{"uid":"cap_HtUo7sOrNo8m7tzP5GMDl","slug":"wealthpulse-emergency-fund-sizing-3525be7b","name":"WealthPulse Emergency Fund Sizing","description":"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.","url":"https://wealthpulse-phi.vercel.app/api/wealth/emergency?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"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"}}}}},"responseSchema":{"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}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_5YqLGFRa_gSia9P2p-NvI","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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","exampleAgentPrompt":"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?","exampleUseCases":null,"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T18:32:38.618Z","isFirstParty":false,"canonicalSlug":"wealthpulse-emergency-fund-sizing-3525be7b"}