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When could you reach financial independence?
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When could you reach financial independence?
When could you reach financial independence?
That's 23 years away · What you'd need: €834,000 · Already 1% there
This is a rough estimate. Use our AI assistant below to build a better plan.
Our solution
Start simple, sharpen your numbers as you go, and test your plan with ready-to-use scenarios.
01 · See it
Drag your spending down and watch your financial independence date move with it, year by year.
02 · Make it real
Add every account, in any country and currency. Horizon converts at daily rates into the currency you think in.
03 · Test it
Replay the 2008 financial crisis, COVID, the 2022 rate shock and other past crashes on your own plan, and see how it recovers.
04 · Act on it
Hector, your AI guide, spots what needs attention, shows the numbers behind it, answers your questions and turns your plan into a PDF report.
The numbers behind it
Balances grow at the rates you set, income and spending follow your timeline, and Match Inflation keeps costs rising with prices. Every rate is visible and editable.
Monte Carlo runs 500 market paths by default (up to 2,000) and shows your chance of success as a band from Very low to Very high, never a false-precision percentage.
Crashes are replayed from historical prices, refreshed daily: the 2008 financial crisis, COVID, the 2022 rate shock and more, or any start date since 1993.
Balances are converted to your reporting currency at daily reference rates.
Projections, simulations and the Strategy Optimizer run in your browser, so results update as you type.
Our customers
For you
Your money lives in more than one place, and most tools assume it does not.
For your clients
Give your clients a clear picture of where they stand, and put your assumptions to the test.
Horizon models the numbers. The advice stays yours.
Talk to us →Planning for financial independence in one country works just as well.
Start free. Grow with Pro.
| Feature | Free | Pro |
|---|---|---|
| Unlimited financial plans with goals & milestones | ||
| Live simulation: change a number and see your financial independence date move | ||
| Full deterministic range based on historical returns, volatility and correlations + confidence band | ||
| Reporting: Currency View, Asset Mix & Liquidity | ||
| Local import, export & backups | ||
| Hector, your AI guide: what needs attention, the numbers behind it, answers and a PDF report | ||
| Plan Comparison Tool: compare your plans side by side | ||
| Strategy Optimizer with risk-profile-aware suggestions | ||
| Chance of success: Monte Carlo simulations to stress test your plan | ||
| Shock Resilience: past crashes (2008, COVID, 2022) replayed on your plan | ||
| Real Market History: backtest your plan with real historical data | ||
| Cashflow Analysis: see how your income is allocated across time (Sankey) | ||
| Sync across all your devices |
Free to start, no card needed: Hector, your AI guide, builds your first plan with you.
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