Master your money with Otterstate
Turn raw transactions into spending insights, predictive budgets, and a holistic health score. Otterstate keeps every account, card, and wallet in lockstep.
- Real-time spending insights
- Predictive budgets
- Financial health scoring
Brendon: Hey Otterstate, I overspent on dining this month. How do I rebalance without pausing my savings plan?
Otterstate: Move RM400 from ad-hoc spending into Dining, trim weekend delivery orders to twice a month, and keep your savings automation untouched. You’ll be back on track in 9 days.
Otterstate also found a duplicate charge from RideX yesterday. Tap to dispute in the app.
Accounts connected
10k+
Avg. savings
28%
AI recommendations
1.4M
Empower your finances
Experience AI-powered insights in every workflow
Bento-style tiles guide you from raw transactions to actionable recommendations without leaving the page.
Real-time Spending Analysis
Track every transaction instantly and surface unusual purchases the second they happen.
Predictive Budgeting
AI reshapes your budget every day so your plans match your lifestyle, not the other way around.
Behavioral Insights
Understand the habits that drive your finances and get nudges before you overspend.
Holistic Health Score
A single score blends cash flow, savings, and goals so you always know where you stand.
Guided setup
Connect your accounts in under 2 minutes
Secure OAuth flows, built-in dispute protection, and realtime sync keep Otterstate fresh without manual uploads.
Transform your finances
Join thousands of operators optimising their money stack with AI.
Spend smarter, save faster, and keep every penny accountable.
Tailored for your financial success
Every recommendation adapts to your goals, spending personality, and appetite for risk.
Custom Budget Optimization
Budgets flex around your routines, income spikes, and responsibility shifts—no more spreadsheets.
Behavioral Spending Insights
Identify the moments you overspend and replace them with smarter habits guided by AI prompts.
Savings Auto-pilot
Stack rules that sweep spare cash into goals as soon as it’s safe to move funds.
Bank-grade Security
Encryption, tokenised connections, and audit trails keep every credential locked down.
FAQs
Frequently asked questions
Everything you need to know about Otterstate’s finance copilot.
What is Otterstate?+
Otterstate is an AI-powered finance copilot that transforms raw transactions into insights, predictive budgets, and an actionable health score.
How does the AI analyse my spending?+
We categorise every transaction, learn behavioural patterns, and run predictive models to surface cash-flow risks before they hit.
Is my financial data secure?+
All connections use bank-grade encryption, zero credential storage, role-based access, and auditable sessions.
How many accounts can I connect?+
Connect checking, cards, investments, crypto wallets, and more—over 10,000 institutions via secure APIs.
Is there a free version?+
Yes. The personal tier tracks two accounts, generates weekly insights, and gives you a starter health score.
How do I join the waitlist?+
Tap any “Join Waitlist” CTA and drop us the email you’d like on the invite roster. We reply with onboarding instructions within one business day.
Budget. Optimize. Prosper.
Start your free financial journey today
No credit card required, upgrade anytime.