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Short guides on IRCC, FIDELIS, broker tax, and inflation — each linked to a Free Tool.
fidelis
FIDELIS subscription checklist
What to verify before you subscribe to a Romania FIDELIS retail government bond offer — tenor, currency, tax treatment, and how yield compares to a deposit.
2026-10-07
ircc
IRCC Romania mortgage guide
What IRCC is, how BNR calculates the quarterly index, and how IRCC + bank margin sets a variable RON mortgage rate.
2026-10-07
inflation
Spending habits that protect purchasing power
Track real spending, use a simple needs/wants/savings frame, cut quiet leaks — and see why habits matter when CPI erodes a flat income.
2026-10-07
inflation
Inflation and purchasing power
Why a “stable” salary can buy less each year — and how to estimate one year of money lost to CPI.
2026-09-04
capital-gains
Romania broker capital gains tax 2026
2026 capital-gains paths by Article 96¹(1) eligibility — 3%/6% withhold for covered entities versus 16% annual net gain via Declarația Unică.
2026-09-03
fidelis
FIDELIS vs bank deposit — net yield
Compare tax-free FIDELIS-style interest with a taxed bank deposit on the same RON principal.
2026-09-02
ircc
IRCC and early mortgage repayment
How Romania’s IRCC-linked variable rate interacts with extra payments — and when to model debt vs investing the difference.
2026-09-01