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Spending Account Tracker.png
  • The Spending Account Tracker is designed to help you pace your everyday spending.

  • If you indicate on your Bills Account Schedule that you plan to organize your income once a month, it paces your spending for the next 30 days. If you plan to organize your income twice a month, it paces your spending for the next 15 days.

  • To calculate approximately how much money you can spend each day, Otto takes the current available balance in your Spending Account (represented by the green bar) and divides it by the number of days remaining of the 15 or 30 days.  

  • The tracker resets every time you organize your income and sets the beginning balance as the current balance of your Spending Account.

Available Balances.png
  • Otto updates your bank balances each time you log in to your account.

  • You can also manually update your bank balances by clicking the refresh arrows in the top right corner of the screen.  

  • Otto calculates your Available Balances by subtracting your assigned credit card charges from your current bank balance/sub-balance.  Hover over the calculator icons to see these calculations.

Move Money
Move money.png
  • Click Edit in the top right corners of the Available Balances and Credit Card Tracker panels to move money between your sub-accounts.

  • Choose the sub-account you would like to move money from and the sub-account you would like to move money to.  Both sub-accounts must be associated with the same bank account.

  • Enter the amount you would like to move and click Move.

Credit Card Tracker.png
  • The Credit Card Tracker focuses on the two areas that have the highest impact on your credit score.

    1. Otto ensures that your credit card balances are covered so you can always make your credit card payments on time

    2. Otto monitors your credit utilization so you can keep it in the Good - Excellent range.

      • 0 - 10 % Excellent

      • 11 - 30 % Good

      • 31 - 50 % Average

      • 51 - 100 % Below Average

  • The balance of your Credit Card Payoff Account adjusts as you assign your credit card charges to your other accounts.

  • The goal is for the difference between your Credit Card Payoff Account and the current balances of your credit card(s) to be zero.  This indicates that all of your credit card charges are covered. 

Account Schedules.png
  • Account Schedules allow you to create lists of bills, estimates or savings goals to help you determine how to organize your money.  

  • You may create Account Schedules for any or all of your sub-accounts.  

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