Stop fighting about money. Start building together.
AI-enhanced financial coaching that helps couples reduce conflict, align on priorities, and take action on what matters most — without the spreadsheets or the therapist bills.
Dashboard Studio
Self-Guided
AI-powered insights that learn from you and alert you before small issues become big problems.
- Real-time tracking & analysis
- Personalized recommendations
- Proactive spending alerts
- Goal forecasting & progress
- Add coaching anytime
No credit card • Cancel anytime
1-on-1 Coaching
Most Personal
Get a dedicated financial coach who knows your story, your goals, and exactly when to reach out.
- All Dashboard Studio features
- Unlimited messaging with your coach
- Weekly strategy sessions
- Custom financial roadmap
- Proactive check-ins & alerts
No credit card • Cancel anytime
Couples Coaching
Build Together
Navigate finances as a team with a coach who understands your unique partnership dynamic.
- All Dashboard Studio features
- Joint strategy sessions
- Shared goals & milestones
- Communication tools & frameworks
- Individual accountability tracking
No credit card • Cancel anytime
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
Hyper-Personalized Onboarding
Every couple's journey starts with understanding your unique story, goals, and challenges
The Virtuous Cycle
Emotional growth and financial progress reinforce each other, building stronger foundations
Expert Network
Connect to specialized professionals when you need them, with Opto as your central hub
AI Coaching
Navigate emotional & relational aspects of money
Financial Planning
Build & track your financial goals together
Stronger Bond
Grow trust & alignment in your relationship
Financial Progress
See real results & celebrate wins together