provisions

2026-07-07 21:26:44 +02:00
parent d856d0a409
commit 20d6c9b7b0
12 changed files with 780 additions and 28 deletions
@@ -59,12 +59,18 @@ require __DIR__ . '/header.php';
                <span class="tab-icon">📊</span> 
                <span><?= tr('budget_tab_recap') ?></span>
            </a>
+
+            <a href="?tab=provisions" class="tab-item <?= $tab == 'provisions' ? 'active' : '' ?>">
+                <span class="tab-icon">🧮</span> 
+                <span><?= tr('budget_tab_provisions') ?></span>
+            </a>
+
        </nav>
    </div>

    <section class="pf-section">
    <?php 
-    $allowedTabs = ['recap', 'suivi', 'epargne', 'budget_prev'];
+    $allowedTabs = ['recap', 'suivi', 'epargne', 'budget_prev', 'provisions'];
    
    if (in_array($tab, $allowedTabs)) {
        $viewPath = __DIR__ . "/modules/budget/views/" . $tab . ".php";
@@ -172,6 +172,18 @@ CREATE TABLE IF NOT EXISTS pf_expenses (
  salary_id INT DEFAULT NULL -- 🔥 AJOUT : Lien vers le salaire configuré
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4;

+CREATE TABLE IF NOT EXISTS `pf_expected_expenses` (
+  `id` INT(11) NOT NULL AUTO_INCREMENT,
+  `title` VARCHAR(150) NOT NULL,
+  `amount` DECIMAL(10,2) NOT NULL DEFAULT 0.00,
+  `expected_date` DATE NOT NULL,
+  `is_paid` TINYINT(1) NOT NULL DEFAULT 0,
+  `created_at` DATETIME DEFAULT CURRENT_TIMESTAMP,
+  PRIMARY KEY (`id`),
+  INDEX `idx_expected_date` (`expected_date`),
+  INDEX `idx_is_paid` (`is_paid`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
 CREATE TABLE IF NOT EXISTS pf_alloc_categories (
  id INT AUTO_INCREMENT PRIMARY KEY,
  name VARCHAR(100) NOT NULL,
@@ -774,6 +774,27 @@ return [
    'bud_sav_sum_mode_title'       => 'Activar/Desactivar la calculadora',
    'bud_sav_selection'            => 'Selecció:',
    'bud_sav_ph_name'              => 'Nom del compte',
+
+
+    // --- Module Budget : Provisions & Optimisation ---
+'budget_provisions_title' => 'Provisions & Optimisation de Trésorerie',
+'btn_optimize_cashflow' => 'Optimiser mes Économies',
+'add_new_provision' => 'Anticiper une grosse dépense à venir',
+'provision_label' => 'Libellé de la dépense',
+'provision_placeholder_wood' => 'Ex: Commande de bois, Révision de l\'auto...',
+'amount' => 'Montant',
+'expected_date' => 'Date prévue',
+'btn_add' => 'Ajouter',
+'upcoming_provisions_list' => 'Dépenses prévues au calendrier',
+'optimization_assistant_title' => 'Assistant d\'Optimisation des Quinzaines',
+'error_generic' => 'Une erreur est survenue',
+'success_add_provision' => 'Dépense prévisionnelle ajoutée !',
+'no_provisions' => 'Aucune dépense prévisionnelle enregistrée pour le moment.',
+'btn_delete' => 'Supprimer',
+'savings_this_month' => 'Économies globales à placer ce mois-ci',
+'calculate' => 'Calculer la stratégie optimale',
+'date_past_warning' => 'La date sélectionnée est déjà passée !',
+'budget_tab_provisions' => 'Provisions',
    
    // JS & Errors
    'bud_sav_confirm_delete_month' => 'Estàs segur que vols suprimir totes les dades de %m per a %o?',
@@ -824,6 +824,26 @@ return [
    'bud_prev_target_ph'    => 'E.g., 150',
    'bud_prev_transfer_to'  => 'To',

+    // --- Module Budget : Provisions & Optimisation ---
+'budget_provisions_title' => 'Provisions & Cashflow Optimization',
+'btn_optimize_cashflow' => 'Optimize My Savings',
+'add_new_provision' => 'Anticipate an upcoming major expense',
+'provision_label' => 'Expense description',
+'provision_placeholder_wood' => 'E.g., Firewood order, Car service...',
+'amount' => 'Amount',
+'expected_date' => 'Expected date',
+'btn_add' => 'Add',
+'upcoming_provisions_list' => 'Scheduled expenses',
+'optimization_assistant_title' => 'Fortnightly Interest Optimization Assistant',
+'error_generic' => 'An error occurred',
+'success_add_provision' => 'Forecasted expense added successfully!',
+'no_provisions' => 'No forecasted expenses registered at the moment.',
+'btn_delete' => 'Delete',
+'savings_this_month' => 'Total savings to allocate this month',
+'calculate' => 'Calculate optimal strategy',
+'date_past_warning' => 'The selected date has already passed!',
+'budget_tab_provisions' => 'Forecasts', 
+
    // ==========================================
    // MODULE: GIFTS (gift-list)
    // ==========================================
@@ -771,6 +771,34 @@ return [
    'bud_sav_sum_mode_title'       => 'Activer/Désactiver la calculatrice',
    'bud_sav_selection'            => 'Sélection :',
    'bud_sav_ph_name'              => 'Nom du compte',
+
+
+        // --- BUDGET : PREVISION ---
+
+    'budget_provisions_title' => 'Provisions & Optimisation de Trésorerie',
+'btn_optimize_cashflow' => 'Optimiser mes Économies',
+'add_new_provision' => 'Anticiper une grosse dépense à venir',
+'provision_label' => 'Libellé de la dépense',
+'provision_placeholder_wood' => 'Ex: Commande bois de chauffage, Révision voiture...',
+'amount' => 'Montant',
+'expected_date' => 'Date prévue',
+'btn_add' => 'Ajouter',
+'upcoming_provisions_list' => 'Dépenses prévues au calendrier',
+'optimization_assistant_title' => 'Assistant d\'Optimisation des Quinzaines',
+'error_generic' => 'Une erreur est survenue',
+'success_add_provision' => 'Dépense prévisionnelle ajoutée !',
+'no_provisions' => 'Aucune dépense prévisionnelle enregistrée pour le moment.',
+'btn_delete' => 'Supprimer',
+'savings_this_month' => 'Économies globales à placer ce mois-ci',
+'calculate' => 'Calculer la stratégie optimale',
+'date_past_warning' => 'La date sélectionnée est déjà passée !',
+'budget_tab_provisions' => 'Provisions',
+'budget_opti_base' => 'Base',
+'budget_opti_debt' => 'Dette compensée',
+'budget_opti_no_config' => 'Aucune configuration de salaire trouvée pour cette année.',
+'budget_opti_recap_apports' => 'Résumé des apports (Clearing) :',
+'budget_opti_total_disp' => 'Total disponible pour l\'optimisation :',
+'budget_opti_must_pay' => 'doit verser',
    
    
    // JS & Erreurs
@@ -5,45 +5,87 @@ $db_host = getenv('DB_HOST') ?: '127.0.0.1';
 $db_user = getenv('DB_USER') ?: 'househub';
 $db_pass = getenv('DB_PASS') ?: 'househub_dev';

-echo "<h1>🗺️ Migration : Refonte Modèle Voyages</h1><ul>";
+echo "<h1>🗺️ Migrations HouseHub OS</h1><ul>";

 try {
+    // On récupère toutes les familles actives dans la base meta
    $stmt = $meta_pdo->query("SELECT db_name, name FROM families WHERE is_active = 1");
    $families = $stmt->fetchAll(PDO::FETCH_ASSOC);

    foreach ($families as $family) {
        $dbName = $family['db_name'];
+        echo "<li><strong>Famille : {$family['name']} ({$dbName})</strong><ul>";
+        
        try {
-            $pdo = new PDO("mysql:host=$db_host;dbname=$dbName;charset=utf8mb4", $db_user, $db_pass, [PDO::ATTR_ERRMODE => PDO::ERRMODE_EXCEPTION]);
+            // Connexion PDO spécifique à la base de la famille (Multi-tenant)
+            $pdo = new PDO("mysql:host=$db_host;dbname=$dbName;charset=utf8mb4", $db_user, $db_pass, [
+                PDO::ATTR_ERRMODE => PDO::ERRMODE_EXCEPTION
+            ]);
            
-            // 1. Mise à jour pf_holidays
-            $pdo->exec("ALTER TABLE pf_holidays ADD COLUMN return_step_id INT DEFAULT NULL");
-            
-            // 2. Mise à jour pf_holidays_items
-            $pdo->exec("ALTER TABLE pf_holidays_items ADD COLUMN step_type VARCHAR(20) DEFAULT 'stop'");
-            $pdo->exec("ALTER TABLE pf_holidays_items ADD COLUMN expense_context VARCHAR(20) DEFAULT NULL");
-            
-            // 3. Migration des données (is_return -> return_step_id)
-            // On cherche la première étape cochée "is_return" et on l'assigne au voyage
-            $pdo->exec("
-                UPDATE pf_holidays h 
-                SET return_step_id = (
-                    SELECT id FROM pf_holidays_items i 
-                    WHERE i.holiday_id = h.id AND i.is_return = 1 AND i.location_name IS NOT NULL 
-                    LIMIT 1
-                )
-            ");
-            
-            // 4. Nettoyage de l'ancienne colonne
-            $pdo->exec("ALTER TABLE pf_holidays_items DROP COLUMN is_return");
-            
-            echo "<li>✅ {$family['name']} : Schéma Voyages mis à jour !</li>";
+            // ─────────────────────────────────────────────────────────────
+            // ✈️ MIGRATION 1 : Refonte Modèle Voyages
+            // ─────────────────────────────────────────────────────────────
+            try {
+                $pdo->exec("ALTER TABLE pf_holidays ADD COLUMN return_step_id INT DEFAULT NULL");
+                $pdo->exec("ALTER TABLE pf_holidays_items ADD COLUMN step_type VARCHAR(20) DEFAULT 'stop'");
+                $pdo->exec("ALTER TABLE pf_holidays_items ADD COLUMN expense_context VARCHAR(20) DEFAULT NULL");
+                
+                // Migration des données
+                $pdo->exec("
+                    UPDATE pf_holidays h 
+                    SET return_step_id = (
+                        SELECT id FROM pf_holidays_items i 
+                        WHERE i.holiday_id = h.id AND i.is_return = 1 AND i.location_name IS NOT NULL 
+                        LIMIT 1
+                    )
+                ");
+                
+                // Nettoyage
+                $pdo->exec("ALTER TABLE pf_holidays_items DROP COLUMN is_return");
+                echo "<li>✅ Schéma Voyages mis à jour !</li>";
+                
+            } catch (\PDOException $e) {
+                // 1060 : Duplicate column name / 1091 : Can't drop column (already dropped)
+                if (in_array($e->errorInfo[1], [1060, 1091])) {
+                    echo "<li>⏳ Schéma Voyages déjà à jour. (Ignoré)</li>";
+                } else {
+                    echo "<li>⚠️ Erreur sur Voyages : " . $e->getMessage() . "</li>";
+                }
+            }
+
+            // ─────────────────────────────────────────────────────────────
+            // 💰 MIGRATION 2 : Provisions & Optimisation Trésorerie (Quinzaines)
+            // ─────────────────────────────────────────────────────────────
+            try {
+                $pdo->exec("
+                    CREATE TABLE IF NOT EXISTS `pf_expected_expenses` (
+                      `id` INT(11) NOT NULL AUTO_INCREMENT,
+                      `title` VARCHAR(150) NOT NULL,
+                      `amount` DECIMAL(10,2) NOT NULL DEFAULT 0.00,
+                      `expected_date` DATE NOT NULL,
+                      `is_paid` TINYINT(1) NOT NULL DEFAULT 0,
+                      `created_at` DATETIME DEFAULT CURRENT_TIMESTAMP,
+                      PRIMARY KEY (`id`),
+                      INDEX `idx_expected_date` (`expected_date`),
+                      INDEX `idx_is_paid` (`is_paid`)
+                    ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+                ");
+                echo "<li>✅ Table `pf_expected_expenses` (Provisions Budget) créée/vérifiée !</li>";
+                
+            } catch (\PDOException $e) {
+                echo "<li>⚠️ Erreur sur Provisions Budget : " . $e->getMessage() . "</li>";
+            }
+
        } catch (\PDOException $e) {
-            echo "<li>⚠️ {$family['name']} : " . $e->getMessage() . "</li>";
+            echo "<li>❌ Impossible de se connecter à la base de données : " . $e->getMessage() . "</li>";
        }
+        
+        echo "</ul></li><br>";
    }
-    echo "</ul><h2>🎉 Migration terminée !</h2>";
+    
+    echo "</ul><h2>🎉 Migrations terminées avec succès !</h2>";
+
 } catch (Exception $e) {
-    die("Erreur fatale : " . $e->getMessage());
+    die("Erreur fatale globale : " . $e->getMessage());
 }
 ?>
@@ -1798,3 +1798,121 @@ body.sum-mode-active .sum-target {
    padding: 12px 10px;
  }
 }
+
+/* ==========================================================================
+   14. PROVISIONS & OPTIMISATION (CASHFLOW)
+   ========================================================================== */
+
+/* Formulaire d'ajout */
+.provisions-form-grid {
+  display: grid;
+  grid-template-columns: 2fr 1fr 1fr auto;
+  gap: 15px;
+  align-items: end;
+}
+.provisions-form-grid .pf-form-group {
+  margin-bottom: 0;
+}
+.provisions-form-grid .pf-btn {
+  height: 42px;
+  margin: 0;
+}
+
+/* Tableau des provisions */
+.budget-table-card {
+  background: var(--bg-panel);
+  border-radius: 16px;
+  box-shadow: var(--shadow-sm);
+  border: 1px solid var(--border-light);
+  overflow: hidden;
+  margin-bottom: 30px;
+}
+.provisions-table th {
+  text-align: center;
+}
+.provisions-table th:first-child {
+  text-align: left;
+  padding-left: 15px;
+}
+.provisions-table th:last-child {
+  text-align: right;
+  padding-right: 15px;
+}
+.provisions-table td {
+  border-bottom: 1px solid var(--border-light);
+}
+.prov-title-cell {
+  font-weight: 500;
+  color: var(--text-main);
+  padding-left: 15px;
+}
+.prov-amount-cell {
+  color: #2563eb;
+  font-weight: bold;
+  text-align: center;
+}
+.prov-date-cell {
+  color: var(--text-muted);
+  text-align: center;
+}
+
+/* Modale d'optimisation */
+.provisions-modal-content {
+  max-width: 600px;
+  width: 95%;
+  max-height: 85vh;
+  overflow-y: auto;
+}
+.provision-person-card {
+  background: var(--bg-subtle);
+  padding: 10px;
+  border-radius: 8px;
+  border: 1px solid var(--border-light);
+  margin-bottom: 10px;
+}
+.provision-person-header {
+  display: flex;
+  justify-content: space-between;
+  margin-bottom: 6px;
+}
+.provision-input-group {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+}
+.input-amount-highlight {
+  font-weight: bold;
+  color: #2563eb !important;
+}
+.input-amount-success {
+  font-weight: bold;
+  color: var(--success) !important;
+  flex: 1;
+  margin: 0;
+}
+.currency-symbol {
+  font-weight: bold;
+  color: var(--text-muted);
+}
+.optimization-hint {
+  text-align: center;
+  color: var(--text-muted);
+  font-size: 0.9rem;
+  margin-top: 15px;
+}
+.pf-divider {
+  border: 0;
+  border-top: 1px solid var(--border-light);
+  margin: 20px 0;
+}
+.btn-block {
+  width: 100%;
+}
+
+/* --- RESPONSIVE --- */
+@media (max-width: 768px) {
+  .provisions-form-grid {
+    grid-template-columns: 1fr;
+    gap: 12px;
+  }
+}
@@ -0,0 +1,30 @@
+<?php
+header('Content-Type: application/json');
+// On charge l'authentification et l'init PDO de l'espace familial courant automatiquement via tes includes globaux
+require_once __DIR__ . '/../../../../includes/auth.php'; 
+require_once __DIR__ . '/../../../../includes/db.php';
+require_once __DIR__ . '/../../../../includes/i18n.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    echo json_encode(['success' => false, 'message' => 'Method not allowed']);
+    exit;
+}
+
+$title = trim($_POST['title'] ?? '');
+$amount = floatval($_POST['amount'] ?? 0);
+$expected_date = $_POST['expected_date'] ?? '';
+
+if (empty($title) || $amount <= 0 || empty($expected_date)) {
+    echo json_encode(['success' => false, 'message' => tr('error_generic')]);
+    exit;
+}
+
+try {
+    // Grâce au multi-tenant par BDD, $pdo pointe déjà sur la base de la famille connectée
+    $stmt = $pdo->prepare("INSERT INTO pf_expected_expenses (title, amount, expected_date) VALUES (?, ?, ?)");
+    $stmt->execute([$title, $amount, $expected_date]);
+
+    echo json_encode(['success' => true, 'message' => tr('success_add_provision')]);
+} catch (PDOException $e) {
+    echo json_encode(['success' => false, 'message' => 'Database error: ' . $e->getMessage()]);
+}
@@ -0,0 +1,19 @@
+<?php
+header('Content-Type: application/json');
+require_once __DIR__ . '/../../../../includes/auth.php';
+require_once __DIR__ . '/../../../../includes/db.php';
+
+$id = intval($_POST['id'] ?? 0);
+
+if (!$id) {
+    echo json_encode(['success' => false, 'message' => 'Invalid ID']);
+    exit;
+}
+
+try {
+    $stmt = $pdo->prepare("DELETE FROM pf_expected_expenses WHERE id = ?");
+    $stmt->execute([$id]);
+    echo json_encode(['success' => true]);
+} catch (PDOException $e) {
+    echo json_encode(['success' => false, 'message' => $e->getMessage()]);
+}
@@ -0,0 +1,35 @@
+<?php
+header('Content-Type: application/json');
+require_once __DIR__ . '/../../../../includes/auth.php';
+require_once __DIR__ . '/../../../../includes/db.php';
+require_once __DIR__ . '/../../../../includes/i18n.php';
+
+try {
+    // Récupérer les provisions non payées, classées par date
+    $stmt = $pdo->query("SELECT id, title, amount, expected_date FROM pf_expected_expenses WHERE is_paid = 0 ORDER BY expected_date ASC");
+    $provisions = $stmt->fetchAll(PDO::FETCH_ASSOC);
+
+    if (empty($provisions)) {
+        $html = '<p class="pf-text-muted">' . tr('no_provisions') . '</p>';
+    } else {
+        $html = '<table class="pf-table" style="width:100%; border-collapse: collapse;">';
+        $html .= '<thead style="border-bottom: 2px solid var(--border-color); text-align: left;">';
+        $html .= '<tr><th>' . tr('provision_label') . '</th><th>' . tr('amount') . '</th><th>' . tr('expected_date') . '</th><th style="text-align:right;">Actions</th></tr>';
+        $html .= '</thead><tbody>';
+        
+        foreach ($provisions as $p) {
+            $dateFormated = date('d/m/Y', strtotime($p['expected_date']));
+            $html .= '<tr style="border-bottom: 1px solid var(--border-color); height: 45px;">';
+            $html .= '<td>' . htmlspecialchars($p['title']) . '</td>';
+            $html .= '<td>' . number_format($p['amount'], 2, ',', ' ') . ' €</td>';
+            $html .= '<td>' . $dateFormated . '</td>';
+            $html .= '<td style="text-align:right;"><button class="pf-btn pf-btn-danger btn-delete-provision" data-id="' . $p['id'] . '">' . tr('btn_delete') . '</button></td>';
+            $html .= '</tr>';
+        }
+        $html .= '</tbody></table>';
+    }
+
+    echo json_encode(['success' => true, 'html' => $html]);
+} catch (PDOException $e) {
+    echo json_encode(['success' => false, 'message' => $e->getMessage()]);
+}
@@ -0,0 +1,156 @@
+<?php
+header('Content-Type: application/json');
+require_once __DIR__ . '/../../../../includes/auth.php';
+require_once __DIR__ . '/../../../../includes/db.php';
+require_once __DIR__ . '/../../../../includes/i18n.php';
+
+$savings_inputs = $_POST['savings'] ?? [];
+$current_year = date('Y');
+$current_month = date('m');
+
+try {
+    // 1. Récupération des dépenses prévues
+    $stmtExpenses = $pdo->prepare("
+        SELECT title, amount, expected_date 
+        FROM pf_expected_expenses 
+        WHERE is_paid = 0 
+          AND YEAR(expected_date) = ? 
+          AND MONTH(expected_date) = ?
+        ORDER BY expected_date ASC
+    ");
+    $stmtExpenses->execute([$current_year, $current_month]);
+    $expenses = $stmtExpenses->fetchAll(PDO::FETCH_ASSOC);
+
+    $q1_expenses_total = 0;
+    $q2_expenses_total = 0;
+    
+    $detail_html = '<ul style="padding-left: 1.2rem; margin-bottom: 1rem; color: var(--text-muted); font-size:0.9rem;">';
+    foreach ($expenses as $e) {
+        $day = intval(date('d', strtotime($e['expected_date'])));
+        if ($day <= 15) {
+            $q1_expenses_total += $e['amount'];
+        } else {
+            $q2_expenses_total += $e['amount'];
+        }
+        $detail_html .= '<li>' . htmlspecialchars($e['title']) . ' (' . number_format($e['amount'], 2, ',', ' ') . ' € le ' . date('d/m', strtotime($e['expected_date'])) . ')</li>';
+    }
+    $detail_html .= '</ul>';
+
+    $total_expenses = $q1_expenses_total + $q2_expenses_total;
+
+    // 2. Récupération des dettes
+    $stmtDebts = $pdo->query("SELECT payer, SUM(amount) as total_debt FROM pf_advances WHERE is_resolved = 0 GROUP BY payer");
+    $debts = $stmtDebts->fetchAll(PDO::FETCH_KEY_PAIR);
+
+    // 3. NOUVELLE LOGIQUE : Clearing intelligent (Compensation partielle ou totale)
+    $total_base_inputs = array_sum(array_map('floatval', $savings_inputs));
+    $surplus_for_clearing = $total_base_inputs - $total_expenses;
+    $monthly_savings = 0; // Le vrai total qui sera viré après déduction des dettes
+    
+    $contributions_html = '<ul style="padding-left: 1.2rem; margin-bottom: 0.5rem; color: var(--text-main); font-size:0.9rem; line-height: 1.6;">';
+    
+    foreach ($savings_inputs as $person => $amount) {
+        $base_amount = floatval($amount);
+        $debt = $debts[$person] ?? 0;
+        
+        // Formatage bancaire propre pour les textes
+        $base_fmt = number_format($base_amount, 2, ',', ' ');
+        
+        if ($debt > 0) {
+            if ($surplus_for_clearing > 0) {
+                $compensation = min($debt, $base_amount, $surplus_for_clearing);
+                $net_amount = $base_amount - $compensation;
+                $surplus_for_clearing -= $compensation; 
+                $monthly_savings += $net_amount;
+                
+                $comp_fmt = number_format($compensation, 2, ',', ' ');
+                $net_fmt = number_format($net_amount, 2, ',', ' ');
+                
+                $reste_dette = $debt - $compensation;
+                $txt_reste = ($reste_dette > 0) 
+                    ? ' <span style="color:var(--danger); font-size:0.8rem; margin-left: 5px;">(Reste ' . number_format($reste_dette, 2, ',', ' ') . ' € de dette)</span>' 
+                    : ' <span style="color:var(--success); font-weight:bold; font-size:0.85rem; margin-left: 5px;">(Dette soldée 🎉)</span>';
+
+                // Harmonisation en bleu (#2563eb) pour le montant net à verser
+                $contributions_html .= '<li style="margin-bottom: 5px;"><strong>' . htmlspecialchars($person) . '</strong> : Base ' . $base_fmt . ' € − Remboursé ' . $comp_fmt . ' € = <strong style="color:#2563eb;">' . $net_fmt . ' € à verser</strong>' . $txt_reste . '</li>';
+            } else {
+                $monthly_savings += $base_amount;
+                $contributions_html .= '<li style="margin-bottom: 5px;"><strong>' . htmlspecialchars($person) . '</strong> : <strong style="color:#2563eb;">' . $base_fmt . ' € à verser</strong> <span style="color:var(--danger); font-size:0.8rem; margin-left: 5px;">(Dette gelée, liquidités insuffisantes)</span></li>';
+            }
+        } else {
+            $monthly_savings += $base_amount;
+            $contributions_html .= '<li style="margin-bottom: 5px;"><strong>' . htmlspecialchars($person) . '</strong> : <strong style="color:#2563eb;">' . $base_fmt . ' € à verser</strong></li>';
+        }
+    }
+    $contributions_html .= '</ul>';
+    $contributions_html .= '<p style="color: var(--text-main); font-weight: bold; margin-top:5px; font-size:0.95rem;">Total net atterrissant sur les comptes : ' . number_format($monthly_savings, 2, ',', ' ') . ' €</p>';
+
+    if(empty($expenses)) {
+        $detail_html = '<p style="color: var(--success); font-weight:bold; margin-bottom:1rem; font-size:0.9rem;">🎉 Aucune grosse dépense enregistrée sur ce mois.</p>';
+    }
+
+    // --- MOTEUR DE RÈGLES DES QUINZAINES (Remplacement des ** par <strong>) ---
+    $instructions = [];
+    $remaining_to_allocate = $monthly_savings;
+
+    // Règle 1 : Première quinzaine
+    if ($q1_expenses_total > 0) {
+        if ($remaining_to_allocate >= $q1_expenses_total) {
+            $remaining_to_allocate -= $q1_expenses_total;
+            $instructions[] = "💼 <strong>Dès le 1er</strong> : Laissez <strong>" . number_format($q1_expenses_total, 2, ',', ' ') . " €</strong> sur le compte commun pour honorer les dépenses de la 1ère quinzaine.";
+        } else {
+            $deficit = $q1_expenses_total - $remaining_to_allocate;
+            $remaining_to_allocate = 0;
+            $instructions[] = "💼 <strong>Dès le 1er</strong> : Gardez l'intégralité des apports sur le compte commun.";
+            $instructions[] = "⚠️ <strong>Retrait requis</strong> : Retirez <strong>" . number_format($deficit, 2, ',', ' ') . " €</strong> depuis le Livret A vers le commun pour couvrir la 1ère quinzaine.";
+        }
+    }
+
+    // Règle 2 : Deuxième quinzaine
+    if ($q2_expenses_total > 0) {
+        if ($remaining_to_allocate >= $q2_expenses_total) {
+            $remaining_to_allocate -= $q2_expenses_total;
+            $instructions[] = "📈 <strong>Dès le 1er</strong> : Placez <strong>" . number_format($q2_expenses_total, 2, ',', ' ') . " €</strong> sur le Livret A pour générer des intérêts sur la 1ère quinzaine.";
+            $instructions[] = "🔄 <strong>Le 16 du mois</strong> : Transférez ces <strong>" . number_format($q2_expenses_total, 2, ',', ' ') . " €</strong> sur le compte commun pour payer la dépense.";
+        } else {
+            if ($remaining_to_allocate > 0) {
+                $instructions[] = "📈 <strong>Dès le 1er</strong> : Placez le reste des apports (<strong>" . number_format($remaining_to_allocate, 2, ',', ' ') . " €</strong>) sur le Livret A.";
+                $instructions[] = "🔄 <strong>Le 16 du mois</strong> : Retirez <strong>" . number_format($q2_expenses_total, 2, ',', ' ') . " €</strong> global du Livret A pour payer la fin de mois.";
+                $remaining_to_allocate = 0;
+            } else {
+                $instructions[] = "🔄 <strong>Le 16 du mois</strong> : Retirez <strong>" . number_format($q2_expenses_total, 2, ',', ' ') . " €</strong> du Livret A vers le commun. <em>Ne le faites pas avant le 16 !</em>";
+            }
+        }
+    }
+
+    // Solde résiduel long terme
+    if ($remaining_to_allocate > 0) {
+        $instructions[] = "💰 <strong>Épargne stable</strong> : Placez les <strong>" . number_format($remaining_to_allocate, 2, ',', ' ') . " €</strong> restants sur votre Livret A dès le 1er.";
+    }
+
+    // --- CONSTITUTION DU RENDU HTML FINAL ---
+    $html = '<div style="border-top: 1px dashed var(--border-color); padding-top:0.8rem;">';
+    
+    // Titre de l'état du Clearing simplifié et clair
+    $html .= '<h4 style="margin:0 0 0.4rem 0; font-size:0.95rem;">🤝 Résumé des apports et remboursements internes :</h4>';
+    $html .= '<div style="background: var(--bg-main); padding: 8px; border-radius: 6px; margin-bottom: 1rem; border: 1px solid var(--border-color);">';
+    $html .= $contributions_html;
+    $html .= '</div>';
+
+    $html .= '<h4 style="margin:0 0 0.4rem 0; font-size:0.95rem;">Analyse des dépenses du mois :</h4>';
+    $html .= $detail_html;
+    
+    $html .= '<div style="background: var(--bg-main); padding: 8px; border-radius: 6px; border-left: 4px solid var(--accent-color);">';
+    $html .= '<h4 style="margin:0 0 0.5rem 0; color: var(--accent-color); font-size:0.95rem;">📋 Plan d\'action recommandé :</h4>';
+    
+    foreach ($instructions as $ins) {
+        $html .= '<p style="margin:0 0 0.4rem 0; font-size: 0.9rem; line-height: 1.4;">' . $ins . '</p>';
+    }
+    
+    $html .= '</div></div>';
+
+    echo json_encode(['success' => true, 'html' => $html]);
+
+} catch (PDOException $e) {
+    echo json_encode(['success' => false, 'message' => 'Calcul impossible : ' . $e->getMessage()]);
+}
@@ -0,0 +1,265 @@
+<?php
+// modules/budget/views/provisions.php
+
+// --- RÉCUPÉRATION DES DÉPENSES PRÉVUES (MULTI-TENANT PDO) ---
+$stmt = $pdo->query("SELECT id, title, amount, expected_date FROM pf_expected_expenses WHERE is_paid = 0 ORDER BY expected_date ASC");
+$provisions = $stmt->fetchAll(PDO::FETCH_ASSOC);
+
+// --- RÉCUPÉRATION DES APPORTS ET DETTES (CLEARING) ---
+$currentYear = date('Y');
+
+// 1. Apports de base (Eco Family) des parents configurés pour l'année
+$stmtConfig = $pdo->prepare("SELECT person, eco_family FROM pf_salary_config WHERE year = ?");
+$stmtConfig->execute([$currentYear]);
+$configs = $stmtConfig->fetchAll(PDO::FETCH_KEY_PAIR);
+
+// 2. Dettes non résolues par personne (issues des Avances & Tricount)
+$stmtDebts = $pdo->query("SELECT payer, SUM(amount) as total_debt FROM pf_advances WHERE is_resolved = 0 GROUP BY payer");
+$debts = $stmtDebts->fetchAll(PDO::FETCH_KEY_PAIR);
+
+function formatDate($dateString) {
+    if (!$dateString) return '';
+    return date('d/m/Y', strtotime($dateString));
+}
+?>
+
+<div class="budget-view">
+    <div class="view-header">
+        <h2><?= tr('budget_provisions_title') ?></h2>
+        
+        <button class="pf-btn pf-btn-primary" onclick="openOptimizeModal()">
+            ✨ <?= tr('btn_optimize_cashflow') ?>
+        </button>
+    </div>
+
+    <div class="pf-card">
+        <h3 class="pf-card-h2"><?= tr('add_new_provision') ?></h3>
+        
+        <form id="form-add-provision" data-action="/modules/budget/includes/api/add-provision.php">
+            <div class="provisions-form-grid">
+                
+                <div class="pf-form-group">
+                    <label class="pf-label" for="prov-title"><?= tr('provision_label') ?></label>
+                    <input type="text" id="prov-title" name="title" class="pf-input" placeholder="<?= tr('provision_placeholder_wood') ?>" required>
+                </div>
+                
+                <div class="pf-form-group">
+                    <label class="pf-label" for="prov-amount"><?= tr('amount') ?> (€)</label>
+                    <input type="number" id="prov-amount" name="amount" class="pf-input no-spinners input-amount-highlight" step="0.01" min="0.01" required>
+                </div>
+                
+                <div class="pf-form-group">
+                    <label class="pf-label" for="prov-date"><?= tr('expected_date') ?></label>
+                    <input type="date" id="prov-date" name="expected_date" class="pf-input" required>
+                </div>
+                
+                <button type="submit" class="pf-btn pf-btn-secondary">
+                    <?= tr('btn_add') ?>
+                </button>
+            </div>
+        </form>
+    </div>
+
+    <div class="budget-table-card table-responsive">
+        <?php if (empty($provisions)): ?>
+            <div class="optimization-hint" style="padding: 30px;">
+                <p><?= tr('no_provisions') ?></p>
+            </div>
+        <?php else: ?>
+            <table class="pf-table savings-table provisions-table">
+                <thead>
+                    <tr>
+                        <th><?= tr('provision_label') ?></th>
+                        <th style="width: 150px;"><?= tr('amount') ?></th>
+                        <th style="width: 150px;"><?= tr('expected_date') ?></th>
+                        <th style="width: 100px;"><?= tr('actions') ?></th>
+                    </tr>
+                </thead>
+                <tbody>
+                    <?php foreach ($provisions as $p): ?>
+                    <tr>
+                        <td class="prov-title-cell">
+                            <?= htmlspecialchars($p['title']) ?>
+                        </td>
+                        <td class="prov-amount-cell">
+                            <?= number_format($p['amount'], 2, ',', ' ') ?> €
+                        </td>
+                        <td class="prov-date-cell">
+                            <?= formatDate($p['expected_date']) ?>
+                        </td>
+                        <td class="text-right" style="padding-right: 15px;">
+                            <button class="btn-icon-action delete btn-safe-click" title="<?= tr('btn_delete') ?>" onclick="deleteProvision(<?= $p['id'] ?>)">
+                                🗑️
+                            </button>
+                        </td>
+                    </tr>
+                    <?php endforeach; ?>
+                </tbody>
+            </table>
+        <?php endif; ?>
+    </div>
+</div>
+
+<div id="optimizeModal" class="pf-modal">
+    <div class="pf-modal-content provisions-modal-content">
+        
+        <div class="pf-modal-header">
+            <h3 class="pf-modal-title">🧠 <?= tr('optimization_assistant_title') ?></h3>
+            <button type="button" class="pf-modal-close" onclick="closeOptimizeModal()">&times;</button>
+        </div>
+        
+        <form id="form-optimize" data-action="/modules/budget/includes/api/optimize-cashflow.php">
+            <div id="dynamic-savings-inputs">
+                <?php if (empty($configs)): ?>
+                    <p class="text-danger font-bold pf-muted-tiny"><?= tr('budget_opti_no_config') ?></p>
+                    <input type="number" step="0.01" min="0" name="savings[Global]" class="pf-input no-spinners" required>
+                <?php else: ?>
+                    <?php foreach ($configs as $person => $ecoBase): 
+                        $debt = $debts[$person] ?? 0;
+                    ?>
+                    <div class="pf-form-group provision-person-card">
+                        <label class="pf-label provision-person-header">
+                            <strong class="text-main"><?= htmlspecialchars($person) ?></strong>
+                            <span class="pf-muted-note">
+                                <?php if ($debt > 0): ?>
+                                    <span class="text-danger font-bold">(Dette en attente : <?= (float)$debt ?> €)</span>
+                                <?php endif; ?>
+                            </span>
+                        </label>
+                        <div class="provision-input-group">
+                            <input type="number" step="0.01" min="0" name="savings[<?= htmlspecialchars($person) ?>]" class="pf-input no-spinners input-amount-success" value="<?= (float)$ecoBase ?>" required>
+                            <span class="currency-symbol">€</span>
+                        </div>
+                    </div>
+                    <?php endforeach; ?>
+                <?php endif; ?>
+            </div>
+
+            <button type="submit" class="pf-btn pf-btn-primary btn-block">
+                <?= tr('calculate') ?>
+            </button>
+        </form>
+
+        <hr class="pf-divider">
+
+        <div id="optimization-results">
+            <p class="optimization-hint">
+                Vérifiez vos apports théoriques ci-dessus pour calculer la stratégie de répartition (Clearing automatique si aucune dépense).
+            </p>
+        </div>
+    </div>
+</div>
+
+<script>
+window.appLang = document.documentElement.lang === "ca" ? "ca-ES" : "fr-FR";
+window.I18N = {
+    ...(window.I18N || {}),
+    'btn_delete': <?= json_encode(tr('btn_delete')) ?>,
+    'error_generic': <?= json_encode(tr('error_generic')) ?>,
+    'bud_err_tech': <?= json_encode(tr('bud_err_tech')) ?>,
+    'bud_err_server': <?= json_encode(tr('bud_err_server')) ?>
+};
+
+// --- 2. GESTION DU FORMULAIRE D'AJOUT ---
+const formAdd = document.getElementById('form-add-provision');
+if (formAdd) {
+    formAdd.addEventListener('submit', async function(e) {
+        e.preventDefault();
+        const submitBtn = this.querySelector('button[type="submit"]');
+        const originalText = submitBtn.innerText;
+        submitBtn.innerText = '⏳';
+        submitBtn.disabled = true;
+
+        try {
+            const result = await pachaFetch(this.getAttribute('data-action'), {
+                method: 'POST',
+                body: new FormData(this)
+            });
+            
+            if (result.success) {
+                window.location.reload();
+            } else {
+                alert(result.message || window.I18N['error_generic']);
+                submitBtn.innerText = originalText;
+                submitBtn.disabled = false;
+            }
+        } catch (error) {
+            alert(window.I18N['bud_err_tech']);
+            submitBtn.innerText = originalText;
+            submitBtn.disabled = false;
+        }
+    });
+}
+
+// --- 3. GESTION DE LA SUPPRESSION ---
+async function deleteProvision(id) {
+    if (!confirm(window.I18N['btn_delete'] + ' ?')) return;
+    try {
+        const result = await pachaFetch('/modules/budget/includes/api/delete-provision.php', { 
+            method: "POST", 
+            body: new URLSearchParams({ id: id }) 
+        });
+        if (result.success) {
+            window.location.reload();
+        } else {
+            alert(result.message);
+        }
+    } catch(err) {
+        alert(window.I18N['bud_err_tech']);
+    }
+}
+
+// --- 4. CONTROL DE LA MODALE D'OPTIMISATION ---
+function openOptimizeModal() {
+    document.getElementById('optimization-results').innerHTML = `
+        <p class="optimization-hint">
+            Vérifiez vos apports théoriques ci-dessus pour calculer la stratégie de répartition (Clearing automatique si aucune dépense).
+        </p>`;
+    document.getElementById('optimizeModal').classList.add('open');
+    document.body.classList.add('no-scroll');
+}
+
+function closeOptimizeModal() {
+    document.getElementById('optimizeModal').classList.remove('open');
+    document.body.classList.remove('no-scroll');
+}
+
+window.onclick = function(event) {
+    const modal = document.getElementById('optimizeModal');
+    if (event.target == modal) {
+        closeOptimizeModal();
+    }
+}
+
+// --- 5. EXECUTION ET SUBMIT DE L'ALGORITHME (formOptimize) ---
+const formOptimize = document.getElementById('form-optimize');
+if (formOptimize) {
+    formOptimize.addEventListener('submit', async function(e) {
+        e.preventDefault();
+        
+        const resultsContainer = document.getElementById('optimization-results');
+        const submitBtn = this.querySelector('button[type="submit"]');
+        
+        submitBtn.disabled = true;
+        resultsContainer.innerHTML = '<div class="optimization-hint">⏳ Analyse des quinzaines bancaires...</div>';
+
+        try {
+            const result = await pachaFetch(this.getAttribute('data-action'), {
+                method: 'POST',
+                body: new FormData(this)
+            });
+
+            if (result.success) {
+                resultsContainer.innerHTML = result.html;
+            } else {
+                resultsContainer.innerHTML = `<p class="text-danger font-bold text-center">${result.message}</p>`;
+            }
+        } catch (error) {
+            console.error("Erreur d'optimisation :", error);
+            resultsContainer.innerHTML = `<p class="text-danger font-bold text-center">${window.I18N['bud_err_tech']}</p>`;
+        } finally {
+            submitBtn.disabled = false;
+        }
+    });
+}
+</script>