Otto - Financial Manager

Track expenses across 5 financial contexts in one app. AI-powered receipt scanning, business invoicing, split expenses with friends, travel VAT claims, and petty cash—all organized in smart Buckets. 5-15x cheaper than competitors.


ONE APP FOR YOUR ENTIRE FINANCIAL LIFE
Stop juggling multiple expense apps. Otto replaces Expensify, Splitwise, and QuickBooks with a single, elegant solution. Create unlimited Buckets—each a self-contained financial workspace with its own currency, members, and reports.


5 BUCKET TYPES, INFINITE POSSIBILITIES
• GENERAL - Personal finances, home renovations, car repairs
• BUSINESS (Subscribers) - Professional invoicing, receipts, credit notes with your branding
• TRAVEL - Multi-currency tracking, VAT refund claims guidance, barcode extraction
• PETTY CASH - Small cash tracking, office petty cash, recipient management
• SPLIT EXPENSES - Roommates, group travel, real estate co-ownership with automatic settlements


AI-POWERED AUTOMATION
• Receipt Scanning: Snap a photo—Otto extracts vendor, amount, date, currency, and category automatically
• Voice Input: "Add $45 coffee expense" creates the record instantly
• Smart Assistant: Chat with Otto to find records, set reminders, or get guidance
• Barcode Extraction: ML-powered scanning for VAT refund claims (QR codes & linear barcodes)


COLLABORATE SEAMLESSLY
Share Buckets with family, partners, roommates, or team members. Built-in chat keeps everyone aligned. WhatsApp notifications for subscribers. Granular permission controls ensure the right people see the right data.
• Share household expenses with your spouse
• Split group travel costs with automatic fair-share calculations
• Collaborate with contractors on renovation projects


UNBEATABLE VALUE
FREE TIER: 100 free credits (limited time offer!). Create unlimited Buckets. Upload receipts via photo, PDF, or voice. Share with others. Download 2 reports/month.
PREMIUM ($3.50/month or $35/year): Business Buckets with professional invoicing. WhatsApp integration. Custom expense categories. Unlimited report downloads. Excel bulk uploads.


CREDIT TOP-UPS: Need more uploads? Purchase affordable credit packs. 1 credit = 1 saved record.
HOW OTTO WORKS
1. Create a Bucket (General, Business, Travel, Petty Cash, or Split)
2. Upload expenses via photo, PDF, voice, or manual entry (or historic Excel via your web por