Core Engine

The Clean Paycheck Protocol

True discretionary income — the number you see is the number you can spend.

How it works

Salary arrives

Employer's BACS payment hits the tPay365 ingestion layer

Obligations extracted

Rent, bills, loans, and savings are vaulted instantly

Clean Paycheck released

Only genuinely spendable money reaches your account

The difference is clarity

Traditional bank view

Available Balance

£2,400.00

Looks great. But how much can you actually spend?

Hidden obligations

Rent-£850.00

Bills-£215.00

Loan repayment-£200.00

Council Tax-£150.00

Buffer needed-£63.25

Total committed-£1,478.25

Real safe-to-spend: only £921.75

tPay365 Clean Paycheck

Safe-to-Spend

£1,071.75

This is what you can actually spend. Everything else is vaulted.

Vault breakdown

Rent Vault

£850.00

Bills Vault

£215.00

Loan Vault

£200.00

Council Tax

£150.00

Safety Buffer

£63.25

Total vaulted£1,478.25

Gross pay: £2,400.00 − Vaulted: £1,478.25 − Buffer: £63.25 = Safe-to-Spend: £858.50 + Buffer surplus applied

Technical Architecture

Technical Specification

Algorithm:
  clean_paycheck = gross_pay - statutory - vault_total - buffer
  buffer = sum(variable_obligations) × 0.05

Precision: decimal.js with ROUND_HALF_UP
Zero floor: clean_paycheck >= 0 (never negative)
Priority drop: Savings dropped first if income < total
Invariant: gross == locked + buffer + clean_paycheck

Execution time

<50ms

Per paycheck calculation

Precision

decimal.js

ROUND_HALF_UP, 2 d.p.

Parity

Byte-identical

TypeScript + Python outputs match

clean-paycheck-mobile-app.pngMobile app showing Clean Paycheck balance with vault breakdown

clean-paycheck-employer-dashboard.pngEmployer HR dashboard showing batch paycheck processing

API Endpoints

POST/api/v1/engine/paycheck/calculateCalculate clean paycheck

GET/api/v1/engine/paycheck/historyPayment history

POST/api/v1/engine/paycheck/simulateSimulate with different parameters

View full API reference →

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