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Simplifies your 
day-to-day finances in 2 easy steps.

Otto is the easy budgeting app!

*For a guided walk-through, log in on the web.

2 Easy Steps


Organize your income in dedicated sub-accounts

Otto, in a sense, sits on top of your bank accounts and organizes the balances in sub-accounts based on your upcoming bills, spending and savings.

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Merge in your credit card spending

Then, to keep your money organized, Otto brings in your credit card spending and merges it with your organized money.  

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Otto is NOT a traditional budget

*For a guided walk-through, log in on the web.

Otto makes your bank better

Think of Otto as the source of truth, when it comes to your money.

Otto organizes your money so you can easily see how much money you have, and what it's for.

At your bank, your money is all mixed up together ...


But on Otto, your money is organized.

No more stressing, or guessing about money.

With Otto, you always know.


Use credit cards with confidence 

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The credit card companies make more money when you overspend and slip into debt.  They are NOT looking out for you.  Otto is!

As we like to say, Otto turns your credit cards into debit cards.

Otto brings your money and your credit card spending together so you always know how much money you have available to spend.

You don't have to worry about overspending and being blindsided by your credit card bills ever again!

Otto uses your credit cards as budgeting tools to keep your money organized all month long.

So, if you like being organized and you like using credit cards... 


You are going to LOVE Otto!

With Otto you will:


Earn rewards

Safely earn credit card rewards and put hundreds, or even thousands, of dollars back into your pocket each year.


Build your credit score

With a better credit score, you can save thousands of dollars over the course of a loan.


Spend smarter

On average, our users easily save over a thousand dollars each year.  You can too!

*For a guided walk-through, log in on the web.

Our happy clients

Happy Otto user.

I'm finally in control

"Otto is quick and easy.  It takes me just a few minutes each month.  And it's so accurate! I finally feel in control and empowered about my money."

- Chloe

Happy Otto user.

Working together

"Otto has made using our credit cards a positive experience! Otto's system is simple, and it actually works!  We never thought we would feel so much peace about our finances."

- Paul and Emily

Happy Otto user.

Life changing

"Otto allows me to be in control of where my money goes each month. It is so liberating and gives me greater confidence.  I would highly recommend Otto."

- Stuart

*For a guided walk-through, log in on the web.


Let us help you!

Need help?  We can budget for you! 


Similar to how someone might tidy up your home, we can tidy up your finances!

Otto works with Financial Coaches, Counselors, Daily Money Managers and their clients all across the country.


We are budgeting experts and we can get your financial life in order, act as your accountability partner, and help you stay on course to reach your financial goals.

Budgeting has never been so easy!

After your free trial, Otto is just $7.99 per month or $87.89 per year. 

Otto pays for itself...
We guarantee it!

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If, after using Otto for two months, you have not saved more than twice the cost of a monthly subscription, we will give you your money back.

Finally, an easy way to budget!

*For a guided walk-through, log in on the web.

With Otto, your data is safe and secure.
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Your security is our highest priority

We spare no expense ensuring that your data is safe.

  • Otto was developed and is maintained right here in the USA​.

  • We use the highest bank-level encryption standards.

  • ​All information obtained is in an encrypted, read-only format.

  • ​No one can move or access your money using Otto.

Otto uses Finicity, a division of Mastercard, to securely link to your financial institutions. 

Get Started Today!

See for yourself how easy it is!

*For a guided walk-through, log in on the web.

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