Comparison
What is in each edition
Free and Standard hold exactly the same features. The difference is three numbers: Free stops at 30 accounts, 1,000 transactions and 5 MB of storage, and Standard stops at none of them. Pro adds everything to do with planning ahead, tax and forecasting. The Advisory edition contains all of Pro, plus the supervision and compliance layer described in The Advisory.
✓ included · Partial included with a stated limit · — not in this edition
| Feature | Free | Standard | Pro |
|---|---|---|---|
| Limits | |||
| Accounts | 30 | Unlimited | Unlimited |
| Transactions | 1,000 | Unlimited | Unlimited |
| Storage, including the files you attachYour records and any documents filed against an account, counted together. | 5 MB | Unlimited | Unlimited |
| Time limit or trial periodFree is not a trial. It does not expire. | None | None | None |
| Export your data at any time | ✓ | ✓ | ✓ |
| Accounts and the register | |||
| Full account taxonomyCurrent, savings, credit card, loan, mortgage, investment, pension, property, vehicle, liability and more. | ✓ | ✓ | ✓ |
| Per-account country, currency and tax wrapperISA, SIPP, GIA, QROPS, bonds, pensions; offshore flag. | ✓ | ✓ | ✓ |
| Transaction register with a running balance | ✓ | ✓ | ✓ |
| Split transactions | ✓ | ✓ | ✓ |
| Matched transfers between your own accountsDouble-sided and linked, including across currencies. | ✓ | ✓ | ✓ |
| Payees, with logos and a website guessed from the narrative | ✓ | ✓ | ✓ |
| Categories, including your own | ✓ | ✓ | ✓ |
Arithmetic typed into an amount box120+45.50+18, 240/3. | ✓ | ✓ | ✓ |
| Bulk edit and bulk delete | ✓ | ✓ | ✓ |
| Credit-card headroom, statement cycle and payment day | ✓ | ✓ | ✓ |
| Loans and mortgages with an interest rate and schedule | ✓ | ✓ | ✓ |
| Payslip breakdown — gross to net, reconciled to the bank | ✓ | ✓ | ✓ |
| Money coming in and going out | |||
| Repeating income and payments, weekly to yearly | ✓ | ✓ | ✓ |
| The month of bills laid out as a calendar | ✓ | ✓ | ✓ |
| Estimated amounts, and a per-occurrence overrideSkip this month, change this month’s amount, move the date. | ✓ | ✓ | ✓ |
| Turn a register entry into a repeating item | ✓ | ✓ | ✓ |
| Renewals — insurance, subscriptions, fixed-rate terms | ✓ | ✓ | ✓ |
| Twelve-month cash-flow forecast | — | — | ✓ |
| Month-end funding planThe picture of the month per account, the transfer worksheet, the reason each source was chosen. | — | — | ✓ |
| Bank instruction list, grouped by the login you use | — | — | ✓ |
| Saved transfer lists and a movement journal | — | — | ✓ |
| Minimum planned balance and earmarked money | — | — | ✓ |
| Monthly pack — one printable run of where you stand | — | — | ✓ |
| Investments and portfolio | |||
| Holdings, quantities and prices in the quoted currency | ✓ | ✓ | ✓ |
| Lot tracking on every purchase and disposal | ✓ | ✓ | ✓ |
| An investment account’s own cash side | ✓ | ✓ | ✓ |
| Share splits and consolidations | ✓ | ✓ | ✓ |
| Price history, a chart over time and a benchmark to compare against | ✓ | ✓ | ✓ |
| Manual price entry and price import | ✓ | ✓ | ✓ |
| Automatic price refresh from a market-data provider | ✓ | ✓ | ✓ |
| Valuations you enter for accounts that cannot price themselvesA workplace pension holds no instrument with a market price; a statement is the only source there is. | ✓ | ✓ | ✓ |
| Asset allocation by class, geography and sector | ✓ | ✓ | ✓ |
| Currency exposure | ✓ | ✓ | ✓ |
| Rebalancing against a target allocation | — | — | ✓ |
| Dividend tracker with withholding tax | — | — | ✓ |
| CFD and spread-betting accounts | ✓ | ✓ | ✓ |
| Share price forecast grid, per instrument and per date | — | — | ✓ |
| Net worth and currency | |||
| One net worth figure, with the sum shown line by line | ✓ | ✓ | ✓ |
| Snapshots and a net-worth chart over time | ✓ | ✓ | ✓ |
| Any number of currencies, in one household | ✓ | ✓ | ✓ |
| Historic exchange rate held per transactionNative amount, base amount, rate, date and source, on every entry. | ✓ | ✓ | ✓ |
| Multiple jurisdictions in one picture | ✓ | ✓ | ✓ |
| Bringing data in and taking it out | |||
Import a Microsoft Money file.mny, .mdb/.accdb, and Money’s own export workbook. | ✓ | ✓ | ✓ |
| Import QIF and OFX | ✓ | ✓ | ✓ |
| Import any CSV or spreadsheet, with the columns mapped by you | ✓ | ✓ | ✓ |
| Broker and bank formats recognised automaticallyTrading 212, Saxo, Barclays and others. | ✓ | ✓ | ✓ |
| Preview and balance reconciliation before anything is saved | ✓ | ✓ | ✓ |
| Duplicate detection across the whole household | ✓ | ✓ | ✓ |
| Saved import profiles for a file you get every month | ✓ | ✓ | ✓ |
| Export to CSV, Excel, QIF and OFX | ✓ | ✓ | ✓ |
| Open Banking connection to a bankOptional, and never required for the product to work. | — | — | ✓ |
| Read-only broker connectionTrading 212. The trading endpoints are deliberately not reachable. | — | — | ✓ |
| Reports | |||
| Report gallery under Microsoft Money’s own headings | ✓ | ✓ | ✓ |
| Spending by category and by payee | ✓ | ✓ | ✓ |
| Period-against-period comparison reports | ✓ | ✓ | ✓ |
| Transactions by category, by payee, and per account | ✓ | ✓ | ✓ |
| Account balances with detail | ✓ | ✓ | ✓ |
| Saved reports you can return to | ✓ | ✓ | ✓ |
| Wealth report, printable or saved as a PDF | ✓ | ✓ | ✓ |
| Planning ahead | |||
| Savings goals with a progress estimate | ✓ | ✓ | ✓ |
| Savings estimator — what it would take to reach a figure | ✓ | ✓ | ✓ |
| Guided planning wizard, with the questions that apply to you | — | — | ✓ |
| Advanced Planner — year-by-year projection with your own assumptions | — | — | ✓ |
| Need-driven drawdown from a stated target spendGuaranteed income first, taxed; the shortfall drawn from pots in the order you set. | — | — | ✓ |
| Cautious, expected and optimistic outlooks | — | — | ✓ |
| Monte Carlo simulation | — | — | ✓ |
| What-if scenarios that are not saved to the plan | — | — | ✓ |
| Pensions, income streams, inflation and retirement spending | — | — | ✓ |
| FIRE mode — FIRE number, savings rate, Coast, Barista, bridge planner | — | — | ✓ |
| Roadmap — goals, plan and actual wealth on one timeline | — | — | ✓ |
| Multiple plans, exported and imported as files | — | — | ✓ |
| Tax | |||
| Tax calculator — income, gains and allowances | — | — | ✓ |
| Allowances used and remainingISA, pension, CGT and others, with days to 5 April. | — | — | ✓ |
| Capital gains — FIFO or the full UK matching rulesSame day, then the following 30 days, then the pool. | — | — | ✓ |
| CGT optimiser with loss-harvest opportunities | — | — | ✓ |
| Dividend tax and foreign withholding | — | — | ✓ |
| Up to three jurisdictions side by side | — | — | ✓ |
| Residency day counts and a travel timeline import | — | — | ✓ |
| Rate profiles and a rate history | — | — | ✓ |
| Estate and inheritance tax | |||
| Estate valuation from your own accounts | — | — | ✓ |
| IHT liability with the nil-rate bands applied, shown line by line | — | — | ✓ |
| Residence nil-rate band | — | — | ✓ |
| Gift register against the seven-year rule | — | — | ✓ |
| Annual gift allowance tracking | — | — | ✓ |
| Estate planning strategies, quantified | — | — | ✓ |
| Household, documents and data | |||
| Documents filed against an account | ✓ | ✓ | ✓ |
| Household members, with per-account read, write or payment access | ✓ | ✓ | ✓ |
| Child accounts with a controlled access level | ✓ | ✓ | ✓ |
| Account Access — see who at a firm opened your account | ✓ | ✓ | ✓ |
| Share your plan with an adviser, and revoke it | — | — | ✓ |
| Manual backup and restore | ✓ | ✓ | ✓ |
| Scheduled backups with a retention count | ✓ | ✓ | ✓ |
| Backups encrypted with a passphrase you setAES-256-GCM, key derived with PBKDF2-SHA256 over 100,000 iterations. | ✓ | ✓ | ✓ |
| Data health — stale prices, missing rates, gaps | ✓ | ✓ | ✓ |
| Custom alerts on price and net-worth thresholds | — | — | ✓ |
| Accounts, access and platform | |||
| Runs in a browser on phone, tablet and desktop | ✓ | ✓ | ✓ |
| Two-factor authentication | ✓ | ✓ | ✓ |
| Dark mode, and a navigation rail you can move | ✓ | ✓ | ✓ |
| In-app manual and page-by-page help | ✓ | ✓ | ✓ |
| Self-hosted, on your own hardware or cloud | ✓ | ✓ | ✓ |
| Works with no internet connection | ✓ | ✓ | ✓ |
About the storage limit. It counts your records and any documents you file against an account, together. If you do not attach documents you will reach the transaction limit first; if you do, storage is what you will reach first — a few scanned statements go further than a year of entries. Free keeps its 5 MB wherever it runs, because that is what makes it a free edition rather than a trial; Standard and Pro are bounded by the disk they are running on and nothing else. WealthHorizon tells you which limit you are approaching rather than refusing a save without saying why.
The Advisory edition contains everything in the Pro column for every client, and adds the supervision, Consumer Duty and record-keeping layer for the firm. It is described in full in The Advisory.
Coming from Microsoft Money
WealthHorizon compared with Microsoft Money
Microsoft withdrew Money from sale in 2009 and switched off its online services in 2011. The free “Sunset” build still runs on Windows, offline and unsupported, which is why a lot of people are still using it — it does the job and there has been nothing quite like it since.
The table below is an honest account of what carries over and what does not. Where Money did something well, that is said. WealthHorizon was written to be the same tool for the same job, not a different one with the same name.
| Capability | Microsoft Money | WealthHorizon |
|---|---|---|
| The product itself | ||
| Still sold and supported | No. Withdrawn from sale in 2009; online services ended in 2011. The Sunset build is unsupported and receives no fixes. | Yes. In active development, with a versioned release on every change. |
| Where it runs | A Windows desktop application, installed on one machine. | A browser. The same account on a phone, a tablet and a desktop, with layouts written for each. |
| Where the data lives | A single .mny file on that machine. |
A PostgreSQL database you can run on your own hardware, or hosted. Either way it exports in four open formats. |
| Works with no internet connection | Yes — the Sunset build has no online services at all. | Yes. Market data, Open Banking and email are optional; with none configured the product still works. |
| More than one person | One file, one user at a time. | A household, with per-account read, write or payment access, and a controlled level for children. |
| The register — what Money was best at | ||
| Running balance after every row | Yes. The reason people reconcile in Money. | Yes — counted from the opening balance in date order, correct on every page, and greyed out when you sort by something other than date because the figure only means something in date order. |
| Arithmetic in the amount box | Yes. The most-missed thing about that register. | Yes, in every money field — 120+45.50+18, 240/3, -10+(2*8). |
| Splits | Yes. | Yes, including on imported rows and payslips. |
| Matched transfers between your own accounts | Yes, in one currency. | Yes, and across currencies — you enter the exact amount that arrived. |
| Bills and deposits as a calendar | Yes. | Yes, with estimated amounts, and a per-occurrence override for the month that is different. |
| Payees and categories | Yes. | Yes, with a logo beside each payee and a website worked out from the bank narrative. |
| Investments | ||
| Holdings and an investment account’s own cash | Yes. | Yes, with an explicit rule about what an account is worth so that no two screens can disagree. |
| Automatic price updates | No longer. The quote service was part of the online services that ended in 2011. | Yes, with a daily price kept per instrument, so a year of holding something is a year of closes you can chart. |
| Lot tracking for capital gains | Partial. Cost basis was recorded, but not the UK matching rules. | Yes — FIFO or the full UK rules: same day, then the following 30 days, then the pool. |
| Share splits and consolidations | Yes. | Yes, recorded as an input to the lot replay rather than an edit to its result, so the history stays reconstructable. |
| Unlisted holdings and workplace pensions | Partial — a manually maintained value. | Yes — a valuation you enter from the provider’s statement, ranked explicitly against imported and priced figures. |
| Currency and jurisdiction | ||
| More than one currency | Partial — one rate per currency, held as a current value. | Yes — every transaction keeps its own native amount, base amount, rate, date and source, so history does not move when today’s rate does. |
| More than one country | No. Money shipped as separate national editions. | Yes — per-account jurisdiction and tax wrapper, residency day counts, and up to three tax jurisdictions side by side. |
| Reports and analysis | ||
| Report gallery | Yes — spending, comparison, transaction and balance reports under familiar headings. | Yes, arranged under Money’s own headings so the report you used is where you expect it. |
| Asset allocation and currency exposure | Partial. | Yes — by asset class, geography, sector and currency, with a rebalancing view against a target. |
| Net worth over time | Yes. | Yes, with the arithmetic openable underneath: each account, its rate and what it came to. |
| Planning and tax | ||
| Long-term retirement projection | A lifetime planner with fixed assumptions. | Yes (Pro) — your own assumptions, three outlooks, Monte Carlo, need-driven drawdown from a stated target spend, and a withdrawal order you set. |
| Month-end funding plan | No. | Yes (Pro) — what each account faces this month, what to move from where, why, and the list grouped by the bank you log into. |
| Share price forecasting | No. | Yes (Pro) — a grid of instruments against dates, imported from and exported to the spreadsheet you already keep. |
| Inheritance tax | No. | Yes (Pro) — liability with nil-rate bands, the seven-year gift register, and quantified strategies. |
| Capital gains tax | Cost basis only. | Yes (Pro) — UK matching rules, allowance and losses, plus an optimiser that finds harvesting opportunities. |
| Adviser and compliance tooling | No. | Yes (Advisory) — a full FCA Consumer Duty suite. See The Advisory. |
| Getting your history across | ||
| Reading a Money file | — | Yes — .mny, .mdb/.accdb, and Money’s own export workbook, with the balances it calculated shown for checking before anything is committed. |
| QIF and OFX | Yes. | Yes, both in and out. |
| Getting your data back out | Limited — QIF export, and reports to a spreadsheet. | Yes — CSV, Excel, QIF and OFX per account, plus a full encrypted backup you hold. |
| Backups | Yes — a copy of the file. | Yes — scheduled, retained, and encrypted with a passphrase you set. |
Statements about Microsoft Money describe the product as Microsoft last released it and the Sunset build that remains available. Microsoft and Microsoft Money are trademarks of Microsoft Corporation; WealthHorizon is not affiliated with or endorsed by Microsoft.