Creating and managing a personal or family budget is an art that requires precision, flexibility, and foresight. If you are tired of routine and want to move to a new level of financial control with AI, read how Marta turns complex tracking into an intuitive process and planning into a tool for making smarter decisions.
How can you manage a multi-currency budget without errors and manual calculations?
Personal finances are rarely limited to a single currency: purchases in international online stores, travel, remote work with global clients. In manual income and expense tracking, this creates chaos: you constantly need to remember exchange rates and recalculate amounts.
Marta allows you to record an expense or income in the currency in which you actually spend or receive money. The AI assistant automatically converts each transaction at the current exchange rate on the date of payment and brings all data into your base currency (rubles, dollars, euros, etc.). This process allows you to:
- see a complete and accurate picture of your budget without distortions;
- spend 0 minutes on conversion and tracking;
- avoid errors that are inevitable in manual calculations even for 20–30 transactions, not to mention 5,000.
“Our world is global, and your budget should be too. We created Marta so you can focus on the meaning of your financial decisions, not on technical details like exchange rates,” — Anton Danilenko, creator of Marta.
Automatic multi-currency support is not just convenience — it is a necessary condition for accurate budgeting in 2025.
How to make informed decisions? What-if feature and scenario simulation
Effective budgeting is the ability to evaluate the consequences of decisions before making them. Marta offers a powerful tool — financial scenario simulation (What-if).
You can model different situations to understand their impact on your budget:
- “What if my income increases by 15%?” Marta will show how this affects your ability to save or repay loans earlier.
- “What if I reduce entertainment expenses by 20%?” The AI will calculate exactly how much you will save and how this accelerates reaching your financial goal.
- “What if I finance a large purchase with credit?” The system helps evaluate how the new monthly payment fits into your current financial picture.
During calculations, Marta also takes credit card usage into account. The assistant tracks repayment dates and the end of grace periods, helping assess whether a decision will lead to additional interest. This makes simulations closer to reality and protects you from hidden financial losses.
This tool turns budgeting from a static plan into a dynamic model you can experiment with safely.
Scenario simulation gives you a superpower — the ability to look into your financial future and choose the optimal path.
Marta — your personal finance assistant in Telegram
How can you optimize your budget with rules? A table of ready-made solutions
Budget optimization is a system of rules. Based on the analysis of thousands of anonymous transactions, we identified 10 key rules that Marta helps implement.
| Budget optimization rule | How Marta implements it | Real-life example |
|---|---|---|
| Identify and cancel “silent” subscriptions | Automatically groups recurring payments and reminds you about them | The user canceled 3 unused subscriptions, saving ~1,200 RUB/month |
| Control the frequency of impulse purchases | Provides weekly reports for “Entertainment” and “Shopping” categories | Awareness of spontaneous spending (~5,000 RUB/month) helped reduce it by half |
| Optimize mandatory payments (mobile, utilities) | Shows all service providers and yearly totals, helping you find alternatives | Switching mobile plan and insurance saved ~6,000 RUB/year |
| Plan large expenses in advance | Goal feature helps save and track progress | Saved for a new laptop in 6 months without stress or loans |
| Analyze ROI of habits | Answers questions like: “How much do I spend on takeaway coffee vs café?” | Switching to home coffee saved ~3,000 RUB/month |
| Automate savings | Integration with goals creates a “pay yourself first” effect | 10% of each income automatically goes to an emergency fund |
| Regularly review categories | AI suggests when a category is growing too large and recommends splitting it | “Groceries” split into “Basic food” and “Delicacies” for better control |
| Use the 24-hour rule for large purchases | Reminder of recorded expense helps reflect on necessity | Rejected 3 out of 10 postponed purchases after “cooling-off period” |
| Visualize progress | Charts and graphs motivate you to stay on track | Savings growth chart becomes the main motivation |
| Export data for deeper analysis | Auto-export to Google Sheets ensures full control | User built a custom expense model based on exported data |
Marta provides both tools and ready-made patterns for continuous budget optimization.
How can you add a full month of data in 60 seconds? Universal file import
Manual data entry is the main enemy of consistent budgeting. Marta eliminates this barrier with instant import.
It doesn’t matter which bank you use. Simply export your statement for any period in PDF, CSV, or TXT format and send the file to the bot. Within 30–60 seconds, the AI:
- Recognizes all transactions.
- Correctly categorizes them.
- Converts currencies.
- Updates your statistics and forecasts.
Marta can also process password-protected PDF statements. During the first import, the bot will request the password, store it securely in encrypted form, and automatically process such files in the future. This removes the need to manually unlock files and speeds up data uploads.
This means you can start from scratch and import a full year of data in just a couple of minutes, instantly getting a ready-to-use financial tool.
The import technology removes previous barriers to starting budget tracking, making the process truly seamless.
Take a step forward in managing your money
Budgeting and tracking with Marta means moving from reactive tracking to proactive management. It’s a system that saves your time on routine, provides clarity through analytics, and confidence through accurate forecasts and simulations.
- Try all features free for 7 days — no card required. Just follow the link.
- Import your first bank statement and try a “What-if” scenario.
- Learn more about the product and its creators on the website.
- Subscribe to our news channel to stay updated on new features.
Don’t just track your budget — manage it.
