Otto’s simple money philosophy:
Many of us don’t need a budget,
we just need to know how much money we have
and what it’s for.

Unlock the power of your credit cards and take your finances to the next level.

Otto is designed for people who pay off their credit cards each month.
If you have credit card debt, we recommend Dave Ramsey or a similar budgeting system.

Otto is not a budget. It simply gives your money a little structure.

This is how it works:
1. Otto organizes the money in your checking and savings accounts into separate sub-accounts, each with its own purpose.

2. Otto brings in your credit card spending and merges it with your money so you always know how much you still have available.

*Build your credit score.
Otto helps you build your credit score by focusing on 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.

*Maximize your credit card rewards.
Otto brings all of your credit card charges together in one app, making it easy to maximize your rewards, without the fear of slipping into debt.

Earning 1 - 5% on all of your purchases can put hundreds, or even thousands, of dollars back into your pocket each year.

*Organize your spending.
Otto organizes your money in separate sub-accounts. This makes it easy to see how much money you have, and what it's for.

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


"Otto has made using my credit cards a positive experience! Otto's system is simple, and it actually works! I never thought I would feel so much peace about my finances."
~ Emily R.

"I want to sincerely thank you for helping me get my money life in order. To not be afraid of money, to feel in control of my money, to actually want to talk about my money - Amazing! Thank you"
~ Sally M.


We are committed to your security.

We enforce a strict level of encryption, similar to banks (SSL /TLS1.2), on all requests to our apps as well as all data requested or sent by the apps.

All data stored with us is encrypted using an advanced standard (AES-256) or better. The encryption is done with symmetric keys. We also encrypt the keys and change them regularly. In addition, we double encrypt sensitive data like names and passwords.

The financial data we collect is read-only. No one, including you, can move or access money from your accounts using the Otto app.


Pricing details:
Subscriptions are billed at a rate of $5.99/month or $65.89/year. The first 30 days are free. After your free trial, you will be given the option to purchase a subscription.

If you choose not to purchase a subscription, you will not lose your data or account. However, your bank balances and credit card charges will not upload automatically.

Otto pays for itself or you can get it for free. We do not want the cost of a subscription to keep anyone from using Otto. If you cannot afford a subscription, you can apply for a FREE subscription at our website.

Payment will be charged to your iTunes Account at the end of the trial period. Accounts will be charged for renewal within 24-hours prior to the end of the current period. Your charge will identify the cost of the renewal.

Otto subscriptions renew automatically unless auto-renew is turned off at least 24-hours before the end of the current period.

You may manage your subscription by going to your iTunes Account Settings.

We do not sell or share subscribers’ data.

Terms of Service -

Security and Privacy Policy -

What’s New

Version 2.3.6

We are constantly working to improve Otto. We hope you like these new changes.

This new build expands the functionality of Otto.
You can now manually enter your credit limits.
This version also fixes a sticky bug on the credit card page.

Ratings and Reviews

4.8 out of 5
10 Ratings

10 Ratings

$tudog ,

Life changing program

Defend Your Money allows me to be in control of where my money goes each month. It is so liberating and brings peace of mind. It gives me greater confidence as I know that the money is already there before I spend it. They were so helpful in getting me set up and now it takes less than an hour once a month to keep track of my family’s income and expenses. I would highly recommend Defend Your Money!!

Developer Response ,

Thank you for your review! It's amazing how good it feels to have your money under control. Glad we can help.

EAReese ,

Worth every penny!!

Otto has actually made managing my money a positive experience! Otto’s system is so simple, and it actually works! I love how intuitive and easy the app is to use! I never thought I would feel so much peace about my finances! Worth every penny!!

Developer Response ,

Thank you for the great response! We are so happy Defend Your Money has made budgeting a positive experience for you. This is exactly what we are hoping for. If you have any suggestions on how we can make the app even better we would love to hear it. We are constantly working to learn and improve. Thank you again for your kind words.

Cleo-Jane2 ,

20 minutes and I’m done!

How many people can say they’ve finish thier budgeting for the month that quick?! And it’s so accurate! I finally feel in control and empowered about my money.

Developer Response ,

Thank you! Making it quick and easy to manage your money was one of our top goals. Glad you like it.

App Privacy

The developer, Defend Your Money, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

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

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