Instead of
“Where did my money go last month?”
Category charts, guilt loops, and receipts you already can’t change.
Know your money's future
before you decide.
Every paycheck, bill, and habit — mapped day by day, weeks and
months ahead. So answers are there before you need them.Every paycheck, bill, and habit — mapped day by day, weeks and months ahead.
So answers are there before you need them.
The questions it answers
If I pick up that shift trade, does the week still work?
Can we afford a trip to Costco this weekend?
Should I wait until payday, or is today fine?
What Horizon is
A forecast, not a ledger.
Most money apps grade the past. Horizon quietly draws the road ahead — so the answer to “can I afford this?” arrives before the purchase, not the regret.
Horizon answers
“Where will my money be the day rent hits?”
A daily balance line for the next 90 days — grounded in the paychecks, bills, and habits you already know.
Our promise
Money is stressful enough. Understanding it shouldn’t be.
Four commitments that shape every screen, every default, and every word inside Horizon.
Promise 01
Horizon looks ahead, not behind.
Horizon is a forecast, not a verdict. It doesn't sort your past or grade yesterday. It reads what's on your calendar and shows you what comes next — so you can step forward with a little more clarity.
Promise 02
Your money stays under your control.
Horizon reads the plan you give it and shows you possible futures. It doesn't move, hold, or touch a dollar. You're the only one who decides what happens next.
Promise 03
Your information belongs to you.
Local-first by default — your data stays on your device unless you turn on the optional backup. You control what's connected, where it's stored, and who can see it. It's yours, full stop.
Promise 04
We'll earn your trust.
No ads, no hidden agendas, no hidden tricks. If we offer optional bank connections or paid features later, they'll be clearly explained and strictly opt-in. Trust is something we plan to build, not assume.
Notes from the founder
Built by someone who’s been there.
We’re pre-beta, so we won’t invent user quotes. Here’s the honest version — the tensions that shaped Horizon, in the founder’s own words.
Why forecasting
The question that started all of this was simple: “How much money am I going to have between now and my next paycheck?” Every decision I made came back to that one question.
Why tomorrow
I didn’t build Horizon to tell people what they should have done yesterday. I built it to help them make a better decision today because they can finally see tomorrow.
Why variable income
Most tools assume a paycheck lands the same day for the same amount. That’s not most of us. Shift workers, hourly staff, gig drivers, benefits recipients — Horizon models the rhythm you actually live.
Common questions
A few things people ask first.
Short, honest answers to the questions that come up most before signing up.
What is Horizon?
Horizon is financial forecasting for your money. It projects every paycheck, bill, and one-off purchase forward so you can see your daily checking and savings balances weeks and months ahead — before you decide.How is it different from a budgeting app?
Horizon looks forward and answers a single question: if I make this decision today, what happens to my balance next week, next month, or the morning of the 14th? No categories to keep up, just a clear picture of what's ahead.What can I actually do inside?
Four calm surfaces. Today gives you a one-glance briefing. Horizon shows your balance day by day. Check simulates any purchase against your future. Alternate Horizon lets you explore what-ifs without touching your real plan.Where does my data live?
On your device by default — Horizon is local-first. If you turn on the optional backup, it syncs privately across your devices, and you can remove it anytime.Do I have to connect my bank?
No. Horizon works entirely from what you tell it — income, bills, habits, starting balance. If optional bank connections ever arrive, they'll be strictly opt-in and announced in the app first.How do my balances stay accurate?
You refresh them when you want a truer picture — a quick tap on the balances row on Today, type the numbers from your bank, and the forecast resettles around them. Horizon quietly notes when the numbers are more than a day old so a big decision never runs on stale math. If optional bank connections ever arrive to auto-refresh balances, they'll be strictly opt-in.Can Horizon handle more than one income?
Yes — as many as you actually have. A biweekly paycheck, a partner's monthly salary, a weekend shift job, rideshare payouts, a pension, Social Security or SSDI, a quarterly commission. Each income keeps its own rhythm, and Horizon adds them all into one forecast so a household with two very different pay cycles still sees a single, honest picture of what's ahead.Which regions does Horizon support?
United States (USD), Canada (CAD), and the Eurozone (EUR) during beta. Income types, common bills, and payment plans are tuned to each region so the setup feels native, not translated.Can I try it without my real numbers?
Yes. Pick a sample life from the welcome screen and Horizon loads a realistic forecast tuned to your region. Explore Today, Horizon, Check, and Alternate Horizon before you commit a single number of your own.Is Horizon free?
Yes — free during the public beta. If a paid plan ever arrives, beta users will hear about it first and be given a fair path forward. Anything paid will be announced clearly before it starts.
Open Horizon
Open HorizonSee tomorrow before it gets here.
A quiet thank-you
Know somewhere Horizon belongs?
Know an organization that would genuinely benefit from Horizon? Introduce us. If it leads somewhere meaningful, we’ll make sure to thank you.
Later on
Interested in becoming a Horizon Partner?
We’re building a small network of people who believe in financial forecasting and want to introduce Horizon to the communities they already know. We’ll provide the training. You choose the pace.