Budgeting that never asks for your bank login.
Horiza is a personal finance app you fill in yourself — no bank connection, no aggregator sitting in the middle holding your credentials.
Request an inviteInvite-only while I open it up gradually.
- Instalments
- Multiple currencies
- Investments
- No bank connection
Most people arrive here looking for a Goodbudget, YNAB or Monarch alternative that handles instalments and more than one currency.
The money adds up on paper and disappears in practice.
For most people the problem is not income. It is that spending gets sorted into categories after the fact, when every decision has already been made and the only thing left to do is name it.
- Apr−$135
- May+$210
- Jun−$60
- Jul+$355
- Aug−$205
2 of 5 months finished over — Jul by $355. Each one was sorted into categories only after the money had gone.
Decide first, spend second.
01
Give every unit of money a job.
At the start of the month you decide what your money is for — rent, groceries, the car, the trip in August. Not a forecast of what you might spend. A decision about what you will.
02
Spend against the plan.
Enter what you spend as it happens, or import a statement at the end of the week. Either way each transaction comes out of the job you assigned it to, and you can see it going.
03
Watch the jobs, not the balance.
A bank balance can look comfortable while next month’s instalments are already spoken for. Horiza shows what is genuinely left once every commitment has been counted.
Put one in and see.
This is the whole loop. Typing a number is slower than having it appear, and the slowness is the feature: it puts a pause between you and the money, at the one moment a pause can still change anything.
This is envelope budgeting. The idea is older than any app — it is what people did with cash and paper envelopes — and it survives because assigning money in advance is the part that changes behaviour.
- Groceries$230 / $500
- Transport$69 / $150
- Clothingover by $75$225 / $150
Example figures.
The parts most budgeting apps quietly skip.
If you live outside the United States, this is usually where a budgeting app stops describing your life.
Instalments
A twelve-month plan is not twelve future decisions. It is one commitment you already made. Horiza holds the plan, books each month as it falls due, and shows the debt you are actually carrying rather than the balance that happens to be showing.
12 instalments · $200 a month · started in April
- Paid so far
- $1,000
- Due this month
- $200
- Still owed
- $1,400
- More than one currency
- Turkish lira, euro and dollar side by side. When the live rate is not the rate you got, you can set your own and the numbers follow it.
- Investments
- Holdings sit next to spending instead of in a separate spreadsheet, so net worth is a number you read rather than one you maintain.
- Credit cards
- Statement day, due date, and the debt per card — including the money already spoken for by a card you have not paid yet.
- A shared household
- Invite your partner. One budget, two people putting things into it, no reconciling two apps at the end of the month.
Your bank login stays yours.
Every budgeting app I tried wanted my bank login. Not my password, usually — an aggregator in the middle, holding a token that can read every transaction in every account, on infrastructure I do not control, under a business model I cannot see.
For plenty of people that trade is worth it. I did not want to make it, so Horiza does not connect to anything. You enter transactions yourself, or you download your own statement and import the file. It goes from your bank, to your browser, into your account. There is no third party in that path.
There is a second reason, and it took me longer to admit. Typing it in is part of the point. An app that categorises your spending silently hands you a report at the end of the month. Writing down what you spent gives you a pause at the moment you spend it, and the pause is where the behaviour actually changes.
The honest caveats
- This does not mean typing in everything. Importing a statement is a supported path, and Horiza learns which merchant belongs to which category from your own history — so the second month costs a fraction of the first.
- One feature does send text elsewhere, and it is off by default. If you switch on natural-language entry, the sentence you type is sent to a language model to be turned into a transaction. Nothing else is sent, and you never have to turn it on.
One account. Three screens that carry it.
Not a tour. The three places you actually look, and the question each one answers.
Every envelope, and what is genuinely left
Every category with what was assigned, what has gone, and what is genuinely left. Two are over: Bills by $15 and Clothing by $75.
Features
Everything Horiza can do, in one place.
New
Installments
Installment plans are tracked month by month, so future card payments are never a surprise.
Hidden categories
As the owner, hide chosen categories from individual members while the totals stay correct.
Spending by member
See how much each household member spent in a category.
Export & statements
Download transactions as CSV, an account statement, or the monthly summary as PDF.
Assets
Accounts & cards
Bank accounts, cash and credit cards with live balances and statement dates.
Investments
Track holdings in stocks, funds, gold and crypto, valued in your display currency.
Tracking & planning
Transactions
Income, expenses, transfers and splits, with filters, search and quick add.
Envelope budget
Plan each category per month, carry balances over and see what is still available.
Monthly summary
A one-page recap of the month, ready to print or save as PDF.
Goals
Set savings goals and watch your progress toward them.
InstallmentsNew
Installment plans are tracked month by month, so future card payments are never a surprise.
Forecast
Projects your balance forward using recurring entries and installments.
Definitions
Categories
Group your spending into categories and category groups that fit your life.
Merchants
See where your money goes by merchant, with a deep dive per store.
Recurring entries
Rent, salary and subscriptions are created automatically on schedule.
Sharing & privacy
Shared household
Invite a partner or family and manage one budget together.
Hidden categoriesNew
As the owner, hide chosen categories from individual members while the totals stay correct.
Spending by memberNew
See how much each household member spent in a category.
End-to-end encryption
Sensitive fields are encrypted with keys only your household holds.
Data
Import
Bring in bank statements as CSV; rules categorise merchants for you.
Export & statementsNew
Download transactions as CSV, an account statement, or the monthly summary as PDF.
One person, using it for their own money.
I am Murat. I build software for a living, and I built this for my own finances, because I could not find a budgeting app that understood instalments or more than one currency without also wanting access to my bank.
I use it every day and so does my partner. That is the entire user base at the moment, which is the point: when something is wrong, it is wrong for me too, and it gets fixed that week.
The things people ask first.
Is there a budgeting app that does not connect to your bank?
Horiza is one. It never asks for a bank login and there is no aggregator holding a token on your behalf. You enter transactions as they happen, or you download a statement from your own bank and import the file — it goes from your bank, to your browser, into your account, with no third party in that path.
Does it handle instalments and buy now, pay later?
Yes, and this is the part most budgeting apps skip. You enter a plan once — the total, the number of months, the start date — and Horiza books each instalment as it falls due. The debt you are actually carrying is a number you read rather than one you reconstruct from a card statement.
Can a budgeting app handle more than one currency?
This one handles three: Turkish lira, euro and US dollar. Accounts and holdings each sit in their own currency rather than being converted into a single home currency behind your back, and when the live rate is not the rate you actually got, you can set your own and the numbers follow it.
How is Horiza different from Goodbudget, YNAB or Monarch?
The budgeting method is the same idea — envelopes, money given a job before it is spent. The differences are that Horiza has nothing to connect to your bank, that an instalment or buy-now-pay-later plan is a first-class object rather than something you model by hand each month, and that Turkish lira, euro and US dollar sit side by side instead of everything being converted into one home currency.
What does Horiza cost?
Nothing today. There is no payment step and it never asks for a card. It is a small project that one person runs, and what happens at general availability is not settled yet — so this is what is true now, not a promise about later.
What devices does it run on?
Any modern browser, on a phone or a desktop. It is a progressive web app, so it installs to a home screen and runs full-screen like an app, but there is no separate iOS or Android download.
Can two people share one budget?
Yes. A household can have more than one person in it, so both of you put things into the same budget instead of keeping two apps and reconciling them at the end of the month.
How do I get an account?
By asking. Horiza is invite-only while it opens up gradually — not as a growth tactic, but because one person answers every message and fixes what breaks.
Ask for an invite, and I will write back.
Horiza is invite-only for now. Not as a growth tactic — one person reads every message, and that only scales so far.
Your address is kept so I can reply, and it goes on no mailing list. The privacy page names everything that handles it.