Every account, any currency, one horizon.

Standard — what Microsoft Money did, without the Windows

Standard is meant as a like-for-like replacement. If you kept your accounts in Money, the things you used every day are here, in the same shapes and under the same headings.

Your old file comes across. WealthHorizon reads .mny and .mdb/.accdb files directly, as well as QIF, OFX, CSV and Excel, and shows you what it found — account by account, with the balances it calculated — before anything is saved.

In Standard

• Accounts of every kind — current, savings, credit card, loan, mortgage, investment, pension, property, vehicle — each with its own country, currency and tax wrapper.
• The register with a running balance, splits, matched transfers, payees, categories, and arithmetic in the amount box.
• Repeating payments — weekly to yearly, with the month laid out as a calendar of what is due.
• Investments — holdings, lots, prices, dividends, share splits and an account’s own cash side.
• Reports arranged under Money’s own headings: spending by category and by payee, comparisons between periods, account balances with detail.
• Imports from Money, QIF, OFX, Trading 212, Saxo, Barclays and any CSV or spreadsheet, with the columns mapped by you and a preview before it commits.
• Exports to CSV, Excel, QIF and OFX, per account.
• Multiple currencies, with each entry keeping the rate it was converted at.
• Backups you can schedule, encrypt and restore.
• Documents filed against an account — statements, contract notes, certificates.
• Household access — share an account with a partner, or give read-only access, and see who has looked at what.

Pro — everything in Standard, and the questions Money could not answer

Money told you where you stood. Pro is about where you are heading: whether the plan works, what the month needs, what a holding might be worth, and what the tax will be.

Long-term planning

Build a plan and see it year by year. Say what you intend to live on and the projection works out what your guaranteed income — state pension, defined benefit, earnings — leaves uncovered, and draws exactly that, grossed up for the tax you will pay on it. It tells you the first year you fall short, when each pot runs out, and what is left at the end.

Three outlooks, what-if scenarios, and a Monte Carlo simulation for the range of outcomes rather than a single line. The order you spend your pots in is yours to set, because which pot you spend first is a tax decision rather than an arithmetic one.

Month-end planning

The month before it happens: one row per account showing what it opens with, what comes in, what is due, its worst point, and whether it gets through. Then a worksheet of what to move from where — with the reason each source was chosen and what else was considered — and the list of transfers grouped by the bank you log into, so it is one visit per login rather than one per movement.

Share price forecasting

A grid of what you expect each holding to be worth: instruments down the side, dates across the top, a price in the cell. A growth rate cannot say that one company does something different from another, and an unlisted holding has no market price at all — a forecast is the only price it will ever have. Import the spreadsheet you already keep, and export it back.

Inheritance tax and capital gains

An estate valuation with the nil-rate bands applied and the sum shown line by line, a register of gifts against the seven-year rule, and the strategies worth considering. For capital gains: FIFO or the full UK matching rules — same day, then the following 30 days, then the pool — with unused losses and allowance brought into the picture.

In Pro, in addition to Standard

• Advanced Planner — outlooks, what-if scenarios, Monte Carlo, pensions, income streams with start and end years, inflation and retirement spending.
• Planning wizard — a guided fact-find that only asks the questions that apply to you, pre-filled from your accounts.
• FIRE mode — your FIRE number, savings rate, years to independence, Coast and Barista, and a bridge planner for the gap before pension access age.
• Roadmap and goals — goals on a timeline against your plan and your actual wealth, with the shortfall quantified.
• Month-end plan — the picture of the month, the transfer worksheet, the bank instruction list and a journal of what you decided to move.
• Monthly pack — where you stand, what is due, how the goals are going, in one printable run.
• Price forecast — per instrument, per date, imported and exported as a spreadsheet.
• Estate & IHT planner — liability, nil-rate bands, the seven-year gift register.
• Capital gains — FIFO or full UK matching rules, plus an optimiser that finds loss-harvesting opportunities.
• Dividend tracker — income by security and by account, with withholding tax and the year-on-year change.
• Tax workspace — calculator, allowances used and remaining, up to three jurisdictions side by side, residency day counts.
• Cash flow forecast — twelve months of inflows and outflows from your repeating items.
• Rebalancing and exposure — drift against target, and what you are exposed to by currency, geography and sector.
• Connections — Open Banking and a read-only Trading 212 link, both optional.
• No storage cap — as with Standard, what it holds is bounded by the disk it is running on.
• Alerts and data health — price thresholds, net-worth thresholds, overdue items, stale prices and missing rates.

Advisory — a client book, and the evidence that goes with it

The Advisory edition is for regulated firms. It gives every client the Pro product, and gives the firm the supervision, governance and record-keeping layer that sits above it: a management-information dashboard, a vulnerable customer register, fair value and charge assessments, suitability reporting, a firm hierarchy and an immutable audit trail.

It is built around the FCA Consumer Duty’s four outcomes — products and services, price and value, consumer understanding and consumer support — and around the requirement to monitor outcomes, act on poor ones, and evidence both.

In Advisory, in addition to Pro

• Client book — step into a client’s account, with every access written to a log the client can read.
• Consumer Duty MI dashboard — outcomes, vulnerability, charges, reviews and complaints across the book.
• Vulnerable customer register — flag type, severity, support actions taken and review dates.
• Vulnerability scoring — an explainable score per client, with the contributing factors listed.
• Fair value and charge justification — value assessed by service tier and per client, RAG-rated.
• Annual review tracker — overdue, due soon and on track, with the review recorded when it is done.
• Risk assessment — an eight-question profile with a stated capacity for loss.
• Suitability reports — COBS 9.4 letters with a reference, generated from the client’s own file.
• Board report — the annual attestation across the four Consumer Duty outcomes.
• FCA evidence export — a structured supervisory pack in JSON and CSV.
• Platform overview and firm hierarchy — adviser performance side by side, and rolled up through CEO, MD, VP, Manager and Adviser tiers.
• Audit log — who accessed or changed what, and when, restricted to compliance.
• Client portal — a branded, expiring, read-only view you can send a client.