➕ Your gross earnings in the Financial Wellbeing app are calculated based on your hourly rate (if you are an hourly employee) or your salary (if you are a salaried employee). 

NOTE: Gross means the total or whole amount of something, before any deductions are made such as tax & National Insurance contributions.

• Your employer approves and sends your shift/salary data to us, at which point we add it to the app. Submission and sync times vary at the discretion of your employer.

• Your earnings will consider the hours you've worked up to the current moment. 

💷 Your streamable balance will not be the same as your earnings 

• Employer-set limits are applied to your earnings by default and can include a cap on what % of your earnings you can access early, the maximum amount of money you can access early and the maximum number of Streams you can make in a single pay period. This will be reflected in your balance calculation in the app. 

• A full breakdown of how your balance has been calculated can be found by tapping the ℹ️ symbol at the top of the Track page

🗓️ The app typically follows your employer's pay cycle. So, if your regular payday is at the end of the month or bi-weekly, your available balance will be calculated up to the current date in that pay cycle.