Your money, in balance.
Split every dollar across Needs, Wants, and Savings. otterfund does the math so you don't have to.
Free to get started · No credit card required
Three steps. That's the whole system.
Balances and transactions sync automatically.
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.
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 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.