Wrap transaction_type in col() for notin_ filter

SQLModel enum columns need col() to expose SQLAlchemy operators like
notin_. Without it the agent tool raised at query build time and the
chat card flashed away.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

.github/workflows/deploy.yml

@@ -23,6 +23,8 @@ jobs:
           LETSENCRYPT_EMAIL=${{ secrets.LETSENCRYPT_EMAIL }}
           VAPID_PRIVATE_KEY=${{ secrets.VAPID_PRIVATE_KEY }}
           VAPID_PUBLIC_KEY=${{ secrets.VAPID_PUBLIC_KEY }}
+          OPENAI_API_KEY=${{ secrets.OPENAI_API_KEY }}
+          AGENT_MODEL=${{ secrets.AGENT_MODEL }}
           ENVEOF
           sed -i 's/^[[:space:]]*//' .env.prod
 

.gitignore

@@ -2,7 +2,15 @@ node_modules/
 dist/
 __pycache__/
 *.pyc
+*.db
+*.db.bak
 .env
 .env.*
 !.env.example
 docs/legacy_budget_analysis.md
+
+# Reference clones of framework repos (read-only, not tracked)
+tech_docs/
+
+# Claude Code local state
+.claude/

CLAUDE.md

@@ -13,9 +13,33 @@ Personal finance management web app.
 cd frontend && pnpm install && pnpm run dev
 ```
 
+## Local Docker
+
+```bash
+# Backend + DB containers
+docker exec wealthysmart-db-dev psql -U wealthy_user -d wealthysmart -c 'SQL;'
+```
+
 ## Deployment
 
 - Deployed via Gitea Actions (self-hosted runner on VPS)
 - Push to `main` triggers: GitHub → webhook → Gitea mirror sync → Actions workflow → Docker build & deploy
 - Domain: wealth.cescalante.dev
 - Reverse proxy: nginx-proxy + acme-companion (auto TLS)
+
+## Infrastructure
+
+- **Single server**: `ssh old-vps` — runs everything (WealthySmart, n8n, Forgejo, Vaultwarden, nginx-proxy)
+- `ssh production` is **NOT valid** — do not use
+- n8n UI: https://n8n.cescalante.dev — n8n DB queryable via `docker exec portfolio-db-prod psql -U portfolio_user -d n8n`
+
+## n8n Flows
+
+Four automated flows on old-vps feed data into WealthySmart:
+
+1. **BAC Credit Card** — Gmail trigger → POST /transactions/
+2. **Salary Deposits** — Gmail trigger → POST /transactions/
+3. **Municipal Receipts** — Cron trigger → POST /municipal-receipts/upload
+4. **Pension PDFs** (`e88c3UhBeo9WCbcy`) — Gmail trigger (daily midnight) → POST /pensions/upload
+
+Flow export: `docs/WealthySmart_ BAC Pensions Statements parser.json`

backend/Dockerfile

@@ -2,6 +2,6 @@ FROM python:3.11-slim
 WORKDIR /app
 RUN apt-get update && apt-get install -y --no-install-recommends poppler-utils && rm -rf /var/lib/apt/lists/*
 COPY requirements.txt .
-RUN pip install --no-cache-dir -r requirements.txt
+RUN pip install --no-cache-dir --pre -r requirements.txt
 COPY . .
 CMD ["uvicorn", "app.main:app", "--host", "0.0.0.0", "--port", "8000", "--reload"]

backend/app/agent/agent.py

@@ -0,0 +1,74 @@
+"""Microsoft Agent Framework agent wired with OpenAI + WealthySmart tools."""
+
+from __future__ import annotations
+
+from datetime import date
+
+from agent_framework import Agent
+from agent_framework.openai import OpenAIChatCompletionClient
+
+from app.config import settings
+from app.agent.tools import TOOLS
+
+
+SYSTEM_PROMPT = """You are the WealthySmart assistant, an AI analyst for a
+personal-finance app owned by a single user (Carlos).
+
+Context you can rely on:
+- The user's primary currency is Costa Rican colones (CRC, ₡). USD and EUR
+  balances and transactions are always converted to CRC using the latest
+  exchange rate before being summed.
+- Credit-card billing cycles run from the 18th of a month to the 18th of the
+  following month. When the user says "this month" or "last month" without
+  qualifiers, assume they mean the calendar month unless they mention
+  "cycle", "corte", or their credit card.
+- Today's date is {today}. Use it when the user says "this month", "last
+  month", "last year", etc.
+- Amounts are stored as raw numbers in their native currency (see `currency`
+  field on transactions/accounts). Tools that return `total_crc` are already
+  converted; tools that return per-transaction amounts are NOT.
+
+How to answer:
+- ALWAYS call a tool to get data. Do not invent balances, dates or merchants.
+- Call multiple tools in parallel when the question spans domains
+  (e.g. net worth + recent transactions).
+- Format currency with the appropriate symbol: ₡ for CRC (no decimals), $ for
+  USD (two decimals), € for EUR (two decimals).
+- When showing lists, prefer markdown tables over prose.
+- If a tool returns no data, say so explicitly — do not fill in zeros.
+- You are read-only in this version. If asked to create, edit or delete
+  anything, explain that write actions aren't available yet and offer to
+  summarize or export the change instead.
+
+Language: match the user. The app is bilingual (Spanish/English); respond in
+whichever language they used.
+
+Generative UI — render tools:
+- When showing spending totals, cycle summaries, or category breakdowns →
+  call render_spending_summary. Source data: get_cycle_summary (by_source,
+  grand_total_crc) + get_analytics_by_category (by_category).
+- When showing transaction lists or other structured data →
+  call render_a2ui in a SEPARATE tool-call step, only after all data-fetching
+  calls have returned. NEVER call render_a2ui in the same batch as any other
+  tool.
+- Do NOT use markdown tables for data a render tool can display.
+- CRITICAL RULE: When you call a render tool (render_spending_summary or
+  render_a2ui), that tool call MUST be the ONLY content in your message.
+  Do NOT include any text content alongside the tool call — no introduction,
+  no list, no explanation, nothing. The rendered card IS the complete
+  response. Any text you write in the same message as a render call will
+  appear as a duplicate below the card, which is wrong.
+"""
+
+
+def build_agent() -> Agent:
+    client = OpenAIChatCompletionClient(
+        api_key=settings.OPENAI_API_KEY,
+        model=settings.AGENT_MODEL,
+    )
+    return Agent(
+        name="wealthysmart",
+        instructions=SYSTEM_PROMPT.replace("{today}", date.today().isoformat()),
+        client=client,
+        tools=TOOLS,
+    )

backend/app/agent/tools.py

@@ -0,0 +1,467 @@
+"""
+Read-only tools exposed to the MAF ChatAgent. Each tool is a thin wrapper
+around existing SQLModel queries / service helpers — they do NOT duplicate
+business logic. The active DB session is resolved via a ContextVar so tool
+signatures stay clean for the LLM.
+"""
+
+from __future__ import annotations
+
+import contextvars
+from datetime import datetime
+from typing import Annotated, Optional
+
+from pydantic import Field
+from sqlalchemy import case
+from sqlmodel import Session, col, func, select
+
+from app.models.models import (
+    Account,
+    BalanceOverride,
+    Category,
+    MunicipalReceipt,
+    PensionSnapshot,
+    RecurringItem,
+    Transaction,
+    TransactionSource,
+    TransactionType,
+    WaterMeterReading,
+)
+from app.services.budget_projection import (
+    compute_monthly_projection,
+    compute_yearly_projection_with_cumulative,
+    get_cycle_range,
+)
+from app.services.exchange_rate import (
+    get_converted_amount_expr,
+    get_current_rate,
+)
+
+_session_ctx: contextvars.ContextVar[Session] = contextvars.ContextVar("agent_session")
+
+
+def set_session(session: Session) -> contextvars.Token:
+    return _session_ctx.set(session)
+
+
+def reset_session(token: contextvars.Token) -> None:
+    _session_ctx.reset(token)
+
+
+def _s() -> Session:
+    return _session_ctx.get()
+
+
+# ─── Tools ──────────────────────────────────────────────────────────────────
+
+
+def get_accounts() -> list[dict]:
+    """List every account with current balance, currency, bank and type
+    (BANK, PENSION, CRYPTO, SAVINGS, LIABILITY). Use this for net-worth and
+    balance questions."""
+    rows = _s().exec(select(Account).order_by(Account.account_type, Account.label)).all()
+    return [
+        {
+            "id": a.id,
+            "bank": a.bank.value,
+            "label": a.label,
+            "currency": a.currency.value,
+            "balance": a.balance,
+            "account_type": a.account_type.value,
+            "next_payment": a.next_payment,
+        }
+        for a in rows
+    ]
+
+
+def get_net_worth() -> dict:
+    """Return total assets, liabilities and net worth in CRC (primary currency).
+    USD/EUR balances are converted at the latest exchange rate."""
+    accounts = _s().exec(select(Account)).all()
+    rate = get_current_rate(_s())
+    sell = rate.sell_rate if rate else 600.0
+    assets_crc = 0.0
+    liabilities_crc = 0.0
+    for a in accounts:
+        amt = a.balance
+        if a.currency.value == "USD":
+            amt = a.balance * sell
+        elif a.currency.value == "EUR":
+            amt = a.balance * sell * 1.08  # rough; real conversion is endpoint-side
+        if a.account_type.value == "LIABILITY":
+            liabilities_crc += amt
+        else:
+            assets_crc += amt
+    return {
+        "assets_crc": round(assets_crc, 2),
+        "liabilities_crc": round(liabilities_crc, 2),
+        "net_crc": round(assets_crc - liabilities_crc, 2),
+    }
+
+
+def get_recent_transactions(
+    limit: Annotated[int, Field(ge=1, le=100, description="How many rows to return")] = 20,
+    source: Annotated[
+        Optional[str],
+        Field(description="Filter by source: CREDIT_CARD, CASH, or TRANSFER"),
+    ] = None,
+    category_id: Annotated[Optional[int], Field(description="Filter by category id")] = None,
+    search: Annotated[
+        Optional[str], Field(description="Substring match against merchant name")
+    ] = None,
+    start_date: Annotated[
+        Optional[str], Field(description="ISO date lower bound, inclusive")
+    ] = None,
+    end_date: Annotated[
+        Optional[str], Field(description="ISO date upper bound, exclusive")
+    ] = None,
+) -> list[dict]:
+    """Recent transactions, newest first. Use filters to narrow down. For
+    billing-cycle scoped totals prefer get_cycle_summary."""
+    q = select(Transaction).where(
+        col(Transaction.transaction_type).notin_(
+            [TransactionType.SALARY, TransactionType.DEPOSITO]
+        )
+    )
+    if source:
+        q = q.where(Transaction.source == TransactionSource(source))
+    if category_id is not None:
+        q = q.where(Transaction.category_id == category_id)
+    if search:
+        q = q.where(col(Transaction.merchant).ilike(f"%{search}%"))
+    if start_date:
+        q = q.where(Transaction.date >= datetime.fromisoformat(start_date))
+    if end_date:
+        q = q.where(Transaction.date < datetime.fromisoformat(end_date))
+    q = q.order_by(col(Transaction.date).desc()).limit(limit)
+    return [
+        {
+            "id": t.id,
+            "date": t.date.isoformat(),
+            "merchant": t.merchant,
+            "amount": t.amount,
+            "currency": t.currency.value,
+            "source": t.source.value,
+            "transaction_type": t.transaction_type.value,
+            "bank": t.bank.value,
+            "category_id": t.category_id,
+        }
+        for t in _s().exec(q).all()
+    ]
+
+
+def get_cycle_summary(
+    cycle_year: Annotated[int, Field(description="Billing cycle year, e.g. 2026")],
+    cycle_month: Annotated[
+        int,
+        Field(ge=1, le=12, description="Billing cycle month (cycle runs 18th→18th)"),
+    ],
+) -> dict:
+    """Totals for a credit-card billing cycle (18th of month → 18th of next).
+    Returns spend by source, count, and spend by category."""
+    session = _s()
+    amount_crc = get_converted_amount_expr(session)
+    start, end = get_cycle_range(cycle_year, cycle_month)
+
+    totals = session.exec(
+        select(
+            Transaction.source,
+            func.count(),
+            func.coalesce(func.sum(amount_crc), 0),
+        )
+        .where(
+            Transaction.transaction_type == TransactionType.COMPRA,
+            Transaction.date >= start,
+            Transaction.date < end,
+        )
+        .group_by(Transaction.source)
+    ).all()
+
+    by_category = session.exec(
+        select(
+            Category.name,
+            func.coalesce(func.sum(amount_crc), 0),
+            func.count(),
+        )
+        .join(Category, Category.id == Transaction.category_id, isouter=True)
+        .where(
+            Transaction.transaction_type == TransactionType.COMPRA,
+            Transaction.date >= start,
+            Transaction.date < end,
+        )
+        .group_by(Category.name)
+        .order_by(func.sum(amount_crc).desc())
+    ).all()
+
+    return {
+        "cycle_year": cycle_year,
+        "cycle_month": cycle_month,
+        "range": [start.isoformat(), end.isoformat()],
+        "by_source": [
+            {"source": s.value, "count": c, "total_crc": float(t)}
+            for s, c, t in totals
+        ],
+        "by_category": [
+            {"category": n or "Uncategorized", "total_crc": float(t), "count": c}
+            for n, t, c in by_category
+        ],
+    }
+
+
+def get_budget_projection(
+    year: Annotated[int, Field(description="Year to project")],
+    month: Annotated[
+        Optional[int],
+        Field(ge=1, le=12, description="If given, return only that month's detail"),
+    ] = None,
+) -> dict:
+    """Budget projection. If month is omitted, returns the yearly rollup; if
+    given, returns the monthly detail with income items, expense items and
+    actuals by source."""
+    session = _s()
+    if month is None:
+        months_data = compute_yearly_projection_with_cumulative(session, year)
+        return {
+            "year": year,
+            "months": months_data,
+            "annual_income": sum(m["projected_income"] for m in months_data),
+            "annual_expenses": sum(m["gran_total_egresos"] for m in months_data),
+            "annual_net": sum(m["net_balance"] for m in months_data),
+        }
+    return compute_monthly_projection(session, year, month)
+
+
+def list_recurring_items() -> list[dict]:
+    """All recurring items (income and expense, SAVINGS excluded) used by the
+    budget projection. Useful to explain what's driving a month's projection."""
+    rows = _s().exec(
+        select(RecurringItem)
+        .where(RecurringItem.is_active == True)  # noqa: E712
+        .order_by(RecurringItem.item_type, RecurringItem.name)
+    ).all()
+    return [
+        {
+            "id": r.id,
+            "name": r.name,
+            "amount": r.amount,
+            "currency": r.currency.value,
+            "item_type": r.item_type.value,
+            "frequency": r.frequency.value,
+            "day_of_month": r.day_of_month,
+            "category_id": r.category_id,
+        }
+        for r in rows
+    ]
+
+
+def get_pension_snapshots(
+    fund: Annotated[
+        Optional[str],
+        Field(description="Filter by fund bank code (FCL, ROP, VOL, etc.)"),
+    ] = None,
+    latest_only: Annotated[
+        bool,
+        Field(description="If true, return only the latest snapshot per fund"),
+    ] = True,
+) -> list[dict]:
+    """Pension fund snapshots. Each snapshot covers a period with balances,
+    contributions, returns, fees and the ending balance (saldo_final)."""
+    q = select(PensionSnapshot).order_by(col(PensionSnapshot.period_end).desc())
+    if fund:
+        q = q.where(PensionSnapshot.fund == fund)
+    rows = _s().exec(q).all()
+    if latest_only:
+        seen: dict[str, PensionSnapshot] = {}
+        for r in rows:
+            if r.fund.value not in seen:
+                seen[r.fund.value] = r
+        rows = list(seen.values())
+    return [
+        {
+            "fund": r.fund.value,
+            "period_start": r.period_start.isoformat(),
+            "period_end": r.period_end.isoformat(),
+            "saldo_anterior": r.saldo_anterior,
+            "aportes": r.aportes,
+            "rendimientos": r.rendimientos,
+            "retiros": r.retiros,
+            "comision": r.comision,
+            "saldo_final": r.saldo_final,
+        }
+        for r in rows
+    ]
+
+
+def get_salary_summary() -> dict:
+    """Summary of salary deposits (count, total in CRC, latest date)."""
+    session = _s()
+    amount_crc = get_converted_amount_expr(session)
+    row = session.exec(
+        select(
+            func.count(),
+            func.coalesce(func.sum(amount_crc), 0),
+            func.max(Transaction.date),
+        ).where(Transaction.transaction_type == TransactionType.SALARY)
+    ).first()
+    count = row[0] if row else 0
+    total = float(row[1]) if row else 0.0
+    latest = row[2].isoformat() if row and row[2] else None
+    return {"count": count, "total_crc": total, "latest_date": latest}
+
+
+def get_municipal_receipts(
+    limit: Annotated[int, Field(ge=1, le=50)] = 12,
+    account: Annotated[
+        Optional[str], Field(description="Municipal account/contract id")
+    ] = None,
+) -> list[dict]:
+    """Recent municipal receipts (water + related services) with totals and
+    water consumption in m³."""
+    q = select(MunicipalReceipt).order_by(col(MunicipalReceipt.receipt_date).desc())
+    if account:
+        q = q.where(MunicipalReceipt.account == account)
+    q = q.limit(limit)
+    rows = _s().exec(q).all()
+    out: list[dict] = []
+    for r in rows:
+        readings = _s().exec(
+            select(WaterMeterReading).where(WaterMeterReading.receipt_id == r.id)
+        ).all()
+        out.append(
+            {
+                "id": r.id,
+                "receipt_date": r.receipt_date.isoformat(),
+                "period": r.period,
+                "account": r.account,
+                "finca": r.finca,
+                "subtotal": r.subtotal,
+                "interests": r.interests,
+                "iva": r.iva,
+                "total": r.total,
+                "water_consumption_m3": sum(w.consumption_m3 for w in readings),
+            }
+        )
+    return out
+
+
+def get_analytics_by_category(
+    cycle_year: Annotated[Optional[int], Field(description="Scope to a billing cycle")] = None,
+    cycle_month: Annotated[Optional[int], Field(ge=1, le=12)] = None,
+) -> list[dict]:
+    """Spending breakdown by category in CRC (optionally scoped to a billing
+    cycle). Percentages sum to 100."""
+    session = _s()
+    amount_crc = get_converted_amount_expr(session)
+    q = (
+        select(
+            Transaction.category_id,
+            func.sum(amount_crc).label("total"),
+            func.count().label("count"),
+        )
+        .where(Transaction.transaction_type == TransactionType.COMPRA)
+        .group_by(Transaction.category_id)
+    )
+    if cycle_year and cycle_month:
+        start, end = get_cycle_range(cycle_year, cycle_month)
+        q = q.where(Transaction.date >= start, Transaction.date < end)
+    rows = session.exec(q).all()
+    grand = sum(float(r[1]) for r in rows) or 1.0
+    out = []
+    for cat_id, total, count in rows:
+        name = "Uncategorized"
+        if cat_id:
+            cat = session.get(Category, cat_id)
+            if cat:
+                name = cat.name
+        out.append(
+            {
+                "category_id": cat_id,
+                "category": name,
+                "total_crc": float(total),
+                "count": count,
+                "percentage": round(float(total) / grand * 100, 1),
+            }
+        )
+    out.sort(key=lambda x: x["total_crc"], reverse=True)
+    return out
+
+
+def get_monthly_trend(
+    months: Annotated[int, Field(ge=1, le=24, description="How many months back")] = 6,
+) -> list[dict]:
+    """Spending trend by billing cycle for the last N months."""
+    session = _s()
+    amount_crc = get_converted_amount_expr(session)
+    now = datetime.now()
+    results: list[dict] = []
+    y, m = now.year, now.month
+    for _ in range(months):
+        start, end = get_cycle_range(y, m)
+        row = session.exec(
+            select(
+                func.count(),
+                func.coalesce(func.sum(amount_crc), 0),
+                func.coalesce(
+                    func.sum(
+                        case((Transaction.currency == "USD", Transaction.amount), else_=0)
+                    ),
+                    0,
+                ),
+            ).where(
+                Transaction.transaction_type == TransactionType.COMPRA,
+                Transaction.date >= start,
+                Transaction.date < end,
+            )
+        ).first()
+        results.append(
+            {
+                "year": y,
+                "month": m,
+                "total_crc": float(row[1]) if row else 0.0,
+                "total_usd_raw": float(row[2]) if row else 0.0,
+                "count": row[0] if row else 0,
+            }
+        )
+        if m == 1:
+            y, m = y - 1, 12
+        else:
+            m -= 1
+    return list(reversed(results))
+
+
+def get_exchange_rate() -> dict:
+    """Latest USD/CRC exchange rate (buy and sell). All multi-currency data
+    in the app is normalized to CRC using these rates."""
+    rate = get_current_rate(_s())
+    if not rate:
+        return {"buy_rate": None, "sell_rate": None, "date": None}
+    return {
+        "buy_rate": rate.buy_rate,
+        "sell_rate": rate.sell_rate,
+        "date": rate.date.isoformat(),
+    }
+
+
+def list_categories() -> list[dict]:
+    """All transaction categories (id, name, icon). Use when the user asks
+    about a category and you need the id to filter by."""
+    rows = _s().exec(select(Category).order_by(Category.name)).all()
+    return [{"id": c.id, "name": c.name, "icon": c.icon} for c in rows]
+
+
+# Registered with the agent in agent.py
+TOOLS = [
+    get_accounts,
+    get_net_worth,
+    get_recent_transactions,
+    get_cycle_summary,
+    get_budget_projection,
+    list_recurring_items,
+    get_pension_snapshots,
+    get_salary_summary,
+    get_municipal_receipts,
+    get_analytics_by_category,
+    get_monthly_trend,
+    get_exchange_rate,
+    list_categories,
+]

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

@@ -3,12 +3,14 @@ from typing import Optional
 
 from fastapi import APIRouter, Depends
 from pydantic import BaseModel
+from sqlalchemy import case
 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
-from app.api.v1.endpoints.transactions import get_cycle_range
+from app.services.budget_projection import get_cycle_range
+from app.services.exchange_rate import get_converted_amount_expr
 
 router = APIRouter(prefix="/analytics", tags=["analytics"])
 
@@ -43,10 +45,12 @@ def spending_by_category(
     session: Session = Depends(get_session),
     _user: str = Depends(get_current_user),
 ):
+    amount_crc = get_converted_amount_expr(session)
+
     query = (
         select(
             Transaction.category_id,
-            func.sum(Transaction.amount).label("total"),
+            func.sum(amount_crc).label("total"),
             func.count().label("count"),
         )
         .where(Transaction.transaction_type == "COMPRA")
@@ -87,7 +91,12 @@ def monthly_trend(
     session: Session = Depends(get_session),
     _user: str = Depends(get_current_user),
 ):
-    """Monthly spending totals using billing cycle boundaries (18th-18th)."""
+    """Monthly spending totals using billing cycle boundaries (18th-18th).
+
+    total_crc includes all currencies converted to CRC at current rates.
+    total_usd is the raw USD amount (unconverted) for display purposes.
+    """
+    amount_crc = get_converted_amount_expr(session)
     now = datetime.now()
     results = []
     month_names = [
@@ -102,18 +111,10 @@ def monthly_trend(
         row = session.exec(
             select(
                 func.count(),
+                func.coalesce(func.sum(amount_crc), 0),
                 func.coalesce(
                     func.sum(
-                        func.case(
-                            (Transaction.currency == "CRC", Transaction.amount),
-                            else_=0,
-                        )
-                    ),
-                    0,
-                ),
-                func.coalesce(
-                    func.sum(
-                        func.case(
+                        case(
                             (Transaction.currency == "USD", Transaction.amount),
                             else_=0,
                         )
@@ -162,10 +163,12 @@ def daily_spending(
     session: Session = Depends(get_session),
     _user: str = Depends(get_current_user),
 ):
+    amount_crc = get_converted_amount_expr(session)
+
     query = (
         select(
             func.date(Transaction.date).label("day"),
-            func.sum(Transaction.amount).label("total"),
+            func.sum(amount_crc).label("total"),
             func.count().label("count"),
         )
         .where(Transaction.transaction_type == "COMPRA")

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

@@ -1,8 +1,7 @@
-from fastapi import APIRouter, HTTPException, status
+from fastapi import APIRouter, Depends, HTTPException, status
 from fastapi.security import OAuth2PasswordRequestForm
-from fastapi import Depends
 
-from app.auth import create_access_token
+from app.auth import create_access_token, get_current_user, get_current_user_cookie_or_bearer
 from app.config import settings
 
 router = APIRouter(prefix="/auth", tags=["auth"])
@@ -20,3 +19,8 @@ def login(form_data: OAuth2PasswordRequestForm = Depends()):
         )
     token = create_access_token(form_data.username)
     return {"access_token": token, "token_type": "bearer"}
+
+
+@router.get("/me")
+def me(username: str = Depends(get_current_user_cookie_or_bearer)):
+    return {"username": username}

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

@@ -1,3 +1,4 @@
+from datetime import datetime
 from typing import Optional
 
 from fastapi import APIRouter, Depends, HTTPException, Path, Query
@@ -7,13 +8,23 @@ from sqlmodel import Session, select
 from app.auth import get_current_user
 from app.db import get_session
 from app.models.models import (
+    BalanceOverride,
+    BalanceOverrideCreate,
+    BalanceOverrideRead,
     RecurringItem,
     RecurringItemCreate,
     RecurringItemRead,
     RecurringItemType,
     RecurringItemUpdate,
 )
-from app.services.budget_projection import compute_monthly_projection
+from app.services.budget_projection import (
+    FRESH_START_MONTH,
+    FRESH_START_YEAR,
+    MAX_YEAR,
+    MIN_YEAR,
+    compute_monthly_projection,
+    compute_yearly_projection_with_cumulative,
+)
 
 router = APIRouter(prefix="/budget", tags=["budget"])
 
@@ -28,7 +39,9 @@ def list_recurring_items(
     session: Session = Depends(get_session),
     _user: str = Depends(get_current_user),
 ):
-    query = select(RecurringItem)
+    query = select(RecurringItem).where(
+        RecurringItem.item_type != RecurringItemType.SAVINGS
+    )
     if item_type:
         query = query.where(RecurringItem.item_type == item_type)
     if is_active is not None:
@@ -90,13 +103,15 @@ class MonthlyProjectionResponse(BaseModel):
     year: int
     projected_income: float
     projected_fixed_expenses: float
-    projected_savings: float
     actual_credit_card: float
     actual_cash: float
     actual_transfers: float
     uncovered_actual: float
     gran_total_egresos: float
     net_balance: float
+    carryover_balance: float = 0.0
+    cumulative_balance: float = 0.0
+    balance_overridden: bool = False
 
 
 class YearlyProjectionResponse(BaseModel):
@@ -104,7 +119,6 @@ class YearlyProjectionResponse(BaseModel):
     months: list[MonthlyProjectionResponse]
     annual_income: float
     annual_expenses: float
-    annual_savings: float
     annual_net: float
 
 
@@ -114,31 +128,37 @@ def get_yearly_projection(
     session: Session = Depends(get_session),
     _user: str = Depends(get_current_user),
 ):
+    if year < MIN_YEAR or year > MAX_YEAR:
+        raise HTTPException(
+            status_code=400,
+            detail=f"Year must be between {MIN_YEAR} and {MAX_YEAR}",
+        )
+
+    months_data = compute_yearly_projection_with_cumulative(session, year)
     months = []
     annual_income = 0.0
     annual_expenses = 0.0
-    annual_savings = 0.0
     annual_net = 0.0
 
-    for m in range(1, 13):
-        data = compute_monthly_projection(session, year, m)
+    for data in months_data:
         monthly = MonthlyProjectionResponse(
             month=data["month"],
             year=data["year"],
             projected_income=data["projected_income"],
             projected_fixed_expenses=data["projected_fixed_expenses"],
-            projected_savings=data["projected_savings"],
             actual_credit_card=data["actual_credit_card"],
             actual_cash=data["actual_cash"],
             actual_transfers=data["actual_transfers"],
             uncovered_actual=data["uncovered_actual"],
             gran_total_egresos=data["gran_total_egresos"],
             net_balance=data["net_balance"],
+            carryover_balance=data["carryover_balance"],
+            cumulative_balance=data["cumulative_balance"],
+            balance_overridden=data["balance_overridden"],
         )
         months.append(monthly)
         annual_income += data["projected_income"]
         annual_expenses += data["gran_total_egresos"]
-        annual_savings += data["projected_savings"]
         annual_net += data["net_balance"]
 
     return YearlyProjectionResponse(
@@ -146,7 +166,6 @@ def get_yearly_projection(
         months=months,
         annual_income=annual_income,
         annual_expenses=annual_expenses,
-        annual_savings=annual_savings,
         annual_net=annual_net,
     )
 
@@ -171,19 +190,23 @@ class ActualsBySource(BaseModel):
     count: int
 
 
+class CCCategorySpending(BaseModel):
+    category_name: str
+    amount: float
+
+
 class MonthlyDetailResponse(BaseModel):
     year: int
     month: int
     income_items: list[RecurringItemDetail]
     expense_items: list[RecurringItemDetail]
-    savings_items: list[RecurringItemDetail]
     actuals_by_source: list[ActualsBySource]
     total_projected_income: float
     total_projected_expenses: float
-    total_projected_savings: float
     uncovered_actual: float
     gran_total_egresos: float
     net_balance: float
+    cc_by_category: list[CCCategorySpending]
 
 
 @router.get("/month/{year}/{month}", response_model=MonthlyDetailResponse)
@@ -199,12 +222,71 @@ def get_monthly_detail(
         month=data["month"],
         income_items=[RecurringItemDetail(**i) for i in data["income_items"]],
         expense_items=[RecurringItemDetail(**i) for i in data["expense_items"]],
-        savings_items=[RecurringItemDetail(**i) for i in data["savings_items"]],
         actuals_by_source=[ActualsBySource(**a) for a in data["actuals_by_source"]],
         total_projected_income=data["projected_income"],
         total_projected_expenses=data["projected_fixed_expenses"],
-        total_projected_savings=data["projected_savings"],
         uncovered_actual=data["uncovered_actual"],
         gran_total_egresos=data["gran_total_egresos"],
         net_balance=data["net_balance"],
+        cc_by_category=[CCCategorySpending(**c) for c in data["cc_by_category"]],
     )
+
+
+# --- Balance Override CRUD ---
+
+
+@router.put(
+    "/balance-override/{year}/{month}",
+    response_model=BalanceOverrideRead,
+)
+def upsert_balance_override(
+    year: int,
+    month: int = Path(ge=1, le=12),
+    data: BalanceOverrideCreate = ...,
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    if year < MIN_YEAR or year > MAX_YEAR:
+        raise HTTPException(400, f"Year must be between {MIN_YEAR} and {MAX_YEAR}")
+    if year == FRESH_START_YEAR and month < FRESH_START_MONTH:
+        raise HTTPException(400, f"Cannot override before {FRESH_START_YEAR}-{FRESH_START_MONTH:02d}")
+
+    existing = session.exec(
+        select(BalanceOverride).where(
+            BalanceOverride.year == year, BalanceOverride.month == month
+        )
+    ).first()
+
+    if existing:
+        existing.override_balance = data.override_balance
+        existing.updated_at = datetime.utcnow()
+        session.add(existing)
+        session.commit()
+        session.refresh(existing)
+        return existing
+
+    override = BalanceOverride(
+        year=year, month=month, override_balance=data.override_balance
+    )
+    session.add(override)
+    session.commit()
+    session.refresh(override)
+    return override
+
+
+@router.delete("/balance-override/{year}/{month}", status_code=204)
+def delete_balance_override(
+    year: int,
+    month: int = Path(ge=1, le=12),
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    existing = session.exec(
+        select(BalanceOverride).where(
+            BalanceOverride.year == year, BalanceOverride.month == month
+        )
+    ).first()
+    if not existing:
+        raise HTTPException(404, "No override found for this month")
+    session.delete(existing)
+    session.commit()

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

@@ -0,0 +1,285 @@
+from datetime import datetime
+from dateutil.relativedelta import relativedelta
+from typing import Optional
+
+from fastapi import APIRouter, Depends, Query, UploadFile
+from pydantic import BaseModel
+from sqlmodel import Session, select
+
+from app.auth import get_current_user
+from app.db import get_session
+from app.models.models import (
+    Category,
+    Currency,
+    MunicipalReceipt,
+    MunicipalReceiptRead,
+    Transaction,
+    TransactionSource,
+    TransactionType,
+    WaterMeterReading,
+    WaterMeterReadingRead,
+)
+from app.services.municipal_receipt_pdf import extract_municipal_receipt
+
+router = APIRouter(prefix="/municipal-receipts", tags=["municipal-receipts"])
+
+
+# --- Response models ---
+
+
+class MunicipalReceiptDetailRead(MunicipalReceiptRead):
+    water_readings: list[WaterMeterReadingRead] = []
+
+
+class MunicipalReceiptUploadResult(BaseModel):
+    imported: int
+    updated: int
+    errors: list[str]
+    receipt: Optional[MunicipalReceiptRead] = None
+
+
+# --- Helpers ---
+
+
+def _auto_categorize(merchant: str, session: Session) -> Optional[int]:
+    categories = session.exec(select(Category)).all()
+    merchant_lower = merchant.lower()
+    for cat in categories:
+        if cat.auto_match_patterns:
+            patterns = [p.strip().lower() for p in cat.auto_match_patterns.split(",")]
+            if any(p in merchant_lower for p in patterns if p):
+                return cat.id
+    return None
+
+
+def _upsert_receipt(
+    session: Session, data: dict, filename: str
+) -> tuple[MunicipalReceipt, bool]:
+    """Insert or update a municipal receipt. Returns (row, is_new)."""
+    r = data["receipt"]
+    totals = data["totals"]
+    receipt_date_str = r["date"]
+    # The receipt is issued in month N but covers month N-1
+    receipt_dt = datetime.strptime(receipt_date_str, "%Y-%m-%d").date()
+    billing_month = receipt_dt - relativedelta(months=1)
+    period = billing_month.strftime("%Y-%m")
+
+    existing = session.exec(
+        select(MunicipalReceipt).where(
+            MunicipalReceipt.account == r["account"],
+            MunicipalReceipt.period == period,
+        )
+    ).first()
+
+    charges = [
+        {"detail": c["detail"], "amount": c.get("amount", 0)}
+        for c in data.get("charges", [])
+    ]
+
+    fields = dict(
+        receipt_date=datetime.strptime(receipt_date_str, "%Y-%m-%d").date(),
+        due_date=datetime.strptime(r["due_date"], "%Y-%m-%d").date(),
+        period=period,
+        account=r["account"],
+        finca=r.get("finca", ""),
+        holder_name=r.get("account_holder", {}).get("name", ""),
+        holder_cedula=r.get("account_holder", {}).get("cedula", ""),
+        holder_address=r.get("account_holder", {}).get("address", ""),
+        subtotal=totals.get("subtotal", 0),
+        interests=totals.get("interests", 0),
+        iva=totals.get("iva", 0),
+        total=totals.get("total", 0),
+        raw_charges=charges,
+        source_filename=filename,
+    )
+
+    if existing:
+        for k, v in fields.items():
+            setattr(existing, k, v)
+        session.add(existing)
+        # Delete old water readings for this receipt
+        old_readings = session.exec(
+            select(WaterMeterReading).where(
+                WaterMeterReading.receipt_id == existing.id
+            )
+        ).all()
+        for rd in old_readings:
+            session.delete(rd)
+        session.flush()
+        return existing, False
+
+    row = MunicipalReceipt(**fields)
+    session.add(row)
+    session.flush()
+    return row, True
+
+
+def _insert_water_readings(
+    session: Session, receipt: MunicipalReceipt, data: dict
+) -> None:
+    """Insert water meter readings (current + historical) for a receipt."""
+    # Current period readings
+    for wm in data.get("water_meters", []):
+        reading = WaterMeterReading(
+            receipt_id=receipt.id,
+            meter_id=str(wm["meter_id"]),
+            period=wm["period"],
+            reading_previous=wm.get("reading_previous", 0),
+            reading_current=wm.get("reading_current", 0),
+            consumption_m3=wm.get("consumption_m3", 0),
+            agua_potable=wm.get("agua_potable", 0),
+            serv_ambientales=wm.get("serv_ambientales", 0),
+            alcant_sanitario=wm.get("alcant_sanitario", 0),
+            iva=wm.get("iva", 0),
+            is_historical=False,
+        )
+        session.add(reading)
+
+    # Historical consumption entries
+    for hc in data.get("historical_consumption", []):
+        period = hc["period"]
+        meter_id = str(hc["meter_id"])
+        # Upsert: check if this historical entry already exists
+        existing = session.exec(
+            select(WaterMeterReading).where(
+                WaterMeterReading.meter_id == meter_id,
+                WaterMeterReading.period == period,
+                WaterMeterReading.is_historical == True,  # noqa: E712
+            )
+        ).first()
+        if existing:
+            existing.consumption_m3 = hc.get("consumption_m3", 0)
+            session.add(existing)
+        else:
+            session.add(
+                WaterMeterReading(
+                    receipt_id=receipt.id,
+                    meter_id=meter_id,
+                    period=period,
+                    consumption_m3=hc.get("consumption_m3", 0),
+                    is_historical=True,
+                )
+            )
+
+
+def _ensure_transaction(
+    session: Session, receipt: MunicipalReceipt
+) -> None:
+    """Create a budget Transaction for this receipt if one doesn't exist."""
+    reference = f"municipal-{receipt.account}-{receipt.period}"
+    existing = session.exec(
+        select(Transaction).where(Transaction.reference == reference)
+    ).first()
+    if existing:
+        # Update amount in case receipt was re-uploaded with corrections
+        existing.amount = receipt.total
+        session.add(existing)
+        return
+
+    category_id = _auto_categorize("municipalidad", session)
+    tx = Transaction(
+        amount=receipt.total,
+        currency=Currency.CRC,
+        merchant="Municipalidad de Belén",
+        date=datetime.combine(receipt.receipt_date, datetime.min.time()),
+        transaction_type=TransactionType.COMPRA,
+        source=TransactionSource.TRANSFER,
+        reference=reference,
+        category_id=category_id,
+        notes=f"Recibo municipal {receipt.period}",
+    )
+    session.add(tx)
+
+
+# --- Endpoints ---
+
+
+@router.post("/upload", response_model=MunicipalReceiptUploadResult)
+async def upload_municipal_receipt(
+    file: UploadFile,
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    filename = file.filename or "unknown.pdf"
+    errors: list[str] = []
+
+    try:
+        pdf_bytes = await file.read()
+        data = extract_municipal_receipt(pdf_bytes, filename)
+    except ValueError as e:
+        return MunicipalReceiptUploadResult(imported=0, updated=0, errors=[str(e)])
+    except Exception as e:
+        return MunicipalReceiptUploadResult(
+            imported=0, updated=0, errors=[f"{filename}: {e}"]
+        )
+
+    receipt, is_new = _upsert_receipt(session, data, filename)
+    _insert_water_readings(session, receipt, data)
+    _ensure_transaction(session, receipt)
+
+    session.commit()
+    session.refresh(receipt)
+
+    return MunicipalReceiptUploadResult(
+        imported=1 if is_new else 0,
+        updated=0 if is_new else 1,
+        errors=errors,
+        receipt=MunicipalReceiptRead.model_validate(receipt),
+    )
+
+
+@router.get("/", response_model=list[MunicipalReceiptRead])
+def list_receipts(
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    rows = session.exec(
+        select(MunicipalReceipt).order_by(
+            MunicipalReceipt.receipt_date.desc()  # type: ignore[union-attr]
+        )
+    ).all()
+    return rows
+
+
+@router.get("/water-consumption", response_model=list[WaterMeterReadingRead])
+def get_water_consumption(
+    months: int = Query(default=24, ge=1, le=120),
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    rows = session.exec(
+        select(WaterMeterReading)
+        .where(WaterMeterReading.is_historical == False)  # noqa: E712
+        .order_by(
+            WaterMeterReading.period.asc(),  # type: ignore[union-attr]
+            WaterMeterReading.meter_id.asc(),  # type: ignore[union-attr]
+        )
+        .limit(months * 3)  # up to 3 meters per month
+    ).all()
+    return rows
+
+
+@router.get("/{receipt_id}", response_model=MunicipalReceiptDetailRead)
+def get_receipt_detail(
+    receipt_id: int,
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    receipt = session.get(MunicipalReceipt, receipt_id)
+    if not receipt:
+        from fastapi import HTTPException
+
+        raise HTTPException(status_code=404, detail="Receipt not found")
+
+    readings = session.exec(
+        select(WaterMeterReading).where(
+            WaterMeterReading.receipt_id == receipt_id
+        )
+    ).all()
+
+    return MunicipalReceiptDetailRead(
+        **MunicipalReceiptRead.model_validate(receipt).model_dump(),
+        water_readings=[
+            WaterMeterReadingRead.model_validate(r) for r in readings
+        ],
+    )

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

@@ -1,3 +1,5 @@
+from datetime import date
+
 from fastapi import APIRouter, Depends, UploadFile
 from pydantic import BaseModel
 from sqlmodel import Session, select
@@ -12,11 +14,93 @@ router = APIRouter(prefix="/pensions", tags=["pensions"])
 
 class PensionUploadResult(BaseModel):
     imported: int
+    updated: int
     duplicates: int
     errors: list[str]
     snapshots: list[PensionSnapshotRead]
 
 
+class PensionManualEntry(BaseModel):
+    fund: str
+    period_start: date
+    period_end: date
+    saldo_anterior: float
+    aportes: float
+    rendimientos: float
+    retiros: float
+    traslados: float
+    comision: float
+    correccion: float = 0.0
+    bonificacion: float = 0.0
+    saldo_final: float
+
+
+class PensionManualRequest(BaseModel):
+    entries: list[PensionManualEntry]
+
+
+def _upsert_snapshot(
+    session: Session,
+    fund: str,
+    period_start: date,
+    period_end: date,
+    saldo_anterior: float,
+    aportes: float,
+    rendimientos: float,
+    retiros: float,
+    traslados: float,
+    comision: float,
+    correccion: float,
+    bonificacion: float,
+    saldo_final: float,
+    source_filename: str,
+    contract_number: str = "",
+) -> tuple[PensionSnapshot, bool]:
+    """Insert or update a pension snapshot. Returns (row, is_new)."""
+    existing = session.exec(
+        select(PensionSnapshot).where(
+            PensionSnapshot.fund == Bank(fund),
+            PensionSnapshot.period_start == period_start,
+            PensionSnapshot.period_end == period_end,
+        )
+    ).first()
+
+    if existing:
+        existing.saldo_anterior = saldo_anterior
+        existing.aportes = aportes
+        existing.rendimientos = rendimientos
+        existing.retiros = retiros
+        existing.traslados = traslados
+        existing.comision = comision
+        existing.correccion = correccion
+        existing.bonificacion = bonificacion
+        existing.saldo_final = saldo_final
+        existing.source_filename = source_filename
+        if contract_number:
+            existing.contract_number = contract_number
+        session.add(existing)
+        return existing, False
+
+    row = PensionSnapshot(
+        fund=Bank(fund),
+        contract_number=contract_number,
+        period_start=period_start,
+        period_end=period_end,
+        saldo_anterior=saldo_anterior,
+        aportes=aportes,
+        rendimientos=rendimientos,
+        retiros=retiros,
+        traslados=traslados,
+        comision=comision,
+        correccion=correccion,
+        bonificacion=bonificacion,
+        saldo_final=saldo_final,
+        source_filename=source_filename,
+    )
+    session.add(row)
+    return row, True
+
+
 @router.post("/upload", response_model=PensionUploadResult)
 async def upload_pension_pdfs(
     files: list[UploadFile],
@@ -24,9 +108,9 @@ async def upload_pension_pdfs(
     _user: str = Depends(get_current_user),
 ):
     imported = 0
-    duplicates = 0
+    updated = 0
     errors: list[str] = []
-    created: list[PensionSnapshot] = []
+    results: list[PensionSnapshot] = []
 
     for file in files:
         filename = file.filename or "unknown.pdf"
@@ -41,20 +125,9 @@ async def upload_pension_pdfs(
             continue
 
         for snap in fund_snapshots:
-            existing = session.exec(
-                select(PensionSnapshot).where(
-                    PensionSnapshot.fund == Bank(snap.fund),
-                    PensionSnapshot.period_start == snap.period_start,
-                    PensionSnapshot.period_end == snap.period_end,
-                )
-            ).first()
-            if existing:
-                duplicates += 1
-                continue
-
-            row = PensionSnapshot(
-                fund=Bank(snap.fund),
-                contract_number=snap.contract_number,
+            row, is_new = _upsert_snapshot(
+                session,
+                fund=snap.fund,
                 period_start=snap.period_start,
                 period_end=snap.period_end,
                 saldo_anterior=snap.saldo_anterior,
@@ -67,21 +140,72 @@ async def upload_pension_pdfs(
                 bonificacion=snap.bonificacion,
                 saldo_final=snap.saldo_final,
                 source_filename=filename,
+                contract_number=snap.contract_number,
             )
-            session.add(row)
-            created.append(row)
+            results.append(row)
+            if is_new:
                 imported += 1
+            else:
+                updated += 1
 
-    if imported > 0:
+    if imported > 0 or updated > 0:
         session.commit()
-        for row in created:
+        for row in results:
             session.refresh(row)
 
     return PensionUploadResult(
         imported=imported,
-        duplicates=duplicates,
+        updated=updated,
+        duplicates=0,
         errors=errors,
-        snapshots=[PensionSnapshotRead.model_validate(r) for r in created],
+        snapshots=[PensionSnapshotRead.model_validate(r) for r in results],
+    )
+
+
+@router.post("/manual", response_model=PensionUploadResult)
+def submit_manual_entries(
+    body: PensionManualRequest,
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    imported = 0
+    updated = 0
+    results: list[PensionSnapshot] = []
+
+    for entry in body.entries:
+        row, is_new = _upsert_snapshot(
+            session,
+            fund=entry.fund,
+            period_start=entry.period_start,
+            period_end=entry.period_end,
+            saldo_anterior=entry.saldo_anterior,
+            aportes=entry.aportes,
+            rendimientos=entry.rendimientos,
+            retiros=entry.retiros,
+            traslados=entry.traslados,
+            comision=entry.comision,
+            correccion=entry.correccion,
+            bonificacion=entry.bonificacion,
+            saldo_final=entry.saldo_final,
+            source_filename="manual-entry",
+        )
+        results.append(row)
+        if is_new:
+            imported += 1
+        else:
+            updated += 1
+
+    if imported > 0 or updated > 0:
+        session.commit()
+        for row in results:
+            session.refresh(row)
+
+    return PensionUploadResult(
+        imported=imported,
+        updated=updated,
+        duplicates=0,
+        errors=[],
+        snapshots=[PensionSnapshotRead.model_validate(r) for r in results],
     )
 
 

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

@@ -8,9 +8,12 @@ from sqlmodel import Session, col, func, select
 from app.auth import get_current_user
 from app.db import get_session
 from app.models.models import Transaction, TransactionRead, TransactionType
+from app.services.exchange_rate import get_converted_amount_expr
 
 router = APIRouter(prefix="/salarios", tags=["salarios"])
 
+SALARIO_TYPES = (TransactionType.SALARY, TransactionType.DEPOSITO)
+
 
 class SalariosSummary(BaseModel):
     count: int
@@ -27,7 +30,7 @@ def list_salarios(
 ):
     query = (
         select(Transaction)
-        .where(Transaction.transaction_type == TransactionType.DEPOSITO)
+        .where(col(Transaction.transaction_type).in_(SALARIO_TYPES))
         .order_by(col(Transaction.date).desc())
         .offset(offset)
         .limit(limit)
@@ -40,12 +43,13 @@ def salarios_summary(
     session: Session = Depends(get_session),
     _user: str = Depends(get_current_user),
 ):
+    amount_crc = get_converted_amount_expr(session)
     result = session.exec(
         select(
             func.count(),
-            func.coalesce(func.sum(Transaction.amount), 0),
+            func.coalesce(func.sum(amount_crc), 0),
             func.max(Transaction.date),
-        ).where(Transaction.transaction_type == TransactionType.DEPOSITO)
+        ).where(col(Transaction.transaction_type).in_(SALARIO_TYPES))
     ).first()
     return SalariosSummary(
         count=result[0] if result else 0,

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

@@ -0,0 +1,83 @@
+from datetime import datetime
+
+from fastapi import APIRouter, Depends, HTTPException, Path
+from sqlmodel import Session, col, select
+
+from app.auth import get_current_user
+from app.db import get_session
+from app.models.models import (
+    SavingsAccrual,
+    SavingsAccrualCreate,
+    SavingsAccrualRead,
+    SavingsAccrualUpdate,
+)
+
+router = APIRouter(prefix="/savings-accrual", tags=["savings-accrual"])
+
+
+@router.get("/", response_model=list[SavingsAccrualRead])
+def list_accruals(
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    query = select(SavingsAccrual).order_by(
+        col(SavingsAccrual.year).desc(), col(SavingsAccrual.month).desc()
+    )
+    return session.exec(query).all()
+
+
+@router.post("/", response_model=SavingsAccrualRead, status_code=201)
+def create_accrual(
+    data: SavingsAccrualCreate,
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    existing = session.exec(
+        select(SavingsAccrual).where(
+            SavingsAccrual.year == data.year,
+            SavingsAccrual.month == data.month,
+        )
+    ).first()
+    if existing:
+        raise HTTPException(
+            status_code=409,
+            detail=f"Accrual for {data.year}-{data.month:02d} already exists (id={existing.id})",
+        )
+    accrual = SavingsAccrual.model_validate(data)
+    accrual.applied_at = datetime.utcnow()
+    session.add(accrual)
+    session.commit()
+    session.refresh(accrual)
+    return accrual
+
+
+@router.patch("/{accrual_id}", response_model=SavingsAccrualRead)
+def update_accrual(
+    accrual_id: int,
+    data: SavingsAccrualUpdate,
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    accrual = session.get(SavingsAccrual, accrual_id)
+    if not accrual:
+        raise HTTPException(status_code=404, detail="Accrual not found")
+    update_data = data.model_dump(exclude_unset=True)
+    for key, value in update_data.items():
+        setattr(accrual, key, value)
+    session.add(accrual)
+    session.commit()
+    session.refresh(accrual)
+    return accrual
+
+
+@router.delete("/{accrual_id}", status_code=204)
+def delete_accrual(
+    accrual_id: int = Path(...),
+    session: Session = Depends(get_session),
+    _user: str = Depends(get_current_user),
+):
+    accrual = session.get(SavingsAccrual, accrual_id)
+    if not accrual:
+        raise HTTPException(status_code=404, detail="Accrual not found")
+    session.delete(accrual)
+    session.commit()

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

@@ -19,19 +19,12 @@ from app.models.models import (
     TransactionUpdate,
 )
 
+from app.services.budget_projection import get_cycle_range, get_previous_cycle
+from app.services.exchange_rate import get_converted_amount_expr
+
 router = APIRouter(prefix="/transactions", tags=["transactions"])
 
 
-def get_cycle_range(year: int, month: int) -> tuple[datetime, datetime]:
-    """Return (start, end) for billing cycle: month/18 to month+1/18."""
-    start = datetime(year, month, 18)
-    if month == 12:
-        end = datetime(year + 1, 1, 18)
-    else:
-        end = datetime(year, month + 1, 18)
-    return start, end
-
-
 class BillingCycle(BaseModel):
     year: int
     month: int
@@ -54,6 +47,7 @@ def auto_categorize(merchant: str, session: Session) -> Optional[int]:
 @router.get("/", response_model=list[TransactionRead])
 def list_transactions(
     source: Optional[TransactionSource] = None,
+    exclude_source: Optional[TransactionSource] = None,
     search: Optional[str] = None,
     category_id: Optional[int] = None,
     cycle_year: Optional[int] = None,
@@ -68,13 +62,32 @@ def list_transactions(
     query = select(Transaction)
     if source:
         query = query.where(Transaction.source == source)
+    if exclude_source:
+        query = query.where(Transaction.source != exclude_source)
     if category_id:
         query = query.where(Transaction.category_id == category_id)
     if search:
         query = query.where(col(Transaction.merchant).ilike(f"%{search}%"))
     if cycle_year and cycle_month:
         start, end = get_cycle_range(cycle_year, cycle_month)
-        query = query.where(Transaction.date >= start, Transaction.date < end)
+        prev_y, prev_m = get_previous_cycle(cycle_year, cycle_month)
+        prev_start, prev_end = get_cycle_range(prev_y, prev_m)
+        # Normal transactions in this cycle (not deferred) + deferred from previous cycle
+        from sqlalchemy import or_, and_
+        query = query.where(
+            or_(
+                and_(
+                    Transaction.date >= start,
+                    Transaction.date < end,
+                    Transaction.deferred_to_next_cycle == False,  # noqa: E712
+                ),
+                and_(
+                    Transaction.date >= prev_start,
+                    Transaction.date < prev_end,
+                    Transaction.deferred_to_next_cycle == True,  # noqa: E712
+                ),
+            )
+        )
     elif start_date and end_date:
         query = query.where(
             Transaction.date >= datetime.fromisoformat(start_date),
@@ -98,6 +111,7 @@ def list_billing_cycles(
         return []
 
     min_date, max_date = result
+    amount_crc = get_converted_amount_expr(session)
 
     cycles = []
     # Determine which cycle the min_date falls into
@@ -117,7 +131,7 @@ def list_billing_cycles(
 
         # Count transactions in this cycle
         count_result = session.exec(
-            select(func.count(), func.coalesce(func.sum(Transaction.amount), 0)).where(
+            select(func.count(), func.coalesce(func.sum(amount_crc), 0)).where(
                 Transaction.date >= start, Transaction.date < end
             )
         ).first()
@@ -182,16 +196,23 @@ def create_transaction(
     session.refresh(tx)
 
     # Send push notification
-    symbol = "₡" if tx.currency == Currency.CRC else tx.currency.value
+    symbols = {Currency.CRC: "₡", Currency.USD: "$", Currency.EUR: "€"}
+    symbol = symbols.get(tx.currency, tx.currency.value)
     amount_str = f"{symbol}{tx.amount:,.0f}" if tx.currency == Currency.CRC else f"{symbol}{tx.amount:,.2f}"
-    is_deposit = tx.transaction_type == TransactionType.DEPOSITO
+    is_income = tx.transaction_type in (TransactionType.DEPOSITO, TransactionType.SALARY)
+    is_salary = tx.transaction_type == TransactionType.SALARY
+    label = "salario" if is_salary else ("depósito" if is_income else tx.transaction_type.value.lower())
     send_push_to_all(
         session,
-        title=f"{'🏦' if is_deposit else '💳'} {tx.merchant}",
-        body=f"{amount_str} — {tx.bank.value} {'depósito' if is_deposit else tx.transaction_type.value.lower()}",
-        url="/salarios" if is_deposit else "/budget",
+        title=f"{'🏦' if is_income else '💳'} {tx.merchant}",
+        body=f"{amount_str} — {tx.bank.value} {label}",
+        url="/salarios" if is_income else "/budget",
     )
 
+    if is_salary:
+        from app.services.savings_accrual import maybe_apply_monthly_savings
+        maybe_apply_monthly_savings(session, tx)
+
     return tx
 
 

backend/app/api/v1/router.py

@@ -8,9 +8,11 @@ from app.api.v1.endpoints import (
     categories,
     exchange_rate,
     import_transactions,
+    municipal_receipts,
     notifications,
     pensions,
     salarios,
+    savings_accrual,
     settings,
     tokens,
     transactions,
@@ -30,3 +32,5 @@ api_router.include_router(budget.router)
 api_router.include_router(notifications.router)
 api_router.include_router(salarios.router)
 api_router.include_router(pensions.router)
+api_router.include_router(municipal_receipts.router)
+api_router.include_router(savings_accrual.router)

backend/app/auth.py

@@ -1,7 +1,9 @@
 import hashlib
+import re
 from datetime import datetime, timedelta
+from typing import Optional
 
-from fastapi import Depends, HTTPException, status
+from fastapi import Cookie, Depends, Header, HTTPException, status
 from fastapi.security import OAuth2PasswordBearer
 from jose import JWTError, jwt
 from sqlmodel import Session, select
@@ -22,8 +24,8 @@ def hash_token(token: str) -> str:
     return hashlib.sha256(token.encode()).hexdigest()
 
 
-def get_current_user(token: str = Depends(oauth2_scheme)) -> str:
-    # Try JWT first
+def _validate_token(token: str) -> str:
+    """Validate JWT and return subject, or raise 401."""
     try:
         payload = jwt.decode(token, settings.SECRET_KEY, algorithms=[ALGORITHM])
         username: str = payload.get("sub")
@@ -51,3 +53,26 @@ def get_current_user(token: str = Depends(oauth2_scheme)) -> str:
             return f"api:{api_token.name}"
 
     raise HTTPException(status_code=status.HTTP_401_UNAUTHORIZED)
+
+
+def get_current_user_cookie_or_bearer(
+    authorization: Optional[str] = Header(default=None),
+    ws_token: Optional[str] = Cookie(default=None),
+) -> str:
+    """Accepts httpOnly cookie (SPA) or Bearer token (API clients / n8n)."""
+    token: Optional[str] = None
+    if authorization and authorization.lower().startswith("bearer "):
+        token = authorization.split(" ", 1)[1].strip()
+    elif ws_token:
+        token = ws_token
+    if not token:
+        raise HTTPException(status_code=status.HTTP_401_UNAUTHORIZED)
+    return _validate_token(token)
+
+
+def get_current_user(
+    authorization: Optional[str] = Header(default=None),
+    ws_token: Optional[str] = Cookie(default=None),
+) -> str:
+    """SPA cookie or Bearer token. Single dependency for all v1 endpoints."""
+    return get_current_user_cookie_or_bearer(authorization, ws_token)

backend/app/config.py

@@ -12,6 +12,8 @@ class Settings(BaseSettings):
     VAPID_PRIVATE_KEY: str = ""
     VAPID_PUBLIC_KEY: str = ""
     VAPID_CLAIM_EMAIL: str = "mailto:admin@wealth.cescalante.dev"
+    OPENAI_API_KEY: str = ""
+    AGENT_MODEL: str = "gpt-5.4-mini"
 
     class Config:
         env_file = ".env"

backend/app/db.py

@@ -1,3 +1,4 @@
+from sqlalchemy import text
 from sqlmodel import SQLModel, Session, create_engine
 
 from app.config import settings
@@ -9,6 +10,72 @@ def init_db():
     SQLModel.metadata.create_all(engine)
 
 
+def run_migrations():
+    """Run idempotent schema migrations for columns added after initial create."""
+    with engine.connect() as conn:
+        try:
+            conn.execute(
+                text(
+                    "ALTER TABLE transaction ADD COLUMN IF NOT EXISTS deferred_to_next_cycle BOOLEAN NOT NULL DEFAULT false"
+                )
+            )
+            conn.commit()
+        except Exception:
+            conn.rollback()
+
+        try:
+            conn.execute(text("ALTER TYPE currency ADD VALUE IF NOT EXISTS 'EUR'"))
+            conn.commit()
+        except Exception:
+            conn.rollback()
+
+        try:
+            conn.execute(
+                text("ALTER TYPE transactiontype ADD VALUE IF NOT EXISTS 'SALARY'")
+            )
+            conn.commit()
+        except Exception:
+            conn.rollback()
+
+        try:
+            conn.execute(
+                text(
+                    """
+                    CREATE TABLE IF NOT EXISTS savingsaccrual (
+                        id SERIAL PRIMARY KEY,
+                        year INTEGER NOT NULL,
+                        month INTEGER NOT NULL,
+                        memp_amount DOUBLE PRECISION NOT NULL DEFAULT 200000,
+                        mpat_amount DOUBLE PRECISION NOT NULL DEFAULT 200000,
+                        trigger_transaction_id INTEGER,
+                        applied_at TIMESTAMP NOT NULL DEFAULT NOW(),
+                        notes TEXT,
+                        CONSTRAINT savingsaccrual_year_month_key UNIQUE (year, month)
+                    )
+                    """
+                )
+            )
+            conn.commit()
+        except Exception:
+            conn.rollback()
+
+        try:
+            conn.execute(
+                text(
+                    """
+                    INSERT INTO savingsaccrual (year, month, memp_amount, mpat_amount, notes)
+                    VALUES
+                      (2026, 2, 200000, 200000, 'Seeded: historical baseline'),
+                      (2026, 3, 200000, 200000, 'Seeded: historical baseline')
+                    ON CONFLICT (year, month) DO NOTHING
+                    """
+                )
+            )
+            conn.commit()
+        except Exception:
+            conn.rollback()
+
+
 def get_session():
     with Session(engine) as session:
         yield session

backend/app/main.py

@@ -1,19 +1,77 @@
+import asyncio
+import json
+import re
+import uuid
 from contextlib import asynccontextmanager
 
-from fastapi import FastAPI
+from agent_framework_ag_ui import add_agent_framework_fastapi_endpoint
+from fastapi import FastAPI, HTTPException, Request, Response, status
 from fastapi.middleware.cors import CORSMiddleware
+from jose import JWTError, jwt
+from pydantic import BaseModel
 
+from app.agent.agent import build_agent
+from app.agent.tools import reset_session, set_session
 from app.api.v1.router import api_router
+from app.auth import ALGORITHM, create_access_token
 from app.config import settings
-from app.db import init_db
+from app.db import get_session, init_db, run_migrations
 from app.seed import seed_db
+from app.services.exchange_rate import refresh_rates_periodically
+
+
+AGENT_PATH = "/api/v1/agent/agui"
+
+
+def _pair_orphan_tool_calls(messages: list) -> list:
+    """Inject synthetic tool responses for any assistant tool_calls that have
+    no matching tool message.  OpenAI rejects histories where a tool_calls
+    entry is not immediately followed by the corresponding tool response."""
+    out: list = []
+    pending: list[str] = []
+
+    def flush():
+        for call_id in pending:
+            out.append({"role": "tool", "tool_call_id": call_id, "content": ""})
+        pending.clear()
+
+    for msg in messages:
+        role = msg.get("role", "")
+        if role == "tool":
+            call_id = msg.get("tool_call_id") or msg.get("toolCallId")
+            if call_id and call_id in pending:
+                pending.remove(call_id)
+            out.append(msg)
+            continue
+        if role == "assistant":
+            flush()
+            out.append(msg)
+            for tc in msg.get("tool_calls") or msg.get("toolCalls") or []:
+                tc_id = tc.get("id") if isinstance(tc, dict) else None
+                if tc_id:
+                    pending.append(tc_id)
+            continue
+        flush()
+        out.append(msg)
+
+    flush()
+    return out
 
 
 @asynccontextmanager
 async def lifespan(app: FastAPI):
     init_db()
+    run_migrations()
     seed_db()
+    rate_refresh_task = asyncio.create_task(refresh_rates_periodically())
+    try:
         yield
+    finally:
+        rate_refresh_task.cancel()
+        try:
+            await rate_refresh_task
+        except asyncio.CancelledError:
+            pass
 
 
 app = FastAPI(title="WealthySmart API", version="0.1.0", lifespan=lifespan)
@@ -26,9 +84,106 @@ app.add_middleware(
     allow_headers=["*"],
 )
 
+
+@app.middleware("http")
+async def agent_auth_and_session(request: Request, call_next):
+    """For the AG-UI route, validate the JWT, repair message history, and
+    bind a DB session to a ContextVar so agent tools can query without going
+    through Depends."""
+    if not request.url.path.startswith(AGENT_PATH):
+        return await call_next(request)
+
+    if request.method == "OPTIONS":
+        return await call_next(request)
+
+    auth_header = request.headers.get("authorization", "")
+    token: str | None = None
+    if auth_header.lower().startswith("bearer "):
+        token = auth_header.split(" ", 1)[1].strip()
+    else:
+        cookie_header = request.headers.get("cookie", "")
+        m = re.search(r"(?:^|;\s*)ws_token=([^;]+)", cookie_header)
+        if m:
+            token = m.group(1)
+
+    if not token:
+        return Response(status_code=401, content="Missing auth")
+    try:
+        payload = jwt.decode(token, settings.SECRET_KEY, algorithms=[ALGORITHM])
+        if not payload.get("sub"):
+            return Response(status_code=401, content="Invalid token")
+    except JWTError:
+        return Response(status_code=401, content="Invalid token")
+
+    # Repair orphan tool_calls before the MAF agent sees the message history.
+    if request.method == "POST" and "application/json" in request.headers.get("content-type", ""):
+        raw = await request.body()
+        try:
+            body = json.loads(raw)
+            if isinstance(body.get("messages"), list):
+                body["messages"] = _pair_orphan_tool_calls(body["messages"])
+                raw = json.dumps(body).encode()
+        except Exception:
+            pass
+        # Starlette caches the body; replace it so call_next sees the fixed bytes.
+        request._body = raw  # type: ignore[attr-defined]
+
+    session_gen = get_session()
+    session = next(session_gen)
+    token_var = set_session(session)
+    try:
+        return await call_next(request)
+    finally:
+        reset_session(token_var)
+        try:
+            next(session_gen)
+        except StopIteration:
+            pass
+
+
+# Register app routes
 app.include_router(api_router)
 
+# Mount the AG-UI agent endpoint.
+add_agent_framework_fastapi_endpoint(app, build_agent(), AGENT_PATH)
+
 
 @app.get("/")
 def root():
     return {"app": "WealthySmart", "version": "0.1.0"}
+
+
+# ── Cookie-based auth endpoints (used by the Vite SPA) ──────────────────────
+
+class LoginRequest(BaseModel):
+    username: str
+    password: str
+
+
+@app.post("/api/auth/login")
+def cookie_login(body: LoginRequest, response: Response):
+    if (
+        body.username != settings.ADMIN_USERNAME
+        or body.password != settings.ADMIN_PASSWORD
+    ):
+        raise HTTPException(status_code=status.HTTP_401_UNAUTHORIZED, detail="Invalid credentials")
+    token = create_access_token(body.username)
+    response.set_cookie(
+        key="ws_token",
+        value=token,
+        httponly=True,
+        samesite="lax",
+        max_age=settings.ACCESS_TOKEN_EXPIRE_MINUTES * 60,
+        secure=False,  # set True behind TLS in production via nginx
+    )
+    return {"ok": True}
+
+
+@app.post("/api/auth/logout", status_code=204)
+def cookie_logout(response: Response):
+    response.delete_cookie("ws_token")
+
+
+@app.get("/api/health")
+def health():
+    return {"ok": True}

backend/app/models/models.py

@@ -24,6 +24,7 @@ class TransactionType(str, enum.Enum):
     COMPRA = "COMPRA"
     DEVOLUCION = "DEVOLUCION"
     DEPOSITO = "DEPOSITO"
+    SALARY = "SALARY"
 
 
 class TransactionSource(str, enum.Enum):
@@ -35,6 +36,7 @@ class TransactionSource(str, enum.Enum):
 class Currency(str, enum.Enum):
     CRC = "CRC"
     USD = "USD"
+    EUR = "EUR"
     BTC = "BTC"
     XMR = "XMR"
 
@@ -140,6 +142,7 @@ class TransactionBase(SQLModel):
     bank: Bank = Bank.BAC
     notes: Optional[str] = None
     category_id: Optional[int] = Field(default=None, foreign_key="category.id")
+    deferred_to_next_cycle: bool = Field(default=False)
 
 
 class Transaction(TransactionBase, table=True):
@@ -168,6 +171,7 @@ class TransactionUpdate(SQLModel):
     source: Optional[TransactionSource] = None
     notes: Optional[str] = None
     category_id: Optional[int] = None
+    deferred_to_next_cycle: Optional[bool] = None
 
 
 # --- Exchange Rate ---
@@ -333,3 +337,133 @@ class PensionSnapshot(PensionSnapshotBase, table=True):
 class PensionSnapshotRead(PensionSnapshotBase):
     id: int
     created_at: datetime
+
+
+# --- Balance Override ---
+
+
+class BalanceOverride(SQLModel, table=True):
+    __table_args__ = (UniqueConstraint("year", "month"),)
+    id: Optional[int] = Field(default=None, primary_key=True)
+    year: int
+    month: int
+    override_balance: float
+    created_at: datetime = Field(default_factory=datetime.utcnow)
+    updated_at: datetime = Field(default_factory=datetime.utcnow)
+
+
+class BalanceOverrideCreate(SQLModel):
+    override_balance: float
+
+
+class BalanceOverrideRead(SQLModel):
+    id: int
+    year: int
+    month: int
+    override_balance: float
+    updated_at: datetime
+
+
+# --- Savings Accrual ---
+
+
+class SavingsAccrualBase(SQLModel):
+    year: int
+    month: int
+    memp_amount: float = 200000.0
+    mpat_amount: float = 200000.0
+    trigger_transaction_id: Optional[int] = None
+    notes: Optional[str] = None
+
+
+class SavingsAccrual(SavingsAccrualBase, table=True):
+    __table_args__ = (UniqueConstraint("year", "month"),)
+    id: Optional[int] = Field(default=None, primary_key=True)
+    applied_at: datetime = Field(default_factory=datetime.utcnow)
+
+
+class SavingsAccrualCreate(SavingsAccrualBase):
+    pass
+
+
+class SavingsAccrualRead(SavingsAccrualBase):
+    id: int
+    applied_at: datetime
+
+
+class SavingsAccrualUpdate(SQLModel):
+    memp_amount: Optional[float] = None
+    mpat_amount: Optional[float] = None
+    notes: Optional[str] = None
+
+
+# --- Municipal Receipt ---
+
+
+class MunicipalReceiptBase(SQLModel):
+    receipt_date: date
+    due_date: date
+    period: str  # "YYYY-MM"
+    account: str
+    finca: str
+    holder_name: str
+    holder_cedula: str
+    holder_address: str
+    subtotal: float
+    interests: float
+    iva: float
+    total: float
+    raw_charges: list[dict] = Field(
+        default_factory=list,
+        sa_column=Column(JSON, nullable=False, server_default="[]"),
+    )
+    source_filename: str
+
+
+class MunicipalReceipt(MunicipalReceiptBase, table=True):
+    __table_args__ = (UniqueConstraint("account", "period"),)
+    id: Optional[int] = Field(default=None, primary_key=True)
+    created_at: datetime = Field(default_factory=datetime.utcnow)
+    water_readings: list["WaterMeterReading"] = Relationship(
+        back_populates="receipt",
+    )
+
+
+class MunicipalReceiptCreate(MunicipalReceiptBase):
+    pass
+
+
+class MunicipalReceiptRead(MunicipalReceiptBase):
+    id: int
+    created_at: datetime
+
+
+# --- Water Meter Reading ---
+
+
+class WaterMeterReadingBase(SQLModel):
+    meter_id: str
+    period: str  # "YYYY-MM"
+    reading_previous: float = 0
+    reading_current: float = 0
+    consumption_m3: float
+    agua_potable: float = 0
+    serv_ambientales: float = 0
+    alcant_sanitario: float = 0
+    iva: float = 0
+    is_historical: bool = False
+    receipt_id: Optional[int] = Field(default=None, foreign_key="municipalreceipt.id")
+
+
+class WaterMeterReading(WaterMeterReadingBase, table=True):
+    __table_args__ = (UniqueConstraint("meter_id", "period", "is_historical"),)
+    id: Optional[int] = Field(default=None, primary_key=True)
+    created_at: datetime = Field(default_factory=datetime.utcnow)
+    receipt: Optional[MunicipalReceipt] = Relationship(
+        back_populates="water_readings",
+    )
+
+
+class WaterMeterReadingRead(WaterMeterReadingBase):
+    id: int
+    created_at: datetime

backend/app/seed.py

@@ -17,7 +17,7 @@ DEFAULT_CATEGORIES = [
     ("Food & Delivery", "utensils", "uber eats,rappi,mcdonalds,subway,pizza,restaurant,soda,cafe,coyote ugly,el rodeo,steak house"),
     ("Utilities", "zap", "c.n.f.l,cnfl,ice,aya,claro cr telecomunicaciones"),
     ("Transportation", "car", "gasolina,gasolinera,uber rides,didi,parqueo,parking,peaje,estacion de servicio,estac.de serv"),
-    ("Shopping", "shopping-bag", "amazon,ebay,ticotek,construplaza,epa,novex,novedades chayfer,total imports,tiendalaliga,gnc live well"),
+    ("Shopping", "shopping-bag", "amazon,ebay,construplaza,epa,novex,novedades chayfer,total imports,tiendalaliga,gnc live well"),
     ("Entertainment", "film", "netflix,disney,cine,steam,playstation,blizzard,diablo"),
     ("Health", "heart-pulse", "farmacia,hospital,clinica,laboratorio,optica,medicina regenerativa,neumi,doer fitness,kettlebell,lacrosse"),
     ("Education", "graduation-cap", "universidad,udemy,coursera,libro"),
@@ -27,6 +27,7 @@ DEFAULT_CATEGORIES = [
     ("Telecom", "phone", "liberty,tigo,kolbi"),
     ("Parking & Fees", "circle-parking", "centro comercial curridabat,debito compass,cobro administr,compass"),
     ("Auto", "car-front", "auto lavado,lavado"),
+    ("Electronics", "cpu", "extremetechcr,extreme tech,ticotek,ishop,gollo,radioshack"),
     ("Lab & Medical", "microscope", "laboratorio echandi"),
     ("Other", "tag", ""),
 ]
@@ -43,9 +44,6 @@ DEFAULT_ACCOUNTS = [
     (Bank.FCL, Currency.CRC, "FCL", AccountType.PENSION),
     (Bank.ROP, Currency.CRC, "ROP", AccountType.PENSION),
     (Bank.VOL, Currency.CRC, "VOL", AccountType.PENSION),
-    # Savings (CRC)
-    (Bank.MEMP, Currency.CRC, "MEMP", AccountType.SAVINGS),
-    (Bank.MPAT, Currency.CRC, "MPAT", AccountType.SAVINGS),
     # Liabilities
     (Bank.MORTGAGE, Currency.USD, "Mortgage", AccountType.LIABILITY),
     # Crypto
@@ -173,21 +171,6 @@ DEFAULT_RECURRING_ITEMS = [
         "month_of_year": 1,
         "notes": "Car insurance every 6 months (Jan, Jul)",
     },
-    # Savings
-    {
-        "name": "Ahorro MEMP",
-        "amount": 200000,
-        "item_type": RecurringItemType.SAVINGS,
-        "frequency": RecurringFrequency.MONTHLY,
-        "notes": "Monthly savings to MEMP account",
-    },
-    {
-        "name": "Ahorro MPAT",
-        "amount": 200000,
-        "item_type": RecurringItemType.SAVINGS,
-        "frequency": RecurringFrequency.MONTHLY,
-        "notes": "Monthly savings to MPAT account",
-    },
 ]
 
 

backend/app/services/budget_projection.py

@@ -1,9 +1,10 @@
 import calendar
 from datetime import datetime
 
-from sqlmodel import Session, func, select
+from sqlmodel import Session, col, func, select
 
 from app.models.models import (
+    BalanceOverride,
     RecurringFrequency,
     RecurringItem,
     RecurringItemType,
@@ -11,6 +12,16 @@ from app.models.models import (
     TransactionSource,
     TransactionType,
 )
+from app.services.exchange_rate import get_converted_amount_expr
+
+MIN_YEAR = 2026
+MAX_YEAR = 2030
+# Fresh start: months before this are zeroed out
+FRESH_START_YEAR = 2026
+FRESH_START_MONTH = 3
+
+# Income-like transaction types that should never be counted as expenses
+INCOME_TYPES = (TransactionType.DEPOSITO, TransactionType.SALARY)
 
 
 def get_effective_amount(item: RecurringItem, month: int, year: int) -> float | None:
@@ -64,36 +75,138 @@ def get_month_range(year: int, month: int) -> tuple[datetime, datetime]:
     return start, end
 
 
+def get_cycle_range(year: int, month: int) -> tuple[datetime, datetime]:
+    """Return (start, end) for billing cycle: month/18 to month+1/18."""
+    start = datetime(year, month, 18)
+    if month == 12:
+        end = datetime(year + 1, 1, 18)
+    else:
+        end = datetime(year, month + 1, 18)
+    return start, end
+
+
+def get_previous_cycle(year: int, month: int) -> tuple[int, int]:
+    """Return (year, month) for the billing cycle preceding the given one."""
+    if month == 1:
+        return year - 1, 12
+    return year, month - 1
+
+
 def compute_actuals_by_source(
     session: Session, year: int, month: int
 ) -> dict[str, dict]:
-    """Query actual transaction totals for a calendar month, grouped by source."""
-    start, end = get_month_range(year, month)
+    """Query actual transaction totals grouped by source.
+
+    Credit card uses billing cycle (18th-18th) with deferred logic.
+    Cash/Transfer use calendar month (1st-1st).
+    """
+    # CC billing cycle for budget month M is the cycle that *ends* around the 18th of M
+    # i.e. cycle (M-1): from (M-1)/18 to M/18, paid with month M salary
+    cc_cycle_y, cc_cycle_m = get_previous_cycle(year, month)
+    cc_start, cc_end = get_cycle_range(cc_cycle_y, cc_cycle_m)
+    prev_cc_y, prev_cc_m = get_previous_cycle(cc_cycle_y, cc_cycle_m)
+    prev_start, prev_end = get_cycle_range(prev_cc_y, prev_cc_m)
+    cal_start, cal_end = get_month_range(year, month)
+
+    amount_crc = get_converted_amount_expr(session)
 
     results = {}
     for source in TransactionSource:
-        compra = session.exec(
-            select(func.coalesce(func.sum(Transaction.amount), 0)).where(
+        if source == TransactionSource.CREDIT_CARD:
+            start, end = cc_start, cc_end
+            # Normal transactions in this cycle (not deferred)
+            compra_normal = session.exec(
+                select(func.coalesce(func.sum(amount_crc), 0)).where(
                     Transaction.date >= start,
                     Transaction.date < end,
                     Transaction.source == source,
                     Transaction.transaction_type == TransactionType.COMPRA,
+                    Transaction.deferred_to_next_cycle == False,  # noqa: E712
+                )
+            ).one()
+            # Deferred from previous cycle
+            compra_deferred = session.exec(
+                select(func.coalesce(func.sum(amount_crc), 0)).where(
+                    Transaction.date >= prev_start,
+                    Transaction.date < prev_end,
+                    Transaction.source == source,
+                    Transaction.transaction_type == TransactionType.COMPRA,
+                    Transaction.deferred_to_next_cycle == True,  # noqa: E712
+                )
+            ).one()
+            compra = float(compra_normal) + float(compra_deferred)
+
+            dev_normal = session.exec(
+                select(func.coalesce(func.sum(amount_crc), 0)).where(
+                    Transaction.date >= start,
+                    Transaction.date < end,
+                    Transaction.source == source,
+                    Transaction.transaction_type == TransactionType.DEVOLUCION,
+                    Transaction.deferred_to_next_cycle == False,  # noqa: E712
+                )
+            ).one()
+            dev_deferred = session.exec(
+                select(func.coalesce(func.sum(amount_crc), 0)).where(
+                    Transaction.date >= prev_start,
+                    Transaction.date < prev_end,
+                    Transaction.source == source,
+                    Transaction.transaction_type == TransactionType.DEVOLUCION,
+                    Transaction.deferred_to_next_cycle == True,  # noqa: E712
+                )
+            ).one()
+            devolucion = float(dev_normal) + float(dev_deferred)
+
+            count_normal = session.exec(
+                select(func.count()).where(
+                    Transaction.date >= start,
+                    Transaction.date < end,
+                    Transaction.source == source,
+                    col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                    Transaction.deferred_to_next_cycle == False,  # noqa: E712
+                )
+            ).one()
+            count_deferred = session.exec(
+                select(func.count()).where(
+                    Transaction.date >= prev_start,
+                    Transaction.date < prev_end,
+                    Transaction.source == source,
+                    col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                    Transaction.deferred_to_next_cycle == True,  # noqa: E712
+                )
+            ).one()
+            count = count_normal + count_deferred
+
+            results[source.value] = {
+                "source": source.value,
+                "total_compra": compra,
+                "total_devolucion": devolucion,
+                "net": compra - devolucion,
+                "count": count,
+            }
+        else:
+            # Cash / Transfer: calendar month, no deferred logic
+            compra = session.exec(
+                select(func.coalesce(func.sum(amount_crc), 0)).where(
+                    Transaction.date >= cal_start,
+                    Transaction.date < cal_end,
+                    Transaction.source == source,
+                    Transaction.transaction_type == TransactionType.COMPRA,
                 )
             ).one()
             devolucion = session.exec(
-            select(func.coalesce(func.sum(Transaction.amount), 0)).where(
-                Transaction.date >= start,
-                Transaction.date < end,
+                select(func.coalesce(func.sum(amount_crc), 0)).where(
+                    Transaction.date >= cal_start,
+                    Transaction.date < cal_end,
                     Transaction.source == source,
                     Transaction.transaction_type == TransactionType.DEVOLUCION,
                 )
             ).one()
             count = session.exec(
                 select(func.count()).where(
-                Transaction.date >= start,
-                Transaction.date < end,
+                    Transaction.date >= cal_start,
+                    Transaction.date < cal_end,
                     Transaction.source == source,
-                Transaction.transaction_type != TransactionType.DEPOSITO,
+                    col(Transaction.transaction_type).notin_(INCOME_TYPES),
                 )
             ).one()
 
@@ -112,39 +225,173 @@ def compute_actuals_by_source(
 def compute_actuals_by_category(
     session: Session, year: int, month: int
 ) -> dict[int, float]:
-    """Return {category_id: net_amount} for actual transactions in a calendar month."""
-    start, end = get_month_range(year, month)
+    """Return {category_id: net_amount} for actual transactions.
 
-    rows = session.exec(
-        select(
-            Transaction.category_id,
-            Transaction.transaction_type,
-            func.sum(Transaction.amount),
-        )
-        .where(
-            Transaction.date >= start,
-            Transaction.date < end,
-            Transaction.category_id.is_not(None),  # type: ignore[union-attr]
-            Transaction.transaction_type != TransactionType.DEPOSITO,
-        )
-        .group_by(Transaction.category_id, Transaction.transaction_type)
-    ).all()
+    Credit card uses billing cycle (18th-18th) with deferred logic.
+    Cash/Transfer use calendar month (1st-1st).
+    """
+    cc_cycle_y, cc_cycle_m = get_previous_cycle(year, month)
+    cc_start, cc_end = get_cycle_range(cc_cycle_y, cc_cycle_m)
+    prev_cc_y, prev_cc_m = get_previous_cycle(cc_cycle_y, cc_cycle_m)
+    prev_start, prev_end = get_cycle_range(prev_cc_y, prev_cc_m)
+    cal_start, cal_end = get_month_range(year, month)
+
+    amount_crc = get_converted_amount_expr(session)
 
     totals: dict[int, float] = {}
+
+    def _merge_rows(rows: list) -> None:
         for cat_id, tx_type, amount in rows:
             val = float(amount)
             if tx_type == TransactionType.DEVOLUCION:
                 val = -val
             totals[cat_id] = totals.get(cat_id, 0) + val
+
+    # 1) CC normal in this cycle (not deferred)
+    _merge_rows(
+        session.exec(
+            select(
+                Transaction.category_id,
+                Transaction.transaction_type,
+                func.sum(amount_crc),
+            )
+            .where(
+                Transaction.date >= cc_start,
+                Transaction.date < cc_end,
+                Transaction.source == TransactionSource.CREDIT_CARD,
+                Transaction.category_id.is_not(None),  # type: ignore[union-attr]
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                Transaction.deferred_to_next_cycle == False,  # noqa: E712
+            )
+            .group_by(Transaction.category_id, Transaction.transaction_type)
+        ).all()
+    )
+
+    # 2) CC deferred from previous cycle
+    _merge_rows(
+        session.exec(
+            select(
+                Transaction.category_id,
+                Transaction.transaction_type,
+                func.sum(amount_crc),
+            )
+            .where(
+                Transaction.date >= prev_start,
+                Transaction.date < prev_end,
+                Transaction.source == TransactionSource.CREDIT_CARD,
+                Transaction.category_id.is_not(None),  # type: ignore[union-attr]
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                Transaction.deferred_to_next_cycle == True,  # noqa: E712
+            )
+            .group_by(Transaction.category_id, Transaction.transaction_type)
+        ).all()
+    )
+
+    # 3) Non-CC: calendar month
+    _merge_rows(
+        session.exec(
+            select(
+                Transaction.category_id,
+                Transaction.transaction_type,
+                func.sum(amount_crc),
+            )
+            .where(
+                Transaction.date >= cal_start,
+                Transaction.date < cal_end,
+                Transaction.source != TransactionSource.CREDIT_CARD,
+                Transaction.category_id.is_not(None),  # type: ignore[union-attr]
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+            )
+            .group_by(Transaction.category_id, Transaction.transaction_type)
+        ).all()
+    )
+
     return totals
 
 
+def compute_cc_by_category(
+    session: Session, year: int, month: int
+) -> list[dict]:
+    """Return credit card spending by category for the billing cycle."""
+    cc_cycle_y, cc_cycle_m = get_previous_cycle(year, month)
+    cc_start, cc_end = get_cycle_range(cc_cycle_y, cc_cycle_m)
+    prev_cc_y, prev_cc_m = get_previous_cycle(cc_cycle_y, cc_cycle_m)
+    prev_start, prev_end = get_cycle_range(prev_cc_y, prev_cc_m)
+
+    amount_crc = get_converted_amount_expr(session)
+
+    totals: dict[int | None, float] = {}
+
+    def _merge(rows: list) -> None:
+        for cat_id, tx_type, amount in rows:
+            val = float(amount)
+            if tx_type == TransactionType.DEVOLUCION:
+                val = -val
+            totals[cat_id] = totals.get(cat_id, 0) + val
+
+    # CC normal in this cycle
+    _merge(
+        session.exec(
+            select(
+                Transaction.category_id,
+                Transaction.transaction_type,
+                func.sum(amount_crc),
+            )
+            .where(
+                Transaction.date >= cc_start,
+                Transaction.date < cc_end,
+                Transaction.source == TransactionSource.CREDIT_CARD,
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                Transaction.deferred_to_next_cycle == False,  # noqa: E712
+            )
+            .group_by(Transaction.category_id, Transaction.transaction_type)
+        ).all()
+    )
+    # CC deferred from previous cycle
+    _merge(
+        session.exec(
+            select(
+                Transaction.category_id,
+                Transaction.transaction_type,
+                func.sum(amount_crc),
+            )
+            .where(
+                Transaction.date >= prev_start,
+                Transaction.date < prev_end,
+                Transaction.source == TransactionSource.CREDIT_CARD,
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                Transaction.deferred_to_next_cycle == True,  # noqa: E712
+            )
+            .group_by(Transaction.category_id, Transaction.transaction_type)
+        ).all()
+    )
+
+    # Resolve category names
+    from app.models.models import Category
+
+    result = []
+    for cat_id, amount in totals.items():
+        if amount <= 0:
+            continue
+        if cat_id is not None:
+            cat = session.get(Category, cat_id)
+            name = cat.name if cat else "Sin categoría"
+        else:
+            name = "Sin categoría"
+        result.append({"category_name": name, "amount": round(amount, 2)})
+
+    return sorted(result, key=lambda x: x["amount"], reverse=True)
+
+
 def compute_monthly_projection(
     session: Session, year: int, month: int
 ) -> dict:
     """Compute full monthly projection with no-double-count logic."""
     items = session.exec(
-        select(RecurringItem).where(RecurringItem.is_active == True)  # noqa: E712
+        select(RecurringItem).where(
+            RecurringItem.is_active == True,  # noqa: E712
+            RecurringItem.item_type != RecurringItemType.SAVINGS,
+        )
     ).all()
 
     actuals_by_source = compute_actuals_by_source(session, year, month)
@@ -152,11 +399,9 @@ def compute_monthly_projection(
 
     income_items = []
     expense_items = []
-    savings_items = []
 
     total_income = 0.0
     total_fixed_expenses = 0.0
-    total_savings = 0.0
 
     for item in items:
         effective = get_effective_amount(item, month, year)
@@ -190,10 +435,6 @@ def compute_monthly_projection(
                 total_fixed_expenses += effective
             expense_items.append(detail)
 
-        elif item.item_type == RecurringItemType.SAVINGS:
-            savings_items.append(detail)
-            total_savings += effective
-
     # Sum actuals from sources for categories NOT covered by recurring items
     covered_category_ids = {
         item.category_id
@@ -208,34 +449,75 @@ def compute_monthly_projection(
         if cat_id not in covered_category_ids:
             uncovered_actual += amount
 
-    # Also add transactions with no category
-    start, end = get_month_range(year, month)
-    uncategorized = session.exec(
-        select(
-            Transaction.transaction_type,
-            func.sum(Transaction.amount),
-        )
-        .where(
-            Transaction.date >= start,
-            Transaction.date < end,
-            Transaction.category_id.is_(None),  # type: ignore[union-attr]
-            Transaction.transaction_type != TransactionType.DEPOSITO,
-        )
-        .group_by(Transaction.transaction_type)
-    ).all()
-    for tx_type, amount in uncategorized:
+    # Also add transactions with no category (hybrid ranges + deferred)
+    cc_cycle_y, cc_cycle_m = get_previous_cycle(year, month)
+    cc_start, cc_end = get_cycle_range(cc_cycle_y, cc_cycle_m)
+    prev_cc_y, prev_cc_m = get_previous_cycle(cc_cycle_y, cc_cycle_m)
+    prev_start, prev_end = get_cycle_range(prev_cc_y, prev_cc_m)
+    cal_start, cal_end = get_month_range(year, month)
+
+    amount_crc = get_converted_amount_expr(session)
+
+    def _sum_uncategorized(rows: list) -> float:
+        total = 0.0
+        for tx_type, amount in rows:
             val = float(amount)
             if tx_type == TransactionType.DEVOLUCION:
                 val = -val
-        uncovered_actual += val
+            total += val
+        return total
+
+    # CC uncategorized: this cycle (not deferred)
+    uncovered_actual += _sum_uncategorized(
+        session.exec(
+            select(Transaction.transaction_type, func.sum(amount_crc))
+            .where(
+                Transaction.date >= cc_start,
+                Transaction.date < cc_end,
+                Transaction.source == TransactionSource.CREDIT_CARD,
+                Transaction.category_id.is_(None),  # type: ignore[union-attr]
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                Transaction.deferred_to_next_cycle == False,  # noqa: E712
+            )
+            .group_by(Transaction.transaction_type)
+        ).all()
+    )
+    # CC uncategorized: deferred from previous cycle
+    uncovered_actual += _sum_uncategorized(
+        session.exec(
+            select(Transaction.transaction_type, func.sum(amount_crc))
+            .where(
+                Transaction.date >= prev_start,
+                Transaction.date < prev_end,
+                Transaction.source == TransactionSource.CREDIT_CARD,
+                Transaction.category_id.is_(None),  # type: ignore[union-attr]
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+                Transaction.deferred_to_next_cycle == True,  # noqa: E712
+            )
+            .group_by(Transaction.transaction_type)
+        ).all()
+    )
+    # Non-CC uncategorized: calendar month
+    uncovered_actual += _sum_uncategorized(
+        session.exec(
+            select(Transaction.transaction_type, func.sum(amount_crc))
+            .where(
+                Transaction.date >= cal_start,
+                Transaction.date < cal_end,
+                Transaction.source != TransactionSource.CREDIT_CARD,
+                Transaction.category_id.is_(None),  # type: ignore[union-attr]
+                col(Transaction.transaction_type).notin_(INCOME_TYPES),
+            )
+            .group_by(Transaction.transaction_type)
+        ).all()
+    )
 
     actual_credit_card = actuals_by_source.get("CREDIT_CARD", {}).get("net", 0)
     actual_cash = actuals_by_source.get("CASH", {}).get("net", 0)
     actual_transfers = actuals_by_source.get("TRANSFER", {}).get("net", 0)
+    cc_by_category = compute_cc_by_category(session, year, month)
 
     gran_total = total_fixed_expenses + uncovered_actual
-    # Savings are NOT deducted — they are already deducted from gross salary
-    # (the income amounts are net, post-savings)
     net_balance = total_income - gran_total
 
     return {
@@ -243,7 +525,6 @@ def compute_monthly_projection(
         "month": month,
         "projected_income": total_income,
         "projected_fixed_expenses": total_fixed_expenses,
-        "projected_savings": total_savings,
         "actual_credit_card": actual_credit_card,
         "actual_cash": actual_cash,
         "actual_transfers": actual_transfers,
@@ -252,6 +533,83 @@ def compute_monthly_projection(
         "net_balance": net_balance,
         "income_items": income_items,
         "expense_items": expense_items,
-        "savings_items": savings_items,
         "actuals_by_source": list(actuals_by_source.values()),
+        "cc_by_category": cc_by_category,
     }
+
+
+def _get_december_cumulative(session: Session, year: int) -> float:
+    """Get the cumulative balance for December of a given year."""
+    # Check for an override first
+    override = session.exec(
+        select(BalanceOverride).where(
+            BalanceOverride.year == year, BalanceOverride.month == 12
+        )
+    ).first()
+    if override:
+        return override.override_balance
+
+    # Compute the full year to get December's cumulative
+    overrides = session.exec(
+        select(BalanceOverride).where(BalanceOverride.year == year)
+    ).all()
+    override_map = {o.month: o.override_balance for o in overrides}
+
+    cumulative = 0.0
+    if year > FRESH_START_YEAR:
+        cumulative = _get_december_cumulative(session, year - 1)
+
+    for m in range(1, 13):
+        if year == FRESH_START_YEAR and m < FRESH_START_MONTH:
+            continue
+        data = compute_monthly_projection(session, year, m)
+        cumulative += data["net_balance"]
+        if m in override_map:
+            cumulative = override_map[m]
+
+    return cumulative
+
+
+def compute_yearly_projection_with_cumulative(
+    session: Session, year: int
+) -> list[dict]:
+    """Compute all 12 months with cumulative balance tracking."""
+    overrides = session.exec(
+        select(BalanceOverride).where(BalanceOverride.year == year)
+    ).all()
+    override_map = {o.month: o.override_balance for o in overrides}
+
+    # Determine January carryover
+    if year <= FRESH_START_YEAR:
+        carryover = 0.0
+    else:
+        carryover = _get_december_cumulative(session, year - 1)
+
+    months = []
+    for m in range(1, 13):
+        data = compute_monthly_projection(session, year, m)
+
+        is_before_fresh_start = (
+            year == FRESH_START_YEAR and m < FRESH_START_MONTH
+        )
+
+        if is_before_fresh_start:
+            data["carryover_balance"] = 0.0
+            data["cumulative_balance"] = 0.0
+            data["balance_overridden"] = False
+        else:
+            data["carryover_balance"] = carryover
+            cumulative = carryover + data["net_balance"]
+
+            if m in override_map:
+                cumulative = override_map[m]
+                data["balance_overridden"] = True
+            else:
+                data["balance_overridden"] = False
+
+            data["cumulative_balance"] = cumulative
+            carryover = cumulative
+
+        months.append(data)
+
+    return months

backend/app/services/exchange_rate.py

@@ -1,12 +1,21 @@
+import asyncio
+import logging
 import xml.etree.ElementTree as ET
 from datetime import datetime, timedelta
 
 import httpx
+from sqlalchemy import case
 from sqlmodel import Session, col, select
 
 from app.config import settings
+from app.db import engine
 from app.models.models import ExchangeRate
 
+logger = logging.getLogger(__name__)
+
+# Scheduled refresh interval — 4x/day
+REFRESH_INTERVAL_SECONDS = 6 * 3600
+
 # BCCR indicators: 317 = buy, 318 = sell
 BCCR_URL = "https://gee.bccr.fi.cr/Indicadores/Suscripciones/WS/wsindicadoreseconomicos.asmx/ObtenerIndicadoresEconomicos"
 
@@ -23,6 +32,14 @@ _cache: dict[str, tuple[ExchangeRate, datetime]] = {}
 _last_known: ExchangeRate | None = None  # survives cache expiry — always holds the last successful rate
 CACHE_TTL = timedelta(hours=1)
 
+# Generic X/CRC mid-market rate cache (by currency code)
+_xcrc_cache: dict[str, tuple[float, datetime]] = {}
+_last_known_xcrc: dict[str, float] = {}
+
+# CoinGecko ids for supported crypto codes
+_COINGECKO_IDS = {"BTC": "bitcoin", "XMR": "monero"}
+COINGECKO_URL = "https://api.coingecko.com/api/v3/simple/price"
+
 
 def _fetch_bccr_rate(indicator: int, date_str: str) -> float | None:
     """Fetch a single indicator from BCCR API."""
@@ -167,6 +184,188 @@ def get_current_rate(session: Session) -> ExchangeRate | None:
     return None
 
 
+def _fetch_fiat_crc_mid(code: str) -> float | None:
+    """Derive {code}/CRC mid-market rate from ExchangeRate-API (USD-based).
+
+    X/CRC = CRC_per_USD / X_per_USD
+    """
+    try:
+        resp = httpx.get(EXCHANGERATE_API_URL, timeout=10)
+        resp.raise_for_status()
+        data = resp.json()
+        if data.get("result") == "success":
+            crc = data["rates"].get("CRC")
+            x = data["rates"].get(code)
+            if crc and x:
+                return float(crc) / float(x)
+    except Exception:
+        pass
+    return None
+
+
+def _fetch_crypto_crc(code: str) -> float | None:
+    """Fetch {code}/CRC spot from CoinGecko."""
+    coin_id = _COINGECKO_IDS.get(code)
+    if not coin_id:
+        return None
+    try:
+        resp = httpx.get(
+            COINGECKO_URL,
+            params={"ids": coin_id, "vs_currencies": "crc"},
+            timeout=10,
+        )
+        resp.raise_for_status()
+        data = resp.json()
+        price = data.get(coin_id, {}).get("crc")
+        if price:
+            return float(price)
+    except Exception:
+        pass
+    return None
+
+
+def get_crc_rate(code: str) -> float | None:
+    """Get current {code}→CRC rate (cached 1 hour). Fiat via ExchangeRate-API, crypto via CoinGecko."""
+    if code == "CRC":
+        return 1.0
+
+    cached = _xcrc_cache.get(code)
+    if cached and datetime.utcnow() - cached[1] < CACHE_TTL:
+        return cached[0]
+
+    if code in _COINGECKO_IDS:
+        rate = _fetch_crypto_crc(code)
+    else:
+        rate = _fetch_fiat_crc_mid(code)
+
+    if rate is not None:
+        _xcrc_cache[code] = (rate, datetime.utcnow())
+        _last_known_xcrc[code] = rate
+        return rate
+
+    return _last_known_xcrc.get(code)
+
+
+def get_crc_multipliers(session: Session) -> dict[str, float]:
+    """Return {currency_code: CRC_multiplier} for every supported currency."""
+    from app.models.models import Currency
+
+    multipliers: dict[str, float] = {"CRC": 1.0}
+
+    usd_rate = get_current_rate(session)
+    if usd_rate:
+        multipliers["USD"] = usd_rate.sell_rate
+
+    for code in (c.value for c in Currency):
+        if code in multipliers:
+            continue
+        rate = get_crc_rate(code)
+        if rate is not None:
+            multipliers[code] = rate
+
+    return multipliers
+
+
+def get_converted_amount_expr(session: Session):
+    """Return a SQLAlchemy expression converting Transaction.amount to CRC.
+
+    Builds a CASE that multiplies by the per-currency CRC rate; CRC passes through.
+    Missing rates fall back to 1.0 (treat as CRC) rather than 0.0 so a transient
+    API outage does not silently zero out foreign-currency totals.
+    """
+    from app.models.models import Transaction
+
+    multipliers = get_crc_multipliers(session)
+    whens = [
+        (Transaction.currency == code, Transaction.amount * mult)
+        for code, mult in multipliers.items()
+        if code != "CRC"
+    ]
+    if not whens:
+        return Transaction.amount
+    return case(*whens, else_=Transaction.amount)
+
+
+def _refresh_usd_rate() -> bool:
+    """Force-fetch USD/CRC from APIs and persist to DB. Returns True on success."""
+    fetched = _fetch_rate_from_apis()
+    if fetched is None:
+        return False
+    buy, sell = fetched
+    with Session(engine) as session:
+        rate = ExchangeRate(date=datetime.utcnow(), buy_rate=buy, sell_rate=sell)
+        session.add(rate)
+        session.commit()
+        session.refresh(rate)
+        _remember(rate)
+    return True
+
+
+def _refresh_other_rate(code: str) -> bool:
+    """Force-fetch {code}/CRC and update in-memory cache. Returns True on success."""
+    if code in _COINGECKO_IDS:
+        rate = _fetch_crypto_crc(code)
+    else:
+        rate = _fetch_fiat_crc_mid(code)
+    if rate is None:
+        return False
+    _xcrc_cache[code] = (rate, datetime.utcnow())
+    _last_known_xcrc[code] = rate
+    return True
+
+
+def refresh_all_rates() -> dict[str, bool]:
+    """Force-refresh every supported currency.
+
+    Each currency is refreshed independently — one failure does not affect others.
+    On success the DB (for USD) and in-memory caches are updated. On failure the
+    previous value is retained via `_last_known_*` / stale-DB fallback, so callers
+    always see the most recent working rate.
+    """
+    from app.models.models import Currency
+
+    results: dict[str, bool] = {}
+
+    try:
+        results["USD"] = _refresh_usd_rate()
+    except Exception:
+        logger.exception("USD rate refresh failed")
+        results["USD"] = False
+
+    for currency in Currency:
+        code = currency.value
+        if code in ("CRC", "USD"):
+            continue
+        try:
+            results[code] = _refresh_other_rate(code)
+        except Exception:
+            logger.exception("%s rate refresh failed", code)
+            results[code] = False
+
+    return results
+
+
+async def refresh_rates_periodically(
+    interval_seconds: int = REFRESH_INTERVAL_SECONDS,
+) -> None:
+    """Background loop that refreshes all currency rates every `interval_seconds`.
+
+    Never raises — failures are logged and the last-known rates are retained.
+    Runs one refresh immediately on startup, then sleeps on the fixed interval.
+    """
+    while True:
+        try:
+            report = await asyncio.to_thread(refresh_all_rates)
+            ok = sorted(k for k, v in report.items() if v)
+            failed = sorted(k for k, v in report.items() if not v)
+            logger.info(
+                "Exchange rate refresh complete: ok=%s failed=%s", ok, failed
+            )
+        except Exception:
+            logger.exception("Exchange rate refresh loop crashed")
+        await asyncio.sleep(interval_seconds)
+
+
 def get_rate_history(session: Session, days: int = 30) -> list[ExchangeRate]:
     """Get historical exchange rates."""
     cutoff = datetime.utcnow() - timedelta(days=days)

backend/app/services/municipal_receipt_pdf.py

@@ -0,0 +1,291 @@
+"""
+Extract structured data from Municipalidad de Belén receipts using pdftotext + regex.
+"""
+
+import re
+import subprocess
+import tempfile
+from dataclasses import dataclass, field
+
+
+def _parse_amount(s: str) -> float:
+    """Parse a Costa Rican formatted number: '1,875.00' → 1875.00"""
+    return float(s.replace(",", ""))
+
+
+def _parse_date(s: str) -> str:
+    """Convert dd/mm/yyyy → YYYY-MM-DD"""
+    d, m, y = s.strip().split("/")
+    return f"{y}-{m.zfill(2)}-{d.zfill(2)}"
+
+
+def _parse_period(s: str) -> str:
+    """Convert mm/yyyy → YYYY-MM"""
+    m, y = s.strip().split("/")
+    return f"{y}-{m.zfill(2)}"
+
+
+@dataclass
+class Charge:
+    detail: str
+    interests: float
+    iva: float
+    amount: float
+
+
+@dataclass
+class WaterMeter:
+    period: str
+    meter_id: str
+    reading_previous: int
+    reading_current: int
+    consumption_m3: int
+    agua_potable: float
+    serv_ambientales: float
+    alcant_sanitario: float
+    iva: float
+
+
+@dataclass
+class HistoricalConsumption:
+    meter_id: str
+    period: str
+    consumption_m3: int
+
+
+@dataclass
+class MunicipalReceiptData:
+    receipt_date: str  # YYYY-MM-DD
+    due_date: str  # YYYY-MM-DD
+    holder_name: str
+    holder_cedula: str
+    holder_address: str
+    account: str
+    finca: str
+    charges: list[Charge] = field(default_factory=list)
+    subtotal: float = 0.0
+    interests: float = 0.0
+    iva: float = 0.0
+    total: float = 0.0
+    water_meters: list[WaterMeter] = field(default_factory=list)
+    historical_consumption: list[HistoricalConsumption] = field(default_factory=list)
+
+
+def _pdf_to_text(pdf_bytes: bytes) -> str:
+    """Convert PDF bytes to text using pdftotext -layout."""
+    with tempfile.NamedTemporaryFile(suffix=".pdf") as tmp:
+        tmp.write(pdf_bytes)
+        tmp.flush()
+        result = subprocess.run(
+            ["pdftotext", "-layout", tmp.name, "-"],
+            capture_output=True,
+            text=True,
+            timeout=10,
+        )
+        if result.returncode != 0:
+            raise ValueError(f"pdftotext failed: {result.stderr}")
+        return result.stdout
+
+
+# Regex patterns
+RE_FECHA = re.compile(r"Fecha:\s*(\d{2}/\d{2}/\d{4})")
+RE_VENCIMIENTO = re.compile(r"Fecha de vencimiento:\s*(\d{2}/\d{2}/\d{4})")
+RE_NOMBRE = re.compile(r"Nombre:\s*(.+)")
+RE_CEDULA = re.compile(r"Cédula:\s*(\d+)")
+RE_DIRECCION = re.compile(r"Dirección:\s*(.+)")
+
+# Charge line: DETAIL_TEXT  account  finca  interests  iva  periodo_actual  periodo_anterior
+RE_CHARGE = re.compile(
+    r"^([A-ZÁÉÍÓÚÑ][A-ZÁÉÍÓÚÑ\s.]+?)\s+"
+    r"(\d{4})\s+"
+    r"(\d{6}---\d{3})\s+"
+    r"([\d,]+\.\d{2})\s+"
+    r"([\d,]+\.\d{2})\s+"
+    r"([\d,]+\.\d{2})\s+"
+    r"([\d,]+\.\d{2})\s*$"
+)
+
+RE_SUBTOTAL = re.compile(r"Sub-Total:\s+([\d,]+\.\d{2})")
+RE_INTERESES = re.compile(r"Intereses:\s+([\d,]+\.\d{2})")
+RE_IVA = re.compile(r"IVA\s+([\d,]+\.\d{2})")
+RE_TOTAL = re.compile(r"Total:\s+([\d,]+\.\d{2})")
+
+# Water meter line: period  meter_id  lec_ant  lec_act  consumo  agua_potable  serv_amb  alcant  iva
+RE_WATER_METER = re.compile(
+    r"(\d{2}/\d{4})\s+"
+    r"(\d{4})\s+"
+    r"(\d{5})\s+"
+    r"(\d{5})\s+"
+    r"(\d+)\s+"
+    r"([\d,]+\.\d{2})\s+"
+    r"([\d,]+\.\d{2})\s+"
+    r"([\d,]+\.\d{2})\s+"
+    r"([\d,]+\.\d{2})"
+)
+
+# Historical consumption: meter_id  period  consumption
+RE_HISTORICAL = re.compile(
+    r"(\d{4})\s+(\d{2}/\d{4})\s+(\d{5})"
+)
+
+
+def extract_municipal_receipt(
+    pdf_bytes: bytes, filename: str
+) -> dict:
+    """Extract structured data from a municipal receipt PDF.
+
+    Returns a dict matching the target JSON schema.
+    """
+    text = _pdf_to_text(pdf_bytes)
+
+    if "RECIBO MUNICIPAL" not in text:
+        raise ValueError(f"{filename}: Not a municipal receipt")
+
+    data = MunicipalReceiptData(
+        receipt_date="",
+        due_date="",
+        holder_name="",
+        holder_cedula="",
+        holder_address="",
+        account="",
+        finca="",
+    )
+
+    # --- Header fields ---
+    m = RE_FECHA.search(text)
+    if m:
+        data.receipt_date = _parse_date(m.group(1))
+
+    m = RE_VENCIMIENTO.search(text)
+    if m:
+        data.due_date = _parse_date(m.group(1))
+
+    m = RE_NOMBRE.search(text)
+    if m:
+        data.holder_name = m.group(1).strip()
+
+    m = RE_CEDULA.search(text)
+    if m:
+        data.holder_cedula = m.group(1).strip()
+
+    m = RE_DIRECCION.search(text)
+    if m:
+        data.holder_address = m.group(1).strip().rstrip(".")
+
+    # --- Charges ---
+    for line in text.splitlines():
+        m = RE_CHARGE.match(line.strip())
+        if m:
+            detail = m.group(1).strip()
+            data.account = m.group(2)
+            data.finca = m.group(3)
+            interests = _parse_amount(m.group(4))
+            iva = _parse_amount(m.group(5))
+            amount = _parse_amount(m.group(6))
+            data.charges.append(Charge(detail=detail, interests=interests, iva=iva, amount=amount))
+
+    # --- Totals ---
+    m = RE_SUBTOTAL.search(text)
+    if m:
+        data.subtotal = _parse_amount(m.group(1))
+
+    m = RE_INTERESES.search(text)
+    if m:
+        data.interests = _parse_amount(m.group(1))
+
+    m = RE_IVA.search(text)
+    if m:
+        data.iva = _parse_amount(m.group(1))
+
+    m = RE_TOTAL.search(text)
+    if m:
+        data.total = _parse_amount(m.group(1))
+
+    # --- Water meters ---
+    for m in RE_WATER_METER.finditer(text):
+        data.water_meters.append(
+            WaterMeter(
+                period=_parse_period(m.group(1)),
+                meter_id=m.group(2),
+                reading_previous=int(m.group(3)),
+                reading_current=int(m.group(4)),
+                consumption_m3=int(m.group(5)),
+                agua_potable=_parse_amount(m.group(6)),
+                serv_ambientales=_parse_amount(m.group(7)),
+                alcant_sanitario=_parse_amount(m.group(8)),
+                iva=_parse_amount(m.group(9)),
+            )
+        )
+
+    # --- Historical consumption ---
+    # Only parse lines AFTER "DETALLE DE CONSUMO MESES ANTERIORES"
+    hist_section = text.split("DETALLE DE CONSUMO MESES ANTERIORES")
+    if len(hist_section) > 1:
+        for m in RE_HISTORICAL.finditer(hist_section[1]):
+            data.historical_consumption.append(
+                HistoricalConsumption(
+                    meter_id=m.group(1),
+                    period=_parse_period(m.group(2)),
+                    consumption_m3=int(m.group(3)),
+                )
+            )
+
+    # --- Validation ---
+    if not data.receipt_date:
+        raise ValueError(f"{filename}: Could not parse receipt date")
+    if not data.charges:
+        raise ValueError(f"{filename}: No charges found")
+
+    # --- Build output dict ---
+    return {
+        "receipt": {
+            "type": "RECIBO MUNICIPAL",
+            "issuer": {
+                "name": "MUNICIPALIDAD DE BELÉN",
+                "phone": "(506) 2587-0000",
+                "fax": "(506) 2293-3667",
+                "website": "www.belen.go.cr",
+            },
+            "date": data.receipt_date,
+            "due_date": data.due_date,
+            "account_holder": {
+                "name": data.holder_name,
+                "cedula": data.holder_cedula,
+                "address": data.holder_address,
+            },
+            "account": data.account,
+            "finca": data.finca,
+        },
+        "charges": [
+            {"detail": c.detail, "interests": c.interests, "iva": c.iva, "amount": c.amount}
+            for c in data.charges
+        ],
+        "totals": {
+            "subtotal": data.subtotal,
+            "interests": data.interests,
+            "iva": data.iva,
+            "total": data.total,
+        },
+        "water_meters": [
+            {
+                "period": wm.period,
+                "meter_id": wm.meter_id,
+                "reading_previous": wm.reading_previous,
+                "reading_current": wm.reading_current,
+                "consumption_m3": wm.consumption_m3,
+                "agua_potable": wm.agua_potable,
+                "serv_ambientales": wm.serv_ambientales,
+                "alcant_sanitario": wm.alcant_sanitario,
+                "iva": wm.iva,
+            }
+            for wm in data.water_meters
+        ],
+        "historical_consumption": [
+            {
+                "meter_id": hc.meter_id,
+                "period": hc.period,
+                "consumption_m3": hc.consumption_m3,
+            }
+            for hc in data.historical_consumption
+        ],
+    }

backend/app/services/savings_accrual.py

@@ -0,0 +1,62 @@
+from sqlmodel import Session, select
+
+from app.models.models import (
+    Account,
+    AccountType,
+    Bank,
+    SavingsAccrual,
+    Transaction,
+)
+
+MEMP_MONTHLY = 200000.0
+MPAT_MONTHLY = 200000.0
+
+
+def _get_savings_account(session: Session, bank: Bank) -> Account | None:
+    return session.exec(
+        select(Account).where(
+            Account.account_type == AccountType.SAVINGS,
+            Account.bank == bank,
+        )
+    ).first()
+
+
+def maybe_apply_monthly_savings(session: Session, tx: Transaction) -> SavingsAccrual | None:
+    """Apply monthly savings contribution if this is the first salary of the month.
+
+    Idempotent: if a SavingsAccrual row already exists for (year, month), do nothing.
+    Bumps MEMP and MPAT savings account balances and records the accrual.
+    """
+    year = tx.date.year
+    month = tx.date.month
+
+    existing = session.exec(
+        select(SavingsAccrual).where(
+            SavingsAccrual.year == year,
+            SavingsAccrual.month == month,
+        )
+    ).first()
+    if existing:
+        return None
+
+    memp = _get_savings_account(session, Bank.MEMP)
+    mpat = _get_savings_account(session, Bank.MPAT)
+    if memp is None or mpat is None:
+        return None
+
+    memp.balance += MEMP_MONTHLY
+    mpat.balance += MPAT_MONTHLY
+    session.add(memp)
+    session.add(mpat)
+
+    accrual = SavingsAccrual(
+        year=year,
+        month=month,
+        memp_amount=MEMP_MONTHLY,
+        mpat_amount=MPAT_MONTHLY,
+        trigger_transaction_id=tx.id,
+    )
+    session.add(accrual)
+    session.commit()
+    session.refresh(accrual)
+    return accrual

backend/requirements.txt

@@ -10,3 +10,7 @@ alembic
 httpx
 pywebpush
 py-vapid
+python-dateutil
+agent-framework==1.2.1
+agent-framework-ag-ui==1.0.0b260428
+agent-framework-openai==1.2.1

docker-compose.prod.yml

@@ -30,6 +30,8 @@ services:
       ADMIN_PASSWORD: ${ADMIN_PASSWORD}
       VAPID_PRIVATE_KEY: ${VAPID_PRIVATE_KEY}
       VAPID_PUBLIC_KEY: ${VAPID_PUBLIC_KEY}
+      OPENAI_API_KEY: ${OPENAI_API_KEY}
+      AGENT_MODEL: ${AGENT_MODEL:-gpt-5.4-mini}
     expose:
       - "8000"
     networks:
@@ -47,22 +49,32 @@ services:
   frontend:
     build:
       context: ./frontend
-      dockerfile: Dockerfile.prod
+      dockerfile: Dockerfile
+      target: runner
+      args:
+        NEXT_PUBLIC_VAPID_PUBLIC_KEY: ${VAPID_PUBLIC_KEY}
     container_name: wealthysmart-frontend-prod
     restart: unless-stopped
     environment:
+      NODE_ENV: production
+      BACKEND_URL: http://wealthysmart-backend-prod:8000
+      AGENT_URL: http://wealthysmart-backend-prod:8000/api/v1/agent/agui
+      JWT_SECRET: ${SECRET_KEY}
+      COOKIE_DOMAIN: wealth.cescalante.dev
+      COOKIE_SECURE: "true"
       VIRTUAL_HOST: wealth.cescalante.dev
+      VIRTUAL_PORT: "3000"
       LETSENCRYPT_HOST: wealth.cescalante.dev
       LETSENCRYPT_EMAIL: ${LETSENCRYPT_EMAIL}
     expose:
-      - "80"
+      - "3000"
     networks:
       - wealthysmart-network
       - nginx-prod-network
     depends_on:
       - backend
     healthcheck:
-      test: ["CMD", "wget", "--quiet", "--tries=1", "--spider", "http://127.0.0.1/"]
+      test: ["CMD", "wget", "--quiet", "--tries=1", "--spider", "http://127.0.0.1:3000/api/health"]
       interval: 30s
       timeout: 10s
       retries: 3

docker-compose.yml

@@ -25,6 +25,8 @@ services:
       DATABASE_URL: postgresql://wealthy_user:wealthy_pass@db:5432/wealthysmart
       VAPID_PRIVATE_KEY: ${VAPID_PRIVATE_KEY:-}
       VAPID_PUBLIC_KEY: ${VAPID_PUBLIC_KEY:-}
+      OPENAI_API_KEY: ${OPENAI_API_KEY:-}
+      AGENT_MODEL: ${AGENT_MODEL:-gpt-5.4-mini}
     ports:
       - "8001:8000"
     volumes:
@@ -32,17 +34,52 @@ services:
     depends_on:
       db:
         condition: service_healthy
+    develop:
+      watch:
+        - path: ./backend/app
+          action: sync
+          target: /app/app
+        - path: ./backend/requirements.txt
+          action: rebuild
+        - path: ./backend/Dockerfile
+          action: rebuild
 
   frontend:
     build:
       context: ./frontend
       dockerfile: Dockerfile
+      target: dev
     container_name: wealthysmart-frontend-dev
     ports:
-      - "5175:5173"
-    volumes:
-      - ./frontend:/app
-      - /app/node_modules
+      - "5175:3000"
+    environment:
+      NODE_ENV: development
+      AGENT_URL: http://backend:8000/api/v1/agent/agui
+    depends_on:
+      - backend
+    develop:
+      watch:
+        - path: ./frontend/src
+          action: sync
+          target: /app/src
+        - path: ./frontend/public
+          action: sync
+          target: /app/public
+        - path: ./frontend/server.ts
+          action: sync
+          target: /app/server.ts
+        - path: ./frontend/vite.config.ts
+          action: sync+restart
+          target: /app/vite.config.ts
+        - path: ./frontend/tsconfig.json
+          action: sync+restart
+          target: /app/tsconfig.json
+        - path: ./frontend/package.json
+          action: rebuild
+        - path: ./frontend/pnpm-lock.yaml
+          action: rebuild
+        - path: ./frontend/Dockerfile
+          action: rebuild
 
 volumes:
   postgres_data:

docs/WealthySmart_ BAC Pensions Statements parser.json

@@ -0,0 +1,97 @@
+{
+  "name": "WealthySmart: BAC Pensions Statements parser",
+  "nodes": [
+    {
+      "parameters": {
+        "pollTimes": {
+          "item": [
+            {
+              "hour": 0
+            }
+          ]
+        },
+        "simple": false,
+        "filters": {
+          "q": "Estado de cuenta Pensiones BAC CREDOMATIC -{tarjeta} "
+        },
+        "options": {
+          "downloadAttachments": true
+        }
+      },
+      "type": "n8n-nodes-base.gmailTrigger",
+      "typeVersion": 1.3,
+      "position": [
+        0,
+        0
+      ],
+      "id": "bc94143f-9980-4b94-9cd7-8e206dc1232e",
+      "name": "Gmail Trigger",
+      "credentials": {
+        "gmailOAuth2": {
+          "id": "LkAGMVgAqsiCkMFX",
+          "name": "Gmail account"
+        }
+      }
+    },
+    {
+      "parameters": {
+        "method": "POST",
+        "url": "https://wealth.cescalante.dev/api/v1/pensions/upload",
+        "authentication": "genericCredentialType",
+        "genericAuthType": "httpBearerAuth",
+        "sendBody": true,
+        "contentType": "multipart-form-data",
+        "bodyParameters": {
+          "parameters": [
+            {
+              "parameterType": "formBinaryData",
+              "name": "files",
+              "inputDataFieldName": "attachment_0"
+            }
+          ]
+        },
+        "options": {}
+      },
+      "type": "n8n-nodes-base.httpRequest",
+      "typeVersion": 4.4,
+      "position": [
+        208,
+        0
+      ],
+      "id": "b73c0182-8d56-48b3-b37e-c4dd9361a062",
+      "name": "HTTP Request",
+      "credentials": {
+        "httpBearerAuth": {
+          "id": "d4Le4M5bCuhEb2NN",
+          "name": "BAC Parser - wealth.cescalante.dev"
+        }
+      }
+    }
+  ],
+  "pinData": {},
+  "connections": {
+    "Gmail Trigger": {
+      "main": [
+        [
+          {
+            "node": "HTTP Request",
+            "type": "main",
+            "index": 0
+          }
+        ]
+      ]
+    }
+  },
+  "active": true,
+  "settings": {
+    "executionOrder": "v1",
+    "binaryMode": "separate"
+  },
+  "versionId": "f0bbb681-1cf3-49f4-b06e-de0218b7ff3e",
+  "meta": {
+    "templateCredsSetupCompleted": true,
+    "instanceId": "f446bf52a953467f756f2c188ff6b09473528d6316ecb3b9568cdbfbaa3258f3"
+  },
+  "id": "e88c3UhBeo9WCbcy",
+  "tags": []
+}

docs/a2ui-theming-findings.md

@@ -0,0 +1,53 @@
+# A2UI Theming Findings
+
+Captured 2026-04-28 while researching how to beautify the table the agent renders via `render_a2ui` without overriding component internals.
+
+## TL;DR
+
+- A2UI v0.9 docs prescribe theming through a small set of **documented top-level CSS variables** declared on `:where(:root)` (zero specificity, so host CSS wins without `!important`).
+- Default theme uses `light-dark()` so tokens self-toggle. Recommended dark-mode coupling: add the documented `a2ui-dark` class on `<html>` whenever Tailwind's `.dark` is on; that flips `color-scheme: dark` and resolves every `light-dark()` to its dark branch.
+- **In our app, this approach has near-zero visible effect.** We render through `@copilotkit/a2ui-renderer` (React variant), not `@a2ui/lit`. Inspecting the compiled React renderer (`node_modules/.pnpm/@copilotkit+a2ui-renderer@1.56.4/.../catalog/basic/components/*.mjs`), every component uses **hardcoded inline styles**; the only CSS variable consumed across the whole basic catalog is `--a2ui-primary-color`.
+- This matches open issues `google/A2UI#977` and `#1285` ("React renderer parity is incomplete").
+
+## Documented token surface (Lit / Angular)
+
+From `tech_docs/A2UI/renderers/web_core/src/v0_9/basic_catalog/styles/default.ts`:
+
+- Color palette: `--a2ui-color-background`, `--a2ui-color-on-background`, `--a2ui-color-surface`, `--a2ui-color-on-surface`, `--a2ui-color-primary`, `--a2ui-color-primary-light/-dark/-hover`, `--a2ui-color-on-primary`, `--a2ui-color-secondary`, `--a2ui-color-secondary-light/-dark/-hover`, `--a2ui-color-on-secondary`, `--a2ui-color-input`, `--a2ui-color-on-input`, `--a2ui-color-border`.
+- Borders: `--a2ui-border`, `--a2ui-border-width`, `--a2ui-border-radius`.
+- Typography: `--a2ui-font-family-title`, `--a2ui-font-family-monospace`, `--a2ui-font-size`, `--a2ui-font-scale`, `--a2ui-font-size-xs..2xl`, `--a2ui-line-height-headings`, `--a2ui-line-height-body`.
+- Spacing: `--a2ui-grid-base`, `--a2ui-spacing-xs..xl`.
+
+Per-component tokens like `--a2ui-card-background` exist but the renderer README and the official theming guide explicitly frame them as catalog-internal, not stable spec. Avoid relying on them.
+
+## Dark-mode coupling
+
+A2UI default uses `light-dark(...)` and supports forced modes via `a2ui-light` / `a2ui-dark` classes (see the `:where(.a2ui-dark)` block in `default.ts`). Best practice for a host that uses Tailwind `.dark` on `<html>`: toggle the matching `a2ui-dark` class in lockstep — one effect-driven `useEffect`, or add it directly to the root if the app is dark-only. No need to redeclare every token under `.dark`; the default rules already pick up the right branch through `light-dark()`.
+
+## Footguns in v0.9
+
+- The agent-supplied `theme` payload (e.g. `createSurface.theme.primaryColor`) is **not yet wired** in the basic catalog. Tracked in `google/A2UI#979` (Lit) and `#977` (React). Don't expect agent-side theming to recolor anything in v0.9; only the host CSS does.
+- `hintedStyles` (h1–h6 mappings) require all keys when overridden — see `google/A2UI#602`.
+- Tracking issues for the broader theming surface: `google/A2UI#1083`, `#1118`.
+
+## Why this won't move the table in our app
+
+`@copilotkit/a2ui-renderer@1.56.4` (React) is what `<CopilotKit a2ui={{}}>` plugs in. Its components apply colors and borders as inline `style` props (`backgroundColor: "#fff"`, `border: "1px solid #ccc"`, etc.). Inline styles can only be overridden with `!important` in author CSS, which contradicts the "don't take its freedom" goal. So the documented `--a2ui-*` token contract is currently a **Lit-only surface** for this catalog.
+
+## Practical options for this codebase
+
+1. **Quick win**: set `--a2ui-primary-color: var(--primary)` on `:root`. Real but small effect (primary buttons, links).
+2. **Prompt-side polish**: instruct the agent to compose richer A2UI structures — wrap the table in a `Card`, use `usageHint: "h3"` for the section title, insert a `Divider`, group columns with `Row` + `Column` weights — so the renderer's existing inline styles produce a cleaner result. No code change.
+3. **Switch renderer**: replace `@copilotkit/a2ui-renderer` with `@a2ui/lit` (or wait for `@a2ui/react` parity). Then every documented `--a2ui-*` token actually applies. Non-trivial migration.
+4. **Custom catalog overrides**: register replacement React components for `Row`/`List`/`Card` via `createA2UICatalog`; full control, most invasive, accepts ownership of those components forever.
+
+## Source links
+
+- `tech_docs/A2UI/docs/guides/theming.md`
+- `tech_docs/A2UI/renderers/web_core/src/v0_9/basic_catalog/styles/default.ts`
+- `tech_docs/A2UI/renderers/lit/README.md` §"CSS-based Basic Catalog Theming"
+- `https://github.com/google/A2UI/issues/977` (React renderer theming gap)
+- `https://github.com/google/A2UI/issues/1285` (React renderer parity)
+- `https://github.com/google/A2UI/issues/1118` (theming surface roadmap)
+- `https://github.com/google/A2UI/issues/979` (Lit `theme` payload not wired)
+- `https://github.com/google/A2UI/pull/1079` (v0.9 CSS-variable rollout)

frontend/.dockerignore

@@ -0,0 +1,15 @@
+node_modules
+.next
+out
+build
+coverage
+.DS_Store
+*.pem
+npm-debug.log*
+yarn-debug.log*
+yarn-error.log*
+.pnpm-debug.log*
+.env*
+.vercel
+*.tsbuildinfo
+next-env.d.ts

frontend/.gitignore

@@ -0,0 +1,41 @@
+# See https://help.github.com/articles/ignoring-files/ for more about ignoring files.
+
+# dependencies
+/node_modules
+/.pnp
+.pnp.*
+.yarn/*
+!.yarn/patches
+!.yarn/plugins
+!.yarn/releases
+!.yarn/versions
+
+# testing
+/coverage
+
+# next.js
+/.next/
+/out/
+
+# production
+/build
+
+# misc
+.DS_Store
+*.pem
+
+# debug
+npm-debug.log*
+yarn-debug.log*
+yarn-error.log*
+.pnpm-debug.log*
+
+# env files (can opt-in for committing if needed)
+.env*
+
+# vercel
+.vercel
+
+# typescript
+*.tsbuildinfo
+next-env.d.ts

frontend/Dockerfile

@@ -1,7 +1,39 @@
-FROM node:20-slim
-RUN corepack enable && corepack prepare pnpm@latest --activate
+# syntax=docker/dockerfile:1.7
+
+FROM node:22-alpine AS deps
+RUN apk add --no-cache libc6-compat
 WORKDIR /app
-COPY package.json pnpm-lock.yaml ./
-RUN pnpm install --frozen-lockfile
+COPY package.json pnpm-lock.yaml* pnpm-workspace.yaml* ./
+RUN corepack enable && pnpm install --frozen-lockfile
+
+# Dev: Vite HMR on port 3000 + Hono CK server on port 3001
+FROM node:22-alpine AS dev
+RUN apk add --no-cache libc6-compat
+WORKDIR /app
+COPY --from=deps /app/node_modules ./node_modules
 COPY . .
-CMD ["pnpm", "run", "dev", "--", "--host"]
+ENV NODE_ENV=development
+EXPOSE 3000
+CMD ["sh", "-c", "corepack enable && pnpm dev"]
+
+# Build Vite SPA
+FROM node:22-alpine AS builder
+WORKDIR /app
+COPY --from=deps /app/node_modules ./node_modules
+COPY . .
+# Cap node heap so a build on a small VPS can't OOM-kill neighbours.
+ENV NODE_OPTIONS=--max-old-space-size=1536
+RUN corepack enable && pnpm build
+
+# Production: Hono serves dist/ + /api/copilotkit on port 3000
+FROM node:22-alpine AS runner
+RUN apk add --no-cache libc6-compat
+WORKDIR /app
+ENV NODE_ENV=production
+COPY --from=deps /app/node_modules ./node_modules
+COPY --from=builder /app/dist ./dist
+COPY server.ts package.json ./
+EXPOSE 3000
+HEALTHCHECK --interval=30s --timeout=3s --retries=3 \
+  CMD wget -qO- http://127.0.0.1:3000/api/health || exit 1
+CMD ["./node_modules/.bin/tsx", "server.ts"]

frontend/Dockerfile.prod

@@ -1,14 +0,0 @@
-# Stage 1: Build
-FROM node:20-slim AS build
-RUN corepack enable && corepack prepare pnpm@latest --activate
-WORKDIR /app
-COPY package.json pnpm-lock.yaml ./
-RUN pnpm install --frozen-lockfile
-COPY . .
-RUN pnpm run build
-
-# Stage 2: Serve
-FROM nginx:alpine
-COPY --from=build /app/dist /usr/share/nginx/html
-COPY nginx.conf /etc/nginx/conf.d/default.conf
-EXPOSE 80

frontend/index.html

@@ -12,8 +12,6 @@
     <meta name="description" content="WealthySmart — Smart personal finance management" />
     <meta name="theme-color" content="#0f172a" />
     <link rel="icon" type="image/svg+xml" href="/favicon.svg" />
-    <link rel="manifest" href="/manifest.json" />
-    <link rel="apple-touch-icon" href="/icons/icon-192.png" />
     <title>WealthySmart</title>
   </head>
   <body>

frontend/nginx.conf

@@ -1,31 +0,0 @@
-server {
-    listen 80;
-    root /usr/share/nginx/html;
-    index index.html;
-
-    # SPA fallback
-    location / {
-        try_files $uri $uri/ /index.html;
-    }
-
-    # Proxy API to backend (same docker network)
-    location /api/ {
-        proxy_pass http://wealthysmart-backend-prod:8000;
-        proxy_set_header Host $host;
-        proxy_set_header X-Real-IP $remote_addr;
-        proxy_set_header X-Forwarded-For $proxy_add_x_forwarded_for;
-        proxy_set_header X-Forwarded-Proto $scheme;
-        proxy_read_timeout 120s;
-    }
-
-    # No cache for service worker
-    location /sw.js {
-        add_header Cache-Control "no-cache";
-    }
-
-    # Cache immutable assets
-    location /assets/ {
-        expires 1y;
-        add_header Cache-Control "public, immutable";
-    }
-}

frontend/package.json

@@ -1,37 +1,46 @@
 {
-  "name": "wealthysmart-frontend",
-  "private": true,
+  "name": "frontend",
   "version": "0.1.0",
+  "private": true,
   "type": "module",
   "scripts": {
-    "dev": "vite",
+    "dev": "concurrently -k -n vite,ck -c cyan,magenta \"vite --host 0.0.0.0 --port 3000\" \"tsx watch server.ts\"",
     "build": "vite build",
-    "preview": "vite preview"
+    "preview": "tsx server.ts",
+    "typecheck": "tsc --noEmit"
   },
   "dependencies": {
-    "@base-ui/react": "^1.3.0",
+    "@ag-ui/client": "0.0.52",
+    "@base-ui/react": "^1.4.1",
+    "@copilotkit/react-core": "1.56.4",
+    "@copilotkit/react-ui": "1.56.4",
+    "@copilotkit/runtime": "1.56.4",
     "@fontsource-variable/ibm-plex-sans": "^5.2.8",
     "@fontsource-variable/noto-sans": "^5.2.10",
+    "@hono/node-server": "^1.14.4",
     "@tanstack/react-table": "^8.21.3",
-    "axios": "^1.13.6",
     "class-variance-authority": "^0.7.1",
     "clsx": "^2.1.1",
-    "lucide-react": "^0.562.0",
-    "react": "^19.2.0",
-    "react-dom": "^19.2.0",
-    "react-router-dom": "^7.12.0",
-    "recharts": "^2.15.4",
-    "shadcn": "^4.1.0",
+    "concurrently": "^9.1.2",
+    "hono": "^4.12.15",
+    "lucide-react": "^1.12.0",
+    "react": "19.2.5",
+    "react-dom": "19.2.5",
+    "react-router-dom": "^7.6.0",
+    "recharts": "^3.8.1",
+    "rxjs": "^7.8.1",
     "tailwind-merge": "^3.5.0",
+    "tsx": "^4.19.4",
     "tw-animate-css": "^1.4.0"
   },
   "devDependencies": {
-    "@tailwindcss/vite": "^4.1.18",
-    "@types/react": "^19.2.8",
-    "@types/react-dom": "^19.2.3",
-    "@vitejs/plugin-react-swc": "^4.2.2",
-    "tailwindcss": "^4.1.18",
-    "typescript": "^5.9.3",
-    "vite": "^7.2.4"
+    "@tailwindcss/vite": "^4",
+    "@types/node": "^20",
+    "@types/react": "^19",
+    "@types/react-dom": "^19",
+    "@vitejs/plugin-react-swc": "^3.9.0",
+    "tailwindcss": "^4",
+    "typescript": "^5",
+    "vite": "^6.3.5"
   }
 }

frontend/pnpm-workspace.yaml

@@ -1 +1,3 @@
-onlyBuiltDependencies: '["@swc/core", "esbuild"]'
+ignoredBuiltDependencies:
+  - sharp
+  - unrs-resolver

frontend/public/favicon.svg

@@ -1,4 +0,0 @@
-<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 32 32">
-  <rect width="32" height="32" rx="6" fill="#10b981"/>
-  <text x="16" y="23" text-anchor="middle" font-size="20" font-weight="bold" fill="#0f172a" font-family="system-ui">W</text>
-</svg>

frontend/public/manifest.json

@@ -1,27 +0,0 @@
-{
-  "name": "WealthySmart",
-  "short_name": "WealthySmart",
-  "description": "Smart personal finance management",
-  "start_url": "/",
-  "display": "standalone",
-  "background_color": "#0f172a",
-  "theme_color": "#0f172a",
-  "icons": [
-    {
-      "src": "/icons/icon-192.png",
-      "sizes": "192x192",
-      "type": "image/png"
-    },
-    {
-      "src": "/icons/icon-512.png",
-      "sizes": "512x512",
-      "type": "image/png"
-    },
-    {
-      "src": "/icons/icon-512.png",
-      "sizes": "512x512",
-      "type": "image/png",
-      "purpose": "maskable"
-    }
-  ]
-}

frontend/public/sw.js

@@ -1,98 +1,4 @@
-const CACHE_NAME = 'wealthysmart-v1';
-const STATIC_ASSETS = ['/', '/index.html'];
-
-self.addEventListener('install', (event) => {
-  event.waitUntil(
-    caches.open(CACHE_NAME).then((cache) => cache.addAll(STATIC_ASSETS))
-  );
-  self.skipWaiting();
-});
-
-self.addEventListener('activate', (event) => {
-  event.waitUntil(
-    caches.keys().then((keys) =>
-      Promise.all(keys.filter((k) => k !== CACHE_NAME).map((k) => caches.delete(k)))
-    )
-  );
-  self.clients.claim();
-});
-
-self.addEventListener('fetch', (event) => {
-  const { request } = event;
-  const url = new URL(request.url);
-
-  // Network-first for API calls
-  if (url.pathname.startsWith('/api/')) {
-    event.respondWith(fetch(request).catch(() => caches.match(request)));
-    return;
-  }
-
-  // Only handle http(s) requests — skip chrome-extension:// etc.
-  if (!url.protocol.startsWith('http')) return;
-
-  // Cache-first for static assets
-  if (url.pathname.startsWith('/assets/')) {
-    event.respondWith(
-      caches.match(request).then((cached) => cached || fetch(request).then((res) => {
-        const clone = res.clone();
-        caches.open(CACHE_NAME).then((cache) => cache.put(request, clone));
-        return res;
-      }))
-    );
-    return;
-  }
-
-  // Network-first for navigation, fallback to cached index.html
-  if (request.mode === 'navigate') {
-    event.respondWith(
-      fetch(request).catch(() => caches.match('/index.html'))
-    );
-    return;
-  }
-
-  // Default: network with cache fallback
-  event.respondWith(fetch(request).catch(() => caches.match(request)));
-});
-
-// --- Push Notifications ---
-
-self.addEventListener('push', (event) => {
-  if (!event.data) return;
-
-  let data;
-  try {
-    data = event.data.json();
-  } catch {
-    // Fallback for plain-text pushes (e.g. browser test pushes)
-    data = { title: 'WealthySmart', body: event.data.text() };
-  }
-
-  const options = {
-    body: data.body,
-    icon: '/icons/icon-192.png',
-    badge: '/icons/icon-192.png',
-    data: { url: data.url || '/' },
-    vibrate: [200, 100, 200],
-    tag: 'transaction',
-    renotify: true,
-  };
-
-  event.waitUntil(self.registration.showNotification(data.title, options));
-});
-
-self.addEventListener('notificationclick', (event) => {
-  event.notification.close();
-
-  const url = event.notification.data?.url || '/';
-  event.waitUntil(
-    clients.matchAll({ type: 'window', includeUncontrolled: true }).then((windowClients) => {
-      for (const client of windowClients) {
-        if (client.url.includes(self.location.origin) && 'focus' in client) {
-          client.navigate(url);
-          return client.focus();
-        }
-      }
-      return clients.openWindow(url);
-    })
-  );
+self.addEventListener("install", () => self.skipWaiting());
+self.addEventListener("activate", async () => {
+  await self.registration.unregister();
 });

frontend/server.ts

@@ -0,0 +1,416 @@
+import { serve } from "@hono/node-server";
+import { serveStatic } from "@hono/node-server/serve-static";
+import {
+  CopilotRuntime,
+  ExperimentalEmptyAdapter,
+  copilotRuntimeNextJSAppRouterEndpoint,
+} from "@copilotkit/runtime";
+import { HttpAgent, Middleware, EventType } from "@ag-ui/client";
+import { Observable } from "rxjs";
+import { Hono } from "hono";
+
+const AGENT_URL =
+  process.env.AGENT_URL ?? "http://backend:8000/api/v1/agent/agui";
+const BACKEND_URL =
+  process.env.BACKEND_URL ?? "http://localhost:8001";
+
+const isProd = process.env.NODE_ENV === "production";
+const PORT = parseInt(process.env.PORT ?? (isProd ? "3000" : "3001"));
+
+// ── pairOrphanToolCalls ──────────────────────────────────────────────────────
+// CopilotKit's browser-side store sometimes drops the tool-role message
+// between turns, producing assistant(toolCalls=[X]) → assistant(text) which
+// OpenAI rejects. Inject a synthetic empty tool response for each orphan id.
+
+interface AGUIMessage {
+  id?: string;
+  role?: string;
+  content?: unknown;
+  toolCalls?: Array<{ id?: string }>;
+  tool_calls?: Array<{ id?: string }>;
+  toolCallId?: string;
+  tool_call_id?: string;
+}
+
+function pairOrphanToolCalls(messages: AGUIMessage[]): AGUIMessage[] {
+  const out: AGUIMessage[] = [];
+  let pending: string[] = [];
+
+  const flush = () => {
+    for (const callId of pending) {
+      out.push({ id: `synth-${Math.random().toString(36).slice(2)}`, role: "tool", toolCallId: callId, content: "" });
+    }
+    pending = [];
+  };
+
+  for (const msg of messages) {
+    const role = String(msg?.role ?? "");
+    if (role === "tool") {
+      const callId = msg.toolCallId ?? msg.tool_call_id;
+      if (callId) pending = pending.filter((p) => p !== callId);
+      out.push(msg);
+      continue;
+    }
+    if (role === "assistant") {
+      flush();
+      const toolCalls = msg.toolCalls ?? msg.tool_calls ?? [];
+      out.push(msg);
+      for (const tc of toolCalls) {
+        if (tc?.id) pending.push(String(tc.id));
+      }
+      continue;
+    }
+    flush();
+    out.push(msg);
+  }
+  flush();
+  return out;
+}
+
+// ── DeduplicateToolCallMiddleware ─────────────────────────────────────────────
+// MAF re-emits TOOL_CALL_START for declaration-only calls when they are invoked
+// in parallel with other tools, causing verifyEvents to throw an AGUIError.
+// This middleware tracks completed tool calls and silently drops any duplicate
+// START/ARGS/END events for a call ID that has already been closed.
+//
+// NOTE: runNextWithState emits { event, messages, state } wrappers; always
+// extract `.event` and forward the raw BaseEvent — never the wrapper.
+
+// ── DebugLogMiddleware ──────────────────────────────────────────────────────
+// Temporary: logs every event type flowing out to diagnose double-response bug.
+
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+class DebugLogMiddleware extends (Middleware as any) {
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  run(input: any, next: any): Observable<any> {
+    // eslint-disable-next-line @typescript-eslint/no-explicit-any
+    return new Observable<any>((observer) => {
+      // eslint-disable-next-line @typescript-eslint/no-explicit-any
+      const sub = (this as any).runNextWithState(input, next).subscribe({
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        next: (eventWithState: any) => {
+          const event = eventWithState.event;
+          const type: string = event?.type ?? "";
+          const extra = event?.toolCallName ? ` [${event.toolCallName}]`
+            : event?.activityType ? ` [${event.activityType}]`
+            : event?.messageId ? ` [msg:${event.messageId.slice(0, 8)}]`
+            : "";
+          console.log(`[DBG] ${type}${extra}`);
+          if (type === EventType.MESSAGES_SNAPSHOT) {
+            const msgs = (event as any)?.messages ?? [];
+            console.log(`[DBG] SNAPSHOT msgs: ${msgs.map((m: any) => `${m.role}:${(m.id ?? "").slice(0,8)}:${typeof m.content === "string" ? m.content.length : "?"}c`).join(" | ")}`);
+          }
+          observer.next(event);
+        },
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        error: (err: any) => observer.error(err),
+        complete: () => observer.complete(),
+      });
+      return () => sub.unsubscribe();
+    });
+  }
+}
+
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+class DeduplicateToolCallMiddleware extends (Middleware as any) {
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  run(input: any, next: any): Observable<any> {
+    const open = new Set<string>();   // tool call IDs currently in progress
+    const closed = new Set<string>(); // tool call IDs that already received END
+
+    // eslint-disable-next-line @typescript-eslint/no-explicit-any
+    return new Observable<any>((observer) => {
+      // eslint-disable-next-line @typescript-eslint/no-explicit-any
+      const sub = (this as any).runNextWithState(input, next).subscribe({
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        next: (eventWithState: any) => {
+          const event = eventWithState.event; // raw BaseEvent
+          const type: string = event?.type ?? "";
+          const id: string | undefined = event?.toolCallId;
+
+          if (type === EventType.TOOL_CALL_START) {
+            if (!id || closed.has(id) || open.has(id)) return; // duplicate
+            open.add(id);
+          } else if (type === EventType.TOOL_CALL_ARGS || type === EventType.TOOL_CALL_END) {
+            if (id && closed.has(id)) return; // already completed, drop
+            if (type === EventType.TOOL_CALL_END && id) {
+              open.delete(id);
+              closed.add(id);
+            }
+          }
+
+          observer.next(event); // emit raw BaseEvent
+        },
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        error: (err: any) => observer.error(err),
+        complete: () => observer.complete(),
+      });
+      return () => sub.unsubscribe();
+    });
+  }
+}
+
+// ── StripModelArtifactsMiddleware ────────────────────────────────────────────
+// Some OpenAI models occasionally leak training-data special tokens such as
+// `<|ipynb_marker|>` into completion text. Filter them out of streamed deltas
+// before they reach the chat UI.
+
+const ARTIFACT_RE = /<\|[^|>]+\|>/g;
+
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+class StripModelArtifactsMiddleware extends (Middleware as any) {
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  run(input: any, next: any): Observable<any> {
+    // eslint-disable-next-line @typescript-eslint/no-explicit-any
+    return new Observable<any>((observer) => {
+      // eslint-disable-next-line @typescript-eslint/no-explicit-any
+      const sub = (this as any).runNextWithState(input, next).subscribe({
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        next: (eventWithState: any) => {
+          const event = eventWithState.event;
+          if (
+            event?.type === EventType.TEXT_MESSAGE_CONTENT &&
+            typeof event?.delta === "string" &&
+            ARTIFACT_RE.test(event.delta)
+          ) {
+            const cleaned = event.delta.replace(ARTIFACT_RE, "");
+            if (cleaned.length === 0) return;
+            observer.next({ ...event, delta: cleaned });
+            return;
+          }
+          observer.next(event);
+        },
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        error: (err: any) => observer.error(err),
+        complete: () => observer.complete(),
+      });
+      return () => sub.unsubscribe();
+    });
+  }
+}
+
+// ── ReconcileSnapshotMiddleware ──────────────────────────────────────────────
+// MAF's `_build_messages_snapshot` (agent_framework_ag_ui/_agent_run.py:686)
+// mints a fresh UUID for the post-tool-call assistant text instead of reusing
+// the streamed TEXT_MESSAGE_START id. The resulting MESSAGES_SNAPSHOT then
+// contains TWO assistant entries: the streamed id (holding the toolCalls) and
+// a brand-new id (holding the duplicated text). ag-ui's snapshot merge replaces
+// by id then APPENDS unknown ids, so the browser ends up with two assistant
+// bubbles for the same answer. Dropping the snapshot entirely fixes the dupe
+// but breaks render_a2ui card persistence (cards rely on the snapshot to keep
+// the assistant-with-toolCalls message in state past the run). The right fix
+// is to drop just the orphan text-only assistant message that has no streamed
+// counterpart. Remove once `_agent_run.py:686` reuses `flow.message_id`.
+
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+class ReconcileSnapshotMiddleware extends (Middleware as any) {
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  run(input: any, next: any): Observable<any> {
+    const streamedTextIds = new Set<string>();
+
+    // eslint-disable-next-line @typescript-eslint/no-explicit-any
+    return new Observable<any>((observer) => {
+      // eslint-disable-next-line @typescript-eslint/no-explicit-any
+      const sub = (this as any).runNextWithState(input, next).subscribe({
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        next: (eventWithState: any) => {
+          const event = eventWithState.event;
+          const type: string = event?.type ?? "";
+
+          if (type === EventType.TEXT_MESSAGE_START && event?.messageId) {
+            streamedTextIds.add(String(event.messageId));
+          }
+
+          if (type === EventType.MESSAGES_SNAPSHOT) {
+            // eslint-disable-next-line @typescript-eslint/no-explicit-any
+            const msgs: any[] = Array.isArray(event?.messages) ? event.messages : [];
+            const filtered = msgs.filter((m) => {
+              if (m?.role !== "assistant") return true;
+              const id = String(m?.id ?? "");
+              const hasText = typeof m?.content === "string" && m.content.length > 0;
+              const hasToolCalls =
+                (Array.isArray(m?.toolCalls) && m.toolCalls.length > 0) ||
+                (Array.isArray(m?.tool_calls) && m.tool_calls.length > 0);
+              if (hasText && !hasToolCalls && !streamedTextIds.has(id)) {
+                return false; // drop orphan text-only assistant duplicate
+              }
+              return true;
+            });
+            if (filtered.length !== msgs.length) {
+              observer.next({ ...event, messages: filtered });
+              return;
+            }
+          }
+
+          observer.next(event);
+        },
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        error: (err: any) => observer.error(err),
+        complete: () => observer.complete(),
+      });
+      return () => sub.unsubscribe();
+    });
+  }
+}
+
+// ── SuppressRenderToolTextMiddleware ──────────────────────────────────────────
+// When the LLM emits text content in the same response as a render tool call
+// (render_a2ui or render_spending_summary), the text appears as a duplicate
+// below the card. This middleware buffers TEXT_MESSAGE_* events and discards
+// them if any render tool call is detected in the same turn.
+
+const RENDER_TOOLS = new Set(["render_a2ui", "render_spending_summary"]);
+
+// eslint-disable-next-line @typescript-eslint/no-explicit-any
+class SuppressRenderToolTextMiddleware extends (Middleware as any) {
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  run(input: any, next: any): Observable<any> {
+    let renderToolSeen = false;
+    // eslint-disable-next-line @typescript-eslint/no-explicit-any
+    const textBuffer: any[] = [];
+
+    // eslint-disable-next-line @typescript-eslint/no-explicit-any
+    return new Observable<any>((observer) => {
+      // eslint-disable-next-line @typescript-eslint/no-explicit-any
+      const sub = (this as any).runNextWithState(input, next).subscribe({
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        next: (eventWithState: any) => {
+          const event = eventWithState.event; // raw BaseEvent
+          const type: string = event?.type ?? "";
+
+          if (type === EventType.TOOL_CALL_START) {
+            const toolName: string = event?.toolCallName ?? "";
+            if (RENDER_TOOLS.has(toolName)) {
+              renderToolSeen = true;
+              textBuffer.length = 0; // discard text buffered before we saw the tool call
+            }
+          }
+
+          if (
+            type === EventType.TEXT_MESSAGE_START ||
+            type === EventType.TEXT_MESSAGE_CONTENT ||
+            type === EventType.TEXT_MESSAGE_END
+          ) {
+            if (!renderToolSeen) textBuffer.push(event); // buffer raw event
+            return; // always hold — flush at turn end
+          }
+
+          if (type === EventType.RUN_FINISHED || type === EventType.RUN_ERROR) {
+            if (!renderToolSeen) {
+              for (const e of textBuffer) observer.next(e); // flush raw events
+            }
+            textBuffer.length = 0;
+            observer.next(event); // emit raw event
+            return;
+          }
+
+          observer.next(event); // emit raw event
+        },
+        // eslint-disable-next-line @typescript-eslint/no-explicit-any
+        error: (err: any) => observer.error(err),
+        complete: () => {
+          if (!renderToolSeen) {
+            for (const e of textBuffer) observer.next(e);
+          }
+          observer.complete();
+        },
+      });
+      return () => sub.unsubscribe();
+    });
+  }
+}
+
+// ── Hono app ─────────────────────────────────────────────────────────────────
+
+const app = new Hono();
+
+app.all("/api/copilotkit/*", async (c) => {
+  const cookieHeader = c.req.header("cookie") ?? "";
+  const match = cookieHeader.match(/(?:^|;\s*)ws_token=([^;]+)/);
+  const token = match?.[1];
+  const agentHeaders: Record<string, string> = token
+    ? { Authorization: `Bearer ${token}` }
+    : {};
+
+  const agent = new HttpAgent({ url: AGENT_URL, headers: agentHeaders });
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  agent.use(new SuppressRenderToolTextMiddleware() as any);
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  agent.use(new StripModelArtifactsMiddleware() as any);
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  agent.use(new ReconcileSnapshotMiddleware() as any);
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  agent.use(new DeduplicateToolCallMiddleware() as any);
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  agent.use(new DebugLogMiddleware() as any);
+
+  const runtime = new CopilotRuntime({
+    agents: { wealthysmart: agent },
+    a2ui: { injectA2UITool: true },
+    beforeRequestMiddleware: async ({ request: outbound }) => {
+      if (outbound.method !== "POST") return;
+      const ct = outbound.headers.get("content-type") ?? "";
+      if (!ct.includes("application/json")) return;
+      try {
+        const body = (await outbound.clone().json()) as { messages?: AGUIMessage[] };
+        if (!Array.isArray(body.messages)) return;
+        const paired = pairOrphanToolCalls(body.messages);
+        if (paired.length === body.messages.length) return;
+        return new Request(outbound.url, {
+          method: outbound.method,
+          headers: outbound.headers,
+          body: JSON.stringify({ ...body, messages: paired }),
+        });
+      } catch {
+        return;
+      }
+    },
+  });
+
+  const { handleRequest } = copilotRuntimeNextJSAppRouterEndpoint({
+    runtime,
+    serviceAdapter: new ExperimentalEmptyAdapter(),
+    endpoint: "/api/copilotkit",
+  });
+
+  return handleRequest(c.req.raw as Parameters<typeof handleRequest>[0]);
+});
+
+app.get("/api/health", (c) => c.json({ ok: true }));
+
+// Proxy backend API calls (FastAPI). In dev these hit Vite's proxy directly,
+// but in prod the browser talks to this Hono server, which must forward
+// `/api/v1/*` and `/api/auth/*` to the FastAPI container — otherwise the SPA
+// fallback below swallows them and returns index.html.
+const proxyToBackend = async (c: import("hono").Context) => {
+  const url = new URL(c.req.url);
+  const target = `${BACKEND_URL}${url.pathname}${url.search}`;
+  const method = c.req.method;
+  const headers = new Headers(c.req.raw.headers);
+  headers.delete("host");
+  const init: RequestInit = {
+    method,
+    headers,
+    redirect: "manual",
+  };
+  if (method !== "GET" && method !== "HEAD") {
+    init.body = c.req.raw.body;
+    // @ts-expect-error undici requires duplex for streamed bodies
+    init.duplex = "half";
+  }
+  return fetch(target, init);
+};
+
+app.all("/api/v1/*", proxyToBackend);
+app.all("/api/auth/*", proxyToBackend);
+
+// In production, serve the Vite build output.
+if (isProd) {
+  app.use("/*", serveStatic({ root: "./dist" }));
+  // SPA fallback: any non-asset path returns index.html
+  app.get("/*", serveStatic({ path: "./dist/index.html" }));
+}
+
+serve({ fetch: app.fetch, port: PORT }, (info) => {
+  console.log(`CopilotKit server on port ${info.port} [${isProd ? "prod" : "dev"}]`);
+});

frontend/src/App.tsx

@@ -1,27 +1,34 @@
-import { BrowserRouter, Routes, Route, Navigate } from 'react-router-dom';
-import { AuthProvider, useAuth } from './AuthContext';
-import { ThemeProvider } from './ThemeContext';
-import Layout from './components/Layout';
-import Login from './pages/Login';
-import Dashboard from './pages/Dashboard';
-import Budget from './pages/Budget';
-import Analytics from './pages/Analytics';
-import Salarios from './pages/Salarios';
-import Pensions from './pages/Pensions';
+import { BrowserRouter, Routes, Route, Navigate } from "react-router-dom";
+import { CopilotKit } from "@copilotkit/react-core";
+import { AuthProvider, useAuth } from "./AuthContext";
+import { ThemeProvider } from "./contexts/theme-context";
+import { PrivacyProvider } from "./contexts/privacy-context";
+import Layout from "./components/Layout";
+import LoginPage from "./pages/Login";
+import Asistente from "./pages/Asistente";
+import Analytics from "./pages/Analytics";
+import Budget from "./pages/Budget";
+import Salarios from "./pages/Salarios";
+import Pensions from "./pages/Pensions";
+import Proyecciones from "./pages/Proyecciones";
+import ServiciosMunicipales from "./pages/ServiciosMunicipales";
 
 function ProtectedRoute({ children }: { children: React.ReactNode }) {
-  const { isAuthenticated } = useAuth();
+  const { isAuthenticated, isLoading } = useAuth();
+  if (isLoading) return null;
   return isAuthenticated ? <>{children}</> : <Navigate to="/login" replace />;
 }
 
 function AppRoutes() {
-  const { isAuthenticated } = useAuth();
+  const { isAuthenticated, isLoading } = useAuth();
+
+  if (isLoading) return null;
 
   return (
     <Routes>
       <Route
         path="/login"
-        element={isAuthenticated ? <Navigate to="/" replace /> : <Login />}
+        element={isAuthenticated ? <Navigate to="/asistente" replace /> : <LoginPage />}
       />
       <Route
         element={
@@ -30,12 +37,14 @@ function AppRoutes() {
           </ProtectedRoute>
         }
       >
-        <Route path="/" element={<Dashboard />} />
+        <Route index element={<Navigate to="/asistente" replace />} />
+        <Route path="/asistente" element={<Asistente />} />
         <Route path="/budget" element={<Budget />} />
         <Route path="/analytics" element={<Analytics />} />
+        <Route path="/proyecciones" element={<Proyecciones />} />
         <Route path="/salarios" element={<Salarios />} />
         <Route path="/pensions" element={<Pensions />} />
-        {/* Redirect old routes */}
+        <Route path="/servicios-municipales" element={<ServiciosMunicipales />} />
         <Route path="/transactions" element={<Navigate to="/budget" replace />} />
         <Route path="/transfers" element={<Navigate to="/budget" replace />} />
       </Route>
@@ -47,9 +56,13 @@ export default function App() {
   return (
     <BrowserRouter>
       <ThemeProvider>
+        <PrivacyProvider>
           <AuthProvider>
+            <CopilotKit runtimeUrl="/api/copilotkit" agent="wealthysmart" a2ui={{}}>
               <AppRoutes />
+            </CopilotKit>
           </AuthProvider>
+        </PrivacyProvider>
       </ThemeProvider>
     </BrowserRouter>
   );

frontend/src/AuthContext.tsx

@@ -1,33 +1,40 @@
-import { createContext, useContext, useState, useEffect, type ReactNode } from 'react';
+import { createContext, useContext, useState, useEffect, type ReactNode } from "react";
+import { logout as apiLogout } from "@/lib/api";
 
 interface AuthCtx {
   isAuthenticated: boolean;
-  logout: () => void;
+  isLoading: boolean;
+  logout: () => Promise<void>;
   setAuthenticated: (v: boolean) => void;
 }
 
 const AuthContext = createContext<AuthCtx>({
   isAuthenticated: false,
-  logout: () => {},
+  isLoading: true,
+  logout: async () => {},
   setAuthenticated: () => {},
 });
 
 export function AuthProvider({ children }: { children: ReactNode }) {
-  const [isAuthenticated, setAuthenticated] = useState(!!localStorage.getItem('token'));
+  const [isAuthenticated, setAuthenticated] = useState(false);
+  const [isLoading, setIsLoading] = useState(true);
 
   useEffect(() => {
-    const check = () => setAuthenticated(!!localStorage.getItem('token'));
-    window.addEventListener('storage', check);
-    return () => window.removeEventListener('storage', check);
+    // Probe auth state by hitting a protected endpoint.
+    // If the ws_token cookie is valid, the server returns 200; else 401.
+    fetch("/api/v1/auth/me", { credentials: "include" })
+      .then((r) => setAuthenticated(r.ok))
+      .catch(() => setAuthenticated(false))
+      .finally(() => setIsLoading(false));
   }, []);
 
-  const logout = () => {
-    localStorage.removeItem('token');
+  const logout = async () => {
+    await apiLogout();
     setAuthenticated(false);
   };
 
   return (
-    <AuthContext.Provider value={{ isAuthenticated, logout, setAuthenticated }}>
+    <AuthContext.Provider value={{ isAuthenticated, isLoading, logout, setAuthenticated }}>
       {children}
     </AuthContext.Provider>
   );

frontend/src/ThemeContext.tsx

@@ -1,31 +0,0 @@
-import { createContext, useContext, useEffect, useState } from 'react';
-
-type Theme = 'light' | 'dark';
-
-const ThemeContext = createContext<{
-  theme: Theme;
-  toggleTheme: () => void;
-}>({ theme: 'dark', toggleTheme: () => {} });
-
-export function ThemeProvider({ children }: { children: React.ReactNode }) {
-  const [theme, setTheme] = useState<Theme>(() => {
-    const saved = localStorage.getItem('theme') as Theme;
-    if (saved) return saved;
-    return window.matchMedia('(prefers-color-scheme: dark)').matches ? 'dark' : 'light';
-  });
-
-  useEffect(() => {
-    document.documentElement.classList.toggle('dark', theme === 'dark');
-    localStorage.setItem('theme', theme);
-  }, [theme]);
-
-  const toggleTheme = () => setTheme((t) => (t === 'dark' ? 'light' : 'dark'));
-
-  return (
-    <ThemeContext.Provider value={{ theme, toggleTheme }}>
-      {children}
-    </ThemeContext.Provider>
-  );
-}
-
-export const useTheme = () => useContext(ThemeContext);

frontend/src/api.ts

@@ -1,280 +0,0 @@
-import axios from 'axios';
-
-const api = axios.create({
-  baseURL: import.meta.env.VITE_API_URL || '/api/v1',
-});
-
-api.interceptors.request.use((config) => {
-  const token = localStorage.getItem('token');
-  if (token) config.headers.Authorization = `Bearer ${token}`;
-  return config;
-});
-
-api.interceptors.response.use(
-  (res) => res,
-  (err) => {
-    if (err.response?.status === 401) {
-      localStorage.removeItem('token');
-      window.location.href = '/login';
-    }
-    return Promise.reject(err);
-  },
-);
-
-export default api;
-
-export async function login(username: string, password: string) {
-  const form = new URLSearchParams();
-  form.append('username', username);
-  form.append('password', password);
-  const { data } = await api.post('/auth/login', form);
-  localStorage.setItem('token', data.access_token);
-  return data;
-}
-
-export interface Account {
-  id: number;
-  bank: string;
-  currency: string;
-  label: string;
-  balance: number;
-  account_type: string;
-  next_payment: number | null;
-  updated_at: string;
-}
-
-export interface Category {
-  id: number;
-  name: string;
-  icon: string;
-  auto_match_patterns: string | null;
-}
-
-export interface ImportResult {
-  imported: number;
-  duplicates: number;
-  errors: string[];
-}
-
-// --- User Settings ---
-
-export interface SectionSettings {
-  label: string;
-  color: string;
-  cardColor: string;
-  visible: boolean;
-  order: number;
-  expanded: boolean;
-}
-
-export interface DashboardSettings {
-  sections: Record<string, SectionSettings>;
-}
-
-export interface UserSettingsData {
-  dashboard: DashboardSettings;
-}
-
-export interface UserSettingsResponse {
-  key: string;
-  data: UserSettingsData;
-  updated_at: string;
-}
-
-export const getSettings = () => api.get<UserSettingsResponse>('/settings/');
-export const updateSettings = (data: UserSettingsData) => api.patch<UserSettingsResponse>('/settings/', { data });
-
-export interface Transaction {
-  id: number;
-  amount: number;
-  currency: string;
-  merchant: string;
-  city: string | null;
-  date: string;
-  card_type: string | null;
-  card_last4: string | null;
-  authorization_code: string | null;
-  reference: string | null;
-  transaction_type: string;
-  source: string;
-  bank: string;
-  notes: string | null;
-  category_id: number | null;
-  category: Category | null;
-  created_at: string;
-}
-
-// --- Budget / Recurring Items ---
-
-export type RecurringItemType = 'INCOME' | 'EXPENSE' | 'SAVINGS';
-export type RecurringFrequency = 'WEEKLY' | 'MONTHLY' | 'QUARTERLY' | 'BIANNUAL' | 'YEARLY';
-
-export interface RecurringItem {
-  id: number;
-  name: string;
-  amount: number;
-  currency: string;
-  item_type: RecurringItemType;
-  frequency: RecurringFrequency;
-  day_of_month: number | null;
-  month_of_year: number | null;
-  override_amounts: Record<string, number> | null;
-  category_id: number | null;
-  is_active: boolean;
-  notes: string | null;
-  created_at: string;
-  category: Category | null;
-}
-
-export interface RecurringItemCreate {
-  name: string;
-  amount: number;
-  currency?: string;
-  item_type: RecurringItemType;
-  frequency?: RecurringFrequency;
-  day_of_month?: number | null;
-  month_of_year?: number | null;
-  override_amounts?: Record<string, number> | null;
-  category_id?: number | null;
-  is_active?: boolean;
-  notes?: string | null;
-}
-
-export interface RecurringItemUpdate {
-  name?: string;
-  amount?: number;
-  currency?: string;
-  item_type?: RecurringItemType;
-  frequency?: RecurringFrequency;
-  day_of_month?: number | null;
-  month_of_year?: number | null;
-  override_amounts?: Record<string, number> | null;
-  category_id?: number | null;
-  is_active?: boolean;
-  notes?: string | null;
-}
-
-export interface RecurringItemDetail {
-  id: number;
-  name: string;
-  amount: number;
-  projected_amount: number | null;
-  used_actual: boolean;
-  item_type: string;
-  frequency: string;
-  category_name: string | null;
-  category_id: number | null;
-}
-
-export interface ActualsBySource {
-  source: string;
-  total_compra: number;
-  total_devolucion: number;
-  net: number;
-  count: number;
-}
-
-export interface MonthlyProjection {
-  month: number;
-  year: number;
-  projected_income: number;
-  projected_fixed_expenses: number;
-  projected_savings: number;
-  actual_credit_card: number;
-  actual_cash: number;
-  actual_transfers: number;
-  uncovered_actual: number;
-  gran_total_egresos: number;
-  net_balance: number;
-}
-
-export interface YearlyProjection {
-  year: number;
-  months: MonthlyProjection[];
-  annual_income: number;
-  annual_expenses: number;
-  annual_savings: number;
-  annual_net: number;
-}
-
-export interface MonthlyDetail {
-  year: number;
-  month: number;
-  income_items: RecurringItemDetail[];
-  expense_items: RecurringItemDetail[];
-  savings_items: RecurringItemDetail[];
-  actuals_by_source: ActualsBySource[];
-  total_projected_income: number;
-  total_projected_expenses: number;
-  total_projected_savings: number;
-  uncovered_actual: number;
-  gran_total_egresos: number;
-  net_balance: number;
-}
-
-// Budget API functions
-export const getRecurringItems = (params?: { item_type?: string; is_active?: boolean }) =>
-  api.get<RecurringItem[]>('/budget/recurring', { params });
-export const createRecurringItem = (data: RecurringItemCreate) =>
-  api.post<RecurringItem>('/budget/recurring', data);
-export const updateRecurringItem = (id: number, data: RecurringItemUpdate) =>
-  api.patch<RecurringItem>(`/budget/recurring/${id}`, data);
-export const deleteRecurringItem = (id: number) =>
-  api.delete(`/budget/recurring/${id}`);
-export const getYearlyProjection = (year: number) =>
-  api.get<YearlyProjection>(`/budget/projection/${year}`);
-export const getMonthlyDetail = (year: number, month: number) =>
-  api.get<MonthlyDetail>(`/budget/month/${year}/${month}`);
-
-// --- Salarios ---
-
-export interface SalariosSummary {
-  count: number;
-  total_amount: number;
-  latest_date: string | null;
-}
-
-export const getSalarios = (params?: { limit?: number; offset?: number }) =>
-  api.get<Transaction[]>('/salarios/', { params });
-export const getSalariosSummary = () =>
-  api.get<SalariosSummary>('/salarios/summary');
-
-// --- Pensions ---
-
-export interface PensionSnapshot {
-  id: number;
-  fund: string;
-  contract_number: string;
-  period_start: string;
-  period_end: string;
-  saldo_anterior: number;
-  aportes: number;
-  rendimientos: number;
-  retiros: number;
-  traslados: number;
-  comision: number;
-  correccion: number;
-  bonificacion: number;
-  saldo_final: number;
-  source_filename: string;
-  created_at: string;
-}
-
-export interface PensionUploadResult {
-  imported: number;
-  duplicates: number;
-  errors: string[];
-  snapshots: PensionSnapshot[];
-}
-
-export const uploadPensionPDFs = (files: File[]) => {
-  const form = new FormData();
-  files.forEach((f) => form.append('files', f));
-  return api.post<PensionUploadResult>('/pensions/upload', form);
-};
-
-export const getPensionSnapshots = () =>
-  api.get<PensionSnapshot[]>('/pensions/snapshots');
-
-export const getPensionFundSummary = () =>
-  api.get<PensionSnapshot[]>('/pensions/fund-summary');

frontend/src/components/AgentHomeClient.tsx

@@ -0,0 +1,39 @@
+"use client";
+
+import { CopilotChat } from "@copilotkit/react-ui";
+import { Sparkles } from "lucide-react";
+
+const SUGGESTIONS = [
+  { title: "¿Cuál es mi saldo neto hoy?", message: "¿Cuál es mi saldo neto hoy?" },
+  { title: "¿Cuánto gasté en el ciclo anterior?", message: "¿Cuánto gasté en el ciclo anterior?" },
+  { title: "Últimas 10 transacciones", message: "Muéstrame mis últimas 10 transacciones" },
+  { title: "¿Cómo va mi pensión?", message: "¿Cómo va mi pensión?" },
+];
+
+export default function AgentHomeClient() {
+  return (
+    <div className="flex flex-col h-[calc(100vh-105px)]">
+      <div className="mb-4">
+        <h1 className="text-2xl font-bold tracking-tight font-heading flex items-center gap-2">
+          <Sparkles className="w-5 h-5 text-primary" />
+          Asistente
+        </h1>
+        <p className="text-sm text-muted-foreground">
+          Pregúntale a WealthySmart sobre tus finanzas.
+        </p>
+      </div>
+
+      <div className="flex-1 min-h-0 rounded-xl border border-border overflow-hidden bg-card">
+        <CopilotChat
+          className="h-full"
+          labels={{
+            title: "WealthySmart",
+            initial: "¿Qué quieres saber sobre tus finanzas?",
+            placeholder: "Escribe tu pregunta…",
+          }}
+          suggestions={SUGGESTIONS}
+        />
+      </div>
+    </div>
+  );
+}

frontend/src/components/BillingCycleSelector.tsx

@@ -1,6 +1,6 @@
 import { useEffect, useState } from 'react';
 import { Calendar } from 'lucide-react';
-import api from '../api';
+import api from '@/lib/api';
 import {
   Select,
   SelectContent,

frontend/src/components/DashboardSection.tsx

@@ -1,76 +0,0 @@
-import { Settings } from 'lucide-react';
-import type { SectionSettings } from '../api';
-import { formatAmount } from '@/lib/format';
-import { Card } from '@/components/ui/card';
-import {
-  Accordion,
-  AccordionItem,
-  AccordionTrigger,
-  AccordionContent,
-} from '@/components/ui/accordion';
-import { getColorClasses } from '@/lib/colors';
-import { cn } from '@/lib/utils';
-
-interface Props {
-  sectionId: string;
-  settings: SectionSettings;
-  total?: number;
-  totalCurrency?: string;
-  onToggleExpanded: (expanded: boolean) => void;
-  onOpenConfig: () => void;
-  children: React.ReactNode;
-}
-
-export default function DashboardSection({
-  sectionId,
-  settings,
-  total,
-  totalCurrency,
-  onToggleExpanded,
-  onOpenConfig,
-  children,
-}: Props) {
-  const colors = getColorClasses(settings.color);
-
-  return (
-    <Card className={cn('relative overflow-hidden border-l-4', colors.borderLeft)}>
-      {/* Settings icon — outside accordion trigger to avoid button-in-button */}
-      <button
-        onClick={onOpenConfig}
-        className="absolute top-2.5 right-3 z-10 p-1 rounded text-muted-foreground hover:text-foreground hover:bg-muted/50 transition-colors cursor-pointer"
-        title="Section settings"
-        aria-label="Section settings"
-      >
-        <Settings className="w-3.5 h-3.5" />
-      </button>
-
-      <Accordion
-        value={settings.expanded ? [sectionId] : []}
-        onValueChange={(value: string[]) => onToggleExpanded(value.includes(sectionId))}
-      >
-        <AccordionItem value={sectionId} className="border-none">
-          <AccordionTrigger
-            className="px-4 py-3 hover:no-underline cursor-pointer"
-            aria-label={`Expand ${settings.label}`}
-          >
-            <div className="flex items-center justify-between w-full pr-8">
-              <span className="text-sm font-semibold text-foreground">
-                {settings.label}
-              </span>
-              {total != null && totalCurrency && (
-                <span className="text-sm font-bold font-mono text-foreground">
-                  {formatAmount(total, totalCurrency)}
-                </span>
-              )}
-            </div>
-          </AccordionTrigger>
-          <AccordionContent>
-            <div className="divide-y divide-border mx-4 mb-4 rounded-lg overflow-hidden">
-              {children}
-            </div>
-          </AccordionContent>
-        </AccordionItem>
-      </Accordion>
-    </Card>
-  );
-}

frontend/src/components/Layout.tsx

@@ -1,93 +1,139 @@
-import { NavLink, Outlet, useNavigate } from 'react-router-dom';
+import { useState, useEffect } from "react";
+import { Link, Outlet, useLocation, useNavigate } from "react-router-dom";
 import {
-  LayoutDashboard,
+  Sparkles,
   Calculator,
   BarChart3,
   Landmark,
   PiggyBank,
+  Droplets,
   LogOut,
+  TrendingUp,
   Wallet,
   Menu,
   Sun,
   Moon,
-} from 'lucide-react';
-import { useEffect, useState } from 'react';
-import { useAuth } from '../AuthContext';
-import { useTheme } from '../ThemeContext';
-import { subscribeToPush } from '../pushNotifications';
-import { Button } from '@/components/ui/button';
+  Eye,
+  EyeOff,
+  type LucideIcon,
+} from "lucide-react";
+import { useTheme } from "@/contexts/theme-context";
+import { usePrivacy } from "@/contexts/privacy-context";
+import { useAuth } from "@/AuthContext";
+import { Button } from "@/components/ui/button";
 import {
   Sheet,
   SheetContent,
   SheetHeader,
   SheetTitle,
   SheetClose,
-} from '@/components/ui/sheet';
-import { Separator } from '@/components/ui/separator';
-import { cn } from '@/lib/utils';
+} from "@/components/ui/sheet";
+import { Separator } from "@/components/ui/separator";
+import { cn } from "@/lib/utils";
 
-const navItems = [
-  { to: '/', icon: LayoutDashboard, label: 'Dashboard' },
-  { to: '/budget', icon: Calculator, label: 'Presupuesto' },
-  { to: '/salarios', icon: Landmark, label: 'Salarios' },
-  { to: '/pensions', icon: PiggyBank, label: 'Pensiones' },
-  { to: '/analytics', icon: BarChart3, label: 'Analytics' },
+interface NavSection {
+  label: string;
+  items: { to: string; icon: LucideIcon; label: string }[];
+}
+
+const navSections: NavSection[] = [
+  {
+    label: "General",
+    items: [{ to: "/asistente", icon: Sparkles, label: "Asistente" }],
+  },
+  {
+    label: "Finanzas",
+    items: [
+      { to: "/budget", icon: Calculator, label: "Presupuesto" },
+      { to: "/salarios", icon: Landmark, label: "Salarios" },
+      { to: "/pensions", icon: PiggyBank, label: "Pensiones" },
+      { to: "/proyecciones", icon: TrendingUp, label: "Proyecciones" },
+      { to: "/analytics", icon: BarChart3, label: "Analytics" },
+    ],
+  },
+  {
+    label: "Servicios",
+    items: [
+      { to: "/servicios-municipales", icon: Droplets, label: "Municipalidad" },
+    ],
+  },
 ];
 
+function SidebarNav({ onNavigate }: { onNavigate?: () => void }) {
+  const { pathname } = useLocation();
+  const isActive = (to: string) =>
+    pathname === to || pathname.startsWith(`${to}/`);
+
+  return (
+    <nav className="flex flex-col gap-0.5 px-3">
+      {navSections.map((section) => (
+        <div key={section.label}>
+          <p className="text-xs font-medium text-muted-foreground uppercase tracking-wider px-3 pt-4 pb-1">
+            {section.label}
+          </p>
+          {section.items.map(({ to, icon: Icon, label }) => (
+            <Link
+              key={to}
+              to={to}
+              onClick={onNavigate}
+              className={cn(
+                "flex items-center gap-3 px-3 py-2 rounded-lg text-sm font-medium transition-colors",
+                isActive(to)
+                  ? "bg-primary/10 text-primary"
+                  : "text-muted-foreground hover:text-foreground hover:bg-muted",
+              )}
+            >
+              <Icon className="w-4 h-4" />
+              {label}
+            </Link>
+          ))}
+        </div>
+      ))}
+    </nav>
+  );
+}
+
 export default function Layout() {
-  const { logout } = useAuth();
   const { theme, toggleTheme } = useTheme();
+  const { privacyMode, togglePrivacy } = usePrivacy();
+  const { logout } = useAuth();
   const navigate = useNavigate();
   const [mobileOpen, setMobileOpen] = useState(false);
 
-  useEffect(() => {
-    subscribeToPush();
-  }, []);
-
-  const handleLogout = () => {
-    logout();
-    navigate('/login');
+  const handleLogout = async () => {
+    await logout();
+    navigate("/login", { replace: true });
   };
 
   return (
     <div className="min-h-screen bg-background text-foreground">
-      {/* Top bar */}
       <header className="border-b border-border backdrop-blur-sm sticky top-0 z-50 bg-background/90">
-        <div className="max-w-7xl mx-auto px-4 sm:px-6 py-3 flex items-center justify-between">
+        <div className="px-4 sm:px-6 py-3 flex items-center justify-between">
           <div className="flex items-center gap-2.5">
+            <Button
+              variant="ghost"
+              size="icon"
+              onClick={() => setMobileOpen(true)}
+              title="Open menu"
+              aria-label="Open menu"
+              className="md:hidden"
+            >
+              <Menu className="w-5 h-5" />
+            </Button>
             <div className="w-8 h-8 rounded-lg bg-primary flex items-center justify-center">
               <Wallet className="w-4 h-4 text-primary-foreground" strokeWidth={2.5} />
             </div>
-            <span className="text-lg font-bold tracking-tight hidden sm:inline font-heading">
+            <span className="text-lg font-bold tracking-tight hidden sm:inline" style={{ fontFamily: "var(--font-heading)" }}>
               Wealthy<span className="text-primary">Smart</span>
             </span>
           </div>
 
-          {/* Desktop nav */}
-          <nav className="hidden md:flex items-center gap-1">
-            {navItems.map(({ to, icon: Icon, label }) => (
-              <NavLink
-                key={to}
-                to={to}
-                end={to === '/'}
-                className={({ isActive }) =>
-                  cn(
-                    'flex items-center gap-2 px-4 py-2 rounded-lg text-sm font-medium transition-colors',
-                    isActive
-                      ? 'bg-primary/10 text-primary'
-                      : 'text-muted-foreground hover:text-foreground hover:bg-muted'
-                  )
-                }
-              >
-                <Icon className="w-4 h-4" />
-                {label}
-              </NavLink>
-            ))}
-          </nav>
-
           <div className="flex items-center gap-1">
+            <Button variant="ghost" size="icon" onClick={togglePrivacy} title="Toggle privacy mode" aria-label="Toggle privacy mode">
+              {privacyMode ? <EyeOff className="w-4 h-4" /> : <Eye className="w-4 h-4" />}
+            </Button>
             <Button variant="ghost" size="icon" onClick={toggleTheme} title="Toggle theme" aria-label="Toggle theme">
-              {theme === 'dark' ? <Sun className="w-4 h-4" /> : <Moon className="w-4 h-4" />}
+              {theme === "dark" ? <Sun className="w-4 h-4" /> : <Moon className="w-4 h-4" />}
             </Button>
             <Button
               variant="ghost"
@@ -99,70 +145,69 @@ export default function Layout() {
             >
               <LogOut className="w-4 h-4" />
             </Button>
-            <Button
-              variant="ghost"
-              size="icon"
-              onClick={() => setMobileOpen(true)}
-              title="Open menu"
-              aria-label="Open menu"
-              className="md:hidden"
-            >
-              <Menu className="w-5 h-5" />
-            </Button>
           </div>
         </div>
       </header>
 
-      {/* Mobile nav sheet */}
+      <div className="flex">
+        <aside className="hidden md:flex md:flex-col md:w-56 md:flex-shrink-0 border-r border-border sticky top-[57px] h-[calc(100vh-57px)] overflow-y-auto bg-background">
+          <div className="flex-1">
+            <SidebarNav />
+          </div>
+          <div className="px-3 pb-4">
+            <Separator className="mb-2" />
+            <button
+              onClick={handleLogout}
+              className="flex items-center gap-3 px-3 py-2 rounded-lg text-sm font-medium text-muted-foreground hover:text-foreground hover:bg-muted w-full cursor-pointer focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-ring"
+            >
+              <LogOut className="w-4 h-4" />
+              Cerrar sesión
+            </button>
+          </div>
+        </aside>
+
         <Sheet open={mobileOpen} onOpenChange={setMobileOpen}>
-        <SheetContent side="left" className="p-0">
+          <SheetContent side="left" className="p-0 w-64">
             <SheetHeader className="p-4">
               <SheetTitle className="flex items-center gap-2.5">
                 <div className="w-8 h-8 rounded-lg bg-primary flex items-center justify-center">
                   <Wallet className="w-4 h-4 text-primary-foreground" strokeWidth={2.5} />
                 </div>
-              <span className="font-heading">
+                <span style={{ fontFamily: "var(--font-heading)" }}>
                   Wealthy<span className="text-primary">Smart</span>
                 </span>
               </SheetTitle>
             </SheetHeader>
             <Separator />
-          <nav className="flex flex-col gap-1 p-4">
-            {navItems.map(({ to, icon: Icon, label }) => (
-              <SheetClose key={to} render={<span />}>
-                <NavLink
-                  to={to}
-                  end={to === '/'}
-                  onClick={() => setMobileOpen(false)}
-                  className={({ isActive }) =>
-                    cn(
-                      'flex items-center gap-3 px-4 py-3 rounded-lg text-sm font-medium transition-colors',
-                      isActive
-                        ? 'bg-primary/10 text-primary'
-                        : 'text-muted-foreground hover:text-foreground hover:bg-muted'
-                    )
-                  }
-                >
-                  <Icon className="w-4 h-4" />
-                  {label}
-                </NavLink>
-              </SheetClose>
-            ))}
-            <Separator className="my-2" />
+            <div className="flex flex-col h-[calc(100%-65px)]">
+              <div className="flex-1 overflow-y-auto">
+                <SidebarNav onNavigate={() => setMobileOpen(false)} />
+              </div>
+              <div className="px-3 pb-4">
+                <Separator className="mb-2" />
+                <SheetClose render={<span />}>
                   <button
-              onClick={handleLogout}
-              className="flex items-center gap-3 px-4 py-3 rounded-lg text-sm font-medium text-muted-foreground hover:text-foreground hover:bg-muted w-full"
+                    onClick={() => {
+                      setMobileOpen(false);
+                      void handleLogout();
+                    }}
+                    className="flex items-center gap-3 px-3 py-2 rounded-lg text-sm font-medium text-muted-foreground hover:text-foreground hover:bg-muted w-full cursor-pointer"
                   >
                     <LogOut className="w-4 h-4" />
-              Sign out
+                    Cerrar sesión
                   </button>
-          </nav>
+                </SheetClose>
+              </div>
+            </div>
           </SheetContent>
         </Sheet>
 
-      <main className="max-w-7xl mx-auto px-4 sm:px-6 py-6">
+        <main className="flex-1 min-w-0 px-4 sm:px-6 lg:px-8 py-6">
+          <div className="max-w-6xl mx-auto">
             <Outlet />
+          </div>
         </main>
       </div>
+    </div>
   );
 }

frontend/src/components/PasteImportModal.tsx

@@ -1,6 +1,6 @@
 import { useState } from 'react';
 import { ClipboardPaste, CheckCircle, AlertTriangle } from 'lucide-react';
-import api, { type ImportResult } from '../api';
+import api, { type ImportResult } from '@/lib/api';
 import { Button } from '@/components/ui/button';
 import { Label } from '@/components/ui/label';
 import { Textarea } from '@/components/ui/textarea';

frontend/src/components/PensionManualEntryModal.tsx

@@ -0,0 +1,165 @@
+import { useState } from 'react';
+import { ClipboardPaste, CheckCircle, AlertTriangle } from 'lucide-react';
+import { type PensionUploadResult, submitPensionManualEntries } from '@/lib/api';
+import { parsePensionPaste, type PensionParsedEntry } from '@/lib/parsePensionPaste';
+import { Button } from '@/components/ui/button';
+import { Label } from '@/components/ui/label';
+import { Textarea } from '@/components/ui/textarea';
+import {
+  Dialog,
+  DialogContent,
+  DialogHeader,
+  DialogTitle,
+  DialogFooter,
+} from '@/components/ui/dialog';
+import { Alert, AlertDescription, AlertTitle } from '@/components/ui/alert';
+
+interface Props {
+  onClose: () => void;
+  onImported: () => void;
+}
+
+const formatCRC = (n: number) =>
+  new Intl.NumberFormat('es-CR', {
+    style: 'currency',
+    currency: 'CRC',
+    maximumFractionDigits: 0,
+  }).format(n);
+
+const FUND_LABELS: Record<string, string> = {
+  ROP: 'ROP',
+  FCL: 'FCL',
+  VOL: 'Voluntario',
+};
+
+export default function PensionManualEntryModal({ onClose, onImported }: Props) {
+  const [text, setText] = useState('');
+  const [parsed, setParsed] = useState<PensionParsedEntry[] | null>(null);
+  const [parseError, setParseError] = useState('');
+  const [submitting, setSubmitting] = useState(false);
+  const [result, setResult] = useState<PensionUploadResult | null>(null);
+
+  const handlePreview = () => {
+    setParseError('');
+    const entries = parsePensionPaste(text);
+    if (entries.length === 0) {
+      setParseError('No se encontraron datos de fondos. Verifica que el texto pegado tenga el formato correcto.');
+      setParsed(null);
+      return;
+    }
+    setParsed(entries);
+  };
+
+  const handleSubmit = async () => {
+    if (!parsed) return;
+    setSubmitting(true);
+    try {
+      const { data } = await submitPensionManualEntries(parsed);
+      setResult(data);
+      if (data.imported > 0 || data.updated > 0) onImported();
+    } catch (err) {
+      console.error(err);
+    } finally {
+      setSubmitting(false);
+    }
+  };
+
+  return (
+    <Dialog open onOpenChange={(open) => { if (!open) onClose(); }}>
+      <DialogContent className="sm:max-w-2xl max-h-[90vh] overflow-y-auto">
+        <DialogHeader>
+          <DialogTitle className="flex items-center gap-2">
+            <ClipboardPaste className="w-4 h-4 text-primary" />
+            Ingresar Datos de Pensión
+          </DialogTitle>
+        </DialogHeader>
+
+        {result ? (
+          <div className="space-y-4">
+            <Alert>
+              <CheckCircle className="h-4 w-4 text-primary" />
+              <AlertTitle className="text-primary">Datos Guardados</AlertTitle>
+              <AlertDescription>
+                {result.imported > 0 && `${result.imported} nuevo(s)`}
+                {result.imported > 0 && result.updated > 0 && ' · '}
+                {result.updated > 0 && `${result.updated} actualizado(s)`}
+              </AlertDescription>
+            </Alert>
+            <Button onClick={onClose} className="w-full">Listo</Button>
+          </div>
+        ) : !parsed ? (
+          <div className="space-y-4">
+            <div className="space-y-2">
+              <Label>Pegar resumen del período</Label>
+              <Textarea
+                className="h-56 font-mono text-xs resize-y"
+                value={text}
+                onChange={(e) => setText(e.target.value)}
+                placeholder={`Pega aquí el texto del resumen de BAC Pensiones.\n\nEjemplo:\nResumen del Período\tROP\tFCL\nSaldo Anterior\t¢ 18,684,764.98\t¢ 650,467.87\nAportes\t¢ 120,012.00\t¢ 60,006.00\n...\n\nSepara ROP+FCL y Voluntario con una línea "---"`}
+              />
+              <p className="text-xs text-muted-foreground">
+                Pega los bloques de ROP+FCL y Fondo Voluntario. Sepáralos con "---".
+              </p>
+            </div>
+
+            {parseError && (
+              <Alert variant="destructive">
+                <AlertTriangle className="h-4 w-4" />
+                <AlertDescription>{parseError}</AlertDescription>
+              </Alert>
+            )}
+
+            <DialogFooter>
+              <Button variant="outline" onClick={onClose}>Cancelar</Button>
+              <Button onClick={handlePreview} disabled={!text.trim()}>
+                Vista Previa
+              </Button>
+            </DialogFooter>
+          </div>
+        ) : (
+          <div className="space-y-4">
+            <div className="rounded-md border overflow-x-auto">
+              <table className="w-full text-sm">
+                <thead>
+                  <tr className="border-b bg-muted/50">
+                    <th className="text-left px-3 py-2 font-medium">Fondo</th>
+                    <th className="text-left px-3 py-2 font-medium">Período</th>
+                    <th className="text-right px-3 py-2 font-medium">Saldo Ant.</th>
+                    <th className="text-right px-3 py-2 font-medium">Aportes</th>
+                    <th className="text-right px-3 py-2 font-medium">Rendim.</th>
+                    <th className="text-right px-3 py-2 font-medium">Saldo Final</th>
+                  </tr>
+                </thead>
+                <tbody>
+                  {parsed.map((e, i) => (
+                    <tr key={i} className="border-b last:border-0">
+                      <td className="px-3 py-2 font-medium">{FUND_LABELS[e.fund] ?? e.fund}</td>
+                      <td className="px-3 py-2 text-muted-foreground text-xs">
+                        {e.period_start} — {e.period_end}
+                      </td>
+                      <td className="px-3 py-2 text-right font-mono text-xs">{formatCRC(e.saldo_anterior)}</td>
+                      <td className="px-3 py-2 text-right font-mono text-xs">{formatCRC(e.aportes)}</td>
+                      <td className={`px-3 py-2 text-right font-mono text-xs ${e.rendimientos < 0 ? 'text-red-500' : 'text-green-600'}`}>
+                        {formatCRC(e.rendimientos)}
+                      </td>
+                      <td className="px-3 py-2 text-right font-mono text-xs font-semibold">{formatCRC(e.saldo_final)}</td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+            </div>
+
+            <DialogFooter>
+              <Button variant="outline" onClick={() => setParsed(null)}>
+                Editar
+              </Button>
+              <Button onClick={handleSubmit} disabled={submitting}>
+                {submitting ? 'Guardando...' : 'Confirmar'}
+              </Button>
+            </DialogFooter>
+          </div>
+        )}
+      </DialogContent>
+    </Dialog>
+  );
+}

frontend/src/components/SectionConfigDialog.tsx

@@ -1,137 +0,0 @@
-import { useState } from 'react';
-import type { SectionSettings } from '../api';
-import { Button } from '@/components/ui/button';
-import { Input } from '@/components/ui/input';
-import { Label } from '@/components/ui/label';
-import {
-  Dialog,
-  DialogContent,
-  DialogHeader,
-  DialogTitle,
-  DialogFooter,
-} from '@/components/ui/dialog';
-import {
-  Select,
-  SelectContent,
-  SelectItem,
-  SelectTrigger,
-  SelectValue,
-} from '@/components/ui/select';
-import { COLOR_OPTIONS, getColorClasses } from '@/lib/colors';
-import { cn } from '@/lib/utils';
-
-interface Props {
-  sectionId: string;
-  settings: SectionSettings;
-  open: boolean;
-  onOpenChange: (open: boolean) => void;
-  onSave: (sectionId: string, updated: Partial<SectionSettings>) => void;
-}
-
-function ColorSwatch({ color }: { color: string }) {
-  const classes = getColorClasses(color);
-  return (
-    <span className="flex items-center gap-2">
-      <span className={cn('w-3 h-3 rounded-full', classes.bg, classes.ring, 'ring-1')} />
-      {color}
-    </span>
-  );
-}
-
-export default function SectionConfigDialog({ sectionId, settings, open, onOpenChange, onSave }: Props) {
-  const [label, setLabel] = useState(settings.label);
-  const [color, setColor] = useState(settings.color);
-  const [cardColor, setCardColor] = useState(settings.cardColor);
-  const [visible, setVisible] = useState(settings.visible);
-  const [order, setOrder] = useState(String(settings.order));
-
-  const handleSave = () => {
-    onSave(sectionId, {
-      label,
-      color,
-      cardColor,
-      visible,
-      order: parseInt(order) || 0,
-    });
-    onOpenChange(false);
-  };
-
-  return (
-    <Dialog open={open} onOpenChange={onOpenChange}>
-      <DialogContent className="sm:max-w-md">
-        <DialogHeader>
-          <DialogTitle>Configure Section</DialogTitle>
-        </DialogHeader>
-
-        <div className="space-y-4">
-          <div className="space-y-2">
-            <Label>Label</Label>
-            <Input value={label} onChange={(e) => setLabel(e.target.value)} />
-          </div>
-
-          <div className="space-y-2">
-            <Label>Section Color</Label>
-            <Select value={color} onValueChange={setColor}>
-              <SelectTrigger className="w-full">
-                <SelectValue />
-              </SelectTrigger>
-              <SelectContent>
-                {COLOR_OPTIONS.map((c) => (
-                  <SelectItem key={c} value={c}>
-                    <ColorSwatch color={c} />
-                  </SelectItem>
-                ))}
-              </SelectContent>
-            </Select>
-          </div>
-
-          <div className="space-y-2">
-            <Label>Card Color</Label>
-            <Select value={cardColor} onValueChange={setCardColor}>
-              <SelectTrigger className="w-full">
-                <SelectValue />
-              </SelectTrigger>
-              <SelectContent>
-                {COLOR_OPTIONS.map((c) => (
-                  <SelectItem key={c} value={c}>
-                    <ColorSwatch color={c} />
-                  </SelectItem>
-                ))}
-              </SelectContent>
-            </Select>
-          </div>
-
-          <div className="flex items-center gap-3">
-            <Label htmlFor={`visible-${sectionId}`}>Visible</Label>
-            <input
-              id={`visible-${sectionId}`}
-              type="checkbox"
-              checked={visible}
-              onChange={(e) => setVisible(e.target.checked)}
-              className="h-4 w-4 rounded border-input accent-primary cursor-pointer"
-            />
-          </div>
-
-          <div className="space-y-2">
-            <Label>Order</Label>
-            <Input
-              type="number"
-              min="0"
-              max="10"
-              value={order}
-              onChange={(e) => setOrder(e.target.value)}
-              className="w-20"
-            />
-          </div>
-        </div>
-
-        <DialogFooter>
-          <Button variant="outline" onClick={() => onOpenChange(false)}>
-            Cancel
-          </Button>
-          <Button onClick={handleSave}>Save</Button>
-        </DialogFooter>
-      </DialogContent>
-    </Dialog>
-  );
-}

frontend/src/components/TransactionList.tsx

@@ -7,9 +7,11 @@ import {
   TrendingUp,
   TrendingDown,
   ArrowLeftRight,
+  ArrowRightFromLine,
+  Banknote,
 } from 'lucide-react';
 
-import api, { type Transaction } from '../api';
+import api, { type Transaction } from '@/lib/api';
 import TransactionModal from './TransactionModal';
 import ConfirmDialog from './ConfirmDialog';
 import { Button } from '@/components/ui/button';
@@ -30,7 +32,9 @@ export interface TransactionListProps {
   emptyIcon?: React.ReactNode;
   emptyMessage?: string;
   showCategory?: boolean;
+  showSourceIcon?: boolean;
   addLabel?: string;
+  onToggleDeferred?: (tx: Transaction) => void;
 }
 
 export default function TransactionList({
@@ -43,7 +47,9 @@ export default function TransactionList({
   emptyIcon,
   emptyMessage = 'No transactions found',
   showCategory = true,
+  showSourceIcon = false,
   addLabel = 'Add Transaction',
+  onToggleDeferred,
 }: TransactionListProps) {
   const [modalOpen, setModalOpen] = useState(false);
   const [editing, setEditing] = useState<Transaction | null>(null);
@@ -68,8 +74,8 @@ export default function TransactionList({
   };
 
   const columns = useMemo(
-    () => getTransactionColumns({ showCategory, onEdit: handleEdit, onDelete: (id) => setDeleteId(id) }),
-    [showCategory],
+    () => getTransactionColumns({ showCategory, showSourceIcon, onEdit: handleEdit, onDelete: (id) => setDeleteId(id), onToggleDeferred }),
+    [showCategory, showSourceIcon, onToggleDeferred],
   );
 
   const empty = transactions.length === 0 && !loading;
@@ -119,7 +125,16 @@ export default function TransactionList({
                   )}
                 </div>
                 <div className="min-w-0 flex-1">
+                  <div className="flex items-center gap-1">
                     <p className="text-sm font-medium truncate">{tx.merchant}</p>
+                    {showSourceIcon && (
+                      tx.source === 'CASH'
+                        ? <Banknote className="w-3.5 h-3.5 text-muted-foreground shrink-0" />
+                        : tx.source === 'TRANSFER'
+                          ? <ArrowLeftRight className="w-3.5 h-3.5 text-muted-foreground shrink-0" />
+                          : null
+                    )}
+                  </div>
                   <p className="text-xs text-muted-foreground">
                     {new Date(tx.date).toLocaleDateString('en-US', { month: 'short', day: 'numeric' })}
                     {showCategory && tx.category && (
@@ -128,6 +143,7 @@ export default function TransactionList({
                   </p>
                 </div>
                 <span
+                  data-sensitive
                   className={cn(
                     'font-mono text-sm font-medium shrink-0',
                     tx.transaction_type === 'DEVOLUCION' && 'text-primary'
@@ -137,6 +153,18 @@ export default function TransactionList({
                   {formatAmount(tx.amount, tx.currency)}
                 </span>
                 <div className="flex items-center gap-0.5 shrink-0">
+                  {onToggleDeferred && (
+                    <Button
+                      variant="ghost"
+                      size="icon"
+                      title={tx.deferred_to_next_cycle ? 'Quitar diferida' : 'Diferir al siguiente ciclo'}
+                      aria-label={tx.deferred_to_next_cycle ? 'Remove deferred' : 'Defer to next cycle'}
+                      onClick={() => onToggleDeferred(tx)}
+                      className={cn(tx.deferred_to_next_cycle && 'text-amber-600')}
+                    >
+                      <ArrowRightFromLine className="w-4 h-4" />
+                    </Button>
+                  )}
                   <Button variant="ghost" size="icon" title="Edit transaction" aria-label="Edit transaction" onClick={() => handleEdit(tx)}>
                     <Pencil className="w-4 h-4" />
                   </Button>

frontend/src/components/TransactionModal.tsx

@@ -1,5 +1,6 @@
 import { useEffect, useState } from 'react';
-import api, { type Category, type Transaction } from '../api';
+import api, { type Category, type Transaction } from '@/lib/api';
+import { formatLocalDatetime } from '@/lib/format';
 import { Button } from '@/components/ui/button';
 import { Input } from '@/components/ui/input';
 import { Label } from '@/components/ui/label';
@@ -33,7 +34,7 @@ export default function TransactionModal({ transaction, source, onClose, onSaved
     merchant: '',
     amount: '',
     currency: 'CRC',
-    date: new Date().toISOString().slice(0, 16),
+    date: formatLocalDatetime(new Date()),
     transaction_type: 'COMPRA',
     source,
     bank: 'BAC',
@@ -47,7 +48,10 @@ export default function TransactionModal({ transaction, source, onClose, onSaved
   const [error, setError] = useState('');
 
   useEffect(() => {
-    api.get('/categories/').then((r) => setCategories(r.data));
+    api.get('/categories/').then((r) => {
+      const sorted = [...r.data].sort((a: Category, b: Category) => a.name.localeCompare(b.name));
+      setCategories(sorted);
+    });
   }, []);
 
   useEffect(() => {
@@ -147,6 +151,7 @@ export default function TransactionModal({ transaction, source, onClose, onSaved
                 <SelectContent>
                   <SelectItem value="CRC">CRC (₡)</SelectItem>
                   <SelectItem value="USD">USD ($)</SelectItem>
+                  <SelectItem value="EUR">EUR (€)</SelectItem>
                 </SelectContent>
               </Select>
             </div>
@@ -178,7 +183,11 @@ export default function TransactionModal({ transaction, source, onClose, onSaved
                 onValueChange={(v) => setForm({ ...form, category_id: v === 'auto' ? '' : v })}
               >
                 <SelectTrigger className="w-full">
-                  <SelectValue />
+                  <SelectValue>
+                    {form.category_id
+                      ? categories.find((c) => c.id === Number(form.category_id))?.name ?? form.category_id
+                      : 'Auto-detect'}
+                  </SelectValue>
                 </SelectTrigger>
                 <SelectContent>
                   <SelectItem value="auto">Auto-detect</SelectItem>

frontend/src/components/budget/MonthlyDetail.tsx

@@ -1,150 +1,491 @@
-import { type MonthlyDetail as MonthlyDetailType } from '@/api';
+import { useState } from 'react';
+import { PieChart, Pie, Cell } from 'recharts';
+
+import { type MonthlyDetail as MonthlyDetailType } from '@/lib/api';
 import { formatAmount } from '@/lib/format';
 import { cn } from '@/lib/utils';
 import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
-import { Badge } from '@/components/ui/badge';
 import { Separator } from '@/components/ui/separator';
+import { Button } from '@/components/ui/button';
+import { Skeleton } from '@/components/ui/skeleton';
+import {
+  ChartContainer,
+  ChartTooltip,
+  ChartTooltipContent,
+  type ChartConfig,
+} from '@/components/ui/chart';
 import {
   TrendingUp,
   TrendingDown,
-  PiggyBank,
   CreditCard,
   Banknote,
   ArrowLeftRight,
   Info,
 } from 'lucide-react';
 
-const MONTH_NAMES = [
-  '', 'Enero', 'Febrero', 'Marzo', 'Abril', 'Mayo', 'Junio',
-  'Julio', 'Agosto', 'Septiembre', 'Octubre', 'Noviembre', 'Diciembre',
-];
+type PaletteMode = 'chatgpt' | 'gemini';
 
-const SOURCE_LABELS: Record<string, { label: string; icon: typeof CreditCard }> = {
-  CREDIT_CARD: { label: 'Tarjeta de Crédito', icon: CreditCard },
+const PALETTES: Record<PaletteMode, { income: string[]; expense: string[]; cc: string[] }> = {
+  chatgpt: {
+    // Pure green scale, darkest → lightest (assigned by rank)
+    income: ['#14532D', '#16A34A', '#4ADE80', '#BBF7D0'],
+    // Pure amber scale, darkest → lightest (assigned by rank)
+    expense: ['#92400E', '#B45309', '#D97706', '#F59E0B', '#FCD34D'],
+    // Warm-to-cool alternating for CC categories
+    cc: ['#B45309', '#2563EB', '#DC2626', '#16A34A', '#7C3AED',
+         '#D97706', '#0F766E', '#DB2777', '#EA580C', '#4F46E5'],
+  },
+  gemini: {
+    // Qualitative greens: dark green, mint, pale green, forest
+    income: ['#2D6A4F', '#52B788', '#B7E4C7', '#1B4332'],
+    // Terracotta, slate blue, sage, sand — diverse hues
+    expense: ['#E07A5F', '#3D405B', '#81B29A', '#F2CC8F', '#D56B4E', '#2E344A', '#6A9E85', '#E5B87A'],
+    // Pastel/muted diverse for CC categories
+    cc: ['#6366F1', '#EC4899', '#14B8A6', '#F97316', '#8B5CF6',
+         '#06B6D4', '#EF4444', '#10B981', '#F59E0B', '#3B82F6'],
+  },
+};
+
+const SOURCE_LABELS: Record<string, { label: string; icon: typeof Banknote }> = {
   CASH: { label: 'Efectivo', icon: Banknote },
   TRANSFER: { label: 'Transferencias', icon: ArrowLeftRight },
 };
 
 interface MonthlyDetailProps {
-  detail: MonthlyDetailType;
+  detail: MonthlyDetailType | null;
   loading?: boolean;
+  onNavigateToTransactions?: () => void;
 }
 
-export default function MonthlyDetail({ detail, loading }: MonthlyDetailProps) {
-  if (loading) {
+function PieCardSkeleton({ titleIcon: TitleIcon, title }: { titleIcon: typeof TrendingUp; title: string }) {
   return (
-      <div className="grid gap-4 md:grid-cols-3">
-        {[1, 2, 3].map((i) => (
-          <Card key={i} className="animate-pulse">
-            <CardContent className="h-48" />
-          </Card>
+    <Card>
+      <CardHeader className="pb-0">
+        <CardTitle className="text-sm font-medium flex items-center gap-2 text-muted-foreground">
+          <TitleIcon className="w-4 h-4" />
+          {title}
+        </CardTitle>
+      </CardHeader>
+      <CardContent>
+        <div className="flex flex-col items-center">
+          <div className="h-[200px] w-full flex items-center justify-center">
+            <Skeleton className="h-[160px] w-[160px] rounded-full" />
+          </div>
+          <div className="grid grid-cols-2 gap-x-4 gap-y-1 mt-1 w-full">
+            {Array.from({ length: 4 }).map((_, i) => (
+              <div key={i} className="flex items-center gap-1.5">
+                <Skeleton className="w-2 h-2 rounded-full" />
+                <Skeleton className="h-3 flex-1" />
+              </div>
             ))}
           </div>
+          <Separator className="mt-3" />
+          <div className="flex items-center justify-between w-full mt-2">
+            <Skeleton className="h-4 w-12" />
+            <Skeleton className="h-4 w-24" />
+          </div>
+        </div>
+      </CardContent>
+    </Card>
+  );
+}
+
+export default function MonthlyDetail({ detail, loading, onNavigateToTransactions }: MonthlyDetailProps) {
+  const [paletteMode, setPaletteMode] = useState<PaletteMode>('chatgpt');
+
+  if (loading || !detail) {
+    return (
+      <div className="space-y-4">
+        <div className="flex items-center justify-end gap-1">
+          <span className="text-xs text-muted-foreground mr-1">Paleta:</span>
+          <Skeleton className="h-6 w-16" />
+          <Skeleton className="h-6 w-16" />
+        </div>
+        <div className="grid gap-4 md:grid-cols-2">
+          <PieCardSkeleton titleIcon={TrendingUp} title="Ingresos" />
+          <PieCardSkeleton titleIcon={TrendingDown} title="Egresos Fijos" />
+        </div>
+        <Card>
+          <CardHeader className="pb-0">
+            <CardTitle className="text-sm font-medium flex items-center gap-2 text-muted-foreground">
+              <CreditCard className="w-4 h-4" />
+              Tarjeta de Crédito
+            </CardTitle>
+          </CardHeader>
+          <CardContent>
+            <div className="flex flex-col md:flex-row items-center gap-4">
+              <div className="h-[200px] w-full md:w-1/2 flex items-center justify-center">
+                <Skeleton className="h-[160px] w-[160px] rounded-full" />
+              </div>
+              <div className="grid grid-cols-2 gap-x-4 gap-y-1 w-full md:w-1/2">
+                {Array.from({ length: 6 }).map((_, i) => (
+                  <div key={i} className="flex items-center gap-1.5">
+                    <Skeleton className="w-2 h-2 rounded-full" />
+                    <Skeleton className="h-3 flex-1" />
+                  </div>
+                ))}
+              </div>
+            </div>
+            <Separator className="mt-3" />
+            <div className="flex items-center justify-between w-full mt-2">
+              <Skeleton className="h-4 w-24" />
+              <Skeleton className="h-4 w-28" />
+            </div>
+          </CardContent>
+        </Card>
+        <div className="grid gap-4 md:grid-cols-2">
+          <Card>
+            <CardHeader className="pb-2">
+              <CardTitle className="text-sm font-medium flex items-center gap-2 text-muted-foreground">
+                <Banknote className="w-4 h-4" />
+                Efectivo o Transferencias
+              </CardTitle>
+            </CardHeader>
+            <CardContent className="space-y-2">
+              {Array.from({ length: 2 }).map((_, i) => (
+                <div key={i} className="flex items-center justify-between">
+                  <Skeleton className="h-4 w-32" />
+                  <Skeleton className="h-4 w-20" />
+                </div>
+              ))}
+            </CardContent>
+          </Card>
+          <Card className="border-2 border-muted/40">
+            <CardContent className="pt-6 space-y-3">
+              <div className="flex items-center justify-between">
+                <Skeleton className="h-4 w-28" />
+                <Skeleton className="h-4 w-24" />
+              </div>
+              <div className="flex items-center justify-between">
+                <Skeleton className="h-4 w-32" />
+                <Skeleton className="h-4 w-24" />
+              </div>
+              <Separator />
+              <div className="flex items-center justify-between">
+                <Skeleton className="h-5 w-28" />
+                <Skeleton className="h-6 w-32" />
+              </div>
+            </CardContent>
+          </Card>
+        </div>
+      </div>
     );
   }
 
+  const { income: incomeColors, expense: expenseColors, cc: ccColors } = PALETTES[paletteMode];
+
+  const incomeData = detail.income_items.map((item) => ({ name: item.name, value: item.amount }));
+  const expenseData = detail.expense_items.map((item) => ({ name: item.name, value: item.amount }));
+
+  // For ChatGPT mode: assign colors by rank (largest = darkest)
+  // For Gemini mode: assign colors by position (qualitative)
+  function buildColorMap(data: { name: string; value: number }[], colors: string[]): Map<string, string> {
+    if (paletteMode === 'chatgpt') {
+      const sorted = [...data].sort((a, b) => b.value - a.value);
+      const map = new Map<string, string>();
+      sorted.forEach((item, i) => {
+        map.set(item.name, colors[Math.min(i, colors.length - 1)]);
+      });
+      return map;
+    }
+    // Gemini: positional
+    const map = new Map<string, string>();
+    data.forEach((item, i) => {
+      map.set(item.name, colors[i % colors.length]);
+    });
+    return map;
+  }
+
+  const incomeColorMap = buildColorMap(incomeData, incomeColors);
+  const expenseColorMap = buildColorMap(expenseData, expenseColors);
+
+  const incomeConfig = incomeData.reduce<ChartConfig>((acc, item) => {
+    acc[item.name] = { label: item.name, color: incomeColorMap.get(item.name)! };
+    return acc;
+  }, {});
+
+  const expenseConfig = expenseData.reduce<ChartConfig>((acc, item) => {
+    acc[item.name] = { label: item.name, color: expenseColorMap.get(item.name)! };
+    return acc;
+  }, {});
+
+  // CC spending by category
+  const ccData = (detail.cc_by_category ?? []).map((item) => ({
+    name: item.category_name,
+    value: item.amount,
+  }));
+  const ccConfig = ccData.reduce<ChartConfig>((acc, item, i) => {
+    acc[item.name] = { label: item.name, color: ccColors[i % ccColors.length] };
+    return acc;
+  }, {});
+  const ccTotal = ccData.reduce((sum, item) => sum + item.value, 0);
+
+  // Filter actuals to only cash and transfer (no credit card)
+  const cashTransferActuals = detail.actuals_by_source.filter(
+    (src) => src.source !== 'CREDIT_CARD' && src.count > 0
+  );
+
   return (
     <div className="space-y-4">
-      <h3 className="text-lg font-semibold">
-        Detalle: {MONTH_NAMES[detail.month]} {detail.year}
-      </h3>
+      {/* Palette Toggle */}
+      <div className="flex items-center justify-end gap-1">
+        <span className="text-xs text-muted-foreground mr-1">Paleta:</span>
+        <Button
+          variant={paletteMode === 'chatgpt' ? 'default' : 'outline'}
+          size="sm"
+          className="h-6 text-xs px-2"
+          onClick={() => setPaletteMode('chatgpt')}
+        >
+          ChatGPT
+        </Button>
+        <Button
+          variant={paletteMode === 'gemini' ? 'default' : 'outline'}
+          size="sm"
+          className="h-6 text-xs px-2"
+          onClick={() => setPaletteMode('gemini')}
+        >
+          Gemini
+        </Button>
+      </div>
 
-      <div className="grid gap-4 md:grid-cols-3">
-        {/* Income Card */}
+      {/* Pie Charts */}
+      <div className="grid gap-4 md:grid-cols-2">
+        {/* Income Pie */}
         <Card>
-          <CardHeader className="pb-2">
+          <CardHeader className="pb-0">
             <CardTitle className="text-sm font-medium flex items-center gap-2">
               <TrendingUp className="w-4 h-4 text-primary" />
               Ingresos
             </CardTitle>
           </CardHeader>
-          <CardContent className="space-y-2">
-            {detail.income_items.map((item) => (
-              <div key={item.id} className="flex items-center justify-between text-sm">
-                <span className="truncate mr-2">{item.name}</span>
-                <span className="font-mono text-primary whitespace-nowrap">
-                  {formatAmount(item.amount, 'CRC')}
-                </span>
+          <CardContent>
+            {incomeData.length > 0 ? (
+              <div className="flex flex-col items-center">
+                <ChartContainer config={incomeConfig} className="h-[200px] w-full">
+                  <PieChart>
+                    <Pie
+                      data={incomeData}
+                      dataKey="value"
+                      nameKey="name"
+                      cx="50%"
+                      cy="50%"
+                      innerRadius={50}
+                      outerRadius={80}
+                      paddingAngle={2}
+                      strokeWidth={2}
+                      stroke="var(--card)"
+                    >
+                      {incomeData.map((item, i) => (
+                        <Cell key={i} fill={incomeColorMap.get(item.name)!} />
+                      ))}
+                    </Pie>
+                    <ChartTooltip
+                      content={
+                        <ChartTooltipContent
+                          nameKey="name"
+                          formatter={(value, name) => (
+                            <span>{name}: {formatAmount(Number(value), 'CRC')}</span>
+                          )}
+                        />
+                      }
+                    />
+                  </PieChart>
+                </ChartContainer>
+                <div className="grid grid-cols-2 gap-x-4 gap-y-1 mt-1 w-full">
+                  {incomeData.map((item, i) => (
+                    <div key={item.name} className="flex items-center gap-1.5 text-xs">
+                      <div
+                        className="w-2 h-2 rounded-full shrink-0"
+                        style={{ background: incomeColorMap.get(item.name) }}
+                      />
+                      <span className="truncate text-muted-foreground">{item.name}</span>
                     </div>
                   ))}
-            <Separator />
-            <div className="flex items-center justify-between font-semibold text-sm">
+                </div>
+                <Separator className="mt-3" />
+                <div className="flex items-center justify-between w-full mt-2 font-semibold text-sm">
                   <span>Total</span>
-              <span className="font-mono text-primary">
+                  <span data-sensitive className="font-mono text-primary">
                     {formatAmount(detail.total_projected_income, 'CRC')}
                   </span>
                 </div>
+              </div>
+            ) : (
+              <p className="text-sm text-muted-foreground py-8 text-center">Sin ingresos</p>
+            )}
           </CardContent>
         </Card>
 
-        {/* Expenses Card */}
+        {/* Expenses Pie */}
         <Card>
-          <CardHeader className="pb-2">
+          <CardHeader className="pb-0">
             <CardTitle className="text-sm font-medium flex items-center gap-2">
               <TrendingDown className="w-4 h-4 text-destructive" />
               Egresos Fijos
             </CardTitle>
           </CardHeader>
-          <CardContent className="space-y-2">
-            {detail.expense_items.map((item) => (
-              <div key={item.id} className="flex items-center justify-between text-sm">
-                <div className="flex items-center gap-1 truncate mr-2">
-                  <span className="truncate">{item.name}</span>
-                  {item.used_actual && (
-                    <Badge variant="secondary" className="text-[10px] px-1 py-0 shrink-0">
-                      real
-                    </Badge>
+          <CardContent>
+            {expenseData.length > 0 ? (
+              <div className="flex flex-col items-center">
+                <ChartContainer config={expenseConfig} className="h-[200px] w-full">
+                  <PieChart>
+                    <Pie
+                      data={expenseData}
+                      dataKey="value"
+                      nameKey="name"
+                      cx="50%"
+                      cy="50%"
+                      innerRadius={50}
+                      outerRadius={80}
+                      paddingAngle={2}
+                      strokeWidth={2}
+                      stroke="var(--card)"
+                    >
+                      {expenseData.map((item, i) => (
+                        <Cell key={i} fill={expenseColorMap.get(item.name)!} />
+                      ))}
+                    </Pie>
+                    <ChartTooltip
+                      content={
+                        <ChartTooltipContent
+                          formatter={(value, name) => (
+                            <span>{name}: {formatAmount(Number(value), 'CRC')}</span>
                           )}
-                </div>
-                <div className="text-right whitespace-nowrap">
-                  <span className="font-mono">{formatAmount(item.amount, 'CRC')}</span>
-                  {item.used_actual && item.projected_amount != null && (
-                    <span className="block text-[10px] text-muted-foreground font-mono line-through">
-                      {formatAmount(item.projected_amount, 'CRC')}
-                    </span>
-                  )}
-                </div>
+                        />
+                      }
+                    />
+                  </PieChart>
+                </ChartContainer>
+                <div className="grid grid-cols-2 gap-x-4 gap-y-1 mt-1 w-full">
+                  {expenseData.map((item, i) => (
+                    <div key={item.name} className="flex items-center gap-1.5 text-xs">
+                      <div
+                        className="w-2 h-2 rounded-full shrink-0"
+                        style={{ background: expenseColorMap.get(item.name) }}
+                      />
+                      <span className="truncate text-muted-foreground">{item.name}</span>
                     </div>
                   ))}
-            {detail.expense_items.length === 0 && (
-              <p className="text-sm text-muted-foreground">Sin egresos fijos</p>
-            )}
-            <Separator />
-            <div className="flex items-center justify-between font-semibold text-sm">
+                </div>
+                <Separator className="mt-3" />
+                <div className="flex items-center justify-between w-full mt-2 font-semibold text-sm">
                   <span>Total Fijos</span>
-              <span className="font-mono">
+                  <span data-sensitive className="font-mono">
                     {formatAmount(detail.total_projected_expenses, 'CRC')}
                   </span>
                 </div>
+              </div>
+            ) : (
+              <p className="text-sm text-muted-foreground py-8 text-center">Sin egresos fijos</p>
+            )}
+          </CardContent>
+        </Card>
+      </div>
+
+      {/* Credit Card by Category */}
+      {ccData.length > 0 && (
+        <Card>
+          <CardHeader className="pb-0">
+            <CardTitle className="text-sm font-medium flex items-center gap-2">
+              <CreditCard className="w-4 h-4" />
+              Tarjeta de Crédito
+            </CardTitle>
+          </CardHeader>
+          <CardContent>
+            <div className="flex flex-col md:flex-row items-center gap-4">
+              <ChartContainer config={ccConfig} className="h-[200px] w-full md:w-1/2">
+                <PieChart>
+                  <Pie
+                    data={ccData}
+                    dataKey="value"
+                    nameKey="name"
+                    cx="50%"
+                    cy="50%"
+                    innerRadius={50}
+                    outerRadius={80}
+                    paddingAngle={2}
+                    strokeWidth={2}
+                    stroke="var(--card)"
+                  >
+                    {ccData.map((_, i) => (
+                      <Cell key={i} fill={ccColors[i % ccColors.length]} />
+                    ))}
+                  </Pie>
+                  <ChartTooltip
+                    content={
+                      <ChartTooltipContent
+                        nameKey="name"
+                        formatter={(value, name) => (
+                          <span>{name}: {formatAmount(Number(value), 'CRC')}</span>
+                        )}
+                      />
+                    }
+                  />
+                </PieChart>
+              </ChartContainer>
+              <div className="grid grid-cols-2 gap-x-4 gap-y-1 w-full md:w-1/2">
+                {ccData.map((item, i) => (
+                  <div key={item.name} className="flex items-center gap-1.5 text-xs">
+                    <div
+                      className="w-2 h-2 rounded-full shrink-0"
+                      style={{ background: ccColors[i % ccColors.length] }}
+                    />
+                    <span className="truncate text-muted-foreground">{item.name}</span>
+                  </div>
+                ))}
+              </div>
+            </div>
+            <Separator className="mt-3" />
+            <div className="flex items-center justify-between w-full mt-2 font-semibold text-sm">
+              <span>Total Tarjeta</span>
+              <span data-sensitive className="font-mono">
+                {formatAmount(ccTotal, 'CRC')}
+              </span>
+            </div>
           </CardContent>
         </Card>
+      )}
 
-        {/* Actuals Card */}
+      {/* Actuals + Summary */}
+      <div className="grid gap-4 md:grid-cols-2">
+        {/* Cash & Transfer Actuals Card */}
         <Card>
           <CardHeader className="pb-2">
             <CardTitle className="text-sm font-medium flex items-center gap-2">
-              <CreditCard className="w-4 h-4" />
-              Transacciones Reales
+              <Banknote className="w-4 h-4" />
+              Efectivo o Transferencias
             </CardTitle>
           </CardHeader>
           <CardContent className="space-y-2">
-            {detail.actuals_by_source.map((src) => {
+            {cashTransferActuals.map((src) => {
               const meta = SOURCE_LABELS[src.source];
-              if (!meta || src.count === 0) return null;
+              if (!meta) return null;
               const Icon = meta.icon;
+              const isClickable = onNavigateToTransactions != null;
               return (
                 <div key={src.source} className="flex items-center justify-between text-sm">
-                  <div className="flex items-center gap-1.5">
+                  <button
+                    type="button"
+                    className={cn(
+                      'flex items-center gap-1.5',
+                      isClickable && 'cursor-pointer hover:underline focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-ring rounded',
+                    )}
+                    onClick={isClickable ? onNavigateToTransactions : undefined}
+                    disabled={!isClickable}
+                  >
                     <Icon className="w-3.5 h-3.5 text-muted-foreground" />
                     <span>{meta.label}</span>
                     <span className="text-xs text-muted-foreground">({src.count})</span>
-                  </div>
-                  <span className="font-mono whitespace-nowrap">
+                  </button>
+                  <span data-sensitive className="font-mono whitespace-nowrap">
                     {formatAmount(src.net, 'CRC')}
                   </span>
                 </div>
               );
             })}
+            {cashTransferActuals.length === 0 && (
+              <p className="text-sm text-muted-foreground">Sin transacciones</p>
+            )}
             {detail.uncovered_actual > 0 && (
               <>
                 <Separator />
@@ -153,42 +494,12 @@ export default function MonthlyDetail({ detail, loading }: MonthlyDetailProps) {
                     <Info className="w-3 h-3 text-muted-foreground" />
                     <span className="text-muted-foreground">No cubierto por fijos</span>
                   </div>
-                  <span className="font-mono">{formatAmount(detail.uncovered_actual, 'CRC')}</span>
+                  <span data-sensitive className="font-mono">{formatAmount(detail.uncovered_actual, 'CRC')}</span>
                 </div>
               </>
             )}
           </CardContent>
         </Card>
-      </div>
-
-      {/* Savings + Summary */}
-      <div className="grid gap-4 md:grid-cols-2">
-        {/* Savings */}
-        {detail.savings_items.length > 0 && (
-          <Card>
-            <CardHeader className="pb-2">
-              <CardTitle className="text-sm font-medium flex items-center gap-2">
-                <PiggyBank className="w-4 h-4" />
-                Ahorro
-              </CardTitle>
-            </CardHeader>
-            <CardContent className="space-y-2">
-              {detail.savings_items.map((item) => (
-                <div key={item.id} className="flex items-center justify-between text-sm">
-                  <span>{item.name}</span>
-                  <span className="font-mono">{formatAmount(item.amount, 'CRC')}</span>
-                </div>
-              ))}
-              <Separator />
-              <div className="flex items-center justify-between font-semibold text-sm">
-                <span>Total Ahorro</span>
-                <span className="font-mono">
-                  {formatAmount(detail.total_projected_savings, 'CRC')}
-                </span>
-              </div>
-            </CardContent>
-          </Card>
-        )}
 
         {/* Summary */}
         <Card className={cn(
@@ -198,26 +509,21 @@ export default function MonthlyDetail({ detail, loading }: MonthlyDetailProps) {
           <CardContent className="pt-6 space-y-3">
             <div className="flex items-center justify-between text-sm">
               <span>Total Ingresos</span>
-              <span className="font-mono font-medium text-primary">
+              <span data-sensitive className="font-mono font-medium text-primary">
                 +{formatAmount(detail.total_projected_income, 'CRC')}
               </span>
             </div>
             <div className="flex items-center justify-between text-sm">
               <span>Gran Total Egresos</span>
-              <span className="font-mono font-medium">
+              <span data-sensitive className="font-mono font-medium">
                 -{formatAmount(detail.gran_total_egresos, 'CRC')}
               </span>
             </div>
-            <div className="flex items-center justify-between text-sm">
-              <span>Ahorro</span>
-              <span className="font-mono font-medium">
-                -{formatAmount(detail.total_projected_savings, 'CRC')}
-              </span>
-            </div>
             <Separator />
             <div className="flex items-center justify-between">
               <span className="font-semibold">Balance Neto</span>
               <span
+                data-sensitive
                 className={cn(
                   'font-mono font-bold text-lg',
                   detail.net_balance >= 0 ? 'text-primary' : 'text-destructive',

frontend/src/components/budget/RecurringItemDialog.tsx

@@ -5,7 +5,7 @@ import {
   type RecurringItemUpdate,
   type RecurringItemType,
   type RecurringFrequency,
-} from '@/api';
+} from '@/lib/api';
 import { Button } from '@/components/ui/button';
 import {
   Dialog,
@@ -29,7 +29,6 @@ import { Plus, Trash2 } from 'lucide-react';
 const TYPE_OPTIONS: { value: RecurringItemType; label: string }[] = [
   { value: 'INCOME', label: 'Ingreso' },
   { value: 'EXPENSE', label: 'Egreso' },
-  { value: 'SAVINGS', label: 'Ahorro' },
 ];
 
 const FREQ_OPTIONS: { value: RecurringFrequency; label: string }[] = [

frontend/src/components/budget/RecurringItemsManager.tsx

@@ -4,7 +4,7 @@ import {
   type RecurringItem,
   type RecurringItemCreate,
   type RecurringItemUpdate,
-} from '@/api';
+} from '@/lib/api';
 import { formatAmount } from '@/lib/format';
 import { Button } from '@/components/ui/button';
 import { Badge } from '@/components/ui/badge';
@@ -17,7 +17,6 @@ import ConfirmDialog from '@/components/ConfirmDialog';
 const TYPE_LABELS: Record<string, { label: string; variant: 'default' | 'secondary' | 'outline' }> = {
   INCOME: { label: 'Ingreso', variant: 'default' },
   EXPENSE: { label: 'Egreso', variant: 'secondary' },
-  SAVINGS: { label: 'Ahorro', variant: 'outline' },
 };
 
 const FREQ_LABELS: Record<string, string> = {
@@ -106,7 +105,7 @@ export default function RecurringItemsManager({
           <DataTableColumnHeader column={column} title="Monto" className="justify-end" />
         ),
         cell: ({ row }) => (
-          <span className="font-mono text-sm">
+          <span data-sensitive className="font-mono text-sm">
             {formatAmount(row.original.amount, row.original.currency)}
           </span>
         ),

frontend/src/components/budget/YearlyOverview.tsx

@@ -1,6 +1,10 @@
-import { type MonthlyProjection } from '@/api';
+import { useState, useRef, useEffect } from 'react';
+import { Pencil } from 'lucide-react';
+
+import { type MonthlyProjection } from '@/lib/api';
 import { formatAmount } from '@/lib/format';
 import { cn } from '@/lib/utils';
+import { Input } from '@/components/ui/input';
 import {
   Table,
   TableBody,
@@ -15,19 +19,65 @@ const MONTH_NAMES = [
   'Jul', 'Ago', 'Sep', 'Oct', 'Nov', 'Dic',
 ];
 
+const FRESH_START_YEAR = 2026;
+const FRESH_START_MONTH = 3;
+
 interface YearlyOverviewProps {
   months: MonthlyProjection[];
   selectedMonth: number;
+  year: number;
   onSelectMonth: (month: number) => void;
+  onSaveOverride: (month: number, value: number) => Promise<void>;
+  onClearOverride: (month: number) => Promise<void>;
 }
 
 export default function YearlyOverview({
   months,
   selectedMonth,
+  year,
   onSelectMonth,
+  onSaveOverride,
+  onClearOverride,
 }: YearlyOverviewProps) {
   const currentMonth = new Date().getMonth() + 1;
   const currentYear = new Date().getFullYear();
+  const [editingMonth, setEditingMonth] = useState<number | null>(null);
+  const [editValue, setEditValue] = useState('');
+  const inputRef = useRef<HTMLInputElement>(null);
+
+  useEffect(() => {
+    if (editingMonth !== null && inputRef.current) {
+      inputRef.current.focus();
+      inputRef.current.select();
+    }
+  }, [editingMonth]);
+
+  const handleStartEdit = (m: MonthlyProjection) => {
+    setEditingMonth(m.month);
+    setEditValue(String(Math.round(m.cumulative_balance)));
+  };
+
+  const handleSave = async () => {
+    if (editingMonth === null) return;
+    const trimmed = editValue.trim();
+    if (trimmed === '') {
+      await onClearOverride(editingMonth);
+    } else {
+      const num = parseFloat(trimmed);
+      if (!isNaN(num)) {
+        await onSaveOverride(editingMonth, num);
+      }
+    }
+    setEditingMonth(null);
+  };
+
+  const handleKeyDown = (e: React.KeyboardEvent) => {
+    if (e.key === 'Enter') {
+      handleSave();
+    } else if (e.key === 'Escape') {
+      setEditingMonth(null);
+    }
+  };
 
   return (
     <div className="overflow-x-auto">
@@ -39,14 +89,19 @@ export default function YearlyOverview({
             <TableHead className="text-right">Egresos Fijos</TableHead>
             <TableHead className="text-right">Otros Gastos</TableHead>
             <TableHead className="text-right">Gran Total</TableHead>
-            <TableHead className="text-right">Ahorro</TableHead>
-            <TableHead className="text-right">Balance</TableHead>
+            <TableHead className="text-right">Acum. Anterior</TableHead>
+            <TableHead className="text-right">Neto Mes</TableHead>
+            <TableHead className="text-right">Balance Acum.</TableHead>
           </TableRow>
         </TableHeader>
         <TableBody>
           {months.map((m) => {
             const isSelected = m.month === selectedMonth;
             const isCurrent = m.month === currentMonth && m.year === currentYear;
+            const isBeforeFreshStart =
+              year === FRESH_START_YEAR && m.month < FRESH_START_MONTH;
+            const isEditing = editingMonth === m.month;
+
             return (
               <TableRow
                 key={m.month}
@@ -54,6 +109,7 @@ export default function YearlyOverview({
                   'cursor-pointer transition-colors',
                   isSelected && 'bg-accent',
                   isCurrent && !isSelected && 'bg-accent/40',
+                  isBeforeFreshStart && 'opacity-40',
                 )}
                 onClick={() => onSelectMonth(m.month)}
               >
@@ -63,22 +119,36 @@ export default function YearlyOverview({
                     <span className="ml-1.5 inline-block w-1.5 h-1.5 rounded-full bg-primary" />
                   )}
                 </TableCell>
-                <TableCell className="text-right font-mono text-sm text-primary">
+                <TableCell data-sensitive className="text-right font-mono text-sm text-primary">
                   {formatAmount(m.projected_income, 'CRC')}
                 </TableCell>
-                <TableCell className="text-right font-mono text-sm">
+                <TableCell data-sensitive className="text-right font-mono text-sm">
                   {formatAmount(m.projected_fixed_expenses, 'CRC')}
                 </TableCell>
-                <TableCell className="text-right font-mono text-sm text-muted-foreground">
+                <TableCell data-sensitive className="text-right font-mono text-sm text-muted-foreground">
                   {formatAmount(m.uncovered_actual, 'CRC')}
                 </TableCell>
-                <TableCell className="text-right font-mono text-sm font-medium">
+                <TableCell data-sensitive className="text-right font-mono text-sm font-medium">
                   {formatAmount(m.gran_total_egresos, 'CRC')}
                 </TableCell>
-                <TableCell className="text-right font-mono text-sm text-muted-foreground">
-                  {formatAmount(m.projected_savings, 'CRC')}
+                <TableCell
+                  className={cn(
+                    'text-right font-mono text-sm',
+                    m.carryover_balance >= 0
+                      ? 'text-muted-foreground'
+                      : 'text-destructive',
+                  )}
+                >
+                  {isBeforeFreshStart
+                    ? '—'
+                    : <span data-sensitive>
+                        {m.carryover_balance >= 0 ? '+' : ''}
+                        {formatAmount(m.carryover_balance, 'CRC')}
+                      </span>
+                  }
                 </TableCell>
                 <TableCell
+                  data-sensitive
                   className={cn(
                     'text-right font-mono text-sm font-semibold',
                     m.net_balance >= 0 ? 'text-primary' : 'text-destructive',
@@ -87,6 +157,46 @@ export default function YearlyOverview({
                   {m.net_balance >= 0 ? '+' : ''}
                   {formatAmount(m.net_balance, 'CRC')}
                 </TableCell>
+                <TableCell
+                  className="text-right font-mono text-sm font-semibold p-0 pr-2"
+                  onClick={(e) => {
+                    if (isBeforeFreshStart) return;
+                    e.stopPropagation();
+                    if (!isEditing) handleStartEdit(m);
+                  }}
+                >
+                  {isBeforeFreshStart ? (
+                    <span className="px-2">—</span>
+                  ) : isEditing ? (
+                    <Input
+                      ref={inputRef}
+                      type="number"
+                      value={editValue}
+                      onChange={(e) => setEditValue(e.target.value)}
+                      onBlur={handleSave}
+                      onKeyDown={handleKeyDown}
+                      className="h-7 w-36 text-right font-mono text-sm ml-auto"
+                      onClick={(e) => e.stopPropagation()}
+                    />
+                  ) : (
+                    <span
+                      className={cn(
+                        'inline-flex items-center gap-1 px-2 py-0.5 rounded cursor-pointer hover:bg-muted/50',
+                        m.cumulative_balance >= 0
+                          ? 'text-primary'
+                          : 'text-destructive',
+                      )}
+                    >
+                      {m.balance_overridden && (
+                        <Pencil className="w-3 h-3 text-amber-500 shrink-0" />
+                      )}
+                      <span data-sensitive>
+                        {m.cumulative_balance >= 0 ? '+' : ''}
+                        {formatAmount(m.cumulative_balance, 'CRC')}
+                      </span>
+                    </span>
+                  )}
+                </TableCell>
               </TableRow>
             );
           })}

frontend/src/components/chat/ChatCards.tsx

@@ -0,0 +1,456 @@
+import { TrendingDown, TrendingUp, Wallet, ArrowRightLeft } from "lucide-react";
+
+// ── helpers ──────────────────────────────────────────────────────────────────
+
+function fmtCRC(n: number | undefined | null) {
+  if (n == null) return "₡0";
+  return `₡${Math.round(n).toLocaleString("es-CR")}`;
+}
+
+function fmtCurrency(amount: number | undefined | null, currency: string | undefined | null) {
+  if (amount == null) return "₡0";
+  if (currency === "USD") return `$${amount.toFixed(2)}`;
+  if (currency === "EUR") return `€${amount.toFixed(2)}`;
+  return fmtCRC(amount);
+}
+
+function sourceLabel(source: string | undefined | null) {
+  if (!source) return "Otro";
+  const map: Record<string, string> = {
+    CREDIT_CARD: "Tarjeta",
+    CASH: "Efectivo",
+    TRANSFER: "Transferencia",
+    SINPE: "SINPE",
+    OTHER: "Otro",
+  };
+  return map[source] ?? source.replace(/_/g, " ");
+}
+
+// ── Spinner ───────────────────────────────────────────────────────────────────
+
+function Spinner() {
+  return (
+    <div className="w-3 h-3 border-2 border-primary border-t-transparent rounded-full animate-spin inline-block" />
+  );
+}
+
+// ── SpendingSummaryCard ───────────────────────────────────────────────────────
+
+export interface SpendingBySource {
+  source: string;
+  total_crc: number;
+  count: number;
+}
+
+export interface SpendingByCategory {
+  category: string;
+  amount_crc: number;
+  count: number;
+}
+
+export interface SpendingSummaryArgs {
+  title?: string;
+  period?: string;
+  total_crc?: number;
+  by_source?: SpendingBySource[];
+  by_category?: SpendingByCategory[];
+}
+
+export function SpendingSummaryCard({
+  args,
+  status,
+}: {
+  args: SpendingSummaryArgs;
+  status: string;
+}) {
+  const { title, period, total_crc, by_source = [], by_category = [] } = args;
+  const max = Math.max(...by_category.map((c) => c.amount_crc), 1);
+
+  const PALETTE = [
+    "bg-primary",
+    "bg-chart-1",
+    "bg-chart-2",
+    "bg-chart-3",
+    "bg-chart-4",
+    "bg-chart-5",
+  ];
+
+  return (
+    <div className="rounded-xl border border-border bg-card text-card-foreground p-4 space-y-4 my-2 shadow-sm">
+      {/* Header */}
+      <div className="flex items-start justify-between gap-4">
+        <div>
+          <p className="text-[11px] font-medium uppercase tracking-widest text-muted-foreground">
+            {title ?? "Resumen de gastos"}
+          </p>
+          {period && (
+            <p className="text-xs text-muted-foreground mt-0.5">{period}</p>
+          )}
+        </div>
+        <div className="text-right shrink-0">
+          <p className="text-2xl font-bold tabular-nums">{fmtCRC(total_crc)}</p>
+          <p className="text-[11px] text-muted-foreground">total gastado</p>
+        </div>
+      </div>
+
+      {/* By source */}
+      {by_source.length > 0 && (
+        <div className="grid grid-cols-2 gap-2">
+          {by_source.filter((s) => s?.source != null).map((s) => (
+            <div
+              key={s.source}
+              className="rounded-lg bg-secondary/40 border border-border/50 px-3 py-2"
+            >
+              <p className="text-[11px] text-muted-foreground">
+                {sourceLabel(s.source)}
+              </p>
+              <p className="font-semibold text-sm tabular-nums">
+                {fmtCRC(s.total_crc)}
+              </p>
+              <p className="text-[11px] text-muted-foreground">
+                {s.count} mov.
+              </p>
+            </div>
+          ))}
+        </div>
+      )}
+
+      {/* By category */}
+      {by_category.length > 0 && (
+        <div>
+          <p className="text-[11px] font-medium uppercase tracking-widest text-muted-foreground mb-2">
+            Por categoría
+          </p>
+          <div className="space-y-2">
+            {by_category.filter((c) => c?.category != null).slice(0, 7).map((c, i) => (
+              <div key={c.category}>
+                <div className="flex justify-between text-xs mb-1">
+                  <span className="text-card-foreground">{c.category}</span>
+                  <span className="text-muted-foreground tabular-nums">
+                    {fmtCRC(c.amount_crc)}
+                    <span className="text-[10px] ml-1">({c.count})</span>
+                  </span>
+                </div>
+                <div className="h-1.5 bg-secondary rounded-full overflow-hidden">
+                  <div
+                    className={`h-full rounded-full transition-all ${PALETTE[i % PALETTE.length]}`}
+                    style={{
+                      width: `${Math.round(((c.amount_crc ?? 0) / max) * 100)}%`,
+                    }}
+                  />
+                </div>
+              </div>
+            ))}
+          </div>
+        </div>
+      )}
+
+      {status === "inProgress" && (
+        <div className="flex items-center gap-2 text-xs text-muted-foreground">
+          <Spinner /> Obteniendo datos…
+        </div>
+      )}
+    </div>
+  );
+}
+
+// ── TransactionListCard ───────────────────────────────────────────────────────
+
+export interface TransactionRow {
+  date: string;
+  merchant: string;
+  amount: number;
+  currency: string;
+  category: string | null;
+  source: string;
+}
+
+export interface TransactionListArgs {
+  title?: string;
+  transactions?: TransactionRow[];
+}
+
+const SOURCE_ICON: Record<string, React.ReactNode> = {
+  CREDIT_CARD: <Wallet className="w-3 h-3" />,
+  TRANSFER: <ArrowRightLeft className="w-3 h-3" />,
+};
+
+export function TransactionListCard({
+  args,
+  status,
+}: {
+  args: TransactionListArgs;
+  status: string;
+}) {
+  const { title, transactions = [] } = args;
+
+  return (
+    <div className="rounded-xl border border-border bg-card text-card-foreground p-4 my-2 shadow-sm">
+      <p className="text-[11px] font-medium uppercase tracking-widest text-muted-foreground mb-3">
+        {title ?? "Transacciones"}
+      </p>
+
+      {transactions.length === 0 && status !== "inProgress" && (
+        <p className="text-sm text-muted-foreground">Sin transacciones.</p>
+      )}
+
+      <div className="divide-y divide-border/50">
+        {transactions.map((t, i) => (
+          <div key={i} className="flex items-center justify-between py-2 gap-3">
+            <div className="flex items-center gap-2 min-w-0">
+              <div className="shrink-0 w-6 h-6 rounded-full bg-secondary flex items-center justify-center text-muted-foreground">
+                {SOURCE_ICON[t.source] ?? <Wallet className="w-3 h-3" />}
+              </div>
+              <div className="min-w-0">
+                <p className="text-sm font-medium truncate">{t.merchant}</p>
+                <p className="text-[11px] text-muted-foreground">
+                  {t.date}
+                  {t.category && ` · ${t.category}`}
+                </p>
+              </div>
+            </div>
+            <p className="text-sm font-semibold tabular-nums shrink-0 text-destructive">
+              {fmtCurrency(t.amount, t.currency)}
+            </p>
+          </div>
+        ))}
+      </div>
+
+      {status === "inProgress" && (
+        <div className="flex items-center gap-2 text-xs text-muted-foreground mt-2">
+          <Spinner /> Cargando…
+        </div>
+      )}
+    </div>
+  );
+}
+
+// ── NetWorthCard ──────────────────────────────────────────────────────────────
+
+export interface AccountRow {
+  bank: string;
+  label: string;
+  balance_crc: number;
+  account_type: string;
+  currency: string;
+}
+
+export interface NetWorthArgs {
+  total_assets_crc?: number;
+  total_liabilities_crc?: number;
+  net_worth_crc?: number;
+  accounts?: AccountRow[];
+}
+
+export function NetWorthCard({
+  args,
+  status,
+}: {
+  args: NetWorthArgs;
+  status: string;
+}) {
+  const {
+    total_assets_crc = 0,
+    total_liabilities_crc = 0,
+    net_worth_crc = 0,
+    accounts = [],
+  } = args;
+
+  const isPositive = net_worth_crc >= 0;
+
+  return (
+    <div className="rounded-xl border border-border bg-card text-card-foreground p-4 space-y-4 my-2 shadow-sm">
+      {/* Net worth headline */}
+      <div className="flex items-start justify-between gap-4">
+        <div>
+          <p className="text-[11px] font-medium uppercase tracking-widest text-muted-foreground">
+            Patrimonio neto
+          </p>
+          <div className="flex items-center gap-1 mt-0.5">
+            {isPositive ? (
+              <TrendingUp className="w-4 h-4 text-green-500" />
+            ) : (
+              <TrendingDown className="w-4 h-4 text-destructive" />
+            )}
+            <span
+              className={`text-2xl font-bold tabular-nums ${isPositive ? "text-green-500" : "text-destructive"}`}
+            >
+              {fmtCRC(net_worth_crc)}
+            </span>
+          </div>
+        </div>
+        <div className="text-right text-xs space-y-1">
+          <p>
+            <span className="text-muted-foreground">Activos </span>
+            <span className="font-semibold text-green-500">
+              {fmtCRC(total_assets_crc)}
+            </span>
+          </p>
+          <p>
+            <span className="text-muted-foreground">Pasivos </span>
+            <span className="font-semibold text-destructive">
+              {fmtCRC(total_liabilities_crc)}
+            </span>
+          </p>
+        </div>
+      </div>
+
+      {/* Asset bar */}
+      {total_assets_crc + total_liabilities_crc > 0 && (
+        <div className="h-2 bg-secondary rounded-full overflow-hidden flex">
+          <div
+            className="h-full bg-green-500 transition-all"
+            style={{
+              width: `${Math.round(
+                (total_assets_crc /
+                  (total_assets_crc + total_liabilities_crc)) *
+                  100,
+              )}%`,
+            }}
+          />
+          <div className="h-full bg-destructive flex-1" />
+        </div>
+      )}
+
+      {/* Accounts */}
+      {accounts.length > 0 && (
+        <div className="divide-y divide-border/50">
+          {accounts.map((a, i) => (
+            <div key={i} className="flex items-center justify-between py-2">
+              <div>
+                <p className="text-sm font-medium">{a.label || a.bank}</p>
+                <p className="text-[11px] text-muted-foreground">
+                  {a.bank} · {a.account_type} · {a.currency}
+                </p>
+              </div>
+              <p
+                className={`text-sm font-semibold tabular-nums ${a.balance_crc >= 0 ? "text-green-500" : "text-destructive"}`}
+              >
+                {fmtCRC(a.balance_crc)}
+              </p>
+            </div>
+          ))}
+        </div>
+      )}
+
+      {status === "inProgress" && (
+        <div className="flex items-center gap-2 text-xs text-muted-foreground">
+          <Spinner /> Calculando…
+        </div>
+      )}
+    </div>
+  );
+}
+
+// ── BudgetMonthCard ───────────────────────────────────────────────────────────
+
+const MONTH_NAMES = [
+  "", "Enero", "Febrero", "Marzo", "Abril", "Mayo", "Junio",
+  "Julio", "Agosto", "Septiembre", "Octubre", "Noviembre", "Diciembre",
+];
+
+export interface BudgetMonthArgs {
+  year?: number;
+  month?: number;
+  projected_income_crc?: number;
+  projected_expenses_crc?: number;
+  actual_total_crc?: number;
+  net_balance_crc?: number;
+}
+
+export function BudgetMonthCard({
+  args,
+  status,
+}: {
+  args: BudgetMonthArgs;
+  status: string;
+}) {
+  const {
+    year,
+    month,
+    projected_income_crc = 0,
+    projected_expenses_crc = 0,
+    actual_total_crc = 0,
+    net_balance_crc = 0,
+  } = args;
+
+  const usedPct =
+    projected_expenses_crc > 0
+      ? Math.min(Math.round((actual_total_crc / projected_expenses_crc) * 100), 100)
+      : 0;
+
+  const isOver = actual_total_crc > projected_expenses_crc;
+
+  return (
+    <div className="rounded-xl border border-border bg-card text-card-foreground p-4 space-y-4 my-2 shadow-sm">
+      <div className="flex items-start justify-between gap-4">
+        <div>
+          <p className="text-[11px] font-medium uppercase tracking-widest text-muted-foreground">
+            Presupuesto
+          </p>
+          {month != null && year != null && (
+            <p className="text-sm font-semibold mt-0.5">
+              {MONTH_NAMES[month]} {year}
+            </p>
+          )}
+        </div>
+        <div
+          className={`text-right text-2xl font-bold tabular-nums ${net_balance_crc >= 0 ? "text-green-500" : "text-destructive"}`}
+        >
+          {fmtCRC(net_balance_crc)}
+          <p className="text-[11px] font-normal text-muted-foreground">
+            balance neto
+          </p>
+        </div>
+      </div>
+
+      {/* Rows */}
+      <div className="space-y-1.5 text-sm">
+        <div className="flex justify-between">
+          <span className="text-muted-foreground">Ingresos proyectados</span>
+          <span className="font-medium tabular-nums text-green-500">
+            {fmtCRC(projected_income_crc)}
+          </span>
+        </div>
+        <div className="flex justify-between">
+          <span className="text-muted-foreground">Gastos proyectados</span>
+          <span className="font-medium tabular-nums">
+            {fmtCRC(projected_expenses_crc)}
+          </span>
+        </div>
+        <div className="flex justify-between border-t border-border/50 pt-1.5">
+          <span className="text-muted-foreground">Gastado real</span>
+          <span
+            className={`font-semibold tabular-nums ${isOver ? "text-destructive" : ""}`}
+          >
+            {fmtCRC(actual_total_crc)}
+          </span>
+        </div>
+      </div>
+
+      {/* Progress bar */}
+      {projected_expenses_crc > 0 && (
+        <div>
+          <div className="flex justify-between text-[11px] text-muted-foreground mb-1">
+            <span>Ejecución presupuestaria</span>
+            <span className={isOver ? "text-destructive font-semibold" : ""}>
+              {usedPct}%
+            </span>
+          </div>
+          <div className="h-2 bg-secondary rounded-full overflow-hidden">
+            <div
+              className={`h-full rounded-full transition-all ${isOver ? "bg-destructive" : "bg-primary"}`}
+              style={{ width: `${usedPct}%` }}
+            />
+          </div>
+        </div>
+      )}
+
+      {status === "inProgress" && (
+        <div className="flex items-center gap-2 text-xs text-muted-foreground">
+          <Spinner /> Cargando…
+        </div>
+      )}
+    </div>
+  );
+}

frontend/src/components/transactions/transaction-columns.tsx

@@ -1,7 +1,7 @@
 import { type ColumnDef } from '@tanstack/react-table';
-import { Pencil, Trash2, TrendingDown, TrendingUp } from 'lucide-react';
+import { ArrowLeftRight, ArrowRightFromLine, Banknote, Pencil, Trash2, TrendingDown, TrendingUp } from 'lucide-react';
 
-import { type Transaction } from '@/api';
+import { type Transaction } from '@/lib/api';
 import { formatAmount } from '@/lib/format';
 import { cn } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
@@ -10,14 +10,18 @@ import { DataTableColumnHeader } from '@/components/ui/data-table-column-header'
 
 interface TransactionColumnOptions {
   showCategory: boolean;
+  showSourceIcon?: boolean;
   onEdit: (tx: Transaction) => void;
   onDelete: (txId: number) => void;
+  onToggleDeferred?: (tx: Transaction) => void;
 }
 
 export function getTransactionColumns({
   showCategory,
+  showSourceIcon,
   onEdit,
   onDelete,
+  onToggleDeferred,
 }: TransactionColumnOptions): ColumnDef<Transaction, unknown>[] {
   const columns: ColumnDef<Transaction, unknown>[] = [
     {
@@ -43,18 +47,29 @@ export function getTransactionColumns({
             <div
               className={cn(
                 'w-6 h-6 rounded flex items-center justify-center shrink-0',
-                tx.transaction_type === 'DEVOLUCION'
-                  ? 'bg-primary/10 text-primary'
-                  : 'bg-destructive/10 text-destructive',
+                tx.transaction_type === 'COMPRA'
+                  ? 'bg-destructive/10 text-destructive'
+                  : 'bg-primary/10 text-primary',
               )}
             >
-              {tx.transaction_type === 'DEVOLUCION' ? (
-                <TrendingUp className="w-3 h-3" />
-              ) : (
+              {tx.transaction_type === 'COMPRA' ? (
                 <TrendingDown className="w-3 h-3" />
+              ) : (
+                <TrendingUp className="w-3 h-3" />
               )}
             </div>
             <span className="truncate">{tx.merchant}</span>
+            {showSourceIcon && tx.source === 'CASH' && (
+              <Banknote className="w-3.5 h-3.5 text-muted-foreground shrink-0 ml-1" />
+            )}
+            {showSourceIcon && tx.source === 'TRANSFER' && (
+              <ArrowLeftRight className="w-3.5 h-3.5 text-muted-foreground shrink-0 ml-1" />
+            )}
+            {tx.deferred_to_next_cycle && (
+              <Badge variant="outline" className="ml-1.5 text-[10px] px-1 py-0 shrink-0 text-amber-600 border-amber-300">
+                Diferida
+              </Badge>
+            )}
           </div>
         );
       },
@@ -88,12 +103,13 @@ export function getTransactionColumns({
         const tx = row.original;
         return (
           <span
+            data-sensitive
             className={cn(
               'font-mono font-medium',
-              tx.transaction_type === 'DEVOLUCION' && 'text-primary',
+              tx.transaction_type !== 'COMPRA' && 'text-primary',
             )}
           >
-            {tx.transaction_type === 'DEVOLUCION' ? '+' : '-'}
+            {tx.transaction_type === 'COMPRA' ? '-' : '+'}
             {formatAmount(tx.amount, tx.currency)}
           </span>
         );
@@ -108,6 +124,18 @@ export function getTransactionColumns({
         const tx = row.original;
         return (
           <div className="flex items-center justify-end gap-1">
+            {onToggleDeferred && (
+              <Button
+                variant="ghost"
+                size="icon"
+                title={tx.deferred_to_next_cycle ? 'Quitar diferida' : 'Diferir al siguiente ciclo'}
+                aria-label={tx.deferred_to_next_cycle ? 'Remove deferred' : 'Defer to next cycle'}
+                onClick={() => onToggleDeferred(tx)}
+                className={cn(tx.deferred_to_next_cycle && 'text-amber-600')}
+              >
+                <ArrowRightFromLine className="w-4 h-4" />
+              </Button>
+            )}
             <Button
               variant="ghost"
               size="icon"

frontend/src/components/ui/skeleton.tsx

@@ -0,0 +1,14 @@
+import { cn } from "@/lib/utils";
+
+export function Skeleton({
+  className,
+  ...props
+}: React.HTMLAttributes<HTMLDivElement>) {
+  return (
+    <div
+      data-slot="skeleton"
+      className={cn("animate-pulse rounded-md bg-muted/60", className)}
+      {...props}
+    />
+  );
+}

frontend/src/components/ui/tabs.tsx

@@ -13,7 +13,7 @@ function Tabs({
       data-slot="tabs"
       data-orientation={orientation}
       className={cn(
-        "group/tabs flex gap-2 data-horizontal:flex-col",
+        "group/tabs flex gap-2 data-[orientation=horizontal]:flex-col data-[orientation=vertical]:flex-row data-[orientation=vertical]:items-start",
         className
       )}
       {...props}
@@ -22,7 +22,7 @@ function Tabs({
 }
 
 const tabsListVariants = cva(
-  "group/tabs-list inline-flex w-fit items-center justify-center rounded-lg p-[3px] text-muted-foreground group-data-horizontal/tabs:h-8 group-data-vertical/tabs:h-fit group-data-vertical/tabs:flex-col data-[variant=line]:rounded-none",
+  "group/tabs-list inline-flex w-fit items-center justify-center rounded-lg p-[3px] text-muted-foreground group-data-[orientation=horizontal]/tabs:h-8 group-data-[orientation=vertical]/tabs:h-fit group-data-[orientation=vertical]/tabs:flex-col data-[variant=line]:rounded-none",
   {
     variants: {
       variant: {
@@ -56,10 +56,10 @@ function TabsTrigger({ className, ...props }: TabsPrimitive.Tab.Props) {
     <TabsPrimitive.Tab
       data-slot="tabs-trigger"
       className={cn(
-        "relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-1.5 py-0.5 text-sm font-medium whitespace-nowrap text-foreground/60 transition-all group-data-vertical/tabs:w-full group-data-vertical/tabs:justify-start hover:text-foreground focus-visible:border-ring focus-visible:ring-[3px] focus-visible:ring-ring/50 focus-visible:outline-1 focus-visible:outline-ring disabled:pointer-events-none disabled:opacity-50 aria-disabled:pointer-events-none aria-disabled:opacity-50 dark:text-muted-foreground dark:hover:text-foreground group-data-[variant=default]/tabs-list:data-active:shadow-sm group-data-[variant=line]/tabs-list:data-active:shadow-none [&_svg]:pointer-events-none [&_svg]:shrink-0 [&_svg:not([class*='size-'])]:size-4",
+        "relative inline-flex h-[calc(100%-1px)] flex-1 items-center justify-center gap-1.5 rounded-md border border-transparent px-1.5 py-0.5 text-sm font-medium whitespace-nowrap text-foreground/60 transition-all group-data-[orientation=vertical]/tabs:w-full group-data-[orientation=vertical]/tabs:justify-start hover:text-foreground focus-visible:border-ring focus-visible:ring-[3px] focus-visible:ring-ring/50 focus-visible:outline-1 focus-visible:outline-ring disabled:pointer-events-none disabled:opacity-50 aria-disabled:pointer-events-none aria-disabled:opacity-50 dark:text-muted-foreground dark:hover:text-foreground group-data-[variant=default]/tabs-list:data-active:shadow-sm group-data-[variant=line]/tabs-list:data-active:shadow-none [&_svg]:pointer-events-none [&_svg]:shrink-0 [&_svg:not([class*='size-'])]:size-4",
         "group-data-[variant=line]/tabs-list:bg-transparent group-data-[variant=line]/tabs-list:data-active:bg-transparent dark:group-data-[variant=line]/tabs-list:data-active:border-transparent dark:group-data-[variant=line]/tabs-list:data-active:bg-transparent",
         "data-active:bg-background data-active:text-foreground dark:data-active:border-input dark:data-active:bg-input/30 dark:data-active:text-foreground",
-        "after:absolute after:bg-foreground after:opacity-0 after:transition-opacity group-data-horizontal/tabs:after:inset-x-0 group-data-horizontal/tabs:after:bottom-[-5px] group-data-horizontal/tabs:after:h-0.5 group-data-vertical/tabs:after:inset-y-0 group-data-vertical/tabs:after:-right-1 group-data-vertical/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-active:after:opacity-100",
+        "after:absolute after:bg-foreground after:opacity-0 after:transition-opacity group-data-[orientation=horizontal]/tabs:after:inset-x-0 group-data-[orientation=horizontal]/tabs:after:bottom-[-5px] group-data-[orientation=horizontal]/tabs:after:h-0.5 group-data-[orientation=vertical]/tabs:after:inset-y-0 group-data-[orientation=vertical]/tabs:after:-right-1 group-data-[orientation=vertical]/tabs:after:w-0.5 group-data-[variant=line]/tabs-list:data-active:after:opacity-100",
         className
       )}
       {...props}

frontend/src/contexts/privacy-context.tsx

@@ -0,0 +1,31 @@
+"use client";
+
+import { createContext, useContext, useEffect, useState, type ReactNode } from "react";
+
+const PrivacyContext = createContext<{
+  privacyMode: boolean;
+  togglePrivacy: () => void;
+}>({ privacyMode: false, togglePrivacy: () => {} });
+
+export function PrivacyProvider({ children }: { children: ReactNode }) {
+  const [privacyMode, setPrivacyMode] = useState<boolean>(false);
+
+  useEffect(() => {
+    setPrivacyMode(localStorage.getItem("privacyMode") === "true");
+  }, []);
+
+  useEffect(() => {
+    document.documentElement.classList.toggle("privacy", privacyMode);
+    localStorage.setItem("privacyMode", String(privacyMode));
+  }, [privacyMode]);
+
+  const togglePrivacy = () => setPrivacyMode((p) => !p);
+
+  return (
+    <PrivacyContext.Provider value={{ privacyMode, togglePrivacy }}>
+      {children}
+    </PrivacyContext.Provider>
+  );
+}
+
+export const usePrivacy = () => useContext(PrivacyContext);

frontend/src/contexts/theme-context.tsx

@@ -0,0 +1,40 @@
+"use client";
+
+import { createContext, useContext, useEffect, useState, type ReactNode } from "react";
+
+type Theme = "light" | "dark";
+
+const ThemeContext = createContext<{
+  theme: Theme;
+  toggleTheme: () => void;
+}>({ theme: "dark", toggleTheme: () => {} });
+
+export function ThemeProvider({ children }: { children: ReactNode }) {
+  const [theme, setTheme] = useState<Theme>("dark");
+
+  // Initialize once on mount (localStorage + prefers-color-scheme).
+  useEffect(() => {
+    const saved = localStorage.getItem("theme") as Theme | null;
+    const initial: Theme = saved
+      ? saved
+      : window.matchMedia("(prefers-color-scheme: dark)").matches
+        ? "dark"
+        : "light";
+    setTheme(initial);
+  }, []);
+
+  useEffect(() => {
+    document.documentElement.classList.toggle("dark", theme === "dark");
+    localStorage.setItem("theme", theme);
+  }, [theme]);
+
+  const toggleTheme = () => setTheme((t) => (t === "dark" ? "light" : "dark"));
+
+  return (
+    <ThemeContext.Provider value={{ theme, toggleTheme }}>
+      {children}
+    </ThemeContext.Provider>
+  );
+}
+
+export const useTheme = () => useContext(ThemeContext);

frontend/src/hooks/useBudget.ts

@@ -11,7 +11,9 @@ import {
   createRecurringItem,
   updateRecurringItem as apiUpdateItem,
   deleteRecurringItem as apiDeleteItem,
-} from '@/api';
+  upsertBalanceOverride,
+  deleteBalanceOverride,
+} from '@/lib/api';
 
 export function useBudget(initialYear: number) {
   const [year, setYear] = useState(initialYear);
@@ -71,6 +73,16 @@ export function useBudget(initialYear: number) {
     await Promise.all([fetchProjection(), fetchMonthDetail(), fetchRecurringItems()]);
   };
 
+  const saveBalanceOverride = async (overrideYear: number, month: number, value: number) => {
+    await upsertBalanceOverride(overrideYear, month, value);
+    await fetchProjection();
+  };
+
+  const clearBalanceOverride = async (overrideYear: number, month: number) => {
+    await deleteBalanceOverride(overrideYear, month);
+    await fetchProjection();
+  };
+
   return {
     year,
     setYear,
@@ -84,6 +96,8 @@ export function useBudget(initialYear: number) {
     addItem,
     updateItem,
     deleteItem,
+    saveBalanceOverride,
+    clearBalanceOverride,
     refresh: () => Promise.all([fetchProjection(), fetchMonthDetail(), fetchRecurringItems()]),
   };
 }

frontend/src/hooks/useSettings.ts

@@ -1,55 +0,0 @@
-import { useEffect, useState, useCallback } from 'react';
-import {
-  getSettings,
-  updateSettings,
-  type UserSettingsData,
-  type SectionSettings,
-} from '../api';
-
-const DEFAULT_SETTINGS: UserSettingsData = {
-  dashboard: {
-    sections: {
-      crc_accounts: { label: 'CRC Accounts', color: 'primary', cardColor: 'primary', visible: true, order: 0, expanded: false },
-      usd_accounts: { label: 'USD Accounts', color: 'chart-1', cardColor: 'chart-1', visible: true, order: 1, expanded: false },
-      pension: { label: 'Pension', color: 'chart-2', cardColor: 'chart-2', visible: true, order: 2, expanded: false },
-      savings: { label: 'Savings', color: 'chart-3', cardColor: 'chart-3', visible: true, order: 3, expanded: false },
-      liabilities: { label: 'Liabilities', color: 'destructive', cardColor: 'destructive', visible: true, order: 4, expanded: false },
-      crypto: { label: 'Crypto', color: 'chart-4', cardColor: 'chart-4', visible: true, order: 5, expanded: false },
-    },
-  },
-};
-
-export function useSettings() {
-  const [settings, setSettings] = useState<UserSettingsData>(DEFAULT_SETTINGS);
-  const [loading, setLoading] = useState(true);
-
-  useEffect(() => {
-    getSettings()
-      .then((r) => setSettings(r.data.data))
-      .catch(() => {}) // use defaults on error
-      .finally(() => setLoading(false));
-  }, []);
-
-  const patchSection = useCallback(
-    async (sectionId: string, partial: Partial<SectionSettings>) => {
-      setSettings((prev) => {
-        const updated = {
-          ...prev,
-          dashboard: {
-            ...prev.dashboard,
-            sections: {
-              ...prev.dashboard.sections,
-              [sectionId]: { ...prev.dashboard.sections[sectionId], ...partial },
-            },
-          },
-        };
-        // Fire-and-forget save
-        updateSettings(updated).catch(console.error);
-        return updated;
-      });
-    },
-    []
-  );
-
-  return { settings, loading, patchSection };
-}

frontend/src/index.css

@@ -1,12 +1,15 @@
-@import "tailwindcss";
-@import "tw-animate-css";
-@import "shadcn/tailwind.css";
 @import "@fontsource-variable/noto-sans";
 @import "@fontsource-variable/ibm-plex-sans";
+@import "tailwindcss";
+@import "tw-animate-css";
+@import "@copilotkit/react-core/v2/styles.css";
 
 @custom-variant dark (&:is(.dark *));
 
 :root {
+    --font-sans: "Noto Sans Variable", sans-serif;
+    --font-heading: "IBM Plex Sans Variable", sans-serif;
+
     --background: oklch(1 0 0);
     --foreground: oklch(0.141 0.005 285.823);
     --card: oklch(1 0 0);
@@ -25,11 +28,11 @@
     --border: oklch(0.92 0.004 286.32);
     --input: oklch(0.92 0.004 286.32);
     --ring: oklch(0.705 0.015 286.067);
-    --chart-1: oklch(0.905 0.182 98.111);
-    --chart-2: oklch(0.795 0.184 86.047);
-    --chart-3: oklch(0.681 0.162 75.834);
-    --chart-4: oklch(0.554 0.135 66.442);
-    --chart-5: oklch(0.476 0.114 61.907);
+    --chart-1: oklch(0.55 0.16 145);
+    --chart-2: oklch(0.62 0.19 25);
+    --chart-3: oklch(0.58 0.14 250);
+    --chart-4: oklch(0.68 0.15 80);
+    --chart-5: oklch(0.52 0.13 320);
     --radius: 0.625rem;
     --sidebar: oklch(0.985 0 0);
     --sidebar-foreground: oklch(0.141 0.005 285.823);
@@ -39,6 +42,8 @@
     --sidebar-accent-foreground: oklch(0.21 0.006 285.885);
     --sidebar-border: oklch(0.92 0.004 286.32);
     --sidebar-ring: oklch(0.705 0.015 286.067);
+
+    --copilot-kit-primary-color: var(--primary);
 }
 
 .dark {
@@ -60,11 +65,11 @@
     --border: oklch(1 0 0 / 10%);
     --input: oklch(1 0 0 / 15%);
     --ring: oklch(0.552 0.016 285.938);
-    --chart-1: oklch(0.905 0.182 98.111);
-    --chart-2: oklch(0.795 0.184 86.047);
-    --chart-3: oklch(0.681 0.162 75.834);
-    --chart-4: oklch(0.554 0.135 66.442);
-    --chart-5: oklch(0.476 0.114 61.907);
+    --chart-1: oklch(0.60 0.16 145);
+    --chart-2: oklch(0.67 0.19 25);
+    --chart-3: oklch(0.63 0.14 250);
+    --chart-4: oklch(0.73 0.15 80);
+    --chart-5: oklch(0.57 0.13 320);
     --sidebar: oklch(0.21 0.006 285.885);
     --sidebar-foreground: oklch(0.985 0 0);
     --sidebar-primary: oklch(0.704 0.14 182.503);
@@ -73,11 +78,39 @@
     --sidebar-accent-foreground: oklch(0.985 0 0);
     --sidebar-border: oklch(1 0 0 / 10%);
     --sidebar-ring: oklch(0.552 0.016 285.938);
+
+    --copilot-kit-primary-color: var(--primary);
+}
+
+/* Wire CopilotKit v2 CSS variables to WealthySmart's dark palette.
+   The v2 CSS sets --background/--muted/etc directly on [data-copilotkit]
+   elements (unlayered), overriding inherited values from .dark on <html>.
+   Using html.dark [data-copilotkit] (specificity 0,2,1) beats the v2's
+   own .dark [data-copilotkit] (specificity 0,2,0) and restores dark mode. */
+html.dark [data-copilotkit] {
+    --background: oklch(0.141 0.005 285.823);
+    --foreground: oklch(0.985 0 0);
+    --card: oklch(0.21 0.006 285.885);
+    --card-foreground: oklch(0.985 0 0);
+    --popover: oklch(0.21 0.006 285.885);
+    --popover-foreground: oklch(0.985 0 0);
+    --primary: oklch(0.437 0.078 188.216);
+    --primary-foreground: oklch(0.984 0.014 180.72);
+    --secondary: oklch(0.274 0.006 286.033);
+    --secondary-foreground: oklch(0.985 0 0);
+    --muted: oklch(0.274 0.006 286.033);
+    --muted-foreground: oklch(0.705 0.015 286.067);
+    --accent: oklch(0.274 0.006 286.033);
+    --accent-foreground: oklch(0.985 0 0);
+    --destructive: oklch(0.704 0.191 22.216);
+    --border: oklch(1 0 0 / 10%);
+    --input: oklch(1 0 0 / 15%);
+    --ring: oklch(0.552 0.016 285.938);
 }
 
 @theme inline {
-    --font-sans: 'Noto Sans Variable', sans-serif;
-    --font-heading: 'IBM Plex Sans Variable', sans-serif;
+    --font-sans: var(--font-sans);
+    --font-heading: var(--font-heading);
     --color-sidebar-ring: var(--sidebar-ring);
     --color-sidebar-border: var(--sidebar-border);
     --color-sidebar-accent-foreground: var(--sidebar-accent-foreground);
@@ -124,8 +157,13 @@
   }
   body {
     @apply bg-background text-foreground;
-    }
-  html {
-    @apply font-sans;
+    font-family: var(--font-sans);
   }
 }
+
+/* Privacy mode: blur sensitive financial data */
+.privacy [data-sensitive] {
+  filter: blur(8px);
+  user-select: none;
+  transition: filter 0.2s ease;
+}

frontend/src/lib/api.ts

@@ -0,0 +1,470 @@
+const BASE_URL = "/api/v1";
+
+class ApiError extends Error {
+  response: { status: number; data: unknown };
+  constructor(status: number, data: unknown) {
+    super(`Request failed with status ${status}`);
+    this.response = { status, data };
+  }
+}
+
+interface RequestConfig {
+  params?: Record<string, string | number | boolean | undefined>;
+}
+
+async function request<T>(
+  method: string,
+  url: string,
+  body?: unknown,
+  config?: RequestConfig,
+): Promise<{ data: T }> {
+  let fullUrl = `${BASE_URL}${url}`;
+
+  if (config?.params) {
+    const search = new URLSearchParams();
+    for (const [k, v] of Object.entries(config.params)) {
+      if (v !== undefined) search.set(k, String(v));
+    }
+    const qs = search.toString();
+    if (qs) fullUrl += `?${qs}`;
+  }
+
+  const headers: Record<string, string> = {};
+  let fetchBody: BodyInit | undefined;
+  if (body instanceof FormData || body instanceof URLSearchParams) {
+    fetchBody = body;
+  } else if (body !== undefined) {
+    headers["Content-Type"] = "application/json";
+    fetchBody = JSON.stringify(body);
+  }
+
+  const res = await fetch(fullUrl, {
+    method,
+    headers,
+    body: fetchBody,
+    credentials: "same-origin",
+  });
+
+  if (res.status === 401) {
+    await fetch("/api/auth/logout", { method: "POST" }).catch(() => {});
+    if (typeof window !== "undefined") window.location.replace("/login");
+    throw new ApiError(401, null);
+  }
+
+  if (!res.ok) {
+    let data: unknown = null;
+    try {
+      data = await res.json();
+    } catch {}
+    throw new ApiError(res.status, data);
+  }
+
+  if (res.status === 204) return { data: null as T };
+
+  const data = await res.json();
+  return { data };
+}
+
+const api = {
+  get<T = unknown>(url: string, config?: RequestConfig) {
+    return request<T>("GET", url, undefined, config);
+  },
+  post<T = unknown>(url: string, body?: unknown, config?: RequestConfig) {
+    return request<T>("POST", url, body, config);
+  },
+  patch<T = unknown>(url: string, body?: unknown, config?: RequestConfig) {
+    return request<T>("PATCH", url, body, config);
+  },
+  put<T = unknown>(url: string, body?: unknown, config?: RequestConfig) {
+    return request<T>("PUT", url, body, config);
+  },
+  delete<T = unknown>(url: string, config?: RequestConfig) {
+    return request<T>("DELETE", url, undefined, config);
+  },
+};
+
+export default api;
+
+export async function login(username: string, password: string) {
+  const res = await fetch("/api/auth/login", {
+    method: "POST",
+    headers: { "Content-Type": "application/json" },
+    body: JSON.stringify({ username, password }),
+    credentials: "same-origin",
+  });
+  if (!res.ok) {
+    let data: unknown = null;
+    try {
+      data = await res.json();
+    } catch {}
+    throw new ApiError(res.status, data);
+  }
+  return res.json();
+}
+
+export async function logout() {
+  await fetch("/api/auth/logout", { method: "POST", credentials: "same-origin" });
+}
+
+// ─── Types ──────────────────────────────────────────────────────────────────
+
+export interface Account {
+  id: number;
+  bank: string;
+  currency: string;
+  label: string;
+  balance: number;
+  account_type: string;
+  next_payment: number | null;
+  updated_at: string;
+}
+
+export interface Category {
+  id: number;
+  name: string;
+  icon: string;
+  auto_match_patterns: string | null;
+}
+
+export interface ImportResult {
+  imported: number;
+  duplicates: number;
+  errors: string[];
+}
+
+export interface Transaction {
+  id: number;
+  amount: number;
+  currency: string;
+  merchant: string;
+  city: string | null;
+  date: string;
+  card_type: string | null;
+  card_last4: string | null;
+  authorization_code: string | null;
+  reference: string | null;
+  transaction_type: string;
+  source: string;
+  bank: string;
+  notes: string | null;
+  category_id: number | null;
+  category: Category | null;
+  deferred_to_next_cycle: boolean;
+  created_at: string;
+}
+
+// --- Budget / Recurring Items ---
+
+export type RecurringItemType = "INCOME" | "EXPENSE";
+export type RecurringFrequency =
+  | "WEEKLY"
+  | "MONTHLY"
+  | "QUARTERLY"
+  | "BIANNUAL"
+  | "YEARLY";
+
+export interface RecurringItem {
+  id: number;
+  name: string;
+  amount: number;
+  currency: string;
+  item_type: RecurringItemType;
+  frequency: RecurringFrequency;
+  day_of_month: number | null;
+  month_of_year: number | null;
+  override_amounts: Record<string, number> | null;
+  category_id: number | null;
+  is_active: boolean;
+  notes: string | null;
+  created_at: string;
+  category: Category | null;
+}
+
+export interface RecurringItemCreate {
+  name: string;
+  amount: number;
+  currency?: string;
+  item_type: RecurringItemType;
+  frequency?: RecurringFrequency;
+  day_of_month?: number | null;
+  month_of_year?: number | null;
+  override_amounts?: Record<string, number> | null;
+  category_id?: number | null;
+  is_active?: boolean;
+  notes?: string | null;
+}
+
+export interface RecurringItemUpdate {
+  name?: string;
+  amount?: number;
+  currency?: string;
+  item_type?: RecurringItemType;
+  frequency?: RecurringFrequency;
+  day_of_month?: number | null;
+  month_of_year?: number | null;
+  override_amounts?: Record<string, number> | null;
+  category_id?: number | null;
+  is_active?: boolean;
+  notes?: string | null;
+}
+
+export interface RecurringItemDetail {
+  id: number;
+  name: string;
+  amount: number;
+  projected_amount: number | null;
+  used_actual: boolean;
+  item_type: string;
+  frequency: string;
+  category_name: string | null;
+  category_id: number | null;
+}
+
+export interface ActualsBySource {
+  source: string;
+  total_compra: number;
+  total_devolucion: number;
+  net: number;
+  count: number;
+}
+
+export interface MonthlyProjection {
+  month: number;
+  year: number;
+  projected_income: number;
+  projected_fixed_expenses: number;
+  actual_credit_card: number;
+  actual_cash: number;
+  actual_transfers: number;
+  uncovered_actual: number;
+  gran_total_egresos: number;
+  net_balance: number;
+  carryover_balance: number;
+  cumulative_balance: number;
+  balance_overridden: boolean;
+}
+
+export interface YearlyProjection {
+  year: number;
+  months: MonthlyProjection[];
+  annual_income: number;
+  annual_expenses: number;
+  annual_net: number;
+}
+
+export interface MonthlyDetail {
+  year: number;
+  month: number;
+  income_items: RecurringItemDetail[];
+  expense_items: RecurringItemDetail[];
+  actuals_by_source: ActualsBySource[];
+  total_projected_income: number;
+  total_projected_expenses: number;
+  uncovered_actual: number;
+  gran_total_egresos: number;
+  net_balance: number;
+  cc_by_category: { category_name: string; amount: number }[];
+}
+
+// --- Savings Accrual ---
+
+export interface SavingsAccrual {
+  id: number;
+  year: number;
+  month: number;
+  memp_amount: number;
+  mpat_amount: number;
+  trigger_transaction_id: number | null;
+  applied_at: string;
+  notes: string | null;
+}
+
+export interface SavingsAccrualCreate {
+  year: number;
+  month: number;
+  memp_amount?: number;
+  mpat_amount?: number;
+  trigger_transaction_id?: number | null;
+  notes?: string | null;
+}
+
+export interface SavingsAccrualUpdate {
+  memp_amount?: number;
+  mpat_amount?: number;
+  notes?: string | null;
+}
+
+export const getSavingsAccruals = () =>
+  api.get<SavingsAccrual[]>("/savings-accrual/");
+export const createSavingsAccrual = (data: SavingsAccrualCreate) =>
+  api.post<SavingsAccrual>("/savings-accrual/", data);
+export const updateSavingsAccrual = (id: number, data: SavingsAccrualUpdate) =>
+  api.patch<SavingsAccrual>(`/savings-accrual/${id}`, data);
+export const deleteSavingsAccrual = (id: number) =>
+  api.delete(`/savings-accrual/${id}`);
+
+// --- Budget ---
+
+export const getRecurringItems = (params?: {
+  item_type?: string;
+  is_active?: boolean;
+}) => api.get<RecurringItem[]>("/budget/recurring", { params });
+export const createRecurringItem = (data: RecurringItemCreate) =>
+  api.post<RecurringItem>("/budget/recurring", data);
+export const updateRecurringItem = (id: number, data: RecurringItemUpdate) =>
+  api.patch<RecurringItem>(`/budget/recurring/${id}`, data);
+export const deleteRecurringItem = (id: number) =>
+  api.delete(`/budget/recurring/${id}`);
+export const getYearlyProjection = (year: number) =>
+  api.get<YearlyProjection>(`/budget/projection/${year}`);
+export const getMonthlyDetail = (year: number, month: number) =>
+  api.get<MonthlyDetail>(`/budget/month/${year}/${month}`);
+export const upsertBalanceOverride = (
+  year: number,
+  month: number,
+  override_balance: number,
+) =>
+  api.put(`/budget/balance-override/${year}/${month}`, { override_balance });
+export const deleteBalanceOverride = (year: number, month: number) =>
+  api.delete(`/budget/balance-override/${year}/${month}`);
+
+// --- Salarios ---
+
+export interface SalariosSummary {
+  count: number;
+  total_amount: number;
+  latest_date: string | null;
+}
+
+export const getSalarios = (params?: { limit?: number; offset?: number }) =>
+  api.get<Transaction[]>("/salarios/", { params });
+export const getSalariosSummary = () =>
+  api.get<SalariosSummary>("/salarios/summary");
+
+// --- Pensions ---
+
+export interface PensionSnapshot {
+  id: number;
+  fund: string;
+  contract_number: string;
+  period_start: string;
+  period_end: string;
+  saldo_anterior: number;
+  aportes: number;
+  rendimientos: number;
+  retiros: number;
+  traslados: number;
+  comision: number;
+  correccion: number;
+  bonificacion: number;
+  saldo_final: number;
+  source_filename: string;
+  created_at: string;
+}
+
+export interface PensionUploadResult {
+  imported: number;
+  updated: number;
+  duplicates: number;
+  errors: string[];
+  snapshots: PensionSnapshot[];
+}
+
+export interface PensionManualEntry {
+  fund: string;
+  period_start: string;
+  period_end: string;
+  saldo_anterior: number;
+  aportes: number;
+  rendimientos: number;
+  retiros: number;
+  traslados: number;
+  comision: number;
+  correccion: number;
+  bonificacion: number;
+  saldo_final: number;
+}
+
+export const uploadPensionPDFs = (files: File[]) => {
+  const form = new FormData();
+  files.forEach((f) => form.append("files", f));
+  return api.post<PensionUploadResult>("/pensions/upload", form);
+};
+
+export const getPensionSnapshots = () =>
+  api.get<PensionSnapshot[]>("/pensions/snapshots");
+export const getPensionFundSummary = () =>
+  api.get<PensionSnapshot[]>("/pensions/fund-summary");
+export const submitPensionManualEntries = (entries: PensionManualEntry[]) =>
+  api.post<PensionUploadResult>("/pensions/manual", { entries });
+
+// --- Municipal Receipts ---
+
+export interface MunicipalCharge {
+  detail: string;
+  amount: number;
+}
+
+export interface WaterMeterReading {
+  id: number;
+  meter_id: string;
+  period: string;
+  reading_previous: number;
+  reading_current: number;
+  consumption_m3: number;
+  agua_potable: number;
+  serv_ambientales: number;
+  alcant_sanitario: number;
+  iva: number;
+  is_historical: boolean;
+  receipt_id: number | null;
+  created_at: string;
+}
+
+export interface MunicipalReceipt {
+  id: number;
+  receipt_date: string;
+  due_date: string;
+  period: string;
+  account: string;
+  finca: string;
+  holder_name: string;
+  holder_cedula: string;
+  holder_address: string;
+  subtotal: number;
+  interests: number;
+  iva: number;
+  total: number;
+  raw_charges: MunicipalCharge[];
+  source_filename: string;
+  created_at: string;
+}
+
+export interface MunicipalReceiptDetail extends MunicipalReceipt {
+  water_readings: WaterMeterReading[];
+}
+
+export interface MunicipalReceiptUploadResult {
+  imported: number;
+  updated: number;
+  errors: string[];
+  receipt: MunicipalReceipt | null;
+}
+
+export const uploadMunicipalReceipt = (file: File) => {
+  const form = new FormData();
+  form.append("file", file);
+  return api.post<MunicipalReceiptUploadResult>(
+    "/municipal-receipts/upload",
+    form,
+  );
+};
+
+export const getMunicipalReceipts = () =>
+  api.get<MunicipalReceipt[]>("/municipal-receipts/");
+export const getMunicipalReceiptDetail = (id: number) =>
+  api.get<MunicipalReceiptDetail>(`/municipal-receipts/${id}`);
+export const getWaterConsumption = (months?: number) =>
+  api.get<WaterMeterReading[]>("/municipal-receipts/water-consumption", {
+    params: months ? { months } : undefined,
+  });

frontend/src/lib/format.ts

@@ -5,9 +5,17 @@ export function formatAmount(amount: number, currency: string) {
   if (currency === 'USD') {
     return `$${abs.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
   }
+  if (currency === 'EUR') {
+    return `€${abs.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+  }
   return `₡${abs.toLocaleString('es-CR', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
 }
 
+export function formatLocalDatetime(d: Date): string {
+  const pad = (n: number) => n.toString().padStart(2, '0');
+  return `${d.getFullYear()}-${pad(d.getMonth() + 1)}-${pad(d.getDate())}T${pad(d.getHours())}:${pad(d.getMinutes())}`;
+}
+
 export function formatDate(dateStr: string) {
   return new Date(dateStr).toLocaleDateString('en-US', { month: 'short', day: 'numeric' });
 }

frontend/src/lib/parsePensionPaste.ts

@@ -0,0 +1,179 @@
+export interface PensionParsedEntry {
+  fund: string;
+  period_start: string; // YYYY-MM-DD
+  period_end: string;
+  saldo_anterior: number;
+  aportes: number;
+  rendimientos: number;
+  retiros: number;
+  traslados: number;
+  comision: number;
+  correccion: number;
+  bonificacion: number;
+  saldo_final: number;
+}
+
+function parseAmount(raw: string): number {
+  const cleaned = raw.replace(/[¢\s]/g, '').replace(/,/g, '');
+  const num = parseFloat(cleaned);
+  return isNaN(num) ? 0 : num;
+}
+
+function parseDateDMY(raw: string): string {
+  const m = raw.match(/(\d{2})\/(\d{2})\/(\d{4})/);
+  if (!m) return '';
+  return `${m[3]}-${m[2]}-${m[1]}`;
+}
+
+function extractAmounts(line: string): number[] {
+  const matches = line.match(/¢\s*-?[\d,.]+/g);
+  if (!matches) return [];
+  return matches.map(parseAmount);
+}
+
+// Field labels in the order they appear in the bank statement
+const FIELD_LABELS: [RegExp, string][] = [
+  [/saldo\s*anterior/i, 'saldo_anterior'],
+  [/aportes/i, 'aportes'],
+  [/rendimientos/i, 'rendimientos'],
+  [/retiros/i, 'retiros'],
+  [/traslados/i, 'traslados'],
+  [/comisi[oó]n/i, 'comision'],
+  [/bonificaci[oó]n/i, 'bonificacion'],
+];
+
+interface BlockResult {
+  funds: string[];
+  fields: Record<string, number[]>;
+  period_start: string;
+  period_end: string;
+}
+
+function parseBlock(lines: string[]): BlockResult | null {
+  const result: BlockResult = {
+    funds: [],
+    fields: {},
+    period_start: '',
+    period_end: '',
+  };
+
+  // Detect fund columns from header
+  const headerLine = lines.find((l) => /resumen del per[ií]odo/i.test(l));
+  if (!headerLine) return null;
+
+  if (/\bROP\b/i.test(headerLine) && /\bFCL\b/i.test(headerLine)) {
+    result.funds = ['ROP', 'FCL'];
+  } else if (/voluntario/i.test(headerLine) || /\bVOL\b/i.test(headerLine)) {
+    result.funds = ['VOL'];
+  } else {
+    return null;
+  }
+
+  // Strategy 1: Try same-line parsing (label + amounts on same line)
+  // Strategy 2: Collect standalone amount lines for split-format parsing
+  const detectedFieldOrder: string[] = [];
+  const standaloneAmounts: number[] = [];
+
+  for (const line of lines) {
+    // Check for period
+    const periodMatch = line.match(/del\s+(\d{2}\/\d{2}\/\d{4})\s+al\s+(\d{2}\/\d{2}\/\d{4})/i);
+    if (periodMatch) {
+      result.period_start = parseDateDMY(periodMatch[1]);
+      result.period_end = parseDateDMY(periodMatch[2]);
+      continue;
+    }
+
+    // Check for "Saldo Actual" line (always has amounts inline)
+    if (/saldo\s*actual/i.test(line)) {
+      const amounts = extractAmounts(line);
+      if (amounts.length > 0) {
+        result.fields['saldo_final'] = amounts;
+      }
+      continue;
+    }
+
+    // Check if this line matches a field label
+    let matchedLabel = false;
+    for (const [regex, key] of FIELD_LABELS) {
+      if (regex.test(line)) {
+        matchedLabel = true;
+        const amounts = extractAmounts(line);
+        if (amounts.length > 0) {
+          // Strategy 1: amounts on same line as label
+          result.fields[key] = amounts;
+        } else {
+          // Strategy 2: label-only line, record the order
+          detectedFieldOrder.push(key);
+        }
+        break;
+      }
+    }
+
+    // If not a label line, check if it's a standalone amount line
+    if (!matchedLabel) {
+      const amounts = extractAmounts(line);
+      if (amounts.length === 1) {
+        standaloneAmounts.push(amounts[0]);
+      }
+    }
+  }
+
+  // If we have standalone amounts and field labels, map them
+  // Format: N labels, then N amounts for fund1, then N amounts for fund2, ...
+  if (detectedFieldOrder.length > 0 && standaloneAmounts.length > 0) {
+    const numFields = detectedFieldOrder.length;
+    const numFunds = result.funds.length;
+
+    if (standaloneAmounts.length >= numFields * numFunds) {
+      for (let f = 0; f < numFunds; f++) {
+        for (let i = 0; i < numFields; i++) {
+          const key = detectedFieldOrder[i];
+          if (!result.fields[key]) result.fields[key] = [];
+          result.fields[key].push(standaloneAmounts[f * numFields + i]);
+        }
+      }
+    }
+  }
+
+  return result;
+}
+
+export function parsePensionPaste(text: string): PensionParsedEntry[] {
+  // Split into blocks by "---" or multiple blank lines
+  const blocks = text.split(/(?:^|\n)-{3,}(?:\n|$)|\n{3,}/);
+  const entries: PensionParsedEntry[] = [];
+
+  for (const block of blocks) {
+    const lines = block.split('\n').filter((l) => l.trim());
+    if (lines.length < 3) continue;
+
+    const parsed = parseBlock(lines);
+    if (!parsed || !parsed.period_start || !parsed.period_end) continue;
+
+    for (let i = 0; i < parsed.funds.length; i++) {
+      const fund = parsed.funds[i];
+      const get = (key: string): number => {
+        const vals = parsed.fields[key];
+        if (!vals) return 0;
+        return vals[i] ?? vals[0] ?? 0;
+      };
+
+      entries.push({
+        fund,
+        period_start: parsed.period_start,
+        period_end: parsed.period_end,
+        saldo_anterior: get('saldo_anterior'),
+        aportes: get('aportes'),
+        rendimientos: get('rendimientos'),
+        retiros: get('retiros'),
+        traslados: get('traslados'),
+        comision: get('comision'),
+        correccion: 0,
+        bonificacion: get('bonificacion'),
+        saldo_final: get('saldo_final'),
+      });
+    }
+  }
+
+  return entries;
+}

frontend/src/main.tsx

@@ -1,14 +1,10 @@
-import { StrictMode } from 'react';
-import { createRoot } from 'react-dom/client';
-import App from './App';
-import './index.css';
+import { StrictMode } from "react";
+import { createRoot } from "react-dom/client";
+import App from "./App";
+import "./index.css";
 
-createRoot(document.getElementById('root')!).render(
+createRoot(document.getElementById("root")!).render(
   <StrictMode>
     <App />
   </StrictMode>,
 );
-
-if ('serviceWorker' in navigator) {
-  navigator.serviceWorker.register('/sw.js');
-}

frontend/src/pages/Analytics.tsx

@@ -12,8 +12,8 @@ import {
 } from 'recharts';
 import { BarChart3 } from 'lucide-react';
 
-import api from '../api';
-import BillingCycleSelector from '../components/BillingCycleSelector';
+import api from '@/lib/api';
+import BillingCycleSelector from '@/components/BillingCycleSelector';
 import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
 import {
   ChartContainer,
@@ -46,9 +46,8 @@ interface DailySpending {
 }
 
 const COLORS = [
-  'var(--chart-1)', 'var(--chart-2)', 'var(--chart-3)', 'var(--chart-4)', 'var(--chart-5)',
-  'oklch(0.7 0.15 30)', 'oklch(0.65 0.2 300)', 'oklch(0.6 0.15 150)',
-  'oklch(0.75 0.12 60)', 'oklch(0.55 0.18 250)',
+  '#B45309', '#16A34A', '#2563EB', '#DC2626', '#7C3AED',
+  '#D97706', '#0F766E', '#DB2777', '#EA580C', '#4F46E5',
 ];
 
 function formatCRC(value: number) {
@@ -132,7 +131,7 @@ export default function Analytics() {
               </div>
             ) : (
               <div className="flex flex-col items-center">
-                <ChartContainer config={pieChartConfig} className="h-[260px] w-full">
+                <ChartContainer data-sensitive config={pieChartConfig} className="h-[260px] w-full">
                   <PieChart>
                     <Pie
                       data={byCategory}
@@ -168,7 +167,7 @@ export default function Analytics() {
                         style={{ background: COLORS[i % COLORS.length] }}
                       />
                       <span className="text-muted-foreground truncate">{cat.category_name}</span>
-                      <span className="text-muted-foreground/60 ml-auto">{cat.percentage}%</span>
+                      <span data-sensitive className="text-muted-foreground/60 ml-auto">{cat.percentage}%</span>
                     </div>
                   ))}
                 </div>
@@ -190,7 +189,7 @@ export default function Analytics() {
                 No data
               </div>
             ) : (
-              <ChartContainer config={trendChartConfig} className="h-[300px] w-full">
+              <ChartContainer data-sensitive config={trendChartConfig} className="h-[300px] w-full">
                 <BarChart data={trend}>
                   <XAxis
                     dataKey="label"
@@ -229,7 +228,7 @@ export default function Analytics() {
                 No data for this period
               </div>
             ) : (
-              <ChartContainer config={dailyChartConfig} className="h-[240px] w-full">
+              <ChartContainer data-sensitive config={dailyChartConfig} className="h-[240px] w-full">
                 <LineChart data={daily}>
                   <XAxis
                     dataKey="date"
@@ -287,11 +286,11 @@ export default function Analytics() {
                     style={{ background: COLORS[i % COLORS.length] }}
                   />
                   <span className="text-sm flex-1">{cat.category_name}</span>
-                  <span className="text-xs text-muted-foreground">{cat.count} txns</span>
-                  <span className="text-sm font-mono font-medium w-32 text-right">
+                  <span data-sensitive className="text-xs text-muted-foreground">{cat.count} txns</span>
+                  <span data-sensitive className="text-sm font-mono font-medium w-32 text-right">
                     {formatCRC(cat.total)}
                   </span>
-                  <div className="w-24 bg-muted rounded-full h-1.5">
+                  <div data-sensitive className="w-24 bg-muted rounded-full h-1.5">
                     <div
                       className="h-1.5 rounded-full"
                       style={{

frontend/src/pages/Asistente.tsx

@@ -0,0 +1,80 @@
+import { CopilotChat, useConfigureSuggestions } from "@copilotkit/react-core/v2";
+import { useCopilotAction } from "@copilotkit/react-core";
+import { Sparkles } from "lucide-react";
+import { SpendingSummaryCard, type SpendingSummaryArgs } from "@/components/chat/ChatCards";
+
+const STATIC_SUGGESTIONS = {
+  available: "before-first-message" as const,
+  suggestions: [
+    { title: "¿Cuál es mi saldo neto hoy?", message: "¿Cuál es mi saldo neto hoy?" },
+    { title: "¿Cuánto gasté en el ciclo anterior?", message: "¿Cuánto gasté en el ciclo anterior?" },
+    { title: "Últimas 10 transacciones", message: "Muéstrame mis últimas 10 transacciones" },
+    { title: "¿Cómo va mi pensión?", message: "¿Cómo va mi pensión?" },
+  ],
+};
+
+export default function Asistente() {
+  useConfigureSuggestions(STATIC_SUGGESTIONS);
+
+  useCopilotAction({
+    name: "render_spending_summary",
+    description:
+      "Render a visual spending summary card with source breakdown and category progress bars. " +
+      "Call this for any cycle summary, spending totals, or category breakdown.",
+    parameters: [
+      { name: "title", type: "string", description: "Card title (e.g. 'Ciclo actual')" },
+      { name: "period", type: "string", description: "Human-readable period (e.g. '18 mar → 18 abr 2026')" },
+      { name: "total_crc", type: "number", description: "Total spend in CRC" },
+      {
+        name: "by_source",
+        type: "object[]",
+        description: "Breakdown by payment source",
+        attributes: [
+          { name: "source", type: "string" },
+          { name: "total_crc", type: "number" },
+          { name: "count", type: "number" },
+        ],
+      },
+      {
+        name: "by_category",
+        type: "object[]",
+        required: false,
+        description: "Top spending categories with CRC amounts",
+        attributes: [
+          { name: "category", type: "string" },
+          { name: "amount_crc", type: "number" },
+          { name: "count", type: "number" },
+        ],
+      },
+    ],
+    handler: async () => "ok",
+    render: (props) => (
+      <SpendingSummaryCard args={props.args as SpendingSummaryArgs} status={props.status} />
+    ),
+  });
+
+  return (
+    <div className="flex flex-col h-[calc(100vh-105px)]">
+      <div className="mb-4">
+        <h1 className="text-2xl font-bold tracking-tight flex items-center gap-2" style={{ fontFamily: "var(--font-heading)" }}>
+          <Sparkles className="w-5 h-5 text-primary" />
+          Asistente
+        </h1>
+        <p className="text-sm text-muted-foreground">
+          Pregúntale a WealthySmart sobre tus finanzas.
+        </p>
+      </div>
+
+      <div className="flex-1 min-h-0 rounded-xl border border-border overflow-hidden bg-card">
+        <CopilotChat
+          className="h-full"
+          labels={{
+            modalHeaderTitle: "WealthySmart",
+            welcomeMessageText: "¿Qué quieres saber sobre tus finanzas?",
+            chatInputPlaceholder: "Escribe tu pregunta…",
+          }}
+        />
+      </div>
+    </div>
+  );
+}

frontend/src/pages/Budget.tsx

@@ -1,14 +1,10 @@
 import { useState, useEffect, useCallback } from 'react';
-import { ChevronLeft, ChevronRight, Calculator, Loader2 } from 'lucide-react';
+import { ChevronLeft, ChevronRight, Calculator } from 'lucide-react';
 
-import api, { type Transaction } from '@/api';
+import api, { type Transaction } from '@/lib/api';
 import { useBudget } from '@/hooks/useBudget';
-import { formatAmount } from '@/lib/format';
-import { cn } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
-import { Card, CardContent } from '@/components/ui/card';
 import { Tabs, TabsContent, TabsList, TabsTrigger } from '@/components/ui/tabs';
-import YearlyOverview from '@/components/budget/YearlyOverview';
 import MonthlyDetail from '@/components/budget/MonthlyDetail';
 import RecurringItemsManager from '@/components/budget/RecurringItemsManager';
 import TransactionList from '@/components/TransactionList';
@@ -18,17 +14,18 @@ const MONTH_NAMES = [
   'Julio', 'Agosto', 'Septiembre', 'Octubre', 'Noviembre', 'Diciembre',
 ];
 
+const MIN_YEAR = 2026;
+const MAX_YEAR = 2030;
+
 export default function Budget() {
-  const currentYear = new Date().getFullYear();
+  const currentYear = Math.max(MIN_YEAR, new Date().getFullYear());
   const {
     year,
     setYear,
     selectedMonth,
     setSelectedMonth,
-    projection,
     monthDetail,
     recurringItems,
-    loading,
     monthLoading,
     addItem,
     updateItem,
@@ -36,36 +33,62 @@ export default function Budget() {
     refresh,
   } = useBudget(currentYear);
 
+  const [subTab, setSubTab] = useState<'detail' | 'transactions'>('detail');
+
   // Transaction list state for the selected month
   const [transactions, setTransactions] = useState<Transaction[]>([]);
   const [txLoading, setTxLoading] = useState(false);
   const [txSearch, setTxSearch] = useState('');
-  const [txSource, setTxSource] = useState<'CREDIT_CARD' | 'CASH' | 'TRANSFER'>('CREDIT_CARD');
+  const [txSource, setTxSource] = useState<'CREDIT_CARD' | 'CASH_AND_TRANSFER'>('CREDIT_CARD');
 
   const fetchTransactions = useCallback(async () => {
     setTxLoading(true);
     try {
-      // Use calendar month date range
+      const params: Record<string, unknown> = {
+        search: txSearch || undefined,
+        limit: 200,
+      };
+
+      if (txSource === 'CREDIT_CARD') {
+        params.source = 'CREDIT_CARD';
+        // Credit card: billing cycle that ends around the 18th of selectedMonth
+        const prevMonth = selectedMonth === 1 ? 12 : selectedMonth - 1;
+        const prevYear = selectedMonth === 1 ? year - 1 : year;
+        params.cycle_year = prevYear;
+        params.cycle_month = prevMonth;
+      } else {
+        // Cash + Transfer merged: calendar month, exclude credit card
+        params.exclude_source = 'CREDIT_CARD';
         const startDate = `${year}-${String(selectedMonth).padStart(2, '0')}-01`;
         const endMonth = selectedMonth === 12 ? 1 : selectedMonth + 1;
         const endYear = selectedMonth === 12 ? year + 1 : year;
         const endDate = `${endYear}-${String(endMonth).padStart(2, '0')}-01`;
+        params.start_date = startDate;
+        params.end_date = endDate;
+      }
 
-      const { data } = await api.get<Transaction[]>('/transactions/', {
-        params: {
-          source: txSource,
-          search: txSearch || undefined,
-          limit: 200,
-          start_date: startDate,
-          end_date: endDate,
-        },
-      });
-      setTransactions(data);
+      const { data } = await api.get<Transaction[]>('/transactions/', { params });
+      const INCOME_TYPES = ['DEPOSITO', 'SALARY'];
+      const filtered = data.filter((tx) => !INCOME_TYPES.includes(tx.transaction_type));
+      setTransactions(filtered);
     } finally {
       setTxLoading(false);
     }
   }, [year, selectedMonth, txSource, txSearch]);
 
+  const handleToggleDeferred = useCallback(async (tx: Transaction) => {
+    await api.patch(`/transactions/${tx.id}`, {
+      deferred_to_next_cycle: !tx.deferred_to_next_cycle,
+    });
+    fetchTransactions();
+    refresh();
+  }, [fetchTransactions, refresh]);
+
+  const handleNavigateToTransactions = useCallback(() => {
+    setTxSource('CASH_AND_TRANSFER');
+    setSubTab('transactions');
+  }, []);
+
   useEffect(() => {
     fetchTransactions();
   }, [fetchTransactions]);
@@ -79,11 +102,11 @@ export default function Budget() {
           <h1 className="text-2xl font-bold tracking-tight">Presupuesto</h1>
         </div>
         <div className="flex items-center gap-1">
-          <Button variant="outline" size="icon" onClick={() => setYear(year - 1)}>
+          <Button variant="outline" size="icon" disabled={year <= MIN_YEAR} onClick={() => setYear(year - 1)}>
             <ChevronLeft className="w-4 h-4" />
           </Button>
           <span className="w-16 text-center font-semibold tabular-nums">{year}</span>
-          <Button variant="outline" size="icon" onClick={() => setYear(year + 1)}>
+          <Button variant="outline" size="icon" disabled={year >= MAX_YEAR} onClick={() => setYear(year + 1)}>
             <ChevronRight className="w-4 h-4" />
           </Button>
         </div>
@@ -95,90 +118,63 @@ export default function Budget() {
           <TabsTrigger value="items">Items Recurrentes</TabsTrigger>
         </TabsList>
 
-        <TabsContent value="overview" className="space-y-6 mt-4">
-          {/* Annual Summary */}
-          {projection && (
-            <div className="grid gap-3 grid-cols-2 md:grid-cols-4">
-              <Card>
-                <CardContent className="pt-4 pb-3 px-4">
-                  <p className="text-xs text-muted-foreground">Ingresos Anuales</p>
-                  <p className="text-lg font-bold font-mono text-primary">
-                    {formatAmount(projection.annual_income, 'CRC')}
-                  </p>
-                </CardContent>
-              </Card>
-              <Card>
-                <CardContent className="pt-4 pb-3 px-4">
-                  <p className="text-xs text-muted-foreground">Egresos Anuales</p>
-                  <p className="text-lg font-bold font-mono">
-                    {formatAmount(projection.annual_expenses, 'CRC')}
-                  </p>
-                </CardContent>
-              </Card>
-              <Card>
-                <CardContent className="pt-4 pb-3 px-4">
-                  <p className="text-xs text-muted-foreground">Ahorro Anual</p>
-                  <p className="text-lg font-bold font-mono">
-                    {formatAmount(projection.annual_savings, 'CRC')}
-                  </p>
-                </CardContent>
-              </Card>
-              <Card>
-                <CardContent className="pt-4 pb-3 px-4">
-                  <p className="text-xs text-muted-foreground">Balance Neto Anual</p>
-                  <p
-                    className={cn(
-                      'text-lg font-bold font-mono',
-                      projection.annual_net >= 0 ? 'text-primary' : 'text-destructive',
-                    )}
+        <TabsContent value="overview" className="mt-4">
+          <Tabs
+            value={subTab}
+            onValueChange={(v) => setSubTab(v as typeof subTab)}
           >
-                    {projection.annual_net >= 0 ? '+' : ''}
-                    {formatAmount(projection.annual_net, 'CRC')}
-                  </p>
-                </CardContent>
-              </Card>
+            <div className="flex items-center justify-between">
+              <TabsList variant="line">
+                <TabsTrigger value="detail">Detalle</TabsTrigger>
+                <TabsTrigger value="transactions">Transacciones</TabsTrigger>
+              </TabsList>
+              <div className="flex items-center gap-1">
+                <Button
+                  variant="ghost"
+                  size="icon"
+                  className="h-7 w-7"
+                  disabled={selectedMonth <= 1}
+                  onClick={() => setSelectedMonth(selectedMonth - 1)}
+                >
+                  <ChevronLeft className="w-4 h-4" />
+                </Button>
+                <span className="text-sm font-medium w-28 text-center">
+                  {MONTH_NAMES[selectedMonth]} {year}
+                </span>
+                <Button
+                  variant="ghost"
+                  size="icon"
+                  className="h-7 w-7"
+                  disabled={selectedMonth >= 12}
+                  onClick={() => setSelectedMonth(selectedMonth + 1)}
+                >
+                  <ChevronRight className="w-4 h-4" />
+                </Button>
+              </div>
             </div>
-          )}
 
-          {/* Yearly Overview Table */}
-          {loading ? (
-            <div className="flex items-center justify-center py-12">
-              <Loader2 className="w-6 h-6 animate-spin text-muted-foreground" />
-            </div>
-          ) : projection ? (
-            <Card>
-              <CardContent className="p-0">
-                <YearlyOverview
-                  months={projection.months}
-                  selectedMonth={selectedMonth}
-                  onSelectMonth={setSelectedMonth}
+            <TabsContent value="detail" className="space-y-6 mt-4">
+              <MonthlyDetail
+                detail={monthDetail}
+                loading={monthLoading || !monthDetail}
+                onNavigateToTransactions={handleNavigateToTransactions}
               />
-              </CardContent>
-            </Card>
-          ) : null}
+            </TabsContent>
 
-          {/* Monthly Detail */}
-          {monthDetail && <MonthlyDetail detail={monthDetail} loading={monthLoading} />}
-
-          {/* Transactions for selected month */}
-          <div className="space-y-3">
-            <h3 className="text-lg font-semibold">
-              Transacciones — {MONTH_NAMES[selectedMonth]} {year}
-            </h3>
+            <TabsContent value="transactions" className="space-y-3 mt-4">
               <Tabs
                 value={txSource}
                 onValueChange={(v) => setTxSource(v as typeof txSource)}
               >
                 <TabsList>
                   <TabsTrigger value="CREDIT_CARD">Tarjeta</TabsTrigger>
-                <TabsTrigger value="CASH">Efectivo</TabsTrigger>
-                <TabsTrigger value="TRANSFER">Transferencias</TabsTrigger>
+                  <TabsTrigger value="CASH_AND_TRANSFER">Efectivo y Transferencias</TabsTrigger>
                 </TabsList>
               </Tabs>
               <TransactionList
                 transactions={transactions}
                 loading={txLoading}
-              source={txSource}
+                source={txSource === 'CREDIT_CARD' ? 'CREDIT_CARD' : 'CASH'}
                 search={txSearch}
                 onSearchChange={setTxSearch}
                 onRefresh={() => {
@@ -186,9 +182,12 @@ export default function Budget() {
                   refresh();
                 }}
                 showCategory={txSource === 'CREDIT_CARD'}
-              emptyMessage={`Sin transacciones de ${txSource === 'CREDIT_CARD' ? 'tarjeta' : txSource === 'CASH' ? 'efectivo' : 'transferencia'} en ${MONTH_NAMES[selectedMonth]}`}
+                showSourceIcon={txSource === 'CASH_AND_TRANSFER'}
+                emptyMessage={`Sin transacciones de ${txSource === 'CREDIT_CARD' ? 'tarjeta' : 'efectivo o transferencia'} en ${MONTH_NAMES[selectedMonth]}`}
+                onToggleDeferred={txSource === 'CREDIT_CARD' ? handleToggleDeferred : undefined}
               />
-          </div>
+            </TabsContent>
+          </Tabs>
         </TabsContent>
 
         <TabsContent value="items" className="mt-4">

frontend/src/pages/Dashboard.tsx

@@ -1,376 +0,0 @@
-import { useEffect, useState, useMemo } from 'react';
-import { Link } from 'react-router-dom';
-import {
-  ArrowRight,
-  TrendingUp,
-  TrendingDown,
-  RefreshCw,
-  CreditCard,
-  Pencil,
-  Check,
-  X,
-  BellRing,
-  Landmark,
-} from 'lucide-react';
-
-import api, { type Account, type Transaction } from '../api';
-import { useSettings } from '@/hooks/useSettings';
-import { formatAmount, formatDate } from '@/lib/format';
-import DashboardSection from '@/components/DashboardSection';
-import SectionConfigDialog from '@/components/SectionConfigDialog';
-import { Button } from '@/components/ui/button';
-import { Input } from '@/components/ui/input';
-import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
-import { cn } from '@/lib/utils';
-
-// --- Section definitions ---
-
-interface SectionDef {
-  filterFn: (a: Account) => boolean;
-  totalCurrency: string; // empty string = no total
-}
-
-const SECTION_DEFS: Record<string, SectionDef> = {
-  crc_accounts: { filterFn: (a) => a.account_type === 'BANK' && a.currency === 'CRC', totalCurrency: 'CRC' },
-  usd_accounts: { filterFn: (a) => a.account_type === 'BANK' && a.currency === 'USD', totalCurrency: 'USD' },
-  pension:      { filterFn: (a) => a.account_type === 'PENSION', totalCurrency: 'CRC' },
-  savings:      { filterFn: (a) => a.account_type === 'SAVINGS', totalCurrency: 'CRC' },
-  liabilities:  { filterFn: (a) => a.account_type === 'LIABILITY', totalCurrency: '' },
-  crypto:       { filterFn: (a) => a.account_type === 'CRYPTO', totalCurrency: '' },
-};
-
-const BANK_ORDER = ['BAC', 'BCR', 'DAVIVIENDA'];
-
-// --- AccountRow ---
-
-interface AccountRowProps {
-  account: Account;
-  editingId: number | null;
-  editValue: string;
-  setEditValue: (v: string) => void;
-  startEditing: (a: Account) => void;
-  saveBalance: (id: number) => void;
-  cancelEditing: () => void;
-}
-
-function AccountRow({
-  account,
-  editingId,
-  editValue,
-  setEditValue,
-  startEditing,
-  saveBalance,
-  cancelEditing,
-}: AccountRowProps) {
-  const isLiability = account.account_type === 'LIABILITY';
-  const isCrypto = account.account_type === 'CRYPTO';
-  const label = isCrypto ? account.label : (account.bank === 'DAVIVIENDA' ? 'DAV' : account.bank);
-  const isEditing = editingId === account.id;
-
-  return (
-    <div className="flex items-center justify-between px-3 py-2.5 hover:bg-muted/30 transition-colors group">
-      <span className="text-sm font-medium text-muted-foreground">{label}</span>
-
-      {isEditing ? (
-        <div className="flex items-center gap-2">
-          <Input
-            type="number"
-            step="0.01"
-            value={editValue}
-            onChange={(e) => setEditValue(e.target.value)}
-            onKeyDown={(e) => {
-              if (e.key === 'Enter') saveBalance(account.id);
-              if (e.key === 'Escape') cancelEditing();
-            }}
-            autoFocus
-            className="text-sm font-bold font-mono tracking-tight h-auto py-1 w-40"
-          />
-          <Button variant="ghost" size="icon-xs" onClick={() => saveBalance(account.id)} title="Save" aria-label="Save balance">
-            <Check className="w-3.5 h-3.5" />
-          </Button>
-          <Button variant="ghost" size="icon-xs" onClick={cancelEditing} title="Cancel" aria-label="Cancel editing">
-            <X className="w-3.5 h-3.5" />
-          </Button>
-        </div>
-      ) : (
-        <div className="flex items-center gap-1.5">
-          <span className={cn('text-lg font-bold font-mono tracking-tight', isLiability && 'text-destructive')}>
-            {formatAmount(account.balance, account.currency)}
-          </span>
-          <button
-            onClick={() => startEditing(account)}
-            className="opacity-0 group-hover:opacity-100 transition-opacity text-muted-foreground hover:text-foreground cursor-pointer"
-            title="Edit balance"
-            aria-label="Edit balance"
-          >
-            <Pencil className="w-3.5 h-3.5" />
-          </button>
-          {isLiability && account.next_payment != null && (
-            <span className="text-xs font-mono text-destructive/60 ml-2">
-              Next: {formatAmount(account.next_payment, account.currency)}
-            </span>
-          )}
-        </div>
-      )}
-    </div>
-  );
-}
-
-// --- Dashboard ---
-
-export default function Dashboard() {
-  const [accounts, setAccounts] = useState<Account[]>([]);
-  const [recent, setRecent] = useState<Transaction[]>([]);
-  const [loading, setLoading] = useState(true);
-  const [editingId, setEditingId] = useState<number | null>(null);
-  const [editValue, setEditValue] = useState('');
-  const [exchangeRate, setExchangeRate] = useState<{ buy_rate: number; sell_rate: number } | null>(null);
-  const [configSection, setConfigSection] = useState<string | null>(null);
-  const [testingPush, setTestingPush] = useState(false);
-
-  const { settings, patchSection } = useSettings();
-
-  const fetchData = async () => {
-    setLoading(true);
-    try {
-      const [accRes, txRes] = await Promise.all([
-        api.get('/accounts/'),
-        api.get('/transactions/recent?limit=5'),
-      ]);
-      setAccounts(accRes.data);
-      setRecent(txRes.data);
-    } catch (e) {
-      console.error(e);
-    } finally {
-      setLoading(false);
-    }
-    api.get('/exchange-rate/').then((r) => setExchangeRate(r.data)).catch(() => {});
-  };
-
-  useEffect(() => { fetchData(); }, []);
-
-  const startEditing = (account: Account) => {
-    setEditingId(account.id);
-    setEditValue(String(account.balance));
-  };
-  const cancelEditing = () => { setEditingId(null); setEditValue(''); };
-  const saveBalance = async (accountId: number) => {
-    const parsed = parseFloat(editValue);
-    if (isNaN(parsed)) return cancelEditing();
-    try {
-      await api.patch(`/accounts/${accountId}`, { balance: parsed });
-      setEditingId(null);
-      setEditValue('');
-      fetchData();
-    } catch (e) { console.error(e); }
-  };
-
-  const rowProps = { editingId, editValue, setEditValue, startEditing, saveBalance, cancelEditing };
-
-  // Sort sections by order, filter by visible
-  const sortedSections = useMemo(() => {
-    const sections = settings.dashboard.sections;
-    return Object.entries(sections)
-      .filter(([, s]) => s.visible)
-      .sort(([, a], [, b]) => a.order - b.order);
-  }, [settings]);
-
-  // Net worth calculation
-  const netWorthBreakdown = useMemo(() => {
-    if (accounts.length === 0) return null;
-    let assets = 0;
-    let liabilities = 0;
-    for (const a of accounts) {
-      const isLiability = a.account_type === 'LIABILITY';
-      let crcValue = 0;
-      if (a.currency === 'USD') {
-        crcValue = Math.abs(a.balance) * (exchangeRate?.sell_rate ?? 0);
-      } else if (a.currency === 'CRC') {
-        crcValue = Math.abs(a.balance);
-      }
-      if (isLiability) {
-        liabilities += crcValue;
-      } else {
-        assets += crcValue;
-      }
-    }
-    return { assets, liabilities, net: assets - liabilities };
-  }, [accounts, exchangeRate]);
-
-  return (
-    <div className="space-y-6">
-      {/* Header */}
-      <div className="flex items-center justify-between">
-        <div>
-          <h1 className="text-2xl font-bold font-heading">Dashboard</h1>
-          <p className="text-sm text-muted-foreground mt-1">Financial overview</p>
-        </div>
-        <Button variant="ghost" size="icon" onClick={fetchData} title="Refresh" aria-label="Refresh">
-          <RefreshCw className={cn('w-4 h-4', loading && 'animate-spin')} />
-        </Button>
-      </div>
-
-      {/* Net Worth */}
-      {netWorthBreakdown != null && (
-        <Card>
-          <CardContent className="px-4 py-3">
-            <div className="flex items-center justify-between text-sm font-mono text-muted-foreground">
-              <span>Net <span className="text-foreground font-bold">{netWorthBreakdown.net < 0 ? '-' : ''}{formatAmount(netWorthBreakdown.net, 'CRC')}</span></span>
-              <div className="flex gap-4">
-                <span>Assets <span className="text-foreground">{formatAmount(netWorthBreakdown.assets, 'CRC')}</span></span>
-                <span>Liabilities <span className="text-foreground">{formatAmount(netWorthBreakdown.liabilities, 'CRC')}</span></span>
-              </div>
-            </div>
-          </CardContent>
-        </Card>
-      )}
-
-      {/* Account sections */}
-      {sortedSections.map(([sectionId, sectionSettings]) => {
-        const def = SECTION_DEFS[sectionId];
-        if (!def) return null;
-        let accts = accounts.filter(def.filterFn);
-        if (accts.length === 0) return null;
-
-        // Sort bank accounts by bank order
-        if (sectionId === 'crc_accounts' || sectionId === 'usd_accounts') {
-          accts = accts.sort((a, b) => BANK_ORDER.indexOf(a.bank) - BANK_ORDER.indexOf(b.bank));
-        }
-
-        const total = accts.reduce((s, a) => s + a.balance, 0);
-
-        return (
-          <DashboardSection
-            key={sectionId}
-            sectionId={sectionId}
-            settings={sectionSettings}
-            total={def.totalCurrency ? total : undefined}
-            totalCurrency={def.totalCurrency || undefined}
-            onToggleExpanded={(expanded) => patchSection(sectionId, { expanded })}
-            onOpenConfig={() => setConfigSection(sectionId)}
-          >
-            {accts.map((a) => (
-              <AccountRow key={a.id} account={a} {...rowProps} />
-            ))}
-          </DashboardSection>
-        );
-      })}
-
-      {/* Exchange rate */}
-      {exchangeRate && (
-        <Card>
-          <CardContent className="p-4">
-            <span className="text-xs font-medium text-muted-foreground uppercase tracking-wider">USD/CRC Exchange Rate</span>
-            <div className="flex items-baseline gap-3 mt-1">
-              <span className="text-lg font-bold font-mono">Buy: ₡{exchangeRate.buy_rate.toFixed(2)}</span>
-              <span className="text-lg font-bold font-mono text-muted-foreground">Sell: ₡{exchangeRate.sell_rate.toFixed(2)}</span>
-            </div>
-          </CardContent>
-        </Card>
-      )}
-
-      {/* Recent transactions */}
-      <Card>
-        <CardHeader className="border-b flex-row items-center justify-between">
-          <div className="flex items-center gap-2">
-            <CreditCard className="w-4 h-4 text-muted-foreground" />
-            <CardTitle className="text-sm">Recent Charges</CardTitle>
-          </div>
-          <Link
-            to="/transactions"
-            className="flex items-center gap-1 text-xs font-medium text-primary hover:text-primary/80 transition-colors"
-          >
-            View all
-            <ArrowRight className="w-3 h-3" />
-          </Link>
-        </CardHeader>
-        <CardContent className="p-0">
-          {recent.length === 0 && !loading ? (
-            <div className="px-5 py-12 text-center text-muted-foreground text-sm">No transactions yet. Add your first one!</div>
-          ) : (
-            <div className="divide-y divide-border">
-              {recent.map((tx) => (
-                <div key={tx.id} className="flex items-center justify-between px-5 py-3.5 hover:bg-muted/50 transition-colors">
-                  <div className="flex items-center gap-3 min-w-0">
-                    <div className={cn(
-                      'w-8 h-8 rounded-lg flex items-center justify-center shrink-0',
-                      tx.transaction_type === 'COMPRA' ? 'bg-destructive/10 text-destructive' : 'bg-primary/10 text-primary'
-                    )}>
-                      {tx.transaction_type === 'DEPOSITO' ? <Landmark className="w-4 h-4" /> : tx.transaction_type === 'DEVOLUCION' ? <TrendingUp className="w-4 h-4" /> : <TrendingDown className="w-4 h-4" />}
-                    </div>
-                    <div className="min-w-0">
-                      <p className="text-sm font-medium truncate">{tx.merchant}</p>
-                      <p className="text-xs text-muted-foreground">
-                        {formatDate(tx.date)}
-                        {tx.category && <span className="ml-2 text-muted-foreground/60">{tx.category.name}</span>}
-                      </p>
-                    </div>
-                  </div>
-                  <span className={cn(
-                    'font-mono text-sm font-medium shrink-0 ml-4',
-                    tx.transaction_type !== 'COMPRA' && 'text-primary'
-                  )}>
-                    {tx.transaction_type === 'COMPRA' ? '-' : '+'}{formatAmount(tx.amount, tx.currency)}
-                  </span>
-                </div>
-              ))}
-            </div>
-          )}
-        </CardContent>
-      </Card>
-
-      {/* Test push notification */}
-      <Card className="border-dashed border-yellow-500/50">
-        <CardContent className="p-4 flex items-center justify-between">
-          <div>
-            <p className="text-sm font-medium">Test Push Notification</p>
-            <p className="text-xs text-muted-foreground">Creates a mock transaction to trigger a push notification</p>
-          </div>
-          <Button
-            variant="outline"
-            size="sm"
-            disabled={testingPush}
-            onClick={async () => {
-              setTestingPush(true);
-              try {
-                const merchants = ['Walmart', 'AutoMercado', 'Uber Eats', 'Amazon', 'PriceSmart'];
-                const amounts = [4500, 12350, 8900, 25000, 67800];
-                const i = Math.floor(Math.random() * merchants.length);
-                await api.post('/transactions/', {
-                  merchant: merchants[i],
-                  amount: amounts[i],
-                  currency: 'CRC',
-                  date: new Date().toISOString(),
-                  bank: 'BAC',
-                  source: 'CREDIT_CARD',
-                  transaction_type: 'COMPRA',
-                  reference: `test-push-${Date.now()}`,
-                  notes: '[TEST] Push notification test — safe to delete',
-                });
-                fetchData();
-              } catch (e) {
-                console.error('Test push failed:', e);
-              } finally {
-                setTestingPush(false);
-              }
-            }}
-          >
-            <BellRing className="w-4 h-4 mr-2" />
-            {testingPush ? 'Sending...' : 'Send test'}
-          </Button>
-        </CardContent>
-      </Card>
-
-      {/* Section config dialog */}
-      {configSection && settings.dashboard.sections[configSection] && (
-        <SectionConfigDialog
-          sectionId={configSection}
-          settings={settings.dashboard.sections[configSection]}
-          open={!!configSection}
-          onOpenChange={(open) => { if (!open) setConfigSection(null); }}
-          onSave={(id, partial) => patchSection(id, partial)}
-        />
-      )}
-    </div>
-  );
-}

frontend/src/pages/Login.tsx

@@ -1,34 +1,31 @@
-import { useState } from 'react';
-import { useNavigate } from 'react-router-dom';
-import { Wallet, ArrowRight, AlertCircle } from 'lucide-react';
+import { useState, type FormEvent } from "react";
+import { useNavigate } from "react-router-dom";
+import { Wallet, ArrowRight, AlertCircle } from "lucide-react";
+import { login } from "@/lib/api";
+import { useAuth } from "@/AuthContext";
+import { Button } from "@/components/ui/button";
+import { Input } from "@/components/ui/input";
+import { Label } from "@/components/ui/label";
+import { Card, CardContent, CardHeader, CardTitle } from "@/components/ui/card";
 
-import { login } from '../api';
-import { useAuth } from '../AuthContext';
-import { subscribeToPush } from '../pushNotifications';
-import { Button } from '@/components/ui/button';
-import { Input } from '@/components/ui/input';
-import { Label } from '@/components/ui/label';
-import { Card, CardContent, CardHeader, CardTitle } from '@/components/ui/card';
-
-export default function Login() {
-  const [username, setUsername] = useState('');
-  const [password, setPassword] = useState('');
-  const [error, setError] = useState('');
+export default function LoginPage() {
+  const [username, setUsername] = useState("");
+  const [password, setPassword] = useState("");
+  const [error, setError] = useState("");
   const [loading, setLoading] = useState(false);
   const navigate = useNavigate();
   const { setAuthenticated } = useAuth();
 
-  const handleSubmit = async (e: React.FormEvent) => {
+  const handleSubmit = async (e: FormEvent) => {
     e.preventDefault();
     setLoading(true);
-    setError('');
+    setError("");
     try {
       await login(username, password);
       setAuthenticated(true);
-      subscribeToPush();
-      navigate('/');
+      navigate("/asistente", { replace: true });
     } catch {
-      setError('Invalid credentials');
+      setError("Invalid credentials");
     } finally {
       setLoading(false);
     }
@@ -41,7 +38,7 @@ export default function Login() {
           <div className="w-10 h-10 rounded-lg bg-primary flex items-center justify-center">
             <Wallet className="w-6 h-6 text-primary-foreground" strokeWidth={2.5} />
           </div>
-          <span className="text-2xl font-bold tracking-tight font-heading">
+          <span className="text-2xl font-bold tracking-tight" style={{ fontFamily: "var(--font-heading)" }}>
             Wealthy<span className="text-primary">Smart</span>
           </span>
         </div>
@@ -84,7 +81,7 @@ export default function Login() {
               )}
 
               <Button type="submit" disabled={loading} className="w-full h-10">
-                {loading ? 'Signing in...' : 'Sign in'}
+                {loading ? "Signing in..." : "Sign in"}
                 {!loading && <ArrowRight className="w-4 h-4" />}
               </Button>
             </form>

frontend/src/pages/Pensions.tsx

@@ -31,13 +31,16 @@ import { Separator } from '@/components/ui/separator';
 import {
   uploadPensionPDFs,
   getPensionFundSummary,
+  getPensionSnapshots,
   type PensionSnapshot,
   type PensionUploadResult,
-} from '@/api';
+} from '@/lib/api';
+import PensionManualEntryModal from '@/components/PensionManualEntryModal';
+import { ClipboardPaste } from 'lucide-react';
 
 // ─── Types ────────────────────────────────────────────────────────────────────
 
-type FundKey = 'FCL' | 'ROP' | 'MPAT' | 'MEMP' | 'VOL';
+type FundKey = 'FCL' | 'ROP' | 'VOL';
 
 interface FundDef {
   key: FundKey;
@@ -72,7 +75,7 @@ interface TooltipEntry {
 
 const CURRENT_AGE = 30;
 
-const FUND_KEYS: FundKey[] = ['FCL', 'ROP', 'MPAT', 'MEMP', 'VOL'];
+const FUND_KEYS: FundKey[] = ['FCL', 'ROP', 'VOL'];
 
 const FUNDS_DEFAULT: Record<FundKey, FundDef> = {
   FCL: {
@@ -99,30 +102,6 @@ const FUNDS_DEFAULT: Record<FundKey, FundDef> = {
     withdrawalRule: 'Retirable a los 65 años',
     defaultTargetAge: 65,
   },
-  MPAT: {
-    key: 'MPAT',
-    name: 'MPAT',
-    fullName: 'Ministerio Patronal',
-    color: '#f59e0b',
-    startBalance: 300_000,
-    monthlyContribution: 200_000,
-    annualRate: 3.0,
-    isDividend: true,
-    withdrawalRule: 'Dividendos anuales en marzo',
-    defaultTargetAge: 65,
-  },
-  MEMP: {
-    key: 'MEMP',
-    name: 'MEMP',
-    fullName: 'Fondo del Empleado',
-    color: '#8b5cf6',
-    startBalance: 300_000,
-    monthlyContribution: 200_000,
-    annualRate: 3.0,
-    isDividend: true,
-    withdrawalRule: '₡100K deducción dos veces al mes · Dividendos en marzo',
-    defaultTargetAge: 65,
-  },
   VOL: {
     key: 'VOL',
     name: 'VOL',
@@ -137,10 +116,9 @@ const FUNDS_DEFAULT: Record<FundKey, FundDef> = {
   },
 };
 
-const MONTHS = [
-  'Abr 25', 'May 25', 'Jun 25', 'Jul 25',
-  'Ago 25', 'Sep 25', 'Oct 25', 'Nov 25',
-  'Dic 25', 'Ene 26', 'Feb 26', 'Mar 26',
+const MONTH_NAMES_ES = [
+  'Ene', 'Feb', 'Mar', 'Abr', 'May', 'Jun',
+  'Jul', 'Ago', 'Sep', 'Oct', 'Nov', 'Dic',
 ];
 
 // ─── Utilities ────────────────────────────────────────────────────────────────
@@ -152,46 +130,37 @@ const formatCRC = (amount: number): string =>
     maximumFractionDigits: 0,
   }).format(amount);
 
-function generateChartData(funds: Record<FundKey, FundDef>): ChartDataPoint[] {
-  const history: ChartDataPoint[] = new Array(12);
+function buildChartFromSnapshots(snapshots: PensionSnapshot[]): ChartDataPoint[] {
+  // Group by period_end month key (YYYY-MM)
+  const byMonth = new Map<string, Record<string, number>>();
 
-  let bal = {
-    FCL: funds.FCL.startBalance,
-    ROP: funds.ROP.startBalance,
-    MPAT: funds.MPAT.startBalance,
-    MEMP: funds.MEMP.startBalance,
-    VOL: funds.VOL.startBalance,
-  };
-
-  history[11] = {
-    month: MONTHS[11],
-    FCL: Math.round(bal.FCL),
-    ROP: Math.round(bal.ROP),
-    MPAT: Math.round(bal.MPAT),
-    MEMP: Math.round(bal.MEMP),
-    VOL: Math.round(bal.VOL),
-  };
-
-  for (let i = 10; i >= 0; i--) {
-    const undoDividend = i === 10;
-    bal = {
-      FCL:  Math.max(0, (bal.FCL  - 150_000) / (1 + 0.075 / 12)),
-      ROP:  Math.max(0, (bal.ROP  - 120_000) / (1 + 0.060 / 12)),
-      MPAT: Math.max(0, undoDividend ? bal.MPAT / 1.03 - 200_000 : bal.MPAT - 200_000),
-      MEMP: Math.max(0, undoDividend ? bal.MEMP / 1.03 - 200_000 : bal.MEMP - 200_000),
-      VOL:  Math.max(0, (bal.VOL  - 400_000) / (1 + 0.08  / 12)),
-    };
-    history[i] = {
-      month: MONTHS[i],
-      FCL:  Math.round(bal.FCL),
-      ROP:  Math.round(bal.ROP),
-      MPAT: Math.round(bal.MPAT),
-      MEMP: Math.round(bal.MEMP),
-      VOL:  Math.round(bal.VOL),
-    };
+  for (const snap of snapshots) {
+    const d = new Date(snap.period_end);
+    const key = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}`;
+    if (!byMonth.has(key)) byMonth.set(key, {});
+    const entry = byMonth.get(key)!;
+    const fund = snap.fund as FundKey;
+    // Keep the latest saldo_final per fund per month
+    entry[fund] = Math.round(snap.saldo_final);
   }
 
-  return history;
+  // Sort chronologically and take last 12
+  const sortedKeys = Array.from(byMonth.keys()).sort();
+  const last12 = sortedKeys.slice(-12);
+
+  return last12.map((key) => {
+    const [yearStr, monthStr] = key.split('-');
+    const monthIdx = parseInt(monthStr, 10) - 1;
+    const yearShort = yearStr.slice(2);
+    const label = `${MONTH_NAMES_ES[monthIdx]} ${yearShort}`;
+    const values = byMonth.get(key)!;
+    return {
+      month: label,
+      FCL: values.FCL ?? 0,
+      ROP: values.ROP ?? 0,
+      VOL: values.VOL ?? 0,
+    } as ChartDataPoint;
+  });
 }
 
 function calcProjection(
@@ -260,7 +229,7 @@ function ChartTooltipContent({
             />
             <span className="text-muted-foreground">{entry.name}</span>
           </span>
-          <span className="font-mono font-medium text-foreground">{formatCRC(entry.value)}</span>
+          <span data-sensitive className="font-mono font-medium text-foreground">{formatCRC(entry.value)}</span>
         </div>
       ))}
     </div>
@@ -271,32 +240,36 @@ function ChartTooltipContent({
 
 export default function Pensions() {
   const [fundSummary, setFundSummary] = useState<PensionSnapshot[]>([]);
+  const [allSnapshots, setAllSnapshots] = useState<PensionSnapshot[]>([]);
   const [visibleFunds, setVisibleFunds] = useState<Set<FundKey>>(new Set(FUND_KEYS));
   const [projections, setProjections] = useState<Record<FundKey, ProjectionState>>({
     FCL: { contribution: 150_000, rate: 7.5, targetAge: 35 },
     ROP: { contribution: 120_000, rate: 6.0, targetAge: 65 },
-    MPAT: { contribution: 200_000, rate: 3.0, targetAge: 65 },
-    MEMP: { contribution: 200_000, rate: 3.0, targetAge: 65 },
     VOL: { contribution: 400_000, rate: 8.0, targetAge: 57 },
   });
   const [uploadedFiles, setUploadedFiles] = useState<File[]>([]);
   const [isDragging, setIsDragging] = useState(false);
   const [isUploading, setIsUploading] = useState(false);
   const [uploadResult, setUploadResult] = useState<PensionUploadResult | null>(null);
+  const [showManualEntry, setShowManualEntry] = useState(false);
   const fileInputRef = useRef<HTMLInputElement>(null);
 
-  const loadFundSummary = useCallback(async () => {
+  const loadData = useCallback(async () => {
     try {
-      const { data } = await getPensionFundSummary();
-      setFundSummary(data);
+      const [summaryRes, snapshotsRes] = await Promise.all([
+        getPensionFundSummary(),
+        getPensionSnapshots(),
+      ]);
+      setFundSummary(summaryRes.data);
+      setAllSnapshots(snapshotsRes.data);
     } catch {
       // API not available or no data yet — use defaults
     }
   }, []);
 
   useEffect(() => {
-    loadFundSummary();
-  }, [loadFundSummary]);
+    loadData();
+  }, [loadData]);
 
   const FUNDS = useMemo(() => applySnapshots(fundSummary), [fundSummary]);
 
@@ -309,7 +282,12 @@ export default function Pensions() {
     return map;
   }, [fundSummary]);
 
-  const chartData = useMemo(() => generateChartData(FUNDS), [FUNDS]);
+  const chartData = useMemo(() => buildChartFromSnapshots(allSnapshots), [allSnapshots]);
+
+  const chartDateRange = useMemo(() => {
+    if (chartData.length < 2) return '';
+    return `${chartData[0].month} — ${chartData[chartData.length - 1].month}`;
+  }, [chartData]);
 
   const roiEarned = useMemo(() => {
     return FUND_KEYS.reduce<Record<FundKey, number>>((acc, key) => {
@@ -318,15 +296,18 @@ export default function Pensions() {
         // Use real rendimientos from the API
         acc[key] = Math.round(snap.rendimientos);
       } else {
-        // Fallback: approximate from hardcoded data
+        // Fallback: approximate from chart data
         const fund = FUNDS[key];
-        if (fund.isDividend) {
+        const len = chartData.length;
+        if (len >= 2 && fund.isDividend) {
           acc[key] = Math.max(0, Math.round(
-            chartData[11][key] - chartData[10][key] - fund.monthlyContribution,
+            chartData[len - 1][key] - chartData[len - 2][key] - fund.monthlyContribution,
           ));
-        } else {
+        } else if (len > 0) {
           const activeMonths = chartData.filter((d) => d[key] > 0).length;
           acc[key] = Math.round(fund.startBalance * (fund.annualRate / 100) * (activeMonths / 12));
+        } else {
+          acc[key] = 0;
         }
       }
       return acc;
@@ -369,10 +350,11 @@ export default function Pensions() {
       setUploadResult(data);
       setUploadedFiles([]);
       // Refresh fund summary with new data
-      await loadFundSummary();
+      await loadData();
     } catch (err) {
       setUploadResult({
         imported: 0,
+        updated: 0,
         duplicates: 0,
         errors: [err instanceof Error ? err.message : 'Error al subir archivos'],
         snapshots: [],
@@ -458,7 +440,7 @@ export default function Pensions() {
                     <p className="text-xs text-muted-foreground uppercase tracking-wider font-medium">
                       Balance actual
                     </p>
-                    <p className="text-xl font-bold font-mono mt-0.5 leading-tight">
+                    <p data-sensitive className="text-xl font-bold font-mono mt-0.5 leading-tight">
                       {formatCRC(fund.startBalance)}
                     </p>
                     {snap && (
@@ -474,19 +456,19 @@ export default function Pensions() {
                     <div className="space-y-1.5 text-xs">
                       <div className="flex justify-between">
                         <span className="text-muted-foreground">Aportes</span>
-                        <span className="font-mono font-medium">
+                        <span data-sensitive className="font-mono font-medium">
                           {formatCRC(snap.aportes)}
                         </span>
                       </div>
                       <div className="flex justify-between">
                         <span className="text-muted-foreground">Rendimientos</span>
-                        <span className="font-mono font-medium text-emerald-500">
+                        <span data-sensitive className="font-mono font-medium text-emerald-500">
                           {formatCRC(snap.rendimientos)}
                         </span>
                       </div>
                       <div className="flex justify-between">
                         <span className="text-muted-foreground">Comisión</span>
-                        <span className="font-mono font-medium text-destructive">
+                        <span data-sensitive className="font-mono font-medium text-destructive">
                           {formatCRC(snap.comision)}
                         </span>
                       </div>
@@ -495,7 +477,7 @@ export default function Pensions() {
                     <div className="space-y-1.5 text-xs">
                       <div className="flex justify-between">
                         <span className="text-muted-foreground">Aporte mensual</span>
-                        <span className="font-mono font-medium">
+                        <span data-sensitive className="font-mono font-medium">
                           {formatCRC(fund.monthlyContribution)}
                         </span>
                       </div>
@@ -521,7 +503,7 @@ export default function Pensions() {
       <section className="space-y-3">
         <h2 className="text-base font-semibold font-heading flex items-center gap-2 text-muted-foreground uppercase tracking-wider">
           <TrendingUp className="w-4 h-4" />
-          Evolución del Balance (Abr 2025 — Mar 2026)
+          Evolución del Balance{chartDateRange && ` (${chartDateRange})`}
         </h2>
         <Card>
           <CardContent className="p-4 space-y-4">
@@ -624,8 +606,8 @@ export default function Pensions() {
                       {fund.isDividend ? `Dividendos ${fund.annualRate}%` : `${fund.annualRate}% anual`}
                     </p>
                   )}
-                  <p className="text-lg font-bold font-mono" style={{ color: fund.color }}>
-                    +{formatCRC(earned)}
+                  <p data-sensitive className="text-lg font-bold font-mono" style={{ color: fund.color }}>
+                    {earned >= 0 ? '+' : ''}{formatCRC(earned)}
                   </p>
                   <p className="text-xs text-muted-foreground">en rendimientos</p>
                 </CardContent>
@@ -704,6 +686,7 @@ export default function Pensions() {
                       Valor en {years} {years === 1 ? 'año' : 'años'}
                     </p>
                     <p
+                      data-sensitive
                       className="text-lg font-bold font-mono leading-tight"
                       style={{ color: fund.color }}
                     >
@@ -717,12 +700,31 @@ export default function Pensions() {
         </div>
       </section>
 
+      {/* ── Manual Entry Modal ──────────────────────────────────────────── */}
+      {showManualEntry && (
+        <PensionManualEntryModal
+          onClose={() => setShowManualEntry(false)}
+          onImported={loadData}
+        />
+      )}
+
       {/* ── Section 5: PDF Upload ────────────────────────────────────────── */}
       <section className="space-y-3">
+        <div className="flex items-center justify-between">
           <h2 className="text-base font-semibold font-heading flex items-center gap-2 text-muted-foreground uppercase tracking-wider">
             <FileText className="w-4 h-4" />
             Estados de Cuenta
           </h2>
+          <Button
+            variant="outline"
+            size="sm"
+            onClick={() => setShowManualEntry(true)}
+            className="gap-1.5"
+          >
+            <ClipboardPaste className="w-3.5 h-3.5" />
+            Ingresar manualmente
+          </Button>
+        </div>
         <Card>
           <CardContent className="p-6 space-y-4">
             {/* Drop zone */}
@@ -825,15 +827,16 @@ export default function Pensions() {
                   : 'border-emerald-500/50 bg-emerald-500/5',
               ].join(' ')}>
                 <div className="flex items-center gap-2">
-                  {uploadResult.imported > 0 ? (
+                  {(uploadResult.imported > 0 || uploadResult.updated > 0) ? (
                     <CheckCircle2 className="w-4 h-4 text-emerald-500" />
                   ) : (
                     <AlertTriangle className="w-4 h-4 text-amber-500" />
                   )}
                   <span className="text-sm font-medium">
-                    {uploadResult.imported > 0
-                      ? `${uploadResult.imported} ${uploadResult.imported === 1 ? 'extracto importado' : 'extractos importados'}`
-                      : 'Ningún extracto nuevo importado'}
+                    {uploadResult.imported > 0 && `${uploadResult.imported} ${uploadResult.imported === 1 ? 'extracto importado' : 'extractos importados'}`}
+                    {uploadResult.imported > 0 && uploadResult.updated > 0 && ' · '}
+                    {uploadResult.updated > 0 && `${uploadResult.updated} actualizado(s)`}
+                    {uploadResult.imported === 0 && uploadResult.updated === 0 && 'Ningún extracto nuevo importado'}
                   </span>
                 </div>
                 {uploadResult.duplicates > 0 && (
@@ -853,7 +856,7 @@ export default function Pensions() {
                           {' — '}
                           {new Date(snap.period_end).toLocaleDateString('es-CR', { month: 'short', year: '2-digit' })}
                         </span>
-                        <span className="font-mono font-medium">{formatCRC(snap.saldo_final)}</span>
+                        <span data-sensitive className="font-mono font-medium">{formatCRC(snap.saldo_final)}</span>
                       </div>
                     ))}
                   </div>

frontend/src/pages/Proyecciones.tsx

@@ -0,0 +1,112 @@
+import { ChevronLeft, ChevronRight, Loader2, TrendingUp } from 'lucide-react';
+import { useNavigate } from 'react-router-dom';
+
+import { useBudget } from '@/hooks/useBudget';
+import { formatAmount } from '@/lib/format';
+import { cn } from '@/lib/utils';
+import { Button } from '@/components/ui/button';
+import { Card, CardContent } from '@/components/ui/card';
+import YearlyOverview from '@/components/budget/YearlyOverview';
+
+const MIN_YEAR = 2026;
+const MAX_YEAR = 2030;
+
+export default function Proyecciones() {
+  const currentYear = Math.max(MIN_YEAR, new Date().getFullYear());
+  const {
+    year,
+    setYear,
+    setSelectedMonth,
+    projection,
+    loading,
+    saveBalanceOverride,
+    clearBalanceOverride,
+  } = useBudget(currentYear);
+
+  const navigate = useNavigate();
+
+  return (
+    <div className="space-y-6">
+      {/* Header */}
+      <div className="flex items-center justify-between">
+        <div className="flex items-center gap-3">
+          <TrendingUp className="w-6 h-6 text-primary" />
+          <h1 className="text-2xl font-bold tracking-tight">Proyecciones</h1>
+        </div>
+        <div className="flex items-center gap-1">
+          <Button variant="outline" size="icon" disabled={year <= MIN_YEAR} onClick={() => setYear(year - 1)}>
+            <ChevronLeft className="w-4 h-4" />
+          </Button>
+          <span className="w-16 text-center font-semibold tabular-nums">{year}</span>
+          <Button variant="outline" size="icon" disabled={year >= MAX_YEAR} onClick={() => setYear(year + 1)}>
+            <ChevronRight className="w-4 h-4" />
+          </Button>
+        </div>
+      </div>
+
+      {/* Annual summary cards */}
+      {projection && (
+        <div className="grid gap-3 grid-cols-1 md:grid-cols-3">
+          <Card>
+            <CardContent className="pt-4 pb-3 px-4">
+              <p className="text-xs text-muted-foreground">Ingresos Anuales</p>
+              <p data-sensitive className="text-lg font-bold font-mono text-primary">
+                {formatAmount(projection.annual_income, 'CRC')}
+              </p>
+            </CardContent>
+          </Card>
+          <Card>
+            <CardContent className="pt-4 pb-3 px-4">
+              <p className="text-xs text-muted-foreground">Egresos Anuales</p>
+              <p data-sensitive className="text-lg font-bold font-mono">
+                {formatAmount(projection.annual_expenses, 'CRC')}
+              </p>
+            </CardContent>
+          </Card>
+          <Card>
+            <CardContent className="pt-4 pb-3 px-4">
+              <p className="text-xs text-muted-foreground">Balance Neto Anual</p>
+              <p
+                data-sensitive
+                className={cn(
+                  'text-lg font-bold font-mono',
+                  projection.annual_net >= 0 ? 'text-primary' : 'text-destructive',
+                )}
+              >
+                {projection.annual_net >= 0 ? '+' : ''}
+                {formatAmount(projection.annual_net, 'CRC')}
+              </p>
+            </CardContent>
+          </Card>
+        </div>
+      )}
+
+      {/* Yearly table */}
+      {loading ? (
+        <div className="flex items-center justify-center py-12">
+          <Loader2 className="w-6 h-6 animate-spin text-muted-foreground" />
+        </div>
+      ) : projection ? (
+        <Card>
+          <CardContent className="p-0">
+            <YearlyOverview
+              months={projection.months}
+              selectedMonth={0}
+              year={year}
+              onSelectMonth={(m) => {
+                setSelectedMonth(m);
+                navigate('/budget');
+              }}
+              onSaveOverride={async (month, value) => {
+                await saveBalanceOverride(year, month, value);
+              }}
+              onClearOverride={async (month) => {
+                await clearBalanceOverride(year, month);
+              }}
+            />
+          </CardContent>
+        </Card>
+      ) : null}
+    </div>
+  );
+}

frontend/src/pages/Salarios.tsx

@@ -2,7 +2,7 @@ import { useEffect, useMemo, useState } from 'react';
 import { type ColumnDef } from '@tanstack/react-table';
 import { Landmark, RefreshCw, Hash, CalendarDays, Banknote } from 'lucide-react';
 
-import { type Transaction, type SalariosSummary, getSalarios, getSalariosSummary } from '../api';
+import { type Transaction, type SalariosSummary, getSalarios, getSalariosSummary } from '@/lib/api';
 import { formatAmount, formatDate } from '@/lib/format';
 import { DataTable } from '@/components/ui/data-table';
 import { DataTableColumnHeader } from '@/components/ui/data-table-column-header';
@@ -64,7 +64,7 @@ export default function Salarios() {
         accessorKey: 'amount',
         header: ({ column }) => <DataTableColumnHeader column={column} title="Monto" />,
         cell: ({ row }) => (
-          <span className="font-mono font-bold text-primary">
+          <span data-sensitive className="font-mono font-bold text-primary">
             +{formatAmount(row.original.amount, row.original.currency)}
           </span>
         ),
@@ -126,7 +126,7 @@ export default function Salarios() {
                 <Banknote className="w-4 h-4" />
                 <span className="text-xs font-medium uppercase tracking-wider">Total acumulado</span>
               </div>
-              <span className="text-2xl font-bold font-mono text-primary">
+              <span data-sensitive className="text-2xl font-bold font-mono text-primary">
                 {formatAmount(summary.total_amount, 'CRC')}
               </span>
             </CardContent>

frontend/src/pages/ServiciosMunicipales.tsx

@@ -0,0 +1,807 @@
+import { useState, useEffect, useCallback, useRef, useMemo } from 'react';
+import {
+  BarChart,
+  Bar,
+  LineChart,
+  Line,
+  XAxis,
+  YAxis,
+  CartesianGrid,
+  Tooltip,
+  Legend,
+  ResponsiveContainer,
+} from 'recharts';
+import {
+  Droplets,
+  Upload,
+  X,
+  FileText,
+  Loader2,
+  CheckCircle2,
+  AlertTriangle,
+  Receipt,
+  TrendingDown,
+  TrendingUp,
+  CalendarDays,
+} from 'lucide-react';
+import { Card, CardContent } from '@/components/ui/card';
+import { Button } from '@/components/ui/button';
+import { Badge } from '@/components/ui/badge';
+import { Separator } from '@/components/ui/separator';
+import {
+  Accordion,
+  AccordionContent,
+  AccordionItem,
+  AccordionTrigger,
+} from '@/components/ui/accordion';
+import {
+  uploadMunicipalReceipt,
+  getMunicipalReceipts,
+  getWaterConsumption,
+  type MunicipalReceipt,
+  type MunicipalReceiptUploadResult,
+  type WaterMeterReading,
+} from '@/lib/api';
+
+// ─── Constants ───────────────────────────────────────────────────────────────
+
+const METER_COLORS: Record<string, string> = {
+  '7335': '#3b82f6',
+  '7345': '#10b981',
+  '9345': '#f59e0b',
+};
+
+const MONTH_NAMES_ES = [
+  'Ene', 'Feb', 'Mar', 'Abr', 'May', 'Jun',
+  'Jul', 'Ago', 'Sep', 'Oct', 'Nov', 'Dic',
+];
+
+const DEFAULT_METER_COLOR = '#8b5cf6';
+
+// ─── Utilities ───────────────────────────────────────────────────────────────
+
+const formatCRC = (amount: number): string =>
+  `₡${amount.toLocaleString('es-CR', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
+
+function periodLabel(period: string): string {
+  const [yearStr, monthStr] = period.split('-');
+  const monthIdx = parseInt(monthStr, 10) - 1;
+  return `${MONTH_NAMES_ES[monthIdx]} ${yearStr.slice(2)}`;
+}
+
+function meterColor(meterId: string): string {
+  return METER_COLORS[meterId] ?? DEFAULT_METER_COLOR;
+}
+
+// ─── Chart Data ──────────────────────────────────────────────────────────────
+
+interface ChartPoint {
+  period: string;
+  label: string;
+  [meterId: string]: number | string;
+}
+
+function buildChartData(readings: WaterMeterReading[]): ChartPoint[] {
+  const byPeriod = new Map<string, Record<string, number>>();
+
+  for (const r of readings) {
+    if (!byPeriod.has(r.period)) byPeriod.set(r.period, {});
+    byPeriod.get(r.period)![r.meter_id] = r.consumption_m3;
+  }
+
+  const sorted = Array.from(byPeriod.keys()).sort();
+  return sorted.map((period) => ({
+    period,
+    label: periodLabel(period),
+    ...byPeriod.get(period)!,
+  }));
+}
+
+function getMeterIds(readings: WaterMeterReading[]): string[] {
+  return [...new Set(readings.map((r) => r.meter_id))].sort();
+}
+
+// ─── Charge Trend Data ───────────────────────────────────────────────────────
+
+const CHARGE_COLORS = [
+  '#ef4444', '#f59e0b', '#10b981', '#3b82f6', '#8b5cf6', '#ec4899', '#06b6d4', '#84cc16',
+];
+
+interface ChargeTrendPoint {
+  period: string;
+  label: string;
+  [chargeDetail: string]: number | string;
+}
+
+function buildChargeTrendData(receipts: MunicipalReceipt[]): ChargeTrendPoint[] {
+  const sorted = [...receipts].sort((a, b) => a.period.localeCompare(b.period));
+  return sorted.map((r) => {
+    const point: ChargeTrendPoint = { period: r.period, label: periodLabel(r.period) };
+    for (const charge of r.raw_charges) {
+      point[charge.detail] = charge.amount;
+    }
+    return point;
+  });
+}
+
+function getChargeNames(receipts: MunicipalReceipt[]): string[] {
+  const names = new Set<string>();
+  for (const r of receipts) {
+    for (const c of r.raw_charges) {
+      names.add(c.detail);
+    }
+  }
+  return [...names];
+}
+
+// ─── Chart Tooltip ───────────────────────────────────────────────────────────
+
+interface TooltipEntry {
+  name: string;
+  value: number;
+  color: string;
+}
+
+function ChartTooltipContent({
+  active,
+  payload,
+  label,
+}: {
+  active?: boolean;
+  payload?: TooltipEntry[];
+  label?: string;
+}) {
+  if (!active || !payload?.length) return null;
+  const total = payload.reduce((sum, e) => sum + e.value, 0);
+  return (
+    <div className="bg-popover border border-border rounded-lg p-3 shadow-lg text-sm min-w-[180px]">
+      <p className="font-semibold mb-2 text-foreground">{label}</p>
+      {payload.map((entry) => (
+        <div key={entry.name} className="flex items-center justify-between gap-4 py-0.5">
+          <span className="flex items-center gap-1.5">
+            <span
+              className="w-2.5 h-2.5 rounded-full flex-shrink-0"
+              style={{ background: entry.color }}
+            />
+            <span className="text-muted-foreground">Medidor {entry.name}</span>
+          </span>
+          <span className="font-mono font-medium text-foreground">{entry.value} m³</span>
+        </div>
+      ))}
+      <Separator className="my-1.5" />
+      <div className="flex justify-between text-xs font-medium">
+        <span className="text-muted-foreground">Total</span>
+        <span className="font-mono">{total} m³</span>
+      </div>
+    </div>
+  );
+}
+
+// ─── Main Component ──────────────────────────────────────────────────────────
+
+export default function ServiciosMunicipales() {
+  const [receipts, setReceipts] = useState<MunicipalReceipt[]>([]);
+  const [waterReadings, setWaterReadings] = useState<WaterMeterReading[]>([]);
+  const [loading, setLoading] = useState(true);
+
+  // Chart visibility state
+  const [hiddenMeters, setHiddenMeters] = useState<Set<string>>(new Set());
+  const [hiddenCharges, setHiddenCharges] = useState<Set<string>>(new Set());
+
+  // Upload state
+  const [uploadedFiles, setUploadedFiles] = useState<File[]>([]);
+  const [isDragging, setIsDragging] = useState(false);
+  const [isUploading, setIsUploading] = useState(false);
+  const [uploadResults, setUploadResults] = useState<MunicipalReceiptUploadResult[]>([]);
+  const fileInputRef = useRef<HTMLInputElement>(null);
+
+  const loadData = useCallback(async () => {
+    setLoading(true);
+    try {
+      const [receiptsRes, waterRes] = await Promise.all([
+        getMunicipalReceipts(),
+        getWaterConsumption(24),
+      ]);
+      setReceipts(receiptsRes.data);
+      setWaterReadings(waterRes.data);
+    } catch {
+      // API not available yet
+    } finally {
+      setLoading(false);
+    }
+  }, []);
+
+  useEffect(() => {
+    loadData();
+  }, [loadData]);
+
+  // Derived data
+  const chartData = useMemo(() => buildChartData(waterReadings), [waterReadings]);
+  const meterIds = useMemo(() => getMeterIds(waterReadings), [waterReadings]);
+  const chargeTrendData = useMemo(() => buildChargeTrendData(receipts), [receipts]);
+  const chargeNames = useMemo(() => getChargeNames(receipts), [receipts]);
+
+  const latestReceipt = receipts[0] ?? null;
+
+  const avgMonthly = useMemo(() => {
+    if (receipts.length === 0) return 0;
+    const sum = receipts.reduce((s, r) => s + r.total, 0);
+    return sum / receipts.length;
+  }, [receipts]);
+
+  const currentConsumption = useMemo(() => {
+    if (chartData.length === 0) return { total: 0, prev: 0 };
+    const latest = chartData[chartData.length - 1];
+    const prev = chartData.length >= 2 ? chartData[chartData.length - 2] : null;
+    const sumValues = (point: ChartPoint) =>
+      meterIds.reduce((s, id) => s + ((point[id] as number) || 0), 0);
+    return {
+      total: sumValues(latest),
+      prev: prev ? sumValues(prev) : 0,
+    };
+  }, [chartData, meterIds]);
+
+  const consumptionDelta = currentConsumption.prev > 0
+    ? currentConsumption.total - currentConsumption.prev
+    : 0;
+
+  // Upload handlers
+  const handleFiles = useCallback((files: FileList | null) => {
+    if (!files) return;
+    const pdfs = Array.from(files).filter((f) => f.type === 'application/pdf');
+    if (pdfs.length > 0) {
+      setUploadedFiles((prev) => [...prev, ...pdfs]);
+      setUploadResults([]);
+    }
+  }, []);
+
+  const removeFile = (index: number) => {
+    setUploadedFiles((prev) => prev.filter((_, i) => i !== index));
+  };
+
+  const handleUpload = async () => {
+    if (uploadedFiles.length === 0) return;
+    setIsUploading(true);
+    setUploadResults([]);
+    const results: MunicipalReceiptUploadResult[] = [];
+    for (const file of uploadedFiles) {
+      try {
+        const { data } = await uploadMunicipalReceipt(file);
+        results.push(data);
+      } catch (err) {
+        results.push({
+          imported: 0,
+          updated: 0,
+          errors: [`${file.name}: ${err instanceof Error ? err.message : 'Error al subir'}`],
+          receipt: null,
+        });
+      }
+    }
+    setUploadResults(results);
+    setUploadedFiles([]);
+    await loadData();
+    setIsUploading(false);
+  };
+
+  const formatFileSize = (bytes: number): string => {
+    if (bytes < 1024) return `${bytes} B`;
+    if (bytes < 1024 * 1024) return `${(bytes / 1024).toFixed(1)} KB`;
+    return `${(bytes / (1024 * 1024)).toFixed(1)} MB`;
+  };
+
+  return (
+    <div className="space-y-8">
+      {/* ── Page Header ─────────────────────────────────────────────────── */}
+      <div className="flex items-center gap-3">
+        <div className="w-10 h-10 rounded-lg bg-primary/10 flex items-center justify-center">
+          <Droplets className="w-5 h-5 text-primary" />
+        </div>
+        <div>
+          <h1 className="text-2xl font-bold font-heading">Servicios Municipales</h1>
+          <p className="text-sm text-muted-foreground">
+            Municipalidad de Belén — recibos y consumo de agua
+          </p>
+        </div>
+      </div>
+
+      {/* ── Summary Cards ───────────────────────────────────────────────── */}
+      <section className="grid grid-cols-2 sm:grid-cols-4 gap-3">
+        <Card>
+          <CardContent className="p-4">
+            <div className="flex items-center gap-1.5 mb-2">
+              <Receipt className="w-3.5 h-3.5 text-muted-foreground" />
+              <span className="text-xs text-muted-foreground font-medium uppercase tracking-wider">
+                Último recibo
+              </span>
+            </div>
+            <p data-sensitive className="text-lg font-bold font-mono">
+              {latestReceipt ? formatCRC(latestReceipt.total) : '—'}
+            </p>
+            {latestReceipt && (
+              <p className="text-xs text-muted-foreground mt-0.5">
+                {periodLabel(latestReceipt.period)}
+              </p>
+            )}
+          </CardContent>
+        </Card>
+
+        <Card>
+          <CardContent className="p-4">
+            <div className="flex items-center gap-1.5 mb-2">
+              <CalendarDays className="w-3.5 h-3.5 text-muted-foreground" />
+              <span className="text-xs text-muted-foreground font-medium uppercase tracking-wider">
+                Promedio mensual
+              </span>
+            </div>
+            <p data-sensitive className="text-lg font-bold font-mono">
+              {receipts.length > 0 ? formatCRC(avgMonthly) : '—'}
+            </p>
+            <p className="text-xs text-muted-foreground mt-0.5">
+              {receipts.length} {receipts.length === 1 ? 'recibo' : 'recibos'}
+            </p>
+          </CardContent>
+        </Card>
+
+        <Card>
+          <CardContent className="p-4">
+            <div className="flex items-center gap-1.5 mb-2">
+              <Droplets className="w-3.5 h-3.5 text-muted-foreground" />
+              <span className="text-xs text-muted-foreground font-medium uppercase tracking-wider">
+                Consumo actual
+              </span>
+            </div>
+            <p className="text-lg font-bold font-mono">
+              {currentConsumption.total > 0 ? `${currentConsumption.total} m³` : '—'}
+            </p>
+            {chartData.length > 0 && (
+              <p className="text-xs text-muted-foreground mt-0.5">
+                {periodLabel(chartData[chartData.length - 1].period)}
+              </p>
+            )}
+          </CardContent>
+        </Card>
+
+        <Card>
+          <CardContent className="p-4">
+            <div className="flex items-center gap-1.5 mb-2">
+              {consumptionDelta <= 0 ? (
+                <TrendingDown className="w-3.5 h-3.5 text-emerald-500" />
+              ) : (
+                <TrendingUp className="w-3.5 h-3.5 text-amber-500" />
+              )}
+              <span className="text-xs text-muted-foreground font-medium uppercase tracking-wider">
+                Variación
+              </span>
+            </div>
+            <p
+              className={`text-lg font-bold font-mono ${
+                consumptionDelta <= 0 ? 'text-emerald-500' : 'text-amber-500'
+              }`}
+            >
+              {currentConsumption.prev > 0
+                ? `${consumptionDelta > 0 ? '+' : ''}${consumptionDelta} m³`
+                : '—'}
+            </p>
+            <p className="text-xs text-muted-foreground mt-0.5">
+              vs mes anterior
+            </p>
+          </CardContent>
+        </Card>
+      </section>
+
+      {/* ── Water Consumption Chart ─────────────────────────────────────── */}
+      {chartData.length > 0 && (
+        <section className="space-y-3">
+          <h2 className="text-base font-semibold font-heading flex items-center gap-2 text-muted-foreground uppercase tracking-wider">
+            <Droplets className="w-4 h-4" />
+            Consumo de Agua (m³)
+          </h2>
+          <Card>
+            <CardContent className="p-4">
+              <ResponsiveContainer width="100%" height={280}>
+                <BarChart data={chartData} margin={{ top: 4, right: 8, left: 8, bottom: 4 }}>
+                  <CartesianGrid strokeDasharray="3 3" stroke="var(--border)" />
+                  <XAxis
+                    dataKey="label"
+                    tick={{ fontSize: 11, fill: 'var(--muted-foreground)' }}
+                    axisLine={{ stroke: 'var(--border)' }}
+                    tickLine={false}
+                  />
+                  <YAxis
+                    tick={{ fontSize: 11, fill: 'var(--muted-foreground)' }}
+                    axisLine={false}
+                    tickLine={false}
+                    width={32}
+                    unit=" m³"
+                  />
+                  <Tooltip content={<ChartTooltipContent />} />
+                  <Legend
+                    onClick={(e) => {
+                      const id = e.dataKey as string;
+                      setHiddenMeters((prev) => {
+                        const next = new Set(prev);
+                        next.has(id) ? next.delete(id) : next.add(id);
+                        return next;
+                      });
+                    }}
+                    formatter={(value: string) => (
+                      <span style={{
+                        fontSize: 12,
+                        color: hiddenMeters.has(value) ? 'var(--muted-foreground)' : 'var(--foreground)',
+                        opacity: hiddenMeters.has(value) ? 0.4 : 1,
+                        cursor: 'pointer',
+                      }}>
+                        Medidor {value}
+                      </span>
+                    )}
+                  />
+                  {meterIds.map((id) => (
+                    <Bar
+                      key={id}
+                      dataKey={id}
+                      name={id}
+                      fill={meterColor(id)}
+                      radius={[3, 3, 0, 0]}
+                      maxBarSize={32}
+                      hide={hiddenMeters.has(id)}
+                    />
+                  ))}
+                </BarChart>
+              </ResponsiveContainer>
+            </CardContent>
+          </Card>
+        </section>
+      )}
+
+      {/* ── Charge Trend Chart ─────────────────────────────────────────── */}
+      {chargeTrendData.length > 1 && (
+        <section className="space-y-3">
+          <h2 className="text-base font-semibold font-heading flex items-center gap-2 text-muted-foreground uppercase tracking-wider">
+            <Receipt className="w-4 h-4" />
+            Evolución de Cargos
+          </h2>
+          <Card>
+            <CardContent className="p-4">
+              <ResponsiveContainer width="100%" height={320}>
+                <LineChart data={chargeTrendData} margin={{ top: 4, right: 8, left: 8, bottom: 4 }}>
+                  <CartesianGrid strokeDasharray="3 3" stroke="var(--border)" />
+                  <XAxis
+                    dataKey="label"
+                    tick={{ fontSize: 11, fill: 'var(--muted-foreground)' }}
+                    axisLine={{ stroke: 'var(--border)' }}
+                    tickLine={false}
+                  />
+                  <YAxis
+                    tickFormatter={(v: number) => v >= 1000 ? `₡${(v / 1000).toFixed(0)}k` : `₡${v}`}
+                    tick={{ fontSize: 11, fill: 'var(--muted-foreground)' }}
+                    axisLine={false}
+                    tickLine={false}
+                    width={52}
+                  />
+                  <Tooltip
+                    content={({ active, payload, label }) => {
+                      if (!active || !payload?.length) return null;
+                      return (
+                        <div className="bg-popover border border-border rounded-lg p-3 shadow-lg text-sm min-w-[220px]">
+                          <p className="font-semibold mb-2 text-foreground">{label}</p>
+                          {payload.map((entry) => (
+                            <div key={entry.name} className="flex items-center justify-between gap-4 py-0.5">
+                              <span className="flex items-center gap-1.5">
+                                <span
+                                  className="w-2.5 h-2.5 rounded-full flex-shrink-0"
+                                  style={{ background: entry.color }}
+                                />
+                                <span className="text-muted-foreground text-xs">{entry.name}</span>
+                              </span>
+                              <span data-sensitive className="font-mono font-medium text-foreground text-xs">
+                                {formatCRC(entry.value as number)}
+                              </span>
+                            </div>
+                          ))}
+                        </div>
+                      );
+                    }}
+                  />
+                  <Legend
+                    onClick={(e) => {
+                      const name = e.dataKey as string;
+                      setHiddenCharges((prev) => {
+                        const next = new Set(prev);
+                        next.has(name) ? next.delete(name) : next.add(name);
+                        return next;
+                      });
+                    }}
+                    formatter={(value: string) => (
+                      <span style={{
+                        fontSize: 11,
+                        color: hiddenCharges.has(value) ? 'var(--muted-foreground)' : 'var(--foreground)',
+                        opacity: hiddenCharges.has(value) ? 0.4 : 1,
+                        cursor: 'pointer',
+                      }}>{value}</span>
+                    )}
+                    wrapperStyle={{ fontSize: 11 }}
+                  />
+                  {chargeNames.map((name, i) => (
+                    <Line
+                      key={name}
+                      type="monotone"
+                      dataKey={name}
+                      name={name}
+                      stroke={CHARGE_COLORS[i % CHARGE_COLORS.length]}
+                      strokeWidth={2}
+                      dot={{ r: 3 }}
+                      activeDot={{ r: 5 }}
+                      connectNulls
+                      hide={hiddenCharges.has(name)}
+                    />
+                  ))}
+                </LineChart>
+              </ResponsiveContainer>
+            </CardContent>
+          </Card>
+        </section>
+      )}
+
+      {/* ── Receipt History ──────────────────────────────────────────────── */}
+      <section className="space-y-3">
+        <h2 className="text-base font-semibold font-heading flex items-center gap-2 text-muted-foreground uppercase tracking-wider">
+          <Receipt className="w-4 h-4" />
+          Historial de Recibos
+        </h2>
+        {loading && receipts.length === 0 ? (
+          <Card>
+            <CardContent className="p-8 flex items-center justify-center text-muted-foreground">
+              <Loader2 className="w-5 h-5 animate-spin mr-2" />
+              Cargando...
+            </CardContent>
+          </Card>
+        ) : receipts.length === 0 ? (
+          <Card>
+            <CardContent className="p-8 text-center text-muted-foreground">
+              <Receipt className="w-8 h-8 mx-auto mb-2 opacity-40" />
+              <p className="text-sm">No hay recibos aún. Sube un PDF para comenzar.</p>
+            </CardContent>
+          </Card>
+        ) : (
+          <Card>
+            <CardContent className="p-0">
+              <Accordion>
+                {receipts.map((receipt) => (
+                  <AccordionItem key={receipt.id} value={String(receipt.id)}>
+                    <AccordionTrigger className="px-4 py-3 hover:no-underline">
+                      <div className="flex items-center justify-between w-full pr-2">
+                        <div className="flex items-center gap-3">
+                          <Badge variant="outline" className="font-mono text-xs">
+                            {periodLabel(receipt.period)}
+                          </Badge>
+                          <span className="text-sm text-muted-foreground hidden sm:inline">
+                            Vence{' '}
+                            {new Date(receipt.due_date).toLocaleDateString('es-CR', {
+                              day: 'numeric',
+                              month: 'short',
+                            })}
+                          </span>
+                        </div>
+                        <span data-sensitive className="font-mono font-bold text-sm">
+                          {formatCRC(receipt.total)}
+                        </span>
+                      </div>
+                    </AccordionTrigger>
+                    <AccordionContent className="px-4 pb-4">
+                      <div className="space-y-3">
+                        {/* Charges breakdown */}
+                        <div className="rounded-lg border border-border overflow-hidden">
+                          <table className="w-full text-sm">
+                            <thead>
+                              <tr className="bg-muted/50">
+                                <th className="text-left px-3 py-2 text-xs font-medium text-muted-foreground uppercase tracking-wider">
+                                  Detalle
+                                </th>
+                                <th className="text-right px-3 py-2 text-xs font-medium text-muted-foreground uppercase tracking-wider">
+                                  Monto
+                                </th>
+                              </tr>
+                            </thead>
+                            <tbody>
+                              {receipt.raw_charges.map((charge, i) => (
+                                <tr key={i} className="border-t border-border">
+                                  <td className="px-3 py-2 text-foreground">{charge.detail}</td>
+                                  <td data-sensitive className="px-3 py-2 text-right font-mono">
+                                    {formatCRC(charge.amount)}
+                                  </td>
+                                </tr>
+                              ))}
+                            </tbody>
+                            <tfoot>
+                              {receipt.interests > 0 && (
+                                <tr className="border-t border-border bg-muted/30">
+                                  <td className="px-3 py-1.5 text-xs text-muted-foreground">Intereses</td>
+                                  <td data-sensitive className="px-3 py-1.5 text-right font-mono text-xs">
+                                    {formatCRC(receipt.interests)}
+                                  </td>
+                                </tr>
+                              )}
+                              {receipt.iva > 0 && (
+                                <tr className="border-t border-border bg-muted/30">
+                                  <td className="px-3 py-1.5 text-xs text-muted-foreground">IVA</td>
+                                  <td data-sensitive className="px-3 py-1.5 text-right font-mono text-xs">
+                                    {formatCRC(receipt.iva)}
+                                  </td>
+                                </tr>
+                              )}
+                              <tr className="border-t-2 border-border font-bold">
+                                <td className="px-3 py-2">Total</td>
+                                <td data-sensitive className="px-3 py-2 text-right font-mono">
+                                  {formatCRC(receipt.total)}
+                                </td>
+                              </tr>
+                            </tfoot>
+                          </table>
+                        </div>
+
+                        {/* Meta info */}
+                        <div className="flex flex-wrap gap-x-4 gap-y-1 text-xs text-muted-foreground">
+                          <span>Cuenta: {receipt.account}</span>
+                          <span>Finca: {receipt.finca}</span>
+                          <span>
+                            Fecha:{' '}
+                            {new Date(receipt.receipt_date).toLocaleDateString('es-CR')}
+                          </span>
+                        </div>
+                      </div>
+                    </AccordionContent>
+                  </AccordionItem>
+                ))}
+              </Accordion>
+            </CardContent>
+          </Card>
+        )}
+      </section>
+
+      {/* ── PDF Upload ──────────────────────────────────────────────────── */}
+      <section className="space-y-3">
+        <h2 className="text-base font-semibold font-heading flex items-center gap-2 text-muted-foreground uppercase tracking-wider">
+          <FileText className="w-4 h-4" />
+          Subir Recibos
+        </h2>
+        <Card>
+          <CardContent className="p-6 space-y-4">
+            {/* Drop zone */}
+            <div
+              onDragOver={(e) => { e.preventDefault(); setIsDragging(true); }}
+              onDragLeave={(e) => { e.preventDefault(); setIsDragging(false); }}
+              onDrop={(e) => { e.preventDefault(); setIsDragging(false); handleFiles(e.dataTransfer.files); }}
+              onClick={() => fileInputRef.current?.click()}
+              role="button"
+              tabIndex={0}
+              onKeyDown={(e) => e.key === 'Enter' && fileInputRef.current?.click()}
+              aria-label="Seleccionar archivos PDF"
+              className={[
+                'border-2 border-dashed rounded-lg p-8',
+                'flex flex-col items-center justify-center gap-3',
+                'cursor-pointer transition-colors select-none',
+                'focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-ring',
+                isDragging
+                  ? 'border-primary bg-primary/5'
+                  : 'border-border hover:border-primary/50 hover:bg-muted/30',
+              ].join(' ')}
+            >
+              <Upload
+                className={`w-8 h-8 ${isDragging ? 'text-primary' : 'text-muted-foreground'}`}
+              />
+              <div className="text-center">
+                <p className="text-sm font-medium">
+                  {isDragging
+                    ? 'Suelta los archivos aquí'
+                    : 'Arrastra PDFs aquí o toca para seleccionar'}
+                </p>
+                <p className="text-xs text-muted-foreground mt-1">
+                  Solo archivos PDF · Múltiples archivos soportados
+                </p>
+              </div>
+            </div>
+
+            <input
+              ref={fileInputRef}
+              type="file"
+              accept="application/pdf"
+              multiple
+              className="hidden"
+              onChange={(e) => handleFiles(e.target.files)}
+            />
+
+            {/* File list */}
+            {uploadedFiles.length > 0 && (
+              <div className="space-y-2">
+                <p className="text-sm text-muted-foreground font-medium">
+                  {uploadedFiles.length}{' '}
+                  {uploadedFiles.length === 1 ? 'archivo en cola' : 'archivos en cola'}
+                </p>
+                <div className="space-y-1.5">
+                  {uploadedFiles.map((file, i) => (
+                    <div
+                      key={i}
+                      className="flex items-center justify-between gap-3 p-2.5 rounded-lg bg-muted/50 border border-border"
+                    >
+                      <div className="flex items-center gap-2.5 min-w-0">
+                        <FileText className="w-4 h-4 text-muted-foreground flex-shrink-0" />
+                        <div className="min-w-0">
+                          <p className="text-sm font-medium truncate">{file.name}</p>
+                          <p className="text-xs text-muted-foreground">{formatFileSize(file.size)}</p>
+                        </div>
+                      </div>
+                      <button
+                        onClick={() => removeFile(i)}
+                        className="flex-shrink-0 p-1 rounded hover:bg-destructive/10 hover:text-destructive transition-colors cursor-pointer focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-ring"
+                        aria-label={`Eliminar ${file.name}`}
+                      >
+                        <X className="w-3.5 h-3.5" />
+                      </button>
+                    </div>
+                  ))}
+                </div>
+              </div>
+            )}
+
+            {/* Submit */}
+            <Button
+              onClick={handleUpload}
+              disabled={uploadedFiles.length === 0 || isUploading}
+              className="w-full"
+            >
+              {isUploading ? (
+                <Loader2 className="w-4 h-4 mr-2 animate-spin" />
+              ) : (
+                <Upload className="w-4 h-4 mr-2" />
+              )}
+              {isUploading ? 'Extrayendo datos...' : `Subir ${uploadedFiles.length > 1 ? `${uploadedFiles.length} Recibos` : 'Recibo'}`}
+            </Button>
+
+            {/* Upload results */}
+            {uploadResults.length > 0 && (
+              <div className="space-y-2">
+                {uploadResults.map((result, i) => (
+                  <div
+                    key={i}
+                    className={[
+                      'rounded-lg border p-3 space-y-1',
+                      result.errors.length > 0 && !result.receipt
+                        ? 'border-destructive/50 bg-destructive/5'
+                        : 'border-emerald-500/50 bg-emerald-500/5',
+                    ].join(' ')}
+                  >
+                    <div className="flex items-center gap-2">
+                      {result.receipt ? (
+                        <CheckCircle2 className="w-4 h-4 text-emerald-500 flex-shrink-0" />
+                      ) : (
+                        <AlertTriangle className="w-4 h-4 text-amber-500 flex-shrink-0" />
+                      )}
+                      <span className="text-sm font-medium">
+                        {result.imported > 0 && 'Recibo importado'}
+                        {result.updated > 0 && 'Recibo actualizado'}
+                        {!result.receipt && 'Error al procesar'}
+                      </span>
+                    </div>
+                    {result.receipt && (
+                      <div className="flex items-center justify-between text-xs pl-6">
+                        <span className="text-muted-foreground">
+                          {periodLabel(result.receipt.period)}
+                        </span>
+                        <span data-sensitive className="font-mono font-medium">
+                          {formatCRC(result.receipt.total)}
+                        </span>
+                      </div>
+                    )}
+                    {result.errors.map((err, j) => (
+                      <p key={j} className="text-xs text-destructive pl-6">{err}</p>
+                    ))}
+                  </div>
+                ))}
+              </div>
+            )}
+          </CardContent>
+        </Card>
+      </section>
+    </div>
+  );
+}

frontend/src/pages/Transactions.tsx

@@ -1,131 +0,0 @@
-import { useEffect, useState, useCallback } from 'react';
-import { Plus, ClipboardPaste } from 'lucide-react';
-
-import api, { type Transaction, type Category } from '../api';
-import PasteImportModal from '../components/PasteImportModal';
-import BillingCycleSelector from '../components/BillingCycleSelector';
-import TransactionList from '../components/TransactionList';
-import { Button } from '@/components/ui/button';
-import {
-  Select,
-  SelectContent,
-  SelectItem,
-  SelectTrigger,
-  SelectValue,
-} from '@/components/ui/select';
-
-function formatAmount(amount: number, currency: string) {
-  const abs = Math.abs(amount);
-  if (currency === 'USD') {
-    return `$${abs.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
-  }
-  return `₡${abs.toLocaleString('es-CR', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`;
-}
-
-export default function Transactions() {
-  const [transactions, setTransactions] = useState<Transaction[]>([]);
-  const [categories, setCategories] = useState<Category[]>([]);
-  const [search, setSearch] = useState('');
-  const [categoryFilter, setCategoryFilter] = useState('');
-  const [loading, setLoading] = useState(true);
-  const [importOpen, setImportOpen] = useState(false);
-  const [cycle, setCycle] = useState<{ year: number; month: number } | null>(null);
-
-  const fetchTransactions = useCallback(async () => {
-    setLoading(true);
-    try {
-      const params: Record<string, string> = { source: 'CREDIT_CARD', limit: '200' };
-      if (search) params.search = search;
-      if (categoryFilter) params.category_id = categoryFilter;
-      if (cycle) {
-        params.cycle_year = String(cycle.year);
-        params.cycle_month = String(cycle.month);
-      }
-      const { data } = await api.get('/transactions/', { params });
-      setTransactions(data);
-    } finally {
-      setLoading(false);
-    }
-  }, [search, categoryFilter, cycle]);
-
-  useEffect(() => {
-    api.get('/categories/').then((r) => setCategories(r.data));
-  }, []);
-
-  useEffect(() => {
-    const timer = setTimeout(fetchTransactions, 300);
-    return () => clearTimeout(timer);
-  }, [fetchTransactions]);
-
-  const totalCRC = transactions
-    .filter((tx) => tx.currency === 'CRC')
-    .reduce((sum, tx) => sum + (tx.transaction_type === 'DEVOLUCION' ? -tx.amount : tx.amount), 0);
-  const totalUSD = transactions
-    .filter((tx) => tx.currency === 'USD')
-    .reduce((sum, tx) => sum + (tx.transaction_type === 'DEVOLUCION' ? -tx.amount : tx.amount), 0);
-
-  return (
-    <div className="space-y-5">
-      <div className="flex flex-col sm:flex-row sm:items-center justify-between gap-4">
-        <div>
-          <h1 className="text-2xl font-bold font-heading">Credit Card Transactions</h1>
-          <p className="text-sm text-muted-foreground mt-1">
-            {transactions.length} transactions
-            {totalCRC !== 0 && (
-              <> &middot; <span className="font-mono text-foreground">{formatAmount(totalCRC, 'CRC')}</span></>
-            )}
-            {totalUSD !== 0 && (
-              <> &middot; <span className="font-mono text-foreground">{formatAmount(totalUSD, 'USD')}</span></>
-            )}
-          </p>
-        </div>
-        <div className="flex gap-2">
-          <Button variant="outline" onClick={() => setImportOpen(true)}>
-            <ClipboardPaste className="w-4 h-4" />
-            Import
-          </Button>
-        </div>
-      </div>
-
-      {/* Billing cycle */}
-      <BillingCycleSelector value={cycle} onChange={setCycle} />
-
-      {/* Category filter */}
-      <div className="flex items-center gap-3">
-        <Select
-          value={categoryFilter || 'all'}
-          onValueChange={(v) => setCategoryFilter(v === 'all' ? '' : v)}
-        >
-          <SelectTrigger className="w-[180px]">
-            <SelectValue />
-          </SelectTrigger>
-          <SelectContent>
-            <SelectItem value="all">All Categories</SelectItem>
-            {categories.map((c) => (
-              <SelectItem key={c.id} value={String(c.id)}>
-                {c.name}
-              </SelectItem>
-            ))}
-          </SelectContent>
-        </Select>
-      </div>
-
-      <TransactionList
-        transactions={transactions}
-        loading={loading}
-        source="CREDIT_CARD"
-        search={search}
-        onSearchChange={setSearch}
-        onRefresh={fetchTransactions}
-        showCategory
-      />
-
-      {importOpen && (
-        <PasteImportModal
-          onClose={() => setImportOpen(false)}
-          onImported={fetchTransactions}
-        />
-      )}
-    </div>
-  );
-}

frontend/src/pages/Transfers.tsx

@@ -1,65 +0,0 @@
-import { useEffect, useState, useCallback } from 'react';
-import { ArrowLeftRight } from 'lucide-react';
-
-import api, { type Transaction } from '../api';
-import TransactionList from '../components/TransactionList';
-import { Tabs, TabsList, TabsTrigger, TabsContent } from '@/components/ui/tabs';
-
-type SourceTab = 'CASH' | 'TRANSFER';
-
-export default function Transfers() {
-  const [transactions, setTransactions] = useState<Transaction[]>([]);
-  const [search, setSearch] = useState('');
-  const [sourceTab, setSourceTab] = useState<SourceTab>('CASH');
-  const [loading, setLoading] = useState(true);
-
-  const fetchTransactions = useCallback(async () => {
-    setLoading(true);
-    try {
-      const params: Record<string, string> = { source: sourceTab, limit: '200' };
-      if (search) params.search = search;
-      const { data } = await api.get('/transactions/', { params });
-      setTransactions(data);
-    } finally {
-      setLoading(false);
-    }
-  }, [search, sourceTab]);
-
-  useEffect(() => {
-    const timer = setTimeout(fetchTransactions, 300);
-    return () => clearTimeout(timer);
-  }, [fetchTransactions]);
-
-  return (
-    <div className="space-y-5">
-      <div>
-        <h1 className="text-2xl font-bold font-heading">Cash & Transfers</h1>
-        <p className="text-sm text-muted-foreground mt-1">
-          Track non-credit-card expenses
-        </p>
-      </div>
-
-      <Tabs value={sourceTab} onValueChange={(v) => setSourceTab(v as SourceTab)}>
-        <TabsList>
-          <TabsTrigger value="CASH">Cash</TabsTrigger>
-          <TabsTrigger value="TRANSFER">Transfers</TabsTrigger>
-        </TabsList>
-
-        <TabsContent value={sourceTab} className="mt-5 space-y-5">
-          <TransactionList
-            transactions={transactions}
-            loading={loading}
-            source={sourceTab}
-            search={search}
-            onSearchChange={setSearch}
-            onRefresh={fetchTransactions}
-            showCategory={false}
-            addLabel={sourceTab === 'CASH' ? 'Add Cash Expense' : 'Add Transfer'}
-            emptyIcon={<ArrowLeftRight className="w-8 h-8 mx-auto mb-3 text-muted-foreground/50" />}
-            emptyMessage={`No ${sourceTab.toLowerCase()} transactions yet`}
-          />
-        </TabsContent>
-      </Tabs>
-    </div>
-  );
-}

frontend/src/vite-env.d.ts

@@ -1 +0,0 @@
-/// <reference types="vite/client" />

frontend/tsconfig.json

@@ -7,17 +7,15 @@
     "skipLibCheck": true,
     "moduleResolution": "bundler",
     "allowImportingTsExtensions": true,
+    "resolveJsonModule": true,
     "isolatedModules": true,
-    "moduleDetection": "force",
     "noEmit": true,
     "jsx": "react-jsx",
     "strict": true,
-    "noUnusedLocals": true,
-    "noUnusedParameters": true,
-    "noFallthroughCasesInSwitch": true,
     "paths": {
       "@/*": ["./src/*"]
     }
   },
-  "include": ["src"]
+  "include": ["src", "server.ts"],
+  "exclude": ["node_modules"]
 }

frontend/vite.config.ts

@@ -1,19 +1,25 @@
-import { defineConfig } from 'vite';
-import react from '@vitejs/plugin-react-swc';
-import tailwindcss from '@tailwindcss/vite';
-import path from 'path';
+import { defineConfig } from "vite";
+import react from "@vitejs/plugin-react-swc";
+import tailwindcss from "@tailwindcss/vite";
+import path from "path";
 
 export default defineConfig({
   plugins: [react(), tailwindcss()],
   resolve: {
     alias: {
-      '@': path.resolve(__dirname, './src'),
+      "@": path.resolve(__dirname, "./src"),
     },
   },
   server: {
     proxy: {
-      '/api': {
-        target: 'http://localhost:8001',
+      // CopilotKit runtime (Hono server, dev only)
+      "/api/copilotkit": {
+        target: "http://localhost:3001",
+        changeOrigin: true,
+      },
+      // All other API calls → Python backend
+      "/api": {
+        target: "http://localhost:8001",
         changeOrigin: true,
       },
     },

scripts/sync-db.sh

@@ -0,0 +1,99 @@
+#!/usr/bin/env bash
+set -euo pipefail
+
+# ── Configuration ────────────────────────────────────────────────
+PROD_SSH_ALIAS="old-vps"
+PROD_CONTAINER="wealthysmart-db-prod"
+PROD_DB="wealthysmart"
+PROD_USER="wealthy_user"
+
+LOCAL_CONTAINER="wealthysmart-db-dev"
+LOCAL_DB="wealthysmart"
+LOCAL_USER="wealthy_user"
+LOCAL_PASS="wealthy_pass"
+
+SCRIPT_DIR="$(cd "$(dirname "${BASH_SOURCE[0]}")" && pwd)"
+PROJECT_ROOT="$(dirname "$SCRIPT_DIR")"
+DUMP_FILE="$(mktemp -t wealthysmart-dump-XXXXXX)"
+
+# ── Cleanup on exit ─────────────────────────────────────────────
+cleanup() { rm -f "$DUMP_FILE"; }
+trap cleanup EXIT
+
+# ── Confirmation ─────────────────────────────────────────────────
+echo "=== WealthySmart Database Sync ==="
+echo ""
+echo "This will DESTROY your local dev database and replace it"
+echo "with a copy of production data."
+echo ""
+read -r -p "Continue? [y/N] " confirm
+if [[ "$confirm" != [yY] ]]; then
+    echo "Aborted."
+    exit 0
+fi
+
+# ── 1. Dump production ──────────────────────────────────────────
+echo ""
+echo "[1/5] Dumping production database..."
+ssh "$PROD_SSH_ALIAS" \
+    "docker exec $PROD_CONTAINER pg_dump \
+        --format=custom \
+        --no-owner \
+        --no-acl \
+        -U $PROD_USER \
+        $PROD_DB" > "$DUMP_FILE"
+
+if [[ ! -s "$DUMP_FILE" ]]; then
+    echo "ERROR: Dump file is empty. SSH or pg_dump may have failed."
+    exit 1
+fi
+
+DUMP_SIZE=$(du -h "$DUMP_FILE" | cut -f1)
+echo "       Done. Dump size: $DUMP_SIZE"
+
+# ── 2. Ensure local DB container is running ─────────────────────
+echo "[2/5] Ensuring local dev database is running..."
+cd "$PROJECT_ROOT"
+
+if ! docker inspect --format='{{.State.Running}}' "$LOCAL_CONTAINER" 2>/dev/null | grep -q "true"; then
+    echo "       Starting db service..."
+    docker compose up -d db
+fi
+
+for i in $(seq 1 30); do
+    if docker inspect --format='{{.State.Health.Status}}' "$LOCAL_CONTAINER" 2>/dev/null | grep -q "healthy"; then
+        break
+    fi
+    if [[ $i -eq 30 ]]; then
+        echo "ERROR: Local DB container did not become healthy within 30s."
+        exit 1
+    fi
+    sleep 1
+done
+echo "       Local DB is running and healthy."
+
+# ── 3. Drop and recreate local database ─────────────────────────
+echo "[3/5] Dropping and recreating local dev database..."
+docker exec "$LOCAL_CONTAINER" bash -c \
+    "PGPASSWORD='$LOCAL_PASS' dropdb -U $LOCAL_USER --if-exists $LOCAL_DB && \
+     PGPASSWORD='$LOCAL_PASS' createdb -U $LOCAL_USER $LOCAL_DB"
+echo "       Done."
+
+# ── 4. Restore ──────────────────────────────────────────────────
+echo "[4/5] Restoring dump into local dev database..."
+docker exec -i "$LOCAL_CONTAINER" pg_restore \
+    --no-owner \
+    --no-acl \
+    --dbname="$LOCAL_DB" \
+    -U "$LOCAL_USER" < "$DUMP_FILE"
+
+# ── 5. Run pending migrations ───────────────────────────────────
+echo "[5/5] Running pending migrations..."
+docker exec "$LOCAL_CONTAINER" psql -U "$LOCAL_USER" -d "$LOCAL_DB" -c \
+    "ALTER TABLE transaction ADD COLUMN IF NOT EXISTS deferred_to_next_cycle BOOLEAN NOT NULL DEFAULT false;" \
+    2>/dev/null || true
+echo "       Done."
+
+echo ""
+echo "=== Sync complete! ==="
+echo "Local dev database now mirrors production."