You're Helping Others Plan Their Financial Lives—We Give You the Data and Tools to Do It Right

Too many people make big life decisions—college, career, housing—without understanding how those choices will affect their future cash flow. The result? Financial stress, poor credit, and missed opportunities.

No one should have to guess what life will cost.
At SPENDiD, we help you give people clear, personalized financial insight—before they make costly decisions.

Here’s how we make that possible:

✅Start with Who They Are, Plus Where They Want To Be
Predictive budgets based on age, job, location, income, and lifestyle.

✅Give Real-World Context
Show what similar people spend, save, and struggle with.

✅Deliver Actionable Clarity
Equip users with a realistic cash flow plan—before they sign a lease or take out a loan.

Find the Right SPENDiD Solution For You:

🌟 SPENDiD MyBudgetReport Web Application

For educators, counselors, advisors, and students

Help young people plan their financial future before they make costly decisions. MyBudgetReport simulates real-world budgets using localized occupation-based salary, fair market rent, and lifestyle costs, so users can clearly see what life will really cost and how to stay on track.

🧩 SPENDiD Embeddable BudgetWidget

For banks, credit unions, and member-focused organizations

Simple 24/7 lead generation without custom development. Embedded on your site in minutes, BudgetWidget uses predictive models and peer spending benchmarks to engage visitors, create connection, and improve financial wellness right from your homepage.

🔌 SPENDiD REST API For Developers

For developers, fintechs, and enterprise platforms

Build smarter financial products using our robust API. Get localized income and expense predictions, peer benchmarks, and cash flow simulations that integrate seamlessly into your app or platform.

What Can SPENDiD Do For You?

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 How SPENDiD Works to Make Lives Easier

Simple Variables That Drive SPENDiD’s Predictive Results

OCCUPATION

INCOME

LOCATION

AGES

# IN
HOUSEHOLD

RENT VS OWN

Why SPENDiD?

  • 🧠 Smarter Than Generic Budgets
    Every simulation is tailored to real job titles, local rent estimates, and relevant spending patterns.

  • 📍 Location-First Forecasting
    We help users understand what an occupation pays, and what life costs where they plan to live.

  • 👥 Peer-Validated Spending Insights
    SPENDiD compares users to others with similar characteristics—age, location, income, and lifestyle.

  • 🔒 Private & Easy to Use
    No bank connections. No personal data sharing. Just clarity from day one.

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

🥇 Educational Institutions (Schools, Colleges, EdTech Orgs)

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

🥉 Financial Advisors, Credit Counselors, Nonprofit Coaches

🏅 Banks & Credit Unions (Alternative data for underwriting, connecting with Gen-Z)

✅ 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)

SPENDiD empowers 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.

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