În portofel mai am bani doar pentru pâine și lapte.

Here mai means still or yet, not more.

So mai am means I still have or I have left.
In this sentence, În portofel mai am bani... gives the idea I still have some money left in my wallet.

This is a very common use of mai:

• Mai am timp. = I still have time.
• Mai am o întrebare. = I still have one more question.

So the exact English translation depends on context.

Because Romanian usually does not need the subject pronoun when the verb already shows who is doing the action.

am is the 1st person singular form of a avea (to have), so it already means I have.

That is why:

• (Eu) am bani. = I have money.

You can add eu if you want emphasis or contrast:

• Eu mai am bani, dar el nu. = I still have money, but he doesn’t.

Romanian uses a avea (to have) for possession, just like English.

So:

• am bani = I have money

You would not use sunt here, because sunt means I am.

Compare:

• Sunt obosit. = I am tired.
• Am bani. = I have money.

In Romanian, the normal everyday word for money is bani, which is formally a plural noun.

• un ban = one coin / one monetary unit
• bani = money

So even when English uses singular money, Romanian usually uses bani:

• Nu am bani. = I don’t have money.
• Am nevoie de bani. = I need money.

This is completely normal and very common.

doar means only or just.

In this sentence, it limits what the money is enough for:

• bani doar pentru pâine și lapte = money only for bread and milk

So the idea is not simply I have money, but I have money for only those basic things and nothing more.

Because Romanian often expresses that idea indirectly.

Mai am bani doar pentru pâine și lapte literally looks like I still have money only for bread and milk, but in natural English that becomes I only have enough money left for bread and milk.

The sense of enough comes from the structure:

• am bani pentru X = I have money for X
• am bani doar pentru X = I have money only for X
  → naturally, I only have enough money for X

If you wanted to make enough more explicit in Romanian, you could say:

• Mai am bani suficienți doar pentru pâine și lapte.

Because pentru means for, and here it shows what the money is intended to buy.

So:

• bani pentru pâine și lapte = money for bread and milk

This is the normal Romanian pattern:

• Am bani pentru chirie. = I have money for rent.
• N-am bani pentru vacanță. = I don’t have money for a vacation.

Because they are being mentioned in a general, non-specific way, like items on a shopping list.

So:

• pentru pâine și lapte = for bread and milk

This is very natural in Romanian when talking about food or things in general.
You are not talking about a specific bread and a specific milk, but about buying those items.

If you wanted to make them specific, you could add articles or other words:

• pentru pâinea și laptele de pe listă = for the bread and milk on the list

Yes. In this sentence, doar and numai are basically interchangeable.

So you could also say:

• În portofel mai am bani numai pentru pâine și lapte.

Both mean only.
In everyday Romanian, doar is often a little more conversational, but both are very common.

Romanian word order is more flexible than English word order.

Starting with În portofel puts the location first, almost like setting the scene:

• În portofel mai am bani doar pentru pâine și lapte.

It feels a bit like:

• As for what’s in my wallet, I only have money left for bread and milk.

Other orders are possible, for example:

• Mai am bani în portofel doar pentru pâine și lapte.

But the original version is natural and emphasizes where the money is.

Because Romanian often leaves possession understood from context, especially when it is obvious whose object is being discussed.

So in context, În portofel can be understood as in my wallet.
But if you want to be fully explicit, you can absolutely say:

• În portofelul meu mai am bani doar pentru pâine și lapte.

That version is clearer if the context does not already make the owner obvious.