You don't need a budget.

You need Otto.

After years of failed budgeting attempts, we discovered the best way to manage your money is by separating it into multiple bank accounts. That's why we created Otto.  

Watch this two minute video to see how Otto works.

Stay Organized.

Budgets give the illusion of being organized, but in reality all your money is mixed together.   

With Otto your money is truly organized, not just categorized.

Experience the freedom

20 minutes and I'm done

"How many people can say they've finished their budgeting for the month that quick? And it's so accurate! I finally feel in control and empowered about my money."

- Chloe

Worth every penny

"Otto has made managing my money 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.

  • Our app is 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

Set up Otto at your

bank or credit union today.

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.

Coming soon

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