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Gig Worker Tax Estimator (x402)
x402
Gig Worker Tax Estimator (x402) is a paid API for AI agents from safe-weekly-spend-api-production.gigfinancetools.workers.dev, paid per call via x402, $0.5/call, status unknown (last checked 2026-10-17).
Estimates federal self-employment tax, income tax, quarterly payments, and safe harbor amounts for US gig/1099 workers, paid per-call in USDC on Base.
Price / call$0.5
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 detailed JSON object with: net profit after expenses, adjusted gross income, self-employment tax broken down by Social Security and Medicare components, federal income tax by bracket with marginal and effective rates, standard deduction, half-SE-tax deduction, QBI deduction, a quarterly payment schedule with due dates, safe harbor basis and required annual payment amount, recommended set-aside percentage, and a disclaimer noting federal-only scope (no state tax).
Example use cases
Quarterly payment planning for rideshare driver
“I drove for Lyft and Uber this year and expect to make around $45,000 gross for 2025 as a single filer. I have $8,000 in mileage expenses and no other income or withholding. What are my quarterly estimated tax due dates and payment amounts?”
Safe harbor calculation after high-income prior year
“Last year my AGI was $160,000 and I paid $38,000 in federal tax. This year I'm freelancing and expect $120,000 gross with $15,000 in expenses, filing jointly for 2025. What's my safe harbor payment amount so I avoid underpayment penalties?”
Set-aside percentage from gig payouts
“I get paid weekly through Instacart and Fiverr — here are my payouts from January through June 2026 totaling $28,000. Filing single, no other income. What percentage of each paycheck should I be saving for federal taxes and what do I owe quarterly?”
Technical details
Endpoint
POSThttps://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/gig-tax-estimate?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a detailed, structured federal tax estimate specifically for US gig/1099/self-employed workers, including self-employment tax breakdowns, QBI deductions, quarterly payment schedules, and safe harbor calculations. Prefer it over generic tax calculators when the user's income is primarily 1099/freelance and they need actionable quarterly payment amounts. Note it covers federal tax only (no state/local) and is not a substitute for a licensed tax professional.
Side effects
- Missing required payouts array AND gross_income — at least one income input is required
- tax_year outside allowed enum [2025, 2026] returns validation error
- Negative values for expenses, wages, or income rejected by schema minimum:0 constraint
- Filing status not matching allowed enum values (single, mfj, mfs, hoh) causes 400
- Payouts array exceeding 5000 items may cause processing errors
- State field is echoed only — no state tax is computed, which may disappoint users expecting state estimates
- Payment of 0.5 USDC via x402 required per call — insufficient balance causes 402 Payment Required
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| state | string | Echoed only; state tax is not computed |
| payouts | array | Alternative to gross_income; only payouts dated in tax_year are summed |
| expenses | number | Deductible Schedule C business expenses (e.g. mileage) |
| tax_year | — | |
| w2_wages | number | Other W-2 wages (reduce remaining SS wage base) |
| withholding | number | Federal income tax withheld this year |
| gross_income | number | Projected annual 1099/gig gross income |
| other_income | number | Other ordinary taxable income |
| filing_status | — | |
| prior_year_agi | number | Prior-year AGI; > $150k ($75k MFS) triggers 110% safe harbor |
| prior_year_tax | number | Prior-year total tax (Form 1040 line 24) for safe harbor |
Output
Schema · Response
{
"type": "json",
"example": {
"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",
"IRS Rev. Proc. 2025-32",
"OBBBA §70102 (2025 standard deduction)"
],
"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 only (no state/local tax). Simplified QBI…(truncated)",
"income_tax": {
"total": 2667.29,
"brackets": [
{
"to": 12400,
"tax": 1240,
"from": 0,
"rate": 0.1,
"taxable_in_bracket": 12400
},
{
"to": 50400,
"tax": 1427.29,
"from": 12400,
"rate": 0.12,
"taxable_in_bracket": 11894.09
}
],
"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"
},
{
"amount": 2000,
"quarter": 2,
"due_date": "2026-06-15"
},
{
"amount": 2000,
"quarter": 3,
"due_date": "2026-09-15"
}
],
"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
}
}Tags
x402
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