Features How It Works Voice AI Pricing About Contact 🚀 Open Telegram Bot
72
Live on Telegram · @MardRiskAI_bot

Most people lose money
without realizing it.
Check your financial risk
before it's too late.

MardRisk AI gives you a personal risk score in under 5 seconds — so you know exactly what every financial decision costs you, before you make it.

Free forever · No sign-up · Results in 5 seconds
Risk Score
72/100
⚠️ Moderate
🛡️
MardRisk AI
● online
👋 Hi! Tell me your monthly income and usual spending — I'll show you what's at risk.
Salary $2,000. I spend about $400 on food, $200 subscriptions, eating out often.
⚠️ Analysis complete
84
🔴 High Risk
out of 100
Overspending82%
Subscriptions67%
Savings12%
💸 At this rate you will lose $400 in 2 months.
Privacy
🔒 Zero Storage
Your data is safe
Personal Risk Score
Purchase Risk Check
AI Financial Advice
Voice AI Advisor
3 Languages
Zero Data Storage
Instant Results
Free to Start
Personal Risk Score
Purchase Risk Check
AI Financial Advice
Voice AI Advisor
3 Languages
Zero Data Storage
Instant Results
Free to Start
⚠️ 87% of people make bad financial decisions weekly

Are you one of them?

Trusted by smart money minds
1k+
People already checked their Risk Score
<5s
Risk score delivered in seconds
3
Languages: English, Armenian, Russian
$0
To start. No credit card needed.

Six tools.
One bot.

Everything you need to make confident financial decisions — without spreadsheets, advisors, or complicated apps.

Core Feature
📊

Personal Risk Score

A real-time risk score from 0 to 100 that analyses your income, spending habits, debt exposure, and savings rate — giving you a single, clear verdict on any financial decision.

72
⚠️ Moderate Risk
out of 100 · Higher = Riskier
Affordability60%
Necessity35%
Savings Buffer78%
🛒

Purchase Risk Check

Before any purchase, ask the bot. Describes the item and price — get a green, yellow, or red signal in seconds.

🟢 Safe Buy
🟡 Risky
🔴 Avoid
New

Voice AI Advisor

Speak your question, hear the answer. Hands-free financial analysis in your language.

Tap the mic to hear a demo…
🌐

3-Language AI

Full fluency in English, Armenian, and Russian. Switch mid-conversation — the AI never loses context.

🇬🇧 English
🇦🇲 Հայերեն
🇷🇺 Русский
🔒

Private by Design

Your financial data stays inside your Telegram conversation. Zero data collection, zero accounts, zero tracking.

🌐 Coming Soon

Web App

A full browser dashboard is coming — track history, view analytics, manage budget. No Telegram needed.

🚧 In Development

From question
to answer in 30s

Zero setup. No installation. Start inside Telegram and get your first analysis in under 30 seconds.

💬
01
Open the Bot
Find @MardRiskAI_bot on Telegram. Tap Start — no registration, no email needed.
🌐
02
Choose Language
Pick English, Armenian, or Russian. Switch anytime — even mid-conversation.
🗣️
03
Describe Finances
Type or speak naturally — income, a purchase, a budget question. No forms, no fields.
🧠
04
AI Analyses
Advanced financial intelligence processes your input using real risk models.
📊
05
Get Score + Advice
Clear 0–100 risk score, category breakdown, and specific actionable next steps.
Press play to hear MardRisk AI introduce itself in your language…

Your finances,
heard and answered

MardRisk AI now supports full voice interaction. Ask a question out loud — in Armenian, Russian, or English — and receive your risk score and advice read back to you. No typing required.

🗣️
Natural Voice Queries
Speak like you'd talk to a friend — "Should I buy this?" — AI understands intent.
🔊
Spoken Responses
Get your risk score and advice read back to you — perfect for driving, cooking, or multitasking.
Under 3 Seconds
Voice-to-analysis faster than any human advisor, in real time.
🎙️ Try Voice AI on Telegram

Simple,
honest pricing

Start for free. Upgrade when you need more. No hidden fees, no surprises.

Free
Everything to get started today
$0
Forever free · No card required
  • Personal Risk Score
  • Purchase Risk Check
  • AI Financial Advice
  • 3 Language Support
  • No Registration Required
  • Advanced Analytics
  • Voice AI Access
  • Monthly Reports
Start Free →

Your finances,
now on the web

The full MardRisk AI experience is live in your browser. No Telegram required — track, analyse, and plan from any device.

What people
are saying

⭐⭐⭐⭐⭐
"Saved me from a terrible purchase. I was about to spend $800 I didn't really have. The bot said red. I listened."
👨
Armen K.
Yerevan, Armenia
⭐⭐⭐⭐⭐
"Finally an AI tool that speaks Armenian. And actually gives useful financial advice. Incredible."
👩
Ani M.
Yerevan, Armenia
⭐⭐⭐⭐⭐
"The risk score is shockingly accurate. It knows my financial habits better than I do."
👨
Dmitri V.
Moscow, Russia
Start Today — It's Free

Make your next
financial decision
with confidence.

No sign-up. No app. No credit card. Just open Telegram, start the bot, and get your personal risk score in under 30 seconds.

Let's talk

Questions, partnerships, press — we respond within 24 hours.

✈️
📍
Location
Yerevan, Armenia 🇦🇲
⏱️
Response Time
Within 24 hours