Automatic
Open Finance
Multiple banks, accounts and credit cards, personal and business, always up to date.
New · Open Finance + AI
Can I spend it?
Ask Otto.
The app that organizes your money on its own: it connects your banks and cards through Open Finance, sorts every expense with AI and tells you, honestly, if it fits your month.
- Free to start
- No ads
- Regulated Open Finance
- Read-only
All in one place
Many banks, accounts and cards, personal and business, updated automatically.
AI that learns
Categorizes every expense and remembers your fixes.
Honest answers
Ask before you buy. If it does not fit, Otto tells you straight.
Free to start
No ads and we never sell your data. Premium only if you want it.
How it works
Three steps and Otto takes over
Connect your banks
Authorize inside your bank app through Open Finance. No passwords, read-only, revoke anytime.
Otto organizes it
Transactions categorized, transfers between your accounts and card payments never counted twice.
Ask and decide
"Can I spend it?", "where can I save?". Short answers with charts, from your own data.
Features
A whole finance app in one owl
From statements to retirement: Otto handles the boring part and flags what matters.
AI categorization
Every transaction is categorized. Fix it once and it becomes a rule.
Android
Bank notifications
On Android, purchases and Pix show up instantly from your bank app notifications (optional).
Chat with Otto
Ask in plain words and get charts and tables built from your data.
Smart savings goals
Emergency fund, investing and retirement with the ideal amount from your history, plus couple contributions.
Upcoming payments
Bills, boletos and card statements with a heads-up before the due date.
Budgets
Per-category limits with an alert before you overspend.
Subscriptions
Recurring charges detected, with alerts for price hikes or double charges.
Bank savings boxes
Your in-bank savings boxes show up next to your goals.
CDB comparison
See where your money earns more, in simple numbers.
Widgets
Savings, monthly overview, "Can I spend it?" and card limits on your home screen.
Hide amounts
One tap and numbers disappear. Perfect for public places.
New
Learn with Otto
18 lessons with quizzes built on your numbers, plus Otto's Tip every day.
New
Otto Kids
Allowance, Save, Spend and Give jars, dreams and missions for children.
Can I spend it?
Ask before you swipe
Otto checks your accounts, card bills, budgets and savings for the month, runs the numbers and answers right away. If it fits, it celebrates with you. If not, it scolds you and suggests a better path.
- Accounts for bills that are still due
- Respects what you set aside to save
- Explains why, in plain language
YouPartnerHome
- Checking accountYou · SharedR$ 4.230
- Credit cardPartner · SharedR$ 1.940
- Business accountYou · Private account•••••
- Household reserveHome · SharedR$ 18.400
For couples
Money for two, privacy intact
Invite the person you share bills with. See household money together and keep personal things personal.
- See just yours, just theirs or the household total
- Each person decides, account by account, what the other sees
- Shared goals with each person’s contributions
Learn with Otto
Money lessons with your own numbers
Otto understands your profile and your real habits and teaches with your money, not generic examples. Every lesson ends with "in your case": what it means for you, in reais.
- Age
- Education
- Occupation
- Dependents
- Fixed or variable income
- 18 short lessons with a quiz and "in your case"
- Ideal emergency fund in months for your income type
- Life insurance: how much makes sense with dependents
- Otto's Tip every day in the app, chat and widget
- Emergency fund
- Life insurance
- Pensions: PGBL vs VGBL
- CDI, Treasury and FGC
- Diversification
- Cards and debt
- 50/30/20 rule
- Compound interest
- Inflation
- Retirement by life stage
Educational content. Not investment advice.
Read: how big should your emergency fund beLesson 3 of 18 · Emergency fund
Your ideal emergency fund
R$ 18,600
Today you have 2.4 monthsof 6 months
In your case
Variable income and 1 dependent: aim for 6 months of essential spending (R$ 3,100 a month).
Quiz · 3 questions
Otto's Tip
Saving R$ 450 a month, you get there in 2 years.
Otto KidsNew
Kids learn money by playing
A kids mode inside Otto, set up and controlled by parents. Allowance, jars, dreams and missions teach children to save, spend wisely and give.
- Piggy bank with 3 jarsSave, Spend and Give: the allowance arrives already split.
- Automatic allowanceAmount and day set by parents, never forgotten.
- DreamsA jar that fills with every coin saved.
- MissionsAgreed chores that earn coins.
- Bite-sized lessonsQuizzes with stars and Otto cheering along.
Hi, Lia!
Save
42
Spend
18
Give
6
Dream: a bike
65 of 100 coins
Make the bed+5 coins
Built so parents can relax
- Created and controlled by a parent, with consent (LGPD)
- No child login
- No ads
- No AI chatting with the child
- No bank data
- Leaving Kids mode requires the parent's biometrics
Security and privacy
Your money stays put. Otto only reads.
Your bank connection runs on Open Finance Brazil, regulated by the Central Bank of Brazil. You authorize it inside your own bank and can revoke it anytime.
No bank passwords
You authorize inside your bank. No banking password ever goes through Otto.
Read-only
Otto cannot send Pix, pay bills or move money.
Biometrics and hidden amounts
Unlock with fingerprint or face and hide numbers with one tap.
Encryption and isolation
HTTPS traffic and data isolated per group in the database.
You are in control
Disconnect a bank or delete your account and data right in the app.
No ads, ever
We do not sell data and never use your finances for advertising.
Plans
Free to start. Premium when you want more.
Download for free and use it with no ads. Otto Premium is an optional monthly or yearly subscription with a 7-day free trial.
Free
Free- 1 connected bank
- AI categorization
- "Can I spend?" 5 times a month
- Chat with Otto 10 times a month
- Otto's Tip
Otto Premium
7 days free- Unlimited banks
- Bank notification capture
- Unlimited "Can I spend?" and chat
- Couples mode and Otto Kids
- All lessons
- Recurring payment alerts
- Widgets
Monthly or yearly · price shown in the store · cancel anytime
FAQ
Frequently asked questions
What is Otto Finanças?
Otto Finanças is a personal finance app for Android, free to download and use, with an optional Otto Premium subscription. It connects your Brazilian bank accounts and cards through Open Finance, categorizes spending with AI and tells you whether you can afford a purchase. No ads, and it does not sell data.
How do I track my spending with Otto?
Connect your accounts through Open Finance, let Otto categorize every transaction and set a limit per category. It warns you before a budget runs out, reminds you of upcoming bills and shows where the month's money went.
What is Open Finance?
Open Finance Brazil is the Central Bank regulated system that lets you share your banking data between institutions, only with your consent. In Otto, you authorize it in your bank app, access is read-only and you can revoke it at any time.
How do I build an emergency fund with Otto?
Otto suggests an ideal emergency fund amount based on your spending history, tracks contributions and shows your bank savings pots alongside your savings. "Can I spend?" respects what you set aside.
Is Otto free? What does Premium include?
Otto is free to download and use, with no ads. The Free plan includes 1 connected bank, AI categorization, "Can I spend?" 5 times a month, chat 10 times a month and Otto's Tip. Otto Premium, monthly or yearly with a 7-day free trial, unlocks unlimited banks, notification capture, unlimited "Can I spend?" and chat, couples mode, Otto Kids, all lessons, recurring payment alerts and widgets. The price is shown in the store.
What does Otto teach about money?
Otto has 18 short lessons with quizzes on emergency funds, life insurance, pensions (PGBL vs VGBL), investing (CDI, Treasury, FGC and diversification), cards and debt, the 50/30/20 rule, compound interest, inflation and retirement. Each lesson uses your profile and your numbers and ends with "in your case". It is educational content, not investment advice.
What is Otto's Tip?
A short daily tip chosen from your profile and your real spending, shown in the app, in the chat and in the home screen widget.
What is Otto Kids?
Otto's financial education mode for children: a piggy bank with three jars (Save, Spend and Give), automatic allowance, dreams with a jar that fills up, missions that earn coins and bite-sized lessons with quizzes and stars. It is part of Otto Premium.
Is Otto Kids safe for children?
Yes. Kids mode is created and controlled by a parent, with their consent (LGPD). The child has no login, sees no ads, does not chat with AI and has no access to bank data. Leaving Kids mode requires the parent's biometrics.
Is it safe to connect my bank?
The connection uses Open Finance Brazil, regulated by the Central Bank. You authorize it in your bank app without giving Otto any password, and access is read-only. You can revoke it anytime.
Which banks are supported?
Brazilian institutions participating in Open Finance, including major digital and traditional banks, personal and business accounts and credit cards. You can also import CSV or XLSX files.
How does notification capture work?
It is optional and Android-only. If enabled, Otto reads only notifications from a closed list of bank apps to log purchases and Pix instantly. Other apps are never read.
Does the AI see my data?
To categorize and answer, transaction descriptions, totals and your questions are processed by contracted AI providers, without bank credentials and only to provide the service. Answers are educational, not professional advice.
Can I use it with my partner?
Yes. Invite them to your group and each person chooses, account by account, what the other can see. Couples mode is part of Otto Premium.
Is there an iPhone version?
Not yet. Otto is available on Android via Google Play and the iPhone version is on its way. Email us to join the waitlist.
How do I delete my account?
In the app, go to Settings and tap Delete my account, or ask by email. Data is erased within 30 days.
Ready to sort out your money?
Download Otto, connect your bank in minutes and see where every real goes.
Free to start · no ads · 7-day Premium trial