CashColt.
A credit planner, built end-to-end on Kumiko.

Multi-tenant portfolio for loans, building-savings, rents and property folders. Model annuity, bullet or fixed-amortization loans, schedule extra payments, chain building-savings follow-ups, roll rental cashflow into the dashboard. Event-sourced core, React charts, tiered plans, public calculators without login, all from defineFeature. Live at cashcolt.kumiko.rocks.

What this showcase shows

→Rich UI, not a CRUD form: Recharts payoff curves, a live amortization table, scenario compare and a property-folder tree.
→Property folders across entity types: Loans, building-savings contracts and rents as leaves in one tree, remaining debt, savings balance and rental cashflow aggregated per property.
→Building-savings follow-up: Chain contracts, maturity verdicts and a “follow-up via building-savings” KPI: domain logic in the feature graph, not the UI shell.
→Tiers, API and lead funnel: Free, Pro, Expert and Enterprise tiers with real caps, personal access tokens and anonymous calculators (/budget-rechner, /beleihungsauslauf) as registration entry points.
→Account security: Users manage their own MFA and sessions in an account and security screen.

cashcolt.kumiko.rocks

CashColt portfolio dashboard: remaining debt, monthly rate and payoff chart

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cashcolt.kumiko.rocks · Calculator

CashColt loan calculator: inputs, live amortization chart and month-by-month schedule

cashcolt.kumiko.rocks · Folders

CashColt property folders: tree with loans, building-savings contracts and rents per property

How it's built

The app is the credit logic. Everything else is bundled.

Event-sourced loan aggregate

Inputs as events, plan as projection

Each loan persists only its inputs (principal, rate, repayment and extra payments) as immutable events. The month-by-month schedule is computed on read. The engine lives in @cosmicdriftgamestudio/kumiko-credit; CashColt just wires it.

Property folders + tags

Portfolio tree and contract packages

The folders feature groups loans, building-savings and rent ledgers per property. tags gates contract packages on Expert+. The tree reads multiple entity queries and rolls KPIs up.

tier-engine + cap-counter

Tiers, real limits, time-limited trial

The credit limit and the calculator and folder features depend on the tier, enforced per tenant via cap-counter. New signups start with a time-limited Expert trial, then fall back to their stored tier.

Kumiko web renderer + custom screens

Auto-UI where it fits, React where it counts

Entity admin comes from Kumiko's renderer; dashboard, calculator, pay-down planner and property folders are custom React screens with Recharts. Same feature graph, two rendering strategies.

auth · user-data-rights · legal-pages · API tokens

Everything around the product is bundled

Email/password auth with self-service MFA and session management, multi-tenant identity, GDPR export/erasure, legal pages from text-content, domain-scoped personal access tokens, composed in, not rebuilt. Read-only share links can be sent to a recipient by email, in German or English.

Hosting reality

One container image (ghcr.io/.../money-horse), one Kubernetes deployment on Hetzner behind an ingress, Postgres on a shared CNPG cluster, a dedicated Meilisearch instance for search, TLS via Let's Encrypt, transactional mail over SMTP. Multi-tenant: many credit workspaces on one instance, live at cashcolt.kumiko.rocks.

If we built this, your tool too.

A planner this interactive, multi-tenant, audit-friendly and on-prem-ready, mostly assembled from bundled-features. Asset tracker, helpdesk, CRM, internal portal: same framework, same story.

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CashColt.A credit planner, built end-to-end on Kumiko.