Abstract: In an embodiment, a debt management system (DMS) for managing debt repayments corresponding to debt accounts associated with a user, is disclosed. The DMS is configured to couple with more funds accounts and or more debt accounts associated with the user and obtain financial records and or more debt accounts therefrom, respectively. The DMS further is to predict income in the funds accounts for a predetermined period and predict expenses to be incurred thereto for the predetermined period. The DMS further is to predict a per-day spare amount and calculate a per-day collection amount for each day of the predetermined period. The DMS further is to collect the per-day collection amount from the funds accounts on each day and transfer the per-day collection amount on each day to a collection fund account from which a payment in respect of at least one debt account is made.