v0.5.0
Plan engine — the payday computation, backend only.
Scope:
- Plan entity: immutable payday snapshot (income + each account's reported current balance).
- Compute bucket fills from carried account reality + income.
- Compute the minimal inter-account transfer list.
- Fully testable via the API — no UI required.
Exit: POST a plan → correct fills + transfers, proven by tests.
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