Harvest 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.
Time tracking that turns into an invoice
Business banking with twenty checking accounts
At a glance
- Harvest starts cheaper, at $9.
- Both have a genuinely free tier.
Side by side
Harvest | Relay | |
|---|---|---|
| Starting price (they differ) | From $9 | 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 | Yes | Not stated |
| Data export | Not stated | Not stated |
| Their cut | Not stated | Not stated |
| Runs on (they differ) |
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.
Harvest
Time tracking that turns into an invoice
Harvest counts hours against a project and then bills them, which removes the worst half hour of any freelance month: reading a timesheet back and typing it into an invoice. Expenses and receipts attach to the same project. The free plan covers one person and two projects, and for a solo creator that is often where it stops.
Our note
Harvest is the pick when the hours are the invoice. If work is billed as a fixed project fee, Moxie or Bonsai cover more of the job for similar money and the time tracking is the smaller part of what you need.
Only on this side
- Covers project management
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.
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.