There are 12 Programs in 1 single Application: Fixed Income and Variable Income, with Compound Interest and Inflation Correction – an Important Differentiator of this Application - so you can know the Real Gain from your Investments; Equivalent Interest – Brazilian and American – Gains and Losses in the Financial Market (Drawndown and Runup), Anniversary and Event Calculations, Date Calculator, with Intervals between Dates and Addition and Subtraction of Periods and a powerful Database to save the calculations that you want, for comparisons, analyzes and queries – all in a single application – made with the experience of more than 30 years in the Banking Market and the most modern development techniques for Android: Kotlin programming language and Room-SQLite Database.
These Programs are tools that, if used well, can help you manage your Money better and increase your Income. This can be done through 2 processes: the first consists of, through the Interest Installment Program, seeing how much interest you are actually paying. Believe me, it's much more than you think. This will help you reorient the way you shop and pay less interest – and even stop paying interest in the future. This is more Money in Your Account, more resources to be invested. The second process consists of investing your money better, as Brazilians pay high interest and receive low interest – they are terrible investors. Want proof? The balance of the savings account was, in September 2023, 968 billion, at a rate of 7.76% - while an LCA that pays 90% of the CDI is at 11.83%, around 4% more, or that is: 38.72 billion that Brazilians who have their savings accounts are losing (both investments are exempt from income tax). Does it look bad? It's much worse: projected inflation for 2023 is 4.92%. So, the real gain from savings will be 7.76% - 4.92% = 2.84% and the real gain from LCA will be 11.83% - 4.92% = 6.91%. LCA 6.91% X 2.84% Savings. The Fixed Income and Variable Income programs will be very useful in these processes.