Build your relationship on a strong shared financial foundation.

What if talking about money actually felt good? Opto is your AI financial coach that turns money into a source of alignment.

Get a shared plan, proactive guidance, and real money coaching, built around your relationship.

Try out a free 3-minute conversation now:

Start aligning together See how Opto works →

Three free live coaching sessions included.
No credit card required to sign up.
Just $9/month after a 1-month free trial.

Any of these sound familiar?

You're not alone — and it's not because you're bad with money.

We avoid talking about money because it always turns into a fight.

You love each other. You agree on most things. But somehow, money is the one topic that turns a normal evening into a tense silence — or worse.

💬 The conversation problem
We have separate accounts and no idea if we're actually on track.

Splitting bills works fine day-to-day. But neither of you can answer the big questions — are we saving enough? Can we afford that house? Are we behind?

📊 The visibility problem
We've tried apps, but they don't understand our relationship.

Budgeting tools treat you like a single person with a spreadsheet. They don't know that you split rent 60/40, or that your partner's student loans keep you up at night.

🤝 The partnership problem

These aren't spreadsheet problems — they're relationship problems. And they deserve a tool that treats them that way.

What changes when you use Opto

It's not just about numbers. It's about how money feels in your relationship.

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Avoiding money conversations because they always get tense
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Bringing up money naturally — with guided topics that keep it productive
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Guessing whether you're on track or falling behind
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Knowing exactly where you stand — together — with a shared dashboard
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Splitting bills over Venmo and hoping it all works out
✓
A shared plan where spending, saving, and goals are aligned automatically
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Only thinking about money when something goes wrong
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Proactive nudges and coaching that keep you ahead of problems — not reacting to them
👤

And when you need a human — we're here too.

Every Opto account includes live sessions with a certified money coach who understands couples.

3 FREE SESSIONS

How it works — in 3 simple steps

From first conversation to ongoing alignment — most couples get started in under 5 minutes.

STEP 01

See where you stand.

Answer a few questions and get a clear picture of your financial health — together or on your own.

Quick chat-based assessment Personalized to your situation as a couple No account connection needed to start
STEP 02

Build a shared view.

Connect your accounts to see the full picture in one place. You choose what to share — each partner keeps full control over their own privacy.

Bank-level security via Plaid Granular privacy controls for each partner Spending, budgets, goals & net worth together
STEP 03

Get coached — together.

Your AI coach knows both sides of the picture. Get proactive nudges, guided conversations for tough topics, and a shared plan that actually sticks.

24/7 AI coaching with guided conversation topics Alerts when you're off track, with tips to fix it 3 free live human coaching sessions included
Start aligning together Try free live money coaching →