1
Start with the scenario
Add the facts the person can name — income or occupation, location, household, and the decision being considered. No connected bank account or transaction history is required.
See the financial impact. Before the decision.
Give your clients, members, and learners a clearer view of how career, location, and household choices could affect their finances.
U.S. public economic data.
Explainable estimates.
No bank linking.
Who SPENDiD serves
A better starting point for the conversation.
Gathering usable household expenses, reviewing financial tradeoffs, and relating pay and location to real life takes time. SPENDiD turns a small set of facts into forward-looking context that a counselor, member-service team, educator, or product can review with the person making the decision.
Credit and debt counseling
Give counselors a modeled starting point they can review with each client, so more of the session can focus on gaps, tradeoffs, and next steps.
Explore counselor readinessCredit unions
Bring localized affordability and cash-flow context into member conversations around major decisions and financial transitions.
See the credit union pathEducation & workforce
Connect careers, wages, location, and living costs so learners can see what a pathway may support before committing.
See the learner pathPlatforms
Add forward-looking estimates and decision context to an existing product or institutional workflow.
See the platform pathHow it works
From a few inputs to a conversation-ready estimate.
2
See the modeled picture
SPENDiD combines income, household, and cost assumptions into forward-looking expense and cash-flow context, with peer benchmarks for comparison.
3
Review and adjust
Use the estimate as a transparent starting point, change the assumptions that don't fit, and discuss what the tradeoffs may mean.
In use today
Grounded estimates. Informed conversations.
GreenPath uses SPENDiD expense estimates in its financial counseling workflow — with the reported goal of giving counselors more time for counseling rather than gathering expense information.
Modeled from U.S. public economic data
SPENDiD uses modeled household budget data, location-based cost assumptions, wage and expense inputs, and peer comparison logic to provide affordability context.
Reviewable and adjustable
Every estimate can be questioned and changed with the person it affects. The model informs the conversation; it doesn't replace professional judgment.
Clear about its limits
Estimates are planning context — not actual costs, not a credit score, and never a lending decision.
SPENDiD does not make lending decisions and is not a credit score.
Three delivery choices
Use SPENDiD in the way that fits your organization.
SPENDiD API
Build with our estimates
Use SPENDiD capabilities inside your own product and workflow.
Learn moreSPENDiD Widget
Embed the experience
Place a guided predictive experience inside your existing digital journey.
Learn moreLifePreview by SPENDiD
Offer a guided decision journey
Help people compare the financial shape of a career, move, or household choice.
Learn more
See where it fits