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

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

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.

How accuracy actually works

1. AI categorizes your transactions in ~30 minutes

2. A real bookkeeper reviews every single category — nothing is final until they approve it

3. You get notified when your books are ready to review

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."

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."

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."

Cali

Founder, Sorry Dad Co.

Under the hood

How the AI + human
combination actually works

Every Otto plan includes both. Here's exactly what happens to your books.

⚡

Step 1 — AI

Categorizes in ~30 min

Otto's AI reads your bank and card transactions and categorizes each one — equipment, software, meals, client payments — based on patterns from thousands of creative businesses.

👤

Step 2 — Human

Bookkeeper reviews everything

A real Otto bookkeeper — not a bot — reviews every categorization before it finalizes. They catch mismatches, ask clarifying questions, and fix anything the AI got wrong. Nothing posts until a human approves it.

✅

Result

Books you can trust

Tax-ready books every month. No shoebox of receipts. No surprise corrections from your accountant. Your P&L, cash flow, and deductions are accurate and up to date — verified by a human who knows creative businesses.

✓ Bookkeeper responds within 1 business day

✓ You're notified when books are ready

✓ Ask your bookkeeper questions any time via chat

Simple pricing

Less than you're paying now.
More than you're getting.

Most users replace a $500/month bookkeeper or a $400/year tax preparer. Otto does both.

Free

Up to $25K/year revenue

✓ AI bookkeeping

✓ Unlimited invoices

✓ Basic tax tracking

✓ 5 contract templates

— Human bookkeeper review

— CPA access

Start free

What you're paying for	Typical cost	Otto Pro ($49/mo)
Monthly bookkeeper	$300–$600/mo	Included
Tax prep (annual)	$400–$900/yr	Included
Invoicing software	$20–$50/mo	Included
Contract tool	$30–$80/mo	Included
Total	$500–$800/mo	$49/mo

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.

What tools and banks does Otto connect to?

Otto connects to 10,000+ banks and credit unions via Plaid, including Chase, Bank of America, Wells Fargo, Mercury, and most major institutions. On the payments side: Stripe, PayPal, Square, Venmo, HoneyBook, Fiverr, and Upwork. Setup takes about 5 minutes — you link your accounts, and Otto starts pulling transactions automatically. No manual CSV uploads, no spreadsheets.

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.

Stop dreadingtax season.Otto handles it.

Your whole financial life, finally connected

AI does the work. A real expert checks it.

No more surprise tax bills in April.

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

150+ templates built for how you work.

Try it before you pay for anything.

What creative entrepreneurs actually say

How the AI + humancombination actually works

Less than you're paying now.More than you're getting.

Things people ask before signing up

Your finances shouldn'tfeel like a second job.

Stop dreading
tax season.
Otto handles it.

How the AI + human
combination actually works

Less than you're paying now.
More than you're getting.

Your finances shouldn't
feel like a second job.