Data model
The whole plan is one coherent object (in cloud mode stored as a single jsonb
record per household). The key pieces:
Portfolio positions
Investments and debt (a loan). Each position has, among other things: current
value, target contribution, rate (interest/return), goal, instalment/term/maturity
date, and a category (categoryId).
Optionally: account kind (accountKind — IKE/IKZE/PPK/PPE/OIPE/standard/bank,
a tax wrapper), instrument (instrumentType — ETF/stocks/bonds/…), a JDG
flag (higher IKZE limit), ticker/ISIN/target allocation, owner and beneficiary.
The fields are backward-compatible — no account kind = behaviour as before.
Off-portfolio assets
Real estate, land, cash, vehicles — a value and an optional growth rate. Each
asset has a class (assetClass): cash (cash/savings), real_estate
(property; realEstateUsage: primary/rental/land) or physical_asset (tangible:
physicalKind car/equipment/collection). No class → it is inferred (cash by name,
otherwise real estate), so older data works without migration. The
includeInInvestable / liquid flags drive the wealth lenses (defaults based on
class), while growth describes the behaviour in the projection (see
How we calculate).
Goals
Larger expenses with an amount, a deadline and saving progress.
Monthly entries
Per month: income (per person), contributions/overpayments split by person (the sum feeds the calculations), a savings budget, loan instalment, cost-of-living rating, a note, a marker for "who in the household did the review", and how much has already been applied to portfolio value (so applying is incremental, never double-counted).
Categories
User-defined grouping of positions (categories: Category[] in the state). Each
category has an id, a name, a colour (from the palette) and an optional emoji;
its order in the list = the display order. The default set is Retirement,
Investments, Loan, Bonds, Crypto — but you can freely rename, add and remove
them (Settings → Categories). Migration from the old "pillars" model (the fixed
I–V) maps them onto categories with fixed ids (Bitcoin → Crypto), without losing
any position assignments.
Profile and preferences
- Plan profile (shared in Duo): names, country, birth date, main goal.
- Device preferences (NOT synced): language, theme, role in the plan.
Net-worth snapshots
A lightweight record of net worth per month — it powers the wealth trend (30 days / 12 months).
Every read and write of the data goes through validation (Zod) — see Security.