{"id":357,"date":"2026-04-10T16:57:48","date_gmt":"2026-04-10T13:57:48","guid":{"rendered":"https:\/\/meetmarta.io\/blog\/?p=357"},"modified":"2026-04-13T22:43:08","modified_gmt":"2026-04-13T19:43:08","slug":"financial-journal-of-income-and-expenses-with-marta-ai","status":"publish","type":"post","link":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/","title":{"rendered":"How to keep a financial journal of income and expenses with Marta: an AI tool for budget allocation in Telegram"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/martaandanalytics-1-1024x683.webp\" alt=\"Marta and analytics\" class=\"wp-image-358\" style=\"aspect-ratio:1.4992888417882142;width:564px;height:auto\" srcset=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/martaandanalytics-1-1024x683.webp 1024w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/martaandanalytics-1-300x200.webp 300w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/martaandanalytics-1-768x512.webp 768w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/martaandanalytics-1.webp 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>This guide is for anyone tired of financial chaos and ready to finally bring order to their personal budget, but looking for the simplest, most modern way to do so. It\u2019s for people who value their time and don\u2019t want to spend hours filling out spreadsheets.<\/p>\n\n\n\n<p>This article is a practical guide to keeping a financial journal of income and expenses using AI. You\u2019ll learn how the Telegram bot Marta AI, created by Anton Danilenko (founder of Kyten), turns routine tracking into a smart system that actually helps you allocate your budget more effectively.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A financial journal in Telegram: track income and expenses in one minute<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1011\" height=\"640\" src=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-9.png\" alt=\"Screenshot from Marta\" class=\"wp-image-285\" style=\"aspect-ratio:1.5796897038081805;width:603px;height:auto\" srcset=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-9.png 1011w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-9-300x190.png 300w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-9-768x486.png 768w\" sizes=\"auto, (max-width: 1011px) 100vw, 1011px\" \/><\/figure>\n\n\n\n<p>Many people still think budgeting means painfully writing down every expense in a notebook. But with AI assistants, things have changed. A financial journal in Telegram with Marta works differently. You don\u2019t spend hours on tracking \u2014 just a few minutes a day.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What does it look like in practice?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Logging income by voice. Got paid or received money for a project? Tap the microphone and say: \u201cReceived $4000 salary.\u201d Marta instantly recognizes the speech, creates a record, and assigns it to the Income category.<\/li>\n\n\n\n<li>Uploading files and screenshots. The fastest option is simply to forward a screenshot from your banking app or a photo of a receipt. Marta automatically detects amounts, dates, and transaction details.<\/li>\n\n\n\n<li>Instant balance overview. At any time, you can ask: \u201cHow much money do I have?\u201d The bot will show your current balance based on all recorded income and expenses. No need to open multiple apps or do any calculations. It\u2019s just a conversation.<\/li>\n<\/ul>\n\n\n\n<p>Marta minimizes manual input. You simply go about your day as usual, and the bot records everything you share with it in the background. Managing your finances takes just a minute.<\/p>\n\n\n<div class=\"second-commercial-block\">\n\t\t<img class=\"second-commercial-block__img\"\n\t\t\tsrc=\"\/wp-content\/themes\/marta5\/assets\/images\/women-second-commercial-block.png\" alt=\"\">\n\t\t<div class=\"second-commercial-block__hashtag hashtag\">\n\t\t\t#Let&#8217;sTry\n\t\t<\/div>\n\t\t<div class=\"second-commercial-block__title\">\n\t\t\tManage your finances in a new way\n\t\t\t<span class=\"second-commercial-block__title--ranbow\">&nbsp;with AI<\/span>\n\t\t<\/div>\n\t\t<div class=\"second-commercial-block__description\">\n\t\t\tTry Marta free for&nbsp;7&nbsp;days\n\t\t<\/div>\n\t\t<div class=\"second-commercial-block__button-wrapper\">\n\t\t\t<a href=\"https:\/\/t.me\/Marta_assist_bot?start\" class=\"second-commercial-block__button\">\n\t\t\t\t<svg class=\"second-commercial-block__button-svg--black\" width=\"37\" height=\"34\" viewBox=\"0 0 37 34\" fill=\"none\"\n\t\t\t\t\txmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t<path\n\t\t\t\t\t\td=\"M19.7726 12.3417C19.788 12.0026 20.3459 11.867 20.5123 12.1629C21.2952 13.5499 22.6267 15.5873 24.137 16.515C25.6473 17.4428 28.07 17.7048 29.6604 17.7726C29.9994 17.788 30.132 18.3459 29.8361 18.5123C28.4491 19.2952 26.4148 20.6267 25.487 22.137C24.5593 23.6473 24.2973 26.07 24.2295 27.6604C24.2141 27.9994 23.6531 28.132 23.4898 27.8361C22.7069 26.4491 21.3753 24.4148 19.862 23.4871C18.3517 22.5593 15.929 22.2973 14.3417 22.2295C14.0026 22.2141 13.867 21.6531 14.1629 21.4898C15.5499 20.7069 17.5873 19.3753 18.515 17.862C19.4397 16.3517 19.7048 13.929 19.7726 12.3417Z\"\n\t\t\t\t\t\tfill=\"#272727\" \/>\n\t\t\t\t\t<path\n\t\t\t\t\t\td=\"M9.16472 6.12813C9.1705 6.00098 9.3797 5.95013 9.44212 6.06109C9.7357 6.58122 10.235 7.34523 10.8014 7.69313C11.3677 8.04104 12.2762 8.13929 12.8726 8.16472C12.9998 8.1705 13.0495 8.3797 12.9385 8.44212C12.4184 8.7357 11.6556 9.23503 11.3076 9.80139C10.9597 10.3677 10.8615 11.2762 10.8361 11.8727C10.8303 11.9998 10.6199 12.0495 10.5587 11.9385C10.2651 11.4184 9.76575 10.6556 9.19824 10.3076C8.63188 9.95974 7.72339 9.86149 7.12813 9.83606C7.00099 9.83028 6.95013 9.61992 7.06109 9.55866C7.58122 9.26508 8.34523 8.76575 8.69314 8.19824C9.03989 7.63187 9.13929 6.72338 9.16472 6.12813Z\"\n\t\t\t\t\t\tfill=\"#272727\" \/>\n\t\t\t\t\t<path\n\t\t\t\t\t\td=\"M23.0824 5.06406C23.0852 5.00049 23.1899 4.97506 23.2211 5.03055C23.3679 5.29061 23.6175 5.67261 23.9007 5.84657C24.1839 6.02052 24.6381 6.06964 24.9363 6.08236C24.9999 6.08525 25.0247 6.18985 24.9693 6.22106C24.7092 6.36785 24.3278 6.61751 24.1538 6.90069C23.9799 7.18387 23.9307 7.63812 23.918 7.93633C23.9151 7.9999 23.81 8.02475 23.7793 7.96927C23.6325 7.7092 23.3829 7.32778 23.0991 7.15382C22.8159 6.97987 22.3617 6.93074 22.0641 6.91803C22.0005 6.91514 21.9751 6.80996 22.0305 6.77933C22.2906 6.63254 22.6726 6.38288 22.8466 6.09912C23.0199 5.81594 23.0696 5.36169 23.0824 5.06406Z\"\n\t\t\t\t\t\tfill=\"#272727\" \/>\n\t\t\t\t<\/svg>\n\t\t\t\tGet Started\n\t\t\t<\/a>\n\t\t\t<svg class=\"second-commercial-block__button-svg--green\" width=\"57\" height=\"61\" viewBox=\"0 0 57 61\" fill=\"none\"\n\t\t\t\txmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t<path\n\t\t\t\t\td=\"M23.0823 26.7224C22.6609 26.5676 22.7024 25.8075 23.1388 25.715C25.185 25.2779 28.2598 24.4062 30.0042 22.8653C31.7487 21.3245 33.0016 18.3635 33.6928 16.378C33.8413 15.9551 34.5949 16.0101 34.692 16.4509C35.1504 18.5185 36.0537 21.6241 37.6038 23.4008C39.1538 25.1776 42.1073 26.476 44.0859 27.1966C44.5073 27.3514 44.4607 28.1141 44.0256 28.2027C41.9794 28.6398 38.9084 29.5128 37.1628 31.0576C35.4183 32.5984 34.1655 35.5594 33.4754 37.541C33.3269 37.9638 32.5682 37.9116 32.4751 37.472C32.0166 35.4044 31.1145 32.2949 29.5605 30.5169C28.0093 28.7441 25.057 27.4418 23.0823 26.7224Z\"\n\t\t\t\t\tfill=\"#C6F15C\" \/>\n\t\t\t\t<path\n\t\t\t\t\td=\"M11.2164 37.6635C11.0584 37.6054 11.074 37.3204 11.2376 37.2857C12.0049 37.1218 13.158 36.7949 13.8121 36.2171C14.4663 35.6393 14.9361 34.5289 15.1953 33.7843C15.251 33.6258 15.5336 33.6464 15.57 33.8117C15.7419 34.587 16.0807 35.7516 16.662 36.4179C17.2432 37.0842 18.3508 37.5711 19.0928 37.8413C19.2508 37.8993 19.2333 38.1854 19.0701 38.2186C18.3028 38.3825 17.1512 38.7099 16.4966 39.2892C15.8424 39.867 15.3726 40.9774 15.1138 41.7204C15.0581 41.879 14.7736 41.8594 14.7387 41.6946C14.5668 40.9192 14.2285 39.7532 13.6457 39.0864C13.064 38.4216 11.9569 37.9332 11.2164 37.6635Z\"\n\t\t\t\t\tfill=\"#C6F15C\" \/>\n\t\t\t\t<path\n\t\t\t\t\td=\"M15.1736 19.6325C15.0946 19.6035 15.1024 19.461 15.1842 19.4436C15.5679 19.3617 16.1444 19.1982 16.4715 18.9093C16.7986 18.6204 17.0335 18.0652 17.1631 17.6929C17.191 17.6137 17.3322 17.624 17.3504 17.7066C17.4364 18.0943 17.6058 18.6766 17.8964 19.0097C18.187 19.3429 18.7408 19.5863 19.1118 19.7214C19.1908 19.7505 19.1821 19.8935 19.1005 19.9101C18.7168 19.992 18.141 20.1557 17.8137 20.4454C17.4866 20.7343 17.2517 21.2895 17.1223 21.661C17.0945 21.7403 16.9522 21.7305 16.9348 21.6481C16.8488 21.2604 16.6797 20.6774 16.3883 20.344C16.0974 20.0116 15.5439 19.7674 15.1736 19.6325Z\"\n\t\t\t\t\tfill=\"#C6F15C\" \/>\n\t\t\t<\/svg>\n\t\t<\/div>\n\t<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Income allocation tools: how Marta helps you manage your budget more effectively<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/goldenruleen-1024x683.webp\" alt=\"the golden budget rule\" class=\"wp-image-359\" style=\"aspect-ratio:1.4992888417882142;width:648px;height:auto\" srcset=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/goldenruleen-1024x683.webp 1024w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/goldenruleen-300x200.webp 300w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/goldenruleen-768x512.webp 768w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/goldenruleen.webp 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>It\u2019s not enough to know how much you earn and spend. What really matters is how you allocate your money. Marta offers advanced income distribution tools powered by AI.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What methods does the bot support?<\/strong><\/h3>\n\n\n\n<p>Proportional budgeting. Marta helps you follow proven strategies such as the 50\/30\/20 rule:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50% of income for essentials (rent, groceries)<\/li>\n\n\n\n<li>30% for lifestyle spending (cafes, entertainment, hobbies)<\/li>\n\n\n\n<li>20% for savings and investments<\/li>\n<\/ul>\n\n\n\n<p>The bot automatically highlights when you go beyond these proportions.<\/p>\n\n\n\n<p>Category-based budgeting. You can set your own limits. For example: \u201cRestaurants \u2014 no more than $200 per month.\u201d Marta tracks spending in that category and warns you when you\u2019re close to the limit.<\/p>\n\n\n\n<p>AI-powered optimization tips. This is Marta\u2019s key feature. After analyzing your data over time, it might suggest: \u201cYou spend around $400 per month on taxis. You might save money by switching to public transport or car sharing.\u201d<\/p>\n\n\n\n<p>Marta doesn\u2019t just passively record your finances. It actively analyzes your patterns and suggests personalized ways to improve how you allocate your budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why tracking expenses with Marta feels like AI magic<\/strong><\/h2>\n\n\n\n<p>What makes Marta so popular? It feels like \u201cmagic\u201d to users because it solves the biggest frustrations of traditional budgeting.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Self-learning. Marta is not just a notebook. It remembers your habits. If you enter something like \u201ciPhone installment,\u201d it may suggest creating a category such as Electronics or adding the merchant to recurring payments. The longer you use it, the better it understands you.<\/li>\n\n\n\n<li>Multilingual support. Living abroad or traveling often? Marta can process receipts and statements in 40+ languages. You can live in Australia and upload local receipts, and the bot will recognize them and convert everything into your base currency. This makes it ideal for expats and travelers.<\/li>\n\n\n\n<li>Visualization without extra apps. You don\u2019t need heavy software to see charts. Marta sends visual reports directly in the chat. All analytics are available instantly on request.<\/li>\n<\/ul>\n\n\n\n<p>Marta removes the main barriers to financial clarity \u2014 technical, language-related, and cognitive. Expense tracking becomes intuitive.<\/p>\n\n\n<div class=\"first-commercial-block\">\n\t\t<img decoding=\"async\" class=\"first-commercial-block__img\" src=\"\/wp-content\/themes\/marta5\/assets\/images\/first-commercial-block.png\"\n\t\t\talt=\"\">\n\t\t<div class=\"first-commercial-block__hashtag hashtag\">\n\t\t\t#Accounting\n\t\t<\/div>\n\t\t<h3 class=\"first-commercial-block__title\">\n\t\t\tMarta \u2014 your personal finance assistant in Telegram\n\t\t\t<svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t<g clip-path=\"url(#clip0_1904_3341)\">\n\t\t\t\t\t<path\n\t\t\t\t\t\td=\"M10 0C7.34844 0 4.80312 1.05422 2.92969 2.92891C1.05433 4.80435 0.000536638 7.34779 0 10C0 12.6511 1.05469 15.1964 2.92969 17.0711C4.80312 18.9458 7.34844 20 10 20C12.6516 20 15.1969 18.9458 17.0703 17.0711C18.9453 15.1964 20 12.6511 20 10C20 7.34891 18.9453 4.80359 17.0703 2.92891C15.1969 1.05422 12.6516 0 10 0Z\"\n\t\t\t\t\t\tfill=\"url(#paint0_linear_1904_3341)\" \/>\n\t\t\t\t\t<path\n\t\t\t\t\t\td=\"M4.5267 9.89014C7.44232 8.62014 9.38608 7.78285 10.358 7.37826C13.1361 6.22311 13.7126 6.02248 14.0892 6.01568C14.172 6.01436 14.3564 6.03482 14.4767 6.13209C14.5767 6.21412 14.6048 6.32506 14.6189 6.40295C14.6314 6.48076 14.6486 6.65811 14.6345 6.79654C14.4845 8.37779 13.833 12.215 13.5017 13.9861C13.3626 14.7354 13.0861 14.9867 12.8189 15.0112C12.2376 15.0647 11.797 14.6275 11.2345 14.2589C10.3548 13.6819 9.85795 13.3228 9.00326 12.7598C8.01576 12.1092 8.65639 11.7515 9.21889 11.1672C9.36576 11.0142 11.9251 8.68686 11.9736 8.47576C11.9798 8.44936 11.9861 8.35092 11.9267 8.29904C11.8689 8.24701 11.783 8.26482 11.7205 8.27889C11.6314 8.29889 10.2267 9.22826 7.5017 11.0669C7.10326 11.3409 6.74232 11.4745 6.41732 11.4675C6.06107 11.4598 5.37357 11.2656 4.86264 11.0997C4.23764 10.8961 3.7392 10.7884 3.78295 10.4426C3.80482 10.2626 4.05326 10.0784 4.5267 9.89014Z\"\n\t\t\t\t\t\tfill=\"white\" \/>\n\t\t\t\t<\/g>\n\t\t\t\t<defs>\n\t\t\t\t\t<linearGradient id=\"paint0_linear_1904_3341\" x1=\"1000\" y1=\"0\" x2=\"1000\" y2=\"2000\"\n\t\t\t\t\t\tgradientUnits=\"userSpaceOnUse\">\n\t\t\t\t\t\t<stop stop-color=\"#2AABEE\" \/>\n\t\t\t\t\t\t<stop offset=\"1\" stop-color=\"#229ED9\" \/>\n\t\t\t\t\t<\/linearGradient>\n\t\t\t\t\t<clipPath id=\"clip0_1904_3341\">\n\t\t\t\t\t\t<rect width=\"20\" height=\"20\" fill=\"white\" \/>\n\t\t\t\t\t<\/clipPath>\n\t\t\t\t<\/defs>\n\t\t\t<\/svg>\n\t\t<\/h3>\n\t\t<div class=\"first-commercial-block__description\">\n\t\t\tA simple tool for tracking and analyzing your personal finances.\n\t\t<\/div>\n\t\t<a class=\"first-commercial-block__button\" href=\"https:\/\/meetmarta.io\">Learn More<\/a>\n\t<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Real example: how Dmitry saved for a car using Marta<\/strong><\/h2>\n\n\n\n<p>Theory is useful, but real stories show how it works in practice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dmitry\u2019s case: from chaos to a new car<\/strong><\/h3>\n\n\n\n<p>Dmitry is a store manager whose income includes a fixed salary and bonuses. \u201cI always had a rough idea of how much I earned, but the money kept disappearing,\u201d he says. \u201cI wanted a new car but couldn\u2019t save.\u201d<\/p>\n\n\n\n<p>With Marta, he started simply by sending screenshots of income and expenses. After one month, the bot revealed a surprising insight: he was spending nearly $300 per month on eating out and fast food.<\/p>\n\n\n\n<p>\u201cI didn\u2019t even notice these small expenses.\u201d<\/p>\n\n\n\n<p>Once he saw the pattern, he adjusted his habits by bringing food from home and cutting down on cafes. Over six months, the savings, combined with bonuses, allowed him to make a down payment on a car.<\/p>\n\n\n\n<p>Other use cases:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Freelance income tracking. Easily monitor payments from different clients to understand who generates the most income.<\/li>\n\n\n\n<li>Family budgeting. A couple can share one chat with Marta, both adding expenses. The bot combines everything into one clear picture, avoiding arguments about spending.<\/li>\n\n\n\n<li>Eliminating unnecessary costs. Marta often helps uncover \u201cgrey areas\u201d \u2014 subscriptions you no longer use or services you can cancel.<\/li>\n<\/ul>\n\n\n\n<p>Real user stories show that consistent tracking with AI works. It doesn\u2019t just record data \u2014 it changes behavior and makes big financial goals achievable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step by step: launch your AI journal and optimize your budget<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"772\" height=\"745\" src=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-16.png\" alt=\"Marta \u2014 your AI financial assistant\" class=\"wp-image-341\" srcset=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-16.png 772w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-16-300x290.png 300w, https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/image-16-768x741.png 768w\" sizes=\"auto, (max-width: 772px) 100vw, 772px\" \/><\/figure>\n\n\n\n<p>Ready to try it? Here\u2019s a simple plan to turn Marta into your main financial assistant within a week.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step-by-step guide:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Step 1. Setup (Day 1). Go to <a href=\"https:\/\/t.me\/Marta_assist_bot?start\">@Marta_assist_bot<\/a> and activate your free trial. Set your base currency.<\/li>\n\n\n\n<li>Step 2. Daily input (Days 1\u20137). Start sending everything related to money into the chat: salary notifications, receipts, and bills. Use voice when it\u2019s easier.<\/li>\n\n\n\n<li>Step 3. First analysis (Day 7). Ask Marta: \u201cCreate a weekly expense report.\u201d Review where most of your money went. Then ask: \u201cShow my income for the week.\u201d<\/li>\n\n\n\n<li>Step 4. Adjust your strategy (Day 8+). Based on the report, choose 1\u20132 categories to optimize. For example, reduce coffee spending by $20 per week and redirect that money to savings. Set limits in the bot.<\/li>\n\n\n\n<li>Step 5. Ongoing analysis. Make it a habit to review monthly reports. Track your progress and adjust limits as your goals change.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final thoughts<\/strong><\/h2>\n\n\n\n<p>Marta is more than just a tracking app. It\u2019s a full ecosystem for managing personal finances, built into the place where you already spend your time \u2014 Telegram.<\/p>\n\n\n\n<p>It removes routine and gives you what actually matters: clarity about your money and the ability to make better financial decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What to do next<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Try it for free: go to <a href=\"https:\/\/t.me\/Marta_assist_bot?start\">@Marta_assist_bot <\/a>and get 7 days of full access with no card required.<\/li>\n\n\n\n<li><a href=\"https:\/\/meetmarta.io\/#about\">Choose a plan<\/a>: you can switch to an annual subscription with up to 58% savings and get 2 months free.<\/li>\n\n\n\n<li>Stay updated: subscribe to the <a href=\"https:\/\/t.me\/MartaNews5\">Marta News Telegram<\/a> channel to keep up with new features and updates, including recent improvements in voice recognition and the upcoming Family Subscription feature.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This guide is for anyone tired of financial chaos and ready to finally bring order to their personal budget, but looking for the simplest, most modern way to do so. It\u2019s for people who value their time and don\u2019t want to spend hours filling out spreadsheets. This article is a practical guide to keeping a [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":212,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"translation":{"provider":"WPGlobus","version":"3.0.1","language":"en","enabled_languages":["en","es"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":true,"content":false,"excerpt":false}}},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Journal with Marta: AI-Powered Budget Management<\/title>\n<meta name=\"description\" content=\"How can you keep a financial journal of your income and expenses with Marta? Learn how this AI budgeting tool works right in your Telegram \u2014 follow the link to learn more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Journal with Marta: AI-Powered Budget Management\" \/>\n<meta property=\"og:description\" content=\"How can you keep a financial journal of your income and expenses with Marta? Learn how this AI budgeting tool works right in your Telegram \u2014 follow the link to learn more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Marta AI\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-10T13:57:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-13T19:43:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/podmigivayushhayamarta.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"18 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financial Journal with Marta: AI-Powered Budget Management","description":"How can you keep a financial journal of your income and expenses with Marta? Learn how this AI budgeting tool works right in your Telegram \u2014 follow the link to learn more.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai","og_locale":"en_US","og_type":"article","og_title":"Financial Journal with Marta: AI-Powered Budget Management","og_description":"How can you keep a financial journal of your income and expenses with Marta? Learn how this AI budgeting tool works right in your Telegram \u2014 follow the link to learn more.","og_url":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/","og_site_name":"Blog Marta AI","article_published_time":"2026-04-10T13:57:48+00:00","article_modified_time":"2026-04-13T19:43:08+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/podmigivayushhayamarta.webp","type":"image\/webp"}],"author":"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430","twitter_card":"summary_large_image","twitter_misc":{"Written by":"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430","Est. reading time":"18 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#article","isPartOf":{"@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/"},"author":{"name":"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430","@id":"https:\/\/meetmarta.io\/blog\/#\/schema\/person\/1a6cd4413b7f79baf0cf974a4862bc44"},"headline":"How to keep a financial journal of income and expenses with Marta: an AI tool for budget allocation in Telegram","datePublished":"2026-04-10T13:57:48+00:00","dateModified":"2026-04-13T19:43:08+00:00","mainEntityOfPage":{"@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/"},"wordCount":1197,"commentCount":0,"image":{"@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#primaryimage"},"thumbnailUrl":"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/podmigivayushhayamarta.webp","articleSection":["\u0411\u0435\u0437 \u0440\u0443\u0431\u0440\u0438\u043a\u0438"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/","url":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/","name":"Financial Journal with Marta: AI-Powered Budget Management","isPartOf":{"@id":"https:\/\/meetmarta.io\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#primaryimage"},"image":{"@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#primaryimage"},"thumbnailUrl":"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/podmigivayushhayamarta.webp","datePublished":"2026-04-10T13:57:48+00:00","dateModified":"2026-04-13T19:43:08+00:00","author":{"@id":"https:\/\/meetmarta.io\/blog\/#\/schema\/person\/1a6cd4413b7f79baf0cf974a4862bc44"},"description":"How can you keep a financial journal of your income and expenses with Marta? Learn how this AI budgeting tool works right in your Telegram \u2014 follow the link to learn more.","breadcrumb":{"@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#primaryimage","url":"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/podmigivayushhayamarta.webp","contentUrl":"https:\/\/meetmarta.io\/blog\/wp-content\/uploads\/2026\/04\/podmigivayushhayamarta.webp","width":1536,"height":1024,"caption":"Marta with a planner"},{"@type":"BreadcrumbList","@id":"https:\/\/meetmarta.io\/blog\/financial-journal-of-income-and-expenses-with-marta-ai\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/meetmarta.io\/blog\/"},{"@type":"ListItem","position":2,"name":"How to keep a financial journal of income and expenses with Marta: an AI tool for budget allocation in Telegram"}]},{"@type":"WebSite","@id":"https:\/\/meetmarta.io\/blog\/#website","url":"https:\/\/meetmarta.io\/blog\/","name":"Blog Marta AI","description":"2","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/meetmarta.io\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/meetmarta.io\/blog\/#\/schema\/person\/1a6cd4413b7f79baf0cf974a4862bc44","name":"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/meetmarta.io\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c343bb758a64f1a64b14b8111cbe47296827b1bc3c93f6abcd1e5754915f3562?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c343bb758a64f1a64b14b8111cbe47296827b1bc3c93f6abcd1e5754915f3562?s=96&d=mm&r=g","caption":"\u042f\u043d\u0430 \u0422\u0438\u0445\u043e\u043d\u043e\u0432\u0430"},"url":"https:\/\/meetmarta.io\/blog\/author\/ytihonova\/"}]}},"_links":{"self":[{"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/posts\/357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/comments?post=357"}],"version-history":[{"count":4,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/posts\/357\/revisions"}],"predecessor-version":[{"id":433,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/posts\/357\/revisions\/433"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/media\/212"}],"wp:attachment":[{"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/media?parent=357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/categories?post=357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/meetmarta.io\/blog\/wp-json\/wp\/v2\/tags?post=357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}