# A clear path to financial control

> A clear path to financial control. Norta structures your way from financial distress to stability based on proven behavioral patterns and data.

- URL: https://norta.app/en
- Language: English
- Deutsch: https://norta.app
- Site index for agents: https://norta.app/llms.txt

Norta is built on what millions of people do when money becomes difficult – and what actually helps them move forward.

## Never alone

Millions of Europeans are in financial distress. Lots of people leave lots of clues, and Norta learns from that. We look at what doesn’t work, but mostly at what does. We don’t invent paths to stability, we find them.

285 million EU adults experience money stress*
*Over-indebtedness is now one of the EU's top consumer issues - and the European Commission expects it to grow significantly over the next decade.
Sources: Eurostat. EBA Consumer Trends Report 2024/25. European Commission. CRIF.

### Where you are

Your financial situation feels shaky.

### What usually happens

Things become harder to manage over time.

### What actually works

Some actions make a bigger difference than others.

### What Norta does

We turn those actions into a clear path you can follow.

### What this means for you

You’re not alone. Just follow what others have done.

## You don’t need to figure it out.

Norta turns your financial situation into a clear, step-by-step path you can follow. It helps you see what to focus on first, what to do next, and how to keep moving, based on what has worked for others.

## Three steps. That’s where it starts.

Most people try different ways to get out of financial stress. Many don’t work, It’s hard to turn your finances around. Norta is built on the ones that do. Our system compares your situation with others and shows a clear way from financial worry to financial no worry.

### 1. We map your situation

All your accounts, debts, and obligations in the Norta app, so you can see where you actually stand.

### 2. We identify your path

We look at what has helped others move forward, and use that to show what is most likely to work for you.

### 3. You follow the sequence

Step by step, in the right order, so you can move forward without having to figure everything out yourself.

## Built for trust, backed by data

### Privacy and security matters

Your data is handled with strict security and privacy standards, ensuring it is always protected, encrypted, and treated with care.

- Encrypted connections
- GDPR compliant
- Secure bank connections (PSD2)
- No data selling
- No hidden incentives

### Built on data and research

Developed using behavioral science and financial data. Improved through real-world outcomes. Designed for measurable results.

> Learn from those who struggled, trust the ones who made it through
> — Lara Planet, Co-Founder & CEO, Norta

## Common questions.

### What is Norta?

Norta is a system that structures the path from financial distress to stability based on data and behavioral patterns.

### Is my data safe?

Yes. Your data is encrypted and handled under strict privacy standards in line with GDPR requirements. Norta does not sell user data.

### Does Norta give financial advice?

No. Norta does not provide financial advice. It structures actions based on observed behavioral patterns and statistical probabilities.

### Is Norta a lender or debt collection agency?

No. Norta is neither a lender nor a debt collection agency. It is an independent system designed to help users understand and navigate their financial situation.

### Who is this for?

Anyone experiencing financial stress, loss of control, or looking for a structured way to manage and resolve debt.

### How is this different from budgeting apps?

Budgeting apps track spending. Norta structures a path out of financial distress by prioritizing actions based on what statistically works.

### Can Norta help me get out of debt?

Norta helps you understand your situation, prioritize what matters, and follow a structured path that increases the likelihood of becoming debt-free.

### What happens after I start?

You begin by mapping your financial situation. Within minutes, Norta provides a structured path with clear next steps.

### Do I need financial knowledge to use Norta?

No. Norta is designed to remove complexity and guide you step by step without requiring prior financial knowledge.