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© Fiskil 2026. All rights reserved.
Personal Finance
Budget Tracking
Budgeting fails when it requires manual effort. Fiskil enables automated budget tracking by categorizing transactions and comparing spending against budget limits in real-time.
Users start budgeting with good intentions but abandon it due to the manual effort required.
Manual transaction entry is tedious and forgotten
Impossible to track spending across multiple accounts
By the time you see the problem, budget is already blown
90% of budgeters give up within 3 months
No real-time visibility into budget status
Automatically track spending against budgets by categorizing real bank transactions and alerting users before they overspend.
Every transaction is automatically categorized and counted against relevant budget categories.
Track spending across all connected accounts for comprehensive budget monitoring.
See current spending vs budget limits in real-time as transactions occur.
Alert users when approaching or exceeding budget limits to prevent overspending.
Add automated budget tracking to your personal finance app.
User authorizes access to bank accounts for transaction monitoring.
User sets monthly budget limits for categories (groceries, dining, transport, etc.).
API categorizes transactions and tracks spending against budgets in real-time.
Alert users when they reach 80%, 100%, or exceed budget limits.
Create budgets for any spending category (groceries, dining, shopping, entertainment, etc.).
Support monthly, weekly, or custom budget periods.
Automatically roll over unused budget to next period or reset to fresh limits.
Show spending trends, category breakdowns, and comparison to previous periods.
Configurable alerts at custom thresholds (50%, 80%, 90%, 100%).
Suggest realistic budget limits based on historical spending patterns.
A budgeting app uses automatic tracking to help users stick to spending plans.
Result: Users save average of $450/month with automated budget alerts preventing overspending.
A neobank adds budget tracking to help customers manage discretionary spending.
Result: Feature adoption rate of 65% with 80% still actively using after 6 months.
A family budgeting tool tracks household spending across multiple accounts.
Result: Families reduce unnecessary spending by 30% with visibility into combined expenses.
POST /budgets/createGET /budgets/{budgetId}/statusGET /accounts/{accountId}/spending-summaryPOST /budgets/{budgetId}/track-transactionBudget limits by category
Current spending by category
Remaining budget
Budget status (on track/over budget)
Spending trends
Category breakdowns
OAuth 2.0 / CDR consent
Yes
Yes, budget tracking aggregates spending from all connected bank accounts for comprehensive monitoring.
All standard categories (groceries, dining, transport, bills, shopping, entertainment, etc.) plus custom categories.
Transactions are automatically categorized and matched to relevant budget categories using machine learning.
Yes, users can create custom categories and map transaction categories to their budgets.
You can configure alerts, visual warnings, or spending blocks when users exceed budget limits.
Yes, multiple users can contribute to shared budgets by connecting their individual accounts.
API provides spending percentages, remaining amounts, and trend data for visualization in your app.
Fintech
Automatically categorize bank transactions into spending categories with Fiskil's intelligent categorization engine. Turn raw transaction data into actionable insights.
Personal Finance
Provide personalized spending insights using AI-powered transaction analysis. Help users understand spending patterns, identify savings opportunities, and make better financial decisions.
Personal Finance
Help users achieve savings goals with intelligent tracking and recommendations. Monitor progress, optimise contributions, and celebrate milestones automatically.
Join hundreds of companies using Fiskil to power their personal finance applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.