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© Fiskil 2026. All rights reserved.
Personal Finance
Financial Wellness
Financial wellness encompasses more than just credit scores. Fiskil analyzes comprehensive banking data to generate holistic financial health scores and personalized improvement recommendations.
Credit scores measure borrowing behavior but ignore savings, cash flow, and overall financial wellness.
Credit score only tells part of the story
No single metric for overall financial health
Users don't know where they stand financially
Difficult to identify which areas need improvement
No clear path to better financial health
Analyze income, spending, savings, debt, and financial behaviors to generate comprehensive wellness scores and improvement roadmaps.
Score financial health across income stability, spending control, savings rate, debt burden, and emergency preparedness.
Compare financial health to peer benchmarks and best practices.
Generate specific, actionable recommendations to improve financial wellness.
Track financial health improvements over time with historical scoring.
Add comprehensive financial health assessment to your platform.
User connects bank accounts, credit cards, and other financial accounts.
API analyzes 6-12 months of financial data across income, spending, savings, and debt.
Receive overall wellness score (0-100) with component scores for each dimension.
Display personalized recommendations to improve specific areas of financial health.
Score income stability, spending control, savings rate, debt management, and emergency preparedness.
Aggregate score (0-100) summarizing overall financial health.
Track how financial wellness changes over time with historical comparisons.
Anonymous comparison to similar age/income demographics.
Specific, prioritised recommendations to improve wellness scores.
Recognition when users improve their financial wellness scores.
An employer offers financial wellness scoring as part of employee benefits program.
Result: Employee financial stress reduced by 35%, improving productivity and retention.
A bank adds wellness scoring to help customers understand and improve financial health.
Result: Customers with wellness scores increased savings by 45% and reduced debt by 28%.
A coaching platform uses wellness scores to measure client progress.
Result: Coaches demonstrate average wellness score improvement of 23 points over 6 months.
POST /financial-wellness/assessGET /accounts/{accountId}/wellness-scoreGET /wellness/recommendationsGET /wellness/{assessmentId}/historyOverall wellness score
Income stability score
Spending control score
Savings rate score
Debt burden score
Emergency fund status
Personalized recommendations
OAuth 2.0 / CDR consent
Yes
Score combines income stability, expense-to-income ratio, savings rate, debt-to-income ratio, and emergency fund adequacy.
Scores range 0-100. 70+ indicates good financial health, 50-70 needs improvement, below 50 requires attention.
Monthly or quarterly reassessment shows progress and adapts recommendations to changing circumstances.
Yes, historical wellness scores show progress and help users stay motivated.
Specific actions like "Increase savings rate to 15%", "Pay off credit card to reduce debt burden", "Build 3-month emergency fund".
Yes, wellness scores evaluate current financial health holistically, not just credit borrowing history.
While informative, wellness scores are best used for financial guidance rather than lending decisions (use credit assessment instead).
Personal Finance
Track spending against budgets automatically using real banking transactions. Help users manage their money with intelligent budget tracking and alerts.
Personal Finance
Help users achieve savings goals with intelligent tracking and recommendations. Monitor progress, optimise contributions, and celebrate milestones automatically.
Personal Finance
Help users manage and eliminate debt with intelligent tracking and optimisation. Identify debt obligations, calculate payoff timelines, and recommend repayment strategies.
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.