Opesway is a financial planning platform that offers tools for net worth calculation, budget management, retirement planning, asset allocation, and debt analysis. It connects with over 12,000 financial institutions to sync accounts, helps plan budgets and track savings, and provides retirement forecast services. It features assets & net worth tracking, custom financial goals, and debt-free strategy optimization. Offers both free and paid plans.
Features
Net Worth Calculator
Offers a tool to calculate your overall net worth by considering all your assets and liabilities.
Budget Management
Provides tools to help you create and manage a budget effectively, importing average spending and tracking monthly savings.
Retirement Planning
Helps you forecast and set up a retirement plan by analyzing potential savings and investment strategies.
Asset Allocation
Optimizes your asset distribution to meet financial goals and manage risks effectively.
Debt Analysis
Assists in analyzing debts and creating strategies for debt elimination.
Financial Forecasting
Provides forecasting tools for future financial scenarios to aid in planning and decision-making.
Account Syncing
Connects with over 12,000 financial institutions to sync bank, loan, investment, and retirement accounts.
AI Chatbot
Offers a personalized AI chatbot for financial inquiries and personalized recommendations.
FREE Planning Calculator
Check life expectancy and distribution of income to attain the goal, estimate monthly amount, and assess allocation.
Saving and Withdrawal
Calculate how much you need to save monthly to reach a goal, and how much you can withdraw when you retire.
Max out 401k or Not
Decide whether to save in pre-tax accounts (401K or IRA) or after-tax accounts (Roth IRA or trading accounts) to optimize benefits.
Bond Calculator
Calculate bond price, yield, duration, and interest rate risks to make informed investment decisions in bonds.
Stock Value Calculator
Calculate the stock fair value, evaluate price sensitivity, and identify overvalued stocks to avoid loss.
Portfolio Risk Assessment
Review full investment risk including equity, interest rate, credit risk, and holding period to manage portfolio effectively.
Investment with Margin Loan
Analyze margin investment risks and returns. Understand considerations before using margin loans.
Investment Fee Calculator
Calculate and compare financial advisor fees and how they impact investment returns and retirement yield.
Mortgage Finance
Calculate mortgage payments across different loan features to decide between buying or renting and assess affordability.
Mortgage Refinance
Estimate refinance benefits for lower loan rates and calculate embedded cash-out values.
Sell the House or Keep It
Evaluate costs and benefits of selling the house versus paying rent or keeping the house to save on rent.
Automobile Finance
Calculate auto loan payments, compare purchase against leasing, and evaluate total ownership costs.
Buy EV or Gas Car
Compare electric vehicles versus gas cars considering cost, benefits, fuel, incentives, and depreciation.
Loan Calculators
Calculate payments for personal, student, or business loans, and analyze refinance benefits.
Avalanche vs. Snowball
Evaluate savings of debt-payoff options; identify which method is best and if extra payments are beneficial.
Credit Cards Optimization
Provide customized credit card selection based on spending patterns for maximum benefits.
Save More with Gift Card
Maximize rewards and savings on spending by using gift cards effectively.
Project Finance
Evaluate the finances for projects like college or startups to determine necessary financial resources.
Cost of Raising a Child
Calculate total costs of raising a child considering inflation and growth, covering various expenses.
Travel Planning & Budget
Make efficient travel budget templates for detailed itinerary planning to manage and track expenses.
Salary Stopwatch
Calculate hourly pay by factoring in PTO, holidays, and daily working hours for accurate salary assessment.
Early Retirement Calculator
Helps determine if you can be financially independent and retire early by calculating your financial independence ratio (FIRE) and longevity estimations.
Life Expectancy Estimation
Uses variables like age, sex, and health profile to estimate life expectancy, allowing users to plan their retirement more accurately.
Health Profile Configuration
Allows users to input various health parameters such as fitness level, medical conditions, and lifestyle habits, which influence the longevity estimation.
Financial Independence Ratio (FIRE) Forecast
Provides a forecast of financial independence by calculating your savings, spending, and investment growth over time.
Interpreting Projections
Visualizes retirement savings projections and probability of sufficient savings, helping users assess their financial readiness for early retirement.