Optima

For tech employees in New York City

The only tool that shows what you hold, after tax.

Built for engineers, PMs and designers who hold RSUs, brokers, crypto and retirement accounts, and want one number for all of it.

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A fanned stack of ledger sheets in blue, green and orange with a grid-ruled sheet on top

Sample · Portfolio value after tax

$972,500

$1,284,600 gross$312,100 tax

Reconciled across three tabs

Every number opens to show its inputs.

Everything you hold, valued together

RSUs, broker accounts, crypto and retirement accounts add up to one Portfolio value after tax.

One engine, three tabs

Assets, Income and Taxes run on one deterministic tax engine, so every headline reconciles with every other.

Colour does the sorting

Blue marks a gross amount, green a net amount or saving, and orange tax or a penalty. Everything else stays neutral.

Open a number. See what built it.

Start at the headline

Portfolio value after tax sits on top, with the gross amount in blue, tax in orange and the after-tax figure in green.

Open any number

Each figure expands to list the inputs behind it: shares, price, cost basis and rate.

Switch tabs

Assets, Income and Taxes draw on the same engine, so the totals match wherever you look.

Explore the full sample →

Sample

Made-up figures

Portfolio value after tax

$972,500

$1,284,600 gross$312,100 tax and penalties

GrossAfter tax
  • Shares
    2,000
    Price
    $206.00
    Market value
    $412,000
    Cost basis
    $352,000
    Gain × 45% short-term rate
    $60,000 × 45%
    Estimated tax
    $27,000
  • Market value
    $356,400
    Cost basis
    $236,400
    Gain × 34.5% long-term rate
    $120,000 × 34.5%
    Estimated tax
    $41,400
  • Market value
    $98,200
    Cost basis
    $58,200
    Gain × 34.5% long-term rate
    $40,000 × 34.5%
    Estimated tax
    $13,800
  • Pre-tax balance
    $418,000
    Tax at 45% rate
    $188,100
    Early-withdrawal penalty, 10%
    $41,800
    Tax and penalty
    $229,900
Total$1,284,600$972,500

Sample for an imagined user. Figures are estimates, and every row opens.

Free while the beta runs.

Beta

Everything on this page, while the product proves itself.

  • Assets, Income and Taxes tabs
  • Every number opens to show its inputs

Free beta

Free while the product proves itself.

Three powder-blue tiles with a circle, a plus and a diamond cut into them, standing for the three tabs

See what it's all worth after tax.

Free beta while the product proves itself.

See the sample