You don't need a budget. You need Otto.

A simple credit card spending system.

Watch this two-minute video to see how Otto works.


When your money is all mixed up together it's hard to know how much you really have.  With Otto, your money is organized in separate "accounts" based on how you plan to spend it.

Experience the freedom

20 minutes and I'm done

"Unlike budgeting systems, 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

Worth every penny

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

- Emily

Life changing

"Otto allows me to be in control of where my money goes each month. It is so liberating. It gives me greater confidence as I know the money is already there before I spend it. I would highly recommend Otto."

- Stuart

Safe and secure

Your security is our highest priority.  We spare no expense in ensuring that your data is safe.

  • Otto was developed right here in the USA​.

  • We maintain the highest bank-level encryption standards.

  • ​All information obtained is in a read-only format.

  • ​No one can use the app to move or access your money.

Otto uses Finicity, an affiliate of Mastercard and one of the top API services in the nation, to safely link to your financial institutions.  For more information about Finicity and their security policies, please visit

Your credit card companion

After a 30-day FREE trial, Otto is billed monthly at $5.99.

Otto pays for itself, or you can get it for FREE.  Learn more.