Feast or famine?
Not anymore.
Big invoice this month, nothing next month? Set up your regular payers as income sources and PayDay sets aside tax, builds your runway, and keeps your spending steady every time they pay you.
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
Add each regular client as an income source in PayDay. When a payment from one of them lands, your splits fire: tax percentage set aside, quiet-month buffer topped up, the rest allocated. 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 sources
Add each regular client as its own income source, with its own split rules if you want them.
Example: $8,500 client invoice
Tax (IRD)
30%
Runway Buffer
15%
Fixed Expenses
25%
Long-Term Savings
10%
Spending Money
20%
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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