Otto AI is modernizing Finance

Handle Tax, Invoices, and Contracts Without Stress

Send compliant invoices, create agreements, and file returns in minutes.

In Good Company
"Otto gets what creative businesses need—simplicity, speed, and no distractions."
Cali
Founder · Sorry Dad Co.
Entity Management

Start Your Business Journey Right

Quickly register as a sole trader or limited company. Understand your business structure clearly with our intuitive guides.

Explore Entity Management
Bookkeeping

Human-Led Bookkeeping, Enhanced by AI

Automatically categorise expenses for effortless HMRC compliance. Access support from experienced UK accountants whenever needed.

Explore Bookkeeping
Invoicing

Generate MRA-Compliant VAT Invoices

Otto AI helps you build VAT invoices that include TPIN, apply correct tax rates, and follow MRA guidelines. Issue professional invoices for consultancy or service work with zero formatting guesswork.

Create an Invoice
Contracts

Create Legal Agreements Instantly

Draft service agreements, contractor terms, or scope of work contracts with Otto AI. All documents support digital signatures and are built for stamp duty handling and standard legal formats.

Generate a Contract
Tax Forms

Automate VAT and Income Tax Filing

Prepare VAT returns (Form VAT 3), PAYE schedules, and income tax returns using pre-filled data. Otto AI ensures your withholding tax and provisional forms are ready for MRA e-filing.

File a Tax Form
Reporting

Simplify Reports with Auto-Generated Data

Otto AI turns invoices and tax forms into clear reports like VAT summaries, profit and loss statements, and income overviews. Designed for small businesses and creative professionals handling their own finances.

View Reports

Clear the clutter.

Otto is your all-in-one financial tool.

Otto AI is all you need
Taxes
Invoicing
Contracts
Reporting

Reviews are here.

Directly from our users—how Otto is changing the way creative businesses manage their money.

Preston Tietjen
Propietario de Negocio de Fotografía

"Real-time insights from Otto have been invaluable for managing cash flow and making decisions. The platform is easy to use, and the team is incredibly on top of everything."

Preston Tietjen, Creative Business Owner
favourite features
  • Expense Tracking
  • Generate Invoice
  • Organised
Sophia Yeshi
Creative Business Owner

"I'm excited to help Otto reach more creators because every creative deserves access to the tools and support they need to grow their businesses and focus on what they love—creating."

Sophia Yeshi, Illustrator and Designer
Creator’s favourite features
  • Expense Tracking
  • Organise Invoices
Kai Byrd
Creative Business Owner

"Keeping my finances stable is crucial, and Otto helps me earn more and pay less in taxes. With its focus on creatives, I keep more of what I earn, feeding my business and creativity."

Kai Byrd, Photographer, Creative Director
favourite features
  • Expense Tracking
  • Generate Invoice
  • Organised

$5,000+

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annual tax savings

10 hours

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monthly savings

100% of users feel more in control

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more in control with Otto AI

FAQs

What's free on Otto AI?

You can create VAT invoices, sign contracts, and access essential tax forms like Form VAT 3 and PAYE for free.

Is my financial data secure on this platform?

Yes. Otto AI uses secure encryption to protect your tax returns, business reports, and signed documents.

Does Otto AI support my local currency?

All invoices, reports, and forms are created in kwacha, with VAT fields and TPIN references structured per MRA rules.

Can I automatically create tax-compliant invoices?

Otto AI formats invoices with VAT rates, TPIN, and service descriptions to match official MRA invoice requirements.

How are eSignatures handled?

Contracts can be signed online using digital signatures that follow accepted local business documentation practices.

What types of reports can the platform generate?

Otto AI generates income statements, VAT summaries, and PAYE breakdowns to simplify filing and planning.

Can I use Otto AI in my native language?

Otto AI templates are in clear English, aligned with local tax and business form standards.

Does it integrate with payment platforms?

Yes. Otto AI connects to supported platforms for syncing payments with your invoices and reports.

How do I get started with Otto AI?

Sign up, enter your TPIN if available, and immediately begin creating invoices, contracts, and tax documents.

Is Otto AI accurate with tax calculations?

Otto AI stays updated on VAT, PAYE, and provisional tax rates to ensure all filings match current MRA regulations.