Able vs Amppfy

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.

Amppfy answers the one question every household asks: what can we actually spend before payday? ONE CLEAR NUMBER Your bank balance isn't what's safe to spend, because rent hasn't come out yet. Amppfy takes the cash in your accounts, subtracts the bills due before your next paycheck, sets aside your planned savings and a safety cushion, and shows what's left: Safe-to-Spend™. The math is printed right under the number, every line one you entered. ONE WORD FOR THE WEEK Under the number, a short scale says how the days to payday look: comfortable, tight, or dips into cushion. Beside it, the date the number holds until and what that is a day. One glance, no guessing. TEN MINUTES A WEEK KEEPS IT HONEST The weekly check-in is four short steps: see where you stand, confirm the bills that are due (tap the circle to confirm, tap the bill to change it this time), settle anything flagged, and close the week. Forgot a bill or a paycheck? Add it right there. Three cards close the week, with your streak. BUILT FOR TWO Invite your partner with a link or a QR code. They sign in with their own login and land on the same number, the same bills, the same goals, updated the moment either of you changes something. Shared accounts show for both of you; private ones stay private, and that rule lives in the database, not just on the screen. RUNS ON THE BALANCES YOU ENTER Enter what's in your accounts, about thirty seconds each, and your number is ready. Updating a balance takes a tap, and the check-in reminds you when one is getting old. Your data is never sold. SEE THE MONTH, NOT JUST THE MOMENT Budget shows where the month's money goes from the plan you already made: bills, savings, subscriptions and everything else, with a page per bill group, month by month. Calendar lays out every bill and payday on the full month grid, with the lowest point before payday marked. Net worth and Accounts show what you own and what you owe on the same clear rows. A HEADS-UP, NEVER AN ALARM A note the day before a bill, when the dip before payday reaches your cushion, or when it's check-in day. Calm, on your terms, and easy to tune. WHAT'S INSIDE • Safe-to-Spend™, recalculated the moment anything changes, with every line of the math shown • Bills: before payday, this month, subscriptions, all; due dates, auto-pay, who owns what • Income: every paycheck on its schedule, so you always know when the next one lands • Goals: an emergency fund or a trip, funded first like a bill, with a page each for Add money and Adjust • Budget: the month in four parts, any month back, any bill group over time • Calendar: your month at a glance, with the running balance under it • Net worth and Accounts: checking, savings, cash and credit cards, each counted or not on your terms • Household: members, what each person sees, and the settings that shape your number • Widget: your number and how the week looks, on your Home Screen ONE ACCOUNT, EVERYWHERE Sign in with Apple, Google, or one email address. Everything stays in step between your iPhone and the web at app.amppfy.com, so the number you check in the checkout line is the number your partner sees at the kitchen table. Free. No credit card required. Finding your number takes about five minutes: enter your balances, your next payday and the bills due before it, and the receipt fills in as you go. Then invite your partner and pick a day for your first check-in.