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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 account and organizes the balance 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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Always know how much money you have, and what it's for.

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

Imagine if…

You didn't have to stress about money any more.


If you could enjoy ALL of the rewards and benefits of your credit card…


…WITHOUT worrying about overspending.


If you knew you had money set aside for bills, vacations.... 


....and whatever is important to YOU!


Otto cuts out financial confusion, guesswork, and unnecessary worry – for GOOD.

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Who needs Otto?

Anyone looking for an easy way to budget.


Otto simplifies your money in 2 easy steps so you can relax and enjoy the more important things in life.


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


Otto is for you!


You DON’T need to:

  • Constantly think about money,

  • Worry about overspending, or

  • Get blindsided by your credit card bills.... EVER AGAIN!

Give Otto just 20 minutes each month, and 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.

We don’t just come with promises, we come with proof: 

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.


Discover how EASY Otto is with a 30-day FREE trial. 

The way we see it, there is no better proof than the kind you see with your own eyes.

That's why we let you try Otto for FREE for 30 days with no payment information required.  


See for yourself how easy Otto is.


Use Otto for 30 days and we guarantee that you will see results.

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

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.

Or, if you prefer, you can hire Otto to budget your money for you!

Learn more.

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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