feat: Faz 8b - aynî borç/alacak ve fiyat tablosu

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

CHANGELOG.md

@@ -6,6 +6,77 @@ Biçim [Keep a Changelog](https://keepachangelog.com/tr-TR/1.1.0/) esas alınır
 
 ## [Yayınlanmamış]
 
+## [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).

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.
 
 ---

package-lock.json

@@ -1,12 +1,12 @@
 {
   "name": "butcem",
-  "version": "0.6.0",
+  "version": "0.8.0",
   "lockfileVersion": 3,
   "requires": true,
   "packages": {
     "": {
       "name": "butcem",
-      "version": "0.6.0",
+      "version": "0.8.0",
       "dependencies": {
         "@hookform/resolvers": "^7.0.2",
         "@tanstack/react-table": "^9.3.1",

package.json

@@ -1,6 +1,6 @@
 {
   "name": "butcem",
-  "version": "0.6.0",
+  "version": "0.8.0",
   "private": true,
   "description": "BÜTÇEM — aile bütçe, cari, birikim, ev stoğu ve akıllı alışveriş uygulaması",
   "engines": {

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/index.ts

@@ -4,10 +4,14 @@ 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 type { Migration } from "./types";
 
 /** Sıralı migration listesi. Yeni migration: dosyayı ekle ve buraya sırayla ekle. */
-export const MIGRATIONS: Migration[] = [m001, m002, m003, m004];
+export const MIGRATIONS: Migration[] = [m001, m002, m003, m004, m005, m006, m007, m008];
 
 const COLLECTION = "migrations";
 

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

@@ -45,11 +45,30 @@ describe("seed", () => {
       categories: 0,
       accounts: 0,
       transactions: 0,
+      recurringRules: 0,
+      installmentPlans: 0,
+      contacts: 0,
+      inKind: 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

@@ -10,6 +10,10 @@ 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 { seedInKind } from "./in-kind";
+import { seedInstallments } from "./installments";
+import { seedRecurring } from "./recurring";
 import { seedTransactions } from "./transactions";
 import {
   ADMIN_USERNAME,
@@ -43,6 +47,10 @@ export type SeedSummary = {
     categories: number;
     accounts: number;
     transactions: number;
+    recurringRules: number;
+    installmentPlans: number;
+    contacts: number;
+    inKind: number;
   };
   accounts: SeedAccountRow[];
 };
@@ -58,6 +66,11 @@ const DOMAIN_COLLECTIONS = [
   "payees",
   "attachments",
   "reconciliations",
+  "recurringRules",
+  "statements",
+  "contacts",
+  "assetPrices",
+  "inKindDebts",
 ];
 
 type AuthApi = ReturnType<typeof getAuth>["api"];
@@ -107,6 +120,10 @@ export async function runSeed({
       categories: 0,
       accounts: 0,
       transactions: 0,
+      recurringRules: 0,
+      installmentPlans: 0,
+      contacts: 0,
+      inKind: 0,
     },
     accounts: [],
   };
@@ -272,6 +289,19 @@ 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}`);
 
   // 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)/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

@@ -3,6 +3,8 @@ 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 { OverdueBanner } from "@/features/recurring/components/overdue-banner";
 import { tr } from "@/i18n/tr";
 import { requireActiveHousehold } from "@/lib/dal";
 import { cn } from "@/lib/utils";
@@ -59,6 +61,12 @@ 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 />
       </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

@@ -2,6 +2,7 @@ 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";
@@ -21,10 +22,20 @@ export default async function AccountStatementPage({
   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/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 = 6.3;
+export const CURRENT_PHASE = 8.2;
 
 export const isAvailable = (item: NavItem) => item.phase <= CURRENT_PHASE;
 
@@ -36,8 +36,8 @@ 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: "/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 },
   { href: "/butce", label: tr.nav.budget, icon: Target, phase: 10 },
   { href: "/stok", label: tr.nav.stock, icon: Package, phase: 11 },

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/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/attachments/service.int.test.ts

@@ -67,6 +67,7 @@ async function form(over: Partial<TransactionForm>): Promise<TransactionForm> {
     description: "",
     tags: [],
     attachmentIds: [],
+    installments: 1,
     ...over,
   };
 }
@@ -244,7 +245,7 @@ describe("işleme bağlama", () => {
       cakir,
       txId,
       await form({
-        accountId: detail!.account.id,
+        accountId: detail!.account!.id,
         categoryId: detail!.categoryId,
         attachmentIds: [a3.id, a4.id],
       }),

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 +1,272 @@
+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 +1,713 @@
+"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 { 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 { 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). */
+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;
+}
+
+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);
+
+  async function submit(e: React.FormEvent) {
+    e.preventDefault();
+    setBusy(true);
+    const r = await recordPaymentAction(item.id, {
+      method,
+      date: v.date,
+      quantity: method === "cash" ? "" : v.quantity,
+      amount: v.amount,
+      accountId: v.amount ? v.accountId || accounts?.[0]?.id || "" : "",
+      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}
+            <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 === "cash" || v.amount ? (
+            <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/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 +1,573 @@
+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 {
+  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 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;
+}
+
+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 } },
+  );
+  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,
+  );
+
+  await mongoose.connection.transaction(async (session) => {
+    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,
+    );
+  });
+  return ok({ closed });
+}
+
+/** 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/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

@@ -8,6 +8,7 @@ import { getHouseholdActionContext } from "@/lib/dal";
 import { reconcileSchema } from "@/shared/schemas/reconciliation";
 import { transactionFormSchema } from "@/shared/schemas/transaction";
 import {
+  cancelRemainingInstallments,
   createTransaction,
   getTransaction,
   getTransactionFormOptions,
@@ -106,6 +107,19 @@ export async function searchPayeesAction(query: unknown): Promise<PayeeSuggestio
   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,

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

@@ -27,6 +27,8 @@ 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;
@@ -57,9 +59,13 @@ function SignedMoney({ minor, className }: { minor: number; className?: string }
 
 export function StatementView({
   statement: s,
+  card,
+  overdraft,
   canWrite,
 }: {
   statement: AccountStatement;
+  card?: CardSummary | null;
+  overdraft?: OverdraftSummary | null;
   canWrite: boolean;
 }) {
   const { openDetail, element: detailElement } = useTransactionDetail(canWrite);
@@ -95,6 +101,13 @@ export function StatementView({
         }
       />
 
+      {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}`}>

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

@@ -42,9 +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 };
 
@@ -62,22 +75,26 @@ type FormValues = {
   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;
@@ -85,7 +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) => ({
@@ -98,10 +115,11 @@ function toValues(mode: TransactionFormMode, options: TransactionFormOptions | n
     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,
@@ -148,7 +166,7 @@ function AccountSelect({
   );
 }
 
-function CategorySelect({
+export function CategorySelect({
   id,
   value,
   onChange,
@@ -199,7 +217,7 @@ function CategorySelect({
 }
 
 /** Satıcı alanı: yazdıkça öneri; seçilince son kullanılan kategori/hesap önerilir. */
-function PayeeInput({
+export function PayeeInput({
   value,
   onChange,
   onPick,
@@ -374,6 +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;
 
@@ -448,6 +473,7 @@ export function TransactionFormDialog({
     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,
@@ -595,6 +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"

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

@@ -1,6 +1,16 @@
 "use client";
 
-import { ArrowLeftRight, CheckCheck, Copy, Pencil, Scale, Split, Trash2 } from "lucide-react";
+import {
+  ArrowLeftRight,
+  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";
@@ -23,7 +33,11 @@ import { tr } from "@/i18n/tr";
 import { cn } from "@/lib/utils";
 import { formatDate, formatDateTime, formatMoney } from "@/shared/format";
 import type { TransactionType } from "@/shared/transactions";
-import { getTransactionAction, setTransactionDeletedAction } from "../actions";
+import {
+  cancelRemainingInstallmentsAction,
+  getTransactionAction,
+  setTransactionDeletedAction,
+} from "../actions";
 import type { TransactionDetail, TransactionListItem } from "../service";
 
 /** İşlem listesi, ayrıntı ve hesap ekstresinin paylaştığı parçalar. */
@@ -79,6 +93,13 @@ export function RowIcon({ item }: { item: TransactionListItem }) {
       </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">
@@ -101,7 +122,14 @@ export function RowIcon({ item }: { item: TransactionListItem }) {
 }
 
 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.payeeName) return item.payeeName;
   if (item.description) return item.description;
   if (item.type === "transfer") return t.types.transfer;
@@ -109,14 +137,18 @@ export function rowTitle(item: TransactionListItem) {
 }
 
 export function rowSubtitle(item: TransactionListItem) {
+  if (item.contact) {
+    const account = item.account?.name ?? item.toAccount?.name ?? "—";
+    return `${tr.contacts.kinds[item.contact.kind]} · ${account}`;
+  }
   if (item.type === "transfer")
-    return t.list.transfer(item.account.name, item.toAccount?.name ?? "—");
+    return t.list.transfer(item.account?.name ?? "—", item.toAccount?.name ?? "—");
   const what = item.isAdjustment
     ? item.description
     : item.splitCount
       ? t.list.split(item.splitCount)
       : (item.category?.path ?? "—");
-  return `${what} · ${item.account.name}`;
+  return `${what} · ${item.account?.name ?? "—"}`;
 }
 
 function DetailDialog({
@@ -127,6 +159,7 @@ function DetailDialog({
   onEdit,
   onCopy,
   onDelete,
+  onCancelInstallments,
 }: {
   detail: TransactionDetail | null;
   loading: boolean;
@@ -135,6 +168,7 @@ function DetailDialog({
   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) => (
@@ -155,8 +189,15 @@ function DetailDialog({
               <Trash2 />
               {t.actions.delete}
             </Button>
-            {/* Mutabakat düzeltmesi düzenlenemez/kopyalanamaz; yalnızca silinebilir. */}
-            {detail.isAdjustment ? null : (
+            {/* Mutabakat düzeltmesi düzenlenemez/kopyalanamaz; cari hareketi cari sayfasında. */}
+            {detail.contact ? (
+              <Button asChild>
+                <Link href={`/cari/${detail.contact.id}`}>
+                  <Pencil />
+                  {tr.contacts.openContact}
+                </Link>
+              </Button>
+            ) : detail.isAdjustment ? null : (
               <>
                 <Button variant="outline" onClick={() => onCopy(detail)}>
                   <Copy />
@@ -190,10 +231,20 @@ function DetailDialog({
           <dl className="divide-y border-y">
             {row(t.filters.type, <Badge variant="secondary">{t.types[detail.type]}</Badge>)}
             {detail.status !== "posted" ? row(t.filters.status, t.statuses[detail.status]) : null}
-            {row(
-              detail.type === "transfer" ? t.fields.fromAccount : t.fields.account,
-              detail.account.name,
-            )}
+            {detail.contact
+              ? row(
+                  tr.contacts.contact,
+                  <Link href={`/cari/${detail.contact.id}`} className="hover:underline">
+                    {detail.contact.name} · {tr.contacts.kinds[detail.contact.kind]}
+                  </Link>,
+                )
+              : null}
+            {detail.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}
@@ -219,6 +270,27 @@ function DetailDialog({
                   </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,
@@ -323,6 +395,14 @@ export function useTransactionDetail(canWrite: boolean) {
           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>

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

@@ -52,6 +52,7 @@ function form(over: Partial<TransactionForm>): TransactionForm {
     description: "",
     tags: [],
     attachmentIds: [],
+    installments: 1,
     ...over,
   };
 }
@@ -84,6 +85,7 @@ describe("bakiye tutarlılığı", () => {
       cardDueKind: "daysAfter" as const,
       cardDueValue: 10,
       cardPaymentAccountId: null,
+      cardMinimumRate: null,
     };
     const b = await createAccount(ids.user("ayse"), cakir, {
       ...base,
@@ -381,7 +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

@@ -13,13 +13,16 @@ import { writeAudit } from "@/lib/audit";
 import { getDb } from "@/lib/db/mongo";
 import { toObjectId } from "@/lib/object-id";
 import { AccountModel } from "@/models/account";
+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";
@@ -66,7 +69,8 @@ export async function loadContext(
 ) {
   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] = await Promise.all([
     AccountModel.find({ householdId: m.householdId })
       .select({ name: 1, type: 1, archivedAt: 1, isPrivate: 1, ownerUserId: 1, icon: 1, color: 1 })
       .lean(),
@@ -82,6 +86,9 @@ export async function loadContext(
         ancestors: 1,
       })
       .lean(),
+    ContactModel.find({ householdId: m.householdId })
+      .select({ name: 1, isPrivate: 1, ownerUserId: 1, archivedAt: 1 })
+      .lean(),
   ]);
   const accountMap = new Map<string, AccountInfo>(
     accounts.map((a) => [
@@ -124,18 +131,39 @@ export async function loadContext(
     ]),
   );
   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);
+  return {
+    m,
+    accountMap,
+    categoryMap,
+    contactMap,
+    hiddenAccountIds,
+    hiddenContactIds,
+    flatCategories: flat,
+  };
 }
 
 export type Ctx = NonNullable<Awaited<ReturnType<typeof loadContext>>>;
 
-/** Gizli hesaplara dokunan işlemleri dışlayan temel filtre. */
-function baseFilter(ctx: Ctx): Record<string, unknown> {
+/** Gizli hesaplara veya gizli carilere 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 };
   return f;
 }
 
@@ -145,9 +173,28 @@ 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 } },
     {
@@ -200,13 +247,13 @@ 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,
@@ -217,7 +264,7 @@ 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 });
@@ -280,7 +327,7 @@ 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,
@@ -318,6 +365,11 @@ 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,
@@ -330,21 +382,33 @@ export async function createTransaction(
   try {
     let id = "";
     await mongoose.connection.transaction(async (session) => {
-      const [doc] = await TransactionModel.create(
-        [
-          {
-            ...built.data,
-            householdId: ctx.m.householdId,
-            status: "posted",
-            payeeId,
-            createdBy: actor,
-            updatedBy: actor,
-          },
-        ],
-        { session },
-      );
-      id = String(doc!._id);
-      await attach(ctx, actorId, doc!._id, input, 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) {
@@ -384,7 +448,7 @@ async function attach(
   );
 }
 
-async function loadOwnTransaction(
+export async function loadOwnTransaction(
   ctx: Ctx,
   transactionId: string,
   { includeDeleted = false } = {},
@@ -407,6 +471,8 @@ export async function updateTransaction(
   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);
   const built = buildDoc(ctx, input, current);
   if (!built.ok) return built;
   const d = built.data as {
@@ -429,7 +495,7 @@ export async function updateTransaction(
     d.type !== current.type ||
     d.amountMinor !== current.amountMinor ||
     d.date.getTime() !== new Date(current.date).getTime() ||
-    !d.accountId.equals(current.accountId) ||
+    String(d.accountId) !== String(current.accountId ?? "") ||
     String(d.toAccountId ?? "") !== String(current.toAccountId ?? "");
   try {
     await mongoose.connection.transaction(async (session) => {
@@ -441,6 +507,8 @@ export async function updateTransaction(
             payeeId,
             updatedBy: new Types.ObjectId(actorId),
             ...(balanceChanged ? { reconciledAccountIds: [] } : {}),
+            // Serinin planlı tekrarı tek başına düzenlendi ("yalnızca bu").
+            ...(current.recurringRuleId && current.status === "planned" ? { detached: true } : {}),
           },
         },
         { session },
@@ -464,6 +532,8 @@ 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);
   const actor = new Types.ObjectId(actorId);
   await TransactionModel.updateOne(
     { _id: current._id, householdId: ctx.m.householdId },
@@ -484,6 +554,41 @@ 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 = {
@@ -492,8 +597,11 @@ 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;
   category: { id: string; name: string; path: string; icon: IconKey; color: Swatch } | null;
   splitCount: number;
   payeeName: string;
@@ -505,6 +613,8 @@ export type TransactionListItem = {
   isAdjustment: boolean;
   /** Mutabakatı yapılmış hesaplar. */
   reconciledAccountIds: string[];
+  /** Taksit: "4/9" */
+  installment: { planId: string; index: number; count: number } | null;
 };
 
 export type TransactionDetail = TransactionListItem & {
@@ -552,7 +662,7 @@ export function toItem(ctx: Ctx, tx: LeanTx, names: Map<string, string>): Transa
     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 }
@@ -565,6 +675,21 @@ export function toItem(ctx: Ctx, tx: LeanTx, names: Map<string, string>): Transa
     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,
+    installment: tx.installment?.planId
+      ? {
+          planId: String(tx.installment.planId),
+          index: tx.installment.index ?? 0,
+          count: tx.installment.count ?? 0,
+        }
+      : null,
   };
 }
 
@@ -582,7 +707,8 @@ 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).
@@ -630,7 +756,7 @@ export async function listTransactions(
       {
         $match: {
           ...query,
-          status: query.status ?? "posted",
+          status: filters.durum ?? "posted",
           type: query.type ?? { $in: ["income", "expense"] },
         },
       },
@@ -751,7 +877,11 @@ export async function exportTransactions(
     } else {
       out.push({
         ...common,
-        category: r.isAdjustment ? t.adjustment : categoryPath(r.categoryId),
+        category: r.isAdjustment
+          ? t.adjustment
+          : r.contactId && r.contactKind
+            ? `${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

@@ -100,6 +100,7 @@ describe("hesap ekstresi", () => {
       description: "",
       tags: [],
       attachmentIds: [],
+      installments: 1,
     } satisfies TransactionForm);
     expect(r.ok).toBe(true);
     const s = (await getAccountStatement(emre, cakir, ziraat, currentMonth()))!;
@@ -172,6 +173,7 @@ describe("mutabakat", () => {
       description: "",
       tags: [],
       attachmentIds: [],
+      installments: 1,
     });
     expect(edit.ok).toBe(false);
     expect((await setTransactionDeleted(ayse, cakir, adjustmentId, true)).ok).toBe(true);
@@ -215,6 +217,7 @@ describe("mutabakat", () => {
       description: "yeni açıklama",
       tags: d.tags,
       attachmentIds: [],
+      installments: 1,
     };
     expect((await updateTransaction(ayse, cakir, d.id, base)).ok).toBe(true);
     expect(

src/features/transactions/statement.ts

@@ -36,7 +36,7 @@ const DAY_MS = 24 * 60 * 60 * 1000;
 const MAX_ROWS = 2000;
 
 /** Hesap bazında bakiyeyi etkileyen işlemler (posted, silinmemiş). */
-function accountMatch(householdId: Types.ObjectId, accountId: Types.ObjectId) {
+export function accountMatch(householdId: Types.ObjectId, accountId: Types.ObjectId) {
   return {
     householdId,
     status: "posted" as const,
@@ -46,7 +46,7 @@ function accountMatch(householdId: Types.ObjectId, accountId: Types.ObjectId) {
 }
 
 /** Açılış bakiyesi + (isteğe bağlı tarihten önceki) işlem etkileri. */
-async function balanceBefore(
+export async function balanceBefore(
   householdId: Types.ObjectId,
   account: { _id: Types.ObjectId; openingBalanceMinor: number },
   before: Date | null,
@@ -201,7 +201,15 @@ export async function getAccountStatement(
   const effects = rowsAsc.map((tx) => {
     const item = toItem(ctx, tx, names);
     const counterpart = tx.type === "transfer" ? [item.account, item.toAccount] : [];
-    const restricted = counterpart.some((a) => a && ctx.accountMap.get(a.id)?.hidden);
+    // 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) {

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",
@@ -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:
@@ -348,10 +361,91 @@ export const tr = {
     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.",
     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",
@@ -382,6 +476,234 @@ export const tr = {
       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",
+    },
+  },
+  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",
@@ -626,6 +948,7 @@ 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/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-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/audit-log.ts

@@ -27,6 +27,12 @@ export const AUDIT_ACTIONS = [
   "category.move",
   "transaction.delete",
   "transaction.restore",
+  "recurring.delete",
+  "contact.archive",
+  "contact.unarchive",
+  "inkind.payment",
+  "inkind.close",
+  "inkind.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);

src/models/in-kind-debt.ts

@@ -0,0 +1,61 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { ASSET_KEYS } from "@/shared/assets";
+
+/**
+ * Aynî borç/alacak (Bölüm 6.5): bir cariyle altın, ziynet veya döviz cinsinden borç.
+ * Borç tarihi fiyatı ve TL karşılığı not olarak saklanır; güncel değer fiyat tablosundan.
+ * Kapanış yalnızca "Ödeme gerçekleşti" kayıtlarıyla (kısmi ödeme miktarı düşürür).
+ * Birikim planı: katkılar seçilen birikim hesabına transferdir (`transactions.inKindDebtId`).
+ */
+const paymentSchema = new Schema(
+  {
+    date: { type: String, required: true },
+    /** asset: aynı varlıkla · cash: TL karşılığıyla. */
+    method: { type: String, enum: ["asset", "cash"], required: true },
+    quantity: { type: Number, required: true, min: 1 },
+    /** Ödemede harcanan / tahsil edilen TL (aynı varlıkla ödemede varlığı almak için harcanan). */
+    amountMinor: { type: Number, default: 0, min: 0 },
+    accountId: { type: Schema.Types.ObjectId, default: null },
+    transactionId: { type: Schema.Types.ObjectId, default: null },
+    note: { type: String, default: "", maxlength: 300 },
+    createdBy: { type: Schema.Types.ObjectId, required: true },
+  },
+  { _id: true, timestamps: { createdAt: true, updatedAt: false } },
+);
+
+const inKindDebtSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    contactId: { type: Schema.Types.ObjectId, required: true },
+    /** debt: ben borçluyum · receivable: bana borçlu. */
+    direction: { type: String, enum: ["debt", "receivable"], required: true },
+    assetKey: { type: String, enum: ASSET_KEYS, required: true },
+    /** Binde bir (5 gr → 5000). */
+    quantity: { type: Number, required: true, min: 1 },
+    date: { type: String, required: true },
+    unitPriceMinor: { type: Number, default: null },
+    valueMinor: { type: Number, default: null },
+    note: { type: String, default: "", maxlength: 500 },
+    savingsAccountId: { type: Schema.Types.ObjectId, default: null },
+    monthlyPlanMinor: { type: Number, default: null },
+    payments: { type: [paymentSchema], default: [] },
+    closedAt: { type: String, 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: "inKindDebts" },
+);
+
+inKindDebtSchema.index({ householdId: 1, contactId: 1, deletedAt: 1 });
+inKindDebtSchema.index(
+  { householdId: 1, seedRef: 1 },
+  { unique: true, partialFilterExpression: { seedRef: { $type: "string" } } },
+);
+
+export type InKindDebt = InferSchemaType<typeof inKindDebtSchema>;
+
+export const InKindDebtModel: Model<InKindDebt> =
+  (models.InKindDebt as Model<InKindDebt> | undefined) ??
+  model<InKindDebt>("InKindDebt", inKindDebtSchema);

src/models/recurring-rule.ts

@@ -0,0 +1,52 @@
+import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { FREQUENCIES, MONTHLY_MODES } from "@/shared/recurrence";
+import { TRANSACTION_TYPES } from "@/shared/transactions";
+
+/**
+ * Düzenli işlem kuralı (Bölüm 6.7). Her tekrar için `planned` durumunda bir işlem üretilir
+ * (`transactions.recurringRuleId` + `occurrenceIndex`, benzersiz). Bitiş tarihsiz kurallarda
+ * ufuk 12 ay; okuma sırasında ilerletilir.
+ */
+const recurringRuleSchema = new Schema(
+  {
+    householdId: { type: Schema.Types.ObjectId, required: true },
+    // İşlem şablonu (bölme yok).
+    type: { type: String, enum: TRANSACTION_TYPES, required: true },
+    amountMinor: { type: Number, required: true, min: 1 },
+    /** Tutar tahmini mi (ör. fatura)? Onaylarken düzeltilir. */
+    isEstimate: { type: Boolean, default: false },
+    accountId: { type: Schema.Types.ObjectId, required: true },
+    toAccountId: { type: Schema.Types.ObjectId, default: null },
+    categoryId: { type: Schema.Types.ObjectId, default: null },
+    payeeName: { type: String, default: "", maxlength: 80 },
+    description: { type: String, default: "", maxlength: 500 },
+    tags: { type: [String], default: [] },
+    // Tekrar.
+    frequency: { type: String, enum: FREQUENCIES, required: true },
+    interval: { type: Number, default: 1, min: 1, max: 12 },
+    monthlyMode: { type: String, enum: MONTHLY_MODES, default: "day" },
+    /** "YYYY-MM-DD" (İstanbul günü). */
+    startDate: { type: String, required: true },
+    endDate: { type: String, default: null },
+    count: { type: Number, default: null, min: 1 },
+    /** Üretilen son ufuk ("YYYY-MM-DD"); null → hiç üretilmedi. */
+    generatedUntil: { type: String, 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: "recurringRules" },
+);
+
+recurringRuleSchema.index({ householdId: 1, deletedAt: 1, generatedUntil: 1 });
+recurringRuleSchema.index(
+  { householdId: 1, seedRef: 1 },
+  { unique: true, partialFilterExpression: { seedRef: { $type: "string" } } },
+);
+
+export type RecurringRule = InferSchemaType<typeof recurringRuleSchema>;
+
+export const RecurringRuleModel: Model<RecurringRule> =
+  (models.RecurringRule as Model<RecurringRule> | undefined) ??
+  model<RecurringRule>("RecurringRule", recurringRuleSchema);

src/models/transaction.ts

@@ -1,4 +1,5 @@
 import { model, models, Schema, type InferSchemaType, type Model } from "mongoose";
+import { CONTACT_ENTRY_KINDS } from "@/shared/contacts";
 import { TRANSACTION_STATUSES, TRANSACTION_TYPES } from "@/shared/transactions";
 
 /**
@@ -21,7 +22,8 @@ const transactionSchema = new Schema(
     status: { type: String, enum: TRANSACTION_STATUSES, default: "posted" },
     /** İstanbul gününün başlangıç anı (UTC). */
     date: { type: Date, required: true },
-    accountId: { type: Schema.Types.ObjectId, required: true },
+    /** Kaynak hesap. Cariden girişte (borç alma, tahsilat) null; hedef `toAccountId`. */
+    accountId: { type: Schema.Types.ObjectId, default: null },
     toAccountId: { type: Schema.Types.ObjectId, default: null },
     amountMinor: { type: Number, required: true, min: 1 },
     /** Bölünmemiş gelir/giderde kategori; bölünmüşte null ve kalemler `splits`te. */
@@ -39,6 +41,12 @@ const transactionSchema = new Schema(
     attachmentCount: { type: Number, default: 0 },
     // İleri fazlar: planlı işlem kuralı (7), taksit (7), kart dönemi (7), cari (8).
     recurringRuleId: { type: Schema.Types.ObjectId, default: null },
+    /** Serideki sıra (0'dan); kuralla birlikte benzersiz (tekrar üretimi idempotent). */
+    occurrenceIndex: { type: Number, default: null },
+    /** Tek başına düzenlendi/ertelendi: "tümü" güncellemesinde korunur. */
+    detached: { type: Boolean, default: false },
+    /** Planlı tutar tahmini (ör. fatura); onaylarken kesinleşir. */
+    isEstimate: { type: Boolean, default: false },
     installment: {
       type: new Schema(
         { planId: Schema.Types.ObjectId, index: Number, count: Number },
@@ -47,7 +55,15 @@ const transactionSchema = new Schema(
       default: null,
     },
     statementId: { type: Schema.Types.ObjectId, default: null },
+    /** Cari transferi: karşı taraf kişi (hesabın biri boş). */
     contactId: { type: Schema.Types.ObjectId, default: null },
+    contactKind: { type: String, enum: [...CONTACT_ENTRY_KINDS, null], default: null },
+    /**
+     * Aynî borca bağlı para hareketi: birikim katkısı (hesap → birikim hesabı) veya ödeme.
+     * `contactId` görünürlük için doludur ama `contactKind` boştur: cari TL bakiyesine girmez.
+     */
+    inKindDebtId: { type: Schema.Types.ObjectId, default: null },
+    inKindRole: { type: String, enum: ["contribution", "payment", null], default: null },
     /**
      * Mutabakatı yapılmış hesaplar (Bölüm 6.1). Transfer iki hesaba dokunduğu için hesap bazında
      * tutulur. Tutar, tarih, tür veya hesap değişirse işaret kalkar.
@@ -70,6 +86,12 @@ transactionSchema.index({ householdId: 1, accountId: 1, date: -1 });
 transactionSchema.index({ householdId: 1, toAccountId: 1, date: -1 });
 transactionSchema.index({ householdId: 1, effectiveCategoryIds: 1, date: -1 });
 transactionSchema.index({ householdId: 1, tags: 1 });
+transactionSchema.index({ householdId: 1, contactId: 1, date: 1 }, { sparse: true });
+transactionSchema.index({ "installment.planId": 1 }, { sparse: true });
+transactionSchema.index(
+  { recurringRuleId: 1, occurrenceIndex: 1 },
+  { unique: true, partialFilterExpression: { recurringRuleId: { $type: "objectId" } } },
+);
 transactionSchema.index(
   { householdId: 1, seedRef: 1 },
   { unique: true, partialFilterExpression: { seedRef: { $type: "string" } } },

src/shared/assets.test.ts

@@ -0,0 +1,64 @@
+import { describe, expect, it } from "vitest";
+import {
+  formatAssetQuantity,
+  inKindProgress,
+  quantityForAmount,
+  valuationPrice,
+  valueOf,
+} from "./assets";
+
+describe("varlık hesapları", () => {
+  it("değer ve miktar karşılığı (binde bir miktar, kuruş fiyat)", () => {
+    // 5 gr × 3.250,50 TL = 16.252,50 TL
+    expect(valueOf(5_000, 3_250_50)).toBe(16_252_50);
+    expect(valueOf(1_500, 100_00)).toBe(150_00);
+    expect(quantityForAmount(16_252_50, 3_250_50)).toBe(5_000);
+    expect(quantityForAmount(100, 0)).toBe(0);
+  });
+
+  it("biçim", () => {
+    expect(formatAssetQuantity("gram_gold", 5_000)).toBe("5 gr Gram altın (24 ayar)");
+    expect(formatAssetQuantity("quarter_gold", 2_000)).toBe("2 adet Çeyrek altın");
+    expect(formatAssetQuantity("usd", 1_500_000)).toBe("1.500 USD");
+    expect(formatAssetQuantity("bracelet_22k", 12_345)).toBe("12,345 gr 22 ayar bilezik");
+  });
+
+  it("değerleme fiyatı: borç satış, alacak alış", () => {
+    const p = { buyMinor: 3_200_00, sellMinor: 3_300_00 };
+    expect(valuationPrice("debt", p)).toBe(3_300_00);
+    expect(valuationPrice("receivable", p)).toBe(3_200_00);
+    expect(valuationPrice("debt", null)).toBeNull();
+  });
+});
+
+describe("aynî borç ilerlemesi", () => {
+  const base = {
+    quantity: 5_000,
+    paidQuantity: 0,
+    unitPriceMinor: 3_000_00,
+    contributedMinor: 6_000_00,
+    spentMinor: 0,
+    monthlyPlanMinor: 2_000_00,
+    today: "2026-11-05",
+  };
+
+  it("kalan ihtiyaç ve tahmini kapanış ayı", () => {
+    // 5 gr × 3.000 = 15.000; biriken 6.000 → 9.000 kaldı; ayda 2.000 → 5 ay → 2027-04
+    expect(inKindProgress(base)).toEqual({
+      remainingQuantity: 5_000,
+      currentValueMinor: 15_000_00,
+      accumulatedMinor: 6_000_00,
+      remainingNeedMinor: 9_000_00,
+      estimatedCloseMonth: "2027-04",
+    });
+  });
+
+  it("kısmi ödeme, birikim yeterli, fiyat yok, plan yok", () => {
+    expect(inKindProgress({ ...base, paidQuantity: 3_000 }).remainingNeedMinor).toBe(0);
+    expect(inKindProgress({ ...base, paidQuantity: 3_000 }).estimatedCloseMonth).toBe("2026-11");
+    expect(inKindProgress({ ...base, unitPriceMinor: null }).remainingNeedMinor).toBeNull();
+    expect(inKindProgress({ ...base, monthlyPlanMinor: null }).estimatedCloseMonth).toBeNull();
+    expect(inKindProgress({ ...base, paidQuantity: 5_000 }).remainingQuantity).toBe(0);
+    expect(inKindProgress({ ...base, spentMinor: 9_000_00 }).accumulatedMinor).toBe(0);
+  });
+});

src/shared/assets.ts

@@ -0,0 +1,118 @@
+import { QUANTITY_SCALE } from "./quantity";
+import { addMonths } from "./recurrence";
+
+/**
+ * Varlık türleri (Bölüm 6.5–6.6): altın, ziynet, gümüş ve döviz. Miktarlar binde bir tamsayı
+ * (5 gr → 5000, 2 adet çeyrek → 2000). Fiyatlar birim başına kuruş.
+ *
+ * Fiyat terimleri kuyumcu/döviz bürosu tarafından: "alış" = kurumun sizden aldığı (düşük),
+ * "satış" = kurumun size sattığı (yüksek). Faz 0 kararı: varlıklar ve aynî alacaklar ALIŞ,
+ * aynî borçlar SATIŞ fiyatıyla değerlenir.
+ */
+
+export const ASSET_KEYS = [
+  "gram_gold",
+  "quarter_gold",
+  "half_gold",
+  "full_gold",
+  "republic_gold",
+  "bracelet_22k",
+  "silver_gram",
+  "usd",
+  "eur",
+  "gbp",
+] as const;
+export type AssetKey = (typeof ASSET_KEYS)[number];
+
+export type AssetUnit = "gr" | "adet" | "birim";
+
+export const ASSETS: Record<
+  AssetKey,
+  { label: string; unit: AssetUnit; group: "gold" | "silver" | "fx" }
+> = {
+  gram_gold: { label: "Gram altın (24 ayar)", unit: "gr", group: "gold" },
+  quarter_gold: { label: "Çeyrek altın", unit: "adet", group: "gold" },
+  half_gold: { label: "Yarım altın", unit: "adet", group: "gold" },
+  full_gold: { label: "Tam altın", unit: "adet", group: "gold" },
+  republic_gold: { label: "Cumhuriyet (Ata) altını", unit: "adet", group: "gold" },
+  bracelet_22k: { label: "22 ayar bilezik", unit: "gr", group: "gold" },
+  silver_gram: { label: "Gümüş (gram)", unit: "gr", group: "silver" },
+  usd: { label: "ABD doları", unit: "birim", group: "fx" },
+  eur: { label: "Euro", unit: "birim", group: "fx" },
+  gbp: { label: "İngiliz sterlini", unit: "birim", group: "fx" },
+};
+
+const FX_SYMBOL: Partial<Record<AssetKey, string>> = { usd: "USD", eur: "EUR", gbp: "GBP" };
+
+/** "5 gr Gram altın (24 ayar)", "2 adet Çeyrek altın", "1.500 USD". */
+export function formatAssetQuantity(key: AssetKey, quantity: number): string {
+  const n = (quantity / QUANTITY_SCALE).toLocaleString("tr-TR", { maximumFractionDigits: 3 });
+  const fx = FX_SYMBOL[key];
+  if (fx) return `${n} ${fx}`;
+  const a = ASSETS[key];
+  return `${n} ${a.unit} ${a.label}`;
+}
+
+/** Miktar × birim fiyat (kuruş, yuvarlanır). */
+export function valueOf(quantity: number, unitPriceMinor: number): number {
+  return Math.round((quantity * unitPriceMinor) / QUANTITY_SCALE);
+}
+
+/** TL tutarın karşılığı olan miktar (binde bir, yuvarlanır). */
+export function quantityForAmount(amountMinor: number, unitPriceMinor: number): number {
+  if (unitPriceMinor <= 0) return 0;
+  return Math.round((amountMinor * QUANTITY_SCALE) / unitPriceMinor);
+}
+
+export type InKindDirection = "debt" | "receivable";
+
+/** Değerlemede kullanılacak fiyat: borç → satış, alacak → alış. */
+export function valuationPrice(
+  direction: InKindDirection,
+  price: { buyMinor: number; sellMinor: number } | null,
+): number | null {
+  if (!price) return null;
+  return direction === "debt" ? price.sellMinor : price.buyMinor;
+}
+
+export type InKindProgress = {
+  remainingQuantity: number;
+  /** Kalan miktarın güncel TL karşılığı (fiyat yoksa null). */
+  currentValueMinor: number | null;
+  /** Birikim planı: biriken − ödemelerde kullanılan. */
+  accumulatedMinor: number;
+  remainingNeedMinor: number | null;
+  /** Aylık birikimle kalan ihtiyaç kaç ayda kapanır; "YYYY-MM" (plan yoksa null). */
+  estimatedCloseMonth: string | null;
+};
+
+export function inKindProgress(input: {
+  quantity: number;
+  paidQuantity: number;
+  unitPriceMinor: number | null;
+  contributedMinor: number;
+  spentMinor: number;
+  monthlyPlanMinor: number | null;
+  today: string;
+}): InKindProgress {
+  const remainingQuantity = Math.max(0, input.quantity - input.paidQuantity);
+  const currentValueMinor =
+    input.unitPriceMinor === null ? null : valueOf(remainingQuantity, input.unitPriceMinor);
+  const accumulatedMinor = Math.max(0, input.contributedMinor - input.spentMinor);
+  const remainingNeedMinor =
+    currentValueMinor === null ? null : Math.max(0, currentValueMinor - accumulatedMinor);
+  let estimatedCloseMonth: string | null = null;
+  if (remainingQuantity === 0) estimatedCloseMonth = null;
+  else if (remainingNeedMinor === 0) estimatedCloseMonth = input.today.slice(0, 7);
+  else if (remainingNeedMinor !== null && input.monthlyPlanMinor && input.monthlyPlanMinor > 0) {
+    const months = Math.ceil(remainingNeedMinor / input.monthlyPlanMinor);
+    estimatedCloseMonth = addMonths(`${input.today.slice(0, 7)}-01`, months).slice(0, 7);
+  }
+  return {
+    remainingQuantity,
+    currentValueMinor,
+    accumulatedMinor,
+    remainingNeedMinor,
+    estimatedCloseMonth,
+  };
+}

src/shared/card-periods.test.ts

@@ -0,0 +1,82 @@
+import { describe, expect, it } from "vitest";
+import {
+  cardPeriods,
+  closingOnOrAfter,
+  dueDate,
+  estimateOverdraftInterest,
+  installmentSchedule,
+  minimumPayment,
+  minimumRateBp,
+  nextPeriod,
+  periodContaining,
+} from "./card-periods";
+
+describe("dönem hesabı", () => {
+  it("kesim günü dahil hesap kesim dönemine girer; ertesi gün yeni dönem", () => {
+    expect(periodContaining("2026-10-29", 29)).toEqual({ start: "2026-09-30", end: "2026-10-29" });
+    expect(periodContaining("2026-10-30", 29)).toEqual({ start: "2026-10-30", end: "2026-11-29" });
+  });
+
+  it("kesim günü ayda yoksa ayın son günü (31 → Şubat 28/29)", () => {
+    expect(closingOnOrAfter("2026-02-10", 31)).toBe("2026-02-28");
+    expect(periodContaining("2028-03-05", 31)).toEqual({ start: "2028-03-01", end: "2028-03-31" });
+    expect(periodContaining("2026-03-01", 30)).toEqual({ start: "2026-03-01", end: "2026-03-30" });
+    expect(periodContaining("2026-02-28", 30)).toEqual({ start: "2026-01-31", end: "2026-02-28" });
+  });
+
+  it("yıl dönümü ve sonraki dönem", () => {
+    const p = periodContaining("2026-12-31", 15);
+    expect(p).toEqual({ start: "2026-12-16", end: "2027-01-15" });
+    expect(nextPeriod(p, 15)).toEqual({ start: "2027-01-16", end: "2027-02-15" });
+  });
+
+  it("güncel dönem ve son ekstre; kesim günü bugün iken dönem henüz kapanmamış", () => {
+    expect(cardPeriods("2026-11-05", 29)).toEqual({
+      current: { start: "2026-10-30", end: "2026-11-29" },
+      statement: { start: "2026-09-30", end: "2026-10-29" },
+    });
+    expect(cardPeriods("2026-11-29", 29).current.end).toBe("2026-11-29");
+  });
+
+  it("son ödeme tarihi", () => {
+    expect(dueDate("2026-10-29", { kind: "daysAfter", value: 10 })).toBe("2026-11-08");
+    expect(dueDate("2026-10-29", { kind: "fixedDay", value: 9 })).toBe("2026-11-09");
+    expect(dueDate("2026-10-05", { kind: "fixedDay", value: 20 })).toBe("2026-10-20");
+    expect(dueDate("2026-01-29", { kind: "fixedDay", value: 31 })).toBe("2026-01-31");
+  });
+});
+
+describe("asgari ödeme", () => {
+  it("limite göre %20 / %40; kart bazında oran öncelikli; yukarı yuvarlama", () => {
+    expect(minimumRateBp(49_999_99, null)).toBe(2000);
+    expect(minimumRateBp(50_000_00, null)).toBe(4000);
+    expect(minimumRateBp(60_000_00, 2500)).toBe(2500);
+    expect(minimumPayment(10_000_01, 2000)).toBe(2_000_01);
+    expect(minimumPayment(-5, 2000)).toBe(0);
+  });
+});
+
+describe("taksit planı", () => {
+  it("eşit bölme (kuruş farkı ilk taksitlerde), aylık tarihler, ay sonu", () => {
+    const s = installmentSchedule("2026-01-31", 10_000_00, 3);
+    expect(s.map((x) => x.amountMinor)).toEqual([3_333_34, 3_333_33, 3_333_33]);
+    expect(s.reduce((a, x) => a + x.amountMinor, 0)).toBe(10_000_00);
+    expect(s.map((x) => x.date)).toEqual(["2026-01-31", "2026-02-28", "2026-03-31"]);
+  });
+});
+
+describe("KMH faiz tahmini", () => {
+  it("gün sonu eksi bakiyeler üzerinden", () => {
+    const period = { start: "2026-11-01", end: "2026-11-30" };
+    // 10 gün boyunca -3.000 TL; sonra sıfır.
+    const deltas = new Map([
+      ["2026-11-01", -3_000_00],
+      ["2026-11-11", 3_000_00],
+    ]);
+    const r = estimateOverdraftInterest(period, 0, deltas, 425);
+    // 10 gün × 3.000 TL × %4,25 / 30 = 42,50 TL
+    expect(r.interestMinor).toBe(42_50);
+    expect(r.days).toBe(30);
+    expect(estimateOverdraftInterest(period, 5_000_00, deltas, 425).interestMinor).toBe(0);
+  });
+});

src/shared/card-periods.ts

@@ -0,0 +1,113 @@
+import { splitEvenly } from "./money";
+import { addDays, addMonths, daysInMonth } from "./recurrence";
+
+/**
+ * Kredi kartı ve KMH dönemleri (Bölüm 6.8). Saf fonksiyonlar; tarihler "YYYY-MM-DD" (İstanbul).
+ *
+ * - Kesim günü ayda yoksa (ör. 31) ayın son günü kullanılır.
+ * - Kesim günü DAHİL o gün ve öncesi "Hesap Kesim Dönemi"ne girer (Bölüm 10 varsayılanı).
+ * - Kesim günü bitmeden dönem kapanmış sayılmaz: bugün kesim günüyse işlemler hâlâ "Güncel Dönem"de.
+ */
+
+export type DueRule = { kind: "daysAfter" | "fixedDay"; value: number };
+export type Period = { start: string; end: string };
+
+/** Asgari ödeme varsayılanı (Faz 7 kararı): limit < 50.000 TL → %20, üstü → %40. */
+export const MINIMUM_RATE_THRESHOLD_MINOR = 50_000_00;
+export const MAX_INSTALLMENTS = 36;
+
+/** O ayın kesim tarihi. */
+export function closingDateIn(ym: string, statementDay: number): string {
+  const [y, m] = ym.split("-").map(Number) as [number, number];
+  const day = Math.min(statementDay, daysInMonth(y, m));
+  return `${ym}-${String(day).padStart(2, "0")}`;
+}
+
+/** Tarihi içeren dönemin kesim tarihi (tarih kesim gününe eşitse o gün). */
+export function closingOnOrAfter(ymd: string, statementDay: number): string {
+  const c = closingDateIn(ymd.slice(0, 7), statementDay);
+  return ymd <= c
+    ? c
+    : closingDateIn(addMonths(`${ymd.slice(0, 7)}-01`, 1).slice(0, 7), statementDay);
+}
+
+/** Tarihi içeren dönem: önceki kesimin ertesi günü → bu kesim (dahil). */
+export function periodContaining(ymd: string, statementDay: number): Period {
+  const end = closingOnOrAfter(ymd, statementDay);
+  const prevMonth = addMonths(`${end.slice(0, 7)}-01`, -1).slice(0, 7);
+  return { start: addDays(closingDateIn(prevMonth, statementDay), 1), end };
+}
+
+export function previousPeriod(p: Period, statementDay: number): Period {
+  return periodContaining(addDays(p.start, -1), statementDay);
+}
+
+export function nextPeriod(p: Period, statementDay: number): Period {
+  return periodContaining(addDays(p.end, 1), statementDay);
+}
+
+/** Son ödeme tarihi: kesimden N gün sonra veya kesimden sonraki ilk "ayın N. günü". */
+export function dueDate(closing: string, rule: DueRule): string {
+  if (rule.kind === "daysAfter") return addDays(closing, rule.value);
+  const same = addMonths(closing, 0, rule.value);
+  return same > closing ? same : addMonths(closing, 1, rule.value);
+}
+
+/** Bugüne göre güncel dönem (bugünü içerir) ve son kesilmiş dönem (ekstre). */
+export function cardPeriods(today: string, statementDay: number) {
+  const current = periodContaining(today, statementDay);
+  return { current, statement: previousPeriod(current, statementDay) };
+}
+
+export function minimumRateBp(limitMinor: number, overrideBp: number | null | undefined): number {
+  if (overrideBp !== null && overrideBp !== undefined) return overrideBp;
+  return limitMinor < MINIMUM_RATE_THRESHOLD_MINOR ? 2000 : 4000;
+}
+
+/** Asgari ödeme (kuruş, yukarı yuvarlanır). */
+export function minimumPayment(debtMinor: number, rateBp: number): number {
+  if (debtMinor <= 0) return 0;
+  return Math.ceil((debtMinor * rateBp) / 10_000);
+}
+
+/**
+ * Taksit planı: toplam eşit bölünür (kuruş farkı ilk taksitlere), her taksit alışveriş gününden
+ * itibaren aylık (ayda o gün yoksa son gün) — böylece her taksit ardışık bir döneme düşer.
+ */
+export function installmentSchedule(
+  purchaseYmd: string,
+  totalMinor: number,
+  count: number,
+): { index: number; date: string; amountMinor: number }[] {
+  const day = Number(purchaseYmd.slice(8, 10));
+  return splitEvenly(totalMinor, count).map((amountMinor, index) => ({
+    index,
+    date: addMonths(purchaseYmd, index, day),
+    amountMinor,
+  }));
+}
+
+/**
+ * KMH faizi tahmini: dönemdeki her günün gün sonu eksi bakiyesi × (aylık oran / 30).
+ * `startBalance`: dönem başından önceki bakiye; `deltas`: gün → o günün net hareketi.
+ * Vergiler (KKDF/BSMV) dahil değildir; kullanıcı kesim gününde kesinleştirir.
+ */
+export function estimateOverdraftInterest(
+  period: Period,
+  startBalanceMinor: number,
+  deltas: ReadonlyMap<string, number>,
+  monthlyRateBp: number,
+  until?: string,
+): { interestMinor: number; averageUsedMinor: number; days: number } {
+  let balance = startBalanceMinor;
+  let used = 0;
+  let days = 0;
+  const last = until && until < period.end ? until : period.end;
+  for (let d = period.start; d <= last; d = addDays(d, 1)) {
+    balance += deltas.get(d) ?? 0;
+    used += Math.max(0, -balance);
+    days++;
+  }
+  const interestMinor = Math.round((used * monthlyRateBp) / 10_000 / 30);
+  return { interestMinor, averageUsedMinor: days ? Math.round(used / days) : 0, days };
+}

src/shared/contacts.test.ts

@@ -0,0 +1,25 @@
+import { describe, expect, it } from "vitest";
+import { contactDelta, dueState, isOutgoing } from "./contacts";
+import { addDays } from "./recurrence";
+
+describe("cari", () => {
+  it("yön ve bakiye etkisi", () => {
+    expect(isOutgoing("lend")).toBe(true);
+    expect(isOutgoing("repay")).toBe(true);
+    expect(isOutgoing("borrow")).toBe(false);
+    expect(contactDelta("lend", 100)).toBe(100);
+    expect(contactDelta("repay", 100)).toBe(100);
+    expect(contactDelta("borrow", 100)).toBe(-100);
+    expect(contactDelta("collect", 100)).toBe(-100);
+  });
+
+  it("vade durumu", () => {
+    const today = "2026-11-05";
+    expect(dueState(100, null, 3, today, addDays)).toBe("none");
+    expect(dueState(0, "2026-11-01", 3, today, addDays)).toBe("none");
+    expect(dueState(-100, "2026-11-04", 3, today, addDays)).toBe("overdue");
+    expect(dueState(100, "2026-11-08", 3, today, addDays)).toBe("upcoming");
+    expect(dueState(100, "2026-11-09", 3, today, addDays)).toBe("none");
+    expect(dueState(100, "2026-11-05", 0, today, addDays)).toBe("upcoming");
+  });
+});

src/shared/contacts.ts

@@ -0,0 +1,37 @@
+/** Cari hesaplar (Bölüm 6.4). */
+
+export const CONTACT_RELATIONS = ["family", "friend", "neighbor", "work", "other"] as const;
+export type ContactRelation = (typeof CONTACT_RELATIONS)[number];
+
+/**
+ * Cari hareket türleri. Hesaptan cariye (çıkış): borç verdim, borcumu ödedim.
+ * Cariden hesaba (giriş): borç aldım, tahsilat yaptım. Hepsi transferdir; gelir/gider değildir.
+ */
+export const CONTACT_ENTRY_KINDS = ["lend", "repay", "borrow", "collect"] as const;
+export type ContactEntryKind = (typeof CONTACT_ENTRY_KINDS)[number];
+
+/** Para hesaptan cariye mi gidiyor? */
+export const isOutgoing = (kind: ContactEntryKind) => kind === "lend" || kind === "repay";
+
+/**
+ * Cari bakiyesi (kuruş): + "Bana borçlu", − "Ben borçluyum".
+ * Çıkışlar (verdim/ödedim) bakiyeyi artırır, girişler (aldım/tahsil ettim) azaltır.
+ */
+export function contactDelta(kind: ContactEntryKind, amountMinor: number): number {
+  return isOutgoing(kind) ? amountMinor : -amountMinor;
+}
+
+export type DueState = "none" | "upcoming" | "overdue";
+
+/** Vade uyarısı: bakiye kapanmamışsa, vade geçtiyse "overdue", hatırlatma penceresindeyse "upcoming". */
+export function dueState(
+  balanceMinor: number,
+  dueDate: string | null,
+  reminderDays: number,
+  today: string,
+  addDays: (ymd: string, n: number) => string,
+): DueState {
+  if (!dueDate || balanceMinor === 0) return "none";
+  if (dueDate < today) return "overdue";
+  return addDays(today, reminderDays) >= dueDate ? "upcoming" : "none";
+}

src/shared/recurrence.test.ts

@@ -0,0 +1,95 @@
+import { describe, expect, it } from "vitest";
+import {
+  addDays,
+  addMonths,
+  describeRecurrence,
+  isFinished,
+  listOccurrences,
+  occurrenceDate,
+  type Recurrence,
+} from "./recurrence";
+
+const rule = (over: Partial<Recurrence>): Recurrence => ({
+  frequency: "monthly",
+  interval: 1,
+  monthlyMode: "day",
+  startDate: "2026-01-31",
+  endDate: null,
+  count: null,
+  ...over,
+});
+
+describe("tarih aritmetiği", () => {
+  it("gün ve ay ekleme, ay sonu taşması", () => {
+    expect(addDays("2026-12-30", 3)).toBe("2027-01-02");
+    expect(addDays("2028-03-01", -1)).toBe("2028-02-29");
+    expect(addMonths("2026-01-31", 1)).toBe("2026-02-28");
+    expect(addMonths("2026-01-31", 1, 31)).toBe("2026-02-28");
+    expect(addMonths("2026-11-15", 3)).toBe("2027-02-15");
+    expect(addMonths("2026-04-10", 0, "last")).toBe("2026-04-30");
+  });
+});
+
+describe("occurrenceDate", () => {
+  it("aylık: başlangıç günü korunur, ayda yoksa son gün", () => {
+    const r = rule({});
+    expect([0, 1, 2, 3].map((i) => occurrenceDate(r, i))).toEqual([
+      "2026-01-31",
+      "2026-02-28",
+      "2026-03-31",
+      "2026-04-30",
+    ]);
+  });
+
+  it("aylık son gün modu (artık yıl dahil)", () => {
+    const r = rule({ monthlyMode: "last", startDate: "2028-01-10" });
+    expect([0, 1, 2].map((i) => occurrenceDate(r, i))).toEqual([
+      "2028-01-31",
+      "2028-02-29",
+      "2028-03-31",
+    ]);
+  });
+
+  it("günlük, haftalık (aralıkla), yıllık (29 Şubat)", () => {
+    expect(
+      occurrenceDate(rule({ frequency: "daily", interval: 3, startDate: "2026-11-30" }), 1),
+    ).toBe("2026-12-03");
+    expect(
+      occurrenceDate(rule({ frequency: "weekly", interval: 2, startDate: "2026-11-02" }), 2),
+    ).toBe("2026-11-30");
+    const y = rule({ frequency: "yearly", startDate: "2028-02-29" });
+    expect([1, 4].map((i) => occurrenceDate(y, i))).toEqual(["2029-02-28", "2032-02-29"]);
+  });
+});
+
+describe("listOccurrences", () => {
+  it("tekrar sayısı, bitiş tarihi ve ufuk sınırları", () => {
+    const r = rule({ startDate: "2026-01-05", count: 3 });
+    expect(listOccurrences(r, "2030-01-01").map((o) => o.date)).toEqual([
+      "2026-01-05",
+      "2026-02-05",
+      "2026-03-05",
+    ]);
+    expect(isFinished(r, 3)).toBe(true);
+    const e = rule({ startDate: "2026-01-05", endDate: "2026-02-10" });
+    expect(listOccurrences(e, "2030-01-01")).toHaveLength(2);
+    const h = rule({ startDate: "2026-01-05" });
+    expect(listOccurrences(h, "2026-04-05").map((o) => o.index)).toEqual([0, 1, 2, 3]);
+    expect(listOccurrences(h, "2026-04-05", 2).map((o) => o.index)).toEqual([2, 3]);
+    expect(isFinished(h, 100)).toBe(false);
+  });
+});
+
+describe("describeRecurrence", () => {
+  it("Türkçe açıklama", () => {
+    expect(describeRecurrence(rule({ startDate: "2026-11-03" }))).toBe("Her ay 3. gün");
+    expect(describeRecurrence(rule({ monthlyMode: "last" }))).toBe("Her ayın son günü");
+    expect(
+      describeRecurrence(rule({ frequency: "weekly", interval: 2, startDate: "2026-11-02" })),
+    ).toBe("2 haftada bir Pazartesi");
+    expect(describeRecurrence(rule({ frequency: "yearly", startDate: "2026-03-15" }))).toBe(
+      "Her yıl 15 Mart",
+    );
+    expect(describeRecurrence(rule({ frequency: "daily" }))).toBe("Her gün");
+  });
+});

src/shared/recurrence.ts

@@ -0,0 +1,136 @@
+/**
+ * Düzenli işlem tekrarı (Bölüm 6.7). Saf fonksiyonlar: tarihler "YYYY-MM-DD" (İstanbul günü).
+ * Aylık/yıllık tekrarda gün, başlangıç tarihinin gününden alınır ve ayda yoksa ayın son günü
+ * kullanılır (31 Ocak → 28/29 Şubat → 31 Mart). "Ayın son günü" modu her zaman son günü verir.
+ */
+
+export const FREQUENCIES = ["daily", "weekly", "monthly", "yearly"] as const;
+export type Frequency = (typeof FREQUENCIES)[number];
+export const MONTHLY_MODES = ["day", "last"] as const;
+export type MonthlyMode = (typeof MONTHLY_MODES)[number];
+
+/** Planlı kayıtların üretileceği ufuk (ay). */
+export const HORIZON_MONTHS = 12;
+export const MAX_OCCURRENCES = 600;
+
+export type Recurrence = {
+  frequency: Frequency;
+  /** Her N gün/hafta/ay/yılda bir (1–12). */
+  interval: number;
+  monthlyMode: MonthlyMode;
+  startDate: string;
+  endDate: string | null;
+  /** Toplam tekrar sayısı (ör. 12) — endDate ile birlikte verilirse hangisi önce gelirse. */
+  count: number | null;
+};
+
+const parse = (ymd: string) => {
+  const [y, m, d] = ymd.split("-").map(Number) as [number, number, number];
+  return { y, m, d };
+};
+const fmt = (y: number, m: number, d: number) =>
+  `${String(y).padStart(4, "0")}-${String(m).padStart(2, "0")}-${String(d).padStart(2, "0")}`;
+
+export function daysInMonth(y: number, m: number): number {
+  return new Date(Date.UTC(y, m, 0)).getUTCDate();
+}
+
+export function addDays(ymd: string, days: number): string {
+  const { y, m, d } = parse(ymd);
+  const t = new Date(Date.UTC(y, m - 1, d + days));
+  return fmt(t.getUTCFullYear(), t.getUTCMonth() + 1, t.getUTCDate());
+}
+
+/** Ay ekler; gün ayda yoksa ayın son günü. `day` verilirse o gün hedeflenir. */
+export function addMonths(ymd: string, months: number, day?: number | "last"): string {
+  const { y, m, d } = parse(ymd);
+  const index = y * 12 + (m - 1) + months;
+  const ny = Math.floor(index / 12);
+  const nm = (index % 12) + 1;
+  const last = daysInMonth(ny, nm);
+  const target = day === "last" ? last : Math.min(day ?? d, last);
+  return fmt(ny, nm, target);
+}
+
+/** index. tekrarın tarihi (0 = başlangıç; "son gün" modunda başlangıç ayının son günü). */
+export function occurrenceDate(r: Recurrence, index: number): string {
+  const n = index * r.interval;
+  switch (r.frequency) {
+    case "daily":
+      return addDays(r.startDate, n);
+    case "weekly":
+      return addDays(r.startDate, n * 7);
+    case "monthly":
+      return addMonths(r.startDate, n, r.monthlyMode === "last" ? "last" : parse(r.startDate).d);
+    case "yearly":
+      return addMonths(r.startDate, n * 12, parse(r.startDate).d);
+  }
+}
+
+/** Ufuk tarihine (dahil) kadar, `fromIndex`ten başlayarak tekrarlar. */
+export function listOccurrences(
+  r: Recurrence,
+  until: string,
+  fromIndex = 0,
+): { index: number; date: string }[] {
+  const out: { index: number; date: string }[] = [];
+  for (let i = fromIndex; i < MAX_OCCURRENCES; i++) {
+    if (r.count !== null && i >= r.count) break;
+    const date = occurrenceDate(r, i);
+    if (r.endDate && date > r.endDate) break;
+    if (date > until) break;
+    out.push({ index: i, date });
+  }
+  return out;
+}
+
+/** Seri bitti mi (bir sonraki tekrar yok)? */
+export function isFinished(r: Recurrence, nextIndex: number): boolean {
+  if (r.count !== null && nextIndex >= r.count) return true;
+  return Boolean(r.endDate && occurrenceDate(r, nextIndex) > r.endDate);
+}
+
+export function horizonDate(today: string): string {
+  return addMonths(today, HORIZON_MONTHS);
+}
+
+const MONTHS = [
+  "Ocak",
+  "Şubat",
+  "Mart",
+  "Nisan",
+  "Mayıs",
+  "Haziran",
+  "Temmuz",
+  "Ağustos",
+  "Eylül",
+  "Ekim",
+  "Kasım",
+  "Aralık",
+];
+const WEEKDAYS = ["Pazar", "Pazartesi", "Salı", "Çarşamba", "Perşembe", "Cuma", "Cumartesi"];
+
+/** "Her ay 3. gün", "2 haftada bir Pazartesi", "Her ayın son günü", "Her yıl 15 Mart". */
+export function describeRecurrence(
+  r: Pick<Recurrence, "frequency" | "interval" | "monthlyMode" | "startDate">,
+): string {
+  const { y, m, d } = parse(r.startDate);
+  const every = (unit: string) =>
+    r.interval === 1 ? `Her ${unit}` : `${r.interval} ${unit}da bir`;
+  switch (r.frequency) {
+    case "daily":
+      return r.interval === 1 ? "Her gün" : `${r.interval} günde bir`;
+    case "weekly": {
+      const wd = WEEKDAYS[new Date(Date.UTC(y, m - 1, d)).getUTCDay()]!;
+      return r.interval === 1 ? `Her hafta ${wd}` : `${r.interval} haftada bir ${wd}`;
+    }
+    case "monthly":
+      if (r.monthlyMode === "last")
+        return r.interval === 1 ? "Her ayın son günü" : `${r.interval} ayda bir, ayın son günü`;
+      return r.interval === 1 ? `Her ay ${d}. gün` : `${every("ay")}, ${d}. gün`;
+    case "yearly":
+      return r.interval === 1
+        ? `Her yıl ${d} ${MONTHS[m - 1]}`
+        : `${r.interval} yılda bir, ${d} ${MONTHS[m - 1]}`;
+  }
+}

src/shared/schemas/account.ts

@@ -68,6 +68,8 @@ export const accountFormSchema = z
     cardDueKind: z.enum(DUE_RULE_KINDS),
     cardDueValue: day(31),
     cardPaymentAccountId: objectIdOrEmpty,
+    /** Boş → varsayılan kural (limite göre %20 / %40). */
+    cardMinimumRate: z.string().default("").pipe(percentToBp),
   })
   .superRefine((a, ctx) => {
     if (a.type === "meal_card" && !a.mealCardProvider) {

src/shared/schemas/contact.ts

@@ -0,0 +1,58 @@
+import { z } from "zod";
+import { tr } from "../../i18n/tr";
+import { CONTACT_ENTRY_KINDS, CONTACT_RELATIONS } from "../contacts";
+import { parseMoney } from "../money";
+import { moneyInputSchema } from "./account";
+
+const v = tr.validation;
+const ymd = z.string().regex(/^\d{4}-\d{2}-\d{2}$/, v.date);
+const optionalYmd = z.preprocess((x) => (x === "" || x === undefined ? null : x), ymd.nullable());
+const reminderDays = z.coerce.number().int().min(0).max(60).default(3);
+
+/** Cari kişi formu (web + mobil). */
+export const contactFormSchema = z.object({
+  name: z.string().trim().min(1, tr.common.required).max(80, v.nameMax),
+  relation: z.enum(CONTACT_RELATIONS).default("other"),
+  phone: z
+    .string()
+    .trim()
+    .max(30)
+    .regex(/^[0-9+()\s-]*$/, v.phone)
+    .default(""),
+  note: z.string().trim().max(500).default(""),
+  /** + bana borçlu, − ben borçluyum. */
+  openingBalance: z.string().default("").pipe(moneyInputSchema),
+  openingDate: ymd,
+  isPrivate: z.boolean().default(false),
+  dueDate: optionalYmd,
+  reminderDays,
+});
+export type ContactFormInput = z.input<typeof contactFormSchema>;
+export type ContactForm = z.output<typeof contactFormSchema>;
+
+/** Cari hareketi: hesaptan cariye veya cariden hesaba transfer. */
+export const contactEntrySchema = z.object({
+  kind: z.enum(CONTACT_ENTRY_KINDS),
+  accountId: z.string().regex(/^[a-f0-9]{24}$/i, tr.transactions.validation.selectAccount),
+  amount: z
+    .string()
+    .trim()
+    .transform((s, ctx) => {
+      const minor = parseMoney(s);
+      if (minor === null || minor <= 0) {
+        ctx.addIssue({
+          code: "custom",
+          message: minor === null ? v.money : tr.transactions.validation.amountPositive,
+        });
+        return z.NEVER;
+      }
+      return minor;
+    }),
+  date: ymd,
+  description: z.string().trim().max(500).default(""),
+  /** Verilirse carinin vadesi güncellenir (boş string → vade kaldırılır). */
+  dueDate: optionalYmd.optional(),
+  reminderDays: reminderDays.optional(),
+});
+export type ContactEntryInput = z.input<typeof contactEntrySchema>;
+export type ContactEntry = z.output<typeof contactEntrySchema>;

src/shared/schemas/in-kind.ts

@@ -0,0 +1,116 @@
+import { z } from "zod";
+import { tr } from "../../i18n/tr";
+import { ASSET_KEYS } from "../assets";
+import { parseMoney } from "../money";
+import { parseQuantity } from "../quantity";
+
+const v = tr.validation;
+const k = tr.inKind.validation;
+const ymd = z.string().regex(/^\d{4}-\d{2}-\d{2}$/, v.date);
+const objectId = z.string().regex(/^[a-f0-9]{24}$/i, tr.transactions.validation.selectAccount);
+const emptyToNull = (x: unknown) => (x === "" || x === undefined ? null : x);
+
+/** Boş → null; dolu → pozitif kuruş. */
+const optionalMoney = z.preprocess(
+  emptyToNull,
+  z
+    .string()
+    .trim()
+    .transform((s, ctx) => {
+      const minor = parseMoney(s);
+      if (minor === null || minor < 0) {
+        ctx.addIssue({ code: "custom", message: v.money });
+        return z.NEVER;
+      }
+      return minor;
+    })
+    .nullable(),
+);
+
+const quantity = z
+  .string()
+  .trim()
+  .transform((s, ctx) => {
+    const q = parseQuantity(s);
+    if (q === null || q <= 0) {
+      ctx.addIssue({ code: "custom", message: k.quantity });
+      return z.NEVER;
+    }
+    return q;
+  });
+
+/** Fiyat girişi: satış boşsa alışla aynı (tek fiyat girilirse ikisine de yazılır — Faz 0 kararı). */
+export const assetPriceFormSchema = z
+  .object({
+    assetKey: z.enum(ASSET_KEYS),
+    date: ymd,
+    buy: optionalMoney,
+    sell: optionalMoney,
+  })
+  .superRefine((x, ctx) => {
+    if (x.buy === null && x.sell === null)
+      ctx.addIssue({ code: "custom", path: ["buy"], message: k.price });
+  })
+  .transform((x) => ({
+    assetKey: x.assetKey,
+    date: x.date,
+    buyMinor: (x.buy ?? x.sell)!,
+    sellMinor: (x.sell ?? x.buy)!,
+  }));
+export type AssetPriceForm = z.output<typeof assetPriceFormSchema>;
+
+/** Aynî borç/alacak kaydı. Birim fiyat boşsa fiyat tablosundan (o tarihteki son fiyat) alınır. */
+export const inKindFormSchema = z.object({
+  direction: z.enum(["debt", "receivable"]),
+  assetKey: z.enum(ASSET_KEYS),
+  quantity,
+  date: ymd,
+  unitPrice: optionalMoney,
+  note: z.string().trim().max(500).default(""),
+  savingsAccountId: z.preprocess(emptyToNull, objectId.nullable()),
+  monthlyPlan: optionalMoney,
+});
+export type InKindForm = z.output<typeof inKindFormSchema>;
+
+/** Birikim katkısı: hesaptan borcun birikim hesabına transfer. */
+export const contributionSchema = z.object({
+  fromAccountId: objectId,
+  amount: z
+    .string()
+    .trim()
+    .transform((s, ctx) => {
+      const minor = parseMoney(s);
+      if (minor === null || minor <= 0) {
+        ctx.addIssue({ code: "custom", message: tr.transactions.validation.amountPositive });
+        return z.NEVER;
+      }
+      return minor;
+    }),
+  date: ymd,
+});
+export type ContributionForm = z.output<typeof contributionSchema>;
+
+/**
+ * "Ödeme gerçekleşti". Aynı varlıkla: miktar zorunlu, TL (varlığı almak için harcanan) isteğe
+ * bağlı. TL karşılığıyla: tutar ve hesap zorunlu; miktar boşsa güncel fiyattan hesaplanır.
+ */
+export const paymentFormSchema = z
+  .object({
+    method: z.enum(["asset", "cash"]),
+    date: ymd,
+    quantity: z.preprocess(emptyToNull, quantity.nullable()),
+    amount: optionalMoney,
+    accountId: z.preprocess(emptyToNull, objectId.nullable()),
+    note: z.string().trim().max(300).default(""),
+  })
+  .superRefine((x, ctx) => {
+    if (x.method === "asset" && x.quantity === null)
+      ctx.addIssue({ code: "custom", path: ["quantity"], message: k.quantity });
+    if (x.method === "cash") {
+      if (!x.amount) ctx.addIssue({ code: "custom", path: ["amount"], message: k.amount });
+      if (!x.accountId) ctx.addIssue({ code: "custom", path: ["accountId"], message: k.account });
+    }
+    if (x.amount && !x.accountId)
+      ctx.addIssue({ code: "custom", path: ["accountId"], message: k.account });
+  });
+export type PaymentForm = z.output<typeof paymentFormSchema>;

src/shared/schemas/recurring.test.ts

@@ -0,0 +1,50 @@
+import { describe, expect, it } from "vitest";
+import { recurringRuleFormSchema } from "./recurring";
+
+/** Formun gönderdiği biçim: tüm alanlar string, seçilmeyenler boş. */
+const formValues = {
+  type: "expense",
+  amount: "1.250,00",
+  isEstimate: false,
+  accountId: "a".repeat(24),
+  toAccountId: "",
+  categoryId: "b".repeat(24),
+  payee: "",
+  description: "",
+  tags: "",
+  startDate: "2026-11-05",
+  frequency: "monthly",
+  interval: "1",
+  monthlyMode: "day",
+  endKind: "never",
+  count: "",
+  endDate: "",
+};
+
+describe("recurringRuleFormSchema", () => {
+  it("boş isteğe bağlı alanlarla geçerli; bitiş türüne göre count/endDate ayıklanır", () => {
+    const x = recurringRuleFormSchema.parse(formValues);
+    expect(x).toMatchObject({ amount: 125000, interval: 1, count: null, endDate: null });
+    const c = recurringRuleFormSchema.parse({ ...formValues, endKind: "count", count: "12" });
+    expect(c.count).toBe(12);
+    const d = recurringRuleFormSchema.parse({
+      ...formValues,
+      endKind: "date",
+      endDate: "2027-01-01",
+      count: "5",
+    });
+    expect(d).toMatchObject({ endDate: "2027-01-01", count: null });
+  });
+
+  it("seçilen bitiş türünün değeri zorunlu", () => {
+    expect(recurringRuleFormSchema.safeParse({ ...formValues, endKind: "count" }).success).toBe(
+      false,
+    );
+    expect(recurringRuleFormSchema.safeParse({ ...formValues, endKind: "date" }).success).toBe(
+      false,
+    );
+    expect(recurringRuleFormSchema.safeParse({ ...formValues, interval: "13" }).success).toBe(
+      false,
+    );
+  });
+});

src/shared/schemas/recurring.ts

@@ -0,0 +1,94 @@
+import { z } from "zod";
+import { tr } from "../../i18n/tr";
+import { parseMoney } from "../money";
+import { FREQUENCIES, MONTHLY_MODES } from "../recurrence";
+import { normalizeTags, TRANSACTION_TYPES } from "../transactions";
+
+const v = tr.validation;
+const t = tr.transactions.validation;
+const r = tr.recurring.validation;
+const ymd = z.string().regex(/^\d{4}-\d{2}-\d{2}$/, v.date);
+const optionalId = z
+  .string()
+  .regex(/^([a-f0-9]{24})?$/i)
+  .nullable()
+  .optional()
+  .transform((s) => (s ? s : null));
+const positiveMoney = z
+  .string()
+  .trim()
+  .transform((s, ctx) => {
+    const minor = parseMoney(s);
+    if (minor === null || minor <= 0) {
+      ctx.addIssue({ code: "custom", message: minor === null ? v.money : t.amountPositive });
+      return z.NEVER;
+    }
+    return minor;
+  });
+
+/** Formdan gelen boş alanlar (""), seçilmemiş isteğe bağlı değer sayılır. */
+const emptyToNull = (v: unknown) => (v === "" || v === undefined ? null : v);
+
+export const END_KINDS = ["never", "count", "date"] as const;
+
+/** Düzenli işlem kuralı formu (web + mobil). Bölme yok; onaylarken tutar düzeltilebilir. */
+export const recurringRuleFormSchema = z
+  .object({
+    type: z.enum(TRANSACTION_TYPES),
+    amount: positiveMoney,
+    isEstimate: z.boolean().default(false),
+    accountId: z.string().regex(/^[a-f0-9]{24}$/i, t.selectAccount),
+    toAccountId: optionalId,
+    categoryId: optionalId,
+    payee: z.string().trim().max(80).default(""),
+    description: z.string().trim().max(500).default(""),
+    tags: z
+      .union([z.string(), z.array(z.string())])
+      .default("")
+      .transform((x) => normalizeTags(x)),
+    startDate: ymd,
+    frequency: z.enum(FREQUENCIES),
+    interval: z.coerce.number().int().min(1, r.interval).max(12, r.interval).default(1),
+    monthlyMode: z.enum(MONTHLY_MODES).default("day"),
+    endKind: z.enum(END_KINDS).default("never"),
+    count: z.preprocess(
+      emptyToNull,
+      z.coerce.number().int().min(1, r.count).max(600, r.count).nullable().optional(),
+    ),
+    endDate: z.preprocess(emptyToNull, ymd.nullable().optional()),
+  })
+  .superRefine((x, ctx) => {
+    if (x.type === "transfer") {
+      if (!x.toAccountId)
+        ctx.addIssue({ code: "custom", path: ["toAccountId"], message: t.selectToAccount });
+      else if (x.toAccountId === x.accountId)
+        ctx.addIssue({ code: "custom", path: ["toAccountId"], message: t.sameAccount });
+    } else if (!x.categoryId) {
+      ctx.addIssue({ code: "custom", path: ["categoryId"], message: t.selectCategory });
+    }
+    if (x.endKind === "count" && !x.count)
+      ctx.addIssue({ code: "custom", path: ["count"], message: r.count });
+    if (x.endKind === "date") {
+      if (!x.endDate) ctx.addIssue({ code: "custom", path: ["endDate"], message: v.date });
+      else if (x.endDate < x.startDate)
+        ctx.addIssue({ code: "custom", path: ["endDate"], message: r.endBeforeStart });
+    }
+  })
+  .transform((x) => ({
+    ...x,
+    count: x.endKind === "count" ? (x.count ?? null) : null,
+    endDate: x.endKind === "date" ? (x.endDate ?? null) : null,
+  }));
+
+export type RecurringRuleFormInput = z.input<typeof recurringRuleFormSchema>;
+export type RecurringRuleForm = z.output<typeof recurringRuleFormSchema>;
+
+/** Planlı kaydı onaylama: tutar ve tarih düzeltilebilir. */
+export const confirmOccurrenceSchema = z.object({
+  amount: positiveMoney,
+  date: ymd,
+});
+export type ConfirmOccurrenceForm = z.output<typeof confirmOccurrenceSchema>;
+
+export const SERIES_SCOPES = ["one", "following", "all"] as const;
+export type SeriesScope = (typeof SERIES_SCOPES)[number];

src/shared/schemas/transaction.ts

@@ -2,6 +2,7 @@ import { z } from "zod";
 import { tr } from "../../i18n/tr";
 import { parseMoney } from "../money";
 import { MAX_ATTACHMENTS_PER_RECORD } from "../attachments";
+import { MAX_INSTALLMENTS } from "../card-periods";
 import { MAX_SPLITS, normalizeTags, TRANSACTION_TYPES } from "../transactions";
 
 const v = tr.validation;
@@ -53,6 +54,14 @@ export const transactionFormSchema = z
       .union([z.string(), z.array(z.string())])
       .default("")
       .transform((x) => normalizeTags(x)),
+    /**
+     * Taksit sayısı (yalnızca kredi kartı gideri, oluştururken). 1 = peşin. Her taksit ayrı işlem
+     * olur; vadesi gelmeyenler planlıdır ve kendi döneminde otomatik gerçekleşir.
+     */
+    installments: z.preprocess(
+      (v) => (v === "" || v === null || v === undefined ? 1 : v),
+      z.coerce.number().int().min(1).max(MAX_INSTALLMENTS, t.installmentsMax),
+    ),
     /** Bağlı ek dosyalar (sıralı). Yeni ekler önce /api/files ile yüklenir. */
     attachmentIds: z
       .array(z.string().regex(/^[a-f0-9]{24}$/i))
@@ -67,6 +76,9 @@ export const transactionFormSchema = z
         ctx.addIssue({ code: "custom", path: ["toAccountId"], message: t.sameAccount });
       return;
     }
+    if (x.installments > 1 && (x.type !== "expense" || x.splits.length > 0)) {
+      ctx.addIssue({ code: "custom", path: ["installments"], message: t.installmentsExpenseOnly });
+    }
     if (x.splits.length === 1) {
       ctx.addIssue({ code: "custom", path: ["splits"], message: t.splitMin });
     } else if (x.splits.length >= 2) {

src/shared/transactions.ts

@@ -13,7 +13,8 @@ export type EffectInput = {
   type: TransactionType;
   status: TransactionStatus;
   amountMinor: number;
-  accountId: string;
+  /** Cariden girişte (borç alma, tahsilat) boştur. */
+  accountId: string | null;
   toAccountId?: string | null;
   deleted?: boolean;
 };
@@ -27,16 +28,17 @@ export function transactionEffects(t: EffectInput): { accountId: string; deltaMi
   if (t.status !== "posted" || t.deleted) return [];
   switch (t.type) {
     case "income":
-      return [{ accountId: t.accountId, deltaMinor: t.amountMinor }];
+      return t.accountId ? [{ accountId: t.accountId, deltaMinor: t.amountMinor }] : [];
     case "expense":
-      return [{ accountId: t.accountId, deltaMinor: -t.amountMinor }];
-    case "transfer":
-      return t.toAccountId
-        ? [
-            { accountId: t.accountId, deltaMinor: -t.amountMinor },
-            { accountId: t.toAccountId, deltaMinor: t.amountMinor },
-          ]
-        : [];
+      return t.accountId ? [{ accountId: t.accountId, deltaMinor: -t.amountMinor }] : [];
+    case "transfer": {
+      // Hesap ↔ hesap; cari transferinde bir taraf boştur (cariye çıkış: toAccountId yok,
+      // cariden giriş: accountId yok).
+      const out: { accountId: string; deltaMinor: number }[] = [];
+      if (t.accountId) out.push({ accountId: t.accountId, deltaMinor: -t.amountMinor });
+      if (t.toAccountId) out.push({ accountId: t.toAccountId, deltaMinor: t.amountMinor });
+      return out;
+    }
   }
 }