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WealthPulse Emergency Fund Sizing
x402
WealthPulse Emergency Fund Sizing is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-27).
Calculates an emergency fund target amount based on job stability and dependents, provides a funding plan, and returns the best current high-yield savings account (HYSA) rates
Price / call$0.1
Success—
StatusUnknown
How this service works
How big should my emergency fund be, and how do I build it? Emergency-fund calculator sizing the target by income, expenses, dependents, and job stability, plus a funding plan and current high-yield savings (HYSA) rates. For personal-finance and wealth agents.
Output
Returns a recommended emergency fund target dollar amount tailored to the user's job stability and number of dependents, a step-by-step funding plan to reach that target, and the best current high-yield savings account rates for where to hold the funds.
Example use cases
Example prompt
“Can you size my emergency fund for me — I have a somewhat unstable freelance income, two dependents, and about $4,500 in monthly expenses, and I'd also like to know the best HYSA rates to park the money?”
Technical details
Endpoint
GEThttps://wealthpulse-phi.vercel.app/api/wealth/emergency?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user wants a personalized emergency fund target that accounts for their specific employment risk and household size, plus actionable guidance on where to save — rather than a generic '3-6 months expenses' rule of thumb. Especially valuable when the user also wants current HYSA rate comparisons in the same response.
Side effects
- Missing required inputs (job stability or dependents) result in an incomplete calculation
- HYSA rate data may be stale if upstream rate sources are unavailable
- Edge cases like highly irregular income or non-standard employment may produce less precise recommendations
- Service returns 402 if payment of 0.1 USDC is not provided
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"reasoning": "Two dependents and stable W-2 income support a standard 6-month target",
"disclaimer": "For informational purposes only. Interest rates change frequently — verify current APYs at bankrate.com or NerdWallet before opening an account.",
"amazon_link": "https://www.amazon.com/s?k=building+an+emergency+fund&tag=pulsenetwork7-20",
"current_gap": "$20,800 remaining to reach target",
"amazon_search": "building an emergency fund",
"best_accounts": [
{
"cons": [
"rate can drop with Fed cuts"
],
"pros": [
"FDIC insured",
"instant access"
],
"best_for": "the full 6-month target",
"account_type": "HYSA",
"current_apy_range": "4.5-5.0% APY"
}
],
"target_amount": {
"target": "$22,800",
"low_estimate": "$19,000",
"high_estimate": "$26,600",
"calculation_basis": "$3,800 monthly expenses x 6 months"
},
"funding_strategy": {
"first_move": "Open a HYSA and automate a transfer on payday",
"months_to_goal": "12",
"monthly_savings_goal": "$1,733"
},
"recommended_months": 6
}
}Tags
x402
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