Unlock the power of your credit cards

• Build your credit score

• Maximize your credit card rewards

• Organize your spending

and take your finances to the next level.

**Otto is a credit card focused app designed for people who pay off their credit cards each month.   If you have credit card debt, we recommend Dave Ramsey or a similar budgeting system.

Build

Otto helps you build your credit score by focusing on the two areas that have the highest impact on your credit score:  Making your payments on time and keeping your credit utilization low. 

Having a good credit score will lower your monthly payments, saving you thousands of dollars over the course of a loan.

Maximize

Otto brings all of your credit card charges together in one app, making it easy to maximize your rewards, without the fear of slipping into debt.

Earning 1 - 5% on all of your purchases can put hundreds, or even thousands, of dollars back into your pocket each year.

Organize

Otto organizes your money in separate sub-accounts.  This makes it easy to see how much money you have, and what it's for.

On average our users save over a thousand dollars each year simply by making more informed spending and saving decisions.

Otto is NOT a budget.

Otto simply gives your money a little structure.

Otto's money philosophy:

To succeed financially,
most people don't need a budget, they just need to know how much money they have, and what it's for.

Watch this two-minute video to learn more.

**Otto is a credit card focused app designed for people who pay off their credit cards each month.  If you have credit card debt, we recommend Dave Ramsey or a similar budgeting system.

Otto's two-step system

Step 1:  Organize your money

Otto organizes the money in your checking and savings accounts into separate 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 accounts.

Step 2:   Keep your balances up-to-date

Otto brings in your credit card spending and merges it with your money so you always know how much you still have available.  Learn more.

The Credit Card Tracker makes sure you can always make your credit card payments and monitors your credit utilization (the % of your credit limit that you've used) so you can keep it low.  

Otto pays for itself, or it's FREE!

Our goal is to help people of all walks of life succeed financially.  We do not want the cost of a monthly subscription to keep anyone from using Otto.  We are so confident that Otto will pay for itself, that if it doesn't, and you cannot afford it, you can get Otto for FREE!  Learn more.

 30-day free trial.  No payment information required. Learn more.

Safe and secure

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

​

• Otto was developed and is maintained 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.

• For more information please see our Privacy and Security Policies.​

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 finicity.com/security.

Experience the freedom

Spend and save with confidence

**Otto is a credit card focused app designed for people who pay off their credit cards each month.  If you have credit card debt, we recommend Dave Ramsey or a similar budgeting system.