# WealthPulse Emergency Fund Sizing

> 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

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/emergency?utm_source=zero.xyz
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-27
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-emergency-fund-sizing-3525be7b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_HtUo7sOrNo8m7tzP5GMDl

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 wealthpulse-emergency-fund-sizing-3525be7b
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "income": {
       "type": "string",
       "description": "65000 (annual income USD, required)"
      },
      "expenses": {
       "type": "string",
       "description": "3800 (monthly expenses USD)"
      },
      "job_type": {
       "type": "string",
       "description": "stable | variable | entrepreneur (default: stable)"
      },
      "dependents": {
       "type": "string"
      },
      "current_fund": {
       "type": "string",
       "description": "2000 (existing emergency savings USD)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-emergency-fund-sizing-3525be7b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)