Bookkeeping Taxes Invoicing Pricing Start free
Built for self-employed creatives

Stop dreading
tax season.
Otto handles it.

Bookkeeping, taxes, invoicing, and contracts — all connected, all running on AI with real humans double-checking the work.

Free to start. No credit card. No accountant required.

Start free today See how it works
PKS+
Trusted by 10,000+ creative entrepreneurs
Tax savings this year
$5,240
↑ $1,100 more than last year
Hours saved
10h
per month
Books status
Up to date
Q3 estimated tax
$2,180
Due Sep 15 · Set aside automatically
Free tier up to $25K/year
Real bookkeepers verify AI work
SOC-2 security (in progress)
14-day free trial on paid plans
Cancel any time
$5,000+
Average annual tax savings per user
10 hrs
Saved on admin every month
100%
Of users feel more in control of their money
Everything in one place

Your whole financial life, finally connected

Otto replaces your bookkeeper, tax preparer, invoicing tool, and contract software — and keeps them all talking to each other.

Bookkeeping

AI does the work. A real expert checks it.

Otto auto-categorizes your transactions in about 30 minutes. Then a human bookkeeper reviews everything before it hits your books. You get the speed of AI with the accuracy of a professional — without paying $500/month for one.

Preston T., Creative Producer: "Real-time insights have been incredible for cash flow management. The team is extremely on top of everything."
Explore bookkeeping →
Recent transactions
Adobe Creative Cloud$54.99Software
Lens rental — photoshoot$180.00Equipment
Client payment — Smith Co.+$3,200Income
Coffee meeting$18.40Meals
Taxes

No more surprise tax bills in April.

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.

Emma W., Event Photographer: "I got hit with a $4,200 bill last April. Since switching, I know exactly what I owe every quarter."
Explore tax tools →
Q3 Tax summary
Estimated owed$2,180
Deductions found$8,340
Set aside so far$2,180On track
Due dateSep 15
Invoicing

Send it. Track it. Get paid 30% faster.

Create professional invoices in seconds, set up automatic payment reminders, and track exactly who's paid and who hasn't. Payments sync to your books in real time — no manual entry, no reconciliation headaches.

Alex R., Social Media Manager: "I was sending invoices to 11 clients manually. Otto cut that to about 10 minutes a month."
Explore invoicing →
Invoice tracker
Design retainer — MarchPaid
Brand strategy — Acme Co.Overdue 3d
Photography — Spring eventSent
Reminder sent automatically↗
Contracts

150+ templates built for how you work.

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.

Explore contracts →
Contract status
Brand identity projectSigned
Photography retainerSent
Linked invoice$4,500 →
Start free

Try it before you pay for anything.

Free tier covers up to $25,000 in annual transactions. Upgrade when you're ready — no pressure, no hard sell.

  • AI bookkeeping with human review
  • Unlimited invoices
  • Basic tax tracking and deduction finder
  • 5 contract templates
  • Real-time financial dashboard
Start free today

No credit card needed. Upgrade or cancel any time.

Already making more than $25K? 14-day free trial on all paid plans. See everything, risk-free.

Start 14-day trial
From real users

What creative entrepreneurs actually say

★★★★★

"Otto's real-time insights have been incredible for cash flow management and decision-making. The platform is user-friendly, and the team is extremely on top of everything."

P
Preston Tietjen
Creative Producer & Founder
★★★★★

"Keeping my finances stable is crucial, and Otto helps me earn more and pay less in taxes. With its focus on creatives, I keep more of what I earn."

K
Kai Byrd
Photographer, Creative Director
★★★★★

"Otto gets what creative businesses need — simplicity, speed, and no distractions. I stopped dreading the financial side of my business."

C
Cali
Founder, Sorry Dad Co.
Common questions

Things people ask before signing up

Is the free tier really free? What's the catch?
The free tier covers up to $25,000 in annual transactions — no credit card required, no trial period. If your business grows past $25K, you upgrade to a paid plan. That's the only catch.
How does AI bookkeeping actually work? Will it get things wrong?
Otto auto-categorizes your bank transactions in about 30 minutes using AI trained on creative business expenses. Then a human bookkeeper reviews every categorization before it goes into your books. You get the speed of AI with a human safety net — nothing is finalized until a real person checks it.
I already have a CPA / bookkeeper. Why would I switch?
Most Otto users either replace a $500/month bookkeeper (and save $4-5K/year) or upgrade from doing it themselves with a spreadsheet. If you have a great CPA relationship you want to keep, Otto's books are IRS-ready and export cleanly for your CPA at tax time — many users keep their CPA for advice and use Otto for the day-to-day.
I'm just starting out. I don't have an LLC or entity yet. Can I still use Otto?
Yes — and Otto can help you set one up. Otto files LLCs and S-Corps, opens a Mercury business bank account, and handles registered agent and annual renewals. Many users start as sole proprietors and form an entity through Otto when the time is right.
Is my financial data safe?
Bank-grade encryption, role-based access controls, continuous monitoring, and annual security audits. SOC-2 Type II certification is in progress. Your data is never sold or used to train AI models.
Ready when you are

Your finances shouldn't
feel like a second job.

Start free today. No credit card, no accountant, no stress. Otto handles the money stuff so you can focus on your work.

Start free today

Free tier covers up to $25K/year. Upgrade when you're ready.