Your accounts are held at Dream First Bank, Member FDIC, and every connection is secured with bank-grade encryption. Profit First moves money between your own accounts. It never spends or invests on your behalf.
Every deposit, split before you can spend it.
Profit First is one habit: take your profit off the top, then run the business on what is left. The app does the splitting for you, on a set schedule, so there is no math and nothing to remember.
- TRY THE Allocation CALCULATOR
Know it’s covered before you spend a dime
Drag your revenue and watch it split into profit, owners pay, taxes, and expenses – See exactly what’s yours, what’s safe to spend, and what’s protected
Monthly estimated revenue, drag it
$
116,000
Profit
5%
≈
$
5,800
Owner’s Comp
50%
≈
$
58,000
Tax
15%
≈
$
17,400
Operating Expenses
30%
≈
$
34,800
Auto, whatever's left
Profit
in a year
≈
$
69,600
Real money set aside before a single bill is paid. One profit check usually covers years of any plan.
First Quarterly Check
≈
$
17,400
Your pay, per year
≈
$
1,099,680
Taxes kept aside
≈
$
208,800
- Step by step
Set it up once. It runs from there.
ProfitFirst.bank splits automatically and with your own bank, you move what the app calculates.
Create Accounts with Dream First
What you Do
Open your free DreamFirst.bank account online. It takes about 10 minutes.
The app does
The app automatically connects to your new accounts and is ready to use.
Set your percentages
What you Do
Start with our recommended plan and customize it based on your current business needs.
The app does
Builds a recipe sized to your revenue and starts you at a percentage you will not feel.
Watch it sort
What you Do
No need to do anything other than watch your Profit account grow!
The app does
On you scheduled allocation days, the app will make the transfers for you.
Take your profit
What you Do
Once a quarter, take your profit distribution. Actual money, in your pocket.
The app does
Tracks the balance, prepares the number, and keeps your tax money set aside.
ProfitFirst.bank splits automatically and with your own bank, you move what the app calculates.
Connect your bank
What you Do
Connect the bank you already use through Plaid, and open any of the five accounts you are missing.
The app does
Maps your five accounts and reads balances. It connects read-only and never moves money on its own.
Set your percentages
What you Do
Start with our recommended plan and customize it based on your current business needs.
The app does
Builds a recipe sized to your revenue and starts you at a percentage you will not feel.
Watch it sort
What you Do
On the allocation days, make the transfers the app lays out. A few taps in your banking app.
The app does
Works out the exact amount for each account and reminds you. You move the money.
Take your profit
What you Do
Once a quarter, take your profit distribution. Actual money, in your pocket.
The app does
Tracks the balance, prepares the number, and keeps your tax money set aside.
- Two ways to run it
Automated, or bring your own bank
Same five accounts either way. The difference is who moves the money.
Dream First bank
Five accounts, opened and automated
The app moves the money for you automatically, on your scheduled allocation days.
Your five accounts open ready to use in about 10 minutes, online.
FDIC insured through Dream First Bank, up to $250,000.
Free. The bank is what makes the app free.
Your current bank
Connected read-only through Plaid
You move the money on transfer days. The app does the math and reminds you.
Connects in about a minute. Works with 12,000+ banks.
Read-only: the app sees balances, it never moves a dollar without you.
Included on every paid plan, with 30 days free.
Either path keeps your money in your name, at a regulated bank, available to you anytime.
- Why Profit First App
Why owners choose Profit First App.
Plenty of apps can hold your money. This one is built to run Profit First end to end,
the way the book intended.
Built around the method
The official Profit First app, designed around the book, not a generic budgeting tool bent to fit.
Accounts, not envelopes
Your splits are actual bank balances you can see and spend from, not virtual categories inside an app.
The money moves itself
With DreamFirst.bank, allocations run automatically on your scheduled allocation days. Nothing to remember, no manual transfers.
It tells you what to do
Recommended percentages, a quick assessment, and a path that ramps from 1% toward your target. Made for non-finance owners.
Free to start
Open a DreamFirst.bank account and run the full method at no cost. About 10 minutes to set up, no credit card.
Yours, and easy to leave
Your money stays in your name at a regulated bank. Cancel anytime, with nothing locking you in.
- How we’re different
Most money tools report. This one acts.
Budgeting apps, spreadsheets, and your bank dashboard show you what already happened.
Profit First App steps in before you spend, and splits real money into accounts on a set schedule.
when it works
what it does
who acts
your profit
The moment income lands, before you can spend it.
Moves money into separate accounts, so the plan runs itself.
The app, on your scheduled allocation days.
A balance sitting in its own account all year.
Most financial tools
After you have spent, at month end or tax time.
Tracks and categorizes, so you can review later.
You, if you remember to set profit aside.
A number you discover at the end of the year.
when it works
The moment income lands, before you can spend it.
what it does
Moves money into separate accounts, so the plan runs itself.
who acts
The app, on your scheduled allocation days.
your profit
A balance sitting in its own account all year.
Most financial tools
when it works
After you have spent, at month end or tax time.
what it does
Tracks and categorizes, so you can review later.
who acts
You, if you remember to set profit aside.
your profit
A number you discover at the end of the year.
Tracking tells you what happened. Profit First decides what happens next.
- Behind the Method
It works with your instincts,
not against them.
Not budgeting, not willpower. Profit First borrows habits you already run in the rest of your life and points them at your money, until taking profit is just what happens.
Small plates
Income is split into small, single-purpose accounts, so what looks spendable is only ever the Expenses balance, and the business quietly learns to run on it.
Pay yourself first
A slice goes to Profit the moment income arrives, before any bill, so profit is the thing that’s protected instead of the thing that’s left over.
On a rhythm, not a whim
Allocations run on your scheduled days. Profit becomes a habit you never have to remember to keep.
- Questions
The doubts, answered here.
No buried help page. The things people pause on, handled right at the decision.
Can I keep my own bank?
Yes. You can connect most banks, and Profit First will read your balances and tell you exactly what to move on transfer day. You make those transfers yourself. With a Dream First Bank account, the app does the moving for you automatically.
Won't taking profit first starve the business?
It is the most common worry, and the opposite usually happens. When there is a little less sitting in the operating account, you get sharper about what the business really needs, and you find leaner ways to do the same work. Most owners say the business runs better, not tighter.
Is this accounting software?
No. Accounting software records what already happened. Profit First decides where your money goes as it comes in, so you always know what is safe to spend. It works alongside your bookkeeper or accountant, it does not replace them.
Do I need to be good with numbers?
No. Answer one question about your revenue and the app works out your percentages for you, then does the math on every deposit. You just see four clear balances and one number for what is safe to spend.
What happens after the 30 days?
You pick the plan that fits, or stay on the free one and keep the system running. We will remind you before the trial ends. Nothing gets charged and nothing changes without you choosing it.
Profit First in your pocket
Check your bank balances, watch profit build, approve allocations and see your progress from anywhere.
