How is my available balance calculated?

Your available balance is up to 50% of your "gross pay" for the hours that you have worked, and not yet been paid for.

Why isn't it 100%?

We want to make sure you have a safe payday. We hold back a portion of your earnings to cover:

  • Taxes: Federal, State, and Social Security.
  • Benefits: Your health insurance or 401k.
  • Garnishments: If you have a court-ordered deduction (like child support or tax levies), your available percentage may be automatically reduced to ensure these obligations are met.
  • Safety: To ensure you have enough left to repay any transfers you made during the week.

What increases my balance?

  • 🕙 Hourly Workers: If you are hourly, your balance updates as your manager approves your shifts.
  • 📆 Salaried Workers: If you are salaried, your balance grows daily as a proportion of your annual base salary.

Why might my balance decrease?

  • Pay day: Once your employer pays you for a pay period, those wages are removed from the app's available balance.
  • Balance Reset: Since those wages have now been paid to you in full, your balance updates to only show your newly earned, unpaid wages.

    • See the math for yourself

    Want to see the exact breakdown? Tap Track on the navigation bar. This will show you exactly how we reached your current number.

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    Stream is a financial technology company, not a bank. Banking services provided by Piermont Bank; Member FDIC. Your funds are FDIC insured up to $250,000 through Piermont Bank; Member FDIC.