Household budgeting and cash-flow forecasting, in English and French.
A spreadsheet tells you what happened. Horizon tells you what happens next.
Envelope budgeting with a daily cash-flow forecast: your pay, your rent, the card payment and every subscription, projected forward to the date you actually care about.
Your bank credentials never exist here. Horizon reads the statement your bank already lets you download — which is also why it is $5 rather than $15.
No card. Nothing to cancel. The trial ends on its own.
a month for the whole household ledger, projected forward.
of trial with no card to enter and nothing to cancel.
all the way down — every page, every refusal, every export.
you can leave with: seven CSVs and a complete JSON backup.
Your bank credentials never exist here
Horizon reads the statement your bank already lets you download. There is nothing to leak, nothing to revoke, and nothing to re-authorise every ninety days.
Bank aggregation is bought rather than built, at somewhere between thirty cents and a dollar fifty per connected account per month. A household with eight accounts is a recurring bill before a single line of code has run, and that bill is what sets the price of every budgeting app that offers it. Horizon does not pay it, which is why five dollars is enough.
Your bank already offers the file — CSV, QIF, OFX or QFX — and Horizon reads all four. RBC and Desjardins downloads are recognised on sight. Any other bank's file is asked about once, and then remembered.
The security half matters as much as the price. There is no stored credential here that could reach your money, because there is nowhere in Horizon for one to live.
The part nothing else in this price range does
The forecast is what the name means
Horizon projects your balance forward one day at a time, as far ahead as you want to look.
The curve is built from recurring rules — your pay, the rent, the hydro bill, the subscriptions — plus whatever is already scheduled and whatever you want to try out. A rule stores the pattern rather than the occurrences, so nothing is written into your ledger on a guess. Reality still only ever arrives from a statement.
It steps where a statement would step. Interest posts once a month against the balance carried into that day, which is why a credit card at 19% looks like a credit card at 19% instead of a flat line. A card cleared before the posting day is charged nothing, which is roughly what a grace period does.
The chart names the day you go under, if you go under, rather than telling you the month looks tight. That date is usually the entire question you arrived with.
Money you have actually scheduled and money you merely intend to spend are two separate columns, because they deserve different amounts of trust and the page never quietly adds them together.
One row per day, and you can take it with you. Export the window you are looking at and every day comes out with its date, whether it is recorded or projected, that day's change and the running balance.
Growth is a separate projection over years rather than months. It stacks what you paid in against what it earned, so you can see the month interest overtakes your contributions.
What it actually looks like
Screenshots of the running app, not a mock-up
Every picture below was taken from the product against a demo household, in the language you are reading and in whichever theme your device asked for. Nothing here is a drawing of a feature that does not exist yet.
Give every dollar a job, then see what is left on any day of the month
Envelope figures are folded out of the months behind them every time you look, so a receipt entered three weeks late lands in the month it belongs to and everything downstream moves with it.
- Recurring rules count in the plan, because rent is a commitment whether or not you remembered to budget for it.
- An envelope can carry what it did not spend into next month, or start clean — a marked row tells you which, and one dialog holds everything you can do to it.
- Nothing is ever moved on your behalf. Horizon asks.
One ledger, split as finely as the receipt was
A grocery run that was half food and half a birthday present is one transaction with two categories, in whole cents that always add back to the total.
- A transfer between your own accounts is a single record rather than two rows you have to keep in step.
- Transfers stay out of the spending reports, where they would otherwise count the same money twice.
- Filter by account, category, date or text — and export exactly what you filtered.
The avalanche, plus the question an avalanche cannot ask
Keep every required minimum, send everything left over at the highest rate — and then check whether the balance is sitting on the right account at all.
- Ten thousand dollars at 19.99% beside an untouched line of credit at 5.45% costs about $1,600 a year for no reason except where it happens to sit.
- The plan shows the payoff date and the interest saved against paying minimums alone, and says so plainly when it cannot compute that saving honestly.
- Previewing a plan writes nothing and schedules nothing.
Units, average cost, and both kinds of gain
Your position is replayed from your own trade ledger rather than stored as a number, so correcting a trade from years ago corrects everything downstream of it.
- Daily closing prices from public sources, refreshed once a day, best effort — not a live ticker.
- Net-worth history reaches back as far as your own records do.
- Monarch and Copilot charge about fifteen dollars a month for this. YNAB does not do it at all.
A month that has to add up, and a year you can compare against
The cash-flow diagram shows where a month's money came from and where it went, and whatever went unspent is drawn as its own node — so the picture adds up instead of nearly adding up.
- Spending over time puts each month beside itself, with the month still running marked as partial rather than quietly short.
- Seven CSV files and a complete JSON backup are yours whenever you want them, on any plan including a lapsed one.
- Written so a spreadsheet opens them without a wizard.
What is in Horizon
All of this is in the five-dollar plan. Nothing below is held back for an upgrade.
Envelope budgeting
Give every dollar a job for the month, then see what is left in each envelope on any day of it.
Envelope figures are folded out of the months behind them every time you look, so a receipt entered three weeks late lands in the month it belongs to and everything downstream moves with it. The plan counts your recurring rules as well as the lines you typed, because rent is a commitment whether or not you remembered to budget for it. Nothing is ever moved on your behalf — Horizon asks.
Transactions, splits and transfers
A grocery run that was half food and half a birthday present is one transaction with two categories.
Split a purchase across as many categories as it really covers, in whole cents that always add back to the total. A transfer between your own accounts is a single record rather than two rows you have to keep in step, and it stays out of the spending reports, where it would otherwise count the same money twice.
Import from your bank's own file
CSV, QIF, OFX and QFX, with presets for RBC and Desjardins.
The Desjardins export ships with no header row at all, so its preset recognises the file by the shape of its columns rather than their names. Any other bank's file is asked about once — which column is the date, which is the amount — and remembered for next time. An unfamiliar file is never refused, only asked about.
A debt reduction planner
Pick the debts, keep every required minimum, and send everything left over at the highest rate.
The plan shows the payoff date and the interest saved against paying minimums alone, and when it cannot compute that saving honestly it says so rather than inventing one. It also asks the question an avalanche cannot: whether the balance is on the right account at all. Ten thousand dollars at 19.99% beside an untouched line of credit at 5.45% costs about $1,600 a year for no reason except where it happens to sit. Previewing a plan writes nothing and schedules nothing.
Investments, holdings and net worth
Units, average cost, both kinds of gain, and a net-worth history that reaches back as far as your records do.
Prices are daily closing prices from public sources, refreshed once a day, best effort — not a live ticker. Your position is replayed from your own trade ledger rather than stored as a number, so correcting a trade from years ago corrects everything downstream of it. Monarch and Copilot charge about fifteen dollars a month for this. YNAB does not do it at all.
Two reports, seven exports and a full backup
A monthly cash-flow diagram that has to balance, and spending over time with the month still running marked as partial.
The cash-flow diagram shows where a month's money came from and where it went, and whatever went unspent is drawn as its own node, so the picture adds up instead of nearly adding up. Spending over time puts each month beside itself, so an unusual month is a taller bar rather than a number you have to remember. Seven CSV files and a complete JSON backup are yours whenever you want them, written so a spreadsheet opens them without a wizard.
One household, two people
Invite the person you share money with and you are both looking at the same books.
The same accounts, the same budget and the same forecast, with neither of you working from a copy that drifted. Every query in Horizon is scoped to one household, so there is no view anywhere that crosses out of yours into somebody else's.
English and French, all the way down
Two full versions of the product, not an English one with a translation layer bolted on.
Every page, every error message and every exported file exists in both languages, and you can switch without reloading the app. The two catalogues are checked against each other before anything ships, because a page that is right in one language and wrong in the other is worse than a page that is missing.
The trading sandbox, the bring-your-own-key advisor and the assistant tools are in Horizon Pro.
On a phone
There is an iPhone app, and this is what it looks like
A native SwiftUI client in the same two languages, reading the same household as the browser.
Four tabs: the three that get looked at — the outlook, the transactions, the budget month — and More for the things that get set up. The outlook opens on today's cash, the projected figure, the lowest point the forecast reaches and the date you go under, with the next seven days under it.
Reads are cached, so a phone with no signal shows what it last saw and tells you when it saw it. A refusal and an outage are not the same answer, and the app says which one it got rather than showing you an empty screen and letting you guess.
The web app is also built for a phone screen and can be added to your home screen like any other app, which is what most people use today.
- Add, edit and delete a transaction, split it across categories, and record a transfer between your own accounts.
- The budget month with a spending pie and figures you can change in place.
- The whole cash-flow curve, the recurring rules, account detail and an overdue plan you can confirm from the row.
- Theme per device, language per account, and an optional Face ID lock.
The iPhone app is still in development
It is not on the App Store yet, so today your subscription gets you the web app — which is built for a phone screen and adds to your home screen like any other app. The native client is in active development, and this page will say so the day it can be installed.
Horizon does not nag. No push alerts, no daily digest, no nudges about a category you overspent — you open it when you want to know where you stand.
Horizon Pro
Three things that exist nowhere else at this price
Three things you will not find in a five-dollar budgeting app — or, as far as we know, in a fifteen-dollar one.
A paper trading sandbox
Simulated money, real prices, and bots that have to ask before they do anything.
Build a paper portfolio and run a strategy against it with money that does not exist. Nothing here reaches a broker and nothing here can spend a dollar of yours: there is no live trading in Horizon, and the word for what this is, is paper.
- A bot never places an order without first writing down what it wants to do and why. That proposal is the thing you approve, and the thing every limit is checked against.
- Even a bot set to act on its own writes the proposal first, so there is always a record of what it was reasoning from rather than a fill that appeared out of nowhere.
- A paper portfolio's results never touch your net worth. A simulation that could move a household total would not be a simulation.
A trade you actually made at your own broker can still be recorded in Horizon by hand, the way any other holding is. That is a ledger entry, not an order.
An advisor that bills you, not us
Bring your own Anthropic or OpenAI key. You pay that vendor directly, at their price, and Horizon never marks it up.
This is unusual enough that it is worth saying plainly: there is no model cost bundled into the twelve dollars, and there is no margin taken on top of one. You paste in a key, it is sealed before it is stored, and the calls it makes appear on your bill from that vendor and nowhere else.
- Every call is written down before it can surprise you — which model, at what effort, how many tokens, and what the rates were at the moment it ran.
- What a call cost is arithmetic over what was recorded that day. A vendor changing a price tomorrow does not quietly restate a month that has already happened.
- A model's answer is a proposal, not an order. The symbol, the direction, the position and the stake are all re-checked before anything is written, because a bot that simply trusted the answer would be a bot with your whole account.
- An advisor bot without a lifetime stake does not run at all, and what it has already spent is replayed from its own fills rather than kept as a running total that no screen could contradict.
There is a daily ceiling on how many calls a bot may make. It is enforced before the call rather than after, and a refusal or a timeout counts against it, because those are billed too.
Ask an assistant about your own budget
Horizon runs an MCP server. Mint a token under Connected apps, hand it to Claude, and ask questions in your own words.
Nothing else in this category does this. The reading tools answer out of the same services the pages themselves use, so an assistant cannot quietly disagree with what is on your screen.
- What did we spend on groceries this summer, compared with last summer?
- How much is scheduled to leave the chequing account before the fifteenth?
- Does the forecast go under zero at any point in the next ninety days?
- The tools take no household identifier at all. The household comes off the token, which is why an assistant cannot be talked into reading somebody else's books.
- A token carries only the scopes you gave it: reading your figures, or acting on a paper portfolio. You can revoke it in a moment and every tool it reached stops answering.
- The trading tools name no broker — no provider, no connection, no gateway, and not a venue's own error text either.
A token is something you mint deliberately and can revoke at any time. Horizon does not connect an assistant to your books on your behalf.
Two plans, both with a 30-day trial
Both plans are billed monthly or yearly. The yearly price is two months off, which is the only discount on this page.
Horizon
The whole household ledger, forecast forward.
$50 per year — Paying by the year is two months off.
For a household that wants to know what the next six months look like before they arrive.
Everything on this page except the Pro sections:
- Envelope budgeting, with recurring rules counted in the plan.
- The daily cash-flow forecast and the years-long growth projection.
- The debt reduction planner, including the cheaper-credit check.
- Transactions with splits and transfers between your own accounts.
- Import from CSV, QIF, OFX and QFX, with RBC and Desjardins presets.
- Investments and holdings with daily closing prices and net-worth history.
- Two reports, seven CSV exports and a complete JSON backup.
- Household sharing with a partner, and the whole product in English and French.
Horizon Pro
Everything in Horizon, plus three things nothing else in this category has.
$120 per year — Paying by the year is two months off.
For somebody who wants to test a strategy with money that does not exist, bring their own model key, or let an assistant read their own books.
Everything in Horizon, and then:
- A paper trading sandbox with bots, in simulated money.
- An AI advisor that runs on your own Anthropic or OpenAI key.
- An MCP server, so an assistant you already use can answer questions about your own budget.
About the figures on each plan
Each plan carries limits — how many accounts, how many holdings, how much history. They are abuse ceilings, not pricing levers. No household we have met is anywhere near them, and they exist so that one person cannot fill up the database everybody else is using.
| Limit | Horizon | Horizon Pro |
|---|---|---|
| Accounts | 40 | 250 |
| Holdings | 25 | 500 |
| People in the household | 6 | 10 |
| Categories | 200 | 500 |
| Recurring items | 200 | 500 |
| Connected apps | Not included | 5 |
| Paper portfolios | Not included | 3 |
| Bots | Not included | 5 |
The figures shown here are read from the running product rather than typed onto this page, so this page cannot promise you one number while the server enforces another.
Thirty days, no card
Every account starts with a 30-day trial of the plan you picked. There is no card to enter, no billing details to give and nothing to cancel. If you decide it is not for you, do nothing at all and it ends.
What happens if you stop paying
The household goes read-only. You can still open every page, read every figure and take everything with you — seven CSV files and a full JSON backup — for as long as the account exists. Nothing is ever deleted for not paying. That is not a grace period with a countdown behind it; it is the arrangement.
What the alternatives cost
At the time of writing, YNAB is $14.99 a month, Monarch is $14.99 and Copilot is $7.92 — all in US dollars, and all paying an aggregator between thirty cents and a dollar fifty for every connected account, every month. That has to come from somewhere. Horizon is five Canadian dollars because you bring the statement yourself. The table below sets them side by side, annual prices included.
How Horizon compares
Five dollars, and the one thing none of them does
Prices checked in September 2026. Everything in Horizon's column is a feature you can open today — the screenshots further up this page are of it running.
| What it does | Horizon | YNAB | Monarch | Copilot |
|---|---|---|---|---|
| Monthly | $5 CAD | $14.99 USD | $14.99 USD | $7.92 USD |
| Yearly | $50 CAD | $109 USD | $99.99 USD | $95 USD |
| Trial | 30 days, no card | 34 days, no card | 7 days | 1 month |
| Daily cash-flow forecast, naming the date you go below zero | Yes | No | Not published | Not published |
| Works without ever holding a bank credential | Yes | No | No | No |
| Automatic bank sync | No | Yes | Yes | Yes |
| Fully bilingual, English and French | Yes | Not published | Not published | Not published |
| Seven CSV exports and a complete JSON backup | Yes | Not published | Not published | Not published |
Horizon is priced in Canadian dollars; the others publish in US dollars. At the time of writing that makes the gap wider than the table suggests, not narrower.
“Not published” means exactly that: the vendor's own pages did not say, and we would rather leave a cell empty than guess at somebody else's product.
The honest summary: if you want your bank to connect itself, the other three do that and Horizon does not. If you want to know what your balance will be on the fifteenth of next month, that is the column Horizon is in on its own.
Worth knowing before you start
How Horizon works today
A short list, because the trial is thirty days and you should not spend the first one discovering something we could have told you.
You bring the statement.
Horizon reads the file your bank already offers rather than holding a credential that could reach your money. A few minutes a month, and the single reason this costs five dollars instead of fifteen.
One currency per household, for now.
Horizon keeps a household's books in one currency and does not convert between them yet. If your accounts and holdings span two, that is worth knowing before a trial rather than during one.
Support is a reply from the person who wrote the code.
No tiers, no ticket number and no script — an answer from somebody who can actually change the thing you are asking about. Canadian hours.
And every screenshot on this page is the running product, photographed in the language you are reading it in.
Questions people actually ask
Is bank sync included?
Bank sync is not part of the five-dollar plan, and that is a pricing decision rather than a technical one: aggregation costs real money for every connected account, every month, and building it into the base price would mean charging every household for something only some of them want. Anything that changes here will be said on this page first, in plain terms, before anyone is charged for it.
Which banks can I import from?
Any bank that lets you download a statement, which in Canada and the United States is effectively all of them. RBC and Desjardins downloads are recognised on sight. Everything else is one short question about which column means what, and then it is remembered.
What happens when the trial ends?
The household goes read-only. Every page still opens, every figure is still there, and the exports still work — seven CSV files and a full JSON backup, for as long as the account exists. Nothing is deleted for not paying.
Where can I buy it, and in what currency?
Canada and the United States. A household keeps its books in one currency and Horizon does not convert between them yet, so if your accounts span two that is worth knowing up front.
Do I need Horizon Pro?
No. Budgeting, the forecast, the debt planner, importing, investments, the reports and the exports are all in the five-dollar plan. Pro adds the paper trading sandbox, the bring-your-own-key advisor and the MCP server.
Who else can see my data?
Nobody is sold it, nobody advertises against it and there is no analytics business on the other side of this. It is run by one person, who can reach the database in order to keep it running — that is the honest shape of any small service, and the privacy page says so in the same words. The only thing that ever leaves is what you deliberately send to a model provider with your own key, and every one of those calls is written down where you can read it.
Who is building this?
Support is a real reply from the person who wrote the code — no tiers, no ticket number, no script. That is usually faster than a queue, and it means the person answering can change the thing you are asking about.
What if I want to leave?
Take everything with you. Seven CSV files and a complete JSON backup, on any plan including a lapsed one, with no export fee and no waiting period. Deleting the household outright is also something you can do yourself, and it is the one action in the product that cannot be undone.
Thirty days, no card, nothing to cancel.
If a forecast is the thing you have been trying to fake in a spreadsheet, you will know inside a week.
If it turns out not to be for you, do nothing. The trial ends by itself and there is nothing to cancel.