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Able
Monthly or annual. Same access. Cancel anytime.
Monthly
7 days free, then $9.99/month. Cancel anytime.
$9.99/mo
Save $41
Annual
7 days free, then $79/year. Two months free.
$79/yr
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Step 1 of 7
Let's get you set up.
Setting up your account...
AI is building your personalized budget
Here's what I set up for you. Look it over and tell me if anything's off.
Able
Next 14 days runway
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Monthly income floor
$0 in so farBills: $0
Income inBills floor
Money just came in
Here's exactly what to do with it
Income this month
No income logged yet this month.
Bills covered
0%
Bills covered this month
$0 of $0
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Safety net
Buffer fund
For slow months — goal is 1 month of bills
$0
0% of goal
Due in next 14 days
This month
Income in
$0
Paid yourself
$0
Extra to debt
$0
To buffer
$0
Expected income coming in
No expected income added yet.
Add expected income
30-day outlook
Add bills to your calendar
Add all your bill due dates as monthly repeating reminders.
Your debts, highest interest first
Add a debt
If set, we'll auto-add this minimum payment to your Bills so it shows up in Allocate.
Payoff timeline
On top of minimum payments
Monthly bills
Bill
Due
Amount
Monthly total$0
Click any amount to edit. Check off bills as you pay them each month.
This month's grade
--
Log some income to get scored
How you earn points
Bills covered, 30 pts Paid yourself, 20 pts Extra debt payments, 20 pts Buffer fund added, 15 pts Living within income, 15 pts
Past months
Complete your first month to see history.
Sandbox mode — nothing here affects your real numbers
Type any income amount and see how it would be split. Great for planning ahead.
Hypothetical income
Uses your real bills and split settings. Nothing is saved.
If you received this money today
Type an amount above to see where it would go
Saved scenarios
Run a few scenarios to compare them here.
Fixed allocations
Money that comes off the top of every income, before bills. Use for contractor splits, tax set-asides, or paying yourself first.
Planning window
When new money comes in, how far ahead should the allocator plan? Short windows send more money to debt. Longer windows keep more in reserve for upcoming bills.
How to split surplus money
Once bills in your planning window are reserved, leftover money is split across these buckets. They must add up to 100 or less.
Owner draw. Non-negotiable.
Highest-interest debt first
Move to a separate savings account
No guilt attached. It's yours.
Example: if $1,000 surplus came in
Income sources
Edit these to match your actual income streams.
Email reminders
We'll send these to the email on file. Unsubscribe anytime.
Subscription
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Account
Signed in as
Coach
Ask anything about your money. I see your bills, debts, buffer, and income.
Add a bill
Update buffer fund
Money set aside for slow months. Goal is one full month of bills. Update whenever you move money in or out.
Money received. Here's where it goes
Add fixed allocation
Edit income
Saving will reverse the original allocation and re-run it with the new amount. Debt balances and buffer will be adjusted.