Scattered accounts
Bank accounts, cards, savings, and debts can sit across separate apps, statements, and logins.
Understand your financesMake healthier financial decisions.
OPHIR brings your personal and family finances into one clear view, helping you understand where you are and what to improve next.
Money gets harder to read as life grows
Accounts, subscriptions, shared expenses, and long-term plans often live in different places. That makes everyday decisions feel heavier than they should.
Spending without a clear picture
Small purchases, recurring bills, and irregular costs make it hard to see where money actually goes.
Family finances are hard to coordinate
Shared responsibilities, different habits, and uneven visibility can turn simple choices into long conversations.
Goals without a practical plan
Saving, paying down debt, and preparing for the future are difficult when the next step is not obvious.
One platform
One place for your financial life
Bring together your accounts, budgets, goals and family finances in one clear workspace. OPHIR helps you understand where your money is today and plan where it should go tomorrow.
- All accounts in one place
- Budgets that work together
- Shared family finances
- Financial goals with real progress
Financial workspace
Total balance
Total balance
$84,260
+12% this month
Budgets
8 active
Family view
4 members
Goal progress
68%
Emergency fund
82%
Home deposit
64%
Debt payoff
48%
Everything connected
Everything you need to manage your money
From tracking daily spending to planning long-term goals, OPHIR brings every part of your financial life together.
Accounts
Connect your financial accounts or add them manually. See all balances in one place.
Connected balances
Checking
$12,430
Savings
$38,900
Credit
-$1,240
Transactions
Import, review and organize your income and spending without losing the full picture.
Recent activity
Salary
+$4,800
Groceries
-$164
Utilities
-$92
Budgets
Plan how your money should be distributed and understand what remains available.
Monthly plan
Essentials
72%
Savings
48%
Flexible
35%
Categories
See exactly where your money goes with a clear and consistent category system.
Spending mix
Housing
34%
Food
18%
Transport
12%
Health
9%
Goals
Create financial goals, track progress and understand what is required to reach them.
Home deposit
Saved
64%
Next milestone
$5,000
Family Finance
Manage personal and shared finances together while keeping responsibilities clear.
Shared space
Alex
Owner
Maya
Shared
Kids
Goals
Financial Assistant
Receive explanations, insights and practical recommendations based on your financial situation.
Insight
Your subscriptions rose 14% this month. Review recurring charges before setting next month's budget.
Reports
Understand your cash flow, spending patterns and financial progress through clear summaries.
Cash flow summary
Income
$8,400
Spending
$5,920
Net
$2,480
Built for households
Manage money together without losing personal control
OPHIR helps couples and families coordinate shared expenses, responsibilities and goals while keeping personal finances clear.
Personal and shared spaces
Keep personal accounts private while managing household finances in one shared space.
Clear responsibilities
See who is responsible for each recurring expense, obligation or contribution.
Shared household budget
Plan rent, groceries, bills, childcare and other family expenses together.
Shared goals
Track progress toward family goals such as an emergency fund, vacation or home purchase.
Household
The Martin Family
PersonalShared
Monthly household budget
$6,800
Members
AAlex
SSophie
EEmma
Shared categories
Housing
$2,800
Groceries
$980
Transport
$640
Childcare
$720
Contributions
Alex
55%
Sophie
45%
Shared goal
Family emergency fund
$8,400 of $12,000
Financial assistant
Understand what changed and what to do next
OPHIR turns financial data into clear explanations, practical priorities and realistic projections before you make a decision.
Explains the why
See the main reasons behind the current financial picture.
Current financial status
Stable, with pressure building
DiagnosisPriorityExpected impact
Diagnosis
Cash flow is positive, but recurring costs are rising faster than flexible income.
Main factors
Subscriptions
+14%
Groceries
+8%
Savings rate
12%
Trends
Positive
Emergency savings stayed on track this month.
Needs attention
Recurring charges are reducing monthly flexibility.
Next priority
Review recurring expenses before increasing the household budget.
Expected impact
Reducing two unused charges could free up about $95 per month.
Highlights what matters first
Focus attention on the issue most likely to improve the next decision.
Shows possible outcomes
Compare the likely effect of changes before acting on them.
Data control
Stay in control of your financial connections
OPHIR is designed to help you analyze financial information while keeping access, permissions and personal boundaries clear.
You control connected sources
Choose which financial sources are connected or added manually.
Access can be removed
Connections and permissions should remain visible and easy to review.
Analysis, not money movement
OPHIR uses financial data to explain and analyze, not to move money on your behalf.
Personal and household contexts stay clear
Personal and shared views stay separated where that distinction matters.
Connection controls
Protection status
Active review
Connected sources
Checking account
Balances and recent activity
Savings account
Balances and goals
Household workspace
Budget categories only
Permissions
Account data
Read-only
Family context
Limited
Transactions
Review only
Data scope
Only the selected financial context is used for analysis in this workspace.
Review or revoke access
User control
Connections and financial contexts are presented as choices you can review.
Limited access
The product focuses on analysis and visibility, not initiating transactions.
Clear permissions
Data use is described in plain language so boundaries are easier to understand.
Simple plans
Choose the right starting point
OPHIR will offer clear options for personal and household finance, with final pricing shared before public launch.
Personal
For one person
Free to start
A focused way to understand personal accounts, budgets and goals.
- Personal accounts and budget
- Clear financial picture
- Basic analytical insights
- Personal goals
Family
RecommendedMost suitable for households
Early access
A shared workspace for coordinating household money while keeping personal context clear.
- Everything in Personal
- Shared household workspace
- Multiple household members
- Shared budgets and goals
- Family analytics
- Personal and shared contexts
Advisor
For deeper planning needs
Pricing to be announced
A future level for deeper analysis, expanded forecasting and planning scenarios.
- Deeper financial analytics
- Expanded forecasts
- Additional planning scenarios
- Priority access to new capabilities
Plans, availability and commercial terms may change before public launch.
Questions
Before you join OPHIR
Clear answers about what OPHIR is, what it is not, and how it is designed to support personal and household finances.
What is OPHIR?
OPHIR is a financial workspace for personal and family budgeting, analysis and planning.
Is OPHIR a bank?
No. OPHIR is not presented as a bank and does not claim to provide banking services.
Can OPHIR move or spend my money?
No. OPHIR is designed for analysis, planning and decision support, not for making transactions on your behalf.
How does family finance work?
A shared space can bring together household budgets, goals and a family financial picture.
Can personal and shared finances remain separate?
Yes. OPHIR is designed around separate personal and shared contexts where that distinction matters.
Does OPHIR replace a financial advisor?
No. The assistant can help analyze information and show options, but it is not a guaranteed replacement for professional financial advice.
Which languages are supported?
The website currently supports English, Français and Русский.
When will OPHIR be available?
OPHIR is in development. Early access and public availability will be shared without committing to a fixed launch date yet.
Early access
Build a clearer picture of your money
Move from scattered accounts, budgets and household decisions to one calmer view of your financial life.
Early access is coming soon. No account setup is available on this site yet.
Personal and family finance
Clear analysis
User control