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:
Three free live coaching sessions included.
No credit card required to sign up.
Just $9/month after a 1-month free trial.
How it works — in 3 simple steps
From first conversation to ongoing alignment — most couples get started in under 5 minutes.
See where you stand.
Answer a few questions and get a clear picture of your financial health — together or on your own.
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.
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.
What makes Opto different
We're not another budgeting app. We're your proactive financial partner that learns, adapts, and guides you forward.
Truly Personalized
Create financial plans that reflect your unique values and dreams
Proactively Helpful
We reach out before problems happen—get nudges when you need them most
Real Progress
Track your financial growth with clear metrics and milestones
AI-Enhanced Guidance
Regular check-ins with a financial coach + 24/7 access to tailored AI tips and guidance
AI Financial Coach
Available 24/7 for guidance, insights, and support whenever you need it
Create healthier money conversations
Navigate financial discussions with more trust and less stress.
Turn values into a shared plan
Align what matters most and make confident decisions together.
Get clear, personalized next steps
Know exactly what to do next—without second-guessing.
Balance togetherness and independence
Manage shared goals and personal priorities with ease.
+ Live Money Coach Support
When you need human wisdom and deeper guidance
3 FREE SESSIONS