Monarch Money

Build me a CSV-first personal finance dashboard to replace Monarch Money. Requirements: - Node + Express + better-sqlite3 on localhost:4910, server-rendered pages with Chart.js for the graphs. - Import bank and card CSV exports: per-bank column mapping saved after the first import, dedupe on a date+amount+description hash so re-imports are always safe. - Rule-based categorization: substring or regex on description sets the category, rules run on import, and a fast keyboard-driven screen clears the leftovers. - Monthly budget targets per category with actual-vs-budget bars and overspend flags, plus a cash-flow view by month. - An accounts table including manual balances for things without CSVs (pension, property); a net-worth chart built from balance snapshots I enter monthly. - A recurring-charge detector: same merchant, similar amount, monthly cadence, listed with annualized cost. That is the subscription-audit view. - Everything local in one SQLite file, no bank credentials anywhere, no accounts, no telemetry. Nightly DB copy to backups/, keep 30. - Out of scope: automatic bank sync via Plaid, household multi-user, and mobile apps. The monthly CSV ritual is the price of keeping credentials out of this. - README: import walkthrough for two example bank CSV formats, backup location.