Otto's simple money philosophy:
To succeed financially, many of us don't need a budget, we just need to know how much money they have, and what it's for.
Otto achieves this by organizing the money within your checking and savings accounts into separate sub-accounts, each with it's own purpose. Otto then merges your credit card spending with your money to keep your balances up-to-date.
You can have as many or as few sub-accounts as you wish.
Below are the basic four sub-accounts and other sub-accounts possibilities.