HorizonLedger

HorizonLedger is a web + mobile app (traditional with light AI) that helps people set realistic time horizons for big life goals—career shifts, financial milestones, health targets, family plans—and keep them honest over years. Instead of motivational fluff, it forces estimates, confidence ranges, dependencies, and “what would change my mind” triggers. Users create a Horizon Card for each long-term goal, attach measurable indicators (salary, savings rate, VO2 max, portfolio projects), and schedule quarterly reviews. The app tracks drift: when timelines slip, it asks why, logs causes (over-optimism, missing prerequisites, life events), and updates future forecasts. A lightweight AI assistant summarizes review notes, flags inconsistent assumptions, and suggests smaller milestone breakdowns, but it doesn’t pretend to predict your life. The result is a personal time-horizon ledger you can actually maintain without turning it into a second job.