App für deine Finanzplanung : Sieh, wohin sich dein Geld entwickelt.

Zenarios is a financial planning app for iPhone and the web. 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. Your plans stay on your device.

Yes. The full Zenarios app runs in the browser at app.zenarios.com, on a computer, tablet or phone, and for now it is free, with every feature. On a large screen it opens with a sidebar, editors in side panels and a command bar (⌘K). Like the phone app, it needs no account: your plan is saved in that browser only, never on a server, and you can export it as a file to move it to another device.

Open Zenarios in your browser

No. Budgeting apps look back at what you spent; Zenarios looks ahead. It turns your income, costs, savings and debts into a month-by-month forecast of your net worth, and shows what a decision like buying a home, having a child or working less would change over the years.

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.

No. Zenarios never asks for bank logins and doesn't link to banks or brokers. You enter your numbers yourself, and rough figures are fine: wherever you're unsure, it suggests typical values for where you live.

Only on your device: on your phone in the app, or in your browser on the web. There is no account, and your plans are never sent to a server or synced. Deleting the app, or using “Delete all data” in Settings, removes everything.

Only anonymous usage statistics, such as which screens are used, and you can turn them off in Settings → Privacy. Names, amounts, balances, dates of birth and anything you type are never sent. Zenarios has no ads and no tracking, and crash reports are off unless you turn them on.

Zenarios is a solo project by Constantin Metz, a software engineer in Munich, Germany, who designs, builds and publishes it. The case study on metz.uk, the maker's own site, tells how Zenarios was built, from the forecasting engine to this website.

How Zenarios was built, on metz.uk

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.

Yes. Zenarios has income-tax models for 38 countries, with more detailed coverage for Germany, Austria, Switzerland, the Netherlands, Belgium, Luxembourg, the UK, Ireland, the US, Canada, Australia and New Zealand, and simpler rules for another 26. Elsewhere you enter an effective tax rate. Living-cost levels cover 153 countries, and plans can be in any local currency. Tax and account coverage varies; no country model is complete tax software.

Zenarios marks financial independence from the month your savings and investments, drawn down at a safe withdrawal rate (3.5 % a year by default), plus regular income such as pensions, cover a full year of your spending after tax. Money you can't touch yet, like a pension that starts later, only counts once it's available.

Yes. Zenarios shows the date your investments could cover your costs, and has milestones for financial independence, Barista or Coast FIRE, going part-time and a sabbatical, and you can move your retirement age to see what changes. A stress test compares a 3.5 % and a 4 % withdrawal rate, so you can see how much the rule of thumb matters.

New Zenarios plans assume 2 % inflation and a 7 % investment return for a shares-oriented mix, before inflation and after fees; balanced and cautious choices use 5 % and 3 %. Savings interest is 1.5 %, home price growth 2 %, and pay rises with inflation. Every assumption can be changed, saved plans keep their existing rates, and future amounts can be shown at today's prices. These are planning assumptions, not guarantees.

From official statistics and published rules, bundled with the app: among others OECD Taxing Wages and Pensions at a Glance, Eurostat, the World Bank, Destatis and national tax and statistics offices. Market history comes from Robert Shiller's and Aswath Damodaran's data. Zenarios lists every source in Settings → Data sources and rules.

Zenarios runs 13 stress tests, such as job loss, a market crash, a crash just as you retire, an inflation spike and a long life. A Monte Carlo simulation plays up to 1,000 market futures, and history replays run your plan through real markets starting in 1929, 1966, 1973, 2000 and 2008. Each test ends in a plain verdict: Holds, Gets tight or Runs short.

Yes. For German plans, Zenarios works out the statutory pension from your pension points, the age you claim it and the early or late adjustments. For other countries it estimates state pensions from published rules or OECD figures, and you can always enter your own amount.

Yes. A plan in Zenarios can be for one person or a couple, with two incomes, joint taxes for married couples, shared accounts and children.

Ask knows about 50 common questions, like “Can we afford a child?” or “When can I stop working?”. It matches what you type to one of them and works out the answer from your plan's numbers, right on your phone. It doesn't use a language model, and nothing you type leaves the device.

Yes. Zenarios exports all your plans and settings as a JSON file, the year-by-year forecast as a CSV table, and a plan, decision, comparison or stress test as a PDF report, with names hidden if you like.

Zenarios runs on iPhone with iOS 16.4 or later. It speaks English, German, French, Spanish, Italian, Dutch and Filipino, in light or dark mode.

Up to five at a time, each with its own scenarios to compare.