Data integrity (A):
- "Apply … to my budget" overwrote the bill's expected_amount (its real
recurring amount, used in budgets + payment recording) with the simulated
payoff payment. Replace with "Save APR to this bill" — persists interest_rate,
leaves expected_amount untouched. Fixes the corruption AND the interest-free
root cause (future runs use the saved APR). BillModal debt section also opens
when a bill has an interest_rate.
Error handling (B):
- Undo now has try/catch + error toast (was an unhandled rejection that left the
wrong value applied); Apply uses errMessage.
- loadData no longer snaps the selection back to the first bill after a
save/undo (was a stale-closure over selectedId); background refreshes are
"silent" so a transient failure no longer replaces the whole page.
Makes-sense (C):
- Distinguish "no APR" from a real 0% and show a notice (was silently interest-
free with no indication).
- Without a real minimum, show absolute Time-to-Payoff + Total Interest instead
of a broken "$0 savings" / "~580 mo sooner".
- Remove the arbitrary, mislabeled "Snowball plan" line (was extra applied only
to the alphabetically-first bill) from the page + chart.
- Detect the 600-month cap (incl. 0% tiny payment) as "won't pay off".
- Correct the "set a minimum on the Snowball page" guidance (no such editor).
Clarity (D):
- Plain-language toasts on every write; targeted HelpCircle tooltips (Interest/
Time Savings, Total Interest, Required Minimum, APR, Save-APR); a clearer page
description; states that explain why + what to do.
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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