With Our API You Can Unlock:
🔍 Cash Flow Health Scores
Use SPENDiD's proprietary Budget Health Score and Predictive Savings metrics to evaluate whether a user’s monthly budget is sustainable—based on real income, peer spending behavior, and fixed obligations. Ideal for:
Loan pre-qualification
Credit risk segmentation
Coaching and alerts for at-risk users
📍 Location-Based Peer Benchmarks
Display realistic expense expectations based on actual costs in over 30,000 U.S. zip codes. From housing to utilities to commuting, show users how their planned expenses compare to local peers. Perfect for:
Embedded financial education
Career and relocation planning tools
Spend guidance and financial well-being platforms
💡 Front-End Personalization
Enable users to build their own predictive budget in minutes using your app—SPENDiD supplies the data model, logic, and local assumptions. You can keep the UX and brand experience fully your own. Ideal for:
Personal Finance Management (PFM) tools
Career and college planning platforms
Digital onboarding journeys
⚙️ Modular Endpoints = Full Flexibility
Only need predicted rent values? Just want peer-level car ownership costs by zip? No problem. The API is modular—use only what you need to reduce costs and speed up implementation.
REST API
Boost User Engagement
Reveal Smarter Financial Decisions
Realize Profitable Bottom Line Results
Occupation-to-Income by location
Five levels of earnings insights for over 800 occupations, by location, to empower informed career decision-making.
Peer Spending Benchmarks
Let users compare their spending habits by category with their peers. Or capture valuable personalized marketing intel.
Create Budgets Automatically
Set a Savings Goal and let SPENDiD guide users to their budget to help them reach it.
Fair Market Rent by Location & Unit Size
Accurate rent or mortgage payment benchmarks by dwelling size and location (zip code or metro area) - enabling better decisions about housing commitments.
Cash Flow Health Scoring
Simple built-in metrics to easily assess a user or account holder’s “ability to pay” and their relative cash flow capability vs peers.
Key Variables That Drive SPENDiD
OCCUPATION
INCOME
ZIP CODE or
AREA NAME
AGE(s)
# IN
HOUSEHOLD
RENT VS OWN
Include SPENDiD’s REST API magic in your consumer fintech application
Need a simple, effective way to confidently approve more loans to those with “thin credit files” or the “credit invisible”?
Because not every profitable credit risk has a strong FICO Score.
Our Benchmark Spending Data & Smart Technology Already Did The Hard Work For You.
SPENDiD allows any consumer finance or budgeting app to: