Documentation

Documentation

How to use Zukunft

Everything the app can do, explained — with live demos you can poke at instead of screenshots. New here? Start with Getting started.

Have a question?

Ask in your own words — the FAQ search answers from this documentation.

Basics

Getting started

Create an account, set up your finances with the guided onboarding, and learn your way around.

Your at-a-glance financial picture: cash flow, this month's timeline, and insights.

Money

Model every account type — current, savings, ISA, credit, loans, BNPL, investments, pensions and crypto.

Recurring income with growth modelling and UK tax.

Track buy-now-pay-later commitments plan by plan, with installments that taper off naturally.

Transactions & imports

Import statements, sync your bank with Open Banking, and auto-categorise with rules.

Planning

Envelope budgeting: give every pound a job, watch real spending leave each envelope, and let leftovers roll forward.

Month-by-month forecasts of every account, from next year to a 40-year horizon.

Save what-if adjustments as named plans and compare them side by side.

Set savings, debt payoff and net worth targets — and see whether your plan reaches them.

Insights

Real history flowing into projected future, account by account.

The story of your year: where every pound came from, where it went, and what you kept.

Reconcile each month: actual income and spending against what the plan projected.

Account & privacy

Households & sharing

Plan together: shared accounts and budgets with a combined view, private accounts stay private.

Privacy & security

End-to-end encrypted and local-first: built so Zukunft can't read your data, not just promised.

Currency, the day your financial month starts, theme, sign-in methods and banking connections.

Plans & billing

What's in Free, Pro and Household, and managing your subscription.