Mój Kredyt

Mój Kredyt is a mobile mortgage overpayment tracker. We don't connect with your bank or provide advice – we show how much you've actually saved on interest thanks to overpayments you've already made.

What it can do:

- Interest savings counter based on facts, not forecasts
- One-time and recurring overpayments (plan vs. execution)
- Payment and overpayment history – the most recent at the top
- "What if" simulation – compare the rate with the current plan
- Start with today's balance (matching your bank) or reconstruct from the beginning of the loan
- Fixed and variable interest rates, interest chain
- Optional cloud synchronization (Google/Apple/email) – the app works without an account

Who is it for:
For mortgage holders who want to track the progress of overpayments month by month – without a "what if" calculator pretending to be certain.

Important:
The results are only examples (daily interest ACT/365). This is not financial advice.