What's inside Payday Relay
More than a money tracker. A weekly finish line.
Payday Relay helps 1099 earners turn unstructured income into a weekly rhythm: what to aim for, what to set aside, when to stop, and how to keep moving through the year without turning every day into a workday.
What you're looking at
Your Relay Target results — what the Relay Calculator inside Payday Relay emails you as your own PDF. Yours to keep, for good.
Find Your Relay Target
Start with the Relay Calculator and build your Income Map: your weekly relay target, daily focus number, savings goal, debt payoff goal, PTO plan, and tax set-aside percentage. Instead of carrying a giant annual goal in your head, you get one relay at a time.
Run The Week In Red, Black, And Green
Each relay starts in red: the distance between where you are and what the week needs from you. As you log income, the gap shrinks. When you clear your target, you hit black. When you pass it, you move into green. The color shift gives your work a finish line you can actually feel.
Build Your Tax Set-Aside Rhythm
Payday Relay does not calculate your taxes or replace a tax professional. It helps you build the habit of moving money toward taxes as you earn, based on the percentage you choose. Each relay gives you a clearer handoff: tax set-aside first, then goals, then take-home pay.
Create A PTO Bank
Most independent workers do not get paid time off unless they create it. Payday Relay helps you treat rest as part of the plan. Your PTO Bank gives you a way to set money aside for sick days, slow weeks, and actual time off without pretending rest is free.
Close The Relay
At the end of each week, Payday Relay helps you compare the plan to reality. What did the system suggest you set aside? What did you actually move? Taxes, PTO, debt, savings, and take-home pay all get their own lane, so your money has somewhere to go before it disappears.
Grow Your Bonus Bank
The Bonus Bank rewards consistency, not random hustle spikes. It only grows when you finish a month net positive, after the month has done its job. That means the goal is not to overwork for one heroic week. The goal is to keep clearing your relays often enough that your surplus starts to build.
Hit Quarterly Pit Stops
Life changes when you work for yourself. Payday Relay gives you quarterly pit stops where you can review your rhythm, adjust workdays, revisit your target, and keep going with structure instead of starting from scratch every time life shifts.
Keep The Streak Alive
Payday Relay uses momentum on purpose. Clearing a relay feels good. Watching red shrink to black, then black turn green, feels good. Seeing your streak build feels good. The system gives your brain a reward loop around consistency, not burnout.
See The Full Season
Behind the app sits your Payday Relay Google Sheet — generated for you when you sign up, in your own Drive. You never type in it; the app syncs it for you. It holds the full picture: 52 relays cleared, monthly surplus, PTO bank, Bonus Bank, quarterly targets, and your season scoreboard. Live in the app day to day while the sheet holds the year.
Let Caddy Coach The Rhythm
Caddy is the coach inside Payday Relay: a reflection prompt, a nudge, and a steady voice when the week starts feeling slippery. Caddy helps you stay close to the number you already chose.
The app runs your week. Your sheet holds your year.
Log from your phone in seconds. Your Payday Relay Google Sheet is generated for you when you sign up and fills itself in as you log — every relay, set-aside, and month summary in one place. Nothing to type in twice.
Run four relays and feel the difference
Start with the free 4-Relay Sprint. If a weekly finish line changes how you work, keep the streak going with a Season Pass.
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