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.
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.
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.
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.
No card. Nothing to cancel. The trial ends on its own.