Educational analysis
What's happening in the markets, why it matters, and how it relates to your portfolio.
Before you look around
€10 000 today is not €10 000 in 10 years.
At 4% annual inflation it will buy what €6756 buys today. The difference is €3244 — 32% of the money, and nobody took it.
An illustration at a constant 4% inflation — the default in our own calculator. Not a forecast.
Try it with your own numbersSelurio · 2026 Edition
Clear thinking about money. No signals.
Calculators and analysis that show you the formula behind the numbers — so you can make sharper money decisions on your own.
- 16 free calculators
- No sign-up
- Open formulas
- No buy/sell signals
Try it: compound interest
260,463 €
Try it: compound interest: 260,463 €
Invested 120,000Profit 140,463
500 €
20 yrs
Hypothetical, at 7% annual returnFull calculator
Today’s challenge
One question a day
Under a minute, no rush. The point is not to guess right — it is to understand why the answer holds.
A new question every day at 00:00 Sofia time.
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Live
The market pulse
A quick look at sentiment (crypto and US stocks) and the trading hours of the world's exchanges — in real time.
Fear/Greed Index
Crypto marketFear & Greed
A composite index of market sentiment — from 0 (extreme fear) to 100 (extreme greed).
Loading data…
What does this mean?
When investors are fearful, prices often fall below fair value; when they're greedy, they inflate bubbles. The index measures this sentiment so you can view it with a clear head. It is not a buy or sell signal.
For information only — not investment advice.
Source: alternative.me
Fear/Greed Index
US stocksFear & Greed
A simplified composite of several market indicators — how much fear or greed grips US stocks.
0Neutral
FearGreed
What it's based on
- Momentum54
S&P 500 vs its 125-day average
- Volatility71
VIX vs its own average
- Safe haven16
Stocks vs bonds (20 days)
What does this mean?
When investors are fearful, they sell and prices fall below value; when they're greedy, they inflate bubbles. The index sums up this sentiment. It is not a buy or sell signal.
Simplified and educational — not investment advice.
Computed from Yahoo Finance · as of 2026-10-30Updated 2026-10-30
Market clock
LiveIs the market open?
Which of the major exchanges are trading right now.
New York—
NYSE · Nasdaq
--:--
local
Next change
London
LSE
--:--
Frankfurt
Xetra
--:--
Tokyo
TSE
--:--
Hours are indicative; official holidays vary by exchange.
Time machine
If you had invested…
See what your money would be worth today if you had invested it years ago in different assets.
Asset
$1,000
2010
By 2026, you'd have
$7,142
Total return+614%
Annualized (CAGR)+12.5%
Bank deposit (2%)$1,373
S&P 500Bank deposit (2%)
Historical, annual values. The indices (S&P 500, Nasdaq 100, Dow) and gold are price-only (no dividends); individual stocks include reinvested dividends. Past performance doesn't guarantee future results.Data: Yahoo Finance · as of 2026-10-01
Live GDP · Europe
The recession map of Europe
Every European economy coloured by phase, from the year-on-year real GDP growth rate (Eurostat). Sorted from weakest to strongest — you see at a glance who is shrinking right now.
2of 33 European economies in recession
EU:+1.4%2026-Q2now
Point to a country for detail.
recessionstagnationgrowthby year-on-year real GDP
See the full map and more dataSource: Eurostat namq_10_gdp · updated 2026-09-29
Explore
All of Selurio in one place
Calculators, market data, an atlas of economies, interactive simulators, paths and a glossary — choose where to go next.
Calculators
16 calculators for every decision — compound interest, DCA, FIRE, taxes.
The market
The market pulse, seasonality and the big moments from history.
Atlas of economies
Spin the globe: growth, inflation and debt for 200+ countries.
Simulators
The time machine, DCA vs lump sum, inflation and more.
Paths
Guided routes through the content — one step at a time.
Glossary
Financial terms explained simply — with links to the tools.
Principles
Investing intelligence, not a data dump
Interactive calculators
Compound interest, real return, FIRE — tools that explain the formula.
No “buy/sell” signals
We don't give recommendations. We give context, formulas and assumptions — you make the decision.
Tools
Calculators for every investor
From compound interest to Peter Lynch — financial tools that explain, not dictate.
Compound interest
How contributions and compounding grow over time.
Real return
The real value of money after inflation.
DCA
Regular investing vs a lump sum.
FIRE
How many years to reach financial independence.
PEG (Peter Lynch)
Valuing a stock relative to its earnings growth.
Capital gains tax on shares
Gross gain, tax due and net result under the BG framework.
Passive income from dividends
How much capital and how many shares you need for a target monthly income.
ETF fees (TER)
How an annual fee eats into returns over decades.
Dividend yield
Gross and net yield of a share relative to price and tax.
Savings goal
What monthly contribution you need to reach your goal.
Net worth
Assets minus liabilities and the debt-to-assets ratio.
Emergency fund
How large a reserve you need and how long it takes to build.
Return (ROI)
Total and annualized return on an investment over a given period.
Loan repayment
Your monthly payment, total interest and remaining balance on an amortizing loan.
Company cycle profile
Cash-flow phase and what usually follows in Bulgaria — in a normal year and in a recession.
Financial health
Altman Z″ and capital structure (RE/TE) from balance-sheet data.
Glossary
Term of the day
One clear explanation from the world of investing every day — no jargon.
Basics
Compound interest
Interest calculated on both your original principal and the interest it has already earned.
Compound interest makes money grow at an accelerating pace, because each round of interest is charged on a larger balance. The longer the horizon, the stronger the effect — which is why it is often called the eighth wonder of the world.
Example100 leva at 7% a year grows to about 197 leva in 10 years and about 387 leva in 20 — the second decade adds more than the first.
More from the glossary
See the full glossary
Educational content, not investment advice.
Where we stand
We don't trade in signals. We show the formula, the assumptions and the context — the decision stays yours.
Latest articles
From the blog
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Europe's Recessions Since 2006 on One Map
One number, one rule, one map. Year-on-year real GDP for every European economy shows when crises hit everyone at once — and when the cycle diverges.
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What Happens to Companies in a Recession: Half Change Phase
In a calm year a company's life-cycle phase is stable. In a recession it is not: in a panel of 13 Bulgarian firms, about half shift phase. We explain why — and which way they move.
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Which BSE Companies Passed 2009 and 2020 Unscathed
Two recessions, 13 public Bulgarian firms. Most took a hit at least once — but a handful passed through both almost untouched. Who they are and what connects them.