Build the life you want
without breaking the bank.

Opto is your no-judgment digital financial coach, helping you prioritize your goals and smoothly navigate unexpected expenses when they inevitably come up.

Take our free goal assessment to learn how to best reach your financial goals.

Combining psychology & technology to help you build sustainable, healthy financial habits.

  • Cut back on spending that doesn’t add real value to your life

  • Quickly save up for more meaningful experiences & purchases

  • See how big and small decisions add up over time

  • Feel empowered to stay on track through the ups & downs

See what our users are saying:

  • “The most personalizable and effective system to track my budget I have used so far. Not only is it easy but I can get exactly the data I want without having to manually nitpick and adjust payments or to the correct allocation. Plus, the reflective questions help me improve and, even correct, my spending habits.”

    Jake B.

  • “Opto has helped me keep up with my financial tracking by helping me set a goal and watch my daily spending. The daily updates and weekly reviews allow me to visualize my spending through graphics. I would recommend Opto to others looking to set a goal and take better control of their spending.”

    Jake P.

  • “Opto Financial has taken me, a young man who spent most of his life financially illiterate, and transformed me into a wise and conscientious spender. I now have legitimate financial goals and the means and motivations to attain them.”

    Tyler H.

Money is more than just a numbers game.

Whether you keep slipping over your budget, or you’re so focused on saving that you’re not allowing yourself to have a little fun, you’ve probably realized that managing your personal finances involves more than just a spreadsheet. There is often an emotional element to spending, and it can take a while to figure out what works best for you.

Building a financially secure lifestyle (while still enjoying your life) takes learning healthy habits to manage your money in a way that both fits your needs today and helps you prepare for your future.

Opto is here to help.