How Otto works

With your money all mixed up together, it's hard to know how much money you have, and what it's for. 

Otto sits on top of your bank account and organizes your money based on how you plan to use it.


Otto creates sub-accounts.

Otto creates sub-accounts for organizing your money.; a Bills Account, a Spending Account, an Income Account and a Credit Card Payoff Account.


Otto organizes your income.

When money comes into your checking account, Otto moves it into your Income Account.  You can now decide how to use your money, before you start to spend it. 


Otto keeps your money organized in real-time

Otto automatically uploads your credit card charges.  You simply assign each charge to the account that will cover it.  As you do, Otto calculates how much money you still have available.   With Otto you always know how much money you have, and what it's for.


Otto can be customized to meet your needs.

Further organize your money by adding sub-accounts for the things that matter most to you.  Learn more.