Keeping your money under control without spending time on it is something everyone wants. Banks show transaction history but don’t analyze it. Excel can calculate totals, but requires manual input.
This article explains how Marta, a financial management service built directly into Telegram, solves both problems: it automatically collects your data and provides instant analysis that is available anytime.
Are you tracking your spending in Telegram or still using Excel?
If you are still managing your budget in spreadsheets or a notebook, you are likely spending dozens of hours a year on it. Marta offers a fundamentally different approach — managing your finances inside a messenger you already use.
Feature overview for instant control:
- Adding expenses in seconds. You don’t need to open an app or fill out forms. You simply send a voice message like “$15 lunch” or forward a payment screenshot from any banking app to Marta.
- Instant analytics. Once the data is uploaded, you can ask: “Marta, how much did I spend on taxis this month?” or “Show all supermarket payments from last week.” The answer comes instantly.
- Reports by merchant. Want to know how much money went to a specific store or service? Marta will provide a full list of transactions, for example, made in Uber or Walmart, along with the total amount.
As a freelance marketer, Regina notes: “With other apps, I gave up after a week. With Marta, I don’t.” That’s because the process has become a natural part of everyday messaging.
Tracking your spending with Marta in Telegram feels as easy as asking a friend for help—except that this friend gives you accurate, immediate financial analysis to help you make better decisions.
Why is expense analysis in Marta 10 times faster than in banking apps?
Banking apps are designed for transactions, but they are not built for deep analysis. To understand your spending structure in a bank app, you need to export statements, open them in Excel, and manually process the data. Marta performs expense analysis online instantly and without your involvement.
Speed and automation powered by AI:
- AI processing of complex formats. You can send Marta a bank statement covering several months in PDF or CSV format. Artificial intelligence will analyze the document, recognize transactions in more than 40 languages, and upload them into your account within minutes. Processing this volume manually would take hours.
- Search using natural language. Marta understands everyday language. You do not need to build complex filters. You can simply ask: “How much did I spend on flights last year?” or “Show restaurant spending over the last three months.” The bot will find the data and display it.
- Visual dashboards. Instead of plain rows in a bank statement, Marta provides clear charts and graphs. You see not just numbers, but proportions: how much of your budget goes to housing, food, and entertainment.
A bank answers the question “how much was spent,” while Marta answers “where, to whom, and why,” and does it significantly faster.
Are hidden expenses draining your budget? Marta will find them instantly.
The most dangerous part of any budget is not large purchases, but small, recurring expenses that go unnoticed. Subscription renewals, service fees, or small transfers to friends all quietly accumulate. Marta uses advanced technology to bring them to light.
Technology for detecting hidden expenses:
- Learning from payments to individuals. Marta becomes smarter over time. As Anton Danilenko, creator of Marta, explains, the assistant learns from your data. If you regularly send money to the same person, Marta can remember it and show the total amount transferred to that person over any period. What feels like small transfers can add up to a significant sum over time.
- Automatic currency conversion. If you pay for services in different currencies, amounts in bank statements may fluctuate due to exchange rates. Marta converts all expenses to your base currency using the rate on the date of each transaction, so you see the real total in a single, consistent format.
- Optimization suggestions. After analyzing your spending, Marta may suggest: “You have three monthly streaming subscriptions. Keeping just one could save you around $15 per month.”
Marta acts as a financial detective—quickly identifying leaks and helping you stop unnoticed budget drains, giving you control and peace of mind.
Marta — your personal finance assistant in Telegram
Real cases: how Daria and Dmitry saved thousands with Marta
Numbers and features are useful, but real user stories show the true value of a financial management service.
User success stories:
- Daria’s case: bringing order to chaos. Daria, an administrator, says, “I just send screenshots, and the bot automatically categorizes everything. It takes seconds. A couple of actions, and my finances are organized.” For her, the benefit was not only saving money but also saving time and reducing stress. She no longer avoids checking her balance at the end of the month because she always understands her financial situation.
- Dmitry’s case: saving for a dream. Dmitry, a store manager, set a goal to save for a new car. Previously, his money seemed to disappear. Marta helped him realize that spontaneous snacks and takeaway coffee added up to an amount sufficient for a monthly car payment. “Everything is extremely simple: I send a voice message and get structured data. Now I can save and finally work toward my dream,” he says.
Each story leads to the same result — financial clarity, which leads to real savings and goal achievement.
Step by step: start tracking your spending in Telegram in one minute
Getting started with Marta is easier than making yourself a cup of tea. You don’t need to register on a website or install another app on your phone.
Quick start guide:
Step 1. Find the bot. Go to @Marta_assist_bot and click “Start.”
Step 2. Send your first expense. Take a screenshot of recent transactions in any banking app and send it to Marta. Or tap the microphone and say: “Today I spent $30 at the supermarket.”
Step 3. Customize categories (optional). If you want more detailed analytics, you can create your own categories, for example, splitting “Groceries” into “Delivery” and “Local store.” Marta will remember your preferences.
Step 4. Use AI to manage subscriptions. Ask: “Marta, show all my subscriptions.” You will receive a list. You can then set reminders to cancel unnecessary ones before the next charge.
Step 5. Export your data. For annual reports or planning major purchases, you can always export your data. This remains convenient even if you pause your subscription, as your history will still be available for viewing.
The entire process from zero to full financial control takes less than a minute and requires only one screenshot.
Final thoughts
Marta, a financial management service, turns routine expense tracking into a fast, clear process integrated into your everyday Telegram experience. You get not just a record of expenses, but a powerful tool for analyzing your finances online that helps uncover hidden budget reserves, supports your savings goals, and saves your most valuable resource — time.
What should you do right now to take control of your money?
- Learn more about the service and its features on our website.
- Start saving today. Activate your 7-day free trial — no card required.
- Stay updated. To be the first to learn about new features (such as the upcoming Family Subscription), subscribe to the Telegram channel.
Message Marta today, and by tomorrow you’ll know more about your finances than you did over the past month.
