Dashboard (🏠)

Your whole financial picture at a glance — the first screen after signing in.

The dashboard is for looking: one hero, a preview, and a way into the details through sheets — no editing. You change values and accounts in the Portfolio, and you record contributions in the Entry. That way there are never two places for the same thing.

A fresh account (no holdings or assets yet) shows one clear step under the hero — an "Add your first account" button that leads to the Portfolio — instead of empty indicators.

Hero — net worth

At the top, your total net worth:

assets − liabilities (i.e. portfolio + cash + real estate − loans)

Below the amount, a breakdown into pills: Portfolio (investments and cash — liquid wealth), Real estate (homes, land; only if you have any) and Liabilities (debt, if any). Cash counts toward the portfolio, not real estate.

The main amount scales to the screen width, and the values on the pills are shown abbreviated (e.g. "1.16M zł", "569k zł") so nothing gets clipped on narrow phones. The people switcher wraps: adults in the first row and children in a separate row below them (no horizontal scrolling — easier on a phone, even with three children).

People switcher

When there's at least one child in the family or a holding has an assigned owner, a row of pills appears above the amount: Family (the whole household), each adult (the managing accounts) and each child. The choice filters the whole dashboard — hero, KPIs, structure and categories — not just the amount.

An adult's view shows their own wealth + the joint: everything you bought together that isn't assigned to anyone (home, land, cash, a shared loan). By default the joint part counts in full toward every adult ("we're a team"). In Settings you can switch this to a 50/50 split — then joint holdings count half toward each person, and your wealth together with your partner's adds up exactly to the whole household (useful under community of property). This is only a way of presenting the data — it changes neither the data nor the Family total. A child's view shows what you're setting aside for their goal (holdings and assets with that child as the beneficiary) — children make up the family, so they show up on the hero even when nothing has been set aside for them yet (amount = 0). It's a view only — it doesn't change plan data and isn't persisted. Until there's a child or an assignment, the switcher doesn't appear.

The monthly change (the "/ mo" delta) is computed per person too — from the contributions in the latest monthly entry, filtered by owner (own + joint). For Family it's the sum of all contributions. When the latest entry has no contributions for that scope, we don't show the delta.

The dashboard is dense: a summary on top, details in sheets on tap — the key information fits without much scrolling.

KPIs

Three compact chips in a single row: Contribution plan / mo (opens the breakdown of planned contributions), Financial health (a 0–100 score — tapping takes you to the Analysis) and Review. Debt has no separate card — the Liabilities pill in the hero already shows it, so the same number isn't duplicated.

Tabs

The rest of the dashboard lives in three tabs, so you don't scroll it all at once:

• Structure — a compact donut chart ("Structure %"); it also includes cash (since cash counts toward the portfolio). Tapping a slice shows its share and amount, and the total button opens the full portfolio breakdown.
• Categories — each category (defined by you, e.g. Retirement, Investments, Crypto, Loan) is a single compact row in its own colour (emoji/initial, name, a short holdings summary, value, share). Tapping opens a sheet with the category's holdings (a category with a single holding jumps straight to its details):
  • for a loan: interest rate, instalment, principal/interest split, estimated payoff,
  • for bonds: maturity date,
  • for accounts with a limit (IKE/IKZE): remaining annual contribution room.
• Goal — a teaser of your top-level goal: name + progress (e.g. "debt-free", FIRE; only in the Family scope), with a "Manage in Goals" link. Full goal editing lives in one place — on the Goals screen — so the UI isn't duplicated. Alongside it, "For {name}" tiles: wealth set aside for a given child's goal (beneficiary), regardless of who owns it. The tile is tappable — it shows details (a single holding directly, several as a list).

On desktop (≥ lg) — Wealth Command Center

On a wide screen the dashboard isn't a "stretched phone": the tabs disappear and all the sections arrange into one coherent view. The phone view stays unchanged — this whole layout is a layer added from the "lg" width upward.

• Greeting — instead of the "Dashboard" title, a warm "Good morning, {name}" with a short summary of the day.
• Full-width hero — on the left, net worth (the largest number in the app) + the monthly change; on the right, a KPI cluster: Assets · Liabilities · Health · Plan/mo, separated by thin lines. "Health" leads to the Analysis.
• Portfolio structure — a donut with a legend at the category level (e.g. Bonds, Investments, Retirement, Cash, Crypto), with amounts and shares always visible; small items collapsed into "Other".
• Your accounts and products — a single card with a list of accounts; with more items the list has a built-in scroll.
• Income and expenses — monthly bars (income vs expense) with even spacing; on a phone this chart lives in the Analysis.
• Insights Rail (from very wide screens) — a fixed right column: the ritual status, "Topics to review" (max 3) and "Where did this growth come from?" (contributions vs growth in market value).

Monthly review

A chip in the KPI row: a "Review" label with a dot coloured by status (green / amber / red), the current month and people as clickable pills (emoji, or name + ✓/✕) — tapping jumps straight to that person's Entry. The month is the current calendar month — when a new one begins (e.g. July), the dashboard shows it automatically, with a "to do" status.

Overdue month

If there's a gap in the history — a month without an entry between the first entry and the current one — an amber bar appears below the tiles: "⏳ Overdue entry: {month}" (or "Overdue entries: N — start with {month}"). Tapping opens the Entry straight on that month (a ?month=YYYY-MM link), so a skipped month doesn't quietly disappear. A new user with no history doesn't see the bar (there's nothing overdue).