Opulence Analytics

Short version

Opulence Analytics is a web app that combines budgeting and cash-flow tracking with net worth, portfolio, tax and retirement planning tools. CSV import of bank and card data is free; paid plans add Plaid bank connections, cloud sync and shared budgets for couples or households. It projects month-end cash from recurring patterns detected in transactions.

Research-based profile, not hands-on testing. Refreshed on 2026-10-10 from the vendor's homepage, changelog, privacy policy and terms. I did not sign up, start a trial or connect a bank.

Origin and pace

The changelog dates the first release (v1.0.0) to May 2026 and now lists 26 releases through v2.1.9 on October 1, 2026. That update rebuilt recurring detection to include credit-card charges, reduce false bills from transfers and shopping, improve due dates, and add a next-30-days list. Recent release notes show active maintenance, but the product still has a short track record.

How it works

• Flex Budget (Pro): starts from your real balances, subtracts credit-card debt, adds detected or declared income and bills, and projects where you land at month-end.
• Recurring detection: patterns in income and bills are inferred from transactions, ranked by confidence, and can be confirmed or rejected. The October update says it now reads card activity too and displays expected items over the next 30 days.
• Debt and cards: a debt payoff tool and a credit-card table (balance, limit, utilization, due day) are listed. Release 2.1.0 added entering a real partial payment instead of zeroing the balance.
• Wider suite: net worth, portfolio import, Monte Carlo retirement runs, federal and California tax estimates and a W-4 optimizer. The tax tools are US-centered.
• Currencies: 40 display currencies; the changelog says stored numbers do not change, so I read this as formatting, not conversion.

Cost

• Free $0; Pro $4/mo (1 person); Couple $5/mo (2 people); Household $6/mo (up to 6 people)
• An annual option ('2 months free') exists, but annual prices were not visible in the text I could fetch
• Trial: 14-day free trial of paid plans; no card for Free

Privacy and access

The privacy policy (June 24, 2026) says data is not sold, no ads, no third-party analytics, and bank access through Plaid is read-only. Data lives in browser storage and in a private account on US-hosted servers, encrypted in transit; the policy does not state encryption at rest. Sign in with Google is available. You can delete your account in the app or by email. No named independent audit or standard was found.

Who it suits

People who want one browser dashboard for cash flow, net worth, taxes and retirement, and who are fine with a forecast-style budget rather than envelopes. Those who want per-category envelopes, a store app, or a long track record will find less here.

Not confirmed

Annual plan prices; envelope or zero-based budgeting; per-category budget targets; reconciliation; bill reminders beyond recurring detection; who runs the company; independent user reviews; whether the Free tier allows manual entry only or import only.

Notes

The vendor's homepage includes a comparison table naming other apps and says the math runs in the browser; data is also synced to its servers.

Ratings are set separately against a shared rubric (62 of 100 points as of 2026-10-06).