B1: React Query deeper adoption (P1–P3) #86

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# Bill Tracker — Changelog
## v0.34.3
### 🚀 Features
- **Payoff Simulator**`/payoff` route with custom SVG chart. Select any debt, inputs auto-populate from bill rate/minimum/amount. Live-updating chart with 3 tracks: slate dashed (min-only), indigo dashed (snowball plan), amber solid (simulation). Stats cards show interest saved, time saved, total paid breakdown. "Apply to budget" pushes sim payment back to bill with undo support.
### 🔧 Changed
- **Bump**`0.34.2``0.34.3`
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## v0.34.2
### 🧹 Roadmap Audit

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{
"name": "bill-tracker",
"version": "0.34.2",
"version": "0.34.3",
"description": "Monthly bill tracking system",
"main": "server.js",
"scripts": {