Martia spots spending spikes before you do — and tells you what to ask.

Why you don't notice you're spending more

You open the app, glance at your balance, close it. Maybe you look at a chart. But nobody sits down and compares categories month over month. Meanwhile your dining spending is up 40% — and you don't even know, because each individual transaction looks normal.

Martia now does this for you. The spending page shows a "Martia noticed" section — cards with specific observations: which category is rising, how much you spend at your top merchant annually, what your recurring charges cost in total. Each card has an "Ask" button — one tap opens the chat with a ready-made question.

A chat that knows what's worth asking

The chat bar at the bottom of the screen replaced the floating button. It looks like a search field — because that's essentially what it is. Instead of generic prompts like "Summarize my spending," you see questions generated from your data: how much you spend at a specific merchant, what got more expensive, what recurring charges cost.

Suggestions change every session because they're based on current trends. If your bills went up this month — you'll see a question about bills. If you have a lot of subscriptions — you'll see a question about subscription savings. No generic prompts.

Frequently asked questions