Options income meets FIRE planning

The options dashboard
your broker refuses to build.

Log a covered call. See your FIRE date move.

OMM connects your options book to your retirement timeline — tracking real return on capital, flagging positions by expected move, and calculating exactly how your premium income reduces your withdrawal rate.

Start free — no card neededSee how it works

14-day free trial · $11/mo after · Have a code? Enter it at signup

Portfolio
$482,150
Total across 6 accounts
Income
$2,840/mo
Dividends + options premium
FIRE Date
2031
5.2 years at current pace

Your $2,840/mo active income just shaved 14 months off your retirement date.

Your options book, diagnosed

Every position, risk-ranked in real time.

Triage sorts your open contracts into Urgent, Watch, and Healthy based on delta, expected move, and DTE. Each card shows an AI-generated insight — “MSTR can reach your strike in 7 days” — so you know what needs attention before you open your broker.

Position Triage view showing Urgent, Watch, and Healthy option positions with AI insights
THE ONE NUMBER THAT CHANGES EVERYTHING

“Options income of $10,564/yr reduces your effective SWR from 6.9% to 6.2%.”

Every covered call you log. Every CSP that expires worthless. Every dividend that reinvests. They all reduce what you need to withdraw from your portfolio — and that moves your retirement date.

No other tool calculates this, because no other tool holds all three pillars: portfolio, income, and FIRE planning.

FIRE Connection card showing options income reducing SWR from 6.9% to 6.2% with 20-month FIRE date impact
Roll Scout

Three rolls. Priced. Ready.

When a position needs attention, Roll Scout scans the options chain and presents three choices: Same Strike (maximize credit), Improve Strike (reduce risk), or Reset Delta (match your target). Each shows net credit, new breakeven, and probability of profit. For analysis only — execute with your broker, log the result here.

Roll Scout panel showing three roll options with net credit and breakeven for an NVDA covered call
Your entire book

Premium collected is a vanity metric.

The positions table shows what actually matters: spot vs strike distance, unrealized P&L with theta decay bars, and live Greeks. ROCAR — Return on Capital at Risk — shows what you actually earned relative to what you risked. Not what you collected. What you earned.

Options positions table showing MSTR, PLTR, TSLA with spot price, P&L decay bars, and Greeks
Not just options

Everything that moves your FIRE date.

Options is the wedge. The rest of your financial life fits here too. When your dividends, portfolio, and options income all feed the same FIRE calculation, you stop guessing and start measuring.

Portfolio
Multi-account tracking. Cost basis, XIRR, benchmark comparison. Every holding connected to your FIRE number.
Dividends
Income tracked against your monthly goal. Safety ratings flag at-risk dividends before they cut. DRIP counts every reinvested share.
Options
Covered calls and CSPs tracked as income. Position triage. Roll Scout. Premium that counts toward your FIRE date.
Bitcoin
BTC tracked alongside equities. Native sats display. DCA tracking. Coming soon.
FIRE
CAPE-adjusted SWR. 6 strategies. Monte Carlo. Income reduces your withdrawal rate — worth months off your date.
AI Coach
Sees all pillars. “Your MSTR CC is 89% captured with 3 DTE — close now and redeploy collateral.”
Who this is for

Built for wealth builders,
not day traders.

Options sellers
You sell covered calls and CSPs for monthly income. You track premium in a spreadsheet. You've rolled a position and had no idea if the net credit was worth it. Triage + Roll Scout replaces that spreadsheet — and connects your premium to your FIRE date.
Dividend investors
You're building a dividend portfolio toward a monthly income goal. You want to know if SCHD's payout is safe, when your next ex-date is, and whether your DRIP shares are compounding on schedule. Safety ratings + income tracking replaces Seeking Alpha + a spreadsheet.
FIRE chasers
You have a target date and a target number. You want to know if you're on track — not once a year in a spreadsheet, but every time you log a trade. The FIRE Bridge recalculates your date live, factoring in every income source you've logged.
Common questions

Frequently asked

What makes OMM different from Personal Capital or Empower?
Those tools aggregate your net worth. OMM plans your financial independence — every number connects to your FIRE date and monthly income goal. It natively supports options premium income and dividend safety tracking, which those tools don't handle.
How is this different from a standard options screener or tracker?
Most options tools analyze positions in isolation — P&L, Greeks, maybe a screener. OMM treats premium income as retirement income. When you log a covered call, your FIRE date recalculates. Triage sorts your book by risk (not just P&L), and Roll Scout gives you three priced roll alternatives. The FIRE Bridge is the differentiator: no options tool connects your book to your retirement timeline.
Is this a trading platform?
No. OMM is a planning tool. You log what already happened — purchases, dividends, premiums collected — and the app shows what it means for your financial independence timeline. No order execution. No broker connectivity. Your broker does the trading; OMM does the thinking.
Do you connect to my brokerage?
Not yet. Currently you add positions manually or via CSV. Broker-specific import (Schwab, TastyTrade, Fidelity, IBKR) is on the roadmap. The upside: your credentials never leave your broker. We never see your password.
Is my data safe?
Yes. Encrypted at rest, never sold, never used to train AI. Revenue comes from subscriptions only — no ads, no data selling, no sponsored content. This is explicit and non-negotiable. We'd rather shut down than sell your data.
What does the free plan include?
Portfolio tracking, dividend logging, options premium logging, and the FIRE bridge. Solo ($11/mo) unlocks dividend safety ratings, Roll Scout, AI Coach, and full analytics. 14-day free trial on Solo, no credit card required.

Start building toward your next million.

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