SPENDiD Developer Hub

Our API platform helps you build FinTech apps in radically less time and at lower cost. SPENDiD provides powerful, off-the-shelf functions to generate demographic models, personalized budgets, plus financial health and lending scores.

You'll find comprehensive guides and documentation here to help you start working with our services quickly, as well as support if you get stuck.

Please be sure to also visit our main site at https://www.spendid.io/

Get Started    API Reference

Data Glossary

Demographics

The demographic profile contains generic information about a household. Each property represents an axis of spending and budgeting behavior tracked by our team. The Demographics service combines this information into a behavioral model.

We use these generic models in comparison to an actual user's key data to highlight marketing opportunities, build personalized budgets, and score cash-flow health or lending risk.

Property

Description

age

age of household's primary earner

gross_annual_income

gross annual income (before taxes) of the household

is_homeowner

renter vs. owner flag

household_members

number of individuals in the household (including dependents)

net_annual_income

net annual income (take home) of household. used in calculations as the budget total.

zip

United States postal code

Budget Categories

SPENDiD API services accept and return budget and spending data using a single object structure.

This concise format makes it simple to validate, transfer, and visualize budget information as a whole.

Each property corresponds with a discrete spending category we track and aggregate.

You are free to use our model or map our output to yours using the transformer we provide.

Code

Description

alcoholic_beverages

Whether consumed at home or away from home

cash_contributions

Charitable contributions plus payments for alimony and child support, including cash paid for the support of students away from home

cellular_phone_service

Cellular charges for voice and data

clothing_items_and_services

Purchases of items and services related to clothing and other accessories including shoes, jewelry, and related apparel cleaning and repair

education

All costs of tuition, fees, textbooks, supplies, and equipment for all levels of school or vocational training from nursery school through university and graduate programs

electricity

Power bill

fees_and_admissions

Admission paid to events such as sports, movies, concerts, and theater; Membership fees for country clubs or other recreational organizations; Dues paid for other social, entertainment, recreational, and fraternal organizations

food_home

Expenditures for food items purchased from grocery stores (or similar) for preparation and consumption at home or to be taken from home to work, school or elsewhere in lieu of payment for dining out

food_out

Expenditure for all meals and non-alcoholic beverages whether at a full-service restaurant, fast food drive-thru or concession stand, etc..

furniture_and_appliances

Furniture for use inside or outside the home; major or small appliances; floor coverings, draperies, misc housewares

gasoline

Gasoline, motor oil and diesel fuel

health_insurance

Health insurance costs whether PPO, HMO, Medicare supplements or other forms of health-related insurance

heating_fuels_other

Coal, wood, bottled gas or kerosene

home_maintenance_and_repairs

Expenditures paid to contractors for repairs and maintenance to the dwelling, or for materials used in owner-performed repairs of the dwelling

household_operations

Expenditures for all other services related to ongoing household operations such as housekeeping, lawn, pest, baby-sitting, daycare, home-security, appliance repairs, moving costs, etc...

housekeeping_supplies

Expenses incurred for household products including laundry, cleaning, and lawn & garden supplies

life_and_personal_insurance

Premiums paid for whole life and term insurance, or other insurance not for homes and vehicles.

media_hardware_and_services

Purchase and repair of electronic devices such as TV sets, sound systems, media storage, video games, etc...

medical_services

Payments made to doctors, dentists, hospitals, lab tests, elder care, and other medical care services

medical_supplies

Payments for medical-related supply items such as first aid kits, braces, eyeglasses, hearing aids, etc...

miscellaneous

Expenses not elsewhere classified

mortgage_and_rent

Rent or mortgage payments (including principal, interest and property taxes)

natural_gas

Natural gas bill for home heating and/or cooking

other_debt_payments

Debt service other than mortgage or vehicle payments - Includes student loans, home equity loans, or accumulated credit card debt payments

other_lodging

Expenses for lodging while away from home such as hotels, college dorms, vacation rentals, Airbnb, hostels, etc...

personal_care

Expenditures for personal care appliances, other products and service providers for hair, shaving, cosmetics, oral hygiene, etc...

pets

Pet food, veterinary expenses, other pet supplies

prescription_drugs

Drugs whether prescribed or over-the-counter, including vitamins and supplements

public_and_other_transportation

Fares paid for rideshare services, airlines, trains, subways, buses, taxis, etc...

reading

Subscriptions or payments for books, magazines, whether online or hard-copy

residential_phone_service

Phone-bill including internet charges

savings

Savings out of take-home pay (i.e. excludes deferrals such as 401k withholding)

tobacco_and_smoking

Tobacco, cigarettes, cigars and related items such as vaping supplies, lighters, etc...

toys_and_hobbies

Expenses for games, toys and hobbies

vehicle_insurance

Premiums paid for insuring cars, trucks, boats, etc...

vehicle_maintenance_and_repairs

Expenditures for routine and breakdown maintenance of household vehicles. Includes replacement items such as tires, batteries, coolants, etc...

vehicle_purchase_and_lease

Purchase or lease payments for vehicles including cars, trucks, motorcycles, RVs, etc...

water_and_public_services

Expenses for water and sewer, garbage collection, septic tank services, etc...

Updated 7 months ago

Data Glossary


Suggested Edits are limited on API Reference Pages

You can only suggest edits to Markdown body content, but not to the API spec.