From 4a767bbc42a4e1bc74cf4f7f5259404976719681 Mon Sep 17 00:00:00 2001 From: =?UTF-8?q?Gon=C3=A7alo=20Rodrigues?= Date: Sat, 13 Jun 2026 13:20:39 +0100 Subject: [PATCH] add plan --- README.md | 19 ++++++++++++++++--- 1 file changed, 16 insertions(+), 3 deletions(-) diff --git a/README.md b/README.md index 9188298..b5e1b7e 100644 --- a/README.md +++ b/README.md @@ -26,12 +26,25 @@ A self-hosted personal finance dashboard running on k3s. Tracks transactions, bu The main goal is to evolve from a **ledger** (records what happened) into a **financial co-pilot** (tells you what to do next, based on where you want to end up). -### Phase 1 — Disposable income number *(next)* +### Phase 1 — Dashboard redesign + disposable income number *(next)* -A single, always-visible number: **"You have €X to spend freely this month."** +Replace the current information-dense dashboard with a focused layout that immediately answers the questions that matter: -Calculated as: `Income − fixed expenses − goal contributions − category budgets` +**Hero block — "Available to spend until payday"** +- A single, always-visible number calculated as: `Income − fixed expenses − goal contributions − category budgets` +- Month-progress bar showing how much of the disposable budget has been used +**3 diagnostic cards** +- *Bank balance should be* — exact breakdown: rent + bills + subscriptions + investments + safety buffer = minimum recommended balance right now +- *Savings rate* — % of income saved, with month-over-month delta +- *Portfolio today* — total market value and today's change + +**Supporting panels (below the fold)** +- *Stocks at a glance* — per-ETF value and P&L, without navigating to the full portfolio page +- *Budget health* — thin progress bars per category, highlighted when near or over limit +- *Recent activity* — last 4–5 transactions with colored category dots + +**Underlying data work** - Auto-detect fixed/recurring expenses from transaction history (rent, subscriptions, utilities) - Separate fixed costs from variable spend so budgets only cover what you can actually control - Savings rate trend (% of income saved each month)