Free and open source for Scalable Capital investors
Zielzeit keeps the answer in your menu bar, read from your account through the official Scalable CLI — read‑only, no scraping, no credentials.
brew install --cask mannafee/tap/zielzeit
Requires macOS 15 or later and the official Scalable CLI.
Every figure shown on this page is synthetic demo data, not a real account.
Safety
Zielzeit can run exactly five commands against your broker, and none of them writes. You do not have to take that on trust: each promise below is checked against the source code automatically, every time anything changes.
All seven checks passing as of the latest change. See the latest run ↗
One command, in a copy of the source. It needs no Xcode, no account and no build, so you can run it before you download anything.
git clone https://github.com/Mannafee/zielzeit-scalable-capital
cd zielzeit-scalable-capital
make auditZielzeit audit — against Sources/, not against the README
✓ broker write commands none the only broker verbs are overview, savings-plans, transactions
✓ broker commands enumerated 5 overview, savings-plans, transactions, whoami, installation-code
✓ networking code none no URLSession, Network.framework or socket API in the app
✓ shell invocation none one Process(), run by absolute path with an argument array
✓ credential access none no Keychain, no token, no read of the CLI's session
✓ values stored on disk 3 goal, language, hasRequestedAccess — no figures
✓ third-party dependencies 1 Sparkle, the updater — nothing else
7 of 7 checks passed. Re-run with -v for every search and its output.
Add -v and it prints every search it made, so a passing run is evidence rather
than a green tick. And
SECURITY.md
states what no automated check can cover — including the two things that are true and not
reassuring.
The five commands it may run are listed in one place in the code, and there is no route to a sixth. Signing in the way the setup asks also puts the session itself in read-only mode, so the command-line tool blocks every write — whether or not you trust this app.
You sign in yourself, in your own Terminal window, exactly as Scalable Capital asks. Zielzeit types the command in and stops there: it never runs it, never sees what you enter, and never touches the session afterwards.
There is no internet code in the app at all — no analytics, no tracking, no account to sign up for. Your figures go from the broker's own tool to the screen and no further. The one thing Zielzeit fetches is its own update feed, which carries nothing about you.
Your goal amount, your language, and whether you have emailed for beta access. No balance, no holdings, no name — those are fetched, shown, and forgotten when the app quits.
The download is signed but not notarized, which needs a paid Apple Developer account this project does not have. Open System Settings → Privacy & Security and click Open Anyway. Once, ever.
A sandboxed app cannot launch another program, and Zielzeit's whole job is to run the command-line tool you installed. What limits it is that it is small, open and readable end to end, not an OS boundary.
Features
Cautious at 3%, moderate at 6%, and your own pace: the return your portfolio actually achieved over the trailing year, measured with the simple Dietz method. Each curve stops where it meets the goal.
The headline uses your pace, not a house assumption, so the year moves with how you are actually doing.
Save more previews what another €200 a month does to every projection, live, without changing anything in your broker.
Reach by inverts it: pick a year, get the monthly contribution that lands on it.
Your contributions are walked from a year of real transactions, not inferred from today's savings plan rate. On a live account that difference was over a full percentage point.
Inflation is on screen too: the goal restated in today's money, not hidden behind a toggle.
Picked from your Mac's language and switchable in the app. Amounts follow it too: €250 000 in English, 250 000 € in German.
Setup
The Scalable CLI is in beta and gated: Scalable Capital has to allowlist your machine before it can log in at all. The app walks you through all three steps on first launch.
From Scalable Capital's own Homebrew tap. Zielzeit never bundles the binary — their guidance is to trust only official artifacts.
brew install scalable-cli
Zielzeit reads your installation code and opens a prefilled email to cli.beta@scalable.capital. Nothing to compose.
Send it from the address registered with Scalable Capital. They match the request by sender, and one from any other address is silently never answered. A mailto: link opens your default account, which often is not that one — check the From field.
An OAuth device-code flow, in your Terminal and your browser. --local-read-only stores the session in locally enforced read-only mode.
sc login --local-read-only
About a minute, and no Gatekeeper prompt.
git clone https://github.com/Mannafee/zielzeit-scalable-capital.git
cd zielzeit-scalable-capital
make run
If it is useful to you, a star on the repository is the cheapest way to say so.