Your AI-powered debt advisor.

With balances and interest rates at an all time high, making smarter decisions around your debt is critical. Otto analyzes your debt and provides payment recommendations on how to get out of debt faster.

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All your accounts, perfectly organized in one place.






Take control of your debt, for good!

Make better decisions with everything you owe in one clean dashboard. Monitor balances, interest rates, and due dates in real-time without logging into multiple websites and apps.

Try It For Free

Stop overpaying on your debt!

The average person pays over $150,000 in interest over their lifetime. Otto can save you thousands on your cards and loans. No refinancing, no debt consolidation. Just smarter payments.

Always pay the perfect amount.

Say goodbye to spreadsheets and guesswork. Follow proven strategies and we’ll recommend the most efficient payment for each account. Built to save you thousands and grow your credit score.

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Monitor and grow your credit score.

Improve your chances to rent a house, lease a car, get a loan and much more. Get all the tools and resources you need to improve your credit score.

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Get started in minutes

Signing up is fast and easy with no impact to your credit score. No risks, only upside!


Serious security

We use bank-level encryption to ensure your data is protected and we never touch your money.


Pay what's fair, even $0

Otto is 100% free to use with a premium subscription for some features - you set the price!

Common questions

What is Otto?

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Imagine a world where your bills are automatically paid off in the optimal way to save you hundreds every year and get you debt-free 2-3x faster. Our mission is to make that a reality.

Otto is a financial health platform that combines debt management with tailored recommendations to help people save on interest, improve their credit score, and become debt-free faster.

What is the connection to Qoins?

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As you are likely aware, the Qoins app closed down on June 4, 2023. We know they had many issues during their closing and we are in no way connected to them or their decisions during that time. We were saddened to see the fallout between SouthState and Qoins and are trying to step up as an alternative.

If you want to give us a try, you'll get a 50% discount to our premium offering, Otto+, to help offset any new financial stressors you may be facing since their closure. We also have a free version you can try at no risk.

Key difference: Otto does NOT touch your money. We provide gudiance and recommendations only. We know how sensitive your money is so we're taking a different approach where we give you the tools, but you're in control to make the decision.

We hope you give us a try!
Use code QOINS50 at checkout if you wish to subscribe, or simply stick with the free tier. We're excited to welcome you to Otto!

Why does Otto exist?

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Let’s be honest, we’re all stressed about debt. Every month, we're juggling a staggering number of payments - each with varying due dates, APRs, and payment requirements. It can be very overwhelming. But it’s not just about making sure they get paid, it’s about paying them the right way. That small difference can save you thousands and shave years off your loans.That's where we come in.

‍Otto was designed around simple, proven financial practices that are well-known and documented. The problem has always been keeping up with it because it’s always need a lot of manual work. Otto removed the complexity, guesswork and manual intervention by automating this for you.

Otto is the first AI debt manager that recommends exactly how to allocate your monthly budget to give you the best outcome on your payments. With real-time updates that adapt to your shifting needs, you’ll always know what’s best based on your goals and financial situation.

How does it work?

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Otto takes a holistic approach to debt management by bringing all the most important information into one view and leveraging simple, proven strategies to help everyone understand, manage, and pay their bills in the most efficient way possible.

We start by centralizing everything you owe into one dashboard.
Using your credit profile, Otto securely collects all available debt information (mortgage, auto, student, personal, credit cards, etc.), simplifies it, and put's it into one easy-to-use app. There is no impact to your credit!

Access proven strategies, tailored just for you.
Once you have all your balances, interest rates, and due dates in one place, you select a strategy and a monthly goal that covers at least your minimum payments. Then using the monthly goal you set, we'll recommend exactly how much each account should get to save you the most money or improve your credit score. No more spreadsheets or guesswork.

Make payments and track progress with real-time updates.
With Otto, you can pay right within the app and never lose track of what you should be paying and when. All payments are made directly to your credit card or lender - Otto does not hold any money - so you can rest assured that when you make a payment, it will get there on time and without any fees.

What types of debt do you support?

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Otto can pay down credit card debt, auto loans, student loans, and mortgages, personal loans and medical debt. BNPL is just around the corner.

Are you a lender?

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Otto is not a lender and does not provide any loans or credit cards to help pay off debt. With Otto, you do not need to take on more debt to get you out of debt, we're focused on changing the way you pay through automation that is proven to save you money and get you out of debt fast.

We may, at times, recommend various providers who offer debt consolidation loans if that aligns with your goals and recommendations.

Will this affect my credit score?

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Otto only does a soft credit pull to gather your information and present it to you in a simple, easy-to-use app. There is no negative impact to your credit score.

How much does it cost?

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Otto is 100% FREE to sign up and to use our basic program to track and manage your debt.

We also offer a premium service, Otto+ for a small monthly subscription.
We aim to be super aligned with our members. So, our pricing is based on what YOU think is fair. It might sound crazy, but we think you should pay what you think is fair for Otto.

Businesses ultimately work for whoever pays them, and we work for you. We believe charging a fair price for a well-made product is among the most honest ways to run a sustainable business. We get to do the work we love, and you get the comfort of knowing that we’ll never sell your data or promote other companies’ products just to make a buck.