# How Norta works

> Four steps from overview to plan: record your income and expenses, understand your situation, build a repayment plan, and keep going step by step.

- URL: https://norta.app/en/how-it-works
- Language: English
- Deutsch: https://norta.app/so-funktionierts
- Italiano: https://norta.app/it/come-funziona
- Polski: https://norta.app/pl/jak-to-dziala
- Site index for agents: https://norta.app/llms.txt

From a first overview to a plan you can keep, in four steps.

## 1. Get an overview

Start with your income, expenses and outstanding payments. You can enter everything yourself or, optionally, connect your bank account so that certain information is recorded automatically.

## 2. Understand your situation

Norta gives you a clear view of your monthly obligations, outstanding payments and how much room you have financially.

## 3. Create a plan

Build a personal repayment plan from what you have entered and see how different monthly payments can play out.

## 4. Keep going, step by step

Keep track of your payments, update your progress and adjust your plan when your situation changes.

You always decide which data you enter. Connecting your bank account is optional, and Norta cannot make payments or transfers from your account.