Horyzont Finansowy is an MS Windows 11 application installed on your computer. It connects budgets, goals, projects, liabilities and investments while keeping your financial database locally — away from the operator’s servers.
Free for registered users · one-year licence · MS Windows 11
Transactions, categories, accounts, liabilities and analysis create one information flow.
Goals can rely on selected accounts or portfolios, and larger projects can be tied to budgets and funding sources.
See how spending, instalments, extra payments, saving and investing affect cashflow, balance and progress.
Download the installer and run it on an MS Windows 11 computer.
Register during installation by following the on-screen instructions.
Use the free one-year licence, with the option to renew it.
You can download the installer directly from the website. User registration takes place during application installation. After registration, the licence is granted for one year and can be renewed.
On first launch, the application guides you through creating a local user and basic setup. Settings and entered data are stored in the local database on your computer.
See not only transaction history but also plan, execution, risks and impact on upcoming months.
Emergency fund, holidays, renovation or a major purchase with progress tracked on real data.
Renovation, moving, furnishing or travel split into budget, tasks and funding sources.
Portfolios, retirement wrappers, cash, bonds, user roles and shared organisation without access chaos.
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This is the core of the product. Data from one area affects the next, so spending control becomes planning and decisions.
Transactions, budgets, categories, accounts and liabilities show what really happens month by month. Financial analysis and thresholds reveal early warning signs.
A goal is not a standalone note. It can be linked to a selected account or portfolio, so progress updates automatically.
A project groups items, tasks, deadlines and funding sources. Great for renovations, travel and other high-cost topics.
Portfolios, dividends, cash, bonds and account status show how daily decisions affect assets and long-term plans.
Monitoring does not stop at a transaction list. Each area answers a different decision question.
Plan vs actual, category, account, transaction type, purpose and description plus liabilities and analysis.
Priority, deadline, target amount, source and completion percentage.
Project budget, spend, status, dates and tasks to prevent large one-off topics from spilling into everything else.
Thresholds for low balance, large transactions and runway help catch problems early.
The main areas are arranged to support both daily control and longer-term planning.
Monthly summary, transactions, budget, accounts, categories, liabilities and financial analysis. Loans with overpayment simulation — see impact on payoff time and total interest (pay down faster or invest).
Short-term and strategic goals with sources, priorities, statuses and deadlines.
Larger initiatives with budget, timeline, line items and funding sources.
Portfolios, transactions, dividends, bonds, cash, retirement wrappers, account status and balance. Calculators (IKE, IKZE, PPK, extra retirement savings) and withdrawal simulations at 60/65 with tax impact.
Household members can work together in one local installation with Edit / Read-only roles, bulk operations and a selected budget currency with NBP exchange rates.
Register of assets (property, vehicles, other) with estimated value and linked loan. System calculates net value (asset minus debt) and shows transactions assigned to the asset (renovation, insurance, maintenance).
Rental properties, tenants and agreements in one place. The module organises monthly settlements, income, costs and key rental dates.
Practical guides to help you plan a budget, control spending and make calmer financial decisions.
Compare the actual cost of PPK with contributions, tax and early-return rules. The article is available in Polish.
Read the articleInstall the application locally on an MS Windows 11 computer. The database containing your budget, transactions, goals and investments stays on your device — the operator does not store it on its servers.
The application is free for registered users. The licence is valid for one year and can be renewed.
The application is available only for MS Windows 11 and runs locally on your computer.
Your financial database is stored locally on your computer, not on the operator’s servers.
Download the MS Windows 11 installer. Registration takes place during installation, and the granted licence is valid for one year with the option to renew.
Download installerYour financial database runs on your computer. The operator does not host your budget, transactions, goals or investment portfolios on its servers.
Budgets, transactions, goals, projects and investments are stored in a database on the user’s device.
The operator does not store your financial database in its infrastructure and has no ordinary administrative access to it.
User accounts, roles and permissions are managed within your local installation.
The application can create a copy of the local database. You decide where and how it is stored.
A data backup can be password-protected to reduce the risk of disclosure if storage is lost.
Passwords are protected according to good practice and the application supports additional access safeguards.
Internet access may be used for activation, updates or market data. This does not mean sending your local financial database to the operator.
Export and backup tools help you keep control of your own data.
Yes. We design the system to be useful and clear also for people without experience in advanced financial management. Complex module integration is implemented on the application side, and the user gets simplified views, automation and wizards that support more advanced features — including investment portfolios and projects.
Yes. You can create users in one local installation and assign roles such as Edit or Read-only.
Yes. The "Liabilities" feature covers loans — mortgage, personal and others — detailed schedule of principal and interest payments and overpayments. It includes overpayment simulation, so you can better assess the impact of decisions on future instalments and interest. Mortgage repayment can be linked to a property in the "Assets" module for better cost-of-ownership analysis.
Yes. It includes portfolios, transactions, dividends, cash, bonds and features useful for IKE and IKZE.
Locally on your computer. The operator does not store your budget, transactions, goals or investments on its servers.
The application is free for registered users. The licence is granted for one year and can be renewed.
The application is available only for MS Windows 11 computers and requires local installation.
Download the MS Windows 11 installer directly from the website. Registration takes place during installation. The granted licence is valid for one year and can be renewed.
Download the MS Windows 11 installer. Registration takes place during installation, and the free licence is valid for one year with the option to renew.
Download installerContact us with questions about installation, registration, licence renewal or data protection.