Otto
Meet Otto

An extra pair of eyes on your money.

Otto quietly watches your bank accounts, invoices, billing and spend. When something deserves your attention, it tells you. Otherwise, it stays out of the way.

Join the private beta → See Otto in action →
  • Built for founder-led companies
  • Open banking + Xero first
  • Read-only. Never moves money.
Otto at his desk while your bank, Xero and Stripe pipe money data in, next to a glass tank showing your cash and runway
Works with the tools you already use + FreeAgent, GoCardless, payroll and more →
How it works

Like having a finance director check in every morning.

1

Connect your accounts

Link your bank through open banking, plus Xero or QuickBooks. Read-only, in a few minutes.

2

Otto learns your normal

How money usually moves in your business: when customers pay, what you spend, what recurs, and what runway looks like.

3

You hear about what matters

When something changes that deserves your attention, it appears in your Focus list, with what Otto thinks you should do.

Today

Know what deserves your attention.

No dashboards to read and no spreadsheets to update. Just a short list of what changed with your money, and whether you need to do anything about it.

Good morning, Max.

Here's what I've found across your money.

3things worth your attention
6things I'm quietly watching
£212kcash across 3 accounts
13 morunway at current burn

Focus today

3 things I think are worth your attention.

Cash
Runway
Worth a look

Spend has grown faster than revenue for three months. Runway is down from 16 to 13 months.

Suggested: review the three biggest increases.

Customer
Northwind
Worth chasing

£18,400 across two invoices, now 21 days overdue. They usually pay within 10.

Suggested: a friendly nudge to their finance team.

Supplier
AWS
Unusual spend

Your AWS bill jumped 38% in September, mostly from one new service.

Suggested: check it before it becomes the new normal.

Latest from Otto

Otto is already looking into things.

A payment that's later than usual, a bill that crept up, a month that looks different. Otto notices it, looks into it and keeps following it until it's resolved.

Otto doesn't just show you numbers. It follows threads over time.

  1. 11:20
    Looking into something

    AWS costs rose 38% this month. I'm checking which services changed and whether it lines up with your migration.

  2. 10:02
    Following up

    Northwind still hasn't paid. They're normally reliable, so this might just be an admin slip.

  3. 09:15
    Noticed

    Burn has outpaced revenue for a third month. I've recalculated runway: 13 months, down from 16.

  4. Yesterday
    Resolved

    The VAT payment cleared as expected. I've stopped watching it.

Ask about it

See something odd? Ask Otto about it.

Every conversation starts with the numbers already loaded. There's no need to export a CSV or explain which account you mean.

Runway

Worth a look
Otto
Runway has dropped from 16 to 13 months since June.
You
Why has it dropped?
Otto

Revenue is still growing, just not as fast as spend.

Three things explain most of the gap: two new hires in August, AWS up 38%, and a quieter month for new sales.

What would get us back to 16 months? Has this happened before? Keep watching this. This is expected.
Memory

Tell Otto something once.

The context that usually lives in your head, or your finance person's, stays with Otto. It uses it every time it looks at your numbers, and tells you when it no longer applies.

3 Oct
You
The AWS jump is the migration. We're running both setups until the end of November.
20 Oct
Otto
Still watching AWS. Costs are high, but that's consistent with the migration you mentioned. I haven't put this in your Focus list.
4 Dec
Otto
AWS is back on my list. The migration window has passed and costs haven't come down. It might be worth checking the old setup was switched off.
Watches

Tell Otto what you care about.

Say it in plain English. There are no rules to build, thresholds to set or alerts to configure.

Impact

Know when paying attention paid off.

Otto follows what it flags through to what happened next, so you can see what it was actually worth.

This quarter

£11,200
Collected sooner
Overdue invoices chased when Otto flagged them
£4,180
A year saved
Unused and duplicate subscriptions cancelled
£7,600
Avoided
Unexpected costs caught early
Estimated · attributed, not guaranteed

Collected and saved amounts come straight from your bank and accounting data. Avoided costs are shown separately, because nobody can be certain what would have happened otherwise.

Quiet by design

Otto doesn't need to tell you everything.

Almost every transaction is normal. Otto can notice something, look into it and decide it isn't worth bothering you about. Silence is part of the product.

412 transactions this week looked normal.
6 things I'm keeping an eye on.
3 things worth your attention.
Integrations

Start with the accounts you already have.

Otto connects to your bank through open banking and reads your books from Xero or QuickBooks. It matches transactions to invoices and bills, so you don't have to.

Where the cash is
  • Balances
  • Transactions
  • Direct debits
  • Standing orders
  • Card spend
  • Payees

What the books say

  • Invoices
  • Bills
  • P&L
  • Cash flow
  • VAT
  • Categories
Where revenue comes from
  • Payouts
  • Subscriptions
  • Failed payments
  • Refunds
  • Fees
Next up

What should Otto connect to next?

We'll build integrations in the order our beta founders need them. Tell us what you use when you join and we'll prioritise it.

Tell us your stack →

Payroll

Know what people really cost, month by month.

GustoDeelRipplingPayFit

Spend management

Spot card spend drifting before it adds up.

PleoRampSoldoSpendesk

Billing & collections

See who pays late, and who is about to.

GoCardlessChargebeePaddleRecurly

Accounting

Whichever ledger you keep your books in.

FreeAgentSageNetSuiteFreshBooks
Trust

Otto thinks.
You act.

  • Read-only access through regulated open banking providers.
  • Can't move money, pay bills or send invoices.
  • Never contacts your customers, suppliers or bank.
  • Observes, reasons, suggests and remembers. Every financial decision stays with you.

Know where your money's going. Get on with everything else.

We're opening Otto to a small group of founder-led companies first.

Join the private beta → Explore the demo →

Open banking + Xero or QuickBooks initially. We'll personally onboard the first cohort.