Checkout intelligence
Show true ownership burden or timing context next to a meaningful purchase instead of displaying price alone.
See TrueCost →Platform / API direction
ExpenseIntel should travel wherever the spending decision happens.
One decision engine. Many surfaces.
The long-term platform is broader than a website. Consumer apps, lenders, brokers, contractors, procurement systems, marketplaces and portfolio tools should eventually be able to call the same decision primitives: TrueCost, timing, market context, location evidence and project risk.
01 / Current internal services
The data and decision spine already exists.
ExpenseIntel separates deterministic decision math from connected public evidence. That makes the system easier to audit now and easier to expose through a versioned external API later.
| Service | Current role | Evidence / model | External status |
|---|---|---|---|
/api/truecost | Calculate all-in commitment burden from user-supplied economics | Deterministic model | Internal beta |
/api/timing | Compare buy-now vs wait scenarios | Deterministic scenario model | Internal beta |
/api/market | Representative U.S. market cost scan | U.S. EIA + use-intensity layer | Internal beta |
/api/address | Resolve U.S. address, coordinates, geography and tract | Census geocoder / provider abstraction | Internal beta |
/api/energy | State energy-price + building-use intensity layer | U.S. EIA + CBECS/bridge benchmarks | Internal beta |
/api/risk | Tract hazard-loss context | FEMA National Risk Index | Internal beta |
NOT A PUBLIC CONTRACT: These endpoints currently have no authentication, quota, uptime guarantee, semantic-version promise or third-party SLA. They may change while the product is still being built.
02 / Future Decision Passport
The object other products should consume.
Instead of exporting a pile of calculators, the external interface should eventually return one standardized decision object that can carry price, burden, evidence, uncertainty and the next verification step.
{
"decision": "replace HVAC system",
"category": "home_repair",
"sticker_price": 17800,
"true_cost": { "five_year": 22450, "confidence": "modeled" },
"fair_price": { "status": "benchmark_required" },
"timing": { "status": "neutral", "assumptions": ["rates", "price_change"] },
"location": { "market": "Chicago, IL", "connected_layers": ["electricity"] },
"project": { "deep_screen_available": true },
"next_verification": "obtain two scope-comparable bids",
"evidence": [{ "type": "user_input" }, { "type": "public_source" }]
}Quote overlay
Let contractor, equipment or procurement workflows attach benchmarks, scope completeness and X-Ray outputs to an estimate.
See Fair Price →Market and property layer
Attach connected public cost signals and deeper project evidence when geography materially changes the decision.
See Expense Map →Change Watch
Persist decision baselines, refresh supported public signals and surface when the economics move enough to deserve attention.
See Change Watch →