Horizon Budget gives you a clear view of every dollar: where it came from, where it's going, and what's coming up next.
No account creation, no card required. Open the app, set up your categories, and start seeing the full picture of your finances.
Add every paycheck and its schedule: bi-weekly, twice-monthly, monthly, or irregular. Horizon maps your income to the exact months it lands so your budget always reflects real cash flow.
Group expenses your way: Housing, Food, Subscriptions, or whatever fits your life. Set a typical amount and frequency for each one.
Record transactions as they happen. Horizon stacks your actual spending against your budget in real time so you can see at a glance where you're on track and where you're slipping.
The Annual Budget view shows your full year at a glance. See which months are tight, where you're overspending, and where there's room to breathe.
Set any expense to quarterly, semi-annual, or annual frequency. Horizon automatically surfaces reminders in the months they're due.
Manually log your accounts, debts, and assets to see your net worth at a glance. A simple, honest picture of where you stand today, updated whenever you want.
Most budgeting apps make you pay just to know your own numbers. Horizon is different.
Everything lives in your browser. No servers storing your bank info, no breach risk, no company going under and taking your data with them.
Most apps budget by month. Horizon budgets by paycheck. Add multiple income sources on their own schedules and see exactly what you have to work with each pay period, not just the month as a whole.
See your planned budget and actual spending side by side, right in the monthly view. No exports, no pivot tables. Know immediately which categories are over, which are under, and by how much.
Annual subscriptions, quarterly insurance, bi-monthly fees: Horizon surfaces them automatically in the month they're due. No more surprise charges.
See every month in a single view. Click any month to jump straight into it. Identify tight months before they happen, not after.
Monthly budget, waterfall, reconciliation: everything prints cleanly. Great for envelope budgeters, couples reviewing together, or anyone who likes paper.
| Feature | Horizon Budget | YNAB | Mint / Credit Karma |
|---|---|---|---|
| Monthly subscription cost | Free (Pro $5/mo) | $14.99/mo | Free (ad-supported) |
| Your data stays on your device | ✓ Yes | ✗ Cloud only | ✗ Cloud only |
| Budget vs. actual comparison | ✓ Built in | ✓ Yes | ~ Limited |
| Paycheck-by-paycheck planning | ✓ Yes | ~ Workaround | ✗ No |
| Annual budget view | ✓ Yes | ~ Limited | ✗ No |
| Non-monthly expense reminders | ✓ Automatic | ~ Manual only | ✗ No |
| Print-ready reports | ✓ Yes | ✗ No | ✗ No |
| No account required to start | ✓ Yes | ✗ Signup required | ✗ Signup required |
"I built this app because none of the existing options captured the level of detail I track monthly or looked far enough into the future. I've consolidated 5 separate spreadsheets I personally used into this app. I hope it serves you as it serves me and you give it 5 stars!"
The full budgeting experience is free. Pro adds cloud accounts, multiple budgets, and sync for people who want more.
The complete budgeting experience, right in your browser.
Cloud-powered budgeting for people who want everything, everywhere.
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Everything you want to know before you start.
Start in under a minute. No account, no card, no catch.
Open Horizon Budget