About SPENDiD

A circular logo with a gradient blue-green background containing the word 'SPENDID' in white, stylized text.

What SPENDiD Does

SPENDiD combines trusted wage data, location-based living costs, and peer-validated spending insights to deliver a personalized, predictive monthly budget in minutes.

We help users:

  • Understand expected take-home pay for 800+ occupations

  • Compare living costs across cities, counties, and metro areas

  • See a realistic forecast of monthly expenses

  • Reveal their Budget Health Score — a simple indicator of future financial strength

  • Build confidence through clear, actionable guidance

No account linking. No complicated onboarding. No overwhelm.
Just clarity, confidence, and better decisions.

Who We Serve

SPENDiD supports people and organizations committed to financial readiness:

  • Colleges & Career Centers helping students plan life after graduation

  • Credit Unions & Banks guiding members toward responsible borrowing

  • Counselors & Social Service Providers supporting financial wellness

  • Job Boards & Career Platforms adding true “cost of living” context to job listings

  • Employers & HR Programs helping early-career workers stay financially stable

Our Mission

To make predictive financial guidance simple, accessible, and empowering — so every person can step into adulthood with strength, not stress.

Our Vision

A world where financial readiness is a standard part of education, career planning, and lending — not an afterthought.

The SPENDiD Promise

  • We meet people where they are.

  • We simplify the complicated.

  • We help people see what’s ahead — clearly and confidently.

SPENDiD isn’t just a budgeting tool.
It’s a future-clarity engine designed to help people make smart decisions long before money becomes a problem.

At SPENDiD, we believe every young adult deserves a confident start — not guesswork — when stepping into real-world finances.
Our platform gives students, job seekers, families, and counselors a simple way to understand what life will actually cost in different cities and how far income from a chosen career will go. 

Why SPENDiD Exists

Too many people learn about financial stress the hard way:
✔ Signing a lease they can’t afford
✔ Taking a job that doesn’t support their cost of living
✔ Accumulating debt before they understand their true cash-flow capacity

SPENDiD was created to change that.
Our tools make financial clarity accessible, visual, and immediate — helping people make smarter decisions before financial strain begins.

Leadership

SPENDiD’s founder, Craig Hill, has decades of experience in accounting and finance, including 20 years at the CFO level, founded SPENDiD to provide financial peace of mind to those who struggle with traditional budgeting methods and outdated credit scoring practices. Craig wanted to create an automated system for budgeting that uses the user's personal information and any known monthly expenses as well as SPENDiD's proprietary data and logic. His goal was to make budgeting a simple and easy process that leads to positive financial change through simple repeated engagement.

Meet the Team

  • A smiling middle-aged man with dark hair, wearing a beige jacket and white shirt, standing outdoors with green foliage in the background.

    Craig Hill

    FOUNDER & CEO

    Craig spent 20+ years as a CFO, primarily in the steel industry. Transforming complex data into easy-to-understand, actionable intelligence has always been one of Craig’s professional passions. This led Craig to spend two years building and refining the data and logic which evolved into the SPENDiD REST API and suite of cloud-based web applications powered by SPENDiD. Craig believes that well planned and executed data and technology can remove the pain and drudgery of budgeting, broaden access to financial success, and enable win-win solutions for everyone involved.

  • Portrait of a man with dark hair and a beard, wearing a teal turtleneck sweater, smiling against a black background.

    Pawan Panwar

    HEAD OF DEVELOPMENT

    Pawan is the CEO & Co-founder of Creative Buffer, a leading software development and consultancy firm in Chandigarh, India. Since joining forces with SPENDiD as head of development, Pawan has become as passionate about SPENDiD and its mission as Craig is (well, almost). Pawan hopes one day to bring SPENDiD-powered financial insights and financial wellness assistance to the vast market of India. Creative Buffer’s deep bench of technical talent has become an integral part of SPENDiD.

  • A man with curly dark hair, glasses, and a beard smiling at the camera.

    Keith Weber

    API ENGINEER

    Keith is full-stack developer, prototyper, learner and thinker. having spent a career working in all areas of the SDLC for enterprises and startups. More than a decade in .NET and recent projects in JS and cloud-native AWS stacks. Has served as strategic consultant and fractional CTO. Energized by learning and applying new technologies, Keith took Craig’s predictive consumer spending data and logic model and “coded it to life” as an elegant REST API.

Contact Us