docs: define milestone v2.0 requirements

.planning/REQUIREMENTS.md

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+# Requirements: SimpleFinanceDash
+
+**Defined:** 2026-04-02
+**Core Value:** Opening the app should feel like opening a beautifully designed personal spreadsheet — clean pastel colors, clear data layout, approachable and visually delightful. The UI IS the product.
+
+## v2.0 Requirements
+
+Requirements for UX Simplification & Design Rework. Each maps to roadmap phases.
+
+### Design System
+
+- [ ] **DS-01**: User sees sharp-edged UI across all pages (no rounded corners)
+- [ ] **DS-02**: User sees clear pastel colors that are visibly colorful, not washed out
+- [ ] **DS-03**: User sees a clean, minimal layout with generous whitespace
+
+### Setup Wizard
+
+- [ ] **SETUP-01**: New user is guided through a 3-step wizard: income → recurring items → review
+- [ ] **SETUP-02**: User sees pre-filled common budget items with sensible default amounts (~15-20 items: rent, groceries, car insurance, utilities, etc.)
+- [ ] **SETUP-03**: User can skip any wizard step or the entire wizard
+- [ ] **SETUP-04**: User sees a live "remaining to allocate" balance updating as items are selected in the wizard
+- [ ] **SETUP-05**: User's template is created from wizard selections on completion
+
+### Auto-Budget
+
+- [ ] **AUTO-01**: User's monthly budget is auto-created from template when visiting a month for the first time
+- [ ] **AUTO-02**: User sees a toast notification on the first auto-creation only
+- [ ] **AUTO-03**: Auto-creation uses the user's configured currency, not a hardcoded default
+
+### Budget View
+
+- [ ] **BV-01**: User can add one-off items to the monthly budget via an inline sheet panel (from category library)
+- [ ] **BV-02**: Quick Add page is removed from navigation
+- [ ] **BV-03**: User sees empty state with clear CTA when template, budget, or dashboard is empty
+
+### Dashboard
+
+- [ ] **DASH-01**: Dashboard correctly displays budget and spending data the user entered
+- [ ] **DASH-02**: Dashboard shows this month's budget at a glance (simplified view, not chart overload)
+- [ ] **DASH-03**: Dashboard shows summary cards for income, expenses, and balance
+
+## v3 Requirements
+
+Deferred to future release. Tracked but not in current roadmap.
+
+### Analytics & Insights
+
+- **ANALYTICS-01**: User can see spending trends over months
+- **ANALYTICS-02**: User gets income-based spending recommendations by category
+
+### Integrations
+
+- **IMPORT-01**: User can import actuals from CSV/bank export
+- **IMPORT-02**: User can import recurring transactions automatically
+
+### Polish
+
+- **POLISH-01**: User can use the app in dark mode
+- **POLISH-02**: User sees "Review your template" prompt after 3 months of use
+- **POLISH-03**: User sees "Edit template" shortcut link from budget view
+
+## Out of Scope
+
+| Feature | Reason |
+|---------|--------|
+| AI-suggested budget amounts | Requires spending history that new users don't have; static defaults sufficient |
+| Mandatory wizard (no skip) | Anti-feature — patronizing for returning users; YNAB removed forced onboarding |
+| 6+ step wizard | Drop-off increases sharply beyond 3 steps |
+| Bank account sync (Plaid) | High infrastructure/security cost for self-hosted tool |
+| Shared/household budgets | Single-user app; future consideration |
+| Mobile-first optimization | Desktop-first; basic responsiveness only |
+| Keep Quick Add as separate page alongside inline add | Two surfaces for same action creates confusion |
+
+## Traceability
+
+Which phases cover which requirements. Updated during roadmap creation.
+
+| Requirement | Phase | Status |
+|-------------|-------|--------|
+| DS-01 | — | Pending |
+| DS-02 | — | Pending |
+| DS-03 | — | Pending |
+| SETUP-01 | — | Pending |
+| SETUP-02 | — | Pending |
+| SETUP-03 | — | Pending |
+| SETUP-04 | — | Pending |
+| SETUP-05 | — | Pending |
+| AUTO-01 | — | Pending |
+| AUTO-02 | — | Pending |
+| AUTO-03 | — | Pending |
+| BV-01 | — | Pending |
+| BV-02 | — | Pending |
+| BV-03 | — | Pending |
+| DASH-01 | — | Pending |
+| DASH-02 | — | Pending |
+| DASH-03 | — | Pending |
+
+**Coverage:**
+- v2.0 requirements: 17 total
+- Mapped to phases: 0
+- Unmapped: 17 ⚠️
+
+---
+*Requirements defined: 2026-04-02*
+*Last updated: 2026-04-02 after initial definition*