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

Money can be complicated and stressful.  But for most of us, budgeting doesn't help.  That's why we created Otto.


Otto simplifies your money by managing it where it is; at your bank or credit union.  With Otto, your money is organized in separate checking and savings accounts making it easy to see how much money you have and what it's for.  

Watch this two-minute video to see how Otto can simplify your finances in just a few minutes each month.

Stay Organized.

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

Manage your money where it is

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

© 2021 Defend Your Money, LLC. All rights reserved.