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/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)
+}