wealthpulse
WealthPulse: Personal finance intelligence API. 12 endpoints grounded in live FRED rate data — financial health, retirement, debt, credit cards, mortgage, Social Security, tax optimization, Roth vs Traditional, em
Coverage: Global
Endpoints: • snapshot ($0.15): Financial health snapshot • retire ($0.15): Retirement readiness projection • debt ($0.10): Avalanche vs snowball debt payoff strategy • cards ($0.10): Best credit card for your spending profile • mortgage ($0.10): How much house can I afford • debt-negotiate ($0.15): Can I settle this debt for less • advisor ($0.10): Financial advisor finder, comparison, and background check • ssa ($0.15): Social Security claiming strategy • tax ($0.15): Year-end tax optimization • roth ($0.10): Roth vs Traditional IRA/401k decision • emergency ($0.10): Emergency fund sizing • inheritance ($0.10): Inherited IRA and estate rules • trump-account ($0.15): Trump Account (IRC §530A) eligibility, strategy, and rules • bank-health ($0.25): Is my bank safe? FDIC Call Report bank-health check • bank-check ($0.02): FDIC bank-health check — deterministic Call Report primitive • unclaimed ($0.50): Find unclaimed money owed to you • card-benefit ($0.05): Credit-Card Benefit Coverage Check • card-benefit-pack ($2.00): Card-Benefit Claim Pack • card-benefit-preview ($0.25): Card-Benefit Coverage PREVIEW
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| age | No | age | |
| bank | No | Bank name or FDIC certificate (CERT) number | |
| card | No | Card slug (sapphire-reserve, platinum, venture-x, ...) | |
| debt | No | Total non-mortgage debt in USD | |
| down | No | Down payment in USD | |
| firm | No | Optional firm name; used alongside name for action=vet | |
| goal | No | For action=strategy: the savings goal for this child | |
| lang | No | lang | |
| name | No | Required for action=vet (advisor name) | |
| type | No | credit_card | medical | personal | auto | student | |
| debts | No | name:balance:rate format, comma-separated (e.g. credit-card:8500:24,car-loan:12000:6.5) | |
| extra | No | Extra monthly payment available in USD (optional) | |
| state | No | state | |
| topic | No | For action=rules (optional): focus the rules answer on this topic | |
| action | No | Required. One of: find, compare, vet. | |
| health | No | health | |
| income | No | Annual income in USD | |
| issuer | No | Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc) | |
| states | No | Comma-separated US state codes you have lived/worked in (e.g. CA,TX,NY) | |
| balance | No | Balance owed in USD | |
| benefit | No | Benefit to check | |
| has_ssn | No | For action=eligibility: does the child have a Social Security Number | |
| monthly | No | Monthly spend in USD (default: 3000) | |
| savings | No | Total savings/investments in USD | |
| advisors | No | Required for action=compare (e.g. "Advisor A 1% AUM, Advisor B flat fee") | |
| creditor | No | The collector or original creditor name | |
| expenses | No | Monthly expenses in USD | |
| job_type | No | job_type | |
| location | No | location | |
| your_age | No | Your current age | |
| child_age | No | For action=strategy: the child's current age | |
| countries | No | Comma-separated non-US jurisdictions: CA (Canada), GB, CH, AU, AU-VIC, AU-NSW | |
| retire_at | No | retire_at | |
| situation | No | Optional free-text context about your situation | |
| specialty | No | Required for action=find (e.g. retirement planning, tax, estate, investment) | |
| birth_date | No | Alternative to birth_year for action=eligibility (e.g. 2026-03-15) | |
| birth_year | No | Year of birth (used to calculate Full Retirement Age) | |
| dependents | No | Number of dependents | |
| item_price | No | Item price — recoverable estimate = min(price, cap) - deductible | |
| situations | No | Life events unlocking federal/special sources: former_pension | failed_bank | failed_credit_union | fha_mortgage | savings_bonds | deceased_relative | old_employer | moved_states | former_business | |
| us_citizen | No | For action=eligibility: is the child a US citizen. Required for the $1,000 pilot only — NOT required for the account itself. | |
| delay_hours | No | Trip delay: hours delayed (triggers are 6h or 12h by card tier) | |
| account_type | No | account_type | |
| credit_score | No | Approximate credit tier | |
| current_fund | No | Existing emergency fund in USD | |
| relationship | No | relationship | |
| budget_yearly | No | For action=strategy: how much can be contributed per year, in USD | |
| filing_status | No | filing_status | |
| incident_date | No | Damage/theft/delay date YYYY-MM-DD — filing deadlines computed from this | |
| purchase_date | No | Item/ticket purchase date YYYY-MM-DD (eligibility windows + warranty math) | |
| spend_profile | No | Required. Free text, e.g. travel, dining, groceries, gas, cashback. | |
| target_income | No | target_income | |
| employer_match | No | Whether your employer offers a 401k match (yes/no) | |
| marital_status | No | marital_status | |
| prior_election | No | For action=eligibility: has an account already been elected for this child | |
| ssn_work_valid | No | For action=eligibility: is that SSN valid for employment, issued before election | |
| warranty_years | No | Extended warranty: original manufacturer warranty length | |
| cardholder_name | No | Name for the cover note (placeholder if omitted) | |
| employer_program | No | For action=strategy: does an employer offer a Trump Account matching program | |
| item_description | No | What the item/trip is (cover note) | |
| original_owner_age | No | Original owner's age at time of death | |
| phone_paid_on_card | No | Cell phone: was the prior month's wireless bill paid on this card |