Tasa Cero: exclude anchors from budget/analytics aggregates

The anchor stays visible in listings but only its cuotas count toward
actuals — future cuotas intentionally show up in future months as
committed spend.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

backend/app/api/v1/endpoints/analytics.py

@@ -9,7 +9,7 @@ from sqlmodel import Session, func, select
 from app.auth import get_current_user
 from app.db import get_session
 from app.models.models import Category, Transaction, TransactionType
-from app.services.budget_projection import get_cycle_range
+from app.services.budget_projection import NOT_INSTALLMENT_ANCHOR, get_cycle_range
 from app.services.exchange_rate import get_converted_amount_expr
 
 router = APIRouter(prefix="/analytics", tags=["analytics"])
@@ -53,7 +53,10 @@ def spending_by_category(
             func.sum(amount_crc).label("total"),
             func.count().label("count"),
         )
-        .where(Transaction.transaction_type == TransactionType.COMPRA)
+        .where(
+            Transaction.transaction_type == TransactionType.COMPRA,
+            NOT_INSTALLMENT_ANCHOR,
+        )
         .group_by(Transaction.category_id)
     )
 
@@ -126,6 +129,7 @@ def monthly_trend(
                 Transaction.transaction_type == TransactionType.COMPRA,
                 Transaction.date >= start,
                 Transaction.date < end,
+                NOT_INSTALLMENT_ANCHOR,
             )
         ).first()
 
@@ -171,7 +175,10 @@ def daily_spending(
             func.sum(amount_crc).label("total"),
             func.count().label("count"),
         )
-        .where(Transaction.transaction_type == TransactionType.COMPRA)
+        .where(
+            Transaction.transaction_type == TransactionType.COMPRA,
+            NOT_INSTALLMENT_ANCHOR,
+        )
         .group_by(func.date(Transaction.date))
         .order_by(func.date(Transaction.date))
     )