Profit First, built intoyour banking.

Profit First is a cash management method created by Mike Michalowicz that flips traditional accounting: instead of paying expenses first and hoping there's profit left over, you allocate profit immediately when money comes in. Every deposit gets split into separate accounts for Profit, Owner's Pay, Taxes, and Operating Expenses, so you always know exactly what's available to spend.

Yes. Relay is the official banking platform for Profit First, endorsed by Mike Michalowicz, the creator and best-selling author of the method. Relay is the only banking platform built to support Profit First right out of the box—with multiple checking accounts, customizable allocations, and automatic transfers all in one place.

Setting up Profit First in Relay takes three steps: open your accounts (Income, Profit, Owner's Pay, Taxes, and Operating Expenses), set your allocation rules by percentage or dollar amount, then automate your transfers. Once your rules are in place, Relay automatically splits every incoming deposit into your Profit First accounts.

Relay lets you open up to 20 checking accounts and up to two savings accounts, all within one dashboard. That gives you everything you need to run the full Profit First system, with room to add accounts as your business grows.

Yes. Relay's auto-transfer rules let you set allocations that run automatically on your schedule—daily, weekly, or monthly. Every time money hits your Income account, Relay splits it according to your percentages without any manual work.

Yes. Relay lets you invite your Profit First Professional with a secure, role-based login. You control exactly what they can see and do—they get the access they need to review allocations, monitor spending, and keep you accountable, without touching anything outside their role.