Bills and savings covered
One number, always up to date: what's safe to spend until payday, after bills and savings. Share it with your partner, or keep it to yourself.
No bank connection, on purpose. You log it, the app does the sums.
You log it. Otterbond does the thinking.
Type the expense. Open the app and it shows what you can spend today, until payday, with the bills still due and your planned savings already covered.
Rui logged the shop
Marta sorted it
The couple Marta and Rui
“How much did we spend at the supermarket?” “No idea. You?”
Opens the app
Rui logs the shop at the till. Marta sorts it into a category later, on the sofa. Next morning they both open the same number.
What answers it
One number you both trust
Two salaries, one rent, one daily Safe to Spend that already counts bills and savings. One of you logs, the other can categorize later, and the app flags what is still uncategorized.
Coffee added
Sums done
The spreadsheet person Tiago
“I have tracked every expense by hand for years. On purpose. I just want the sheet in my pocket.”
Opens the app
He types the coffee in on the bus. By the time he sits down at his desk, the sums are already done.
What answers it
Your sheet, with the maths done
No bank sync, no formulas to babysit. You type each expense, Otterbond adds it up and tells you what you can spend today. Share it with whoever needs to see it.
Bills covered
Lowest point marked
The until-payday person Beatriz
“I get paid on the 25th and I am tight by the 15th. Can I have dinner out tonight or not?”
Opens the app
Friday, 7pm. She opens the app, sees there is room today, and books the table. Rent still lands on the 1st.
What answers it Plus
The daily number, counted to payday
One figure for today, after the bills still due and your planned savings, counted down to your payday. If it says you are short, slow down. On Plus, the timeline marks the lowest point before it happens.
Get there 22 months earlier
About €6 less a day
The saver with a date Sofia
“I do not want someday. I want a month and a year.”
Opens the app
She drags the slider up and watches her date move months closer.
What answers it Plus
A fund with a date, and a what-if slider
Set a target date and a monthly amount, and Otterbond shows when you will get there. On Plus, slide the amount to see how many months earlier you arrive, and what it costs you per day.
IRS and Social Security
Net income at a glance
The freelancer on recibos verdes Nuno
“The invoice says 1,000. How much of it is actually mine?”
Opens the app
Invoice paid. He runs the recibos verdes calculator, sets a monthly amount for taxes on a savings fund, and his daily number subtracts it until he records the deposit.
What answers it
Know what is yours, then plan the rest
IVA, IRS and Segurança Social take a share of every invoice. The free calculator shows how much. Add it as the monthly amount of a savings fund and your daily number subtracts it until you record the deposit. Log invoices as they are paid and the number adjusts.
Built for Portugal first: set your own payday, and the tax calculators follow our rules.
See all eightPersonas are illustrative, not real customers. The screens are the app's real layouts with sample numbers, replayed as a demo (the app itself doesn't animate like this).
How it works
Plan the month
Income, fixed and recurring expenses, all visible to both of you in the same space.
Log as you go
No waiting on the other person, no "how much did you spend at the supermarket?" texts.
Check your number every morning
Safe to Spend already accounts for the bills still due and your planned savings, so you know at a glance what's actually free to use.
Lock the month and get your wrap
Close the month and get a six-card story: what came in, where it went, and what you saved.
Simple pricing
Everything you need to plan a month together is free. Plus adds the detail behind your number.
Free
€0
- Budget, bills and savings funds
- Safe to Spend daily number
- Month wrap when you lock a month
- 2 workspaces (personal + shared), up to 2 people each
- Current and next month
- Choose from 10 currencies
- Friends and quick invites
- Ideas board: vote on what we build next
Plus
€2.99 /month
15-day free trial (card required, once per person)
- Everything in Free
- Full timeline, budget pace and smart insights (price changes, duplicate charges and more)
- Full month reports for every month
- Savings what-if slider
- 5 workspaces, up to 5 people each
- Plan up to 24 months ahead
Purchases happen on the web. No app-store markup.
Free tools: net salary, recibos verdes, IRS, pension, FIRE and more
Frequently asked questions
Who is Otterbond for?
Couples and people who live together who want to plan and track money as a team. It also fits solo budgeters: freelancers on recibos verdes, people counting the days to payday, savers with a date, and anyone who would rather type an expense than connect a bank.
See who it is forWhat is Safe to Spend?
It's the one number Otterbond shows you when you open the app: your balance minus the bills still due before payday, the savings you've planned this cycle and any amount you keep aside, spread over the days until payday. It updates as you log expenses and as payday gets closer. Set your payday and confirm your balance to see it.
Why is there no bank connection?
Because you don't need to hand anyone your bank login to know what you can spend. You log expenses yourself, which takes seconds, and Otterbond does the sums. There are no bank credentials to leak, no sync to break, and nothing nagging you to connect an account.
Is Otterbond free?
Yes, the core of Otterbond, budgeting, bills, savings funds, and your daily Safe to Spend number, is free. Plus is an optional paid tier for people who want the detail behind that number.
What's in Plus?
The timeline, pace and insights behind your Safe to Spend number, full month reports for every month, the savings what-if slider, five workspaces instead of two (with up to five people each), and planning up to 24 months ahead. The 15-day trial needs a card and is granted once per person.
See pricingCan I share a budget with someone else?
Yes. Keep a personal budget private, or share a workspace with your partner as an Editor (can add and edit everything) or a Viewer (read-only). Invite anyone who already has an Otterbond account by email, or send an app invite if they don't yet; adding friends is optional. Uncategorized expenses, friend requests and workspace invites show up in the app's notifications. Free includes 2 workspaces with up to 2 people each; Plus includes 5 workspaces with up to 5 people each.
What currencies does it support?
Ten: EUR, GBP, USD, JPY, CNY, CHF, SEK, NOK, DKK and PLN. Each workspace tracks one currency (the owner can set it for everyone), and switching currency relabels your numbers without converting them.
Do I need a password?
No. Sign in with a one-time code sent to your email instead.
Is my data sold or used for ads?
No. There is no advertising and no data-selling, and no third-party analytics or ad trackers. Error reports go to Sentry, and first-party usage stats are kept for 90 days. The details are in the Privacy Policy.
Read the Privacy PolicyWhen can I actually use it?
The web app is live today, free to use right in your browser. The iOS and Android apps are still in progress. Join the waitlist and we'll email you the moment either is ready.
One app, one number, both of you.
iOS and Android are almost here
Leave your email and we'll let you know the moment Otterbond lands on the App Store or Google Play. One email, no spam.
Already using Otterbond on the web? You're all set, this waitlist is just for the iOS and Android apps.