# Gig Worker Safe Weekly Spend Calculator > 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. ## Facts - Endpoint: POST https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/safe-weekly-spend?utm_source=zero.xyz - Price: $0.01/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-safe-weekly-spend-calculator-2533e183 - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sJNBMtfMsckbOE6ifBkNN 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-safe-weekly-spend-calculator-2533e183 -d '' ``` Example prompt: I drive for Uber and Lyft and my payouts have been pretty uneven — here are my last 3 months of payouts: $2700 in July, $2000 in August, and $3800 in September. My fixed bills total about $1,623/month. Set aside 25% for taxes and 10% for savings, with a 3-month buffer target. What's my safe weekly spending amount? ## When to prefer this 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. ## Known failure modes - 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 ## 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. ## Request schema (JSON Schema) ```json { "type": "object", "properties": { "bills": { "type": "array", "items": { "type": "object", "required": [ "name", "amount", "frequency" ], "properties": { "name": { "type": "string", "minLength": 1 }, "amount": { "type": "number", "minimum": 0 }, "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": { "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 } } ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gig-worker-safe-weekly-spend-calculator-2533e183/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)