Define OpenSpec change for monthly expense tracker v1

openspec/changes/monthly-expense-tracker-v1/proposal.md

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+## Why
+
+The project currently has a product plan but no runnable application, spec artifacts, or implementation scaffold. Formalizing the first version now creates a clear contract for building a local-first expense tracker with reliable monthly summaries and AI-generated guidance.
+
+## What Changes
+
+- Add a local-first web app for tracking expenses and biweekly paychecks without authentication.
+- Add dashboard capabilities for month-to-date totals, category breakdowns, cash flow, and spending comparisons.
+- Add manual AI insight generation for a selected month using structured aggregates and transaction samples.
+- Add local persistence, validation, and API routes for expenses, paychecks, dashboard data, and insight generation.
+
+## Capabilities
+
+### New Capabilities
+- `expense-tracking`: Record, list, and delete categorized expenses for a given date.
+- `paycheck-tracking`: Record, list, and delete paycheck entries based on actual pay dates.
+- `monthly-dashboard`: View month-specific spending, income, and derived financial summaries.
+- `monthly-insights`: Generate read-only AI insights from monthly financial activity.
+
+### Modified Capabilities
+- None.
+
+## Impact
+
+- Affected code: new `Next.js` application, server routes, UI views, Prisma schema, and AI integration service.
+- APIs: `POST/GET/DELETE` routes for expenses and paychecks, `GET /dashboard`, and `POST /insights/generate`.
+- Dependencies: `Next.js`, `Prisma`, `SQLite`, and `OpenAI` SDK.
+- Systems: local machine timezone handling for month boundaries and persisted local database storage.