diff --git a/finance/.gitignore b/finance/.gitignore
new file mode 100644
index 0000000..e3d2a42
--- /dev/null
+++ b/finance/.gitignore
@@ -0,0 +1,5 @@
+.env
+__pycache__/
+*.sqlite
+tests/fixtures/*.pdf
+.venv/
diff --git a/finance/app/__init__.py b/finance/app/__init__.py
new file mode 100644
index 0000000..473a0f4
diff --git a/finance/app/config.py b/finance/app/config.py
new file mode 100644
index 0000000..12fdc74
--- /dev/null
+++ b/finance/app/config.py
@@ -0,0 +1,34 @@
+import os
+from dataclasses import dataclass
+from decimal import Decimal
+from functools import lru_cache
+from pathlib import Path
+
+
+@dataclass(frozen=True)
+class Settings:
+    database_url: str
+    api_key: str
+    gui_user: str
+    gui_password_hash: str
+    session_secret: str
+    inbox_dir: Path
+    uploads_dir: Path
+    warn_threshold: Decimal
+    horizon_days: int
+
+
+@lru_cache
+def get_settings() -> Settings:
+    e = os.environ.get
+    return Settings(
+        database_url=e("FB_DATABASE_URL", "sqlite:///./fb.sqlite"),
+        api_key=e("FB_API_KEY", ""),
+        gui_user=e("FB_GUI_USER", "admin"),
+        gui_password_hash=e("FB_GUI_PASSWORD_HASH", ""),
+        session_secret=e("FB_SESSION_SECRET", "dev-secret"),
+        inbox_dir=Path(e("FB_INBOX_DIR", "./inbox")),
+        uploads_dir=Path(e("FB_UPLOADS_DIR", "./uploads")),
+        warn_threshold=Decimal(e("FB_WARN_THRESHOLD", "0")),
+        horizon_days=int(e("FB_HORIZON_DAYS", "548")),
+    )
diff --git a/finance/pytest.ini b/finance/pytest.ini
new file mode 100644
index 0000000..c898d22
--- /dev/null
+++ b/finance/pytest.ini
@@ -0,0 +1,2 @@
+[pytest]
+testpaths = tests
diff --git a/finance/requirements-dev.txt b/finance/requirements-dev.txt
new file mode 100644
index 0000000..03fd52f
--- /dev/null
+++ b/finance/requirements-dev.txt
@@ -0,0 +1,3 @@
+-r requirements.txt
+pytest==8.4.1
+httpx==0.28.1
diff --git a/finance/requirements.txt b/finance/requirements.txt
new file mode 100644
index 0000000..4b56046
--- /dev/null
+++ b/finance/requirements.txt
@@ -0,0 +1,9 @@
+fastapi==0.116.1
+uvicorn==0.35.0
+sqlalchemy==2.0.41
+alembic==1.16.2
+psycopg[binary]==3.2.9
+jinja2==3.1.6
+python-multipart==0.0.20
+itsdangerous==2.2.0
+pdfplumber==0.11.7
diff --git a/finance/tests/__init__.py b/finance/tests/__init__.py
new file mode 100644
index 0000000..473a0f4
diff --git a/finance/tests/test_config.py b/finance/tests/test_config.py
new file mode 100644
index 0000000..07ac514
--- /dev/null
+++ b/finance/tests/test_config.py
@@ -0,0 +1,7 @@
+from app.config import get_settings
+
+
+def test_defaults():
+    s = get_settings()
+    assert s.horizon_days == 548
+    assert s.gui_user == "admin"