Banii Mei – Plan și Calcule

My Money helps you see clearly what's coming and make better-informed decisions, without a mandatory account and without ads.

YOUR PLAN, KEPT ON YOUR PHONE
• Define your income, monthly budget, savings and emergency fund.
• Track expense categories, goals and recurring payments.
• Receive practical steps based on the data you enter.
• Export a full JSON backup or CSV report and restore your plan only after confirmation.
• Loan amounts, goals and data remain locally on your device.

10 FINANCIAL TOOLS
• My loan: rate, repayment schedule and total cost.
• Early repayment: estimate of months and interest saved.
• Refinancing: comparison with all initial costs and break-even point.
• IRCC scenarios to prepare your rate for changes.
• Gross/net salary and pension for standard situations.
• Dividend and PFA estimates, with fiscal parameters 2026.
• Deposit, inflation, purchasing power and NBR currency converter.

DATA WITH SOURCE AND FRESHNESS
• EUR/RON and USD/RON rates from NBR sources.
• IRCC and ROBOR, with value date and last available update.
• ANAF fiscal calendar with absolute data.
• Economic news grouped by economy, loans, savings and taxes, from several sources.
• Clear markings for the last valid copy when the connection is missing; the cache is limited and expires depending on the type of information.

CONTROL AND CONFIDENTIALITY
• Market notifications, reminders and technical data are turned off by default.
• You can delete local data at any time and separately optional technical data from the cloud.
• Android automatic backup is disabled for application data.
• Open Banking remains disabled until a licensed PSD2 provider is integrated.

Calculations and content are for informational purposes only and do not constitute financial, tax, legal advice or a credit offer. Please verify your situation and final terms with the relevant institution or specialist.