* feat(property): Layer 3 — Dream House Simulator
Add /dream page with a four-phase simulation engine:
Phase 1 — Save the down payment (uses current property equity)
Phase 2 — Construction period (both loans running simultaneously)
Phase 3 — Sell current house, apply proceeds to construction loan
Phase 4 — Final state: just the construction loan remaining
Inputs: dream cost, down payment %, construction loan rate/term,
build duration, monthly savings, expected sale price. All pre-filled
from existing property/loan data when available.
Output: per-phase timeline cards, monthly cost bar chart, total
interest, final payoff date, and a key levers section.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
* refactor(plan): rename Dream House to Goal Planner at /plan
- Route /dream → /plan
- Nav label "Dream House" → "Goal Planner"
- Template dream.html → plan.html
- All user-facing labels generalised (construction loan → new loan,
build duration → acquisition/build period, current property →
current asset, dream house cost → new goal cost, etc.)
- Empty state updated with generic copy and 🎯 icon
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
* feat(goals): merge Goal Planner into /goals as a second tab
- /goals now has two tabs: "Committed goals" and "Goal Planner"
- Goal creation only happens from the Planner tab (simulate first,
then "Save as goal" → creates an uncommitted goal)
- Commitment, deadline adjustment, and deletion stay on the Goals tab
- Off-track goals show an "Adjust deadline →" button that pushes the
deadline to the realistic date based on current savings rate
- /plan and /dream both redirect to /goals?tab=planner (301)
- "Goal Planner" nav link removed; plan.html kept for redirect compat
- GoalsData gains Tab, PlanProperties, PlanLoans, HasPlanResult,
PlanResult, PlanForm fields
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
* feat(goals): type-driven planner — Save for a purchase vs Sell & upgrade
Goal Planner tab now opens with two goal type cards:
🛒 Save for a purchase — name, target, monthly savings, optional
deadline. Shows time-to-reach at current rate, monthly needed
to hit the deadline, and a feasibility banner.
🔄 Sell & upgrade — the full four-phase transition simulator
(existing asset + loan → acquire new → sell old → payoff).
Each type has its own focused form and result section. Selecting a
type highlights the card and loads the matching form. Results include
a "Save as goal" action that drops an uncommitted goal into the
Goals tab.
Also adds runPurchaseSim() and PurchaseSimResult model.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
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Co-authored-by: Gonçalo Rodrigues <guga@Goncalos-MacBook-Pro.local>
Co-authored-by: Claude Sonnet 4.6 <noreply@anthropic.com>
- 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>
Adds a Goals page where users can plan financial goals before committing
to them. Each goal shows:
- Required monthly contribution to hit the deadline
- Months remaining vs months at current savings rate
- Disposable income impact (what's left after the contribution)
- Feasibility banner (green if on track, red with month delta if not)
- Progress bar once savings are tracked
Goal types: one-off purchase, deposit/down-payment, emergency fund,
recurring investment — each with a description hint in the creation modal.
Data: Goal model + store CRUD in finance_goals collection.
Nav: Goals tab added between Portfolio and Sharing.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
