Horizon Checkbook vs MintMonitor

Track your spending, schedule upcoming transactions, and use **Look Ahead** to see your future balances before the money leaves your account. Know what’s really available to spend and avoid the surprise of an upcoming bill pushing your balance too low. SEE WHAT’S AHEAD Look Ahead projects your balance into the future using the transactions you’ve already scheduled. See the impact of upcoming bills, subscriptions, purchases, paychecks, and deposits before they happen. AVOID OVERDRAFTS Spot potential shortfalls before they become overdrafts. Horizon gives you time to adjust your spending, move money, or plan around upcoming expenses. KNOW YOUR TRUE BALANCE Track transactions as they happen and mark payments as cleared when they appear at your bank. See the difference between what your bank reports and what you actually have available after accounting for transactions still in progress. Horizon combines the clarity of a traditional checkbook register with something a checkbook can’t give you: a clear view of what comes next. Know what you have. See what’s ahead. Stay ahead of overdrafts.

MintMonitor projects your balance forward, one day at a time. Most budgeting apps are good at telling you where the money went. MintMonitor tells you where it's going: bills and paychecks land on their real dates instead of being smoothed into a monthly average, so you can see the day your balance dips while there's still time to do something about it. YOUR BALANCE, THREE MONTHS AHEAD • Every day between today and three months out, with the balance at the close of each one • Read it as three figures or as a balance chart, drawn from the same day-by-day walk • The low point in each cycle, dated — a tight week is visible before you reach it • Cleared and pending kept apart, so you know what's actually in the account A PROJECTED CALENDAR YOU CAN READ TWO WAYS • A month grid showing each day's net movement and the balance after it • Or a table: one row per day, with income, expenses and the projected balance in their own columns • Tap any day to see what it's made of — every bill, paycheck and budgeted amount behind the figure • Pick the one the dashboard opens in, and switch whenever you like BILLS AND PAYCHECKS ON THEIR REAL DATES • Bills weekly, every two weeks, monthly, quarterly or annual • Paychecks weekly, every two weeks, twice a month or monthly • Add a bill as paid, or drop one from the month when it isn't happening • Reminders ahead of a due date, and a follow-up if one goes past due BUDGETS THAT MATCH HOW YOU'RE PAID • A budget per category, by week, two weeks, half-month or month • Dated bills come out of their budget rather than on top of it • Alerts when a category is near its limit or over it — you pick the point • Start your budget cycle on the day you're actually paid, not the 1st • Choose which day your weeks begin, separately from that cycle WHERE THE MONEY IS GOING • Spending broken down by category over 30, 60 or 90 days, or six months • Income against expenses, month by month • Savings goals with a target amount and a target date, editable as plans change • Reserve a goal's contribution as a budget, on the day the money actually moves SET UP IN ONE SITTING • A guided walkthrough for your starting balance, income and budgets • Suggested budgets to start from, rather than a blank page • Set up mid-month and the first cycle scales to the days that are left • A tour of the app whenever you want it again YOUR TRANSACTIONS, AND YOUR WAY OUT • Filter by date, type, cleared status or category, and save the view you use most • Export your full history to CSV whenever you want it BACKED UP AND IN STEP • Cloud backup after changes, restored on any device you sign in to • Sign in with Apple, and delete your account and its data from inside the app BUILT TO BE PLAIN • Every figure traceable to what produced it — no unexplained numbers • Dark and light themes • Eight currencies • A glossary of every term the app uses NO BANK CONNECTION MintMonitor never asks for your bank login. You enter what you earn and what you owe, and every projection is built from that. SUBSCRIPTION MintMonitor Access unlocks the whole app — no limited tier, no upsells inside. Choose monthly or annual, starting with a free trial. Payment is charged to your Apple ID at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID settings. MintMonitor is a budgeting tool. It doesn't give financial advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/