Cash-Anfangswert (erste Lebensphase) editierbar

Neues Feld Plan.initialCash (additiv, Default 0). computePlan startet die erste Phase
mit diesem Cash-Bestand statt 0. In der Matrix ist die Cash-Zelle der ersten Phase
klickbar und oeffnet ein Popup zum Setzen des Anfangswerts (PATCH /api/plans/{id}).
Szenario-Kopie uebernimmt den Wert. Golden-Test ergaenzt.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

src/lib/calculations.test.ts

@@ -20,6 +20,7 @@ function plan(opts: {
   age: number;
   retirementAge: number;
   inflation?: number;
+  initialCash?: number;
   phases: { id: string; durationYears: number }[];
   elements: ReturnType<typeof el>[];
   household?: "SINGLE" | "COUPLE";
@@ -29,6 +30,7 @@ function plan(opts: {
     name: "T",
     householdType: opts.household ?? "SINGLE",
     inflationRateDefault: opts.inflation ?? 2,
+    initialCash: opts.initialCash ?? 0,
     persons: [{ id: "A", role: "PERSON_A", name: null, age: opts.age, retirementAge: opts.retirementAge }],
     phases: opts.phases.map((p, i) => ({ id: p.id, sequenceNumber: i + 1, name: p.id, durationYears: p.durationYears, inflationRate: null })),
     elements: opts.elements,
@@ -103,6 +105,22 @@ describe("V4 Golden Tests", () => {
     expect(ph.cashNegative).toBe(true);
   });
 
+  it("Cash-Anfangswert fliesst in die erste Phase ein", () => {
+    const p = plan({
+      age: 40,
+      retirementAge: 60,
+      initialCash: 50000,
+      phases: [{ id: "p1", durationYears: 3 }],
+      elements: [
+        el("INCOME", "PERSON_A", { p1: { amount: 100000, teuerungsausgleich: 0 } }),
+        el("EXPENSE", "HOUSEHOLD", { p1: { amount: 100000, teuerungsausgleich: 0 } }),
+      ],
+    });
+    const ph = computePlan(p).phases[0];
+    expect(ph.cashStart).toBe(50000);
+    expect(ph.cashEnd).toBe(50000); // Quote 0, keine Raten -> Cash unveraendert
+  });
+
   it("indexRate 0 -> Einkommen bleibt nominal flach", () => {
     const p = plan({
       age: 40,

src/lib/calculations.ts

@@ -124,7 +124,7 @@ export function computePlan(plan: PlanInput): PlanComputed {
   const result: PhaseComputed[] = [];
   let yearsBefore = 0;
   let cumulativeInflation = 1;
-  let cashCarryIn = 0;
+  let cashCarryIn = Math.round(plan.initialCash || 0);
   let ruinAge: number | null = null;
 
   for (let i = 0; i < phases.length; i++) {

src/lib/queries.ts

@@ -31,6 +31,7 @@ export function toPlanInput(plan: PlanWithRelations): PlanInput {
     name: plan.name,
     householdType: plan.householdType,
     inflationRateDefault: plan.inflationRateDefault,
+    initialCash: plan.initialCash,
     persons: plan.persons.map((p) => ({
       id: p.id,
       role: p.role,

src/lib/types.ts

@@ -42,6 +42,7 @@ export interface PlanInput {
   name: string;
   householdType: HouseholdType;
   inflationRateDefault: number;
+  initialCash: number; // Anfangswert des Cash-Kontos in der ersten Lebensphase
   persons: PersonInput[];
   phases: PhaseInput[];
   elements: ElementInput[];