What's under the hood
No bank account linking. You enter your data manually and keep full control.
Monte Carlo Simulations
Run thousands of scenarios using historical market data to understand your real probability of success.
Scenario Planning
Create multiple "what-if" scenarios. Retire early? Buy a house? See how each decision affects your trajectory.
Milestone Tracking
Set meaningful milestones — coast FI, lean FIRE, full independence — and track your progress over time.
Cash Flow Priorities
Model your savings hierarchy: emergency fund, then debt payoff, then investments. See the long-term impact.
Tax Estimation
Automatic federal and state tax projections. Model Roth conversions, capital gains, and RMDs.
Privacy First
No account linking required. Your data stays yours. Manual entry means complete control.
Valuable Features - Find your earliest retirement age
The Retirement Finder runs Monte Carlo simulations across every age to show when you can safely retire — at 80%, 90%, and 95% confidence levels.
From zero to clarity in minutes
No spreadsheet gymnastics. No confusing interfaces. Just straightforward financial modeling.
Add your accounts
Enter your current balances, income sources, and recurring expenses. No bank connections needed.
Build your plan
Set your milestones, adjust assumptions, and model life events like career changes or big purchases.
Explore scenarios
Run simulations, compare plans side-by-side, and make confident decisions about your future.
Simple, transparent pricing
Start free, upgrade when you're ready to save your progress.
- 1 plan, 5 accounts
- Basic projections
- Interactive charts
- No data persistence
- Unlimited plans & accounts
- Monte Carlo simulations
- Tax estimation engine
- Historical backtesting
- Progress tracking & journaling
- PDF report exports
Hi, I'm Jeff. I enjoy building things, and I wanted a full-featured FIRE planner for my own retirement — one with Monte Carlo simulations, tax-aware Roth conversion modeling, and scenario comparison. So I built it.
I use Your Horizon to plan my own finances. It's a solo project — just me — so what you see is what you get: no sales team, no enterprise upsells, just a tool I'm actively building and using.
If you're into FIRE and want real modeling tools without linking your bank accounts, give it a try.