Analyses
Diversification, liquidity and debt, read from your own records.
Diversification, income, liquidity and debt, with the rule beside each reading.
Features
One register
Property, funds, companies, art, vehicles, bank accounts and debt in one place.
Your share of each
Every holding keeps its own currency and is shown at the share you own.
Sources you can check
Open a figure to see how it was made and where it came from.
How it works
- 01
Diversification
Your holdings by class, by country and by currency, from the same register as the dashboard.
- 02
Passive income
What your records say comes in, by source, with the dated payments behind it.
- 03
Liquidity and debt
A liquidity score and a debt score from the assets and loans you recorded, with the rule that produced each one written beside it.
- 04
Read the source
Each headline figure says whether it is calculated, live, from a document or typed by you, and points to the page that shows its inputs.
What it does not do yet
- 01
Scores are rules, not forecasts.
A score applies a stated rule to your records. It says nothing about what will happen.
- 02
Only as good as the records.
A missing value or an old valuation changes a reading. The screen names what is missing instead of guessing.
- 03
No instruction to buy or sell.
Opes does not tell you what to buy, sell or hold. Nothing here is investment, tax or legal advice.
Verifiable
What is in place, stated plainly.
- 01Signing in with a password needs a second step: an authenticator app or a passkey.
- 02Each person's records are separated from everyone else's at database level.
- 03Shares, advisors and the AI connector are read-only.
- 04Each headline figure says where it comes from: calculated, a price feed, a document, or typed by you.
- 05No independent audit yet. See what is and is not in place.
A common question
Does it connect to my bank?
Not yet. You upload statements or type figures, and confirm a preview.
Who can see my data?
You, and only the people you share with, read-only. Opes is not end-to-end encrypted, so Opes can read stored data to total it and read statements. Opes does not sell your data.
Is there a free plan?
Yes. Free covers accounts, holdings, property and goals, with no card. Paid levels open later.