# Gig Worker Finance API – Finance Pack (x402)

> Gig Worker Finance API – Finance Pack (x402) is a paid API for AI agents from safe-weekly-spend-api-production.gigfinancetools.workers.dev, paid per call via x402, $0.75/call, status unknown (last checked 2026-10-17).

Estimates US federal taxes, generates a weekly cash-flow budget forecast, and creates professional invoices for gig/1099 workers in a single pay-per-call API, billed in USDC via x402.

## Facts

- Endpoint: POST https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/gig-finance-pack?utm_source=zero.xyz
- Price: $0.75/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-finance-pack-x402-a23b90d9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_pR86wczgjRX1vo-q73Itb

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-finance-pack-x402-a23b90d9 -d '<json body>'
```

Example prompt: I'm filing as single for tax year 2025, I made $60,000 gross from gig work, spent $10,000 on deductible expenses like mileage, and had no W-2 income — can you estimate my federal taxes, tell me my quarterly payment amounts, and show what percentage I should set aside?

## When to prefer this

Choose this endpoint when you need gig-worker-specific federal tax estimation, irregular-income budgeting, or invoice generation in a single call without building your own financial calculation engine. It is purpose-built for 1099/gig workers (Uber, DoorDash, freelancers) and handles self-employment tax, QBI deduction, safe harbor, and income-volatility-aware budgeting — capabilities not offered by generic tax APIs. Prefer it over generic financial APIs when the user is a US gig worker needing actionable quarterly payment amounts and weekly spend limits. Not suitable for state tax calculation, business entity returns, or non-US income.

## Known failure modes

- Missing required fields (e.g., tax_year or filing_status for tax module) returns a 400 validation error
- Providing both gross_income and payouts simultaneously violates the oneOf constraint and returns a schema error
- Invalid state code pattern (not two alpha characters) causes a 400 error
- Insufficient USDC balance or failed x402 payment results in 402 Payment Required before computation runs
- Payouts array spanning multiple years may produce unexpected results if not filtered to the target tax year
- Truncated or malformed bills/payouts arrays may produce a degenerate budget forecast
- Invoice missing required fields (invoice_number, due_date, from, to, line_items) returns a validation error

## 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 up to three sections depending on which request objects were provided: (1) tax: full federal tax breakdown including income tax by bracket, self-employment tax (SS + Medicare), QBI deduction, standard deduction, safe harbor calculation, recommended set-aside percentage, and quarterly payment schedule; (2) budget: week-by-week forecast of projected income, bills due, tax set-aside, savings, and buffer balance with low-case scenarios; (3) invoice: a formatted invoice document with line items, totals, and due date. Includes flags and disclaimers noting federal-only scope and that estimates are not tax advice.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "tax": {
   "type": "object",
   "oneOf": [
    {
     "required": [
      "gross_income"
     ]
    },
    {
     "required": [
      "payouts"
     ]
    }
   ],
   "title": "GigTaxEstimateRequest",
   "required": [
    "tax_year",
    "filing_status"
   ],
   "properties": {
    "state": {
     "type": "string",
     "pattern": "^[A-Za-z]{2}$",
     "description": "Echoed only; state tax is not computed"
    },
    "payouts": {
     "type": "array",
     "description": "Alternative to gross_income; only payouts dated in tax_year are summed"
    },
    "expenses": {
     "type": "number",
     "minimum": 0,
     "description": "Deductible Schedule C business expenses (e.g. mileage)"
    },
    "tax_year": {
     "enum": [
      2025,
      2026
     ]
    },
    "w2_wages": {
     "type": "number",
     "minimum": 0,
     "description": "Other W-2 wages (reduce remaining SS wage base)"
    },
    "withholding": {
     "type": "number",
     "minimum": 0,
     "description": "Federal income tax withheld this year"
    },
    "gross_income": {
     "type": "number",
     "minimum": 0,
     "description": "Projected annual 1099/gig gross income"
    },
    "other_income": {
     "type": "number",
     "minimum": 0,
     "description": "Other ordinary taxable income"
    },
    "filing_status": {
     "enum": [
      "single",
      "mfj",
      "mfs",
      "hoh"
     ]
    },
    "prior_year_agi": {
     "type": "number",
     "minimum": 0,
     "description": "Prior-year AGI; > $150k ($75k MFS) triggers 110% safe harbor"
    },
    "prior_year_tax": {
     "type": "number",
     "minimum": 0,
     "description": "Prior-year total tax (Form 1040 line 24) for safe harbor"
    }
   },
   "description": "Projected FULL-YEAR amounts. Send gross_income or payouts (not both). Federal only.",
   "additionalProperties": false
  },
  "budget": {
   "type": "object",
   "title": "BudgetReportPremiumRequest",
   "required": [
    "payouts",
    "bills"
   ],
   "properties": {
    "as_of": {
     "type": "string",
     "format": "date",
     "description": "Forecast start (default: day after last payout)"
    },
    "bills": {
     "type": "array",
     "description": "Fixed bills / bare-bones essentials."
    },
    "payouts": {
     "type": "array",
     "description": "Recent gig payouts (gross + tips). Ideally 2-6 months."
    },
    "settings": {
     "type": "object"
    }
   },
   "additionalProperties": false
  },
  "in
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "tax": {
   "flags": [
    "state_tax_not_included"
   ],
   "state": "TX",
   "income": {
    "agi": 46467.61,
    "expenses": 10000,
    "w2_wages": 0,
    "net_profit": 50000,
    "gross_income": 60000,
    "other_income": 0
   },
   "figures": {
    "sources": [
     "IRS Rev. Proc. 2024-40"
    ],
    "verified": true
   },
   "tax_year": 2026,
   "total_tax": 9732.07,
   "deductions": {
    "half_se_tax": 3532.39,
    "qbi_deduction": 6073.52,
    "standard_deduction": 16100
   },
   "disclaimer": "Estimate only, not tax advice. Federal o…",
   "income_tax": {
    "total": 2667.29,
    "brackets": [
     {
      "to": 12400,
      "tax": 1240,
      "from": 0,
      "rate": 0.1,
      "taxable_in_bracket": 12400
     }
    ],
    "marginal_rate": 0.12,
    "taxable_income": 24294.09
   },
   "safe_harbor": {
    "basis": "prior_year",
    "prior_year_pct": 1,
    "prior_year_amount": 8000,
    "current_year_90pct": 8758.86,
    "required_annual_payment": 8000
   },
   "withholding": 0,
   "filing_status": "single",
   "quarterly_payments": [
    {
     "amount": 2000,
     "quarter": 1,
     "due_date": "2026-04-15"
    }
   ],
   "self_employment_tax": {
    "total": 7064.78,
    "medicare": 1339.08,
    "ss_wage_base": 184500,
    "net_se_earnings": 46175,
    "social_security": 5725.7,
    "additional_medicare_tax": 0
   },
   "recommended_set_aside_pct": 0.17,
   "estimated_payments_required": true,
   "effective_rate_on_net_profit": 0.194641
  },
  "notes": [
   "budget.settings.tax_set_aside_pct defaul…"
  ],
  "budget": {
   "forecast": {
    "weeks": [
     {
      "week": 1,
      "savings": 77.27,
      "bills_due": 104.62,
      "buffer_end": 3294.48,
      "net_income": 564.09,
      "week_start": "2026-10-19",
      "buffer_start": 2835,
      "tax_set_aside": 131.36,
      "projected_income": 772.73,
      "low_case_buffer_end": 2730.38
     }
    ],
    "start_date": "2026-10-19",
    "ending_buffer": 5298.18,
    "lowest_buffer": 2583.95,
    "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": 347.67,
      "available": 1971,
      "to_buffer": 347.67,
      "buffer_end": 1847.67,
      "from_buffer": 0,
      "unfunded_gap": 0,
      "steady_salary": 1623.33,
      "tax_set
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gig-worker-finance-api-finance-pack-x402-a23b90d9/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)