Headroom: The Private Finance Overview School Never Gave You

说明与用途

Headroom 是一个自托管、开源的仪表盘，整合工资、税收、债务和储蓄数据，帮助用户在不共享数据或支付订阅费的情况下管理预算和目标。

问题

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.

结果

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.

工作流

• 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.

证据

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.

来源

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

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

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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.

来源