# Able: Inconsistent Income — Built for inconsistent income > Finance app for freelancers and those with unpredictable income. (iPhone/iPad app by Paul Johnson.) - Source: https://appshunter.io/ios/app/able-inconsistent-income/id6769551407 (this page in markdown: same URL + `.md`) - Developer: [Paul Johnson](https://appshunter.io/developer/1896667775) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.1 · 3 MB - Languages: English - Released: 2026-05-19 - Data updated: 2026-06-25 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/able-inconsistent-income/id6769551407/reviews.md ## What is Able? 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. ## Key features - Floor-first budgeting method - Per-deposit allocation - AI financial coach - Bank connection via Plaid - Bill and debt tracking - Tax bucket - Sandbox mode ## Frequently asked questions about Able ### What is the 'floor-first' method in Able? The floor-first method prioritizes your bills and taxes first from every deposit. Any remaining funds are then allocated to pay yourself, extra debt payoff, reserves, or free spending, ensuring you always know what's safe to spend. ### How does Able connect to my bank? Able connects to your bank accounts securely via Plaid. It reads up to twelve months of transaction history to automatically detect recurring bills, debts, and income patterns. ### Does Able have ads? No, Able is privacy-first and does not have ads. Your financial information is used solely to power the app's planning features and is only shown to you. ### What are the pricing details for Able? Able offers a 30-day free trial. After the trial, it costs $14.99 per month or $129 per year. You can cancel your subscription anytime through the app's settings. ### Can I track my debt payoff with Able? Yes, Able includes a debt payoff timeline feature. You can choose between the Avalanche (highest interest rate first) or Snowball (smallest balance first) methods, and see your estimated payoff date and total interest cost. ### What kind of support does Able offer for taxes? Able includes a dedicated tax bucket that automatically sets aside a portion of each deposit for taxes, calibrated to your state. It also offers tax export functionality, grouping deductible transactions by category for your accountant. ### How often is Able updated? Able was last updated on June 19, 2026, with version 1.0.14. This indicates a relatively frequent update schedule, suggesting ongoing development and improvements. ### Is Able available on Android devices? Based on the provided data, Able is currently supported on iPhone and iPod. Information regarding Android compatibility is not available. ## Version history (last 5 releases) ### 1.0.14 — 2026-06-19 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 ### 1.0.10 — 2026-05-29 Fixes + new ways to control your money: • Decide where each deposit goes — keep the recommended plan or earmark it toward one bill (great for getting ahead on the mortgage). • Link individual transactions to specific bills. Able learns by merchant AND by category so future purchases auto-link. • Tax export now bundles income with deductible expenses for your accountant or Schedule C. • Future-month bills no longer mistakenly show as paid in Next 14 days. • Weekly and biweekly bills correctly reappear after each cycle instead of staying hidden until month-end. • Tour fixed and updated with new features. ### 1.0.3 — 2026-05-23 Security hardening: improved input validation, rate limiting, and privacy of analytics events. Bug fixes. ### 1.0.2 — 2026-05-20 • Fixed an issue where the keyboard could cover input fields when adding or editing bills • Improved how past-due bills reconcile so the math stays accurate • Polished the balance display for clearer day-to-day numbers • General performance improvements and bug fixes • Fixed keyboard layout: form fields no longer jump or leave a gap above the keyboard • Native push notifications now supported — enable in More → Push notifications • Minor fixes and polish ### 1.0 — 2026-05-20 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-25.*