01
Enter what is known
Start with income or occupation, location, household, and the decision being considered.
Predictive financial intelligence for institutions
Help people see the financial impact of their next big decision.
With a few inputs — income, location, and household details — SPENDiD models likely expenses and monthly financial room for the institutions serving clients, members, and learners. No bank linking required.
Illustrative example
Inputs
Income · location · household
Estimate
Modeled expenses · monthly room
Review
Adjust assumptions with the person
Built around the conversation
A useful starting point, not another pile of financial data.
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.
02
Model a monthly picture
SPENDiD estimates likely expense categories, peer context, and room between income and expenses.
03
Review the tradeoffs
Adjust assumptions with the person and focus the conversation on gaps, choices, and next steps.
Who SPENDiD serves
Decision support for institutions that guide people.
Financial 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.
1
Start with the scenario
Add the facts the person can name. No connected bank account or transaction history is required.
2
See the modeled picture
SPENDiD combines income, household, and cost assumptions into forward-looking expense and cash-flow context.
3
Review and adjust
Use the estimate as a transparent starting point, change assumptions, and discuss what the tradeoffs may mean.
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
Offer a guided decision journey
Help people compare the financial shape of a career, move, or household choice.
Learn moreSPENDiD does not make lending decisions and is not a credit score.
See where it fits