Private, end-to-end encrypted personal finance planning

See your financial future, today

Zukunft models every account in one place — savings, credit, BNPL, investments and pensions — and projects your balances forward over months or decades. Move a slider, and watch tomorrow change.

Get started — it’s free See it in action

No credit card required. Your data stays yours.

Zukunft · Net worthLive demo · sample data

Total net worth

£51,997.00

+£43,197.00 in 24 months

Built private from day one

End-to-end encryptedLocal-first databaseWorks offlineUK Open Banking syncNo ads, no data resale

See it in action

Your money, made legible

Explore the real Zukunft charts with sample data — net worth, monthly cash flow, projections, side-by-side scenario comparison, this month's timeline and your year in review.

Net worth over timeLive demo · sample data

Net worth

£51,997.00

Assets

£61,204.00

Liabilities

£9,207.00

By account

PrimaryCurrent

£7,870.0014.5%-£1,330.00

Cash ISASavings

£8,697.00210.6%£5,897.00

Emergency fundSavings

£6,443.0028.9%£1,443.00

Stocks & shares ISAInvestment

£14,918.00314.4%£11,318.00

PensionPension

£23,276.00158.6%£14,276.00

Credit cardCredit

£1,463.0033.5%-£737.00

Car financeLoan

£7,744.0058.4%-£10,856.00

Every account in one timeline — assets and debts tracked month by month so your true net worth is never a guess.

40-year

Projection horizon

100%

Projections run on your device

Servers that can read your data

£0

To start — free forever

Features

Planning-first, grounded in reality

Forecasting and goals come first — anchored to your real transactions, balances and interest, so every projection starts from where you actually are.

Forward projections

Project every account month-by-month with compound interest — from next year's cash flow to a 40-year retirement horizon.

What-if scenarios

Drag a slider to change a payment or contribution and watch the chart redraw instantly. Save and overlay named scenarios to compare plans.

Budgets with actuals

Set planned amounts per category, then track real spend against them. See over/under variance the moment transactions land.

Open Banking sync

Connect your UK bank or import CSV and OFX/QFX statements. Rules auto-categorise transactions so your history stays grounded in reality. (Open Banking is UK banks only for now.)

Goals & net worth

Track financial goals and watch a single timeline carry your real history into a projected net-worth future.

Encrypted & private

End-to-end encrypted with a key only you hold, stored in a local-only database with optional encrypted backups. No ads, no data resale.

Spending insight

Know exactly where it goes

Every transaction is auto-categorised into budget groups, so a year’s spending collapses into a story you can read at a glance. Spot the categories quietly eating your surplus — and the subscriptions you forgot you had.

Rule-based auto-categorisation keeps history tidy
Drill into any group down to the individual bill
Compare planned budgets against what really happened

Spending breakdownLive demo · sample data

Housing£16.2k

Food & groceries£6.8k

Transport£4.3k

Lifestyle & leisure£4k

Bills & utilities£2.9k

Everything else£2k

Privacy

Private by architecture, not by promise

Most apps ask you to trust that they won't look. Zukunft is built so it can't — your finances are encrypted on your device with a key only you hold.

Zero-knowledge encryption

Your finances are sealed on your device under a key derived from your passphrase. The key never leaves your device — we only ever store ciphertext, so we can't read your data and neither can a breach.

Local-first, works offline

Your data lives in your browser first and projections run on your device. Open the app with no connection and everything still works — and feels instant.

Encrypted sync across devices

Your phone and laptop stay in sync, end-to-end encrypted. Unlock a new device with your passphrase; the server only ever hands back ciphertext.

Own your data

Your database lives locally on your device by default. Turn on optional encrypted remote backups so you never lose it — and export everything whenever you like. Either way the data is yours.

End-to-end encryption is rolling out and pending an independent security review.

How it works

From today's balances to tomorrow's plan

Three steps from a blank page to a financial model you can actually steer.

Step 1

Bring in your accounts

Add income, savings, credit, BNPL, investments and pensions — or sync a bank and import statements to anchor on real balances.

Step 2

Model your assumptions

Set interest rates, contributions, income growth and minimum payments. Zukunft handles AER/APR, tax bands and inflation for you.

Step 3

Project & explore

See cash flow, debt payoff, and net worth play out across time horizons — then tweak the sliders to find the plan that works.

Three steps. Five minutes. Free.

Add a couple of accounts and see your first projection before the kettle boils.

Start planning free

Pricing

Start free. Upgrade when you're ready.

Keep your data local and end-to-end encrypted for nothing, or add live bank sync and optional encrypted remote backups.

Free

£0forever

Everything you need to plan your own finances, stored locally and end-to-end encrypted.

Unlimited accounts & projections
Local-only, end-to-end encrypted database
Budgets and goals
CSV / OFX import
Dark mode & PWA install

Get started

Pro

Questions, answered

How the encryption works, what syncs when, how projections are calculated — it’s all in the docs FAQ, where you can browse by topic or ask in your own words.

Browse the FAQ

Stop guessing. Start projecting.

Build a clear picture of where your money is headed — and the confidence to change course.

Get started