Get gross monthly income broken down by base, commission, bonus and overtime as well as gross annual income for one or more persons' by using their paystubs.

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This endpoint is in beta!

This endpoint is currently in beta, and is therefore subject to change. We would greatly appreciate it if you reported any feedback (including bugs) to customer service.

General calculations:

  • We differentiate between multiple borrowers within a single book when calculating income
  • If any paystubs have overlapping time periods, we aggregate incomes of the same type (eg. base, overtime, bonus, commission pay)

The paystub income response

Attribute name

Attribute data type

Attribute description

book_uuid

UUID

A universally unique identifier assigned to the Book when it was created.

person.name

string

The person who's income is estimated in this object.

person.matched_names

array of strings

The names found on paystubs that we associated to this person.

calculated_at

timestamp

Time at which the calculations were run.

currency

currency

Three-letter ISO currency code in which we estimated the person's income.

estimated_gross_income.monthly_base

string

The person's average base pay for a month. Calculations details below.

For each paystub a borrower submitted:

  1. Calculate the sum of regular + any unidentified pay (including PTO, vacation…)
  2. Extrapolate what that sum corresponds to for a month by using the paystub’s start and end dates.
    eg. paystub time period = 13 days & sum = $1000, then the gross monthly base = $1000 * (52 / 12 * 7) / 13 = $2333.33

Final gross monthly base = the average of all paystub’s monthly base pay

estimated_gross_income.monthly_overtime

string

The person's average overtime pay for a month. Calculations details below.

For each paystub a borrower submitted:

  1. Extrapolate what the overtime pay corresponds to for a month by using the paystub’s start and end dates.
    eg. paystub time period = 13 days & overtime = $1000, then the gross monthly overtime = $1000 * (52 / 12 * 7) / 13 = $2333.33

Final gross monthly overtime = the average of all paystub’s monthly overtime pay

estimated_gross_income.monthly_bonus

string

The person's average bonus pay for a month. Calculations details below.

Calculate the sum of all bonus pay found in paystubs in a single tax year.

Final gross monthly bonus = that sum divided by 12

estimated_gross_income.monthly_commission

string

The person's average commission pay for a month. Calculations details below.

For each paystub a borrower submitted:

  1. Extrapolate what the commission pay corresponds to for a month by using the paystub’s start and end dates.
    eg. paystub time period = 13 days & commission = $1000, then the gross monthly commission = $1000 * (52 / 12 * 7) / 13 = $2333.33

Final gross monthly commission = the average of all paystub’s monthly commission pay

estimated_gross_income.annual_income

string

The person's estimated annual income. Calculations details below.

Final gross annual income = (monthly base + bonus + overtime + commission) * 12

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