Estimates

GET /estimates/{identifier} returns three estimates for an individual: monthly_income, employment_status and tenure. You choose how they are computed:

• how much history to use, from 3 to 24 months
• income from invoices only, or from IMSS/ISSSTE records only
• as of a past date, to backtest against loan outcomes
• a monthly series: what we would have estimated at the end of each month

The values are computed on every request and never stored. The call doesn't create a verification and isn't billed.

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All three values are estimates derived from the data available for the identifier. They are not declared or certified figures.

Access

The identifier must be an 18-char CURP with a valid consent and a verification by your company in the last 90 days. Otherwise the call returns 404 verification_not_found. 404 identifier_not_found means we have no data for that CURP.

Parameters

All parameters are optional.

• Short windows show the current situation. window_months=3 reflects the last three months. The default 12-month window intentionally gives a broader estimate.
• Long windows use whatever history exists. If an identifier has 12 months of invoices, window_months=24 divides billing by those 12 months, not by 24, so the income is not understated.
• as_of limits. It can't be in the future, and as_of minus window_months must be within the last 24 months. Otherwise the call returns 400 invalid_parameter.

Every response includes parameters with all the effective values, defaults included, and computed_at (when the values were computed, UTC). computed_at is not as_of: as_of is the date the values refer to.

Response fields

• monthly_income: estimated net monthly income in MXN, as a decimal string. null when there isn't enough data.
• income_source: where monthly_income comes from: invoices (nóminas or own billing), employment (IMSS/ISSSTE salary), blended (both) or none (no estimate).
• employment_status: employed, self_employed, retired, unemployed or unknown. See Employment Status.
• tenure: minimum verifiable tenure with the current employer, as a floor bucket.

Tenure

Tenure is counted with the current employer, so it resets when the person changes employer.

What counts toward monthly_income

monthly_income is salary (from nóminas or IMSS/ISSSTE records) plus own billing (income invoices minus expense invoices), normalized to a monthly amount over your window_months. In particular:

• unemployed has no income. monthly_income is null and income_source is none. This only applies as of today, since past dates never return unemployed.
• Severance is discounted. In a payroll invoice that combines regular pay with severance (a finiquito), only the non-severance share counts. Payroll invoices made only of one-off concepts (profit-sharing, year-end bonus, severance) don't count.
• Older payroll counts only if it's ordinary. When salary comes from payroll older than the recent window, extraordinary payroll (type E, periodicity 99) is excluded.

Past dates and IMSS/ISSSTE records

With a past as_of (and in every history month):

• Invoices are exact. Each one has its issue date, so only invoices issued on or before as_of count.
• IMSS/ISSSTE records use the current salary. A record counts if it was active on that date (started on or before it and not ended yet), but its salary is the one on the record today: we update these records in place and don't keep past salaries.
• IMSS/ISSSTE records expire. A record counts for status and tenure only if we updated it within window_months × 30 days before the date, and for income only if we updated it within the last year (or the window, if longer). This also applies with as_of = today; with window_months=3 that is 90 days.
• Pensions read as employment in the past. An ISSSTE record that is a pension today (no end date) counts as an active job in earlier months, so a retiree's series reads employed in past months and retired in the current one.
• unemployed and retired are not returned for past dates. Those signals describe today and can't be dated, so past values are employed, self_employed or unknown.

Monthly history

With history=true the response adds history: one item per calendar month, ordered from the most recent month to the oldest.

• Each month is computed as of its last day, with the same window_months and sources, using only data dated up to that day. The most recent item is the month of as_of, computed as of as_of itself.
• The series only covers months we have: from the identifier's first month with data to the month of as_of, up to 18 months. An identifier with 6 months of data gets 6 items; one with 21 months gets the most recent 18.
• The start date of an IMSS/ISSSTE job counts as data: a job started in 2015 gives 18 items even if invoices start later.
• A month without data inside the series is still returned, with monthly_income: null, income_source: none and employment_status: unknown, so it can't be confused with zero income.
• Each month uses today's formula, applied retroactively to the data dated up to that month.

Examples

12-month window (default)

curl https://api.burodeingresos.com/estimates/MAPE850312HDFRRR02 \
  -H "X-API-Key: $API_KEY"

Invoices only

curl "https://api.burodeingresos.com/estimates/MAPE850312HDFRRR02?sources=invoices" \
  -H "X-API-Key: $API_KEY"

As of a past date

curl "https://api.burodeingresos.com/estimates/MAPE850312HDFRRR02?as_of=2026-03-31" \
  -H "X-API-Key: $API_KEY"

Monthly history

curl "https://api.burodeingresos.com/estimates/MAPE850312HDFRRR02?window_months=6&history=true" \
  -H "X-API-Key: $API_KEY"

{
  "identifier": "MAPE850312HDFRRR02",
  "computed_at": "2026-10-14T16:20:05Z",
  "parameters": { "window_months": 6, "sources": "all", "as_of": "2026-10-14", "history": true },
  "monthly_income": "35000.00",
  "income_source": "invoices",
  "employment_status": "employed",
  "tenure": "12_months_plus",
  "history": [
    { "month": "2026-10", "monthly_income": "35000.00", "income_source": "invoices", "employment_status": "employed", "tenure": "12_months_plus" },
    { "month": "2026-09", "monthly_income": "35000.00", "income_source": "invoices", "employment_status": "employed", "tenure": "12_months_plus" },
    { "month": "2026-08", "monthly_income": "35000.00", "income_source": "invoices", "employment_status": "employed", "tenure": "9_months_plus" }
  ]
}

Errors