{"uid":"cap_Ouax20j9WNRvaj7S6ep6z","slug":"gig-worker-deduction-optimizer-272ec549","name":"Gig Worker Deduction Optimizer","description":"Pay-per-call finance tools for US gig workers, paid in USDC on Base via x402. Not tax or financial advice.","url":"https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/deduction-optimizer?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"vehicle":{"type":"object","required":["business_miles_jan_jun","business_miles_jul_dec","total_miles","actual_costs"],"properties":{"total_miles":{"type":"number","minimum":0,"description":"All miles driven in 2026"},"actual_costs":{"type":"number","minimum":0,"description":"Total annual vehicle costs (gas, insurance, repairs, lease, depreciation)"},"parking_tolls":{"type":"number","minimum":0},"business_miles_jan_jun":{"type":"number","minimum":0},"business_miles_jul_dec":{"type":"number","minimum":0},"first_year_in_business_use":{"type":"boolean"}},"additionalProperties":false},"tax_year":{"enum":[2026]},"w2_wages":{"type":"number","minimum":0},"home_office":{"type":"object","required":["office_sqft","home_sqft","annual_home_expenses"],"properties":{"home_sqft":{"type":"number","exclusiveMinimum":0},"office_sqft":{"type":"number","minimum":0},"annual_home_expenses":{"type":"number","minimum":0,"description":"Rent/mortgage interest, utilities, insurance, repairs"}},"additionalProperties":false},"other_income":{"type":"number","minimum":0},"filing_status":{"enum":["single","mfj","mfs","hoh"]},"phone_internet":{"type":"object","required":["annual_cost","business_pct"],"properties":{"annual_cost":{"type":"number","minimum":0},"business_pct":{"type":"number","maximum":1,"minimum":0}},"additionalProperties":false},"net_profit_before_deductions":{"type":"number","minimum":0,"description":"Schedule C profit before the vehicle/home office/phone deductions"}}},"responseSchema":{"type":"json","example":{"flags":["standard_mileage_in_first_year_keeps_option_to_switch_later","actual_vehicle_costs_should_include_depreciation_or_lease_depreciation_limits_not_modelled","home_office_limited_to_business_income_not_modelled_beyond_net_profit_floor"],"items":[{"note":"Business use 78.13%. Standard = 12500 mi at 72.5¢ (Jan-Jun) / 76¢ (Jul-Dec) + parking/tolls.","method":"standard_mileage","category":"vehicle","deduction":9530,"schedule_c_line":"Line 9 (car and truck expenses); Form 4562 / Part IV","alternative_method":"actual_expenses","alternative_deduction":7271.25},{"note":"Simplified $5/sq ft up to 300 sq ft. Space must be used regularly and exclusively for business.","method":"regular","category":"home_office","deduction":3600,"schedule_c_line":"Line 30 (business use of home); Form 8829 for regular method","alternative_method":"simplified","alternative_deduction":750},{"note":"Deduct only the business-use share; keep usage records.","method":"business_use_pct","category":"phone_internet","deduction":900,"schedule_c_line":"Line 25 (utilities) or Line 27a (other expenses)","alternative_method":null,"alternative_deduction":0}],"rates":{"mileage_jan_jun":0.725,"mileage_jul_dec":0.76,"home_office_simplified_max_sqft":300,"home_office_simplified_per_sqft":5},"figures":{"sources":["IRS Notice 2026-10","IRS Announcement 2026-11","Rev. Proc. 2013-13"],"verified":true},"tax_year":2026,"disclaimer":"Estimate only, not tax advice. Federal, tax year 2026, simplified (see flags). V…(truncated)","estimated_tax":{"after":7650.53,"saved":3234.1,"before":10884.63,"se_tax_saved":1982.37,"income_tax_saved":1251.73},"filing_status":"single","total_deduction":14030,"gain_vs_worse_methods":5108.75}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","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":"$1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_UZi89LXMaS3JrDRk0qVyJ","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates and compares optimal US tax deductions (vehicle, home office, phone/internet) for gig workers filing Schedule C for tax year 2026","exampleAgentPrompt":"I drove 16,000 miles total this year for my Uber and DoorDash work — 8,000 business miles January through June and 6,000 July through December — with $9,000 in actual vehicle costs. My home office is 200 sq ft in a 1,600 sq ft apartment with $24,000 in annual home expenses, I spend $1,200/year on phone and internet at 75% business use, my Schedule C net profit before deductions is $52,000, and I'm filing single with no W2 wages — can you tell me which deduction methods maximize my tax savings for 2026?","exampleUseCases":[{"title":"Rideshare driver maximizing vehicle deduction","prompt":"I drove 20,000 total miles this year, 12,000 for Lyft from January to June and 5,000 July through December. My actual car costs were $8,500 including gas, insurance, and repairs. I also paid $150 in tolls. It's my first year using the car for business. My net Schedule C profit is $38,000 and I'm filing single. Which vehicle deduction method — standard mileage or actual costs — will save me more on my 2026 taxes?"},{"title":"Freelancer with home office and phone deductions","prompt":"I'm a freelance graphic designer filing single for 2026. My home office is 150 sq ft in a 900 sq ft apartment, annual home expenses are $18,000. I pay $1,800/year for phone and internet and use it 80% for business. My Schedule C profit before deductions is $65,000. Can you run the deduction optimizer and show me my estimated tax savings?"},{"title":"Delivery worker comparing all three deduction categories","prompt":"I do DoorDash full-time — $44,000 net profit before deductions, filing as head of household. I drove 22,000 total miles, 9,500 business miles Jan-June and 8,000 July-December, actual vehicle costs $7,200. Home office is 100 sq ft in a 750 sq ft place with $15,000 annual housing expenses. Phone/internet runs $960 a year, about 60% business use. Can you figure out the best deduction strategy across vehicle, home office, and phone for my 2026 Schedule C?"}],"resultDescription":"Returns a list of deduction items per category (vehicle, home office, phone/internet), each with the recommended method, dollar deduction amount, relevant Schedule C line, an alternative method with its deduction, and explanatory notes. Also includes current IRS mileage rates, total combined deduction, estimated self-employment tax before and after deductions, income tax saved, SE tax saved, total tax savings, and gain versus using suboptimal methods. Flags any limitations or assumptions in the model. Cites IRS sources (e.g. IRS Notice 2026-10).","failureModes":["Missing required vehicle sub-fields (business_miles_jan_jun, business_miles_jul_dec, total_miles, actual_costs) returns validation error","Missing required home_office sub-fields (office_sqft, home_sqft, annual_home_expenses) returns validation error","Missing required phone_internet sub-fields (annual_cost, business_pct) returns validation error","tax_year value other than 2026 is rejected (enum constraint)","filing_status value not in ['single','mfj','mfs','hoh'] rejected","business_pct greater than 1.0 rejected (maximum constraint)","office_sqft of 0 or home_sqft of 0 may produce zero or limited deductions","Payment failure via x402/USDC results in 402 response and no computation","Home office deduction limited to net profit floor (not modelled beyond that — flagged in response)"],"whenToPreferThis":"Use this endpoint when a user is a US-based gig or self-employed worker who needs to compare and optimize Schedule C deductions specifically for vehicle (standard mileage vs actual costs), home office (regular vs simplified method), and phone/internet expenses for tax year 2026. It is purpose-built for the gig economy (rideshare, delivery, freelance) rather than general business tax software. Prefer this over generic tax calculators when the user needs explicit Schedule C line references, IRS-cited rates, and a direct comparison of deduction methods with dollar amounts. Not suitable for W2-only employees, non-US filers, or tax years other than 2026.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:38:24.461Z","isFirstParty":false,"canonicalSlug":"gig-worker-deduction-optimizer-272ec549"}