Able: Inconsistent Income

Built for inconsistent income

Only for iPhone

Free

iPhone

Built for anyone who struggles to pay down debt due to inconsistent income. Able catches every deposit, covers your bills first and gives the rest a purpose. Built for the paycheck that doesn't follow a schedule. Most budgeting apps assume a steady paycheck. Yours doesn't. Income arrives in deposits — a Stripe payout, a client invoice, a marketplace payment — and the gap between deposits is what makes traditional budgeting feel impossible. Able is built for the way you actually get paid. THE FLOOR-FIRST METHOD Bills + tax = your Floor. Every deposit fills the Floor first. Once your bills in the planning window are reserved, anything left is split across four buckets you control: pay yourself, extra debt payoff, reserve, and free to spend. You stop guessing whether you can afford a $200 expense, because Able shows what's truly safe to spend after every upcoming bill is already covered. WHAT'S INCLUDED • Per-deposit allocation. Every dollar gets a job. • AI Coach that knows your real numbers. Not generic finance advice — your bills, your debts, your reserve, your income. • Bank connection via Plaid. Reads twelve months of history to detect bills, debts, and recurring income automatically. • Bill tracker with funded-this-month progress. Check off bills as you pay them. • Debt payoff timeline. Avalanche (highest rate first) or Snowball (smallest balance first), with payoff date and interest cost. • Tax bucket that comes off the top of every deposit, calibrated to your state. • Monthly score. Watch your habits build over time. • Sandbox / what-if mode. Test a hypothetical income before it lands. • Tax export. Every transaction you marked deductible, grouped by category, ready for your accountant. PRIVACY-FIRST No ads. No selling your data. No tracking across other apps. Your financial information is used only to power Able's planning and shown only to you. PRICING 30 days free. Then $14.99/month or $129/year. Cancel anytime in Settings. WHO IT'S FOR Freelancers, creators, contractors, consultants, and business owners with inconsistent income. If your income doesn't arrive on the 1st and the 15th, this app was built for you. THE PROBLEM WAS NEVER YOU. It was the advice you were handed. Every "budget your salary" framework assumed a paycheck you don't have. Able assumes the opposite — that the next deposit might be small, might be large, might arrive in three days or three weeks. The plan still works. LEGAL Read the Terms (becomeable.app/terms) and Privacy Policy (becomeable.app/privacy) before signing up. Subscriptions are handled by Stripe. Your card is required to start the trial. You'll receive a reminder email two days before the trial converts to paid.

Ratings & Reviews

  • 5.0
    out of 5
    1 Ratings

What's in 1.0.14 (5.21) — - Floor card now headlines home with "Covered through [date]" — Floor-First made loud - Bill rows: fixed names getting clipped on small phones, added linked-transaction count chip - Branded confirm dialogs replace iOS system alerts everywhere - Coach refuses to advise while Plaid is still syncing your account - "Money just came in" sheet no longer stacks behind the router - Multi-bill split: tap to select bills, route remainder through your plan - Activity: new "Where it went" spending buckets (last 30 days) - Floor pace card copy clarified (over/under pace, not "floor") - Debt tab: new "Log payment" button credits your monthly Debt score - Reserve modal now credits your monthly Reserve score when you bump it up - Activity scroll position preserved after reclassify

Version 1.0.14

The developer, Paul Johnson, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • Identifiers
    • Usage Data
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Paul Johnson
Size
  • 3.3 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
Languages
  • English
Age Rating
4+
Copyright
  • © 2026 Able LLC
  • Developer Website
  • Privacy Policy

    • You Might Also Like