AI financial assistant for budgeting and everyday spending.
It connects your accounts and shows what you really spend on.
Every transaction lands in the right category. The full picture of the month at a glance, with nothing to type in by hand.
It sorts transactions, spots subscriptions, keeps an eye on bills. And when spending climbs, it says so first.
Every transaction lands in the right category. The full picture of the month at a glance, with nothing to type in by hand.
How much do I pay for subscriptions?
I went through transactions from 3 accounts
You have 14 subscriptions for €92 a month. Five of them you have paid since March without a break. If you no longer use one, it is worth switching it off.
“How much do I pay for subscriptions?”, “Can I afford this apartment?”. The answers come from your data. Concrete, and never judgmental.
It sorts transactions, spots subscriptions, keeps an eye on bills. And when spending climbs, it says so first.
“How much do I pay for subscriptions?”, “Can I afford this apartment?”. The answers come from your data. Concrete, and never judgmental.
Martia turns questions into answers you can trust: personal, and there when you need them. We do not guess: every answer comes from your transactions.
In June €1,713 left your accounts. Almost half is housing and bills: €805. That one is fixed, but the next two can comfortably be trimmed.
Fewer deliveries and the subscriptions you drop add up to as much as €135 that stays with you every month.
You have 14 subscriptions for €92 a month. Disney+ and your gym you have paid since March without a break. If you no longer use one, it is worth switching it off.
Drop the ones you do not need: two of them are €35 a month, and €420 over a year.
In June the two of you spent €549 on food, €84 less than in May. Most of it goes on shared groceries; restaurants dropped by a third.
Your share is €192. The rest is covered by purchases from the joint account.
Out of €4,900 of revenue, €1,029 goes to VAT, and €1,862 together with social security. This money only passes through you. It is not yours.
What really stays with you is €3,038. Move the VAT to a separate account so it does not vanish into spending.
At this pace your safety net grows by about €280 a month. In a year it will reach €3,360, if nothing changes.
That is almost three months of your fixed costs already. It gets safe at six.
Martia also answers where you already talk: in Claude and ChatGPT. See how it works →
Invite your partner and Martia will pull your spending into one picture: who put in how much, what left the joint account, and how much you spent together. No screenshots, no “I thought you were paying".
The same paycheck, the same year, two different endings. The difference comes from micro-decisions Martia suggests at the right moment. The green area is the money that stays with you because of them.
Finances are not hard. Only the way they were shown to you was.
You sign in at your own bank, the way you always do. Martia never sees your password and cannot change anything on the account.
Lidl, Carrefour, Albert Heijn and thousands of others: recognized right away. Categories fall into place on their own, more accurately every month.
You ask like you would ask a person, and get specifics: amounts, the trend chart, and what to do about it.
Martia only reads your transactions. It makes no transfers and changes nothing on your accounts.
Martia sees your transactions but cannot make a transfer, a payment, or any change to the account.
You sign in on your own bank's site, so your password never reaches us. The connection is handled by EnableBanking, a regulated open banking provider, and your data is encrypted.
We show no ads and do not profile you. We earn from the subscription, not from your data. That is why we are on your side.
It connects to the banks you know
The full list grows every month. The connection always goes through your bank's own site.
More in the Privacy policy →
96 connected accounts · across Europe
My own spending surprised me. €320 on eating out. Good to see it. That it is too much 😅
Yes. Martia sees your transactions but cannot make a transfer, a payment, or any change to the account. The connection is read-only and handled by a regulated provider.
Anything about your money: how much you spend on food, how much of your loan is left, what you are worth after subtracting debt, whether you can afford a holiday, how your safety net is growing. The answers always come from your transactions, not from internet averages.
Over 2,500 banks across Europe and the UK, among them ING, Santander, BNP Paribas, Commerzbank, Rabobank, Intesa Sanpaolo, Revolut and Wise. The list keeps growing.
Connecting an account takes about three minutes. Categories and the first spending breakdown appear as soon as the sync finishes. You know where you stand the same day.
They stay between you and Martia. We do not sell data, we do not profile you for ads, and we share your finances with nobody.
Yes. Invite your partner into shared finances: they see everything and change nothing. Your whole budget in one place, with no swapping of screenshots.
Yes, at any moment, with one click in settings. We delete all of it: transactions, conversations and bank connections.
Yes. You can talk to Martia safely and anonymously in our app, and if you prefer, connect it to your Claude or ChatGPT account and ask there, where you talk anyway. The answers always use the same data as your dashboard.
Yes, in the browser on iPhone and Android, with nothing to install. Your dashboard and chat are always at hand.
Accounts, spending and Martia's answers on your phone, where the decisions happen. A quick look before you tap “buy now".
Get the appiOS and Android · the same account as in the browser
Connect your first account tonight. Tomorrow morning you wake up with a budget in order.
