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Gig Worker Safe Weekly Spend Calculator
x402
Gig Worker Safe Weekly Spend Calculator is a paid API for AI agents from safe-weekly-spend-api-production.gigfinancetools.workers.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-17).
Calculates a safe weekly discretionary spending amount for US gig workers based on recent payouts, fixed bills, tax set-asides, and savings goals.
Price / call$0.01
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 a safe_weekly_spend dollar amount, a safe_monthly_spend amount, a buffer coverage metric, and a full month-by-month breakdown showing income, taxes set aside, savings, buffer contributions/draws, surplus/deficit, and any unfunded gaps across the input period.
Example use cases
Rideshare driver weekly budget check
“I do rideshare driving full time and my income varies a lot. My last 6 payouts were $1,800, $2,400, $1,500, $3,100, $2,200, and $2,900. My monthly bills — rent, phone, insurance — add up to about $1,400. Can you tell me how much I can safely spend each week after setting aside 25% for taxes and 10% for savings?”
DoorDash courier tax and buffer planning
“I deliver for DoorDash and want to make sure I'm not spending money I'll need for taxes. My payouts over the last 4 months were $1,200, $1,800, $900, and $2,100. My recurring bills are rent at $800/month and a $120/month phone plan. Set aside 30% for taxes, 10% for savings, and target a 3-month emergency buffer — what's my safe weekly spend?”
Multi-platform gig worker income smoothing
“I work across Instacart, TaskRabbit, and Fiverr so my income is really unpredictable. Here are my payouts from the last few months by platform and date — can you analyze these and tell me what a stable weekly spending number looks like, after covering my $1,100 in monthly bills, 25% tax set-aside, and 10% savings goal?”
Technical details
Endpoint
POSThttps://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/safe-weekly-spend?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need to compute a concrete, personalized weekly discretionary spending limit for a gig worker with irregular income history, fixed recurring bills, and desired tax and savings set-aside rates. It is specifically designed for the income-smoothing and budgeting challenges unique to 1099/gig workers, as opposed to generic budget calculators that assume steady employment income.
Side effects
- Missing required payouts array — returns validation error
- payouts array is empty (minItems:1 violated) — returns 400-level error
- Bill amount or payout amount is negative — schema validation failure
- Invalid date format in payout entries — rejected by date format validation
- tax_set_aside_pct or savings_pct outside 0–1 range — schema error
- Too many payouts (>1000) or bills (>200) — request rejected
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| 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": {
"breakdown": {
"monthly": [
{
"extra": 0,
"month": "2026-07",
"income": 2700,
"savings": 270,
"surplus": 131.67,
"available": 1755,
"to_buffer": 131.67,
"buffer_end": 131.67,
"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": 0,
"from_buffer": 131.67,
"unfunded_gap": 191.67,
"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": 846.67,
"from_buffer": 0,
"unfunded_gap": 0,
"steady_salary": 1623.33,
"tax_set_aside": 950
}
],
"savings_pct": 0.1,
"buffer_target": 4870,
"buffer_balance": 846.67,
"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": 0.52,
"steady_salary_monthly": 1623.33,
"avg_monthly_tax_set_aside": 708.33
},
"buffer_days": 15,
"safe_weekly_spend": 50.38,
"tax_set_aside_pct": 0.25
}
}Tags
x402
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