Track expenses across 5 financial contexts in one app.

AI-powered receipt scanning, business invoicing, split expenses with friends, travel VAT claims (guidance), 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) with instructions to guide you in various exit airports.

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: 150 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 (on your beautiful web portal!)
CREDIT TOP-UPS: Need more uploads? Purchase affordable credit packs. 1 credit = 1 saved record.

HOW OTTO WORKS

Create a Bucket (General, Business, Travel, Petty Cash, or Split)
Upload expenses via photo, PDF, voice, or manual entry (or historic Excel via your web portal - Premium feature)
AI extracts details automatically (always review for accuracy)
Share with collaborators if needed
Generate reports (PDF or Excel) for tax time or analysis

PERFECT FOR
Freelancers managing client projects with professional invoicing
Families tracking household budgets and shared expenses
Small business owners needing affordable expense + income tracking
Travelers claiming VAT refunds on international purchases
Roommates splitting rent, utilities, and groceries fairly
Office managers tracking petty cash disbursements

WHY OTTO?
One Login, All Contexts: Stop switching between Expensify, Splitwise, and QuickBooks
Radically Affordable: $3.50/month vs $15-50/month for competitors with fewer features
AI-First Design: Voice assistant, smart OCR, automatic categorization
Multi-Currency Native: Automatic conversion based on transaction date
Privacy-Focused: Your data stays yours—no selling to third parties

Join thousands managing their finances smarter. Download Otto today—150 free credits waiting for you!