# Zenarios

> Zenarios is a financial planning app for iPhone and Android. You describe your household once and it projects your net worth month by month until retirement and beyond, shows what decisions like buying a home, having a child or going part-time would change, and keeps all data on the phone. No account, no server, no tracking.

- Category: personal finance, financial planning, net worth forecasting, retirement and FIRE planning
- Platforms: iPhone (iOS 16.4 or later) and Android
- Languages: English, German, French, Spanish, Italian, Dutch, Filipino
- Data: stored only on the device; nothing is collected. The App Store privacy label is "Data Not Collected".
- Not financial advice: it shows estimates based on what the user enters and on simplified tax rules.
- Download: [App Store](https://apps.apple.com/app/zenarios/id0000000000) · [Google Play](https://play.google.com/store/apps/details?id=com.zenarios.app)

## What it does

- Month-by-month net worth forecast until retirement and beyond
- Guided setup in about five minutes, or a 1-minute quick plan
- Sensible estimates for taxes, rents and living costs where you are unsure
- Plans for one person or a couple, with children
- More than 30 milestone templates: home, child, car, marriage, part-time, sabbatical, retirement
- Scenario comparison: what changes, where it comes from, and the effect on financial independence
- Stress tests: job loss, market crash, inflation spike and 10 more shocks
- Up to 1,000 simulated market futures and replays of real market history from 1929 to 2008
- Ask: plain-language questions answered in one sentence from your own numbers, on the device
- Monthly or quarterly check-ins with local reminders
- PDF reports for a plan, a decision, a comparison or a stress test
- Amounts at today's prices or not adjusted for inflation
- Income tax for 38 countries, living-cost levels for 153, local rents and home prices for 12
- Seven languages, light and dark mode, four text sizes
- Private by design: no account, no server, no analytics, no ads, no tracking

## Questions and answers

### 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.

## Pages

- [Home](https://zenarios.app/): what the app does, with interactive examples
- [Privacy policy](https://zenarios.app/privacy/): what is stored on the device and what is collected (nothing)
- [Imprint](https://zenarios.app/imprint/): who is behind Zenarios

## Contact

- hello@zenarios.app