How to check where your money goes each month?
A monthly cash flow chart is a visualization of your income and expenses broken down by month. Your account balance tells you how much you have, but not where the money goes. According to ING research (2024), 62% of Poles don't know exactly how much they spend monthly.
The new chart in Martia shows three things: income, expenses, and net balance — for each month separately. At a glance, you can see whether you spent more than you earned in a given month. Bar colors and proportions help spot trends without staring at spreadsheets.
What exactly does the cash flow chart show?
Green bars are income — salary, refunds, incoming transfers. Red bars are expenses — purchases, bills, subscriptions. The net line shows the difference between them.
You can filter by account to see flows for one bank or compare all together. The chart automatically excludes internal transfers to avoid inflating values. It's automatic expense tracking that works on its own — just connect your bank. As of March 2026.
Frequently asked questions
No. The chart automatically excludes transfers between your own accounts. This way, you see actual income and expenses, not just money being moved around.
Yes. You can filter the chart by a specific bank account. Useful if you want to see spending from just one card or one bank.
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