Relay vs Substack
A detailed comparison of Relay and Substack in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Relay
Business banking with collaborative tools and automatic categorization
Relay is a financial and accounting service that provides business banking with collaborative tools and automatic categorization. Founded in 2018 and headquartered in Toronto, Canada, Relay offers 2 pricing plans. It offers a free tier as well as paid plans starting from $30/month. Key features include Business checking, Profit first, Automatic routing, Team access. Relay is a popular choice for users looking for quality finance subscriptions.
Substack
Platform for independent newsletter writers
Substack is a news and media service that provides platform for independent newsletter writers. Founded in 2017 and headquartered in San Francisco, California, Substack offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Newsletter platform, Podcasts, Chat, Notes. Substack is a popular choice for users looking for quality news subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Relay | Substack |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 2 | 2 |
| Year Founded | 2018 | 2017 |
| Headquarters | Toronto, Canada | San Francisco, California |
| Business checking | ||
| Profit first | ||
| Automatic routing | ||
| Team access | ||
| Accounting sync | ||
| Newsletter platform | ||
| Podcasts | ||
| Chat | ||
| Notes | ||
| Community | ||
| Monetization |
Pricing Comparison
Compare all available plans and pricing tiers
Relay Pricing
Substack Pricing
Frequently Asked Questions
Is Relay or Substack better in 2026?
Both Relay and Substack are excellent finance services. Relay offers Business checking and Profit first, while Substack features Newsletter platform and Podcasts. The best choice depends on your specific needs and budget.
How much does Relay cost compared to Substack?
Relay starts at $30/month, while Substack starts at $Free/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Relay and Substack subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Relay and Substack. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Relay, Substack, or both — track all your subscriptions in one place with smart alerts and analytics.