Víctor Falcón 7e958284e3 fix(loans): project monthly balances from actual entries instead of original params (#259) ... ## Summary - **Bug**: The `loans:generate-balances` command called `getBalanceAtDate()` which always recalculated the remaining balance from the **original loan parameters** (`original_amount`, `annual_interest_rate`, `loan_term_months`, `start_date`), completely ignoring existing actual balance entries. When the real balance was lower than the theoretical amortization schedule (e.g. user made extra payments), the auto-generated balance would **jump up** instead of continuing to decrease. - **Example**: Account `019d0b33-d3c5-7110-9033-51155ac93219` had a real balance of ~4,489,670 (March 2026), but the command generated 5,700,356 (April 2026) — a jump **up** of ~1.2M cents instead of the expected ~16K decrease. - **Fix**: `getBalanceAtDate()` now checks for the latest `AccountBalance` entry on or before the target date and projects forward from it, falling back to the theoretical formula only when no entries exist. This matches the method's own documented behavior and aligns with how `generateProjection()` already works. ## Testing Added 4 new tests: - Projects from existing balance entries instead of original loan params - Returns existing balance when target date is in the same month - Generates correct monthly balance when existing entries differ from theoretical - All 44 existing loan tests continue to pass		2026-04-04 15:57:29 +01:00
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Api	Remove encryption from bank account names (#104)	2026-02-09 14:15:26 +01:00
Auth	fix: Disable email verification on dev/local	2026-02-07 17:52:53 +01:00
Console	feat(cashflow): track transfer categories in trends (#236)	2026-03-18 14:02:47 +00:00
Jobs/Drip	Add subscription cancellation email with manual trigger command (#47)	2025-12-30 20:32:44 +01:00
Listeners	feat(emails): co-founder language, welcome rewrite, and Spanish translations (#208)	2026-03-05 15:22:07 +01:00
Onboarding	feat: (Onboarding) add categorization intro screen with benefit cards (#201)	2026-03-05 11:47:12 +01:00
OpenBanking	feat(settings): centralize currency options and split profile/account support (#256)	2026-04-02 19:23:10 +02:00
Settings	feat(settings): centralize currency options and split profile/account support (#256)	2026-04-02 19:23:10 +02:00
Sync	refactor: Simplify transaction endpoints architecture (#76)	2026-01-25 16:15:17 +01:00
AccountBalanceControllerTest.php	feat: investment benefits — show gains/losses on investment accounts (#140)	2026-02-23 13:59:10 +01:00
AccountControllerTest.php	fix(loans): project monthly balances from actual entries instead of original params (#259)	2026-04-04 15:57:29 +01:00
ApplyRealEstateRevaluationTest.php	feat(accounts): add market value and annual revaluation to real estate accounts (#245)	2026-03-26 11:02:20 +01:00
AutomationRuleEvaluationTest.php	feat: Apply automation rules to bank-synced transactions (#112)	2026-02-12 14:20:55 +01:00
AutomationRuleTest.php	chore: Simplify IndexedDB sync by moving to Inertia shared props (#63)	2026-01-19 19:15:26 +01:00
BackfillAccountIbansCommandTest.php	chore: upgrade Laravel 12 to 13 (#242)	2026-03-25 12:56:33 +00:00
BalanceLookupTest.php	feat: investment benefits — show gains/losses on investment accounts (#140)	2026-02-23 13:59:10 +01:00
BudgetHistoricalAssignmentTest.php	Remove budgets feature flag (#108)	2026-02-12 09:58:01 +01:00
BudgetPeriodDateTest.php	Remove budgets feature flag (#108)	2026-02-12 09:58:01 +01:00
BudgetTest.php	Fix net worth chart config UX and color scheme issues (#250)	2026-03-31 11:19:35 +01:00
BudgetTransactionServiceTest.php	fix(budgets): handle refunds correctly in budget spending calculations (#152)	2026-02-24 21:12:36 +01:00
BulkUpdateTransactionsTest.php	refactor: Simplify transaction endpoints architecture (#76)	2026-01-25 16:15:17 +01:00
CashflowAnalyticsTest.php	fix(cashflow): net transfer categories in sankey (#257)	2026-04-01 14:48:38 +01:00
CurrencyConversionServiceTest.php	feat(settings): centralize currency options and split profile/account support (#256)	2026-04-02 19:23:10 +02:00
DashboardAnalyticsTest.php	feat(settings): centralize currency options and split profile/account support (#256)	2026-04-02 19:23:10 +02:00
DashboardTest.php	User Onboarding Flow (#23)	2025-12-12 13:06:08 +01:00
DecryptTransactionsTest.php	feat: Decrypt encrypted transactions on key unlock (#123)	2026-02-16 10:37:43 +01:00
DeleteUserCommandTest.php	test: Optimize tests performance	2026-01-17 19:20:23 +01:00
DemoAccountRestrictionsTest.php	test: Optimize DemoAccountRestrictionsTest to run under 10s	2026-01-28 21:27:27 +01:00
EncryptionTest.php	User Onboarding Flow (#23)	2025-12-12 13:06:08 +01:00
ExampleTest.php	Install Pest	2025-11-07 12:01:58 +00:00
ExchangeRateServiceTest.php	feat: Add multi-currency conversion for net worth charts (#138)	2026-02-20 10:45:23 +01:00
IdorVulnerabilityTest.php	refactor: Simplify transaction endpoints architecture (#76)	2026-01-25 16:15:17 +01:00
ImportDataTest.php	fix: Apply automation rule labels on transaction creation and import (#79)	2026-01-27 11:11:29 +01:00
InertiaSharedDataTest.php	feat(settings): centralize currency options and split profile/account support (#256)	2026-04-02 19:23:10 +02:00
LabelTest.php	feat: add transaction labels feature (#24)	2025-12-13 13:02:19 +01:00
LoanTest.php	fix(loans): project monthly balances from actual entries instead of original params (#259)	2026-04-04 15:57:29 +01:00
LocalizationTest.php	feat(i18n): add localization test and fix missing Spanish translations (#174)	2026-03-01 12:32:39 +00:00
PlaintextTransactionsTest.php	Remove plaintext-transactions feature flag & E2E references (#116)	2026-02-13 11:10:21 +01:00
PwaTest.php	feat: Improve PWA standalone experience and redirect to dashboard (#90)	2026-02-01 11:33:10 +01:00
ReEvaluateTransactionRulesTest.php	chore: upgrade Laravel 12 to 13 (#242)	2026-03-25 12:56:33 +00:00
RealEstateFeatureFlagTest.php	chore: upgrade Laravel 12 to 13 (#242)	2026-03-25 12:56:33 +00:00
RealEstateTest.php	feat(accounts): add loan amortization projections for loan accounts (#246)	2026-03-26 15:06:09 +01:00
ResendSyncCommandTest.php	feat: Sync new users to Resend contacts (#85)	2026-01-28 21:25:58 +01:00
SitemapTest.php	User Onboarding Flow (#23)	2025-12-12 13:06:08 +01:00
SubscriptionTest.php	fix(billing): create Stripe customer before redirecting to billing portal (#206)	2026-03-05 11:58:04 +00:00
SyncBankingConnectionsCommandTest.php	chore: Remove account-mapping feature flag (#252)	2026-04-01 12:09:22 +02:00
SyncStripePricesCommandTest.php	feat(pricing): dynamic Stripe pricing with locale-aware formatting (#204)	2026-03-05 11:41:59 +00:00
TransactionFilterTest.php	Move transaction filtering from client-side to server-side (#126)	2026-02-16 12:49:04 +01:00
TransactionTest.php	chore: upgrade Laravel 12 to 13 (#242)	2026-03-25 12:56:33 +00:00
UserLeadTest.php	feat(waitlist): waiting list with referral system (#199)	2026-03-04 12:36:47 +01:00
WelcomeBanksOrderingTest.php	feat(landing): open-banking feature section with conditional grid layout (#209)	2026-03-07 13:41:25 +00:00