How Opto works — in 3 simple steps

Answer a few questions and get a clear picture of your financial health. Opto asks the right questions, creates charts on the fly, and gives you a personalized snapshot — no spreadsheets required.

Connect your accounts to see the full picture in one place. Shared expenses are tracked and split automatically. You choose what to share — each partner keeps full control over their own privacy.

Your AI coach knows both sides of the picture. Get proactive nudges, guided conversations for tough topics, and a shared plan that actually sticks. And when you need a human — 3 live coaching sessions are included free.