Always know how much money you have and what it's for.
Watch the money you save build month after month.
Stop paying interest and start earning interest.
Make smarter spending decisions every day.
Earn credit card rewards without the fear of slipping into debt.
Build your credit score.
Get one month free!
30-day free trial. No payment information required.
After your free trial, you will be asked to enter a payment method to ensure your uninterrupted use of Otto. If no payment method is provided, your account will automatically downgrade. If this happens, you will not lose any of your data, however, your bank balances and credit card charges will no longer update automatically.
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.