# Gig Worker Finance API – Budget Report Premium > 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. ## Facts - Endpoint: POST https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/budget-report-premium?utm_source=zero.xyz - Price: $0.1/call - Payment: x402 - Status: unknown - Last checked: 2026-10-17 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/gig-worker-finance-api-budget-report-premium-3130c2db - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rqKsnNuU0usiMB3loXO7u Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently. ## How to call it through Zero Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`): ```sh zero fetch --capability gig-worker-finance-api-budget-report-premium-3130c2db -d '' ``` Example prompt: I drive for Uber and do DoorDash on the side — here are my last 3 months of payouts. My fixed bills are rent ($1,200/month), car insurance ($180/month), and phone ($80/month). Can you run a budget report with 25% set aside for taxes, 10% savings, and a starting buffer of $2,155 to show me what my safe weekly spend looks like and flag any risky weeks? ## When to prefer this 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. ## Known failure modes - 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 ## 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. ## Request schema (JSON Schema) ```json { "type": "object", "properties": { "as_of": { "type": "string", "format": "date", "description": "Forecast start (default: day after last payout)" }, "bills": { "type": "array", "items": { "type": "object", "required": [ "name", "amount", "frequency" ], "properties": { "name": { "type": "string", "minLength": 1 }, "amount": { "type": "number", "minimum": 0 }, "due_day": { "type": "integer", "maximum": 31, "minimum": 1, "description": "Monthly bills: day of month due (default 1)" }, "next_due": { "type": "string", "format": "date", "description": "Next due date; schedules the bill on its cadence (otherwise non-monthly bills accrue weekly as a sinking fund)" }, "frequency": { "enum": [ "Weekly", "Monthly", "Quarterly", "Semi-annual", "Annual" ] } }, "additionalProperties": false }, "maxItems": 200, "description": "Fixed bills / bare-bones essentials." }, "payouts": { "type": "array", "items": { "type": "object", "required": [ "amount", "date" ], "properties": { "date": { "type": "string", "format": "date", "description": "YYYY-MM-DD" }, "amount": { "type": "number", "minimum": 0 }, "platform": { "type": "string" } }, "additionalProperties": false }, "maxItems": 1000, "minItems": 1, "description": "Recent gig payouts (gross + tips). Ideally 2-6 months." }, "settings": { "type": "object", "properties": { "savings_pct": { "type": "number", "default": 0.1, "maximum": 1, "minimum": 0 }, "salary_override": { "type": "number", "minimum": 0 }, "starting_buffer": { "type": "number", "default": 0, "minimum": 0 }, "tax_set_aside_pct": { "type": "number", "default": 0.25, "maximum": 1, "minimum": 0 }, "buffer_target_months": { "type": "number", "default": 3, "minimum": 0 } }, "additionalProperties": false } } } ``` ## Response schema (JSON Schema) ```json { "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 … (truncated) ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gig-worker-finance-api-budget-report-premium-3130c2db/health.json - [Zero catalog index](https://www.zero.xyz/llms.txt) - [Other services from safe-weekly-spend-api-production.gigfinancetools.workers.dev](https://www.zero.xyz/host/safe-weekly-spend-api-production.gigfinancetools.workers.dev/llms.txt)