Income Estimators

The Income Estimator predicts the likelihood that a subject belongs to a higher income segment, using behavioral signals derived from their email address. It does not verify actual income or predict an individual's exact monthly earnings. Instead, it returns a probability score that the subject is a high earner, along with a simplified income tier and a reference income range associated with that tier.

Income Estimator is well-suited for pre-screening, customer segmentation, and enriching credit decisioning workflows where verified income documentation is unavailable or impractical to collect.

Income Estimator checks are synchronous: the result is returned immediately in the API response.

Supported Markets

How an Income Estimator Request Works

1. Submit a request using POST /incomes/alpha/incomeestimators. Provide templateId, consent, emailAddress, and countryCode.

2. Receive the result synchronously. The API returns the complete IncomeEstimator object in the response body. When resultCode is SUCCESS, the result object contains the model outputs.

3. Evaluate the outputs. Use probability as the primary decisioning signal. tier is a convenience label for segmentation and display purposes. See Interpreting the Outputs below.

The IncomeEstimator Object

Request Object

IncomeEstimator Object

This is the object returned in the API response.

Result Object

Income Object

Statuses

Because Income Estimator checks are synchronous, responses typically return with status: COMPLETED immediately.

Result Codes

Interpreting the Outputs

Probability (Primary Signal)

probability is the model's raw prediction score — the likelihood that the subject is a high earner. It ranges from 0 to 1. Use it as the primary decisioning input.

Two subjects can receive the same tier while having meaningfully different probability values. For automated decisioning, always use probability directly rather than relying on tier alone.

Recommended thresholds in the table above are illustrative. Calibrate against your organization's risk appetite and historical performance data.

Tier

tier maps the probability score to a simplified income segment. It is intended for customer segmentation, UI display, and portfolio reporting — not for direct use as a decisioning threshold.

Income Range (monthlyMin / monthlyMax)

The income object returns the predefined range boundaries for the predicted tier. These values are not a personalized income estimate — every subject classified into the same tier receives the same monthlyMin and monthlyMax. The range represents the tier boundary, not an individual prediction.

Certainty

certainty measures how far probability is from the model's decision boundary of 0.5. A HIGH certainty means the model's prediction is decisive in either direction — it does not indicate which direction. This can be counterintuitive:

Use certainty alongside probability to gauge result reliability, not to interpret direction.

What Income Estimator Is Not

Income Estimator is a behavioral prediction tool, not an income verification product. Avoid using it as:

• An exact prediction of a subject's monthly income
• A substitute for verified income documentation
• The sole approval criterion for any lending or credit decision

Sample IncomeEstimator Data

{
  "id": "iest-9ae6f7f14b0640e69c5199c2453d2f92",
  "createdAt": "2026-08-18T06:32:14Z",
  "status": "COMPLETED",
  "resultCode": "SUCCESS",
  "resultMessage": null,
  "requestMeta": {
    "templateId": "tpl-incomeestimator-001",
    "emailAddress": "[email protected]",
    "countryCode": "PH",
    "consent": {
      "type": "Terms And Conditions",
      "version": "1",
      "consentedAt": "2021-04-14T09:30:24Z",
      "consentedWith": "I agree to the terms and conditions.",
      "consentTemplateId": null
    }
  },
  "result": {
    "income": {
      "monthlyMin": 17251,
      "monthlyMax": 29250,
      "currency": "PHP",
      "tier": "HIGH"
    },
    "probability": 0.7388,
    "certainty": "MEDIUM",
    "modelVersion": "1.0.0"
  }
}

Sandbox Testing

Use the following values to trigger a SUCCESS response in the Sandbox environment. Any other valid input combination will return resultCode: NO_DATA.

Endpoints