Earner vs Able

Earner helps shift, hourly, and tipped workers track work, estimate take-home pay, plan bills, and see what is safe to spend before payday. No spreadsheets, no payday guesswork: just your schedule, paycheck, expenses, and goals in one clear place. Built for: - Hourly, shift, tipped, overtime, and irregular-income workers - Fixed-salary workers who want a clearer view of their month - Anyone balancing bills, expenses, savings goals, and spending money between paydays Features: - Track shifts, hours, overtime, tips, and estimated earnings - See your pay build in real time while you work - Estimate taxes, deductions, net pay, and pay periods before payday - Plan recurring bills, everyday expenses, and savings goals - See what is safe to spend after bills and goals are accounted for - Set up schedule patterns and reusable templates for regular or changing work - Try what-if scenarios before taking extra shifts or changing plans - Review charts and summaries that make your money easier to understand Open Earner before, during, or after a shift and turn your work into a clearer payday plan. Earner Premium is optional and handled through App Store subscriptions. Available durations, local prices, and trial offers are shown before purchase. Subscriptions renew automatically unless cancelled in App Store account settings. Privacy Policy: https://jesperandersson.com/earner/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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.