With Our APIs 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:

  • ◉ Offer unbiased peer-comparative spending behaviors by expense category (NOTE: Our research and surveys confirm your users want this feature)

  • ◉ Generate valuable spending and saving behavior models based on a few simple user inputs, or even behind the scenes with demographic and major expense category spending data you may already have access to about the user or account holder.

  • ◉ Uncover “out of the norm” spending behaviors with our always up-to-date REST API.

  • ◉ Reveal profitable “ability to pay” data to support loan approvals to thin-credit-files and the credit invisible

  • ◉ Offer automated predictive budget creation and cash flow health analysis to your users, members, or account holders, keeping them more engaged with your app or website while informing you of their personalized needs for your products and services.

  • ◉ Create and monitor simple-to-understand cash flow health scores and predicted saving ability.