feat: support unassigned purchases and allocation status

Allow month-only purchases to start finance plans. Keep unbudgeted posts distinct from explicit zero rules in overspend reporting.

src/domain/views.test.ts

@@ -55,6 +55,33 @@ const data: Dataset = {
 };
 
 describe("monthView", () => {
+  test("counts a loose purchase as spent without charging a post", () => {
+    const loose: Dataset = { ...data, purchases: [{ ...spend("loose", "food", 75, "2026-01"), splits: [] }] };
+    const view = monthView(loose, "2026-01");
+    expect(view.totalCharges).toBe(75);
+    expect(view.rows.every((row) => row.figures.charges === 0)).toBe(true);
+    expect(view.rows[0]!.figures.remaining).toBe(2000);
+  });
+
+  test("counts financed loose slices in their months and converts currency", () => {
+    const loose: Dataset = {
+      ...data,
+      fxRates: [{ currency: "EUR", baseUnitsPerOne: 7.5, updatedAt: "2026-01-01", source: "manual" }],
+      purchases: [{
+        ...spend("loose", "food", 10, "2026-01"),
+        total: { amount: 10, currency: "EUR" },
+        splits: [],
+        schedule: { slices: [
+          { month: "2026-01", amount: { amount: 4, currency: "EUR" } },
+          { month: "2026-02", amount: { amount: 6, currency: "EUR" } },
+        ] },
+      }],
+    };
+    expect(monthView(loose, "2026-01").totalCharges).toBe(30);
+    expect(monthView(loose, "2026-02").totalCharges).toBe(45);
+    expect(yearView(loose, 2026).totalCharges).toBe(75);
+    expect(summaryView(loose, "2026-01", "2026-02").looseCharges).toBe(75);
+  });
   test("reports income, allocations, and the unallocated remainder", () => {
     const view = monthView(data, "2026-01");
     expect(view.income).toBe(10000);
@@ -104,6 +131,35 @@ describe("monthView", () => {
     expect(view.overspentCount).toBe(0);
   });
 
+  test("no allocation rule stays distinct from an explicit zero allocation", () => {
+    const unbudgeted = { ...post("none", 0, 0), rules: [] };
+    const zero = post("zero", 1, 0);
+    const caseData: Dataset = {
+      ...data,
+      posts: [unbudgeted, zero],
+      purchases: [spend("a", "none", 25, "2026-01"), spend("b", "zero", 25, "2026-01")],
+    };
+    const view = monthView(caseData, "2026-01");
+    expect(view.rows.map((row) => row.hasAllocationRule)).toEqual([false, true]);
+    expect(view.rows.map((row) => row.figures.remaining)).toEqual([-25, -25]);
+    expect(view.overspentCount).toBe(1);
+    expect(yearView(caseData, 2026).rows.map((row) => row.hasAllocationRuleByMonth[0])).toEqual([false, true]);
+  });
+
+  test("a monthly override counts as an allocation rule even before any standing rule", () => {
+    const caseData: Dataset = {
+      ...data,
+      posts: [{ ...post("none", 0, 0), rules: [] }],
+      months: [{ id: "2026-01", income: { amount: 10000, currency: "DKK" }, ruleOverrides: {
+        none: { kind: "fixed", amount: { amount: 0, currency: "DKK" } },
+      } }],
+      purchases: [spend("a", "none", 25, "2026-01")],
+    };
+    const view = monthView(caseData, "2026-01");
+    expect(view.rows[0]!.hasAllocationRule).toBe(true);
+    expect(view.overspentCount).toBe(1);
+  });
+
   test("archived posts appear only when they have activity", () => {
     const withArchived: Dataset = {
       ...data,