V3: 3 Farbschemata, Grundprofil auf Plan-Ebene, Erstellungs-Popups, integer-Zahlenfelder mit Beschleunigungs-Spinner, Carry-Forward des Zielwerts, gefuehrter Uebergang

- Theming: semantische CSS-Tokens + 3 waehlbare Schemata (Hell/Dunkel/Warm/Sunset), Umschalter im Profil-Menue, FOUC-frei via Inline-Script, localStorage; Klassen-Sweep aller Komponenten, Recharts aus Tokens
- Datenmodell: Household entfaellt; Plan traegt Haushaltsform/Personen/Inflation selbst (Person -> planId, Plan -> userId); destruktive Migration (TRUNCATE); Onboarding/HouseholdSettings entfernt; Plan-Erstellung & -Einstellungen mit Profilfeldern
- Popups: Element-Erstellung mit Inline-Feldern (geteilte ElementPhaseFields/ElementTransitionFields), Phase- und Plan-Popups mit Direkteingabe
- Zahlenfelder: 1'000er-Runden entfernt (floorToThousand/roundToHundred weg), integer MoneyInput mit beschleunigendem Press-and-Hold-Spinner, 0-Bug-Fix, harte Live-Caps
- Quote: Amortisation + Tilgung neu quotenwirksam; Restquote sichtbar (sinkt beim Verteilen); Invest-Deckel = verfuegbares Kapital + fortgeschriebener Zielwert
- Carry-Forward: Startwert der Folgephase = Zielwert der Vorphase minus Uebergangs-Bezug (live abgeleitet); optionale Zusatzinvestition aus verfuegbarem Kapital
- Matrix: Zelle zeigt Start -> Ziel; Uebergangs-Spaltenkopf mit "n offen"-Badge + gefuehrtem Pruef-Panel

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

prisma/migrations/20260713150000_profile_to_plan_v3/migration.sql

@@ -0,0 +1,40 @@
+-- V3-Rework: Das Grundprofil (Haushaltsform, Personen, Inflation) wandert vom Household
+-- auf die Plan-Ebene. Bestehende Plaene/Personen sind ohne Household-Bezug bzw. ohne die
+-- neuen Pflichtfelder nicht migrierbar -- die (disponiblen) Testdaten werden verworfen.
+TRUNCATE TABLE "Person", "Plan" CASCADE;
+
+-- DropForeignKey
+ALTER TABLE "Household" DROP CONSTRAINT "Household_userId_fkey";
+
+-- DropForeignKey
+ALTER TABLE "Person" DROP CONSTRAINT "Person_householdId_fkey";
+
+-- DropForeignKey
+ALTER TABLE "Plan" DROP CONSTRAINT "Plan_householdId_fkey";
+
+-- DropIndex
+DROP INDEX "Person_householdId_role_key";
+
+-- AlterTable
+ALTER TABLE "Person" DROP COLUMN "householdId",
+ADD COLUMN     "planId" TEXT NOT NULL;
+
+-- AlterTable
+ALTER TABLE "Plan" DROP COLUMN "householdId",
+DROP COLUMN "retirementAgeA",
+DROP COLUMN "retirementAgeB",
+ADD COLUMN     "householdType" "HouseholdType" NOT NULL,
+ADD COLUMN     "inflationRateDefault" DOUBLE PRECISION NOT NULL,
+ADD COLUMN     "userId" TEXT NOT NULL;
+
+-- DropTable
+DROP TABLE "Household";
+
+-- CreateIndex
+CREATE UNIQUE INDEX "Person_planId_role_key" ON "Person"("planId", "role");
+
+-- AddForeignKey
+ALTER TABLE "Person" ADD CONSTRAINT "Person_planId_fkey" FOREIGN KEY ("planId") REFERENCES "Plan"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Plan" ADD CONSTRAINT "Plan_userId_fkey" FOREIGN KEY ("userId") REFERENCES "User"("id") ON DELETE CASCADE ON UPDATE CASCADE;

prisma/schema.prisma

@@ -4,6 +4,10 @@
 // ein Werte-Datensatz (ElementPhaseValue) und je Uebergang ein Entscheid-Datensatz
 // (ElementTransitionValue). Die kategorie-/kontextspezifischen Felder liegen als JSON,
 // validiert und typisiert in der Applikationsschicht (lib/elements.ts).
+//
+// Rework 07/2026 (V3): Das Grundprofil (Haushaltsform, Personen, Inflation) wurde vom
+// frueheren Household auf die PLAN-Ebene verschoben. Jeder Plan ist selbsttragend und
+// definiert seine eigenen Personen (Alter, Pensionsalter) und Inflationsannahme.
 
 generator client {
   provider = "prisma-client"
@@ -20,7 +24,7 @@ model User {
   passwordHash String
   createdAt    DateTime @default(now())
 
-  households Household[]
+  plans Plan[]
 }
 
 enum HouseholdType {
@@ -50,42 +54,27 @@ enum ElementCategory {
   OTHER_DEBT
 }
 
-// Ein Haushalt (1 oder 2 Personen), gehoert genau einem Benutzer.
+// Einzelperson eines Plans. retirementAge ist das (plan-eigene) Pensionsalter.
-model Household {
-  id                   String        @id @default(cuid())
-  userId               String
-  user                 User          @relation(fields: [userId], references: [id], onDelete: Cascade)
-  householdType        HouseholdType
-  inflationRateDefault Float
-  createdAt            DateTime      @default(now())
-  updatedAt            DateTime      @updatedAt
-
-  persons Person[]
-  plans   Plan[]
-}
-
-// Einzelperson im Haushalt. retirementAge ist die Standard-Annahme (im Plan uebersteuerbar).
 model Person {
   id            String     @id @default(cuid())
-  householdId   String
+  planId        String
-  household     Household  @relation(fields: [householdId], references: [id], onDelete: Cascade)
+  plan          Plan       @relation(fields: [planId], references: [id], onDelete: Cascade)
   role          PersonRole
   age           Int
   retirementAge Int
 
-  @@unique([householdId, role])
+  @@unique([planId, role])
 }
 
-// Eine vollstaendige Phasenkette; kann Szenario eines anderen Plans sein.
+// Eine vollstaendige Phasenkette; selbsttragend inkl. Grundprofil (Haushaltsform,
-// retirementAgeA/B uebersteuern das Pensionsalter der jeweiligen Person NUR fuer diesen
+// Personen, Inflationsannahme). Kann Szenario eines anderen Plans sein (Deep-Copy).
-// Plan (null = Standard aus Person.retirementAge) -- ermoeglicht Fruehpensions-Szenarien.
 model Plan {
   id                   String        @id @default(cuid())
-  householdId    String
+  userId               String
-  household      Household @relation(fields: [householdId], references: [id], onDelete: Cascade)
+  user                 User          @relation(fields: [userId], references: [id], onDelete: Cascade)
   name                 String
-  retirementAgeA Int?
+  householdType        HouseholdType
-  retirementAgeB Int?
+  inflationRateDefault Float
 
   parentPlanId      String?
   parentPlan        Plan?   @relation("PlanScenarios", fields: [parentPlanId], references: [id], onDelete: SetNull)
@@ -95,6 +84,7 @@ model Plan {
   createdAt DateTime @default(now())
   updatedAt DateTime @updatedAt
 
+  persons  Person[]
   phases   Phase[]
   elements FinancialElement[]
 }

src/app/api/household/route.ts

@@ -1,110 +0,0 @@
-import { NextRequest, NextResponse } from "next/server";
-import { z } from "zod";
-import { prisma } from "@/lib/db";
-import { getHouseholdOrNull, toHouseholdInput } from "@/lib/queries";
-import { getCurrentUserId } from "@/lib/session";
-
-const personSchema = z.object({
-  role: z.enum(["PERSON_A", "PERSON_B"]),
-  age: z.number().int().min(0).max(120),
-  retirementAge: z.number().int().min(0).max(120),
-});
-
-const householdSchema = z.object({
-  householdType: z.enum(["SINGLE", "COUPLE"]),
-  inflationRateDefault: z.number().min(-20).max(50),
-  persons: z.array(personSchema).min(1).max(2),
-});
-
-function validatePersonsForType(data: z.infer<typeof householdSchema>) {
-  if (data.householdType === "SINGLE" && data.persons.length !== 1) {
-    return "Einzelperson-Haushalt benoetigt genau eine Person.";
-  }
-  if (data.householdType === "COUPLE" && data.persons.length !== 2) {
-    return "Paar-Haushalt benoetigt genau zwei Personen (Person A und Person B).";
-  }
-  return null;
-}
-
-export async function GET() {
-  const userId = await getCurrentUserId();
-  if (!userId) {
-    return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
-  }
-  const household = await getHouseholdOrNull(userId);
-  return NextResponse.json({ household: household ? toHouseholdInput(household) : null });
-}
-
-export async function POST(request: NextRequest) {
-  const userId = await getCurrentUserId();
-  if (!userId) {
-    return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
-  }
-
-  const existing = await getHouseholdOrNull(userId);
-  if (existing) {
-    return NextResponse.json(
-      { error: "Es existiert bereits ein Haushalt. Bitte PATCH verwenden, um ihn zu bearbeiten." },
-      { status: 409 }
-    );
-  }
-
-  const body = await request.json();
-  const parsed = householdSchema.safeParse(body);
-  if (!parsed.success) {
-    return NextResponse.json({ error: parsed.error.flatten() }, { status: 400 });
-  }
-  const error = validatePersonsForType(parsed.data);
-  if (error) {
-    return NextResponse.json({ error }, { status: 400 });
-  }
-
-  const household = await prisma.household.create({
-    data: {
-      userId,
-      householdType: parsed.data.householdType,
-      inflationRateDefault: parsed.data.inflationRateDefault,
-      persons: { create: parsed.data.persons },
-    },
-    include: { persons: true },
-  });
-
-  return NextResponse.json({ household: toHouseholdInput(household) }, { status: 201 });
-}
-
-export async function PATCH(request: NextRequest) {
-  const userId = await getCurrentUserId();
-  if (!userId) {
-    return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
-  }
-
-  const existing = await getHouseholdOrNull(userId);
-  if (!existing) {
-    return NextResponse.json({ error: "Kein Haushalt vorhanden." }, { status: 404 });
-  }
-
-  const body = await request.json();
-  const parsed = householdSchema.safeParse(body);
-  if (!parsed.success) {
-    return NextResponse.json({ error: parsed.error.flatten() }, { status: 400 });
-  }
-  const error = validatePersonsForType(parsed.data);
-  if (error) {
-    return NextResponse.json({ error }, { status: 400 });
-  }
-
-  const household = await prisma.$transaction(async (tx) => {
-    await tx.person.deleteMany({ where: { householdId: existing.id } });
-    return tx.household.update({
-      where: { id: existing.id },
-      data: {
-        householdType: parsed.data.householdType,
-        inflationRateDefault: parsed.data.inflationRateDefault,
-        persons: { create: parsed.data.persons },
-      },
-      include: { persons: true },
-    });
-  });
-
-  return NextResponse.json({ household: toHouseholdInput(household) });
-}

src/app/api/phases/[phaseId]/route.ts

@@ -1,7 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { z } from "zod";
 import { prisma } from "@/lib/db";
-import { getHouseholdOrNull, getOwnedPhase, getOwnedPlan, toPlanInput } from "@/lib/queries";
+import { getOwnedPhase, getOwnedPlan, toPlanInput } from "@/lib/queries";
 import { getCurrentUserId } from "@/lib/session";
 import { maxPhaseDuration } from "@/lib/calculations";
 
@@ -29,14 +29,13 @@ export async function PUT(
   let duration = parsed.data.durationYears;
   if (duration != null) {
     // Dauer ans naechste Pensionsereignis kappen (Jahre vor dieser Phase).
-    const household = await getHouseholdOrNull(userId);
     const plan = await getOwnedPlan(existing.planId, userId);
-    if (household && plan) {
+    if (plan) {
       const planInput = toPlanInput(plan);
       const yearsBefore = planInput.phases
         .filter((p) => p.sequenceNumber < existing.sequenceNumber)
         .reduce((s, p) => s + p.durationYears, 0);
-      const cap = maxPhaseDuration(household.persons, planInput, yearsBefore);
+      const cap = maxPhaseDuration(planInput.persons, yearsBefore);
       if (cap != null) duration = Math.min(duration, cap);
       duration = Math.max(1, duration);
     }

src/app/api/plans/[planId]/export/route.ts

@@ -1,5 +1,5 @@
 import { NextRequest, NextResponse } from "next/server";
-import { toHouseholdInput, toPlanInput, getHouseholdOrNull, getOwnedPlan } from "@/lib/queries";
+import { toPlanInput, getOwnedPlan } from "@/lib/queries";
 import { getCurrentUserId } from "@/lib/session";
 import { computePlan, planToCsv } from "@/lib/calculations";
 
@@ -12,10 +12,6 @@ export async function GET(
     return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   }
   const { planId } = await params;
-  const household = await getHouseholdOrNull(userId);
-  if (!household) {
-    return NextResponse.json({ error: "Kein Haushalt vorhanden." }, { status: 400 });
-  }
 
   const plan = await getOwnedPlan(planId, userId);
   if (!plan) {
@@ -23,7 +19,7 @@ export async function GET(
   }
 
   const planInput = toPlanInput(plan);
-  const computed = computePlan(planInput, toHouseholdInput(household));
+  const computed = computePlan(planInput);
   const csv = planToCsv(planInput, computed);
 
   return new NextResponse(csv, {

src/app/api/plans/[planId]/phases/route.ts

@@ -1,7 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { z } from "zod";
 import { prisma } from "@/lib/db";
-import { getHouseholdOrNull, getOwnedPlan, toHouseholdInput, toPlanInput } from "@/lib/queries";
+import { getOwnedPlan, toPlanInput } from "@/lib/queries";
 import { getCurrentUserId } from "@/lib/session";
 import { Prisma } from "@/generated/prisma/client";
 import { computePlan, maxPhaseDuration } from "@/lib/calculations";
@@ -10,11 +10,12 @@ import { num, type PhaseData } from "@/lib/elements";
 const createPhaseSchema = z.object({
   name: z.string().min(1).max(120).optional(),
   durationYears: z.number().int().min(1).max(80).optional(),
+  inflationRate: z.number().min(-20).max(50).nullable().optional(),
 });
 
 // Legt eine neue Lebensphase am Ende der Kette an. Die Dauer wird ans naechste
-// Pensionsereignis gekappt. Fuer bestehende Elemente werden die Werte 1:1 bzw. mit
+// Pensionsereignis gekappt. Fuer bestehende Elemente werden die editierbaren Felder
-// den fortgeschriebenen Endbestaenden aus der Vorphase vorbelegt.
+// vorbelegt; die Startwerte werden in der Berechnung live aus der Vorphase fortgeschrieben.
 export async function POST(
   request: NextRequest,
   { params }: { params: Promise<{ planId: string }> }
@@ -23,8 +24,6 @@ export async function POST(
   if (!userId) return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   const { planId } = await params;
 
-  const household = await getHouseholdOrNull(userId);
-  if (!household) return NextResponse.json({ error: "Kein Haushalt vorhanden." }, { status: 400 });
   const plan = await getOwnedPlan(planId, userId);
   if (!plan) return NextResponse.json({ error: "Plan nicht gefunden." }, { status: 404 });
 
@@ -32,10 +31,9 @@ export async function POST(
   const parsed = createPhaseSchema.safeParse(body);
   if (!parsed.success) return NextResponse.json({ error: "Ungueltige Eingabe." }, { status: 400 });
 
-  const householdInput = toHouseholdInput(household);
   const planInput = toPlanInput(plan);
   const yearsBefore = planInput.phases.reduce((s, p) => s + p.durationYears, 0);
-  const cap = maxPhaseDuration(household.persons, planInput, yearsBefore);
+  const cap = maxPhaseDuration(planInput.persons, yearsBefore);
 
   let duration = parsed.data.durationYears ?? (cap ?? 10);
   if (cap != null) duration = Math.min(duration, cap);
@@ -44,18 +42,15 @@ export async function POST(
   const nextSequence = planInput.phases.length + 1;
 
   // Phasentyp der neuen Phase fuer den Default-Namen bestimmen.
-  const anyRetiredAtStart = household.persons.some((p) => {
+  const anyRetiredAtStart = planInput.persons.some((p) => p.age + yearsBefore >= p.retirementAge);
-    const ra = p.role === "PERSON_A" ? planInput.retirementAgeA ?? p.retirementAge : planInput.retirementAgeB ?? p.retirementAge;
-    return p.age + yearsBefore >= ra;
-  });
   const defaultName =
     parsed.data.name ?? (nextSequence === 1 ? "Erste Lebensphase" : anyRetiredAtStart ? "Pensionsphase" : "Erwerbsphase");
 
-  // Endbestaende der bisher letzten Phase (fuer Carry-Vorbelegung).
+  // Status der Elemente in der bisher letzten Phase (verkauft/getilgt nicht fortfuehren).
-  const prevComputed = planInput.phases.length > 0 ? computePlan(planInput, householdInput) : null;
+  const prevComputed = planInput.phases.length > 0 ? computePlan(planInput) : null;
   const lastPhaseId = planInput.phases.at(-1)?.id;
   const prevPhase = prevComputed?.phases.find((p) => p.id === lastPhaseId) ?? null;
-  const prevElemById = new Map((prevPhase?.elements ?? []).map((e) => [e.elementId, e]));
+  const prevStatusById = new Map((prevPhase?.elements ?? []).map((e) => [e.elementId, e.status]));
 
   const phase = await prisma.$transaction(async (tx) => {
     const created = await tx.phase.create({
@@ -64,15 +59,15 @@ export async function POST(
         sequenceNumber: nextSequence,
         name: defaultName,
         durationYears: duration,
+        inflationRate: parsed.data.inflationRate ?? undefined,
       },
     });
 
-    // Carry-Vorbelegung fuer bestehende Elemente.
+    // Vorbelegung der editierbaren Felder bestehender Elemente.
     for (const e of planInput.elements) {
-      const prev = prevElemById.get(e.id);
+      if ((prevStatusById.get(e.id) ?? "ACTIVE") !== "ACTIVE") continue; // verkauft/getilgt
-      if (prev && prev.status !== "ACTIVE") continue; // verkauft/getilgt -> nicht mehr fortfuehren
       const prevData: PhaseData = e.phaseValues[lastPhaseId ?? ""] ?? {};
-      const data: PhaseData = buildCarryData(e.category, prevData, prev?.endValue);
+      const data: PhaseData = buildCarryData(e.category, prevData);
       await tx.elementPhaseValue.create({
         data: { elementId: e.id, phaseId: created.id, data: data as Prisma.InputJsonValue },
       });
@@ -84,12 +79,10 @@ export async function POST(
   return NextResponse.json({ phase: { id: phase.id } }, { status: 201 });
 }
 
-function buildCarryData(
+// Vorbelegung fuer eine neue Phase: nur die editierbaren Felder werden uebernommen. Start-
-  category: string,
+// bzw. Restwerte (PK/3a/Vermoegen/Hypothek/Schuld) werden in der Berechnung live aus der
-  prev: PhaseData,
+// Vorphase fortgeschrieben und deshalb hier NICHT als Snapshot gespeichert.
-  prevEndValue: number | undefined
+function buildCarryData(category: string, prev: PhaseData): PhaseData {
-): PhaseData {
-  const endVal = Math.max(0, Math.round(prevEndValue ?? 0));
   switch (category) {
     case "INCOME":
     case "EXPENSE":
@@ -98,18 +91,13 @@ function buildCarryData(
       return { gapYears: 0 };
     case "PENSION_FUND":
     case "PILLAR_3A":
-      return { currentValue: endVal, annualContribution: num(prev.annualContribution), expectedReturn: num(prev.expectedReturn) };
     case "OTHER_ASSET":
-      return { startValue: endVal, annualContribution: num(prev.annualContribution), expectedReturn: num(prev.expectedReturn) };
+      return { annualContribution: num(prev.annualContribution), expectedReturn: num(prev.expectedReturn) };
     case "REAL_ESTATE":
-      // endValue = purchase - mortgage; Hypothek fortschreiben ueber purchasePrice - endValue.
+      // purchasePrice + amortization bleiben; die Resthypothek wird live fortgeschrieben.
-      return {
+      return { purchasePrice: num(prev.purchasePrice), amortization: num(prev.amortization) };
-        purchasePrice: num(prev.purchasePrice),
-        mortgage: Math.max(0, num(prev.purchasePrice) - endVal),
-        amortization: num(prev.amortization),
-      };
     case "OTHER_DEBT":
-      return { startValue: Math.abs(endVal), annualRepayment: num(prev.annualRepayment) };
+      return { annualRepayment: num(prev.annualRepayment) };
     default:
       return {};
   }

src/app/api/plans/[planId]/route.ts

@@ -1,9 +1,10 @@
 import { NextRequest, NextResponse } from "next/server";
 import { z } from "zod";
 import { prisma } from "@/lib/db";
-import { toHouseholdInput, toPlanInput, getHouseholdOrNull, getOwnedPlan } from "@/lib/queries";
+import { toPlanInput, getOwnedPlan } from "@/lib/queries";
 import { getCurrentUserId } from "@/lib/session";
 import { computePlan } from "@/lib/calculations";
+import { planProfileSchema, validatePersonsForType } from "@/app/api/plans/route";
 
 export async function GET(
   _request: NextRequest,
@@ -13,24 +14,20 @@ export async function GET(
   if (!userId) return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   const { planId } = await params;
 
-  const household = await getHouseholdOrNull(userId);
-  if (!household) return NextResponse.json({ error: "Kein Haushalt vorhanden." }, { status: 400 });
-
   const plan = await getOwnedPlan(planId, userId);
   if (!plan) return NextResponse.json({ error: "Plan nicht gefunden." }, { status: 404 });
 
-  const householdInput = toHouseholdInput(household);
   const planInput = toPlanInput(plan);
-  const computed = computePlan(planInput, householdInput);
+  const computed = computePlan(planInput);
 
   return NextResponse.json({ plan: planInput, computed });
 }
 
-const patchSchema = z.object({
+// Name allein aendern ODER das ganze Plan-Profil (Haushaltsform/Personen/Inflation).
-  name: z.string().min(1).max(120).optional(),
+const patchSchema = z.union([
-  retirementAgeA: z.number().int().min(30).max(100).nullable().optional(),
+  z.object({ name: z.string().min(1).max(120) }),
-  retirementAgeB: z.number().int().min(30).max(100).nullable().optional(),
+  planProfileSchema.extend({ name: z.string().min(1).max(120).optional() }),
-});
+]);
 
 export async function PATCH(
   request: NextRequest,
@@ -40,21 +37,38 @@ export async function PATCH(
   if (!userId) return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   const { planId } = await params;
 
-  const plan = await prisma.plan.findFirst({ where: { id: planId, household: { userId } } });
+  const plan = await prisma.plan.findFirst({ where: { id: planId, userId } });
   if (!plan) return NextResponse.json({ error: "Plan nicht gefunden." }, { status: 404 });
 
   const body = await request.json();
   const parsed = patchSchema.safeParse(body);
   if (!parsed.success) return NextResponse.json({ error: "Ungueltige Eingabe." }, { status: 400 });
 
-  const updated = await prisma.plan.update({
+  const data = parsed.data;
+  const hasProfile = "householdType" in data;
+
+  if (hasProfile) {
+    const error = validatePersonsForType(data);
+    if (error) return NextResponse.json({ error }, { status: 400 });
+    const updated = await prisma.$transaction(async (tx) => {
+      await tx.person.deleteMany({ where: { planId: plan.id } });
+      return tx.plan.update({
         where: { id: plan.id },
         data: {
-      name: parsed.data.name ?? undefined,
+          name: data.name ?? undefined,
-      retirementAgeA: parsed.data.retirementAgeA === undefined ? undefined : parsed.data.retirementAgeA,
+          householdType: data.householdType,
-      retirementAgeB: parsed.data.retirementAgeB === undefined ? undefined : parsed.data.retirementAgeB,
+          inflationRateDefault: data.inflationRateDefault,
+          persons: { create: data.persons },
         },
       });
+    });
+    return NextResponse.json({ plan: { id: updated.id, name: updated.name } });
+  }
+
+  const updated = await prisma.plan.update({
+    where: { id: plan.id },
+    data: { name: data.name },
+  });
   return NextResponse.json({ plan: { id: updated.id, name: updated.name } });
 }
 
@@ -65,7 +79,7 @@ export async function DELETE(
   const userId = await getCurrentUserId();
   if (!userId) return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   const { planId } = await params;
-  const plan = await prisma.plan.findFirst({ where: { id: planId, household: { userId } } });
+  const plan = await prisma.plan.findFirst({ where: { id: planId, userId } });
   if (!plan) return NextResponse.json({ error: "Plan nicht gefunden." }, { status: 404 });
   await prisma.plan.delete({ where: { id: plan.id } });
   return NextResponse.json({ ok: true });

src/app/api/plans/[planId]/scenario/route.ts

@@ -36,11 +36,14 @@ export async function POST(
   const newPlanId = await prisma.$transaction(async (tx) => {
     const newPlan = await tx.plan.create({
       data: {
-        householdId: source.householdId,
+        userId,
         name: parsed.data.name,
-        retirementAgeA: source.retirementAgeA,
+        householdType: source.householdType,
-        retirementAgeB: source.retirementAgeB,
+        inflationRateDefault: source.inflationRateDefault,
         parentPlanId: source.id,
+        persons: {
+          create: source.persons.map((p) => ({ role: p.role, age: p.age, retirementAge: p.retirementAge })),
+        },
       },
     });
 

src/app/api/plans/route.ts

@@ -1,24 +1,42 @@
 import { NextRequest, NextResponse } from "next/server";
 import { z } from "zod";
 import { prisma } from "@/lib/db";
-import { getHouseholdOrNull } from "@/lib/queries";
 import { getCurrentUserId } from "@/lib/session";
 
-const createPlanSchema = z.object({
+const personSchema = z.object({
-  name: z.string().min(1).max(120),
+  role: z.enum(["PERSON_A", "PERSON_B"]),
+  age: z.number().int().min(0).max(120),
+  retirementAge: z.number().int().min(30).max(100),
 });
 
+// Ein Plan traegt sein eigenes Grundprofil (Haushaltsform, Personen, Inflation).
+export const planProfileSchema = z.object({
+  householdType: z.enum(["SINGLE", "COUPLE"]),
+  inflationRateDefault: z.number().min(-20).max(50),
+  persons: z.array(personSchema).min(1).max(2),
+});
+
+const createPlanSchema = z
+  .object({ name: z.string().min(1).max(120) })
+  .and(planProfileSchema);
+
+export function validatePersonsForType(data: z.infer<typeof planProfileSchema>): string | null {
+  if (data.householdType === "SINGLE" && data.persons.length !== 1) {
+    return "Einzelperson-Plan benoetigt genau eine Person.";
+  }
+  if (data.householdType === "COUPLE" && data.persons.length !== 2) {
+    return "Paar-Plan benoetigt genau zwei Personen (Person A und Person B).";
+  }
+  return null;
+}
+
 export async function GET() {
   const userId = await getCurrentUserId();
   if (!userId) {
     return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   }
-  const household = await getHouseholdOrNull(userId);
-  if (!household) {
-    return NextResponse.json({ plans: [] });
-  }
   const plans = await prisma.plan.findMany({
-    where: { householdId: household.id },
+    where: { userId },
     orderBy: { createdAt: "asc" },
     select: {
       id: true,
@@ -40,23 +58,24 @@ export async function POST(request: NextRequest) {
   if (!userId) {
     return NextResponse.json({ error: "Nicht authentifiziert." }, { status: 401 });
   }
-  const household = await getHouseholdOrNull(userId);
-  if (!household) {
-    return NextResponse.json(
-      { error: "Bitte zuerst das Grundprofil (Onboarding) anlegen." },
-      { status: 400 }
-    );
-  }
 
   const body = await request.json();
   const parsed = createPlanSchema.safeParse(body);
   if (!parsed.success) {
     return NextResponse.json({ error: parsed.error.flatten() }, { status: 400 });
   }
+  const error = validatePersonsForType(parsed.data);
+  if (error) return NextResponse.json({ error }, { status: 400 });
 
   const plan = await prisma.plan.create({
-    data: { householdId: household.id, name: parsed.data.name },
+    data: {
+      userId,
+      name: parsed.data.name,
+      householdType: parsed.data.householdType,
+      inflationRateDefault: parsed.data.inflationRateDefault,
+      persons: { create: parsed.data.persons },
+    },
   });
 
-  return NextResponse.json({ plan }, { status: 201 });
+  return NextResponse.json({ plan: { id: plan.id } }, { status: 201 });
 }

src/app/globals.css

@@ -1,26 +1,130 @@
 @import "tailwindcss";
 
-:root {
+/* -------------------------------------------------------------------------
-  --background: #f8fafc;
+   Semantische Farb-Tokens. Drei umschaltbare Schemata ueber data-theme am
-  --foreground: #1e293b;
+   <html>: "light", "dark", "warm". Ohne explizite Wahl folgt das Standard-
+   :root der OS-Einstellung (prefers-color-scheme). Umschaltung: lib/theme.ts.
+   ------------------------------------------------------------------------- */
+
+:root,
+:root[data-theme="light"] {
+  --bg: #f8fafc;
+  --surface: #ffffff;
+  --surface-2: #f4f4f5;
+  --input: #ffffff;
+  --border: #e4e4e7;
+  --border-strong: #d4d4d8;
+  --fg: #18181b;
+  --muted: #52525b;
+  --faint: #a1a1aa;
+  --accent: #4f46e5;
+  --accent-hover: #4338ca;
+  --accent-fg: #ffffff;
+  --accent-soft: #eef2ff;
+  --accent-soft-fg: #4338ca;
+  --danger: #dc2626;
+  --danger-soft: #fef2f2;
+  --success: #059669;
+  --person-a: #4f46e5;
+  --person-b: #0ea5e9;
+}
+
+:root[data-theme="dark"] {
+  --bg: #10131c;
+  --surface: #18181b;
+  --surface-2: #27272a;
+  --input: #27272a;
+  --border: #27272a;
+  --border-strong: #3f3f46;
+  --fg: #f4f4f5;
+  --muted: #a1a1aa;
+  --faint: #71717a;
+  --accent: #6366f1;
+  --accent-hover: #818cf8;
+  --accent-fg: #ffffff;
+  --accent-soft: rgba(99, 102, 241, 0.16);
+  --accent-soft-fg: #a5b4fc;
+  --danger: #f87171;
+  --danger-soft: rgba(220, 38, 38, 0.16);
+  --success: #34d399;
+  --person-a: #818cf8;
+  --person-b: #38bdf8;
+}
+
+/* Warm / Sunset: cremefarbener Grund, Koralle-Akzent, Amber-Sekundaerton. */
+:root[data-theme="warm"] {
+  --bg: #fbf7f2;
+  --surface: #fffdfa;
+  --surface-2: #f5ede3;
+  --input: #ffffff;
+  --border: #eadfd2;
+  --border-strong: #dac9b6;
+  --fg: #2b2320;
+  --muted: #6b5d53;
+  --faint: #a89a8c;
+  --accent: #e8663c;
+  --accent-hover: #d2542c;
+  --accent-fg: #ffffff;
+  --accent-soft: #fcebe2;
+  --accent-soft-fg: #b24521;
+  --danger: #c0392b;
+  --danger-soft: #fbeae7;
+  --success: #2e9e7b;
+  --person-a: #e8663c;
+  --person-b: #f2a93b;
+}
+
+/* Ohne gespeicherte Wahl der Dunkel-OS-Einstellung folgen. */
+@media (prefers-color-scheme: dark) {
+  :root:not([data-theme]) {
+    --bg: #10131c;
+    --surface: #18181b;
+    --surface-2: #27272a;
+    --input: #27272a;
+    --border: #27272a;
+    --border-strong: #3f3f46;
+    --fg: #f4f4f5;
+    --muted: #a1a1aa;
+    --faint: #71717a;
+    --accent: #6366f1;
+    --accent-hover: #818cf8;
+    --accent-fg: #ffffff;
+    --accent-soft: rgba(99, 102, 241, 0.16);
+    --accent-soft-fg: #a5b4fc;
+    --danger: #f87171;
+    --danger-soft: rgba(220, 38, 38, 0.16);
+    --success: #34d399;
+    --person-a: #818cf8;
+    --person-b: #38bdf8;
+  }
 }
 
 @theme inline {
-  --color-background: var(--background);
+  --color-bg: var(--bg);
-  --color-foreground: var(--foreground);
+  --color-surface: var(--surface);
+  --color-surface-2: var(--surface-2);
+  --color-input: var(--input);
+  --color-border: var(--border);
+  --color-border-strong: var(--border-strong);
+  --color-fg: var(--fg);
+  --color-muted: var(--muted);
+  --color-faint: var(--faint);
+  --color-accent: var(--accent);
+  --color-accent-hover: var(--accent-hover);
+  --color-accent-fg: var(--accent-fg);
+  --color-accent-soft: var(--accent-soft);
+  --color-accent-soft-fg: var(--accent-soft-fg);
+  --color-danger: var(--danger);
+  --color-danger-soft: var(--danger-soft);
+  --color-success: var(--success);
+  --color-person-a: var(--person-a);
+  --color-person-b: var(--person-b);
   --font-sans: var(--font-geist-sans);
   --font-mono: var(--font-geist-mono);
 }
 
-@media (prefers-color-scheme: dark) {
-  :root {
-    --background: #10131c;
-    --foreground: #e2e8f0;
-  }
-}
-
 body {
-  background: var(--background);
+  background: var(--bg);
-  color: var(--foreground);
+  color: var(--fg);
   font-family: Arial, Helvetica, sans-serif;
 }

src/app/layout.tsx

@@ -17,6 +17,9 @@ export const metadata: Metadata = {
   description: "Persoenliche Finanzplanung ueber Lebensabschnittsphasen (AICDS)",
 };
 
+// Setzt data-theme aus localStorage noch vor dem ersten Paint (verhindert FOUC).
+const themeInitScript = `try{var t=localStorage.getItem('fpt-theme');if(t==='light'||t==='dark'||t==='warm'){document.documentElement.setAttribute('data-theme',t);}}catch(e){}`;
+
 export default function RootLayout({
   children,
 }: Readonly<{
@@ -24,9 +27,13 @@ export default function RootLayout({
 }>) {
   return (
     <html
-      lang="en"
+      lang="de"
+      suppressHydrationWarning
       className={`${geistSans.variable} ${geistMono.variable} h-full antialiased`}
     >
+      <head>
+        <script dangerouslySetInnerHTML={{ __html: themeInitScript }} />
+      </head>
       <body className="min-h-full flex flex-col">{children}</body>
     </html>
   );

src/app/login/page.tsx

@@ -46,28 +46,28 @@ function LoginForm() {
   }
 
   const inputClass =
-    "w-full rounded-lg border border-zinc-300 bg-white py-2 pl-9 pr-3 text-sm text-zinc-900 shadow-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-700 dark:bg-zinc-950 dark:text-zinc-100";
+    "w-full rounded-lg border border-border bg-input py-2 pl-9 pr-3 text-sm text-fg shadow-sm focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25";
 
   return (
     <div className="flex flex-1 items-center justify-center px-4">
       <div className="w-full max-w-sm">
         <div className="mb-6 flex flex-col items-center gap-2 text-center">
-          <div className="flex h-12 w-12 items-center justify-center rounded-2xl bg-indigo-600 shadow-md dark:bg-indigo-500">
+          <div className="flex h-12 w-12 items-center justify-center rounded-2xl bg-accent shadow-md">
-            <PiggyBank className="h-7 w-7 text-white" />
+            <PiggyBank className="h-7 w-7 text-accent-fg" />
           </div>
-          <h1 className="text-xl font-semibold text-zinc-900 dark:text-zinc-50">
+          <h1 className="text-xl font-semibold text-fg">
             Financial Planning Tool
           </h1>
-          <p className="text-xs text-zinc-500 dark:text-zinc-400">
+          <p className="text-xs text-muted">
             Persoenliche Finanzplanung ueber Lebensphasen
           </p>
         </div>
 
         <form
           onSubmit={handleSubmit}
-          className="flex flex-col gap-4 rounded-2xl border border-zinc-200/70 bg-white p-6 shadow-sm dark:border-zinc-800 dark:bg-zinc-900"
+          className="flex flex-col gap-4 rounded-2xl border border-border bg-surface p-6 shadow-sm"
         >
-          <div className="flex rounded-lg bg-zinc-100 p-1 dark:bg-zinc-800">
+          <div className="flex rounded-lg bg-surface-2 p-1">
             {(["login", "register"] as Mode[]).map((m) => (
               <button
                 key={m}
@@ -78,8 +78,8 @@ function LoginForm() {
                 }}
                 className={`flex-1 rounded-md px-3 py-1.5 text-sm font-medium transition-colors ${
                   mode === m
-                    ? "bg-white text-indigo-600 shadow-sm dark:bg-zinc-900 dark:text-indigo-400"
+                    ? "bg-surface text-accent shadow-sm"
-                    : "text-zinc-500 hover:text-zinc-700 dark:hover:text-zinc-300"
+                    : "text-muted hover:text-fg"
                 }`}
               >
                 {m === "login" ? "Anmelden" : "Registrieren"}
@@ -88,7 +88,7 @@ function LoginForm() {
           </div>
 
           <div className="relative">
-            <User className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-zinc-400" />
+            <User className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-faint" />
             <input
               type="text"
               autoFocus
@@ -100,7 +100,7 @@ function LoginForm() {
             />
           </div>
           <div className="relative">
-            <Lock className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-zinc-400" />
+            <Lock className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-faint" />
             <input
               type="password"
               autoComplete={mode === "login" ? "current-password" : "new-password"}
@@ -112,7 +112,7 @@ function LoginForm() {
           </div>
           {mode === "register" && (
             <div className="relative">
-              <Lock className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-zinc-400" />
+              <Lock className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-faint" />
               <input
                 type="password"
                 autoComplete="new-password"
@@ -123,11 +123,11 @@ function LoginForm() {
               />
             </div>
           )}
-          {error && <p className="text-sm text-red-600 dark:text-red-400">{error}</p>}
+          {error && <p className="text-sm text-danger">{error}</p>}
           <button
             type="submit"
             disabled={loading}
-            className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 disabled:opacity-50 dark:bg-indigo-500 dark:hover:bg-indigo-400"
+            className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover disabled:opacity-50"
           >
             {loading ? "..." : mode === "login" ? "Anmelden" : "Konto erstellen"}
           </button>

src/app/page.tsx

@@ -1,41 +1,29 @@
 "use client";
 
 import { useEffect, useState } from "react";
-import { Onboarding } from "@/components/Onboarding";
 import { AppShell } from "@/components/AppShell";
 import { api } from "@/lib/api-client";
-import type { HouseholdInput } from "@/lib/types";
 
 export default function Home() {
-  const [household, setHousehold] = useState<HouseholdInput | null | undefined>(undefined);
+  const [username, setUsername] = useState<string | null>(null);
-  const [username, setUsername] = useState<string>("");
 
   useEffect(() => {
-    Promise.all([
+    api
-      api.get<{ household: HouseholdInput | null }>("/api/household"),
+      .get<{ user: { username: string } }>("/api/auth/me")
-      api.get<{ user: { username: string } }>("/api/auth/me"),
+      .then((data) => setUsername(data.user.username))
-    ])
-      .then(([householdData, meData]) => {
-        setUsername(meData.user.username);
-        setHousehold(householdData.household);
-      })
       .catch(() => {
         // Session abgelaufen/ungueltig -- Middleware leitet beim naechsten Request um.
         window.location.href = "/login";
       });
   }, []);
 
-  if (household === undefined) {
+  if (username === null) {
     return (
       <div className="flex flex-1 items-center justify-center">
-        <p className="text-sm text-zinc-500">Laedt…</p>
+        <p className="text-sm text-muted">Laedt…</p>
       </div>
     );
   }
 
-  if (household === null) {
+  return <AppShell username={username} />;
-    return <Onboarding onDone={setHousehold} />;
-  }
-
-  return <AppShell initialHousehold={household} username={username} />;
 }

src/components/AppShell.tsx

@@ -12,10 +12,10 @@ import {
 } from "lucide-react";
 import { PlanView } from "@/components/PlanView";
 import { Dashboard } from "@/components/Dashboard";
-import { HouseholdSettings } from "@/components/HouseholdSettings";
 import { ProfileMenu } from "@/components/ProfileMenu";
+import { PlanProfileFields, emptyProfileDraft, type ProfileDraft } from "@/components/PlanProfileFields";
 import { api } from "@/lib/api-client";
-import type { HouseholdInput, PlanInput } from "@/lib/types";
+import type { PlanInput } from "@/lib/types";
 import type { PlanComputed } from "@/lib/calculations";
 
 interface PlanListItem {
@@ -26,15 +26,7 @@ interface PlanListItem {
   phases: { id: string; name: string; sequenceNumber: number }[];
 }
 
-export function AppShell({
+export function AppShell({ username }: { username: string }) {
-  initialHousehold,
-  username,
-}: {
-  initialHousehold: HouseholdInput;
-  username: string;
-}) {
-  const [household, setHousehold] = useState(initialHousehold);
-  const [showSettings, setShowSettings] = useState(false);
   const [plans, setPlans] = useState<PlanListItem[]>([]);
   const [selectedPlanId, setSelectedPlanId] = useState<string | null>(null);
   const [detail, setDetail] = useState<{ plan: PlanInput; computed: PlanComputed } | null>(null);
@@ -46,9 +38,7 @@ export function AppShell({
   const loadPlans = useCallback(async (preferId?: string) => {
     const data = await api.get<{ plans: PlanListItem[] }>("/api/plans");
     setPlans(data.plans);
-    if (preferId) {
+    if (preferId) setSelectedPlanId(preferId);
-      setSelectedPlanId(preferId);
-    }
     return data.plans;
   }, []);
 
@@ -84,9 +74,7 @@ export function AppShell({
     if (!confirm("Diesen Plan wirklich loeschen?")) return;
     await api.delete(`/api/plans/${id}`);
     await loadPlans();
-    if (selectedPlanId === id) {
+    if (selectedPlanId === id) setSelectedPlanId(null);
-      setSelectedPlanId(null);
-    }
   }
 
   const activePlan = plans.find((p) => p.id === selectedPlanId) ?? null;
@@ -94,10 +82,10 @@ export function AppShell({
   const sidebar = (
     <div className="flex h-full flex-col">
       <div className="flex items-center gap-2 px-4 py-4">
-        <div className="flex h-8 w-8 items-center justify-center rounded-xl bg-indigo-600 dark:bg-indigo-500">
+        <div className="flex h-8 w-8 items-center justify-center rounded-xl bg-accent">
-          <PiggyBank className="h-5 w-5 text-white" />
+          <PiggyBank className="h-5 w-5 text-accent-fg" />
         </div>
-        <span className="text-sm font-semibold text-zinc-900 dark:text-zinc-50">FPT</span>
+        <span className="text-sm font-semibold text-fg">FPT</span>
       </div>
 
       <nav className="flex flex-1 flex-col gap-1 overflow-y-auto px-3 pb-4">
@@ -108,9 +96,7 @@ export function AppShell({
             setSidebarOpen(false);
           }}
           className={`flex items-center gap-2 rounded-lg px-3 py-2 text-sm font-medium ${
-            selectedPlanId === null
+            selectedPlanId === null ? "bg-accent-soft text-accent-soft-fg" : "text-muted hover:bg-surface-2"
-              ? "bg-indigo-50 text-indigo-700 dark:bg-indigo-500/15 dark:text-indigo-300"
-              : "text-zinc-600 hover:bg-zinc-100 dark:text-zinc-300 dark:hover:bg-zinc-800"
           }`}
         >
           <LayoutDashboard className="h-4 w-4" />
@@ -118,19 +104,17 @@ export function AppShell({
         </button>
 
         <div className="mt-4 flex items-center justify-between px-3">
-          <span className="text-[11px] font-semibold uppercase tracking-wide text-zinc-400">Plaene</span>
+          <span className="text-[11px] font-semibold uppercase tracking-wide text-faint">Plaene</span>
           <button
             type="button"
             onClick={() => setShowNewPlan(true)}
             aria-label="Neuen Plan erstellen"
-            className="rounded-md p-1 text-indigo-600 hover:bg-indigo-50 dark:text-indigo-400 dark:hover:bg-indigo-500/10"
+            className="rounded-md p-1 text-accent hover:bg-accent-soft"
           >
             <Plus className="h-4 w-4" />
           </button>
         </div>
-        {plans.length === 0 && (
+        {plans.length === 0 && <p className="px-3 py-2 text-xs text-faint">Noch keine Plaene.</p>}
-          <p className="px-3 py-2 text-xs text-zinc-400">Noch keine Plaene.</p>
-        )}
         {plans.map((p) => (
           <button
             key={p.id}
@@ -140,14 +124,12 @@ export function AppShell({
               setSidebarOpen(false);
             }}
             className={`flex items-center gap-2 rounded-lg px-3 py-2 text-left text-sm ${
-              selectedPlanId === p.id
+              selectedPlanId === p.id ? "bg-accent-soft font-medium text-accent-soft-fg" : "text-muted hover:bg-surface-2"
-                ? "bg-indigo-50 font-medium text-indigo-700 dark:bg-indigo-500/15 dark:text-indigo-300"
-                : "text-zinc-600 hover:bg-zinc-100 dark:text-zinc-300 dark:hover:bg-zinc-800"
             }`}
           >
             <FolderKanban className="h-4 w-4 shrink-0" />
             <span className="min-w-0 flex-1 truncate">{p.name}</span>
-            <span className="text-[11px] text-zinc-400">{p.phases.length}</span>
+            <span className="text-[11px] text-faint">{p.phases.length}</span>
           </button>
         ))}
       </nav>
@@ -157,20 +139,18 @@ export function AppShell({
   return (
     <div className="flex min-h-screen w-full">
       {/* Sidebar Desktop */}
-      <aside className="hidden w-60 shrink-0 border-r border-zinc-200 bg-white lg:block dark:border-zinc-800 dark:bg-zinc-900">
+      <aside className="hidden w-60 shrink-0 border-r border-border bg-surface lg:block">{sidebar}</aside>
-        {sidebar}
-      </aside>
 
       {/* Sidebar Mobile (Overlay) */}
       {sidebarOpen && (
         <div className="fixed inset-0 z-40 lg:hidden">
           <div className="absolute inset-0 bg-black/40" onClick={() => setSidebarOpen(false)} />
-          <aside className="absolute left-0 top-0 h-full w-64 border-r border-zinc-200 bg-white shadow-xl dark:border-zinc-800 dark:bg-zinc-900">
+          <aside className="absolute left-0 top-0 h-full w-64 border-r border-border bg-surface shadow-xl">
             <button
               type="button"
               onClick={() => setSidebarOpen(false)}
               aria-label="Menue schliessen"
-              className="absolute right-2 top-3 rounded-md p-1.5 text-zinc-400 hover:bg-zinc-100 dark:hover:bg-zinc-800"
+              className="absolute right-2 top-3 rounded-md p-1.5 text-faint hover:bg-surface-2"
             >
               <X className="h-4 w-4" />
             </button>
@@ -181,33 +161,23 @@ export function AppShell({
 
       {/* Hauptbereich */}
       <div className="flex min-w-0 flex-1 flex-col">
-        <header className="flex items-center gap-3 border-b border-zinc-200 bg-white px-4 py-3 dark:border-zinc-800 dark:bg-zinc-900">
+        <header className="flex items-center gap-3 border-b border-border bg-surface px-4 py-3">
           <button
             type="button"
             onClick={() => setSidebarOpen(true)}
             aria-label="Menue oeffnen"
-            className="rounded-lg border border-zinc-200 p-2 text-zinc-600 lg:hidden dark:border-zinc-700 dark:text-zinc-300"
+            className="rounded-lg border border-border p-2 text-muted lg:hidden"
           >
             <Menu className="h-4 w-4" />
           </button>
-          <h1 className="min-w-0 flex-1 truncate text-base font-semibold text-zinc-900 dark:text-zinc-50">
+          <h1 className="min-w-0 flex-1 truncate text-base font-semibold text-fg">
             {activePlan ? activePlan.name : "Uebersicht"}
           </h1>
-          <ProfileMenu username={username} onOpenHouseholdSettings={() => setShowSettings(true)} />
+          <ProfileMenu username={username} />
         </header>
 
         <main className="flex-1 px-4 py-6 lg:px-8">
-          {showSettings && (
+          {loading && <p className="text-sm text-muted">Laedt…</p>}
-            <div className="mb-6">
-              <HouseholdSettings
-                household={household}
-                onUpdated={setHousehold}
-                onClose={() => setShowSettings(false)}
-              />
-            </div>
-          )}
-
-          {loading && <p className="text-sm text-zinc-500">Laedt…</p>}
 
           {!loading && selectedPlanId === null && (
             <DashboardHome
@@ -226,7 +196,7 @@ export function AppShell({
                   <button
                     type="button"
                     onClick={() => setShowScenario(true)}
-                    className="flex items-center gap-1.5 rounded-lg border border-zinc-300 px-3 py-1.5 text-sm font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
+                    className="flex items-center gap-1.5 rounded-lg border border-border px-3 py-1.5 text-sm font-medium text-muted hover:bg-surface-2"
                   >
                     <Plus className="h-4 w-4" />
                     Szenario
@@ -235,23 +205,16 @@ export function AppShell({
                 <button
                   type="button"
                   onClick={() => handleDeletePlan(selectedPlanId)}
-                  className="flex items-center gap-1.5 rounded-lg border border-zinc-300 px-3 py-1.5 text-sm font-medium text-zinc-500 hover:border-red-200 hover:bg-red-50 hover:text-red-600 dark:border-zinc-700 dark:hover:border-red-500/30 dark:hover:bg-red-950"
+                  className="flex items-center gap-1.5 rounded-lg border border-border px-3 py-1.5 text-sm font-medium text-muted hover:border-danger hover:bg-danger-soft hover:text-danger"
                 >
                   <Trash2 className="h-4 w-4" />
                   Plan loeschen
                 </button>
               </div>
 
-              <PlanView
+              <PlanView plan={detail.plan} computed={detail.computed} onChanged={refreshCurrent} />
-                plan={detail.plan}
-                household={household}
-                computed={detail.computed}
-                onChanged={refreshCurrent}
-              />
 
-              {detail.plan.phases.length > 0 && (
+              {detail.plan.phases.length > 0 && <Dashboard plan={detail.plan} computed={detail.computed} allPlans={plans} />}
-                <Dashboard plan={detail.plan} computed={detail.computed} allPlans={plans} />
-              )}
             </div>
           )}
         </main>
@@ -260,10 +223,8 @@ export function AppShell({
       {/* Dialoge */}
       {showNewPlan && (
         <PlanDialog
-          title="Neuen Plan erstellen"
+          onCreate={async (name, profile) => {
-          defaultName="Basisplan"
+            const { plan } = await api.post<{ plan: { id: string } }>("/api/plans", { name, ...profile });
-          onCreate={async (name) => {
-            const { plan } = await api.post<{ plan: { id: string } }>("/api/plans", { name });
             setShowNewPlan(false);
             await loadPlans(plan.id);
           }}
@@ -305,10 +266,8 @@ function DashboardHome({
   return (
     <div className="flex flex-col gap-6">
       <div>
-        <h2 className="text-xl font-semibold text-zinc-900 dark:text-zinc-50">
+        <h2 className="text-xl font-semibold text-fg">Willkommen, {username}</h2>
-          Willkommen, {username}
+        <p className="mt-1 text-sm text-muted">
-        </h2>
-        <p className="mt-1 text-sm text-zinc-500 dark:text-zinc-400">
           Waehlen Sie einen Plan oder erstellen Sie einen neuen, um Ihre finanzielle Zukunft zu planen.
         </p>
       </div>
@@ -317,16 +276,16 @@ function DashboardHome({
         {plans.map((p) => (
           <div
             key={p.id}
-            className="group relative flex cursor-pointer flex-col gap-2 rounded-xl border border-zinc-200/70 bg-white p-4 shadow-sm transition-shadow hover:shadow-md dark:border-zinc-800 dark:bg-zinc-900"
+            className="group relative flex cursor-pointer flex-col gap-2 rounded-xl border border-border bg-surface p-4 shadow-sm transition-shadow hover:shadow-md"
             onClick={() => onSelect(p.id)}
           >
             <div className="flex items-center gap-2">
-              <div className="flex h-9 w-9 items-center justify-center rounded-lg bg-indigo-100 dark:bg-indigo-500/20">
+              <div className="flex h-9 w-9 items-center justify-center rounded-lg bg-accent-soft">
-                <FolderKanban className="h-5 w-5 text-indigo-600 dark:text-indigo-300" />
+                <FolderKanban className="h-5 w-5 text-accent-soft-fg" />
               </div>
               <div className="min-w-0 flex-1">
-                <div className="truncate font-medium text-zinc-900 dark:text-zinc-100">{p.name}</div>
+                <div className="truncate font-medium text-fg">{p.name}</div>
-                <div className="text-xs text-zinc-500">
+                <div className="text-xs text-muted">
                   {p.phases.length} {p.phases.length === 1 ? "Phase" : "Phasen"}
                   {p.parentPlanId ? " · Szenario" : ""}
                 </div>
@@ -338,7 +297,7 @@ function DashboardHome({
                   e.stopPropagation();
                   onDelete(p.id);
                 }}
-                className="rounded-md p-1.5 text-zinc-300 opacity-0 transition-opacity hover:bg-red-50 hover:text-red-600 group-hover:opacity-100 dark:hover:bg-red-950"
+                className="rounded-md p-1.5 text-faint opacity-0 transition-opacity hover:bg-danger-soft hover:text-danger group-hover:opacity-100"
               >
                 <Trash2 className="h-4 w-4" />
               </button>
@@ -349,7 +308,7 @@ function DashboardHome({
         <button
           type="button"
           onClick={onCreate}
-          className="flex min-h-20 items-center justify-center gap-2 rounded-xl border border-dashed border-indigo-300 bg-indigo-50/40 text-sm font-medium text-indigo-700 hover:bg-indigo-50 dark:border-indigo-500/30 dark:bg-indigo-500/5 dark:text-indigo-300 dark:hover:bg-indigo-500/15"
+          className="flex min-h-20 items-center justify-center gap-2 rounded-xl border border-dashed border-accent bg-accent-soft text-sm font-medium text-accent-soft-fg hover:bg-accent-soft"
         >
           <Plus className="h-4 w-4" />
           Neuer Plan
@@ -360,43 +319,50 @@ function DashboardHome({
 }
 
 function PlanDialog({
-  title,
-  defaultName,
   onCreate,
   onClose,
 }: {
-  title: string;
+  onCreate: (name: string, profile: ProfileDraft) => void;
-  defaultName: string;
-  onCreate: (name: string) => void;
   onClose: () => void;
 }) {
-  const [name, setName] = useState(defaultName);
+  const [name, setName] = useState("Basisplan");
+  const [draft, setDraft] = useState<ProfileDraft>(emptyProfileDraft);
+  const [saving, setSaving] = useState(false);
+
   return (
-    <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/40 px-4" onClick={onClose}>
+    <div className="fixed inset-0 z-40 flex items-start justify-center overflow-y-auto bg-black/40 px-4 py-8" onClick={onClose}>
       <div
         onClick={(e) => e.stopPropagation()}
-        className="flex w-full max-w-sm flex-col gap-3 rounded-2xl border border-zinc-200 bg-white p-6 shadow-xl dark:border-zinc-700 dark:bg-zinc-900"
+        className="flex w-full max-w-md flex-col gap-4 rounded-2xl border border-border bg-surface p-6 shadow-xl"
       >
-        <h2 className="text-base font-semibold text-zinc-900 dark:text-zinc-50">{title}</h2>
+        <h2 className="text-base font-semibold text-fg">Neuen Plan erstellen</h2>
+        <div>
+          <label className="mb-1 block text-xs font-medium text-muted">Name des Plans</label>
           <input
             autoFocus
-          className="w-full rounded-lg border border-zinc-300 px-3 py-2 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-600 dark:bg-zinc-950"
+            className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
             value={name}
             onChange={(e) => setName(e.target.value)}
             placeholder="Name des Plans"
           />
+        </div>
+        <PlanProfileFields draft={draft} onChange={setDraft} />
         <div className="flex gap-2">
           <button
             type="button"
-            onClick={() => onCreate(name)}
+            disabled={saving}
-            className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 dark:bg-indigo-500 dark:hover:bg-indigo-400"
+            onClick={() => {
+              setSaving(true);
+              onCreate(name.trim() || "Plan", draft);
+            }}
+            className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover disabled:opacity-50"
           >
-            Erstellen
+            {saving ? "..." : "Erstellen"}
           </button>
           <button
             type="button"
             onClick={onClose}
-            className="rounded-lg border border-zinc-300 px-4 py-2 text-sm font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
+            className="rounded-lg border border-border px-4 py-2 text-sm font-medium text-muted hover:bg-surface-2"
           >
             Abbrechen
           </button>
@@ -421,19 +387,19 @@ function ScenarioDialog({
     <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/40 px-4" onClick={onClose}>
       <div
         onClick={(e) => e.stopPropagation()}
-        className="flex w-full max-w-sm flex-col gap-3 rounded-2xl border border-zinc-200 bg-white p-6 shadow-xl dark:border-zinc-700 dark:bg-zinc-900"
+        className="flex w-full max-w-sm flex-col gap-3 rounded-2xl border border-border bg-surface p-6 shadow-xl"
       >
-        <h2 className="text-base font-semibold text-zinc-900 dark:text-zinc-50">Szenario erstellen</h2>
+        <h2 className="text-base font-semibold text-fg">Szenario erstellen</h2>
         <input
           autoFocus
-          className="w-full rounded-lg border border-zinc-300 px-3 py-2 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-600 dark:bg-zinc-950"
+          className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
           value={name}
           onChange={(e) => setName(e.target.value)}
           placeholder="Name des Szenarios"
         />
-        <label className="text-xs text-zinc-500">Verzweigen ab Phase</label>
+        <label className="text-xs text-muted">Verzweigen ab Phase</label>
         <select
-          className="w-full rounded-lg border border-zinc-300 px-3 py-2 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-600 dark:bg-zinc-950"
+          className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
           value={branchFromPhaseId}
           onChange={(e) => setBranchFromPhaseId(e.target.value)}
         >
@@ -447,14 +413,14 @@ function ScenarioDialog({
           <button
             type="button"
             onClick={() => onCreate(name, branchFromPhaseId)}
-            className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 dark:bg-indigo-500 dark:hover:bg-indigo-400"
+            className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover"
           >
             Erstellen
           </button>
           <button
             type="button"
             onClick={onClose}
-            className="rounded-lg border border-zinc-300 px-4 py-2 text-sm font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
+            className="rounded-lg border border-border px-4 py-2 text-sm font-medium text-muted hover:bg-surface-2"
           >
             Abbrechen
           </button>

src/components/Dashboard.tsx

@@ -86,15 +86,15 @@ export function Dashboard({
         <StatCard label="Geschaetzter Nachlass" value={computed.nachlass} help="Endvermoegen der letzten Phase - potenziell vererbbar." />
       </div>
 
-      <section className="rounded-xl border border-zinc-200/70 bg-white p-4 shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
+      <section className="rounded-xl border border-border bg-surface p-4 shadow-sm">
         <div className="mb-3 flex flex-wrap items-center justify-between gap-2">
-          <h3 className="flex items-center gap-1.5 text-sm font-semibold text-zinc-800 dark:text-zinc-100">
+          <h3 className="flex items-center gap-1.5 text-sm font-semibold text-fg">
-            <LineChartIcon className="h-4 w-4 text-indigo-500 dark:text-indigo-400" />
+            <LineChartIcon className="h-4 w-4 text-accent" />
             Vermoegensverlauf
           </h3>
           <a
             href={`/api/plans/${plan.id}/export`}
-            className="flex items-center gap-1.5 rounded-lg border border-zinc-300 px-3 py-1.5 text-xs font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
+            className="flex items-center gap-1.5 rounded-lg border border-border px-3 py-1.5 text-xs font-medium text-muted hover:bg-surface-2"
           >
             <Download className="h-3.5 w-3.5" />
             CSV-Export
@@ -102,9 +102,9 @@ export function Dashboard({
         </div>
         {otherPlans.length > 0 && (
           <div className="mb-3 flex flex-wrap gap-2">
-            <span className="text-xs text-zinc-500">Vergleichen mit:</span>
+            <span className="text-xs text-muted">Vergleichen mit:</span>
             {otherPlans.map((p) => (
-              <label key={p.id} className="flex items-center gap-1 text-xs text-zinc-600 dark:text-zinc-300">
+              <label key={p.id} className="flex items-center gap-1 text-xs text-muted">
                 <input
                   type="checkbox"
                   checked={compareIds.includes(p.id)}
@@ -118,15 +118,15 @@ export function Dashboard({
         <WealthChart series={series} />
       </section>
 
-      <section className="rounded-xl border border-zinc-200/70 bg-white p-4 shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
+      <section className="rounded-xl border border-border bg-surface p-4 shadow-sm">
-        <h3 className="mb-3 flex items-center gap-1.5 text-sm font-semibold text-zinc-800 dark:text-zinc-100">
+        <h3 className="mb-3 flex items-center gap-1.5 text-sm font-semibold text-fg">
-          <BarChart3 className="h-4 w-4 text-indigo-500 dark:text-indigo-400" />
+          <BarChart3 className="h-4 w-4 text-accent" />
           Vermoegensaufteilung pro Phase (Endvermoegen)
         </h3>
         <div className="h-72 w-full">
           <ResponsiveContainer width="100%" height="100%">
             <BarChart data={barData} margin={{ top: 8, right: 16, left: 8, bottom: 8 }}>
-              <CartesianGrid strokeDasharray="3 3" className="stroke-zinc-200 dark:stroke-zinc-700" />
+              <CartesianGrid strokeDasharray="3 3" className="stroke-border" />
               <XAxis dataKey="phase" tick={{ fontSize: 11 }} />
               <YAxis
                 tick={{ fontSize: 11 }}
@@ -147,11 +147,11 @@ export function Dashboard({
 
 function StatCard({ label, value, help }: { label: string; value: number; help?: string }) {
   return (
-    <div className="rounded-xl border border-zinc-200/70 bg-white p-4 shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
+    <div className="rounded-xl border border-border bg-surface p-4 shadow-sm">
-      <div className="text-xs text-zinc-500 dark:text-zinc-400" title={help}>
+      <div className="text-xs text-muted" title={help}>
         {label}
       </div>
-      <div className="mt-1 text-xl font-semibold text-indigo-600 dark:text-indigo-400">
+      <div className="mt-1 text-xl font-semibold text-accent">
         {formatChf(value)} CHF
       </div>
     </div>

src/components/ElementDetail.tsx

@@ -2,7 +2,8 @@
 
 import { useState } from "react";
 import { Trash2 } from "lucide-react";
-import { MoneyField, NumberField, SelectField } from "@/components/FormField";
+import { FieldLabel, MoneyField, NumberField, SelectField } from "@/components/FormField";
+import { formatChf } from "@/lib/format";
 import { api } from "@/lib/api-client";
 import { CATEGORY_LABELS, num } from "@/lib/elements";
 import { PILLAR_3A_MAX_ANNUAL } from "@/lib/constants";
@@ -16,6 +17,10 @@ export interface CellContext {
   durationYears: number;
   isRetirementTransition: boolean;
   carriedEndValue: number; // Endwert des Elements in der (Vor-)Phase, fuer Bezugs-Maxima
+  carried: boolean; // Phase >= 2: Startwert wird aus der Vorphase fortgeschrieben
+  derivedStart: number; // fortgeschriebener Basis-Startwert (read-only Anzeige)
+  quotaRateMax: number; // Max fuer eine Sparrate/Verzehrrate dieses Elements
+  capitalMax?: number; // Max fuer Startkapital/Neuinvestition (undefined = kein Cap)
 }
 
 interface Props {
@@ -27,89 +32,41 @@ interface Props {
   onDeleteElement: () => void;
 }
 
-export function ElementDetail({ element, context, phaseData, transitionData, onSaved, onDeleteElement }: Props) {
+// Read-only Anzeige eines abgeleiteten (fortgeschriebenen) Wertes.
-  const [pd, setPd] = useState<PhaseData>({ ...phaseData });
+function DerivedField({ label, value, help }: { label: string; value: number; help?: string }) {
-  const [td, setTd] = useState<TransitionData>({ ...transitionData });
-  const [saving, setSaving] = useState(false);
-  const [error, setError] = useState<string | null>(null);
-
-  const isTransition = context.kind === "transition";
-
-  async function save() {
-    setSaving(true);
-    setError(null);
-    try {
-      if (isTransition) {
-        await api.put(`/api/elements/${element.id}/transition/${context.phaseId}`, td);
-      } else {
-        await api.put(`/api/elements/${element.id}/phase/${context.phaseId}`, pd);
-      }
-      onSaved();
-    } catch (e) {
-      setError(e instanceof Error ? e.message : "Speichern fehlgeschlagen.");
-    } finally {
-      setSaving(false);
-    }
-  }
-
   return (
-    <div className="flex flex-col gap-4">
-      <div className="flex items-start justify-between gap-2">
     <div>
-          <div className="text-xs font-semibold uppercase tracking-wide text-indigo-600 dark:text-indigo-400">
+      <FieldLabel label={label} help={help} />
-            {CATEGORY_LABELS[element.category]}
+      <div className="w-full rounded-lg border border-dashed border-border bg-surface-2 px-2.5 py-1.5 text-sm text-muted">
-            {isTransition ? " · Uebergang" : ""}
+        {formatChf(value)}
-          </div>
-          <div className="text-base font-semibold text-zinc-900 dark:text-zinc-100">{element.name}</div>
-        </div>
-        <button
-          type="button"
-          onClick={onDeleteElement}
-          className="flex items-center gap-1 rounded-lg border border-zinc-300 px-2 py-1 text-xs text-zinc-500 hover:border-red-200 hover:bg-red-50 hover:text-red-600 dark:border-zinc-700 dark:hover:bg-red-950"
-        >
-          <Trash2 className="h-3.5 w-3.5" /> Element loeschen
-        </button>
-      </div>
-
-      <div className="grid grid-cols-1 gap-3 sm:grid-cols-2">
-        {isTransition ? renderTransitionFields() : renderPhaseFields()}
-      </div>
-
-      {error && <p className="text-sm text-red-600 dark:text-red-400">{error}</p>}
-      <div>
-        <button
-          type="button"
-          disabled={saving}
-          onClick={save}
-          className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 disabled:opacity-50 dark:bg-indigo-500 dark:hover:bg-indigo-400"
-        >
-          {saving ? "Speichern..." : "Speichern"}
-        </button>
       </div>
     </div>
   );
-
-  function setP(patch: Partial<PhaseData>) {
-    setPd((prev) => ({ ...prev, ...patch }));
-  }
-  function setT(patch: Partial<TransitionData>) {
-    setTd((prev) => ({ ...prev, ...patch }));
 }
 
-  function renderPhaseFields() {
+// --- Wiederverwendbare Feldgruppen (Detail-Panel, Erstell-Popup, Uebergangs-Review) ---
+
+export function ElementPhaseFields({
+  element,
+  context,
+  pd,
+  setP,
+}: {
+  element: { category: ElementCategory };
+  context: CellContext;
+  pd: PhaseData;
+  setP: (patch: Partial<PhaseData>) => void;
+}) {
+  const carried = context.carried;
   switch (element.category) {
     case "INCOME":
-        return (
+      return <MoneyField label="Jahreseinkommen (CHF)" value={num(pd.amount)} onChange={(v) => setP({ amount: v })} />;
-          <MoneyField label="Jahreseinkommen (CHF)" value={num(pd.amount)} onChange={(v) => setP({ amount: v })} />
-        );
     case "EXPENSE":
-        return (
+      return <MoneyField label="Jahresausgaben (CHF)" value={num(pd.amount)} onChange={(v) => setP({ amount: v })} />;
-          <MoneyField label="Jahresausgaben (CHF)" value={num(pd.amount)} onChange={(v) => setP({ amount: v })} />
-        );
     case "AHV":
       if (!context.ownerWorking) {
         return (
-            <p className="col-span-2 text-sm text-zinc-500 dark:text-zinc-400">
+          <p className="col-span-2 text-sm text-muted">
             Die AHV-Rente wird automatisch aus den bisherigen Ausfalljahren berechnet (siehe Kennzahl in der
             Matrix). Bei Ehepaaren greift die Plafonierung auf 150% der Maximalrente.
           </p>
@@ -128,7 +85,7 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
     case "PENSION_FUND":
       if (!context.ownerWorking) {
         return (
-            <p className="col-span-2 text-sm text-zinc-500 dark:text-zinc-400">
+          <p className="col-span-2 text-sm text-muted">
             Die PK-Rente wird aus dem beim Pensions-Uebergang gewaehlten Umwandlungssatz berechnet (siehe
             Kennzahl). Bei reinem Kapitalbezug erscheint hier &quot;Vollstaendig bezogen&quot;.
           </p>
@@ -136,7 +93,20 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
       }
       return (
         <>
-            <MoneyField label="Aktueller PK-Wert (CHF)" value={num(pd.currentValue)} onChange={(v) => setP({ currentValue: v })} />
+          {carried ? (
+            <>
+              <DerivedField label="Startwert (fortgeschrieben)" value={context.derivedStart} help="Endwert der Vorphase, fortgeschrieben." />
+              <MoneyField
+                label="Zusatzeinlage aus Kapital (CHF)"
+                help="Aufstockung aus dem verfuegbaren Kapital dieser Phase."
+                value={num(pd.additionalInvestment)}
+                max={context.capitalMax}
+                onChange={(v) => setP({ additionalInvestment: v })}
+              />
+            </>
+          ) : (
+            <MoneyField label="Aktueller PK-Wert (CHF)" value={num(pd.currentValue)} max={context.capitalMax} onChange={(v) => setP({ currentValue: v })} />
+          )}
           <MoneyField
             label="Jaehrliche Einzahlung (CHF)"
             help="Arbeitnehmer- und Arbeitgeberbeitraege. Fliesst NICHT in die Sparquote ein (bereits in den Ausgaben beruecksichtigt)."
@@ -148,36 +118,58 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
       );
     case "PILLAR_3A":
       if (!context.ownerWorking) {
-          return (
+        return <p className="col-span-2 text-sm text-muted">Die Saeule 3a wird beim Pensions-Uebergang vollstaendig bezogen.</p>;
-            <p className="col-span-2 text-sm text-zinc-500 dark:text-zinc-400">
-              Die Saeule 3a wird beim Pensions-Uebergang vollstaendig bezogen.
-            </p>
-          );
       }
       return (
         <>
-            <MoneyField label="Aktueller 3a-Wert (CHF)" value={num(pd.currentValue)} onChange={(v) => setP({ currentValue: v })} />
+          {carried ? (
-            <NumberField
+            <>
+              <DerivedField label="Startwert (fortgeschrieben)" value={context.derivedStart} help="Endwert der Vorphase, fortgeschrieben." />
+              <MoneyField
+                label="Zusatzeinlage aus Kapital (CHF)"
+                help="Aufstockung aus dem verfuegbaren Kapital dieser Phase."
+                value={num(pd.additionalInvestment)}
+                max={context.capitalMax}
+                onChange={(v) => setP({ additionalInvestment: v })}
+              />
+            </>
+          ) : (
+            <MoneyField label="Aktueller 3a-Wert (CHF)" value={num(pd.currentValue)} max={context.capitalMax} onChange={(v) => setP({ currentValue: v })} />
+          )}
+          <MoneyField
             label="Jaehrliche Einzahlung (CHF)"
-              help={`Maximal CHF ${PILLAR_3A_MAX_ANNUAL.toLocaleString("de-CH")} (2026, mit PK). Wird von der Sparquote abgezogen. Schritte von 100.`}
+            help={`Maximal CHF ${PILLAR_3A_MAX_ANNUAL.toLocaleString("de-CH")} (2026, mit PK) und hoechstens die Sparquote. Wird von der Sparquote abgezogen.`}
-              step={100}
-              min={0}
-              max={PILLAR_3A_MAX_ANNUAL}
             value={num(pd.annualContribution)}
-              onChange={(v) => setP({ annualContribution: Math.max(0, Math.min(PILLAR_3A_MAX_ANNUAL, Math.round(v / 100) * 100)) })}
+            max={Math.min(PILLAR_3A_MAX_ANNUAL, context.quotaRateMax)}
+            onChange={(v) => setP({ annualContribution: v })}
           />
           <NumberField label="Erwartete Rendite (%/Jahr)" step={0.1} value={num(pd.expectedReturn)} onChange={(v) => setP({ expectedReturn: v })} />
         </>
       );
     case "REAL_ESTATE":
+      if (carried) {
         return (
           <>
-            <MoneyField label="Kaufpreis (CHF)" value={num(pd.purchasePrice)} onChange={(v) => setP({ purchasePrice: v })} />
+            <DerivedField label="Startwert Netto (fortgeschrieben)" value={context.derivedStart} help="Kaufpreis minus fortgeschriebene Resthypothek." />
+            <MoneyField
+              label="Amortisation (CHF/Jahr)"
+              help="Jaehrliche Reduktion der Hypothek. Zaehlt gegen die Sparquote."
+              value={num(pd.amortization)}
+              max={context.quotaRateMax}
+              onChange={(v) => setP({ amortization: v })}
+            />
+          </>
+        );
+      }
+      return (
+        <>
+          <MoneyField label="Kaufpreis (CHF)" value={num(pd.purchasePrice)} max={context.capitalMax != null ? context.capitalMax + num(pd.mortgage) : undefined} onChange={(v) => setP({ purchasePrice: v })} />
           <MoneyField label="Hypothek (CHF)" value={num(pd.mortgage)} onChange={(v) => setP({ mortgage: v })} />
           <MoneyField
             label="Amortisation (CHF/Jahr)"
-              help="Jaehrliche Reduktion der Hypothek."
+            help="Jaehrliche Reduktion der Hypothek. Zaehlt gegen die Sparquote."
             value={num(pd.amortization)}
+            max={context.quotaRateMax}
             onChange={(v) => setP({ amortization: v })}
           />
         </>
@@ -185,16 +177,30 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
     case "OTHER_ASSET":
       return (
         <>
-            <MoneyField label="Startwert (CHF)" value={num(pd.startValue)} onChange={(v) => setP({ startValue: v })} />
+          {carried ? (
+            <>
+              <DerivedField label="Startwert (fortgeschrieben)" value={context.derivedStart} help="Endwert der Vorphase, fortgeschrieben." />
+              <MoneyField
+                label="Zusatzinvestition aus Kapital (CHF)"
+                help="Neuinvestition aus dem verfuegbaren Kapital dieser Phase."
+                value={num(pd.additionalInvestment)}
+                max={context.capitalMax}
+                onChange={(v) => setP({ additionalInvestment: v })}
+              />
+            </>
+          ) : (
+            <MoneyField label="Startwert (CHF)" value={num(pd.startValue)} max={context.capitalMax} onChange={(v) => setP({ startValue: v })} />
+          )}
           <NumberField label="Erwartete Rendite (%/Jahr)" step={0.1} value={num(pd.expectedReturn)} onChange={(v) => setP({ expectedReturn: v })} />
           <MoneyField
             label={context.isConsumption ? "Jaehrliche Bezugsrate (CHF)" : "Jaehrlicher Sparbeitrag (CHF)"}
             help={
               context.isConsumption
-                  ? "In dieser Verzehrphase wird dieser Betrag jaehrlich entnommen und deckt die Verzehrquote."
+                ? "In dieser Verzehrphase deckt dieser Betrag die Verzehrquote (max. die Verzehrquote)."
-                  : "Wird von der Sparquote abgezogen."
+                : "Wird von der Sparquote abgezogen (max. die Sparquote)."
             }
             value={num(pd.annualContribution)}
+            max={context.quotaRateMax}
             onChange={(v) => setP({ annualContribution: v })}
           />
         </>
@@ -202,20 +208,40 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
     case "OTHER_DEBT":
       return (
         <>
+          {carried ? (
+            <DerivedField label="Restschuld (fortgeschrieben)" value={Math.abs(context.derivedStart)} help="Fortgeschriebene Restschuld aus der Vorphase." />
+          ) : (
             <MoneyField label="Restschuld (CHF)" value={num(pd.startValue)} onChange={(v) => setP({ startValue: v })} />
-            <MoneyField label="Jaehrliche Tilgung (CHF)" value={num(pd.annualRepayment)} onChange={(v) => setP({ annualRepayment: v })} />
+          )}
+          <MoneyField
+            label="Jaehrliche Tilgung (CHF)"
+            help="Zaehlt gegen die Sparquote (max. die Sparquote)."
+            value={num(pd.annualRepayment)}
+            max={context.quotaRateMax}
+            onChange={(v) => setP({ annualRepayment: v })}
+          />
         </>
       );
   }
 }
 
-  function renderTransitionFields() {
+export function ElementTransitionFields({
+  element,
+  context,
+  td,
+  setT,
+}: {
+  element: { category: ElementCategory };
+  context: CellContext;
+  td: TransitionData;
+  setT: (patch: Partial<TransitionData>) => void;
+}) {
   switch (element.category) {
     case "INCOME":
     case "EXPENSE":
     case "AHV":
       return (
-          <p className="col-span-2 text-sm text-zinc-500 dark:text-zinc-400">
+        <p className="col-span-2 text-sm text-muted">
           Fuer diese Kategorie gibt es im Uebergang keine Eingaben. Die Werte werden 1:1 in die naechste
           Lebensphase uebernommen und koennen dort angepasst werden.
         </p>
@@ -245,17 +271,12 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
               />
             )}
             {(mode === "CAPITAL" || mode === "COMBI") && (
-                <NumberField
+              <NumberField label="Kapitalbezugssteuer (%)" step={0.5} value={num(td.capitalTaxRate, 8)} onChange={(v) => setT({ capitalTaxRate: v })} />
-                  label="Kapitalbezugssteuer (%)"
-                  step={0.5}
-                  value={num(td.capitalTaxRate, 8)}
-                  onChange={(v) => setT({ capitalTaxRate: v })}
-                />
             )}
             {mode === "COMBI" && (
               <MoneyField
                 label="Davon Kapitalbezug (CHF)"
-                  help={`Der Rest wird verrentet. Maximal ${context.carriedEndValue.toLocaleString("de-CH")}.`}
+                help={`Der Rest wird verrentet. Maximal ${formatChf(context.carriedEndValue)}.`}
                 value={num(td.capitalAmount)}
                 max={context.carriedEndValue}
                 onChange={(v) => setT({ capitalAmount: v })}
@@ -267,7 +288,7 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
       return (
         <MoneyField
           label="PK-Bezug (CHF)"
-            help={`Optionaler Bezug. Maximal ${context.carriedEndValue.toLocaleString("de-CH")} (Endwert der Vorphase).`}
+          help={`Optionaler Bezug. Maximal ${formatChf(context.carriedEndValue)} (Endwert der Vorphase).`}
           value={num(td.withdrawal)}
           max={context.carriedEndValue}
           onChange={(v) => setT({ withdrawal: v })}
@@ -288,7 +309,7 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
       return (
         <MoneyField
           label="3a-Bezug (CHF)"
-            help={`Maximal ${context.carriedEndValue.toLocaleString("de-CH")} (Endwert der Vorphase).`}
+          help={`Maximal ${formatChf(context.carriedEndValue)} (Endwert der Vorphase).`}
           value={num(td.withdrawal)}
           max={context.carriedEndValue}
           onChange={(v) => setT({ withdrawal: v })}
@@ -310,12 +331,7 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
           {decision === "SELL" && (
             <>
               <MoneyField label="Verkaufspreis (CHF)" value={num(td.salePrice)} onChange={(v) => setT({ salePrice: v })} />
-                <NumberField
+              <NumberField label="Grundstueckgewinnsteuer (%)" step={1} value={num(td.saleTaxRate, 20)} onChange={(v) => setT({ saleTaxRate: v })} />
-                  label="Grundstueckgewinnsteuer (%)"
-                  step={1}
-                  value={num(td.saleTaxRate, 20)}
-                  onChange={(v) => setT({ saleTaxRate: v })}
-                />
             </>
           )}
         </>
@@ -346,4 +362,77 @@ export function ElementDetail({ element, context, phaseData, transitionData, onS
       );
   }
 }
+
+export function ElementDetail({ element, context, phaseData, transitionData, onSaved, onDeleteElement }: Props) {
+  const [pd, setPd] = useState<PhaseData>({ ...phaseData });
+  const [td, setTd] = useState<TransitionData>({ ...transitionData });
+  const [saving, setSaving] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  const isTransition = context.kind === "transition";
+
+  async function save() {
+    setSaving(true);
+    setError(null);
+    try {
+      if (isTransition) {
+        await api.put(`/api/elements/${element.id}/transition/${context.phaseId}`, td);
+      } else {
+        await api.put(`/api/elements/${element.id}/phase/${context.phaseId}`, pd);
+      }
+      onSaved();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Speichern fehlgeschlagen.");
+    } finally {
+      setSaving(false);
+    }
+  }
+
+  function setP(patch: Partial<PhaseData>) {
+    setPd((prev) => ({ ...prev, ...patch }));
+  }
+  function setT(patch: Partial<TransitionData>) {
+    setTd((prev) => ({ ...prev, ...patch }));
+  }
+
+  return (
+    <div className="flex flex-col gap-4">
+      <div className="flex items-start justify-between gap-2">
+        <div>
+          <div className="text-xs font-semibold uppercase tracking-wide text-accent-soft-fg">
+            {CATEGORY_LABELS[element.category]}
+            {isTransition ? " · Uebergang" : ""}
+          </div>
+          <div className="text-base font-semibold text-fg">{element.name}</div>
+        </div>
+        <button
+          type="button"
+          onClick={onDeleteElement}
+          className="flex items-center gap-1 rounded-lg border border-border px-2 py-1 text-xs text-muted hover:border-danger hover:bg-danger-soft hover:text-danger"
+        >
+          <Trash2 className="h-3.5 w-3.5" /> Element loeschen
+        </button>
+      </div>
+
+      <div className="grid grid-cols-1 gap-3 sm:grid-cols-2">
+        {isTransition ? (
+          <ElementTransitionFields element={element} context={context} td={td} setT={setT} />
+        ) : (
+          <ElementPhaseFields element={element} context={context} pd={pd} setP={setP} />
+        )}
+      </div>
+
+      {error && <p className="text-sm text-danger">{error}</p>}
+      <div>
+        <button
+          type="button"
+          disabled={saving}
+          onClick={save}
+          className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover disabled:opacity-50"
+        >
+          {saving ? "Speichern..." : "Speichern"}
+        </button>
+      </div>
+    </div>
+  );
 }

src/components/FormField.tsx

@@ -3,14 +3,14 @@
 import { useEffect, useRef, useState } from "react";
 import { ChevronDown, ChevronUp } from "lucide-react";
 import { InfoBubble } from "@/components/InfoBubble";
-import { floorToThousand, formatChf, parseChfInput } from "@/lib/format";
+import { formatChf, parseChfInput } from "@/lib/format";
 
 const baseInputClass =
-  "w-full rounded-lg border border-zinc-300 bg-white px-2.5 py-1.5 text-sm text-zinc-900 shadow-sm transition-colors focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-700 dark:bg-zinc-800 dark:text-zinc-100";
+  "w-full rounded-lg border border-border bg-input px-2.5 py-1.5 text-sm text-fg shadow-sm transition-colors focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25";
 
 export function FieldLabel({ label, help }: { label: string; help?: string }) {
   return (
-    <label className="mb-1 flex items-center text-xs font-medium text-zinc-600 dark:text-zinc-400">
+    <label className="mb-1 flex items-center text-xs font-medium text-muted">
       {label}
       {help && <InfoBubble text={help} />}
     </label>
@@ -44,32 +44,34 @@ export function NumberField({
         step={step ?? "any"}
         min={min}
         max={max}
-        onFocus={(e) => e.target.select()}
+        onFocus={(e) => e.currentTarget.select()}
         onChange={(e) => onChange(e.target.valueAsNumber || 0)}
       />
     </div>
   );
 }
 
-// Roher Betrags-Input ohne Label (fuer kompakte Tabellenzellen o.ae.). Zeigt den Wert
+// Ganzzahliges Betragsfeld. Zeigt den Wert unfokussiert mit 1'000er-Trennzeichen an,
-// formatiert mit 1'000er-Trennzeichen an, solange das Feld nicht fokussiert ist, rundet
+// akzeptiert fokussiert beliebige ganze Zahlen (keine Nachkommastellen) und bietet
-// beim Verlassen des Feldes auf ein Vielfaches von 1'000 ABwaerts (siehe lib/format.ts)
+// Pfeil-Buttons mit Klick-und-Halten-BESCHLEUNIGUNG (1 -> 10 -> 100 -> 1'000 -> ...).
-// und bietet Pfeil-Buttons zum Erhoehen/Verringern in 1'000er-Schritten.
+// Optionales `max` (und `min`) klammern die Eingabe hart (Live-Cap).
-// Optionales `max` kappt Eingaben live auf das verfuegbare Budget (z. B. Sparquote).
 export function MoneyInput({
   value,
   onChange,
   className,
+  min = 0,
   max,
 }: {
   value: number;
   onChange: (value: number) => void;
   className?: string;
+  min?: number;
   max?: number;
 }) {
   const [focused, setFocused] = useState(false);
-  const [text, setText] = useState(() => String(Math.floor(value || 0)));
+  const [text, setText] = useState(() => String(Math.round(value || 0)));
   const valueRef = useRef(value);
+  const inputRef = useRef<HTMLInputElement | null>(null);
   useEffect(() => {
     valueRef.current = value;
   }, [value]);
@@ -77,13 +79,14 @@ export function MoneyInput({
   const holdInterval = useRef<ReturnType<typeof setInterval> | null>(null);
 
   function clamp(v: number): number {
-    let result = Math.max(0, v);
+    let result = Math.round(v);
-    if (max != null) result = Math.min(result, Math.max(0, floorToThousand(max)));
+    if (min != null) result = Math.max(min, result);
+    if (max != null) result = Math.min(result, Math.round(max));
     return result;
   }
 
-  function step(delta: number) {
+  function stepBy(delta: number) {
-    onChange(clamp(floorToThousand(valueRef.current) + delta));
+    onChange(clamp(Math.round(valueRef.current) + delta));
   }
 
   function stopHold() {
@@ -97,72 +100,91 @@ export function MoneyInput({
     }
   }
 
-  // Klick-und-Halten: sofortiger erster Schritt, nach kurzer Verzoegerung
+  // Klick = 1 Schritt. Halten: nach 400 ms Wiederholung im 70-ms-Takt, wobei die
-  // fortlaufende Wiederholung, bis losgelassen wird.
+  // Schrittweite mit der Haltedauer waechst (immer schneller).
-  function startHold(delta: number) {
+  function startHold(sign: number) {
-    step(delta);
+    stepBy(sign);
+    const start = Date.now();
     holdTimeout.current = setTimeout(() => {
-      holdInterval.current = setInterval(() => step(delta), 100);
+      holdInterval.current = setInterval(() => {
+        const s = (Date.now() - start) / 1000;
+        const mag = s < 1.5 ? 1 : s < 3 ? 10 : s < 4.5 ? 100 : s < 6 ? 1000 : 10000;
+        stepBy(sign * mag);
+      }, 70);
     }, 400);
   }
 
   useEffect(() => stopHold, []);
 
+  const arrowBtn =
+    "flex flex-1 items-center justify-center text-faint hover:bg-accent-soft hover:text-accent-soft-fg";
+
   return (
     <div className={`relative ${className ?? "w-full"}`}>
       <input
+        ref={inputRef}
         type="text"
         inputMode="numeric"
         className={`${baseInputClass} w-full pr-6`}
         value={focused ? text : formatChf(value)}
         onFocus={() => {
           setFocused(true);
-          // Default-0 sofort leeren, damit man direkt lostippen kann.
+          const current = Math.round(value || 0);
-          const current = Math.floor(value || 0);
+          // Default-0 sofort leeren; sonst Wert markieren, damit man ihn ueberschreiben kann.
           setText(current === 0 ? "" : String(current));
+          requestAnimationFrame(() => inputRef.current?.select());
+        }}
+        onChange={(e) => setText(e.target.value.replace(min < 0 ? /[^0-9-]/g : /[^0-9]/g, ""))}
+        onKeyDown={(e) => {
+          if (e.key === "ArrowUp") {
+            e.preventDefault();
+            stepBy(e.shiftKey ? 100 : 1);
+          } else if (e.key === "ArrowDown") {
+            e.preventDefault();
+            stepBy(e.shiftKey ? -100 : -1);
+          }
         }}
-        onChange={(e) => setText(e.target.value.replace(/[^0-9-]/g, ""))}
         onBlur={() => {
           setFocused(false);
-          onChange(clamp(floorToThousand(parseChfInput(text))));
+          onChange(clamp(parseChfInput(text)));
         }}
       />
-      <div className="absolute inset-y-0 right-0 flex w-6 flex-col overflow-hidden rounded-r-lg border-l border-zinc-300 dark:border-zinc-700">
+      <div className="absolute inset-y-0 right-0 flex w-6 flex-col overflow-hidden rounded-r-lg border-l border-border">
         <button
           type="button"
           tabIndex={-1}
-          aria-label="Um 1'000 erhoehen"
+          aria-label="Erhoehen"
           onMouseDown={(e) => {
             e.preventDefault();
-            startHold(1000);
+            startHold(1);
           }}
           onMouseUp={stopHold}
           onMouseLeave={stopHold}
           onTouchStart={(e) => {
             e.preventDefault();
-            startHold(1000);
+            startHold(1);
           }}
           onTouchEnd={stopHold}
-          className="flex flex-1 items-center justify-center text-zinc-500 hover:bg-indigo-50 hover:text-indigo-600 dark:text-zinc-400 dark:hover:bg-zinc-700 dark:hover:text-indigo-400"
+          className={arrowBtn}
         >
           <ChevronUp className="h-3 w-3" />
         </button>
         <button
           type="button"
           tabIndex={-1}
-          aria-label="Um 1'000 verringern"
+          aria-label="Verringern"
           onMouseDown={(e) => {
             e.preventDefault();
-            startHold(-1000);
+            startHold(-1);
           }}
           onMouseUp={stopHold}
           onMouseLeave={stopHold}
           onTouchStart={(e) => {
             e.preventDefault();
-            startHold(-1000);
+            startHold(-1);
           }}
           onTouchEnd={stopHold}
-          className="flex flex-1 items-center justify-center border-t border-zinc-300 text-zinc-500 hover:bg-indigo-50 hover:text-indigo-600 dark:border-zinc-700 dark:text-zinc-400 dark:hover:bg-zinc-700 dark:hover:text-indigo-400"
+          className={`${arrowBtn} border-t border-border`}
         >
           <ChevronDown className="h-3 w-3" />
         </button>
@@ -176,18 +198,20 @@ export function MoneyField({
   help,
   value,
   onChange,
+  min,
   max,
 }: {
   label: string;
   help?: string;
   value: number;
   onChange: (value: number) => void;
+  min?: number;
   max?: number;
 }) {
   return (
     <div>
       <FieldLabel label={label} help={help} />
-      <MoneyInput value={value} onChange={onChange} max={max} />
+      <MoneyInput value={value} onChange={onChange} min={min} max={max} />
     </div>
   );
 }

src/components/HouseholdSettings.tsx

@@ -1,105 +0,0 @@
-"use client";
-
-import { useState } from "react";
-import { NumberField, SelectField } from "@/components/FormField";
-import { api } from "@/lib/api-client";
-import type { HouseholdInput, HouseholdType } from "@/lib/types";
-
-export function HouseholdSettings({
-  household,
-  onUpdated,
-  onClose,
-}: {
-  household: HouseholdInput;
-  onUpdated: (household: HouseholdInput) => void;
-  onClose: () => void;
-}) {
-  const [householdType, setHouseholdType] = useState<HouseholdType>(household.householdType);
-  const [inflationRateDefault, setInflationRateDefault] = useState(household.inflationRateDefault);
-  const [persons, setPersons] = useState(
-    household.persons.map((p) => ({ role: p.role, age: p.age, retirementAge: p.retirementAge }))
-  );
-  const [saving, setSaving] = useState(false);
-  const [error, setError] = useState<string | null>(null);
-
-  function handleTypeChange(type: HouseholdType) {
-    setHouseholdType(type);
-    if (type === "SINGLE") {
-      setPersons((p) => p.slice(0, 1));
-    } else if (persons.length < 2) {
-      setPersons((p) => [...p, { role: "PERSON_B" as const, age: 35, retirementAge: 65 }]);
-    }
-  }
-
-  async function handleSubmit() {
-    setSaving(true);
-    setError(null);
-    try {
-      const { household: updated } = await api.patch<{ household: HouseholdInput }>("/api/household", {
-        householdType,
-        inflationRateDefault,
-        persons,
-      });
-      onUpdated(updated);
-      onClose();
-    } catch (e) {
-      setError(e instanceof Error ? e.message : "Speichern fehlgeschlagen.");
-    } finally {
-      setSaving(false);
-    }
-  }
-
-  return (
-    <div className="flex flex-col gap-4 rounded-xl border border-zinc-200/70 bg-white p-4 shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
-      <SelectField
-        label="Haushaltsform"
-        value={householdType}
-        onChange={handleTypeChange}
-        options={[
-          { value: "SINGLE", label: "Einzelperson" },
-          { value: "COUPLE", label: "Paar (zwei Personen)" },
-        ]}
-      />
-      {persons.map((person, index) => (
-        <div key={person.role} className="grid grid-cols-2 gap-3">
-          <NumberField
-            label={`Alter (${person.role === "PERSON_A" ? "Person A" : "Person B"})`}
-            value={person.age}
-            onChange={(v) => setPersons((prev) => prev.map((p, i) => (i === index ? { ...p, age: v } : p)))}
-          />
-          <NumberField
-            label="Geplantes Pensionierungsalter"
-            value={person.retirementAge}
-            onChange={(v) =>
-              setPersons((prev) => prev.map((p, i) => (i === index ? { ...p, retirementAge: v } : p)))
-            }
-          />
-        </div>
-      ))}
-      <NumberField
-        label="Erwartete Inflationsrate (%)"
-        value={inflationRateDefault}
-        step={0.1}
-        onChange={setInflationRateDefault}
-      />
-      {error && <p className="text-sm text-red-600 dark:text-red-400">{error}</p>}
-      <div className="flex gap-2">
-        <button
-          type="button"
-          disabled={saving}
-          onClick={handleSubmit}
-          className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 disabled:opacity-50 dark:bg-indigo-500 dark:hover:bg-indigo-400"
-        >
-          {saving ? "Speichern..." : "Speichern"}
-        </button>
-        <button
-          type="button"
-          onClick={onClose}
-          className="rounded-lg border border-zinc-300 px-4 py-2 text-sm font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
-        >
-          Abbrechen
-        </button>
-      </div>
-    </div>
-  );
-}

src/components/InfoBubble.tsx

@@ -14,12 +14,12 @@ export function InfoBubble({ text }: { text: string }) {
         onMouseEnter={() => setOpen(true)}
         onMouseLeave={() => setOpen(false)}
         onClick={() => setOpen((o) => !o)}
-        className="flex h-4 w-4 items-center justify-center rounded-full bg-indigo-100 text-indigo-500 hover:bg-indigo-200 dark:bg-indigo-500/20 dark:text-indigo-300 dark:hover:bg-indigo-500/30"
+        className="flex h-4 w-4 items-center justify-center rounded-full bg-accent-soft text-accent-soft-fg hover:opacity-80"
       >
         <Info className="h-2.5 w-2.5" strokeWidth={2.5} />
       </button>
       {open && (
-        <span className="absolute left-1/2 top-6 z-20 w-64 -translate-x-1/2 rounded-lg border border-zinc-200 bg-white p-2.5 text-xs leading-snug text-zinc-700 shadow-lg dark:border-zinc-700 dark:bg-zinc-800 dark:text-zinc-200">
+        <span className="absolute left-1/2 top-6 z-20 w-64 -translate-x-1/2 rounded-lg border border-border bg-surface p-2.5 text-xs leading-snug text-fg shadow-lg">
           {text}
         </span>
       )}

src/components/Onboarding.tsx

@@ -1,119 +0,0 @@
-"use client";
-
-import { useState } from "react";
-import { PiggyBank } from "lucide-react";
-import { api } from "@/lib/api-client";
-import { NumberField, SelectField } from "@/components/FormField";
-import type { HouseholdInput, HouseholdType, PersonRole } from "@/lib/types";
-
-interface PersonDraft {
-  role: PersonRole;
-  age: number;
-  retirementAge: number;
-}
-
-export function Onboarding({ onDone }: { onDone: (household: HouseholdInput) => void }) {
-  const [householdType, setHouseholdType] = useState<HouseholdType>("SINGLE");
-  const [inflationRateDefault, setInflationRateDefault] = useState(1.5);
-  const [persons, setPersons] = useState<PersonDraft[]>([
-    { role: "PERSON_A", age: 35, retirementAge: 65 },
-  ]);
-  const [error, setError] = useState<string | null>(null);
-  const [saving, setSaving] = useState(false);
-
-  function handleTypeChange(type: HouseholdType) {
-    setHouseholdType(type);
-    if (type === "SINGLE") {
-      setPersons((p) => p.slice(0, 1));
-    } else if (persons.length < 2) {
-      setPersons((p) => [...p, { role: "PERSON_B", age: 35, retirementAge: 65 }]);
-    }
-  }
-
-  function updatePerson(index: number, patch: Partial<PersonDraft>) {
-    setPersons((prev) => prev.map((p, i) => (i === index ? { ...p, ...patch } : p)));
-  }
-
-  async function handleSubmit() {
-    setSaving(true);
-    setError(null);
-    try {
-      const { household } = await api.post<{ household: HouseholdInput }>("/api/household", {
-        householdType,
-        inflationRateDefault,
-        persons,
-      });
-      onDone(household);
-    } catch (e) {
-      setError(e instanceof Error ? e.message : "Unbekannter Fehler.");
-    } finally {
-      setSaving(false);
-    }
-  }
-
-  return (
-    <div className="mx-auto flex w-full max-w-xl flex-1 flex-col justify-center px-6 py-16">
-      <div className="mb-2 flex items-center gap-2">
-        <PiggyBank className="h-7 w-7 text-indigo-600 dark:text-indigo-400" />
-        <h1 className="text-2xl font-semibold text-zinc-900 dark:text-zinc-50">
-          Willkommen beim Financial Planning Tool
-        </h1>
-      </div>
-      <p className="mb-8 text-sm text-zinc-600 dark:text-zinc-400">
-        Bevor es losgeht, brauchen wir ein paar Eckdaten zu Ihrem Haushalt.
-      </p>
-
-      <div className="flex flex-col gap-5 rounded-xl border border-zinc-200/70 bg-white p-6 shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
-        <SelectField
-          label="Haushaltsform"
-          help="Waehlen Sie, ob Sie alleine oder gemeinsam mit einer Partnerin / einem Partner planen."
-          value={householdType}
-          onChange={handleTypeChange}
-          options={[
-            { value: "SINGLE", label: "Einzelperson" },
-            { value: "COUPLE", label: "Paar (zwei Personen)" },
-          ]}
-        />
-
-        {persons.map((person, index) => (
-          <div key={person.role} className="grid grid-cols-2 gap-3 rounded-xl border border-zinc-100 bg-zinc-50/60 p-3 dark:border-zinc-800 dark:bg-zinc-800/30">
-            <div className="col-span-2 text-xs font-semibold uppercase tracking-wide text-zinc-500">
-              {householdType === "COUPLE" ? (person.role === "PERSON_A" ? "Person A" : "Person B") : "Ihre Angaben"}
-            </div>
-            <NumberField
-              label="Aktuelles Alter"
-              help="Ihr heutiges Alter in vollen Jahren."
-              value={person.age}
-              onChange={(v) => updatePerson(index, { age: v })}
-            />
-            <NumberField
-              label="Geplantes Pensionierungsalter"
-              help="Das Alter, in dem Sie voraussichtlich in Rente gehen moechten. Dient nur der groben Orientierung bei der Phasenplanung."
-              value={person.retirementAge}
-              onChange={(v) => updatePerson(index, { retirementAge: v })}
-            />
-          </div>
-        ))}
-
-        <NumberField
-          label="Erwartete Inflationsrate (%)"
-          help="Langfristige Annahme zur jaehrlichen Teuerung. Kann pro Lebensphase individuell ueberschrieben werden."
-          value={inflationRateDefault}
-          step={0.1}
-          onChange={setInflationRateDefault}
-        />
-
-        {error && <p className="text-sm text-red-600 dark:text-red-400">{error}</p>}
-
-        <button
-          type="button"
-          disabled={saving}
-          onClick={handleSubmit}
-          className="mt-2 rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 disabled:opacity-50 dark:bg-indigo-500 dark:hover:bg-indigo-400"
-        >
-          {saving ? "Speichern..." : "Weiter"}
-        </button>
-      </div>
-    </div>
-  );
-}

src/components/PhaseDetail.tsx

@@ -4,20 +4,20 @@ import { useState } from "react";
 import { Trash2 } from "lucide-react";
 import { NumberField, TextField } from "@/components/FormField";
 import { api } from "@/lib/api-client";
-import type { HouseholdInput, PhaseInput } from "@/lib/types";
+import type { PhaseInput } from "@/lib/types";
 
 export function PhaseDetail({
   phase,
   maxDurationYears,
   isLast,
-  household,
+  inflationDefault,
   onSaved,
   onDeleted,
 }: {
   phase: PhaseInput;
   maxDurationYears: number | null;
   isLast: boolean;
-  household: HouseholdInput;
+  inflationDefault: number;
   onSaved: () => void;
   onDeleted: () => void;
 }) {
@@ -55,14 +55,14 @@ export function PhaseDetail({
   return (
     <div className="flex flex-col gap-4">
       <div className="flex items-center justify-between">
-        <div className="text-xs font-semibold uppercase tracking-wide text-indigo-600 dark:text-indigo-400">
+        <div className="text-xs font-semibold uppercase tracking-wide text-accent-soft-fg">
           Lebensphase
         </div>
         {isLast && (
           <button
             type="button"
             onClick={remove}
-            className="flex items-center gap-1 rounded-lg border border-zinc-300 px-2 py-1 text-xs text-zinc-500 hover:border-red-200 hover:bg-red-50 hover:text-red-600 dark:border-zinc-700 dark:hover:bg-red-950"
+            className="flex items-center gap-1 rounded-lg border border-border px-2 py-1 text-xs text-muted hover:border-danger hover:bg-danger-soft hover:text-danger"
           >
             <Trash2 className="h-3.5 w-3.5" /> Phase loeschen
           </button>
@@ -81,20 +81,20 @@ export function PhaseDetail({
         />
         <NumberField
           label="Inflationsrate (%)"
-          help="Ueberschreibt die Standardannahme aus dem Grundprofil."
+          help="Ueberschreibt die Standardannahme aus dem Plan-Grundprofil."
-          value={inflationRate ?? household.inflationRateDefault}
+          value={inflationRate ?? inflationDefault}
           step={0.1}
           onChange={setInflationRate}
         />
       </div>
 
-      {error && <p className="text-sm text-red-600 dark:text-red-400">{error}</p>}
+      {error && <p className="text-sm text-danger">{error}</p>}
       <div>
         <button
           type="button"
           disabled={saving}
           onClick={save}
-          className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 disabled:opacity-50 dark:bg-indigo-500 dark:hover:bg-indigo-400"
+          className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover disabled:opacity-50"
         >
           {saving ? "Speichern..." : "Speichern"}
         </button>

src/components/PlanProfileFields.tsx

@@ -0,0 +1,93 @@
+"use client";
+
+import { NumberField, SelectField } from "@/components/FormField";
+import type { HouseholdType, PersonRole } from "@/lib/types";
+
+export interface ProfileDraft {
+  householdType: HouseholdType;
+  inflationRateDefault: number;
+  persons: { role: PersonRole; age: number; retirementAge: number }[];
+}
+
+export function emptyProfileDraft(): ProfileDraft {
+  return {
+    householdType: "SINGLE",
+    inflationRateDefault: 1.5,
+    persons: [{ role: "PERSON_A", age: 35, retirementAge: 65 }],
+  };
+}
+
+// Gemeinsame Formularfelder fuer das Grundprofil eines Plans (Haushaltsform, Personen,
+// Inflation). Wird beim Plan-Erstellen und in den Plan-Einstellungen verwendet.
+export function PlanProfileFields({
+  draft,
+  onChange,
+}: {
+  draft: ProfileDraft;
+  onChange: (next: ProfileDraft) => void;
+}) {
+  function setType(type: HouseholdType) {
+    if (type === "SINGLE") {
+      onChange({ ...draft, householdType: type, persons: draft.persons.slice(0, 1) });
+    } else {
+      const persons =
+        draft.persons.length < 2
+          ? [...draft.persons, { role: "PERSON_B" as PersonRole, age: 35, retirementAge: 65 }]
+          : draft.persons;
+      onChange({ ...draft, householdType: type, persons });
+    }
+  }
+
+  function updatePerson(index: number, patch: Partial<ProfileDraft["persons"][number]>) {
+    onChange({
+      ...draft,
+      persons: draft.persons.map((p, i) => (i === index ? { ...p, ...patch } : p)),
+    });
+  }
+
+  return (
+    <div className="flex flex-col gap-4">
+      <SelectField
+        label="Haushaltsform"
+        help="Waehlen Sie, ob Sie alleine oder gemeinsam mit einer Partnerin / einem Partner planen."
+        value={draft.householdType}
+        onChange={setType}
+        options={[
+          { value: "SINGLE", label: "Einzelperson" },
+          { value: "COUPLE", label: "Paar (zwei Personen)" },
+        ]}
+      />
+
+      {draft.persons.map((person, index) => (
+        <div key={person.role} className="grid grid-cols-2 gap-3 rounded-xl border border-border bg-surface-2 p-3">
+          <div className="col-span-2 text-xs font-semibold uppercase tracking-wide text-faint">
+            {draft.householdType === "COUPLE" ? (person.role === "PERSON_A" ? "Person A" : "Person B") : "Ihre Angaben"}
+          </div>
+          <NumberField
+            label="Aktuelles Alter"
+            value={person.age}
+            min={0}
+            max={120}
+            onChange={(v) => updatePerson(index, { age: Math.round(v) })}
+          />
+          <NumberField
+            label="Pensionierungsalter"
+            help="Steuert die Ableitung des Phasentyps (Erwerb/Pension)."
+            value={person.retirementAge}
+            min={30}
+            max={100}
+            onChange={(v) => updatePerson(index, { retirementAge: Math.round(v) })}
+          />
+        </div>
+      ))}
+
+      <NumberField
+        label="Erwartete Inflationsrate (%)"
+        help="Langfristige Annahme zur jaehrlichen Teuerung. Kann pro Lebensphase individuell ueberschrieben werden."
+        value={draft.inflationRateDefault}
+        step={0.1}
+        onChange={(v) => onChange({ ...draft, inflationRateDefault: v })}
+      />
+    </div>
+  );
+}

src/components/PlanView.tsx

@@ -12,13 +12,21 @@ import {
   Landmark,
   PiggyBank,
   Plus,
+  Settings2,
   ShoppingCart,
   TrendingUp,
   Wallet,
+  X,
 } from "lucide-react";
 import { Timeline } from "@/components/Timeline";
-import { ElementDetail, type CellContext } from "@/components/ElementDetail";
+import {
+  ElementDetail,
+  ElementPhaseFields,
+  ElementTransitionFields,
+  type CellContext,
+} from "@/components/ElementDetail";
 import { PhaseDetail } from "@/components/PhaseDetail";
+import { PlanProfileFields, type ProfileDraft } from "@/components/PlanProfileFields";
 import { api } from "@/lib/api-client";
 import { formatChf } from "@/lib/format";
 import {
@@ -27,12 +35,10 @@ import {
   PERSON_ONLY_CATEGORIES,
   num,
   type ElementCategory,
+  type PhaseData,
 } from "@/lib/elements";
-import { resolveRetirementAge, type PhaseComputed, type PlanComputed } from "@/lib/calculations";
+import type { PhaseComputed, PlanComputed } from "@/lib/calculations";
-import type { ElementInput, HouseholdInput, PlanInput } from "@/lib/types";
+import type { ElementInput, PlanInput } from "@/lib/types";
-
-const PERSON_A_COLOR = "#4f46e5";
-const PERSON_B_COLOR = "#0ea5e9";
 
 const CATEGORY_ICON: Record<ElementCategory, React.ReactNode> = {
   INCOME: <Wallet className="h-4 w-4" />,
@@ -53,6 +59,14 @@ const TRANSITION_CATEGORIES: ElementCategory[] = [
   "OTHER_DEBT",
 ];
 
+const VALUE_CATEGORIES: ElementCategory[] = [
+  "PENSION_FUND",
+  "PILLAR_3A",
+  "REAL_ESTATE",
+  "OTHER_ASSET",
+  "OTHER_DEBT",
+];
+
 type Column =
   | { kind: "phase"; phase: PhaseComputed }
   | { kind: "transition"; fromPhase: PhaseComputed; toPhase: PhaseComputed };
@@ -64,18 +78,19 @@ type Selection =
 
 export function PlanView({
   plan,
-  household,
   computed,
   onChanged,
 }: {
   plan: PlanInput;
-  household: HouseholdInput;
   computed: PlanComputed;
   onChanged: () => void;
 }) {
   const [selected, setSelected] = useState<Selection | null>(null);
   const [collapsedCats, setCollapsedCats] = useState<Set<ElementCategory>>(new Set());
   const [showAdd, setShowAdd] = useState(false);
+  const [showAddPhase, setShowAddPhase] = useState(false);
+  const [showSettings, setShowSettings] = useState(false);
+  const [reviewFromPhaseId, setReviewFromPhaseId] = useState<string | null>(null);
 
   const columns = useMemo<Column[]>(() => {
     const cols: Column[] = [];
@@ -88,12 +103,12 @@ export function PlanView({
     return cols;
   }, [computed.phases]);
 
-  const personAxes = household.persons.map((p) => ({
+  const personAxes = plan.persons.map((p) => ({
     role: p.role,
     label: p.role === "PERSON_A" ? "Person A" : "Person B",
     currentAge: p.age,
-    retirementAge: resolveRetirementAge(p.role, plan, p.retirementAge),
+    retirementAge: p.retirementAge,
-    color: p.role === "PERSON_A" ? PERSON_A_COLOR : PERSON_B_COLOR,
+    color: p.role === "PERSON_A" ? "var(--person-a)" : "var(--person-b)",
   }));
 
   const elementsByCategory = useMemo(() => {
@@ -116,48 +131,117 @@ export function PlanView({
     return !!before?.working && !!after && !after.working;
   }
 
-  async function handleAddPhase() {
+  // Baut den Kontext (inkl. Live-Caps) fuer eine Phasenzelle.
-    await api.post(`/api/plans/${plan.id}/phases`, {});
+  function buildPhaseContext(phase: PhaseComputed, element: ElementInput): CellContext {
+    const ce = computedElement(phase.id, element.id);
+    const ownerWorking =
+      element.ownerRole && element.ownerRole !== "HOUSEHOLD"
+        ? phase.persons.find((p) => p.role === element.ownerRole)?.working ?? false
+        : phase.type !== "PENSION";
+    const otherQuota = phase.quotaAllocated - (ce?.quotaUse ?? 0);
+    const quotaRateMax = Math.max(0, Math.abs(phase.quota) - otherQuota);
+    const capitalMax =
+      phase.availableCapital == null
+        ? undefined
+        : Math.max(0, phase.availableCapital - (phase.availableCapitalUsed - (ce?.capitalUse ?? 0)));
+    const derivedStart = (ce?.startValue ?? 0) - (ce?.capitalUse ?? 0);
+    return {
+      kind: "phase",
+      phaseId: phase.id,
+      ownerWorking,
+      isConsumption: phase.isConsumption,
+      durationYears: phase.durationYears,
+      isRetirementTransition: false,
+      carriedEndValue: ce?.endValue ?? 0,
+      carried: ce?.carried ?? false,
+      derivedStart,
+      quotaRateMax,
+      capitalMax,
+    };
+  }
+
+  function buildTransitionContext(fromPhase: PhaseComputed, toPhase: PhaseComputed | undefined, element: ElementInput): CellContext {
+    const ce = computedElement(fromPhase.id, element.id);
+    return {
+      kind: "transition",
+      phaseId: fromPhase.id,
+      ownerWorking: true,
+      isConsumption: fromPhase.isConsumption,
+      durationYears: fromPhase.durationYears,
+      isRetirementTransition: toPhase ? isRetirementTransition(element, fromPhase, toPhase) : false,
+      carriedEndValue: ce?.endValue ?? 0,
+      carried: ce?.carried ?? false,
+      derivedStart: 0,
+      quotaRateMax: 0,
+      capitalMax: undefined,
+    };
+  }
+
+  // Anzahl offener (noch nicht getroffener) Uebergangs-Entscheide an einer Grenze.
+  function transitionOpenCount(fromPhase: PhaseComputed, toPhase: PhaseComputed): number {
+    let n = 0;
+    for (const el of plan.elements) {
+      if (!TRANSITION_CATEGORIES.includes(el.category)) continue;
+      const ce = computedElement(fromPhase.id, el.id);
+      if (ce && ce.status !== "ACTIVE") continue;
+      const td = el.transitionValues[fromPhase.id] ?? {};
+      if (el.category === "REAL_ESTATE" || el.category === "OTHER_ASSET") {
+        if (td.decision === undefined) n++;
+      } else if (el.category === "PENSION_FUND" && isRetirementTransition(el, fromPhase, toPhase)) {
+        if (td.payoutMode === undefined) n++;
+      }
+    }
+    return n;
+  }
+
+  function transitionElements(fromPhase: PhaseComputed): ElementInput[] {
+    return plan.elements
+      .filter((el) => TRANSITION_CATEGORIES.includes(el.category))
+      .filter((el) => {
+        const ce = computedElement(fromPhase.id, el.id);
+        return !ce || ce.status === "ACTIVE";
+      })
+      .sort((a, b) => a.orderIndex - b.orderIndex);
+  }
+
+  async function handleAddPhase(payload: { name?: string; durationYears?: number; inflationRate?: number | null }) {
+    await api.post(`/api/plans/${plan.id}/phases`, payload);
+    setShowAddPhase(false);
     onChanged();
   }
 
   const hasPhases = computed.phases.length > 0;
+  const firstPhase = computed.phases[0] ?? null;
 
   return (
     <div className="flex flex-col gap-5">
       <Timeline phases={computed.phases} persons={personAxes} />
 
-      {/* Pensionsalter-Overrides */}
+      {/* Plan-Profil */}
-      <div className="flex flex-wrap items-center gap-3 rounded-xl border border-zinc-200/70 bg-white px-4 py-3 text-sm shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
+      <div className="flex flex-wrap items-center gap-3 rounded-xl border border-border bg-surface px-4 py-3 text-sm shadow-sm">
-        <span className="text-xs font-semibold uppercase tracking-wide text-zinc-400">Pensionsalter (Plan)</span>
+        <span className="text-xs font-semibold uppercase tracking-wide text-faint">Grundprofil (Plan)</span>
-        {household.persons.map((p) => (
+        {plan.persons.map((p) => (
-          <label key={p.role} className="flex items-center gap-1.5 text-xs text-zinc-600 dark:text-zinc-300">
+          <span key={p.role} className="text-xs text-muted">
-            {p.role === "PERSON_A" ? "Person A" : "Person B"}:
+            {plan.householdType === "COUPLE" ? (p.role === "PERSON_A" ? "Person A" : "Person B") : "Person"}: {p.age} J., Pension {p.retirementAge}
-            <input
+          </span>
-              type="number"
-              defaultValue={resolveRetirementAge(p.role, plan, p.retirementAge)}
-              className="w-16 rounded-lg border border-zinc-300 px-2 py-1 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-700 dark:bg-zinc-800"
-              onBlur={async (e) => {
-                const val = parseInt(e.target.value, 10);
-                if (!Number.isFinite(val)) return;
-                await api.patch(`/api/plans/${plan.id}`, {
-                  [p.role === "PERSON_A" ? "retirementAgeA" : "retirementAgeB"]: val,
-                });
-                onChanged();
-              }}
-            />
-          </label>
         ))}
-        <span className="text-[11px] text-zinc-400">Standard aus Grundprofil, hier pro Plan uebersteuerbar.</span>
+        <span className="text-xs text-muted">Inflation {plan.inflationRateDefault}%</span>
+        <button
+          type="button"
+          onClick={() => setShowSettings(true)}
+          className="ml-auto flex items-center gap-1.5 rounded-lg border border-border px-2.5 py-1 text-xs font-medium text-muted hover:bg-surface-2"
+        >
+          <Settings2 className="h-3.5 w-3.5" /> Einstellungen
+        </button>
       </div>
 
       {!hasPhases && (
-        <div className="rounded-xl border border-dashed border-zinc-300 bg-white p-8 text-center dark:border-zinc-700 dark:bg-zinc-900">
+        <div className="rounded-xl border border-dashed border-border bg-surface p-8 text-center">
-          <p className="text-sm text-zinc-500">Dieser Plan hat noch keine Lebensphasen.</p>
+          <p className="text-sm text-muted">Dieser Plan hat noch keine Lebensphasen.</p>
           <button
             type="button"
-            onClick={handleAddPhase}
+            onClick={() => setShowAddPhase(true)}
-            className="mt-3 inline-flex items-center gap-1.5 rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white hover:bg-indigo-500 dark:bg-indigo-500"
+            className="mt-3 inline-flex items-center gap-1.5 rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg hover:bg-accent-hover"
           >
             <Plus className="h-4 w-4" /> Erste Lebensphase
           </button>
@@ -169,14 +253,14 @@ export function PlanView({
           <button
             type="button"
             onClick={() => setShowAdd(true)}
-            className="flex items-center gap-1.5 rounded-lg bg-indigo-600 px-3 py-1.5 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 dark:bg-indigo-500 dark:hover:bg-indigo-400"
+            className="flex items-center gap-1.5 rounded-lg bg-accent px-3 py-1.5 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover"
           >
             <Plus className="h-4 w-4" /> Finanzielles Element
           </button>
           <button
             type="button"
-            onClick={handleAddPhase}
+            onClick={() => setShowAddPhase(true)}
-            className="flex items-center gap-1.5 rounded-lg border border-dashed border-indigo-300 bg-indigo-50/50 px-3 py-1.5 text-sm font-medium text-indigo-700 hover:bg-indigo-50 dark:border-indigo-500/30 dark:bg-indigo-500/10 dark:text-indigo-300"
+            className="flex items-center gap-1.5 rounded-lg border border-dashed border-accent bg-accent-soft px-3 py-1.5 text-sm font-medium text-accent-soft-fg hover:bg-accent-soft"
           >
             <Plus className="h-4 w-4" /> Lebensphase
           </button>
@@ -185,11 +269,11 @@ export function PlanView({
 
       {/* Matrix */}
       {hasPhases && (
-        <div className="overflow-x-auto rounded-xl border border-zinc-200/70 bg-white shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
+        <div className="overflow-x-auto rounded-xl border border-border bg-surface shadow-sm">
           <table className="w-full border-collapse text-sm">
             <thead>
               <tr>
-                <th className="sticky left-0 z-20 min-w-44 border-b border-r border-zinc-200 bg-zinc-50 px-3 py-2 text-left text-xs font-semibold uppercase tracking-wide text-zinc-500 dark:border-zinc-800 dark:bg-zinc-800/60">
+                <th className="sticky left-0 z-20 min-w-44 border-b border-r border-border bg-surface-2 px-3 py-2 text-left text-xs font-semibold uppercase tracking-wide text-faint">
                   Finanzielle Elemente
                 </th>
                 {columns.map((col) =>
@@ -201,12 +285,11 @@ export function PlanView({
                       active={selected?.type === "phase" && selected.phaseId === col.phase.id}
                     />
                   ) : (
-                    <th
+                    <TransitionHeader
                       key={`t-${col.fromPhase.id}`}
-                      className="border-b border-r border-zinc-200 bg-indigo-50/40 px-2 py-2 text-center text-[11px] font-medium text-indigo-500 dark:border-zinc-800 dark:bg-indigo-500/5"
+                      openCount={transitionOpenCount(col.fromPhase, col.toPhase)}
-                    >
+                      onClick={() => setReviewFromPhaseId(col.fromPhase.id)}
-                      Uebergang
+                    />
-                    </th>
                   )
                 )}
               </tr>
@@ -218,9 +301,9 @@ export function PlanView({
                 const collapsed = collapsedCats.has(cat);
                 return (
                   <FragmentRows key={cat}>
-                    <tr className="bg-zinc-50/60 dark:bg-zinc-800/30">
+                    <tr className="bg-surface-2">
                       <td
-                        className="sticky left-0 z-10 cursor-pointer border-b border-r border-zinc-200 bg-zinc-50/90 px-3 py-1.5 dark:border-zinc-800 dark:bg-zinc-800/60"
+                        className="sticky left-0 z-10 cursor-pointer border-b border-r border-border bg-surface-2 px-3 py-1.5"
                         onClick={() =>
                           setCollapsedCats((prev) => {
                             const next = new Set(prev);
@@ -230,21 +313,21 @@ export function PlanView({
                           })
                         }
                       >
-                        <span className="flex items-center gap-1.5 text-xs font-semibold text-zinc-600 dark:text-zinc-300">
+                        <span className="flex items-center gap-1.5 text-xs font-semibold text-muted">
                           {collapsed ? <ChevronRight className="h-3.5 w-3.5" /> : <ChevronDown className="h-3.5 w-3.5" />}
-                          <span className="text-indigo-500 dark:text-indigo-400">{CATEGORY_ICON[cat]}</span>
+                          <span className="text-accent">{CATEGORY_ICON[cat]}</span>
                           {CATEGORY_LABELS[cat]}
                         </span>
                       </td>
-                      <td colSpan={columns.length} className="border-b border-zinc-200 dark:border-zinc-800" />
+                      <td colSpan={columns.length} className="border-b border-border" />
                     </tr>
                     {!collapsed &&
                       els.map((el) => (
-                        <tr key={el.id} className="hover:bg-zinc-50/50 dark:hover:bg-zinc-800/20">
+                        <tr key={el.id} className="hover:bg-surface-2">
-                          <td className="sticky left-0 z-10 border-b border-r border-zinc-200 bg-white px-3 py-1.5 dark:border-zinc-800 dark:bg-zinc-900">
+                          <td className="sticky left-0 z-10 border-b border-r border-border bg-surface px-3 py-1.5">
-                            <div className="truncate text-xs font-medium text-zinc-800 dark:text-zinc-200">{el.name}</div>
+                            <div className="truncate text-xs font-medium text-fg">{el.name}</div>
                             {el.ownerRole && el.ownerRole !== "HOUSEHOLD" && (
-                              <div className="text-[10px] text-zinc-400">
+                              <div className="text-[10px] text-faint">
                                 {el.ownerRole === "PERSON_A" ? "Person A" : "Person B"}
                               </div>
                             )}
@@ -260,11 +343,11 @@ export function PlanView({
                                 <td
                                   key={col.phase.id}
                                   onClick={() => setSelected({ type: "phaseCell", elementId: el.id, phaseId: col.phase.id })}
-                                  className={`cursor-pointer border-b border-r border-zinc-200 px-2 py-1.5 text-center text-xs dark:border-zinc-800 ${
+                                  className={`cursor-pointer border-b border-r border-border px-2 py-1.5 text-center text-xs ${
-                                    isSel ? "bg-indigo-100 dark:bg-indigo-500/20" : ""
+                                    isSel ? "bg-accent-soft" : ""
-                                  } ${ce?.locked ? "text-zinc-400" : "text-zinc-700 dark:text-zinc-200"}`}
+                                  } ${ce?.locked ? "text-faint" : "text-fg"}`}
                                 >
-                                  {ce?.summary ?? "–"}
+                                  {phaseCellContent(ce)}
                                 </td>
                               );
                             }
@@ -280,9 +363,9 @@ export function PlanView({
                                   canTransition &&
                                   setSelected({ type: "transitionCell", elementId: el.id, fromPhaseId: col.fromPhase.id })
                                 }
-                                className={`border-b border-r border-zinc-200 px-2 py-1.5 text-center text-[11px] dark:border-zinc-800 ${
+                                className={`border-b border-r border-border px-2 py-1.5 text-center text-[11px] ${
-                                  canTransition ? "cursor-pointer text-indigo-500" : "text-zinc-300 dark:text-zinc-600"
+                                  canTransition ? "cursor-pointer text-accent" : "text-faint"
-                                } ${isSel ? "bg-indigo-100 dark:bg-indigo-500/20" : "bg-indigo-50/30 dark:bg-indigo-500/5"}`}
+                                } ${isSel ? "bg-accent-soft" : "bg-accent-soft/40"}`}
                               >
                                 {canTransition ? transitionSummary(el, col.fromPhase, col.toPhase) : "→"}
                               </td>
@@ -295,7 +378,7 @@ export function PlanView({
               })}
               {plan.elements.length === 0 && (
                 <tr>
-                  <td className="sticky left-0 bg-white px-3 py-4 text-xs text-zinc-400 dark:bg-zinc-900" colSpan={columns.length + 1}>
+                  <td className="sticky left-0 bg-surface px-3 py-4 text-xs text-faint" colSpan={columns.length + 1}>
                     Noch keine finanziellen Elemente. Fuegen Sie oben Ihr erstes Element hinzu.
                   </td>
                 </tr>
@@ -307,25 +390,74 @@ export function PlanView({
 
       {/* Detail-Panel */}
       {selected && (
-        <div className="rounded-xl border border-indigo-200 bg-white p-4 shadow-sm dark:border-indigo-500/30 dark:bg-zinc-900">
+        <div className="rounded-xl border border-accent bg-surface p-4 shadow-sm">{renderDetail()}</div>
-          {renderDetail()}
-        </div>
       )}
 
-      {showAdd && (
+      {showAdd && firstPhase && (
         <AddElementDialog
-          household={household}
+          plan={plan}
+          firstPhase={firstPhase}
           onClose={() => setShowAdd(false)}
-          onCreate={async (payload) => {
+          onCreated={() => {
-            await api.post(`/api/plans/${plan.id}/elements`, payload);
             setShowAdd(false);
             onChanged();
           }}
         />
       )}
+
+      {showAddPhase && (
+        <AddPhaseDialog
+          maxDurationYears={nextPhaseCap()}
+          onClose={() => setShowAddPhase(false)}
+          onCreate={handleAddPhase}
+        />
+      )}
+
+      {showSettings && (
+        <PlanSettingsDialog
+          plan={plan}
+          onClose={() => setShowSettings(false)}
+          onSaved={() => {
+            setShowSettings(false);
+            onChanged();
+          }}
+        />
+      )}
+
+      {reviewFromPhaseId && (() => {
+        const fromPhase = computed.phases.find((p) => p.id === reviewFromPhaseId);
+        if (!fromPhase) return null;
+        const toIndex = computed.phases.findIndex((p) => p.id === fromPhase.id) + 1;
+        const toPhase = computed.phases[toIndex];
+        const els = transitionElements(fromPhase);
+        return (
+          <TransitionReviewDialog
+            fromPhase={fromPhase}
+            toPhase={toPhase}
+            elements={els}
+            buildContext={(el) => buildTransitionContext(fromPhase, toPhase, el)}
+            isRetirement={(el) => (toPhase ? isRetirementTransition(el, fromPhase, toPhase) : false)}
+            onClose={() => setReviewFromPhaseId(null)}
+            onSaved={() => {
+              setReviewFromPhaseId(null);
+              onChanged();
+            }}
+          />
+        );
+      })()}
     </div>
   );
 
+  // Naechste Phasen-Kappung (fuer das Phase-Popup).
+  function nextPhaseCap(): number | null {
+    // Simpel aus den Personen ableiten (Jahre nach Planbeginn = Summe der Dauern).
+    const yearsBefore = plan.phases.reduce((s, p) => s + p.durationYears, 0);
+    const caps = plan.persons
+      .map((p) => p.retirementAge - (p.age + yearsBefore))
+      .filter((d) => d > 0);
+    return caps.length > 0 ? Math.min(...caps) : null;
+  }
+
   function renderDetail() {
     if (!selected) return null;
 
@@ -339,7 +471,7 @@ export function PlanView({
           phase={phaseInput}
           maxDurationYears={phase.maxDurationYears}
           isLast={isLast}
-          household={household}
+          inflationDefault={plan.inflationRateDefault}
           onSaved={onChanged}
           onDeleted={() => {
             setSelected(null);
@@ -354,19 +486,7 @@ export function PlanView({
 
     if (selected.type === "phaseCell") {
       const phase = computed.phases.find((p) => p.id === selected.phaseId)!;
-      const ownerWorking = element.ownerRole && element.ownerRole !== "HOUSEHOLD"
+      const context = buildPhaseContext(phase, element);
-        ? phase.persons.find((p) => p.role === element.ownerRole)?.working ?? false
-        : phase.type !== "PENSION";
-      const ce = computedElement(phase.id, element.id);
-      const context: CellContext = {
-        kind: "phase",
-        phaseId: phase.id,
-        ownerWorking,
-        isConsumption: phase.isConsumption,
-        durationYears: phase.durationYears,
-        isRetirementTransition: false,
-        carriedEndValue: ce?.endValue ?? 0,
-      };
       return (
         <ElementDetail
           element={element}
@@ -383,16 +503,7 @@ export function PlanView({
     const fromPhase = computed.phases.find((p) => p.id === selected.fromPhaseId)!;
     const toIndex = computed.phases.findIndex((p) => p.id === fromPhase.id) + 1;
     const toPhase = computed.phases[toIndex];
-    const ce = computedElement(fromPhase.id, element.id);
+    const context = buildTransitionContext(fromPhase, toPhase, element);
-    const context: CellContext = {
-      kind: "transition",
-      phaseId: fromPhase.id,
-      ownerWorking: true,
-      isConsumption: fromPhase.isConsumption,
-      durationYears: fromPhase.durationYears,
-      isRetirementTransition: toPhase ? isRetirementTransition(element, fromPhase, toPhase) : false,
-      carriedEndValue: ce?.endValue ?? 0,
-    };
     return (
       <ElementDetail
         element={element}
@@ -417,10 +528,10 @@ export function PlanView({
     switch (el.category) {
       case "REAL_ESTATE":
       case "OTHER_ASSET":
-        return td.decision === "SELL" ? "Verkauf" : "Halten";
+        return td.decision === "SELL" ? "Verkauf" : td.decision === "HOLD" ? "Halten" : "?";
       case "PENSION_FUND":
         if (isRetirementTransition(el, fromPhase, toPhase)) {
-          return td.payoutMode === "CAPITAL" ? "Kapital" : td.payoutMode === "COMBI" ? "Kombi" : "Rente";
+          return td.payoutMode === "CAPITAL" ? "Kapital" : td.payoutMode === "COMBI" ? "Kombi" : td.payoutMode === "PENSION" ? "Rente" : "?";
         }
         return num(td.withdrawal) > 0 ? `−${formatChf(num(td.withdrawal))}` : "→";
       case "PILLAR_3A":
@@ -434,63 +545,108 @@ export function PlanView({
   }
 }
 
+// Zellinhalt: Start- UND Zielwert fuer wertbehaftete Elemente, sonst die Kennzahl.
+function phaseCellContent(ce: ReturnType<PhaseComputed["elements"]["find"]> | undefined): React.ReactNode {
+  if (!ce) return "–";
+  if (ce.note) return ce.note;
+  if (VALUE_CATEGORIES.includes(ce.category) && (ce.startValue !== 0 || ce.endValue !== 0)) {
+    return (
+      <span className="whitespace-nowrap">
+        {formatChf(ce.startValue)} <span className="text-faint">→</span> {formatChf(ce.endValue)}
+      </span>
+    );
+  }
+  return ce.summary || "–";
+}
+
 function PhaseHeader({ phase, onClick, active }: { phase: PhaseComputed; onClick: () => void; active: boolean }) {
   const quotaLabel = phase.isConsumption ? "Verzehr" : "Sparquote";
+  const quotaRemaining = Math.max(0, phase.quotaRemaining);
   return (
     <th
       onClick={onClick}
-      className={`min-w-40 cursor-pointer border-b border-r border-zinc-200 px-2 py-2 text-left align-top dark:border-zinc-800 ${
+      className={`min-w-40 cursor-pointer border-b border-r border-border px-2 py-2 text-left align-top ${
-        active ? "bg-indigo-100 dark:bg-indigo-500/20" : "bg-white dark:bg-zinc-900"
+        active ? "bg-accent-soft" : "bg-surface"
       }`}
     >
       <div className="flex items-center gap-1">
-        <span className="truncate text-xs font-semibold text-zinc-800 dark:text-zinc-100">{phase.name}</span>
+        <span className="truncate text-xs font-semibold text-fg">{phase.name}</span>
         {phase.incomplete ? (
-          <AlertCircle className="h-3.5 w-3.5 shrink-0 text-red-500" />
+          <AlertCircle className="h-3.5 w-3.5 shrink-0 text-danger" />
         ) : (
-          <CheckCircle2 className="h-3.5 w-3.5 shrink-0 text-emerald-500" />
+          <CheckCircle2 className="h-3.5 w-3.5 shrink-0 text-success" />
         )}
       </div>
       <div className="mt-0.5 flex flex-wrap gap-1">
-        <span className="rounded bg-zinc-100 px-1 text-[10px] text-zinc-500 dark:bg-zinc-800">
+        <span className="rounded bg-surface-2 px-1 text-[10px] text-muted">
           {phase.type === "ERWERB" ? "Erwerb" : phase.type === "PENSION" ? "Pension" : "Misch"}
         </span>
-        <span className="text-[10px] text-zinc-400">{phase.durationYears} J.</span>
+        <span className="text-[10px] text-faint">{phase.durationYears} J.</span>
-        <span className="text-[10px] text-zinc-400">Alter {phase.persons.map((p) => p.startAge).join("/")}</span>
+        <span className="text-[10px] text-faint">Alter {phase.persons.map((p) => p.startAge).join("/")}</span>
       </div>
-      <div className="mt-1 space-y-0.5 text-[10px] leading-tight text-zinc-500 dark:text-zinc-400">
+      <div className="mt-1 space-y-0.5 text-[10px] leading-tight text-muted">
         <div>Einkommen {formatChf(phase.incomeTotal)}</div>
         <div>Ausgaben {formatChf(phase.expenseTotal)}</div>
-        <div className={phase.quotaComplete ? "text-emerald-600 dark:text-emerald-400" : "text-red-600 dark:text-red-400"}>
+        <div className={phase.quotaComplete ? "text-success" : "text-danger"}>
           {quotaLabel} {formatChf(Math.abs(phase.quota))}
+          {!phase.quotaComplete && <span> · offen {formatChf(quotaRemaining)}</span>}
         </div>
-        <div className={phase.availableCapitalComplete ? "" : "text-red-600 dark:text-red-400"}>
+        <div className={phase.availableCapitalComplete ? "" : "text-danger"}>
           Kapital {phase.availableCapital === null ? "n.a." : formatChf(phase.availableCapital)}
+          {phase.availableCapital !== null && !phase.availableCapitalComplete && (
+            <span> · offen {formatChf(Math.max(0, phase.availableCapitalRemaining))}</span>
+          )}
         </div>
       </div>
     </th>
   );
 }
 
+function TransitionHeader({ openCount, onClick }: { openCount: number; onClick: () => void }) {
+  return (
+    <th
+      onClick={onClick}
+      className={`cursor-pointer border-b border-r border-border px-2 py-2 text-center align-top text-[11px] font-medium ${
+        openCount > 0 ? "bg-accent text-accent-fg" : "bg-accent-soft text-accent-soft-fg"
+      }`}
+    >
+      <div>Uebergang</div>
+      {openCount > 0 ? (
+        <div className="mt-1 rounded-full bg-accent-fg/20 px-1.5 py-0.5 text-[10px] font-semibold">
+          {openCount} offen
+        </div>
+      ) : (
+        <div className="mt-1 text-[10px] opacity-80">pruefen</div>
+      )}
+    </th>
+  );
+}
+
 function FragmentRows({ children }: { children: React.ReactNode }) {
   return <>{children}</>;
 }
 
+// --- Dialog: neues finanzielles Element mit Direkteingabe der Phase-1-Werte ---
 function AddElementDialog({
-  household,
+  plan,
+  firstPhase,
   onClose,
-  onCreate,
+  onCreated,
 }: {
-  household: HouseholdInput;
+  plan: PlanInput;
+  firstPhase: PhaseComputed;
   onClose: () => void;
-  onCreate: (payload: { category: ElementCategory; name: string; ownerRole: string | null }) => void;
+  onCreated: () => void;
 }) {
   const [category, setCategory] = useState<ElementCategory>("INCOME");
   const [name, setName] = useState("");
-  const [ownerRole, setOwnerRole] = useState<string>(household.householdType === "COUPLE" ? "PERSON_A" : "PERSON_A");
+  const [ownerRole, setOwnerRole] = useState<string>("PERSON_A");
+  const [pd, setPd] = useState<PhaseData>({});
+  const [saving, setSaving] = useState(false);
+  const [error, setError] = useState<string | null>(null);
 
   const needsPerson = PERSON_ONLY_CATEGORIES.includes(category);
-  const isCouple = household.householdType === "COUPLE";
+  const isCouple = plan.householdType === "COUPLE";
 
   const ownerOptions = needsPerson
     ? isCouple
@@ -510,24 +666,62 @@ function AddElementDialog({
           { value: "PERSON_A", label: "Person A" },
         ];
 
+  // Kontext fuer die Phase-1-Felder des neuen Elements.
+  const owner = needsPerson || ownerRole !== "HOUSEHOLD" ? ownerRole : null;
+  const ownerWorking =
+    owner && owner !== "HOUSEHOLD"
+      ? firstPhase.persons.find((p) => p.role === owner)?.working ?? false
+      : firstPhase.type !== "PENSION";
+  const context: CellContext = {
+    kind: "phase",
+    phaseId: firstPhase.id,
+    ownerWorking,
+    isConsumption: firstPhase.isConsumption,
+    durationYears: firstPhase.durationYears,
+    isRetirementTransition: false,
+    carriedEndValue: 0,
+    carried: false,
+    derivedStart: 0,
+    quotaRateMax: Math.max(0, Math.abs(firstPhase.quota) - firstPhase.quotaAllocated),
+    capitalMax: firstPhase.availableCapital == null ? undefined : Math.max(0, firstPhase.availableCapital - firstPhase.availableCapitalUsed),
+  };
+
+  async function create() {
+    setSaving(true);
+    setError(null);
+    try {
+      const { element } = await api.post<{ element: { id: string } }>(`/api/plans/${plan.id}/elements`, {
+        category,
+        name: name.trim() || CATEGORY_LABELS[category],
+        ownerRole,
+      });
+      // Ist-Zustand direkt in Phase 1 speichern (sofern Felder ausgefuellt).
+      if (Object.keys(pd).length > 0) {
+        await api.put(`/api/elements/${element.id}/phase/${firstPhase.id}`, pd);
+      }
+      onCreated();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Erstellen fehlgeschlagen.");
+    } finally {
+      setSaving(false);
+    }
+  }
+
   return (
-    <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/40 px-4" onClick={onClose}>
+    <DialogShell title="Finanzielles Element" onClose={onClose} wide>
-      <div
+      <div className="grid grid-cols-1 gap-3 sm:grid-cols-2">
-        onClick={(e) => e.stopPropagation()}
-        className="flex w-full max-w-md flex-col gap-3 rounded-2xl border border-zinc-200 bg-white p-6 shadow-xl dark:border-zinc-700 dark:bg-zinc-900"
-      >
-        <h2 className="text-base font-semibold text-zinc-900 dark:text-zinc-50">Finanzielles Element</h2>
         <div>
-          <label className="mb-1 block text-xs font-medium text-zinc-600 dark:text-zinc-400">Kategorie</label>
+          <label className="mb-1 block text-xs font-medium text-muted">Kategorie</label>
           <select
             value={category}
             onChange={(e) => {
               const c = e.target.value as ElementCategory;
               setCategory(c);
+              setPd({});
               if (PERSON_ONLY_CATEGORIES.includes(c) && ownerRole === "HOUSEHOLD") setOwnerRole("PERSON_A");
               if (!name) setName(CATEGORY_LABELS[c]);
             }}
-            className="w-full rounded-lg border border-zinc-300 px-3 py-2 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-600 dark:bg-zinc-950"
+            className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
           >
             {CATEGORY_ORDER.map((c) => (
               <option key={c} value={c}>
@@ -537,20 +731,11 @@ function AddElementDialog({
           </select>
         </div>
         <div>
-          <label className="mb-1 block text-xs font-medium text-zinc-600 dark:text-zinc-400">Bezeichnung</label>
+          <label className="mb-1 block text-xs font-medium text-muted">Zuordnung</label>
-          <input
-            value={name}
-            onChange={(e) => setName(e.target.value)}
-            placeholder={CATEGORY_LABELS[category]}
-            className="w-full rounded-lg border border-zinc-300 px-3 py-2 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-600 dark:bg-zinc-950"
-          />
-        </div>
-        <div>
-          <label className="mb-1 block text-xs font-medium text-zinc-600 dark:text-zinc-400">Zuordnung</label>
           <select
             value={ownerRole}
             onChange={(e) => setOwnerRole(e.target.value)}
-            className="w-full rounded-lg border border-zinc-300 px-3 py-2 text-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-600 dark:bg-zinc-950"
+            className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
           >
             {ownerOptions.map((o) => (
               <option key={o.value} value={o.value}>
@@ -559,23 +744,271 @@ function AddElementDialog({
             ))}
           </select>
         </div>
-        <div className="flex gap-2">
+        <div className="sm:col-span-2">
-          <button
+          <label className="mb-1 block text-xs font-medium text-muted">Bezeichnung</label>
-            type="button"
+          <input
-            onClick={() => onCreate({ category, name: name.trim() || CATEGORY_LABELS[category], ownerRole })}
+            value={name}
-            className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 dark:bg-indigo-500 dark:hover:bg-indigo-400"
+            onChange={(e) => setName(e.target.value)}
+            placeholder={CATEGORY_LABELS[category]}
+            className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
+          />
+        </div>
+      </div>
+
+      <div className="mt-1 border-t border-border pt-3">
+        <div className="mb-2 text-xs font-semibold uppercase tracking-wide text-faint">Werte (erste Lebensphase)</div>
+        <div className="grid grid-cols-1 gap-3 sm:grid-cols-2">
+          <ElementPhaseFields
+            element={{ category }}
+            context={context}
+            pd={pd}
+            setP={(patch) => setPd((prev) => ({ ...prev, ...patch }))}
+          />
+        </div>
+      </div>
+
+      {error && <p className="text-sm text-danger">{error}</p>}
+      <DialogActions saving={saving} onConfirm={create} onClose={onClose} confirmLabel="Erstellen" />
+    </DialogShell>
+  );
+}
+
+// --- Dialog: neue Lebensphase ---
+function AddPhaseDialog({
+  maxDurationYears,
+  onClose,
+  onCreate,
+}: {
+  maxDurationYears: number | null;
+  onClose: () => void;
+  onCreate: (payload: { name?: string; durationYears?: number; inflationRate?: number | null }) => void;
+}) {
+  const cap = maxDurationYears;
+  const [name, setName] = useState("");
+  const [durationYears, setDurationYears] = useState(cap ?? 10);
+  const [saving, setSaving] = useState(false);
+
+  return (
+    <DialogShell title="Neue Lebensphase" onClose={onClose}>
+      <div className="grid grid-cols-1 gap-3">
+        <div>
+          <label className="mb-1 block text-xs font-medium text-muted">Bezeichnung (optional)</label>
+          <input
+            value={name}
+            onChange={(e) => setName(e.target.value)}
+            placeholder="automatisch (Erwerb/Pension)"
+            className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
+          />
+        </div>
+        <div>
+          <label className="mb-1 block text-xs font-medium text-muted">
+            Dauer (Jahre){cap != null ? ` · max. ${cap}` : ""}
+          </label>
+          <input
+            type="number"
+            value={durationYears}
+            min={1}
+            max={cap ?? undefined}
+            onFocus={(e) => e.currentTarget.select()}
+            onChange={(e) => {
+              const v = e.target.valueAsNumber || 1;
+              setDurationYears(cap != null ? Math.min(v, cap) : v);
+            }}
+            className="w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25"
+          />
+        </div>
+      </div>
+      <DialogActions
+        saving={saving}
+        onConfirm={() => {
+          setSaving(true);
+          onCreate({ name: name.trim() || undefined, durationYears });
+        }}
+        onClose={onClose}
+        confirmLabel="Erstellen"
+      />
+    </DialogShell>
+  );
+}
+
+// --- Dialog: Plan-Einstellungen (Grundprofil bearbeiten) ---
+function PlanSettingsDialog({ plan, onClose, onSaved }: { plan: PlanInput; onClose: () => void; onSaved: () => void }) {
+  const [draft, setDraft] = useState<ProfileDraft>({
+    householdType: plan.householdType,
+    inflationRateDefault: plan.inflationRateDefault,
+    persons: plan.persons.map((p) => ({ role: p.role, age: p.age, retirementAge: p.retirementAge })),
+  });
+  const [saving, setSaving] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  async function save() {
+    setSaving(true);
+    setError(null);
+    try {
+      await api.patch(`/api/plans/${plan.id}`, draft);
+      onSaved();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Speichern fehlgeschlagen.");
+    } finally {
+      setSaving(false);
+    }
+  }
+
+  return (
+    <DialogShell title="Plan-Einstellungen" onClose={onClose}>
+      <PlanProfileFields draft={draft} onChange={setDraft} />
+      {error && <p className="text-sm text-danger">{error}</p>}
+      <DialogActions saving={saving} onConfirm={save} onClose={onClose} confirmLabel="Speichern" />
+    </DialogShell>
+  );
+}
+
+// --- Dialog: geführter Übergang ---
+function TransitionReviewDialog({
+  fromPhase,
+  toPhase,
+  elements,
+  buildContext,
+  isRetirement,
+  onClose,
+  onSaved,
+}: {
+  fromPhase: PhaseComputed;
+  toPhase: PhaseComputed | undefined;
+  elements: ElementInput[];
+  buildContext: (el: ElementInput) => CellContext;
+  isRetirement: (el: ElementInput) => boolean;
+  onClose: () => void;
+  onSaved: () => void;
+}) {
+  const [tds, setTds] = useState<Record<string, import("@/lib/elements").TransitionData>>(() =>
+    Object.fromEntries(elements.map((e) => [e.id, { ...(e.transitionValues[fromPhase.id] ?? {}) }]))
+  );
+  const [saving, setSaving] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  async function saveAll() {
+    setSaving(true);
+    setError(null);
+    try {
+      for (const e of elements) {
+        await api.put(`/api/elements/${e.id}/transition/${fromPhase.id}`, tds[e.id] ?? {});
+      }
+      onSaved();
+    } catch (err) {
+      setError(err instanceof Error ? err.message : "Speichern fehlgeschlagen.");
+    } finally {
+      setSaving(false);
+    }
+  }
+
+  return (
+    <DialogShell title={`Übergang prüfen: ${fromPhase.name} → ${toPhase?.name ?? "Ende"}`} onClose={onClose} wide>
+      <p className="text-sm text-muted">
+        Gehen Sie die Positionen durch und treffen Sie je Element den Übergangs-Entscheid (Halten, Verkaufen,
+        Bezug). Danach werden gehaltene Werte automatisch in die nächste Phase fortgeschrieben.
+      </p>
+      <div className="flex flex-col gap-3">
+        {elements.length === 0 && (
+          <p className="rounded-lg border border-dashed border-border bg-surface-2 p-3 text-sm text-muted">
+            An diesem Übergang gibt es keine zu entscheidenden Positionen.
+          </p>
+        )}
+        {elements.map((el) => {
+          const ctx = buildContext(el);
+          const retire = isRetirement(el);
+          const hint =
+            (el.category === "PENSION_FUND" || el.category === "PILLAR_3A") && !retire
+              ? "Hier könnten Sie optional Kapital beziehen."
+              : el.category === "PENSION_FUND" && retire
+                ? "Pensionierung: Bezugsart wählen (Rente / Kapital / Kombination)."
+                : el.category === "PILLAR_3A" && retire
+                  ? "Wird bei Pensionierung vollständig bezogen."
+                  : null;
+          return (
+            <div key={el.id} className="rounded-xl border border-border bg-surface-2 p-3">
+              <div className="mb-2 flex items-center gap-2">
+                <span className="text-accent">{CATEGORY_ICON[el.category]}</span>
+                <span className="text-sm font-semibold text-fg">{el.name}</span>
+                <span className="text-xs text-faint">{CATEGORY_LABELS[el.category]}</span>
+              </div>
+              {hint && <p className="mb-2 text-xs text-accent-soft-fg">{hint}</p>}
+              <div className="grid grid-cols-1 gap-3 sm:grid-cols-2">
+                <ElementTransitionFields
+                  element={el}
+                  context={ctx}
+                  td={tds[el.id] ?? {}}
+                  setT={(patch) => setTds((prev) => ({ ...prev, [el.id]: { ...prev[el.id], ...patch } }))}
+                />
+              </div>
+            </div>
+          );
+        })}
+      </div>
+      {error && <p className="text-sm text-danger">{error}</p>}
+      <DialogActions saving={saving} onConfirm={saveAll} onClose={onClose} confirmLabel="Alle speichern" />
+    </DialogShell>
+  );
+}
+
+// --- gemeinsame Dialog-Bausteine ---
+function DialogShell({
+  title,
+  onClose,
+  children,
+  wide,
+}: {
+  title: string;
+  onClose: () => void;
+  children: React.ReactNode;
+  wide?: boolean;
+}) {
+  return (
+    <div className="fixed inset-0 z-40 flex items-start justify-center overflow-y-auto bg-black/40 px-4 py-8" onClick={onClose}>
+      <div
+        onClick={(e) => e.stopPropagation()}
+        className={`flex w-full ${wide ? "max-w-2xl" : "max-w-md"} flex-col gap-3 rounded-2xl border border-border bg-surface p-6 shadow-xl`}
       >
-            Erstellen
+        <div className="flex items-center justify-between">
-          </button>
+          <h2 className="text-base font-semibold text-fg">{title}</h2>
-          <button
+          <button type="button" onClick={onClose} aria-label="Schliessen" className="rounded-md p-1 text-faint hover:bg-surface-2">
-            type="button"
+            <X className="h-4 w-4" />
-            onClick={onClose}
-            className="rounded-lg border border-zinc-300 px-4 py-2 text-sm font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
-          >
-            Abbrechen
           </button>
         </div>
+        {children}
       </div>
     </div>
   );
 }
+
+function DialogActions({
+  saving,
+  onConfirm,
+  onClose,
+  confirmLabel,
+}: {
+  saving: boolean;
+  onConfirm: () => void;
+  onClose: () => void;
+  confirmLabel: string;
+}) {
+  return (
+    <div className="flex gap-2 pt-1">
+      <button
+        type="button"
+        disabled={saving}
+        onClick={onConfirm}
+        className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover disabled:opacity-50"
+      >
+        {saving ? "..." : confirmLabel}
+      </button>
+      <button
+        type="button"
+        onClick={onClose}
+        className="rounded-lg border border-border px-4 py-2 text-sm font-medium text-muted hover:bg-surface-2"
+      >
+        Abbrechen
+      </button>
+    </div>
+  );
+}

src/components/ProfileMenu.tsx

@@ -1,59 +1,77 @@
 "use client";
 
 import { useEffect, useRef, useState } from "react";
-import { KeyRound, LogOut, Settings, UserCircle2 } from "lucide-react";
+import { KeyRound, LogOut, Palette, UserCircle2 } from "lucide-react";
 import { api } from "@/lib/api-client";
+import { getEffectiveTheme, setTheme, THEMES, type Theme } from "@/lib/theme";
 
-export function ProfileMenu({
+export function ProfileMenu({ username }: { username: string }) {
-  username,
-  onOpenHouseholdSettings,
-}: {
-  username: string;
-  onOpenHouseholdSettings: () => void;
-}) {
   const [open, setOpen] = useState(false);
   const [showPasswordDialog, setShowPasswordDialog] = useState(false);
+  const [theme, setThemeState] = useState<Theme>("light");
   const menuRef = useRef<HTMLDivElement | null>(null);
 
+  useEffect(() => {
+    setThemeState(getEffectiveTheme());
+  }, []);
+
   useEffect(() => {
     function handleClickOutside(e: MouseEvent) {
-      if (menuRef.current && !menuRef.current.contains(e.target as Node)) {
+      if (menuRef.current && !menuRef.current.contains(e.target as Node)) setOpen(false);
-        setOpen(false);
-      }
     }
     document.addEventListener("mousedown", handleClickOutside);
     return () => document.removeEventListener("mousedown", handleClickOutside);
   }, []);
 
+  function chooseTheme(t: Theme) {
+    setTheme(t);
+    setThemeState(t);
+  }
+
   return (
     <div className="relative" ref={menuRef}>
       <button
         type="button"
         onClick={() => setOpen((v) => !v)}
-        className="flex items-center gap-2 rounded-full border border-zinc-200 bg-white py-1 pl-1 pr-3 text-sm shadow-sm hover:bg-zinc-50 dark:border-zinc-700 dark:bg-zinc-800 dark:hover:bg-zinc-700"
+        className="flex items-center gap-2 rounded-full border border-border bg-surface py-1 pl-1 pr-3 text-sm shadow-sm hover:bg-surface-2"
       >
-        <span className="flex h-7 w-7 items-center justify-center rounded-full bg-indigo-100 text-xs font-semibold uppercase text-indigo-700 dark:bg-indigo-500/20 dark:text-indigo-300">
+        <span className="flex h-7 w-7 items-center justify-center rounded-full bg-accent-soft text-xs font-semibold uppercase text-accent-soft-fg">
           {username.slice(0, 2)}
         </span>
-        <span className="hidden font-medium text-zinc-700 sm:inline dark:text-zinc-200">{username}</span>
+        <span className="hidden font-medium text-fg sm:inline">{username}</span>
       </button>
 
       {open && (
-        <div className="absolute right-0 top-11 z-30 w-56 overflow-hidden rounded-xl border border-zinc-200 bg-white shadow-lg dark:border-zinc-700 dark:bg-zinc-800">
+        <div className="absolute right-0 top-11 z-30 w-60 overflow-hidden rounded-xl border border-border bg-surface shadow-lg">
-          <div className="border-b border-zinc-100 px-4 py-3 dark:border-zinc-700">
+          <div className="border-b border-border px-4 py-3">
             <div className="flex items-center gap-2">
-              <UserCircle2 className="h-4 w-4 text-indigo-500 dark:text-indigo-400" />
+              <UserCircle2 className="h-4 w-4 text-accent" />
-              <span className="text-sm font-medium text-zinc-800 dark:text-zinc-100">{username}</span>
+              <span className="text-sm font-medium text-fg">{username}</span>
             </div>
           </div>
-          <MenuItem
+
-            icon={<Settings className="h-4 w-4" />}
+          <div className="border-b border-border px-4 py-3">
-            label="Grundprofil bearbeiten"
+            <div className="mb-2 flex items-center gap-2 text-xs font-medium text-muted">
-            onClick={() => {
+              <Palette className="h-3.5 w-3.5" /> Farbschema
-              setOpen(false);
+            </div>
-              onOpenHouseholdSettings();
+            <div className="grid grid-cols-3 gap-1">
-            }}
+              {THEMES.map((t) => (
-          />
+                <button
+                  key={t.value}
+                  type="button"
+                  onClick={() => chooseTheme(t.value)}
+                  className={`rounded-lg border px-2 py-1.5 text-xs font-medium ${
+                    theme === t.value
+                      ? "border-accent bg-accent-soft text-accent-soft-fg"
+                      : "border-border text-muted hover:bg-surface-2"
+                  }`}
+                >
+                  {t.label}
+                </button>
+              ))}
+            </div>
+          </div>
+
           <MenuItem
             icon={<KeyRound className="h-4 w-4" />}
             label="Passwort aendern"
@@ -78,20 +96,12 @@ export function ProfileMenu({
   );
 }
 
-function MenuItem({
+function MenuItem({ icon, label, onClick }: { icon: React.ReactNode; label: string; onClick: () => void }) {
-  icon,
-  label,
-  onClick,
-}: {
-  icon: React.ReactNode;
-  label: string;
-  onClick: () => void;
-}) {
   return (
     <button
       type="button"
       onClick={onClick}
-      className="flex w-full items-center gap-2.5 px-4 py-2.5 text-left text-sm text-zinc-700 hover:bg-indigo-50 hover:text-indigo-700 dark:text-zinc-200 dark:hover:bg-indigo-500/10 dark:hover:text-indigo-300"
+      className="flex w-full items-center gap-2.5 px-4 py-2.5 text-left text-sm text-muted hover:bg-accent-soft hover:text-accent-soft-fg"
     >
       {icon}
       {label}
@@ -127,55 +137,26 @@ function ChangePasswordDialog({ onClose }: { onClose: () => void }) {
   }
 
   const inputClass =
-    "w-full rounded-lg border border-zinc-300 bg-white px-3 py-2 text-sm text-zinc-900 shadow-sm focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20 dark:border-zinc-700 dark:bg-zinc-950 dark:text-zinc-100";
+    "w-full rounded-lg border border-border bg-input px-3 py-2 text-sm text-fg shadow-sm focus:border-accent focus:outline-none focus:ring-2 focus:ring-accent/25";
 
   return (
     <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/40 px-4" onClick={onClose}>
       <form
         onSubmit={handleSubmit}
         onClick={(e) => e.stopPropagation()}
-        className="flex w-full max-w-sm flex-col gap-3 rounded-2xl border border-zinc-200 bg-white p-6 shadow-xl dark:border-zinc-700 dark:bg-zinc-900"
+        className="flex w-full max-w-sm flex-col gap-3 rounded-2xl border border-border bg-surface p-6 shadow-xl"
       >
-        <h2 className="text-base font-semibold text-zinc-900 dark:text-zinc-50">Passwort aendern</h2>
+        <h2 className="text-base font-semibold text-fg">Passwort aendern</h2>
-        <input
+        <input type="password" placeholder="Aktuelles Passwort" autoComplete="current-password" value={currentPassword} onChange={(e) => setCurrentPassword(e.target.value)} className={inputClass} />
-          type="password"
+        <input type="password" placeholder="Neues Passwort" autoComplete="new-password" value={newPassword} onChange={(e) => setNewPassword(e.target.value)} className={inputClass} />
-          placeholder="Aktuelles Passwort"
+        <input type="password" placeholder="Neues Passwort bestaetigen" autoComplete="new-password" value={newPasswordConfirm} onChange={(e) => setNewPasswordConfirm(e.target.value)} className={inputClass} />
-          autoComplete="current-password"
+        {error && <p className="text-sm text-danger">{error}</p>}
-          value={currentPassword}
+        {done && <p className="text-sm text-success">Passwort geaendert.</p>}
-          onChange={(e) => setCurrentPassword(e.target.value)}
-          className={inputClass}
-        />
-        <input
-          type="password"
-          placeholder="Neues Passwort"
-          autoComplete="new-password"
-          value={newPassword}
-          onChange={(e) => setNewPassword(e.target.value)}
-          className={inputClass}
-        />
-        <input
-          type="password"
-          placeholder="Neues Passwort bestaetigen"
-          autoComplete="new-password"
-          value={newPasswordConfirm}
-          onChange={(e) => setNewPasswordConfirm(e.target.value)}
-          className={inputClass}
-        />
-        {error && <p className="text-sm text-red-600 dark:text-red-400">{error}</p>}
-        {done && <p className="text-sm text-emerald-600 dark:text-emerald-400">Passwort geaendert.</p>}
         <div className="flex gap-2 pt-1">
-          <button
+          <button type="submit" disabled={saving} className="rounded-lg bg-accent px-4 py-2 text-sm font-medium text-accent-fg shadow-sm hover:bg-accent-hover disabled:opacity-50">
-            type="submit"
-            disabled={saving}
-            className="rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white shadow-sm hover:bg-indigo-500 disabled:opacity-50 dark:bg-indigo-500 dark:hover:bg-indigo-400"
-          >
             {saving ? "..." : "Speichern"}
           </button>
-          <button
+          <button type="button" onClick={onClose} className="rounded-lg border border-border px-4 py-2 text-sm font-medium text-muted hover:bg-surface-2">
-            type="button"
-            onClick={onClose}
-            className="rounded-lg border border-zinc-300 px-4 py-2 text-sm font-medium text-zinc-700 hover:bg-zinc-50 dark:border-zinc-700 dark:text-zinc-200 dark:hover:bg-zinc-800"
-          >
             Abbrechen
           </button>
         </div>

src/components/Timeline.tsx

@@ -32,10 +32,10 @@ export function Timeline({ phases, persons }: { phases: PhaseComputed[]; persons
   }
 
   return (
-    <div className="rounded-xl border border-zinc-200/70 bg-white p-4 shadow-sm dark:border-zinc-800 dark:bg-zinc-900">
+    <div className="rounded-xl border border-border bg-surface p-4 shadow-sm">
       <div className="mb-3 flex items-center justify-between">
-        <h3 className="text-sm font-semibold text-zinc-800 dark:text-zinc-100">Zeitachse</h3>
+        <h3 className="text-sm font-semibold text-fg">Zeitachse</h3>
-        <div className="flex gap-3 text-xs text-zinc-500">
+        <div className="flex gap-3 text-xs text-muted">
           {persons.map((p) => (
             <span key={p.role} className="flex items-center gap-1">
               <span className="inline-block h-2 w-2 rounded-full" style={{ backgroundColor: p.color }} />
@@ -65,18 +65,18 @@ export function Timeline({ phases, persons }: { phases: PhaseComputed[]; persons
         )}
 
         {/* Achse */}
-        <div className="relative h-2 w-full rounded-full bg-gradient-to-r from-indigo-200 to-indigo-400 dark:from-indigo-500/30 dark:to-indigo-500/60">
+        <div className="relative h-2 w-full rounded-full bg-gradient-to-r from-accent-soft to-accent">
           {boundaries.slice(1).map((b) => (
             <div
               key={b.year}
-              className="absolute top-0 h-2 w-px bg-white/70 dark:bg-zinc-900/70"
+              className="absolute top-0 h-2 w-px bg-surface/70"
               style={{ left: pct(minAge + b.year) }}
             />
           ))}
         </div>
 
         {/* Alters-Beschriftung */}
-        <div className="mt-1 flex justify-between text-[11px] text-zinc-500">
+        <div className="mt-1 flex justify-between text-[11px] text-muted">
           <span>{minAge} J.</span>
           <span>{maxAge} J.</span>
         </div>

src/components/WealthChart.tsx

@@ -23,7 +23,7 @@ export interface TimelineSeries {
 // ueberlagerte Plaene fuer den Szenario-Vergleich.
 export function WealthChart({ series }: { series: TimelineSeries[] }) {
   if (series.length === 0 || series[0].computed.phases.length === 0) {
-    return <p className="text-sm text-zinc-500">Noch keine Phasen vorhanden.</p>;
+    return <p className="text-sm text-muted">Noch keine Phasen vorhanden.</p>;
   }
 
   // Datenpunkte je Phasen-Index; X-Achse = Phasenname des Hauptplans.
@@ -46,7 +46,7 @@ export function WealthChart({ series }: { series: TimelineSeries[] }) {
     <div className="h-80 w-full">
       <ResponsiveContainer width="100%" height="100%">
         <LineChart data={data} margin={{ top: 8, right: 16, left: 8, bottom: 8 }}>
-          <CartesianGrid strokeDasharray="3 3" className="stroke-zinc-200 dark:stroke-zinc-700" />
+          <CartesianGrid strokeDasharray="3 3" className="stroke-border" />
           <XAxis dataKey="phase" tick={{ fontSize: 11 }} />
           <YAxis
             tick={{ fontSize: 11 }}

src/lib/calculations.ts

@@ -3,10 +3,9 @@ import {
   AHV_FULL_CONTRIBUTION_YEARS,
   AHV_MAX_ANNUAL_SINGLE,
 } from "@/lib/constants";
-import { floorToThousand } from "@/lib/format";
 import { num } from "@/lib/elements";
 import type { ElementCategory } from "@/lib/elements";
-import type { HouseholdInput, PersonRole, PlanInput } from "@/lib/types";
+import type { PersonRole, PlanInput } from "@/lib/types";
 
 export type PhaseType = "ERWERB" | "PENSION" | "MIXED";
 export type ElementStatus = "ACTIVE" | "SOLD" | "SETTLED";
@@ -28,11 +27,12 @@ export interface ElementPhaseComputed {
   ownerRole: string | null;
   status: ElementStatus;
   locked: boolean; // verkauft/getilgt -> in dieser Phase nicht mehr editierbar
+  carried: boolean; // Startwert wird aus der Vorphase fortgeschrieben (Phase >= 2)
   startValue: number; // Netto-Wert zu Phasenbeginn (Aktiven +, Schulden -)
   endValue: number; // Netto-Wert am Phasenende
   incomeContribution: number; // Beitrag zum Phasen-Einkommen
   expenseContribution: number; // Beitrag zu den Phasen-Ausgaben
-  quotaUse: number; // Betrag, der Spar-/Verzehrquote verbraucht (3a/Sonstiges Vermoegen)
+  quotaUse: number; // Betrag, der Spar-/Verzehrquote verbraucht (3a/Vermoegen/Amort./Tilgung)
   capitalUse: number; // verbrauchtes verfuegbares Startkapital (Aufstockung/Neuinvestition)
   summary: string; // Kennzahl fuer die eingeklappte Zelle
   note: string | null; // z. B. "Verkauft", "Getilgt", "Vollstaendig bezogen"
@@ -51,9 +51,11 @@ export interface PhaseComputed {
   quota: number; // Einkommen - Ausgaben (Sparquote wenn >=0, Verzehrquote wenn <0)
   isConsumption: boolean;
   quotaAllocated: number; // verteilte Sparbeitraege bzw. gedeckte Verzehr-Bezuege
+  quotaRemaining: number; // |quota| - quotaAllocated (offener Rest, kann negativ = ueberzogen)
   quotaComplete: boolean;
   availableCapital: number | null; // null in der ersten Phase
   availableCapitalUsed: number;
+  availableCapitalRemaining: number; // 0 in der ersten Phase
   availableCapitalComplete: boolean;
   incomplete: boolean; // roter Status (Quote/Kapital nicht vollstaendig verteilt)
   elements: ElementPhaseComputed[];
@@ -68,28 +70,16 @@ export interface PlanComputed {
   nachlass: number;
 }
 
-// Loest das effektive Pensionsalter einer Person auf (Plan-Override vor Profil-Default).
-export function resolveRetirementAge(
-  role: PersonRole,
-  plan: { retirementAgeA: number | null; retirementAgeB: number | null },
-  profileDefault: number
-): number {
-  const override = role === "PERSON_A" ? plan.retirementAgeA : plan.retirementAgeB;
-  return override ?? profileDefault;
-}
-
 // Maximale Dauer einer neuen Phase, die yearsBefore Jahre nach Planbeginn startet:
 // bis zum naechsten Pensionsereignis einer noch erwerbenden Person (null = unbegrenzt).
 export function maxPhaseDuration(
   persons: { role: PersonRole; age: number; retirementAge: number }[],
-  plan: { retirementAgeA: number | null; retirementAgeB: number | null },
   yearsBefore: number
 ): number | null {
   const caps: number[] = [];
   for (const p of persons) {
-    const ra = resolveRetirementAge(p.role, plan, p.retirementAge);
     const startAge = p.age + yearsBefore;
-    if (startAge < ra) caps.push(ra - startAge);
+    if (startAge < p.retirementAge) caps.push(p.retirementAge - startAge);
   }
   return caps.length > 0 ? Math.min(...caps) : null;
 }
@@ -108,23 +98,23 @@ function emptyCarry(): Carry {
   return { status: "ACTIVE", value: 0, mortgage: 0, owed: 0, pkPensionAnnual: 0, hasCarry: false };
 }
 
+// Zinseszins mit jaehrlichem Beitrag; kein Zwischen-Runden mehr (1'000er-Konzept entfernt),
+// nur das Endresultat wird auf ganze Franken gerundet.
 function growAsset(startValue: number, expectedReturn: number, annual: number, years: number): number {
-  let v = floorToThousand(startValue);
+  let v = startValue;
   for (let y = 0; y < years; y++) {
-    v = floorToThousand(v * (1 + expectedReturn / 100) + annual);
+    v = v * (1 + expectedReturn / 100) + annual;
   }
-  return Math.max(0, v);
+  return Math.max(0, Math.round(v));
 }
 
-export function computePlan(plan: PlanInput, household: HouseholdInput): PlanComputed {
+export function computePlan(plan: PlanInput): PlanComputed {
   const phases = [...plan.phases].sort((a, b) => a.sequenceNumber - b.sequenceNumber);
-  const persons = household.persons;
+  const persons = plan.persons;
 
-  // Pensionsalter je Person (aufgeloest).
+  // Pensionsalter je Person (liegt direkt am plan-eigenen Personensatz).
   const retirementAge = new Map<string, number>();
-  for (const p of persons) {
+  for (const p of persons) retirementAge.set(p.id, p.retirementAge);
-    retirementAge.set(p.id, resolveRetirementAge(p.role, plan, p.retirementAge));
-  }
 
   // Kumulierte AHV-Ausfalljahre je Person (ueber die Erwerbsphasen aufsummiert).
   const gapYearsByPerson = new Map<string, number>();
@@ -185,14 +175,14 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
       if (!owner || workingByPerson.get(owner.id)) continue; // nur pensionierte Personen
       const gap = gapYearsByPerson.get(owner.id) ?? 0;
       const factor = Math.max(0, (AHV_FULL_CONTRIBUTION_YEARS - gap) / AHV_FULL_CONTRIBUTION_YEARS);
-      ahvUncapped.set(owner.id, floorToThousand(AHV_MAX_ANNUAL_SINGLE * factor));
+      ahvUncapped.set(owner.id, Math.round(AHV_MAX_ANNUAL_SINGLE * factor));
     }
     const ahvFinal = new Map(ahvUncapped);
-    if (household.householdType === "COUPLE" && ahvUncapped.size === 2) {
+    if (plan.householdType === "COUPLE" && ahvUncapped.size === 2) {
       const sum = [...ahvUncapped.values()].reduce((a, b) => a + b, 0);
       const cap = AHV_MAX_ANNUAL_SINGLE * AHV_COUPLE_CAP_FACTOR;
       if (sum > cap && sum > 0) {
-        for (const [pid, v] of ahvUncapped) ahvFinal.set(pid, floorToThousand(v * (cap / sum)));
+        for (const [pid, v] of ahvUncapped) ahvFinal.set(pid, Math.round(v * (cap / sum)));
       }
     }
 
@@ -217,6 +207,7 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
         ownerRole: e.ownerRole,
         status: carry.status,
         locked: carry.status !== "ACTIVE",
+        carried: carry.hasCarry,
         startValue: 0,
         endValue: 0,
         incomeContribution: 0,
@@ -242,14 +233,14 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
 
       switch (e.category) {
         case "INCOME": {
-          const amount = floorToThousand(num(pd.amount));
+          const amount = Math.round(num(pd.amount));
           ec.incomeContribution = amount;
           incomeTotal += amount;
           ec.summary = fmt(amount);
           break;
         }
         case "EXPENSE": {
-          const amount = floorToThousand(num(pd.amount));
+          const amount = Math.round(num(pd.amount));
           ec.expenseContribution = amount;
           expenseTotal += amount;
           ec.summary = fmt(amount);
@@ -278,13 +269,15 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
             ec.note = "Vollstaendig bezogen";
             ec.summary = "Bezogen";
           } else {
-            const start = floorToThousand(num(pd.currentValue));
+            const base = carry.hasCarry ? carry.value : Math.round(num(pd.currentValue));
-            const contribution = floorToThousand(num(pd.annualContribution));
+            const topUp = carry.hasCarry ? Math.round(num(pd.additionalInvestment)) : 0;
+            const start = base + topUp;
+            const contribution = Math.round(num(pd.annualContribution));
             const r = num(pd.expectedReturn);
             ec.startValue = start;
             ec.endValue = growAsset(start, r, contribution, phase.durationYears);
-            ec.capitalUse = Math.max(0, start - carry.value);
+            ec.capitalUse = topUp;
-            capitalUsed += ec.capitalUse;
+            capitalUsed += topUp;
             // PK-Beitraege zaehlen NICHT gegen die Sparquote (in Ausgaben enthalten).
             ec.summary = fmt(ec.endValue);
           }
@@ -295,13 +288,15 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
             ec.note = "Vollstaendig bezogen";
             ec.summary = "Bezogen";
           } else {
-            const start = floorToThousand(num(pd.currentValue));
+            const base = carry.hasCarry ? carry.value : Math.round(num(pd.currentValue));
-            const contribution = roundToHundred(num(pd.annualContribution));
+            const topUp = carry.hasCarry ? Math.round(num(pd.additionalInvestment)) : 0;
+            const start = base + topUp;
+            const contribution = Math.round(num(pd.annualContribution));
             const r = num(pd.expectedReturn);
             ec.startValue = start;
             ec.endValue = growAsset(start, r, contribution, phase.durationYears);
-            ec.capitalUse = Math.max(0, start - carry.value);
+            ec.capitalUse = topUp;
-            capitalUsed += ec.capitalUse;
+            capitalUsed += topUp;
             ec.quotaUse = contribution; // zaehlt gegen die Sparquote
             quotaAllocated += contribution;
             ec.summary = fmt(ec.endValue);
@@ -309,15 +304,16 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
           break;
         }
         case "OTHER_ASSET": {
-          const start = floorToThousand(num(pd.startValue));
+          const base = carry.hasCarry ? carry.value : Math.round(num(pd.startValue));
-          const contribution = floorToThousand(num(pd.annualContribution));
+          const topUp = carry.hasCarry ? Math.round(num(pd.additionalInvestment)) : 0;
+          const start = base + topUp;
+          const contribution = Math.round(num(pd.annualContribution));
           const r = num(pd.expectedReturn);
           ec.startValue = start;
-          ec.capitalUse = Math.max(0, start - carry.value);
+          ec.capitalUse = topUp;
-          capitalUsed += ec.capitalUse;
+          capitalUsed += topUp;
-          // In Erwerbsphasen (Sparen) wird eingezahlt, in Verzehrphasen bezogen -- das
+          // In Erwerbsphasen Sparbeitrag, in Verzehrphasen Bezugsrate -- beides zaehlt gegen
-          // Vorzeichen ergibt sich aus der Phasenquote (siehe unten). Hier immer als
+          // die Quote (Vorzeichen ergibt sich aus der Phasenquote).
-          // Beitrag verbucht; die Verzehr-Logik nutzt denselben Betrag als Bezug.
           ec.quotaUse = contribution;
           quotaAllocated += contribution;
           ec.endValue = growAsset(start, r, contribution, phase.durationYears);
@@ -325,9 +321,9 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
           break;
         }
         case "REAL_ESTATE": {
-          const purchase = floorToThousand(num(pd.purchasePrice));
+          const purchase = Math.round(num(pd.purchasePrice));
-          const mortgageStart = carry.hasCarry ? carry.mortgage : floorToThousand(num(pd.mortgage));
+          const mortgageStart = carry.hasCarry ? carry.mortgage : Math.round(num(pd.mortgage));
-          const amort = floorToThousand(num(pd.amortization));
+          const amort = Math.round(num(pd.amortization));
           const mortgageEnd = Math.max(0, mortgageStart - amort * phase.durationYears);
           ec.startValue = purchase - mortgageStart;
           ec.endValue = purchase - mortgageEnd;
@@ -335,17 +331,23 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
             ec.capitalUse = Math.max(0, purchase - mortgageStart); // Eigenkapital bei Neukauf
             capitalUsed += ec.capitalUse;
           }
+          // Amortisation ist quotenwirksam (jaehrlicher Budgetbetrag).
+          ec.quotaUse = amort;
+          quotaAllocated += amort;
           carry.mortgage = mortgageEnd; // fuer Uebergang
           ec.summary = fmt(ec.endValue);
           break;
         }
         case "OTHER_DEBT": {
-          const owedStart = carry.hasCarry ? carry.owed : floorToThousand(num(pd.startValue));
+          const owedStart = carry.hasCarry ? carry.owed : Math.round(num(pd.startValue));
-          const repay = floorToThousand(num(pd.annualRepayment));
+          const repay = Math.round(num(pd.annualRepayment));
           const owedEnd = Math.max(0, owedStart - repay * phase.durationYears);
           ec.startValue = -owedStart;
           ec.endValue = -owedEnd;
           carry.owed = owedEnd;
+          // Tilgung ist quotenwirksam (jaehrlicher Budgetbetrag).
+          ec.quotaUse = repay;
+          quotaAllocated += repay;
           ec.summary = fmt(ec.endValue);
           if (owedEnd === 0) ec.note = "Wird getilgt";
           break;
@@ -361,16 +363,18 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
     // Sparphase: alles verteilt, wenn quotaAllocated == quota. Verzehrphase: gedeckt,
     // wenn Bezuege (quotaAllocated) den Fehlbetrag decken.
     const quotaTarget = Math.abs(quota);
-    const quotaComplete = Math.abs(quotaTarget - quotaAllocated) < 1;
+    const quotaRemaining = quotaTarget - quotaAllocated;
+    const quotaComplete = Math.abs(quotaRemaining) < 1;
 
     const availableCapital = incomingCapital;
     const availableCapitalUsed = capitalUsed;
+    const availableCapitalRemaining = availableCapital === null ? 0 : availableCapital - availableCapitalUsed;
     const availableCapitalComplete =
-      availableCapital === null || Math.abs(availableCapital - availableCapitalUsed) < 1;
+      availableCapital === null || Math.abs(availableCapitalRemaining) < 1;
 
     const incomplete = !quotaComplete || !availableCapitalComplete;
 
-    const inflationRate = phase.inflationRate ?? household.inflationRateDefault;
+    const inflationRate = phase.inflationRate ?? plan.inflationRateDefault;
     cumulativeInflation = cumulativeInflation * (1 + inflationRate / 100);
 
     const startWealthNominal = elementsComputed.reduce((s, ec) => s + ec.startValue, 0);
@@ -389,9 +393,11 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
       quota,
       isConsumption,
       quotaAllocated,
+      quotaRemaining,
       quotaComplete,
       availableCapital,
       availableCapitalUsed,
+      availableCapitalRemaining,
       availableCapitalComplete,
       incomplete,
       elements: elementsComputed,
@@ -409,7 +415,7 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
       const td = e.transitionValues[phase.id] ?? {};
       const owner = e.ownerRole && e.ownerRole !== "HOUSEHOLD" ? personByRole(persons, e.ownerRole) : null;
       const ownerRetiresNext =
-        !!owner && !!nextPhase && workingByPerson.get(owner.id) === true && retiresInPhase(owner.id, nextPhase, persons, retirementAge, yearsBefore + phase.durationYears);
+        !!owner && !!nextPhase && workingByPerson.get(owner.id) === true && retiresInPhase(owner.id, persons, retirementAge, yearsBefore + phase.durationYears);
 
       if (carry.status !== "ACTIVE") {
         carry.hasCarry = true;
@@ -422,22 +428,22 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
             const value = ec.endValue;
             const mode = td.payoutMode ?? "PENSION";
             if (mode === "CAPITAL") {
-              const net = floorToThousand(value * (1 - num(td.capitalTaxRate) / 100));
+              const net = Math.round(value * (1 - num(td.capitalTaxRate) / 100));
               outgoing += net;
               carry.value = 0;
               carry.pkPensionAnnual = 0;
             } else if (mode === "PENSION") {
-              carry.pkPensionAnnual = floorToThousand((value * num(td.conversionRate)) / 100);
+              carry.pkPensionAnnual = Math.round((value * num(td.conversionRate)) / 100);
               carry.value = 0;
             } else {
-              const capital = Math.min(value, floorToThousand(num(td.capitalAmount)));
+              const capital = Math.min(value, Math.round(num(td.capitalAmount)));
-              const net = floorToThousand(capital * (1 - num(td.capitalTaxRate) / 100));
+              const net = Math.round(capital * (1 - num(td.capitalTaxRate) / 100));
               outgoing += net;
-              carry.pkPensionAnnual = floorToThousand(((value - capital) * num(td.conversionRate)) / 100);
+              carry.pkPensionAnnual = Math.round(((value - capital) * num(td.conversionRate)) / 100);
               carry.value = 0;
             }
           } else {
-            const withdrawal = Math.min(ec.endValue, floorToThousand(num(td.withdrawal)));
+            const withdrawal = Math.min(ec.endValue, Math.round(num(td.withdrawal)));
             carry.value = ec.endValue - withdrawal;
             outgoing += withdrawal;
           }
@@ -445,11 +451,11 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
         }
         case "PILLAR_3A": {
           if (ownerRetiresNext) {
-            const net = floorToThousand(ec.endValue * (1 - num(td.capitalTaxRate) / 100));
+            const net = Math.round(ec.endValue * (1 - num(td.capitalTaxRate) / 100));
             outgoing += net;
             carry.value = 0;
           } else {
-            const withdrawal = Math.min(ec.endValue, floorToThousand(num(td.withdrawal)));
+            const withdrawal = Math.min(ec.endValue, Math.round(num(td.withdrawal)));
             carry.value = ec.endValue - withdrawal;
             outgoing += withdrawal;
           }
@@ -466,18 +472,18 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
         }
         case "REAL_ESTATE": {
           if (td.decision === "SELL") {
-            const purchase = floorToThousand(num(e.phaseValues[phase.id]?.purchasePrice));
+            const purchase = Math.round(num(e.phaseValues[phase.id]?.purchasePrice));
-            const salePrice = floorToThousand(num(td.salePrice));
+            const salePrice = Math.round(num(td.salePrice));
             const gain = Math.max(0, salePrice - purchase);
             const tax = gain * (num(td.saleTaxRate) / 100);
-            outgoing += floorToThousand(salePrice - carry.mortgage - tax);
+            outgoing += Math.round(salePrice - carry.mortgage - tax);
             carry.status = "SOLD";
           }
           // HOLD: carry.mortgage bereits gesetzt.
           break;
         }
         case "OTHER_DEBT": {
-          const immediate = Math.min(carry.owed, floorToThousand(num(td.immediateRepayment)));
+          const immediate = Math.min(carry.owed, Math.round(num(td.immediateRepayment)));
           if (immediate > 0) {
             carry.owed = Math.max(0, carry.owed - immediate);
             outgoing -= immediate; // sofortige Tilgung mindert das verfuegbare Kapital
@@ -491,7 +497,7 @@ export function computePlan(plan: PlanInput, household: HouseholdInput): PlanCom
       carry.hasCarry = true;
     }
 
-    incomingCapital = nextPhase ? floorToThousand(outgoing) : null;
+    incomingCapital = nextPhase ? Math.round(outgoing) : null;
     yearsBefore += phase.durationYears;
   }
 
@@ -503,11 +509,10 @@ function personByRole(persons: { id: string; role: PersonRole }[], role: string)
   return persons.find((p) => p.role === role) ?? null;
 }
 
-// Prueft, ob eine Person in der gegebenen Phase (mit gegebenem Jahres-Offset) pensioniert ist,
+// Prueft, ob eine Person mit dem gegebenen Jahres-Offset (zu Beginn der Folgephase) pensioniert
-// obwohl sie in der Vorphase noch erwerbend war.
+// ist, obwohl sie in der Vorphase noch erwerbend war.
 function retiresInPhase(
   personId: string,
-  phase: { durationYears: number },
   persons: { id: string; role: PersonRole; age: number }[],
   retirementAge: Map<string, number>,
   yearsBeforeNext: number
@@ -519,10 +524,6 @@ function retiresInPhase(
   return startAgeNext >= ra;
 }
 
-function roundToHundred(v: number): number {
-  return Math.round((v || 0) / 100) * 100;
-}
-
 function fmt(v: number): string {
   const rounded = Math.round(v || 0);
   const sign = rounded < 0 ? "-" : "";

src/lib/elements.ts

@@ -59,6 +59,9 @@ export interface PhaseData {
   startValue?: number;
   expectedReturn?: number;
   annualContribution?: number;
+  // PENSION_FUND / PILLAR_3A / OTHER_ASSET (ab Phase 2): zusaetzliche Einlage aus dem
+  // verfuegbaren Kapital der Phase. Der Basis-Startwert wird aus der Vorphase fortgeschrieben.
+  additionalInvestment?: number;
   // REAL_ESTATE
   purchasePrice?: number;
   mortgage?: number;
@@ -99,6 +102,7 @@ export const phaseDataSchema = z
     startValue: nonNeg.optional(),
     expectedReturn: z.number().min(-50).max(100).optional(),
     annualContribution: nonNeg.optional(),
+    additionalInvestment: nonNeg.optional(),
     purchasePrice: nonNeg.optional(),
     mortgage: nonNeg.optional(),
     amortization: nonNeg.optional(),

src/lib/format.ts

@@ -10,14 +10,6 @@ export function formatChf(value: number): string {
   return sign + withSeparators;
 }
 
-// Rundet ABwaerts auf ein Vielfaches von 1'000. Bewusst floor statt round: Betraege wie
-// z. B. eine verfuegbare Sparquote von 1'450 CHF liessen sich sonst nicht vollstaendig
-// auf Wertschriften verteilen (nur 1'000er-Schritte moeglich) -- durch Abrunden bleibt
-// der angezeigte/verplanbare Betrag immer tatsaechlich erreichbar.
-export function floorToThousand(value: number): number {
-  return Math.floor((value || 0) / 1000) * 1000;
-}
-
 export function parseChfInput(text: string): number {
   const cleaned = text.replace(/[^0-9-]/g, "");
   const parsed = parseInt(cleaned, 10);

src/lib/queries.ts

@@ -2,9 +2,10 @@ import { Prisma } from "@/generated/prisma/client";
 import { prisma } from "@/lib/db";
 import { phaseDataSchema, transitionDataSchema } from "@/lib/elements";
 import type { PhaseData, TransitionData } from "@/lib/elements";
-import type { HouseholdInput, PlanInput } from "@/lib/types";
+import type { PlanInput } from "@/lib/types";
 
 export const planInclude = {
+  persons: { orderBy: { role: "asc" } },
   phases: { orderBy: { sequenceNumber: "asc" } },
   elements: {
     orderBy: { orderIndex: "asc" },
@@ -13,21 +14,6 @@ export const planInclude = {
 } satisfies Prisma.PlanInclude;
 
 export type PlanWithRelations = Prisma.PlanGetPayload<{ include: typeof planInclude }>;
-export type HouseholdWithPersons = Prisma.HouseholdGetPayload<{ include: { persons: true } }>;
-
-export function toHouseholdInput(household: HouseholdWithPersons): HouseholdInput {
-  return {
-    id: household.id,
-    householdType: household.householdType,
-    inflationRateDefault: household.inflationRateDefault,
-    persons: household.persons.map((p) => ({
-      id: p.id,
-      role: p.role,
-      age: p.age,
-      retirementAge: p.retirementAge,
-    })),
-  };
-}
 
 function parsePhaseData(raw: unknown): PhaseData {
   const parsed = phaseDataSchema.safeParse(raw);
@@ -43,8 +29,14 @@ export function toPlanInput(plan: PlanWithRelations): PlanInput {
   return {
     id: plan.id,
     name: plan.name,
-    retirementAgeA: plan.retirementAgeA,
+    householdType: plan.householdType,
-    retirementAgeB: plan.retirementAgeB,
+    inflationRateDefault: plan.inflationRateDefault,
+    persons: plan.persons.map((p) => ({
+      id: p.id,
+      role: p.role,
+      age: p.age,
+      retirementAge: p.retirementAge,
+    })),
     phases: plan.phases.map((phase) => ({
       id: phase.id,
       sequenceNumber: phase.sequenceNumber,
@@ -70,15 +62,10 @@ export function toPlanInput(plan: PlanWithRelations): PlanInput {
   };
 }
 
-// Liefert den Haushalt des eingeloggten Benutzers (pro Konto genau einer).
+// Laedt einen Plan inkl. Profil + Phasen + Elemente, aber nur wenn er dem Benutzer gehoert.
-export async function getHouseholdOrNull(userId: string): Promise<HouseholdWithPersons | null> {
-  return prisma.household.findFirst({ where: { userId }, include: { persons: true } });
-}
-
-// Laedt einen Plan inkl. Phasen + Elemente, aber nur wenn er dem Benutzer gehoert.
 export async function getOwnedPlan(planId: string, userId: string) {
   return prisma.plan.findFirst({
-    where: { id: planId, household: { userId } },
+    where: { id: planId, userId },
     include: planInclude,
   });
 }
@@ -86,13 +73,13 @@ export async function getOwnedPlan(planId: string, userId: string) {
 // Laedt eine Phase (Basisdaten), aber nur wenn sie dem Benutzer gehoert.
 export async function getOwnedPhase(phaseId: string, userId: string) {
   return prisma.phase.findFirst({
-    where: { id: phaseId, plan: { household: { userId } } },
+    where: { id: phaseId, plan: { userId } },
   });
 }
 
 // Laedt ein Element (Basisdaten), aber nur wenn es dem Benutzer gehoert.
 export async function getOwnedElement(elementId: string, userId: string) {
   return prisma.financialElement.findFirst({
-    where: { id: elementId, plan: { household: { userId } } },
+    where: { id: elementId, plan: { userId } },
   });
 }

src/lib/theme.ts

@@ -0,0 +1,35 @@
+// Theme-Verwaltung: drei waehlbare Schemata, persistiert in localStorage und als
+// data-theme am <html> gesetzt. Ohne gespeicherte Wahl folgt die Oberflaeche der
+// OS-Einstellung (siehe globals.css, prefers-color-scheme).
+
+export type Theme = "light" | "dark" | "warm";
+
+export const THEMES: { value: Theme; label: string }[] = [
+  { value: "light", label: "Hell" },
+  { value: "dark", label: "Dunkel" },
+  { value: "warm", label: "Warm" },
+];
+
+const STORAGE_KEY = "fpt-theme";
+
+export function getStoredTheme(): Theme | null {
+  if (typeof window === "undefined") return null;
+  const v = window.localStorage.getItem(STORAGE_KEY);
+  return v === "light" || v === "dark" || v === "warm" ? v : null;
+}
+
+// Das effektiv aktive Theme (gespeicherte Wahl oder OS-Ableitung).
+export function getEffectiveTheme(): Theme {
+  const stored = getStoredTheme();
+  if (stored) return stored;
+  if (typeof window !== "undefined" && window.matchMedia("(prefers-color-scheme: dark)").matches) {
+    return "dark";
+  }
+  return "light";
+}
+
+export function setTheme(theme: Theme): void {
+  if (typeof window === "undefined") return;
+  window.localStorage.setItem(STORAGE_KEY, theme);
+  document.documentElement.setAttribute("data-theme", theme);
+}

src/lib/types.ts

@@ -1,5 +1,7 @@
 // Domain-Typen fuer Berechnungslogik und API-Payloads. Entkoppelt von den generierten
 // Prisma-Typen, damit die Berechnung unabhaengig testbar bleibt.
+//
+// V3-Rework: Das Grundprofil (Haushaltsform, Personen, Inflation) liegt neu direkt am Plan.
 
 import type { ElementCategory, OwnerRole, PhaseData, TransitionData } from "@/lib/elements";
 
@@ -10,17 +12,9 @@ export interface PersonInput {
   id: string;
   role: PersonRole;
   age: number;
-  // Bereits aufgeloestes Pensionsalter (Plan-Override oder Profil-Default).
   retirementAge: number;
 }
 
-export interface HouseholdInput {
-  id: string;
-  householdType: HouseholdType;
-  inflationRateDefault: number;
-  persons: PersonInput[];
-}
-
 export interface PhaseInput {
   id: string;
   sequenceNumber: number;
@@ -40,11 +34,14 @@ export interface ElementInput {
   transitionValues: Record<string, TransitionData>;
 }
 
+// Ein Plan ist selbsttragend: er traegt sein eigenes Grundprofil (Haushaltsform, Personen,
+// Inflationsannahme) plus die Phasenkette und die finanziellen Elemente.
 export interface PlanInput {
   id: string;
   name: string;
-  retirementAgeA: number | null;
+  householdType: HouseholdType;
-  retirementAgeB: number | null;
+  inflationRateDefault: number;
+  persons: PersonInput[];
   phases: PhaseInput[];
   elements: ElementInput[];
 }