Initial commit - cleaned for CV

.gitignore

@@ -0,0 +1,39 @@
+# Dependencies
+node_modules
+.pnp
+.pnp.js
+
+# Testing
+coverage
+
+# Next.js
+.next/
+out/
+build
+
+# Misc
+.DS_Store
+*.pem
+
+# Debug
+npm-debug.log*
+yarn-debug.log*
+pnpm-debug.log*
+
+# Local env files
+.env*.local
+
+# Vercel
+.vercel
+
+# TypeScript
+*.tsbuildinfo
+next-env.d.ts
+
+# Security
+server-settings.json
+.env
+auth-otp.json
+
+# Local dev
+local_Caddyfile

README.md

@@ -0,0 +1,161 @@
+# 💰 Finanzas - Gestor Personal de Finanzas
+
+Una aplicación moderna y completa para la gestión de finanzas personales, construida con Next.js y TypeScript. Controla tus deudas, tarjetas de crédito, presupuestos y mantente al día con alertas inteligentes.
+
+![Dashboard Preview](./preview.png)
+
+## ✨ Características Principales
+
+### 🏠 Dashboard Central
+- **Resumen financiero** con métricas clave
+- **Actividad reciente** y tendencias
+- **Acciones rápidas** para agregar gastos y pagos
+- **Alertas inteligentes** personalizadas
+
+### 💳 Gestión de Tarjetas de Crédito
+- Múltiples tarjetas con límites y saldos
+- Registro de pagos y compras
+- Seguimiento de cuotas e instalaciones
+- Alertas de cierre y vencimiento
+
+### 📊 Control de Deudas
+- **Deudas fijas**: Alquiler, servicios, suscripciones
+- **Deudas variables**: Compras, entretenimiento, salud
+- Categorización automática
+- Marcado de pagos realizados
+- Notas y recordatorios
+
+### 💰 Presupuesto Mensual
+- Ingresos y gastos planificados
+- Metas de ahorro
+- Seguimiento en tiempo real
+- Visualización con gráficos
+
+### 🚨 Sistema de Alertas
+- Alertas de vencimiento de pagos
+- Advertencias de presupuesto
+- Recordatorios de cierre de tarjetas
+- Detección de gastos inusuales
+- Notificaciones de metas de ahorro
+
+### 📱 Diseño Responsivo
+- Sidebar colapsible en desktop
+- Navegación móvil intuitiva
+- Interfaz moderna con Tailwind CSS
+- Soporte completo para dispositivos móviles
+
+## 🛠️ Stack Tecnológico
+
+- **[Next.js 14](https://nextjs.org/)** - Framework React con SSR/SSG
+- **[TypeScript](https://www.typescriptlang.org/)** - Tipado estático
+- **[Tailwind CSS](https://tailwindcss.com/)** - Estilos utilitarios
+- **[Zustand](https://github.com/pmndrs/zustand)** - Gestión de estado
+- **[Recharts](https://recharts.org/)** - Gráficos y visualizaciones
+- **[Lucide React](https://lucide.dev/)** - Iconos modernos
+
+## 🚀 Instalación y Uso
+
+### Prerrequisitos
+- Node.js 18+
+- npm o yarn
+
+### 1. Clonar el repositorio
+```bash
+git clone https://gitea.cbcren.online/renato97/finanzas.git
+cd finanzas
+```
+
+### 2. Instalar dependencias
+```bash
+npm install
+```
+
+### 3. Ejecutar en desarrollo
+```bash
+npm run dev
+```
+
+La aplicación estará disponible en `http://localhost:3000`
+
+### 4. Construir para producción
+```bash
+npm run build
+```
+
+Los archivos estáticos se generarán en el directorio `dist/`
+
+## 📁 Estructura del Proyecto
+
+```
+finanzas/
+├── app/                    # Rutas y páginas de Next.js
+│   ├── alerts/            # Página de alertas
+│   ├── budget/            # Página de presupuesto
+│   ├── cards/             # Página de tarjetas
+│   ├── debts/             # Página de deudas
+│   └── page.tsx           # Dashboard principal
+├── components/            # Componentes reutilizables
+│   ├── alerts/            # Sistema de alertas
+│   ├── budget/            # Componentes de presupuesto
+│   ├── cards/             # Componentes de tarjetas
+│   ├── dashboard/         # Componentes del dashboard
+│   ├── debts/             # Componentes de deudas
+│   ├── layout/            # Layout y navegación
+│   └── modals/            # Modales de creación/edición
+├── lib/                   # Utilidades y store
+│   ├── store/             # Estado global con Zustand
+│   ├── alerts.ts          # Lógica de alertas
+│   ├── types.ts           # Tipos TypeScript
+│   └── utils.ts           # Utilidades generales
+└── public/                # Archivos estáticos
+```
+
+## 🎯 Funcionalidades Destacadas
+
+### Estado Global con Zustand
+- Gestión reactiva del estado
+- Persistencia automática
+- Selectores optimizados
+- Actualizaciones en tiempo real
+
+### Alertas Inteligentes
+```typescript
+// Tipos de alertas disponibles
+- PAYMENT_DUE: Pago próximo a vencer
+- BUDGET_WARNING: Límite de presupuesto alcanzado
+- CARD_CLOSING: Fecha de cierre de tarjeta
+- CARD_DUE: Vencimiento de tarjeta
+- SAVINGS_GOAL: Meta de ahorro alcanzada
+- UNUSUAL_SPENDING: Gasto inusual detectado
+```
+
+### Categorización Automática
+- **Deudas Fijas**: vivienda, servicios, suscripciones
+- **Deudas Variables**: compras, comida, entretenimiento, salud
+- **Pagos con Cuotas**: seguimiento de instalaciones
+
+## 📊 Métricas y Visualizaciones
+
+- Gráficos de gastos por categoría
+- Tendencias de mes a mes
+- Progreso de metas de ahorro
+- Distribución de deuda total
+
+## 🔐 Seguridad
+
+- Validación de datos con TypeScript
+- Sanitización de inputs
+- Sin almacenamiento de datos sensibles
+- Ejecución completamente en el cliente
+
+## 📄 Licencia
+
+ISC
+
+## 👨‍💻 Autor
+
+Desarrollado por **renato97**
+
+---
+
+⭐ **¿Te gusta el proyecto?** ¡No olvides darle una estrella en Gitea!

app/alerts/page.tsx

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+'use client'
+
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+import { AlertPanel, useAlerts } from '@/components/alerts'
+import { RefreshCw } from 'lucide-react'
+
+export default function AlertsPage() {
+  const { regenerateAlerts, dismissAll } = useAlerts()
+
+  const handleRegenerateAlerts = () => {
+    regenerateAlerts()
+  }
+
+  const handleDismissAll = () => {
+    dismissAll()
+  }
+
+  return (
+    <DashboardLayout title="Alertas">
+      <div className="space-y-6">
+        {/* Action Buttons */}
+        <div className="flex flex-wrap gap-3">
+          <button
+            onClick={handleRegenerateAlerts}
+            className="inline-flex items-center gap-2 px-4 py-2 bg-blue-600 hover:bg-blue-700 text-white text-sm font-medium rounded-lg transition-colors focus:outline-none focus:ring-2 focus:ring-blue-500/20"
+          >
+            <RefreshCw className="h-4 w-4" />
+            Regenerar Alertas
+          </button>
+
+          <button
+            onClick={handleDismissAll}
+            className="inline-flex items-center gap-2 px-4 py-2 bg-slate-800 hover:bg-slate-700 text-slate-300 hover:text-white text-sm font-medium rounded-lg transition-colors focus:outline-none focus:ring-2 focus:ring-slate-500/20"
+          >
+            Limpiar Todas
+          </button>
+        </div>
+
+        {/* Alert Panel */}
+        <div className="w-full">
+          <AlertPanel />
+        </div>
+      </div>
+    </DashboardLayout>
+  )
+}

app/api/auth/login/route.ts

@@ -0,0 +1,54 @@
+import { NextResponse } from 'next/server';
+import { findUser, verifyPassword, createSession } from '@/lib/auth';
+import { generateOTP } from '@/lib/otp';
+import TelegramBot from 'node-telegram-bot-api';
+
+const BOT_TOKEN = process.env.TELEGRAM_BOT_TOKEN;
+
+async function sendTelegramOTP(chatId: string, otp: string) {
+  if (!BOT_TOKEN) return false;
+  try {
+    const bot = new TelegramBot(BOT_TOKEN, { polling: false });
+    await bot.sendMessage(chatId, `🔐 *Código de Acceso Finanzas*\n\nTu código es: \`${otp}\`\n\nSi no intentaste ingresar, ignora este mensaje.`, { parse_mode: 'Markdown' });
+    return true;
+  } catch (e) {
+    console.error('Telegram send error:', e);
+    return false;
+  }
+}
+
+export async function POST(req: Request) {
+  try {
+    const { username, password } = await req.json();
+    const ip = req.headers.get('x-forwarded-for')?.split(',')[0].trim() || 'unknown';
+
+    const user = findUser(username);
+
+    if (!user || !(await verifyPassword(password, user.passwordHash))) {
+      return NextResponse.json({ error: 'Credenciales inválidas' }, { status: 401 });
+    }
+
+    // Check IP
+    const isKnownIp = user.knownIps.includes(ip);
+
+    if (isKnownIp) {
+      // Login success directly
+      await createSession(user);
+      return NextResponse.json({ success: true, requireOtp: false });
+    } else {
+      // Require OTP
+      const otp = generateOTP(user.username);
+      
+      const sent = await sendTelegramOTP(user.chatId, otp);
+      
+      if (!sent) {
+        return NextResponse.json({ error: 'No se pudo enviar el código OTP a Telegram' }, { status: 500 });
+      }
+
+      return NextResponse.json({ success: true, requireOtp: true });
+    }
+  } catch (error) {
+    console.error('Login error:', error);
+    return NextResponse.json({ error: 'Error interno' }, { status: 500 });
+  }
+}

app/api/auth/logout/route.ts

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+import { NextResponse } from 'next/server';
+import { destroySession } from '@/lib/auth';
+
+export async function POST() {
+  destroySession();
+  return NextResponse.json({ success: true });
+}

app/api/auth/register/route.ts

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+import { NextResponse } from 'next/server';
+import { saveUser, findUser, hashPassword, createSession } from '@/lib/auth';
+import { randomUUID } from 'crypto';
+
+export async function POST(req: Request) {
+  try {
+    const { username, password, chatId } = await req.json();
+
+    if (!username || !password || !chatId) {
+      return NextResponse.json({ error: 'Faltan datos requeridos' }, { status: 400 });
+    }
+
+    if (findUser(username)) {
+      return NextResponse.json({ error: 'El usuario ya existe' }, { status: 409 });
+    }
+
+    // Hash password
+    const passwordHash = await hashPassword(password);
+    
+    // Get IP
+    const ip = req.headers.get('x-forwarded-for') || '127.0.0.1';
+
+    const newUser = {
+      id: randomUUID(),
+      username,
+      passwordHash,
+      chatId,
+      knownIps: [ip] // Register current IP as known initially
+    };
+
+    saveUser(newUser);
+
+    // Auto login after register
+    await createSession(newUser);
+
+    return NextResponse.json({ success: true });
+  } catch (error) {
+    console.error('Register error:', error);
+    return NextResponse.json({ error: 'Error interno del servidor' }, { status: 500 });
+  }
+}

app/api/auth/verify-otp/route.ts

@@ -0,0 +1,34 @@
+import { NextResponse } from 'next/server';
+import { findUser, saveUser, createSession } from '@/lib/auth';
+import { verifyOTP } from '@/lib/otp';
+
+export async function POST(req: Request) {
+  try {
+    const { username, otp } = await req.json();
+    const ip = req.headers.get('x-forwarded-for')?.split(',')[0].trim() || 'unknown';
+
+    if (!verifyOTP(username, otp)) {
+      return NextResponse.json({ error: 'Código inválido o expirado' }, { status: 401 });
+    }
+
+    const user = findUser(username);
+    if (!user) {
+        return NextResponse.json({ error: 'Usuario no encontrado' }, { status: 404 });
+    }
+
+    // Add IP to known list if not exists
+    if (!user.knownIps.includes(ip) && ip !== 'unknown') {
+      user.knownIps.push(ip);
+      saveUser(user);
+    }
+
+    // Login success
+    await createSession(user);
+
+    return NextResponse.json({ success: true });
+
+  } catch (error) {
+    console.error('OTP Verify error:', error);
+    return NextResponse.json({ error: 'Error interno' }, { status: 500 });
+  }
+}

app/api/proxy/models/route.ts

@@ -0,0 +1,48 @@
+import { NextResponse } from 'next/server'
+
+export async function POST(request: Request) {
+    try {
+        const { endpoint, token } = await request.json()
+
+        if (!endpoint || !token) {
+            return NextResponse.json({ success: false, error: 'Faltan datos' }, { status: 400 })
+        }
+
+        // Try standard /v1/models endpoint
+        // If user provided "https://api.example.com/v1", we append "/models"
+        let targetUrl = endpoint
+        if (targetUrl.endsWith('/')) {
+            targetUrl = `${targetUrl}v1/models`
+        } else if (!targetUrl.endsWith('/models')) {
+            targetUrl = `${targetUrl}/v1/models`
+        }
+
+        const response = await fetch(targetUrl, {
+            method: 'GET',
+            headers: {
+                'Authorization': `Bearer ${token}`,
+                'x-api-key': token
+            }
+        })
+
+        if (!response.ok) {
+            const text = await response.text()
+            return NextResponse.json({ success: false, error: text }, { status: response.status })
+        }
+
+        const data = await response.json()
+        // Normalizing response: OpenAI/Anthropic usually return { data: [{ id: 'model-name' }, ...] }
+
+        let models: string[] = []
+        if (Array.isArray(data.data)) {
+            models = data.data.map((m: any) => m.id)
+        } else if (Array.isArray(data)) {
+            models = data.map((m: any) => m.id || m.model || m)
+        }
+
+        return NextResponse.json({ success: true, models })
+
+    } catch (error: any) {
+        return NextResponse.json({ success: false, error: error.message }, { status: 500 })
+    }
+}

app/api/settings/route.ts

@@ -0,0 +1,48 @@
+import { NextResponse } from 'next/server'
+import fs from 'fs'
+import path from 'path'
+import { AppSettings } from '@/lib/types'
+
+const SETTINGS_FILE = path.join(process.cwd(), 'server-settings.json')
+
+const DEFAULT_SETTINGS: AppSettings = {
+    telegram: {
+        botToken: '',
+        chatId: '',
+    },
+    aiProviders: [],
+}
+
+export async function GET() {
+    try {
+        if (!fs.existsSync(SETTINGS_FILE)) {
+            return NextResponse.json(DEFAULT_SETTINGS)
+        }
+        const data = fs.readFileSync(SETTINGS_FILE, 'utf8')
+        const settings = JSON.parse(data)
+        return NextResponse.json(settings)
+    } catch (error) {
+        console.error('Error reading settings:', error)
+        return NextResponse.json(DEFAULT_SETTINGS, { status: 500 })
+    }
+}
+
+export async function POST(request: Request) {
+    try {
+        const body = await request.json()
+        // Basic validation could go here
+        const settings: AppSettings = {
+            telegram: {
+                botToken: body.telegram?.botToken || '',
+                chatId: body.telegram?.chatId || ''
+            },
+            aiProviders: Array.isArray(body.aiProviders) ? body.aiProviders : []
+        }
+
+        fs.writeFileSync(SETTINGS_FILE, JSON.stringify(settings, null, 2))
+        return NextResponse.json({ success: true, settings })
+    } catch (error) {
+        console.error('Error saving settings:', error)
+        return NextResponse.json({ success: false, error: 'Failed to save settings' }, { status: 500 })
+    }
+}

app/api/sync/route.ts

@@ -0,0 +1,28 @@
+import { NextResponse } from 'next/server';
+import { getDatabase, saveDatabase } from '@/lib/server-db';
+import { verifySession } from '@/lib/auth';
+
+export async function GET() {
+  const session = await verifySession();
+  if (!session) {
+    return NextResponse.json({ error: 'Unauthorized' }, { status: 401 });
+  }
+
+  const data = getDatabase(session.username);
+  return NextResponse.json(data);
+}
+
+export async function POST(req: Request) {
+  const session = await verifySession();
+  if (!session) {
+    return NextResponse.json({ error: 'Unauthorized' }, { status: 401 });
+  }
+
+  try {
+    const body = await req.json();
+    saveDatabase(session.username, body);
+    return NextResponse.json({ success: true });
+  } catch (error) {
+    return NextResponse.json({ error: 'Invalid Data' }, { status: 400 });
+  }
+}

app/api/test/ai/route.ts

@@ -0,0 +1,59 @@
+import { NextResponse } from 'next/server'
+
+export async function POST(request: Request) {
+    try {
+        const { endpoint, token, model } = await request.json()
+
+        if (!endpoint || !token) {
+            return NextResponse.json(
+                { success: false, error: 'Faltan credenciales (Endpoint o Token)' },
+                { status: 400 }
+            )
+        }
+
+        // Prepare target URL
+        let targetUrl = endpoint
+        if (!targetUrl.endsWith('/messages') && !targetUrl.endsWith('/chat/completions')) {
+            targetUrl = targetUrl.endsWith('/') ? `${targetUrl}v1/messages` : `${targetUrl}/v1/messages`
+        }
+
+        const start = Date.now()
+
+        // Payload for Anthropic /v1/messages
+        const body = {
+            model: model || "gpt-3.5-turbo", // Fallback if no model selected
+            messages: [{ role: "user", content: "Ping" }],
+            max_tokens: 10
+        }
+
+        const response = await fetch(targetUrl, {
+            method: 'POST',
+            headers: {
+                'Content-Type': 'application/json',
+                'x-api-key': token,
+                'anthropic-version': '2023-06-01',
+                'Authorization': `Bearer ${token}`
+            },
+            body: JSON.stringify(body)
+        })
+
+        const duration = Date.now() - start
+
+        if (!response.ok) {
+            const text = await response.text()
+            return NextResponse.json(
+                { success: false, error: `Error ${response.status}: ${text.slice(0, 100)}` },
+                { status: response.status }
+            )
+        }
+
+        return NextResponse.json({ success: true, latency: duration })
+
+    } catch (error: any) {
+        console.error('AI Test Error:', error)
+        return NextResponse.json(
+            { success: false, error: error.message || 'Error de conexión' },
+            { status: 500 }
+        )
+    }
+}

app/api/test/telegram/route.ts

@@ -0,0 +1,45 @@
+import { NextResponse } from 'next/server'
+
+export async function POST(request: Request) {
+    try {
+        const { botToken, chatId } = await request.json()
+
+        if (!botToken || !chatId) {
+            return NextResponse.json(
+                { success: false, error: 'Faltan credenciales (Token o Chat ID)' },
+                { status: 400 }
+            )
+        }
+
+        const message = "🤖 *Prueba de Conexión*\n\n¡Hola! Si lees esto, tu bot de Finanzas está correctamente configurado. 🚀"
+
+        const url = `https://api.telegram.org/bot${botToken}/sendMessage`
+        const response = await fetch(url, {
+            method: 'POST',
+            headers: { 'Content-Type': 'application/json' },
+            body: JSON.stringify({
+                chat_id: chatId,
+                text: message,
+                parse_mode: 'Markdown'
+            })
+        })
+
+        const data = await response.json()
+
+        if (!data.ok) {
+            return NextResponse.json(
+                { success: false, error: data.description || 'Error desconocido de Telegram' },
+                { status: 500 }
+            )
+        }
+
+        return NextResponse.json({ success: true, data })
+
+    } catch (error: any) {
+        console.error('Telegram Test Error:', error)
+        return NextResponse.json(
+            { success: false, error: error.message || 'Error interno del servidor' },
+            { status: 500 }
+        )
+    }
+}

app/budget/page.tsx

@@ -0,0 +1,12 @@
+'use client'
+
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+import { BudgetSection } from '@/components/budget'
+
+export default function BudgetPage() {
+  return (
+    <DashboardLayout title="Presupuesto">
+      <BudgetSection />
+    </DashboardLayout>
+  )
+}

app/cards/page.tsx

@@ -0,0 +1,12 @@
+'use client';
+
+import { DashboardLayout } from '@/components/layout/DashboardLayout';
+import { CardSection } from '@/components/cards';
+
+export default function CardsPage() {
+  return (
+    <DashboardLayout title="Tarjetas de Crédito">
+      <CardSection />
+    </DashboardLayout>
+  );
+}

app/debts/page.tsx

@@ -0,0 +1,12 @@
+'use client'
+
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+import { DebtSection } from '@/components/debts'
+
+export default function DebtsPage() {
+  return (
+    <DashboardLayout title="Deudas">
+      <DebtSection />
+    </DashboardLayout>
+  )
+}

app/globals.css

@@ -0,0 +1,308 @@
+@tailwind base;
+@tailwind components;
+@tailwind utilities;
+
+:root {
+  /* Base Colors - Dark Theme (slate/emerald) */
+  --background: 222 47% 11%;
+  --foreground: 210 40% 98%;
+
+  /* Card Colors */
+  --card: 217 33% 17%;
+  --card-foreground: 210 40% 98%;
+
+  /* Popover Colors */
+  --popover: 217 33% 17%;
+  --popover-foreground: 210 40% 98%;
+
+  /* Primary - Emerald */
+  --primary: 160 84% 39%;
+  --primary-foreground: 210 40% 98%;
+
+  /* Secondary */
+  --secondary: 217 33% 17%;
+  --secondary-foreground: 210 40% 98%;
+
+  /* Muted */
+  --muted: 217 33% 17%;
+  --muted-foreground: 215 20% 65%;
+
+  /* Accent */
+  --accent: 217 33% 17%;
+  --accent-foreground: 210 40% 98%;
+
+  /* Destructive */
+  --destructive: 0 84% 60%;
+  --destructive-foreground: 210 40% 98%;
+
+  /* Border & Input */
+  --border: 215 28% 25%;
+  --input: 215 28% 25%;
+
+  /* Ring - Emerald */
+  --ring: 160 84% 39%;
+
+  /* Radius */
+  --radius: 0.5rem;
+}
+
+
+
+/* Base Styles */
+html {
+  scroll-behavior: smooth;
+}
+
+body {
+  background-color: hsl(var(--background));
+  color: hsl(var(--foreground));
+  font-feature-settings: "rlig" 1, "calt" 1;
+  -webkit-font-smoothing: antialiased;
+  -moz-osx-font-smoothing: grayscale;
+}
+
+/* Input Styles */
+input,
+textarea,
+select {
+  background-color: hsl(var(--card));
+  border-color: hsl(var(--border));
+  color: hsl(var(--foreground));
+}
+
+input::placeholder,
+textarea::placeholder {
+  color: hsl(var(--muted-foreground));
+}
+
+/* Selection */
+::selection {
+  background-color: hsl(160 84% 39% / 0.3);
+  color: hsl(var(--foreground));
+}
+
+/* Focus Ring */
+:focus-visible {
+  outline: none;
+  ring: 2px;
+  ring-color: hsl(var(--ring));
+  ring-offset: 2px;
+  ring-offset-color: hsl(var(--background));
+}
+
+/* Custom Scrollbar */
+::-webkit-scrollbar {
+  width: 8px;
+  height: 8px;
+}
+
+::-webkit-scrollbar-track {
+  background: hsl(var(--background));
+}
+
+::-webkit-scrollbar-thumb {
+  background: hsl(var(--border));
+  border-radius: 4px;
+}
+
+::-webkit-scrollbar-thumb:hover {
+  background: hsl(var(--muted-foreground) / 0.5);
+}
+
+/* Firefox Scrollbar */
+* {
+  scrollbar-width: thin;
+  scrollbar-color: hsl(var(--border)) hsl(var(--background));
+}
+
+/* Utility Classes */
+.gradient-text {
+  background: linear-gradient(135deg, hsl(160 84% 39%) 0%, hsl(168 76% 42%) 100%);
+  -webkit-background-clip: text;
+  -webkit-text-fill-color: transparent;
+  background-clip: text;
+}
+
+.glass-card {
+  background: hsl(var(--card) / 0.8);
+  backdrop-filter: blur(12px);
+  -webkit-backdrop-filter: blur(12px);
+  border: 1px solid hsl(var(--border) / 0.5);
+}
+
+.text-balance {
+  text-wrap: balance;
+}
+
+/* Loading States */
+.skeleton {
+  background: linear-gradient(
+    90deg,
+    hsl(var(--muted)) 25%,
+    hsl(var(--muted-foreground) / 0.3) 50%,
+    hsl(var(--muted)) 75%
+  );
+  background-size: 200% 100%;
+  animation: skeleton-pulse 1.5s ease-in-out infinite;
+  border-radius: var(--radius);
+}
+
+@keyframes skeleton-pulse {
+  0% {
+    background-position: 200% 0;
+  }
+  100% {
+    background-position: -200% 0;
+  }
+}
+
+.spinner {
+  width: 24px;
+  height: 24px;
+  border: 2px solid hsl(var(--border));
+  border-top-color: hsl(var(--primary));
+  border-radius: 50%;
+  animation: spin 0.8s linear infinite;
+}
+
+.spinner-sm {
+  width: 16px;
+  height: 16px;
+  border-width: 2px;
+}
+
+.spinner-lg {
+  width: 32px;
+  height: 32px;
+  border-width: 3px;
+}
+
+@keyframes spin {
+  to {
+    transform: rotate(360deg);
+  }
+}
+
+/* Animations */
+@keyframes fadeIn {
+  from {
+    opacity: 0;
+  }
+  to {
+    opacity: 1;
+  }
+}
+
+@keyframes fadeInUp {
+  from {
+    opacity: 0;
+    transform: translateY(10px);
+  }
+  to {
+    opacity: 1;
+    transform: translateY(0);
+  }
+}
+
+@keyframes fadeInDown {
+  from {
+    opacity: 0;
+    transform: translateY(-10px);
+  }
+  to {
+    opacity: 1;
+    transform: translateY(0);
+  }
+}
+
+@keyframes slideInLeft {
+  from {
+    opacity: 0;
+    transform: translateX(-20px);
+  }
+  to {
+    opacity: 1;
+    transform: translateX(0);
+  }
+}
+
+@keyframes slideInRight {
+  from {
+    opacity: 0;
+    transform: translateX(20px);
+  }
+  to {
+    opacity: 1;
+    transform: translateX(0);
+  }
+}
+
+@keyframes pulse-slow {
+  0%,
+  100% {
+    opacity: 1;
+  }
+  50% {
+    opacity: 0.5;
+  }
+}
+
+@keyframes bounce-slight {
+  0%,
+  100% {
+    transform: translateY(0);
+  }
+  50% {
+    transform: translateY(-3px);
+  }
+}
+
+/* Animation Utility Classes */
+.animate-fade-in {
+  animation: fadeIn 0.3s ease-out forwards;
+}
+
+.animate-fade-in-up {
+  animation: fadeInUp 0.3s ease-out forwards;
+}
+
+.animate-fade-in-down {
+  animation: fadeInDown 0.3s ease-out forwards;
+}
+
+.animate-slide-in-left {
+  animation: slideInLeft 0.3s ease-out forwards;
+}
+
+.animate-slide-in-right {
+  animation: slideInRight 0.3s ease-out forwards;
+}
+
+.animate-pulse-slow {
+  animation: pulse-slow 2s ease-in-out infinite;
+}
+
+.animate-bounce-slight {
+  animation: bounce-slight 1s ease-in-out infinite;
+}
+
+/* Stagger Animation Delays */
+.stagger-1 { animation-delay: 0.05s; }
+.stagger-2 { animation-delay: 0.1s; }
+.stagger-3 { animation-delay: 0.15s; }
+.stagger-4 { animation-delay: 0.2s; }
+.stagger-5 { animation-delay: 0.25s; }
+.stagger-6 { animation-delay: 0.3s; }
+.stagger-7 { animation-delay: 0.35s; }
+.stagger-8 { animation-delay: 0.4s; }
+
+/* Reduced Motion */
+@media (prefers-reduced-motion: reduce) {
+  *,
+  *::before,
+  *::after {
+    animation-duration: 0.01ms !important;
+    animation-iteration-count: 1 !important;
+    transition-duration: 0.01ms !important;
+  }
+}

app/incomes/page.tsx

@@ -0,0 +1,165 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { Plus, Trash2, TrendingUp, DollarSign } from 'lucide-react'
+import { format } from 'date-fns'
+import { es } from 'date-fns/locale'
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+
+export default function IncomesPage() {
+  const incomes = useFinanzasStore((state) => state.incomes) || []
+  const addIncome = useFinanzasStore((state) => state.addIncome)
+  const removeIncome = useFinanzasStore((state) => state.removeIncome)
+
+  const [newIncome, setNewIncome] = useState({
+    amount: '',
+    description: '',
+    category: 'salary' as const,
+  })
+
+  const handleAdd = () => {
+    if (!newIncome.amount || !newIncome.description) return
+
+    addIncome({
+      amount: parseFloat(newIncome.amount),
+      description: newIncome.description,
+      category: newIncome.category,
+      date: new Date().toISOString(),
+    })
+    setNewIncome({ amount: '', description: '', category: 'salary' })
+  }
+
+  const totalIncomes = incomes.reduce((acc, curr) => acc + curr.amount, 0)
+
+  return (
+    <DashboardLayout title="Ingresos">
+      <div className="space-y-6">
+        <div className="flex items-center justify-between">
+          <h2 className="text-3xl font-bold flex items-center gap-2 text-white">
+            <TrendingUp className="text-green-500" /> Ingresos
+          </h2>
+          <div className="text-right">
+            <p className="text-sm text-gray-400">Total Acumulado</p>
+            <p className="text-2xl font-bold text-green-400">
+              ${totalIncomes.toLocaleString()}
+            </p>
+          </div>
+        </div>
+
+        <div className="grid md:grid-cols-3 gap-6">
+          {/* Formulario */}
+          <div className="bg-slate-800 border border-slate-700 rounded-xl md:col-span-1 h-fit overflow-hidden">
+            <div className="p-6 border-b border-slate-700">
+              <h3 className="font-semibold text-lg text-white">Nuevo Ingreso</h3>
+            </div>
+            <div className="p-6 space-y-4">
+              <div>
+                <label className="text-sm text-gray-400 block mb-2">Descripción</label>
+                <input
+                  placeholder="Ej. Pago Freelance"
+                  value={newIncome.description}
+                  onChange={(e) =>
+                    setNewIncome({ ...newIncome, description: e.target.value })
+                  }
+                  className="w-full bg-slate-700 border-slate-600 border rounded-lg px-3 py-2 text-white focus:outline-none focus:ring-2 focus:ring-emerald-500"
+                />
+              </div>
+              <div>
+                <label className="text-sm text-gray-400 block mb-2">Monto</label>
+                <div className="relative">
+                  <DollarSign className="absolute left-3 top-2.5 h-4 w-4 text-gray-400" />
+                  <input
+                    type="number"
+                    placeholder="0.00"
+                    value={newIncome.amount}
+                    onChange={(e) =>
+                      setNewIncome({ ...newIncome, amount: e.target.value })
+                    }
+                    className="w-full pl-9 bg-slate-700 border-slate-600 border rounded-lg px-3 py-2 text-white focus:outline-none focus:ring-2 focus:ring-emerald-500"
+                  />
+                </div>
+              </div>
+              <div>
+                <label className="text-sm text-gray-400 block mb-2">Categoría</label>
+                <select
+                  className="w-full bg-slate-700 border border-slate-600 rounded-lg px-3 py-2 text-sm text-white focus:outline-none focus:ring-2 focus:ring-emerald-500"
+                  value={newIncome.category}
+                  onChange={(e) =>
+                    setNewIncome({
+                      ...newIncome,
+                      category: e.target.value as any,
+                    })
+                  }
+                >
+                  <option value="salary">Salario</option>
+                  <option value="freelance">Freelance</option>
+                  <option value="business">Negocio</option>
+                  <option value="gift">Regalo</option>
+                  <option value="other">Otro</option>
+                </select>
+              </div>
+              <button
+                onClick={handleAdd}
+                className="w-full bg-emerald-600 hover:bg-emerald-700 text-white font-semibold py-2 px-4 rounded-lg flex items-center justify-center gap-2 transition-colors"
+              >
+                <Plus className="w-4 h-4" /> Agregar Ingreso
+              </button>
+            </div>
+          </div>
+
+          {/* Lista */}
+          <div className="bg-slate-800 border border-slate-700 rounded-xl md:col-span-2 overflow-hidden">
+            <div className="p-6 border-b border-slate-700">
+              <h3 className="font-semibold text-lg text-white">Historial de Ingresos</h3>
+            </div>
+            <div className="p-6">
+              {incomes.length === 0 ? (
+                <p className="text-center text-gray-500 py-8">
+                  No hay ingresos registrados aún.
+                </p>
+              ) : (
+                <div className="space-y-4">
+                  {incomes
+                    .sort(
+                      (a, b) =>
+                        new Date(b.date).getTime() - new Date(a.date).getTime()
+                    )
+                    .map((income) => (
+                      <div
+                        key={income.id}
+                        className="flex items-center justify-between p-4 bg-slate-700/50 rounded-lg border border-slate-700 hover:border-slate-600 transition-colors"
+                      >
+                        <div>
+                          <p className="font-semibold text-white">
+                            {income.description}
+                          </p>
+                          <p className="text-xs text-gray-400 capitalize">
+                            {income.category} •{' '}
+                            {format(new Date(income.date), "d 'de' MMMM", {
+                              locale: es,
+                            })}
+                          </p>
+                        </div>
+                        <div className="flex items-center gap-4">
+                          <span className="text-emerald-400 font-mono font-bold">
+                            +${income.amount.toLocaleString()}
+                          </span>
+                          <button
+                            onClick={() => removeIncome(income.id)}
+                            className="text-slate-500 hover:text-red-400 transition-colors"
+                          >
+                            <Trash2 className="w-4 h-4" />
+                          </button>
+                        </div>
+                      </div>
+                    ))}
+                </div>
+              )}
+            </div>
+          </div>
+        </div>
+      </div>
+    </DashboardLayout>
+  )
+}

app/layout.tsx

@@ -0,0 +1,30 @@
+import type { Metadata } from "next";
+import { Inter } from "next/font/google";
+import "./globals.css";
+import { Providers } from "./providers";
+
+const inter = Inter({
+  subsets: ["latin"],
+  variable: "--font-inter",
+  display: "swap",
+});
+
+export const metadata: Metadata = {
+  title: "Finanzas Personales",
+  description: "Gestiona tus finanzas personales de forma inteligente",
+  keywords: ["finanzas", "presupuesto", "gastos", "ingresos", "ahorro"],
+};
+
+export default function RootLayout({
+  children,
+}: Readonly<{
+  children: React.ReactNode;
+}>) {
+  return (
+    <html lang="es" className={inter.variable} suppressHydrationWarning>
+      <body className={`${inter.className} antialiased min-h-screen bg-slate-950 text-slate-50`}>
+        <Providers>{children}</Providers>
+      </body>
+    </html>
+  );
+}

app/login/page.tsx

@@ -0,0 +1,193 @@
+'use client';
+
+import { useState } from 'react';
+import { useRouter } from 'next/navigation';
+import { Lock, User, Key, ArrowRight, ShieldCheck, Loader2 } from 'lucide-react';
+import Link from 'next/link';
+
+export default function LoginPage() {
+  const router = useRouter();
+  const [step, setStep] = useState<'credentials' | 'otp'>('credentials');
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState('');
+  
+  const [formData, setFormData] = useState({
+    username: '',
+    password: '',
+    otp: ''
+  });
+
+  const handleLogin = async (e: React.FormEvent) => {
+    e.preventDefault();
+    setLoading(true);
+    setError('');
+
+    try {
+      const res = await fetch('/api/auth/login', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ username: formData.username, password: formData.password })
+      });
+
+      const data = await res.json();
+
+      if (!res.ok) throw new Error(data.error || 'Error al iniciar sesión');
+
+      if (data.requireOtp) {
+        setStep('otp');
+      } else {
+        router.push('/');
+        router.refresh();
+      }
+    } catch (err: any) {
+      setError(err.message);
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  const handleVerifyOtp = async (e: React.FormEvent) => {
+    e.preventDefault();
+    setLoading(true);
+    setError('');
+
+    try {
+      const res = await fetch('/api/auth/verify-otp', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({ username: formData.username, otp: formData.otp })
+      });
+
+      const data = await res.json();
+
+      if (!res.ok) throw new Error(data.error || 'Código incorrecto');
+
+      router.push('/');
+      router.refresh();
+    } catch (err: any) {
+      setError(err.message);
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  return (
+    <div className="min-h-screen bg-slate-950 flex items-center justify-center p-4">
+      <div className="w-full max-w-md bg-slate-900 border border-slate-800 rounded-2xl shadow-xl overflow-hidden">
+        {/* Header */}
+        <div className="bg-slate-950/50 p-6 text-center border-b border-slate-800">
+          <div className="mx-auto w-12 h-12 bg-emerald-500/10 rounded-xl flex items-center justify-center mb-4">
+            <Lock className="w-6 h-6 text-emerald-500" />
+          </div>
+          <h1 className="text-2xl font-bold text-white mb-1">Bienvenido</h1>
+          <p className="text-slate-400 text-sm">Sistema de Finanzas Personales</p>
+        </div>
+
+        <div className="p-6">
+          {error && (
+            <div className="mb-6 p-3 bg-red-500/10 border border-red-500/20 rounded-lg text-red-400 text-sm text-center">
+              {error}
+            </div>
+          )}
+
+          {step === 'credentials' ? (
+            <form onSubmit={handleLogin} className="space-y-4">
+              <div className="space-y-2">
+                <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Usuario</label>
+                <div className="relative">
+                  <User className="absolute left-3 top-2.5 w-5 h-5 text-slate-500" />
+                  <input
+                    type="text"
+                    required
+                    value={formData.username}
+                    onChange={e => setFormData({...formData, username: e.target.value})}
+                    className="w-full pl-10 pr-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500 outline-none transition-all placeholder:text-slate-600"
+                    placeholder="Ingresa tu usuario"
+                  />
+                </div>
+              </div>
+
+              <div className="space-y-2">
+                <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Contraseña</label>
+                <div className="relative">
+                  <Key className="absolute left-3 top-2.5 w-5 h-5 text-slate-500" />
+                  <input
+                    type="password"
+                    required
+                    value={formData.password}
+                    onChange={e => setFormData({...formData, password: e.target.value})}
+                    className="w-full pl-10 pr-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white focus:ring-2 focus:ring-emerald-500 focus:border-emerald-500 outline-none transition-all placeholder:text-slate-600"
+                    placeholder="••••••••"
+                  />
+                </div>
+              </div>
+
+              <button
+                type="submit"
+                disabled={loading}
+                className="w-full bg-emerald-600 hover:bg-emerald-500 text-white font-medium py-2.5 rounded-lg transition-colors flex items-center justify-center gap-2 disabled:opacity-50 disabled:cursor-not-allowed mt-2"
+              >
+                {loading ? <Loader2 className="animate-spin w-5 h-5" /> : (
+                  <>
+                    Ingresar <ArrowRight className="w-4 h-4" />
+                  </>
+                )}
+              </button>
+            </form>
+          ) : (
+            <form onSubmit={handleVerifyOtp} className="space-y-4 animate-in slide-in-from-right-8 fade-in duration-300">
+              <div className="text-center mb-6">
+                <div className="inline-flex items-center justify-center w-16 h-16 bg-blue-500/10 rounded-full mb-4">
+                  <ShieldCheck className="w-8 h-8 text-blue-500" />
+                </div>
+                <h3 className="text-lg font-medium text-white">Verificación de Identidad</h3>
+                <p className="text-slate-400 text-sm mt-1">
+                  Hemos enviado un código a tu Telegram.
+                  <br />Ingrésalo para continuar.
+                </p>
+              </div>
+
+              <div className="space-y-2">
+                <input
+                  type="text"
+                  required
+                  autoFocus
+                  maxLength={6}
+                  value={formData.otp}
+                  onChange={e => setFormData({...formData, otp: e.target.value.replace(/\D/g, '')})}
+                  className="w-full text-center text-2xl tracking-[0.5em] font-mono py-3 bg-slate-950 border border-slate-800 rounded-lg text-white focus:ring-2 focus:ring-blue-500 focus:border-blue-500 outline-none transition-all"
+                  placeholder="000000"
+                />
+              </div>
+
+              <button
+                type="submit"
+                disabled={loading || formData.otp.length !== 6}
+                className="w-full bg-blue-600 hover:bg-blue-500 text-white font-medium py-2.5 rounded-lg transition-colors flex items-center justify-center gap-2 disabled:opacity-50 disabled:cursor-not-allowed"
+              >
+                {loading ? <Loader2 className="animate-spin w-5 h-5" /> : 'Verificar Código'}
+              </button>
+              
+              <button
+                type="button"
+                onClick={() => setStep('credentials')}
+                className="w-full text-slate-500 text-sm hover:text-slate-300 transition-colors"
+              >
+                Volver atrás
+              </button>
+            </form>
+          )}
+        </div>
+
+        <div className="bg-slate-950/50 p-4 text-center border-t border-slate-800">
+          <p className="text-slate-500 text-sm">
+            ¿No tienes cuenta?{' '}
+            <Link href="/register" className="text-emerald-500 hover:text-emerald-400 font-medium hover:underline">
+              Regístrate aquí
+            </Link>
+          </p>
+        </div>
+      </div>
+    </div>
+  );
+}

app/page.tsx

@@ -0,0 +1,94 @@
+'use client'
+
+import { useEffect, useState } from 'react'
+import { SummarySection, QuickActions, RecentActivity } from '@/components/dashboard'
+import { useFinanzasStore } from '@/lib/store'
+import { AlertBanner, useAlerts } from '@/components/alerts'
+import { AddDebtModal } from '@/components/modals/AddDebtModal'
+import { AddCardModal } from '@/components/modals/AddCardModal'
+import { AddPaymentModal } from '@/components/modals/AddPaymentModal'
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+
+export default function Home() {
+  // Datos del store
+  const markAlertAsRead = useFinanzasStore((state) => state.markAlertAsRead)
+  const deleteAlert = useFinanzasStore((state) => state.deleteAlert)
+
+  // Alertas
+  const { unreadAlerts, regenerateAlerts } = useAlerts()
+
+  // Estados locales para modales
+  const [isAddDebtModalOpen, setIsAddDebtModalOpen] = useState(false)
+  const [isAddCardModalOpen, setIsAddCardModalOpen] = useState(false)
+  const [isAddPaymentModalOpen, setIsAddPaymentModalOpen] = useState(false)
+
+  // Efecto para regenerar alertas al cargar la página
+  useEffect(() => {
+    regenerateAlerts()
+  }, [regenerateAlerts])
+
+  // Handlers para modales
+  const handleAddDebt = () => {
+    setIsAddDebtModalOpen(true)
+  }
+
+  const handleAddCard = () => {
+    setIsAddCardModalOpen(true)
+  }
+
+  const handleAddPayment = () => {
+    setIsAddPaymentModalOpen(true)
+  }
+
+  // Primeras 3 alertas no leídas
+  const topAlerts = unreadAlerts.slice(0, 3)
+
+  return (
+    <DashboardLayout title="Dashboard">
+      <div className="space-y-6">
+        {/* Alertas destacadas */}
+        {topAlerts.length > 0 && (
+          <div className="space-y-3">
+            {topAlerts.map((alert) => (
+              <AlertBanner
+                key={alert.id}
+                alert={alert}
+                onDismiss={() => deleteAlert(alert.id)}
+                onMarkRead={() => markAlertAsRead(alert.id)}
+              />
+            ))}
+          </div>
+        )}
+
+        {/* Sección de resumen */}
+        <SummarySection />
+
+        {/* Acciones rápidas */}
+        <QuickActions
+          onAddDebt={handleAddDebt}
+          onAddCard={handleAddCard}
+          onAddPayment={handleAddPayment}
+        />
+
+        {/* Actividad reciente */}
+        <RecentActivity limit={5} />
+      </div>
+
+      {/* Modales */}
+      <AddDebtModal
+        isOpen={isAddDebtModalOpen}
+        onClose={() => setIsAddDebtModalOpen(false)}
+      />
+
+      <AddCardModal
+        isOpen={isAddCardModalOpen}
+        onClose={() => setIsAddCardModalOpen(false)}
+      />
+
+      <AddPaymentModal
+        isOpen={isAddPaymentModalOpen}
+        onClose={() => setIsAddPaymentModalOpen(false)}
+      />
+    </DashboardLayout>
+  )
+}

app/providers.tsx

@@ -0,0 +1,43 @@
+"use client";
+
+import { createContext, useContext, useState, ReactNode } from "react";
+import { DataSync } from "@/components/DataSync";
+
+interface SidebarContextType {
+  isOpen: boolean;
+  toggle: () => void;
+  close: () => void;
+  open: () => void;
+}
+
+const SidebarContext = createContext<SidebarContextType | undefined>(undefined);
+
+export function Providers({ children }: { children: ReactNode }) {
+  const [isSidebarOpen, setIsSidebarOpen] = useState(true);
+
+  const toggleSidebar = () => setIsSidebarOpen((prev) => !prev);
+  const closeSidebar = () => setIsSidebarOpen(false);
+  const openSidebar = () => setIsSidebarOpen(true);
+
+  return (
+    <SidebarContext.Provider
+      value={{
+        isOpen: isSidebarOpen,
+        toggle: toggleSidebar,
+        close: closeSidebar,
+        open: openSidebar,
+      }}
+    >
+      <DataSync />
+      {children}
+    </SidebarContext.Provider>
+  );
+}
+
+export function useSidebar() {
+  const context = useContext(SidebarContext);
+  if (context === undefined) {
+    throw new Error("useSidebar must be used within a Providers");
+  }
+  return context;
+}

app/register/page.tsx

@@ -0,0 +1,135 @@
+'use client';
+
+import { useState } from 'react';
+import { useRouter } from 'next/navigation';
+import { UserPlus, User, Key, MessageSquare, Loader2 } from 'lucide-react';
+import Link from 'next/link';
+
+export default function RegisterPage() {
+  const router = useRouter();
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState('');
+  
+  const [formData, setFormData] = useState({
+    username: '',
+    password: '',
+    chatId: ''
+  });
+
+  const handleRegister = async (e: React.FormEvent) => {
+    e.preventDefault();
+    setLoading(true);
+    setError('');
+
+    try {
+      const res = await fetch('/api/auth/register', {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify(formData)
+      });
+
+      const data = await res.json();
+
+      if (!res.ok) throw new Error(data.error || 'Error al registrarse');
+
+      router.push('/');
+      router.refresh();
+    } catch (err: any) {
+      setError(err.message);
+    } finally {
+      setLoading(false);
+    }
+  };
+
+  return (
+    <div className="min-h-screen bg-slate-950 flex items-center justify-center p-4">
+      <div className="w-full max-w-md bg-slate-900 border border-slate-800 rounded-2xl shadow-xl overflow-hidden">
+        {/* Header */}
+        <div className="bg-slate-950/50 p-6 text-center border-b border-slate-800">
+          <div className="mx-auto w-12 h-12 bg-blue-500/10 rounded-xl flex items-center justify-center mb-4">
+            <UserPlus className="w-6 h-6 text-blue-500" />
+          </div>
+          <h1 className="text-2xl font-bold text-white mb-1">Crear Cuenta</h1>
+          <p className="text-slate-400 text-sm">Configura tu acceso a Finanzas</p>
+        </div>
+
+        <div className="p-6">
+          {error && (
+            <div className="mb-6 p-3 bg-red-500/10 border border-red-500/20 rounded-lg text-red-400 text-sm text-center">
+              {error}
+            </div>
+          )}
+
+          <form onSubmit={handleRegister} className="space-y-4">
+            <div className="space-y-2">
+              <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Usuario</label>
+              <div className="relative">
+                <User className="absolute left-3 top-2.5 w-5 h-5 text-slate-500" />
+                <input
+                  type="text"
+                  required
+                  value={formData.username}
+                  onChange={e => setFormData({...formData, username: e.target.value})}
+                  className="w-full pl-10 pr-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white focus:ring-2 focus:ring-blue-500 focus:border-blue-500 outline-none transition-all placeholder:text-slate-600"
+                  placeholder="Elige un usuario"
+                />
+              </div>
+            </div>
+
+            <div className="space-y-2">
+              <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Contraseña</label>
+              <div className="relative">
+                <Key className="absolute left-3 top-2.5 w-5 h-5 text-slate-500" />
+                <input
+                  type="password"
+                  required
+                  value={formData.password}
+                  onChange={e => setFormData({...formData, password: e.target.value})}
+                  className="w-full pl-10 pr-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white focus:ring-2 focus:ring-blue-500 focus:border-blue-500 outline-none transition-all placeholder:text-slate-600"
+                  placeholder="Mínimo 6 caracteres"
+                  minLength={6}
+                />
+              </div>
+            </div>
+
+            <div className="space-y-2">
+              <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Telegram Chat ID</label>
+              <div className="relative">
+                <MessageSquare className="absolute left-3 top-2.5 w-5 h-5 text-slate-500" />
+                <input
+                  type="text"
+                  required
+                  value={formData.chatId}
+                  onChange={e => setFormData({...formData, chatId: e.target.value})}
+                  className="w-full pl-10 pr-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white focus:ring-2 focus:ring-blue-500 focus:border-blue-500 outline-none transition-all placeholder:text-slate-600"
+                  placeholder="Ej: 123456789"
+                />
+              </div>
+              <p className="text-[10px] text-slate-500 flex gap-1">
+                <span>ℹ️</span>
+                Envía /start a tu bot para obtener este ID.
+              </p>
+            </div>
+
+            <button
+              type="submit"
+              disabled={loading}
+              className="w-full bg-blue-600 hover:bg-blue-500 text-white font-medium py-2.5 rounded-lg transition-colors flex items-center justify-center gap-2 disabled:opacity-50 disabled:cursor-not-allowed mt-2"
+            >
+              {loading ? <Loader2 className="animate-spin w-5 h-5" /> : 'Registrar Cuenta'}
+            </button>
+          </form>
+        </div>
+
+        <div className="bg-slate-950/50 p-4 text-center border-t border-slate-800">
+          <p className="text-slate-500 text-sm">
+            ¿Ya tienes cuenta?{' '}
+            <Link href="/login" className="text-blue-500 hover:text-blue-400 font-medium hover:underline">
+              Inicia Sesión
+            </Link>
+          </p>
+        </div>
+      </div>
+    </div>
+  );
+}

app/services/page.tsx

@@ -0,0 +1,145 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { predictNextBill, calculateTrend } from '@/lib/predictions'
+import { formatCurrency } from '@/lib/utils'
+import { Zap, Droplets, Flame, Wifi, TrendingUp, TrendingDown, Plus, History } from 'lucide-react'
+import { cn } from '@/lib/utils'
+import { AddServiceModal } from '@/components/modals/AddServiceModal'
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+
+const SERVICES = [
+    { id: 'electricity', label: 'Luz (Electricidad)', icon: Zap, color: 'text-yellow-400', bg: 'bg-yellow-400/10' },
+    { id: 'water', label: 'Agua', icon: Droplets, color: 'text-blue-400', bg: 'bg-blue-400/10' },
+    { id: 'gas', label: 'Gas', icon: Flame, color: 'text-orange-400', bg: 'bg-orange-400/10' },
+    { id: 'internet', label: 'Internet', icon: Wifi, color: 'text-cyan-400', bg: 'bg-cyan-400/10' },
+]
+
+export default function ServicesPage() {
+    const serviceBills = useFinanzasStore((state) => state.serviceBills)
+    const [isAddModalOpen, setIsAddModalOpen] = useState(false)
+
+    return (
+        <DashboardLayout title="Servicios">
+            <div className="space-y-6">
+
+                {/* Header */}
+                <div className="flex flex-col sm:flex-row sm:items-center justify-between gap-4">
+                    <div>
+                        <h2 className="text-2xl font-bold text-white">Servicios y Predicciones</h2>
+                        <p className="text-slate-400 text-sm">Gestiona tus consumos de Luz, Agua y Gas.</p>
+                    </div>
+                    <button
+                        onClick={() => setIsAddModalOpen(true)}
+                        className="flex items-center gap-2 px-4 py-2 bg-cyan-500 hover:bg-cyan-400 text-white rounded-lg transition shadow-lg shadow-cyan-500/20 font-medium self-start sm:self-auto"
+                    >
+                        <Plus size={18} /> Nuevo Pago
+                    </button>
+                </div>
+
+                {/* Service Cards */}
+                <div className="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-4">
+                    {SERVICES.map((service) => {
+                        const Icon = service.icon
+                        const prediction = predictNextBill(serviceBills, service.id as any)
+                        const trend = calculateTrend(serviceBills, service.id as any)
+                        const lastBill = serviceBills
+                            .filter(b => b.type === service.id)
+                            .sort((a, b) => new Date(b.date).getTime() - new Date(a.date).getTime())[0]
+
+                        return (
+                            <div key={service.id} className="bg-slate-900 border border-slate-800 rounded-xl p-5 space-y-4">
+                                <div className="flex items-center justify-between">
+                                    <div className={cn("p-2 rounded-lg", service.bg)}>
+                                        <Icon className={cn("w-6 h-6", service.color)} />
+                                    </div>
+                                    {trend !== 0 && (
+                                        <div className={cn("flex items-center gap-1 text-xs font-medium px-2 py-1 rounded-full", trend > 0 ? "bg-red-500/10 text-red-400" : "bg-emerald-500/10 text-emerald-400")}>
+                                            {trend > 0 ? <TrendingUp size={12} /> : <TrendingDown size={12} />}
+                                            {Math.abs(trend).toFixed(0)}%
+                                        </div>
+                                    )}
+                                </div>
+
+                                <div>
+                                    <p className="text-slate-400 text-sm font-medium">{service.label}</p>
+                                    <div className="flex items-baseline gap-2">
+                                        <h3 className="text-2xl font-bold text-white mt-1">
+                                            {formatCurrency(prediction || (lastBill?.amount ?? 0))}
+                                        </h3>
+                                        {prediction > 0 && <span className="text-xs text-slate-500 font-mono">(est.)</span>}
+                                    </div>
+                                    <p className="text-xs text-slate-500 mt-1">
+                                        {lastBill
+                                            ? `Último: ${formatCurrency(lastBill.amount)}`
+                                            : 'Sin historial'}
+                                    </p>
+                                </div>
+                            </div>
+                        )
+                    })}
+                </div>
+
+                {/* History List */}
+                <div className="bg-slate-900 border border-slate-800 rounded-xl overflow-hidden">
+                    <div className="p-5 border-b border-slate-800 flex items-center gap-2">
+                        <History size={18} className="text-slate-400" />
+                        <h3 className="text-lg font-semibold text-white">Historial de Pagos</h3>
+                    </div>
+                    <div className="divide-y divide-slate-800">
+                        {serviceBills.length === 0 ? (
+                            <div className="p-8 text-center text-slate-500 text-sm">
+                                No hay facturas registradas. Comienza agregando una para ver predicciones.
+                            </div>
+                        ) : (
+                            serviceBills
+                                .sort((a, b) => new Date(b.date).getTime() - new Date(a.date).getTime())
+                                .map((bill) => {
+                                    const service = SERVICES.find(s => s.id === bill.type)
+                                    const Icon = service?.icon || Zap
+
+                                    return (
+                                        <div key={bill.id} className="p-4 flex items-center justify-between hover:bg-slate-800/50 transition-colors">
+                                            <div className="flex items-center gap-4">
+                                                <div className={cn("p-2 rounded-lg", service?.bg || 'bg-slate-800')}>
+                                                    <Icon className={cn("w-5 h-5", service?.color || 'text-slate-400')} />
+                                                </div>
+                                                <div>
+                                                    <p className="text-white font-medium capitalize">{service?.label || bill.type}</p>
+                                                    <div className="flex flex-col sm:flex-row sm:items-center gap-1 sm:gap-2">
+                                                        <p className="text-xs text-slate-500 capitalize">{new Date(bill.date).toLocaleDateString('es-AR', { dateStyle: 'long' })}</p>
+                                                        {bill.usage && (
+                                                            <>
+                                                                <span className="hidden sm:inline text-slate-700">•</span>
+                                                                <p className="text-xs text-slate-400">
+                                                                    Consumo: <span className="text-slate-300 font-medium">{bill.usage} {bill.unit}</span>
+                                                                </p>
+                                                            </>
+                                                        )}
+                                                    </div>
+                                                </div>
+                                            </div>
+                                            <div className="text-right">
+                                                <p className="text-white font-mono font-medium">{formatCurrency(bill.amount)}</p>
+                                                <div className="flex flex-col items-end">
+                                                    <p className="text-xs text-slate-500 uppercase">{bill.period}</p>
+                                                    {bill.usage && bill.amount && (
+                                                        <p className="text-[10px] text-cyan-500/80 font-mono">
+                                                            {formatCurrency(bill.amount / bill.usage)} / {bill.unit}
+                                                        </p>
+                                                    )}
+                                                </div>
+                                            </div>
+                                        </div>
+                                    )
+                                })
+                        )}
+                    </div>
+                </div>
+
+                <AddServiceModal isOpen={isAddModalOpen} onClose={() => setIsAddModalOpen(false)} />
+            </div>
+        </DashboardLayout>
+    )
+}

app/settings/page.tsx

@@ -0,0 +1,372 @@
+'use client'
+
+import { useState, useEffect } from 'react'
+import { Save, Plus, Trash2, Bot, MessageSquare, Key, Link as LinkIcon, Lock, Send, CheckCircle2, XCircle, Loader2, Sparkles, Box } from 'lucide-react'
+import { cn } from '@/lib/utils'
+import { AIServiceConfig, AppSettings } from '@/lib/types'
+import { DashboardLayout } from '@/components/layout/DashboardLayout'
+
+export default function SettingsPage() {
+    const [loading, setLoading] = useState(true)
+    const [saving, setSaving] = useState(false)
+    const [settings, setSettings] = useState<AppSettings>({
+        telegram: { botToken: '', chatId: '' },
+        aiProviders: []
+    })
+    const [message, setMessage] = useState<{ text: string, type: 'success' | 'error' } | null>(null)
+
+    // Test loading states
+    const [testingTelegram, setTestingTelegram] = useState(false)
+    const [testingAI, setTestingAI] = useState<string | null>(null)
+    const [detectingModels, setDetectingModels] = useState<string | null>(null)
+    const [availableModels, setAvailableModels] = useState<Record<string, string[]>>({})
+
+    useEffect(() => {
+        fetch('/api/settings')
+            .then(res => res.json())
+            .then(data => {
+                setSettings(data)
+                setLoading(false)
+            })
+            .catch(err => {
+                console.error(err)
+                setLoading(false)
+                setMessage({ text: 'Error cargando configuración', type: 'error' })
+            })
+    }, [])
+
+    const handleSave = async () => {
+        setSaving(true)
+        setMessage(null)
+        try {
+            const res = await fetch('/api/settings', {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify(settings)
+            })
+
+            if (!res.ok) throw new Error('Error saving')
+
+            setMessage({ text: 'Configuración guardada correctamente', type: 'success' })
+        } catch (err) {
+            setMessage({ text: 'Error al guardar la configuración', type: 'error' })
+        } finally {
+            setSaving(false)
+        }
+    }
+
+    const testTelegram = async () => {
+        setTestingTelegram(true)
+        setMessage(null)
+        try {
+            const res = await fetch('/api/test/telegram', {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify(settings.telegram)
+            })
+            const data = await res.json()
+
+            if (data.success) {
+                setMessage({ text: 'Mensaje de prueba enviado con éxito ✅', type: 'success' })
+            } else {
+                setMessage({ text: `Error: ${data.error}`, type: 'error' })
+            }
+        } catch (err: any) {
+            setMessage({ text: 'Error de conexión al probar Telegram', type: 'error' })
+        } finally {
+            setTestingTelegram(false)
+        }
+    }
+
+    const testAI = async (provider: AIServiceConfig) => {
+        setTestingAI(provider.id)
+        setMessage(null)
+        try {
+            const res = await fetch('/api/test/ai', {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify(provider)
+            })
+            const data = await res.json()
+
+            if (data.success) {
+                setMessage({ text: `Conexión exitosa con ${provider.model || provider.name} (${data.latency}ms) ✅`, type: 'success' })
+            } else {
+                setMessage({ text: `Error con ${provider.name}: ${data.error}`, type: 'error' })
+            }
+        } catch (err) {
+            setMessage({ text: 'Error al conectar con el proveedor', type: 'error' })
+        } finally {
+            setTestingAI(null)
+        }
+    }
+
+    const detectModels = async (provider: AIServiceConfig) => {
+        setDetectingModels(provider.id)
+        setMessage(null)
+        try {
+            const res = await fetch('/api/proxy/models', {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify({ endpoint: provider.endpoint, token: provider.token })
+            })
+            const data = await res.json()
+
+            if (data.success && data.models.length > 0) {
+                setAvailableModels(prev => ({ ...prev, [provider.id]: data.models }))
+                // Auto select first if none selected
+                if (!provider.model) {
+                    updateProvider(provider.id, 'model', data.models[0])
+                }
+                setMessage({ text: `Se detectaron ${data.models.length} modelos ✅`, type: 'success' })
+            } else {
+                setMessage({ text: `No se pudieron detectar modelos. Ingrésalo manualmente.`, type: 'error' })
+            }
+        } catch (err) {
+            console.error(err)
+            setMessage({ text: 'Error al consultar modelos', type: 'error' })
+        } finally {
+            setDetectingModels(null)
+        }
+    }
+
+    const addProvider = () => {
+        if (settings.aiProviders.length >= 3) return
+        setSettings(prev => ({
+            ...prev,
+            aiProviders: [
+                ...prev.aiProviders,
+                { id: crypto.randomUUID(), name: '', endpoint: '', token: '', model: '' }
+            ]
+        }))
+    }
+
+    const removeProvider = (id: string) => {
+        setSettings(prev => ({
+            ...prev,
+            aiProviders: prev.aiProviders.filter(p => p.id !== id)
+        }))
+    }
+
+    const updateProvider = (id: string, field: keyof AIServiceConfig, value: string) => {
+        setSettings(prev => ({
+            ...prev,
+            aiProviders: prev.aiProviders.map(p =>
+                p.id === id ? { ...p, [field]: value } : p
+            )
+        }))
+    }
+
+    if (loading) return <div className="p-8 text-center text-slate-400">Cargando configuración...</div>
+
+    return (
+        <DashboardLayout title="Configuración">
+            <div className="max-w-4xl mx-auto space-y-8 pb-10">
+
+                <div className="flex items-center justify-between">
+                    <div>
+                        <h2 className="text-2xl font-bold text-white">Configuración</h2>
+                        <p className="text-slate-400 text-sm">Gestiona la integración con Telegram e Inteligencia Artificial.</p>
+                    </div>
+                    <button
+                        onClick={handleSave}
+                        disabled={saving}
+                        className="flex items-center gap-2 px-6 py-2 bg-emerald-500 hover:bg-emerald-400 text-white rounded-lg transition shadow-lg shadow-emerald-500/20 font-medium disabled:opacity-50 disabled:cursor-not-allowed"
+                    >
+                        <Save size={18} />
+                        {saving ? 'Guardando...' : 'Guardar Cambios'}
+                    </button>
+                </div>
+
+                {message && (
+                    <div className={cn(
+                        "p-4 rounded-lg text-sm font-medium border flex items-center gap-2 animate-in fade-in slide-in-from-top-2",
+                        message.type === 'success' ? "bg-emerald-500/10 border-emerald-500/20 text-emerald-400" : "bg-red-500/10 border-red-500/20 text-red-400"
+                    )}>
+                        {message.type === 'success' ? <CheckCircle2 size={18} /> : <XCircle size={18} />}
+                        {message.text}
+                    </div>
+                )}
+
+                {/* Telegram Configuration */}
+                <section className="space-y-4">
+                    <div className="flex items-center justify-between text-white border-b border-slate-800 pb-2">
+                        <div className="flex items-center gap-2">
+                            <Bot className="text-cyan-400" />
+                            <h2 className="text-lg font-semibold">Telegram Bot</h2>
+                        </div>
+                        <button
+                            onClick={testTelegram}
+                            disabled={testingTelegram || !settings.telegram.botToken || !settings.telegram.chatId}
+                            className="text-xs flex items-center gap-1.5 bg-cyan-500/10 hover:bg-cyan-500/20 text-cyan-400 border border-cyan-500/20 px-3 py-1.5 rounded-lg transition disabled:opacity-50 disabled:cursor-not-allowed"
+                        >
+                            {testingTelegram ? <Loader2 size={14} className="animate-spin" /> : <Send size={14} />}
+                            Probar Envío
+                        </button>
+                    </div>
+
+                    <div className="grid grid-cols-1 md:grid-cols-2 gap-6 p-6 bg-slate-900 border border-slate-800 rounded-xl">
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-2">
+                                <Key size={12} /> Bot Token
+                            </label>
+                            <input
+                                type="text"
+                                placeholder="123456:ABC-DEF1234ghIkl-zyx57W2v1u123ew11"
+                                value={settings.telegram.botToken}
+                                onChange={(e) => setSettings({ ...settings, telegram: { ...settings.telegram, botToken: e.target.value } })}
+                                className="w-full px-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white font-mono text-sm outline-none transition-all placeholder:text-slate-700"
+                            />
+                            <p className="text-[10px] text-slate-500">El token que te da @BotFather.</p>
+                        </div>
+
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-2">
+                                <MessageSquare size={12} /> Chat ID
+                            </label>
+                            <input
+                                type="text"
+                                placeholder="123456789"
+                                value={settings.telegram.chatId}
+                                onChange={(e) => setSettings({ ...settings, telegram: { ...settings.telegram, chatId: e.target.value } })}
+                                className="w-full px-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white font-mono text-sm outline-none transition-all placeholder:text-slate-700"
+                            />
+                            <p className="text-[10px] text-slate-500">Tu ID numérico de Telegram (o el ID del grupo).</p>
+                        </div>
+                    </div>
+                </section>
+
+                {/* AI Providers Configuration */}
+                <section className="space-y-4">
+                    <div className="flex items-center justify-between text-white border-b border-slate-800 pb-2">
+                        <div className="flex items-center gap-2">
+                            <Bot className="text-purple-400" />
+                            <h2 className="text-lg font-semibold">Proveedores de IA</h2>
+                        </div>
+                        <button
+                            onClick={addProvider}
+                            disabled={settings.aiProviders.length >= 3}
+                            className="text-xs flex items-center gap-1 bg-slate-800 hover:bg-slate-700 text-slate-200 px-3 py-1.5 rounded-lg transition disabled:opacity-50 disabled:cursor-not-allowed"
+                        >
+                            <Plus size={14} /> Agregar Provider ({settings.aiProviders.length}/3)
+                        </button>
+                    </div>
+
+                    <div className="space-y-4">
+                        {settings.aiProviders.length === 0 && (
+                            <div className="p-8 text-center text-slate-500 border border-dashed border-slate-800 rounded-xl">
+                                No hay proveedores de IA configurados. Agrega uno para empezar.
+                            </div>
+                        )}
+
+                        {settings.aiProviders.map((provider, index) => (
+                            <div key={provider.id} className="p-6 bg-slate-900 border border-slate-800 rounded-xl relative group">
+                                <div className="flex justify-between items-start mb-4">
+                                    <h3 className="text-sm font-semibold text-slate-300 bg-slate-950 inline-block px-3 py-1 rounded-md border border-slate-800">
+                                        Provider #{index + 1}
+                                    </h3>
+                                    <div className="flex gap-2">
+                                        <button
+                                            onClick={() => testAI(provider)}
+                                            disabled={testingAI === provider.id || !provider.endpoint || !provider.token || !provider.model}
+                                            className={cn("text-xs flex items-center gap-1 bg-slate-800 hover:bg-slate-700 text-purple-300 border border-purple-500/20 px-2 py-1.5 rounded-lg transition disabled:opacity-50", !provider.model && "opacity-50")}
+                                            title="Verificar conexión"
+                                        >
+                                            {testingAI === provider.id ? <Loader2 size={12} className="animate-spin" /> : <LinkIcon size={12} />}
+                                            Test
+                                        </button>
+                                        <button
+                                            onClick={() => removeProvider(provider.id)}
+                                            className="text-slate-500 hover:text-red-400 transition-colors p-1.5 hover:bg-red-500/10 rounded-lg"
+                                            title="Eliminar"
+                                        >
+                                            <Trash2 size={16} />
+                                        </button>
+                                    </div>
+                                </div>
+
+                                <div className="grid grid-cols-1 gap-4">
+                                    <div className="space-y-2">
+                                        <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Nombre</label>
+                                        <input
+                                            type="text"
+                                            placeholder="Ej: MiniMax, Z.ai"
+                                            value={provider.name}
+                                            onChange={(e) => updateProvider(provider.id, 'name', e.target.value)}
+                                            className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-purple-500/50 focus:border-purple-500 text-white text-sm outline-none"
+                                        />
+                                    </div>
+
+                                    <div className="grid grid-cols-1 md:grid-cols-2 gap-4">
+                                        <div className="space-y-2">
+                                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-2">
+                                                <LinkIcon size={12} /> Endpoint URL
+                                            </label>
+                                            <input
+                                                type="text"
+                                                placeholder="https://api.example.com/v1"
+                                                value={provider.endpoint}
+                                                onChange={(e) => updateProvider(provider.id, 'endpoint', e.target.value)}
+                                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-purple-500/50 focus:border-purple-500 text-white font-mono text-sm outline-none"
+                                            />
+                                        </div>
+                                        <div className="space-y-2">
+                                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-2">
+                                                <Lock size={12} /> API Key / Token
+                                            </label>
+                                            <input
+                                                type="password"
+                                                placeholder="sk-..."
+                                                value={provider.token}
+                                                onChange={(e) => updateProvider(provider.id, 'token', e.target.value)}
+                                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-purple-500/50 focus:border-purple-500 text-white font-mono text-sm outline-none"
+                                            />
+                                        </div>
+                                    </div>
+
+                                    {/* Model Selection */}
+                                    <div className="space-y-2">
+                                        <div className="flex justify-between items-center">
+                                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-2">
+                                                <Box size={12} /> Model
+                                            </label>
+                                            <button
+                                                onClick={() => detectModels(provider)}
+                                                disabled={detectingModels === provider.id || !provider.endpoint || !provider.token}
+                                                className="text-[10px] flex items-center gap-1 text-cyan-400 hover:text-cyan-300 disabled:opacity-50"
+                                            >
+                                                {detectingModels === provider.id ? <Loader2 size={10} className="animate-spin" /> : <Sparkles size={10} />}
+                                                Auto Detectar
+                                            </button>
+                                        </div>
+                                        {availableModels[provider.id] ? (
+                                            <select
+                                                value={provider.model || ''}
+                                                onChange={(e) => updateProvider(provider.id, 'model', e.target.value)}
+                                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-purple-500/50 focus:border-purple-500 text-white text-sm outline-none"
+                                            >
+                                                <option value="" disabled>Selecciona un modelo</option>
+                                                {availableModels[provider.id].map(m => (
+                                                    <option key={m} value={m}>{m}</option>
+                                                ))}
+                                            </select>
+                                        ) : (
+                                            <input
+                                                type="text"
+                                                placeholder="Ej: gpt-3.5-turbo, glm-4"
+                                                value={provider.model || ''}
+                                                onChange={(e) => updateProvider(provider.id, 'model', e.target.value)}
+                                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-purple-500/50 focus:border-purple-500 text-white font-mono text-sm outline-none"
+                                            />
+                                        )}
+                                    </div>
+
+                                </div>
+                            </div>
+                        ))}
+                    </div>
+                </section>
+            </div>
+        </DashboardLayout>
+    )
+}

components/DataSync.tsx

@@ -0,0 +1,83 @@
+'use client';
+
+import { useEffect, useRef } from 'react';
+import { useFinanzasStore } from '@/lib/store';
+
+export function DataSync() {
+  const initialized = useRef(false);
+
+  useEffect(() => {
+    async function init() {
+      // Prevent double init in StrictMode
+      if (initialized.current) return;
+      
+      try {
+        const res = await fetch('/api/sync');
+        // If 401 (unauthorized), stop here. User needs to login.
+        if (res.status === 401) return;
+        if (!res.ok) return;
+
+        const serverData = await res.json();
+        
+        // Comprehensive check if server has ANY data
+        const hasServerData = 
+            (serverData.fixedDebts?.length ?? 0) > 0 || 
+            (serverData.variableDebts?.length ?? 0) > 0 ||
+            (serverData.creditCards?.length ?? 0) > 0 ||
+            (serverData.incomes?.length ?? 0) > 0 ||
+            (serverData.serviceBills?.length ?? 0) > 0;
+        
+        if (hasServerData) {
+          console.log("Sync: Hydrating from Server");
+          useFinanzasStore.setState(serverData);
+        } else {
+            // Server is empty. If we have local data, push it.
+            // But verify we actually have local data worth pushing to avoid overwriting with empty defaults unnecessarily
+            const localState = useFinanzasStore.getState();
+            const hasLocalData = 
+                localState.fixedDebts.length > 0 || 
+                localState.variableDebts.length > 0 ||
+                localState.creditCards.length > 0 ||
+                localState.incomes.length > 0;
+
+            if (hasLocalData) {
+                console.log("Sync: Server empty, pushing Local Data");
+                syncToServer(localState);
+            }
+        }
+      } catch (e) {
+        console.error("Sync init error", e);
+      } finally {
+        // Mark as initialized so subsequent changes trigger sync
+        initialized.current = true;
+      }
+    }
+
+    init();
+  }, []);
+
+  // Sync on change
+  useEffect(() => {
+    const unsub = useFinanzasStore.subscribe((state) => {
+       // Only sync to server if we have finished initialization/hydration
+       if (initialized.current) {
+          syncToServer(state);
+       }
+    });
+    return () => unsub();
+  }, []);
+
+  return null;
+}
+
+let timeout: NodeJS.Timeout;
+function syncToServer(state: any) {
+  clearTimeout(timeout);
+  timeout = setTimeout(() => {
+    fetch('/api/sync', {
+      method: 'POST',
+      headers: {'Content-Type': 'application/json'},
+      body: JSON.stringify(state)
+    }).catch(e => console.error("Sync error", e));
+  }, 2000); // Debounce 2s
+}

components/alerts/AlertBadge.tsx

@@ -0,0 +1,32 @@
+'use client'
+
+import { cn } from '@/lib/utils'
+
+interface AlertBadgeProps {
+  count: number
+  variant?: 'default' | 'dot'
+}
+
+export function AlertBadge({ count, variant = 'default' }: AlertBadgeProps) {
+  if (count === 0) {
+    return null
+  }
+
+  if (variant === 'dot') {
+    return (
+      <span className="absolute -top-1 -right-1 h-3 w-3 rounded-full bg-red-500 animate-pulse" />
+    )
+  }
+
+  return (
+    <span
+      className={cn(
+        'inline-flex items-center justify-center min-w-[20px] h-5 px-1.5',
+        'rounded-full bg-red-500 text-white text-xs font-medium',
+        'animate-pulse'
+      )}
+    >
+      {count > 99 ? '99+' : count}
+    </span>
+  )
+}

components/alerts/AlertBanner.tsx

@@ -0,0 +1,112 @@
+'use client'
+
+import { useState } from 'react'
+import { Check, X } from 'lucide-react'
+import { Alert } from '@/lib/types'
+import { cn } from '@/lib/utils'
+import { AlertIcon } from './AlertIcon'
+
+interface AlertBannerProps {
+  alert: Alert
+  onDismiss: () => void
+  onMarkRead: () => void
+}
+
+const severityStyles = {
+  info: {
+    bg: 'bg-blue-900/50',
+    border: 'border-l-blue-500',
+    icon: 'text-blue-400',
+  },
+  warning: {
+    bg: 'bg-amber-900/50',
+    border: 'border-l-amber-500',
+    icon: 'text-amber-400',
+  },
+  danger: {
+    bg: 'bg-red-900/50',
+    border: 'border-l-red-500',
+    icon: 'text-red-400',
+  },
+}
+
+export function AlertBanner({ alert, onDismiss, onMarkRead }: AlertBannerProps) {
+  const [isVisible, setIsVisible] = useState(true)
+  const [isExiting, setIsExiting] = useState(false)
+  const styles = severityStyles[alert.severity]
+
+  const handleDismiss = () => {
+    setIsExiting(true)
+    setTimeout(() => {
+      setIsVisible(false)
+      onDismiss()
+    }, 300)
+  }
+
+  const handleMarkRead = () => {
+    setIsExiting(true)
+    setTimeout(() => {
+      setIsVisible(false)
+      onMarkRead()
+    }, 300)
+  }
+
+  if (!isVisible) {
+    return null
+  }
+
+  return (
+    <div
+      className={cn(
+        'relative overflow-hidden rounded-r-lg border-l-4 p-4',
+        'transition-all duration-300 ease-out',
+        'animate-in slide-in-from-top-2',
+        isExiting && 'animate-out slide-out-to-top-2 opacity-0',
+        styles.bg,
+        styles.border
+      )}
+      role="alert"
+    >
+      <div className="flex items-start gap-3">
+        <div className={cn('flex-shrink-0 mt-0.5', styles.icon)}>
+          <AlertIcon type={alert.type} />
+        </div>
+
+        <div className="flex-1 min-w-0">
+          <h4 className="font-semibold text-white text-sm">{alert.title}</h4>
+          <p className="mt-1 text-sm text-gray-300">{alert.message}</p>
+        </div>
+
+        <div className="flex items-center gap-1 flex-shrink-0">
+          {!alert.isRead && (
+            <button
+              onClick={handleMarkRead}
+              className={cn(
+                'p-1.5 rounded-md transition-colors',
+                'text-gray-400 hover:text-white hover:bg-white/10',
+                'focus:outline-none focus:ring-2 focus:ring-white/20'
+              )}
+              title="Marcar como leída"
+              aria-label="Marcar como leída"
+            >
+              <Check className="h-4 w-4" />
+            </button>
+          )}
+
+          <button
+            onClick={handleDismiss}
+            className={cn(
+              'p-1.5 rounded-md transition-colors',
+              'text-gray-400 hover:text-white hover:bg-white/10',
+              'focus:outline-none focus:ring-2 focus:ring-white/20'
+            )}
+            title="Cerrar"
+            aria-label="Cerrar alerta"
+          >
+            <X className="h-4 w-4" />
+          </button>
+        </div>
+      </div>
+    </div>
+  )
+}

components/alerts/AlertIcon.tsx

@@ -0,0 +1,25 @@
+'use client'
+
+import { Info, AlertTriangle, AlertCircle, LucideIcon } from 'lucide-react'
+import { Alert } from '@/lib/types'
+import { cn } from '@/lib/utils'
+
+interface AlertIconProps {
+  type: Alert['type']
+  className?: string
+}
+
+const iconMap: Record<Alert['type'], LucideIcon> = {
+  PAYMENT_DUE: AlertCircle,
+  BUDGET_WARNING: AlertTriangle,
+  CARD_CLOSING: Info,
+  CARD_DUE: AlertCircle,
+  SAVINGS_GOAL: Info,
+  UNUSUAL_SPENDING: AlertTriangle,
+}
+
+export function AlertIcon({ type, className }: AlertIconProps) {
+  const Icon = iconMap[type]
+
+  return <Icon className={cn('h-5 w-5', className)} />
+}

components/alerts/AlertItem.tsx

@@ -0,0 +1,148 @@
+'use client'
+
+import { useState } from 'react'
+import { Check, Trash2 } from 'lucide-react'
+import { Alert } from '@/lib/types'
+import { cn } from '@/lib/utils'
+import { AlertIcon } from './AlertIcon'
+
+interface AlertItemProps {
+  alert: Alert
+  onMarkRead: () => void
+  onDelete: () => void
+}
+
+const severityStyles = {
+  info: 'text-blue-400',
+  warning: 'text-amber-400',
+  danger: 'text-red-400',
+}
+
+function getRelativeTime(date: string): string {
+  const now = new Date()
+  const alertDate = new Date(date)
+  const diffMs = now.getTime() - alertDate.getTime()
+  const diffMins = Math.floor(diffMs / (1000 * 60))
+  const diffHours = Math.floor(diffMs / (1000 * 60 * 60))
+  const diffDays = Math.floor(diffMs / (1000 * 60 * 60 * 24))
+
+  if (diffMins < 1) {
+    return 'ahora'
+  }
+  if (diffMins < 60) {
+    return `hace ${diffMins} min`
+  }
+  if (diffHours < 24) {
+    return `hace ${diffHours} hora${diffHours > 1 ? 's' : ''}`
+  }
+  if (diffDays === 1) {
+    return 'ayer'
+  }
+  if (diffDays < 7) {
+    return `hace ${diffDays} días`
+  }
+
+  return alertDate.toLocaleDateString('es-AR', {
+    day: 'numeric',
+    month: 'short',
+  })
+}
+
+export function AlertItem({ alert, onMarkRead, onDelete }: AlertItemProps) {
+  const [showActions, setShowActions] = useState(false)
+  const [isExiting, setIsExiting] = useState(false)
+
+  const handleMarkRead = () => {
+    setIsExiting(true)
+    setTimeout(() => {
+      onMarkRead()
+    }, 200)
+  }
+
+  const handleDelete = () => {
+    setIsExiting(true)
+    setTimeout(() => {
+      onDelete()
+    }, 200)
+  }
+
+  return (
+    <div
+      className={cn(
+        'group relative flex items-center gap-3 p-3 rounded-lg',
+        'transition-all duration-200',
+        'hover:bg-white/5',
+        isExiting && 'opacity-0 -translate-x-4',
+        !alert.isRead && 'bg-white/[0.02]'
+      )}
+      onMouseEnter={() => setShowActions(true)}
+      onMouseLeave={() => setShowActions(false)}
+      role="listitem"
+    >
+      {/* Unread indicator */}
+      {!alert.isRead && (
+        <span className="absolute left-1 top-1/2 -translate-y-1/2 h-2 w-2 rounded-full bg-blue-500" />
+      )}
+
+      {/* Icon */}
+      <div
+        className={cn(
+          'flex-shrink-0',
+          severityStyles[alert.severity],
+          !alert.isRead && 'ml-3'
+        )}
+      >
+        <AlertIcon type={alert.type} className="h-4 w-4" />
+      </div>
+
+      {/* Content */}
+      <div className="flex-1 min-w-0">
+        <p
+          className={cn(
+            'text-sm truncate',
+            alert.isRead ? 'text-gray-400' : 'text-white font-medium'
+          )}
+        >
+          {alert.title}
+        </p>
+        <p className="text-xs text-gray-500 mt-0.5">{getRelativeTime(alert.date)}</p>
+      </div>
+
+      {/* Actions */}
+      <div
+        className={cn(
+          'flex items-center gap-1 transition-opacity duration-200',
+          showActions ? 'opacity-100' : 'opacity-0'
+        )}
+      >
+        {!alert.isRead && (
+          <button
+            onClick={handleMarkRead}
+            className={cn(
+              'p-1.5 rounded-md transition-colors',
+              'text-gray-500 hover:text-green-400 hover:bg-green-400/10',
+              'focus:outline-none focus:ring-2 focus:ring-green-400/20'
+            )}
+            title="Marcar como leída"
+            aria-label="Marcar como leída"
+          >
+            <Check className="h-3.5 w-3.5" />
+          </button>
+        )}
+
+        <button
+          onClick={handleDelete}
+          className={cn(
+            'p-1.5 rounded-md transition-colors',
+            'text-gray-500 hover:text-red-400 hover:bg-red-400/10',
+            'focus:outline-none focus:ring-2 focus:ring-red-400/20'
+          )}
+          title="Eliminar"
+          aria-label="Eliminar alerta"
+        >
+          <Trash2 className="h-3.5 w-3.5" />
+        </button>
+      </div>
+    </div>
+  )
+}

components/alerts/AlertPanel.tsx

@@ -0,0 +1,148 @@
+'use client'
+
+import { useState } from 'react'
+import { Bell, CheckCheck, Trash2, Inbox } from 'lucide-react'
+import { cn } from '@/lib/utils'
+import { useFinanzasStore } from '@/lib/store'
+import { AlertItem } from './AlertItem'
+import { AlertBadge } from './AlertBadge'
+
+type TabType = 'all' | 'unread'
+
+export function AlertPanel() {
+  const [activeTab, setActiveTab] = useState<TabType>('all')
+
+  const alerts = useFinanzasStore((state) => state.alerts)
+  const markAlertAsRead = useFinanzasStore((state) => state.markAlertAsRead)
+  const deleteAlert = useFinanzasStore((state) => state.deleteAlert)
+  const clearAllAlerts = useFinanzasStore((state) => state.clearAllAlerts)
+
+  const unreadAlerts = alerts.filter((alert) => !alert.isRead)
+  const unreadCount = unreadAlerts.length
+
+  const displayedAlerts = activeTab === 'unread' ? unreadAlerts : alerts
+
+  const handleMarkAllRead = () => {
+    unreadAlerts.forEach((alert) => {
+      markAlertAsRead(alert.id)
+    })
+  }
+
+  const handleClearAll = () => {
+    clearAllAlerts()
+  }
+
+  return (
+    <div className="w-full max-w-md bg-gray-900 rounded-xl border border-gray-800 shadow-xl">
+      {/* Header */}
+      <div className="flex items-center justify-between p-4 border-b border-gray-800">
+        <div className="flex items-center gap-2">
+          <div className="relative">
+            <Bell className="h-5 w-5 text-gray-400" />
+            {unreadCount > 0 && <AlertBadge count={unreadCount} variant="dot" />}
+          </div>
+          <h3 className="font-semibold text-white">Alertas</h3>
+          {unreadCount > 0 && (
+            <span className="text-xs text-gray-500">({unreadCount})</span>
+          )}
+        </div>
+
+        <div className="flex items-center gap-1">
+          {unreadCount > 0 && (
+            <button
+              onClick={handleMarkAllRead}
+              className={cn(
+                'p-2 rounded-md transition-colors',
+                'text-gray-500 hover:text-green-400 hover:bg-green-400/10',
+                'focus:outline-none focus:ring-2 focus:ring-green-400/20'
+              )}
+              title="Marcar todas como leídas"
+              aria-label="Marcar todas como leídas"
+            >
+              <CheckCheck className="h-4 w-4" />
+            </button>
+          )}
+
+          {alerts.length > 0 && (
+            <button
+              onClick={handleClearAll}
+              className={cn(
+                'p-2 rounded-md transition-colors',
+                'text-gray-500 hover:text-red-400 hover:bg-red-400/10',
+                'focus:outline-none focus:ring-2 focus:ring-red-400/20'
+              )}
+              title="Limpiar todas"
+              aria-label="Limpiar todas las alertas"
+            >
+              <Trash2 className="h-4 w-4" />
+            </button>
+          )}
+        </div>
+      </div>
+
+      {/* Tabs */}
+      {alerts.length > 0 && (
+        <div className="flex border-b border-gray-800">
+          <button
+            onClick={() => setActiveTab('all')}
+            className={cn(
+              'flex-1 px-4 py-2 text-sm font-medium transition-colors',
+              'focus:outline-none focus:ring-2 focus:ring-inset focus:ring-blue-500/20',
+              activeTab === 'all'
+                ? 'text-white border-b-2 border-blue-500'
+                : 'text-gray-500 hover:text-gray-300'
+            )}
+          >
+            Todas
+            <span className="ml-1.5 text-xs text-gray-600">({alerts.length})</span>
+          </button>
+          <button
+            onClick={() => setActiveTab('unread')}
+            className={cn(
+              'flex-1 px-4 py-2 text-sm font-medium transition-colors',
+              'focus:outline-none focus:ring-2 focus:ring-inset focus:ring-blue-500/20',
+              activeTab === 'unread'
+                ? 'text-white border-b-2 border-blue-500'
+                : 'text-gray-500 hover:text-gray-300'
+            )}
+          >
+            No leídas
+            {unreadCount > 0 && (
+              <span className="ml-1.5 text-xs text-blue-400">({unreadCount})</span>
+            )}
+          </button>
+        </div>
+      )}
+
+      {/* Alert List */}
+      <div className="max-h-[400px] overflow-y-auto">
+        {displayedAlerts.length === 0 ? (
+          <div className="flex flex-col items-center justify-center py-12 px-4 text-center">
+            <div className="h-12 w-12 rounded-full bg-gray-800 flex items-center justify-center mb-3">
+              <Inbox className="h-6 w-6 text-gray-600" />
+            </div>
+            <p className="text-gray-400 text-sm">
+              {activeTab === 'unread'
+                ? 'No tienes alertas sin leer'
+                : 'No tienes alertas'}
+            </p>
+            <p className="text-gray-600 text-xs mt-1">
+              Las alertas aparecerán cuando haya pagos próximos o eventos importantes
+            </p>
+          </div>
+        ) : (
+          <div className="divide-y divide-gray-800/50" role="list">
+            {displayedAlerts.map((alert) => (
+              <AlertItem
+                key={alert.id}
+                alert={alert}
+                onMarkRead={() => markAlertAsRead(alert.id)}
+                onDelete={() => deleteAlert(alert.id)}
+              />
+            ))}
+          </div>
+        )}
+      </div>
+    </div>
+  )
+}

components/alerts/index.ts

@@ -0,0 +1,6 @@
+export { AlertBanner } from './AlertBanner'
+export { AlertItem } from './AlertItem'
+export { AlertPanel } from './AlertPanel'
+export { AlertBadge } from './AlertBadge'
+export { AlertIcon } from './AlertIcon'
+export { useAlerts } from './useAlerts'

components/alerts/useAlerts.ts

@@ -0,0 +1,68 @@
+'use client'
+
+import { useMemo, useCallback } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { generateAlerts, GenerateAlertsParams } from '@/lib/alerts'
+
+export function useAlerts() {
+  const alerts = useFinanzasStore((state) => state.alerts)
+  const addAlert = useFinanzasStore((state) => state.addAlert)
+  const clearAllAlerts = useFinanzasStore((state) => state.clearAllAlerts)
+
+  const fixedDebts = useFinanzasStore((state) => state.fixedDebts)
+  const variableDebts = useFinanzasStore((state) => state.variableDebts)
+  const creditCards = useFinanzasStore((state) => state.creditCards)
+  const monthlyBudgets = useFinanzasStore((state) => state.monthlyBudgets)
+  const currentMonth = useFinanzasStore((state) => state.currentMonth)
+  const currentYear = useFinanzasStore((state) => state.currentYear)
+
+  const unreadAlerts = useMemo(
+    () => alerts.filter((alert) => !alert.isRead),
+    [alerts]
+  )
+
+  const unreadCount = unreadAlerts.length
+
+  const regenerateAlerts = useCallback(() => {
+    const params: GenerateAlertsParams = {
+      fixedDebts,
+      variableDebts,
+      creditCards,
+      monthlyBudgets,
+      currentMonth,
+      currentYear,
+    }
+
+    const newAlerts = generateAlerts(params)
+
+    // Clear existing alerts and add new ones
+    clearAllAlerts()
+
+    newAlerts.forEach((alertDraft) => {
+      addAlert({ ...alertDraft, isRead: false })
+    })
+
+    return newAlerts.length
+  }, [
+    fixedDebts,
+    variableDebts,
+    creditCards,
+    monthlyBudgets,
+    currentMonth,
+    currentYear,
+    clearAllAlerts,
+    addAlert,
+  ])
+
+  const dismissAll = useCallback(() => {
+    clearAllAlerts()
+  }, [clearAllAlerts])
+
+  return {
+    alerts,
+    unreadCount,
+    unreadAlerts,
+    regenerateAlerts,
+    dismissAll,
+  }
+}

components/budget/BudgetCard.tsx

@@ -0,0 +1,50 @@
+'use client'
+
+import { TrendingUp, TrendingDown, Minus } from 'lucide-react'
+import { cn, formatCurrency } from '@/lib/utils'
+
+interface BudgetCardProps {
+  label: string
+  amount: number
+  trend?: 'up' | 'down' | 'neutral'
+  color?: string
+}
+
+export function BudgetCard({ label, amount, trend = 'neutral', color }: BudgetCardProps) {
+  const getTrendIcon = () => {
+    switch (trend) {
+      case 'up':
+        return <TrendingUp className="w-4 h-4 text-emerald-400" />
+      case 'down':
+        return <TrendingDown className="w-4 h-4 text-red-400" />
+      default:
+        return <Minus className="w-4 h-4 text-slate-500" />
+    }
+  }
+
+  const getTrendText = () => {
+    switch (trend) {
+      case 'up':
+        return <span className="text-emerald-400 text-xs">Positivo</span>
+      case 'down':
+        return <span className="text-red-400 text-xs">Negativo</span>
+      default:
+        return <span className="text-slate-500 text-xs">Neutral</span>
+    }
+  }
+
+  const textColor = color || 'text-white'
+
+  return (
+    <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-4">
+      <div className="flex items-center justify-between">
+        <p className="text-slate-400 text-sm">{label}</p>
+        {getTrendIcon()}
+      </div>
+      <p className={cn('text-2xl font-mono font-semibold mt-2', textColor)}>
+        {formatCurrency(amount)}
+      </p>
+      <div className="mt-2">{getTrendText()}</div>
+    </div>
+  )
+}

components/budget/BudgetForm.tsx

@@ -0,0 +1,198 @@
+'use client'
+
+import { useState } from 'react'
+import { MonthlyBudget } from '@/lib/types'
+import { cn, getMonthName } from '@/lib/utils'
+
+interface BudgetFormProps {
+  onSubmit: (budget: MonthlyBudget) => void
+  onCancel: () => void
+  initialData?: MonthlyBudget
+}
+
+const months = Array.from({ length: 12 }, (_, i) => ({
+  value: i + 1,
+  label: getMonthName(i + 1),
+}))
+
+export function BudgetForm({ onSubmit, onCancel, initialData }: BudgetFormProps) {
+  const now = new Date()
+
+  const [formData, setFormData] = useState({
+    totalIncome: initialData?.totalIncome || 0,
+    savingsGoal: initialData?.savingsGoal || 0,
+    month: initialData?.month || now.getMonth() + 1,
+    year: initialData?.year || now.getFullYear(),
+  })
+
+  const [errors, setErrors] = useState<Record<string, string>>({})
+
+  const validate = (): boolean => {
+    const newErrors: Record<string, string> = {}
+
+    if (formData.totalIncome <= 0) {
+      newErrors.totalIncome = 'Los ingresos deben ser mayores a 0'
+    }
+
+    if (formData.savingsGoal >= formData.totalIncome) {
+      newErrors.savingsGoal = 'La meta de ahorro debe ser menor que los ingresos'
+    }
+
+    if (formData.month < 1 || formData.month > 12) {
+      newErrors.month = 'El mes debe estar entre 1 y 12'
+    }
+
+    if (formData.year < 2000 || formData.year > 2100) {
+      newErrors.year = 'El año no es válido'
+    }
+
+    setErrors(newErrors)
+    return Object.keys(newErrors).length === 0
+  }
+
+  const handleSubmit = (e: React.FormEvent) => {
+    e.preventDefault()
+    if (validate()) {
+      onSubmit({
+        month: formData.month,
+        year: formData.year,
+        totalIncome: formData.totalIncome,
+        savingsGoal: formData.savingsGoal,
+        fixedExpenses: initialData?.fixedExpenses || 0,
+        variableExpenses: initialData?.variableExpenses || 0,
+      })
+    }
+  }
+
+  const updateField = <K extends keyof typeof formData>(
+    field: K,
+    value: typeof formData[K]
+  ) => {
+    setFormData((prev) => ({ ...prev, [field]: value }))
+    if (errors[field]) {
+      setErrors((prev) => {
+        const newErrors = { ...prev }
+        delete newErrors[field]
+        return newErrors
+      })
+    }
+  }
+
+  return (
+    <form onSubmit={handleSubmit} className="space-y-4">
+      <div className="grid grid-cols-2 gap-4">
+        <div>
+          <label htmlFor="month" className="block text-sm font-medium text-slate-300 mb-1">
+            Mes <span className="text-red-400">*</span>
+          </label>
+          <select
+            id="month"
+            value={formData.month}
+            onChange={(e) => updateField('month', parseInt(e.target.value))}
+            className={cn(
+              'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white',
+              'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+              errors.month ? 'border-red-500' : 'border-slate-600'
+            )}
+          >
+            {months.map((m) => (
+              <option key={m.value} value={m.value}>
+                {m.label}
+              </option>
+            ))}
+          </select>
+          {errors.month && <p className="mt-1 text-sm text-red-400">{errors.month}</p>}
+        </div>
+
+        <div>
+          <label htmlFor="year" className="block text-sm font-medium text-slate-300 mb-1">
+            Año <span className="text-red-400">*</span>
+          </label>
+          <input
+            type="number"
+            id="year"
+            min="2000"
+            max="2100"
+            value={formData.year}
+            onChange={(e) => updateField('year', parseInt(e.target.value) || now.getFullYear())}
+            className={cn(
+              'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white',
+              'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+              errors.year ? 'border-red-500' : 'border-slate-600'
+            )}
+          />
+          {errors.year && <p className="mt-1 text-sm text-red-400">{errors.year}</p>}
+        </div>
+      </div>
+
+      <div>
+        <label htmlFor="totalIncome" className="block text-sm font-medium text-slate-300 mb-1">
+          Ingresos totales <span className="text-red-400">*</span>
+        </label>
+        <input
+          type="number"
+          id="totalIncome"
+          min="0"
+          step="0.01"
+          value={formData.totalIncome || ''}
+          onChange={(e) => updateField('totalIncome', parseFloat(e.target.value) || 0)}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+            errors.totalIncome ? 'border-red-500' : 'border-slate-600'
+          )}
+          placeholder="0.00"
+        />
+        {errors.totalIncome && <p className="mt-1 text-sm text-red-400">{errors.totalIncome}</p>}
+      </div>
+
+      <div>
+        <label htmlFor="savingsGoal" className="block text-sm font-medium text-slate-300 mb-1">
+          Meta de ahorro <span className="text-red-400">*</span>
+        </label>
+        <input
+          type="number"
+          id="savingsGoal"
+          min="0"
+          step="0.01"
+          value={formData.savingsGoal || ''}
+          onChange={(e) => updateField('savingsGoal', parseFloat(e.target.value) || 0)}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+            errors.savingsGoal ? 'border-red-500' : 'border-slate-600'
+          )}
+          placeholder="0.00"
+        />
+        {errors.savingsGoal && <p className="mt-1 text-sm text-red-400">{errors.savingsGoal}</p>}
+        {formData.totalIncome > 0 && (
+          <p className="mt-1 text-sm text-slate-500">
+            Disponible para gastos: {((formData.totalIncome - formData.savingsGoal) / formData.totalIncome * 100).toFixed(0)}%
+          </p>
+        )}
+      </div>
+
+      <div className="flex gap-3 pt-2">
+        <button
+          type="button"
+          onClick={onCancel}
+          className={cn(
+            'flex-1 px-4 py-2 bg-slate-700 text-slate-200 rounded-lg font-medium',
+            'hover:bg-slate-600 transition-colors'
+          )}
+        >
+          Cancelar
+        </button>
+        <button
+          type="submit"
+          className={cn(
+            'flex-1 px-4 py-2 bg-blue-600 text-white rounded-lg font-medium',
+            'hover:bg-blue-500 transition-colors'
+          )}
+        >
+          {initialData ? 'Guardar cambios' : 'Crear presupuesto'}
+        </button>
+      </div>
+    </form>
+  )
+}

components/budget/BudgetProgress.tsx

@@ -0,0 +1,44 @@
+'use client'
+
+import { cn, formatCurrency } from '@/lib/utils'
+
+interface BudgetProgressProps {
+  current: number
+  max: number
+  label: string
+  color?: string
+}
+
+export function BudgetProgress({ current, max, label, color }: BudgetProgressProps) {
+  const percentage = max > 0 ? Math.min((current / max) * 100, 100) : 0
+
+  const getColorClass = () => {
+    if (color) return color
+    if (percentage < 70) return 'bg-emerald-500'
+    if (percentage < 90) return 'bg-amber-500'
+    return 'bg-red-500'
+  }
+
+  return (
+    <div className="w-full">
+      <div className="flex items-center justify-between mb-2">
+        <span className="text-sm font-medium text-slate-300">{label}</span>
+        <span className="text-sm text-slate-400">
+          {formatCurrency(current)} <span className="text-slate-600">/ {formatCurrency(max)}</span>
+        </span>
+      </div>
+      <div className="h-3 bg-slate-700 rounded-full overflow-hidden">
+        <div
+          className={cn('h-full rounded-full transition-all duration-500 ease-out', getColorClass())}
+          style={{ width: `${percentage}%` }}
+        />
+      </div>
+      <div className="flex justify-between mt-1">
+        <span className="text-xs text-slate-500">{percentage.toFixed(0)}% usado</span>
+        {percentage >= 100 && (
+          <span className="text-xs text-red-400 font-medium">Límite alcanzado</span>
+        )}
+      </div>
+    </div>
+  )
+}

components/budget/BudgetRing.tsx

@@ -0,0 +1,83 @@
+'use client'
+
+import { cn, formatCurrency } from '@/lib/utils'
+
+interface BudgetRingProps {
+  spent: number
+  total: number
+  label: string
+}
+
+export function BudgetRing({ spent, total, label }: BudgetRingProps) {
+  const percentage = total > 0 ? Math.min((spent / total) * 100, 100) : 0
+  const remaining = Math.max(total - spent, 0)
+
+  const getColor = () => {
+    if (percentage < 70) return { stroke: '#10b981', bg: 'text-emerald-400' }
+    if (percentage < 90) return { stroke: '#f59e0b', bg: 'text-amber-400' }
+    return { stroke: '#ef4444', bg: 'text-red-400' }
+  }
+
+  const colors = getColor()
+
+  const radius = 80
+  const strokeWidth = 12
+  const normalizedRadius = radius - strokeWidth / 2
+  const circumference = normalizedRadius * 2 * Math.PI
+  const strokeDashoffset = circumference - (percentage / 100) * circumference
+
+  return (
+    <div className="flex flex-col items-center">
+      <div className="relative">
+        <svg
+          width={radius * 2}
+          height={radius * 2}
+          className="transform -rotate-90"
+        >
+          {/* Background circle */}
+          <circle
+            stroke="#334155"
+            strokeWidth={strokeWidth}
+            fill="transparent"
+            r={normalizedRadius}
+            cx={radius}
+            cy={radius}
+          />
+          {/* Progress circle */}
+          <circle
+            stroke={colors.stroke}
+            strokeWidth={strokeWidth}
+            strokeLinecap="round"
+            fill="transparent"
+            r={normalizedRadius}
+            cx={radius}
+            cy={radius}
+            style={{
+              strokeDasharray: `${circumference} ${circumference}`,
+              strokeDashoffset,
+              transition: 'stroke-dashoffset 0.5s ease-in-out',
+            }}
+          />
+        </svg>
+        {/* Center content */}
+        <div className="absolute inset-0 flex flex-col items-center justify-center">
+          <span className={cn('text-3xl font-bold', colors.bg)}>
+            {percentage.toFixed(0)}%
+          </span>
+          <span className="text-slate-400 text-sm mt-1">usado</span>
+        </div>
+      </div>
+
+      {/* Stats below */}
+      <div className="mt-4 text-center">
+        <p className="text-slate-400 text-sm">{label}</p>
+        <p className="text-lg font-semibold text-white mt-1">
+          {formatCurrency(spent)} <span className="text-slate-500">/ {formatCurrency(total)}</span>
+        </p>
+        <p className="text-sm text-slate-500 mt-1">
+          {formatCurrency(remaining)} disponible
+        </p>
+      </div>
+    </div>
+  )
+}

components/budget/BudgetSection.tsx

@@ -0,0 +1,269 @@
+'use client'
+
+import { useState, useMemo } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { MonthlyBudget } from '@/lib/types'
+import { BudgetForm } from './BudgetForm'
+import { BudgetRing } from './BudgetRing'
+import { BudgetProgress } from './BudgetProgress'
+import { BudgetCard } from './BudgetCard'
+import { cn, formatCurrency, getMonthName, calculateTotalFixedDebts, calculateTotalVariableDebts, calculateCardPayments } from '@/lib/utils'
+import { Plus, Wallet, Edit3, TrendingUp, TrendingDown, AlertCircle } from 'lucide-react'
+
+export function BudgetSection() {
+  const [isModalOpen, setIsModalOpen] = useState(false)
+  const [isEditing, setIsEditing] = useState(false)
+
+  const {
+    monthlyBudgets,
+    fixedDebts,
+    variableDebts,
+    cardPayments,
+    currentMonth,
+    currentYear,
+    setMonthlyBudget,
+  } = useFinanzasStore()
+
+  const currentBudget = useMemo(() => {
+    return monthlyBudgets.find(
+      (b) => b.month === currentMonth && b.year === currentYear
+    )
+  }, [monthlyBudgets, currentMonth, currentYear])
+
+  const fixedExpenses = useMemo(() => calculateTotalFixedDebts(fixedDebts), [fixedDebts])
+  const variableExpenses = useMemo(() => calculateTotalVariableDebts(variableDebts), [variableDebts])
+  const cardExpenses = useMemo(() => calculateCardPayments(cardPayments), [cardPayments])
+
+  const totalSpent = fixedExpenses + variableExpenses + cardExpenses
+  const totalIncome = currentBudget?.totalIncome || 0
+  const savingsGoal = currentBudget?.savingsGoal || 0
+  const availableForExpenses = totalIncome - savingsGoal
+  const remaining = availableForExpenses - totalSpent
+
+  const daysInMonth = new Date(currentYear, currentMonth, 0).getDate()
+  const currentDay = new Date().getDate()
+  const daysRemaining = daysInMonth - currentDay
+  const dailySpendRate = currentDay > 0 ? totalSpent / currentDay : 0
+  const projectedEndOfMonth = totalSpent + dailySpendRate * daysRemaining
+
+  const handleCreateBudget = () => {
+    setIsEditing(false)
+    setIsModalOpen(true)
+  }
+
+  const handleEditBudget = () => {
+    setIsEditing(true)
+    setIsModalOpen(true)
+  }
+
+  const handleCloseModal = () => {
+    setIsModalOpen(false)
+    setIsEditing(false)
+  }
+
+  const handleSubmit = (budget: MonthlyBudget) => {
+    setMonthlyBudget(budget)
+    handleCloseModal()
+  }
+
+  if (!currentBudget) {
+    return (
+      <div className="bg-slate-900 min-h-screen p-6">
+        <div className="max-w-4xl mx-auto">
+          <div className="flex items-center justify-between mb-6">
+            <div>
+              <h1 className="text-2xl font-bold text-white">Presupuesto Mensual</h1>
+              <p className="text-slate-400 text-sm mt-1">
+                {getMonthName(currentMonth)} {currentYear}
+              </p>
+            </div>
+          </div>
+
+          <div className="text-center py-16 bg-slate-800/50 border border-slate-700/50 rounded-lg">
+            <Wallet className="w-12 h-12 text-slate-600 mx-auto mb-4" />
+            <h3 className="text-lg font-medium text-slate-300">
+              No hay presupuesto para este mes
+            </h3>
+            <p className="text-slate-500 mt-2 mb-6">
+              Crea un presupuesto para comenzar a gestionar tus finanzas
+            </p>
+            <button
+              onClick={handleCreateBudget}
+              className={cn(
+                'inline-flex items-center gap-2 px-4 py-2 bg-blue-600 text-white rounded-lg font-medium',
+                'hover:bg-blue-500 transition-colors'
+              )}
+            >
+              <Plus className="w-4 h-4" />
+              Crear presupuesto
+            </button>
+          </div>
+
+          {isModalOpen && (
+            <div className="fixed inset-0 z-50 flex items-center justify-center p-4">
+              <div
+                className="absolute inset-0 bg-black/60 backdrop-blur-sm"
+                onClick={handleCloseModal}
+              />
+              <div className="relative bg-slate-900 border border-slate-700 rounded-xl shadow-2xl w-full max-w-md max-h-[90vh] overflow-y-auto">
+                <div className="p-6">
+                  <h2 className="text-xl font-bold text-white mb-4">
+                    Nuevo presupuesto
+                  </h2>
+                  <BudgetForm
+                    onSubmit={handleSubmit}
+                    onCancel={handleCloseModal}
+                  />
+                </div>
+              </div>
+            </div>
+          )}
+        </div>
+      </div>
+    )
+  }
+
+  return (
+    <div className="bg-slate-900 min-h-screen p-6">
+      <div className="max-w-4xl mx-auto">
+        {/* Header */}
+        <div className="flex items-center justify-between mb-6">
+          <div>
+            <h1 className="text-2xl font-bold text-white">Presupuesto Mensual</h1>
+            <p className="text-slate-400 text-sm mt-1">
+              {getMonthName(currentMonth)} {currentYear}
+            </p>
+          </div>
+          <button
+            onClick={handleEditBudget}
+            className={cn(
+              'flex items-center gap-2 px-4 py-2 bg-slate-700 text-white rounded-lg font-medium',
+              'hover:bg-slate-600 transition-colors'
+            )}
+          >
+            <Edit3 className="w-4 h-4" />
+            Editar
+          </button>
+        </div>
+
+        {/* Summary Cards */}
+        <div className="grid grid-cols-2 md:grid-cols-4 gap-4 mb-6">
+          <BudgetCard
+            label="Ingresos totales"
+            amount={totalIncome}
+            trend="up"
+            color="text-emerald-400"
+          />
+          <BudgetCard
+            label="Meta de ahorro"
+            amount={savingsGoal}
+            trend="neutral"
+            color="text-blue-400"
+          />
+          <BudgetCard
+            label="Gastado"
+            amount={totalSpent}
+            trend={totalSpent > availableForExpenses ? 'down' : 'neutral'}
+            color={totalSpent > availableForExpenses ? 'text-red-400' : 'text-amber-400'}
+          />
+          <BudgetCard
+            label="Disponible"
+            amount={remaining}
+            trend={remaining > 0 ? 'up' : 'down'}
+            color={remaining > 0 ? 'text-emerald-400' : 'text-red-400'}
+          />
+        </div>
+
+        {/* Budget Ring and Breakdown */}
+        <div className="grid grid-cols-1 md:grid-cols-2 gap-6 mb-6">
+          {/* Ring */}
+          <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-6 flex items-center justify-center">
+            <BudgetRing
+              spent={totalSpent}
+              total={availableForExpenses}
+              label="Presupuesto mensual"
+            />
+          </div>
+
+          {/* Breakdown */}
+          <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-6">
+            <h3 className="text-lg font-semibold text-white mb-4">Desglose de gastos</h3>
+            <div className="space-y-4">
+              <BudgetProgress
+                current={fixedExpenses}
+                max={availableForExpenses}
+                label="Deudas fijas pendientes"
+              />
+              <BudgetProgress
+                current={variableExpenses}
+                max={availableForExpenses}
+                label="Deudas variables pendientes"
+              />
+              <BudgetProgress
+                current={cardExpenses}
+                max={availableForExpenses}
+                label="Pagos de tarjetas"
+              />
+            </div>
+          </div>
+        </div>
+
+        {/* Projection */}
+        <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-6">
+          <div className="flex items-start gap-3">
+            <div className={cn(
+              'p-2 rounded-lg',
+              projectedEndOfMonth > availableForExpenses ? 'bg-red-500/10' : 'bg-emerald-500/10'
+            )}>
+              {projectedEndOfMonth > availableForExpenses ? (
+                <AlertCircle className="w-5 h-5 text-red-400" />
+              ) : (
+                <TrendingUp className="w-5 h-5 text-emerald-400" />
+              )}
+            </div>
+            <div>
+              <h3 className="text-lg font-semibold text-white">Proyección</h3>
+              <p className="text-slate-400 mt-1">
+                A tu ritmo actual de gasto ({formatCurrency(dailySpendRate)}/día),
+                {projectedEndOfMonth > availableForExpenses ? (
+                  <span className="text-red-400">
+                    {' '}terminarás el mes con un déficit de {formatCurrency(projectedEndOfMonth - availableForExpenses)}.
+                  </span>
+                ) : (
+                  <span className="text-emerald-400">
+                    {' '}terminarás el mes con un superávit de {formatCurrency(availableForExpenses - projectedEndOfMonth)}.
+                  </span>
+                )}
+              </p>
+              <p className="text-slate-500 text-sm mt-2">
+                Quedan {daysRemaining} días en el mes
+              </p>
+            </div>
+          </div>
+        </div>
+      </div>
+
+      {/* Modal */}
+      {isModalOpen && (
+        <div className="fixed inset-0 z-50 flex items-center justify-center p-4">
+          <div
+            className="absolute inset-0 bg-black/60 backdrop-blur-sm"
+            onClick={handleCloseModal}
+          />
+          <div className="relative bg-slate-900 border border-slate-700 rounded-xl shadow-2xl w-full max-w-md max-h-[90vh] overflow-y-auto">
+            <div className="p-6">
+              <h2 className="text-xl font-bold text-white mb-4">
+                {isEditing ? 'Editar presupuesto' : 'Nuevo presupuesto'}
+              </h2>
+              <BudgetForm
+                onSubmit={handleSubmit}
+                onCancel={handleCloseModal}
+                initialData={isEditing ? currentBudget : undefined}
+              />
+            </div>
+          </div>
+        </div>
+      )}
+    </div>
+  )
+}

components/budget/index.ts

@@ -0,0 +1,5 @@
+export { BudgetForm } from './BudgetForm';
+export { BudgetRing } from './BudgetRing';
+export { BudgetProgress } from './BudgetProgress';
+export { BudgetCard } from './BudgetCard';
+export { BudgetSection } from './BudgetSection';

components/cards/CardPaymentForm.tsx

@@ -0,0 +1,255 @@
+'use client'
+
+import { useState } from 'react'
+import { X, Check } from 'lucide-react'
+
+interface CardPaymentFormData {
+  description: string
+  amount: number
+  date: string
+  installments?: {
+    current: number
+    total: number
+  }
+}
+
+interface CardPaymentFormProps {
+  cardId: string
+  onSubmit: (data: CardPaymentFormData) => void
+  onCancel: () => void
+}
+
+export function CardPaymentForm({ cardId, onSubmit, onCancel }: CardPaymentFormProps) {
+  const today = new Date().toISOString().split('T')[0]
+
+  const [formData, setFormData] = useState<CardPaymentFormData>({
+    description: '',
+    amount: 0,
+    date: today,
+    installments: undefined,
+  })
+
+  const [hasInstallments, setHasInstallments] = useState(false)
+  const [errors, setErrors] = useState<Record<string, string>>({})
+
+  const validateForm = (): boolean => {
+    const newErrors: Record<string, string> = {}
+
+    if (!formData.description.trim()) {
+      newErrors.description = 'La descripción es requerida'
+    }
+
+    if (formData.amount <= 0) {
+      newErrors.amount = 'El monto debe ser mayor a 0'
+    }
+
+    if (!formData.date) {
+      newErrors.date = 'La fecha es requerida'
+    }
+
+    if (hasInstallments && formData.installments) {
+      if (formData.installments.current < 1) {
+        newErrors.installmentCurrent = 'La cuota actual debe ser al menos 1'
+      }
+      if (formData.installments.total < 2) {
+        newErrors.installmentTotal = 'El total de cuotas debe ser al menos 2'
+      }
+      if (formData.installments.current > formData.installments.total) {
+        newErrors.installments = 'La cuota actual no puede ser mayor al total'
+      }
+    }
+
+    setErrors(newErrors)
+    return Object.keys(newErrors).length === 0
+  }
+
+  const handleSubmit = (e: React.FormEvent) => {
+    e.preventDefault()
+    if (validateForm()) {
+      onSubmit({
+        ...formData,
+        installments: hasInstallments ? formData.installments : undefined,
+      })
+    }
+  }
+
+  const updateField = (field: keyof CardPaymentFormData, value: string | number) => {
+    setFormData((prev) => ({ ...prev, [field]: value }))
+    if (errors[field]) {
+      setErrors((prev) => {
+        const newErrors = { ...prev }
+        delete newErrors[field]
+        return newErrors
+      })
+    }
+  }
+
+  const updateInstallmentField = (field: 'current' | 'total', value: number) => {
+    setFormData((prev) => ({
+      ...prev,
+      installments: {
+        current: field === 'current' ? value : (prev.installments?.current ?? 1),
+        total: field === 'total' ? value : (prev.installments?.total ?? 1),
+      },
+    }))
+    // Clear related errors
+    setErrors((prev) => {
+      const newErrors = { ...prev }
+      delete newErrors[`installment${field.charAt(0).toUpperCase() + field.slice(1)}`]
+      delete newErrors.installments
+      return newErrors
+    })
+  }
+
+  return (
+    <form onSubmit={handleSubmit} className="space-y-4 rounded-xl bg-slate-800 p-6">
+      <div className="flex items-center justify-between">
+        <h3 className="text-lg font-semibold text-white">Registrar Pago</h3>
+        <button
+          type="button"
+          onClick={onCancel}
+          className="rounded-full p-1 text-slate-400 transition-colors hover:bg-slate-700 hover:text-white"
+        >
+          <X className="h-5 w-5" />
+        </button>
+      </div>
+
+      <div className="grid gap-4">
+        {/* Description */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Descripción
+          </label>
+          <input
+            type="text"
+            value={formData.description}
+            onChange={(e) => updateField('description', e.target.value)}
+            placeholder="Ej: Supermercado Coto"
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white placeholder-slate-400 focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.description && (
+            <p className="mt-1 text-sm text-rose-400">{errors.description}</p>
+          )}
+        </div>
+
+        <div className="grid gap-4 sm:grid-cols-2">
+          {/* Amount */}
+          <div>
+            <label className="mb-1 block text-sm font-medium text-slate-300">
+              Monto
+            </label>
+            <input
+              type="number"
+              min={0}
+              step="0.01"
+              value={formData.amount || ''}
+              onChange={(e) => updateField('amount', parseFloat(e.target.value) || 0)}
+              placeholder="0.00"
+              className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white placeholder-slate-400 focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+            />
+            {errors.amount && (
+              <p className="mt-1 text-sm text-rose-400">{errors.amount}</p>
+            )}
+          </div>
+
+          {/* Date */}
+          <div>
+            <label className="mb-1 block text-sm font-medium text-slate-300">
+              Fecha
+            </label>
+            <input
+              type="date"
+              value={formData.date}
+              onChange={(e) => updateField('date', e.target.value)}
+              className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+            />
+            {errors.date && <p className="mt-1 text-sm text-rose-400">{errors.date}</p>}
+          </div>
+        </div>
+
+        {/* Installments Toggle */}
+        <div className="flex items-center gap-3 rounded-lg border border-slate-700 bg-slate-700/50 p-3">
+          <input
+            type="checkbox"
+            id="hasInstallments"
+            checked={hasInstallments}
+            onChange={(e) => {
+              setHasInstallments(e.target.checked)
+              if (!e.target.checked) {
+                setFormData((prev) => ({ ...prev, installments: undefined }))
+              } else {
+                setFormData((prev) => ({ ...prev, installments: { current: 1, total: 1 } }))
+              }
+            }}
+            className="h-4 w-4 rounded border-slate-500 bg-slate-600 text-indigo-600 focus:ring-indigo-500"
+          />
+          <label htmlFor="hasInstallments" className="text-sm font-medium text-slate-300">
+            Este pago es en cuotas
+          </label>
+        </div>
+
+        {/* Installments Fields */}
+        {hasInstallments && (
+          <div className="grid gap-4 sm:grid-cols-2">
+            <div>
+              <label className="mb-1 block text-sm font-medium text-slate-300">
+                Cuota actual
+              </label>
+              <input
+                type="number"
+                min={1}
+                value={formData.installments?.current || ''}
+                onChange={(e) =>
+                  updateInstallmentField('current', parseInt(e.target.value) || 1)
+                }
+                className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+              />
+              {errors.installmentCurrent && (
+                <p className="mt-1 text-sm text-rose-400">{errors.installmentCurrent}</p>
+              )}
+            </div>
+
+            <div>
+              <label className="mb-1 block text-sm font-medium text-slate-300">
+                Total de cuotas
+              </label>
+              <input
+                type="number"
+                min={2}
+                value={formData.installments?.total || ''}
+                onChange={(e) =>
+                  updateInstallmentField('total', parseInt(e.target.value) || 2)
+                }
+                className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+              />
+              {errors.installmentTotal && (
+                <p className="mt-1 text-sm text-rose-400">{errors.installmentTotal}</p>
+              )}
+            </div>
+          </div>
+        )}
+        {errors.installments && (
+          <p className="text-sm text-rose-400">{errors.installments}</p>
+        )}
+      </div>
+
+      {/* Actions */}
+      <div className="flex justify-end gap-3 pt-4">
+        <button
+          type="button"
+          onClick={onCancel}
+          className="rounded-lg border border-slate-600 px-4 py-2 text-sm font-medium text-slate-300 transition-colors hover:bg-slate-700"
+        >
+          Cancelar
+        </button>
+        <button
+          type="submit"
+          className="flex items-center gap-2 rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white transition-colors hover:bg-indigo-700"
+        >
+          <Check className="h-4 w-4" />
+          Registrar pago
+        </button>
+      </div>
+    </form>
+  )
+}

components/cards/CardSection.tsx

@@ -0,0 +1,325 @@
+'use client'
+
+import { useState, useMemo } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { CreditCardWidget } from './CreditCardWidget'
+import { CreditCardForm } from './CreditCardForm'
+import { CardPaymentForm } from './CardPaymentForm'
+import { MiniCard } from './MiniCard'
+import { CreditCard, CardPayment } from '@/lib/types'
+import { formatCurrency, formatShortDate, getMonthName } from '@/lib/utils'
+import { Plus, CreditCard as CreditCardIcon, Receipt, Trash2 } from 'lucide-react'
+
+export function CardSection() {
+  const {
+    creditCards,
+    cardPayments,
+    currentMonth,
+    currentYear,
+    addCreditCard,
+    updateCreditCard,
+    deleteCreditCard,
+    addCardPayment,
+    deleteCardPayment,
+  } = useFinanzasStore()
+
+  const [showCardForm, setShowCardForm] = useState(false)
+  const [editingCard, setEditingCard] = useState<CreditCard | null>(null)
+  const [selectedCardId, setSelectedCardId] = useState<string>('')
+  const [showPaymentForm, setShowPaymentForm] = useState(false)
+
+  // Filter payments for current month
+  const currentMonthPayments = useMemo(() => {
+    return cardPayments.filter((payment) => {
+      const paymentDate = new Date(payment.date)
+      return (
+        paymentDate.getMonth() + 1 === currentMonth &&
+        paymentDate.getFullYear() === currentYear
+      )
+    })
+  }, [cardPayments, currentMonth, currentYear])
+
+  const handleCardSubmit = (data: Omit<CreditCard, 'id'>) => {
+    if (editingCard) {
+      updateCreditCard(editingCard.id, data)
+      setEditingCard(null)
+    } else {
+      addCreditCard(data)
+    }
+    setShowCardForm(false)
+  }
+
+  const handleEditCard = (card: CreditCard) => {
+    setEditingCard(card)
+    setShowCardForm(true)
+  }
+
+  const handleDeleteCard = (cardId: string) => {
+    if (window.confirm('¿Estás seguro de que deseas eliminar esta tarjeta?')) {
+      deleteCreditCard(cardId)
+      if (selectedCardId === cardId) {
+        setSelectedCardId('')
+        setShowPaymentForm(false)
+      }
+    }
+  }
+
+  const handlePaymentSubmit = (data: {
+    description: string
+    amount: number
+    date: string
+    installments?: { current: number; total: number }
+  }) => {
+    addCardPayment({
+      cardId: selectedCardId,
+      ...data,
+    })
+    setShowPaymentForm(false)
+  }
+
+  const handleDeletePayment = (paymentId: string) => {
+    if (window.confirm('¿Estás seguro de que deseas eliminar este pago?')) {
+      deleteCardPayment(paymentId)
+    }
+  }
+
+  const getCardById = (cardId: string): CreditCard | undefined => {
+    return creditCards.find((card) => card.id === cardId)
+  }
+
+  const getCardTotalPayments = (cardId: string): number => {
+    return currentMonthPayments
+      .filter((payment) => payment.cardId === cardId)
+      .reduce((total, payment) => total + payment.amount, 0)
+  }
+
+  return (
+    <div className="space-y-8">
+      {/* Header */}
+      <div className="flex items-center justify-between">
+        <div className="flex items-center gap-3">
+          <div className="flex h-10 w-10 items-center justify-center rounded-xl bg-indigo-500/20">
+            <CreditCardIcon className="h-5 w-5 text-indigo-400" />
+          </div>
+          <div>
+            <h2 className="text-xl font-semibold text-white">Tarjetas de Crédito</h2>
+            <p className="text-sm text-slate-400">
+              {getMonthName(currentMonth)} {currentYear}
+            </p>
+          </div>
+        </div>
+        <button
+          onClick={() => {
+            setEditingCard(null)
+            setShowCardForm(true)
+          }}
+          className="flex items-center gap-2 rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white transition-colors hover:bg-indigo-700"
+        >
+          <Plus className="h-4 w-4" />
+          Agregar tarjeta
+        </button>
+      </div>
+
+      {/* Cards Grid */}
+      {creditCards.length === 0 ? (
+        <div className="rounded-xl border border-dashed border-slate-600 bg-slate-800/50 p-12 text-center">
+          <CreditCardIcon className="mx-auto h-12 w-12 text-slate-500" />
+          <h3 className="mt-4 text-lg font-medium text-slate-300">
+            No tienes tarjetas registradas
+          </h3>
+          <p className="mt-1 text-sm text-slate-400">
+            Agrega tu primera tarjeta para comenzar a gestionar tus pagos
+          </p>
+          <button
+            onClick={() => {
+              setEditingCard(null)
+              setShowCardForm(true)
+            }}
+            className="mt-4 rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white transition-colors hover:bg-indigo-700"
+          >
+            Agregar tarjeta
+          </button>
+        </div>
+      ) : (
+        <div className="grid gap-6 sm:grid-cols-2 lg:grid-cols-3">
+          {creditCards.map((card) => (
+            <CreditCardWidget
+              key={card.id}
+              card={card}
+              onEdit={() => handleEditCard(card)}
+              onDelete={() => handleDeleteCard(card.id)}
+            />
+          ))}
+        </div>
+      )}
+
+      {/* Card Form Modal */}
+      {showCardForm && (
+        <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/70 p-4 backdrop-blur-sm">
+          <div className="w-full max-w-lg">
+            <CreditCardForm
+              initialData={editingCard ?? undefined}
+              onSubmit={handleCardSubmit}
+              onCancel={() => {
+                setShowCardForm(false)
+                setEditingCard(null)
+              }}
+            />
+          </div>
+        </div>
+      )}
+
+      {/* Payment Section */}
+      {creditCards.length > 0 && (
+        <div className="grid gap-6 lg:grid-cols-2">
+          {/* Register Payment */}
+          <div className="rounded-xl bg-slate-800 p-6">
+            <div className="mb-4 flex items-center gap-3">
+              <div className="flex h-8 w-8 items-center justify-center rounded-lg bg-emerald-500/20">
+                <Receipt className="h-4 w-4 text-emerald-400" />
+              </div>
+              <h3 className="text-lg font-semibold text-white">Registrar Pago</h3>
+            </div>
+
+            {/* Card Selector */}
+            <div className="mb-4">
+              <label className="mb-2 block text-sm font-medium text-slate-300">
+                Seleccionar tarjeta
+              </label>
+              <div className="space-y-2 max-h-48 overflow-y-auto">
+                {creditCards.map((card) => (
+                  <MiniCard
+                    key={card.id}
+                    card={card}
+                    selected={selectedCardId === card.id}
+                    onClick={() => {
+                      setSelectedCardId(card.id)
+                      setShowPaymentForm(true)
+                    }}
+                  />
+                ))}
+              </div>
+            </div>
+
+            {/* Payment Form */}
+            {showPaymentForm && selectedCardId && (
+              <CardPaymentForm
+                cardId={selectedCardId}
+                onSubmit={handlePaymentSubmit}
+                onCancel={() => {
+                  setShowPaymentForm(false)
+                  setSelectedCardId('')
+                }}
+              />
+            )}
+          </div>
+
+          {/* Recent Payments */}
+          <div className="rounded-xl bg-slate-800 p-6">
+            <div className="mb-4 flex items-center gap-3">
+              <div className="flex h-8 w-8 items-center justify-center rounded-lg bg-amber-500/20">
+                <Receipt className="h-4 w-4 text-amber-400" />
+              </div>
+              <div>
+                <h3 className="text-lg font-semibold text-white">Pagos del Mes</h3>
+                <p className="text-sm text-slate-400">
+                  Total: {formatCurrency(
+                    currentMonthPayments.reduce((sum, p) => sum + p.amount, 0)
+                  )}
+                </p>
+              </div>
+            </div>
+
+            {currentMonthPayments.length === 0 ? (
+              <div className="rounded-lg border border-dashed border-slate-600 p-8 text-center">
+                <p className="text-sm text-slate-400">
+                  No hay pagos registrados este mes
+                </p>
+              </div>
+            ) : (
+              <div className="space-y-3 max-h-96 overflow-y-auto">
+                {currentMonthPayments
+                  .sort((a, b) => new Date(b.date).getTime() - new Date(a.date).getTime())
+                  .map((payment) => {
+                    const card = getCardById(payment.cardId)
+                    return (
+                      <div
+                        key={payment.id}
+                        className="flex items-center justify-between rounded-lg border border-slate-700 bg-slate-700/50 p-4"
+                      >
+                        <div className="flex items-center gap-3">
+                          {card && (
+                            <div
+                              className="h-8 w-8 shrink-0 rounded-md"
+                              style={{ backgroundColor: card.color }}
+                            />
+                          )}
+                          <div className="min-w-0">
+                            <p className="truncate font-medium text-white">
+                              {payment.description}
+                            </p>
+                            <p className="text-xs text-slate-400">
+                              {card?.name} • {formatShortDate(payment.date)}
+                              {payment.installments && (
+                                <span className="ml-2 text-amber-400">
+                                  Cuota {payment.installments.current}/{payment.installments.total}
+                                </span>
+                              )}
+                            </p>
+                          </div>
+                        </div>
+                        <div className="flex items-center gap-3">
+                          <span className="font-semibold text-white">
+                            {formatCurrency(payment.amount)}
+                          </span>
+                          <button
+                            onClick={() => handleDeletePayment(payment.id)}
+                            className="rounded p-1 text-slate-400 transition-colors hover:bg-rose-500/20 hover:text-rose-400"
+                            aria-label="Eliminar pago"
+                          >
+                            <Trash2 className="h-4 w-4" />
+                          </button>
+                        </div>
+                      </div>
+                    )
+                  })}
+              </div>
+            )}
+
+            {/* Summary by Card */}
+            {currentMonthPayments.length > 0 && (
+              <div className="mt-6 border-t border-slate-700 pt-4">
+                <h4 className="mb-3 text-sm font-medium text-slate-300">
+                  Resumen por tarjeta
+                </h4>
+                <div className="space-y-2">
+                  {creditCards.map((card) => {
+                    const total = getCardTotalPayments(card.id)
+                    if (total === 0) return null
+                    return (
+                      <div
+                        key={card.id}
+                        className="flex items-center justify-between text-sm"
+                      >
+                        <div className="flex items-center gap-2">
+                          <div
+                            className="h-3 w-3 rounded-full"
+                            style={{ backgroundColor: card.color }}
+                          />
+                          <span className="text-slate-300">{card.name}</span>
+                        </div>
+                        <span className="font-medium text-white">
+                          {formatCurrency(total)}
+                        </span>
+                      </div>
+                    )
+                  })}
+                </div>
+              </div>
+            )}
+          </div>
+        </div>
+      )}
+    </div>
+  )
+}

components/cards/CreditCardForm.tsx

@@ -0,0 +1,242 @@
+'use client'
+
+import { useState } from 'react'
+import { CreditCard } from '@/lib/types'
+import { X, Check } from 'lucide-react'
+
+interface CreditCardFormProps {
+  initialData?: Partial<CreditCard>
+  onSubmit: (data: Omit<CreditCard, 'id'>) => void
+  onCancel: () => void
+}
+
+const DEFAULT_COLOR = '#6366f1'
+
+export function CreditCardForm({ initialData, onSubmit, onCancel }: CreditCardFormProps) {
+  const [formData, setFormData] = useState({
+    name: initialData?.name ?? '',
+    lastFourDigits: initialData?.lastFourDigits ?? '',
+    closingDay: initialData?.closingDay ?? 1,
+    dueDay: initialData?.dueDay ?? 10,
+    currentBalance: initialData?.currentBalance ?? 0,
+    creditLimit: initialData?.creditLimit ?? 0,
+    color: initialData?.color ?? DEFAULT_COLOR,
+  })
+
+  const [errors, setErrors] = useState<Record<string, string>>({})
+
+  const validateForm = (): boolean => {
+    const newErrors: Record<string, string> = {}
+
+    if (!formData.name.trim()) {
+      newErrors.name = 'El nombre es requerido'
+    }
+
+    if (!formData.lastFourDigits.trim()) {
+      newErrors.lastFourDigits = 'Los últimos 4 dígitos son requeridos'
+    } else if (!/^\d{4}$/.test(formData.lastFourDigits)) {
+      newErrors.lastFourDigits = 'Debe ser exactamente 4 dígitos numéricos'
+    }
+
+    if (formData.closingDay < 1 || formData.closingDay > 31) {
+      newErrors.closingDay = 'El día debe estar entre 1 y 31'
+    }
+
+    if (formData.dueDay < 1 || formData.dueDay > 31) {
+      newErrors.dueDay = 'El día debe estar entre 1 y 31'
+    }
+
+    if (formData.creditLimit <= 0) {
+      newErrors.creditLimit = 'El límite de crédito debe ser mayor a 0'
+    }
+
+    if (formData.currentBalance < 0) {
+      newErrors.currentBalance = 'El balance no puede ser negativo'
+    }
+
+    setErrors(newErrors)
+    return Object.keys(newErrors).length === 0
+  }
+
+  const handleSubmit = (e: React.FormEvent) => {
+    e.preventDefault()
+    if (validateForm()) {
+      onSubmit(formData)
+    }
+  }
+
+  const updateField = (field: keyof typeof formData, value: string | number) => {
+    setFormData((prev) => ({ ...prev, [field]: value }))
+    // Clear error when user starts typing
+    if (errors[field]) {
+      setErrors((prev) => {
+        const newErrors = { ...prev }
+        delete newErrors[field]
+        return newErrors
+      })
+    }
+  }
+
+  const handleLastFourDigitsChange = (value: string) => {
+    // Only allow digits and max 4 characters
+    const digitsOnly = value.replace(/\D/g, '').slice(0, 4)
+    updateField('lastFourDigits', digitsOnly)
+  }
+
+  return (
+    <form onSubmit={handleSubmit} className="space-y-4 rounded-xl bg-slate-800 p-6">
+      <div className="flex items-center justify-between">
+        <h3 className="text-lg font-semibold text-white">
+          {initialData ? 'Editar Tarjeta' : 'Nueva Tarjeta'}
+        </h3>
+        <button
+          type="button"
+          onClick={onCancel}
+          className="rounded-full p-1 text-slate-400 transition-colors hover:bg-slate-700 hover:text-white"
+        >
+          <X className="h-5 w-5" />
+        </button>
+      </div>
+
+      <div className="grid gap-4 sm:grid-cols-2">
+        {/* Card Name */}
+        <div className="sm:col-span-2">
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Nombre de la tarjeta
+          </label>
+          <input
+            type="text"
+            value={formData.name}
+            onChange={(e) => updateField('name', e.target.value)}
+            placeholder="Ej: Visa Banco Galicia"
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white placeholder-slate-400 focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.name && <p className="mt-1 text-sm text-rose-400">{errors.name}</p>}
+        </div>
+
+        {/* Last 4 Digits */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Últimos 4 dígitos
+          </label>
+          <input
+            type="text"
+            inputMode="numeric"
+            value={formData.lastFourDigits}
+            onChange={(e) => handleLastFourDigitsChange(e.target.value)}
+            placeholder="1234"
+            maxLength={4}
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white placeholder-slate-400 focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.lastFourDigits && (
+            <p className="mt-1 text-sm text-rose-400">{errors.lastFourDigits}</p>
+          )}
+        </div>
+
+        {/* Color Picker */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">Color</label>
+          <div className="flex items-center gap-3">
+            <input
+              type="color"
+              value={formData.color}
+              onChange={(e) => updateField('color', e.target.value)}
+              className="h-10 w-20 cursor-pointer rounded-lg border border-slate-600 bg-slate-700"
+            />
+            <span className="text-sm text-slate-400">{formData.color}</span>
+          </div>
+        </div>
+
+        {/* Closing Day */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Día de cierre
+          </label>
+          <input
+            type="number"
+            min={1}
+            max={31}
+            value={formData.closingDay}
+            onChange={(e) => updateField('closingDay', parseInt(e.target.value) || 1)}
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.closingDay && (
+            <p className="mt-1 text-sm text-rose-400">{errors.closingDay}</p>
+          )}
+        </div>
+
+        {/* Due Day */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Día de vencimiento
+          </label>
+          <input
+            type="number"
+            min={1}
+            max={31}
+            value={formData.dueDay}
+            onChange={(e) => updateField('dueDay', parseInt(e.target.value) || 1)}
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.dueDay && <p className="mt-1 text-sm text-rose-400">{errors.dueDay}</p>}
+        </div>
+
+        {/* Credit Limit */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Límite de crédito
+          </label>
+          <input
+            type="number"
+            min={0}
+            step="0.01"
+            value={formData.creditLimit || ''}
+            onChange={(e) => updateField('creditLimit', parseFloat(e.target.value) || 0)}
+            placeholder="0.00"
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white placeholder-slate-400 focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.creditLimit && (
+            <p className="mt-1 text-sm text-rose-400">{errors.creditLimit}</p>
+          )}
+        </div>
+
+        {/* Current Balance */}
+        <div>
+          <label className="mb-1 block text-sm font-medium text-slate-300">
+            Balance actual
+          </label>
+          <input
+            type="number"
+            min={0}
+            step="0.01"
+            value={formData.currentBalance || ''}
+            onChange={(e) => updateField('currentBalance', parseFloat(e.target.value) || 0)}
+            placeholder="0.00"
+            className="w-full rounded-lg border border-slate-600 bg-slate-700 px-4 py-2 text-white placeholder-slate-400 focus:border-indigo-500 focus:outline-none focus:ring-2 focus:ring-indigo-500/20"
+          />
+          {errors.currentBalance && (
+            <p className="mt-1 text-sm text-rose-400">{errors.currentBalance}</p>
+          )}
+        </div>
+      </div>
+
+      {/* Actions */}
+      <div className="flex justify-end gap-3 pt-4">
+        <button
+          type="button"
+          onClick={onCancel}
+          className="rounded-lg border border-slate-600 px-4 py-2 text-sm font-medium text-slate-300 transition-colors hover:bg-slate-700"
+        >
+          Cancelar
+        </button>
+        <button
+          type="submit"
+          className="flex items-center gap-2 rounded-lg bg-indigo-600 px-4 py-2 text-sm font-medium text-white transition-colors hover:bg-indigo-700"
+        >
+          <Check className="h-4 w-4" />
+          {initialData ? 'Guardar cambios' : 'Crear tarjeta'}
+        </button>
+      </div>
+    </form>
+  )
+}

components/cards/CreditCardWidget.tsx

@@ -0,0 +1,123 @@
+'use client'
+
+import { CreditCard } from '@/lib/types'
+import { formatCurrency, getCardUtilization, getDaysUntil, calculateNextClosingDate, calculateNextDueDate } from '@/lib/utils'
+import { Pencil, Trash2 } from 'lucide-react'
+
+interface CreditCardWidgetProps {
+  card: CreditCard
+  onEdit: () => void
+  onDelete: () => void
+}
+
+export function CreditCardWidget({ card, onEdit, onDelete }: CreditCardWidgetProps) {
+  const utilization = getCardUtilization(card.currentBalance, card.creditLimit)
+  const nextClosing = calculateNextClosingDate(card.closingDay)
+  const nextDue = calculateNextDueDate(card.dueDay)
+  const daysUntilClosing = getDaysUntil(nextClosing)
+  const daysUntilDue = getDaysUntil(nextDue)
+
+  const getUtilizationColor = (util: number): string => {
+    if (util < 30) return 'bg-emerald-500'
+    if (util < 70) return 'bg-amber-500'
+    return 'bg-rose-500'
+  }
+
+  const getUtilizationTextColor = (util: number): string => {
+    if (util < 30) return 'text-emerald-400'
+    if (util < 70) return 'text-amber-400'
+    return 'text-rose-400'
+  }
+
+  return (
+    <div
+      className="relative overflow-hidden rounded-2xl p-6 text-white shadow-lg transition-transform hover:scale-[1.02]"
+      style={{
+        aspectRatio: '1.586',
+        background: `linear-gradient(135deg, ${card.color} 0%, ${adjustColor(card.color, -30)} 100%)`,
+      }}
+    >
+      {/* Decorative circles */}
+      <div className="absolute -right-8 -top-8 h-32 w-32 rounded-full bg-white/10" />
+      <div className="absolute -bottom-12 -left-12 h-40 w-40 rounded-full bg-white/5" />
+
+      {/* Header with card name and actions */}
+      <div className="relative flex items-start justify-between">
+        <h3 className="text-lg font-semibold tracking-wide">{card.name}</h3>
+        <div className="flex gap-1">
+          <button
+            onClick={onEdit}
+            className="rounded-full p-1.5 transition-colors hover:bg-white/20"
+            aria-label="Editar tarjeta"
+          >
+            <Pencil className="h-4 w-4" />
+          </button>
+          <button
+            onClick={onDelete}
+            className="rounded-full p-1.5 transition-colors hover:bg-white/20"
+            aria-label="Eliminar tarjeta"
+          >
+            <Trash2 className="h-4 w-4" />
+          </button>
+        </div>
+      </div>
+
+      {/* Card number */}
+      <div className="relative mt-8">
+        <p className="font-mono text-2xl tracking-widest">
+          **** **** **** {card.lastFourDigits}
+        </p>
+      </div>
+
+      {/* Balance */}
+      <div className="relative mt-6">
+        <p className="text-sm text-white/70">Balance actual</p>
+        <p className="text-2xl font-bold">{formatCurrency(card.currentBalance)}</p>
+      </div>
+
+      {/* Utilization badge */}
+      <div className="relative mt-4 flex items-center gap-3">
+        <div className="flex items-center gap-2 rounded-full bg-black/30 px-3 py-1">
+          <div className={`h-2 w-2 rounded-full ${getUtilizationColor(utilization)}`} />
+          <span className={`text-sm font-medium ${getUtilizationTextColor(utilization)}`}>
+            {utilization.toFixed(0)}% usado
+          </span>
+        </div>
+        <span className="text-sm text-white/60">
+          de {formatCurrency(card.creditLimit)}
+        </span>
+      </div>
+
+      {/* Footer with closing and due dates */}
+      <div className="relative mt-4 flex justify-between text-xs text-white/70">
+        <div>
+          <span className="block">Cierre</span>
+          <span className="font-medium text-white">
+            {card.closingDay} ({daysUntilClosing === 0 ? 'hoy' : daysUntilClosing > 0 ? `en ${daysUntilClosing} días` : `hace ${Math.abs(daysUntilClosing)} días`})
+          </span>
+        </div>
+        <div className="text-right">
+          <span className="block">Vencimiento</span>
+          <span className="font-medium text-white">
+            {card.dueDay} ({daysUntilDue === 0 ? 'hoy' : daysUntilDue > 0 ? `en ${daysUntilDue} días` : `hace ${Math.abs(daysUntilDue)} días`})
+          </span>
+        </div>
+      </div>
+    </div>
+  )
+}
+
+/**
+ * Ajusta el brillo de un color hexadecimal
+ * @param color - Color en formato hex (#RRGGBB)
+ * @param amount - Cantidad a ajustar (negativo para oscurecer, positivo para aclarar)
+ * @returns Color ajustado en formato hex
+ */
+function adjustColor(color: string, amount: number): string {
+  const hex = color.replace('#', '')
+  const r = Math.max(0, Math.min(255, parseInt(hex.substring(0, 2), 16) + amount))
+  const g = Math.max(0, Math.min(255, parseInt(hex.substring(2, 4), 16) + amount))
+  const b = Math.max(0, Math.min(255, parseInt(hex.substring(4, 6), 16) + amount))
+
+  return `#${r.toString(16).padStart(2, '0')}${g.toString(16).padStart(2, '0')}${b.toString(16).padStart(2, '0')}`
+}

components/cards/MiniCard.tsx

@@ -0,0 +1,43 @@
+'use client'
+
+import { CreditCard } from '@/lib/types'
+import { Check } from 'lucide-react'
+
+interface MiniCardProps {
+  card: CreditCard
+  selected?: boolean
+  onClick?: () => void
+}
+
+export function MiniCard({ card, selected = false, onClick }: MiniCardProps) {
+  return (
+    <button
+      type="button"
+      onClick={onClick}
+      className={`flex w-full items-center gap-3 rounded-lg border p-3 text-left transition-all ${
+        selected
+          ? 'border-indigo-500 bg-indigo-500/20 ring-2 ring-indigo-500/30'
+          : 'border-slate-600 bg-slate-800 hover:border-slate-500 hover:bg-slate-700'
+      }`}
+    >
+      {/* Color indicator */}
+      <div
+        className="h-10 w-10 shrink-0 rounded-lg shadow-inner"
+        style={{ backgroundColor: card.color }}
+      />
+
+      {/* Card info */}
+      <div className="min-w-0 flex-1">
+        <p className="truncate font-medium text-white">{card.name}</p>
+        <p className="text-sm text-slate-400">**** {card.lastFourDigits}</p>
+      </div>
+
+      {/* Selected indicator */}
+      {selected && (
+        <div className="flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-indigo-500">
+          <Check className="h-4 w-4 text-white" />
+        </div>
+      )}
+    </button>
+  )
+}

components/cards/index.ts

@@ -0,0 +1,5 @@
+export { CreditCardWidget } from './CreditCardWidget'
+export { CreditCardForm } from './CreditCardForm'
+export { CardPaymentForm } from './CardPaymentForm'
+export { MiniCard } from './MiniCard'
+export { CardSection } from './CardSection'

components/dashboard/DashboardHeader.tsx

@@ -0,0 +1,63 @@
+'use client'
+
+import { RefreshCw } from 'lucide-react'
+import { getMonthName } from '@/lib/utils'
+import { cn } from '@/lib/utils'
+
+interface DashboardHeaderProps {
+  onRefresh?: () => void
+  isRefreshing?: boolean
+}
+
+export function DashboardHeader({
+  onRefresh,
+  isRefreshing = false,
+}: DashboardHeaderProps) {
+  const now = new Date()
+  const currentMonth = now.getMonth() + 1
+  const currentYear = now.getFullYear()
+  const monthName = getMonthName(currentMonth)
+
+  // Formatear fecha actual
+  const formattedDate = new Intl.DateTimeFormat('es-AR', {
+    weekday: 'long',
+    day: 'numeric',
+    month: 'long',
+    year: 'numeric',
+  }).format(now)
+
+  return (
+    <div className="flex flex-col gap-4 border-b border-slate-700 bg-slate-800/50 px-6 py-4 sm:flex-row sm:items-center sm:justify-between">
+      <div>
+        <h1 className="text-2xl font-bold text-white">
+          Dashboard
+          <span className="ml-2 text-lg font-normal text-slate-400">
+            {monthName} {currentYear}
+          </span>
+        </h1>
+        <p className="mt-1 text-sm capitalize text-slate-400">
+          {formattedDate}
+        </p>
+      </div>
+
+      {onRefresh && (
+        <button
+          onClick={onRefresh}
+          disabled={isRefreshing}
+          className={cn(
+            'inline-flex items-center gap-2 rounded-lg border border-slate-600',
+            'bg-slate-700 px-4 py-2 text-sm font-medium text-white',
+            'transition-colors hover:bg-slate-600',
+            'focus:outline-none focus:ring-2 focus:ring-emerald-500 focus:ring-offset-2 focus:ring-offset-slate-800',
+            'disabled:cursor-not-allowed disabled:opacity-50'
+          )}
+        >
+          <RefreshCw
+            className={cn('h-4 w-4', isRefreshing && 'animate-spin')}
+          />
+          {isRefreshing ? 'Actualizando...' : 'Actualizar'}
+        </button>
+      )}
+    </div>
+  )
+}

components/dashboard/ExpenseChart.tsx

@@ -0,0 +1,168 @@
+'use client'
+
+import { PieChart, Pie, Cell, Tooltip, ResponsiveContainer } from 'recharts'
+import { FixedDebt, VariableDebt } from '@/lib/types'
+import { formatCurrency } from '@/lib/utils'
+
+interface ExpenseChartProps {
+  fixedDebts: FixedDebt[]
+  variableDebts: VariableDebt[]
+}
+
+// Colores por categoría
+const CATEGORY_COLORS: Record<string, string> = {
+  // Deudas fijas
+  housing: '#10b981', // emerald-500
+  services: '#3b82f6', // blue-500
+  subscription: '#8b5cf6', // violet-500
+  other: '#64748b', // slate-500
+  // Deudas variables
+  shopping: '#f59e0b', // amber-500
+  food: '#ef4444', // red-500
+  entertainment: '#ec4899', // pink-500
+  health: '#06b6d4', // cyan-500
+  transport: '#84cc16', // lime-500
+}
+
+// Nombres de categorías en español
+const CATEGORY_NAMES: Record<string, string> = {
+  housing: 'Vivienda',
+  services: 'Servicios',
+  subscription: 'Suscripciones',
+  other: 'Otros',
+  shopping: 'Compras',
+  food: 'Comida',
+  entertainment: 'Entretenimiento',
+  health: 'Salud',
+  transport: 'Transporte',
+}
+
+interface ChartData {
+  name: string
+  value: number
+  color: string
+  category: string
+}
+
+export function ExpenseChart({ fixedDebts, variableDebts }: ExpenseChartProps) {
+  // Agrupar gastos por categoría
+  const categoryTotals = new Map<string, number>()
+
+  // Agregar deudas fijas no pagadas
+  fixedDebts
+    .filter((debt) => !debt.isPaid)
+    .forEach((debt) => {
+      const current = categoryTotals.get(debt.category) || 0
+      categoryTotals.set(debt.category, current + debt.amount)
+    })
+
+  // Agregar deudas variables no pagadas
+  variableDebts
+    .filter((debt) => !debt.isPaid)
+    .forEach((debt) => {
+      const current = categoryTotals.get(debt.category) || 0
+      categoryTotals.set(debt.category, current + debt.amount)
+    })
+
+  // Convertir a formato de datos para el gráfico
+  const data: ChartData[] = Array.from(categoryTotals.entries())
+    .map(([category, value]) => ({
+      name: CATEGORY_NAMES[category] || category,
+      value,
+      color: CATEGORY_COLORS[category] || '#64748b',
+      category,
+    }))
+    .filter((item) => item.value > 0)
+    .sort((a, b) => b.value - a.value)
+
+  // Calcular total
+  const total = data.reduce((sum, item) => sum + item.value, 0)
+
+  if (data.length === 0) {
+    return (
+      <div className="flex h-64 items-center justify-center rounded-xl border border-slate-700 bg-slate-800">
+        <p className="text-slate-500">No hay gastos pendientes</p>
+      </div>
+    )
+  }
+
+  return (
+    <div className="rounded-xl border border-slate-700 bg-slate-800 p-6">
+      <h3 className="mb-4 text-lg font-semibold text-white">
+        Distribución de Gastos
+      </h3>
+
+      <div className="flex flex-col gap-6 lg:flex-row">
+        {/* Gráfico de dona */}
+        <div className="h-64 w-full lg:w-1/2">
+          <ResponsiveContainer width="100%" height="100%">
+            <PieChart>
+              <Pie
+                data={data}
+                cx="50%"
+                cy="50%"
+                innerRadius={60}
+                outerRadius={90}
+                paddingAngle={2}
+                dataKey="value"
+              >
+                {data.map((entry, index) => (
+                  <Cell key={`cell-${index}`} fill={entry.color} />
+                ))}
+              </Pie>
+              <Tooltip
+                formatter={(value) =>
+                  typeof value === 'number' ? formatCurrency(value) : value
+                }
+                contentStyle={{
+                  backgroundColor: '#1e293b',
+                  border: '1px solid #334155',
+                  borderRadius: '8px',
+                  color: '#fff',
+                }}
+              />
+            </PieChart>
+          </ResponsiveContainer>
+        </div>
+
+        {/* Leyenda */}
+        <div className="flex w-full flex-col justify-center gap-3 lg:w-1/2">
+          {data.map((item) => {
+            const percentage = total > 0 ? (item.value / total) * 100 : 0
+            return (
+              <div key={item.category} className="flex items-center gap-3">
+                <div
+                  className="h-4 w-4 rounded-full"
+                  style={{ backgroundColor: item.color }}
+                />
+                <div className="flex-1">
+                  <div className="flex items-center justify-between">
+                    <span className="text-sm font-medium text-slate-300">
+                      {item.name}
+                    </span>
+                    <span className="text-sm text-slate-400">
+                      {percentage.toFixed(1)}%
+                    </span>
+                  </div>
+                  <p className="text-xs text-slate-500">
+                    {formatCurrency(item.value)}
+                  </p>
+                </div>
+              </div>
+            )
+          })}
+
+          {/* Total */}
+          <div className="mt-4 border-t border-slate-700 pt-4">
+            <div className="flex items-center justify-between">
+              <span className="text-sm font-medium text-slate-400">Total</span>
+              <span className="font-mono text-lg font-bold text-emerald-400">
+                {formatCurrency(total)}
+              </span>
+            </div>
+          </div>
+        </div>
+      </div>
+    </div>
+  )
+}

components/dashboard/MetricCard.tsx

@@ -0,0 +1,73 @@
+'use client'
+
+import { LucideIcon, TrendingUp, TrendingDown } from 'lucide-react'
+import { formatCurrency } from '@/lib/utils'
+import { cn } from '@/lib/utils'
+
+interface MetricCardProps {
+  title: string
+  amount: number
+  subtitle?: string
+  trend?: {
+    value: number
+    isPositive: boolean
+  }
+  icon: LucideIcon
+  color?: string
+}
+
+export function MetricCard({
+  title,
+  amount,
+  subtitle,
+  trend,
+  icon: Icon,
+  color = 'text-emerald-400',
+}: MetricCardProps) {
+  return (
+    <div className="relative overflow-hidden rounded-xl border border-slate-700 bg-slate-800 p-6 shadow-lg">
+      {/* Icono en esquina superior derecha */}
+      <div className={cn('absolute right-4 top-4', color)}>
+        <Icon className="h-10 w-10 opacity-80" />
+      </div>
+
+      {/* Contenido */}
+      <div className="relative">
+        {/* Título */}
+        <h3 className="text-sm font-medium text-slate-400">{title}</h3>
+
+        {/* Monto */}
+        <p className="mt-2 font-mono text-3xl font-bold text-emerald-400">
+          {formatCurrency(amount)}
+        </p>
+
+        {/* Subtítulo */}
+        {subtitle && (
+          <p className="mt-1 text-sm text-slate-500">{subtitle}</p>
+        )}
+
+        {/* Indicador de tendencia */}
+        {trend && (
+          <div className="mt-3 flex items-center gap-1.5">
+            {trend.isPositive ? (
+              <>
+                <TrendingUp className="h-4 w-4 text-emerald-500" />
+                <span className="text-sm font-medium text-emerald-500">
+                  +{trend.value}%
+                </span>
+              </>
+            ) : (
+              <>
+                <TrendingDown className="h-4 w-4 text-rose-500" />
+                <span className="text-sm font-medium text-rose-500">
+                  -{trend.value}%
+                </span>
+              </>
+            )}
+            <span className="text-sm text-slate-500">vs mes anterior</span>
+          </div>
+        )}
+      </div>
+    </div>
+  )
+}

components/dashboard/QuickActions.tsx

@@ -0,0 +1,68 @@
+'use client'
+
+import { Plus, CreditCard, Wallet } from 'lucide-react'
+
+interface QuickActionsProps {
+  onAddDebt: () => void
+  onAddCard: () => void
+  onAddPayment: () => void
+}
+
+interface ActionButton {
+  label: string
+  icon: React.ElementType
+  onClick: () => void
+  color: string
+}
+
+export function QuickActions({
+  onAddDebt,
+  onAddCard,
+  onAddPayment,
+}: QuickActionsProps) {
+  const actions: ActionButton[] = [
+    {
+      label: 'Agregar Deuda',
+      icon: Plus,
+      onClick: onAddDebt,
+      color: 'bg-emerald-500 hover:bg-emerald-600',
+    },
+    {
+      label: 'Nueva Tarjeta',
+      icon: CreditCard,
+      onClick: onAddCard,
+      color: 'bg-blue-500 hover:bg-blue-600',
+    },
+    {
+      label: 'Registrar Pago',
+      icon: Wallet,
+      onClick: onAddPayment,
+      color: 'bg-violet-500 hover:bg-violet-600',
+    },
+  ]
+
+  return (
+    <div className="grid grid-cols-1 gap-4 sm:grid-cols-3">
+      {actions.map((action) => {
+        const Icon = action.icon
+        return (
+          <button
+            key={action.label}
+            onClick={action.onClick}
+            className={`
+              group flex flex-col items-center gap-3 rounded-xl p-6
+              transition-all duration-200 ease-out
+              ${action.color}
+              focus:outline-none focus:ring-2 focus:ring-white/50 focus:ring-offset-2 focus:ring-offset-slate-800
+            `}
+          >
+            <div className="rounded-full bg-white/20 p-4 transition-transform group-hover:scale-110">
+              <Icon className="h-8 w-8 text-white" />
+            </div>
+            <span className="font-medium text-white">{action.label}</span>
+          </button>
+        )
+      })}
+    </div>
+  )
+}

components/dashboard/RecentActivity.tsx

@@ -0,0 +1,168 @@
+'use client'
+
+import { ArrowDownLeft, ArrowUpRight, CreditCard, Wallet } from 'lucide-react'
+import { useFinanzasStore } from '@/lib/store'
+import { formatCurrency, formatShortDate } from '@/lib/utils'
+import { cn } from '@/lib/utils'
+
+interface RecentActivityProps {
+  limit?: number
+}
+
+interface ActivityItem {
+  id: string
+  type: 'fixed_debt' | 'variable_debt' | 'card_payment'
+  title: string
+  amount: number
+  date: string
+  description?: string
+}
+
+export function RecentActivity({ limit = 5 }: RecentActivityProps) {
+  const { fixedDebts, variableDebts, cardPayments, creditCards } =
+    useFinanzasStore()
+
+  // Combinar todas las actividades
+  const activities: ActivityItem[] = [
+    // Deudas fijas recientes
+    ...fixedDebts.slice(0, limit).map((debt) => ({
+      id: debt.id,
+      type: 'fixed_debt' as const,
+      title: debt.name,
+      amount: debt.amount,
+      date: new Date().toISOString(), // Usar fecha actual ya que fixedDebt no tiene fecha de creación
+      description: `Vence el día ${debt.dueDay}`,
+    })),
+
+    // Deudas variables recientes
+    ...variableDebts.slice(0, limit).map((debt) => ({
+      id: debt.id,
+      type: 'variable_debt' as const,
+      title: debt.name,
+      amount: debt.amount,
+      date: debt.date,
+      description: debt.notes,
+    })),
+
+    // Pagos de tarjetas recientes
+    ...cardPayments.slice(0, limit).map((payment) => {
+      const card = creditCards.find((c) => c.id === payment.cardId)
+      return {
+        id: payment.id,
+        type: 'card_payment' as const,
+        title: `Pago - ${card?.name || 'Tarjeta'}`,
+        amount: payment.amount,
+        date: payment.date,
+        description: payment.description,
+      }
+    }),
+  ]
+
+  // Ordenar por fecha (más recientes primero)
+  const sortedActivities = activities
+    .sort(
+      (a, b) => new Date(b.date).getTime() - new Date(a.date).getTime()
+    )
+    .slice(0, limit)
+
+  // Configuración por tipo de actividad
+  const activityConfig = {
+    fixed_debt: {
+      icon: Wallet,
+      label: 'Deuda Fija',
+      color: 'text-amber-400',
+      bgColor: 'bg-amber-400/10',
+    },
+    variable_debt: {
+      icon: ArrowUpRight,
+      label: 'Gasto',
+      color: 'text-rose-400',
+      bgColor: 'bg-rose-400/10',
+    },
+    card_payment: {
+      icon: CreditCard,
+      label: 'Pago Tarjeta',
+      color: 'text-blue-400',
+      bgColor: 'bg-blue-400/10',
+    },
+  }
+
+  if (sortedActivities.length === 0) {
+    return (
+      <div className="rounded-xl border border-slate-700 bg-slate-800 p-6">
+        <h3 className="mb-4 text-lg font-semibold text-white">
+          Actividad Reciente
+        </h3>
+        <div className="flex h-32 items-center justify-center">
+          <p className="text-slate-500">No hay actividad reciente</p>
+        </div>
+      </div>
+    )
+  }
+
+  return (
+    <div className="rounded-xl border border-slate-700 bg-slate-800 p-6">
+      <h3 className="mb-4 text-lg font-semibold text-white">
+        Actividad Reciente
+      </h3>
+
+      <div className="space-y-3">
+        {sortedActivities.map((activity) => {
+          const config = activityConfig[activity.type]
+          const Icon = config.icon
+
+          return (
+            <div
+              key={activity.id}
+              className="flex items-center gap-4 rounded-lg border border-slate-700/50 bg-slate-700/30 p-4 transition-colors hover:bg-slate-700/50"
+            >
+              {/* Icono */}
+              <div
+                className={cn(
+                  'flex h-10 w-10 items-center justify-center rounded-full',
+                  config.bgColor
+                )}
+              >
+                <Icon className={cn('h-5 w-5', config.color)} />
+              </div>
+
+              {/* Contenido */}
+              <div className="flex-1 min-w-0">
+                <div className="flex items-center justify-between gap-2">
+                  <h4 className="truncate font-medium text-white">
+                    {activity.title}
+                  </h4>
+                  <span
+                    className={cn(
+                      'shrink-0 font-mono font-medium',
+                      activity.type === 'card_payment'
+                        ? 'text-emerald-400'
+                        : 'text-rose-400'
+                    )}
+                  >
+                    {activity.type === 'card_payment' ? '+' : '-'}
+                    {formatCurrency(activity.amount)}
+                  </span>
+                </div>
+
+                <div className="mt-1 flex items-center gap-2 text-sm text-slate-400">
+                  <span className={cn('text-xs', config.color)}>
+                    {config.label}
+                  </span>
+                  <span>•</span>
+                  <span>{formatShortDate(activity.date)}</span>
+                  {activity.description && (
+                    <>
+                      <span>•</span>
+                      <span className="truncate">{activity.description}</span>
+                    </>
+                  )}
+                </div>
+              </div>
+            </div>
+          )
+        })}
+      </div>
+    </div>
+  )
+}

components/dashboard/SummarySection.tsx

@@ -0,0 +1,156 @@
+'use client'
+
+import { AlertCircle, CreditCard, PiggyBank, Wallet } from 'lucide-react'
+import { MetricCard } from './MetricCard'
+import { ExpenseChart } from './ExpenseChart'
+import { useFinanzasStore } from '@/lib/store'
+import {
+  calculateTotalFixedDebts,
+  calculateTotalVariableDebts,
+} from '@/lib/utils'
+import {
+  getCurrentMonthBudget,
+  calculateCurrentSpending,
+} from '@/lib/alerts'
+import { cn } from '@/lib/utils'
+
+export function SummarySection() {
+  const {
+    fixedDebts,
+    variableDebts,
+    creditCards,
+    monthlyBudgets,
+    alerts,
+    currentMonth,
+    currentYear,
+  } = useFinanzasStore()
+
+  // Calcular métricas
+  const totalFixedDebts = calculateTotalFixedDebts(fixedDebts)
+  const totalVariableDebts = calculateTotalVariableDebts(variableDebts)
+  const totalPendingDebts = totalFixedDebts + totalVariableDebts
+
+  const totalCardBalance = creditCards.reduce(
+    (sum, card) => sum + card.currentBalance,
+    0
+  )
+
+  const currentBudget = getCurrentMonthBudget(
+    monthlyBudgets,
+    currentMonth,
+    currentYear
+  )
+
+  const currentSpending = calculateCurrentSpending(fixedDebts, variableDebts)
+
+  // Presupuesto disponible (ingresos - gastos actuales)
+  const availableBudget = currentBudget
+    ? currentBudget.totalIncome - currentSpending
+    : 0
+
+  // Meta de ahorro proyectada
+  const projectedSavings = currentBudget
+    ? currentBudget.totalIncome - currentSpending
+    : 0
+
+  const savingsGoal = currentBudget?.savingsGoal || 0
+
+  // Alertas no leídas (primeras 3)
+  const unreadAlerts = alerts
+    .filter((alert) => !alert.isRead)
+    .slice(0, 3)
+
+  // Colores por severidad de alerta
+  const severityColors = {
+    danger: 'border-rose-500 bg-rose-500/10 text-rose-400',
+    warning: 'border-amber-500 bg-amber-500/10 text-amber-400',
+    info: 'border-blue-500 bg-blue-500/10 text-blue-400',
+  }
+
+  return (
+    <div className="space-y-6">
+      {/* Grid de métricas */}
+      <div className="grid grid-cols-1 gap-4 sm:grid-cols-2 lg:grid-cols-4">
+        <MetricCard
+          title="Deudas Pendientes"
+          amount={totalPendingDebts}
+          subtitle={`${fixedDebts.filter((d) => !d.isPaid).length + variableDebts.filter((d) => !d.isPaid).length} pagos pendientes`}
+          icon={Wallet}
+          color="text-rose-400"
+        />
+
+        <MetricCard
+          title="Balance en Tarjetas"
+          amount={totalCardBalance}
+          subtitle={`${creditCards.length} tarjetas activas`}
+          icon={CreditCard}
+          color="text-blue-400"
+        />
+
+        <MetricCard
+          title="Presupuesto Disponible"
+          amount={availableBudget}
+          subtitle={
+            currentBudget
+              ? `de ${currentBudget.totalIncome.toLocaleString('es-AR', {
+                  style: 'currency',
+                  currency: 'ARS',
+                })} ingresos`
+              : 'Sin presupuesto definido'
+          }
+          icon={PiggyBank}
+          color="text-emerald-400"
+        />
+
+        <MetricCard
+          title="Meta de Ahorro"
+          amount={projectedSavings}
+          subtitle={
+            savingsGoal > 0
+              ? `${((projectedSavings / savingsGoal) * 100).toFixed(0)}% de la meta`
+              : 'Sin meta definida'
+          }
+          icon={PiggyBank}
+          color="text-violet-400"
+        />
+      </div>
+
+      {/* Gráfico y alertas */}
+      <div className="grid grid-cols-1 gap-6 lg:grid-cols-2">
+        {/* Gráfico de distribución */}
+        <ExpenseChart fixedDebts={fixedDebts} variableDebts={variableDebts} />
+
+        {/* Alertas destacadas */}
+        <div className="rounded-xl border border-slate-700 bg-slate-800 p-6">
+          <h3 className="mb-4 text-lg font-semibold text-white">
+            Alertas Destacadas
+          </h3>
+
+          {unreadAlerts.length === 0 ? (
+            <div className="flex h-48 items-center justify-center">
+              <p className="text-slate-500">No hay alertas pendientes</p>
+            </div>
+          ) : (
+            <div className="space-y-3">
+              {unreadAlerts.map((alert) => (
+                <div
+                  key={alert.id}
+                  className={cn(
+                    'flex items-start gap-3 rounded-lg border p-4',
+                    severityColors[alert.severity]
+                  )}
+                >
+                  <AlertCircle className="mt-0.5 h-5 w-5 shrink-0" />
+                  <div>
+                    <h4 className="font-medium">{alert.title}</h4>
+                    <p className="mt-1 text-sm opacity-90">{alert.message}</p>
+                  </div>
+                </div>
+              ))}
+            </div>
+          )}
+        </div>
+      </div>
+    </div>
+  )
+}

components/dashboard/index.ts

@@ -0,0 +1,6 @@
+export { MetricCard } from './MetricCard'
+export { DashboardHeader } from './DashboardHeader'
+export { ExpenseChart } from './ExpenseChart'
+export { QuickActions } from './QuickActions'
+export { SummarySection } from './SummarySection'
+export { RecentActivity } from './RecentActivity'

components/debts/DebtCard.tsx

@@ -0,0 +1,140 @@
+'use client'
+
+import { FixedDebt, VariableDebt } from '@/lib/types'
+import { formatCurrency, formatShortDate } from '@/lib/utils'
+import { cn } from '@/lib/utils'
+import { Pencil, Trash2, Check } from 'lucide-react'
+
+interface DebtCardProps {
+  debt: FixedDebt | VariableDebt
+  type: 'fixed' | 'variable'
+  onTogglePaid: () => void
+  onEdit: () => void
+  onDelete: () => void
+}
+
+const fixedCategoryColors: Record<string, string> = {
+  housing: 'bg-blue-500/20 text-blue-400 border-blue-500/30',
+  services: 'bg-yellow-500/20 text-yellow-400 border-yellow-500/30',
+  subscription: 'bg-purple-500/20 text-purple-400 border-purple-500/30',
+  other: 'bg-gray-500/20 text-gray-400 border-gray-500/30',
+}
+
+const variableCategoryColors: Record<string, string> = {
+  shopping: 'bg-pink-500/20 text-pink-400 border-pink-500/30',
+  food: 'bg-orange-500/20 text-orange-400 border-orange-500/30',
+  entertainment: 'bg-indigo-500/20 text-indigo-400 border-indigo-500/30',
+  health: 'bg-red-500/20 text-red-400 border-red-500/30',
+  transport: 'bg-cyan-500/20 text-cyan-400 border-cyan-500/30',
+  other: 'bg-gray-500/20 text-gray-400 border-gray-500/30',
+}
+
+const categoryLabels: Record<string, string> = {
+  housing: 'Vivienda',
+  services: 'Servicios',
+  subscription: 'Suscripción',
+  shopping: 'Compras',
+  food: 'Comida',
+  entertainment: 'Entretenimiento',
+  health: 'Salud',
+  transport: 'Transporte',
+  other: 'Otro',
+}
+
+export function DebtCard({ debt, type, onTogglePaid, onEdit, onDelete }: DebtCardProps) {
+  const isFixed = type === 'fixed'
+  const categoryColors = isFixed ? fixedCategoryColors : variableCategoryColors
+  const categoryColor = categoryColors[debt.category] || categoryColors.other
+
+  const getDueInfo = () => {
+    if (isFixed) {
+      const fixedDebt = debt as FixedDebt
+      return `Vence día ${fixedDebt.dueDay}`
+    } else {
+      const variableDebt = debt as VariableDebt
+      return formatShortDate(variableDebt.date)
+    }
+  }
+
+  return (
+    <div
+      className={cn(
+        'group relative bg-slate-800 border border-slate-700/50 rounded-lg p-4',
+        'transition-all duration-200 hover:border-slate-600',
+        debt.isPaid && 'opacity-60'
+      )}
+    >
+      <div className="flex items-start gap-3">
+        {/* Checkbox */}
+        <button
+          onClick={onTogglePaid}
+          className={cn(
+            'mt-1 w-5 h-5 rounded border-2 flex items-center justify-center',
+            'transition-colors duration-200',
+            debt.isPaid
+              ? 'bg-emerald-500 border-emerald-500'
+              : 'border-slate-500 hover:border-emerald-400'
+          )}
+          aria-label={debt.isPaid ? 'Marcar como no pagada' : 'Marcar como pagada'}
+        >
+          {debt.isPaid && <Check className="w-3 h-3 text-white" />}
+        </button>
+
+        {/* Content */}
+        <div className="flex-1 min-w-0">
+          <div className="flex items-start justify-between gap-2">
+            <div>
+              <h3
+                className={cn(
+                  'text-white font-medium truncate',
+                  debt.isPaid && 'line-through text-slate-400'
+                )}
+              >
+                {debt.name}
+              </h3>
+              <p className="text-slate-400 text-sm mt-0.5">{getDueInfo()}</p>
+            </div>
+            <span className="font-mono text-emerald-400 font-semibold whitespace-nowrap">
+              {formatCurrency(debt.amount)}
+            </span>
+          </div>
+
+          <div className="flex items-center justify-between mt-3">
+            <span
+              className={cn(
+                'inline-flex items-center px-2 py-0.5 rounded text-xs font-medium border',
+                categoryColor
+              )}
+            >
+              {categoryLabels[debt.category] || debt.category}
+            </span>
+
+            {isFixed && (debt as FixedDebt).isAutoDebit && (
+              <span className="text-xs text-slate-500">
+                Débito automático
+              </span>
+            )}
+          </div>
+        </div>
+
+        {/* Actions */}
+        <div className="flex items-center gap-1 opacity-0 group-hover:opacity-100 transition-opacity">
+          <button
+            onClick={onEdit}
+            className="p-1.5 text-slate-400 hover:text-blue-400 hover:bg-blue-500/10 rounded transition-colors"
+            aria-label="Editar"
+          >
+            <Pencil className="w-4 h-4" />
+          </button>
+          <button
+            onClick={onDelete}
+            className="p-1.5 text-slate-400 hover:text-red-400 hover:bg-red-500/10 rounded transition-colors"
+            aria-label="Eliminar"
+          >
+            <Trash2 className="w-4 h-4" />
+          </button>
+        </div>
+      </div>
+    </div>
+  )
+}

components/debts/DebtSection.tsx

@@ -0,0 +1,224 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { FixedDebt, VariableDebt } from '@/lib/types'
+import { DebtCard } from './DebtCard'
+import { FixedDebtForm } from './FixedDebtForm'
+import { VariableDebtForm } from './VariableDebtForm'
+import { Plus, Wallet } from 'lucide-react'
+import { cn, formatCurrency, calculateTotalFixedDebts, calculateTotalVariableDebts } from '@/lib/utils'
+
+type DebtType = 'fixed' | 'variable'
+
+export function DebtSection() {
+  const [activeTab, setActiveTab] = useState<DebtType>('fixed')
+  const [isModalOpen, setIsModalOpen] = useState(false)
+  const [editingDebt, setEditingDebt] = useState<FixedDebt | VariableDebt | null>(null)
+
+  const {
+    fixedDebts,
+    variableDebts,
+    addFixedDebt,
+    updateFixedDebt,
+    deleteFixedDebt,
+    toggleFixedDebtPaid,
+    addVariableDebt,
+    updateVariableDebt,
+    deleteVariableDebt,
+    toggleVariableDebtPaid,
+  } = useFinanzasStore()
+
+  const currentDebts = activeTab === 'fixed' ? fixedDebts : variableDebts
+  const totalUnpaid = activeTab === 'fixed'
+    ? calculateTotalFixedDebts(fixedDebts)
+    : calculateTotalVariableDebts(variableDebts)
+
+  const handleAdd = () => {
+    setEditingDebt(null)
+    setIsModalOpen(true)
+  }
+
+  const handleEdit = (debt: FixedDebt | VariableDebt) => {
+    setEditingDebt(debt)
+    setIsModalOpen(true)
+  }
+
+  const handleCloseModal = () => {
+    setIsModalOpen(false)
+    setEditingDebt(null)
+  }
+
+  const handleSubmitFixed = (data: Omit<FixedDebt, 'id' | 'isPaid'>) => {
+    if (editingDebt?.id) {
+      updateFixedDebt(editingDebt.id, data)
+    } else {
+      addFixedDebt({ ...data, isPaid: false })
+    }
+    handleCloseModal()
+  }
+
+  const handleSubmitVariable = (data: Omit<VariableDebt, 'id' | 'isPaid'>) => {
+    if (editingDebt?.id) {
+      updateVariableDebt(editingDebt.id, data)
+    } else {
+      addVariableDebt({ ...data, isPaid: false })
+    }
+    handleCloseModal()
+  }
+
+  const handleDelete = (debt: FixedDebt | VariableDebt) => {
+    if (confirm('¿Estás seguro de que deseas eliminar esta deuda?')) {
+      if (activeTab === 'fixed') {
+        deleteFixedDebt(debt.id)
+      } else {
+        deleteVariableDebt(debt.id)
+      }
+    }
+  }
+
+  const handleTogglePaid = (debt: FixedDebt | VariableDebt) => {
+    if (activeTab === 'fixed') {
+      toggleFixedDebtPaid(debt.id)
+    } else {
+      toggleVariableDebtPaid(debt.id)
+    }
+  }
+
+  const paidCount = currentDebts.filter(d => d.isPaid).length
+  const unpaidCount = currentDebts.filter(d => !d.isPaid).length
+
+  return (
+    <div className="bg-slate-900 min-h-screen p-6">
+      <div className="max-w-4xl mx-auto">
+        {/* Header */}
+        <div className="flex items-center justify-between mb-6">
+          <div>
+            <h1 className="text-2xl font-bold text-white">Deudas</h1>
+            <p className="text-slate-400 text-sm mt-1">
+              Gestiona tus gastos fijos y variables
+            </p>
+          </div>
+          <button
+            onClick={handleAdd}
+            className={cn(
+              'flex items-center gap-2 px-4 py-2 bg-blue-600 text-white rounded-lg font-medium',
+              'hover:bg-blue-500 transition-colors'
+            )}
+          >
+            <Plus className="w-4 h-4" />
+            Agregar
+          </button>
+        </div>
+
+        {/* Summary Cards */}
+        <div className="grid grid-cols-3 gap-4 mb-6">
+          <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-4">
+            <p className="text-slate-400 text-sm">Total pendiente</p>
+            <p className="text-xl font-mono font-semibold text-emerald-400 mt-1">
+              {formatCurrency(totalUnpaid)}
+            </p>
+          </div>
+          <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-4">
+            <p className="text-slate-400 text-sm">Pagadas</p>
+            <p className="text-xl font-semibold text-blue-400 mt-1">
+              {paidCount}
+            </p>
+          </div>
+          <div className="bg-slate-800 border border-slate-700/50 rounded-lg p-4">
+            <p className="text-slate-400 text-sm">Pendientes</p>
+            <p className="text-xl font-semibold text-orange-400 mt-1">
+              {unpaidCount}
+            </p>
+          </div>
+        </div>
+
+        {/* Tabs */}
+        <div className="flex gap-2 mb-6">
+          <button
+            onClick={() => setActiveTab('fixed')}
+            className={cn(
+              'px-4 py-2 rounded-lg font-medium transition-colors',
+              activeTab === 'fixed'
+                ? 'bg-blue-600 text-white'
+                : 'bg-slate-800 text-slate-400 hover:bg-slate-700 hover:text-white'
+            )}
+          >
+            Fijas ({fixedDebts.length})
+          </button>
+          <button
+            onClick={() => setActiveTab('variable')}
+            className={cn(
+              'px-4 py-2 rounded-lg font-medium transition-colors',
+              activeTab === 'variable'
+                ? 'bg-blue-600 text-white'
+                : 'bg-slate-800 text-slate-400 hover:bg-slate-700 hover:text-white'
+            )}
+          >
+            Variables ({variableDebts.length})
+          </button>
+        </div>
+
+        {/* Debt List */}
+        <div className="space-y-3">
+          {currentDebts.length === 0 ? (
+            <div className="text-center py-16 bg-slate-800/50 border border-slate-700/50 rounded-lg">
+              <Wallet className="w-12 h-12 text-slate-600 mx-auto mb-4" />
+              <h3 className="text-lg font-medium text-slate-300">
+                No hay deudas {activeTab === 'fixed' ? 'fijas' : 'variables'}
+              </h3>
+              <p className="text-slate-500 mt-2">
+                Haz clic en "Agregar" para crear una nueva deuda
+              </p>
+            </div>
+          ) : (
+            currentDebts.map((debt) => (
+              <DebtCard
+                key={debt.id}
+                debt={debt}
+                type={activeTab}
+                onTogglePaid={() => handleTogglePaid(debt)}
+                onEdit={() => handleEdit(debt)}
+                onDelete={() => handleDelete(debt)}
+              />
+            ))
+          )}
+        </div>
+      </div>
+
+      {/* Modal */}
+      {isModalOpen && (
+        <div className="fixed inset-0 z-50 flex items-center justify-center p-4">
+          <div
+            className="absolute inset-0 bg-black/60 backdrop-blur-sm"
+            onClick={handleCloseModal}
+          />
+          <div className="relative bg-slate-900 border border-slate-700 rounded-xl shadow-2xl w-full max-w-md max-h-[90vh] overflow-y-auto">
+            <div className="p-6">
+              <h2 className="text-xl font-bold text-white mb-4">
+                {editingDebt
+                  ? 'Editar deuda'
+                  : activeTab === 'fixed'
+                  ? 'Nueva deuda fija'
+                  : 'Nueva deuda variable'}
+              </h2>
+              {activeTab === 'fixed' ? (
+                <FixedDebtForm
+                  initialData={editingDebt as Partial<FixedDebt> | undefined}
+                  onSubmit={handleSubmitFixed}
+                  onCancel={handleCloseModal}
+                />
+              ) : (
+                <VariableDebtForm
+                  initialData={editingDebt as Partial<VariableDebt> | undefined}
+                  onSubmit={handleSubmitVariable}
+                  onCancel={handleCloseModal}
+                />
+              )}
+            </div>
+          </div>
+        </div>
+      )}
+    </div>
+  )
+}

components/debts/FixedDebtForm.tsx

@@ -0,0 +1,212 @@
+'use client'
+
+import { useState } from 'react'
+import { FixedDebt } from '@/lib/types'
+import { cn } from '@/lib/utils'
+
+interface FixedDebtFormProps {
+  initialData?: Partial<FixedDebt>
+  onSubmit: (data: Omit<FixedDebt, 'id' | 'isPaid'>) => void
+  onCancel: () => void
+}
+
+const categories = [
+  { value: 'housing', label: 'Vivienda' },
+  { value: 'services', label: 'Servicios' },
+  { value: 'subscription', label: 'Suscripción' },
+  { value: 'other', label: 'Otro' },
+] as const
+
+export function FixedDebtForm({ initialData, onSubmit, onCancel }: FixedDebtFormProps) {
+  const [formData, setFormData] = useState({
+    name: initialData?.name || '',
+    amount: initialData?.amount || 0,
+    dueDay: initialData?.dueDay || 1,
+    category: initialData?.category || 'other',
+    isAutoDebit: initialData?.isAutoDebit || false,
+    notes: initialData?.notes || '',
+  })
+
+  const [errors, setErrors] = useState<Record<string, string>>({})
+
+  const validate = (): boolean => {
+    const newErrors: Record<string, string> = {}
+
+    if (!formData.name.trim()) {
+      newErrors.name = 'El nombre es requerido'
+    }
+
+    if (formData.amount <= 0) {
+      newErrors.amount = 'El monto debe ser mayor a 0'
+    }
+
+    if (formData.dueDay < 1 || formData.dueDay > 31) {
+      newErrors.dueDay = 'El día debe estar entre 1 y 31'
+    }
+
+    setErrors(newErrors)
+    return Object.keys(newErrors).length === 0
+  }
+
+  const handleSubmit = (e: React.FormEvent) => {
+    e.preventDefault()
+    if (validate()) {
+      onSubmit(formData)
+    }
+  }
+
+  const updateField = <K extends keyof typeof formData>(
+    field: K,
+    value: typeof formData[K]
+  ) => {
+    setFormData((prev) => ({ ...prev, [field]: value }))
+    if (errors[field]) {
+      setErrors((prev) => {
+        const newErrors = { ...prev }
+        delete newErrors[field]
+        return newErrors
+      })
+    }
+  }
+
+  return (
+    <form onSubmit={handleSubmit} className="space-y-4">
+      <div>
+        <label htmlFor="name" className="block text-sm font-medium text-slate-300 mb-1">
+          Nombre <span className="text-red-400">*</span>
+        </label>
+        <input
+          type="text"
+          id="name"
+          value={formData.name}
+          onChange={(e) => updateField('name', e.target.value)}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+            errors.name ? 'border-red-500' : 'border-slate-600'
+          )}
+          placeholder="Ej: Alquiler, Internet, etc."
+        />
+        {errors.name && <p className="mt-1 text-sm text-red-400">{errors.name}</p>}
+      </div>
+
+      <div className="grid grid-cols-2 gap-4">
+        <div>
+          <label htmlFor="amount" className="block text-sm font-medium text-slate-300 mb-1">
+            Monto <span className="text-red-400">*</span>
+          </label>
+          <input
+            type="number"
+            id="amount"
+            min="0"
+            step="0.01"
+            value={formData.amount || ''}
+            onChange={(e) => updateField('amount', parseFloat(e.target.value) || 0)}
+            className={cn(
+              'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+              'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+              errors.amount ? 'border-red-500' : 'border-slate-600'
+            )}
+            placeholder="0.00"
+          />
+          {errors.amount && <p className="mt-1 text-sm text-red-400">{errors.amount}</p>}
+        </div>
+
+        <div>
+          <label htmlFor="dueDay" className="block text-sm font-medium text-slate-300 mb-1">
+            Día de vencimiento <span className="text-red-400">*</span>
+          </label>
+          <input
+            type="number"
+            id="dueDay"
+            min="1"
+            max="31"
+            value={formData.dueDay}
+            onChange={(e) => updateField('dueDay', parseInt(e.target.value) || 1)}
+            className={cn(
+              'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+              'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+              errors.dueDay ? 'border-red-500' : 'border-slate-600'
+            )}
+            placeholder="1"
+          />
+          {errors.dueDay && <p className="mt-1 text-sm text-red-400">{errors.dueDay}</p>}
+        </div>
+      </div>
+
+      <div>
+        <label htmlFor="category" className="block text-sm font-medium text-slate-300 mb-1">
+          Categoría
+        </label>
+        <select
+          id="category"
+          value={formData.category}
+          onChange={(e) => updateField('category', e.target.value as FixedDebt['category'])}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border border-slate-600 rounded-lg text-white',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500'
+          )}
+        >
+          {categories.map((cat) => (
+            <option key={cat.value} value={cat.value}>
+              {cat.label}
+            </option>
+          ))}
+        </select>
+      </div>
+
+      <div className="flex items-center gap-2">
+        <input
+          type="checkbox"
+          id="isAutoDebit"
+          checked={formData.isAutoDebit}
+          onChange={(e) => updateField('isAutoDebit', e.target.checked)}
+          className="w-4 h-4 rounded border-slate-600 bg-slate-800 text-blue-500 focus:ring-blue-500/50"
+        />
+        <label htmlFor="isAutoDebit" className="text-sm text-slate-300">
+          Tiene débito automático
+        </label>
+      </div>
+
+      <div>
+        <label htmlFor="notes" className="block text-sm font-medium text-slate-300 mb-1">
+          Notas <span className="text-slate-500">(opcional)</span>
+        </label>
+        <textarea
+          id="notes"
+          rows={3}
+          value={formData.notes}
+          onChange={(e) => updateField('notes', e.target.value)}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border border-slate-600 rounded-lg text-white placeholder-slate-500',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+            'resize-none'
+          )}
+          placeholder="Notas adicionales..."
+        />
+      </div>
+
+      <div className="flex gap-3 pt-2">
+        <button
+          type="button"
+          onClick={onCancel}
+          className={cn(
+            'flex-1 px-4 py-2 bg-slate-700 text-slate-200 rounded-lg font-medium',
+            'hover:bg-slate-600 transition-colors'
+          )}
+        >
+          Cancelar
+        </button>
+        <button
+          type="submit"
+          className={cn(
+            'flex-1 px-4 py-2 bg-blue-600 text-white rounded-lg font-medium',
+            'hover:bg-blue-500 transition-colors'
+          )}
+        >
+          {initialData?.id ? 'Guardar cambios' : 'Agregar deuda'}
+        </button>
+      </div>
+    </form>
+  )
+}

components/debts/VariableDebtForm.tsx

@@ -0,0 +1,197 @@
+'use client'
+
+import { useState } from 'react'
+import { VariableDebt } from '@/lib/types'
+import { cn } from '@/lib/utils'
+
+interface VariableDebtFormProps {
+  initialData?: Partial<VariableDebt>
+  onSubmit: (data: Omit<VariableDebt, 'id' | 'isPaid'>) => void
+  onCancel: () => void
+}
+
+const categories = [
+  { value: 'shopping', label: 'Compras' },
+  { value: 'food', label: 'Comida' },
+  { value: 'entertainment', label: 'Entretenimiento' },
+  { value: 'health', label: 'Salud' },
+  { value: 'transport', label: 'Transporte' },
+  { value: 'other', label: 'Otro' },
+] as const
+
+export function VariableDebtForm({ initialData, onSubmit, onCancel }: VariableDebtFormProps) {
+  const [formData, setFormData] = useState({
+    name: initialData?.name || '',
+    amount: initialData?.amount || 0,
+    date: initialData?.date || new Date().toISOString().split('T')[0],
+    category: initialData?.category || 'other',
+    notes: initialData?.notes || '',
+  })
+
+  const [errors, setErrors] = useState<Record<string, string>>({})
+
+  const validate = (): boolean => {
+    const newErrors: Record<string, string> = {}
+
+    if (!formData.name.trim()) {
+      newErrors.name = 'El nombre es requerido'
+    }
+
+    if (formData.amount <= 0) {
+      newErrors.amount = 'El monto debe ser mayor a 0'
+    }
+
+    if (!formData.date) {
+      newErrors.date = 'La fecha es requerida'
+    }
+
+    setErrors(newErrors)
+    return Object.keys(newErrors).length === 0
+  }
+
+  const handleSubmit = (e: React.FormEvent) => {
+    e.preventDefault()
+    if (validate()) {
+      onSubmit(formData)
+    }
+  }
+
+  const updateField = <K extends keyof typeof formData>(
+    field: K,
+    value: typeof formData[K]
+  ) => {
+    setFormData((prev) => ({ ...prev, [field]: value }))
+    if (errors[field]) {
+      setErrors((prev) => {
+        const newErrors = { ...prev }
+        delete newErrors[field]
+        return newErrors
+      })
+    }
+  }
+
+  return (
+    <form onSubmit={handleSubmit} className="space-y-4">
+      <div>
+        <label htmlFor="name" className="block text-sm font-medium text-slate-300 mb-1">
+          Nombre <span className="text-red-400">*</span>
+        </label>
+        <input
+          type="text"
+          id="name"
+          value={formData.name}
+          onChange={(e) => updateField('name', e.target.value)}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+            errors.name ? 'border-red-500' : 'border-slate-600'
+          )}
+          placeholder="Ej: Supermercado, Cena, etc."
+        />
+        {errors.name && <p className="mt-1 text-sm text-red-400">{errors.name}</p>}
+      </div>
+
+      <div className="grid grid-cols-2 gap-4">
+        <div>
+          <label htmlFor="amount" className="block text-sm font-medium text-slate-300 mb-1">
+            Monto <span className="text-red-400">*</span>
+          </label>
+          <input
+            type="number"
+            id="amount"
+            min="0"
+            step="0.01"
+            value={formData.amount || ''}
+            onChange={(e) => updateField('amount', parseFloat(e.target.value) || 0)}
+            className={cn(
+              'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white placeholder-slate-500',
+              'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+              errors.amount ? 'border-red-500' : 'border-slate-600'
+            )}
+            placeholder="0.00"
+          />
+          {errors.amount && <p className="mt-1 text-sm text-red-400">{errors.amount}</p>}
+        </div>
+
+        <div>
+          <label htmlFor="date" className="block text-sm font-medium text-slate-300 mb-1">
+            Fecha <span className="text-red-400">*</span>
+          </label>
+          <input
+            type="date"
+            id="date"
+            value={formData.date}
+            onChange={(e) => updateField('date', e.target.value)}
+            className={cn(
+              'w-full px-3 py-2 bg-slate-800 border rounded-lg text-white',
+              'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+              errors.date ? 'border-red-500' : 'border-slate-600'
+            )}
+          />
+          {errors.date && <p className="mt-1 text-sm text-red-400">{errors.date}</p>}
+        </div>
+      </div>
+
+      <div>
+        <label htmlFor="category" className="block text-sm font-medium text-slate-300 mb-1">
+          Categoría
+        </label>
+        <select
+          id="category"
+          value={formData.category}
+          onChange={(e) => updateField('category', e.target.value as VariableDebt['category'])}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border border-slate-600 rounded-lg text-white',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500'
+          )}
+        >
+          {categories.map((cat) => (
+            <option key={cat.value} value={cat.value}>
+              {cat.label}
+            </option>
+          ))}
+        </select>
+      </div>
+
+      <div>
+        <label htmlFor="notes" className="block text-sm font-medium text-slate-300 mb-1">
+          Notas <span className="text-slate-500">(opcional)</span>
+        </label>
+        <textarea
+          id="notes"
+          rows={3}
+          value={formData.notes}
+          onChange={(e) => updateField('notes', e.target.value)}
+          className={cn(
+            'w-full px-3 py-2 bg-slate-800 border border-slate-600 rounded-lg text-white placeholder-slate-500',
+            'focus:outline-none focus:ring-2 focus:ring-blue-500/50 focus:border-blue-500',
+            'resize-none'
+          )}
+          placeholder="Notas adicionales..."
+        />
+      </div>
+
+      <div className="flex gap-3 pt-2">
+        <button
+          type="button"
+          onClick={onCancel}
+          className={cn(
+            'flex-1 px-4 py-2 bg-slate-700 text-slate-200 rounded-lg font-medium',
+            'hover:bg-slate-600 transition-colors'
+          )}
+        >
+          Cancelar
+        </button>
+        <button
+          type="submit"
+          className={cn(
+            'flex-1 px-4 py-2 bg-blue-600 text-white rounded-lg font-medium',
+            'hover:bg-blue-500 transition-colors'
+          )}
+        >
+          {initialData?.id ? 'Guardar cambios' : 'Agregar deuda'}
+        </button>
+      </div>
+    </form>
+  )
+}

components/debts/index.ts

@@ -0,0 +1,4 @@
+export { DebtCard } from './DebtCard';
+export { DebtSection } from './DebtSection';
+export { FixedDebtForm } from './FixedDebtForm';
+export { VariableDebtForm } from './VariableDebtForm';

components/layout/DashboardLayout.tsx

@@ -0,0 +1,60 @@
+'use client'
+
+import { ReactNode, useEffect } from 'react'
+import { Sidebar, Header, MobileNav } from '@/components/layout'
+import { useSidebar } from '@/app/providers'
+import { useAlerts } from '@/components/alerts'
+
+interface DashboardLayoutProps {
+  children: ReactNode
+  title: string
+}
+
+export function DashboardLayout({ children, title }: DashboardLayoutProps) {
+  const { isOpen, toggle, close, open } = useSidebar()
+  const { unreadCount } = useAlerts()
+
+  // Ensure sidebar is open on desktop mount
+  useEffect(() => {
+    const handleResize = () => {
+      if (window.innerWidth >= 1024) {
+        open()
+      } else {
+        close()
+      }
+    }
+
+    // Initial check
+    handleResize()
+
+    window.addEventListener('resize', handleResize)
+    return () => window.removeEventListener('resize', handleResize)
+  }, [open, close])
+
+  return (
+    <div className="flex min-h-screen bg-slate-950">
+      {/* Sidebar */}
+      <Sidebar
+        isOpen={isOpen}
+        onClose={close}
+        unreadAlertsCount={unreadCount}
+      />
+
+      {/* Main content wrapper */}
+      <div className="flex flex-1 flex-col lg:ml-0 min-w-0">
+        {/* Header */}
+        <Header onMenuClick={toggle} title={title} />
+
+        {/* Page content */}
+        <main className="flex-1 p-4 md:p-6 lg:p-8 pb-24 lg:pb-8">
+          <div className="mx-auto max-w-7xl h-full">
+            {children}
+          </div>
+        </main>
+      </div>
+
+      {/* Mobile Navigation */}
+      <MobileNav unreadAlertsCount={unreadCount} />
+    </div>
+  )
+}

components/layout/Header.tsx

@@ -0,0 +1,57 @@
+'use client';
+
+import { Menu } from 'lucide-react';
+import { format } from 'date-fns';
+import { es } from 'date-fns/locale';
+import { Logo } from './Logo';
+
+interface HeaderProps {
+  onMenuClick: () => void;
+  title: string;
+}
+
+export function Header({ onMenuClick, title }: HeaderProps) {
+  const currentDate = format(new Date(), "EEEE, d 'de' MMMM 'de' yyyy", {
+    locale: es,
+  });
+
+  // Capitalizar primera letra
+  const formattedDate =
+    currentDate.charAt(0).toUpperCase() + currentDate.slice(1);
+
+  return (
+    <header className="sticky top-0 z-30 bg-slate-900/95 backdrop-blur-sm border-b border-slate-800">
+      <div className="flex items-center justify-between h-16 px-4 md:px-6">
+        {/* Left section */}
+        <div className="flex items-center gap-4">
+          <button
+            onClick={onMenuClick}
+            className="lg:hidden p-2 -ml-2 text-slate-400 hover:text-slate-200 hover:bg-slate-800 rounded-lg transition-colors"
+            aria-label="Abrir menú"
+          >
+            <Menu className="w-6 h-6" />
+          </button>
+
+          <div className="flex items-center gap-3">
+            <div className="lg:hidden">
+              <Logo size="sm" showText={false} />
+            </div>
+            <h1 className="text-lg md:text-xl font-semibold text-slate-100">
+              {title}
+            </h1>
+          </div>
+        </div>
+
+        {/* Right section */}
+        <div className="flex items-center gap-4">
+          <div className="hidden md:flex items-center gap-2">
+            <Logo size="sm" showText />
+          </div>
+          <time className="text-sm text-slate-400 hidden sm:block">
+            {formattedDate}
+          </time>
+        </div>
+      </div>
+    </header>
+  );
+}

components/layout/Logo.tsx

@@ -0,0 +1,36 @@
+import { Wallet } from 'lucide-react';
+
+interface LogoProps {
+  size?: 'sm' | 'md' | 'lg';
+  showText?: boolean;
+}
+
+const sizeMap = {
+  sm: {
+    icon: 24,
+    text: 'text-lg',
+  },
+  md: {
+    icon: 32,
+    text: 'text-xl',
+  },
+  lg: {
+    icon: 40,
+    text: 'text-2xl',
+  },
+};
+
+export function Logo({ size = 'md', showText = true }: LogoProps) {
+  const { icon, text } = sizeMap[size];
+
+  return (
+    <div className="flex items-center gap-2">
+      <div className="flex items-center justify-center">
+        <Wallet className="text-emerald-500" size={icon} strokeWidth={2} />
+      </div>
+      {showText && (
+        <span className={`font-bold text-slate-100 ${text}`}>Finanzas</span>
+      )}
+    </div>
+  );
+}

components/layout/MobileNav.tsx

@@ -0,0 +1,72 @@
+'use client';
+
+import {
+  LayoutDashboard,
+  Wallet,
+  CreditCard,
+  PiggyBank,
+  Bell,
+} from 'lucide-react';
+import Link from 'next/link';
+import { usePathname } from 'next/navigation';
+
+interface MobileNavProps {
+  unreadAlertsCount?: number;
+}
+
+const navigationItems = [
+  { name: 'Dashboard', href: '/', icon: LayoutDashboard },
+  { name: 'Deudas', href: '/debts', icon: Wallet },
+  { name: 'Tarjetas', href: '/cards', icon: CreditCard },
+  { name: 'Presupuesto', href: '/budget', icon: PiggyBank },
+  { name: 'Alertas', href: '/alerts', icon: Bell, hasBadge: true },
+];
+
+export function MobileNav({ unreadAlertsCount = 0 }: MobileNavProps) {
+  const pathname = usePathname();
+
+  const isActive = (href: string) => {
+    if (href === '/') {
+      return pathname === '/';
+    }
+    return pathname.startsWith(href);
+  };
+
+  return (
+    <nav className="fixed bottom-0 left-0 right-0 z-40 bg-slate-900 border-t border-slate-800 lg:hidden">
+      <ul className="flex items-center justify-around h-16">
+        {navigationItems.map((item) => {
+          const active = isActive(item.href);
+          const Icon = item.icon;
+
+          return (
+            <li key={item.name} className="flex-1">
+              <Link
+                href={item.href}
+                className={`
+                  flex flex-col items-center justify-center gap-1 py-2
+                  transition-colors relative
+                  ${
+                    active
+                      ? 'text-emerald-500'
+                      : 'text-slate-400 hover:text-slate-300'
+                  }
+                `}
+              >
+                <div className="relative">
+                  <Icon className="w-6 h-6" />
+                  {item.hasBadge && unreadAlertsCount > 0 && (
+                    <span className="absolute -top-1 -right-1 flex items-center justify-center min-w-[16px] h-4 px-1 text-[10px] font-semibold bg-red-500 text-white rounded-full">
+                      {unreadAlertsCount > 99 ? '99+' : unreadAlertsCount}
+                    </span>
+                  )}
+                </div>
+                <span className="text-[10px] font-medium">{item.name}</span>
+              </Link>
+            </li>
+          );
+        })}
+      </ul>
+    </nav>
+  );
+}

components/layout/PageContainer.tsx

@@ -0,0 +1,18 @@
+import { ReactNode } from 'react';
+
+interface PageContainerProps {
+  children: ReactNode;
+  title: string;
+}
+
+export function PageContainer({ children, title }: PageContainerProps) {
+  return (
+    <main className="min-h-screen bg-slate-950">
+      <div className="max-w-7xl mx-auto p-4 md:p-6 lg:p-8 pb-24 lg:pb-8">
+        <div className="space-y-6">
+          {children}
+        </div>
+      </div>
+    </main>
+  );
+}

components/layout/Section.tsx

@@ -0,0 +1,35 @@
+import { ReactNode } from 'react';
+
+interface SectionAction {
+  label: string;
+  onClick: () => void;
+}
+
+interface SectionProps {
+  title: string;
+  children: ReactNode;
+  action?: SectionAction;
+}
+
+export function Section({ title, children, action }: SectionProps) {
+  return (
+    <section className="bg-slate-900 rounded-lg border border-slate-800">
+      <div className="flex items-center justify-between px-4 py-3 md:px-6 md:py-4 border-b border-slate-800">
+        <h2 className="text-base md:text-lg font-semibold text-slate-100">
+          {title}
+        </h2>
+        {action && (
+          <button
+            onClick={action.onClick}
+            className="px-3 py-1.5 text-sm font-medium text-emerald-400 bg-emerald-500/10 hover:bg-emerald-500/20 border border-emerald-500/20 rounded-lg transition-colors"
+          >
+            {action.label}
+          </button>
+        )}
+      </div>
+      <div className="p-4 md:p-6">
+        {children}
+      </div>
+    </section>
+  );
+}

components/layout/Sidebar.tsx

@@ -0,0 +1,152 @@
+'use client';
+
+import {
+  LayoutDashboard,
+  Wallet,
+  CreditCard,
+  PiggyBank,
+  Bell,
+  Lightbulb,
+  Settings,
+  TrendingUp,
+  X,
+  LogOut,
+} from 'lucide-react';
+import Link from 'next/link';
+import { useRouter } from 'next/navigation';
+import { usePathname } from 'next/navigation';
+import { Logo } from './Logo';
+
+interface SidebarProps {
+  isOpen: boolean;
+  onClose: () => void;
+  unreadAlertsCount?: number;
+}
+
+const navigationItems = [
+  { name: 'Dashboard', href: '/', icon: LayoutDashboard },
+  { name: 'Ingresos', href: '/incomes', icon: TrendingUp },
+  { name: 'Deudas', href: '/debts', icon: Wallet },
+  { name: 'Tarjetas', href: '/cards', icon: CreditCard },
+  { name: 'Presupuesto', href: '/budget', icon: PiggyBank },
+  { name: 'Servicios', href: '/services', icon: Lightbulb },
+  { name: 'Configuración', href: '/settings', icon: Settings },
+  { name: 'Alertas', href: '/alerts', icon: Bell, hasBadge: true },
+];
+
+export function Sidebar({
+  isOpen,
+  onClose,
+  unreadAlertsCount = 0,
+}: SidebarProps) {
+  const pathname = usePathname();
+  const router = useRouter();
+
+  const isActive = (href: string) => {
+    if (href === '/') {
+      return pathname === '/';
+    }
+    return pathname.startsWith(href);
+  };
+
+  const handleLogout = async () => {
+    try {
+      await fetch('/api/auth/logout', { method: 'POST' });
+      // Clear local data to avoid leaking to other users
+      localStorage.removeItem('finanzas-storage');
+      router.push('/login');
+      router.refresh();
+    } catch (e) {
+      console.error('Logout failed', e);
+    }
+  };
+
+  return (
+    <>
+      {/* Mobile overlay */}
+      {isOpen && (
+        <div
+          className="fixed inset-0 bg-black/50 z-40 lg:hidden"
+          onClick={onClose}
+          aria-hidden="true"
+        />
+      )}
+
+      {/* Sidebar */}
+      <aside
+        className={`
+          fixed top-0 left-0 z-50 h-full w-64 bg-slate-900 border-r border-slate-800
+          transform transition-transform duration-300 ease-in-out
+          lg:translate-x-0 lg:static lg:h-screen
+          ${isOpen ? 'translate-x-0' : '-translate-x-full'}
+        `}
+      >
+        <div className="flex flex-col h-full">
+          {/* Header */}
+          <div className="flex items-center justify-between p-4 border-b border-slate-800">
+            <Logo size="md" showText />
+            <button
+              onClick={onClose}
+              className="lg:hidden p-2 text-slate-400 hover:text-slate-200 hover:bg-slate-800 rounded-lg transition-colors"
+              aria-label="Cerrar menú"
+            >
+              <X className="w-5 h-5" />
+            </button>
+          </div>
+
+          {/* Navigation */}
+          <nav className="flex-1 overflow-y-auto py-4 px-3">
+            <ul className="space-y-1">
+              {navigationItems.map((item) => {
+                const active = isActive(item.href);
+                const Icon = item.icon;
+
+                return (
+                  <li key={item.name}>
+                    <Link
+                      href={item.href}
+                      onClick={onClose}
+                      className={`
+                        flex items-center gap-3 px-3 py-2.5 rounded-lg text-sm font-medium
+                        transition-colors relative
+                        ${active
+                          ? 'bg-slate-800 text-emerald-400 border-l-2 border-emerald-500'
+                          : 'text-slate-300 hover:bg-slate-800 hover:text-slate-100'
+                        }
+                      `}
+                    >
+                      <Icon className="w-5 h-5 flex-shrink-0" />
+                      <span className="flex-1">{item.name}</span>
+                      {item.hasBadge && unreadAlertsCount > 0 && (
+                        <span className="inline-flex items-center justify-center min-w-[20px] h-5 px-1.5 text-xs font-semibold bg-red-500 text-white rounded-full">
+                          {unreadAlertsCount > 99 ? '99+' : unreadAlertsCount}
+                        </span>
+                      )}
+                    </Link>
+                  </li>
+                );
+              })}
+            </ul>
+
+            <div className="mt-auto px-3 py-3 border-t border-slate-800">
+              <button
+                onClick={handleLogout}
+                className="w-full flex items-center gap-3 px-3 py-2.5 rounded-lg text-sm font-medium text-slate-400 hover:bg-red-500/10 hover:text-red-400 transition-colors"
+              >
+                <LogOut className="w-5 h-5 flex-shrink-0" />
+                <span className="flex-1 text-left">Cerrar Sesión</span>
+              </button>
+            </div>
+          </nav>
+
+          {/* Footer */}
+          <div className="p-4 border-t border-slate-800">
+            <p className="text-xs text-slate-500 text-center">
+              Finanzas v{process.env.NEXT_PUBLIC_APP_VERSION || '1.0.0'}
+            </p>
+          </div>
+        </div>
+      </aside>
+    </>
+  );
+}

components/layout/index.ts

@@ -0,0 +1,6 @@
+export { Sidebar } from './Sidebar';
+export { Header } from './Header';
+export { MobileNav } from './MobileNav';
+export { Logo } from './Logo';
+export { PageContainer } from './PageContainer';
+export { Section } from './Section';

components/modals/AddCardModal.tsx

@@ -0,0 +1,196 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { X, CreditCard, Calendar, DollarSign, Palette } from 'lucide-react'
+import { cn } from '@/lib/utils'
+
+interface AddCardModalProps {
+    isOpen: boolean
+    onClose: () => void
+}
+
+const COLORS = [
+    { name: 'Slate', value: '#64748b' },
+    { name: 'Blue', value: '#3b82f6' },
+    { name: 'Cyan', value: '#06b6d4' },
+    { name: 'Emerald', value: '#10b981' },
+    { name: 'Violet', value: '#8b5cf6' },
+    { name: 'Rose', value: '#f43f5e' },
+    { name: 'Amber', value: '#f59e0b' },
+]
+
+export function AddCardModal({ isOpen, onClose }: AddCardModalProps) {
+    const addCreditCard = useFinanzasStore((state) => state.addCreditCard)
+
+    const [name, setName] = useState('')
+    const [lastFour, setLastFour] = useState('')
+    const [limit, setLimit] = useState('')
+    const [closingDay, setClosingDay] = useState('')
+    const [dueDay, setDueDay] = useState('')
+    const [selectedColor, setSelectedColor] = useState(COLORS[1].value)
+
+    if (!isOpen) return null
+
+    const handleSubmit = (e: React.FormEvent) => {
+        e.preventDefault()
+
+        if (!name || !limit || !closingDay || !dueDay) return
+
+        addCreditCard({
+            name,
+            lastFourDigits: lastFour || '****',
+            closingDay: parseInt(closingDay),
+            dueDay: parseInt(dueDay),
+            currentBalance: 0,
+            creditLimit: parseFloat(limit),
+            color: selectedColor
+        })
+
+        // Reset
+        setName('')
+        setLastFour('')
+        setLimit('')
+        setClosingDay('')
+        setDueDay('')
+        setSelectedColor(COLORS[1].value)
+
+        onClose()
+    }
+
+    return (
+        <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60 backdrop-blur-sm p-4 animate-in fade-in duration-200">
+            <div className="w-full max-w-lg rounded-xl bg-slate-900 border border-slate-800 shadow-2xl overflow-hidden scale-100 animate-in zoom-in-95 duration-200">
+
+                {/* Header */}
+                <div className="flex items-center justify-between p-6 border-b border-slate-800">
+                    <h2 className="text-xl font-semibold text-white flex items-center gap-2">
+                        <CreditCard className="text-cyan-500" /> Nueva Tarjeta
+                    </h2>
+                    <button onClick={onClose} className="text-slate-400 hover:text-white transition-colors">
+                        <X size={20} />
+                    </button>
+                </div>
+
+                <form onSubmit={handleSubmit} className="p-6 space-y-5">
+
+                    {/* Name & Last 4 */}
+                    <div className="grid grid-cols-3 gap-4">
+                        <div className="col-span-2 space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Nombre Banco / Tarjeta</label>
+                            <input
+                                type="text"
+                                placeholder="Ej: Visa Santander"
+                                value={name}
+                                onChange={(e) => setName(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none"
+                                required
+                                autoFocus
+                            />
+                        </div>
+                        <div className="col-span-1 space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Ult. 4 Dig.</label>
+                            <input
+                                type="text"
+                                maxLength={4}
+                                placeholder="1234"
+                                value={lastFour}
+                                onChange={(e) => setLastFour(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none text-center tracking-widest"
+                            />
+                        </div>
+                    </div>
+
+                    {/* Limit */}
+                    <div className="space-y-2">
+                        <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Límite de Crédito</label>
+                        <div className="relative">
+                            <span className="absolute left-4 top-1/2 -translate-y-1/2 text-slate-400 font-semibold">$</span>
+                            <input
+                                type="number"
+                                step="0.01"
+                                placeholder="0.00"
+                                value={limit}
+                                onChange={(e) => setLimit(e.target.value)}
+                                className="w-full pl-8 pr-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white text-lg font-mono outline-none"
+                                required
+                            />
+                        </div>
+                    </div>
+
+                    <div className="grid grid-cols-2 gap-4">
+                        {/* Closing Day */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Día Cierre</label>
+                            <div className="relative">
+                                <input
+                                    type="number"
+                                    min="1"
+                                    max="31"
+                                    placeholder="20"
+                                    value={closingDay}
+                                    onChange={(e) => setClosingDay(e.target.value)}
+                                    className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none"
+                                    required
+                                />
+                                <span className="absolute right-4 top-1/2 -translate-y-1/2 text-slate-500 text-sm">del mes</span>
+                            </div>
+                        </div>
+
+                        {/* Due Day */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Día Vencimiento</label>
+                            <div className="relative">
+                                <input
+                                    type="number"
+                                    min="1"
+                                    max="31"
+                                    placeholder="5"
+                                    value={dueDay}
+                                    onChange={(e) => setDueDay(e.target.value)}
+                                    className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none"
+                                    required
+                                />
+                                <span className="absolute right-4 top-1/2 -translate-y-1/2 text-slate-500 text-sm">del mes</span>
+                            </div>
+                        </div>
+                    </div>
+
+                    {/* Color Picker */}
+                    <div className="space-y-2">
+                        <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-2">
+                            <Palette size={12} /> Color de Tarjeta
+                        </label>
+                        <div className="flex gap-3 overflow-x-auto pb-2">
+                            {COLORS.map((color) => (
+                                <button
+                                    key={color.value}
+                                    type="button"
+                                    onClick={() => setSelectedColor(color.value)}
+                                    className={cn(
+                                        "w-8 h-8 rounded-full border-2 transition-all",
+                                        selectedColor === color.value
+                                            ? "border-white scale-110 shadow-lg"
+                                            : "border-transparent opacity-70 hover:opacity-100 hover:scale-105"
+                                    )}
+                                    style={{ backgroundColor: color.value }}
+                                    title={color.name}
+                                />
+                            ))}
+                        </div>
+                    </div>
+
+                    <div className="pt-2">
+                        <button
+                            type="submit"
+                            className="w-full py-3 bg-cyan-500 hover:bg-cyan-400 text-white font-semibold rounded-lg shadow-lg shadow-cyan-500/20 transition-all active:scale-[0.98]"
+                        >
+                            Crear Tarjeta
+                        </button>
+                    </div>
+
+                </form>
+            </div>
+        </div>
+    )
+}

components/modals/AddDebtModal.tsx

@@ -0,0 +1,232 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { v4 as uuidv4 } from 'uuid'
+import { X, Calendar, DollarSign, Tag, FileText, CheckCircle2 } from 'lucide-react'
+import { cn } from '@/lib/utils'
+
+interface AddDebtModalProps {
+    isOpen: boolean
+    onClose: () => void
+}
+
+type DebtType = 'fixed' | 'variable'
+
+export function AddDebtModal({ isOpen, onClose }: AddDebtModalProps) {
+    const [activeTab, setActiveTab] = useState<DebtType>('variable')
+    const [name, setName] = useState('')
+    const [amount, setAmount] = useState('')
+    const [dateStr, setDateStr] = useState(new Date().toISOString().split('T')[0]) // For variable: YYYY-MM-DD
+    const [dueDay, setDueDay] = useState('1') // For fixed: 1-31
+    const [categoryFixed, setCategoryFixed] = useState('housing')
+    const [categoryVariable, setCategoryVariable] = useState('shopping')
+    const [isAutoDebit, setIsAutoDebit] = useState(false)
+    const [notes, setNotes] = useState('')
+
+    const addFixedDebt = useFinanzasStore((state) => state.addFixedDebt)
+    const addVariableDebt = useFinanzasStore((state) => state.addVariableDebt)
+
+    if (!isOpen) return null
+
+    const handleSubmit = (e: React.FormEvent) => {
+        e.preventDefault()
+
+        if (!name || !amount) return
+
+        const numAmount = parseFloat(amount)
+        if (isNaN(numAmount)) return
+
+        if (activeTab === 'fixed') {
+            addFixedDebt({
+                name,
+                amount: numAmount,
+                dueDay: parseInt(dueDay),
+                category: categoryFixed as any,
+                isAutoDebit,
+                isPaid: false,
+                notes: notes || undefined
+            })
+        } else {
+            addVariableDebt({
+                name,
+                amount: numAmount,
+                date: new Date(dateStr).toISOString(),
+                category: categoryVariable as any,
+                isPaid: false,
+                notes: notes || undefined
+            })
+        }
+
+        // Reset and Close
+        setName('')
+        setAmount('')
+        setNotes('')
+        onClose()
+    }
+
+    return (
+        <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60 backdrop-blur-sm p-4 animate-in fade-in duration-200">
+            <div className="w-full max-w-lg rounded-xl bg-slate-900 border border-slate-800 shadow-2xl overflow-hidden scale-100 animate-in zoom-in-95 duration-200">
+
+                {/* Header */}
+                <div className="flex items-center justify-between p-6 border-b border-slate-800">
+                    <h2 className="text-xl font-semibold text-white">Agregar Gasto / Deuda</h2>
+                    <button onClick={onClose} className="text-slate-400 hover:text-white transition-colors">
+                        <X size={20} />
+                    </button>
+                </div>
+
+                {/* Tabs */}
+                <div className="flex p-1 mx-6 mt-6 bg-slate-800/50 rounded-lg">
+                    <button
+                        onClick={() => setActiveTab('variable')}
+                        className={cn(
+                            "flex-1 py-2 text-sm font-medium rounded-md transition-all duration-200",
+                            activeTab === 'variable' ? "bg-cyan-500 text-white shadow-lg" : "text-slate-400 hover:text-white"
+                        )}
+                    >
+                        Variable (Único)
+                    </button>
+                    <button
+                        onClick={() => setActiveTab('fixed')}
+                        className={cn(
+                            "flex-1 py-2 text-sm font-medium rounded-md transition-all duration-200",
+                            activeTab === 'fixed' ? "bg-cyan-500 text-white shadow-lg" : "text-slate-400 hover:text-white"
+                        )}
+                    >
+                        Fijo (Recurrente)
+                    </button>
+                </div>
+
+                <form onSubmit={handleSubmit} className="p-6 space-y-5">
+
+                    {/* Amount Input */}
+                    <div className="space-y-2">
+                        <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Monto</label>
+                        <div className="relative">
+                            <span className="absolute left-4 top-1/2 -translate-y-1/2 text-slate-400 font-semibold">$</span>
+                            <input
+                                type="number"
+                                step="0.01"
+                                placeholder="0.00"
+                                value={amount}
+                                onChange={(e) => setAmount(e.target.value)}
+                                className="w-full pl-8 pr-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white text-lg font-mono outline-none transition-all placeholder:text-slate-600"
+                                required
+                                autoFocus
+                            />
+                        </div>
+                    </div>
+
+                    {/* Name Input */}
+                    <div className="space-y-2">
+                        <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Descripción</label>
+                        <input
+                            type="text"
+                            placeholder="Ej: Supermercado Coto, Netflix, Alquiler"
+                            value={name}
+                            onChange={(e) => setName(e.target.value)}
+                            className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none transition-all placeholder:text-slate-600"
+                            required
+                        />
+                    </div>
+
+                    <div className="grid grid-cols-2 gap-4">
+
+                        {/* Category Select */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-1">
+                                <Tag size={12} /> Categoría
+                            </label>
+                            <select
+                                value={activeTab === 'fixed' ? categoryFixed : categoryVariable}
+                                onChange={(e) => activeTab === 'fixed' ? setCategoryFixed(e.target.value) : setCategoryVariable(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none appearance-none cursor-pointer"
+                            >
+                                {activeTab === 'fixed' ? (
+                                    <>
+                                        <option value="housing">Vivienda</option>
+                                        <option value="services">Servicios</option>
+                                        <option value="subscription">Suscripciones</option>
+                                        <option value="other">Otro</option>
+                                    </>
+                                ) : (
+                                    <>
+                                        <option value="food">Comida / Super</option>
+                                        <option value="shopping">Compras</option>
+                                        <option value="transport">Transporte</option>
+                                        <option value="health">Salud</option>
+                                        <option value="entertainment">Entretenimiento</option>
+                                        <option value="other">Otro</option>
+                                    </>
+                                )}
+                            </select>
+                        </div>
+
+                        {/* Date/DueDay Input */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-1">
+                                <Calendar size={12} /> {activeTab === 'fixed' ? 'Día Vencimiento' : 'Fecha'}
+                            </label>
+                            {activeTab === 'fixed' ? (
+                                <div className="relative">
+                                    <input
+                                        type="number"
+                                        min="1"
+                                        max="31"
+                                        value={dueDay}
+                                        onChange={(e) => setDueDay(e.target.value)}
+                                        className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none"
+                                        required
+                                    />
+                                    <span className="absolute right-4 top-1/2 -translate-y-1/2 text-slate-500 text-sm">del mes</span>
+                                </div>
+                            ) : (
+                                <input
+                                    type="date"
+                                    value={dateStr}
+                                    onChange={(e) => setDateStr(e.target.value)}
+                                    className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none [color-scheme:dark]"
+                                    required
+                                />
+                            )}
+                        </div>
+                    </div>
+
+                    {activeTab === 'fixed' && (
+                        <div className="flex items-center gap-2 px-4 py-3 bg-slate-800/30 rounded-lg cursor-pointer" onClick={() => setIsAutoDebit(!isAutoDebit)}>
+                            <div className={cn("w-5 h-5 rounded border flex items-center justify-center transition-colors", isAutoDebit ? "bg-cyan-500 border-cyan-500" : "border-slate-600 bg-transparent")}>
+                                {isAutoDebit && <CheckCircle2 size={14} className="text-white" />}
+                            </div>
+                            <span className="text-sm text-slate-300 select-none">Débito Automático</span>
+                        </div>
+                    )}
+
+                    {/* Notes */}
+                    <div className="space-y-2">
+                        <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-1">
+                            <FileText size={12} /> Notas (Opcional)
+                        </label>
+                        <textarea
+                            value={notes}
+                            onChange={(e) => setNotes(e.target.value)}
+                            placeholder="Detalles adicionales..."
+                            className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none min-h-[80px] text-sm resize-none placeholder:text-slate-600"
+                        />
+                    </div>
+
+                    <div className="pt-2">
+                        <button
+                            type="submit"
+                            className="w-full py-3 bg-cyan-500 hover:bg-cyan-400 text-white font-semibold rounded-lg shadow-lg shadow-cyan-500/20 transition-all active:scale-[0.98]"
+                        >
+                            Agregar {activeTab === 'fixed' ? 'Gasto Fijo' : 'Gasto'}
+                        </button>
+                    </div>
+
+                </form>
+            </div>
+        </div>
+    )
+}

components/modals/AddPaymentModal.tsx

@@ -0,0 +1,203 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { X, CreditCard, DollarSign, Calendar, FileText, Layers } from 'lucide-react'
+import { cn } from '@/lib/utils'
+
+interface AddPaymentModalProps {
+    isOpen: boolean
+    onClose: () => void
+}
+
+export function AddPaymentModal({ isOpen, onClose }: AddPaymentModalProps) {
+    const cards = useFinanzasStore((state) => state.creditCards)
+    const addCardPayment = useFinanzasStore((state) => state.addCardPayment)
+
+    const [selectedCardId, setSelectedCardId] = useState(cards[0]?.id || '')
+    const [description, setDescription] = useState('')
+    const [amount, setAmount] = useState('')
+    const [dateStr, setDateStr] = useState(new Date().toISOString().split('T')[0])
+    const [hasInstallments, setHasInstallments] = useState(false)
+    const [installments, setInstallments] = useState('1')
+    const [totalInstallments, setTotalInstallments] = useState('12')
+
+    if (!isOpen) return null
+
+    // Ensure card selection if cards exist
+    if (!selectedCardId && cards.length > 0) {
+        setSelectedCardId(cards[0].id)
+    }
+
+    const handleSubmit = (e: React.FormEvent) => {
+        e.preventDefault()
+
+        if (!description || !amount || !selectedCardId) return
+
+        addCardPayment({
+            cardId: selectedCardId,
+            amount: parseFloat(amount),
+            date: new Date(dateStr).toISOString(),
+            description,
+            installments: hasInstallments ? {
+                current: parseInt(installments),
+                total: parseInt(totalInstallments)
+            } : undefined
+        })
+
+        // Reset
+        setDescription('')
+        setAmount('')
+        setHasInstallments(false)
+        setInstallments('1')
+        setTotalInstallments('12')
+
+        onClose()
+    }
+
+    return (
+        <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60 backdrop-blur-sm p-4 animate-in fade-in duration-200">
+            <div className="w-full max-w-lg rounded-xl bg-slate-900 border border-slate-800 shadow-2xl overflow-hidden scale-100 animate-in zoom-in-95 duration-200">
+
+                {/* Header */}
+                <div className="flex items-center justify-between p-6 border-b border-slate-800">
+                    <h2 className="text-xl font-semibold text-white">Registrar Consumo / Pago</h2>
+                    <button onClick={onClose} className="text-slate-400 hover:text-white transition-colors">
+                        <X size={20} />
+                    </button>
+                </div>
+
+                {cards.length === 0 ? (
+                    <div className="p-8 text-center space-y-4">
+                        <CreditCard className="mx-auto text-slate-600 mb-2" size={48} />
+                        <h3 className="text-lg font-medium text-white">No tienes tarjetas registradas</h3>
+                        <p className="text-slate-400">Debes agregar una tarjeta antes de registrar pagos.</p>
+                        <button
+                            onClick={onClose}
+                            className="px-4 py-2 bg-slate-800 hover:bg-slate-700 text-white rounded-lg transition"
+                        >
+                            Entendido
+                        </button>
+                    </div>
+                ) : (
+                    <form onSubmit={handleSubmit} className="p-6 space-y-5">
+
+                        {/* Card Selection */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Tarjeta</label>
+                            <div className="grid grid-cols-1 sm:grid-cols-2 gap-3 max-h-[120px] overflow-y-auto pr-1">
+                                {cards.map((card) => (
+                                    <div
+                                        key={card.id}
+                                        onClick={() => setSelectedCardId(card.id)}
+                                        className={cn(
+                                            "cursor-pointer p-3 rounded-lg border flex items-center gap-3 transition-all",
+                                            selectedCardId === card.id
+                                                ? "border-cyan-500 bg-cyan-500/10 ring-1 ring-cyan-500"
+                                                : "border-slate-800 bg-slate-950 hover:border-slate-700"
+                                        )}
+                                    >
+                                        <div className="w-3 h-3 rounded-full" style={{ backgroundColor: card.color }} />
+                                        <div className="flex flex-col truncate">
+                                            <span className="text-sm font-medium text-white truncate">{card.name}</span>
+                                            <span className="text-xs text-slate-500">**** {card.lastFourDigits}</span>
+                                        </div>
+                                    </div>
+                                ))}
+                            </div>
+                        </div>
+
+                        {/* Amount */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Monto</label>
+                            <div className="relative">
+                                <span className="absolute left-4 top-1/2 -translate-y-1/2 text-slate-400 font-semibold">$</span>
+                                <input
+                                    type="number"
+                                    step="0.01"
+                                    placeholder="0.00"
+                                    value={amount}
+                                    onChange={(e) => setAmount(e.target.value)}
+                                    className="w-full pl-8 pr-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white text-lg font-mono outline-none"
+                                    required
+                                    autoFocus
+                                />
+                            </div>
+                        </div>
+
+                        {/* Description */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Descripción</label>
+                            <input
+                                type="text"
+                                placeholder="Ej: Cena McDonalds, Compra ML"
+                                value={description}
+                                onChange={(e) => setDescription(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none"
+                                required
+                            />
+                        </div>
+
+                        {/* Date */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider flex items-center gap-1">
+                                <Calendar size={12} /> Fecha
+                            </label>
+                            <input
+                                type="date"
+                                value={dateStr}
+                                onChange={(e) => setDateStr(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none [color-scheme:dark]"
+                                required
+                            />
+                        </div>
+
+                        {/* Installments Toggle */}
+                        <div className="flex items-center gap-2 px-4 py-3 bg-slate-800/30 rounded-lg cursor-pointer" onClick={() => setHasInstallments(!hasInstallments)}>
+                            <div className={cn("w-5 h-5 rounded border flex items-center justify-center transition-colors", hasInstallments ? "bg-cyan-500 border-cyan-500" : "border-slate-600 bg-transparent")}>
+                                {hasInstallments && <Layers size={14} className="text-white" />}
+                            </div>
+                            <span className="text-sm text-slate-300 select-none">Es una compra en cuotas</span>
+                        </div>
+
+                        {/* Installments Inputs */}
+                        {hasInstallments && (
+                            <div className="grid grid-cols-2 gap-4 animate-in slide-in-from-top-2">
+                                <div className="space-y-2">
+                                    <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Cuota N°</label>
+                                    <input
+                                        type="number"
+                                        min="1"
+                                        value={installments}
+                                        onChange={(e) => setInstallments(e.target.value)}
+                                        className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white"
+                                    />
+                                </div>
+                                <div className="space-y-2">
+                                    <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Total Cuotas</label>
+                                    <input
+                                        type="number"
+                                        min="1"
+                                        value={totalInstallments}
+                                        onChange={(e) => setTotalInstallments(e.target.value)}
+                                        className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg text-white"
+                                    />
+                                </div>
+                            </div>
+                        )}
+
+                        <div className="pt-2">
+                            <button
+                                type="submit"
+                                className="w-full py-3 bg-cyan-500 hover:bg-cyan-400 text-white font-semibold rounded-lg shadow-lg shadow-cyan-500/20 transition-all active:scale-[0.98]"
+                            >
+                                Registrar Pago
+                            </button>
+                        </div>
+
+                    </form>
+                )}
+            </div>
+        </div>
+    )
+}

components/modals/AddServiceModal.tsx

@@ -0,0 +1,177 @@
+'use client'
+
+import { useState } from 'react'
+import { useFinanzasStore } from '@/lib/store'
+import { X, Calendar, Zap, Droplets, Flame, Wifi } from 'lucide-react'
+import { cn } from '@/lib/utils'
+
+interface AddServiceModalProps {
+    isOpen: boolean
+    onClose: () => void
+}
+
+const SERVICES = [
+    { id: 'electricity', label: 'Luz', icon: Zap, color: 'text-yellow-400' },
+    { id: 'water', label: 'Agua', icon: Droplets, color: 'text-blue-400' },
+    { id: 'gas', label: 'Gas', icon: Flame, color: 'text-orange-400' },
+    { id: 'internet', label: 'Internet', icon: Wifi, color: 'text-cyan-400' },
+]
+
+export function AddServiceModal({ isOpen, onClose }: AddServiceModalProps) {
+    const addServiceBill = useFinanzasStore((state) => state.addServiceBill)
+
+    const [type, setType] = useState('electricity')
+    const [amount, setAmount] = useState('')
+    const [usage, setUsage] = useState('')
+    const [period, setPeriod] = useState(new Date().toISOString().slice(0, 7)) // YYYY-MM
+    const [date, setDate] = useState(new Date().toISOString().split('T')[0])
+
+    if (!isOpen) return null
+
+    const getUnit = (serviceType: string) => {
+        switch (serviceType) {
+            case 'electricity': return 'kW'
+            case 'gas': return 'm³'
+            case 'water': return 'm³'
+            default: return ''
+        }
+    }
+
+    const unit = getUnit(type)
+    const showUsage = type !== 'internet'
+
+    const handleSubmit = (e: React.FormEvent) => {
+        e.preventDefault()
+
+        if (!amount) return
+
+        addServiceBill({
+            type: type as any,
+            amount: parseFloat(amount),
+            usage: usage ? parseFloat(usage) : undefined,
+            unit: unit || undefined,
+            date: new Date(date).toISOString(),
+            period: period,
+            notes: ''
+        })
+
+        // Reset
+        setAmount('')
+        setUsage('')
+        onClose()
+    }
+
+    return (
+        <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60 backdrop-blur-sm p-4 animate-in fade-in duration-200">
+            <div className="w-full max-w-lg rounded-xl bg-slate-900 border border-slate-800 shadow-2xl overflow-hidden scale-100 animate-in zoom-in-95 duration-200">
+
+                <div className="flex items-center justify-between p-6 border-b border-slate-800">
+                    <h2 className="text-xl font-semibold text-white">Registrar Factura de Servicio</h2>
+                    <button onClick={onClose} className="text-slate-400 hover:text-white transition-colors">
+                        <X size={20} />
+                    </button>
+                </div>
+
+                <form onSubmit={handleSubmit} className="p-6 space-y-5">
+
+                    {/* Service Type Selection */}
+                    <div className="grid grid-cols-2 sm:grid-cols-4 gap-3">
+                        {SERVICES.map((s) => {
+                            const Icon = s.icon
+                            const isSelected = type === s.id
+                            return (
+                                <div
+                                    key={s.id}
+                                    onClick={() => setType(s.id)}
+                                    className={cn(
+                                        "cursor-pointer p-3 rounded-xl border flex flex-col items-center gap-2 transition-all",
+                                        isSelected
+                                            ? "border-cyan-500 bg-cyan-500/10 ring-1 ring-cyan-500"
+                                            : "border-slate-800 bg-slate-950 hover:border-slate-700 hover:bg-slate-900"
+                                    )}
+                                >
+                                    <Icon className={cn("w-6 h-6", s.color)} />
+                                    <span className={cn("text-xs font-medium", isSelected ? "text-white" : "text-slate-400")}>{s.label}</span>
+                                </div>
+                            )
+                        })}
+                    </div>
+
+                    <div className="grid grid-cols-2 gap-4">
+                        {/* Amount */}
+                        <div className={cn("space-y-2", !showUsage && "col-span-2")}>
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Monto</label>
+                            <div className="relative">
+                                <span className="absolute left-4 top-1/2 -translate-y-1/2 text-slate-400 font-semibold">$</span>
+                                <input
+                                    type="number"
+                                    step="0.01"
+                                    placeholder="0.00"
+                                    value={amount}
+                                    onChange={(e) => setAmount(e.target.value)}
+                                    className="w-full pl-8 pr-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white text-lg font-mono outline-none"
+                                    required
+                                    autoFocus
+                                />
+                            </div>
+                        </div>
+
+                        {/* Usage */}
+                        {showUsage && (
+                            <div className="space-y-2">
+                                <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Consumo ({unit})</label>
+                                <div className="relative">
+                                    <input
+                                        type="number"
+                                        step="0.01"
+                                        placeholder="0"
+                                        value={usage}
+                                        onChange={(e) => setUsage(e.target.value)}
+                                        className="w-full px-4 py-3 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white text-lg font-mono outline-none"
+                                    />
+                                    <span className="absolute right-4 top-1/2 -translate-y-1/2 text-slate-500 text-sm font-medium">{unit}</span>
+                                </div>
+                            </div>
+                        )}
+                    </div>
+
+                    <div className="grid grid-cols-2 gap-4">
+                        {/* Period */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Periodo</label>
+                            <input
+                                type="month"
+                                value={period}
+                                onChange={(e) => setPeriod(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none [color-scheme:dark]"
+                                required
+                            />
+                        </div>
+
+                        {/* Date */}
+                        <div className="space-y-2">
+                            <label className="text-xs font-medium text-slate-400 uppercase tracking-wider">Fecha Pago</label>
+                            <input
+                                type="date"
+                                value={date}
+                                onChange={(e) => setDate(e.target.value)}
+                                className="w-full px-4 py-2.5 bg-slate-950 border border-slate-800 rounded-lg focus:ring-2 focus:ring-cyan-500/50 focus:border-cyan-500 text-white outline-none [color-scheme:dark]"
+                                required
+                            />
+                        </div>
+                    </div>
+
+                    <div className="pt-2">
+                        <button
+                            type="submit"
+                            className="w-full py-3 bg-cyan-500 hover:bg-cyan-400 text-white font-semibold rounded-lg shadow-lg shadow-cyan-500/20 transition-all active:scale-[0.98]"
+                        >
+                            Guardar Factura
+                        </button>
+                    </div>
+
+                </form>
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