Opulence Analytics is the personal finance app that runs entirely on your computer — net worth, taxes, portfolio, spending, and cash flow — without sending a single byte to anyone's server.
Every major finance app — Mint, YNAB, Personal Capital — is a cloud database with a nice UI on top. Your salary, your spending, your investments, your account numbers: all on their servers.
That's not a product. That's a data business.
Runs locally in your browser — your data is stored in your browser's local storage, on your machine.
One file. No install. Download opulence.html, double-click, done. Delete it and it's completely gone.
Open to audit — it's a single HTML file you can read yourself. No hidden telemetry, no tracking.
Free forever for all core tools. Pro is optional and only for those who want bank auto-sync.
Everything you'd normally pay for across multiple apps — built in and working together from day one.
See exactly what you have available after bills and obligations. Track monthly spending and project where you'll land at month-end.
Cash FlowAssets, liabilities, investment accounts, and real estate — all in one snapshot that updates automatically as your data changes.
WealthImport CSV exports from any bank or credit card. Auto-categorization, spending charts, and full history — all stored locally.
SpendingReal-time quotes, allocation by asset class, cost basis, and drift analysis — ledgered entirely on your machine.
InvestmentsModel your take-home pay after federal and state taxes. Optimize withholding, simulate bonuses, plan RSU vesting.
PaycheckFederal and CA projections, quarterly estimated taxes, and extension filing (Form 4868) — all without leaving the app.
TaxesTrack real estate equity, vehicle depreciation, and other large assets alongside your liquid net worth.
AssetsMilestone planning, Monte Carlo retirement simulations, and goal progress tracking with contribution modeling.
PlanningMost finance apps are cloud databases with a polished UI on top. Opulence Analytics is the opposite — the math runs in your browser, the data lives on your hard drive, and we only touch anything if you explicitly ask us to.
All calculations run in your browser. Your data is stored in your browser's local storage — on your computer, not ours.
Download and use it without signing up for anything. An account is only needed if you want cross-device sync or bank auto-connect.
Plaid integration is a Pro feature. When you connect a bank, transactions come to you — we only keep the token needed to fetch them.
Opulence Analytics is a single HTML file. Open it in any text editor and read every line. Nothing hidden, no obfuscation.
No installer. No sign-up flow. No tutorial. Just download and open.
Click the button and your browser saves opulence.html to your Downloads folder. That's the entire app.
Open it in Chrome, Safari, Firefox, or Edge. It works offline — no internet needed for any core features.
Import a bank CSV, set your budget, track your net worth. Your data saves automatically. Export anytime to back it up.
See how Opulence Analytics stacks up against the alternatives you're probably using right now.
| Feature | Opulence Analytics | YNAB | Copilot | Spreadsheet |
|---|---|---|---|---|
| Price | Free (Pro $9.99/mo) | $14.99/mo | $13/mo | Free |
| Data stays on your device | ✓ | ✕ | ✕ | ✓ |
| No account required | ✓ | ✕ | ✕ | ✓ |
| Works offline | ✓ | ✕ | ✕ | ✓ |
| Budget & cash flow | ✓ | ✓ | ✓ | Manual |
| Net worth tracking | ✓ | ✕ | ✓ | Manual |
| Investment portfolio | ✓ | ✕ | Basic | Manual |
| Tax planning | ✓ | ✕ | ✕ | Manual |
| Paycheck optimizer | ✓ | ✕ | ✕ | Manual |
| Retirement modeling | ✓ | ✕ | ✕ | Manual |
| Open / auditable | ✓ | ✕ | ✕ | ✓ |
Everything you need to take control of your finances is free, forever. Upgrade to Pro only when you want automatic bank sync.
Download Opulence Analytics in one click. No sign-up, no installation, nothing to configure. Just open the file and start.