Horizn Spica: Budget Planner
Your budget.
Your device.
Nobody else’s.
Spica by Horizn is a personal budget planner that works fully offline. No account, no cloud, no tracking — your financial data stays encrypted on your phone.
Coming soon to the app store
Features
Free or Pro? The difference is simple.
Free covers everyday budgeting. Pro adds tools for more advanced financial management.
Free
A complete everyday budget
No time limit and no transaction limits.
- 1 budget (mission)
- Transactions, spending plan & forecast — unlimited
- Statistics, history, search & Signals
- Emergency fund, alerts & reminders
- CSV import and export, plus full backup
- Achievements & budget protocols
- PIN, Face ID & offline encryption
Pro
Everything in Free — and more
For multiple budgets, goals, projects and business finances.
- Unlimited budgets (missions)
- Goals, investments, debts & net worth
- Automatic round-ups
- Category budgets, transfers & funding
- Projects, business costs & deductions
- Attachments, expense splitting & currencies
- Custom categories & field layout
In short: Free is for running your budget; Pro adds goals, multiple budgets, projects and extra transaction options.
| Feature | Free | Pro |
|---|---|---|
| Basics | ||
| Monthly budget & transactions | included | included |
| Transaction statuses: planned, pending, paid | included | included |
| Statistics & month history | included | included |
| Reminders & budget alerts | included | included |
| Signals — proactive insights | included | included |
| Achievements & budget protocols | included | included |
| Light/dark theme, English & Polish | included | included |
| Number of budgets (missions) | 1 | unlimited |
| Planning & budgets | ||
| Spending plan: recurring, one-offs & wishlist | unlimited | unlimited |
| Cost forecast for upcoming periods | included | included |
| Category budgets | not available | included |
| Budget transfers & funding | not available | included |
| Goals & wealth | ||
| Emergency fund (safety cushion) | included | included |
| Financial health score (0–100) | included | included |
| Goals & investments with automatic contributions | not available | included |
| Debts: installments & overpayments | not available | included |
| Net worth | not available | included |
| Round-ups towards goals | not available | included |
| Projects & business | ||
| Project costs | not available | included |
| Business costs & deductions | not available | included |
| Project obligation schedules: VAT, social security, installments | not available | included |
| Transactions & import | ||
| Import from a CSV file | included | included |
| Recurring payment detection | included | included |
| Search, filters & data exploration | included | included |
| Transaction export to CSV | included | included |
| Full-app backup (ZIP with attachments) & restore | included | included |
| Attachments, splitting & currency conversion | not available | included |
| Custom categories & field layout | not available | included |
| Privacy & security | ||
| PIN & Face ID lock | included | included |
| Offline data, AES-256 encrypted | included | included |
| Delete all data in one action | included | included |
Privacy
Offline is not a feature.
It’s the architecture.
There is no Spica server. There is no Spica account. Your data physically cannot leak from infrastructure that doesn’t exist.
- Encrypted on deviceAES-256, key stored in the iOS Keychain.
- No analytics, no adsWe don’t monitor what you enter in the app.
- Backed up by iOSYour device backup (e.g. iCloud) carries your data to a new phone.
- Delete everything, anytimeOne action wipes all data, the PIN and the encryption key.