The ABLE financial planning app · Free for adults with disabilities

Start with ABLE.
Grow a full financial plan.

Check your ABLE eligibility. Open your account with a guided pre-fill. Learn the rules through short videos and plain-language lessons. Track your qualified expenses so nothing gets lost at tax time. Then, when you are ready, the app grows into a full financial life plan across every benefit you rely on.

ABLE eligibility, enrollment, videos, and QDE tools are free forever. Premium grows your app into a full financial plan for $3 a month.
Why now · National ABLE growth 2016 to 2025

The ABLE program has grown 42-fold since inception.

And still fewer than 3 percent of eligible Americans have opened an account. The gap is the opportunity. See where your state stands →

234,000+
accounts opened nationwide by December 2025
$3.0B
assets under management, up from $72M in 2017
$13,000
average account balance, up from $3,679 in 2017
9 million
Americans currently eligible — 6 million more join in January 2026

Preliminary. Source: RISEI Lab compilation from ISS Market Intelligence, NAST national ABLE data, and state Treasurer publications, July 2026.

What ABLE does for you · Yin (2026) research

Where ABLE is available, adults with disabilities gain across every outcome.

Causal-identification evidence from state ABLE program launches, 2016 to 2026. Read the research summary →

Household
+$321
disposable income per adult with disability, per year
Household
+1.49%
log disposable income lift
Household
−0.53 pp
transfer share of income falls
Aggregate
+$1.6B
annual disposable income across treated population
Labor
+0.73 pp
employment rate
Labor
+0.82 pp
labor force participation
Labor
+8.11%
log wage income
Aggregate
+$1.46B
annual added earned income
Even larger for young adults with pre-age-26 disability onset
+1.84 pp
employment rate
+1.15 pp
labor force participation
+22.47%
log wage income

Preliminary. Yin, M. (2026). ABLE Accounts and the Household Economic Response to Asset-Test Relief. RISEI Lab Working Paper 2026-05. Estimates are causal, from state-year staggered rollout 2016 to 2026 across three state-year panels and individual-level ACS. Standard errors clustered at state. All p<0.05 or better except transfer share (p<0.10). Full paper and methods at riseilab.org/able-research.html.

Everything we offer, one tap away

Six ways to get started right now.

Ask
Ask anything about ABLE
Voice or text. Answers with citation to the rule that supports them.
Learn
Financial Learning Hub
Six learning paths. Short videos. Plain-language lessons and quizzes.
Plan
Simulators and calculators
See how ABLE affects SSI, Medicaid, and 25 other benefits before you decide.
Enroll
Check eligibility in 5 minutes
Guided pre-fill for your state ABLE portal. Never asks for your SSN.
Voice App
Try the voice-first app
A neutral voice walks you through your intake. Nothing leaves your device.
Premium
Personalized full plan
Eligibility Map, Wealth Trajectory, Debt Reduction, and Retirement. $3/mo.
The app · Five modules

One app. One personal financial plan.

Enter every welfare program you receive one time. The app builds a plan across five modules, refreshes it every month, and checks every recommendation against your benefits stack before it lands.

Module 01

Eligibility Map

Scan across SSI, SSDI, Medicaid, HCBS, SNAP, HUD, LIHEAP, and every means-tested program in your state. Every one you qualify for. Every one you have not claimed.

Module 02

Wealth Trajectory

Five, ten, and twenty-year projections of your net worth, ABLE balance, and benefits status. Scenario compare so you see how one decision changes the path.

Module 03

Homeownership Path

Down payment through ABLE. Mortgage payments through ABLE. State-specific programs and disability-lending routes. SSI, SSDI, and Medicaid all held.

Module 04

Debt Reduction Plan

TPD student loan discharge. PSLF. IDR resets. Hospital charity-care programs. Every discharge route creditors will not tell you about, ranked by biggest wins.

Module 05

Retirement Interaction

IRA, 401k, ABLE, SSDI, and Social Security Retirement sequenced. Traditional versus Roth chosen with your benefit exposure, not just tax bracket.

Every month

The monthly refresh

Health score. Contribution bundle across you, family, employer, and sponsor match. One action this month, with dollar amount and one-tap next step.

See a sample plan →
The app experience

Fifteen minutes to your first plan. Then, one page every month.

Day 1 · 5 min

Sign up

Email and state. That is the whole signup. No SSN.

Day 1 · 15 min

Guided intake

Five tabs. Cash benefits, health coverage, food and housing, work supports, assets and debts.

Day 2

Your first plan

Five-module plan lands in your inbox as a PDF. Download and share with a counselor or CPA.

Every month

One page, refreshed

Health score, contribution bundle, and this-month action. Streak lives in the header.

Premium · Personal financial planning for PWD

Build wealth. Keep your benefits.

Enter every welfare program you receive (SSI, SSDI, Medicaid, HCBS, SNAP, housing, more) once. Get a personalized plan across eligibility, homeownership, wealth building, debt reduction, and retirement. Every recommendation is checked against your benefits stack, so you keep what you rely on while your net worth grows.

See a sample plan → Join the waitlist
Eligibility Map
25 programs · SSI, SSDI, Medicaid, HCBS, more
Homeownership path
Down to close · benefits-safe
Debt reduction
TPD, PSLF, IDR · every route
Your cost
$3 /mo, free via sponsor
Not financial, tax, or legal advice. ReachABLE is for informational and educational purposes only. Estimates, simulations, and eligibility checks reflect general rules and do not account for your individual circumstances. Consult a qualified financial advisor, benefits counselor, tax professional, or attorney before making decisions about ABLE accounts, Supplemental Security Income, Medicaid, or your broader financial plan. Rules change, and state ABLE programs vary.