Horizon

Horizon is a financial planner that shows when you could reach financial independence, across every account and currency you hold. Core capabilities: • Project your financial independence date from your savings, income, and spending • Combine accounts in any country and currency into one view at daily exchange rates • Adjust spending and watch your date update in real time • Test raises, bonuses, and relocations before committing • Stress-test your plan against 500 simulated markets with Pro • Replay past crashes such as 2008 and COVID on your own numbers • Get guidance from Hector, a guide that builds your plan from a plain-language description. Horizon turns long-term planning into a live, interactive model. You describe your situation in your own words, and Hector builds a first plan in minutes. From there, every change you make, whether it is a new salary, a lower spending target, or a move to another country, recalculates your projection immediately. The model keeps every account in one picture, so you can see how currency swings and different tax residencies affect the date you could stop working. Pro adds a probability layer. Instead of a single projected date, you see your chance of success across 500 simulated market paths, and you can replay historical downturns against your actual portfolio to see how long recovery would take. Each recommendation links back to the numbers behind it, so you can check the reasoning before you act. Built for expats, globally mobile professionals, and multi-currency investors who need one clear view of their finances. Use Horizon to compare retirement timelines, plan around a career move, or decide whether a major purchase fits your goals.