Here's what I set up for you. Look it over and tell me if anything's off.
Able
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Monthin progress
May habits
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Next 14 days
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Income this month
No income logged yet this month. Tap "Log income" above to start.
Forecast
Expected income coming in
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, 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
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. Check off bills as you pay them each month.
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
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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. 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.
Activity
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Tax export
Every transaction you marked tax-deductible, grouped by category. Download as CSV for your accountant or Schedule C.
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Reclassify transaction
New category
Settings
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.
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. Browser notifications, no app install required.
Email reminders
We'll send these 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 on top of 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 who might find Able useful. When they start a trial or convert to paid, you earn rewards applied as credits to your subscription.
Next free month
Every 3 friends who start a trial.
0 of 3
Next free year
Every 5 friends who convert to paid.
0 of 5
Rewards earned
Invite someone
Your invites
Learning Center
Coach
Ask anything about your money. I see your bills, debts, reserve, and income.
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
We found these recurring charges in your transactions. 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
Connect your bank to finish setup.
Able works best when it can read your transactions and draft a Floor-First plan automatically. Takes about a minute.
By connecting, you authorize Plaid to share your account data with Able. Read Plaid's privacy policy.
Add fixed allocation
Edit income
Saving will reverse the original allocation and re-run it with the new amount. Debt balances and reserve will be adjusted.
Review your income
We weren't sure how to label these. Tap a button to teach Able for next time - every label trains future syncs.