Financial Foresight for Students & the People Who Guide Them

Career fit, education paths, salary expectations, and realistic life expenses—tailored by location and user profile.

Whether you're guiding others or making decisions yourself, SPENDiD Prophecy brings clarity to financial futures. Our peer benchmark data and Career Fit insights help individuals—and the professionals who support them—see what’s financially realistic. Just enter a profile or “what-if” scenario and watch a future-forward budget plan take shape.

Early and Lasting Financial Wellness put in reach of anyone,
with Prophecy by SPENDiD

Key Variables That Power SPENDiD’s Predictive Technology

OCCUPATION

INCOME

LOCATION

AGE

# IN
HOUSEHOLD

RENT VS OWN

A Few of SPENDiD’s Capabilities

Occupation-to-Income by Location

  • Provide earnings insights for over 800 occupations across various locations to empower informed career decision-making.

Peer Spending Benchmarks

  • Allow users to compare their spending habits by category with those of their peers.

Fair Market Rent by Location & Dwelling Size

  • Provide accurate rent benchmarks by zip code and metropolitan area, helping users avoid housing sticker shock.

Create Budgets Automatically

  • Set a savings goal and let SPENDiD guide users to the budget they need to achieve it.

Cash Flow Health Scoring

  • Utilize simple built-in metrics to easily assess the user’s ability to pay and relative cash flow capabilities.

See the SPENDiD Difference

Download .pdf
The Value of Peer Data in Personal Finance

SPENDiD Solutions:

🌟 SPENDiD Prophecy Web Application

Education and career fit guidance, predictive budgets, personalized insights, and financial health scores—perfect for individuals and groups. Ideal for schools, employers, financial advisors, and career counselors. Enjoy a 7-day free trial today or schedule a demo to explore group access options

🧩 SPENDiD Embeddable Budget Widget

Offer your audience our unique predictive budgeting tool, seamlessly embedded on your website. Ideal for mortgage brokers, real estate agencies, financial planners and others.
Generate warm leads 24/7.

🔌 SPENDiD REST API For Developers

Power your platform with modular financial insights—choose the endpoints that fit your needs, from peer spending benchmarks to lead generation tools.

Why SPENDiD?

  • 🔒 Secure & Compliant

  • 🌎 Localized Intelligence

  • 📊 Demographic Driven Insights

  • 🌍 Lead Generation Features

  • ⚡ Flexible Access: B2C subscriptions and group solutions for schools, counselors, employers, and finance professionals.

Built for Immediate Results, Designed for Lasting Impact.

SPENDiD Solutions Serve Developers, Advisors, and Educators—All Working to Prepare the Next Generation

Industries Served by SPENDiD

🥇 Educational Institutions (Schools, Colleges, EdTech Orgs)

🥈 Student Recruitment & Advising Agencies (Ed Consultants, Visa Advisors, Int’l Admissions)

🥉 Financial Advisors, Credit Counselors, Nonprofit Coaches

🏅 Financial Institutions & Credit Unions

✅ Workforce Development Orgs & Career Tech (CTE, Apprenticeship Programs)

🏘️ Real Estate Agencies & Relocation Services

📈 Employers & HR/Wellness Platforms

⚡ Fintech Platforms (PFM Apps, Budgeting Tools, Student Finance Startups)

Testimonials

  • “SPENDiD gave me a thorough understanding of what my life after college would probably cost, where I wanted to live it."

    -Beta User

  • "I didn't even have to worry about linking bank or credit card accounts. I just described myself and SPENDiD painted a financial picture for me that made sense."

    -Beta User

  • "I love the tips and advice SPENDiD apps give for every expense category, especially where it's clear I spend much more than my peers".

    -Beta User

  • "I was terrified of the 'real world' of personal finance since I had no experience and no one to really help me. With SPENDiD I felt like I was starting from third base."

    -Beta User

  • "We partnered with Craig and the SPENDiD team for data integration in our Greenpath app. Their accurate model, fast API, and responsive team made the collaboration efficient and highly valuable."

    -Sasanka Kasinadhuni - GreenPath Financial Wellness

  • “Providing tools to make financial literacy applicable and engaging is never an easy task, but when I saw SPENDiD, I knew exactly how powerful a tool it would be as part of Money Vehicle.”

    -Jed Collins - Money Vehicle

Need a simple, effective way to confidently approve more loans to those with “thin credit files” or the “credit invisible”?

Our spending data and smart technology can do the hard work for you.

Because not every profitable credit risk has a strong FICO Score.

About Alternative Credit Metrics w/SPENDiD (.pdf)

SPENDiD’s API allows any consumer finance or budgeting app to:

  • ◉ Offer unbiased peer-comparative spending behaviors by expense category (NOTE: Our research and surveys confirm your users want this feature)

  • ◉ Generate valuable spending and saving behavior models based on a few simple user inputs, or even behind the scenes with demographic and major expense category spending data you may already have access to about the user or account holder.

  • ◉ Uncover “out of the norm” spending behaviors with our always up-to-date REST API.

  • ◉ Reveal profitable “ability to pay” data to support loan approvals to thin-credit-files and the credit invisible

  • ◉ Offer automated predictive budget creation and cash flow health analysis to your users, members, or account holders, keeping them more engaged with your app or website while informing you of their personalized needs for your products and services.

  • ◉ Create and monitor simple-to-understand cash flow health scores and predicted saving ability.