# ── Navigation ──────────────────────────────────────────────────────────────

[nav]
brand          = "Personal"
dashboard      = "Dashboard"
transactions   = "Transactions"
portfolio      = "Portfolio"
goals          = "Goals"
property       = "Property"
people         = "People"
business       = "🏢 Business"
hub_back       = "← Hub"

[nav.analysis]
reports        = "Reports"
projections    = "Projections"
tax            = "Tax"
networth       = "Net Worth"
simulator      = "What If"

[nav.settings]
accounts_categories = "Accounts & Categories"
import_csv     = "Import CSV"
import_guide   = "Import Guide"

[nav.drawer]
analysis_label = "Analysis"
settings_label = "Settings"

[nav.theme]
toggle_title   = "Toggle dark/light mode"
menu_aria      = "Menu"

# ── Homepage ─────────────────────────────────────────────────────────────────

[homepage]
title           = "Finance Hub — Personal & Business Finance"
brand           = "Finance Hub"
footer_tagline  = "Self-hosted homelab"

[homepage.nav]
signin          = "Sign in"
personal        = "Personal"
business        = "Business"

[homepage.hero]
eyebrow         = "Self-hosted · Private · Open"
title_line1     = "Personal wealth."
title_line2     = "Business finances."
subtitle        = "One self-hosted platform to track your personal wealth and manage your organisation's budget — without handing your data to anyone."
cta_get_started = "Get started"
cta_see_inside  = "See what's inside"
cta_open_personal = "Open personal"
cta_open_business = "Open business"

[homepage.trust]
data_privacy    = "Your data, your server"
multi_bank      = "Multi-bank CSV import"
dark_light      = "Dark & light mode"
role_access     = "Role-based access"
analytics       = "Real-time analytics"

[homepage.products.personal]
badge           = "Personal"
name            = "My Finance"
desc            = "Full visibility into your personal wealth — spending, investments, goals, and net worth in one place."
feature_1       = "Spending dashboard & monthly trends"
feature_2       = "Transactions with category budgets"
feature_3       = "Investment portfolio tracking"
feature_4       = "Financial goals with progress"
feature_5       = "Net worth & what-if projections"
feature_6       = "Tax report export"
feature_7       = "Household sharing & multi-user view"
cta_open        = "Open app"
cta_signin      = "Sign in"

[homepage.products.business]
badge           = "Business"
name            = "Organisations"
desc            = "Manage organisations, plan fiscal years, control event budgets, and keep teams financially aligned."
feature_1       = "Multi-org with fiscal year lifecycle"
feature_2       = "Teams with emoji avatars & roles"
feature_3       = "Events with budget lines & goals"
feature_4       = "Purchase requests & approval flow"
feature_5       = "Ledger & bank CSV import"
feature_6       = "Variance analysis per event & team"
feature_7       = "End-of-year narrative report"
cta_open        = "Open orgs"
cta_signin      = "Sign in"

[homepage.features.personal]
section_label   = "Personal Finance"
section_title   = "Complete visibility over your wealth"
section_sub     = "From daily coffee to long-term portfolio — everything in one dashboard, updated as you import."
chip1_title     = "Smart dashboard"
chip1_desc      = "Monthly income vs spending, top categories, recent transactions, and budget health at a glance."
chip2_title     = "Portfolio tracking"
chip2_desc      = "Import trades, track ISIN-mapped tickers, see P&L and allocation by asset class."
chip3_title     = "Goals & projections"
chip3_desc      = "Set savings goals, model scenarios, and see your projected net worth over time."

[homepage.features.business]
section_label   = "Business Finance"
section_title   = "Budget control for your org"
section_sub     = "From fiscal year kick-off to the final report — with full traceability for every euro spent."
chip1_title     = "Fiscal year lifecycle"
chip1_desc      = "Plan events and budgets per year. Activate, lock, and close with an end-of-year report."
chip2_title     = "Request & approval flow"
chip2_desc      = "Teams submit purchase requests. Finance approves, tracks delivery, and settles against the ledger."
chip3_title     = "Variance analysis"
chip3_desc      = "Compare planned vs actual per event and per team. Identify overspend before the year closes."

[homepage.signin_block]
title           = "Ready to get started?"
body            = "Finance Hub is self-hosted on your homelab. Sign in with your account to access your personal and business dashboards."
cta             = "Sign in to Finance Hub"

[homepage.mock]
net_income_label  = "Net income"
net_income_value  = "+€2,840"
net_income_sub    = "vs last month +12%"
net_worth_label   = "Net worth"
net_worth_sub     = "↑ €1,240 this month"
budget_health     = "Budget health"
groceries         = "Groceries"
dining_out        = "Dining out"
transport         = "Transport"
entertainment     = "Entertainment"
events_label      = "Events — Summer Festival 2025"
budget_label      = "Budget"
active_year       = "Active year"
requests_label    = "Requests"
sound_equipment   = "Sound equipment rental"
catering_deposit  = "Catering deposit"
stage_lighting    = "Stage lighting"
approved          = "Approved"
pending           = "Pending"
in_transit        = "In transit"

# ── Auth ─────────────────────────────────────────────────────────────────────

[auth.login]
page_title      = "Sign in — Finance Hub"
brand           = "Finance Hub"
heading         = "Welcome back"
subtext         = "Sign in to your account. No account?"
subtext_link    = "Create one →"
field_email     = "Email"
placeholder_email = "you@example.com"
field_password  = "Password"
placeholder_password = "••••••••"
btn_submit      = "Sign in →"
divider         = "or"
btn_google      = "Continue with Google"
footer_back     = "← Back to home"
error_oauth     = "Google sign-in failed. Please try again."

[auth.register]
page_title      = "Create account — Finance Hub"
brand           = "Finance Hub"
heading         = "Create your account"
subtext         = "Already have an account?"
subtext_link    = "Sign in →"
field_name      = "Name"
name_optional   = "(optional)"
placeholder_name = "Your name"
field_email     = "Email"
placeholder_email = "you@example.com"
field_password  = "Password"
placeholder_password = "••••••••"
hint_password   = "At least 8 characters"
field_confirm   = "Confirm password"
placeholder_confirm = "••••••••"
btn_submit      = "Create account →"
divider_oauth   = "or sign up with email"
btn_google      = "Continue with Google"
footer_back     = "← Back to home"

# ── Dashboard ────────────────────────────────────────────────────────────────

[dashboard]
title                   = "Dashboard"
available_to_spend      = "Available to spend this month"
available_formula       = "income − fixed costs − spent so far"
disposable_label        = "disposable"
month_progress          = "Month progress: {{pct}}%"
month_spent             = "Spent: {{pct}}%"

[dashboard.cards]
bank_should_be          = "Bank balance should be"
bank_should_be_sub      = "upcoming fixed + safety buffer"
savings_rate            = "Savings rate"
net_worth               = "Net worth"
net_worth_link          = "→ full breakdown"
portfolio_today         = "Portfolio today"
portfolio_cost_basis    = "cost basis · prices unavailable"
portfolio_no_trades     = "No trades yet"
portfolio_import_link   = "Import trades →"

[dashboard.bank_math]
section_title           = "What should be in your bank"
section_subtitle        = "right now"
safety_buffer           = "Safety buffer (2 weeks)"
minimum_recommended     = "Minimum recommended"
no_recurring_msg        = "No recurring expenses detected yet."
no_recurring_sub        = "Import a few months of transactions."

[dashboard.stocks]
section_title           = "Stocks at a glance"
portfolio_link          = "→ portfolio"
shares_label            = "shares"
cost_basis              = "cost basis"
total_label             = "Total"
total_invested          = "Total invested"
no_holdings_msg         = "No holdings yet."
import_link             = "Import trades →"

[dashboard.budget_health]
section_title           = "Budget health"
categories_link         = "→ categories"

[dashboard.recent]
section_title           = "Recent activity"
all_txns_link           = "→ all transactions"
no_txns_msg             = "No transactions yet."
import_link             = "Import some!"

[dashboard.goals]
section_title           = "Committed goals"
all_goals_link          = "→ all goals"
months_left             = "mo left"
per_month_needed        = "/mo needed"
of                      = "of"
this_month              = "This month"
funded                  = "On track"
fund_link               = "Fund it"
needed                  = "needed"
left_to_fund            = "left to fund"
needed_this_month       = "needed this month"

[dashboard.fixed_costs]
section_title           = "Fixed costs"
auto_detected           = "auto-detected · 3-month average"
committed_goal          = "committed goal"
recurring_expense       = "recurring expense"
per_month               = "/ month"
total_committed         = "Total committed"

[dashboard.alerts]
vs_last_month_up        = "↑ vs last month"
vs_last_month_down      = "↓ vs last month"

[dashboard.waterfall]
title                   = "Cash flow this month"
income                  = "Income"
living                  = "Living expenses"
goals                   = "Goal contributions"
goals_link              = "manage →"
free_cash               = "Free cash"
month_progress          = "Month progress"
what_now                = "What now?"
fund_link               = "Fund"
all_funded              = "All committed goals funded this month ✓"

# ── Transactions ─────────────────────────────────────────────────────────────

[transactions]
title               = "Transactions"
btn_add             = "+ Add Transaction"
warning_all_dupes   = "Every row in that file was already imported — nothing was added."

[transactions.filter]
label_category      = "Category"
option_all_cats     = "All Categories"
label_period        = "Period"
option_all_time     = "All time"
option_30_days      = "30 days"
option_90_days      = "90 days"
option_1_year       = "1 year"
label_search        = "Search"
placeholder_search  = "Description…"
btn_filter          = "Filter"
btn_clear           = "Clear"

[transactions.table]
col_date            = "Date"
col_description     = "Description"
col_account         = "Account"
col_category        = "Category"
col_amount          = "Amount"
btn_edit_category   = "Edit category"
btn_delete          = "Delete"
empty_msg            = "No transactions found."
empty_import_link    = "Import some"
empty_add_btn        = "add manually"
empty_state_title    = "No transactions yet"
empty_state_subtitle = "Transactions are the foundation of every chart, goal, and insight in this app."
empty_step1_title    = "Add an account"
empty_step1_body     = "Go to Settings → Accounts and create your checking or savings account first."
empty_step2_title    = "Import a CSV or add manually"
empty_step2_body     = "Export a statement from your bank and import it, or tap + Add Transaction to enter one by hand."
empty_step3_title    = "Tag categories & goals"
empty_step3_body     = "Once imported, categorise your spending. Link categories to goals so contributions are tracked automatically."

[transactions.modal_add]
title               = "Add Transaction"
label_date          = "Date"
label_description   = "Description"
placeholder_desc    = "e.g. Coffee at Starbucks"
label_amount        = "Amount (€)"
option_expense      = "− Expense"
option_income       = "+ Income"
placeholder_amount  = "0.00"
label_category      = "Category"
label_account       = "Account"
option_no_account   = "— none —"
label_goal          = "Fund a goal (optional)"
option_no_goal      = "— not a goal contribution —"
btn_cancel          = "Cancel"
btn_save            = "Save Transaction"
error_required      = "Please fill in date, description, and a positive amount."
error_save_failed   = "Failed to save."

[transactions.confirm]
delete_msg          = "Delete this transaction?"

# ── Portfolio ────────────────────────────────────────────────────────────────

[portfolio]
title               = "Portfolio"
missing_prices_warn = "Live price unavailable for {{n}} holding{{s}} — add a Yahoo Finance ticker to fix this"
lookup_link         = "Look up ↗"
btn_save_ticker     = "Save"
ticker_placeholder  = "e.g. QDVE.DE"

[portfolio.cards]
total_value         = "Total Value"
total_cost          = "Total Cost"
unrealized_pl       = "Unrealized P&L"

[portfolio.allocation]
section_title       = "Allocation"

[portfolio.holdings]
section_title       = "Holdings"
col_asset           = "Asset"
col_shares          = "Shares"
col_avg_cost        = "Avg Cost"
col_price           = "Price"
col_value           = "Value"
col_pl              = "P&L"
add_trades_via      = "Add trades via"
btn_import          = "Import CSV"

[portfolio.empty]
title               = "No trades yet"
desc                = "Import your Trade Republic securities CSV to see your portfolio."
btn_import          = "Import Trades"

# ── Goals ────────────────────────────────────────────────────────────────────

[goals]
title                   = "Goals"
tab_committed           = "Committed goals"
tab_planner             = "Goal Planner"

[goals.summary_cards]
avg_monthly_savings     = "Avg monthly savings"
last_3_months           = "last 3 months"
income                  = "Income"
this_month              = "this month"
goal_funded             = "Funded to goals"
tagged_transactions     = "via tagged transactions"
free_cash               = "Free cash"
after_goals             = "after goals"

[goals.goal_card]
type_once               = "One-off purchase"
type_deposit            = "Deposit / down-payment"
type_emergency          = "Emergency fund"
type_recurring          = "Recurring investment"
saved_of                = "saved of"
need_per_month          = "Need per month"
months_left             = "Months left"
at_current_rate         = "At current rate"
disposable_after        = "Disposable after"
on_track                = "✓ On track — your current savings rate covers €{{monthly}}/month with {{months}} months to go."
behind_warn             = "⚠ At your current rate (€{{rate}}/mo) you'd reach this in {{actual}} months — {{diff}} months late."
btn_adjust_deadline     = "Adjust deadline →"
btn_committed           = "✓ Committed — click to uncommit"
btn_commit              = "Commit to this goal"
btn_remove              = "Remove"
confirm_remove          = "Remove this goal?"
btn_fund                = "Fund this goal"
funding_history         = "Recent contributions"
no_funding_yet          = "No transactions tagged yet. Add a transaction and link it to this goal."

[goals.empty]
title                   = "No goals yet"
desc                    = "Use the Goal Planner tab to simulate a goal and save it here."
btn_open_planner        = "Open Goal Planner →"
step1_title             = "Open the Goal Planner"
step1_body              = "Simulate how much you need to save monthly and by when. Try different deadlines to find a realistic target."
step2_title             = "Commit to the goal"
step2_body              = "Mark a goal as committed so it appears in your waterfall and \"what now?\" prompts on the dashboard."
step3_title             = "Fund it every month"
step3_body              = "Add expense transactions tagged to this goal, or link a spending category in Settings to auto-tag them."

[goals.planner]
what_kind               = "What kind of goal?"
purchase_title          = "Save for a purchase"
purchase_desc           = "Car, trip, gadget, fund — save up to a target by a date."
transition_title        = "Sell & upgrade"
transition_desc         = "Own an asset with a loan, acquire something new, sell the old to fund it."

[goals.planner.purchase]
form_title              = "Your purchase goal"
label_name              = "Goal name"
placeholder_name        = "e.g. New car, Europe trip, Emergency fund…"
label_target            = "Target amount (€)"
placeholder_target      = "e.g. 12000"
label_monthly_savings   = "Monthly savings (€)"
placeholder_monthly     = "e.g. 400"
label_deadline          = "Target date (optional — leave blank to see when you'll get there)"
btn_calculate           = "Calculate →"

[goals.planner.purchase_result]
card_at_rate            = "At your savings rate"
card_monthly_needed     = "Monthly needed"
card_target             = "Target"
your_goal_amount        = "your goal amount"
to_hit_deadline         = "to hit {{date}}"
set_target_date         = "set a target date above"
enter_monthly           = "enter monthly savings"
reach_label             = "reach {{date}}"
on_track                = "✓ On track — €{{monthly}}/mo covers the required €{{needed}}/mo."
behind_warn             = "⚠ You need €{{needed}}/mo to hit the deadline but you're saving €{{monthly}}/mo. At your current rate you'll get there in {{months}} months ({{date}})."
save_as_goal_title      = "Save as a goal"
save_as_goal_desc       = "Adds this to your Goals tab so you can commit to it."
label_goal_name         = "Goal name"
placeholder_goal_name   = "e.g. New car"
btn_save_goal           = "Save goal →"

[goals.planner.transition]
form_title              = "Your transition scenario"
label_current_asset     = "Current asset (optional)"
option_none_asset       = "— none selected —"
label_current_loan      = "Current loan (optional)"
option_none_loan        = "— none selected —"
label_dream_cost        = "New goal cost (€)"
placeholder_dream_cost  = "e.g. 350000"
label_down_pct          = "Down payment (%)"
label_loan_rate         = "New loan rate (% annual)"
label_loan_term         = "New loan term (years)"
label_build_months      = "Acquisition / build period (months)"
label_monthly_savings   = "Monthly savings available (€)"
placeholder_savings     = "e.g. 800"
label_sale_price        = "Expected sale price of current asset (€)"
placeholder_sale_price  = "leave blank to use current value"
btn_run                 = "Run simulation →"

[goals.planner.transition_result]
card_total_timeline     = "Total timeline"
until_paid_off          = "until goal is fully paid off"
card_final_monthly      = "Final monthly cost"
after_selling           = "after selling current asset"
card_total_interest     = "Total interest"
across_both_loans       = "across both loans"
card_free_by            = "Free by"
fully_paid_off          = "fully paid off"
roadmap_title           = "Your roadmap"
phase1_title            = "Save down payment"
phase1_target           = "Target:"
phase1_already_have     = "Already have:"
phase1_still_need       = "Still need:"
phase1_saving           = "Saving:"
phase1_ready            = "Ready now!"
phase1_equity_covers    = "equity covers down payment"
phase1_down_payment     = "Down payment:"
phase1_your_equity      = "Your equity:"
phase2_title            = "Acquire / build"
phase2_new_loan         = "New loan:"
phase2_existing_loan    = "Existing loan:"
phase2_new_emi          = "New EMI:"
phase2_total_burden     = "Total burden:"
phase3_title            = "Sell & transition"
phase3_one_time         = "One-time event"
phase3_after_acquisition = "after acquisition completes"
phase3_sale_price       = "Sale price:"
phase3_pay_off          = "Pay off loan:"
phase3_net_proceeds     = "Net proceeds:"
phase3_applied          = "Applied to new loan"
phase4_title            = "Goal achieved"
phase4_remaining_loan   = "Remaining loan:"
phase4_monthly          = "Monthly:"
phase4_fully_paid       = "Fully paid!"
phase4_sale_cleared     = "sale proceeds cleared the loan"
phase4_no_remaining     = "No remaining loan!"
chart_title             = "Monthly cost over time"
chart_subtitle          = "what you pay each month"
save_as_goal_title      = "Save as a goal"
save_as_goal_desc       = "Adds this to your Goals tab so you can commit to it."
label_goal_name         = "Goal name"
placeholder_goal_name   = "e.g. New property, Upgrade car…"
btn_save_goal           = "Save goal →"

# ── Property ─────────────────────────────────────────────────────────────────

[property]
summary_total_value         = "Total property value"
summary_total_value_sub     = "current estimated value"
summary_outstanding_loans   = "Outstanding loans"
summary_outstanding_sub     = "remaining balance"
summary_net_equity          = "Net equity"
summary_net_equity_sub      = "value − loans"

[property.properties]
section_title               = "Properties"
btn_add                     = "+ Add property"
stat_current_value          = "Current value"
stat_equity                 = "Equity"
stat_purchase_price         = "Purchase price"
stat_gain                   = "Gain"
equity_label                = "Equity {{pct}}%"
loan_label                  = "Loan {{pct}}%"
loan_remaining              = "Remaining"
loan_monthly_payment        = "Monthly payment"
loan_payoff                 = "Payoff"
loan_rate                   = "Rate"
btn_edit                    = "Edit"
btn_remove                  = "Remove"

[property.properties.empty]
title                       = "No properties yet"
desc                        = "Add your home, investment property, or land to track equity and loans in one place."
btn_add_first               = "Add your first property"

[property.loans]
section_title               = "Loans"
btn_add                     = "+ Add loan"
stat_balance                = "Balance"
stat_monthly                = "Monthly"
stat_payoff                 = "Payoff"
stat_rate                   = "Rate"
paid_label                  = "Paid {{pct}}%"
interest_left               = "interest left"
btn_mark_paid               = "Mark paid off"
btn_remove                  = "Remove"
confirm_paid_off            = "Mark as paid off?"

[property.modal_add]
title_property              = "Add property"
label_name                  = "Property name *"
placeholder_name            = "e.g. Main House"
label_address               = "Address"
placeholder_address         = "Street, city"
label_purchase_price        = "Purchase price (€) *"
placeholder_purchase_price  = "220000"
label_current_value         = "Current value (€)"
placeholder_current_value   = "Same as purchase"
hint_current_value          = "Leave blank to use purchase price"
label_purchase_date         = "Purchase date"
label_appreciation          = "Est. appreciation (%/year)"
placeholder_appreciation    = "2.0"
label_status                = "Status"
status_owned                = "Owned"
status_building             = "Under construction"
status_sold                 = "Sold"
label_notes                 = "Notes"
placeholder_notes           = "Optional notes"
btn_cancel                  = "Cancel"
btn_add                     = "Add property"

[property.modal_edit]
title_property              = "Edit property"
label_name                  = "Property name *"
label_address               = "Address"
label_purchase_price        = "Purchase price (€)"
label_current_value         = "Current value (€)"
label_purchase_date         = "Purchase date"
label_appreciation          = "Appreciation (%/year)"
label_status                = "Status"
status_owned                = "Owned"
status_building             = "Under construction"
status_sold                 = "Sold"
label_notes                 = "Notes"
btn_cancel                  = "Cancel"
btn_save                    = "Save changes"

[property.modal_loan]
title_loan                  = "Add loan"
label_name                  = "Loan name *"
placeholder_name            = "e.g. Home mortgage"
label_type                  = "Type"
type_mortgage               = "Mortgage"
type_construction           = "Construction loan"
type_personal               = "Personal loan"
label_linked_property       = "Linked property"
option_none_property        = "— none —"
label_principal             = "Original principal (€) *"
placeholder_principal       = "200000"
label_balance               = "Current balance (€)"
placeholder_balance         = "Same as principal"
hint_balance                = "Leave blank if just starting"
label_interest_rate         = "Interest rate (%/year) *"
placeholder_rate            = "3.2"
label_term                  = "Term (months) *"
placeholder_term            = "360"
hint_term                   = "e.g. 360 = 30 years"
label_monthly_payment       = "Monthly payment (€)"
placeholder_monthly_payment = "Auto-computed"
hint_monthly_payment        = "Leave blank to calculate"
label_start_date            = "Start date"
label_notes                 = "Notes"
placeholder_notes           = "Bank name, reference, etc."
btn_cancel                  = "Cancel"
btn_add                     = "Add loan"

# ── Net Worth ─────────────────────────────────────────────────────────────────

[networth]
title                   = "Net Worth"
hero_label              = "Total net worth"
hero_formula            = "cash balance + portfolio"
cash_label              = "💵 Cash"
portfolio_label         = "📈 Portfolio"
property_equity_label   = "🏠 Property equity"
credit_label            = "💳 Credit"

[networth.cards]
cash_balance            = "Cash balance"
cash_balance_sub        = "all transaction history"
portfolio               = "Portfolio"
portfolio_cost_basis    = "Portfolio (cost basis)"
portfolio_market        = "market value"
portfolio_cost_shown    = "prices unavailable · cost basis shown"
property_equity         = "Property equity"
credit_liabilities      = "Credit / liabilities"
outstanding_balance     = "outstanding balance"

[networth.chart]
section_title           = "Net worth over time"
subtitle                = "cumulative · all time"
legend_net_worth        = "Net Worth"
legend_loans            = "Loans outstanding"

[networth.empty]
title                   = "No transaction history yet"
desc                    = "Import some transactions to see your net worth over time."
btn_import              = "Import transactions →"

# ── Reports ──────────────────────────────────────────────────────────────────

[reports]
title                   = "Monthly Reports"
chart_title             = "12-Month Spend by Category"
table_title             = "Breakdown by Month"
col_month               = "Month"
col_total               = "Total"

# ── Projections ──────────────────────────────────────────────────────────────

[projections]
title                   = "Projections"
card_annual_spend       = "Projected Annual Spend"
card_annual_sub         = "Based on 6-month average"
card_monthly_spend      = "Projected Monthly Spend"
card_monthly_sub        = "Average across all categories"
chart_title             = "Monthly Average by Category — Last 6 Months"
table_col_category      = "Category"
table_col_monthly_avg   = "Monthly Avg"
table_col_projected     = "Projected Annual"
table_col_share         = "Share of Spend"

[projections.empty]
title                   = "No spending data yet"
desc                    = "Import at least a month of transactions to see projections."
btn_import              = "Import Transactions"

# ── Simulator ("What If") ────────────────────────────────────────────────────

[simulator]
title                   = "What If…"
subtitle                = "adjust sliders to see the ripple effect"

[simulator.cards]
disposable_income       = "Disposable income"
disposable_sub          = "after fixed costs & goals"
monthly_savings         = "Monthly savings"
monthly_savings_sub     = "income − all committed spend"
savings_rate            = "Savings rate"
savings_rate_sub        = "savings ÷ income"

[simulator.controls]
section_title           = "Adjustments"
btn_reset               = "Reset"
label_income_change     = "Income change"
label_one_off           = "One-off expense"
label_fixed_costs       = "Fixed costs change"
label_new_goal          = "Hypothetical new goal"
label_goal_amount       = "Amount (€)"
placeholder_goal_amount = "5 000"
label_goal_months       = "Months to save"
placeholder_goal_months = "12"
goal_would_need         = "Would need"
per_month               = "€0/mo"
leaving                 = "— leaving"
disposable_after        = "€0/mo disposable"

[simulator.goal_impact]
section_title           = "Goal timeline impact"
no_goals_msg            = "No goals yet."
goals_link              = "Add some →"
committed               = "committed"
feasibility_not_achievable = "Not achievable at this savings level"
feasibility_on_track    = "On track ✓"
feasibility_faster      = "months faster ✓"
feasibility_over        = "months over deadline"

[simulator.history_chart]
section_title           = "Savings rate history"
subtitle                = "past months"

# ── Tax ──────────────────────────────────────────────────────────────────────

[tax]
title                   = "Tax Summary"
btn_export              = "Export CSV"
year_label              = "Tax year:"
gross_income            = "Gross Income"
gross_income_sub        = "from Income transactions"
total_expenses          = "Total Expenses"
total_expenses_sub      = "across all categories"
capital_gains           = "Capital Gains"
capital_gains_sub       = "realized this year"
capital_losses          = "Capital Losses"
capital_losses_sub      = "realized this year"
net_capital             = "Net Capital"
net_capital_sub         = "gains − losses"

[tax.capital_table]
section_title           = "Realized Capital Events"
col_name                = "Name"
col_isin                = "ISIN"
col_cost_basis          = "Cost Basis"
col_proceeds            = "Proceeds"
col_gain_loss           = "Gain/Loss"
col_pct                 = "%"

[tax.expenses_table]
section_title           = "Expenses by Category"
col_category            = "Category"
col_total_spent         = "Total Spent"
row_total               = "Total"
empty_msg               = "No expense transactions for {{year}}"

# ── Auto Import Guide ────────────────────────────────────────────────────────

[auto_import]
title                   = "Import Guide"
subtitle                = "How to get your bank transactions into the app"
btn_upload              = "Upload CSV →"

[auto_import.steps]
step1_title             = "Export a CSV from your bank"
step1_body              = "Log into your bank's online portal and download a transaction extract for the period you want. Most Portuguese banks offer this under Movimentos or Extratos."
step1_cgd_name          = "CGD (Caixa Geral de Depósitos)"
step1_cgd_desc          = "Netbanco → Consultas → Movimentos de Conta → Exportar. Choose CSV."
step1_tr_name           = "Trade Republic"
step1_tr_desc           = "App → Profile → Documents → Activity. Export as CSV."
step1_generic_name      = "Generic / Other banks"
step1_generic_desc      = "Any CSV with columns: Date, Description, Amount. The importer auto-detects column order."
step2_title             = "Upload and preview"
step2_body              = "Go to Import, pick the account and format, then select your file. You'll see a preview of every row with auto-suggested categories. Rows already in the database are shown greyed out and will be skipped automatically — safe to re-upload the same file."
step3_title             = "Review categories and confirm"
step3_body              = "Adjust any auto-categorised rows using the dropdown selectors, then click Confirm Import. Only new transactions are saved."

[auto_import.tip]
title                   = "Tip — avoid duplicates:"
body                    = "the importer fingerprints each row by date, description, amount, and account. Re-uploading a file that overlaps with a previous import is safe; duplicates are detected and skipped at both preview and confirm time."

[auto_import.api]
title                   = "Automate with a script"
body                    = "If you export your CSV on a schedule (e.g. via a cron job or n8n), you can push it directly to the import endpoint without going through the UI:"
footer                  = "The preview endpoint returns an HTML page; for headless import pipe the confirmed rows to POST /import/confirm with the same account_id, format, raw_data, and categories[] fields."

# ── Import ────────────────────────────────────────────────────────────────────

[import]
title                   = "Import"

[import.preview]
section_title           = "Preview"
rows_label              = "rows"
already_imported        = "already imported"
skip_note               = "(shown greyed out, will be skipped)"
btn_back                = "← Back"
col_date                = "Date"
col_description         = "Description"
col_amount              = "Amount"
col_category            = "Category"
duplicate_label         = "duplicate"
btn_confirm             = "✓ Confirm Import"
btn_cancel              = "Cancel"

[import.upload]
bank_section_title      = "Bank Transactions"
label_account           = "Account"
placeholder_account     = "Select account…"
label_format            = "Bank / Format"
format_cgd              = "Caixa Geral de Depósitos (CGD)"
format_tr               = "Trade Republic Card"
format_generic          = "Generic CSV"
label_csv_file          = "CSV File"
btn_preview             = "Preview Import"
securities_title        = "Securities Trades"
securities_desc         = "Upload your Trade Republic securities CSV to import buy/sell trades into your portfolio."
label_securities_file   = "Trade Republic Securities CSV"
btn_import_trades       = "Import Trades"
after_import_note       = "After importing, visit Portfolio to see live prices and P&L."

# ── Settings ─────────────────────────────────────────────────────────────────

[settings]
title               = "Settings"
tab_accounts        = "Accounts"
tab_categories      = "Categories"

[settings.accounts]
card_add_title      = "Add account"
placeholder_name    = "Account name"
type_checking       = "Checking"
type_savings        = "Savings"
type_credit         = "Credit card"
type_securities     = "Securities"
btn_add             = "Add"
col_name            = "Name"
col_type            = "Type"
btn_delete          = "Delete"
empty_msg           = "No accounts yet — add one above."
confirm_delete      = "Delete this account?"

[settings.categories]
card_add_title      = "Add category"
placeholder_name    = "Category name"
placeholder_budget  = "Monthly budget (cents)"
btn_add             = "Add"
col_category        = "Category"
col_budget          = "Monthly Budget"
col_goal            = "Auto-tags goal"
btn_delete          = "Delete"
empty_msg           = "No categories yet — add one above."
confirm_delete      = "Delete this category?"

[settings.categories.modal_edit]
title               = "Edit Category"
placeholder_name    = "Name"
placeholder_budget  = "Budget (cents)"
label_goal          = "Auto-tag goal"
option_no_goal      = "— none —"
goal_hint           = "Expenses in this category will automatically fund the selected goal."
btn_cancel          = "Cancel"
btn_save            = "Save"

# ── Accounts (standalone page) ────────────────────────────────────────────────

[accounts]
title               = "Accounts"
add_title           = "Add Account"
label_name          = "Account Name"
placeholder_name    = "e.g. CGD Checking"
label_type          = "Type"
type_checking       = "Checking"
type_savings        = "Savings"
type_credit         = "Credit Card"
type_securities     = "Securities"
btn_add             = "Add"
col_name            = "Name"
col_type            = "Type"
empty_msg           = "No accounts yet."
confirm_delete      = "Delete this account?"
btn_delete          = "Delete"

# ── Categories (standalone page) ──────────────────────────────────────────────

[categories]
title               = "Categories"
add_title           = "Add Category"
label_name          = "Name"
placeholder_name    = "e.g. Dining"
label_color         = "Color"
btn_add             = "Add"
col_color           = ""
col_name            = "Name"
col_budget          = "Monthly Budget"
no_budget           = "No budget"
btn_edit_budget     = "Edit"
btn_save_budget     = "Save"
btn_cancel_budget   = "Cancel"
btn_delete          = "Delete"
empty_msg           = "No categories yet. Add one above."
confirm_delete      = "Delete this category? Transactions keep their label."

# ── Sharing ───────────────────────────────────────────────────────────────────

[sharing]
title               = "Sharing"
grant_title         = "Grant Read Access"
label_user_email    = "User Email"
placeholder_email   = "Search by email…"
btn_grant           = "Grant Access"
my_finances_title   = "People with access to my finances"
col_user            = "User"
col_since           = "Since"
btn_revoke          = "Revoke"
empty_my_grants     = "No access grants yet."
access_to_me_title  = "Access granted to me"
col_owner           = "Owner"
empty_access_to_me  = "No one has shared with you yet."
confirm_revoke      = "Revoke access for this user?"

# ── People ────────────────────────────────────────────────────────────────────

[people]
title               = "People"
tab_sharing         = "Sharing"
tab_household       = "Household"

[people.sharing]
grant_title         = "Grant read access"
grant_desc          = "Enter another user's ID to let them view your finances in read-only mode."
placeholder_viewer  = "User ID or email"
btn_add             = "Add"
viewers_title       = "People with access to your data"
btn_revoke          = "Revoke"
granted_title       = "Accounts you can view"
view_link           = "View →"
no_sharing_msg      = "No sharing configured yet."
confirm_revoke      = "Revoke access for this user?"

[people.household]
link_title          = "Link a partner account"
link_desc           = "Combine finances with a partner to see a shared monthly overview and goals."
placeholder_email   = "Partner's email"
btn_link            = "Link"
linked_partner      = "Linked partner"
btn_unlink          = "Unlink"
stat_combined_income    = "Combined Income"
stat_my_income          = "My Income"
stat_partner_income     = "Partner Income"
stat_combined_expenses  = "Combined Expenses"
stat_disposable         = "Disposable"
your_goals          = "Your Goals"
partner_goals       = "Partner Goals"
no_goals            = "No goals"
committed_badge     = "committed"
confirm_unlink      = "Unlink household? This only removes the link, not any data."

# ── Household (standalone page) ───────────────────────────────────────────────

[household]
title               = "Household"
link_title          = "Link a partner account"
link_desc           = "Combine your finances with a partner to see a shared dashboard. Enter their account email address below."
label_partner_email = "Partner email"
placeholder_email   = "partner@example.com"
btn_link            = "Link Partner"
linked_partner      = "Linked partner"
btn_unlink          = "Unlink"
this_month_title    = "This Month — Combined View"
combined_income     = "Combined Income"
my_income           = "My Income"
partner_income      = "Partner Income"
combined_expenses   = "Combined Expenses"
disposable          = "Disposable"
goals_title         = "Goals"
your_goals          = "YOUR GOALS"
partner_goals       = "PARTNER GOALS"
no_goals            = "No goals"
committed_badge     = "committed"
confirm_unlink      = "Unlink household? This only removes the link, not any data."

# ── Goal Planner (plan.html — standalone) ─────────────────────────────────────

[plan]
title                       = "Goal Planner"
scenario_title              = "Your scenario"
scenario_desc               = "Model any transition where you hold an asset with a loan, want to acquire a new one, then sell the old to fund the new."
label_current_asset         = "Current asset (optional)"
option_none_asset           = "— none selected —"
label_current_loan          = "Current loan (optional)"
option_none_loan            = "— none selected —"
label_dream_cost            = "New goal cost (€)"
placeholder_dream_cost      = "e.g. 350000"
label_down_pct              = "Down payment (%)"
label_loan_rate             = "New loan rate (% annual)"
label_loan_term             = "New loan term (years)"
placeholder_loan_term       = "30"
label_build_months          = "Acquisition / build period (months)"
label_monthly_savings       = "Monthly savings available (€)"
placeholder_savings         = "e.g. 800"
label_sale_price            = "Expected sale price of current asset (€)"
placeholder_sale_price      = "leave blank to use current value"
btn_run                     = "Run simulation →"
result_total_timeline       = "Total timeline"
result_until_paid           = "until goal is fully paid off"
result_final_monthly        = "Final monthly cost"
result_after_selling        = "after selling current asset"
result_total_interest       = "Total interest"
result_across_both          = "across both loans combined"
result_free_by              = "Free by"
result_fully_paid           = "fully paid off"
roadmap_title               = "Your roadmap"
phase1_title                = "Save down payment"
phase1_target               = "Target:"
phase1_already_have         = "Already have:"
phase1_still_need           = "Still need:"
phase1_saving               = "Saving:"
phase1_ready                = "Ready now!"
phase1_equity_covers        = "equity covers down payment"
phase1_down_payment         = "Down payment:"
phase1_your_equity          = "Your equity:"
phase2_title                = "Acquire / build"
phase2_new_loan             = "New loan:"
phase2_existing_loan        = "Existing loan:"
phase2_new_emi              = "New EMI:"
phase2_total_burden         = "Total burden:"
phase3_title                = "Sell & transition"
phase3_one_time             = "One-time event"
phase3_after_acquisition    = "after acquisition completes"
phase3_sale_price           = "Sale price:"
phase3_pay_off              = "Pay off loan:"
phase3_net_proceeds         = "Net proceeds:"
phase3_applied              = "Applied to new loan"
phase4_title                = "Goal achieved"
phase4_remaining_loan       = "Remaining loan:"
phase4_monthly_payment      = "Monthly payment:"
phase4_just_new_loan        = "just the new loan"
phase4_fully_paid           = "Fully paid!"
phase4_sale_cleared         = "sale proceeds cleared the loan"
phase4_no_remaining         = "No remaining loan!"
phase4_sale_covers          = "The sale covers everything."
chart_title                 = "Monthly cost over time"
chart_subtitle              = "what you pay each month"
levers_title                = "Key levers"
lever1_title                = "Save more monthly"
lever1_desc                 = "Each extra €100/mo shortens Phase 1 and gets you acquiring sooner."
lever2_title                = "Increase the down payment"
lever2_desc                 = "A higher down % reduces the new loan and lowers the double-burden in Phase 2."
lever3_title                = "Sell at a higher price"
lever3_desc                 = "Every extra euro from the sale goes straight to reducing the new loan balance."
lever4_title                = "Negotiate the rate"
lever4_desc                 = "Even 0.5% less on the new loan saves thousands over the full term."
empty_title                 = "Plan your next big goal"
empty_desc                  = "Model any transition where you hold an asset with a loan, want to acquire something new, and plan to sell the old to fund it — including the double-payment period, the sale, and the final payoff date."
empty_tip                   = "Tip: add your current asset and loan first so the planner can pre-fill the numbers."

# ── Help tooltips ─────────────────────────────────────────────────────────────

[help.free_cash]
title   = "Free Cash"
body    = "What's left after paying for life and funding your goals. Positive means you have room to save or spend more."
formula = "Income − Living expenses − Goal contributions"

[help.savings_rate]
title   = "Savings Rate"
body    = "The share of your income you're keeping. Above 20% is healthy; below 0% means you spent more than you earned."
formula = "(Income − Expenses) ÷ Income × 100"

[help.net_worth]
title   = "Net Worth"
body    = "Everything you own minus everything you owe. Tracking this monthly is the single best measure of financial health."
formula = "Cash + Investments + Property equity − Debts"

[help.monthly_needed]
title   = "Monthly amount needed"
body    = "How much to set aside each month to hit your target by the deadline."
formula = "(Target − Saved) ÷ Months remaining"

[help.at_current_rate]
title   = "At current rate"
body    = "How many months it would actually take based on your average monthly savings. Green = on time, red = late."

[help.disposable_after]
title   = "Free cash after this goal"
body    = "Your estimated monthly free cash if you commit to this goal. Red means you'd need to cut spending elsewhere."
formula = "Income − Living − All committed goals − This goal"