SPENDiD is a smart financial tool that helps you understand what your life might actually cost based on where you live, how much you earn, and a few other basic details. It gives you a realistic monthly budget, shows how your spending compares to others like you, and helps you figure out how much you could be saving. It’s fast, private, and doesn’t require bank account access or spreadsheets.

SPENDiD uses data from trusted sources to build a personalized budget just for you. You enter a few things like your zip code, age, income, household size, and whether you rent or own your home. Then it estimates what people like you typically spend on housing, food, transportation, and more. It gives you a full monthly budget, a Budget Health Score, and a prediction of how much money you could be saving each month.

Prophecy is our flagship web application. It’s designed to help students, young adults, and anyone planning for their future get a clear financial picture—fast. You answer a few simple questions, and Prophecy gives you a detailed monthly budget, shows how your expenses compare to similar people, and helps you make smarter choices about jobs, housing, and lifestyle. It works great on phones, laptops, or tablets, and you don’t have to connect your bank and credit card accounts to use it.

BudgetWidget is a simplified version of our tool that can be embedded into any website. It gives visitors a quick and easy way to check their estimated monthly budget and compare it to peers with similar income and location. It’s perfect for schools, nonprofits, or organizations that want to offer a free and valuable resource. You can even use it to collect leads by asking for an email to view full results or link the results to a specific page on your site.

The SPENDiD API is a tool for developers and organizations who want to use our technology inside their own apps or platforms. It lets you send in basic user info and get back a realistic, peer-based budget, complete with scoring and savings projections. Our v2.0 version is faster, more flexible, and easy to integrate. It’s great for educational platforms, fintech tools, or career planning services that want to guide users with trustworthy budget predictions.

SPENDiD builds its budget estimates using public data from sources like the U.S. Census Bureau, the Bureau of Labor Statistics, and the Department of Housing and Urban Development. We combine this with our own smart modeling to figure out what people typically spend based on their income, age, and location. Our data is updated often to stay current with real-world changes.

No, and that’s one of the best things about it. You don’t have to link your bank accounts, upload statements, or worry about security. SPENDiD uses the information you choose to share—like your income and living situation—to create a smart estimate of your spending. It’s private, safe, and doesn’t require sensitive personal information.

The Budget Health Score is a number that helps you see how balanced your predicted budget is. It looks at your income, typical expenses, and how much room you have left over for saving or unexpected costs. A higher score means your financial outlook is strong. A lower score means you may need to make changes—like spending less on certain categories or increasing your income. It’s a helpful way to check if you’re on the right track.

Your Predicted Saving Ability is an estimate of how much money you could realistically save each month, based on your income and expected expenses. SPENDiD calculates this for you and shows how your saving potential compares to your peers. It’s a great way to set goals and figure out what’s possible, especially if you’re planning a big move, starting a job, or just trying to save more.

Yes! One of the most useful features is being able to change your answers and test different life scenarios. You can try new jobs, cities, or housing options and instantly see how your budget and savings would change. It’s perfect for comparing job offers, deciding whether to rent or buy, or figuring out if living with a roommate would really save you money.

SPENDiD is great for:

• Students preparing for life after graduation

• Young adults figuring out how to afford rent, food, and transportation

• Parents or counselors helping others make smart money decisions

• Educators and platforms that teach personal finance and career readiness

• Financial Advisors seeking connection with children of clients to continue a multi-generational relationship

Anyone who wants to plan a better financial future, or guide others to one, will benefit from SPENDiD.

Absolutely. SPENDiD is designed to fit easily into financial literacy programs, career counseling tools, or any LMS (Learning Management System). It’s mobile-friendly, doesn’t require a login, and gives students instant feedback they can use. It can also be added to school or nonprofit websites as a self-guided planning tool.

Most budgeting apps ask you to track your spending or connect your bank accounts. SPENDiD is different. It’s about planning your future—not reviewing the past. Instead of tracking what already happened, we help you predict what’s likely to happen based on your situation. It’s perfect for people just starting out who want a realistic view of their money before they spend it.

Yes. We offer a developer-friendly REST API that makes it easy to integrate SPENDiD into apps, dashboards, portals, and learning platforms. You can use it to give users a budget estimate, cash flow score, and peer comparison—all without needing financial account data. We offer sample code, sandbox access, and help getting started.

Yes! You can try Prophecy or BudgetWidget right from our website at www.spendid.io. Most features are available with no login or payment required. If you're a developer or educator, you can also request free access to test our API or explore partnership options.

You can:

• Embed BudgetWidget on your website with just a few lines of code

• Offer Prophecy to students via a custom web link

• License the SPENDiD API for full integration into your platform

• Customize call-to-actions, lead capture, or branding as needed
  We’ll help you choose the best setup for your goals.

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.