Free Mint alternative · AI budgeting app
The free budgeting app that splits every dollar for you.
Split every dollar across Needs, Wants, and Savings. otterfund does the math so you don't have to.
Free plan, no credit card · Bank sync from $10/mo billed yearly · See pricing
Three steps. That's the whole system.
Balances and transactions sync automatically.
Bank sync breaks? otterfund reconnects automatically, or import a statement and your budget keeps working. And unlike Mint, otterfund is funded by subscriptions, not ads, and your data exports any time.
Split your income the way that fits.
Pick a proven rule. otterfund tracks how each month lands against it.
The Classic: Half to essentials, a third to lifestyle, a fifth to savings.
Built to make money feel whole.
Everything otterfund does adds up to one confident picture of your money.
Every account, one net worth
Chequing, savings, credit, and investments add up to a single live balance.
Spending, made plain
Every transaction sorted into clean categories, so you see where it all goes.
Goals that fund themselves
Your monthly savings split across goals by priority, each with a finish date.
Insights, not lectures
Quiet nudges drawn from your own numbers, written in plain language.
Text your advisor on Telegram
The same calm AI advisor, one message away in your chat app. Included with Pro.
Track subscriptions and recurring charges
Every subscription and recurring bill in one place, so nothing renews unnoticed.
Daily digest, automatically
A short morning summary of what moved: spending, goals, and anything worth a look.
Statement import, any time
No bank connection? Drop in a statement and your budget keeps working.
Works in any browser: Android, iPhone, Mac, Windows. No app store needed.
Budgeters who switched, in their own words.
“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
Budgeting questions, answered plainly.
How to start budgeting, save money every month, and allocate your income across Needs, Wants, and Savings, with otterfund doing the math.
What is otterfund?
otterfund is a free budgeting app that gives you one calm, confident picture of your money. It splits every dollar of income across Needs, Wants, and Savings, sorts your spending into clean categories automatically, and funds your savings goals by priority, with an AI advisor that turns your own numbers into plain-language insights.
How do I start budgeting with otterfund?
Connect your bank securely through Plaid or import a statement, pick a budgeting method like the 50/30/20 rule, and otterfund does the math. Your accounts, transactions, and net worth stay up to date automatically, so building a monthly budget takes minutes instead of a spreadsheet weekend.
How do I save money every month?
otterfund routes a set share of every paycheck into your Savings bucket, then splits it across your goals by priority: an emergency fund, a trip, a down payment. Because saving happens automatically before you spend, you save consistently each month without having to think about it.
How do I allocate my money across needs, wants, and savings?
The simplest way to allocate income is a proven rule. otterfund supports the 50/30/20 rule (50% needs, 30% wants, 20% savings), 70/20/10 for high fixed costs like rent, 60/20/20 for steady savers, and an aggressive 50/20/30 split. Pick one and otterfund tracks how each month lands against it.
Is otterfund free?
Yes. otterfund is free to get started with no credit card required: unlimited manual accounts and the full Needs / Wants / Savings budget. Paid plans add automatic bank sync, the AI financial advisor, and investment tracking when you want them.
Does otterfund use AI?
Yes. otterfund's AI advisor reads your own spending and savings patterns and offers quiet, plain-language nudges, never lectures. It helps you see where your money goes, spot wins worth keeping, and stay on track toward your goals.
Is my financial data secure?
Yes. otterfund uses bank-grade 256-bit encryption, connects to your bank through Plaid (the same secure network trusted by major finance apps), and encrypts your access tokens at rest. Your data is private by default and never sold.
What happens if my bank connection breaks?
If a Plaid connection drops, otterfund reconnects automatically. You can also import a statement any time as a fallback, so your budget never stops working even if a sync hiccups.
Is there an iPhone or Android app for otterfund?
otterfund ships as an installable web app (PWA). Open it on your iPhone or Android phone, add it to your home screen, and it runs full-screen like a native app, with the same account everywhere. There is no App Store or Play Store download today; it works in any modern browser on phone, tablet, and desktop.
Will otterfund shut down like Mint did?
otterfund is funded by its paid subscriptions, not by ads or by selling your data, so the product you pay for is the business itself. And your data is never locked in: you can request a full export of everything linked to your account at any time from Settings, and the free plan keeps working manually even without bank sync.
What does otterfund not do?
otterfund is a personal budgeting app and it stays in that lane. It does not support shared budgets for couples or teams, it does not pay bills or move money between your accounts, and it does not give regulated investment advice. Automatic bank sync, the AI advisor, and investment tracking are paid features; the free plan is unlimited manual accounts plus the full Needs, Wants, and Savings budget.
Is otterfund for couples or teams?
No. otterfund is built for individual budgeters, not couples or teams sharing a budget. If you need shared accounts or split budgets, Monarch or YNAB's shared subscription may fit better. If you budget on your own, otterfund keeps everything in one calm, personal picture.
What budgeting methods does otterfund support?
otterfund supports popular budgeting frameworks including the 50/30/20 rule, 70/20/10, 60/20/20, and an aggressive saver split, all built on the Needs, Wants, and Savings model so you can find the plan that fits your income.