The ability to model pre-tax/post-tax paycheck deductions are scattered across PL at the moment....the 401k/Roth/HSA items within Cash Flow Priority can be set as a payroll deductions (but a custom one can’t), and expense items can also be set as a payroll deduction....but neither seem to handle some payroll concepts effectively (like ESPP), and without a Paycheck Module (wizard?) most people won’t have their take-home-pay modeled correctly, and take home pay will be over reported.

PL has a SALARY item within Income to capture my salary, but does not have a good means of telling the user that pre-tax paycheck deductions (like health benefits) and post-tax paycheck deductions (like supplemental life insurance) need to get put into PL for an accurate take-home-pay-view.

Suggestion is a PAYCHECK concept…could be a more robust SALARY item in the INCOME category, or have PAYCHECK as it’s own category as a peer to Accounts, Income, Expenses, etc. But this concept would help the user inform PL a view of ones paycheck, including all the pre-tax deductions (medical/dental/vision/HSA/401k/etc.), all the post-tax deductions (life insurance, legal benefit, Roth 401k, ESPP, etc.). This would help the user (and PL) understand the variables for HSA, 401k, Roth 401k, ESPP, etc. for investments, and help get to the correct take-home-pay with the other pre/post tax deductions.

This could help the Cash Flow sankey flow diagram show these paycheck ductions flowing directly into the various accounts (checking, HSA, ESPP, 401k/Roth 401k, etc.).

At the moment, need to use Cash Flow Priority category for HSA, 401k, and Roth 401k deductions, and from a user’s perspective none of these are optional, but always happen from my paycheck (so having as a priority of my flowing cash is a mentally weird way to configure). Plus, (for the user) the mental mind-map is that cash-flow priority items is what happens to my take-home-pay, not how to model some of the deductions happening to my paycheck to get to my take-home-pay value.

To help the user inform PL the right take-home-pay, and to help the user mentally understand that the paycheck math (earnings -> pre-tax deductions -> fed/state tax -> post-tax deductions -> take-home-pay) has been properly modeled.