Flowify connects to your business bank account and your POS, reads every sale and every dollar every day, and automatically moves only what you owe into your Flowify master account, then down into a sub-account for payroll, taxes, bills, and inventory. Your profit stays in your own bank.
No spreadsheets, no manual transfers, no guessing at what you can actually spend.
Set up free in under 10 minutes. No card required to explore.
Your Bank
We track every dollar
Your POS
We sense every sale
Flowify
Daily Allocation Engine
Reads your bank + POS daily, then moves only what your obligations need into your Flowify master account
Payroll
Covered before payday
Sales Tax
Measured from real receipts
Bills
Every due date accounted for
Reorders
Budget grows with real COGS
Savings
Optional profit slice
Your Profit
Never leaves your own bank
Every dollar gets a job, a number, and a deadline you can see.
Only the money your obligations need leaves your bank. It lands in your Flowify master account, then trickles down into each Smart Node sub-account. Your profit never moves — it stays right where your sales deposit, in your own bank account. Example figures.
Each Smart Node has one job and its own real sub-account under your Flowify master account. Every day Flowify moves only what your obligations need out of your bank, into the master account, then down into each node — so nothing gets spent twice. Your profit never moves; it stays in your own bank account, free to spend.
A daily set-aside amount so payday is fully covered before it arrives.
Every sale's tax is tracked and totaled, so filing day holds no surprises.
Rent, utilities, subscriptions: know the daily number before they hit.
A reorder budget that grows with every sale, based on real item costs.
Want to stash a slice of profit? Set a %, and we'll show you the daily amount.
"Money comes in. Every dollar gets a job, automatically.
Whatever's left is yours — free and clear."
Try it yourself
Enter a sample day of sales and adjust the percentages to match your shop. Flowify does this with your real numbers, every day, on its own — and your profit never leaves your own bank account.
Moves into your Smart Nodes
True profit — stays in your bank
$924
22.0% of the day is genuinely yours to spend.
Illustration only. Flowify uses your actual POS sales, item costs, tax rates, payroll, and bills instead of estimates.
Without Flowify
With Flowify
Flowify isn't a monthly report you read after the fact. It plugs into your bank and your POS, reads what actually came in, and hands you the exact dollar amount each bucket needs today — measured from real receipts, not estimates.
Link your POS and your business bank account. Takes about 5 minutes.
Flowify pulls every sale from your POS and every dollar from your bank, then calculates exactly what each bucket needs today and how far through its cycle you are.
Flowify funds each bucket automatically and tracks every cycle, so payroll, taxes, and bills are covered before they're due — and what's left is safe to spend.
You're not guessing at expenses anymore. You know the number before the bill shows up.
Most cash-flow tools assume you have one bank account, one location, and one person doing the books. Flowify ships with everything below included — no upgrades, no add-ons.
Connect Lightspeed Retail or eCom and Flowify pulls every sale, product, and tax line automatically. Your tax number comes from real receipts — not estimates.
Run more than one store? Tag bills, payroll, and POS outlets to each location. See exactly what every store costs to operate every month.
Tell us if you file monthly, quarterly, semi-annually, or annually — Flowify tracks the tax you've actually collected in the current period so the number on your dashboard matches what you'll owe.
Loans, insurance, software, and other company-level bills now live in their own bucket so they never inflate any single store's cost line.
Hand a manager view-only access to one Smart Node, or give your bookkeeper spend permission on bills. Every invite is scoped to exactly what they need.
Flowify scans your bank activity and surfaces every recurring vendor — rent, utilities, software — so you can confirm in one click instead of typing them in.
Every plan includes all of the above. No upgrades, no add-ons.
Reads your sales daily and funds every bucket from what actually came in.
Buckets are yours alone. You set the rules, and you can pause or move funds any time.
Connect your bank and POS, set your splits, and you're done.
Where this is going
Today a shop owner stitches together a register, a processor, a bank, a bookkeeper and a lender — five systems that never agree. Flowify is building all of it into one: sell, get paid, set money aside, pay the bills, fund growth and close the books in the same place.
Phase 1
Connect your POS and bank. Flowify reads every sale and tells you the exact dollars to set aside for taxes, payroll, bills and inventory — plus true profit per shop.
Phase 2
A bank partner issues you a master account with a real sub-account per Smart Node — its own routing and account number. Obligations move in and get paid automatically. Profit stays in your own bank.
Phase 3
Flowify becomes the register and the checkout. When we process the sale, every dollar is allocated the moment it is swiped — no sync, no lag, no reconciliation.
Phase 4
With real-time revenue, cost and cash-flow data, Flowify can fund growth and close the books — the whole back office of a business in one system.
Every phase is additive. Nothing you set up today gets thrown away — it becomes the foundation of the next piece.
Common questions
Straight answers about your data, your money, and your control.
Flowify connects to your POS and your business bank account, reads every sale and every dollar each day, and automatically sets money aside for payroll, sales tax, bills, and inventory before you can spend it. What's left after every obligation is funded is your real profit.
Only the part you owe. Each day Flowify moves just what your obligations need out of your own bank and into your Flowify master account, then trickles it down into each Smart Node's sub-account. Everything above that — your profit — never moves and stays in your external bank account. Payroll, bills, and taxes get paid out of the right node when they come due, and you can pause, adjust, or pull funds back at any time.
Yes. Your business gets one Flowify master account at our banking partner, and every Smart Node gets its own real sub-account underneath it with its own account and routing number. Money flows from your bank into the master account, then down into each node sub-account — and money in a node can only be spent on that node's job.
In your own external bank account, untouched. Flowify only pulls what payroll, sales tax, bills, and inventory need. Whatever is left after those set-asides stays in the account your sales already deposit into, free and clear for you to spend.
From your actual data. Sales tax comes from the real tax lines on every receipt your POS records. Inventory comes from real item costs. Payroll and bills come from the cycles and amounts you set once. Flowify divides what each cycle needs by the days left, so every number is measured, not guessed.
Yes. Flowify tracks exactly what you've collected, reserves it as you go, and files and pays through your state's portal on your filing schedule. You approve the filing; Flowify handles the submission and keeps the confirmation on file.
Never. Profit is what's left after every node is funded, and it stays in your external bank account — we don't move it anywhere. Flowify only transfers the money your obligations need into your Flowify master account and its node sub-accounts.
No. Your existing bank stays exactly as it is and keeps taking your deposits and holding your profit. Flowify connects to read deposits and detect recurring bills, and adds one Flowify master account with a sub-account per Smart Node for the money you're setting aside.
Lightspeed Retail and Lightspeed eCom are fully wired in — we pull every sale, product, and tax line automatically so your tax reserve and inventory budget come from real receipts. More POS providers are on the way; if you're on something else, let us know and we'll prioritize it.
Flowify is built for it. Tag bills, payroll, and POS outlets to each store and you'll see exactly what every location costs to operate and which ones are actually in profit. Company-wide bills like loans and insurance live in their own bucket so they never inflate any single store's number.
Yes. Invite anyone on your team and scope their access to specific Smart Nodes — view-only for a manager who just needs visibility, or spend permission for a bookkeeper handling bills. They never see the rest of your finances unless you give them access.