Ottosave 4+

Easier than a budget‪.‬

Defend Your Money, LLC

Designed for iPad

    • 4.9 • 19 Ratings
    • Free
    • Offers In-App Purchases



Otto is an easy budgeting app.
With Otto, you can budget your own money, or invite someone to budget for you!
Managing your money has never been easier!

Otto simplifies your day-to-day finances in 2 easy steps

Step 1: Organize Your Money In Dedicated Sub-Accounts.
Otto, in a sense, sits on top of your bank account and organizes the balance in sub-accounts based on your upcoming bills, spending and savings.

Step 2: Merge In Your Credit Card Spending
Then, to keep your money organized, Otto brings in your credit card spending and merges it with your organized money.

***** Otto is NOT a traditional budget. *****

Otto simply makes your bank better.

Think of Otto as the source of truth, when it comes to your money.

Otto organizes your money so you can easily see how much money you have, and what it's for.

At your bank, your money is all mixed up together …

But on Otto, your money is organized.

No more stressing, or guessing about money.

With Otto, you always know.

***** Use Credit Cards With Confidence. *****

The credit card companies make more money when you overspend and slip into debt. They are NOT looking out for you. Otto is!

As we like to say, Otto turns your credit cards into debit cards.

Otto brings your money and your credit card spending together so you always know how much money you have available to spend.

​You don't have to worry about overspending and being blindsided by your credit card bills ever again!

​Otto uses your credit cards as budgeting tools to keep your money organized all month long.

So, if you like being organized and you like using credit cards...

You are going to LOVE Otto!

***** With Otto You Will: *****

Earn rewards.
Safely earn credit card rewards and put hundreds, or even thousands, of dollars back into your pocket each year.

Build your credit score.
With a better credit score, you can save thousands of dollars over the course of a loan.

Spend Smarter.
On average, our users easily save over a thousand dollars each year. You can too!

***** We are committed to your security. *****

Otto uses Finicity, a division of Mastercard, to securely link to your financial institutions.

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

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.

***** Hire someone to help you. *****

Did you know that you can hire someone to keep your money organized for you?

Similar to how you might hire someone to tidy up your home, you can hire someone to tidy up your finances!

Otto works with Financial Coaches, Counselors and Daily Money Managers all across the country.

These professionals can help you set up Otto, get your financial life in order, or even budget your money for you!

​Managing your money has never been easier!

***** Pricing details: *****

Subscriptions are billed at a rate of $7.99/month or $87.89/year. The first 30 days are free. After your free trial, you will be given the option to purchase a subscription.

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.

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

We do not sell or share subscribers’ data.

Terms of Service -

Security and Privacy Policy -

What’s New

Version 2.5.6(1)

We are continually working to make Otto even easier. We hope you like these new improvements.
This new build adds a User Access Portal. You can use this portal to invite a Financial Coach, Counselor or a Direct Money Manager to help you get your finances in order or even budget for you.
This new build also adds a Download Transactions feature for your accounts.

Ratings and Reviews

4.9 out of 5
19 Ratings

19 Ratings

$tudog ,

Life changing program

Otto 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.

kspicegirl ,

Peace of Mind

My car died last night. Thanks to Otto, I’m not stressed about knowing how much money I have available to buy a new vehicle. Before yesterday, I had already allocated the amount for this large expense AND I know that when other big purchases arise, I have money set aside for those things too!! In short, Otto has helped me have control of my money instead of my money controlling me.

Otto$ave ,

Saved my life!

Otto has saved me financially! I feel control of my money and even get excited saving it. I no longer need to guess where my money is going and hope I have enough to get me to the next paycheck. Otto has let me live my life stress free🤩

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

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