Room to breathe until payday
Open your bank app without the knot in your stomach. Ottr plans your money payday to payday, sets repeating bills aside first, and shows one calm number in AED: what is safe to spend.
See how your safe-to-spend number adjusts in real time
Unlike calendar-month trackers that reset on the 1st, Ottr anchors to the day your salary lands, locks upcoming bills first, and recalculates your daily AED pace after every SMS.
“You’re AED 290 ahead of your dining pace this cycle. Want to move AED 200 into your Emergency Cushion goal?”
Tracked from bank SMS. Built around your actual payday.
In the UAE, every card tap and transfer triggers an instant bank SMS. Ottr reads those notifications on your phone, converts foreign currencies into AED, and locks repeating bills inside your pay-cycle plan.
Instant SMS capture with smart categories and multi-currency
Whether it’s morning coffee in Dubai or a hotel bill in EUR or GBP, Ottr captures the SMS on-device, categorises the merchant, and converts foreign spend to AED—without ever asking for your bank login.
Every card tap, bill payment, and transfer is parsed on your phone the second the SMS arrives.
Travelling or paying international subscriptions in USD, EUR, or GBP? Ottr shows the true AED impact immediately.
Groceries, cafes, utilities, and transport sort themselves automatically without manual spreadsheet entry.
One tap analyses your past 6 pay cycles on-device to suggest realistic category budgets in AED.
Auto-detected repeating bills stay ring-fenced so mid-month spending never eats into rent or utilities.
Set aside flights home, emergency cushions, or annual expenses right at the start of your pay cycle.
Payday to payday, with repeating bills already set aside
When your salary lands on the 25th or the 28th, Ottr builds category budgets from your last 6 pay cycles, sets aside utilities, telecom, and rent, and tracks your savings goals so you know what is genuinely left.
Meet Otto, the AI money coach you can ask anything
Ask Otto about your own spending in plain English. Otto proposes budgets and savings goals from your real numbers—and never changes anything unless you tap Apply.
Coaching without judgement
Whether you want to build a pay-cycle budget from the last six months, check why groceries ran higher this week, or set up a savings goal for flights home, Otto answers from your own spending history.
Every proposal has an explicit Apply button so you stay 100% in charge. And because AI can make mistakes, Otto always carries a transparent “AI money coach · can be wrong · no investment advice” label.
One calm check-in at 9 pm
No noisy alerts while you’re working. Every evening at 9:00 pm, Ottr sends one quiet summary of what you spent today and how your pay-cycle budget and savings goals stand.
Today’s wrap: AED 215 across 3 purchases
You stayed AED 170 under today’s pace. AED 14,464.42 remains safe to spend until your 25 Nov payday, and your AED 1,000 cycle savings goal is set aside.
A little breathing room starts here
Leave your email and tell us which features would make Ottr part of your month. Pick up to three, so we build the right ones first.
- Budget from payday to payday
- Bills set aside before you spend
- One calm summary at 9 pm
- Otto suggests, you decide