feat: Faz 9b - dönemsel rapor ve net varlık

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

CHANGELOG.md

@@ -6,7 +6,137 @@ Biçim [Keep a Changelog](https://keepachangelog.com/tr-TR/1.1.0/) esas alınır
 
 ## [Yayınlanmamış]
 
-Faz 6 (alt fazlar halinde; `v0.6.0` Faz 6c sonunda).
+## [0.9.0] - 2026-11-06
+
+Faz 9: birikim ve varlık takibi, fiyat tablosu (elle), kâr/zarar, net varlık (9a ve 9b alt fazları).
+
+### Eklendi — Faz 9b: dönemsel rapor ve net varlık
+
+- Dönemsel rapor (`/birikim` toplam, `/birikim/:id` varlık bazında): 3 ay / 6 ay / 12 ay / tümü (`?donem=`); dönem başı değer, yatırılan TL, dönem sonu değer, satış geliri, gelen/çıkan hediye ve dönem kâr/zararı (TL ve %, dönemde bağlanan sermayeye oranla). Formül sayfada yazılıdır.
+- Aylık değer grafiği (shadcn charts / Recharts): güncel değer (düz çizgi) ve maliyet (kesikli, basamaklı), lejant, ipucu ve tablo görünümü. Fiyatı olmayan varlık toplam rapora katılmaz ve belirtilir.
+- Net varlık (`/birikim` üstünde): hesap bakiyeleri + birikim (alış fiyatı) + cari alacaklar + aynî alacaklar (alış) − kart/KMH borçları − cari borçlar − aynî borçlar (satış). Gizli varlık ve cariler yalnızca sahibinin net varlığına girer; gizli hesap bakiyeleri hane ayarına göre.
+- Dashboard: "Toplam hesap bakiyesi", "Kart borçları" ve "Net varlık" kartları gerçek veriyle (gelir/gider kartları Faz 14).
+- Aynî kayıt ↔ varlık bağlantısı: "Ödeme gerçekleşti → Aynı varlıkla" diyaloğunda isteğe bağlı kutucuk. Borç ödemesi seçilen varlıktan ortalama maliyetle düşer; alacak tahsilatı varlığa borç tarihindeki birim fiyatla eklenir. Ödeme ve varlık hareketi tek transaction'da; varlık yetersizse hiçbir şey yazılmaz. Bağlı hareket Birikim'den tek başına silinemez; aynî kayıt silinince bağ çözülür.
+- Fiyat okuma yardımcıları ayrı modülde (`features/in-kind/prices.ts`).
+- Testler: dönem noktaları, örnek senaryo ("10 gr'ı 25.000'e aldım, her ay ekledim"), başlangıç değeri, fiyat yokluğu, toplam (birim); dönem raporu, gizli varlık ve fiyatsız varlık, net varlık formülü ve değişmezleri (makas, cari borç), aynî borç/alacak bağlantısı, yetersiz varlıkta geri alma, tür uyuşmazlığı (entegrasyon).
+
+### Değişti — Faz 9b
+
+- "Aynı varlıkla" alacak tahsilatında anlamsız olan "varlığı almak için harcanan" tutar alanı kaldırıldı (yalnızca borç ödemesinde gösterilir).
+- `recharts` bağımlılığı ve `components/ui/chart.tsx` eklendi.
+- CHANGELOG sürüm karşılaştırma bağlantıları 0.6.0–0.9.0 için tamamlandı.
+
+### Eklendi — Faz 9a: varlık lotları ve kâr/zarar
+
+- Birikim sayfası (`/birikim`): altın, döviz ve ziynet varlıkları (`assets`); toplam güncel değer, toplam maliyet, gerçekleşmemiş ve gerçekleşmiş kâr/zarar; elde kalmayan varlıklar ayrı grupta. Fiyatı olmayan varlık toplam değere katılmaz ve belirtilir.
+- Varlık hareketleri (`assetMovements`): alım, gelen hediye/miras, satış, hediye/çıkış; tarih, miktar, tutar veya birim fiyat (ikisi de boşsa fiyat tablosundan: alımda satış, satış ve hediyede alış fiyatı), hesap, saklama yeri, not. Geçmiş tarihli satış/çıkış o tarihteki miktarla sınırlıdır.
+- Hesap bağlantısı: alım hesaptan varlığa, satış varlıktan hesaba transfer olarak kaydedilir (bakiye değişir, gelir/gider raporlarına girmez). İşlem listesinde varlık adıyla görünür; bağlı işlem tek başına düzenlenemez/silinemez, hareket silinince birlikte silinir.
+- Hesap motoru (`shared/portfolio.ts`): ağırlıklı ortalama maliyet, satışta ortalama maliyetle gerçekleşmiş K/Z, çıkışta K/Z yazılmaz, gelen hediyenin maliyeti o günkü değer (yatırım sayılmaz); güncel değer alış fiyatıyla (Faz 0), gerçekleşmemiş K/Z TL ve %.
+- `/birikim/:id`: özet (eldeki miktar, ortalama maliyet, maliyet, güncel değer, K/Z, yatırılan, satış geliri), hareket geçmişi (kalan miktar, satış K/Z'si), hareket silme (sonraki çıkışı eksiye düşürecekse reddedilir).
+- "Yalnızca ben" varlık: varlık, hareketleri ve bağlı hesap işlemleri yalnızca sahibine görünür.
+- Seed: aylık alımlı ve bir satışlı gram altın birikimi, düğün ziynetleri (hediye giriş ve çıkış), Emre'nin "yalnızca ben" dolar varlığı, Annemler'de fiyatsız bilezikler.
+- `009` migration'ı: `assets`, `assetMovements` index'leri, işlemlerde `assetId`. Denetim kaydı: `asset.delete`, `asset.movement.delete`.
+- Testler: ortalama maliyet, satış/çıkış, hediye, eksi miktar, oran biçimi (birim); alım/satış transferleri ve bakiye, fiyat tablosundan tutar, gerçekleşmiş K/Z, kilitli işlem, hareket silme, gizli varlık, izleyici ve başka hane (entegrasyon).
+
+## [0.8.0] - 2026-11-05
+
+Faz 8: cari hesaplar ve aynî borç/alacak (8a ve 8b alt fazları).
+
+### Eklendi — Faz 8b: aynî borç/alacak ve fiyat tablosu
+
+- Varlık türleri: gram altın, çeyrek, yarım, tam, Cumhuriyet altını, 22 ayar bilezik, gümüş, USD, EUR, GBP (birim: gr / adet / birim; miktarlar binde bir hassasiyetle).
+- Fiyat tablosu (`/fiyatlar`, `assetPrices`): varlık × tarih × alış/satış, elle giriş; tek fiyat girilirse ikisine de yazılır; gün başına tek kayıt; son fiyatlar ve geçmiş. Faz 9 varlık takibi aynı tabloyu kullanacak.
+- Aynî borç/alacak (`inKindDebts`), cari sayfasında: cari, yön (ben borçluyum / bana borçlu), varlık, miktar, borç tarihi; o tarihteki birim fiyat ve TL karşılığı not olarak saklanır (boşsa fiyat tablosundan). Değerleme: borç satış, alacak alış fiyatıyla.
+- Borca bağlı birikim planı: birikim hesabı ve aylık tutar; "Birikim ekle" kaynak hesaptan birikim hesabına transfer oluşturur, borç kapanmaz. Kartta güncel değer, biriken, kalan ihtiyaç ve tahmini kapanış ayı.
+- "Ödeme gerçekleşti": aynı varlıkla veya TL karşılığıyla; tarih, miktar/tutar, hesap. TL ödemede miktar boşsa güncel fiyattan hesaplanır; kısmi ödeme miktarı düşürür, kalanı aşan ödeme kalana sınırlanır, tam ödemede kayıt kapanır. Borç ödemesi hesaptan çıkış, alacak tahsilatı hesaba giriş işlemi olarak aynı transaction'da oluşturulur; denetim kaydı (`inkind.payment`, `inkind.close`).
+- Cari listesinde açık aynî kayıtlar rozet olarak.
+- Aynî borç hareketleri cari TL bakiyesine ve gelir/gider toplamlarına girmez; "yalnızca ben" carinin aynî kayıtları ve hareketleri başkasına görünmez (hesap ekstresinde ad ve açıklama gizlenir). Ödeme işlemi tek başına silinemez.
+- Seed: son 6 ayın örnek altın/döviz fiyatları (gerçek piyasa verisi değildir), birikim planlı 5 gr altın borcu (iki katkıyla), USD alacağı, Annemler'de çeyrek altın alacağı.
+- `008` migration'ı: `assetPrices`, `inKindDebts` index'leri, işlemlerde aynî borç alanları.
+- Testler: değer/miktar karşılığı, değerleme fiyatı, ilerleme ve tahmini kapanış (birim); fiyat tablosu, tarih fiyatı, birikim katkısı, kısmi/tam ödeme, kapanış, alacak tahsilatı, cari bakiye ve gelir/gider ayrımı, gizli cari ve yetki (entegrasyon).
+
+### Eklendi — Faz 8a: cari hesaplar
+
+- Cari kişiler (`contacts`): ad, yakınlık, telefon, not, açılış bakiyesi (+ bana borçlu / − ben borçluyum), vade tarihi ve hatırlatma günü; arşivleme; aynı adda iki aktif cari engellenir (Türkçe normalize).
+- "Yalnızca ben" cari: kişi ve hareketleri yalnızca sahibine görünür; ortak hesabın ekstresinde bu hareketler görünür ama kişi adı "Gizli cari" olarak maskelenir.
+- Cari hareketleri: "Borç verdim", "Borç ödedim" (hesaptan cariye), "Borç aldım", "Tahsilat" (cariden hesaba). Hepsi transferdir: hesap bakiyesi değişir, gelir/gider toplamlarına girmez. Kısmi ödeme bakiyeyle doğal olarak desteklenir.
+- `/cari`: bana borçlu / ben borçluyum / net özeti, cari listesi (bakiye, son hareket, vade rozeti), yeni cari, hareket ekle, düzenle, arşivle.
+- `/cari/:id`: cari ekstresi (tarih sıralı hareketler ve yürüyen bakiye, açılış satırı); hareketi düzenleme ve geri alınabilir silme.
+- Vade uyarısı (uygulama içi): vade geçtiyse veya hatırlatma penceresindeyse cari listesinde rozet ve dashboard'da uyarı.
+- İşlem listesi ve ayrıntısında cari hareketleri kişi adı ve hareket türüyle; ayrıntıdan cariye bağlantı. CSV'de kategori sütununda "Cari: Ad (tür)".
+- Seed: 5 örnek cari (vadesi yaklaşan alacak, kısmen ödenen borç, vadesi geçmiş alacak, "yalnızca ben" cari, Annemler hanesinde bir borç).
+- `007` migration'ı: `contacts` index'leri, işlemlerde cari alanları. Denetim kaydı: cari arşivleme.
+- Testler: yön/bakiye ve vade durumu (birim); defter, bakiye ve gelir/gider ayrımı, açılış bakiyesi, ekstre, tür değiştirme, vade uyarısı, çift ad, arşiv, yetki, başka hanenin hesabı ve gizli cari izolasyonu (entegrasyon).
+
+### Değişti — Faz 8a
+
+- İşlemlerde kaynak hesap (`accountId`) artık boş olabilir: cariden girişte para yalnızca hedef hesaba (`toAccountId`) girer. Bakiye, ekstre, kart ve KMH hesapları ek kural olmadan doğru çalışır.
+
+## [0.7.0] - 2026-11-05
+
+Faz 7: planlı/düzenli işlemler, kredi kartı ve KMH dönemleri, taksitler (7a ve 7b alt fazları).
+
+### Eklendi — Faz 7b: kart ve KMH dönemleri, taksitler
+
+- Dönem hesabı (`shared/card-periods.ts`): kesim günü dahil "Hesap Kesim Dönemi", sonrası "Güncel Dönem"; kesim günü ayda yoksa ayın son günü; kesim günü bitmeden dönem kapanmış sayılmaz. Son ödeme: kesimden N gün sonra veya ayın sabit günü.
+- Kart özeti (`/hesaplar/:id`, kredi kartı): toplam borç, kullanılabilir limit (gelecek taksitler dahil düşülür) ve kullanım çubuğu; hesap kesim dönemi borcu, asgari ödeme, ödenen, kalan, son ödeme tarihi ve kalan gün; güncel dönem harcaması; dönem dönem yaklaşan taksitler; planlı harcamalar; son 6 ekstre.
+- Asgari ödeme: limit 50.000 TL altı %20, üstü %40; kart bazında oran girilebilir (hesap formu).
+- "Borcu öde": ödeme hesabından karta transfer formu kalan dönem borcuyla dolu açılır; ödemeler dönem borcundan düşer (kısmi ödeme desteklenir).
+- Taksitli harcama: kredi kartı giderinde taksit sayısı (2–36). Her taksit ayrı işlem ("Hepsiburada 4/9"); toplam kuruş kaybı olmadan bölünür; vadesi gelen taksit kendi döneminde otomatik gerçekleşir, gelecek taksitler planlıdır ve bakiyeyi etkilemez. Ayrıntıdan "Kalan taksitleri iptal et".
+- KMH özeti (KMH'li banka hesabı): limit, kullanılan, kullanılabilir; geçen ve bu dönem için gün sonu eksi bakiyelerden tahmini faiz; "Faiz kaydı ekle" kesim tarihli, "Banka › Faiz" kategorili gider formunu doldurur (vergiler hariç not).
+- `statements` koleksiyonu: kart/KMH dönem kayıtları (borç, asgari, ödenen, harcama, tahmini faiz); kart özeti okunurken işlemlerden yeniden hesaplanır.
+- İşlem formuna ön doldurma desteği (kart ödemesi, faiz kaydı).
+- Seed: iki taksitli kart alışverişi.
+- `006` migration'ı: `statements` index'leri, taksit planı index'i.
+- Testler: dönem/son ödeme/asgari/taksit planı/KMH faizi (birim); kart özeti tutarlılığı (bağımsız bakiye hesabıyla), ödeme etkisi, taksit üretimi ve otomatik gerçekleşme, taksit iptali, taksit kuralları, KMH faiz tahmini ve yetki (entegrasyon).
+
+### Düzeltildi — Faz 7b
+
+- Seed: aynı aydaki satıcısız/kategorisiz transferler aynı `seedRef`'i aldığı için kart borcu ödemesi ve aylık birikim transferleri hiç oluşmuyordu; artık oluşuyor (mevcut kayıtlar kopyalanmaz). Kart ödemesi son ödeme gününden önceye alındı.
+
+### Eklendi — Faz 7a: planlı ve düzenli işlemler
+
+- Düzenli işlem kuralları (`recurringRules`): gelir, gider, transfer; sabit veya tahmini tutar; günlük/haftalık/aylık/yıllık, "her N birimde bir", ayın N. günü (ayda yoksa son gün) veya ayın son günü; bitiş yok, tekrar sayısı (ör. 12) veya bitiş tarihi. Formda Türkçe tekrar açıklaması ve ilk tarihlerin önizlemesi.
+- Her tekrar için `planned` durumunda planlı kayıt; bitiş tarihsiz kurallarda 12 ay ileriye kadar. Ufuk sayfa okunurken ilerletilir (zamanlanmış görev gerekmez); üretim idempotent (`recurringRuleId + occurrenceIndex` benzersiz). Planlı kayıtlar bakiyeyi etkilemez.
+- `/planli`: vadesi geçmiş, yaklaşan (60 gün) ve kurallar sekmeleri; "Onayla" (tutar ve tarih düzeltilebilir), "Ertele", "Atla"; seri pozisyonu ("3/12") ve "Tahmini" rozetleri.
+- Seri düzenleme: "Yalnızca bu" (kayıt seriden ayrılır), "Bu ve sonrakiler" (seri bölünür), "Tümü" (onaylanmamış planlı kayıtlar yeniden üretilir; gerçekleşen, atlanan ve ayrılmış kayıtlar korunur). Silmede "bu ve sonrakiler" / "tüm seri"; gerçekleşmiş kayıtlar silinmez.
+- Dashboard'da vadesi geçmiş planlı işlem uyarısı.
+- Seed: 11 örnek düzenli işlem (maaş, kira, aidat, tahmini faturalar, abonelikler, emekli maaşı; vadesi geçmiş örnek olarak 12 taksitli spor salonu).
+- `005` migration'ı: `recurringRules` index'leri, işlemlerde tekrar alanları. Denetim kaydı: `recurring.delete`.
+- Testler: tekrar tarihi hesabı (ay sonu, artık yıl, aralık, sayı/bitiş/ufuk) ve form şeması (birim); üretim, onay/atla/ertele, seri düzenleme ve silme, bakiye etkisizliği, yetki ve gizli hesap izolasyonu (entegrasyon).
+
+### Değişti — Faz 7a
+
+- İşlem listesi varsayılan olarak planlı kayıtları göstermez (durum filtresiyle görülebilir); özet toplamları seçili duruma göre hesaplanır.
+
+## [0.6.0] - 2026-11-05
+
+Faz 6: hesaplar, kategoriler, işlemler, ek dosyalar ve mutabakat (6a, 6b, 6c alt fazları).
+
+### Eklendi — Faz 6c: ek dosyalar, carousel, ekstre ve mutabakat
+
+- Depolama soyutlaması `lib/storage/` (`put`, `get`, `delete`); yerel disk sürücüsü (`UPLOAD_DIR`), atomik yazma, rastgele anahtarlar, yol geçişine karşı anahtar doğrulaması.
+- Ek dosya yükleme `POST /api/files`: tür dosya içeriğinden (imza) tespit edilir — JPEG, PNG, WebP, HEIC, PDF; uzantıya güvenilmez. Dosya başına `MAX_UPLOAD_MB` (10 MB), kayıt başına 10 dosya. Origin kontrolü.
+- Görseller sharp ile EXIF yönüne göre döndürülür, en fazla 2000 px'e küçültülür, WebP'ye çevrilir; EXIF/GPS dahil tüm meta veri silinir; 320 px küçük resim üretilir. iPhone HEIC dosyaları libheif (WASM, `heic-decode`) ile çözülür. PDF'ler yapı kontrolünden sonra olduğu gibi saklanır.
+- Yetkili servis `GET /api/files/:id` (`?v=thumb`, `&indir=1`): oturum + hane üyeliği; bekleyen ek yalnızca yükleyene; silinmiş işlemin veya başkasının gizli hesabındaki işlemin eki görünmez (404). Dosyalara özel sıkı CSP, `nosniff`, `private` önbellek.
+- `attachments` koleksiyonu (`ownerType`, `ownerId`, tür, boyut, yükleyen, sıra). Ekler işlemle aynı MongoDB transaction'ında bağlanır; hata olursa işlem de oluşmaz. Gider: yalnızca görsel; gelir ve transfer: görsel veya PDF.
+- İşlem formunda küçük "Ek ekle" alanı (çoklu seçim, yükleme göstergesi, küçük önizleme, kaldırma, sayaç); yüklemeler bitmeden kaydedilemez. Kopyada ekler taşınmaz.
+- Görüntüleyici: shadcn Carousel (Embla) — oklar, kaydırma, klavye okları, tam ekran, "2 / 5" göstergesi, indirme; PDF'ler ikon + "Aç" düğmesiyle. Ayrıntıda en fazla 4 küçük resim + "+N".
+- Temizlik `npm run cleanup`: 24 saatten eski bağlanmamış ekler, 30 günden önce kayıttan çıkarılmış ekler ve 30 günden önce silinmiş işlemlerin ekleri (dosyalarıyla) silinir.
+- Hesap ekstresi `/hesaplar/:id?ay=YYYY-MM`: ay başı/ay sonu bakiyesi, giriş/çıkış, yürüyen bakiye, mutabakat işaretleri; işlem ayrıntısı ekstreden açılır. Başkasının gizli hesabına transfer ekstrede görünür ama karşı hesap adı gizlenir.
+- Mutabakat: ekstre tarihi ve bakiyesi girilir, uygulama bakiyesiyle karşılaştırılır (kredi kartında borç pozitif girilir). Fark varsa onayla "Mutabakat düzeltmesi" işlemi oluşturulur; o tarihe kadarki işlemler hesap bazında işaretlenir; `reconciliations` kaydı ve denetim kaydı (`account.reconcile`) tek transaction'da.
+- `004` migration'ı: `attachments` ve `reconciliations` index'leri; işlemlerde `reconciledAccountIds` ve `isAdjustment`.
+- Testler: dosya türü tespiti, depolama, ekstre yardımcıları (birim); yükleme/dönüştürme (EXIF silme, yön, boyut, HEIC), bağlama kuralları, erişim izolasyonu, temizlik, ekstre tutarlılığı, mutabakat (entegrasyon).
+
+### Değişti — Faz 6c
+
+- Hesap adı artık hesap ekstresini açar (gizli hesaplarda bağlantı yok).
+- Bakiyeyi etkileyen alanı (tutar, tarih, tür, hesap) değiştirilen işlemin mutabakat işareti kalkar. Mutabakat düzeltmesi düzenlenemez, yalnızca silinebilir.
+- İşlemlerdeki kullanılmayan `reconciledAt` alanı, hesap bazında `reconciledAccountIds` ile değiştirildi.
+
+### Düzeltildi
+
+- `seed:reset` işlemleri ve satıcıları silmiyordu; artık işlemler, satıcılar, ekler (diskteki dosyalarıyla) ve mutabakatlar da temizlenir.
 
 ### Eklendi — Faz 6b: işlemler
 
@@ -154,7 +284,11 @@ Faz 1: Framework, klasör yapısı ve altyapı.
 - `.nvmrc` (Node 26), `engines.node`, `typecheck`, `test`, `format`, `db:up`, `seed` scriptleri.
 - `docs/PROMPT.md` (ana prompt ve Faz 0 kararları), `README.md`, `CHANGELOG.md`.
 
-[Yayınlanmamış]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.5.0...HEAD
+[Yayınlanmamış]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.9.0...HEAD
+[0.9.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.8.0...v0.9.0
+[0.8.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.7.0...v0.8.0
+[0.7.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.6.0...v0.7.0
+[0.6.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.5.0...v0.6.0
 [0.5.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.4.0...v0.5.0
 [0.4.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.3.0...v0.4.0
 [0.3.0]: https://gitea.ta1sph.info/suphicakir/butcem/compare/v0.2.0...v0.3.0

README.md

@@ -52,16 +52,19 @@ Giriş kullanıcı adı **veya** e-posta ile yapılır. Kayıt kapalıdır; kull
 
 ## Scriptler
 
-| Komut                         | Açıklama                         |
-| ----------------------------- | -------------------------------- |
-| `npm run dev`                 | Geliştirme sunucusu              |
-| `npm run build` / `start`     | Üretim build'i / sunucusu        |
-| `npm run lint`                | ESLint                           |
-| `npm run typecheck`           | `tsc --noEmit`                   |
-| `npm run test`                | Vitest birim testleri            |
-| `npm run format`              | Prettier                         |
-| `npm run db:up` / `db:down`   | Lokal MongoDB'yi başlat / durdur |
-| `npm run seed` / `seed:reset` | Örnek veri (Faz 4)               |
+| Komut                         | Açıklama                          |
+| ----------------------------- | --------------------------------- |
+| `npm run dev`                 | Geliştirme sunucusu               |
+| `npm run build` / `start`     | Üretim build'i / sunucusu         |
+| `npm run lint`                | ESLint                            |
+| `npm run typecheck`           | `tsc --noEmit`                    |
+| `npm run test`                | Vitest birim testleri             |
+| `npm run format`              | Prettier                          |
+| `npm run db:up` / `db:down`   | Lokal MongoDB'yi başlat / durdur  |
+| `npm run seed` / `seed:reset` | Örnek veri (Faz 4)                |
+| `npm run test:integration`    | Entegrasyon testleri (MongoDB)    |
+| `npm run migrate`             | Bekleyen migration'lar            |
+| `npm run cleanup`             | Eski/bağlanmamış ek dosyaları sil |
 
 ## Haneler ve yetki
 

docs/PROMPT.md

@@ -318,6 +318,8 @@ Aşağıdakileri varsayılan olarak kabul ettim. Faz 0'da yalnızca bunlardan em
 - **URL'ler:** ekran yolları Türkçe ASCII (`/islemler`, `/butce`); kod, koleksiyon adları ve `/api/v1` İngilizce.
 - **Canlı domain:** `butcem.ta1sph.website` (Gitea `gitea.ta1sph.info` üzerinde; fark kasıtlı).
 - **Aktif hane varsayılanı:** tercih (cookie) yoksa kullanıcının en yüksek rolde olduğu hane açılır.
+- **Faz 7 kararları (2026-11-05):** 7a planlı/düzenli işlemler, 7b kart/KMH dönemleri ve taksitler; `v0.7.0` 7b sonunda. Taksitli harcamada her taksit ayrı işlem ("Hepsiburada 4/9"); vadesi gelen taksit kendi döneminde otomatik gerçekleşir, gelecek taksitler kullanılabilir limitten düşer ama güncel borçta görünmez. Bitiş tarihi olmayan düzenli işlemler 12 ay ileriye üretilir (ufuk okuma sırasında ilerletilir). Asgari ödeme varsayılanı: limit 50.000 TL altı %20, üstü %40; kart bazında değiştirilebilir.
+- **Faz 8 kararları (2026-11-05):** 8a cari hesaplar, 8b aynî borç/alacak; `v0.8.0` 8b sonunda. Varlık türleri ve elle fiyat tablosu (Bölüm 6.6) 8b'ye çekilir, Faz 9 yeniden kullanır. Cariler hane ortaktır; "yalnızca ben" işaretli cari yalnızca sahibine görünür. Vade hatırlatması uygulama içi uyarıdır (dashboard + cari sayfası); push/e-posta Faz 16'da değerlendirilir.
 - **Lokal MongoDB portu:** host'ta `27019` (27017 ve 27018 geliştirme makinesinde dolu). `BUTCEM_MONGO_PORT` ile değiştirilebilir.
 
 ---

next.config.ts

@@ -42,10 +42,24 @@ const securityHeaders = [
       [{ key: "Strict-Transport-Security", value: "max-age=31536000" }]),
 ];
 
+/**
+ * /api/files: kullanıcı dosyaları (WebP görsel, PDF). Sayfa CSP'si yerine daha sıkı bir politika:
+ * betik yok; PDF'in tarayıcı görüntüleyicisinde açılabilmesi için object-src 'self'.
+ */
+const fileCsp = [
+  "default-src 'none'",
+  "img-src 'self'",
+  "style-src 'unsafe-inline'",
+  "object-src 'self'",
+  "frame-ancestors 'self'",
+].join("; ");
+
 const nextConfig: NextConfig = {
   // Docker imajı için yalnızca gerekli dosyaları .next/standalone altına kopyala.
   output: "standalone",
   poweredByHeader: false,
+  // HEIC çözücü (libheif WASM) bundle'a girmesin; Node require ile yüklensin.
+  serverExternalPackages: ["heic-decode", "libheif-js"],
   experimental: {
     agentFeedback: true,
   },
@@ -60,7 +74,16 @@ const nextConfig: NextConfig = {
     },
   },
   async headers() {
-    return [{ source: "/:path*", headers: securityHeaders }];
+    return [
+      { source: "/:path((?!api/files/).*)", headers: securityHeaders },
+      {
+        source: "/api/files/:path*",
+        headers: [
+          ...securityHeaders.filter((h) => h.key !== "Content-Security-Policy"),
+          { key: "Content-Security-Policy", value: fileCsp },
+        ],
+      },
+    ];
   },
 };
 

package-lock.json

@@ -1,18 +1,20 @@
 {
   "name": "butcem",
-  "version": "0.1.0",
+  "version": "0.9.0",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "butcem",
-      "version": "0.1.0",
+      "version": "0.9.0",
       "dependencies": {
         "@hookform/resolvers": "^7.0.2",
         "@tanstack/react-table": "^9.3.1",
         "better-auth": "^1.7.17",
         "class-variance-authority": "^0.7.1",
         "cn": "^0.5.2",
+        "embla-carousel-react": "^8.6.0",
+        "heic-decode": "^2.1.0",
         "lucide-react": "^1.68.0",
         "mongodb": "~7.7",
         "mongoose": "^9.11.4",
@@ -22,6 +24,7 @@
         "react": "^19.3.1",
         "react-dom": "^19.3.1",
         "react-hook-form": "^7.91.0",
+        "recharts": "^3.8.0",
         "server-only": "^0.0.1",
         "shadcn": "^4.23.0",
         "sharp": "^0.35.5",
@@ -4049,6 +4052,46 @@
       "integrity": "sha512-JtyZR+mqgBibTo8xea3B6ZRmzZiM/YeVBtUkas6zMuXjAlfIFIW2FgqeM9eLyvEaYX66vr6DJMK+4U6LV0KhNw==",
       "license": "MIT"
     },
+    "node_modules/@reduxjs/toolkit": {
+      "version": "2.14.0",
+      "resolved": "https://registry.npmjs.org/@reduxjs/toolkit/-/toolkit-2.14.0.tgz",
+      "integrity": "sha512-m/PxMwRe0xLL6XUsAgy0YjInklHcfi9uMwFhJk+QINqjxqPvyc89T5cMjszA5bDmTE0gwGc7zr9LRO4gL+mhaw==",
+      "license": "MIT",
+      "dependencies": {
+        "@standard-schema/spec": "^1.0.0",
+        "@standard-schema/utils": "^0.3.0",
+        "immer": "^11.2.9",
+        "redux": "^5.0.1",
+        "redux-thunk": "^3.1.0",
+        "reselect": "^5.1.0"
+      },
+      "peerDependencies": {
+        "@types/react": "*",
+        "react": "^16.9.0 || ^17.0.0 || ^18 || ^19",
+        "react-redux": "^7.2.1 || ^8.1.3 || ^9.0.0"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "react": {
+          "optional": true
+        },
+        "react-redux": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@reduxjs/toolkit/node_modules/immer": {
+      "version": "11.2.9",
+      "resolved": "https://registry.npmjs.org/immer/-/immer-11.2.9.tgz",
+      "integrity": "sha512-IQ4UEtXjZjyefyWjtLEDXUSrF6T2hwjKPi6BIJl3bY/2XXW24d6cNGdXJSBOA/+KNnuiXkZY6DR0C3efolhitA==",
+      "license": "MIT",
+      "funding": {
+        "type": "opencollective",
+        "url": "https://opencollective.com/immer"
+      }
+    },
     "node_modules/@rolldown/binding-android-arm-eabi": {
       "version": "1.2.16",
       "resolved": "https://registry.npmjs.org/@rolldown/binding-android-arm-eabi/-/binding-android-arm-eabi-1.2.16.tgz",
@@ -4962,6 +5005,69 @@
         "assertion-error": "^2.0.1"
       }
     },
+    "node_modules/@types/d3-array": {
+      "version": "3.2.2",
+      "resolved": "https://registry.npmjs.org/@types/d3-array/-/d3-array-3.2.2.tgz",
+      "integrity": "sha512-hOLWVbm7uRza0BYXpIIW5pxfrKe0W+D5lrFiAEYR+pb6w3N2SwSMaJbXdUfSEv+dT4MfHBLtn5js0LAWaO6otw==",
+      "license": "MIT"
+    },
+    "node_modules/@types/d3-color": {
+      "version": "3.1.3",
+      "resolved": "https://registry.npmjs.org/@types/d3-color/-/d3-color-3.1.3.tgz",
+      "integrity": "sha512-iO90scth9WAbmgv7ogoq57O9YpKmFBbmoEoCHDB2xMBY0+/KVrqAaCDyCE16dUspeOvIxFFRI+0sEtqDqy2b4A==",
+      "license": "MIT"
+    },
+    "node_modules/@types/d3-ease": {
+      "version": "3.0.2",
+      "resolved": "https://registry.npmjs.org/@types/d3-ease/-/d3-ease-3.0.2.tgz",
+      "integrity": "sha512-NcV1JjO5oDzoK26oMzbILE6HW7uVXOHLQvHshBUW4UMdZGfiY6v5BeQwh9a9tCzv+CeefZQHJt5SRgK154RtiA==",
+      "license": "MIT"
+    },
+    "node_modules/@types/d3-interpolate": {
+      "version": "3.0.4",
+      "resolved": "https://registry.npmjs.org/@types/d3-interpolate/-/d3-interpolate-3.0.4.tgz",
+      "integrity": "sha512-mgLPETlrpVV1YRJIglr4Ez47g7Yxjl1lj7YKsiMCb27VJH9W8NVM6Bb9d8kkpG/uAQS5AmbA48q2IAolKKo1MA==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/d3-color": "*"
+      }
+    },
+    "node_modules/@types/d3-path": {
+      "version": "3.1.1",
+      "resolved": "https://registry.npmjs.org/@types/d3-path/-/d3-path-3.1.1.tgz",
+      "integrity": "sha512-VMZBYyQvbGmWyWVea0EHs/BwLgxc+MKi1zLDCONksozI4YJMcTt8ZEuIR4Sb1MMTE8MMW49v0IwI5+b7RmfWlg==",
+      "license": "MIT"
+    },
+    "node_modules/@types/d3-scale": {
+      "version": "4.0.9",
+      "resolved": "https://registry.npmjs.org/@types/d3-scale/-/d3-scale-4.0.9.tgz",
+      "integrity": "sha512-dLmtwB8zkAeO/juAMfnV+sItKjlsw2lKdZVVy6LRr0cBmegxSABiLEpGVmSJJ8O08i4+sGR6qQtb6WtuwJdvVw==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/d3-time": "*"
+      }
+    },
+    "node_modules/@types/d3-shape": {
+      "version": "3.2.0",
+      "resolved": "https://registry.npmjs.org/@types/d3-shape/-/d3-shape-3.2.0.tgz",
+      "integrity": "sha512-kVd74ta9eof3eJOvbNd1vGKS/XERRyQbT26Og63hIsvDO84cjD5gEOhsXf26w3FSoNlPVz84DOFcKv/oou+fMw==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/d3-path": "*"
+      }
+    },
+    "node_modules/@types/d3-time": {
+      "version": "3.0.4",
+      "resolved": "https://registry.npmjs.org/@types/d3-time/-/d3-time-3.0.4.tgz",
+      "integrity": "sha512-yuzZug1nkAAaBlBBikKZTgzCeA+k1uy4ZFwWANOfKw5z5LRhV0gNA7gNkKm7HoK+HRN0wX3EkxGk0fpbWhmB7g==",
+      "license": "MIT"
+    },
+    "node_modules/@types/d3-timer": {
+      "version": "3.0.2",
+      "resolved": "https://registry.npmjs.org/@types/d3-timer/-/d3-timer-3.0.2.tgz",
+      "integrity": "sha512-Ps3T8E8dZDam6fUyNiMkekK3XUsaUEik+idO9/YjPtfj2qruF8tFBXS7XhtE4iIXBLxhmLjP3SXpLhVf21I9Lw==",
+      "license": "MIT"
+    },
     "node_modules/@types/deep-eql": {
       "version": "4.0.2",
       "resolved": "https://registry.npmjs.org/@types/deep-eql/-/deep-eql-4.0.2.tgz",
@@ -5020,6 +5126,12 @@
         "@types/react": "^19.3.0"
       }
     },
+    "node_modules/@types/use-sync-external-store": {
+      "version": "0.0.6",
+      "resolved": "https://registry.npmjs.org/@types/use-sync-external-store/-/use-sync-external-store-0.0.6.tgz",
+      "integrity": "sha512-zFDAD+tlpf2r4asuHEj0XH6pY6i0g5NeAHPn+15wk3BV6JA69eERFXC1gyGThDkVa1zCyKr5jox1+2LbV/AMLg==",
+      "license": "MIT"
+    },
     "node_modules/@types/validate-npm-package-name": {
       "version": "4.0.2",
       "resolved": "https://registry.npmjs.org/@types/validate-npm-package-name/-/validate-npm-package-name-4.0.2.tgz",
@@ -6571,6 +6683,127 @@
       "devOptional": true,
       "license": "MIT"
     },
+    "node_modules/d3-array": {
+      "version": "3.2.5",
+      "resolved": "https://registry.npmjs.org/d3-array/-/d3-array-3.2.5.tgz",
+      "integrity": "sha512-Th8qGXoBalmWsstpkuhmBuTsBQIFqYOJtjlBvNVvBfJ8E3uYusBUwUR8HU20U0qKKQkgCvKyR1YjiozWadk5QA==",
+      "license": "ISC",
+      "dependencies": {
+        "internmap": "1 - 2"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-color": {
+      "version": "3.1.1",
+      "resolved": "https://registry.npmjs.org/d3-color/-/d3-color-3.1.1.tgz",
+      "integrity": "sha512-lfab8x0Bj0UO7SNsY8dZSbNIA6ipbkE3X0NG9nqjCu6CfCHZseuDnOSJY7hidKrjpP++i1M2qT+FlAdPKYRilA==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-ease": {
+      "version": "3.0.2",
+      "resolved": "https://registry.npmjs.org/d3-ease/-/d3-ease-3.0.2.tgz",
+      "integrity": "sha512-B5znKqRmKROAN4oHWQ50W/qisVjA9GXh2WMsVKdFVp4DxWmcrOsweqgUOUVsv5th96kwaZlokU6SlV4J3gak1w==",
+      "license": "BSD-3-Clause",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-format": {
+      "version": "3.1.3",
+      "resolved": "https://registry.npmjs.org/d3-format/-/d3-format-3.1.3.tgz",
+      "integrity": "sha512-+F+/49swqmGuQJmSKnVMIDH/QkEFV5li9QRj0xm/KhyAUBv099O5PrvpQFxBp24PYph17Mnvt9mjKQV0ii0nMA==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-interpolate": {
+      "version": "3.0.2",
+      "resolved": "https://registry.npmjs.org/d3-interpolate/-/d3-interpolate-3.0.2.tgz",
+      "integrity": "sha512-IRzGU62DtxhvsnSTWMQIdnoZ6gA+BCWwBon1EJI6SjoN595799b6z/QRBzXfFhE8iupUPp3042yBNo0STPqnzQ==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-color": "1 - 3"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-path": {
+      "version": "3.1.1",
+      "resolved": "https://registry.npmjs.org/d3-path/-/d3-path-3.1.1.tgz",
+      "integrity": "sha512-jsbgV8zIT38ReB9O7X7gcLndTQRONSqNNd+oGIaTBdUug4r5jFmp0N6RY9R5GWbdUDucn0qoTGyfjapT4tDhcg==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-scale": {
+      "version": "4.0.3",
+      "resolved": "https://registry.npmjs.org/d3-scale/-/d3-scale-4.0.3.tgz",
+      "integrity": "sha512-66cWobCNzcMvlfoaDHCxuIv9TBUWG1BLOWdv9kHHFuCr1JdqAWPvTmsaEYDD5NRMyWZ5+7u0GqiCDfMXMqh3hg==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-array": "2.10.0 - 3",
+        "d3-format": "1 - 3",
+        "d3-interpolate": "1.2.0 - 3",
+        "d3-time": "2.1.1 - 3",
+        "d3-time-format": "2 - 4"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-shape": {
+      "version": "3.2.1",
+      "resolved": "https://registry.npmjs.org/d3-shape/-/d3-shape-3.2.1.tgz",
+      "integrity": "sha512-dm2o+lbKdzg9tY7GEag/dB9hcbodLfwkE/DkvqbELJXaMz0yKzWWhZqhbI7CKubukA7HnRyz0avdtvi7EPxPvw==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-path": "^3.1.1"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-time": {
+      "version": "3.1.1",
+      "resolved": "https://registry.npmjs.org/d3-time/-/d3-time-3.1.1.tgz",
+      "integrity": "sha512-Ze7rjrhMzdeulh0/hjcfFj7XLAHOfowtEMfsoG6DU866HPynQNW7Wfen6hzXcqKTv8XzxvF6Hzr5XD6bMHr2ug==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-array": "2 - 3"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-time-format": {
+      "version": "4.1.1",
+      "resolved": "https://registry.npmjs.org/d3-time-format/-/d3-time-format-4.1.1.tgz",
+      "integrity": "sha512-22XaqjyCjpqgda20erhsOjGmC3vvYwTNYniKAd45W5UWLDF43moeOuV9qYpRqobIlsnK0UhnKZjUUJm3VgORUA==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-time": "1 - 3"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-timer": {
+      "version": "3.0.2",
+      "resolved": "https://registry.npmjs.org/d3-timer/-/d3-timer-3.0.2.tgz",
+      "integrity": "sha512-1Il1aliroVSErrv5aulRBxAY+7+DnaoLIWGd1C6SsBTWDeobWiP/V69vwb8vT6abR1kKwaNe1196pmaQ1fK90A==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
     "node_modules/damerau-levenshtein": {
       "version": "1.0.8",
       "resolved": "https://registry.npmjs.org/damerau-levenshtein/-/damerau-levenshtein-1.0.8.tgz",
@@ -6664,6 +6897,12 @@
         }
       }
     },
+    "node_modules/decimal.js-light": {
+      "version": "2.5.1",
+      "resolved": "https://registry.npmjs.org/decimal.js-light/-/decimal.js-light-2.5.1.tgz",
+      "integrity": "sha512-qIMFpTMZmny+MMIitAB6D7iVPEorVw6YQRWkvarTkT4tBeSLLiHzcwj6q0MmYSFCiVpiqPJTJEYIrpcPzVEIvg==",
+      "license": "MIT"
+    },
     "node_modules/dedent": {
       "version": "1.7.2",
       "resolved": "https://registry.npmjs.org/dedent/-/dedent-1.7.2.tgz",
@@ -6861,6 +7100,34 @@
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       "license": "ISC"
     },
+    "node_modules/embla-carousel": {
+      "version": "8.6.0",
+      "resolved": "https://registry.npmjs.org/embla-carousel/-/embla-carousel-8.6.0.tgz",
+      "integrity": "sha512-SjWyZBHJPbqxHOzckOfo8lHisEaJWmwd23XppYFYVh10bU66/Pn5tkVkbkCMZVdbUE5eTCI2nD8OyIP4Z+uwkA==",
+      "license": "MIT"
+    },
+    "node_modules/embla-carousel-react": {
+      "version": "8.6.0",
+      "resolved": "https://registry.npmjs.org/embla-carousel-react/-/embla-carousel-react-8.6.0.tgz",
+      "integrity": "sha512-0/PjqU7geVmo6F734pmPqpyHqiM99olvyecY7zdweCw+6tKEXnrE90pBiBbMMU8s5tICemzpQ3hi5EpxzGW+JA==",
+      "license": "MIT",
+      "dependencies": {
+        "embla-carousel": "8.6.0",
+        "embla-carousel-reactive-utils": "8.6.0"
+      },
+      "peerDependencies": {
+        "react": "^16.8.0 || ^17.0.1 || ^18.0.0 || ^19.0.0 || ^19.0.0-rc"
+      }
+    },
+    "node_modules/embla-carousel-reactive-utils": {
+      "version": "8.6.0",
+      "resolved": "https://registry.npmjs.org/embla-carousel-reactive-utils/-/embla-carousel-reactive-utils-8.6.0.tgz",
+      "integrity": "sha512-fMVUDUEx0/uIEDM0Mz3dHznDhfX+znCCDCeIophYb1QGVM7YThSWX+wz11zlYwWFOr74b4QLGg0hrGPJeG2s4A==",
+      "license": "MIT",
+      "peerDependencies": {
+        "embla-carousel": "8.6.0"
+      }
+    },
     "node_modules/emoji-regex": {
       "version": "9.2.2",
       "resolved": "https://registry.npmjs.org/emoji-regex/-/emoji-regex-9.2.2.tgz",
@@ -7110,6 +7377,18 @@
         "url": "https://github.com/sponsors/ljharb"
       }
     },
+    "node_modules/es-toolkit": {
+      "version": "1.53.1",
+      "resolved": "https://registry.npmjs.org/es-toolkit/-/es-toolkit-1.53.1.tgz",
+      "integrity": "sha512-VhMc6IXmexu8iYFfL2aaAww6IvJTdHlqBLruLoEUs33YD4IcP5DdZcLOybMsMmmLsiy1c8PsiLsrM0DdIuuRUA==",
+      "license": "MIT",
+      "workspaces": [
+        "docs",
+        "benchmarks",
+        "tests/types",
+        "tests/browser-compat"
+      ]
+    },
     "node_modules/esbuild": {
       "version": "0.28.2",
       "resolved": "https://registry.npmjs.org/esbuild/-/esbuild-0.28.2.tgz",
@@ -7628,6 +7907,12 @@
         "node": ">=0.10.0"
       }
     },
+    "node_modules/eventemitter3": {
+      "version": "5.0.4",
+      "resolved": "https://registry.npmjs.org/eventemitter3/-/eventemitter3-5.0.4.tgz",
+      "integrity": "sha512-mlsTRyGaPBjPedk6Bvw+aqbsXDtoAyAzm5MO7JgU+yVRyMQ5O8bD4Kcci7BS85f93veegeCPkL8R4GLClnjLFw==",
+      "license": "MIT"
+    },
     "node_modules/execa": {
       "version": "9.6.1",
       "resolved": "https://registry.npmjs.org/execa/-/execa-9.6.1.tgz",
@@ -8205,6 +8490,18 @@
         "node": ">= 0.4"
       }
     },
+    "node_modules/heic-decode": {
+      "version": "2.1.0",
+      "resolved": "https://registry.npmjs.org/heic-decode/-/heic-decode-2.1.0.tgz",
+      "integrity": "sha512-0fB3O3WMk38+PScbHLVp66jcNhsZ/ErtQ6u2lMYu/YxXgbBtl+oKOhGQHa4RpvE68k8IzbWkABzHnyAIjR758A==",
+      "license": "ISC",
+      "dependencies": {
+        "libheif-js": "^1.19.8"
+      },
+      "engines": {
+        "node": ">=8.0.0"
+      }
+    },
     "node_modules/hermes-estree": {
       "version": "0.25.1",
       "resolved": "https://registry.npmjs.org/hermes-estree/-/hermes-estree-0.25.1.tgz",
@@ -8240,6 +8537,16 @@
         "node": ">= 4"
       }
     },
+    "node_modules/immer": {
+      "version": "10.2.0",
+      "resolved": "https://registry.npmjs.org/immer/-/immer-10.2.0.tgz",
+      "integrity": "sha512-d/+XTN3zfODyjr89gM3mPq1WNX2B8pYsu7eORitdwyA2sBubnTl3laYlBk4sXY5FUa5qTZGBDPJICVbvqzjlbw==",
+      "license": "MIT",
+      "funding": {
+        "type": "opencollective",
+        "url": "https://opencollective.com/immer"
+      }
+    },
     "node_modules/import-fresh": {
       "version": "3.3.1",
       "resolved": "https://registry.npmjs.org/import-fresh/-/import-fresh-3.3.1.tgz",
@@ -8282,6 +8589,15 @@
         "node": ">= 0.4"
       }
     },
+    "node_modules/internmap": {
+      "version": "2.0.3",
+      "resolved": "https://registry.npmjs.org/internmap/-/internmap-2.0.3.tgz",
+      "integrity": "sha512-5Hh7Y1wQbvY5ooGgPbDaL5iYLAPzMTUrjMulskHLH6wnv/A+1q5rgEaiuqEjB+oxGXIVZs1FF+R/KPN3ZSQYYg==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
     "node_modules/ip-address": {
       "version": "10.7.6",
       "resolved": "https://registry.npmjs.org/ip-address/-/ip-address-10.7.6.tgz",
@@ -9076,6 +9392,15 @@
         "node": ">= 0.8.0"
       }
     },
+    "node_modules/libheif-js": {
+      "version": "1.23.5",
+      "resolved": "https://registry.npmjs.org/libheif-js/-/libheif-js-1.23.5.tgz",
+      "integrity": "sha512-umXZPthnWZtF3iG/5mQG+AZ2V6i0UeYpo3z2CkggTEgL8dKmIIwJT6TDuAMuabXa1yTW8uJ1ZAgR+CxNTklYYw==",
+      "license": "LGPL-3.0",
+      "engines": {
+        "node": ">=8.0.0"
+      }
+    },
     "node_modules/lightningcss": {
       "version": "1.33.0",
       "resolved": "https://registry.npmjs.org/lightningcss/-/lightningcss-1.33.0.tgz",
@@ -10664,9 +10989,31 @@
       "version": "16.13.1",
       "resolved": "https://registry.npmjs.org/react-is/-/react-is-16.13.1.tgz",
       "integrity": "sha512-24e6ynE2H+OKt4kqsOvNd8kBpV65zoxbA4BVsEOB3ARVWQki/DHzaUoC5KuON/BiccDaCCTZBuOcfZs70kR8bQ==",
-      "dev": true,
       "license": "MIT"
     },
+    "node_modules/react-redux": {
+      "version": "9.3.1",
+      "resolved": "https://registry.npmjs.org/react-redux/-/react-redux-9.3.1.tgz",
+      "integrity": "sha512-vxMLT0lalUjbZPkoTepWyKAZbjIIFssNx/CEL9lTfwQBU6XpkGSmCNdcCIrkOBUgB68uftZMnbXVb6DwGnhRKQ==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/use-sync-external-store": "^0.0.6",
+        "use-sync-external-store": "^1.4.0"
+      },
+      "peerDependencies": {
+        "@types/react": "^18.2.25 || ^19",
+        "react": "^18.0 || ^19",
+        "redux": "^5.0.0"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "redux": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/react-remove-scroll": {
       "version": "2.7.2",
       "resolved": "https://registry.npmjs.org/react-remove-scroll/-/react-remove-scroll-2.7.2.tgz",
@@ -10752,6 +11099,51 @@
         "node": ">= 4"
       }
     },
+    "node_modules/recharts": {
+      "version": "3.8.0",
+      "resolved": "https://registry.npmjs.org/recharts/-/recharts-3.8.0.tgz",
+      "integrity": "sha512-Z/m38DX3L73ExO4Tpc9/iZWHmHnlzWG4njQbxsF5aSjwqmHNDDIm0rdEBArkwsBvR8U6EirlEHiQNYWCVh9sGQ==",
+      "license": "MIT",
+      "workspaces": [
+        "www"
+      ],
+      "dependencies": {
+        "@reduxjs/toolkit": "^1.9.0 || 2.x.x",
+        "clsx": "^2.1.1",
+        "decimal.js-light": "^2.5.1",
+        "es-toolkit": "^1.39.3",
+        "eventemitter3": "^5.0.1",
+        "immer": "^10.1.1",
+        "react-redux": "8.x.x || 9.x.x",
+        "reselect": "5.1.1",
+        "tiny-invariant": "^1.3.3",
+        "use-sync-external-store": "^1.2.2",
+        "victory-vendor": "^37.0.2"
+      },
+      "engines": {
+        "node": ">=18"
+      },
+      "peerDependencies": {
+        "react": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0",
+        "react-dom": "^16.0.0 || ^17.0.0 || ^18.0.0 || ^19.0.0",
+        "react-is": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0"
+      }
+    },
+    "node_modules/redux": {
+      "version": "5.0.1",
+      "resolved": "https://registry.npmjs.org/redux/-/redux-5.0.1.tgz",
+      "integrity": "sha512-M9/ELqF6fy8FwmkpnF0S3YKOqMyoWJ4+CS5Efg2ct3oY9daQvd/Pc71FpGZsVsbl3Cpb+IIcjBDUnnyBdQbq4w==",
+      "license": "MIT"
+    },
+    "node_modules/redux-thunk": {
+      "version": "3.1.0",
+      "resolved": "https://registry.npmjs.org/redux-thunk/-/redux-thunk-3.1.0.tgz",
+      "integrity": "sha512-NW2r5T6ksUKXCabzhL9z+h206HQw/NJkcLm1GPImRQ8IzfXwRGqjVhKJGauHirT0DAuyy6hjdnMZaRoAcy0Klw==",
+      "license": "MIT",
+      "peerDependencies": {
+        "redux": "^5.0.0"
+      }
+    },
     "node_modules/reflect.getprototypeof": {
       "version": "1.0.10",
       "resolved": "https://registry.npmjs.org/reflect.getprototypeof/-/reflect.getprototypeof-1.0.10.tgz",
@@ -10805,6 +11197,12 @@
         "node": ">=0.10.0"
       }
     },
+    "node_modules/reselect": {
+      "version": "5.1.1",
+      "resolved": "https://registry.npmjs.org/reselect/-/reselect-5.1.1.tgz",
+      "integrity": "sha512-K/BG6eIky/SBpzfHZv/dd+9JBFiS4SWV7FIujVyJRux6e45+73RaUHXLmIR1f7WOMaQ0U1km6qwklRQxpJJY0w==",
+      "license": "MIT"
+    },
     "node_modules/resolve": {
       "version": "2.0.0-next.7",
       "resolved": "https://registry.npmjs.org/resolve/-/resolve-2.0.0-next.7.tgz",
@@ -12354,6 +12752,28 @@
         "react-dom": "^16.8 || ^17.0 || ^18.0 || ^19.0.0 || ^19.0.0-rc"
       }
     },
+    "node_modules/victory-vendor": {
+      "version": "37.4.1",
+      "resolved": "https://registry.npmjs.org/victory-vendor/-/victory-vendor-37.4.1.tgz",
+      "integrity": "sha512-geV4p2GVfVM9lgm9ZRS3pvsbAPS+BUGhM9W9nPzPHTKi+/+KjNrFXdgP6KkG+XspNZuvcXmchcrtklfuQ4gniw==",
+      "license": "MIT AND ISC AND BSD-3-Clause",
+      "dependencies": {
+        "@types/d3-array": "^3.0.3",
+        "@types/d3-ease": "^3.0.0",
+        "@types/d3-interpolate": "^3.0.1",
+        "@types/d3-scale": "^4.0.2",
+        "@types/d3-shape": "^3.1.0",
+        "@types/d3-time": "^3.0.0",
+        "@types/d3-timer": "^3.0.0",
+        "d3-array": "^3.1.6",
+        "d3-ease": "^3.0.1",
+        "d3-interpolate": "^3.0.1",
+        "d3-scale": "^4.0.2",
+        "d3-shape": "^3.1.0",
+        "d3-time": "^3.0.0",
+        "d3-timer": "^3.0.1"
+      }
+    },
     "node_modules/vite": {
       "version": "8.3.5",
       "resolved": "https://registry.npmjs.org/vite/-/vite-8.3.5.tgz",

package.json

@@ -1,6 +1,6 @@
 {
   "name": "butcem",
-  "version": "0.5.0",
+  "version": "0.9.0",
   "private": true,
   "description": "BÜTÇEM — aile bütçe, cari, birikim, ev stoğu ve akıllı alışveriş uygulaması",
   "engines": {
@@ -22,7 +22,8 @@
     "seed:reset": "tsx --conditions=react-server --env-file=.env.local scripts/seed.ts --reset",
     "icons": "tsx scripts/generate-icons.ts",
     "test:integration": "vitest run --config vitest.integration.config.mts",
-    "migrate": "tsx --conditions=react-server --env-file=.env.local scripts/migrate.ts"
+    "migrate": "tsx --conditions=react-server --env-file=.env.local scripts/migrate.ts",
+    "cleanup": "tsx --conditions=react-server --env-file=.env.local scripts/cleanup.ts"
   },
   "dependencies": {
     "@hookform/resolvers": "^7.0.2",
@@ -30,6 +31,8 @@
     "better-auth": "^1.7.17",
     "class-variance-authority": "^0.7.1",
     "cn": "^0.5.2",
+    "embla-carousel-react": "^8.6.0",
+    "heic-decode": "^2.1.0",
     "lucide-react": "^1.68.0",
     "mongodb": "~7.7",
     "mongoose": "^9.11.4",
@@ -39,6 +42,7 @@
     "react": "^19.3.1",
     "react-dom": "^19.3.1",
     "react-hook-form": "^7.91.0",
+    "recharts": "^3.8.0",
     "server-only": "^0.0.1",
     "shadcn": "^4.23.0",
     "sharp": "^0.35.5",

scripts/cleanup.ts

@@ -0,0 +1,18 @@
+/**
+ * Ek dosya temizliği: npm run cleanup (canlıda günlük zamanlanmış görev; bkz. Faz 15).
+ * 24 saatten eski bağlanmamış ekler ve 30 günden önce silinmiş kayıtların ekleri fiziksel olarak silinir.
+ */
+import mongoose from "mongoose";
+import { purgeAttachments } from "@/features/attachments/service";
+import { getMongoClient } from "@/lib/db/mongo";
+
+purgeAttachments()
+  .then(({ removed }) => console.log(`✓ Temizlenen ek dosya: ${removed}`))
+  .catch((err: unknown) => {
+    console.error(err instanceof Error ? err.message : err);
+    process.exitCode = 1;
+  })
+  .finally(async () => {
+    await mongoose.disconnect();
+    await getMongoClient().close();
+  });

scripts/migrations/004-attachments-reconciliation.ts

@@ -0,0 +1,20 @@
+import { AttachmentModel } from "@/models/attachment";
+import { ReconciliationModel } from "@/models/reconciliation";
+import type { Migration } from "./types";
+
+export const migration: Migration = {
+  name: "004-attachments-reconciliation",
+  description: "attachments ve reconciliations index'leri; işlemlerde mutabakat alanları",
+  async up(db) {
+    await AttachmentModel.createIndexes();
+    await ReconciliationModel.createIndexes();
+    const tx = db.collection("transactions");
+    // reconciledAt (hiç kullanılmadı) → hesap bazında reconciledAccountIds.
+    await tx.updateMany({ reconciledAt: { $exists: true } }, { $unset: { reconciledAt: "" } });
+    await tx.updateMany(
+      { reconciledAccountIds: { $exists: false } },
+      { $set: { reconciledAccountIds: [] } },
+    );
+    await tx.updateMany({ isAdjustment: { $exists: false } }, { $set: { isAdjustment: false } });
+  },
+};

scripts/migrations/005-recurring.ts

@@ -0,0 +1,17 @@
+import { RecurringRuleModel } from "@/models/recurring-rule";
+import { TransactionModel } from "@/models/transaction";
+import type { Migration } from "./types";
+
+export const migration: Migration = {
+  name: "005-recurring",
+  description: "recurringRules index'leri; işlemlerde tekrar alanları ve benzersiz tekrar index'i",
+  async up(db) {
+    const tx = db.collection("transactions");
+    await tx.updateMany(
+      { occurrenceIndex: { $exists: false } },
+      { $set: { occurrenceIndex: null, detached: false, isEstimate: false } },
+    );
+    await RecurringRuleModel.createIndexes();
+    await TransactionModel.createIndexes();
+  },
+};

scripts/migrations/006-card-statements.ts

@@ -0,0 +1,12 @@
+import { CardStatementModel } from "@/models/card-statement";
+import { TransactionModel } from "@/models/transaction";
+import type { Migration } from "./types";
+
+export const migration: Migration = {
+  name: "006-card-statements",
+  description: "statements (kart/KMH dönemleri) index'leri; taksit planı index'i",
+  async up() {
+    await CardStatementModel.createIndexes();
+    await TransactionModel.createIndexes();
+  },
+};

scripts/migrations/007-contacts.ts

@@ -0,0 +1,15 @@
+import { ContactModel } from "@/models/contact";
+import { TransactionModel } from "@/models/transaction";
+import type { Migration } from "./types";
+
+export const migration: Migration = {
+  name: "007-contacts",
+  description: "contacts index'leri; işlemlerde cari alanları ve cari index'i",
+  async up(db) {
+    await db
+      .collection("transactions")
+      .updateMany({ contactKind: { $exists: false } }, { $set: { contactKind: null } });
+    await ContactModel.createIndexes();
+    await TransactionModel.createIndexes();
+  },
+};

scripts/migrations/008-in-kind.ts

@@ -0,0 +1,18 @@
+import { AssetPriceModel } from "@/models/asset-price";
+import { InKindDebtModel } from "@/models/in-kind-debt";
+import type { Migration } from "./types";
+
+export const migration: Migration = {
+  name: "008-in-kind",
+  description: "assetPrices ve inKindDebts index'leri; işlemlerde aynî borç alanları",
+  async up(db) {
+    await db
+      .collection("transactions")
+      .updateMany(
+        { inKindDebtId: { $exists: false } },
+        { $set: { inKindDebtId: null, inKindRole: null } },
+      );
+    await AssetPriceModel.createIndexes();
+    await InKindDebtModel.createIndexes();
+  },
+};

scripts/migrations/009-assets.ts

@@ -0,0 +1,15 @@
+import { AssetModel } from "@/models/asset";
+import { AssetMovementModel } from "@/models/asset-movement";
+import type { Migration } from "./types";
+
+export const migration: Migration = {
+  name: "009-assets",
+  description: "assets ve assetMovements index'leri; işlemlerde varlık alanları",
+  async up(db) {
+    await db
+      .collection("transactions")
+      .updateMany({ assetId: { $exists: false } }, { $set: { assetId: null } });
+    await AssetModel.createIndexes();
+    await AssetMovementModel.createIndexes();
+  },
+};

scripts/migrations/index.ts

@@ -3,10 +3,16 @@ import { connectMongoose } from "@/lib/db/mongoose";
 import { migration as m001 } from "./001-initial-indexes";
 import { migration as m002 } from "./002-accounts-categories";
 import { migration as m003 } from "./003-transactions";
+import { migration as m004 } from "./004-attachments-reconciliation";
+import { migration as m005 } from "./005-recurring";
+import { migration as m006 } from "./006-card-statements";
+import { migration as m007 } from "./007-contacts";
+import { migration as m008 } from "./008-in-kind";
+import { migration as m009 } from "./009-assets";
 import type { Migration } from "./types";
 
 /** Sıralı migration listesi. Yeni migration: dosyayı ekle ve buraya sırayla ekle. */
-export const MIGRATIONS: Migration[] = [m001, m002, m003];
+export const MIGRATIONS: Migration[] = [m001, m002, m003, m004, m005, m006, m007, m008, m009];
 
 const COLLECTION = "migrations";
 

scripts/seed/assets.ts

@@ -0,0 +1,162 @@
+import type { Types } from "mongoose";
+import { addMovement, createAsset } from "@/features/assets/service";
+import { AccountModel } from "@/models/account";
+import { AssetModel } from "@/models/asset";
+import { AssetMovementModel } from "@/models/asset-movement";
+import { TransactionModel } from "@/models/transaction";
+import type { AssetKey } from "@/shared/assets";
+import { todayIstanbul } from "@/shared/dates";
+import type { MovementKind } from "@/shared/portfolio";
+import { addDays } from "@/shared/recurrence";
+import { assetFormSchema, movementFormSchema } from "@/shared/schemas/asset";
+
+/**
+ * Örnek varlıklar (Faz 9a). Tutarı boş alımlar fiyat tablosundaki örnek fiyatlardan (seedInKind
+ * önce çalışır) hesaplanır. İdempotent: varlık `seedRef` ile bir kez oluşturulur.
+ */
+
+type SeedMovement = {
+  kind: MovementKind;
+  daysAgo: number;
+  quantity: string;
+  amount?: string;
+  account?: string;
+  storage?: string;
+  note?: string;
+};
+
+type SeedAsset = {
+  ref: string;
+  household: string;
+  by: string;
+  assetKey: AssetKey;
+  name: string;
+  isPrivate?: boolean;
+  note?: string;
+  movements: SeedMovement[];
+};
+
+const monthly = (from: number, to: number): SeedMovement[] =>
+  Array.from({ length: to - from + 1 }, (_, i) => ({
+    kind: "buy" as const,
+    daysAgo: (to - i) * 30 + 2,
+    quantity: "1",
+    account: "Ziraat Maaş",
+    storage: "Ev kasası",
+  }));
+
+const ITEMS: SeedAsset[] = [
+  {
+    ref: "gram-altin",
+    household: "Çakır Ailesi",
+    by: "ayse",
+    assetKey: "gram_gold",
+    name: "Gram altın birikimi",
+    note: "Her ay maaştan 1 gr",
+    movements: [
+      {
+        kind: "buy",
+        daysAgo: 178,
+        quantity: "4",
+        account: "Birikim (Vadeli)",
+        storage: "Ev kasası",
+        note: "İlk alım",
+      },
+      ...monthly(1, 5),
+      { kind: "sell", daysAgo: 12, quantity: "2", account: "Birikim (Vadeli)", note: "Tatil için" },
+    ],
+  },
+  {
+    ref: "ziynet",
+    household: "Çakır Ailesi",
+    by: "admin",
+    assetKey: "quarter_gold",
+    name: "Düğün ziynetleri",
+    movements: [
+      {
+        kind: "gift_in",
+        daysAgo: 175,
+        quantity: "6",
+        storage: "Banka kiralık kasa",
+        note: "Düğün takıları",
+      },
+      { kind: "gift_out", daysAgo: 40, quantity: "1", note: "Yeğenin düğünü" },
+    ],
+  },
+  {
+    ref: "emre-dolar",
+    household: "Çakır Ailesi",
+    by: "emre",
+    assetKey: "usd",
+    name: "Dolar",
+    isPrivate: true,
+    movements: [
+      { kind: "buy", daysAgo: 120, quantity: "200", account: "Ziraat Maaş", storage: "Cüzdan" },
+    ],
+  },
+  {
+    ref: "bilezik",
+    household: "Annemler",
+    by: "fatma",
+    assetKey: "bracelet_22k",
+    name: "Bilezikler",
+    note: "Fiyat tablosunda bilezik fiyatı yok (örnek: fiyatsız varlık)",
+    movements: [{ kind: "gift_in", daysAgo: 160, quantity: "40", amount: "120.000" }],
+  },
+];
+
+export async function seedAssets(
+  householdIds: Map<string, Types.ObjectId>,
+  userIds: Map<string, string>,
+): Promise<number> {
+  const today = todayIstanbul();
+  let created = 0;
+  for (const x of ITEMS) {
+    const householdId = householdIds.get(x.household)!;
+    const seedRef = `asset:${x.ref}`;
+    if (await AssetModel.exists({ householdId, seedRef })) continue;
+    const by = userIds.get(x.by)!;
+    const hh = String(householdId);
+    const r = await createAsset(
+      by,
+      hh,
+      assetFormSchema.parse({
+        assetKey: x.assetKey,
+        name: x.name,
+        note: x.note ?? "",
+        isPrivate: x.isPrivate ?? false,
+      }),
+    );
+    if (!r.ok) throw new Error(`Seed varlığı oluşturulamadı (${x.ref}): ${r.error}`);
+    await AssetModel.updateOne({ _id: r.data.id }, { $set: { seedRef } });
+    for (const [i, m] of x.movements.entries()) {
+      const account = m.account
+        ? String((await AccountModel.findOne({ householdId, name: m.account }).lean())!._id)
+        : "";
+      const res = await addMovement(
+        by,
+        hh,
+        r.data.id,
+        movementFormSchema.parse({
+          kind: m.kind,
+          date: addDays(today, -m.daysAgo),
+          quantity: m.quantity,
+          amount: m.amount ?? "",
+          accountId: account,
+          storage: m.storage ?? "",
+          note: m.note ?? "",
+        }),
+      );
+      if (!res.ok) throw new Error(`Seed varlık hareketi eklenemedi (${x.ref}): ${res.error}`);
+      const ref = `${seedRef}:${i}`;
+      const mv = await AssetMovementModel.findOneAndUpdate(
+        { _id: res.data.id },
+        { $set: { seedRef: ref } },
+      ).lean();
+      if (mv?.transactionId)
+        await TransactionModel.updateOne({ _id: mv.transactionId }, { $set: { seedRef: ref } });
+    }
+    created++;
+  }
+  return created;
+}

scripts/seed/contacts.ts

@@ -0,0 +1,158 @@
+import type { Types } from "mongoose";
+import { createContact, createContactEntry } from "@/features/contacts/service";
+import { AccountModel } from "@/models/account";
+import { ContactModel } from "@/models/contact";
+import type { ContactEntryKind, ContactRelation } from "@/shared/contacts";
+import { todayIstanbul } from "@/shared/dates";
+import { formatMoneyInput } from "@/shared/money";
+import { addDays } from "@/shared/recurrence";
+import { contactEntrySchema, contactFormSchema } from "@/shared/schemas/contact";
+
+/**
+ * Örnek cariler (Faz 8a): vadesi yaklaşan alacak, kısmen ödenen borç, vadesi geçmiş küçük alacak
+ * ve "yalnızca ben" cari. İdempotent: cari `seedRef` ile; hareketler yalnızca cari ilk
+ * oluşturulduğunda eklenir.
+ */
+type SeedContact = {
+  ref: string;
+  household: string;
+  by: string;
+  name: string;
+  relation: ContactRelation;
+  phone?: string;
+  isPrivate?: boolean;
+  dueInDays?: number;
+  reminderDays?: number;
+  entries: {
+    kind: ContactEntryKind;
+    account: string;
+    amountMinor: number;
+    daysAgo: number;
+    description?: string;
+  }[];
+};
+
+const CONTACTS: SeedContact[] = [
+  {
+    ref: "ahmet",
+    household: "Çakır Ailesi",
+    by: "admin",
+    name: "Ahmet Yılmaz",
+    relation: "friend",
+    phone: "0532 000 00 01",
+    dueInDays: 5,
+    reminderDays: 7,
+    entries: [
+      {
+        kind: "lend",
+        account: "Ziraat Maaş",
+        amountMinor: 5_000_00,
+        daysAgo: 70,
+        description: "Araba tamiri için",
+      },
+      { kind: "collect", account: "Cüzdan", amountMinor: 2_000_00, daysAgo: 30 },
+    ],
+  },
+  {
+    ref: "hasan",
+    household: "Çakır Ailesi",
+    by: "admin",
+    name: "Hasan Çakır",
+    relation: "family",
+    dueInDays: 60,
+    entries: [
+      {
+        kind: "borrow",
+        account: "Ziraat Maaş",
+        amountMinor: 20_000_00,
+        daysAgo: 120,
+        description: "Ev eşyası için",
+      },
+      { kind: "repay", account: "Ziraat Maaş", amountMinor: 5_000_00, daysAgo: 60 },
+      { kind: "repay", account: "Ziraat Maaş", amountMinor: 5_000_00, daysAgo: 10 },
+    ],
+  },
+  {
+    ref: "elif",
+    household: "Çakır Ailesi",
+    by: "ayse",
+    name: "Elif (komşu)",
+    relation: "neighbor",
+    dueInDays: -2,
+    entries: [
+      {
+        kind: "lend",
+        account: "Cüzdan",
+        amountMinor: 300_00,
+        daysAgo: 12,
+        description: "Pazar alışverişi",
+      },
+    ],
+  },
+  {
+    ref: "selin",
+    household: "Çakır Ailesi",
+    by: "ayse",
+    name: "Selin (iş arkadaşı)",
+    relation: "work",
+    isPrivate: true,
+    entries: [{ kind: "lend", account: "Cüzdan", amountMinor: 1_000_00, daysAgo: 8 }],
+  },
+  {
+    ref: "ali",
+    household: "Annemler",
+    by: "fatma",
+    name: "Ali Demir",
+    relation: "family",
+    dueInDays: 45,
+    entries: [{ kind: "borrow", account: "Vakıfbank Emekli", amountMinor: 3_000_00, daysAgo: 25 }],
+  },
+];
+
+export async function seedContacts(
+  householdIds: Map<string, Types.ObjectId>,
+  userIds: Map<string, string>,
+): Promise<number> {
+  const today = todayIstanbul();
+  let created = 0;
+  for (const c of CONTACTS) {
+    const householdId = householdIds.get(c.household)!;
+    const seedRef = `contact:${c.ref}`;
+    if (await ContactModel.exists({ householdId, seedRef })) continue;
+    const by = userIds.get(c.by)!;
+    const oldest = Math.max(...c.entries.map((e) => e.daysAgo));
+    const r = await createContact(
+      by,
+      String(householdId),
+      contactFormSchema.parse({
+        name: c.name,
+        relation: c.relation,
+        phone: c.phone ?? "",
+        openingDate: addDays(today, -oldest - 1),
+        isPrivate: c.isPrivate ?? false,
+        dueDate: c.dueInDays !== undefined ? addDays(today, c.dueInDays) : null,
+        reminderDays: c.reminderDays ?? 3,
+      }),
+    );
+    if (!r.ok) throw new Error(`Seed carisi oluşturulamadı (${c.name}): ${r.error}`);
+    await ContactModel.updateOne({ _id: r.data.id }, { $set: { seedRef } });
+    for (const e of c.entries) {
+      const account = await AccountModel.findOne({ householdId, name: e.account }).lean();
+      const x = await createContactEntry(
+        by,
+        String(householdId),
+        r.data.id,
+        contactEntrySchema.parse({
+          kind: e.kind,
+          accountId: String(account!._id),
+          amount: formatMoneyInput(e.amountMinor),
+          date: addDays(today, -e.daysAgo),
+          description: e.description ?? "",
+        }),
+      );
+      if (!x.ok) throw new Error(`Seed cari hareketi oluşturulamadı (${c.name}): ${x.error}`);
+    }
+    created++;
+  }
+  return created;
+}

scripts/seed/in-kind.ts

@@ -0,0 +1,156 @@
+import type { Types } from "mongoose";
+import { addContribution, createInKind, savePrice } from "@/features/in-kind/service";
+import { AccountModel } from "@/models/account";
+import { AssetPriceModel } from "@/models/asset-price";
+import { ContactModel } from "@/models/contact";
+import { InKindDebtModel } from "@/models/in-kind-debt";
+import type { AssetKey } from "@/shared/assets";
+import { todayIstanbul } from "@/shared/dates";
+import { formatMoneyInput } from "@/shared/money";
+import { addDays, addMonths } from "@/shared/recurrence";
+import {
+  assetPriceFormSchema,
+  contributionSchema,
+  inKindFormSchema,
+} from "@/shared/schemas/in-kind";
+
+/**
+ * Örnek fiyat tablosu ve aynî kayıtlar (Faz 8b). Fiyatlar örnek amaçlıdır (gerçek piyasa verisi
+ * değildir): son 6 ay, ayda bir kayıt, doğrusal artış. İdempotent.
+ */
+
+/** [6 ay önceki alış, bugünkü alış, satış farkı] — birim başına kuruş. */
+const PRICE_PATH: Partial<Record<AssetKey, [number, number, number]>> = {
+  gram_gold: [4_900_00, 5_600_00, 100_00],
+  quarter_gold: [8_050_00, 9_200_00, 250_00],
+  usd: [40_20, 42_80, 30],
+  eur: [46_90, 49_50, 40],
+};
+
+async function seedPrices(householdId: Types.ObjectId, actorId: string, today: string) {
+  for (const [k, [from, to, spread]] of Object.entries(PRICE_PATH)) {
+    const key = k as AssetKey;
+    for (let i = 6; i >= 0; i--) {
+      const date = i === 0 ? today : addMonths(today, -i);
+      if (await AssetPriceModel.exists({ householdId, assetKey: key, date })) continue;
+      const buy = Math.round(to - ((to - from) * i) / 6);
+      await savePrice(
+        actorId,
+        String(householdId),
+        assetPriceFormSchema.parse({
+          assetKey: key,
+          date,
+          buy: formatMoneyInput(buy),
+          sell: formatMoneyInput(buy + spread),
+        }),
+      );
+    }
+  }
+}
+
+type SeedInKind = {
+  ref: string;
+  household: string;
+  contact: string;
+  by: string;
+  direction: "debt" | "receivable";
+  assetKey: AssetKey;
+  quantity: string;
+  daysAgo: number;
+  note?: string;
+  savings?: string;
+  monthlyPlanMinor?: number;
+  contributions?: { from: string; amountMinor: number; daysAgo: number }[];
+};
+
+const ITEMS: SeedInKind[] = [
+  {
+    ref: "hasan-altin",
+    household: "Çakır Ailesi",
+    contact: "contact:hasan",
+    by: "admin",
+    direction: "debt",
+    assetKey: "gram_gold",
+    quantity: "5",
+    daysAgo: 95,
+    note: "Düğün için ödünç alınan altın",
+    savings: "Birikim (Vadeli)",
+    monthlyPlanMinor: 4_000_00,
+    contributions: [
+      { from: "Ziraat Maaş", amountMinor: 4_000_00, daysAgo: 60 },
+      { from: "Ziraat Maaş", amountMinor: 4_000_00, daysAgo: 30 },
+    ],
+  },
+  {
+    ref: "elif-usd",
+    household: "Çakır Ailesi",
+    contact: "contact:elif",
+    by: "ayse",
+    direction: "receivable",
+    assetKey: "usd",
+    quantity: "100",
+    daysAgo: 40,
+  },
+  {
+    ref: "ali-ceyrek",
+    household: "Annemler",
+    contact: "contact:ali",
+    by: "fatma",
+    direction: "receivable",
+    assetKey: "quarter_gold",
+    quantity: "2",
+    daysAgo: 150,
+    note: "Torun doğumunda verilen çeyrekler",
+  },
+];
+
+export async function seedInKind(
+  householdIds: Map<string, Types.ObjectId>,
+  userIds: Map<string, string>,
+): Promise<number> {
+  const today = todayIstanbul();
+  await seedPrices(householdIds.get("Çakır Ailesi")!, userIds.get("admin")!, today);
+  await seedPrices(householdIds.get("Annemler")!, userIds.get("fatma")!, today);
+  let created = 0;
+  for (const x of ITEMS) {
+    const householdId = householdIds.get(x.household)!;
+    const seedRef = `inkind:${x.ref}`;
+    if (await InKindDebtModel.exists({ householdId, seedRef })) continue;
+    const contact = await ContactModel.findOne({ householdId, seedRef: x.contact }).lean();
+    if (!contact) continue;
+    const account = async (name: string) =>
+      String((await AccountModel.findOne({ householdId, name }).lean())!._id);
+    const by = userIds.get(x.by)!;
+    const r = await createInKind(
+      by,
+      String(householdId),
+      String(contact._id),
+      inKindFormSchema.parse({
+        direction: x.direction,
+        assetKey: x.assetKey,
+        quantity: x.quantity,
+        date: addDays(today, -x.daysAgo),
+        note: x.note ?? "",
+        savingsAccountId: x.savings ? await account(x.savings) : "",
+        monthlyPlan: x.monthlyPlanMinor ? formatMoneyInput(x.monthlyPlanMinor) : "",
+      }),
+    );
+    if (!r.ok) throw new Error(`Seed aynî kaydı oluşturulamadı (${x.ref}): ${r.error}`);
+    await InKindDebtModel.updateOne({ _id: r.data.id }, { $set: { seedRef } });
+    for (const c of x.contributions ?? []) {
+      const res = await addContribution(
+        by,
+        String(householdId),
+        r.data.id,
+        contributionSchema.parse({
+          fromAccountId: await account(c.from),
+          amount: formatMoneyInput(c.amountMinor),
+          date: addDays(today, -c.daysAgo),
+        }),
+      );
+      if (!res.ok) throw new Error(`Seed birikimi oluşturulamadı (${x.ref}): ${res.error}`);
+    }
+    created++;
+  }
+  return created;
+}

scripts/seed/installments.ts

@@ -0,0 +1,68 @@
+import type { Types } from "mongoose";
+import { createTransaction } from "@/features/transactions/service";
+import { AccountModel } from "@/models/account";
+import { CategoryModel } from "@/models/category";
+import { TransactionModel } from "@/models/transaction";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+
+/**
+ * Örnek taksitli kart harcamaları (Faz 7b): bir kısmı gerçekleşmiş, kalanı planlı taksitler.
+ * İdempotent: aynı satıcıyla taksit planı varsa atlanır.
+ */
+const PURCHASES = [
+  {
+    payee: "Hepsiburada",
+    description: "Çamaşır makinesi",
+    amountMinor: 18_000_00,
+    count: 9,
+    daysAgo: 75,
+    category: "ev",
+    by: "admin",
+  },
+  {
+    payee: "Teknosa",
+    description: "Telefon",
+    amountMinor: 12_000_00,
+    count: 6,
+    daysAgo: 20,
+    category: "diger-gider",
+    by: "emre",
+  },
+];
+
+export async function seedInstallments(
+  householdId: Types.ObjectId,
+  userIds: Map<string, string>,
+): Promise<number> {
+  const today = todayIstanbul();
+  const card = await AccountModel.findOne({ householdId, name: "Garanti Bonus" }).lean();
+  if (!card) return 0;
+  let created = 0;
+  for (const p of PURCHASES) {
+    const exists = await TransactionModel.exists({
+      householdId,
+      payeeName: p.payee,
+      "installment.planId": { $type: "objectId" },
+    });
+    if (exists) continue;
+    const category = await CategoryModel.findOne({ householdId, defaultKey: p.category }).lean();
+    const r = await createTransaction(userIds.get(p.by)!, String(householdId), {
+      type: "expense",
+      amount: p.amountMinor,
+      date: addDays(today, -p.daysAgo),
+      accountId: String(card._id),
+      toAccountId: null,
+      categoryId: String(category!._id),
+      splits: [],
+      payee: p.payee,
+      description: p.description,
+      tags: [],
+      installments: p.count,
+      attachmentIds: [],
+    });
+    if (!r.ok) throw new Error(`Seed taksiti oluşturulamadı (${p.payee}): ${r.error}`);
+    created++;
+  }
+  return created;
+}

scripts/seed/recurring.ts

@@ -0,0 +1,201 @@
+import type { Types } from "mongoose";
+import { createRule } from "@/features/recurring/service";
+import { AccountModel } from "@/models/account";
+import { CategoryModel } from "@/models/category";
+import { RecurringRuleModel } from "@/models/recurring-rule";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays, addMonths } from "@/shared/recurrence";
+import { recurringRuleFormSchema, type RecurringRuleFormInput } from "@/shared/schemas/recurring";
+import { formatMoneyInput } from "@/shared/money";
+
+/**
+ * Örnek düzenli işlemler (Faz 7a). Seed işlemleri bugüne kadarki günleri doldurur; kurallar bir
+ * sonraki gerçekleşme gününden başlar (çakışma yok). "Spor salonu" kasıtlı olarak 3 gün önce
+ * başlar: vadesi geçmiş planlı kayıt örneği. İdempotent (`seedRef`).
+ */
+type SeedRule = {
+  ref: string;
+  by: string;
+  type: "income" | "expense" | "transfer";
+  amountMinor: number;
+  account: string;
+  category?: string;
+  payee: string;
+  /** Ayın günü (bir sonraki gerçekleşme) veya bugüne göre gün farkı. */
+  day?: number;
+  offsetDays?: number;
+  isEstimate?: boolean;
+  count?: number;
+};
+
+const RULES: Record<string, SeedRule[]> = {
+  "Çakır Ailesi": [
+    {
+      ref: "maas",
+      by: "admin",
+      type: "income",
+      amountMinor: 52_000_00,
+      account: "Ziraat Maaş",
+      category: "maas",
+      payee: "Anadolu Yazılım A.Ş.",
+      day: 15,
+    },
+    {
+      ref: "kira",
+      by: "admin",
+      type: "expense",
+      amountMinor: 17_500_00,
+      account: "Ziraat Maaş",
+      category: "kira",
+      payee: "Ev sahibi",
+      day: 3,
+    },
+    {
+      ref: "aidat",
+      by: "admin",
+      type: "expense",
+      amountMinor: 1_250_00,
+      account: "Ziraat Maaş",
+      category: "aidat",
+      payee: "Site yönetimi",
+      day: 5,
+    },
+    {
+      ref: "elektrik",
+      by: "ayse",
+      type: "expense",
+      amountMinor: 1_200_00,
+      account: "Ziraat Maaş",
+      category: "faturalar.elektrik",
+      payee: "Enerjisa",
+      day: 10,
+      isEstimate: true,
+    },
+    {
+      ref: "su",
+      by: "ayse",
+      type: "expense",
+      amountMinor: 450_00,
+      account: "Ziraat Maaş",
+      category: "faturalar.su",
+      payee: "İSKİ",
+      day: 12,
+      isEstimate: true,
+    },
+    {
+      ref: "dogalgaz",
+      by: "ayse",
+      type: "expense",
+      amountMinor: 2_500_00,
+      account: "Ziraat Maaş",
+      category: "faturalar.dogalgaz",
+      payee: "İGDAŞ",
+      day: 14,
+      isEstimate: true,
+    },
+    {
+      ref: "internet",
+      by: "admin",
+      type: "expense",
+      amountMinor: 499_90,
+      account: "Garanti Bonus",
+      category: "faturalar.internet",
+      payee: "Türk Telekom",
+      day: 20,
+    },
+    {
+      ref: "netflix",
+      by: "admin",
+      type: "expense",
+      amountMinor: 229_99,
+      account: "Garanti Bonus",
+      category: "abonelikler",
+      payee: "Netflix",
+      day: 8,
+    },
+    {
+      ref: "spor",
+      by: "emre",
+      type: "expense",
+      amountMinor: 1_250_00,
+      account: "Garanti Bonus",
+      category: "eglence",
+      payee: "Spor salonu",
+      offsetDays: -3,
+      count: 12,
+    },
+  ],
+  Annemler: [
+    {
+      ref: "emekli",
+      by: "fatma",
+      type: "income",
+      amountMinor: 24_350_00,
+      account: "Vakıfbank Emekli",
+      category: "maas",
+      payee: "SGK",
+      day: 17,
+    },
+    {
+      ref: "elektrik",
+      by: "fatma",
+      type: "expense",
+      amountMinor: 700_00,
+      account: "Vakıfbank Emekli",
+      category: "faturalar.elektrik",
+      payee: "Enerjisa",
+      day: 11,
+      isEstimate: true,
+    },
+  ],
+};
+
+/** Bugünden sonraki ilk "ayın N. günü". */
+function nextMonthDay(today: string, day: number): string {
+  const thisMonth = addMonths(today, 0, day);
+  return thisMonth > today ? thisMonth : addMonths(today, 1, day);
+}
+
+export async function seedRecurring(
+  householdIds: Map<string, Types.ObjectId>,
+  userIds: Map<string, string>,
+): Promise<number> {
+  const today = todayIstanbul();
+  let created = 0;
+  for (const [household, rules] of Object.entries(RULES)) {
+    const householdId = householdIds.get(household)!;
+    const [accounts, categories] = await Promise.all([
+      AccountModel.find({ householdId }).select({ name: 1 }).lean(),
+      CategoryModel.find({ householdId, defaultKey: { $ne: null } })
+        .select({ defaultKey: 1 })
+        .lean(),
+    ]);
+    for (const r of rules) {
+      const seedRef = `rule:${r.ref}`;
+      if (await RecurringRuleModel.exists({ householdId, seedRef })) continue;
+      const input: RecurringRuleFormInput = {
+        type: r.type,
+        amount: formatMoneyInput(r.amountMinor),
+        isEstimate: r.isEstimate ?? false,
+        accountId: String(accounts.find((a) => a.name === r.account)!._id),
+        categoryId: r.category
+          ? String(categories.find((c) => c.defaultKey === r.category)!._id)
+          : null,
+        payee: r.payee,
+        startDate: r.day ? nextMonthDay(today, r.day) : addDays(today, r.offsetDays ?? 0),
+        frequency: "monthly",
+        endKind: r.count ? "count" : "never",
+        count: r.count ?? null,
+      };
+      const result = await createRule(
+        userIds.get(r.by)!,
+        String(householdId),
+        recurringRuleFormSchema.parse(input),
+      );
+      if (!result.ok) throw new Error(`Seed kuralı oluşturulamadı (${seedRef}): ${result.error}`);
+      await RecurringRuleModel.updateOne({ _id: result.data.id }, { $set: { seedRef } });
+      created++;
+    }
+  }
+  return created;
+}

scripts/seed/run.int.test.ts

@@ -32,6 +32,7 @@ describe("seed", () => {
     expect(summary.created.categories).toBeGreaterThan(40);
     expect(summary.created.accounts).toBe(7);
     expect(summary.created.transactions).toBeGreaterThan(150);
+    expect(summary.created.assets).toBe(4);
     expect(await getDb().collection("user").countDocuments()).toBe(SEED_USERS.length + 1);
     expect(await HouseholdMemberModel.countDocuments()).toBe(memberCount);
   });
@@ -45,11 +46,31 @@ describe("seed", () => {
       categories: 0,
       accounts: 0,
       transactions: 0,
+      recurringRules: 0,
+      installmentPlans: 0,
+      contacts: 0,
+      inKind: 0,
+      assets: 0,
     });
     expect(await getDb().collection("user").countDocuments()).toBe(SEED_USERS.length + 1);
     expect(await HouseholdModel.countDocuments()).toBe(SEED_HOUSEHOLDS.length);
   });
 
+  it("aynı aydaki transferlerin hepsi oluşur (seedRef çakışması yok)", async () => {
+    const tx = getDb().collection("transactions");
+    const months = new Set(
+      (await tx.find({ description: "ATM" }).toArray()).map((t) => t.seedRef.split(":")[1]),
+    );
+    expect(months.size).toBeGreaterThanOrEqual(5);
+    // Her ay ATM'nin yanında kart ödemesi ve birikim de var (ayın 7'si geçmişse).
+    expect(await tx.countDocuments({ description: "Kart borcu ödemesi" })).toBeGreaterThanOrEqual(
+      months.size - 1,
+    );
+    expect(await tx.countDocuments({ description: "Aylık birikim" })).toBeGreaterThanOrEqual(
+      months.size - 1,
+    );
+  });
+
   it("roller ve askı durumu doğru", async () => {
     const users = await getDb()
       .collection("user")

scripts/seed/run.ts

@@ -3,12 +3,18 @@ import { getAuth } from "@/lib/auth";
 import { getDb } from "@/lib/db/mongo";
 import { connectMongoose } from "@/lib/db/mongoose";
 import { env } from "@/lib/env";
+import { getStorage } from "@/lib/storage";
 import { installDefaultCategories } from "@/features/categories/service";
 import { AccountModel } from "@/models/account";
 import { HouseholdModel } from "@/models/household";
 import { HouseholdMemberModel } from "@/models/household-member";
 import { storedEmail } from "@/shared/account-email";
 import { runMigrations } from "../migrations";
+import { seedContacts } from "./contacts";
+import { seedAssets } from "./assets";
+import { seedInKind } from "./in-kind";
+import { seedInstallments } from "./installments";
+import { seedRecurring } from "./recurring";
 import { seedTransactions } from "./transactions";
 import {
   ADMIN_USERNAME,
@@ -42,6 +48,11 @@ export type SeedSummary = {
     categories: number;
     accounts: number;
     transactions: number;
+    recurringRules: number;
+    installmentPlans: number;
+    contacts: number;
+    inKind: number;
+    assets: number;
   };
   accounts: SeedAccountRow[];
 };
@@ -53,6 +64,17 @@ const DOMAIN_COLLECTIONS = [
   "auditLogs",
   "categories",
   "accounts",
+  "transactions",
+  "payees",
+  "attachments",
+  "reconciliations",
+  "recurringRules",
+  "statements",
+  "contacts",
+  "assetPrices",
+  "inKindDebts",
+  "assets",
+  "assetMovements",
 ];
 
 type AuthApi = ReturnType<typeof getAuth>["api"];
@@ -102,11 +124,24 @@ export async function runSeed({
       categories: 0,
       accounts: 0,
       transactions: 0,
+      recurringRules: 0,
+      installmentPlans: 0,
+      contacts: 0,
+      inKind: 0,
+      assets: 0,
     },
     accounts: [],
   };
 
   if (reset) {
+    // Ek dosyaların diskteki kopyaları da silinsin (yetim dosya kalmasın).
+    const storage = getStorage();
+    for await (const a of db
+      .collection("attachments")
+      .find({}, { projection: { storageKey: 1, thumbKey: 1 } })) {
+      await storage.delete(String(a.storageKey));
+      if (a.thumbKey) await storage.delete(String(a.thumbKey));
+    }
     for (const name of [...AUTH_COLLECTIONS, ...DOMAIN_COLLECTIONS]) {
       await db.collection(name).deleteMany({});
     }
@@ -259,6 +294,21 @@ export async function runSeed({
   const userIdMap = new Map([...ids.entries()]);
   summary.created.transactions = await seedTransactions(householdIds, userIdMap);
   if (summary.created.transactions) log(`✓ Örnek işlemler: ${summary.created.transactions}`);
+  summary.created.recurringRules = await seedRecurring(householdIds, userIdMap);
+  if (summary.created.recurringRules)
+    log(`✓ Örnek düzenli işlemler: ${summary.created.recurringRules}`);
+  summary.created.installmentPlans = await seedInstallments(
+    householdIds.get("Çakır Ailesi")!,
+    userIdMap,
+  );
+  if (summary.created.installmentPlans)
+    log(`✓ Örnek taksitli alışverişler: ${summary.created.installmentPlans}`);
+  summary.created.contacts = await seedContacts(householdIds, userIdMap);
+  if (summary.created.contacts) log(`✓ Örnek cariler: ${summary.created.contacts}`);
+  summary.created.inKind = await seedInKind(householdIds, userIdMap);
+  if (summary.created.inKind) log(`✓ Örnek aynî kayıtlar ve fiyatlar: ${summary.created.inKind}`);
+  summary.created.assets = await seedAssets(householdIds, userIdMap);
+  if (summary.created.assets) log(`✓ Örnek varlıklar: ${summary.created.assets}`);
 
   // 7) Geliştirme hesapları tablosu
   const all = [

scripts/seed/transactions.ts

@@ -166,7 +166,8 @@ function cakirAiles(): SeedTx[] {
       by: "emre",
     });
 
-    // Transferler: nakit çekme, kart ödemesi, birikim.
+    // Transferler: nakit çekme, kart ödemesi, birikim. Satıcı/kategori olmadığından seedRef
+    // türden üretilir; çakışmasın diye sıra numarası verilir (ATM 0 — mevcut veriyle uyumlu).
     add({
       type: "transfer",
       ymd: d(2),
@@ -176,24 +177,31 @@ function cakirAiles(): SeedTx[] {
       description: "ATM",
       by: "admin",
     });
-    add({
-      type: "transfer",
-      ymd: d(9),
-      amountMinor: tl(11_000, 15_000),
-      account: "Ziraat Maaş",
-      toAccount: "Garanti Bonus",
-      description: "Kart borcu ödemesi",
-      by: "admin",
-    });
-    add({
-      type: "transfer",
-      ymd: d(16),
-      amountMinor: 5_000_00,
-      account: "Ziraat Maaş",
-      toAccount: "Birikim (Vadeli)",
-      description: "Aylık birikim",
-      by: "ayse",
-    });
+    add(
+      {
+        type: "transfer",
+        // Kesim 29, son ödeme ~8: ödeme son ödeme gününden önce.
+        ymd: d(7),
+        amountMinor: tl(11_000, 15_000),
+        account: "Ziraat Maaş",
+        toAccount: "Garanti Bonus",
+        description: "Kart borcu ödemesi",
+        by: "admin",
+      },
+      1,
+    );
+    add(
+      {
+        type: "transfer",
+        ymd: d(16),
+        amountMinor: 5_000_00,
+        account: "Ziraat Maaş",
+        toAccount: "Birikim (Vadeli)",
+        description: "Aylık birikim",
+        by: "ayse",
+      },
+      2,
+    );
 
     // Market: haftada 1–2; bir kısmı bölünmüş.
     const marketCount = faker.number.int({ min: 6, max: 8 });

src/app/(app)/birikim/[id]/page.tsx

@@ -0,0 +1,36 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { AssetDetailView } from "@/features/assets/components/asset-detail-view";
+import { PeriodReportView } from "@/features/assets/components/period-report";
+import {
+  getAsset,
+  getPeriodReport,
+  REPORT_RANGES,
+  type ReportRange,
+} from "@/features/assets/service";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+
+export const metadata: Metadata = { title: tr.assets.history };
+
+/** /birikim/:id — varlık hareketleri ve dönemsel rapor (gizli varlık yalnızca sahibine; aksi 404). */
+export default async function AssetPage({ params, searchParams }: PageProps<"/birikim/[id]">) {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const { id } = await params;
+  const donem = (await searchParams).donem;
+  const range: ReportRange = REPORT_RANGES.includes(donem as ReportRange)
+    ? (donem as ReportRange)
+    : "6";
+  const [data, report] = await Promise.all([
+    getAsset(user.id, household.id, id),
+    getPeriodReport(user.id, household.id, range, id),
+  ]);
+  if (!data || !report) notFound();
+  return (
+    <AssetDetailView
+      key={id}
+      data={data}
+      report={<PeriodReportView report={report} range={range} basePath={`/birikim/${id}`} />}
+    />
+  );
+}

src/app/(app)/birikim/page.tsx

@@ -0,0 +1,46 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { PageHeader } from "@/components/page-header";
+import { AssetsView } from "@/features/assets/components/assets-view";
+import { PeriodReportView } from "@/features/assets/components/period-report";
+import {
+  getPeriodReport,
+  listAssets,
+  REPORT_RANGES,
+  type ReportRange,
+} from "@/features/assets/service";
+import { NetWorthCard } from "@/features/net-worth/components/net-worth-card";
+import { getNetWorth } from "@/features/net-worth/service";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+
+export const metadata: Metadata = { title: tr.assets.title };
+
+function parseRange(value: string | string[] | undefined): ReportRange {
+  return REPORT_RANGES.includes(value as ReportRange) ? (value as ReportRange) : "6";
+}
+
+/** /birikim — net varlık, varlıklar (ortalama maliyet, K/Z) ve dönemsel rapor. */
+export default async function AssetsPage({ searchParams }: PageProps<"/birikim">) {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const range = parseRange((await searchParams).donem);
+  const [data, report, netWorth] = await Promise.all([
+    listAssets(user.id, household.id),
+    getPeriodReport(user.id, household.id, range),
+    getNetWorth(user.id, household.id),
+  ]);
+  if (!data || !report || !netWorth) notFound();
+  return (
+    <>
+      <PageHeader title={tr.assets.title} description={tr.assets.description} />
+      <section aria-labelledby="net-worth-title" className="flex flex-col gap-2">
+        <h2 id="net-worth-title" className="text-base font-medium">
+          {tr.assets.netWorth.title}
+        </h2>
+        <NetWorthCard data={netWorth} />
+      </section>
+      <AssetsView items={data.items} totals={data.totals} canWrite={data.canWrite} />
+      <PeriodReportView report={report} range={range} basePath="/birikim" />
+    </>
+  );
+}

src/app/(app)/cari/[id]/page.tsx

@@ -0,0 +1,21 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { ContactStatementView } from "@/features/contacts/components/contact-statement-view";
+import { getContactStatement } from "@/features/contacts/service";
+import { listInKind } from "@/features/in-kind/service";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+
+export const metadata: Metadata = { title: tr.contacts.statement };
+
+/** /cari/:id — cari ekstresi (gizli cari yalnızca sahibine; aksi 404). */
+export default async function ContactPage({ params }: PageProps<"/cari/[id]">) {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const { id } = await params;
+  const [data, inKind] = await Promise.all([
+    getContactStatement(user.id, household.id, id),
+    listInKind(user.id, household.id, id),
+  ]);
+  if (!data) notFound();
+  return <ContactStatementView key={id} data={data} inKind={inKind ?? []} />;
+}

src/app/(app)/cari/page.tsx

@@ -0,0 +1,30 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { PageHeader } from "@/components/page-header";
+import { ContactsView } from "@/features/contacts/components/contacts-view";
+import { listContacts } from "@/features/contacts/service";
+import { openInKindByContact } from "@/features/in-kind/service";
+import { hasHouseholdRole } from "@/features/households/roles";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+
+export const metadata: Metadata = { title: tr.contacts.title };
+
+export default async function ContactsPage() {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const [data, inKind] = await Promise.all([
+    listContacts(user.id, household.id),
+    openInKindByContact(user.id, household.id),
+  ]);
+  if (!data) notFound();
+  return (
+    <>
+      <PageHeader title={tr.contacts.title} description={tr.contacts.description} />
+      <ContactsView
+        data={data}
+        inKind={Object.fromEntries(inKind)}
+        canWrite={hasHouseholdRole(household.role, "member")}
+      />
+    </>
+  );
+}

src/app/(app)/dashboard/page.tsx

@@ -1,8 +1,12 @@
 import type { Metadata } from "next";
+import Link from "next/link";
 import { Suspense } from "react";
 import { PageHeader } from "@/components/page-header";
 import { Card, CardContent, CardDescription, CardHeader, CardTitle } from "@/components/ui/card";
 import { SummaryCardsSkeleton } from "@/features/dashboard/components/summary-cards-skeleton";
+import { ContactsDueBanner } from "@/features/contacts/components/due-banner";
+import { getNetWorth } from "@/features/net-worth/service";
+import { OverdueBanner } from "@/features/recurring/components/overdue-banner";
 import { tr } from "@/i18n/tr";
 import { requireActiveHousehold } from "@/lib/dal";
 import { cn } from "@/lib/utils";
@@ -14,22 +18,27 @@ type SummaryCard = {
   key: keyof typeof tr.dashboard.cards;
   tone?: string;
   amountMinor: number | null;
+  href?: string;
 };
 
-/** FAZ 14: gerçek özet verisi (gelir, gider, bakiye, kart borcu, net varlık). */
-async function getSummary(): Promise<SummaryCard[]> {
+/**
+ * Özet kartları. Bakiye, kart borcu ve net varlık gerçek (Faz 9); bu ayın gelir/gider/kalan
+ * kartları Faz 14'te dolar.
+ */
+async function getSummary(userId: string, householdId: string): Promise<SummaryCard[]> {
+  const nw = await getNetWorth(userId, householdId);
   return [
     { key: "monthIncome", tone: "text-income", amountMinor: null },
     { key: "monthExpense", tone: "text-expense", amountMinor: null },
     { key: "monthRemaining", tone: "text-budget", amountMinor: null },
-    { key: "totalBalance", amountMinor: null },
-    { key: "cardDebt", tone: "text-expense", amountMinor: null },
-    { key: "netWorth", amountMinor: null },
+    { key: "totalBalance", amountMinor: nw?.accountsMinor ?? null, href: "/hesaplar" },
+    { key: "cardDebt", tone: "text-expense", amountMinor: nw?.cardDebtMinor ?? null },
+    { key: "netWorth", amountMinor: nw?.totalMinor ?? null, href: "/birikim" },
   ];
 }
 
-async function SummaryCards() {
-  const cards = await getSummary();
+async function SummaryCards({ userId, householdId }: { userId: string; householdId: string }) {
+  const cards = await getSummary(userId, householdId);
   return (
     <div className="grid grid-cols-2 gap-3 lg:grid-cols-3 xl:grid-cols-6">
       {cards.map((c) => (
@@ -37,7 +46,15 @@ async function SummaryCards() {
           <CardHeader>
             <CardDescription>{tr.dashboard.cards[c.key]}</CardDescription>
             <CardTitle className={cn("text-lg tabular-nums", c.tone)}>
-              {c.amountMinor === null ? "—" : formatMoney(c.amountMinor)}
+              {c.amountMinor === null ? (
+                "—"
+              ) : c.href ? (
+                <Link href={c.href} className="hover:underline">
+                  {formatMoney(c.amountMinor)}
+                </Link>
+              ) : (
+                formatMoney(c.amountMinor)
+              )}
             </CardTitle>
           </CardHeader>
           {c.amountMinor === null ? (
@@ -59,8 +76,14 @@ export default async function DashboardPage() {
         title={tr.dashboard.welcome(user.name.split(" ")[0] ?? user.name)}
         description={`${household.name} · ${tr.dashboard.welcomeDescription}`}
       />
+      <Suspense fallback={null}>
+        <OverdueBanner userId={user.id} householdId={household.id} />
+      </Suspense>
+      <Suspense fallback={null}>
+        <ContactsDueBanner userId={user.id} householdId={household.id} />
+      </Suspense>
       <Suspense fallback={<SummaryCardsSkeleton />}>
-        <SummaryCards />
+        <SummaryCards userId={user.id} householdId={household.id} />
       </Suspense>
     </>
   );

src/app/(app)/fiyatlar/page.tsx

@@ -0,0 +1,22 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { PageHeader } from "@/components/page-header";
+import { PricesView } from "@/features/in-kind/components/prices-view";
+import { listPrices } from "@/features/in-kind/service";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+
+export const metadata: Metadata = { title: tr.prices.title };
+
+/** /fiyatlar — altın ve döviz fiyat tablosu (elle; Faz 9 varlık takibi de kullanır). */
+export default async function PricesPage() {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const data = await listPrices(user.id, household.id);
+  if (!data) notFound();
+  return (
+    <>
+      <PageHeader title={tr.prices.title} description={tr.prices.description} />
+      <PricesView rows={data.rows} canWrite={data.canWrite} />
+    </>
+  );
+}

src/app/(app)/hesaplar/[id]/page.tsx

@@ -0,0 +1,42 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { hasHouseholdRole } from "@/features/households/roles";
+import { StatementView } from "@/features/transactions/components/statement-view";
+import { getCardSummary, getOverdraftSummary } from "@/features/transactions/card";
+import { currentMonth, getAccountStatement } from "@/features/transactions/statement";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+import { MONTH_PATTERN } from "@/shared/statement";
+
+export const metadata: Metadata = { title: tr.statement.title };
+
+/** /hesaplar/:id?ay=2026-11 — aylık hesap ekstresi (yürüyen bakiye) ve mutabakat. */
+export default async function AccountStatementPage({
+  params,
+  searchParams,
+}: PageProps<"/hesaplar/[id]">) {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const [{ id }, sp] = await Promise.all([params, searchParams]);
+  const now = currentMonth();
+  const requested = typeof sp.ay === "string" && MONTH_PATTERN.test(sp.ay) ? sp.ay : now;
+  const month = requested > now ? now : requested;
+  const statement = await getAccountStatement(user.id, household.id, id, month);
+  if (!statement) notFound();
+  const [card, overdraft] = await Promise.all([
+    statement.account.type === "credit_card"
+      ? getCardSummary(user.id, household.id, id)
+      : Promise.resolve(null),
+    statement.account.type === "bank"
+      ? getOverdraftSummary(user.id, household.id, id)
+      : Promise.resolve(null),
+  ]);
+  return (
+    <StatementView
+      key={`${id}-${month}`}
+      statement={statement}
+      card={card}
+      overdraft={overdraft}
+      canWrite={hasHouseholdRole(household.role, "member")}
+    />
+  );
+}

src/app/(app)/planli/page.tsx

@@ -0,0 +1,22 @@
+import type { Metadata } from "next";
+import { notFound } from "next/navigation";
+import { PageHeader } from "@/components/page-header";
+import { hasHouseholdRole } from "@/features/households/roles";
+import { PlannedView } from "@/features/recurring/components/planned-view";
+import { getPlannedOverview } from "@/features/recurring/service";
+import { tr } from "@/i18n/tr";
+import { requireActiveHousehold } from "@/lib/dal";
+
+export const metadata: Metadata = { title: tr.recurring.title };
+
+export default async function PlannedPage() {
+  const { user, household } = await requireActiveHousehold("viewer");
+  const data = await getPlannedOverview(user.id, household.id);
+  if (!data) notFound();
+  return (
+    <>
+      <PageHeader title={tr.recurring.title} description={tr.recurring.description} />
+      <PlannedView data={data} canWrite={hasHouseholdRole(household.role, "member")} />
+    </>
+  );
+}

src/app/api/files/[id]/route.ts

@@ -0,0 +1,49 @@
+import type { NextRequest } from "next/server";
+import { readAttachmentForUser } from "@/features/attachments/service";
+import { getCurrentUser } from "@/lib/dal";
+
+/**
+ * GET /api/files/:id[?v=thumb][&indir=1] — oturum ve hane yetkisi kontrol edilerek ek dosyayı
+ * servis eder. Erişim yoksa (başka hane, gizli hesap, silinmiş kayıt) 404: varlık sızdırılmaz.
+ */
+export async function GET(request: NextRequest, ctx: RouteContext<"/api/files/[id]">) {
+  const user = await getCurrentUser();
+  if (!user) return new Response(null, { status: 401 });
+  const { id } = await ctx.params;
+  const params = request.nextUrl.searchParams;
+  const file = await readAttachmentForUser(
+    user.id,
+    id,
+    params.get("v") === "thumb" ? "thumb" : "full",
+  );
+  if (!file) return new Response(null, { status: 404 });
+
+  const disposition = params.get("indir") === "1" ? "attachment" : "inline";
+  const fallbackName = file.mimeType === "application/pdf" ? "belge.pdf" : "gorsel.webp";
+  const name = toServedName(file.name || fallbackName, file.mimeType);
+  return new Response(new Uint8Array(file.bytes), {
+    headers: {
+      "Content-Type": file.mimeType,
+      "Content-Length": String(file.bytes.length),
+      "Content-Disposition": `${disposition}; filename="${asciiName(name)}"; filename*=UTF-8''${encodeURIComponent(name)}`,
+      // Yalnızca kullanıcının tarayıcısında; paylaşılan önbelleklere girmez.
+      "Cache-Control": "private, max-age=3600",
+      "X-Content-Type-Options": "nosniff",
+    },
+  });
+}
+
+/** Görseller WebP'ye çevrildiği için indirilen adın uzantısı içerikle uyumlu olsun. */
+function toServedName(name: string, mimeType: string): string {
+  const ext = mimeType === "application/pdf" ? ".pdf" : ".webp";
+  return name.replace(/\.[a-z0-9]{1,5}$/i, "") + ext;
+}
+
+function asciiName(name: string): string {
+  return (
+    name
+      .normalize("NFKD")
+      .replace(/[^\x20-\x7e]/g, "")
+      .replace(/["\\]/g, "") || "dosya"
+  );
+}

src/app/api/files/route.ts

@@ -0,0 +1,53 @@
+import { uploadAttachment } from "@/features/attachments/service";
+import { tr } from "@/i18n/tr";
+import { fail } from "@/lib/action-result";
+import { getHouseholdActionContext } from "@/lib/dal";
+import { env } from "@/lib/env";
+
+/** Multipart başlıkları için tolerans. */
+const MULTIPART_OVERHEAD = 64 * 1024;
+
+/**
+ * POST /api/files — tek dosya yükler (`file` alanı), aktif haneye bekleyen ek olarak kaydeder.
+ * Kayıt (ör. işlem) kaydedilirken ek kimlikleri gönderilir ve ek kayda bağlanır.
+ */
+export async function POST(request: Request) {
+  if (!isSameOrigin(request)) return Response.json(fail(tr.common.unauthorized), { status: 403 });
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return Response.json(fail(tr.common.unauthorized), { status: 401 });
+
+  const maxMb = env().MAX_UPLOAD_MB;
+  const length = Number(request.headers.get("content-length") ?? 0);
+  if (length > maxMb * 1024 * 1024 + MULTIPART_OVERHEAD) {
+    return Response.json(fail(tr.attachments.errors.tooLarge(maxMb)), { status: 413 });
+  }
+
+  let file: FormDataEntryValue | null;
+  try {
+    file = (await request.formData()).get("file");
+  } catch {
+    return Response.json(fail(tr.attachments.errors.invalid), { status: 400 });
+  }
+  if (!(file instanceof File)) {
+    return Response.json(fail(tr.attachments.errors.empty), { status: 400 });
+  }
+
+  const bytes = Buffer.from(await file.arrayBuffer());
+  const result = await uploadAttachment(ctx.user.id, ctx.household.id, { name: file.name, bytes });
+  return Response.json(result, { status: result.ok ? 201 : 400 });
+}
+
+/**
+ * CSRF savunması: tarayıcı isteğinde Origin varsa uygulamanın kendi host'u olmalı.
+ * (Oturum cookie'si SameSite=Lax; bu ek bir katman.)
+ */
+function isSameOrigin(request: Request): boolean {
+  const origin = request.headers.get("origin");
+  if (!origin) return true;
+  const host = request.headers.get("x-forwarded-host") ?? request.headers.get("host");
+  try {
+    return new URL(origin).host === host;
+  } catch {
+    return false;
+  }
+}

src/components/layout/nav-config.ts

@@ -27,7 +27,7 @@ export type NavItem = {
 
 /** Şu an tamamlanmış en yüksek faz — sayfalar eklendikçe artar. */
 /** Alt fazlar ondalıkla: 6.1 = Faz 6a. */
-export const CURRENT_PHASE = 6.2;
+export const CURRENT_PHASE = 9.2;
 
 export const isAvailable = (item: NavItem) => item.phase <= CURRENT_PHASE;
 
@@ -36,9 +36,9 @@ export const MAIN_NAV: NavItem[] = [
   { href: "/islemler", label: tr.nav.transactions, icon: ArrowLeftRight, phase: 6.2 },
   { href: "/hesaplar", label: tr.nav.accounts, icon: Wallet, phase: 6.1 },
   { href: "/kategoriler", label: tr.nav.categories, icon: Tags, phase: 6.1 },
-  { href: "/planli", label: tr.nav.planned, icon: CalendarClock, phase: 7 },
-  { href: "/cari", label: tr.nav.contacts, icon: Users, phase: 8 },
-  { href: "/birikim", label: tr.nav.savings, icon: Coins, phase: 9 },
+  { href: "/planli", label: tr.nav.planned, icon: CalendarClock, phase: 7.1 },
+  { href: "/cari", label: tr.nav.contacts, icon: Users, phase: 8.1 },
+  { href: "/birikim", label: tr.nav.savings, icon: Coins, phase: 9.1 },
   { href: "/butce", label: tr.nav.budget, icon: Target, phase: 10 },
   { href: "/stok", label: tr.nav.stock, icon: Package, phase: 11 },
   { href: "/alisveris", label: tr.nav.shopping, icon: ShoppingCart, phase: 13 },

src/components/ui/carousel.tsx

@@ -0,0 +1,242 @@
+"use client";
+
+import * as React from "react";
+import { cn } from "cn";
+import useEmblaCarousel, { type UseEmblaCarouselType } from "embla-carousel-react";
+
+import { Button } from "@/components/ui/button";
+import { ChevronLeftIcon, ChevronRightIcon } from "lucide-react";
+
+type CarouselApi = UseEmblaCarouselType[1];
+type UseCarouselParameters = Parameters<typeof useEmblaCarousel>;
+type CarouselOptions = UseCarouselParameters[0];
+type CarouselPlugin = UseCarouselParameters[1];
+
+type CarouselProps = {
+  opts?: CarouselOptions;
+  plugins?: CarouselPlugin;
+  orientation?: "horizontal" | "vertical";
+  setApi?: (api: CarouselApi) => void;
+};
+
+type CarouselContextProps = {
+  carouselRef: ReturnType<typeof useEmblaCarousel>[0];
+  api: ReturnType<typeof useEmblaCarousel>[1];
+  scrollPrev: () => void;
+  scrollNext: () => void;
+  canScrollPrev: boolean;
+  canScrollNext: boolean;
+} & CarouselProps;
+
+const CarouselContext = React.createContext<CarouselContextProps | null>(null);
+
+function useCarousel() {
+  const context = React.useContext(CarouselContext);
+
+  if (!context) {
+    throw new Error("useCarousel must be used within a <Carousel />");
+  }
+
+  return context;
+}
+
+function Carousel({
+  orientation = "horizontal",
+  opts,
+  setApi,
+  plugins,
+  className,
+  children,
+  ...props
+}: React.ComponentProps<"div"> & CarouselProps) {
+  const [carouselRef, api] = useEmblaCarousel(
+    {
+      ...opts,
+      axis: orientation === "horizontal" ? "x" : "y",
+    },
+    plugins,
+  );
+  const [canScrollPrev, setCanScrollPrev] = React.useState(false);
+  const [canScrollNext, setCanScrollNext] = React.useState(false);
+
+  const onSelect = React.useCallback((api: CarouselApi) => {
+    if (!api) return;
+    setCanScrollPrev(api.canScrollPrev());
+    setCanScrollNext(api.canScrollNext());
+  }, []);
+
+  const scrollPrev = React.useCallback(() => {
+    api?.scrollPrev();
+  }, [api]);
+
+  const scrollNext = React.useCallback(() => {
+    api?.scrollNext();
+  }, [api]);
+
+  const handleKeyDown = React.useCallback(
+    (event: React.KeyboardEvent<HTMLDivElement>) => {
+      if (event.key === "ArrowLeft") {
+        event.preventDefault();
+        scrollPrev();
+      } else if (event.key === "ArrowRight") {
+        event.preventDefault();
+        scrollNext();
+      }
+    },
+    [scrollPrev, scrollNext],
+  );
+
+  React.useEffect(() => {
+    if (!api || !setApi) return;
+    setApi(api);
+  }, [api, setApi]);
+
+  React.useEffect(() => {
+    if (!api) return;
+    // İlk durum bir sonraki karede okunur (effect içinde senkron setState yapılmaz).
+    const frame = requestAnimationFrame(() => onSelect(api));
+    api.on("reInit", onSelect);
+    api.on("select", onSelect);
+
+    return () => {
+      cancelAnimationFrame(frame);
+      api.off("select", onSelect);
+      api.off("reInit", onSelect);
+    };
+  }, [api, onSelect]);
+
+  return (
+    <CarouselContext.Provider
+      value={{
+        carouselRef,
+        api: api,
+        opts,
+        orientation: orientation || (opts?.axis === "y" ? "vertical" : "horizontal"),
+        scrollPrev,
+        scrollNext,
+        canScrollPrev,
+        canScrollNext,
+      }}
+    >
+      <div
+        onKeyDownCapture={handleKeyDown}
+        className={cn("relative", className)}
+        role="region"
+        aria-roledescription="carousel"
+        data-slot="carousel"
+        {...props}
+      >
+        {children}
+      </div>
+    </CarouselContext.Provider>
+  );
+}
+
+function CarouselContent({
+  className,
+  containerClassName,
+  ...props
+}: React.ComponentProps<"div"> & { containerClassName?: string }) {
+  const { carouselRef, orientation } = useCarousel();
+
+  return (
+    <div
+      ref={carouselRef}
+      className={cn("overflow-hidden", containerClassName)}
+      data-slot="carousel-content"
+    >
+      <div
+        className={cn("flex", orientation === "horizontal" ? "-ml-4" : "-mt-4 flex-col", className)}
+        {...props}
+      />
+    </div>
+  );
+}
+
+function CarouselItem({ className, ...props }: React.ComponentProps<"div">) {
+  const { orientation } = useCarousel();
+
+  return (
+    <div
+      role="group"
+      aria-roledescription="slide"
+      data-slot="carousel-item"
+      className={cn(
+        "min-w-0 shrink-0 grow-0 basis-full",
+        orientation === "horizontal" ? "pl-4" : "pt-4",
+        className,
+      )}
+      {...props}
+    />
+  );
+}
+
+function CarouselPrevious({
+  className,
+  variant = "outline",
+  size = "icon-sm",
+  ...props
+}: React.ComponentProps<typeof Button>) {
+  const { orientation, scrollPrev, canScrollPrev } = useCarousel();
+
+  return (
+    <Button
+      data-slot="carousel-previous"
+      variant={variant}
+      size={size}
+      className={cn(
+        "absolute touch-manipulation rounded-full",
+        orientation === "horizontal"
+          ? "inset-y-0 -left-12 my-auto"
+          : "-top-12 left-1/2 -translate-x-1/2 rotate-90",
+        className,
+      )}
+      disabled={!canScrollPrev}
+      onClick={scrollPrev}
+      {...props}
+    >
+      <ChevronLeftIcon />
+      <span className="sr-only">Previous slide</span>
+    </Button>
+  );
+}
+
+function CarouselNext({
+  className,
+  variant = "outline",
+  size = "icon-sm",
+  ...props
+}: React.ComponentProps<typeof Button>) {
+  const { orientation, scrollNext, canScrollNext } = useCarousel();
+
+  return (
+    <Button
+      data-slot="carousel-next"
+      variant={variant}
+      size={size}
+      className={cn(
+        "absolute touch-manipulation rounded-full",
+        orientation === "horizontal"
+          ? "inset-y-0 -right-12 my-auto"
+          : "-bottom-12 left-1/2 -translate-x-1/2 rotate-90",
+        className,
+      )}
+      disabled={!canScrollNext}
+      onClick={scrollNext}
+      {...props}
+    >
+      <ChevronRightIcon />
+      <span className="sr-only">Next slide</span>
+    </Button>
+  );
+}
+
+export {
+  type CarouselApi,
+  Carousel,
+  CarouselContent,
+  CarouselItem,
+  CarouselPrevious,
+  CarouselNext,
+  useCarousel,
+};

src/components/ui/chart.tsx

@@ -0,0 +1,338 @@
+"use client";
+
+import * as React from "react";
+import { cn } from "@/lib/utils";
+import * as RechartsPrimitive from "recharts";
+import type { TooltipValueType } from "recharts";
+
+// Format: { THEME_NAME: CSS_SELECTOR }
+const THEMES = { light: "", dark: ".dark" } as const;
+
+const INITIAL_DIMENSION = { width: 320, height: 200 } as const;
+type TooltipNameType = number | string;
+
+export type ChartConfig = Record<
+  string,
+  {
+    label?: React.ReactNode;
+    icon?: React.ComponentType;
+  } & (
+    | { color?: string; theme?: never }
+    | { color?: never; theme: Record<keyof typeof THEMES, string> }
+  )
+>;
+
+type ChartContextProps = {
+  config: ChartConfig;
+};
+
+const ChartContext = React.createContext<ChartContextProps | null>(null);
+
+function useChart() {
+  const context = React.useContext(ChartContext);
+
+  if (!context) {
+    throw new Error("useChart must be used within a <ChartContainer />");
+  }
+
+  return context;
+}
+
+function ChartContainer({
+  id,
+  className,
+  children,
+  config,
+  initialDimension = INITIAL_DIMENSION,
+  ...props
+}: React.ComponentProps<"div"> & {
+  config: ChartConfig;
+  children: React.ComponentProps<typeof RechartsPrimitive.ResponsiveContainer>["children"];
+  initialDimension?: {
+    width: number;
+    height: number;
+  };
+}) {
+  const uniqueId = React.useId();
+  const chartId = `chart-${id ?? uniqueId.replace(/:/g, "")}`;
+
+  return (
+    <ChartContext.Provider value={{ config }}>
+      <div
+        data-slot="chart"
+        data-chart={chartId}
+        className={cn(
+          "flex aspect-video justify-center text-xs [&_.recharts-cartesian-axis-tick_text]:fill-muted-foreground [&_.recharts-cartesian-grid_line[stroke='#ccc']]:stroke-border/50 [&_.recharts-curve.recharts-tooltip-cursor]:stroke-border [&_.recharts-dot[stroke='#fff']]:stroke-transparent [&_.recharts-layer]:outline-hidden [&_.recharts-polar-grid_[stroke='#ccc']]:stroke-border [&_.recharts-radial-bar-background-sector]:fill-muted [&_.recharts-rectangle.recharts-tooltip-cursor]:fill-muted [&_.recharts-reference-line_[stroke='#ccc']]:stroke-border [&_.recharts-sector]:outline-hidden [&_.recharts-sector[stroke='#fff']]:stroke-transparent [&_.recharts-surface]:outline-hidden",
+          className,
+        )}
+        {...props}
+      >
+        <ChartStyle id={chartId} config={config} />
+        <RechartsPrimitive.ResponsiveContainer initialDimension={initialDimension}>
+          {children}
+        </RechartsPrimitive.ResponsiveContainer>
+      </div>
+    </ChartContext.Provider>
+  );
+}
+
+const ChartStyle = ({ id, config }: { id: string; config: ChartConfig }) => {
+  const colorConfig = Object.entries(config).filter(([, config]) => config.theme ?? config.color);
+
+  if (!colorConfig.length) {
+    return null;
+  }
+
+  return (
+    <style
+      dangerouslySetInnerHTML={{
+        __html: Object.entries(THEMES)
+          .map(
+            ([theme, prefix]) => `
+${prefix} [data-chart=${id}] {
+${colorConfig
+  .map(([key, itemConfig]) => {
+    const color = itemConfig.theme?.[theme as keyof typeof itemConfig.theme] ?? itemConfig.color;
+    return color ? `  --color-${key}: ${color};` : null;
+  })
+  .join("\n")}
+}
+`,
+          )
+          .join("\n"),
+      }}
+    />
+  );
+};
+
+const ChartTooltip = RechartsPrimitive.Tooltip;
+
+function ChartTooltipContent({
+  active,
+  payload,
+  className,
+  indicator = "dot",
+  hideLabel = false,
+  hideIndicator = false,
+  label,
+  labelFormatter,
+  labelClassName,
+  formatter,
+  color,
+  nameKey,
+  labelKey,
+}: React.ComponentProps<typeof RechartsPrimitive.Tooltip> &
+  React.ComponentProps<"div"> & {
+    hideLabel?: boolean;
+    hideIndicator?: boolean;
+    indicator?: "line" | "dot" | "dashed";
+    nameKey?: string;
+    labelKey?: string;
+  } & Omit<
+    RechartsPrimitive.DefaultTooltipContentProps<TooltipValueType, TooltipNameType>,
+    "accessibilityLayer"
+  >) {
+  const { config } = useChart();
+
+  const tooltipLabel = React.useMemo(() => {
+    if (hideLabel || !payload?.length) {
+      return null;
+    }
+
+    const [item] = payload;
+    const key = `${labelKey ?? item?.dataKey ?? item?.name ?? "value"}`;
+    const itemConfig = getPayloadConfigFromPayload(config, item, key);
+    const value =
+      !labelKey && typeof label === "string" ? (config[label]?.label ?? label) : itemConfig?.label;
+
+    if (labelFormatter) {
+      return (
+        <div className={cn("font-medium", labelClassName)}>{labelFormatter(value, payload)}</div>
+      );
+    }
+
+    if (!value) {
+      return null;
+    }
+
+    return <div className={cn("font-medium", labelClassName)}>{value}</div>;
+  }, [label, labelFormatter, payload, hideLabel, labelClassName, config, labelKey]);
+
+  if (!active || !payload?.length) {
+    return null;
+  }
+
+  const nestLabel = payload.length === 1 && indicator !== "dot";
+
+  return (
+    <div
+      className={cn(
+        "grid min-w-32 items-start gap-1.5 rounded-lg border border-border/50 bg-background px-2.5 py-1.5 text-xs shadow-xl",
+        className,
+      )}
+    >
+      {!nestLabel ? tooltipLabel : null}
+      <div className="grid gap-1.5">
+        {payload
+          .filter((item) => item.type !== "none")
+          .map((item, index) => {
+            const key = `${nameKey ?? item.name ?? item.dataKey ?? "value"}`;
+            const itemConfig = getPayloadConfigFromPayload(config, item, key);
+            const indicatorColor = color ?? item.payload?.fill ?? item.color;
+
+            return (
+              <div
+                key={index}
+                className={cn(
+                  "flex w-full flex-wrap items-stretch gap-2 [&>svg]:h-2.5 [&>svg]:w-2.5 [&>svg]:text-muted-foreground",
+                  indicator === "dot" && "items-center",
+                )}
+              >
+                {formatter && item?.value !== undefined && item.name ? (
+                  formatter(item.value, item.name, item, index, item.payload)
+                ) : (
+                  <>
+                    {itemConfig?.icon ? (
+                      <itemConfig.icon />
+                    ) : (
+                      !hideIndicator && (
+                        <div
+                          className={cn(
+                            "shrink-0 rounded-[2px] border-(--color-border) bg-(--color-bg)",
+                            {
+                              "h-2.5 w-2.5": indicator === "dot",
+                              "w-1": indicator === "line",
+                              "w-0 border-[1.5px] border-dashed bg-transparent":
+                                indicator === "dashed",
+                              "my-0.5": nestLabel && indicator === "dashed",
+                            },
+                          )}
+                          style={
+                            {
+                              "--color-bg": indicatorColor,
+                              "--color-border": indicatorColor,
+                            } as React.CSSProperties
+                          }
+                        />
+                      )
+                    )}
+                    <div
+                      className={cn(
+                        "flex flex-1 justify-between leading-none",
+                        nestLabel ? "items-end" : "items-center",
+                      )}
+                    >
+                      <div className="grid gap-1.5">
+                        {nestLabel ? tooltipLabel : null}
+                        <span className="text-muted-foreground">
+                          {itemConfig?.label ?? item.name}
+                        </span>
+                      </div>
+                      {item.value != null && (
+                        <span className="font-mono font-medium text-foreground tabular-nums">
+                          {typeof item.value === "number"
+                            ? item.value.toLocaleString()
+                            : String(item.value)}
+                        </span>
+                      )}
+                    </div>
+                  </>
+                )}
+              </div>
+            );
+          })}
+      </div>
+    </div>
+  );
+}
+
+const ChartLegend = RechartsPrimitive.Legend;
+
+function ChartLegendContent({
+  className,
+  hideIcon = false,
+  payload,
+  verticalAlign = "bottom",
+  nameKey,
+}: React.ComponentProps<"div"> & {
+  hideIcon?: boolean;
+  nameKey?: string;
+} & RechartsPrimitive.DefaultLegendContentProps) {
+  const { config } = useChart();
+
+  if (!payload?.length) {
+    return null;
+  }
+
+  return (
+    <div
+      className={cn(
+        "flex items-center justify-center gap-4",
+        verticalAlign === "top" ? "pb-3" : "pt-3",
+        className,
+      )}
+    >
+      {payload
+        .filter((item) => item.type !== "none")
+        .map((item, index) => {
+          const key = `${nameKey ?? item.dataKey ?? "value"}`;
+          const itemConfig = getPayloadConfigFromPayload(config, item, key);
+
+          return (
+            <div
+              key={index}
+              className={cn(
+                "flex items-center gap-1.5 [&>svg]:h-3 [&>svg]:w-3 [&>svg]:text-muted-foreground",
+              )}
+            >
+              {itemConfig?.icon && !hideIcon ? (
+                <itemConfig.icon />
+              ) : (
+                <div
+                  className="h-2 w-2 shrink-0 rounded-[2px]"
+                  style={{
+                    backgroundColor: item.color,
+                  }}
+                />
+              )}
+              {itemConfig?.label}
+            </div>
+          );
+        })}
+    </div>
+  );
+}
+
+function getPayloadConfigFromPayload(config: ChartConfig, payload: unknown, key: string) {
+  if (typeof payload !== "object" || payload === null) {
+    return undefined;
+  }
+
+  const payloadPayload =
+    "payload" in payload && typeof payload.payload === "object" && payload.payload !== null
+      ? payload.payload
+      : undefined;
+
+  let configLabelKey: string = key;
+
+  if (key in payload && typeof payload[key as keyof typeof payload] === "string") {
+    configLabelKey = payload[key as keyof typeof payload] as string;
+  } else if (
+    payloadPayload &&
+    key in payloadPayload &&
+    typeof payloadPayload[key as keyof typeof payloadPayload] === "string"
+  ) {
+    configLabelKey = payloadPayload[key as keyof typeof payloadPayload] as string;
+  }
+
+  return configLabelKey in config ? config[configLabelKey] : config[key];
+}
+
+export {
+  ChartContainer,
+  ChartTooltip,
+  ChartTooltipContent,
+  ChartLegend,
+  ChartLegendContent,
+  ChartStyle,
+};

src/features/accounts/components/account-form-dialog.tsx

@@ -79,6 +79,7 @@ type FormValues = {
   cardDueKind: AccountFormInput["cardDueKind"];
   cardDueValue: string;
   cardPaymentAccountId: string;
+  cardMinimumRate: string;
 };
 
 const money = (minor: number | null | undefined) => (minor ? formatMoneyInput(minor) : "");
@@ -105,6 +106,7 @@ function toValues(a?: AccountView): FormValues {
       cardDueKind: "daysAfter",
       cardDueValue: "10",
       cardPaymentAccountId: "",
+      cardMinimumRate: "",
     };
   }
   const isCard = a.type === "credit_card";
@@ -133,6 +135,10 @@ function toValues(a?: AccountView): FormValues {
     cardDueKind: a.creditCard?.dueRule.kind ?? "daysAfter",
     cardDueValue: String(a.creditCard?.dueRule.value ?? 10),
     cardPaymentAccountId: a.creditCard?.paymentAccountId ?? "",
+    cardMinimumRate:
+      a.creditCard?.minimumPaymentRateBp != null
+        ? formatMoneyInput(a.creditCard.minimumPaymentRateBp)
+        : "",
   };
 }
 
@@ -499,6 +505,28 @@ export function AccountFormDialog({
                     </Field>
                   )}
                 />
+                <Controller
+                  name="cardMinimumRate"
+                  control={form.control}
+                  render={({ field, fieldState }) => (
+                    <Field data-invalid={fieldState.invalid}>
+                      <FieldLabel htmlFor="acc-card-min">{f.cardMinimumRate}</FieldLabel>
+                      <Input
+                        {...field}
+                        id="acc-card-min"
+                        inputMode="decimal"
+                        placeholder="20"
+                        className="w-28 tabular-nums"
+                        aria-describedby="acc-card-min-hint"
+                        aria-invalid={fieldState.invalid}
+                      />
+                      <FieldDescription id="acc-card-min-hint">
+                        {f.cardMinimumRateHint}
+                      </FieldDescription>
+                      {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                    </Field>
+                  )}
+                />
               </FieldGroup>
             </FieldSet>
           ) : null}

src/features/accounts/components/accounts-view.tsx

@@ -110,12 +110,14 @@ export function AccountsView({
       <li className={cn("flex items-center gap-3 p-3", a.archived && "opacity-60")}>
         <IconBadge icon={a.icon} color={a.color} />
         <div className="min-w-0 flex-1">
-          <Link
-            href={`/islemler?hesap=${a.id}`}
-            className="block truncate font-medium hover:underline"
-          >
-            {a.name}
-          </Link>
+          {/* Gizli hesabın ekstresi yalnızca sahibine açılır. */}
+          {a.balanceMinor === null ? (
+            <span className="block truncate font-medium">{a.name}</span>
+          ) : (
+            <Link href={`/hesaplar/${a.id}`} className="block truncate font-medium hover:underline">
+              {a.name}
+            </Link>
+          )}
           <div className="flex flex-wrap items-center gap-x-2 gap-y-1 text-xs text-muted-foreground">
             {a.type === "meal_card" && a.mealCardProvider ? (
               <span>{t.providers[a.mealCardProvider]}</span>

src/features/accounts/service.int.test.ts

@@ -35,6 +35,7 @@ const base = {
   cardDueKind: "daysAfter" as const,
   cardDueValue: 10,
   cardPaymentAccountId: null,
+  cardMinimumRate: null,
 };
 
 const accountId = (name: string, householdId = cakir) =>

src/features/accounts/service.ts

@@ -55,6 +55,7 @@ export type AccountView = {
     statementDay: number;
     dueRule: { kind: DueRuleKind; value: number };
     paymentAccountId: string | null;
+    minimumPaymentRateBp: number | null;
   } | null;
 };
 
@@ -229,6 +230,7 @@ async function toDocFields(
           statementDay: input.cardStatementDay,
           dueRule: { kind: input.cardDueKind, value: input.cardDueValue },
           paymentAccountId,
+          minimumPaymentRateBp: input.cardMinimumRate,
         }
       : null,
   });

src/features/assets/actions.ts

@@ -0,0 +1,87 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { z } from "zod";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { getHouseholdActionContext } from "@/lib/dal";
+import { assetFormSchema, movementFormSchema } from "@/shared/schemas/asset";
+import {
+  addMovement,
+  createAsset,
+  deleteAsset,
+  deleteMovement,
+  listAssets,
+  updateAsset,
+} from "./service";
+
+const idSchema = z.string().regex(/^[a-f0-9]{24}$/i);
+
+function fieldErrors(error: z.ZodError) {
+  const out: Record<string, string> = {};
+  for (const issue of error.issues) {
+    const key = issue.path.join(".");
+    if (key && !out[key]) out[key] = issue.message;
+  }
+  return out;
+}
+
+async function run<T>(
+  schema: z.ZodType<T>,
+  input: unknown,
+  fn: (userId: string, householdId: string, data: T) => Promise<ActionResult<unknown>>,
+): Promise<ActionResult<unknown>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const parsed = schema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  const result = await fn(ctx.user.id, ctx.household.id, parsed.data);
+  if (result.ok) revalidatePath("/", "layout");
+  return result;
+}
+
+/** Yeni varlık (assetId boş) veya mevcut varlığı düzenle. */
+export async function saveAssetAction(assetId: unknown, input: unknown) {
+  if (assetId) {
+    const id = idSchema.safeParse(assetId);
+    if (!id.success) return fail(tr.common.notFound);
+    return run(assetFormSchema, input, (u, h, d) => updateAsset(u, h, id.data, d));
+  }
+  return run(assetFormSchema, input, createAsset);
+}
+
+export async function deleteAssetAction(assetId: unknown) {
+  const id = idSchema.safeParse(assetId);
+  if (!id.success) return fail(tr.common.notFound);
+  return run(z.unknown(), null, (u, h) => deleteAsset(u, h, id.data));
+}
+
+export async function addMovementAction(assetId: unknown, input: unknown) {
+  const id = idSchema.safeParse(assetId);
+  if (!id.success) return fail(tr.common.notFound);
+  return run(movementFormSchema, input, (u, h, d) => addMovement(u, h, id.data, d));
+}
+
+export async function deleteMovementAction(movementId: unknown) {
+  const id = idSchema.safeParse(movementId);
+  if (!id.success) return fail(tr.common.notFound);
+  return run(z.unknown(), null, (u, h) => deleteMovement(u, h, id.data));
+}
+
+export type AssetOption = { id: string; name: string; assetKey: string; quantity: number };
+
+/** Aynî ödeme diyaloğu için görünür varlıklar (ad, tür, eldeki miktar). */
+export async function getAssetOptionsAction(): Promise<ActionResult<AssetOption[]>> {
+  const ctx = await getHouseholdActionContext("viewer");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const data = await listAssets(ctx.user.id, ctx.household.id);
+  if (!data) return fail(tr.common.unauthorized);
+  return ok(
+    data.items.map((a) => ({
+      id: a.id,
+      name: a.name,
+      assetKey: a.assetKey,
+      quantity: a.summary.quantity,
+    })),
+  );
+}

src/features/assets/components/asset-detail-view.tsx

@@ -0,0 +1,316 @@
+"use client";
+
+import {
+  ArrowLeft,
+  EllipsisVertical,
+  Gift,
+  HandCoins,
+  Lock,
+  Pencil,
+  ShoppingBag,
+  Trash2,
+} from "lucide-react";
+import Link from "next/link";
+import { useRouter } from "next/navigation";
+import { useState } from "react";
+import { toast } from "sonner";
+import { PageHeader } from "@/components/page-header";
+import {
+  AlertDialog,
+  AlertDialogCancel,
+  AlertDialogContent,
+  AlertDialogDescription,
+  AlertDialogFooter,
+  AlertDialogHeader,
+  AlertDialogTitle,
+} from "@/components/ui/alert-dialog";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent } from "@/components/ui/card";
+import {
+  DropdownMenu,
+  DropdownMenuContent,
+  DropdownMenuItem,
+  DropdownMenuSeparator,
+  DropdownMenuTrigger,
+} from "@/components/ui/dropdown-menu";
+import { tr } from "@/i18n/tr";
+import { ASSETS, formatAssetQuantity } from "@/shared/assets";
+import { formatDate, formatMoney } from "@/shared/format";
+import { isInflow, type MovementKind } from "@/shared/portfolio";
+import { deleteAssetAction, deleteMovementAction } from "../actions";
+import type { AssetDetail, MovementRow } from "../service";
+import { AssetFormDialog, MovementDialog } from "./asset-dialogs";
+import { ProfitLoss, Stat } from "./assets-view";
+
+const t = tr.assets;
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+
+type Pending =
+  | { kind: "edit" }
+  | { kind: "movement"; movement: MovementKind }
+  | { kind: "deleteMovement"; row: MovementRow }
+  | { kind: "deleteAsset" }
+  | null;
+
+/** /birikim/:id — özet, hareket ekleme ve hareket geçmişi. */
+export function AssetDetailView({
+  data,
+  report,
+}: {
+  data: AssetDetail;
+  /** Dönemsel rapor (sunucuda hazırlanır). */
+  report?: React.ReactNode;
+}) {
+  const router = useRouter();
+  const [pending, setPending] = useState<Pending>(null);
+  const close = () => setPending(null);
+  const s = data.summary;
+  const unit = ASSETS[data.assetKey].unit;
+
+  return (
+    <div className="flex flex-col gap-4">
+      <Button variant="ghost" size="sm" asChild className="-ml-2 w-fit">
+        <Link href="/birikim">
+          <ArrowLeft />
+          {t.back}
+        </Link>
+      </Button>
+      <PageHeader
+        title={data.name}
+        description={ASSETS[data.assetKey].label}
+        actions={
+          data.canWrite ? (
+            <DropdownMenu modal={false}>
+              <DropdownMenuTrigger asChild>
+                <Button size="icon" variant="outline" aria-label={tr.recurring.actions.more}>
+                  <EllipsisVertical />
+                </Button>
+              </DropdownMenuTrigger>
+              <DropdownMenuContent align="end">
+                <DropdownMenuItem onSelect={() => setPending({ kind: "edit" })}>
+                  <Pencil />
+                  {tr.common.edit}
+                </DropdownMenuItem>
+                <DropdownMenuSeparator />
+                <DropdownMenuItem
+                  variant="destructive"
+                  disabled={data.movementCount > 0}
+                  onSelect={() => setPending({ kind: "deleteAsset" })}
+                >
+                  <Trash2 />
+                  {t.delete}
+                </DropdownMenuItem>
+              </DropdownMenuContent>
+            </DropdownMenu>
+          ) : null
+        }
+      />
+      {data.isPrivate ? (
+        <Badge variant="outline" className="-mt-2 w-fit gap-1">
+          <Lock className="size-3" />
+          {t.privateBadge}
+        </Badge>
+      ) : null}
+
+      <Card size="sm">
+        <CardContent className="flex flex-col gap-3">
+          <div className="grid grid-cols-2 gap-3 sm:grid-cols-4">
+            <Stat label={t.stats.quantity}>{formatAssetQuantity(data.assetKey, s.quantity)}</Stat>
+            <Stat label={t.stats.avgCost}>
+              {s.avgCostMinor !== null
+                ? `${formatMoney(s.avgCostMinor)} ${t.stats.perUnit(unit)}`
+                : "—"}
+            </Stat>
+            <Stat label={t.stats.cost}>{formatMoney(s.costMinor)}</Stat>
+            <Stat label={t.stats.currentValue}>
+              {s.currentValueMinor !== null ? formatMoney(s.currentValueMinor) : t.stats.noPrice}
+            </Stat>
+            <Stat label={t.stats.unrealized}>
+              <ProfitLoss minor={s.unrealizedMinor} bp={s.unrealizedBp} />
+            </Stat>
+            <Stat label={t.stats.realized}>
+              <ProfitLoss minor={s.realizedMinor} />
+            </Stat>
+            <Stat label={t.stats.invested}>{formatMoney(s.investedMinor)}</Stat>
+            <Stat label={t.stats.proceeds}>{formatMoney(s.proceedsMinor)}</Stat>
+          </div>
+          {data.price ? (
+            <p className="text-xs text-muted-foreground">
+              {t.stats.price(formatMoney(data.price.buyMinor), d(data.price.date))} ·{" "}
+              <Link href="/fiyatlar" className="underline-offset-2 hover:underline">
+                {t.prices}
+              </Link>
+            </p>
+          ) : null}
+          {data.storage ? (
+            <p className="text-sm">
+              <span className="text-muted-foreground">{t.movement.storage}:</span> {data.storage}
+            </p>
+          ) : null}
+          {data.note ? <p className="text-sm text-muted-foreground">{data.note}</p> : null}
+          {data.canWrite ? (
+            <div className="flex flex-wrap justify-end gap-2">
+              <Button
+                size="sm"
+                variant="outline"
+                onClick={() => setPending({ kind: "movement", movement: "gift_in" })}
+              >
+                <Gift />
+                {t.kinds.gift_in}
+              </Button>
+              {s.quantity > 0 ? (
+                <Button
+                  size="sm"
+                  variant="outline"
+                  onClick={() => setPending({ kind: "movement", movement: "sell" })}
+                >
+                  <HandCoins />
+                  {t.kinds.sell}
+                </Button>
+              ) : null}
+              <Button size="sm" onClick={() => setPending({ kind: "movement", movement: "buy" })}>
+                <ShoppingBag />
+                {t.kinds.buy}
+              </Button>
+            </div>
+          ) : null}
+        </CardContent>
+      </Card>
+
+      {report}
+
+      <section className="flex flex-col gap-2" aria-labelledby="movements-title">
+        <h2 id="movements-title" className="text-base font-medium">
+          {t.history}
+        </h2>
+        {data.movements.length === 0 ? (
+          <p className="rounded-lg border border-dashed p-6 text-center text-sm text-muted-foreground">
+            {t.noMovements}
+          </p>
+        ) : (
+          <ul className="divide-y rounded-xl border bg-card">
+            {data.movements.map((row) => (
+              <MovementItem
+                key={row.id}
+                row={row}
+                data={data}
+                canWrite={data.canWrite}
+                onDelete={() => setPending({ kind: "deleteMovement", row })}
+              />
+            ))}
+          </ul>
+        )}
+      </section>
+
+      {pending?.kind === "edit" ? <AssetFormDialog item={data} onClose={close} /> : null}
+      {pending?.kind === "movement" ? (
+        <MovementDialog item={data} initialKind={pending.movement} onClose={close} />
+      ) : null}
+      <AlertDialog
+        open={pending?.kind === "deleteMovement" || pending?.kind === "deleteAsset"}
+        onOpenChange={(o) => !o && close()}
+      >
+        <AlertDialogContent>
+          <AlertDialogHeader>
+            <AlertDialogTitle>
+              {pending?.kind === "deleteAsset" ? t.deleteTitle : t.deleteMovementTitle}
+            </AlertDialogTitle>
+            <AlertDialogDescription>
+              {pending?.kind === "deleteAsset" ? t.deleteDescription : t.deleteMovementDescription}
+            </AlertDialogDescription>
+          </AlertDialogHeader>
+          <AlertDialogFooter>
+            <AlertDialogCancel>{tr.common.cancel}</AlertDialogCancel>
+            <Button
+              variant="destructive"
+              onClick={async () => {
+                if (pending?.kind === "deleteAsset") {
+                  const r = await deleteAssetAction(data.id);
+                  close();
+                  if (r.ok) {
+                    toast.success(t.toast.deleted);
+                    router.push("/birikim");
+                  } else toast.error(r.error);
+                } else if (pending?.kind === "deleteMovement") {
+                  const r = await deleteMovementAction(pending.row.id);
+                  close();
+                  if (r.ok) toast.success(t.toast.movementDeleted);
+                  else toast.error(r.error);
+                }
+              }}
+            >
+              {pending?.kind === "deleteAsset" ? t.delete : t.deleteMovement}
+            </Button>
+          </AlertDialogFooter>
+        </AlertDialogContent>
+      </AlertDialog>
+    </div>
+  );
+}
+
+function MovementItem({
+  row,
+  data,
+  canWrite,
+  onDelete,
+}: {
+  row: MovementRow;
+  data: AssetDetail;
+  canWrite: boolean;
+  onDelete: () => void;
+}) {
+  const inflow = isInflow(row.kind);
+  const qty = formatAssetQuantity(data.assetKey, row.quantity);
+  const unit = ASSETS[data.assetKey].unit;
+  return (
+    <li className="flex items-start gap-3 p-3">
+      <div className="min-w-0 flex-1">
+        <p className="flex flex-wrap items-center gap-x-2 text-sm font-medium">
+          <span>{t.kinds[row.kind]}</span>
+          <span className={inflow ? "text-income" : "text-expense"}>
+            {inflow ? "+" : "−"}
+            {qty}
+          </span>
+        </p>
+        <p className="text-xs text-muted-foreground">
+          {d(row.date)}
+          {row.unitPriceMinor !== null
+            ? ` · ${formatMoney(row.unitPriceMinor)} ${t.stats.perUnit(unit)}`
+            : ""}
+          {row.account ? ` · ${row.account}` : ""}
+          {row.storage ? ` · ${row.storage}` : ""}
+        </p>
+        {row.note ? <p className="text-xs text-muted-foreground">{row.note}</p> : null}
+        <p className="text-xs text-muted-foreground">
+          {t.table.balance}: {formatAssetQuantity(data.assetKey, row.quantityAfter)}
+        </p>
+      </div>
+      <div className="flex shrink-0 flex-col items-end text-sm">
+        {row.kind !== "gift_out" ? (
+          <span className="tabular-nums">{formatMoney(row.amountMinor)}</span>
+        ) : (
+          <span className="text-xs text-muted-foreground tabular-nums">
+            {t.stats.cost} {formatMoney(row.costOutMinor)}
+          </span>
+        )}
+        {row.kind === "sell" ? (
+          <span className="text-xs">
+            {t.table.result}: <ProfitLoss minor={row.realizedMinor} />
+          </span>
+        ) : null}
+      </div>
+      {canWrite && !row.fromInKind ? (
+        <Button
+          size="icon-sm"
+          variant="ghost"
+          aria-label={t.deleteMovement}
+          onClick={onDelete}
+          className="shrink-0"
+        >
+          <Trash2 />
+        </Button>
+      ) : null}
+    </li>
+  );
+}

src/features/assets/components/asset-dialogs.tsx

@@ -0,0 +1,315 @@
+"use client";
+
+import { useState } from "react";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import { Button } from "@/components/ui/button";
+import { Checkbox } from "@/components/ui/checkbox";
+import { Field, FieldDescription, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { Tabs, TabsList, TabsTrigger } from "@/components/ui/tabs";
+import { useAccounts } from "@/features/in-kind/components/in-kind-section";
+import { tr } from "@/i18n/tr";
+import { ASSET_KEYS, ASSETS, formatAssetQuantity, type AssetKey } from "@/shared/assets";
+import { todayIstanbul } from "@/shared/dates";
+import { MOVEMENT_KINDS, type MovementKind } from "@/shared/portfolio";
+import { addMovementAction, saveAssetAction } from "../actions";
+import type { AssetView } from "../service";
+
+const t = tr.assets;
+type Errors = Record<string, string | undefined>;
+const NONE = "__none__";
+
+function Footer({ busy, formId, onClose }: { busy: boolean; formId: string; onClose: () => void }) {
+  return (
+    <>
+      <Button variant="outline" type="button" onClick={onClose}>
+        {tr.common.cancel}
+      </Button>
+      <Button type="submit" form={formId} disabled={busy}>
+        {tr.common.save}
+      </Button>
+    </>
+  );
+}
+
+/** Yeni varlık / varlığı düzenle. */
+export function AssetFormDialog({
+  item,
+  onClose,
+  onCreated,
+}: {
+  item: AssetView | null;
+  onClose: () => void;
+  onCreated?: (id: string) => void;
+}) {
+  const [v, setV] = useState({
+    assetKey: (item?.assetKey ?? "gram_gold") as AssetKey,
+    name: item?.name ?? "",
+    note: item?.note ?? "",
+    isPrivate: item?.isPrivate ?? false,
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+  const set = <K extends keyof typeof v>(k: K, x: (typeof v)[K]) => setV((s) => ({ ...s, [k]: x }));
+  const locked = Boolean(item?.movementCount);
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await saveAssetAction(item?.id ?? null, {
+      ...v,
+      name: v.name.trim() || ASSETS[v.assetKey].label,
+    });
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.saved);
+      onClose();
+      if (!item) onCreated?.((r.data as { id: string }).id);
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  const f = t.fields;
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={item ? t.editTitle : t.createTitle}
+      footer={<Footer busy={busy} formId="asset-form" onClose={onClose} />}
+    >
+      <form id="asset-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Field data-invalid={Boolean(errors.assetKey)}>
+            <FieldLabel htmlFor="as-key">{f.asset}</FieldLabel>
+            <Select
+              value={v.assetKey}
+              onValueChange={(x) => set("assetKey", x as AssetKey)}
+              disabled={locked}
+            >
+              <SelectTrigger id="as-key" className="w-full">
+                <SelectValue>{ASSETS[v.assetKey].label}</SelectValue>
+              </SelectTrigger>
+              <SelectContent>
+                {ASSET_KEYS.map((k) => (
+                  <SelectItem key={k} value={k}>
+                    {ASSETS[k].label}
+                  </SelectItem>
+                ))}
+              </SelectContent>
+            </Select>
+            {errors.assetKey ? <FieldError>{errors.assetKey}</FieldError> : null}
+          </Field>
+          <Field data-invalid={Boolean(errors.name)}>
+            <FieldLabel htmlFor="as-name">{f.name}</FieldLabel>
+            <Input
+              id="as-name"
+              value={v.name}
+              placeholder={ASSETS[v.assetKey].label}
+              onChange={(e) => set("name", e.target.value)}
+              aria-invalid={Boolean(errors.name)}
+            />
+            {errors.name ? <FieldError>{errors.name}</FieldError> : null}
+          </Field>
+          <Field>
+            <FieldLabel htmlFor="as-note">{f.note}</FieldLabel>
+            <Input id="as-note" value={v.note} onChange={(e) => set("note", e.target.value)} />
+          </Field>
+          <label className="flex items-start gap-2 text-sm">
+            <Checkbox
+              checked={v.isPrivate}
+              onCheckedChange={(x) => set("isPrivate", x === true)}
+              className="mt-0.5"
+            />
+            <span>
+              {f.isPrivate}
+              <span className="block text-xs text-muted-foreground">{f.isPrivateHint}</span>
+            </span>
+          </label>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}
+
+/** Alım, gelen hediye, satış veya çıkış hareketi. */
+export function MovementDialog({
+  item,
+  initialKind,
+  onClose,
+}: {
+  item: AssetView;
+  initialKind: MovementKind;
+  onClose: () => void;
+}) {
+  const accounts = useAccounts();
+  const [kind, setKind] = useState<MovementKind>(initialKind);
+  const [v, setV] = useState({
+    date: todayIstanbul(),
+    quantity: "",
+    amount: "",
+    unitPrice: "",
+    accountId: "",
+    storage: item.storage,
+    note: "",
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+  const set = <K extends keyof typeof v>(k: K, x: (typeof v)[K]) => setV((s) => ({ ...s, [k]: x }));
+  const withAccount = kind === "buy" || kind === "sell";
+  const priced = kind !== "gift_out";
+  const inflow = kind === "buy" || kind === "gift_in";
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await addMovementAction(item.id, {
+      kind,
+      date: v.date,
+      quantity: v.quantity,
+      amount: priced ? v.amount : "",
+      unitPrice: priced ? v.unitPrice : "",
+      accountId: withAccount ? v.accountId : "",
+      storage: inflow ? v.storage : "",
+      note: v.note,
+    });
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.movement);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  const m = t.movement;
+  const unit = ASSETS[item.assetKey].unit;
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={m.title(t.kinds[kind], item.name)}
+      description={m.held(formatAssetQuantity(item.assetKey, item.summary.quantity))}
+      footer={<Footer busy={busy} formId="movement-form" onClose={onClose} />}
+    >
+      <form id="movement-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Tabs
+            value={kind}
+            onValueChange={(x) => {
+              setKind(x as MovementKind);
+              setErrors({});
+            }}
+          >
+            <TabsList className="grid h-auto w-full grid-cols-2 sm:grid-cols-4">
+              {MOVEMENT_KINDS.map((k) => (
+                <TabsTrigger key={k} value={k}>
+                  {t.kinds[k]}
+                </TabsTrigger>
+              ))}
+            </TabsList>
+          </Tabs>
+          <p className="-mt-2 text-xs text-muted-foreground">{t.kindHints[kind]}</p>
+          <div className="grid grid-cols-2 gap-3">
+            <Field data-invalid={Boolean(errors.quantity)}>
+              <FieldLabel htmlFor="mv-qty">
+                {m.quantity} ({unit})
+              </FieldLabel>
+              <Input
+                id="mv-qty"
+                inputMode="decimal"
+                value={v.quantity}
+                onChange={(e) => set("quantity", e.target.value)}
+                className="text-right tabular-nums"
+                aria-invalid={Boolean(errors.quantity)}
+                autoFocus
+              />
+              {errors.quantity ? <FieldError>{errors.quantity}</FieldError> : null}
+            </Field>
+            <Field data-invalid={Boolean(errors.date)}>
+              <FieldLabel htmlFor="mv-date">{m.date}</FieldLabel>
+              <Input
+                id="mv-date"
+                type="date"
+                value={v.date}
+                max={todayIstanbul()}
+                onChange={(e) => set("date", e.target.value)}
+              />
+              {errors.date ? <FieldError>{errors.date}</FieldError> : null}
+            </Field>
+          </div>
+          {priced ? (
+            <>
+              <div className="grid grid-cols-2 gap-3">
+                <Field data-invalid={Boolean(errors.amount)}>
+                  <FieldLabel htmlFor="mv-amount">{m.amount}</FieldLabel>
+                  <MoneyInput id="mv-amount" value={v.amount} onChange={(x) => set("amount", x)} />
+                  {errors.amount ? <FieldError>{errors.amount}</FieldError> : null}
+                </Field>
+                <Field data-invalid={Boolean(errors.unitPrice)}>
+                  <FieldLabel htmlFor="mv-unit">{m.unitPrice}</FieldLabel>
+                  <MoneyInput
+                    id="mv-unit"
+                    value={v.unitPrice}
+                    onChange={(x) => set("unitPrice", x)}
+                  />
+                  {errors.unitPrice ? <FieldError>{errors.unitPrice}</FieldError> : null}
+                </Field>
+              </div>
+              <FieldDescription className="-mt-2">
+                {kind === "gift_in" ? m.giftValueHint : m.priceHint}
+              </FieldDescription>
+            </>
+          ) : null}
+          {withAccount ? (
+            <Field data-invalid={Boolean(errors.accountId)}>
+              <FieldLabel htmlFor="mv-account">{m.account}</FieldLabel>
+              <Select
+                value={v.accountId || NONE}
+                onValueChange={(x) => set("accountId", x === NONE ? "" : x)}
+              >
+                <SelectTrigger id="mv-account" className="w-full">
+                  <SelectValue>
+                    {accounts?.find((a) => a.id === v.accountId)?.name ?? m.accountNone}
+                  </SelectValue>
+                </SelectTrigger>
+                <SelectContent className="max-h-72">
+                  <SelectItem value={NONE}>{m.accountNone}</SelectItem>
+                  {(accounts ?? []).map((a) => (
+                    <SelectItem key={a.id} value={a.id}>
+                      {a.name}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+              <FieldDescription>{m.accountHint}</FieldDescription>
+              {errors.accountId ? <FieldError>{errors.accountId}</FieldError> : null}
+            </Field>
+          ) : null}
+          {inflow ? (
+            <Field>
+              <FieldLabel htmlFor="mv-storage">{m.storage}</FieldLabel>
+              <Input
+                id="mv-storage"
+                value={v.storage}
+                placeholder={m.storagePlaceholder}
+                onChange={(e) => set("storage", e.target.value)}
+              />
+            </Field>
+          ) : null}
+          <Field>
+            <FieldLabel htmlFor="mv-note">{m.note}</FieldLabel>
+            <Input id="mv-note" value={v.note} onChange={(e) => set("note", e.target.value)} />
+          </Field>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}

src/features/assets/components/assets-view.tsx

@@ -0,0 +1,191 @@
+"use client";
+
+import { ChevronRight, Coins, Lock, Plus } from "lucide-react";
+import Link from "next/link";
+import { useRouter } from "next/navigation";
+import { useState } from "react";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent } from "@/components/ui/card";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatMoney } from "@/shared/format";
+import { formatBp } from "@/shared/portfolio";
+import type { AssetTotals, AssetView } from "../service";
+import { AssetFormDialog } from "./asset-dialogs";
+
+const t = tr.assets;
+
+/** Kâr/zarar tutarı: + yeşil, − kırmızı. */
+export function ProfitLoss({
+  minor,
+  bp,
+  compact,
+}: {
+  minor: number | null;
+  bp?: number | null;
+  /** Mobilde oranı gizle (dar satırlar). */
+  compact?: boolean;
+}) {
+  if (minor === null) return <span className="text-muted-foreground">—</span>;
+  return (
+    <span
+      className={cn(
+        "font-semibold whitespace-nowrap tabular-nums",
+        minor > 0 ? "text-income" : minor < 0 ? "text-expense" : undefined,
+      )}
+    >
+      {minor > 0 ? "+" : minor < 0 ? "−" : ""}
+      {formatMoney(Math.abs(minor))}
+      {bp !== undefined && bp !== null ? (
+        <span className={cn("ml-1 text-xs font-normal", compact && "hidden sm:inline")}>
+          ({formatBp(bp)})
+        </span>
+      ) : null}
+    </span>
+  );
+}
+
+export function Stat({ label, children }: { label: string; children: React.ReactNode }) {
+  return (
+    <div className="min-w-0">
+      <p className="text-xs text-muted-foreground">{label}</p>
+      <div className="font-semibold tabular-nums">{children}</div>
+    </div>
+  );
+}
+
+/** /birikim: toplamlar ve varlık kartları. */
+export function AssetsView({
+  items,
+  totals,
+  canWrite,
+}: {
+  items: AssetView[];
+  totals: AssetTotals;
+  canWrite: boolean;
+}) {
+  const router = useRouter();
+  const [creating, setCreating] = useState(false);
+  const held = items.filter((i) => i.summary.quantity > 0 || i.movementCount === 0);
+  const closed = items.filter((i) => i.summary.quantity === 0 && i.movementCount > 0);
+  const unrealizedBp =
+    totals.costMinor > 0 ? Math.round((totals.unrealizedMinor * 10_000) / totals.costMinor) : null;
+
+  return (
+    <div className="flex flex-col gap-4">
+      <div className="flex flex-wrap justify-end gap-2">
+        <Button variant="ghost" size="sm" asChild>
+          <Link href="/fiyatlar">
+            <Coins />
+            {t.prices}
+          </Link>
+        </Button>
+        {canWrite ? (
+          <Button size="sm" onClick={() => setCreating(true)}>
+            <Plus />
+            {t.new}
+          </Button>
+        ) : null}
+      </div>
+
+      <Card size="sm">
+        <CardContent className="grid grid-cols-2 gap-3 sm:grid-cols-4">
+          <Stat label={t.totals.value}>{formatMoney(totals.valueMinor)}</Stat>
+          <Stat label={t.totals.cost}>{formatMoney(totals.costMinor)}</Stat>
+          <Stat label={t.totals.unrealized}>
+            <ProfitLoss minor={totals.unrealizedMinor} bp={unrealizedBp} />
+          </Stat>
+          <Stat label={t.totals.realized}>
+            <ProfitLoss minor={totals.realizedMinor} />
+          </Stat>
+          {totals.missingPrice ? (
+            <p className="col-span-full text-xs text-muted-foreground">
+              {t.totals.missingPrice(totals.missingPrice)}
+            </p>
+          ) : null}
+        </CardContent>
+      </Card>
+
+      {items.length === 0 ? (
+        <p className="rounded-lg border border-dashed p-6 text-center text-sm text-muted-foreground">
+          {t.empty}
+        </p>
+      ) : null}
+
+      <ul className="flex flex-col gap-2">
+        {held.map((item) => (
+          <AssetRow key={item.id} item={item} />
+        ))}
+      </ul>
+      {closed.length ? (
+        <section className="flex flex-col gap-2">
+          <h2 className="text-sm font-medium text-muted-foreground">{t.closedGroup}</h2>
+          <ul className="flex flex-col gap-2 opacity-70">
+            {closed.map((item) => (
+              <AssetRow key={item.id} item={item} />
+            ))}
+          </ul>
+        </section>
+      ) : null}
+
+      {creating ? (
+        <AssetFormDialog
+          item={null}
+          onClose={() => setCreating(false)}
+          onCreated={(id) => router.push(`/birikim/${id}`)}
+        />
+      ) : null}
+    </div>
+  );
+}
+
+function AssetRow({ item }: { item: AssetView }) {
+  const s = item.summary;
+  return (
+    <li>
+      <Link
+        href={`/birikim/${item.id}`}
+        className="flex items-center gap-3 rounded-xl border bg-card p-3 transition-colors hover:bg-muted/50"
+      >
+        <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-amber-500/15 text-amber-600 dark:text-amber-400">
+          <Coins className="size-4.5" />
+        </span>
+        <div className="flex min-w-0 flex-1 flex-col gap-0.5">
+          <div className="flex items-center justify-between gap-2">
+            <p className="flex min-w-0 items-center gap-1.5 font-medium">
+              <span className="truncate">{item.name}</span>
+              {item.isPrivate ? (
+                <Badge variant="outline" className="shrink-0 gap-1" title={t.privateBadge}>
+                  <Lock className="size-3" />
+                  <span className="hidden sm:inline">{t.privateBadge}</span>
+                </Badge>
+              ) : null}
+            </p>
+            <span className="shrink-0 text-sm font-semibold tabular-nums">
+              {s.currentValueMinor !== null ? formatMoney(s.currentValueMinor) : t.stats.noPrice}
+            </span>
+          </div>
+          <div className="flex items-center justify-between gap-2 text-xs">
+            <p className="min-w-0 truncate text-muted-foreground">
+              {item.label}
+              {s.avgCostMinor !== null
+                ? ` · ${t.stats.avgCost} ${formatMoney(s.avgCostMinor)}`
+                : ""}
+            </p>
+            <span className="shrink-0">
+              {s.quantity > 0 ? (
+                <ProfitLoss minor={s.unrealizedMinor} bp={s.unrealizedBp} compact />
+              ) : (
+                <>
+                  {t.stats.realized}: <ProfitLoss minor={s.realizedMinor} />
+                </>
+              )}
+            </span>
+          </div>
+        </div>
+        <ChevronRight className="size-4 shrink-0 text-muted-foreground" />
+      </Link>
+    </li>
+  );
+}

src/features/assets/components/period-report.tsx

@@ -0,0 +1,204 @@
+"use client";
+
+import Link from "next/link";
+import { CartesianGrid, Line, LineChart, XAxis, YAxis } from "recharts";
+import { Card, CardContent, CardDescription, CardHeader, CardTitle } from "@/components/ui/card";
+import {
+  ChartContainer,
+  ChartLegend,
+  ChartLegendContent,
+  ChartTooltip,
+  ChartTooltipContent,
+  type ChartConfig,
+} from "@/components/ui/chart";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatDate, formatMoney } from "@/shared/format";
+import type { PeriodReport } from "@/shared/portfolio";
+import type { ReportRange } from "../service";
+import { ProfitLoss, Stat } from "./assets-view";
+
+const t = tr.assets.report;
+const RANGES: ReportRange[] = ["3", "6", "12", "tum"];
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+const tickFmt = new Intl.DateTimeFormat("tr-TR", {
+  day: "numeric",
+  month: "short",
+  timeZone: "Europe/Istanbul",
+});
+const compact = new Intl.NumberFormat("tr-TR", { notation: "compact", maximumFractionDigits: 1 });
+
+const config = {
+  value: { label: t.value, color: "var(--budget)" },
+  cost: { label: t.cost, color: "var(--muted-foreground)" },
+} satisfies ChartConfig;
+
+/** Dönem seçici + özet + aylık değer/maliyet grafiği + tablo görünümü. */
+export function PeriodReportView({
+  report,
+  range,
+  basePath,
+}: {
+  report: PeriodReport & { excluded: number };
+  range: ReportRange;
+  basePath: string;
+}) {
+  const data = report.points.map((p) => ({
+    date: p.date,
+    label: tickFmt.format(new Date(`${p.date}T12:00:00+03:00`)),
+    // Kuruş → TL (eksen ve ipucu TL gösterir).
+    value: p.valueMinor === null ? null : p.valueMinor / 100,
+    cost: p.costMinor / 100,
+  }));
+  const hasData = report.points.some((p) => p.costMinor > 0 || (p.valueMinor ?? 0) > 0);
+
+  return (
+    <Card size="sm">
+      <CardHeader>
+        <div className="flex flex-wrap items-start justify-between gap-2">
+          <div>
+            <CardTitle className="text-base">{t.title}</CardTitle>
+            <CardDescription>{t.period(d(report.from), d(report.to))}</CardDescription>
+          </div>
+          <nav aria-label={t.rangeLabel} className="flex rounded-lg bg-muted p-0.5 text-sm">
+            {RANGES.map((r) => (
+              <Link
+                key={r}
+                href={`${basePath}?donem=${r}`}
+                scroll={false}
+                aria-current={r === range ? "page" : undefined}
+                className={cn(
+                  "rounded-md px-2.5 py-1 text-muted-foreground transition-colors",
+                  r === range && "bg-background font-medium text-foreground shadow-sm",
+                )}
+              >
+                {t.ranges[r]}
+              </Link>
+            ))}
+          </nav>
+        </div>
+      </CardHeader>
+      <CardContent className="flex flex-col gap-4">
+        <div className="grid grid-cols-2 gap-3 sm:grid-cols-4">
+          <Stat label={t.startValue}>
+            {report.startValueMinor !== null ? formatMoney(report.startValueMinor) : t.noPrice}
+          </Stat>
+          <Stat label={t.invested}>{formatMoney(report.investedMinor)}</Stat>
+          <Stat label={t.endValue}>
+            {report.endValueMinor !== null ? formatMoney(report.endValueMinor) : t.noPrice}
+          </Stat>
+          <Stat label={t.profit}>
+            <ProfitLoss minor={report.profitMinor} bp={report.profitBp} />
+          </Stat>
+          {report.proceedsMinor ? (
+            <Stat label={t.proceeds}>{formatMoney(report.proceedsMinor)}</Stat>
+          ) : null}
+          {report.giftInMinor ? (
+            <Stat label={t.giftIn}>{formatMoney(report.giftInMinor)}</Stat>
+          ) : null}
+          {report.giftOutMinor ? (
+            <Stat label={t.giftOut}>{formatMoney(report.giftOutMinor)}</Stat>
+          ) : null}
+        </div>
+        <p className="text-xs text-muted-foreground">{t.formula}</p>
+        {report.excluded ? (
+          <p className="text-xs text-muted-foreground">{t.excluded(report.excluded)}</p>
+        ) : null}
+
+        {hasData ? (
+          <>
+            <ChartContainer
+              config={config}
+              className="aspect-auto h-56 w-full sm:h-64"
+              aria-label={t.chartLabel}
+              role="img"
+            >
+              <LineChart data={data} margin={{ left: 4, right: 12, top: 8 }}>
+                <CartesianGrid vertical={false} />
+                <XAxis
+                  dataKey="label"
+                  tickLine={false}
+                  axisLine={false}
+                  tickMargin={8}
+                  minTickGap={16}
+                />
+                <YAxis
+                  tickLine={false}
+                  axisLine={false}
+                  width={48}
+                  tickFormatter={(v: number) => compact.format(v)}
+                />
+                <ChartTooltip
+                  cursor
+                  content={
+                    <ChartTooltipContent
+                      labelFormatter={(_, payload) => {
+                        const date = payload?.[0]?.payload?.date as string | undefined;
+                        return date ? d(date) : "";
+                      }}
+                      formatter={(value, name) => (
+                        <div className="flex w-full items-center justify-between gap-3">
+                          <span className="text-muted-foreground">
+                            {config[name as keyof typeof config]?.label}
+                          </span>
+                          <span className="font-medium text-foreground tabular-nums">
+                            {formatMoney(Math.round(Number(value) * 100))}
+                          </span>
+                        </div>
+                      )}
+                    />
+                  }
+                />
+                <ChartLegend content={<ChartLegendContent />} />
+                <Line
+                  dataKey="cost"
+                  type="stepAfter"
+                  stroke="var(--color-cost)"
+                  strokeWidth={2}
+                  strokeDasharray="4 4"
+                  dot={false}
+                  isAnimationActive={false}
+                />
+                <Line
+                  dataKey="value"
+                  type="linear"
+                  stroke="var(--color-value)"
+                  strokeWidth={2}
+                  dot={false}
+                  activeDot={{ r: 4 }}
+                  connectNulls={false}
+                  isAnimationActive={false}
+                />
+              </LineChart>
+            </ChartContainer>
+            <details className="text-sm">
+              <summary className="cursor-pointer text-xs text-muted-foreground">{t.table}</summary>
+              <table className="mt-2 w-full text-right tabular-nums">
+                <thead className="text-xs text-muted-foreground">
+                  <tr>
+                    <th className="py-1 text-left font-normal">{t.date}</th>
+                    <th className="py-1 font-normal">{t.value}</th>
+                    <th className="py-1 font-normal">{t.cost}</th>
+                  </tr>
+                </thead>
+                <tbody className="divide-y">
+                  {report.points.map((p) => (
+                    <tr key={p.date}>
+                      <td className="py-1 text-left">{d(p.date)}</td>
+                      <td className="py-1">
+                        {p.valueMinor !== null ? formatMoney(p.valueMinor) : t.noPrice}
+                      </td>
+                      <td className="py-1">{formatMoney(p.costMinor)}</td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+            </details>
+          </>
+        ) : (
+          <p className="text-sm text-muted-foreground">{t.empty}</p>
+        )}
+      </CardContent>
+    </Card>
+  );
+}

src/features/assets/service.int.test.ts

@@ -0,0 +1,328 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { listAccounts } from "@/features/accounts/service";
+import { savePrice } from "@/features/in-kind/service";
+import {
+  listTransactions,
+  setTransactionDeleted,
+  updateTransaction,
+} from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import { AccountModel } from "@/models/account";
+import { AssetModel } from "@/models/asset";
+import { AssetMovementModel } from "@/models/asset-movement";
+import { AssetPriceModel } from "@/models/asset-price";
+import { AuditLogModel } from "@/models/audit-log";
+import { TransactionModel } from "@/models/transaction";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+import { assetFormSchema, movementFormSchema } from "@/shared/schemas/asset";
+import { assetPriceFormSchema } from "@/shared/schemas/in-kind";
+import { transactionFilterSchema, transactionFormSchema } from "@/shared/schemas/transaction";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import {
+  addMovement,
+  createAsset,
+  deleteAsset,
+  deleteMovement,
+  getAsset,
+  listAssets,
+  updateAsset,
+} from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let emre = "";
+let zeynep = "";
+let fatma = "";
+const today = todayIstanbul();
+const daysAgo = (n: number) => addDays(today, -n);
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  zeynep = ids.user("zeynep");
+  fatma = ids.user("fatma");
+  // Seed örnekleri bu testin senaryolarını etkilemesin.
+  await Promise.all([
+    AssetPriceModel.deleteMany({}),
+    AssetModel.deleteMany({}),
+    AssetMovementModel.deleteMany({}),
+    TransactionModel.deleteMany({ assetId: { $ne: null } }),
+  ]);
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+async function balance(accountId: string) {
+  return (await listAccounts(ayse, cakir))!.accounts.find((a) => a.id === accountId)!.balanceMinor!;
+}
+const mv = (input: Record<string, unknown>) => movementFormSchema.parse({ date: today, ...input });
+async function asset(name: string, assetKey = "gram_gold", isPrivate = false, by = ayse) {
+  const r = await createAsset(by, cakir, assetFormSchema.parse({ assetKey, name, isPrivate }));
+  return r.ok ? r.data.id : "";
+}
+
+describe("varlık lotları ve ortalama maliyet", () => {
+  let gold = "";
+
+  it("alım hesaptan transfer olarak çıkar; gelir/gider toplamları değişmez", async () => {
+    gold = await asset("Altın birikimi");
+    const ziraat = await acc("Ziraat Maaş");
+    const z0 = await balance(ziraat);
+    const sums0 = (await listTransactions(ayse, cakir, transactionFilterSchema.parse({})))!.sums;
+    const r = await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({
+        kind: "buy",
+        date: daysAgo(60),
+        quantity: "10",
+        amount: "25.000",
+        accountId: ziraat,
+        storage: "Ev kasası",
+      }),
+    );
+    expect(r.ok).toBe(true);
+    expect(await balance(ziraat)).toBe(z0 - 25_000_00);
+    expect((await listTransactions(ayse, cakir, transactionFilterSchema.parse({})))!.sums).toEqual(
+      sums0,
+    );
+    // İşlem listesinde varlık adıyla görünür.
+    const page = (await listTransactions(
+      ayse,
+      cakir,
+      transactionFilterSchema.parse({ q: "Varlık alımı" }),
+    ))!;
+    expect(page.items[0]).toMatchObject({ asset: { id: gold, name: "Altın birikimi" } });
+  });
+
+  it("birim fiyatla alım ve fiyat tablosundan (satış fiyatı) alım; özet", async () => {
+    await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "buy", date: daysAgo(30), quantity: "2", unitPrice: "2.600" }),
+    );
+    // Fiyat yok → reddedilir.
+    expect(
+      (await addMovement(ayse, cakir, gold, mv({ kind: "buy", date: daysAgo(10), quantity: "2" })))
+        .ok,
+    ).toBe(false);
+    await savePrice(
+      ayse,
+      cakir,
+      assetPriceFormSchema.parse({
+        assetKey: "gram_gold",
+        date: daysAgo(10),
+        buy: "2.650",
+        sell: "2.700",
+      }),
+    );
+    expect(
+      (await addMovement(ayse, cakir, gold, mv({ kind: "buy", date: daysAgo(10), quantity: "2" })))
+        .ok,
+    ).toBe(true);
+    await savePrice(
+      ayse,
+      cakir,
+      assetPriceFormSchema.parse({
+        assetKey: "gram_gold",
+        date: today,
+        buy: "3.000",
+        sell: "3.100",
+      }),
+    );
+    const v = (await getAsset(ayse, cakir, gold))!;
+    // 14 gr, 25.000 + 5.200 + 5.400 = 35.600; değer alış 3.000 ile 42.000.
+    expect(v.summary).toMatchObject({
+      quantity: 14_000,
+      costMinor: 35_600_00,
+      investedMinor: 35_600_00,
+      avgCostMinor: 2_542_86,
+      currentValueMinor: 42_000_00,
+      unrealizedMinor: 6_400_00,
+      unrealizedBp: 1798,
+    });
+    expect(v.storage).toBe("Ev kasası");
+    expect(v.movements[0]!.kind).toBe("buy");
+  });
+
+  it("satış: hesaba girer, ortalama maliyetle gerçekleşmiş K/Z; eldekinden fazlası reddedilir", async () => {
+    const cuzdan = await acc("Cüzdan");
+    const c0 = await balance(cuzdan);
+    expect(
+      (await addMovement(ayse, cakir, gold, mv({ kind: "sell", quantity: "15", amount: "1" }))).ok,
+    ).toBe(false);
+    // Geçmiş tarihli satış o tarihteki miktarla sınırlı (60 gün önce yalnızca 10 gr vardı).
+    expect(
+      (
+        await addMovement(
+          ayse,
+          cakir,
+          gold,
+          mv({ kind: "sell", date: daysAgo(45), quantity: "11", amount: "1" }),
+        )
+      ).ok,
+    ).toBe(false);
+    const r = await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "sell", quantity: "4", amount: "12.000", accountId: cuzdan }),
+    );
+    expect(r.ok).toBe(true);
+    expect(await balance(cuzdan)).toBe(c0 + 12_000_00);
+    const v = (await getAsset(ayse, cakir, gold))!;
+    // 4 gr maliyeti: 35.600 × 4/14 = 10.171,43 → K/Z 1.828,57
+    expect(v.movements[0]).toMatchObject({
+      kind: "sell",
+      costOutMinor: 10_171_43,
+      realizedMinor: 1_828_57,
+      quantityAfter: 10_000,
+    });
+    expect(v.summary.realizedMinor).toBe(1_828_57);
+    expect(v.summary.proceedsMinor).toBe(12_000_00);
+  });
+
+  it("hediye çıkışı K/Z yazmaz, hesap hareketi oluşturmaz", async () => {
+    const before = (await getAsset(ayse, cakir, gold))!.summary;
+    const r = await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "gift_out", quantity: "1", note: "Yeğene" }),
+    );
+    expect(r.ok).toBe(true);
+    const m = await AssetMovementModel.findById(r.ok ? r.data.id : "").lean();
+    expect(m).toMatchObject({ amountMinor: 0, transactionId: null });
+    const after = (await getAsset(ayse, cakir, gold))!.summary;
+    expect(after.quantity).toBe(9_000);
+    expect(after.realizedMinor).toBe(before.realizedMinor);
+    expect(after.avgCostMinor).toBe(before.avgCostMinor);
+  });
+
+  it("bağlı işlem tek başına düzenlenemez/silinemez; hareket silinince işlem de silinir", async () => {
+    const tx = (await AssetMovementModel.findOne({ assetId: gold, kind: "sell" }).lean())!;
+    const txId = String(tx.transactionId);
+    const locked = { ok: false, error: tr.transactions.assetLocked };
+    expect(await setTransactionDeleted(ayse, cakir, txId, true)).toMatchObject(locked);
+    const edit = transactionFormSchema.parse({
+      type: "transfer",
+      date: today,
+      amount: "1",
+      accountId: await acc("Cüzdan"),
+      toAccountId: await acc("Ziraat Maaş"),
+    });
+    expect(await updateTransaction(ayse, cakir, txId, edit)).toMatchObject(locked);
+
+    const cuzdan = await acc("Cüzdan");
+    const c0 = await balance(cuzdan);
+    expect((await deleteMovement(ayse, cakir, String(tx._id))).ok).toBe(true);
+    expect(await balance(cuzdan)).toBe(c0 - 12_000_00);
+    expect(
+      await AuditLogModel.exists({ action: "asset.movement.delete", targetId: String(tx._id) }),
+    ).toBeTruthy();
+    expect((await getAsset(ayse, cakir, gold))!.summary.realizedMinor).toBe(0);
+  });
+
+  it("silinince sonraki çıkış eldekini aşacaksa reddedilir; hareketli varlık silinemez", async () => {
+    const first = (await AssetMovementModel.findOne({ assetId: gold, kind: "buy" })
+      .sort({ date: 1 })
+      .lean())!;
+    // Kalan: 10 + 2 + 2 alım, bugün 1 gr çıkış. Sonraki alımlar silinebilir; ilk alım silinirse
+    // çıkış eldekini aşar → reddedilir.
+    const buys = await AssetMovementModel.find({ assetId: gold, kind: "buy", deletedAt: null })
+      .sort({ date: -1 })
+      .lean();
+    expect(buys.at(-1)!._id.equals(first._id)).toBe(true);
+    for (const b of buys.slice(0, -1))
+      expect((await deleteMovement(ayse, cakir, String(b._id))).ok).toBe(true);
+    expect((await deleteMovement(ayse, cakir, String(first._id))).ok).toBe(false);
+    expect((await deleteAsset(ayse, cakir, gold)).ok).toBe(false);
+    expect(
+      (await updateAsset(ayse, cakir, gold, assetFormSchema.parse({ assetKey: "usd", name: "X" })))
+        .ok,
+    ).toBe(false);
+  });
+
+  it("gelen hediye: maliyet o günkü alış fiyatı, yatırım sayılmaz", async () => {
+    const z = await asset("Düğün ziynetleri", "quarter_gold");
+    await savePrice(
+      ayse,
+      cakir,
+      assetPriceFormSchema.parse({ assetKey: "quarter_gold", date: daysAgo(100), buy: "5.000" }),
+    );
+    expect(
+      movementFormSchema.safeParse({
+        kind: "gift_in",
+        date: today,
+        quantity: "1",
+        accountId: await acc("Cüzdan"),
+      }).success,
+    ).toBe(false);
+    expect(
+      (await addMovement(ayse, cakir, z, mv({ kind: "gift_in", date: daysAgo(90), quantity: "4" })))
+        .ok,
+    ).toBe(true);
+    const v = (await getAsset(ayse, cakir, z))!;
+    expect(v.summary).toMatchObject({ quantity: 4_000, costMinor: 20_000_00, investedMinor: 0 });
+    // Güncel değer: bugünden önceki en yakın fiyat.
+    expect(v.summary.currentValueMinor).toBe(20_000_00);
+  });
+});
+
+describe("görünürlük ve yetki", () => {
+  it("gizli varlık ve bağlı işlemi başkasına görünmez; izleyici yazamaz; başka hane göremez", async () => {
+    const secret = await asset("Emre dolar", "usd", true, emre);
+    await savePrice(
+      emre,
+      cakir,
+      assetPriceFormSchema.parse({ assetKey: "usd", date: today, buy: "40" }),
+    );
+    const r = await addMovement(
+      emre,
+      cakir,
+      secret,
+      mv({ kind: "buy", quantity: "100", amount: "4.000", accountId: await acc("Cüzdan") }),
+    );
+    expect(r.ok).toBe(true);
+    expect((await listAssets(emre, cakir))!.items.some((a) => a.id === secret)).toBe(true);
+    expect((await listAssets(ayse, cakir))!.items.some((a) => a.id === secret)).toBe(false);
+    expect(await getAsset(ayse, cakir, secret)).toBeNull();
+    const ayseTx = (await listTransactions(
+      ayse,
+      cakir,
+      transactionFilterSchema.parse({ q: "Emre dolar" }),
+    ))!;
+    expect(ayseTx.total).toBe(0);
+    expect(
+      (await addMovement(ayse, cakir, secret, mv({ kind: "gift_out", quantity: "1" }))).ok,
+    ).toBe(false);
+
+    const shared = (await listAssets(ayse, cakir))!.items[0]!.id;
+    expect(
+      (await addMovement(zeynep, cakir, shared, mv({ kind: "gift_out", quantity: "1" }))).ok,
+    ).toBe(false);
+    expect((await listAssets(zeynep, cakir))!.canWrite).toBe(false);
+    expect(await listAssets(fatma, cakir)).toBeNull();
+    expect(await getAsset(fatma, cakir, shared)).toBeNull();
+  });
+
+  it("toplamlar: fiyatı olmayan varlık toplam değere katılmaz", async () => {
+    const eur = await asset("Euro kumbara", "eur");
+    await addMovement(ayse, cakir, eur, mv({ kind: "gift_in", quantity: "50", amount: "2.400" }));
+    const data = (await listAssets(ayse, cakir))!;
+    expect(data.totals.missingPrice).toBe(1);
+    const withPrice = data.items.filter((i) => i.summary.currentValueMinor !== null);
+    expect(data.totals.valueMinor).toBe(
+      withPrice.reduce((a, i) => a + (i.summary.currentValueMinor ?? 0), 0),
+    );
+  });
+});

src/features/assets/service.ts

@@ -0,0 +1,543 @@
+import "server-only";
+import mongoose, { Types } from "mongoose";
+import { hasHouseholdRole } from "@/features/households/roles";
+import { buyPriceLookup, priceOn, type PriceQuote } from "@/features/in-kind/prices";
+import { loadContext, type Ctx } from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { writeAudit } from "@/lib/audit";
+import { toObjectId } from "@/lib/object-id";
+import { AssetModel } from "@/models/asset";
+import { AssetMovementModel } from "@/models/asset-movement";
+import { TransactionModel } from "@/models/transaction";
+import { formatAssetQuantity, valueOf, type AssetKey } from "@/shared/assets";
+import { istanbulDayStart, todayIstanbul } from "@/shared/dates";
+import {
+  holdingSummary,
+  periodReport,
+  runMovements,
+  sumReports,
+  type HoldingSummary,
+  type MovementKind,
+  type PeriodReport,
+} from "@/shared/portfolio";
+import { addDays, addMonths } from "@/shared/recurrence";
+import { QUANTITY_SCALE } from "@/shared/quantity";
+import type { AssetForm, MovementForm } from "@/shared/schemas/asset";
+import { compareTr, foldTr } from "@/shared/search";
+
+/**
+ * Birikim ve varlık takibi (Bölüm 6.6). Okuma: viewer; yazma: member. Varlıklar hane ortaktır;
+ * "yalnızca ben" işaretli varlık ve hareketleri (bağlı hesap işlemleri dahil) yalnızca sahibine
+ * görünür. Değerleme alış fiyatıyla (Faz 0). Alım/satış hesaba bağlıysa transfer işlemi oluşur.
+ */
+
+const t = tr.assets;
+
+type AssetDoc = {
+  _id: Types.ObjectId;
+  assetKey: AssetKey;
+  name: string;
+  note: string;
+  isPrivate: boolean;
+  ownerUserId?: Types.ObjectId | null;
+};
+
+type MovementDoc = {
+  _id: Types.ObjectId;
+  assetId: Types.ObjectId;
+  kind: MovementKind;
+  date: string;
+  quantity: number;
+  unitPriceMinor?: number | null;
+  amountMinor: number;
+  accountId?: Types.ObjectId | null;
+  transactionId?: Types.ObjectId | null;
+  storage: string;
+  note: string;
+  inKindDebtId?: Types.ObjectId | null;
+  createdAt: Date;
+};
+
+export type AssetView = {
+  id: string;
+  assetKey: AssetKey;
+  name: string;
+  note: string;
+  isPrivate: boolean;
+  label: string;
+  price: PriceQuote | null;
+  summary: HoldingSummary;
+  /** Son alımın saklama yeri. */
+  storage: string;
+  movementCount: number;
+};
+
+export type AssetTotals = {
+  valueMinor: number;
+  costMinor: number;
+  unrealizedMinor: number;
+  realizedMinor: number;
+  /** Fiyatı olmadığı için toplam değere katılmayan (elde miktarı olan) varlık sayısı. */
+  missingPrice: number;
+};
+
+export type MovementRow = {
+  id: string;
+  kind: MovementKind;
+  date: string;
+  quantity: number;
+  unitPriceMinor: number | null;
+  amountMinor: number;
+  account: string | null;
+  storage: string;
+  note: string;
+  costOutMinor: number;
+  realizedMinor: number;
+  quantityAfter: number;
+  fromInKind: boolean;
+};
+
+export type AssetDetail = AssetView & { movements: MovementRow[]; canWrite: boolean };
+
+const sortMovements = (a: MovementDoc, b: MovementDoc) =>
+  a.date === b.date ? a.createdAt.getTime() - b.createdAt.getTime() : a.date < b.date ? -1 : 1;
+
+function visibleAsset(ctx: Ctx, id: Types.ObjectId | string) {
+  const a = ctx.assetMap.get(String(id));
+  return a && !a.hidden && !a.deleted ? a : null;
+}
+
+async function loadMovements(householdId: Types.ObjectId, assetIds: Types.ObjectId[]) {
+  const docs = await AssetMovementModel.find({
+    householdId,
+    assetId: { $in: assetIds },
+    deletedAt: null,
+  }).lean<MovementDoc[]>();
+  const by = new Map<string, MovementDoc[]>();
+  for (const m of docs) {
+    const list = by.get(String(m.assetId)) ?? [];
+    list.push(m);
+    by.set(String(m.assetId), list);
+  }
+  for (const list of by.values()) list.sort(sortMovements);
+  return by;
+}
+
+function toView(a: AssetDoc, movements: MovementDoc[], price: PriceQuote | null): AssetView {
+  const run = runMovements(movements);
+  const summary = holdingSummary(run, price?.buyMinor ?? null);
+  const storage = [...movements].reverse().find((m) => m.storage)?.storage ?? "";
+  return {
+    id: String(a._id),
+    assetKey: a.assetKey,
+    name: a.name,
+    note: a.note,
+    isPrivate: a.isPrivate,
+    label: formatAssetQuantity(a.assetKey, summary.quantity),
+    price,
+    summary,
+    storage,
+    movementCount: movements.length,
+  };
+}
+
+/** Görünür varlıklar ve toplamlar (net varlık ve dashboard da kullanır). */
+export async function listAssets(
+  userId: string,
+  householdId: string,
+): Promise<{ items: AssetView[]; totals: AssetTotals; canWrite: boolean } | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  return { ...(await assetViews(ctx)), canWrite: hasHouseholdRole(ctx.m.role, "member") };
+}
+
+export async function assetViews(ctx: Ctx, date = todayIstanbul()) {
+  const docs = (
+    await AssetModel.find({ householdId: ctx.m.householdId, deletedAt: null }).lean<AssetDoc[]>()
+  ).filter((a) => visibleAsset(ctx, a._id));
+  const movements = await loadMovements(
+    ctx.m.householdId,
+    docs.map((a) => a._id),
+  );
+  const prices = new Map<string, PriceQuote | null>();
+  for (const key of new Set(docs.map((a) => a.assetKey)))
+    prices.set(key, await priceOn(ctx.m.householdId, key, date));
+  const items = docs
+    .map((a) => toView(a, movements.get(String(a._id)) ?? [], prices.get(a.assetKey) ?? null))
+    .sort(
+      (x, y) =>
+        Number(y.summary.quantity > 0) - Number(x.summary.quantity > 0) ||
+        (y.summary.currentValueMinor ?? 0) - (x.summary.currentValueMinor ?? 0) ||
+        compareTr(x.name, y.name),
+    );
+  const totals: AssetTotals = {
+    valueMinor: 0,
+    costMinor: 0,
+    unrealizedMinor: 0,
+    realizedMinor: 0,
+    missingPrice: 0,
+  };
+  for (const v of items) {
+    totals.realizedMinor += v.summary.realizedMinor;
+    if (v.summary.quantity === 0) continue;
+    if (v.summary.currentValueMinor === null) {
+      totals.missingPrice++;
+      continue;
+    }
+    totals.valueMinor += v.summary.currentValueMinor;
+    totals.costMinor += v.summary.costMinor;
+    totals.unrealizedMinor += v.summary.unrealizedMinor ?? 0;
+  }
+  return { items, totals };
+}
+
+async function loadAsset(ctx: Ctx, assetId: string) {
+  const id = toObjectId(assetId);
+  if (!id || !visibleAsset(ctx, id)) return null;
+  return AssetModel.findOne({
+    _id: id,
+    householdId: ctx.m.householdId,
+    deletedAt: null,
+  }).lean<AssetDoc>();
+}
+
+export async function getAsset(
+  userId: string,
+  householdId: string,
+  assetId: string,
+): Promise<AssetDetail | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const a = await loadAsset(ctx, assetId);
+  if (!a) return null;
+  const movements = (await loadMovements(ctx.m.householdId, [a._id])).get(String(a._id)) ?? [];
+  const price = await priceOn(ctx.m.householdId, a.assetKey, todayIstanbul());
+  const run = runMovements(movements);
+  const rows = movements.map((m, i): MovementRow => {
+    const acc = m.accountId ? ctx.accountMap.get(String(m.accountId)) : undefined;
+    const step = run.steps[i]!;
+    return {
+      id: String(m._id),
+      kind: m.kind,
+      date: m.date,
+      quantity: m.quantity,
+      unitPriceMinor: m.unitPriceMinor ?? null,
+      amountMinor: m.amountMinor,
+      account: acc ? (acc.hidden ? tr.transactions.list.hiddenAccount : acc.name) : null,
+      storage: m.storage,
+      note: m.note,
+      costOutMinor: step.costOutMinor,
+      realizedMinor: step.realizedMinor,
+      quantityAfter: step.quantityAfter,
+      fromInKind: Boolean(m.inKindDebtId),
+    };
+  });
+  return {
+    ...toView(a, movements, price),
+    movements: rows.reverse(),
+    canWrite: hasHouseholdRole(ctx.m.role, "member"),
+  };
+}
+
+// --- Varlık kaydı ---
+
+export async function createAsset(
+  actorId: string,
+  householdId: string,
+  input: AssetForm,
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const actor = new Types.ObjectId(actorId);
+  const doc = await AssetModel.create({
+    householdId: ctx.m.householdId,
+    assetKey: input.assetKey,
+    name: input.name,
+    note: input.note,
+    isPrivate: input.isPrivate,
+    ownerUserId: input.isPrivate ? actor : null,
+    createdBy: actor,
+    updatedBy: actor,
+  });
+  return ok({ id: String(doc._id) });
+}
+
+export async function updateAsset(
+  actorId: string,
+  householdId: string,
+  assetId: string,
+  input: AssetForm,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const a = await loadAsset(ctx, assetId);
+  if (!a) return fail(tr.common.notFound);
+  if (
+    input.assetKey !== a.assetKey &&
+    (await AssetMovementModel.exists({ assetId: a._id, deletedAt: null }))
+  )
+    return fail(t.errors.assetKeyLocked, { assetKey: t.errors.assetKeyLocked });
+  const actor = new Types.ObjectId(actorId);
+  const owner = a.ownerUserId ?? (input.isPrivate ? actor : null);
+  await AssetModel.updateOne(
+    { _id: a._id, householdId: ctx.m.householdId },
+    {
+      $set: {
+        assetKey: input.assetKey,
+        name: input.name,
+        note: input.note,
+        isPrivate: input.isPrivate,
+        ownerUserId: input.isPrivate ? owner : null,
+        updatedBy: actor,
+      },
+    },
+  );
+  return ok(undefined);
+}
+
+export async function deleteAsset(
+  actorId: string,
+  householdId: string,
+  assetId: string,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const a = await loadAsset(ctx, assetId);
+  if (!a) return fail(tr.common.notFound);
+  if (await AssetMovementModel.exists({ assetId: a._id, deletedAt: null }))
+    return fail(t.errors.hasMovements);
+  const actor = new Types.ObjectId(actorId);
+  await AssetModel.updateOne({ _id: a._id }, { $set: { deletedAt: new Date(), updatedBy: actor } });
+  await writeAudit({
+    action: "asset.delete",
+    actorId: actor,
+    householdId: ctx.m.householdId,
+    targetType: "asset",
+    targetId: String(a._id),
+    diff: { name: a.name, assetKey: a.assetKey },
+  });
+  return ok(undefined);
+}
+
+// --- Hareketler ---
+
+function checkAccount(ctx: Ctx, id: string | null) {
+  if (!id) return null;
+  const a = ctx.accountMap.get(id);
+  return a && !a.hidden && !a.archived ? a : null;
+}
+
+/** Tutar ve birim fiyatı tamamlar (bkz. movementFormSchema). */
+async function resolveAmount(
+  householdId: Types.ObjectId,
+  assetKey: AssetKey,
+  input: MovementForm,
+): Promise<{ unitPriceMinor: number | null; amountMinor: number } | null> {
+  if (input.kind === "gift_out") return { unitPriceMinor: null, amountMinor: 0 };
+  if (input.amount !== null)
+    return {
+      amountMinor: input.amount,
+      unitPriceMinor:
+        input.unitPrice ?? Math.round((input.amount * QUANTITY_SCALE) / input.quantity),
+    };
+  let unit = input.unitPrice;
+  if (unit === null) {
+    const p = await priceOn(householdId, assetKey, input.date);
+    // Alımda kurumun satış fiyatı ödenir; satış ve hediye değeri alış fiyatıyla.
+    unit = p ? (input.kind === "buy" ? p.sellMinor : p.buyMinor) : null;
+  }
+  if (unit === null) return null;
+  return { unitPriceMinor: unit, amountMinor: valueOf(input.quantity, unit) };
+}
+
+export async function addMovement(
+  actorId: string,
+  householdId: string,
+  assetId: string,
+  input: MovementForm,
+  opts: { inKindDebtId?: Types.ObjectId; session?: mongoose.ClientSession } = {},
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const a = await loadAsset(ctx, assetId);
+  if (!a) return fail(tr.common.notFound);
+  if (input.date > todayIstanbul()) return fail(t.errors.futureDate, { date: t.errors.futureDate });
+  const date = istanbulDayStart(input.date);
+  if (!date) return fail(tr.validation.date, { date: tr.validation.date });
+  const account = checkAccount(ctx, input.accountId);
+  if (input.accountId && !account)
+    return fail(tr.transactions.validation.accountInvalid, {
+      accountId: tr.transactions.validation.accountInvalid,
+    });
+  const amount = await resolveAmount(ctx.m.householdId, a.assetKey, input);
+  if (!amount) return fail(t.errors.noPrice, { amount: t.errors.noPrice });
+
+  // Eldeki miktar: yeni hareket aynı günün sonuna eklenmiş gibi doğrulanır.
+  const existing = (await loadMovements(ctx.m.householdId, [a._id])).get(String(a._id)) ?? [];
+  const now = new Date();
+  const candidate = [
+    ...existing,
+    { kind: input.kind, date: input.date, quantity: input.quantity, createdAt: now } as MovementDoc,
+  ]
+    .map((m) => ({ ...m, amountMinor: m.amountMinor ?? 0 }))
+    .sort(sortMovements);
+  if (runMovements(candidate).negativeAt !== null)
+    return fail(t.errors.insufficient, { quantity: t.errors.insufficient });
+
+  const actor = new Types.ObjectId(actorId);
+  const movementId = new Types.ObjectId();
+  const label = formatAssetQuantity(a.assetKey, input.quantity);
+  const write = async (session: mongoose.ClientSession) => {
+    let transactionId: Types.ObjectId | null = null;
+    if (account && amount.amountMinor > 0 && (input.kind === "buy" || input.kind === "sell")) {
+      const out = input.kind === "buy";
+      const description = t.txDescription[input.kind](label, a.name);
+      const [tx] = await TransactionModel.create(
+        [
+          {
+            householdId: ctx.m.householdId,
+            type: "transfer",
+            status: "posted",
+            date,
+            // Alım hesaptan çıkar (varlığa); satış hesaba girer (varlıktan).
+            accountId: out ? account.id : null,
+            toAccountId: out ? null : account.id,
+            amountMinor: amount.amountMinor,
+            description,
+            searchText: foldTr(description),
+            assetId: a._id,
+            createdBy: actor,
+            updatedBy: actor,
+          },
+        ],
+        { session },
+      );
+      transactionId = tx!._id;
+    }
+    await AssetMovementModel.create(
+      [
+        {
+          _id: movementId,
+          householdId: ctx.m.householdId,
+          assetId: a._id,
+          kind: input.kind,
+          date: input.date,
+          quantity: input.quantity,
+          unitPriceMinor: amount.unitPriceMinor,
+          amountMinor: amount.amountMinor,
+          accountId: account && transactionId ? account.id : null,
+          transactionId,
+          storage: input.storage,
+          note: input.note,
+          inKindDebtId: opts.inKindDebtId ?? null,
+          createdBy: actor,
+          createdAt: now,
+        },
+      ],
+      { session },
+    );
+  };
+  if (opts.session) await write(opts.session);
+  else await mongoose.connection.transaction(write);
+  return ok({ id: String(movementId) });
+}
+
+export async function deleteMovement(
+  actorId: string,
+  householdId: string,
+  movementId: string,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = toObjectId(movementId);
+  if (!id) return fail(tr.common.notFound);
+  const m = await AssetMovementModel.findOne({
+    _id: id,
+    householdId: ctx.m.householdId,
+    deletedAt: null,
+  }).lean<MovementDoc>();
+  if (!m || !visibleAsset(ctx, m.assetId)) return fail(tr.common.notFound);
+  const rest = (
+    (await loadMovements(ctx.m.householdId, [m.assetId])).get(String(m.assetId)) ?? []
+  ).filter((x) => !x._id.equals(m._id));
+  if (runMovements(rest).negativeAt !== null) return fail(t.errors.deleteBreaks);
+  const actor = new Types.ObjectId(actorId);
+  await mongoose.connection.transaction(async (session) => {
+    const now = new Date();
+    await AssetMovementModel.updateOne({ _id: m._id }, { $set: { deletedAt: now } }, { session });
+    if (m.transactionId)
+      await TransactionModel.updateOne(
+        { _id: m.transactionId, householdId: ctx.m.householdId },
+        { $set: { deletedAt: now, updatedBy: actor } },
+        { session },
+      );
+    await writeAudit(
+      {
+        action: "asset.movement.delete",
+        actorId: actor,
+        householdId: ctx.m.householdId,
+        targetType: "assetMovement",
+        targetId: String(m._id),
+        diff: { kind: m.kind, quantity: m.quantity, amountMinor: m.amountMinor, date: m.date },
+      },
+      session,
+    );
+  });
+  return ok(undefined);
+}
+
+// --- Dönemsel rapor ---
+
+export const REPORT_RANGES = ["3", "6", "12", "tum"] as const;
+export type ReportRange = (typeof REPORT_RANGES)[number];
+
+/**
+ * Seçilen aralıkta (son N ay veya ilk hareketten bugüne) yatırılan TL, dönem sonu değer,
+ * kâr/zarar ve aylık değer noktaları. `assetId` verilirse yalnızca o varlık, yoksa tüm görünür
+ * varlıkların toplamı.
+ */
+export async function getPeriodReport(
+  userId: string,
+  householdId: string,
+  range: ReportRange,
+  assetId?: string,
+): Promise<(PeriodReport & { excluded: number }) | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  let docs: AssetDoc[];
+  if (assetId) {
+    const a = await loadAsset(ctx, assetId);
+    if (!a) return null;
+    docs = [a];
+  } else {
+    docs = (
+      await AssetModel.find({ householdId: ctx.m.householdId, deletedAt: null }).lean<AssetDoc[]>()
+    ).filter((a) => visibleAsset(ctx, a._id));
+  }
+  const movements = await loadMovements(
+    ctx.m.householdId,
+    docs.map((a) => a._id),
+  );
+  const to = todayIstanbul();
+  let from: string;
+  if (range === "tum") {
+    const first = [...movements.values()]
+      .flat()
+      .map((m) => m.date)
+      .sort()[0];
+    from = first && first < to ? first : addDays(to, -1);
+  } else from = addMonths(to, -Number(range));
+  const price = await buyPriceLookup(
+    ctx.m.householdId,
+    [...new Set(docs.map((a) => a.assetKey))],
+    to,
+  );
+  const reports = docs.map((a) =>
+    periodReport(movements.get(String(a._id)) ?? [], (date) => price(a.assetKey, date), from, to),
+  );
+  if (assetId) return { ...reports[0]!, excluded: 0 };
+  // Toplamda fiyatı eksik varlıklar (kâr hesaplanamayan) dışarıda bırakılır ve sayılır.
+  const priced = reports.filter((r) => r.profitMinor !== null);
+  return { ...sumReports(priced, from, to), excluded: reports.length - priced.length };
+}

src/features/attachments/components/attachment-picker.tsx

@@ -0,0 +1,168 @@
+"use client";
+
+import { Loader2, Paperclip, X } from "lucide-react";
+import { useRef, useState } from "react";
+import { Button } from "@/components/ui/button";
+import { tr } from "@/i18n/tr";
+import type { ActionResult } from "@/lib/action-result";
+import { cn } from "@/lib/utils";
+import {
+  acceptAttribute,
+  MAX_ATTACHMENTS_PER_RECORD,
+  type AttachmentKind,
+} from "@/shared/attachments";
+import type { AttachmentInfo } from "../service";
+import { AttachmentThumb } from "./attachment-strip";
+import { AttachmentViewer } from "./attachment-viewer";
+
+const t = tr.attachments;
+
+/** Tek dosyayı /api/files'a yükler. */
+async function uploadFile(file: File): Promise<ActionResult<AttachmentInfo>> {
+  const body = new FormData();
+  body.append("file", file);
+  try {
+    const res = await fetch("/api/files", { method: "POST", body });
+    return (await res.json()) as ActionResult<AttachmentInfo>;
+  } catch {
+    return { ok: false, error: t.errors.upload };
+  }
+}
+
+/**
+ * Formdaki küçük "Ek ekle" alanı (Bölüm 6.3): seçilen dosyalar hemen yüklenir (bekleyen ek),
+ * küçük önizleme ve sayaç gösterilir; kayıt kaydedilince ekler kayda bağlanır.
+ */
+export function AttachmentPicker({
+  value,
+  onChange,
+  allowedKinds,
+  onBusyChange,
+}: {
+  value: AttachmentInfo[];
+  onChange: (items: AttachmentInfo[]) => void;
+  allowedKinds: readonly AttachmentKind[];
+  onBusyChange?: (busy: boolean) => void;
+}) {
+  const inputRef = useRef<HTMLInputElement>(null);
+  const [uploading, setUploading] = useState(0);
+  const [errors, setErrors] = useState<string[]>([]);
+  const [viewer, setViewer] = useState<number | null>(null);
+  const invalid = value.filter((a) => !allowedKinds.includes(a.kind));
+  const room = MAX_ATTACHMENTS_PER_RECORD - value.length;
+
+  async function onFiles(files: FileList | null) {
+    if (!files?.length) return;
+    const list = [...files];
+    const accepted = list.slice(0, Math.max(0, room));
+    const nextErrors: string[] = [];
+    if (list.length > accepted.length)
+      nextErrors.push(t.errors.tooMany(MAX_ATTACHMENTS_PER_RECORD));
+    setUploading(accepted.length);
+    onBusyChange?.(true);
+    let items = value;
+    for (const file of accepted) {
+      const result = await uploadFile(file);
+      if (result.ok) {
+        items = [...items, result.data];
+        onChange(items);
+      } else {
+        nextErrors.push(`${file.name}: ${result.error}`);
+      }
+      setUploading((n) => n - 1);
+    }
+    setErrors(nextErrors);
+    onBusyChange?.(false);
+    if (inputRef.current) inputRef.current.value = "";
+  }
+
+  function remove(id: string) {
+    onChange(value.filter((a) => a.id !== id));
+  }
+
+  return (
+    <div className="flex flex-col gap-2">
+      <div className="flex flex-wrap items-center gap-2">
+        <Button
+          type="button"
+          variant="outline"
+          size="sm"
+          onClick={() => inputRef.current?.click()}
+          disabled={room <= 0 || uploading > 0}
+        >
+          {uploading > 0 ? <Loader2 className="animate-spin" /> : <Paperclip />}
+          {uploading > 0 ? t.uploading : t.add}
+        </Button>
+        <span className="text-xs text-muted-foreground">
+          {value.length
+            ? t.count(value.length)
+            : allowedKinds.includes("pdf")
+              ? t.addHint.imagePdf
+              : t.addHint.image}
+        </span>
+        <input
+          ref={inputRef}
+          type="file"
+          multiple
+          accept={acceptAttribute(allowedKinds)}
+          className="sr-only"
+          tabIndex={-1}
+          aria-label={t.add}
+          onChange={(e) => onFiles(e.target.files)}
+        />
+      </div>
+
+      {value.length || uploading ? (
+        <ul className="flex flex-wrap gap-1.5">
+          {value.map((item, i) => (
+            <li key={item.id} className="relative">
+              <AttachmentThumb
+                item={item}
+                className={cn(
+                  "size-10",
+                  !allowedKinds.includes(item.kind) && "border-destructive ring-1 ring-destructive",
+                )}
+                onClick={() => setViewer(i)}
+              />
+              <button
+                type="button"
+                onClick={() => remove(item.id)}
+                className="absolute -top-1.5 -right-1.5 flex size-5 items-center justify-center rounded-full border bg-background text-muted-foreground shadow-sm hover:text-foreground"
+                aria-label={`${t.remove}: ${item.name}`}
+              >
+                <X className="size-3" />
+              </button>
+            </li>
+          ))}
+          {Array.from({ length: uploading }, (_, i) => (
+            <li
+              key={`up-${i}`}
+              className="flex size-10 items-center justify-center rounded-md border border-dashed"
+              aria-label={t.uploading}
+            >
+              <Loader2 className="size-4 animate-spin text-muted-foreground" />
+            </li>
+          ))}
+        </ul>
+      ) : null}
+
+      {invalid.length ? (
+        <p className="text-xs text-destructive" role="alert">
+          {t.errors.kindNotAllowed}
+        </p>
+      ) : null}
+      {errors.map((e) => (
+        <p key={e} className="text-xs text-destructive" role="alert">
+          {e}
+        </p>
+      ))}
+
+      <AttachmentViewer
+        items={value}
+        startIndex={viewer ?? 0}
+        open={viewer !== null}
+        onOpenChange={(open) => !open && setViewer(null)}
+      />
+    </div>
+  );
+}

src/features/attachments/components/attachment-strip.tsx

@@ -0,0 +1,75 @@
+"use client";
+
+import { FileText, Paperclip } from "lucide-react";
+import { useState } from "react";
+import { tr } from "@/i18n/tr";
+import type { AttachmentInfo } from "../service";
+import { AttachmentViewer } from "./attachment-viewer";
+
+const t = tr.attachments;
+const VISIBLE = 4;
+
+/** Ayrıntıda küçük önizleme şeridi (en fazla 4 + "+N"); tıklayınca görüntüleyici açılır. */
+export function AttachmentStrip({ items }: { items: AttachmentInfo[] }) {
+  const [viewer, setViewer] = useState<number | null>(null);
+  if (!items.length) return null;
+  const shown = items.slice(0, VISIBLE);
+  const rest = items.length - shown.length;
+
+  return (
+    <div className="flex items-center gap-2">
+      <Paperclip className="size-4 shrink-0 text-muted-foreground" aria-hidden />
+      <span className="sr-only">{t.count(items.length)}</span>
+      <ul className="flex gap-1.5">
+        {shown.map((item, i) => (
+          <li key={item.id} className="relative">
+            <AttachmentThumb item={item} onClick={() => setViewer(i)} />
+            {rest > 0 && i === shown.length - 1 ? (
+              <button
+                type="button"
+                onClick={() => setViewer(i + 1)}
+                className="absolute inset-0 flex items-center justify-center rounded-md bg-black/55 text-sm font-medium text-white"
+                aria-label={`${t.viewerTitle}: ${t.moreCount(rest)}`}
+              >
+                {t.moreCount(rest)}
+              </button>
+            ) : null}
+          </li>
+        ))}
+      </ul>
+      <AttachmentViewer
+        items={items}
+        startIndex={viewer ?? 0}
+        open={viewer !== null}
+        onOpenChange={(open) => !open && setViewer(null)}
+      />
+    </div>
+  );
+}
+
+export function AttachmentThumb({
+  item,
+  onClick,
+  className = "size-12",
+}: {
+  item: AttachmentInfo;
+  onClick?: () => void;
+  className?: string;
+}) {
+  return (
+    <button
+      type="button"
+      onClick={onClick}
+      title={item.name}
+      aria-label={item.name}
+      className={`${className} flex items-center justify-center overflow-hidden rounded-md border bg-muted focus-visible:ring-2 focus-visible:ring-ring focus-visible:outline-none`}
+    >
+      {item.thumbUrl ? (
+        // eslint-disable-next-line @next/next/no-img-element -- yetkili özel dosya
+        <img src={item.thumbUrl} alt="" className="size-full object-cover" loading="lazy" />
+      ) : (
+        <FileText className="size-5 text-muted-foreground" aria-hidden />
+      )}
+    </button>
+  );
+}

src/features/attachments/components/attachment-viewer.tsx

@@ -0,0 +1,170 @@
+"use client";
+
+import { Download, ExternalLink, FileText, Maximize, Minimize } from "lucide-react";
+import { useEffect, useRef, useState } from "react";
+import { Button } from "@/components/ui/button";
+import {
+  Carousel,
+  CarouselContent,
+  CarouselItem,
+  CarouselNext,
+  CarouselPrevious,
+  type CarouselApi,
+} from "@/components/ui/carousel";
+import { Dialog, DialogContent, DialogDescription, DialogTitle } from "@/components/ui/dialog";
+import { tr } from "@/i18n/tr";
+import { formatFileSize } from "@/shared/attachments";
+import type { AttachmentInfo } from "../service";
+
+const t = tr.attachments;
+
+/**
+ * Ek dosya görüntüleyici (Bölüm 6.3): carousel (oklar, kaydırma, klavye okları), tam ekran ve
+ * "2 / 5" göstergesi. PDF'ler ikon + "Aç" düğmesiyle gösterilir (tarayıcının PDF görüntüleyicisi).
+ */
+export function AttachmentViewer({
+  items,
+  startIndex,
+  open,
+  onOpenChange,
+}: {
+  items: AttachmentInfo[];
+  startIndex: number;
+  open: boolean;
+  onOpenChange: (open: boolean) => void;
+}) {
+  const [api, setApi] = useState<CarouselApi>();
+  const [index, setIndex] = useState(startIndex);
+  const [fullscreen, setFullscreen] = useState(false);
+  const containerRef = useRef<HTMLDivElement>(null);
+
+  useEffect(() => {
+    if (!api) return;
+    const update = () => setIndex(api.selectedScrollSnap());
+    api.on("select", update);
+    api.on("reInit", update);
+    return () => {
+      api.off("select", update);
+      api.off("reInit", update);
+    };
+  }, [api]);
+
+  useEffect(() => {
+    const onChange = () => setFullscreen(document.fullscreenElement === containerRef.current);
+    document.addEventListener("fullscreenchange", onChange);
+    return () => document.removeEventListener("fullscreenchange", onChange);
+  }, []);
+
+  function handleOpenChange(next: boolean) {
+    if (!next && document.fullscreenElement) void document.exitFullscreen();
+    if (next) setIndex(startIndex);
+    onOpenChange(next);
+  }
+
+  async function toggleFullscreen() {
+    if (document.fullscreenElement) await document.exitFullscreen();
+    else await containerRef.current?.requestFullscreen().catch(() => {});
+  }
+
+  /** Odak carousel dışındayken de (ör. kapat düğmesi) ok tuşları çalışsın. */
+  function onKeyDown(event: React.KeyboardEvent) {
+    if (event.defaultPrevented) return;
+    if (event.key === "ArrowLeft") {
+      event.preventDefault();
+      api?.scrollPrev();
+    } else if (event.key === "ArrowRight") {
+      event.preventDefault();
+      api?.scrollNext();
+    }
+  }
+
+  const current = items[Math.min(index, items.length - 1)];
+
+  return (
+    <Dialog open={open} onOpenChange={handleOpenChange}>
+      <DialogContent
+        className="flex h-[min(90dvh,900px)] w-[calc(100vw-1rem)] max-w-5xl flex-col gap-0 p-0 sm:max-w-5xl"
+        onKeyDown={onKeyDown}
+      >
+        <div ref={containerRef} className="flex min-h-0 flex-1 flex-col bg-background">
+          <div className="flex items-center gap-2 border-b px-3 py-2 pr-12">
+            <DialogTitle className="min-w-0 flex-1 truncate text-sm">
+              {current?.name ?? t.viewerTitle}
+            </DialogTitle>
+            <DialogDescription className="sr-only">{t.viewerTitle}</DialogDescription>
+            <span
+              className="shrink-0 text-xs text-muted-foreground tabular-nums"
+              aria-live="polite"
+            >
+              {t.position(index + 1, items.length)}
+            </span>
+            {current ? (
+              <Button asChild variant="ghost" size="icon-sm" aria-label={t.download}>
+                <a href={`${current.url}?indir=1`} download>
+                  <Download />
+                </a>
+              </Button>
+            ) : null}
+            <Button
+              variant="ghost"
+              size="icon-sm"
+              onClick={toggleFullscreen}
+              aria-label={fullscreen ? t.exitFullscreen : t.fullscreen}
+            >
+              {fullscreen ? <Minimize /> : <Maximize />}
+            </Button>
+          </div>
+          <Carousel
+            setApi={setApi}
+            opts={{ startIndex, loop: false }}
+            className="flex min-h-0 flex-1 flex-col"
+            aria-label={t.viewerTitle}
+          >
+            <CarouselContent className="h-full" containerClassName="h-full min-h-0 flex-1">
+              {items.map((item) => (
+                <CarouselItem
+                  key={item.id}
+                  className="flex h-full items-center justify-center p-4 pl-8"
+                >
+                  {item.kind === "image" ? (
+                    // eslint-disable-next-line @next/next/no-img-element -- yetkili özel dosya; optimizasyon hattına girmez
+                    <img
+                      src={item.url}
+                      alt={item.name}
+                      width={item.width ?? undefined}
+                      height={item.height ?? undefined}
+                      className="max-h-full max-w-full rounded-md object-contain"
+                      draggable={false}
+                    />
+                  ) : (
+                    <div className="flex flex-col items-center gap-3 text-center">
+                      <FileText className="size-16 text-muted-foreground" aria-hidden />
+                      <div>
+                        <p className="font-medium break-all">{item.name}</p>
+                        <p className="text-sm text-muted-foreground">
+                          {t.pdf} · {formatFileSize(item.size)}
+                        </p>
+                      </div>
+                      <Button asChild>
+                        <a href={item.url} target="_blank" rel="noopener">
+                          <ExternalLink />
+                          {t.open}
+                        </a>
+                      </Button>
+                    </div>
+                  )}
+                </CarouselItem>
+              ))}
+            </CarouselContent>
+            {items.length > 1 ? (
+              <>
+                <CarouselPrevious className="left-3" aria-label={t.previous} />
+                <CarouselNext className="right-3" aria-label={t.next} />
+              </>
+            ) : null}
+          </Carousel>
+        </div>
+      </DialogContent>
+    </Dialog>
+  );
+}

src/features/attachments/service.int.test.ts

@@ -0,0 +1,327 @@
+import { readFile, rm } from "node:fs/promises";
+import sharp from "sharp";
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import {
+  getTransaction,
+  createTransaction,
+  updateTransaction,
+  setTransactionDeleted,
+} from "@/features/transactions/service";
+import { env } from "@/lib/env";
+import { getStorage } from "@/lib/storage";
+import { AccountModel } from "@/models/account";
+import { AttachmentModel } from "@/models/attachment";
+import { CategoryModel } from "@/models/category";
+import { TransactionModel } from "@/models/transaction";
+import type { TransactionForm } from "@/shared/schemas/transaction";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import {
+  purgeAttachments,
+  readAttachmentForUser,
+  uploadAttachment,
+  type AttachmentInfo,
+} from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let annemler = "";
+let ayse = "";
+let emre = "";
+let zeynep = "";
+let fatma = "";
+
+beforeAll(async () => {
+  await rm(env().UPLOAD_DIR, { recursive: true, force: true });
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  annemler = ids.household("Annemler");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  zeynep = ids.user("zeynep");
+  fatma = ids.user("fatma");
+});
+afterAll(async () => {
+  await teardownDb();
+  await rm(env().UPLOAD_DIR, { recursive: true, force: true });
+});
+
+const acc = (name: string, householdId = cakir) =>
+  AccountModel.findOne({ householdId, name })
+    .lean()
+    .then((a) => String(a!._id));
+const cat = (key: string) =>
+  CategoryModel.findOne({ householdId: cakir, defaultKey: key })
+    .lean()
+    .then((c) => String(c!._id));
+
+async function form(over: Partial<TransactionForm>): Promise<TransactionForm> {
+  return {
+    type: "expense",
+    amount: 100_00,
+    date: "2026-06-15",
+    accountId: await acc("Cüzdan"),
+    toAccountId: null,
+    categoryId: await cat("market"),
+    splits: [],
+    payee: "",
+    description: "",
+    tags: [],
+    attachmentIds: [],
+    installments: 1,
+    ...over,
+  };
+}
+
+const png = (w = 40, h = 30) =>
+  sharp({ create: { width: w, height: h, channels: 3, background: "#3366cc" } })
+    .png()
+    .toBuffer();
+const pdf = Buffer.from("%PDF-1.4\n1 0 obj<<>>endobj\ntrailer<<>>\n%%EOF\n", "latin1");
+
+async function upload(userId: string, bytes: Buffer, name = "fis.png", householdId = cakir) {
+  const r = await uploadAttachment(userId, householdId, { name, bytes });
+  if (!r.ok) throw new Error(r.error);
+  return r.data;
+}
+
+describe("yükleme ve dönüştürme", () => {
+  it("JPEG: EXIF/GPS silinir, yön uygulanır, 2000 px'e küçültülür, WebP + küçük resim", async () => {
+    const jpeg = await sharp({
+      create: { width: 3000, height: 1200, channels: 3, background: "#cc3333" },
+    })
+      .jpeg()
+      .withMetadata({ orientation: 6 })
+      .withExif({ IFD0: { Copyright: "gizli", Artist: "Ayşe" } })
+      .toBuffer();
+    expect((await sharp(jpeg).metadata()).exif).toBeDefined();
+
+    const info = await upload(ayse, jpeg, "../../etc/fiş.JPG");
+    expect(info.kind).toBe("image");
+    expect(info.name).toBe("fiş.JPG");
+    // Yön 6 (90°): 3000x1200 → 1200x3000 → en fazla 2000: 800x2000
+    expect([info.width, info.height]).toEqual([800, 2000]);
+
+    const doc = await AttachmentModel.findById(info.id).lean();
+    expect(doc!.mimeType).toBe("image/webp");
+    expect(doc!.ownerId).toBeNull();
+    const stored = await getStorage().get(doc!.storageKey);
+    const meta = await sharp(stored!).metadata();
+    expect(meta.format).toBe("webp");
+    expect(meta.exif).toBeUndefined();
+    expect(meta.orientation).toBeUndefined();
+    const thumb = await sharp((await getStorage().get(doc!.thumbKey!))!).metadata();
+    expect(Math.max(thumb.width!, thumb.height!)).toBe(320);
+  });
+
+  it("PNG ve PDF kabul edilir; uzantıya değil içeriğe bakılır", async () => {
+    expect((await upload(ayse, await png(), "resim.pdf")).kind).toBe("image");
+    const p = await upload(ayse, pdf, "bordro.jpg");
+    expect(p.kind).toBe("pdf");
+    expect(p.thumbUrl).toBeNull();
+  });
+
+  it("desteklenmeyen, bozuk ve boş dosyalar reddedilir", async () => {
+    const text = await uploadAttachment(ayse, cakir, {
+      name: "fis.jpg",
+      bytes: Buffer.from("<script>alert(1)</script>"),
+    });
+    expect(text.ok).toBe(false);
+    const broken = await uploadAttachment(ayse, cakir, {
+      name: "x.jpg",
+      bytes: Buffer.from([0xff, 0xd8, 0xff, 0xe0, 1, 2, 3, 4, 5, 6]),
+    });
+    expect(broken).toMatchObject({ ok: false });
+    const fakePdf = await uploadAttachment(ayse, cakir, {
+      name: "x.pdf",
+      bytes: Buffer.from("%PDF-1.4 yarım"),
+    });
+    expect(fakePdf.ok).toBe(false);
+    expect((await uploadAttachment(ayse, cakir, { name: "x", bytes: Buffer.alloc(0) })).ok).toBe(
+      false,
+    );
+  });
+
+  it("boyut sınırı uygulanır", async () => {
+    const big = Buffer.alloc(env().MAX_UPLOAD_MB * 1024 * 1024 + 1);
+    big.set([0x89, 0x50, 0x4e, 0x47, 0x0d, 0x0a, 0x1a, 0x0a]);
+    expect((await uploadAttachment(ayse, cakir, { name: "b.png", bytes: big })).ok).toBe(false);
+  });
+
+  it("izleyici ve hane dışı kullanıcı yükleyemez", async () => {
+    expect((await uploadAttachment(zeynep, cakir, { name: "a.png", bytes: await png() })).ok).toBe(
+      false,
+    );
+    expect((await uploadAttachment(fatma, cakir, { name: "a.png", bytes: await png() })).ok).toBe(
+      false,
+    );
+  });
+
+  it.skipIf(!process.env.HEIC_SAMPLE)("HEIC (iPhone) WebP'ye dönüştürülür", async () => {
+    const heic = await readFile(process.env.HEIC_SAMPLE!);
+    const info = await upload(ayse, heic, "IMG_0001.HEIC");
+    expect(info.kind).toBe("image");
+    const doc = await AttachmentModel.findById(info.id).lean();
+    expect(doc!.sourceType).toBe("heic");
+    expect((await sharp((await getStorage().get(doc!.storageKey))!).metadata()).format).toBe(
+      "webp",
+    );
+  });
+});
+
+describe("işleme bağlama", () => {
+  let a1: AttachmentInfo;
+  let a2: AttachmentInfo;
+  let a3: AttachmentInfo;
+  let txId = "";
+
+  it("gider işlemine görseller bağlanır, sıra korunur", async () => {
+    a1 = await upload(ayse, await png(10, 10));
+    a2 = await upload(ayse, await png(20, 10));
+    a3 = await upload(ayse, await png(30, 10));
+    const r = await createTransaction(
+      ayse,
+      cakir,
+      await form({ attachmentIds: [a2.id, a1.id, a3.id] }),
+    );
+    expect(r.ok).toBe(true);
+    txId = r.ok ? r.data.id : "";
+    const detail = await getTransaction(ayse, cakir, txId);
+    expect(detail!.attachmentCount).toBe(3);
+    expect(detail!.attachments.map((a) => a.id)).toEqual([a2.id, a1.id, a3.id]);
+  });
+
+  it("gider işlemine PDF eklenemez; gelirde eklenir; hata olursa işlem oluşmaz", async () => {
+    const p = await upload(ayse, pdf, "bordro.pdf");
+    const before = await TransactionModel.countDocuments({ householdId: cakir });
+    const bad = await createTransaction(ayse, cakir, await form({ attachmentIds: [p.id] }));
+    expect(bad).toMatchObject({ ok: false });
+    expect(await TransactionModel.countDocuments({ householdId: cakir })).toBe(before);
+    expect((await AttachmentModel.findById(p.id).lean())!.ownerId).toBeNull();
+
+    const good = await createTransaction(
+      ayse,
+      cakir,
+      await form({
+        type: "income",
+        categoryId: await cat("maas"),
+        accountId: await acc("Ziraat Maaş"),
+        attachmentIds: [p.id],
+      }),
+    );
+    expect(good.ok).toBe(true);
+  });
+
+  it("başkasının bekleyen eki, başka hanenin eki veya başka işlemin eki bağlanamaz", async () => {
+    const emres = await upload(emre, await png());
+    expect(
+      (await createTransaction(ayse, cakir, await form({ attachmentIds: [emres.id] }))).ok,
+    ).toBe(false);
+    const other = await upload(fatma, await png(), "x.png", annemler);
+    expect(
+      (await createTransaction(ayse, cakir, await form({ attachmentIds: [other.id] }))).ok,
+    ).toBe(false);
+    // a1 zaten txId'ye bağlı: başka işleme taşınamaz.
+    expect((await createTransaction(ayse, cakir, await form({ attachmentIds: [a1.id] }))).ok).toBe(
+      false,
+    );
+  });
+
+  it("kayıt başına en fazla 10 ek", async () => {
+    const many = [];
+    for (let i = 0; i < 11; i++) many.push((await upload(emre, await png(5 + i, 5))).id);
+    expect((await createTransaction(emre, cakir, await form({ attachmentIds: many }))).ok).toBe(
+      false,
+    );
+    expect(
+      (await createTransaction(emre, cakir, await form({ attachmentIds: many.slice(0, 10) }))).ok,
+    ).toBe(true);
+  });
+
+  it("düzenlemede çıkarılan ek kayıttan düşer, yeni ek eklenir (başka üye de düzenleyebilir)", async () => {
+    const a4 = await upload(emre, await png(44, 10));
+    const detail = await getTransaction(emre, cakir, txId);
+    const r = await updateTransaction(
+      emre,
+      cakir,
+      txId,
+      await form({
+        accountId: detail!.account!.id,
+        categoryId: detail!.categoryId,
+        attachmentIds: [a3.id, a4.id],
+      }),
+    );
+    expect(r.ok).toBe(true);
+    const after = await getTransaction(ayse, cakir, txId);
+    expect(after!.attachments.map((a) => a.id)).toEqual([a3.id, a4.id]);
+    expect(after!.attachmentCount).toBe(2);
+    expect((await AttachmentModel.findById(a1.id).lean())!.deletedAt).toBeInstanceOf(Date);
+    expect(await readAttachmentForUser(ayse, a1.id, "full")).toBeNull();
+  });
+
+  it("dosya erişimi: hane üyeleri (izleyici dahil) okur; hane dışı ve silinmiş işlem okuyamaz", async () => {
+    const file = await readAttachmentForUser(zeynep, a3.id, "thumb");
+    expect(file?.mimeType).toBe("image/webp");
+    expect(await readAttachmentForUser(fatma, a3.id, "full")).toBeNull();
+    expect(await readAttachmentForUser(ayse, "not-an-id", "full")).toBeNull();
+
+    await setTransactionDeleted(ayse, cakir, txId, true);
+    expect(await readAttachmentForUser(ayse, a3.id, "full")).toBeNull();
+    await setTransactionDeleted(ayse, cakir, txId, false);
+    expect(await readAttachmentForUser(ayse, a3.id, "full")).not.toBeNull();
+  });
+
+  it("bekleyen ek yalnızca yükleyene görünür", async () => {
+    const pending = await upload(ayse, await png());
+    expect(await readAttachmentForUser(ayse, pending.id, "full")).not.toBeNull();
+    expect(await readAttachmentForUser(emre, pending.id, "full")).toBeNull();
+  });
+
+  it("gizli hesaptaki işlemin eki hesap sahibi dışındakilere kapalı", async () => {
+    const img = await upload(ayse, await png());
+    const r = await createTransaction(
+      ayse,
+      cakir,
+      await form({ accountId: await acc("Ayşe — Pluxee"), attachmentIds: [img.id] }),
+    );
+    expect(r.ok).toBe(true);
+    expect(await readAttachmentForUser(ayse, img.id, "full")).not.toBeNull();
+    expect(await readAttachmentForUser(emre, img.id, "full")).toBeNull();
+  });
+});
+
+describe("temizlik", () => {
+  it("eski bekleyen ekler, çıkarılmış ekler ve 30 günden önce silinmiş işlemlerin ekleri silinir", async () => {
+    const pending = await upload(ayse, await png());
+    const old = new Date(Date.now() - 25 * 60 * 60 * 1000);
+    await AttachmentModel.collection.updateOne(
+      { _id: (await AttachmentModel.findById(pending.id))!._id },
+      { $set: { createdAt: old } },
+    );
+
+    const kept = await upload(ayse, await png());
+    const r = await createTransaction(ayse, cakir, await form({ attachmentIds: [kept.id] }));
+    const tx = r.ok ? r.data.id : "";
+    await setTransactionDeleted(ayse, cakir, tx, true);
+    const keptDoc = (await AttachmentModel.findById(kept.id).lean())!;
+
+    // Silme 31 gün önce yapılmış gibi.
+    const now = new Date(Date.now() + 31 * 24 * 60 * 60 * 1000);
+    const pendingDoc = (await AttachmentModel.findById(pending.id).lean())!;
+    const { removed } = await purgeAttachments(now);
+    expect(removed).toBeGreaterThan(0);
+    expect(await AttachmentModel.findById(pending.id)).toBeNull();
+    expect(await getStorage().get(pendingDoc.storageKey)).toBeNull();
+    expect(await AttachmentModel.findById(kept.id)).toBeNull();
+    expect(await getStorage().get(keptDoc.storageKey)).toBeNull();
+    expect((await TransactionModel.findById(tx).lean())!.attachmentCount).toBe(0);
+  });
+
+  it("taze bekleyen ekler ve bağlı ekler korunur", async () => {
+    const fresh = await upload(ayse, await png());
+    const linked = await upload(ayse, await png());
+    await createTransaction(ayse, cakir, await form({ attachmentIds: [linked.id] }));
+    await purgeAttachments();
+    expect(await AttachmentModel.findById(fresh.id)).not.toBeNull();
+    expect(await AttachmentModel.findById(linked.id)).not.toBeNull();
+  });
+});

src/features/attachments/service.ts

@@ -0,0 +1,326 @@
+import "server-only";
+import { randomBytes } from "node:crypto";
+import { Types, type ClientSession } from "mongoose";
+import { resolveMembership } from "@/features/households/service";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { connectMongoose } from "@/lib/db/mongoose";
+import { env } from "@/lib/env";
+import { toObjectId } from "@/lib/object-id";
+import { getStorage } from "@/lib/storage";
+import { isPlausiblePdf, processImage, UnreadableImageError } from "@/lib/uploads/process";
+import { AccountModel } from "@/models/account";
+import { AttachmentModel, type AttachmentOwnerType } from "@/models/attachment";
+import { TransactionModel } from "@/models/transaction";
+import {
+  detectFileType,
+  MAX_ATTACHMENTS_PER_RECORD,
+  type AttachmentKind,
+} from "@/shared/attachments";
+
+const t = tr.attachments;
+
+/** Bir kullanıcının bir hanede aynı anda bekletebileceği (kayda bağlanmamış) ek sayısı. */
+export const MAX_PENDING_PER_USER = 30;
+/** Bağlanmamış eklerin ömrü. */
+export const PENDING_TTL_MS = 24 * 60 * 60 * 1000;
+/** Silinen kayıt/ek dosyalarının fiziksel olarak silinmeden önce bekleme süresi (geri alma payı). */
+export const SOFT_DELETE_RETENTION_MS = 30 * 24 * 60 * 60 * 1000;
+
+export type AttachmentInfo = {
+  id: string;
+  kind: AttachmentKind;
+  name: string;
+  size: number;
+  width: number | null;
+  height: number | null;
+  url: string;
+  thumbUrl: string | null;
+};
+
+type LeanAttachment = {
+  _id: Types.ObjectId;
+  kind: AttachmentKind;
+  originalName?: string | null;
+  size: number;
+  width?: number | null;
+  height?: number | null;
+  thumbKey?: string | null;
+};
+
+export function toAttachmentInfo(a: LeanAttachment): AttachmentInfo {
+  const id = String(a._id);
+  return {
+    id,
+    kind: a.kind,
+    name: a.originalName || (a.kind === "pdf" ? "belge.pdf" : "gorsel.webp"),
+    size: a.size,
+    width: a.width ?? null,
+    height: a.height ?? null,
+    url: `/api/files/${id}`,
+    thumbUrl: a.thumbKey ? `/api/files/${id}?v=thumb` : null,
+  };
+}
+
+/** Kullanıcının verdiği dosya adını güvenli hale getirir (yol, kontrol karakteri, uzunluk). */
+export function sanitizeFileName(name: string): string {
+  const base = name.split(/[\\/]/).pop() ?? "";
+  return base
+    .replace(/[\u0000-\u001f\u007f"<>]/g, "")
+    .trim()
+    .slice(0, 120);
+}
+
+function newKey(): string {
+  const id = randomBytes(16).toString("hex");
+  return `${id.slice(0, 2)}/${id}`;
+}
+
+// --- Yükleme ---
+
+export async function uploadAttachment(
+  userId: string,
+  householdId: string,
+  file: { name: string; bytes: Buffer },
+): Promise<ActionResult<AttachmentInfo>> {
+  const m = await resolveMembership(userId, householdId, "member");
+  if (!m) return fail(tr.common.unauthorized);
+  const maxBytes = env().MAX_UPLOAD_MB * 1024 * 1024;
+  if (file.bytes.length === 0) return fail(t.errors.empty);
+  if (file.bytes.length > maxBytes) return fail(t.errors.tooLarge(env().MAX_UPLOAD_MB));
+
+  const type = detectFileType(file.bytes);
+  if (!type) return fail(t.errors.unsupported);
+
+  const uploader = new Types.ObjectId(userId);
+  const pending = await AttachmentModel.countDocuments({
+    householdId: m.householdId,
+    ownerId: null,
+    uploadedBy: uploader,
+    deletedAt: null,
+  });
+  if (pending >= MAX_PENDING_PER_USER) return fail(t.errors.tooManyPending);
+
+  const key = newKey();
+  const storage = getStorage();
+  let doc: Record<string, unknown>;
+  if (type === "pdf") {
+    if (!isPlausiblePdf(file.bytes)) return fail(t.errors.unreadable);
+    await storage.put(`${key}.pdf`, file.bytes);
+    doc = {
+      kind: "pdf",
+      mimeType: "application/pdf",
+      size: file.bytes.length,
+      storageKey: `${key}.pdf`,
+      thumbKey: null,
+    };
+  } else {
+    let processed;
+    try {
+      processed = await processImage(file.bytes, type);
+    } catch (error) {
+      if (error instanceof UnreadableImageError) return fail(t.errors.unreadable);
+      throw error;
+    }
+    await storage.put(`${key}.webp`, processed.main);
+    await storage.put(`${key}.thumb.webp`, processed.thumb);
+    doc = {
+      kind: "image",
+      mimeType: "image/webp",
+      size: processed.main.length,
+      width: processed.width,
+      height: processed.height,
+      storageKey: `${key}.webp`,
+      thumbKey: `${key}.thumb.webp`,
+    };
+  }
+
+  const created = await AttachmentModel.create({
+    ...doc,
+    householdId: m.householdId,
+    sourceType: type,
+    originalName: sanitizeFileName(file.name),
+    originalSize: file.bytes.length,
+    uploadedBy: uploader,
+  });
+  return ok(toAttachmentInfo(created.toObject() as LeanAttachment));
+}
+
+// --- Kayda bağlama ---
+
+/**
+ * Kaydın ek listesini `ids` ile eşitler (sıra korunur). Yeni kimlikler, bu kullanıcının bu hanede
+ * yüklediği bekleyen ekler olmalı; listede olmayan mevcut ekler kayıttan çıkarılır (`deletedAt`).
+ * Kayıttaki güncel ek sayısını döner. Transaction içinde çağrılmalı (session).
+ */
+export async function syncOwnerAttachments(opts: {
+  householdId: Types.ObjectId;
+  actorId: string;
+  ownerType: AttachmentOwnerType;
+  ownerId: Types.ObjectId;
+  ids: string[];
+  allowedKinds: readonly AttachmentKind[];
+  session?: ClientSession;
+}): Promise<ActionResult<number>> {
+  const { householdId, ownerType, ownerId, session } = opts;
+  const unique = [...new Set(opts.ids)];
+  if (unique.length > MAX_ATTACHMENTS_PER_RECORD)
+    return fail(t.errors.tooMany(MAX_ATTACHMENTS_PER_RECORD));
+  const objectIds = unique.map(toObjectId);
+  if (objectIds.some((id) => !id)) return fail(t.errors.invalid);
+
+  const current = await AttachmentModel.find(
+    { householdId, ownerType, ownerId, deletedAt: null },
+    { _id: 1 },
+    { session },
+  ).lean();
+  const currentIds = new Set(current.map((a) => String(a._id)));
+  const newIds = objectIds.filter((id) => !currentIds.has(String(id))) as Types.ObjectId[];
+
+  const candidates = await AttachmentModel.find(
+    { _id: { $in: objectIds }, householdId, deletedAt: null },
+    { kind: 1, ownerId: 1, uploadedBy: 1 },
+    { session },
+  ).lean();
+  const byId = new Map(candidates.map((a) => [String(a._id), a]));
+  for (const id of newIds) {
+    const a = byId.get(String(id));
+    // Yalnızca kendi yüklediği, henüz hiçbir kayda bağlanmamış ekler bağlanabilir.
+    if (!a || a.ownerId || String(a.uploadedBy) !== opts.actorId) return fail(t.errors.invalid);
+  }
+  for (const id of objectIds) {
+    const a = byId.get(String(id));
+    if (a && !opts.allowedKinds.includes(a.kind)) return fail(t.errors.kindNotAllowed);
+  }
+
+  const removed = current.filter((a) => !objectIds.some((id) => id!.equals(a._id)));
+  if (removed.length) {
+    await AttachmentModel.updateMany(
+      { _id: { $in: removed.map((a) => a._id) }, householdId },
+      { $set: { deletedAt: new Date() } },
+      { session },
+    );
+  }
+  if (objectIds.length) {
+    await AttachmentModel.bulkWrite(
+      objectIds.map((id, order) => ({
+        updateOne: {
+          filter: { _id: id!, householdId },
+          update: { $set: { ownerType, ownerId, order } },
+        },
+      })),
+      { session },
+    );
+  }
+  return ok(objectIds.length);
+}
+
+export async function listOwnerAttachments(
+  householdId: Types.ObjectId,
+  ownerType: AttachmentOwnerType,
+  ownerId: Types.ObjectId,
+): Promise<AttachmentInfo[]> {
+  const rows = await AttachmentModel.find({ householdId, ownerType, ownerId, deletedAt: null })
+    .sort({ order: 1, createdAt: 1 })
+    .lean();
+  return rows.map((a) => toAttachmentInfo(a as unknown as LeanAttachment));
+}
+
+// --- Servis etme ---
+
+export type AttachmentFile = {
+  bytes: Buffer;
+  mimeType: string;
+  name: string;
+};
+
+/**
+ * Yetki kontrollü dosya okuma: kullanıcı ekin hanesinin üyesi olmalı; bekleyen ek yalnızca
+ * yükleyene; işleme bağlı ek, işlem kullanıcıya görünürse (silinmemiş ve başkasının gizli
+ * hesabına dokunmuyorsa). Erişim yoksa null (çağıran 404 döner; varlık sızdırılmaz).
+ */
+export async function readAttachmentForUser(
+  userId: string,
+  attachmentId: string,
+  variant: "full" | "thumb",
+): Promise<AttachmentFile | null> {
+  const id = toObjectId(attachmentId);
+  if (!id) return null;
+  await connectMongoose();
+  const a = await AttachmentModel.findOne({ _id: id, deletedAt: null }).lean();
+  if (!a) return null;
+  const m = await resolveMembership(userId, String(a.householdId), "viewer");
+  if (!m) return null;
+
+  if (!a.ownerId) {
+    if (String(a.uploadedBy) !== userId) return null;
+  } else if (a.ownerType === "transaction") {
+    const tx = await TransactionModel.findOne(
+      { _id: a.ownerId, householdId: a.householdId, deletedAt: null },
+      { accountId: 1, toAccountId: 1 },
+    ).lean();
+    if (!tx) return null;
+    const hidden = await AccountModel.exists({
+      _id: { $in: [tx.accountId, tx.toAccountId].filter(Boolean) },
+      householdId: a.householdId,
+      isPrivate: true,
+      ownerUserId: { $ne: new Types.ObjectId(userId) },
+    });
+    if (hidden) return null;
+  } else {
+    return null;
+  }
+
+  const key = variant === "thumb" && a.thumbKey ? a.thumbKey : a.storageKey;
+  const bytes = await getStorage().get(key);
+  if (!bytes) return null;
+  return {
+    bytes,
+    mimeType: variant === "thumb" && a.thumbKey ? "image/webp" : a.mimeType,
+    name: a.originalName ?? "",
+  };
+}
+
+// --- Temizlik ---
+
+/**
+ * Fiziksel temizlik (Bölüm 7.4): 24 saatten eski bekleyen ekler, 30 günden önce çıkarılmış
+ * ekler ve 30 günden önce silinmiş işlemlerin ekleri. Dosyalar silinir, kayıtlar kaldırılır.
+ */
+export async function purgeAttachments(now = new Date()): Promise<{ removed: number }> {
+  await connectMongoose();
+  const retentionCutoff = new Date(now.getTime() - SOFT_DELETE_RETENTION_MS);
+  const pendingCutoff = new Date(now.getTime() - PENDING_TTL_MS);
+
+  const deletedTx = await TransactionModel.find(
+    { deletedAt: { $ne: null, $lt: retentionCutoff }, attachmentCount: { $gt: 0 } },
+    { _id: 1 },
+  ).lean();
+
+  const victims = await AttachmentModel.find(
+    {
+      $or: [
+        { ownerId: null, createdAt: { $lt: pendingCutoff } },
+        { deletedAt: { $ne: null, $lt: retentionCutoff } },
+        ...(deletedTx.length
+          ? [{ ownerType: "transaction" as const, ownerId: { $in: deletedTx.map((d) => d._id) } }]
+          : []),
+      ],
+    },
+    { storageKey: 1, thumbKey: 1 },
+  ).lean();
+
+  const storage = getStorage();
+  for (const v of victims) {
+    await storage.delete(v.storageKey);
+    if (v.thumbKey) await storage.delete(v.thumbKey);
+    await AttachmentModel.deleteOne({ _id: v._id });
+  }
+  if (deletedTx.length) {
+    await TransactionModel.updateMany(
+      { _id: { $in: deletedTx.map((d) => d._id) } },
+      { $set: { attachmentCount: 0 } },
+    );
+  }
+  return { removed: victims.length };
+}

src/features/contacts/actions.ts

@@ -0,0 +1,88 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { z } from "zod";
+import { tr } from "@/i18n/tr";
+import { fail, type ActionResult } from "@/lib/action-result";
+import { getHouseholdActionContext } from "@/lib/dal";
+import { contactEntrySchema, contactFormSchema } from "@/shared/schemas/contact";
+import {
+  createContact,
+  createContactEntry,
+  setContactArchived,
+  updateContact,
+  updateContactEntry,
+} from "./service";
+
+const idSchema = z.string().regex(/^[a-f0-9]{24}$/i);
+
+function fieldErrors(error: z.ZodError) {
+  const out: Record<string, string> = {};
+  for (const issue of error.issues) {
+    const key = issue.path.join(".");
+    if (key && !out[key]) out[key] = issue.message;
+  }
+  return out;
+}
+
+function revalidate() {
+  revalidatePath("/", "layout");
+}
+
+export async function saveContactAction(
+  contactId: unknown,
+  input: unknown,
+): Promise<ActionResult<unknown>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const parsed = contactFormSchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  let result: ActionResult<unknown>;
+  if (contactId === null || contactId === undefined) {
+    result = await createContact(ctx.user.id, ctx.household.id, parsed.data);
+  } else {
+    const id = idSchema.safeParse(contactId);
+    if (!id.success) return fail(tr.common.notFound);
+    result = await updateContact(ctx.user.id, ctx.household.id, id.data, parsed.data);
+  }
+  if (result.ok) revalidate();
+  return result;
+}
+
+export async function setContactArchivedAction(
+  contactId: unknown,
+  archived: unknown,
+): Promise<ActionResult> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(contactId);
+  const a = z.boolean().safeParse(archived);
+  if (!id.success || !a.success) return fail(tr.common.notFound);
+  const result = await setContactArchived(ctx.user.id, ctx.household.id, id.data, a.data);
+  if (result.ok) revalidate();
+  return result;
+}
+
+/** Yeni hareket (transactionId boş) veya mevcut hareketi düzenle. */
+export async function saveContactEntryAction(
+  contactId: unknown,
+  transactionId: unknown,
+  input: unknown,
+): Promise<ActionResult<unknown>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const parsed = contactEntrySchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  let result: ActionResult<unknown>;
+  if (transactionId) {
+    const tid = idSchema.safeParse(transactionId);
+    if (!tid.success) return fail(tr.common.notFound);
+    result = await updateContactEntry(ctx.user.id, ctx.household.id, tid.data, parsed.data);
+  } else {
+    const cid = idSchema.safeParse(contactId);
+    if (!cid.success) return fail(tr.common.notFound);
+    result = await createContactEntry(ctx.user.id, ctx.household.id, cid.data, parsed.data);
+  }
+  if (result.ok) revalidate();
+  return result;
+}

src/features/contacts/components/contact-dialogs.tsx

@@ -0,0 +1,434 @@
+"use client";
+
+import { Loader2, Trash2 } from "lucide-react";
+import { useEffect, useState } from "react";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import { Button } from "@/components/ui/button";
+import { Checkbox } from "@/components/ui/checkbox";
+import { Field, FieldDescription, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { Tabs, TabsList, TabsTrigger } from "@/components/ui/tabs";
+import { Textarea } from "@/components/ui/textarea";
+import {
+  getTransactionFormOptionsAction,
+  setTransactionDeletedAction,
+} from "@/features/transactions/actions";
+import { AccountSelect } from "@/features/transactions/components/transaction-form";
+import type { TransactionFormOptions, TransactionListItem } from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import {
+  CONTACT_ENTRY_KINDS,
+  CONTACT_RELATIONS,
+  isOutgoing,
+  type ContactEntryKind,
+  type ContactRelation,
+} from "@/shared/contacts";
+import { todayIstanbul } from "@/shared/dates";
+import { formatMoneyInput } from "@/shared/money";
+import { saveContactAction, saveContactEntryAction } from "../actions";
+import type { ContactView } from "../service";
+
+const t = tr.contacts;
+type Errors = Record<string, string | undefined>;
+
+/** Cari oluştur / düzenle. */
+export function ContactFormDialog({
+  open,
+  contact,
+  onOpenChange,
+}: {
+  open: boolean;
+  contact: ContactView | null;
+  onOpenChange: (open: boolean) => void;
+}) {
+  return open ? (
+    <ContactForm key={contact?.id ?? "new"} contact={contact} onClose={() => onOpenChange(false)} />
+  ) : null;
+}
+
+function ContactForm({ contact, onClose }: { contact: ContactView | null; onClose: () => void }) {
+  const [v, setV] = useState({
+    name: contact?.name ?? "",
+    relation: (contact?.relation ?? "friend") as ContactRelation,
+    phone: contact?.phone ?? "",
+    note: contact?.note ?? "",
+    openingBalance: contact?.openingBalanceMinor
+      ? formatMoneyInput(contact.openingBalanceMinor)
+      : "",
+    openingDate: contact?.openingDate ?? todayIstanbul(),
+    dueDate: contact?.dueDate ?? "",
+    reminderDays: String(contact?.reminderDays ?? 3),
+    isPrivate: contact?.isPrivate ?? false,
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+  const set = <K extends keyof typeof v>(k: K, value: (typeof v)[K]) =>
+    setV((x) => ({ ...x, [k]: value }));
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await saveContactAction(contact?.id ?? null, v);
+    setBusy(false);
+    if (r.ok) {
+      toast.success(contact ? t.toast.updated : t.toast.created);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  const f = t.fields;
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={contact ? t.editTitle : t.createTitle}
+      footer={
+        <>
+          <Button variant="outline" type="button" onClick={onClose}>
+            {tr.common.cancel}
+          </Button>
+          <Button type="submit" form="contact-form" disabled={busy}>
+            {busy ? <Loader2 className="animate-spin" /> : null}
+            {tr.common.save}
+          </Button>
+        </>
+      }
+    >
+      <form id="contact-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Field data-invalid={Boolean(errors.name)}>
+            <FieldLabel htmlFor="ct-name">{f.name}</FieldLabel>
+            <Input
+              id="ct-name"
+              value={v.name}
+              onChange={(e) => set("name", e.target.value)}
+              aria-invalid={Boolean(errors.name)}
+              autoFocus
+            />
+            {errors.name ? <FieldError>{errors.name}</FieldError> : null}
+          </Field>
+          <div className="grid grid-cols-2 gap-3">
+            <Field>
+              <FieldLabel htmlFor="ct-relation">{f.relation}</FieldLabel>
+              <Select
+                value={v.relation}
+                onValueChange={(x) => set("relation", x as ContactRelation)}
+              >
+                <SelectTrigger id="ct-relation" className="w-full">
+                  <SelectValue>{t.relations[v.relation]}</SelectValue>
+                </SelectTrigger>
+                <SelectContent>
+                  {CONTACT_RELATIONS.map((r) => (
+                    <SelectItem key={r} value={r}>
+                      {t.relations[r]}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+            </Field>
+            <Field data-invalid={Boolean(errors.phone)}>
+              <FieldLabel htmlFor="ct-phone">{f.phone}</FieldLabel>
+              <Input
+                id="ct-phone"
+                type="tel"
+                inputMode="tel"
+                value={v.phone}
+                onChange={(e) => set("phone", e.target.value)}
+                aria-invalid={Boolean(errors.phone)}
+              />
+              {errors.phone ? <FieldError>{errors.phone}</FieldError> : null}
+            </Field>
+          </div>
+          <div className="grid grid-cols-2 gap-3">
+            <Field data-invalid={Boolean(errors.openingBalance)}>
+              <FieldLabel htmlFor="ct-opening">{f.openingBalance}</FieldLabel>
+              <MoneyInput
+                id="ct-opening"
+                value={v.openingBalance}
+                onChange={(x) => set("openingBalance", x)}
+                allowNegative
+              />
+              {errors.openingBalance ? <FieldError>{errors.openingBalance}</FieldError> : null}
+            </Field>
+            <Field>
+              <FieldLabel htmlFor="ct-opening-date">{tr.transactions.fields.date}</FieldLabel>
+              <Input
+                id="ct-opening-date"
+                type="date"
+                value={v.openingDate}
+                onChange={(e) => set("openingDate", e.target.value)}
+              />
+            </Field>
+          </div>
+          <FieldDescription className="-mt-2">{f.openingHint}</FieldDescription>
+          <DueFields
+            dueDate={v.dueDate}
+            reminderDays={v.reminderDays}
+            onChange={(d, r) => setV((x) => ({ ...x, dueDate: d, reminderDays: r }))}
+            errors={errors}
+          />
+          <Field>
+            <FieldLabel htmlFor="ct-note">{f.note}</FieldLabel>
+            <Textarea
+              id="ct-note"
+              rows={2}
+              value={v.note}
+              onChange={(e) => set("note", e.target.value)}
+            />
+          </Field>
+          <label className="flex items-start gap-2 text-sm">
+            <Checkbox
+              checked={v.isPrivate}
+              onCheckedChange={(x) => set("isPrivate", x === true)}
+              className="mt-0.5"
+            />
+            {f.isPrivate}
+          </label>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}
+
+function DueFields({
+  dueDate,
+  reminderDays,
+  onChange,
+  errors,
+}: {
+  dueDate: string;
+  reminderDays: string;
+  onChange: (dueDate: string, reminderDays: string) => void;
+  errors: Errors;
+}) {
+  const f = t.fields;
+  return (
+    <div className="grid grid-cols-2 gap-3">
+      <Field data-invalid={Boolean(errors.dueDate)}>
+        <FieldLabel htmlFor="ct-due">{f.dueDate}</FieldLabel>
+        <Input
+          id="ct-due"
+          type="date"
+          value={dueDate}
+          onChange={(e) => onChange(e.target.value, reminderDays)}
+          aria-describedby="ct-due-hint"
+        />
+        <FieldDescription id="ct-due-hint">{f.dueHint}</FieldDescription>
+        {errors.dueDate ? <FieldError>{errors.dueDate}</FieldError> : null}
+      </Field>
+      <Field data-invalid={Boolean(errors.reminderDays)}>
+        <FieldLabel htmlFor="ct-remind">{f.reminderDays}</FieldLabel>
+        <Input
+          id="ct-remind"
+          type="number"
+          inputMode="numeric"
+          min={0}
+          max={60}
+          value={reminderDays}
+          onChange={(e) => onChange(dueDate, e.target.value)}
+          disabled={!dueDate}
+        />
+      </Field>
+    </div>
+  );
+}
+
+export type EntryMode = {
+  contact: ContactView;
+  entry?: TransactionListItem;
+  kind?: ContactEntryKind;
+};
+
+/** Cari hareketi ekle / düzenle (düzenlemede sil). */
+export function ContactEntryDialog({
+  mode,
+  onClose,
+}: {
+  mode: EntryMode | null;
+  onClose: () => void;
+}) {
+  return mode ? (
+    <EntryForm key={mode.entry?.id ?? `new-${mode.kind ?? ""}`} mode={mode} onClose={onClose} />
+  ) : null;
+}
+
+function EntryForm({ mode, onClose }: { mode: EntryMode; onClose: () => void }) {
+  const { contact, entry } = mode;
+  const [options, setOptions] = useState<TransactionFormOptions | null>(null);
+  const [kind, setKind] = useState<ContactEntryKind>(
+    entry?.contact?.kind ?? mode.kind ?? (contact.balanceMinor < 0 ? "repay" : "lend"),
+  );
+  const [v, setV] = useState({
+    accountId: entry?.account?.id ?? entry?.toAccount?.id ?? "",
+    amount: entry ? formatMoneyInput(entry.amountMinor) : "",
+    date: entry?.date ?? todayIstanbul(),
+    description: entry?.description ?? "",
+    dueDate: contact.dueDate ?? "",
+    reminderDays: String(contact.reminderDays),
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+
+  useEffect(() => {
+    let cancelled = false;
+    getTransactionFormOptionsAction().then((r) => {
+      if (cancelled || !r.ok) return;
+      setOptions(r.data);
+      setV((x) => (x.accountId ? x : { ...x, accountId: r.data.accounts[0]?.id ?? "" }));
+    });
+    return () => {
+      cancelled = true;
+    };
+  }, []);
+
+  const accounts = (() => {
+    const list = [...(options?.accounts ?? [])];
+    const current = entry?.account ?? entry?.toAccount;
+    if (current && !list.some((a) => a.id === current.id))
+      list.push({ ...current, type: "bank", icon: "wallet", color: "slate" });
+    return list;
+  })();
+  const createsDebt = kind === "lend" || kind === "borrow";
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const payload = {
+      kind,
+      accountId: v.accountId,
+      amount: v.amount,
+      date: v.date,
+      description: v.description,
+      // Vade yalnızca borç veren/alan harekette güncellenir.
+      ...(createsDebt ? { dueDate: v.dueDate, reminderDays: v.reminderDays } : {}),
+    };
+    const r = await saveContactEntryAction(contact.id, entry?.id ?? null, payload);
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.entrySaved);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  async function remove() {
+    if (!entry) return;
+    const r = await setTransactionDeletedAction(entry.id, true);
+    if (!r.ok) return void toast.error(r.error);
+    onClose();
+    toast.success(tr.transactions.toast.deleted, {
+      duration: 10_000,
+      action: {
+        label: tr.transactions.actions.restore,
+        onClick: async () => {
+          const x = await setTransactionDeletedAction(entry.id, false);
+          if (x.ok) toast.success(tr.transactions.toast.restored);
+          else toast.error(x.error);
+        },
+      },
+    });
+  }
+
+  const f = t.fields;
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={`${entry ? t.editEntryTitle : t.entryTitle} · ${contact.name}`}
+      footer={
+        <>
+          {entry ? (
+            <Button variant="destructive" type="button" onClick={remove} className="sm:mr-auto">
+              <Trash2 />
+              {tr.transactions.actions.delete}
+            </Button>
+          ) : null}
+          <Button variant="outline" type="button" onClick={onClose}>
+            {tr.common.cancel}
+          </Button>
+          <Button type="submit" form="contact-entry-form" disabled={busy || !options}>
+            {busy ? <Loader2 className="animate-spin" /> : null}
+            {tr.common.save}
+          </Button>
+        </>
+      }
+    >
+      <form id="contact-entry-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Tabs value={kind} onValueChange={(x) => setKind(x as ContactEntryKind)}>
+            <TabsList className="grid h-auto w-full grid-cols-2 sm:grid-cols-4">
+              {CONTACT_ENTRY_KINDS.map((k) => (
+                <TabsTrigger key={k} value={k}>
+                  {t.kinds[k]}
+                </TabsTrigger>
+              ))}
+            </TabsList>
+          </Tabs>
+          <p className="-mt-2 text-xs text-muted-foreground">{t.kindHints[kind]}</p>
+          <div className="grid grid-cols-[1fr_auto] gap-3">
+            <Field data-invalid={Boolean(errors.amount)}>
+              <FieldLabel htmlFor="ce-amount">{tr.transactions.fields.amount}</FieldLabel>
+              <MoneyInput
+                id="ce-amount"
+                value={v.amount}
+                onChange={(x) => setV((s) => ({ ...s, amount: x }))}
+                aria-invalid={Boolean(errors.amount)}
+                autoFocus
+              />
+              {errors.amount ? <FieldError>{errors.amount}</FieldError> : null}
+            </Field>
+            <Field data-invalid={Boolean(errors.date)}>
+              <FieldLabel htmlFor="ce-date">{tr.transactions.fields.date}</FieldLabel>
+              <Input
+                id="ce-date"
+                type="date"
+                value={v.date}
+                onChange={(e) => setV((s) => ({ ...s, date: e.target.value }))}
+              />
+              {errors.date ? <FieldError>{errors.date}</FieldError> : null}
+            </Field>
+          </div>
+          <Field data-invalid={Boolean(errors.accountId)}>
+            <FieldLabel htmlFor="ce-account">
+              {isOutgoing(kind) ? f.fromAccount : f.toAccount}
+            </FieldLabel>
+            <AccountSelect
+              id="ce-account"
+              value={v.accountId}
+              onChange={(x) => setV((s) => ({ ...s, accountId: x }))}
+              accounts={accounts}
+              invalid={Boolean(errors.accountId)}
+            />
+            {errors.accountId ? <FieldError>{errors.accountId}</FieldError> : null}
+          </Field>
+          <Field>
+            <FieldLabel htmlFor="ce-description">{tr.transactions.fields.description}</FieldLabel>
+            <Input
+              id="ce-description"
+              value={v.description}
+              onChange={(e) => setV((s) => ({ ...s, description: e.target.value }))}
+            />
+          </Field>
+          {createsDebt ? (
+            <DueFields
+              dueDate={v.dueDate}
+              reminderDays={v.reminderDays}
+              onChange={(d, r) => setV((s) => ({ ...s, dueDate: d, reminderDays: r }))}
+              errors={errors}
+            />
+          ) : null}
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}

src/features/contacts/components/contact-statement-view.tsx

@@ -0,0 +1,165 @@
+"use client";
+
+import { ArrowLeft, Lock, Pencil, Phone, Plus } from "lucide-react";
+import Link from "next/link";
+import { useState } from "react";
+import { PageHeader } from "@/components/page-header";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent, CardDescription, CardHeader } from "@/components/ui/card";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatDate, formatMoney } from "@/shared/format";
+import { InKindSection } from "@/features/in-kind/components/in-kind-section";
+import type { InKindView } from "@/features/in-kind/service";
+import type { ContactStatement } from "../service";
+import { ContactEntryDialog, ContactFormDialog, type EntryMode } from "./contact-dialogs";
+import { ContactBalance, DueBadge } from "./contacts-view";
+
+const t = tr.contacts;
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+
+function Delta({ minor }: { minor: number }) {
+  return (
+    <span
+      className={cn(
+        "font-semibold whitespace-nowrap tabular-nums",
+        minor > 0 ? "text-income" : "text-expense",
+      )}
+    >
+      {minor > 0 ? "+" : "−"}
+      {formatMoney(Math.abs(minor))}
+    </span>
+  );
+}
+
+/** Cari ekstresi: hareketler (yeniden eskiye) ve yürüyen bakiye (+ bana borçlu, − ben borçluyum). */
+export function ContactStatementView({
+  data,
+  inKind,
+}: {
+  data: ContactStatement;
+  inKind: InKindView[];
+}) {
+  const c = data.contact;
+  const [entry, setEntry] = useState<EntryMode | null>(null);
+  const [editing, setEditing] = useState(false);
+  const canWrite = data.canWrite && !c.archived;
+
+  return (
+    <div className="flex flex-col gap-4">
+      <Button variant="ghost" size="sm" asChild className="-ml-2 w-fit">
+        <Link href="/cari">
+          <ArrowLeft />
+          {t.title}
+        </Link>
+      </Button>
+      <PageHeader
+        title={c.name}
+        description={t.relations[c.relation]}
+        actions={
+          data.canWrite ? (
+            <>
+              <Button variant="outline" onClick={() => setEditing(true)}>
+                <Pencil />
+                <span className="hidden sm:inline">{tr.common.edit}</span>
+              </Button>
+              {canWrite ? (
+                <Button onClick={() => setEntry({ contact: c })}>
+                  <Plus />
+                  {t.newEntry}
+                </Button>
+              ) : null}
+            </>
+          ) : null
+        }
+      />
+      <Card>
+        <CardContent className="flex flex-wrap items-center justify-between gap-3">
+          <div className="flex flex-col gap-1 text-sm">
+            <DueBadge contact={c} />
+            {c.phone ? (
+              <a
+                href={`tel:${c.phone}`}
+                className="inline-flex items-center gap-1.5 hover:underline"
+              >
+                <Phone className="size-3.5" aria-hidden />
+                {c.phone}
+              </a>
+            ) : null}
+            {c.isPrivate ? (
+              <span className="inline-flex items-center gap-1.5 text-xs text-muted-foreground">
+                <Lock className="size-3.5" aria-hidden />
+                {t.privateBadge}
+              </span>
+            ) : null}
+            {c.note ? <p className="text-muted-foreground">{c.note}</p> : null}
+          </div>
+          <ContactBalance minor={c.balanceMinor} className="text-lg" />
+        </CardContent>
+      </Card>
+
+      <InKindSection contactId={c.id} items={inKind} canWrite={canWrite} />
+
+      <h2 className="text-base font-medium">{t.statement}</h2>
+      {data.rows.length === 0 && c.openingBalanceMinor === 0 ? (
+        <Card>
+          <CardHeader>
+            <CardDescription>{t.emptyEntries}</CardDescription>
+          </CardHeader>
+        </Card>
+      ) : (
+        <ul className="divide-y rounded-xl border bg-card">
+          {data.rows.map((r) => {
+            const content = (
+              <>
+                <span className="min-w-0 flex-1">
+                  <span className="block truncate font-medium">
+                    {tr.contacts.kinds[r.item.contact!.kind]}
+                  </span>
+                  <span className="block truncate text-xs text-muted-foreground">
+                    {d(r.item.date)} · {r.item.account?.name ?? r.item.toAccount?.name ?? "—"}
+                    {r.item.description ? ` · ${r.item.description}` : ""}
+                  </span>
+                </span>
+                <span className="flex flex-col items-end">
+                  <Delta minor={r.deltaMinor} />
+                  <span
+                    className="text-xs text-muted-foreground tabular-nums"
+                    title={t.runningBalance}
+                  >
+                    {formatMoney(r.balanceMinor)}
+                  </span>
+                </span>
+              </>
+            );
+            const cls = "flex w-full items-center gap-3 p-3 text-left";
+            return (
+              <li key={r.item.id}>
+                {canWrite ? (
+                  <button
+                    type="button"
+                    className={cn(cls, "outline-none hover:bg-muted/50 focus-visible:bg-muted")}
+                    onClick={() => setEntry({ contact: c, entry: r.item })}
+                  >
+                    {content}
+                  </button>
+                ) : (
+                  <div className={cls}>{content}</div>
+                )}
+              </li>
+            );
+          })}
+          <li className="flex items-center gap-3 p-3 text-sm text-muted-foreground">
+            <span className="flex-1">
+              {t.opening} · {d(c.openingDate)}
+            </span>
+            <span className="tabular-nums">{formatMoney(c.openingBalanceMinor)}</span>
+          </li>
+        </ul>
+      )}
+
+      <ContactEntryDialog mode={entry} onClose={() => setEntry(null)} />
+      <ContactFormDialog open={editing} contact={c} onOpenChange={setEditing} />
+    </div>
+  );
+}

src/features/contacts/components/contacts-view.tsx

@@ -0,0 +1,200 @@
+"use client";
+
+import {
+  Archive,
+  ArchiveRestore,
+  ChevronDown,
+  EllipsisVertical,
+  Lock,
+  Pencil,
+  Plus,
+  Users,
+} from "lucide-react";
+import Link from "next/link";
+import { useState, useTransition } from "react";
+import { toast } from "sonner";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardDescription, CardHeader, CardTitle } from "@/components/ui/card";
+import { Collapsible, CollapsibleContent, CollapsibleTrigger } from "@/components/ui/collapsible";
+import {
+  DropdownMenu,
+  DropdownMenuContent,
+  DropdownMenuItem,
+  DropdownMenuTrigger,
+} from "@/components/ui/dropdown-menu";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatDate, formatMoney } from "@/shared/format";
+import { setContactArchivedAction } from "../actions";
+import type { ContactList, ContactView } from "../service";
+import { ContactEntryDialog, ContactFormDialog, type EntryMode } from "./contact-dialogs";
+
+const t = tr.contacts;
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+
+export function ContactBalance({ minor, className }: { minor: number; className?: string }) {
+  const label = minor > 0 ? t.balance.owesMe : minor < 0 ? t.balance.iOwe : t.balance.settled;
+  return (
+    <span className={cn("flex flex-col items-end", className)}>
+      <span className="text-xs text-muted-foreground">{label}</span>
+      <span
+        className={cn(
+          "font-semibold whitespace-nowrap tabular-nums",
+          minor > 0 && "text-income",
+          minor < 0 && "text-expense",
+        )}
+      >
+        {formatMoney(Math.abs(minor))}
+      </span>
+    </span>
+  );
+}
+
+export function DueBadge({ contact }: { contact: ContactView }) {
+  if (!contact.dueDate || contact.balanceMinor === 0) return null;
+  if (contact.due === "overdue")
+    return <Badge variant="destructive">{t.due.overdue(d(contact.dueDate))}</Badge>;
+  if (contact.due === "upcoming")
+    return <Badge variant="secondary">{t.due.upcoming(d(contact.dueDate))}</Badge>;
+  return <Badge variant="outline">{t.due.on(d(contact.dueDate))}</Badge>;
+}
+
+export function ContactsView({
+  data,
+  inKind,
+  canWrite,
+}: {
+  data: ContactList;
+  /** Açık aynî kayıtlar (cari kimliği → yön ve kalan miktar). */
+  inKind: Record<string, { direction: "debt" | "receivable"; label: string }[]>;
+  canWrite: boolean;
+}) {
+  const [form, setForm] = useState<{ contact: ContactView | null } | null>(null);
+  const [entry, setEntry] = useState<EntryMode | null>(null);
+  const [archivedOpen, setArchivedOpen] = useState(false);
+  const [, startTransition] = useTransition();
+  const active = data.contacts.filter((c) => !c.archived);
+  const archived = data.contacts.filter((c) => c.archived);
+
+  function archive(c: ContactView, value: boolean) {
+    startTransition(async () => {
+      const r = await setContactArchivedAction(c.id, value);
+      if (r.ok) toast.success(value ? t.toast.archived : t.toast.unarchived);
+      else toast.error(r.error);
+    });
+  }
+
+  const row = (c: ContactView) => (
+    <li key={c.id} className={cn("flex items-center gap-3 p-3", c.archived && "opacity-60")}>
+      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-muted text-muted-foreground">
+        <Users className="size-4.5" />
+      </span>
+      <div className="min-w-0 flex-1">
+        <span className="flex items-center gap-1.5">
+          <Link href={`/cari/${c.id}`} className="truncate font-medium hover:underline">
+            {c.name}
+          </Link>
+          {c.isPrivate ? (
+            <Lock className="size-3.5 shrink-0 text-muted-foreground" aria-label={t.privateBadge} />
+          ) : null}
+        </span>
+        <span className="flex flex-wrap items-center gap-x-2 gap-y-1 text-xs text-muted-foreground">
+          <span>{t.relations[c.relation]}</span>
+          {c.lastActivity ? <span>· {t.lastActivity(d(c.lastActivity))}</span> : null}
+          <DueBadge contact={c} />
+          {(inKind[c.id] ?? []).map((x, i) => (
+            <Badge key={i} variant={x.direction === "debt" ? "destructive" : "secondary"}>
+              {x.label}
+            </Badge>
+          ))}
+        </span>
+      </div>
+      <ContactBalance minor={c.balanceMinor} />
+      {canWrite ? (
+        <DropdownMenu modal={false}>
+          <DropdownMenuTrigger asChild>
+            <Button size="icon-sm" variant="ghost" aria-label={tr.recurring.actions.more}>
+              <EllipsisVertical />
+            </Button>
+          </DropdownMenuTrigger>
+          <DropdownMenuContent align="end">
+            {!c.archived ? (
+              <DropdownMenuItem onSelect={() => setEntry({ contact: c })}>
+                <Plus />
+                {t.newEntry}
+              </DropdownMenuItem>
+            ) : null}
+            <DropdownMenuItem onSelect={() => setForm({ contact: c })}>
+              <Pencil />
+              {tr.common.edit}
+            </DropdownMenuItem>
+            <DropdownMenuItem onSelect={() => archive(c, !c.archived)}>
+              {c.archived ? <ArchiveRestore /> : <Archive />}
+              {c.archived ? t.unarchive : t.archive}
+            </DropdownMenuItem>
+          </DropdownMenuContent>
+        </DropdownMenu>
+      ) : null}
+    </li>
+  );
+
+  return (
+    <div className="flex flex-col gap-4">
+      <div className="grid grid-cols-3 gap-3">
+        {(
+          [
+            [t.summary.owesMe, data.totals.owesMeMinor, "text-income"],
+            [t.summary.iOwe, data.totals.iOweMinor, "text-expense"],
+            [t.summary.net, data.totals.owesMeMinor - data.totals.iOweMinor, ""],
+          ] as const
+        ).map(([label, value, tone]) => (
+          <Card key={label} size="sm">
+            <CardHeader>
+              <CardDescription>{label}</CardDescription>
+              <CardTitle className={cn("text-base tabular-nums", tone)}>
+                {formatMoney(value)}
+              </CardTitle>
+            </CardHeader>
+          </Card>
+        ))}
+      </div>
+      {canWrite ? (
+        <div className="flex justify-end">
+          <Button onClick={() => setForm({ contact: null })}>
+            <Plus />
+            {t.new}
+          </Button>
+        </div>
+      ) : null}
+      {active.length === 0 ? (
+        <Card>
+          <CardHeader>
+            <CardDescription>{t.empty}</CardDescription>
+          </CardHeader>
+        </Card>
+      ) : (
+        <ul className="divide-y rounded-xl border bg-card">{active.map(row)}</ul>
+      )}
+      {archived.length ? (
+        <Collapsible open={archivedOpen} onOpenChange={setArchivedOpen}>
+          <CollapsibleTrigger asChild>
+            <Button variant="ghost" size="sm" className="-ml-2 w-fit">
+              <ChevronDown className={cn("transition-transform", archivedOpen && "rotate-180")} />
+              {t.archivedSection(archived.length)}
+            </Button>
+          </CollapsibleTrigger>
+          <CollapsibleContent className="pt-2">
+            <ul className="divide-y rounded-xl border bg-card">{archived.map(row)}</ul>
+          </CollapsibleContent>
+        </Collapsible>
+      ) : null}
+      <ContactFormDialog
+        open={Boolean(form)}
+        contact={form?.contact ?? null}
+        onOpenChange={(o) => !o && setForm(null)}
+      />
+      <ContactEntryDialog mode={entry} onClose={() => setEntry(null)} />
+    </div>
+  );
+}

src/features/contacts/components/due-banner.tsx

@@ -0,0 +1,29 @@
+import { HandCoins } from "lucide-react";
+import Link from "next/link";
+import { Button } from "@/components/ui/button";
+import { tr } from "@/i18n/tr";
+import { countDueContacts } from "../service";
+
+/** Dashboard: vadesi geçmiş veya yaklaşan cari borç/alacak uyarısı (Faz 8 kararı: uygulama içi). */
+export async function ContactsDueBanner({
+  userId,
+  householdId,
+}: {
+  userId: string;
+  householdId: string;
+}) {
+  const n = await countDueContacts(userId, householdId);
+  if (!n) return null;
+  return (
+    <div
+      role="status"
+      className="flex flex-wrap items-center gap-3 rounded-xl border border-budget/30 bg-budget/10 p-3 text-sm"
+    >
+      <HandCoins className="size-4 shrink-0 text-budget" aria-hidden />
+      <span className="flex-1">{tr.contacts.dueBanner(n)}</span>
+      <Button asChild size="sm" variant="outline">
+        <Link href="/cari">{tr.contacts.dueLink}</Link>
+      </Button>
+    </div>
+  );
+}

src/features/contacts/service.int.test.ts

@@ -0,0 +1,270 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { listAccounts } from "@/features/accounts/service";
+import {
+  getTransaction,
+  listTransactions,
+  updateTransaction,
+} from "@/features/transactions/service";
+import { currentMonth, getAccountStatement } from "@/features/transactions/statement";
+import { AccountModel } from "@/models/account";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+import {
+  contactEntrySchema,
+  contactFormSchema,
+  type ContactEntryInput,
+  type ContactFormInput,
+} from "@/shared/schemas/contact";
+import { transactionFilterSchema } from "@/shared/schemas/transaction";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import {
+  countDueContacts,
+  createContact,
+  createContactEntry,
+  getContactStatement,
+  listContacts,
+  setContactArchived,
+  updateContact,
+  updateContactEntry,
+} from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let emre = "";
+let zeynep = "";
+let fatma = "";
+const today = todayIstanbul();
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  zeynep = ids.user("zeynep");
+  fatma = ids.user("fatma");
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+const contactForm = (over: Partial<ContactFormInput> = {}) =>
+  contactFormSchema.parse({ name: "Test Kişi", openingDate: today, ...over });
+const entry = (over: Partial<ContactEntryInput>) =>
+  contactEntrySchema.parse({ kind: "lend", amount: "1000", date: today, ...over });
+
+async function balance(userId: string, accountId: string) {
+  return (await listAccounts(userId, cakir))!.accounts.find((a) => a.id === accountId)!
+    .balanceMinor!;
+}
+async function contactBalance(userId: string, id: string) {
+  return (await listContacts(userId, cakir))!.contacts.find((c) => c.id === id)!.balanceMinor;
+}
+const sums = async () =>
+  (await listTransactions(ayse, cakir, transactionFilterSchema.parse({})))!.sums;
+
+describe("cari defteri", () => {
+  let ahmet = "";
+  let lendId = "";
+
+  it("borç verme ve tahsilat: hesap bakiyeleri değişir, gelir/gider toplamlarına girmez", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const cuzdan = await acc("Cüzdan");
+    const [zBefore, cBefore, sBefore] = [
+      await balance(ayse, ziraat),
+      await balance(ayse, cuzdan),
+      await sums(),
+    ];
+    const c = await createContact(
+      ayse,
+      cakir,
+      contactForm({ name: "Kemal Test", relation: "friend" }),
+    );
+    expect(c.ok).toBe(true);
+    ahmet = c.ok ? c.data.id : "";
+
+    const l = await createContactEntry(
+      ayse,
+      cakir,
+      ahmet,
+      entry({ accountId: ziraat, amount: "5.000" }),
+    );
+    expect(l.ok).toBe(true);
+    lendId = l.ok ? l.data.id : "";
+    await createContactEntry(
+      emre,
+      cakir,
+      ahmet,
+      entry({ kind: "collect", accountId: cuzdan, amount: "2.000" }),
+    );
+
+    expect(await balance(ayse, ziraat)).toBe(zBefore - 5_000_00);
+    expect(await balance(ayse, cuzdan)).toBe(cBefore + 2_000_00);
+    expect(await contactBalance(ayse, ahmet)).toBe(3_000_00);
+    expect(await sums()).toEqual(sBefore);
+
+    const detail = (await getTransaction(ayse, cakir, lendId))!;
+    expect(detail).toMatchObject({
+      type: "transfer",
+      contact: { kind: "lend", name: "Kemal Test" },
+    });
+    expect(detail.toAccount).toBeNull();
+  });
+
+  it("borç alma ve geri ödeme; açılış bakiyesi; ekstre yürüyen bakiye", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const c = await createContact(
+      ayse,
+      cakir,
+      contactForm({ name: "Hasan Amca", relation: "family", openingBalance: "-1.000" }),
+    );
+    const hasan = c.ok ? c.data.id : "";
+    await createContactEntry(
+      ayse,
+      cakir,
+      hasan,
+      entry({ kind: "borrow", accountId: ziraat, amount: "10.000" }),
+    );
+    await createContactEntry(
+      ayse,
+      cakir,
+      hasan,
+      entry({ kind: "repay", accountId: ziraat, amount: "4.000" }),
+    );
+    expect(await contactBalance(ayse, hasan)).toBe(-7_000_00);
+
+    const s = (await getContactStatement(ayse, cakir, hasan))!;
+    expect(s.rows).toHaveLength(2);
+    expect(s.rows[0]!.balanceMinor).toBe(-7_000_00);
+    expect(s.rows[1]!.balanceMinor).toBe(-11_000_00);
+    expect(s.contact.balanceMinor).toBe(-7_000_00);
+
+    const list = (await listContacts(ayse, cakir))!;
+    expect(list.totals.iOweMinor).toBeGreaterThanOrEqual(7_000_00);
+    expect(list.totals.owesMeMinor).toBeGreaterThanOrEqual(3_000_00);
+  });
+
+  it("hareket düzenleme: tür değişince yön ve bakiyeler değişir; işlem formuyla düzenlenemez", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const before = await balance(ayse, ziraat);
+    const u = await updateContactEntry(
+      ayse,
+      cakir,
+      lendId,
+      entry({ kind: "borrow", accountId: ziraat, amount: "5.000" }),
+    );
+    expect(u.ok).toBe(true);
+    expect(await balance(ayse, ziraat)).toBe(before + 10_000_00);
+    expect(await contactBalance(ayse, ahmet)).toBe(-7_000_00);
+    const d = (await getTransaction(ayse, cakir, lendId))!;
+    expect(d.account).toBeNull();
+    expect(d.toAccount?.id).toBe(ziraat);
+
+    const viaForm = await updateTransaction(ayse, cakir, lendId, {
+      type: "transfer",
+      amount: 1,
+      date: today,
+      accountId: ziraat,
+      toAccountId: await acc("Cüzdan"),
+      categoryId: null,
+      splits: [],
+      payee: "",
+      description: "",
+      tags: [],
+      installments: 1,
+      attachmentIds: [],
+    });
+    expect(viaForm.ok).toBe(false);
+  });
+
+  it("vade uyarısı: yaklaşan, geçmiş, kapalı bakiye", async () => {
+    const c = await createContact(
+      ayse,
+      cakir,
+      contactForm({
+        name: "Vade Kişi",
+        openingBalance: "500",
+        dueDate: addDays(today, 2),
+        reminderDays: 3,
+      }),
+    );
+    const id = c.ok ? c.data.id : "";
+    const before = await countDueContacts(ayse, cakir);
+    let v = (await listContacts(ayse, cakir))!.contacts.find((x) => x.id === id)!;
+    expect(v.due).toBe("upcoming");
+    await updateContact(
+      ayse,
+      cakir,
+      id,
+      contactForm({ name: "Vade Kişi", openingBalance: "500", dueDate: addDays(today, -1) }),
+    );
+    v = (await listContacts(ayse, cakir))!.contacts.find((x) => x.id === id)!;
+    expect(v.due).toBe("overdue");
+    await updateContact(
+      ayse,
+      cakir,
+      id,
+      contactForm({ name: "Vade Kişi", openingBalance: "0", dueDate: addDays(today, -1) }),
+    );
+    v = (await listContacts(ayse, cakir))!.contacts.find((x) => x.id === id)!;
+    expect(v.due).toBe("none");
+    expect(await countDueContacts(ayse, cakir)).toBe(before - 1);
+  });
+
+  it("aynı ad engellenir; arşivli cariye hareket eklenmez", async () => {
+    expect((await createContact(ayse, cakir, contactForm({ name: "kemal TEST" }))).ok).toBe(false);
+    expect((await setContactArchived(ayse, cakir, ahmet, true)).ok).toBe(true);
+    expect(
+      (await createContactEntry(ayse, cakir, ahmet, entry({ accountId: await acc("Cüzdan") }))).ok,
+    ).toBe(false);
+    expect((await setContactArchived(ayse, cakir, ahmet, false)).ok).toBe(true);
+  });
+});
+
+describe("yetki ve gizlilik", () => {
+  it("izleyici yazamaz; hane dışı göremez; başka hanenin hesabı kullanılamaz", async () => {
+    expect((await createContact(zeynep, cakir, contactForm({ name: "X" }))).ok).toBe(false);
+    expect(await listContacts(fatma, cakir)).toBeNull();
+    const c = await createContact(ayse, cakir, contactForm({ name: "Hesap Testi" }));
+    const id = c.ok ? c.data.id : "";
+    const otherHousehold = String(
+      (await AccountModel.findOne({ name: "Vakıfbank Emekli" }).lean())!._id,
+    );
+    expect(
+      (await createContactEntry(ayse, cakir, id, entry({ accountId: otherHousehold }))).ok,
+    ).toBe(false);
+  });
+
+  it("yalnızca ben cari: başkası listede, ekstrede ve işlemlerde görmez; hesap ekstresinde ad gizlenir", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const c = await createContact(
+      ayse,
+      cakir,
+      contactForm({ name: "Gizli Kişi", isPrivate: true }),
+    );
+    const id = c.ok ? c.data.id : "";
+    const e = await createContactEntry(
+      ayse,
+      cakir,
+      id,
+      entry({ accountId: ziraat, amount: "750" }),
+    );
+    const txId = e.ok ? e.data.id : "";
+
+    expect((await listContacts(emre, cakir))!.contacts.some((x) => x.id === id)).toBe(false);
+    expect(await getContactStatement(emre, cakir, id)).toBeNull();
+    expect(await getTransaction(emre, cakir, txId)).toBeNull();
+    expect((await createContactEntry(emre, cakir, id, entry({ accountId: ziraat }))).ok).toBe(
+      false,
+    );
+
+    const st = (await getAccountStatement(emre, cakir, ziraat, currentMonth()))!;
+    const row = st.rows.find((r) => r.item.id === txId)!;
+    expect(row.restricted).toBe(true);
+    expect(row.item.contact!.name).not.toBe("Gizli Kişi");
+    // Ortak hesabın bakiyesi herkes için aynı.
+    expect(await balance(emre, ziraat)).toBe(await balance(ayse, ziraat));
+  });
+});

src/features/contacts/service.ts

@@ -0,0 +1,444 @@
+import "server-only";
+import { Types, type PipelineStage } from "mongoose";
+import {
+  loadContext,
+  loadOwnTransaction,
+  toItem,
+  userNames,
+  type Ctx,
+  type LeanTx,
+  type TransactionListItem,
+} from "@/features/transactions/service";
+import { hasHouseholdRole } from "@/features/households/roles";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { writeAudit } from "@/lib/audit";
+import { toObjectId } from "@/lib/object-id";
+import { ContactModel } from "@/models/contact";
+import { TransactionModel } from "@/models/transaction";
+import {
+  contactDelta,
+  dueState,
+  isOutgoing,
+  type ContactRelation,
+  type DueState,
+} from "@/shared/contacts";
+import { istanbulDayStart, todayIstanbul, toIstanbulYmd } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+import type { ContactEntry, ContactForm } from "@/shared/schemas/contact";
+import { compareTr, foldTr } from "@/shared/search";
+
+/**
+ * Cari hesaplar (Bölüm 6.4). Okuma: viewer; yazma: member. Hareketler `transactions` içinde
+ * transferdir (`contactId`, `contactKind`): cariye çıkışta `accountId` dolu/`toAccountId` boş,
+ * cariden girişte tersi. Böylece hesap bakiyesi, ekstre ve mutabakat ek kural gerektirmez;
+ * gelir/gider raporlarına girmez.
+ */
+
+const t = tr.contacts;
+
+type ContactDoc = {
+  _id: Types.ObjectId;
+  householdId: Types.ObjectId;
+  name: string;
+  relation: ContactRelation;
+  phone: string;
+  note: string;
+  openingBalanceMinor: number;
+  openingDate: Date;
+  dueDate?: string | null;
+  reminderDays: number;
+  isPrivate: boolean;
+  ownerUserId?: Types.ObjectId | null;
+  archivedAt?: Date | null;
+  updatedAt: Date;
+};
+
+const visible = (c: ContactDoc, userId: string) => !c.isPrivate || String(c.ownerUserId) === userId;
+
+/** Cari bazında hareket toplamı (+ çıkış, − giriş) ve son hareket tarihi. */
+async function contactTotals(householdId: Types.ObjectId, contactIds?: Types.ObjectId[]) {
+  const pipeline: PipelineStage[] = [
+    {
+      $match: {
+        householdId,
+        status: "posted",
+        deletedAt: null,
+        contactId: contactIds ? { $in: contactIds } : { $type: "objectId" },
+        // Aynî borç hareketleri cari TL bakiyesine girmez.
+        contactKind: { $ne: null },
+      },
+    },
+    {
+      $group: {
+        _id: "$contactId",
+        delta: {
+          $sum: {
+            $cond: [
+              { $in: ["$contactKind", ["lend", "repay"]] },
+              "$amountMinor",
+              { $multiply: ["$amountMinor", -1] },
+            ],
+          },
+        },
+        last: { $max: "$date" },
+      },
+    },
+  ];
+  const rows = await TransactionModel.aggregate<{ _id: Types.ObjectId; delta: number; last: Date }>(
+    pipeline,
+  );
+  return new Map(rows.map((r) => [String(r._id), r]));
+}
+
+export type ContactView = {
+  id: string;
+  name: string;
+  relation: ContactRelation;
+  phone: string;
+  note: string;
+  /** + bana borçlu, − ben borçluyum. */
+  balanceMinor: number;
+  openingBalanceMinor: number;
+  openingDate: string;
+  dueDate: string | null;
+  reminderDays: number;
+  due: DueState;
+  isPrivate: boolean;
+  archived: boolean;
+  lastActivity: string | null;
+};
+
+function toView(
+  c: ContactDoc,
+  totals: Map<string, { delta: number; last: Date }>,
+  today: string,
+): ContactView {
+  const x = totals.get(String(c._id));
+  const balanceMinor = c.openingBalanceMinor + (x?.delta ?? 0);
+  return {
+    id: String(c._id),
+    name: c.name,
+    relation: c.relation,
+    phone: c.phone,
+    note: c.note,
+    balanceMinor,
+    openingBalanceMinor: c.openingBalanceMinor,
+    openingDate: toIstanbulYmd(c.openingDate),
+    dueDate: c.dueDate ?? null,
+    reminderDays: c.reminderDays,
+    due: dueState(balanceMinor, c.dueDate ?? null, c.reminderDays, today, addDays),
+    isPrivate: c.isPrivate,
+    archived: Boolean(c.archivedAt),
+    lastActivity: x?.last ? toIstanbulYmd(x.last) : null,
+  };
+}
+
+export type ContactList = {
+  contacts: ContactView[];
+  totals: { owesMeMinor: number; iOweMinor: number };
+};
+
+export async function listContacts(
+  userId: string,
+  householdId: string,
+): Promise<ContactList | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const docs = (await ContactModel.find({ householdId: ctx.m.householdId }).lean<ContactDoc[]>())
+    .filter((c) => visible(c, userId))
+    .sort((a, b) => compareTr(a.name, b.name));
+  const totals = await contactTotals(
+    ctx.m.householdId,
+    docs.map((d) => d._id),
+  );
+  const today = todayIstanbul();
+  const contacts = docs.map((c) => toView(c, totals, today));
+  let owesMeMinor = 0;
+  let iOweMinor = 0;
+  for (const c of contacts) {
+    if (c.archived) continue;
+    if (c.balanceMinor > 0) owesMeMinor += c.balanceMinor;
+    else iOweMinor += -c.balanceMinor;
+  }
+  return { contacts, totals: { owesMeMinor, iOweMinor } };
+}
+
+async function loadContact(ctx: Ctx, contactId: string, userId: string) {
+  const id = toObjectId(contactId);
+  if (!id) return null;
+  const c = await ContactModel.findOne({
+    _id: id,
+    householdId: ctx.m.householdId,
+  }).lean<ContactDoc>();
+  return c && visible(c, userId) ? c : null;
+}
+
+async function nameTaken(householdId: Types.ObjectId, name: string, exceptId?: Types.ObjectId) {
+  const key = foldTr(name);
+  const others = await ContactModel.find(
+    { householdId, archivedAt: null, ...(exceptId ? { _id: { $ne: exceptId } } : {}) },
+    { name: 1 },
+  ).lean();
+  return others.some((o) => foldTr(o.name) === key);
+}
+
+// --- Cari yazma ---
+
+export async function createContact(
+  actorId: string,
+  householdId: string,
+  input: ContactForm,
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  if (await nameTaken(ctx.m.householdId, input.name))
+    return fail(t.errors.duplicate, { name: t.errors.duplicate });
+  const actor = new Types.ObjectId(actorId);
+  const doc = await ContactModel.create({
+    householdId: ctx.m.householdId,
+    name: input.name,
+    relation: input.relation,
+    phone: input.phone,
+    note: input.note,
+    openingBalanceMinor: input.openingBalance,
+    openingDate: istanbulDayStart(input.openingDate)!,
+    dueDate: input.dueDate,
+    reminderDays: input.reminderDays,
+    isPrivate: input.isPrivate,
+    ownerUserId: input.isPrivate ? actor : null,
+    createdBy: actor,
+    updatedBy: actor,
+  });
+  return ok({ id: String(doc._id) });
+}
+
+export async function updateContact(
+  actorId: string,
+  householdId: string,
+  contactId: string,
+  input: ContactForm,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const c = await loadContact(ctx, contactId, actorId);
+  if (!c) return fail(tr.common.notFound);
+  if (await nameTaken(ctx.m.householdId, input.name, c._id))
+    return fail(t.errors.duplicate, { name: t.errors.duplicate });
+  // Gizlilik yalnızca sahibince (veya ortak cariyi gizlerken işlemi yapanca) belirlenir.
+  const owner = c.ownerUserId ?? (input.isPrivate ? new Types.ObjectId(actorId) : null);
+  await ContactModel.updateOne(
+    { _id: c._id, householdId: ctx.m.householdId },
+    {
+      $set: {
+        name: input.name,
+        relation: input.relation,
+        phone: input.phone,
+        note: input.note,
+        openingBalanceMinor: input.openingBalance,
+        openingDate: istanbulDayStart(input.openingDate)!,
+        dueDate: input.dueDate,
+        reminderDays: input.reminderDays,
+        isPrivate: input.isPrivate,
+        ownerUserId: input.isPrivate ? owner : null,
+        updatedBy: new Types.ObjectId(actorId),
+      },
+    },
+  );
+  return ok(undefined);
+}
+
+export async function setContactArchived(
+  actorId: string,
+  householdId: string,
+  contactId: string,
+  archived: boolean,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const c = await loadContact(ctx, contactId, actorId);
+  if (!c) return fail(tr.common.notFound);
+  if (!archived && (await nameTaken(ctx.m.householdId, c.name, c._id)))
+    return fail(t.errors.duplicate);
+  await ContactModel.updateOne(
+    { _id: c._id, householdId: ctx.m.householdId },
+    { $set: { archivedAt: archived ? new Date() : null, updatedBy: new Types.ObjectId(actorId) } },
+  );
+  await writeAudit({
+    action: archived ? "contact.archive" : "contact.unarchive",
+    actorId: new Types.ObjectId(actorId),
+    householdId: ctx.m.householdId,
+    targetType: "contact",
+    targetId: String(c._id),
+    diff: { name: c.name },
+  });
+  return ok(undefined);
+}
+
+// --- Cari hareketleri ---
+
+function entryFields(ctx: Ctx, contact: ContactDoc, input: ContactEntry, keepAccount?: string) {
+  const info = ctx.accountMap.get(input.accountId);
+  if (!info || info.hidden || (info.archived && input.accountId !== keepAccount)) {
+    return fail(tr.transactions.validation.accountInvalid, {
+      accountId: tr.transactions.validation.accountInvalid,
+    });
+  }
+  const date = istanbulDayStart(input.date);
+  if (!date) return fail(tr.validation.date, { date: tr.validation.date });
+  const out = isOutgoing(input.kind);
+  return ok({
+    type: "transfer" as const,
+    date,
+    accountId: out ? info.id : null,
+    toAccountId: out ? null : info.id,
+    contactId: contact._id,
+    contactKind: input.kind,
+    amountMinor: input.amount,
+    categoryId: null,
+    splits: [],
+    effectiveCategoryIds: [],
+    payeeName: "",
+    description: input.description,
+    searchText: foldTr(`${contact.name} ${input.description}`),
+  });
+}
+
+async function applyDue(contact: ContactDoc, input: ContactEntry, actor: Types.ObjectId) {
+  if (input.dueDate === undefined) return;
+  await ContactModel.updateOne(
+    { _id: contact._id },
+    {
+      $set: {
+        dueDate: input.dueDate,
+        ...(input.reminderDays !== undefined ? { reminderDays: input.reminderDays } : {}),
+        updatedBy: actor,
+      },
+    },
+  );
+}
+
+export async function createContactEntry(
+  actorId: string,
+  householdId: string,
+  contactId: string,
+  input: ContactEntry,
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const contact = await loadContact(ctx, contactId, actorId);
+  if (!contact) return fail(tr.common.notFound);
+  if (contact.archivedAt) return fail(t.errors.archived);
+  const fields = entryFields(ctx, contact, input);
+  if (!fields.ok) return fields;
+  const actor = new Types.ObjectId(actorId);
+  const doc = await TransactionModel.create({
+    ...fields.data,
+    householdId: ctx.m.householdId,
+    status: "posted",
+    createdBy: actor,
+    updatedBy: actor,
+  });
+  await applyDue(contact, input, actor);
+  return ok({ id: String(doc._id) });
+}
+
+export async function updateContactEntry(
+  actorId: string,
+  householdId: string,
+  transactionId: string,
+  input: ContactEntry,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const tx = await loadOwnTransaction(ctx, transactionId);
+  if (!tx?.contactId) return fail(tr.common.notFound);
+  const contact = await loadContact(ctx, String(tx.contactId), actorId);
+  if (!contact) return fail(tr.common.notFound);
+  const keep = String(tx.accountId ?? tx.toAccountId ?? "");
+  const fields = entryFields(ctx, contact, input, keep);
+  if (!fields.ok) return fields;
+  const d = fields.data;
+  const balanceChanged =
+    d.amountMinor !== tx.amountMinor ||
+    d.date.getTime() !== new Date(tx.date).getTime() ||
+    String(d.accountId ?? "") !== String(tx.accountId ?? "") ||
+    String(d.toAccountId ?? "") !== String(tx.toAccountId ?? "");
+  const actor = new Types.ObjectId(actorId);
+  await TransactionModel.updateOne(
+    { _id: tx._id, householdId: ctx.m.householdId },
+    {
+      $set: {
+        ...d,
+        updatedBy: actor,
+        ...(balanceChanged ? { reconciledAccountIds: [] } : {}),
+      },
+    },
+  );
+  await applyDue(contact, input, actor);
+  return ok(undefined);
+}
+
+// --- Ekstre ---
+
+export type ContactStatementRow = {
+  item: TransactionListItem;
+  deltaMinor: number;
+  balanceMinor: number;
+};
+
+export type ContactStatement = {
+  contact: ContactView;
+  /** Yeniden eskiye. */
+  rows: ContactStatementRow[];
+  canWrite: boolean;
+};
+
+export async function getContactStatement(
+  userId: string,
+  householdId: string,
+  contactId: string,
+): Promise<ContactStatement | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const contact = await loadContact(ctx, contactId, userId);
+  if (!contact) return null;
+  const txs = (await TransactionModel.find({
+    householdId: ctx.m.householdId,
+    contactId: contact._id,
+    contactKind: { $ne: null },
+    status: "posted",
+    deletedAt: null,
+  })
+    .sort({ date: 1, createdAt: 1 })
+    .limit(5000)
+    .lean()) as unknown as LeanTx[];
+  const names = await userNames(txs.map((x) => x.createdBy as Types.ObjectId));
+  let balance = contact.openingBalanceMinor;
+  const rows = txs.map((x): ContactStatementRow => {
+    const deltaMinor = contactDelta(x.contactKind!, x.amountMinor);
+    balance += deltaMinor;
+    const item = toItem(ctx, x, names);
+    // Başkasının gizli hesabıyla yapılan hareket: hesap adı gizlenir.
+    for (const a of [item.account, item.toAccount])
+      if (a && ctx.accountMap.get(a.id)?.hidden) a.name = tr.transactions.list.hiddenAccount;
+    return { item, deltaMinor, balanceMinor: balance };
+  });
+  const totals = new Map([
+    [
+      String(contact._id),
+      { delta: balance - contact.openingBalanceMinor, last: txs.at(-1)?.date ?? null },
+    ],
+  ]) as Map<string, { delta: number; last: Date }>;
+  return {
+    contact: toView(contact, totals, todayIstanbul()),
+    rows: rows.reverse(),
+    canWrite: hasHouseholdRole(ctx.m.role, "member"),
+  };
+}
+
+/** Dashboard: vadesi geçmiş veya yaklaşan (hatırlatma penceresindeki) cari sayısı. */
+export async function countDueContacts(userId: string, householdId: string): Promise<number> {
+  const list = await listContacts(userId, householdId);
+  return list?.contacts.filter((c) => !c.archived && c.due !== "none").length ?? 0;
+}

src/features/in-kind/actions.ts

@@ -0,0 +1,82 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { z } from "zod";
+import { tr } from "@/i18n/tr";
+import { fail, type ActionResult } from "@/lib/action-result";
+import { getHouseholdActionContext } from "@/lib/dal";
+import {
+  assetPriceFormSchema,
+  contributionSchema,
+  inKindFormSchema,
+  paymentFormSchema,
+} from "@/shared/schemas/in-kind";
+import {
+  addContribution,
+  createInKind,
+  deleteInKind,
+  recordPayment,
+  savePrice,
+  updateInKind,
+} from "./service";
+
+const idSchema = z.string().regex(/^[a-f0-9]{24}$/i);
+
+function fieldErrors(error: z.ZodError) {
+  const out: Record<string, string> = {};
+  for (const issue of error.issues) {
+    const key = issue.path.join(".");
+    if (key && !out[key]) out[key] = issue.message;
+  }
+  return out;
+}
+
+const revalidate = () => revalidatePath("/", "layout");
+
+async function run<T>(
+  schema: z.ZodType<T>,
+  input: unknown,
+  fn: (userId: string, householdId: string, data: T) => Promise<ActionResult<unknown>>,
+): Promise<ActionResult<unknown>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const parsed = schema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  const result = await fn(ctx.user.id, ctx.household.id, parsed.data);
+  if (result.ok) revalidate();
+  return result;
+}
+
+export async function savePriceAction(input: unknown) {
+  return run(assetPriceFormSchema, input, savePrice);
+}
+
+/** Yeni aynî kayıt (debtId boş, contactId dolu) veya mevcut kaydı düzenle. */
+export async function saveInKindAction(contactId: unknown, debtId: unknown, input: unknown) {
+  if (debtId) {
+    const id = idSchema.safeParse(debtId);
+    if (!id.success) return fail(tr.common.notFound);
+    return run(inKindFormSchema, input, (u, h, d) => updateInKind(u, h, id.data, d));
+  }
+  const cid = idSchema.safeParse(contactId);
+  if (!cid.success) return fail(tr.common.notFound);
+  return run(inKindFormSchema, input, (u, h, d) => createInKind(u, h, cid.data, d));
+}
+
+export async function deleteInKindAction(debtId: unknown): Promise<ActionResult<unknown>> {
+  const id = idSchema.safeParse(debtId);
+  if (!id.success) return fail(tr.common.notFound);
+  return run(z.unknown(), null, (u, h) => deleteInKind(u, h, id.data));
+}
+
+export async function addContributionAction(debtId: unknown, input: unknown) {
+  const id = idSchema.safeParse(debtId);
+  if (!id.success) return fail(tr.common.notFound);
+  return run(contributionSchema, input, (u, h, d) => addContribution(u, h, id.data, d));
+}
+
+export async function recordPaymentAction(debtId: unknown, input: unknown) {
+  const id = idSchema.safeParse(debtId);
+  if (!id.success) return fail(tr.common.notFound);
+  return run(paymentFormSchema, input, (u, h, d) => recordPayment(u, h, id.data, d));
+}

src/features/in-kind/components/in-kind-section.tsx

@@ -0,0 +1,781 @@
+"use client";
+
+import { Coins, EllipsisVertical, HandCoins, Pencil, PiggyBank, Plus, Trash2 } from "lucide-react";
+import Link from "next/link";
+import { useEffect, useState } from "react";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import {
+  AlertDialog,
+  AlertDialogCancel,
+  AlertDialogContent,
+  AlertDialogDescription,
+  AlertDialogFooter,
+  AlertDialogHeader,
+  AlertDialogTitle,
+} from "@/components/ui/alert-dialog";
+import { Badge } from "@/components/ui/badge";
+import { Checkbox } from "@/components/ui/checkbox";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent, CardDescription, CardHeader, CardTitle } from "@/components/ui/card";
+import {
+  DropdownMenu,
+  DropdownMenuContent,
+  DropdownMenuItem,
+  DropdownMenuSeparator,
+  DropdownMenuTrigger,
+} from "@/components/ui/dropdown-menu";
+import { Field, FieldDescription, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { Tabs, TabsList, TabsTrigger } from "@/components/ui/tabs";
+import { getAssetOptionsAction, type AssetOption } from "@/features/assets/actions";
+import { getTransactionFormOptionsAction } from "@/features/transactions/actions";
+import { AccountSelect } from "@/features/transactions/components/transaction-form";
+import type { TransactionFormOptions } from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { ASSET_KEYS, ASSETS, formatAssetQuantity, type AssetKey } from "@/shared/assets";
+import { todayIstanbul } from "@/shared/dates";
+import { formatDate, formatMoney } from "@/shared/format";
+import { formatMoneyInput } from "@/shared/money";
+import { QUANTITY_SCALE } from "@/shared/quantity";
+import {
+  addContributionAction,
+  deleteInKindAction,
+  recordPaymentAction,
+  saveInKindAction,
+} from "../actions";
+import type { InKindView } from "../service";
+
+const t = tr.inKind;
+type Errors = Record<string, string | undefined>;
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+const monthFmt = new Intl.DateTimeFormat("tr-TR", {
+  month: "long",
+  year: "numeric",
+  timeZone: "Europe/Istanbul",
+});
+const qtyInput = (q: number) =>
+  (q / QUANTITY_SCALE).toLocaleString("tr-TR", { maximumFractionDigits: 3, useGrouping: false });
+
+/** Hesap seçenekleri (diyaloglar açıldığında). */
+export function useAccounts() {
+  const [options, setOptions] = useState<TransactionFormOptions | null>(null);
+  useEffect(() => {
+    let cancelled = false;
+    getTransactionFormOptionsAction().then((r) => {
+      if (!cancelled && r.ok) setOptions(r.data);
+    });
+    return () => {
+      cancelled = true;
+    };
+  }, []);
+  return options?.accounts ?? null;
+}
+
+/** Kaydın varlık türündeki birikim varlıkları (ödeme diyaloğu açıldığında). */
+function useAssetOptions(assetKey: AssetKey) {
+  const [options, setOptions] = useState<AssetOption[] | null>(null);
+  useEffect(() => {
+    let cancelled = false;
+    getAssetOptionsAction().then((r) => {
+      if (!cancelled && r.ok) setOptions(r.data.filter((a) => a.assetKey === assetKey));
+    });
+    return () => {
+      cancelled = true;
+    };
+  }, [assetKey]);
+  return options;
+}
+
+function Stat({ label, value, tone }: { label: string; value: string; tone?: string }) {
+  return (
+    <div className="min-w-0">
+      <p className="text-xs text-muted-foreground">{label}</p>
+      <p className={cn("font-semibold tabular-nums", tone)}>{value}</p>
+    </div>
+  );
+}
+
+type Pending =
+  | { kind: "form"; item: InKindView | null }
+  | { kind: "contribute"; item: InKindView }
+  | { kind: "pay"; item: InKindView }
+  | { kind: "delete"; item: InKindView }
+  | null;
+
+/** Cari sayfasında aynî borç/alacak bölümü. */
+export function InKindSection({
+  contactId,
+  items,
+  canWrite,
+}: {
+  contactId: string;
+  items: InKindView[];
+  canWrite: boolean;
+}) {
+  const [pending, setPending] = useState<Pending>(null);
+  const close = () => setPending(null);
+
+  return (
+    <section className="flex flex-col gap-3" aria-labelledby="in-kind-title">
+      <div className="flex flex-wrap items-end justify-between gap-2">
+        <div>
+          <h2 id="in-kind-title" className="text-base font-medium">
+            {t.title}
+          </h2>
+          <p className="text-xs text-muted-foreground">{t.description}</p>
+        </div>
+        <div className="flex gap-2">
+          <Button variant="ghost" size="sm" asChild>
+            <Link href="/fiyatlar">
+              <Coins />
+              {t.prices}
+            </Link>
+          </Button>
+          {canWrite ? (
+            <Button
+              size="sm"
+              variant="outline"
+              onClick={() => setPending({ kind: "form", item: null })}
+            >
+              <Plus />
+              {t.new}
+            </Button>
+          ) : null}
+        </div>
+      </div>
+
+      {items.map((item) => (
+        <InKindCard key={item.id} item={item} canWrite={canWrite} onAction={setPending} />
+      ))}
+
+      {pending?.kind === "form" ? (
+        <InKindForm contactId={contactId} item={pending.item} onClose={close} />
+      ) : null}
+      {pending?.kind === "contribute" ? (
+        <ContributionForm item={pending.item} onClose={close} />
+      ) : null}
+      {pending?.kind === "pay" ? <PaymentForm item={pending.item} onClose={close} /> : null}
+      <AlertDialog open={pending?.kind === "delete"} onOpenChange={(o) => !o && close()}>
+        <AlertDialogContent>
+          <AlertDialogHeader>
+            <AlertDialogTitle>{t.deleteTitle}</AlertDialogTitle>
+            <AlertDialogDescription>{t.deleteDescription}</AlertDialogDescription>
+          </AlertDialogHeader>
+          <AlertDialogFooter>
+            <AlertDialogCancel>{tr.common.cancel}</AlertDialogCancel>
+            <Button
+              variant="destructive"
+              onClick={async () => {
+                if (pending?.kind !== "delete") return;
+                const r = await deleteInKindAction(pending.item.id);
+                close();
+                if (r.ok) toast.success(t.toast.deleted);
+                else toast.error(r.error);
+              }}
+            >
+              {t.delete}
+            </Button>
+          </AlertDialogFooter>
+        </AlertDialogContent>
+      </AlertDialog>
+    </section>
+  );
+}
+
+function InKindCard({
+  item,
+  canWrite,
+  onAction,
+}: {
+  item: InKindView;
+  canWrite: boolean;
+  onAction: (p: Pending) => void;
+}) {
+  const p = item.progress;
+  const debt = item.direction === "debt";
+  const open = !item.closedAt;
+  return (
+    <Card size="sm" className={cn(!open && "opacity-70")}>
+      <CardHeader>
+        <div className="flex items-start justify-between gap-2">
+          <div className="min-w-0">
+            <CardTitle className="flex flex-wrap items-center gap-2 text-base">
+              {item.label}
+              <Badge variant={debt ? "destructive" : "secondary"}>
+                {t.directions[item.direction]}
+              </Badge>
+              {item.closedAt ? (
+                <Badge variant="outline">{t.stats.closed(d(item.closedAt))}</Badge>
+              ) : null}
+            </CardTitle>
+            <CardDescription>
+              {t.stats.dateValue(d(item.date))}:{" "}
+              {item.valueMinor !== null ? formatMoney(item.valueMinor) : "—"}
+              {item.unitPriceMinor !== null
+                ? ` · ${t.stats.priceAt(formatMoney(item.unitPriceMinor), d(item.date))}`
+                : ""}
+            </CardDescription>
+          </div>
+          {canWrite ? (
+            <DropdownMenu modal={false}>
+              <DropdownMenuTrigger asChild>
+                <Button size="icon-sm" variant="ghost" aria-label={tr.recurring.actions.more}>
+                  <EllipsisVertical />
+                </Button>
+              </DropdownMenuTrigger>
+              <DropdownMenuContent align="end">
+                <DropdownMenuItem onSelect={() => onAction({ kind: "form", item })}>
+                  <Pencil />
+                  {tr.common.edit}
+                </DropdownMenuItem>
+                <DropdownMenuSeparator />
+                <DropdownMenuItem
+                  variant="destructive"
+                  onSelect={() => onAction({ kind: "delete", item })}
+                >
+                  <Trash2 />
+                  {t.delete}
+                </DropdownMenuItem>
+              </DropdownMenuContent>
+            </DropdownMenu>
+          ) : null}
+        </div>
+      </CardHeader>
+      <CardContent className="flex flex-col gap-3">
+        <div className="grid grid-cols-2 gap-3 sm:grid-cols-4">
+          <Stat
+            label={t.stats.remaining}
+            value={formatAssetQuantity(item.assetKey, p.remainingQuantity)}
+          />
+          <Stat
+            label={t.stats.currentValue}
+            value={
+              p.currentValueMinor !== null ? formatMoney(p.currentValueMinor) : t.stats.noPrice
+            }
+            tone={debt ? "text-expense" : "text-income"}
+          />
+          {item.savingsAccount ? (
+            <>
+              <Stat
+                label={`${t.stats.accumulated} · ${item.savingsAccount.name}`}
+                value={formatMoney(p.accumulatedMinor)}
+                tone="text-income"
+              />
+              <Stat
+                label={t.stats.remainingNeed}
+                value={p.remainingNeedMinor !== null ? formatMoney(p.remainingNeedMinor) : "—"}
+              />
+            </>
+          ) : null}
+        </div>
+        {p.estimatedCloseMonth && open ? (
+          <p className="text-sm">
+            {t.stats.estimatedClose}:{" "}
+            <span className="font-medium capitalize">
+              {monthFmt.format(new Date(`${p.estimatedCloseMonth}-15T12:00:00+03:00`))}
+            </span>
+            {item.monthlyPlanMinor ? (
+              <span className="text-muted-foreground">
+                {" "}
+                · {formatMoney(item.monthlyPlanMinor)}/ay
+              </span>
+            ) : null}
+          </p>
+        ) : null}
+        {item.currentPrice ? (
+          <p className="text-xs text-muted-foreground">
+            {t.stats.currentPrice(
+              debt,
+              formatMoney(debt ? item.currentPrice.sellMinor : item.currentPrice.buyMinor),
+              d(item.currentPrice.date),
+            )}
+          </p>
+        ) : null}
+        {item.note ? <p className="text-sm text-muted-foreground">{item.note}</p> : null}
+        {item.payments.length ? (
+          <div>
+            <p className="mb-1 text-xs font-medium text-muted-foreground">{t.payments}</p>
+            <ul className="divide-y rounded-lg border text-sm">
+              {item.payments.map((x) => (
+                <li key={x.id} className="flex items-center justify-between gap-2 p-2">
+                  <span className="min-w-0 truncate">
+                    {d(x.date)} ·{" "}
+                    {t.paymentLine(
+                      t.methods[x.method],
+                      formatAssetQuantity(item.assetKey, x.quantity),
+                      x.amountMinor ? formatMoney(x.amountMinor) : null,
+                    )}
+                  </span>
+                  {x.account ? (
+                    <span className="shrink-0 text-xs text-muted-foreground">{x.account}</span>
+                  ) : null}
+                </li>
+              ))}
+            </ul>
+          </div>
+        ) : null}
+        {canWrite && open ? (
+          <div className="flex flex-wrap justify-end gap-2">
+            {debt && item.savingsAccount ? (
+              <Button
+                size="sm"
+                variant="outline"
+                onClick={() => onAction({ kind: "contribute", item })}
+              >
+                <PiggyBank />
+                {t.contribute}
+              </Button>
+            ) : null}
+            <Button size="sm" onClick={() => onAction({ kind: "pay", item })}>
+              <HandCoins />
+              {t.pay}
+            </Button>
+          </div>
+        ) : null}
+      </CardContent>
+    </Card>
+  );
+}
+
+function Footer({ busy, formId, onClose }: { busy: boolean; formId: string; onClose: () => void }) {
+  return (
+    <>
+      <Button variant="outline" type="button" onClick={onClose}>
+        {tr.common.cancel}
+      </Button>
+      <Button type="submit" form={formId} disabled={busy}>
+        {tr.common.save}
+      </Button>
+    </>
+  );
+}
+
+function InKindForm({
+  contactId,
+  item,
+  onClose,
+}: {
+  contactId: string;
+  item: InKindView | null;
+  onClose: () => void;
+}) {
+  const accounts = useAccounts();
+  const [v, setV] = useState({
+    direction: item?.direction ?? "debt",
+    assetKey: (item?.assetKey ?? "gram_gold") as AssetKey,
+    quantity: item ? qtyInput(item.quantity) : "",
+    date: item?.date ?? todayIstanbul(),
+    unitPrice: item?.unitPriceMinor ? formatMoneyInput(item.unitPriceMinor) : "",
+    note: item?.note ?? "",
+    savingsAccountId: item?.savingsAccount?.id ?? "",
+    monthlyPlan: item?.monthlyPlanMinor ? formatMoneyInput(item.monthlyPlanMinor) : "",
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+  const set = <K extends keyof typeof v>(k: K, x: (typeof v)[K]) => setV((s) => ({ ...s, [k]: x }));
+  const NONE = "__none__";
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await saveInKindAction(contactId, item?.id ?? null, {
+      ...v,
+      savingsAccountId: v.direction === "debt" ? v.savingsAccountId : "",
+      monthlyPlan: v.direction === "debt" && v.savingsAccountId ? v.monthlyPlan : "",
+    });
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.saved);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  const f = t.fields;
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={item ? t.editTitle : t.createTitle}
+      footer={<Footer busy={busy} formId="in-kind-form" onClose={onClose} />}
+    >
+      <form id="in-kind-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Tabs
+            value={v.direction}
+            onValueChange={(x) => set("direction", x as "debt" | "receivable")}
+          >
+            <TabsList className="w-full">
+              {(["debt", "receivable"] as const).map((x) => (
+                <TabsTrigger
+                  key={x}
+                  value={x}
+                  className="flex-1"
+                  disabled={Boolean(item?.payments.length)}
+                >
+                  {t.directions[x]}
+                </TabsTrigger>
+              ))}
+            </TabsList>
+          </Tabs>
+          <div className="grid grid-cols-[1fr_8rem] gap-3">
+            <Field>
+              <FieldLabel htmlFor="ik-asset">{f.asset}</FieldLabel>
+              <Select
+                value={v.assetKey}
+                onValueChange={(x) => set("assetKey", x as AssetKey)}
+                disabled={Boolean(item?.payments.length)}
+              >
+                <SelectTrigger id="ik-asset" className="w-full">
+                  <SelectValue>{ASSETS[v.assetKey].label}</SelectValue>
+                </SelectTrigger>
+                <SelectContent>
+                  {ASSET_KEYS.map((k) => (
+                    <SelectItem key={k} value={k}>
+                      {ASSETS[k].label}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+            </Field>
+            <Field data-invalid={Boolean(errors.quantity)}>
+              <FieldLabel htmlFor="ik-qty">
+                {f.quantity} ({ASSETS[v.assetKey].unit})
+              </FieldLabel>
+              <Input
+                id="ik-qty"
+                inputMode="decimal"
+                value={v.quantity}
+                onChange={(e) => set("quantity", e.target.value)}
+                className="text-right tabular-nums"
+                aria-invalid={Boolean(errors.quantity)}
+              />
+              {errors.quantity ? <FieldError>{errors.quantity}</FieldError> : null}
+            </Field>
+          </div>
+          <div className="grid grid-cols-2 gap-3">
+            <Field data-invalid={Boolean(errors.date)}>
+              <FieldLabel htmlFor="ik-date">{f.date}</FieldLabel>
+              <Input
+                id="ik-date"
+                type="date"
+                value={v.date}
+                onChange={(e) => set("date", e.target.value)}
+              />
+              {errors.date ? <FieldError>{errors.date}</FieldError> : null}
+            </Field>
+            <Field data-invalid={Boolean(errors.unitPrice)}>
+              <FieldLabel htmlFor="ik-price">{f.unitPrice}</FieldLabel>
+              <MoneyInput id="ik-price" value={v.unitPrice} onChange={(x) => set("unitPrice", x)} />
+              {errors.unitPrice ? <FieldError>{errors.unitPrice}</FieldError> : null}
+            </Field>
+          </div>
+          <FieldDescription className="-mt-2">{f.unitPriceHint}</FieldDescription>
+          {v.direction === "debt" ? (
+            <div className="grid grid-cols-2 gap-3">
+              <Field data-invalid={Boolean(errors.savingsAccountId)}>
+                <FieldLabel htmlFor="ik-savings">{f.savingsAccount}</FieldLabel>
+                <Select
+                  value={v.savingsAccountId || NONE}
+                  onValueChange={(x) => set("savingsAccountId", x === NONE ? "" : x)}
+                >
+                  <SelectTrigger id="ik-savings" className="w-full">
+                    <SelectValue>
+                      {accounts?.find((a) => a.id === v.savingsAccountId)?.name ??
+                        (v.savingsAccountId ? item?.savingsAccount?.name : f.savingsNone)}
+                    </SelectValue>
+                  </SelectTrigger>
+                  <SelectContent>
+                    <SelectItem value={NONE}>{f.savingsNone}</SelectItem>
+                    {(accounts ?? [])
+                      .filter((a) => a.type !== "credit_card")
+                      .map((a) => (
+                        <SelectItem key={a.id} value={a.id}>
+                          {a.name}
+                        </SelectItem>
+                      ))}
+                  </SelectContent>
+                </Select>
+                {errors.savingsAccountId ? (
+                  <FieldError>{errors.savingsAccountId}</FieldError>
+                ) : null}
+              </Field>
+              <Field>
+                <FieldLabel htmlFor="ik-plan">{f.monthlyPlan}</FieldLabel>
+                <MoneyInput
+                  id="ik-plan"
+                  value={v.monthlyPlan}
+                  onChange={(x) => set("monthlyPlan", x)}
+                  disabled={!v.savingsAccountId}
+                />
+              </Field>
+            </div>
+          ) : null}
+          {v.direction === "debt" ? (
+            <FieldDescription className="-mt-2">{f.planHint}</FieldDescription>
+          ) : null}
+          <Field>
+            <FieldLabel htmlFor="ik-note">{f.note}</FieldLabel>
+            <Input id="ik-note" value={v.note} onChange={(e) => set("note", e.target.value)} />
+          </Field>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}
+
+function ContributionForm({ item, onClose }: { item: InKindView; onClose: () => void }) {
+  const accounts = useAccounts();
+  const [v, setV] = useState({
+    fromAccountId: "",
+    amount: item.monthlyPlanMinor ? formatMoneyInput(item.monthlyPlanMinor) : "",
+    date: todayIstanbul(),
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+  const sources = (accounts ?? []).filter((a) => a.id !== item.savingsAccount?.id);
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await addContributionAction(item.id, {
+      ...v,
+      fromAccountId: v.fromAccountId || sources[0]?.id || "",
+    });
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.contributed);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={`${t.contributionTitle} · ${item.label}`}
+      description={`→ ${item.savingsAccount?.name ?? ""}`}
+      footer={<Footer busy={busy} formId="contribution-form" onClose={onClose} />}
+    >
+      <form id="contribution-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Field data-invalid={Boolean(errors.fromAccountId)}>
+            <FieldLabel htmlFor="ct-from">{t.fromAccount}</FieldLabel>
+            <AccountSelect
+              id="ct-from"
+              value={v.fromAccountId || sources[0]?.id || ""}
+              onChange={(x) => setV((s) => ({ ...s, fromAccountId: x }))}
+              accounts={sources}
+            />
+            {errors.fromAccountId ? <FieldError>{errors.fromAccountId}</FieldError> : null}
+          </Field>
+          <div className="grid grid-cols-2 gap-3">
+            <Field data-invalid={Boolean(errors.amount)}>
+              <FieldLabel htmlFor="ct-amount">{tr.transactions.fields.amount}</FieldLabel>
+              <MoneyInput
+                id="ct-amount"
+                value={v.amount}
+                onChange={(x) => setV((s) => ({ ...s, amount: x }))}
+              />
+              {errors.amount ? <FieldError>{errors.amount}</FieldError> : null}
+            </Field>
+            <Field>
+              <FieldLabel htmlFor="ct-date">{tr.transactions.fields.date}</FieldLabel>
+              <Input
+                id="ct-date"
+                type="date"
+                value={v.date}
+                onChange={(e) => setV((s) => ({ ...s, date: e.target.value }))}
+              />
+            </Field>
+          </div>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}
+
+function PaymentForm({ item, onClose }: { item: InKindView; onClose: () => void }) {
+  const accounts = useAccounts();
+  const debt = item.direction === "debt";
+  const [method, setMethod] = useState<"asset" | "cash">("cash");
+  const [v, setV] = useState({
+    date: todayIstanbul(),
+    quantity: qtyInput(item.progress.remainingQuantity),
+    amount: "",
+    accountId: item.savingsAccount?.id ?? "",
+    note: "",
+  });
+  const [errors, setErrors] = useState<Errors>({});
+  const [busy, setBusy] = useState(false);
+  const assets = useAssetOptions(item.assetKey);
+  const [link, setLink] = useState(false);
+  const [assetId, setAssetId] = useState("");
+  const linked = method === "asset" && link;
+  const linkAssetId = assetId || assets?.[0]?.id || "";
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const amount = linked ? "" : v.amount;
+    const r = await recordPaymentAction(item.id, {
+      method,
+      date: v.date,
+      quantity: method === "cash" ? "" : v.quantity,
+      amount,
+      accountId: amount ? v.accountId || accounts?.[0]?.id || "" : "",
+      assetId: linked ? linkAssetId : "",
+      note: v.note,
+    });
+    setBusy(false);
+    if (r.ok) {
+      toast.success((r.data as { closed: boolean }).closed ? t.toast.closed : t.toast.paid);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  const f = t.payFields;
+  const hints = debt ? t.methodHints : t.receiveHints;
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={`${t.payTitle} · ${item.label}`}
+      description={`${t.stats.remaining}: ${formatAssetQuantity(item.assetKey, item.progress.remainingQuantity)}`}
+      footer={<Footer busy={busy} formId="payment-form" onClose={onClose} />}
+    >
+      <form id="payment-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <Tabs value={method} onValueChange={(x) => setMethod(x as "asset" | "cash")}>
+            <TabsList className="w-full">
+              {(["cash", "asset"] as const).map((m) => (
+                <TabsTrigger key={m} value={m} className="flex-1">
+                  {t.methods[m]}
+                </TabsTrigger>
+              ))}
+            </TabsList>
+          </Tabs>
+          <p className="-mt-2 text-xs text-muted-foreground">{hints[method]}</p>
+          <div className="grid grid-cols-2 gap-3">
+            {method === "asset" ? (
+              <Field data-invalid={Boolean(errors.quantity)}>
+                <FieldLabel htmlFor="pay-qty">
+                  {f.quantity} ({ASSETS[item.assetKey].unit})
+                </FieldLabel>
+                <Input
+                  id="pay-qty"
+                  inputMode="decimal"
+                  value={v.quantity}
+                  onChange={(e) => setV((s) => ({ ...s, quantity: e.target.value }))}
+                  className="text-right tabular-nums"
+                />
+                {errors.quantity ? <FieldError>{errors.quantity}</FieldError> : null}
+              </Field>
+            ) : null}
+            {linked || (method === "asset" && !debt) ? null : (
+              <Field data-invalid={Boolean(errors.amount)}>
+                <FieldLabel htmlFor="pay-amount">
+                  {method === "cash" ? f.amount : f.assetAmount}
+                </FieldLabel>
+                <MoneyInput
+                  id="pay-amount"
+                  value={v.amount}
+                  onChange={(x) => setV((s) => ({ ...s, amount: x }))}
+                />
+                {errors.amount ? <FieldError>{errors.amount}</FieldError> : null}
+              </Field>
+            )}
+            <Field>
+              <FieldLabel htmlFor="pay-date">{tr.transactions.fields.date}</FieldLabel>
+              <Input
+                id="pay-date"
+                type="date"
+                value={v.date}
+                max={todayIstanbul()}
+                onChange={(e) => setV((s) => ({ ...s, date: e.target.value }))}
+              />
+            </Field>
+          </div>
+          {method === "cash" ? (
+            <FieldDescription className="-mt-2">{f.quantityHint}</FieldDescription>
+          ) : null}
+          {method === "asset" ? (
+            <div className="flex flex-col gap-2 rounded-lg border p-3">
+              <label className="flex items-start gap-2 text-sm">
+                <Checkbox
+                  checked={link}
+                  onCheckedChange={(x) => setLink(x === true)}
+                  disabled={!assets?.length}
+                  className="mt-0.5"
+                />
+                <span>
+                  {debt ? t.link.debt : t.link.receivable}
+                  <span className="block text-xs text-muted-foreground">
+                    {assets && !assets.length
+                      ? t.link.none
+                      : debt
+                        ? t.link.debtHint
+                        : t.link.receivableHint}
+                  </span>
+                </span>
+              </label>
+              {link && assets?.length ? (
+                <Field data-invalid={Boolean(errors.assetId)}>
+                  <FieldLabel htmlFor="pay-asset" className="sr-only">
+                    {t.link.asset}
+                  </FieldLabel>
+                  <Select value={linkAssetId} onValueChange={setAssetId}>
+                    <SelectTrigger id="pay-asset" className="w-full">
+                      <SelectValue>{assets.find((a) => a.id === linkAssetId)?.name}</SelectValue>
+                    </SelectTrigger>
+                    <SelectContent>
+                      {assets.map((a) => (
+                        <SelectItem key={a.id} value={a.id}>
+                          {a.name} · {formatAssetQuantity(item.assetKey, a.quantity)}
+                        </SelectItem>
+                      ))}
+                    </SelectContent>
+                  </Select>
+                  {errors.assetId ? <FieldError>{errors.assetId}</FieldError> : null}
+                </Field>
+              ) : null}
+            </div>
+          ) : null}
+          {(method === "cash" || v.amount) && !linked ? (
+            <Field data-invalid={Boolean(errors.accountId)}>
+              <FieldLabel htmlFor="pay-account">{f.account}</FieldLabel>
+              <AccountSelect
+                id="pay-account"
+                value={v.accountId || accounts?.[0]?.id || ""}
+                onChange={(x) => setV((s) => ({ ...s, accountId: x }))}
+                accounts={accounts ?? []}
+                invalid={Boolean(errors.accountId)}
+              />
+              {errors.accountId ? <FieldError>{errors.accountId}</FieldError> : null}
+            </Field>
+          ) : null}
+          <Field>
+            <FieldLabel htmlFor="pay-note">{t.fields.note}</FieldLabel>
+            <Input
+              id="pay-note"
+              value={v.note}
+              onChange={(e) => setV((s) => ({ ...s, note: e.target.value }))}
+            />
+          </Field>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}

src/features/in-kind/components/prices-view.tsx

@@ -0,0 +1,235 @@
+"use client";
+
+import { ChevronDown, Plus } from "lucide-react";
+import { Fragment, useState } from "react";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import { Button } from "@/components/ui/button";
+import { Field, FieldDescription, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { ASSET_KEYS, ASSETS, type AssetKey } from "@/shared/assets";
+import { todayIstanbul } from "@/shared/dates";
+import { formatDate, formatMoney } from "@/shared/format";
+import { formatMoneyInput } from "@/shared/money";
+import { savePriceAction } from "../actions";
+import type { PriceRow } from "../service";
+
+const t = tr.prices;
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+
+export function PricesView({ rows, canWrite }: { rows: PriceRow[]; canWrite: boolean }) {
+  const [editing, setEditing] = useState<AssetKey | null>(null);
+  const [openRow, setOpenRow] = useState<AssetKey | null>(null);
+
+  return (
+    <div className="flex flex-col gap-4">
+      {canWrite ? (
+        <div className="flex justify-end">
+          <Button onClick={() => setEditing("gram_gold")}>
+            <Plus />
+            {t.add}
+          </Button>
+        </div>
+      ) : null}
+      <div className="overflow-x-auto rounded-xl border bg-card">
+        <table className="w-full text-sm">
+          <thead className="text-xs text-muted-foreground">
+            <tr className="border-b">
+              <th className="p-3 text-left font-normal">{t.asset}</th>
+              <th className="p-3 text-right font-normal">{t.buy}</th>
+              <th className="p-3 text-right font-normal">{t.sell}</th>
+              <th className="p-3 text-right font-normal">{t.date}</th>
+              <th className="w-10" />
+            </tr>
+          </thead>
+          <tbody className="divide-y tabular-nums">
+            {rows.map((r) => (
+              <Fragment key={r.assetKey}>
+                <tr>
+                  <td className="p-3">
+                    <button
+                      type="button"
+                      className="flex items-center gap-1 text-left font-medium disabled:cursor-default"
+                      onClick={() => setOpenRow(openRow === r.assetKey ? null : r.assetKey)}
+                      disabled={r.history.length < 2}
+                      aria-expanded={openRow === r.assetKey}
+                    >
+                      {r.history.length > 1 ? (
+                        <ChevronDown
+                          className={cn(
+                            "size-4 transition-transform",
+                            openRow === r.assetKey && "rotate-180",
+                          )}
+                        />
+                      ) : null}
+                      {ASSETS[r.assetKey].label}
+                      <span className="text-xs font-normal text-muted-foreground">
+                        {t.perUnit(ASSETS[r.assetKey].unit)}
+                      </span>
+                    </button>
+                  </td>
+                  <td className="p-3 text-right">
+                    {r.latest ? formatMoney(r.latest.buyMinor) : "—"}
+                  </td>
+                  <td className="p-3 text-right">
+                    {r.latest ? formatMoney(r.latest.sellMinor) : "—"}
+                  </td>
+                  <td className="p-3 text-right text-muted-foreground">
+                    {r.latest ? d(r.latest.date) : t.noPrice}
+                  </td>
+                  <td className="p-1 text-right">
+                    {canWrite ? (
+                      <Button
+                        size="icon-sm"
+                        variant="ghost"
+                        onClick={() => setEditing(r.assetKey)}
+                        aria-label={`${t.add}: ${ASSETS[r.assetKey].label}`}
+                      >
+                        <Plus />
+                      </Button>
+                    ) : null}
+                  </td>
+                </tr>
+                {openRow === r.assetKey
+                  ? r.history.slice(1).map((h) => (
+                      <tr key={h.date} className="bg-muted/30 text-muted-foreground">
+                        <td className="p-2 pl-9 text-xs">{t.history}</td>
+                        <td className="p-2 text-right">{formatMoney(h.buyMinor)}</td>
+                        <td className="p-2 text-right">{formatMoney(h.sellMinor)}</td>
+                        <td className="p-2 text-right">{d(h.date)}</td>
+                        <td />
+                      </tr>
+                    ))
+                  : null}
+              </Fragment>
+            ))}
+          </tbody>
+        </table>
+      </div>
+      {editing ? (
+        <PriceForm
+          key={editing}
+          assetKey={editing}
+          latest={rows.find((r) => r.assetKey === editing)?.latest ?? null}
+          onClose={() => setEditing(null)}
+        />
+      ) : null}
+    </div>
+  );
+}
+
+function PriceForm({
+  assetKey: initial,
+  latest,
+  onClose,
+}: {
+  assetKey: AssetKey;
+  latest: PriceRow["latest"];
+  onClose: () => void;
+}) {
+  const [v, setV] = useState({
+    assetKey: initial,
+    date: todayIstanbul(),
+    buy: latest ? formatMoneyInput(latest.buyMinor) : "",
+    sell: latest ? formatMoneyInput(latest.sellMinor) : "",
+  });
+  const [errors, setErrors] = useState<Record<string, string | undefined>>({});
+  const [busy, setBusy] = useState(false);
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await savePriceAction(v);
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.saved);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={t.add}
+      footer={
+        <>
+          <Button variant="outline" type="button" onClick={onClose}>
+            {tr.common.cancel}
+          </Button>
+          <Button type="submit" form="price-form" disabled={busy}>
+            {tr.common.save}
+          </Button>
+        </>
+      }
+    >
+      <form id="price-form" onSubmit={submit} noValidate>
+        <FieldGroup>
+          <div className="grid grid-cols-[1fr_auto] gap-3">
+            <Field>
+              <FieldLabel htmlFor="pr-asset">{t.asset}</FieldLabel>
+              <Select
+                value={v.assetKey}
+                onValueChange={(x) => setV((s) => ({ ...s, assetKey: x as AssetKey }))}
+              >
+                <SelectTrigger id="pr-asset" className="w-full">
+                  <SelectValue>{ASSETS[v.assetKey].label}</SelectValue>
+                </SelectTrigger>
+                <SelectContent>
+                  {ASSET_KEYS.map((k) => (
+                    <SelectItem key={k} value={k}>
+                      {ASSETS[k].label}
+                    </SelectItem>
+                  ))}
+                </SelectContent>
+              </Select>
+            </Field>
+            <Field data-invalid={Boolean(errors.date)}>
+              <FieldLabel htmlFor="pr-date">{t.date}</FieldLabel>
+              <Input
+                id="pr-date"
+                type="date"
+                value={v.date}
+                max={todayIstanbul()}
+                onChange={(e) => setV((s) => ({ ...s, date: e.target.value }))}
+              />
+              {errors.date ? <FieldError>{errors.date}</FieldError> : null}
+            </Field>
+          </div>
+          <div className="grid grid-cols-2 gap-3">
+            <Field data-invalid={Boolean(errors.buy)}>
+              <FieldLabel htmlFor="pr-buy">{t.buy}</FieldLabel>
+              <MoneyInput
+                id="pr-buy"
+                value={v.buy}
+                onChange={(x) => setV((s) => ({ ...s, buy: x }))}
+                autoFocus
+              />
+              {errors.buy ? <FieldError>{errors.buy}</FieldError> : null}
+            </Field>
+            <Field>
+              <FieldLabel htmlFor="pr-sell">{t.sell}</FieldLabel>
+              <MoneyInput
+                id="pr-sell"
+                value={v.sell}
+                onChange={(x) => setV((s) => ({ ...s, sell: x }))}
+              />
+            </Field>
+          </div>
+          <FieldDescription className="-mt-2">{t.sellHint}</FieldDescription>
+          {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+        </FieldGroup>
+      </form>
+    </ResponsiveDialog>
+  );
+}

src/features/in-kind/prices.ts

@@ -0,0 +1,60 @@
+import "server-only";
+import type { Types } from "mongoose";
+import { AssetPriceModel } from "@/models/asset-price";
+import type { AssetKey } from "@/shared/assets";
+
+/** Fiyat tablosu okuma yardımcıları (aynî kayıtlar ve varlık takibi ortak kullanır). */
+
+export type PriceQuote = { buyMinor: number; sellMinor: number; date: string };
+
+/** Varlığın verilen tarihteki (veya öncesindeki en yakın) fiyatı. */
+export async function priceOn(
+  householdId: Types.ObjectId,
+  assetKey: AssetKey,
+  date: string,
+): Promise<PriceQuote | null> {
+  const p = await AssetPriceModel.findOne({ householdId, assetKey, date: { $lte: date } })
+    .sort({ date: -1 })
+    .lean();
+  return p ? { buyMinor: p.buyMinor, sellMinor: p.sellMinor, date: p.date } : null;
+}
+
+/**
+ * Varlıkların `to` tarihine kadarki tüm fiyatları; dönen fonksiyon bir tarihteki (veya
+ * öncesindeki en yakın) alış fiyatını verir (yoksa null).
+ */
+export async function buyPriceLookup(
+  householdId: Types.ObjectId,
+  assetKeys: AssetKey[],
+  to: string,
+): Promise<(assetKey: AssetKey, date: string) => number | null> {
+  const rows = await AssetPriceModel.find({
+    householdId,
+    assetKey: { $in: assetKeys },
+    date: { $lte: to },
+  })
+    .sort({ date: 1 })
+    .lean();
+  const by = new Map<string, { date: string; buyMinor: number }[]>();
+  for (const r of rows) {
+    const list = by.get(r.assetKey) ?? [];
+    list.push({ date: r.date, buyMinor: r.buyMinor });
+    by.set(r.assetKey, list);
+  }
+  return (assetKey, date) => {
+    const list = by.get(assetKey);
+    if (!list) return null;
+    // İkili arama: date'ten küçük-eşit son kayıt.
+    let lo = 0;
+    let hi = list.length - 1;
+    let found = -1;
+    while (lo <= hi) {
+      const mid = (lo + hi) >> 1;
+      if (list[mid]!.date <= date) {
+        found = mid;
+        lo = mid + 1;
+      } else hi = mid - 1;
+    }
+    return found === -1 ? null : list[found]!.buyMinor;
+  };
+}

src/features/in-kind/service.int.test.ts

@@ -0,0 +1,270 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { listAccounts } from "@/features/accounts/service";
+import { createContact, listContacts } from "@/features/contacts/service";
+import { listTransactions, setTransactionDeleted } from "@/features/transactions/service";
+import { AccountModel } from "@/models/account";
+import { AssetPriceModel } from "@/models/asset-price";
+import { AuditLogModel } from "@/models/audit-log";
+import { InKindDebtModel } from "@/models/in-kind-debt";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays, addMonths } from "@/shared/recurrence";
+import { contactFormSchema } from "@/shared/schemas/contact";
+import {
+  assetPriceFormSchema,
+  contributionSchema,
+  inKindFormSchema,
+  paymentFormSchema,
+} from "@/shared/schemas/in-kind";
+import { transactionFilterSchema } from "@/shared/schemas/transaction";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import {
+  addContribution,
+  createInKind,
+  listInKind,
+  listPrices,
+  recordPayment,
+  savePrice,
+} from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let emre = "";
+let zeynep = "";
+const today = todayIstanbul();
+const monthAgo = addDays(today, -30);
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  zeynep = ids.user("zeynep");
+  // Seed örnek fiyatları bu testin fiyat senaryolarını etkilemesin.
+  await AssetPriceModel.deleteMany({});
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+async function balance(accountId: string) {
+  return (await listAccounts(ayse, cakir))!.accounts.find((a) => a.id === accountId)!.balanceMinor!;
+}
+const price = (assetKey: string, date: string, buy: string, sell = "") =>
+  assetPriceFormSchema.parse({ assetKey, date, buy, sell });
+async function contact(name: string, isPrivate = false) {
+  const r = await createContact(
+    ayse,
+    cakir,
+    contactFormSchema.parse({ name, openingDate: monthAgo, isPrivate }),
+  );
+  return r.ok ? r.data.id : "";
+}
+async function view(id: string) {
+  return (await listInKind(ayse, cakir))!.find((v) => v.id === id)!;
+}
+
+describe("fiyat tablosu", () => {
+  it("elle fiyat; tek fiyat ikisine yazılır; gelecek tarih reddedilir; izleyici yazamaz", async () => {
+    expect((await savePrice(ayse, cakir, price("gram_gold", today, "3.200", "3.300"))).ok).toBe(
+      true,
+    );
+    expect((await savePrice(ayse, cakir, price("usd", today, "41,50"))).ok).toBe(true);
+    expect((await savePrice(ayse, cakir, price("usd", addDays(today, 1), "1"))).ok).toBe(false);
+    expect((await savePrice(zeynep, cakir, price("usd", today, "1"))).ok).toBe(false);
+    const rows = (await listPrices(ayse, cakir))!.rows;
+    expect(rows.find((r) => r.assetKey === "usd")!.latest).toMatchObject({
+      buyMinor: 41_50,
+      sellMinor: 41_50,
+    });
+    // Aynı gün yeniden giriş günceller.
+    await savePrice(ayse, cakir, price("usd", today, "42"));
+    expect(
+      (await listPrices(ayse, cakir))!.rows.find((r) => r.assetKey === "usd")!.history,
+    ).toHaveLength(1);
+  });
+});
+
+describe("aynî borç", () => {
+  let gold = "";
+  let ahmet = "";
+
+  it("borç tarihindeki fiyat tablodan; yoksa birim fiyat istenir; değer satış fiyatıyla", async () => {
+    ahmet = await contact("Altın Ahmet");
+    const input = inKindFormSchema.parse({
+      direction: "debt",
+      assetKey: "gram_gold",
+      quantity: "5",
+      date: monthAgo,
+      savingsAccountId: await acc("Birikim (Vadeli)"),
+      monthlyPlan: "2.000",
+    });
+    expect((await createInKind(ayse, cakir, ahmet, input)).ok).toBe(false);
+    await savePrice(ayse, cakir, price("gram_gold", monthAgo, "2.900", "3.000"));
+    const r = await createInKind(ayse, cakir, ahmet, input);
+    expect(r.ok).toBe(true);
+    gold = r.ok ? r.data.id : "";
+    const v = await view(gold);
+    expect(v).toMatchObject({
+      unitPriceMinor: 3_000_00,
+      valueMinor: 15_000_00,
+      label: "5 gr Gram altın (24 ayar)",
+    });
+    // Güncel: 5 × 3.300 (satış) = 16.500; birikim 0; ayda 2.000 → 9 ay.
+    expect(v.progress).toMatchObject({
+      currentValueMinor: 16_500_00,
+      accumulatedMinor: 0,
+      remainingNeedMinor: 16_500_00,
+      estimatedCloseMonth: addMonths(`${today.slice(0, 7)}-01`, 9).slice(0, 7),
+    });
+  });
+
+  it("birikim katkısı: hesaptan birikim hesabına transfer; borç kapanmaz; cari TL bakiyesi ve gelir/gider değişmez", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const birikim = await acc("Birikim (Vadeli)");
+    const [z0, b0] = [await balance(ziraat), await balance(birikim)];
+    const sums0 = (await listTransactions(ayse, cakir, transactionFilterSchema.parse({})))!.sums;
+    const r = await addContribution(
+      ayse,
+      cakir,
+      gold,
+      contributionSchema.parse({ fromAccountId: ziraat, amount: "6.000", date: today }),
+    );
+    expect(r.ok).toBe(true);
+    expect(await balance(ziraat)).toBe(z0 - 6_000_00);
+    expect(await balance(birikim)).toBe(b0 + 6_000_00);
+    const v = await view(gold);
+    expect(v.progress.accumulatedMinor).toBe(6_000_00);
+    expect(v.progress.remainingNeedMinor).toBe(10_500_00);
+    expect(v.closedAt).toBeNull();
+    expect(
+      (await listContacts(ayse, cakir))!.contacts.find((c) => c.id === ahmet)!.balanceMinor,
+    ).toBe(0);
+    expect((await listTransactions(ayse, cakir, transactionFilterSchema.parse({})))!.sums).toEqual(
+      sums0,
+    );
+  });
+
+  it("TL karşılığıyla kısmi ödeme: miktar güncel fiyattan; birikim hesabından çıkış", async () => {
+    const birikim = await acc("Birikim (Vadeli)");
+    const b0 = await balance(birikim);
+    const r = await recordPayment(
+      ayse,
+      cakir,
+      gold,
+      paymentFormSchema.parse({ method: "cash", date: today, amount: "6.600", accountId: birikim }),
+    );
+    expect(r).toMatchObject({ ok: true, data: { closed: false } });
+    const v = await view(gold);
+    expect(v.paidQuantity).toBe(2_000);
+    expect(v.progress.remainingQuantity).toBe(3_000);
+    expect(v.progress.accumulatedMinor).toBe(0);
+    expect(await balance(birikim)).toBe(b0 - 6_600_00);
+    // Ödeme işlemi tek başına silinemez.
+    const doc = (await InKindDebtModel.findById(gold).lean())!;
+    expect(
+      (await setTransactionDeleted(ayse, cakir, String(doc.payments[0]!.transactionId), true)).ok,
+    ).toBe(false);
+  });
+
+  it("aynı varlıkla ödeme kalanı aşarsa kalana sınırlanır ve kayıt kapanır", async () => {
+    const r = await recordPayment(
+      ayse,
+      cakir,
+      gold,
+      paymentFormSchema.parse({ method: "asset", date: today, quantity: "5" }),
+    );
+    expect(r).toMatchObject({ ok: true, data: { closed: true } });
+    const v = await view(gold);
+    expect(v.paidQuantity).toBe(5_000);
+    expect(v.closedAt).toBe(today);
+    expect(await AuditLogModel.exists({ action: "inkind.close", targetId: gold })).toBeTruthy();
+    expect(
+      (
+        await recordPayment(
+          ayse,
+          cakir,
+          gold,
+          paymentFormSchema.parse({ method: "asset", date: today, quantity: "1" }),
+        )
+      ).ok,
+    ).toBe(false);
+  });
+
+  it("aynî alacak: alış fiyatıyla değerlenir, tahsilat hesaba girer; birikim planı alınmaz", async () => {
+    const elif = await contact("Döviz Elif");
+    const cuzdan = await acc("Cüzdan");
+    expect(
+      (
+        await createInKind(
+          ayse,
+          cakir,
+          elif,
+          inKindFormSchema.parse({
+            direction: "receivable",
+            assetKey: "usd",
+            quantity: "100",
+            date: today,
+            savingsAccountId: await acc("Birikim (Vadeli)"),
+          }),
+        )
+      ).ok,
+    ).toBe(false);
+    const r = await createInKind(
+      ayse,
+      cakir,
+      elif,
+      inKindFormSchema.parse({
+        direction: "receivable",
+        assetKey: "usd",
+        quantity: "100",
+        date: today,
+      }),
+    );
+    const id = r.ok ? r.data.id : "";
+    expect((await view(id)).progress.currentValueMinor).toBe(4_200_00);
+    const c0 = await balance(cuzdan);
+    await recordPayment(
+      ayse,
+      cakir,
+      id,
+      paymentFormSchema.parse({ method: "cash", date: today, amount: "2.100", accountId: cuzdan }),
+    );
+    expect(await balance(cuzdan)).toBe(c0 + 2_100_00);
+    expect((await view(id)).paidQuantity).toBe(50_000);
+  });
+
+  it("gizli cari: aynî kayıt başkasına görünmez ve eklenemez", async () => {
+    const secret = await contact("Gizli Altın", true);
+    await createInKind(
+      ayse,
+      cakir,
+      secret,
+      inKindFormSchema.parse({
+        direction: "debt",
+        assetKey: "gram_gold",
+        quantity: "1",
+        date: today,
+      }),
+    );
+    expect((await listInKind(emre, cakir))!.some((v) => v.contactId === secret)).toBe(false);
+    expect(await listInKind(emre, cakir, secret)).toBeNull();
+    expect(
+      (
+        await createInKind(
+          emre,
+          cakir,
+          secret,
+          inKindFormSchema.parse({
+            direction: "debt",
+            assetKey: "gram_gold",
+            quantity: "1",
+            date: today,
+          }),
+        )
+      ).ok,
+    ).toBe(false);
+  });
+});

src/features/in-kind/service.ts

@@ -0,0 +1,617 @@
+import "server-only";
+import mongoose, { Types } from "mongoose";
+import { hasHouseholdRole } from "@/features/households/roles";
+import { loadContext, type Ctx } from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { writeAudit } from "@/lib/audit";
+import { toObjectId } from "@/lib/object-id";
+import { AssetPriceModel } from "@/models/asset-price";
+import { InKindDebtModel } from "@/models/in-kind-debt";
+import { TransactionModel } from "@/models/transaction";
+import { addMovement } from "@/features/assets/service";
+import { AssetMovementModel } from "@/models/asset-movement";
+import { priceOn, type PriceQuote } from "./prices";
+import {
+  ASSET_KEYS,
+  formatAssetQuantity,
+  inKindProgress,
+  quantityForAmount,
+  valuationPrice,
+  valueOf,
+  type AssetKey,
+  type InKindDirection,
+  type InKindProgress,
+} from "@/shared/assets";
+import { istanbulDayStart, todayIstanbul } from "@/shared/dates";
+import type {
+  AssetPriceForm,
+  ContributionForm,
+  InKindForm,
+  PaymentForm,
+} from "@/shared/schemas/in-kind";
+import { foldTr } from "@/shared/search";
+
+/**
+ * Aynî borç/alacak ve fiyat tablosu (Bölüm 6.5–6.6). Okuma: viewer; yazma: member.
+ * Görünürlük cariye bağlıdır ("yalnızca ben" cari → kayıt da gizli).
+ */
+
+const t = tr.inKind;
+
+// --- Fiyat tablosu ---
+
+export { priceOn, type PriceQuote } from "./prices";
+
+export type PriceRow = { assetKey: AssetKey; latest: PriceQuote | null; history: PriceQuote[] };
+
+export async function listPrices(
+  userId: string,
+  householdId: string,
+): Promise<{ rows: PriceRow[]; canWrite: boolean } | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const all = await AssetPriceModel.find({ householdId: ctx.m.householdId })
+    .sort({ date: -1 })
+    .limit(1000)
+    .lean();
+  const rows = ASSET_KEYS.map((assetKey): PriceRow => {
+    const history = all
+      .filter((p) => p.assetKey === assetKey)
+      .slice(0, 10)
+      .map((p) => ({ buyMinor: p.buyMinor, sellMinor: p.sellMinor, date: p.date }));
+    return { assetKey, latest: history[0] ?? null, history };
+  });
+  return { rows, canWrite: hasHouseholdRole(ctx.m.role, "member") };
+}
+
+export async function savePrice(
+  actorId: string,
+  householdId: string,
+  input: AssetPriceForm,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  if (input.date > todayIstanbul()) return fail(tr.validation.date, { date: tr.validation.date });
+  await AssetPriceModel.updateOne(
+    { householdId: ctx.m.householdId, assetKey: input.assetKey, date: input.date },
+    {
+      $set: { buyMinor: input.buyMinor, sellMinor: input.sellMinor, source: "manual" },
+      $setOnInsert: { createdBy: new Types.ObjectId(actorId) },
+    },
+    { upsert: true },
+  );
+  return ok(undefined);
+}
+
+// --- Aynî kayıtlar ---
+
+type PaymentDoc = {
+  _id: Types.ObjectId;
+  date: string;
+  method: "asset" | "cash";
+  quantity: number;
+  amountMinor: number;
+  accountId?: Types.ObjectId | null;
+  transactionId?: Types.ObjectId | null;
+  note: string;
+};
+
+type DebtDoc = {
+  _id: Types.ObjectId;
+  householdId: Types.ObjectId;
+  contactId: Types.ObjectId;
+  direction: InKindDirection;
+  assetKey: AssetKey;
+  quantity: number;
+  date: string;
+  unitPriceMinor?: number | null;
+  valueMinor?: number | null;
+  note: string;
+  savingsAccountId?: Types.ObjectId | null;
+  monthlyPlanMinor?: number | null;
+  payments: PaymentDoc[];
+  closedAt?: string | null;
+};
+
+export type InKindView = {
+  id: string;
+  contactId: string;
+  contactName: string;
+  direction: InKindDirection;
+  assetKey: AssetKey;
+  label: string;
+  quantity: number;
+  paidQuantity: number;
+  date: string;
+  unitPriceMinor: number | null;
+  valueMinor: number | null;
+  note: string;
+  savingsAccount: { id: string; name: string } | null;
+  monthlyPlanMinor: number | null;
+  closedAt: string | null;
+  currentPrice: PriceQuote | null;
+  progress: InKindProgress;
+  payments: {
+    id: string;
+    date: string;
+    method: "asset" | "cash";
+    quantity: number;
+    amountMinor: number;
+    account: string | null;
+    note: string;
+  }[];
+};
+
+function contactVisible(ctx: Ctx, contactId: Types.ObjectId | string) {
+  const c = ctx.contactMap.get(String(contactId));
+  return c && !c.hidden ? c : null;
+}
+
+/** Birikim: borca bağlı katkılar (birikim hesabına giren) − birikim hesabından yapılan ödemeler. */
+async function savingsFlows(debtIds: Types.ObjectId[]) {
+  const rows = await TransactionModel.aggregate<{
+    _id: { debt: Types.ObjectId; role: string };
+    sum: number;
+  }>([
+    {
+      $match: {
+        inKindDebtId: { $in: debtIds },
+        status: "posted",
+        deletedAt: null,
+      },
+    },
+    {
+      $group: {
+        _id: { debt: "$inKindDebtId", role: "$inKindRole" },
+        sum: { $sum: "$amountMinor" },
+      },
+    },
+  ]);
+  const map = new Map<string, { contributed: number }>();
+  for (const r of rows) {
+    if (r._id.role !== "contribution") continue;
+    map.set(String(r._id.debt), { contributed: r.sum });
+  }
+  return map;
+}
+
+async function toViews(ctx: Ctx, docs: DebtDoc[]): Promise<InKindView[]> {
+  const today = todayIstanbul();
+  const flows = await savingsFlows(docs.map((d) => d._id));
+  const priceCache = new Map<string, PriceQuote | null>();
+  const views: InKindView[] = [];
+  for (const d of docs) {
+    if (!priceCache.has(d.assetKey))
+      priceCache.set(d.assetKey, await priceOn(ctx.m.householdId, d.assetKey, today));
+    const price = priceCache.get(d.assetKey)!;
+    const paidQuantity = d.payments.reduce((a, p) => a + p.quantity, 0);
+    const savingsId = d.savingsAccountId ? String(d.savingsAccountId) : null;
+    // Birikim hesabından yapılan ödemeler birikimden düşer.
+    const spentMinor = d.payments
+      .filter((p) => savingsId && String(p.accountId) === savingsId)
+      .reduce((a, p) => a + p.amountMinor, 0);
+    const savings = savingsId ? ctx.accountMap.get(savingsId) : undefined;
+    views.push({
+      id: String(d._id),
+      contactId: String(d.contactId),
+      contactName: ctx.contactMap.get(String(d.contactId))?.name ?? "—",
+      direction: d.direction,
+      assetKey: d.assetKey,
+      label: formatAssetQuantity(d.assetKey, d.quantity),
+      quantity: d.quantity,
+      paidQuantity,
+      date: d.date,
+      unitPriceMinor: d.unitPriceMinor ?? null,
+      valueMinor: d.valueMinor ?? null,
+      note: d.note,
+      savingsAccount: savings && !savings.hidden ? { id: savingsId!, name: savings.name } : null,
+      monthlyPlanMinor: d.monthlyPlanMinor ?? null,
+      closedAt: d.closedAt ?? null,
+      currentPrice: price,
+      progress: inKindProgress({
+        quantity: d.quantity,
+        paidQuantity,
+        unitPriceMinor: valuationPrice(d.direction, price),
+        contributedMinor: flows.get(String(d._id))?.contributed ?? 0,
+        spentMinor,
+        monthlyPlanMinor: d.direction === "debt" ? (d.monthlyPlanMinor ?? null) : null,
+        today,
+      }),
+      payments: d.payments.map((p) => {
+        const a = p.accountId ? ctx.accountMap.get(String(p.accountId)) : undefined;
+        return {
+          id: String(p._id),
+          date: p.date,
+          method: p.method,
+          quantity: p.quantity,
+          amountMinor: p.amountMinor,
+          account: a ? (a.hidden ? tr.transactions.list.hiddenAccount : a.name) : null,
+          note: p.note,
+        };
+      }),
+    });
+  }
+  return views;
+}
+
+/** Bir carinin (veya tüm görünür carilerin) aynî kayıtları; açıklar önce. */
+export async function listInKind(
+  userId: string,
+  householdId: string,
+  contactId?: string,
+): Promise<InKindView[] | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const filter: Record<string, unknown> = { householdId: ctx.m.householdId, deletedAt: null };
+  if (contactId) {
+    const id = toObjectId(contactId);
+    if (!id || !contactVisible(ctx, id)) return null;
+    filter.contactId = id;
+  } else {
+    filter.contactId = { $nin: ctx.hiddenContactIds };
+  }
+  const docs = await InKindDebtModel.find(filter).sort({ closedAt: 1, date: -1 }).lean<DebtDoc[]>();
+  return toViews(
+    ctx,
+    docs.filter((d) => contactVisible(ctx, d.contactId)),
+  );
+}
+
+async function loadDebt(ctx: Ctx, debtId: string) {
+  const id = toObjectId(debtId);
+  if (!id) return null;
+  const d = await InKindDebtModel.findOne({
+    _id: id,
+    householdId: ctx.m.householdId,
+    deletedAt: null,
+  }).lean<DebtDoc>();
+  return d && contactVisible(ctx, d.contactId) ? d : null;
+}
+
+function checkAccount(ctx: Ctx, id: string | null) {
+  if (!id) return null;
+  const a = ctx.accountMap.get(id);
+  return a && !a.hidden && !a.archived ? a : null;
+}
+
+async function debtFields(ctx: Ctx, input: InKindForm) {
+  let unitPriceMinor = input.unitPrice;
+  if (unitPriceMinor === null) {
+    const p = await priceOn(ctx.m.householdId, input.assetKey, input.date);
+    unitPriceMinor = valuationPrice(input.direction, p);
+  }
+  if (unitPriceMinor === null) return fail(t.errors.noPrice, { unitPrice: t.errors.noPrice });
+  if (input.savingsAccountId && input.direction !== "debt")
+    return fail(t.errors.receivablePlan, { savingsAccountId: t.errors.receivablePlan });
+  const savings = input.savingsAccountId ? checkAccount(ctx, input.savingsAccountId) : null;
+  if (input.savingsAccountId && !savings)
+    return fail(tr.transactions.validation.accountInvalid, {
+      savingsAccountId: tr.transactions.validation.accountInvalid,
+    });
+  return ok({
+    direction: input.direction,
+    assetKey: input.assetKey,
+    quantity: input.quantity,
+    date: input.date,
+    unitPriceMinor,
+    valueMinor: valueOf(input.quantity, unitPriceMinor),
+    note: input.note,
+    savingsAccountId: savings?.id ?? null,
+    monthlyPlanMinor: savings ? input.monthlyPlan : null,
+  });
+}
+
+export async function createInKind(
+  actorId: string,
+  householdId: string,
+  contactId: string,
+  input: InKindForm,
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const cid = toObjectId(contactId);
+  const contact = cid ? contactVisible(ctx, cid) : null;
+  if (!contact) return fail(tr.common.notFound);
+  if (contact.archived) return fail(tr.contacts.errors.archived);
+  const fields = await debtFields(ctx, input);
+  if (!fields.ok) return fields;
+  const actor = new Types.ObjectId(actorId);
+  const doc = await InKindDebtModel.create({
+    ...fields.data,
+    householdId: ctx.m.householdId,
+    contactId: contact.id,
+    createdBy: actor,
+    updatedBy: actor,
+  });
+  return ok({ id: String(doc._id) });
+}
+
+export async function updateInKind(
+  actorId: string,
+  householdId: string,
+  debtId: string,
+  input: InKindForm,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const d = await loadDebt(ctx, debtId);
+  if (!d) return fail(tr.common.notFound);
+  const paid = d.payments.reduce((a, p) => a + p.quantity, 0);
+  if (input.quantity < paid)
+    return fail(t.errors.quantityBelowPaid, { quantity: t.errors.quantityBelowPaid });
+  // Ödeme varsa yön ve varlık değişemez (ödemeler o varlık cinsindendir).
+  if (d.payments.length && (input.direction !== d.direction || input.assetKey !== d.assetKey))
+    return fail(t.errors.closed);
+  const fields = await debtFields(ctx, input);
+  if (!fields.ok) return fields;
+  await InKindDebtModel.updateOne(
+    { _id: d._id, householdId: ctx.m.householdId },
+    {
+      $set: {
+        ...fields.data,
+        closedAt: paid >= input.quantity ? (d.closedAt ?? todayIstanbul()) : null,
+        updatedBy: new Types.ObjectId(actorId),
+      },
+    },
+  );
+  return ok(undefined);
+}
+
+export async function deleteInKind(
+  actorId: string,
+  householdId: string,
+  debtId: string,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const d = await loadDebt(ctx, debtId);
+  if (!d) return fail(tr.common.notFound);
+  const actor = new Types.ObjectId(actorId);
+  await InKindDebtModel.updateOne(
+    { _id: d._id },
+    { $set: { deletedAt: new Date(), updatedBy: actor } },
+  );
+  // Bağlı varlık hareketleri serbest kalır (Birikim sayfasından yönetilebilir).
+  await AssetMovementModel.updateMany(
+    { householdId: ctx.m.householdId, inKindDebtId: d._id },
+    { $set: { inKindDebtId: null } },
+  );
+  await writeAudit({
+    action: "inkind.delete",
+    actorId: actor,
+    householdId: ctx.m.householdId,
+    targetType: "inKindDebt",
+    targetId: String(d._id),
+    diff: { assetKey: d.assetKey, quantity: d.quantity, direction: d.direction },
+  });
+  return ok(undefined);
+}
+
+// --- Birikim ve ödeme ---
+
+/** Birikim katkısı: kaynak hesaptan borcun birikim hesabına transfer (borç kapanmaz). */
+export async function addContribution(
+  actorId: string,
+  householdId: string,
+  debtId: string,
+  input: ContributionForm,
+): Promise<ActionResult<{ transactionId: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const d = await loadDebt(ctx, debtId);
+  if (!d) return fail(tr.common.notFound);
+  if (d.closedAt) return fail(t.errors.closed);
+  if (d.direction !== "debt" || !d.savingsAccountId) return fail(t.errors.noSavings);
+  const from = checkAccount(ctx, input.fromAccountId);
+  const to = checkAccount(ctx, String(d.savingsAccountId));
+  if (!from || !to)
+    return fail(tr.transactions.validation.accountInvalid, {
+      fromAccountId: tr.transactions.validation.accountInvalid,
+    });
+  if (from.id.equals(to.id))
+    return fail(t.errors.sameAccount, { fromAccountId: t.errors.sameAccount });
+  const date = istanbulDayStart(input.date);
+  if (!date) return fail(tr.validation.date, { date: tr.validation.date });
+  const actor = new Types.ObjectId(actorId);
+  const contactName = ctx.contactMap.get(String(d.contactId))?.name ?? "";
+  const description = t.contributionDescription(
+    formatAssetQuantity(d.assetKey, d.quantity),
+    contactName,
+  );
+  const tx = await TransactionModel.create({
+    householdId: ctx.m.householdId,
+    type: "transfer",
+    status: "posted",
+    date,
+    accountId: from.id,
+    toAccountId: to.id,
+    amountMinor: input.amount,
+    description,
+    searchText: foldTr(description),
+    contactId: d.contactId,
+    inKindDebtId: d._id,
+    inKindRole: "contribution",
+    createdBy: actor,
+    updatedBy: actor,
+  });
+  return ok({ transactionId: String(tx._id) });
+}
+
+/**
+ * "Ödeme gerçekleşti": kısmi ödeme miktarı düşürür, tam ödemede kayıt kapanır. TL tutar varsa
+ * hesaptan çıkış (borç) veya hesaba giriş (alacak) işlemi aynı transaction içinde oluşturulur.
+ */
+export async function recordPayment(
+  actorId: string,
+  householdId: string,
+  debtId: string,
+  input: PaymentForm,
+): Promise<ActionResult<{ closed: boolean }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const d = await loadDebt(ctx, debtId);
+  if (!d) return fail(tr.common.notFound);
+  if (d.closedAt) return fail(t.errors.closed);
+  if (input.date > todayIstanbul()) return fail(tr.validation.date, { date: tr.validation.date });
+  const date = istanbulDayStart(input.date);
+  if (!date) return fail(tr.validation.date, { date: tr.validation.date });
+
+  const account = input.accountId ? checkAccount(ctx, input.accountId) : null;
+  if (input.accountId && !account)
+    return fail(tr.transactions.validation.accountInvalid, {
+      accountId: tr.transactions.validation.accountInvalid,
+    });
+
+  let quantity = input.quantity;
+  if (quantity === null) {
+    const price = valuationPrice(
+      d.direction,
+      await priceOn(ctx.m.householdId, d.assetKey, input.date),
+    );
+    if (!price) return fail(t.errors.noCurrentPrice, { quantity: t.errors.noCurrentPrice });
+    quantity = quantityForAmount(input.amount ?? 0, price);
+  }
+  const paid = d.payments.reduce((a, p) => a + p.quantity, 0);
+  const remaining = d.quantity - paid;
+  quantity = Math.min(quantity, remaining);
+  if (quantity <= 0) return fail(t.validation.quantity, { quantity: t.validation.quantity });
+  const closed = paid + quantity >= d.quantity;
+
+  const actor = new Types.ObjectId(actorId);
+  const amountMinor = input.amount ?? 0;
+  const contactName = ctx.contactMap.get(String(d.contactId))?.name ?? "";
+  const description = t.paymentDescription(
+    d.direction === "debt",
+    formatAssetQuantity(d.assetKey, quantity),
+    contactName,
+  );
+
+  if (input.assetId) {
+    const asset = ctx.assetMap.get(input.assetId);
+    if (!asset || asset.hidden || asset.deleted)
+      return fail(tr.common.notFound, { assetId: tr.common.notFound });
+    if (asset.assetKey !== d.assetKey)
+      return fail(t.link.assetMismatch, { assetId: t.link.assetMismatch });
+  }
+
+  const writePayment = async (session: mongoose.ClientSession) => {
+    let transactionId: Types.ObjectId | null = null;
+    if (amountMinor > 0 && account) {
+      const out = d.direction === "debt";
+      const [tx] = await TransactionModel.create(
+        [
+          {
+            householdId: ctx.m.householdId,
+            type: "transfer",
+            status: "posted",
+            date,
+            // Borç ödemesi hesaptan çıkar; alacak tahsilatı hesaba girer.
+            accountId: out ? account.id : null,
+            toAccountId: out ? null : account.id,
+            amountMinor,
+            description,
+            searchText: foldTr(description),
+            contactId: d.contactId,
+            inKindDebtId: d._id,
+            inKindRole: "payment",
+            createdBy: actor,
+            updatedBy: actor,
+          },
+        ],
+        { session },
+      );
+      transactionId = tx!._id;
+    }
+    await InKindDebtModel.updateOne(
+      { _id: d._id, householdId: ctx.m.householdId, closedAt: null },
+      {
+        $push: {
+          payments: {
+            date: input.date,
+            method: input.method,
+            quantity,
+            amountMinor,
+            accountId: account?.id ?? null,
+            transactionId,
+            note: input.note,
+            createdBy: actor,
+          },
+        },
+        $set: { closedAt: closed ? input.date : null, updatedBy: actor },
+      },
+      { session },
+    );
+    await writeAudit(
+      {
+        action: closed ? "inkind.close" : "inkind.payment",
+        actorId: actor,
+        householdId: ctx.m.householdId,
+        targetType: "inKindDebt",
+        targetId: String(d._id),
+        diff: { method: input.method, quantity, amountMinor, remaining: remaining - quantity },
+      },
+      session,
+    );
+  };
+
+  try {
+    await mongoose.connection.transaction(async (session) => {
+      // Varlık bağlantısı: borç ödemesi varlıktan çıkış, alacak tahsilatı varlığa giriş.
+      if (input.assetId) {
+        const r = await addMovement(
+          actorId,
+          householdId,
+          input.assetId,
+          {
+            kind: d.direction === "debt" ? "gift_out" : "gift_in",
+            date: input.date,
+            quantity,
+            unitPrice: d.direction === "debt" ? null : (d.unitPriceMinor ?? null),
+            amount: null,
+            accountId: null,
+            storage: "",
+            note: t.link.movementNote(contactName),
+          },
+          { inKindDebtId: d._id, session },
+        );
+        if (!r.ok) throw new LinkError(r.error, r.fieldErrors?.quantity);
+      }
+      await writePayment(session);
+    });
+  } catch (error) {
+    if (error instanceof LinkError)
+      return fail(error.message, error.quantity ? { quantity: error.quantity } : undefined);
+    throw error;
+  }
+  return ok({ closed });
+}
+
+/** Varlık hareketi eklenemedi: transaction geri alınır, hata kullanıcıya döner. */
+class LinkError extends Error {
+  constructor(
+    message: string,
+    readonly quantity?: string,
+  ) {
+    super(message);
+  }
+}
+
+/** Cari listesi için açık aynî kayıt özetleri (cari kimliği → etiketler). */
+export async function openInKindByContact(
+  userId: string,
+  householdId: string,
+): Promise<Map<string, { direction: InKindDirection; label: string }[]>> {
+  const views = (await listInKind(userId, householdId)) ?? [];
+  const map = new Map<string, { direction: InKindDirection; label: string }[]>();
+  for (const v of views) {
+    if (v.closedAt) continue;
+    const list = map.get(v.contactId) ?? [];
+    list.push({
+      direction: v.direction,
+      label: formatAssetQuantity(v.assetKey, v.quantity - v.paidQuantity),
+    });
+    map.set(v.contactId, list);
+  }
+  return map;
+}

src/features/net-worth/components/net-worth-card.tsx

@@ -0,0 +1,62 @@
+import { Card, CardContent } from "@/components/ui/card";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatMoney } from "@/shared/format";
+import type { NetWorth } from "../service";
+
+const t = tr.assets.netWorth;
+
+/** Net varlık dökümü: artılar ve eksiler, altta toplam. */
+export function NetWorthCard({ data }: { data: NetWorth }) {
+  const rows: { label: string; minor: number; sign: 1 | -1 }[] = [
+    { label: t.accounts, minor: data.accountsMinor, sign: 1 },
+    { label: t.assets, minor: data.assetsMinor, sign: 1 },
+    { label: t.contactReceivable, minor: data.contactReceivableMinor, sign: 1 },
+    { label: t.inKindReceivable, minor: data.inKindReceivableMinor, sign: 1 },
+    { label: t.cardDebt, minor: data.cardDebtMinor, sign: -1 },
+    { label: t.contactPayable, minor: data.contactPayableMinor, sign: -1 },
+    { label: t.inKindPayable, minor: data.inKindPayableMinor, sign: -1 },
+  ];
+  const plus = rows.filter((r) => r.sign === 1);
+  const minus = rows.filter((r) => r.sign === -1);
+  const list = (items: typeof rows) => (
+    <dl className="flex flex-col text-sm">
+      {items.map((r) => (
+        <div key={r.label} className="flex items-center justify-between gap-2 py-1">
+          <dt className="text-muted-foreground">{r.label}</dt>
+          <dd className="tabular-nums">
+            {r.sign < 0 && r.minor ? "−" : ""}
+            {formatMoney(r.minor)}
+          </dd>
+        </div>
+      ))}
+    </dl>
+  );
+  return (
+    <Card size="sm">
+      <CardContent className="flex flex-col gap-3">
+        <div>
+          <p
+            className={cn(
+              "text-3xl font-semibold tracking-tight tabular-nums",
+              data.totalMinor < 0 && "text-expense",
+            )}
+          >
+            {formatMoney(data.totalMinor)}
+          </p>
+          <p className="text-sm text-muted-foreground">{t.description}</p>
+        </div>
+        <div className="grid gap-x-8 gap-y-1 border-t pt-2 sm:grid-cols-2">
+          {list(plus)}
+          {list(minus)}
+        </div>
+        {data.missingPrice ? (
+          <p className="text-xs text-muted-foreground">{t.missingPrice(data.missingPrice)}</p>
+        ) : null}
+        {data.includesHidden ? (
+          <p className="text-xs text-muted-foreground">{t.includesHidden}</p>
+        ) : null}
+      </CardContent>
+    </Card>
+  );
+}

src/features/net-worth/service.int.test.ts

@@ -0,0 +1,310 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { addMovement, createAsset, getAsset, getPeriodReport } from "@/features/assets/service";
+import { createContactEntry, createContact } from "@/features/contacts/service";
+import {
+  createInKind,
+  deleteInKind,
+  listInKind,
+  recordPayment,
+  savePrice,
+} from "@/features/in-kind/service";
+import { AccountModel } from "@/models/account";
+import { AssetModel } from "@/models/asset";
+import { AssetMovementModel } from "@/models/asset-movement";
+import { AssetPriceModel } from "@/models/asset-price";
+import { InKindDebtModel } from "@/models/in-kind-debt";
+import { TransactionModel } from "@/models/transaction";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays, addMonths } from "@/shared/recurrence";
+import { assetFormSchema, movementFormSchema } from "@/shared/schemas/asset";
+import { contactEntrySchema, contactFormSchema } from "@/shared/schemas/contact";
+import {
+  assetPriceFormSchema,
+  inKindFormSchema,
+  paymentFormSchema,
+} from "@/shared/schemas/in-kind";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import { getNetWorth } from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let emre = "";
+const today = todayIstanbul();
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  // Seed varlık/fiyat/aynî örnekleri senaryoları etkilemesin.
+  await Promise.all([
+    AssetPriceModel.deleteMany({}),
+    AssetModel.deleteMany({}),
+    AssetMovementModel.deleteMany({}),
+    InKindDebtModel.deleteMany({}),
+    TransactionModel.deleteMany({
+      $or: [{ assetId: { $ne: null } }, { inKindDebtId: { $ne: null } }],
+    }),
+  ]);
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+const price = (assetKey: string, date: string, buy: string, sell = "") =>
+  savePrice(ayse, cakir, assetPriceFormSchema.parse({ assetKey, date, buy, sell }));
+const mv = (input: Record<string, unknown>) => movementFormSchema.parse({ date: today, ...input });
+async function asset(name: string, assetKey = "gram_gold", isPrivate = false, by = ayse) {
+  const r = await createAsset(by, cakir, assetFormSchema.parse({ assetKey, name, isPrivate }));
+  return r.ok ? r.data.id : "";
+}
+async function contact(name: string) {
+  const r = await createContact(
+    ayse,
+    cakir,
+    contactFormSchema.parse({ name, openingDate: addDays(today, -200) }),
+  );
+  return r.ok ? r.data.id : "";
+}
+const netWorth = async (user = ayse) => (await getNetWorth(user, cakir))!;
+
+describe("dönemsel rapor", () => {
+  let gold = "";
+
+  it("son 6 ay: yatırılan, dönem sonu değer ve kâr; aylık noktalar", async () => {
+    const m6 = addMonths(today, -6);
+    await price("gram_gold", addDays(m6, -10), "2.500", "2.550");
+    await price("gram_gold", addMonths(today, -3), "2.800", "2.850");
+    await price("gram_gold", today, "3.000", "3.050");
+    gold = await asset("Rapor altın");
+    // Dönem öncesi 2 gr (başlangıç değeri), dönem içinde 10 gr + 1 gr.
+    await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "buy", date: addDays(m6, -5), quantity: "2", amount: "5.000" }),
+    );
+    await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "buy", date: addDays(m6, 3), quantity: "10", amount: "25.000" }),
+    );
+    await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "buy", date: addMonths(today, -2), quantity: "1", amount: "2.850" }),
+    );
+    const r = (await getPeriodReport(ayse, cakir, "6", gold))!;
+    expect(r.from).toBe(m6);
+    expect(r.startValueMinor).toBe(5_000_00);
+    expect(r.investedMinor).toBe(27_850_00);
+    expect(r.endValueMinor).toBe(39_000_00);
+    expect(r.profitMinor).toBe(39_000_00 - 5_000_00 - 27_850_00);
+    expect(r.points[0]!.date).toBe(m6);
+    expect(r.points.at(-1)).toMatchObject({
+      date: today,
+      valueMinor: 39_000_00,
+      costMinor: 32_850_00,
+    });
+    expect(r.points.length).toBeGreaterThanOrEqual(7);
+    // "Tümü" ilk hareketten başlar; başlangıç değeri 0, kâr = değer − maliyet.
+    const all = (await getPeriodReport(ayse, cakir, "tum", gold))!;
+    expect(all.startValueMinor).toBe(0);
+    expect(all.profitMinor).toBe(39_000_00 - 32_850_00);
+  });
+
+  it("toplam rapor gizli varlığı başkasına katmaz; fiyatsız varlık dışarıda sayılır", async () => {
+    const secret = await asset("Gizli altın", "gram_gold", true, emre);
+    await addMovement(emre, cakir, secret, mv({ kind: "buy", quantity: "5", amount: "15.000" }));
+    const silver = await asset("Gümüş", "silver_gram");
+    await addMovement(
+      ayse,
+      cakir,
+      silver,
+      mv({ kind: "gift_in", quantity: "100", amount: "4.000" }),
+    );
+    const forAyse = (await getPeriodReport(ayse, cakir, "tum"))!;
+    expect(forAyse.investedMinor).toBe(32_850_00);
+    expect(forAyse.excluded).toBe(1);
+    const forEmre = (await getPeriodReport(emre, cakir, "tum"))!;
+    expect(forEmre.investedMinor).toBe(32_850_00 + 15_000_00);
+    expect(await getPeriodReport(ayse, cakir, "6", secret)).toBeNull();
+  });
+});
+
+describe("net varlık", () => {
+  it("formül: hesaplar − kart borcu + varlıklar + alacaklar − borçlar", async () => {
+    const n = await netWorth();
+    expect(n.totalMinor).toBe(
+      n.accountsMinor -
+        n.cardDebtMinor +
+        n.assetsMinor +
+        n.contactReceivableMinor -
+        n.contactPayableMinor +
+        n.inKindReceivableMinor -
+        n.inKindPayableMinor,
+    );
+    // Gümüşün fiyatı yok → katılmaz ve sayılır.
+    expect(n.missingPrice).toBe(1);
+    // Emre kendi gizli altınını da görür: 5 × 3.000.
+    expect((await netWorth(emre)).assetsMinor - n.assetsMinor).toBe(15_000_00);
+  });
+
+  it("satış fiyatından alım net varlığı yalnızca makas kadar düşürür; cariden borç almak değiştirmez", async () => {
+    const gold = await asset("Makas altın");
+    const n0 = (await netWorth()).totalMinor;
+    await addMovement(
+      ayse,
+      cakir,
+      gold,
+      mv({ kind: "buy", quantity: "1", accountId: await acc("Ziraat Maaş") }),
+    );
+    expect((await netWorth()).totalMinor).toBe(n0 - 50_00);
+
+    const ali = await contact("Net Ali");
+    const n1 = (await netWorth()).totalMinor;
+    await createContactEntry(
+      ayse,
+      cakir,
+      ali,
+      contactEntrySchema.parse({
+        kind: "borrow",
+        accountId: await acc("Cüzdan"),
+        amount: "1.000",
+        date: today,
+      }),
+    );
+    const n2 = await netWorth();
+    expect(n2.totalMinor).toBe(n1);
+    expect(n2.contactPayableMinor).toBeGreaterThanOrEqual(1_000_00);
+  });
+
+  it("aynî borç satış, aynî alacak alış fiyatıyla düşülür/eklenir", async () => {
+    const hasan = await contact("Net Hasan");
+    const n0 = (await netWorth()).totalMinor;
+    await createInKind(
+      ayse,
+      cakir,
+      hasan,
+      inKindFormSchema.parse({
+        direction: "debt",
+        assetKey: "gram_gold",
+        quantity: "2",
+        date: today,
+      }),
+    );
+    expect((await netWorth()).totalMinor).toBe(n0 - 6_100_00);
+    await createInKind(
+      ayse,
+      cakir,
+      hasan,
+      inKindFormSchema.parse({
+        direction: "receivable",
+        assetKey: "gram_gold",
+        quantity: "1",
+        date: today,
+      }),
+    );
+    expect((await netWorth()).totalMinor).toBe(n0 - 6_100_00 + 3_000_00);
+  });
+});
+
+describe("aynî kayıt ↔ varlık bağlantısı", () => {
+  it("borç aynı varlıkla ödenirken varlıktan düşer; yetersizse hiçbir şey yazılmaz", async () => {
+    const kasa = await asset("Kasa altın");
+    await addMovement(ayse, cakir, kasa, mv({ kind: "buy", quantity: "3", amount: "9.000" }));
+    const veli = await contact("Bağ Veli");
+    const debt = await createInKind(
+      ayse,
+      cakir,
+      veli,
+      inKindFormSchema.parse({
+        direction: "debt",
+        assetKey: "gram_gold",
+        quantity: "5",
+        date: today,
+      }),
+    );
+    const debtId = debt.ok ? debt.data.id : "";
+
+    // 4 gr ödemek istiyor ama kasada 3 gr var → reddedilir, ödeme yazılmaz.
+    const fail = await recordPayment(
+      ayse,
+      cakir,
+      debtId,
+      paymentFormSchema.parse({ method: "asset", date: today, quantity: "4", assetId: kasa }),
+    );
+    expect(fail.ok).toBe(false);
+    expect((await InKindDebtModel.findById(debtId).lean())!.payments).toHaveLength(0);
+
+    const r = await recordPayment(
+      ayse,
+      cakir,
+      debtId,
+      paymentFormSchema.parse({ method: "asset", date: today, quantity: "2", assetId: kasa }),
+    );
+    expect(r).toMatchObject({ ok: true, data: { closed: false } });
+    const a = (await getAsset(ayse, cakir, kasa))!;
+    expect(a.summary.quantity).toBe(1_000);
+    expect(a.movements[0]).toMatchObject({ kind: "gift_out", quantity: 2_000, fromInKind: true });
+    expect((await listInKind(ayse, cakir, veli))![0]!.paidQuantity).toBe(2_000);
+
+    // Kayıt silinince hareket serbest kalır.
+    await deleteInKind(ayse, cakir, debtId);
+    expect((await getAsset(ayse, cakir, kasa))!.movements[0]!.fromInKind).toBe(false);
+  });
+
+  it("alacak aynı varlıkla tahsil edilince varlığa borç tarihindeki fiyatla eklenir", async () => {
+    const ziynet = await asset("Ziynet kutusu", "quarter_gold");
+    const ayten = await contact("Bağ Ayten");
+    const rec = await createInKind(
+      ayse,
+      cakir,
+      ayten,
+      inKindFormSchema.parse({
+        direction: "receivable",
+        assetKey: "quarter_gold",
+        quantity: "2",
+        date: addDays(today, -30),
+        unitPrice: "5.000",
+      }),
+    );
+    const recId = rec.ok ? rec.data.id : "";
+    const gold = await asset("Yanlış tür");
+    expect(
+      (
+        await recordPayment(
+          ayse,
+          cakir,
+          recId,
+          paymentFormSchema.parse({ method: "asset", date: today, quantity: "2", assetId: gold }),
+        )
+      ).ok,
+    ).toBe(false);
+    expect(
+      paymentFormSchema.safeParse({
+        method: "cash",
+        date: today,
+        amount: "1",
+        accountId: await acc("Cüzdan"),
+        assetId: ziynet,
+      }).success,
+    ).toBe(false);
+
+    const r = await recordPayment(
+      ayse,
+      cakir,
+      recId,
+      paymentFormSchema.parse({ method: "asset", date: today, quantity: "2", assetId: ziynet }),
+    );
+    expect(r).toMatchObject({ ok: true, data: { closed: true } });
+    const a = (await getAsset(ayse, cakir, ziynet))!;
+    expect(a.summary).toMatchObject({ quantity: 2_000, costMinor: 10_000_00, investedMinor: 0 });
+    expect(a.movements[0]).toMatchObject({ kind: "gift_in", fromInKind: true });
+  });
+});

src/features/net-worth/service.ts

@@ -0,0 +1,71 @@
+import "server-only";
+import { listAccounts } from "@/features/accounts/service";
+import { listAssets } from "@/features/assets/service";
+import { listContacts } from "@/features/contacts/service";
+import { listInKind } from "@/features/in-kind/service";
+
+/**
+ * Net varlık (Bölüm 6.6): hesap bakiyeleri (kart borçları eksi) + varlıkların güncel değeri
+ * (alış) + cari alacaklar − cari borçlar + aynî alacaklar (alış) − aynî borçlar (satış).
+ * Görünürlük kaynak listelerin kurallarını izler (gizli varlık/cari sayılmaz; gizli hesap
+ * bakiyeleri hane ayarına göre toplama girer).
+ */
+export type NetWorth = {
+  accountsMinor: number;
+  cardDebtMinor: number;
+  assetsMinor: number;
+  contactReceivableMinor: number;
+  contactPayableMinor: number;
+  inKindReceivableMinor: number;
+  inKindPayableMinor: number;
+  totalMinor: number;
+  /** Fiyatı olmadığı için katılmayan varlık + aynî kayıt sayısı. */
+  missingPrice: number;
+  /** Başkasının gizli hesabının bakiyesi toplama dahil (hane ayarı). */
+  includesHidden: boolean;
+};
+
+export async function getNetWorth(userId: string, householdId: string): Promise<NetWorth | null> {
+  const [accounts, assets, contacts, inKind] = await Promise.all([
+    listAccounts(userId, householdId),
+    listAssets(userId, householdId),
+    listContacts(userId, householdId),
+    listInKind(userId, householdId),
+  ]);
+  if (!accounts || !assets || !contacts || !inKind) return null;
+  let inKindReceivableMinor = 0;
+  let inKindPayableMinor = 0;
+  let missingPrice = assets.totals.missingPrice;
+  for (const v of inKind) {
+    if (v.closedAt || v.progress.remainingQuantity === 0) continue;
+    const value = v.progress.currentValueMinor;
+    if (value === null) {
+      missingPrice++;
+      continue;
+    }
+    if (v.direction === "debt") inKindPayableMinor += value;
+    else inKindReceivableMinor += value;
+  }
+  const r = {
+    accountsMinor: accounts.totals.assetsMinor,
+    cardDebtMinor: -accounts.totals.cardDebtMinor,
+    assetsMinor: assets.totals.valueMinor,
+    contactReceivableMinor: contacts.totals.owesMeMinor,
+    contactPayableMinor: contacts.totals.iOweMinor,
+    inKindReceivableMinor,
+    inKindPayableMinor,
+  };
+  return {
+    ...r,
+    totalMinor:
+      r.accountsMinor -
+      r.cardDebtMinor +
+      r.assetsMinor +
+      r.contactReceivableMinor -
+      r.contactPayableMinor +
+      r.inKindReceivableMinor -
+      r.inKindPayableMinor,
+    missingPrice,
+    includesHidden: accounts.totals.includesHidden,
+  };
+}

src/features/recurring/actions.ts

@@ -0,0 +1,137 @@
+"use server";
+
+import { revalidatePath } from "next/cache";
+import { z } from "zod";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { getHouseholdActionContext } from "@/lib/dal";
+import { confirmOccurrenceSchema, recurringRuleFormSchema } from "@/shared/schemas/recurring";
+import {
+  confirmOccurrence,
+  createRule,
+  deleteRule,
+  getRuleForm,
+  postponeOccurrence,
+  skipOccurrence,
+  updateRule,
+  type RuleFormValues,
+} from "./service";
+
+const idSchema = z.string().regex(/^[a-f0-9]{24}$/i);
+const optionalId = idSchema.optional();
+const scopeSchema = z.enum(["all", "following"]);
+const ymd = z.string().regex(/^\d{4}-\d{2}-\d{2}$/);
+
+function fieldErrors(error: z.ZodError) {
+  const out: Record<string, string> = {};
+  for (const issue of error.issues) {
+    const key = issue.path.join(".");
+    if (key && !out[key]) out[key] = issue.message;
+  }
+  return out;
+}
+
+function revalidate() {
+  revalidatePath("/", "layout");
+}
+
+export async function createRuleAction(input: unknown): Promise<ActionResult<{ id: string }>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const parsed = recurringRuleFormSchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  const result = await createRule(ctx.user.id, ctx.household.id, parsed.data);
+  if (result.ok) revalidate();
+  return result.ok ? ok({ id: result.data.id }) : result;
+}
+
+export async function updateRuleAction(
+  ruleId: unknown,
+  input: unknown,
+  scope: unknown,
+  fromTransactionId?: unknown,
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(ruleId);
+  const s = scopeSchema.safeParse(scope);
+  const from = optionalId.safeParse(fromTransactionId ?? undefined);
+  if (!id.success || !s.success || !from.success) return fail(tr.common.notFound);
+  const parsed = recurringRuleFormSchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  const result = await updateRule(
+    ctx.user.id,
+    ctx.household.id,
+    id.data,
+    parsed.data,
+    s.data,
+    from.data,
+  );
+  if (result.ok) revalidate();
+  return result;
+}
+
+export async function deleteRuleAction(
+  ruleId: unknown,
+  scope: unknown,
+  fromTransactionId?: unknown,
+): Promise<ActionResult<{ removed: number }>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(ruleId);
+  const s = scopeSchema.safeParse(scope);
+  const from = optionalId.safeParse(fromTransactionId ?? undefined);
+  if (!id.success || !s.success || !from.success) return fail(tr.common.notFound);
+  const result = await deleteRule(ctx.user.id, ctx.household.id, id.data, s.data, from.data);
+  if (result.ok) revalidate();
+  return result;
+}
+
+export async function getRuleFormAction(ruleId: unknown): Promise<ActionResult<RuleFormValues>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(ruleId);
+  if (!id.success) return fail(tr.common.notFound);
+  const values = await getRuleForm(ctx.user.id, ctx.household.id, id.data);
+  return values ? ok(values) : fail(tr.common.notFound);
+}
+
+export async function confirmOccurrenceAction(
+  transactionId: unknown,
+  input: unknown,
+): Promise<ActionResult> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(transactionId);
+  if (!id.success) return fail(tr.common.notFound);
+  const parsed = confirmOccurrenceSchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  const result = await confirmOccurrence(ctx.user.id, ctx.household.id, id.data, parsed.data);
+  if (result.ok) revalidate();
+  return result;
+}
+
+export async function skipOccurrenceAction(transactionId: unknown): Promise<ActionResult> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(transactionId);
+  if (!id.success) return fail(tr.common.notFound);
+  const result = await skipOccurrence(ctx.user.id, ctx.household.id, id.data);
+  if (result.ok) revalidate();
+  return result;
+}
+
+export async function postponeOccurrenceAction(
+  transactionId: unknown,
+  date: unknown,
+): Promise<ActionResult> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(transactionId);
+  const d = ymd.safeParse(date);
+  if (!id.success) return fail(tr.common.notFound);
+  if (!d.success) return fail(tr.validation.date, { date: tr.validation.date });
+  const result = await postponeOccurrence(ctx.user.id, ctx.household.id, id.data, d.data);
+  if (result.ok) revalidate();
+  return result;
+}

src/features/recurring/components/overdue-banner.tsx

@@ -0,0 +1,32 @@
+import { TriangleAlert } from "lucide-react";
+import Link from "next/link";
+import { Button } from "@/components/ui/button";
+import { tr } from "@/i18n/tr";
+import { countOverdue, ensureHorizon } from "../service";
+import { toObjectId } from "@/lib/object-id";
+
+/** Dashboard: vadesi geçmiş onaylanmamış planlı işlemler uyarısı (Bölüm 6.7). */
+export async function OverdueBanner({
+  userId,
+  householdId,
+}: {
+  userId: string;
+  householdId: string;
+}) {
+  const hid = toObjectId(householdId);
+  if (hid) await ensureHorizon(hid);
+  const n = await countOverdue(userId, householdId);
+  if (!n) return null;
+  return (
+    <div
+      role="status"
+      className="flex flex-wrap items-center gap-3 rounded-xl border border-expense/30 bg-expense/10 p-3 text-sm"
+    >
+      <TriangleAlert className="size-4 shrink-0 text-expense" aria-hidden />
+      <span className="flex-1">{tr.recurring.overdueBanner(n)}</span>
+      <Button asChild size="sm" variant="outline">
+        <Link href="/planli">{tr.recurring.overdueLink}</Link>
+      </Button>
+    </div>
+  );
+}

src/features/recurring/components/planned-view.tsx

@@ -0,0 +1,508 @@
+"use client";
+
+import {
+  CalendarClock,
+  Check,
+  EllipsisVertical,
+  Loader2,
+  Pencil,
+  Plus,
+  SkipForward,
+  Trash2,
+  Repeat,
+} from "lucide-react";
+import { useState, useTransition } from "react";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import { useQuickAdd } from "@/components/layout/quick-add";
+import {
+  AlertDialog,
+  AlertDialogCancel,
+  AlertDialogContent,
+  AlertDialogDescription,
+  AlertDialogFooter,
+  AlertDialogHeader,
+  AlertDialogTitle,
+} from "@/components/ui/alert-dialog";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardDescription, CardHeader } from "@/components/ui/card";
+import {
+  DropdownMenu,
+  DropdownMenuContent,
+  DropdownMenuItem,
+  DropdownMenuSeparator,
+  DropdownMenuTrigger,
+} from "@/components/ui/dropdown-menu";
+import { Field, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import { Tabs, TabsContent, TabsList, TabsTrigger } from "@/components/ui/tabs";
+import { getTransactionAction } from "@/features/transactions/actions";
+import {
+  Amount,
+  RowIcon,
+  rowSubtitle,
+  rowTitle,
+} from "@/features/transactions/components/transaction-parts";
+import { tr } from "@/i18n/tr";
+import { todayIstanbul } from "@/shared/dates";
+import { formatDate, formatMoney } from "@/shared/format";
+import { formatMoneyInput } from "@/shared/money";
+import { addDays } from "@/shared/recurrence";
+import {
+  confirmOccurrenceAction,
+  deleteRuleAction,
+  getRuleFormAction,
+  postponeOccurrenceAction,
+  skipOccurrenceAction,
+} from "../actions";
+import type { PlannedItem, PlannedOverview, RuleView } from "../service";
+import { RuleFormDialog, type RuleFormMode } from "./rule-form";
+
+const t = tr.recurring;
+const dateLabel = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+
+type Pending =
+  | { kind: "confirm"; item: PlannedItem }
+  | { kind: "postpone"; item: PlannedItem }
+  | { kind: "scope"; item: PlannedItem }
+  | { kind: "delete"; ruleId: string; item?: PlannedItem }
+  | null;
+
+export function PlannedView({ data, canWrite }: { data: PlannedOverview; canWrite: boolean }) {
+  const [tab, setTab] = useState(data.overdue.length ? "overdue" : "upcoming");
+  const [pending, setPending] = useState<Pending>(null);
+  const [ruleForm, setRuleForm] = useState<RuleFormMode | null>(null);
+  const [, startTransition] = useTransition();
+  const { openTransactionForm } = useQuickAdd();
+
+  function skip(item: PlannedItem) {
+    startTransition(async () => {
+      const r = await skipOccurrenceAction(item.id);
+      if (r.ok) toast.success(t.toast.skipped);
+      else toast.error(r.error);
+    });
+  }
+
+  async function editScope(item: PlannedItem, scope: "one" | "following" | "all") {
+    setPending(null);
+    if (scope === "one" || !item.recurringRuleId) {
+      const d = await getTransactionAction(item.id);
+      if (d.ok) openTransactionForm({ kind: "edit", transaction: d.data });
+      else toast.error(d.error);
+      return;
+    }
+    const rule = await getRuleFormAction(item.recurringRuleId);
+    if (!rule.ok) return void toast.error(rule.error);
+    const [pos, total] = (item.seriesPosition ?? "").split("/").map(Number);
+    setRuleForm({
+      kind: "edit",
+      rule: rule.data,
+      scope,
+      fromTransactionId: scope === "following" ? item.id : undefined,
+      fromDate: scope === "following" ? item.date : undefined,
+      remainingCount: pos && total ? total - pos + 1 : null,
+    });
+  }
+
+  async function editRule(rule: RuleView) {
+    const r = await getRuleFormAction(rule.id);
+    if (r.ok) setRuleForm({ kind: "edit", rule: r.data, scope: "all" });
+    else toast.error(r.error);
+  }
+
+  const itemList = (items: PlannedItem[], empty: string) =>
+    items.length === 0 ? (
+      <Card>
+        <CardHeader>
+          <CardDescription>{empty}</CardDescription>
+        </CardHeader>
+      </Card>
+    ) : (
+      <ul className="divide-y rounded-xl border bg-card">
+        {items.map((item) => (
+          <li key={item.id} className="flex items-center gap-3 p-3">
+            <RowIcon item={item} />
+            <span className="min-w-0 flex-1">
+              <span className="flex items-center gap-1.5">
+                <span className="truncate font-medium">{rowTitle(item)}</span>
+                {item.seriesPosition ? (
+                  <Badge variant="outline" className="hidden sm:inline-flex">
+                    {item.seriesPosition}
+                  </Badge>
+                ) : null}
+                {item.isEstimate ? (
+                  <Badge variant="secondary" className="hidden sm:inline-flex">
+                    {t.estimate}
+                  </Badge>
+                ) : null}
+              </span>
+              <span className="block truncate text-xs text-muted-foreground">
+                {/* Mobilde rozetler alt satırda (başlık daralmasın). */}
+                <span className="sm:hidden">
+                  {item.seriesPosition ? `${item.seriesPosition} · ` : ""}
+                  {item.isEstimate ? `${t.estimate} · ` : ""}
+                </span>
+                {dateLabel(item.date)} · {rowSubtitle(item)}
+              </span>
+            </span>
+            <Amount type={item.type} amountMinor={item.amountMinor} />
+            {canWrite ? (
+              <span className="flex items-center gap-1">
+                <Button
+                  size="sm"
+                  variant="outline"
+                  onClick={() => setPending({ kind: "confirm", item })}
+                >
+                  <Check />
+                  <span className="hidden sm:inline">{t.actions.confirm}</span>
+                </Button>
+                <DropdownMenu modal={false}>
+                  <DropdownMenuTrigger asChild>
+                    <Button size="icon-sm" variant="ghost" aria-label={t.actions.more}>
+                      <EllipsisVertical />
+                    </Button>
+                  </DropdownMenuTrigger>
+                  <DropdownMenuContent align="end">
+                    <DropdownMenuItem onSelect={() => setPending({ kind: "postpone", item })}>
+                      <CalendarClock />
+                      {t.actions.postpone}
+                    </DropdownMenuItem>
+                    <DropdownMenuItem onSelect={() => skip(item)}>
+                      <SkipForward />
+                      {t.actions.skip}
+                    </DropdownMenuItem>
+                    <DropdownMenuItem
+                      onSelect={() =>
+                        item.recurringRuleId
+                          ? setPending({ kind: "scope", item })
+                          : void editScope(item, "one")
+                      }
+                    >
+                      <Pencil />
+                      {t.actions.edit}
+                    </DropdownMenuItem>
+                    {item.recurringRuleId ? (
+                      <>
+                        <DropdownMenuSeparator />
+                        <DropdownMenuItem
+                          variant="destructive"
+                          onSelect={() =>
+                            setPending({ kind: "delete", ruleId: item.recurringRuleId!, item })
+                          }
+                        >
+                          <Trash2 />
+                          {t.actions.delete}
+                        </DropdownMenuItem>
+                      </>
+                    ) : null}
+                  </DropdownMenuContent>
+                </DropdownMenu>
+              </span>
+            ) : null}
+          </li>
+        ))}
+      </ul>
+    );
+
+  return (
+    <div className="flex flex-col gap-4">
+      {canWrite ? (
+        <div className="flex justify-end">
+          <Button onClick={() => setRuleForm({ kind: "create" })}>
+            <Plus />
+            {t.newRule}
+          </Button>
+        </div>
+      ) : null}
+      <Tabs value={tab} onValueChange={setTab}>
+        <TabsList>
+          <TabsTrigger value="overdue">
+            {t.tabs.overdue}
+            {data.overdue.length ? (
+              <Badge variant="destructive" className="ml-1">
+                {data.overdue.length}
+              </Badge>
+            ) : null}
+          </TabsTrigger>
+          <TabsTrigger value="upcoming">{t.tabs.upcoming}</TabsTrigger>
+          <TabsTrigger value="rules">{t.tabs.rules}</TabsTrigger>
+        </TabsList>
+        <TabsContent value="overdue" className="mt-3">
+          {itemList(data.overdue, t.empty.overdue)}
+        </TabsContent>
+        <TabsContent value="upcoming" className="mt-3">
+          {itemList(data.upcoming, t.empty.upcoming)}
+        </TabsContent>
+        <TabsContent value="rules" className="mt-3">
+          {data.rules.length === 0 ? (
+            <Card>
+              <CardHeader>
+                <CardDescription>{t.empty.rules}</CardDescription>
+              </CardHeader>
+            </Card>
+          ) : (
+            <ul className="divide-y rounded-xl border bg-card">
+              {data.rules.map((rule) => (
+                <li key={rule.id} className="flex items-center gap-3 p-3">
+                  <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-muted text-muted-foreground">
+                    <Repeat className="size-4.5" />
+                  </span>
+                  <span className="min-w-0 flex-1">
+                    <span className="flex items-center gap-1.5">
+                      <span className="truncate font-medium">{rule.title}</span>
+                      {rule.isEstimate ? <Badge variant="secondary">{t.estimate}</Badge> : null}
+                    </span>
+                    <span className="block truncate text-xs text-muted-foreground">
+                      {rule.recurrence} ·{" "}
+                      {rule.toAccount ? `${rule.account} → ${rule.toAccount}` : rule.account}
+                      {rule.nextDate ? ` · ${t.next(dateLabel(rule.nextDate))}` : ""}
+                      {rule.remaining !== null
+                        ? ` · ${t.remaining(rule.remaining)}`
+                        : ` · ${t.endless}`}
+                    </span>
+                  </span>
+                  <Amount type={rule.type} amountMinor={rule.amountMinor} />
+                  {canWrite ? (
+                    <DropdownMenu modal={false}>
+                      <DropdownMenuTrigger asChild>
+                        <Button size="icon-sm" variant="ghost" aria-label={t.actions.more}>
+                          <EllipsisVertical />
+                        </Button>
+                      </DropdownMenuTrigger>
+                      <DropdownMenuContent align="end">
+                        <DropdownMenuItem onSelect={() => void editRule(rule)}>
+                          <Pencil />
+                          {t.actions.edit}
+                        </DropdownMenuItem>
+                        <DropdownMenuItem
+                          variant="destructive"
+                          onSelect={() => setPending({ kind: "delete", ruleId: rule.id })}
+                        >
+                          <Trash2 />
+                          {t.actions.delete}
+                        </DropdownMenuItem>
+                      </DropdownMenuContent>
+                    </DropdownMenu>
+                  ) : null}
+                </li>
+              ))}
+            </ul>
+          )}
+        </TabsContent>
+      </Tabs>
+
+      <ConfirmDialog
+        item={pending?.kind === "confirm" ? pending.item : null}
+        onClose={() => setPending(null)}
+      />
+      <PostponeDialog
+        item={pending?.kind === "postpone" ? pending.item : null}
+        onClose={() => setPending(null)}
+      />
+      <ScopeDialog
+        item={pending?.kind === "scope" ? pending.item : null}
+        onClose={() => setPending(null)}
+        onPick={(item, scope) => void editScope(item, scope)}
+      />
+      <DeleteDialog
+        target={pending?.kind === "delete" ? pending : null}
+        onClose={() => setPending(null)}
+      />
+      <RuleFormDialog mode={ruleForm} onOpenChange={(o) => !o && setRuleForm(null)} />
+    </div>
+  );
+}
+
+function ConfirmDialog({ item, onClose }: { item: PlannedItem | null; onClose: () => void }) {
+  return item ? <ConfirmForm key={item.id} item={item} onClose={onClose} /> : null;
+}
+
+function ConfirmForm({ item, onClose }: { item: PlannedItem; onClose: () => void }) {
+  const today = todayIstanbul();
+  const [amount, setAmount] = useState(formatMoneyInput(item.amountMinor));
+  // Gelecekteki kaydı erken onaylarken bugünün tarihi; geçmiştekini kendi tarihiyle.
+  const [date, setDate] = useState(item.date > today ? today : item.date);
+  const [errors, setErrors] = useState<Record<string, string | undefined>>({});
+  const [busy, setBusy] = useState(false);
+
+  async function submit() {
+    setBusy(true);
+    const r = await confirmOccurrenceAction(item.id, { amount, date });
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.confirmed);
+      onClose();
+    } else setErrors({ ...r.fieldErrors, root: r.fieldErrors ? undefined : r.error });
+  }
+
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={`${t.confirmTitle}: ${rowTitle(item)}`}
+      description={t.confirmDescription}
+      footer={
+        <>
+          <Button variant="outline" onClick={onClose}>
+            {tr.common.cancel}
+          </Button>
+          <Button onClick={submit} disabled={busy}>
+            {busy ? <Loader2 className="animate-spin" /> : <Check />}
+            {t.actions.confirm}
+          </Button>
+        </>
+      }
+    >
+      <FieldGroup>
+        <Field data-invalid={Boolean(errors.amount)}>
+          <FieldLabel htmlFor="confirm-amount">{tr.transactions.fields.amount}</FieldLabel>
+          <MoneyInput id="confirm-amount" value={amount} onChange={setAmount} autoFocus />
+          {errors.amount ? <FieldError>{errors.amount}</FieldError> : null}
+        </Field>
+        <Field data-invalid={Boolean(errors.date)}>
+          <FieldLabel htmlFor="confirm-date">{tr.transactions.fields.date}</FieldLabel>
+          <Input
+            id="confirm-date"
+            type="date"
+            value={date}
+            onChange={(e) => setDate(e.target.value)}
+          />
+          {errors.date ? <FieldError>{errors.date}</FieldError> : null}
+        </Field>
+        {item.isEstimate ? (
+          <p className="text-xs text-muted-foreground">
+            {t.estimate}: {formatMoney(item.amountMinor)}
+          </p>
+        ) : null}
+        {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+      </FieldGroup>
+    </ResponsiveDialog>
+  );
+}
+
+function PostponeDialog({ item, onClose }: { item: PlannedItem | null; onClose: () => void }) {
+  return item ? <PostponeForm key={item.id} item={item} onClose={onClose} /> : null;
+}
+
+function PostponeForm({ item, onClose }: { item: PlannedItem; onClose: () => void }) {
+  const base = item.date > todayIstanbul() ? item.date : todayIstanbul();
+  const [date, setDate] = useState(addDays(base, 7));
+  const [error, setError] = useState<string | null>(null);
+  const [busy, setBusy] = useState(false);
+
+  async function submit() {
+    setBusy(true);
+    const r = await postponeOccurrenceAction(item.id, date);
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.postponed);
+      onClose();
+    } else setError(r.fieldErrors?.date ?? r.error);
+  }
+
+  return (
+    <ResponsiveDialog
+      open
+      onOpenChange={(o) => !o && onClose()}
+      title={`${t.postponeTitle}: ${rowTitle(item)}`}
+      footer={
+        <>
+          <Button variant="outline" onClick={onClose}>
+            {tr.common.cancel}
+          </Button>
+          <Button onClick={submit} disabled={busy}>
+            {busy ? <Loader2 className="animate-spin" /> : <CalendarClock />}
+            {t.actions.postpone}
+          </Button>
+        </>
+      }
+    >
+      <Field data-invalid={Boolean(error)}>
+        <FieldLabel htmlFor="postpone-date">{t.postponeDate}</FieldLabel>
+        <Input
+          id="postpone-date"
+          type="date"
+          value={date}
+          min={addDays(item.date, 1)}
+          onChange={(e) => setDate(e.target.value)}
+        />
+        {error ? <FieldError>{error}</FieldError> : null}
+      </Field>
+    </ResponsiveDialog>
+  );
+}
+
+function ScopeDialog({
+  item,
+  onClose,
+  onPick,
+}: {
+  item: PlannedItem | null;
+  onClose: () => void;
+  onPick: (item: PlannedItem, scope: "one" | "following" | "all") => void;
+}) {
+  return (
+    <ResponsiveDialog
+      open={Boolean(item)}
+      onOpenChange={(o) => !o && onClose()}
+      title={t.scopeTitle}
+    >
+      <div className="flex flex-col gap-2">
+        {(["one", "following", "all"] as const).map((scope) => (
+          <button
+            key={scope}
+            type="button"
+            onClick={() => item && onPick(item, scope)}
+            className="rounded-xl border p-3 text-left outline-none hover:bg-muted/50 focus-visible:ring-2 focus-visible:ring-ring"
+          >
+            <span className="block font-medium">{t.scopes[scope]}</span>
+            <span className="block text-xs text-muted-foreground">{t.scopeHints[scope]}</span>
+          </button>
+        ))}
+      </div>
+    </ResponsiveDialog>
+  );
+}
+
+function DeleteDialog({
+  target,
+  onClose,
+}: {
+  target: { ruleId: string; item?: PlannedItem } | null;
+  onClose: () => void;
+}) {
+  const [busy, setBusy] = useState(false);
+  async function run(scope: "all" | "following") {
+    if (!target) return;
+    setBusy(true);
+    const r = await deleteRuleAction(target.ruleId, scope, target.item?.id);
+    setBusy(false);
+    if (r.ok) {
+      toast.success(t.toast.deleted);
+      onClose();
+    } else toast.error(r.error);
+  }
+  return (
+    <AlertDialog open={Boolean(target)} onOpenChange={(o) => !o && onClose()}>
+      <AlertDialogContent>
+        <AlertDialogHeader>
+          <AlertDialogTitle>{t.deleteTitle}</AlertDialogTitle>
+          <AlertDialogDescription>{t.deleteDescription}</AlertDialogDescription>
+        </AlertDialogHeader>
+        <AlertDialogFooter>
+          <AlertDialogCancel>{tr.common.cancel}</AlertDialogCancel>
+          {target?.item ? (
+            <Button variant="outline" disabled={busy} onClick={() => run("following")}>
+              {t.deleteScopes.following}
+            </Button>
+          ) : null}
+          <Button variant="destructive" disabled={busy} onClick={() => run("all")}>
+            {t.deleteScopes.all}
+          </Button>
+        </AlertDialogFooter>
+      </AlertDialogContent>
+    </AlertDialog>
+  );
+}

src/features/recurring/components/rule-form.tsx

@@ -0,0 +1,538 @@
+"use client";
+
+import { zodResolver } from "@hookform/resolvers/zod";
+import { Loader2 } from "lucide-react";
+import { useEffect, useMemo, useState } from "react";
+import { Controller, useForm, useWatch, type Resolver } from "react-hook-form";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import { Button } from "@/components/ui/button";
+import { Checkbox } from "@/components/ui/checkbox";
+import { Field, FieldDescription, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { Skeleton } from "@/components/ui/skeleton";
+import { Tabs, TabsList, TabsTrigger } from "@/components/ui/tabs";
+import { getTransactionFormOptionsAction } from "@/features/transactions/actions";
+import {
+  AccountSelect,
+  CategorySelect,
+  PayeeInput,
+} from "@/features/transactions/components/transaction-form";
+import type { TransactionFormOptions } from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import { todayIstanbul } from "@/shared/dates";
+import { formatDate } from "@/shared/format";
+import { formatMoneyInput } from "@/shared/money";
+import {
+  describeRecurrence,
+  FREQUENCIES,
+  listOccurrences,
+  MONTHLY_MODES,
+  type Frequency,
+  type MonthlyMode,
+} from "@/shared/recurrence";
+import {
+  END_KINDS,
+  recurringRuleFormSchema,
+  type RecurringRuleForm,
+} from "@/shared/schemas/recurring";
+import { TRANSACTION_TYPES, type TransactionType } from "@/shared/transactions";
+import { createRuleAction, updateRuleAction } from "../actions";
+import type { RuleFormValues } from "../service";
+
+const t = tr.recurring;
+const tf = tr.transactions.fields;
+
+export type RuleFormMode =
+  | { kind: "create" }
+  | {
+      kind: "edit";
+      rule: RuleFormValues;
+      scope: "all" | "following";
+      /** "Bu ve sonrakiler" için başlangıç tekrarı ve onun tarihi / kalan tekrar sayısı. */
+      fromTransactionId?: string;
+      fromDate?: string;
+      remainingCount?: number | null;
+    };
+
+type FormValues = {
+  type: TransactionType;
+  amount: string;
+  isEstimate: boolean;
+  accountId: string;
+  toAccountId: string;
+  categoryId: string;
+  payee: string;
+  description: string;
+  tags: string;
+  startDate: string;
+  frequency: Frequency;
+  interval: string;
+  monthlyMode: MonthlyMode;
+  endKind: (typeof END_KINDS)[number];
+  count: string;
+  endDate: string;
+};
+
+function toValues(mode: RuleFormMode, options: TransactionFormOptions | null): FormValues {
+  if (mode.kind === "create") {
+    return {
+      type: "expense",
+      amount: "",
+      isEstimate: false,
+      accountId: options?.accounts[0]?.id ?? "",
+      toAccountId: "",
+      categoryId: "",
+      payee: "",
+      description: "",
+      tags: "",
+      startDate: todayIstanbul(),
+      frequency: "monthly",
+      interval: "1",
+      monthlyMode: "day",
+      endKind: "never",
+      count: "",
+      endDate: "",
+    };
+  }
+  const r = mode.rule;
+  const following = mode.scope === "following" && mode.fromDate;
+  const count = following ? (mode.remainingCount ?? null) : r.count;
+  return {
+    type: r.type,
+    amount: formatMoneyInput(r.amountMinor),
+    isEstimate: r.isEstimate,
+    accountId: r.accountId,
+    toAccountId: r.toAccountId ?? "",
+    categoryId: r.categoryId ?? "",
+    payee: r.payee,
+    description: r.description,
+    tags: r.tags.join(", "),
+    startDate: following ? mode.fromDate! : r.startDate,
+    frequency: r.frequency,
+    interval: String(r.interval),
+    monthlyMode: r.monthlyMode,
+    endKind: count ? "count" : r.endDate ? "date" : "never",
+    count: count ? String(count) : "",
+    endDate: r.endDate ?? "",
+  };
+}
+
+/** Düzenli işlem kuralı formu (oluştur / tümünü düzenle / bu ve sonrakileri düzenle). */
+export function RuleFormDialog({
+  mode,
+  onOpenChange,
+}: {
+  mode: RuleFormMode | null;
+  onOpenChange: (open: boolean) => void;
+}) {
+  const [options, setOptions] = useState<TransactionFormOptions | null>(null);
+  const [loadError, setLoadError] = useState<string | null>(null);
+  const form = useForm<FormValues, unknown, RecurringRuleForm>({
+    resolver: zodResolver(recurringRuleFormSchema) as unknown as Resolver<
+      FormValues,
+      unknown,
+      RecurringRuleForm
+    >,
+    defaultValues: toValues({ kind: "create" }, null),
+  });
+
+  useEffect(() => {
+    if (!mode) return;
+    let cancelled = false;
+    getTransactionFormOptionsAction().then((res) => {
+      if (cancelled) return;
+      if (!res.ok) return setLoadError(res.error);
+      setLoadError(null);
+      setOptions(res.data);
+      form.reset(toValues(mode, res.data));
+    });
+    return () => {
+      cancelled = true;
+    };
+  }, [mode, form]);
+
+  const w = useWatch({ control: form.control });
+  const type = w.type ?? "expense";
+  const categories = useMemo(() => {
+    const kind = type === "income" ? "income" : "expense";
+    return (options?.categories ?? []).filter((c) => c.kind === kind);
+  }, [options, type]);
+
+  // Önizleme: açıklama ve ilk 3 tarih (istemcide aynı saf fonksiyonla).
+  const preview = useMemo(() => {
+    const interval = Math.min(12, Math.max(1, Number(w.interval) || 1));
+    const r = {
+      frequency: w.frequency ?? "monthly",
+      interval,
+      monthlyMode: w.monthlyMode ?? "day",
+      startDate: w.startDate ?? todayIstanbul(),
+      endDate: w.endKind === "date" && w.endDate ? w.endDate : null,
+      count: w.endKind === "count" && Number(w.count) > 0 ? Number(w.count) : null,
+    } as const;
+    if (!/^\d{4}-\d{2}-\d{2}$/.test(r.startDate)) return null;
+    return {
+      text: describeRecurrence(r),
+      dates: listOccurrences(r, "9999-12-31")
+        .slice(0, 3)
+        .map((o) => o.date),
+    };
+  }, [w]);
+
+  function changeType(next: TransactionType) {
+    form.setValue("type", next);
+    form.setValue("categoryId", "");
+    if (next !== "transfer") form.setValue("toAccountId", "");
+    form.clearErrors();
+  }
+
+  async function onSubmit() {
+    if (!mode) return;
+    const values = form.getValues();
+    const payload = {
+      ...values,
+      toAccountId: values.type === "transfer" ? values.toAccountId : "",
+      categoryId: values.type === "transfer" ? "" : values.categoryId,
+      count: values.endKind === "count" ? values.count : null,
+      endDate: values.endKind === "date" ? values.endDate : null,
+    };
+    const result =
+      mode.kind === "edit"
+        ? await updateRuleAction(mode.rule.id, payload, mode.scope, mode.fromTransactionId)
+        : await createRuleAction(payload);
+    if (result.ok) {
+      toast.success(mode.kind === "edit" ? t.toast.updated : t.toast.created);
+      onOpenChange(false);
+      return;
+    }
+    for (const [name, message] of Object.entries(result.fieldErrors ?? {})) {
+      if (message) form.setError(name as keyof FormValues, { message });
+    }
+    if (!result.fieldErrors) form.setError("root", { message: result.error });
+  }
+
+  const loading = Boolean(mode) && !options && !loadError;
+  const errors = form.formState.errors;
+  const title = mode?.kind === "edit" ? `${t.editTitle} · ${t.scopes[mode.scope]}` : t.createTitle;
+
+  return (
+    <ResponsiveDialog
+      open={Boolean(mode)}
+      onOpenChange={onOpenChange}
+      title={title}
+      description={mode?.kind === "edit" ? t.scopeHints[mode.scope] : undefined}
+      footer={
+        loadError ? null : (
+          <>
+            <Button variant="outline" type="button" onClick={() => onOpenChange(false)}>
+              {tr.common.cancel}
+            </Button>
+            <Button
+              type="submit"
+              form="rule-form"
+              disabled={form.formState.isSubmitting || loading}
+            >
+              {form.formState.isSubmitting ? <Loader2 className="animate-spin" /> : null}
+              {tr.common.save}
+            </Button>
+          </>
+        )
+      }
+    >
+      {loadError ? (
+        <p className="text-sm text-destructive">{loadError}</p>
+      ) : loading || !options ? (
+        <div className="flex flex-col gap-4" role="status" aria-label={tr.common.loading}>
+          <Skeleton className="h-9 w-full" />
+          <Skeleton className="h-9 w-full" />
+          <Skeleton className="h-9 w-full" />
+        </div>
+      ) : (
+        <form id="rule-form" onSubmit={form.handleSubmit(onSubmit)} noValidate>
+          <FieldGroup>
+            <Tabs value={type} onValueChange={(v) => changeType(v as TransactionType)}>
+              <TabsList className="w-full">
+                {TRANSACTION_TYPES.map((x) => (
+                  <TabsTrigger key={x} value={x} className="flex-1">
+                    {tr.transactions.types[x]}
+                  </TabsTrigger>
+                ))}
+              </TabsList>
+            </Tabs>
+
+            <Controller
+              name="amount"
+              control={form.control}
+              render={({ field, fieldState }) => (
+                <Field data-invalid={fieldState.invalid}>
+                  <FieldLabel htmlFor="rule-amount">{tf.amount}</FieldLabel>
+                  <MoneyInput
+                    id="rule-amount"
+                    value={field.value}
+                    onChange={field.onChange}
+                    onBlur={field.onBlur}
+                    aria-invalid={fieldState.invalid}
+                  />
+                  {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                </Field>
+              )}
+            />
+            <Controller
+              name="isEstimate"
+              control={form.control}
+              render={({ field }) => (
+                <label className="-mt-2 flex items-center gap-2 text-sm">
+                  <Checkbox
+                    checked={field.value}
+                    onCheckedChange={(v) => field.onChange(v === true)}
+                  />
+                  {t.fields.estimate}
+                </label>
+              )}
+            />
+
+            <Controller
+              name="accountId"
+              control={form.control}
+              render={({ field, fieldState }) => (
+                <Field data-invalid={fieldState.invalid}>
+                  <FieldLabel htmlFor="rule-account">
+                    {type === "transfer" ? tf.fromAccount : tf.account}
+                  </FieldLabel>
+                  <AccountSelect
+                    id="rule-account"
+                    value={field.value}
+                    onChange={field.onChange}
+                    accounts={options.accounts}
+                    invalid={fieldState.invalid}
+                  />
+                  {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                </Field>
+              )}
+            />
+            {type === "transfer" ? (
+              <Controller
+                name="toAccountId"
+                control={form.control}
+                render={({ field, fieldState }) => (
+                  <Field data-invalid={fieldState.invalid}>
+                    <FieldLabel htmlFor="rule-to">{tf.toAccount}</FieldLabel>
+                    <AccountSelect
+                      id="rule-to"
+                      value={field.value}
+                      onChange={field.onChange}
+                      accounts={options.accounts}
+                      exclude={w.accountId}
+                      invalid={fieldState.invalid}
+                    />
+                    {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                  </Field>
+                )}
+              />
+            ) : (
+              <Controller
+                name="categoryId"
+                control={form.control}
+                render={({ field, fieldState }) => (
+                  <Field data-invalid={fieldState.invalid}>
+                    <FieldLabel htmlFor="rule-category">{tf.category}</FieldLabel>
+                    <CategorySelect
+                      id="rule-category"
+                      value={field.value}
+                      onChange={field.onChange}
+                      options={categories}
+                      appearance={options.categoryAppearance}
+                      invalid={fieldState.invalid}
+                    />
+                    {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                  </Field>
+                )}
+              />
+            )}
+            <Controller
+              name="payee"
+              control={form.control}
+              render={({ field }) => (
+                <Field>
+                  <FieldLabel htmlFor="tx-payee">{tf.payee}</FieldLabel>
+                  <PayeeInput value={field.value} onChange={field.onChange} onPick={() => {}} />
+                </Field>
+              )}
+            />
+            <Controller
+              name="description"
+              control={form.control}
+              render={({ field }) => (
+                <Field>
+                  <FieldLabel htmlFor="rule-description">{tf.description}</FieldLabel>
+                  <Input {...field} id="rule-description" />
+                </Field>
+              )}
+            />
+
+            <div className="grid grid-cols-2 gap-3">
+              <Controller
+                name="startDate"
+                control={form.control}
+                render={({ field, fieldState }) => (
+                  <Field data-invalid={fieldState.invalid}>
+                    <FieldLabel htmlFor="rule-start">{t.fields.startDate}</FieldLabel>
+                    <Input
+                      {...field}
+                      id="rule-start"
+                      type="date"
+                      aria-invalid={fieldState.invalid}
+                    />
+                    {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                  </Field>
+                )}
+              />
+              <Controller
+                name="frequency"
+                control={form.control}
+                render={({ field }) => (
+                  <Field>
+                    <FieldLabel htmlFor="rule-frequency">{t.fields.frequency}</FieldLabel>
+                    <Select value={field.value} onValueChange={field.onChange}>
+                      <SelectTrigger id="rule-frequency" className="w-full">
+                        <SelectValue>{t.frequencies[field.value]}</SelectValue>
+                      </SelectTrigger>
+                      <SelectContent>
+                        {FREQUENCIES.map((x) => (
+                          <SelectItem key={x} value={x}>
+                            {t.frequencies[x]}
+                          </SelectItem>
+                        ))}
+                      </SelectContent>
+                    </Select>
+                  </Field>
+                )}
+              />
+            </div>
+            <div className="grid grid-cols-2 gap-3">
+              <Controller
+                name="interval"
+                control={form.control}
+                render={({ field, fieldState }) => (
+                  <Field data-invalid={fieldState.invalid}>
+                    <FieldLabel htmlFor="rule-interval">
+                      {t.fields.interval} ({t.units[w.frequency ?? "monthly"]})
+                    </FieldLabel>
+                    <Input
+                      {...field}
+                      id="rule-interval"
+                      type="number"
+                      inputMode="numeric"
+                      min={1}
+                      max={12}
+                      aria-invalid={fieldState.invalid}
+                    />
+                    {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                  </Field>
+                )}
+              />
+              {w.frequency === "monthly" ? (
+                <Controller
+                  name="monthlyMode"
+                  control={form.control}
+                  render={({ field }) => (
+                    <Field>
+                      <FieldLabel htmlFor="rule-monthly">{t.fields.monthlyMode}</FieldLabel>
+                      <Select value={field.value} onValueChange={field.onChange}>
+                        <SelectTrigger id="rule-monthly" className="w-full">
+                          <SelectValue>{t.monthlyModes[field.value]}</SelectValue>
+                        </SelectTrigger>
+                        <SelectContent>
+                          {MONTHLY_MODES.map((x) => (
+                            <SelectItem key={x} value={x}>
+                              {t.monthlyModes[x]}
+                            </SelectItem>
+                          ))}
+                        </SelectContent>
+                      </Select>
+                    </Field>
+                  )}
+                />
+              ) : null}
+            </div>
+            <div className="grid grid-cols-2 gap-3">
+              <Controller
+                name="endKind"
+                control={form.control}
+                render={({ field }) => (
+                  <Field>
+                    <FieldLabel htmlFor="rule-end">{t.fields.end}</FieldLabel>
+                    <Select value={field.value} onValueChange={field.onChange}>
+                      <SelectTrigger id="rule-end" className="w-full">
+                        <SelectValue>{t.endKinds[field.value]}</SelectValue>
+                      </SelectTrigger>
+                      <SelectContent>
+                        {END_KINDS.map((x) => (
+                          <SelectItem key={x} value={x}>
+                            {t.endKinds[x]}
+                          </SelectItem>
+                        ))}
+                      </SelectContent>
+                    </Select>
+                  </Field>
+                )}
+              />
+              {w.endKind === "count" ? (
+                <Controller
+                  name="count"
+                  control={form.control}
+                  render={({ field, fieldState }) => (
+                    <Field data-invalid={fieldState.invalid}>
+                      <FieldLabel htmlFor="rule-count">{t.fields.count}</FieldLabel>
+                      <Input
+                        {...field}
+                        id="rule-count"
+                        type="number"
+                        inputMode="numeric"
+                        min={1}
+                        aria-invalid={fieldState.invalid}
+                      />
+                      {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                    </Field>
+                  )}
+                />
+              ) : w.endKind === "date" ? (
+                <Controller
+                  name="endDate"
+                  control={form.control}
+                  render={({ field, fieldState }) => (
+                    <Field data-invalid={fieldState.invalid}>
+                      <FieldLabel htmlFor="rule-enddate">{t.fields.endDate}</FieldLabel>
+                      <Input
+                        {...field}
+                        id="rule-enddate"
+                        type="date"
+                        aria-invalid={fieldState.invalid}
+                      />
+                      {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                    </Field>
+                  )}
+                />
+              ) : null}
+            </div>
+            {preview ? (
+              <FieldDescription>
+                {preview.text} · {t.fields.preview}:{" "}
+                {preview.dates.map((d) => formatDate(`${d}T12:00:00+03:00`)).join(", ")}
+              </FieldDescription>
+            ) : null}
+            {errors.root ? <FieldError>{errors.root.message}</FieldError> : null}
+          </FieldGroup>
+        </form>
+      )}
+    </ResponsiveDialog>
+  );
+}

src/features/recurring/service.int.test.ts

@@ -0,0 +1,284 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { listAccounts } from "@/features/accounts/service";
+import {
+  listTransactions,
+  updateTransaction,
+  getTransaction,
+} from "@/features/transactions/service";
+import { AccountModel } from "@/models/account";
+import { CategoryModel } from "@/models/category";
+import { RecurringRuleModel } from "@/models/recurring-rule";
+import { TransactionModel } from "@/models/transaction";
+import { todayIstanbul } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+import { recurringRuleFormSchema, type RecurringRuleFormInput } from "@/shared/schemas/recurring";
+import { transactionFilterSchema } from "@/shared/schemas/transaction";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import {
+  confirmOccurrence,
+  createRule,
+  deleteRule,
+  ensureHorizon,
+  getPlannedOverview,
+  postponeOccurrence,
+  skipOccurrence,
+  updateRule,
+} from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let emre = "";
+let zeynep = "";
+let fatma = "";
+const today = todayIstanbul();
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  zeynep = ids.user("zeynep");
+  fatma = ids.user("fatma");
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+const cat = (key: string) =>
+  CategoryModel.findOne({ householdId: cakir, defaultKey: key })
+    .lean()
+    .then((c) => String(c!._id));
+
+async function form(over: Partial<RecurringRuleFormInput> = {}) {
+  return recurringRuleFormSchema.parse({
+    type: "expense",
+    amount: "1.000,00",
+    accountId: await acc("Ziraat Maaş"),
+    categoryId: await cat("faturalar.elektrik"),
+    payee: "Elektrik",
+    startDate: addDays(today, -40),
+    frequency: "monthly",
+    ...over,
+  });
+}
+
+const occurrences = (ruleId: string) =>
+  TransactionModel.find({ recurringRuleId: ruleId }).sort({ occurrenceIndex: 1 }).lean();
+
+async function balance(accountId: string) {
+  const list = await listAccounts(ayse, cakir);
+  return list!.accounts.find((a) => a.id === accountId)!.balanceMinor!;
+}
+
+describe("kural ve planlı kayıtlar", () => {
+  let ruleId = "";
+
+  it("kural 12 ay ileriye planlı kayıt üretir; planlı kayıtlar bakiyeyi etkilemez", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const before = await balance(ziraat);
+    const r = await createRule(ayse, cakir, await form({ isEstimate: true }));
+    expect(r.ok).toBe(true);
+    ruleId = r.ok ? r.data.id : "";
+    const occ = await occurrences(ruleId);
+    // Başlangıç 40 gün önce: 2 geçmiş + 12 ay ileri (13 ya da 14 kayıt, ay uzunluğuna göre).
+    expect(occ.length).toBeGreaterThanOrEqual(13);
+    expect(occ.every((o) => o.status === "planned" && o.isEstimate)).toBe(true);
+    expect(await balance(ziraat)).toBe(before);
+    expect(await ensureHorizon((await RecurringRuleModel.findById(ruleId))!.householdId)).toBe(0);
+  });
+
+  it("genel bakış: vadesi geçmiş ve yaklaşan; işlem listesi planlıları varsayılan göstermez", async () => {
+    const o = (await getPlannedOverview(ayse, cakir))!;
+    const mine = o.overdue.filter((x) => x.recurringRuleId === ruleId);
+    expect(mine.length).toBeGreaterThanOrEqual(1);
+    expect(o.upcoming.every((x) => x.date >= today)).toBe(true);
+    expect(o.rules.find((x) => x.id === ruleId)).toMatchObject({
+      recurrence: expect.stringContaining("Her ay"),
+      remaining: null,
+    });
+
+    const list = await listTransactions(ayse, cakir, transactionFilterSchema.parse({}));
+    expect(list!.items.some((i) => i.status === "planned")).toBe(false);
+    const planned = await listTransactions(
+      ayse,
+      cakir,
+      transactionFilterSchema.parse({ durum: "planned" }),
+    );
+    expect(planned!.total).toBeGreaterThan(0);
+  });
+
+  it("onayla (tutar/tarih düzeltilerek) bakiyeye yansır; atla iptal eder", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const before = await balance(ziraat);
+    const [first, second] = await occurrences(ruleId);
+    const c = await confirmOccurrence(ayse, cakir, String(first!._id), {
+      amount: 1_234_56,
+      date: today,
+    });
+    expect(c.ok).toBe(true);
+    const posted = (await TransactionModel.findById(first!._id).lean())!;
+    expect(posted).toMatchObject({ status: "posted", amountMinor: 1_234_56, isEstimate: false });
+    expect(await balance(ziraat)).toBe(before - 1_234_56);
+    // İkinci kez onaylanamaz.
+    expect(
+      (await confirmOccurrence(ayse, cakir, String(first!._id), { amount: 1, date: today })).ok,
+    ).toBe(false);
+
+    expect((await skipOccurrence(emre, cakir, String(second!._id))).ok).toBe(true);
+    expect((await TransactionModel.findById(second!._id).lean())!.status).toBe("void");
+    expect(await balance(ziraat)).toBe(before - 1_234_56);
+  });
+
+  it("ertele: tarih ileri alınır, kayıt seriden ayrılır; geçmişe ertelenemez", async () => {
+    const occ = await occurrences(ruleId);
+    const third = occ[2]!;
+    const current = third.date.toISOString();
+    expect((await postponeOccurrence(ayse, cakir, String(third._id), "2000-01-01")).ok).toBe(false);
+    const target = addDays(today, 200);
+    expect((await postponeOccurrence(ayse, cakir, String(third._id), target)).ok).toBe(true);
+    const after = (await TransactionModel.findById(third._id).lean())!;
+    expect(after.detached).toBe(true);
+    expect(after.date.toISOString()).not.toBe(current);
+  });
+
+  it("tümünü güncelle: planlılar yeni tutarla yeniden üretilir; gerçekleşen, atlanan ve ayrılan korunur", async () => {
+    const r = await updateRule(ayse, cakir, ruleId, await form({ amount: "1.500,00" }), "all");
+    expect(r.ok).toBe(true);
+    const occ = await occurrences(ruleId);
+    expect(occ[0]).toMatchObject({ status: "posted", amountMinor: 1_234_56 });
+    expect(occ[1]).toMatchObject({ status: "void" });
+    expect(occ[2]).toMatchObject({ detached: true, amountMinor: 1_000_00 });
+    expect(occ.slice(3).every((o) => o.status === "planned" && o.amountMinor === 1_500_00)).toBe(
+      true,
+    );
+    // Sıra numaraları benzersiz.
+    expect(new Set(occ.map((o) => o.occurrenceIndex)).size).toBe(occ.length);
+  });
+
+  it("bu ve sonrakiler: seri bölünür", async () => {
+    const occ = await occurrences(ruleId);
+    const k = 5;
+    const from = occ.find((o) => o.occurrenceIndex === k)!;
+    const r = await updateRule(
+      ayse,
+      cakir,
+      ruleId,
+      await form({ amount: "2.000,00", startDate: addDays(today, 100) }),
+      "following",
+      String(from._id),
+    );
+    expect(r.ok).toBe(true);
+    const newId = r.ok ? r.data.id : "";
+    expect(newId).not.toBe(ruleId);
+    expect((await RecurringRuleModel.findById(ruleId).lean())!.count).toBe(k);
+    const old = await occurrences(ruleId);
+    expect(old.every((o) => o.occurrenceIndex! < k)).toBe(true);
+    const fresh = await occurrences(newId);
+    expect(fresh.length).toBeGreaterThan(0);
+    expect(fresh.every((o) => o.amountMinor === 2_000_00)).toBe(true);
+  });
+
+  it("tek kaydı düzenlemek (yalnızca bu) kaydı seriden ayırır", async () => {
+    const r = await createRule(
+      ayse,
+      cakir,
+      await form({ startDate: addDays(today, 3), endKind: "count", count: 3 }),
+    );
+    const id = r.ok ? r.data.id : "";
+    const occ = await occurrences(id);
+    expect(occ).toHaveLength(3);
+    const d = (await getTransaction(ayse, cakir, String(occ[1]!._id)))!;
+    expect(d.status).toBe("planned");
+    const u = await updateTransaction(ayse, cakir, d.id, {
+      type: "expense",
+      amount: 777_00,
+      date: d.date,
+      accountId: d.account!.id,
+      toAccountId: null,
+      categoryId: d.categoryId,
+      splits: [],
+      payee: d.payeeName,
+      description: "",
+      tags: [],
+      attachmentIds: [],
+      installments: 1,
+    });
+    expect(u.ok).toBe(true);
+    expect(await TransactionModel.findById(d.id).lean()).toMatchObject({
+      detached: true,
+      status: "planned",
+      amountMinor: 777_00,
+    });
+    // Silme: bu ve sonrakiler (index 1'den) → yalnızca ilk kalır, kural 1 tekrarla biter.
+    expect((await deleteRule(ayse, cakir, id, "following", d.id)).ok).toBe(true);
+    expect(await occurrences(id)).toHaveLength(1);
+    expect((await deleteRule(ayse, cakir, id, "all")).ok).toBe(true);
+    expect(await occurrences(id)).toHaveLength(0);
+    expect((await RecurringRuleModel.findById(id).lean())!.deletedAt).toBeInstanceOf(Date);
+  });
+});
+
+describe("yetki ve izolasyon", () => {
+  it("izleyici kural oluşturamaz/onaylayamaz; hane dışı göremez", async () => {
+    expect((await createRule(zeynep, cakir, await form())).ok).toBe(false);
+    const o = (await getPlannedOverview(zeynep, cakir))!;
+    const any = o.upcoming[0]!;
+    expect((await confirmOccurrence(zeynep, cakir, any.id, { amount: 1, date: today })).ok).toBe(
+      false,
+    );
+    expect(await getPlannedOverview(fatma, cakir)).toBeNull();
+    expect((await skipOccurrence(fatma, cakir, any.id)).ok).toBe(false);
+  });
+
+  it("gizli hesap kuralı ve kayıtları yalnızca sahibine", async () => {
+    const pluxee = await acc("Ayşe — Pluxee");
+    expect(
+      (
+        await createRule(
+          emre,
+          cakir,
+          await form({ accountId: pluxee, startDate: addDays(today, 1) }),
+        )
+      ).ok,
+    ).toBe(false);
+    const r = await createRule(
+      ayse,
+      cakir,
+      await form({ accountId: pluxee, startDate: addDays(today, 1), payee: "Gizli kural" }),
+    );
+    const id = r.ok ? r.data.id : "";
+    const mine = (await getPlannedOverview(ayse, cakir))!;
+    expect(mine.rules.some((x) => x.id === id)).toBe(true);
+    const theirs = (await getPlannedOverview(emre, cakir))!;
+    expect(theirs.rules.some((x) => x.id === id)).toBe(false);
+    expect(theirs.upcoming.some((x) => x.recurringRuleId === id)).toBe(false);
+    expect((await deleteRule(emre, cakir, id, "all")).ok).toBe(false);
+  });
+
+  it("form doğrulaması: bitiş tarihi başlangıçtan önce olamaz; transferde hedef hesap", () => {
+    expect(
+      recurringRuleFormSchema.safeParse({
+        type: "expense",
+        amount: "10",
+        accountId: "a".repeat(24),
+        categoryId: "b".repeat(24),
+        startDate: "2026-05-01",
+        frequency: "monthly",
+        endKind: "date",
+        endDate: "2026-04-01",
+      }).success,
+    ).toBe(false);
+    expect(
+      recurringRuleFormSchema.safeParse({
+        type: "transfer",
+        amount: "10",
+        accountId: "a".repeat(24),
+        startDate: "2026-05-01",
+        frequency: "monthly",
+      }).success,
+    ).toBe(false);
+  });
+});

src/features/recurring/service.ts

@@ -0,0 +1,609 @@
+import "server-only";
+import mongoose, { Types, type ClientSession } from "mongoose";
+import {
+  baseFilter,
+  buildDoc,
+  loadContext,
+  loadOwnTransaction,
+  toItem,
+  touchPayee,
+  userNames,
+  type Ctx,
+  type LeanTx,
+  type TransactionListItem,
+} from "@/features/transactions/service";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { writeAudit } from "@/lib/audit";
+import { toObjectId } from "@/lib/object-id";
+import { RecurringRuleModel } from "@/models/recurring-rule";
+import { TransactionModel } from "@/models/transaction";
+import {
+  addDays,
+  describeRecurrence,
+  horizonDate,
+  listOccurrences,
+  type Recurrence,
+} from "@/shared/recurrence";
+import type { ConfirmOccurrenceForm, RecurringRuleForm } from "@/shared/schemas/recurring";
+import type { TransactionForm } from "@/shared/schemas/transaction";
+import { istanbulDayStart, todayIstanbul, toIstanbulYmd } from "@/shared/dates";
+import { foldTr } from "@/shared/search";
+import type { TransactionType } from "@/shared/transactions";
+
+/**
+ * Planlı ve düzenli işlemler (Bölüm 6.7). Okuma: viewer; yazma: member.
+ * Planlı kayıtlar bakiyeyi etkilemez; "Onayla" ile posted olur. Gizli hesap kuralları ve
+ * kayıtları işlemlerle aynı kuralla yalnızca hesap sahibine görünür.
+ */
+
+const t = tr.recurring;
+/** "Yaklaşan" listesinin kapsadığı gün sayısı. */
+export const UPCOMING_DAYS = 60;
+
+type RuleDoc = {
+  _id: Types.ObjectId;
+  householdId: Types.ObjectId;
+  type: TransactionType;
+  amountMinor: number;
+  isEstimate: boolean;
+  accountId: Types.ObjectId;
+  toAccountId?: Types.ObjectId | null;
+  categoryId?: Types.ObjectId | null;
+  payeeName: string;
+  description: string;
+  tags: string[];
+  frequency: Recurrence["frequency"];
+  interval: number;
+  monthlyMode: Recurrence["monthlyMode"];
+  startDate: string;
+  endDate?: string | null;
+  count?: number | null;
+  generatedUntil?: string | null;
+  createdBy: Types.ObjectId;
+  updatedBy: Types.ObjectId;
+};
+
+const toRecurrence = (r: RuleDoc): Recurrence => ({
+  frequency: r.frequency,
+  interval: r.interval,
+  monthlyMode: r.monthlyMode,
+  startDate: r.startDate,
+  endDate: r.endDate ?? null,
+  count: r.count ?? null,
+});
+
+function asTransactionForm(input: RecurringRuleForm): TransactionForm {
+  return {
+    type: input.type,
+    amount: input.amount,
+    date: input.startDate,
+    accountId: input.accountId,
+    toAccountId: input.toAccountId,
+    categoryId: input.type === "transfer" ? null : input.categoryId,
+    splits: [],
+    payee: input.payee,
+    description: input.description,
+    tags: input.tags,
+    attachmentIds: [],
+    installments: 1,
+  };
+}
+
+/** Form → kural alanları (doğrulanmış işlem şablonu + tekrar). */
+function ruleFields(ctx: Ctx, input: RecurringRuleForm, existing?: RuleDoc) {
+  const built = buildDoc(ctx, asTransactionForm(input), existing);
+  if (!built.ok) return built;
+  const d = built.data as {
+    type: TransactionType;
+    accountId: Types.ObjectId;
+    toAccountId: Types.ObjectId | null;
+    categoryId: Types.ObjectId | null;
+    amountMinor: number;
+    payeeName: string;
+    description: string;
+    tags: string[];
+  };
+  return ok({
+    type: d.type,
+    amountMinor: d.amountMinor,
+    isEstimate: input.isEstimate,
+    accountId: d.accountId,
+    toAccountId: d.toAccountId,
+    categoryId: d.categoryId,
+    payeeName: d.payeeName,
+    description: d.description,
+    tags: d.tags,
+    frequency: input.frequency,
+    interval: input.interval,
+    monthlyMode: input.monthlyMode,
+    startDate: input.startDate,
+    endDate: input.endDate,
+    count: input.count,
+  });
+}
+
+/** Kuralın ufka kadar eksik planlı kayıtlarını üretir (mevcut sıra numaraları atlanır). */
+async function generate(rule: RuleDoc, today: string, session?: ClientSession): Promise<number> {
+  const until = horizonDate(today);
+  const occurrences = listOccurrences(toRecurrence(rule), until);
+  const existing = new Set(
+    (
+      await TransactionModel.find(
+        { recurringRuleId: rule._id },
+        { occurrenceIndex: 1 },
+        { session },
+      ).lean()
+    ).map((x) => x.occurrenceIndex),
+  );
+  const missing = occurrences.filter((o) => !existing.has(o.index));
+  if (missing.length) {
+    const docs = missing.map((o) => ({
+      householdId: rule.householdId,
+      type: rule.type,
+      status: "planned",
+      date: istanbulDayStart(o.date)!,
+      accountId: rule.accountId,
+      toAccountId: rule.toAccountId ?? null,
+      amountMinor: rule.amountMinor,
+      categoryId: rule.categoryId ?? null,
+      splits: [],
+      effectiveCategoryIds: rule.categoryId ? [rule.categoryId] : [],
+      payeeName: rule.payeeName,
+      description: rule.description,
+      searchText: foldTr(`${rule.payeeName} ${rule.description}`),
+      tags: rule.tags,
+      isEstimate: rule.isEstimate,
+      recurringRuleId: rule._id,
+      occurrenceIndex: o.index,
+      createdBy: rule.createdBy,
+      updatedBy: rule.updatedBy,
+    }));
+    try {
+      await TransactionModel.insertMany(docs, { session, ordered: false });
+    } catch (error) {
+      // Eşzamanlı üretim: benzersiz index kopyayı reddeder (transaction dışında).
+      if (session || (error as { code?: number }).code !== 11000) throw error;
+    }
+  }
+  await RecurringRuleModel.updateOne(
+    { _id: rule._id },
+    { $set: { generatedUntil: until } },
+    { session },
+  );
+  return missing.length;
+}
+
+/** Hanedeki kuralların ufkunu ilerletir (okuma sırasında; zamanlanmış görev gerekmez). */
+export async function ensureHorizon(householdId: Types.ObjectId, today = todayIstanbul()) {
+  const until = horizonDate(today);
+  const rules = await RecurringRuleModel.find({
+    householdId,
+    deletedAt: null,
+    $or: [{ generatedUntil: null }, { generatedUntil: { $lt: until } }],
+  }).lean<RuleDoc[]>();
+  let created = 0;
+  for (const rule of rules) created += await generate(rule, today);
+  return created;
+}
+
+function ruleVisible(ctx: Ctx, rule: Pick<RuleDoc, "accountId" | "toAccountId">) {
+  return [rule.accountId, rule.toAccountId]
+    .filter(Boolean)
+    .every((id) => !ctx.accountMap.get(String(id))?.hidden);
+}
+
+async function loadRule(ctx: Ctx, ruleId: string, session?: ClientSession) {
+  const id = toObjectId(ruleId);
+  if (!id) return null;
+  const rule = await RecurringRuleModel.findOne(
+    { _id: id, householdId: ctx.m.householdId, deletedAt: null },
+    null,
+    { session },
+  ).lean<RuleDoc>();
+  return rule && ruleVisible(ctx, rule) ? rule : null;
+}
+
+/** "Bu ve sonrakiler" için başlangıç tekrarı (kurala ait olmalı). */
+async function occurrenceIndexOf(rule: RuleDoc, transactionId: string | undefined) {
+  const id = transactionId ? toObjectId(transactionId) : null;
+  if (!id) return null;
+  const tx = await TransactionModel.findOne(
+    { _id: id, recurringRuleId: rule._id, householdId: rule.householdId },
+    { occurrenceIndex: 1 },
+  ).lean();
+  return tx?.occurrenceIndex ?? null;
+}
+
+// --- Kural yazma ---
+
+export async function createRule(
+  actorId: string,
+  householdId: string,
+  input: RecurringRuleForm,
+): Promise<ActionResult<{ id: string; generated: number }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const fields = ruleFields(ctx, input);
+  if (!fields.ok) return fields;
+  const actor = new Types.ObjectId(actorId);
+  let out = { id: "", generated: 0 };
+  await mongoose.connection.transaction(async (session) => {
+    const [rule] = await RecurringRuleModel.create(
+      [{ ...fields.data, householdId: ctx.m.householdId, createdBy: actor, updatedBy: actor }],
+      { session },
+    );
+    const generated = await generate(rule!.toObject() as RuleDoc, todayIstanbul(), session);
+    out = { id: String(rule!._id), generated };
+  });
+  return ok(out);
+}
+
+/**
+ * Seri düzenleme. "all": kural güncellenir, seriden ayrılmamış planlı kayıtlar yeniden üretilir
+ * (gerçekleşmiş/atlanmış kayıtlar korunur). "following": seri bu tekrardan bölünür — eski kural
+ * önceki tekrarda biter, yeni kural bu tekrardan itibaren yeni değerlerle başlar.
+ */
+export async function updateRule(
+  actorId: string,
+  householdId: string,
+  ruleId: string,
+  input: RecurringRuleForm,
+  scope: "all" | "following",
+  fromTransactionId?: string,
+): Promise<ActionResult<{ id: string }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const rule = await loadRule(ctx, ruleId);
+  if (!rule) return fail(tr.common.notFound);
+  const fields = ruleFields(ctx, input, rule);
+  if (!fields.ok) return fields;
+  const actor = new Types.ObjectId(actorId);
+  const from = scope === "following" ? await occurrenceIndexOf(rule, fromTransactionId) : 0;
+  if (from === null) return fail(tr.common.notFound);
+  const today = todayIstanbul();
+  let id = String(rule._id);
+
+  await mongoose.connection.transaction(async (session) => {
+    if (from === 0) {
+      await RecurringRuleModel.updateOne(
+        { _id: rule._id },
+        { $set: { ...fields.data, generatedUntil: null, updatedBy: actor } },
+        { session },
+      );
+      await TransactionModel.deleteMany(
+        {
+          recurringRuleId: rule._id,
+          status: "planned",
+          ...(scope === "all" ? { detached: false } : {}),
+        },
+        { session },
+      );
+      const fresh = await RecurringRuleModel.findById(rule._id, null, { session }).lean<RuleDoc>();
+      await generate(fresh!, today, session);
+      return;
+    }
+    // Böl: eski kural `from` tekrarından önce biter.
+    await RecurringRuleModel.updateOne(
+      { _id: rule._id },
+      { $set: { count: from, updatedBy: actor } },
+      { session },
+    );
+    await TransactionModel.deleteMany(
+      { recurringRuleId: rule._id, status: "planned", occurrenceIndex: { $gte: from } },
+      { session },
+    );
+    const [next] = await RecurringRuleModel.create(
+      [{ ...fields.data, householdId: ctx.m.householdId, createdBy: actor, updatedBy: actor }],
+      { session },
+    );
+    id = String(next!._id);
+    await generate(next!.toObject() as RuleDoc, today, session);
+  });
+  return ok({ id });
+}
+
+export async function deleteRule(
+  actorId: string,
+  householdId: string,
+  ruleId: string,
+  scope: "all" | "following",
+  fromTransactionId?: string,
+): Promise<ActionResult<{ removed: number }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const rule = await loadRule(ctx, ruleId);
+  if (!rule) return fail(tr.common.notFound);
+  const from = scope === "following" ? await occurrenceIndexOf(rule, fromTransactionId) : 0;
+  if (from === null) return fail(tr.common.notFound);
+  const actor = new Types.ObjectId(actorId);
+  let removed = 0;
+  await mongoose.connection.transaction(async (session) => {
+    const res = await TransactionModel.deleteMany(
+      { recurringRuleId: rule._id, status: "planned", occurrenceIndex: { $gte: from } },
+      { session },
+    );
+    removed = res.deletedCount;
+    await RecurringRuleModel.updateOne(
+      { _id: rule._id },
+      from === 0
+        ? { $set: { deletedAt: new Date(), updatedBy: actor } }
+        : { $set: { count: from, updatedBy: actor } },
+      { session },
+    );
+    await writeAudit(
+      {
+        action: "recurring.delete",
+        actorId: actor,
+        householdId: ctx.m.householdId,
+        targetType: "recurringRule",
+        targetId: String(rule._id),
+        diff: { scope, fromIndex: from, removedPlanned: removed },
+      },
+      session,
+    );
+  });
+  return ok({ removed });
+}
+
+// --- Planlı kayıt işlemleri ---
+
+async function loadPlanned(ctx: Ctx, transactionId: string) {
+  const tx = await loadOwnTransaction(ctx, transactionId);
+  return tx && tx.status === "planned" ? tx : null;
+}
+
+/** Onayla: planlı → gerçekleşti; tutar ve tarih düzeltilebilir. */
+export async function confirmOccurrence(
+  actorId: string,
+  householdId: string,
+  transactionId: string,
+  input: ConfirmOccurrenceForm,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const tx = await loadPlanned(ctx, transactionId);
+  if (!tx) return fail(tr.common.notFound);
+  const date = istanbulDayStart(input.date);
+  if (!date) return fail(tr.validation.date, { date: tr.validation.date });
+  if (tx.splits?.length && input.amount !== tx.amountMinor) return fail(t.errors.splitAmount);
+  // Arşivlenmiş/kapalı hesap veya kategoriye bağlı kayıt onaylanamaz.
+  for (const id of [tx.accountId, tx.toAccountId].filter(Boolean)) {
+    const a = ctx.accountMap.get(String(id));
+    if (!a || a.archived) return fail(tr.transactions.validation.accountInvalid);
+  }
+  const payeeId = await touchPayee(
+    ctx.m.householdId,
+    tx.payeeName ?? "",
+    tx.type,
+    // Planlı kayıtlar cari hareketi değildir; kaynak hesap her zaman dolu.
+    tx.accountId!,
+    tx.categoryId ?? null,
+  );
+  await TransactionModel.updateOne(
+    { _id: tx._id, householdId: ctx.m.householdId, status: "planned" },
+    {
+      $set: {
+        status: "posted",
+        amountMinor: input.amount,
+        date,
+        isEstimate: false,
+        payeeId,
+        updatedBy: new Types.ObjectId(actorId),
+      },
+    },
+  );
+  return ok(undefined);
+}
+
+/** Atla: bu tekrar gerçekleşmeyecek (iptal); seri devam eder. */
+export async function skipOccurrence(
+  actorId: string,
+  householdId: string,
+  transactionId: string,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const tx = await loadPlanned(ctx, transactionId);
+  if (!tx) return fail(tr.common.notFound);
+  await TransactionModel.updateOne(
+    { _id: tx._id, householdId: ctx.m.householdId, status: "planned" },
+    { $set: { status: "void", updatedBy: new Types.ObjectId(actorId) } },
+  );
+  return ok(undefined);
+}
+
+/** Ertele: tarihi ileri al (seri tarihleri değişmez; kayıt seriden ayrılır). */
+export async function postponeOccurrence(
+  actorId: string,
+  householdId: string,
+  transactionId: string,
+  ymd: string,
+): Promise<ActionResult> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const tx = await loadPlanned(ctx, transactionId);
+  if (!tx) return fail(tr.common.notFound);
+  const date = istanbulDayStart(ymd);
+  if (!date || ymd <= toIstanbulYmd(tx.date))
+    return fail(t.errors.postponeDate, { date: t.errors.postponeDate });
+  await TransactionModel.updateOne(
+    { _id: tx._id, householdId: ctx.m.householdId, status: "planned" },
+    { $set: { date, detached: true, updatedBy: new Types.ObjectId(actorId) } },
+  );
+  return ok(undefined);
+}
+
+// --- Okuma ---
+
+export type PlannedItem = TransactionListItem & {
+  recurringRuleId: string | null;
+  isEstimate: boolean;
+  /** "3/12" (tekrar sayılı seride). */
+  seriesPosition: string | null;
+};
+
+export type RuleView = {
+  id: string;
+  type: TransactionType;
+  title: string;
+  amountMinor: number;
+  isEstimate: boolean;
+  recurrence: string;
+  account: string;
+  toAccount: string | null;
+  category: string | null;
+  nextDate: string | null;
+  /** Kalan planlı kayıt (tekrar sayılı seride kalan tekrar). */
+  remaining: number | null;
+  startDate: string;
+  endDate: string | null;
+  count: number | null;
+};
+
+export type PlannedOverview = {
+  overdue: PlannedItem[];
+  upcoming: PlannedItem[];
+  rules: RuleView[];
+};
+
+async function plannedItems(ctx: Ctx, filter: Record<string, unknown>, limit = 500) {
+  const rows = (await TransactionModel.find({ ...baseFilter(ctx), status: "planned", ...filter })
+    .sort({ date: 1, createdAt: 1 })
+    .limit(limit)
+    .lean()) as unknown as LeanTx[];
+  const ruleIds = [
+    ...new Set(
+      rows
+        .map((r) => r.recurringRuleId)
+        .filter(Boolean)
+        .map(String),
+    ),
+  ];
+  const rules = await RecurringRuleModel.find({ _id: { $in: ruleIds } }, { count: 1 }).lean();
+  const counts = new Map(rules.map((r) => [String(r._id), r.count ?? null]));
+  const names = await userNames(rows.map((r) => r.createdBy as Types.ObjectId));
+  return rows.map((r): PlannedItem => {
+    const ruleId = r.recurringRuleId ? String(r.recurringRuleId) : null;
+    const count = ruleId ? counts.get(ruleId) : null;
+    return {
+      ...toItem(ctx, r, names),
+      recurringRuleId: ruleId,
+      isEstimate: Boolean(r.isEstimate),
+      seriesPosition:
+        count && r.occurrenceIndex !== null && r.occurrenceIndex !== undefined
+          ? `${r.occurrenceIndex + 1}/${count}`
+          : null,
+    };
+  });
+}
+
+export async function getPlannedOverview(
+  userId: string,
+  householdId: string,
+): Promise<PlannedOverview | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  await ensureHorizon(ctx.m.householdId);
+  const today = todayIstanbul();
+  const todayStart = istanbulDayStart(today)!;
+  const end = istanbulDayStart(addDays(today, UPCOMING_DAYS + 1))!;
+  const [overdue, upcoming, rules] = await Promise.all([
+    plannedItems(ctx, { date: { $lt: todayStart } }),
+    plannedItems(ctx, { date: { $gte: todayStart, $lt: end } }),
+    listRules(ctx),
+  ]);
+  return { overdue, upcoming, rules };
+}
+
+async function listRules(ctx: Ctx): Promise<RuleView[]> {
+  const rules = (
+    await RecurringRuleModel.find({ householdId: ctx.m.householdId, deletedAt: null })
+      .sort({ createdAt: 1 })
+      .lean<RuleDoc[]>()
+  ).filter((r) => ruleVisible(ctx, r));
+  const next = await TransactionModel.aggregate<{
+    _id: Types.ObjectId;
+    date: Date | null;
+    planned: number;
+    done: number;
+  }>([
+    { $match: { recurringRuleId: { $in: rules.map((r) => r._id) }, deletedAt: null } },
+    {
+      $group: {
+        _id: "$recurringRuleId",
+        date: { $min: { $cond: [{ $eq: ["$status", "planned"] }, "$date", null] } },
+        planned: { $sum: { $cond: [{ $eq: ["$status", "planned"] }, 1, 0] } },
+        done: { $sum: { $cond: [{ $eq: ["$status", "planned"] }, 0, 1] } },
+      },
+    },
+  ]);
+  const nextMap = new Map(next.map((x) => [String(x._id), x]));
+  const name = (id?: Types.ObjectId | null) =>
+    id ? (ctx.accountMap.get(String(id))?.name ?? "—") : null;
+  return rules
+    .map((r): RuleView => {
+      const n = nextMap.get(String(r._id));
+      const category = r.categoryId ? ctx.categoryMap.get(String(r.categoryId)) : undefined;
+      return {
+        id: String(r._id),
+        type: r.type,
+        title: r.payeeName || r.description || category?.name || tr.transactions.types[r.type],
+        amountMinor: r.amountMinor,
+        isEstimate: r.isEstimate,
+        recurrence: describeRecurrence(r),
+        account: name(r.accountId)!,
+        toAccount: name(r.toAccountId),
+        category: category?.path ?? null,
+        nextDate: n?.date ? toIstanbulYmd(n.date) : null,
+        // Tekrar sayılı seride: toplam − gerçekleşen/atlanan; bitiş tarihlide: kalan planlı kayıt.
+        remaining: r.count
+          ? Math.max(0, r.count - (n?.done ?? 0))
+          : r.endDate
+            ? (n?.planned ?? 0)
+            : null,
+        startDate: r.startDate,
+        endDate: r.endDate ?? null,
+        count: r.count ?? null,
+      };
+    })
+    .filter((r) => r.nextDate !== null || r.remaining === null);
+}
+
+/** Düzenleme formu için kural değerleri. */
+export async function getRuleForm(userId: string, householdId: string, ruleId: string) {
+  const ctx = await loadContext(userId, householdId, "member");
+  if (!ctx) return null;
+  const r = await loadRule(ctx, ruleId);
+  if (!r) return null;
+  return {
+    id: String(r._id),
+    type: r.type,
+    amountMinor: r.amountMinor,
+    isEstimate: r.isEstimate,
+    accountId: String(r.accountId),
+    toAccountId: r.toAccountId ? String(r.toAccountId) : null,
+    categoryId: r.categoryId ? String(r.categoryId) : null,
+    payee: r.payeeName,
+    description: r.description,
+    tags: r.tags,
+    startDate: r.startDate,
+    frequency: r.frequency,
+    interval: r.interval,
+    monthlyMode: r.monthlyMode,
+    endDate: r.endDate ?? null,
+    count: r.count ?? null,
+  };
+}
+export type RuleFormValues = NonNullable<Awaited<ReturnType<typeof getRuleForm>>>;
+
+/** Dashboard uyarısı: vadesi geçmiş onaylanmamış planlı kayıt sayısı. */
+export async function countOverdue(userId: string, householdId: string): Promise<number> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return 0;
+  return TransactionModel.countDocuments({
+    ...baseFilter(ctx),
+    status: "planned",
+    date: { $lt: istanbulDayStart(todayIstanbul())! },
+  });
+}

src/features/transactions/actions.ts

@@ -5,8 +5,10 @@ import { z } from "zod";
 import { tr } from "@/i18n/tr";
 import { fail, ok, type ActionResult } from "@/lib/action-result";
 import { getHouseholdActionContext } from "@/lib/dal";
+import { reconcileSchema } from "@/shared/schemas/reconciliation";
 import { transactionFormSchema } from "@/shared/schemas/transaction";
 import {
+  cancelRemainingInstallments,
   createTransaction,
   getTransaction,
   getTransactionFormOptions,
@@ -17,6 +19,7 @@ import {
   type TransactionDetail,
   type TransactionFormOptions,
 } from "./service";
+import { previewReconciliation, reconcileAccount, type ReconcilePreview } from "./statement";
 
 const idSchema = z.string().regex(/^[a-f0-9]{24}$/i);
 
@@ -103,3 +106,45 @@ export async function searchPayeesAction(query: unknown): Promise<PayeeSuggestio
   if (!ctx || !q.success) return [];
   return searchPayees(ctx.user.id, ctx.household.id, q.data);
 }
+
+/** Taksitli alışverişin kalan (gerçekleşmemiş) taksitlerini iptal eder. */
+export async function cancelRemainingInstallmentsAction(
+  transactionId: unknown,
+): Promise<ActionResult<{ cancelled: number }>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(transactionId);
+  if (!id.success) return fail(tr.common.notFound);
+  const result = await cancelRemainingInstallments(ctx.user.id, ctx.household.id, id.data);
+  if (result.ok) revalidate();
+  return result;
+}
+
+/** Mutabakat önizlemesi: ekstre bakiyesi ile uygulama bakiyesi arasındaki fark. */
+export async function previewReconciliationAction(
+  accountId: unknown,
+  input: unknown,
+): Promise<ActionResult<ReconcilePreview>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(accountId);
+  if (!id.success) return fail(tr.common.notFound);
+  const parsed = reconcileSchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  return previewReconciliation(ctx.user.id, ctx.household.id, id.data, parsed.data);
+}
+
+export async function reconcileAccountAction(
+  accountId: unknown,
+  input: unknown,
+): Promise<ActionResult<{ adjustmentId: string | null; markedCount: number }>> {
+  const ctx = await getHouseholdActionContext("member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const id = idSchema.safeParse(accountId);
+  if (!id.success) return fail(tr.common.notFound);
+  const parsed = reconcileSchema.safeParse(input);
+  if (!parsed.success) return fail(tr.adminUsers.errors.checkFields, fieldErrors(parsed.error));
+  const result = await reconcileAccount(ctx.user.id, ctx.household.id, id.data, parsed.data);
+  if (result.ok) revalidate();
+  return result;
+}

src/features/transactions/card.int.test.ts

@@ -0,0 +1,297 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { createAccount, listAccounts } from "@/features/accounts/service";
+import { AccountModel } from "@/models/account";
+import { CardStatementModel } from "@/models/card-statement";
+import { CategoryModel } from "@/models/category";
+import { TransactionModel } from "@/models/transaction";
+import { cardPeriods, minimumPayment } from "@/shared/card-periods";
+import { istanbulDayStart, todayIstanbul } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+import { transactionFormSchema, type TransactionForm } from "@/shared/schemas/transaction";
+import { transactionEffects } from "@/shared/transactions";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import { getCardSummary, getOverdraftSummary } from "./card";
+import {
+  cancelRemainingInstallments,
+  createTransaction,
+  listTransactions,
+  postDueInstallments,
+} from "./service";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let fatma = "";
+const today = todayIstanbul();
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  fatma = ids.user("fatma");
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+const cat = (key: string) =>
+  CategoryModel.findOne({ householdId: cakir, defaultKey: key })
+    .lean()
+    .then((c) => String(c!._id));
+
+async function form(over: Partial<TransactionForm>): Promise<TransactionForm> {
+  return {
+    type: "expense",
+    amount: 100_00,
+    date: today,
+    accountId: await acc("Garanti Bonus"),
+    toAccountId: null,
+    categoryId: await cat("giyim"),
+    splits: [],
+    payee: "",
+    description: "",
+    tags: [],
+    installments: 1,
+    attachmentIds: [],
+    ...over,
+  };
+}
+
+/** Bağımsız hesap: açılış + belirli andan önceki gerçekleşmiş işlemler. */
+async function balanceAt(accountId: string, before?: Date) {
+  const account = (await AccountModel.findById(accountId).lean())!;
+  const txs = await TransactionModel.find({
+    householdId: cakir,
+    deletedAt: null,
+    ...(before ? { date: { $lt: before } } : {}),
+  }).lean();
+  let b = account.openingBalanceMinor;
+  for (const t of txs) {
+    for (const e of transactionEffects({
+      type: t.type,
+      status: t.status,
+      amountMinor: t.amountMinor,
+      accountId: String(t.accountId),
+      toAccountId: t.toAccountId ? String(t.toAccountId) : null,
+    }))
+      if (e.accountId === accountId) b += e.deltaMinor;
+  }
+  return b;
+}
+
+describe("kart özeti", () => {
+  it("anlık borç, ekstre borcu (kesim günü dahil) ve asgari ödeme işlemlerle tutarlı", async () => {
+    const card = await acc("Garanti Bonus");
+    const s = (await getCardSummary(ayse, cakir, card))!;
+    const { statement, current } = cardPeriods(today, 29);
+    expect(s.statement.period).toEqual(statement);
+    expect(s.current.start).toBe(current.start);
+    expect(s.debtMinor).toBe(Math.max(0, -(await balanceAt(card))));
+    const endEx = new Date(istanbulDayStart(statement.end)!.getTime() + 24 * 3600 * 1000);
+    expect(s.statement.debtMinor).toBe(Math.max(0, -(await balanceAt(card, endEx))));
+    // Limit 60.000 TL ≥ 50.000 → %40.
+    expect(s.minimumRateBp).toBe(4000);
+    expect(s.statement.minimumMinor).toBe(minimumPayment(s.statement.debtMinor, 4000));
+    expect(s.history).toHaveLength(6);
+    expect(s.paymentAccount?.name).toBe("Ziraat Maaş");
+    expect(await CardStatementModel.countDocuments({ accountId: card })).toBe(6);
+  });
+
+  it("karta ödeme ekstre borcunu düşürür", async () => {
+    const card = await acc("Garanti Bonus");
+    const before = (await getCardSummary(ayse, cakir, card))!;
+    const r = await createTransaction(
+      ayse,
+      cakir,
+      await form({
+        type: "transfer",
+        amount: 1_000_00,
+        accountId: await acc("Ziraat Maaş"),
+        toAccountId: card,
+        categoryId: null,
+      }),
+    );
+    expect(r.ok).toBe(true);
+    const after = (await getCardSummary(ayse, cakir, card))!;
+    expect(after.statement.paidMinor).toBe(before.statement.paidMinor + 1_000_00);
+    expect(after.debtMinor).toBe(before.debtMinor - 1_000_00);
+  });
+
+  it("yetki: hane dışı ve kart olmayan hesap", async () => {
+    expect(await getCardSummary(fatma, cakir, await acc("Garanti Bonus"))).toBeNull();
+    expect(await getCardSummary(ayse, cakir, await acc("Cüzdan"))).toBeNull();
+  });
+});
+
+describe("taksitli harcama", () => {
+  let first = "";
+
+  it("her taksit ayrı işlem; vadesi gelenler gerçekleşir, gelecekler planlı ve limitten düşer", async () => {
+    const card = await acc("Garanti Bonus");
+    const balanceBefore = await balanceAt(card);
+    const summaryBefore = (await getCardSummary(ayse, cakir, card))!;
+    const date = addDays(today, -65);
+    const r = await createTransaction(
+      ayse,
+      cakir,
+      await form({ amount: 9_000_00, installments: 9, payee: "Hepsiburada", date }),
+    );
+    expect(r.ok).toBe(true);
+    first = r.ok ? r.data.id : "";
+    const plan = (await TransactionModel.findById(first).lean())!.installment!.planId;
+    const all = await TransactionModel.find({ "installment.planId": plan })
+      .sort({ "installment.index": 1 })
+      .lean();
+    expect(all).toHaveLength(9);
+    expect(all.map((t) => t.installment!.index)).toEqual([1, 2, 3, 4, 5, 6, 7, 8, 9]);
+    expect(all.reduce((a, t) => a + t.amountMinor, 0)).toBe(9_000_00);
+    const posted = all.filter((t) => t.status === "posted");
+    expect(posted.length).toBeGreaterThanOrEqual(3);
+    expect(all.filter((t) => t.status === "planned").every((t) => t.date > new Date())).toBe(true);
+    expect(await balanceAt(card)).toBe(
+      balanceBefore - posted.reduce((a, t) => a + t.amountMinor, 0),
+    );
+
+    const s = (await getCardSummary(ayse, cakir, card))!;
+    const pending = all
+      .filter((t) => t.status === "planned")
+      .reduce((a, t) => a + t.amountMinor, 0);
+    expect(s.pendingInstallmentsMinor).toBe(summaryBefore.pendingInstallmentsMinor + pending);
+    expect(s.availableMinor).toBe(s.limitMinor - s.debtMinor - s.pendingInstallmentsMinor);
+    expect(s.upcomingInstallments.reduce((a, x) => a + x.totalMinor, 0)).toBe(
+      s.pendingInstallmentsMinor,
+    );
+
+    const list = await listTransactions(
+      ayse,
+      cakir,
+      (await import("@/shared/schemas/transaction")).transactionFilterSchema.parse({
+        q: "Hepsiburada",
+      }),
+    );
+    expect(list!.items[0]!.installment).toMatchObject({ count: 9 });
+  });
+
+  it("vadesi gelen taksit kendi döneminde otomatik gerçekleşir", async () => {
+    const plan = (await TransactionModel.findById(first).lean())!.installment!.planId;
+    const plannedBefore = await TransactionModel.countDocuments({
+      "installment.planId": plan,
+      status: "planned",
+    });
+    await postDueInstallments(
+      (await AccountModel.findById(await acc("Garanti Bonus")).lean())!.householdId,
+      addDays(today, 40),
+    );
+    const plannedAfter = await TransactionModel.countDocuments({
+      "installment.planId": plan,
+      status: "planned",
+    });
+    expect(plannedAfter).toBe(plannedBefore - 1);
+  });
+
+  it("kalan taksitler iptal edilebilir; gerçekleşenler korunur", async () => {
+    const plan = (await TransactionModel.findById(first).lean())!.installment!.planId;
+    const posted = await TransactionModel.countDocuments({
+      "installment.planId": plan,
+      status: "posted",
+    });
+    const r = await cancelRemainingInstallments(ayse, cakir, first);
+    expect(r).toMatchObject({ ok: true });
+    expect(
+      await TransactionModel.countDocuments({
+        "installment.planId": plan,
+        status: "planned",
+        deletedAt: null,
+      }),
+    ).toBe(0);
+    expect(
+      await TransactionModel.countDocuments({
+        "installment.planId": plan,
+        status: "posted",
+        deletedAt: null,
+      }),
+    ).toBe(posted);
+  });
+
+  it("taksit yalnızca kredi kartı giderinde", async () => {
+    const onBank = await createTransaction(
+      ayse,
+      cakir,
+      await form({ installments: 3, accountId: await acc("Ziraat Maaş") }),
+    );
+    expect(onBank.ok).toBe(false);
+    const base = {
+      type: "income",
+      amount: "100",
+      date: today,
+      accountId: "a".repeat(24),
+      categoryId: "b".repeat(24),
+      installments: "3",
+    };
+    expect(transactionFormSchema.safeParse(base).success).toBe(false);
+    expect(transactionFormSchema.safeParse({ ...base, type: "expense" }).success).toBe(true);
+    expect(
+      transactionFormSchema.safeParse({ ...base, type: "expense", installments: "37" }).success,
+    ).toBe(false);
+    expect(
+      transactionFormSchema.parse({ ...base, type: "expense", installments: "" }).installments,
+    ).toBe(1);
+  });
+});
+
+describe("KMH özeti", () => {
+  it("dönem içi eksi bakiyeden faiz tahmini; kullanılabilir KMH", async () => {
+    const created = await createAccount(ayse, cakir, {
+      name: "KMH Test",
+      type: "bank",
+      institution: "",
+      mealCardProvider: null,
+      openingBalance: 0,
+      openingDate: "2020-01-01",
+      color: "blue",
+      icon: "landmark",
+      ownerUserId: null,
+      isPrivate: false,
+      overdraftEnabled: true,
+      overdraftLimit: 10_000_00,
+      overdraftMonthlyRate: 425,
+      overdraftStatementDay: 1,
+      cardLimit: 0,
+      cardStatementDay: 1,
+      cardDueKind: "daysAfter",
+      cardDueValue: 10,
+      cardPaymentAccountId: null,
+      cardMinimumRate: null,
+    });
+    expect(created.ok).toBe(true);
+    const id = created.ok ? created.data.id : "";
+    const { statement } = cardPeriods(today, 1);
+    await createTransaction(
+      ayse,
+      cakir,
+      await form({ accountId: id, amount: 3_000_00, date: statement.start }),
+    );
+    const s = (await getOverdraftSummary(ayse, cakir, id))!;
+    const days =
+      Math.round(
+        (istanbulDayStart(statement.end)!.getTime() -
+          istanbulDayStart(statement.start)!.getTime()) /
+          (24 * 3600 * 1000),
+      ) + 1;
+    expect(s.statement.interestMinor).toBe(Math.round((days * 3_000_00 * 425) / 10_000 / 30));
+    expect(s.usedMinor).toBe(3_000_00);
+    expect(s.availableMinor).toBe(7_000_00);
+    // Artı bakiyeli hesapta kullanılabilir KMH limitin kendisi.
+    const z = (await getOverdraftSummary(ayse, cakir, await acc("Ziraat Maaş")))!;
+    expect(z.usedMinor).toBe(0);
+    expect(z.availableMinor).toBe(z.limitMinor);
+    expect(s.interestCategoryId).not.toBeNull();
+    expect(s.interestBooked).toBe(false);
+    expect((await listAccounts(ayse, cakir))!.accounts.find((a) => a.id === id)!.balanceMinor).toBe(
+      -3_000_00,
+    );
+    expect(await getOverdraftSummary(ayse, cakir, await acc("Cüzdan"))).toBeNull();
+  });
+});

src/features/transactions/card.ts

@@ -0,0 +1,396 @@
+import "server-only";
+import { Types, type PipelineStage } from "mongoose";
+import { AccountModel } from "@/models/account";
+import { CardStatementModel } from "@/models/card-statement";
+import { CategoryModel } from "@/models/category";
+import { TransactionModel } from "@/models/transaction";
+import {
+  cardPeriods,
+  closingOnOrAfter,
+  dueDate,
+  estimateOverdraftInterest,
+  minimumPayment,
+  minimumRateBp,
+  nextPeriod,
+  previousPeriod,
+  type DueRule,
+  type Period,
+} from "@/shared/card-periods";
+import { istanbulDayStart, todayIstanbul, toIstanbulYmd } from "@/shared/dates";
+import { addDays } from "@/shared/recurrence";
+import { loadContext, toItem, userNames, type LeanTx, type TransactionListItem } from "./service";
+import { accountMatch, balanceBefore } from "./statement";
+
+/**
+ * Kredi kartı özeti ve KMH dönem özeti (Bölüm 6.8). Tüm tutarlar işlemlerden hesaplanır;
+ * dönem kayıtları (`statements`) okunurken güncellenir.
+ */
+
+const DAY_MS = 24 * 60 * 60 * 1000;
+const HISTORY = 6;
+const dayStart = (ymd: string) => istanbulDayStart(ymd)!;
+const endExclusive = (ymd: string) => new Date(dayStart(ymd).getTime() + DAY_MS);
+
+type AccountDoc = {
+  _id: Types.ObjectId;
+  householdId: Types.ObjectId;
+  name: string;
+  type: string;
+  openingBalanceMinor: number;
+  archivedAt?: Date | null;
+  creditCard?: {
+    limitMinor: number;
+    statementDay: number;
+    dueRule: DueRule;
+    paymentAccountId?: Types.ObjectId | null;
+    minimumPaymentRateBp?: number | null;
+  } | null;
+  overdraft?: {
+    enabled: boolean;
+    limitMinor: number;
+    monthlyRateBp?: number | null;
+    statementDay?: number | null;
+  } | null;
+};
+
+/** Hesaba giriş (gelir, gelen transfer) ve çıkış (gider, giden transfer) toplamları. */
+async function flows(householdId: Types.ObjectId, accountId: Types.ObjectId, from: Date, to: Date) {
+  const pipeline: PipelineStage[] = [
+    { $match: { ...accountMatch(householdId, accountId), date: { $gte: from, $lt: to } } },
+    {
+      $group: {
+        _id: null,
+        inflow: {
+          $sum: {
+            $cond: [
+              {
+                $or: [
+                  { $and: [{ $eq: ["$type", "income"] }, { $eq: ["$accountId", accountId] }] },
+                  { $and: [{ $eq: ["$type", "transfer"] }, { $eq: ["$toAccountId", accountId] }] },
+                ],
+              },
+              "$amountMinor",
+              0,
+            ],
+          },
+        },
+        outflow: {
+          $sum: {
+            $cond: [
+              {
+                $and: [
+                  { $in: ["$type", ["expense", "transfer"]] },
+                  { $eq: ["$accountId", accountId] },
+                ],
+              },
+              "$amountMinor",
+              0,
+            ],
+          },
+        },
+      },
+    },
+  ];
+  const [row] = await TransactionModel.aggregate<{ inflow: number; outflow: number }>(pipeline);
+  return { inflow: row?.inflow ?? 0, outflow: row?.outflow ?? 0 };
+}
+
+async function loadAccount(userId: string, householdId: string, accountId: string) {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const info = ctx.accountMap.get(accountId);
+  if (!info || info.hidden) return null;
+  const account = await AccountModel.findOne({
+    _id: info.id,
+    householdId: ctx.m.householdId,
+  }).lean<AccountDoc>();
+  return account ? { ctx, account } : null;
+}
+
+// --- Kredi kartı ---
+
+export type StatementSummary = {
+  period: Period;
+  dueDate: string;
+  debtMinor: number;
+  minimumMinor: number;
+  paidMinor: number;
+  spentMinor: number;
+  remainingMinor: number;
+  minimumRemainingMinor: number;
+};
+
+export type CardSummary = {
+  limitMinor: number;
+  debtMinor: number;
+  availableMinor: number;
+  /** Henüz gerçekleşmemiş taksitlerin toplamı (limitten düşer). */
+  pendingInstallmentsMinor: number;
+  minimumRateBp: number;
+  current: Period & { spentMinor: number };
+  statement: StatementSummary;
+  daysToDue: number;
+  history: StatementSummary[];
+  /** Dönem dönem yaklaşan taksit toplamları. */
+  upcomingInstallments: { periodEnd: string; dueDate: string; totalMinor: number; count: number }[];
+  /** Güncel ve sonraki dönemdeki planlı (taksit dışı) harcamalar. */
+  planned: TransactionListItem[];
+  paymentAccount: { id: string; name: string } | null;
+};
+
+export async function getCardSummary(
+  userId: string,
+  householdId: string,
+  accountId: string,
+  today = todayIstanbul(),
+): Promise<CardSummary | null> {
+  const loaded = await loadAccount(userId, householdId, accountId);
+  if (!loaded || loaded.account.type !== "credit_card" || !loaded.account.creditCard) return null;
+  const { ctx, account } = loaded;
+  const card = account.creditCard!;
+  const hh = ctx.m.householdId;
+  const S = card.statementDay;
+  const rate = minimumRateBp(card.limitMinor, card.minimumPaymentRateBp);
+  const { current, statement } = cardPeriods(today, S);
+
+  const balanceNow = await balanceBefore(hh, account, null);
+  const debtMinor = Math.max(0, -balanceNow);
+
+  // Son ekstre + geçmiş dönemler (yeniden eskiye).
+  const periods: Period[] = [statement];
+  while (periods.length < HISTORY) periods.push(previousPeriod(periods.at(-1)!, S));
+  const history = await Promise.all(
+    periods.map(async (p): Promise<StatementSummary> => {
+      const next = nextPeriod(p, S);
+      const [debtAt, paidFlows, spentFlows] = await Promise.all([
+        balanceBefore(hh, account, endExclusive(p.end)),
+        flows(hh, account._id, endExclusive(p.end), endExclusive(next.end)),
+        flows(hh, account._id, dayStart(p.start), endExclusive(p.end)),
+      ]);
+      const debt = Math.max(0, -debtAt);
+      const minimum = minimumPayment(debt, rate);
+      return {
+        period: p,
+        dueDate: dueDate(p.end, card.dueRule),
+        debtMinor: debt,
+        minimumMinor: minimum,
+        paidMinor: paidFlows.inflow,
+        spentMinor: spentFlows.outflow,
+        remainingMinor: Math.max(0, debt - paidFlows.inflow),
+        minimumRemainingMinor: Math.max(0, minimum - paidFlows.inflow),
+      };
+    }),
+  );
+  const now = new Date();
+  await CardStatementModel.bulkWrite(
+    history.map((h) => ({
+      updateOne: {
+        filter: { accountId: account._id, periodEnd: h.period.end },
+        update: {
+          $set: {
+            householdId: hh,
+            kind: "credit_card",
+            periodStart: h.period.start,
+            dueDate: h.dueDate,
+            statementDebtMinor: h.debtMinor,
+            minimumPaymentMinor: h.minimumMinor,
+            paidMinor: h.paidMinor,
+            spentMinor: h.spentMinor,
+            computedAt: now,
+          },
+        },
+        upsert: true,
+      },
+    })),
+  );
+
+  const currentFlows = await flows(
+    hh,
+    account._id,
+    dayStart(current.start),
+    endExclusive(current.end),
+  );
+
+  // Planlı taksitler (dönemlerine göre) ve diğer planlı harcamalar.
+  const planned = (await TransactionModel.find({
+    householdId: hh,
+    accountId: account._id,
+    status: "planned",
+    deletedAt: null,
+  })
+    .sort({ date: 1 })
+    .lean()) as unknown as LeanTx[];
+  const byPeriod = new Map<string, { totalMinor: number; count: number }>();
+  let pendingInstallmentsMinor = 0;
+  const horizon = nextPeriod(current, S).end;
+  const other: LeanTx[] = [];
+  for (const tx of planned) {
+    if (tx.installment?.planId) {
+      const end = closingOnOrAfter(toIstanbulYmd(tx.date), S);
+      const x = byPeriod.get(end) ?? { totalMinor: 0, count: 0 };
+      x.totalMinor += tx.amountMinor;
+      x.count++;
+      byPeriod.set(end, x);
+      pendingInstallmentsMinor += tx.amountMinor;
+    } else if (toIstanbulYmd(tx.date) <= horizon && tx.type !== "income") {
+      other.push(tx);
+    }
+  }
+  const names = await userNames(other.map((t) => t.createdBy as Types.ObjectId));
+  const statementSummary = history[0]!;
+  const payer = card.paymentAccountId ? ctx.accountMap.get(String(card.paymentAccountId)) : null;
+
+  return {
+    limitMinor: card.limitMinor,
+    debtMinor,
+    availableMinor: card.limitMinor - debtMinor - pendingInstallmentsMinor,
+    pendingInstallmentsMinor,
+    minimumRateBp: rate,
+    current: { ...current, spentMinor: currentFlows.outflow },
+    statement: statementSummary,
+    daysToDue: Math.round(
+      (dayStart(statementSummary.dueDate).getTime() - dayStart(today).getTime()) / DAY_MS,
+    ),
+    history,
+    upcomingInstallments: [...byPeriod.entries()]
+      .sort(([a], [b]) => a.localeCompare(b))
+      .slice(0, 12)
+      .map(([periodEnd, x]) => ({ periodEnd, dueDate: dueDate(periodEnd, card.dueRule), ...x })),
+    planned: other.slice(0, 10).map((tx) => toItem(ctx, tx, names)),
+    paymentAccount:
+      payer && !payer.hidden && !payer.archived ? { id: String(payer.id), name: payer.name } : null,
+  };
+}
+
+// --- KMH (esnek hesap) ---
+
+export type OverdraftSummary = {
+  limitMinor: number;
+  balanceMinor: number;
+  usedMinor: number;
+  availableMinor: number;
+  monthlyRateBp: number;
+  current: Period & { interestSoFarMinor: number };
+  statement: Period & { interestMinor: number; averageUsedMinor: number };
+  /** Faiz kaydı önerisi için "Banka › Faiz" kategorisi (varsa). */
+  interestCategoryId: string | null;
+  /** Kesimden sonra bu hesapta faiz kategorisinde gider girilmiş mi? */
+  interestBooked: boolean;
+};
+
+async function dailyDeltas(
+  householdId: Types.ObjectId,
+  accountId: Types.ObjectId,
+  period: Period,
+): Promise<Map<string, number>> {
+  const rows = await TransactionModel.aggregate<{ _id: string; delta: number }>([
+    {
+      $match: {
+        ...accountMatch(householdId, accountId),
+        date: { $gte: dayStart(period.start), $lt: endExclusive(period.end) },
+      },
+    },
+    {
+      $group: {
+        _id: { $dateToString: { format: "%Y-%m-%d", date: "$date", timezone: "Europe/Istanbul" } },
+        delta: {
+          $sum: {
+            $cond: [
+              { $eq: ["$type", "transfer"] },
+              {
+                $cond: [
+                  { $eq: ["$accountId", accountId] },
+                  { $multiply: ["$amountMinor", -1] },
+                  "$amountMinor",
+                ],
+              },
+              {
+                $cond: [
+                  { $eq: ["$type", "income"] },
+                  "$amountMinor",
+                  { $multiply: ["$amountMinor", -1] },
+                ],
+              },
+            ],
+          },
+        },
+      },
+    },
+  ]);
+  return new Map(rows.map((r) => [r._id, r.delta]));
+}
+
+export async function getOverdraftSummary(
+  userId: string,
+  householdId: string,
+  accountId: string,
+  today = todayIstanbul(),
+): Promise<OverdraftSummary | null> {
+  const loaded = await loadAccount(userId, householdId, accountId);
+  const od = loaded?.account.overdraft;
+  if (!loaded || loaded.account.type !== "bank" || !od?.enabled) return null;
+  const { ctx, account } = loaded;
+  const hh = ctx.m.householdId;
+  const S = od.statementDay ?? 1;
+  const rate = od.monthlyRateBp ?? 0;
+  const { current, statement } = cardPeriods(today, S);
+
+  const [balanceMinor, stStart, curStart, stDeltas, curDeltas, faiz] = await Promise.all([
+    balanceBefore(hh, account, null),
+    balanceBefore(hh, account, dayStart(statement.start)),
+    balanceBefore(hh, account, dayStart(current.start)),
+    dailyDeltas(hh, account._id, statement),
+    dailyDeltas(hh, account._id, current),
+    CategoryModel.findOne({ householdId: hh, defaultKey: "banka.faiz", archivedAt: null })
+      .select({ _id: 1 })
+      .lean(),
+  ]);
+  const st = estimateOverdraftInterest(statement, stStart, stDeltas, rate);
+  const cur = estimateOverdraftInterest(current, curStart, curDeltas, rate, today);
+  const interestBooked = faiz
+    ? Boolean(
+        await TransactionModel.exists({
+          householdId: hh,
+          accountId: account._id,
+          type: "expense",
+          effectiveCategoryIds: faiz._id,
+          deletedAt: null,
+          status: { $ne: "void" },
+          date: { $gte: dayStart(statement.end), $lt: endExclusive(addDays(today, 0)) },
+        }),
+      )
+    : false;
+  await CardStatementModel.updateOne(
+    { accountId: account._id, periodEnd: statement.end },
+    {
+      $set: {
+        householdId: hh,
+        kind: "overdraft",
+        periodStart: statement.start,
+        statementDebtMinor: Math.max(
+          0,
+          -(await balanceBefore(hh, account, endExclusive(statement.end))),
+        ),
+        interestMinor: st.interestMinor,
+        computedAt: new Date(),
+      },
+    },
+    { upsert: true },
+  );
+  return {
+    limitMinor: od.limitMinor,
+    balanceMinor,
+    usedMinor: Math.max(0, -balanceMinor),
+    // Kullanılabilir KMH: limit − kullanılan (pozitif bakiye KMH'yi artırmaz).
+    availableMinor: Math.max(0, od.limitMinor - Math.max(0, -balanceMinor)),
+    monthlyRateBp: rate,
+    current: { ...current, interestSoFarMinor: cur.interestMinor },
+    statement: {
+      ...statement,
+      interestMinor: st.interestMinor,
+      averageUsedMinor: st.averageUsedMinor,
+    },
+    interestCategoryId: faiz ? String(faiz._id) : null,
+    interestBooked,
+  };
+}

src/features/transactions/components/card-summary.tsx

@@ -0,0 +1,314 @@
+"use client";
+
+import { ChevronDown, CreditCard, Landmark, Percent, Wallet } from "lucide-react";
+import { useState } from "react";
+import { useQuickAdd } from "@/components/layout/quick-add";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent, CardHeader, CardTitle } from "@/components/ui/card";
+import { Collapsible, CollapsibleContent, CollapsibleTrigger } from "@/components/ui/collapsible";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatDate, formatMoney } from "@/shared/format";
+import { formatMoneyInput } from "@/shared/money";
+import type { CardSummary, OverdraftSummary } from "../card";
+import { Amount, rowTitle } from "./transaction-parts";
+
+const c = tr.card;
+const o = tr.overdraft;
+const d = (ymd: string) => formatDate(`${ymd}T12:00:00+03:00`);
+const pct = (bp: number) => formatMoneyInput(bp).replace(/,00$/, "");
+
+function Stat({
+  label,
+  value,
+  tone,
+  sub,
+}: {
+  label: string;
+  value: string;
+  tone?: string;
+  sub?: React.ReactNode;
+}) {
+  return (
+    <div className="min-w-0">
+      <p className="text-xs text-muted-foreground">{label}</p>
+      <p className={cn("text-base font-semibold tabular-nums", tone)}>{value}</p>
+      {sub ? <p className="text-xs text-muted-foreground">{sub}</p> : null}
+    </div>
+  );
+}
+
+/** Limit kullanım çubuğu: borç + gelecek taksitler / limit. */
+function UsageBar({ used, pending, limit }: { used: number; pending: number; limit: number }) {
+  if (limit <= 0) return null;
+  const u = Math.min(100, (used / limit) * 100);
+  const p = Math.min(100 - u, (pending / limit) * 100);
+  return (
+    <div
+      className="flex h-2 w-full overflow-hidden rounded-full bg-muted"
+      role="img"
+      aria-label={`${Math.round(u + p)}%`}
+    >
+      <div className="bg-expense" style={{ width: `${u}%` }} />
+      <div className="bg-expense/40" style={{ width: `${p}%` }} />
+    </div>
+  );
+}
+
+export function CardSummaryPanel({
+  summary: s,
+  accountId,
+  canWrite,
+}: {
+  summary: CardSummary;
+  accountId: string;
+  canWrite: boolean;
+}) {
+  const { openTransactionForm } = useQuickAdd();
+  const [historyOpen, setHistoryOpen] = useState(false);
+  const st = s.statement;
+
+  function pay() {
+    openTransactionForm({
+      kind: "create",
+      type: "transfer",
+      prefill: {
+        accountId: s.paymentAccount?.id,
+        toAccountId: accountId,
+        amountMinor: st.remainingMinor || undefined,
+        description: c.payDescription,
+      },
+    });
+  }
+
+  return (
+    <Card>
+      <CardHeader>
+        <CardTitle className="flex items-center gap-2 text-base">
+          <CreditCard className="size-4" aria-hidden />
+          {c.title}
+        </CardTitle>
+      </CardHeader>
+      <CardContent className="flex flex-col gap-5">
+        <div className="flex flex-col gap-2">
+          <div className="grid grid-cols-2 gap-3">
+            <Stat label={c.debt} value={formatMoney(s.debtMinor)} tone="text-expense" />
+            <Stat
+              label={c.available}
+              value={formatMoney(s.availableMinor)}
+              sub={c.limitOf(formatMoney(s.limitMinor))}
+            />
+          </div>
+          <UsageBar used={s.debtMinor} pending={s.pendingInstallmentsMinor} limit={s.limitMinor} />
+          {s.pendingInstallmentsMinor ? (
+            <p className="text-xs text-muted-foreground">
+              {c.pendingInstallments(formatMoney(s.pendingInstallmentsMinor))}
+            </p>
+          ) : null}
+        </div>
+
+        <section className="flex flex-col gap-3 rounded-xl border p-3">
+          <div className="flex flex-wrap items-baseline justify-between gap-2">
+            <h3 className="text-sm font-medium">{c.statementPeriod}</h3>
+            <span className="text-xs text-muted-foreground">
+              {c.periodRange(d(st.period.start), d(st.period.end))}
+            </span>
+          </div>
+          <div className="grid grid-cols-2 gap-3 sm:grid-cols-4">
+            <Stat label={c.statementDebt} value={formatMoney(st.debtMinor)} />
+            <Stat label={c.minimum(pct(s.minimumRateBp))} value={formatMoney(st.minimumMinor)} />
+            <Stat label={c.paid} value={formatMoney(st.paidMinor)} tone="text-income" />
+            <Stat
+              label={c.remaining}
+              value={formatMoney(st.remainingMinor)}
+              tone={st.remainingMinor ? "text-expense" : "text-income"}
+            />
+          </div>
+          <div className="flex flex-wrap items-center justify-between gap-2">
+            <p className="text-sm">
+              {c.dueDate}: <span className="font-medium">{d(st.dueDate)}</span>{" "}
+              <span
+                className={cn(
+                  "text-xs",
+                  st.remainingMinor && s.daysToDue < 0 ? "text-expense" : "text-muted-foreground",
+                )}
+              >
+                {st.remainingMinor ? `· ${c.daysLeft(s.daysToDue)}` : `· ${c.paidInFull}`}
+              </span>
+            </p>
+            {canWrite ? (
+              <Button size="sm" onClick={pay}>
+                <Wallet />
+                {c.pay}
+              </Button>
+            ) : null}
+          </div>
+        </section>
+
+        <section className="flex flex-wrap items-baseline justify-between gap-2">
+          <div>
+            <h3 className="text-sm font-medium">{c.currentPeriod}</h3>
+            <p className="text-xs text-muted-foreground">
+              {c.periodRange(d(s.current.start), d(s.current.end))}
+            </p>
+          </div>
+          <Stat label={c.spent} value={formatMoney(s.current.spentMinor)} tone="text-expense" />
+        </section>
+
+        <section className="flex flex-col gap-2">
+          <h3 className="text-sm font-medium">{c.upcomingInstallments}</h3>
+          {s.upcomingInstallments.length ? (
+            <ul className="divide-y rounded-xl border text-sm">
+              {s.upcomingInstallments.map((x) => (
+                <li key={x.periodEnd} className="flex items-center justify-between gap-3 p-2.5">
+                  <span className="text-muted-foreground">
+                    {c.installmentPeriod(d(x.periodEnd), d(x.dueDate), x.count)}
+                  </span>
+                  <span className="font-medium tabular-nums">{formatMoney(x.totalMinor)}</span>
+                </li>
+              ))}
+            </ul>
+          ) : (
+            <p className="text-sm text-muted-foreground">{c.noInstallments}</p>
+          )}
+        </section>
+
+        {s.planned.length ? (
+          <section className="flex flex-col gap-2">
+            <h3 className="text-sm font-medium">{c.planned}</h3>
+            <ul className="divide-y rounded-xl border text-sm">
+              {s.planned.map((p) => (
+                <li key={p.id} className="flex items-center justify-between gap-3 p-2.5">
+                  <span className="min-w-0 truncate">
+                    {d(p.date)} · {rowTitle(p)}
+                  </span>
+                  <Amount type={p.type} amountMinor={p.amountMinor} className="font-medium" />
+                </li>
+              ))}
+            </ul>
+          </section>
+        ) : null}
+
+        <Collapsible open={historyOpen} onOpenChange={setHistoryOpen}>
+          <CollapsibleTrigger asChild>
+            <Button variant="ghost" size="sm" className="-ml-2 w-fit">
+              <ChevronDown className={cn("transition-transform", historyOpen && "rotate-180")} />
+              {c.history}
+            </Button>
+          </CollapsibleTrigger>
+          <CollapsibleContent className="pt-2">
+            <div className="overflow-x-auto rounded-xl border">
+              <table className="w-full text-sm">
+                <thead className="text-xs text-muted-foreground">
+                  <tr className="border-b">
+                    <th className="p-2 text-left font-normal">{c.historyHeaders.period}</th>
+                    <th className="p-2 text-right font-normal">{c.historyHeaders.debt}</th>
+                    <th className="p-2 text-right font-normal">{c.historyHeaders.minimum}</th>
+                    <th className="p-2 text-right font-normal">{c.historyHeaders.paid}</th>
+                    <th className="p-2 text-right font-normal">{c.historyHeaders.due}</th>
+                  </tr>
+                </thead>
+                <tbody className="divide-y tabular-nums">
+                  {s.history.map((h) => (
+                    <tr key={h.period.end}>
+                      <td className="p-2 whitespace-nowrap">
+                        {c.periodRange(d(h.period.start), d(h.period.end))}
+                      </td>
+                      <td className="p-2 text-right">{formatMoney(h.debtMinor)}</td>
+                      <td className="p-2 text-right">{formatMoney(h.minimumMinor)}</td>
+                      <td className="p-2 text-right">{formatMoney(h.paidMinor)}</td>
+                      <td className="p-2 text-right whitespace-nowrap">{d(h.dueDate)}</td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+            </div>
+          </CollapsibleContent>
+        </Collapsible>
+      </CardContent>
+    </Card>
+  );
+}
+
+export function OverdraftPanel({
+  summary: s,
+  accountId,
+  canWrite,
+}: {
+  summary: OverdraftSummary;
+  accountId: string;
+  canWrite: boolean;
+}) {
+  const { openTransactionForm } = useQuickAdd();
+  const range = c.periodRange(d(s.statement.start), d(s.statement.end));
+
+  function bookInterest() {
+    openTransactionForm({
+      kind: "create",
+      type: "expense",
+      prefill: {
+        accountId,
+        amountMinor: s.statement.interestMinor || undefined,
+        categoryId: s.interestCategoryId ?? undefined,
+        date: s.statement.end,
+        description: o.interestDescription(range),
+      },
+    });
+  }
+
+  return (
+    <Card>
+      <CardHeader>
+        <CardTitle className="flex items-center gap-2 text-base">
+          <Landmark className="size-4" aria-hidden />
+          {o.title}
+        </CardTitle>
+      </CardHeader>
+      <CardContent className="flex flex-col gap-4">
+        <div className="grid grid-cols-3 gap-3">
+          <Stat
+            label={o.limit}
+            value={formatMoney(s.limitMinor)}
+            sub={o.rate(pct(s.monthlyRateBp))}
+          />
+          <Stat
+            label={o.used}
+            value={formatMoney(s.usedMinor)}
+            tone={s.usedMinor ? "text-expense" : undefined}
+          />
+          <Stat label={o.available} value={formatMoney(Math.max(0, s.availableMinor))} />
+        </div>
+        <UsageBar used={s.usedMinor} pending={0} limit={s.limitMinor} />
+        <section className="flex flex-col gap-2 rounded-xl border p-3">
+          <div className="flex flex-wrap items-baseline justify-between gap-2">
+            <h3 className="text-sm font-medium">{o.lastPeriod}</h3>
+            <span className="text-xs text-muted-foreground">{range}</span>
+          </div>
+          <div className="flex flex-wrap items-end justify-between gap-3">
+            <Stat
+              label={o.estimatedInterest}
+              value={formatMoney(s.statement.interestMinor)}
+              tone={s.statement.interestMinor ? "text-expense" : undefined}
+              sub={o.averageUsed(formatMoney(s.statement.averageUsedMinor))}
+            />
+            {s.interestBooked ? (
+              <p className="text-xs text-muted-foreground">{o.booked}</p>
+            ) : canWrite && s.statement.interestMinor > 0 ? (
+              <Button size="sm" variant="outline" onClick={bookInterest}>
+                <Percent />
+                {o.bookInterest}
+              </Button>
+            ) : null}
+          </div>
+          <p className="text-xs text-muted-foreground">{o.taxNote}</p>
+        </section>
+        <p className="text-sm">
+          {o.currentSoFar}:{" "}
+          <span className="font-medium tabular-nums">
+            {formatMoney(s.current.interestSoFarMinor)}
+          </span>
+        </p>
+      </CardContent>
+    </Card>
+  );
+}

src/features/transactions/components/statement-view.tsx

@@ -0,0 +1,400 @@
+"use client";
+
+import {
+  ArrowLeft,
+  CheckCheck,
+  ChevronLeft,
+  ChevronRight,
+  List,
+  Loader2,
+  Scale,
+} from "lucide-react";
+import Link from "next/link";
+import { useState } from "react";
+import { toast } from "sonner";
+import { MoneyInput } from "@/components/money-input";
+import { PageHeader } from "@/components/page-header";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardDescription, CardHeader, CardTitle } from "@/components/ui/card";
+import { Checkbox } from "@/components/ui/checkbox";
+import { Field, FieldDescription, FieldError, FieldGroup, FieldLabel } from "@/components/ui/field";
+import { Input } from "@/components/ui/input";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { todayIstanbul } from "@/shared/dates";
+import { formatDate, formatMoney } from "@/shared/format";
+import { previewReconciliationAction, reconcileAccountAction } from "../actions";
+import type { AccountStatement, ReconcilePreview, StatementRow } from "../statement";
+import type { CardSummary, OverdraftSummary } from "../card";
+import { CardSummaryPanel, OverdraftPanel } from "./card-summary";
+import { RowIcon, rowSubtitle, rowTitle, useTransactionDetail } from "./transaction-parts";
+
+const t = tr.statement;
+const r = t.reconcile;
+const monthFmt = new Intl.DateTimeFormat("tr-TR", {
+  month: "long",
+  year: "numeric",
+  timeZone: "Europe/Istanbul",
+});
+const monthLabel = (ym: string) => monthFmt.format(new Date(`${ym}-15T12:00:00+03:00`));
+const dateLabel = (ymd: string) => formatDate(new Date(`${ymd}T12:00:00+03:00`));
+
+function SignedMoney({ minor, className }: { minor: number; className?: string }) {
+  return (
+    <span
+      className={cn(
+        "font-semibold whitespace-nowrap tabular-nums",
+        minor > 0 && "text-income",
+        minor < 0 && "text-expense",
+        className,
+      )}
+    >
+      {minor > 0 ? "+" : minor < 0 ? "−" : ""}
+      {formatMoney(Math.abs(minor))}
+    </span>
+  );
+}
+
+export function StatementView({
+  statement: s,
+  card,
+  overdraft,
+  canWrite,
+}: {
+  statement: AccountStatement;
+  card?: CardSummary | null;
+  overdraft?: OverdraftSummary | null;
+  canWrite: boolean;
+}) {
+  const { openDetail, element: detailElement } = useTransactionDetail(canWrite);
+  const [reconcileOpen, setReconcileOpen] = useState(false);
+  const base = `/hesaplar/${s.account.id}`;
+
+  return (
+    <div className="flex flex-col gap-4">
+      <Button variant="ghost" size="sm" asChild className="-ml-2 w-fit">
+        <Link href="/hesaplar">
+          <ArrowLeft />
+          {t.back}
+        </Link>
+      </Button>
+      <PageHeader
+        title={s.account.name}
+        description={`${tr.accounts.types[s.account.type]} · ${t.current}: ${formatMoney(s.currentBalanceMinor)}`}
+        actions={
+          <>
+            <Button variant="outline" asChild>
+              <Link href={`/islemler?hesap=${s.account.id}`}>
+                <List />
+                <span className="hidden sm:inline">{t.allTransactions}</span>
+              </Link>
+            </Button>
+            {canWrite && s.canReconcile ? (
+              <Button onClick={() => setReconcileOpen(true)}>
+                <Scale />
+                {r.open}
+              </Button>
+            ) : null}
+          </>
+        }
+      />
+
+      {card ? (
+        <CardSummaryPanel summary={card} accountId={s.account.id} canWrite={canWrite} />
+      ) : null}
+      {overdraft ? (
+        <OverdraftPanel summary={overdraft} accountId={s.account.id} canWrite={canWrite} />
+      ) : null}
+
+      <div className="flex items-center justify-between gap-2">
+        <Button variant="outline" size="icon-sm" asChild aria-label={t.prevMonth}>
+          <Link href={`${base}?ay=${s.prevMonth}`}>
+            <ChevronLeft />
+          </Link>
+        </Button>
+        <h2 className="text-base font-medium capitalize">{monthLabel(s.month)}</h2>
+        {s.nextMonth ? (
+          <Button variant="outline" size="icon-sm" asChild aria-label={t.nextMonth}>
+            <Link href={`${base}?ay=${s.nextMonth}`}>
+              <ChevronRight />
+            </Link>
+          </Button>
+        ) : (
+          <Button variant="outline" size="icon-sm" disabled aria-label={t.nextMonth}>
+            <ChevronRight />
+          </Button>
+        )}
+      </div>
+
+      <div className="grid grid-cols-2 gap-3 sm:grid-cols-4">
+        {(
+          [
+            [t.opening, s.openingMinor, false],
+            [t.inflow, s.inflowMinor, true],
+            [t.outflow, -s.outflowMinor, true],
+            [t.closing, s.closingMinor, false],
+          ] as const
+        ).map(([label, value, colored]) => (
+          <Card key={label} size="sm">
+            <CardHeader>
+              <CardDescription>{label}</CardDescription>
+              <CardTitle className="text-base">
+                {colored ? (
+                  <SignedMoney minor={value} />
+                ) : (
+                  <span className="tabular-nums">{formatMoney(value)}</span>
+                )}
+              </CardTitle>
+            </CardHeader>
+          </Card>
+        ))}
+      </div>
+
+      <p className="flex items-center gap-1.5 text-xs text-muted-foreground">
+        <CheckCheck className="size-3.5" aria-hidden />
+        {s.lastReconciliation
+          ? t.lastReconciliation(
+              dateLabel(s.lastReconciliation.date),
+              formatMoney(s.lastReconciliation.statementBalanceMinor),
+            )
+          : t.noReconciliation}
+      </p>
+
+      {s.rows.length === 0 ? (
+        <Card>
+          <CardHeader>
+            <CardDescription>{t.empty}</CardDescription>
+          </CardHeader>
+        </Card>
+      ) : (
+        <ul className="divide-y rounded-xl border bg-card">
+          {s.rows.map((row) => (
+            <li key={row.item.id}>
+              <StatementRowView row={row} onOpen={() => openDetail(row.item.id)} />
+            </li>
+          ))}
+        </ul>
+      )}
+      {s.truncated ? <p className="text-xs text-muted-foreground">{t.truncated}</p> : null}
+
+      {detailElement}
+      <ReconcileDialog
+        open={reconcileOpen}
+        onOpenChange={setReconcileOpen}
+        accountId={s.account.id}
+        isLiability={s.account.isLiability}
+      />
+    </div>
+  );
+}
+
+function StatementRowView({ row, onOpen }: { row: StatementRow; onOpen: () => void }) {
+  const content = (
+    <>
+      <RowIcon item={row.item} />
+      <span className="min-w-0 flex-1">
+        <span className="flex items-center gap-1.5">
+          <span className="truncate font-medium">{rowTitle(row.item)}</span>
+          {row.reconciled ? (
+            <CheckCheck className="size-3.5 shrink-0 text-income" aria-label={t.reconciledHint} />
+          ) : null}
+        </span>
+        <span className="block truncate text-xs text-muted-foreground">
+          {dateLabel(row.item.date)} · {rowSubtitle(row.item)}
+        </span>
+      </span>
+      <span className="flex flex-col items-end">
+        <SignedMoney minor={row.deltaMinor} />
+        <span className="text-xs text-muted-foreground tabular-nums" title={t.balanceAfter}>
+          {formatMoney(row.balanceMinor)}
+        </span>
+      </span>
+    </>
+  );
+  const cls = "flex w-full items-center gap-3 p-3 text-left";
+  // Gizli karşı hesaba dokunan işlemin ayrıntısı açılmaz.
+  return row.restricted ? (
+    <div className={cls}>{content}</div>
+  ) : (
+    <button
+      type="button"
+      onClick={onOpen}
+      className={cn(cls, "outline-none hover:bg-muted/50 focus-visible:bg-muted")}
+    >
+      {content}
+    </button>
+  );
+}
+
+function ReconcileDialog({
+  open,
+  onOpenChange,
+  accountId,
+  isLiability,
+}: {
+  open: boolean;
+  onOpenChange: (open: boolean) => void;
+  accountId: string;
+  isLiability: boolean;
+}) {
+  const [date, setDate] = useState(todayIstanbul);
+  const [balance, setBalance] = useState("");
+  const [preview, setPreview] = useState<ReconcilePreview | null>(null);
+  const [accept, setAccept] = useState(false);
+  const [errors, setErrors] = useState<Record<string, string | undefined>>({});
+  const [pending, setPending] = useState(false);
+
+  function reset(next: boolean) {
+    if (!next) {
+      setPreview(null);
+      setAccept(false);
+      setErrors({});
+      setBalance("");
+      setDate(todayIstanbul());
+    }
+    onOpenChange(next);
+  }
+
+  const input = () => ({
+    statementDate: date,
+    statementBalance: balance,
+    acceptAdjustment: accept,
+  });
+
+  async function check() {
+    setPending(true);
+    const res = await previewReconciliationAction(accountId, input());
+    setPending(false);
+    if (!res.ok) {
+      setErrors({ ...res.fieldErrors, root: res.fieldErrors ? undefined : res.error });
+      return;
+    }
+    setErrors({});
+    setAccept(false);
+    setPreview(res.data);
+  }
+
+  async function confirm() {
+    setPending(true);
+    const res = await reconcileAccountAction(accountId, input());
+    setPending(false);
+    if (!res.ok) {
+      setErrors({ root: res.error });
+      return;
+    }
+    toast.success(
+      res.data.adjustmentId
+        ? r.doneWithAdjustment(res.data.markedCount)
+        : r.done(res.data.markedCount),
+    );
+    reset(false);
+  }
+
+  const diff = preview?.differenceMinor ?? 0;
+  const display = (minor: number) => formatMoney(isLiability ? -minor : minor);
+
+  return (
+    <ResponsiveDialog
+      open={open}
+      onOpenChange={reset}
+      title={r.title}
+      description={r.description}
+      footer={
+        <>
+          <Button variant="outline" type="button" onClick={() => reset(false)}>
+            {tr.common.cancel}
+          </Button>
+          {preview ? (
+            <Button onClick={confirm} disabled={pending || (diff !== 0 && !accept)}>
+              {pending ? <Loader2 className="animate-spin" /> : null}
+              {diff !== 0 ? r.confirmWithAdjustment : r.confirm}
+            </Button>
+          ) : (
+            <Button onClick={check} disabled={pending || !balance.trim()}>
+              {pending ? <Loader2 className="animate-spin" /> : null}
+              {r.check}
+            </Button>
+          )}
+        </>
+      }
+    >
+      <FieldGroup>
+        <Field data-invalid={Boolean(errors.statementDate)}>
+          <FieldLabel htmlFor="rec-date">{r.date}</FieldLabel>
+          <Input
+            id="rec-date"
+            type="date"
+            value={date}
+            max={todayIstanbul()}
+            onChange={(e) => {
+              setDate(e.target.value);
+              setPreview(null);
+            }}
+          />
+          {errors.statementDate ? <FieldError>{errors.statementDate}</FieldError> : null}
+        </Field>
+        <Field data-invalid={Boolean(errors.statementBalance)}>
+          <FieldLabel htmlFor="rec-balance">{isLiability ? r.debt : r.balance}</FieldLabel>
+          <MoneyInput
+            id="rec-balance"
+            value={balance}
+            allowNegative
+            onChange={(v) => {
+              setBalance(v);
+              setPreview(null);
+            }}
+          />
+          <FieldDescription>{isLiability ? r.debtHint : r.balanceHint}</FieldDescription>
+          {errors.statementBalance ? <FieldError>{errors.statementBalance}</FieldError> : null}
+        </Field>
+
+        {preview ? (
+          <div className="flex flex-col gap-3 rounded-xl border p-3" aria-live="polite">
+            <dl className="grid grid-cols-3 gap-2 text-sm">
+              <div>
+                <dt className="text-xs text-muted-foreground">{r.statementBalance}</dt>
+                <dd className="tabular-nums">{display(preview.statementBalanceMinor)}</dd>
+              </div>
+              <div>
+                <dt className="text-xs text-muted-foreground">{r.appBalance}</dt>
+                <dd className="tabular-nums">{display(preview.appBalanceMinor)}</dd>
+              </div>
+              <div>
+                <dt className="text-xs text-muted-foreground">{r.difference}</dt>
+                <dd>
+                  <SignedMoney minor={diff} />
+                </dd>
+              </div>
+            </dl>
+            {diff === 0 ? (
+              <p className="text-sm text-income">{r.matches}</p>
+            ) : (
+              <>
+                <p className="text-sm text-expense">{r.mismatch}</p>
+                <label className="flex items-start gap-2 text-sm">
+                  <Checkbox
+                    checked={accept}
+                    onCheckedChange={(v) => setAccept(v === true)}
+                    className="mt-0.5"
+                  />
+                  <span>
+                    {r.adjustmentOffer(
+                      formatMoney(Math.abs(diff)),
+                      diff > 0 ? tr.transactions.types.income : tr.transactions.types.expense,
+                    )}
+                  </span>
+                </label>
+              </>
+            )}
+            <Badge variant="secondary" className="w-fit">
+              {r.unreconciled(preview.unreconciledCount)}
+            </Badge>
+          </div>
+        ) : null}
+        {errors.root ? <FieldError>{errors.root}</FieldError> : null}
+      </FieldGroup>
+    </ResponsiveDialog>
+  );
+}

src/features/transactions/components/transaction-form.tsx

@@ -27,6 +27,9 @@ import { cn } from "@/lib/utils";
 import { todayIstanbul } from "@/shared/dates";
 import { formatMoney } from "@/shared/format";
 import { formatMoneyInput, parseMoney } from "@/shared/money";
+import { allowedAttachmentKinds } from "@/shared/attachments";
+import { AttachmentPicker } from "@/features/attachments/components/attachment-picker";
+import type { AttachmentInfo } from "@/features/attachments/service";
 import { transactionFormSchema, type TransactionForm } from "@/shared/schemas/transaction";
 import { MAX_SPLITS, TRANSACTION_TYPES, type TransactionType } from "@/shared/transactions";
 import {
@@ -39,9 +42,22 @@ import type { PayeeSuggestion, TransactionDetail, TransactionFormOptions } from
 
 const t = tr.transactions;
 const f = t.fields;
+const INSTALLMENT_OPTIONS = [1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 15, 18, 24, 36];
 
 export type TransactionFormMode =
-  | { kind: "create"; type: TransactionType }
+  | {
+      kind: "create";
+      type: TransactionType;
+      /** Ön doldurma (ör. kart borcu ödemesi, KMH faiz kaydı). */
+      prefill?: {
+        accountId?: string;
+        toAccountId?: string;
+        amountMinor?: number;
+        categoryId?: string;
+        date?: string;
+        description?: string;
+      };
+    }
   | { kind: "edit"; transaction: TransactionDetail }
   | { kind: "copy"; transaction: TransactionDetail };
 
@@ -57,21 +73,28 @@ type FormValues = {
   payee: string;
   description: string;
   tags: string;
+  /** Önizleme bilgisiyle ekler; sunucuya yalnızca kimlikleri gider. */
+  attachments: AttachmentInfo[];
+  /** Taksit sayısı (yalnızca yeni kredi kartı gideri). */
+  installments: string;
 };
 
 function toValues(mode: TransactionFormMode, options: TransactionFormOptions | null): FormValues {
   if (mode.kind === "create") {
+    const p = mode.prefill ?? {};
     return {
       type: mode.type,
-      amount: "",
-      date: todayIstanbul(),
-      accountId: options?.accounts[0]?.id ?? "",
-      toAccountId: "",
-      categoryId: "",
+      amount: p.amountMinor ? formatMoneyInput(p.amountMinor) : "",
+      date: p.date ?? todayIstanbul(),
+      accountId: p.accountId ?? options?.accounts[0]?.id ?? "",
+      toAccountId: p.toAccountId ?? "",
+      categoryId: p.categoryId ?? "",
       splits: [],
       payee: "",
-      description: "",
+      description: p.description ?? "",
       tags: "",
+      attachments: [],
+      installments: "1",
     };
   }
   const x = mode.transaction;
@@ -79,7 +102,7 @@ function toValues(mode: TransactionFormMode, options: TransactionFormOptions | n
     type: x.type,
     amount: formatMoneyInput(x.amountMinor),
     date: mode.kind === "copy" ? todayIstanbul() : x.date,
-    accountId: x.account.id,
+    accountId: x.account?.id ?? "",
     toAccountId: x.toAccount?.id ?? "",
     categoryId: x.categoryId ?? "",
     splits: x.splits.map((s) => ({
@@ -90,10 +113,13 @@ function toValues(mode: TransactionFormMode, options: TransactionFormOptions | n
     payee: x.payeeName,
     description: x.description,
     tags: x.tags.join(", "),
+    // Kopyada ekler taşınmaz (fiş o işleme aittir).
+    attachments: mode.kind === "edit" ? x.attachments : [],
+    installments: "1",
   };
 }
 
-function AccountSelect({
+export function AccountSelect({
   id,
   value,
   onChange,
@@ -140,7 +166,7 @@ function AccountSelect({
   );
 }
 
-function CategorySelect({
+export function CategorySelect({
   id,
   value,
   onChange,
@@ -191,7 +217,7 @@ function CategorySelect({
 }
 
 /** Satıcı alanı: yazdıkça öneri; seçilince son kullanılan kategori/hesap önerilir. */
-function PayeeInput({
+export function PayeeInput({
   value,
   onChange,
   onPick,
@@ -298,6 +324,7 @@ export function TransactionFormDialog({
   const [loadError, setLoadError] = useState<string | null>(null);
   const [advancedOpen, setAdvancedOpen] = useState(false);
   const [suggested, setSuggested] = useState(false);
+  const [uploadBusy, setUploadBusy] = useState(false);
   const form = useForm<FormValues, unknown, TransactionForm>({
     // FormValues, şemanın giriş şekliyle birebir (tutarlar string; zod kuruşa çevirir).
     resolver: zodResolver(transactionFormSchema) as unknown as Resolver<
@@ -332,6 +359,7 @@ export function TransactionFormDialog({
   const amount = useWatch({ control: form.control, name: "amount" });
   const accountId = useWatch({ control: form.control, name: "accountId" });
   const splitValues = useWatch({ control: form.control, name: "splits" });
+  const attachmentCount = useWatch({ control: form.control, name: "attachments" })?.length ?? 0;
   const splitMode = splits.fields.length > 0;
 
   // Düzenlemede arşivli/kapalı hesap veya kategori seçenek listesinde yoksa ekle (kaybolmasın).
@@ -364,6 +392,13 @@ export function TransactionFormDialog({
   }, [options, type, mode]);
 
   const totalMinor = parseMoney(amount ?? "") ?? 0;
+  const selectedAccountType = options?.accounts.find((a) => a.id === accountId)?.type;
+  // Taksit: yeni (veya kopya) kredi kartı gideri, bölünmemiş.
+  const showInstallments =
+    mode?.kind !== "edit" &&
+    type === "expense" &&
+    selectedAccountType === "credit_card" &&
+    !splitMode;
   const splitSum = (splitValues ?? []).reduce((a, s) => a + (parseMoney(s.amount ?? "") ?? 0), 0);
   const remaining = totalMinor - splitSum;
 
@@ -431,9 +466,15 @@ export function TransactionFormDialog({
 
   async function onSubmit() {
     if (!mode) return;
-    const values = form.getValues();
+    if (uploadBusy) {
+      form.setError("root", { message: tr.attachments.waitForUploads });
+      return;
+    }
+    const { attachments, ...values } = form.getValues();
     const payload = {
       ...values,
+      installments: showInstallments ? values.installments : "1",
+      attachmentIds: attachments.map((a) => a.id),
       toAccountId: values.type === "transfer" ? values.toAccountId : "",
       categoryId: values.type === "transfer" || values.splits.length ? "" : values.categoryId,
       splits: values.type === "transfer" ? [] : values.splits,
@@ -479,7 +520,7 @@ export function TransactionFormDialog({
             <Button
               type="submit"
               form="transaction-form"
-              disabled={form.formState.isSubmitting || loading}
+              disabled={form.formState.isSubmitting || loading || uploadBusy}
             >
               {form.formState.isSubmitting ? <Loader2 className="animate-spin" /> : null}
               {tr.common.save}
@@ -580,6 +621,42 @@ export function TransactionFormDialog({
                   </Field>
                 )}
               />
+              {showInstallments ? (
+                <Controller
+                  name="installments"
+                  control={form.control}
+                  render={({ field, fieldState }) => (
+                    <Field data-invalid={fieldState.invalid}>
+                      <FieldLabel htmlFor="tx-installments">{f.installments}</FieldLabel>
+                      <Select value={field.value} onValueChange={field.onChange}>
+                        <SelectTrigger id="tx-installments" className="w-full">
+                          <SelectValue>
+                            {field.value === "1"
+                              ? f.singlePayment
+                              : f.installmentCount(Number(field.value))}
+                          </SelectValue>
+                        </SelectTrigger>
+                        <SelectContent className="max-h-72">
+                          {INSTALLMENT_OPTIONS.map((n) => (
+                            <SelectItem key={n} value={String(n)}>
+                              {n === 1 ? f.singlePayment : f.installmentCount(n)}
+                            </SelectItem>
+                          ))}
+                        </SelectContent>
+                      </Select>
+                      {Number(field.value) > 1 && totalMinor > 0 ? (
+                        <FieldDescription>
+                          {f.installmentHint(
+                            Number(field.value),
+                            formatMoney(Math.ceil(totalMinor / Number(field.value))),
+                          )}
+                        </FieldDescription>
+                      ) : null}
+                      {fieldState.invalid ? <FieldError errors={[fieldState.error]} /> : null}
+                    </Field>
+                  )}
+                />
+              ) : null}
               {type === "transfer" ? (
                 <Controller
                   name="toAccountId"
@@ -674,10 +751,30 @@ export function TransactionFormDialog({
                       · {t.list.split(splits.fields.length)}
                     </span>
                   ) : null}
+                  {attachmentCount ? (
+                    <span className="text-xs text-muted-foreground">
+                      · {tr.attachments.count(attachmentCount)}
+                    </span>
+                  ) : null}
                 </Button>
               </CollapsibleTrigger>
               <CollapsibleContent className="pt-3">
                 <FieldGroup>
+                  <Controller
+                    name="attachments"
+                    control={form.control}
+                    render={({ field }) => (
+                      <Field>
+                        <FieldLabel>{tr.attachments.title}</FieldLabel>
+                        <AttachmentPicker
+                          value={field.value}
+                          onChange={field.onChange}
+                          allowedKinds={allowedAttachmentKinds(type)}
+                          onBusyChange={setUploadBusy}
+                        />
+                      </Field>
+                    )}
+                  />
                   <Controller
                     name="tags"
                     control={form.control}

src/features/transactions/components/transaction-parts.tsx

@@ -0,0 +1,445 @@
+"use client";
+
+import {
+  ArrowLeftRight,
+  Coins,
+  Users,
+  CheckCheck,
+  Copy,
+  Pencil,
+  Scale,
+  Split,
+  Trash2,
+} from "lucide-react";
+import Link from "next/link";
+import { useState, useTransition } from "react";
+import { toast } from "sonner";
+import { IconBadge } from "@/components/appearance/swatch";
+import { useQuickAdd } from "@/components/layout/quick-add";
+import { ResponsiveDialog } from "@/components/responsive-dialog";
+import {
+  AlertDialog,
+  AlertDialogCancel,
+  AlertDialogContent,
+  AlertDialogDescription,
+  AlertDialogFooter,
+  AlertDialogHeader,
+  AlertDialogTitle,
+} from "@/components/ui/alert-dialog";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Skeleton } from "@/components/ui/skeleton";
+import { AttachmentStrip } from "@/features/attachments/components/attachment-strip";
+import { tr } from "@/i18n/tr";
+import { cn } from "@/lib/utils";
+import { formatDate, formatDateTime, formatMoney } from "@/shared/format";
+import type { TransactionType } from "@/shared/transactions";
+import {
+  cancelRemainingInstallmentsAction,
+  getTransactionAction,
+  setTransactionDeletedAction,
+} from "../actions";
+import type { TransactionDetail, TransactionListItem } from "../service";
+
+/** İşlem listesi, ayrıntı ve hesap ekstresinin paylaştığı parçalar. */
+
+const t = tr.transactions;
+const weekday = new Intl.DateTimeFormat("tr-TR", { weekday: "long", timeZone: "Europe/Istanbul" });
+
+/** "2026-11-05" → "05.11.2026 · Perşembe" */
+export function dayLabel(ymd: string) {
+  const d = new Date(`${ymd}T12:00:00+03:00`);
+  return `${formatDate(d)} · ${weekday.format(d)}`;
+}
+
+export function signed(type: TransactionType, amountMinor: number) {
+  return type === "income" ? amountMinor : type === "expense" ? -amountMinor : 0;
+}
+
+export function Amount({
+  type,
+  amountMinor,
+  className,
+}: {
+  type: TransactionType;
+  amountMinor: number;
+  className?: string;
+}) {
+  const text =
+    type === "income"
+      ? `+${formatMoney(amountMinor)}`
+      : type === "expense"
+        ? `−${formatMoney(amountMinor)}`
+        : formatMoney(amountMinor);
+  return (
+    <span
+      className={cn(
+        "font-semibold whitespace-nowrap tabular-nums",
+        type === "income" && "text-income",
+        type === "expense" && "text-expense",
+        type === "transfer" && "text-muted-foreground",
+        className,
+      )}
+    >
+      {text}
+    </span>
+  );
+}
+
+export function RowIcon({ item }: { item: TransactionListItem }) {
+  if (item.type === "transfer") {
+    return (
+      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-muted text-muted-foreground">
+        <ArrowLeftRight className="size-4.5" />
+      </span>
+    );
+  }
+  if (item.contact) {
+    return (
+      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-muted text-muted-foreground">
+        <Users className="size-4.5" />
+      </span>
+    );
+  }
+  if (item.isAdjustment) {
+    return (
+      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-muted text-muted-foreground">
+        <Scale className="size-4.5" />
+      </span>
+    );
+  }
+  if (item.splitCount) {
+    return (
+      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-budget/15 text-budget">
+        <Split className="size-4.5" />
+      </span>
+    );
+  }
+  return item.category ? (
+    <IconBadge icon={item.category.icon} color={item.category.color} />
+  ) : (
+    <IconBadge icon="tag" color="slate" />
+  );
+}
+
+export function rowTitle(item: TransactionListItem) {
+  const base = baseTitle(item);
+  // Taksit: "Hepsiburada 4/9"
+  return item.installment ? `${base} ${item.installment.index}/${item.installment.count}` : base;
+}
+
+function baseTitle(item: TransactionListItem) {
+  if (item.isAdjustment) return t.adjustment;
+  if (item.contact) return item.contact.name;
+  if (item.asset) return item.asset.name;
+  if (item.payeeName) return item.payeeName;
+  if (item.description) return item.description;
+  if (item.type === "transfer") return t.types.transfer;
+  return item.category?.name ?? t.types[item.type];
+}
+
+export function rowSubtitle(item: TransactionListItem) {
+  if (item.contact) {
+    const account = item.account?.name ?? item.toAccount?.name ?? "—";
+    return `${tr.contacts.kinds[item.contact.kind]} · ${account}`;
+  }
+  if (item.asset)
+    return item.account
+      ? t.list.transfer(item.account.name, item.asset.name)
+      : t.list.transfer(item.asset.name, item.toAccount?.name ?? "—");
+  if (item.type === "transfer")
+    return t.list.transfer(item.account?.name ?? "—", item.toAccount?.name ?? "—");
+  const what = item.isAdjustment
+    ? item.description
+    : item.splitCount
+      ? t.list.split(item.splitCount)
+      : (item.category?.path ?? "—");
+  return `${what} · ${item.account?.name ?? "—"}`;
+}
+
+function DetailDialog({
+  detail,
+  loading,
+  canWrite,
+  onOpenChange,
+  onEdit,
+  onCopy,
+  onDelete,
+  onCancelInstallments,
+}: {
+  detail: TransactionDetail | null;
+  loading: boolean;
+  canWrite: boolean;
+  onOpenChange: (o: boolean) => void;
+  onEdit: (d: TransactionDetail) => void;
+  onCopy: (d: TransactionDetail) => void;
+  onDelete: (d: TransactionDetail) => void;
+  onCancelInstallments: (d: TransactionDetail) => void;
+}) {
+  const d = t.detail;
+  const row = (label: string, value: React.ReactNode) => (
+    <div className="flex items-start justify-between gap-4 py-2 text-sm">
+      <dt className="text-muted-foreground">{label}</dt>
+      <dd className="text-right">{value}</dd>
+    </div>
+  );
+  return (
+    <ResponsiveDialog
+      open={loading || Boolean(detail)}
+      onOpenChange={onOpenChange}
+      title={d.title}
+      footer={
+        detail && canWrite && detail.asset ? (
+          <Button asChild>
+            <Link href={`/birikim/${detail.asset.id}`}>
+              <Coins />
+              {tr.assets.open}
+            </Link>
+          </Button>
+        ) : detail && canWrite ? (
+          <>
+            <Button variant="destructive" onClick={() => onDelete(detail)}>
+              <Trash2 />
+              {t.actions.delete}
+            </Button>
+            {/* Mutabakat düzeltmesi düzenlenemez/kopyalanamaz; cari hareketi cari sayfasında. */}
+            {detail.contact ? (
+              <Button asChild>
+                <Link href={`/cari/${detail.contact.id}`}>
+                  <Pencil />
+                  {tr.contacts.openContact}
+                </Link>
+              </Button>
+            ) : detail.isAdjustment ? null : (
+              <>
+                <Button variant="outline" onClick={() => onCopy(detail)}>
+                  <Copy />
+                  {t.actions.copy}
+                </Button>
+                <Button onClick={() => onEdit(detail)}>
+                  <Pencil />
+                  {t.actions.edit}
+                </Button>
+              </>
+            )}
+          </>
+        ) : null
+      }
+    >
+      {!detail ? (
+        <div className="flex flex-col gap-3" role="status" aria-label={tr.common.loading}>
+          <Skeleton className="h-10 w-1/2" />
+          <Skeleton className="h-32 w-full" />
+        </div>
+      ) : (
+        <div className="flex flex-col gap-3">
+          <div className="flex items-center gap-3">
+            <RowIcon item={detail} />
+            <div className="min-w-0 flex-1">
+              <p className="truncate font-medium">{rowTitle(detail)}</p>
+              <p className="text-xs text-muted-foreground">{dayLabel(detail.date)}</p>
+            </div>
+            <Amount type={detail.type} amountMinor={detail.amountMinor} className="text-lg" />
+          </div>
+          <dl className="divide-y border-y">
+            {row(t.filters.type, <Badge variant="secondary">{t.types[detail.type]}</Badge>)}
+            {detail.status !== "posted" ? row(t.filters.status, t.statuses[detail.status]) : null}
+            {detail.contact
+              ? row(
+                  tr.contacts.contact,
+                  <Link href={`/cari/${detail.contact.id}`} className="hover:underline">
+                    {detail.contact.name} · {tr.contacts.kinds[detail.contact.kind]}
+                  </Link>,
+                )
+              : null}
+            {detail.asset
+              ? row(
+                  tr.assets.asset,
+                  <Link href={`/birikim/${detail.asset.id}`} className="hover:underline">
+                    {detail.asset.name}
+                  </Link>,
+                )
+              : null}
+            {detail.account
+              ? row(
+                  detail.type === "transfer" ? t.fields.fromAccount : t.fields.account,
+                  detail.account.name,
+                )
+              : null}
+            {detail.toAccount ? row(t.fields.toAccount, detail.toAccount.name) : null}
+            {detail.category ? row(t.fields.category, detail.category.path) : null}
+            {detail.isAdjustment ? row(t.fields.category, t.adjustment) : null}
+            {detail.payeeName ? row(t.fields.payee, detail.payeeName) : null}
+            {detail.description ? row(t.fields.description, detail.description) : null}
+            {detail.tags.length
+              ? row(
+                  t.fields.tags,
+                  <span className="flex flex-wrap justify-end gap-1">
+                    {detail.tags.map((tag) => (
+                      <Badge key={tag} variant="outline">
+                        #{tag}
+                      </Badge>
+                    ))}
+                  </span>,
+                )
+              : null}
+            {detail.attachments.length
+              ? row(
+                  tr.attachments.title,
+                  <span className="flex justify-end">
+                    <AttachmentStrip items={detail.attachments} />
+                  </span>,
+                )
+              : null}
+            {detail.installment
+              ? row(
+                  t.fields.installments,
+                  <span className="flex flex-col items-end gap-1">
+                    <span>
+                      {detail.installment.index}/{detail.installment.count}
+                    </span>
+                    {canWrite &&
+                    (detail.status === "planned" ||
+                      detail.installment.index < detail.installment.count) ? (
+                      <Button
+                        size="sm"
+                        variant="outline"
+                        onClick={() => onCancelInstallments(detail)}
+                      >
+                        {t.cancelInstallments}
+                      </Button>
+                    ) : null}
+                  </span>,
+                )
+              : null}
+            {detail.reconciledAccountIds.length
+              ? row(
+                  tr.statement.reconcile.title,
+                  <span className="inline-flex items-center gap-1 text-income">
+                    <CheckCheck className="size-4" aria-hidden />
+                    {t.reconciled}
+                  </span>,
+                )
+              : null}
+            {row(d.createdBy, `${detail.createdBy.name} · ${formatDateTime(detail.createdAt)}`)}
+            {new Date(detail.updatedAt).getTime() - new Date(detail.createdAt).getTime() > 1000
+              ? row(d.updatedBy, `${detail.updatedBy.name} · ${formatDateTime(detail.updatedAt)}`)
+              : null}
+          </dl>
+          {detail.splits.length ? (
+            <section aria-labelledby="tx-lines">
+              <h3 id="tx-lines" className="mb-1 text-sm font-medium">
+                {d.lines}
+              </h3>
+              <ul className="divide-y rounded-lg border">
+                {detail.splits.map((s, i) => (
+                  <li key={i} className="flex items-center gap-3 p-2 text-sm">
+                    <IconBadge icon={s.icon} color={s.color} size="sm" />
+                    <span className="min-w-0 flex-1">
+                      <span className="block truncate">{s.path}</span>
+                      {s.note ? (
+                        <span className="block truncate text-xs text-muted-foreground">
+                          {s.note}
+                        </span>
+                      ) : null}
+                    </span>
+                    <span className="tabular-nums">{formatMoney(s.amountMinor)}</span>
+                  </li>
+                ))}
+              </ul>
+            </section>
+          ) : null}
+        </div>
+      )}
+    </ResponsiveDialog>
+  );
+}
+
+/**
+ * Ayrıntı penceresi + silme onayı + geri al bildirimi. Liste ve ekstre aynı davranışı kullanır;
+ * düzenle/kopyala uygulama genelindeki işlem formunu açar.
+ */
+export function useTransactionDetail(canWrite: boolean) {
+  const { openTransactionForm } = useQuickAdd();
+  const [detail, setDetail] = useState<TransactionDetail | null>(null);
+  const [loading, setLoading] = useState(false);
+  const [deleting, setDeleting] = useState<TransactionDetail | null>(null);
+  const [, startTransition] = useTransition();
+
+  async function openDetail(id: string) {
+    setLoading(true);
+    setDetail(null);
+    const res = await getTransactionAction(id);
+    setLoading(false);
+    if (res.ok) setDetail(res.data);
+    else toast.error(res.error);
+  }
+
+  function close() {
+    setDetail(null);
+    setLoading(false);
+  }
+
+  function remove(d: TransactionDetail) {
+    setDeleting(null);
+    close();
+    startTransition(async () => {
+      const res = await setTransactionDeletedAction(d.id, true);
+      if (!res.ok) return void toast.error(res.error);
+      toast.success(t.toast.deleted, {
+        duration: 10_000,
+        action: {
+          label: t.actions.restore,
+          onClick: async () => {
+            const r = await setTransactionDeletedAction(d.id, false);
+            if (r.ok) toast.success(t.toast.restored);
+            else toast.error(r.error);
+          },
+        },
+      });
+    });
+  }
+
+  const element = (
+    <>
+      <DetailDialog
+        detail={detail}
+        loading={loading}
+        canWrite={canWrite}
+        onOpenChange={(o) => !o && close()}
+        onEdit={(d) => {
+          close();
+          openTransactionForm({ kind: "edit", transaction: d });
+        }}
+        onCopy={(d) => {
+          close();
+          openTransactionForm({ kind: "copy", transaction: d });
+        }}
+        onDelete={setDeleting}
+        onCancelInstallments={(d) => {
+          close();
+          startTransition(async () => {
+            const r = await cancelRemainingInstallmentsAction(d.id);
+            if (r.ok) toast.success(t.toast.installmentsCancelled(r.data.cancelled));
+            else toast.error(r.error);
+          });
+        }}
+      />
+      <AlertDialog open={Boolean(deleting)} onOpenChange={(o) => !o && setDeleting(null)}>
+        <AlertDialogContent>
+          <AlertDialogHeader>
+            <AlertDialogTitle>{t.deleteTitle}</AlertDialogTitle>
+            <AlertDialogDescription>{t.deleteDescription}</AlertDialogDescription>
+          </AlertDialogHeader>
+          <AlertDialogFooter>
+            <AlertDialogCancel>{tr.common.cancel}</AlertDialogCancel>
+            <Button variant="destructive" onClick={() => deleting && remove(deleting)}>
+              {t.actions.delete}
+            </Button>
+          </AlertDialogFooter>
+        </AlertDialogContent>
+      </AlertDialog>
+    </>
+  );
+  return { openDetail, element };
+}

src/features/transactions/components/transactions-view.tsx

@@ -1,36 +1,12 @@
 "use client";
 
-import {
-  ArrowLeftRight,
-  ChevronLeft,
-  ChevronRight,
-  Copy,
-  Download,
-  Filter,
-  Paperclip,
-  Pencil,
-  Plus,
-  Split,
-  Trash2,
-  X,
-} from "lucide-react";
+import { ChevronLeft, ChevronRight, Download, Filter, Paperclip, Plus, X } from "lucide-react";
 import Link from "next/link";
 import { usePathname, useRouter } from "next/navigation";
-import { useState, useTransition } from "react";
-import { toast } from "sonner";
-import { IconBadge } from "@/components/appearance/swatch";
+import { useState } from "react";
 import { useQuickAdd } from "@/components/layout/quick-add";
 import { MoneyInput } from "@/components/money-input";
 import { ResponsiveDialog } from "@/components/responsive-dialog";
-import {
-  AlertDialog,
-  AlertDialogCancel,
-  AlertDialogContent,
-  AlertDialogDescription,
-  AlertDialogFooter,
-  AlertDialogHeader,
-  AlertDialogTitle,
-} from "@/components/ui/alert-dialog";
 import { Badge } from "@/components/ui/badge";
 import { Button } from "@/components/ui/button";
 import { Card, CardDescription, CardHeader, CardTitle } from "@/components/ui/card";
@@ -43,103 +19,24 @@ import {
   SelectTrigger,
   SelectValue,
 } from "@/components/ui/select";
-import { Skeleton } from "@/components/ui/skeleton";
 import { tr } from "@/i18n/tr";
 import { cn } from "@/lib/utils";
-import { formatDate, formatDateTime, formatMoney } from "@/shared/format";
+import { formatMoney } from "@/shared/format";
 import type { TransactionFilters } from "@/shared/schemas/transaction";
+import { TRANSACTION_STATUSES, TRANSACTION_TYPES } from "@/shared/transactions";
+import type { TransactionFormOptions, TransactionListItem, TransactionPage } from "../service";
 import {
-  TRANSACTION_STATUSES,
-  TRANSACTION_TYPES,
-  type TransactionType,
-} from "@/shared/transactions";
-import { getTransactionAction, setTransactionDeletedAction } from "../actions";
-import type {
-  TransactionDetail,
-  TransactionFormOptions,
-  TransactionListItem,
-  TransactionPage,
-} from "../service";
+  Amount,
+  dayLabel,
+  RowIcon,
+  rowSubtitle,
+  rowTitle,
+  signed,
+  useTransactionDetail,
+} from "./transaction-parts";
 
 const t = tr.transactions;
 const ALL = "__all__";
-const weekday = new Intl.DateTimeFormat("tr-TR", { weekday: "long", timeZone: "Europe/Istanbul" });
-
-/** "2026-11-05" → "05.11.2026 · Perşembe" */
-function dayLabel(ymd: string) {
-  const d = new Date(`${ymd}T12:00:00+03:00`);
-  return `${formatDate(d)} · ${weekday.format(d)}`;
-}
-
-function signed(type: TransactionType, amountMinor: number) {
-  return type === "income" ? amountMinor : type === "expense" ? -amountMinor : 0;
-}
-
-function Amount({
-  type,
-  amountMinor,
-  className,
-}: {
-  type: TransactionType;
-  amountMinor: number;
-  className?: string;
-}) {
-  const text =
-    type === "income"
-      ? `+${formatMoney(amountMinor)}`
-      : type === "expense"
-        ? `−${formatMoney(amountMinor)}`
-        : formatMoney(amountMinor);
-  return (
-    <span
-      className={cn(
-        "font-semibold whitespace-nowrap tabular-nums",
-        type === "income" && "text-income",
-        type === "expense" && "text-expense",
-        type === "transfer" && "text-muted-foreground",
-        className,
-      )}
-    >
-      {text}
-    </span>
-  );
-}
-
-function RowIcon({ item }: { item: TransactionListItem }) {
-  if (item.type === "transfer") {
-    return (
-      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-muted text-muted-foreground">
-        <ArrowLeftRight className="size-4.5" />
-      </span>
-    );
-  }
-  if (item.splitCount) {
-    return (
-      <span className="inline-flex size-9 shrink-0 items-center justify-center rounded-full bg-budget/15 text-budget">
-        <Split className="size-4.5" />
-      </span>
-    );
-  }
-  return item.category ? (
-    <IconBadge icon={item.category.icon} color={item.category.color} />
-  ) : (
-    <IconBadge icon="tag" color="slate" />
-  );
-}
-
-function rowTitle(item: TransactionListItem) {
-  if (item.payeeName) return item.payeeName;
-  if (item.description) return item.description;
-  if (item.type === "transfer") return t.types.transfer;
-  return item.category?.name ?? t.types[item.type];
-}
-
-function rowSubtitle(item: TransactionListItem) {
-  if (item.type === "transfer")
-    return t.list.transfer(item.account.name, item.toAccount?.name ?? "—");
-  const what = item.splitCount ? t.list.split(item.splitCount) : (item.category?.path ?? "—");
-  return `${what} · ${item.account.name}`;
-}
 
 // --- Filtreler ---
 
@@ -318,126 +215,6 @@ function FiltersDialog({
 
 // --- Ayrıntı ---
 
-function DetailDialog({
-  detail,
-  loading,
-  canWrite,
-  onOpenChange,
-  onEdit,
-  onCopy,
-  onDelete,
-}: {
-  detail: TransactionDetail | null;
-  loading: boolean;
-  canWrite: boolean;
-  onOpenChange: (o: boolean) => void;
-  onEdit: (d: TransactionDetail) => void;
-  onCopy: (d: TransactionDetail) => void;
-  onDelete: (d: TransactionDetail) => void;
-}) {
-  const d = t.detail;
-  const row = (label: string, value: React.ReactNode) => (
-    <div className="flex items-start justify-between gap-4 py-2 text-sm">
-      <dt className="text-muted-foreground">{label}</dt>
-      <dd className="text-right">{value}</dd>
-    </div>
-  );
-  return (
-    <ResponsiveDialog
-      open={loading || Boolean(detail)}
-      onOpenChange={onOpenChange}
-      title={d.title}
-      footer={
-        detail && canWrite ? (
-          <>
-            <Button variant="destructive" onClick={() => onDelete(detail)}>
-              <Trash2 />
-              {t.actions.delete}
-            </Button>
-            <Button variant="outline" onClick={() => onCopy(detail)}>
-              <Copy />
-              {t.actions.copy}
-            </Button>
-            <Button onClick={() => onEdit(detail)}>
-              <Pencil />
-              {t.actions.edit}
-            </Button>
-          </>
-        ) : null
-      }
-    >
-      {!detail ? (
-        <div className="flex flex-col gap-3" role="status" aria-label={tr.common.loading}>
-          <Skeleton className="h-10 w-1/2" />
-          <Skeleton className="h-32 w-full" />
-        </div>
-      ) : (
-        <div className="flex flex-col gap-3">
-          <div className="flex items-center gap-3">
-            <RowIcon item={detail} />
-            <div className="min-w-0 flex-1">
-              <p className="truncate font-medium">{rowTitle(detail)}</p>
-              <p className="text-xs text-muted-foreground">{dayLabel(detail.date)}</p>
-            </div>
-            <Amount type={detail.type} amountMinor={detail.amountMinor} className="text-lg" />
-          </div>
-          <dl className="divide-y border-y">
-            {row(t.filters.type, <Badge variant="secondary">{t.types[detail.type]}</Badge>)}
-            {detail.status !== "posted" ? row(t.filters.status, t.statuses[detail.status]) : null}
-            {row(
-              detail.type === "transfer" ? t.fields.fromAccount : t.fields.account,
-              detail.account.name,
-            )}
-            {detail.toAccount ? row(t.fields.toAccount, detail.toAccount.name) : null}
-            {detail.category ? row(t.fields.category, detail.category.path) : null}
-            {detail.payeeName ? row(t.fields.payee, detail.payeeName) : null}
-            {detail.description ? row(t.fields.description, detail.description) : null}
-            {detail.tags.length
-              ? row(
-                  t.fields.tags,
-                  <span className="flex flex-wrap justify-end gap-1">
-                    {detail.tags.map((tag) => (
-                      <Badge key={tag} variant="outline">
-                        #{tag}
-                      </Badge>
-                    ))}
-                  </span>,
-                )
-              : null}
-            {row(d.createdBy, `${detail.createdBy.name} · ${formatDateTime(detail.createdAt)}`)}
-            {new Date(detail.updatedAt).getTime() - new Date(detail.createdAt).getTime() > 1000
-              ? row(d.updatedBy, `${detail.updatedBy.name} · ${formatDateTime(detail.updatedAt)}`)
-              : null}
-          </dl>
-          {detail.splits.length ? (
-            <section aria-labelledby="tx-lines">
-              <h3 id="tx-lines" className="mb-1 text-sm font-medium">
-                {d.lines}
-              </h3>
-              <ul className="divide-y rounded-lg border">
-                {detail.splits.map((s, i) => (
-                  <li key={i} className="flex items-center gap-3 p-2 text-sm">
-                    <IconBadge icon={s.icon} color={s.color} size="sm" />
-                    <span className="min-w-0 flex-1">
-                      <span className="block truncate">{s.path}</span>
-                      {s.note ? (
-                        <span className="block truncate text-xs text-muted-foreground">
-                          {s.note}
-                        </span>
-                      ) : null}
-                    </span>
-                    <span className="tabular-nums">{formatMoney(s.amountMinor)}</span>
-                  </li>
-                ))}
-              </ul>
-            </section>
-          ) : null}
-        </div>
-      )}
-    </ResponsiveDialog>
-  );
-}
-
 // --- Ana görünüm ---
 
 export function TransactionsView({
@@ -454,12 +231,9 @@ export function TransactionsView({
   canWrite: boolean;
 }) {
   const pathname = usePathname();
-  const { openQuickAdd, openTransactionForm } = useQuickAdd();
+  const { openQuickAdd } = useQuickAdd();
   const [filtersOpen, setFiltersOpen] = useState(false);
-  const [detail, setDetail] = useState<TransactionDetail | null>(null);
-  const [detailLoading, setDetailLoading] = useState(false);
-  const [deleting, setDeleting] = useState<TransactionDetail | null>(null);
-  const [, startTransition] = useTransition();
+  const { openDetail, element: detailElement } = useTransactionDetail(canWrite);
   const active = countActive(filters);
 
   const pageHref = (page: number) => {
@@ -474,40 +248,6 @@ export function TransactionsView({
     return `/islemler/disa-aktar${params.size ? `?${params}` : ""}`;
   };
 
-  async function openDetail(id: string) {
-    setDetailLoading(true);
-    setDetail(null);
-    const res = await getTransactionAction(id);
-    setDetailLoading(false);
-    if (res.ok) setDetail(res.data);
-    else toast.error(res.error);
-  }
-
-  function closeDetail() {
-    setDetail(null);
-    setDetailLoading(false);
-  }
-
-  function remove(d: TransactionDetail) {
-    setDeleting(null);
-    closeDetail();
-    startTransition(async () => {
-      const res = await setTransactionDeletedAction(d.id, true);
-      if (!res.ok) return void toast.error(res.error);
-      toast.success(t.toast.deleted, {
-        duration: 10_000,
-        action: {
-          label: t.actions.restore,
-          onClick: async () => {
-            const r = await setTransactionDeletedAction(d.id, false);
-            if (r.ok) toast.success(t.toast.restored);
-            else toast.error(r.error);
-          },
-        },
-      });
-    });
-  }
-
   // Sayfadaki işlemleri güne göre grupla (liste zaten tarihe göre sıralı).
   const groups: { date: string; items: TransactionListItem[] }[] = [];
   for (const item of data.items) {
@@ -679,35 +419,7 @@ export function TransactionsView({
         raw={raw}
         options={options}
       />
-      <DetailDialog
-        detail={detail}
-        loading={detailLoading}
-        canWrite={canWrite}
-        onOpenChange={(o) => !o && closeDetail()}
-        onEdit={(d) => {
-          closeDetail();
-          openTransactionForm({ kind: "edit", transaction: d });
-        }}
-        onCopy={(d) => {
-          closeDetail();
-          openTransactionForm({ kind: "copy", transaction: d });
-        }}
-        onDelete={setDeleting}
-      />
-      <AlertDialog open={Boolean(deleting)} onOpenChange={(o) => !o && setDeleting(null)}>
-        <AlertDialogContent>
-          <AlertDialogHeader>
-            <AlertDialogTitle>{t.deleteTitle}</AlertDialogTitle>
-            <AlertDialogDescription>{t.deleteDescription}</AlertDialogDescription>
-          </AlertDialogHeader>
-          <AlertDialogFooter>
-            <AlertDialogCancel>{tr.common.cancel}</AlertDialogCancel>
-            <Button variant="destructive" onClick={() => deleting && remove(deleting)}>
-              {t.actions.delete}
-            </Button>
-          </AlertDialogFooter>
-        </AlertDialogContent>
-      </AlertDialog>
+      {detailElement}
     </div>
   );
 }

src/features/transactions/service.int.test.ts

@@ -51,6 +51,8 @@ function form(over: Partial<TransactionForm>): TransactionForm {
     payee: "",
     description: "",
     tags: [],
+    attachmentIds: [],
+    installments: 1,
     ...over,
   };
 }
@@ -83,6 +85,7 @@ describe("bakiye tutarlılığı", () => {
       cardDueKind: "daysAfter" as const,
       cardDueValue: 10,
       cardPaymentAccountId: null,
+      cardMinimumRate: null,
     };
     const b = await createAccount(ids.user("ayse"), cakir, {
       ...base,
@@ -380,7 +383,7 @@ describe("filtreler", () => {
     );
     expect(byAccount!.total).toBeGreaterThan(0);
     expect(
-      byAccount!.items.every((i) => i.toAccount?.id === cuzdan || i.account.id === cuzdan),
+      byAccount!.items.every((i) => i.toAccount?.id === cuzdan || i.account!.id === cuzdan),
     ).toBe(true);
   });
 

src/features/transactions/service.ts

@@ -1,5 +1,10 @@
 import "server-only";
-import { Types, type PipelineStage } from "mongoose";
+import mongoose, { Types, type ClientSession, type PipelineStage } from "mongoose";
+import {
+  listOwnerAttachments,
+  syncOwnerAttachments,
+  type AttachmentInfo,
+} from "@/features/attachments/service";
 import { resolveMembership } from "@/features/households/service";
 import { buildTree, toOptions, type CategoryOption } from "@/features/categories/tree";
 import { tr } from "@/i18n/tr";
@@ -8,12 +13,17 @@ import { writeAudit } from "@/lib/audit";
 import { getDb } from "@/lib/db/mongo";
 import { toObjectId } from "@/lib/object-id";
 import { AccountModel } from "@/models/account";
+import { AssetModel } from "@/models/asset";
+import { ContactModel } from "@/models/contact";
 import { CategoryModel } from "@/models/category";
 import { PayeeModel } from "@/models/payee";
 import { TransactionModel } from "@/models/transaction";
 import type { AccountType } from "@/shared/accounts";
+import type { ContactEntryKind } from "@/shared/contacts";
+import { allowedAttachmentKinds } from "@/shared/attachments";
 import type { IconKey, Swatch } from "@/shared/appearance";
-import { istanbulDayStart, toIstanbulYmd } from "@/shared/dates";
+import { installmentSchedule } from "@/shared/card-periods";
+import { istanbulDayStart, todayIstanbul, toIstanbulYmd } from "@/shared/dates";
 import type { CategoryKind } from "@/shared/schemas/category";
 import type { TransactionFilters, TransactionForm } from "@/shared/schemas/transaction";
 import { compareTr, foldTr } from "@/shared/search";
@@ -52,10 +62,16 @@ type CategoryInfo = {
   ancestors: string[];
 };
 
-async function loadContext(userId: string, householdId: string, minRole: "viewer" | "member") {
+/** Hane bağlamı (hesap/kategori haritaları, gizli hesaplar). İşlemler modülü içinde paylaşılır. */
+export async function loadContext(
+  userId: string,
+  householdId: string,
+  minRole: "viewer" | "member",
+) {
   const m = await resolveMembership(userId, householdId, minRole);
   if (!m) return null;
-  const [accounts, categories] = await Promise.all([
+  await postDueInstallments(m.householdId);
+  const [accounts, categories, contacts, assets] = await Promise.all([
     AccountModel.find({ householdId: m.householdId })
       .select({ name: 1, type: 1, archivedAt: 1, isPrivate: 1, ownerUserId: 1, icon: 1, color: 1 })
       .lean(),
@@ -71,6 +87,12 @@ async function loadContext(userId: string, householdId: string, minRole: "viewer
         ancestors: 1,
       })
       .lean(),
+    ContactModel.find({ householdId: m.householdId })
+      .select({ name: 1, isPrivate: 1, ownerUserId: 1, archivedAt: 1 })
+      .lean(),
+    AssetModel.find({ householdId: m.householdId })
+      .select({ name: 1, assetKey: 1, isPrivate: 1, ownerUserId: 1, deletedAt: 1 })
+      .lean(),
   ]);
   const accountMap = new Map<string, AccountInfo>(
     accounts.map((a) => [
@@ -113,18 +135,55 @@ async function loadContext(userId: string, householdId: string, minRole: "viewer
     ]),
   );
   const hiddenAccountIds = [...accountMap.values()].filter((a) => a.hidden).map((a) => a.id);
-  return { m, accountMap, categoryMap, hiddenAccountIds, flatCategories: flat };
+  const contactMap = new Map(
+    contacts.map((c) => [
+      String(c._id),
+      {
+        id: c._id,
+        name: c.name,
+        archived: Boolean(c.archivedAt),
+        hidden: Boolean(c.isPrivate) && String(c.ownerUserId) !== userId,
+      },
+    ]),
+  );
+  const hiddenContactIds = [...contactMap.values()].filter((c) => c.hidden).map((c) => c.id);
+  const assetMap = new Map(
+    assets.map((a) => [
+      String(a._id),
+      {
+        id: a._id,
+        name: a.name,
+        assetKey: a.assetKey,
+        deleted: Boolean(a.deletedAt),
+        hidden: Boolean(a.isPrivate) && String(a.ownerUserId) !== userId,
+      },
+    ]),
+  );
+  const hiddenAssetIds = [...assetMap.values()].filter((a) => a.hidden).map((a) => a.id);
+  return {
+    m,
+    accountMap,
+    categoryMap,
+    contactMap,
+    hiddenAccountIds,
+    hiddenContactIds,
+    assetMap,
+    hiddenAssetIds,
+    flatCategories: flat,
+  };
 }
 
-type Ctx = NonNullable<Awaited<ReturnType<typeof loadContext>>>;
+export type Ctx = NonNullable<Awaited<ReturnType<typeof loadContext>>>;
 
-/** Gizli hesaplara dokunan işlemleri dışlayan temel filtre. */
-function baseFilter(ctx: Ctx): Record<string, unknown> {
+/** Gizli hesaplara, gizli carilere veya gizli varlıklara dokunan işlemleri dışlayan temel filtre. */
+export function baseFilter(ctx: Ctx): Record<string, unknown> {
   const f: Record<string, unknown> = { householdId: ctx.m.householdId, deletedAt: null };
   if (ctx.hiddenAccountIds.length) {
     f.accountId = { $nin: ctx.hiddenAccountIds };
     f.toAccountId = { $nin: ctx.hiddenAccountIds };
   }
+  if (ctx.hiddenContactIds.length) f.contactId = { $nin: ctx.hiddenContactIds };
+  if (ctx.hiddenAssetIds.length) f.assetId = { $nin: ctx.hiddenAssetIds };
   return f;
 }
 
@@ -134,9 +193,28 @@ function baseFilter(ctx: Ctx): Record<string, unknown> {
  * Hesap bazında işlem etkileri toplamı (kuruş): yalnızca posted ve silinmemiş işlemler.
  * transactionEffects ile aynı kural: gelir +, gider −, transfer kaynak − / hedef +.
  */
+/**
+ * Vadesi gelen taksitleri gerçekleştirir (planlı → posted). Okuma yollarında çağrılır; zamanlanmış
+ * görev gerekmez. Taksitler onay beklemez (Faz 7 kararı: kendi döneminde otomatik).
+ */
+export async function postDueInstallments(householdId: Types.ObjectId, today = todayIstanbul()) {
+  const tomorrow = istanbulDayStart(today)!.getTime() + DAY_MS;
+  await TransactionModel.updateMany(
+    {
+      householdId,
+      status: "planned",
+      deletedAt: null,
+      "installment.planId": { $type: "objectId" },
+      date: { $lt: new Date(tomorrow) },
+    },
+    { $set: { status: "posted" } },
+  );
+}
+
 export async function computeAccountDeltas(
   householdId: Types.ObjectId,
 ): Promise<Map<string, number>> {
+  await postDueInstallments(householdId);
   const pipeline: PipelineStage[] = [
     { $match: { householdId, status: "posted", deletedAt: null } },
     {
@@ -189,13 +267,13 @@ function checkCategory(
 }
 
 type Existing = {
-  accountId: Types.ObjectId;
+  accountId?: Types.ObjectId | null;
   toAccountId?: Types.ObjectId | null;
   categoryId?: Types.ObjectId | null;
   splits?: { categoryId: Types.ObjectId }[];
 };
 
-function buildDoc(
+export function buildDoc(
   ctx: Ctx,
   input: TransactionForm,
   existing?: Existing,
@@ -206,7 +284,7 @@ function buildDoc(
   const accountId = checkAccount(
     ctx,
     input.accountId,
-    existing ? String(existing.accountId) : null,
+    existing?.accountId ? String(existing.accountId) : null,
   );
   if (!accountId)
     return fail(t.validation.accountInvalid, { accountId: t.validation.accountInvalid });
@@ -269,7 +347,7 @@ function buildDoc(
 }
 
 /** Satıcı kuralını günceller (son kategori ve hesap) ve kimliğini döner. */
-async function touchPayee(
+export async function touchPayee(
   householdId: Types.ObjectId,
   name: string,
   type: TransactionType,
@@ -307,6 +385,11 @@ export async function createTransaction(
   const built = buildDoc(ctx, input);
   if (!built.ok) return built;
   const d = built.data as { accountId: Types.ObjectId; categoryId: Types.ObjectId | null };
+  if (input.installments > 1 && ctx.accountMap.get(String(d.accountId))?.type !== "credit_card") {
+    return fail(t.validation.installmentsCardOnly, {
+      installments: t.validation.installmentsCardOnly,
+    });
+  }
   // Bölünmüş işlemde tek bir kategori önerilemez; satıcı kuralı yalnızca hesabı hatırlar.
   const payeeId = await touchPayee(
     ctx.m.householdId,
@@ -316,18 +399,76 @@ export async function createTransaction(
     d.categoryId,
   );
   const actor = new Types.ObjectId(actorId);
-  const doc = await TransactionModel.create({
-    ...built.data,
-    householdId: ctx.m.householdId,
-    status: "posted",
-    payeeId,
-    createdBy: actor,
-    updatedBy: actor,
-  });
-  return ok({ id: String(doc._id) });
+  try {
+    let id = "";
+    await mongoose.connection.transaction(async (session) => {
+      const base = {
+        ...built.data,
+        householdId: ctx.m.householdId,
+        status: "posted",
+        payeeId,
+        createdBy: actor,
+        updatedBy: actor,
+      };
+      // Taksitli: her taksit ayrı işlem; vadesi gelmeyenler planlı (kendi döneminde gerçekleşir).
+      const today = todayIstanbul();
+      const planId = new Types.ObjectId();
+      const docs =
+        input.installments > 1
+          ? installmentSchedule(input.date, input.amount, input.installments).map((x) => ({
+              ...base,
+              amountMinor: x.amountMinor,
+              date: istanbulDayStart(x.date)!,
+              status: x.date <= today ? "posted" : "planned",
+              installment: { planId, index: x.index + 1, count: input.installments },
+            }))
+          : [base];
+      const created = await TransactionModel.insertMany(docs as Record<string, unknown>[], {
+        session,
+      });
+      const first = created[0]!;
+      id = String(first._id);
+      await attach(ctx, actorId, first._id, input, session);
+    });
+    return ok({ id });
+  } catch (error) {
+    if (error instanceof AttachmentError) return error.result;
+    throw error;
+  }
 }
 
-async function loadOwnTransaction(
+/** Ek senkronizasyonu başarısızsa transaction'ı geri almak için fırlatılır. */
+class AttachmentError extends Error {
+  constructor(readonly result: ActionResult<never>) {
+    super(result.ok ? "" : result.error);
+  }
+}
+
+async function attach(
+  ctx: Ctx,
+  actorId: string,
+  transactionId: Types.ObjectId,
+  input: TransactionForm,
+  session: ClientSession,
+) {
+  const synced = await syncOwnerAttachments({
+    householdId: ctx.m.householdId,
+    actorId,
+    ownerType: "transaction",
+    ownerId: transactionId,
+    ids: input.attachmentIds,
+    allowedKinds: allowedAttachmentKinds(input.type),
+    session,
+  });
+  if (!synced.ok) throw new AttachmentError(synced);
+  await TransactionModel.updateOne(
+    { _id: transactionId, householdId: ctx.m.householdId },
+    { $set: { attachmentCount: synced.data } },
+    { session },
+  );
+}
+
+export async function loadOwnTransaction(
   ctx: Ctx,
   transactionId: string,
   { includeDeleted = false } = {},
@@ -349,9 +490,20 @@ export async function updateTransaction(
   if (!ctx) return fail(tr.common.unauthorized);
   const current = await loadOwnTransaction(ctx, transactionId);
   if (!current) return fail(tr.common.notFound);
+  if (current.isAdjustment) return fail(t.adjustmentReadOnly);
+  // Cari hareketi cari sayfasındaki formla düzenlenir (tür ve yön cariye özgü).
+  if (current.contactId) return fail(t.contactEditHint);
+  if (current.assetId) return fail(t.assetLocked);
   const built = buildDoc(ctx, input, current);
   if (!built.ok) return built;
-  const d = built.data as { accountId: Types.ObjectId; categoryId: Types.ObjectId | null };
+  const d = built.data as {
+    type: TransactionType;
+    date: Date;
+    amountMinor: number;
+    accountId: Types.ObjectId;
+    toAccountId: Types.ObjectId | null;
+    categoryId: Types.ObjectId | null;
+  };
   const payeeId = await touchPayee(
     ctx.m.householdId,
     input.payee,
@@ -359,10 +511,35 @@ export async function updateTransaction(
     d.accountId,
     d.categoryId,
   );
-  await TransactionModel.updateOne(
-    { _id: current._id, householdId: ctx.m.householdId },
-    { $set: { ...built.data, payeeId, updatedBy: new Types.ObjectId(actorId) } },
-  );
+  // Bakiyeyi etkileyen bir alan değiştiyse mutabakat işareti geçersizleşir.
+  const balanceChanged =
+    d.type !== current.type ||
+    d.amountMinor !== current.amountMinor ||
+    d.date.getTime() !== new Date(current.date).getTime() ||
+    String(d.accountId) !== String(current.accountId ?? "") ||
+    String(d.toAccountId ?? "") !== String(current.toAccountId ?? "");
+  try {
+    await mongoose.connection.transaction(async (session) => {
+      await TransactionModel.updateOne(
+        { _id: current._id, householdId: ctx.m.householdId },
+        {
+          $set: {
+            ...built.data,
+            payeeId,
+            updatedBy: new Types.ObjectId(actorId),
+            ...(balanceChanged ? { reconciledAccountIds: [] } : {}),
+            // Serinin planlı tekrarı tek başına düzenlendi ("yalnızca bu").
+            ...(current.recurringRuleId && current.status === "planned" ? { detached: true } : {}),
+          },
+        },
+        { session },
+      );
+      await attach(ctx, actorId, current._id, input, session);
+    });
+  } catch (error) {
+    if (error instanceof AttachmentError) return error.result;
+    throw error;
+  }
   return ok(undefined);
 }
 
@@ -376,6 +553,10 @@ export async function setTransactionDeleted(
   if (!ctx) return fail(tr.common.unauthorized);
   const current = await loadOwnTransaction(ctx, transactionId, { includeDeleted: true });
   if (!current || Boolean(current.deletedAt) === deleted) return fail(tr.common.notFound);
+  // Aynî borç ödemesi kaydın ödeme geçmişinin parçasıdır; tek başına silinmez.
+  if (current.inKindRole === "payment") return fail(t.inKindPaymentLocked);
+  // Varlık alım/satışı hareketin parçasıdır; hareket Birikim sayfasından silinir.
+  if (current.assetId) return fail(t.assetLocked);
   const actor = new Types.ObjectId(actorId);
   await TransactionModel.updateOne(
     { _id: current._id, householdId: ctx.m.householdId },
@@ -396,6 +577,41 @@ export async function setTransactionDeleted(
   return ok(undefined);
 }
 
+/**
+ * Kalan (henüz gerçekleşmemiş) taksitleri iptal eder — ör. ürün iadesi veya erken kapama.
+ * Gerçekleşmiş taksitlere dokunulmaz.
+ */
+export async function cancelRemainingInstallments(
+  actorId: string,
+  householdId: string,
+  transactionId: string,
+): Promise<ActionResult<{ cancelled: number }>> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const tx = await loadOwnTransaction(ctx, transactionId);
+  const planId = tx?.installment?.planId;
+  if (!tx || !planId) return fail(tr.common.notFound);
+  const actor = new Types.ObjectId(actorId);
+  const res = await TransactionModel.updateMany(
+    {
+      householdId: ctx.m.householdId,
+      "installment.planId": planId,
+      status: "planned",
+      deletedAt: null,
+    },
+    { $set: { deletedAt: new Date(), updatedBy: actor } },
+  );
+  await writeAudit({
+    action: "transaction.delete",
+    actorId: actor,
+    householdId: ctx.m.householdId,
+    targetType: "installmentPlan",
+    targetId: String(planId),
+    diff: { cancelled: res.modifiedCount, count: tx.installment?.count ?? null },
+  });
+  return ok({ cancelled: res.modifiedCount });
+}
+
 // --- Okuma ---
 
 export type TransactionListItem = {
@@ -404,8 +620,13 @@ export type TransactionListItem = {
   status: TransactionStatus;
   date: string;
   amountMinor: number;
-  account: { id: string; name: string };
+  /** Kaynak hesap; cariden girişte (borç alma, tahsilat) null. */
+  account: { id: string; name: string } | null;
   toAccount: { id: string; name: string } | null;
+  /** Cari transferi: kişi ve hareket türü. */
+  contact: { id: string; name: string; kind: ContactEntryKind } | null;
+  /** Varlık alımı/satışı: karşı taraf varlık. */
+  asset: { id: string; name: string } | null;
   category: { id: string; name: string; path: string; icon: IconKey; color: Swatch } | null;
   splitCount: number;
   payeeName: string;
@@ -413,6 +634,12 @@ export type TransactionListItem = {
   tags: string[];
   createdBy: { id: string; name: string };
   attachmentCount: number;
+  /** Mutabakat düzeltmesi (kategorisiz, düzenlenemez). */
+  isAdjustment: boolean;
+  /** Mutabakatı yapılmış hesaplar. */
+  reconciledAccountIds: string[];
+  /** Taksit: "4/9" */
+  installment: { planId: string; index: number; count: number } | null;
 };
 
 export type TransactionDetail = TransactionListItem & {
@@ -429,9 +656,10 @@ export type TransactionDetail = TransactionListItem & {
   updatedAt: string;
   /** Düzenleme formu için ham kimlikler. */
   categoryId: string | null;
+  attachments: AttachmentInfo[];
 };
 
-async function userNames(ids: Types.ObjectId[]): Promise<Map<string, string>> {
+export async function userNames(ids: Types.ObjectId[]): Promise<Map<string, string>> {
   const unique = [...new Set(ids.map(String))].map((id) => new Types.ObjectId(id));
   const users = await getDb()
     .collection("user")
@@ -440,13 +668,13 @@ async function userNames(ids: Types.ObjectId[]): Promise<Map<string, string>> {
   return new Map(users.map((u) => [String(u._id), String(u.name ?? "—")]));
 }
 
-type LeanTx = Awaited<ReturnType<typeof TransactionModel.find>>[number] & {
+export type LeanTx = Awaited<ReturnType<typeof TransactionModel.find>>[number] & {
   _id: Types.ObjectId;
   createdAt: Date;
   updatedAt: Date;
 };
 
-function toItem(ctx: Ctx, tx: LeanTx, names: Map<string, string>): TransactionListItem {
+export function toItem(ctx: Ctx, tx: LeanTx, names: Map<string, string>): TransactionListItem {
   const acc = (id: Types.ObjectId | null | undefined) => {
     if (!id) return null;
     const a = ctx.accountMap.get(String(id));
@@ -459,7 +687,7 @@ function toItem(ctx: Ctx, tx: LeanTx, names: Map<string, string>): TransactionLi
     status: tx.status,
     date: toIstanbulYmd(tx.date),
     amountMinor: tx.amountMinor,
-    account: acc(tx.accountId)!,
+    account: acc(tx.accountId),
     toAccount: acc(tx.toAccountId),
     category: cat
       ? { id: String(cat.id), name: cat.name, path: cat.path, icon: cat.icon, color: cat.color }
@@ -470,6 +698,26 @@ function toItem(ctx: Ctx, tx: LeanTx, names: Map<string, string>): TransactionLi
     tags: tx.tags ?? [],
     createdBy: { id: String(tx.createdBy), name: names.get(String(tx.createdBy)) ?? "—" },
     attachmentCount: tx.attachmentCount ?? 0,
+    isAdjustment: Boolean(tx.isAdjustment),
+    reconciledAccountIds: (tx.reconciledAccountIds ?? []).map(String),
+    contact:
+      tx.contactId && tx.contactKind
+        ? {
+            id: String(tx.contactId),
+            name: ctx.contactMap.get(String(tx.contactId))?.name ?? "—",
+            kind: tx.contactKind,
+          }
+        : null,
+    asset: tx.assetId
+      ? { id: String(tx.assetId), name: ctx.assetMap.get(String(tx.assetId))?.name ?? "—" }
+      : null,
+    installment: tx.installment?.planId
+      ? {
+          planId: String(tx.installment.planId),
+          index: tx.installment.index ?? 0,
+          count: tx.installment.count ?? 0,
+        }
+      : null,
   };
 }
 
@@ -487,7 +735,8 @@ function filterQuery(ctx: Ctx, f: TransactionFilters): Record<string, unknown> {
     };
   }
   if (f.type) q.type = f.type;
-  if (f.durum) q.status = f.durum;
+  // Planlı kayıtlar (12 ay ileriye kadar) yalnızca açıkça istenince listelenir (/planli sayfası).
+  q.status = f.durum ?? { $ne: "planned" };
   if (f.hesap) {
     const id = toObjectId(f.hesap);
     // Gizli hesap filtresi sonuç vermez (baseFilter zaten dışlar).
@@ -535,7 +784,7 @@ export async function listTransactions(
       {
         $match: {
           ...query,
-          status: query.status ?? "posted",
+          status: filters.durum ?? "posted",
           type: query.type ?? { $in: ["income", "expense"] },
         },
       },
@@ -571,8 +820,14 @@ export async function getTransaction(
   if (!ctx) return null;
   const tx = (await loadOwnTransaction(ctx, transactionId)) as unknown as LeanTx | null;
   if (!tx) return null;
-  const names = await userNames([tx.createdBy as Types.ObjectId, tx.updatedBy as Types.ObjectId]);
+  const [names, attachments] = await Promise.all([
+    userNames([tx.createdBy as Types.ObjectId, tx.updatedBy as Types.ObjectId]),
+    tx.attachmentCount
+      ? listOwnerAttachments(ctx.m.householdId, "transaction", tx._id)
+      : Promise.resolve([]),
+  ]);
   return {
+    attachments,
     ...toItem(ctx, tx, names),
     categoryId: tx.categoryId ? String(tx.categoryId) : null,
     splits: (tx.splits ?? []).map((s) => {
@@ -650,7 +905,11 @@ export async function exportTransactions(
     } else {
       out.push({
         ...common,
-        category: categoryPath(r.categoryId),
+        category: r.isAdjustment
+          ? t.adjustment
+          : r.contactId && r.contactKind
+            ? `${tr.contacts.contact}: ${ctx.contactMap.get(String(r.contactId))?.name ?? ""} (${tr.contacts.kinds[r.contactKind]})`
+            : categoryPath(r.categoryId),
         note: "",
         amountMinor: sign(r.type) * r.amountMinor,
       });

src/features/transactions/statement.int.test.ts

@@ -0,0 +1,245 @@
+import { afterAll, beforeAll, describe, expect, it } from "vitest";
+import { listAccounts } from "@/features/accounts/service";
+import { AccountModel } from "@/models/account";
+import { AuditLogModel } from "@/models/audit-log";
+import { CategoryModel } from "@/models/category";
+import { ReconciliationModel } from "@/models/reconciliation";
+import { TransactionModel } from "@/models/transaction";
+import { todayIstanbul } from "@/shared/dates";
+import { reconcileSchema } from "@/shared/schemas/reconciliation";
+import type { TransactionForm } from "@/shared/schemas/transaction";
+import { shiftMonth } from "@/shared/statement";
+import { setupSeededDb, teardownDb } from "@/test/seeded-db";
+import {
+  createTransaction,
+  getTransaction,
+  setTransactionDeleted,
+  updateTransaction,
+} from "./service";
+import {
+  currentMonth,
+  getAccountStatement,
+  previewReconciliation,
+  reconcileAccount,
+} from "./statement";
+
+let ids: Awaited<ReturnType<typeof setupSeededDb>>;
+let cakir = "";
+let ayse = "";
+let emre = "";
+let zeynep = "";
+let fatma = "";
+
+beforeAll(async () => {
+  ids = await setupSeededDb();
+  cakir = ids.household("Çakır Ailesi");
+  ayse = ids.user("ayse");
+  emre = ids.user("emre");
+  zeynep = ids.user("zeynep");
+  fatma = ids.user("fatma");
+});
+afterAll(teardownDb);
+
+const acc = (name: string) =>
+  AccountModel.findOne({ householdId: cakir, name })
+    .lean()
+    .then((a) => String(a!._id));
+const cat = (key: string) =>
+  CategoryModel.findOne({ householdId: cakir, defaultKey: key })
+    .lean()
+    .then((c) => String(c!._id));
+const input = (statementDate: string, statementBalance: string, acceptAdjustment = false) =>
+  reconcileSchema.parse({ statementDate, statementBalance, acceptAdjustment });
+const tl = (minor: number) => (minor / 100).toFixed(2).replace(".", ",");
+
+async function balanceOf(userId: string, accountId: string) {
+  const list = await listAccounts(userId, cakir);
+  return list!.accounts.find((a) => a.id === accountId)!.balanceMinor!;
+}
+
+describe("hesap ekstresi", () => {
+  it("yürüyen bakiye tutarlı; ay sonu = sonraki ay başı; güncel bakiye hesap listesiyle aynı", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const month = shiftMonth(currentMonth(), -1);
+    const s = (await getAccountStatement(ayse, cakir, ziraat, month))!;
+    expect(s.rows.length).toBeGreaterThan(0);
+    // Yeniden eskiye: ilk satırın bakiyesi ay sonu bakiyesi.
+    expect(s.rows[0]!.balanceMinor).toBe(s.closingMinor);
+    expect(s.closingMinor).toBe(s.openingMinor + s.inflowMinor - s.outflowMinor);
+    const asc = [...s.rows].reverse();
+    let running = s.openingMinor;
+    for (const r of asc) {
+      running += r.deltaMinor;
+      expect(r.balanceMinor).toBe(running);
+    }
+    const next = (await getAccountStatement(ayse, cakir, ziraat, currentMonth()))!;
+    expect(next.openingMinor).toBe(s.closingMinor);
+    expect(next.nextMonth).toBeNull();
+    expect(s.currentBalanceMinor).toBe(await balanceOf(ayse, ziraat));
+  });
+
+  it("gizli hesabın ekstresi yalnızca sahibine; hane dışına kapalı", async () => {
+    const pluxee = await acc("Ayşe — Pluxee");
+    expect(await getAccountStatement(ayse, cakir, pluxee, currentMonth())).not.toBeNull();
+    expect(await getAccountStatement(emre, cakir, pluxee, currentMonth())).toBeNull();
+    expect(await getAccountStatement(fatma, cakir, await acc("Cüzdan"), currentMonth())).toBeNull();
+  });
+
+  it("gizli hesaba transfer ekstrede görünür ama karşı hesap adı gizlenir", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const pluxee = await acc("Ayşe — Pluxee");
+    const r = await createTransaction(ayse, cakir, {
+      type: "transfer",
+      amount: 123_45,
+      date: todayIstanbul(),
+      accountId: ziraat,
+      toAccountId: pluxee,
+      categoryId: null,
+      splits: [],
+      payee: "",
+      description: "",
+      tags: [],
+      attachmentIds: [],
+      installments: 1,
+    } satisfies TransactionForm);
+    expect(r.ok).toBe(true);
+    const s = (await getAccountStatement(emre, cakir, ziraat, currentMonth()))!;
+    const row = s.rows.find((x) => x.item.id === (r.ok ? r.data.id : ""))!;
+    expect(row.restricted).toBe(true);
+    expect(row.deltaMinor).toBe(-123_45);
+    expect(row.item.toAccount!.name).not.toContain("Pluxee");
+    expect(s.currentBalanceMinor).toBe(await balanceOf(emre, ziraat));
+  });
+});
+
+describe("mutabakat", () => {
+  it("bakiye tutuyorsa işlemler işaretlenir, düzeltme oluşmaz", async () => {
+    const cuzdan = await acc("Cüzdan");
+    const today = todayIstanbul();
+    const balance = await balanceOf(ayse, cuzdan);
+    const preview = await previewReconciliation(ayse, cakir, cuzdan, input(today, tl(balance)));
+    expect(preview).toMatchObject({
+      ok: true,
+      data: { differenceMinor: 0, appBalanceMinor: balance },
+    });
+    const unreconciled = preview.ok ? preview.data.unreconciledCount : 0;
+    expect(unreconciled).toBeGreaterThan(0);
+
+    const r = await reconcileAccount(ayse, cakir, cuzdan, input(today, tl(balance)));
+    expect(r).toMatchObject({ ok: true, data: { adjustmentId: null, markedCount: unreconciled } });
+    const again = await reconcileAccount(ayse, cakir, cuzdan, input(today, tl(balance)));
+    expect(again).toMatchObject({ ok: true, data: { markedCount: 0 } });
+
+    const s = (await getAccountStatement(ayse, cakir, cuzdan, currentMonth()))!;
+    expect(s.rows.every((row) => row.reconciled)).toBe(true);
+    expect(s.lastReconciliation).toMatchObject({ date: today, differenceMinor: 0 });
+  });
+
+  it("fark varsa onay ister; onaylanınca düzeltme işlemi oluşur ve bakiye ekstreyle eşitlenir", async () => {
+    const ziraat = await acc("Ziraat Maaş");
+    const today = todayIstanbul();
+    const balance = await balanceOf(ayse, ziraat);
+    const target = balance - 250_00;
+
+    const refused = await reconcileAccount(ayse, cakir, ziraat, input(today, tl(target)));
+    expect(refused.ok).toBe(false);
+    expect(await ReconciliationModel.countDocuments({ accountId: ziraat })).toBe(0);
+
+    const r = await reconcileAccount(ayse, cakir, ziraat, input(today, tl(target), true));
+    expect(r.ok).toBe(true);
+    const adjustmentId = r.ok ? r.data.adjustmentId! : "";
+    const adj = (await TransactionModel.findById(adjustmentId).lean())!;
+    expect(adj).toMatchObject({ type: "expense", amountMinor: 250_00, isAdjustment: true });
+    expect(await balanceOf(ayse, ziraat)).toBe(target);
+
+    const audit = await AuditLogModel.findOne({
+      action: "account.reconcile",
+      targetId: ziraat,
+    }).lean();
+    expect(audit!.diff).toMatchObject({ differenceMinor: -250_00 });
+
+    // Düzeltme işlemi düzenlenemez, silinebilir.
+    const detail = (await getTransaction(ayse, cakir, adjustmentId))!;
+    expect(detail.isAdjustment).toBe(true);
+    const edit = await updateTransaction(ayse, cakir, adjustmentId, {
+      type: "expense",
+      amount: 1_00,
+      date: today,
+      accountId: ziraat,
+      toAccountId: null,
+      categoryId: await cat("market"),
+      splits: [],
+      payee: "",
+      description: "",
+      tags: [],
+      attachmentIds: [],
+      installments: 1,
+    });
+    expect(edit.ok).toBe(false);
+    expect((await setTransactionDeleted(ayse, cakir, adjustmentId, true)).ok).toBe(true);
+  });
+
+  it("kredi kartında borç pozitif girilir, uygulamada eksi bakiyeyle karşılaştırılır", async () => {
+    const kart = await acc("Garanti Bonus");
+    const balance = await balanceOf(ayse, kart);
+    expect(balance).toBeLessThan(0);
+    const preview = await previewReconciliation(
+      ayse,
+      cakir,
+      kart,
+      input(todayIstanbul(), tl(-balance)),
+    );
+    expect(preview).toMatchObject({
+      ok: true,
+      data: { statementBalanceMinor: balance, differenceMinor: 0 },
+    });
+  });
+
+  it("işaretli işlemin tutarı değişince işaret kalkar; yalnızca açıklama değişince kalır", async () => {
+    const cuzdan = await acc("Cüzdan");
+    const tx = await TransactionModel.findOne({
+      accountId: cuzdan,
+      type: "expense",
+      reconciledAccountIds: cuzdan,
+      splits: { $size: 0 },
+      deletedAt: null,
+    }).lean();
+    const d = (await getTransaction(ayse, cakir, String(tx!._id)))!;
+    const base: TransactionForm = {
+      type: "expense",
+      amount: d.amountMinor,
+      date: d.date,
+      accountId: cuzdan,
+      toAccountId: null,
+      categoryId: d.categoryId,
+      splits: [],
+      payee: d.payeeName,
+      description: "yeni açıklama",
+      tags: d.tags,
+      attachmentIds: [],
+      installments: 1,
+    };
+    expect((await updateTransaction(ayse, cakir, d.id, base)).ok).toBe(true);
+    expect(
+      (await TransactionModel.findById(d.id).lean())!.reconciledAccountIds.map(String),
+    ).toEqual([cuzdan]);
+    expect(
+      (await updateTransaction(ayse, cakir, d.id, { ...base, amount: d.amountMinor + 1 })).ok,
+    ).toBe(true);
+    expect((await TransactionModel.findById(d.id).lean())!.reconciledAccountIds).toEqual([]);
+  });
+
+  it("yetki ve doğrulama: izleyici, gizli hesap, gelecek tarih", async () => {
+    const cuzdan = await acc("Cüzdan");
+    expect((await reconcileAccount(zeynep, cakir, cuzdan, input(todayIstanbul(), "0"))).ok).toBe(
+      false,
+    );
+    expect(
+      (await reconcileAccount(emre, cakir, await acc("Ayşe — Pluxee"), input(todayIstanbul(), "0")))
+        .ok,
+    ).toBe(false);
+    expect((await previewReconciliation(ayse, cakir, cuzdan, input("2999-01-01", "0"))).ok).toBe(
+      false,
+    );
+  });
+});

src/features/transactions/statement.ts

@@ -0,0 +1,463 @@
+import "server-only";
+import mongoose, { Types, type ClientSession, type PipelineStage } from "mongoose";
+import { tr } from "@/i18n/tr";
+import { fail, ok, type ActionResult } from "@/lib/action-result";
+import { writeAudit } from "@/lib/audit";
+import { toObjectId } from "@/lib/object-id";
+import { AccountModel } from "@/models/account";
+import { ReconciliationModel } from "@/models/reconciliation";
+import { TransactionModel } from "@/models/transaction";
+import { isLiabilityType, type AccountType } from "@/shared/accounts";
+import type { IconKey, Swatch } from "@/shared/appearance";
+import { istanbulDayStart, todayIstanbul, toIstanbulYmd } from "@/shared/dates";
+import { formatMoney } from "@/shared/format";
+import { hasHouseholdRole } from "@/features/households/roles";
+import type { ReconcileForm } from "@/shared/schemas/reconciliation";
+import { foldTr } from "@/shared/search";
+import { accountEffect, monthRange, shiftMonth, withRunningBalance } from "@/shared/statement";
+import {
+  loadContext,
+  toItem,
+  userNames,
+  type Ctx,
+  type LeanTx,
+  type TransactionListItem,
+} from "./service";
+
+/**
+ * Hesap ekstresi (aylık, yürüyen bakiye) ve mutabakat (Bölüm 6.1).
+ * Ekstre yalnızca bakiyesini görebildiği hesaplar için açılır (gizli hesap → yalnızca sahibi).
+ * Başka birinin gizli hesabına yapılan transferler bakiyeyi etkilediği için ekstrede görünür,
+ * ama karşı hesap adı gizlenir ve ayrıntı açılmaz.
+ */
+
+const t = tr.statement;
+const DAY_MS = 24 * 60 * 60 * 1000;
+const MAX_ROWS = 2000;
+
+/** Hesap bazında bakiyeyi etkileyen işlemler (posted, silinmemiş). */
+export function accountMatch(householdId: Types.ObjectId, accountId: Types.ObjectId) {
+  return {
+    householdId,
+    status: "posted" as const,
+    deletedAt: null,
+    $or: [{ accountId }, { toAccountId: accountId }],
+  };
+}
+
+/** Açılış bakiyesi + (isteğe bağlı tarihten önceki) işlem etkileri. */
+export async function balanceBefore(
+  householdId: Types.ObjectId,
+  account: { _id: Types.ObjectId; openingBalanceMinor: number },
+  before: Date | null,
+  session?: ClientSession,
+): Promise<number> {
+  const pipeline: PipelineStage[] = [
+    {
+      $match: {
+        ...accountMatch(householdId, account._id),
+        ...(before ? { date: { $lt: before } } : {}),
+      },
+    },
+    {
+      $group: {
+        _id: null,
+        total: {
+          $sum: {
+            $cond: [
+              { $eq: ["$type", "transfer"] },
+              {
+                $cond: [
+                  { $eq: ["$accountId", account._id] },
+                  { $multiply: ["$amountMinor", -1] },
+                  "$amountMinor",
+                ],
+              },
+              {
+                $cond: [
+                  { $eq: ["$type", "income"] },
+                  "$amountMinor",
+                  { $multiply: ["$amountMinor", -1] },
+                ],
+              },
+            ],
+          },
+        },
+      },
+    },
+  ];
+  const agg = TransactionModel.aggregate<{ total: number }>(pipeline);
+  if (session) agg.session(session);
+  const [row] = await agg;
+  return account.openingBalanceMinor + (row?.total ?? 0);
+}
+
+type VisibleAccount = {
+  _id: Types.ObjectId;
+  name: string;
+  type: AccountType;
+  icon: string;
+  color: string;
+  openingBalanceMinor: number;
+  archivedAt?: Date | null;
+};
+
+async function loadVisibleAccount(
+  ctx: Ctx,
+  accountId: string,
+  session?: ClientSession,
+): Promise<VisibleAccount | null> {
+  const id = toObjectId(accountId);
+  const info = id ? ctx.accountMap.get(String(id)) : undefined;
+  if (!id || !info || info.hidden) return null;
+  return AccountModel.findOne({ _id: id, householdId: ctx.m.householdId }, null, { session })
+    .select({ name: 1, type: 1, icon: 1, color: 1, openingBalanceMinor: 1, archivedAt: 1 })
+    .lean<VisibleAccount>();
+}
+
+// --- Ekstre ---
+
+export type StatementRow = {
+  item: TransactionListItem;
+  deltaMinor: number;
+  balanceMinor: number;
+  reconciled: boolean;
+  /** Karşı hesap başkasının gizli hesabıysa ayrıntı açılmaz. */
+  restricted: boolean;
+};
+
+export type LastReconciliation = {
+  date: string;
+  statementBalanceMinor: number;
+  differenceMinor: number;
+  createdAt: string;
+  createdBy: string;
+};
+
+export type AccountStatement = {
+  account: {
+    id: string;
+    name: string;
+    type: AccountType;
+    icon: IconKey;
+    color: Swatch;
+    archived: boolean;
+    isLiability: boolean;
+  };
+  month: string;
+  prevMonth: string;
+  nextMonth: string | null;
+  openingMinor: number;
+  closingMinor: number;
+  inflowMinor: number;
+  outflowMinor: number;
+  currentBalanceMinor: number;
+  /** Yeniden eskiye. */
+  rows: StatementRow[];
+  truncated: boolean;
+  lastReconciliation: LastReconciliation | null;
+  canReconcile: boolean;
+};
+
+export function currentMonth(now = new Date()): string {
+  return todayIstanbul(now).slice(0, 7);
+}
+
+export async function getAccountStatement(
+  userId: string,
+  householdId: string,
+  accountId: string,
+  month: string,
+): Promise<AccountStatement | null> {
+  const ctx = await loadContext(userId, householdId, "viewer");
+  if (!ctx) return null;
+  const account = await loadVisibleAccount(ctx, accountId);
+  if (!account) return null;
+
+  const range = monthRange(month);
+  const start = istanbulDayStart(range.start)!;
+  const end = istanbulDayStart(range.end)!;
+  const hh = ctx.m.householdId;
+
+  const [openingMinor, currentBalanceMinor, txs, last] = await Promise.all([
+    balanceBefore(hh, account, start),
+    balanceBefore(hh, account, null),
+    TransactionModel.find({ ...accountMatch(hh, account._id), date: { $gte: start, $lt: end } })
+      .sort({ date: 1, createdAt: 1 })
+      .limit(MAX_ROWS + 1)
+      .lean() as unknown as Promise<LeanTx[]>,
+    ReconciliationModel.findOne({ householdId: hh, accountId: account._id })
+      .sort({ statementDate: -1, createdAt: -1 })
+      .lean(),
+  ]);
+  const truncated = txs.length > MAX_ROWS;
+  const rowsAsc = txs.slice(0, MAX_ROWS);
+  const names = await userNames([
+    ...rowsAsc.map((r) => r.createdBy as Types.ObjectId),
+    ...(last ? [last.createdBy] : []),
+  ]);
+
+  const accountKey = String(account._id);
+  const effects = rowsAsc.map((tx) => {
+    const item = toItem(ctx, tx, names);
+    const counterpart = tx.type === "transfer" ? [item.account, item.toAccount] : [];
+    // Gizli cariye bağlı hareket (cari hareketi veya aynî borç ödemesi): kişi adı ve açıklama gizlenir.
+    const hiddenContact = Boolean(tx.contactId && ctx.contactMap.get(String(tx.contactId))?.hidden);
+    if (hiddenContact) {
+      if (item.contact) item.contact.name = tr.transactions.list.hiddenContact;
+      item.description = "";
+      item.payeeName = tr.transactions.list.hiddenContact;
+    }
+    const restricted =
+      hiddenContact || counterpart.some((a) => a && ctx.accountMap.get(a.id)?.hidden);
+    if (restricted) {
+      // Gizli karşı hesabın adı sızmasın.
+      for (const a of counterpart) {
+        if (a && ctx.accountMap.get(a.id)?.hidden) a.name = tr.transactions.list.hiddenAccount;
+      }
+    }
+    return {
+      item,
+      restricted,
+      reconciled: item.reconciledAccountIds.includes(accountKey),
+      deltaMinor: accountEffect(
+        {
+          type: tx.type,
+          amountMinor: tx.amountMinor,
+          accountId: String(tx.accountId),
+          toAccountId: tx.toAccountId ? String(tx.toAccountId) : null,
+        },
+        accountKey,
+      ),
+    };
+  });
+  const running = withRunningBalance(openingMinor, effects);
+  const inflowMinor = effects.filter((e) => e.deltaMinor > 0).reduce((a, e) => a + e.deltaMinor, 0);
+  const outflowMinor = effects
+    .filter((e) => e.deltaMinor < 0)
+    .reduce((a, e) => a - e.deltaMinor, 0);
+  const now = currentMonth();
+
+  return {
+    account: {
+      id: accountKey,
+      name: account.name,
+      type: account.type,
+      icon: account.icon as IconKey,
+      color: account.color as Swatch,
+      archived: Boolean(account.archivedAt),
+      isLiability: isLiabilityType(account.type),
+    },
+    month,
+    prevMonth: shiftMonth(month, -1),
+    nextMonth: month < now ? shiftMonth(month, 1) : null,
+    openingMinor,
+    closingMinor: running.at(-1)?.balanceMinor ?? openingMinor,
+    inflowMinor,
+    outflowMinor,
+    currentBalanceMinor,
+    rows: running.reverse(),
+    truncated,
+    lastReconciliation: last
+      ? {
+          date: toIstanbulYmd(last.statementDate),
+          statementBalanceMinor: last.statementBalanceMinor,
+          differenceMinor: last.differenceMinor,
+          createdAt: new Date(last.createdAt).toISOString(),
+          createdBy: names.get(String(last.createdBy)) ?? "—",
+        }
+      : null,
+    canReconcile: hasHouseholdRole(ctx.m.role, "member") && !account.archivedAt,
+  };
+}
+
+// --- Mutabakat ---
+
+export type ReconcilePreview = {
+  statementDate: string;
+  /** Uygulamadaki işaretle (kredi kartında eksi). */
+  statementBalanceMinor: number;
+  appBalanceMinor: number;
+  /** ekstre − uygulama: + ise uygulamada eksik gelir, − ise eksik gider. */
+  differenceMinor: number;
+  /** O tarihe kadar henüz işaretlenmemiş işlem sayısı. */
+  unreconciledCount: number;
+};
+
+function validateDate(ymd: string): Date | null {
+  const start = istanbulDayStart(ymd);
+  if (!start || ymd > todayIstanbul()) return null;
+  return start;
+}
+
+async function computePreview(
+  ctx: Ctx,
+  account: VisibleAccount,
+  input: ReconcileForm,
+  session?: ClientSession,
+): Promise<ActionResult<ReconcilePreview & { endExclusive: Date; dayStart: Date }>> {
+  const dayStart = validateDate(input.statementDate);
+  if (!dayStart) return fail(t.errors.date, { statementDate: t.errors.date });
+  const endExclusive = new Date(dayStart.getTime() + DAY_MS);
+  // Kredi kartında kullanıcı borcu pozitif girer; uygulamada borç eksi bakiyedir.
+  const statementBalanceMinor = isLiabilityType(account.type)
+    ? -input.statementBalance
+    : input.statementBalance;
+  const appBalanceMinor = await balanceBefore(ctx.m.householdId, account, endExclusive, session);
+  const unreconciledCount = await TransactionModel.countDocuments(
+    {
+      ...accountMatch(ctx.m.householdId, account._id),
+      date: { $lt: endExclusive },
+      reconciledAccountIds: { $ne: account._id },
+    },
+    { session },
+  );
+  return ok({
+    statementDate: input.statementDate,
+    statementBalanceMinor,
+    appBalanceMinor,
+    differenceMinor: statementBalanceMinor - appBalanceMinor,
+    unreconciledCount,
+    endExclusive,
+    dayStart,
+  });
+}
+
+export async function previewReconciliation(
+  userId: string,
+  householdId: string,
+  accountId: string,
+  input: ReconcileForm,
+): Promise<ActionResult<ReconcilePreview>> {
+  const ctx = await loadContext(userId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const account = await loadVisibleAccount(ctx, accountId);
+  if (!account) return fail(tr.common.notFound);
+  const result = await computePreview(ctx, account, input);
+  if (!result.ok) return result;
+  const { endExclusive: _e, dayStart: _d, ...preview } = result.data;
+  return ok(preview);
+}
+
+class ReconcileAbort extends Error {
+  constructor(readonly result: ActionResult<never>) {
+    super("abort");
+  }
+}
+
+/**
+ * Mutabakatı uygular (tek transaction): fark varsa (ve onaylandıysa) düzeltme işlemi oluşturur,
+ * ekstre tarihine kadarki işlemleri bu hesap için işaretler, kaydı ve denetim kaydını yazar.
+ */
+export async function reconcileAccount(
+  actorId: string,
+  householdId: string,
+  accountId: string,
+  input: ReconcileForm,
+): Promise<
+  ActionResult<{ adjustmentId: string | null; markedCount: number; differenceMinor: number }>
+> {
+  const ctx = await loadContext(actorId, householdId, "member");
+  if (!ctx) return fail(tr.common.unauthorized);
+  const pre = await loadVisibleAccount(ctx, accountId);
+  if (!pre) return fail(tr.common.notFound);
+  if (pre.archivedAt) return fail(t.errors.archived);
+  const actor = new Types.ObjectId(actorId);
+  const hh = ctx.m.householdId;
+
+  try {
+    let out = { adjustmentId: null as string | null, markedCount: 0, differenceMinor: 0 };
+    await mongoose.connection.transaction(async (session) => {
+      const account = (await loadVisibleAccount(ctx, accountId, session))!;
+      const preview = await computePreview(ctx, account, input, session);
+      if (!preview.ok) throw new ReconcileAbort(preview);
+      const p = preview.data;
+      if (p.differenceMinor !== 0 && !input.acceptAdjustment) {
+        throw new ReconcileAbort(fail(t.errors.needsAdjustment));
+      }
+
+      let adjustmentId: Types.ObjectId | null = null;
+      if (p.differenceMinor !== 0) {
+        const description = t.adjustmentDescription(formatMoney(p.statementBalanceMinor));
+        const [adj] = await TransactionModel.create(
+          [
+            {
+              householdId: hh,
+              type: p.differenceMinor > 0 ? "income" : "expense",
+              status: "posted",
+              date: p.dayStart,
+              accountId: account._id,
+              amountMinor: Math.abs(p.differenceMinor),
+              categoryId: null,
+              splits: [],
+              effectiveCategoryIds: [],
+              payeeName: "",
+              description,
+              searchText: foldTr(`${tr.transactions.adjustment} ${description}`),
+              isAdjustment: true,
+              reconciledAccountIds: [account._id],
+              createdBy: actor,
+              updatedBy: actor,
+            },
+          ],
+          { session },
+        );
+        adjustmentId = adj!._id;
+      }
+
+      const marked = await TransactionModel.updateMany(
+        {
+          ...accountMatch(hh, account._id),
+          date: { $lt: p.endExclusive },
+          reconciledAccountIds: { $ne: account._id },
+        },
+        { $addToSet: { reconciledAccountIds: account._id } },
+        { session },
+      );
+
+      await ReconciliationModel.create(
+        [
+          {
+            householdId: hh,
+            accountId: account._id,
+            statementDate: p.dayStart,
+            statementBalanceMinor: p.statementBalanceMinor,
+            appBalanceMinor: p.appBalanceMinor,
+            differenceMinor: p.differenceMinor,
+            adjustmentTransactionId: adjustmentId,
+            markedCount: marked.modifiedCount,
+            createdBy: actor,
+          },
+        ],
+        { session },
+      );
+      await writeAudit(
+        {
+          action: "account.reconcile",
+          actorId: actor,
+          householdId: hh,
+          targetType: "account",
+          targetId: String(account._id),
+          diff: {
+            statementDate: p.statementDate,
+            statementBalanceMinor: p.statementBalanceMinor,
+            appBalanceMinor: p.appBalanceMinor,
+            differenceMinor: p.differenceMinor,
+            adjustmentTransactionId: adjustmentId ? String(adjustmentId) : null,
+            markedCount: marked.modifiedCount,
+          },
+        },
+        session,
+      );
+      out = {
+        adjustmentId: adjustmentId ? String(adjustmentId) : null,
+        markedCount: marked.modifiedCount,
+        differenceMinor: p.differenceMinor,
+      };
+    });
+    return ok(out);
+  } catch (error) {
+    if (error instanceof ReconcileAbort) return error.result;
+    throw error;
+  }
+}

src/i18n/tr.ts

@@ -199,6 +199,9 @@ export const tr = {
       cardDueValueDay: "Ayın günü",
       cardPaymentAccount: "Ödeme hesabı",
       cardPaymentAccountNone: "— Seçilmedi —",
+      cardMinimumRate: "Asgari ödeme oranı (%)",
+      cardMinimumRateHint:
+        "Boş bırakılırsa limit 50.000 TL'nin altındaysa %20, üstündeyse %40 kullanılır.",
     },
     summary: {
       assets: "Varlıklar",
@@ -256,7 +259,7 @@ export const tr = {
       description: "Açıklama",
       tags: "Etiketler",
       tagsHint: "Virgülle ayırın (ör. tatil, indirim)",
-      advanced: "Gelişmiş: etiket, bölme",
+      advanced: "Gelişmiş: ek, etiket, bölme",
       split: "Bölünmüş işlem",
       splitHint: "Tutarı birden çok kategoriye bölün; kalemlerin toplamı tutara eşit olmalı.",
       addSplit: "Kalem ekle",
@@ -266,6 +269,11 @@ export const tr = {
       remainingOk: "Kalemler toplamı tutara eşit",
       fillRemaining: "Kalanı son kaleme ekle",
       suggested: "Bu satıcı için son kullanılan kategori ve hesap önerildi.",
+      installments: "Taksit",
+      singlePayment: "Peşin",
+      installmentCount: (n: number) => `${n} taksit`,
+      installmentHint: (n: number, each: string) =>
+        `${n} × yaklaşık ${each}; vadesi gelen taksit kendi döneminde otomatik gerçekleşir.`,
     },
     validation: {
       amountPositive: "Tutar sıfırdan büyük olmalı",
@@ -277,6 +285,9 @@ export const tr = {
       splitSum: "Kalemlerin toplamı tutara eşit olmalı",
       accountInvalid: "Hesap bu hanede yok, arşivli veya size kapalı.",
       categoryInvalid: "Kategori bu hanede yok, arşivli veya işlem türüyle uyuşmuyor.",
+      installmentsMax: "En fazla 36 taksit",
+      installmentsExpenseOnly: "Taksit yalnızca bölünmemiş kredi kartı giderinde kullanılabilir.",
+      installmentsCardOnly: "Taksit yalnızca kredi kartı hesabında kullanılabilir.",
     },
     list: {
       empty: "Bu filtrelerle işlem bulunamadı.",
@@ -287,6 +298,7 @@ export const tr = {
       total: (n: number) => `${n} işlem`,
       sums: { income: "Gelir", expense: "Gider", net: "Net" },
       hiddenAccount: "Gizli hesap",
+      hiddenContact: "Gizli cari",
     },
     filters: {
       title: "Filtreler",
@@ -321,6 +333,7 @@ export const tr = {
       updated: "İşlem güncellendi.",
       deleted: "İşlem silindi.",
       restored: "İşlem geri alındı.",
+      installmentsCancelled: (n: number) => `${n} kalan taksit iptal edildi.`,
     },
     deleteTitle: "İşlem silinsin mi?",
     deleteDescription:
@@ -344,10 +357,569 @@ export const tr = {
       ],
       filename: (date: string) => `butcem-islemler-${date}.csv`,
     },
+    adjustment: "Mutabakat düzeltmesi",
+    adjustmentReadOnly:
+      "Mutabakat düzeltmesi düzenlenemez; gerekirse silip mutabakatı yeniden yapın.",
+    reconciled: "Mutabakatı yapıldı",
+    cancelInstallments: "Kalan taksitleri iptal et",
+    contactEditHint: "Cari hareketi cari sayfasından düzenlenir.",
+    inKindPaymentLocked: "Aynî borç ödemesi silinemez; ödeme cari sayfasındaki kayda bağlıdır.",
+    assetLocked: "Varlık alım/satış işlemi Birikim sayfasındaki hareketten yönetilir.",
     readOnly: "İzleyici rolündesiniz; işlem ekleyemezsiniz.",
     noAccounts: "İşlem girmek için önce bir hesap gerekli.",
     noAccountsLink: "Hesaplara git",
   },
+  recurring: {
+    title: "Planlı işlemler",
+    description:
+      "Düzenli ve planlı gelir/giderler. Planlı kayıtlar bakiyeyi etkilemez; onaylanınca gerçekleşir.",
+    newRule: "Yeni düzenli işlem",
+    createTitle: "Yeni düzenli işlem",
+    editTitle: "Düzenli işlemi düzenle",
+    tabs: { upcoming: "Yaklaşan", overdue: "Vadesi geçmiş", rules: "Kurallar" },
+    fields: {
+      estimate: "Tutar tahmini (ör. fatura); onaylarken düzeltilir",
+      startDate: "İlk tarih",
+      frequency: "Sıklık",
+      interval: "Kaç birimde bir",
+      monthlyMode: "Ayın hangi günü",
+      end: "Bitiş",
+      count: "Tekrar sayısı",
+      endDate: "Bitiş tarihi",
+      preview: "İlk tarihler",
+    },
+    frequencies: { daily: "Günlük", weekly: "Haftalık", monthly: "Aylık", yearly: "Yıllık" },
+    units: { daily: "gün", weekly: "hafta", monthly: "ay", yearly: "yıl" },
+    monthlyModes: { day: "İlk tarihin günü", last: "Ayın son günü" },
+    endKinds: { never: "Bitiş yok", count: "Tekrar sayısı", date: "Bitiş tarihi" },
+    actions: {
+      confirm: "Onayla",
+      skip: "Atla",
+      postpone: "Ertele",
+      edit: "Düzenle",
+      delete: "Sil",
+      more: "Diğer işlemler",
+    },
+    confirmTitle: "İşlemi onayla",
+    confirmDescription: "Gerçekleşen tutarı ve tarihi kontrol edin; onaylanınca bakiyeye yansır.",
+    postponeTitle: "Ertele",
+    postponeDate: "Yeni tarih",
+    scopeTitle: "Hangi kayıtlar değişsin?",
+    scopes: { one: "Yalnızca bu", following: "Bu ve sonrakiler", all: "Tümü" },
+    scopeHints: {
+      one: "Yalnızca bu planlı kayıt değişir; seri aynı kalır.",
+      following: "Seri bu tarihten itibaren yeni değerlerle devam eder.",
+      all: "Onaylanmamış tüm planlı kayıtlar yeni değerlerle yeniden oluşturulur. Gerçekleşmiş kayıtlar değişmez.",
+    },
+    deleteTitle: "Düzenli işlem silinsin mi?",
+    deleteDescription:
+      "Gerçekleşmiş kayıtlar korunur; yalnızca onaylanmamış planlı kayıtlar silinir.",
+    deleteScopes: { following: "Bu ve sonrakileri sil", all: "Tüm seriyi sil" },
+    estimate: "Tahmini",
+    next: (date: string) => `Sıradaki: ${date}`,
+    remaining: (n: number) => `${n} tekrar kaldı`,
+    endless: "Süresiz",
+    series: (pos: string) => `${pos}`,
+    empty: {
+      upcoming: "Önümüzdeki 60 günde planlı işlem yok.",
+      overdue: "Vadesi geçmiş planlı işlem yok.",
+      rules: "Henüz düzenli işlem yok. Kira, faturalar ve abonelikler için ekleyin.",
+    },
+    overdueBanner: (n: number) =>
+      `${n} planlı işlemin tarihi geçti; onaylayın, erteleyin veya atlayın.`,
+    overdueLink: "Planlı işlemlere git",
+    upcomingTitle: "Yaklaşan planlı işlemler",
+    toast: {
+      created: "Düzenli işlem kaydedildi.",
+      updated: "Düzenli işlem güncellendi.",
+      deleted: "Düzenli işlem silindi.",
+      confirmed: "İşlem onaylandı.",
+      skipped: "Bu tekrar atlandı.",
+      postponed: "İşlem ertelendi.",
+    },
+    validation: {
+      interval: "1 ile 12 arasında olmalı",
+      count: "1 ile 600 arasında bir sayı girin",
+      endBeforeStart: "Bitiş tarihi ilk tarihten önce olamaz",
+    },
+    errors: {
+      splitAmount: "Bölünmüş planlı işlemin tutarı değiştirilemez.",
+      postponeDate: "Yeni tarih mevcut tarihten sonra olmalı.",
+    },
+  },
+  attachments: {
+    title: "Ekler",
+    add: "Ek ekle",
+    addHint: { image: "Fiş veya fatura fotoğrafı", imagePdf: "Görsel veya PDF (ör. bordro)" },
+    count: (n: number) => `${n} ek`,
+    uploading: "Yükleniyor…",
+    remove: "Eki kaldır",
+    open: "Aç",
+    download: "İndir",
+    fullscreen: "Tam ekran",
+    exitFullscreen: "Tam ekrandan çık",
+    previous: "Önceki",
+    next: "Sonraki",
+    position: (i: number, n: number) => `${i} / ${n}`,
+    viewerTitle: "Ek dosyalar",
+    pdf: "PDF belgesi",
+    moreCount: (n: number) => `+${n}`,
+    waitForUploads: "Yüklemeler bitmeden kaydedilemez.",
+    errors: {
+      empty: "Dosya seçilmedi veya dosya boş.",
+      tooLarge: (mb: number) => `Dosya çok büyük (en fazla ${mb} MB).`,
+      tooMany: (n: number) => `Bir kayda en fazla ${n} dosya eklenebilir.`,
+      tooManyPending: "Kaydedilmemiş çok fazla ek var; önce formu kaydedin.",
+      unsupported: "Desteklenmeyen dosya türü. JPEG, PNG, WebP, HEIC veya PDF yükleyin.",
+      unreadable: "Dosya okunamadı veya bozuk.",
+      kindNotAllowed: "Gider işlemlerine yalnızca görsel eklenebilir (PDF gelir ve transferlerde).",
+      invalid: "Ek dosya bulunamadı veya bu kayda eklenemez.",
+      upload: "Dosya yüklenemedi.",
+    },
+  },
+  contacts: {
+    title: "Cari hesaplar",
+    description:
+      "Kişilerle borç-alacak takibi. Cari hareketleri transferdir; gelir/gider raporlarına girmez.",
+    contact: "Cari",
+    openContact: "Cariyi aç",
+    new: "Yeni cari",
+    createTitle: "Yeni cari",
+    editTitle: "Cariyi düzenle",
+    relations: {
+      family: "Aile / akraba",
+      friend: "Arkadaş",
+      neighbor: "Komşu",
+      work: "İş",
+      other: "Diğer",
+    },
+    kinds: { lend: "Borç verdim", repay: "Borç ödedim", borrow: "Borç aldım", collect: "Tahsilat" },
+    kindHints: {
+      lend: "Hesabınızdan kişiye para verdiniz; size borçlanır.",
+      repay: "Kişiye olan borcunuzu hesabınızdan ödediniz.",
+      borrow: "Kişiden hesabınıza para aldınız; ona borçlanırsınız.",
+      collect: "Kişinin size olan borcunu hesabınıza tahsil ettiniz.",
+    },
+    fields: {
+      name: "Ad soyad",
+      relation: "Yakınlık",
+      phone: "Telefon",
+      note: "Not",
+      openingBalance: "Açılış bakiyesi (TL)",
+      openingHint:
+        "Uygulamadan önceki durum: size borçluysa pozitif, siz borçluysanız başına - koyarak girin.",
+      isPrivate: "Yalnızca ben (bu cariyi ve hareketlerini yalnızca ben görürüm)",
+      dueDate: "Vade tarihi",
+      dueHint: "Kalan bakiyenin ödenmesi beklenen tarih (isteğe bağlı).",
+      reminderDays: "Kaç gün önce uyarılsın",
+      account: "Hesap",
+      fromAccount: "Ödemenin çıktığı hesap",
+      toAccount: "Paranın girdiği hesap",
+    },
+    balance: { owesMe: "Bana borçlu", iOwe: "Ben borçluyum", settled: "Hesap kapalı" },
+    summary: { owesMe: "Bana borçlu", iOwe: "Ben borçluyum", net: "Net" },
+    newEntry: "Hareket ekle",
+    entryTitle: "Cari hareketi",
+    editEntryTitle: "Cari hareketini düzenle",
+    due: {
+      overdue: (d: string) => `Vade geçti · ${d}`,
+      upcoming: (d: string) => `Vade yaklaşıyor · ${d}`,
+      on: (d: string) => `Vade · ${d}`,
+    },
+    dueBanner: (n: number) => `${n} carinin vadesi geçti veya yaklaşıyor.`,
+    dueLink: "Carilere git",
+    statement: "Cari ekstresi",
+    opening: "Açılış bakiyesi",
+    runningBalance: "Bakiye",
+    lastActivity: (d: string) => `Son hareket ${d}`,
+    empty: "Henüz cari yok. Borç verdiğiniz veya aldığınız kişileri ekleyin.",
+    emptyEntries: "Henüz hareket yok.",
+    archive: "Arşivle",
+    unarchive: "Arşivden çıkar",
+    archivedSection: (n: number) => `Arşivlenmiş cariler (${n})`,
+    privateBadge: "Yalnızca ben",
+    readOnly: "İzleyici rolündesiniz; cari hareketi ekleyemezsiniz.",
+    toast: {
+      created: "Cari oluşturuldu.",
+      updated: "Cari güncellendi.",
+      entrySaved: "Cari hareketi kaydedildi.",
+      archived: "Cari arşivlendi.",
+      unarchived: "Cari arşivden çıkarıldı.",
+    },
+    errors: {
+      duplicate: "Bu adla bir cari zaten var.",
+      archived: "Arşivlenmiş cariye hareket eklenemez.",
+    },
+  },
+  inKind: {
+    title: "Aynî borç ve alacaklar",
+    description:
+      "Altın, ziynet veya döviz cinsinden borç/alacak. Kapanış yalnızca “Ödeme gerçekleşti” ile.",
+    new: "Aynî kayıt ekle",
+    createTitle: "Yeni aynî borç/alacak",
+    editTitle: "Aynî kaydı düzenle",
+    directions: { debt: "Ben borçluyum", receivable: "Bana borçlu" },
+    fields: {
+      direction: "Yön",
+      asset: "Varlık",
+      quantity: "Miktar",
+      date: "Borç tarihi",
+      unitPrice: "O tarihteki birim fiyat (TL)",
+      unitPriceHint: "Boş bırakılırsa fiyat tablosundaki o tarihe ait son fiyat kullanılır.",
+      note: "Not",
+      savingsAccount: "Birikim hesabı",
+      savingsNone: "— Birikim planı yok —",
+      monthlyPlan: "Aylık ayrılacak tutar (TL)",
+      planHint:
+        "Borcu kapatmak için her ay bu hesaba para ayırın; borç yalnızca ödeme yapılınca kapanır.",
+    },
+    stats: {
+      remaining: "Kalan",
+      dateValue: (d: string) => `${d} değeri`,
+      currentValue: "Güncel değer",
+      accumulated: "Biriken",
+      remainingNeed: "Kalan ihtiyaç",
+      estimatedClose: "Tahmini kapanış",
+      noPrice: "Güncel fiyat yok",
+      closed: (d: string) => `Kapandı · ${d}`,
+      priceAt: (price: string, date: string) => `Fiyat ${price} (${date})`,
+      currentPrice: (debt: boolean, price: string, date: string) =>
+        `Güncel ${debt ? "satış" : "alış"} fiyatı ${price} · ${date}`,
+    },
+    contribute: "Birikim ekle",
+    contributionTitle: "Birikim ekle",
+    fromAccount: "Kaynak hesap",
+    contributionDescription: (label: string, name: string) => `Birikim: ${label} borcu (${name})`,
+    pay: "Ödeme gerçekleşti",
+    payTitle: "Ödeme gerçekleşti",
+    methods: { asset: "Aynı varlıkla", cash: "TL karşılığıyla" },
+    methodHints: {
+      asset: "Varlığın kendisiyle ödendi (ör. kuyumcudan alınan altın verildi).",
+      cash: "Varlığın TL karşılığı ödendi; hesaptan çıkış işlemi oluşturulur.",
+    },
+    receiveHints: {
+      asset: "Varlığın kendisi teslim alındı.",
+      cash: "Varlığın TL karşılığı hesaba tahsil edildi.",
+    },
+    payFields: {
+      quantity: "Ödenen miktar",
+      quantityHint: "Boş bırakılırsa tutar güncel fiyata bölünerek hesaplanır.",
+      amount: "Tutar (TL)",
+      assetAmount: "Varlığı almak için harcanan (TL, isteğe bağlı)",
+      account: "Hesap",
+    },
+    paymentDescription: (debt: boolean, label: string, name: string) =>
+      debt ? `Aynî borç ödemesi: ${label} (${name})` : `Aynî alacak tahsilatı: ${label} (${name})`,
+    payments: "Ödemeler",
+    paymentLine: (method: string, qty: string, amount: string | null) =>
+      amount ? `${method} · ${qty} · ${amount}` : `${method} · ${qty}`,
+    delete: "Kaydı sil",
+    deleteTitle: "Aynî kayıt silinsin mi?",
+    deleteDescription:
+      "Kayıt listeden kaldırılır. Oluşturulmuş para hareketleri (birikim, ödeme) işlemlerde kalır.",
+    prices: "Fiyat tablosu",
+    toast: {
+      saved: "Aynî kayıt kaydedildi.",
+      contributed: "Birikim eklendi.",
+      paid: "Ödeme kaydedildi.",
+      closed: "Ödeme kaydedildi; kayıt kapandı.",
+      deleted: "Aynî kayıt silindi.",
+    },
+    errors: {
+      noPrice: "Bu tarih için fiyat yok; birim fiyatı girin veya fiyat tablosunu güncelleyin.",
+      noSavings: "Önce kayda bir birikim hesabı seçin.",
+      closed: "Kayıt kapanmış.",
+      quantityBelowPaid: "Miktar ödenmiş miktardan az olamaz.",
+      receivablePlan: "Birikim planı yalnızca borçlar içindir.",
+      noCurrentPrice: "Güncel fiyat yok; ödenen miktarı girin.",
+      sameAccount: "Kaynak hesap birikim hesabıyla aynı olamaz.",
+    },
+    validation: {
+      quantity: "Geçerli bir miktar girin (en fazla 3 ondalık)",
+      price: "Alış veya satış fiyatı girin",
+      amount: "Tutar girin",
+      account: "Hesap seçin",
+      assetOnlyWithAsset: "Varlık bağlantısı yalnızca aynı varlıkla ödemede kullanılır.",
+      noAmountWithAsset: "Varlıktan ödemede TL tutar girilmez.",
+    },
+    link: {
+      debt: "Birikimdeki varlıktan düş",
+      receivable: "Birikimdeki varlığa ekle",
+      debtHint: "Ödenen miktar seçilen varlıktan ortalama maliyetle çıkar.",
+      receivableHint:
+        "Tahsil edilen miktar seçilen varlığa eklenir; maliyet borç tarihindeki birim fiyattır.",
+      asset: "Varlık",
+      none: "Bu türde varlık yok; önce Birikim sayfasından ekleyin.",
+      movementNote: (name: string) => `Aynî kayıt: ${name}`,
+      assetMismatch: "Seçilen varlık bu kaydın varlık türünde değil.",
+    },
+  },
+  assets: {
+    title: "Birikim",
+    description:
+      "Altın, döviz ve ziynet birikimleri: alım lotları, satış ve çıkışlar, ortalama maliyet ve kâr/zarar. Değerleme alış fiyatıyla.",
+    new: "Varlık ekle",
+    asset: "Varlık",
+    open: "Varlığa git",
+    createTitle: "Yeni varlık",
+    editTitle: "Varlığı düzenle",
+    empty: "Henüz varlık yok. Bir varlık ekleyip ilk alımı girin.",
+    closedGroup: "Elde kalmayanlar",
+    privateBadge: "Yalnızca ben",
+    fields: {
+      asset: "Varlık türü",
+      name: "Ad",
+      namePlaceholder: "Ör. Gram altın birikimi",
+      note: "Not",
+      isPrivate: "Yalnızca ben görebilirim",
+      isPrivateHint: "İşaretlenirse bu varlık ve hareketleri hanedeki diğer üyelere görünmez.",
+    },
+    stats: {
+      quantity: "Eldeki miktar",
+      avgCost: "Ortalama maliyet",
+      cost: "Maliyet",
+      currentValue: "Güncel değer",
+      unrealized: "Gerçekleşmemiş K/Z",
+      realized: "Gerçekleşmiş K/Z",
+      invested: "Yatırılan",
+      proceeds: "Satış geliri",
+      noPrice: "Fiyat yok",
+      price: (price: string, date: string) => `Güncel alış fiyatı ${price} · ${date}`,
+      perUnit: (unit: string) => `/ ${unit}`,
+    },
+    totals: {
+      value: "Toplam güncel değer",
+      cost: "Toplam maliyet",
+      unrealized: "Gerçekleşmemiş K/Z",
+      realized: "Gerçekleşmiş K/Z",
+      missingPrice: (n: number) => `${n} varlığın fiyatı yok; toplam değere katılmadı.`,
+    },
+    kinds: {
+      buy: "Alım",
+      gift_in: "Hediye / miras geldi",
+      sell: "Satış",
+      gift_out: "Hediye / çıkış",
+    },
+    kindHints: {
+      buy: "Para seçilen hesaptan çıkar (transfer; gider sayılmaz).",
+      gift_in: "Hesap hareketi oluşmaz; maliyet o günkü değerdir.",
+      sell: "Satış tutarı seçilen hesaba girer; ortalama maliyete göre kâr/zarar yazılır.",
+      gift_out: "Hesap hareketi oluşmaz; ortalama maliyetle elden çıkar.",
+    },
+    movement: {
+      add: "Hareket ekle",
+      title: (kind: string, name: string) => `${kind} · ${name}`,
+      date: "Tarih",
+      quantity: "Miktar",
+      unitPrice: "Birim fiyat (TL)",
+      amount: "Toplam tutar (TL)",
+      priceHint:
+        "Tutar veya birim fiyattan birini girin; ikisi de boşsa fiyat tablosu kullanılır (alımda satış, satışta alış fiyatı).",
+      giftValueHint: "Boş bırakılırsa fiyat tablosundaki o günkü alış fiyatı kullanılır.",
+      account: "Hesap",
+      accountNone: "— Hesap yok —",
+      accountHint: "Hesap seçilmezse hesap hareketi oluşmaz.",
+      storage: "Saklama yeri",
+      storagePlaceholder: "Ör. ev kasası, banka kiralık kasa",
+      note: "Not",
+      held: (q: string) => `Eldeki: ${q}`,
+    },
+    history: "Hareketler",
+    noMovements: "Henüz hareket yok.",
+    report: {
+      title: "Dönemsel rapor",
+      ranges: { "3": "3 ay", "6": "6 ay", "12": "12 ay", tum: "Tümü" },
+      rangeLabel: "Dönem",
+      period: (from: string, to: string) => `${from} – ${to}`,
+      startValue: "Dönem başı değer",
+      invested: "Yatırılan",
+      endValue: "Dönem sonu değer",
+      profit: "Dönem kâr/zararı",
+      proceeds: "Satış geliri",
+      giftIn: "Gelen hediye",
+      giftOut: "Çıkan hediye",
+      formula:
+        "Kâr/zarar = dönem sonu değer + satış + çıkan hediye − dönem başı değer − yatırılan − gelen hediye.",
+      value: "Güncel değer",
+      cost: "Maliyet",
+      chartLabel: "Aylık değer ve maliyet",
+      table: "Tablo olarak göster",
+      date: "Tarih",
+      noPrice: "Fiyat yok",
+      excluded: (n: number) => `${n} varlık fiyatı olmadığı için rapora katılmadı.`,
+      empty: "Bu dönemde gösterilecek varlık yok.",
+    },
+    netWorth: {
+      title: "Net varlık",
+      description: "Hesaplar + birikim + alacaklar − borçlar (TL ve aynî).",
+      accounts: "Hesap bakiyeleri",
+      cardDebt: "Kart ve KMH borçları",
+      assets: "Birikim (altın, döviz)",
+      contactReceivable: "Cari alacaklar",
+      contactPayable: "Cari borçlar",
+      inKindReceivable: "Aynî alacaklar",
+      inKindPayable: "Aynî borçlar",
+      total: "Net varlık",
+      missingPrice: (n: number) => `${n} kalemin fiyatı yok; toplama katılmadı.`,
+      includesHidden: "Hane ayarı gereği diğer üyelerin gizli hesap bakiyeleri dahil.",
+    },
+    table: {
+      date: "Tarih",
+      kind: "Hareket",
+      quantity: "Miktar",
+      unitPrice: "Birim fiyat",
+      amount: "Tutar",
+      result: "K/Z",
+      balance: "Kalan",
+    },
+    deleteMovement: "Hareketi sil",
+    deleteMovementTitle: "Hareket silinsin mi?",
+    deleteMovementDescription:
+      "Hareket ve bağlı hesap işlemi silinir; ortalama maliyet ve kâr/zarar yeniden hesaplanır.",
+    delete: "Varlığı sil",
+    deleteTitle: "Varlık silinsin mi?",
+    deleteDescription: "Yalnızca hareketi olmayan varlık silinebilir.",
+    prices: "Fiyat tablosu",
+    back: "Birikim",
+    txDescription: {
+      buy: (label: string, name: string) => `Varlık alımı: ${label} (${name})`,
+      sell: (label: string, name: string) => `Varlık satışı: ${label} (${name})`,
+    },
+    toast: {
+      saved: "Varlık kaydedildi.",
+      movement: "Hareket kaydedildi.",
+      movementDeleted: "Hareket silindi.",
+      deleted: "Varlık silindi.",
+    },
+    errors: {
+      noPrice: "Bu tarih için fiyat yok; tutar veya birim fiyat girin.",
+      insufficient: "Bu tarihte eldeki miktar yetersiz.",
+      deleteBreaks: "Bu hareket silinirse sonraki bir satış/çıkış eldeki miktarı aşar.",
+      hasMovements: "Hareketi olan varlık silinemez; önce hareketleri silin.",
+      assetKeyLocked: "Hareketi olan varlığın türü değiştirilemez.",
+      futureDate: "Gelecek tarihli hareket girilemez.",
+      privateOwner: "Yalnızca sahibi gizliliği değiştirebilir.",
+    },
+    validation: {
+      noAccountForGift: "Hediye hareketinde hesap seçilmez.",
+    },
+  },
+  prices: {
+    title: "Fiyat tablosu",
+    description:
+      "Altın ve döviz fiyatları (elle). Varlıklar ve aynî alacaklar alış, aynî borçlar satış fiyatıyla değerlenir.",
+    add: "Fiyat gir",
+    asset: "Varlık",
+    date: "Tarih",
+    buy: "Alış (TL)",
+    sell: "Satış (TL)",
+    sellHint: "Boş bırakılırsa alış fiyatı kullanılır (tek fiyat).",
+    noPrice: "Fiyat yok",
+    history: "Son fiyatlar",
+    perUnit: (unit: string) => `/ ${unit}`,
+    saved: "Fiyat kaydedildi.",
+  },
+  card: {
+    title: "Kart özeti",
+    debt: "Toplam borç",
+    available: "Kullanılabilir limit",
+    limitOf: (limit: string) => `Limit ${limit}`,
+    pendingInstallments: (amount: string) => `Gelecek taksitler limitten düşer: ${amount}`,
+    statementPeriod: "Hesap kesim dönemi",
+    currentPeriod: "Güncel dönem",
+    periodRange: (start: string, end: string) => `${start} – ${end}`,
+    statementDebt: "Dönem borcu",
+    minimum: (rate: string) => `Asgari ödeme (%${rate})`,
+    paid: "Ödenen",
+    remaining: "Kalan",
+    dueDate: "Son ödeme",
+    daysLeft: (n: number) =>
+      n > 0 ? `${n} gün kaldı` : n === 0 ? "Bugün son gün" : `${-n} gün geçti`,
+    paidInFull: "Dönem borcu ödendi.",
+    spent: "Harcama",
+    pay: "Borcu öde",
+    payDescription: "Kart borcu ödemesi",
+    upcomingInstallments: "Yaklaşan taksitler",
+    installmentPeriod: (end: string, due: string, n: number) =>
+      `${end} kesim · son ödeme ${due} · ${n} taksit`,
+    noInstallments: "Bekleyen taksit yok.",
+    planned: "Planlı harcamalar",
+    history: "Geçmiş ekstreler",
+    historyHeaders: {
+      period: "Dönem",
+      debt: "Borç",
+      minimum: "Asgari",
+      paid: "Ödenen",
+      due: "Son ödeme",
+    },
+  },
+  overdraft: {
+    title: "Esnek hesap (KMH)",
+    limit: "KMH limiti",
+    used: "Kullanılan",
+    available: "Kullanılabilir KMH",
+    rate: (rate: string) => `Aylık faiz %${rate}`,
+    lastPeriod: "Geçen dönem",
+    currentSoFar: "Bu dönem (şimdiye kadar)",
+    estimatedInterest: "Tahmini faiz",
+    averageUsed: (amount: string) => `Ortalama kullanım ${amount}`,
+    bookInterest: "Faiz kaydı ekle",
+    booked: "Bu dönemin faiz kaydı girilmiş.",
+    interestDescription: (range: string) => `KMH faizi (${range})`,
+    taxNote: "Tahmin vergiler (KKDF/BSMV) hariçtir; banka ekstresindeki tutarı girin.",
+  },
+  statement: {
+    title: "Hesap ekstresi",
+    back: "Hesaplar",
+    allTransactions: "Tüm işlemler",
+    prevMonth: "Önceki ay",
+    nextMonth: "Sonraki ay",
+    opening: "Ay başı bakiye",
+    inflow: "Giriş",
+    outflow: "Çıkış",
+    closing: "Ay sonu bakiye",
+    current: "Güncel bakiye",
+    balanceAfter: "Bakiye",
+    empty: "Bu ayda işlem yok.",
+    truncated: "Çok fazla işlem var; yalnızca ilk 2.000 işlem gösteriliyor.",
+    lastReconciliation: (date: string, balance: string) =>
+      `Son mutabakat: ${date} · ekstre bakiyesi ${balance}`,
+    noReconciliation: "Henüz mutabakat yapılmadı.",
+    reconciledHint: "Mutabakatı yapılmış işlem",
+    adjustmentDescription: (statementBalance: string) =>
+      `Ekstre bakiyesi ${statementBalance} ile fark`,
+    reconcile: {
+      open: "Mutabakat yap",
+      title: "Mutabakat",
+      description:
+        "Banka veya kart ekstrenizdeki tarihi ve bakiyeyi girin; uygulamadaki bakiye ile karşılaştırılır.",
+      date: "Ekstre tarihi",
+      balance: "Ekstredeki bakiye (TL)",
+      debt: "Ekstredeki borç (TL)",
+      balanceHint: "Eksi bakiye için başına - koyun (ör. KMH kullanımı).",
+      debtHint: "Karttaki toplam borcu pozitif girin.",
+      check: "Karşılaştır",
+      statementBalance: "Ekstre",
+      appBalance: "Uygulama",
+      difference: "Fark",
+      matches: "Bakiyeler tutuyor.",
+      mismatch: "Bakiyeler tutmuyor. Eksik veya hatalı işlem olabilir.",
+      adjustmentOffer: (amount: string, kind: string) =>
+        `Farkı kapatmak için ${amount} tutarında bir “${kind}” düzeltme işlemi oluşturulsun.`,
+      acceptAdjustment: "Düzeltme işlemi oluştur",
+      unreconciled: (n: number) => `${n} işlem işaretlenecek.`,
+      confirm: "Mutabakatı tamamla",
+      confirmWithAdjustment: "Düzelt ve tamamla",
+      done: (n: number) => `Mutabakat tamamlandı; ${n} işlem işaretlendi.`,
+      doneWithAdjustment: (n: number) => `Düzeltme işlemi oluşturuldu ve ${n} işlem işaretlendi.`,
+    },
+    errors: {
+      date: "Geçerli ve bugünden ileri olmayan bir tarih girin.",
+      archived: "Arşivlenmiş hesapta mutabakat yapılamaz.",
+      needsAdjustment:
+        "Bakiyeler tutmuyor; düzeltme işlemini onaylayın veya işlemleri kontrol edin.",
+    },
+  },
   categories: {
     title: "Kategoriler",
     description: "Gelir ve gider kategorileri. Alt kategoriler raporlarda üst kategoriye toplanır.",
@@ -540,6 +1112,7 @@ export const tr = {
   validation: {
     nameMin: "Ad en az 2 karakter olmalı",
     nameMax: "Ad en fazla 80 karakter olabilir",
+    phone: "Geçerli bir telefon numarası girin",
     usernameFormat: "Yalnızca küçük harf, rakam, nokta ve alt çizgi; 3–30 karakter",
     email: "Geçerli bir e-posta adresi girin",
     passwordMin: "Şifre en az 8 karakter olmalı",

src/lib/storage/index.ts

@@ -0,0 +1,18 @@
+import "server-only";
+import { env } from "@/lib/env";
+import { createLocalDriver } from "./local";
+import type { StorageDriver } from "./types";
+
+export type { StorageDriver } from "./types";
+export { isValidStorageKey } from "./types";
+
+/**
+ * Depolama soyutlaması (Bölüm 7.4): `put`, `get`, `delete`. İlk sürücü yerel disk (`UPLOAD_DIR`,
+ * canlıda Docker volume). İleride S3 uyumlu (MinIO) sürücü aynı arayüzle eklenebilir.
+ */
+const g = globalThis as unknown as { __butcemStorage?: StorageDriver };
+
+export function getStorage(): StorageDriver {
+  g.__butcemStorage ??= createLocalDriver(env().UPLOAD_DIR);
+  return g.__butcemStorage;
+}

src/lib/storage/local.test.ts

@@ -0,0 +1,35 @@
+import { mkdtemp, rm } from "node:fs/promises";
+import { tmpdir } from "node:os";
+import path from "node:path";
+import { afterAll, describe, expect, it } from "vitest";
+import { createLocalDriver } from "./local";
+import { isValidStorageKey } from "./types";
+
+const dirs: string[] = [];
+afterAll(() => Promise.all(dirs.map((d) => rm(d, { recursive: true, force: true }))));
+
+describe("yerel depolama", () => {
+  it("anahtar biçimi: yol geçişi ve beklenmeyen uzantılar reddedilir", () => {
+    expect(isValidStorageKey("ab/0123456789abcdef0123.webp")).toBe(true);
+    expect(isValidStorageKey("ab/0123456789abcdef0123.thumb.webp")).toBe(true);
+    expect(isValidStorageKey("ab/0123456789abcdef0123.pdf")).toBe(true);
+    expect(isValidStorageKey("../0123456789abcdef0123.webp")).toBe(false);
+    expect(isValidStorageKey("ab/../../etc/passwd")).toBe(false);
+    expect(isValidStorageKey("/ab/0123456789abcdef0123.webp")).toBe(false);
+    expect(isValidStorageKey("ab/0123456789abcdef0123.html")).toBe(false);
+  });
+
+  it("put/get/delete", async () => {
+    const dir = await mkdtemp(path.join(tmpdir(), "butcem-storage-"));
+    dirs.push(dir);
+    const s = createLocalDriver(dir);
+    const key = "cd/cdef0123456789abcdef.pdf";
+    expect(await s.get(key)).toBeNull();
+    await s.put(key, new TextEncoder().encode("merhaba"));
+    expect((await s.get(key))!.toString()).toBe("merhaba");
+    await s.delete(key);
+    await s.delete(key);
+    expect(await s.get(key)).toBeNull();
+    await expect(s.put("../x.pdf", new Uint8Array())).rejects.toThrow();
+  });
+});

src/lib/storage/local.ts

@@ -0,0 +1,37 @@
+import { randomBytes } from "node:crypto";
+import { mkdir, readFile, rename, rm, writeFile } from "node:fs/promises";
+import path from "node:path";
+import { isValidStorageKey, type StorageDriver } from "./types";
+
+/** Yerel disk sürücüsü. Yazma atomiktir (geçici dosya + rename); yarım dosya servis edilmez. */
+export function createLocalDriver(baseDir: string): StorageDriver {
+  const root = path.resolve(baseDir);
+
+  function resolve(key: string): string {
+    if (!isValidStorageKey(key)) throw new Error(`Geçersiz depolama anahtarı: ${key}`);
+    const full = path.resolve(root, key);
+    if (!full.startsWith(root + path.sep)) throw new Error("Depolama kökü dışına çıkılamaz.");
+    return full;
+  }
+
+  return {
+    async put(key, data) {
+      const full = resolve(key);
+      await mkdir(path.dirname(full), { recursive: true, mode: 0o750 });
+      const tmp = `${full}.${randomBytes(6).toString("hex")}.tmp`;
+      await writeFile(tmp, data, { mode: 0o640 });
+      await rename(tmp, full);
+    },
+    async get(key) {
+      try {
+        return await readFile(resolve(key));
+      } catch (error) {
+        if ((error as NodeJS.ErrnoException).code === "ENOENT") return null;
+        throw error;
+      }
+    },
+    async delete(key) {
+      await rm(resolve(key), { force: true });
+    },
+  };
+}

src/lib/storage/types.ts

@@ -0,0 +1,18 @@
+export interface StorageDriver {
+  /** Dosyayı yazar (varsa üzerine yazar). */
+  put(key: string, data: Uint8Array): Promise<void>;
+  /** Dosyayı okur; yoksa null. */
+  get(key: string): Promise<Buffer | null>;
+  /** Dosyayı siler; yoksa sessizce geçer. */
+  delete(key: string): Promise<void>;
+}
+
+/**
+ * Anahtar biçimi: "ab/<rastgele-id>[.thumb].webp|pdf". Yalnızca küçük harf, rakam, tire, nokta
+ * ve tek bir alt klasör; ".." veya mutlak yol olamaz (dizin dışına çıkma engellenir).
+ */
+const KEY_PATTERN = /^[a-z0-9]{2}\/[a-z0-9-]{16,64}(\.thumb)?\.(webp|pdf)$/;
+
+export function isValidStorageKey(key: string): boolean {
+  return KEY_PATTERN.test(key);
+}

src/lib/uploads/process.ts

@@ -0,0 +1,74 @@
+import "server-only";
+import sharp from "sharp";
+import type { DetectedType } from "@/shared/attachments";
+
+/** Ana görsel uzun kenar sınırı (fiş okunabilir kalsın, dosya küçülsün). */
+export const MAX_IMAGE_EDGE = 2000;
+export const THUMB_EDGE = 320;
+/** Dekompresyon bombasına karşı piksel sınırı (~50 MP). */
+const MAX_INPUT_PIXELS = 50_000_000;
+
+export type ProcessedImage = {
+  main: Buffer;
+  thumb: Buffer;
+  width: number;
+  height: number;
+};
+
+export class UnreadableImageError extends Error {}
+
+/**
+ * Görseli normalize eder: EXIF yönüne göre döndürür, en fazla 2000 px'e küçültür ve WebP'ye
+ * çevirir. sharp çıktıya meta veri yazmaz (withMetadata kullanılmadığı için EXIF/GPS/ICC dahil
+ * tüm meta veri düşer). HEIC (iPhone, HEVC) sharp'ın hazır derlemesinde çözülemediği için
+ * libheif (WASM) ile çözülür.
+ */
+export async function processImage(bytes: Buffer, type: DetectedType): Promise<ProcessedImage> {
+  try {
+    const source = type === "heic" ? await decodeHeic(bytes) : sharpFrom(bytes).rotate();
+    const { data, info } = await source
+      .resize({
+        width: MAX_IMAGE_EDGE,
+        height: MAX_IMAGE_EDGE,
+        fit: "inside",
+        withoutEnlargement: true,
+      })
+      .webp({ quality: 82 })
+      .toBuffer({ resolveWithObject: true });
+    const thumb = await sharp(data)
+      .resize({ width: THUMB_EDGE, height: THUMB_EDGE, fit: "inside", withoutEnlargement: true })
+      .webp({ quality: 70 })
+      .toBuffer();
+    return { main: data, thumb, width: info.width, height: info.height };
+  } catch (error) {
+    throw new UnreadableImageError(error instanceof Error ? error.message : String(error));
+  }
+}
+
+function sharpFrom(bytes: Buffer) {
+  return sharp(bytes, { failOn: "error", limitInputPixels: MAX_INPUT_PIXELS });
+}
+
+async function decodeHeic(bytes: Buffer) {
+  // Bazı .heic dosyaları aslında AV1 (AVIF) içerir; sharp bunları doğrudan çözebilir.
+  try {
+    const meta = await sharpFrom(bytes).metadata();
+    if (meta.compression === "av1") return sharpFrom(bytes).rotate();
+  } catch {
+    // libheif ile denenecek.
+  }
+  const { default: decode } = await import("heic-decode");
+  const image = await decode({ buffer: bytes });
+  if (image.width * image.height > MAX_INPUT_PIXELS) throw new Error("Görsel çok büyük.");
+  // libheif yönlendirmeyi (irot/imir) çözerken uygular; ham RGBA piksellerden devam edilir.
+  return sharp(Buffer.from(image.data.buffer, image.data.byteOffset, image.data.byteLength), {
+    raw: { width: image.width, height: image.height, channels: 4 },
+  });
+}
+
+/** PDF'ler değiştirilmeden saklanır; yalnızca yapı kontrolü (başlık + dosya sonu işareti). */
+export function isPlausiblePdf(bytes: Buffer): boolean {
+  if (bytes.subarray(0, 5).toString("latin1") !== "%PDF-") return false;
+  const tail = bytes.subarray(Math.max(0, bytes.length - 2048)).toString("latin1");
+  return tail.includes("%%EOF");
+}

src/models/account.ts

@@ -26,6 +26,11 @@ const creditCardSchema = new Schema(
       kind: { type: String, enum: DUE_RULE_KINDS, default: "daysAfter" },
       value: { type: Number, min: 1, max: 31, default: 10 },
     },
+    /**
+     * Asgari ödeme oranı, baz puan (2000 = %20). null → varsayılan kural: limit 50.000 TL altı %20,
+     * üstü %40 (Faz 7 kararı).
+     */
+    minimumPaymentRateBp: { type: Number, min: 0, max: 10_000, default: null },
     /** Kart borcunun ödeneceği varsayılan hesap. */
     paymentAccountId: { type: Schema.Types.ObjectId, default: null },
   },

src/models/asset-movement.ts

@@ -0,0 +1,45 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { MOVEMENT_KINDS } from "@/shared/portfolio";
+
+/**
+ * Varlık hareketi (lot): alım, gelen hediye, satış, hediye/çıkış. Alım ve satış bir hesaba
+ * bağlıysa transfer işlemi oluşturulur (`transactionId`; gelir/gider raporlarına girmez).
+ * Sıra: tarih, sonra oluşturulma anı.
+ */
+const assetMovementSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    assetId: { type: Schema.Types.ObjectId, required: true },
+    kind: { type: String, enum: MOVEMENT_KINDS, required: true },
+    /** "YYYY-MM-DD" (İstanbul). */
+    date: { type: String, required: true },
+    /** Binde bir. */
+    quantity: { type: Number, required: true, min: 1 },
+    unitPriceMinor: { type: Number, default: null },
+    /** Alımda ödenen, satışta alınan, gelen hediyede değer; çıkışta 0. */
+    amountMinor: { type: Number, default: 0, min: 0 },
+    accountId: { type: Schema.Types.ObjectId, default: null },
+    transactionId: { type: Schema.Types.ObjectId, default: null },
+    /** Saklama yeri (kasa, banka kiralık kasası …). */
+    storage: { type: String, default: "", maxlength: 120 },
+    note: { type: String, default: "", maxlength: 300 },
+    /** Aynî borç/alacak ödemesinden gelen hareket (Faz 9b). */
+    inKindDebtId: { type: Schema.Types.ObjectId, default: null },
+    deletedAt: { type: Date, default: null },
+    seedRef: { type: String, default: null },
+    createdBy: { type: Schema.Types.ObjectId, required: true },
+  },
+  { timestamps: true, collection: "assetMovements" },
+);
+
+assetMovementSchema.index({ householdId: 1, assetId: 1, deletedAt: 1, date: 1, createdAt: 1 });
+assetMovementSchema.index(
+  { householdId: 1, seedRef: 1 },
+  { unique: true, partialFilterExpression: { seedRef: { $type: "string" } } },
+);
+
+export type AssetMovement = InferSchemaType<typeof assetMovementSchema>;
+
+export const AssetMovementModel: Model<AssetMovement> =
+  (models.AssetMovement as Model<AssetMovement> | undefined) ??
+  model<AssetMovement>("AssetMovement", assetMovementSchema);

src/models/asset-price.ts

@@ -0,0 +1,29 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { ASSET_KEYS } from "@/shared/assets";
+
+/**
+ * Fiyat tablosu (Bölüm 6.6): varlık × tarih × alış/satış (birim başına kuruş). İlk aşamada elle
+ * giriş; otomatik kaynaklar Faz 17'de `source` ile eklenir. Gün başına tek kayıt (yeniden girişte
+ * güncellenir).
+ */
+const assetPriceSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    assetKey: { type: String, enum: ASSET_KEYS, required: true },
+    /** "YYYY-MM-DD" (İstanbul). */
+    date: { type: String, required: true },
+    buyMinor: { type: Number, required: true, min: 0 },
+    sellMinor: { type: Number, required: true, min: 0 },
+    source: { type: String, enum: ["manual"], default: "manual" },
+    createdBy: { type: Schema.Types.ObjectId, required: true },
+  },
+  { timestamps: true, collection: "assetPrices" },
+);
+
+assetPriceSchema.index({ householdId: 1, assetKey: 1, date: -1 }, { unique: true });
+
+export type AssetPrice = InferSchemaType<typeof assetPriceSchema>;
+
+export const AssetPriceModel: Model<AssetPrice> =
+  (models.AssetPrice as Model<AssetPrice> | undefined) ??
+  model<AssetPrice>("AssetPrice", assetPriceSchema);

src/models/asset.ts

@@ -0,0 +1,34 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { ASSET_KEYS } from "@/shared/assets";
+
+/**
+ * Varlık (Bölüm 6.6): bir varlık türünde tutulan birikim, ör. "Gram altın birikimi" veya
+ * "Düğün ziynetleri". Miktar ve maliyet `assetMovements`ten hesaplanır (ağırlıklı ortalama).
+ * "Yalnızca ben" işaretli varlık ve hareketleri yalnızca sahibine görünür.
+ */
+const assetSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    assetKey: { type: String, enum: ASSET_KEYS, required: true },
+    name: { type: String, required: true, trim: true, maxlength: 80 },
+    note: { type: String, default: "", maxlength: 500 },
+    isPrivate: { type: Boolean, default: false },
+    ownerUserId: { type: Schema.Types.ObjectId, default: null },
+    deletedAt: { type: Date, default: null },
+    seedRef: { type: String, default: null },
+    createdBy: { type: Schema.Types.ObjectId, required: true },
+    updatedBy: { type: Schema.Types.ObjectId, required: true },
+  },
+  { timestamps: true, collection: "assets" },
+);
+
+assetSchema.index({ householdId: 1, deletedAt: 1, name: 1 });
+assetSchema.index(
+  { householdId: 1, seedRef: 1 },
+  { unique: true, partialFilterExpression: { seedRef: { $type: "string" } } },
+);
+
+export type Asset = InferSchemaType<typeof assetSchema>;
+
+export const AssetModel: Model<Asset> =
+  (models.Asset as Model<Asset> | undefined) ?? model<Asset>("Asset", assetSchema);

src/models/attachment.ts

@@ -0,0 +1,51 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { ATTACHMENT_KINDS } from "@/shared/attachments";
+
+/** Ek dosyanın bağlanabileceği kayıt türleri (ileride: alışveriş fişi, cari hareket…). */
+export const ATTACHMENT_OWNER_TYPES = ["transaction"] as const;
+export type AttachmentOwnerType = (typeof ATTACHMENT_OWNER_TYPES)[number];
+
+/**
+ * Ek dosya meta verisi (Bölüm 7.4). Dosyanın kendisi depolama sürücüsünde, rastgele anahtarla.
+ * - Yüklenince `ownerId: null` (bekleyen); kayıt kaydedilince sahibine bağlanır.
+ * - Bekleyen ek yalnızca yükleyene görünür ve 24 saat içinde bağlanmazsa temizlenir.
+ * - Kayıttan çıkarılan ek `deletedAt` alır; dosya saklama süresi sonunda silinir.
+ */
+const attachmentSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    ownerType: { type: String, enum: ATTACHMENT_OWNER_TYPES, default: null },
+    ownerId: { type: Schema.Types.ObjectId, default: null },
+    kind: { type: String, enum: ATTACHMENT_KINDS, required: true },
+    /** Saklanan içeriğin türü (görseller her zaman WebP'ye çevrilir). */
+    mimeType: { type: String, enum: ["image/webp", "application/pdf"], required: true },
+    /** Kaynak tür (jpeg, png, webp, heic, pdf) — bilgi amaçlı. */
+    sourceType: { type: String, required: true },
+    originalName: { type: String, default: "", maxlength: 120 },
+    size: { type: Number, required: true },
+    originalSize: { type: Number, required: true },
+    width: { type: Number, default: null },
+    height: { type: Number, default: null },
+    storageKey: { type: String, required: true },
+    thumbKey: { type: String, default: null },
+    uploadedBy: { type: Schema.Types.ObjectId, required: true },
+    /** Kayıt içindeki sıra (carousel sırası). */
+    order: { type: Number, default: 0 },
+    deletedAt: { type: Date, default: null },
+  },
+  { timestamps: true, collection: "attachments" },
+);
+
+attachmentSchema.index({ householdId: 1, ownerType: 1, ownerId: 1, deletedAt: 1, order: 1 });
+attachmentSchema.index({ ownerId: 1, createdAt: 1 });
+attachmentSchema.index(
+  { deletedAt: 1 },
+  { partialFilterExpression: { deletedAt: { $type: "date" } } },
+);
+attachmentSchema.index({ storageKey: 1 }, { unique: true });
+
+export type Attachment = InferSchemaType<typeof attachmentSchema>;
+
+export const AttachmentModel: Model<Attachment> =
+  (models.Attachment as Model<Attachment> | undefined) ??
+  model<Attachment>("Attachment", attachmentSchema);

src/models/audit-log.ts

@@ -21,11 +21,20 @@ export const AUDIT_ACTIONS = [
   "account.update",
   "account.archive",
   "account.unarchive",
+  "account.reconcile",
   "category.archive",
   "category.unarchive",
   "category.move",
   "transaction.delete",
   "transaction.restore",
+  "recurring.delete",
+  "contact.archive",
+  "contact.unarchive",
+  "inkind.payment",
+  "inkind.close",
+  "inkind.delete",
+  "asset.delete",
+  "asset.movement.delete",
 ] as const;
 export type AuditAction = (typeof AUDIT_ACTIONS)[number];
 

src/models/card-statement.ts

@@ -0,0 +1,38 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+
+/**
+ * Kart/KMH dönem kaydı (Bölüm 6.8, `statements`). Tutarlar işlemlerden hesaplanır ve kart özeti
+ * okunurken güncellenir (geriye dönük girilen işlem dönem borcunu doğru değiştirir); bu koleksiyon
+ * raporlar ve mobil API için son hesaplanan değerleri tutar.
+ */
+const cardStatementSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    accountId: { type: Schema.Types.ObjectId, required: true },
+    kind: { type: String, enum: ["credit_card", "overdraft"], required: true },
+    /** "YYYY-MM-DD" (İstanbul), ikisi de dahil. */
+    periodStart: { type: String, required: true },
+    periodEnd: { type: String, required: true },
+    dueDate: { type: String, default: null },
+    /** Kesim günü sonundaki borç (pozitif). */
+    statementDebtMinor: { type: Number, default: 0 },
+    minimumPaymentMinor: { type: Number, default: 0 },
+    /** Kesimden sonra (bir sonraki kesime kadar) yapılan ödemeler. */
+    paidMinor: { type: Number, default: 0 },
+    /** Dönemdeki harcamalar (çıkışlar). */
+    spentMinor: { type: Number, default: 0 },
+    /** KMH: tahmini faiz. */
+    interestMinor: { type: Number, default: null },
+    computedAt: { type: Date, required: true },
+  },
+  { timestamps: true, collection: "statements" },
+);
+
+cardStatementSchema.index({ accountId: 1, periodEnd: 1 }, { unique: true });
+cardStatementSchema.index({ householdId: 1, accountId: 1, periodEnd: -1 });
+
+export type CardStatement = InferSchemaType<typeof cardStatementSchema>;
+
+export const CardStatementModel: Model<CardStatement> =
+  (models.CardStatement as Model<CardStatement> | undefined) ??
+  model<CardStatement>("CardStatement", cardStatementSchema);

src/models/contact.ts

@@ -0,0 +1,41 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { CONTACT_RELATIONS } from "@/shared/contacts";
+
+/**
+ * Cari kişi (Bölüm 6.4). Hareketler `transactions` içinde transfer olarak tutulur (`contactId`);
+ * bakiye: açılış + çıkışlar − girişler (+ bana borçlu, − ben borçluyum).
+ * "Yalnızca ben" işaretli cari ve hareketleri yalnızca sahibine görünür.
+ */
+const contactSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    name: { type: String, required: true, trim: true, maxlength: 80 },
+    relation: { type: String, enum: CONTACT_RELATIONS, default: "other" },
+    phone: { type: String, default: "", maxlength: 30 },
+    note: { type: String, default: "", maxlength: 500 },
+    /** Uygulamaya başlamadan önceki bakiye (+ bana borçlu, − ben borçluyum). */
+    openingBalanceMinor: { type: Number, default: 0 },
+    openingDate: { type: Date, required: true },
+    /** Kalan bakiyenin vadesi ("YYYY-MM-DD") ve kaç gün önce uyarılacağı. */
+    dueDate: { type: String, default: null },
+    reminderDays: { type: Number, default: 3, min: 0, max: 60 },
+    isPrivate: { type: Boolean, default: false },
+    ownerUserId: { type: Schema.Types.ObjectId, default: null },
+    archivedAt: { type: Date, default: null },
+    seedRef: { type: String, default: null },
+    createdBy: { type: Schema.Types.ObjectId, required: true },
+    updatedBy: { type: Schema.Types.ObjectId, required: true },
+  },
+  { timestamps: true, collection: "contacts" },
+);
+
+contactSchema.index({ householdId: 1, archivedAt: 1, name: 1 });
+contactSchema.index(
+  { householdId: 1, seedRef: 1 },
+  { unique: true, partialFilterExpression: { seedRef: { $type: "string" } } },
+);
+
+export type Contact = InferSchemaType<typeof contactSchema>;
+
+export const ContactModel: Model<Contact> =
+  (models.Contact as Model<Contact> | undefined) ?? model<Contact>("Contact", contactSchema);