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>

frontend/src/features/debt/period-debt.tsx

@@ -1,283 +0,0 @@
-import { useState } from 'react'
-import { CircleCheck, Landmark, Loader2, Pencil, Plus } from 'lucide-react'
-import { Link } from 'react-router'
-import { toast } from 'sonner'
-import { FormError } from '@/components/form-field'
-import { paths } from '@/components/layout/nav-items'
-import { MoneyInput } from '@/components/money-input'
-import { Button } from '@/components/ui/button'
-import { findInstallmentItem, usePeriodDebt, useSetOpeningDebt } from '@/lib/debt'
-import { formatDate, formatMoney, formatNumber, parseMoney } from '@/lib/format'
-import { useCreatePlanItem } from '@/lib/periods'
-import { t } from '@/lib/strings'
-import { cn } from '@/lib/utils'
-import type { Period } from '@/types/Period'
-import type { PeriodDebt } from '@/types/PeriodDebt'
-import type { PlanItem } from '@/types/PlanItem'
-
-const s = t.debt.period
-
-/**
- * Aylık plan: bu ayın banka borcu (docs/BORC_TAKIBI.md §3). Ay başı borç son ölçümden
- * (elle düzeltilebilir), devreden, borç ödemesi (= birikim hedefi), taksit yükü, hedef ay sonu.
- * Borç takibinde hiç veri yoksa görünmez.
- */
-export function PeriodDebtSection({
-  period,
-  items,
-  writable,
-}: {
-  period: Period
-  items: PlanItem[]
-  writable: boolean
-}) {
-  const q = usePeriodDebt(period.id)
-  const d = q.data
-  if (!d || (d.opening_total === null && d.installment_load === 0)) return null
-
-  return (
-    <section
-      aria-labelledby="period-debt-title"
-      className="min-w-0 rounded-2xl border bg-card p-4 sm:p-5"
-    >
-      <div className="mb-1 flex flex-wrap items-center justify-between gap-2">
-        <h3 id="period-debt-title" className="flex items-center gap-1.5 font-semibold">
-          <Landmark className="size-4" aria-hidden />
-          {s.title}
-        </h3>
-        <Link
-          to={paths.debt}
-          className="inline-flex min-h-11 items-center px-2 text-sm text-primary"
-        >
-          {s.toDebt}
-        </Link>
-      </div>
-      <p className="mb-3 text-sm text-muted-foreground">{s.hint}</p>
-
-      <dl className="grid grid-cols-2 gap-2 sm:grid-cols-3 lg:grid-cols-5">
-        <Opening period={period} d={d} writable={writable} />
-        <Tile label={s.carried} hint={s.carriedHint} amount={d.carried} />
-        <Tile label={s.payment} sign="−" amount={d.payment} />
-        <Tile label={s.load} sign="−" amount={d.installment_load} />
-        <Target d={d} />
-      </dl>
-
-      <Progress d={d} />
-      {writable && (
-        <InstallmentsSuggestion period={period} items={items} load={d.installment_load} />
-      )}
-    </section>
-  )
-}
-
-function Tile({
-  label,
-  amount,
-  sign,
-  hint,
-}: {
-  label: string
-  amount: number | null
-  sign?: string
-  hint?: string
-}) {
-  return (
-    <div className="rounded-xl border p-3">
-      <dt className="text-xs text-muted-foreground">
-        {sign && <span aria-hidden>{sign} </span>}
-        {label}
-      </dt>
-      <dd className="money mt-1 font-semibold">{amount === null ? '—' : formatMoney(amount)}</dd>
-      {hint && <p className="mt-0.5 text-[11px] text-muted-foreground">{hint}</p>}
-    </div>
-  )
-}
-
-/** Ay başı borç: kaynağı yazılı; düzeltilebilir (dönem açıkken) */
-function Opening({ period, d, writable }: { period: Period; d: PeriodDebt; writable: boolean }) {
-  const set = useSetOpeningDebt(period.id)
-  const [editing, setEditing] = useState(false)
-  const [value, setValue] = useState('')
-  const [error, setError] = useState<string>()
-  const source =
-    d.opening_source === 'manual'
-      ? s.manual
-      : d.opening_date
-        ? s.fromSnapshot(formatDate(d.opening_date))
-        : s.noOpening
-
-  async function save(amount: number | null) {
-    setError(undefined)
-    try {
-      await set.mutateAsync(amount)
-      setEditing(false)
-      toast.success(s.openingSaved)
-    } catch (e) {
-      setError(e instanceof Error ? e.message : String(e))
-    }
-  }
-
-  return (
-    <div
-      className={cn('rounded-xl border p-3', editing && 'col-span-2 sm:col-span-3 lg:col-span-5')}
-    >
-      <dt className="flex items-center justify-between gap-1 text-xs text-muted-foreground">
-        {s.opening}
-        {writable && !editing && (
-          <button
-            type="button"
-            aria-label={s.editOpening}
-            className="-m-2 grid size-11 place-items-center rounded-lg hover:bg-muted"
-            onClick={() => {
-              setValue(d.opening_total === null ? '' : formatNumber(d.opening_total / 100))
-              setEditing(true)
-            }}
-          >
-            <Pencil className="size-3.5" aria-hidden />
-          </button>
-        )}
-      </dt>
-      {editing ? (
-        <div className="mt-2 space-y-2">
-          <MoneyInput aria-label={s.opening} value={value} onChange={setValue} autoFocus />
-          <FormError message={error} />
-          <div className="flex flex-wrap gap-2">
-            <Button
-              size="sm"
-              disabled={set.isPending}
-              onClick={() => {
-                const k = parseMoney(value)
-                if (k === null || k < 0) return setError('Geçerli bir tutar yazın')
-                void save(k)
-              }}
-            >
-              {set.isPending && <Loader2 className="animate-spin" aria-hidden />}
-              {t.debt.save}
-            </Button>
-            {d.opening_source === 'manual' && (
-              <Button size="sm" variant="outline" onClick={() => void save(null)}>
-                {s.resetOpening}
-              </Button>
-            )}
-            <Button size="sm" variant="ghost" onClick={() => setEditing(false)}>
-              {t.debt.cancel}
-            </Button>
-          </div>
-        </div>
-      ) : (
-        <>
-          <dd className="money mt-1 font-semibold">
-            {d.opening_total === null ? '—' : formatMoney(d.opening_total)}
-          </dd>
-          <p className="mt-0.5 text-[11px] text-muted-foreground">{source}</p>
-        </>
-      )}
-    </div>
-  )
-}
-
-/** Hedef ay sonu borç (+ yol haritasıyla karşılaştırma) */
-function Target({ d }: { d: PeriodDebt }) {
-  const diff =
-    d.closing_target !== null && d.roadmap_target !== null
-      ? d.closing_target - d.roadmap_target
-      : null
-  return (
-    <div className="col-span-2 rounded-xl border-2 border-primary/40 bg-primary/5 p-3 sm:col-span-1">
-      <dt className="text-xs font-medium text-muted-foreground">
-        <span aria-hidden>= </span>
-        {s.target}
-      </dt>
-      <dd className="money mt-1 text-lg font-bold">
-        {d.closing_target === null ? '—' : formatMoney(d.closing_target)}
-      </dd>
-      {d.roadmap_target !== null && (
-        <p className="mt-0.5 text-[11px] text-muted-foreground">
-          {s.roadmap(formatMoney(d.roadmap_target))}
-          {diff !== null && diff !== 0 && (
-            <span className={diff > 0 ? 'text-expense' : 'text-income'}>
-              {' · '}
-              {diff > 0
-                ? s.vsRoadmapAbove(formatMoney(diff))
-                : s.vsRoadmapBelow(formatMoney(-diff))}
-            </span>
-          )}
-        </p>
-      )}
-    </div>
-  )
-}
-
-/** Aylık başarı: ay başı − son ölçüm ≥ borç ödemesi + taksit */
-function Progress({ d }: { d: PeriodDebt }) {
-  if (d.opening_total === null || d.latest_total === null || !d.latest_date) return null
-  const down = d.opening_total - d.latest_total
-  const needed = d.payment + d.installment_load
-  const ok = down >= needed && needed > 0
-  const ratio = needed > 0 ? Math.min(Math.max(down / needed, 0), 1) : 0
-  return (
-    <div className="mt-3 space-y-1.5 rounded-xl bg-muted p-3 text-sm">
-      <p className="text-xs text-muted-foreground">{s.progressTitle(formatDate(d.latest_date))}</p>
-      <p className={cn('font-medium', down < 0 ? 'text-expense' : ok ? 'text-income' : '')}>
-        {ok && <CircleCheck className="mr-1 inline size-4" aria-hidden />}
-        {down >= 0 ? s.paidDown(formatMoney(down)) : s.grew(formatMoney(-down))}
-        <span className="font-normal text-muted-foreground">
-          {' '}
-          · {s.needed(formatMoney(needed))}
-        </span>
-      </p>
-      <div
-        className="h-2 overflow-hidden rounded-full bg-background"
-        role="progressbar"
-        aria-label={s.needed(formatMoney(needed))}
-        aria-valuemin={0}
-        aria-valuemax={100}
-        aria-valuenow={Math.round(ratio * 100)}
-      >
-        <div className="h-full rounded-full bg-income" style={{ width: `${ratio * 100}%` }} />
-      </div>
-    </div>
-  )
-}
-
-/** Taksit yükü planda "Taksitler" sabit gideri olarak yoksa: tek tıkla ekle */
-function InstallmentsSuggestion({
-  period,
-  items,
-  load,
-}: {
-  period: Period
-  items: PlanItem[]
-  load: number
-}) {
-  const create = useCreatePlanItem(period.id)
-  if (load <= 0) return null
-  const existing = findInstallmentItem(items)
-  if (existing) {
-    if (existing.amount === load) return null
-    return (
-      <p className="mt-3 text-sm text-warning">
-        {s.installmentsMismatch(formatMoney(existing.amount), formatMoney(load))}
-      </p>
-    )
-  }
-  return (
-    <Button
-      variant="outline"
-      className="mt-3"
-      disabled={create.isPending}
-      onClick={() =>
-        create.mutate(
-          { kind: 'expense', name: s.installmentsName, amount: load },
-          {
-            onSuccess: () => toast.success(s.installmentsAdded),
-            onError: (e) => toast.error(e.message),
-          },
-        )
-      }
-    >
-      {create.isPending ? <Loader2 className="animate-spin" aria-hidden /> : <Plus aria-hidden />}
-      {s.addInstallments(formatMoney(load))}
-    </Button>
-  )
-}

frontend/src/features/period-wizard/schemas.ts

@@ -42,7 +42,10 @@ export function itemSchema(start: string, last: string) {
 export type ItemForm = z.infer<ReturnType<typeof itemSchema>>
 
 /** 4. adım */
-export const savingsSchema = z.object({ goal: moneyText('optional') })
+export const savingsSchema = z.object({
+  goal: moneyText('optional'),
+  carried: moneyText('optional'),
+})
 export type SavingsForm = z.infer<typeof savingsSchema>
 
 /** 5. adım: 4 grubun aylık bütçesi */

frontend/src/features/period-wizard/step-budget.tsx

@@ -13,7 +13,6 @@ import { useHousehold } from '@/lib/household'
 import { toKurus } from '@/lib/money-schema'
 import { useBudget, useSetBudget, useSuggestion, useSummary } from '@/lib/periods'
 import { moneyToText } from '@/lib/plan-draft'
-import { useDebt } from '@/lib/debt'
 import { t } from '@/lib/strings'
 import { cn } from '@/lib/utils'
 import type { GroupAmounts } from '@/types/GroupAmounts'
@@ -88,7 +87,6 @@ function BudgetStepForm({
   onBack: () => void
   onDone: () => void
 }) {
-  const debt = useDebt()
   const setBudget = useSetBudget(period.id)
   const {
     control,
@@ -124,7 +122,7 @@ function BudgetStepForm({
   return (
     <form onSubmit={onSubmit} noValidate>
       <StepIntro title={s.title} hint={s.hint} />
-      <SummaryTiles summary={summary} debtPayment={(debt.data?.latest?.total ?? 0) > 0} />
+      <SummaryTiles summary={summary} />
 
       <div className="mt-6">
         <SuggestionPicker periodId={period.id} onApply={(a) => reset(toForm(a))} />

frontend/src/features/period-wizard/step-savings.tsx

@@ -3,19 +3,33 @@ import { Controller, useForm, useWatch } from 'react-hook-form'
 import { FormError, FormField } from '@/components/form-field'
 import { MoneyInput } from '@/components/money-input'
 import { PageError, PageLoading } from '@/components/page'
+import { CarriedDebtField } from '@/features/planning/carried-debt-field'
 import { ApiError } from '@/lib/api'
+import {
+  carriedText,
+  DEFAULT_SPENDABLE_RATE_BP,
+  effectiveCarried,
+  formatRate,
+  parseCarried,
+  previewSummary,
+} from '@/lib/debt-plan'
+import { useSetOpeningDebt } from '@/lib/debt'
 import { formatMoney, formatNumber, parseMoney } from '@/lib/format'
 import { toKurus } from '@/lib/money-schema'
 import { useSummary, useUpdatePeriod } from '@/lib/periods'
 import { t } from '@/lib/strings'
 import { cn } from '@/lib/utils'
 import type { Period } from '@/types/Period'
+import type { PeriodSummary } from '@/types/PeriodSummary'
 import { savingsSchema, type SavingsForm } from './schemas'
 import { StepActions, StepIntro } from './wizard-ui'
 
 const s = t.wizard.savings
 
-/** 4. adım: birikim hedefi (harcamadan önce ayrılır). */
+/**
+ * 4. adım: devreden borç + birikim hedefi (harcamadan önce ayrılır).
+ * Devreden borç > 0 → borçlu ay: harcanabilir gelirin %45'i, kalan borca; birikim kapalı.
+ */
 export function StepSavings({
   period,
   onBack,
@@ -26,7 +40,25 @@ export function StepSavings({
   onNext: () => void
 }) {
   const summary = useSummary(period.id)
+  if (summary.isPending) return <PageLoading />
+  if (summary.isError)
+    return <PageError message={summary.error.message} onRetry={summary.refetch} />
+  return <SavingsForm period={period} summary={summary.data} onBack={onBack} onNext={onNext} />
+}
+
+function SavingsForm({
+  period,
+  summary,
+  onBack,
+  onNext,
+}: {
+  period: Period
+  summary: PeriodSummary
+  onBack: () => void
+  onNext: () => void
+}) {
   const update = useUpdatePeriod()
+  const setCarried = useSetOpeningDebt(period.id)
 
   const {
     control,
@@ -36,23 +68,32 @@ export function StepSavings({
   } = useForm<SavingsForm>({
     resolver: zodResolver(savingsSchema),
     mode: 'onTouched',
-    defaultValues: { goal: period.savings_goal ? formatNumber(period.savings_goal / 100) : '' },
+    defaultValues: {
+      goal: period.savings_goal ? formatNumber(period.savings_goal / 100) : '',
+      carried: carriedText(summary),
+    },
   })
   const goalText = useWatch({ control, name: 'goal' })
+  const carriedValue = useWatch({ control, name: 'carried' })
 
-  if (summary.isPending) return <PageLoading />
-  if (summary.isError)
-    return <PageError message={summary.error.message} onRetry={summary.refetch} />
-
-  // Birikimden önceki kalan = harcanabilir + (kayıtlı) birikim hedefi → formül yalnızca backend'de
-  const available = summary.data.spendable + summary.data.savings_goal
-  const goal = parseMoney(goalText) ?? 0
-  const after = available - Math.max(goal, 0)
+  const preview = previewSummary(summary, {
+    income: summary.income_total,
+    fixed: summary.fixed_expense_total,
+    savings: Math.max(parseMoney(goalText) ?? 0, 0),
+    carried: effectiveCarried(carriedValue, summary),
+    rateBp: period.spendable_rate_bp ?? DEFAULT_SPENDABLE_RATE_BP,
+    budget: summary.budget_total,
+  })
+  const available = summary.income_total - summary.fixed_expense_total
+  const after = preview.spendable
 
   const onSubmit = handleSubmit(async (v) => {
     const kurus = toKurus(v.goal)
+    const carried = parseCarried(v.carried)
+    const manual = summary.carried_debt_source === 'manual' ? summary.carried_debt : null
     try {
-      if (kurus !== period.savings_goal) {
+      if (carried !== manual) await setCarried.mutateAsync(carried)
+      if (!preview.debt_mode && kurus !== period.savings_goal) {
         await update.mutateAsync({ id: period.id, version: period.version, savings_goal: kurus })
       }
       onNext()
@@ -67,18 +108,54 @@ export function StepSavings({
 
       <div className="space-y-5">
         <Row label={s.available} amount={available} />
-        <FormField label={s.goal} error={errors.goal}>
-          {(f) => (
-            <Controller
-              control={control}
-              name="goal"
-              render={({ field }) => (
-                <MoneyInput {...f} {...field} placeholder="0,00" className="h-12 text-lg" />
-              )}
+        <Controller
+          control={control}
+          name="carried"
+          render={({ field }) => (
+            <CarriedDebtField
+              summary={summary}
+              name={field.name}
+              value={field.value}
+              onChange={field.onChange}
+              onBlur={field.onBlur}
+              error={errors.carried}
             />
           )}
-        </FormField>
-        <Row label={s.after} amount={after} strong />
+        />
+        {preview.debt_mode ? (
+          <>
+            <Row label={t.summary.debtPayment} amount={preview.debt_payment} />
+            <p className="text-sm text-muted-foreground italic">
+              {s.goal}: {t.carried.savingsLocked}
+            </p>
+          </>
+        ) : (
+          <FormField label={s.goal} error={errors.goal}>
+            {(f) => (
+              <Controller
+                control={control}
+                name="goal"
+                render={({ field }) => (
+                  <MoneyInput {...f} {...field} placeholder="0,00" className="h-12 text-lg" />
+                )}
+              />
+            )}
+          </FormField>
+        )}
+        <Row
+          label={
+            preview.debt_mode
+              ? `${s.after} (${t.summary.rateShort(formatRate(preview.spendable_rate_bp))})`
+              : s.after
+          }
+          amount={after}
+          strong
+        />
+        {preview.debt_fixed_too_high && (
+          <p role="alert" className="text-sm font-medium text-expense">
+            {t.summary.fixedTooHigh}
+          </p>
+        )}
         {after < 0 && (
           <p role="status" className="text-sm text-warning">
             {s.negative}

frontend/src/features/planning/carried-debt-field.tsx

@@ -0,0 +1,72 @@
+import type { FieldError } from 'react-hook-form'
+import { FormField } from '@/components/form-field'
+import { MoneyInput } from '@/components/money-input'
+import { formatDate, formatMoney, formatNumber } from '@/lib/format'
+import { parseCarried } from '@/lib/debt-plan'
+import { t } from '@/lib/strings'
+import type { PeriodSummary } from '@/types/PeriodSummary'
+
+const s = t.carried
+
+/**
+ * Devreden banka borcu (KMH + kart). Boş → son ay sonu ölçümünden otomatik; yazılırsa elle
+ * düzeltme ("elle düzeltildi"), `0` → borç bitti. Kaydetme çağıranın formunda.
+ */
+export function CarriedDebtField({
+  summary,
+  value,
+  onChange,
+  onBlur,
+  name,
+  error,
+}: {
+  summary: PeriodSummary
+  value: string
+  onChange: (v: string) => void
+  onBlur?: () => void
+  name?: string
+  error?: FieldError
+}) {
+  const manual = parseCarried(value)
+  const auto = summary.carried_debt_auto
+  const info =
+    manual === 0
+      ? s.zero
+      : manual === null
+        ? auto !== null && summary.carried_debt_date
+          ? s.fromSnapshot(formatDate(summary.carried_debt_date), formatMoney(auto))
+          : s.noSnapshot
+        : null
+
+  return (
+    <div className="space-y-1.5">
+      <FormField label={s.label} error={error} className="max-w-xs">
+        {(f) => (
+          <MoneyInput
+            {...f}
+            name={name}
+            value={value}
+            onChange={onChange}
+            onBlur={onBlur}
+            placeholder={auto !== null ? formatNumber(auto / 100) : '0,00'}
+          />
+        )}
+      </FormField>
+      {manual !== null && (
+        <span className="inline-block rounded-full bg-warning/15 px-2 py-0.5 text-xs font-medium text-warning">
+          {s.manual}
+        </span>
+      )}
+      {info && <p className="money text-xs text-muted-foreground">{info}</p>}
+      {manual !== null && auto !== null && (
+        <button
+          type="button"
+          className="min-h-11 text-sm font-medium text-primary underline-offset-4 hover:underline"
+          onClick={() => onChange('')}
+        >
+          {s.backToAuto} ({formatMoney(auto)})
+        </button>
+      )}
+    </div>
+  )
+}

frontend/src/features/planning/page.tsx

@@ -4,9 +4,7 @@ import { PageError, PageHeader, PageLoading } from '@/components/page'
 import { Button } from '@/components/ui/button'
 import { NotesSection } from '@/features/notes/notes-section'
 import { CopyPrevious } from '@/features/period-wizard/step-items'
-import { PeriodDebtSection } from '@/features/debt/period-debt'
 import { PeriodPicker } from '@/features/periods/period-picker'
-import { useDebt } from '@/lib/debt'
 import { SelectedPeriod } from '@/features/periods/selected-period'
 import { isWritable } from '@/lib/period-select'
 import { useBudget, usePlanItems, useSummary } from '@/lib/periods'
@@ -34,8 +32,6 @@ function PlanView({ period }: { period: Period }) {
   const items = usePlanItems(period.id)
   const summary = useSummary(period.id)
   const budget = useBudget(period.id)
-  const debt = useDebt()
-  const inDebt = (debt.data?.latest?.total ?? 0) > 0
   const [editing, setEditing] = useState(false)
 
   const failed = [items, summary, budget].find((q) => q.isError)
@@ -71,8 +67,7 @@ function PlanView({ period }: { period: Period }) {
           )
         }
       />
-      <SummaryTiles summary={summary.data} debtPayment={inDebt} />
-      <PeriodDebtSection period={period} items={items.data} writable={editable} />
+      <SummaryTiles summary={summary.data} />
       <div className="grid gap-4 lg:grid-cols-2">
         <ItemsList kind="income" list={items.data.filter((i) => i.kind === 'income')} />
         <ItemsList kind="expense" list={items.data.filter((i) => i.kind === 'expense')} />

frontend/src/features/planning/plan-edit.tsx

@@ -23,7 +23,12 @@ import { formatDayMonth, formatMoney, formatNumber, parseMoney } from '@/lib/for
 import { group, GROUPS } from '@/lib/groups'
 import { useSavePlan } from '@/lib/periods'
 import { diffPlan, GROUP_CODES, hasChanges, moneyToText, toDraft } from '@/lib/plan-draft'
-import { useDebt } from '@/lib/debt'
+import {
+  DEFAULT_SPENDABLE_RATE_BP,
+  effectiveCarried,
+  parseRate,
+  previewSummary,
+} from '@/lib/debt-plan'
 import { t } from '@/lib/strings'
 import { cn } from '@/lib/utils'
 import type { GroupBudget } from '@/types/GroupBudget'
@@ -35,6 +40,7 @@ import { DistributionBar } from './distribution-bar'
 import { PeriodHeading, Section } from './plan-read'
 import { planSchema, type PlanForm } from './schema'
 import { SuggestionPicker } from './suggestion-picker'
+import { CarriedDebtField } from './carried-debt-field'
 import { SummaryTiles } from './summary-tiles'
 
 const s = t.plan
@@ -60,7 +66,6 @@ export function PlanEdit({
   summary: PeriodSummary
   onClose: () => void
 }) {
-  const debt = useDebt()
   const save = useSavePlan(period)
   const {
     control,
@@ -71,29 +76,27 @@ export function PlanEdit({
   } = useForm<PlanForm>({
     resolver: zodResolver(planSchema(period.start_date, period.last_date)),
     mode: 'onTouched',
-    defaultValues: toDraft(period, items, budget),
+    defaultValues: toDraft(period, items, budget, summary),
   })
   const v = useWatch({ control })
 
   // ---- Canlı önizleme: kaydedilmiş özet + taslaktaki farklar (formül backend'de kalır)
   const incomeTotal = (v.incomes ?? []).reduce((a, r) => a + k(r?.amount), 0)
   const fixedTotal = (v.expenses ?? []).reduce((a, r) => a + k(r?.amount), 0)
-  const savings = k(v.savings)
-  const spendable =
-    summary.spendable +
-    (incomeTotal - summary.income_total) -
-    (fixedTotal - summary.fixed_expense_total) -
-    (savings - summary.savings_goal)
   const budgetTotal = GROUP_CODES.reduce((a, g) => a + k(v.budget?.[g]), 0)
-  const preview: PeriodSummary = {
-    ...summary,
-    income_total: incomeTotal,
-    fixed_expense_total: fixedTotal,
-    savings_goal: savings,
-    spendable,
-    budget_total: budgetTotal,
-    unallocated: spendable - budgetTotal,
-  }
+  const rateBp = parseRate(v.rate)
+  const preview = previewSummary(summary, {
+    income: incomeTotal,
+    fixed: fixedTotal,
+    savings: k(v.savings),
+    carried: effectiveCarried(v.carried, summary),
+    rateBp:
+      rateBp !== null && rateBp >= 1000 && rateBp <= 9000
+        ? rateBp
+        : (period.spendable_rate_bp ?? DEFAULT_SPENDABLE_RATE_BP),
+    budget: budgetTotal,
+  })
+  const spendable = preview.spendable
 
   // ---- Kaydedilmemiş değişiklik koruması
   const blocker = useBlocker(
@@ -113,7 +116,7 @@ export function PlanEdit({
   }, [isDirty])
 
   const onSubmit = handleSubmit(async (draft) => {
-    const ops = diffPlan(period, items, budget, draft)
+    const ops = diffPlan(period, items, budget, draft, summary)
     if (!hasChanges(ops)) {
       toast(s.noChanges)
       return onClose()
@@ -148,7 +151,7 @@ export function PlanEdit({
       </div>
 
       <PeriodHeading period={period} actions={actions} />
-      <SummaryTiles summary={preview} debtPayment={(debt.data?.latest?.total ?? 0) > 0} />
+      <SummaryTiles summary={preview} />
 
       <div className="grid gap-4">
         <ItemsEdit
@@ -178,15 +181,54 @@ export function PlanEdit({
           </Button>
         }
       >
-        <FormField label={s.savings} error={errors.savings} className="max-w-xs">
-          {(f) => (
+        <div className="space-y-5">
+          <div className="space-y-3 rounded-xl border p-3">
+            <h4 className="font-medium">{t.carried.title}</h4>
+            <p className="text-sm text-muted-foreground">{t.carried.hint}</p>
             <Controller
               control={control}
-              name="savings"
-              render={({ field }) => <MoneyInput {...f} {...field} placeholder="0,00" />}
+              name="carried"
+              render={({ field }) => (
+                <CarriedDebtField
+                  summary={summary}
+                  name={field.name}
+                  value={field.value}
+                  onChange={field.onChange}
+                  onBlur={field.onBlur}
+                  error={errors.carried}
+                />
+              )}
             />
+            {preview.debt_mode && (
+              <FormField
+                label={t.carried.rate}
+                error={errors.rate}
+                hint={t.carried.rateHint}
+                className="max-w-40"
+              >
+                {(f) => (
+                  <Input {...f} inputMode="decimal" autoComplete="off" {...register('rate')} />
+                )}
+              </FormField>
+            )}
+          </div>
+          {preview.debt_mode ? (
+            <div>
+              <p className="text-sm font-medium text-muted-foreground">{s.savings}</p>
+              <p className="text-sm text-muted-foreground italic">{t.carried.savingsLocked}</p>
+            </div>
+          ) : (
+            <FormField label={s.savings} error={errors.savings} className="max-w-xs">
+              {(f) => (
+                <Controller
+                  control={control}
+                  name="savings"
+                  render={({ field }) => <MoneyInput {...f} {...field} placeholder="0,00" />}
+                />
+              )}
+            </FormField>
           )}
-        </FormField>
+        </div>
       </Section>
 
       <BudgetEdit

frontend/src/features/planning/schema.ts

@@ -1,6 +1,8 @@
 import { z } from 'zod'
 import { itemSchema } from '@/features/period-wizard/schemas'
+import { parseRate } from '@/lib/debt-plan'
 import { moneyText } from '@/lib/money-schema'
+import { t } from '@/lib/strings'
 
 /** Plan ekranı düzenleme formu (`lib/plan-draft.ts` → `PlanDraft` ile aynı biçim). */
 export function planSchema(start: string, last: string) {
@@ -13,6 +15,11 @@ export function planSchema(start: string, last: string) {
     incomes: z.array(item),
     expenses: z.array(item),
     savings: money,
+    carried: money,
+    rate: z.string().refine((v) => {
+      const bp = parseRate(v)
+      return bp !== null && bp >= 1000 && bp <= 9000
+    }, t.carried.rateError),
     budget: z.object({ needs: money, wants: money, culture: money, unexpected: money }),
     weeks: z.object({
       needs: z.array(money),

frontend/src/features/planning/summary-tiles.tsx

@@ -1,3 +1,5 @@
+import { TriangleAlert } from 'lucide-react'
+import { formatRate } from '@/lib/debt-plan'
 import { formatMoney } from '@/lib/format'
 import { t } from '@/lib/strings'
 import { cn } from '@/lib/utils'
@@ -6,61 +8,96 @@ import type { PeriodSummary } from '@/types/PeriodSummary'
 const s = t.summary
 
 /**
- * Plan özeti: Gelir − Sabit giderler − Birikim − Devreden borç (+ Devreden artı) = Harcanabilir.
- * Mobilde 2 sütun, geniş ekranda tek satır. Devir kutucukları yalnızca tutar varsa görünür.
+ * Plan özeti.
+ * - Normal ay: Gelir − Sabit giderler − Birikim − Önceki ay aşımı (+ Devreden artı) = Harcanabilir.
+ * - Borçlu ay (devreden banka borcu > 0, docs/KAKEIBO_PANEL_ISTEKLERI.md A):
+ *   Gelir − Sabit giderler − Bu ay borca giden = Harcanabilir (gelirin %45'i); birikim kapalı.
+ * Mobilde 2 sütun, geniş ekranda tek satır.
  */
-export function SummaryTiles({
-  summary,
-  debtPayment = false,
-}: {
-  summary: PeriodSummary
-  /** Borç takibinde borç varken birikim hedefi "Borç ödemesi" adıyla (docs/BORC_TAKIBI.md) */
-  debtPayment?: boolean
-}) {
+export function SummaryTiles({ summary }: { summary: PeriodSummary }) {
+  const debt = summary.debt_mode
   const tiles: { label: string; amount: number; sign?: '−' | '+'; tone?: string }[] = [
     { label: s.income, amount: summary.income_total, tone: 'text-income' },
     { label: s.fixed, amount: summary.fixed_expense_total, sign: '−' },
-    { label: debtPayment ? s.debtPayment : s.savings, amount: summary.savings_goal, sign: '−' },
   ]
-  if (summary.carryover_debt > 0) {
-    tiles.push({ label: s.debt, amount: summary.carryover_debt, sign: '−', tone: 'text-expense' })
-  }
-  if (summary.carryover_surplus > 0) {
-    tiles.push({ label: s.surplus, amount: summary.carryover_surplus, sign: '+' })
+  if (debt) {
+    tiles.push({ label: s.debtPayment, amount: summary.debt_payment, sign: '−' })
+  } else {
+    tiles.push({ label: s.savings, amount: summary.savings_goal, sign: '−' })
+    if (summary.carryover_debt > 0) {
+      tiles.push({ label: s.debt, amount: summary.carryover_debt, sign: '−', tone: 'text-expense' })
+    }
+    if (summary.carryover_surplus > 0) {
+      tiles.push({ label: s.surplus, amount: summary.carryover_surplus, sign: '+' })
+    }
   }
 
   return (
-    <dl className="grid grid-cols-2 gap-2 sm:flex sm:flex-wrap">
-      {tiles.map((tile) => (
-        <div key={tile.label} className="rounded-xl border bg-card p-3 sm:min-w-32 sm:flex-1">
-          <dt className="text-xs text-muted-foreground">
-            {tile.sign && <span aria-hidden>{tile.sign} </span>}
-            {tile.label}
-          </dt>
-          <dd className={cn('money mt-1 font-semibold', tile.tone)}>{formatMoney(tile.amount)}</dd>
-        </div>
-      ))}
-      <div
-        className={cn(
-          'col-span-2 rounded-xl border-2 p-3 sm:min-w-40 sm:flex-[1.4]',
-          summary.spendable < 0
-            ? 'border-expense/50 bg-expense/5'
-            : 'border-primary/40 bg-primary/5',
-        )}
-      >
-        <dt className="text-xs font-medium text-muted-foreground">
-          <span aria-hidden>= </span>
-          {s.spendable}
-        </dt>
-        <dd
+    <div className="space-y-2">
+      <dl className="grid grid-cols-2 gap-2 sm:flex sm:flex-wrap">
+        {tiles.map((tile) => (
+          <div key={tile.label} className="rounded-xl border bg-card p-3 sm:min-w-32 sm:flex-1">
+            <dt className="text-xs text-muted-foreground">
+              {tile.sign && <span aria-hidden>{tile.sign} </span>}
+              {tile.label}
+            </dt>
+            <dd className={cn('money mt-1 font-semibold', tile.tone)}>
+              {formatMoney(tile.amount)}
+            </dd>
+          </div>
+        ))}
+        <div
           className={cn(
-            'money mt-1 text-xl font-bold',
-            summary.spendable < 0 ? 'text-expense' : 'text-foreground',
+            'col-span-2 rounded-xl border-2 p-3 sm:min-w-40 sm:flex-[1.4]',
+            summary.spendable < 0
+              ? 'border-expense/50 bg-expense/5'
+              : 'border-primary/40 bg-primary/5',
           )}
         >
-          {formatMoney(summary.spendable)}
-        </dd>
-      </div>
-    </dl>
+          <dt className="text-xs font-medium text-muted-foreground">
+            <span aria-hidden>= </span>
+            {s.spendable}
+          </dt>
+          <dd
+            className={cn(
+              'money mt-1 text-xl font-bold',
+              summary.spendable < 0 ? 'text-expense' : 'text-foreground',
+            )}
+          >
+            {formatMoney(summary.spendable)}
+          </dd>
+          {debt && (
+            <p className="mt-0.5 text-[11px] text-muted-foreground">
+              {s.rateLabel(formatRate(summary.spendable_rate_bp))}
+            </p>
+          )}
+        </div>
+      </dl>
+      {debt && (
+        <div className="space-y-1 text-sm">
+          <p className="flex flex-wrap gap-x-1.5 text-muted-foreground">
+            <span className="money">{s.carriedPart(formatMoney(summary.carried_debt))}</span>
+            <span aria-hidden>·</span>
+            <span className="money">
+              {s.targetPart(formatMoney(summary.closing_debt_target ?? summary.carried_debt))}
+            </span>
+          </p>
+          {summary.debt_to_savings > 0 && (
+            <p className="money text-income">
+              {s.toSavingsLine(formatMoney(summary.debt_to_savings))}
+            </p>
+          )}
+          {summary.debt_to_savings === 0 && (
+            <p className="text-muted-foreground italic">{s.savingsLocked}</p>
+          )}
+          {summary.debt_fixed_too_high && (
+            <p role="alert" className="flex items-start gap-1.5 font-medium text-expense">
+              <TriangleAlert className="mt-0.5 size-4 shrink-0" aria-hidden />
+              {s.fixedTooHigh}
+            </p>
+          )}
+        </div>
+      )}
+    </div>
   )
 }

frontend/src/lib/debt-plan.test.ts

@@ -0,0 +1,116 @@
+import { describe, expect, it } from 'vitest'
+import {
+  carriedText,
+  debtPlan,
+  effectiveCarried,
+  parseCarried,
+  parseRate,
+  previewSummary,
+} from './debt-plan'
+
+// docs/KAKEIBO_PANEL_ISTEKLERI.md A5 "Kontrol" rakamları (backend testiyle aynı)
+describe('debtPlan', () => {
+  it('A5: gelir 79.509,64 · sabit 23.006,90 · devreden 57.100', () => {
+    const p = debtPlan(7_950_964, 2_300_690, 5_710_000, 4500)
+    expect(p.spendable).toBe(3_577_934)
+    expect(p.payment).toBe(2_072_340)
+    expect(p.toSavings).toBe(0)
+    expect(p.closingTarget).toBe(3_637_660)
+    expect(p.fixedTooHigh).toBe(false)
+  })
+
+  it('borç küçükse artan birikime gider, hedef 0', () => {
+    const p = debtPlan(7_950_964, 2_300_690, 1_000_000, 4500)
+    expect([p.payment, p.toSavings, p.closingTarget]).toEqual([1_000_000, 1_072_340, 0])
+  })
+
+  it('sabitler çok yüksek: harcanabilir = gelir − sabit, borca 0', () => {
+    const p = debtPlan(7_950_964, 5_000_000, 5_710_000, 4500)
+    expect([p.spendable, p.payment, p.fixedTooHigh]).toEqual([2_950_964, 0, true])
+    expect(p.closingTarget).toBe(5_710_000)
+  })
+
+  it('oran değişebilir; yarım kuruş yukarı yuvarlanır', () => {
+    expect(debtPlan(1_000_000, 0, 1, 5000).spendable).toBe(500_000)
+    expect(debtPlan(3, 0, 1, 5000).spendable).toBe(2)
+  })
+})
+
+describe('devreden borç alanı ve önizleme', () => {
+  const auto = {
+    carried_debt_source: 'auto' as const,
+    carried_debt: 5_710_000,
+    carried_debt_auto: 5_710_000,
+  }
+  const manual0 = {
+    carried_debt_source: 'manual' as const,
+    carried_debt: 0,
+    carried_debt_auto: 5_710_000,
+  }
+
+  it('form metni: otomatik → boş, elle 0 → "0"', () => {
+    expect(carriedText(auto)).toBe('')
+    expect(carriedText(manual0)).toBe('0')
+    expect(parseCarried('')).toBeNull()
+    expect(parseCarried('0')).toBe(0)
+    expect(parseCarried('10.000')).toBe(1_000_000)
+  })
+
+  it('boş alan son ölçüme döner; elle değer önce gelir', () => {
+    expect(effectiveCarried('', manual0)).toBe(5_710_000)
+    expect(effectiveCarried('0', auto)).toBe(0)
+    expect(
+      effectiveCarried('', { ...auto, carried_debt_source: null, carried_debt_auto: null }),
+    ).toBe(0)
+  })
+
+  it('oran metni', () => {
+    expect(parseRate('45')).toBe(4500)
+    expect(parseRate('45,5')).toBe(4550)
+    expect(parseRate('')).toBeNull()
+    expect(parseRate('abc')).toBeNull()
+  })
+
+  it('önizleme: borçlu ay %45, borç bitince normal Kakeibo', () => {
+    const saved = {
+      income_total: 0,
+      fixed_expense_total: 0,
+      savings_goal: 500_000,
+      carryover_debt: 100_000,
+      carryover_surplus: 0,
+      spendable: 0,
+      carried_debt: 0,
+      carried_debt_source: null,
+      carried_debt_date: null,
+      carried_debt_auto: null,
+      debt_mode: false,
+      spendable_rate_bp: 4500,
+      debt_payment: 0,
+      debt_to_savings: 0,
+      debt_fixed_too_high: false,
+      closing_debt_target: null,
+      budget_total: 0,
+      unallocated: 0,
+      spent_total: 1_000,
+      remaining: 0,
+    }
+    const d = {
+      income: 7_950_964,
+      fixed: 2_300_690,
+      savings: 500_000,
+      rateBp: 4500,
+      budget: 3_000_000,
+    }
+    const debt = previewSummary(saved, { ...d, carried: 5_710_000 })
+    expect(debt.debt_mode).toBe(true)
+    expect([debt.spendable, debt.debt_payment, debt.closing_debt_target]).toEqual([
+      3_577_934, 2_072_340, 3_637_660,
+    ])
+    expect(debt.unallocated).toBe(577_934)
+    expect(debt.remaining).toBe(3_576_934)
+    const normal = previewSummary(saved, { ...d, carried: 0 })
+    expect(normal.debt_mode).toBe(false)
+    // gelir − sabit − birikim − önceki ay aşımı
+    expect(normal.spendable).toBe(7_950_964 - 2_300_690 - 500_000 - 100_000)
+  })
+})

frontend/src/lib/debt-plan.ts

@@ -0,0 +1,130 @@
+/**
+ * Borçlu ayın planı (docs/KAKEIBO_PANEL_ISTEKLERI.md A). Backend `services/budget.rs`
+ * `debt_plan` ile birebir aynı; asıl değer backend'den gelir, bu yalnızca düzenleme önizlemesi.
+ *
+ *   harcanabilir = gelir × oran (varsayılan %45, yarım yukarı yuvarlanır)
+ *   borca giden  = min(gelir − sabit − harcanabilir, devreden borç); artan → birikim
+ *   gelir − sabit < gelir × oran → harcanabilir = gelir − sabit, borca 0, uyarı
+ */
+import type { PeriodSummary } from '@/types/PeriodSummary'
+import { formatNumber } from './format'
+import { toKurus } from './money-schema'
+
+export const DEFAULT_SPENDABLE_RATE_BP = 4500
+
+export type DebtPlan = {
+  carried: number
+  rateBp: number
+  spendable: number
+  payment: number
+  toSavings: number
+  fixedTooHigh: boolean
+  closingTarget: number
+}
+
+export function debtPlan(income: number, fixed: number, carried: number, rateBp: number): DebtPlan {
+  const byRate = Number((BigInt(Math.max(income, 0)) * BigInt(rateBp) + 5_000n) / 10_000n)
+  const afterFixed = income - fixed
+  const fixedTooHigh = afterFixed < byRate
+  const spendable = fixedTooHigh ? afterFixed : byRate
+  const raw = fixedTooHigh ? 0 : afterFixed - byRate
+  const payment = Math.min(raw, carried)
+  return {
+    carried,
+    rateBp,
+    spendable,
+    payment,
+    toSavings: raw - payment,
+    fixedTooHigh,
+    closingTarget: carried - payment,
+  }
+}
+
+/** Baz puan → `45` / `45,5` */
+export function formatRate(bp: number): string {
+  return formatNumber(bp / 100, bp % 100 === 0 ? 0 : 2)
+}
+
+// ---------- Plan düzenleme: devreden borç alanı + canlı önizleme ----------
+
+type CarriedSource = Pick<
+  PeriodSummary,
+  'carried_debt_source' | 'carried_debt' | 'carried_debt_auto'
+>
+
+/** Form metni: elle girilmişse tutar (`0` dahil — borç bitti), otomatikse boş */
+export function carriedText(s: CarriedSource): string {
+  if (s.carried_debt_source !== 'manual') return ''
+  return s.carried_debt ? formatNumber(s.carried_debt / 100) : '0'
+}
+
+/** Form metni → istek: boş → `null` (son ölçümden), aksi halde kuruş */
+export function parseCarried(text: string | undefined): number | null {
+  return (text ?? '').trim() === '' ? null : Math.max(toKurus(text ?? ''), 0)
+}
+
+/** Formdaki metne göre geçerli devreden borç */
+export function effectiveCarried(text: string | undefined, s: CarriedSource): number {
+  return parseCarried(text) ?? s.carried_debt_auto ?? 0
+}
+
+/** Oran metni (`45`, `45,5`) → baz puan; geçersizse `null` */
+export function parseRate(text: string | undefined): number | null {
+  const v = Number((text ?? '').trim().replace(',', '.'))
+  if (!(text ?? '').trim() || !Number.isFinite(v)) return null
+  return Math.round(v * 100)
+}
+
+/**
+ * Düzenleme taslağından özet önizlemesi (backend `budget::summary` ile aynı kural).
+ * Borçlu ay: harcanabilir = `debtPlan`; değilse gelir − sabit − birikim − devir borç + devir artı.
+ */
+export function previewSummary(
+  saved: PeriodSummary,
+  d: {
+    income: number
+    fixed: number
+    savings: number
+    carried: number
+    rateBp: number
+    budget: number
+  },
+): PeriodSummary {
+  const base = {
+    ...saved,
+    income_total: d.income,
+    fixed_expense_total: d.fixed,
+    savings_goal: d.savings,
+  }
+  let next: PeriodSummary
+  if (d.carried > 0) {
+    const p = debtPlan(d.income, d.fixed, d.carried, d.rateBp)
+    next = {
+      ...base,
+      spendable: p.spendable,
+      carried_debt: d.carried,
+      debt_mode: true,
+      spendable_rate_bp: d.rateBp,
+      debt_payment: p.payment,
+      debt_to_savings: p.toSavings,
+      debt_fixed_too_high: p.fixedTooHigh,
+      closing_debt_target: p.closingTarget,
+    }
+  } else {
+    next = {
+      ...base,
+      spendable: d.income - d.fixed - d.savings - saved.carryover_debt + saved.carryover_surplus,
+      carried_debt: 0,
+      debt_mode: false,
+      spendable_rate_bp: d.rateBp,
+      debt_payment: 0,
+      debt_to_savings: 0,
+      debt_fixed_too_high: false,
+      closing_debt_target: null,
+    }
+  }
+  next.budget_total = d.budget
+  next.unallocated = next.spendable - d.budget
+  next.remaining = next.spendable - saved.spent_total
+  return next
+}

frontend/src/lib/debt.test.ts

@@ -79,17 +79,3 @@ describe('debt (backend ile aynı, kabul rakamları)', () => {
     ])
   })
 })
-
-describe('plan integration', () => {
-  it('finds the installments expense item by name', async () => {
-    const { findInstallmentItem } = await import('./debt')
-    const items = [
-      { kind: 'income', name: 'Taksitler' },
-      { kind: 'expense', name: 'Kira' },
-      { kind: 'expense', name: ' TAKSİTLER ' },
-    ]
-    expect(findInstallmentItem(items)?.name).toBe(' TAKSİTLER ')
-    expect(findInstallmentItem([{ kind: 'expense', name: 'Taksit' }])).toBeTruthy()
-    expect(findInstallmentItem([{ kind: 'expense', name: 'Taksitli alışveriş' }])).toBeUndefined()
-  })
-})

frontend/src/lib/debt.ts

@@ -10,7 +10,6 @@ import type { DebtSummary } from '@/types/DebtSummary'
 import type { DebtTarget } from '@/types/DebtTarget'
 import type { InstallmentPlan } from '@/types/InstallmentPlan'
 import type { InstallmentRequest } from '@/types/InstallmentRequest'
-import type { PeriodDebt } from '@/types/PeriodDebt'
 import { api } from './api'
 import { queryKeys } from './query'
 
@@ -96,13 +95,6 @@ export function useDebt() {
   return useQuery({ queryKey: queryKeys.debt, queryFn: () => api.get<DebtSummary>('/debt') })
 }
 
-export function usePeriodDebt(periodId: string) {
-  return useQuery({
-    queryKey: queryKeys.periodDebt(periodId),
-    queryFn: () => api.get<PeriodDebt>(`/periods/${periodId}/debt`),
-  })
-}
-
 /** Borç verisi değişince özet ve dönem borçları yenilenir */
 function useInvalidateDebt() {
   const qc = useQueryClient()
@@ -168,16 +160,6 @@ export function useSetOpeningDebt(periodId: string) {
   })
 }
 
-/** Plan kalemlerinde "Taksit(ler)" adlı sabit gider (büyük/küçük harf ve Türkçe harf duyarsız) */
-export function findInstallmentItem<T extends { kind: string; name: string }>(
-  items: readonly T[],
-): T | undefined {
-  return items.find(
-    (i) =>
-      i.kind === 'expense' && /^taks[iı]t(ler|lar)?$/.test(i.name.trim().toLocaleLowerCase('tr')),
-  )
-}
-
 export function useDebtImport() {
   const invalidate = useInvalidateDebt()
   return useMutation({

frontend/src/lib/periods.ts

@@ -214,12 +214,14 @@ export function useSavePlan(period: Period) {
   return useMutation({
     mutationFn: async (ops: PlanOps) => {
       const pid = period.id
-      if (ops.savings !== null) {
+      if (ops.savings !== null || ops.rateBp !== null) {
         await api.patch<Period>(`/periods/${pid}`, {
-          savings_goal: ops.savings,
+          savings_goal: ops.savings ?? undefined,
+          spendable_rate_bp: ops.rateBp ?? undefined,
           version: period.version,
         })
       }
+      if (ops.carried) await api.put(`/periods/${pid}/opening-debt`, ops.carried)
       for (const id of ops.deletes) await api.delete(`/plan-items/${id}`)
       for (const { id, ...body } of ops.updates) await api.patch(`/plan-items/${id}`, body)
       for (const body of ops.creates) await api.post(`/periods/${pid}/plan-items`, body)

frontend/src/lib/plan-draft.test.ts

@@ -13,6 +13,7 @@ const period: Period = {
   days: 31,
   status: 'open',
   savings_goal: 500_000,
+  spendable_rate_bp: null,
   reflection_md: null,
   to_savings: null,
   closed_at: null,
@@ -118,4 +119,26 @@ describe('plan draft', () => {
     const ops = diffPlan(period, items, budget, draft)
     expect(ops.weeks).toEqual([{ group: 'wants', week_start: '2026-12-01', amount: 0 }])
   })
+
+  it('devreden borç ve oran yalnızca değişince gönderilir', () => {
+    const auto = {
+      carried_debt_source: 'auto' as const,
+      carried_debt: 5_710_000,
+      carried_debt_auto: 5_710_000,
+    }
+    const draft = toDraft(period, items, budget, auto)
+    expect([draft.carried, draft.rate]).toEqual(['', '45'])
+    expect(hasChanges(diffPlan(period, items, budget, draft, auto))).toBe(false)
+    draft.carried = '0' // borç bitti
+    draft.rate = '50'
+    const ops = diffPlan(period, items, budget, draft, auto)
+    expect(ops.carried).toEqual({ amount: 0 })
+    expect(ops.rateBp).toBe(5000)
+    // Elle → boş: otomatiğe dön
+    const manual = { ...auto, carried_debt_source: 'manual' as const, carried_debt: 1_000_000 }
+    const d2 = toDraft(period, items, budget, manual)
+    expect(d2.carried).toBe('10.000,00')
+    d2.carried = ''
+    expect(diffPlan(period, items, budget, d2, manual).carried).toEqual({ amount: null })
+  })
 })

frontend/src/lib/plan-draft.ts

@@ -13,6 +13,14 @@ import type { Period } from '@/types/Period'
 import type { PlanItem } from '@/types/PlanItem'
 import type { PlanItemCreateRequest } from '@/types/PlanItemCreateRequest'
 import type { PlanItemUpdateRequest } from '@/types/PlanItemUpdateRequest'
+import type { PeriodSummary } from '@/types/PeriodSummary'
+import {
+  carriedText,
+  DEFAULT_SPENDABLE_RATE_BP,
+  formatRate,
+  parseCarried,
+  parseRate,
+} from './debt-plan'
 import { formatNumber } from './format'
 import { toKurus } from './money-schema'
 
@@ -32,13 +40,32 @@ export type PlanDraft = {
   incomes: ItemDraft[]
   expenses: ItemDraft[]
   savings: string
+  /** Devreden borç: `""` → son ay sonu ölçümünden, aksi halde elle (`0` → borç bitti) */
+  carried: string
+  /** Borçlu ayda harcanabilir oranı, yüzde (`45`) */
+  rate: string
   budget: Record<Group, string>
   /** Her grup için dönemin haftaları sırasıyla; `""` → otomatik */
   weeks: Record<Group, string[]>
 }
 
+/** Dönemin kayıtlı devreden borç durumu (özetten) */
+export type CarriedState = Pick<
+  PeriodSummary,
+  'carried_debt_source' | 'carried_debt' | 'carried_debt_auto'
+>
+const NO_CARRIED: CarriedState = {
+  carried_debt_source: null,
+  carried_debt: 0,
+  carried_debt_auto: null,
+}
+
 export type PlanOps = {
   savings: number | null
+  /** Değişmediyse `null`; `{ amount: null }` → otomatiğe dön */
+  carried: { amount: number | null } | null
+  /** Değişmediyse `null` */
+  rateBp: number | null
   deletes: string[]
   updates: (PlanItemUpdateRequest & { id: string })[]
   creates: PlanItemCreateRequest[]
@@ -65,13 +92,20 @@ function budgetFor(budget: GroupBudget[], g: Group): GroupBudget | undefined {
   return budget.find((b) => b.group === g)
 }
 
-export function toDraft(period: Period, items: PlanItem[], budget: GroupBudget[]): PlanDraft {
+export function toDraft(
+  period: Period,
+  items: PlanItem[],
+  budget: GroupBudget[],
+  carried: CarriedState = NO_CARRIED,
+): PlanDraft {
   const rec = <T>(f: (g: Group) => T) =>
     Object.fromEntries(GROUP_CODES.map((g) => [g, f(g)])) as Record<Group, T>
   return {
     incomes: items.filter((i) => i.kind === 'income').map(itemToDraft),
     expenses: items.filter((i) => i.kind === 'expense').map(itemToDraft),
     savings: moneyToText(period.savings_goal),
+    carried: carriedText(carried),
+    rate: formatRate(period.spendable_rate_bp ?? DEFAULT_SPENDABLE_RATE_BP),
     budget: rec((g) => moneyToText(budgetFor(budget, g)?.monthly ?? 0)),
     weeks: rec((g) =>
       period.weeks.map((w) => {
@@ -88,9 +122,12 @@ export function diffPlan(
   items: PlanItem[],
   budget: GroupBudget[],
   draft: PlanDraft,
+  carried: CarriedState = NO_CARRIED,
 ): PlanOps {
   const ops: PlanOps = {
     savings: null,
+    carried: null,
+    rateBp: null,
     deletes: [],
     updates: [],
     creates: [],
@@ -101,6 +138,14 @@ export function diffPlan(
   const savings = toKurus(draft.savings)
   if (savings !== period.savings_goal) ops.savings = savings
 
+  const manual = carried.carried_debt_source === 'manual' ? carried.carried_debt : null
+  const nextCarried = parseCarried(draft.carried)
+  if (nextCarried !== manual) ops.carried = { amount: nextCarried }
+  const rate = parseRate(draft.rate)
+  if (rate !== null && rate !== (period.spendable_rate_bp ?? DEFAULT_SPENDABLE_RATE_BP)) {
+    ops.rateBp = rate
+  }
+
   const byId = new Map(items.map((i) => [i.id, i]))
   const kept = new Set<string>()
   const rows = [
@@ -146,6 +191,8 @@ export function diffPlan(
 export function hasChanges(ops: PlanOps): boolean {
   return (
     ops.savings !== null ||
+    ops.carried !== null ||
+    ops.rateBp !== null ||
     ops.deletes.length + ops.updates.length + ops.creates.length + ops.weeks.length > 0 ||
     ops.monthly !== null
   )

frontend/src/lib/strings.ts

@@ -253,13 +253,40 @@ export const t = {
     income: 'Gelir',
     fixed: 'Sabit giderler',
     savings: 'Birikim',
-    /** Borç takibinde borç > 0 iken birikim hedefinin adı */
-    debtPayment: 'Borç ödemesi',
-    debt: 'Devreden borç',
+    /** Borçlu ay (devreden borç > 0): gelir − sabit − bu ay borca giden = harcanabilir */
+    debtPayment: 'Bu ay borca giden',
+    carriedPart: (amount: string) => `Devreden borç ${amount}`,
+    targetPart: (amount: string) => `ay sonu hedef ${amount}`,
+    rateShort: (pct: string) => `gelirin %${pct}`,
+    toSavingsLine: (amount: string) => `Borç bu ay kapanıyor; artan ${amount} birikime`,
+    savingsLocked: 'Birikim: borç bitince açılır',
+    fixedTooHigh:
+      'Sabit giderler çok yüksek: harcanabilir oranın altında kaldı, bu ay borca para ayrılamıyor.',
+    rateLabel: (pct: string) => `Harcanabilir: gelirin %${pct}`,
+    /** Kakeibo'nun kendi devri (önceki ayın bütçe aşımı); banka borcuyla karışmasın */
+    debt: 'Önceki ay aşımı',
     surplus: 'Devreden artı',
     spendable: 'Harcanabilir',
   },
 
+  /** Planda devreden banka borcu alanı (docs/KAKEIBO_PANEL_ISTEKLERI.md A) */
+  carried: {
+    title: 'Devreden borç',
+    label: 'Devreden borç (KMH + kart)',
+    hint: 'Borç varken harcanabilir gelirin belli bir oranıdır; kalan önce borca gider, birikim borç bitince açılır.',
+    fromSnapshot: (date: string, amount: string) =>
+      `Ay sonu ölçümünden (${date}) otomatik: ${amount}`,
+    noSnapshot:
+      'Ay sonu ölçümü yok. Önceki aydan devreden banka borcu (KMH + kart) varsa yaz; yoksa boş bırak.',
+    manual: 'elle düzeltildi',
+    backToAuto: 'Ölçüme dön',
+    zero: '0 → borç bitti; normal Kakeibo düzeni (birikim hedefi) geçerli.',
+    rate: 'Harcanabilir oranı (%)',
+    rateHint: 'Borçlu ayda harcanabilir = gelir × bu oran. Varsayılan %45.',
+    rateError: '%10 ile %90 arasında bir sayı yazın',
+    savingsLocked: 'Borç bitince açılır. Bu ay gelirin kalanı önce borca gider.',
+  },
+
   ledger: {
     refund: 'İade',
     refundHint: 'İade kaydı: bu tutar kategorinin harcamasından düşülür.',
@@ -527,37 +554,6 @@ export const t = {
     removeInstallmentConfirm: (m: string) => `${m} taksit planı silinsin mi?`,
     noInstallments: 'Kayıtlı taksit planı yok.',
     toInstallments: 'Taksitler',
-    period: {
-      title: 'Bu ayın borcu',
-      hint: 'Banka borcu (KMH, kart, taksitler). Harcanabilir tutarı düşürmez; birikim hedefin borç bitene kadar borç ödemesi sayılır.',
-      opening: 'Ay başı borç',
-      fromSnapshot: (date: string) => `${date} ölçümünden`,
-      manual: 'Elle girildi',
-      noOpening: 'Ölçüm yok',
-      editOpening: 'Ay başı borcu düzelt',
-      resetOpening: 'Son ölçüme dön',
-      openingSaved: 'Ay başı borç kaydedildi',
-      carried: 'Devreden banka borcu',
-      carriedHint: 'Ay başı borç − ekstreye gelmemiş taksitler',
-      payment: 'Borç ödemesi',
-      load: 'Bu ayın taksiti',
-      target: 'Hedef ay sonu borç',
-      targetHint: 'Ay başı − borç ödemesi − bu ayın taksiti',
-      roadmap: (amount: string) => `Yol haritası: ${amount}`,
-      vsRoadmapAbove: (amount: string) => `yol haritasının ${amount} üstünde`,
-      vsRoadmapBelow: (amount: string) => `yol haritasının ${amount} altında`,
-      progressTitle: (date: string) => `${date} ölçümüne göre`,
-      paidDown: (amount: string) => `Borç ${amount} azaldı`,
-      grew: (amount: string) => `Borç ${amount} arttı`,
-      needed: (amount: string) => `ayın hedefi: ${amount} azalma (borç ödemesi + taksit)`,
-      onTrack: 'Hedefe ulaşıldı',
-      addInstallments: (amount: string) => `"Taksitler" sabit giderini ekle (${amount})`,
-      installmentsAdded: 'Taksitler sabit giderlere eklendi',
-      installmentsMismatch: (plan: string, load: string) =>
-        `Plandaki "Taksitler" ${plan}; bu ayın taksit yükü ${load}. Düzenle'den güncelleyebilirsin.`,
-      installmentsName: 'Taksitler',
-      toDebt: 'Borç takibi',
-    },
   },
   monthlyReport: {
     title: 'Aylık Rapor',

frontend/src/types/Period.ts

@@ -19,6 +19,10 @@ last_date: string, days: number, status: PeriodStatus,
  * Kuruş
  */
 savings_goal: number, 
+/**
+ * Borçlu ayda harcanabilir oranı (baz puan); `null` → varsayılan %45
+ */
+spendable_rate_bp: number | null, 
 /**
  * "Nasıl daha iyi yapabilirim?" (Markdown)
  */

frontend/src/types/PeriodSummary.ts

@@ -10,9 +10,45 @@ carryover_debt: number,
  */
 carryover_surplus: number, 
 /**
- * gelir − sabit gider − birikim − borç + artı
+ * Normal ay: gelir − sabit gider − birikim − borç + artı · Borçlu ay: gelir × oran
  */
 spendable: number, 
+/**
+ * Devreden (banka) borcu; yoksa 0. > 0 → borçlu ay (birikim hedefi plana girmez)
+ */
+carried_debt: number, 
+/**
+ * `auto` (ay sonu ölçümü) | `manual` (planda elle) | `null` (hiç girilmedi)
+ */
+carried_debt_source: "auto" | "manual" | null, 
+/**
+ * Son ay sonu ölçümünün tarihi (elle girilmiş olsa da); ölçüm yoksa `null`
+ */
+carried_debt_date: string | null, 
+/**
+ * Son ay sonu ölçümünden gelen tutar (elle düzeltme kaldırılınca kullanılacak); yoksa `null`
+ */
+carried_debt_auto: number | null, debt_mode: boolean, 
+/**
+ * Etkin harcanabilir oranı (baz puan)
+ */
+spendable_rate_bp: number, 
+/**
+ * Bu ay borca giden
+ */
+debt_payment: number, 
+/**
+ * Borca giden devreden borcu aşarsa birikime kalan
+ */
+debt_to_savings: number, 
+/**
+ * Sabit giderler çok yüksek: bu ay borç azalmıyor
+ */
+debt_fixed_too_high: boolean, 
+/**
+ * Ay sonu hedef borç (borçlu ayda)
+ */
+closing_debt_target: number | null, 
 /**
  * 4 grubun aylık bütçe toplamı
  */

frontend/src/types/PeriodUpdateRequest.ts

@@ -1,6 +1,10 @@
 // This file was generated by [ts-rs](https://github.com/Aleph-Alpha/ts-rs). Do not edit this file manually.
 
 export type PeriodUpdateRequest = { name?: string, start_date?: string, end_date?: string, savings_goal?: number, 
+/**
+ * Borçlu ayda harcanabilir oranı (baz puan; 4500 = %45)
+ */
+spendable_rate_bp?: number, 
 /**
  * "Nasıl daha iyi yapabilirim?" (Markdown); boş metin → kaldır
  */