Milestone 2: the full picture (20261007.12)

Budgets: one amount per category for every month with any month set on its
own, filled from recent spending in one step and copied into the next year.
Home shows what's left to spend, year pacing, insights, balances and upcoming
charges. Insights covers year pacing, money in and out, budget against actual,
categories by month, merchants, balances over time and tags.

Subscriptions and bills are found across every account (rhythm and price
matching plus a built-in catalog), confirmed with one tap, and watched for
price changes, missed charges, charges after cancelling, double billing,
renewals and trials. Alerts are worked out again whenever the data changes.

Also: category, rule, tag and alert settings; Excel and CSV export from a
small built-in writer; the AI module designed in and switched off.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

server/drizzle/meta/_journal.json

@@ -15,6 +15,13 @@
       "when": 1791404838766,
       "tag": "0001_money_in",
       "breakpoints": true
+    },
+    {
+      "idx": 2,
+      "version": "6",
+      "when": 1791417594406,
+      "tag": "0002_full_picture",
+      "breakpoints": true
     }
   ]
 }