Easier than a budget.
Otto simply gives your money a little structure, so you always know how much money you have, and what it's for.
**Otto is a credit card focused app designed for people who pay off their credit cards each month.
Otto's simple two-step system
Step 1: Organize your money
Otto organizes the money within your own checking and savings accounts. Your money is separated into sub-accounts, each with its own purpose. Learn more.
Account schedules help you decide how to organize your money. Create lists of bills, estimates or savings goals for any or all of your sub-accounts.
Step 2: Keep your money up-to-date
Have multiple credit cards? No problem.
The Credit Card Tracker ensures you always have enough money to cover all of your credit card payments.
Otto is easy!
Otto only takes just a few minutes each month.
With Otto, you always know how much money you have, and what it's for.
No more stressing over money. Otto lets you spend and save with confidence.
Otto pays for itself, or it's FREE!*
Your security is our highest priority.
We've spared 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 a read-only format.
No one can move or access your money using Otto.
Otto uses Finicity, an affiliate of Mastercard and one of the top API services in the nation, to securely link your financial institutions. Learn more.