YNAB

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Build me a zero-based budget over statement imports. Bank connections are out of scope and that is the trade.

STACK
- Astro with a Node adapter, SQLite via better-sqlite3, installable as a progressive web app
- CSV and OFX import; no aggregator, no credentials stored anywhere

THE METHOD, ENFORCED BY THE DATA MODEL
- Money exists in accounts; budget categories hold assignments, not money
- Available in a category equals assigned minus spent, carried forward monthly
- To-be-budgeted must reach zero; the interface shows it constantly and never hides it
- Overspending is resolved by moving money between categories, and every move is a recorded transaction

IMPORT
- Map columns per institution, saved as a profile per account
- Match on date, amount and a normalised description to avoid duplicates on re-import
- Anything unmatched goes to a review queue rather than being guessed

RECONCILIATION
- Enter the statement balance; the app finds the set of uncleared transactions that reconciles it, or says it cannot
- A reconciliation locks the transactions before it, and unlocking is recorded

TRANSACTIONS
- Split across categories, transfers between accounts as one linked pair, never two independent rows
- Append-only: a correction is a new row referencing the original

REPORTS
- Spending by category by month, and net worth over time from account balances

Include a README on the import mapping, the duplicate rule and the reconciliation algorithm.