Kann ich Monarch Money vibecoden?

Build me a CSV-first personal finance dashboard to replace Monarch Money. Requirements:

- Node + Express + better-sqlite3 on localhost:4910, server-rendered pages with
  Chart.js for the graphs.
- Import bank and card CSV exports: per-bank column mapping saved after the first
  import, dedupe on a date+amount+description hash so re-imports are always safe.
- Rule-based categorization: substring or regex on description sets the category,
  rules run on import, and a fast keyboard-driven screen clears the leftovers.
- Monthly budget targets per category with actual-vs-budget bars and overspend
  flags, plus a cash-flow view by month.
- An accounts table including manual balances for things without CSVs (pension,
  property); a net-worth chart built from balance snapshots I enter monthly.
- A recurring-charge detector: same merchant, similar amount, monthly cadence,
  listed with annualized cost. That is the subscription-audit view.
- Everything local in one SQLite file, no bank credentials anywhere, no accounts,
  no telemetry. Nightly DB copy to backups/, keep 30.
- Out of scope: automatic bank sync via Plaid, household multi-user, and mobile
  apps. The monthly CSV ritual is the price of keeping credentials out of this.
- README: import walkthrough for two example bank CSV formats, backup location.

Antworte mir auf Deutsch. Oberfläche, Kommentare und README auf Deutsch, alle Bezeichner wie Tabellen, Spalten, Variablen, Routen und Dateinamen bleiben Englisch.