Plan your money — run the numbers.
Six interactive calculators. Move a slider, see every panel update immediately. Each simulator is a Progressive Web App you can install on a phone and use offline.
See how ABLE take-up has grown across states.
Interactive US map. Play the animation to watch first-mover states (Ohio, Tennessee, Nebraska, Virginia) pull ahead. If your state is behind, that is exactly why you opening an account matters — every account moves the state signal.
Preliminary. Data scraped from state Treasurer, Ascensus, and Vestwell public reports on July 13, 2026. Full research at riseilab.org/able-research.html.
Start with the ABLE Simulator if you're new.
It combines eligibility, benefits impact, twenty-five-year balance projection, employer-match economics, and qualified-expense budget on one screen. Every other simulator here is a specialized tool for a specific decision.
ABLE Simulator
All-in-one interactive tool. Eligibility, benefits impact, twenty-five-year growth, employer match, and QDE budget in one screen with real-time sliders.
Eligibility Concierge
Six plain-language questions. We check your eligibility, gather what your state portal will ask for, and hand you a one-tap link with your data pre-filled.
Benefits Simulator
Beyond ABLE. Models 25 federal and state programs together with state-specific rules and interaction logic. For complex cases.
Employer ROI Calculator
Estimates match cost, retention effect, break-even employee count, and payback of an employer-sponsored ABLE match program.
529-to-ABLE Rollover
Should you move existing college 529 savings into an ABLE account? Models tax impact, SSI protection, and flexibility trade-offs.
Paycheck Split Optimizer
How to route your direct deposit between ABLE, checking, and emergency reserve to stay SSI-safe. Animated pie chart of the split.
SNT vs ABLE Decision Tool
Should you use a Special Needs Trust, an ABLE account, or both? Five-question wizard with a nine-row side-by-side comparison.