Why is my hourly rate in the app lower than my actual take-home hourly rate?

The hourly rate Earnin calculates for you may be lower than expected. We calculate your take-home rate after all of your taxes and deductions.

If your hourly rate seems extra low, it may be because:

  1. You work part-time
  2. You split your paycheck between two bank accounts

If you work part-time, we can update your hourly rate for you. Please send a recent pay stub to us that shows the number of hours you typically work each pay period.

If you split your paycheck between two bank accounts, we can only increase your hourly rate if your pay is combined into one account. In order to use the app, the hourly rate we calculate from your deposits (take-home) must be at least $4.

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