100 lines
4.0 KiB
Markdown
100 lines
4.0 KiB
Markdown
# k3s Home Lab
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- author: @GoncaloRodri
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---
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## Finance App
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A self-hosted personal finance dashboard running on k3s. Tracks transactions, budgets, and investments — with the goal of becoming a full financial co-pilot.
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### Current features
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- Import bank transactions via CSV (CGD, Trade Republic, generic)
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- Categorise transactions with auto-categorisation and colour-coded badges
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- Monthly budget tracking with progress bars (over-budget alerts)
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- Dashboard with income vs expense split and 90-day balance trend
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- Monthly reports (stacked bar chart, 12-month breakdown)
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- Spending projections based on 6-month average
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- Investment portfolio with live prices via Yahoo Finance and a 3-D allocation chart
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- Dark / light mode with system preference detection
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- Read-only sharing between users
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---
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## Roadmap
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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).
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### Phase 1 — Dashboard redesign + disposable income number *(next)*
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Replace the current information-dense dashboard with a focused layout that immediately answers the questions that matter:
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**Hero block — "Available to spend until payday"**
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- A single, always-visible number calculated as: `Income − fixed expenses − goal contributions − category budgets`
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- Month-progress bar showing how much of the disposable budget has been used
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**3 diagnostic cards**
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- *Bank balance should be* — exact breakdown: rent + bills + subscriptions + investments + safety buffer = minimum recommended balance right now
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- *Savings rate* — % of income saved, with month-over-month delta
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- *Portfolio today* — total market value and today's change
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**Supporting panels (below the fold)**
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- *Stocks at a glance* — per-ETF value and P&L, without navigating to the full portfolio page
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- *Budget health* — thin progress bars per category, highlighted when near or over limit
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- *Recent activity* — last 4–5 transactions with colored category dots
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**Underlying data work**
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- Auto-detect fixed/recurring expenses from transaction history (rent, subscriptions, utilities)
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- Separate fixed costs from variable spend so budgets only cover what you can actually control
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- Savings rate trend (% of income saved each month)
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---
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### Phase 2 — Goals: explore mode
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Before committing to a financial goal, plan it first.
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- 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)
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- Input: target amount + deadline
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- Output: monthly contribution needed, impact on disposable income, months to target at current savings rate
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- No commitment required — explore as many scenarios as you want
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---
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### Phase 3 — Goals: commit + plan
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- Committed goals generate a monthly "reservation" deducted from your disposable income
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- Conflict detection: "you can't fund both the Switch by June and the house deposit by 2028 at this savings rate"
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- Goal progress tracking over time
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---
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### Phase 4 — Net worth
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- Cash accounts + portfolio market value − credit card balances = net worth
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- Historical net worth chart (all data already exists, just needs aggregation)
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---
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### Phase 5 — "What if" simulator + savings rate
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- Drag a slider for income change, a one-off expense, or a new goal — see how it ripples through disposable income and goal timelines
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- Savings rate history and trend once several months of goal data exist
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---
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### Phase 6 — Alerts and nudges
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- "You've spent 80% of your Food budget and it's only the 15th"
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- "You're on track to miss your Switch goal by 2 months"
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- Delivered as dashboard banners initially, push notifications or email later
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---
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### Future / backlog
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- **Household mode** — merge incomes and goals for couples planning together (extends the existing sharing feature)
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- **Automatic transaction import** — scheduled CSV fetch or open banking integration
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- **Tax summary** — annual income, investment gains, and deductible expenses export
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