# Gig Worker Finance API – Retirement Optimizer

> 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.

## Facts

- Endpoint: POST https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/retirement-optimizer?utm_source=zero.xyz
- Price: $1.5/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-retirement-optimizer-0d492702
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_vMeMhW7mttjM7VbtALlT6

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-retirement-optimizer-0d492702 -d '<json body>'
```

Example prompt: I'm 52, single, with $90,000 in Schedule C net profit and no other income or existing 401k deferrals for 2026 — can you calculate my maximum Solo 401k and SEP-IRA contribution limits and tell me how much federal tax I'd save with each plan?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "age": {
   "type": "integer",
   "maximum": 120,
   "minimum": 16,
   "description": "Age at Dec 31, 2026"
  },
  "tax_year": {
   "enum": [
    2026
   ]
  },
  "w2_wages": {
   "type": "number",
   "minimum": 0,
   "description": "Other W-2 wages"
  },
  "net_profit": {
   "type": "number",
   "minimum": 0,
   "description": "Schedule C net profit for 2026"
  },
  "other_income": {
   "type": "number",
   "minimum": 0,
   "description": "Other ordinary taxable income"
  },
  "filing_status": {
   "enum": [
    "single",
    "mfj",
    "mfs",
    "hoh"
   ]
  },
  "w2_401k_deferrals": {
   "type": "number",
   "minimum": 0,
   "description": "401(k)/403(b) deferrals already made through an employer in 2026"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gig-worker-finance-api-retirement-optimizer-0d492702/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)