{"uid":"cap_sJNBMtfMsckbOE6ifBkNN","slug":"gig-worker-safe-weekly-spend-calculator-2533e183","name":"Gig Worker Safe Weekly Spend Calculator","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/safe-weekly-spend?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"bills":{"type":"array","items":{"type":"object","required":["name","amount","frequency"],"properties":{"name":{"type":"string","minLength":1},"amount":{"type":"number","minimum":0},"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":{"breakdown":{"monthly":[{"extra":0,"month":"2026-07","income":2700,"savings":270,"surplus":131.67,"available":1755,"to_buffer":131.67,"buffer_end":131.67,"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":0,"from_buffer":131.67,"unfunded_gap":191.67,"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":846.67,"from_buffer":0,"unfunded_gap":0,"steady_salary":1623.33,"tax_set_aside":950}],"savings_pct":0.1,"buffer_target":4870,"buffer_balance":846.67,"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":0.52,"steady_salary_monthly":1623.33,"avg_monthly_tax_set_aside":708.33},"buffer_days":15,"safe_weekly_spend":50.38,"tax_set_aside_pct":0.25}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","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":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_hxBBvfbWFIo0uKcvGDKZ3","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates a safe weekly discretionary spending amount for US gig workers based on recent payouts, fixed bills, tax set-asides, and savings goals.","exampleAgentPrompt":"I drive for Uber and Lyft and my payouts have been pretty uneven — here are my last 3 months of payouts: $2700 in July, $2000 in August, and $3800 in September. My fixed bills total about $1,623/month. Set aside 25% for taxes and 10% for savings, with a 3-month buffer target. What's my safe weekly spending amount?","exampleUseCases":[{"title":"Rideshare driver weekly budget check","prompt":"I do rideshare driving full time and my income varies a lot. My last 6 payouts were $1,800, $2,400, $1,500, $3,100, $2,200, and $2,900. My monthly bills — rent, phone, insurance — add up to about $1,400. Can you tell me how much I can safely spend each week after setting aside 25% for taxes and 10% for savings?"},{"title":"DoorDash courier tax and buffer planning","prompt":"I deliver for DoorDash and want to make sure I'm not spending money I'll need for taxes. My payouts over the last 4 months were $1,200, $1,800, $900, and $2,100. My recurring bills are rent at $800/month and a $120/month phone plan. Set aside 30% for taxes, 10% for savings, and target a 3-month emergency buffer — what's my safe weekly spend?"},{"title":"Multi-platform gig worker income smoothing","prompt":"I work across Instacart, TaskRabbit, and Fiverr so my income is really unpredictable. Here are my payouts from the last few months by platform and date — can you analyze these and tell me what a stable weekly spending number looks like, after covering my $1,100 in monthly bills, 25% tax set-aside, and 10% savings goal?"}],"resultDescription":"Returns a JSON object with a safe_weekly_spend dollar amount, a safe_monthly_spend amount, a buffer coverage metric, and a full month-by-month breakdown showing income, taxes set aside, savings, buffer contributions/draws, surplus/deficit, and any unfunded gaps across the input period.","failureModes":["Missing required payouts array — returns validation error","payouts array is empty (minItems:1 violated) — returns 400-level error","Bill amount or payout amount is negative — schema validation failure","Invalid date format in payout entries — rejected by date format validation","tax_set_aside_pct or savings_pct outside 0–1 range — schema error","Too many payouts (>1000) or bills (>200) — request rejected"],"whenToPreferThis":"Choose this endpoint when you need to compute a concrete, personalized weekly discretionary spending limit for a gig worker with irregular income history, fixed recurring bills, and desired tax and savings set-aside rates. It is specifically designed for the income-smoothing and budgeting challenges unique to 1099/gig workers, as opposed to generic budget calculators that assume steady employment income.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:39:30.629Z","isFirstParty":false,"canonicalSlug":"gig-worker-safe-weekly-spend-calculator-2533e183"}