feat(plan): devreden borç planın parçası, borçlu ayda %45 kuralı

- Devreden borç: elle girilen ya da dönem başından önceki son ay sonu ölçümü
- Borçlu ay: harcanabilir = gelir × oran (vars. %45), kalan borca, artan birikime
- Birikim hedefi ve Kakeibo devri borçlu ayda uygulanmaz; kapanış devir üretmez
- Plan düzenleme ve sihirbazda devreden borç alanı + oran; canlı önizleme
- Plan'daki eski borç bölümü ve taksit önerisi kaldırıldı (veri yerinde)

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
This commit is contained in:
2026-11-14 06:27:12 +03:00
parent d3e012f50b
commit f0d285a9ba
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//! Devreden borç planın parçası (docs/KAKEIBO_PANEL_ISTEKLERI.md A): %45 kuralı, kaynak
//! (ölçüm / elle), borç bitince normal düzen, borçlu ayda Kakeibo devri yok.
mod common;
use axum::http::StatusCode;
use common::{Session, TestApp};
use serde_json::{Value, json};
async fn december(app: &TestApp, s: &Session) -> String {
let (_, p) = app
.post(
"/periods",
s,
json!({ "start_date": "2026-12-01", "end_date": "2027-01-01", "savings_goal": 500_000 }),
)
.await;
let id = p["id"].as_str().unwrap().to_string();
// A5 kontrol: gelir 79.509,64 · sabit 23.006,90
for (kind, name, amount) in [
("income", "Maaş", 7_950_964),
("expense", "Kira", 2_000_000),
("expense", "Taksitler", 300_690),
] {
app.post(
&format!("/periods/{id}/plan-items"),
s,
json!({ "kind": kind, "name": name, "amount": amount }),
)
.await;
}
id
}
async fn summary(app: &TestApp, s: &Session, pid: &str) -> Value {
let (st, b) = app.get(&format!("/periods/{pid}/summary"), s).await;
assert_eq!(st, StatusCode::OK, "{b}");
b
}
#[tokio::test]
async fn debt_month_uses_45_percent_rule() {
let app = TestApp::new().await;
let s = app.register("Sahip", None).await;
let pid = december(&app, &s).await;
// Borç yokken normal Kakeibo: gelir − sabit − birikim
let x = summary(&app, &s, &pid).await;
assert_eq!(x["debt_mode"], false);
assert_eq!(x["carried_debt_source"], Value::Null);
assert_eq!(x["spendable"], 7_950_964 - 2_300_690 - 500_000);
// Kasım sonu ölçümü (toplam 57.100) → otomatik devreden borç
app.post(
"/debt/snapshots",
&s,
json!({ "date": "2026-11-30", "kmh": 3_000_000, "card_balance": 2_710_000, "note": "maaş sonrası" }),
)
.await;
let x = summary(&app, &s, &pid).await;
assert_eq!(x["debt_mode"], true);
assert_eq!(
(
x["carried_debt"].as_i64(),
x["carried_debt_source"].as_str()
),
(Some(5_710_000), Some("auto"))
);
assert_eq!(x["carried_debt_date"], "2026-11-30");
assert_eq!(x["spendable_rate_bp"], 4500);
assert_eq!(
x["spendable"], 3_577_934,
"35.779,34 — birikim hedefi girmez"
);
assert_eq!(x["debt_payment"], 2_072_340, "20.723,40");
assert_eq!(x["closing_debt_target"], 3_637_660, "36.376,60");
assert_eq!(x["debt_fixed_too_high"], false);
assert_eq!(
x["unallocated"], 3_577_934,
"bütçe dağıtımı yeni harcanabilire göre"
);
// Elle düzeltme → manual; 10.000 → borca 10.000, birikime 10.723,40
let (st, _) = app
.put(
&format!("/periods/{pid}/opening-debt"),
&s,
json!({ "amount": 1_000_000 }),
)
.await;
assert_eq!(st, StatusCode::NO_CONTENT);
let x = summary(&app, &s, &pid).await;
assert_eq!(x["carried_debt_source"], "manual");
assert_eq!(
x["carried_debt_auto"], 5_710_000,
"ölçüm değeri elle düzeltmede de görünür"
);
assert_eq!(x["carried_debt_date"], "2026-11-30");
assert_eq!(
(x["debt_payment"].as_i64(), x["debt_to_savings"].as_i64()),
(Some(1_000_000), Some(1_072_340))
);
// Elle 0 → borç bitti, normal düzen (A6)
app.put(
&format!("/periods/{pid}/opening-debt"),
&s,
json!({ "amount": 0 }),
)
.await;
let x = summary(&app, &s, &pid).await;
assert_eq!(x["debt_mode"], false);
assert_eq!(x["spendable"], 7_950_964 - 2_300_690 - 500_000);
// Oran ayarlanabilir (%10–%90)
app.put(
&format!("/periods/{pid}/opening-debt"),
&s,
json!({ "amount": null }),
)
.await;
let (_, p) = app.get(&format!("/periods/{pid}"), &s).await;
let (st, p2) = app
.patch(
&format!("/periods/{pid}"),
&s,
json!({ "spendable_rate_bp": 5000, "version": p["version"] }),
)
.await;
assert_eq!(st, StatusCode::OK, "{p2}");
assert_eq!(p2["spendable_rate_bp"], 5000);
assert_eq!(summary(&app, &s, &pid).await["spendable"], 3_975_482);
let (st, _) = app
.patch(
&format!("/periods/{pid}"),
&s,
json!({ "spendable_rate_bp": 9500 }),
)
.await;
assert_eq!(st, StatusCode::BAD_REQUEST);
app.cleanup().await;
}
#[tokio::test]
async fn net_positive_measurement_means_no_debt_and_fixed_too_high_warns() {
let app = TestApp::new().await;
let s = app.register("Sahip", None).await;
let pid = december(&app, &s).await;
// Artı bakiye borçtan büyük → borç 0 → normal düzen
app.post(
"/debt/snapshots",
&s,
json!({ "date": "2026-11-30", "card_balance": 100_000, "positive_balance": 300_000 }),
)
.await;
let x = summary(&app, &s, &pid).await;
assert_eq!(
(x["debt_mode"].as_bool(), x["carried_debt"].as_i64()),
(Some(false), Some(0))
);
// Sabitler çok yüksek: harcanabilir = gelir − sabit, borca 0, uyarı
app.put(
&format!("/periods/{pid}/opening-debt"),
&s,
json!({ "amount": 5_710_000 }),
)
.await;
app.post(
&format!("/periods/{pid}/plan-items"),
&s,
json!({ "kind": "expense", "name": "Büyük ödeme", "amount": 3_000_000 }),
)
.await;
let x = summary(&app, &s, &pid).await;
assert_eq!(x["debt_fixed_too_high"], true);
assert_eq!(x["debt_payment"], 0);
assert_eq!(x["spendable"], 7_950_964 - 5_300_690);
assert_eq!(x["closing_debt_target"], 5_710_000);
app.cleanup().await;
}
#[tokio::test]
async fn closing_a_debt_month_creates_no_kakeibo_carryover() {
let app = TestApp::new().await;
let s = app.register("Sahip", None).await;
let (_, p) = app
.post(
"/periods",
&s,
json!({ "start_date": "2026-11-01", "end_date": "2026-12-01", "savings_goal": 0 }),
)
.await;
let nov = p["id"].as_str().unwrap().to_string();
app.post(
&format!("/periods/{nov}/plan-items"),
&s,
json!({ "kind": "income", "name": "Maaş", "amount": 1_000_000 }),
)
.await;
app.put(
&format!("/periods/{nov}/opening-debt"),
&s,
json!({ "amount": 5_000_000 }),
)
.await;
let (st, c) = app
.post(
&format!("/periods/{nov}/close"),
&s,
json!({ "to_savings": 200_000 }),
)
.await;
assert_eq!(st, StatusCode::OK, "{c}");
assert_eq!(c["to_savings"], 0, "borçlu ayda birikim aktarılmaz");
assert!(c["carryover"].is_null(), "Kakeibo devri yok: {c}");
let (_, p) = app
.post(
"/periods",
&s,
json!({ "start_date": "2026-12-01", "end_date": "2027-01-01" }),
)
.await;
let x = summary(&app, &s, p["id"].as_str().unwrap()).await;
assert_eq!(
(
x["carryover_debt"].as_i64(),
x["carryover_surplus"].as_i64()
),
(Some(0), Some(0))
);
app.cleanup().await;
}