The SPENDiD REST API is the backbone of our web applications and also provides developers with reliable data and technology to create the following:

o unique, predictive financial wellness and financial literacy solutions

o automated budgeting experiences

o peer-comparative spending benchmarks for greater personalization

o alternative credit scoring data from our proprietary cash flow health metrics

• SPENDiD's peer data comes from some of the most trusted sources, including the U.S. Bureau of Labor Statistics, Department of Housing and Urban Development, and Census Bureau.

• This underlying data is updated regularly to reflect the latest information available.

• Yes! We created SPENDiD for developers like you to begin with. Just request an API key using this email link to get started for free.

• MyBudgetReport and Budget Widget are responsive, user-friendly web applications powered by SPENDiD.

• These apps help individuals and families quickly create and understand personalized, categorized budgets based on key demographic factors and readily known basic expenses.

• All are powered by SPENDiD’s predictive logic and trusted benchmark spending data.

• Put greater financial confidence, clarity, and capability within reach of every employee.

• Boost productivity by helping ease financial stress

• Use MyBudgetReport as a fast, effective way to "get on the same page" with clients regarding their saving ability.

• Be the resource that makes positive financial results possible, even for those with no "high-level" financial literacy capability.

• Simple-to-use household budget guidance for reducing debt and growing savings can help build loyalty to your brand.

• Increase engagement and conversions by offering visitors a fun and insightful financial tool.

• BudgetWidget is a quick and easy tool for website visitors to get a personalized budget assessment and peer comparison.

• You can choose to require an email address for users to view their full results. It's perfect for lead generation or offering a valuable financial wellness resource.

• Customize the "Call-to-Action" button to lead visitors to your desired destination on your site, or to download a document, book a meeting, or any URL you prefer.

• Position yourself as a brand that cares about its audience's financial well-being.

• Take advantage of the first real innovation in budgeting since the invention of the spreadsheet.

• Help your students prepare for financial life after graduation by eliminating a LOT of the unknown.

• Create financially healthier alumni better able to give back to your institution because you helped prepare them for the “real world”.

• Increased user engagement: Offer a valuable tool to attract and retain website visitors.

• Personalized marketing opportunities: Target users based on their financial needs and goals.

• Lead generation: Capture user information for further marketing efforts.

• Build brand loyalty: Demonstrate your commitment to financial wellness.

• Enhance employee financial wellness by offering as part of a benefits package.

• Integration is simple! Add BudgetWidget to any website with a few lines of code. Contact us here and we’ll get you started in no time.

• Clear budget awareness: Understand your current cash flow health and spending patterns compared to your peers.

• It's simple and fast: No need for spreadsheets or bank connections. Just answer a few questions and get your budget and helpful insights in minutes.

• Peer validation: Gain confidence and motivation from knowing your budget aligns with similar individuals.

• Stress-free: Eliminate uncertainty and anxiety about your finances.

• No, all SPENDiD web applications work based on your demographic information and any known fixed expense amounts you provide.

• You don't need to connect bank or credit card accounts or share personally identifiable information.

• All SPENDiD applications require only basic demographic information like zip code, age, income, rent vs own, and household size.

• Plus you can change assumptions any time for “what-if” simulations.

MyBudgetReport and other SPENDiD applications offer estimates for Low / Median / and Upper annual gross salaries for over 800 professions. This data is sourced from the U.S. Census Bureau and updated monthly to reflect the most accurate information possible.

The related occupation information is derived from extensively tested AI prompts to return useful feedback about each given profession.

• SPENDiD will never sell your personally identifiable information.

• When a financial services provider you use offers one of the SPENDiD web applications as a feature for your use, that provider may request permission to access your SPENDiD input information to meet your needs for their products and services. You can opt-out at any time.

• Update your Profile assumptions and known changes to income or larger budget expenses at least monthly to reflect your new SPENDiD Budget Health Score and Predicted Saving Ability.

• Use it for "what-if" scenarios like potential moves, car purchases, or rent vs. buy decisions.

• Breathe easier knowing you've eliminated a LOT of uncertainty.

• Suppose you're having a lot of stress due to difficulty making ends meet. SPENDiD's MyBudgetReport or Budget Widget helps point you to why and what you should focus on to address your personalized situation.

• If you're already making ends meet, a SPENDiD web application offers you a valuable personalized Predicted Saving Ability (PSA) and Projected Savings Growth forecast you can have confidence in, and get motivation from.

• Commit to automating a regular savings or investment account transfer. There's enormous power in receiving assurance that a specific periodic saving amount is right for you.

• Yes, all SPENDiD web applications are fully responsive and designed for mobile, desktop, or laptop use.