Initial commit: MyMidas personal finance tracker

Full-stack self-hosted finance app with FastAPI backend and React frontend.

Features:
- Accounts, transactions, budgets, investments with GBP base currency
- CSV import with auto-detection for 10 UK bank formats
- ML predictions: spending forecast, net worth projection, Monte Carlo
- 7 selectable themes (Obsidian, Arctic, Midnight, Vault, Terminal, Synthwave, Ledger)
- Receipt/document attachments on transactions (JPEG, PNG, WebP, PDF)
- AES-256-GCM field encryption, RS256 JWT, TOTP 2FA, RLS, audit log
- Encrypted nightly backups + key rotation script
- Mobile-responsive layout with bottom nav

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

backend/app/db/models/__init__.py

@@ -0,0 +1,19 @@
+from app.db.models.user import User
+from app.db.models.session import Session
+from app.db.models.account import Account
+from app.db.models.category import Category
+from app.db.models.transaction import Transaction
+from app.db.models.budget import Budget
+from app.db.models.asset import Asset
+from app.db.models.asset_price import AssetPrice
+from app.db.models.investment_holding import InvestmentHolding
+from app.db.models.investment_transaction import InvestmentTransaction
+from app.db.models.currency import Currency, ExchangeRate
+from app.db.models.net_worth_snapshot import NetWorthSnapshot
+from app.db.models.audit_log import AuditLog
+
+__all__ = [
+    "User", "Session", "Account", "Category", "Transaction", "Budget",
+    "Asset", "AssetPrice", "InvestmentHolding", "InvestmentTransaction",
+    "Currency", "ExchangeRate", "NetWorthSnapshot", "AuditLog",
+]

backend/app/db/models/account.py

@@ -0,0 +1,36 @@
+import uuid
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import Boolean, DateTime, ForeignKey, LargeBinary, Numeric, String, Text
+from sqlalchemy.dialects.postgresql import JSONB, UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class Account(Base):
+    __tablename__ = "accounts"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False, index=True)
+    name_enc: Mapped[bytes] = mapped_column("name", LargeBinary, nullable=False)
+    institution_enc: Mapped[bytes | None] = mapped_column("institution", LargeBinary, nullable=True)
+    type: Mapped[str] = mapped_column(String(30), nullable=False)
+    currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    current_balance: Mapped[Decimal] = mapped_column(Numeric(20, 8), default=0, nullable=False)
+    credit_limit: Mapped[Decimal | None] = mapped_column(Numeric(20, 8), nullable=True)
+    interest_rate: Mapped[Decimal | None] = mapped_column(Numeric(8, 4), nullable=True)
+    is_active: Mapped[bool] = mapped_column(Boolean, default=True, nullable=False)
+    include_in_net_worth: Mapped[bool] = mapped_column(Boolean, default=True, nullable=False)
+    color: Mapped[str] = mapped_column(String(7), default="#6366f1", nullable=False)
+    icon: Mapped[str | None] = mapped_column(Text, nullable=True)
+    notes_enc: Mapped[bytes | None] = mapped_column("notes", LargeBinary, nullable=True)
+    meta: Mapped[dict] = mapped_column(JSONB, default=dict, nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    deleted_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+
+    user: Mapped["User"] = relationship(back_populates="accounts", lazy="noload")  # type: ignore[name-defined]
+    transactions: Mapped[list["Transaction"]] = relationship(foreign_keys="Transaction.account_id", back_populates="account", lazy="noload")  # type: ignore[name-defined]
+    holdings: Mapped[list["InvestmentHolding"]] = relationship(back_populates="account", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/asset.py

@@ -0,0 +1,32 @@
+import uuid
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import Boolean, DateTime, Numeric, String, Text
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class Asset(Base):
+    __tablename__ = "assets"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    symbol: Mapped[str] = mapped_column(Text, nullable=False, index=True)
+    name: Mapped[str] = mapped_column(Text, nullable=False)
+    type: Mapped[str] = mapped_column(String(30), nullable=False)  # stock|etf|mutual_fund|bond|crypto|commodity|other
+    currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    exchange: Mapped[str | None] = mapped_column(Text, nullable=True)
+    isin: Mapped[str | None] = mapped_column(String(12), nullable=True)
+    data_source: Mapped[str] = mapped_column(String(30), default="yahoo_finance", nullable=False)
+    data_source_id: Mapped[str | None] = mapped_column(Text, nullable=True)
+    last_price: Mapped[Decimal | None] = mapped_column(Numeric(20, 8), nullable=True)
+    last_price_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+    price_change_24h: Mapped[Decimal | None] = mapped_column(Numeric(10, 4), nullable=True)
+    is_active: Mapped[bool] = mapped_column(Boolean, default=True, nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    prices: Mapped[list["AssetPrice"]] = relationship(back_populates="asset", lazy="noload")  # type: ignore[name-defined]
+    holdings: Mapped[list["InvestmentHolding"]] = relationship(back_populates="asset", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/asset_price.py

@@ -0,0 +1,25 @@
+import uuid
+from datetime import date, datetime
+from decimal import Decimal
+
+from sqlalchemy import Date, DateTime, ForeignKey, Numeric
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class AssetPrice(Base):
+    __tablename__ = "asset_prices"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    asset_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("assets.id", ondelete="CASCADE"), nullable=False, index=True)
+    date: Mapped[date] = mapped_column(Date, nullable=False, index=True)
+    open: Mapped[Decimal | None] = mapped_column(Numeric(20, 8), nullable=True)
+    high: Mapped[Decimal | None] = mapped_column(Numeric(20, 8), nullable=True)
+    low: Mapped[Decimal | None] = mapped_column(Numeric(20, 8), nullable=True)
+    close: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    volume: Mapped[Decimal | None] = mapped_column(Numeric(30, 8), nullable=True)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    asset: Mapped["Asset"] = relationship(back_populates="prices", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/audit_log.py

@@ -0,0 +1,23 @@
+import uuid
+from datetime import datetime
+
+from sqlalchemy import Boolean, DateTime, ForeignKey, String, Text
+from sqlalchemy.dialects.postgresql import INET, JSONB, UUID
+from sqlalchemy.orm import Mapped, mapped_column
+
+from app.db.base import Base
+
+
+class AuditLog(Base):
+    __tablename__ = "audit_logs"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="SET NULL"), nullable=True, index=True)
+    action: Mapped[str] = mapped_column(String(50), nullable=False, index=True)
+    resource_type: Mapped[str | None] = mapped_column(Text, nullable=True)
+    resource_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), nullable=True)
+    ip_address: Mapped[str | None] = mapped_column(INET, nullable=True)
+    user_agent: Mapped[str | None] = mapped_column(Text, nullable=True)
+    meta: Mapped[dict] = mapped_column("metadata", JSONB, default=dict, nullable=False)
+    success: Mapped[bool] = mapped_column(Boolean, default=True, nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)

backend/app/db/models/budget.py

@@ -0,0 +1,30 @@
+import uuid
+from datetime import date, datetime
+from decimal import Decimal
+
+from sqlalchemy import Boolean, Date, DateTime, ForeignKey, Numeric, String, Text
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class Budget(Base):
+    __tablename__ = "budgets"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False, index=True)
+    category_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("categories.id"), nullable=False)
+    name: Mapped[str] = mapped_column(Text, nullable=False)
+    amount: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    period: Mapped[str] = mapped_column(String(20), nullable=False)  # weekly|monthly|quarterly|yearly
+    start_date: Mapped[date] = mapped_column(Date, nullable=False)
+    end_date: Mapped[date | None] = mapped_column(Date, nullable=True)
+    rollover: Mapped[bool] = mapped_column(Boolean, default=False, nullable=False)
+    alert_threshold: Mapped[Decimal] = mapped_column(Numeric(5, 2), default=80, nullable=False)
+    is_active: Mapped[bool] = mapped_column(Boolean, default=True, nullable=False, index=True)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    category: Mapped["Category"] = relationship(back_populates="budgets", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/category.py

@@ -0,0 +1,26 @@
+import uuid
+from datetime import datetime
+
+from sqlalchemy import Boolean, DateTime, ForeignKey, Integer, String, Text
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class Category(Base):
+    __tablename__ = "categories"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=True, index=True)
+    name: Mapped[str] = mapped_column(Text, nullable=False)
+    parent_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), ForeignKey("categories.id"), nullable=True)
+    type: Mapped[str] = mapped_column(String(20), nullable=False)  # income | expense | transfer
+    icon: Mapped[str | None] = mapped_column(Text, nullable=True)
+    color: Mapped[str | None] = mapped_column(String(7), nullable=True)
+    is_system: Mapped[bool] = mapped_column(Boolean, default=False, nullable=False)
+    sort_order: Mapped[int] = mapped_column(Integer, default=0, nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    children: Mapped[list["Category"]] = relationship(lazy="noload")
+    budgets: Mapped[list["Budget"]] = relationship(back_populates="category", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/currency.py

@@ -0,0 +1,31 @@
+import uuid
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import Boolean, DateTime, Integer, Numeric, String, Text
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column
+
+from app.db.base import Base
+
+
+class Currency(Base):
+    __tablename__ = "currencies"
+
+    code: Mapped[str] = mapped_column(String(10), primary_key=True)
+    name: Mapped[str] = mapped_column(Text, nullable=False)
+    symbol: Mapped[str] = mapped_column(String(5), nullable=False)
+    is_crypto: Mapped[bool] = mapped_column(Boolean, default=False, nullable=False)
+    decimal_places: Mapped[int] = mapped_column(Integer, default=2, nullable=False)
+    is_active: Mapped[bool] = mapped_column(Boolean, default=True, nullable=False)
+
+
+class ExchangeRate(Base):
+    __tablename__ = "exchange_rates"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    base_currency: Mapped[str] = mapped_column(String(10), nullable=False, index=True)
+    quote_currency: Mapped[str] = mapped_column(String(10), nullable=False, index=True)
+    rate: Mapped[Decimal] = mapped_column(Numeric(20, 10), nullable=False)
+    source: Mapped[str] = mapped_column(String(50), nullable=False)
+    fetched_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False, index=True)

backend/app/db/models/investment_holding.py

@@ -0,0 +1,27 @@
+import uuid
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import DateTime, ForeignKey, Numeric, String
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class InvestmentHolding(Base):
+    __tablename__ = "investment_holdings"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False, index=True)
+    account_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("accounts.id"), nullable=False)
+    asset_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("assets.id"), nullable=False)
+    quantity: Mapped[Decimal] = mapped_column(Numeric(30, 10), default=0, nullable=False)
+    avg_cost_basis: Mapped[Decimal] = mapped_column(Numeric(20, 8), default=0, nullable=False)
+    currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    account: Mapped["Account"] = relationship(back_populates="holdings", lazy="noload")  # type: ignore[name-defined]
+    asset: Mapped["Asset"] = relationship(back_populates="holdings", lazy="noload")  # type: ignore[name-defined]
+    investment_transactions: Mapped[list["InvestmentTransaction"]] = relationship(back_populates="holding", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/investment_transaction.py

@@ -0,0 +1,29 @@
+import uuid
+from datetime import date, datetime
+from decimal import Decimal
+
+from sqlalchemy import Date, DateTime, ForeignKey, LargeBinary, Numeric, String
+from sqlalchemy.dialects.postgresql import UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class InvestmentTransaction(Base):
+    __tablename__ = "investment_transactions"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False, index=True)
+    holding_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("investment_holdings.id"), nullable=False, index=True)
+    transaction_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), ForeignKey("transactions.id"), nullable=True)
+    type: Mapped[str] = mapped_column(String(20), nullable=False)  # buy|sell|dividend|split|merger|transfer_in|transfer_out|fee
+    quantity: Mapped[Decimal] = mapped_column(Numeric(30, 10), nullable=False)
+    price: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    fees: Mapped[Decimal] = mapped_column(Numeric(20, 8), default=0, nullable=False)
+    total_amount: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    date: Mapped[date] = mapped_column(Date, nullable=False, index=True)
+    notes_enc: Mapped[bytes | None] = mapped_column("notes", LargeBinary, nullable=True)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    holding: Mapped["InvestmentHolding"] = relationship(back_populates="investment_transactions", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/net_worth_snapshot.py

@@ -0,0 +1,23 @@
+import uuid
+from datetime import date, datetime
+from decimal import Decimal
+
+from sqlalchemy import Date, DateTime, ForeignKey, Numeric, String
+from sqlalchemy.dialects.postgresql import JSONB, UUID
+from sqlalchemy.orm import Mapped, mapped_column
+
+from app.db.base import Base
+
+
+class NetWorthSnapshot(Base):
+    __tablename__ = "net_worth_snapshots"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False)
+    date: Mapped[date] = mapped_column(Date, nullable=False)
+    total_assets: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    total_liabilities: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    net_worth: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    base_currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    breakdown: Mapped[dict] = mapped_column(JSONB, default=dict, nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)

backend/app/db/models/session.py

@@ -0,0 +1,24 @@
+import uuid
+from datetime import datetime
+
+from sqlalchemy import Boolean, DateTime, ForeignKey, Text
+from sqlalchemy.dialects.postgresql import INET, UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class Session(Base):
+    __tablename__ = "sessions"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False, index=True)
+    token_hash: Mapped[str] = mapped_column(Text, unique=True, nullable=False, index=True)
+    ip_address: Mapped[str | None] = mapped_column(INET, nullable=True)
+    user_agent: Mapped[str | None] = mapped_column(Text, nullable=True)
+    last_active_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    expires_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    revoked_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+
+    user: Mapped["User"] = relationship(back_populates="sessions", lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/transaction.py

@@ -0,0 +1,42 @@
+import uuid
+from datetime import date, datetime
+from decimal import Decimal
+
+from sqlalchemy import Boolean, Date, DateTime, ForeignKey, LargeBinary, Numeric, String, Text
+from sqlalchemy.dialects.postgresql import ARRAY, JSONB, UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class Transaction(Base):
+    __tablename__ = "transactions"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    user_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("users.id", ondelete="CASCADE"), nullable=False, index=True)
+    account_id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), ForeignKey("accounts.id"), nullable=False, index=True)
+    transfer_account_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), ForeignKey("accounts.id"), nullable=True)
+    category_id: Mapped[uuid.UUID | None] = mapped_column(UUID(as_uuid=True), ForeignKey("categories.id"), nullable=True, index=True)
+    type: Mapped[str] = mapped_column(String(20), nullable=False)    # income|expense|transfer|investment
+    status: Mapped[str] = mapped_column(String(20), default="cleared", nullable=False)
+    amount: Mapped[Decimal] = mapped_column(Numeric(20, 8), nullable=False)
+    amount_base: Mapped[Decimal | None] = mapped_column(Numeric(20, 8), nullable=True)
+    currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    base_currency: Mapped[str] = mapped_column(String(10), nullable=False)
+    exchange_rate: Mapped[Decimal | None] = mapped_column(Numeric(20, 10), nullable=True)
+    date: Mapped[date] = mapped_column(Date, nullable=False, index=True)
+    description_enc: Mapped[bytes] = mapped_column("description", LargeBinary, nullable=False)
+    merchant_enc: Mapped[bytes | None] = mapped_column("merchant", LargeBinary, nullable=True)
+    notes_enc: Mapped[bytes | None] = mapped_column("notes", LargeBinary, nullable=True)
+    tags: Mapped[list[str]] = mapped_column(ARRAY(Text), default=list, nullable=False)
+    is_recurring: Mapped[bool] = mapped_column(Boolean, default=False, nullable=False)
+    recurring_rule: Mapped[dict | None] = mapped_column(JSONB, nullable=True)
+    attachment_refs: Mapped[list] = mapped_column(JSONB, default=list, nullable=False)
+    import_hash: Mapped[str | None] = mapped_column(Text, nullable=True, index=True)
+    meta: Mapped[dict] = mapped_column(JSONB, default=dict, nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    deleted_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+
+    account: Mapped["Account"] = relationship(foreign_keys=[account_id], back_populates="transactions", lazy="noload")  # type: ignore[name-defined]
+    category: Mapped["Category | None"] = relationship(lazy="noload")  # type: ignore[name-defined]

backend/app/db/models/user.py

@@ -0,0 +1,33 @@
+import uuid
+from datetime import datetime
+
+from sqlalchemy import Boolean, DateTime, Integer, String, Text
+from sqlalchemy.dialects.postgresql import INET, UUID
+from sqlalchemy.orm import Mapped, mapped_column, relationship
+
+from app.db.base import Base
+
+
+class User(Base):
+    __tablename__ = "users"
+
+    id: Mapped[uuid.UUID] = mapped_column(UUID(as_uuid=True), primary_key=True, default=uuid.uuid4)
+    email: Mapped[str] = mapped_column(Text, unique=True, nullable=False, index=True)
+    password_hash: Mapped[str] = mapped_column(Text, nullable=False)
+    totp_secret_enc: Mapped[bytes | None] = mapped_column("totp_secret", type_=String, nullable=True)
+    totp_enabled: Mapped[bool] = mapped_column(Boolean, default=False, nullable=False)
+    totp_backup_codes_enc: Mapped[str | None] = mapped_column("totp_backup_codes", Text, nullable=True)
+    display_name: Mapped[str] = mapped_column(Text, nullable=False)
+    base_currency: Mapped[str] = mapped_column(String(10), default="GBP", nullable=False)
+    theme: Mapped[str] = mapped_column(String(20), default="dark", nullable=False)
+    locale: Mapped[str] = mapped_column(String(20), default="en-GB", nullable=False)
+    failed_login_attempts: Mapped[int] = mapped_column(Integer, default=0, nullable=False)
+    locked_until: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+    last_login_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+    last_login_ip: Mapped[str | None] = mapped_column(INET, nullable=True)
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), nullable=False)
+    deleted_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True), nullable=True)
+
+    accounts: Mapped[list["Account"]] = relationship(back_populates="user", lazy="noload")  # type: ignore[name-defined]
+    sessions: Mapped[list["Session"]] = relationship(back_populates="user", lazy="noload")  # type: ignore[name-defined]