Merge branch 'claude/ecstatic-elgamal'

The projected interest was extrapolating from sparse YTD journal entries,
producing inaccurate results early in the year. Now uses the same
rate-based est_monthly_interest calculation (from account balances and
investment rates) for remaining months, consistent with the dashboard KPI.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/src/modules/health-scores/health-scores.service.ts

@@ -220,20 +220,12 @@ export class HealthScoresService {
         missing.push(`No budget found for ${year}. Upload or create an annual budget.`);
       }
 
-      // Should have reserve components (warn but don't block)
-      const components = await qr.query(
-        `SELECT COUNT(*) as cnt FROM reserve_components`,
-      );
-      if (parseInt(components[0].cnt) === 0) {
-        missing.push('No reserve components found. Add reserve components (roof, parking, pool, etc.) with replacement costs for an accurate funded-ratio calculation.');
-      }
-
-      // Should have capital projects (warn but don't block)
+      // Should have reserve-funded projects with estimated costs (warn but don't block)
       const projects = await qr.query(
-        `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true`,
+        `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true AND fund_source = 'reserve'`,
       );
       if (parseInt(projects[0].cnt) === 0) {
-        missing.push('No capital projects found. Add planned capital projects for a more accurate reserve health assessment.');
+        missing.push('No reserve-funded projects found. Add projects with estimated costs for an accurate funded-ratio calculation.');
       }
     }
 

backend/src/modules/reports/reports.service.ts

@@ -716,14 +716,38 @@ export class ReportsService {
     `);
     const estMonthlyInterest = acctInterestTotal + parseFloat(invInterest[0]?.total || '0');
 
-    // Interest earned YTD: approximate from current_value - principal (unrealized gains)
+    // Interest earned YTD: actual interest income from journal entries for current year
+    const currentYear = new Date().getFullYear();
     const interestEarned = await this.tenant.query(`
-      SELECT COALESCE(SUM(current_value - principal), 0) as total
-      FROM investment_accounts WHERE is_active = true AND current_value > principal
-    `);
+      SELECT COALESCE(SUM(jel.credit - jel.debit), 0) as total
+      FROM accounts a
+      JOIN journal_entry_lines jel ON jel.account_id = a.id
+      JOIN journal_entries je ON je.id = jel.journal_entry_id
+        AND je.is_posted = true AND je.is_void = false
+        AND EXTRACT(YEAR FROM je.entry_date) = $1
+      WHERE a.account_type = 'income' AND a.is_active = true
+        AND LOWER(a.name) LIKE '%interest%'
+    `, [currentYear]);
+
+    // Interest earned last year (for YoY comparison)
+    const interestLastYear = await this.tenant.query(`
+      SELECT COALESCE(SUM(jel.credit - jel.debit), 0) as total
+      FROM accounts a
+      JOIN journal_entry_lines jel ON jel.account_id = a.id
+      JOIN journal_entries je ON je.id = jel.journal_entry_id
+        AND je.is_posted = true AND je.is_void = false
+        AND EXTRACT(YEAR FROM je.entry_date) = $1
+      WHERE a.account_type = 'income' AND a.is_active = true
+        AND LOWER(a.name) LIKE '%interest%'
+    `, [currentYear - 1]);
+
+    // Projected interest for current year: YTD actual + remaining months using
+    // the rate-based est_monthly_interest (same source as the dashboard KPI)
+    const currentMonth = new Date().getMonth() + 1;
+    const ytdInterest = parseFloat(interestEarned[0]?.total || '0');
+    const projectedInterest = ytdInterest + (estMonthlyInterest * (12 - currentMonth));
 
     // Planned capital spend for current year
-    const currentYear = new Date().getFullYear();
     const capitalSpend = await this.tenant.query(`
       SELECT COALESCE(SUM(estimated_cost), 0) as total
       FROM projects WHERE target_year = $1 AND status IN ('planned', 'in_progress') AND is_active = true
@@ -749,7 +773,9 @@ export class ReportsService {
       operating_investments: operatingInvestments.toFixed(2),
       reserve_investments: reserveInvestments.toFixed(2),
       est_monthly_interest: estMonthlyInterest.toFixed(2),
-      interest_earned_ytd: interestEarned[0]?.total || '0.00',
+      interest_earned_ytd: ytdInterest.toFixed(2),
+      interest_last_year: parseFloat(interestLastYear[0]?.total || '0').toFixed(2),
+      interest_projected: projectedInterest.toFixed(2),
       planned_capital_spend: capitalSpend[0]?.total || '0.00',
     };
   }

frontend/src/pages/dashboard/DashboardPage.tsx

@@ -306,6 +306,8 @@ interface DashboardData {
   reserve_investments: string;
   est_monthly_interest: string;
   interest_earned_ytd: string;
+  interest_last_year: string;
+  interest_projected: string;
   planned_capital_spend: string;
 }
 
@@ -541,7 +543,30 @@ export function DashboardPage() {
                   <Text size="sm" fw={500} c="teal">{fmt(data?.interest_earned_ytd || '0')}</Text>
                 </Group>
                 <Group justify="space-between">
-                  <Text size="sm" c="dimmed">Planned Capital Spend</Text>
+                  <Text size="sm" c="dimmed">Interest Earned YoY</Text>
+                  <Group gap={6}>
+                    <Text size="sm" fw={500} c="teal">{fmt(data?.interest_projected || '0')}</Text>
+                    <Text size="xs" c="dimmed">proj</Text>
+                    <Text size="xs" c="dimmed">vs</Text>
+                    <Text size="sm" fw={500} c="gray">{fmt(data?.interest_last_year || '0')}</Text>
+                    <Text size="xs" c="dimmed">prev</Text>
+                    {(() => {
+                      const proj = parseFloat(data?.interest_projected || '0');
+                      const prev = parseFloat(data?.interest_last_year || '0');
+                      const diff = proj - prev;
+                      if (prev === 0 && proj === 0) return null;
+                      return (
+                        <Badge size="xs" color={diff >= 0 ? 'green' : 'red'} variant="light">
+                          {diff >= 0 ? '+' : ''}{prev > 0 ? ((diff / prev) * 100).toFixed(0) : '—'}%
+                        </Badge>
+                      );
+                    })()}
+                  </Group>
+                </Group>
+                <Divider my={4} />
+                <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Capital Projects</Text>
+                <Group justify="space-between">
+                  <Text size="sm" c="dimmed">Planned Capital Spend {new Date().getFullYear()}</Text>
                   <Text size="sm" fw={500} c="orange">{fmt(data?.planned_capital_spend || '0')}</Text>
                 </Group>
                 <Divider my={4} />

frontend/src/pages/monthly-actuals/MonthlyActualsPage.tsx

@@ -1,11 +1,12 @@
 import { useState, useMemo } from 'react';
 import {
   Title, Table, Group, Button, Stack, Text, NumberInput,
-  Select, Loader, Center, Card, SimpleGrid, Badge, Alert,
+  Select, Loader, Center, Card, SimpleGrid, Badge, Alert, Modal,
 } from '@mantine/core';
+import { useDisclosure } from '@mantine/hooks';
 import { notifications } from '@mantine/notifications';
 import {
-  IconDeviceFloppy, IconInfoCircle, IconCalendarMonth,
+  IconDeviceFloppy, IconInfoCircle, IconCalendarMonth, IconEdit,
 } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
@@ -65,6 +66,8 @@ export function MonthlyActualsPage() {
   const [month, setMonth] = useState(defaults.month);
   const [editedAmounts, setEditedAmounts] = useState<Record<string, number>>({});
   const [savedJEId, setSavedJEId] = useState<string | null>(null);
+  const [isEditing, setIsEditing] = useState(false);
+  const [confirmOpened, { open: openConfirm, close: closeConfirm }] = useDisclosure(false);
   const queryClient = useQueryClient();
   const isReadOnly = useIsReadOnly();
   const isDark = usePreferencesStore((s) => s.colorScheme) === 'dark';
@@ -84,10 +87,15 @@ export function MonthlyActualsPage() {
       const { data } = await api.get(`/monthly-actuals/${year}/${month}`);
       setEditedAmounts({});
       setSavedJEId(data.existing_journal_entry_id || null);
+      // Default to read mode if actuals already exist, edit mode if new
+      setIsEditing(!data.existing_journal_entry_id);
       return data;
     },
   });
 
+  // Whether actuals have been previously saved (reconciled)
+  const hasExistingActuals = !!savedJEId;
+
   const saveMutation = useMutation({
     mutationFn: async () => {
       const lines = (grid?.lines || [])
@@ -107,6 +115,8 @@ export function MonthlyActualsPage() {
       queryClient.invalidateQueries({ queryKey: ['accounts'] });
       queryClient.invalidateQueries({ queryKey: ['budget-vs-actual'] });
       setSavedJEId(data.journal_entry_id);
+      setIsEditing(false);
+      setEditedAmounts({});
       notifications.show({
         message: data.message || 'Actuals saved and reconciled',
         color: 'green',
@@ -131,6 +141,19 @@ export function MonthlyActualsPage() {
     setEditedAmounts((prev) => ({ ...prev, [accountId]: value }));
   };
 
+  const handleEditClick = () => {
+    if (hasExistingActuals) {
+      openConfirm();
+    } else {
+      setIsEditing(true);
+    }
+  };
+
+  const handleConfirmEdit = () => {
+    closeConfirm();
+    setIsEditing(true);
+  };
+
   const lines = grid?.lines || [];
   const incomeLines = lines.filter((l) => l.account_type === 'income');
   const expenseLines = lines.filter((l) => l.account_type === 'expense');
@@ -143,7 +166,6 @@ export function MonthlyActualsPage() {
     return { incomeBudget, incomeActual, expenseBudget, expenseActual };
   }, [lines, editedAmounts]);
 
-  const hasChanges = Object.keys(editedAmounts).length > 0;
   const monthLabel = monthOptions.find((m) => m.value === month)?.label || '';
 
   if (isLoading) return <Center h={300}><Loader /></Center>;
@@ -169,7 +191,7 @@ export function MonthlyActualsPage() {
           {title}
         </Table.Td>
         <Table.Td ta="right" fw={700} ff="monospace">{fmt(budgetTotal)}</Table.Td>
-        <Table.Td />
+        <Table.Td ta="right" fw={700} ff="monospace">{fmt(actualTotal)}</Table.Td>
         <Table.Td ta="right" fw={700} ff="monospace"
           c={variance === 0 ? 'gray' : (isExpense ? (variance > 0 ? 'red' : 'green') : (variance > 0 ? 'green' : 'red'))}
         >
@@ -204,17 +226,21 @@ export function MonthlyActualsPage() {
             <Table.Td ta="right" ff="monospace" c="dimmed" style={{ minWidth: 110 }}>
               {fmt(line.budget_amount)}
             </Table.Td>
-            <Table.Td p={2} style={{ minWidth: 130 }}>
-              <NumberInput
-                value={amount}
-                onChange={(v) => updateAmount(line.account_id, Number(v) || 0)}
-                size="xs"
-                hideControls
-                decimalScale={2}
-                allowNegative
-                disabled={isReadOnly}
-                styles={{ input: { textAlign: 'right', fontFamily: 'monospace' } }}
-              />
+            <Table.Td p={isEditing ? 2 : undefined} style={{ minWidth: 130 }}>
+              {isEditing ? (
+                <NumberInput
+                  value={amount}
+                  onChange={(v) => updateAmount(line.account_id, Number(v) || 0)}
+                  size="xs"
+                  hideControls
+                  decimalScale={2}
+                  allowNegative
+                  disabled={isReadOnly}
+                  styles={{ input: { textAlign: 'right', fontFamily: 'monospace' } }}
+                />
+              ) : (
+                <Text size="sm" ff="monospace" ta="right">{fmt(amount)}</Text>
+              )}
             </Table.Td>
             <Table.Td
               ta="right" ff="monospace" style={{ minWidth: 110 }}
@@ -238,14 +264,24 @@ export function MonthlyActualsPage() {
         <Group>
           <Select data={yearOptions} value={year} onChange={(v) => v && setYear(v)} w={100} />
           <Select data={monthOptions} value={month} onChange={(v) => v && setMonth(v)} w={150} />
-          {!isReadOnly && (
+          {!isReadOnly && !isEditing && (
+            <Button
+              leftSection={<IconEdit size={16} />}
+              variant="light"
+              onClick={handleEditClick}
+              disabled={lines.length === 0}
+            >
+              Edit Actuals
+            </Button>
+          )}
+          {!isReadOnly && isEditing && (
             <Button
               leftSection={<IconDeviceFloppy size={16} />}
               onClick={() => saveMutation.mutate()}
               loading={saveMutation.isPending}
               disabled={lines.length === 0}
             >
-              {hasChanges ? 'Save & Reconcile' : 'Save Actuals'}
+              Save Actuals
             </Button>
           )}
         </Group>
@@ -282,7 +318,7 @@ export function MonthlyActualsPage() {
         </Alert>
       )}
 
-      {savedJEId && (
+      {hasExistingActuals && !isEditing && (
         <Alert icon={<IconInfoCircle size={16} />} color="green" variant="light">
           <Group justify="space-between" align="flex-start">
             <Text size="sm">
@@ -323,6 +359,26 @@ export function MonthlyActualsPage() {
           <AttachmentPanel journalEntryId={savedJEId} />
         </Card>
       )}
+
+      {/* Confirmation modal for editing reconciled actuals */}
+      <Modal opened={confirmOpened} onClose={closeConfirm} title="Edit Reconciled Actuals" centered>
+        <Stack>
+          <Text size="sm">
+            Actuals for <Text span fw={700}>{monthLabel} {year}</Text> have already been
+            reconciled. Editing will void the existing journal entry and create a new one
+            when you save.
+          </Text>
+          <Text size="sm" c="dimmed">
+            Press Edit to proceed, or Cancel to keep the current values.
+          </Text>
+          <Group justify="flex-end">
+            <Button variant="default" onClick={closeConfirm}>Cancel</Button>
+            <Button color="orange" leftSection={<IconEdit size={16} />} onClick={handleConfirmEdit}>
+              Edit
+            </Button>
+          </Group>
+        </Stack>
+      </Modal>
     </Stack>
   );
 }