Financial Forecasting for shift workers
The only forecast built for people whose paycheck isn't the same twice.
Patterns Horizon speaks natively
24 on · 48 off
Fire, EMS
48 on · 96 off
Fire (Cal-Fire, LA)
Kelly (9-day)
Fire
3 twelves
Nurses, ICU, ER
4-on · 4-off
Warehouse, plants
Panama (2-2-3)
Refineries, security
Self-scheduled
Per-diem, PRN, travel
Split shifts
Hospitality, transit
Built with the people who actually work them.
Nurses
Three twelves, weekend differentials, picked-up shifts, and the paycheck that lands eleven days later.
Firefighters & EMS
24/48, Kelly cycles, overtime by the hour — Horizon reads the pattern and projects forward.
Hospitality
Tips reported nightly, hours that shift with the season, split shifts, and the surprise week you got cut.
Rideshare & delivery
Weekly payouts that swing with demand — modelled honestly with a low, likely, and high band.
Warehouse & plants
4-on-4-off, Panama, DuPont — steady rhythm, uneven pay periods, holiday premiums accounted for.
One honest answer, before the swipe.
- Next paycheck, projected. Reads your rotation and lands the date, the hours, and the take-home — not a "monthly average."
- Picked-up shifts, trades, PTO. Add a shift you grabbed for a friend and the whole forecast resettles in a heartbeat.
- Can I say yes? A single Check answers the concert, the couch, the daycare deposit — against your lowest future balance, not today's.
- Local-first, no bank required. Works from what you tell it. Optional encrypted backup when you want it across devices.
Free during beta. Quiet by design.
Set up your rotation once. Horizon carries it forward — through overtime, the holiday premium, the week you got cut, and the week you picked up two.