Spending insights for Apple Card

See where your money goes

Horizon turns your Apple Card activity into a clear picture of your household's spending: where this month is headed, what's creeping up, and what you pay for every month.

Download on the App StoreWho It's For
  • Free
  • No bank logins
  • Stays on your devices
Overview for October: $3,058.83 spent by day 25, up 10% on September, 61% of a $5,000 budget, the month's running total against September's, then categories

Made for Apple Card

Horizon works directly with Apple Card in Wallet. Connect it with one tap on your iPhone: no bank logins, no third-party services, nothing else to link.

All you needis an iPhone with Apple Card in Wallet. Your iPad picks everything up through iCloud. It's for the card's owner and co-owner: Apple doesn't share Apple Card with apps for Apple Card Family participants.

What it reads

  • Apple CardPurchases, refunds, payments and statements
  • Apple CashMoney sent, received and spent
  • SavingsDeposits, withdrawals and interest

Sharing a card? You'll see both co-owners' purchases.

What it doesn't

  • Other cards and banksHorizon works with Apple Card only
  • Bank loginsConnect once, right from Wallet
  • Android or the webMade for iPhone and iPad

Apple Card is available in the US.

Features

Are we spending more than we used to?

Every Month, Every Category

See every month side by side, and spot what's creeping up before it adds up.

  • Every month stacked by category, against your average month
  • Every category's trend at a glance
  • Your highest month, and this one so far
Trends: an average month of $3,650, twelve months stacked by category against it, the highest month and this one so far, then each category's months with its change

Will we stay on budget?

Budgets That Know Your Bills Are Coming

Budget the whole month, each category, or both. Bills and subscriptions count before they arrive, so a quiet first week never looks better than it is.

  • Subscriptions and bills still to come count toward the month's projection
  • On pace or over, for the month and for every category
  • What's left to spend, and how much per day
Budgets: $3,059 spent of a $5,000 budget on day 25, on pace for $3,699, with $1,941 left, then each category's bar against its budget

What do we pay for every month?

Every Subscription in One Place

Horizon finds your subscriptions and bills automatically, then keeps an eye on them for you.

  • Found automatically, with what's due next
  • Know when a price goes up or a charge stops
  • What it all adds up to, each month and each year
Recurring: $405.74 committed each month, $4,869 a year, Spotify up $1.00 since August and Orangetheory with no charge since August 4, then the active bills with when each is due

What have we spent there?

Every Purchase, Every Detail

Tap any merchant to see every visit and what it's added up to. Tap any purchase for the full story behind it.

  • Every merchant's whole history, year by year
  • Recategorize, add a note, or leave a purchase out of your totals
  • Make a rule from any purchase, so the next one sorts itself
Trader Joe's: $2,092 spent since November 2025 over 42 visits, its last 12 months as bars, then by year and every purchase

Where did that charge come from?

Find Any Purchase in a Moment

Every purchase on your card, searchable in a moment.

  • By merchant, note, category or amount
  • Filter by date, person or account
  • See the total for whatever you find
Search for Starbucks: 35 results totalling $248.27 in the last three months, the merchant, then each visit by day

Who spent what?

One Card, the Whole Household

Share an Apple Card? Assign purchases to the people in your household once, and rules take care of the rest.

  • Assign purchases to the people in your household, or to Shared
  • Rules sort purchases by merchant, category, amount or time of day
  • See any screen for one person, or for everyone
Rules: Publix to Shared, Starbucks to Alex, weekday dining under $20 to Sam, and two that set a category

On a bigger screen?

Made for iPad and iPhone Duo

On a bigger screen, Horizon spreads out. Your categories, rules and budgets stay in step on every device through iCloud.

  • Everything from your iPhone, on iPad through iCloud
  • Open a purchase beside the month it belongs to
  • iPhone Duo: your month on the cover, the whole picture when it opens
Horizon on iPad: October's Overview with a pending Publix purchase open beside it

Private by Design

Your spending says a lot about your household. Horizon keeps it between you and your devices.

Read the Privacy Policy
Stays on your devices
Your spending lives on your devices and in your own private iCloud. It's never sent to us.
No servers, no accounts
Nothing to sign up for, no bank logins, and no third parties in between.
Nothing collected
No analytics, no ads and no tracking. The App Store lists Horizon as Data Not Collected.
Locked when you want
Lock Horizon with Face ID if you like. Your spending stays hidden in the app switcher either way.

Know Where Your Money Goes

Free on the App Store for iPhone and iPad, with no in-app purchases. All you need is an iPhone with Apple Card in Wallet.

Download on the App Store