Money
Income
Recurring income with growth modelling and UK tax.
Income sources
Add each income stream — salary, freelance, rental — with an amount and frequency (weekly, monthly or annual; one-off income is supported too). Income can be entered gross or net: for gross amounts Zukunft applies UK income tax and National Insurance bands (including the personal-allowance taper) for the relevant tax year, with the right treatment per kind — PAYE, self-employed, dividends, savings income, and pension income such as a state pension, defined-benefit pension or annuity.
A source can also start in the future: give it a start month and it shows as "Upcoming" until then, so a new job or pension begins feeding projections at exactly the right time.
| Name | Amount | Frequency | Type | Status | Growth |
|---|---|---|---|---|---|
| Salary | £48,000.00 | Annual | Gross · PAYE | Active | Avg (weighted) |
| Freelance design | £600.00 | Monthly | Gross · Self-employed | Active | 3% in April |
| Lodger rent | £450.00 | Monthly | Net | Active | — |
| New role | £53,000.00 | Annual | Gross · PAYE | Upcoming · Sep 2026 | — |
Gross sources have UK tax and NI applied before they hit projections; the upcoming role takes over from September without you re-entering anything in August.
Salary history and growth
Record historical income changes (for example: £45k from April 2024, £48k from April 2025) and Zukunft calculates your income growth trend from them.
For projecting future growth, choose per source:
- Method — a fixed percentage, or your historical average
- Weighting — straight average, or recency-weighted so recent changes count for more
- Change month — the month your raise typically lands, so projections apply it at the right time of year
| Effective from | Annual salary | Change |
|---|---|---|
| Apr 2023 | £42,000.00 | — |
| Apr 2024 | £45,000.00 | +7.1% |
| Apr 2025 | £48,000.00 | +6.7% |
Historical average growth: +6.9% — applied each April when projecting this source forward.