Financial freedom on the Horizon. Spend less time working out when you will retire, to leave you more time thinking about where. Answer four questions: your age, what you'll spend each year once you stop working, what you've invested so far and what you add each month. Horizon shows you the month you could be financially free, the age you'll be, and your number: the portfolio that pays for your life. A SKY THAT RISES WITH YOU Your home screen is a sky that brightens from night to gold as you climb toward your number. The line on the hill is your own projection, from where you stand today to the sun on the summit. THE ROAD AHEAD Every milestone on the way, dated: Coast FIRE, a quarter of the way, halfway, Lean FIRE, financial independence and Fat FIRE. LOG WHAT YOU INVEST Log a contribution in seconds and watch your date move. This month shows what you've invested against your plan and what's left to go. Update balances when markets move, and see what you put in apart from what markets added. EVERY ACCOUNT IN ONE PLACE Pensions, 401(k)s and IRAs, ISAs and Roth IRAs, brokerage accounts, savings, property and crypto, each with its own balance history. Leave out anything you won't live off, like the home you live in. TRY IT BEFORE YOU LIVE IT • Plan tuner: drag what you invest and what you'll spend, and watch the date move. • Projection: your portfolio year by year, through retirement. • Scenarios: Lean, regular, Fat and Barista FIRE side by side. • What If: invest more, add a one-off sum, spend less, or stop at the age you choose. • Coast FIRE: what you need invested today to stop saving and still get there. • Will it last?: test your plan against 1,000 random markets, good and bad. • Savings rate: see how the share of your pay you invest sets the pace. IN TODAY'S MONEY Every figure is adjusted for inflation, so a million means what a million means now. Set your own expected return, inflation, withdrawal rate and retirement age. FIRE COACH Ask about your plan, or about FIRE, with a private AI that runs on your device. GUIDES Short reads on the 4% rule, Coast FIRE, your savings rate, sequence of returns risk, fees, which accounts to fill first and bridging the gap to pension age. STAY ON TRACK A monthly nudge around payday, a recap on the 1st, streaks and badges, and new app icons as you reach each milestone. Share your progress on a card that shows only what you choose. WIDGETS AND SIRI See your date and how close you are on your Home Screen and Lock Screen. Ask Siri "When can I retire?", or log a contribution without opening the app. PRIVATE BY DESIGN No sign-up. No bank logins. Your accounts stay on your iPhone unless you turn on iCloud sync, in your own private iCloud, never on our servers. Lock the app with Face ID and export your history to CSV any time. Works in every world currency. FREE TO START Your date and your number, up to 3 accounts, contribution logging, the road ahead, Coast FIRE, Savings rate, progress, net worth, guides, reminders, badges and a Home Screen widget, free. HORIZON PRO A subscription unlocks: • Unlimited accounts • Projection, Scenarios, What If and Will it last? • FIRE Coach (requires Apple Intelligence on a supported device) • Your investment history, month by month • Lock Screen and larger widgets, and logging with Siri • Face ID lock, iCloud sync and CSV export • Every app icon Horizon is a planning tool, not financial advice. Its projections use the assumptions you set, and real markets go up and down. Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://horizonretirementcalculator.wordpress.com/
Finance · iPhone, iPad · Free
