An analyst for your own money
The rich have people for their money.
Now you do too.
Someone who knows everything you own, runs the numbers before you decide, and never forgets between conversations. Opula is that person. Sign in and ask.
Start your 14 days right now, no card required.
- US 10Y
- 4.69%
- Breakeven inflation
- 2.25%
- Real yield
- 2.44%
2.44% real, risk-free. Equities have to clear that before they are worth the risk.
categories you can record
Korean gold, jeonse deposits and unlisted equity included
runs per FIRE projection
a fresh Monte Carlo every time you ask
bank accounts linked
no credentials handed over, so none to breach
Why not just a chatbot
Same question, a very different answer
A 30-something whose portfolio leans on Tesla. A generic AI gives platitudes; Opula answers with the real numbers.
A shaky day
Should I sell Tesla right now?
A generic AI
Investment decisions depend on your situation and goals. Diversification and a long-term view matter, and you should weigh your own risk tolerance.
opula
I won't tell you to buy or sell. Here's the fact, though: Tesla is 41% of your investments, so a 10% drop swings your investments by over 4%. What you're really anxious about isn't the market, it's this concentration.
Numbers are everywhere. Judgment isn't.
"Am I actually okay?" Ask the question you've been sitting on. Opula doesn't just throw numbers at you, it tells you what they mean for you, and what to watch out for.
The trajectory looks good. Net worth has climbed all year and your savings rate is 41%, the highest in six months. With one exception.
$426,691
↑ +$132,423 (1yr)
41%
Net worth trend, 12 months
US stocks are 62% of everything. The issue isn't the weight, it's that when this swings, your net worth swings with it. Your cushion, bonds and cash, is just 8%.
What happens on one screen
You ask, it runs the numbers, it answers
All three happen in the same place. No tabs to move between and no report to wait for, just the conversation you asked in.
You ask
In the words you would already use. There is no account picker and no date range to set, because it already knows everything you own.
It runs the numbers
A thousand runs against your savings pace and your assumptions. Not an eyeball estimate, the same rule-based math every time.
It answers
Not just one probability. What it means for you, and the single lever that moves that probability the most.
Can I retire at 52?
68%
Retiring at 52 works, but without much room. The bottom quartile of paths takes three more years.
age 49 – 57
Save $300 more a month → 81%
Your odds, run thousands of times
See the odds, not just the balance
A real result from a sample of assets. This is the shape of the answer Opula hands back, right inside your chat.
180 of them just ran while this page opened. Drag across the axis for any year.
Bear
6%
4% return, 24% vol
Base
13%
8% return, 24% vol
Bull
30%
12% return, 28% vol
Odds of $3M by 2035, honestly. The base case is 13%, and the biggest lever is not a hotter stock, it is your savings rate. Ask a follow-up and watch it move.
What you can ask
Four questions, one record underneath
Every tab reads the same record you built. Different math each time, but the numbers come from one place.
What you hold, and whether it is risky
- NVDA31.2%
- MSFT18.4%
- Jeonse deposit22.7%
- KRX gold14.1%
- Cash13.6%
Your top holding is 31%. Effectively 45% rides on one sector.
The first rule of money people:
know everything
Opula holds your whole financial picture in one place: the Korean gold, the jeonse deposit, the unlisted stake that bank feeds and generic chatbots both miss. It remembers every asset across conversations, so you never re-explain yourself, and it reasons over them the same way every time. The record only grows more complete the longer you keep it.
Korean physical gold
KRX bars no bank feed prices
Jeonse deposit
a six-figure lease deposit, counted as the asset it is
Unlisted equity
the private stake aggregators skip
Set each one's value in about ten seconds. Opula tracks it alongside your stocks, in your own currency, and folds it into every projection.
What no linking buys
No credentials handed over means none to breach
Opula never connects a bank or brokerage account. No Plaid, no scraping. A password we never hold is a password that cannot leak from us.
What it cannot do
- Cannot buy or sell a security
- Cannot move money
- Never stores a bank login
- Never sells or shares your data
What it does
- Records and computes what you tell it
- Proposes every change as a draft you approve before it commits
- Reads only inside your own account
- Deletes everything, whenever you say so
Month-end settle-up
Settle up this month. How much did my net worth grow, and why?
A generic AI
To summarize this month I would need your transaction history and income and spending records. Share them and I can help.
opula
Your June net worth rose +$8,200 to $312,000. Of that, +$5,000 came from your own saving and +$3,200 from the market rising. This month your own effort was the bigger driver.
Before a big decision
If this FOMC is hawkish, how much does my account drop?
A generic AI
A hawkish FOMC can generally weigh on risk assets. But the real impact depends on your portfolio, so an exact figure is hard to give.
opula
I won't guess the odds. But "if it happens," it's about -$2,700 on your investments (Tesla drops the most). Your normal daily swing is ±$900, so that's roughly three times a typical day.
That age isn't a guess
FIRE stops being a vibe and becomes a probability. Your savings pace, your assumptions, run 1,000+ times. You get the odds you hit your number, and the one lever that moves them soonest.
Why not just ask a chatbot directly?
You can, and it will eyeball an answer from whatever you pasted, then forget it by the next chat. That is not how money people work. Opula holds your real numbers, remembers them across conversations, and runs the same rule-based math every time. Same question, same rigor.
Once you have one, you ask different questions
“What if the Fed turns hawkish? What if your biggest position misses earnings?” Ask the questions you’d put to a private banker, and get a dollar answer sized to your real volatility, before the day, not after.
Pricing
Everything else is the same. Only how often you ask changes.
No analysis is locked. Briefs, insight reports, risk, valuation and FIRE projections all run on the free plan.
Free
3
questions a day
On free, 3 is one brief plus a single follow-up.
- Every analysis included: market & wealth briefs, insight reports, risk, valuation, FIRE projection
- Recording, editing and deleting never count against it
- Holdings, concentration and other drill-downs never count either
Pro
Recommended100
questions a day
For the days you ask in bursts: earnings, a sharp drop, a rebalance.
- The same analysis as free. What you buy is more of it
- Counted across the connector and the app together
- 14-day free trial, no card
14 days free, no card. Pay after the trial, cancel anytime.
Neither plan connects a bank or brokerage account. There are no credentials to hand over, so there is nothing here to breach.
Frequently asked questions
What is Opula?+
Opula is an analyst that only looks at your money. Sign in and ask about your net worth, portfolio risk, or when you'll reach financial independence, and it answers with your real numbers. You can also connect it to the Claude or ChatGPT you already use and ask from there.
Does Opula connect to my bank?+
No. Opula never links a bank or brokerage account and doesn't use Plaid. You record holdings and cash flows in plain language ('bought 10 shares of Tesla'), so nothing depends on account credentials or a data aggregator. That's also how it tracks assets no bank feed can see.
Is my financial data private and safe?+
Your data is stored on its own, separate from every other user. Opula never links a bank or brokerage account, so you hand over no passwords. You can delete everything at any time. To answer a question, Opula sends only what that question needs to a model. Inside Opula that is the model we run. Through a Claude or ChatGPT connection it is the one you already use.
What can Opula actually do with my money?+
It reads and records, nothing more. Opula cannot place a trade or move money, because there is no brokerage or bank connection to do it through. Writes (adding, editing, deleting an entry) run only when you ask for them in the conversation, and your AI asks your permission before it runs an Opula tool at all. Reads are scoped to your own account.
How much does Opula cost? Is there a free trial?+
No analysis is locked. Market briefs, risk, recommendations and FIRE projections all run on the free plan. The only difference is how many questions a day you get: 3 on free, 100 on Pro, which is $9.99/month or $99/year. Recording, editing and drill-downs never count against either plan. Every new account starts on a 14-day Pro trial automatically, with no card required.
Why not just ask ChatGPT or Claude directly?+
You can. But a plain chatbot only sees what you paste. It guesses at an answer, forgets it by the next chat, and sometimes makes a number up. Opula holds your real figures. It runs the same fixed math on them every time, so the wording may change but the numbers under it never do.
Can I use it inside the Claude or ChatGPT I already have?+
Yes. Opula is also a standard MCP connector, so it works inside Claude and ChatGPT (and any MCP-capable client). Connecting just lets you ask the same data from there, so wherever you ask, the numbers are the same ones.
Can it track crypto, real estate, or non-US assets?+
Yes. That includes what bank feeds and other trackers miss: Korean physical gold, jeonse deposits, unlisted equity, crypto, and holdings in any currency. You type each value in a few seconds. Opula then tracks it next to your stocks and counts it in every projection.
Do I need to be a developer?+
No. Setup is signing in with Google. No API keys, no code, no configuration. Then you just talk to it.
Also inside the AI you already use
Ask right here in Opula, or connect it to Claude or ChatGPT and ask the same questions there.
See how to connect
Opula opens with its name and URL already filled in. Confirm, sign in with Google once, and your account is created on the spot. Claude showing an "added from an external link" check is normal.
If the button doesn't open, do it manually
- 1
Open “Add custom connector” in Claude settings
In claude.ai in a browser (phone works too) or the desktop app, go to Settings → Connectors → “Add custom connector”.
- 2
Paste this address
Paste the address below into the connector URL field and add it.
- 3
Sign in with Google and go
A sign-in screen appears once. Approve it and you can ask Opula right inside Claude.
Connecting is one button. No URLs to paste, no API keys to set up. It works from a phone too, and you can finish later on a PC with the same Google account.
Start your 14 days right now, no card required.