Liabilities
Complete Family Liability Management - Take Control of Global Household Debt
Debt doesn't respect borders. Whether it's a London mortgage, New York credit cards, or Singapore personal loans, Know Your Dosh gives your family complete visibility and control over every liability, helping you make smarter decisions and reduce financial stress worldwide.
Mortgages
Credit Cards
Personal Loans
Home Mortgages
Add all of your individual and/or family home mortgages to get a comprehensive look at your biggest liability.
Credit Cards
Link (via our Open Banking facility) all of your credit cards seamlessly and monitor their status in real time, or add/monitor them manually.
Personal Loans
Add all of your Personal Loans to ensure you have a comprehensive understanding of your liabilities.
Why Global Families Choose Our Liability Tracking 💰
- Complete Debt Visibility: See all family liabilities in one secure dashboard
- Multi-Currency Tracking: Monitor debt in 30+ currencies simultaneously
- Payment Optimisation: Clear insight to reduce interest and pay off debt faster
- Family Coordination: Ensure everyone understands household debt obligations
Mortgage Management - Your Biggest Liability, Optimised 🏡
Primary Residence Mortgages
- Global Mortgage Tracking: Monitor home loans across multiple countries
- Amortisation Schedules: See principal vs interest breakdown over time
- Equity Tracking: Monitor home equity growth automatically
- Tax Optimisation: Track mortgage interest deductions across jurisdictions
Use Case: “The Peterson family has mortgages on their London home and Toronto investment property. Know Your Dosh tracks both loans with local currency rates and payment schedules, helping them save £15,000 annually through insight to optimise payments.”
Investment Property Mortgages
- Portfolio Mortgage Management: Track multiple investment property loans
- Cash Flow Analysis: Rental income vs mortgage payments
- Interest Rate Monitoring: Track variable rates and fixed-rate periods
- Prepayment Strategies: Calculate benefits of additional payments
- Tax Implications: Monitor interest deductions and depreciation
Commercial Property Debt
- Business Property Loans: Track commercial real estate debt
- SBA Loan Management: Small business administration loan tracking
- Construction Loans: Monitor development financing
- Bridge Financing: Short-term loan management
Credit Card & Revolving Credit Management 💳
Personal Credit Cards
- Multi-Card Tracking: Monitor all family credit cards globally
- Balance Optimisation: Develop strategies to minimise interest payments
- Credit Utilisation: Track usage ratios for optimal credit scores
- Reward Maximisation: Optimise spending for maximum rewards
Debt Reduction Strategy: “The avalanche method prioritises high-interest debt first. Know Your Dosh automatically orders those debts so you know which to target and start paying off earlier”.
Business Credit Lines
- Business Credit Cards: Track company credit card debt
- Lines of Credit: Monitor business credit lines and utilisation
- Equipment Financing: Track equipment loans and leases
- Working Capital Loans: Short-term business financing
- Merchant Cash Advances: Alternative financing tracking
Personal & Consumer Loans 🪙
Auto Loans & Vehicle Financing
- Car Loan Tracking: Monitor auto loan balances and payments
- Lease Management: Track vehicle lease obligations
- Insurance Coordination: Ensure adequate coverage for financed vehicles
- Early Payoff Calculations: Benefits of additional payments
Education Loans
- Student Loan Management: Track education debt for family members
- Repayment Plan Optimisation: Compare income-driven vs standard plans
- International Student Loans: Track education debt across countries
- Family Education Planning: Coordinate education funding strategies
Personal Loans & Lines of Credit
- Personal Loan Tracking: Monitor unsecured personal loans
- Home Equity Lines: HELOC balance and payment tracking
- Debt Consolidation Loans: Track consolidation loan progress
- Medical Financing: Healthcare-related debt management
- Emergency Loans: Short-term financing tracking
Family Debt Coordination 🤝
Shared Liability Management
- Joint Account Tracking: Monitor shared debt obligations
- Co-signer Responsibilities: Track co-signed loans and obligations
- Family Payment Coordination: Ensure all payments are made on time
- Communication Hub: Discuss debt strategies with family members
- Goal Setting: Family debt reduction objectives and progress
Multi-Generational Debt Planning
- Parent-Child Loans: Track family loans and repayment terms
- Inheritance Debt: Monitor debt that may affect inheritance
- Family Guarantees: Track family member guarantees on loans
- Estate Planning: Consider debt in estate planning strategies
- Financial Education: Teach family members about debt management
International Debt Considerations 🌏
Multi-Currency Debt Management
- Currency Risk: Monitor foreign exchange impact on debt
- Hedging Strategies: Protect against currency fluctuations
- Payment Optimisation: Time payments for favourable exchange rates
- Tax Implications: Understand international debt tax consequences
Cross-Border Debt Coordination
- International Credit: Understand how debt affects global credit
- Regulatory Differences: Navigate different country debt regulations
- Reporting Requirements: Ensure compliance with international reporting
- Professional Coordination: Work with advisors in multiple countries
Security & Privacy 🔐
Debt Data Protection
- Encryption Standards: Bank-grade encryption for all debt information
- Access Controls: Granular permissions for family members
- Audit Trails: Complete history of debt data access
- Privacy Options: Control who sees which debt information
