Horalis. Own your hours.
Free, private digital tools that work in any country, built in Europe. Every calculation happens on your device.
Principles
Five principles, each with a rule you can check
Every Horalis product is held to them. Each one comes with rules anyone can check, and what is still missing is public.
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Your data stays on your device
No app sends personal data to a server. Everything is worked out on your device.
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Transparent
Every product is free to use: no account, no ads, no payment.
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Truly European
Everything is in at least English and Spanish, with numbers written each language's way.
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Light
Every page weighs under 350 KB on a first visit, compressed. That limit is published here.
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For everyone
Short sentences and no jargon. A test checks every text, in every language.
How it fits together
One engine, three rings
The engine at the centre, then data and methods, the tools and the connections.
Engine
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Engine
What every tool shares: calculations, languages, currencies, number formats and the checks every page passes. The centre: everything starts here.
Data and methods
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Official data
World Bank, Eurostat and Unicode CLDR, brought up to date once a year. Needs: Engine.
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Past returns
US stocks, German bonds and gold, year by year, after inflation. Needs: Engine.
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Methods
Each calculation with its public sheet: formula, assumptions, sources and limits. Needs: Engine.
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Withdrawal rate
The most a year that lasted 30 years in an investment's past, from every start year. Needs: Engine, Past returns, Methods.
Tools
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Horalis Growth
Plan your money without giving it away. Needs: Official data, Past returns, Methods, Withdrawal rate.
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Horalis Glossary
What money words mean, each with an example in numbers. Needs: Engine, Methods.
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Horalis Yield Curve
The euro area yield curve since 2004, with its recessions: a signal, not a forecast. Needs: Engine, Official data.
Connections
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Offline and download
Each tool works without a connection, and the whole set opens from your disk. Needs: Engine.
Every question, and the tool that answers it
- How much will my money grow? Open Horalis Growth
- How much does it give me a month today? Open Horalis Growth
- What would have happened to my plan in real crises? Open Horalis Growth
- When will my savings be enough to live off them in Portugal? Open Horalis Growth
- What does a money word mean? Open Horalis Glossary
- What does the yield curve say about the economy? Open Horalis Yield Curve
Every tool, on your computer
Every tool in one .zip. They open from your disk, with no connection.
Download Horalis 2026.10.16 (.zip, 1.2 MB)
Needs a current browser (Chrome, Edge, Firefox or Safari). Unzip it and open index.html.
How we build
A factory, its pieces and research
We never start from zero. Each new tool stands on what the others already proved.
Forja
The factory
It makes each new tool on the shared base, with tests that already pass.
seed-kit
The pieces
Colours, header and footer, languages, privacy and the checks every page passes.
Research
The research
It decides and tests every method. No method changes without its own card.
- This site
- Horalis Growth
- Horalis Glossary
- Horalis Yield Curve
- A new tool
Forja makes it
seed-kit
- colours
- header and footer
- languages
- privacy
- checks
Research decides and tests the methods
So every tool is private, light and in English and Spanish from day one. Each method has its card, with its sources and its limits.
What makes us different
What a typical app asks of you, and what we ask
We name no one. These are common habits on the web.
| A typical app | Horalis | |
|---|---|---|
| An account | Often required | Never |
| Tracking | Analytics and ad trackers | None |
| Your data | Kept on their servers | Stays on your device |
| Ads | Often | Never |
| Page weight | About 2,311 KB: the median web page on a phone | 19 KB at most on this site, measured when it was built |
The median comes from the HTTP Archive Web Almanac 2024.
Impact
What it brings, in figures
People, planet, digital sovereignty and benefit: each line with a fact you can check.
People
Free for personal use, with no account. Built for keyboard and screen readers.
Planet
15 KB per page on average: about 0.0022 g of CO₂e per visit, estimated with Sustainable Web Design v4.
Digital sovereignty
0 requests to other servers. Public data and public methods.
Benefit
No ads and no selling of data. No income today.
In numbers
Measured when this site was built
- cookies
- 0
- trackers
- 0
- KB at most per page
- 19
- languages
- 2
- countries in our data
- 122
- tools built on the platform
- 3