feat(budgets): show what is actually free, beside the plan by buzzromain · Pull Request #3179 · we-promise/sure

buzzromain · 2026-08-25T12:57:55Z

Important

Stacked on #3160, #3165 and #3167 — do not merge before them. The commit list carries all three. One commit belongs to this PR, feat(budgets): show what is actually free, beside the plan, and it rebases down to that single commit once they land. The dependency is on the goal side, not the budget one: the earmark figure is only correct once completed goals release their claim (#3165) and two goals can no longer both claim an account in full (#3160).

It will conflict with #3143 and #3164 in app/models/budget.rb when they land — additive, in a different part of the file. Happy to rebase whenever the order is decided.

A design decision worth disagreeing with before reviewing the code

The budget has never consulted an account balance. budgeted_spending and expected_income are numbers the user typed, and every figure on the page derives from them. It is a forecast, checked against reality after the fact, and it cannot answer "what do I actually have right now".

There are two ways to close that gap:

Fold cash into the allocation arithmetic. The budget becomes YNAB's: you distribute money you hold, not money you expect. available_to_allocate stops meaning "what is left of my plan" and starts meaning "what is left of my balance".
Show the cash beside the plan. The forecast stays a forecast, and the answer to the second question sits next to it.

This PR does (2), deliberately. Folding the two together is a different product, and a page showing "expected income 3,000" beside "really free 1,600" leaves the reader unsure which number drives the split. A test asserts allocated_spending, available_to_allocate and budgeted_spending are all untouched.

If the project wants (1), this is the wrong shape and I would rather rework it than bolt the other behaviour on. Say so and I will.

What changed

Budget#available_cash, #earmarked_for_goals, #free_cash, and a panel below the plan showing the three.

What reviewers should look at

The subtraction must be over the same accounts as the sum. Goal::FUNDABLE_ACCOUNT_TYPES includes Investment, so a goal can be backed by a brokerage account that available_cash never counted. Subtracting that earmark would show a "really free" figure too low — or negative — with nothing on the page to explain why. earmarked_for_goals is restricted to cash_accounts, and Goal#backing_within exists to ask exactly that.

It reads through the shared pool, not allocated_amount. A whole-account link reserves no fixed slice, so summing the column naively counts it as zero while it actually claims the remainder. Going through backing_share_for is what makes a 6,000 account fully claimed by one whole-account goal come out as 6,000 earmarked and 0 free.

Scoping. Like #transactions: a personal budget sees its owner's accounts, the household one what the viewer can see. A figure labelled "available" has to mean available to the person reading it.

The preview flag. Goals are behind it, so a panel that subtracts what they claim and links to them must be too — otherwise it points at a page the reader cannot open and explains a subtraction they have no way to inspect.

Testing

bin/rails test — 7083 runs, 28500 assertions, 0 failures, 0 errors. RuboCop, erb_lint and Brakeman clean.

Eight model tests: liquidity only, excluded accounts left out, a fixed earmark subtracted, a whole-account link counted for what it really claims, an investment-backed earmark ignored, a released goal handing its money back, free cash never negative, and the allocation arithmetic untouched. Two controller tests cover the flag in both positions.

Summary by CodeRabbit

New Features
- Added maintained reserve goals with funded and depleted statuses.
- Added reserve-specific forms, indicators, messaging, and shortfall details.
- Added lifecycle panels for projections, celebrations, empty states, and inactive goals.
- Added an available-cash panel showing cash, earmarked funds, and free cash.
- Added goal-kind selection with automatic target-date handling.
Bug Fixes
- Prevented conflicting full-account allocations.
- Preserved selected accounts after validation errors.
- Improved completed-goal balances, cash calculations, KPI treatment, and restore validation.
Localization
- Added English and French translations for reserve goals, cash summaries, and validation messages.

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📒 Files selected for processing (13)

app/components/goals/card_component.rb
app/components/goals/lifecycle_panel_component.html.erb
app/components/goals/lifecycle_panel_component.rb
app/models/budget.rb
app/models/goal.rb
app/views/plans/_goals_card.html.erb
config/locales/views/budgets/en.yml
config/locales/views/budgets/fr.yml
config/locales/views/goals/en.yml
config/locales/views/goals/fr.yml
db/schema.rb
test/controllers/plans_controller_test.rb
test/models/goal_test.rb

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config/locales/views/goals/fr.yml
config/locales/views/budgets/en.yml

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📝 Walkthrough

Walkthrough

Adds maintained reserve goals with funded and depleted states, frozen completion amounts, whole-account earmark protection, available-cash calculations, reserve-aware forms, and updated goal and budget interfaces.

Changes

Goals and cash management

Layer / File(s)	Summary
Goal lifecycle and reserve states `db/migrate/...`, `db/schema.rb`, `app/models/goal.rb`, `test/models/goal_test.rb`	Adds goal kinds, completion snapshots, reserve statuses, target-date clearing, lifecycle transitions, and projection limits.
Earmark pooling and exclusivity `app/models/account.rb`, `app/models/goal_account.rb`, `app/models/goal.rb`, `test/models/goal_account_test.rb`, `config/locales/models/*`	Completed goals leave earmark pools. Whole-account links cannot conflict. Restore and kind-change validations report localized errors.
Available-cash calculation and display `app/models/budget.rb`, `app/views/budgets/`, `config/locales/views/budgets/`, `test/models/budget_available_cash_test.rb`, `test/controllers/budgets_controller_test.rb`	Calculates available, earmarked, and free cash. The budget page renders the panel when preview features are enabled.
Reserve goal creation flow `app/controllers/goals_controller.rb`, `app/javascript/controllers/goal_kind_controller.js`, `app/views/goals/_form.html.erb`, `app/views/goals/new.html.erb`, `test/controllers/goals_controller_test.rb`	Adds kind selection, hides and clears target dates for reserves, permits `kind`, preserves selected accounts after validation errors, and renders account-link errors.
Reserve status presentation and actions `app/components/goals/`, `app/views/goals/show.html.erb`, `app/helpers/goals_helper.rb`, `config/locales/views/goals/`, `test/components/goals/lifecycle_panel_component_test.rb`, `test/controllers/goals_controller_test.rb`, `test/controllers/plans_controller_test.rb`	Adds funded and depleted presentation, reserve shortfall and celebration panels, reserve card labels, updated actions, and KPI exclusions.

Estimated code review effort: 4 (Complex) | ~60 minutes

Merge Risk: ⚪ Minimal · up to 7c896

The change adds available-cash information without altering the existing budget allocation arithmetic, and no actionable merge-blocking risk remains after normal checks and review.

Sequence Diagram(s)

sequenceDiagram
  participant GoalForm
  participant goal_kind_controller
  participant GoalsController
  participant Goal
  participant GoalAccount
  GoalForm->>goal_kind_controller: select maintained kind
  goal_kind_controller->>GoalForm: hide and clear target date
  GoalForm->>GoalsController: submit goal kind and account links
  GoalsController->>Goal: create maintained goal
  Goal->>GoalAccount: validate whole-account links
  GoalAccount-->>GoalsController: return validation result

Suggested reviewers: gariasf

🚥 Pre-merge checks | ✅ 4 | ❌ 1

❌ Failed checks (1 warning)

Check name	Status	Explanation	Resolution
Docstring Coverage	⚠️ Warning	Docstring coverage is 39.51% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 81 functions across 21 files. (6 skipped:…	Write docstrings for the functions missing them to satisfy the coverage threshold.

✅ Passed checks (4 passed)

Check name	Status	Explanation
Description Check	✅ Passed	Check skipped - CodeRabbit’s high-level summary is enabled.
Title check	✅ Passed	The title clearly summarizes the primary change: adding free-cash information beside the existing budget plan.
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.

Full details: Docstring Coverage

Explanation

Docstring coverage is 39.51% which is insufficient. The required threshold is 80.00%. Docstring coverage is scoped to functions touched by this diff. Analyzed 81 functions across 21 files. (6 skipped: 6 unsupported.)

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Resolve merge conflict in branch feat/budget-available-cash

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Inline comments:
In `@app/models/budget.rb`:
- Around line 203-204: Update the goal-backing sum in the available-cash
calculation to convert each Goal#backing_within(ids) result through
convert_to_budget_currency before summing, matching the currency used by
Budget#currency balances.

In `@app/models/goal.rb`:
- Around line 114-125: Update whole_account_conflicts_on to lock the affected
Account rows before querying GoalAccount conflicts, selecting accounts in stable
ID order and retaining the locks through the surrounding write transaction.
Preserve the existing empty-input handling and conflict filters.

In `@app/views/goals/_form.html.erb`:
- Line 30: Update the change action on the goal-kind radio input to also invoke
goal-form#suggestedChanged after goal-kind#refresh, so clearing the date input
when selecting maintained refreshes the pace suggestion.

In `@config/locales/views/budgets/fr.yml`:
- Around line 23-29: Move the available_cash translation block from
budget_categories into the budgets block so the keys resolve as
budgets.available_cash.heading and related entries. Preserve all existing French
labels and hierarchical key names.

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📒 Files selected for processing (31)

app/components/goals/card_component.rb
app/components/goals/progress_ring_component.rb
app/components/goals/status_pill_component.rb
app/controllers/goals_controller.rb
app/javascript/controllers/goal_kind_controller.js
app/models/account.rb
app/models/budget.rb
app/models/goal.rb
app/models/goal_account.rb
app/views/budgets/_available_cash.html.erb
app/views/budgets/show.html.erb
app/views/goals/_form.html.erb
app/views/goals/new.html.erb
app/views/goals/show.html.erb
config/locales/models/goal/en.yml
config/locales/models/goal/fr.yml
config/locales/models/goal_account/en.yml
config/locales/models/goal_account/fr.yml
config/locales/views/budgets/en.yml
config/locales/views/budgets/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/budgets_controller_test.rb
test/controllers/goals_controller_test.rb
test/fixtures/goal_accounts.yml
test/models/assistant/function/create_goal_test.rb
test/models/budget_available_cash_test.rb
test/models/goal_account_test.rb
test/models/goal_test.rb

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Actionable comments posted: 1

🧹 Nitpick comments (1)

app/components/goals/lifecycle_panel_component.html.erb (1)
113-128: 📐 Maintainability & Code Quality | 🔵 Trivial | ⚖️ Poor tradeoff

Move the legend swatches and arbitrary sizes onto design-system primitives.

Lines 115, 120, and 125 place raw <svg> markup in a view template. Line 113 uses text-[11px] and line 132 uses min-h-[200px].

Extract the swatch into a small DS primitive or component slot, and use scale tokens where one fits. The coding guidelines state: "use the icon helper instead of lucide_icon directly; no raw SVG outside DS primitives; ... avoid arbitrary *-[Npx] values when a scale token fits."

Also applies to: 132-132
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In `@app/components/goals/lifecycle_panel_component.html.erb` around lines 113 -
128, Replace the raw SVG legend swatches in the lifecycle panel, including the
saved, projection, and required variants, with an existing design-system
primitive or a small reusable DS component/slot that supports their line
styling. Replace text-[11px] and min-h-[200px] with the closest applicable
design-system scale tokens, preserving the current layout, colors, dash
patterns, and conditional legend behavior.
Source: Coding guidelines

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Inline comments:
In `@app/models/goal.rb`:
- Around line 137-151: Change the Goal validation flow around
whole_account_conflicts_on and whole_account_link_must_be_exclusive so all
account IDs for the goal are collected and advisory-locked once in sorted order
before child validation; do not acquire locks independently in association order
via lock_whole_account_claims!.

---

Nitpick comments:
In `@app/components/goals/lifecycle_panel_component.html.erb`:
- Around line 113-128: Replace the raw SVG legend swatches in the lifecycle
panel, including the saved, projection, and required variants, with an existing
design-system primitive or a small reusable DS component/slot that supports
their line styling. Replace text-[11px] and min-h-[200px] with the closest
applicable design-system scale tokens, preserving the current layout, colors,
dash patterns, and conditional legend behavior.

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📒 Files selected for processing (11)

app/components/goals/lifecycle_panel_component.html.erb
app/components/goals/lifecycle_panel_component.rb
app/helpers/goals_helper.rb
app/models/budget.rb
app/models/goal.rb
app/views/goals/show.html.erb
config/locales/views/budgets/fr.yml
test/components/goals/lifecycle_panel_component_test.rb
test/models/budget_available_cash_test.rb
test/models/goal_account_test.rb
test/models/goal_test.rb

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config/locales/views/budgets/fr.yml

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Inline comments:
In `@app/models/goal.rb`:
- Around line 569-572: Update the goal status projection around maintained? and
the reached-condition logic so fully funded maintained goals do not return the
reached projection state. Add a maintained-goal branch before the reached check,
or limit that check to one_off?, while preserving the existing :funded status
behavior for maintained goals.

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app/models/goal.rb
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Review on we-promise#3179 and we-promise#3180. `Goal#needs_attention?` names the pair of statuses that mean "this one wants looking at" — a goal off its pace and a reserve below its floor. Three places were spelling that out and the Plan hub's progress bar had fallen behind, so a depleted reserve got a neutral bar an inch from its own amber status pill: the same goal reported as needing attention and not. `projection_summary` told a funded reserve it had "hit the target, no projection needed". A reserve holds a level; there is no finish line to project toward and no target to have hit. It does not reach that panel today — the shortfall and celebration panels catch it first — but the method reads as the single source of truth for that subtitle and should not hand a caller a one-off's wording. The legend swatches are bordered spans now rather than inline SVG, and the label takes `text-xs` instead of an arbitrary 11px. The projection swatch keeps the chart's own colour variables in an inline style rather than `border-success` / `border-warning`: the chart hard-codes green-600 and yellow-600, and a legend whose colour does not match the line it describes is worse than the markup it would save. The Plan-card test counts warning bars rather than matching one. A fixture goal is already off its pace, so the markup is on the page either way and a presence check passed without the fix. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye

* feat(goals): reserves you maintain, not goals you finish An emergency fund is not a goal you reach and close — it is a level you hold, and every withdrawal is a shortfall to make good. Sure treated it like anything else: at 100% it offered to close it, which would release the very money being set aside; a withdrawal dropped the bar with no sign that anything was owed. `kind` (added by the lifecycle lot without behavior) now means something. A maintained goal is `funded` or `depleted`, never `reached` — sitting at its floor is a steady state, not an achievement to file away. `complete` is refused by an AASM guard rather than merely hidden, so no path can release a reserve's earmark. Two ordering traps, both of which would have made a drained reserve invisible: `ACTIVE_DISPLAY_STATUS_RANK` falls back to 4 for any status it does not know, so an unranked `:depleted` would sort a drained emergency fund below everything else — the exact opposite of what it means. It ranks alongside `:behind` now, and `:funded` sorts near the end with the goals that need nothing. `behind_pace?` excludes reserves. `monthly_target_amount` and `pace` both derive from `target_date`, which a reserve does not have, so "save X/month to catch up" would be advice about a deadline that does not exist. The form leads with the choice, since it changes what the rest of it means, and hides the target date for a reserve rather than disabling it — a hidden field cannot submit a stale value that would then drive a pace. The card states the shortfall, which is exactly `remaining_amount`. The panel that offers a one-off its closing action tells a reserve it is intact and offers nothing, because there is nothing to do. Scope: fixed targets only. Targets expressed in months of expenses, the monthly refresh job, and the depletion insight are the next two PRs. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01DJ1npaGEHr6t2HW1rYZdt4 * fix(goals): let a reserve behave like one everywhere it is shown Addresses review feedback on #3167. The kind selector never hid the target date. `data-controller="goal-kind"` sat on the selector div while its `dateField` target is a sibling, so `dateFieldTargets` came back empty and picking "Reserve to maintain" left the deadline on screen and submittable. The controller moves to the form wrapper, which encloses both. Hiding a field is not enforcement, so the model now clears `target_date` for a maintained goal. Normalising rather than rejecting: the field is hidden, and an error about something the user cannot see is not actionable. A date could only arrive through a conversion or a crafted request, and either way a stored deadline would drive a pace the reserve does not have. A completed goal could be switched to `maintained` from the edit form. It then sat in a released state — one that has handed its earmark back — while the show page promised its money stays reserved, and `complete` for reserves is refused precisely to prevent that state. `kind` is now locked while released: reopen first. Reserves counted against the "goals on track" tile. Their statuses are `funded`/`depleted`, which match none of the exclusions in `tracked_total`, so they could never reach the numerator and a family with one reserve read "0 of 1 on track" for a goal working exactly as intended. Two more places still spoke of pace to something that has none. `pace_line` is suppressed for reserves on the card, and a depleted reserve gets its own panel before the projection card — the projection's summary, catch-up line and colour are all built from a deadline. What a drained reserve needs is the number the projection cannot show: how much is missing from the floor. The French celebration copy read "Votre réserve est à son niveau", which never says which level. Each guard was confirmed load-bearing by removing it and watching its test fail. bin/rails test: 6962 runs, 28003 assertions, 0 failures. RuboCop, erb_lint and Brakeman clean. Left open deliberately: extracting the show page's lifecycle panel into a ViewComponent. The guideline behind it is right, but the refactor is wider than this round of fixes and belongs on its own. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): finish teaching the status consumers about reserves Second round of review feedback on #3167: two consumers still had no branch for the reserve statuses. `ProgressRingComponent#percent_text_class` styled only `:reached` as success, so a funded reserve — a floor the user is holding exactly as intended — fell back to the neutral colour and read as unfinished. `status_callout_context` had no `:depleted` branch, so a drained reserve showed no callout at all: the one status that most deserves a line of explanation was the only one saying nothing. It now names the shortfall. `:funded` deliberately keeps no callout — a reserve at its level has nothing to report, and the celebration panel already says so. A test pins that, so the silence reads as a decision rather than another missing branch. bin/rails test: 6964 runs, 28008 assertions, 0 failures. RuboCop and Brakeman clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): lock the kind on the state the goal is actually in Addresses review feedback on #3167, on the guard that landed in c1c7f4f7. `kind_locked_while_released` read the in-memory `state`, so a single write setting `state: "active"` alongside the new kind saw the goal as already reopened and waved it through. The end state looks legitimate — active and maintained — which is why the hole is easy to miss. It is not: the direct write skipped the `reopen` transition, and with it `thaw_completed_amount!`. `completed_amount` survived, so `current_balance` returned that frozen snapshot forever on a live reserve. Reopening has to be its own gesture, because it is the gesture that thaws. Now reads `state_in_database`, with a regression test on the combined write asserting both that it is refused and that the frozen amount is untouched. Confirmed load-bearing by reading the attribute again and watching it fail. bin/rails test: 6969 runs, 28019 assertions, 0 failures. RuboCop and Brakeman clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): send an empty reserve to the shortfall panel, not the empty state Addresses the last review thread on #3167. The `maintained?` branch sat after the zero-balance/zero-pace one, so a brand-new reserve matched the generic "make your first transfer" card. I had put it there on purpose, thinking a reserve with nothing in it wanted the first-transfer nudge. The review is right that it does not: it is still a reserve short of its floor, and the shortfall panel says so with the saved, target and missing amounts, where the generic card says none of them. Ordering it after also meant evaluating `pace` on a goal that has no pace to evaluate. bin/rails test: 6965 runs, 0 failures. RuboCop and erb_lint clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): stop a paused goal outranking a reserve that is whole Review on #3175. `:funded` and paused both ranked 3 in `active_display_sort`, so the tie broke on name and a paused goal called "Alpha" sat above a reserve called "Zeta" that was fully funded — the list saying the paused one wanted attention more. Paused now ranks behind every status, which is what the comment above the table already claimed. The seven panels on the goal page were hand-rolled repetitions of `DS::Card`'s exact shell, two of them adjacent and identical. They render through the primitive now, so their surface styling cannot drift apart. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * refactor(goals): move the lifecycle panel decision out of the template Review on #3167 and #3180. Which panel a goal gets is a lifecycle question with five answers, and the template worked it out inline from `completed?`, `maintained?`, `one_off?`, `status` and `may_complete?` — five predicates deep in ERB where the ordering between them was load-bearing and nothing said so. `Goals::LifecyclePanelComponent` answers it in Ruby and the template renders the answer. The markup moves across unchanged, keys made absolute because a relative `t(".x")` in a component resolves against the component's own path rather than the page these strings belong to. The order is now stated once, where it can be read and tested: `:reserve_shortfall` before `:empty`, because a brand-new reserve sits at zero balance and zero pace and the generic "make your first transfer" card would otherwise swallow it. Closing from the panel now confirms, as the header menu already did. Completing releases the goal's earmarked money, and the panel offered that in one click. Both go through `goal_complete_confirm` rather than building the wording twice — two copies drifting apart is how one ends up describing the wrong consequence. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): refresh the pace suggestion when the deadline is cleared Assigning `input.value = ""` fires no event, so `goal-form#suggestedChanged` never ran: selecting "Reserve to maintain" cleared the date but left the monthly pace suggestion on screen, derived from a deadline the goal no longer has. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): let a depleted reserve look as urgent as it is Review on #3179 and #3180. `Goal#needs_attention?` names the pair of statuses that mean "this one wants looking at" — a goal off its pace and a reserve below its floor. Three places were spelling that out and the Plan hub's progress bar had fallen behind, so a depleted reserve got a neutral bar an inch from its own amber status pill: the same goal reported as needing attention and not. `projection_summary` told a funded reserve it had "hit the target, no projection needed". A reserve holds a level; there is no finish line to project toward and no target to have hit. It does not reach that panel today — the shortfall and celebration panels catch it first — but the method reads as the single source of truth for that subtitle and should not hand a caller a one-off's wording. The legend swatches are bordered spans now rather than inline SVG, and the label takes `text-xs` instead of an arbitrary 11px. The projection swatch keeps the chart's own colour variables in an inline style rather than `border-success` / `border-warning`: the chart hard-codes green-600 and yellow-600, and a legend whose colour does not match the line it describes is worse than the markup it would save. The Plan-card test counts warning bars rather than matching one. A fixture goal is already off its pace, so the markup is on the page either way and a presence check passed without the fix. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye --------- Co-authored-by: Claude Opus 5 <noreply@anthropic.com>

…#3175) * feat(goals): reserves you maintain, not goals you finish An emergency fund is not a goal you reach and close — it is a level you hold, and every withdrawal is a shortfall to make good. Sure treated it like anything else: at 100% it offered to close it, which would release the very money being set aside; a withdrawal dropped the bar with no sign that anything was owed. `kind` (added by the lifecycle lot without behavior) now means something. A maintained goal is `funded` or `depleted`, never `reached` — sitting at its floor is a steady state, not an achievement to file away. `complete` is refused by an AASM guard rather than merely hidden, so no path can release a reserve's earmark. Two ordering traps, both of which would have made a drained reserve invisible: `ACTIVE_DISPLAY_STATUS_RANK` falls back to 4 for any status it does not know, so an unranked `:depleted` would sort a drained emergency fund below everything else — the exact opposite of what it means. It ranks alongside `:behind` now, and `:funded` sorts near the end with the goals that need nothing. `behind_pace?` excludes reserves. `monthly_target_amount` and `pace` both derive from `target_date`, which a reserve does not have, so "save X/month to catch up" would be advice about a deadline that does not exist. The form leads with the choice, since it changes what the rest of it means, and hides the target date for a reserve rather than disabling it — a hidden field cannot submit a stale value that would then drive a pace. The card states the shortfall, which is exactly `remaining_amount`. The panel that offers a one-off its closing action tells a reserve it is intact and offers nothing, because there is nothing to do. Scope: fixed targets only. Targets expressed in months of expenses, the monthly refresh job, and the depletion insight are the next two PRs. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01DJ1npaGEHr6t2HW1rYZdt4 * fix(goals): let a reserve behave like one everywhere it is shown Addresses review feedback on #3167. The kind selector never hid the target date. `data-controller="goal-kind"` sat on the selector div while its `dateField` target is a sibling, so `dateFieldTargets` came back empty and picking "Reserve to maintain" left the deadline on screen and submittable. The controller moves to the form wrapper, which encloses both. Hiding a field is not enforcement, so the model now clears `target_date` for a maintained goal. Normalising rather than rejecting: the field is hidden, and an error about something the user cannot see is not actionable. A date could only arrive through a conversion or a crafted request, and either way a stored deadline would drive a pace the reserve does not have. A completed goal could be switched to `maintained` from the edit form. It then sat in a released state — one that has handed its earmark back — while the show page promised its money stays reserved, and `complete` for reserves is refused precisely to prevent that state. `kind` is now locked while released: reopen first. Reserves counted against the "goals on track" tile. Their statuses are `funded`/`depleted`, which match none of the exclusions in `tracked_total`, so they could never reach the numerator and a family with one reserve read "0 of 1 on track" for a goal working exactly as intended. Two more places still spoke of pace to something that has none. `pace_line` is suppressed for reserves on the card, and a depleted reserve gets its own panel before the projection card — the projection's summary, catch-up line and colour are all built from a deadline. What a drained reserve needs is the number the projection cannot show: how much is missing from the floor. The French celebration copy read "Votre réserve est à son niveau", which never says which level. Each guard was confirmed load-bearing by removing it and watching its test fail. bin/rails test: 6962 runs, 28003 assertions, 0 failures. RuboCop, erb_lint and Brakeman clean. Left open deliberately: extracting the show page's lifecycle panel into a ViewComponent. The guideline behind it is right, but the refactor is wider than this round of fixes and belongs on its own. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): finish teaching the status consumers about reserves Second round of review feedback on #3167: two consumers still had no branch for the reserve statuses. `ProgressRingComponent#percent_text_class` styled only `:reached` as success, so a funded reserve — a floor the user is holding exactly as intended — fell back to the neutral colour and read as unfinished. `status_callout_context` had no `:depleted` branch, so a drained reserve showed no callout at all: the one status that most deserves a line of explanation was the only one saying nothing. It now names the shortfall. `:funded` deliberately keeps no callout — a reserve at its level has nothing to report, and the celebration panel already says so. A test pins that, so the silence reads as a decision rather than another missing branch. bin/rails test: 6964 runs, 28008 assertions, 0 failures. RuboCop and Brakeman clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): lock the kind on the state the goal is actually in Addresses review feedback on #3167, on the guard that landed in c1c7f4f7. `kind_locked_while_released` read the in-memory `state`, so a single write setting `state: "active"` alongside the new kind saw the goal as already reopened and waved it through. The end state looks legitimate — active and maintained — which is why the hole is easy to miss. It is not: the direct write skipped the `reopen` transition, and with it `thaw_completed_amount!`. `completed_amount` survived, so `current_balance` returned that frozen snapshot forever on a live reserve. Reopening has to be its own gesture, because it is the gesture that thaws. Now reads `state_in_database`, with a regression test on the combined write asserting both that it is refused and that the frozen amount is untouched. Confirmed load-bearing by reading the attribute again and watching it fail. bin/rails test: 6969 runs, 28019 assertions, 0 failures. RuboCop and Brakeman clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): send an empty reserve to the shortfall panel, not the empty state Addresses the last review thread on #3167. The `maintained?` branch sat after the zero-balance/zero-pace one, so a brand-new reserve matched the generic "make your first transfer" card. I had put it there on purpose, thinking a reserve with nothing in it wanted the first-transfer nudge. The review is right that it does not: it is still a reserve short of its floor, and the shortfall panel says so with the saved, target and missing amounts, where the generic card says none of them. Ordering it after also meant evaluating `pace` on a goal that has no pace to evaluate. bin/rails test: 6965 runs, 0 failures. RuboCop and erb_lint clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): stop a paused goal outranking a reserve that is whole Review on #3175. `:funded` and paused both ranked 3 in `active_display_sort`, so the tie broke on name and a paused goal called "Alpha" sat above a reserve called "Zeta" that was fully funded — the list saying the paused one wanted attention more. Paused now ranks behind every status, which is what the comment above the table already claimed. The seven panels on the goal page were hand-rolled repetitions of `DS::Card`'s exact shell, two of them adjacent and identical. They render through the primitive now, so their surface styling cannot drift apart. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * refactor(goals): move the lifecycle panel decision out of the template Review on #3167 and #3180. Which panel a goal gets is a lifecycle question with five answers, and the template worked it out inline from `completed?`, `maintained?`, `one_off?`, `status` and `may_complete?` — five predicates deep in ERB where the ordering between them was load-bearing and nothing said so. `Goals::LifecyclePanelComponent` answers it in Ruby and the template renders the answer. The markup moves across unchanged, keys made absolute because a relative `t(".x")` in a component resolves against the component's own path rather than the page these strings belong to. The order is now stated once, where it can be read and tested: `:reserve_shortfall` before `:empty`, because a brand-new reserve sits at zero balance and zero pace and the generic "make your first transfer" card would otherwise swallow it. Closing from the panel now confirms, as the header menu already did. Completing releases the goal's earmarked money, and the panel offered that in one click. Both go through `goal_complete_confirm` rather than building the wording twice — two copies drifting apart is how one ends up describing the wrong consequence. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): refresh the pace suggestion when the deadline is cleared Assigning `input.value = ""` fires no event, so `goal-form#suggestedChanged` never ran: selecting "Reserve to maintain" cleared the date but left the monthly pace suggestion on screen, derived from a deadline the goal no longer has. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(goals): let a depleted reserve look as urgent as it is Review on #3179 and #3180. `Goal#needs_attention?` names the pair of statuses that mean "this one wants looking at" — a goal off its pace and a reserve below its floor. Three places were spelling that out and the Plan hub's progress bar had fallen behind, so a depleted reserve got a neutral bar an inch from its own amber status pill: the same goal reported as needing attention and not. `projection_summary` told a funded reserve it had "hit the target, no projection needed". A reserve holds a level; there is no finish line to project toward and no target to have hit. It does not reach that panel today — the shortfall and celebration panels catch it first — but the method reads as the single source of truth for that subtitle and should not hand a caller a one-off's wording. The legend swatches are bordered spans now rather than inline SVG, and the label takes `text-xs` instead of an arbitrary 11px. The projection swatch keeps the chart's own colour variables in an inline style rather than `border-success` / `border-warning`: the chart hard-codes green-600 and yellow-600, and a legend whose colour does not match the line it describes is worse than the markup it would save. The Plan-card test counts warning bars rather than matching one. A fixture goal is already off its pace, so the markup is on the page either way and a presence check passed without the fix. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * feat(goals): tell the user when a reserve has dropped below its level A maintained reserve exists to hold a floor. Nothing said when it stopped holding it: the goal page shows the shortfall, but only to someone who thought to look, and a reserve is precisely the thing you stop looking at once it is full. That silence is the gap this closes. High priority, unlike most of this feed. `IdleCashGenerator` is a nudge about money doing nothing; this is the opposite — a floor the user deliberately set is no longer there. It is also the one signal a reserve can produce that a one-off goal cannot, which is what makes it worth a generator of its own. Three deliberate limits: - **Active reserves only.** A paused one is shelved on purpose, and `behind_pace?` already excludes paused goals for the same reason. Nagging about a goal someone put down is noise. - **The dedup key rotates monthly.** A reserve can sit short for weeks while it is rebuilt, and re-raising the same shortfall every night trains people to dismiss the feed. - **Two at a time, worst shortfall first.** A family running four drained reserves has one problem, not four. Loaded through `Goal.prepared_for` so the family-wide pooled allocations are read once: asking each reserve for its status reaches `current_balance`, and without that injection every one of them would re-read the whole pool. bin/rails test: 7079 runs, 28491 assertions, 0 failures. RuboCop and Brakeman clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(insights): stop an insight naming something that has been renamed Review on #3175: renaming a depleted reserve leaves the stored title naming the old one for the rest of the month, because the name is not part of the metadata that drives a refresh. Rather than making the name material, the same-signal branch now refreshes the title alongside the facts. The title is built from I18n and the generator's own data — the model writes the body, not this — so keeping it current costs nothing, and a rename is not a reason to resurface an insight the user has already read. The body still says the old name until the numbers move. Forcing an LLM rewrite on every rename is the wrong trade, and making the name material would do that *and* re-nag the user. This is generic to every generator whose title embeds a name, not only the reserve one. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye * fix(insights): refresh the title on reactivation too A gap in the previous commit: the expired-and-returned branch resurfaces an insight without touching its title, so a subject renamed while the insight was expired came back naming the old one. Same reasoning as the same-signal branch — the title is I18n plus the generator's own data, not the model's prose, so keeping it current costs nothing. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye --------- Co-authored-by: Claude Opus 5 <noreply@anthropic.com>

The budget has never consulted an account balance. `budgeted_spending` and `expected_income` are numbers the user typed, and every figure on the page derives from them — a forecast, checked against reality after the fact. It answers "what did I plan to spend" and cannot answer "what do I actually have". Three methods answer the second question: `available_cash`, `earmarked_for_goals`, and `free_cash`. They appear in their own panel, below the plan and outside it. That separation is the whole design, not a layout choice. Folding cash into the allocation arithmetic turns the budget into a different product — YNAB's, where you distribute money you hold rather than money you expect — and a page showing "expected income 3,000" beside "really free 1,600" leaves the reader unsure which number drives the split. `allocated_spending` and `available_to_allocate` keep their exact meaning; a test asserts none of them moves. **The subtraction has to be over the same accounts as the sum.** `Goal::FUNDABLE_ACCOUNT_TYPES` includes Investment, so a goal can be backed by a brokerage account that `available_cash` never counted. Subtracting that earmark would show a "really free" figure too low, or negative, with nothing on the page to explain it. `earmarked_for_goals` is therefore restricted to `cash_accounts`, and `Goal#backing_within` exists to ask that question. It reads through the shared pool rather than summing `allocated_amount`, because a whole-account link reserves no fixed slice: summed naively it counts as zero while actually claiming the remainder. Scoped like `#transactions` — a personal budget sees its owner's accounts, the household one what the viewer can see. A figure labelled "available" has to mean available to the person reading it. Behind the preview flag, because goals are: a panel that subtracts what they claim, and links to them, would otherwise point at a page the reader cannot open and explain a subtraction they cannot inspect. bin/rails test: 7083 runs, 28500 assertions, 0 failures. RuboCop, erb_lint and Brakeman clean. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye

Review on we-promise#3179. Three defects, all of them mine, all in the same seam. `ExchangeRate.find_rate` does not exist. Every multi-currency family opening the budget page hit a NoMethodError before the panel rendered. `find_or_fetch_rate` is the lookup the rest of the app uses. `earmarked_for_goals` summed each goal's backing in the goal's own currency and subtracted it from an `available_cash` that had been converted. A fully earmarked EUR 1,000 account in a USD budget read as 1,200 available, 1,000 earmarked and 200 free — when none of it is free. The French keys landed under `budget_categories` instead of `budgets`, so the partial's `t(".heading")` found nothing and French readers got the English fallback. A missing rate leaves the amount as it stands rather than raising: a panel wrong by the spread beats the whole budget page failing to render. Co-Authored-By: Claude Opus 5 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_016GTNba5qE5NwzaHzbp27ye

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feat(goals): show what each account still has room to earmark #3166

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DS Drift Patrol — 0 findings (week of 2026-08-11) #3002

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Budget shows two different "what's left" figures with no stated relationship #3218

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feat(budgets): show what is actually free, beside the plan - #3179

feat(budgets): show what is actually free, beside the plan#3179
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