Now accepting early access signups
Know What You Can
Actually Spend
tPay365 intercepts obligations at payroll source — rent, bills, and savings are locked before you see your balance. What's left is your Clean Paycheck: the real number that's safe to spend.
UK-based·FCA regulatory pathway·Griffin banking infrastructure·AES-256 encrypted·Company No. 16989787
How It Works
Three steps to financial clarity
01
Salary Arrives
Your employer sends payroll data via BACS. tPay365 receives your net pay after tax and NI, and begins routing.
£0.00
02
Obligations Lock
Rent, bills, loan repayments, and savings are ring-fenced into vaults — untouchable until due.
Rent
Bills
Savings
03
Clean Paycheck
What’s left is yours to spend freely. No guessing, no overdrafts, no bill anxiety.
£1,247.63Safe to spend
Obligation Router
True Take-Home Calculator
What do you actually take home?
Every salary calculator stops at tax. Ours keeps going — through rent, bills, commute, and every commitment — until you see the number that actually matters.
Ready to See Your Clean Paycheck?
We're onboarding a small cohort of UK employers for early access. If your organisation wants to offer obligation-first payroll as a benefit, join the waitlist.