How are my hourly rate and payday determined?

Earnin determines your hourly rate by looking at your average paycheck deposit history and your work schedule. Using that info, we can calculate your take-home rate with your taxes and deductions in mind.

We automatically determine your payday based on the pattern of payroll deposits in your bank account. If your hourly rate is looking extra low, it may be because you work part time or split your paycheck into a separate bank account. Check out this article for more info on that.

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