Horizon

Point-in-time plan

Your life, held in one picture.

A personal roadmap for the years ahead.

Prepared: --
Values shown: --
Plan horizon: --

Resilience --

Net worth$0

Retirement0

Safe age--

Investments$0

Ending net worth$0

Net worth

Your financial horizon

Retirement age Goals Milestones Life end

Cash flow detail

See where money comes from—and where it goes.

Click a year on the forecast, then inspect spending, goals, and withdrawals by cash, brokerage, traditional, and Roth accounts.

Explore cash flow

The plan

What this future is built on

Save this copy. Revisit it when life changes.

Life goals

The moments we are making room for

Wins & milestones

Proof of progress, now and next

Next chapter

Three moves to carry forward

Your inputs

Shape your plan

1 of 5 · Start with your timeline

Saved locally

Your timelineStart with your age and when you want to retire. Your timeline

Timeline

How far are we planning?

Current age How old you are today Retirement age When you expect to stop working; an estimate is fine Plan through age How long your money needs to last

Growth assumptions & advanced timeline

Optional. Review the growth rates used in your forecast.

Adjust retirement age Chart ends at age Extend the chart beyond your plan if needed

Investment growth % Cash growth % Real estate growth % Inflation % Safe withdrawal rate %

Your forecast updates when you finish editing a value.

What you own & oweAdd today’s account balances and debt. Starting balances

Investment accounts

Separate balances by tax treatment

401(k) & traditional IRA Generally taxed as ordinary income when withdrawn$ Roth accounts Qualified Roth withdrawals are generally tax-free$ Taxable brokerage Only gains and distributions may be taxable$ Other / unclassified Use when the account’s tax treatment is not specified$

Annual investing is allocated in proportion to these starting balances. Withdrawals use cash first, then brokerage, traditional accounts, unclassified investments, and Roth.

Other balances

Cash, property, and debt

Cash Checking, savings, and emergency funds$ Real estate What property you already own could sell for; use 0 if none$ Debt Total you owe on mortgages, loans, and credit cards$

Income & lifestyleTell Horizon what comes in, goes out, and gets invested. Annual cash flow

Annual income Your household’s total yearly income before retirement$ Annual investing Contributions across accounts$ Current annual spending Living costs for a year. For example, $3,000/month is $36,000/year.$ Retirement spending Yearly living costs in today’s dollars; start with current spending if unsure$

Investment account contribution breakdownAutomatic by starting balance

Choose where new investing goes

Use a custom annual amount for each account, or let Horizon allocate the total in proportion to your starting balances.

Custom

Social Security settings

Social Security starts Claiming age Annual Social Security In today’s dollars$

All amounts are annual unless noted.

Goals & milestonesAdd the life choices and targets that matter to you. Shape your future

Make it personal Goals affect the math. Milestones help you track progress.

Add major choices like a home, career break, or income event. Then add the financial markers you want to see on the chart.

Goals

Forecast events

Home purchases, income changes, expenses, and other choices that move the projection.

+ Add goal

Goal type

Milestones

Targets to track

Net worth, liquid assets, cash, and investment thresholds shown as chart markers.

Save & manageKeep versions of your plan private in this browser. Local only

Your plan stays private.

Inputs and saved scenarios stay in this browser. Nothing is uploaded unless you configure a lead endpoint.

Saved scenario

Send yourself the plan

Keep a PDF summary and a return-later link.

Scenario copy
PDF summary
Return link
Goal gap

Your scenario stays local unless a lead endpoint is configured.

Plan analysis

Your financial decision brief

Turn the forecast into a decision.

Get a clear verdict, downside stress test, key pressure points, and the three moves most likely to improve your plan.

Yearly detail

Cash flow table

Year	Age	Income	Social Security	Investment Returns	Cash Returns	Total Contributions	Investment Draw	Unfunded	Housing	Investments	Cash	Home Equity	Debt	Net Worth