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© Fiskil 2026. All rights reserved.
Personal Finance
Spending Insights
Understanding where money goes is the first step to financial wellness. Fiskil analyzes spending patterns to generate actionable insights that help users improve their financial health.
Most people don't know where their money actually goes each month, making it impossible to find savings opportunities.
No clear picture of total spending by category
Unaware of wasteful spending patterns
Can't identify subscription creep and forgotten services
Miss opportunities to save on recurring expenses
Don't see spending trends until reviewing bank statements
Analyze transaction patterns to generate personalized insights about spending habits, trends, and opportunities to save.
Categorize and visualize spending across all categories with trends over time.
Generate contextual insights like "You spent 30% more on dining this month" or "You could save $80/month by reducing coffee purchases".
Identify all subscriptions and recurring payments with cost summaries.
Highlight specific areas where users could reduce spending.
Add intelligent spending analytics to your personal finance platform.
User connects accounts to enable transaction analysis.
API analyzes 3-12 months of transactions to identify patterns and trends.
Receive personalized insights, spending breakdowns, and savings recommendations.
Present insights in your app with visualizations and actionable recommendations.
Detailed breakdown of spending by category with comparisons to previous periods.
See spending by merchant to identify frequent purchases and loyalty opportunities.
Identify increasing or decreasing spending trends across categories.
Flag unusual spending patterns that deviate from normal behavior.
Compare spending to anonymized peer benchmarks (optional).
AI-generated suggestions for reducing spending in specific areas.
A digital bank provides spending insights to help customers understand their finances.
Result: Customers with insights enabled save average of $320/month by identifying wasteful spending.
A financial wellness platform uses insights to provide personalized coaching.
Result: Coaches use insights to have data-driven conversations, improving outcomes by 45%.
A budgeting app shows spending insights to help users set realistic budgets.
Result: Budget adherence improved by 60% when users understand their actual spending patterns.
GET /accounts/{accountId}/spending-insightsGET /accounts/{accountId}/spending-by-categoryGET /accounts/{accountId}/subscriptionsPOST /insights/generateSpending by category
Spending trends
Merchant frequency
Subscription list
Savings opportunities
Peer comparisons
OAuth 2.0 / CDR consent
Yes
We recommend analyzing 6-12 months of transactions for meaningful trends and insights.
Spending breakdowns, category trends, subscription costs, unusual purchases, savings opportunities, and peer comparisons.
Yes, insight generation adapts to individual spending patterns and can be customised for your app's focus.
AI models analyze spending patterns to find high-frequency purchases, expensive subscriptions, and category overspending.
Yes, insight history allows users to see how their spending patterns change and whether they've improved.
Yes, insights are generated from consented data and presented only to the account owner.
Weekly or monthly refreshes provide updated insights while avoiding alert fatigue.
Fintech
Automatically categorize bank transactions into spending categories with Fiskil's intelligent categorization engine. Turn raw transaction data into actionable insights.
Personal Finance
Track spending against budgets automatically using real banking transactions. Help users manage their money with intelligent budget tracking and alerts.
Personal Finance
Assess overall financial wellness with holistic health scores. Analyze income, expenses, savings, debt, and financial behaviors to generate actionable wellness insights.
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.