Pricing
Simple, transparent pricing
Start free, upgrade to Basic when you need the full engine, step up to Pro for advanced tax and estate planning. No hidden fees, cancel anytime.
Free
Everything you need to try Horizons and run a 10-year forecast on your own numbers.
Get Started Free- 10-year forecast horizon
- 100 Monte Carlo trials
- 2 what-if scenarios
- 5 saved simulations
- Manual entry (no bank connections)
- Federal tax estimate
- Library access
- Bank connections
- Long-horizon forecasts
- Retirement planning
- Scenarios beyond 2
- Plan of Record
Basic
or $120/year (save 33%)
The full Horizons engine — 80-year forecasts, Plaid, retirement planning, and a Plan of Record that captures your decisions.
Start Basic- 80-year forecast horizon
- 2,000 Monte Carlo trials
- 50 what-if scenarios
- 25 saved simulations
- Bank connections via Plaid (5 accounts)
- Federal + state tax modeling
- Walkthrough, Retirement, Goals
- Plan of Record (SS + retirement)
- Future expenses + budget rules
- CSV data export
- 48-hour email support
- Advanced tax math (AMT, NIIT, QBI)
- Multi-year Roth optimizer
- IRMAA depth
- Trusts & Estate flowchart
- Gifting + charitable vehicles
Pro
or $384/year (save 20%)
First month at Basic pricing ($15) — auto-applied at checkout.
Advanced tax planning and the full Trusts & Estate flowchart for users with more complex financial situations.
Start Pro- Everything in Basic, plus:
- Advanced tax math: AMT, NIIT, QBI
- Multi-year Roth conversion optimizer
- IRMAA depth + Medicare premium projection
- Trusts & Estate flowchart (9 entity types)
- Gifting (annual exclusion, lifetime, GST)
- Charitable vehicles (DAF, CRT, CLT)
- Tax-loss harvesting strategy
- Full Plan of Record (Roth / estate / charitable)
- Bank connections via Plaid (10 accounts)
- 100 saved simulations
Founding Member Offer
The first 250 Basic subscribers get 50% off their first year. Use code FOUNDER at checkout — $60 for year one, then $120/year locked for life as long as you stay subscribed.
The Education Center is free on every plan
Every Library article — from the Pillars to the Basics to the deep-dives — is free to every tier, including Free. We don't paywall financial education. The only thing a paid plan adds on top of the Library is personalization: the “use my numbers” toggle that runs each article's worked example against your own plan, and the completion certificate for finishing a learning path. Read everything first — upgrade only when you want the math run on your situation.
Frequently asked questions
What's the difference between Basic and Pro?
Basic ($15/mo) gives you the full forecast engine — 80-year horizons, 2,000 Monte Carlo trials, Plaid connections, federal + state tax math, and a Plan of Record for Social Security and retirement decisions. Pro ($40/mo) adds the advanced tax math (AMT, NIIT, QBI, multi-year Roth optimization, IRMAA depth) and the Trusts & Estate flowchart with gifting and charitable-vehicle modeling. Most people start with Basic and only upgrade to Pro when they have an estate-planning attorney or CPA recommending it.
Can I try Pro before committing?
Yes — the first month of any new Pro subscription is automatically billed at the Basic price ($15 instead of $40). That gives you a full billing cycle to use the advanced features. Cancel before month 2 and you only pay the Basic price.
What happens if I cancel?
Your data stays intact. When you cancel Pro you drop to Basic-tier feature access; cancel Basic and you drop to Free. You can export everything to CSV before canceling regardless of tier.
Is my financial data secure?
Yes. All data is encrypted at rest and in transit. We use field-level encryption for sensitive values, and bank connections go through Plaid's secure infrastructure. We never see or store your bank credentials.
Do you offer advisor pricing?
Yes. We offer per-seat advisor plans: Starter at $99/month (up to 15 households per seat) and Growth at $199/month (up to 50 households per seat), plus a custom Firm tier for larger practices. Contact us at contact@chartyourhorizons.com for details.
Will Basic ever lose features over time?
No. The features included in Basic today stay in Basic. When we ship new advanced tax or estate features, they land in Pro. If we ever change that, you'd get advance notice and an honored-price grandfather window — that's the commitment we've made to the first 250 Founding Members and we hold ourselves to it for everyone after.
Is the Education Center behind a paywall?
No. Every Library article — Pillars, Basics, and deep-dives alike — is free to read on every tier, including Free. We don't gate financial education by plan. What a paid plan adds is personalization: the "use my numbers" toggle that runs an article's worked example against your own plan, plus the certificate you earn for completing a learning path. The articles themselves are always free.