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WealthPulse Snapshot — Financial Health Score & Action Plan
x402
WealthPulse Snapshot — Financial Health Score & Action Plan is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).
Analyzes a user's overall financial position to produce a personalized health score and highest-leverage action plan
Price / call$0.15
Success—
StatusUnknown
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
Returns a personalized financial health score and a prioritized, highest-leverage action plan based on the user's income, assets, debts, and financial position — highlighting the most impactful steps to improve overall financial wellness.
Example use cases
Quick financial health checkup before big purchase
“I'm thinking about buying a car and want to make sure my finances are in good shape first. Can you analyze my situation? I make $75,000 yearly, have $25,000 saved, $120,000 in home equity, $8,000 in car loans, and $3,000 credit card debt. What does my financial health look like and what should I prioritize before this purchase?”
New freelancer assessing overall money situation
“I just started freelancing and my income is now variable instead of a salary. My annual take-home is around $65,000 some years, I have $15,000 in savings, $50,000 in retirement accounts, no debt, but I'm worried about my financial stability. Can you give me a complete financial health check and tell me what matters most right now?”
Parent planning financial strategy for family
“My partner and I want to get our finances in order before we have kids. Together we make $140,000 a year, have $35,000 in savings, $180,000 in home equity, $22,000 in student loans, and $5,000 in car debt. What's our overall financial health and what should we tackle first to be in better shape for a growing family?”
Technical details
Endpoint
GEThttps://wealthpulse-phi.vercel.app/api/wealth/snapshotWhen to prefer
Choose this endpoint when a user wants a holistic, top-level view of their financial health rather than a deep-dive into a specific topic (e.g. debt payoff, retirement, or mortgage). It is the ideal starting point before drilling into specialized WealthPulse endpoints, as it surfaces which area deserves the most attention first.
Side effects
- Missing required financial inputs (income, assets, or debts) — returns 400 with validation error
- Payment not received or x402 payment header invalid — returns 402 Payment Required
- Rate limit exceeded — returns 429 Too Many Requests
- Malformed or out-of-range numeric values — returns 400 with field-level error
- Service temporarily unavailable on Vercel — returns 503
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"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"
}
]
}
}Tags
x402
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