When you work, your earnings increase to indicate the amount we believe you have earned to date, but not yet been paid for. If we have calculated your hourly rate correctly, your paycheck will be equal to about 50-100% of your earnings. If your pay cycle ends near your payday, it will be close to 100%, and if your pay cycle ends a long time before payday, it will be closer to 50%. Just before payday, your employer sends your bank a direct deposit based on how much you earned. At that time, your earnings in Earnin decrease by the amount we expect you to be paid.