# Personal Finance Management
source: https://developer.mastercard.com/open-finance-us/documentation/usecases/personal-finance-management/index.md

Personal Finance Management APIs empower you to connect with your customers to deliver clean, categorized and aggregated account data, helping them gain better financial control. Leverage our APIs to retrieve up to 24 months of account and transaction data and provide your customers a consolidated view of their finances in a single app. Provide not just data but analytics and insights to help your customers manage their wealth better.

### Customers Using This Solution {#customers-using-this-solution}

Quicken's Simplifi product uses categorized, consumer-permissioned data to personalize financial recommendations. It gives users a big picture view of their finances and lets them choose how they track their money, set spending plans, pay bills, and channel money into rainy-day funds.  

## How It Works {#how-it-works}

After a customer consents access to their accounts, all the account and transaction data is retrieved using our APIs. The results can then be used in your financial apps to help your customers improve their finances through monitoring, budgeting, analytics and more.

Call the following APIs to provide your customers consolidated data from all their accounts in one place:

* Regardless of the API you want to call, you will first need to generate a URL to launch the [Mastercard Data Connect](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md) application that allows your customers to link their accounts and provide you the permission to access their financial data through Mastercard Open Finance. The Data Connect application is the only way you can allow your customers to link their accounts and is mandatory for integrating with any Mastercard Open Finance APIs.

* [Webhooks](https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md) allow your app to receive notifications about Data Connect events and to listen for when reports have been generated.

* You can call the appropriate [Refresh Customer Accounts endpoint](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/data-refresh/index.md) to refresh the latest account and transaction data for a customer. This is an optional step as this call is in addition to the periodic refresh Mastercard performs to update data from accounts added by customers.

* [Get Customer Accounts](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md#account-full-details-afd-and-account-limited-aggregation-ala) to get all accounts owned by the given customer.

* [Get Customer Account Statement](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-statements/index.md) to retrieve customer's bank statements.

* [Get All Customer Transactions](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md#transaction-aggregation-tau-and-account-transaction-details-atd) to get all transactions available for this customer within the given date range, across all accounts.

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This solution uses the following services:

#### Transaction Data {#transaction-data}

Get all transactions available for a customer, across all accounts.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md)

#### Account Aggregation {#account-aggregation}

Get real-time account data, refreshed daily.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md)

#### Account Statements {#account-statements}

Retrieves the customers Financial Institution (FI) statements.


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[Documentation →](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-statements/index.md)
Diagram usecase_pfm

## Next Steps {#next-steps}

![Quick Start Guide](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_quickstart.png)

### Quick Start Guide {#quick-start-guide}

Get started with using Mastercard Open Finance APIs in less than 30 minutes.


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[Get Started →](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md)
![API Reference](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_apireference.png)

### API Reference {#api-reference}

Find detailed explanation of all resources available through Mastercard Open Finance API.


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[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md)
![Postman](https://static.developer.mastercard.com/content/open-finance-us/uploads/usecases_nextsteps_postman.png)

### Postman {#postman}

Run the Postman Collection to start using Open Finance API without the need to write any code.


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[Learn More →](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md#4-run-the-postman-collection)