See where today's decisions land decades from now, and adjust the course while it still costs you nothing.
Track everything. Ask anything.
Small choices this month compound into a very different decade.
Drop any milestone into your plan — from a second child to an unexpected windfall — and watch the path bend.
Starting over
Buying a home
Getting married
Retiring
Growing a family
Renovating
Get a straight answer to the money question you've been circling for months.
See how people at every stage use Horizon — building savings, starting a family, or working out what's next.
From raises to relocations to retirement, ask the money questions you keep postponing.
You can carry a $690K home in your city, though it thins your cash cushion for about three years. After the down payment, closing costs, and the ongoing mortgage, taxes, and insurance, the long plan still holds — just with less margin.
A plain summary of what a big life change actually costs you across the whole plan.
Watch the curve move in real time as you add milestones or change an assumption.
Practical, planner-reviewed suggestions you can apply to your plan in a couple of taps.
An instant read on net worth and cash flow, built from your finances today and your goals for later.
Across the simulations, you meet or beat your target net worth in 82 out of 100 runs.
Most outcomes cluster near $840,000, which makes the median a fair read on where you're likely to land.
Your investment and retirement accounts grow at 4.4% per year after inflation over the next 21 years.
Horizon reads the accounts you've connected and projects them forward — showing how life events, spending shifts, and income changes ripple through your long-term finances. It pairs your real balances with standard modelling techniques, including Monte Carlo simulation, to estimate net worth, cash flow, and retirement readiness over time.
Add an event like a home purchase, a career change, or a new child and watch the effect. Horizon also accounts for taxes, inflation, investment growth, and public benefits, so you see a range of outcomes and an estimated probability of success rather than a single flattering number.
Join 118,400 members for $2 your first year.