Comparison

Fiado e Empréstimos vs Otto

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Fiado e Empréstimos

Manage your debtors and track payments easily. Generate receipts, view client history, and monitor debt with a modern interface. Features cloud saving and financial dashboards for a clear overview.

Highlights
  • Generate shareable receipts
  • Track client payment history
  • Record partial payments and interest
  • Create financial dashboards
  • Save data to the cloud
  • Set payment reminders and notifications
  • Emit PDF statements
Features
Read full description

Chega de usar caderneta ou bloco de notas para registrar seus devedores! Com esse app você poderá fazer isso de forma rápida e fácil. Neste app você pode: - Gerar recibos únicos e compartilháveis. - Ver o histórico de cada cliente. - Registrar aumento de dívida de um devedor. - Registrar pagamento parcial de um devedor. - Registrar juros e abatimento. - Emitir extrato completo e enviar em PDF. - Inserir datas e prazos. - Dashboard de suas finanças. - Salvar dados em nuvem. - Criar lembretes e notificações. - Anexar imagens e descrições. - Ver sua situação de forma ampla com valores e representação gráfica. E tudo isso com um design moderno e simplista.

About

Otto

Effortlessly manage personal finances and understand spending patterns. Gain insights into essential, important, and superfluous expenses with clear charts and behavioral classifications. Access helpful content to improve your financial literacy and maintain control.

Highlights
  • Expense recording
  • Spending habit tracking
  • Financial insights and charts
  • Behavioral classification (survivor, balanced, spender)
  • Expense categorization (essential, important, superfluous)
  • Financial literacy content library
  • Intuitive user experience
Features
Read full description

Otto is the simplest way to organize your personal finances and understand where your money goes. With just a few taps, you can record your expenses, track your spending habits, and receive insights that make financial control a natural part of your daily life. The app classifies users according to their behavior, showing whether they are survivors, balanced, or spenders. In addition, it presents charts that clearly show where your money is being directed, highlighting whether expenses are essential, important, or superfluous. This clear view helps you make more conscious decisions and maintain balance between what is necessary and what can be adjusted. Otto also offers a library with simple but useful content, designed for those who want to improve their relationship with money and learn how to take better care of their finances. All of this comes with a practical and intuitive experience, with notifications and features that ensure you are always in control. New users are entitled to two months of free access. After this period, you can subscribe or cancel at any time, with no commitment. With Otto, you gain more clarity, more control, and less complication in your financial life.

Screenshots

Fiado e Empréstimos4 screens
Otto4 screens

Verdict

The call

The clearest difference is review sentiment: Otto at 100% against Fiado e Empréstimos's 78%. Fiado e Empréstimos's advantage is update cadence (every 5 days vs every 3 weeks). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Fiado e Empréstimos sells 2 in-app purchases, starting at $1.99 per month and Otto sells 1 in-app purchase, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Fiado e Empréstimos ships an update every 5 days, Otto every 3 weeks. The most recent releases landed on September 21, 2026 and September 6, 2026 respectively.

Scorecard2 real differences · 8 level
Fiado e Empréstimos versus Otto: the parameters behind the verdict, then further details
ParameterFiado e EmpréstimosOtto
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews77.8% of reviews100.0% of reviews — better
Number of ratings1 — better—
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size82 MB25 MB
Age rating+4+4
DeveloperBruno DiasLucas Siqueira

Customer experience

Fiado e Empréstimos

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews27 reviews
Positive77.8%
Neutral3.7%
Negative18.5%

Otto

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

Fiado e Empréstimos

Subscriptions2
  • Devedores Ilimitados$1.991 Month
  • Todas as funções liberadas!$4.996 Months
1 purchases

Otto

Subscriptions1
  • Otto Premium$0.991 Month

Questions

Is Fiado e Empréstimos free?
Fiado e Empréstimos is free to download, with in-app purchases available.
Is Otto free?
Otto is free to download, with in-app purchases available.
Do Fiado e Empréstimos or Otto have ads?
Neither Fiado e Empréstimos nor Otto shows ads.
Which is updated more often, Fiado e Empréstimos or Otto?
Fiado e Empréstimos ships an update every 5 days, and Otto every 3 weeks. Most recently, Fiado e Empréstimos was updated on September 21, 2026 and Otto on September 6, 2026.

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