Otto pays for itself, or it's free*

  • Stop paying interest and start earning interest.

  • Make smarter spending decisions every day.

  • Safely earn credit card rewards.

  • Increase your credit score to get better interest rates.



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.

*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.

Manage your money where it is.

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.

Coming soon

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