nowfound

Dev tools · June 20, 2021

SPENDiD

Simple automated budgeting API for digital banking & fintech

SPENDiD launched on June 20, 2021 with 4 votes. The site was still online in September 2026, 5 years on.

What it does

The SPENDiD API empowers developers to offer app users an addictively simple, peer comparative "done for you" budgeting experience. Includes cash-flow health scores, lending risk metrics, and actionable personalized marketing insights for each user vs peers.

Occupation, location, expenses, benchmarks, and cash-flow health signals — as API, embedded Widget, and LifePreview for institutions.

SPENDiD connects occupation, income, location, expenses, peer benchmarks, and budget-health signals — so people, platforms, and institutions can see financial context before the decision is made. Most financial tools look backward at what already happened. SPENDiD looks forward at what a decision may mean — and delivers that context to the platforms, institutions, and people who need it in the moment. Estimate the income a career path may realistically support in a specific market. Project what life may actually cost in a given ZIP code or metro, by household situation. Build forward-looking expectations before there is history to draw from. See where a projected budget sits relative to…from spendid.io

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