Financial forecasting

See where your money is heading

Horizons projects your net worth, cash flow, and retirement readiness month by month for up to 80 years — powered by a 24-factor correlated Monte Carlo engine.

Start Free View Pricing

Free plan includes 10-year forecasts + 100 Monte Carlo trials. No credit card required.

A net-worth forecast shown as a widening fan of probability bands — 5th-percentile worst case, median plan, and 95th-percentile upside — across an 80-year horizon, rather than a single line.

Every forecast is a range of futures — p5 worst case, p50 plan, p95 upside — across 2,000 correlated market scenarios.

80 years

Forecast horizon

2,000

Monte Carlo trials

Correlated market factors

< 5s

Full simulation time

Guided walkthrough

Walk 20 years of your plan in 5 minutes

Not sure where to start? The Guided Walkthrough steps you through your next two decades month by month — market dips, job changes, home purchases, and retirement decisions — so you can see exactly how each choice shapes your net worth.

Answer a handful of quick questions — the engine does the modeling
See each life event play out on a live forecast chart
Skip ahead, replay a year, or save your final plan as a starting point

Try the walkthrough free

Available on the free plan. No credit card required.

Your walkthrough

Year 7 of 20

Life event

Your company offers a 15% raise to relocate. Do you accept?

Accept the offer+$142K @ 65

Stay put, negotiate+$68K @ 65

Net worth projection$1.42M

Next event

Capabilities

Everything you need to plan with confidence

From daily budgeting to 80-year retirement projections, Horizons gives you the tools professional advisors use — at a fraction of the cost.

Balance Sheet

See your complete financial picture — assets, liabilities, and net worth — in one consolidated view.

Monthly Budget

Track income and expenses with a structured budget that feeds directly into your long-term forecast.

Deterministic Forecasting

Project your finances month by month for up to 80 years — every calculation accounts for inflation, returns, and debt.

Monte Carlo Simulation

Stress-test your plan across 2,000 correlated market scenarios with our 24-factor model.

Life Event Planning

Model home purchases, education funding, career changes, and retirement — see how each shapes your future.

What-If Scenarios

Compare retirement timelines, savings rates, and allocation strategies side by side with interactive sliders.

Retirement Suite

Social Security optimization, Roth conversions, tax-loss harvesting, and withdrawal strategy — all in one place.

Goal Tracking

Set financial goals and track probability of success with Monte Carlo scoring.

Plan of Record

Save your financial plan decisions and see how they compound across your entire projection.

Free Learn Center — no signup required

Build your playbook before you build your plan

Plain-English articles for every concept Horizons models — from compound growth to AMT. Read freely, then come back when you're ready to put it to work.

Foundations