A 52-Week System for 1099 Earners

Turn Your Weekly Target Into Daily Moves

Log what you earn each day. Close the gap to your weekly finish line. Clear the Relay. See what 52 Relays can build.

Start My Payday Relay → $54

One payment. No subscription. Start any time of year.

Flexible Work Still Needs a Finish Line

You didn't leave a 9-to-5 so every day could become a workday.

But when the work stays available, it's easy to keep going long after the week has earned what it needs.

That's the trade-off nobody warned you about.

You never know when you've worked enough. Is today a day you can close your laptop? Or should you squeeze in one more gig?

Tax season shows up every quarter and somehow it's still a surprise.

You've been meaning to fund your time off since January. It's not January anymore.

There's no finish line telling you when you've hit your target — so you never know if you can afford to step away.

No clock. No manager. No weekly paycheck confirming the work is done. Just you, your income, and a lot of guessing.

You've tried to fix it:

→ Downloaded YNAB. It assumed you get paid on the 1st and the 15th. You don't.

→ Tried a budgeting app. It wanted to categorize your Starbucks. You wanted to know your quarterly tax liability.

→ Built a Notion tracker. Used it twice.

→ Saved "about 30%" for taxes. Hoped that was enough. (It wasn't quite.)

→ Told yourself you'd sort it all out next month.

You're not disorganized. You never had a system built for how independent work actually runs.

That's why I built Payday Relay.

I needed something that worked:

Without becoming a financial expert or learning tax law

Without rebuilding a spreadsheet from scratch every January

Without a system that assumes I earn the same amount every week

Without something so complicated I abandon it by February

Here's What That Looks Like

Instead of ending your workday wondering if you did enough... you open your Relay, log today's earnings, and see your daily progress in real time.

When you reach your weekly target, it turns black. You cleared the Relay.

You know exactly what to move for taxes, what's sitting in your time-off fund, and what's yours to keep. No math. No guessing. A weekly finish line you can see and reach.

↑Close the distance to your weekly finish line — red → black → green↑

Set it up once. Run all 52 Relays from there.

Know when you've reached your weekly target — and stop for the day.

Taxes, PTO, and savings calculated automatically every payday.

A weekly finish line that makes your finances something you want to open.

This isn't about becoming a numbers person or fixing your relationship with money.

It's about having a system that handles the money math for you — so you can spend your energy on the actual work, not the admin around it.

I Didn't Leave 9-to-5 Behind Just for Every Day to Be a Workday

But as a remote 1099 worker with ADHD, the work was always there. Without structure, I never knew when I'd done enough.

I've run my own 1099 income through Payday Relay since I built it in 2024. The system has been reviewed by enrolled tax agents and finance professionals.

The Income Map calculator you might have seen? That came after, as a companion tool to help people set up their Relay Legend faster.

I built it because I was a neurodivergent remote worker and digital nomad who couldn't find a single money tool that worked for how I actually live.

→ No fixed schedule.
→ No regular paycheck.
→ No nine-to-five structure keeping me on track.

Here's what happened within a year of using Payday Relay:

I financed my move out of the United States and relocated to Mexico

I covered all of my quarterly taxes — no surprises, no scrambling

I took my first work-free vacation as a self-employed gig worker for the first time in my life

And here's what I found once it was running: the system holds whether your income is $600 this week or $1,800. Whether you worked two days or five. Whether it's your best quarter of the year or your slowest.

Because Payday Relay isn't built around a fixed income. It's built around a weekly target that meets you wherever you are. Lean weeks and strong ones. The Relay structure holds either way.

"Thank you for an amazing, simple resource to help self-employed people calculate the estimated payments required each quarter. This is a big challenge to do without a framework. I also love the way this tool helps set stretch goals and track progress towards them. What we measure is a key to getting the results we want."

Derek Tennant

Enrolled Agent, esoterax.com

The Only Competition That Matters Is You

Payday Relay doesn't compare your income with someone else's highlight reel.

It shows you your own pace, your own gains, your own shortfalls, and your own personal bests.

Can you reach the finish line sooner? Recover from a slow start? Build a bigger cushion? Beat your last Relay?

You don't need every week to look the same. You need a way to see yourself move.

Earnings tracked Relay by Relay, not averaged out monthly

1099 self-employment tax calculated automatically

Time off funded in advance — know before you book it

Start any week of the year — builds around YOUR schedule

Your income type isn't the obstacle. It's exactly what Payday Relay was designed for.

Here's What You Get

The moment you get access:

🎛️

The Relay Legend

Value: $27

Set your weekly target, tax rate, weeks off, payout rhythm, and starting point for the year. Lock it in once and the system builds itself around it.

📅

12 Monthly Relay Sheets + Scoreboard

Value: $47

Enter what you earn each day and close the distance to your weekly finish line. The Scoreboard shows taxes, PTO, debt, savings, and take-home pay across 52 Relays.

📖

The Quickstart Guide

Value: $27

Set up the system and run your first Relay without guessing where to begin. Screenshots at every step.

🎁

BONUS: Lifetime Relay Calculator Access

Value: $19.95

Return to the Income Map when your schedule, expenses, goals, or version of enough changes. Run it as many times as you need.

🎁

BONUS: Independent Worker Resource Stack

Value: Priceless

Tools I actually use to make Payday Relay run smoothly.

Structure Without Rebuilding the 9-to-5

One weekly target. Daily moves. A finish line you can see. That's the whole system.

One Payment. All 52 Relays.

$54

No subscription. Use the system year after year.

Start My Payday Relay → $54

Google Sheets format · Instant access · Yours forever

Frequently Asked Questions

You Don't Need to Fix the Whole Year Today

Enter what you earn today.

See how far you've come.

See what remains before you clear the week.

Reach the finish line.

Come back for the next Relay.

That's how the plan gains traction. That's how your daily work starts to build the year you mapped out.

Option 1

Keep going without a system. Keep ending your workday wondering if you did enough, getting surprised at tax time, and telling yourself you'll sort the savings thing out next month. Same cycle.

Option 2

Get Payday Relay for $54, get set up this week, and run your first Relay. Know your target. Close the gap. Clear the week. Do it again — for 52 Relays.

One keeps you guessing. The other gives you a finish line.

Run My First Relay →