feat: phase 3 — goals commit + plan

- Commit/uncommit button on each goal card
- Committed goals are deducted from disposable income on the dashboard
  (Available to spend now reflects reserved goal contributions)
- Conflict detection: warning banner when committed goals exceed
  disposable income, showing the shortfall
- Goals summary bar: disposable before goals, reserved per month,
  free to spend after committed goals

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

apps/finance/services/api/main/handler.go

@@ -324,6 +324,27 @@ func (h *Handler) Dashboard(w http.ResponseWriter, r *http.Request) {
 	// disposable income = income - fixed recurring
 	disposableIncome := thisMonthIncome - totalFixedCents
 
+	// deduct committed goal contributions from disposable
+	committedGoalsCents := int64(0)
+	if goals, err := h.store.getGoals(ctx, a.UserID); err == nil {
+		now2 := time.Now()
+		for _, g := range goals {
+			if !g.Committed {
+				continue
+			}
+			remaining := g.TargetCents - g.SavedCents
+			if remaining <= 0 {
+				continue
+			}
+			ml := int64(monthsBetween(now2, g.Deadline))
+			if ml < 1 {
+				ml = 1
+			}
+			committedGoalsCents += remaining / ml
+		}
+	}
+	disposableIncome -= committedGoalsCents
+
 	// variable spend so far this month (non-fixed categories, expenses only)
 	variableSpent := int64(0)
 	for cat, amt := range thisMonth.ByCategory {
@@ -1347,6 +1368,13 @@ func (h *Handler) Goals(w http.ResponseWriter, r *http.Request) {
 			return
 		}
 
+		if action == "commit" || action == "uncommit" {
+			id := r.FormValue("id")
+			h.store.updateGoal(ctx, id, a.UserID, bson.M{"committed": action == "commit"})
+			http.Redirect(w, r, "/goals", http.StatusSeeOther)
+			return
+		}
+
 		// create goal
 		name := r.FormValue("name")
 		goalType := GoalType(r.FormValue("type"))
@@ -1454,6 +1482,31 @@ func (h *Handler) Goals(w http.ResponseWriter, r *http.Request) {
 		})
 	}
 
+	// sum committed goal contributions and detect conflicts
+	committedTotal := int64(0)
+	for _, p := range plans {
+		if p.Committed {
+			committedTotal += p.MonthlyCents
+		}
+	}
+	remainingDisposable := disposable - committedTotal
+
+	conflictWarning := ""
+	if committedTotal > disposable {
+		// find which committed goals are in conflict
+		var conflictNames []string
+		for _, p := range plans {
+			if p.Committed {
+				conflictNames = append(conflictNames, p.Name)
+			}
+		}
+		conflictWarning = fmt.Sprintf(
+			"Your committed goals require €%.0f/month but your disposable income is €%.0f/month. Consider pushing back a deadline or removing a goal.",
+			float64(committedTotal)/100, float64(disposable)/100,
+		)
+		_ = conflictNames
+	}
+
 	render(w, goalsTmpl, &GoalsData{
 		UserID:                a.UserID,
 		Email:                 a.Email,
@@ -1462,6 +1515,9 @@ func (h *Handler) Goals(w http.ResponseWriter, r *http.Request) {
 		Goals:                 plans,
 		AvgMonthlySavings:     avgMonthlySavings,
 		DisposableIncome:      disposable,
+		CommittedMonthlyCents: committedTotal,
+		RemainingDisposable:   remainingDisposable,
+		ConflictWarning:       conflictWarning,
 	})
 }
 

apps/finance/services/api/main/models.go

@@ -254,6 +254,9 @@ type GoalsData struct {
 	Title                   string
 	Route                   string
 	Goals                   []GoalPlan
-	AvgMonthlySavings  int64  // 3-month average savings for projection
+	AvgMonthlySavings       int64
-	DisposableIncome   int64  // from current month dashboard calc
+	DisposableIncome        int64
+	CommittedMonthlyCents   int64  // sum of all committed goal contributions
+	RemainingDisposable     int64  // disposable after committed goals
+	ConflictWarning         string // set when committing would exceed disposable
 }

apps/finance/services/api/main/store.go

@@ -287,6 +287,13 @@ func (s *Store) createGoal(ctx context.Context, g *Goal) error {
 	return err
 }
 
+func (s *Store) updateGoal(ctx context.Context, id, userID string, update bson.M) error {
+	ctx, span := mongo.StartSpan(ctx, "Store.updateGoal")
+	defer span.End()
+	_, err := s.goals().UpdateOne(ctx, bson.M{"_id": id, "user_id": userID}, bson.M{"$set": update})
+	return err
+}
+
 func (s *Store) deleteGoal(ctx context.Context, id, userID string) error {
 	ctx, span := mongo.StartSpan(ctx, "Store.deleteGoal")
 	defer span.End()

apps/finance/services/api/main/templates/goals.html

@@ -7,6 +7,13 @@
           class="btn btn-primary btn-sm">+ New goal</button>
 </div>
 
+{{if $d.ConflictWarning}}
+<div style="padding:14px 18px; border-radius:10px; margin-bottom:16px; font-size:13px;
+     background:rgba(248,113,113,0.08); border:1px solid rgba(248,113,113,0.25); color:var(--red);">
+  ⚠ {{$d.ConflictWarning}}
+</div>
+{{end}}
+
 {{if $d.AvgMonthlySavings}}
 <div style="display:flex; gap:10px; margin-bottom:20px; flex-wrap:wrap;">
   <div class="card value-card animate-on-scroll" style="flex:1; min-width:160px;">
@@ -17,8 +24,21 @@
   <div class="card value-card animate-on-scroll" style="flex:1; min-width:160px;">
     <h2>Disposable income</h2>
     <div class="value animate-counter" data-target="{{$d.DisposableIncome}}" data-prefix="€" style="color:var(--text);">€0</div>
-    <p style="font-size:12px; color:var(--text3); margin-top:4px;">this month</p>
+    <p style="font-size:12px; color:var(--text3); margin-top:4px;">before goals</p>
   </div>
+  {{if $d.CommittedMonthlyCents}}
+  <div class="card value-card animate-on-scroll" style="flex:1; min-width:160px;">
+    <h2>Reserved for goals</h2>
+    <div class="value negative animate-counter" data-target="{{$d.CommittedMonthlyCents}}" data-prefix="€">€0</div>
+    <p style="font-size:12px; color:var(--text3); margin-top:4px;">per month</p>
+  </div>
+  <div class="card value-card animate-on-scroll" style="flex:1; min-width:160px;">
+    <h2>Free to spend</h2>
+    <div class="value animate-counter {{if lt $d.RemainingDisposable 0}}negative{{else}}positive{{end}}"
+         data-target="{{$d.RemainingDisposable}}" data-prefix="€">€0</div>
+    <p style="font-size:12px; color:var(--text3); margin-top:4px;">after goals</p>
+  </div>
+  {{end}}
 </div>
 {{end}}
 
@@ -101,14 +121,29 @@
       {{end}}
     </div>
 
-    <!-- delete -->
+    <!-- commit / uncommit / delete -->
-    <form method="POST" action="/goals" style="margin-top:10px; text-align:right;">
+    <div style="display:flex; justify-content:space-between; align-items:center; margin-top:14px; flex-wrap:wrap; gap:8px;">
+      <form method="POST" action="/goals">
+        <input type="hidden" name="action" value="{{if .Committed}}uncommit{{else}}commit{{end}}">
+        <input type="hidden" name="id" value="{{.ID}}">
+        {{if .Committed}}
+        <button type="submit" class="btn btn-outline btn-sm" style="color:var(--green); border-color:var(--green)55;">
+          ✓ Committed — click to uncommit
+        </button>
+        {{else}}
+        <button type="submit" class="btn btn-primary btn-sm">
+          Commit to this goal
+        </button>
+        {{end}}
+      </form>
+      <form method="POST" action="/goals">
         <input type="hidden" name="action" value="delete">
         <input type="hidden" name="id" value="{{.ID}}">
         <button type="submit" class="btn btn-outline btn-sm" style="color:var(--red); border-color:var(--red)33;"
                 onclick="return confirm('Remove this goal?')">Remove</button>
       </form>
     </div>
+  </div>
   {{end}}
 </div>