01
One spreadsheet
Income in, bills out, formulas doing the math. The list ran down the page, but the answer lived in the boxes off to the side — each one showing the lowest the balance would get before the next paycheck, and the one after that.
Why it exists
It started as a spreadsheet.
For nearly seven years, I opened it almost every single day — not to see where the money went, but how low it would get before the next paycheck.
The years behind the forecast.
02
The turning point
The math worked. But one spreadsheet only helps the person willing to keep it, and most people who need the answer will never open one.
03
Horizon Runway
The same answer the spreadsheet gave, without the spreadsheet. Every rhythm of getting paid, a comfort line you name yourself, and a purchase you can try before you make it.
This is what the boxes off to the side became.
A sample forecast
Tightest day
$2,485
Sat, Sep 12
Change something about the month
1 change on
Money out
Money in
Timing
- Replace the laptop: $1,600 for the machine the work runs on. Starts Sep 10.
Your lowest point, $2,485, lands $2,015 below your comfort line.
What it does
It answers the question you’re already asking.
Can I afford the trip in March? If I drop a shift, does anything break? Wait until payday, or is today fine?
For real paychecks
Variable income, on its own rhythm
Shifts, commission, gig payouts, benefits, pensions, or a mix. Each keeps its own rhythm.
Before you decide
Decision Mode
Weigh a purchase against the year ahead in one tap. See the dip, and the recovery.
Before you worry
A comfort line you name yourself
Name the lowest balance that still feels okay. Horizon Runway watches it and tells you straight.
For what comes next
Savings goals with a date
Name the goal and target when you plan a savings transfer. Horizon Runway projects when those transfers could get you there.
Before you trust it
Fair questions before you type in a number.
What can Horizon Runway actually do with my money?
Nothing. There's no bank login, so Horizon Runway can't move money, hold money, or reach an account. You enter what you already know, and it does the math.How does Horizon Runway make money?
Plus subscriptions, and nothing else. No ads, no commission for pointing you at a credit card or a loan. If you never pay, the forecast still works — that isn't a trial.Where does my financial information live?
On your device by default. Cloud sync is optional — one encrypted copy, deletable from Settings any time. We never sell your data.Can I take my forecast with me?
Yes. Save a copy from Settings any time. Your forecast is a plain file, so nothing you've entered is locked inside the app.
If you've ever done that math on a Sunday night, this was built for you.