{"uid":"cap_vMeMhW7mttjM7VbtALlT6","slug":"gig-worker-finance-api-retirement-optimizer-0d492702","name":"Gig Worker Finance API – Retirement 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/retirement-optimizer?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"age":{"type":"integer","maximum":120,"minimum":16,"description":"Age at Dec 31, 2026"},"tax_year":{"enum":[2026]},"w2_wages":{"type":"number","minimum":0,"description":"Other W-2 wages"},"net_profit":{"type":"number","minimum":0,"description":"Schedule C net profit for 2026"},"other_income":{"type":"number","minimum":0,"description":"Other ordinary taxable income"},"filing_status":{"enum":["single","mfj","mfs","hoh"]},"w2_401k_deferrals":{"type":"number","minimum":0,"description":"401(k)/403(b) deferrals already made through an employer in 2026"}}},"responseSchema":{"type":"json","example":{"age":52,"flags":["qbi_reduction_for_retirement_contributions_not_modelled","state_tax_not_included"],"plans":[{"plan":"solo_401k","catch_up":8000,"deadline_note":"Plan generally must be adopted by Dec 31, 2026 for 2026 deferrals (sole propriet…(truncated)","max_contribution":49228.34,"employee_deferral":24500,"employer_profit_sharing":16728.34,"estimated_federal_tax_saved":5089.25},{"plan":"sep_ira","catch_up":0,"deadline_note":"Can be opened and funded up to the 2026 return due date, including extensions (Apr 15, 2027; Oct 15, 2027 if extended).","max_contribution":16728.34,"employee_deferral":0,"employer_profit_sharing":16728.34,"estimated_federal_tax_saved":1969.25}],"limits":{"catch_up":8000,"annual_additions":72000,"elective_deferral":24500,"compensation_limit":360000,"employer_rate_on_nese":0.2},"figures":{"sources":["IRS Notice 2025-67","IRS Pub 560","IRS Rev. Proc. 2025-32"],"verified":true},"tax_year":2026,"disclaimer":"Estimate only, not tax advice. Federal, tax year 2026, simplified (see flags). V…(truncated)","net_profit":90000,"half_se_tax":6358.3,"filing_status":"single","marginal_rate":0.22,"recommended_plan":"solo_401k","extra_contribution_with_solo_401k":32500,"net_earnings_from_self_employment":83641.7}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"1.5","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":"$1.5/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"1.5","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"1.5","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_-OTruPUSXrBIlIxAFiwEG","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"1.5","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates maximum Solo 401(k) and SEP-IRA contribution limits and estimated federal tax savings for US self-employed / gig workers for tax year 2026.","exampleAgentPrompt":"I'm 52, single, with $90,000 in Schedule C net profit and no other income or existing 401k deferrals for 2026 — can you calculate my maximum Solo 401k and SEP-IRA contribution limits and tell me how much federal tax I'd save with each plan?","exampleUseCases":[{"title":"Freelancer comparing retirement plan options","prompt":"I'm 34 years old, single, made $75,000 net profit on Schedule C driving for rideshare in 2026, with no W-2 job or existing retirement contributions — which retirement plan should I open and what's the max I can put in?"},{"title":"Older gig worker maximizing catch-up contributions","prompt":"I'm 58, filing as single, with $120,000 Schedule C profit from my consulting business in 2026 and no W-2 wages — how much can I contribute to a Solo 401k including catch-up contributions, and what's my estimated federal tax savings?"},{"title":"Gig worker with W-2 job and side income","prompt":"I'm 41, married filing jointly, earned $40,000 in W-2 wages and $60,000 net profit from freelance design work on Schedule C in 2026, and I already put $5,000 into my employer's 401k — what's my max Solo 401k or SEP-IRA contribution and how much tax would I save?"}],"resultDescription":"Returns a JSON object with contribution breakdowns for Solo 401(k) and SEP-IRA plans, including employee deferral, employer profit-sharing, catch-up amounts, maximum total contribution, and estimated federal tax saved for each plan. Also includes the recommended plan, marginal tax rate, net earnings from self-employment (after half SE tax deduction), IRS source citations, applicable limits (elective deferral, annual additions, compensation cap), and any modelling flags or disclaimers.","failureModes":["Missing required fields (age, net_profit, filing_status, tax_year) return validation errors","net_profit of 0 or very low values may result in $0 contribution limits with no meaningful output","Age outside 16–120 range is rejected","tax_year must be 2026; other years return an error","w2_401k_deferrals exceeding elective deferral limit may cause unexpected limit calculations","Payment failure via x402 (insufficient USDC balance) blocks the call entirely"],"whenToPreferThis":"Choose this endpoint when you need a precise, IRS-sourced calculation of 2026 Solo 401(k) and SEP-IRA contribution limits and federal tax savings for a self-employed or gig worker. It is purpose-built for Schedule C / 1099 income scenarios, handles catch-up contributions for workers 50+, accounts for existing employer 401k deferrals, and returns plan-level comparisons with deadline notes. Prefer it over generic tax calculators when the user's goal is specifically retirement contribution optimization for gig/freelance income.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:30:03.133Z","isFirstParty":false,"canonicalSlug":"gig-worker-finance-api-retirement-optimizer-0d492702"}