Abstract: A system and method for automated personalized financial planning is disclosed. The financial planning system includes a data receiving module for receiving a data input of at least one user account, a target information from the user. A manager module manages the data input. Further in, a machine-learning based prediction module derive learning from the data input for predicting a cashflow information. The financial planning system includes a planning module generating a financial plan based on the data input comprising of recommendation for achieving the target information.

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.