Money is the #1 thing couples fight about. Opto helps you talk about it before it turns into a fight.
Opto is a money coach built for two. Most finance apps are made for one person. Opto is made for a couple.
How It Works
- Tell Opto what's going on: moving in, getting engaged, a new baby, a big decision, or a rough patch.
- Opto builds a step-by-step Journey for where you are.
- Each step is a short, guided conversation. Type or speak your answers.
- Every step ends with a summary you keep and can choose to share.
Start Free
- Take the Money Personality quiz. 13 everyday money moments show how you handle money. Your partner takes it too, then you compare.
- Your first 3 steps are free.
Built for Two
- Invite your partner. One plan covers you both.
- Do a step on your own or sit down together.
- Your answers stay private. Your partner only sees what you choose to share.
Your Money in One Place
- Connect your bank to see balances and spending. It's optional.
- You decide which accounts your partner can see.
Keep Going
- A weekly reminder brings you back to your next step.
- Pick up on your phone or on the web.
Plans
Start free. When you're ready for the rest of your Journey, pick a plan. One plan covers you both.
- Opto Plus: every Journey with AI coaching, without human coaching. Billed monthly or yearly.
- Foundation: a one-time purchase. 6 months, one Journey, and a call with a human Opto coach.
- Momentum: a one-time purchase. 12 months, every Journey, and sessions with a human Opto coach.
- Concierge: a one-time purchase. 12 months, every Journey, the most time with a human coach, and expert referrals.
Opto Plus renews automatically. Payment is charged to your Apple Account when you confirm the purchase. It renews unless you turn off auto-renew at least 24 hours before the current period ends, and your account is charged for the renewal within 24 hours before the period ends. Manage or cancel it in your App Store account settings.
No judgment. Just clarity, together.
Questions or feedback: contact@optofinancial.com
Terms: https://optotogether.com/terms
Privacy: https://optotogether.com/privacy
managing money and being financially literate does not come naturally to me. my wife handles all of our finances and I appreciate it 100%, but i’ve always felt a sense of unease around not knowing what’s going on with our money. not because i don’t trust her, but because i just don’t understand what to do with the money. we also come from quite different family upbringings, so how we see and handle money can differ sometimes. I usually don’t rate things, but opto has been so helpful in terms of building context into both of our relationships with money + how to meet each other where we’re at. it’s basically counseling + money coaching. i feel this app is integral towards understanding money as a couple alongside any banking, investment app etc. with there being so much information out there on do’s and dont’s of money-handling, im thankful there’s a streamlined guide through the appthanks for all the hand-holding Opto!
I didn’t know I needed this
Krishmaca
I’m already understanding my partner better through this app. The conversation prompts go deeper than advice on what to do with your money based on xyz - the prompts help me dig deeper to the emotional and psychological aspects of money, helping me understand our relationship with money in a more holistic way. Huge plus that we can connect our spending accounts and track our goals in an easy and practical way. Highly recommend
Opto makes money convos easier
Dd Ogunn
It can be tough to talk about money in relationships, but this app makes those conversations feel much more low-pressure and intentional. I love how deeply it dives into topics like our childhood experiences with money, helping uncover why we think the way we do and where certain spending habits may come from. I’m excited to continue using this app to have more meaningful financial conversations with my partner as we plan our future together.
A nice, low pressure way to talk money
a dinner of onions
Opto has made it much easier to have meaningful conversations about money with my wife. The AI feels a lot like a facilitator and helps surface insights btwn us without being pushy. It’s helped us better understand each other’s habits, upbringings, and decisions in a way that actually feels like we have an actual coach. Definitely try it out
Opto Plus is here. It gives you both every Journey with AI coaching, billed monthly or yearly. Subscribe from the plans page.
Already bought a plan in the app? Tap Restore purchases on the plans page.
Plus fixes and improvements throughout.
Version 2.0.11
The developer, Opto Financial Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
User Content
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Opto Financial Inc
Size
9 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
