PayStream Umbrella vs Silio

The PayStream app has been designed to help contractors take control of their employment by putting everything they need at their fingertips. From updating personal details to receiving real-time payment information, you name it, our app has got it. Payslips Get real time updates regarding your upcoming pay. You can also download payslips and view a complete breakdown of how your pay has been calculated while on the go. Personal Details & notifications There’s no need to call in or drop us an email, you can update your personal details as and when required all within the app. And personalise your notifications so you only receive a notification for things that are real interest to you. Online chat Our team are on hand to provide any help or advice that you need via our in app messenger service. Recommend a colleague Check the status of any colleagues you’ve referred and refer anyone else that you’d also like to benefit from our service, whilst earning yourself a £50 bonus. Timesheet submission As and when required, submit your hours worked on our timesheet portal 24/7 to avoid any delays with processing your pay. Holiday pay Find out how many holidays you’ve accrued and make a holiday pay claim quickly and easily View important documents Your employment contract, P60s, assignments, plus much more are all available to view 24/7

Silio is the calm, intentional money companion that helps you budget smarter, chase meaningful goals, and build the life you actually want; all in one beautifully simple app. ZERO-BASED BUDGETING THAT WORKS Give every pound, dollar, or naira a purpose. Silio's zero-based budgeting system ensures nothing slips through the cracks. Set monthly income, create spending categories, log expenses on the go, and watch your remaining balance update in real time with a stunning 3D pie chart overview. • Support for GBP, USD, NGN, and CAD • Track daily expenses by category • Visual budget ring showing spent vs. remaining • Monthly budget history and trends GOALS FOR EVERY PART OF LIFE Silio goals aren't limited to saving targets. Set goals for your career, health, relationships, learning — anything that matters to you. Break each goal into actionable tasks, track progress, and celebrate milestones along the way. • Create unlimited life goals with deadlines • Break goals into bite-sized tasks • Visual progress tracking with milestone celebrations • AI-powered progress insights VISION BOARD — SEE THE LIFE YOU'RE BUILDING Create beautiful, shareable vision boards to keep your aspirations front and centre. Add images, collaborate with friends and family, and revisit your vision daily to stay inspired and focused. • Create multiple themed boards • Invite collaborators to shared boards • Real-time activity notifications • Visual inspiration that fuels daily motivation AI INSIGHTS & GENTLE NUDGES Silio's smart coaching engine analyses your spending patterns, goal progress, and habits — then delivers personalised, encouraging nudges that keep you on track without ever shaming you. • Behavioural spending analysis • Weekly motivation messages • Monthly challenge prompts • Budget warning alerts when you're nearing limits COMPREHENSIVE MONTHLY REPORT Receive a beautifully designed monthly report delivered straight to your inbox on the last day of every month. It includes your full financial summary, goal progress, task completion rates, vision board activity, and an AI-generated note highlighting your wins and where to focus next. NET WORTH TRACKING See the bigger picture. Track assets and liabilities over time to understand your true financial position and watch your wealth grow month by month. BUILT FOR YOUR PRIVACY Your data stays yours — encrypted, private, and never sold. Silio is designed with security-first principles, including row-level security and encrypted authentication.