Subscription budgeting app that pulls accounts, spending, net worth and forecasts into one dashboard.
- Expense tracking
- Financial management
- Forecasting
Opulence Analytics
Browser-based finance dashboard with budgeting, cash flow, net worth and tax planning
Research-based review, not hands-on testing. Last researched .
Overview
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.
Best for: People who want budgeting alongside net worth, tax and retirement planning in a single browser app
Pros and cons
Pros
- Free tier includes CSV import, budget planner, net worth, portfolio and tax planning tools
- Paid plans are cheap and scale with the number of people sharing a budget (up to 6)
- Cash-flow view projects month-end available cash after credit-card balances
- Portfolio tracking and retirement/tax modeling in the same app
- Privacy policy states no data sale, no ads and no third-party analytics trackers
Cons
- Web only; no mobile or desktop app in stores
- Bank sync (Plaid), cloud sync and multiple budgets need a paid plan
- Data is stored on the vendor's servers as well as in the browser, not local-only
- No envelope or zero-based method confirmed; budgeting is a smaller part of a wider planning suite
- New product with no independent reviews or store ratings found
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync included
- Manual transaction entry included
- Goal tracking included
- Debt payoff tools not confirmed not confirmed
- Investment tracking included
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets included
- Separate logins for shared budgets not confirmed not confirmed
Budget planner, expense tracker, flex budget projection, recurring pattern detection, net worth, portfolio, tax and retirement planning, paycheck/W-4 optimizer, CSV export
Our review
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.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
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 fetched text
- Trial: 14-day free trial of paid plans (no card for Free tier)
Not confirmed
Founding year; Annual plan prices; Debt payoff, bill reminders, envelope budgeting, multi-currency; Developer team; Last release date; Whether a free tier permits manual entry only or import only.
Notes
Marketing page includes a comparison table naming other apps.
Ratings are set separately against a shared rubric.
Opulence Analytics alternatives
Private, open-source budgeting in the browser with end-to-end encryption
- Zero-based
- Expense tracking
- Couples & families
Free web-based zero-based budgeting for manual entry, installable on phones
- Zero-based
- Expense tracking
- Forecasting