features.md

Features

Dashboard

• Segment-based daily budget spanning across month boundaries to next income event
• Must-pay priority obligations always subtracted from budget regardless of mode
• Bill, debt, and investment payments excluded from discretionary daily spending
• Personal greeting with today's spending (personal + household)
• Tomorrow's budget projection with cross-month awareness
• Upcoming obligations total shown in budget note
• AI-generated financial summary with relative age display, shared across users
• Spending flow hero chart with gradient line, bubble flips on month edges
• Spending heatmap (44 weeks, scrollable, tooltip with top transactions)
• Spending trends card showing daily category comparison
• Spending chart (cumulative, excludes transfers) with savings target line
• Category breakdown pie chart
• Monthly cash flow bar chart (5 months + upcoming income as striped bar)
• Recent transactions list (excludes transfers)
• Net worth section with investments and debts
• Savings streak with emoji flames, greyscale for older days
• Entry reminder after 6 hours of no new transactions
• Burn rate and projected month-end balance
• Configurable budget thresholds (tight/normal/good)
• Auto/manual bill inclusion mode
• Personal budget share with configurable % or auto-calculated
• Configurable decimal places (0-2) for all euro amounts
• Sync button with relative last-sync time

AI advisor (Dougie)

• Named AI advisor "Dougie" shown in menu and chat bubbles
• Chat interface with persistent message history (SQLite)
• Real-time message delivery via SSE
• Typing indicators between users
• Emoji reactions on messages with real-time sync and tooltips
• Markdown rendering with bold amounts in indigo
• Full financial context: balance, transactions (with spender names), bills, debts, income, priority flags
• Conservative advice rules with 3-day buffer requirement
• Today's spending, remaining budget, and tomorrow's budget in context
• All data read from local DB for real-time accuracy
• Per-task AI model configurable in settings, tiered by demand: routine categorizing on fast, cheap Gemini 2.5 Flash (optional key, thinking disabled, ~0.4s, falls back to Haiku CLI); demanding tasks (Dougie chat, receipt vision) on Claude Opus via the CLI (covered by the subscription, no per-token cost)
• Auto-trigger YNAB sync if cache older than 2 hours
• Message reactions context for learning preferences
• Attachments: read-only by default, expense adding only on explicit request
• Smart account detection from receipts via AI matching to YNAB account names
• Expandable textarea with inline attach/expand buttons
• Chat pagination with load older button

Transactions

• Month-navigated view with prev/next month and a non-sticky account balance topbar (green when positive, red when negative)
• Transactions come from the bank via Synci, from YNAB, or are entered manually
• Day grouping with a heading per day and a plus on each heading to add a transaction for that day
• Shared transactions (one copy each, not per user)
• Filter by all, expenses, income or transfers, and by account (chips)
• Deep-linkable per account at /transactions/<account>, with a link from the edit-account modal
• Search by payee or category
• Add an expense, income, or a transfer between accounts, with AI auto-categorization and a duplicate check; the account and category pickers are searchable and focus their search box on open so you can type to filter
• Receipt or statement photo/PDF: the AI reads it and adds one or many transactions, each with an editable category and a possible-duplicate flag
• Payee and description fields autocomplete from earlier entries (rendered in a portal so they are not clipped by the modal)
• Entering a payee (or picking a category) prefills the amount and description from the last matching expense - the payee is matched first, then the category as a fallback - to speed up recurring entries; both stay editable and a field you have typed into is never overwritten
• Edit a transaction's category from the edit dialog (writes back to YNAB when connected, plus local data)
• Auto-categorize by payee + amount: when a payee has always been filed under one category at a given amount (a fixed recurring payment), that category is picked instantly when adding or syncing, before falling back to the AI guess
• Split a transaction across multiple categories (stored as child rows sharing a split_group, with live remaining + auto-distribute); shown as one grouped row and preserved across YNAB re-sync
• Date fields follow the configured date format with a themed calendar picker
• Floating action button for quick entry (hidden on chat page)
• Unread indicator dot when new data synced

Budget

• YNAB-style budget page with category groups, monthly assigned amounts, activity and available
• Carryover: positive available rolls forward, overspending does not drag into the next month
• Ready to Assign carries forward across months (cumulative); within YNAB's synced range it uses YNAB's own per-month figure adjusted for local edits, and it extends the carry-forward into not-yet-synced future months so budgeting ahead stays seamless
• Assigning money to a future month lowers the current Ready to Assign (single global figure, like YNAB)
• Age of Money box: YNAB's own per-month figure with a 12-month history line chart in YNAB mode; in local mode (no YNAB sync) it falls back to the live local runway (how long your money lasts at the current spending rate) so it keeps updating with cash and spending instead of freezing at the last sync
• Activity is net: refunds and other inflows to a category reduce its spending and raise available, like YNAB
• Per-category targets per day, week, month or year; the amount is distributed into the month's need, with progress, single-month snooze and clear
• Auto-assign (Quick Budget): fund to targets, copy last month's assigned, or copy last month's spending
• Inline assigned editor with a calculator popover
• Category inspector (right sheet): inline-editable name, group and description, available breakdown, target editing, snooze, hide and delete
• Link a category to a subscription, bill, debt, savings goal or investment (mutually exclusive); the linked item supplies the category's target. A savings-goal link sets a by-date target and its saved progress reflects the category's current available balance (what is assigned minus what is spent), so assigning in Budget reflects in the goal (no balance mutation); debt and investment links are target/display-only
• Hidden categories with spending or assignments still appear (with a Hidden badge) and surface in the Overspent filter
• An overspent category always appears in its group and the Overspent filter even when snoozed or hidden, so the overspend can be seen and covered
• Delete a category: one with transactions folds into a chosen category (every transaction is reassigned retroactively and its monthly budgets merge there, so nothing is orphaned); one with no transactions is removed directly, after settling any leftover money to Ready to Assign or another category (an overspend is covered first)
• Add a category straight into a group with the "+" on the group header, which opens the new-category dialog pre-filled with that group
• The new-category dialog's group field is a filterable list of existing groups and also accepts a new group name
• Move money between categories and cover overspending, capped at the source's available balance; the move and fund pickers (quick popovers and the inspector move dropdown) have a category search box to filter long lists
• Cover-from popout on overspent amounts and filters for all, overspent and money available
• Filters are deep-linkable at pretty paths (/budget/overspent, /budget/underfunded, /budget/available) so a filtered view is shareable and restored on refresh
• Smooth drag-and-drop reorder with a dashed drop placeholder; drag a category into another group to move it
• Renaming a category rewrites its transaction history so its activity is not lost
• Hidden categories and snoozed categories sections at the bottom
• Add categories from the topbar, today button to jump back to the current month

Accounts

• Manage accounts without YNAB: add, edit, close and delete manual accounts
• Closed accounts are collapsed into a toggle section (like hidden budget categories), expandable on demand
• Mark a spending account and exclude accounts from the budget
• Per-account AI notes and source badges for manual, Synci and YNAB accounts
• AI balance check: enter the real bank balance and the AI explains likely duplicates or missing entries from the last few days, each shown with an inline delete; or set the balance to the bank figure directly, which records a reconciliation adjustment (use this when the difference is a drift rather than a duplicate to remove)
• Link to an account's transactions (also reachable at /transactions/<account>)

Local data mode

• Dough works with or without YNAB: it uses YNAB when connected and its own local data when disconnected
• Synci imports all transactions straight into Dough with automatic transfer pairing in local mode
• Categories, accounts, transactions, monthly budgets and targets are all stored locally
• YNAB allocations and category groups are mirrored into the local tables so a cutover is seamless

Bills

• Add/edit/delete recurring bills
• Must-pay priority flag (always included in budget calculation)
• Due day tracking with overdue and due-soon badges
• Manual paid/unpaid toggle (persists per month)
• YNAB payee matching for automatic paid detection
• Amount difference display when actual differs from expected
• Average amount from history (2+ months)
• Bill amount history tracking
• Brand-styled icons and colours shared with subscriptions (auto-detected from the name)

Income

• Add/edit/delete income sources
• Day 0 = last day of month
• YNAB payee matching with wildcard patterns
• Received badge when matched to YNAB transaction
• Amount history and averages
• Synci bank integration for automatic income detection

Debts

• From YNAB otherDebt accounts, or added manually
• Must-pay priority flag
• Editable interest rates, monthly payments and original (starting) amount
• Debt breakdown donut: each debt's share, overall payoff progress, and amount paid this month
• Per-debt percentage paid off with progress bar and balance history sparkline
• Amount paid this month derived from each account's transactions (works without YNAB)
• Linkable to a budget category so the minimum payment becomes that category's monthly target
• Snowball and avalanche payoff strategies with charts
• AI debt payoff suggestion (shared cache)
• Closed account sync from YNAB

Investments

• From YNAB otherAsset accounts, or added manually
• Editable monthly contribution amount and expected return percentage
• Ticker tracking with Yahoo Finance and Seligson fund scraping
• Two side-by-side charts (stacked on mobile): a compound-growth forecast and "Your progress" - your actual total value over time, one point per manual value save
• Reconcile value by hand; an "Added now" field logs new money so profit is real (profit = current value minus what you put in, with a percentage). Investments are never treated as spending accounts and never appear in the Accounts tab
• Monthly contributions included in dashboard month status

Subscriptions

• Brand-styled cards with auto-detected colors and SVG logos (shared brand module, also used by bills)
• Must-pay priority flag
• Monthly and yearly cost summary
• Payee matching for auto-detection, with an optional price per pattern so payees that share a name but differ by amount (for example several Apple charges) only match the right subscription
• Paid/overdue status badges
• Active/inactive toggle

Savings goals

• Target amount, saved amount, and progress bar
• Optional target date with monthly savings calculation
• Optional budget category link, picked from grouped local categories (with the option to create one inline)
• Description field with clickable links
• AI advisor and summary are aware of all goals

Net worth

• Snapshot history with area chart and forecast line
• 20-year projection modeling cash, investments, and debts separately
• Auto-snapshot on every sync

Settings

• User profile: name, linked spending account
• Language: English and Finnish with live switching
• Decimal places: 0-2 decimals for euro amounts
• Household: size, description for AI, saving goal
• Budget: bill inclusion mode, threshold configuration, excluded accounts
• YNAB: connect/disconnect, budget selection, sync
• Synci: API token, bank account to YNAB account mapping
• AI prompts: editable chat guidelines, summary instructions, debt advice

Synci integration

• Automatic bank income detection via Synci REST API polling (every 30 minutes)
• Income matched via payee patterns creates real YNAB transaction
• Bank account to YNAB account mapping in settings
• Deduplication via synci_processed table, keyed on the bank's own transaction reference so a bank reconnect (which re-issues Synci ids) never re-imports duplicates
• Transfer detection: opposite legs are auto-paired, and an inflow whose payee was previously confirmed as an internal transfer is reclassified as a transfer (learned, not hardcoded) so own-account transfers from non-synced accounts never import as income
• Unmatched inflows are categorised as Ready to Assign income, never deleted, so all money stays accounted for
• Account mapping labels show owner, account name, custom name and the account number tail to tell apart accounts that share a number
• All recurring due and expected days render as real month-aware dates (day 31 shows as the month's last valid day, day 0 means the last day)

Real-time

• Server-Sent Events (SSE) for instant updates
• Chat messages, typing indicators, reactions, sync notifications
• Dashboard and heatmap auto-refresh when data changes
• Unread badges on sidebar for chat and transactions

Payee matching

• Link income sources, bills, and subscriptions to YNAB payees
• Wildcard patterns for flexible matching
• Auto-match on every YNAB sync
• Date window filtering for bills to prevent previous month matches

Internationalization

• English and Finnish
• Per-user language preference
• All UI labels, headings, badges translated
• AI responds in user's language
• Cross-month dates in Finnish format

PWA

• iOS safe area support for standalone mode
• App icon (donut chart, white on black)
• Multiple icon sizes for all platforms