Gig Worker Finance API – Budget Report Premium

x402

Gig Worker Finance API – Budget Report Premium is a paid API for AI agents from safe-weekly-spend-api-production.gigfinancetools.workers.dev, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-17).

Generates a weekly cash-flow forecast and monthly budget breakdown for US gig workers from their payout history and fixed bills, with risk flags and safe-spend guidance.

Price / call$0.1

Seller volume →—

Success—

StatusUnknown

How this service works

Pay-per-call finance tools for US gig workers, paid in USDC on Base via x402. Not tax or financial advice.

Output

Returns a JSON object with two main sections: (1) a week-by-week forecast covering projected income, tax set-aside, savings, bills due, buffer start/end, and a low-case buffer scenario for each upcoming week; and (2) a monthly breakdown showing income, available cash, surplus/deficit, buffer movements, safe monthly spend, and aggregate stats like income volatility (CV), average monthly income, and months of buffer covered. Also includes risk flags (e.g. low-case buffer going negative) and a disclaimer that this is not financial advice.

Example use cases

Rideshare driver monthly budget check

“I've been driving for Lyft and Uber for the past 4 months — here are all my weekly payouts. My monthly bills are rent $1,400, car payment $350, insurance $210, and utilities $120. Set aside 25% for taxes and 10% for savings, and tell me how much I can safely spend each month and whether my buffer will cover a slow month.”

Freelancer tax set-aside planning

“I'm a freelance designer with really uneven income — some months I make $5,000, others barely $1,500. Can you analyze my last 6 months of payouts and tell me how much I should be setting aside for taxes each week, what my income volatility looks like, and flag any weeks where I might dip below a safe buffer?”

Gig worker building emergency fund

“I do gig work across Instacart and TaskRabbit and I want to build a 3-month emergency buffer. My starting buffer is $800, my bills total about $900 a month, and I want to save 15% of every payout. Based on my last 10 weeks of earnings, how long will it take to hit my buffer target and what are my riskiest weeks?”

Technical details

Endpoint

POSThttps://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/budget-report-premium?utm_source=zero.xyz

When to prefer

Choose this endpoint when you need a comprehensive, forward-looking cash-flow forecast specifically tailored to irregular gig/freelance income patterns, including income volatility analysis, low-case scenario modeling, sinking fund scheduling for non-monthly bills, and buffer adequacy assessment — rather than a simple expense tracker or generic budget calculator. Best for US gig workers with 2-6 months of payout history across platforms like Uber, DoorDash, Instacart, or freelance clients.

Side effects

Missing required 'payouts' array (minItems:1) returns validation error
Invalid date format in 'as_of' or payout dates causes schema rejection
Bill frequency enum mismatch (e.g. 'weekly' instead of 'Weekly') causes rejection
Exceeding maxItems:1000 for payouts or maxItems:200 for bills causes rejection
Payment failure via x402 (insufficient USDC) results in 402 response before processing
Negative or out-of-range settings values (e.g. savings_pct > 1) fail schema validation

Input

Schema · Request body

Field	Type	Description
as_of	string	Forecast start (default: day after last payout)
bills	array	Fixed bills / bare-bones essentials.
payouts	array	Recent gig payouts (gross + tips). Ideally 2-6 months.
settings	object

Output

Schema · Response

{
  "type": "json",
  "example": {
    "forecast": {
      "weeks": [
        {
          "week": 1,
          "savings": 77.27,
          "bills_due": 104.62,
          "buffer_end": 2552.66,
          "net_income": 502.27,
          "week_start": "2026-10-19",
          "buffer_start": 2155,
          "tax_set_aside": 193.18,
          "projected_income": 772.73,
          "low_case_buffer_end": 2050.38
        },
        {
          "week": 2,
          "savings": 77.27,
          "bills_due": 1274.62,
          "buffer_end": 1780.31,
          "net_income": 502.27,
          "week_start": "2026-10-26",
          "buffer_start": 2552.66,
          "tax_set_aside": 193.18,
          "projected_income": 772.73,
          "low_case_buffer_end": 775.77
        },
        {
          "week": 3,
          "savings": 77.27,
          "bills_due": 104.62,
          "buffer_end": 2177.97,
          "net_income": 502.27,
          "week_start": "2026-11-02",
          "buffer_start": 1780.31,
          "tax_set_aside": 193.18,
          "projected_income": 772.73,
          "low_case_buffer_end": 671.15
        }
      ],
      "start_date": "2026-10-19",
      "ending_buffer": 3814.55,
      "lowest_buffer": 1780.31,
      "weeks_of_history": 11,
      "income_volatility_cv": 0.99,
      "low_case_weekly_income": 0,
      "projected_weekly_income": 772.73
    },
    "breakdown": {
      "monthly": [
        {
          "extra": 0,
          "month": "2026-07",
          "income": 2700,
          "savings": 270,
          "surplus": 131.67,
          "available": 1755,
          "to_buffer": 131.67,
          "buffer_end": 1631.67,
          "from_buffer": 0,
          "unfunded_gap": 0,
          "steady_salary": 1623.33,
          "tax_set_aside": 675
        },
        {
          "extra": 0,
          "month": "2026-08",
          "income": 2000,
          "savings": 200,
          "surplus": -323.33,
          "available": 1300,
          "to_buffer": 0,
          "buffer_end": 1308.33,
          "from_buffer": 323.33,
          "unfunded_gap": 0,
          "steady_salary": 1623.33,
          "tax_set_aside": 500
        },
        {
          "extra": 0,
          "month": "2026-09",
          "income": 3800,
          "savings": 380,
          "surplus": 846.67,
          "available": 2470,
          "to_buffer": 846.67,
          "buffer_end": 2155,
          "from_buffer": 0,
          "unfunded_gap": 0,
          "steady_salary": 1623.33,
          "tax_set_aside": 950
        }
      ],
      "savings_pct": 0.1,
      "buffer_target": 4870,
      "buffer_balance": 2155,
      "avg_monthly_income": 2833.33,
      "months_with_income": 3,
      "safe_monthly_spend": 218.33,
      "avg_monthly_savings": 283.33,
      "fixed_bills_monthly": 1623.33,
      "avg_monthly_available": 1841.67,
      "buffer_months_covered": 1.33,
      "steady_salary_monthly": 1623.33,
      "avg_monthly_tax_set_aside": 708.33
    },
    "disclaimer": "Projection from past payouts; not financial advice.",
    "risk_flags": [
      {
        "code": "low_case_buffer_negative",
        "message": "In a low-income week scenario (25th percentile) the buffer goes negative within 13 weeks.",
        "severity": "medium"
      },
      {
        "code": "income_volatility_high",
        "message": "Weekly income varies a lot (CV 0.99).",
        "severity": "medium"
      },
      {
        "code": "buffer_below_target",
        "message": "Buffer is below the 3-month target.",
        "severity": "low"
      }
    ],
    "buffer_days": 40,
    "buffer_score": {
      "score": 51,
      "explanation": [
        "Buffer coverage: 1.33 of 3 target months → 17.7/40",
        "Lowest projected buffer over 13 weeks: $1780.31 → 25/25",
        "Income stability (weekly CV 0.99) → 0.29/20"
      ]
    },
    "safe_weekly_spend": 50.38,
    "tax_set_aside_pct": 0.25
  }
}

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