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,