# WealthPulse Financial Health Snapshot

> WealthPulse Financial Health Snapshot is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).

Returns a plain-English financial-health assessment with estimated net worth, savings rate, debt-to-income ratio, emergency-fund months, and ranked next actions by effort vs. impact.

## Facts

- Endpoint: GET https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-financial-health-snapshot-0a012db1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_a_705PiNvJ-7cZHSq7cqm

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-financial-health-snapshot-0a012db1
```

Example prompt: Can you give me a full financial health snapshot — I make $85,000 a year, have $12,000 in savings, $28,000 in student loans, $8,000 in credit card debt, and my monthly expenses run about $4,200? I want to know my debt-to-income ratio, how many months of emergency fund I have, my savings rate, an estimated net worth, and what I should fix first ranked by how easy vs. impactful each action is.

## When to prefer this

Use this endpoint when a user wants a holistic, all-in-one financial health assessment rather than a single metric. Prefer this over standalone debt, emergency fund, or savings calculators when the user asks 'how am I doing overall' or 'what should I fix first' — it synthesizes multiple dimensions and returns ranked actions.

## Known failure modes

- Missing required income or expense inputs — returns 400 with explanation of required fields
- Incomplete debt or asset data produces low-confidence estimates flagged in the response
- Invalid numeric values (negative income, etc.) trigger validation errors
- Service unavailable returns 503; payment not processed on failure

## How this service works

How healthy are my finances right now, and what should I fix first? Financial-health snapshot with a plain-English assessment, estimated net worth, savings rate, debt-to-income, and emergency-fund months, plus the highest-leverage next actions ranked by effort vs. impact. For personal-finance and wealth agents.

## Output

A plain-English financial health assessment including estimated net worth, savings rate percentage, debt-to-income ratio, emergency fund coverage in months, and a prioritized list of next actions ranked by effort vs. impact — telling the user exactly what to fix first.

## 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": {
      "age": {
       "type": "string",
       "description": "required"
      },
      "debt": {
       "type": "string",
       "description": "28000 (total non-mortgage debt USD)"
      },
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh | ar"
      },
      "income": {
       "type": "string",
       "description": "85000 (annual income USD, required)"
      },
      "savings": {
       "type": "string",
       "description": "45000 (total savings/investments USD)"
      },
      "expenses": {
       "type": "string",
       "description": "4200 (monthly expenses 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": {
  "summary": "Solid savings rate but debt and a thin emergency fund are holding back real progress.",
  "concerns": [
   "Emergency fund covers only 2.6 months",
   "Debt-to-income at 33% limits flexibility"
  ],
  "strengths": [
   "27% savings rate",
   "no high-interest revolving balances growing"
  ],
  "disclaimer": "For informational purposes only. Not financial, tax, or legal advice. Consult a licensed financial advisor for personalized guidance.",
  "key_ratios": {
   "savings_rate": "27%",
   "debt_to_income": "0.33",
   "emergency_fund_months": "2.6"
  },
  "amazon_link": "https://www.amazon.com/s?k=personal+finance+fundamentals&tag=pulsenetwork7-20",
  "health_score": "okay",
  "rate_context": "Current savings rates favor keeping the emergency fund in a HYSA rather than idle cash",
  "amazon_search": "personal finance fundamentals",
  "net_worth_estimate": "$17,000",
  "highest_leverage_moves": [
   {
    "why": "Removes the risk of high-interest debt during an income gap",
    "rank": 1,
    "action": "Build emergency fund to 6 months",
    "effort": "medium",
    "impact": "high"
   },
   {
    "why": "Frees up cash flow and stops compounding interest",
    "rank": 2,
    "action": "Eliminate the highest-rate debt first",
    "effort": "medium",
    "impact": "high"
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-financial-health-snapshot-0a012db1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse.theaslangroupllc.com](https://www.zero.xyz/host/wealthpulse.theaslangroupllc.com/llms.txt)