Horizon65: Tax deductions

🧭💰Pay less taxes in Germany! .🇩🇪

Can't afford an expensive tax consultant or financial planner?
Don't worry, Horizon65 allows you to plan your finances yourself whether its maximizing tax advantages, understanding tax-efficient investments or comparing tax-deductible insurances.

Horizon65 is a tax income simulator where you can learn on your own time, without pressure about finance and how choices will affect you in the future.

The app analyzes your tax efficiency and where you can improve.
It also forecasts your after-tax income from any investments you may have.

The app shows all the numbers in today's money and after-tax to make it intuitive to use.

For advanced users, you can modify all the assumptions made in the simulator settings so you can see how your income would look like in many different circumstances (e.g. persistent high inflation scenario)

How does investment income forecast work?

First, we estimate the impact of your existing investments as well acquired rights such as your German state pension.

The app currently supports private pension plans, company pension plans, saving in the bank and real-estate with more investments coming soon.

Second, Set your desired outcome such as age when you want to retire or how much income you want when you retire. Our simulator allows you to play with both good future scenarios and bad scenarios (e.g. housing market crash)

Third, Horizon65 has modelled many financial investments available in Germany taking into account often forgotten factors such as inflation, taxation and costs.

The app gives you a very clear overview of potential investments that can meet your goals and supplement your existing investments.

And last, we apply taxation rules related to those investments in Germany so that you can see everything in after-tax income.

The app allows you to explore many long-term investments in a simple and intuitive way.

The end result is that you can investigate easily additional investments and answer questions that otherwise would require you to build advanced excels to answer on your own.

The app is deliberately designed for those who do not have a background or interest in finance where we take care of all the financial calculations and just request the necessary information from you to make a good prediction.

While there are many explanations inside the app, should you still have any questions then our in-house experts are available to support you.

What Horizon65 is not? 👎

❌ Crypto investment app, we don't model speculative investments
❌ Stock trading app, there are already plenty of those
❌ Push you to make an investment, the app has no-strings attached
❌ Tied to any provider, we are completely independent
❌ Robo-advisor where nobody answers support questions.
❌ Ignorant of taxation, many investments look good until you have to pay taxes
❌ Opinionated about what you should invest in

How is my data secured?

Horizon65 takes data security very seriously and if fully GDPR compliant, in addition to that we have taken extra steps to secure your data.

Data center in Germany: Your data is processed exclusively on data servers in Germany and is subject to strict German data protection laws.

Encryption: Your data is fully encrypted in-flight and at-rest which conforms to a security standard many banks use.

No data sharing: Horizon65 does not share your data with any third party, we consider the data collected to be a privilege and a competitive advantage over other brokers.

Account security: Horizon65 prevents any unauthorized access to your account through a second-factor authentication so we can guarantee that only you can see your own data.

If you have any questions, feel free to send us an email at support@horizon65.com or call us at +49(0)3083796113.

Recent changes:
Major update!

We've added more than 500 ETF's to the investment simulator!
Simulate how much your investment into ETF's can be worth through various market scenarios.
Our simulator automatically backtests your ETF investments based on its historical performance and shows you what income you can expect to have in these scenarios.