Otto - Financial Manager vVARY

Tired of shoeboxes full of receipts and confusing spreadsheets? It's time to let your personal financial assistant take over. Welcome to Otto, the smartest and simplest way to manage your income and expenses—whether you're tracking home renovations, managing a small business, splitting costs with roommates, or handling international travel expenses.
Otto is a powerful financial manager designed for individuals, families, freelancers, and small business owners. Using state-of-the-art AI, Otto transforms your financial chaos into organized clarity. From scanning receipts with a snap of your camera to generating professional invoices, Otto is the all-in-one tool that works for you.

ORGANIZE YOUR LIFE WITH SMART BUCKETS
Create specialized "Buckets" for every aspect of your financial life:

HOME & PERSONAL
Track household expenses and stay on budget
Manage home or car renovations with contractor tracking
Share with family members for complete transparency

PETTY CASH MANAGEMENT
Track office petty cash withdrawals and deposits
Record who received funds and for what purpose
Perfect for small teams and shared funds

SHARED EXPENSES (SPLIT BUCKETS)
Roommate expenses—rent, utilities, groceries
Group travel with friends or family
Real estate co-ownership costs
Automatic fair-share calculations with settlement reports

BUSINESS OPERATIONS (Premium)
Full invoicing, receipts, and credit notes
Professional document generation with your branding
Track project costs and client billing
Perfect for freelancers and small businesses

INTERNATIONAL TRAVEL
Multi-currency expense tracking
VAT refund guidance for overseas purchases
Generate tax reclaim (guidance) reports
Share travel budgets with companions

COLLABORATE SEAMLESSLY
Share buckets with family, partners, or team members
Full permission controls for each member
Built-in chat to discuss expenses in real-time
WhatsApp notifications to keep everyone updated

CREATE PROFESSIONAL INVOICES & REPORTS
Are you a subscriber? Unlock powerful business tools.
Configure a Bucket as your business and generate beautiful, professional invoices, receipts, and credit notes in moments.
Generate insightful PDF or Excel reports to understand your spending and prepare for tax time.

CHAT WITH YOUR AI ASSISTANT
Have a question? Just ask Otto!
Our built-in AI assistant can guide you through the app, set reminders ("Remind me to pay rent on Friday"), and help you find records instantly.

GLOBAL FROM DAY ONE
Otto automatically handles multi-currency conversions based on the transaction date, giving you a clear financial picture no matter where you are or do business.

HOW OTTO WORKS:
FREE USER: Get started for free! Every month you receive 10 free credits to upload and save records, plus access to our core features. Perfect for managing personal expenses, petty cash, and shared costs.
Configure Business Buckets and generate professional invoices & Upload historical data via Excel (On Web Portal)
ALL USERS:
Purchase "Top-Up" credit packs if you need more (Pay As You Grow!)

Stop managing money the old way. Join thousands of users who are taking control of their finances with the power of AI—whether they're tracking home expenses, managing business operations, splitting costs with friends, or organizing international travel.
Download Otto today and turn your financial stress into financial success!