REACHABLE. Financial independence, made reachable.
Check your eligibility for ABLE and every disability-linked benefit. Get a personal plan. Open your account. Learn how your finances affect your benefits every month. Free to start. Premium coming soon.
What ABLE is, and why it changed everything for people with disabilities.
Three things every family, counselor, or employer should know before opening a tool.
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1
Save without losing SSI or Medicaid.
An ABLE account holds up to $100,000 without affecting Supplemental Security Income. The full balance is excluded from Medicaid asset tests. First federal relief of the $2,000 SSI asset limit since 1989.
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2
Grow tax-free, spend on any Qualified Disability Expense.
Housing, transportation, health care, education, employment support, assistive technology. The definition is deliberately broad. Withdrawals for qualified expenses are tax-free.
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3
Newly eligible in 2026: adults with disability onset before age 46.
The ABLE Age Adjustment Act raised the onset cap from 26 to 46, effective January 1, 2026. About 6 million more adults are now eligible, including many veterans and adults with progressive conditions.
Pick the role that fits you.
Every audience gets a different starting tool. Or use the Navigator if you would like us to route you based on your goal.
Am I eligible? What could I save?
The ABLE Simulator models eligibility, benefits impact, and a 25-year balance in one screen with real-time sliders.
Run a structured session with a client.
The Counselor Studio holds a client roster, times each section, and drafts a follow-up email at close.
All benefits, not just ABLE.
The Benefits Simulator models 25 federal and state programs together with state-specific rules and interactions.
Model an ABLE match program.
The Employer ROI Calculator estimates match cost, retention lift, and payback period for a workforce ABLE match.
Evidence dashboards and state-year data.
Cross-state adoption panels, contribution trends, and evidence-based estimates of ABLE program effects.
Three questions. Two tools.
The Guided Navigator asks about your role and goal, then routes to the two most-relevant tools with cross-references.
The full toolkit, grouped by what it does.
Real-time interactive apps. Each tab below opens one cluster.
Real-time models. Move a slider, watch every panel update. Installable as Progressive Web Apps.
ABLE Simulator
All-in-one for individuals and families. Eligibility, benefits, 25-year growth, employer match, QDE budget on one screen.
Benefits Simulator
Beyond ABLE. Models 25 federal and state programs together with state-specific rules and interaction logic.
Employer ROI
Cost, retention effect, break-even employees, and payback of an employer-sponsored ABLE match.
529-to-ABLE Rollover
Move college 529 savings into an ABLE account? Models tax impact, SSI protection, and use flexibility.
Paycheck Split Optimizer
How to route your direct deposit between ABLE, checking, and emergency reserve to stay SSI-safe.
SNT vs ABLE
Should you use a Special Needs Trust, an ABLE account, or both? 5-question wizard with comparison.
State plans, waivers, and referral network on interactive US tile maps. Filter, sort, drill down.
State Tracker
Every state ABLE plan on a US map. Color by fee, Medicaid cap, tax deduction, enrollment growth, or legislation.
HCBS Waivers Map
1915(c) Medicaid waivers by state with waitlist status and services covered. IDD, brain injury, aging.
Referral Network
Local WIPA CWIC, VR, Protection & Advocacy, CILs, DD Councils. Filter by help type.
Tools for the workflow of a benefits counselor, VR staff, WIPA CWIC, or case manager.
Counselor Studio
Live 6-part session console. Client roster, per-section timer, client-facing screen-share, auto-drafted follow-up email.
Navigator
Three-question wizard on role and goal, then routes to the top two most-relevant tools.
Eligibility Explorer
Five-step walk-through. Returns an installation-ready application summary. Installable on a phone.
Look up a rule, compare plans, decide whether an expense qualifies. Fast, sortable, filterable.
Plan Comparator
All 51 jurisdictions. Sortable fees, features, residency. Side-by-side four-plan compare drawer.
QDE Search
Over 100 common expenses tagged qualified, gray area, or not qualified with documentation notes.
Basics guide
Plain-language reference on how ABLE accounts work at an eighth-grade reading level.
Videos, one-page briefs for family and employer audiences, life-stage planning.
Video Library
Five sentence-timed animated explainers with natural neural-voice narration. Embeddable, downloadable.
Life Transitions Guide
How ABLE strategy shifts across youth transition, first job, marriage, aging parent, retirement.
Myths & Facts
Persistent misconceptions corrected with federal rule citations and plain-language guidance.
Family Brief
Printable one-page brief for family members. Kitchen-table planning starter.
Employer Brief
Talking points, tax treatment, and program-design template for HR and benefits leads.
Dashboards for state agencies and researchers. Impact modeling for policymakers. Developer resources.
Evidence Dashboard
Data-driven estimates of ABLE Act effects on disposable income, wages, employment, asset building.
State-Year Data
Adoption, contributions, average balance by state and year. Downloadable panel data.
Impact Calculator
Model the impact of age expansion for a state or congressional district.
Employer Partners
Three-tier sponsorship framework for non-federal matched-contribution partnerships.
Announcement Generator
Drafts open-enrollment email, intranet post, benefits-fair talking points, ERG briefing, Slack post.
Payee & Guardian Toolkit
Interactive checklist for representative payees, guardians, and family helpers.
Developer API
JSON endpoints for ABLE eligibility rules, state plan fees, QDE tags, and interaction rules.
The tools rest on data. Not opinions.
Every default in every tool is grounded in current research on the ABLE Act's effects. RISEI Lab produced the first empirical population-level analysis of the Act using a modern staggered-treatment design.