Opultect is a personal finance service designed to help households manage money together while keeping their financial information private from everyone outside the household. It brings accounts, spending, monthly budgets and savings goals into one shared space, so household members can see the same figures and understand where their money stands.

Users can track checking and savings accounts, cards, cash and investments, with balances that update as money moves. Spending can be recorded, categorized or added by importing a statement file. For budgeting, households can set monthly limits by category, check how much remains and copy a previous month’s plan. Savings goals can be created for priorities such as a trip, a deposit or an emergency fund, with progress visible as money is set aside.

Opultect offers a free way to get started, as well as account sign-in for existing users. Its focus is making shared household finances clear and manageable, bringing everyday money tracking and planning together in one calm place.