Everything you need to know about using Flow 52 — from setup to managing your money year-round.
The simplest way: grab your last 12 months, one month at a time, bank statements from your business bank account. Almost every statement shows a total deposits figure — that's your monthly cash in.
Money that actually landed in your bank account. Not invoices you sent, not revenue you "earned" but haven't collected. If it hit your bank, it counts. If it didn't, it doesn't.
At a minimum, your major non-monthly bills — tax payments, insurance premiums, annual licenses, accounting fees, and VAT/GST or sales taxes you collect.
Also include any large monthly payments like rent, where putting money aside weekly makes it easier. Basically, if it's a bill that would hurt to miss, put it in.
Leave out your everyday running costs like supplies, fuel, and food — anything you need to provide your service. Those stay in your operating account.
A separate account where your weekly transfers land and sit untouched until a big bill comes due.
We recommend a fee-free, interest-bearing online savings account with instant transfers, covered by your local government deposit guarantee — that way your money is protected, earns interest while it waits, and is available the moment you need it.
Flow 52 tells you exactly how much to deposit each week.
No. Flow 52 never touches your bank. You set up the recurring transfers yourself at your own bank. We calculate the amounts — you control the money.
No. If you can read a bank statement, you can use Flow 52.
About 10 minutes if you have your bank statements handy. Then 10 minutes online to set up the recurring transfers. Under 30 minutes total.
Spreadsheets tell you what happened. Budgeting apps estimate what you will spend. Flow 52 does something different — it calculates exactly how much to set aside each week so your future bills are already covered. It's not tracking, it's planning. Set it once, forget it for a year.
You set up 2-3 automated recurring transfers (depending on your seasons) at your bank. We give you the exact dates and amounts for each season — that's it. Takes about 10 minutes. Then come back in 12 months to refresh your numbers, or sooner if things change.
Because $200 a week feels manageable. $800 a month feels undoable. Smaller, more frequent transfers are easier to absorb and less likely to disrupt your cash flow.
Add them all together. Flow 52 cares about total cash hitting your account each month, regardless of source.
Use what you have and estimate the rest. Even rough numbers based on what you expect give you a better plan than no plan at all. Come back and re-run it once you have real data.
Yes — re-run the wizard anytime with updated numbers and set new transfers at your bank.
Come back and re-run the wizard. Your subscription covers unlimited reviews per year. Update your numbers, get a new schedule, adjust your bank transfers.
Yes, if they're significant. Monthly loan payments, equipment finance, or credit card minimums that you want covered by the holding account should go in as expenses.
Absolutely. Share your login or sit down together for 15 minutes. Some of our best results come from owners and their accountant running through it together.
Each business needs its own account with its own revenue data and expenses. If you run two seasonal businesses, run the wizard separately for each. Click here to add a business to Flow 52.
You have an automated system so you should never miss a transfer. This weekly transfer should be the number one money that is deducted from your operating account every week.
But if there simply aren't funds available, double up the following week by doing a manual transfer of the required amount. The system is built with the full year in mind — one missed week won't break anything as long as you catch up.
This is actually important information. If you cannot afford the weekly transfer that is required in any of the seasons that Flow 52 has calculated, this means your business isn't profitable. You probably already suspect this. Flow 52 didn't create that problem — it revealed it. It's great you know now. Your options:
Either way, now you know and you can act.
That's exactly why the holding account exists. And that is why you should put money aside in the Emergency bucket. It's your buffer for surprises. And let's face it, there are always surprises in business.
This is very common when first starting your cash management system.
Just transfer whatever is in the holding account back to your operating account and use extra money from your operating account balance to cover the bill. You would have been using that cash before setting up Flow 52. With Flow 52 at least you have some of the bill covered.
If there still isn't enough cash in your operating account, you'll need to negotiate with the supplier — ask for a payment plan or extension. Which is what would have happened before you started the Flow 52 system. Just know, this lack of cash will be short lived as your holding account builds up.
Don't worry about replacing the holding account funds afterwards. Just keep your automated weekly transfers running and let it rebuild. Instead of robbing Peter to pay Paul, think of it as Peter helping pay Paul's bill. And Paul will help pay Peter's bill in the future.
It's your money — if you need it, take it. But only do this if you're absolutely desperate.
The key rule: keep your weekly transfers running no matter what, even if you have to transfer the funds back to your operating account immediately. As you move from slow season into shoulder season, the transfers will start to stick. You'll stop needing to pull it back out, and the balance will build. That's the system working.
That's actually fine — you just need to be patient while the holding account builds up. If you can afford it, start transferring at your shoulder season amount instead of the slow season amount — this gets your buffer built faster.
If that's too much, stick with the slow season amount and let it grow naturally. The important thing is to keep those automated transfers occurring weekly.
It will take a little time before there's enough to cover everything, but every week you're closer.
If your income is roughly the same every month, Flow 52 can still help you. You still have large annual, quarterly, and even monthly bills. Life will be so much easier if you put money aside every week.
You simply calculate your yearly expenses that you want to cover and divide by 52 to get a weekly amount. Then transfer that amount every week.
If payroll is a large, predictable cost that varies by season and is paid monthly — like hiring extra staff for summer — include it as an expense. Enter the total amount and when it's due. Flow 52 will factor it into your weekly transfers.
The money for the payroll will be waiting for you at the end of every month.
Enter cash when it actually hits your bank — that's the month it counts. If a wedding planner collects a deposit in January for a June wedding, January gets that cash. Flow 52 works on real money in, not when the work happens.
You can also look at moving that money into the holding account to cover the expenses at the time of the delivery of service.
Try resetting your password using the "Forgot password" link on the login page. If that doesn't work, email team@flow52.com with the email address you signed up with and we'll get you back in.
Email team@flow52.com and we'll help you track it down. To look it up, please include your full name, your business name, the approximate date you signed up, and any other email addresses you might have used.
First, try clearing your browser cache. This fixes most display and saving issues. Here's a step-by-step guide that covers all devices and browsers.
After clearing your cache, refresh the page and try again. Your data is saved at each step, so you won't lose progress.
If the problem still persists, email team@flow52.com with a screenshot of what you're seeing and we'll investigate.
Yes. Email team@flow52.com to request deletion. Please include your email address used to sign up, your full name, your business name, and a written confirmation that you want all data permanently deleted.
Please note: deletion is permanent and cannot be undone.
Flow 52 works in any modern web browser, including on mobile. For the best experience entering your numbers, we recommend using a tablet or computer.
Yes. Your data is encrypted, never shared with third parties, and you can delete it anytime. See our privacy section for details.
Flow 52 is a yearly subscription that renews automatically on your anniversary date. You get unlimited access to the wizard and can re-run your plan as many times as you need throughout the year.
If you'd like to cancel, you can do so at any time — your access continues until the end of your current billing period, and you won't be charged again.
Go to your Account Settings and click "Cancel Subscription." You'll see a confirmation screen, and your access continues until the end of your current billing period.
Email us at team@flow52.com — we respond within 24 hours on business days.
If you'd prefer to talk it through, you can book a free one-on-one walkthrough call and we'll go through everything together. No question is too basic.
Book a call here — free walkthrough calls are available until 31st May 2026.
Yes. If you'd rather have someone walk you through the wizard step by step, you can book a call here: https://calendly.com/team-flow52/scff-walk-through
Until 31st May 2026, walkthrough calls are free for all subscribers. After May 31st 2026, setup calls are available with our premium plan at $400.