oto
Verified Oct 14, 2026 ActiveCombines invoicing, proposals, contracts, time tracking, and expense tracking for freelancers in one dashboard.
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
- Paid options from
- $6/mo
- Billing
- Monthly
Starter is $6/month and Pro $24/month, both shown only at the yearly billing rate ('2 months free on yearly subscription'); monthly rates are not listed on the page. Free allows 1 client, 2 projects and 250 AI credits with limited AI proposals; Starter 2 clients, 4 projects, 1,500 credits and custom contracts; Pro unlimited clients, projects, credits, emails and storage. oto charges 0% on payments, Stripe and PayPal fees still apply.
Use tool ↗About oto
oto bundles the paperwork side of freelancing into one dashboard: invoices built from tracked hours or per project, AI-drafted proposals, pre-written contracts signed online, time and expense tracking with receipt uploads, recurring invoices, payment reminders and partial payments, with Stripe or PayPal collecting payment in more than 135 currencies and no fee from oto itself. Industry-specific invoice templates cover roles like musicians, pet sitters, makeup artists, influencers, copywriters and videographers. The Free plan supports one client and two projects with 250 AI credits; Starter at $6 a month billed yearly allows two clients and 1,500 credits, and Pro at $24 a month billed yearly removes the client, project and credit caps and adds unlimited storage. The operator is oto Tech, Inc., a small remote team that gives Delaware courts jurisdiction but no address.
- Platforms
- Web
- API
- Not confirmed
- Last verified
- Oct 14, 2026
Verified sources
- Pricing page: Free $0 with 1 client, 2 projects and 250 AI credits; Starter $6/month billed yearly with 2 clients, 4 projects, 1,500 credits and custom branding; Pro $24/month billed yearly with unlimited clients, projects, credits, emails and storage; '2 months free on yearly subscription'; 0% oto fees (15 October 2026)oto.work ↗
- Homepage: invoices from tracked hours, AI-generated proposals, pre-written contracts, time and expense tracking, Stripe or PayPal payments in 135+ currencies, industry invoice templates (15 October 2026)oto.work ↗
- Terms of use (effective 22 May 2023) name oto Tech, Inc. as the contracting party with disputes in Delaware courts; the governing-law state is left as a placeholder and no address is given (15 October 2026)oto.work ↗
Is oto legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- Jun 28, 2022 (4 years ago)Registry record (RDAP), registrar GoDaddy.com, LLC, looked up Sep 6, 2026
- TLS certificate
- Issued by Google Trust Services, valid until Dec 27, 2026Seen in our own connection to the site on Oct 14, 2026
- Last checked
- Oct 14, 2026The site answered
- Operated by
- oto Tech, Inc., United StatesOur research, card verified Oct 15, 2026
Pros & cons of oto
Oto covers the same ground as Bonsai or HoneyBook but at a noticeably lower price point, with unlimited invoices and proposals even on the free plan. The one-client limit on Free and Starter is the real constraint: anyone with more than one active client needs the Pro plan quickly. Payment processing through Stripe and PayPal covers most freelancers' needs without a separate merchant account.
Pros
- unlimited invoices, proposals, and contracts even on the free plan
- industry-specific templates for niches like musicians and videographers
- built-in Stripe and PayPal payment processing
- AI-assisted proposal generation on paid tiers
Cons
- client limits on Free (1) and Starter (2) plans push most working freelancers to Pro quickly
- yearly billing is required to get the advertised Starter and Pro rates
- operating company's country isn't disclosed on the site
Best for
- freelancers wanting invoicing, contracts, and time tracking in one place
- solo operators in creative fields covered by Oto's industry templates
Not for
- freelancers with more than one active client on a budget, since Free and Starter cap at one to two clients
- teams needing multi-user access or approval workflows
Alternatives to oto
AI tools by profession
Invoicing & Billing is one of the jobs on these pages: