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/reports/reports.service.ts

@@ -741,11 +741,11 @@ export class ReportsService {
         AND LOWER(a.name) LIKE '%interest%'
     `, [currentYear - 1]);
 
-    // Projected interest for current year (YTD actual + remaining months estimated)
+    // 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 monthlyAvg = currentMonth > 0 ? ytdInterest / currentMonth : 0;
-    const projectedInterest = ytdInterest + (monthlyAvg * (12 - currentMonth));
+    const projectedInterest = ytdInterest + (estMonthlyInterest * (12 - currentMonth));
 
     // Planned capital spend for current year
     const capitalSpend = await this.tenant.query(`