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.  

Holding the Otto mobile app

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.

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Step 2:  Keep your money up-to-date

Otto brings in your credit card spending and merges it with your money.  Each charge is assigned to one of your sub-accounts, so you can easily see how much money you still have available. Learn more.

Have multiple credit cards?  No problem. 
Credit Card Tracker ensures you always have enough money to cover all of your credit card payments. 

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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!*



$ 5.99  

Billed monthly


$ 65.89  

Billed annually
Get one month free!

Build a better credit score, maximize your credit card rewards, and save hundreds, or even thousands of dollars every year. *Learn more.

With Otto, your data is safe and secure.
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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.

Feel the freedom

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."

- Mark 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