whisper-money/tests/Feature
Víctor Falcón bb65bdc16e
feat(accounts): add loan amortization projections for loan accounts (#246)
## Summary

- Adds loan detail tracking (interest rate, term, start date, original
amount) to loan-type accounts, following the existing
`real_estate_details` pattern
- Implements `LoanAmortizationService` with standard amortization math
to automatically project month-to-month balance evolution
- Shows projected future balances as a dashed line on the account
balance chart, visually distinct from historical data
- Adds a scheduled command (`loans:generate-balances`) to auto-generate
monthly balance entries for loan accounts
- Includes 36 tests (10 unit for pure math, 26 feature for CRUD, API
projections, command, and authorization)

## Changes

### Backend
- **Migration**: `loan_details` table (UUID PK, unique `account_id` FK,
interest rate, term, start date, original amount)
- **LoanDetail model** + factory with `Account::loanDetail()` HasOne
relationship
- **LoanAmortizationService**: `calculateMonthlyPayment`,
`calculateRemainingBalance`, `generateProjection`, `projectFromBalance`,
`calculateRemainingMonths`, `getBalanceAtDate`
- **GenerateMonthlyLoanBalances** command: runs monthly on 1st, skips
existing entries
- **LoanDetailController**: PATCH endpoint for editing loan details from
show page
- **Settings\AccountController**: creates/updates `LoanDetail` on
store/update
- **DashboardAnalyticsController**: appends projected data points with
`projected: true` flag
- **Validation**: loan-specific rules in StoreAccountRequest and
UpdateAccountRequest

### Frontend
- **AccountForm**: loan fields (rate, term, start date, original amount)
shown when `type === 'loan'`
- **Create/Edit dialogs**: pass loan data fields in POST/PATCH payloads
- **Show page**: `LoanDetailsCard` component with edit/read modes,
computed monthly payment and remaining months
- **Balance chart**: new `ComposedChart` branch with dashed `Line`
overlay for projected data points
- **Types**: `LoanDetail` interface in `account.ts`
2026-03-26 15:06:09 +01:00
..
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 chore: upgrade Laravel 12 to 13 (#242) 2026-03-25 12:56:33 +00:00
Settings chore: upgrade Laravel 12 to 13 (#242) 2026-03-25 12:56:33 +00:00
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 feat(accounts): show mortgage data and equity on real estate account page (#243) 2026-03-24 15:56:23 +00:00
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 feat(Budgets): add period navigation and unify period selector UI (#171) 2026-03-01 12:25:01 +00:00
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 feat(cashflow): show tracked transfers in Sankey diagram (#237) 2026-03-19 11:49:54 +01:00
CurrencyConversionServiceTest.php feat: Add Binance integration (#131) 2026-02-18 15:23:46 +01:00
DashboardAnalyticsTest.php fix(dashboard): treat loans as debt in net worth (#238) 2026-03-20 09:55:53 +00:00
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 SEO landing page 2025-11-25 11:33:11 +01:00
LabelTest.php feat: add transaction labels feature (#24) 2025-12-13 13:02:19 +01:00
LoanTest.php feat(accounts): add loan amortization projections for loan accounts (#246) 2026-03-26 15:06:09 +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 perf: make banking syncs incremental on subsequent runs (#141) 2026-02-23 15:10:40 +01:00
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