01
Start with a few facts
Enter the client's income or occupation, location, household, and housing assumptions.
Financial counseling
A clearer starting point for financial counseling.
SPENDiD is designed to help counselors spend less time assembling financial context and more time working through the client's gaps, tradeoffs, and next steps.
The starting-point problem
Useful context often takes time to assemble.
A counselor may need to piece together income, housing, household expenses, and local cost assumptions before the real conversation can begin.
SPENDiD brings those inputs into one modeled starting picture. The counselor can review it with the client, adjust what is known, and spend the session on the choices that matter.
Illustrative counselor workflow
Transparent enough to review together.
02
Review and adjust
See modeled starting expenses and change the assumptions that do not reflect the client's situation.
03
Focus the conversation
Use the remaining gaps and tradeoffs to guide a more grounded discussion of possible next steps.
Designed to help
- Reduce repeated manual research before or during a session
- Bring relevant housing and household expense assumptions into view
- Give counselor and client a shared picture they can question and adjust
- Keep professional judgment and the client conversation at the center
What it is not
SPENDiD does not auto-approve a budget, replace counselor judgment, or guarantee a complete intake. It provides forward-looking planning context for review inside the organization's existing counseling process.
SPENDiD does not make lending decisions and is not a credit score.
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