Predictive solutions empowering better financial decisions — before they’re made.
SPENDiD creates future-ready financial awareness through predictive cash-flow insights and reality-based budgeting — for every life milestone.
Available as a web app, embeddable widget, or REST API.
✅Use It
✅Offer It
✅Build With It
Three ways to bring SPENDiD intelligence to your offering:
🌟 SPENDiD Cloud
Web Application
Turnkey web application for educators, counselors, and financial institutions.
For Colleges & Counselors:
Help students and job seekers understand what their chosen career, location, and lifestyle will realistically afford. Guide better life decisions with built-in salary forecasts, local rent data, and a personalized Budget Health Score.
For Credit Unions & Financial Educators:
Offer members or clients instant, realistic cash-flow projections before borrowing or relocating — with easy-to-read dashboards, peer comparisons, and savings potential insights.
For Employers & Workforce Programs:
Use SPENDiD Cloud to demonstrate financial wellness impact, align pay ranges to local cost-of-living, and help employees make informed housing and benefit choices.
Ideal for organizations that want a ready-to-use predictive career exploration and budgeting platform — no integration required.
🧩 SPENDiD Embed
Widget Plug-in
Seamless in-platform experience for digital ecosystems and education technology partners.
For Job Boards & Career Platforms:
Empower users to preview real-world budgets for every job listing or training path — instantly seeing how income and living costs align in specific areas.
For Learning & Benefit Platforms:
Embed predictive budgeting directly inside your user experience to enhance engagement, retention, and perceived value — all with secure, co-branded integration.
For Credit Unions & Fintechs:
Add SPENDiD insights to onboarding or affordability tools to match users with loans, savings goals, or education offers more intelligently.
Ideal for partners who want to embed SPENDiD’s predictive experience into their own environment in just a few lines of code.
🔌 SPENDiD REST APIs
For Developers
Data infrastructure for innovators, developers, and enterprise partners.
For Fintech Builders & Product Teams:
Access SPENDiD’s endpoints for income forecasts, rent estimates, peer spending models, and cash-flow health scores to power new predictive experiences in your own apps.
For Research & Analytics Teams:
Combine SPENDiD’s location-based cost-of-living and peer spending data with your internal datasets for more realistic financial modeling and affordability insights.
For Enterprise Platforms & Marketplaces:
Deliver smarter user journeys — from career discovery to lending qualification — with SPENDiD’s predictive data feeding your front-end experiences.
Ideal for organizations building new financial tools, dashboards, or data-powered user journeys.
Testimonials
Far too many people make major life decisions and commitments—such as college, career, housing, and relocating—without understanding how those choices will impact their future cash flow. The result? Financial stress, toxic debt, damaged credit, and missed opportunities.
SPENDiD makes sense of what would otherwise be useless or confusing data, leading to confident and informed financial decisions.
What Can SPENDiD Do For You or Your Audience?
Occupation-to-Income by Location
Provide earnings insights for over 800 occupations across various locations to empower informed career decision-making.
Peer Spending Benchmarks
Allow users to compare their spending habits by category with those of their peers.
Fair Market Rent by Location & Dwelling Size
Provide accurate rent benchmarks by zip code and metropolitan area, helping users avoid housing sticker shock.
Create Budgets Automatically
Set a savings goal and let SPENDiD guide users to the budget they need to achieve it.
Cash Flow Health Scoring
Utilize simple built-in metrics to easily assess the user’s ability to pay and relative cash flow capabilities.
Lending Opportunity Assessment
Identify potential lending and/or debt consolidation opportunities
See How SPENDiD Works to Make Lives Easier
Simple Variables That Drive SPENDiD’s Predictive Results
OCCUPATION
INCOME
LOCATION
AGES
# IN
HOUSEHOLD
RENT VS OWN
Why SPENDiD?
🧠 Smarter Than Generic Budgets
Every simulation is tailored to real job titles, local rent estimates, and relevant spending patterns.📍 Location-First Forecasting
We help users understand what an occupation pays, and what life costs where they plan to live.👥 Peer-Validated Spending Insights
SPENDiD compares users to others with similar characteristics—age, location, income, and lifestyle.🔒 Private & Easy to Use
No bank connections. No personal data sharing. Just clarity from day one.
SPENDiD Solutions Serve Developers, Students, Advisors, Educators and Employers—All Working to Prepare the Next Generation For Financial Success.
🥇 Educational Institutions (Schools, Colleges, EdTech Orgs)
🥈 Student Recruitment & Advising Agencies (Ed Consultants, Visa Advisors, Int’l Admissions)
🥉 Financial Advisors, Credit Counselors, Nonprofit Coaches
🏅 Banks & Credit Unions (Alternative data for underwriting, connecting with Gen-Z)
✅ Workforce Development Orgs & Career Tech (CTE, Apprenticeship Programs)
🏘️ Real Estate Agencies & Relocation Services
📈 Employers & HR/Wellness Platforms
⚡ Fintech Platforms (PFM Apps, Budgeting Tools, Student Finance Startups)
SPENDiD empowers any consumer finance or budgeting app to: