Found vs Relay Comparison 2026
Both cover accounting & tax and creator finance. Here is what separates them on price, billing, what you can take with you, and coverage.
Banking, bookkeeping and tax in one account
Business banking with twenty checking accounts
At a glance
- Relay starts cheaper, at $30.
- Both have a genuinely free tier.
Side by side
Found | Relay | |
|---|---|---|
| Starting price (they differ) | From $35 | From $30 |
| Pricing model | Free plan, paid tiers | Free plan, paid tiers |
| Free tier | Yes | Yes |
| Billing | Monthly or annual | Monthly or annual |
| Free trial (they differ) | 30 days | 14 days |
| API | Not stated | Not stated |
| Data export | Not stated | Not stated |
| Their cut | Not stated | Not stated |
| Runs on | Not stated | Web |
Shaded rows are where the two answers disagree and both listings have answered. A row where one side has not stated a fact is left plain, because silence is not a difference.
Found
Banking, bookkeeping and tax in one account
Found is a business account for self-employed people with the bookkeeping and the tax set-aside built into it, so expenses categorise themselves as they land and the quarterly estimate is on screen rather than in April. It invoices, pays contractors and files 1099s. The free plan has no monthly fee and no minimum balance, which is the reason to look at it before a bank.
Our note
Wave is free and does the books without touching the banking, so Found only makes sense if you want the account itself to do the categorising. Anybody happy with their existing bank should stay with Wave and keep the $35.
Relay
Business banking with twenty checking accounts
Relay's difference is that it hands you twenty checking accounts rather than one, which is what makes envelope budgeting work on a business rather than on a spreadsheet beside it. Income splits on arrival: tax here, contractors there, what is left is yours. It also issues a stack of cards and connects to the usual bookkeeping tools. The free plan is a real account rather than a trial.
Our note
The free tier is the one most creators should be on, because the paid features are approval workflows for teams and a better savings rate that only matters on a balance large enough to notice. If the interest rate is what tempts you, work out the difference on your actual balance before paying $360 a year for it.
Ratings are the average of reviews readers left. The facts are stated by each tool’s own listing and are not verified by CloutStack. How we make money.