Bookkeeping, taxes, invoicing, and contracts — all connected. AI handles the day-to-day. A real bookkeeper checks every entry before it goes in your books.
Free to start. No credit card. No accountant required.
Every Otto plan includes both. Nothing touches your books until a real bookkeeper approves it.
Otto replaces your bookkeeper, tax preparer, invoicing tool, and contract software — and keeps them all in sync.
Otto auto-categorizes your transactions. Your bookkeeper reviews everything before it posts. You get the speed of AI with the accuracy of a professional — without paying $500/month for one.
"I used to spend three hours every Sunday reconciling. Otto did my entire March in 28 minutes. My bookkeeper even flagged a lens rental I'd been categorizing wrong for six months — saved me $200 at tax time."
Otto tracks every deduction in real time, calculates your quarterly estimates, and tells you exactly what to set aside — so you're never caught off guard. CPAs on the team review your books quarterly and file your 1099s automatically.
"I got hit with a $4,200 surprise bill last April. Since switching to Otto I know exactly what I owe every quarter — I even set aside $2,100 ahead of the September deadline without thinking about it."
Create professional invoices in seconds, set up automatic payment reminders, and track exactly who's paid and who hasn't. Every payment syncs to your books in real time — no manual entry, no reconciliation headaches.
"I was invoicing 11 clients by hand every month. Different rates, different schedules, always chasing someone. Otto got that down to about 10 minutes a month and the automatic reminders cut my average collection time in half."
Industry-specific contract templates for photographers, designers, consultants, and more. Draft, send, eSign, and link directly to an invoice — all in one place. No lawyer required for standard project agreements.
"I used to send a Google Doc and hope for the best. Now I send a contract, it gets signed in 20 minutes, and the invoice is already attached. I've had zero payment disputes since I started using it."
Not summaries. Actual before-and-afters from creative entrepreneurs who switched to Otto.
Spending Sunday afternoons reconciling expenses in a spreadsheet. Missed three deductible equipment purchases last year because they were miscategorized. Got a $3,800 tax surprise in April.
"I haven't touched a spreadsheet since January. My bookkeeper caught two things I would have missed completely — a $340 equipment purchase and a home office I wasn't claiming. The peace of mind alone is worth it."
Eight years freelancing with a patchwork of tools — Wave for invoicing, a CPA for taxes, Dropbox for contracts. $520/month total, and still spending 2 hours per week on financial admin.
"I was paying a bookkeeper $350/month and Wave $30/month. Otto replaced both for $49. The books are actually more accurate now — my bookkeeper kept making the same categorization mistake and no one caught it for almost a year."
First year freelancing, doing taxes himself with TurboTax. Didn't know about quarterly estimates. Got hit with a $1,400 underpayment penalty on top of his April bill.
"I didn't even know quarterly taxes were a thing until I got fined. Otto set up automatic estimates, tells me exactly what to set aside each month, and my second year was completely stress-free. I should have started with this."
Free tier covers up to $25,000 in annual revenue. Upgrade when you're ready — no pressure, no hard sell.
No credit card needed. Upgrade or cancel any time.
Already making more than $25K? 14-day free trial on all paid plans, including human bookkeeper review.
Start 14-day trialMost users replace a $500/month bookkeeper or a $400/year tax preparer. Otto does both.
Start free today. No credit card, no accountant, no stress. Otto handles the money side so you can focus on the work.
Start free todayFree tier covers up to $25K/year revenue. Upgrade when you're ready.