Build Pennywise

Build a personal expense tracker called Pennywise.
Email and password login for a single user.
The user can add an expense with an amount, a category (Food, Transport, Bills,
Shopping, Fun, Other), a date, and an optional note, and see a list of all their
expenses, newest first, with the option to edit or delete each one.
Save all expenses so they persist after refresh and login.
Calm, premium design: warm cream background, one terracotta accent color,
generous spacing, rounded cards, clean sans-serif.

Add a Dashboard as the home tab.
Show cards with: total spent this month, total spent today, number of expenses
this month, and the biggest single expense this month. Below that, show spending
by category as a simple bar or donut chart, and a list of the 5 most recent
expenses with their category and amount.
Keep it clean and scannable in the same warm premium style, with big bold numbers.

Add an AI "Insights" button on the Dashboard.
It reads this month's expenses and writes a short, friendly summary, under 120
words: where the money went, the biggest category, and one practical tip to save.
Show it in a card, with a Regenerate option.

On the Dashboard, add a "Play summary" button.
When clicked, generate a short spoken summary of this month's spending: total
spent, top category, and one savings tip. Read it aloud using ElevenLabs text to
speech in a natural voice, and show the summary text on screen as it plays.

Polish the whole app to feel premium and calm: consistent spacing, one terracotta
accent, soft shadows on cards, clear type hierarchy, large section headings, and
uncluttered layouts. Make the dashboard numbers big and bold.