Horyzont Finansowy goes beyond expense logging. It connects everyday spending control with goals, larger projects, liabilities, investment portfolios and shared organisation.
Full access in Demo (21 days). No commitment.
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.
Create a Demo account — no card required, full access for 21 days.
Add your first account and a few transactions (expenses, income).
Set a budget or goal — the system will show plan vs actual and progress.
Click „Create free account (Demo)” and go to registration. Enter your email, display name and password (it must meet strength requirements), accept the terms and privacy policy. You will receive an activation link by email — click it within 24 hours to activate your account. After activation you can log in.
On first login the system will guide you through a short setup. You can skip it at any time or complete it later.
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.
More on:
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.
Standard: budget in chosen currency, NBP rates for balance and report conversions (auto-refresh). Premium: multi-user, roles (Edit / Read-only), bulk operations — assign many transactions at once to a goal, asset or project.
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).
| MODULE | Demo PREMIUM RIGHTS (21 DAYS) |
Standard | StandardPlus | Premium |
|---|---|---|---|---|
| Personal financefinance | ✓ | |||
| Portfolio goals managementportfolio_goals | ✓ | |||
| Investmentsinvest | ✓ | |||
| Assetsassets | ✓ | |||
| Account statusaccounts | ✓ | |||
| Configurationconfig | ✓ | |||
| Subscriptionsubscription | ✓ | |||
| Notificationsnotifications | ✓ | |||
| Projectsprojects | ✓ | |||
| Rental managementrentals | ✓ | |||
| Analyses and recommendationsinsights | ✓ |
Security covers login, permissions, accountability, data export, privacy management and module access architecture.
Data minimisation, clear processing purposes, transparent policies.
Hashed passwords, session protection, sound application architecture practices.
Communication with the service is encrypted (TLS) to protect data in transit.
Backups, recovery procedures, error monitoring.
Sensitive data is encrypted before being stored in the database — it remains unreadable even if access is gained without authorisation.
Account access requires a one-time OTP code (e.g. authenticator app). This significantly reduces the risk of account takeover.
The service runs on OVH infrastructure (Europe’s largest cloud provider) in the Polish region — low latency and predictable security standards.
Organisation owner has access to the event log (who, when, what). “Trust this device” option allows skipping 2FA code for 30 days on the same device.
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, but shared use (couple/family) is available in the Premium package. The organisation owner can invite others and assign roles: Edit – user can view and modify organisation data (e.g. portfolios, transactions, personal finance); Read-only – user can only view data, with no ability to make changes.
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.
Yes. The system supports core rights under the GDPR Regulation: <a href="https://sip.lex.pl/akty-prawne/dzienniki-UE/rozporzadzenie-2016-679-w-sprawie-ochrony-osob-fizycznych-w-zwiazku-z-68636690/art-15" target="_blank" rel="noopener noreferrer">Art. 15 GDPR (Right of access)</a>, <a href="https://sip.lex.pl/akty-prawne/dzienniki-UE/rozporzadzenie-2016-679-w-sprawie-ochrony-osob-fizycznych-w-zwiazku-z-68636690/art-20" target="_blank" rel="noopener noreferrer">Art. 20 GDPR (Right to data portability)</a>, <a href="https://sip.lex.pl/akty-prawne/dzienniki-UE/rozporzadzenie-2016-679-w-sprawie-ochrony-osob-fizycznych-w-zwiazku-z-68636690/art-17" target="_blank" rel="noopener noreferrer">Art. 17 GDPR (Right to erasure)</a> and <a href="https://sip.lex.pl/akty-prawne/dzienniki-UE/rozporzadzenie-2016-679-w-sprawie-ochrony-osob-fizycznych-w-zwiazku-z-68636690/art-32" target="_blank" rel="noopener noreferrer">Art. 32 GDPR (Security of processing)</a>.
We plan to complete development and launch the option to purchase a subscription by the end of the first half of 2026. The system is in the final build phase and has practically all planned features, which are already available for testing. However, our experience with similar projects shows that after testing we need about 2–3 months of stabilisation. That is when we identify and fix issues that may not appear in a standard test cycle — especially around performance, edge cases and integration. Although an experienced team in finance and software development is working on the system, we also want to: learn more about real user needs and how they work with the system, involve users in prioritising further feature development, carry out final verification of security and resilience. So the subscription launch will be based not only on completed development but also on confirmed stability, quality and security.
We deliberately do not offer bank statement imports. From experience we know that automatic transaction feeds give a lot of data but often little control. Horyzont Finansowy focuses on conscious management: simpler entry of key information, categorisation with context, and integration with goals, projects and assets. This approach usually builds better habits and supports real decisions, not just history.
At present we do not plan to develop dedicated mobile apps. The system interface is built following responsive web design (RWD) principles so that it displays correctly on mobile devices as well.
The best test is a real scenario: monthly spending, a savings goal, a home project or organising investments.
Write to us if you want to check how the workflow fits your needs.
kontakt@horyzontfinansowy.pl
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