Net worth and cash-flow dashboard
Aggregate assets, debts and emergency funds, and see monthly and yearly income, expense and savings trends in clean visuals.
Retirement and FIRE forecasting
Set a retirement age, model asset allocation and debt payoff, and get long-term wealth and readiness projections.
Integrated lifetime budgeting
One auto-updating budget template plus spending analysis so you stop rebuilding the same spreadsheet each month.
Decision calculators
Mortgage, refinance, buy-vs-rent, auto loan, debt avalanche vs snowball and other major money decisions in one place.
AI chatbot and Opes 15
Ask planning questions of a ChatGPT-powered assistant and review a curated list of 15 higher-potential stocks.
Opesway is a DIY personal-finance platform for people who want a single place to plan budgets, track net worth and project retirement. It aggregates assets, debts and emergency funds to give an accurate snapshot of your financial position, then layers planning tools on top: a lifetime budget template that updates automatically, spending analysis, cash-flow forecasting, asset-allocation modelling and debt-payoff strategy comparisons such as avalanche versus snowball.
Retirement is a core theme. The platform provides a FIRE calculator, saving-and-withdrawal planning, guidance on contribution levels (for example, whether to increase 401k contributions), life-expectancy estimates and long-term wealth projections. A secondary library of decision calculators covers major financial choices — mortgages and refinancing, buy-versus-rent, auto loans and leasing, loan refinancing, and even the cost of raising a child or budgeting a dream project. Optional account linking through Plaid connects 12,000+ institutions so balances, holdings and transactions refresh daily, and historical bank data can auto-fill your budget to save setup time.
Opesway adds an analysis layer via its Opes 15 stock list and an AI chatbot powered by the modern ChatGPT model for question-and-answer guidance. It is operated by Opesway Inc. in Seattle, Washington. Pricing is transparent on the site: a free tier covers core tracking and budgeting, and Opesway Plus starts with a 7-day free trial then $6.99 per month, with no credit card required to sign up. Note that it is a planning and education tool, not a licensed investment adviser, so treat projections as estimates.
