- Migration 004: adds start_date column to financing_plans (DEFAULT CURRENT_DATE)
- generatePaychecks: skips financing plans whose start_date is after the target month
- buildVirtualPaychecks: same start_date guard for virtual previews (already applied)
- generatePaychecks upsert: preserves gross/net when paycheck has any paid bills
- financing.js POST/PUT: accept and store start_date
- Financing.jsx: add Start Date field to create/edit form (defaults to today)
- CLAUDE.md: document start_date guard and paid-paycheck refresh protection
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
Data model:
- Migration 003: financing_plans and financing_payments tables
- Plans track total amount, due date, paycheck assignment (1, 2, or split)
- Payments linked to paycheck records, one per period
Payment calculation:
- Auto-calculated: (total - paid_so_far) / remaining_periods
- Split plans halve the per-period amount across both paychecks
- Recalculates each period as payments are made
Financing page (/financing):
- Create/edit/delete plans with name, amount, due date, paycheck assignment
- Progress bar showing paid vs total
- Overdue badge when past due with remaining balance
- Paid-off plans moved to a separate section
Paycheck view:
- New Financing section per column with payment checkbox
- Overdue badge on individual payments
- Running paid/total shown in bill meta
- Financing payments included in remaining balance calculation
- Auto-closes plan and reloads when fully paid off
- Lazy generation works: first interaction generates paycheck and payment records
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
