The Routing Engine
Survival first, always. Intelligent priority allocation when income can't cover everything.
The priority waterfall
When your salary arrives, the Routing Engine allocates it through a strict priority waterfall. Tier 1 (statutory deductions like tax and NI) is funded first. Then housing. Then utilities. Then debt. The engine works downward until the money runs out.
The result: essentials are always protected, even in a bad month. Non-essentials are gracefully deferred — never silently missed.
Statutory
Tax, NI, student loan
Housing
Rent, mortgage, council tax
Utilities
Energy, water, broadband
Debt
Minimum payments, credit cards
Subscriptions
Gym, streaming, memberships
Savings
Emergency fund, goals
Real example: If Sarah earns £1,800 instead of £2,400 this month, the engine automatically defers her gym membership and pauses savings contributions — but her rent, council tax, and minimum loan payments are protected.
Live allocation: £1,845 income
Income is lower than expected. Watch the waterfall protect essentials.
Clean Paycheck remaining
£0.00
All available income allocated to priorities
Technical Architecture
Technical Specification
Waterfall execution: <200ms from BACS receipt Priority levels: 6 (configurable per user) Conflict resolution: User overrides with guardrails - Cannot deprioritise Statutory below level 1 - Housing cannot drop below level 3 Partial funding: Pro-rata within same tier Deferral: Deferred obligations queued for next cycle Notification: Real-time alerts on deferrals
Execution time
<200ms
From BACS receipt to allocation
Priority levels
6 tiers
Configurable per user
Deferral
Auto-queue
Deferred items queued for next cycle