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Gig Worker Finance API – Retirement Optimizer
x402
Gig Worker Finance API – Retirement Optimizer is a paid API for AI agents from safe-weekly-spend-api-production.gigfinancetools.workers.dev, paid per call via x402, $1.5/call, status unknown (last checked 2026-10-17).
Calculates maximum Solo 401(k) and SEP-IRA contribution limits and estimated federal tax savings for US self-employed / gig workers for tax year 2026.
Price / call$1.5
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 contribution breakdowns for Solo 401(k) and SEP-IRA plans, including employee deferral, employer profit-sharing, catch-up amounts, maximum total contribution, and estimated federal tax saved for each plan. Also includes the recommended plan, marginal tax rate, net earnings from self-employment (after half SE tax deduction), IRS source citations, applicable limits (elective deferral, annual additions, compensation cap), and any modelling flags or disclaimers.
Example use cases
Freelancer comparing retirement plan options
“I'm 34 years old, single, made $75,000 net profit on Schedule C driving for rideshare in 2026, with no W-2 job or existing retirement contributions — which retirement plan should I open and what's the max I can put in?”
Older gig worker maximizing catch-up contributions
“I'm 58, filing as single, with $120,000 Schedule C profit from my consulting business in 2026 and no W-2 wages — how much can I contribute to a Solo 401k including catch-up contributions, and what's my estimated federal tax savings?”
Gig worker with W-2 job and side income
“I'm 41, married filing jointly, earned $40,000 in W-2 wages and $60,000 net profit from freelance design work on Schedule C in 2026, and I already put $5,000 into my employer's 401k — what's my max Solo 401k or SEP-IRA contribution and how much tax would I save?”
Technical details
Endpoint
POSThttps://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/retirement-optimizer?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a precise, IRS-sourced calculation of 2026 Solo 401(k) and SEP-IRA contribution limits and federal tax savings for a self-employed or gig worker. It is purpose-built for Schedule C / 1099 income scenarios, handles catch-up contributions for workers 50+, accounts for existing employer 401k deferrals, and returns plan-level comparisons with deadline notes. Prefer it over generic tax calculators when the user's goal is specifically retirement contribution optimization for gig/freelance income.
Side effects
- Missing required fields (age, net_profit, filing_status, tax_year) return validation errors
- net_profit of 0 or very low values may result in $0 contribution limits with no meaningful output
- Age outside 16–120 range is rejected
- tax_year must be 2026; other years return an error
- w2_401k_deferrals exceeding elective deferral limit may cause unexpected limit calculations
- Payment failure via x402 (insufficient USDC balance) blocks the call entirely
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| age | integer | Age at Dec 31, 2026 |
| tax_year | — | |
| w2_wages | number | Other W-2 wages |
| net_profit | number | Schedule C net profit for 2026 |
| other_income | number | Other ordinary taxable income |
| filing_status | — | |
| w2_401k_deferrals | number | 401(k)/403(b) deferrals already made through an employer in 2026 |
Output
Schema · Response
{
"type": "json",
"example": {
"age": 52,
"flags": [
"qbi_reduction_for_retirement_contributions_not_modelled",
"state_tax_not_included"
],
"plans": [
{
"plan": "solo_401k",
"catch_up": 8000,
"deadline_note": "Plan generally must be adopted by Dec 31, 2026 for 2026 deferrals (sole propriet…(truncated)",
"max_contribution": 49228.34,
"employee_deferral": 24500,
"employer_profit_sharing": 16728.34,
"estimated_federal_tax_saved": 5089.25
},
{
"plan": "sep_ira",
"catch_up": 0,
"deadline_note": "Can be opened and funded up to the 2026 return due date, including extensions (Apr 15, 2027; Oct 15, 2027 if extended).",
"max_contribution": 16728.34,
"employee_deferral": 0,
"employer_profit_sharing": 16728.34,
"estimated_federal_tax_saved": 1969.25
}
],
"limits": {
"catch_up": 8000,
"annual_additions": 72000,
"elective_deferral": 24500,
"compensation_limit": 360000,
"employer_rate_on_nese": 0.2
},
"figures": {
"sources": [
"IRS Notice 2025-67",
"IRS Pub 560",
"IRS Rev. Proc. 2025-32"
],
"verified": true
},
"tax_year": 2026,
"disclaimer": "Estimate only, not tax advice. Federal, tax year 2026, simplified (see flags). V…(truncated)",
"net_profit": 90000,
"half_se_tax": 6358.3,
"filing_status": "single",
"marginal_rate": 0.22,
"recommended_plan": "solo_401k",
"extra_contribution_with_solo_401k": 32500,
"net_earnings_from_self_employment": 83641.7
}
}Tags
x402
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