Pay down debt. Build savings. Stop living deposit to deposit.
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Let's get you set up.
Building your plan
Reading your transactions. About 30 seconds.
Here's your plan. Tell me if anything's off.
Able
Home
Monthin progress
May habits
--/100
Next 14 days
See all →
Income this month
Log your first deposit to see what each dollar covers.
Forecast
Expected income
No expected income added yet. Log a payment you know is coming so Able can plan ahead.
Add expected income
30-day outlook
Add bills to your calendar
Add all your bill due dates as monthly repeating reminders.
Debt payoff
Your debts, highest interest first
Add a debt
If set, this minimum payment is auto-added to your Bills so it shows up in Allocate.
Payoff timeline
On top of minimum payments
Monthly bills
Able found 0 recurring charges
Review them as bills →
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Monthly total
$0
Tracked
0
Funded this month
$0 / $0
Bill
Due
Amount
Sorted by due date. Click any amount to edit.
Your story
Volume I
Your story
Streak, six-month chart, and the milestones you've earned.
Above the floor
0months running
Start a streak by closing your first month above the floor.
Month in progress
--
Building
Past 6 months
scores
Milestones0 unlocked
May habits in detail
Past months
Complete your first month to see history.
What if
Sandbox mode. Nothing here affects your real numbers.
Type any income amount and see how it would be split.
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.
Activity
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Tax export
Income you received and every transaction you marked tax-deductible, grouped for your accountant or Schedule C. Download as CSV.
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Reclassify transaction
New category
Link this purchase to one of your bills. Able will remember the merchant and link future ones automatically.
Settings
Fixed allocations
Money that comes off the top of every deposit, before bills. Use for contractor splits, tax set-asides, or paying yourself first.
Planning window
When money lands, how far ahead should Able 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.
Not sure? Most freelancers do well with: 5% pay yourself, 50% extra debt, 35% reserve, 10% spend.
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.
Connected accounts
Banks Able reads transactions from. Connect as many as you need - checking, savings, business, side-account. No cap. Disconnecting stops the sync and removes that bank's data from your account.
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By connecting, you authorize Plaid to share your account data with Able. Read Plaid's privacy policy.
Push notifications
A nudge on your phone or laptop the morning a bill is due, or when a deposit lands and needs allocating.
Quarterly tax reminder
Email reminders
Sent to the email on file. Unsubscribe anytime.
Subscription
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Security
Two-factor authentication adds a one-time code from your authenticator app, alongside your password. Required to connect a bank account.
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Lost access to your authenticator? Email hello@becomeable.app from the address on your account and we'll verify your identity and reset two-factor for you.
Account
Signed in as
Refer friends
Earn free months and a free year
Invite friends. When they start a trial or subscribe, you earn credits on your own subscription.
Next free month
Every 3 friends who start a trial.
0 of 3
Next free year
Every 5 friends who subscribe.
0 of 5
Rewards earned
Invite someone
Your invites
Learning Center
Coach
Ask anything. I know your real numbers.
Money just came in
Set up two-factor authentication
Open your authenticator app (1Password, Google Authenticator, Authy, or similar) and scan this QR code.
Can't scan? Enter this key manually:
Add a bill
Review detected bills
Able found these recurring charges. Pre-selected the ones that look like bills - uncheck anything that isn't.
Here's what we found
Pre-selected the bills and cards we detected. Uncheck anything that isn't yours, or close to handle later from Bills + Debt.
Add expected income
A payment you know is coming. Able will hold a spot for it on your forecast and split it across your buckets the moment it lands.
Your tagged leaks
What's on your mind?
A bug, an idea, something confusing. Anything that'd make Able better. Goes straight to Paul.
Update reserve
Money set aside for slow months. Goal is one full month of bills. Update whenever you move money in or out.
Past due bills
These were due earlier this month and haven't been marked paid yet. Confirm they're handled so reservations stay accurate.
Next 14 days
Everything coming up - bills due and income expected, in date order.
Money in your spending accounts
Add up your checking and any account you actively spend from. Skip your reserve/savings - that's tracked separately. Update this whenever your balance changes.
Money received. Here's where it goes
Where should this go?
Pick a bill to earmark this toward:
Get Able on your home screen.
Faster open, push reminders when bills are due, works offline.
