Horizon

Horizon helps you plan your household's finances — and keeps every number on your own computer.

Enter what you own, what you owe and what you spend. Horizon works out where that leads: when you could stop working, how likely your savings are to last, and which few changes would help most.

RETIREMENT • See your chance of success, tested against 1,000 different futures for the markets, not one straight-line guess. • A year-by-year table of income, spending, taxes and balances until age 95 or whatever age you choose. • Social Security timing for each person, including spousal and survivor benefits. • Roth conversions, required minimum distributions, and taking money out before 59½ (Rule of 55 and 72(t)). • Federal and state income tax, worked out year by year.

STRATEGIES • A ranked list of moves for your situation, such as delaying Social Security, converting to Roth or keeping a cash reserve. • Preview any move to see how much it would change your plan before you apply it.

CHILDREN • One card per child: college costs, 529 savings and the gap between them.

DEBTS AND YOUR HOME • Mortgage and debt payoff, home value, and reverse mortgage as a later-life option.

PRIVATE BY DESIGN • No account and no sign-up. • The app has no internet access at all — it cannot send your data anywhere, even if it wanted to. • Your plan lives in one file on your PC. Back it up or move it when you choose, from Settings. • No ads, no tracking, no in-app purchases.

Horizon is a planning tool, not financial, tax or legal advice. Figures are for the United States.