k3s Home Lab
- author: @GoncaloRodri
Finance App
A self-hosted personal finance dashboard running on k3s. Tracks transactions, budgets, and investments — with the goal of becoming a full financial co-pilot.
Current features
- Import bank transactions via CSV (CGD, Trade Republic, generic)
- Categorise transactions with auto-categorisation and colour-coded badges
- Monthly budget tracking with progress bars (over-budget alerts)
- Dashboard with income vs expense split and 90-day balance trend
- Monthly reports (stacked bar chart, 12-month breakdown)
- Spending projections based on 6-month average
- Investment portfolio with live prices via Yahoo Finance and a 3-D allocation chart
- Dark / light mode with system preference detection
- Read-only sharing between users
Roadmap
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 — Dashboard redesign + disposable income number (next)
Replace the current information-dense dashboard with a focused layout that immediately answers the questions that matter:
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)
Phase 2 — Goals: explore mode
Before committing to a financial goal, plan it first.
- Goal types: one-off purchase (Nintendo Switch, laptop, holiday), deposit / down-payment (house, apartment), emergency fund (auto-sized to N months of your average spend), recurring investment (links to the portfolio)
- Input: target amount + deadline
- Output: monthly contribution needed, impact on disposable income, months to target at current savings rate
- No commitment required — explore as many scenarios as you want
Phase 3 — Goals: commit + plan
- Committed goals generate a monthly "reservation" deducted from your disposable income
- Conflict detection: "you can't fund both the Switch by June and the house deposit by 2028 at this savings rate"
- Goal progress tracking over time
Phase 4 — Net worth
- Cash accounts + portfolio market value − credit card balances = net worth
- Historical net worth chart (all data already exists, just needs aggregation)
Phase 5 — "What if" simulator + savings rate
- Drag a slider for income change, a one-off expense, or a new goal — see how it ripples through disposable income and goal timelines
- Savings rate history and trend once several months of goal data exist
Phase 6 — Alerts and nudges
- "You've spent 80% of your Food budget and it's only the 15th"
- "You're on track to miss your Switch goal by 2 months"
- Delivered as dashboard banners initially, push notifications or email later
Future / backlog
- Household mode — merge incomes and goals for couples planning together (extends the existing sharing feature)
- Automatic transaction import — scheduled CSV fetch or open banking integration
- Tax summary — annual income, investment gains, and deductible expenses export