Accounts & Access

users

id (uuid, pk)
email (unique)
password_hash
name
role (user/admin)
created_at, updated_at

links: sessions, ledger_entries, tax_calculations, filings

sessions

id (uuid, pk)
user_id (fk users)
expires_at
mfa_verified (bool)
created_at, last_seen_at

for sign-in, remember me

Content (FAQ, News, Policies)

faq_categories

id (pk)
name
order_index

faq_articles

id (pk)
category_id (fk faq_categories)
question
answer
version_label
updated_at

for accordion answers by category

news_posts

id (pk)
title, slug
excerpt
body
status (draft/published)
published_at
user_id (fk users)

news_tags

id (pk)
name
type (tax change/feature/guidance)

news_post_tags

post_id (fk news_posts)
tag_id (fk news_tags)

many-to-many for News / Updates

policy_versions

id (pk)
type (terms/privacy)
version_label
content
published_at

shows latest Terms & Privacy pages

Support & Engagement

contact_messages

id (pk)
user_id (nullable fk users)
name, email
subject, message
attachment_url
status (open/closed)
created_at, responded_at

newsletter_subscribers

id (pk)
email (unique)
status (active/unsubscribed)
created_at

Income & Expenses

Single ledger supports income and expense entries, CSV uploads, receipts.

ledger_categories

id (pk)
name
type (income/expense)
hmrc_box (optional)
order_index

ledger_entries

id (pk)
user_id (fk users)
category_id (fk ledger_categories)
type (income/expense)
amount
entry_date
description
source (manual/csv/receipt)
created_at

supports add/edit/delete

receipts

id (pk)
entry_id (fk ledger_entries)
file_url
uploaded_at

uploads for expenses or income evidence

csv_imports

id (pk)
user_id (fk users)
file_url
status (pending/done/failed)
rows_processed
created_at

Tax Calculator

tax_calculations

id (pk)
user_id (fk users)
tax_year
total_income
allowable_expenses
personal_allowance_used (bool)
student_loan (bool)
pension (bool)
breakdown_json
created_at

supports saved estimates

Self-Assessment

filings

id (pk)
user_id (fk users)
tax_year
status (draft/ready/submitted)
draft_payload
submitted_at
reference_code
created_at, updated_at

filing_tasks

id (pk)
filing_id (fk filings)
label
status (todo/done)
order_index

checklist items for filing flow

filing_documents

id (pk)
filing_id (fk filings)
file_url
type (pdf/export/evidence)
uploaded_at

Payments & Records

payment_schedules

id (pk)
user_id (fk users)
tax_year
due_date
amount
status (planned/paid)

payment_transactions

id (pk)
user_id (fk users)
schedule_id (nullable fk payment_schedules)
paid_at
amount
method
receipt_url

Tax History & Reports

tax_year_summaries

id (pk)
user_id (fk users)
tax_year
income_total
expense_total
tax_due
generated_at

feeds dashboard and report exports

report_exports

id (pk)
user_id (fk users)
tax_year
format (csv/pdf)
file_url
created_at

HMRC integration omitted per current scope.