otterfund: the free AI budgeting app
otterfund is a free budgeting app and personal finance tool that does the budgeting for you. It splits every dollar of income across Needs, Wants, and Savings, keeps your accounts in sync, and turns your own numbers into plain-language insights.
A budget tracker that does the math
Most budgeting apps ask you to do the budgeting: assign every dollar, recategorize every coffee, feel behind by the second week. otterfund works the opposite way. Pick a proven budgeting method once, like the 50/30/20 rule, 70/20/10, or 60/20/20, and the app allocates your income automatically every month after that. Your monthly budget planner, savings tracker, and spending breakdown all stay current without a spreadsheet weekend.
Automatic bank sync and expense tracking
Connect your bank securely through Plaid and otterfund becomes an automatic expense tracker: transactions import and categorize themselves, subscriptions and recurring charges surface in one place, and your net worth updates live across chequing, savings, credit, and investments. No bank connection? Import a statement any time and your budget keeps working. It works with banks across Canada and the United States.
An AI financial advisor, not a lecture
The built-in AI advisor reads your own spending and savings patterns and offers quiet, plain-language nudges, never lectures. It answers money questions in chat, sends a short daily digest of what moved, and on Pro it is one message away on Telegram. Savings goals fund themselves by priority, so an emergency fund, a trip, or a down payment grows automatically before you spend.
Free to start, private by design
The free plan is a complete budget, not a trial: unlimited manual accounts and transactions, goals, and the full Needs, Wants, and Savings split, with no credit card required. Paid plans add automatic bank sync, the AI advisor, and investment tracking, so the product is funded by the people who use it, not by ads or by selling data. Payments run through Stripe, bank connections through Plaid, everything is protected with bank-grade 256-bit encryption, and your data is never sold. You can export or permanently delete your data and your account at any time. otterfund is built in Canada and works in any modern browser on Android, iPhone, Mac, and Windows.
Proudly built in Canada
otterfund is built by a small team in Canada. That shows up in the product: chequing accounts are called chequing, Canadian banks like RBC and TD connect out of the box alongside US banks, and money formats the way Canadians actually write it. If something breaks, or you just want to tell us what would make your budget calmer, the support inbox below lands with the people who build the product, not a ticket queue.
Questions? Write to support@otterfund.ai. We read every message.