Financial independence calculator
Model independence - not just a static “independence target”
Horizon treats independence planning as an ongoing system: your target, how much you withdraw, how markets and inflation behave, and how bad sequences of returns hit the plan. Use it as a financial independence calculator that stays connected to your real accounts and currencies.
The Freedom Architect persona
Building toward financial independence on their own timeline.
“Spreadsheets can't model market crashes, inflation spikes, and a 30-year horizon at the same time. I never know if my number is real.”
- Market-scenario projections with weighted paths
- Independence target modelling with dynamic withdrawal-rate sensitivity
- Inflation-adjusted net worth across asset classes
- Visual timeline to your number — updates as inputs change
Independence target & withdrawals
Capture the portfolio size you're aiming for and the spending you expect to support. Horizon links those inputs to your projection so you're not maintaining duplicate tables.
Withdrawal rate sensitivity
Small changes in safe withdrawal assumptions swing outcomes over decades. Stress-test rates in context with your actual asset mix and currency exposure — then compare to fixed assumptions.
Probability demo in the app
Layer probability-based paths on your projection and see how often your plan survives under sampled returns and correlations — useful for FI bloggers and readers who care about transparent assumptions.