# Personal Finance / Cashflow / Budgeting Module Backlog

Status: Backlog only. Do not implement in the current Investment Portfolio MVP phase.

Scope boundary:

- The current focus remains Investment Portfolio MVP.
- No real bank CSVs, credit-card CSVs, payslips, receipts, PDFs, or transaction data belong in Git.
- Future real data imports must be runtime-only, dry-run first, audited, and manually confirmed before any commit to the runtime database.

## A. Income / Lohn

- Capture salary payments.
- Capture other income.
- Monthly net income.
- Recurring income.
- Annual overview.
- Link to savings rate and investable amount.

## B. Expense Tracking

- Credit-card CSV import.
- Bank-transaction CSV import.
- Manual expenses.
- Merchant detection.
- Category detection.
- Recurring expenses.
- Subscriptions.
- Expenses by month, merchant, and category.

## C. Budgeting

- Monthly budget.
- Category budgets.
- Fixed vs. variable costs.
- Food / grocery budget.
- Savings target.
- Budget vs. actual comparison.
- Warnings for budget overruns.

## D. Receipt Import

- Migros, Coop, and other shopping receipts as PDF/CSV.
- Later OCR/PDF extraction if needed.
- Line items or categories from receipts.
- Separate food-cost analysis.
- Merchant normalization.
- No receipts in Git.

## E. Categorization Engine

- Rule-based categorization.
- Merchant mapping.
- Manual review queue.
- Category suggestions.
- No LLM requirement.
- Optional local LLM later for receipt/text classification.

## F. Cashflow Dashboard

- Income.
- Expenses.
- Monthly surplus.
- Savings rate.
- Investable amount.
- Liquidity.
- Budget vs. actual.
- Portfolio links:
  - How much cash can be invested?
  - Emergency fund / health reserve.
  - Monthly investment plan.

## G. Security

- Payment data and receipts are confidential.
- Real CSV/PDF/receipt data must remain runtime-only.
- Import dry-run required.
- Audit required.
- Data Quality required.
- Manual confirmation before runtime commit.