# ioswarm Personal Finance Plan

> ioswarm Personal Finance Plan is a paid API for AI agents from ioswarm.io, paid per call via x402, $0.95/call, status unknown (last checked 2026-10-11).

Generates a personalized financial plan based on stated goals and numbers, delivered asynchronously within 3–10 minutes.

## Facts

- Endpoint: POST https://ioswarm.io/api/v1/x402/run/money?utm_source=zero.xyz
- Price: $0.95/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ioswarm-personal-finance-plan-5f6675c6
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_PhiQ7Lwyu9evlmtjpQAEC

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 ioswarm-personal-finance-plan-5f6675c6 -d '<json body>'
```

Example prompt: Can you put together a personal finance plan for me? I earn $5,500/month after tax, spend about $3,200 on fixed costs, have $18,000 in student loan debt, and want to build a $30,000 emergency fund and invest $500/month — what's the best strategy?

## When to prefer this

Choose this endpoint when a user needs a comprehensive, personalized financial plan grounded in their specific numbers — income, expenses, debts, savings goals — and is willing to wait 3–10 minutes for a thorough asynchronous report. Prefer this over real-time financial tools when depth and personalization matter more than speed, and when the user wants actionable strategy rather than generic advice or simple calculations.

## Known failure modes

- Insufficient or vague input — if the question/brief lacks concrete numbers or goals, the plan may be generic or incomplete
- Payment failure — if the $0.95 USDC x402 payment is not processed, the run will not start
- Poll timeout — if the agent stops polling before the 3–10 minute window, the result may never be retrieved
- Invalid bodyType or missing required 'input' field causes a 400 validation error
- Network errors during polling may cause result loss if not retried

## Output

An asynchronous financial plan delivered via a poll URL. The initial response includes a run ID and a URL to retrieve results. Within 3–10 minutes, the full report arrives containing personalized financial strategies, savings schedules, debt payoff plans, and budget recommendations tailored to the user's stated goals and numbers. An API key is also returned on first use, tied to the paying wallet.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "required": [
      "input"
     ],
     "properties": {
      "input": {
       "type": "string",
       "description": "The question or brief."
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ioswarm-personal-finance-plan-5f6675c6/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ioswarm.io](https://www.zero.xyz/host/ioswarm.io/llms.txt)