Changelog

This is where new features and content areas on Zerotoinvest are logged, with a date. Corrections, layout polish, and internal quality passes aren't listed individually. New entries go on top.

2026-10-21

Comprehension checks with a question pool: each of the 104 lessons now has three questions. Every round shows two of them in random order, both have to be right, and after a mistake you get a new pair
The lesson “Spotting trends” now has a comprehension check too
A final exam for each competency level: ten random questions from that level's lessons, passed with eight correct answers. The certificate is issued only after that
The break-even calculator now has its own icon in the calculator overview
Exercise sheets with solutions as PDF for 16 calculation lessons, linked in each lesson and on the templates page
The About page now explains how ZeroToInvest is funded: entirely by voluntary donations
New page “Retirement planning” in Everyday Money: your pension gap in three steps, the German pension statement and digital overview, workplace pensions and the new retirement account from 2027
Two new calculators: withdrawal plan (how long a portfolio lasts with monthly withdrawals) and financial independence (how much wealth you need and when you get there)
All ten comparison tables can now be downloaded as images
Glossary expanded by 89 terms to 311, including accounts and credit, bonds, financial ratios, options, thinking errors and scams

2026-10-15

Three new calculators: inflation, purchasing power and savings goal
New page “Saving in everyday life” with documented savings levers and a calculator for your own savings potential
New page “Phishing and fake shops” in Fraud protection, with warning signs and steps after a mistake
“All rights reserved” notice in the footer and the legal notice

2026-09-25

Everyday Money: new pages on current accounts, overdrafts, cards, getting payments back and money abroad
Everyday Money: new pages on insurance, personal liability and income protection
New page with five tick lists for accounts, savings, brokers, credit cards and insurance, in place of comparison lists

2026-09-23

Every calculator and the paper trading simulator now explain right below how the result is calculated: inputs, formula, what the result means, and a worked example with real numbers
New, descriptive menu labels: Understanding Investing, Learn Trading, Everyday Money, Finance Topics, Free Tools, and Glossary
Wide comparison tables (countries, market participants) now show as clear cards on every screen size instead of a sideways-scrolling table
The lessons “Maker, taker, and funding” and “Mark price and margin modes” now count towards learning progress, the certificate, and the lesson packs

2026-09-17

Stocks, ETFs, bonds, gold, real estate, crypto, and commodities: added cross-links to liquidity, portfolio role, and costs
Seven asset-class lessons: added a common-mistake line to each summary
Glossary: added a "back to top" link at each letter
New break-even calculator: shows what price move is needed to cover a trade's spread and fees
Homepage: new interactive "What will your savings become?" module with an animated total and bars
Compound interest calculator: new scroll-linked graphic shows a savings rate growing over 20 years as you scroll down

2026-09-16

Added a new interactive trading-visualization widget (long/short, leverage, stop-loss to try out) to the matching trading lessons
Teacher packs: a new "Print student handout" button for a separate student print view with writing space; answer keys can now be included or excluded from a printout on demand
Added sources (primary sources such as regulators, central banks, and studies) to most lessons
Teacher overview: added an education level (lower/upper secondary) per course stage, as a European reference point
New "Everyday Money" section with its own nav entry: brings the budgeting, emergency-fund, and everyday-decision lessons together at one central starting point instead of a single lesson
Certificate page: added a note on saving the diploma as a PDF via the browser's print dialog
Translated 14 section URLs that had still been spelled in German (e.g. /en/glossar/ → /en/glossary/, /en/suche/ → /en/search/), with permanent redirects from the old addresses

2026-09-11

New "For Teachers" section with lesson packs for all six course stages and six fillable PDF worksheets
New five-level competency certificate (/certificate/) with an optional reflection field and a personal notes page
Europe comparison: an 8-country table of tax rates, deposit insurance, and financial regulators
Twenty new decision scenarios, plus a no-account classroom feature for teachers

2026-09-10

Gave all 426 FAQ questions their own linkable URLs; linked every lesson to its matching FAQ category
Added a human-readable sitemap page, linked from every footer
New interactive tools: Crash Museum, Annual Check, Portfolio X-Ray, a scam-check tool on the provider-checking article
Made every calculator and the simulator embeddable via iframe; expanded the decision lab from three to eight scenarios

2026-09-09 (after initial publication)

Added an understanding-check quiz to all 102 lessons, plus progress badges, spaced-repetition reviews, and a paper-trading simulator
New lessons on forex/perpetuals and professional trading mindset; a separate trading diploma badge

Initial publication

Course with 101 lessons across six stages
Case studies, fraud protection, market history, hype fact-checks
Reality check with sourced numbers on active-fund performance and CFD loss rates
Tax pages for Germany, Austria, Switzerland, and Belgium, as of September 2026
Thirteen calculators, a glossary of 185 terms, downloadable templates

How this log is kept

This lists new features and content areas, not every correction or quality pass. Separately from this log, tax pages are reviewed at least once a year even when nothing changed.

Last updated: 2026-09-17