Headroom: The Private Finance Overview School Never Gave You

Description and use

Headroom is a self-hosted, open-source dashboard that aggregates salary, tax, debt, and savings data into a single view, enabling users to manage budgets and goals without sharing data or paying subscription fees.

Problem

Users lack a consolidated view of personal finances, with no tool that aggregates salary, taxes, debt, and savings without requiring bank logins or subscription fees.

Outcome

Headroom enables users to see what they truly earn after taxes and debt, plan budgets, track goals, and analyze salary changes without sharing data with third parties or paying subscription fees.

Workflow

• 1. Clone the headroom repository from GitHub.
• 2. Build and run the Docker container to launch the local instance.
• 3. Import payslip PDFs (currently Visma format) or manually enter salary data.
• 4. Configure tax brackets or use the default Norwegian rules.
• 5. View the dashboard to see equity, budget, goals, and cash flow charts.
• 6. Adjust budget percentages and goal targets to simulate different scenarios.

Evidence

Headroom is that overview, and it is not another SaaS. Open source and free, one container on your own machine, no account and no subscription.

Source

The obvious version of this is a SaaS. Sign up, connect your bank, 79 kroner a month.

Source

Everything around that is generic. Switch the region to generic and the tax rules collapse to one flat rate you type in yourself.

Source

The same page traces one month from gross to what is genuinely free, with the marginal rate on the next krone in the corner. 43% is what an extra shift is really worth.

Source