Can I vibecode EveryDollar Premium?

Build a comprehensive zero-based budgeting application inspired by EveryDollar Premium.
Stack: Next.js 15, TypeScript, Tailwind CSS, SQLite, Drizzle ORM.

### Core Features to Implement:
1. **Zero-Based Budgeting Engine:**
   - Implement a monthly budgeting interface where "Income - Expenses = Zero".
   - Create customizable budget categories and sub-categories (e.g., Housing, Food, Debt).
   - Support paycheck planning: plan spending specifically around when paychecks arrive and bills are due.

2. **Transaction Management:**
   - Provide robust CSV/OFX import for bank transactions with duplicate detection.
   - Offer one-click categorization and custom mapping rules to auto-categorize recurring transactions.
   - Support split transactions across multiple budget lines.

3. **Debt Snowball Tracking:**
   - Build a dedicated view to track debt payoff using the debt snowball method.
   - Visualize payoff timelines based on minimum payments and extra contributions.

4. **Custom Reporting & Insights:**
   - Create detailed reports analyzing spending habits over time.
   - Visualize planned vs. actual spending with clear, intuitive charts.
   - Set up due date reminders for upcoming bills.

### Technical Requirements:
- The app must be fully private and local-first. Store data in SQLite.
- Implement local-first encryption for sensitive financial data.
- Provide a clean, modern interface with clear empty, loading, and error states.
- Support complete CSV export of all budget and transaction data.
- Exclude live bank connectivity (Plaid/etc.), live coaching, and multi-user sync.
- Provide a detailed README covering setup, data encryption, and local backups.