Paycheck Hub

Bills spoke

Every bill gets turned into a per-check amount. Bills that hit rarely, like insurance, get held back a little each check so the money is there when the bill lands.

Where this check goes

Rules that fired

The algorithm

# Rule 0: turn every bill into a per-check amount (26 checks a year)
PER_CHECK = {"day": 14, "week": 2, "month": 12 / 26,
             "six_months": 2 / 26, "year": 1 / 26}

def bills_per_check(bill_list):
    return sum(amount * PER_CHECK[how_often]
               for name, amount, how_often in bill_list)

# rare bills (insurance) stay in the hub until due

def split(pay, travel, bills, base, floor_target, floor_now):
    income = pay - travel          # travel money repays what you already spent
    out = {"travel": travel}

    # Rule 1: bills come first, always
    if income <= bills:
        out["bills"] = income
        out["draw_from_floor"] = bills - income
        return out                 # every spoke pauses this check
    out["bills"] = bills
    left = income - bills

    # Rule 2: the normal part of the check uses fixed shares
    core = min(left, base - bills)
    extra = left - core
    room = max(0, floor_target - floor_now)

    floor_cut = core * 0.375
    to_floor = min(floor_cut, room)
    spill = floor_cut - to_floor   # floor full? its share moves on
    out["floor"]   = to_floor
    out["growth"]  = core * 0.3125 + spill * 0.5
    out["earner"]  = core * 0.1875 + spill * 0.5
    out["protect"] = core * 0.0625
    out["pocket"]  = core * 0.0625

    # Rule 3: overtime above a normal check
    if extra > 0:
        out["pocket"] += extra * 0.10
        rest = extra * 0.90
        room -= to_floor
        fill = min(rest, room)     # finish the floor first
        out["floor"]  += fill
        rest -= fill
        out["growth"] += rest * 5 / 9
        out["earner"] += rest * 4 / 9
    return out