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 |
|---|---|
net_annual_income | net annual income (take home) of household. used in calculations as the budget total. (Required) |
zip | United States postal code (Required) |
age | age of primary earner in household (optional) |
gross_annual_income | gross annual income (before taxes) of the household (optional) |
is_homeowner | renter vs. owner flag (optional) |
household_members | number of individuals in the household including dependents (optional) |
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 5 months ago