diff --git a/backend/app/main.py b/backend/app/main.py
index 19a7cc9..da6f08c 100644
--- a/backend/app/main.py
+++ b/backend/app/main.py
@@ -5,6 +5,7 @@ gebaute Frontend (``web/dist``) aus – hinter dem Nginx Proxy Manager des Nutze
 Beim Start werden die Alembic-Migrationen angewandt und der erste Admin angelegt.
 """
 
+import threading
 from contextlib import asynccontextmanager
 from pathlib import Path
 
@@ -22,6 +23,7 @@ from .routers import (
     auth,
     budgets,
     categories,
+    dashboard,
     rates,
     settings as settings_router,
     transactions,
@@ -44,10 +46,21 @@ async def lifespan(app: FastAPI):
     db = SessionLocal()
     try:
         ensure_first_admin(db)
-        # Best-effort: aktuelle EZB-Kurse nachladen (ohne Internet läuft es weiter).
-        ecb_rates.ensure_rates_on_startup(db, settings.ecb_fetch_on_start)
     finally:
         db.close()
+
+    # EZB-Kurse im HINTERGRUND laden – der Start darf nie darauf warten
+    # (langsames/geblocktes Netz oder hängendes DNS würde den Dienst sonst
+    # blockieren und der Health-Check nie grün werden).
+    if settings.ecb_fetch_on_start:
+        def _laden() -> None:
+            s = SessionLocal()
+            try:
+                ecb_rates.ensure_rates_on_startup(s, True)
+            finally:
+                s.close()
+
+        threading.Thread(target=_laden, name="ecb-rates", daemon=True).start()
     yield
 
 
@@ -89,6 +102,7 @@ api.include_router(accounts.router)
 api.include_router(categories.router)
 api.include_router(transactions.router)
 api.include_router(budgets.router)
+api.include_router(dashboard.router)
 api.include_router(rates.router)
 
 app.include_router(api)
diff --git a/backend/app/models.py b/backend/app/models.py
index 20744c1..3dcca5a 100644
--- a/backend/app/models.py
+++ b/backend/app/models.py
@@ -377,3 +377,20 @@ class BudgetPeriodLine(Base):
     __table_args__ = (
         UniqueConstraint("budget_period_id", "category_id", name="uq_periodline_period_category"),
     )
+
+
+# ---------------------------------------------------------------------------
+# Phase 3: Dashboard-Layout (frei anordbare Karten, JSON, je Benutzer)
+# ---------------------------------------------------------------------------
+
+
+class DashboardLayout(Base):
+    __tablename__ = "dashboard_layouts"
+
+    id: Mapped[int] = mapped_column(Integer, primary_key=True)
+    owner_id: Mapped[int] = mapped_column(
+        ForeignKey("users.id", ondelete="CASCADE"), nullable=False, unique=True, index=True
+    )
+    # JSON-Array: [{i, type, x, y, w, h, props}]
+    layout: Mapped[str] = mapped_column(Text, nullable=False, default="[]")
+    updated_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), default=_now, onupdate=_now)
diff --git a/backend/app/routers/dashboard.py b/backend/app/routers/dashboard.py
new file mode 100644
index 0000000..d10f990
--- /dev/null
+++ b/backend/app/routers/dashboard.py
@@ -0,0 +1,273 @@
+"""Dashboard: pro Nutzer gespeichertes Karten-Layout und die Datenendpunkte je Karte."""
+
+import json
+from collections import defaultdict
+from datetime import date, timedelta
+
+from fastapi import APIRouter, Body, Depends, Query
+from sqlalchemy.orm import Session
+
+from ..database import get_db
+from ..deps import get_current_user
+from ..models import (
+    Account,
+    Category,
+    CategoryGroup,
+    CategoryKind,
+    DashboardLayout,
+    Transaction,
+    TxnType,
+    User,
+)
+from ..services import balances, budget, currency
+from .accounts import base_currency
+from .settings import BUDGET_START_DAY_KEY, get_user_setting
+
+router = APIRouter(prefix="/dashboard", tags=["dashboard"])
+
+# Sinnvolles Standard-Layout (12-Spalten-Raster). Eine Karte je Typ.
+DEFAULT_LAYOUT = [
+    {"i": "account-balances", "type": "account-balances", "x": 0, "y": 0, "w": 4, "h": 5},
+    {"i": "budget-donut", "type": "budget-donut", "x": 4, "y": 0, "w": 4, "h": 5},
+    {"i": "income-expense", "type": "income-expense", "x": 8, "y": 0, "w": 4, "h": 2},
+    {"i": "budget-progress", "type": "budget-progress", "x": 8, "y": 2, "w": 4, "h": 3},
+    {"i": "net-worth", "type": "net-worth", "x": 0, "y": 5, "w": 8, "h": 4},
+    {"i": "recent-transactions", "type": "recent-transactions", "x": 8, "y": 5, "w": 4, "h": 4},
+]
+
+
+def _start_day(db: Session, user: User) -> int:
+    try:
+        return max(1, min(31, int(get_user_setting(db, user, BUDGET_START_DAY_KEY) or "1")))
+    except ValueError:
+        return 1
+
+
+def _label(db: Session, user: User) -> str:
+    return budget.current_label(_start_day(db, user))
+
+
+# --- Layout ----------------------------------------------------------------
+
+
+@router.get("/layout")
+def get_layout(db: Session = Depends(get_db), user: User = Depends(get_current_user)) -> dict:
+    row = db.query(DashboardLayout).filter(DashboardLayout.owner_id == user.id).first()
+    if row is None:
+        return {"layout": DEFAULT_LAYOUT, "default": True}
+    try:
+        layout = json.loads(row.layout)
+    except ValueError:
+        layout = DEFAULT_LAYOUT
+    return {"layout": layout, "default": False}
+
+
+@router.put("/layout")
+def save_layout(
+    layout: list = Body(...),
+    db: Session = Depends(get_db),
+    user: User = Depends(get_current_user),
+) -> dict:
+    row = db.query(DashboardLayout).filter(DashboardLayout.owner_id == user.id).first()
+    if row is None:
+        row = DashboardLayout(owner_id=user.id, layout=json.dumps(layout))
+        db.add(row)
+    else:
+        row.layout = json.dumps(layout)
+    db.commit()
+    return {"layout": layout, "default": False}
+
+
+@router.delete("/layout")
+def reset_layout(db: Session = Depends(get_db), user: User = Depends(get_current_user)) -> dict:
+    row = db.query(DashboardLayout).filter(DashboardLayout.owner_id == user.id).first()
+    if row is not None:
+        db.delete(row)
+        db.commit()
+    return {"layout": DEFAULT_LAYOUT, "default": True}
+
+
+# --- Kartendaten -----------------------------------------------------------
+
+
+def _expense_groups(db: Session, user: User) -> list[CategoryGroup]:
+    return (
+        db.query(CategoryGroup)
+        .filter(CategoryGroup.owner_id == user.id, CategoryGroup.kind == CategoryKind.expense)
+        .order_by(CategoryGroup.position, CategoryGroup.name)
+        .all()
+    )
+
+
+@router.get("/budget-donut")
+def budget_donut(db: Session = Depends(get_db), user: User = Depends(get_current_user)) -> dict:
+    base = base_currency(db, user)
+    label = _label(db, user)
+    start, end = budget.period_bounds(label, _start_day(db, user))
+    planned = budget.effective_planned(db, user, label)
+    groups = _expense_groups(db, user)
+
+    segments = []
+    total = 0
+    for g in groups:
+        val = sum(planned.get(c.id, 0) for c in g.categories if not c.is_archived)
+        if val > 0:
+            segments.append({"name": g.name, "value": val, "color": g.color})
+            total += val
+    mode = "planned"
+    if total == 0:
+        actual = budget.actual_expense_by_category(db, user, start, end, base)
+        for g in groups:
+            val = sum(actual.get(c.id, 0) for c in g.categories if not c.is_archived)
+            if val > 0:
+                segments.append({"name": g.name, "value": val, "color": g.color})
+                total += val
+        mode = "actual"
+    return {"segments": segments, "total": total, "currency": base, "mode": mode, "label": label}
+
+
+@router.get("/budget-progress")
+def budget_progress(db: Session = Depends(get_db), user: User = Depends(get_current_user)) -> dict:
+    base = base_currency(db, user)
+    label = _label(db, user)
+    start, end = budget.period_bounds(label, _start_day(db, user))
+    planned = budget.effective_planned(db, user, label)
+    actual = budget.actual_expense_by_category(db, user, start, end, base)
+    rows = []
+    for g in _expense_groups(db, user):
+        gp = sum(planned.get(c.id, 0) for c in g.categories if not c.is_archived)
+        ga = sum(actual.get(c.id, 0) for c in g.categories if not c.is_archived)
+        if gp > 0 or ga > 0:
+            rows.append({"name": g.name, "color": g.color, "planned": gp, "actual": ga, "over": ga > gp})
+    return {"rows": rows, "currency": base, "label": label}
+
+
+@router.get("/income-expense")
+def income_expense(db: Session = Depends(get_db), user: User = Depends(get_current_user)) -> dict:
+    base = base_currency(db, user)
+    label = _label(db, user)
+    start, end = budget.period_bounds(label, _start_day(db, user))
+    expense = sum(budget.actual_expense_by_category(db, user, start, end, base).values())
+    income = sum(budget.income_by_category(db, user, start, end, base).values())
+    return {"income": income, "expense": expense, "net": income - expense, "currency": base, "label": label}
+
+
+@router.get("/balances")
+def dashboard_balances(db: Session = Depends(get_db), user: User = Depends(get_current_user)) -> dict:
+    base = base_currency(db, user)
+    today = date.today()
+    accounts = (
+        db.query(Account)
+        .filter(Account.owner_id == user.id)
+        .order_by(Account.position, Account.name)
+        .all()
+    )
+    rows = []
+    total = 0
+    for a in accounts:
+        bb = balances.account_balance_base_cents(db, a, base, today)
+        rows.append({
+            "id": a.id, "name": a.name, "icon": a.icon, "color": a.color,
+            "currency": a.currency, "balance_cents": balances.account_balance_cents(db, a),
+            "balance_base_cents": bb, "archived": a.is_archived,
+        })
+        if not a.is_archived:
+            total += bb
+    return {"accounts": rows, "total": total, "currency": base}
+
+
+@router.get("/net-worth")
+def net_worth(
+    days: int = Query(default=90, ge=7, le=365),
+    db: Session = Depends(get_db),
+    user: User = Depends(get_current_user),
+) -> dict:
+    base = base_currency(db, user)
+    end = date.today()
+    start = end - timedelta(days=days - 1)
+
+    accounts = db.query(Account).filter(Account.owner_id == user.id, Account.is_archived == False).all()  # noqa: E712
+    acc_by_id = {a.id: a for a in accounts}
+
+    def to_eur(cents: int, ccy: str, on: date) -> int:
+        v = currency.to_eur_cents(db, cents, ccy, on)
+        return v if v is not None else cents
+
+    opening_eur = sum(to_eur(a.opening_balance_cents, a.currency, a.opening_date or start) for a in accounts)
+
+    def eur_effect(t: Transaction) -> int:
+        if t.type == TxnType.income:
+            return t.amount_eur_cents
+        if t.type == TxnType.expense:
+            return -t.amount_eur_cents
+        # Transfer: Netto-Effekt aufs Vermögen = EUR-Wert Zugang - EUR-Wert Abgang.
+        to_acc = acc_by_id.get(t.to_account_id) if t.to_account_id else None
+        if to_acc is None:
+            return 0  # Zielkonto archiviert/gelöscht: ignorieren
+        credited = t.to_amount_cents if t.to_amount_cents is not None else t.amount_cents
+        return to_eur(credited, to_acc.currency, t.date) - t.amount_eur_cents
+
+    txns = db.query(Transaction).filter(
+        Transaction.owner_id == user.id, Transaction.account_id.in_(list(acc_by_id.keys()) or [0])
+    ).all() if acc_by_id else []
+
+    before = sum(eur_effect(t) for t in txns if t.date < start)
+    deltas: dict[date, int] = defaultdict(int)
+    for t in txns:
+        if start <= t.date <= end:
+            deltas[t.date] += eur_effect(t)
+
+    running = opening_eur + before
+    labels: list[str] = []
+    values_eur: list[int] = []
+    d = start
+    while d <= end:
+        running += deltas.get(d, 0)
+        labels.append(d.isoformat())
+        values_eur.append(running)
+        d += timedelta(days=1)
+
+    if base != "EUR":
+        rate = currency.rate_on(db, base, end)
+        if rate is not None:
+            values_eur = [int(round(v * float(rate))) for v in values_eur]
+    return {"labels": labels, "values": values_eur, "currency": base}
+
+
+@router.get("/recent")
+def recent(
+    limit: int = Query(default=8, le=50),
+    db: Session = Depends(get_db),
+    user: User = Depends(get_current_user),
+) -> dict:
+    base = base_currency(db, user)
+    accs = {a.id: a for a in db.query(Account).filter(Account.owner_id == user.id)}
+    cats = {c.id: c for c in db.query(Category).filter(Category.owner_id == user.id)}
+    rows = (
+        db.query(Transaction)
+        .filter(Transaction.owner_id == user.id)
+        .order_by(Transaction.date.desc(), Transaction.id.desc())
+        .limit(limit)
+        .all()
+    )
+    out = []
+    for t in rows:
+        acc = accs.get(t.account_id)
+        if t.type == TxnType.transfer:
+            to = accs.get(t.to_account_id)
+            title = f"{acc.name if acc else '?'} → {to.name if to else '?'}"
+            icon, color, sign = "arrow-left-right", "#6b7480", None
+        else:
+            cat = cats.get(t.category_id) if t.category_id else None
+            title = cat.name if cat else (t.payee or "—")
+            icon = cat.icon if cat else "more-horizontal"
+            color = cat.color if cat else "#6b7480"
+            sign = "pos" if t.type == TxnType.income else "neg"
+        out.append({
+            "id": t.id, "date": t.date.isoformat(), "type": t.type.value,
+            "title": title, "icon": icon, "color": color, "sign": sign,
+            "amount_cents": t.amount_cents, "currency": acc.currency if acc else "EUR",
+            "amount_base_cents": t.amount_eur_cents if base == "EUR"
+            else (currency.from_eur_cents(db, t.amount_eur_cents, base, t.date) or t.amount_eur_cents),
+        })
+    return {"transactions": out, "currency": base}
diff --git a/backend/migrations/versions/0004_dashboard.py b/backend/migrations/versions/0004_dashboard.py
new file mode 100644
index 0000000..241b025
--- /dev/null
+++ b/backend/migrations/versions/0004_dashboard.py
@@ -0,0 +1,30 @@
+"""Dashboard-Layout je Benutzer.
+
+Revision ID: 0004
+Revises: 0003
+Create Date: 2026-08-19
+"""
+from alembic import op
+import sqlalchemy as sa
+
+revision = "0004"
+down_revision = "0003"
+branch_labels = None
+depends_on = None
+
+
+def upgrade() -> None:
+    op.create_table(
+        "dashboard_layouts",
+        sa.Column("id", sa.Integer(), primary_key=True),
+        sa.Column("owner_id", sa.Integer(), sa.ForeignKey("users.id", ondelete="CASCADE"), nullable=False),
+        sa.Column("layout", sa.Text(), nullable=False, server_default="[]"),
+        sa.Column("updated_at", sa.DateTime(timezone=True), nullable=True),
+        sa.UniqueConstraint("owner_id", name="uq_dashboard_owner"),
+    )
+    op.create_index("ix_dashboard_layouts_owner_id", "dashboard_layouts", ["owner_id"])
+
+
+def downgrade() -> None:
+    op.drop_index("ix_dashboard_layouts_owner_id", table_name="dashboard_layouts")
+    op.drop_table("dashboard_layouts")
diff --git a/deploy/README.md b/deploy/README.md
index ac558fe..6db4538 100644
--- a/deploy/README.md
+++ b/deploy/README.md
@@ -1,8 +1,12 @@
 # Deployment (Proxmox-LXC + Nginx Proxy Manager)
 
+> **Voraussetzung: Python 3.11+** – also ein **Debian-12-** oder **Ubuntu-24.04**-LXC
+> (Debian 11 hat nur Python 3.9 und wird nicht unterstützt). `install.sh` prüft das
+> und bricht mit einer klaren Meldung ab, falls die Version zu alt ist.
+
 ## Installation
 
-Im LXC (Debian/Ubuntu) das Repo klonen und als root installieren:
+Im LXC (Debian 12 / Ubuntu 24.04) das Repo klonen und als root installieren:
 
 ```bash
 git clone <repo-url> /opt/certain-finance
diff --git a/deploy/certain-finance.service b/deploy/certain-finance.service
index 53c45b1..b2320ac 100644
--- a/deploy/certain-finance.service
+++ b/deploy/certain-finance.service
@@ -21,10 +21,10 @@ ExecStart=/opt/certain-finance/backend/.venv/bin/uvicorn app.main:app --host ${A
 Restart=on-failure
 RestartSec=3
 
-# Härtung
+# Härtung. Bewusst KEIN ProtectHome/ProtectSystem: das Repo (inkl. venv) darf
+# auch unter /root oder /home liegen; ProtectHome=true würde diese Pfade für den
+# Dienst ausblenden und zu "Failed to locate executable .../uvicorn" führen.
 NoNewPrivileges=true
-ProtectSystem=full
-ProtectHome=true
 PrivateTmp=true
 ReadWritePaths=/var/lib/certain-finance
 
diff --git a/deploy/install.sh b/deploy/install.sh
index f9a5ee8..cbf382e 100755
--- a/deploy/install.sh
+++ b/deploy/install.sh
@@ -46,6 +46,18 @@ export DEBIAN_FRONTEND=noninteractive
 apt-get update -y
 apt-get install -y python3 python3-venv python3-dev build-essential curl ca-certificates git
 
+# --- Python-Version prüfen (3.11+ erforderlich) ------------------------------
+PY_VER="$(python3 -c 'import sys; print("%d.%d" % sys.version_info[:2])' 2>/dev/null || echo 0.0)"
+PY_MAJOR="${PY_VER%%.*}"
+PY_MINOR="${PY_VER##*.}"
+if [[ "$PY_MAJOR" -lt 3 || ( "$PY_MAJOR" -eq 3 && "$PY_MINOR" -lt 11 ) ]]; then
+  error "Python 3.11+ wird benötigt – gefunden: $PY_VER."
+  error "Bitte einen Debian-12- oder Ubuntu-24.04-LXC verwenden (dort ist Python 3.11+ dabei)."
+  error "Ältere Systeme (z. B. Debian 11 = Python 3.9) werden nicht unterstützt."
+  exit 1
+fi
+info "Python $PY_VER gefunden."
+
 # --- Node.js (nur zum Bauen des Frontends nötig) -----------------------------
 ensure_node() {
   local major=0
@@ -76,6 +88,11 @@ info "Richte Python-venv ein und installiere Abhängigkeiten …"
 python3 -m venv "$REPO_DIR/backend/.venv"
 "$REPO_DIR/backend/.venv/bin/pip" install --upgrade pip >/dev/null
 "$REPO_DIR/backend/.venv/bin/pip" install -r "$REPO_DIR/backend/requirements.txt"
+if [[ ! -x "$REPO_DIR/backend/.venv/bin/uvicorn" ]]; then
+  error "uvicorn wurde nicht in die venv installiert – die Abhängigkeiten sind unvollständig."
+  error "Bitte die Ausgabe oben auf pip-Fehler prüfen."
+  exit 1
+fi
 
 # --- Frontend bauen ----------------------------------------------------------
 info "Baue das Frontend (Node wird nur hier gebraucht) …"
@@ -146,9 +163,10 @@ ExecStart=$REPO_DIR/backend/.venv/bin/uvicorn app.main:app --host \${APP_BIND_HO
 Restart=on-failure
 RestartSec=3
 NoNewPrivileges=true
-ProtectSystem=full
-ProtectHome=true
 PrivateTmp=true
+# Bewusst KEIN ProtectHome/ProtectSystem: das Repo (inkl. venv) darf auch unter
+# /root oder /home liegen; ProtectHome=true würde diese Pfade für den Dienst
+# ausblenden -> "Failed to locate executable .../uvicorn".
 ReadWritePaths=$DATA_DIR
 
 [Install]
diff --git a/web/package-lock.json b/web/package-lock.json
index 5f95c7a..7e4c004 100644
--- a/web/package-lock.json
+++ b/web/package-lock.json
@@ -11,6 +11,7 @@
         "i18next": "^24.2.0",
         "react": "^18.3.1",
         "react-dom": "^18.3.1",
+        "react-grid-layout": "^1.5.3",
         "react-i18next": "^15.4.0",
         "react-router-dom": "^6.28.0"
       },
@@ -1368,6 +1369,15 @@
       ],
       "license": "CC-BY-4.0"
     },
+    "node_modules/clsx": {
+      "version": "2.1.1",
+      "resolved": "https://registry.npmjs.org/clsx/-/clsx-2.1.1.tgz",
+      "integrity": "sha512-eYm0QWBtUrBWZWG0d386OGAw16Z995PiOVo2B7bjWSbHedGl5e0ZWaq65kOGgUSNesEIDkB9ISbTg/JK9dhCZA==",
+      "license": "MIT",
+      "engines": {
+        "node": ">=6"
+      }
+    },
     "node_modules/convert-source-map": {
       "version": "2.0.0",
       "resolved": "https://registry.npmjs.org/convert-source-map/-/convert-source-map-2.0.0.tgz",
@@ -1452,6 +1462,12 @@
         "node": ">=6"
       }
     },
+    "node_modules/fast-equals": {
+      "version": "4.0.3",
+      "resolved": "https://registry.npmjs.org/fast-equals/-/fast-equals-4.0.3.tgz",
+      "integrity": "sha512-G3BSX9cfKttjr+2o1O22tYMLq0DPluZnYtq1rXumE1SpL/F/SLIfHx08WYQoWSIpeMYf8sRbJ8++71+v6Pnxfg==",
+      "license": "MIT"
+    },
     "node_modules/fdir": {
       "version": "6.5.0",
       "resolved": "https://registry.npmjs.org/fdir/-/fdir-6.5.0.tgz",
@@ -1625,6 +1641,15 @@
         "node": ">=18"
       }
     },
+    "node_modules/object-assign": {
+      "version": "4.1.1",
+      "resolved": "https://registry.npmjs.org/object-assign/-/object-assign-4.1.1.tgz",
+      "integrity": "sha512-rJgTQnkUnH1sFw8yT6VSU3zD3sWmu6sZhIseY8VX+GRu3P6F7Fu+JNDoXfklElbLJSnc3FUQHVe4cU5hj+BcUg==",
+      "license": "MIT",
+      "engines": {
+        "node": ">=0.10.0"
+      }
+    },
     "node_modules/picocolors": {
       "version": "1.1.1",
       "resolved": "https://registry.npmjs.org/picocolors/-/picocolors-1.1.1.tgz",
@@ -1674,6 +1699,17 @@
         "node": "^10 || ^12 || >=14"
       }
     },
+    "node_modules/prop-types": {
+      "version": "15.8.1",
+      "resolved": "https://registry.npmjs.org/prop-types/-/prop-types-15.8.1.tgz",
+      "integrity": "sha512-oj87CgZICdulUohogVAR7AjlC0327U4el4L6eAvOqCeudMDVU0NThNaV+b9Df4dXgSP1gXMTnPdhfe/2qDH5cg==",
+      "license": "MIT",
+      "dependencies": {
+        "loose-envify": "^1.4.0",
+        "object-assign": "^4.1.1",
+        "react-is": "^16.13.1"
+      }
+    },
     "node_modules/react": {
       "version": "18.3.1",
       "resolved": "https://registry.npmjs.org/react/-/react-18.3.1.tgz",
@@ -1699,6 +1735,38 @@
         "react": "^18.3.1"
       }
     },
+    "node_modules/react-draggable": {
+      "version": "4.7.1",
+      "resolved": "https://registry.npmjs.org/react-draggable/-/react-draggable-4.7.1.tgz",
+      "integrity": "sha512-wa3tzfFnYt3yaZLuyU58fl1TNunfWfBekDgWhZA1+gb2jnp42wZ0ymuopR6M5kqDYmm4hKmzGlcKWjZf3Zb6RQ==",
+      "license": "MIT",
+      "dependencies": {
+        "clsx": "^2.1.1",
+        "prop-types": "^15.8.1"
+      },
+      "peerDependencies": {
+        "react": ">= 16.3.0",
+        "react-dom": ">= 16.3.0"
+      }
+    },
+    "node_modules/react-grid-layout": {
+      "version": "1.5.4",
+      "resolved": "https://registry.npmjs.org/react-grid-layout/-/react-grid-layout-1.5.4.tgz",
+      "integrity": "sha512-AyScMfqhgRfie9ECXddQeaYmTuNlomDj9SIryF/+vtiwXS6IsxX3cI6CCWbSRXqbAePHW397nPxvnekO5gViPg==",
+      "license": "MIT",
+      "dependencies": {
+        "clsx": "^2.1.1",
+        "fast-equals": "^4.0.3",
+        "prop-types": "^15.8.1",
+        "react-draggable": "^4.4.6",
+        "react-resizable": "^3.0.5",
+        "resize-observer-polyfill": "^1.5.1"
+      },
+      "peerDependencies": {
+        "react": ">= 16.3.0",
+        "react-dom": ">= 16.3.0"
+      }
+    },
     "node_modules/react-i18next": {
       "version": "15.7.4",
       "resolved": "https://registry.npmjs.org/react-i18next/-/react-i18next-15.7.4.tgz",
@@ -1725,6 +1793,12 @@
         }
       }
     },
+    "node_modules/react-is": {
+      "version": "16.13.1",
+      "resolved": "https://registry.npmjs.org/react-is/-/react-is-16.13.1.tgz",
+      "integrity": "sha512-24e6ynE2H+OKt4kqsOvNd8kBpV65zoxbA4BVsEOB3ARVWQki/DHzaUoC5KuON/BiccDaCCTZBuOcfZs70kR8bQ==",
+      "license": "MIT"
+    },
     "node_modules/react-refresh": {
       "version": "0.17.0",
       "resolved": "https://registry.npmjs.org/react-refresh/-/react-refresh-0.17.0.tgz",
@@ -1735,6 +1809,20 @@
         "node": ">=0.10.0"
       }
     },
+    "node_modules/react-resizable": {
+      "version": "3.2.0",
+      "resolved": "https://registry.npmjs.org/react-resizable/-/react-resizable-3.2.0.tgz",
+      "integrity": "sha512-3NKQ0SLZV7rs3LQHeXlOzDSRQfFrkX6TVet77/Qk03zqiZyee37b7N8/gwDJAA8UUjRz7PdWCCy49hcso45SMQ==",
+      "license": "MIT",
+      "dependencies": {
+        "prop-types": "15.x",
+        "react-draggable": "^4.5.0"
+      },
+      "peerDependencies": {
+        "react": ">= 16.3",
+        "react-dom": ">= 16.3"
+      }
+    },
     "node_modules/react-router": {
       "version": "6.30.6",
       "resolved": "https://registry.npmjs.org/react-router/-/react-router-6.30.6.tgz",
@@ -1767,6 +1855,12 @@
         "react-dom": ">=16.8"
       }
     },
+    "node_modules/resize-observer-polyfill": {
+      "version": "1.5.1",
+      "resolved": "https://registry.npmjs.org/resize-observer-polyfill/-/resize-observer-polyfill-1.5.1.tgz",
+      "integrity": "sha512-LwZrotdHOo12nQuZlHEmtuXdqGoOD0OhaxopaNFxWzInpEgaLWoVuAMbTzixuosCx2nEG58ngzW3vxdWoxIgdg==",
+      "license": "MIT"
+    },
     "node_modules/rollup": {
       "version": "4.62.4",
       "resolved": "https://registry.npmjs.org/rollup/-/rollup-4.62.4.tgz",
diff --git a/web/package.json b/web/package.json
index 81158e6..f4efe61 100644
--- a/web/package.json
+++ b/web/package.json
@@ -12,6 +12,7 @@
     "i18next": "^24.2.0",
     "react": "^18.3.1",
     "react-dom": "^18.3.1",
+    "react-grid-layout": "^1.5.3",
     "react-i18next": "^15.4.0",
     "react-router-dom": "^6.28.0"
   },
diff --git a/web/src/api.js b/web/src/api.js
index 6ab875e..c5ad9a2 100644
--- a/web/src/api.js
+++ b/web/src/api.js
@@ -175,4 +175,15 @@ export const api = {
   createIncome: (body) => request("/budget/income", { method: "POST", body }),
   updateIncome: (id, body) => request(`/budget/income/${id}`, { method: "PATCH", body }),
   deleteIncome: (id) => request(`/budget/income/${id}`, { method: "DELETE" }),
+
+  // Dashboard
+  dashboardLayout: () => request("/dashboard/layout"),
+  saveDashboardLayout: (layout) => request("/dashboard/layout", { method: "PUT", body: layout }),
+  resetDashboardLayout: () => request("/dashboard/layout", { method: "DELETE" }),
+  cardBudgetDonut: () => request("/dashboard/budget-donut"),
+  cardBudgetProgress: () => request("/dashboard/budget-progress"),
+  cardIncomeExpense: () => request("/dashboard/income-expense"),
+  cardBalances: () => request("/dashboard/balances"),
+  cardNetWorth: (days) => request(`/dashboard/net-worth${days ? `?days=${days}` : ""}`),
+  cardRecent: (limit) => request(`/dashboard/recent${limit ? `?limit=${limit}` : ""}`),
 };
diff --git a/web/src/dashboard/charts/Donut.jsx b/web/src/dashboard/charts/Donut.jsx
new file mode 100644
index 0000000..235acc5
--- /dev/null
+++ b/web/src/dashboard/charts/Donut.jsx
@@ -0,0 +1,64 @@
+import { useState } from "react";
+
+// Ringdiagramm für Anteile. segmente: [{ name, value, color }]
+// fmt: Formatierer für die Werte (z. B. Geldbetrag).
+export default function Donut({ segmente = [], gesamtLabel = "gesamt", fmt = (v) => String(v) }) {
+  const [aktiv, setAktiv] = useState(null);
+
+  const werte = segmente.filter((s) => s.value > 0);
+  const summe = werte.reduce((s, e) => s + e.value, 0);
+  if (summe <= 0) return <div className="empty">Keine Daten vorhanden.</div>;
+
+  const groesse = 180;
+  const mitte = groesse / 2;
+  const radius = 74;
+  const dicke = 26;
+  const umfang = 2 * Math.PI * radius;
+  const luecke = 2;
+
+  let versatz = 0;
+  const boegen = werte.map((s) => {
+    const anteil = s.value / summe;
+    const laenge = Math.max(anteil * umfang - luecke, 0.5);
+    const bogen = { ...s, laenge, versatz, anteil };
+    versatz += anteil * umfang;
+    return bogen;
+  });
+  const gezeigt = aktiv ?? null;
+
+  return (
+    <div className="chart-donut">
+      <svg viewBox={`0 0 ${groesse} ${groesse}`} className="donut-svg" role="img"
+        aria-label={`Ringdiagramm, ${werte.length} Anteile`}>
+        <g transform={`rotate(-90 ${mitte} ${mitte})`}>
+          {boegen.map((b) => (
+            <circle key={b.name}
+              cx={mitte} cy={mitte} r={radius} fill="none" stroke={b.color}
+              strokeWidth={gezeigt?.name === b.name ? dicke + 4 : dicke}
+              strokeDasharray={`${b.laenge} ${umfang - b.laenge}`}
+              strokeDashoffset={-b.versatz}
+              onMouseEnter={() => setAktiv(b)} onMouseLeave={() => setAktiv(null)} />
+          ))}
+        </g>
+        <text x={mitte} y={mitte - 4} textAnchor="middle" className="donut-value">
+          {fmt(gezeigt ? gezeigt.value : summe)}
+        </text>
+        <text x={mitte} y={mitte + 14} textAnchor="middle" className="donut-label">
+          {gezeigt ? gezeigt.name : gesamtLabel}
+        </text>
+      </svg>
+
+      <div className="chart-legend-scroll">
+        <ul className="chart-legend">
+          {boegen.map((b) => (
+            <li key={b.name} onMouseEnter={() => setAktiv(b)} onMouseLeave={() => setAktiv(null)}>
+              <span className="swatch" style={{ background: b.color }} />
+              <span className="legend-name">{b.name}</span>
+              <span className="legend-value">{fmt(b.value)} · {Math.round(b.anteil * 100)} %</span>
+            </li>
+          ))}
+        </ul>
+      </div>
+    </div>
+  );
+}
diff --git a/web/src/dashboard/charts/Line.jsx b/web/src/dashboard/charts/Line.jsx
new file mode 100644
index 0000000..33d6924
--- /dev/null
+++ b/web/src/dashboard/charts/Line.jsx
@@ -0,0 +1,109 @@
+import { useRef, useState } from "react";
+import { tokenFarbe } from "../palette";
+import useGroesse from "./useGroesse";
+
+// Liniendiagramm über die Zeit.
+// labels: ["01.07.", …]  serien: [{ name, color, werte: number[] }]
+// fmt: Werteformatierer.
+export default function Line({ labels = [], serien = [], fmt = (v) => String(v) }) {
+  const wirt = useRef(null);
+  const plot = useRef(null);
+  const { breite, hoehe } = useGroesse(plot);
+  const [index, setIndex] = useState(null);
+
+  const legende = serien.length > 1;
+  const hatWerte = serien.some((s) => s.werte?.length);
+
+  if (labels.length <= 1 || !hatWerte) {
+    return <div className="chart-line" ref={wirt}><div className="empty">Keine Daten vorhanden.</div></div>;
+  }
+
+  const rand = { oben: 12, rechts: 12, unten: 24, links: 52 };
+  const w = Math.max(breite, 240);
+  const h = Math.max(hoehe, 120);
+  const flaecheB = Math.max(w - rand.links - rand.rechts, 10);
+  const flaecheH = Math.max(h - rand.oben - rand.unten, 10);
+
+  const alleWerte = serien.flatMap((s) => s.werte);
+  const maxWert = Math.max(...alleWerte, 1);
+  const minWert = Math.min(...alleWerte, 0);
+  const spanne = Math.max(maxWert - minWert, 1);
+  const skalaMax = maxWert + spanne * 0.1;
+  const skalaMin = minWert - spanne * 0.05;
+  const skalaSpanne = Math.max(skalaMax - skalaMin, 1);
+
+  const x = (i) => rand.links + (i / (labels.length - 1)) * flaecheB;
+  const y = (wert) => rand.oben + flaecheH - ((wert - skalaMin) / skalaSpanne) * flaecheH;
+
+  const gitter = [0, 0.5, 1].map((teil) => {
+    const wert = skalaMin + skalaSpanne * teil;
+    return { wert, y: y(wert) };
+  });
+
+  const schritt = Math.max(1, Math.round(labels.length / 5));
+  const achse = labels.map((l, i) => ({ l, i })).filter(({ i }) => i % schritt === 0);
+
+  const gitterFarbe = tokenFarbe("--border", "#ddd");
+  const textFarbe = tokenFarbe("--muted", "#888");
+
+  function bewegen(event) {
+    const box = event.currentTarget.getBoundingClientRect();
+    const rel = event.clientX - box.left - rand.links;
+    const i = Math.round((rel / flaecheB) * (labels.length - 1));
+    setIndex(Math.min(Math.max(i, 0), labels.length - 1));
+  }
+
+  return (
+    <div className="chart-line" ref={wirt}>
+      {legende && (
+        <ul className="chart-legend inline">
+          {serien.map((s) => (
+            <li key={s.name}>
+              <span className="swatch" style={{ background: s.color }} />
+              <span className="legend-name">{s.name}</span>
+            </li>
+          ))}
+        </ul>
+      )}
+      <div className="line-plot" ref={plot}>
+        <svg width={w} height={h} role="img" aria-label={`Liniendiagramm über ${labels.length} Tage`}
+          onMouseMove={bewegen} onMouseLeave={() => setIndex(null)}>
+          {gitter.map((g) => (
+            <g key={g.wert}>
+              <line x1={rand.links} x2={w - rand.rechts} y1={g.y} y2={g.y} stroke={gitterFarbe} strokeWidth="1" />
+              <text x={rand.links - 8} y={g.y + 4} textAnchor="end" fontSize="11" fill={textFarbe}>{fmt(g.wert)}</text>
+            </g>
+          ))}
+          {achse.map(({ l, i }) => (
+            <text key={l + i} x={x(i)} y={h - 6} textAnchor="middle" fontSize="11" fill={textFarbe}>{l}</text>
+          ))}
+          {serien.map((s) => (
+            <path key={s.name} fill="none" stroke={s.color} strokeWidth="2" strokeLinejoin="round" strokeLinecap="round"
+              d={s.werte.map((wert, i) => `${i === 0 ? "M" : "L"} ${x(i)} ${y(wert)}`).join(" ")} />
+          ))}
+          {index != null && (
+            <>
+              <line x1={x(index)} x2={x(index)} y1={rand.oben} y2={rand.oben + flaecheH} stroke={gitterFarbe} strokeWidth="1" />
+              {serien.map((s) => (
+                <circle key={s.name} cx={x(index)} cy={y(s.werte[index] ?? 0)} r="4.5"
+                  fill={s.color} stroke={tokenFarbe("--surface", "#fff")} strokeWidth="2" />
+              ))}
+            </>
+          )}
+        </svg>
+        {index != null && (
+          <div className="line-tooltip" style={{ left: Math.min(Math.max(x(index), 60), w - 60) }}>
+            <div className="tip-date">{labels[index]}</div>
+            {serien.map((s) => (
+              <div key={s.name} className="tip-row">
+                <span className="swatch" style={{ background: s.color }} />
+                {serien.length > 1 && <span className="tip-name">{s.name}</span>}
+                <strong>{fmt(s.werte[index] ?? 0)}</strong>
+              </div>
+            ))}
+          </div>
+        )}
+      </div>
+    </div>
+  );
+}
diff --git a/web/src/dashboard/charts/useGroesse.js b/web/src/dashboard/charts/useGroesse.js
new file mode 100644
index 0000000..76e95df
--- /dev/null
+++ b/web/src/dashboard/charts/useGroesse.js
@@ -0,0 +1,16 @@
+import { useEffect, useState } from "react";
+
+// Misst die tatsächliche Größe eines Elements, damit ein SVG in echten Pixeln
+// zeichnen kann (feste viewBox mit Skalierung würde Linien/Schrift verzerren).
+export default function useGroesse(ref) {
+  const [groesse, setGroesse] = useState({ breite: 0, hoehe: 0 });
+  useEffect(() => {
+    if (!ref.current) return undefined;
+    const beobachter = new ResizeObserver(([eintrag]) => {
+      setGroesse({ breite: eintrag.contentRect.width, hoehe: eintrag.contentRect.height });
+    });
+    beobachter.observe(ref.current);
+    return () => beobachter.disconnect();
+  }, [ref]);
+  return groesse;
+}
diff --git a/web/src/dashboard/palette.js b/web/src/dashboard/palette.js
new file mode 100644
index 0000000..5424635
--- /dev/null
+++ b/web/src/dashboard/palette.js
@@ -0,0 +1,26 @@
+// Farben für Diagramme. Kategorie-Farben in fester, farbfehlsicht-geprüfter
+// Reihenfolge; Zustandsfarben (grün/rot) kommen aus den CSS-Tokens.
+
+export const CATEGORY_COLORS_LIGHT = ["#2a78d6", "#eb6834", "#1baf7a", "#eda100", "#e87ba4", "#008300"];
+export const CATEGORY_COLORS_DARK = ["#3987e5", "#d95926", "#199e70", "#c98500", "#d55181", "#008300"];
+export const OTHER_COLOR_LIGHT = "#8a8f98";
+export const OTHER_COLOR_DARK = "#6f7783";
+
+export function istDunkel() {
+  if (typeof document === "undefined") return false;
+  const gesetzt = document.documentElement.getAttribute("data-theme");
+  if (gesetzt === "dark") return true;
+  if (gesetzt === "light") return false;
+  return window.matchMedia?.("(prefers-color-scheme: dark)").matches ?? false;
+}
+
+export function kategorieFarben(dunkel) {
+  return dunkel ? CATEGORY_COLORS_DARK : CATEGORY_COLORS_LIGHT;
+}
+
+/** Liest einen CSS-Tokenwert aus (die Diagramme zeichnen in echtem SVG). */
+export function tokenFarbe(name, fallback = "#888") {
+  if (typeof document === "undefined") return fallback;
+  const wert = getComputedStyle(document.documentElement).getPropertyValue(name);
+  return wert?.trim() || fallback;
+}