Check in, stay on course.
Once a month or once a quarter, update a few balances and tick off what happened. Zenarios shows whether you're ahead of your plan or behind it, and reminds you when it's time.
Financial planning app: See where your money is heading.
Zenarios forecasts your net worth month by month, until retirement and beyond. Describe your life once and see what a home, a child or a career change would do to it, before you decide.
- No account
- No ads, no tracking
- Your data stays on your phone
Every big decision
is a guess.
Make it a plan.
Guided setup
Describe your life once.
A few plain questions instead of a spreadsheet. Zenarios knows typical taxes, rents and living costs for where you live, so a rough answer is good enough to start.
- 1Who it's forJust you, or you and a partner. Children too.
- 2What comes in and goes outPay, housing and everyday costs, with estimates wherever you're unsure.
- 3What's aheadA home, a child, a new car. Add milestones now or later.
In a hurry? The 1-minute plan starts from a handful of answers. Sharpen it whenever you like.
Month by month
See every month ahead.
Net worth · Mar 2059 · age 67€1,215,994+€1.19M vs today
Every month, worked out
Pay, taxes, spending, loans and investment returns are calculated for every month, so your net worth forecast runs month by month until the plan ends.
Life on the line
A home, a child and a new car sit exactly where they happen, so you can see what each one costs you.
Independence, with a date
See when your investments could cover your costs. For Lena and Jonas that's June 2047, at 55.
Milestones
Plan around the moments that matter.
Life doesn't run in a straight line, and your plan shouldn't either. Choose from more than 30 milestones, from buying a home to retiring early, and watch your whole forecast move with each one.
- Buy a home
- Have a child
- Buy a car
- Get married
- New job or raise
- Go part-time
- Sabbatical
- Move
- Renovation
- Big trip
- Inheritance
- Debt free
- Financial independence
- Downsize
Milestones can wait for the right moment too: buy the car when you can afford it, and Zenarios finds the month.
Scenarios
Test a decision first.
Compare what-if scenarios side by side. Copy your plan, change one thing, and see what the difference adds up to, where it comes from, and what it does to the year you could stop working.
Your plan
Net worth at retirement
€1,215,994
March 2059, when Lena turns 67.
Pick a scenario to compare
Invest €200 a month
Difference at retirement
+€288,932
Net worth in 2059, compared with Your plan.
What changes by 2059
Saved and invested+€122,028
Interest and returns+€166,904
Independence
20472044
Go part-time
Difference at retirement
−€402,836
Net worth in 2059, compared with Your plan.
What changes by 2059
Income−€204,560
Taxes+€69,550
Interest and returns−€267,827
Independence
20472052
Or start from a ready-made decision
- Buy or keep renting
- Cash, loan, lease or no car
- Invest or keep in savings
- Pay off the loan or invest
- Work less or retire at another age
- Get out of debt
Stress tests
Stress-tested.
What if one of you loses a job, or the market drops just as you retire? Throw the bad years at your plan before they happen: 13 stress tests, a Monte Carlo simulation of up to 1,000 market futures, and replays of real market history from 1929 to 2008.
- Job loss
- Pay cut
- Costs rise
- Big bill
- Market crash
- Crash as you retire
- Inflation spike
- Higher loan rates
- House prices fall
- Lost decade
- Recession
- Long life
- Market history
Every test ends in a plain verdict: Holds, Gets tight or Runs short, with what would help.
What do you want to know?
Answered in a sentence, from your own plan.
Can we afford a child?
Yes. You would still have €760 left each month.
Worked out from your plan's numbers, on this device.
Ask
Ask your plan.
Not every question needs a chart. Ask in plain words and get a straight answer in one sentence, worked out from your own numbers.
- Pick a common question, or type your own
- Calculated on your phone. Nothing is sent anywhere
- Like the answer? Save it as a scenario
Privacy
Private by design.
A plan holds your whole financial life, so it stays with you. Zenarios has no account and no server to send it to: your financial data never leaves your phone.
- No account
- No sign-up, no email, no password. Open the app and start.
- Stays on your phone
- Plans, scenarios and check-ins live in a database on your device. Nothing is synced.
- Nothing collected
- No analytics, no ads, no trackers. Crash reports stay off unless you turn them on.
- Yours to keep or delete
- Export your data as a file whenever you like, or delete all of it in one tap.
And the rest
Thoughtful down to the details.
At today's prices.
One switch adjusts every future amount for inflation, so a number in 2059 compares to today.
€1,215,994€632,595
Net worth in 2059, not adjusted for inflationNet worth in 2059, at today's prices
Speaks your language.
English, Deutsch, Français, Español, Italiano, Nederlands and Filipino.
Taxes and prices built in.
From official statistics, bundled with the app. Nothing is looked up online.
- 38
- countries with income tax worked out
- 153
- countries with living-cost levels
- 12
- countries with local rents and home prices
Share it as a report.
Turn a plan, a decision, a comparison or a stress test into a clean PDF. Hide names with one switch.
Easy on the eyes, day and night.
Light and dark mode that follow your phone, and four text sizes the whole app grows with.
Try it before you type.
Not ready for your own numbers? Open one of five example households, each with a real question to answer.
- A
Anna, 31 · Köln
Earns well, saves a lot, and keeps all of it in cash.
- TJ
Tom & Julia · Leipzig
A credit card at 19.9 % while €11,000 sits in savings.
- B
The Beckers · Hannover
Buy a house, buy a flat, or keep renting?
- S
Sven, 44 · Nürnberg
A used car, a new EV on a loan, or a lease?
- KP
Klaus & Petra · Freiburg
Stop at 63 instead of 67. Can they afford it?
Make better long-term decisions.
Your whole financial future, month by month.
What is Zenarios?
Zenarios is a financial planning app for iPhone and Android. You describe your household once (income, spending, savings, debts and the milestones ahead) and it projects your net worth month by month until retirement and beyond. You can compare scenarios side by side, stress-test your plan and ask it questions in plain words. Everything stays on your phone.
Is Zenarios financial advice?
No. Zenarios shows estimates, based on what you tell it and on simplified tax rules. It helps you see what your choices could lead to, but it is not financial, tax or legal advice.
Where is my data stored?
Only on your phone. There is no account and no server, so nothing is synced or uploaded. Deleting the app, or using “Delete all data” in Settings, removes everything.
Do I need to know all my numbers?
No. Wherever you're unsure, Zenarios suggests typical values for where you live, such as living costs, rents and taxes. The 1-minute plan needs only a handful of answers, and you can sharpen it later.
Does it work outside Germany?
Yes. Income tax is worked out for 38 countries, in detail for 12 of them, including Germany, Austria, Switzerland, the UK and the US. Anywhere else you enter a single tax rate, with a suggestion ready. Living-cost levels cover 153 countries.
Can I plan together with my partner?
Yes. A plan can be for one person or a couple, with two incomes, joint taxes for married couples, shared accounts and children.
How does Ask answer my questions?
Ask matches your question to the questions it knows and works out the answer from your plan's numbers, right on your phone. It doesn't use a language model, and nothing leaves the device.
Which phones and languages does Zenarios support?
Zenarios runs on iPhone with iOS 16.4 or later and on Android. It speaks English, German, French, Spanish, Italian, Dutch and Filipino, in light or dark mode.
How many plans can I keep?
Up to five at a time, each with its own scenarios to compare.
Zenarios
See where your money is heading.
For iPhone and Android. No account needed.