Linko brings employee and employer contributions, interest, vesting, withdrawals and balances into one connected system — fed directly from payroll, calculated by your scheme’s rules, and traceable down to every transaction.
Savings Plan| Principal | Interest | Total | |
|---|---|---|---|
| Employee contributions | 7,800.00 | 412.35 | 8,212.35 |
| Employer contributions | 9,600.00 | 608.20 | 10,208.20 |
| of which vested | 11,200.00 | 760.00 | 11,960.00 |
| of which unvested | — | — | 2,003.20 |
| Balance | 17,400.00 | 1,020.55 | 18,420.55 |
| Pay 17 | Employee contribution | +300.00 | Payroll |
| Pay 17 | Employer contribution | +400.00 | Payroll |
| Pay 17 | Interest applied | +61.40 | Calculated |
| Pay 15 | Housing withdrawal | −2,500.00 | Approved |
Illustrative screen with fictional data.
Running a scheme means payroll data every fortnight, several balance categories per member, interest calculations, eligibility and vesting rules, and a steady stream of joiners, leavers, transfers and withdrawals. Each of those is manageable on its own; together, in spreadsheets maintained by one or two people, they become fragile and hard to audit.
Linko brings the whole cycle into one system: payroll movements are imported rather than re-keyed, rules are applied the same way every period, and every balance can be traced back to the transactions that produced it.
Employee records and payroll transactions are imported through the Access Attaché API. Payroll transaction codes are mapped to employee contributions, employer contributions, interest, withdrawals and other savings movements — so each pay run lands as classified scheme transactions, not raw lines.
Employee and employer contributions are tracked separately, each with a clear breakdown of principal, accumulated interest and total. Opening balances are maintained for members joining with history, and every balance is backed by its transaction trail.
Savings are processed across 26 fortnightly periods a year. Each period applies the relevant interest rates and the scheme’s calculation rules, carries balances forward and records its processing status — so you always know which periods are open, processed or locked.
Employer balances move through the scheme’s three-year vesting structure. Vested and unvested amounts are always distinguished, and members and administrators can see exactly how much is available under the plan’s rules at any point in time.
Eligible withdrawal balances are calculated from the rules — not estimated. Withdrawals, housing-related movements and termination payouts are processed as transactions that show precisely how each one affects the member’s principal, interest and vested amounts.
When a member moves within the group, employee and employer principal, interest and vesting balances transfer between employee records across companies, with matching transfer-out and transfer-in transactions so both sides reconcile.
Company and employee summaries, period balances, contribution and interest breakdowns, withdrawal eligibility, vested and unvested balances, and detailed transaction histories — all searchable, filterable and exportable, with drill-down to the source transaction.
The same five steps every period — with status at each one, and nothing re-keyed.
Connected contribution data. What ran in payroll is what the scheme records — no second entry, with exceptions surfaced instead of discovered.
Clearer membership and exit administration. Joiners, transfers and leavers follow the same rules every time, with eligibility and vesting visible before a conversation happens.
Consolidated balances and traceable movements. Company totals by period, vested liabilities, and a transaction trail that satisfies audit questions in minutes.
Book a demonstration and talk through your payroll integration and scheme rules.