About Konto za Zero
Built for people who earn on their own terms
Konto za Zero exists to bring structure and foresight to personal investing for gig workers and independent earners across Germany — without pretending to predict the unpredictable.
Our Story
Why we started Konto za Zero
Irregular income doesn't have to mean irregular investing. We noticed that most portfolio tools are built around a steady paycheck — fixed monthly contributions, predictable risk tolerance, static timelines. That model doesn't fit how a large and growing part of the workforce actually earns.
Konto za Zero was built to close that gap: a way to set up and manage a portfolio that accounts for variable income, shifting schedules, and the realities of freelance and platform-based work, backed by data rather than guesswork.
We are not a bank, a broker, or a financial advisory firm. We build tools that help people think more clearly about risk, allocation, and timing — decisions that remain theirs to make.
Our Mission
Make risk-aware investing accessible to variable-income earners
Traditional financial planning tools assume stability that many modern workers simply don't have. Our mission is to change the default: instead of forcing gig workers and independent earners to adapt to rigid tools, we build tools that adapt to them.
Income that varies week to week shouldn't mean a portfolio strategy that varies with your mood. Structure is still possible — it just needs to be designed differently.
Our Values
What guides how we build
Clarity over complexity
We favor tools that explain their own reasoning. If a recommendation can't be traced back to a clear input, it doesn't belong in the product.
Risk stated plainly
We don't dress up uncertainty as certainty. Every projection and model carries its assumptions and limitations in plain view.
Designed for irregular income
Every feature is stress-tested against the reality of fluctuating earnings, not just idealized steady-income scenarios.
Our Team
The people behind Konto za Zero
Konto za Zero is built by a small, focused team spanning portfolio analysis, product design, and software engineering. We work directly with the realities of gig and freelance income — because designing for it well means understanding it well.
Portfolio Analysis
Translating market data and risk models into decisions that hold up under variable-income constraints.
Product Design
Shaping tools that stay usable and honest, even when the underlying financial concepts are complex.
Engineering
Building the infrastructure that keeps analysis, data, and recommendations consistent and dependable.
Support
Helping users understand what the platform shows them — and what it deliberately does not claim to know.
See how Konto za Zero fits your income pattern
Explore the platform and get a clearer view of how a risk-managed portfolio could be structured around variable earnings.
Get in TouchKonto za Zero provides analytical tools and information. It does not constitute financial, tax, or legal advice.