Getting started

Create an account

Sign up from the landing page with GitHub, Google, or a magic-link email — no password to remember. The Free plan needs no credit card and includes unlimited accounts, projections, budgets and goals, with your data stored in a local-only, end-to-end encrypted database.

Guided onboarding

The first time you sign in, a setup wizard walks you through the essentials: your name, currency, the day your financial month starts, and your first income sources, accounts and budget groups.

You can fill the steps in yourself, or chat with the setup assistant — describe your finances in plain English ("I earn £48k, have a £6k credit card balance and save £300 a month into an ISA") and it drafts the accounts, income and budgets for you to review. Nothing you tell the assistant is stored server-side; the structured results are applied locally through your encrypted vault.

Everything from onboarding can be changed later, so don't worry about getting it perfect.

Your vault passphrase

Zukunft encrypts your financial data end-to-end under a key derived from a passphrase only you know. You choose the passphrase during setup and use it to unlock the vault on each new device.

Keep the passphrase safe: because the key never leaves your devices, Zukunft cannot read your data — and cannot reset the passphrase for you. On devices you trust, you can also register a passkey so unlocking is a fingerprint or face scan instead of typing the passphrase. See Privacy & security for the full picture.

Install on your phone

Zukunft is a progressive web app. Use your browser's "Add to Home Screen" (iOS Safari) or "Install app" (Android Chrome, desktop Chrome/Edge) to install it like a native app. Because the app is local-first, it opens and works offline — your data and the projection engine live on your device.

Finding your way around

The sidebar groups the app into four areas, with settings pinned at the bottom:

• Overview — Dashboard, Net Worth, Year in Review
• Money — Accounts, Income, BNPL Plans, Transactions
• Planning — Budget, Projections (with Pensions), Scenarios (with Compare), Goals
• Automation — Rules, Tracking
• Bottom — Banking, Household, Subscription, Settings

On mobile the sidebar collapses into a bottom navigation bar with your pinned items.