diff --git a/docs/ROADMAP.md b/docs/ROADMAP.md
index 4e1d64e..af26fad 100644
--- a/docs/ROADMAP.md
+++ b/docs/ROADMAP.md
@@ -19,7 +19,7 @@ Einstellbarer Budget-Monat-Starttag, Standard-Budget als Vorlage (Snapshot-on-
 Customize), geplante Einnahmen mit Zielkonto, Soll/Ist-Tabelle (grün/rot),
 kein Rollover in v1.
 
-## Phase 3 – Dashboard
+## Phase 3 – Dashboard  ✅
 Konfigurierbares Karten-Grid: Budget-Donut, Kontostände, Vermögensverlauf,
 Budget-Fortschritt, Einnahmen/Ausgaben, letzte Buchungen.
 
diff --git a/web/src/dashboard/cards.jsx b/web/src/dashboard/cards.jsx
new file mode 100644
index 0000000..a59d5e6
--- /dev/null
+++ b/web/src/dashboard/cards.jsx
@@ -0,0 +1,156 @@
+import { useEffect, useState } from "react";
+import { useTranslation } from "react-i18next";
+import { api } from "../api";
+import { useSettings } from "../settings";
+import IconChip from "../components/IconChip";
+import Money from "../components/Money";
+import { formatMoney } from "../format";
+import { tokenFarbe } from "./palette";
+import Donut from "./charts/Donut";
+import Line from "./charts/Line";
+
+function useData(loader) {
+  const [data, setData] = useState(null);
+  useEffect(() => {
+    let ok = true;
+    loader().then((d) => ok && setData(d)).catch(() => ok && setData({ __error: true }));
+    return () => { ok = false; };
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, []);
+  return data;
+}
+
+function Loading() {
+  const { t } = useTranslation();
+  return <div className="dash-loading muted">{t("common.loading")}</div>;
+}
+
+function shortDate(iso) {
+  const [, m, d] = iso.split("-");
+  return `${d}.${m}.`;
+}
+
+function AccountBalances() {
+  const { t } = useTranslation();
+  const { baseCurrency } = useSettings();
+  const data = useData(() => api.cardBalances());
+  if (!data) return <Loading />;
+  if (!data.accounts?.length) return <div className="dash-empty muted">{t("accounts.empty")}</div>;
+  return (
+    <div className="dash-list">
+      {data.accounts.map((a) => (
+        <div className="dash-line" key={a.id}>
+          <IconChip name={a.icon} color={a.color} size={26} />
+          <span className="grow ellipsis">{a.name}</span>
+          <Money cents={a.balance_cents} currency={a.currency} baseCents={a.balance_base_cents} baseCurrency={baseCurrency} />
+        </div>
+      ))}
+      <div className="dash-total">
+        <span className="grow">{t("cards.total")}</span>
+        <strong>{formatMoney(data.total, data.currency)}</strong>
+      </div>
+    </div>
+  );
+}
+
+function BudgetDonut() {
+  const { t } = useTranslation();
+  const data = useData(() => api.cardBudgetDonut());
+  if (!data) return <Loading />;
+  if (!data.segments?.length) return <div className="dash-empty muted">{t("cards.noBudget")}</div>;
+  const label = data.mode === "planned" ? t("cards.planned") : t("cards.spent");
+  return <Donut segmente={data.segments} gesamtLabel={label} fmt={(v) => formatMoney(v, data.currency)} />;
+}
+
+function NetWorth() {
+  const { t } = useTranslation();
+  const data = useData(() => api.cardNetWorth(90));
+  if (!data) return <Loading />;
+  const labels = (data.labels || []).map(shortDate);
+  const serien = [{ name: t("cards.assets"), color: tokenFarbe("--accent", "#3f51b5"), werte: data.values || [] }];
+  return <Line labels={labels} serien={serien} fmt={(v) => formatMoney(v, data.currency)} />;
+}
+
+function BudgetProgress() {
+  const { t } = useTranslation();
+  const data = useData(() => api.cardBudgetProgress());
+  if (!data) return <Loading />;
+  if (!data.rows?.length) return <div className="dash-empty muted">{t("cards.noBudget")}</div>;
+  return (
+    <div className="dash-list">
+      {data.rows.map((r) => {
+        const pct = r.planned > 0 ? Math.min(r.actual / r.planned, 1) * 100 : r.actual > 0 ? 100 : 0;
+        return (
+          <div className="dash-progress" key={r.name}>
+            <div className="dash-progress-top">
+              <span className="ellipsis" style={{ color: r.color }}>●</span>
+              <span className="grow ellipsis">{r.name}</span>
+              <span className={`amount small ${r.over ? "neg" : "muted"}`}>{formatMoney(r.actual, data.currency)}</span>
+              <span className="muted small"> / {formatMoney(r.planned, data.currency)}</span>
+            </div>
+            <div className="budget-bar">
+              <div className={`budget-bar-fill${r.over ? " over" : ""}`} style={{ width: `${pct}%` }} />
+            </div>
+          </div>
+        );
+      })}
+    </div>
+  );
+}
+
+function IncomeExpense() {
+  const { t } = useTranslation();
+  const data = useData(() => api.cardIncomeExpense());
+  if (!data) return <Loading />;
+  return (
+    <div className="dash-kpis">
+      <div className="dash-kpi">
+        <span className="muted small">{t("cards.income")}</span>
+        <strong className="amount pos">{formatMoney(data.income, data.currency)}</strong>
+      </div>
+      <div className="dash-kpi">
+        <span className="muted small">{t("cards.expense")}</span>
+        <strong className="amount neg">{formatMoney(data.expense, data.currency)}</strong>
+      </div>
+      <div className="dash-kpi">
+        <span className="muted small">{t("cards.net")}</span>
+        <strong className={`amount ${data.net < 0 ? "neg" : "pos"}`}>{formatMoney(data.net, data.currency)}</strong>
+      </div>
+    </div>
+  );
+}
+
+function RecentTransactions() {
+  const { t } = useTranslation();
+  const { formatDate } = useSettings();
+  const data = useData(() => api.cardRecent(8));
+  if (!data) return <Loading />;
+  if (!data.transactions?.length) return <div className="dash-empty muted">{t("transactions.empty")}</div>;
+  return (
+    <div className="dash-list">
+      {data.transactions.map((tx) => (
+        <div className="dash-line" key={tx.id}>
+          <IconChip name={tx.icon} color={tx.color} size={26} />
+          <div className="grow ellipsis">
+            <div className="ellipsis">{tx.title}</div>
+            <div className="muted small">{formatDate(tx.date)}</div>
+          </div>
+          <Money cents={tx.amount_cents} currency={tx.currency} baseCents={tx.amount_base_cents}
+                 baseCurrency={data.currency} sign={tx.sign} showConverted={false} />
+        </div>
+      ))}
+    </div>
+  );
+}
+
+// Registry: Kartentyp -> { Titel-Schlüssel, Komponente, Standardgröße/Mindestgröße }.
+export const KARTEN = {
+  "account-balances": { titleKey: "cards.balances", Comp: AccountBalances, w: 4, h: 5, minW: 3, minH: 3 },
+  "budget-donut": { titleKey: "cards.budgetDonut", Comp: BudgetDonut, w: 4, h: 5, minW: 3, minH: 4 },
+  "net-worth": { titleKey: "cards.netWorth", Comp: NetWorth, w: 8, h: 4, minW: 4, minH: 3 },
+  "budget-progress": { titleKey: "cards.budgetProgress", Comp: BudgetProgress, w: 4, h: 3, minW: 3, minH: 2 },
+  "income-expense": { titleKey: "cards.incomeExpense", Comp: IncomeExpense, w: 4, h: 2, minW: 2, minH: 2 },
+  "recent-transactions": { titleKey: "cards.recent", Comp: RecentTransactions, w: 4, h: 4, minW: 3, minH: 3 },
+};
+
+export const KARTEN_TYPEN = Object.keys(KARTEN);
diff --git a/web/src/finance.css b/web/src/finance.css
index 29523ba..59c8a9f 100644
--- a/web/src/finance.css
+++ b/web/src/finance.css
@@ -371,3 +371,151 @@ tr.budget-total-row td {
   color: var(--text);
   font-weight: 560;
 }
+
+/* ---------- Dashboard-Grid ---------- */
+.dash-toolbar {
+  display: flex;
+  align-items: center;
+  gap: var(--sp-2);
+  position: relative;
+}
+.dash-add {
+  position: relative;
+}
+.dash-add-menu {
+  position: absolute;
+  right: 0;
+  top: calc(100% + 4px);
+  z-index: 20;
+  background: var(--surface);
+  border: 1px solid var(--border-strong);
+  border-radius: var(--radius-sm);
+  box-shadow: var(--shadow);
+  min-width: 200px;
+  overflow: hidden;
+}
+.dash-add-item {
+  display: block;
+  width: 100%;
+  text-align: left;
+  padding: 8px 12px;
+  border: none;
+  background: none;
+  color: var(--text);
+  cursor: pointer;
+}
+.dash-add-item:hover {
+  background: var(--surface-2);
+}
+
+.dash-grid {
+  position: relative;
+}
+.dash-card {
+  background: var(--surface);
+  border: 1px solid var(--border);
+  border-radius: var(--radius);
+  box-shadow: var(--shadow);
+  display: flex;
+  flex-direction: column;
+  overflow: hidden;
+}
+.dash-card-head {
+  display: flex;
+  align-items: center;
+  gap: var(--sp-2);
+  padding: 8px 12px;
+  border-bottom: 1px solid var(--border);
+  flex: 0 0 auto;
+}
+.dash-card-title {
+  font-size: 0.7rem;
+  text-transform: uppercase;
+  letter-spacing: 0.05em;
+  color: var(--muted);
+  font-weight: 650;
+  flex: 1;
+}
+.dash-grid.editing .dash-card-head {
+  cursor: move;
+  background: var(--surface-2);
+}
+.dash-remove {
+  color: var(--danger);
+}
+.dash-card-body {
+  flex: 1;
+  min-height: 0;
+  overflow: auto;
+  padding: var(--sp-3);
+}
+
+.dash-list {
+  display: flex;
+  flex-direction: column;
+  gap: 2px;
+}
+.dash-line {
+  display: flex;
+  align-items: center;
+  gap: var(--sp-2);
+  padding: 6px 0;
+  border-bottom: 1px solid var(--border);
+}
+.dash-line:last-child {
+  border-bottom: none;
+}
+.dash-total {
+  display: flex;
+  align-items: baseline;
+  gap: var(--sp-2);
+  padding-top: var(--sp-2);
+  margin-top: 2px;
+  border-top: 2px solid var(--border-strong);
+  font-variant-numeric: tabular-nums;
+}
+.ellipsis {
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+.dash-loading, .dash-empty {
+  padding: var(--sp-4);
+  text-align: center;
+}
+.dash-progress {
+  padding: 6px 0;
+}
+.dash-progress-top {
+  display: flex;
+  align-items: center;
+  gap: var(--sp-2);
+  margin-bottom: 4px;
+}
+.dash-kpis {
+  display: flex;
+  flex-direction: column;
+  justify-content: center;
+  gap: var(--sp-2);
+  height: 100%;
+}
+.dash-kpi {
+  display: flex;
+  align-items: baseline;
+  justify-content: space-between;
+}
+.dash-kpi strong {
+  font-size: 1.1rem;
+  font-variant-numeric: tabular-nums;
+}
+
+/* react-grid-layout: Platzhalter + Resize-Griff an das Theme angleichen. */
+.react-grid-item.react-grid-placeholder {
+  background: var(--accent);
+  opacity: 0.15;
+  border-radius: var(--radius);
+}
+.react-grid-item > .react-resizable-handle::after {
+  border-right-color: var(--border-strong);
+  border-bottom-color: var(--border-strong);
+}
diff --git a/web/src/locales/de.json b/web/src/locales/de.json
index 198d528..2352452 100644
--- a/web/src/locales/de.json
+++ b/web/src/locales/de.json
@@ -76,7 +76,28 @@
   },
   "dashboard": {
     "title": "Übersicht",
-    "empty": "Noch keine Karten. Das Dashboard wird in einer späteren Phase ausgebaut."
+    "emptyCards": "Keine Karten vorhanden – über den Anordnen-Modus hinzufügen.",
+    "edit": "Anordnen",
+    "done": "Fertig",
+    "addCard": "Karte hinzufügen",
+    "reset": "Zurücksetzen",
+    "resetConfirm": "Dashboard auf das Standard-Layout zurücksetzen?"
+  },
+  "cards": {
+    "balances": "Kontostände",
+    "budgetDonut": "Budget",
+    "netWorth": "Vermögensverlauf",
+    "budgetProgress": "Budget-Fortschritt",
+    "incomeExpense": "Einnahmen & Ausgaben",
+    "recent": "Letzte Buchungen",
+    "total": "Gesamt",
+    "planned": "geplant",
+    "spent": "ausgegeben",
+    "assets": "Vermögen",
+    "income": "Einnahmen",
+    "expense": "Ausgaben",
+    "net": "Saldo",
+    "noBudget": "Noch kein Budget für diesen Monat."
   },
   "server": {
     "unreachable": "Server nicht erreichbar.",
diff --git a/web/src/locales/en.json b/web/src/locales/en.json
index ede4da9..583630f 100644
--- a/web/src/locales/en.json
+++ b/web/src/locales/en.json
@@ -76,7 +76,28 @@
   },
   "dashboard": {
     "title": "Overview",
-    "empty": "No cards yet. The dashboard will be built out in a later phase."
+    "emptyCards": "No cards. Click “Arrange” and add some.",
+    "edit": "Arrange",
+    "done": "Done",
+    "addCard": "Add card",
+    "reset": "Reset",
+    "resetConfirm": "Reset the dashboard to the default layout?"
+  },
+  "cards": {
+    "balances": "Account balances",
+    "budgetDonut": "Budget",
+    "netWorth": "Net worth",
+    "budgetProgress": "Budget progress",
+    "incomeExpense": "Income & expenses",
+    "recent": "Recent transactions",
+    "total": "Total",
+    "planned": "planned",
+    "spent": "spent",
+    "assets": "Net worth",
+    "income": "Income",
+    "expense": "Expenses",
+    "net": "Balance",
+    "noBudget": "No budget for this month yet."
   },
   "server": {
     "unreachable": "Server unreachable.",
diff --git a/web/src/pages/Dashboard.jsx b/web/src/pages/Dashboard.jsx
index 058b482..19d9a77 100644
--- a/web/src/pages/Dashboard.jsx
+++ b/web/src/pages/Dashboard.jsx
@@ -1,18 +1,151 @@
+import { createElement, useEffect, useState } from "react";
 import { useTranslation } from "react-i18next";
+import GridLayout, { WidthProvider } from "react-grid-layout";
+import "react-grid-layout/css/styles.css";
+import "react-resizable/css/styles.css";
+import { api } from "../api";
+import { useConfirm } from "../confirm";
+import { useToast } from "../toast";
 import Icon from "../components/Icon";
+import { KARTEN, KARTEN_TYPEN } from "../dashboard/cards";
+
+const Grid = WidthProvider(GridLayout);
 
-// Platzhalter: das konfigurierbare Karten-Dashboard wird in Phase 3 aufgebaut.
 export default function Dashboard() {
   const { t } = useTranslation();
+  const confirm = useConfirm();
+  const toast = useToast();
+  const [items, setItems] = useState(null);
+  const [edit, setEdit] = useState(false);
+  const [addOpen, setAddOpen] = useState(false);
+
+  function normalize(it) {
+    const def = KARTEN[it.type] || {};
+    return { i: it.i || it.type, minW: def.minW || 2, minH: def.minH || 2, ...it };
+  }
+
+  async function load() {
+    try {
+      const res = await api.dashboardLayout();
+      setItems(res.layout.filter((it) => KARTEN[it.type]).map(normalize));
+    } catch (e) {
+      toast(e.message, "error");
+      setItems([]);
+    }
+  }
+  useEffect(() => { load(); }, []);
+
+  function merge(layout) {
+    const byId = Object.fromEntries((items || []).map((it) => [it.i, it]));
+    return layout.map((l) => ({ ...byId[l.i], x: l.x, y: l.y, w: l.w, h: l.h }));
+  }
+
+  async function persist(next) {
+    setItems(next);
+    try {
+      await api.saveDashboardLayout(next.map((it) => ({ i: it.i, type: it.type, x: it.x, y: it.y, w: it.w, h: it.h })));
+    } catch (e) {
+      toast(e.message, "error");
+    }
+  }
+
+  function addCard(type) {
+    const def = KARTEN[type];
+    const maxY = items.reduce((m, it) => Math.max(m, it.y + it.h), 0);
+    setAddOpen(false);
+    persist([...items, normalize({ i: type, type, x: 0, y: maxY, w: def.w, h: def.h })]);
+  }
+  function removeCard(i) {
+    persist(items.filter((it) => it.i !== i));
+  }
+  async function reset() {
+    if (!(await confirm({ title: t("dashboard.reset"), message: t("dashboard.resetConfirm"), confirmLabel: t("dashboard.reset") }))) return;
+    try {
+      const res = await api.resetDashboardLayout();
+      setItems(res.layout.filter((it) => KARTEN[it.type]).map(normalize));
+      setEdit(false);
+    } catch (e) {
+      toast(e.message, "error");
+    }
+  }
+
+  if (!items) return <div className="muted">{t("common.loading")}</div>;
+
+  const present = new Set(items.map((it) => it.type));
+  const missing = KARTEN_TYPEN.filter((tp) => !present.has(tp));
+
   return (
     <div>
-      <h1>{t("dashboard.title")}</h1>
-      <div className="card">
-        <div className="empty-state">
-          <Icon name="pie-chart" size={40} />
-          <p>{t("dashboard.empty")}</p>
+      <div className="page-head">
+        <h1>{t("dashboard.title")}</h1>
+        <div className="dash-toolbar">
+          {edit && missing.length > 0 && (
+            <div className="dash-add">
+              <button className="btn sm" onClick={() => setAddOpen((o) => !o)}>
+                <Icon name="plus" size={15} /> {t("dashboard.addCard")}
+              </button>
+              {addOpen && (
+                <div className="dash-add-menu">
+                  {missing.map((tp) => (
+                    <button key={tp} className="dash-add-item" onClick={() => addCard(tp)}>
+                      {t(KARTEN[tp].titleKey)}
+                    </button>
+                  ))}
+                </div>
+              )}
+            </div>
+          )}
+          {edit && (
+            <button className="btn sm" onClick={reset}>
+              <Icon name="refresh-ccw" size={14} /> {t("dashboard.reset")}
+            </button>
+          )}
+          <button className={`btn sm ${edit ? "primary" : ""}`} onClick={() => { setEdit((e) => !e); setAddOpen(false); }}>
+            <Icon name={edit ? "check" : "edit"} size={14} /> {edit ? t("dashboard.done") : t("dashboard.edit")}
+          </button>
         </div>
       </div>
+
+      {items.length === 0 ? (
+        <div className="card">
+          <div className="empty-state">
+            <Icon name="pie-chart" size={40} />
+            <p>{t("dashboard.emptyCards")}</p>
+          </div>
+        </div>
+      ) : (
+        <Grid
+          className={`dash-grid${edit ? " editing" : ""}`}
+          cols={12}
+          rowHeight={44}
+          margin={[16, 16]}
+          isDraggable={edit}
+          isResizable={edit}
+          draggableHandle=".dash-card-head"
+          layout={items}
+          onLayoutChange={(l) => setItems(merge(l))}
+          onDragStop={(l) => persist(merge(l))}
+          onResizeStop={(l) => persist(merge(l))}
+          useCSSTransforms
+        >
+          {items.map((it) => {
+            const def = KARTEN[it.type];
+            return (
+              <div key={it.i} className="dash-card">
+                <div className="dash-card-head">
+                  <span className="dash-card-title">{def ? t(def.titleKey) : it.type}</span>
+                  {edit && (
+                    <button className="dash-remove btn-icon" onClick={() => removeCard(it.i)} title={t("common.delete")}>
+                      <Icon name="close" size={14} />
+                    </button>
+                  )}
+                </div>
+                <div className="dash-card-body">{def ? createElement(def.Comp) : null}</div>
+              </div>
+            );
+          })}
+        </Grid>
+      )}
     </div>
   );
 }