# Gig Worker Tax Estimator (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.

## Facts

- Endpoint: POST https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/gig-tax-estimate?utm_source=zero.xyz
- Price: $0.5/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-tax-estimator-x402-0c839fbc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_iB73oG1IxvgAcp3c_zL6Q

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-tax-estimator-x402-0c839fbc -d '<json body>'
```

Example prompt: I'm a single filer with about $60,000 in Uber/DoorDash gross income for 2026, $10,000 in deductible mileage expenses, and no W-2 wages — can you estimate my federal self-employment tax, income tax, quarterly payment amounts, and what percentage of income I should set aside?

## When to prefer this

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.

## Known failure modes

- 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

## 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).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "state": {
   "type": "string",
   "pattern": "^[A-Za-z]{2}$",
   "description": "Echoed only; state tax is not computed"
  },
  "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"
     }
    }
   },
   "maxItems": 5000,
   "minItems": 1,
   "description": "Alternative to gross_income; only payouts dated in tax_year are summed"
  },
  "expenses": {
   "type": "number",
   "minimum": 0,
   "description": "Deductible Schedule C business expenses (e.g. mileage)"
  },
  "tax_year": {
   "enum": [
    2025,
    2026
   ]
  },
  "w2_wages": {
   "type": "number",
   "minimum": 0,
   "description": "Other W-2 wages (reduce remaining SS wage base)"
  },
  "withholding": {
   "type": "number",
   "minimum": 0,
   "description": "Federal income tax withheld this year"
  },
  "gross_income": {
   "type": "number",
   "minimum": 0,
   "description": "Projected annual 1099/gig gross income"
  },
  "other_income": {
   "type": "number",
   "minimum": 0,
   "description": "Other ordinary taxable income"
  },
  "filing_status": {
   "enum": [
    "single",
    "mfj",
    "mfs",
    "hoh"
   ]
  },
  "prior_year_agi": {
   "type": "number",
   "minimum": 0,
   "description": "Prior-year AGI; > $150k ($75k MFS) triggers 110% safe harbor"
  },
  "prior_year_tax": {
   "type": "number",
   "minimum": 0,
   "description": "Prior-year total tax (Form 1040 line 24) for safe harbor"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gig-worker-tax-estimator-x402-0c839fbc/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)