Relay vs Toggl Track Comparison 2026
Both cover creator finance. Here is what separates them on price, billing, what you can take with you, and coverage.
Business banking with twenty checking accounts
Time tracking that stays free for a small team
At a glance
- Toggl Track starts cheaper, at $9.
- Both have a genuinely free tier.
Side by side
Relay | Toggl Track | |
|---|---|---|
| Starting price (they differ) | From $30 | From $9 |
| Pricing model | Free plan, paid tiers | Free plan, paid tiers |
| Free tier | Yes | Yes |
| Billing | Monthly or annual | Not stated |
| Free trial (they differ) | 14 days | 30 days |
| API | Not stated | Yes |
| Data export | Not stated | Not stated |
| Their cut | Not stated | None |
| Runs on |
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.
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.
Only on this side
- Covers accounting & tax
Toggl Track
Time tracking that stays free for a small team
Toggl Track records where the hours went, across a browser extension, a desktop application and a phone, and it does the awkward part well: reminding somebody who forgot to start the timer and letting them fill the gap afterwards. The free plan covers a limited number of users with no time limit on it. Billable rates, project profitability and required fields are what the paid tiers add. It reports on time rather than turning it into an invoice, so billing still happens somewhere else.
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.