Horizon65 review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
For people planning retirement who want guidance across many options, Horizon65 combines a simulation app with brokered investments from over 160 providers. It suits beginners and experienced investors who prefer remote planning with expert discussion rather than managing choices alone.
Key facts
- Best for
- Retirement planners exploring long-term investment routes
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Free retirement planning app plus brokered products; remote service by telephone and video call↗
- Monthly fee
- €0↗
- Legal entity
- Horizon65 GmbH↗
- Headquarters
- Germany↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- horizon65.com
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- Simulation tool shows how current assets affect future retirement income
- Covers funds, commodities and pension plans in one planning journey
- Personalised recommendations plus expert calls explain suitable scenarios
- User data stored in Germany in certified data centres with layered security
Cons
- Focused only on long-term retirement planning rather than everyday saving
Who it suits
- Beginners seeking a straightforward route into long-term investing
- Planners who want retirement income forecasts
Who should look elsewhere
- Everyday savers seeking short-term accounts
How Horizon65 compares
Where Horizon65 is available
- Available
- Germany
- Licence in Germany
- Bezirksamt Mitte von Berlin Ordnungs- und Gewerbeamt (D-F-107-BGJA-69), checked September 26, 2026
- Licence in Germany
- IHK Berlin (D-3XN4-J9P4C-21), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Horizon65 help you do?+
Horizon65 centres on long-term retirement planning through an app based simulation. You record existing assets that support later life, then set goals, a retirement age and a target income. The tool illustrates how present choices could affect future income for beginners and experienced investors.
Which types of investment does Horizon65 cover?+
The service brokens funds, commodities and pension plans as routes toward retirement goals. It scans a wide market that includes more than 160 providers. Each possible choice is shown with advantages and disadvantages to support informed decisions.
Who is Horizon65 designed for?+
The service addresses beginners and experienced investors who want a straightforward view of long-term investing. It suits people who like to model different scenarios before acting. Those who prefer to manage investments without guidance may find the approach less relevant.
Does Horizon65 charge a monthly fee?+
The monthly fee at Horizon65 is €0. (Source, checked September 26, 2026)
Which company operates Horizon65?+
Horizon65 is operated by Horizon65 GmbH. (Source, checked September 26, 2026)
Where is Horizon65 based?+
Horizon65 is based in Germany. (Source, checked September 26, 2026)
How can I contact Horizon65 support?+
Horizon65 offers support through Email, Chat, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- horizon65.com/en checked September 26, 2026
Backs: Support channels
“Chat support - Have your questions answered quickly”
- horizon65.com/en/faq/horizon65/is-the-service-provided-by... checked September 26, 2026
Backs: Pricing model, Monthly fee
“when the service is automated (app) then it is free of charge”
- horizon65.com/en/faq/horizon65/where-is-horizon65-located checked September 26, 2026
Backs: Access terms, Headquarters
“As a digital company, we offer our services nationwide via telephone and video call”
- horizon65.com/en/imprint checked September 26, 2026
Backs: Deposit protection, Legal entity, Licences
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit.