Regular Earnings
Identify ordinary wages, base salary and other regular employment earnings.
Income intelligence · Capability preview
AI-Powered Payslip Analysis
Go beyond gross and net pay. Sentriq helps finance professionals understand how an applicant's income is structured, distinguishing regular earnings, variable income, allowances and other payments to support more informed lending assessments.
A preview of Sentriq's intended payslip analysis capability.
Example employer
Employee A · Fortnight 1
Earnings & deductionsAmount
- Ordinary pay$2,400.00
- Overtime$420.00
- Travel reimbursement$80.00
- PAYE−$560.00
- KiwiSaver−$84.60
Net payment$2,255.40
Income components
Ordinary pay
Regular earnings
Overtime
Variable earnings
Travel reimbursement
Expense reimbursement
PAYE
Deduction
KiwiSaver
Deduction
Structured evidence for professional review — not a lender-approved income figure.
Understand every component of income
More Than Just Gross and Net Pay
A payslip can contain multiple types of earnings, deductions and adjustments. Sentriq's intended analysis is designed to identify and organise these components so finance professionals can better understand an applicant's income.
Variable Earnings
Recognise overtime, commissions, bonuses, shift payments and other variable earnings.
Allowances
Distinguish recurring remuneration, variable allowances and expense-related reimbursements.
Leave and Holiday Payments
Recognise payments that replace ordinary earnings, helping prevent incorrect interpretation or double-counting.
Deductions
Identify PAYE, KiwiSaver, student loan repayments and other payroll deductions.
One-Off Payments
Identify back pay, lump-sum bonuses, arrears and other irregular payments that may not represent ongoing income.
How Sentriq interprets income
Understand the Income Behind the Numbers
01
Observed Income
The actual earnings and payments recorded on the payslip.
02
Calculated Income
Income figures derived from available evidence, including payment frequency and historical averages.
03
Assessed Income
The income figure ultimately used by the finance professional after applying relevant lending policy and judgement.
Sentriq is designed to support professional assessment, not independently determine lender-approved income.
Variable income analysis
Make Sense of Variable Earnings
Overtime, commissions and bonuses can fluctuate between pay periods. Understanding their frequency and consistency is important when assessing an applicant's income.
Sentriq's intended analysis can compare variable earnings across multiple supporting payslips, keeping observed averages separate from assessed income.
| Pay Period | Ordinary Pay | Overtime |
|---|---|---|
| Fortnight 1 | $2,400 | $420 |
| Fortnight 2 | $2,400 | $610 |
| Fortnight 3 | $2,400 | $0 |
- Regular earnings
- $2,400 per fortnight
- Average observed overtime
- $343.33 per fortnight
- Overtime classification
- Variable
- Evidence reviewed
- 3 payslips
These figures are illustrative and do not represent lender-approved income.
Intelligent treatment of holiday pay
Recognise Replacement Earnings
Some payments shown separately on a payslip are not additional earnings. Public holiday pay for a day an employee would otherwise have worked may replace part of their ordinary wages.
- Ordinary Pay
- $3,000
Total Gross$3,000
- Ordinary Pay
- $2,700
- Public Holiday Pay
- $300
Total Gross$3,000
Different payslip components. Same underlying earnings.
Sentriq's analysis is designed to recognise these distinctions and reduce the risk of double-counting income.
Designed for finance professionals
AI-Powered Analysis. Professional Judgement.
Different lenders may apply different policies when determining acceptable income. Sentriq's approach is to provide a clear, structured breakdown of earnings rather than impose a universal lending policy.
For automotive dealerships, finance brokers and finance professionals — with the final assessment remaining with the professional or lender.
- Clear identification of income components.
- Separation of recurring and variable earnings.
- Visibility of unusual or irregular payments.
- Historical comparisons where supporting payslips are available.
- Transparent calculations and supporting evidence.
- Support for professional review and judgement.
A Clearer Picture of Every Applicant's Income
Spend less time interpreting complex payslips and more time making informed finance decisions.