## Why
iOS PWAs hand the bank redirect back to the system browser (Safari),
where the app session does not exist. The old `/open-banking/callback`
sat behind `auth` + `verified` middleware, so Safari hit it with no
session → bounced to `/login`, the callback body never ran, and the
connection stayed `pending` forever (4 stale rows observed in prod).
## What
Make the bank connection flow session-independent end to end.
### 1. State-token callback (session-independent)
- `store()` generates `Str::random(40)`, persists it on the connection,
and passes it to `startAuthorization` as `state`.
- `/open-banking/callback` is now **public**. It resolves the connection
from `state_token` (`resolveConnectionFromState`) and derives the owner
from the connection, not the session.
- Connection is finalized server-side (`session_id`, status,
`state_token = NULL`) before any redirect.
- New migration adds the nullable, unique `state_token` column; the
column is hidden on the model.
### 2. Completion page instead of login bounce
When the callback runs without a session (the Safari case), the
connection is already finalized server-side. Instead of bouncing the
user to `/login`, render a standalone "go back to the app" page — their
session lives in the PWA, not here.
- New page `resources/js/pages/open-banking/connection-complete.tsx`
(success / error states, dark mode).
- `finishRedirect()` renders the page when `!Auth::check()`; logged-in
users still get the normal redirect.
### 3. Onboarding: land on the connections step + poll cross-browser
- A logged-in user finishing the flow lands straight on the onboarding
connections step (`?step=create-account`), now resolved server-side via
a validated `initialStep` prop so the step is deterministic.
- While on that step the page polls every 4s (`usePoll`, `only:
['accounts']`), so a connection finalized in another browser (PWA →
Safari) shows up without a manual refresh.
## Flow
```
POST /authorize → stateToken = Str::random(40)
→ startAuthorization(state = stateToken)
→ create BankingConnection(pending, state_token)
EnableBanking → callback?code&state=stateToken (PUBLIC, no session needed)
→ find connection WHERE state_token = state
→ createSession(code) → finalize (session_id, status, state_token = NULL)
→ session present? redirect to connections step / mapping
: render "go back to the app" completion page
PWA (logged in) → onboarding?step=create-account → polls accounts every 4s
```
## Tests
36 passing. Covers:
- state-token persistence and session-less finalization
- owner resolved from the connection regardless of who is authenticated
- completion page rendered (success + error) when no session; login
fallback when no connection resolves
- logged-in user redirected directly to the onboarding connections step
- `?step=create-account` lands on that step; unknown step falls back to
default
## What
Adds **saved filters** on the transactions page so users can name a set
of filters and reuse them later. The whole feature is gated behind a new
\`transaction-analysis\` Pennant feature flag (off by default).
## Why
Reusing the same filter combinations (e.g. "Japan trip", "Utilities") is
currently manual every time. This ports the saved-filters work from the
\`analysis-page\` branch, scoped down to **only** the transactions page
— the analysis screen and unrelated query changes from that branch are
intentionally left out.
## Changes
**Feature flag**
- \`App\Features\TransactionAnalysis\` — class-based flag, resolves
\`false\` by default.
- Shared to the frontend as \`features.transactionAnalysis\` and added
to the \`Features\` type.
**Backend (saved filters)**
- \`SavedFilter\` model (UUID, \`filters\` json cast, user belongsTo) +
migration + factory.
- \`Api\SavedFilterController\` — user-scoped index/store/update/destroy
under \`/api/saved-filters\`, ownership enforced with \`abort_unless\`.
- \`StoreSavedFilterRequest\` / \`UpdateSavedFilterRequest\` — name
unique per user, snake_case filter rules.
**Frontend**
- \`transaction-filter-serialization.ts\` —
serialize/deserialize/fingerprint between UI filter state and the
persisted snake_case shape.
- \`SavedFilters\` dropdown — load/save/update/delete with active +
dirty indicators.
- Integrated into the filter bar via an opt-in \`enableSavedFilters\`
prop, so it renders **only** on the transactions page (budgets/accounts
reuse the same component and stay unchanged). Render is also gated by
the feature flag.
**Filter bar UX**
- Split search + filters + saved searches onto their own row, separate
from the actions row (Categorize / Add transactions / columns), which
were getting cramped.
- On mobile, the text search moves into the filters popover.
## Reviewer notes
- Backend endpoints are **not** flag-gated; only the UI is, per the
request.
- Two-layer scoping: page opt-in prop **and** feature flag — flag off
means no UI anywhere.
- Translation keys fall back to the key (English); \`es.json\` entries
not added, matching the source branch.
## Testing
- \`tests/Feature/SavedFilterTest.php\` — 9 passing (auth, per-user
listing/uniqueness, ownership on update/delete).
- Pint, Prettier, ESLint clean. No new TypeScript errors introduced.
## What
Standardizes how models are serialized across web, API, and Sync
responses by relying on Eloquent `$hidden` + accessors on the models
themselves, instead of ad-hoc `select` scopes and per-controller field
picking.
Touches 9 models (`Account`, `Bank`, `Budget`, `Category`, `Label`,
`LoanDetail`, `RealEstateDetail`, `Transaction`, plus pivot hiding) and
the controllers/middleware that consumed the old ad-hoc shapes.
## Why
- Single source of truth for response shape lives on the model, aligned
with Wayfinder model typegen.
- Removes duplicated field-selection logic scattered across controllers.
- Continues the duplication-removal PR series (#475–#483).
## How
- Hide internal columns and pivots via `$hidden`; expose computed fields
via accessors.
- Controllers return full models / load full relations rather than
hand-picked columns.
- `HandleInertiaRequests` slimmed down to match.
## Notes for reviewers
- Per-commit breakdown: each model standardized in its own commit for
easy review.
- Tests added/updated for each model to assert the serialized shape
(hidden columns absent, relations present).
- Full suite: 1382 passed / 1 skipped / 0 failed. `pint` clean.
## What
When deleting a transaction that belongs to a **manual**
(non-bank-connected) account, the user can now opt to update the
account's **current balance** for today, so it stays accurate without
re-syncing.
- Deleting an **expense** (amount < 0) → balance **increases** by the
amount.
- Deleting **income** (amount > 0) → balance **decreases** by the
amount.
- Formula: `new_balance = current_balance − transaction.amount`. If
today has no balance row, it's seeded from the latest known balance.
- Available for **single delete** and **bulk delete** (a checkbox in the
confirmation dialog).
- Connected accounts are never touched — their balances come from bank
sync.
- On the account page, the balance display refreshes automatically after
the delete (no page reload).
## How
- New `ManualBalanceAdjuster` service; `TransactionController@destroy`
calls it when the request carries `update_balance` and the account is
manual.
- Frontend `transactionSyncService.delete/deleteMany` accept an
`updateBalance` option; both delete dialogs show the checkbox only when
a manual account is affected.
- `TransactionList` gains an `onBalanceUpdated` callback;
`Accounts/Show` uses it to bump the balance chart's refresh key.
- Added `banking_connection_id` to the accounts payload (transactions,
budgets, and the shared Inertia props feeding accounts/show) so the
frontend can identify manual accounts.
<img width="896" height="400" alt="image"
src="https://github.com/user-attachments/assets/e7f35ccb-13a1-40a1-bf04-615752bddf1a"
/>
## Problem
When the verification email link opens in a browser where the user is
not logged in (common on phones, where the link escapes the app), the
`verification.verify` route's `auth` middleware redirects to login and
the email is never verified.
## Fix
The signed verification URL already self-secures via `id` + `hash` +
signature + expiry, so the `auth` requirement was redundant. This adds a
public, signed-only verify route and points the verification email at
it.
- `Auth/VerifyEmailController` — resolves the user by `id`, validates
`hash` with `hash_equals(sha1(email))`, marks verified and fires
`Verified`. Guests → `login` with a success status; the same logged-in
user → `dashboard?verified=1`.
- New route `GET /verify-email/{id}/{hash}` with `signed` + `throttle`
(name `verification.verify.public`). Distinct URI/name so it doesn't
clash with Fortify's existing auth-protected route, which stays intact.
- `VerifyEmailNotification::verificationUrl()` overridden to sign the
public route.
Now the link verifies regardless of login state, and the user can return
to the app and sign in.
## Tests
- 6 new cases in `EmailVerificationTest` (logged-out verify, logged-in
verify, bad hash, unsigned request, already-verified no refire).
- 1 new case in `VerificationNotificationTest` asserting the email links
the public signed route.
- All pass; pint clean.
## Summary
Removes the `CategoryTree` Pennant feature flag so the parent/child
category tree UI is active for all existing and new users.
## Changes
- Delete `app/Features/CategoryTree.php` (flag resolved `false`).
- `CategoryController` — drop `Feature`/`CategoryTreeFeature` imports
and the `categoryTreeEnabled` Inertia prop.
- `parent-category-field.tsx` — remove the `usePage` flag read and `if
(!enabled) return null` gate; the parent field now always renders.
## Testing
- `vendor/bin/pint --dirty` — pass
- `bun run lint` — clean (1 pre-existing unrelated warning in
`chart.tsx`)
- `php artisan test tests/Feature/Settings/CategoryTreeTest.php` — 11
passed
- `php artisan test tests/Feature/Settings/CategoryTest.php` — 32 passed
## What
Expand/collapse child categories inline in three places:
- Dashboard → **Top spending categories**
- Cashflow → **Income sources**
- Cashflow → **Expense categories**
## How it looks
<img width="1225" height="928" alt="image"
src="https://github.com/user-attachments/assets/aadce904-bfdd-46eb-b919-8695577845d7"
/>
## Implementation
**Frontend**
- `useExpandableCategories` hook: tracks expanded set, lazy-fetches
children once, caches, resets on period change.
- `AnimatedCollapse` component for the height animation.
- Recursive rows in `BreakdownCard` and `TopCategoriesCard`.
**Backend**
- Extracted `rollUpByTree`/`displayNodeFor` out of
`CashflowAnalyticsController` into `CategoryTree::rollUp` (now shared by
cashflow + dashboard).
- Dashboard `top-categories` emits `has_children`/`is_direct` and
accepts `?parent` to drill into a category's children (children + a
direct "Parent" node), mirroring the existing cashflow breakdown drill.
- Added Spanish translations for the new toggle labels.
## Tests
- Backend: `has_children` true/false + parent-drill split (children +
direct node) for dashboard top categories.
- Component: chevron expands, lazily fetches `parent=…`, renders the
child, flips to "Hide subcategories".
- Full suite green; pint / eslint / prettier clean.
> Note: children fetch lazily on first expand (same pattern as the
Sankey inline expand).
## What
Clicking a parent category in the cashflow **Money Flow** Sankey now
expands its children inline as an extra column branching off the parent
— expenses grow to the right, income to the left — instead of swapping
the whole chart for a drilled-in view.
<img width="782" height="392" alt="image"
src="https://github.com/user-attachments/assets/6ce7d925-19d2-4744-a5da-6884a9583a4d"
/>
## Behaviour
- Toggle: click a parent to expand, click again to collapse. Multiple
parents can be open at once.
- One level deep (a child with its own children is not further
expandable).
- The parent stays as an intermediate node and its flow splits into the
children + a node for transactions booked directly on the parent
(labelled **Parent**).
- Changing the period resets expansions.
## Implementation
- `sankey-chart.tsx`: dynamic column layout (was fixed 3-column); lazily
fetches children via the existing `/api/cashflow/sankey?parent=`
endpoint and caches them; label + amount now render in a `foreignObject`
so flexbox handles spacing, vertical centering, and CSS-ellipsis
truncation (full name kept in a `title`); expand affordance is a
`ChevronsRight` icon.
- Child nodes use the same `MIN_NODE_HEIGHT` and gap as top-level nodes,
centered on the parent so links fan out cleanly.
- Removed the old drill-replace + breadcrumb flow (and the now-unused
`sankeyParent` hook option).
- Backend: the direct-transactions node is renamed from `"<name>
(direct)"` to `"Parent"` (+ `es` translation).
## Summary
Adds nested categories (parent → child, up to **3 levels**) across the
app. Children inherit their parent's type and cashflow direction, and
every category selector now renders the hierarchy as an indented tree.
Gated behind the `CategoryTree` Pennant flag (off by default).
## Backend
- **Migration**: nullable self-referencing `parent_id`; uniqueness
scoped per-parent via a `parent_unique_marker` virtual column (root
names stay unique). New composite unique created before dropping the old
one so the `user_id` FK keeps a supporting index.
- **`CategoryTree` service**: descendant/ancestor resolution, depth &
cycle checks, type cascade, subtree deletion.
- **Validation**: depth limit, cycle prevention, inherited + locked
child type.
- **Delete strategies**: reparent (default), promote to root, or cascade
(uncategorizes affected transactions).
- **Transaction filter** expands a selected parent to its descendants.
- **Cashflow Sankey & breakdown** roll up to top-level parents with
click-to-drill (children + a parent "direct" node).
- **Budgets** tracking a parent also count their children's
transactions.
- **Unified** the frontend category query behind
`Category::forDisplay()` / `FRONTEND_COLUMNS` (8 call sites) so every
selector receives the full Category shape, including `parent_id`.
## Frontend
- New `category-tree.ts` helpers (build/flatten/descendants/path,
tree-aware selection toggle + tri-state).
- **Settings page**: indented tree, sortable by name/color/type
(siblings sorted, hierarchy preserved), parent picker, delete-strategy
dialog.
- **Combobox** (transaction table cell + edit/create modal + parent
picker): indented tree, search keeps matches with their ancestors.
- **Transaction filter**: indented tree, tri-state cascading selection
(parent ↔ children), themed checkboxes, selected branches float to top
on open, ancestor-aware search.
- **Categorizer palette** and **budget multi-select**: same indented
tree + ancestor-aware search.
- **Sankey**: click a parent node to drill into its children, with
breadcrumb.
- Pennant `CategoryTree` flag gates the parent UI.
## Tests
- Pest: model/validation, delete strategies, filter expansion, cashflow
rollup/drill, budget child inclusion.
- Vitest: tree-aware selection logic.
- All green; Pint / ESLint / Prettier clean.
## Rollout
Flag is off by default — enable per user with:
\`\`\`
php artisan feature:enable "App\\Features\\CategoryTree" you@example.com
\`\`\`
## What
The "public banks + user's own banks" query was repeated in **5
controllers** (Transaction ×2, Settings/Bank, Budget, Cashflow,
Onboarding).
New `Bank::availableForUser($user)` scope; all 5 sites use it.
Bonus: the Onboarding variant had no `where()` grouping around
`whereNull/orWhere` — harmless today (no other constraints) but a latent
precedence bug. The scope always groups.
## Stats
- **-31 / +24 lines**, 5 call sites → 1 definition
## Checks
- `php artisan test
--filter="Bank|Transaction|Budget|Cashflow|Onboarding"` — 612 passed
(2707 assertions), 1 skipped
- `vendor/bin/pint --dirty` — pass
Part of duplication-removal series (#475–#479).
## Summary
Adds a **Notifications** section to the account settings page
(`/settings/account`, between Profile information and Update password)
where users can opt out of the daily "new transactions synced" email.
- New per-user preference `notify_on_bank_transactions_synced` on
`user_settings` (defaults to `true`, opt-out).
- `SendDailyBankTransactionsSyncedEmailJob` skips users who disabled it.
- Single generic `PATCH /settings/notifications` endpoint updates any
notification type via a key→column allowlist in
`NotificationPreferenceController::PREFERENCES`. Future notifications
only need a new entry there — no new route/controller.
- Email footer now links back to the settings section so users can
manage preferences.
## Testing
- `tests/Feature/Settings/NotificationPreferenceTest.php` — update,
unknown-key rejection, invalid value, auth, create-when-missing,
default-true, inertia prop.
- `tests/Feature/OpenBanking/SyncBankingConnectionJobTest.php` — email
not sent when disabled.
## Summary
Budgets previously tracked a single category **or** label (mutually
exclusive). This lets a budget span **multiple** categories and labels
at once, all pooling spend against one allocated amount per period.
Scope decided with the requester:
- **Shared pool** — one allocated amount; any tracked category/label
counts against it.
- **Multi categories + multi labels** on a single budget.
- **Create-only** — tracking is chosen at creation and locked afterward
(edit dialog shows it read-only).
## Changes
**Backend**
- New `budget_category` + `budget_label` pivot tables; data migration
copies existing `category_id`/`label_id` into them, then drops those
columns.
- `Budget` model: `categories()` / `labels()` belongsToMany.
- `BudgetTransactionService` matches transactions across **all** tracked
categories OR labels (live assignment + historical backfill).
- `StoreBudgetRequest` accepts `category_ids` / `label_ids` arrays,
requires ≥1 across both, validates ownership. `update` no longer touches
tracking.
**Frontend**
- Reusable `MultiSelect` (popover + command + badge).
- Create dialog uses multi-selects; cards and show page render tracked
categories/labels as badges; edit dialog shows them read-only.
- Dexie bumped to v10 (drops unused per-category allocations table, adds
`budget_labels`).
## Testing
- Updated all budget/transaction/listener/browser tests for the pivot
model; added cases for multi-category matching, mixed category+label
pooling, and store validation (empty selection + foreign-ownership).
- Added the new `__()` strings to `lang/es.json`.
- Local `pint`, `lint`, `format` pass. Relying on CI for the full suite.
## What
Show the debtor and creditor names (when present) on the categorization
page (`/transactions/categorize`).
## Changes
- `TransactionController@categorize`: select `creditor_name` and
`debtor_name` — they were never sent to the frontend.
- `categorizer-card.tsx`: render Creditor/Debtor rows below the account
when present, using the same i18n labels as the transaction columns.
- `TransactionTest`: assert both names are exposed on the categorize
page.
## Testing
- `php artisan test --filter="debtor and creditor"` — passes.
- pint, format, lint clean.
## Summary
- Always show a simplified Cashflow and charts explanation in the
category form
- Explain how each category type affects cashflow, income/spending
charts, top spending categories, savings, and investments
- For transfer categories, keep a cashflow chart visibility selector so
users can choose hidden/inflow/outflow
- Show savings and investment categories as outflows in the cashflow
chart and store default/new categories as outflow
- Add a new migration to update existing production savings/investment
categories to outflow
- Avoid user-facing Sankey terminology and update Spanish copy to use
dinero/saldo instead of efectivo
- Add missing Spanish translations and browser/feature coverage
## Tests
- php artisan test --compact tests/Feature/LocalizationTest.php
- php artisan test --compact
tests/Feature/Console/ResetUserCategoriesCommandTest.php
- php artisan test --compact tests/Feature/Settings/CategoryTest.php
--filter="migration updates existing default saving and investment
categories|migration sets saving and investment categories to cashflow
outflow|users can create savings and investment categories|default
categories are created when user registers"
- php artisan test --compact tests/Feature/CashflowAnalyticsTest.php
--filter="sankey includes savings and investment categories on the
expense side|sankey includes outflow transfer categories on the expense
side"
- php artisan test --compact tests/Browser/CategoriesTest.php
--filter="explains savings and investment category cashflow impact in
the create dialog|can create a new transfer category with a cashflow
analytics direction"
- php artisan test --compact tests/Browser/CategoriesTest.php
- ./vendor/bin/pest --testsuite=Performance --filter="account show page
does not exceed query threshold"
- vendor/bin/pint --dirty --format agent
- npx prettier --write
resources/js/components/categories/category-cashflow-direction-fields.tsx
- npm run build (assets emitted; Sentry sourcemap upload reports local
SSL error)
## Video
- screenshots/category-create-cashflow-setting.webm
## Notes
- npm run types still fails on existing unrelated TypeScript errors.
## Summary
- add creditor/debtor fields to transactions with raw_data backfill
- store counterparties on bank sync and CSV/XLS imports
- add creditor/debtor filters plus hidden table columns
## Tests
- php artisan test --compact tests/Feature/LocalizationTest.php
tests/Feature/OpenBanking/TransactionSyncServiceTest.php
tests/Feature/TransactionFilterTest.php
- npm test -- resources/js/lib/file-parser.test.ts --run
- vendor/bin/pint --dirty --format agent
Note: `npm run types` still has pre-existing unrelated errors; no
creditor/debtor/import-related errors remained in filtered output.
## Screenshot
<img width="1241" height="676" alt="8odYWtFcvUM"
src="https://github.com/user-attachments/assets/55653485-d588-4beb-9e6a-5c7c81ba7cf8"
/>
## Sentry issue
- PHP-LARAVEL-2F: https://whisper-money.sentry.io/issues/122581787/
## Root cause
- Automation rule match preview eagerly loaded account, bank, category,
and labels for every 500-transaction chunk, even for rules that only
inspect description fields.
- Sentry flagged repeated account/bank eager-load queries across chunks
as an N+1 pattern on
`/settings/automation-rules/{automationRule}/matches`.
## Fix
- Detect variables used by an automation rule and eager load only
relationships required for evaluation.
- Keep label eager loading only when label-only skip logic needs it.
- Avoid lazy loading unused relationships while preserving full data
shape for rule evaluation.
- Update the Sentry prompt to use the `sentry` CLI workflow.
## Verification
- `vendor/bin/pint --dirty --format agent`
- `php artisan test --compact
tests/Feature/AutomationRuleApplicationTest.php`
- `php artisan test --compact
tests/Feature/AutomationRuleEvaluationTest.php
tests/Feature/AutomationRuleApplicationTest.php`
## Summary
- sync user currency from the first account, manual or connected
- reuse one service across manual creation and open banking
mapping/auto-create flows
- keep later accounts from overwriting user currency
- add browser signup + onboarding account creation coverage
## Prod check
- users with any account: 210
- first account currency mismatches user currency: 64
- USD user + EUR first account: 36
- first account manual users: 189
- manual-first mismatches: 61
## Tests
- vendor/bin/pint --dirty --format agent
- php artisan test --compact
tests/Feature/OpenBanking/AccountMappingTest.php
tests/Feature/OpenBanking/AuthorizationControllerTest.php
tests/Feature/OpenBanking/IndexaCapitalControllerTest.php
tests/Feature/OpenBanking/BinanceControllerTest.php
tests/Feature/OpenBanking/BitpandaControllerTest.php
tests/Feature/OpenBanking/CoinbaseControllerTest.php
tests/Feature/Settings/AccountTest.php
- php artisan test --compact tests/Browser/OnboardingFlowTest.php
--filter='syncs user currency from first onboarding account after
signup'
## Summary
- add paywall settings CTA for onboarded users with ended canceled
subscriptions and bank connections
- keep onboarding and normal unpaid connected users out of this escape
path
- cover paywall props and connection settings access
## Tests
- php artisan test --compact tests/Feature/SubscriptionTest.php
- npx eslint resources/js/pages/subscription/paywall.tsx
## Summary
- keep existing banking connections visible when reconnect callback
fails
- mark failed reconnects as error instead of soft-deleting them
- add regression test for failed ING-style reconnect
## Test
- vendor/bin/pint --dirty --format agent
- php artisan test --compact
tests/Feature/OpenBanking/AuthorizationControllerTest.php
## Summary
- backfill Coinbase portfolio balances for 12 previous months plus today
- retry missing historical backfill on later syncs
- add Coinbase candle pricing with USD fallback and mark Coinbase
accounts as investments
## Tests
- php artisan test --compact
tests/Feature/OpenBanking/CoinbaseBalanceSyncTest.php
tests/Feature/OpenBanking/AccountMappingTest.php
tests/Feature/OpenBanking/CoinbaseControllerTest.php
## Summary
- mark cashflow analytics JSON responses as no-store/private
- add coverage for cache-control header
## Why
Browser tests reuse the same cashflow API URLs across authenticated
users. Cached user-specific analytics can leak stale breakdown data
between sessions and hide the income category.
## Tests
- php artisan test --compact tests/Feature/CashflowAnalyticsTest.php
## Summary
- Keep non-onboarded users on the accounts step after bank authorization
errors
- Add feature and browser coverage for the callback error path
## Tests
- vendor/bin/pint --dirty --format agent
- php artisan test --compact tests/Browser/OnboardingFlowTest.php
--filter='returns to the accounts step'
- php artisan test --compact
tests/Feature/OpenBanking/AuthorizationControllerTest.php
--filter='callback with error'
## Why merge this
Production bug
**[PHP-LARAVEL-1B](https://whisper-money.sentry.io/issues/PHP-LARAVEL-1B)**
— `/budgets/{budget}` throws a 500 (`UniqueConstraintViolationException`
on `budget_periods_budget_id_start_date_unique`) for the affected user.
Page is unusable for them until fixed.
## Root cause
The Custom period type let users create budgets with arbitrary
`period_duration`. Combined with `calculatePeriodDates()`'s day-of-month
snap (`startDate->day(period_start_day)`), short durations produced
periods where `end_date == start_date == period_start_day`. On the next
visit after that day, regeneration computed a new period whose start
snapped backward to the same day → unique key collision.
Concrete trace from the Sentry event:
- Budget: `Seguro de Salud`, `period_type=custom, period_duration=1,
period_start_day=1`, created `2026-05-05`.
- Initial period created at budget creation: `start=2026-05-01,
end=2026-05-01` (already 4 days stale because Custom snapped
`now()=05-05` back to day 1, then `addDays(1).subDay()` produced same
date).
- Today `05-05` → `getCurrentPeriod()` returns null → `generatePeriod()`
snaps back to `05-01` again → `INSERT (budget_id, 05-01)` → 1062.
Verified in prod DB: this is the **only** budget in the entire database
with `period_type='custom'` and the only period row with `end_date <=
start_date`.
## Fix
Custom is the only period type that exposes this snap-back collision
(Monthly/Weekly/Biweekly all use a self-consistent advance). It also has
no defensible UX — every legitimate use case is covered by
Monthly/Weekly/Biweekly. So we remove it end-to-end:
- `BudgetPeriodType::Custom` enum case dropped.
- `BudgetPeriodService`: Custom branches removed from
`calculatePeriodDates()` and `calculateNextPeriodStartDate()`.
- `Budget` model: `period_duration` removed from `$fillable` and
`casts()`.
- `StoreBudgetRequest` / `UpdateBudgetRequest`: `period_duration` rule
removed.
- `BudgetController`: `period_duration` no longer passed in
store/update.
- Create + edit budget dialogs: Custom option and `period_duration`
input removed.
- `ResetDemoAccountCommand`: Custom switch case removed.
- `BudgetFactory`: `custom()` state and `period_duration` default
removed.
- `types/budget.ts`: `'custom'` removed from `BUDGET_PERIOD_TYPES` and
`Budget.period_duration` field dropped.
- Migration `2026_05_05_132023_convert_custom_budgets_to_monthly`:
rewrites any existing `custom` rows to `monthly` with
`period_duration=null, period_start_day=1` so the dropped enum case
can't crash on hydration.
Period generation logic for Monthly/Weekly/Biweekly is **unchanged**.
## Manual prod cleanup (separate, after merge)
The single buggy budget in prod will be deleted manually:
```sql
DELETE FROM budget_periods WHERE id = '019df7fd-6073-731b-9c08-f3723515292b';
DELETE FROM budgets WHERE id = '019df7fd-6071-7219-b190-ece22ccdb63f';
```
## Tests
`tests/Feature/BudgetPeriodServiceTest.php` covers Monthly + Weekly
advance and Monthly first-period generation. Existing
`BudgetPeriodDateTest` unaffected.
## Risk
- `period_duration` column kept in DB (nullable) to avoid data loss; no
migration needed.
- Migration ensures any environment with `period_type='custom'` rows is
converted before the enum case is removed, preventing hydration errors.
- No customers actively rely on Custom: prod query confirmed only the
single broken budget uses it, and that one is being deleted.
Fixes PHP-LARAVEL-1B
## Summary
Wires up the launch flow: each waitlist lead gets a per-cohort
invitation email, a personal single-use Stripe promo code matching their
reward, and a signed landing link that unlocks register/install.
## Cohorts (resolved at send-time, by queue rank ASC, ignoring
`position` null/0)
| Cohort | Rule | Reward | Stripe coupon |
|---|---|---|---|
| `founder` | ranks 1–10 | Free forever | `wm_founder_forever` (100%
off, forever) |
| `founder_referrer` | referred any current founder (overrides rank) |
Free forever | `wm_founder_forever` |
| `early_bird` | ranks 11–100 | 2 mo free monthly / 3 mo free yearly
first year | `wm_earlybird_monthly` (100% off, 2 mo, monthly only) +
`wm_earlybird_yearly` (25% off once, yearly only) |
| `waitlist` | ranks 101+ | same as early bird | same coupons |
## What's added
- **DB**: `cohort`, `promo_code_monthly`, `promo_code_yearly`,
`invitation_sent_at` on `user_leads`.
- **Services**: `LeadCohortResolver`, `LeadPromoCodeAllocator`.
- **Commands**:
- `php artisan stripe:ensure-launch-coupons` — idempotent Stripe coupon
setup (run once per env).
- `php artisan leads:send-invitations --limit=N [--cohort=…] [--dry-run]
[--force]` — wave-by-wave delivery, idempotent across runs
(`invitation_sent_at` gate). Lazily generates Stripe promo codes per
lead it touches.
- **Checkout**: `SubscriptionController::checkout` resolves the auth
user's `UserLead` by email and applies the matching promo code
(`monthly`/`yearly`) via Cashier's `withPromotionCode()`.
- **Invite link**:
`LandingAuthOverrideService::generateInvitationUrl($leadId, days: 30)` —
signed lead-bound URL that unlocks auth buttons (existing override
cookie) and stores `invited_lead_id` in session. The register view
prefills the email from the lead.
- **Emails**: 4 cohort markdown templates (`founder`,
`founder-referrer`, `early-bird`, `waitlist`) with per-cohort subject +
body. Locale set from `$lead->preferredLocale()`. 28 Spanish keys added.
## Tests (Pest)
- `LeadCohortResolverTest` — boundaries + founder-referrer override +
null/0 position skip.
- `SendUserLeadInvitationsTest` — batch ordering, idempotent across
runs, ignores null/0, persists cohort.
- `UserLeadInvitationTest` — per-cohort body content, signed lead-bound
signup URL, Spanish locale.
- `LandingAuthOverrideTest` — invitation URL unlocks + stores session
lead.
Full suite green (1262 passed).
## Launch checklist
1. Merge + deploy.
2. `php artisan stripe:ensure-launch-coupons` against staging Stripe →
verify in dashboard → run on prod.
3. Optional preflight: `php artisan leads:send-invitations --limit=10
--dry-run`.
4. Wave-by-wave: `php artisan leads:send-invitations --limit=50` per
day.
5. Confirm `HIDE_AUTH_BUTTONS=true` on prod so only signed invite links
unlock register/install.
## Notes / non-goals
- No `User → UserLead` foreign key — checkout matches by email per
request.
- Existing `FOUNDER` promo flow is untouched and still kicks in if a
user has no lead-specific code.
- `founder_referrer` cohort is empty in current prod data; logic is in
place for when founders start referring.
## Problem
`DashboardAnalyticsTest > real estate balance evolution appends
projected mortgage balance from linked loan` fails on certain calendar
dates (e.g. when run on 2026-04-30) with:
```
Failed asserting that 17324874 is less than 17324874.
```
## Root cause
Carbon's `addMonths()` defaults to overflow mode, so adding months to a
day that doesn't exist in the target month rolls forward into the next
month:
- `2026-04-30 + 10 months` → `2027-02-30` → overflow → `2027-03-02`
- `2026-04-30 + 11 months` → `2027-03-30`
Both end up in the same `Y-m` (`2027-03`). The dashboard
balance-evolution endpoint and
`LoanAmortizationService::projectFromBalance` use `addMonths` to build
month-keyed projections and to label projected chart points. When two
iterations collapse onto the same `Y-m`:
1. `generateProjection` overwrites the earlier balance with the later
one.
2. The controller emits two consecutive projected points labeled with
that month and assigns the same `mortgage_balance` to both, breaking the
strictly-decreasing assertion.
## Fix
Switch every `addMonths()` call in the projection paths to
`addMonthsNoOverflow()` so each iteration lands on a distinct month.
- `app/Services/LoanAmortizationService.php` — `projectFromBalance`,
`projectFromOriginal`
- `app/Http/Controllers/Api/DashboardAnalyticsController.php` — real
estate projected loop
## Verification
```
php artisan test --compact tests/Feature/DashboardAnalyticsTest.php
Tests: 34 passed (220 assertions)
```
Previously failing on 2026-04-30, now green.
Real estate account chart now appends 12 months of projected data when
the property has a revaluation percentage and/or a linked loan:
- Market value projected forward via the configured revaluation rate
(compounded monthly).
- Mortgage balance projected via LoanAmortizationService on the linked
loan, so the mortgage decline is visible alongside the property
revaluation in the same chart.
Backend: DashboardAnalyticsController appends projected points with
display-currency variants. Frontend: chart adds dashed projection lines
for value and mortgage_balance plus a Today reference line. Tooltip and
currency-mode swap propagate the new projected_mortgage_balance field.
## Summary
Mirror the real-estate historical-balance pattern for loan accounts.
When a loan is created with a current balance, linearly interpolate
monthly `account_balances` rows between the loan start date
(`original_amount`) and today (current balance).
## Approach
Since we don't know how the user actually paid down the loan, use simple
linear regression between two known points:
- `(start_date, original_amount)` from `loan_details`
- `(today, current_balance)` from the latest `account_balances` row
Rows are placed on the start date, the 1st of each intermediate month,
and today.
## Changes
- **`LoanBalanceGeneratorService`** — linear interpolation + upsert on
`(account_id, balance_date)` so existing rows aren't duplicated.
- **`GenerateHistoricalLoanBalancesJob`** — `ShouldQueue`, 3 tries, 10s
backoff. Takes account, original amount, start date, current balance,
from, to.
- **`Settings/AccountController::store`** (loan branch) — after creating
`loanDetail`, if a starting balance was provided: generate the last 12
months synchronously, dispatch older window to the queue when
`start_date` predates it.
- **`LoanDetailController::update`** — when the detail is first created
for an existing account, use the most recent `AccountBalance` as the
current value and apply the same sync/async split.
## Tests
- Service: interpolation, single-balance edge, future start_date, upsert
dedupe, monthly 1st placement, from/to range.
- Job: implements `ShouldQueue`, respects from/to range.
```
Tests: 8 passed (62 assertions)
```
No dependency or directory-structure changes.
## Summary
Adds a 15-day trial to the monthly and yearly plans. Configurable per
plan (or disabled) via config.
## Changes
- `config/subscriptions.php` — new `trial_days` key per plan (defaults:
monthly=15, yearly=15). Env overrides: `STRIPE_PRO_MONTHLY_TRIAL_DAYS`,
`STRIPE_PRO_YEARLY_TRIAL_DAYS`. Set to `0` to disable.
- `SubscriptionController::checkout` — applies `trialDays()` on the
Cashier subscription builder when `trial_days > 0`.
- Tests — assert `trial_days` surfaced in pricing props; assert
`trialDays(15)` applied on checkout; assert skipped when `0`.
## Notes
Stripe Checkout enforces a **minimum 2-day trial**. Values of `1` will
fail at Stripe. `0` disables cleanly.
## Test plan
```
php artisan test --compact tests/Feature/SubscriptionTest.php
```
## Summary
- soft-delete users by adding `deleted_at` to `users`
- rename deleted user emails with a timestamp prefix so original email
can be reused
- block email sends and banking follow-up work for deleted users while
preserving data
## Testing
- php artisan test --compact tests/Feature/DeleteUserCommandTest.php
tests/Feature/Settings/ProfileUpdateTest.php
tests/Feature/Auth/RegistrationTest.php
tests/Feature/Auth/AuthenticationTest.php
tests/Feature/Jobs/Drip/SendWelcomeEmailJobTest.php
tests/Feature/Console/SendUpdateEmailCommandTest.php
- vendor/bin/pint --dirty --format agent
## Summary
- Fixes
[PHP-LARAVEL-9](https://whisper-money.sentry.io/issues/PHP-LARAVEL-9):
`ReferenceError: window is not defined` during Inertia SSR of
`CashflowPage`.
- `CashflowController` now reads + validates the `period` query param
(`YYYY-MM`) and passes it as an Inertia prop.
- Client `useState` initializer reads from `usePage().props.period`
instead of `window.location.search`, making SSR safe and avoiding
hydration mismatch.
- `useEffect` URL sync now compares against the prop, not
`window.location.search`.
## Why (c) not a `typeof window` guard
Server-provided params avoid hydration mismatch and keep URL as single
source of truth.
## Tests
New `tests/Feature/CashflowPageTest.php`:
- guest redirect
- no query param → `period` prop `null`
- valid `?period=2025-03` → prop `'2025-03'`
- invalid value → `null`
- malformed format (`2025-3`) → `null`
All 5 pass (50 assertions).
## Scope
Cashflow only. Other pages with similar `window.location.search` in
`useState` initializers (`onboarding/index.tsx`, `welcome.tsx`,
`auth/login.tsx`) left for follow-up.
Fixes PHP-LARAVEL-9
## Summary
- remove the Pennant-based `open-banking` flag and middleware gating so
open banking is always available for authenticated users
- simplify landing, onboarding, settings, and subscription flows to use
always-on open-banking behavior and remove stale frontend/shared flag
plumbing
- update open-banking tests and purge stored `open-banking` Pennant rows
## Testing
- `php artisan test --compact
tests/Feature/OpenBanking/InstitutionControllerTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/BinanceControllerTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/IndexaCapitalControllerTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/BitpandaControllerTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/AuthorizationControllerTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/ConnectionControllerTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/AccountMappingTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/OpenBankingFeatureFlagTest.php`
- `php artisan test --compact
tests/Feature/OpenBanking/SyncRetryAndLoggingTest.php`
- `php artisan test --compact tests/Feature/SubscriptionTest.php`
- `php artisan test --compact
tests/Feature/WelcomeBanksOrderingTest.php`
- `vendor/bin/pint --dirty --format agent`
## Notes
- `php artisan pennant:purge open-banking` was run to remove stale
stored values
- `php artisan test --compact tests/Browser/OnboardingFlowTest.php`
still has one unrelated real-estate onboarding browser failure (`it
creates a real estate account during onboarding when feature is
enabled`)
## Summary
- store browser-detected IANA timezones on users during registration and
share the value to the frontend
- silently backfill missing timezones for authenticated users without
overwriting existing saved values
- add focused feature coverage for registration, shared props, and the
timezone backfill endpoint
## Testing
- php artisan test --compact tests/Feature/Auth/RegistrationTest.php
tests/Feature/InertiaSharedDataTest.php
tests/Feature/Settings/TimezoneTest.php
- npm test -- resources/js/utils/currency.test.ts
## Summary
- add month-end command to revoke old Enable Banking sessions for users
without a paid plan while keeping their linked accounts as manual
accounts
- extract banking disconnect flow into a reusable action so manual
disconnects and scheduled cleanup share same revoke and detach behavior
- add feature coverage for free-user cleanup, paid-user skips,
under-6-hour skips, non-Enable Banking skips, and revoke failure
fallback
## Testing
- vendor/bin/pint --dirty --format agent
- php artisan test --compact
tests/Feature/CancelFreeEnableBankingConnectionsCommandTest.php
tests/Feature/OpenBanking/ConnectionControllerTest.php
## Summary
- **Auto-calculates Annual Revaluation %** (CAGR) on the frontend when
purchase price, purchase date, and current market value are all provided
— pre-fills the revaluation field while still allowing manual override
- **Generates historical monthly balance records** via linear
interpolation from purchase date to today when creating a real estate
account with complete purchase data
- New `RealEstateBalanceGeneratorService` handles balance generation
with dates on the 1st of each month (matching the existing
`ApplyRealEstateRevaluationCommand` convention)
## Changes
### Backend
- **`app/Services/RealEstateBalanceGeneratorService.php`** (new) —
Linear interpolation service that builds balance dates (purchase date,
1st of each intermediate month, today) and creates `AccountBalance`
records using `updateOrCreate`
- **`app/Http/Controllers/Settings/AccountController.php`** — Calls the
service after real estate detail creation when all three inputs are
present
### Frontend
- **`resources/js/components/accounts/account-form.tsx`** — Added CAGR
auto-calculation via `useEffect` with a `useRef` flag
(`isRevaluationManuallySet`) to avoid overwriting manual user input
### Tests
- **`tests/Feature/Services/RealEstateBalanceGeneratorServiceTest.php`**
(new) — 7 unit tests covering interpolation, edge cases (same-day
purchase, flat values, single month spans)
- **`tests/Feature/RealEstateTest.php`** — 6 new feature tests covering
historical balance generation through the controller (with/without
purchase data, same-day, flat values)
All 38 tests in `RealEstateTest.php` and all 7 service tests pass.
## Summary
- gate waitlist signup behind email confirmation so only verified leads
receive a queue position and referral code
- add signed lead verification routes, a check-email page, and a
dedicated verification email for the waitlist flow
- update lead syncing and feature tests so only verified leads are
exported to Resend and referral movement happens after verification
## Testing
- php artisan test --compact tests/Feature/UserLeadTest.php
- php artisan test --compact
tests/Feature/ResendSyncLeadsCommandTest.php
- php artisan test --compact tests/Feature/MailSenderTest.php
- vendor/bin/pint --dirty --format agent
## Summary
- add an optional linked property selector when creating loan accounts
in both the main create dialog and onboarding
- validate that only the current user's unlinked real-estate accounts
can be selected and persist the reciprocal link after loan creation
- expose linked property state in shared account props and cover the new
flow with focused loan feature tests
## Testing
- php artisan test --compact tests/Feature/LoanTest.php
- vendor/bin/pint --dirty --format agent
Víctor Falcón