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Zerotoinvest
DEEN

Financial knowledge. Explained simply. Free.

Understand money, save, invest and learn trading. Independent, easy to follow and without talking down to you. You start by taking stock of your finances.

Start at zero What do you want to learn?
  • 104 lessons
  • 21 calculators
  • free
  • no jargon
  • no ad links
  • a badge at the end

What do you want to understand?

Four paths, one starting point. Understand first, decide after.

Understanding InvestingThe path for anyone who wants to build wealth long-term: fundamentals, asset classes, practice, risk, and analysis in six stages.Learn TradingMarkets, orders, charts, risk, and psychology for anyone who wants to understand active trading. No fast profits, real understanding.Everyday MoneyBudget, emergency fund, expensive debt, and real everyday decisions. Before it's even about investing or trading.Understanding RiskPosition size, stop-loss, diversification, and the psychology behind the most expensive mistakes.
No required orderThe four areas don't strictly build on each other. Jump straight into Trading, or start at zero. You decide where you go in.

What will your savings become?

Drag the sliders and watch live how contributions and growth pull apart over time.

€92,870 Assumed growth, not a guarantee.
Contributed€48,000
Final value€92,870

Pure math, no guaranteed return. Run the numbers yourself in the compound interest calculator.

How is this calculated?

The contribution is paid in at the start of every month and earns one twelfth of the assumed annual return each month. Compounding, with no costs, taxes or inflation:

Final value = rate × ((1 + i)n − 1) ÷ i × (1 + i)

with i = return ÷ 12 ÷ 100 and n = years × 12. Paid in = rate × n. Example: €200 a month, 6%, 20 years → €48,000 paid in, about €92,870 final value. Every step is in the compound interest calculator.

Where are you right now?

Three questions, then you'll know where to start. Nothing is saved or transmitted.

The path

Six stages, each building on the last. You don't have to start from the top, but you should know what you're skipping.

Run the numbers yourself

All calculators run in your browser. Nothing is transmitted, nothing is saved.

Emergency fund calculatorWork out how big your safety cushion should be, and how long it would cover you without income.Compound interest calculatorShows how a starting amount and a monthly contribution grow over time, and how much of the result is your own money versus returns.Drawdown calculatorLoss and gain aren't symmetric. Shows what gain it would take to break even after a loss.The crash testWatch your portfolio fall and decide for yourself: hold or sell. Afterward, you find out which historical period it was.Position-size calculatorCalculates the maximum position size from your account size, risk per trade, and distance to your stop-loss.Paper trading simulator120 days, one starting balance, your decisions. A full trading journal with a breakdown at the end.
A calculator for every stageFrom your emergency fund through compound interest and drawdown to position sizing for trading, 16 tools that grow with you.

All 21 calculators

Free printable templates

Six designed PDFs with a watermark, ready to print or fill in on screen. Nothing gets saved or transmitted.

Budget checkSort three months of bank statements and find your honest savings rate.Debt and emergency fundThe three points that come before any investing.Broker checklistAuthorization, custody, costs, taxes, in that order.
Why the watermark?It shows the template is unedited and from here. Handy if you pass it on in a class or course.

All 6 templates

The full learning path

Six stages, 104 lessons, from taking stock to advanced topics. For anyone who wants to build wealth over the long term.

Understanding Investing. See the full path

Play through real decisions · Strategy types overview · Downloadable templates · Is the market crashing right now?