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)
+	dashboardSvc := service.NewDashboardService(dashboardRepo, recurringSvc, accountRepo, creditBillSvc, pendingBillSvc, settingsSvc)
-	dashboardHandler := handler.NewDashboardHandler(dashboardSvc)
+	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 {
+func NewDashboardHandler(svc *service.DashboardService, gameSvc *service.GameService) *DashboardHandler {
-	return &DashboardHandler{svc: svc}
+	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 {
+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}
+	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 {
+		if pct >= goal {
-			_, _ = s.AwardXP(ctx, "savings_goal_met", 200, "Meta de 40% atingida!")
+			_, _ = 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)
+}

apps/web/src/stores/settings.ts

@@ -0,0 +1,40 @@
+import { defineStore } from 'pinia'
+import { ref } from 'vue'
+import { api } from '@/services/api'
+
+export interface UserSettings {
+  savings_goal_pct: number
+}
+
+export const useSettingsStore = defineStore('settings', () => {
+  const settings = ref<UserSettings>({ savings_goal_pct: 40 })
+  const loading = ref(false)
+  const error = ref<string | null>(null)
+
+  async function fetch() {
+    loading.value = true
+    error.value = null
+    try {
+      settings.value = await api.get<UserSettings>('/settings')
+    } catch (e: any) {
+      error.value = e.message
+    } finally {
+      loading.value = false
+    }
+  }
+
+  async function update(input: UserSettings) {
+    loading.value = true
+    error.value = null
+    try {
+      settings.value = await api.put<UserSettings>('/settings', input)
+    } catch (e: any) {
+      error.value = e.message
+      throw e
+    } finally {
+      loading.value = false
+    }
+  }
+
+  return { settings, loading, error, fetch, update }
+})

apps/web/src/views/HomeView.vue

@@ -53,8 +53,9 @@ const xpPct = computed(() => {
   if (!p) return 0
   return Math.round((p.xp / p.xp_to_next) * 100)
 })
-const savingsPct = computed(() => dash.data?.savings_pct ?? 0)
+const savingsPct  = computed(() => dash.data?.savings_pct ?? 0)
-const savingsOk  = computed(() => savingsPct.value >= 40)
+const savingsGoal = computed(() => dash.data?.savings_goal_pct ?? 40)
+const savingsOk   = computed(() => savingsPct.value >= savingsGoal.value)
 
 const today = new Date()
 const isCurrentMonth = computed(() => currentMonth.value === today.toISOString().slice(0, 7))
@@ -142,7 +143,7 @@ async function markLate(id: number) {
             </div>
             <XPBar :pct="savingsPct" size="lg" :success="savingsOk" :danger="!savingsOk" />
             <div class="hero-sub fc-mono">
-              META: 40% &nbsp;·&nbsp;
+              META: {{ savingsGoal.toFixed(0) }}% &nbsp;·&nbsp;
               <span :class="savingsOk ? 'fc-text-green' : 'fc-text-red'">
                 {{ savingsOk ? 'META BATIDA ✓' : 'ABAIXO DA META' }}
               </span>

apps/web/src/views/SettingsView.vue

@@ -1,11 +1,41 @@
 <script setup lang="ts">
-import { ref } from 'vue'
+import { ref, onMounted } from 'vue'
 import { useRouter } from 'vue-router'
 import { useAuthStore } from '@/stores/auth'
+import { useSettingsStore } from '@/stores/settings'
 import NeonPanel from '@/components/NeonPanel.vue'
 
 const router = useRouter()
 const auth = useAuthStore()
+const settingsStore = useSettingsStore()
+onMounted(() => settingsStore.fetch())
+
+const goalInput = ref<number>(40)
+const goalError = ref<string | null>(null)
+const goalSuccess = ref(false)
+const goalLoading = ref(false)
+
+// sync input after fetch
+import { watch } from 'vue'
+watch(() => settingsStore.settings.savings_goal_pct, (v) => { goalInput.value = v }, { immediate: true })
+
+async function saveGoal() {
+  goalError.value = null
+  goalSuccess.value = false
+  if (goalInput.value < 1 || goalInput.value > 100) {
+    goalError.value = 'Meta deve estar entre 1% e 100%'
+    return
+  }
+  goalLoading.value = true
+  try {
+    await settingsStore.update({ savings_goal_pct: goalInput.value })
+    goalSuccess.value = true
+  } catch (e: any) {
+    goalError.value = e.message ?? 'Erro ao salvar'
+  } finally {
+    goalLoading.value = false
+  }
+}
 
 const currentPassword = ref('')
 const newPassword = ref('')
@@ -57,6 +87,31 @@ async function logout() {
       <button class="fc-btn fc-btn--danger fc-settings-logout" @click="logout">SAIR</button>
     </NeonPanel>
 
+    <NeonPanel title="META DE POUPANÇA">
+      <form class="fc-settings-goal" @submit.prevent="saveGoal">
+        <div class="fc-settings-goal__row">
+          <label class="fc-label fc-pixel" style="font-size:9px">META MENSAL (%)</label>
+          <input
+            type="number"
+            v-model.number="goalInput"
+            min="1"
+            max="100"
+            step="1"
+            class="fc-input fc-settings-goal__input"
+            :disabled="goalLoading"
+          />
+          <button type="submit" class="fc-btn fc-btn--primary" :disabled="goalLoading">
+            {{ goalLoading ? '...' : 'SALVAR' }}
+          </button>
+        </div>
+        <p class="fc-settings-goal__hint fc-mono">
+          Conquistas e quests usam este valor como meta de poupança mensal.
+        </p>
+        <p v-if="goalError" class="fc-settings-goal__msg fc-settings-goal__msg--err fc-mono">{{ goalError }}</p>
+        <p v-if="goalSuccess" class="fc-settings-goal__msg fc-settings-goal__msg--ok fc-mono">Meta atualizada!</p>
+      </form>
+    </NeonPanel>
+
     <NeonPanel title="TROCAR SENHA">
       <form class="fc-settings-pw" @submit.prevent="changePassword">
         <input
@@ -134,4 +189,12 @@ async function logout() {
 }
 .fc-settings-pw__msg--err { color: var(--fc-red); }
 .fc-settings-pw__msg--ok  { color: var(--fc-green); }
+
+.fc-settings-goal { display: flex; flex-direction: column; gap: var(--fc-space-2); }
+.fc-settings-goal__row { display: flex; align-items: center; gap: var(--fc-space-3); }
+.fc-settings-goal__input { width: 80px; }
+.fc-settings-goal__hint { font-size: 10px; color: var(--fc-text-dim); margin: 0; }
+.fc-settings-goal__msg { font-size: 11px; margin: 0; }
+.fc-settings-goal__msg--err { color: var(--fc-red); }
+.fc-settings-goal__msg--ok  { color: var(--fc-green); }
 </style>