Why your net worth lies without your mortgage
You own an apartment worth 600,000 PLN, have a savings account, and a retirement fund. Your app shows net worth: 750,000 PLN. Sounds great — until you remember the 480,000 PLN mortgage. Real net worth: 270,000 PLN. The gap? Almost half a million zloty.
Most personal finance apps only show assets. The reason is simple: liabilities are hard. You need the original amount, interest rate, repayment type, and start date. Then every month you have to calculate how much is left. Martia now does this automatically.
Add your loan, upload your ING certificate, see what you really own
In the net worth section, add a new entry: "Mortgage" or "Loan." Enter the amount, interest rate, term, and repayment type — fixed or decreasing installments. Martia calculates the current balance using an amortization schedule. No need to manually update the balance every month.
Have a mortgage with ING? Upload the PDF loan certificate — Martia extracts balance history, current principal, interest rate, and contract date. Real bank data instead of estimates. You can link the mortgage to your property — then you see equity: property value minus remaining debt.
Perguntas frequentes
Yes. Upload a PDF of your ING mortgage certificate — Martia automatically reads balance history, remaining principal, interest rate, and contract date. Support for more banks is planned.
Fixed installments (annuity) mean the same amount every month — early payments are mostly interest, later ones mostly principal. Decreasing installments have a fixed principal portion with declining interest — the total payment drops over time. Martia supports both.
Começa a acompanhar as tuas finanças com a Martia
Liga a tua conta bancária e acompanha automaticamente gastos, planeia orçamentos e analisa tendências — tudo no mesmo sítio.
Começar agora