Feast or Famine?
Not Anymore.
Big invoice this month, nothing next month? PayDay automatically sets aside tax, builds your runway, and keeps your spending steady - no matter when clients pay.
Register for LaunchThe Contractor's Money Problem
Freedom and flexibility come with financial chaos. Sound familiar?
Tax Time Terror
That $15k invoice felt great until you realized you spent it all and owe IRD $5k you don't have.
Income Rollercoaster
$12k one month, $2k the next. Your lifestyle can't flex that fast, but your bank balance has to.
Late Payments
Clients pay when they feel like it. Your rent is due on the 1st every month, no exceptions.
Automatic Tax, Savings & Runway Building
Every time an invoice payment lands, PayDay instantly sets aside your tax percentage, builds your quiet-month buffer, and allocates the rest. You'll never scramble for tax again.
Automatic Tax Set-Aside
Set your tax rate (30%, 33%, whatever) and it's gone before you can spend it.
3-Month Runway Buffer
Automatically build a buffer so quiet months don't mean panic mode.
Multiple Income Detection
PayDay handles payments from all your clients, no matter when they arrive.
Example: $8,500 Client Invoice
Tax (IRD)
30%
Runway Buffer
15%
Fixed Expenses
25%
Long-Term Savings
10%
Spending Money
20%
"I'm a freelance developer and my income is all over the place. Last year I got hit with a $12k tax bill I couldn't pay. Since using PayDay, I've got 6 months of tax sitting there ready, a 3-month buffer, and I actually take holidays now. Game changer for anyone self-employed."
Marcus L.
Freelance Developer, Christchurch
Take Control of Your Contractor Income
Join freelancers and contractors across NZ who've automated their finances with PayDay. Never scramble for tax or stress about quiet months again.
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