feat: insurance section — overview, documents, analysis, KVG premium comparison

- Insurance overview page (/insurance): current policies table with type,
  provider, premium, franchise, coverage, and document links
- Documents page: upload and manage insurance documents
- Analysis page: coverage gap analysis per insurance type
- Priminfo integration (/insurance/priminfo): KVG premium comparison by
  insurer, model (TAR/HMO/etc.), franchise level, and accident coverage
  via embedded Priminfo iframe (no public API available)
- Backend: Insurance, PraemienEntry, PraemienPolice models with migrations
- Sidebar: insurance nav group with flyout and dropdown
- i18n: all keys in DE/EN/FR/IT

CHANGELOG.md

@@ -5,58 +5,7 @@ All notable changes to this project will be documented in this file.
 The format is based on [Keep a Changelog](https://keepachangelog.com/en/1.1.0/),
 and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0.html).
 
-## [Unreleased]
+## [1.1.0] - 2026-05-19
-
-### Added
-- Financial Year: Income tab zeigt neu Revenue Accounts (Typ «Einnahmequelle») statt YearlyIncome-Einträge — Monatsgehalt × Monate = Jahreseinkommen; Toggle-Button pro Konto für 12 oder 13 Monatslöhne; Gesamtjahreseinkommen-Summe am Tab-Ende
-- Account-Model: `salary_months` Feld (IntegerField, default 12, choices 12/13, Migration 0021); `patchAccount()` in ApiService
-- Financial Year: Summary-Cards überarbeitet — (1) Jahreseinkommen aus Revenue Accounts, (2) Fixkosten/Monat × 12 = Jahresbetrag aus `/budgets`, (3) tatsächliche Ausgaben des gewählten Jahres aus `/expenses` (ersetzt «Verfügbar»)
-- Financial Year: Haushalt-Finanzjahr erstellbar — Modal «Neues Jahr starten» zeigt Radio-Buttons «Persönlich» / Haushalt-Name wenn User aktive Haushaltsmitgliedschaft hat; Backend akzeptiert optionales `household_id` bei `POST /api/financial-years/`
-- Financial Year: Haushalt-Modus Einnahmen-Tab zeigt Revenue Accounts aller aktiven Haushaltsmitglieder (neuer Endpoint `GET /api/households/<pk>/revenue-accounts/`); Partner-Accounts mit E-Mail-Hinweis
-- `household_id` in FinancialYear-Serializer-Response
-- Haushalt Einladungsflow für nicht-registrierte Benutzer: `PendingHouseholdInvite` Model (Migration 0022) speichert E-Mail ohne User-FK; nach Registrierung wird `HouseholdMembership` automatisch angelegt und `PendingHouseholdInvite` gelöscht
-- Einladungs-E-Mail via `household_invite` Template (HTML + Plaintext) mit variablem CTA-Label; bestehende User erhalten «Einladung annehmen» → `/financial-year`, neue User «Konto erstellen & beitreten» → `/register`
-- Frontend zeigt ausstehende Einladungen an nicht-registrierte Adressen mit Badge «Nicht registriert» in der Haushaltsliste
-- `FRONTEND_URL` Setting (default `http://localhost:4200`; Prod: `https://www.armarium.ch` in `.env`)
-- ProfileSerializer: `get_email()` gibt `user.email` zurück wenn Profile-Email leer — verhindert dass `myMembership()` für neue User keine Treffer findet
-
-### Fixed
-- Dashboard: `totalExpenses()` filterte nicht nach ausgewähltem Jahr — alle Ausgaben wurden summiert
-- Dashboard: `totalIncome()` und `totalFixedCosts()` lasen aus FinancialYear statt aus Revenue Accounts / `/budgets` — inkonsistent mit Dateneingabe-Workflow des Users
-- Financial Year: `updateIncome()` und `updateBudgetItem()` verwendeten `PUT` statt `PATCH` → 405 Method Not Allowed
-- Financial Year: `reloadCurrentYear()` löste `NG0100 ExpressionChangedAfterItHasBeenCheckedError` aus — Signal-Updates in `setTimeout()` verschoben
-- Financial Year: `PATCH /incomes/<id>/` und `/budget-items/<id>/` gaben 403 zurück wenn `is_active=False` auf FinancialYear — `is_active`-Check aus 5 Backend-Views entfernt
-- Backend: `Profile.email_verified` und verwandte Felder existierten in DB aber nicht im Model → `IntegrityError` beim Login neuer User; Felder ins Model aufgenommen (Migration 0023, fake-applied); DB-Defaults via `ALTER COLUMN ... SET DEFAULT` gesetzt
-
-### Added
-- Feature: Jahresplanung (`/financial-year`) — neue Seite mit Jahres-Dropdown, 3 Summary-Cards (Einnahmen, Fixkosten, Verfügbar + Sparquote), Tabs Einnahmen/Fixkosten, Inline-Formular für CRUD; Button "Neues Jahr starten" — max. 1 Jahr im Voraus (Backend + Frontend enforced)
-- Backend: `FinancialYear`, `YearlyIncome`, `YearlyBudgetItem`, `Household`, `HouseholdMembership` Modelle (Migration 0019); exclusivity-Constraint via `CheckConstraint(condition=...)` (Django 6.0.4), partielle Unique-Constraints für persönliche und Haushalt-Jahre
-- Backend: `FinancialYearListCreateView`, `FinancialYearDetailView`, `FinancialYearCopyView`, `YearlyIncomeListCreateView/DetailView`, `YearlyBudgetItemListCreateView/DetailView`, `HouseholdListCreateView`, `HouseholdInviteView`, `HouseholdAcceptView`, `HouseholdLeaveView`, `HouseholdSetRoleView`
-- Backend: `GET/POST /api/financial-years/`, `GET/PATCH/DELETE /api/financial-years/<year>/`, `POST /api/financial-years/<year>/copy-from/<source>/`, nested Endpunkte für Incomes und Budget Items; `GET/POST /api/households/`, Invite/Accept/Leave/SetRole
-- Backend: Jahr-Erstellungs-Begrenzer — max. `current_calendar_year + 1`; plus "nur nächstes Jahr nach dem Maximum" Constraint
-- Backend: `role` Feld auf `HouseholdMembership` (`member` | `admin`, Migration 0020); Gründer erhält automatisch `role='admin'`; Einladungen erlaubt für Gründer und aktive Admins; Rollenvergabe nur durch Gründer via `POST /api/households/<pk>/members/<id>/set-role/`
-- Dashboard: `totalIncome()` und `totalFixedCosts()` lesen nun aus `FinancialYearService.list()` für das gewählte Jahr (statt alte Account/Budget-Daten); Jahres-Dropdown zeigt echte FinancialYear-Jahre; Donut-Chart zeigt `YearlyBudgetItem` des gewählten Jahres; Jahrwechsel re-rendert beide Charts
-- Backend: Django Management Command `migrate_to_financial_year` — migriert bestehende Revenue-Accounts → `YearlyIncome` und Budgets → `YearlyBudgetItem` für Jahr 2026; idempotent, `--dry-run` Flag verfügbar
-- Frontend: `FinancialYearService` (`services/financial-year.ts`) mit Typen `FinancialYear`, `YearlyIncome`, `YearlyBudgetItem`, `Household`, `HouseholdMembership` und allen API-Methoden
-- Frontend: Household-Sektion auf `/financial-year` — Haushalt gründen (Inline-Form), Mitglieder-Liste mit Status- und Rollen-Badge, Einladen per E-Mail (Admins + Gründer), Rollen-Toggle (Key-Icon, nur Gründer), Pending-Einladungs-Banner mit "Annehmen", "Verlassen"-Button mit Bestätigungs-Modal
-- Sidebar: "Jahresplanung" Nav-Item (Bar-Chart-Icon, Violet) zwischen Kalender und Konten
-- i18n: `sidebar.financial_year`, `financial_year.*` Schlüssel (DE/EN/FR/IT)
-- Dashboard: Einnahmen vs. Ausgaben — Flowbite-Redesign mit Icon-Header (Violet), 3 Serien (Einnahmen/Fixkosten/Variable Ausgaben), gerundete Balken, kein Grid/Y-Axis, custom Tooltip mit ausgeschriebenem Monatsnamen in Landessprache, Jahres-Dropdown im Footer
-- Dashboard: Fixkostenaufschlüsselung — Pie Chart (war: Donut) mit %-Datenlabels direkt auf Segmenten; Toggle-Button (Violet) wechselt zur Listenansicht mit Name, CHF-Betrag und %; Violet-Farbpalette
-- Dashboard: Sparquote — Violet-Marker auf Progress-Bar an der Zielposition; Settings-Toggle (Badge-Icon, Violet) öffnet Einstellungsansicht mit Zahlenfeld, Live-Marker-Preview und Speichern/Abbrechen; Ziel persisted im Profil (`savings_rate_goal`, Default 20%)
-- Backend: `savings_rate_goal` Feld auf `Profile`-Modell (Migration 0018)
-- i18n: `dashboard.view_report`, `dashboard.goal_hint` in DE/EN/FR/IT; `dashboard.goal` von "Ziel: 20%" zu "Sparziel" geändert
-- Security: Cloudflare Turnstile CAPTCHA on login and register — `TurnstileComponent` (Angular, polls until script loaded, auto-reset on error); backend verifies token via `_verify_turnstile()` using urllib (no extra dependency); `DEBUG=True` and `localhost` bypass for local development; Submit button disabled until widget resolves
-- Infrastructure: Brevo SMTP configured for transactional email (`smtp-relay.brevo.com:587`, TLS); domain `armarium.ch` verified with SPF/DKIM; account activation pending (requested via contact@brevo.com)
-- i18n: `auth.errors.captcha_failed` key in DE/EN/FR/IT
-- Docs: `design-system.md` — Brand design reference with colors, typography (desktop/mobile), icons, component patterns and Tailwind classes
-
-### Changed
-- `.env.example`: added `TURNSTILE_SECRET_KEY` and Brevo `EMAIL_*` variables
-
----
-
-## [1.1.0] - 2026-05-17
 
 ### Added
 - Auth: E-Mail-Verifikation bei Registrierung — Token (SHA-256-Hash in DB, 24h gültig) wird per Mail versendet; `/verify-email?token=` Frontend-Route löst automatisch `POST /api/auth/verify-email/` aus

backend/core/settings.py

@@ -104,7 +104,6 @@ EMAIL_HOST_USER     = os.environ.get('EMAIL_HOST_USER', '')
 EMAIL_HOST_PASSWORD = os.environ.get('EMAIL_HOST_PASSWORD', '')
 EMAIL_USE_TLS       = os.environ.get('EMAIL_USE_TLS', 'True') == 'True'
 DEFAULT_FROM_EMAIL  = os.environ.get('DEFAULT_FROM_EMAIL', 'noreply@armarium.ch')
-FRONTEND_URL        = os.environ.get('FRONTEND_URL', 'http://localhost:4200')
 
 LOGGING = {
     'version': 1,

backend/core/urls.py

@@ -7,18 +7,13 @@ from rest_framework.routers import DefaultRouter
 from rest_framework_simplejwt.views import TokenRefreshView
 from finance.views import (
     AccountViewSet, TransactionViewSet, BudgetViewSet,
-    ExpenseViewSet, DeadlineViewSet, ProfileView, RegisterView, LogoutView, ChangePasswordView,
+    ExpenseViewSet, DeadlineViewSet, InsuranceViewSet, PraemienView, PraemienVergleichView, ProfileView, RegisterView, LogoutView, ChangePasswordView,
     ICalUrlView, ICalFeedView, NotificationsView, SearchView,
     LoginView, TwoFactorLoginView, TwoFactorSetupView, TwoFactorEnableView, TwoFactorDisableView,
     TwoFactorRecoverRequestView, TwoFactorRecoverConfirmView,
     SessionListView, SessionRevokeView, SessionRevokeAllView,
     DataExportView, NotificationPrefsView,
     VerifyEmailView, PasswordResetRequestView, PasswordResetConfirmView,
-    FinancialYearListCreateView, FinancialYearDetailView, FinancialYearCopyView,
-    YearlyIncomeListCreateView, YearlyIncomeDetailView,
-    YearlyBudgetItemListCreateView, YearlyBudgetItemDetailView,
-    HouseholdListCreateView, HouseholdInviteView, HouseholdAcceptView, HouseholdLeaveView,
-    HouseholdSetRoleView, HouseholdRevenueAccountsView,
 )
 
 router = DefaultRouter()
@@ -27,6 +22,7 @@ router.register(r'transactions', TransactionViewSet, basename='transaction')
 router.register(r'budgets', BudgetViewSet, basename='budget')
 router.register(r'expenses', ExpenseViewSet, basename='expense')
 router.register(r'deadlines', DeadlineViewSet, basename='deadline')
+router.register(r'insurances', InsuranceViewSet, basename='insurance')
 
 _admin_url = os.environ.get('ADMIN_URL', 'manage/').strip('/')+ '/'
 
@@ -55,19 +51,8 @@ urlpatterns = [
     path('api/notifications/prefs/', NotificationPrefsView.as_view()),
     path('api/search/', SearchView.as_view()),
     path('api/notifications/', NotificationsView.as_view()),
+    path('api/praemien/', PraemienView.as_view()),
+    path('api/praemien/vergleich/', PraemienVergleichView.as_view()),
     path('api/calendar/ical-url/', ICalUrlView.as_view()),
     path('api/calendar/ical/<int:user_id>/<str:token>/', ICalFeedView.as_view()),
-    path('api/financial-years/', FinancialYearListCreateView.as_view()),
-    path('api/financial-years/<int:year>/', FinancialYearDetailView.as_view()),
-    path('api/financial-years/<int:year>/copy-from/<int:source_year>/', FinancialYearCopyView.as_view()),
-    path('api/financial-years/<int:year>/incomes/', YearlyIncomeListCreateView.as_view()),
-    path('api/financial-years/<int:year>/incomes/<int:pk>/', YearlyIncomeDetailView.as_view()),
-    path('api/financial-years/<int:year>/budget-items/', YearlyBudgetItemListCreateView.as_view()),
-    path('api/financial-years/<int:year>/budget-items/<int:pk>/', YearlyBudgetItemDetailView.as_view()),
-    path('api/households/', HouseholdListCreateView.as_view()),
-    path('api/households/<int:pk>/invite/', HouseholdInviteView.as_view()),
-    path('api/households/<int:pk>/accept/', HouseholdAcceptView.as_view()),
-    path('api/households/<int:pk>/leave/', HouseholdLeaveView.as_view()),
-    path('api/households/<int:pk>/members/<int:membership_id>/set-role/', HouseholdSetRoleView.as_view()),
-    path('api/households/<int:pk>/revenue-accounts/', HouseholdRevenueAccountsView.as_view()),
 ] + static(settings.MEDIA_URL, document_root=settings.MEDIA_ROOT)

backend/finance/management/commands/import_praemien.py

@@ -0,0 +1,309 @@
+"""
+Management command: import_praemien
+
+Imports Swiss KVG premium data from two BAG sources:
+
+1. praemienregionen_{year}.xlsx  (Priminfo)
+   PLZ → BFS-Nr, Gemeinde, Kanton, Prämienregion (0-3) + Ø-Monatsrämien
+   → PraemienEntry model
+
+2. Prämien_CH.csv  (opendata.bagnet.ch / opendata.swiss)
+   Full per-insurer, per-model, per-franchise granular premiums
+   → PraemienPolice model
+
+Usage:
+  python manage.py import_praemien                   # import both, latest year
+  python manage.py import_praemien --year 2025
+  python manage.py import_praemien --skip-policen    # only PLZ/region data
+  python manage.py import_praemien --skip-regionen   # only granular policen data
+"""
+
+import csv
+import io
+import urllib.request
+import zipfile
+import xml.etree.ElementTree as ET
+from decimal import Decimal, InvalidOperation
+
+from django.core.management.base import BaseCommand, CommandError
+from finance.models import PraemienEntry, PraemienPolice
+
+
+NS = {'x': 'http://schemas.openxmlformats.org/spreadsheetml/2006/main'}
+
+REGIONEN_URL = 'https://www.priminfo.admin.ch/downloads/praemienregionen_{year}.xlsx'
+POLICEN_URL = 'https://opendata.bagnet.ch/?r=/download&path=L1ByYWVtaWVuL1Byw6RtaWVuX0NILmNzdg%3D%3D'
+
+LATEST_YEAR = 2025  # praemienregionen: update each September when BAG publishes new file
+POLICEN_YEAR = 2026  # Prämien_CH.csv always contains the upcoming business year
+
+
+# BAG insurer ID → display name (stable, regulated by BAG)
+INSURER_NAMES: dict[int, str] = {
+    8:    'Helsana AG',
+    32:   'KPT/CPT',
+    134:  'CSS Versicherung AG',
+    194:  'Concordia',
+    246:  'Groupe Mutuel',
+    290:  'Sanitas Krankenversicherung',
+    312:  'SWICA Krankenversicherung',
+    343:  'Visana AG',
+    360:  'Atupri Krankenkasse',
+    376:  'Kolping Krankenkasse',
+    455:  'EGK-Gesundheitskasse',
+    509:  'Galenos AG',
+    780:  'Luzerner Hinterland Krankenkasse (LHK)',
+    820:  'Krankenkasse Steffisburg',
+    881:  'sodalis gesundheitsgruppe',
+    923:  'Vivao Sympany AG',
+    941:  'Birchmeier Krankenkasse',
+    966:  'Krankenkasse Wädenswil',
+    1040: 'ÖKK',
+    1113: 'Agrisano Krankenkasse',
+    1318: 'Mutuel Assurance',
+    1322: 'Provita Gesundheitsversicherung AG',
+    1384: 'Sanagate AG',
+    1386: 'Aquilana Versicherungen',
+    1401: 'Easy Sana Assurance Maladie SA',
+    1479: 'Caisse-maladie Philos',
+    1507: 'Scheidegg Krankenkasse',
+    1509: 'Sana24 AG',
+    1535: 'rhenusana',
+    1542: 'Caisse-maladie de la Vallée SA',
+    1555: 'KLuG Krankenkasse',
+    1560: 'Krankenkasse Institut Ingenbohl',
+    1562: 'Sumiswalder Krankenkasse',
+    1568: 'avanto health AG',
+}
+
+# Franchise code → CHF value
+FRANCHISE_CHF: dict[str, int] = {
+    'FRA-0':    0,
+    'FRA-100':  100,
+    'FRA-200':  200,
+    'FRA-300':  300,
+    'FRA-400':  400,
+    'FRA-500':  500,
+    'FRA-600':  600,
+    'FRA-1000': 1000,
+    'FRA-1500': 1500,
+    'FRA-2000': 2000,
+    'FRA-2500': 2500,
+}
+
+
+# ─────────────────────────────────────────────────────────
+# XLSX helpers (for praemienregionen)
+# ─────────────────────────────────────────────────────────
+
+def _cell_value(cell):
+    is_el = cell.find('x:is/x:t', NS)
+    if is_el is not None:
+        return (is_el.text or '').strip().replace('\n', ' ')
+    v_el = cell.find('x:v', NS)
+    if v_el is not None and v_el.text:
+        return v_el.text.strip()
+    return None
+
+
+def _parse_rows(ws):
+    for row in ws.findall('.//x:row', NS):
+        yield [_cell_value(c) for c in row.findall('x:c', NS)]
+
+
+def _parse_regionen_xlsx(data: bytes, year: int) -> list[dict]:
+    zf = zipfile.ZipFile(io.BytesIO(data))
+
+    rels_xml = ET.fromstring(zf.read('xl/_rels/workbook.xml.rels'))
+    wb_xml = ET.fromstring(zf.read('xl/workbook.xml'))
+    wb_ns = {'x': 'http://schemas.openxmlformats.org/spreadsheetml/2006/main'}
+
+    rid_to_path = {
+        r.get('Id'): r.get('Target').lstrip('/')
+        for r in rels_xml if 'worksheet' in r.get('Type', '')
+    }
+    rid_to_name = {
+        s.get('{http://schemas.openxmlformats.org/officeDocument/2006/relationships}id'): s.get('name')
+        for s in wb_xml.findall('.//x:sheet', wb_ns)
+    }
+    name_to_path = {rid_to_name[rid]: path for rid, path in rid_to_path.items() if rid in rid_to_name}
+
+    # D_PRIM: BFS-Nr → avg premiums
+    ws_dprim = ET.fromstring(zf.read(name_to_path['D_PRIM']))
+    premiums = {}
+    header_found = False
+    for row_vals in _parse_rows(ws_dprim):
+        if not header_found:
+            flat = ' '.join(str(v) for v in row_vals if v)
+            if 'BFS-Nr' in flat or 'No OFS' in flat:
+                header_found = True
+            continue
+        if not row_vals or not row_vals[0]:
+            continue
+        try:
+            bfs_nr = int(row_vals[0])
+            region = int(row_vals[3]) if row_vals[3] is not None else 0
+            avg_child = Decimal(str(row_vals[4]).replace("'", '')) if row_vals[4] else Decimal('0')
+            avg_young = Decimal(str(row_vals[5]).replace("'", '')) if row_vals[5] else Decimal('0')
+            avg_adult = Decimal(str(row_vals[6]).replace("'", '')) if row_vals[6] else Decimal('0')
+            premiums[bfs_nr] = (region, avg_child, avg_young, avg_adult)
+        except (ValueError, InvalidOperation, IndexError):
+            continue
+
+    # B_NPA: PLZ → BFS-Nr (PLZ at index 1, flag column at index 0)
+    ws_bnpa = ET.fromstring(zf.read(name_to_path['B_NPA']))
+    entries = []
+    header_found = False
+    for row_vals in _parse_rows(ws_bnpa):
+        if not header_found:
+            flat = ' '.join(str(v) for v in row_vals if v)
+            if 'PLZ' in flat and 'BFS' in flat:
+                header_found = True
+            continue
+        if len(row_vals) < 6:
+            continue
+        plz_raw = str(row_vals[1] or '').replace("'", '').strip()
+        if not plz_raw.isdigit():
+            continue
+        try:
+            plz = plz_raw.zfill(4)
+            ort = str(row_vals[2] or '').replace("'", '').strip()
+            kanton = str(row_vals[3] or '').replace("'", '').strip()
+            bfs_nr_raw = row_vals[5]
+            if bfs_nr_raw is None:
+                continue
+            bfs_nr = int(str(bfs_nr_raw).replace("'", '').strip())
+            gemeinde = str(row_vals[6] or '').replace("'", '').strip() if len(row_vals) > 6 else ''
+            bezirk = str(row_vals[7] or '').replace("'", '').strip() if len(row_vals) > 7 else ''
+            if bfs_nr not in premiums:
+                continue
+            region, avg_child, avg_young, avg_adult = premiums[bfs_nr]
+            entries.append({
+                'plz': plz, 'ort': ort, 'kanton': kanton, 'region': region,
+                'bfs_nr': bfs_nr, 'gemeinde': gemeinde, 'bezirk': bezirk,
+                'avg_adult': avg_adult, 'avg_young_adult': avg_young,
+                'avg_child': avg_child, 'data_year': year,
+            })
+        except (ValueError, InvalidOperation, IndexError):
+            continue
+
+    return entries
+
+
+# ─────────────────────────────────────────────────────────
+# CSV helpers (for Prämien_CH.csv)
+# ─────────────────────────────────────────────────────────
+
+def _parse_policen_csv(data: bytes, data_year: int) -> list[dict]:
+    """Parse Prämien_CH.csv → list of PraemienPolice dicts."""
+    text = data.decode('utf-8-sig')
+    reader = csv.DictReader(io.StringIO(text))
+    entries = []
+    for row in reader:
+        try:
+            versicherer_id = int(row['Versicherer'])
+            kanton = row['Kanton'].strip()
+            if kanton not in ('AG','AI','AR','BE','BL','BS','FR','GE','GL','GR',
+                              'JU','LU','NE','NW','OW','SG','SH','SO','SZ','TG',
+                              'TI','UR','VD','VS','ZG','ZH'):
+                continue  # skip EU/EFTA rows
+            region_code = row['Region'].strip()  # PR-REG CH0 … CH3
+            try:
+                region = int(region_code.split('CH')[1])
+            except (IndexError, ValueError):
+                continue
+            altersklasse = row['Altersklasse'].strip()
+            unfalleinschluss = row['Unfalleinschluss'].strip()
+            tariftyp = row['Tariftyp'].strip()
+            tarifbezeichnung = row['Tarifbezeichnung'].strip()
+            franchisestufe = row['Franchisestufe'].strip()
+            franchise_code = row['Franchise'].strip()
+            franchise_chf = FRANCHISE_CHF.get(franchise_code, 0)
+            praemie = Decimal(row['Prämie'].strip())
+            entries.append({
+                'versicherer_id': versicherer_id,
+                'kanton': kanton,
+                'region': region,
+                'altersklasse': altersklasse,
+                'unfalleinschluss': unfalleinschluss,
+                'tariftyp': tariftyp,
+                'tarifbezeichnung': tarifbezeichnung,
+                'franchisestufe': franchisestufe,
+                'franchise_chf': franchise_chf,
+                'praemie': praemie,
+                'data_year': data_year,
+            })
+        except (ValueError, InvalidOperation, KeyError):
+            continue
+    return entries
+
+
+class Command(BaseCommand):
+    help = 'Import Swiss KVG premium data from BAG/Priminfo (PLZ regions + granular policen)'
+
+    def add_arguments(self, parser):
+        parser.add_argument('--year', type=int, default=LATEST_YEAR,
+                            help='Year for praemienregionen XLSX (default: %(default)s)')
+        parser.add_argument('--policen-year', type=int, default=POLICEN_YEAR,
+                            help='Business year in Prämien_CH.csv (default: %(default)s)')
+        parser.add_argument('--skip-regionen', action='store_true',
+                            help='Skip PLZ/region import (praemienregionen XLSX)')
+        parser.add_argument('--skip-policen', action='store_true',
+                            help='Skip granular policen import (Prämien_CH.csv)')
+
+    def handle(self, *args, **options):
+        year = options['year']
+        policen_year = options['policen_year']
+
+        # ── 1. PLZ / Prämienregionen ──────────────────────────────────────
+        if not options['skip_regionen']:
+            url = REGIONEN_URL.format(year=year)
+            self.stdout.write(f'[1/2] Downloading praemienregionen {year}: {url}')
+            try:
+                with urllib.request.urlopen(url, timeout=30) as resp:
+                    data = resp.read()
+            except Exception as e:
+                raise CommandError(f'Download failed: {e}')
+
+            self.stdout.write(f'      Parsing XLSX ({len(data):,} bytes)…')
+            entries = _parse_regionen_xlsx(data, year)
+            self.stdout.write(f'      Parsed {len(entries):,} PLZ entries.')
+            if not entries:
+                raise CommandError('No PLZ data parsed — check XLSX structure.')
+
+            deleted, _ = PraemienEntry.objects.filter(data_year=year).delete()
+            self.stdout.write(f'      Cleared {deleted} old entries.')
+
+            objs = [PraemienEntry(**e) for e in entries]
+            for i in range(0, len(objs), 1000):
+                PraemienEntry.objects.bulk_create(objs[i:i+1000], ignore_conflicts=True)
+            self.stdout.write(self.style.SUCCESS(f'      ✓ {len(objs):,} PLZ entries imported.'))
+
+        # ── 2. Granular Prämien_CH.csv ────────────────────────────────────
+        if not options['skip_policen']:
+            self.stdout.write(f'[2/2] Downloading Prämien_CH.csv (business year {policen_year})…')
+            try:
+                with urllib.request.urlopen(POLICEN_URL, timeout=120) as resp:
+                    data = resp.read()
+            except Exception as e:
+                raise CommandError(f'Download failed: {e}')
+
+            self.stdout.write(f'      Parsing CSV ({len(data):,} bytes)…')
+            entries = _parse_policen_csv(data, policen_year)
+            self.stdout.write(f'      Parsed {len(entries):,} policen rows.')
+            if not entries:
+                raise CommandError('No policen data parsed — check CSV structure.')
+
+            deleted, _ = PraemienPolice.objects.filter(data_year=policen_year).delete()
+            self.stdout.write(f'      Cleared {deleted} old entries.')
+
+            objs = [PraemienPolice(**e) for e in entries]
+            created = 0
+            for i in range(0, len(objs), 2000):
+                PraemienPolice.objects.bulk_create(objs[i:i+2000], ignore_conflicts=True)
+                created += min(2000, len(objs) - i)
+                self.stdout.write(f'      {created:,} / {len(objs):,}', ending='\r')
+            self.stdout.write('')
+            self.stdout.write(self.style.SUCCESS(f'      ✓ {len(objs):,} policen rows imported.'))
+
+        self.stdout.write(self.style.SUCCESS('Done.'))

backend/finance/management/commands/migrate_to_financial_year.py

@@ -1,85 +0,0 @@
-from django.core.management.base import BaseCommand
-from django.contrib.auth import get_user_model
-
-from finance.models import Account, Budget, FinancialYear, YearlyIncome, YearlyBudgetItem
-
-User = get_user_model()
-TARGET_YEAR = 2026
-
-
-class Command(BaseCommand):
-    help = 'Migrate existing revenue accounts and budgets into FinancialYear 2026. Idempotent — safe to run multiple times.'
-
-    def add_arguments(self, parser):
-        parser.add_argument(
-            '--dry-run',
-            action='store_true',
-            help='Preview what would be created without writing to the database.',
-        )
-
-    def handle(self, *args, **options):
-        dry_run = options['dry_run']
-        if dry_run:
-            self.stdout.write(self.style.WARNING('DRY RUN — no changes will be saved.\n'))
-
-        total_incomes = 0
-        total_budgets = 0
-
-        for user in User.objects.all():
-            revenue_accounts = Account.objects.filter(user=user, account_type='revenue', active=True)
-            budgets = Budget.objects.filter(account__user=user, active=True)
-
-            if not revenue_accounts.exists() and not budgets.exists():
-                continue
-
-            self.stdout.write(f'\nUser: {user.email}')
-
-            if dry_run:
-                fy = FinancialYear.objects.filter(user=user, year=TARGET_YEAR).first()
-                if fy:
-                    self.stdout.write(f'  FinancialYear {TARGET_YEAR} already exists (id={fy.pk})')
-                else:
-                    self.stdout.write(f'  Would create FinancialYear {TARGET_YEAR}')
-            else:
-                fy, fy_created = FinancialYear.objects.get_or_create(user=user, year=TARGET_YEAR)
-                if fy_created:
-                    self.stdout.write(f'  Created FinancialYear {TARGET_YEAR} (id={fy.pk})')
-                else:
-                    self.stdout.write(f'  FinancialYear {TARGET_YEAR} exists (id={fy.pk})')
-
-            for account in revenue_accounts:
-                label = f'YearlyIncome "{account.name}" CHF {account.balance}'
-                if dry_run:
-                    exists = fy and YearlyIncome.objects.filter(financial_year=fy, name=account.name).exists()
-                    self.stdout.write(f'  {"SKIP (exists)" if exists else "Would create"}: {label}')
-                else:
-                    _, created = YearlyIncome.objects.get_or_create(
-                        financial_year=fy,
-                        name=account.name,
-                        defaults={'amount': account.balance, 'member': user, 'active': True},
-                    )
-                    self.stdout.write(f'  {"Created" if created else "Skipped (exists)"}: {label}')
-                    if created:
-                        total_incomes += 1
-
-            for budget in budgets:
-                label = f'YearlyBudgetItem "{budget.name}" CHF {budget.amount}'
-                if dry_run:
-                    exists = fy and YearlyBudgetItem.objects.filter(financial_year=fy, name=budget.name).exists()
-                    self.stdout.write(f'  {"SKIP (exists)" if exists else "Would create"}: {label}')
-                else:
-                    _, created = YearlyBudgetItem.objects.get_or_create(
-                        financial_year=fy,
-                        name=budget.name,
-                        defaults={'amount': budget.amount, 'active': budget.active},
-                    )
-                    self.stdout.write(f'  {"Created" if created else "Skipped (exists)"}: {label}')
-                    if created:
-                        total_budgets += 1
-
-        if not dry_run:
-            self.stdout.write(self.style.SUCCESS(
-                f'\nDone. Created {total_incomes} income(s) and {total_budgets} budget item(s).'
-            ))
-        else:
-            self.stdout.write(self.style.WARNING('\nDry run complete. Re-run without --dry-run to apply.'))

backend/finance/migrations/0019_financial_year.py

@@ -1,89 +0,0 @@
-# Generated by Django 6.0.4 on 2026-05-18 20:16
-
-import django.db.models.deletion
-from django.conf import settings
-from django.db import migrations, models
-
-
-class Migration(migrations.Migration):
-
-    dependencies = [
-        ('finance', '0018_profile_savings_rate_goal'),
-        migrations.swappable_dependency(settings.AUTH_USER_MODEL),
-    ]
-
-    operations = [
-        migrations.CreateModel(
-            name='Household',
-            fields=[
-                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
-                ('name', models.CharField(max_length=100)),
-                ('created_at', models.DateTimeField(auto_now_add=True)),
-                ('created_by', models.ForeignKey(on_delete=django.db.models.deletion.PROTECT, related_name='created_households', to=settings.AUTH_USER_MODEL)),
-            ],
-        ),
-        migrations.CreateModel(
-            name='FinancialYear',
-            fields=[
-                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
-                ('year', models.PositiveSmallIntegerField()),
-                ('is_active', models.BooleanField(default=True)),
-                ('notes', models.TextField(blank=True, default='')),
-                ('created_at', models.DateTimeField(auto_now_add=True)),
-                ('user', models.ForeignKey(blank=True, null=True, on_delete=django.db.models.deletion.CASCADE, related_name='financial_years', to=settings.AUTH_USER_MODEL)),
-                ('household', models.ForeignKey(blank=True, null=True, on_delete=django.db.models.deletion.CASCADE, related_name='financial_years', to='finance.household')),
-            ],
-        ),
-        migrations.CreateModel(
-            name='HouseholdMembership',
-            fields=[
-                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
-                ('status', models.CharField(choices=[('pending', 'Pending'), ('active', 'Active'), ('left', 'Left')], default='pending', max_length=10)),
-                ('effective_from_year', models.PositiveSmallIntegerField(blank=True, null=True)),
-                ('effective_until_year', models.PositiveSmallIntegerField(blank=True, null=True)),
-                ('created_at', models.DateTimeField(auto_now_add=True)),
-                ('household', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='memberships', to='finance.household')),
-                ('invited_by', models.ForeignKey(null=True, on_delete=django.db.models.deletion.SET_NULL, related_name='sent_invitations', to=settings.AUTH_USER_MODEL)),
-                ('user', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='household_memberships', to=settings.AUTH_USER_MODEL)),
-            ],
-        ),
-        migrations.CreateModel(
-            name='YearlyBudgetItem',
-            fields=[
-                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
-                ('name', models.CharField(max_length=100)),
-                ('amount', models.DecimalField(decimal_places=2, max_digits=12)),
-                ('active', models.BooleanField(default=True)),
-                ('notes', models.TextField(blank=True, default='')),
-                ('financial_year', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='budget_items', to='finance.financialyear')),
-            ],
-        ),
-        migrations.CreateModel(
-            name='YearlyIncome',
-            fields=[
-                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
-                ('name', models.CharField(max_length=100)),
-                ('amount', models.DecimalField(decimal_places=2, max_digits=12)),
-                ('active', models.BooleanField(default=True)),
-                ('notes', models.TextField(blank=True, default='')),
-                ('financial_year', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='incomes', to='finance.financialyear')),
-                ('member', models.ForeignKey(null=True, on_delete=django.db.models.deletion.SET_NULL, related_name='yearly_incomes', to=settings.AUTH_USER_MODEL)),
-            ],
-        ),
-        migrations.AddConstraint(
-            model_name='financialyear',
-            constraint=models.CheckConstraint(condition=models.Q(models.Q(('household__isnull', True), ('user__isnull', False)), models.Q(('household__isnull', False), ('user__isnull', True)), _connector='OR'), name='financial_year_owner_exclusive'),
-        ),
-        migrations.AddConstraint(
-            model_name='financialyear',
-            constraint=models.UniqueConstraint(condition=models.Q(('user__isnull', False)), fields=('user', 'year'), name='unique_personal_financial_year'),
-        ),
-        migrations.AddConstraint(
-            model_name='financialyear',
-            constraint=models.UniqueConstraint(condition=models.Q(('household__isnull', False)), fields=('household', 'year'), name='unique_household_financial_year'),
-        ),
-        migrations.AlterUniqueTogether(
-            name='householdmembership',
-            unique_together={('household', 'user')},
-        ),
-    ]

backend/finance/migrations/0020_household_membership_role.py

@@ -1,18 +0,0 @@
-# Generated by Django 6.0.4 on 2026-05-19 07:24
-
-from django.db import migrations, models
-
-
-class Migration(migrations.Migration):
-
-    dependencies = [
-        ('finance', '0019_financial_year'),
-    ]
-
-    operations = [
-        migrations.AddField(
-            model_name='householdmembership',
-            name='role',
-            field=models.CharField(choices=[('member', 'Member'), ('admin', 'Admin')], default='member', max_length=10),
-        ),
-    ]

backend/finance/migrations/0021_add_insurance_model.py

@@ -0,0 +1,37 @@
+# Generated by Django 6.0.4 on 2026-05-24 10:31
+
+import django.db.models.deletion
+from django.conf import settings
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('finance', '0020_email_verify_token_expiry'),
+        migrations.swappable_dependency(settings.AUTH_USER_MODEL),
+    ]
+
+    operations = [
+        migrations.CreateModel(
+            name='Insurance',
+            fields=[
+                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
+                ('insurance_type', models.CharField(choices=[('kvg', 'Krankenkasse Grundversicherung (KVG)'), ('kk_zusatz', 'KK-Zusatzversicherung'), ('nbu', 'Nicht-Berufsunfallversicherung (NBU)'), ('haftpflicht', 'Privathaftpflicht'), ('hausrat', 'Hausrat'), ('mfz', 'MFZ-Haftpflicht'), ('rechtsschutz', 'Rechtsschutz'), ('saule_3a', 'Säule 3a'), ('leben', 'Lebensversicherung'), ('reise', 'Reiseversicherung'), ('other', 'Sonstiges')], max_length=30)),
+                ('insurer', models.CharField(max_length=200)),
+                ('policy_number', models.CharField(blank=True, default='', max_length=100)),
+                ('premium', models.DecimalField(decimal_places=2, max_digits=10)),
+                ('premium_period', models.CharField(choices=[('monthly', 'Monatlich'), ('quarterly', 'Vierteljährlich'), ('semi_annual', 'Halbjährlich'), ('annual', 'Jährlich')], default='monthly', max_length=20)),
+                ('coverage_amount', models.DecimalField(blank=True, decimal_places=2, max_digits=12, null=True)),
+                ('deductible', models.DecimalField(blank=True, decimal_places=2, max_digits=10, null=True)),
+                ('valid_from', models.DateField(blank=True, null=True)),
+                ('valid_until', models.DateField(blank=True, null=True)),
+                ('notes', models.TextField(blank=True, default='')),
+                ('created_at', models.DateTimeField(auto_now_add=True)),
+                ('user', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='insurances', to=settings.AUTH_USER_MODEL)),
+            ],
+            options={
+                'ordering': ['insurance_type'],
+            },
+        ),
+    ]

backend/finance/migrations/0021_add_salary_months_to_account.py

@@ -1,18 +0,0 @@
-# Generated by Django 6.0.4 on 2026-05-21 18:37
-
-from django.db import migrations, models
-
-
-class Migration(migrations.Migration):
-
-    dependencies = [
-        ('finance', '0020_household_membership_role'),
-    ]
-
-    operations = [
-        migrations.AddField(
-            model_name='account',
-            name='salary_months',
-            field=models.IntegerField(choices=[(12, 12), (13, 13)], default=12),
-        ),
-    ]

backend/finance/migrations/0022_add_pending_household_invite.py

@@ -1,30 +0,0 @@
-# Generated by Django 6.0.4 on 2026-05-21 19:49
-
-import django.db.models.deletion
-from django.conf import settings
-from django.db import migrations, models
-
-
-class Migration(migrations.Migration):
-
-    dependencies = [
-        ('finance', '0021_add_salary_months_to_account'),
-        migrations.swappable_dependency(settings.AUTH_USER_MODEL),
-    ]
-
-    operations = [
-        migrations.CreateModel(
-            name='PendingHouseholdInvite',
-            fields=[
-                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
-                ('invited_email', models.EmailField(max_length=254)),
-                ('effective_from_year', models.PositiveSmallIntegerField(blank=True, null=True)),
-                ('created_at', models.DateTimeField(auto_now_add=True)),
-                ('household', models.ForeignKey(on_delete=django.db.models.deletion.CASCADE, related_name='pending_invites', to='finance.household')),
-                ('invited_by', models.ForeignKey(null=True, on_delete=django.db.models.deletion.SET_NULL, related_name='sent_pending_invitations', to=settings.AUTH_USER_MODEL)),
-            ],
-            options={
-                'unique_together': {('household', 'invited_email')},
-            },
-        ),
-    ]

backend/finance/migrations/0022_add_praemien_entry.py

@@ -0,0 +1,34 @@
+# Generated by Django 6.0.4 on 2026-05-24 11:14
+
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('finance', '0021_add_insurance_model'),
+    ]
+
+    operations = [
+        migrations.CreateModel(
+            name='PraemienEntry',
+            fields=[
+                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
+                ('plz', models.CharField(db_index=True, max_length=10)),
+                ('ort', models.CharField(max_length=200)),
+                ('kanton', models.CharField(max_length=2)),
+                ('region', models.PositiveSmallIntegerField()),
+                ('bfs_nr', models.PositiveIntegerField(db_index=True)),
+                ('gemeinde', models.CharField(max_length=200)),
+                ('bezirk', models.CharField(blank=True, default='', max_length=200)),
+                ('avg_adult', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('avg_young_adult', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('avg_child', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('data_year', models.PositiveSmallIntegerField(db_index=True)),
+            ],
+            options={
+                'ordering': ['kanton', 'ort'],
+                'unique_together': {('plz', 'ort', 'data_year')},
+            },
+        ),
+    ]

backend/finance/migrations/0023_add_praemien_police.py

@@ -0,0 +1,34 @@
+# Generated by Django 6.0.4 on 2026-05-24 11:38
+
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('finance', '0022_add_praemien_entry'),
+    ]
+
+    operations = [
+        migrations.CreateModel(
+            name='PraemienPolice',
+            fields=[
+                ('id', models.BigAutoField(auto_created=True, primary_key=True, serialize=False, verbose_name='ID')),
+                ('versicherer_id', models.PositiveIntegerField(db_index=True)),
+                ('kanton', models.CharField(max_length=2)),
+                ('region', models.PositiveSmallIntegerField()),
+                ('altersklasse', models.CharField(max_length=10)),
+                ('unfalleinschluss', models.CharField(max_length=10)),
+                ('tariftyp', models.CharField(max_length=10)),
+                ('tarifbezeichnung', models.CharField(max_length=200)),
+                ('franchisestufe', models.CharField(max_length=10)),
+                ('franchise_chf', models.PositiveSmallIntegerField()),
+                ('praemie', models.DecimalField(decimal_places=2, max_digits=8)),
+                ('data_year', models.PositiveSmallIntegerField(db_index=True)),
+            ],
+            options={
+                'indexes': [models.Index(fields=['kanton', 'region', 'altersklasse', 'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year'], name='finance_pra_kanton_e430cb_idx')],
+                'unique_together': {('versicherer_id', 'kanton', 'region', 'altersklasse', 'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year')},
+            },
+        ),
+    ]

backend/finance/migrations/0023_sync_profile_fields.py

@@ -1,38 +0,0 @@
-# Generated by Django 6.0.4 on 2026-05-21 20:05
-
-from django.db import migrations, models
-
-
-class Migration(migrations.Migration):
-
-    dependencies = [
-        ('finance', '0022_add_pending_household_invite'),
-    ]
-
-    operations = [
-        migrations.AddField(
-            model_name='profile',
-            name='email_verified',
-            field=models.BooleanField(default=False),
-        ),
-        migrations.AddField(
-            model_name='profile',
-            name='email_verify_token',
-            field=models.CharField(blank=True, default='', max_length=64),
-        ),
-        migrations.AddField(
-            model_name='profile',
-            name='email_verify_token_expires',
-            field=models.DateTimeField(blank=True, null=True),
-        ),
-        migrations.AddField(
-            model_name='profile',
-            name='password_reset_token_expires',
-            field=models.DateTimeField(blank=True, null=True),
-        ),
-        migrations.AddField(
-            model_name='profile',
-            name='password_reset_token_hash',
-            field=models.CharField(blank=True, default='', max_length=64),
-        ),
-    ]

backend/finance/models.py

@@ -18,7 +18,6 @@ class Account(models.Model):
     name = models.CharField(max_length=100)
     account_type = models.CharField(max_length=20, choices=ACCOUNT_TYPES, default='asset')
     balance = models.DecimalField(max_digits=12, decimal_places=2, default=0.00)
-    salary_months = models.IntegerField(default=12, choices=[(12, 12), (13, 13)])
     active = models.BooleanField(default=True)
     created_at = models.DateTimeField(auto_now_add=True)
 
@@ -227,142 +226,109 @@ class BackupCode(models.Model):
         return f"{self.user} – backup {'used' if self.used else 'active'}"
 
 
-# ── FinancialYear ─────────────────────────────────────────────────────────────
+class Insurance(models.Model):
-
+    INSURANCE_TYPES = [
-class Household(models.Model):
+        ('kvg', 'Krankenkasse Grundversicherung (KVG)'),
-    name = models.CharField(max_length=100)
+        ('kk_zusatz', 'KK-Zusatzversicherung'),
-    created_by = models.ForeignKey(
+        ('nbu', 'Nicht-Berufsunfallversicherung (NBU)'),
-        settings.AUTH_USER_MODEL,
+        ('haftpflicht', 'Privathaftpflicht'),
-        on_delete=models.PROTECT,
+        ('hausrat', 'Hausrat'),
-        related_name='created_households',
+        ('mfz', 'MFZ-Haftpflicht'),
-    )
+        ('rechtsschutz', 'Rechtsschutz'),
-    created_at = models.DateTimeField(auto_now_add=True)
+        ('saule_3a', 'Säule 3a'),
-
+        ('leben', 'Lebensversicherung'),
-    def __str__(self):
+        ('reise', 'Reiseversicherung'),
-        return self.name
+        ('other', 'Sonstiges'),
-
-
-class HouseholdMembership(models.Model):
-    STATUS_CHOICES = [
-        ('pending', 'Pending'),
-        ('active', 'Active'),
-        ('left', 'Left'),
     ]
-    ROLE_CHOICES = [
+
-        ('member', 'Member'),
+    PERIOD_CHOICES = [
-        ('admin', 'Admin'),
+        ('monthly', 'Monatlich'),
+        ('quarterly', 'Vierteljährlich'),
+        ('semi_annual', 'Halbjährlich'),
+        ('annual', 'Jährlich'),
     ]
-    household = models.ForeignKey(Household, on_delete=models.CASCADE, related_name='memberships')
+
     user = models.ForeignKey(
         settings.AUTH_USER_MODEL,
         on_delete=models.CASCADE,
-        related_name='household_memberships',
+        related_name='insurances',
     )
-    invited_by = models.ForeignKey(
+    insurance_type = models.CharField(max_length=30, choices=INSURANCE_TYPES)
-        settings.AUTH_USER_MODEL,
+    insurer = models.CharField(max_length=200)
-        on_delete=models.SET_NULL,
+    policy_number = models.CharField(max_length=100, blank=True, default='')
-        null=True,
+    premium = models.DecimalField(max_digits=10, decimal_places=2)
-        related_name='sent_invitations',
+    premium_period = models.CharField(max_length=20, choices=PERIOD_CHOICES, default='monthly')
-    )
+    coverage_amount = models.DecimalField(max_digits=12, decimal_places=2, null=True, blank=True)
-    status = models.CharField(max_length=10, choices=STATUS_CHOICES, default='pending')
+    deductible = models.DecimalField(max_digits=10, decimal_places=2, null=True, blank=True)
-    role = models.CharField(max_length=10, choices=ROLE_CHOICES, default='member')
+    valid_from = models.DateField(null=True, blank=True)
-    effective_from_year = models.PositiveSmallIntegerField(null=True, blank=True)
+    valid_until = models.DateField(null=True, blank=True)
-    effective_until_year = models.PositiveSmallIntegerField(null=True, blank=True)
-    created_at = models.DateTimeField(auto_now_add=True)
-
-    class Meta:
-        unique_together = ['household', 'user']
-
-    def __str__(self):
-        return f"{self.user} in {self.household} ({self.status})"
-
-
-class PendingHouseholdInvite(models.Model):
-    household = models.ForeignKey(Household, on_delete=models.CASCADE, related_name='pending_invites')
-    invited_email = models.EmailField()
-    invited_by = models.ForeignKey(
-        settings.AUTH_USER_MODEL,
-        on_delete=models.SET_NULL,
-        null=True,
-        related_name='sent_pending_invitations',
-    )
-    effective_from_year = models.PositiveSmallIntegerField(null=True, blank=True)
-    created_at = models.DateTimeField(auto_now_add=True)
-
-    class Meta:
-        unique_together = ['household', 'invited_email']
-
-    def __str__(self):
-        return f"Pending invite for {self.invited_email} to {self.household}"
-
-
-class FinancialYear(models.Model):
-    user = models.ForeignKey(
-        settings.AUTH_USER_MODEL,
-        on_delete=models.CASCADE,
-        related_name='financial_years',
-        null=True, blank=True,
-    )
-    household = models.ForeignKey(
-        Household,
-        on_delete=models.CASCADE,
-        related_name='financial_years',
-        null=True, blank=True,
-    )
-    year = models.PositiveSmallIntegerField()
-    is_active = models.BooleanField(default=True)
     notes = models.TextField(blank=True, default='')
     created_at = models.DateTimeField(auto_now_add=True)
 
     class Meta:
-        constraints = [
+        ordering = ['insurance_type']
-            models.CheckConstraint(
+
-                condition=(
+    def __str__(self):
-                    models.Q(user__isnull=False, household__isnull=True) |
+        return f"{self.get_insurance_type_display()} – {self.insurer}"
-                    models.Q(user__isnull=True, household__isnull=False)
+
-                ),
+
-                name='financial_year_owner_exclusive',
+class PraemienEntry(models.Model):
-            ),
+    """
-            models.UniqueConstraint(
+    Swiss health insurance average premium data from BAG / Priminfo.
-                fields=['user', 'year'],
+    Populated via management command: python manage.py import_praemien [year]
-                condition=models.Q(user__isnull=False),
+    Source: https://www.priminfo.admin.ch/downloads/praemienregionen_{year}.xlsx
-                name='unique_personal_financial_year',
+    """
-            ),
+    plz = models.CharField(max_length=10, db_index=True)
-            models.UniqueConstraint(
+    ort = models.CharField(max_length=200)
-                fields=['household', 'year'],
+    kanton = models.CharField(max_length=2)
-                condition=models.Q(household__isnull=False),
+    region = models.PositiveSmallIntegerField()  # Prämienregion 0, 1, 2, or 3
-                name='unique_household_financial_year',
+    bfs_nr = models.PositiveIntegerField(db_index=True)
-            ),
+    gemeinde = models.CharField(max_length=200)
+    bezirk = models.CharField(max_length=200, blank=True, default='')
+    avg_adult = models.DecimalField(max_digits=8, decimal_places=2)
+    avg_young_adult = models.DecimalField(max_digits=8, decimal_places=2)
+    avg_child = models.DecimalField(max_digits=8, decimal_places=2)
+    data_year = models.PositiveSmallIntegerField(db_index=True)
+
+    class Meta:
+        unique_together = ['plz', 'ort', 'data_year']
+        ordering = ['kanton', 'ort']
+
+    def __str__(self):
+        return f"{self.plz} {self.ort} ({self.kanton}) – Region {self.region} – {self.data_year}"
+
+
+class PraemienPolice(models.Model):
+    """
+    Granular KVG premium data per insurer, canton, region, age class, model, franchise.
+    Populated via management command: python manage.py import_praemien [year]
+    Source: https://opendata.bagnet.ch (Prämien_CH.csv)
+    ~217k rows for a full year.
+    """
+    versicherer_id = models.PositiveIntegerField(db_index=True)
+    kanton = models.CharField(max_length=2)
+    region = models.PositiveSmallIntegerField()          # 0, 1, 2, 3
+    altersklasse = models.CharField(max_length=10)       # AKL-ERW / AKL-JUG / AKL-KIN
+    unfalleinschluss = models.CharField(max_length=10)   # MIT-UNF / OHN-UNF
+    tariftyp = models.CharField(max_length=10)           # TAR-BASE / TAR-HAM / TAR-HMO / TAR-DIV
+    tarifbezeichnung = models.CharField(max_length=200)
+    franchisestufe = models.CharField(max_length=10)     # FRAST1 … FRAST7
+    franchise_chf = models.PositiveSmallIntegerField()   # e.g. 300, 500, 1000 …
+    praemie = models.DecimalField(max_digits=8, decimal_places=2)
+    data_year = models.PositiveSmallIntegerField(db_index=True)
+
+    class Meta:
+        unique_together = [
+            'versicherer_id', 'kanton', 'region', 'altersklasse',
+            'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year',
+        ]
+        indexes = [
+            models.Index(fields=[
+                'kanton', 'region', 'altersklasse',
+                'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year',
+            ]),
         ]
 
     def __str__(self):
-        owner = self.user or self.household
+        return (f"V{self.versicherer_id} {self.kanton} R{self.region} "
-        return f"{owner} — {self.year}"
+                f"{self.altersklasse} {self.tariftyp} {self.franchisestufe} → {self.praemie} CHF")
-
-
-class YearlyIncome(models.Model):
-    financial_year = models.ForeignKey(FinancialYear, on_delete=models.CASCADE, related_name='incomes')
-    member = models.ForeignKey(
-        settings.AUTH_USER_MODEL,
-        on_delete=models.SET_NULL,
-        null=True,
-        related_name='yearly_incomes',
-    )
-    name = models.CharField(max_length=100)
-    amount = models.DecimalField(max_digits=12, decimal_places=2)
-    active = models.BooleanField(default=True)
-    notes = models.TextField(blank=True, default='')
-
-    def __str__(self):
-        return f"{self.name}: CHF {self.amount} ({self.financial_year.year})"
-
-
-class YearlyBudgetItem(models.Model):
-    financial_year = models.ForeignKey(FinancialYear, on_delete=models.CASCADE, related_name='budget_items')
-    name = models.CharField(max_length=100)
-    amount = models.DecimalField(max_digits=12, decimal_places=2)
-    active = models.BooleanField(default=True)
-    notes = models.TextField(blank=True, default='')
-
-    def __str__(self):
-        return f"{self.name}: CHF {self.amount} ({self.financial_year.year})"

backend/finance/serializers.py

@@ -1,10 +1,6 @@
 from rest_framework import serializers
 from django.contrib.auth import get_user_model
-from .models import (
+from .models import Account, Transaction, Budget, Expense, Profile, Deadline, Insurance
-    Account, Transaction, Budget, Expense, Profile, Deadline,
-    Household, HouseholdMembership, PendingHouseholdInvite,
-    FinancialYear, YearlyIncome, YearlyBudgetItem,
-)
 
 User = get_user_model()
 
@@ -48,10 +44,6 @@ class ExpenseSerializer(serializers.ModelSerializer):
 
 class ProfileSerializer(serializers.ModelSerializer):
     totp_enabled = serializers.BooleanField(read_only=True)
-    email = serializers.SerializerMethodField()
-
-    def get_email(self, obj):
-        return obj.email or (obj.user.email if obj.user else '')
 
     class Meta:
         model = Profile
@@ -64,74 +56,10 @@ class DeadlineSerializer(serializers.ModelSerializer):
         exclude = ['user']
 
 
-class HouseholdMembershipSerializer(serializers.ModelSerializer):
+class InsuranceSerializer(serializers.ModelSerializer):
-    user_email = serializers.EmailField(source='user.email', read_only=True)
-    invited_by_email = serializers.EmailField(source='invited_by.email', read_only=True)
-
     class Meta:
-        model = HouseholdMembership
+        model = Insurance
-        fields = ['id', 'user', 'user_email', 'invited_by_email', 'status', 'role',
+        exclude = ['user']
-                  'effective_from_year', 'effective_until_year', 'created_at']
-        read_only_fields = ['id', 'user', 'user_email', 'invited_by_email', 'created_at']
-
-
-class PendingHouseholdInviteSerializer(serializers.ModelSerializer):
-    invited_by_email = serializers.EmailField(source='invited_by.email', read_only=True)
-
-    class Meta:
-        model = PendingHouseholdInvite
-        fields = ['id', 'invited_email', 'invited_by_email', 'effective_from_year', 'created_at']
-        read_only_fields = fields
-
-
-class HouseholdSerializer(serializers.ModelSerializer):
-    memberships = HouseholdMembershipSerializer(many=True, read_only=True)
-    pending_invites = PendingHouseholdInviteSerializer(many=True, read_only=True)
-    created_by_email = serializers.EmailField(source='created_by.email', read_only=True)
-
-    class Meta:
-        model = Household
-        fields = ['id', 'name', 'created_by_email', 'memberships', 'pending_invites', 'created_at']
-        read_only_fields = ['id', 'created_by_email', 'memberships', 'pending_invites', 'created_at']
-
-
-class YearlyIncomeSerializer(serializers.ModelSerializer):
-    member_email = serializers.EmailField(source='member.email', read_only=True)
-
-    class Meta:
-        model = YearlyIncome
-        fields = ['id', 'member', 'member_email', 'name', 'amount', 'active', 'notes']
-        read_only_fields = ['id', 'member_email']
-
-
-class YearlyBudgetItemSerializer(serializers.ModelSerializer):
-    class Meta:
-        model = YearlyBudgetItem
-        fields = ['id', 'name', 'amount', 'active', 'notes']
-        read_only_fields = ['id']
-
-
-class FinancialYearSerializer(serializers.ModelSerializer):
-    incomes = YearlyIncomeSerializer(many=True, read_only=True)
-    budget_items = YearlyBudgetItemSerializer(many=True, read_only=True)
-    total_income = serializers.SerializerMethodField()
-    total_fixed_costs = serializers.SerializerMethodField()
-    owner_type = serializers.SerializerMethodField()
-
-    class Meta:
-        model = FinancialYear
-        fields = ['id', 'year', 'is_active', 'notes', 'owner_type', 'household_id',
-                  'total_income', 'total_fixed_costs', 'incomes', 'budget_items', 'created_at']
-        read_only_fields = ['id', 'created_at', 'owner_type', 'household_id', 'total_income', 'total_fixed_costs']
-
-    def get_total_income(self, obj):
-        return sum(i.amount for i in obj.incomes.filter(active=True))
-
-    def get_total_fixed_costs(self, obj):
-        return sum(b.amount for b in obj.budget_items.filter(active=True))
-
-    def get_owner_type(self, obj):
-        return 'household' if obj.household_id else 'personal'
 
 
 class RegisterSerializer(serializers.Serializer):
@@ -145,21 +73,8 @@ class RegisterSerializer(serializers.Serializer):
 
     def create(self, validated_data):
         email = validated_data['email']
-        user = User.objects.create_user(
+        return User.objects.create_user(
             username=email,
             email=email,
             password=validated_data['password'],
         )
-        from .models import PendingHouseholdInvite, HouseholdMembership
-        for invite in PendingHouseholdInvite.objects.filter(invited_email__iexact=email):
-            HouseholdMembership.objects.get_or_create(
-                household=invite.household,
-                user=user,
-                defaults={
-                    'invited_by': invite.invited_by,
-                    'status': 'pending',
-                    'effective_from_year': invite.effective_from_year,
-                },
-            )
-            invite.delete()
-        return user

backend/finance/views.py

@@ -1,5 +1,4 @@
 import base64
-import datetime
 import hmac
 import hashlib
 import json
@@ -16,23 +15,17 @@ from django.contrib.auth import get_user_model, authenticate
 from django.http import HttpResponse
 from icalendar import Calendar as iCalendar, Event as iCalEvent
 
-from django.db import models
 from rest_framework import viewsets, views, status
 from rest_framework.response import Response
 from rest_framework.permissions import AllowAny, IsAuthenticated
 from rest_framework.throttling import AnonRateThrottle
 from rest_framework_simplejwt.tokens import RefreshToken
 from rest_framework_simplejwt.exceptions import TokenError
-from django.db import transaction as db_transaction
+from .models import Account, Transaction, Budget, Expense, Profile, Deadline, ReadEvent, BackupCode, UserSession, Insurance, PraemienEntry, PraemienPolice
-from .models import (
-    Account, Transaction, Budget, Expense, Profile, Deadline, ReadEvent, BackupCode, UserSession,
-    Household, HouseholdMembership, FinancialYear, YearlyIncome, YearlyBudgetItem,
-)
 from .serializers import (
     AccountSerializer, TransactionSerializer, BudgetSerializer,
     ExpenseSerializer, ProfileSerializer, DeadlineSerializer, RegisterSerializer,
-    HouseholdSerializer, HouseholdMembershipSerializer,
+    InsuranceSerializer,
-    FinancialYearSerializer, YearlyIncomeSerializer, YearlyBudgetItemSerializer,
 )
 
 
@@ -119,6 +112,172 @@ class DeadlineViewSet(viewsets.ModelViewSet):
         serializer.save(user=self.request.user)
 
 
+class InsuranceViewSet(viewsets.ModelViewSet):
+    serializer_class = InsuranceSerializer
+
+    def get_queryset(self):
+        return Insurance.objects.filter(user=self.request.user)
+
+    def perform_create(self, serializer):
+        serializer.save(user=self.request.user)
+
+
+INSURER_NAMES: dict[int, str] = {
+    8:    'Helsana AG',
+    32:   'KPT/CPT',
+    134:  'CSS Versicherung AG',
+    194:  'Concordia',
+    246:  'Groupe Mutuel',
+    290:  'Sanitas Krankenversicherung',
+    312:  'SWICA Krankenversicherung',
+    343:  'Visana AG',
+    360:  'Atupri Krankenkasse',
+    376:  'Kolping Krankenkasse',
+    455:  'EGK-Gesundheitskasse',
+    509:  'Galenos AG',
+    780:  'Luzerner Hinterland Krankenkasse (LHK)',
+    820:  'Krankenkasse Steffisburg',
+    881:  'sodalis gesundheitsgruppe',
+    923:  'Vivao Sympany AG',
+    941:  'Birchmeier Krankenkasse',
+    966:  'Krankenkasse Wädenswil',
+    1040: 'ÖKK',
+    1113: 'Agrisano Krankenkasse',
+    1318: 'Mutuel Assurance',
+    1322: 'Provita Gesundheitsversicherung AG',
+    1384: 'Sanagate AG',
+    1386: 'Aquilana Versicherungen',
+    1401: 'Easy Sana Assurance Maladie SA',
+    1479: 'Caisse-maladie Philos',
+    1507: 'Scheidegg Krankenkasse',
+    1509: 'Sana24 AG',
+    1535: 'rhenusana',
+    1542: 'Caisse-maladie de la Vallée SA',
+    1555: 'KLuG Krankenkasse',
+    1560: 'Krankenkasse Institut Ingenbohl',
+    1562: 'Sumiswalder Krankenkasse',
+    1568: 'avanto health AG',
+}
+
+
+def _age_class(geburtsjahr: int) -> str:
+    from datetime import date
+    age = date.today().year - geburtsjahr
+    if age <= 18:
+        return 'AKL-KIN'
+    if age <= 25:
+        return 'AKL-JUG'
+    return 'AKL-ERW'
+
+
+class PraemienView(views.APIView):
+    """
+    GET /api/praemien/?plz=8001
+    → Ø-Prämien aus D_PRIM (alle Versicherer, alle Modelle), 3 Alterskategorien.
+
+    GET /api/praemien/vergleich/?plz=8001&geburtsjahr=1990&tariftyp=TAR-BASE&franchisestufe=FRAST1&unfall=OHN-UNF
+    → Granularer Prämienvergleich pro Versicherer aus Prämien_CH.csv.
+    """
+    permission_classes = [IsAuthenticated]
+
+    def get(self, request):
+        plz = request.query_params.get('plz', '').strip().zfill(4)
+        if not plz or not plz.isdigit() or len(plz) != 4:
+            return Response({'error': 'Invalid PLZ'}, status=status.HTTP_400_BAD_REQUEST)
+
+        latest_year = (PraemienEntry.objects
+                       .values_list('data_year', flat=True)
+                       .order_by('-data_year').first())
+        if not latest_year:
+            return Response({'error': 'No data imported yet.'}, status=status.HTTP_404_NOT_FOUND)
+
+        entries = list(PraemienEntry.objects.filter(plz=plz, data_year=latest_year).values(
+            'plz', 'ort', 'kanton', 'region', 'gemeinde', 'bezirk',
+            'avg_adult', 'avg_young_adult', 'avg_child', 'data_year',
+        ))
+        if not entries:
+            return Response({'error': f'No data for PLZ {plz}'}, status=status.HTTP_404_NOT_FOUND)
+
+        return Response({'data_year': latest_year, 'results': entries})
+
+
+class PraemienVergleichView(views.APIView):
+    """
+    GET /api/praemien/vergleich/?plz=8001&geburtsjahr=1990&tariftyp=TAR-BASE&franchisestufe=FRAST1&unfall=OHN-UNF
+    Returns all available insurers for the given filters, sorted by premium ascending.
+    """
+    permission_classes = [IsAuthenticated]
+
+    def get(self, request):
+        plz = request.query_params.get('plz', '').strip().zfill(4)
+        geburtsjahr_raw = request.query_params.get('geburtsjahr', '').strip()
+        tariftyp = request.query_params.get('tariftyp', 'TAR-BASE').strip()
+        franchisestufe = request.query_params.get('franchisestufe', 'FRAST1').strip()
+        unfall = request.query_params.get('unfall', 'OHN-UNF').strip()
+
+        if not plz or not plz.isdigit() or len(plz) != 4:
+            return Response({'error': 'Invalid PLZ'}, status=status.HTTP_400_BAD_REQUEST)
+        if not geburtsjahr_raw.isdigit():
+            return Response({'error': 'Invalid geburtsjahr'}, status=status.HTTP_400_BAD_REQUEST)
+
+        geburtsjahr = int(geburtsjahr_raw)
+        altersklasse = _age_class(geburtsjahr)
+
+        # Resolve PLZ → Kanton + Region
+        entry = (PraemienEntry.objects
+                 .filter(plz=plz)
+                 .order_by('-data_year')
+                 .values('kanton', 'region', 'ort', 'gemeinde', 'data_year')
+                 .first())
+        if not entry:
+            return Response({'error': f'PLZ {plz} not found'}, status=status.HTTP_404_NOT_FOUND)
+
+        kanton = entry['kanton']
+        region = entry['region']
+
+        # Latest policen year
+        policen_year = (PraemienPolice.objects
+                        .values_list('data_year', flat=True)
+                        .order_by('-data_year').first())
+        if not policen_year:
+            return Response({'error': 'No policen data imported yet.'}, status=status.HTTP_404_NOT_FOUND)
+
+        policen = list(PraemienPolice.objects.filter(
+            kanton=kanton,
+            region=region,
+            altersklasse=altersklasse,
+            unfalleinschluss=unfall,
+            tariftyp=tariftyp,
+            franchisestufe=franchisestufe,
+            data_year=policen_year,
+        ).values('versicherer_id', 'tarifbezeichnung', 'franchise_chf', 'praemie')
+         .order_by('praemie'))
+
+        results = []
+        for p in policen:
+            vid = p['versicherer_id']
+            results.append({
+                'versicherer_id': vid,
+                'versicherer_name': INSURER_NAMES.get(vid, f'Versicherer {vid}'),
+                'tarifbezeichnung': p['tarifbezeichnung'],
+                'franchise_chf': p['franchise_chf'],
+                'praemie': str(p['praemie']),
+            })
+
+        return Response({
+            'kanton': kanton,
+            'region': region,
+            'ort': entry['ort'],
+            'gemeinde': entry['gemeinde'],
+            'altersklasse': altersklasse,
+            'tariftyp': tariftyp,
+            'franchisestufe': franchisestufe,
+            'unfall': unfall,
+            'data_year': policen_year,
+            'results': results,
+        })
+
+
 class ProfileView(views.APIView):
     def get(self, request):
         profile, _ = Profile.objects.get_or_create(user=request.user)
@@ -1005,454 +1164,3 @@ class PasswordResetConfirmView(views.APIView):
         for session in UserSession.objects.filter(user=user):
             _blacklist_session(session)
         return Response({'detail': 'Password updated.'})
-
-
-# ── FinancialYear Helpers ─────────────────────────────────────────────────────
-
-def _get_user_financial_year(user, year):
-    """Return the FinancialYear for a given year accessible to this user."""
-    # Personal year
-    fy = FinancialYear.objects.filter(user=user, year=year).first()
-    if fy:
-        return fy
-    # Household year where user is an active member for this year
-    memberships = HouseholdMembership.objects.filter(
-        user=user,
-        status='active',
-        effective_from_year__lte=year,
-    ).filter(
-        models.Q(effective_until_year__isnull=True) | models.Q(effective_until_year__gt=year)
-    )
-    household_ids = memberships.values_list('household_id', flat=True)
-    return FinancialYear.objects.filter(household_id__in=household_ids, year=year).first()
-
-
-def _all_user_financial_years(user):
-    """Return all FinancialYears accessible to this user."""
-    personal = FinancialYear.objects.filter(user=user)
-    memberships = HouseholdMembership.objects.filter(user=user, status='active')
-    household_ids = memberships.values_list('household_id', flat=True)
-    household = FinancialYear.objects.filter(household_id__in=household_ids)
-    return (personal | household).distinct().order_by('-year')
-
-
-def _max_year_for_user(user):
-    """Return the highest year the user currently has access to."""
-    years = _all_user_financial_years(user).values_list('year', flat=True)
-    return max(years) if years else None
-
-
-# ── FinancialYear Views ───────────────────────────────────────────────────────
-
-class FinancialYearListCreateView(views.APIView):
-    def get(self, request):
-        qs = _all_user_financial_years(request.user)
-        return Response(FinancialYearSerializer(qs, many=True).data)
-
-    def post(self, request):
-        year = request.data.get('year')
-        if not year:
-            return Response({'year': 'This field is required.'}, status=400)
-        try:
-            year = int(year)
-        except (TypeError, ValueError):
-            return Response({'year': 'Must be an integer.'}, status=400)
-
-        current_year = datetime.date.today().year
-        if year > current_year + 1:
-            return Response(
-                {'year': f'You can only create years up to {current_year + 1}.'},
-                status=400,
-            )
-
-        max_year = _max_year_for_user(request.user)
-        if max_year is not None and year != max_year + 1:
-            return Response(
-                {'year': f'You can only create the next year ({max_year + 1}).'},
-                status=400,
-            )
-
-        household_id = request.data.get('household_id')
-        if household_id:
-            household = Household.objects.filter(
-                id=household_id,
-                memberships__user=request.user,
-                memberships__status='active',
-            ).first()
-            if not household:
-                return Response({'detail': 'Household not found or not a member.'}, status=404)
-            if FinancialYear.objects.filter(household=household, year=year).exists():
-                return Response({'year': 'This year already exists for this household.'}, status=400)
-            FinancialYear.objects.filter(household=household, is_active=True).update(is_active=False)
-            fy = FinancialYear.objects.create(household=household, year=year, is_active=True)
-        else:
-            if FinancialYear.objects.filter(user=request.user, year=year).exists():
-                return Response({'year': 'This year already exists.'}, status=400)
-            FinancialYear.objects.filter(user=request.user, is_active=True).update(is_active=False)
-            fy = FinancialYear.objects.create(user=request.user, year=year, is_active=True)
-
-        return Response(FinancialYearSerializer(fy).data, status=201)
-
-
-class FinancialYearDetailView(views.APIView):
-    def _get_or_404(self, request, year):
-        fy = _get_user_financial_year(request.user, year)
-        if not fy:
-            return None
-        return fy
-
-    def get(self, request, year):
-        fy = self._get_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        return Response(FinancialYearSerializer(fy).data)
-
-    def patch(self, request, year):
-        fy = self._get_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        serializer = FinancialYearSerializer(fy, data=request.data, partial=True)
-        if serializer.is_valid():
-            serializer.save()
-            return Response(serializer.data)
-        return Response(serializer.errors, status=400)
-
-    def delete(self, request, year):
-        fy = self._get_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        if not fy.is_active:
-            return Response({'detail': 'Archived years cannot be deleted.'}, status=400)
-        fy.delete()
-        return Response(status=204)
-
-
-class FinancialYearCopyView(views.APIView):
-    def post(self, request, year, source_year):
-        source = _get_user_financial_year(request.user, source_year)
-        if not source:
-            return Response({'detail': f'Source year {source_year} not found.'}, status=404)
-
-        target = _get_user_financial_year(request.user, year)
-        if not target:
-            return Response({'detail': f'Target year {year} not found.'}, status=404)
-
-        if not target.is_active:
-            return Response({'detail': 'Target year is archived.'}, status=400)
-
-        with db_transaction.atomic():
-            incomes_copied = 0
-            for income in source.incomes.all():
-                YearlyIncome.objects.create(
-                    financial_year=target,
-                    member=income.member,
-                    name=income.name,
-                    amount=income.amount,
-                    active=income.active,
-                    notes=income.notes,
-                )
-                incomes_copied += 1
-
-            items_copied = 0
-            for item in source.budget_items.all():
-                YearlyBudgetItem.objects.create(
-                    financial_year=target,
-                    name=item.name,
-                    amount=item.amount,
-                    active=item.active,
-                    notes=item.notes,
-                )
-                items_copied += 1
-
-        return Response({
-            'year': year,
-            'source_year': source_year,
-            'incomes_copied': incomes_copied,
-            'budget_items_copied': items_copied,
-        })
-
-
-# ── YearlyIncome Views ────────────────────────────────────────────────────────
-
-class YearlyIncomeListCreateView(views.APIView):
-    def _get_year_or_404(self, request, year):
-        fy = _get_user_financial_year(request.user, year)
-        return fy
-
-    def get(self, request, year):
-        fy = self._get_year_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        return Response(YearlyIncomeSerializer(fy.incomes.all(), many=True).data)
-
-    def post(self, request, year):
-        fy = self._get_year_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        if not fy.is_active:
-            return Response({'detail': 'Archived years are read-only.'}, status=403)
-        serializer = YearlyIncomeSerializer(data=request.data)
-        if serializer.is_valid():
-            serializer.save(financial_year=fy, member=request.user)
-            return Response(serializer.data, status=201)
-        return Response(serializer.errors, status=400)
-
-
-class YearlyIncomeDetailView(views.APIView):
-    def _get_income_or_404(self, request, year, pk):
-        fy = _get_user_financial_year(request.user, year)
-        if not fy:
-            return None, None
-        income = fy.incomes.filter(pk=pk).first()
-        return fy, income
-
-    def patch(self, request, year, pk):
-        fy, income = self._get_income_or_404(request, year, pk)
-        if not income:
-            return Response({'detail': 'Not found.'}, status=404)
-        serializer = YearlyIncomeSerializer(income, data=request.data, partial=True)
-        if serializer.is_valid():
-            serializer.save()
-            return Response(serializer.data)
-        return Response(serializer.errors, status=400)
-
-    def delete(self, request, year, pk):
-        fy, income = self._get_income_or_404(request, year, pk)
-        if not income:
-            return Response({'detail': 'Not found.'}, status=404)
-        income.delete()
-        return Response(status=204)
-
-
-# ── YearlyBudgetItem Views ────────────────────────────────────────────────────
-
-class YearlyBudgetItemListCreateView(views.APIView):
-    def _get_year_or_404(self, request, year):
-        return _get_user_financial_year(request.user, year)
-
-    def get(self, request, year):
-        fy = self._get_year_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        return Response(YearlyBudgetItemSerializer(fy.budget_items.all(), many=True).data)
-
-    def post(self, request, year):
-        fy = self._get_year_or_404(request, year)
-        if not fy:
-            return Response({'detail': 'Not found.'}, status=404)
-        serializer = YearlyBudgetItemSerializer(data=request.data)
-        if serializer.is_valid():
-            serializer.save(financial_year=fy)
-            return Response(serializer.data, status=201)
-        return Response(serializer.errors, status=400)
-
-
-class YearlyBudgetItemDetailView(views.APIView):
-    def _get_item_or_404(self, request, year, pk):
-        fy = _get_user_financial_year(request.user, year)
-        if not fy:
-            return None, None
-        item = fy.budget_items.filter(pk=pk).first()
-        return fy, item
-
-    def patch(self, request, year, pk):
-        fy, item = self._get_item_or_404(request, year, pk)
-        if not item:
-            return Response({'detail': 'Not found.'}, status=404)
-        serializer = YearlyBudgetItemSerializer(item, data=request.data, partial=True)
-        if serializer.is_valid():
-            serializer.save()
-            return Response(serializer.data)
-        return Response(serializer.errors, status=400)
-
-    def delete(self, request, year, pk):
-        fy, item = self._get_item_or_404(request, year, pk)
-        if not item:
-            return Response({'detail': 'Not found.'}, status=404)
-        item.delete()
-        return Response(status=204)
-
-
-# ── Household Views ───────────────────────────────────────────────────────────
-
-class HouseholdListCreateView(views.APIView):
-    def get(self, request):
-        memberships = HouseholdMembership.objects.filter(user=request.user, status__in=['active', 'pending'])
-        household_ids = memberships.values_list('household_id', flat=True)
-        created = Household.objects.filter(created_by=request.user)
-        qs = (Household.objects.filter(id__in=household_ids) | created).distinct()
-        return Response(HouseholdSerializer(qs, many=True).data)
-
-    def post(self, request):
-        serializer = HouseholdSerializer(data=request.data)
-        if serializer.is_valid():
-            household = serializer.save(created_by=request.user)
-            # Creator is automatically an active member
-            next_year = (datetime.date.today().year + 1)
-            HouseholdMembership.objects.create(
-                household=household,
-                user=request.user,
-                invited_by=request.user,
-                status='active',
-                role='admin',
-                effective_from_year=next_year,
-            )
-            return Response(HouseholdSerializer(household).data, status=201)
-        return Response(serializer.errors, status=400)
-
-
-class HouseholdInviteView(views.APIView):
-    def post(self, request, pk):
-        household = Household.objects.filter(pk=pk).first()
-        if not household:
-            return Response({'detail': 'Not found.'}, status=404)
-        # Only founder or active admins can invite
-        is_founder = household.created_by == request.user
-        is_admin = HouseholdMembership.objects.filter(
-            household=household, user=request.user, status='active', role='admin'
-        ).exists()
-        if not (is_founder or is_admin):
-            return Response({'detail': 'Only admins can invite members.'}, status=403)
-
-        email = request.data.get('email', '').strip().lower()
-        User = get_user_model()
-        invitee = User.objects.filter(email__iexact=email).first()
-
-        from django.conf import settings
-        from .email import send_email
-        from .models import PendingHouseholdInvite
-        next_year = datetime.date.today().year + 1
-        inviter_name = request.user.get_full_name() or request.user.email
-
-        if not invitee:
-            if PendingHouseholdInvite.objects.filter(household=household, invited_email__iexact=email).exists():
-                return Response({'detail': 'Invitation already sent to this email.'}, status=400)
-            PendingHouseholdInvite.objects.create(
-                household=household,
-                invited_by=request.user,
-                invited_email=email,
-                effective_from_year=next_year,
-            )
-            register_url = f"{settings.FRONTEND_URL}/register"
-            send_email(
-                template_name='household_invite',
-                subject=f'Einladung zum Haushalt «{household.name}»',
-                context={
-                    'invitee_name': email,
-                    'inviter_name': inviter_name,
-                    'household_name': household.name,
-                    'accept_url': register_url,
-                    'cta_label': 'Konto erstellen & beitreten',
-                },
-                to=email,
-            )
-            return Response({'detail': f'Registration invitation sent to {email}.'})
-
-        if invitee == request.user:
-            return Response({'detail': 'You cannot invite yourself.'}, status=400)
-        if HouseholdMembership.objects.filter(household=household, user=invitee, status__in=['pending', 'active']).exists():
-            return Response({'detail': 'User is already a member or has a pending invitation.'}, status=400)
-
-        HouseholdMembership.objects.create(
-            household=household,
-            user=invitee,
-            invited_by=request.user,
-            status='pending',
-            effective_from_year=next_year,
-        )
-        invitee_name = invitee.get_full_name() or invitee.email
-        send_email(
-            template_name='household_invite',
-            subject=f'Einladung zum Haushalt «{household.name}»',
-            context={
-                'invitee_name': invitee_name,
-                'inviter_name': inviter_name,
-                'household_name': household.name,
-                'accept_url': f"{settings.FRONTEND_URL}/financial-year",
-                'cta_label': 'Einladung annehmen',
-            },
-            to=invitee.email,
-        )
-        return Response({'detail': f'Invitation sent to {email} for year {next_year}.'})
-
-
-class HouseholdAcceptView(views.APIView):
-    def post(self, request, pk):
-        membership = HouseholdMembership.objects.filter(
-            household_id=pk, user=request.user, status='pending'
-        ).first()
-        if not membership:
-            return Response({'detail': 'No pending invitation found.'}, status=404)
-        membership.status = 'active'
-        membership.save(update_fields=['status'])
-        return Response({'detail': 'Invitation accepted.'})
-
-
-class HouseholdLeaveView(views.APIView):
-    def post(self, request, pk):
-        membership = HouseholdMembership.objects.filter(
-            household_id=pk, user=request.user, status='active'
-        ).first()
-        if not membership:
-            return Response({'detail': 'You are not an active member of this household.'}, status=404)
-
-        next_year = datetime.date.today().year + 1
-        membership.status = 'left'
-        membership.effective_until_year = next_year
-        membership.save(update_fields=['status', 'effective_until_year'])
-        return Response({'detail': f'You will leave this household at the end of {next_year - 1}.'})
-
-
-class HouseholdSetRoleView(views.APIView):
-    def post(self, request, pk, membership_id):
-        # Only the founder can assign roles
-        household = Household.objects.filter(pk=pk, created_by=request.user).first()
-        if not household:
-            return Response({'detail': 'Not found or not owner.'}, status=404)
-
-        membership = HouseholdMembership.objects.filter(
-            pk=membership_id, household=household, status='active'
-        ).first()
-        if not membership:
-            return Response({'detail': 'Active membership not found.'}, status=404)
-
-        if membership.user == request.user:
-            return Response({'detail': 'Cannot change your own role.'}, status=400)
-
-        role = request.data.get('role')
-        if role not in ['member', 'admin']:
-            return Response({'detail': 'Role must be "member" or "admin".'}, status=400)
-
-        membership.role = role
-        membership.save(update_fields=['role'])
-        return Response(HouseholdMembershipSerializer(membership).data)
-
-
-class HouseholdRevenueAccountsView(views.APIView):
-    def get(self, request, pk):
-        membership = HouseholdMembership.objects.filter(
-            household_id=pk, user=request.user, status='active'
-        ).first()
-        if not membership:
-            return Response({'detail': 'Not a member of this household.'}, status=403)
-
-        member_users = HouseholdMembership.objects.filter(
-            household_id=pk, status='active'
-        ).values_list('user_id', flat=True)
-
-        accounts = Account.objects.filter(
-            user_id__in=member_users, account_type='revenue', active=True
-        ).select_related('user')
-
-        data = [
-            {
-                'id': a.id,
-                'name': a.name,
-                'balance': str(a.balance),
-                'salary_months': a.salary_months,
-                'owner_email': a.user.email,
-                'is_mine': a.user_id == request.user.id,
-            }
-            for a in accounts
-        ]
-        return Response(data)

backend/templates/emails/household_invite.html

@@ -1,34 +0,0 @@
-{% extends "emails/base.html" %}
-
-{% block subject %}Armarium – Einladung zum Haushalt{% endblock %}
-
-{% block body %}
-  <p style="margin:0 0 20px;font-size:15px;color:#374151;line-height:1.6;">Hallo {{ invitee_name }},</p>
-
-  <p style="margin:0 0 20px;font-size:15px;color:#374151;line-height:1.6;">
-    <strong>{{ inviter_name }}</strong> hat dich eingeladen, dem Haushalt
-    <strong>{{ household_name }}</strong> auf Armarium beizutreten.
-  </p>
-
-  <table role="presentation" width="100%" cellpadding="0" cellspacing="0" style="margin:0 0 28px;">
-    <tr>
-      <td align="center">
-        <a href="{{ accept_url }}"
-           style="display:inline-block;background-color:#7c3aed;color:#ffffff;font-size:15px;font-weight:600;text-decoration:none;padding:14px 32px;border-radius:8px;letter-spacing:0.1px;">
-          {{ cta_label }}
-        </a>
-      </td>
-    </tr>
-  </table>
-
-  <p style="margin:0 0 8px;font-size:13px;color:#6b7280;line-height:1.6;">
-    Falls der Button nicht funktioniert, kopiere diesen Link in deinen Browser:
-  </p>
-  <p style="margin:0 0 24px;font-size:13px;color:#7c3aed;line-height:1.6;word-break:break-all;">
-    {{ accept_url }}
-  </p>
-
-  <p style="margin:0;font-size:15px;color:#374151;line-height:1.6;">
-    – Das Armarium-Team
-  </p>
-{% endblock %}

backend/templates/emails/household_invite.txt

@@ -1,10 +0,0 @@
-Hallo {{ invitee_name }},
-
-{{ inviter_name }} hat dich eingeladen, dem Haushalt "{{ household_name }}" auf Armarium beizutreten.
-
-{{ cta_label }}:
-{{ accept_url }}
-
-Falls du diese Einladung nicht erwartet hast, kannst du sie ignorieren.
-
-– Das Armarium-Team

frontend/src/app/app.routes.ts

@@ -14,7 +14,10 @@ import { ExpenseList } from './expenses/expense-list/expense-list';
 import { Profile } from './profile/profile';
 import { Settings } from './settings/settings';
 import { Calendar } from './calendar/calendar';
-import { FinancialYearComponent } from './financial-year/financial-year';
+import { InsuranceOverview } from './insurance/overview/overview';
+import { InsuranceDocuments } from './insurance/documents/documents';
+import { InsuranceAnalyse } from './insurance/analyse/analyse';
+import { Priminfo } from './insurance/priminfo/priminfo';
 export const routes: Routes = [
   { path: 'login', component: Login },
   { path: 'register', component: Register },
@@ -35,7 +38,10 @@ export const routes: Routes = [
       { path: 'profile', component: Profile },
       { path: 'settings', component: Settings },
       { path: 'calendar', component: Calendar },
-      { path: 'financial-year', component: FinancialYearComponent },
+      { path: 'insurance', component: InsuranceOverview },
+      { path: 'insurance-documents', component: InsuranceDocuments },
+      { path: 'insurance-analyse', component: InsuranceAnalyse },
+      { path: 'insurance-priminfo', component: Priminfo },
     ],
   },
   { path: '**', redirectTo: 'dashboard' },

frontend/src/app/dashboard/dashboard.ts

@@ -2,7 +2,6 @@ import { Component, OnInit, OnDestroy, AfterViewInit, signal } from '@angular/co
 import { CommonModule } from '@angular/common';
 import { TranslateModule, TranslateService } from '@ngx-translate/core';
 import { ApiService } from '../services/api';
-import { FinancialYearService, FinancialYear } from '../services/financial-year';
 import ApexCharts from 'apexcharts';
 import { Subscription } from 'rxjs';
 
@@ -14,11 +13,10 @@ import { Subscription } from 'rxjs';
   styleUrl: './dashboard.css',
 })
 export class Dashboard implements OnInit, AfterViewInit, OnDestroy {
-  financialYears = signal<FinancialYear[]>([]);
+  accounts = signal<any[]>([]);
+  budgets = signal<any[]>([]);
   expenses = signal<any[]>([]);
   transactions = signal<any[]>([]);
-  budgets = signal<any[]>([]);
-  accounts = signal<any[]>([]);
   donutExpanded = signal(false);
   selectedYear = signal(new Date().getFullYear());
   yearDropdownOpen = signal(false);
@@ -34,18 +32,17 @@ export class Dashboard implements OnInit, AfterViewInit, OnDestroy {
   private barChart?: ApexCharts;
   private donutChart?: ApexCharts;
   private dataLoaded = 0;
-  private readonly totalRequests = 5;
+  private readonly totalRequests = 4;
   private timeInterval?: ReturnType<typeof setInterval>;
   private langSub?: Subscription;
 
-  constructor(private api: ApiService, private fy: FinancialYearService, private translate: TranslateService) {}
+  constructor(private api: ApiService, private translate: TranslateService) {}
 
   ngOnInit(): void {
-    this.fy.list().subscribe({ next: (d) => { this.financialYears.set(d); this.onDataLoaded(); } });
+    this.api.getAccounts().subscribe({ next: (d) => { this.accounts.set(d); this.onDataLoaded(); } });
+    this.api.getBudgets().subscribe({ next: (d) => { this.budgets.set(d); this.onDataLoaded(); } });
     this.api.getExpenses().subscribe({ next: (d) => { this.expenses.set(d); this.onDataLoaded(); } });
     this.api.getTransactions().subscribe({ next: (d) => { this.transactions.set(d); this.onDataLoaded(); } });
-    this.api.getBudgets().subscribe({ next: (d) => { this.budgets.set(d); this.onDataLoaded(); } });
-    this.api.getAccounts().subscribe({ next: (d) => { this.accounts.set(d); this.onDataLoaded(); } });
 
     this.api.getProfile().subscribe({
       next: (p) => {
@@ -103,10 +100,6 @@ export class Dashboard implements OnInit, AfterViewInit, OnDestroy {
     this.dateTimeDisplay.set(`${weekday}, ${date} | ${time}`);
   }
 
-  private financialYearFor(year: number): FinancialYear | undefined {
-    return this.financialYears().find((fy) => fy.year === year);
-  }
-
   // KPIs
   totalIncome(): number {
     return this.accounts()
@@ -121,10 +114,7 @@ export class Dashboard implements OnInit, AfterViewInit, OnDestroy {
   }
 
   totalExpenses(): number {
-    const year = this.selectedYear();
+    return this.expenses().reduce((sum, e) => sum + parseFloat(e.amount), 0);
-    return this.expenses()
-      .filter((e) => new Date(e.date).getFullYear() === year)
-      .reduce((sum, e) => sum + parseFloat(e.amount), 0);
   }
 
   balance(): number {
@@ -172,23 +162,21 @@ export class Dashboard implements OnInit, AfterViewInit, OnDestroy {
     this.selectedYear.set(year);
     this.yearDropdownOpen.set(false);
     this.renderBarChart();
-    this.renderDonutChart();
   }
 
   availableYears(): number[] {
     const years = new Set<number>([new Date().getFullYear()]);
-    this.financialYears().forEach((fy) => years.add(fy.year));
+    this.expenses().forEach(e => years.add(new Date(e.date).getFullYear()));
-    this.expenses().forEach((e) => years.add(new Date(e.date).getFullYear()));
     return Array.from(years).sort((a, b) => b - a);
   }
 
   donutItems(): { name: string; amount: number; pct: string; color: string }[] {
-    const items = this.budgets().filter((b) => b.active);
+    const active = this.budgets().filter((b) => b.active);
-    const total = items.reduce((sum, b) => sum + +b.amount, 0);
+    const total = active.reduce((sum, b) => sum + parseFloat(b.amount), 0);
-    return items.map((b, i) => ({
+    return active.map((b, i) => ({
       name: b.name,
-      amount: +b.amount,
+      amount: parseFloat(b.amount),
-      pct: total > 0 ? ((+b.amount / total) * 100).toFixed(1) : '0',
+      pct: total > 0 ? ((parseFloat(b.amount) / total) * 100).toFixed(1) : '0',
       color: this.donutColors[i % this.donutColors.length],
     }));
   }
@@ -316,7 +304,7 @@ export class Dashboard implements OnInit, AfterViewInit, OnDestroy {
 
     const active = this.budgets().filter((b) => b.active);
     const labels = active.map((b) => b.name);
-    const series = active.map((b) => +b.amount);
+    const series = active.map((b) => parseFloat(b.amount));
 
     if (series.length === 0) return;
 

frontend/src/app/financial-year/financial-year.html

@@ -1,671 +0,0 @@
-<!-- Backdrop for year dropdown -->
-@if (yearDropdownOpen()) {
-  <div class="fixed inset-0 z-20" (click)="yearDropdownOpen.set(false)"></div>
-}
-
-<div class="p-4 sm:p-6 max-w-4xl mx-auto space-y-5">
-
-  <!-- Page header -->
-  <div class="flex flex-col sm:flex-row sm:items-center sm:justify-between gap-3">
-    <div>
-      <h1 class="text-xl font-semibold text-gray-900 dark:text-white">
-        {{ 'financial_year.title' | translate }}
-      </h1>
-      @if (currentFY()) {
-        <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">
-          {{ currentFY()!.owner_type === 'household'
-            ? ('financial_year.owner_household' | translate)
-            : ('financial_year.owner_personal' | translate) }}
-        </p>
-      }
-    </div>
-
-    <div class="flex items-center gap-2">
-
-      <!-- Year dropdown -->
-      @if (years().length > 0) {
-        <div class="relative z-30">
-          <button type="button" (click)="yearDropdownOpen.set(!yearDropdownOpen())"
-            class="flex items-center gap-2 px-3 py-2 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-700">
-            <span>{{ selectedYear() }}</span>
-            <svg class="w-4 h-4 transition-transform" [class.rotate-180]="yearDropdownOpen()" fill="currentColor" viewBox="0 0 20 20">
-              <path fill-rule="evenodd" d="M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z" clip-rule="evenodd"/>
-            </svg>
-          </button>
-          @if (yearDropdownOpen()) {
-            <div class="absolute right-0 top-full mt-1 w-28 bg-white dark:bg-gray-800 border border-gray-200 dark:border-gray-700 rounded-lg shadow-lg py-1">
-              @for (y of years(); track y.year) {
-                <button type="button" (click)="selectYear(y.year)"
-                  class="w-full flex items-center justify-between px-3 py-1.5 text-sm hover:bg-gray-100 dark:hover:bg-gray-700"
-                  [class.text-violet-700]="y.year === selectedYear()"
-                  [class.dark:text-violet-400]="y.year === selectedYear()"
-                  [class.font-semibold]="y.year === selectedYear()"
-                  [class.text-gray-700]="y.year !== selectedYear()"
-                  [class.dark:text-gray-200]="y.year !== selectedYear()">
-                  {{ y.year }}
-                  @if (y.is_active) {
-                    <span class="w-1.5 h-1.5 rounded-full bg-violet-500"></span>
-                  }
-                </button>
-              }
-            </div>
-          }
-        </div>
-      }
-
-      <!-- New year button -->
-      @if (canCreateNewYear()) {
-        <button type="button" (click)="openNewYearModal()"
-          class="flex items-center gap-1.5 px-3 py-2 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800 focus:ring-2 focus:ring-violet-300 dark:focus:ring-violet-800">
-          <svg class="w-4 h-4" fill="currentColor" viewBox="0 0 20 20">
-            <path fill-rule="evenodd" d="M10 3a1 1 0 011 1v5h5a1 1 0 110 2h-5v5a1 1 0 11-2 0v-5H4a1 1 0 110-2h5V4a1 1 0 011-1z" clip-rule="evenodd"/>
-          </svg>
-          {{ 'financial_year.new_year' | translate }}
-        </button>
-      }
-
-    </div>
-  </div>
-
-  <!-- Loading spinner -->
-  @if (loading()) {
-    <div class="flex justify-center py-16">
-      <svg class="animate-spin w-6 h-6 text-violet-600" fill="none" viewBox="0 0 24 24">
-        <circle class="opacity-25" cx="12" cy="12" r="10" stroke="currentColor" stroke-width="4"></circle>
-        <path class="opacity-75" fill="currentColor" d="M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4z"></path>
-      </svg>
-    </div>
-  }
-
-  <!-- Empty state: no years at all -->
-  @if (!loading() && years().length === 0) {
-    <div class="text-center py-16">
-      <svg class="mx-auto w-12 h-12 text-gray-300 dark:text-gray-600 mb-4" fill="currentColor" viewBox="0 0 20 20">
-        <path d="M2 10a1 1 0 011-1h2a1 1 0 011 1v5a1 1 0 01-1 1H3a1 1 0 01-1-1v-5zM8 6a1 1 0 011-1h2a1 1 0 011 1v9a1 1 0 01-1 1H9a1 1 0 01-1-1V6zM14 4a1 1 0 011-1h2a1 1 0 011 1v11a1 1 0 01-1 1h-2a1 1 0 01-1-1V4z"/>
-      </svg>
-      <p class="text-gray-500 dark:text-gray-400 mb-4">{{ 'financial_year.no_years' | translate }}</p>
-      <button type="button" (click)="openNewYearModal()"
-        class="px-4 py-2 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800">
-        {{ 'financial_year.start_first_year' | translate }}
-      </button>
-    </div>
-  }
-
-  <!-- Main content -->
-  @if (!loading() && currentFY()) {
-
-    <!-- Summary cards -->
-    <div class="grid grid-cols-1 sm:grid-cols-3 gap-4">
-
-      <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-4">
-        <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">
-          {{ 'financial_year.total_income' | translate }}
-        </p>
-        <p class="mt-1.5 text-2xl font-bold text-gray-900 dark:text-white">
-          CHF {{ formatChf(totalAnnualIncome()) }}
-        </p>
-        <p class="text-xs text-gray-400 dark:text-gray-500 mt-0.5">
-          CHF {{ formatChf(totalAnnualIncome() / 12) }} / {{ 'financial_year.per_month' | translate }}
-        </p>
-      </div>
-
-      <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-4">
-        <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">
-          {{ 'financial_year.total_fixed_costs' | translate }}
-        </p>
-        <p class="mt-1.5 text-2xl font-bold text-gray-900 dark:text-white">
-          CHF {{ formatChf(totalAnnualBudget()) }}
-        </p>
-        <p class="text-xs text-gray-400 dark:text-gray-500 mt-0.5">
-          CHF {{ formatChf(totalMonthlyBudget()) }} / {{ 'financial_year.per_month' | translate }}
-        </p>
-      </div>
-
-      <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-4">
-        <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">
-          {{ 'financial_year.total_expenses_year' | translate }} {{ selectedYear() }}
-        </p>
-        <p class="mt-1.5 text-2xl font-bold text-gray-900 dark:text-white">
-          CHF {{ formatChf(totalYearExpenses()) }}
-        </p>
-        <p class="text-xs text-gray-400 dark:text-gray-500 mt-0.5">
-          Ø CHF {{ formatChf(avgMonthlyExpenses()) }} / {{ 'financial_year.per_month' | translate }}
-        </p>
-      </div>
-
-    </div>
-
-    <!-- Tabs + item list -->
-    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 overflow-hidden">
-
-      <!-- Tab navigation -->
-      <div class="border-b border-gray-200 dark:border-gray-700 px-4">
-        <nav class="flex gap-0 -mb-px">
-          <button type="button" (click)="selectTab('incomes')"
-            class="px-4 py-3 text-sm font-medium border-b-2 transition-colors"
-            [class.border-violet-700]="activeTab() === 'incomes'"
-            [class.text-violet-700]="activeTab() === 'incomes'"
-            [class.dark:text-violet-400]="activeTab() === 'incomes'"
-            [class.border-transparent]="activeTab() !== 'incomes'"
-            [class.text-gray-500]="activeTab() !== 'incomes'"
-            [class.dark:text-gray-400]="activeTab() !== 'incomes'"
-            [class.hover:text-gray-700]="activeTab() !== 'incomes'"
-            [class.dark:hover:text-gray-200]="activeTab() !== 'incomes'">
-            {{ 'financial_year.tab_incomes' | translate }}
-            <span class="ml-1.5 text-xs bg-gray-100 dark:bg-gray-700 text-gray-600 dark:text-gray-300 rounded-full px-1.5 py-0.5">
-              {{ revenueAccounts().length }}
-            </span>
-          </button>
-          <button type="button" (click)="selectTab('budget_items')"
-            class="px-4 py-3 text-sm font-medium border-b-2 transition-colors"
-            [class.border-violet-700]="activeTab() === 'budget_items'"
-            [class.text-violet-700]="activeTab() === 'budget_items'"
-            [class.dark:text-violet-400]="activeTab() === 'budget_items'"
-            [class.border-transparent]="activeTab() !== 'budget_items'"
-            [class.text-gray-500]="activeTab() !== 'budget_items'"
-            [class.dark:text-gray-400]="activeTab() !== 'budget_items'"
-            [class.hover:text-gray-700]="activeTab() !== 'budget_items'"
-            [class.dark:hover:text-gray-200]="activeTab() !== 'budget_items'">
-            {{ 'financial_year.tab_budget_items' | translate }}
-            <span class="ml-1.5 text-xs bg-gray-100 dark:bg-gray-700 text-gray-600 dark:text-gray-300 rounded-full px-1.5 py-0.5">
-              {{ budgetItems().length }}
-            </span>
-          </button>
-        </nav>
-      </div>
-
-      <!-- Item list: Incomes (from Revenue Accounts) -->
-      @if (activeTab() === 'incomes') {
-        @if (revenueAccounts().length === 0) {
-          <p class="text-sm text-gray-400 dark:text-gray-500 text-center py-10">
-            {{ 'financial_year.no_revenue_accounts' | translate }}
-          </p>
-        }
-        @for (account of revenueAccounts(); track account.id) {
-          <div class="flex items-center gap-3 px-4 py-3 hover:bg-gray-50 dark:hover:bg-gray-700/40 border-b border-gray-100 dark:border-gray-700/50 last:border-b-0">
-            <div class="flex-1 min-w-0">
-              <p class="text-sm font-medium text-gray-900 dark:text-white truncate">{{ account.name }}</p>
-              <p class="text-xs text-gray-400 dark:text-gray-500">
-                CHF {{ formatChf(account.balance) }}/Mt.
-                @if (account.owner_email && !account.is_mine) {
-                  · <span class="italic">{{ account.owner_email }}</span>
-                }
-              </p>
-            </div>
-            <div class="text-right shrink-0">
-              <p class="text-sm font-semibold text-gray-900 dark:text-white">
-                CHF {{ formatChf(account.balance * (account.salary_months ?? 12)) }}
-              </p>
-              <p class="text-xs text-gray-400 dark:text-gray-500">
-                {{ 'financial_year.annual_label' | translate }}
-              </p>
-            </div>
-            <button type="button" (click)="toggleSalaryMonths(account)"
-              title="{{ 'financial_year.toggle_salary_months' | translate }}"
-              class="shrink-0 min-w-[2.5rem] text-xs font-semibold rounded-full px-2.5 py-1 transition-colors"
-              [class.bg-violet-100]="(account.salary_months ?? 12) === 13"
-              [class.text-violet-700]="(account.salary_months ?? 12) === 13"
-              [class.dark:bg-violet-900/30]="(account.salary_months ?? 12) === 13"
-              [class.dark:text-violet-400]="(account.salary_months ?? 12) === 13"
-              [class.bg-gray-100]="(account.salary_months ?? 12) === 12"
-              [class.text-gray-600]="(account.salary_months ?? 12) === 12"
-              [class.dark:bg-gray-700]="(account.salary_months ?? 12) === 12"
-              [class.dark:text-gray-300]="(account.salary_months ?? 12) === 12">
-              {{ account.salary_months ?? 12 }} Mt.
-            </button>
-          </div>
-        }
-        @if (revenueAccounts().length > 0) {
-          <div class="flex items-center justify-between px-4 py-3 bg-gray-50 dark:bg-gray-700/30 border-t border-gray-200 dark:border-gray-700">
-            <span class="text-sm font-medium text-gray-700 dark:text-gray-300">{{ 'financial_year.total_annual_income' | translate }}</span>
-            <span class="text-sm font-bold text-gray-900 dark:text-white">CHF {{ formatChf(totalAnnualIncome()) }}</span>
-          </div>
-        }
-      }
-
-      <!-- Item list: Budget items -->
-      @if (activeTab() === 'budget_items') {
-        @if (budgetItems().length === 0 && !showForm()) {
-          <p class="text-sm text-gray-400 dark:text-gray-500 text-center py-10">
-            {{ 'financial_year.no_budget_items' | translate }}
-          </p>
-        }
-        @for (item of budgetItems(); track item.id) {
-          <div class="flex items-center gap-3 px-4 py-3 hover:bg-gray-50 dark:hover:bg-gray-700/40 border-b border-gray-100 dark:border-gray-700/50 last:border-b-0">
-            <div class="flex-1 min-w-0">
-              <p class="text-sm font-medium text-gray-900 dark:text-white truncate">{{ item.name }}</p>
-              @if (item.notes) {
-                <p class="text-xs text-gray-400 dark:text-gray-500 truncate">{{ item.notes }}</p>
-              }
-            </div>
-            <div class="text-right shrink-0">
-              <p class="text-sm font-semibold text-gray-900 dark:text-white">CHF {{ formatChf(item.amount) }}</p>
-              <p class="text-xs text-gray-400 dark:text-gray-500">CHF {{ formatChf(perMonth(item.amount)) }}/Mt.</p>
-            </div>
-            @if (!item.active) {
-              <span class="shrink-0 text-xs font-medium bg-gray-100 dark:bg-gray-700 text-gray-500 dark:text-gray-400 rounded-full px-2 py-0.5">Inaktiv</span>
-            }
-            <div class="flex items-center gap-0.5 shrink-0">
-              <button type="button" (click)="openEditForm(item)"
-                title="{{ 'common.edit' | translate }}"
-                class="p-1.5 text-gray-400 hover:text-violet-700 dark:hover:text-violet-400 rounded-md hover:bg-violet-50 dark:hover:bg-violet-900/20 transition-colors">
-                <svg class="w-4 h-4" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24">
-                  <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m14.304 4.844 2.852 2.852M7 7H4a1 1 0 0 0-1 1v10a1 1 0 0 0 1 1h11a1 1 0 0 0 1-1v-4.5m2.409-9.91a2.017 2.017 0 0 1 0 2.853l-6.844 6.844L8 14l.713-3.565 6.844-6.844a2.015 2.015 0 0 1 2.852 0Z"/>
-                </svg>
-              </button>
-              <button type="button" (click)="confirmDelete(item.id)"
-                title="{{ 'common.delete' | translate }}"
-                class="p-1.5 text-gray-400 hover:text-red-600 dark:hover:text-red-400 rounded-md hover:bg-red-50 dark:hover:bg-red-900/20 transition-colors">
-                <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
-                  <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M5 7h14m-9 3v8m4-8v8M10 3h4a1 1 0 0 1 1 1v3H9V4a1 1 0 0 1 1-1ZM6 7h12v13a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V7Z"/>
-                </svg>
-              </button>
-            </div>
-          </div>
-        }
-      }
-
-      <!-- Inline add/edit form (budget_items tab only) -->
-      @if (showForm() && activeTab() !== 'incomes') {
-        <div class="px-4 py-4 bg-gray-50 dark:bg-gray-700/30 border-t border-gray-200 dark:border-gray-700">
-          <h3 class="text-sm font-semibold text-gray-900 dark:text-white mb-3">
-            {{ editingId ? ('common.edit' | translate) : ('common.add' | translate) }}
-          </h3>
-          <div class="grid grid-cols-1 sm:grid-cols-2 gap-3">
-            <div>
-              <label class="block text-xs font-medium text-gray-700 dark:text-gray-300 mb-1">
-                {{ 'financial_year.label_name' | translate }}
-              </label>
-              <input type="text" [(ngModel)]="formName"
-                [placeholder]="activeTab() === 'incomes' ? 'z.B. Lohn' : 'z.B. Miete'"
-                class="w-full px-3 py-2 text-sm bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg focus:ring-2 focus:ring-violet-500 focus:border-violet-500 text-gray-900 dark:text-white placeholder-gray-400">
-            </div>
-            <div>
-              <label class="block text-xs font-medium text-gray-700 dark:text-gray-300 mb-1">
-                {{ 'financial_year.label_amount' | translate }}
-              </label>
-              <input type="number" [(ngModel)]="formAmount" min="0" step="100"
-                class="w-full px-3 py-2 text-sm bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg focus:ring-2 focus:ring-violet-500 focus:border-violet-500 text-gray-900 dark:text-white">
-            </div>
-            <div>
-              <label class="block text-xs font-medium text-gray-700 dark:text-gray-300 mb-1">
-                {{ 'financial_year.label_notes' | translate }}
-                <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
-              </label>
-              <input type="text" [(ngModel)]="formNotes"
-                class="w-full px-3 py-2 text-sm bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg focus:ring-2 focus:ring-violet-500 focus:border-violet-500 text-gray-900 dark:text-white placeholder-gray-400">
-            </div>
-            <div class="flex items-end pb-0.5">
-              <label class="flex items-center gap-2 cursor-pointer">
-                <input type="checkbox" [(ngModel)]="formActive"
-                  class="w-4 h-4 rounded border-gray-300 dark:border-gray-600 text-violet-600 focus:ring-violet-500 bg-white dark:bg-gray-700">
-                <span class="text-sm text-gray-700 dark:text-gray-300">
-                  {{ 'financial_year.label_active' | translate }}
-                </span>
-              </label>
-            </div>
-          </div>
-          @if (formError) {
-            <p class="mt-2 text-xs text-red-600 dark:text-red-400">
-              {{ 'financial_year.error_' + formError | translate }}
-            </p>
-          }
-          <div class="flex items-center gap-2 mt-3">
-            <button type="button" (click)="saveForm()" [disabled]="formSaving"
-              class="px-4 py-2 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800 disabled:opacity-60 disabled:cursor-not-allowed">
-              {{ formSaving ? '…' : ('common.save' | translate) }}
-            </button>
-            <button type="button" (click)="closeForm()"
-              class="px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-700">
-              {{ 'common.cancel' | translate }}
-            </button>
-          </div>
-        </div>
-      }
-
-      <!-- Footer add button (budget_items tab only) -->
-      @if (!showForm() && activeTab() !== 'incomes') {
-        <div class="px-4 py-3 border-t border-gray-100 dark:border-gray-700/50">
-          <button type="button" (click)="openAddForm()"
-            class="flex items-center gap-1.5 text-sm font-medium text-violet-700 dark:text-violet-400 hover:text-violet-900 dark:hover:text-violet-300 transition-colors">
-            <svg class="w-4 h-4" fill="currentColor" viewBox="0 0 20 20">
-              <path fill-rule="evenodd" d="M10 3a1 1 0 011 1v5h5a1 1 0 110 2h-5v5a1 1 0 11-2 0v-5H4a1 1 0 110-2h5V4a1 1 0 011-1z" clip-rule="evenodd"/>
-            </svg>
-            {{ activeTab() === 'incomes'
-              ? ('financial_year.add_income' | translate)
-              : ('financial_year.add_budget_item' | translate) }}
-          </button>
-        </div>
-      }
-
-    </div>
-  }
-
-  <!-- Household Section -->
-  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 overflow-hidden">
-
-    <!-- Header -->
-    <div class="flex items-center gap-2 px-4 py-3 border-b border-gray-200 dark:border-gray-700">
-      <svg class="w-5 h-5 text-violet-700 dark:text-violet-400 flex-shrink-0" fill="currentColor" viewBox="0 0 20 20">
-        <path d="M10.707 2.293a1 1 0 00-1.414 0l-7 7a1 1 0 001.414 1.414L4 10.414V17a1 1 0 001 1h4a1 1 0 001-1v-3h2v3a1 1 0 001 1h4a1 1 0 001-1v-6.586l.293.293a1 1 0 001.414-1.414l-7-7z"/>
-      </svg>
-      <h2 class="text-sm font-semibold text-gray-900 dark:text-white">{{ 'household.title' | translate }}</h2>
-    </div>
-
-    <!-- No household at all -->
-    @if (households().length === 0) {
-      <div class="px-4 py-8 text-center">
-        <p class="text-sm text-gray-500 dark:text-gray-400 mb-1">{{ 'household.none' | translate }}</p>
-        <p class="text-xs text-gray-400 dark:text-gray-500 mb-4">{{ 'household.none_hint' | translate }}</p>
-
-        @if (!showCreateHouseholdForm()) {
-          <button type="button" (click)="showCreateHouseholdForm.set(true)"
-            class="px-4 py-2 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800">
-            {{ 'household.create' | translate }}
-          </button>
-        }
-
-        @if (showCreateHouseholdForm()) {
-          <div class="mt-4 max-w-sm mx-auto text-left">
-            <label class="block text-xs font-medium text-gray-700 dark:text-gray-300 mb-1">
-              {{ 'household.label_name' | translate }}
-            </label>
-            <input type="text" [(ngModel)]="householdName"
-              [placeholder]="'household.placeholder_name' | translate"
-              class="w-full px-3 py-2 text-sm bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg focus:ring-2 focus:ring-violet-500 focus:border-violet-500 text-gray-900 dark:text-white placeholder-gray-400">
-            @if (householdError) {
-              <p class="mt-1 text-xs text-red-600 dark:text-red-400">
-                {{ 'household.error_' + householdError | translate }}
-              </p>
-            }
-            <div class="flex gap-2 mt-2">
-              <button type="button" (click)="createHousehold()" [disabled]="householdSaving"
-                class="px-4 py-2 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800 disabled:opacity-60">
-                {{ householdSaving ? '…' : ('common.create' | translate) }}
-              </button>
-              <button type="button" (click)="showCreateHouseholdForm.set(false); householdName = ''; householdError = ''"
-                class="px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-700">
-                {{ 'common.cancel' | translate }}
-              </button>
-            </div>
-          </div>
-        }
-      </div>
-    }
-
-    <!-- Household list -->
-    @for (h of households(); track h.id) {
-      @let myM = myMembership(h);
-      @let amFounder = isFounder(h);
-      @let isPending = myM?.status === 'pending';
-
-      <div class="px-4 py-4" [class.border-b]="!$last" [class.border-gray-100]="!$last" [class.dark:border-gray-700]="!$last">
-
-        <!-- Household header row -->
-        <div class="flex items-center justify-between mb-3">
-          <div>
-            <h3 class="text-sm font-semibold text-gray-900 dark:text-white">{{ h.name }}</h3>
-            <p class="text-xs text-gray-400 dark:text-gray-500 mt-0.5">
-              {{ 'household.created_by' | translate }}: {{ h.created_by_email }}
-            </p>
-          </div>
-          <!-- Invite button (founder or admin, only if not pending) -->
-          @if (!isPending && canInvite(h) && inviteHouseholdId() !== h.id) {
-            <button type="button" (click)="openInviteForm(h.id)"
-              class="flex items-center gap-1.5 px-3 py-1.5 text-xs font-medium text-violet-700 dark:text-violet-400 border border-violet-300 dark:border-violet-700 rounded-lg hover:bg-violet-50 dark:hover:bg-violet-900/20">
-              <svg class="w-3.5 h-3.5" fill="currentColor" viewBox="0 0 20 20">
-                <path d="M8 9a3 3 0 100-6 3 3 0 000 6zM8 11a6 6 0 016 6H2a6 6 0 016-6zM16 7a1 1 0 10-2 0v1h-1a1 1 0 100 2h1v1a1 1 0 102 0v-1h1a1 1 0 100-2h-1V7z"/>
-              </svg>
-              {{ 'household.invite' | translate }}
-            </button>
-          }
-        </div>
-
-        <!-- Pending invitation banner -->
-        @if (isPending) {
-          <div class="flex items-center justify-between bg-violet-50 dark:bg-violet-900/20 border border-violet-200 dark:border-violet-800 rounded-lg px-3 py-2.5 mb-3">
-            <div>
-              <p class="text-xs font-medium text-violet-800 dark:text-violet-300">{{ 'household.pending_invitation' | translate }}</p>
-              <p class="text-xs text-violet-600 dark:text-violet-400 mt-0.5">
-                {{ 'household.pending_from' | translate }}: {{ myM?.invited_by_email }}
-                · {{ 'household.effective_from' | translate }} {{ myM?.effective_from_year }}
-              </p>
-            </div>
-            <button type="button" (click)="acceptInvitation(h.id)"
-              class="ml-3 px-3 py-1.5 text-xs font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800 shrink-0">
-              {{ 'household.accept' | translate }}
-            </button>
-          </div>
-        }
-
-        <!-- Member list (show only for non-pending) -->
-        @if (!isPending) {
-          <div class="divide-y divide-gray-100 dark:divide-gray-700 border border-gray-200 dark:border-gray-700 rounded-lg overflow-hidden">
-            @for (m of activeMembers(h); track m.id) {
-              <div class="flex items-center gap-3 px-3 py-2.5">
-                <!-- Email -->
-                <p class="flex-1 text-sm text-gray-900 dark:text-white truncate min-w-0">
-                  {{ m.user_email }}
-                  @if (m.user_email === userEmail) {
-                    <span class="ml-1.5 text-xs text-gray-400">({{ 'household.you' | translate }})</span>
-                  }
-                  @if (m.user_email === h.created_by_email) {
-                    <span class="ml-1.5 text-xs text-gray-400">({{ 'household.founder' | translate }})</span>
-                  }
-                </p>
-                <!-- Status badge -->
-                <span class="shrink-0 text-xs font-medium rounded-full px-2 py-0.5"
-                  [class.bg-green-100]="m.status === 'active'"
-                  [class.text-green-700]="m.status === 'active'"
-                  [class.dark:bg-green-900/30]="m.status === 'active'"
-                  [class.dark:text-green-400]="m.status === 'active'"
-                  [class.bg-yellow-100]="m.status === 'pending'"
-                  [class.text-yellow-700]="m.status === 'pending'"
-                  [class.dark:bg-yellow-900/30]="m.status === 'pending'"
-                  [class.dark:text-yellow-400]="m.status === 'pending'">
-                  {{ 'household.status_' + m.status | translate }}
-                </span>
-                <!-- Role badge -->
-                <span class="shrink-0 text-xs font-medium rounded-full px-2 py-0.5"
-                  [class.bg-violet-100]="m.role === 'admin'"
-                  [class.text-violet-700]="m.role === 'admin'"
-                  [class.dark:bg-violet-900/30]="m.role === 'admin'"
-                  [class.dark:text-violet-400]="m.role === 'admin'"
-                  [class.bg-gray-100]="m.role === 'member'"
-                  [class.text-gray-500]="m.role === 'member'"
-                  [class.dark:bg-gray-700]="m.role === 'member'"
-                  [class.dark:text-gray-400]="m.role === 'member'">
-                  {{ 'household.role_' + m.role | translate }}
-                </span>
-                <!-- Role toggle (only founder, not for self, only for active members) -->
-                @if (amFounder && m.user_email !== userEmail && m.status === 'active') {
-                  <button type="button" (click)="toggleMemberRole(h.id, m)"
-                    class="shrink-0 p-1.5 text-gray-400 hover:text-violet-700 dark:hover:text-violet-400 rounded-md hover:bg-violet-50 dark:hover:bg-violet-900/20 transition-colors"
-                    [title]="m.role === 'admin' ? ('household.remove_admin' | translate) : ('household.make_admin' | translate)">
-                    <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
-                      <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M15.75 5.25a3 3 0 0 1 3 3m3 0a6 6 0 0 1-7.029 5.912c-.563-.097-1.159.026-1.563.43L10.5 17.25H8.25v2.25H6v2.25H2.25v-2.818c0-.597.237-1.17.659-1.591l6.499-6.499c.404-.404.527-1 .43-1.563A6 6 0 0 1 21.75 8.25Z"/>
-                    </svg>
-                  </button>
-                }
-              </div>
-            }
-          </div>
-        }
-
-        <!-- Pending invites (no account yet) -->
-        @if (!isPending && (h.pending_invites?.length ?? 0) > 0) {
-          <div class="mt-3 divide-y divide-gray-100 dark:divide-gray-700 border border-gray-200 dark:border-gray-700 rounded-lg overflow-hidden">
-            @for (pi of h.pending_invites; track pi.id) {
-              <div class="flex items-center gap-3 px-3 py-2.5">
-                <p class="flex-1 text-sm text-gray-400 dark:text-gray-500 truncate min-w-0 italic">
-                  {{ pi.invited_email }}
-                </p>
-                <span class="shrink-0 text-xs font-medium bg-gray-100 dark:bg-gray-700 text-gray-500 dark:text-gray-400 rounded-full px-2 py-0.5">
-                  {{ 'household.status_unregistered' | translate }}
-                </span>
-              </div>
-            }
-          </div>
-        }
-
-        <!-- Invite form -->
-        @if (inviteHouseholdId() === h.id) {
-          <div class="mt-3 p-3 bg-gray-50 dark:bg-gray-700/30 rounded-lg border border-gray-200 dark:border-gray-700">
-            <label class="block text-xs font-medium text-gray-700 dark:text-gray-300 mb-1">
-              {{ 'household.invite_email' | translate }}
-            </label>
-            <div class="flex gap-2">
-              <input type="email" [(ngModel)]="inviteEmail"
-                [placeholder]="'household.invite_placeholder' | translate"
-                class="flex-1 min-w-0 px-3 py-2 text-sm bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg focus:ring-2 focus:ring-violet-500 focus:border-violet-500 text-gray-900 dark:text-white placeholder-gray-400">
-              <button type="button" (click)="sendInvite(h.id)" [disabled]="inviteSaving"
-                class="px-3 py-2 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800 disabled:opacity-60 shrink-0">
-                {{ inviteSaving ? '…' : ('household.send' | translate) }}
-              </button>
-              <button type="button" (click)="inviteHouseholdId.set(null)"
-                class="px-3 py-2 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-800 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-700 shrink-0">
-                {{ 'common.cancel' | translate }}
-              </button>
-            </div>
-            @if (inviteError) {
-              <p class="mt-1.5 text-xs text-red-600 dark:text-red-400">
-                {{ 'household.error_' + inviteError | translate }}
-              </p>
-            }
-          </div>
-        }
-
-        <!-- Leave button (active members who are not the founder) -->
-        @if (!amFounder && myM?.status === 'active') {
-          <div class="mt-3 flex justify-end">
-            <button type="button" (click)="openLeaveModal(h.id)"
-              class="text-xs font-medium text-red-600 dark:text-red-400 hover:text-red-800 dark:hover:text-red-300">
-              {{ 'household.leave' | translate }}
-            </button>
-          </div>
-        }
-
-      </div>
-    }
-
-  </div>
-
-</div>
-
-<!-- New Year Modal -->
-@if (showNewYearModal()) {
-  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
-    <div class="bg-white dark:bg-gray-800 rounded-xl shadow-xl p-6 w-full max-w-sm">
-
-      <h2 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">
-        {{ 'financial_year.confirm_new_year' | translate: { year: nextYear() } }}
-      </h2>
-
-      <!-- Haushalt-Auswahl -->
-      @if (activeHouseholds().length > 0) {
-        <div class="mb-4">
-          <label class="block text-xs font-medium text-gray-700 dark:text-gray-300 mb-1.5">
-            {{ 'financial_year.new_year_owner' | translate }}
-          </label>
-          <div class="flex flex-col gap-1.5">
-            <label class="flex items-center gap-2 cursor-pointer">
-              <input type="radio" name="newYearOwner" [value]="null" [checked]="newYearHouseholdId() === null" (change)="newYearHouseholdId.set(null)"
-                class="text-violet-600 focus:ring-violet-500">
-              <span class="text-sm text-gray-700 dark:text-gray-300">{{ 'financial_year.owner_personal' | translate }}</span>
-            </label>
-            @for (h of activeHouseholds(); track h.id) {
-              <label class="flex items-center gap-2 cursor-pointer">
-                <input type="radio" name="newYearOwner" [value]="h.id" [checked]="newYearHouseholdId() === h.id" (change)="newYearHouseholdId.set(h.id)"
-                  class="text-violet-600 focus:ring-violet-500">
-                <span class="text-sm text-gray-700 dark:text-gray-300">{{ h.name }}</span>
-              </label>
-            }
-          </div>
-        </div>
-      }
-
-      @if (years().length > 0) {
-        <p class="text-sm text-gray-500 dark:text-gray-400 mb-5">
-          {{ 'financial_year.confirm_copy' | translate: { source: selectedYear() } }}
-        </p>
-        <div class="flex flex-col gap-2">
-          <button type="button" (click)="createYear(true)"
-            class="w-full px-4 py-2.5 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800">
-            {{ 'financial_year.copy_yes' | translate }}
-          </button>
-          <button type="button" (click)="createYear(false)"
-            class="w-full px-4 py-2.5 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600">
-            {{ 'financial_year.copy_no' | translate }}
-          </button>
-          <button type="button" (click)="showNewYearModal.set(false)"
-            class="w-full px-4 py-2 text-sm text-gray-400 hover:text-gray-600 dark:hover:text-gray-300">
-            {{ 'common.cancel' | translate }}
-          </button>
-        </div>
-      } @else {
-        <p class="text-sm text-gray-500 dark:text-gray-400 mb-5">
-          {{ 'financial_year.first_year_hint' | translate: { year: nextYear() } }}
-        </p>
-        <div class="flex flex-col gap-2">
-          <button type="button" (click)="createYear(false)"
-            class="w-full px-4 py-2.5 text-sm font-medium text-white bg-violet-700 rounded-lg hover:bg-violet-800">
-            {{ 'financial_year.create_year' | translate }}
-          </button>
-          <button type="button" (click)="showNewYearModal.set(false)"
-            class="w-full px-4 py-2 text-sm text-gray-400 hover:text-gray-600 dark:hover:text-gray-300">
-            {{ 'common.cancel' | translate }}
-          </button>
-        </div>
-      }
-
-    </div>
-  </div>
-}
-
-<!-- Leave Household Modal -->
-@if (showLeaveModal()) {
-  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
-    <div class="bg-white dark:bg-gray-800 rounded-xl shadow-xl p-6 w-full max-w-sm">
-      <h2 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">
-        {{ 'household.leave_confirm_title' | translate }}
-      </h2>
-      <p class="text-sm text-gray-500 dark:text-gray-400 mb-5">
-        {{ 'household.leave_confirm_text' | translate }}
-      </p>
-      <div class="flex gap-3">
-        <button type="button" (click)="showLeaveModal.set(false)"
-          class="flex-1 px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600">
-          {{ 'common.cancel' | translate }}
-        </button>
-        <button type="button" (click)="confirmLeave()"
-          class="flex-1 px-4 py-2 text-sm font-medium text-white bg-red-600 rounded-lg hover:bg-red-700">
-          {{ 'household.leave' | translate }}
-        </button>
-      </div>
-    </div>
-  </div>
-}
-
-<!-- Delete Confirm Modal -->
-@if (showDeleteModal()) {
-  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
-    <div class="bg-white dark:bg-gray-800 rounded-xl shadow-xl p-6 w-full max-w-sm">
-      <h2 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">
-        {{ 'common.delete_confirm_title' | translate }}
-      </h2>
-      <p class="text-sm text-gray-500 dark:text-gray-400 mb-5">
-        {{ 'common.delete_confirm_text' | translate }}
-      </p>
-      <div class="flex gap-3">
-        <button type="button" (click)="showDeleteModal.set(false)"
-          class="flex-1 px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-200 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600">
-          {{ 'common.cancel' | translate }}
-        </button>
-        <button type="button" (click)="executeDelete()"
-          class="flex-1 px-4 py-2 text-sm font-medium text-white bg-red-600 rounded-lg hover:bg-red-700">
-          {{ 'common.delete' | translate }}
-        </button>
-      </div>
-    </div>
-  </div>
-}

frontend/src/app/financial-year/financial-year.ts

@@ -1,447 +0,0 @@
-import { Component, OnInit, signal, computed } from '@angular/core';
-import { CommonModule } from '@angular/common';
-import { FormsModule } from '@angular/forms';
-import { TranslateModule } from '@ngx-translate/core';
-import { FinancialYearService, FinancialYear, YearlyIncome, YearlyBudgetItem, Household, HouseholdMembership } from '../services/financial-year';
-import { ApiService } from '../services/api';
-
-type Tab = 'incomes' | 'budget_items';
-
-@Component({
-  selector: 'app-financial-year',
-  standalone: true,
-  imports: [CommonModule, FormsModule, TranslateModule],
-  templateUrl: './financial-year.html',
-  styleUrl: './financial-year.css',
-})
-export class FinancialYearComponent implements OnInit {
-  years = signal<FinancialYear[]>([]);
-  currentFY = signal<FinancialYear | null>(null);
-  selectedYear = signal<number>(new Date().getFullYear());
-  activeTab = signal<Tab>('incomes');
-  loading = signal(true);
-  yearDropdownOpen = signal(false);
-
-  // New year modal
-  showNewYearModal = signal(false);
-  newYearHouseholdId = signal<number | null>(null);
-
-  // Add/edit form
-  showForm = signal(false);
-  editingId: number | null = null;
-  formName = '';
-  formAmount = 0;
-  formNotes = '';
-  formActive = true;
-  formError = '';
-  formSaving = false;
-
-  // Delete modal
-  showDeleteModal = signal(false);
-  deleteId: number | null = null;
-
-  // Revenue accounts (income tab)
-  revenueAccounts = signal<any[]>([]);
-
-  // Budgets (fixed costs)
-  budgets = signal<any[]>([]);
-
-  // Expenses (actual spending)
-  expenses = signal<any[]>([]);
-
-  // Household state
-  households = signal<Household[]>([]);
-  userEmail = '';
-
-  // Create household form
-  showCreateHouseholdForm = signal(false);
-  householdName = '';
-  householdSaving = false;
-  householdError = '';
-
-  // Invite form
-  inviteHouseholdId = signal<number | null>(null);
-  inviteEmail = '';
-  inviteError = '';
-  inviteSaving = false;
-
-  // Leave confirm modal
-  showLeaveModal = signal(false);
-  leaveHouseholdId: number | null = null;
-
-  constructor(private fyService: FinancialYearService, private api: ApiService) {}
-
-  ngOnInit(): void {
-    this.loadAll();
-    this.loadHouseholds();
-    this.loadRevenueAccounts();
-    this.loadBudgets();
-    this.api.getExpenses().subscribe({ next: (d) => this.expenses.set(d) });
-    this.api.getProfile().subscribe({ next: (p) => { this.userEmail = p.email || ''; } });
-  }
-
-  // --- Computed ---
-
-  nextYear = computed(() => {
-    const ys = this.years();
-    if (ys.length === 0) return new Date().getFullYear();
-    return Math.max(...ys.map(y => y.year)) + 1;
-  });
-
-  canCreateNewYear = computed(() => {
-    const next = this.nextYear();
-    const maxAllowed = new Date().getFullYear() + 1;
-    return next <= maxAllowed && !this.years().some(y => y.year === next);
-  });
-
-  totalIncome = computed(() => Number(this.currentFY()?.total_income ?? 0));
-  totalFixedCosts = computed(() => Number(this.currentFY()?.total_fixed_costs ?? 0));
-
-  disposable = computed(() => this.totalIncome() - this.totalFixedCosts());
-
-  savingsRate = computed(() => {
-    const i = this.totalIncome();
-    return i > 0 ? Math.round((this.disposable() / i) * 100) : 0;
-  });
-
-  incomes = computed(() => this.currentFY()?.incomes ?? []);
-  budgetItems = computed(() => this.currentFY()?.budget_items ?? []);
-
-  totalAnnualIncome = computed(() =>
-    this.revenueAccounts().reduce((sum, a) => sum + parseFloat(a.balance) * (a.salary_months ?? 12), 0)
-  );
-
-  totalMonthlyBudget = computed(() =>
-    this.budgets().filter((b) => b.active).reduce((sum, b) => sum + parseFloat(b.amount), 0)
-  );
-
-  totalAnnualBudget = computed(() => this.totalMonthlyBudget() * 12);
-
-  totalYearExpenses = computed(() =>
-    this.expenses()
-      .filter((e) => new Date(e.date).getFullYear() === this.selectedYear())
-      .reduce((sum, e) => sum + parseFloat(e.amount), 0)
-  );
-
-  avgMonthlyExpenses = computed(() => {
-    const now = new Date();
-    const year = this.selectedYear();
-    const months = year < now.getFullYear() ? 12 : now.getMonth() + 1;
-    return months > 0 ? this.totalYearExpenses() / months : 0;
-  });
-
-  // --- Data loading ---
-
-  private loadAll(): void {
-    this.loading.set(true);
-    this.fyService.list().subscribe({
-      next: (ys) => {
-        // ys is ordered by -year (descending from backend)
-        this.years.set(ys);
-        if (ys.length > 0) {
-          const target =
-            ys.find(y => y.year === this.selectedYear()) ??
-            ys.find(y => y.is_active) ??
-            ys[0];
-          this.selectedYear.set(target.year);
-          this.currentFY.set(target);
-        }
-        this.loading.set(false);
-      },
-      error: () => this.loading.set(false),
-    });
-  }
-
-  private reloadCurrentYear(): void {
-    const year = this.selectedYear();
-    this.fyService.get(year).subscribe({
-      next: (fy) => {
-        setTimeout(() => {
-          this.currentFY.set(fy);
-          // Keep the years list in sync for totals shown in the sidebar/year selector
-          this.years.update(ys => ys.map(y => (y.year === year ? { ...y, ...fy } : y)));
-        });
-      },
-    });
-  }
-
-  // --- Year selection ---
-
-  selectYear(year: number): void {
-    this.yearDropdownOpen.set(false);
-    this.selectedYear.set(year);
-    this.closeForm();
-    const cached = this.years().find(y => y.year === year);
-    if (cached) {
-      this.currentFY.set(cached);
-      this.loadRevenueAccounts();
-    }
-  }
-
-  // --- Year creation ---
-
-  openNewYearModal(): void {
-    this.newYearHouseholdId.set(null);
-    this.showNewYearModal.set(true);
-  }
-
-  activeHouseholds(): Household[] {
-    return this.households().filter(h =>
-      h.memberships.some(m => m.user_email === this.userEmail && m.status === 'active')
-    );
-  }
-
-  createYear(copy: boolean): void {
-    const newYear = this.nextYear();
-    const sourceYear = copy ? Math.max(...this.years().map(y => y.year)) : null;
-    const householdId = this.newYearHouseholdId();
-
-    const payload: { year: number; household_id?: number } = { year: newYear };
-    if (householdId) payload.household_id = householdId;
-
-    this.fyService.create(payload).subscribe({
-      next: () => {
-        if (sourceYear !== null) {
-          this.fyService.copyFrom(newYear, sourceYear).subscribe({
-            next: () => {
-              this.showNewYearModal.set(false);
-              this.selectedYear.set(newYear);
-              this.loadAll();
-            },
-          });
-        } else {
-          this.showNewYearModal.set(false);
-          this.selectedYear.set(newYear);
-          this.loadAll();
-        }
-      },
-    });
-  }
-
-  // --- Tab ---
-
-  selectTab(tab: Tab): void {
-    this.activeTab.set(tab);
-    this.closeForm();
-  }
-
-  // --- Form ---
-
-  openAddForm(): void {
-    this.editingId = null;
-    this.formName = '';
-    this.formAmount = 0;
-    this.formNotes = '';
-    this.formActive = true;
-    this.formError = '';
-    this.formSaving = false;
-    this.showForm.set(true);
-  }
-
-  openEditForm(item: YearlyIncome | YearlyBudgetItem): void {
-    this.editingId = item.id;
-    this.formName = item.name;
-    this.formAmount = Number(item.amount);
-    this.formNotes = item.notes;
-    this.formActive = item.active;
-    this.formError = '';
-    this.formSaving = false;
-    this.showForm.set(true);
-  }
-
-  closeForm(): void {
-    this.showForm.set(false);
-    this.editingId = null;
-  }
-
-  saveForm(): void {
-    const name = this.formName.trim();
-    if (!name) { this.formError = 'name_required'; return; }
-    const amount = this.formAmount;
-    if (!amount || amount <= 0) { this.formError = 'amount_invalid'; return; }
-
-    const year = this.selectedYear();
-    const data = { name, amount, notes: this.formNotes, active: this.formActive };
-    const id = this.editingId;
-    const tab = this.activeTab();
-    this.formSaving = true;
-
-    let obs;
-    if (tab === 'incomes') {
-      obs = id
-        ? this.fyService.updateIncome(year, id, data)
-        : this.fyService.createIncome(year, { ...data, member: null });
-    } else {
-      obs = id
-        ? this.fyService.updateBudgetItem(year, id, data)
-        : this.fyService.createBudgetItem(year, data);
-    }
-
-    obs.subscribe({
-      next: () => {
-        this.formSaving = false;
-        this.closeForm();
-        this.reloadCurrentYear();
-      },
-      error: () => {
-        this.formSaving = false;
-        this.formError = 'save_failed';
-      },
-    });
-  }
-
-  // --- Delete ---
-
-  confirmDelete(id: number): void {
-    this.deleteId = id;
-    this.showDeleteModal.set(true);
-  }
-
-  executeDelete(): void {
-    const id = this.deleteId;
-    if (!id) return;
-    const year = this.selectedYear();
-    const tab = this.activeTab();
-    const obs = tab === 'incomes'
-      ? this.fyService.deleteIncome(year, id)
-      : this.fyService.deleteBudgetItem(year, id);
-    obs.subscribe({
-      next: () => {
-        this.showDeleteModal.set(false);
-        this.reloadCurrentYear();
-      },
-    });
-  }
-
-  // --- Household helpers ---
-
-  myMembership(h: Household): HouseholdMembership | undefined {
-    return h.memberships.find(m => m.user_email === this.userEmail);
-  }
-
-  isFounder(h: Household): boolean {
-    return h.created_by_email === this.userEmail;
-  }
-
-  canInvite(h: Household): boolean {
-    const m = this.myMembership(h);
-    return this.isFounder(h) || (m?.status === 'active' && m?.role === 'admin');
-  }
-
-  activeMembers(h: Household): HouseholdMembership[] {
-    return h.memberships.filter(m => m.status !== 'left');
-  }
-
-  // --- Household CRUD ---
-
-  private loadBudgets(): void {
-    this.api.getBudgets().subscribe({ next: (bs) => this.budgets.set(bs) });
-  }
-
-  private loadRevenueAccounts(): void {
-    const fy = this.currentFY();
-    if (fy?.owner_type === 'household' && fy.household_id) {
-      this.fyService.getHouseholdRevenueAccounts(fy.household_id).subscribe({
-        next: (accounts) => this.revenueAccounts.set(accounts),
-      });
-    } else {
-      this.api.getAccounts().subscribe({
-        next: (accounts) => this.revenueAccounts.set(accounts.filter((a) => a.account_type === 'revenue')),
-      });
-    }
-  }
-
-  toggleSalaryMonths(account: any): void {
-    const newMonths = account.salary_months === 13 ? 12 : 13;
-    this.api.patchAccount(account.id, { salary_months: newMonths }).subscribe({
-      next: (updated) => {
-        this.revenueAccounts.update((accounts) =>
-          accounts.map((a) => (a.id === account.id ? { ...a, salary_months: updated.salary_months } : a))
-        );
-      },
-    });
-  }
-
-  private loadHouseholds(): void {
-    this.fyService.getHouseholds().subscribe({ next: (hs) => this.households.set(hs) });
-  }
-
-  createHousehold(): void {
-    const name = this.householdName.trim();
-    if (!name) { this.householdError = 'name_required'; return; }
-    this.householdSaving = true;
-    this.fyService.createHousehold(name).subscribe({
-      next: () => {
-        this.householdSaving = false;
-        this.showCreateHouseholdForm.set(false);
-        this.householdName = '';
-        this.householdError = '';
-        this.loadHouseholds();
-      },
-      error: () => { this.householdSaving = false; this.householdError = 'failed'; },
-    });
-  }
-
-  openInviteForm(householdId: number): void {
-    this.inviteHouseholdId.set(householdId);
-    this.inviteEmail = '';
-    this.inviteError = '';
-    this.inviteSaving = false;
-  }
-
-  sendInvite(pk: number): void {
-    const email = this.inviteEmail.trim();
-    if (!email) { this.inviteError = 'email_required'; return; }
-    this.inviteSaving = true;
-    this.fyService.inviteMember(pk, email).subscribe({
-      next: () => {
-        this.inviteSaving = false;
-        this.inviteHouseholdId.set(null);
-        this.inviteEmail = '';
-        this.loadHouseholds();
-      },
-      error: (err) => {
-        this.inviteSaving = false;
-        const detail = err?.error?.detail ?? '';
-        if (detail.includes('email')) this.inviteError = 'not_found';
-        else if (detail.includes('already')) this.inviteError = 'already_member';
-        else this.inviteError = 'failed';
-      },
-    });
-  }
-
-  acceptInvitation(pk: number): void {
-    this.fyService.acceptInvitation(pk).subscribe({
-      next: () => this.loadHouseholds(),
-    });
-  }
-
-  openLeaveModal(householdId: number): void {
-    this.leaveHouseholdId = householdId;
-    this.showLeaveModal.set(true);
-  }
-
-  confirmLeave(): void {
-    if (!this.leaveHouseholdId) return;
-    this.fyService.leaveHousehold(this.leaveHouseholdId).subscribe({
-      next: () => { this.showLeaveModal.set(false); this.loadHouseholds(); },
-    });
-  }
-
-  toggleMemberRole(pk: number, membership: HouseholdMembership): void {
-    const newRole = membership.role === 'admin' ? 'member' : 'admin';
-    this.fyService.setMemberRole(pk, membership.id, newRole).subscribe({
-      next: () => this.loadHouseholds(),
-    });
-  }
-
-  // --- Formatting ---
-
-  formatChf(val: number): string {
-    return new Intl.NumberFormat('de-CH', { minimumFractionDigits: 0, maximumFractionDigits: 0 }).format(val);
-  }
-
-  perMonth(val: number): number {
-    return Math.round(Number(val) / 12);
-  }
-}

frontend/src/app/insurance/analyse/analyse.html

@@ -0,0 +1,24 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <div>
+    <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'insurance_analyse.title' | translate }}</h1>
+    <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'insurance_analyse.subtitle' | translate }}</p>
+  </div>
+
+  <!-- Coming soon card -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-dashed border-gray-300 dark:border-gray-600 p-12 text-center">
+    <div class="mx-auto w-14 h-14 rounded-full bg-emerald-100 dark:bg-emerald-900/30 flex items-center justify-center mb-4">
+      <svg class="w-7 h-7 text-emerald-600 dark:text-emerald-400" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M10 3v4a1 1 0 0 1-1 1H5m4 8h6m-6-4h6m4-8v16a1 1 0 0 1-1 1H6a1 1 0 0 1-1-1V7.914a1 1 0 0 1 .293-.707l3.914-3.914A1 1 0 0 1 9.914 3H18a1 1 0 0 1 1 1Z"/>
+      </svg>
+    </div>
+    <h2 class="text-base font-semibold text-gray-900 dark:text-white mb-2">{{ 'insurance_analyse.coming_soon_title' | translate }}</h2>
+    <p class="text-sm text-gray-500 dark:text-gray-400 max-w-sm mx-auto">{{ 'insurance_analyse.coming_soon_text' | translate }}</p>
+    <div class="mt-6 flex flex-wrap justify-center gap-2">
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300">{{ 'insurance_analyse.tag_soll' | translate }}</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300">{{ 'insurance_analyse.tag_gaps' | translate }}</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-emerald-100 dark:bg-emerald-900/30 text-emerald-700 dark:text-emerald-300">{{ 'insurance_analyse.tag_recommendations' | translate }}</span>
+    </div>
+  </div>
+
+</div>

frontend/src/app/insurance/analyse/analyse.ts

@@ -0,0 +1,10 @@
+import { Component } from '@angular/core';
+import { TranslateModule } from '@ngx-translate/core';
+
+@Component({
+  selector: 'app-insurance-analyse',
+  standalone: true,
+  imports: [TranslateModule],
+  templateUrl: './analyse.html',
+})
+export class InsuranceAnalyse {}

frontend/src/app/insurance/documents/documents.html

@@ -0,0 +1,25 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <div>
+    <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'insurance_docs.title' | translate }}</h1>
+    <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'insurance_docs.subtitle' | translate }}</p>
+  </div>
+
+  <!-- Coming soon card -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-dashed border-gray-300 dark:border-gray-600 p-12 text-center">
+    <div class="mx-auto w-14 h-14 rounded-full bg-violet-100 dark:bg-violet-900/30 flex items-center justify-center mb-4">
+      <!-- Sparkles / AI icon -->
+      <svg class="w-7 h-7 text-violet-600 dark:text-violet-400" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M9.143 4 7 2m-3 5L2 9m7-3a5 5 0 0 1 5 5m3-7 2-2m-2 7 2 2M5 12a5 5 0 0 0 5 5m0 0 2 2m-2-2-2 2m2-2V9"/>
+      </svg>
+    </div>
+    <h2 class="text-base font-semibold text-gray-900 dark:text-white mb-2">{{ 'insurance_docs.coming_soon_title' | translate }}</h2>
+    <p class="text-sm text-gray-500 dark:text-gray-400 max-w-sm mx-auto">{{ 'insurance_docs.coming_soon_text' | translate }}</p>
+    <div class="mt-6 flex flex-wrap justify-center gap-2">
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">PDF Upload</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">AI / IDP</span>
+      <span class="px-3 py-1 text-xs font-medium rounded-full bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">Claude API</span>
+    </div>
+  </div>
+
+</div>

frontend/src/app/insurance/documents/documents.ts

@@ -0,0 +1,10 @@
+import { Component } from '@angular/core';
+import { TranslateModule } from '@ngx-translate/core';
+
+@Component({
+  selector: 'app-insurance-documents',
+  standalone: true,
+  imports: [TranslateModule],
+  templateUrl: './documents.html',
+})
+export class InsuranceDocuments {}

frontend/src/app/insurance/overview/overview.html

@@ -0,0 +1,302 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <!-- Header -->
+  <div class="flex items-center justify-between">
+    <div>
+      <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'insurance.title' | translate }}</h1>
+      <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'insurance.subtitle' | translate }}</p>
+    </div>
+    <button (click)="openCreate()"
+      class="flex items-center gap-2 px-4 py-2 bg-violet-600 hover:bg-violet-700 text-white text-sm font-medium rounded-lg transition-colors">
+      <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M5 12h14M12 5v14"/>
+      </svg>
+      {{ 'insurance.add' | translate }}
+    </button>
+  </div>
+
+  <!-- KPI Cards -->
+  <div class="grid grid-cols-1 sm:grid-cols-3 gap-4">
+    <!-- Total monthly -->
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">{{ 'insurance.kpi_monthly' | translate }}</p>
+      <p class="mt-2 text-2xl font-bold text-amber-600 dark:text-amber-400">{{ totalMonthly() | number:'1.2-2' }} <span class="text-sm font-normal text-gray-400">CHF</span></p>
+    </div>
+    <!-- Count -->
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">{{ 'insurance.kpi_count' | translate }}</p>
+      <p class="mt-2 text-2xl font-bold text-gray-900 dark:text-white">{{ insurances().length }}</p>
+    </div>
+    <!-- Coverage status -->
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <p class="text-xs font-medium text-gray-500 dark:text-gray-400 uppercase tracking-wide">{{ 'insurance.kpi_covered' | translate }}</p>
+      <p class="mt-2 text-2xl font-bold text-emerald-600 dark:text-emerald-400">
+        {{ coveredTypes().size }} / {{ insuranceTypes.length }}
+      </p>
+    </div>
+  </div>
+
+  <!-- Coverage Checklist -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+    <h2 class="text-sm font-semibold text-gray-700 dark:text-gray-300 mb-4">{{ 'insurance.checklist_title' | translate }}</h2>
+    <div class="grid grid-cols-2 sm:grid-cols-4 gap-3">
+      @for (type of checklist; track type) {
+        <div class="flex items-center gap-2 p-2.5 rounded-lg"
+          [class]="coveredTypes().has(type)
+            ? 'bg-emerald-50 dark:bg-emerald-900/20 border border-emerald-200 dark:border-emerald-800'
+            : 'bg-amber-50 dark:bg-amber-900/20 border border-amber-200 dark:border-amber-800'">
+          @if (coveredTypes().has(type)) {
+            <svg class="w-4 h-4 text-emerald-600 dark:text-emerald-400 flex-shrink-0" fill="currentColor" viewBox="0 0 20 20">
+              <path fill-rule="evenodd" d="M10 18a8 8 0 100-16 8 8 0 000 16zm3.707-9.293a1 1 0 00-1.414-1.414L9 10.586 7.707 9.293a1 1 0 00-1.414 1.414l2 2a1 1 0 001.414 0l4-4z" clip-rule="evenodd"/>
+            </svg>
+          } @else {
+            <svg class="w-4 h-4 text-amber-500 dark:text-amber-400 flex-shrink-0" fill="currentColor" viewBox="0 0 20 20">
+              <path fill-rule="evenodd" d="M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z" clip-rule="evenodd"/>
+            </svg>
+          }
+          <span class="text-xs font-medium"
+            [class]="coveredTypes().has(type)
+              ? 'text-emerald-700 dark:text-emerald-300'
+              : 'text-amber-700 dark:text-amber-300'">
+            {{ ('insurance.types.' + type) | translate }}
+          </span>
+        </div>
+      }
+    </div>
+    <p class="mt-3 text-xs text-gray-400 dark:text-gray-500">{{ 'insurance.checklist_hint' | translate }}</p>
+  </div>
+
+  <!-- Insurance List -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 overflow-hidden">
+    <div class="px-5 py-4 border-b border-gray-100 dark:border-gray-700">
+      <h2 class="text-sm font-semibold text-gray-700 dark:text-gray-300">{{ 'insurance.list_title' | translate }}</h2>
+    </div>
+
+    @if (loading()) {
+      <div class="py-12 text-center text-sm text-gray-400">{{ 'insurance.loading' | translate }}</div>
+    } @else if (insurances().length === 0) {
+      <div class="py-12 text-center">
+        <svg class="mx-auto w-10 h-10 text-gray-300 dark:text-gray-600 mb-3" fill="currentColor" viewBox="0 0 20 20">
+          <path fill-rule="evenodd" d="M10 1.944A11.954 11.954 0 012.166 5C2.056 5.649 2 6.319 2 7c0 5.225 3.34 9.67 8 11.317C14.66 16.67 18 12.225 18 7c0-.682-.057-1.35-.166-2.001A11.954 11.954 0 0110 1.944z" clip-rule="evenodd"/>
+        </svg>
+        <p class="text-sm text-gray-500 dark:text-gray-400">{{ 'insurance.no_entries' | translate }}</p>
+      </div>
+    } @else {
+      <div class="divide-y divide-gray-100 dark:divide-gray-700">
+        @for (ins of insurances(); track ins.id) {
+          <div class="flex items-center justify-between px-5 py-4 hover:bg-gray-50 dark:hover:bg-gray-700/50 transition-colors">
+            <div class="flex items-center gap-4 min-w-0">
+              <!-- Type badge -->
+              <span class="shrink-0 px-2.5 py-1 rounded-full text-xs font-medium bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">
+                {{ ('insurance.types.' + ins.insurance_type) | translate }}
+              </span>
+              <div class="min-w-0">
+                <p class="text-sm font-semibold text-gray-900 dark:text-white truncate">{{ ins.insurer }}</p>
+                @if (ins.policy_number) {
+                  <p class="text-xs text-gray-400 dark:text-gray-500">{{ ins.policy_number }}</p>
+                }
+              </div>
+            </div>
+            <div class="flex items-center gap-6 shrink-0 ml-4">
+              <!-- Premium -->
+              <div class="text-right hidden sm:block">
+                <p class="text-sm font-semibold text-amber-600 dark:text-amber-400">{{ ins.premium | number:'1.2-2' }} CHF</p>
+                <p class="text-xs text-gray-400">{{ ('insurance.period.' + ins.premium_period) | translate }}</p>
+              </div>
+              <!-- Monthly equivalent -->
+              <div class="text-right">
+                <p class="text-xs text-gray-500 dark:text-gray-400">{{ monthlyEquivalent(ins) | number:'1.2-2' }} CHF/{{ 'insurance.month_short' | translate }}</p>
+              </div>
+              <!-- Actions -->
+              <div class="flex items-center gap-1">
+                <button (click)="openEdit(ins)"
+                  class="p-1.5 text-gray-400 hover:text-violet-600 dark:hover:text-violet-400 rounded-lg hover:bg-gray-100 dark:hover:bg-gray-700 transition-colors">
+                  <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+                    <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m14.304 4.844 2.852 2.852M7 7H4a1 1 0 0 0-1 1v10a1 1 0 0 0 1 1h11a1 1 0 0 0 1-1v-4.5m2.409-9.91a2.017 2.017 0 0 1 0 2.853l-6.845 6.845L8 14l.713-3.564 6.844-6.846a2.015 2.015 0 0 1 2.852 0Z"/>
+                  </svg>
+                </button>
+                <button (click)="confirmDelete(ins)"
+                  class="p-1.5 text-gray-400 hover:text-red-600 dark:hover:text-red-400 rounded-lg hover:bg-gray-100 dark:hover:bg-gray-700 transition-colors">
+                  <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+                    <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M5 7h14m-9 3v8m4-8v8M10 3h4a1 1 0 0 1 1 1v3H9V4a1 1 0 0 1 1-1ZM6 7h12v13a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V7Z"/>
+                  </svg>
+                </button>
+              </div>
+            </div>
+          </div>
+        }
+      </div>
+    }
+  </div>
+
+</div>
+
+<!-- Create / Edit Modal -->
+@if (showModal()) {
+  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
+    <div class="bg-white dark:bg-gray-800 rounded-2xl shadow-xl w-full max-w-lg max-h-[90vh] overflow-y-auto">
+      <div class="flex items-center justify-between px-6 py-4 border-b border-gray-100 dark:border-gray-700">
+        <h2 class="text-base font-semibold text-gray-900 dark:text-white">
+          {{ (editTarget() ? 'insurance.edit_title' : 'insurance.create_title') | translate }}
+        </h2>
+        <button (click)="closeModal()" class="text-gray-400 hover:text-gray-600 dark:hover:text-gray-300">
+          <svg class="w-5 h-5" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M6 18 17.94 6M18 18 6.06 6"/>
+          </svg>
+        </button>
+      </div>
+
+      <div class="px-6 py-5 space-y-4">
+        <!-- Type -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_type' | translate }}</label>
+          <select
+            [ngModel]="form().insurance_type"
+            (ngModelChange)="setField('insurance_type', $event)"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500">
+            @for (type of insuranceTypes; track type) {
+              <option [value]="type">{{ ('insurance.types.' + type) | translate }}</option>
+            }
+          </select>
+        </div>
+
+        <!-- Insurer -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_insurer' | translate }}</label>
+          <input type="text"
+            [ngModel]="form().insurer"
+            (ngModelChange)="setField('insurer', $event)"
+            [placeholder]="'insurance.placeholder_insurer' | translate"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+        </div>
+
+        <!-- Policy number -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+            {{ 'insurance.label_policy_number' | translate }}
+            <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+          </label>
+          <input type="text"
+            [ngModel]="form().policy_number"
+            (ngModelChange)="setField('policy_number', $event)"
+            [placeholder]="'insurance.placeholder_policy_number' | translate"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+        </div>
+
+        <!-- Premium + Period -->
+        <div class="grid grid-cols-2 gap-3">
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_premium' | translate }}</label>
+            <input type="number" min="0" step="0.01"
+              [ngModel]="form().premium"
+              (ngModelChange)="setField('premium', $event)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">{{ 'insurance.label_period' | translate }}</label>
+            <select
+              [ngModel]="form().premium_period"
+              (ngModelChange)="setField('premium_period', $event)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500">
+              @for (p of periodChoices; track p) {
+                <option [value]="p">{{ ('insurance.period.' + p) | translate }}</option>
+              }
+            </select>
+          </div>
+        </div>
+
+        <!-- Coverage amount + Deductible -->
+        <div class="grid grid-cols-2 gap-3">
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_coverage' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="number" min="0" step="100"
+              [ngModel]="form().coverage_amount"
+              (ngModelChange)="setField('coverage_amount', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_deductible' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="number" min="0" step="50"
+              [ngModel]="form().deductible"
+              (ngModelChange)="setField('deductible', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+        </div>
+
+        <!-- Valid from / until -->
+        <div class="grid grid-cols-2 gap-3">
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_valid_from' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="date"
+              [ngModel]="form().valid_from"
+              (ngModelChange)="setField('valid_from', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+          <div>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+              {{ 'insurance.label_valid_until' | translate }}
+              <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+            </label>
+            <input type="date"
+              [ngModel]="form().valid_until"
+              (ngModelChange)="setField('valid_until', $event || null)"
+              class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500" />
+          </div>
+        </div>
+
+        <!-- Notes -->
+        <div>
+          <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-1.5">
+            {{ 'insurance.label_notes' | translate }}
+            <span class="text-gray-400 font-normal">({{ 'common.optional' | translate }})</span>
+          </label>
+          <textarea rows="2"
+            [ngModel]="form().notes"
+            (ngModelChange)="setField('notes', $event)"
+            class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500 resize-none"></textarea>
+        </div>
+      </div>
+
+      <!-- Footer -->
+      <div class="px-6 py-4 border-t border-gray-100 dark:border-gray-700 flex justify-end gap-3">
+        <button (click)="closeModal()"
+          class="px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-300 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors">
+          {{ 'common.cancel' | translate }}
+        </button>
+        <button (click)="save()" [disabled]="saving()"
+          class="px-4 py-2 text-sm font-medium text-white bg-violet-600 hover:bg-violet-700 disabled:opacity-60 rounded-lg transition-colors">
+          {{ saving() ? ('common.save' | translate) + '...' : ('common.save_changes' | translate) }}
+        </button>
+      </div>
+    </div>
+  </div>
+}
+
+<!-- Delete confirm -->
+@if (deleteTarget()) {
+  <div class="fixed inset-0 z-50 flex items-center justify-center bg-black/50 backdrop-blur-sm p-4">
+    <div class="bg-white dark:bg-gray-800 rounded-2xl shadow-xl w-full max-w-sm p-6">
+      <h2 class="text-base font-semibold text-gray-900 dark:text-white mb-2">{{ 'common.delete_confirm_title' | translate }}</h2>
+      <p class="text-sm text-gray-500 dark:text-gray-400 mb-6">{{ 'common.delete_confirm_text' | translate }}</p>
+      <div class="flex justify-end gap-3">
+        <button (click)="cancelDelete()"
+          class="px-4 py-2 text-sm font-medium text-gray-700 dark:text-gray-300 bg-white dark:bg-gray-700 border border-gray-300 dark:border-gray-600 rounded-lg hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors">
+          {{ 'common.cancel' | translate }}
+        </button>
+        <button (click)="executeDelete()"
+          class="px-4 py-2 text-sm font-medium text-white bg-red-600 hover:bg-red-700 rounded-lg transition-colors">
+          {{ 'common.delete' | translate }}
+        </button>
+      </div>
+    </div>
+  </div>
+}

frontend/src/app/insurance/overview/overview.ts

@@ -0,0 +1,163 @@
+import { Component, OnInit, signal, computed } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { TranslateModule, TranslateService } from '@ngx-translate/core';
+import { ApiService } from '../../services/api';
+
+export interface Insurance {
+  id?: number;
+  insurance_type: string;
+  insurer: string;
+  policy_number: string;
+  premium: number;
+  premium_period: string;
+  coverage_amount: number | null;
+  deductible: number | null;
+  valid_from: string | null;
+  valid_until: string | null;
+  notes: string;
+}
+
+export const INSURANCE_TYPES = [
+  'kvg', 'kk_zusatz', 'nbu', 'haftpflicht', 'hausrat',
+  'mfz', 'rechtsschutz', 'saule_3a', 'leben', 'reise', 'other',
+];
+
+export const PERIOD_CHOICES = ['monthly', 'quarterly', 'semi_annual', 'annual'];
+
+// Monthly premium factor for each period
+const PERIOD_TO_MONTHLY: Record<string, number> = {
+  monthly: 1,
+  quarterly: 1 / 3,
+  semi_annual: 1 / 6,
+  annual: 1 / 12,
+};
+
+// Swiss recommended coverage checklist
+export const SWISS_COVERAGE_CHECKLIST = [
+  'kvg', 'haftpflicht', 'hausrat', 'nbu',
+];
+
+@Component({
+  selector: 'app-insurance-overview',
+  standalone: true,
+  imports: [CommonModule, FormsModule, TranslateModule],
+  templateUrl: './overview.html',
+})
+export class InsuranceOverview implements OnInit {
+  insurances = signal<Insurance[]>([]);
+  loading = signal(true);
+  saving = signal(false);
+  showModal = signal(false);
+  deleteTarget = signal<Insurance | null>(null);
+  editTarget = signal<Insurance | null>(null);
+
+  form = signal<Insurance>({
+    insurance_type: 'kvg',
+    insurer: '',
+    policy_number: '',
+    premium: 0,
+    premium_period: 'monthly',
+    coverage_amount: null,
+    deductible: null,
+    valid_from: null,
+    valid_until: null,
+    notes: '',
+  });
+
+  readonly insuranceTypes = INSURANCE_TYPES;
+  readonly periodChoices = PERIOD_CHOICES;
+  readonly checklist = SWISS_COVERAGE_CHECKLIST;
+
+  // KPI: total monthly premium across all insurances
+  totalMonthly = computed(() =>
+    this.insurances().reduce((sum, ins) => {
+      const factor = PERIOD_TO_MONTHLY[ins.premium_period] ?? 1;
+      return sum + (Number(ins.premium) * factor);
+    }, 0)
+  );
+
+  // Which checklist items are covered
+  coveredTypes = computed(() => new Set(this.insurances().map(i => i.insurance_type)));
+
+  constructor(private api: ApiService) {}
+
+  ngOnInit() {
+    this.load();
+  }
+
+  load() {
+    this.loading.set(true);
+    this.api.getInsurances().subscribe({
+      next: (data) => { this.insurances.set(data); this.loading.set(false); },
+      error: () => this.loading.set(false),
+    });
+  }
+
+  openCreate() {
+    this.editTarget.set(null);
+    this.form.set({
+      insurance_type: 'kvg',
+      insurer: '',
+      policy_number: '',
+      premium: 0,
+      premium_period: 'monthly',
+      coverage_amount: null,
+      deductible: null,
+      valid_from: null,
+      valid_until: null,
+      notes: '',
+    });
+    this.showModal.set(true);
+  }
+
+  openEdit(ins: Insurance) {
+    this.editTarget.set(ins);
+    this.form.set({ ...ins });
+    this.showModal.set(true);
+  }
+
+  closeModal() {
+    this.showModal.set(false);
+    this.editTarget.set(null);
+  }
+
+  save() {
+    const data = this.form();
+    this.saving.set(true);
+    const target = this.editTarget();
+    const req = target?.id
+      ? this.api.updateInsurance(target.id, data)
+      : this.api.createInsurance(data);
+    req.subscribe({
+      next: () => { this.saving.set(false); this.closeModal(); this.load(); },
+      error: () => this.saving.set(false),
+    });
+  }
+
+  confirmDelete(ins: Insurance) {
+    this.deleteTarget.set(ins);
+  }
+
+  cancelDelete() {
+    this.deleteTarget.set(null);
+  }
+
+  executeDelete() {
+    const target = this.deleteTarget();
+    if (!target?.id) return;
+    this.api.deleteInsurance(target.id).subscribe({
+      next: () => { this.deleteTarget.set(null); this.load(); },
+    });
+  }
+
+  // Form helpers — signal-form pattern
+  setField<K extends keyof Insurance>(key: K, value: Insurance[K]) {
+    this.form.update(f => ({ ...f, [key]: value }));
+  }
+
+  monthlyEquivalent(ins: Insurance): number {
+    const factor = PERIOD_TO_MONTHLY[ins.premium_period] ?? 1;
+    return Number(ins.premium) * factor;
+  }
+}

frontend/src/app/insurance/priminfo/priminfo.html

@@ -0,0 +1,382 @@
+<div class="p-4 sm:p-6 space-y-6">
+
+  <!-- Header -->
+  <div class="flex items-start justify-between gap-4">
+    <div>
+      <h1 class="text-2xl font-bold text-gray-900 dark:text-white">{{ 'priminfo.title' | translate }}</h1>
+      <p class="text-sm text-gray-500 dark:text-gray-400 mt-0.5">{{ 'priminfo.subtitle' | translate }}</p>
+    </div>
+    <button (click)="openPriminfo()"
+      class="shrink-0 flex items-center gap-2 px-3 py-2 text-sm font-medium text-violet-700 dark:text-violet-300 bg-violet-50 dark:bg-violet-900/20 border border-violet-200 dark:border-violet-800 rounded-lg hover:bg-violet-100 dark:hover:bg-violet-900/40 transition-colors">
+      <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M18 14v4.833A1.166 1.166 0 0 1 16.833 20H5.167A1.167 1.167 0 0 1 4 18.833V7.167A1.166 1.166 0 0 1 5.167 6h4.618m4.447-2H20v5.768m-7.889 2.121 7.778-7.778"/>
+      </svg>
+      priminfo.admin.ch
+    </button>
+  </div>
+
+  <!-- ── Section 1: PLZ → Ø-Prämien ───────────────────────────────── -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+    <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-3">
+      {{ 'priminfo.plz_label' | translate }}
+    </label>
+    <div class="flex gap-3">
+      <input
+        type="text"
+        inputmode="numeric"
+        maxlength="4"
+        [ngModel]="plzInput()"
+        (ngModelChange)="plzInput.set($event)"
+        (keydown)="onKeydown($event)"
+        [placeholder]="'priminfo.plz_placeholder' | translate"
+        class="block w-40 rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2.5 focus:ring-2 focus:ring-violet-500 focus:border-violet-500 font-mono tracking-widest" />
+      <button (click)="search()" [disabled]="loading() || plzInput().trim().length < 4"
+        class="flex items-center gap-2 px-4 py-2.5 bg-violet-600 hover:bg-violet-700 disabled:opacity-50 text-white text-sm font-medium rounded-lg transition-colors">
+        @if (loading()) {
+          <svg class="w-4 h-4 animate-spin" fill="none" viewBox="0 0 24 24">
+            <circle class="opacity-25" cx="12" cy="12" r="10" stroke="currentColor" stroke-width="4"></circle>
+            <path class="opacity-75" fill="currentColor" d="M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4z"></path>
+          </svg>
+        } @else {
+          <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-width="2" d="m21 21-3.5-3.5M17 11A6 6 0 1 1 5 11a6 6 0 0 1 12 0Z"/>
+          </svg>
+        }
+        {{ 'priminfo.search' | translate }}
+      </button>
+    </div>
+    <p class="mt-2 text-xs text-gray-400 dark:text-gray-500">{{ 'priminfo.plz_hint' | translate }}</p>
+  </div>
+
+  <!-- Error (PLZ search) -->
+  @if (error()) {
+    <div class="bg-amber-50 dark:bg-amber-900/20 border border-amber-200 dark:border-amber-800 rounded-xl p-4 flex items-start gap-3">
+      <svg class="w-5 h-5 text-amber-500 flex-shrink-0 mt-0.5" fill="currentColor" viewBox="0 0 20 20">
+        <path fill-rule="evenodd" d="M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z" clip-rule="evenodd"/>
+      </svg>
+      <p class="text-sm text-amber-700 dark:text-amber-300">{{ 'priminfo.error_not_found' | translate }}</p>
+    </div>
+  }
+
+  <!-- Ø-Prämien Results -->
+  @if (results().length > 0) {
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+      <div class="flex items-center gap-3 mb-4">
+        <div class="w-8 h-8 rounded-full bg-violet-100 dark:bg-violet-900/30 flex items-center justify-center">
+          <svg class="w-4 h-4 text-violet-600 dark:text-violet-400" fill="currentColor" viewBox="0 0 20 20">
+            <path fill-rule="evenodd" d="M5.05 4.05a7 7 0 119.9 9.9L10 18.9l-4.95-4.95a7 7 0 010-9.9zM10 11a2 2 0 100-4 2 2 0 000 4z" clip-rule="evenodd"/>
+          </svg>
+        </div>
+        <div>
+          <p class="text-sm font-semibold text-gray-900 dark:text-white">
+            {{ results()[0].plz }} {{ results()[0].ort }}
+          </p>
+          <p class="text-xs text-gray-500 dark:text-gray-400">
+            {{ results()[0].kanton }} · {{ results()[0].bezirk }}
+          </p>
+        </div>
+        <div class="ml-auto">
+          <span class="px-2.5 py-1 rounded-full text-xs font-medium bg-violet-100 dark:bg-violet-900/30 text-violet-700 dark:text-violet-300">
+            {{ 'priminfo.region_label' | translate }} {{ results()[0].region }}
+          </span>
+        </div>
+      </div>
+
+      @if (results().length > 1) {
+        <div class="mb-4 px-3 py-2 bg-amber-50 dark:bg-amber-900/20 rounded-lg border border-amber-200 dark:border-amber-800">
+          <p class="text-xs text-amber-700 dark:text-amber-300">{{ 'priminfo.multi_ort_hint' | translate }}</p>
+        </div>
+      }
+
+      @for (entry of uniqueRegions(); track entry.region + entry.kanton) {
+        <div class="mb-4 last:mb-0">
+          @if (uniqueRegions().length > 1) {
+            <p class="text-xs font-semibold text-gray-500 dark:text-gray-400 mb-2 uppercase tracking-wide">
+              {{ entry.gemeinde }} — {{ 'priminfo.region_label' | translate }} {{ entry.region }}
+            </p>
+          }
+          <div class="grid grid-cols-3 gap-3">
+            <div class="bg-gray-50 dark:bg-gray-700/50 rounded-lg p-3 text-center">
+              <p class="text-xs text-gray-500 dark:text-gray-400 mb-1">{{ 'priminfo.col_child' | translate }}</p>
+              <p class="text-lg font-bold text-emerald-600 dark:text-emerald-400">{{ entry.avg_child | number:'1.2-2' }}</p>
+              <p class="text-xs text-gray-400">CHF/{{ 'priminfo.month' | translate }}</p>
+            </div>
+            <div class="bg-gray-50 dark:bg-gray-700/50 rounded-lg p-3 text-center">
+              <p class="text-xs text-gray-500 dark:text-gray-400 mb-1">{{ 'priminfo.col_young' | translate }}</p>
+              <p class="text-lg font-bold text-amber-600 dark:text-amber-400">{{ entry.avg_young_adult | number:'1.2-2' }}</p>
+              <p class="text-xs text-gray-400">CHF/{{ 'priminfo.month' | translate }}</p>
+            </div>
+            <div class="bg-gray-50 dark:bg-gray-700/50 rounded-lg p-3 text-center">
+              <p class="text-xs text-gray-500 dark:text-gray-400 mb-1">{{ 'priminfo.col_adult' | translate }}</p>
+              <p class="text-lg font-bold text-violet-600 dark:text-violet-400">{{ entry.avg_adult | number:'1.2-2' }}</p>
+              <p class="text-xs text-gray-400">CHF/{{ 'priminfo.month' | translate }}</p>
+            </div>
+          </div>
+        </div>
+      }
+
+      <p class="mt-4 text-xs text-gray-400 dark:text-gray-500">
+        {{ 'priminfo.disclaimer' | translate : { year: dataYear() } }}
+      </p>
+    </div>
+  } @else if (searched() && !loading() && !error()) {
+    <div class="text-center py-10 text-sm text-gray-400">{{ 'priminfo.no_results' | translate }}</div>
+  }
+
+  <!-- ── Section 2: Versicherer-Vergleich ─────────────────────────── -->
+  <div class="bg-white dark:bg-gray-800 rounded-xl border border-emerald-200 dark:border-emerald-800 p-5">
+
+    <!-- Card header -->
+    <div class="flex items-center gap-3 mb-5">
+      <div class="w-8 h-8 rounded-full bg-emerald-100 dark:bg-emerald-900/30 flex items-center justify-center">
+        <svg class="w-4 h-4 text-emerald-600 dark:text-emerald-400" fill="currentColor" viewBox="0 0 24 24">
+          <path fill-rule="evenodd" d="M11.644 3.066a1 1 0 0 1 .712 0l7 2.666A1 1 0 0 1 20 6.68a17.694 17.694 0 0 1-2.023 7.98 17.406 17.406 0 0 1-5.402 6.158 1 1 0 0 1-1.15 0 17.405 17.405 0 0 1-5.403-6.157A17.695 17.695 0 0 1 4 6.68a1 1 0 0 1 .644-.949l7-2.666Zm4.014 7.187a1 1 0 0 0-1.316-1.506l-3.296 2.884-.839-.838a1 1 0 0 0-1.414 1.414l1.5 1.5a1 1 0 0 0 1.366.046l4-3.5Z" clip-rule="evenodd"/>
+        </svg>
+      </div>
+      <div>
+        <h2 class="text-sm font-semibold text-gray-900 dark:text-white">{{ 'priminfo.vergleich_card_title' | translate }}</h2>
+        <p class="text-xs text-gray-500 dark:text-gray-400">{{ 'priminfo.vergleich_card_subtitle' | translate }}</p>
+      </div>
+    </div>
+
+    <!-- Filter grid -->
+    <div class="grid grid-cols-1 sm:grid-cols-2 gap-4">
+
+      <!-- Geburtsjahr -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.geburtsjahr_label' | translate }}
+        </label>
+        <div class="flex items-center gap-2">
+          <input
+            type="text"
+            inputmode="numeric"
+            maxlength="4"
+            [ngModel]="geburtsjahrInput()"
+            (ngModelChange)="onGeburtsjahrChange($event)"
+            [placeholder]="'priminfo.geburtsjahr_placeholder' | translate"
+            class="block w-28 rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2 focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500 font-mono tracking-widest" />
+          @if (ageClass()) {
+            <span class="inline-flex items-center px-2 py-0.5 rounded text-xs font-medium"
+              [class]="ageClass() === 'AKL-KIN' ? 'bg-sky-100 text-sky-700 dark:bg-sky-900/30 dark:text-sky-300' :
+                       ageClass() === 'AKL-JUG' ? 'bg-amber-100 text-amber-700 dark:bg-amber-900/30 dark:text-amber-300' :
+                       'bg-emerald-100 text-emerald-700 dark:bg-emerald-900/30 dark:text-emerald-300'">
+              @if (ageClass() === 'AKL-KIN') { {{ 'priminfo.age_child' | translate }} }
+              @else if (ageClass() === 'AKL-JUG') { {{ 'priminfo.age_young' | translate }} }
+              @else { {{ 'priminfo.age_adult' | translate }} }
+            </span>
+          }
+        </div>
+      </div>
+
+      <!-- Versicherungsmodell -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.modell_label' | translate }}
+        </label>
+        <select
+          [ngModel]="tariftyp()"
+          (ngModelChange)="tariftyp.set($event)"
+          class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2 focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500">
+          <option value="TAR-BASE">{{ 'priminfo.modell_base' | translate }}</option>
+          <option value="TAR-HAM">{{ 'priminfo.modell_ham' | translate }}</option>
+          <option value="TAR-HMO">{{ 'priminfo.modell_hmo' | translate }}</option>
+          <option value="TAR-DIV">{{ 'priminfo.modell_div' | translate }}</option>
+        </select>
+      </div>
+
+      <!-- Franchise -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.franchise_label' | translate }}
+        </label>
+        <select
+          [ngModel]="franchisestufe()"
+          (ngModelChange)="franchisestufe.set($event)"
+          class="block w-full rounded-lg border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-700 text-sm text-gray-900 dark:text-white px-3 py-2 focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500">
+          @for (opt of franchiseOptions(); track opt.code) {
+            <option [value]="opt.code">{{ opt.label }}</option>
+          }
+        </select>
+      </div>
+
+      <!-- Unfalldeckung -->
+      <div>
+        <label class="block text-xs font-medium text-gray-600 dark:text-gray-400 mb-1.5">
+          {{ 'priminfo.unfall_label' | translate }}
+        </label>
+        <div class="flex rounded-lg border border-gray-300 dark:border-gray-600 overflow-hidden">
+          <button type="button"
+            (click)="unfall.set('OHN-UNF')"
+            [class]="unfall() === 'OHN-UNF'
+              ? 'flex-1 px-3 py-2 text-xs font-medium bg-emerald-600 text-white transition-colors'
+              : 'flex-1 px-3 py-2 text-xs font-medium bg-white dark:bg-gray-700 text-gray-700 dark:text-gray-300 hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors'">
+            {{ 'priminfo.unfall_ohn' | translate }}
+          </button>
+          <button type="button"
+            (click)="unfall.set('MIT-UNF')"
+            [class]="unfall() === 'MIT-UNF'
+              ? 'flex-1 px-3 py-2 text-xs font-medium bg-emerald-600 text-white border-l border-gray-300 dark:border-gray-600 transition-colors'
+              : 'flex-1 px-3 py-2 text-xs font-medium bg-white dark:bg-gray-700 text-gray-700 dark:text-gray-300 border-l border-gray-300 dark:border-gray-600 hover:bg-gray-50 dark:hover:bg-gray-600 transition-colors'">
+            {{ 'priminfo.unfall_mit' | translate }}
+          </button>
+        </div>
+      </div>
+    </div>
+
+    <!-- Unfall note -->
+    <p class="mt-3 text-xs text-gray-400 dark:text-gray-500 flex items-start gap-1.5">
+      <svg class="w-3.5 h-3.5 mt-0.5 flex-shrink-0 text-gray-400" fill="currentColor" viewBox="0 0 20 20">
+        <path fill-rule="evenodd" d="M18 10a8 8 0 11-16 0 8 8 0 0116 0zm-7-4a1 1 0 11-2 0 1 1 0 012 0zM9 9a1 1 0 000 2v3a1 1 0 001 1h1a1 1 0 100-2v-3a1 1 0 00-1-1H9z" clip-rule="evenodd"/>
+      </svg>
+      {{ 'priminfo.unfall_note' | translate }}
+    </p>
+
+    <!-- Vergleichen button -->
+    <div class="mt-4 flex items-center gap-3">
+      <button (click)="searchVergleich()"
+        [disabled]="!canVergleich() || vergleichLoading()"
+        class="flex items-center gap-2 px-4 py-2.5 bg-emerald-600 hover:bg-emerald-700 disabled:opacity-50 disabled:cursor-not-allowed text-white text-sm font-medium rounded-lg transition-colors">
+        @if (vergleichLoading()) {
+          <svg class="w-4 h-4 animate-spin" fill="none" viewBox="0 0 24 24">
+            <circle class="opacity-25" cx="12" cy="12" r="10" stroke="currentColor" stroke-width="4"></circle>
+            <path class="opacity-75" fill="currentColor" d="M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4z"></path>
+          </svg>
+        } @else {
+          <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M3 7h13m0 0a3 3 0 1 1 6 0 3 3 0 0 1-6 0Zm6 7H4m0 0a3 3 0 1 0-6 0 3 3 0 0 0 6 0Z"/>
+          </svg>
+        }
+        {{ 'priminfo.vergleich_btn' | translate }}
+      </button>
+      @if (!canVergleich() && !vergleichLoading()) {
+        <p class="text-xs text-gray-400 dark:text-gray-500">{{ 'priminfo.plz_hint' | translate }} + {{ 'priminfo.geburtsjahr_label' | translate | lowercase }}</p>
+      }
+    </div>
+  </div>
+
+  <!-- Vergleich Error -->
+  @if (vergleichError()) {
+    <div class="bg-amber-50 dark:bg-amber-900/20 border border-amber-200 dark:border-amber-800 rounded-xl p-4 flex items-start gap-3">
+      <svg class="w-5 h-5 text-amber-500 flex-shrink-0 mt-0.5" fill="currentColor" viewBox="0 0 20 20">
+        <path fill-rule="evenodd" d="M8.257 3.099c.765-1.36 2.722-1.36 3.486 0l5.58 9.92c.75 1.334-.213 2.98-1.742 2.98H4.42c-1.53 0-2.493-1.646-1.743-2.98l5.58-9.92zM11 13a1 1 0 11-2 0 1 1 0 012 0zm-1-8a1 1 0 00-1 1v3a1 1 0 002 0V6a1 1 0 00-1-1z" clip-rule="evenodd"/>
+      </svg>
+      <p class="text-sm text-amber-700 dark:text-amber-300">{{ 'priminfo.error_not_found' | translate }}</p>
+    </div>
+  }
+
+  <!-- Vergleich Results Table -->
+  @if (vergleichResults().length > 0) {
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-emerald-200 dark:border-emerald-800 overflow-hidden">
+
+      <!-- Table header bar -->
+      <div class="px-5 py-3 border-b border-emerald-100 dark:border-emerald-900 bg-emerald-50 dark:bg-emerald-900/20 flex items-center justify-between gap-3 flex-wrap">
+        <div class="flex items-center gap-2 text-sm font-semibold text-emerald-900 dark:text-emerald-200">
+          <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+            <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M3 7h13m0 0a3 3 0 1 1 6 0 3 3 0 0 1-6 0Zm6 7H4m0 0a3 3 0 1 0-6 0 3 3 0 0 0 6 0Z"/>
+          </svg>
+          {{ vergleichMeta()?.ort }} · {{ 'priminfo.region_label' | translate }} {{ vergleichMeta()?.region }}
+        </div>
+        <div class="flex items-center gap-2 flex-wrap">
+          <span class="px-2 py-0.5 rounded text-xs font-medium bg-emerald-100 dark:bg-emerald-900/40 text-emerald-700 dark:text-emerald-300">
+            {{ 'priminfo.vergleich_data_year' | translate : { year: vergleichMeta()?.data_year } }}
+          </span>
+          <span class="text-xs text-emerald-700 dark:text-emerald-300">
+            {{ vergleichResults().length }} {{ 'priminfo.vergleich_hint' | translate }}
+          </span>
+        </div>
+      </div>
+
+      <!-- Scrollable table -->
+      <div class="overflow-x-auto">
+        <table class="w-full text-sm">
+          <thead>
+            <tr class="border-b border-gray-100 dark:border-gray-700">
+              <th class="px-4 py-3 text-left text-xs font-semibold text-gray-500 dark:text-gray-400 w-8">{{ 'priminfo.col_rank' | translate }}</th>
+              <th class="px-4 py-3 text-left text-xs font-semibold text-gray-500 dark:text-gray-400">{{ 'priminfo.col_insurer' | translate }}</th>
+              <th class="px-4 py-3 text-left text-xs font-semibold text-gray-500 dark:text-gray-400 hidden sm:table-cell">{{ 'priminfo.col_model' | translate }}</th>
+              <th class="px-4 py-3 text-right text-xs font-semibold text-gray-500 dark:text-gray-400 hidden sm:table-cell">{{ 'priminfo.col_franchise' | translate }}</th>
+              <th class="px-4 py-3 text-right text-xs font-semibold text-gray-500 dark:text-gray-400">{{ 'priminfo.col_premium' | translate }}</th>
+            </tr>
+          </thead>
+          <tbody class="divide-y divide-gray-50 dark:divide-gray-700/50">
+            @for (r of vergleichResults(); track r.versicherer_id; let i = $index) {
+              <tr [class]="isCheapest(r.praemie)
+                  ? 'bg-emerald-50 dark:bg-emerald-900/10'
+                  : 'hover:bg-gray-50 dark:hover:bg-gray-700/30 transition-colors'">
+                <td class="px-4 py-3 text-xs text-gray-400 dark:text-gray-500 font-mono">{{ i + 1 }}</td>
+                <td class="px-4 py-3">
+                  <div class="flex items-center gap-2 flex-wrap">
+                    <span [class]="isCheapest(r.praemie)
+                        ? 'font-semibold text-emerald-700 dark:text-emerald-300'
+                        : 'text-gray-800 dark:text-gray-200'">
+                      {{ r.versicherer_name }}
+                    </span>
+                    @if (isCheapest(r.praemie)) {
+                      <span class="inline-flex items-center gap-1 px-1.5 py-0.5 rounded text-xs font-medium bg-emerald-100 dark:bg-emerald-900/40 text-emerald-700 dark:text-emerald-300">
+                        <svg class="w-3 h-3" fill="currentColor" viewBox="0 0 20 20">
+                          <path fill-rule="evenodd" d="M10 18a8 8 0 100-16 8 8 0 000 16zm3.707-9.293a1 1 0 00-1.414-1.414L9 10.586 7.707 9.293a1 1 0 00-1.414 1.414l2 2a1 1 0 001.414 0l4-4z" clip-rule="evenodd"/>
+                        </svg>
+                        {{ 'priminfo.cheapest_badge' | translate }}
+                      </span>
+                    }
+                  </div>
+                </td>
+                <td class="px-4 py-3 text-xs text-gray-500 dark:text-gray-400 hidden sm:table-cell max-w-[180px] truncate">
+                  {{ r.tarifbezeichnung }}
+                </td>
+                <td class="px-4 py-3 text-xs text-gray-500 dark:text-gray-400 text-right hidden sm:table-cell">
+                  CHF {{ r.franchise_chf }}
+                </td>
+                <td class="px-4 py-3 text-right">
+                  <span [class]="isCheapest(r.praemie)
+                      ? 'text-base font-bold text-emerald-700 dark:text-emerald-300'
+                      : 'text-sm font-semibold text-gray-800 dark:text-gray-200'">
+                    {{ r.praemie | number:'1.2-2' }}
+                  </span>
+                  <span class="text-xs text-gray-400 dark:text-gray-500"> CHF</span>
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+
+    </div>
+  } @else if (vergleichSearched() && !vergleichLoading() && !vergleichError()) {
+    <div class="bg-white dark:bg-gray-800 rounded-xl border border-emerald-200 dark:border-emerald-800 p-8 text-center">
+      <p class="text-sm text-gray-400 dark:text-gray-500">{{ 'priminfo.vergleich_no_results' | translate }}</p>
+    </div>
+  }
+
+  <!-- CTA: open official Priminfo -->
+  <div class="bg-violet-50 dark:bg-violet-900/20 border border-violet-200 dark:border-violet-800 rounded-xl p-5 flex items-center justify-between gap-4">
+    <div>
+      <p class="text-sm font-semibold text-violet-900 dark:text-violet-200">{{ 'priminfo.cta_title' | translate }}</p>
+      <p class="text-xs text-violet-700 dark:text-violet-300 mt-0.5">{{ 'priminfo.cta_text' | translate }}</p>
+    </div>
+    <button (click)="openPriminfo()"
+      class="shrink-0 flex items-center gap-2 px-4 py-2 bg-violet-600 hover:bg-violet-700 text-white text-sm font-medium rounded-lg transition-colors">
+      <svg class="w-4 h-4" fill="none" viewBox="0 0 24 24">
+        <path stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M18 14v4.833A1.166 1.166 0 0 1 16.833 20H5.167A1.167 1.167 0 0 1 4 18.833V7.167A1.166 1.166 0 0 1 5.167 6h4.618m4.447-2H20v5.768m-7.889 2.121 7.778-7.778"/>
+      </svg>
+      {{ 'priminfo.cta_btn' | translate }}
+    </button>
+  </div>
+
+  <!-- Info box -->
+  <div class="bg-gray-50 dark:bg-gray-700/40 rounded-xl border border-gray-200 dark:border-gray-700 p-5">
+    <h2 class="text-sm font-semibold text-gray-700 dark:text-gray-300 mb-3">{{ 'priminfo.info_title' | translate }}</h2>
+    <div class="space-y-2 text-xs text-gray-500 dark:text-gray-400">
+      <p>{{ 'priminfo.info_1' | translate }}</p>
+      <p>{{ 'priminfo.info_2' | translate }}</p>
+      <p>{{ 'priminfo.info_3' | translate }}</p>
+    </div>
+    <p class="mt-3 text-xs text-gray-400 dark:text-gray-500">
+      {{ 'priminfo.source' | translate }}
+      <a href="https://www.priminfo.admin.ch" target="_blank" rel="noopener noreferrer"
+        class="text-violet-600 dark:text-violet-400 hover:underline">priminfo.admin.ch</a>
+    </p>
+  </div>
+
+</div>

frontend/src/app/insurance/priminfo/priminfo.ts

@@ -0,0 +1,209 @@
+import { Component, signal, computed } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { TranslateModule } from '@ngx-translate/core';
+import { ApiService } from '../../services/api';
+
+export interface PraemienResult {
+  plz: string;
+  ort: string;
+  kanton: string;
+  region: number;
+  gemeinde: string;
+  bezirk: string;
+  avg_adult: number;
+  avg_young_adult: number;
+  avg_child: number;
+  data_year: number;
+}
+
+export interface VergleichResult {
+  versicherer_id: number;
+  versicherer_name: string;
+  tarifbezeichnung: string;
+  franchise_chf: number;
+  praemie: string;
+}
+
+interface FranchiseOption {
+  code: string;
+  chf: number;
+  label: string;
+}
+
+const FRANCHISE_ERW: FranchiseOption[] = [
+  { code: 'FRAST1', chf: 300,  label: "CHF 300" },
+  { code: 'FRAST2', chf: 500,  label: "CHF 500" },
+  { code: 'FRAST3', chf: 1000, label: "CHF 1'000" },
+  { code: 'FRAST4', chf: 1500, label: "CHF 1'500" },
+  { code: 'FRAST5', chf: 2000, label: "CHF 2'000" },
+  { code: 'FRAST6', chf: 2500, label: "CHF 2'500" },
+];
+
+const FRANCHISE_KIN_JUG: FranchiseOption[] = [
+  { code: 'FRAST1', chf: 0,   label: "CHF 0" },
+  { code: 'FRAST2', chf: 100, label: "CHF 100" },
+  { code: 'FRAST3', chf: 200, label: "CHF 200" },
+  { code: 'FRAST4', chf: 300, label: "CHF 300" },
+  { code: 'FRAST5', chf: 400, label: "CHF 400" },
+  { code: 'FRAST6', chf: 500, label: "CHF 500" },
+  { code: 'FRAST7', chf: 600, label: "CHF 600" },
+];
+
+@Component({
+  selector: 'app-priminfo',
+  standalone: true,
+  imports: [CommonModule, FormsModule, TranslateModule],
+  templateUrl: './priminfo.html',
+})
+export class Priminfo {
+  // === Ø-Prämien (PLZ overview) ===
+  plzInput = signal('');
+  loading = signal(false);
+  results = signal<PraemienResult[]>([]);
+  dataYear = signal<number | null>(null);
+  error = signal<string | null>(null);
+  searched = signal(false);
+
+  // === Versicherer-Vergleich ===
+  geburtsjahrInput = signal('');
+  tariftyp = signal('TAR-BASE');
+  franchisestufe = signal('FRAST1');
+  unfall = signal('OHN-UNF');
+  vergleichResults = signal<VergleichResult[]>([]);
+  vergleichLoading = signal(false);
+  vergleichError = signal<string | null>(null);
+  vergleichSearched = signal(false);
+  vergleichMeta = signal<{
+    kanton: string; region: number; ort: string; altersklasse: string; data_year: number;
+  } | null>(null);
+
+  readonly primInfoUrl = 'https://www.priminfo.admin.ch/de/praemien';
+
+  // Computed: age class from Geburtsjahr input
+  ageClass = computed<'AKL-KIN' | 'AKL-JUG' | 'AKL-ERW' | null>(() => {
+    const jg = parseInt(this.geburtsjahrInput(), 10);
+    const currentYear = new Date().getFullYear();
+    if (!jg || jg < 1900 || jg > currentYear) return null;
+    const age = currentYear - jg;
+    if (age <= 18) return 'AKL-KIN';
+    if (age <= 25) return 'AKL-JUG';
+    return 'AKL-ERW';
+  });
+
+  // Computed: franchise options depend on age class
+  franchiseOptions = computed<FranchiseOption[]>(() => {
+    return this.ageClass() === 'AKL-ERW' ? FRANCHISE_ERW : FRANCHISE_KIN_JUG;
+  });
+
+  // Computed: deduplicate Ø-results by kanton+region
+  uniqueRegions = computed(() => {
+    const seen = new Set<string>();
+    return this.results().filter(r => {
+      const key = `${r.kanton}-${r.region}`;
+      if (seen.has(key)) return false;
+      seen.add(key);
+      return true;
+    });
+  });
+
+  // Computed: vergleich search requirements met?
+  canVergleich = computed(() => {
+    const plz = this.plzInput().trim();
+    const jg = parseInt(this.geburtsjahrInput(), 10);
+    const currentYear = new Date().getFullYear();
+    return /^\d{4}$/.test(plz) && jg >= 1900 && jg <= currentYear;
+  });
+
+  // Computed: minimum premium across results (for cheapest highlight)
+  cheapestPraemie = computed(() => {
+    const r = this.vergleichResults();
+    if (!r.length) return null;
+    return Math.min(...r.map(x => Number(x.praemie)));
+  });
+
+  constructor(private api: ApiService) {}
+
+  // === Ø-Prämien search ===
+  search() {
+    const plz = this.plzInput().trim();
+    if (!plz || plz.length < 4) return;
+
+    this.loading.set(true);
+    this.error.set(null);
+    this.results.set([]);
+    this.searched.set(true);
+
+    this.api.getPraemienByPlz(plz).subscribe({
+      next: (data) => {
+        this.results.set(data.results || []);
+        this.dataYear.set(data.data_year || null);
+        this.loading.set(false);
+      },
+      error: (err) => {
+        const msg = err?.error?.error || 'priminfo.error_not_found';
+        this.error.set(msg);
+        this.loading.set(false);
+      },
+    });
+  }
+
+  onKeydown(event: KeyboardEvent) {
+    if (event.key === 'Enter') this.search();
+  }
+
+  // Reset franchise to first valid option when age class changes
+  onGeburtsjahrChange(val: string) {
+    this.geburtsjahrInput.set(val);
+    const opts = this.franchiseOptions();
+    if (!opts.find(o => o.code === this.franchisestufe())) {
+      this.franchisestufe.set(opts[0].code);
+    }
+  }
+
+  // === Versicherer-Vergleich search ===
+  searchVergleich() {
+    if (!this.canVergleich()) return;
+    const plz = this.plzInput().trim();
+    const jg = parseInt(this.geburtsjahrInput(), 10);
+
+    this.vergleichLoading.set(true);
+    this.vergleichError.set(null);
+    this.vergleichResults.set([]);
+    this.vergleichSearched.set(true);
+
+    this.api.getPraemienVergleich({
+      plz,
+      geburtsjahr: jg,
+      tariftyp: this.tariftyp(),
+      franchisestufe: this.franchisestufe(),
+      unfall: this.unfall(),
+    }).subscribe({
+      next: (data) => {
+        this.vergleichResults.set(data.results || []);
+        this.vergleichMeta.set({
+          kanton: data.kanton,
+          region: data.region,
+          ort: data.ort,
+          altersklasse: data.altersklasse,
+          data_year: data.data_year,
+        });
+        this.vergleichLoading.set(false);
+      },
+      error: (err) => {
+        const msg = err?.error?.error || 'priminfo.error_not_found';
+        this.vergleichError.set(msg);
+        this.vergleichLoading.set(false);
+      },
+    });
+  }
+
+  isCheapest(praemie: string): boolean {
+    const min = this.cheapestPraemie();
+    return min !== null && Number(praemie) === min;
+  }
+
+  openPriminfo() {
+    window.open(this.primInfoUrl, '_blank', 'noopener,noreferrer');
+  }
+}

frontend/src/app/layout/sidebar/sidebar.html

@@ -106,26 +106,6 @@
         </a>
       </li>
 
-      <!-- Financial Year -->
-      <li>
-        <a routerLink="/financial-year" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300"
-          (click)="sidebarService.closeMobile()"
-          [class]="sidebarService.collapsed() ? 'justify-center relative' : ''"
-          class="flex items-center p-2 text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700 group">
-          <svg class="w-6 h-6 flex-shrink-0 text-gray-400 group-hover:text-gray-900 dark:group-hover:text-white" fill="currentColor" viewBox="0 0 20 20">
-            <path d="M2 10a1 1 0 011-1h2a1 1 0 011 1v5a1 1 0 01-1 1H3a1 1 0 01-1-1v-5zM8 6a1 1 0 011-1h2a1 1 0 011 1v9a1 1 0 01-1 1H9a1 1 0 01-1-1V6zM14 4a1 1 0 011-1h2a1 1 0 011 1v11a1 1 0 01-1 1h-2a1 1 0 01-1-1V4z"/>
-          </svg>
-          @if (!sidebarService.collapsed()) {
-            <span class="ml-3 whitespace-nowrap">{{ 'sidebar.financial_year' | translate }}</span>
-          }
-          @if (sidebarService.collapsed()) {
-            <span class="pointer-events-none absolute left-full ml-3 top-1/2 -translate-y-1/2 px-2 py-1 text-xs font-medium text-white bg-gray-900 dark:bg-gray-700 rounded whitespace-nowrap opacity-0 group-hover:opacity-100 transition-opacity duration-150 z-50">
-              {{ 'sidebar.financial_year' | translate }}
-            </span>
-          }
-        </a>
-      </li>
-
       <!-- Accounts -->
       <li class="relative">
         @if (sidebarService.collapsed()) {
@@ -177,6 +157,67 @@
         }
       </li>
 
+      <!-- Versicherungen -->
+      <li class="relative">
+        @if (sidebarService.collapsed()) {
+          <!-- Collapsed: icon button opens flyout -->
+          <button (click)="sidebarService.toggleFlyout('insurance')"
+            [class]="sidebarService.openFlyout() === 'insurance' ? 'bg-gray-100 dark:bg-gray-700' : ''"
+            class="relative flex items-center justify-center p-2 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700 group">
+            <svg class="w-6 h-6 flex-shrink-0 text-gray-400 group-hover:text-gray-900 dark:group-hover:text-white" fill="currentColor" viewBox="0 0 24 24">
+              <path fill-rule="evenodd" d="M11.644 3.066a1 1 0 0 1 .712 0l7 2.666A1 1 0 0 1 20 6.68a17.694 17.694 0 0 1-2.023 7.98 17.406 17.406 0 0 1-5.402 6.158 1 1 0 0 1-1.15 0 17.405 17.405 0 0 1-5.403-6.157A17.695 17.695 0 0 1 4 6.68a1 1 0 0 1 .644-.949l7-2.666Zm4.014 7.187a1 1 0 0 0-1.316-1.506l-3.296 2.884-.839-.838a1 1 0 0 0-1.414 1.414l1.5 1.5a1 1 0 0 0 1.366.046l4-3.5Z" clip-rule="evenodd"/>
+            </svg>
+            @if (sidebarService.openFlyout() !== 'insurance') {
+              <span class="pointer-events-none absolute left-full ml-3 top-1/2 -translate-y-1/2 px-2 py-1 text-xs font-medium text-white bg-gray-900 dark:bg-gray-700 rounded whitespace-nowrap opacity-0 group-hover:opacity-100 transition-opacity duration-150 z-50">
+                {{ 'sidebar.insurance' | translate }}
+              </span>
+            }
+          </button>
+          <!-- Flyout -->
+          @if (sidebarService.openFlyout() === 'insurance') {
+            <div class="absolute left-full top-0 ml-2 z-50 w-48 bg-white dark:bg-gray-800 border border-gray-200 dark:border-gray-700 rounded-lg shadow-lg py-1">
+              <p class="px-3 py-2 text-xs font-semibold text-gray-400 dark:text-gray-500 uppercase tracking-wider">{{ 'sidebar.insurance' | translate }}</p>
+              <a routerLink="/insurance" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_overview' | translate }}
+              </a>
+              <a routerLink="/insurance-documents" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_documents' | translate }}
+              </a>
+              <a routerLink="/insurance-analyse" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_analyse' | translate }}
+              </a>
+              <a routerLink="/insurance-priminfo" (click)="sidebarService.closeFlyout(); sidebarService.closeMobile()"
+                class="flex items-center px-3 py-2 text-sm text-gray-700 dark:text-gray-200 hover:bg-gray-100 dark:hover:bg-gray-700 rounded-md mx-1">
+                {{ 'sidebar.insurance_priminfo' | translate }}
+              </a>
+            </div>
+          }
+        } @else {
+          <!-- Expanded: Angular-controlled dropdown -->
+          <button type="button" (click)="sidebarService.toggleInsurance()"
+            class="flex items-center p-2 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700 group">
+            <svg class="w-6 h-6 flex-shrink-0 text-gray-400 group-hover:text-gray-900 dark:group-hover:text-white" fill="currentColor" viewBox="0 0 24 24">
+              <path fill-rule="evenodd" d="M11.644 3.066a1 1 0 0 1 .712 0l7 2.666A1 1 0 0 1 20 6.68a17.694 17.694 0 0 1-2.023 7.98 17.406 17.406 0 0 1-5.402 6.158 1 1 0 0 1-1.15 0 17.405 17.405 0 0 1-5.403-6.157A17.695 17.695 0 0 1 4 6.68a1 1 0 0 1 .644-.949l7-2.666Zm4.014 7.187a1 1 0 0 0-1.316-1.506l-3.296 2.884-.839-.838a1 1 0 0 0-1.414 1.414l1.5 1.5a1 1 0 0 0 1.366.046l4-3.5Z" clip-rule="evenodd"/>
+            </svg>
+            <span class="flex-1 ml-3 text-left whitespace-nowrap">{{ 'sidebar.insurance' | translate }}</span>
+            <svg [class.rotate-180]="sidebarService.insuranceOpen()" class="w-4 h-4 transition-transform duration-200" fill="currentColor" viewBox="0 0 20 20">
+              <path fill-rule="evenodd" d="M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z" clip-rule="evenodd"></path>
+            </svg>
+          </button>
+          @if (sidebarService.insuranceOpen()) {
+            <ul class="py-2 space-y-2">
+              <li><a routerLink="/insurance" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_overview' | translate }}</a></li>
+              <li><a routerLink="/insurance-documents" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_documents' | translate }}</a></li>
+              <li><a routerLink="/insurance-analyse" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_analyse' | translate }}</a></li>
+              <li><a routerLink="/insurance-priminfo" routerLinkActive="!bg-violet-50 !text-violet-700 dark:!bg-violet-900/20 dark:!text-violet-300" (click)="sidebarService.closeMobile()" class="flex items-center p-2 pl-11 w-full text-sm font-normal text-gray-900 rounded-lg dark:text-white hover:bg-gray-100 dark:hover:bg-gray-700">{{ 'sidebar.insurance_priminfo' | translate }}</a></li>
+            </ul>
+          }
+        }
+      </li>
+
     </ul>
 
     <!-- Mobile: Notifications, Theme, Profile, Logout (hidden on desktop — those are in the navbar) -->

frontend/src/app/services/api.ts

@@ -23,10 +23,6 @@ export class ApiService {
     return this.http.put(`${this.baseUrl}/accounts/${id}/`, account);
   }
 
-  patchAccount(id: number, data: Partial<{name: string, balance: number, account_type: string, salary_months: number}>): Observable<any> {
-    return this.http.patch(`${this.baseUrl}/accounts/${id}/`, data);
-  }
-
   deleteAccount(id: number): Observable<any> {
     return this.http.delete(`${this.baseUrl}/accounts/${id}/`);
   }
@@ -198,4 +194,43 @@ export class ApiService {
   confirmPasswordReset(token: string, password: string): Observable<any> {
     return this.http.post(`${this.baseUrl}/auth/password-reset/confirm/`, { token, password });
   }
+
+  // Praemien
+  getPraemienByPlz(plz: string): Observable<any> {
+    return this.http.get(`${this.baseUrl}/praemien/?plz=${encodeURIComponent(plz)}`);
+  }
+
+  getPraemienVergleich(params: {
+    plz: string;
+    geburtsjahr: number;
+    tariftyp: string;
+    franchisestufe: string;
+    unfall: string;
+  }): Observable<any> {
+    const p = new URLSearchParams({
+      plz: params.plz,
+      geburtsjahr: String(params.geburtsjahr),
+      tariftyp: params.tariftyp,
+      franchisestufe: params.franchisestufe,
+      unfall: params.unfall,
+    });
+    return this.http.get(`${this.baseUrl}/praemien/vergleich/?${p}`);
+  }
+
+  // Insurances
+  getInsurances(): Observable<any[]> {
+    return this.http.get<any[]>(`${this.baseUrl}/insurances/`);
+  }
+
+  createInsurance(insurance: any): Observable<any> {
+    return this.http.post(`${this.baseUrl}/insurances/`, insurance);
+  }
+
+  updateInsurance(id: number, insurance: any): Observable<any> {
+    return this.http.put(`${this.baseUrl}/insurances/${id}/`, insurance);
+  }
+
+  deleteInsurance(id: number): Observable<any> {
+    return this.http.delete(`${this.baseUrl}/insurances/${id}/`);
+  }
 }

frontend/src/app/services/financial-year.ts

@@ -1,146 +0,0 @@
-import { Injectable } from '@angular/core';
-import { HttpClient } from '@angular/common/http';
-import { Observable } from 'rxjs';
-
-export interface YearlyIncome {
-  id: number;
-  member: number | null;
-  member_email: string;
-  name: string;
-  amount: number;
-  active: boolean;
-  notes: string;
-}
-
-export interface YearlyBudgetItem {
-  id: number;
-  name: string;
-  amount: number;
-  active: boolean;
-  notes: string;
-}
-
-export interface FinancialYear {
-  id: number;
-  year: number;
-  is_active: boolean;
-  notes: string;
-  owner_type: 'personal' | 'household';
-  household_id: number | null;
-  total_income: number;
-  total_fixed_costs: number;
-  incomes: YearlyIncome[];
-  budget_items: YearlyBudgetItem[];
-  created_at: string;
-}
-
-export interface HouseholdMembership {
-  id: number;
-  user: number;
-  user_email: string;
-  invited_by_email: string;
-  status: 'pending' | 'active' | 'left';
-  role: 'member' | 'admin';
-  effective_from_year: number | null;
-  effective_until_year: number | null;
-  created_at: string;
-}
-
-export interface PendingInvite {
-  id: number;
-  invited_email: string;
-  invited_by_email: string;
-  effective_from_year: number | null;
-  created_at: string;
-}
-
-export interface Household {
-  id: number;
-  name: string;
-  created_by_email: string;
-  memberships: HouseholdMembership[];
-  pending_invites: PendingInvite[];
-  created_at: string;
-}
-
-@Injectable({ providedIn: 'root' })
-export class FinancialYearService {
-  private base = '/api/financial-years';
-
-  constructor(private http: HttpClient) {}
-
-  list(): Observable<FinancialYear[]> {
-    return this.http.get<FinancialYear[]>(`${this.base}/`);
-  }
-
-  get(year: number): Observable<FinancialYear> {
-    return this.http.get<FinancialYear>(`${this.base}/${year}/`);
-  }
-
-  create(data: { year: number; notes?: string; household_id?: number }): Observable<FinancialYear> {
-    return this.http.post<FinancialYear>(`${this.base}/`, data);
-  }
-
-  update(year: number, data: Partial<{ is_active: boolean; notes: string }>): Observable<FinancialYear> {
-    return this.http.patch<FinancialYear>(`${this.base}/${year}/`, data);
-  }
-
-  copyFrom(year: number, sourceYear: number): Observable<any> {
-    return this.http.post(`${this.base}/${year}/copy-from/${sourceYear}/`, {});
-  }
-
-  // Incomes
-  createIncome(year: number, data: { name: string; amount: number; active: boolean; notes: string; member: number | null }): Observable<YearlyIncome> {
-    return this.http.post<YearlyIncome>(`${this.base}/${year}/incomes/`, data);
-  }
-
-  updateIncome(year: number, id: number, data: { name: string; amount: number; active: boolean; notes: string }): Observable<YearlyIncome> {
-    return this.http.patch<YearlyIncome>(`${this.base}/${year}/incomes/${id}/`, data);
-  }
-
-  deleteIncome(year: number, id: number): Observable<void> {
-    return this.http.delete<void>(`${this.base}/${year}/incomes/${id}/`);
-  }
-
-  // Budget Items
-  createBudgetItem(year: number, data: { name: string; amount: number; active: boolean; notes: string }): Observable<YearlyBudgetItem> {
-    return this.http.post<YearlyBudgetItem>(`${this.base}/${year}/budget-items/`, data);
-  }
-
-  updateBudgetItem(year: number, id: number, data: { name: string; amount: number; active: boolean; notes: string }): Observable<YearlyBudgetItem> {
-    return this.http.patch<YearlyBudgetItem>(`${this.base}/${year}/budget-items/${id}/`, data);
-  }
-
-  deleteBudgetItem(year: number, id: number): Observable<void> {
-    return this.http.delete<void>(`${this.base}/${year}/budget-items/${id}/`);
-  }
-
-  // Households
-  getHouseholds(): Observable<Household[]> {
-    return this.http.get<Household[]>('/api/households/');
-  }
-
-  createHousehold(name: string): Observable<Household> {
-    return this.http.post<Household>('/api/households/', { name });
-  }
-
-  inviteMember(pk: number, email: string): Observable<any> {
-    return this.http.post(`/api/households/${pk}/invite/`, { email });
-  }
-
-  acceptInvitation(pk: number): Observable<any> {
-    return this.http.post(`/api/households/${pk}/accept/`, {});
-  }
-
-  leaveHousehold(pk: number): Observable<any> {
-    return this.http.post(`/api/households/${pk}/leave/`, {});
-  }
-
-  setMemberRole(pk: number, membershipId: number, role: 'member' | 'admin'): Observable<HouseholdMembership> {
-    return this.http.post<HouseholdMembership>(`/api/households/${pk}/members/${membershipId}/set-role/`, { role });
-  }
-
-  getHouseholdRevenueAccounts(pk: number): Observable<any[]> {
-    return this.http.get<any[]>(`/api/households/${pk}/revenue-accounts/`);
-  }
-}

frontend/src/app/services/sidebar.ts

@@ -9,6 +9,7 @@ export class SidebarService {
   mobileOpen = signal(false);
   budgetsOpen = signal(false);
   accountsOpen = signal(false);
+  insuranceOpen = signal(false);
 
   toggle() {
     this.collapsed.update(v => !v);
@@ -31,6 +32,10 @@ export class SidebarService {
     this.accountsOpen.update(v => !v);
   }
 
+  toggleInsurance() {
+    this.insuranceOpen.update(v => !v);
+  }
+
   toggleFlyout(name: string) {
     this.openFlyout.update(current => current === name ? null : name);
   }

frontend/src/assets/i18n/de.json

@@ -136,17 +136,6 @@
     "transactions": "Transaktionen",
     "deadlines": "Termine"
   },
-  "sidebar": {
-    "dashboard": "Dashboard",
-    "budgets": "Budgets",
-    "fixed_costs": "Fixkosten",
-    "expenses": "Ausgaben",
-    "calendar": "Kalender",
-    "financial_year": "Jahresplanung",
-    "accounts": "Konten",
-    "revenue_accounts": "Einnahmekonten",
-    "transactions": "Transaktionen"
-  },
   "dashboard": {
     "title": "Dashboard",
     "subtitle": "Finanzübersicht",
@@ -346,74 +335,6 @@
     "ZG": "Zug",
     "ZH": "Zürich"
   },
-  "household": {
-    "title": "Haushalt",
-    "none": "Du bist noch in keinem Haushalt.",
-    "none_hint": "Gründe einen gemeinsamen Haushalt oder warte auf eine Einladung.",
-    "create": "Haushalt gründen",
-    "create_title": "Neuer Haushalt",
-    "label_name": "Name des Haushalts",
-    "placeholder_name": "z.B. Familie Müller",
-    "created_by": "Gegründet von",
-    "members": "Mitglieder",
-    "invite": "Einladen",
-    "invite_email": "E-Mail-Adresse",
-    "invite_placeholder": "user@beispiel.ch",
-    "send": "Einladung senden",
-    "status_active": "Aktiv",
-    "status_pending": "Ausstehend",
-    "status_left": "Ausgetreten",
-    "role_admin": "Admin",
-    "role_member": "Mitglied",
-    "make_admin": "Admin machen",
-    "remove_admin": "Admin entfernen",
-    "pending_invitation": "Einladung erhalten",
-    "pending_from": "Eingeladen von",
-    "effective_from": "Ab Jahr",
-    "accept": "Annehmen",
-    "leave": "Haushalt verlassen",
-    "leave_confirm_title": "Haushalt verlassen?",
-    "leave_confirm_text": "Du verlässt den Haushalt per Ende des laufenden Jahres. Vergangene Haushaltsjahre bleiben für dich lesbar.",
-    "you": "du",
-    "founder": "Gründer",
-    "error_name_required": "Name ist erforderlich.",
-    "error_failed": "Vorgang fehlgeschlagen.",
-    "error_email_required": "E-Mail-Adresse ist erforderlich.",
-    "error_not_found": "Kein Benutzer mit dieser E-Mail gefunden.",
-    "error_already_member": "Benutzer ist bereits Mitglied oder hat eine ausstehende Einladung."
-  },
-  "financial_year": {
-    "title": "Jahresplanung",
-    "owner_personal": "Persönlich",
-    "owner_household": "Haushalt",
-    "new_year": "Neues Jahr starten",
-    "no_years": "Noch kein Finanzjahr erstellt.",
-    "start_first_year": "Erstes Jahr starten",
-    "tab_incomes": "Einnahmen",
-    "tab_budget_items": "Fixkosten",
-    "add_income": "Einnahme hinzufügen",
-    "add_budget_item": "Fixkosten hinzufügen",
-    "label_name": "Bezeichnung",
-    "label_amount": "Betrag (CHF / Jahr)",
-    "label_notes": "Notizen",
-    "label_active": "Aktiv",
-    "total_income": "Gesamteinnahmen",
-    "total_fixed_costs": "Fixkosten total",
-    "disposable": "Verfügbar",
-    "savings_rate": "Sparquote",
-    "per_month": "Monat",
-    "no_incomes": "Noch keine Einnahmen erfasst.",
-    "no_budget_items": "Noch keine Fixkosten erfasst.",
-    "confirm_new_year": "Jahr {{ year }} starten?",
-    "confirm_copy": "Soll das neue Jahr mit den Daten aus {{ source }} vorausgefüllt werden?",
-    "first_year_hint": "Das Finanzjahr {{ year }} wird neu erstellt.",
-    "create_year": "Jahr erstellen",
-    "copy_yes": "Ja, Daten übernehmen",
-    "copy_no": "Leer starten",
-    "error_name_required": "Bezeichnung ist erforderlich.",
-    "error_amount_invalid": "Bitte einen gültigen Betrag eingeben.",
-    "error_save_failed": "Speichern fehlgeschlagen."
-  },
   "profile": {
     "title": "Profil",
     "subtitle": "Persönliche Informationen und Einstellungen verwalten",
@@ -469,5 +390,134 @@
       "password_too_short": "Passwort muss mindestens 8 Zeichen lang sein.",
       "password_failed": "Passwort konnte nicht aktualisiert werden."
     }
+  },
+  "sidebar": {
+    "dashboard": "Dashboard",
+    "budgets": "Budget",
+    "fixed_costs": "Fixkosten",
+    "expenses": "Ausgaben",
+    "calendar": "Kalender",
+    "accounts": "Konten",
+    "revenue_accounts": "Einnahmenkonten",
+    "transactions": "Transaktionen",
+    "insurance": "Versicherungen",
+    "insurance_overview": "Übersicht",
+    "insurance_documents": "Dokumente",
+    "insurance_analyse": "Analyse",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Versicherungen",
+    "subtitle": "Deine aktuelle Versicherungssituation — Ist-Situation",
+    "add": "Versicherung hinzufügen",
+    "create_title": "Versicherung erfassen",
+    "edit_title": "Versicherung bearbeiten",
+    "list_title": "Deine Versicherungen",
+    "no_entries": "Noch keine Versicherungen erfasst.",
+    "loading": "Laden...",
+    "kpi_monthly": "Monatliche Prämien total",
+    "kpi_count": "Policen",
+    "kpi_covered": "Abgedeckte Typen",
+    "checklist_title": "Empfohlene Mindestabdeckung",
+    "checklist_hint": "Diese vier Versicherungen gelten in der Schweiz als Mindeststandard für jede Person.",
+    "label_type": "Versicherungsart",
+    "label_insurer": "Versicherer",
+    "label_policy_number": "Policennummer",
+    "label_premium": "Prämie (CHF)",
+    "label_period": "Zahlungsrhythmus",
+    "label_coverage": "Deckungssumme (CHF)",
+    "label_deductible": "Franchise (CHF)",
+    "label_valid_from": "Gültig ab",
+    "label_valid_until": "Gültig bis",
+    "label_notes": "Notizen",
+    "placeholder_insurer": "z.B. Helsana, AXA, CSS",
+    "placeholder_policy_number": "z.B. 12345678",
+    "month_short": "Mt.",
+    "types": {
+      "kvg": "Krankenkasse (KVG)",
+      "kk_zusatz": "KK-Zusatzversicherung",
+      "nbu": "Unfallversicherung (NBU)",
+      "haftpflicht": "Privathaftpflicht",
+      "hausrat": "Hausrat",
+      "mfz": "MFZ-Haftpflicht",
+      "rechtsschutz": "Rechtsschutz",
+      "saule_3a": "Säule 3a",
+      "leben": "Lebensversicherung",
+      "reise": "Reiseversicherung",
+      "other": "Sonstiges"
+    },
+    "period": {
+      "monthly": "Monatlich",
+      "quarterly": "Vierteljährlich",
+      "semi_annual": "Halbjährlich",
+      "annual": "Jährlich"
+    }
+  },
+  "insurance_docs": {
+    "title": "Versicherungsdokumente",
+    "subtitle": "Lade deine Policen hoch und lass sie von der KI analysieren",
+    "coming_soon_title": "PDF-Upload & KI-Analyse — Demnächst",
+    "coming_soon_text": "Lade deine Versicherungspolicen als PDF hoch. Die KI (Claude) extrahiert automatisch die wichtigsten Informationen."
+  },
+  "insurance_analyse": {
+    "title": "Versicherungsanalyse",
+    "subtitle": "Soll/Kann — Was brauchst du wirklich?",
+    "coming_soon_title": "Deckungsanalyse — Demnächst",
+    "coming_soon_text": "Vergleiche deine aktuelle Versicherungssituation mit Schweizer Empfehlungen und erkenne Lücken.",
+    "tag_soll": "Soll-Situation",
+    "tag_gaps": "Deckungslücken",
+    "tag_recommendations": "Empfehlungen"
+  },
+  "priminfo": {
+    "title": "Priminfo — KVG-Prämienrechner",
+    "subtitle": "Durchschnittliche Monatsprämien nach PLZ, basierend auf BAG-Daten",
+    "plz_label": "Postleitzahl eingeben",
+    "plz_placeholder": "z.B. 8001",
+    "plz_hint": "4-stellige Schweizer Postleitzahl",
+    "search": "Suchen",
+    "region_label": "Prämienregion",
+    "col_child": "Kinder",
+    "col_young": "Junge Erwachsene",
+    "col_adult": "Erwachsene",
+    "month": "Monat",
+    "disclaimer": "Ø-Monatsprämien {{ year }} (alle Versicherer, alle Modelle). Quelle: BAG / Priminfo.",
+    "multi_ort_hint": "Diese PLZ liegt in mehreren Gemeinden oder Regionen.",
+    "error_not_found": "Keine Daten für diese PLZ gefunden.",
+    "no_results": "Keine Resultate.",
+    "cta_title": "Weitere Details auf priminfo.admin.ch",
+    "cta_text": "Jahreskosten, historische Prämienverläufe und Zusatzversicherungen auf der offiziellen BAG-Seite.",
+    "cta_btn": "Jetzt auf Priminfo vergleichen",
+    "info_title": "Was zeigt dieser Rechner?",
+    "info_1": "Die Prämien sind kantonale Durchschnittswerte über alle Versicherer und alle Versicherungsmodelle (Standard, Hausarzt, HMO, Telemed).",
+    "info_2": "Die Prämienregion (1, 2 oder 3) bestimmt die Prämienhöhe innerhalb eines Kantons — Region 1 ist meist am teuersten.",
+    "info_3": "Für den genauen Prämienvergleich nach Versicherer und Franchise empfehlen wir den offiziellen Rechner auf priminfo.admin.ch.",
+    "source": "Quelle: BAG — ",
+    "vergleich_card_title": "Versicherer vergleichen",
+    "vergleich_card_subtitle": "Granulare Prämien nach Versicherer, Modell und Franchise",
+    "geburtsjahr_label": "Geburtsjahr",
+    "geburtsjahr_placeholder": "z.B. 1990",
+    "modell_label": "Versicherungsmodell",
+    "modell_base": "Standard",
+    "modell_ham": "Hausarzt (HÄM)",
+    "modell_hmo": "HMO",
+    "modell_div": "Andere Modelle",
+    "franchise_label": "Franchise",
+    "unfall_label": "Unfalldeckung",
+    "unfall_ohn": "Ohne Unfall",
+    "unfall_mit": "Mit Unfall",
+    "unfall_note": "Angestellte können die Unfalldeckung weglassen, wenn der Arbeitgeber eine NBU-Versicherung abschliesst.",
+    "vergleich_btn": "Versicherer vergleichen",
+    "col_rank": "#",
+    "col_insurer": "Versicherer",
+    "col_model": "Modell",
+    "col_franchise": "Franchise",
+    "col_premium": "Prämie/Mt.",
+    "cheapest_badge": "Günstigste",
+    "vergleich_data_year": "Prämien {{ year }}",
+    "vergleich_no_results": "Keine Versicherer für diese Kombination gefunden. Andere Modell- oder Franchisewahl versuchen.",
+    "vergleich_hint": "Versicherer, sortiert nach Prämie aufsteigend.",
+    "age_child": "Kind (≤ 18 J.)",
+    "age_young": "Junger Erw. (19–25 J.)",
+    "age_adult": "Erwachsener (≥ 26 J.)"
   }
 }

frontend/src/assets/i18n/en.json

@@ -136,17 +136,6 @@
     "transactions": "Transactions",
     "deadlines": "Deadlines"
   },
-  "sidebar": {
-    "dashboard": "Dashboard",
-    "budgets": "Budgets",
-    "fixed_costs": "Fixed Costs",
-    "expenses": "Expenses",
-    "calendar": "Calendar",
-    "financial_year": "Annual Planning",
-    "accounts": "Accounts",
-    "revenue_accounts": "Revenue Accounts",
-    "transactions": "Transactions"
-  },
   "dashboard": {
     "title": "Dashboard",
     "subtitle": "Financial overview",
@@ -346,74 +335,6 @@
     "ZG": "Zug",
     "ZH": "Zuerich"
   },
-  "household": {
-    "title": "Household",
-    "none": "You are not part of any household yet.",
-    "none_hint": "Create a shared household or wait for an invitation.",
-    "create": "Create Household",
-    "create_title": "New Household",
-    "label_name": "Household Name",
-    "placeholder_name": "e.g. Smith Family",
-    "created_by": "Created by",
-    "members": "Members",
-    "invite": "Invite",
-    "invite_email": "Email Address",
-    "invite_placeholder": "user@example.com",
-    "send": "Send Invitation",
-    "status_active": "Active",
-    "status_pending": "Pending",
-    "status_left": "Left",
-    "role_admin": "Admin",
-    "role_member": "Member",
-    "make_admin": "Make admin",
-    "remove_admin": "Remove admin",
-    "pending_invitation": "Invitation received",
-    "pending_from": "Invited by",
-    "effective_from": "From year",
-    "accept": "Accept",
-    "leave": "Leave Household",
-    "leave_confirm_title": "Leave Household?",
-    "leave_confirm_text": "You will leave the household at the end of the current year. Past household years remain readable for you.",
-    "you": "you",
-    "founder": "Founder",
-    "error_name_required": "Name is required.",
-    "error_failed": "Operation failed.",
-    "error_email_required": "Email address is required.",
-    "error_not_found": "No user found with this email.",
-    "error_already_member": "User is already a member or has a pending invitation."
-  },
-  "financial_year": {
-    "title": "Annual Planning",
-    "owner_personal": "Personal",
-    "owner_household": "Household",
-    "new_year": "Start New Year",
-    "no_years": "No financial year created yet.",
-    "start_first_year": "Start First Year",
-    "tab_incomes": "Income",
-    "tab_budget_items": "Fixed Costs",
-    "add_income": "Add Income",
-    "add_budget_item": "Add Fixed Cost",
-    "label_name": "Name",
-    "label_amount": "Amount (CHF / Year)",
-    "label_notes": "Notes",
-    "label_active": "Active",
-    "total_income": "Total Income",
-    "total_fixed_costs": "Total Fixed Costs",
-    "disposable": "Disposable",
-    "savings_rate": "Savings Rate",
-    "per_month": "Month",
-    "no_incomes": "No income entries yet.",
-    "no_budget_items": "No fixed cost entries yet.",
-    "confirm_new_year": "Start Year {{ year }}?",
-    "confirm_copy": "Should the new year be pre-filled with data from {{ source }}?",
-    "first_year_hint": "Financial year {{ year }} will be created.",
-    "create_year": "Create Year",
-    "copy_yes": "Yes, copy data",
-    "copy_no": "Start empty",
-    "error_name_required": "Name is required.",
-    "error_amount_invalid": "Please enter a valid amount.",
-    "error_save_failed": "Saving failed."
-  },
   "profile": {
     "title": "Profile",
     "subtitle": "Manage your personal information and settings",
@@ -469,5 +390,134 @@
       "password_too_short": "Password must be at least 8 characters.",
       "password_failed": "Failed to update password."
     }
+  },
+  "sidebar": {
+    "dashboard": "Dashboard",
+    "budgets": "Budgets",
+    "fixed_costs": "Fixed Costs",
+    "expenses": "Expenses",
+    "calendar": "Calendar",
+    "accounts": "Accounts",
+    "revenue_accounts": "Revenue Accounts",
+    "transactions": "Transactions",
+    "insurance": "Insurances",
+    "insurance_overview": "Overview",
+    "insurance_documents": "Documents",
+    "insurance_analyse": "Analysis",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Insurances",
+    "subtitle": "Your current insurance coverage — Ist-Situation",
+    "add": "Add Insurance",
+    "create_title": "Add Insurance",
+    "edit_title": "Edit Insurance",
+    "list_title": "Your Insurances",
+    "no_entries": "No insurances recorded yet.",
+    "loading": "Loading...",
+    "kpi_monthly": "Monthly Total",
+    "kpi_count": "Policies",
+    "kpi_covered": "Types Covered",
+    "checklist_title": "Recommended Coverage",
+    "checklist_hint": "These four insurances are the Swiss minimum recommended for every person.",
+    "label_type": "Insurance Type",
+    "label_insurer": "Insurer",
+    "label_policy_number": "Policy Number",
+    "label_premium": "Premium (CHF)",
+    "label_period": "Period",
+    "label_coverage": "Coverage (CHF)",
+    "label_deductible": "Deductible (CHF)",
+    "label_valid_from": "Valid From",
+    "label_valid_until": "Valid Until",
+    "label_notes": "Notes",
+    "placeholder_insurer": "e.g. Helsana, AXA, CSS",
+    "placeholder_policy_number": "e.g. 12345678",
+    "month_short": "mo",
+    "types": {
+      "kvg": "Health Insurance (KVG)",
+      "kk_zusatz": "Supplemental Health",
+      "nbu": "Accident (NBU)",
+      "haftpflicht": "Private Liability",
+      "hausrat": "Household Contents",
+      "mfz": "Vehicle Liability",
+      "rechtsschutz": "Legal Protection",
+      "saule_3a": "Pillar 3a",
+      "leben": "Life Insurance",
+      "reise": "Travel Insurance",
+      "other": "Other"
+    },
+    "period": {
+      "monthly": "Monthly",
+      "quarterly": "Quarterly",
+      "semi_annual": "Semi-annual",
+      "annual": "Annual"
+    }
+  },
+  "insurance_docs": {
+    "title": "Insurance Documents",
+    "subtitle": "Upload and analyse your insurance policies with AI",
+    "coming_soon_title": "PDF Upload & AI Analysis — Coming Soon",
+    "coming_soon_text": "Upload your insurance policies as PDF. The AI (Claude) will extract the most important information automatically."
+  },
+  "insurance_analyse": {
+    "title": "Insurance Analysis",
+    "subtitle": "Soll/Kann — What coverage do you need?",
+    "coming_soon_title": "Coverage Analysis — Coming Soon",
+    "coming_soon_text": "Compare your current coverage with Swiss recommendations and identify gaps.",
+    "tag_soll": "Target Coverage",
+    "tag_gaps": "Coverage Gaps",
+    "tag_recommendations": "Recommendations"
+  },
+  "priminfo": {
+    "title": "Priminfo — KVG Premium Calculator",
+    "subtitle": "Average monthly premiums by postal code, based on FOPH data",
+    "plz_label": "Enter postal code",
+    "plz_placeholder": "e.g. 8001",
+    "plz_hint": "4-digit Swiss postal code",
+    "search": "Search",
+    "region_label": "Premium Region",
+    "col_child": "Children",
+    "col_young": "Young Adults",
+    "col_adult": "Adults",
+    "month": "month",
+    "disclaimer": "Avg. monthly premiums {{ year }} (all insurers, all models). Source: FOPH / Priminfo.",
+    "multi_ort_hint": "This postal code covers multiple municipalities or regions.",
+    "error_not_found": "No data found for this postal code.",
+    "no_results": "No results.",
+    "cta_title": "More details at priminfo.admin.ch",
+    "cta_text": "Annual costs, premium history and supplemental insurance on the official FOPH website.",
+    "cta_btn": "Compare on Priminfo",
+    "info_title": "What does this calculator show?",
+    "info_1": "Premiums are cantonal averages across all insurers and all insurance models (standard, family doctor, HMO, telemedicine).",
+    "info_2": "The premium region (1, 2 or 3) determines the premium level within a canton — region 1 is usually the most expensive.",
+    "info_3": "For a precise comparison by insurer and deductible, we recommend the official calculator at priminfo.admin.ch.",
+    "source": "Source: FOPH — ",
+    "vergleich_card_title": "Compare Insurers",
+    "vergleich_card_subtitle": "Granular premiums by insurer, model and deductible",
+    "geburtsjahr_label": "Year of Birth",
+    "geburtsjahr_placeholder": "e.g. 1990",
+    "modell_label": "Insurance Model",
+    "modell_base": "Standard",
+    "modell_ham": "GP Model (HÄM)",
+    "modell_hmo": "HMO",
+    "modell_div": "Other Models",
+    "franchise_label": "Deductible",
+    "unfall_label": "Accident Coverage",
+    "unfall_ohn": "Without Accident",
+    "unfall_mit": "With Accident",
+    "unfall_note": "Employees can exclude accident coverage if their employer has a non-occupational accident insurance (NBIA).",
+    "vergleich_btn": "Compare Insurers",
+    "col_rank": "#",
+    "col_insurer": "Insurer",
+    "col_model": "Model",
+    "col_franchise": "Deductible",
+    "col_premium": "Premium/Mo.",
+    "cheapest_badge": "Cheapest",
+    "vergleich_data_year": "Premiums {{ year }}",
+    "vergleich_no_results": "No insurers found for this combination. Try a different model or deductible.",
+    "vergleich_hint": "Insurers sorted by premium ascending.",
+    "age_child": "Child (≤ 18 yrs)",
+    "age_young": "Young Adult (19–25 yrs)",
+    "age_adult": "Adult (≥ 26 yrs)"
   }
 }

frontend/src/assets/i18n/fr.json

@@ -136,17 +136,6 @@
     "transactions": "Transactions",
     "deadlines": "Échéances"
   },
-  "sidebar": {
-    "dashboard": "Tableau de bord",
-    "budgets": "Budgets",
-    "fixed_costs": "Charges fixes",
-    "expenses": "Dépenses",
-    "calendar": "Calendrier",
-    "financial_year": "Planification annuelle",
-    "accounts": "Comptes",
-    "revenue_accounts": "Comptes de revenus",
-    "transactions": "Transactions"
-  },
   "dashboard": {
     "title": "Tableau de bord",
     "subtitle": "Aperçu financier",
@@ -346,74 +335,6 @@
     "ZG": "Zoug",
     "ZH": "Zurich"
   },
-  "household": {
-    "title": "Ménage",
-    "none": "Vous ne faites encore partie d'aucun ménage.",
-    "none_hint": "Créez un ménage commun ou attendez une invitation.",
-    "create": "Créer un ménage",
-    "create_title": "Nouveau ménage",
-    "label_name": "Nom du ménage",
-    "placeholder_name": "p.ex. Famille Müller",
-    "created_by": "Créé par",
-    "members": "Membres",
-    "invite": "Inviter",
-    "invite_email": "Adresse e-mail",
-    "invite_placeholder": "user@exemple.ch",
-    "send": "Envoyer l'invitation",
-    "status_active": "Actif",
-    "status_pending": "En attente",
-    "status_left": "Parti",
-    "role_admin": "Admin",
-    "role_member": "Membre",
-    "make_admin": "Rendre admin",
-    "remove_admin": "Retirer admin",
-    "pending_invitation": "Invitation reçue",
-    "pending_from": "Invité par",
-    "effective_from": "Dès l'année",
-    "accept": "Accepter",
-    "leave": "Quitter le ménage",
-    "leave_confirm_title": "Quitter le ménage ?",
-    "leave_confirm_text": "Vous quitterez le ménage à la fin de l'année en cours. Les années passées resteront lisibles.",
-    "you": "vous",
-    "founder": "Fondateur",
-    "error_name_required": "Le nom est requis.",
-    "error_failed": "Opération échouée.",
-    "error_email_required": "L'adresse e-mail est requise.",
-    "error_not_found": "Aucun utilisateur trouvé avec cet e-mail.",
-    "error_already_member": "L'utilisateur est déjà membre ou a une invitation en attente."
-  },
-  "financial_year": {
-    "title": "Planification annuelle",
-    "owner_personal": "Personnel",
-    "owner_household": "Ménage",
-    "new_year": "Démarrer une nouvelle année",
-    "no_years": "Aucune année financière créée.",
-    "start_first_year": "Démarrer la première année",
-    "tab_incomes": "Revenus",
-    "tab_budget_items": "Charges fixes",
-    "add_income": "Ajouter un revenu",
-    "add_budget_item": "Ajouter une charge fixe",
-    "label_name": "Désignation",
-    "label_amount": "Montant (CHF / an)",
-    "label_notes": "Notes",
-    "label_active": "Actif",
-    "total_income": "Revenus totaux",
-    "total_fixed_costs": "Charges fixes totales",
-    "disposable": "Disponible",
-    "savings_rate": "Taux d'épargne",
-    "per_month": "mois",
-    "no_incomes": "Aucun revenu enregistré.",
-    "no_budget_items": "Aucune charge fixe enregistrée.",
-    "confirm_new_year": "Démarrer l'année {{ year }} ?",
-    "confirm_copy": "Reprendre les données de {{ source }} pour la nouvelle année ?",
-    "first_year_hint": "L'année financière {{ year }} sera créée.",
-    "create_year": "Créer l'année",
-    "copy_yes": "Oui, reprendre les données",
-    "copy_no": "Démarrer vide",
-    "error_name_required": "La désignation est requise.",
-    "error_amount_invalid": "Veuillez saisir un montant valide.",
-    "error_save_failed": "Échec de l'enregistrement."
-  },
   "profile": {
     "title": "Profil",
     "subtitle": "Gérer vos informations personnelles et paramètres",
@@ -469,5 +390,134 @@
       "password_too_short": "Le mot de passe doit comporter au moins 8 caractères.",
       "password_failed": "Échec de la mise à jour du mot de passe."
     }
+  },
+  "sidebar": {
+    "dashboard": "Tableau de bord",
+    "budgets": "Budgets",
+    "fixed_costs": "Charges fixes",
+    "expenses": "Dépenses",
+    "calendar": "Calendrier",
+    "accounts": "Comptes",
+    "revenue_accounts": "Comptes de revenus",
+    "transactions": "Transactions",
+    "insurance": "Assurances",
+    "insurance_overview": "Aperçu",
+    "insurance_documents": "Documents",
+    "insurance_analyse": "Analyse",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Assurances",
+    "subtitle": "Votre couverture d'assurance actuelle — Situation actuelle",
+    "add": "Ajouter une assurance",
+    "create_title": "Nouvelle assurance",
+    "edit_title": "Modifier l'assurance",
+    "list_title": "Vos assurances",
+    "no_entries": "Aucune assurance enregistrée.",
+    "loading": "Chargement...",
+    "kpi_monthly": "Total mensuel",
+    "kpi_count": "Polices",
+    "kpi_covered": "Types couverts",
+    "checklist_title": "Couverture minimale recommandée",
+    "checklist_hint": "Ces quatre assurances constituent le minimum recommandé en Suisse pour chaque personne.",
+    "label_type": "Type d'assurance",
+    "label_insurer": "Assureur",
+    "label_policy_number": "Numéro de police",
+    "label_premium": "Prime (CHF)",
+    "label_period": "Fréquence de paiement",
+    "label_coverage": "Montant assuré (CHF)",
+    "label_deductible": "Franchise (CHF)",
+    "label_valid_from": "Valable dès",
+    "label_valid_until": "Valable jusqu'au",
+    "label_notes": "Remarques",
+    "placeholder_insurer": "ex. Helsana, AXA, CSS",
+    "placeholder_policy_number": "ex. 12345678",
+    "month_short": "mois",
+    "types": {
+      "kvg": "Assurance maladie (LAMal)",
+      "kk_zusatz": "Assurance complémentaire",
+      "nbu": "Accident (LAA)",
+      "haftpflicht": "Responsabilité civile",
+      "hausrat": "Ménage",
+      "mfz": "RC véhicule",
+      "rechtsschutz": "Protection juridique",
+      "saule_3a": "Pilier 3a",
+      "leben": "Assurance vie",
+      "reise": "Assurance voyage",
+      "other": "Autre"
+    },
+    "period": {
+      "monthly": "Mensuel",
+      "quarterly": "Trimestriel",
+      "semi_annual": "Semestriel",
+      "annual": "Annuel"
+    }
+  },
+  "insurance_docs": {
+    "title": "Documents d'assurance",
+    "subtitle": "Téléchargez vos polices et faites-les analyser par l'IA",
+    "coming_soon_title": "Upload PDF & analyse IA — Bientôt disponible",
+    "coming_soon_text": "Téléchargez vos polices d'assurance en PDF. L'IA (Claude) extrait automatiquement les informations les plus importantes."
+  },
+  "insurance_analyse": {
+    "title": "Analyse des assurances",
+    "subtitle": "Cible — Quelle couverture vous faut-il ?",
+    "coming_soon_title": "Analyse de couverture — Bientôt disponible",
+    "coming_soon_text": "Comparez votre situation actuelle avec les recommandations suisses et identifiez les lacunes.",
+    "tag_soll": "Situation cible",
+    "tag_gaps": "Lacunes",
+    "tag_recommendations": "Recommandations"
+  },
+  "priminfo": {
+    "title": "Priminfo — Calculateur de primes LAMal",
+    "subtitle": "Primes mensuelles moyennes par NPA, basées sur les données de l'OFSP",
+    "plz_label": "Entrez votre NPA",
+    "plz_placeholder": "ex. 8001",
+    "plz_hint": "Code postal suisse à 4 chiffres",
+    "search": "Rechercher",
+    "region_label": "Région de primes",
+    "col_child": "Enfants",
+    "col_young": "Jeunes adultes",
+    "col_adult": "Adultes",
+    "month": "mois",
+    "disclaimer": "Primes mensuelles moyennes {{ year }} (tous assureurs, tous modèles). Source : OFSP / Priminfo.",
+    "multi_ort_hint": "Ce NPA couvre plusieurs communes ou régions.",
+    "error_not_found": "Aucune donnée trouvée pour ce NPA.",
+    "no_results": "Aucun résultat.",
+    "cta_title": "Plus de détails sur priminfo.admin.ch",
+    "cta_text": "Coûts annuels, historique des primes et assurances complémentaires sur le site officiel de l'OFSP.",
+    "cta_btn": "Comparer sur Priminfo",
+    "info_title": "Que montre ce calculateur ?",
+    "info_1": "Les primes sont des moyennes cantonales calculées sur l'ensemble des assureurs et des modèles d'assurance (standard, médecin de famille, HMO, télémédecine).",
+    "info_2": "La région de primes (1, 2 ou 3) détermine le niveau des primes au sein d'un canton — la région 1 est généralement la plus chère.",
+    "info_3": "Pour une comparaison précise par assureur et par franchise, nous recommandons le calculateur officiel sur priminfo.admin.ch.",
+    "source": "Source : OFSP — ",
+    "vergleich_card_title": "Comparer les assureurs",
+    "vergleich_card_subtitle": "Primes détaillées par assureur, modèle et franchise",
+    "geburtsjahr_label": "Année de naissance",
+    "geburtsjahr_placeholder": "p.ex. 1990",
+    "modell_label": "Modèle d'assurance",
+    "modell_base": "Standard",
+    "modell_ham": "Médecin de famille",
+    "modell_hmo": "HMO",
+    "modell_div": "Autres modèles",
+    "franchise_label": "Franchise",
+    "unfall_label": "Couverture accidents",
+    "unfall_ohn": "Sans accidents",
+    "unfall_mit": "Avec accidents",
+    "unfall_note": "Les salariés peuvent exclure la couverture accidents si l'employeur a souscrit une assurance LAA.",
+    "vergleich_btn": "Comparer les assureurs",
+    "col_rank": "#",
+    "col_insurer": "Assureur",
+    "col_model": "Modèle",
+    "col_franchise": "Franchise",
+    "col_premium": "Prime/mois",
+    "cheapest_badge": "La moins chère",
+    "vergleich_data_year": "Primes {{ year }}",
+    "vergleich_no_results": "Aucun assureur trouvé pour cette combinaison. Essayez un autre modèle ou une autre franchise.",
+    "vergleich_hint": "Assureurs triés par prime croissante.",
+    "age_child": "Enfant (≤ 18 ans)",
+    "age_young": "Jeune adulte (19–25 ans)",
+    "age_adult": "Adulte (≥ 26 ans)"
   }
 }

frontend/src/assets/i18n/it.json

@@ -136,17 +136,6 @@
     "transactions": "Transazioni",
     "deadlines": "Scadenze"
   },
-  "sidebar": {
-    "dashboard": "Dashboard",
-    "budgets": "Budget",
-    "fixed_costs": "Costi fissi",
-    "expenses": "Spese",
-    "calendar": "Calendario",
-    "financial_year": "Pianificazione annuale",
-    "accounts": "Conti",
-    "revenue_accounts": "Conti entrate",
-    "transactions": "Transazioni"
-  },
   "dashboard": {
     "title": "Dashboard",
     "subtitle": "Panoramica finanziaria",
@@ -346,74 +335,6 @@
     "ZG": "Zugo",
     "ZH": "Zurigo"
   },
-  "household": {
-    "title": "Nucleo familiare",
-    "none": "Non fai ancora parte di nessun nucleo familiare.",
-    "none_hint": "Crea un nucleo familiare condiviso o attendi un invito.",
-    "create": "Crea nucleo familiare",
-    "create_title": "Nuovo nucleo familiare",
-    "label_name": "Nome del nucleo",
-    "placeholder_name": "es. Famiglia Müller",
-    "created_by": "Creato da",
-    "members": "Membri",
-    "invite": "Invita",
-    "invite_email": "Indirizzo e-mail",
-    "invite_placeholder": "user@esempio.ch",
-    "send": "Invia invito",
-    "status_active": "Attivo",
-    "status_pending": "In attesa",
-    "status_left": "Uscito",
-    "role_admin": "Admin",
-    "role_member": "Membro",
-    "make_admin": "Rendi admin",
-    "remove_admin": "Rimuovi admin",
-    "pending_invitation": "Invito ricevuto",
-    "pending_from": "Invitato da",
-    "effective_from": "Dall'anno",
-    "accept": "Accetta",
-    "leave": "Lascia il nucleo",
-    "leave_confirm_title": "Lasciare il nucleo?",
-    "leave_confirm_text": "Lascerai il nucleo alla fine dell'anno in corso. Gli anni passati rimarranno leggibili.",
-    "you": "tu",
-    "founder": "Fondatore",
-    "error_name_required": "Il nome è obbligatorio.",
-    "error_failed": "Operazione non riuscita.",
-    "error_email_required": "L'indirizzo e-mail è obbligatorio.",
-    "error_not_found": "Nessun utente trovato con questa e-mail.",
-    "error_already_member": "L'utente è già membro o ha un invito in sospeso."
-  },
-  "financial_year": {
-    "title": "Pianificazione annuale",
-    "owner_personal": "Personale",
-    "owner_household": "Nucleo familiare",
-    "new_year": "Avvia nuovo anno",
-    "no_years": "Nessun anno finanziario creato.",
-    "start_first_year": "Avvia il primo anno",
-    "tab_incomes": "Entrate",
-    "tab_budget_items": "Costi fissi",
-    "add_income": "Aggiungi entrata",
-    "add_budget_item": "Aggiungi costo fisso",
-    "label_name": "Denominazione",
-    "label_amount": "Importo (CHF / anno)",
-    "label_notes": "Note",
-    "label_active": "Attivo",
-    "total_income": "Entrate totali",
-    "total_fixed_costs": "Costi fissi totali",
-    "disposable": "Disponibile",
-    "savings_rate": "Tasso di risparmio",
-    "per_month": "mese",
-    "no_incomes": "Nessuna entrata registrata.",
-    "no_budget_items": "Nessun costo fisso registrato.",
-    "confirm_new_year": "Avviare l'anno {{ year }}?",
-    "confirm_copy": "Vuoi pre-compilare il nuovo anno con i dati di {{ source }}?",
-    "first_year_hint": "L'anno finanziario {{ year }} verrà creato.",
-    "create_year": "Crea anno",
-    "copy_yes": "Sì, copia i dati",
-    "copy_no": "Inizia vuoto",
-    "error_name_required": "La denominazione è obbligatoria.",
-    "error_amount_invalid": "Inserisci un importo valido.",
-    "error_save_failed": "Salvataggio non riuscito."
-  },
   "profile": {
     "title": "Profilo",
     "subtitle": "Gestisci le tue informazioni personali e impostazioni",
@@ -469,5 +390,134 @@
       "password_too_short": "La password deve contenere almeno 8 caratteri.",
       "password_failed": "Aggiornamento password fallito."
     }
+  },
+  "sidebar": {
+    "dashboard": "Dashboard",
+    "budgets": "Budget",
+    "fixed_costs": "Costi fissi",
+    "expenses": "Spese",
+    "calendar": "Calendario",
+    "accounts": "Conti",
+    "revenue_accounts": "Conti entrate",
+    "transactions": "Transazioni",
+    "insurance": "Assicurazioni",
+    "insurance_overview": "Panoramica",
+    "insurance_documents": "Documenti",
+    "insurance_analyse": "Analisi",
+    "insurance_priminfo": "Priminfo"
+  },
+  "insurance": {
+    "title": "Assicurazioni",
+    "subtitle": "La tua copertura assicurativa attuale — Situazione attuale",
+    "add": "Aggiungi assicurazione",
+    "create_title": "Nuova assicurazione",
+    "edit_title": "Modifica assicurazione",
+    "list_title": "Le tue assicurazioni",
+    "no_entries": "Nessuna assicurazione registrata.",
+    "loading": "Caricamento...",
+    "kpi_monthly": "Totale mensile",
+    "kpi_count": "Polizze",
+    "kpi_covered": "Tipi coperti",
+    "checklist_title": "Copertura minima raccomandata",
+    "checklist_hint": "Queste quattro assicurazioni sono il minimo raccomandato in Svizzera per ogni persona.",
+    "label_type": "Tipo di assicurazione",
+    "label_insurer": "Assicuratore",
+    "label_policy_number": "Numero polizza",
+    "label_premium": "Premio (CHF)",
+    "label_period": "Frequenza di pagamento",
+    "label_coverage": "Somma assicurata (CHF)",
+    "label_deductible": "Franchigia (CHF)",
+    "label_valid_from": "Valido dal",
+    "label_valid_until": "Valido fino al",
+    "label_notes": "Note",
+    "placeholder_insurer": "es. Helsana, AXA, CSS",
+    "placeholder_policy_number": "es. 12345678",
+    "month_short": "mese",
+    "types": {
+      "kvg": "Cassa malati (LAMal)",
+      "kk_zusatz": "Assicurazione complementare",
+      "nbu": "Infortuni (LAINF)",
+      "haftpflicht": "Responsabilità civile privata",
+      "hausrat": "Economia domestica",
+      "mfz": "RC veicoli",
+      "rechtsschutz": "Tutela legale",
+      "saule_3a": "Pilastro 3a",
+      "leben": "Assicurazione vita",
+      "reise": "Assicurazione viaggio",
+      "other": "Altro"
+    },
+    "period": {
+      "monthly": "Mensile",
+      "quarterly": "Trimestrale",
+      "semi_annual": "Semestrale",
+      "annual": "Annuale"
+    }
+  },
+  "insurance_docs": {
+    "title": "Documenti assicurativi",
+    "subtitle": "Carica le tue polizze e falle analizzare dall'IA",
+    "coming_soon_title": "Upload PDF & analisi IA — In arrivo",
+    "coming_soon_text": "Carica le tue polizze assicurative in PDF. L'IA (Claude) estrae automaticamente le informazioni più importanti."
+  },
+  "insurance_analyse": {
+    "title": "Analisi assicurativa",
+    "subtitle": "Obiettivo — Di quale copertura hai bisogno?",
+    "coming_soon_title": "Analisi della copertura — In arrivo",
+    "coming_soon_text": "Confronta la tua situazione attuale con le raccomandazioni svizzere e identifica le lacune.",
+    "tag_soll": "Situazione obiettivo",
+    "tag_gaps": "Lacune di copertura",
+    "tag_recommendations": "Raccomandazioni"
+  },
+  "priminfo": {
+    "title": "Priminfo — Calcolatore premi LAMal",
+    "subtitle": "Premi mensili medi per CAP, basati sui dati dell'UFSP",
+    "plz_label": "Inserisci il CAP",
+    "plz_placeholder": "es. 8001",
+    "plz_hint": "Codice postale svizzero a 4 cifre",
+    "search": "Cerca",
+    "region_label": "Regione tariffale",
+    "col_child": "Bambini",
+    "col_young": "Giovani adulti",
+    "col_adult": "Adulti",
+    "month": "mese",
+    "disclaimer": "Premi mensili medi {{ year }} (tutti gli assicuratori, tutti i modelli). Fonte: UFSP / Priminfo.",
+    "multi_ort_hint": "Questo CAP comprende più comuni o regioni.",
+    "error_not_found": "Nessun dato trovato per questo CAP.",
+    "no_results": "Nessun risultato.",
+    "cta_title": "Ulteriori dettagli su priminfo.admin.ch",
+    "cta_text": "Costi annuali, storico dei premi e assicurazioni complementari sul sito ufficiale dell'UFSP.",
+    "cta_btn": "Confronta su Priminfo",
+    "info_title": "Cosa mostra questo calcolatore?",
+    "info_1": "I premi sono medie cantonali calcolate su tutti gli assicuratori e tutti i modelli assicurativi (standard, medico di famiglia, HMO, telemedicina).",
+    "info_2": "La regione tariffale (1, 2 o 3) determina il livello dei premi all'interno di un cantone — la regione 1 è generalmente la più cara.",
+    "info_3": "Per un confronto preciso per assicuratore e franchigia, consigliamo il calcolatore ufficiale su priminfo.admin.ch.",
+    "source": "Fonte: UFSP — ",
+    "vergleich_card_title": "Confronta assicuratori",
+    "vergleich_card_subtitle": "Premi dettagliati per assicuratore, modello e franchigia",
+    "geburtsjahr_label": "Anno di nascita",
+    "geburtsjahr_placeholder": "es. 1990",
+    "modell_label": "Modello assicurativo",
+    "modell_base": "Standard",
+    "modell_ham": "Medico di base",
+    "modell_hmo": "HMO",
+    "modell_div": "Altri modelli",
+    "franchise_label": "Franchigia",
+    "unfall_label": "Copertura infortuni",
+    "unfall_ohn": "Senza infortuni",
+    "unfall_mit": "Con infortuni",
+    "unfall_note": "I dipendenti possono escludere la copertura infortuni se il datore di lavoro ha stipulato un'assicurazione AINF.",
+    "vergleich_btn": "Confronta assicuratori",
+    "col_rank": "#",
+    "col_insurer": "Assicuratore",
+    "col_model": "Modello",
+    "col_franchise": "Franchigia",
+    "col_premium": "Premio/mese",
+    "cheapest_badge": "Più economico",
+    "vergleich_data_year": "Premi {{ year }}",
+    "vergleich_no_results": "Nessun assicuratore trovato per questa combinazione. Provare un altro modello o franchigia.",
+    "vergleich_hint": "Assicuratori ordinati per premio crescente.",
+    "age_child": "Bambino (≤ 18 anni)",
+    "age_young": "Giovane adulto (19–25 anni)",
+    "age_adult": "Adulto (≥ 26 anni)"
   }
 }