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 a generic small business tool. Otto is trained on the expense patterns, invoice structures, and tax situations of self-employed creatives specifically.
Otto's AI is trained on 10,000+ creative business expense patterns. Your lens rental won't end up under "Meals."
Before-and-afters from six types of creative entrepreneurs. Find yours.
Spending Sunday afternoons reconciling in a spreadsheet. Missed three deductible equipment purchases because they were miscategorized. Got a $3,800 tax surprise in April.
"My bookkeeper caught a $340 lens purchase I had under Meals for four months, and a home office deduction I wasn't claiming at all. I haven't touched a spreadsheet since January."
First year freelancing, did taxes 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 know quarterly taxes existed until I got fined. Otto set up automatic estimates, tells me what to set aside each month. My second year was completely stress-free."
Brand deals, affiliate links, and YouTube AdSense all hitting different accounts. Couldn't figure out which income to report quarterly. Guessed wrong and got a $900 penalty.
"Otto pulls from all my accounts — PayPal, Stripe, even direct bank transfers from brands. Everything ends up in one place and my bookkeeper sorts it out. No more guessing what I owe."
Eight years freelancing with a patchwork setup — bookkeeper at $350/month, Wave for invoicing, Dropbox for contracts. $500/month total, still spending 2 hours a week on admin.
"My old bookkeeper made the same categorization mistake for almost a year and no one caught it. Otto's bookkeeper caught it in week one. The books are more accurate and I'm paying 90% less."
Selling ceramics on Etsy and at markets. Mixing personal and business spending on one card. No idea what she owed quarterly. Got to tax season and had no records to show.
"Otto knows the difference between art supplies and personal shopping. Materials, kiln fees, Etsy fees — all sorted automatically. I finally feel like a real business owner, not someone winging it."
First year tattooing independently. Cash, Venmo, Square — income everywhere. No idea what was deductible. Filed late because he couldn't figure out his numbers in time.
"Otto connected to my Square and Venmo and just... sorted everything. Needles, ink, my chair rental — all deductible, all tracked. I didn't even know I could deduct half of that stuff."
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.