initial version

PortfolioJournal/Models/CategoryEvolutionPoint.swift

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+import Foundation
+
+struct CategoryEvolutionPoint: Identifiable {
+    let date: Date
+    let categoryName: String
+    let colorHex: String
+    let value: Decimal
+
+    var id: String {
+        "\(categoryName)-\(date.timeIntervalSince1970)"
+    }
+}

PortfolioJournal/Models/CoreData/Account+CoreDataClass.swift

@@ -0,0 +1,54 @@
+import Foundation
+import CoreData
+
+@objc(Account)
+public class Account: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<Account> {
+        return NSFetchRequest<Account>(entityName: "Account")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var name: String
+    @NSManaged public var createdAt: Date
+    @NSManaged public var currency: String?
+    @NSManaged public var inputMode: String
+    @NSManaged public var notificationFrequency: String
+    @NSManaged public var customFrequencyMonths: Int16
+    @NSManaged public var sortOrder: Int16
+    @NSManaged public var sources: NSSet?
+    @NSManaged public var goals: NSSet?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        createdAt = Date()
+        name = "Account"
+        inputMode = InputMode.simple.rawValue
+        notificationFrequency = NotificationFrequency.monthly.rawValue
+        customFrequencyMonths = 1
+        sortOrder = 0
+    }
+}
+
+// MARK: - Computed Properties
+
+extension Account {
+    var sourcesArray: [InvestmentSource] {
+        let set = sources as? Set<InvestmentSource> ?? []
+        return set.sorted { $0.name < $1.name }
+    }
+
+    var goalsArray: [Goal] {
+        let set = goals as? Set<Goal> ?? []
+        return set.sorted { $0.createdAt < $1.createdAt }
+    }
+
+    var frequency: NotificationFrequency {
+        NotificationFrequency(rawValue: notificationFrequency) ?? .monthly
+    }
+
+    var currencyCode: String? {
+        currency?.isEmpty == false ? currency : nil
+    }
+}
+

PortfolioJournal/Models/CoreData/AppSettings+CoreDataClass.swift

@@ -0,0 +1,81 @@
+import Foundation
+import CoreData
+
+@objc(AppSettings)
+public class AppSettings: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<AppSettings> {
+        return NSFetchRequest<AppSettings>(entityName: "AppSettings")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var currency: String
+    @NSManaged public var defaultNotificationTime: Date?
+    @NSManaged public var enableAnalytics: Bool
+    @NSManaged public var onboardingCompleted: Bool
+    @NSManaged public var lastSyncDate: Date?
+    @NSManaged public var createdAt: Date
+    @NSManaged public var inputMode: String
+    @NSManaged public var selectedAccountId: UUID?
+    @NSManaged public var showAllAccounts: Bool
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        let localeCode = Locale.current.currency?.identifier
+        currency = CurrencyPicker.commonCodes.contains(localeCode ?? "")
+            ? (localeCode ?? "EUR")
+            : "EUR"
+        enableAnalytics = true
+        onboardingCompleted = false
+        inputMode = InputMode.simple.rawValue
+        showAllAccounts = true
+        createdAt = Date()
+
+        // Default notification time: 9:00 AM
+        var components = DateComponents()
+        components.hour = 9
+        components.minute = 0
+        defaultNotificationTime = Calendar.current.date(from: components)
+    }
+}
+
+// MARK: - Computed Properties
+
+extension AppSettings {
+    var currencySymbol: String {
+        let formatter = NumberFormatter()
+        formatter.numberStyle = .currency
+        formatter.currencyCode = currency
+        return formatter.currencySymbol ?? "€"
+    }
+
+    var notificationTimeString: String {
+        guard let time = defaultNotificationTime else { return "9:00 AM" }
+        let formatter = DateFormatter()
+        formatter.timeStyle = .short
+        return formatter.string(from: time)
+    }
+}
+
+// MARK: - Static Helpers
+
+extension AppSettings {
+    static func getOrCreate(in context: NSManagedObjectContext) -> AppSettings {
+        let request: NSFetchRequest<AppSettings> = AppSettings.fetchRequest()
+        request.fetchLimit = 1
+
+        if let existing = try? context.fetch(request).first {
+            return existing
+        }
+
+        let new = AppSettings(context: context)
+        try? context.save()
+        return new
+    }
+
+    static func markOnboardingComplete(in context: NSManagedObjectContext) {
+        let settings = getOrCreate(in: context)
+        settings.onboardingCompleted = true
+        try? context.save()
+    }
+}

PortfolioJournal/Models/CoreData/Asset+CoreDataClass.swift

@@ -0,0 +1,50 @@
+import Foundation
+import CoreData
+
+@objc(Asset)
+public class Asset: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<Asset> {
+        return NSFetchRequest<Asset>(entityName: "Asset")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var name: String
+    @NSManaged public var symbol: String?
+    @NSManaged public var type: String
+    @NSManaged public var currency: String?
+    @NSManaged public var createdAt: Date
+    @NSManaged public var sources: NSSet?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        createdAt = Date()
+        name = ""
+        type = AssetType.stock.rawValue
+    }
+}
+
+enum AssetType: String, CaseIterable, Identifiable {
+    case stock
+    case etf
+    case crypto
+    case fund
+    case cash
+    case realEstate
+    case other
+
+    var id: String { rawValue }
+
+    var displayName: String {
+        switch self {
+        case .stock: return "Stock"
+        case .etf: return "ETF"
+        case .crypto: return "Crypto"
+        case .fund: return "Fund"
+        case .cash: return "Cash"
+        case .realEstate: return "Real Estate"
+        case .other: return "Other"
+        }
+    }
+}
+

PortfolioJournal/Models/CoreData/Category+CoreDataClass.swift

@@ -0,0 +1,92 @@
+import Foundation
+import CoreData
+import SwiftUI
+
+@objc(Category)
+public class Category: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<Category> {
+        return NSFetchRequest<Category>(entityName: "Category")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var name: String
+    @NSManaged public var colorHex: String
+    @NSManaged public var icon: String
+    @NSManaged public var sortOrder: Int16
+    @NSManaged public var createdAt: Date
+    @NSManaged public var sources: NSSet?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        createdAt = Date()
+        sortOrder = 0
+        colorHex = "#3B82F6"
+        icon = "chart.pie.fill"
+        name = ""
+    }
+}
+
+// MARK: - Computed Properties
+
+extension Category {
+    var color: Color {
+        Color(hex: colorHex) ?? .blue
+    }
+
+    var sourcesArray: [InvestmentSource] {
+        let set = sources as? Set<InvestmentSource> ?? []
+        return set.sorted { $0.name < $1.name }
+    }
+
+    var sourceCount: Int {
+        sources?.count ?? 0
+    }
+
+    var totalValue: Decimal {
+        sourcesArray.reduce(Decimal.zero) { $0 + $1.latestValue }
+    }
+}
+
+// MARK: - Generated accessors for sources
+
+extension Category {
+    @objc(addSourcesObject:)
+    @NSManaged public func addToSources(_ value: InvestmentSource)
+
+    @objc(removeSourcesObject:)
+    @NSManaged public func removeFromSources(_ value: InvestmentSource)
+
+    @objc(addSources:)
+    @NSManaged public func addToSources(_ values: NSSet)
+
+    @objc(removeSources:)
+    @NSManaged public func removeFromSources(_ values: NSSet)
+}
+
+// MARK: - Default Categories
+
+extension Category {
+    static let defaultCategories: [(name: String, colorHex: String, icon: String)] = [
+        ("Stocks", "#10B981", "chart.line.uptrend.xyaxis"),
+        ("Bonds", "#3B82F6", "building.columns.fill"),
+        ("Real Estate", "#F59E0B", "house.fill"),
+        ("Crypto", "#8B5CF6", "bitcoinsign.circle.fill"),
+        ("Cash", "#6B7280", "banknote.fill"),
+        ("ETFs", "#EC4899", "chart.bar.fill"),
+        ("Retirement", "#14B8A6", "person.fill"),
+        ("Other", "#64748B", "ellipsis.circle.fill")
+    ]
+
+    static func createDefaultCategories(in context: NSManagedObjectContext) {
+        for (index, categoryData) in defaultCategories.enumerated() {
+            let category = Category(context: context)
+            category.name = categoryData.name
+            category.colorHex = categoryData.colorHex
+            category.icon = categoryData.icon
+            category.sortOrder = Int16(index)
+        }
+
+        try? context.save()
+    }
+}

PortfolioJournal/Models/CoreData/Goal+CoreDataClass.swift

@@ -0,0 +1,34 @@
+import Foundation
+import CoreData
+
+@objc(Goal)
+public class Goal: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<Goal> {
+        return NSFetchRequest<Goal>(entityName: "Goal")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var name: String
+    @NSManaged public var targetAmount: NSDecimalNumber?
+    @NSManaged public var targetDate: Date?
+    @NSManaged public var isActive: Bool
+    @NSManaged public var createdAt: Date
+    @NSManaged public var account: Account?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        createdAt = Date()
+        name = ""
+        isActive = true
+    }
+}
+
+// MARK: - Computed Properties
+
+extension Goal {
+    var targetDecimal: Decimal {
+        targetAmount?.decimalValue ?? Decimal.zero
+    }
+}
+

PortfolioJournal/Models/CoreData/InvestmentSource+CoreDataClass.swift

@@ -0,0 +1,239 @@
+import Foundation
+import CoreData
+
+@objc(InvestmentSource)
+public class InvestmentSource: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<InvestmentSource> {
+        return NSFetchRequest<InvestmentSource>(entityName: "InvestmentSource")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var name: String
+    @NSManaged public var notificationFrequency: String
+    @NSManaged public var customFrequencyMonths: Int16
+    @NSManaged public var isActive: Bool
+    @NSManaged public var createdAt: Date
+    @NSManaged public var category: Category?
+    @NSManaged public var account: Account?
+    @NSManaged public var snapshots: NSSet?
+    @NSManaged public var transactions: NSSet?
+    @NSManaged public var asset: Asset?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        createdAt = Date()
+        isActive = true
+        notificationFrequency = NotificationFrequency.monthly.rawValue
+        customFrequencyMonths = 1
+        name = ""
+    }
+}
+
+// MARK: - Notification Frequency
+
+enum NotificationFrequency: String, CaseIterable, Identifiable {
+    case monthly = "monthly"
+    case quarterly = "quarterly"
+    case semiannual = "semiannual"
+    case annual = "annual"
+    case custom = "custom"
+    case never = "never"
+
+    var id: String { rawValue }
+
+    var displayName: String {
+        switch self {
+        case .monthly: return "Monthly"
+        case .quarterly: return "Quarterly"
+        case .semiannual: return "Semi-Annual"
+        case .annual: return "Annual"
+        case .custom: return "Custom"
+        case .never: return "Never"
+        }
+    }
+
+    var months: Int {
+        switch self {
+        case .monthly: return 1
+        case .quarterly: return 3
+        case .semiannual: return 6
+        case .annual: return 12
+        case .custom, .never: return 0
+        }
+    }
+}
+
+// MARK: - Computed Properties
+
+extension InvestmentSource {
+    /// Returns snapshots sorted by date descending (most recent first)
+    /// Performance note: This sorts on every call. For repeated access, cache the result.
+    var snapshotsArray: [Snapshot] {
+        let set = snapshots as? Set<Snapshot> ?? []
+        return set.sorted { $0.date > $1.date }
+    }
+
+    /// Returns snapshots sorted by date ascending (oldest first)
+    /// Performance note: This sorts on every call. For repeated access, cache the result.
+    var sortedSnapshotsByDateAscending: [Snapshot] {
+        let set = snapshots as? Set<Snapshot> ?? []
+        return set.sorted { $0.date < $1.date }
+    }
+
+    /// Returns the most recent snapshot without sorting all snapshots
+    /// Performance: O(n) instead of O(n log n) for sorting
+    var latestSnapshot: Snapshot? {
+        guard let set = snapshots as? Set<Snapshot>, !set.isEmpty else { return nil }
+        return set.max(by: { $0.date < $1.date })
+    }
+
+    var latestValue: Decimal {
+        latestSnapshot?.value?.decimalValue ?? Decimal.zero
+    }
+
+    var snapshotCount: Int {
+        snapshots?.count ?? 0
+    }
+
+    /// Returns transactions sorted by date descending
+    /// Performance note: This sorts on every call. For repeated access, cache the result.
+    var transactionsArray: [Transaction] {
+        let set = transactions as? Set<Transaction> ?? []
+        return set.sorted { $0.date > $1.date }
+    }
+
+    var frequency: NotificationFrequency {
+        NotificationFrequency(rawValue: notificationFrequency) ?? .monthly
+    }
+
+    var nextReminderDate: Date? {
+        if let account = account {
+            return account.nextReminderDate
+        }
+
+        guard frequency != .never else { return nil }
+
+        let months = frequency == .custom ? Int(customFrequencyMonths) : frequency.months
+        guard let lastSnapshot = latestSnapshot else {
+            return Date() // Remind now if no snapshots
+        }
+
+        return Calendar.current.date(byAdding: .month, value: months, to: lastSnapshot.date)
+    }
+
+    var needsUpdate: Bool {
+        if let account = account {
+            guard let nextDate = account.nextReminderDate else { return false }
+            return Date() >= nextDate
+        }
+
+        guard let nextDate = nextReminderDate else { return false }
+        return Date() >= nextDate
+    }
+
+    // MARK: - Performance Metrics
+
+    /// Calculates total return percentage. Performance: Uses O(n) min/max instead of sorting.
+    var totalReturn: Decimal {
+        guard let set = snapshots as? Set<Snapshot>, set.count >= 2 else {
+            return Decimal.zero
+        }
+
+        // Performance: Find min and max by date in one pass instead of sorting twice
+        guard let first = set.min(by: { $0.date < $1.date }),
+              let last = set.max(by: { $0.date < $1.date }),
+              let firstValue = first.value?.decimalValue,
+              firstValue != Decimal.zero else {
+            return Decimal.zero
+        }
+
+        let lastValue = last.value?.decimalValue ?? Decimal.zero
+        return ((lastValue - firstValue) / firstValue) * 100
+    }
+
+    /// Performance: Iterates snapshots directly without sorting
+    var totalContributions: Decimal {
+        guard let set = snapshots as? Set<Snapshot> else { return Decimal.zero }
+        return set.reduce(Decimal.zero) { result, snapshot in
+            result + (snapshot.contribution?.decimalValue ?? Decimal.zero)
+        }
+    }
+
+    /// Performance: Iterates transactions directly without sorting
+    var totalInvested: Decimal {
+        guard let set = transactions as? Set<Transaction> else { return Decimal.zero }
+        return set.reduce(Decimal.zero) { result, transaction in
+            let amount = transaction.decimalAmount
+            switch transaction.transactionType {
+            case .buy:
+                return result + amount
+            case .sell:
+                return result - amount
+            default:
+                return result
+            }
+        }
+    }
+
+    /// Performance: Iterates transactions directly without sorting
+    var totalDividends: Decimal {
+        guard let set = transactions as? Set<Transaction> else { return Decimal.zero }
+        return set.reduce(Decimal.zero) { result, transaction in
+            transaction.transactionType == .dividend ? result + transaction.decimalAmount : result
+        }
+    }
+
+    /// Performance: Iterates transactions directly without sorting
+    var totalFees: Decimal {
+        guard let set = transactions as? Set<Transaction> else { return Decimal.zero }
+        return set.reduce(Decimal.zero) { result, transaction in
+            transaction.transactionType == .fee ? result + transaction.decimalAmount : result
+        }
+    }
+}
+
+// MARK: - Account Scheduling
+
+extension Account {
+    var nextReminderDate: Date? {
+        guard frequency != .never else { return nil }
+
+        let months = frequency == .custom ? Int(customFrequencyMonths) : frequency.months
+        guard let latestSnapshotDate = sourcesArray
+            .compactMap({ $0.latestSnapshot?.date })
+            .max() else {
+            return Date()
+        }
+
+        return Calendar.current.date(byAdding: .month, value: months, to: latestSnapshotDate)
+    }
+}
+
+// MARK: - Generated accessors for snapshots
+
+extension InvestmentSource {
+    @objc(addSnapshotsObject:)
+    @NSManaged public func addToSnapshots(_ value: Snapshot)
+
+    @objc(removeSnapshotsObject:)
+    @NSManaged public func removeFromSnapshots(_ value: Snapshot)
+
+    @objc(addSnapshots:)
+    @NSManaged public func addToSnapshots(_ values: NSSet)
+
+    @objc(removeSnapshots:)
+    @NSManaged public func removeFromSnapshots(_ values: NSSet)
+
+    @objc(addTransactionsObject:)
+    @NSManaged public func addToTransactions(_ value: Transaction)
+
+    @objc(removeTransactionsObject:)
+    @NSManaged public func removeFromTransactions(_ value: Transaction)
+
+    @objc(addTransactions:)
+    @NSManaged public func addToTransactions(_ values: NSSet)
+
+    @objc(removeTransactions:)
+    @NSManaged public func removeFromTransactions(_ values: NSSet)
+}

PortfolioJournal/Models/CoreData/PortfolioJournal.xcdatamodeld/PortfolioJournal.xcdatamodel/contents

@@ -0,0 +1,105 @@
+<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
+<model type="com.apple.IDECoreDataModeler.DataModel" documentVersion="1.0" lastSavedToolsVersion="22522" systemVersion="23F79" minimumToolsVersion="Automatic" sourceLanguage="Swift" usedWithCloudKit="YES" userDefinedModelVersionIdentifier="">
+    <entity name="AppSettings" representedClassName="AppSettings" syncable="YES">
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="currency" attributeType="String" defaultValueString="EUR"/>
+        <attribute name="defaultNotificationTime" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="enableAnalytics" attributeType="Boolean" defaultValueString="YES" usesScalarValueType="YES"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="inputMode" attributeType="String" defaultValueString="simple"/>
+        <attribute name="lastSyncDate" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="onboardingCompleted" attributeType="Boolean" defaultValueString="NO" usesScalarValueType="YES"/>
+        <attribute name="selectedAccountId" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="showAllAccounts" attributeType="Boolean" defaultValueString="YES" usesScalarValueType="YES"/>
+    </entity>
+    <entity name="Account" representedClassName="Account" syncable="YES">
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="currency" optional="YES" attributeType="String"/>
+        <attribute name="customFrequencyMonths" attributeType="Integer 16" defaultValueString="1" usesScalarValueType="YES"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="inputMode" attributeType="String" defaultValueString="simple"/>
+        <attribute name="name" attributeType="String" defaultValueString=""/>
+        <attribute name="notificationFrequency" attributeType="String" defaultValueString="monthly"/>
+        <attribute name="sortOrder" attributeType="Integer 16" defaultValueString="0" usesScalarValueType="YES"/>
+        <relationship name="goals" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="Goal" inverseName="account" inverseEntity="Goal"/>
+        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="InvestmentSource" inverseName="account" inverseEntity="InvestmentSource"/>
+    </entity>
+    <entity name="Category" representedClassName="Category" syncable="YES">
+        <attribute name="colorHex" attributeType="String" defaultValueString="#3B82F6"/>
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="icon" attributeType="String" defaultValueString="chart.pie.fill"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="name" attributeType="String" defaultValueString=""/>
+        <attribute name="sortOrder" attributeType="Integer 16" defaultValueString="0" usesScalarValueType="YES"/>
+        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="InvestmentSource" inverseName="category" inverseEntity="InvestmentSource"/>
+    </entity>
+    <entity name="InvestmentSource" representedClassName="InvestmentSource" syncable="YES">
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="customFrequencyMonths" attributeType="Integer 16" defaultValueString="1" usesScalarValueType="YES"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="isActive" attributeType="Boolean" defaultValueString="YES" usesScalarValueType="YES"/>
+        <attribute name="name" attributeType="String" defaultValueString=""/>
+        <attribute name="notificationFrequency" attributeType="String" defaultValueString="monthly"/>
+        <relationship name="account" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="Account" inverseName="sources" inverseEntity="Account"/>
+        <relationship name="asset" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="Asset" inverseName="sources" inverseEntity="Asset"/>
+        <relationship name="category" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="Category" inverseName="sources" inverseEntity="Category"/>
+        <relationship name="snapshots" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="Snapshot" inverseName="source" inverseEntity="Snapshot"/>
+        <relationship name="transactions" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="Transaction" inverseName="source" inverseEntity="Transaction"/>
+    </entity>
+    <entity name="Asset" representedClassName="Asset" syncable="YES">
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="currency" optional="YES" attributeType="String"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="name" attributeType="String" defaultValueString=""/>
+        <attribute name="symbol" optional="YES" attributeType="String"/>
+        <attribute name="type" attributeType="String" defaultValueString="stock"/>
+        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Nullify" destinationEntity="InvestmentSource" inverseName="asset" inverseEntity="InvestmentSource"/>
+    </entity>
+    <entity name="Transaction" representedClassName="Transaction" syncable="YES">
+        <attribute name="amount" optional="YES" attributeType="Decimal"/>
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="date" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="notes" optional="YES" attributeType="String"/>
+        <attribute name="price" optional="YES" attributeType="Decimal"/>
+        <attribute name="shares" optional="YES" attributeType="Decimal"/>
+        <attribute name="type" attributeType="String" defaultValueString="buy"/>
+        <relationship name="source" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="InvestmentSource" inverseName="transactions" inverseEntity="InvestmentSource"/>
+    </entity>
+    <entity name="Goal" representedClassName="Goal" syncable="YES">
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="isActive" attributeType="Boolean" defaultValueString="YES" usesScalarValueType="YES"/>
+        <attribute name="name" attributeType="String" defaultValueString=""/>
+        <attribute name="targetAmount" optional="YES" attributeType="Decimal"/>
+        <attribute name="targetDate" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <relationship name="account" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="Account" inverseName="goals" inverseEntity="Account"/>
+    </entity>
+    <entity name="PredictionCache" representedClassName="PredictionCache" syncable="YES">
+        <attribute name="algorithm" attributeType="String" defaultValueString="linear"/>
+        <attribute name="calculatedAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="predictionData" optional="YES" attributeType="Binary"/>
+        <attribute name="sourceId" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="validUntil" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+    </entity>
+    <entity name="PremiumStatus" representedClassName="PremiumStatus" syncable="YES">
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="isFamilyShared" attributeType="Boolean" defaultValueString="NO" usesScalarValueType="YES"/>
+        <attribute name="isPremium" attributeType="Boolean" defaultValueString="NO" usesScalarValueType="YES"/>
+        <attribute name="lastVerificationDate" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="originalPurchaseDate" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="productIdentifier" optional="YES" attributeType="String"/>
+        <attribute name="purchaseDate" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="transactionId" optional="YES" attributeType="String"/>
+    </entity>
+    <entity name="Snapshot" representedClassName="Snapshot" syncable="YES">
+        <attribute name="contribution" optional="YES" attributeType="Decimal"/>
+        <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="date" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
+        <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="notes" optional="YES" attributeType="String"/>
+        <attribute name="value" optional="YES" attributeType="Decimal"/>
+        <relationship name="source" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="InvestmentSource" inverseName="snapshots" inverseEntity="InvestmentSource"/>
+    </entity>
+</model>

PortfolioJournal/Models/CoreData/PredictionCache+CoreDataClass.swift

@@ -0,0 +1,151 @@
+import Foundation
+import CoreData
+
+@objc(PredictionCache)
+public class PredictionCache: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<PredictionCache> {
+        return NSFetchRequest<PredictionCache>(entityName: "PredictionCache")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var sourceId: UUID?
+    @NSManaged public var algorithm: String
+    @NSManaged public var predictionData: Data?
+    @NSManaged public var calculatedAt: Date
+    @NSManaged public var validUntil: Date
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        calculatedAt = Date()
+        // Cache valid for 24 hours
+        validUntil = Calendar.current.date(byAdding: .hour, value: 24, to: Date()) ?? Date()
+        algorithm = PredictionAlgorithm.linear.rawValue
+    }
+}
+
+// MARK: - Prediction Algorithm
+
+enum PredictionAlgorithm: String, CaseIterable, Identifiable {
+    case linear = "linear"
+    case exponentialSmoothing = "exponential_smoothing"
+    case movingAverage = "moving_average"
+    case holtTrend = "holt_trend"
+
+    var id: String { rawValue }
+
+    var displayName: String {
+        switch self {
+        case .linear: return "Linear Regression"
+        case .exponentialSmoothing: return "Exponential Smoothing"
+        case .movingAverage: return "Moving Average"
+        case .holtTrend: return "Holt Trend"
+        }
+    }
+
+    var description: String {
+        switch self {
+        case .linear:
+            return "Projects future values based on historical trend line"
+        case .exponentialSmoothing:
+            return "Gives more weight to recent data points"
+        case .movingAverage:
+            return "Smooths out short-term fluctuations"
+        case .holtTrend:
+            return "Captures level and trend changes over time"
+        }
+    }
+}
+
+// MARK: - Computed Properties
+
+extension PredictionCache {
+    var isValid: Bool {
+        Date() < validUntil
+    }
+
+    var algorithmType: PredictionAlgorithm {
+        PredictionAlgorithm(rawValue: algorithm) ?? .linear
+    }
+
+    var predictions: [Prediction]? {
+        guard let data = predictionData else { return nil }
+        return try? JSONDecoder().decode([Prediction].self, from: data)
+    }
+}
+
+// MARK: - Static Helpers
+
+extension PredictionCache {
+    static func getCache(
+        for sourceId: UUID?,
+        algorithm: PredictionAlgorithm,
+        in context: NSManagedObjectContext
+    ) -> PredictionCache? {
+        let request: NSFetchRequest<PredictionCache> = PredictionCache.fetchRequest()
+
+        if let sourceId = sourceId {
+            request.predicate = NSPredicate(
+                format: "sourceId == %@ AND algorithm == %@",
+                sourceId as CVarArg,
+                algorithm.rawValue
+            )
+        } else {
+            request.predicate = NSPredicate(
+                format: "sourceId == nil AND algorithm == %@",
+                algorithm.rawValue
+            )
+        }
+
+        request.fetchLimit = 1
+
+        guard let cache = try? context.fetch(request).first,
+              cache.isValid else {
+            return nil
+        }
+
+        return cache
+    }
+
+    static func saveCache(
+        for sourceId: UUID?,
+        algorithm: PredictionAlgorithm,
+        predictions: [Prediction],
+        in context: NSManagedObjectContext
+    ) {
+        // Remove old cache
+        let request: NSFetchRequest<PredictionCache> = PredictionCache.fetchRequest()
+        if let sourceId = sourceId {
+            request.predicate = NSPredicate(
+                format: "sourceId == %@ AND algorithm == %@",
+                sourceId as CVarArg,
+                algorithm.rawValue
+            )
+        } else {
+            request.predicate = NSPredicate(
+                format: "sourceId == nil AND algorithm == %@",
+                algorithm.rawValue
+            )
+        }
+
+        if let oldCache = try? context.fetch(request) {
+            oldCache.forEach { context.delete($0) }
+        }
+
+        // Create new cache
+        let cache = PredictionCache(context: context)
+        cache.sourceId = sourceId
+        cache.algorithm = algorithm.rawValue
+        cache.predictionData = try? JSONEncoder().encode(predictions)
+
+        try? context.save()
+    }
+
+    static func invalidateAll(in context: NSManagedObjectContext) {
+        let request: NSFetchRequest<PredictionCache> = PredictionCache.fetchRequest()
+        if let caches = try? context.fetch(request) {
+            caches.forEach { context.delete($0) }
+        }
+        try? context.save()
+    }
+}

PortfolioJournal/Models/CoreData/PremiumStatus+CoreDataClass.swift

@@ -0,0 +1,82 @@
+import Foundation
+import CoreData
+
+@objc(PremiumStatus)
+public class PremiumStatus: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<PremiumStatus> {
+        return NSFetchRequest<PremiumStatus>(entityName: "PremiumStatus")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var isPremium: Bool
+    @NSManaged public var purchaseDate: Date?
+    @NSManaged public var productIdentifier: String?
+    @NSManaged public var transactionId: String?
+    @NSManaged public var isFamilyShared: Bool
+    @NSManaged public var lastVerificationDate: Date?
+    @NSManaged public var originalPurchaseDate: Date?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        isPremium = false
+        isFamilyShared = false
+    }
+}
+
+// MARK: - Computed Properties
+
+extension PremiumStatus {
+    var daysSincePurchase: Int? {
+        guard let purchaseDate = purchaseDate else { return nil }
+        return Calendar.current.dateComponents([.day], from: purchaseDate, to: Date()).day
+    }
+
+    var needsVerification: Bool {
+        guard let lastVerification = lastVerificationDate else { return true }
+        let hoursSinceVerification = Calendar.current.dateComponents(
+            [.hour],
+            from: lastVerification,
+            to: Date()
+        ).hour ?? 0
+        return hoursSinceVerification >= 24
+    }
+}
+
+// MARK: - Static Helpers
+
+extension PremiumStatus {
+    static func getOrCreate(in context: NSManagedObjectContext) -> PremiumStatus {
+        let request: NSFetchRequest<PremiumStatus> = PremiumStatus.fetchRequest()
+        request.fetchLimit = 1
+
+        if let existing = try? context.fetch(request).first {
+            return existing
+        }
+
+        let new = PremiumStatus(context: context)
+        try? context.save()
+        return new
+    }
+
+    static func updateStatus(
+        isPremium: Bool,
+        productIdentifier: String?,
+        transactionId: String?,
+        isFamilyShared: Bool,
+        in context: NSManagedObjectContext
+    ) {
+        let status = getOrCreate(in: context)
+        status.isPremium = isPremium
+        status.productIdentifier = productIdentifier
+        status.transactionId = transactionId
+        status.isFamilyShared = isFamilyShared
+        status.lastVerificationDate = Date()
+
+        if isPremium && status.purchaseDate == nil {
+            status.purchaseDate = Date()
+        }
+
+        try? context.save()
+    }
+}

PortfolioJournal/Models/CoreData/Snapshot+CoreDataClass.swift

@@ -0,0 +1,79 @@
+import Foundation
+import CoreData
+
+@objc(Snapshot)
+public class Snapshot: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<Snapshot> {
+        return NSFetchRequest<Snapshot>(entityName: "Snapshot")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var date: Date
+    @NSManaged public var value: NSDecimalNumber?
+    @NSManaged public var contribution: NSDecimalNumber?
+    @NSManaged public var notes: String?
+    @NSManaged public var createdAt: Date
+    @NSManaged public var source: InvestmentSource?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        date = Date()
+        createdAt = Date()
+    }
+}
+
+// MARK: - Computed Properties
+
+extension Snapshot {
+    var decimalValue: Decimal {
+        value?.decimalValue ?? Decimal.zero
+    }
+
+    var decimalContribution: Decimal {
+        contribution?.decimalValue ?? Decimal.zero
+    }
+
+    var formattedValue: String {
+        CurrencyFormatter.format(value?.decimalValue ?? Decimal.zero, style: .currency, maximumFractionDigits: 2)
+    }
+
+    var formattedDate: String {
+        let formatter = DateFormatter()
+        formatter.dateStyle = .medium
+        formatter.timeStyle = .none
+        return formatter.string(from: date)
+    }
+
+    var monthYearString: String {
+        let formatter = DateFormatter()
+        formatter.dateFormat = "MMM yyyy"
+        return formatter.string(from: date)
+    }
+}
+
+// MARK: - Comparison with Previous
+
+extension Snapshot {
+    func change(from previousSnapshot: Snapshot?) -> Decimal {
+        guard let previous = previousSnapshot,
+              let previousValue = previous.value?.decimalValue,
+              previousValue != Decimal.zero else {
+            return Decimal.zero
+        }
+
+        let currentValue = value?.decimalValue ?? Decimal.zero
+        return currentValue - previousValue
+    }
+
+    func percentageChange(from previousSnapshot: Snapshot?) -> Decimal {
+        guard let previous = previousSnapshot,
+              let previousValue = previous.value?.decimalValue,
+              previousValue != Decimal.zero else {
+            return Decimal.zero
+        }
+
+        let currentValue = value?.decimalValue ?? Decimal.zero
+        return ((currentValue - previousValue) / previousValue) * 100
+    }
+}

PortfolioJournal/Models/CoreData/Transaction+CoreDataClass.swift

@@ -0,0 +1,75 @@
+import Foundation
+import CoreData
+
+@objc(Transaction)
+public class Transaction: NSManagedObject, Identifiable {
+    @nonobjc public class func fetchRequest() -> NSFetchRequest<Transaction> {
+        return NSFetchRequest<Transaction>(entityName: "Transaction")
+    }
+
+    @NSManaged public var id: UUID
+    @NSManaged public var date: Date
+    @NSManaged public var type: String
+    @NSManaged public var shares: NSDecimalNumber?
+    @NSManaged public var price: NSDecimalNumber?
+    @NSManaged public var amount: NSDecimalNumber?
+    @NSManaged public var notes: String?
+    @NSManaged public var createdAt: Date
+    @NSManaged public var source: InvestmentSource?
+
+    public override func awakeFromInsert() {
+        super.awakeFromInsert()
+        id = UUID()
+        createdAt = Date()
+        date = Date()
+        type = TransactionType.buy.rawValue
+    }
+}
+
+enum TransactionType: String, CaseIterable, Identifiable {
+    case buy
+    case sell
+    case dividend
+    case fee
+    case transfer
+
+    var id: String { rawValue }
+
+    var displayName: String {
+        switch self {
+        case .buy: return "Buy"
+        case .sell: return "Sell"
+        case .dividend: return "Dividend"
+        case .fee: return "Fee"
+        case .transfer: return "Transfer"
+        }
+    }
+
+    var isInvestmentFlow: Bool {
+        self == .buy || self == .sell
+    }
+}
+
+// MARK: - Computed Properties
+
+extension Transaction {
+    var decimalShares: Decimal {
+        shares?.decimalValue ?? Decimal.zero
+    }
+
+    var decimalPrice: Decimal {
+        price?.decimalValue ?? Decimal.zero
+    }
+
+    var decimalAmount: Decimal {
+        if let amount = amount?.decimalValue, amount != 0 {
+            return amount
+        }
+        return decimalShares * decimalPrice
+    }
+
+    var transactionType: TransactionType {
+        TransactionType(rawValue: type) ?? .buy
+    }
+}
+

PortfolioJournal/Models/CoreDataStack.swift

@@ -0,0 +1,286 @@
+import CoreData
+import CloudKit
+import Combine
+import WidgetKit
+
+class CoreDataStack: ObservableObject {
+    static let shared = CoreDataStack()
+
+    static let appGroupIdentifier = "group.com.alexandrevazquez.portfoliojournal"
+    static let cloudKitContainerIdentifier = "iCloud.com.alexandrevazquez.portfoliojournal"
+
+    private static var cloudKitEnabled: Bool {
+        UserDefaults.standard.bool(forKey: "cloudSyncEnabled")
+    }
+
+    private static var appGroupEnabled: Bool {
+        true
+    }
+
+    private static func migrateStoreIfNeeded(from sourceURL: URL, to destinationURL: URL) {
+        let fileManager = FileManager.default
+        guard fileManager.fileExists(atPath: sourceURL.path) else {
+            return
+        }
+
+        let sourceHasData = storeHasData(at: sourceURL)
+        let destinationHasData = storeHasData(at: destinationURL)
+        guard sourceHasData, !destinationHasData else { return }
+
+        removeStoreFilesIfNeeded(at: destinationURL)
+
+        let relatedSuffixes = ["", "-wal", "-shm"]
+        for suffix in relatedSuffixes {
+            let source = URL(fileURLWithPath: sourceURL.path + suffix)
+            let destination = URL(fileURLWithPath: destinationURL.path + suffix)
+            guard fileManager.fileExists(atPath: source.path),
+                  !fileManager.fileExists(atPath: destination.path) else {
+                continue
+            }
+
+            do {
+                try fileManager.copyItem(at: source, to: destination)
+            } catch {
+                print("Core Data store migration failed for \(source.lastPathComponent): \(error)")
+            }
+        }
+    }
+
+    private static func removeStoreFilesIfNeeded(at url: URL) {
+        let fileManager = FileManager.default
+        let relatedSuffixes = ["", "-wal", "-shm"]
+        for suffix in relatedSuffixes {
+            let fileURL = URL(fileURLWithPath: url.path + suffix)
+            guard fileManager.fileExists(atPath: fileURL.path) else { continue }
+            do {
+                try fileManager.removeItem(at: fileURL)
+            } catch {
+                print("Failed to remove existing store file \(fileURL.lastPathComponent): \(error)")
+            }
+        }
+    }
+
+    private static func storeHasData(at url: URL) -> Bool {
+        let fileManager = FileManager.default
+        guard fileManager.fileExists(atPath: url.path),
+              let model = NSManagedObjectModel.mergedModel(from: [Bundle.main]) else {
+            return false
+        }
+
+        let coordinator = NSPersistentStoreCoordinator(managedObjectModel: model)
+        do {
+            try coordinator.addPersistentStore(
+                ofType: NSSQLiteStoreType,
+                configurationName: nil,
+                at: url,
+                options: [NSReadOnlyPersistentStoreOption: true]
+            )
+        } catch {
+            print("Failed to open store for data check: \(error)")
+            return false
+        }
+
+        let context = NSManagedObjectContext(concurrencyType: .privateQueueConcurrencyType)
+        context.persistentStoreCoordinator = coordinator
+
+        let snapshotRequest = NSFetchRequest<NSManagedObject>(entityName: "Snapshot")
+        snapshotRequest.resultType = .countResultType
+        let snapshotCount = (try? context.count(for: snapshotRequest)) ?? 0
+        if snapshotCount > 0 {
+            return true
+        }
+
+        let sourceRequest = NSFetchRequest<NSManagedObject>(entityName: "InvestmentSource")
+        sourceRequest.resultType = .countResultType
+        let sourceCount = (try? context.count(for: sourceRequest)) ?? 0
+        return sourceCount > 0
+    }
+
+    private static func resolveStoreURL() -> URL {
+        let defaultURL = NSPersistentContainer.defaultDirectoryURL()
+            .appendingPathComponent("PortfolioJournal.sqlite")
+
+        guard appGroupEnabled,
+              let appGroupURL = FileManager.default
+                .containerURL(forSecurityApplicationGroupIdentifier: appGroupIdentifier)?
+                .appendingPathComponent("PortfolioJournal.sqlite") else {
+            if appGroupEnabled {
+                print("App Group unavailable; using default store URL: \(defaultURL)")
+            }
+            return defaultURL
+        }
+
+        migrateStoreIfNeeded(from: defaultURL, to: appGroupURL)
+        return appGroupURL
+    }
+
+    lazy var persistentContainer: NSPersistentContainer = {
+        let container: NSPersistentContainer
+        if Self.cloudKitEnabled {
+            container = NSPersistentCloudKitContainer(name: "PortfolioJournal")
+        } else {
+            container = NSPersistentContainer(name: "PortfolioJournal")
+        }
+
+        // App Group store URL for sharing with widgets. Fall back if not entitled.
+        let storeURL = Self.resolveStoreURL()
+
+        let description = NSPersistentStoreDescription(url: storeURL)
+        description.shouldMigrateStoreAutomatically = true
+        description.shouldInferMappingModelAutomatically = true
+
+        if Self.cloudKitEnabled {
+            description.cloudKitContainerOptions = NSPersistentCloudKitContainerOptions(
+                containerIdentifier: Self.cloudKitContainerIdentifier
+            )
+            description.setOption(true as NSNumber, forKey: NSPersistentHistoryTrackingKey)
+            description.setOption(true as NSNumber, forKey: NSPersistentStoreRemoteChangeNotificationPostOptionKey)
+        }
+
+        container.persistentStoreDescriptions = [description]
+
+        container.loadPersistentStores { description, error in
+            if let error = error as NSError? {
+                // In production, handle this error appropriately
+                print("Core Data failed to load: \(error), \(error.userInfo)")
+            } else {
+                print("Core Data loaded successfully at: \(description.url?.path ?? "unknown")")
+            }
+        }
+
+        // Merge policy - remote changes win
+        container.viewContext.automaticallyMergesChangesFromParent = true
+        container.viewContext.mergePolicy = NSMergeByPropertyObjectTrumpMergePolicy
+
+        // Performance optimizations
+        container.viewContext.undoManager = nil
+        container.viewContext.shouldDeleteInaccessibleFaults = true
+
+        if Self.cloudKitEnabled {
+            NotificationCenter.default.addObserver(
+                self,
+                selector: #selector(processRemoteChanges),
+                name: .NSPersistentStoreRemoteChange,
+                object: container.persistentStoreCoordinator
+            )
+        }
+
+        return container
+    }()
+
+    var viewContext: NSManagedObjectContext {
+        return persistentContainer.viewContext
+    }
+
+    private init() {}
+
+    // MARK: - Save Context
+
+    func save() {
+        let context = viewContext
+        guard context.hasChanges else { return }
+
+        do {
+            try context.save()
+        } catch {
+            let nsError = error as NSError
+            print("Core Data save error: \(nsError), \(nsError.userInfo)")
+        }
+    }
+
+    // MARK: - Background Context
+
+    func newBackgroundContext() -> NSManagedObjectContext {
+        let context = persistentContainer.newBackgroundContext()
+        context.mergePolicy = NSMergeByPropertyObjectTrumpMergePolicy
+        context.undoManager = nil
+        return context
+    }
+
+    func performBackgroundTask(_ block: @escaping (NSManagedObjectContext) -> Void) {
+        persistentContainer.performBackgroundTask(block)
+    }
+
+    // MARK: - Remote Change Handling
+
+    @objc private func processRemoteChanges(_ notification: Notification) {
+        // Process remote changes on main context
+        DispatchQueue.main.async { [weak self] in
+            self?.objectWillChange.send()
+            // Ensure changes are persisted to disk before refreshing widget
+            self?.save()
+            self?.refreshWidgetData()
+        }
+    }
+
+    // MARK: - Widget Data Refresh
+
+    func refreshWidgetData() {
+        if #available(iOS 14.0, *) {
+            if Self.appGroupEnabled {
+                checkpointWAL()
+                WidgetCenter.shared.reloadAllTimelines()
+            }
+        }
+    }
+
+    /// Forces SQLite to checkpoint the WAL file, ensuring all changes are written to the main database file.
+    /// This is necessary for the widget to see changes, as it opens the database read-only.
+    private func checkpointWAL() {
+        if viewContext.hasChanges {
+            try? viewContext.save()
+        }
+
+        let coordinator = persistentContainer.persistentStoreCoordinator
+        coordinator.performAndWait {
+            viewContext.refreshAllObjects()
+        }
+    }
+}
+
+// MARK: - Shared Container for Widgets
+
+extension CoreDataStack {
+    static var sharedStoreURL: URL? {
+        guard appGroupEnabled else {
+            let fallbackURL = NSPersistentContainer.defaultDirectoryURL()
+                .appendingPathComponent("PortfolioJournal.sqlite")
+            return fallbackURL
+        }
+
+        if let appGroupURL = FileManager.default
+            .containerURL(forSecurityApplicationGroupIdentifier: appGroupIdentifier)?
+            .appendingPathComponent("PortfolioJournal.sqlite") {
+            return appGroupURL
+        }
+
+        let fallbackURL = NSPersistentContainer.defaultDirectoryURL()
+            .appendingPathComponent("PortfolioJournal.sqlite")
+        print("App Group unavailable for widgets; using default store URL: \(fallbackURL)")
+        return fallbackURL
+    }
+
+    /// Creates a lightweight Core Data stack for widgets (read-only)
+    static func createWidgetContainer() -> NSPersistentContainer {
+        let container = NSPersistentContainer(name: "PortfolioJournal")
+
+        guard let storeURL = sharedStoreURL else {
+            fatalError("Unable to get shared store URL")
+        }
+
+        let description = NSPersistentStoreDescription(url: storeURL)
+        description.isReadOnly = true
+        description.shouldMigrateStoreAutomatically = true
+        description.shouldInferMappingModelAutomatically = true
+
+        container.persistentStoreDescriptions = [description]
+
+        container.loadPersistentStores { _, error in
+            if let error = error {
+                print("Widget Core Data failed: \(error)")
+            }
+        }
+
+        return container
+    }
+}

PortfolioJournal/Models/InputMode.swift

@@ -0,0 +1,25 @@
+import Foundation
+
+enum InputMode: String, CaseIterable, Identifiable {
+    case simple
+    case detailed
+
+    var id: String { rawValue }
+
+    var title: String {
+        switch self {
+        case .simple: return "Simple"
+        case .detailed: return "Detailed"
+        }
+    }
+
+    var description: String {
+        switch self {
+        case .simple:
+            return "Enter a single total value per snapshot."
+        case .detailed:
+            return "Enter invested amount and gains to track additional metrics."
+        }
+    }
+}
+

PortfolioJournal/Models/InvestmentMetrics.swift

@@ -0,0 +1,203 @@
+import Foundation
+
+struct InvestmentMetrics {
+    // Basic Metrics
+    let totalValue: Decimal
+    let totalContributions: Decimal
+    let absoluteReturn: Decimal
+    let percentageReturn: Decimal
+
+    // Advanced Metrics
+    let cagr: Double // Compound Annual Growth Rate
+    let twr: Double // Time-Weighted Return
+    let volatility: Double // Standard deviation annualized
+    let maxDrawdown: Double // Maximum peak-to-trough decline
+    let sharpeRatio: Double // Risk-adjusted return
+    let bestMonth: MonthlyReturn?
+    let worstMonth: MonthlyReturn?
+    let winRate: Double // Percentage of positive months
+    let averageMonthlyReturn: Double
+
+    // Time period
+    let startDate: Date?
+    let endDate: Date?
+    let totalMonths: Int
+
+    struct MonthlyReturn: Identifiable {
+        let id = UUID()
+        let date: Date
+        let returnPercentage: Double
+
+        var formattedDate: String {
+            let formatter = DateFormatter()
+            formatter.dateFormat = "MMM yyyy"
+            return formatter.string(from: date)
+        }
+
+        var formattedReturn: String {
+            String(format: "%.1f%%", returnPercentage)
+        }
+    }
+}
+
+// MARK: - Formatting Helpers
+
+extension InvestmentMetrics {
+    var formattedTotalValue: String {
+        formatCurrency(totalValue)
+    }
+
+    var formattedAbsoluteReturn: String {
+        let prefix = absoluteReturn >= 0 ? "+" : ""
+        return prefix + formatCurrency(absoluteReturn)
+    }
+
+    var formattedPercentageReturn: String {
+        let prefix = percentageReturn >= 0 ? "+" : ""
+        return String(format: "\(prefix)%.2f%%", NSDecimalNumber(decimal: percentageReturn).doubleValue)
+    }
+
+    var formattedCAGR: String {
+        String(format: "%.2f%%", cagr)
+    }
+
+    var formattedTWR: String {
+        String(format: "%.2f%%", twr)
+    }
+
+    var formattedVolatility: String {
+        String(format: "%.2f%%", volatility)
+    }
+
+    var formattedMaxDrawdown: String {
+        String(format: "%.2f%%", maxDrawdown)
+    }
+
+    var formattedSharpeRatio: String {
+        String(format: "%.2f", sharpeRatio)
+    }
+
+    var formattedWinRate: String {
+        String(format: "%.0f%%", winRate)
+    }
+
+    var formattedAverageMonthlyReturn: String {
+        let prefix = averageMonthlyReturn >= 0 ? "+" : ""
+        return String(format: "\(prefix)%.2f%%", averageMonthlyReturn)
+    }
+
+    private func formatCurrency(_ value: Decimal) -> String {
+        CurrencyFormatter.format(value, style: .currency, maximumFractionDigits: 2)
+    }
+}
+
+// MARK: - Empty State
+
+extension InvestmentMetrics {
+    static var empty: InvestmentMetrics {
+        InvestmentMetrics(
+            totalValue: 0,
+            totalContributions: 0,
+            absoluteReturn: 0,
+            percentageReturn: 0,
+            cagr: 0,
+            twr: 0,
+            volatility: 0,
+            maxDrawdown: 0,
+            sharpeRatio: 0,
+            bestMonth: nil,
+            worstMonth: nil,
+            winRate: 0,
+            averageMonthlyReturn: 0,
+            startDate: nil,
+            endDate: nil,
+            totalMonths: 0
+        )
+    }
+}
+
+// MARK: - Category Metrics
+
+struct CategoryMetrics: Identifiable {
+    let id: UUID
+    let categoryName: String
+    let colorHex: String
+    let icon: String
+    let totalValue: Decimal
+    let percentageOfPortfolio: Double
+    let metrics: InvestmentMetrics
+
+    var formattedTotalValue: String {
+        CurrencyFormatter.format(totalValue, style: .currency, maximumFractionDigits: 0)
+    }
+
+    var formattedPercentage: String {
+        String(format: "%.1f%%", percentageOfPortfolio)
+    }
+}
+
+// MARK: - Portfolio Summary
+
+struct PortfolioSummary {
+    let totalValue: Decimal
+    let totalContributions: Decimal
+    let dayChange: Decimal
+    let dayChangePercentage: Double
+    let weekChange: Decimal
+    let weekChangePercentage: Double
+    let monthChange: Decimal
+    let monthChangePercentage: Double
+    let yearChange: Decimal
+    let yearChangePercentage: Double
+    let allTimeReturn: Decimal
+    let allTimeReturnPercentage: Double
+    let sourceCount: Int
+    let lastUpdated: Date?
+
+    var formattedTotalValue: String {
+        CurrencyFormatter.format(totalValue, style: .currency, maximumFractionDigits: 0)
+    }
+
+    var formattedDayChange: String {
+        formatChange(dayChange, dayChangePercentage)
+    }
+
+    var formattedMonthChange: String {
+        formatChange(monthChange, monthChangePercentage)
+    }
+
+    var formattedYearChange: String {
+        formatChange(yearChange, yearChangePercentage)
+    }
+
+    var formattedAllTimeReturn: String {
+        formatChange(allTimeReturn, allTimeReturnPercentage)
+    }
+
+    private func formatChange(_ absolute: Decimal, _ percentage: Double) -> String {
+        let prefix = absolute >= 0 ? "+" : ""
+        let absString = CurrencyFormatter.format(absolute, style: .currency, maximumFractionDigits: 0)
+        let pctString = String(format: "%.2f%%", percentage)
+
+        return "\(prefix)\(absString) (\(prefix)\(pctString))"
+    }
+
+    static var empty: PortfolioSummary {
+        PortfolioSummary(
+            totalValue: 0,
+            totalContributions: 0,
+            dayChange: 0,
+            dayChangePercentage: 0,
+            weekChange: 0,
+            weekChangePercentage: 0,
+            monthChange: 0,
+            monthChangePercentage: 0,
+            yearChange: 0,
+            yearChangePercentage: 0,
+            allTimeReturn: 0,
+            allTimeReturnPercentage: 0,
+            sourceCount: 0,
+            lastUpdated: nil
+        )
+    }
+}

PortfolioJournal/Models/MonthlyCheckInStats.swift

@@ -0,0 +1,98 @@
+import Foundation
+
+struct MonthlyCheckInEntry: Codable, Equatable {
+    var note: String?
+    var rating: Int?
+    var mood: MonthlyCheckInMood?
+    var completionTime: Double?
+    var createdAt: Double
+
+    var completionDate: Date? {
+        completionTime.map { Date(timeIntervalSince1970: $0) }
+    }
+}
+
+enum MonthlyCheckInMood: String, Codable, CaseIterable, Identifiable {
+    case energized
+    case confident
+    case balanced
+    case cautious
+    case stressed
+
+    var id: String { rawValue }
+
+    var title: String {
+        switch self {
+        case .energized: return String(localized: "mood_energized_title")
+        case .confident: return String(localized: "mood_confident_title")
+        case .balanced: return String(localized: "mood_balanced_title")
+        case .cautious: return String(localized: "mood_cautious_title")
+        case .stressed: return String(localized: "mood_stressed_title")
+        }
+    }
+
+    var iconName: String {
+        switch self {
+        case .energized: return "flame.fill"
+        case .confident: return "hand.thumbsup.fill"
+        case .balanced: return "leaf.fill"
+        case .cautious: return "exclamationmark.triangle.fill"
+        case .stressed: return "exclamationmark.octagon.fill"
+        }
+    }
+
+    var detail: String {
+        switch self {
+        case .energized: return String(localized: "mood_energized_detail")
+        case .confident: return String(localized: "mood_confident_detail")
+        case .balanced: return String(localized: "mood_balanced_detail")
+        case .cautious: return String(localized: "mood_cautious_detail")
+        case .stressed: return String(localized: "mood_stressed_detail")
+        }
+    }
+}
+
+struct MonthlyCheckInAchievement: Identifiable, Equatable {
+    let key: String
+    let title: String
+    let detail: String
+    let icon: String
+
+    var id: String { key }
+}
+
+struct MonthlyCheckInAchievementStatus: Identifiable, Equatable {
+    let achievement: MonthlyCheckInAchievement
+    let isUnlocked: Bool
+
+    var id: String { achievement.key }
+}
+
+struct MonthlyCheckInStats: Equatable {
+    let currentStreak: Int
+    let bestStreak: Int
+    let onTimeCount: Int
+    let totalCheckIns: Int
+    let averageDaysBeforeDeadline: Double?
+    let closestCutoffDays: Double?
+    let recentMood: MonthlyCheckInMood?
+    let achievements: [MonthlyCheckInAchievement]
+
+    static var empty: MonthlyCheckInStats {
+        MonthlyCheckInStats(
+            currentStreak: 0,
+            bestStreak: 0,
+            onTimeCount: 0,
+            totalCheckIns: 0,
+            averageDaysBeforeDeadline: nil,
+            closestCutoffDays: nil,
+            recentMood: nil,
+            achievements: []
+        )
+    }
+
+    var onTimeRate: Double {
+        guard totalCheckIns > 0 else { return 0 }
+        return Double(onTimeCount) / Double(totalCheckIns)
+    }
+}

PortfolioJournal/Models/MonthlySummary.swift

@@ -0,0 +1,73 @@
+import Foundation
+
+struct MonthlySummary {
+    let periodLabel: String
+    let startDate: Date
+    let endDate: Date
+    let startingValue: Decimal
+    let endingValue: Decimal
+    let contributions: Decimal
+    let netPerformance: Decimal
+
+    var netPerformancePercentage: Double {
+        let base = startingValue + contributions
+        guard base > 0 else { return 0 }
+        return NSDecimalNumber(decimal: netPerformance / base).doubleValue * 100
+    }
+
+    var formattedStartingValue: String {
+        CurrencyFormatter.format(startingValue, style: .currency, maximumFractionDigits: 0)
+    }
+
+    var formattedEndingValue: String {
+        CurrencyFormatter.format(endingValue, style: .currency, maximumFractionDigits: 0)
+    }
+
+    var formattedContributions: String {
+        CurrencyFormatter.format(contributions, style: .currency, maximumFractionDigits: 0)
+    }
+
+    var formattedNetPerformance: String {
+        let prefix = netPerformance >= 0 ? "+" : ""
+        let value = CurrencyFormatter.format(netPerformance, style: .currency, maximumFractionDigits: 0)
+        return prefix + value
+    }
+
+    var formattedNetPerformancePercentage: String {
+        let prefix = netPerformance >= 0 ? "+" : ""
+        return String(format: "\(prefix)%.2f%%", netPerformancePercentage)
+    }
+
+    static var empty: MonthlySummary {
+        MonthlySummary(
+            periodLabel: "This Month",
+            startDate: Date(),
+            endDate: Date(),
+            startingValue: 0,
+            endingValue: 0,
+            contributions: 0,
+            netPerformance: 0
+        )
+    }
+}
+
+struct PortfolioChange {
+    let absolute: Decimal
+    let percentage: Double
+    let label: String
+
+    var formattedAbsolute: String {
+        let prefix = absolute >= 0 ? "+" : ""
+        let value = CurrencyFormatter.format(absolute, style: .currency, maximumFractionDigits: 0)
+        return prefix + value
+    }
+
+    var formattedPercentage: String {
+        let prefix = absolute >= 0 ? "+" : ""
+        return String(format: "\(prefix)%.2f%%", percentage)
+    }
+
+    static var empty: PortfolioChange {
+        PortfolioChange(absolute: 0, percentage: 0, label: "since last update")
+    }
+}

PortfolioJournal/Models/Prediction.swift

@@ -0,0 +1,105 @@
+import Foundation
+
+struct Prediction: Codable, Identifiable {
+    let id: UUID
+    let date: Date
+    let predictedValue: Decimal
+    let algorithm: PredictionAlgorithm
+    let confidenceInterval: ConfidenceInterval
+
+    init(
+        id: UUID = UUID(),
+        date: Date,
+        predictedValue: Decimal,
+        algorithm: PredictionAlgorithm,
+        confidenceInterval: ConfidenceInterval
+    ) {
+        self.id = id
+        self.date = date
+        self.predictedValue = predictedValue
+        self.algorithm = algorithm
+        self.confidenceInterval = confidenceInterval
+    }
+
+    struct ConfidenceInterval: Codable {
+        let lower: Decimal
+        let upper: Decimal
+
+        var range: Decimal {
+            upper - lower
+        }
+
+        var percentageWidth: Decimal {
+            guard upper != 0 else { return 0 }
+            return (range / upper) * 100
+        }
+    }
+}
+
+// MARK: - Prediction Algorithm Codable
+
+extension PredictionAlgorithm: Codable {}
+
+// MARK: - Prediction Helpers
+
+extension Prediction {
+    var formattedValue: String {
+        CurrencyFormatter.format(predictedValue, style: .currency, maximumFractionDigits: 0)
+    }
+
+    var formattedDate: String {
+        let formatter = DateFormatter()
+        formatter.dateFormat = "MMM yyyy"
+        return formatter.string(from: date)
+    }
+
+    var formattedConfidenceRange: String {
+        let lower = CurrencyFormatter.format(
+            confidenceInterval.lower,
+            style: .currency,
+            maximumFractionDigits: 0
+        )
+        let upper = CurrencyFormatter.format(
+            confidenceInterval.upper,
+            style: .currency,
+            maximumFractionDigits: 0
+        )
+
+        return "\(lower) - \(upper)"
+    }
+}
+
+// MARK: - Prediction Result
+
+struct PredictionResult {
+    let predictions: [Prediction]
+    let algorithm: PredictionAlgorithm
+    let accuracy: Double // R-squared or similar metric
+    let volatility: Double
+
+    var isHighConfidence: Bool {
+        accuracy >= 0.7
+    }
+
+    var confidenceLevel: ConfidenceLevel {
+        switch accuracy {
+        case 0.8...: return .high
+        case 0.5..<0.8: return .medium
+        default: return .low
+        }
+    }
+
+    enum ConfidenceLevel: String {
+        case high = "High"
+        case medium = "Medium"
+        case low = "Low"
+
+        var color: String {
+            switch self {
+            case .high: return "#10B981"
+            case .medium: return "#F59E0B"
+            case .low: return "#EF4444"
+            }
+        }
+    }
+}