If you’re wondering how often to move your money using the Profit First method, you’re not alone. Setting the right Profit First allocation schedule can make or break your consistency—and your cash flow clarity. In this blog, we’ll break down how often to allocate funds, why timing matters, and how to create a schedule that supports your business rhythm.
The short answer? Twice a month is recommended.
The better answer? Whatever rhythm supports your cash flow and doesn’t make you want to hide from your bank app.
Let’s break it down clearly, so you can create a Profit First allocation schedule that actually fits your business.
What Is a Profit First Allocation Schedule?
The Profit First allocation schedule is the rhythm you use to transfer money into your designated accounts for:
- Profit
- Owner’s Pay
- Taxes
- Operating Expenses (OPEX)
The official recommendation in the Profit First book is twice per month, typically on the 10th and 25th. This spacing allows income to accumulate and provides you with two regular “money meetings” per month to stay proactive.
Other Frequency Options for Profit First Allocations
While the 10th and 25th work well for many, your business is unique. Here are other common options:
Weekly Allocations
Perfect for businesses with daily or weekly sales, like retail or restaurants. Example: Move money every Friday.
Biweekly Allocations
Great for aligning with payroll or client billing cycles.
Monthly Allocations
Simplifies admin but can get risky if you overspend early in the month.
The key is consistency — not frequency. Choose a cadence you’ll actually follow.
Many of my clients in use biweekly allocations to align with their project schedules or client payment cycles. The goal is always the same: make your money management feel sustainable — not stressful.
How to Know If Your Allocation Schedule Is Working
You’ve found the right rhythm if:
✅ You’re making allocations consistently
✅ You aren’t panicking before payday
✅ You’re not dipping into your Tax or Profit accounts
✅ You can cover your bills from OPEX
If not? It’s time to tweak.
How to Adjust Your Allocation Schedule
- Review your income patterns: Are they weekly? Monthly? Sporadic?
- Pick a schedule that matches: Not the one from the book — the one that fits you.
- Set calendar reminders or automate it: Make allocation day a habit.
- Don’t wait for “perfect” — just start: You can always refine as you go.
Why Timing Your Allocations Matters
A consistent Profit First allocation schedule:
- Builds cash discipline
- Prevents overspending from your income account
- Creates mental clarity — so you’re not guessing what you can afford
Think of it like brushing your teeth: it’s a small action that adds up to a healthier business.
Example: Profit First in Action
Meet Rachel, a content strategist in Cedar Park, TX. She invoices clients on the 1st and 15th of each month. Her Profit First schedule?
📌 Allocations on the 5th and 20th
📌 Reminder set in Google Calendar
📌 Each transfer takes less than 15 minutes
This rhythm helps her stay profitable — without micromanaging her money every day.
Tools to Help You Stay Consistent
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Relay Bank – Built for Profit First with auto-transfer features
-
ClickUp or Asana – Set recurring reminders
-
Google Calendar – Block 15 mins twice a month
Venus’ Bottom Line
The best Profit First allocation schedule is the one you’ll stick to. Twice a month works for many, but don’t be afraid to adjust. Whether you’re a creative entrepreneur, consultant, or small business owner in Central Texas, the goal is clarity, not perfection.
Want Help Creating Your Profit First Allocation Schedule?
I’m Venus Michael — a Profit First Certified Bookkeeper at One21Account-Ability. I help creative entrepreneurs, consultants, and service providers across the U.S. pay themselves first, ditch financial chaos, and get their money rhythm back.
👉 Book a Discovery Call and let’s build your custom Profit First plan.
