Headroom: The Private Finance Overview School Never Gave You

Описание и применение

Headroom – это локальное приложение, которое объединяет данные о зарплате, налогах, долгах и сбережениях, предоставляя пользователю полный обзор финансов без необходимости делиться данными с SaaS‑провайдерами.

Задача

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.

Результат

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.

Рабочий процесс

• 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.

Доказательства

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.

Источник

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

Источник

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

Источник

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.

Источник