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© Fiskil 2026. All rights reserved.
Personal Finance
Debt Management
Debt management requires tracking multiple obligations with varying rates and terms. Fiskil automatically identifies debt payments, tracks balances, and recommends optimal payoff strategies.
Users struggle to track debt across credit cards, loans, and BNPL services, missing opportunities to optimise payoff.
Multiple debts across different providers
No clear picture of total debt obligation
Uncertain which debt to pay off first
Difficult to calculate payoff timelines
Miss opportunities to reduce interest costs
Automatically identify all debt obligations from transaction data and provide optimal payoff strategies.
Automatically identify loan payments, credit card payments, BNPL installments, and other debt obligations.
Aggregate debt across all sources for complete debt visibility.
Calculate debt-free date based on current payment patterns.
Recommend avalanche or snowball payoff strategies to minimize interest and time to debt-free.
Add automated debt tracking and payoff planning to your app.
User connects bank accounts, credit cards, and loan accounts.
API analyzes transactions to identify recurring debt payments and estimate balances.
Generate payoff timelines and strategies based on available cash flow.
Monitor debt reduction progress and celebrate milestones as debts are paid off.
Track credit cards, personal loans, car loans, mortgages, BNPL, and student loans simultaneously.
Estimate interest rates from payment patterns to prioritise high-rate debt.
Calculate both strategies and show interest savings and time differences.
Model how extra payments accelerate debt payoff and reduce interest.
Project when user will be debt-free based on current payment trajectory.
Track due dates and alert users to upcoming debt payments.
A wellness app uses debt tracking to help users create debt elimination plans.
Result: Users pay off debt 40% faster with optimised repayment strategies.
A neobank adds debt management to help customers improve financial health.
Result: Users reduce total debt by average of $8,400 in first year using the feature.
A counseling service uses debt tracking for automated debt management plans.
Result: Reduced counselor time by 60% with automated debt analysis and strategy recommendations.
GET /accounts/{accountId}/debt-summaryPOST /debt-analysisGET /debt/payoff-strategiesPOST /debt/calculate-payoff-timelineDebt obligations list
Total debt amount
Monthly payment amounts
Estimated interest rates
Payoff timelines
Strategy recommendations
OAuth 2.0 / CDR consent
Yes
Credit cards, personal loans, car loans, mortgages, BNPL services, student loans, and any recurring debt payment.
Balances are estimated from payment patterns and connected account information where available.
Avalanche prioritises highest interest rate debt to minimize total interest. Snowball prioritises smallest balance for psychological wins.
Yes, users can manually add debt information for accounts not connected to banking.
Timelines are projections based on current payment patterns. Accuracy improves with longer transaction history.
Yes, the API can model variable rates and show payoff ranges based on rate scenarios.
The API detects when payments stop, marks debt as paid off, and recalculates remaining debt strategy.
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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.