See your financial future before it happens.
Connect your accounts once. Otissimo will help build your budget within minutes. Then you will automatically see your running balance twelve months out — every bill, every paycheck, every credit card cycle, on the day it actually lands.
30-day free trial at launch · Read-only bank connections · No card required
Setup takes about ten minutes
Three steps, then it keeps itself current.
STEP 01
Connect your accounts
Link checking and credit cards through Plaid. Otissimo reads up to two years of history and builds a list of every bill and income source it can find.
STEP 02
Confirm what it found
Review the bills and paychecks Otissimo detected. Confirm, correct, or reject each one. You're done in a few minutes, and nothing is assumed on your behalf.
STEP 03
See the whole picture
Your budget, your month, and a running balance twelve months out. As real transactions post, Otissimo matches them to what it predicted — so the forecast stays honest instead of drifting.
Why other tools miss it
Most tools show you half the picture.
Knowing where your money went matters. Otissimo does that — and it goes further, showing you mid-month whether you're tracking over or under while there's still time to act.
But the harder question, the one that changes what you do this week, is where your money is going.
And the thing that breaks most forecasts is credit cards. Your mortgage leaves checking on the 1st. Your groceries hit a card many times a month but don't leave your account until the statement is paid weeks later. Most tools flatten that into a monthly average, which is why their numbers never quite match your bank.
Otissimo models the actual cycle. Statement periods, what's accumulating on each card, when the payment lands. So the balance you see on any given day is the balance you'll actually have.
Illustrative. Your ledger is built from your own accounts.
Everything in one place
Built for households with real complexity.
Two incomes, a mortgage, a few cards, a couple of loans, and a dog who needs his shots in October. All of it, on one timeline.
Dashboard
Net worth, monthly cash flow, retirement progress and where the month is heading — at a glance.
Spend Analyzer
Where you're under, on, or over budget, with the history behind each number.
Upkeep
Vet visits, HVAC service, car maintenance. The costs that aren't monthly but always arrive — planned into your forecast instead of surprising you.
Goals
Set a target, see the monthly number, and watch what it does to your cash flow before you commit to it.
Loans
Amortization schedules, plus what-if modeling on paying down early.
Assets
Everything you own, tracked alongside what you owe.
Retirement
Where you stand today, and where your current contributions actually take you.
Ask Otissimo
Questions about your own numbers, answered from your own data — with a source shown for every figure.
One plan
Everything included. No tiers to decode.
$9.99 / month
or $99.99 billed annually — two months free
30-day free trial- Unlimited account connections
- Balances and transactions sync nightly
- Twelve-month running balance forecast
- Credit card cycles, statements and envelopes
- Posted transactions matched to what was planned
- Upkeep, Goals, Loans, Assets and Retirement
- What-if scenarios: job change, new home, new car
- Ask Otissimo about your own numbers, any time
Your data
Read-only, and never for sale.
We can't move your money
Connections are read-only. Otissimo can see balances and transactions. It has no ability to initiate a transfer or payment, by design.
We never see your credentials
Your bank login goes to Plaid and your bank, never to us. We receive account data, not passwords.
No ads, no data sales
You're the customer, not the product. Your financial data is never sold, and never shared with advertisers.
Know what's coming.
We'll email you when it opens. Nothing else.