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.
Start free. Grow when you’re ready
Starter
Start today with Dream First Bank.
1 user license
Up to 5 bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Essentials
For owners keeping their own bank
$19.99/ mo
1 user license
Up to 5 bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Advanced 
For growing businesses
$49.99/ mo
2 user license
8 bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Profit allocator
Debt crusher tool
Premium
For teams & multi-entity
$99.99/ mo
5 user license
Unlimited bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Profit allocator
Debt crusher tool
Full assessment
Vision tool
Starter
Start today with Dream First Bank.
1 user license
Up to 5 bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Essentials
For owners keeping their own bank
$199/ year
1 user license
Up to 5 bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Advanced
For growing businesses
$498/ year
2 user license
8 bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Profit allocator
Debt crusher tool
Premium
For teams & multi-entity
$986/ year
5 user license
Unlimited bank accounts
Video guidance by Mike
Account balance updates
Quick assessment
Rollout plan
Allocation calculator
Profit allocator
Debt crusher tool
Full assessment
Vision tool
The free plan runs with Dream First Bank accounts. Splits happen on their own.
Paid plans work with Dream First or any bank you connect via Plaid.
View Detailed Price Comparison
- FEATURES
Always included with every plan.
The five accounts
Income, Profit, Owner’s Pay, Tax, and Operating — set up exactly the way the book teaches.
Allocation calculator
Transfer amounts calculated, then scored against your goals.
Cancel anytime
No contracts, no lock-in. Cancel anytime, right from Settings.
Video guidance from Mike Michalowicz
Learn each step directly from the author himself.
Bank-grade security
FDIC-insured protection, paired with read-only bank connections you fully control.
iOS, Android, and web
Check what’s safe to spend, on any device.
Rollout plan
Your profit grows on a plan, not by chance.
The five accounts
No more guessing where to start. Your Current Allocation Percentages (CAPs), calculated for you.
- Compare plans
Every feature, side by side.
Starter
Essentials
$19.99/ mo
Advanced
$49.99/ mo
Essentials
$99.99/ mo
Starter
How your money connects, and whether the splits run on their own.
Use DreamFirst.bank, free banking Your five accounts, opened at Dream First Bank with no monthly fee.
Connect your own bank via Plaid Links your existing accounts so the app can read balances. You make the transfers.
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Account balance updates Your balances stay current, pulled straight from the bank.
Accounts & team
How many people and bank accounts each plan supports.
User licenses How many people can sign in, like a partner or bookkeeper.
1
1
2
5
Bank accounts How many accounts the plan supports. Profit First starts with five.
5
5
8
Unlimited
Tools & insights
The guidance and planning tools that come built in.
Allocation calculator Works out how much of each deposit goes to each account.
Quick assessment A few minutes to see where your money goes now versus where it should.
Rollout plan Your quarter-by-quarter schedule for raising percentages gradually.
Video guidance by Mike Short videos from Mike Michalowicz explaining each step as you reach it.
Profit allocator Handles your quarterly profit distribution and what is available to take.
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Debt crusher tool Puts part of your quarterly profit toward debt, and tracks the payoff date.
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Full assessment The deeper version. A detailed plan rather than a starting point.
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Vision tool Sets a revenue and profit target, then works backwards to today’s numbers.
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- Stories
Relief, in their words.
App Store
4.8
· 12,000+ Ratings
Play Store
4.7
· 9,800+ Ratings
Trustpilot
4.6
· 5,000+ Ratings
- Calculate the ROI
Pennies on the profit you achieve.
Yearly estimated revenue, drag it
$470,000
$5,000$1M
What you get in a year as profit
2%
≈ $11,000
Profit
, in a year with profit first Method
≈ $47,000
(+327%)
1%
of that extra profit is all the tool costs for a year. As per the Essentials plan.
- Behind the Method
Dream First Bank, a real, regulated U.S. bank, not a startup holding your money. Your deposits carry the same federal protection as at any big-name bank, and the bank’s backing is what makes the app free.
1906
serving small businesses for over a century
$250k
FDIC insurance per depositor
$0
hidden fees, monthly or otherwise
“Moving banks felt like the scary part. It took ten minutes and my money is as protected as it ever was. Now it’s just organized.”
Jessica Parker
Bakery Owner
- 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.
