Every account, any currency, one horizon.

Standard — what Microsoft Money did, without the Windows

Standard is meant as a straight swap. 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. It shows you what it found, account by account with the balances it worked out, 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.
• A Money 2005 skin — the navy rail, the blue banner, squared corners and Tahoma, as a third choice beside light and dark. The charts change colour with it. Nothing moves.
• Offline reading — what you have looked at stays on the device, with a line at the top saying when the figures were saved. Changes you make with no signal are held and sent in order once you are back.
• Renewals that hold the policy — who it is with, the number, the cover, what it cost and whom to ring, read out of the insurer’s letter if you paste it in.
• Nominees and readiness — name someone who can look at your accounts if you cannot, behind a waiting period and a code, and keep a checklist of what would be needed on the day.
• Household access — share an account with a partner, or give read-only access, and see who has looked at what.

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

Money told you where you stood. Pro tells you where you are heading. Whether the plan works. What the month needs. What a holding might be worth. What the tax will come to.

Long-term planning

Build a plan and see it year by year. Say what you want to live on, and it works out how much of that your guaranteed income covers — state pension, defined benefit, earnings — then draws the rest from your pots, with enough extra to cover the tax. It tells you the first year you fall short, when each pot runs out, and what is left at the end.

There are three outlooks, what-if scenarios, and a Monte Carlo simulation that gives you a range instead of one line. You decide the order you spend your pots in, because that is a tax decision rather than a sum.

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 picked and what else it looked at. The transfers are grouped by the bank you log into, so you make one visit per login rather than one per payment.

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 each cell. A single growth rate cannot tell one company apart from another, and an unlisted holding has no market price at all, so 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 options worth thinking about. For capital gains it uses FIFO or the full UK matching rules: same day, then the following 30 days, then the pool. It brings in your unused losses and your allowance too.

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.
• Pension calculator — two questions, answered from the pensions you already hold, shown year by year, with every pot behind the figure listed.
• Months of cover — cash and savings against a month’s outgoings, on the home page, with both figures written underneath.
• Irish deemed disposal — the charge that falls every eighth year, worked out for each holding. Most other tools ignore it.
• Tax inside the forecast — the real bands for each year and country, capital gains on what you sell to live on, dividend tax by band, and a couple taxed as two people.
• Inheritance tax for every year — the estate, the nil-rate bands and their taper, business relief, unused pensions from 2027, and a gift plan with taper relief over seven years.
• Tax checks — a row per check and a column per year, so you see the year a problem arrives rather than the year it arrived.
• Scenarios — every assumption listed with where it came from, one-click questions worked out from your own figures, and a proper comparison of lifetime tax and first shortfall.
• Plan against actual — freeze a forecast as a baseline and check it against your own snapshots, year by year and pot by pot.
• No storage cap — as with Standard, the only limit is the size of your disk.
• Alerts and data health — price thresholds, net-worth thresholds, overdue items, stale prices and missing rates.

Advisory — a client book, and the records that go with it

The Advisory edition is for regulated firms. Every client gets the Pro product. The firm gets what sits above it: a management-information dashboard, a vulnerable customer register, fair value and charge assessments, suitability reporting, a firm hierarchy and an audit trail that cannot be edited.

It is built around the FCA Consumer Duty’s four outcomes: products and services, price and value, consumer understanding and consumer support. It also covers what the Duty asks a firm to do about them, which is watch for poor outcomes, act on them, and be able to show it did.

In Advisory, in addition to Pro

• Client book — step into a client’s account. Every time you do, it is 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 looked at or changed what, and when. Only compliance can open it.
• Client portal — a branded, expiring, read-only view you can send a client.