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.
No credit card required. Your data stays yours.
Total net worth
£52,301.00
+£40,861.00 in 24 months
Connect the accounts you already have
Supported banks shown are illustrative. Open Banking coverage varies by region.
See it in action
Your money, made legible
Explore the real Zukunft charts with sample data — net worth, monthly cash flow, projections, this month's timeline and your year in review.
Net worth
£52,301.00
Assets
£60,501.00
Liabilities
£8,200.00
By account
Every account in one timeline — assets and debts tracked month by month so your true net worth is never a guess.
£48M+
Projected by our planners
12,000+
People planning ahead
2,000+
Banks ready to connect
4.9 / 5
Average planner rating
Figures shown are illustrative placeholders.
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.
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
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.
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.
Bring in your accounts
Add income, outgoings, savings, credit, BNPL, investments and pensions — or sync a bank and import statements to anchor on real balances.
Model your assumptions
Set interest rates, contributions, income growth and minimum payments. Zukunft handles AER/APR, tax bands and inflation for you.
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.
Loved by planners
People who can finally see ahead
What early users say after putting their whole financial picture in one place.
“I finally know what my finances look like five years out. Dragging a slider to test a bigger pension contribution and watching the curve move is genuinely addictive.”
Alex Rendle
Product designer, Bristol
“The year-in-review broke down exactly where our money went — we cut £200 a month of subscriptions we'd forgotten about within a week.”
Priya & Sam
Planning together, Leeds
“Local-first and end-to-end encrypted was the dealbreaker for me. My bank data never leaves my control, and it still syncs across my phone and laptop.”
Daniel Okafor
Software engineer, London
Testimonials are illustrative placeholders.
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.
- Unlimited accounts & projections
- Local-only, end-to-end encrypted database
- Budgets and goals
- CSV / OFX import
- Dark mode & PWA install
- Everything in Free
- Automatic Open Banking sync
- Optional encrypted remote backups
- Rule-based auto-categorisation
- Year in review & advanced insights
- Unlimited saved scenarios
- Priority support
- Everything in Pro
- Up to 5 household members
- Shared accounts & budgets
- Combined net worth & projections
Prices shown are illustrative placeholders for the paid plans.
FAQ
Questions, answered
The things people ask most before they start planning with Zukunft.
Is my financial data safe?
Yes. Zukunft is local-first and end-to-end encrypted — your data is sealed on your device under a key derived from your passphrase, and lives in a local-only database. We only ever store ciphertext, so we can't read your finances and neither can a breach. Optional remote backups stay encrypted under your key.
Do I have to connect my bank?
No. You can add accounts manually or import CSV, OFX and PDF statements. Open Banking sync is an optional Pro feature that keeps your history up to date automatically — but the projections, budgets and goals all work without it.
How are the projections calculated?
Projections run on your device, month by month, applying compound interest (AER/APR), your contributions, income growth, tax bands and inflation. Because it's local-first, the chart redraws instantly as you change an assumption — no round-trip to a server.
Can I plan with my partner or household?
Yes. The Household plan lets up to five people share accounts and budgets and see a combined net worth and projection, while keeping personal accounts private.
Is there really a free plan?
There is. Use Zukunft for nothing with your data stored in a local-only, end-to-end encrypted database, and keep unlimited accounts, projections, budgets and goals. Upgrade only when you want live bank sync and optional encrypted remote backups.
Stop guessing. Start projecting.
Build a clear picture of where your money is headed — and the confidence to change course.
Get started