Save 20% of every paycheck automatically.
Start free. Upgrade when you want bank sync, an AI advisor, and your investments in one place.
Everything you need to start budgeting.
- Unlimited manual accounts & transactions
- Goals & savings allocation
- Spending breakdown & budgets
- Automatic bank sync
- AI advisor & insights
Automatic bank sync and an AI advisor.
- Everything in Free, plus
- Connect up to 3 bank accounts
- Automatic sync & categorization
- AI advisor: 20 chats a month
- 10 AI insight refreshes a month
- Investment tracking
The full picture, investments and all.
- Everything in Standard, plus
- Connect up to 10 bank accounts
- Unlimited AI chats & insights
- Text your AI assistant on Telegram
- Daily digest of your spending, sent to Telegram
- Investment tracking & net worth
- Priority support
30-day money-back guarantee on all paid plans. If it's not for you, we refund every cent.
No commitment · cancel anytime · bank-grade encryption on every plan
Payments secured by Stripe · Apple Pay, Link, and all major cards accepted
“I had my accounts in and a budget set up in maybe ten minutes. I kept waiting for the annoying part and it never came.”
Matt · otterfund user
“Being able to just text it 'how much did I spend on food this month' and get a real answer changed how often I actually check my budget. Which is to say, I actually check it now.”
Alexander · otterfund user
“I used to have my checking, credit cards, and savings goals scattered across three apps. Seeing my whole net worth on one screen was the thing that made it stick.”
Ibrahim · otterfund user
“I ran my budget in a spreadsheet for years and told myself it was fine. otterfund does everything my sheet did, plus the parts I always meant to build and never did.”
Jay · otterfund user
Compare plans, feature by feature.
| Feature | Free | StandardMost popular | Pro |
|---|---|---|---|
| Manual accounts & transactions | Unlimited | Unlimited | Unlimited |
| Goals & savings allocation | |||
| Spending breakdown & budgets | |||
| Bank connections | Up to 3 | Up to 10 | |
| Automatic sync & categorization | |||
| AI advisor chats | 20 a month | Unlimited | |
| AI insight refreshes | 10 a month | Unlimited | |
| Investment tracking & net worth | |||
| Telegram advisor | |||
| Daily digest on Telegram | |||
| Priority support |