budget2.0/docs/TODO.md

# TODO

Work still queued, for whoever picks it up next, human or agent. Ordered. Each
item says enough to act on without re-deriving the reasoning.

Finished work is not listed here. It is in the commit messages, and the
decisions behind it are in `docs/specs/` — one spec per sub-project,
each recording the alternatives that were rejected. Rules that outlived their
task moved to `AGENTS.md`.

**Current state:** the anchored model is merged with budget folders and
placement. The month pie showcase, browser-stored session backups, and
unassigned recurring costs are implemented. 881 tests pass across 64 files;
`bunx tsc --noEmit` is clean, and `SKIP_FX_FETCH=1 bun run build` succeeds
using the committed seed rates.

**Schema is at version 11.** v1 -> v2 made allocation rules a dated series;
v2 -> v3 moved currencies into the dataset; v3 -> v4 drops a stored rate-service
URL that can no longer work; v4 -> v5 adds sterling to an existing dataset;
v5 -> v6 collapses per-currency decimals into one dataset-wide setting; v6 -> v7
adds `Dataset.recurring`; v7 -> v8 adds budget folders and assigns existing
posts and recurring bills a deterministic mixed sibling order under Unfiled.
v8 -> v9 adds optional purchase and bill placement fields without moving old rows;
v9 -> v10 nests existing unfiled single-post bills under their post.
v10 -> v11 moves a `lastCharge` cost off slots — it strips `occurrenceDate`
from every anchored charge, expands a month-only `startDate` on an anchored
`everyNMonths` cost to a day-granular one, and expands a month-only
`Purchase.date` on every anchored charge (the day comes from the
`occurrenceDate` being stripped when that names one in the same month,
otherwise the 1st). The first nine preserve financial behaviour — not one
changes a stored figure. The tenth changes no stored figure either, but it is
NOT behaviour-preserving by construction: an anchored cost's projected due
dates genuinely change shape, because they no longer come from a grid at all.
All ten are tested.

A migration applies **on load, in memory**; it is written back on the next
mutation, not by `load()` itself. So a freshly migrated dataset shows the new
shape immediately while IndexedDB still holds the old version for a while. That
is not a bug, but it will mislead you if you verify a migration by reading
IndexedDB instead of the app.

---

## Optional monthly income forecast

Add a user-controlled toggle that predicts a month's income from earlier months.
For each earlier month, divide its recorded income by that month's number of
workdays; average those per-workday figures, then multiply by the target month's
workdays. Let the owner adjust the prediction when income changes, for example
after a raise, without rewriting recorded income or earlier months. Show
predicted and entered income distinctly, and keep budgeting based on entered
income unless the owner explicitly chooses otherwise. Before implementation,
settle whether workdays mean Monday–Friday only or exclude local holidays, and
whether an adjustment applies to one month or all future predictions.

## 1. Folder rename blur during an in-flight save

A folder name draft can remain unsaved if the owner changes it while a rename
save is in flight and then blurs the field before that save finishes. Preserve
the newer draft and ensure the blur requests a subsequent save after the pending
write completes. Cover the delayed-write sequence with a UI interaction test,
including the final persisted name and any surfaced write error.

## 2. Recurring split editor interaction coverage

`RecurringSplitEditor` has coverage for destination selection and dedicated post
creation, but its rendered split mode and value controls lack a focused
interaction test. Exercise the real controls to switch percentage/fixed mode
and edit a split value, then assert the resulting splits and remainder behavior.
Keep this scoped to the editor's user interaction; domain split calculations
already have their own tests.

## 3. Two things the recurring-cost model gets wrong, both known

Neither is a bug introduced by the anchored model. Both are recorded here
because they were found while reviewing it, and both are the kind of thing a
future reader would otherwise rediscover the hard way.

### Editing a live calendar cost re-grids it and orphans its charges

`updateRecurringCost` refuses an `anchoring` change once a cost has charges
(AGENTS.md §2 says why), but it ACCEPTS `recurrence` and `startDate` changes on
the same charged cost. For a `calendar` cost those two fields ARE the grid, so
changing either moves every slot — and every existing charge still names, in
`source.occurrenceDate`, a slot that no longer exists. The confirmation stops
matching anything, the slot it settled reappears as unpaid, and the bill is
counted twice: once as the purchase that was really paid, once as an
expectation that never was.

Reproduction, run and confirmed:

1. A `calendar` cost, `everyNDays` with `n: 7`, 1000 kr, starting 2026-09-01,
   allocated 5000 kr in a 2026-09 with 20000 income.
2. Confirm the SECOND slot — `confirmOccurrence(cost, "2026-09-08")`, one real
   purchase carrying `occurrenceDate: "2026-09-08"`.
3. September reads `expected 4000`, `projected 0`, `remaining 4000`.
4. Change `n` to 5. Nothing else.
5. September reads `expected 6000`, `projected -2000`, `remaining 4000`.

The paid bill now counts as both a charge and an expectation. Nothing warns.

The second slot, not the first, on purpose: the new grid (01, 06, 11, …) still
contains 2026-09-01, so a confirmation of the FIRST slot survives the re-grid
by luck and the damage is smaller (`expected 5000`, `projected -1000` — still
wrong, because the grid gained a slot). Any confirmed slot the new grid does
not happen to contain is orphaned outright.

Do NOT patch this by silently rewriting the stored `occurrenceDate`s — there
is no honest mapping from one grid to another, which is exactly the reasoning
that made an anchoring change refusable. The real question is a product one:
what should editing a live bill MEAN? Plausible answers are refusing the edit
the way an anchoring change is refused, ending the cost and starting a new one
(what the owner is told to do today for anchoring), or giving `RecurringCost`
a dated series the way `Post.rules` already has, so a rent increase or a
schedule change takes effect from a month rather than retroactively. That is a
design decision with a spec behind it, not a patch.

### An anchored cost has no HISTORY of expectations

This follows from the spec and is not a defect, but it sits in tension with
AGENTS.md §1's "archiving must not retroactively remove past expected charges",
so it deserves saying out loud.

The anchored walk emits occurrences from ONE anchor: the latest charge.
Recording a charge therefore erases every earlier month's expectation for that
cost — there is nothing left in the dataset that says a charge was once
expected in July. Consequences, all by design:

- `overdue` in `ExpectedBand` is 0 for any anchored cost that has ever been
  charged — which is every real one, after its first charge. It counts
  unconfirmed occurrences in earlier months, and an anchored cost projects
  none behind its anchor. (An anchored cost with NO charges yet does project
  into the past from its `startDate`, and those do count, so the figure is not
  structurally zero; it collapses to zero the moment a charge is recorded.)
- A PAST month's `projected` figure moves when a charge is recorded today,
  because the expectation that month used to carry stops being projected.
  `remaining` — the real, spent-money figure — is untouched, so the historical
  record of what happened is intact; it is the projection that is not
  historical.

Measured on a monthly anchored cost of 300 kr starting 2026-06-01, in a
dataset folding from 2026-06 with the current month at 2026-09. Before any
charge: July reads `expected 300`, `projected 9400`, `remaining 10000`, and
`overdue` is 3. After one charge dated 2026-09-04: July reads `expected 0`,
`projected 10000`, `remaining 10000`, and `overdue` is 0.

A `calendar` cost behaves the way §1 describes: its grid is fixed, so past
slots stay put whether they were ever settled or not. The two anchorings differ
here on purpose (AGENTS.md §1's schedule invariant), and unifying them would
reintroduce the bug the anchored model exists to fix.

## 4. Anchored-model follow-ups left after the merge with main

The anchored model was merged on 2026-09-30, after main had gained budget
folders, placement and nested bills. Everything below is known and unfinished.

### A bill created from the purchase dialog has no folder choice

Settings' new-bill form picks a folder; the dialog's "+ New recurring cost…"
does not. The new bill nests under its post when it has exactly one split
(the same default Settings applies), otherwise it lands in Unfiled and has to
be moved from Budget folders. Decide whether the dialog needs the picker or
whether moving it afterwards is fine for an occasional action.

### "Unlink from bill" was replaced by the Recurring cost select

Main had an "Unlink from bill" checkbox on an edited purchase; the merge
dropped it because choosing "None" in the anchored model's "Recurring cost"
select does the same thing (and `updatePurchase` now honours an explicit
`source: undefined`). Its copy said "the occurrence will show as expected
again", which is true for a `calendar` bill and meaningless for a
`lastCharge` one, whose next due date simply re-derives from the remaining
charges. Confirm the owner does not miss the checkbox; nothing tests its
absence.

### Not yet driven in a browser

The merge was checked by the full suite, `tsc`, a build, and screenshots of
the month page and Settings with demo data (both render, no console errors,
Car insurance shows "Next 2026-10-19" after charges on 3 and 19 September).
Not yet clicked through by anyone:

- tagging a new purchase to an existing anchored bill and seeing its next due
  date move in the Budget tree and in Expected;
- "+ New recurring cost…" end to end, including where the new bill appears in
  Budget folders;
- untagging an edited purchase via "None";
- the Settings anchoring control switching a never-charged monthly bill to
  "the last charge" (its month-only start should expand to the 1st and the
  Month/Date precision control should disappear), and being locked once the
  bill has a charge.

## 5. Visual redesign, sub-project 3 — Year, Summary, Post detail

The owner's brief for the whole redesign: *"right now it looks a bit boring,
simple and ugly. We want sleek, modern, and nice to use."* On scoping: both
themes with a toggle, a full rethink of every screen, purchases compact and
grouped by date, ship a webfont — and *"override everything you want for this
step."*

Sub-projects 1 (design foundation, `bb3c661`) and 2 (month view, `7b71811`) are
done, each with a spec in `docs/specs/`. These three screens are on
the new foundation but have not been rethought. The open question is the
12-month matrix: it only fits by scrolling, and compact number formatting may be
what replaces that rather than a scroll container.

**The diagnosis that shaped the decomposition, which still applies:** a design
system already existed and was never wired up. `src/index.css` defined the
paper/ink/teal palette with a contract document behind it, while the app painted
shadcn's default white and near-black; the tokens reached the screen in two
places only. Doing the foundation last is how that happened. Do not repeat it —
extend the foundation rather than styling a screen locally.

**Three things sub-project 2 settled that these screens should inherit rather
than re-decide** (spec: `2026-09-02-month-view-design.md`):

- **Meter geometry lives in `src/ui/meterSegments.ts`**, pure and tested, with
  `<Meter>` as the only thing that paints it. A third meter belongs there too,
  not inline in a component. Negatives clamp rather than invert, because a
  segment of negative width puts the gradient's stops out of order and paints
  something arbitrary instead of failing.
- **Two markups, not one reflowing grid.** The post table is a real `<table>`
  from `sm:` up and a list of two-line blocks below it. At 390px the layout
  genuinely stops being a table, and `role="table"` on it would describe rows
  and columns that no longer exist on screen. The year matrix faces the same
  question with more columns to lose.
- **State the currency once per table, not per cell.** Every figure in the post
  table is base currency, so `formatSignedAmount` prints bare numbers and the
  legend names DKK once. This is what stopped "+4,219.61 DKK" wrapping on a
  phone. `formatMoney` is still right wherever an amount can be in some other
  currency — every purchase row, for one.

## 6. Visual redesign, sub-project 4 — dialogs and fast entry

Untouched. Native `<select>` elements are still browser-default, and
`up` / `down` / `archive` in Settings are bare text buttons. Covers the purchase
dialog, the split editor, the plan editor and bulk entry.

There is already a spec for fast-entry *behaviour* —
`2026-09-02-fast-entry-refinements-design.md`. Read it before restyling, so the
visual work does not fight it.

## 7. Currency work deliberately left undone

All three were decided against at the time, not forgotten. Reopen only with a
reason.

- **The income field and the split editor's fixed-amount fields do not parse a
  currency** — only the purchase total does. Same helper (`parseMoneyInput`),
  same three-line pattern. The income field is arguably wrong to make
  multi-currency at all, since a month has one income.
- **No currency picker convenience.** Adding a currency means typing the code,
  name, symbol and decimals by hand. A bundled ISO 4217 list would be nicer, and
  is pure data.
- **Symbol collisions resolve to the first currency defined with that symbol.**
  Fine for one "$" currency; if the owner adds two, typing the code
  disambiguates and nothing warns them. Tested, documented, not solved.

## 8. Still needs a human

`scripts/screenshot.ts` drives headless Chrome, so this list is much shorter
than it was. Already seen and confirmed working: the carry meter (including red
where a post is overspent), the rule-history editor, "change from here", the
baked FX rates arriving in a fresh dataset, the reset writing a fresh dataset to
IndexedDB, and every route at desktop and mobile widths in both themes.

Genuinely outstanding:

- **How it looks and feels.** A screenshot proves a layout is not broken. It
  cannot tell you the design is good, and the container's fonts are not the
  owner's fonts.
- **Offline behaviour** and the **install prompt**. The service worker itself is
  no longer unverified: it demonstrably installs, activates, claims the page,
  precaches all 11 assets, and applies an update cleanly (`e6da85e`). What is
  still unverified is a real offline load with the network actually cut, and
  Chrome's install prompt appearing.
- **The pre-destructive backup actually landing as a file.** Import and reset
  both download a JSON backup before replacing the dataset, and only proceed
  when that reports success — but headless Chrome's download is not observable
  here, so the backup is *issued*, never confirmed openable.
- **The generated `.ods` opening in a real spreadsheet.** Validated
  structurally: mimetype first and stored, well-formed XML, numeric cells.
- **Keyboard flow in fast entry** — Tab traversal, Backspace-to-remove, and
  focus placement after a row auto-appends. Drivable over CDP in principle; not
  yet done.
- **GitHub Actions** has never been executed.
- **Whether two-stage confirmation matches how the owner actually reconciles a
  bank statement.** Recurring costs (`docs/specs/2026-09-03-recurring-costs-design.md`)
  project expected occurrences and require a click to turn one into a real
  purchase, rather than charging automatically. That is a product bet a week of
  real use answers and no test can.
- **Whether the anchored (`lastCharge`) model actually matches how the
  owner's phone plan bills.** The design
  (`docs/specs/2026-09-05-recurring-costs-anchored-model.md`) rebases the
  series on whatever was last charged, restarting the clock every time — a
  reasonable model of "refreshes when the data runs out", built from the
  owner's own description rather than from watching a real bill arrive. Only
  a cycle or two of real use confirms the shape is right.
- **The overdue count against a large, real backlog.** `ExpectedBand` counts
  unconfirmed occurrences from earlier months, and demo data does now
  accumulate a modest one (a few months of an unconfirmed monthly bill plus a
  biweekly one, ~14 occurrences by September) that renders without incident.
  Nobody has seen the count or the layout against years of neglect or dozens of
  distinct bills.