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.

How Otto pays for itself

Earn credit card rewards

With Otto you can safely maximize your credit card rewards without the risk of slipping into debt.

Getting anywhere from 1 - 5% back can earn you hundreds or even thousands of dollars each year.

Build your credit score

Otto helps you in the two areas that have the highest impact on your credit score:  Making your payments on time and keeping your credit utilization low. 

Having a good credit score will lower your monthly payments, saving you thousands of dollars over the course of a loan.

Make smarter decisions

By using Otto, you'll always know how much money you have available to spend. And this will make all the difference.

On average our users save over a thousand dollars a year simply by making better informed spending and saving decisions.


$ 5.99  

Billed monthly


$ 65.89  

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.

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.