feat(goals): show what each account still has room to earmark

[buzzromain]

Important

Stacked on #3160 and #3165 — do not merge before them. The commit list carries both. Two commits belong to this PR: feat(goals): show what each account still has room to earmark and the input-parsing and locale fixes that followed from review. It rebases down to those two once the others land. #3165 is a real dependency: the helper's scope test relies on completed goals having left the pool. Happy to convert to a draft until then.

Why

Account#free_to_earmark has existed, unused, since earmarks shipped. Its own comment said so: "Intended to back a non-blocking over-allocation warning (UI is a follow-up)." This is that follow-up — and the wording is the substance of it, not the maths.

It does not say "over-allocated"

free_to_earmark is negative for as long as the saving is unfinished, which is the normal condition of anyone with goals in progress. A 6,000 account backing two goals of 5,000 gives −4,000 and is a perfectly correct setup — verified by running it. A warning phrased as a fault would fire permanently, and a warning that is always on teaches people to ignore the ones that matter.

So the message states the consequence rather than a verdict:

Your goals on this account come to $10,000 for a balance of $6,000 — they will progress pro rata.

and when there is room:

$1,500 left to earmark on this account.

Both in text-secondary. Never text-destructive — that stays reserved for blocking errors like accountsError. Nothing here blocks anything; the form stays submittable in every case.

The trap: the goal being edited

goal_earmarked_total counts every goal, including the one on screen. Reopening a goal that earmarks 5,000 on a 6,000 account would show 1,000 of headroom, so re-entering the same 5,000 would trip a message about a configuration the user has not touched.

earmarked_by_other_goals excludes it — and only when it is persisted, since a goal being created has nothing to exclude. Both cases are tested, and the reopen scenario is a test of its own because it is this lot's acceptance criterion.

One query, and a test that enforces it

The pool is read once per render in the controller (new, edit, and all three error re-renders) and passed down; the helper reads a hash, never the database. The form lists every fundable account the user can see, so a per-account read would scale with the account list.

A test creates extra accounts, counts the pooled-allocation queries during the render, and asserts exactly one — it fails at two. The error paths are covered too: without the pool they hand the row helper a nil and the render blows up.

Stimulus

Its own controller with 3 targets. goal_form_controller is at 10 against the 7 the project guidelines suggest, needs none of this state, and is untouched — zero diff on that file.

Whole-balance links contribute zero here, since they reserve no fixed slice; what they do claim is guarded at write time by #3160 instead.

Verification

• bin/rails test — 6954 runs, 27968 assertions, 0 failures, 0 errors
• bin/rubocop -f github -a — clean
• bundle exec erb_lint — no errors
• npm run lint — 111 files, no errors
• bin/brakeman --no-pager — 0 security warnings

New: test/helpers/goals_helper_test.rb covering the sum, the self-exclusion, an unsaved goal, whole-balance links counting zero, an untouched account, and archived/completed goals being absent from the pool. Controller tests cover the rendered attributes, the single query, the reopen criterion, and the error re-render.

🤖 Generated with Claude Code

https://claude.ai/code/session_01DJ1npaGEHr6t2HW1rYZdt4

Summary by CodeRabbit

• New Features

  • Added one-off and maintained goal types.
  • Completing a goal preserves its balance and completion date.
  • Added actions and details for closing reached goals.
  • Goal forms now show account earmarking, available headroom, and funding guidance.

• Bug Fixes

  • Prevented conflicting whole-account allocations between active goals.
  • Improved earmark calculations by excluding archived and completed goals.
  • Prevented invalid goal restoration when accounts lack available headroom.
  • Preserved selected accounts after unsuccessful goal creation.
  • Added English and French validation and guidance messages.

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📥 Commits

Reviewing files that changed from the base of the PR and between c214fee12a9dae0b049e185a3c63eba6be18d081 and 1fce2641adc9ca877ef44b09910fe3a86761f1bf.

📒 Files selected for processing (3)

• app/controllers/goals_controller.rb
• app/views/goals/new.html.erb
• test/controllers/goals_controller_test.rb

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---

📝 Walkthrough

Walkthrough

Goals now support frozen completion balances and goal kinds. Goal forms calculate pooled earmarks, validate exclusive whole-account links, and show allocation warnings. Completed and archived goals have distinct display behavior and translations.

Changes

Goal lifecycle and earmarking

Layer / File(s)	Summary
Goal lifecycle state and persistence db/migrate/..., db/schema.rb, app/models/goal.rb, app/models/account.rb, test/models/goal_test.rb, test/fixtures/goal_accounts.yml	Goals store completion metadata and a constrained kind. Completion freezes the current balance. Reopening clears frozen data. Released goals no longer reserve earmarks.
Whole-account exclusivity and pooled earmark calculations app/models/goal_account.rb, app/models/goal.rb, app/helpers/goals_helper.rb, config/locales/models/goal*.yml, test/models/goal_account_test.rb, test/helpers/goal*_test.rb	Whole-account links reject conflicts among unreleased goals. Earmark totals exclude the current goal and released goals. Restore validation prevents recreated whole-account conflicts.
Goal form earmark feedback app/controllers/goals_controller.rb, app/views/goals/..., app/javascript/controllers/goal_earmark_controller.js, config/locales/views/goals/{en,fr}.yml, test/controllers/goals_controller_test.rb	Forms receive pooled allocations and update warnings for unchecked, empty, invalid, pro-rata, and remaining-headroom states. Validation errors preserve allocation data.
Completion display and supporting translations app/views/goals/show.html.erb, config/locales/views/goals/{en,fr}.yml	The celebration panel distinguishes completed goals from reached goals. Eligible one-off goals receive a close action, while other goals retain archive behavior.

Estimated code review effort: 4 (Complex) | ~45 minutes

Merge Risk: 🔵 Low · up to 1fce2

The PR adds account-level earmarking feedback, but partially numeric inputs may occasionally display incorrect headroom guidance while the form remains usable. Merge is reasonable with explicit owner awareness and follow-up on numeric validation.

Suggested reviewers: gariasf

Sequence Diagram(s)

sequenceDiagram
  participant Browser
  participant goal_earmark_controller
  participant GoalsController
  participant GoalAccount
  participant Goal
  Browser->>goal_earmark_controller: update account or allocation input
  goal_earmark_controller->>Browser: display earmark warning
  Browser->>GoalsController: submit goal form
  GoalsController->>GoalAccount: validate account links
  GoalAccount->>Goal: check unreleased goal allocations
  GoalsController->>Goal: create or update goal
  Goal->>GoalsController: return lifecycle and allocation state
  GoalsController->>Browser: render goal form or celebration panel

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🚥 Pre-merge checks | ✅ 4 | ❌ 1

❌ Failed checks (1 warning)

Check name	Status	Explanation	Resolution
Docstring Coverage	⚠️ Warning	Docstring coverage is 55.17% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 29 functions across 13 files. (1 skipped:…	Write docstrings for the functions missing them to satisfy the coverage threshold.

✅ Passed checks (4 passed)

Check name	Status	Explanation
Linked Issues check	✅ Passed	Check skipped because no linked issues were found for this pull request.
Out of Scope Changes check	✅ Passed	Check skipped because no linked issues were found for this pull request.
Description Check	✅ Passed	Check skipped - CodeRabbit’s high-level summary is enabled.
Title check	✅ Passed	The title clearly and concisely describes the main change: showing remaining account-level earmark capacity in goal forms.

Full details: Docstring Coverage

Explanation

Docstring coverage is 55.17% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 29 functions across 13 files. (1 skipped: 1 unsupported.)

✨ Finishing Touches 💡 1

⚔️ Resolve merge conflicts 💡

• Resolve merge conflict in branch feat/goal-earmark-headroom

🧪 Generate unit tests (beta)

• Create PR with unit tests

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Actionable comments posted: 4

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Inline comments:
In `@app/javascript/controllers/goal_earmark_controller.js`:
- Around line 76-85: Update the warning amount flow around the private `#money`
method to use server-side locale formatting instead of browser
Intl.NumberFormat. Format earmark amounts on the server and pass the resulting
formatted strings into Stimulus, removing the client-side locale-dependent
formatting while preserving the displayed currency values.
- Around line 50-63: Update the value parsing around entered to validate the
entire trimmed input against the allocation grammar before calculating total or
headroom, rejecting trailing characters and ambiguous comma-formatted values
such as “1,500”. Normalize the accepted input once and reuse that canonical
value for the preview and allocated_amount.

In `@app/models/goal_account.rb`:
- Around line 45-50: Serialize whole-account claims in GoalAccount by adding a
shared database lock or equivalent invariant covering every write path, not only
the conflict query for allocated_amount nil links. Also validate the
existing-link conflict whenever account_id or goal_id changes, preserving the
released-goal and self-exclusion rules.
- Line 43: Update the validation guard in the goal-account model to also run
when an existing record changes either account_id or goal_id, while preserving
the current new-record and allocated-amount change checks.

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---

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📥 Commits

Reviewing files that changed from the base of the PR and between 41d4db3 and c3f1da1f65b53a1b7d8792916bfb86598f393c16.

📒 Files selected for processing (21)

• app/controllers/goals_controller.rb
• app/helpers/goals_helper.rb
• app/javascript/controllers/goal_earmark_controller.js
• app/models/account.rb
• app/models/goal.rb
• app/models/goal_account.rb
• app/views/goals/_form.html.erb
• app/views/goals/edit.html.erb
• app/views/goals/new.html.erb
• app/views/goals/show.html.erb
• config/locales/models/goal_account/en.yml
• config/locales/models/goal_account/fr.yml
• config/locales/views/goals/en.yml
• config/locales/views/goals/fr.yml
• db/migrate/20260824120000_add_lifecycle_to_goals.rb
• db/schema.rb
• test/controllers/goals_controller_test.rb
• test/helpers/goals_helper_test.rb
• test/models/assistant/function/create_goal_test.rb
• test/models/goal_account_test.rb
• test/models/goal_test.rb

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[jjmata]

Please resolve merge conflicts here and other PRs, please. 🙏

[buzzromain]

Done — rebased onto main, and the same for the others you mentioned. All eight open PRs merge cleanly now:

PR	commits on top of main
#3148	4
#3153	6
#3154	4
#3166	3
#3176	5
#3177	8
#3179	2
#3180	3

Verified two ways: the API reports mergeable: true on each, and git merge-tree against main is clean for all eight locally.

Two things worth knowing before you merge them:

#3177 sits on #3176 — it carries #3176's commits, so it rebases down to its own three once #3176 lands. The other six are independent of each other. Ping me after any merge and I will rebase the rest.

Two of the conflicts were not mechanical, so they are worth a glance rather than a rubber stamp:

• feat(goals): show what each account still has room to earmark #3166 vs feat(goals): reserves you maintain, not goals you finish #3167 in app/helpers/goals_helper.rb — feat(goals): reserves you maintain, not goals you finish #3167 introduced goal_complete_confirm while feat(goals): show what each account still has room to earmark #3166 adds earmarked_by_other_goals. Both kept.
• fix(onchain-wallets): call transfers transfers, and drop the address swap #3153 vs fix(onchain): let the account take its wallet row with it #3182 in app/models/onchain_wallet_item.rb — fix(onchain): let the account take its wallet row with it #3182 modified change_wallet_address! while fix(onchain-wallets): call transfers transfers, and drop the address swap #3153 removes the method outright, which is that PR's whole point. I took the removal, then had to drop a change_address test fix(onchain): let the account take its wallet row with it #3182 had just added, since it calls a route fix(onchain-wallets): call transfers transfers, and drop the address swap #3153 deletes. Left alone, each PR was green on its own and the pair would have broken on merge.

bin/rails test is green on every branch (7,206–7,245 runs depending on the branch), with RuboCop, erb_lint and Brakeman clean.

[buzzromain]

Thanks for merging main in here — I had rebased the other seven onto it, but this branch is yours now so I built on top rather than force-pushing over your merge.

One thing the merge left behind: ci / lint has been failing on it. The merge landed #3176's spend tests between count_pool_queries and the helpers below it, so they ended up inside the private section at the wrong indentation, and RuboCop flags Layout/IndentationConsistency three times.

Worth knowing why that was easy to miss: test is a class method, so private does not hide the tests — they kept running and test_unit stayed green while only lint went red.

Moved back out with the other tests. Locally now:

bin/rails test    7,239 runs, 28,978 assertions, 0 failures, 0 errors
rubocop           2,365 files, no offenses
erb_lint          clean
brakeman          0 warnings

On the others: #3176 landing put #3154, #3177 and #3180 into conflict, and all three are rebased and green again. All seven remaining PRs report mergeable: true.

[jjmata]

Please resolve merge conflicts here and other PRs, please. 🙏