The predictive financial intelligence layer for your platform.
Occupation, location, expenses, benchmarks, and cash-flow health — as endpoints. Built for fintechs, credit unions, lenders, workforce platforms, student success tools, financial wellness providers, and career planning products.
POST /v1/budget-health
{
"occupation": "registered_nurse",
"location": { "zip": "43215" },
"household": { "adults": 2, "children": 1 }
}
→ {
"income_range": { "low": …, "mid": …, "high": … },
"localized_expenses": { "housing": …, "transport": …, … },
"peer_benchmarks": { … },
"budget_health": "stretched",
"notes": ["housing above peer norm"]
}Illustrative example. Not a real endpoint contract.
- Occupation
- Income
- ZIP / area
- Age
- Household
- Rent vs. own
Capabilities delivered as endpoints
Occupation-to-income by location
Estimate income ranges for an occupation in a specific geography, factoring experience level and local wage data. Useful for career planning, workforce alignment, relocation previews, and early-career expectations.
Localized expense projections
Project realistic household expenses by ZIP code or market — housing, transportation, food, healthcare, taxes, child-related costs where applicable, and other recurring categories. No bank linking required.
Predictive household budgeting
Generate forward-looking budget expectations for users who don't yet have financial history, connected accounts, or lived experience in a location.
Peer benchmarks
Compare a household's projected or self-reported spending to similar households and surface where categories run above, below, or near peer norms.
Fair Market Rent by location & unit size
Housing benchmarks by dwelling size and geography (ZIP code or metro area) so partner experiences can ground rent-or-buy and relocation conversations in realistic local costs.
Budget Health Score & Predictive Savings
Evaluate whether a projected scenario appears stable, stretched, or at risk based on income, expenses, household context, and affordability patterns — and surface predicted saving ability alongside it.
Alternative credit-adjacent metrics
Add affordability context that can complement traditional credit attributes — especially for thin-file users or forward-looking scenarios. SPENDiD does not make lending decisions and is not a credit score.
Scenario comparison
Run career, location, housing, and household scenarios side by side, programmatically.
Layer predictive affordability and cash-flow health into onboarding, product recommendations, and financial wellness flows.
Enrich member conversations with localized affordability context and budget-fit signals.
Add credit-adjacent affordability context to borrower-preparedness workflows.
Connect training and career pathways to realistic income and cost-of-living outcomes.
Give students expectation-setting before major education and career choices.
Surface budget-fit and cash-flow health signals inside coaching journeys.
Turn occupation choices into localized budget realities.
- — It does not make lending decisions.
- — It does not replace credit scores or bureau data.
- — It does not require bank account linking or account aggregation.
- — It does not guarantee approvals, denials, or regulatory outcomes.
Pricing depends on use case, implementation model, audience size, and integration needs.
SPENDiD does not make lending decisions and is not a credit score.