We Make Personal Finance Apps Smarter

Our REST API makes it easy for fintech developers to offer income forecasting, automated budgeting, cashflow scoring, and peer spending comparisons.

Occupation-to-Income by location

  • Provide earnings insights for over 800 occupations by location to empower informed career decision-making.

Peer Spending Benchmarks

  • Let users compare their spending habits by category with their peers.

Create Budgets Automatically

  • Set a Savings Goal and let SPENDiD guide users to the budget to get them there.

Fair Market Rent by Location

  • Deliver accurate rent benchmarks by zip code and metro area, avoiding housing sticker shock.

Cash Flow Health Scoring

  • Simple built-in metrics to easily assess the ability to pay and relative cash flow capability of users.

Include SPENDiD’s REST API magic in your consumer fintech application

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 GradBudget I felt like I was starting at 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

Demographic Profile Variables That Drive SPENDiD

INCOME

ZIP CODE

AGE

# IN
HOUSEHOLD

RENT VS OWN

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

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

Our Benchmark Spending Data & Smart Technology Did The Hard Work For You Already.

SPENDiD 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.