# WealthPulse Snapshot — Financial Health Score & Action Plan

> 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

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/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-snapshot-financial-health-score-action-plan-8d56b0e8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bSiNdLrMu9Ed1Bypxwaz_

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-snapshot-financial-health-score-action-plan-8d56b0e8
```

Example prompt: Can you give me a WealthPulse snapshot of my finances — I earn $95,000 a year, have $42,000 in a 401k, $8,000 in savings, $18,000 in student loans, and $4,200 in credit card debt — what's my financial health score and what's the single highest-leverage thing I should do first?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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-snapshot-financial-health-score-action-plan-8d56b0e8/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)