Why I built
Martia

Excel and me

For years, tracking my finances with a spreadsheet was simple. I knew exactly how much I spent on food, how much on transport, and how much was left. It worked.

More accounts and currencies

Over time, more accounts, currencies, and income streams appeared. The spreadsheet started to break under exchange rates, conversion dates, currency differences, and several income streams at once.

To understand how much I had really earned and spent, I had to sit down and add it all up by hand. I knew I should do it regularly, but there was never time. Or I simply did not feel like touching it.

Then everything got more complicated

As everyday finances grew more complex, I stopped knowing where the money was going. Even though I was the person who “handled the finances”, I felt like a CFO without tools.

I tried AI

Knowing what modern tools can do, I thought: I will upload my bank statements to Claude and let AI do the rest.

But the models made mistakes: they classified internal transfers between my accounts as expenses, mixed up currencies, and drew the wrong conclusions about spending patterns. Every session started from zero. No memory, no context.

The key insight

AI models are only as smart as the data they receive. You need a transformation engine that cleans bank statements, makes sure the numbers add up, and handles different currencies and internal transfers. An LLM cannot do that in a single chat session. It requires solid data engineering.

So I built it

If I have this problem, then every engineer probably does. In fact, everyone does. I could not find a European tool that provides agentic financial planning with AI. So I built one.

Even if only my friends and I use it, it is worthwhile. But I believe everyone deserves a good AI financial planner.

Who Martia is when she speaks

Imagine a friend who spent ten years working at a bank and left because she was tired of pushing loans on people. She knows the system from the inside, so vague answers do not satisfy her. When you ask her about money, she does not give a lecture; she opens your figures and tells you what she sees. She can say something uncomfortable, but never in a way that makes you feel foolish. She knows there are emotions behind every amount. That is Martia.