Why isn't Otto FREE?

The sad truth is, if you are not paying for something, then you are the product.
Otto is the app the credit card companies don't want you to know about.



Billed monthly



Billed annually

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 spend their money more wisely.  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.

Earn rewards, build credit and save money

After a 30-day FREE trial Otto is billed monthly at $5.99.

Otto pays for itself, or you can get it for FREE. Learn more.