1.6.0 #6+#7: proyección/ETA de objetivos + insights inteligentes

Goal ETA (#6): GoalProjection engine (CAGR mensual robusto de la evolución + aportaciones, proyecta mes a mes → fecha estimada, estado ahead/on-track/behind/ unreachable, sparkline). GoalsView muestra 'Projected: <mes>', chip de ritmo con color, fallback 'Add contributions to reach this'. GoalsViewModel.projection(for:) cacheado. Insights (#7): InsightsEngine rule-based on-device (sin red/AI). Reglas: allocation vs target, riesgo de concentración, mejor/peor categoría, diversificación, racha, YTD, ganancias, forecast, proximidad a milestone. Priorizados por tono, top 4. PortfolioInsight gana detail + tone. Surface en el Dashboard. Localización: 19 claves nuevas en los 7 idiomas. Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01L2p3gUZRNWW388rWFRjiU7
2026-07-25 12:22:12 +02:00
parent fd1094b4fc
commit 6887d05b01
14 changed files with 766 additions and 128 deletions
@@ -166,70 +166,62 @@ class GoalsViewModel: ObservableObject {
    }

    func estimateCompletionDate(for goal: Goal) -> Date? {
-        // Performance: Use cached completion date if available
-        if let cached = cachedCompletionDates[goal.id] {
+        projection(for: goal).projectedDate
+    }
+
+    /// Full forward projection for a goal, blending recent growth trend with the
+    /// monthly contributions of the relevant sources. Cached per goal.
+    func projection(for goal: Goal) -> GoalProjection.Result {
+        let sources = relevantSources(for: goal)
+        let currentValue = totalValue(for: goal)
+
+        guard !sources.isEmpty else {
+            let cached = GoalProjection.Result(
+                projectedDate: nil, monthsToReach: nil,
+                status: goal.targetDate == nil ? .noTargetDate : .unreachable,
+                monthlyGrowthRate: 0, sparkline: []
+            )
+            cachedCompletionDates[goal.id] = nil
            return cached
        }

-        let sources: [InvestmentSource]
+        let evolutionData = evolutionData(for: goal, sources: sources)
+        let rate = GoalProjection.monthlyGrowthRate(from: evolutionData)
+        let contribution = sources.reduce(Decimal.zero) {
+            $0 + ($1.monthlyContribution?.decimalValue ?? .zero)
+        }
+
+        let result = GoalProjection.project(
+            currentValue: currentValue,
+            targetAmount: goal.targetDecimal,
+            monthlyGrowthRate: rate,
+            monthlyContribution: contribution,
+            targetDate: goal.targetDate
+        )
+        cachedCompletionDates[goal.id] = result.projectedDate
+        return result
+    }
+
+    private func relevantSources(for goal: Goal) -> [InvestmentSource] {
        if let accountId = goal.account?.safeId {
-            sources = sourceRepository.sources.filter { $0.account?.id == accountId }
-        } else {
-            sources = sourceRepository.sources
+            return sourceRepository.sources.filter { $0.account?.id == accountId }
+        }
+        return sourceRepository.sources
+    }
+
+    private func evolutionData(
+        for goal: Goal,
+        sources: [InvestmentSource]
+    ) -> [(date: Date, value: Decimal)] {
+        let cacheKey = goal.account?.safeId ?? UUID(uuidString: "00000000-0000-0000-0000-000000000000")!
+        if let cached = cachedEvolutionData[cacheKey] {
+            return cached
        }
        let sourceIds = sources.compactMap { $0.id }
-        guard !sourceIds.isEmpty else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        // Performance: Use cached evolution data if available
-        let cacheKey = goal.account?.safeId ?? UUID(uuidString: "00000000-0000-0000-0000-000000000000")!
-        let evolutionData: [(date: Date, value: Decimal)]
-        if let cached = cachedEvolutionData[cacheKey] {
-            evolutionData = cached
-        } else {
-            let snapshots = snapshotRepository.fetchSnapshots(
-                for: sourceIds,
-                months: maxHistoryMonths
-            )
-            evolutionData = calculateEvolutionData(from: snapshots)
-            cachedEvolutionData[cacheKey] = evolutionData
-        }
-
-        guard evolutionData.count >= 3,
-              let first = evolutionData.suffix(6).first,
-              let last = evolutionData.suffix(6).last else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        let monthsBetween = max(1, first.date.monthsBetween(last.date))
-        let delta = last.value - first.value
-        guard delta > 0 else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        let monthlyGain = delta / Decimal(monthsBetween)
-        guard monthlyGain > 0 else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        let currentValue = totalValue(for: goal)
-        let remaining = goal.targetDecimal - currentValue
-        guard remaining > 0 else {
-            let result = Date()
-            cachedCompletionDates[goal.id] = result
-            return result
-        }
-
-        let months = NSDecimalNumber(decimal: remaining / monthlyGain).doubleValue
-        let monthsRounded = Int(ceil(months))
-        let result = Calendar.current.date(byAdding: .month, value: monthsRounded, to: last.date)
-        cachedCompletionDates[goal.id] = result
-        return result
+        let snapshots = snapshotRepository.fetchSnapshots(for: sourceIds, months: maxHistoryMonths)
+        let data = calculateEvolutionData(from: snapshots)
+        cachedEvolutionData[cacheKey] = data
+        return data
    }

    private func calculateEvolutionData(from snapshots: [Snapshot]) -> [(date: Date, value: Decimal)] {