feat: multi-account financial overview dashboard (#132)

README.md

@@ -64,13 +64,15 @@ OpenAPI: `backend/app/openapi.yaml`
 - Auth: `/auth/register`, `/auth/login`, `/auth/refresh`
 - Expenses: CRUD `/expenses`
 - Bills: CRUD `/bills`, pay/mark `/bills/{id}/pay`
+- Accounts: CRUD `/accounts`, consolidated net-worth overview `/accounts/overview`
 - Reminders: CRUD `/reminders`, trigger `/reminders/run`
 - Insights: `/insights/monthly`, `/insights/budget-suggestion`
 
 ## MVP UI/UX Plan
 - Auth screens: register/login.
 - Dashboard:
   - Monthly spend chart, category breakdown donut.
+  - Multi-account net worth overview with assets, liabilities, and balances by account type.
   - Upcoming bills list with due dates and pay status.
   - AI budget suggestion card.
 - Expenses page: add expense (amount, category, notes, date), list & filter.

packages/backend/app/models.py

@@ -133,3 +133,36 @@ class AuditLog(db.Model):
     user_id = db.Column(db.Integer, db.ForeignKey("users.id"), nullable=True)
     action = db.Column(db.String(100), nullable=False)
     created_at = db.Column(db.DateTime, default=datetime.utcnow, nullable=False)
+
+
+# ---------------------------------------------------------------------------
+# Financial Accounts (multi-account support)
+# ---------------------------------------------------------------------------
+
+class AccountType(str, Enum):
+    CHECKING = "CHECKING"
+    SAVINGS = "SAVINGS"
+    CREDIT = "CREDIT"
+    INVESTMENT = "INVESTMENT"
+    CASH = "CASH"
+    OTHER = "OTHER"
+
+
+class FinancialAccount(db.Model):
+    """A named financial account belonging to a user (bank, wallet, credit card, …)."""
+    __tablename__ = "financial_accounts"
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey("users.id"), nullable=False)
+    name = db.Column(db.String(200), nullable=False)
+    account_type = db.Column(
+        db.String(20), default=AccountType.CHECKING.value, nullable=False
+    )
+    balance = db.Column(db.Numeric(14, 2), default=0, nullable=False)
+    currency = db.Column(db.String(10), default="INR", nullable=False)
+    institution = db.Column(db.String(200), nullable=True)   # e.g. "HDFC Bank"
+    is_default = db.Column(db.Boolean, default=False, nullable=False)
+    notes = db.Column(db.String(500), nullable=True)
+    created_at = db.Column(db.DateTime, default=datetime.utcnow, nullable=False)
+    updated_at = db.Column(
+        db.DateTime, default=datetime.utcnow, onupdate=datetime.utcnow, nullable=False
+    )

packages/backend/app/openapi.yaml

@@ -10,6 +10,7 @@ tags:
   - name: Categories
   - name: Expenses
   - name: Bills
+  - name: Accounts
   - name: Reminders
   - name: Insights
 paths:
@@ -329,6 +330,157 @@ paths:
             application/json:
               schema: { $ref: '#/components/schemas/Error' }
 
+  /accounts:
+    get:
+      summary: List financial accounts
+      tags: [Accounts]
+      security: [{ bearerAuth: [] }]
+      responses:
+        '200':
+          description: User-owned financial accounts
+          content:
+            application/json:
+              schema:
+                type: array
+                items:
+                  $ref: '#/components/schemas/FinancialAccount'
+              example:
+                - { id: 1, name: Everyday Checking, account_type: CHECKING, balance: 1250.75, currency: USD, institution: FinBank, is_default: true, notes: Primary account }
+        '401':
+          description: Unauthorized
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+    post:
+      summary: Create financial account
+      tags: [Accounts]
+      security: [{ bearerAuth: [] }]
+      requestBody:
+        required: true
+        content:
+          application/json:
+            schema:
+              $ref: '#/components/schemas/NewFinancialAccount'
+            example:
+              name: Brokerage
+              account_type: INVESTMENT
+              balance: 5000
+              currency: USD
+              institution: FinInvest
+              is_default: false
+              notes: Long-term investments
+      responses:
+        '201':
+          description: Created
+          content:
+            application/json:
+              schema:
+                $ref: '#/components/schemas/FinancialAccount'
+        '400':
+          description: Validation error
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+
+  /accounts/overview:
+    get:
+      summary: Get consolidated financial overview
+      tags: [Accounts]
+      security: [{ bearerAuth: [] }]
+      responses:
+        '200':
+          description: Net worth and account totals for the authenticated user
+          content:
+            application/json:
+              schema:
+                $ref: '#/components/schemas/FinancialAccountsOverview'
+              example:
+                account_count: 3
+                total_assets: 8250.75
+                total_liabilities: 900.0
+                net_worth: 7350.75
+                by_type:
+                  CHECKING: 1250.75
+                  INVESTMENT: 5000
+                  CREDIT: 900
+                accounts: []
+        '401':
+          description: Unauthorized
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+
+  /accounts/{accountId}:
+    get:
+      summary: Get financial account
+      tags: [Accounts]
+      security: [{ bearerAuth: [] }]
+      parameters:
+        - in: path
+          name: accountId
+          required: true
+          schema: { type: integer }
+      responses:
+        '200':
+          description: Financial account
+          content:
+            application/json:
+              schema:
+                $ref: '#/components/schemas/FinancialAccount'
+        '404':
+          description: Not found
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+    patch:
+      summary: Update financial account
+      tags: [Accounts]
+      security: [{ bearerAuth: [] }]
+      parameters:
+        - in: path
+          name: accountId
+          required: true
+          schema: { type: integer }
+      requestBody:
+        required: true
+        content:
+          application/json:
+            schema:
+              $ref: '#/components/schemas/NewFinancialAccount'
+      responses:
+        '200':
+          description: Updated financial account
+          content:
+            application/json:
+              schema:
+                $ref: '#/components/schemas/FinancialAccount'
+        '400':
+          description: Validation error
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+        '404':
+          description: Not found
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+    delete:
+      summary: Delete financial account
+      tags: [Accounts]
+      security: [{ bearerAuth: [] }]
+      parameters:
+        - in: path
+          name: accountId
+          required: true
+          schema: { type: integer }
+      responses:
+        '204': { description: Deleted }
+        '404':
+          description: Not found
+          content:
+            application/json:
+              schema: { $ref: '#/components/schemas/Error' }
+
   /reminders:
     get:
       summary: List reminders
@@ -572,6 +724,46 @@ components:
         autopay_enabled: { type: boolean, default: false }
         channel_email: { type: boolean, default: true }
         channel_whatsapp: { type: boolean, default: false }
+    FinancialAccount:
+      type: object
+      properties:
+        id: { type: integer }
+        name: { type: string }
+        account_type: { type: string, enum: [CHECKING, SAVINGS, CREDIT, INVESTMENT, CASH, OTHER] }
+        balance: { type: number, format: float }
+        currency: { type: string }
+        institution: { type: string, nullable: true }
+        is_default: { type: boolean }
+        notes: { type: string, nullable: true }
+        created_at: { type: string, format: date-time }
+        updated_at: { type: string, format: date-time }
+    NewFinancialAccount:
+      type: object
+      required: [name]
+      properties:
+        name: { type: string }
+        account_type: { type: string, enum: [CHECKING, SAVINGS, CREDIT, INVESTMENT, CASH, OTHER], default: CHECKING }
+        balance: { type: number, format: float, default: 0 }
+        currency: { type: string }
+        institution: { type: string, nullable: true }
+        is_default: { type: boolean, default: false }
+        notes: { type: string, nullable: true }
+    FinancialAccountsOverview:
+      type: object
+      properties:
+        account_count: { type: integer }
+        total_assets: { type: number, format: float }
+        total_liabilities: { type: number, format: float }
+        net_worth: { type: number, format: float }
+        by_type:
+          type: object
+          additionalProperties:
+            type: number
+            format: float
+        accounts:
+          type: array
+          items:
+            $ref: '#/components/schemas/FinancialAccount'
     Reminder:
       type: object
       properties:

packages/backend/app/routes/__init__.py

@@ -7,6 +7,7 @@
 from .categories import bp as categories_bp
 from .docs import bp as docs_bp
 from .dashboard import bp as dashboard_bp
+from .accounts import bp as accounts_bp
 
 
 def register_routes(app: Flask):
@@ -18,3 +19,4 @@ def register_routes(app: Flask):
     app.register_blueprint(categories_bp, url_prefix="/categories")
     app.register_blueprint(docs_bp, url_prefix="/docs")
     app.register_blueprint(dashboard_bp, url_prefix="/dashboard")
+    app.register_blueprint(accounts_bp, url_prefix="/accounts")

packages/backend/app/routes/accounts.py

@@ -0,0 +1,80 @@
+"""Financial accounts routes (issue #132).
+
+GET    /accounts              list all accounts
+POST   /accounts              create account
+GET    /accounts/overview     net-worth summary across all accounts
+GET    /accounts/<id>         get one account
+PATCH  /accounts/<id>         update account
+DELETE /accounts/<id>         delete account  (204)
+"""
+from flask import Blueprint, jsonify, request
+from flask_jwt_extended import jwt_required, get_jwt_identity
+import logging
+
+from ..services.accounts import (
+    account_to_dict,
+    create_account,
+    delete_account,
+    get_account,
+    get_accounts,
+    get_overview,
+    update_account,
+)
+
+bp = Blueprint("accounts", __name__)
+logger = logging.getLogger("finmind.accounts.routes")
+
+
+@bp.get("")
+@jwt_required()
+def list_accounts():
+    uid = int(get_jwt_identity())
+    return jsonify([account_to_dict(a) for a in get_accounts(uid)])
+
+
+@bp.post("")
+@jwt_required()
+def create_account_endpoint():
+    uid = int(get_jwt_identity())
+    acc, err = create_account(uid, request.get_json() or {})
+    if err:
+        return jsonify(error=err), 400
+    return jsonify(account_to_dict(acc)), 201
+
+
+@bp.get("/overview")
+@jwt_required()
+def overview():
+    uid = int(get_jwt_identity())
+    return jsonify(get_overview(uid))
+
+
+@bp.get("/<int:account_id>")
+@jwt_required()
+def get_account_endpoint(account_id: int):
+    uid = int(get_jwt_identity())
+    acc = get_account(uid, account_id)
+    if not acc:
+        return jsonify(error="not found"), 404
+    return jsonify(account_to_dict(acc))
+
+
+@bp.patch("/<int:account_id>")
+@jwt_required()
+def update_account_endpoint(account_id: int):
+    uid = int(get_jwt_identity())
+    acc, err = update_account(uid, account_id, request.get_json() or {})
+    if err == "not found":
+        return jsonify(error=err), 404
+    if err:
+        return jsonify(error=err), 400
+    return jsonify(account_to_dict(acc))
+
+
+@bp.delete("/<int:account_id>")
+@jwt_required()
+def delete_account_endpoint(account_id: int):
+    uid = int(get_jwt_identity())
+    if not delete_account(uid, account_id):
+        return jsonify(error="not found"), 404
+    return "", 204