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With the Otomo personal finance app, your money knows where to go. Take precise control of how your money flows – Save for goals. Pay friends. Collect money owed.

The financial assistant for a new generation of independent workers. Otomo (formerly known as "Pays.ly") helps you plan and bring your goals to life on autopilot. Within minutes, you can be set up to automatically transfer money from your bank to your savings goals, as well as pay friends and family.

Manage your money your way with our customizable cash-flow planner. Decide which income goes where, whether it’s the same amount or a percentage of your pay. Either way, you save what you can when you can, and can withdraw your money whenever you like. That’s what it’s all about.

Otomo keeps you on track when your cash flow is normal, and knows to pause your automated plans when you're waiting on money to come in. You can even make certain transactions ask for your approval before they go out – so you're always in control.

1. Create a goal – this could be a financial priority or big life goal.
2. Tell Otomo how much, how frequently, and with what income you want to fund your goals. Get specific.
3. Sit back and reach your goals without thinking about it.

Gig or freelance tax savings:
“Whenever I get a payout from #Lyft or #Uber, set aside 30% for income taxes.”

Pay back a friend:
“Once a month, send $75 to Amy, as long as I have at least $1,000 in my checking account until I’ve sent a grand total of $350.”

Save for a special occasion:
“As long as I have $1,200 in my bank account, save 5% of my income up to a grand total of $3,500 for my Adventure to Bali.”

Work-related savings:
“Whenever I get a payout from #Upwork, set aside 5% for a new Macbook.”

-Our partner, Plaid, also partners with companies like Venmo and AMEX to provide secure connectivity to nearly 10k banks and credit unions throughout the US
-Your bank log-in credentials cannot be stored by us
-Bank-grade and military-grade security and encryption keep your personal data safe
-SMS verification to prevent fraudulent accounts
-VoIP, Google Voice, and international numbers are blocked for further fraud protection
-Face ID & Touch ID for device-specific protection

-View your bank and savings balances all in one place.
-Progress bars give you instant perspective.

-We’ll keep you informed of progress and let you know immediately if we detect suspicious activity related to your account.

Yes, Otomo is free. Charging fees to save money just doesn't make sense, so we found a better way. When you tell us what your goals are, we can go out and negotiate great prices for the things you actually want (while keeping you anonymous, of course). If you like what we bring you, we get paid by the companies who are lucky enough to win your business.

That’s it, we earn commission by helping you hit your goals faster.

What’s New

Version 1.41

Welcome to the latest version of Otomo! Here's what's new:

This version:
-Fixed bug in identity verification document upload
-Updated some language
-Fixed sign in errors

Please send us your thoughts, suggestions, or questions. We'd love to hear from you!

Love the app? Please rate us :) Your feedback helps Otomo grow.

Ratings and Reviews

5.0 out of 5
25 Ratings

25 Ratings

Not Prince Harry ,

Made me into an adult

My parents really dropped the ball teaching me financial basics when I was young, and I still don’t understand how schools get away with not teaching us even the most simple things about how to handle money. I’m 28 and I’ve spent way too long making basic mistakes. I didn’t know if Paysly was really going to be that helpful when I got it, but I was willing to give it a try.

Long story short, it has simplified my financial situation drastically. I didn’t even realize how much stress I was carrying around about where my money was going and when and where it would be coming back in. As a freelancer, this app has taken away a huge amount of my worry. Paysly actually deserves to be up there with the best in my opinion.

spirit friendly ,

5 min to accomplish something never before possible

Within five minutes of downloading the app I was able to set up a new savings plan that moves 15% of my paycheck (if I have more than $X amount in my checking) and put it into a new savings account for a down payment on a house. Finally an automatic savings solution that will not leave me in a lurch.

ironyofall ,

Intuitive and Revolutionary

I have tried so many apps over the years to help me save money and this is finally the ticket. What other app offers the ability to save a percentage of income deposited in my home bank account then automatically deposit it into a separate Paysly account. Loving it.

App Privacy

The developer, Paymation, Inc., has not provided details about its privacy practices and handling of data to Apple. For more information, see the developer’s privacy policy.

No Details Provided

The developer will be required to provide privacy details when they submit their next app update.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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