{"uid":"cap_rqKsnNuU0usiMB3loXO7u","slug":"gig-worker-finance-api-budget-report-premium-3130c2db","name":"Gig Worker Finance API – Budget Report Premium","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/budget-report-premium?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"as_of":{"type":"string","format":"date","description":"Forecast start (default: day after last payout)"},"bills":{"type":"array","items":{"type":"object","required":["name","amount","frequency"],"properties":{"name":{"type":"string","minLength":1},"amount":{"type":"number","minimum":0},"due_day":{"type":"integer","maximum":31,"minimum":1,"description":"Monthly bills: day of month due (default 1)"},"next_due":{"type":"string","format":"date","description":"Next due date; schedules the bill on its cadence (otherwise non-monthly bills accrue weekly as a sinking fund)"},"frequency":{"enum":["Weekly","Monthly","Quarterly","Semi-annual","Annual"]}},"additionalProperties":false},"maxItems":200,"description":"Fixed bills / bare-bones essentials."},"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"}},"additionalProperties":false},"maxItems":1000,"minItems":1,"description":"Recent gig payouts (gross + tips). Ideally 2-6 months."},"settings":{"type":"object","properties":{"savings_pct":{"type":"number","default":0.1,"maximum":1,"minimum":0},"salary_override":{"type":"number","minimum":0},"starting_buffer":{"type":"number","default":0,"minimum":0},"tax_set_aside_pct":{"type":"number","default":0.25,"maximum":1,"minimum":0},"buffer_target_months":{"type":"number","default":3,"minimum":0}},"additionalProperties":false}}},"responseSchema":{"type":"json","example":{"forecast":{"weeks":[{"week":1,"savings":77.27,"bills_due":104.62,"buffer_end":2552.66,"net_income":502.27,"week_start":"2026-10-19","buffer_start":2155,"tax_set_aside":193.18,"projected_income":772.73,"low_case_buffer_end":2050.38},{"week":2,"savings":77.27,"bills_due":1274.62,"buffer_end":1780.31,"net_income":502.27,"week_start":"2026-10-26","buffer_start":2552.66,"tax_set_aside":193.18,"projected_income":772.73,"low_case_buffer_end":775.77},{"week":3,"savings":77.27,"bills_due":104.62,"buffer_end":2177.97,"net_income":502.27,"week_start":"2026-11-02","buffer_start":1780.31,"tax_set_aside":193.18,"projected_income":772.73,"low_case_buffer_end":671.15}],"start_date":"2026-10-19","ending_buffer":3814.55,"lowest_buffer":1780.31,"weeks_of_history":11,"income_volatility_cv":0.99,"low_case_weekly_income":0,"projected_weekly_income":772.73},"breakdown":{"monthly":[{"extra":0,"month":"2026-07","income":2700,"savings":270,"surplus":131.67,"available":1755,"to_buffer":131.67,"buffer_end":1631.67,"from_buffer":0,"unfunded_gap":0,"steady_salary":1623.33,"tax_set_aside":675},{"extra":0,"month":"2026-08","income":2000,"savings":200,"surplus":-323.33,"available":1300,"to_buffer":0,"buffer_end":1308.33,"from_buffer":323.33,"unfunded_gap":0,"steady_salary":1623.33,"tax_set_aside":500},{"extra":0,"month":"2026-09","income":3800,"savings":380,"surplus":846.67,"available":2470,"to_buffer":846.67,"buffer_end":2155,"from_buffer":0,"unfunded_gap":0,"steady_salary":1623.33,"tax_set_aside":950}],"savings_pct":0.1,"buffer_target":4870,"buffer_balance":2155,"avg_monthly_income":2833.33,"months_with_income":3,"safe_monthly_spend":218.33,"avg_monthly_savings":283.33,"fixed_bills_monthly":1623.33,"avg_monthly_available":1841.67,"buffer_months_covered":1.33,"steady_salary_monthly":1623.33,"avg_monthly_tax_set_aside":708.33},"disclaimer":"Projection from past payouts; not financial advice.","risk_flags":[{"code":"low_case_buffer_negative","message":"In a low-income week scenario (25th percentile) the buffer goes negative within 13 weeks.","severity":"medium"},{"code":"income_volatility_high","message":"Weekly income varies a lot (CV 0.99).","severity":"medium"},{"code":"buffer_below_target","message":"Buffer is below the 3-month target.","severity":"low"}],"buffer_days":40,"buffer_score":{"score":51,"explanation":["Buffer coverage: 1.33 of 3 target months → 17.7/40","Lowest projected buffer over 13 weeks: $1780.31 → 25/25","Income stability (weekly CV 0.99) → 0.29/20"]},"safe_weekly_spend":50.38,"tax_set_aside_pct":0.25}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$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_BXgQfwJJ6mmaupGLRAERM","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":"Generates a weekly cash-flow forecast and monthly budget breakdown for US gig workers from their payout history and fixed bills, with risk flags and safe-spend guidance.","exampleAgentPrompt":"I drive for Uber and do DoorDash on the side — here are my last 3 months of payouts. My fixed bills are rent ($1,200/month), car insurance ($180/month), and phone ($80/month). Can you run a budget report with 25% set aside for taxes, 10% savings, and a starting buffer of $2,155 to show me what my safe weekly spend looks like and flag any risky weeks?","exampleUseCases":[{"title":"Rideshare driver monthly budget check","prompt":"I've been driving for Lyft and Uber for the past 4 months — here are all my weekly payouts. My monthly bills are rent $1,400, car payment $350, insurance $210, and utilities $120. Set aside 25% for taxes and 10% for savings, and tell me how much I can safely spend each month and whether my buffer will cover a slow month."},{"title":"Freelancer tax set-aside planning","prompt":"I'm a freelance designer with really uneven income — some months I make $5,000, others barely $1,500. Can you analyze my last 6 months of payouts and tell me how much I should be setting aside for taxes each week, what my income volatility looks like, and flag any weeks where I might dip below a safe buffer?"},{"title":"Gig worker building emergency fund","prompt":"I do gig work across Instacart and TaskRabbit and I want to build a 3-month emergency buffer. My starting buffer is $800, my bills total about $900 a month, and I want to save 15% of every payout. Based on my last 10 weeks of earnings, how long will it take to hit my buffer target and what are my riskiest weeks?"}],"resultDescription":"Returns a JSON object with two main sections: (1) a week-by-week forecast covering projected income, tax set-aside, savings, bills due, buffer start/end, and a low-case buffer scenario for each upcoming week; and (2) a monthly breakdown showing income, available cash, surplus/deficit, buffer movements, safe monthly spend, and aggregate stats like income volatility (CV), average monthly income, and months of buffer covered. Also includes risk flags (e.g. low-case buffer going negative) and a disclaimer that this is not financial advice.","failureModes":["Missing required 'payouts' array (minItems:1) returns validation error","Invalid date format in 'as_of' or payout dates causes schema rejection","Bill frequency enum mismatch (e.g. 'weekly' instead of 'Weekly') causes rejection","Exceeding maxItems:1000 for payouts or maxItems:200 for bills causes rejection","Payment failure via x402 (insufficient USDC) results in 402 response before processing","Negative or out-of-range settings values (e.g. savings_pct > 1) fail schema validation"],"whenToPreferThis":"Choose this endpoint when you need a comprehensive, forward-looking cash-flow forecast specifically tailored to irregular gig/freelance income patterns, including income volatility analysis, low-case scenario modeling, sinking fund scheduling for non-monthly bills, and buffer adequacy assessment — rather than a simple expense tracker or generic budget calculator. Best for US gig workers with 2-6 months of payout history across platforms like Uber, DoorDash, Instacart, or freelance clients.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:39:10.312Z","isFirstParty":false,"canonicalSlug":"gig-worker-finance-api-budget-report-premium-3130c2db"}