{"uid":"cap_iB73oG1IxvgAcp3c_zL6Q","slug":"gig-worker-tax-estimator-x402-0c839fbc","name":"Gig Worker Tax Estimator (x402)","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/gig-tax-estimate?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"state":{"type":"string","pattern":"^[A-Za-z]{2}$","description":"Echoed only; state tax is not computed"},"payouts":{"type":"array","items":{"type":"object","required":["amount","date"],"properties":{"date":{"type":"string","format":"date","description":"YYYY-MM-DD"},"amount":{"type":"number","minimum":0},"platform":{"type":"string"}}},"maxItems":5000,"minItems":1,"description":"Alternative to gross_income; only payouts dated in tax_year are summed"},"expenses":{"type":"number","minimum":0,"description":"Deductible Schedule C business expenses (e.g. mileage)"},"tax_year":{"enum":[2025,2026]},"w2_wages":{"type":"number","minimum":0,"description":"Other W-2 wages (reduce remaining SS wage base)"},"withholding":{"type":"number","minimum":0,"description":"Federal income tax withheld this year"},"gross_income":{"type":"number","minimum":0,"description":"Projected annual 1099/gig gross income"},"other_income":{"type":"number","minimum":0,"description":"Other ordinary taxable income"},"filing_status":{"enum":["single","mfj","mfs","hoh"]},"prior_year_agi":{"type":"number","minimum":0,"description":"Prior-year AGI; > $150k ($75k MFS) triggers 110% safe harbor"},"prior_year_tax":{"type":"number","minimum":0,"description":"Prior-year total tax (Form 1040 line 24) for safe harbor"}}},"responseSchema":{"type":"json","example":{"flags":["state_tax_not_included"],"state":"TX","income":{"agi":46467.61,"expenses":10000,"w2_wages":0,"net_profit":50000,"gross_income":60000,"other_income":0},"figures":{"sources":["IRS Rev. Proc. 2024-40","IRS Rev. Proc. 2025-32","OBBBA §70102 (2025 standard deduction)"],"verified":true},"tax_year":2026,"total_tax":9732.07,"deductions":{"half_se_tax":3532.39,"qbi_deduction":6073.52,"standard_deduction":16100},"disclaimer":"Estimate only, not tax advice. Federal only (no state/local tax). Simplified QBI…(truncated)","income_tax":{"total":2667.29,"brackets":[{"to":12400,"tax":1240,"from":0,"rate":0.1,"taxable_in_bracket":12400},{"to":50400,"tax":1427.29,"from":12400,"rate":0.12,"taxable_in_bracket":11894.09}],"marginal_rate":0.12,"taxable_income":24294.09},"safe_harbor":{"basis":"prior_year","prior_year_pct":1,"prior_year_amount":8000,"current_year_90pct":8758.86,"required_annual_payment":8000},"withholding":0,"filing_status":"single","quarterly_payments":[{"amount":2000,"quarter":1,"due_date":"2026-04-15"},{"amount":2000,"quarter":2,"due_date":"2026-06-15"},{"amount":2000,"quarter":3,"due_date":"2026-09-15"}],"self_employment_tax":{"total":7064.78,"medicare":1339.08,"ss_wage_base":184500,"net_se_earnings":46175,"social_security":5725.7,"additional_medicare_tax":0},"recommended_set_aside_pct":0.17,"estimated_payments_required":true,"effective_rate_on_net_profit":0.194641}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.5","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":"$0.5/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.5","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_WGdVAYXoDpUL0WENQHH1F","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.5","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Estimates federal self-employment tax, income tax, quarterly payments, and safe harbor amounts for US gig/1099 workers, paid per-call in USDC on Base.","exampleAgentPrompt":"I'm a single filer with about $60,000 in Uber/DoorDash gross income for 2026, $10,000 in deductible mileage expenses, and no W-2 wages — can you estimate my federal self-employment tax, income tax, quarterly payment amounts, and what percentage of income I should set aside?","exampleUseCases":[{"title":"Quarterly payment planning for rideshare driver","prompt":"I drove for Lyft and Uber this year and expect to make around $45,000 gross for 2025 as a single filer. I have $8,000 in mileage expenses and no other income or withholding. What are my quarterly estimated tax due dates and payment amounts?"},{"title":"Safe harbor calculation after high-income prior year","prompt":"Last year my AGI was $160,000 and I paid $38,000 in federal tax. This year I'm freelancing and expect $120,000 gross with $15,000 in expenses, filing jointly for 2025. What's my safe harbor payment amount so I avoid underpayment penalties?"},{"title":"Set-aside percentage from gig payouts","prompt":"I get paid weekly through Instacart and Fiverr — here are my payouts from January through June 2026 totaling $28,000. Filing single, no other income. What percentage of each paycheck should I be saving for federal taxes and what do I owe quarterly?"}],"resultDescription":"Returns a detailed JSON object with: net profit after expenses, adjusted gross income, self-employment tax broken down by Social Security and Medicare components, federal income tax by bracket with marginal and effective rates, standard deduction, half-SE-tax deduction, QBI deduction, a quarterly payment schedule with due dates, safe harbor basis and required annual payment amount, recommended set-aside percentage, and a disclaimer noting federal-only scope (no state tax).","failureModes":["Missing required payouts array AND gross_income — at least one income input is required","tax_year outside allowed enum [2025, 2026] returns validation error","Negative values for expenses, wages, or income rejected by schema minimum:0 constraint","Filing status not matching allowed enum values (single, mfj, mfs, hoh) causes 400","Payouts array exceeding 5000 items may cause processing errors","State field is echoed only — no state tax is computed, which may disappoint users expecting state estimates","Payment of 0.5 USDC via x402 required per call — insufficient balance causes 402 Payment Required"],"whenToPreferThis":"Use this endpoint when you need a detailed, structured federal tax estimate specifically for US gig/1099/self-employed workers, including self-employment tax breakdowns, QBI deductions, quarterly payment schedules, and safe harbor calculations. Prefer it over generic tax calculators when the user's income is primarily 1099/freelance and they need actionable quarterly payment amounts. Note it covers federal tax only (no state/local) and is not a substitute for a licensed tax professional.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:39:49.541Z","isFirstParty":false,"canonicalSlug":"gig-worker-tax-estimator-x402-0c839fbc"}