Ask an investor what their account is worth and they will answer to the dollar. Ask what the portfolio paid them last year and most will pause. I ran a seven-figure book across two spreadsheets and three apps, and I could not answer it either. That gap is why OneMoreMillion exists, and as of today the app is open to anyone who wants to close it.
The number your broker leads with
Open your brokerage app and the biggest number on screen is what your account is worth. It is accurate. It also answers the least useful question in investing. Worth tells you where you stand today. It says nothing about what your money earned this year, what it cost to earn it, or what you kept.
Sell options and it gets worse. The broker celebrates premium collected, and premium collected is a vanity metric. A covered call caps your upside. A cash-secured put parks cash that could be working anywhere else. The premium line records what came in and ignores both costs. You can collect $28,800 of premium in a year and still not know whether selling those options beat leaving the money alone.
Two honest numbers
OMM keeps two numbers clean and refuses to blend them.
The first is your combined income. For an income investor, dividends and option premium are one paycheck from two sources, and no broker puts them side by side. OMM does, by month and by year, on the first screen you see.
The second is your honest total return. OMM computes a time-weighted return, the method funds use to report, so a $50,000 deposit in March neither flatters nor punishes the line. Dividends and price gains fold in, and the result sits on one chart against the S&P 500. If your spreadsheet return and your gut have ever disagreed, the TWR vs XIRR explainer covers what most tools get wrong.
The two never mix. Premium is income. Total return is total return. Blending them is how investors flatter themselves, so OMM shows them side by side and never adds one into the other.
What is inside on day one
The options dashboard follows every covered call and cash-secured put through its whole life, rolls and assignments included, with cost basis adjusted at each step. Every position carries real P&L and ROCAR, the return the trade earned on the capital it put at risk. The book sorts itself into Urgent, Watch, and Healthy, so a forty-contract book takes minutes to check, and Roll Scout, on the Solo plan, flags the contracts worth rolling before expiry decides for you.
Dividend tracking logs every payment and maps the year ahead by ex-date. On Solo, each holding carries a safety rating, a 0 to 100 score built from payout ratio, coverage, and growth history. At publication, JNJ scored 81 on a 59.5% payout ratio with five straight years of growth. A stretched payout scores low while you still have time to act.
Asset pages carry fundamentals and a feature called "Why's it moving?". On a day a holding jumps or drops, it explains the move only when it can cite a real catalyst from that day's news. It is AI-assisted, and when there is nothing to cite it stays silent instead of inventing a story.
Your data stays yours. There is no brokerage connection, you enter positions yourself, everything travels over an encrypted connection, and any account exports to CSV. OMM never touches your money and never places a trade. Execution stays at your broker.
Who this is for
OMM leads with options income. If you run the wheel, write calls against long-term holdings, or sell puts on stocks you want anyway, it was built around your exact bookkeeping problem. If dividends are your only stream, the same honest math tracks them and the options side stays out of your way. And if the income is years from mattering, the same two numbers tell you each quarter whether the plan is working.
Start free
The free plan covers one account with ten holdings and five options positions, and it takes no card. Run it next to whatever you use today and see which one you trust by the end of the month. The Solo plan removes the limits and adds Roll Scout, dividend safety ratings, and "Why's it moving?", and founding members get 90 days to prove it on their own book before paying.
I built OMM because I needed it. The full story involves a BMW, a $1,200 repair bill, and a spreadsheet that turned into a Sunday-night job.
Start free at onemoremillion.com. Go see what you kept.
