User Stories¶

Budget Management¶

• As a user, I want to create monthly budgets by category so I can plan my spending
• As a user, I want unspent budget to automatically roll over to next month so I don't lose it
• As a user, I want to see budget progress bars on the dashboard so I know where I stand

Transaction Tracking¶

• As a user, I want to import bank CSV files so I can track spending without manual entry
• As a user, I want transactions auto-categorized by merchant rules so I save time
• As a user, I want to detect duplicate transactions during import so my data stays clean
• As a user, I want to search and filter transactions by date, category, and merchant

Net Worth¶

• As a user, I want to track all my accounts (bank, investment, retirement, debt) in one place
• As a user, I want to see key financial metrics (FI ratio, debt-to-asset, liquid months)
• As a user, I want historical charts showing net worth trends over time
• As a user, I want to export my net worth data to a formatted Excel file

AI Chat¶

• As a user, I want to ask natural language questions about my finances ("How much did I spend on food last month?")
• As a user, I want the chatbot to show inline visualizations (charts, tables) in responses
• As a user, I want suggested follow-up questions so I can explore deeper

Cash Flow¶

• As a user, I want a Sankey diagram showing how income flows through categories to accounts
• As a user, I want to navigate month-by-month to see how cash flow changes over time