feat: #45 meta de poupança configurável + conquistas genéricas

- Nova tabela user_settings com savings_goal_pct (default 40%)
- API GET /api/settings, PUT /api/settings
- DashboardService inclui savings_goal_pct no payload
- DashboardHandler dispara savings_checked com goal configurado
- GameService.NotifyAction: checa pct >= goal (sem hardcode de 40%)
- SettingsView: painel META DE POUPANÇA com input configurável
- HomeView: widget mostra meta dinâmica (META: X%) e usa savingsGoal
- stores/settings.ts: store com fetch e update

Co-Authored-By: Claude Sonnet 4.6 <[email protected]>

apps/api/cmd/server/main.go

@@ -86,9 +86,13 @@ func main() {
 	accountHandler := handler.NewAccountHandler(accountSvc)
 	creditBillHandler := handler.NewCreditBillHandler(creditBillSvc)
 
+	settingsRepo := repository.NewSettingsRepository(pool)
+	settingsSvc := service.NewSettingsService(settingsRepo)
+	settingsHandler := handler.NewSettingsHandler(settingsSvc)
+
 	dashboardRepo := repository.NewDashboardRepository(pool)
-	dashboardSvc := service.NewDashboardService(dashboardRepo, recurringSvc, accountRepo, creditBillSvc, pendingBillSvc)
-	dashboardHandler := handler.NewDashboardHandler(dashboardSvc)
+	dashboardSvc := service.NewDashboardService(dashboardRepo, recurringSvc, accountRepo, creditBillSvc, pendingBillSvc, settingsSvc)
+	dashboardHandler := handler.NewDashboardHandler(dashboardSvc, gameSvc)
 
 	r.Get("/health", handler.Health)
 
@@ -142,6 +146,9 @@ func main() {
 
 		r.Get("/dashboard", dashboardHandler.Get)
 
+		r.Get("/settings", settingsHandler.Get)
+		r.Put("/settings", settingsHandler.Update)
+
 		r.Get("/game/summary", gameHandler.Summary)
 		r.Post("/game/xp", gameHandler.AwardXP)
 		r.Post("/game/quests/{id}/claim", gameHandler.ClaimQuest)

apps/api/internal/handler/dashboard.go

@@ -8,11 +8,12 @@ import (
 )
 
 type DashboardHandler struct {
-	svc *service.DashboardService
+	svc     *service.DashboardService
+	gameSvc *service.GameService
 }
 
-func NewDashboardHandler(svc *service.DashboardService) *DashboardHandler {
-	return &DashboardHandler{svc: svc}
+func NewDashboardHandler(svc *service.DashboardService, gameSvc *service.GameService) *DashboardHandler {
+	return &DashboardHandler{svc: svc, gameSvc: gameSvc}
 }
 
 func (h *DashboardHandler) Get(w http.ResponseWriter, r *http.Request) {
@@ -26,5 +27,14 @@ func (h *DashboardHandler) Get(w http.ResponseWriter, r *http.Request) {
 		respondError(w, http.StatusInternalServerError, "failed to load dashboard")
 		return
 	}
+
+	// Notify game engine about savings percentage for the current month only
+	if month == time.Now().Format("2006-01") {
+		h.gameSvc.NotifyAction(r.Context(), "savings_checked", map[string]any{
+			"pct":  data.SavingsPct,
+			"goal": data.SavingsGoalPct,
+		})
+	}
+
 	respondJSON(w, http.StatusOK, data)
 }

apps/api/internal/handler/settings.go

@@ -0,0 +1,44 @@
+package handler
+
+import (
+	"encoding/json"
+	"net/http"
+
+	"financeiro-carvalho/internal/model"
+	"financeiro-carvalho/internal/service"
+)
+
+type SettingsHandler struct {
+	svc *service.SettingsService
+}
+
+func NewSettingsHandler(svc *service.SettingsService) *SettingsHandler {
+	return &SettingsHandler{svc: svc}
+}
+
+func (h *SettingsHandler) Get(w http.ResponseWriter, r *http.Request) {
+	s, err := h.svc.Get(r.Context())
+	if err != nil {
+		respondError(w, http.StatusInternalServerError, "failed to get settings")
+		return
+	}
+	respondJSON(w, http.StatusOK, s)
+}
+
+func (h *SettingsHandler) Update(w http.ResponseWriter, r *http.Request) {
+	var in model.UserSettings
+	if err := json.NewDecoder(r.Body).Decode(&in); err != nil {
+		respondError(w, http.StatusBadRequest, "invalid JSON")
+		return
+	}
+	out, err := h.svc.Update(r.Context(), in)
+	if err != nil {
+		if err == service.ErrInvalidSavingsGoal {
+			respondError(w, http.StatusUnprocessableEntity, err.Error())
+			return
+		}
+		respondError(w, http.StatusInternalServerError, "failed to update settings")
+		return
+	}
+	respondJSON(w, http.StatusOK, out)
+}

apps/api/internal/migration/migration.go

@@ -56,6 +56,9 @@ var m015 string
 //go:embed sql/016_pending_bill_imports.sql
 var m016 string
 
+//go:embed sql/017_user_settings.sql
+var m017 string
+
 func Run(ctx context.Context, pool *pgxpool.Pool) error {
 	// Bootstrap: ensure schema_migrations table exists before checking versions.
 	if _, err := pool.Exec(ctx, `
@@ -67,7 +70,7 @@ func Run(ctx context.Context, pool *pgxpool.Pool) error {
 		return fmt.Errorf("bootstrap schema_migrations: %w", err)
 	}
 
-	migrations := []string{m001, m002, m003, m004, m005, m006, m007, m008, m009, m010, m011, m012, m013, m014, m015, m016}
+	migrations := []string{m001, m002, m003, m004, m005, m006, m007, m008, m009, m010, m011, m012, m013, m014, m015, m016, m017}
 	for i, sql := range migrations {
 		version := i + 1
 		var applied bool

apps/api/internal/migration/sql/017_user_settings.sql

@@ -0,0 +1,5 @@
+CREATE TABLE IF NOT EXISTS user_settings (
+    profile_id       INTEGER PRIMARY KEY REFERENCES profiles(id) ON DELETE CASCADE,
+    savings_goal_pct NUMERIC(5,2) NOT NULL DEFAULT 40,
+    updated_at       TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);

apps/api/internal/model/dashboard.go

@@ -28,6 +28,7 @@ type DashboardData struct {
 	TotalIncome             float64              `json:"total_income"`
 	TotalExpenses           float64              `json:"total_expenses"`
 	SavingsPct              float64              `json:"savings_pct"`
+	SavingsGoalPct          float64              `json:"savings_goal_pct"`
 	TotalPatrimony          float64              `json:"total_patrimony"`
 	ByCategory              []CategoryTotal      `json:"by_category"`
 	MonthlyEvolution        []MonthEvolution     `json:"monthly_evolution"`

apps/api/internal/model/settings.go

@@ -0,0 +1,5 @@
+package model
+
+type UserSettings struct {
+	SavingsGoalPct float64 `json:"savings_goal_pct"`
+}

apps/api/internal/repository/settings.go

@@ -0,0 +1,50 @@
+package repository
+
+import (
+	"context"
+
+	"github.com/jackc/pgx/v5/pgxpool"
+
+	"financeiro-carvalho/internal/middleware"
+	"financeiro-carvalho/internal/model"
+)
+
+type SettingsRepository interface {
+	Get(ctx context.Context) (*model.UserSettings, error)
+	Upsert(ctx context.Context, s model.UserSettings) (*model.UserSettings, error)
+}
+
+type settingsRepo struct{ pool *pgxpool.Pool }
+
+func NewSettingsRepository(pool *pgxpool.Pool) SettingsRepository {
+	return &settingsRepo{pool: pool}
+}
+
+func (r *settingsRepo) Get(ctx context.Context) (*model.UserSettings, error) {
+	pid := middleware.ProfileIDFromCtx(ctx)
+	var s model.UserSettings
+	err := r.pool.QueryRow(ctx, `
+		SELECT savings_goal_pct FROM user_settings WHERE profile_id = $1
+	`, pid).Scan(&s.SavingsGoalPct)
+	if err != nil {
+		// Return defaults if not yet configured
+		return &model.UserSettings{SavingsGoalPct: 40}, nil
+	}
+	return &s, nil
+}
+
+func (r *settingsRepo) Upsert(ctx context.Context, s model.UserSettings) (*model.UserSettings, error) {
+	pid := middleware.ProfileIDFromCtx(ctx)
+	var out model.UserSettings
+	err := r.pool.QueryRow(ctx, `
+		INSERT INTO user_settings (profile_id, savings_goal_pct)
+		VALUES ($1, $2)
+		ON CONFLICT (profile_id) DO UPDATE
+		SET savings_goal_pct = EXCLUDED.savings_goal_pct, updated_at = NOW()
+		RETURNING savings_goal_pct
+	`, pid, s.SavingsGoalPct).Scan(&out.SavingsGoalPct)
+	if err != nil {
+		return nil, err
+	}
+	return &out, nil
+}

apps/api/internal/service/dashboard.go

@@ -24,10 +24,11 @@ type DashboardService struct {
 	patrimony      PatrimonySource
 	billSvc        *CreditBillService
 	pendingBillSvc *PendingBillService
+	settingsSvc    *SettingsService
 }
 
-func NewDashboardService(repo DashboardRepo, recurrSvc *RecurringService, patrimony PatrimonySource, billSvc *CreditBillService, pendingBillSvc *PendingBillService) *DashboardService {
-	return &DashboardService{repo: repo, recurrSvc: recurrSvc, patrimony: patrimony, billSvc: billSvc, pendingBillSvc: pendingBillSvc}
+func NewDashboardService(repo DashboardRepo, recurrSvc *RecurringService, patrimony PatrimonySource, billSvc *CreditBillService, pendingBillSvc *PendingBillService, settingsSvc *SettingsService) *DashboardService {
+	return &DashboardService{repo: repo, recurrSvc: recurrSvc, patrimony: patrimony, billSvc: billSvc, pendingBillSvc: pendingBillSvc, settingsSvc: settingsSvc}
 }
 
 func (s *DashboardService) Get(ctx context.Context, month string) (*model.DashboardData, error) {
@@ -115,11 +116,18 @@ func (s *DashboardService) Get(ctx context.Context, month string) (*model.Dashbo
 		pendingBillImports = []model.PendingBillImport{}
 	}
 
+	settings, _ := s.settingsSvc.Get(ctx)
+	goalPct := 40.0
+	if settings != nil {
+		goalPct = settings.SavingsGoalPct
+	}
+
 	return &model.DashboardData{
 		Month:                   month,
 		TotalIncome:             income,
 		TotalExpenses:           expenses,
 		SavingsPct:              savingsPct,
+		SavingsGoalPct:          goalPct,
 		TotalPatrimony:          patrimony,
 		ByCategory:              byCategory,
 		MonthlyEvolution:        evolution,

apps/api/internal/service/dashboard_test.go

@@ -61,12 +61,22 @@ func (m *mockPendingBillRepo) GetByID(_ context.Context, _ int) (*model.PendingB
 }
 func (m *mockPendingBillRepo) Delete(_ context.Context, _ int) error { return nil }
 
+type mockSettingsRepo struct{}
+
+func (m *mockSettingsRepo) Get(_ context.Context) (*model.UserSettings, error) {
+	return &model.UserSettings{SavingsGoalPct: 40}, nil
+}
+func (m *mockSettingsRepo) Upsert(_ context.Context, s model.UserSettings) (*model.UserSettings, error) {
+	return &s, nil
+}
+
 func newDashboardSvc(income, expenses float64) *service.DashboardService {
 	repo := &mockAccountRepo{}
 	recurrSvc := service.NewRecurringService(newMockRecurring(nil), &mockTxRepo{})
 	billSvc := service.NewCreditBillService(&mockCreditBillRepo{}, repo)
 	pendingBillSvc := service.NewPendingBillService(&mockPendingBillRepo{}, &mockImportTxRepo{})
-	return service.NewDashboardService(&mockDashboardRepo{income: income, expenses: expenses}, recurrSvc, &mockPatrimony{}, billSvc, pendingBillSvc)
+	settingsSvc := service.NewSettingsService(&mockSettingsRepo{})
+	return service.NewDashboardService(&mockDashboardRepo{income: income, expenses: expenses}, recurrSvc, &mockPatrimony{}, billSvc, pendingBillSvc, settingsSvc)
 }
 
 func TestDashboard_SavingsPct_40(t *testing.T) {

apps/api/internal/service/game.go

@@ -165,9 +165,13 @@ func (s *GameService) NotifyAction(ctx context.Context, action string, extra map
 
 	case "savings_checked":
 		pct, _ := extra["pct"].(float64)
+		goal, _ := extra["goal"].(float64)
+		if goal <= 0 {
+			goal = 40
+		}
 		_ = s.repo.UpdateQuestPct(ctx, monthlyPeriod, pct)
-		if pct >= 40 {
-			_, _ = s.AwardXP(ctx, "savings_goal_met", 200, "Meta de 40% atingida!")
+		if pct >= goal {
+			_, _ = s.AwardXP(ctx, "savings_goal_met", 200, "Meta de poupança atingida!")
 			s.tryUnlockAchievement(ctx, "first_40pct")
 		}
 	}

apps/api/internal/service/settings.go

@@ -0,0 +1,30 @@
+package service
+
+import (
+	"context"
+	"errors"
+
+	"financeiro-carvalho/internal/model"
+	"financeiro-carvalho/internal/repository"
+)
+
+var ErrInvalidSavingsGoal = errors.New("savings_goal_pct must be between 1 and 100")
+
+type SettingsService struct {
+	repo repository.SettingsRepository
+}
+
+func NewSettingsService(repo repository.SettingsRepository) *SettingsService {
+	return &SettingsService{repo: repo}
+}
+
+func (s *SettingsService) Get(ctx context.Context) (*model.UserSettings, error) {
+	return s.repo.Get(ctx)
+}
+
+func (s *SettingsService) Update(ctx context.Context, in model.UserSettings) (*model.UserSettings, error) {
+	if in.SavingsGoalPct < 1 || in.SavingsGoalPct > 100 {
+		return nil, ErrInvalidSavingsGoal
+	}
+	return s.repo.Upsert(ctx, in)
+}