How it works

Six pillars. One retirement date.

Every feature in OMM feeds the same question — how many months closer did your money get this month?

Options Income

Premium that moves your FIRE date.

Covered calls, cash-secured puts, and the wheel strategy — tracked across their full lifecycle. Not just what you collected. What you earned relative to what you risked.

  • Full lifecycle: open, close, roll, expire, assign
  • Position Triage — auto-sorts by urgency based on delta, expected move, and DTE
  • Roll Scout — three priced roll alternativesSolo
  • ROCAR — Return on Capital at Risk, not premium collected
  • Every dollar of premium reduces your required withdrawal rate
Options Position Triage showing Urgent, Watch, and Healthy positions with AI insights and risk metrics
Portfolio

Every account. One view. Real numbers.

Taxable, Roth IRA, Traditional IRA, 401K, HSA — aggregated with per-account P&L. Not an estimate. Your actual cost basis, your actual return, benchmarked against SPY, QQQ, or whatever you choose.

  • XIRR and TWR performance metrics — not just simple return
  • Benchmark comparison: SPY, QQQ, IWM, or custom
  • Sector and account-type allocation
  • Options positions inline with CC/CSP badges on holdings
  • Every holding connected to your FIRE number
Portfolio holdings table with KPI cards, performance chart, and benchmark comparison
Dividends

Income you can measure.

Every dividend tracked. Every safety rating calculated. Every DRIP share recorded. See exactly what percentage of your monthly expenses your dividends cover — and whether that income is safe.

  • 13-factor dividend safety rating (A+ through F)SoloComing soon
  • Yield on cost — not just current yield
  • DRIP tracking with cost basis per reinvested share
  • Ex-date calendar and monthly income breakdown
  • Alerts when a safety rating drops
Dividends overview with safety grid, alert queue, top contributors, and upcoming payments
FIRE

Not just the 4% rule. Your number.

CAPE-adjusted safe withdrawal rates. 6 strategies compared side by side. Monte Carlo with 10,000 runs. And the part no other tool does — your actual income reduces what you need to withdraw, moving your FIRE date closer.

  • CAPE-adjusted SWR — not a static 4%Solo
  • 6 strategies compared side by sideSolo
  • Monte Carlo: 10,000 runs, probability of successSolo
  • Income integration — dividends + options reduce your required SWR
  • “Your income moved your FIRE date 14 months closer”
FIRE calculator showing projected date, progress bar, income coverage, and settings form
The connection

This is the part no other tool calculates.

Your options tracker doesn't know your FIRE date. Your retirement planner has no idea about your options income. Your dividend tracker doesn't know what your payouts mean for your withdrawal rate.

OMM holds all three pillars. When you log a covered call, your retirement date recalculates. When a dividend reinvests, your withdrawal rate drops. When your portfolio grows, your Monte Carlo probability shifts.

One tool. Every pillar. One number that matters.

AI Coach

Insight, not advice.

An AI coach that sees your entire portfolio, every income stream, and your FIRE timeline. It doesn't give generic tips. It names specific tickers, specific numbers, and specific actions — because it has the context no other AI tool has.

  • Sees all three pillars in real time
  • “Your MSTR CC is 89% captured with 3 DTE — close now and redeploy”
  • Connects options income to FIRE timeline
  • Available on every page via the Coach bar
  • “Not financial advice” — intelligence, not guidance

Included in Solo · Try free for 14 days

AI Coach chat showing cross-pillar insight about MSTR covered call and FIRE date impact
Bitcoin
Coming soon

Sats alongside stocks.

Track your Bitcoin stack, DCA history, and cost basis alongside your equity portfolio. Ecosystem positions (MSTR, IBIT, MARA) auto-detected. Everything integrates into your FIRE calculation.

How OMM compares to single-lane tools.

CapabilityOMMPortfolio TrackersFIRE PlannersOptions ToolsNet Worth Apps
Portfolio trackingFull (XIRR, TWR, benchmarks)YesBasicNoYes
Dividend safety ratings13-factorSomeNoNoBasic
Options income trackingFull lifecycleNoNoJournal-onlyNo
FIRE calculator6 strategies + Monte CarloNoYesNoBasic
Income → FIRE connectionAutomaticNoManual inputNoNo
AI coach with full contextYesNoNoNoNo

Every tool above is good at one thing. OMM connects all of them.

See your FIRE date move.

Free plan available. Solo is $11/mo. No credit card required.

Start free — no card needed

Have an alpha code? Enter it during signup for 3 months free.