docs: Ledger Ausbaustufe 5 Tasks 1-8 + Plan-Haekchen

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

docs/superpowers/specs/2026-07-20-ausbaustufe-5-design.md

@@ -0,0 +1,157 @@
+# Design — Ausbaustufe 5: Deutsche Formate, Posten-Bearbeitung, Szenario-Ende (v0.6.0)
+
+> Status: vom Nutzer freigegeben (Chat 2026-07-20). Umsetzungsplan folgt unter
+> `docs/superpowers/plans/`. Datenschutz-Regel aus `CLAUDE.md` gilt: konkrete
+> Empfängernamen/Beträge des Demo-Szenarios stehen nur im Chat und in der
+> Live-Datenbank, nicht in diesem Dokument, nicht in Commits, nicht im Ledger.
+
+## Ziel
+
+Drei Nutzeranforderungen an die Web-GUI des Finanzberatungs-Tools:
+
+1. **Deutsche Formate** — Beträge werden deutsch angezeigt (`1.234,56 €`)
+   und deutsch eingegeben (Komma-Dezimaltrenner); englische GUI-Begriffe
+   (`monthly`, `annuity`, `percent`, …) werden übersetzt.
+2. **Wiederkehrende Posten** — Felder `Start`/`Ende` in der GUI sichtbar und
+   pflegbar (Modell/API/Engine können das bereits); jeder Posten bekommt
+   einen `Bearbeiten`-Button. Inline-Bearbeitung zusätzlich für
+   Einmalposten, Kredite und den Szenario-Kopf (Nutzerentscheidung).
+3. **Szenarien** — Modifikator-Art `Ende` (Posten endet innerhalb des
+   Szenarios an einem Datum, ohne den Posten selbst zu ändern) und
+   szenario-eigene Einmalzahlungen. Demo-Szenario „Best Case" wird nach dem
+   Release live angelegt und durchgerechnet.
+
+## Nutzerentscheidungen (Chat 2026-07-20)
+
+- Szenario-Ende als **neue Modifikator-Art `ende`** mit Datumsfeld (nicht
+  als Gültigkeitszeitraum aller Modifikatoren).
+- Einmalzahlung im Demo-Szenario ist **szenario-spezifisch** → neues Feature
+  „Szenario-Einmalzahlungen".
+- Formate: **Zahlen + deutsche Begriffe** (API-Werte bleiben englisch).
+- Bearbeiten-Buttons für: wiederkehrende Posten, Einmalposten, Kredite,
+  Szenario-Kopf.
+
+## Teil 1 — Deutsche Formate
+
+**Anzeige.** Neuer Jinja-Filter `eur` in `app/routers/gui.py`
+(`templates.env.filters["eur"]`), reine `Decimal`-Formatierung ohne
+`locale`-Modul (Container-Locale unzuverlässig): Vorzeichen, Tausenderpunkt,
+Komma, zwei Nachkommastellen. Ersetzt alle `'%.2f'|format(...)`-Stellen in
+`index.html`, `salden.html`, `transactions.html`, `planning.html`,
+`_preview_table.html`. Prozentwerte (Kredit-Zins) analog mit Komma.
+Der per JavaScript nachgeladene Tilgungsplan (`planning.html`,
+`loadLoanSchedule`) formatiert mit
+`toLocaleString('de-DE', {minimumFractionDigits: 2, maximumFractionDigits: 2})`.
+
+**Eingabe.** Die json-form-Extension in `base.html` lernt
+`data-type="amount"`: Whitespace/€ entfernen; enthält der Wert ein Komma →
+Tausenderpunkte entfernen, Komma→Punkt; ohne Komma bleibt der Wert
+unverändert (Punkt-Eingaben funktionieren weiter). Alle
+Betrags-`<input>`-Felder (Fixposten, Einmalposten, Kredit, Modifikator-Wert,
+Szenario-Einmalzahlung) bekommen `data-type="amount"` und deutsche
+Platzhalter (`-49,99`). Versteckte Felder der Vorschlags-Übernahme bleiben
+ohne `data-type="amount"` (Server liefert Punktformat). Die JSON-API bleibt
+strikt Punkt-Dezimal — Tests, Skripte und Grafana sind nicht betroffen.
+
+**Begriffe.** Zentrales Mapping als Jinja-Global `de_label` (Definition in
+`gui.py`): `monthly→monatlich`, `quarterly→vierteljährlich`,
+`yearly→jährlich`, `annuity→Annuität`, `bullet→endfällig`,
+`percent→Prozent`, `absolute→Absolut`, `remove→Entfällt`, `ende→Ende`.
+Dropdown-`<option>`-Texte und Tabellenzellen zeigen deutsche Labels;
+`value`-Attribute, API-Literale und DB-Werte bleiben englisch (keine
+Migration, keine API-Änderung). Unbekannte Werte fallen auf den Rohwert
+zurück.
+
+## Teil 2 — Posten-Bearbeitung + Start/Ende
+
+`RecurringItem.start_date/end_date` existieren in Modell, API
+(`RecurringIn`/`RecurringPatch`) und Engine (`recurrence.occurrences`
+klammert das Fenster bereits). Es fehlt nur GUI:
+
+- Tabelle „Wiederkehrende Posten": neue Spalten **Start** und **Ende**
+  (TT.MM.JJJJ, leer = „–").
+- Anlege-Formular: zwei optionale `<input type="date">`-Felder.
+- **Inline-Bearbeiten** je Zeile (Muster für alle vier Bereiche):
+  `Bearbeiten`-Button blendet eine vorbefüllte Formularzeile ein
+  (Anzeigezeile wird versteckt, nicht entfernt — UX-Regel aus `CLAUDE.md`
+  bleibt gewahrt: Bedienelemente sichtbar/disabled, Fehler via bestehendem
+  `htmx:responseError`-Handler), `Speichern` sendet `PATCH` über die
+  json-form-Extension, `Abbrechen` klappt zurück. Leeres Datumsfeld wird als
+  `null` gesendet (Extension tut das bereits) und löscht den Wert.
+- Bereiche: `PATCH /api/recurring/{id}` (alle Felder),
+  `PATCH /api/planned/{id}` (Name, Betrag, Fälligkeit, Kategorie),
+  `PATCH /api/loans/{id}` (alle Felder),
+  `PATCH /api/scenarios/{id}` (Name, Beschreibung, include-Flags).
+- Neue Validierung in `RecurringIn`/`RecurringPatch` (Pydantic
+  model_validator): `end_date ≥ start_date`, wenn beide gesetzt (beim PATCH
+  gegen den resultierenden Zustand geprüft), sonst 422 mit deutscher
+  Meldung.
+
+## Teil 3 — Szenarien: Art `ende` + Szenario-Einmalzahlungen
+
+Eine Alembic-Migration (`scenario_ende`) mit zwei Änderungen:
+
+1. `scenario_modifiers.end_date` — `Date`, nullable.
+2. Neue Tabelle `scenario_planned_items`: `id`, `scenario_id`
+   (FK `scenarios.id`), `name` (String 200), `amount` (`MONEY`), `due`
+   (`Date`).
+
+**Modifikator-Art `ende`.**
+
+- API: `ModifierIn.kind` um Literal `ende` erweitert; neues optionales Feld
+  `end_date: date | None`. Validator: `ende` erfordert `end_date`; andere
+  Arten ignorieren es (wird genullt). `ModifierOut` liefert `end_date` mit.
+- Engine: `PlainModifier` bekommt `end_date: date | None = None`.
+  `build_cashflows` bestimmt vor `occurrences` je Posten das effektive Ende:
+  Minimum aus eigenem `end_date` und allen treffenden `ende`-Modifikatoren
+  (Ziel `recurring` oder `category` — bei Kategorie enden alle Posten der
+  Kategorie). `_modified` behandelt weiterhin nur die Betrags-Arten und
+  überspringt `ende`.
+- GUI (`planning.html`): Art-Dropdown bekommt „Ende"; ein Datumsfeld wird
+  nur bei dieser Art aktiviert (disabled-Umschalter analog
+  `onModTargetTypeChange`), das Wert-Feld ist bei `ende` disabled.
+  Modifikator-Tabelle zeigt das Datum.
+
+**Szenario-Einmalzahlungen.**
+
+- Endpunkte in `routers/scenarios.py`:
+  `GET/POST /api/scenarios/{id}/planned` (201, Name/Betrag/Datum),
+  `DELETE /api/scenarios/{id}/planned/{item_id}` (404 bei fremder
+  scenario_id, Muster `delete_modifier`).
+- `run_projection` lädt `scenario_planned_items` des Szenarios und hängt sie
+  als `PlainPlanned` an — **unabhängig** von `include_planned` (das steuert
+  nur globale Einmalposten; szenario-eigene Zahlungen sind bewusst diesem
+  Szenario zugeordnet).
+- `delete_scenario` löscht zusätzlich `scenario_planned_items` (kein
+  DB-Cascade vorhanden, Muster der bestehenden Deletes).
+- GUI: je Szenario ein `<details>` „Einmalzahlungen in diesem Szenario"
+  (Tabelle Name/Betrag/Datum + Löschen, Anlege-Formular).
+
+## Teil 4 — Demo „Best Case", Release, Tests
+
+**Demo (live, nach Redeploy):** Szenario „Best Case" anlegen; für die beiden
+bestehenden Miet-Fixposten (falls nicht vorhanden: vorher anlegen bzw. aus
+Vorschlägen übernehmen) je einen `ende`-Modifikator mit den im Chat
+genannten Terminen setzen; szenario-eigene Einmalzahlung mit dem im Chat
+genannten Betrag/Datum anlegen; Projektion durchrechnen. Anschließend
+Schritt-für-Schritt-Erklärung der Eingabe im Chat. `hilfe.html` bekommt
+einen kurzen Abschnitt zu Szenario-Varianten (generisch, ohne echte Daten).
+
+**Release:** `finance/VERSION` → `0.6.0` vor `./create_pod_finance.sh`
+(Migration läuft im Entrypoint via `alembic upgrade head`).
+
+**Tests (TDD, Suite bleibt komplett grün):**
+
+- `eur`-Filter: Rundung, Tausenderpunkte, negative Werte, `Decimal`-Input.
+- Engine: `ende`-Modifikator (Ziel Posten/Kategorie, Zusammenspiel mit
+  eigenem `end_date`, Minimum-Regel), Szenario-Einmalzahlung im Fenster.
+- API: Modifier-Validierung (`ende` ohne Datum → 422), CRUD
+  Szenario-Einmalzahlungen, Cleanup bei `delete_scenario`,
+  `end ≥ start`-Validierung bei Fixposten.
+- GUI-Tests: deutsche Betragsformatierung in gerenderten Seiten, neue
+  Spalten/Formulare vorhanden, deutsche Labels statt englischer Rohwerte.
+- Migration: Upgrade-Pfad in Wegwerf-DB (Muster Konto-Anker-Task).
+
+**Außerhalb des Scopes:** Grafana-Dashboards (formatiert selbst),
+PDF/CSV-Parser (parsen deutsche Formate bereits), Übersetzung von
+API-Fehlertexten Dritter, Mehrsprachigkeit.

finance/VERSION

@@ -1 +1 @@
-0.5.0
+0.6.0

finance/alembic/versions/c4d7e2a91b53_szenario_ende.py

@@ -0,0 +1,37 @@
+"""szenario ende + scenario_planned_items
+
+Revision ID: c4d7e2a91b53
+Revises: 1ef6a356f028
+Create Date: 2026-07-20
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+revision: str = 'c4d7e2a91b53'
+down_revision: Union[str, Sequence[str], None] = '1ef6a356f028'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    op.add_column('scenario_modifiers', sa.Column('end_date', sa.Date(), nullable=True))
+    op.create_table(
+        'scenario_planned_items',
+        sa.Column('id', sa.Integer(), primary_key=True),
+        sa.Column('scenario_id', sa.Integer(), sa.ForeignKey('scenarios.id'), nullable=False),
+        sa.Column('name', sa.String(length=200), nullable=False),
+        sa.Column('amount', sa.Numeric(precision=12, scale=2), nullable=False),
+        sa.Column('due', sa.Date(), nullable=False),
+    )
+    op.create_index('ix_scenario_planned_items_scenario_id',
+                    'scenario_planned_items', ['scenario_id'])
+
+
+def downgrade() -> None:
+    op.drop_index('ix_scenario_planned_items_scenario_id', 'scenario_planned_items')
+    op.drop_table('scenario_planned_items')
+    op.drop_column('scenario_modifiers', 'end_date')

finance/app/engine/scenario.py

@@ -34,6 +34,7 @@ class PlainModifier:
     target_id: int
     kind: str
     value: Decimal
+    end_date: date | None = None
 
 
 def _modified(amount: Decimal, category_id: int | None, recurring_id: int | None,
@@ -55,6 +56,19 @@ def _modified(amount: Decimal, category_id: int | None, recurring_id: int | None
     return amount
 
 
+def _effective_end(r: PlainRecurring, modifiers: list[PlainModifier]) -> date | None:
+    """Fruehestes Ende aus eigenem end_date und allen treffenden ende-Modifikatoren."""
+    end = r.end_date
+    for m in modifiers:
+        if m.kind != "ende" or m.end_date is None:
+            continue
+        hit = ((m.target_type == "category" and r.category_id == m.target_id)
+               or (m.target_type == "recurring" and r.id == m.target_id))
+        if hit:
+            end = m.end_date if end is None else min(end, m.end_date)
+    return end
+
+
 def build_cashflows(recurring: list[PlainRecurring], planned: list[PlainPlanned],
                     loan_schedules: list[list[Installment]],
                     loan_payouts: list[tuple[date, Decimal]],
@@ -66,7 +80,7 @@ def build_cashflows(recurring: list[PlainRecurring], planned: list[PlainPlanned]
         if amount is None:
             continue
         for d in occurrences(r.rhythm, r.due_day, window_start, window_end,
-                             r.start_date, r.end_date):
+                             r.start_date, _effective_end(r, modifiers)):
             flows.append((d, amount))
     for p in planned:
         amount = _modified(p.amount, p.category_id, None, modifiers)

finance/app/formats.py

@@ -0,0 +1,30 @@
+"""Deutsche Anzeige-Formate fuer die GUI (Ausbaustufe 5).
+
+Bewusst ohne locale-Modul: Container-Locales sind nicht garantiert
+installiert, und die Ausgabe hinge sonst vom Host ab. Reine
+Decimal-Formatierung; die JSON-API bleibt Punkt-Dezimal.
+"""
+from decimal import Decimal, ROUND_HALF_UP
+
+DE_LABELS = {
+    "monthly": "monatlich",
+    "quarterly": "vierteljährlich",
+    "yearly": "jährlich",
+    "annuity": "Annuität",
+    "bullet": "endfällig",
+    "percent": "Prozent",
+    "absolute": "Absolut",
+    "remove": "Entfällt",
+    "ende": "Ende",
+}
+
+
+def eur(value) -> str:
+    """Decimal("-2474.5") -> "-2.474,50" (ohne Euro-Zeichen, das setzt das Template)."""
+    d = Decimal(str(value)).quantize(Decimal("0.01"), rounding=ROUND_HALF_UP)
+    s = f"{d:,.2f}"  # US-Trenner: "-2,474.50"
+    return s.replace(",", "\x00").replace(".", ",").replace("\x00", ".")
+
+
+def de_label(value: str) -> str:
+    return DE_LABELS.get(value, value)

finance/app/models/tables.py

@@ -123,6 +123,21 @@ class ScenarioModifier(Base):
     target_id: Mapped[int] = mapped_column(Integer)
     kind: Mapped[str] = mapped_column(String(20))
     value: Mapped[Decimal] = mapped_column(MONEY, default=Decimal("0"))
+    # Nur fuer kind="ende" gesetzt: Datum, an dem der Ziel-Posten innerhalb
+    # dieses Szenarios endet (Ausbaustufe 5).
+    end_date: Mapped[date | None] = mapped_column(Date, nullable=True)
+
+
+class ScenarioPlannedItem(Base):
+    """Einmalzahlung, die NUR in einem bestimmten Szenario zaehlt -
+    unabhaengig von Scenario.include_planned (das steuert nur die globalen
+    PlannedItems). Ausbaustufe 5."""
+    __tablename__ = "scenario_planned_items"
+    id: Mapped[int] = mapped_column(primary_key=True)
+    scenario_id: Mapped[int] = mapped_column(ForeignKey("scenarios.id"), index=True)
+    name: Mapped[str] = mapped_column(String(200))
+    amount: Mapped[Decimal] = mapped_column(MONEY)
+    due: Mapped[date] = mapped_column(Date)
 
 
 class ProjectionPoint(Base):

finance/app/routers/gui.py

@@ -10,9 +10,11 @@ from app.auth import COOKIE, session_valid
 from app.db import get_session
 from app.engine.loans import add_months
 from app.engine.recurrence import occurrences
+from app.formats import de_label, eur
 from app.models.tables import (Account, Category, PlannedItem,
                                ProjectionResult, RecurringItem,
-                               ScenarioLoan, ScenarioModifier, Transaction)
+                               ScenarioLoan, ScenarioModifier,
+                               ScenarioPlannedItem, Transaction)
 from app.routers.imports import list_imports as _list_imports
 from app.routers.imports import preview as _preview_import
 from app.routers.planning import list_loans as _list_loans
@@ -28,6 +30,8 @@ PAGE_SIZE = 50
 
 templates = Jinja2Templates(directory="app/templates")
 templates.env.globals["app_version"] = get_version()
+templates.env.filters["eur"] = eur
+templates.env.filters["de_label"] = de_label
 router = APIRouter()
 
 
@@ -261,10 +265,15 @@ def _scenario_rows(session: Session, scenarios: list, loans: list) -> list[dict]
         modifiers = session.execute(
             select(ScenarioModifier).where(ScenarioModifier.scenario_id == sc.id)
         ).scalars().all()
+        planned_items = session.execute(
+            select(ScenarioPlannedItem)
+            .where(ScenarioPlannedItem.scenario_id == sc.id)
+            .order_by(ScenarioPlannedItem.due)).scalars().all()
         rows.append({
             "scenario": sc,
             "assigned_loan_ids": assigned_loan_ids,
             "modifiers": modifiers,
+            "planned_items": planned_items,
             "result": session.get(ProjectionResult, sc.id),
         })
     return rows
@@ -293,5 +302,5 @@ def planung_page(request: Request, session: Session = Depends(get_session)):
         "scenario_rows": _scenario_rows(session, scenarios, loans),
         "rhythms": ["monthly", "quarterly", "yearly"],
         "repayment_types": ["annuity", "bullet"],
-        "modifier_kinds": ["percent", "absolute", "remove"],
+        "modifier_kinds": ["percent", "absolute", "remove", "ende"],
     })

finance/app/routers/planning.py

@@ -3,7 +3,7 @@ from decimal import Decimal
 from typing import Literal
 
 from fastapi import APIRouter, Depends, HTTPException
-from pydantic import BaseModel, ConfigDict, Field
+from pydantic import BaseModel, ConfigDict, Field, model_validator
 from sqlalchemy import delete, select
 from sqlalchemy.orm import Session
 
@@ -28,6 +28,13 @@ class RecurringIn(BaseModel):
     end_date: date | None = None
     category_id: int | None = None
 
+    @model_validator(mode="after")
+    def _ende_nicht_vor_start(self):
+        if (self.start_date is not None and self.end_date is not None
+                and self.end_date < self.start_date):
+            raise ValueError("Ende darf nicht vor Start liegen")
+        return self
+
 
 class RecurringOut(RecurringIn):
     model_config = ConfigDict(from_attributes=True)
@@ -90,6 +97,10 @@ def patch_recurring(item_id: int, data: RecurringPatch,
         _check_category(session, fields["category_id"])
     for key, value in fields.items():
         setattr(item, key, value)
+    if (item.start_date is not None and item.end_date is not None
+            and item.end_date < item.start_date):
+        session.rollback()
+        raise HTTPException(422, "Ende darf nicht vor Start liegen")
     session.commit()
     session.refresh(item)
     return RecurringOut.model_validate(item)

finance/app/routers/scenarios.py

@@ -3,7 +3,7 @@ from decimal import Decimal
 from typing import Literal
 
 from fastapi import APIRouter, Depends, HTTPException
-from pydantic import BaseModel, ConfigDict
+from pydantic import BaseModel, ConfigDict, field_validator, model_validator
 from sqlalchemy import delete, select
 from sqlalchemy.orm import Session
 
@@ -11,7 +11,8 @@ from app.auth import require_auth
 from app.config import get_settings
 from app.db import get_session
 from app.models.tables import (Loan, ProjectionPoint, ProjectionResult,
-                               Scenario, ScenarioLoan, ScenarioModifier)
+                               Scenario, ScenarioLoan, ScenarioModifier,
+                               ScenarioPlannedItem)
 from app.services.projection_service import run_projection
 
 router = APIRouter(prefix="/api/scenarios", tags=["scenarios"],
@@ -36,12 +37,26 @@ class ScenarioPatch(BaseModel):
     include_recurring: bool | None = None
     include_planned: bool | None = None
 
+    @field_validator("description")
+    @classmethod
+    def _leere_beschreibung(cls, v):
+        return "" if v is None else v
+
 
 class ModifierIn(BaseModel):
     target_type: Literal["category", "recurring"]
     target_id: int
-    kind: Literal["percent", "absolute", "remove"]
+    kind: Literal["percent", "absolute", "remove", "ende"]
     value: Decimal = Decimal("0")
+    end_date: date | None = None
+
+    @model_validator(mode="after")
+    def _ende_braucht_datum(self):
+        if self.kind == "ende" and self.end_date is None:
+            raise ValueError("Art »Ende« erfordert ein Datum")
+        if self.kind != "ende":
+            self.end_date = None
+        return self
 
 
 class ModifierOut(ModifierIn):
@@ -117,6 +132,8 @@ def delete_scenario(scenario_id: int, session: Session = Depends(get_session)):
         ScenarioLoan.scenario_id == scenario_id))
     session.execute(delete(ScenarioModifier).where(
         ScenarioModifier.scenario_id == scenario_id))
+    session.execute(delete(ScenarioPlannedItem).where(
+        ScenarioPlannedItem.scenario_id == scenario_id))
     session.delete(scenario)
     session.commit()
 
@@ -164,6 +181,50 @@ def delete_modifier(scenario_id: int, mod_id: int,
     session.commit()
 
 
+class ScenarioPlannedIn(BaseModel):
+    name: str
+    amount: Decimal
+    due: date
+
+
+class ScenarioPlannedOut(ScenarioPlannedIn):
+    model_config = ConfigDict(from_attributes=True)
+    id: int
+    scenario_id: int
+
+
+@router.get("/{scenario_id}/planned", response_model=list[ScenarioPlannedOut])
+def list_scenario_planned(scenario_id: int, session: Session = Depends(get_session)):
+    _get_scenario(session, scenario_id)
+    return [ScenarioPlannedOut.model_validate(p) for p in session.execute(
+        select(ScenarioPlannedItem)
+        .where(ScenarioPlannedItem.scenario_id == scenario_id)
+        .order_by(ScenarioPlannedItem.due)).scalars()]
+
+
+@router.post("/{scenario_id}/planned", response_model=ScenarioPlannedOut,
+             status_code=201)
+def add_scenario_planned(scenario_id: int, data: ScenarioPlannedIn,
+                         session: Session = Depends(get_session)):
+    _get_scenario(session, scenario_id)
+    item = ScenarioPlannedItem(scenario_id=scenario_id, **data.model_dump())
+    session.add(item)
+    session.commit()
+    session.refresh(item)
+    return ScenarioPlannedOut.model_validate(item)
+
+
+@router.delete("/{scenario_id}/planned/{item_id}", status_code=204)
+def delete_scenario_planned(scenario_id: int, item_id: int,
+                            session: Session = Depends(get_session)):
+    _get_scenario(session, scenario_id)
+    item = session.get(ScenarioPlannedItem, item_id)
+    if item is None or item.scenario_id != scenario_id:
+        raise HTTPException(404, "Einmalzahlung nicht gefunden")
+    session.delete(item)
+    session.commit()
+
+
 @router.post("/{scenario_id}/project", response_model=ProjectionOut)
 def project_scenario(scenario_id: int, horizon_days: int | None = None,
                      start_date: date | None = None,

finance/app/services/projection_service.py

@@ -12,7 +12,8 @@ from app.engine.scenario import (PlainModifier, PlainPlanned, PlainRecurring,
                                  build_cashflows)
 from app.models.tables import (Loan, PlannedItem, ProjectionPoint,
                                ProjectionResult, RecurringItem, Scenario,
-                               ScenarioLoan, ScenarioModifier)
+                               ScenarioLoan, ScenarioModifier,
+                               ScenarioPlannedItem)
 from app.services.balances import total_balance
 
 
@@ -28,6 +29,11 @@ def run_projection(session: Session, scenario: Scenario, horizon_days: int,
     if scenario.include_planned:
         planned = [PlainPlanned(p.name, Decimal(p.amount), p.due, p.category_id)
                    for p in session.execute(select(PlannedItem)).scalars()]
+    # Szenario-eigene Einmalzahlungen zaehlen IMMER fuer dieses Szenario -
+    # include_planned steuert nur die globalen PlannedItems.
+    planned += [PlainPlanned(p.name, Decimal(p.amount), p.due, None)
+                for p in session.execute(select(ScenarioPlannedItem).where(
+                    ScenarioPlannedItem.scenario_id == scenario.id)).scalars()]
     loans = session.execute(
         select(Loan).join(ScenarioLoan, ScenarioLoan.loan_id == Loan.id)
         .where(ScenarioLoan.scenario_id == scenario.id)).scalars().all()
@@ -35,7 +41,8 @@ def run_projection(session: Session, scenario: Scenario, horizon_days: int,
                                l.term_months, l.payout_date, l.repayment_type)
                  for l in loans]
     payouts = [(l.payout_date, Decimal(l.principal)) for l in loans]
-    modifiers = [PlainModifier(m.target_type, m.target_id, m.kind, Decimal(m.value))
+    modifiers = [PlainModifier(m.target_type, m.target_id, m.kind,
+                               Decimal(m.value), m.end_date)
                  for m in session.execute(select(ScenarioModifier).where(
                      ScenarioModifier.scenario_id == scenario.id)).scalars()]
     flows = build_cashflows(recurring, planned, schedules, payouts, modifiers,

finance/app/templates/_preview_table.html

@@ -8,7 +8,7 @@
       <td>{{ tx.booking_date.strftime('%d.%m.%Y') }}</td>
       <td>{{ tx.purpose }}</td>
       <td>{{ tx.counterparty }}</td>
-      <td class="{{ 'neg' if tx.amount < 0 else '' }}">{{ '%.2f'|format(tx.amount) }} €</td>
+      <td class="{{ 'neg' if tx.amount < 0 else '' }}">{{ tx.amount|eur }} €</td>
       <td>{% if tx.is_duplicate %}<span class="badge badge-warning">Duplikat</span>{% endif %}</td>
     </tr>
     {% else %}
@@ -25,7 +25,7 @@
   {% else %}
   <span class="badge badge-error">Saldo-Differenz – bitte prüfen</span>
   {% endif %}
-  · Eröffnungssaldo: {{ '%.2f'|format(statement.opening_balance) if statement.opening_balance is not none else '–' }} €
+  · Eröffnungssaldo: {{ statement.opening_balance|eur if statement.opening_balance is not none else '–' }} €
-  · Endsaldo: {{ '%.2f'|format(statement.closing_balance) if statement.closing_balance is not none else '–' }} €
+  · Endsaldo: {{ statement.closing_balance|eur if statement.closing_balance is not none else '–' }} €
   · Duplikate: {{ duplicates }}
 </p>

finance/app/templates/base.html

@@ -50,6 +50,14 @@
             out[k] = null;
           } else if (kind === 'int') {
             out[k] = parseInt(v, 10);
+          } else if (kind === 'amount') {
+            // Deutsche Betragseingabe: "1.234,56" -> "1234.56". Ohne Komma
+            // bleibt der Wert unveraendert (Punkt-Eingaben funktionieren weiter).
+            var s = String(v).replace(/[\s€]/g, '');
+            if (s.indexOf(',') !== -1) {
+              s = s.replace(/\./g, '').replace(',', '.');
+            }
+            out[k] = s;
           } else {
             out[k] = v;
           }

finance/app/templates/hilfe.html

@@ -70,6 +70,11 @@
     von Krediten und Modifikatoren (Kategorie oder Posten prozentual/absolut
     kürzen oder ganz streichen). "Durchrechnen" liefert: tiefster Kontostand
     mit Datum, erstes Datum unter 0 und unter der Warnschwelle.
+    Varianten wie „Best Case“ entstehen über Modifikatoren: Art „Ende“ lässt
+    einen wiederkehrenden Posten (z. B. eine auslaufende Miete) innerhalb des
+    Szenarios zu einem Datum enden, ohne den Posten selbst zu ändern; „Prozent“/
+    „Absolut“ kürzen Beträge; „Entfällt“ blendet sie ganz aus. Szenario-eigene
+    Einmalzahlungen (z. B. ein erwarteter Zufluss) zählen nur in ihrem Szenario.
   </li>
   <li>
     <strong>Grafana:</strong> Kontostand-Verläufe, Monatsausgaben nach

finance/app/templates/index.html

@@ -11,7 +11,7 @@
 {% endif %}
 
 <div class="total-balance {{ 'neg' if total < 0 else '' }}">
-  Gesamtsaldo: {{ '%.2f'|format(total) }} €
+  Gesamtsaldo: {{ total|eur }} €
 </div>
 
 <table>
@@ -26,10 +26,10 @@
     <tr>
       <td class="account">{{ account.name }}</td>
       <td>{{ account.bank }}</td>
-      <td class="{{ 'neg' if balance < 0 else '' }}">{{ '%.2f'|format(balance) }} €</td>
+      <td class="{{ 'neg' if balance < 0 else '' }}">{{ balance|eur }} €</td>
       <td>
         {% if account.anchor_date is not none and account.anchor_balance is not none %}
-          Anker: {{ '%.2f'|format(account.anchor_balance) }} € am {{ account.anchor_date.strftime('%d.%m.%Y') }}
+          Anker: {{ account.anchor_balance|eur }} € am {{ account.anchor_date.strftime('%d.%m.%Y') }}
         {% else %}
           kein Anker
         {% endif %}
@@ -46,8 +46,8 @@
               hx-swap="none" hx-on::after-request="if(event.detail.successful){window.location.reload()}">
           <input type="date" name="anchor_date"
                  value="{{ account.anchor_date.isoformat() if account.anchor_date is not none else '' }}" required>
-          <input type="text" name="anchor_balance" placeholder="500.00"
+          <input type="text" name="anchor_balance" data-type="amount" placeholder="500,00"
-                 value="{{ account.anchor_balance if account.anchor_balance is not none else '' }}" required>
+                 value="{{ account.anchor_balance|eur if account.anchor_balance is not none else '' }}" required>
           <button type="submit">Anker setzen</button>
         </form>
       </td>
@@ -68,7 +68,7 @@
     <tr>
       <td>{{ item.date.strftime('%d.%m.%Y') }}</td>
       <td>{{ item.name }}</td>
-      <td class="{{ 'neg' if item.amount < 0 else '' }}">{{ '%.2f'|format(item.amount) }} €</td>
+      <td class="{{ 'neg' if item.amount < 0 else '' }}">{{ item.amount|eur }} €</td>
     </tr>
     {% else %}
     <tr><td colspan="3">Keine anstehenden Posten.</td></tr>

finance/app/templates/planning.html

@@ -7,17 +7,20 @@
   <h2>Wiederkehrende Posten</h2>
   <table>
     <thead>
-      <tr><th>Name</th><th>Betrag</th><th>Rhythmus</th><th>Fälligkeitstag</th><th>Kategorie</th><th></th></tr>
+      <tr><th>Name</th><th>Betrag</th><th>Rhythmus</th><th>Fälligkeitstag</th><th>Start</th><th>Ende</th><th>Kategorie</th><th></th></tr>
     </thead>
     <tbody>
       {% for r in recurring %}
-      <tr>
+      <tr id="rec-row-{{ r.id }}">
         <td>{{ r.name }}</td>
-        <td class="{{ 'neg' if r.amount < 0 else '' }}">{{ '%.2f'|format(r.amount) }} €</td>
+        <td class="{{ 'neg' if r.amount < 0 else '' }}">{{ r.amount|eur }} €</td>
-        <td>{{ r.rhythm }}</td>
+        <td>{{ r.rhythm|de_label }}</td>
         <td>{{ r.due_day }}</td>
+        <td>{{ r.start_date.strftime('%d.%m.%Y') if r.start_date else '–' }}</td>
+        <td>{{ r.end_date.strftime('%d.%m.%Y') if r.end_date else '–' }}</td>
         <td>{{ category_names.get(r.category_id, '–') }}</td>
         <td>
+          <button type="button" onclick="toggleEdit('rec', {{ r.id }}, true)">Bearbeiten</button>
           <form class="inline-form" hx-delete="/api/recurring/{{ r.id }}" hx-swap="none"
                 hx-confirm="„{{ r.name }}“ wirklich löschen?"
                 hx-on::after-request="if(event.detail.successful){window.location.reload()}">
@@ -25,8 +28,33 @@
           </form>
         </td>
       </tr>
+      <tr id="rec-edit-{{ r.id }}" hidden>
+        <td colspan="8">
+          <form hx-ext="json-form" hx-patch="/api/recurring/{{ r.id }}" hx-swap="none"
+                hx-on::after-request="if(event.detail.successful){window.location.reload()}">
+            <label>Name <input type="text" name="name" value="{{ r.name }}" required></label>
+            <label>Betrag <input type="text" name="amount" data-type="amount" value="{{ r.amount|eur }}" required></label>
+            <label>Rhythmus
+              <select name="rhythm" data-type="str">
+                {% for rh in rhythms %}<option value="{{ rh }}" {% if rh == r.rhythm %}selected{% endif %}>{{ rh|de_label }}</option>{% endfor %}
+              </select>
+            </label>
+            <label>Fälligkeitstag <input type="number" name="due_day" data-type="int" min="1" max="31" value="{{ r.due_day }}" required></label>
+            <label>Start <input type="date" name="start_date" value="{{ r.start_date.isoformat() if r.start_date else '' }}"></label>
+            <label>Ende <input type="date" name="end_date" value="{{ r.end_date.isoformat() if r.end_date else '' }}"></label>
+            <label>Kategorie
+              <select name="category_id" data-type="int">
+                <option value="">–</option>
+                {% for c in categories %}<option value="{{ c.id }}" {% if c.id == r.category_id %}selected{% endif %}>{{ c.name }}</option>{% endfor %}
+              </select>
+            </label>
+            <button type="submit">Speichern</button>
+            <button type="button" onclick="toggleEdit('rec', {{ r.id }}, false)">Abbrechen</button>
+          </form>
+        </td>
+      </tr>
       {% else %}
-      <tr><td colspan="6">Noch keine wiederkehrenden Posten.</td></tr>
+      <tr><td colspan="8">Noch keine wiederkehrenden Posten.</td></tr>
       {% endfor %}
     </tbody>
   </table>
@@ -36,13 +64,15 @@
     <form hx-ext="json-form" hx-post="/api/recurring" hx-swap="none"
           hx-on::after-request="if(event.detail.successful){window.location.reload()}">
       <label>Name <input type="text" name="name" required></label>
-      <label>Betrag <input type="text" name="amount" placeholder="-49.99" required></label>
+      <label>Betrag <input type="text" name="amount" data-type="amount" placeholder="-49,99" required></label>
       <label>Rhythmus
         <select name="rhythm" data-type="str">
-          {% for rh in rhythms %}<option value="{{ rh }}">{{ rh }}</option>{% endfor %}
+          {% for rh in rhythms %}<option value="{{ rh }}">{{ rh|de_label }}</option>{% endfor %}
         </select>
       </label>
       <label>Fälligkeitstag <input type="number" name="due_day" data-type="int" min="1" max="31" required></label>
+      <label>Start (optional) <input type="date" name="start_date"></label>
+      <label>Ende (optional) <input type="date" name="end_date"></label>
       <label>Kategorie
         <select name="category_id" data-type="int">
           <option value="">–</option>
@@ -64,8 +94,8 @@
         {% for s in suggestions %}
         <tr>
           <td>{{ s.name }}</td>
-          <td class="{{ 'neg' if s.amount < 0 else '' }}">{{ '%.2f'|format(s.amount) }} €</td>
+          <td class="{{ 'neg' if s.amount < 0 else '' }}">{{ s.amount|eur }} €</td>
-          <td>{{ s.rhythm }}</td>
+          <td>{{ s.rhythm|de_label }}</td>
           <td>{{ s.due_day }}</td>
           <td>
             <form class="inline-form" hx-ext="json-form" hx-post="/api/recurring" hx-swap="none"
@@ -96,12 +126,13 @@
     </thead>
     <tbody>
       {% for p in planned %}
-      <tr>
+      <tr id="pln-row-{{ p.id }}">
         <td>{{ p.name }}</td>
-        <td class="{{ 'neg' if p.amount < 0 else '' }}">{{ '%.2f'|format(p.amount) }} €</td>
+        <td class="{{ 'neg' if p.amount < 0 else '' }}">{{ p.amount|eur }} €</td>
         <td>{{ p.due.strftime('%d.%m.%Y') }}</td>
         <td>{{ category_names.get(p.category_id, '–') }}</td>
         <td>
+          <button type="button" onclick="toggleEdit('pln', {{ p.id }}, true)">Bearbeiten</button>
           <form class="inline-form" hx-delete="/api/planned/{{ p.id }}" hx-swap="none"
                 hx-confirm="„{{ p.name }}“ wirklich löschen?"
                 hx-on::after-request="if(event.detail.successful){window.location.reload()}">
@@ -109,6 +140,24 @@
           </form>
         </td>
       </tr>
+      <tr id="pln-edit-{{ p.id }}" hidden>
+        <td colspan="5">
+          <form hx-ext="json-form" hx-patch="/api/planned/{{ p.id }}" hx-swap="none"
+                hx-on::after-request="if(event.detail.successful){window.location.reload()}">
+            <label>Name <input type="text" name="name" value="{{ p.name }}" required></label>
+            <label>Betrag <input type="text" name="amount" data-type="amount" value="{{ p.amount|eur }}" required></label>
+            <label>Fällig am <input type="date" name="due" value="{{ p.due.isoformat() }}" required></label>
+            <label>Kategorie
+              <select name="category_id" data-type="int">
+                <option value="">–</option>
+                {% for c in categories %}<option value="{{ c.id }}" {% if c.id == p.category_id %}selected{% endif %}>{{ c.name }}</option>{% endfor %}
+              </select>
+            </label>
+            <button type="submit">Speichern</button>
+            <button type="button" onclick="toggleEdit('pln', {{ p.id }}, false)">Abbrechen</button>
+          </form>
+        </td>
+      </tr>
       {% else %}
       <tr><td colspan="5">Noch keine Einmalposten.</td></tr>
       {% endfor %}
@@ -120,7 +169,7 @@
     <form hx-ext="json-form" hx-post="/api/planned" hx-swap="none"
           hx-on::after-request="if(event.detail.successful){window.location.reload()}">
       <label>Name <input type="text" name="name" required></label>
-      <label>Betrag <input type="text" name="amount" placeholder="-2000.00" required></label>
+      <label>Betrag <input type="text" name="amount" data-type="amount" placeholder="-2000,00" required></label>
       <label>Fällig am <input type="date" name="due" required></label>
       <label>Kategorie
         <select name="category_id" data-type="int">
@@ -141,14 +190,15 @@
     </thead>
     <tbody>
       {% for l in loans %}
-      <tr>
+      <tr id="loan-row-{{ l.id }}">
         <td>{{ l.name }}</td>
-        <td>{{ '%.2f'|format(l.principal) }} €</td>
+        <td>{{ l.principal|eur }} €</td>
-        <td>{{ '%.2f'|format(l.annual_rate_pct) }} %</td>
+        <td>{{ l.annual_rate_pct|eur }} %</td>
         <td>{{ l.term_months }} Monate</td>
         <td>{{ l.payout_date.strftime('%d.%m.%Y') }}</td>
-        <td>{{ l.repayment_type }}</td>
+        <td>{{ l.repayment_type|de_label }}</td>
         <td>
+          <button type="button" onclick="toggleEdit('loan', {{ l.id }}, true)">Bearbeiten</button>
           <form class="inline-form" hx-delete="/api/loans/{{ l.id }}" hx-swap="none"
                 hx-confirm="„{{ l.name }}“ wirklich löschen?"
                 hx-on::after-request="if(event.detail.successful){window.location.reload()}">
@@ -156,6 +206,27 @@
           </form>
         </td>
       </tr>
+      <!-- Hinweis: eine Kredit-Aenderung veraendert den Tilgungsplan; danach
+           muessen betroffene Szenarien neu durchgerechnet werden. -->
+      <tr id="loan-edit-{{ l.id }}" hidden>
+        <td colspan="7">
+          <form hx-ext="json-form" hx-patch="/api/loans/{{ l.id }}" hx-swap="none"
+                hx-on::after-request="if(event.detail.successful){window.location.reload()}">
+            <label>Name <input type="text" name="name" value="{{ l.name }}" required></label>
+            <label>Darlehenssumme <input type="text" name="principal" data-type="amount" value="{{ l.principal|eur }}" required></label>
+            <label>Zins p.a. (%) <input type="text" name="annual_rate_pct" data-type="amount" value="{{ l.annual_rate_pct|eur }}" required></label>
+            <label>Laufzeit (Monate) <input type="number" name="term_months" data-type="int" min="1" value="{{ l.term_months }}" required></label>
+            <label>Auszahlungsdatum <input type="date" name="payout_date" value="{{ l.payout_date.isoformat() }}" required></label>
+            <label>Tilgungsart
+              <select name="repayment_type" data-type="str">
+                {% for rt in repayment_types %}<option value="{{ rt }}" {% if rt == l.repayment_type %}selected{% endif %}>{{ rt|de_label }}</option>{% endfor %}
+              </select>
+            </label>
+            <button type="submit">Speichern</button>
+            <button type="button" onclick="toggleEdit('loan', {{ l.id }}, false)">Abbrechen</button>
+          </form>
+        </td>
+      </tr>
       <tr>
         <td colspan="7">
           <details ontoggle="if(this.open){loadLoanSchedule({{ l.id }})}">
@@ -175,13 +246,13 @@
     <form hx-ext="json-form" hx-post="/api/loans" hx-swap="none"
           hx-on::after-request="if(event.detail.successful){window.location.reload()}">
       <label>Name <input type="text" name="name" required></label>
-      <label>Darlehenssumme <input type="text" name="principal" placeholder="10000.00" required></label>
+      <label>Darlehenssumme <input type="text" name="principal" data-type="amount" placeholder="10000,00" required></label>
-      <label>Zins p.a. (%) <input type="text" name="annual_rate_pct" placeholder="4.5" required></label>
+      <label>Zins p.a. (%) <input type="text" name="annual_rate_pct" data-type="amount" placeholder="4,5" required></label>
       <label>Laufzeit (Monate) <input type="number" name="term_months" data-type="int" min="1" required></label>
       <label>Auszahlungsdatum <input type="date" name="payout_date" required></label>
       <label>Tilgungsart
         <select name="repayment_type" data-type="str">
-          {% for rt in repayment_types %}<option value="{{ rt }}">{{ rt }}</option>{% endfor %}
+          {% for rt in repayment_types %}<option value="{{ rt }}">{{ rt|de_label }}</option>{% endfor %}
         </select>
       </label>
       <button type="submit">Anlegen</button>
@@ -195,11 +266,23 @@
   {% set sc = row.scenario %}
   <fieldset>
     <legend>{{ sc.name }}</legend>
-    <p>
+    <p id="sc-row-{{ sc.id }}">
       {{ sc.description }}
       · Wiederkehrende Posten: {{ 'ja' if sc.include_recurring else 'nein' }}
       · Einmalposten: {{ 'ja' if sc.include_planned else 'nein' }}
+      <button type="button" onclick="toggleEdit('sc', {{ sc.id }}, true)">Bearbeiten</button>
     </p>
+    <div id="sc-edit-{{ sc.id }}" hidden>
+      <form hx-ext="json-form" hx-patch="/api/scenarios/{{ sc.id }}" hx-swap="none"
+            hx-on::after-request="if(event.detail.successful){window.location.reload()}">
+        <label>Name <input type="text" name="name" value="{{ sc.name }}" required></label>
+        <label>Beschreibung <input type="text" name="description" value="{{ sc.description }}"></label>
+        <label><input type="checkbox" name="include_recurring" data-type="bool" {% if sc.include_recurring %}checked{% endif %}> Wiederkehrende Posten einschließen</label>
+        <label><input type="checkbox" name="include_planned" data-type="bool" {% if sc.include_planned %}checked{% endif %}> Einmalposten einschließen</label>
+        <button type="submit">Speichern</button>
+        <button type="button" onclick="toggleEdit('sc', {{ sc.id }}, false)">Abbrechen</button>
+      </form>
+    </div>
 
     <details>
       <summary>Kredite zuordnen</summary>
@@ -227,8 +310,11 @@
               {% if m.target_type == "category" %}Kategorie: {{ category_names.get(m.target_id, m.target_id) }}
               {% else %}Posten: {{ recurring_names.get(m.target_id, m.target_id) }}{% endif %}
             </td>
-            <td>{{ m.kind }}</td>
+            <td>{{ m.kind|de_label }}</td>
-            <td>{{ '%.2f'|format(m.value) }}</td>
+            <td>
+              {% if m.kind == 'ende' %}{{ m.end_date.strftime('%d.%m.%Y') if m.end_date else '–' }}
+              {% else %}{{ m.value|eur }}{% endif %}
+            </td>
             <td>
               <form class="inline-form" hx-delete="/api/scenarios/{{ sc.id }}/modifiers/{{ m.id }}" hx-swap="none"
                     hx-on::after-request="if(event.detail.successful){window.location.reload()}">
@@ -265,15 +351,49 @@
           </label>
         </span>
         <label>Art
-          <select name="kind" data-type="str">
+          <select name="kind" data-type="str" onchange="onModKindChange(this)">
-            {% for k in modifier_kinds %}<option value="{{ k }}">{{ k }}</option>{% endfor %}
+            {% for k in modifier_kinds %}<option value="{{ k }}">{{ k|de_label }}</option>{% endfor %}
           </select>
         </label>
-        <label>Wert <input type="text" name="value" value="0"></label>
+        <label>Wert <input type="text" name="value" data-type="amount" value="0"></label>
+        <label>Endet am <input type="date" name="end_date" disabled></label>
         <button type="submit">Modifikator hinzufügen</button>
       </form>
     </details>
 
+    <details>
+      <summary>Einmalzahlungen in diesem Szenario</summary>
+      <table>
+        <thead><tr><th>Name</th><th>Betrag</th><th>Fällig am</th><th></th></tr></thead>
+        <tbody>
+          {% for sp in row.planned_items %}
+          <tr>
+            <td>{{ sp.name }}</td>
+            <td class="{{ 'neg' if sp.amount < 0 else '' }}">{{ sp.amount|eur }} €</td>
+            <td>{{ sp.due.strftime('%d.%m.%Y') }}</td>
+            <td>
+              <form class="inline-form" hx-delete="/api/scenarios/{{ sc.id }}/planned/{{ sp.id }}" hx-swap="none"
+                    hx-confirm="„{{ sp.name }}“ wirklich löschen?"
+                    hx-on::after-request="if(event.detail.successful){window.location.reload()}">
+                <button type="submit">Löschen</button>
+              </form>
+            </td>
+          </tr>
+          {% else %}
+          <tr><td colspan="4">Keine szenario-eigenen Einmalzahlungen.</td></tr>
+          {% endfor %}
+        </tbody>
+      </table>
+      <form hx-ext="json-form" hx-post="/api/scenarios/{{ sc.id }}/planned" hx-swap="none"
+            hx-on::after-request="if(event.detail.successful){window.location.reload()}">
+        <label>Name <input type="text" name="name" required></label>
+        <label>Betrag <input type="text" name="amount" data-type="amount" placeholder="5000,00" required></label>
+        <label>Fällig am <input type="date" name="due" required></label>
+        <button type="submit">Einmalzahlung hinzufügen</button>
+      </form>
+      <p class="hint">Zählt nur in diesem Szenario — unabhängig von „Einmalposten einschließen“.</p>
+    </details>
+
     <form hx-post="/api/scenarios/{{ sc.id }}/project" hx-swap="none"
           hx-on::after-request="if(event.detail.successful){window.location.reload()}">
       <button type="submit">Durchrechnen</button>
@@ -281,7 +401,7 @@
 
     {% if row.result %}
     <p>
-      Tiefpunkt: {{ '%.2f'|format(row.result.low_point_balance) }} € am {{ row.result.low_point_date.strftime('%d.%m.%Y') }}<br>
+      Tiefpunkt: {{ row.result.low_point_balance|eur }} € am {{ row.result.low_point_date.strftime('%d.%m.%Y') }}<br>
       {% if row.result.below_zero_date %}Unterschreitet 0 € ab {{ row.result.below_zero_date.strftime('%d.%m.%Y') }}<br>{% endif %}
       {% if row.result.below_threshold_date %}Unterschreitet Warnschwelle ab {{ row.result.below_threshold_date.strftime('%d.%m.%Y') }}<br>{% endif %}
       Kurven in <a href="http://{{ request.url.hostname or '127.0.0.1' }}:8097" target="_blank" rel="noopener">Grafana</a> ansehen.
@@ -311,6 +431,12 @@
   // json-form-Extension ist zentral in base.html registriert (eine
   // Definition fuer alle Templates, inkl. data-type="bool"-Handling).
 
+  function toggleEdit(prefix, id, editing) {
+    // UX-Regel: Zeilen werden versteckt (hidden), nie aus dem DOM entfernt.
+    document.getElementById(prefix + '-row-' + id).hidden = editing;
+    document.getElementById(prefix + '-edit-' + id).hidden = !editing;
+  }
+
   function onModTargetTypeChange(select) {
     var form = select.closest('form');
     var catSpan = form.querySelector('.mod-target-category');
@@ -324,6 +450,13 @@
     recSelect.disabled = isCategory;
   }
 
+  function onModKindChange(select) {
+    var form = select.closest('form');
+    var isEnde = select.value === 'ende';
+    form.querySelector('[name="end_date"]').disabled = !isEnde;
+    form.querySelector('[name="value"]').disabled = isEnde;
+  }
+
   function toggleScenarioLoan(scenarioId, loanId, checked, checkbox) {
     fetch('/api/scenarios/' + scenarioId + '/loans/' + loanId, { method: checked ? 'POST' : 'DELETE' })
       .then(function (resp) {
@@ -343,6 +476,9 @@
     var parts = iso.split('-');
     return parts[2] + '.' + parts[1] + '.' + parts[0];
   }
+  function fmtEur(n) {
+    return Number(n).toLocaleString('de-DE', {minimumFractionDigits: 2, maximumFractionDigits: 2});
+  }
   function loadLoanSchedule(loanId) {
     if (loadedSchedules[loanId]) return;
     loadedSchedules[loanId] = true;
@@ -353,10 +489,10 @@
           + '<th>Tilgung</th><th>Restschuld</th></tr></thead><tbody>';
         rows.forEach(function (r) {
           html += '<tr><td>' + formatIsoDate(r.due) + '</td>'
-            + '<td>' + Number(r.payment).toFixed(2) + ' €</td>'
+            + '<td>' + fmtEur(r.payment) + ' €</td>'
-            + '<td>' + Number(r.interest).toFixed(2) + ' €</td>'
+            + '<td>' + fmtEur(r.interest) + ' €</td>'
-            + '<td>' + Number(r.principal).toFixed(2) + ' €</td>'
+            + '<td>' + fmtEur(r.principal) + ' €</td>'
-            + '<td>' + Number(r.remaining).toFixed(2) + ' €</td></tr>';
+            + '<td>' + fmtEur(r.remaining) + ' €</td></tr>';
         });
         html += '</tbody></table>';
         document.getElementById('schedule-' + loanId).innerHTML = html;

finance/app/templates/salden.html

@@ -17,14 +17,14 @@
     {% for account, balance in balances %}
     <tr>
       <td class="account">{{ account.name }}</td>
-      <td class="amount {{ 'neg' if balance < 0 else '' }}">{{ '%.2f'|format(balance) }} €</td>
+      <td class="amount {{ 'neg' if balance < 0 else '' }}">{{ balance|eur }} €</td>
     </tr>
     {% else %}
     <tr><td colspan="2">Keine Konten angelegt.</td></tr>
     {% endfor %}
     <tr class="total-row">
       <td><strong>Gesamt</strong></td>
-      <td class="amount {{ 'neg' if total < 0 else '' }}"><strong>{{ '%.2f'|format(total) }} €</strong></td>
+      <td class="amount {{ 'neg' if total < 0 else '' }}"><strong>{{ total|eur }} €</strong></td>
     </tr>
   </tbody>
 </table>
@@ -48,9 +48,9 @@
     <tr data-month="{{ row['month'].isoformat() }}">
       <td>{{ row['month'].strftime('%m.%Y') }}</td>
       {% for account, value in row['values'] %}
-      <td class="amount {{ 'neg' if value < 0 else '' }}">{{ '%.2f'|format(value) }} €</td>
+      <td class="amount {{ 'neg' if value < 0 else '' }}">{{ value|eur }} €</td>
       {% endfor %}
-      <td class="amount {{ 'neg' if row['total'] < 0 else '' }}">{{ '%.2f'|format(row['total']) }} €</td>
+      <td class="amount {{ 'neg' if row['total'] < 0 else '' }}">{{ row['total']|eur }} €</td>
     </tr>
     {% else %}
     <tr><td colspan="{{ accounts|length + 2 }}">Keine bestätigten Buchungen vorhanden.</td></tr>

finance/app/templates/transactions.html

@@ -53,7 +53,7 @@
       <td class="account">{{ account_names.get(tx.account_id, tx.account_id) }}</td>
       <td>{{ tx.purpose }}</td>
       <td>{{ tx.counterparty }}</td>
-      <td class="amount {{ 'neg' if tx.amount < 0 else '' }}">{{ '%.2f'|format(tx.amount) }}</td>
+      <td class="amount {{ 'neg' if tx.amount < 0 else '' }}">{{ tx.amount|eur }}</td>
       <td>
         <select name="category_id" data-type="int" hx-ext="json-form"
                 hx-patch="/api/transactions/{{ tx.id }}" hx-trigger="change" hx-swap="none">

finance/tests/test_crud_api.py

@@ -186,3 +186,46 @@ def test_patch_transaction_category(client):
     r = client.patch(f"/api/transactions/{tx_id}", headers=H,
                      json={"category_id": 9999})
     assert r.status_code == 404
+
+
+def test_scenario_patch_beschreibung_leeren(client):
+    sc = client.post("/api/scenarios", headers=H, json={"name": "DescNull", "description": "x"}).json()
+    r = client.patch(f"/api/scenarios/{sc['id']}", headers=H, json={"description": None})
+    assert r.status_code == 200 and r.json()["description"] == ""
+
+
+def test_modifier_ende_validierung(client, db):
+    sc = client.post("/api/scenarios", headers=H, json={"name": "EndeVal"}).json()
+    # ende ohne Datum -> 422
+    r = client.post(f"/api/scenarios/{sc['id']}/modifiers", headers=H, json={
+        "target_type": "recurring", "target_id": 1, "kind": "ende"})
+    assert r.status_code == 422
+    # ende mit Datum -> 201, end_date in der Antwort
+    r = client.post(f"/api/scenarios/{sc['id']}/modifiers", headers=H, json={
+        "target_type": "recurring", "target_id": 1, "kind": "ende",
+        "end_date": "2026-08-31"})
+    assert r.status_code == 201
+    assert r.json()["end_date"] == "2026-08-31"
+    # andere Arten nullen end_date
+    r = client.post(f"/api/scenarios/{sc['id']}/modifiers", headers=H, json={
+        "target_type": "recurring", "target_id": 1, "kind": "remove",
+        "end_date": "2026-08-31"})
+    assert r.status_code == 201 and r.json()["end_date"] is None
+
+
+def test_scenario_planned_crud_und_cleanup(client, db):
+    sc = client.post("/api/scenarios", headers=H, json={"name": "SPI-CRUD"}).json()
+    r = client.post(f"/api/scenarios/{sc['id']}/planned", headers=H, json={
+        "name": "Sonderzahlung", "amount": "5000.00", "due": "2026-07-30"})
+    assert r.status_code == 201
+    item = r.json()
+    assert item["scenario_id"] == sc["id"] and item["amount"] == "5000.00"
+    assert client.get(f"/api/scenarios/{sc['id']}/planned", headers=H).json()[0]["name"] == "Sonderzahlung"
+    # DELETE mit fremder scenario_id -> 404
+    other = client.post("/api/scenarios", headers=H, json={"name": "SPI-Other"}).json()
+    assert client.delete(f"/api/scenarios/{other['id']}/planned/{item['id']}",
+                         headers=H).status_code == 404
+    # Szenario loeschen raeumt Einmalzahlungen mit ab (kein FK-Fehler):
+    assert client.delete(f"/api/scenarios/{sc['id']}", headers=H).status_code == 204
+    from app.models.tables import ScenarioPlannedItem
+    assert db.query(ScenarioPlannedItem).count() == 0

finance/tests/test_formats.py

@@ -0,0 +1,43 @@
+from decimal import Decimal
+
+from app.formats import DE_LABELS, de_label, eur
+
+
+def test_eur_basisformat():
+    assert eur(Decimal("2474.00")) == "2.474,00"
+
+
+def test_eur_negativ_mit_mehreren_tausenderpunkten():
+    assert eur(Decimal("-1234567.5")) == "-1.234.567,50"
+
+
+def test_eur_null_und_kleinbetraege():
+    assert eur(Decimal("0")) == "0,00"
+    assert eur(Decimal("-0.5")) == "-0,50"
+    assert eur(Decimal("999.99")) == "999,99"
+
+
+def test_eur_rundung_half_up():
+    assert eur(Decimal("1.005")) == "1,01"
+    assert eur(Decimal("-1.005")) == "-1,01"
+
+
+def test_eur_akzeptiert_strings_und_int():
+    # Templates reichen teils DB-Werte als str/int durch (z.B. Suggestions).
+    assert eur("1234.5") == "1.234,50"
+    assert eur(7) == "7,00"
+
+
+def test_de_label_bekannte_und_unbekannte_werte():
+    assert de_label("monthly") == "monatlich"
+    assert de_label("quarterly") == "vierteljährlich"
+    assert de_label("yearly") == "jährlich"
+    assert de_label("annuity") == "Annuität"
+    assert de_label("bullet") == "endfällig"
+    assert de_label("percent") == "Prozent"
+    assert de_label("absolute") == "Absolut"
+    assert de_label("remove") == "Entfällt"
+    assert de_label("ende") == "Ende"
+    assert de_label("weirdvalue") == "weirdvalue"
+    assert set(DE_LABELS) == {"monthly", "quarterly", "yearly", "annuity",
+                              "bullet", "percent", "absolute", "remove", "ende"}

finance/tests/test_gui.py

@@ -1,7 +1,9 @@
 from datetime import date, timedelta
 from decimal import Decimal
 
-from app.models.tables import Account
+from app.formats import eur
+from app.models.tables import (Account, Loan, PlannedItem, RecurringItem,
+                               Scenario, ScenarioModifier, ScenarioPlannedItem)
 
 H = {"Authorization": "Bearer test-key"}
 
@@ -34,7 +36,7 @@ def test_index_shows_account_anchor(client, db):
 
     r = client.get("/")
     assert r.status_code == 200
-    assert "Anker: 321.00" in r.text
+    assert "Anker: 321,00" in r.text
     assert "30.06.2026" in r.text
     assert "kein Anker" in r.text
     # Inline-Pflegeformular fuer den Anker muss je Konto vorhanden sein.
@@ -42,6 +44,45 @@ def test_index_shows_account_anchor(client, db):
     assert 'name="anchor_balance"' in r.text
 
 
+def test_gui_zeigt_deutsche_betragsformate(client, db):
+    client.post("/login", data={"username": "admin", "password": "geheim"})
+    acc = Account(bank="dkb", iban="DE-FMT-1", name="Formatkonto", type="giro")
+    db.add(acc)
+    db.flush()
+    acc.anchor_date = date(2026, 6, 30)
+    acc.anchor_balance = Decimal("12345.60")
+    db.commit()
+    r = client.get("/")
+    assert "12.345,60" in r.text
+    assert "12345.60" not in r.text
+
+
+def test_planung_zeigt_deutsche_labels(client, db):
+    client.post("/login", data={"username": "admin", "password": "geheim"})
+    db.add(RecurringItem(name="Miete-Label-Test", amount=Decimal("-600.00"),
+                         rhythm="monthly", due_day=1))
+    db.commit()
+    r = client.get("/planung")
+    assert "monatlich" in r.text
+    assert "-600,00" in r.text
+
+
+def test_betragsfelder_haben_amount_typ_und_deutsche_platzhalter(client, db):
+    client.post("/login", data={"username": "admin", "password": "geheim"})
+    planung = client.get("/planung").text
+    # Fixposten-, Einmalposten-, Kredit-Formulare senden deutsche Eingaben:
+    assert planung.count('data-type="amount"') >= 4
+    assert '-49,99' in planung and '-2000,00' in planung
+    assert '-49.99' not in planung and '-2000.00' not in planung
+    # Anker-Formular wird nur je Konto gerendert - ohne Konto in der DB gaebe
+    # es keine Zeile mit dem Anker-Input (Template-Zweig "Keine Konten
+    # angelegt"), daher hier ein Konto anlegen wie in den Nachbartests.
+    db.add(Account(bank="dkb", iban="DE-AMT-1", name="Amount-Test", type="giro"))
+    db.commit()
+    index = client.get("/").text
+    assert 'placeholder="500,00"' in index
+
+
 def test_import_page_has_dropzone_and_list(client):
     client.post("/login", data={"username": "admin", "password": "geheim"})
     r = client.get("/import")
@@ -185,6 +226,18 @@ def test_planning_page_has_all_sections(client):
         assert heading in r.text
 
 
+def test_planung_fixposten_zeigt_start_und_ende(client, db):
+    client.post("/login", data={"username": "admin", "password": "geheim"})
+    db.add(RecurringItem(name="Befristet-GUI", amount=Decimal("-5.00"),
+                         rhythm="monthly", due_day=1,
+                         start_date=date(2026, 1, 1), end_date=date(2026, 12, 31)))
+    db.commit()
+    r = client.get("/planung").text
+    assert "<th>Start</th>" in r and "<th>Ende</th>" in r
+    assert "01.01.2026" in r and "31.12.2026" in r
+    assert 'name="start_date"' in r and 'name="end_date"' in r
+
+
 def test_planning_page_shows_empty_suggestions_hint(client):
     # UX-Regel: das "Vorschläge aus Buchungen"-Fieldset ist immer sichtbar,
     # auch ohne Daten - statt komplett zu verschwinden zeigt es einen Hinweis.
@@ -234,7 +287,7 @@ def test_salden_page_stichtag_and_month_overview(client, db):
     expected_stichtag = Decimal("1000.00") + Decimal("111.11") + Decimal("22.22")
     r = client.get(f"/salden?stichtag={stichtag.isoformat()}")
     assert r.status_code == 200
-    assert f"{expected_stichtag:.2f}" in r.text
+    assert eur(expected_stichtag) in r.text
 
     # Monatsuebersicht: genau 3 Monatszeilen (m2, m1, m0).
     assert r.text.count('data-month="') == 3
@@ -245,7 +298,7 @@ def test_salden_page_stichtag_and_month_overview(client, db):
     # m2), d.h. NACH Buchung 1 (in m2), aber VOR Buchung 2 (die faellt erst
     # in m1 selbst und darf den Monatsanfang nicht verfaelschen).
     expected_m1_start = Decimal("1000.00") + Decimal("111.11")
-    assert f"{expected_m1_start:.2f}" in r.text
+    assert eur(expected_m1_start) in r.text
 
 
 def test_salden_stichtag_garbage_falls_back_to_today(client):
@@ -257,6 +310,22 @@ def test_salden_stichtag_garbage_falls_back_to_today(client):
     assert date.today().strftime('%d.%m.%Y') in r.text
 
 
+def test_planung_hat_bearbeiten_formulare(client, db):
+    client.post("/login", data={"username": "admin", "password": "geheim"})
+    db.add(RecurringItem(name="EditR", amount=Decimal("-5.00"), rhythm="monthly", due_day=1))
+    db.add(PlannedItem(name="EditP", amount=Decimal("-7.00"), due=date(2026, 8, 1)))
+    db.add(Loan(name="EditL", principal=Decimal("1000.00"),
+                annual_rate_pct=Decimal("4.50"), term_months=12,
+                payout_date=date(2026, 8, 1), repayment_type="annuity"))
+    db.add(Scenario(name="EditS", description="d"))
+    db.commit()
+    r = client.get("/planung").text
+    assert r.count(">Bearbeiten</button>") >= 4
+    for fragment in ('hx-patch="/api/recurring/', 'hx-patch="/api/planned/',
+                     'hx-patch="/api/loans/', 'hx-patch="/api/scenarios/'):
+        assert fragment in r, fragment
+
+
 def test_salden_shows_ohne_anker_footnote(client, db):
     # UX-Regel: Konten ohne Anker sind immer sichtbar als relative Werte
     # gekennzeichnet, nicht stillschweigend wie geankerte Konten dargestellt.
@@ -268,3 +337,23 @@ def test_salden_shows_ohne_anker_footnote(client, db):
     r = client.get("/salden")
     assert r.status_code == 200
     assert "ohne Anker" in r.text and "relative Werte" in r.text
+
+
+def test_szenario_gui_ende_und_einmalzahlungen(client, db):
+    client.post("/login", data={"username": "admin", "password": "geheim"})
+    sc = Scenario(name="GUI-Ende", description="")
+    db.add(sc)
+    db.flush()
+    db.add(ScenarioModifier(scenario_id=sc.id, target_type="recurring",
+                            target_id=1, kind="ende", value=Decimal("0"),
+                            end_date=date(2026, 8, 31)))
+    db.add(ScenarioPlannedItem(scenario_id=sc.id, name="Zufluss-GUI",
+                               amount=Decimal("5000.00"), due=date(2026, 7, 30)))
+    db.commit()
+    r = client.get("/planung").text
+    assert 'value="ende"' in r                     # neue Art im Dropdown
+    assert 'name="end_date"' in r                  # Datumsfeld im Modifikator-Formular
+    assert "31.08.2026" in r                       # ende-Modifikator zeigt Datum
+    assert "Einmalzahlungen in diesem Szenario" in r
+    assert "Zufluss-GUI" in r and "5.000,00" in r and "30.07.2026" in r
+    assert f'hx-post="/api/scenarios/{sc.id}/planned"' in r

finance/tests/test_models.py

@@ -22,3 +22,15 @@ def test_account_transaction_roundtrip(db):
     db.add(tx)
     db.commit()
     assert db.query(Transaction).one().amount == Decimal("-50.00")
+
+
+def test_scenario_planned_item_roundtrip(db):
+    from app.models.tables import Scenario, ScenarioPlannedItem
+    sc = Scenario(name="SPI-Test", description="")
+    db.add(sc)
+    db.flush()
+    db.add(ScenarioPlannedItem(scenario_id=sc.id, name="Einmalzahlung",
+                               amount=Decimal("5000.00"), due=date(2026, 7, 30)))
+    db.commit()
+    item = db.query(ScenarioPlannedItem).one()
+    assert item.amount == Decimal("5000.00") and item.scenario_id == sc.id

finance/tests/test_planning_api.py

@@ -34,6 +34,29 @@ def test_scenario_projection(client, db):
     assert len(body["series"]) == 92
 
 
+def test_projektion_mit_ende_modifier_und_szenario_einmalzahlung(client, db):
+    _seed_balance(db)
+    rec = client.post("/api/recurring", headers=H, json={
+        "name": "Miete-Proj", "amount": "-1000.00", "rhythm": "monthly",
+        "due_day": 1}).json()
+    sc = client.post("/api/scenarios", headers=H,
+                     json={"name": "BestCase-Test", "include_planned": False}).json()
+    client.post(f"/api/scenarios/{sc['id']}/modifiers", headers=H, json={
+        "target_type": "recurring", "target_id": rec["id"], "kind": "ende",
+        "end_date": "2026-08-31"})
+    client.post(f"/api/scenarios/{sc['id']}/planned", headers=H, json={
+        "name": "Zufluss", "amount": "5000.00", "due": "2026-07-30"})
+    r = client.post(f"/api/scenarios/{sc['id']}/project", headers=H,
+                    params={"horizon_days": 150, "start_date": "2026-07-15"})
+    assert r.status_code == 200
+    series = {p["day"]: Decimal(p["balance"]) for p in r.json()["series"]}
+    # Start 1000; +5000 am 30.07.; Miete nur noch am 01.08. (ende 31.08.);
+    # include_planned=False, aber die SZENARIO-Zahlung zaehlt trotzdem.
+    assert series["2026-07-30"] == Decimal("6000.00")
+    assert series["2026-08-01"] == Decimal("5000.00")
+    assert series["2026-12-01"] == Decimal("5000.00")  # keine Miete mehr ab Sept.
+
+
 def test_loan_in_scenario_keeps_balance_positive(client, db):
     _seed_balance(db)
     client.post("/api/recurring", headers=H, json={
@@ -87,6 +110,30 @@ def test_suggest_recurring_two_months_no_suggestion(db):
     assert suggest_recurring(db) == []
 
 
+def test_recurring_ende_vor_start_wird_abgelehnt(client):
+    r = client.post("/api/recurring", headers=H, json={
+        "name": "Falschrum", "amount": "-10.00", "rhythm": "monthly", "due_day": 1,
+        "start_date": "2026-10-01", "end_date": "2026-09-01"})
+    assert r.status_code == 422
+
+
+def test_recurring_start_ende_roundtrip_und_patch_validierung(client):
+    r = client.post("/api/recurring", headers=H, json={
+        "name": "Befristet", "amount": "-10.00", "rhythm": "monthly", "due_day": 1,
+        "start_date": "2026-01-01", "end_date": "2026-12-31"})
+    assert r.status_code == 201
+    item = r.json()
+    assert item["start_date"] == "2026-01-01" and item["end_date"] == "2026-12-31"
+    # PATCH, der Ende vor den (bestehenden) Start schieben will -> 422:
+    bad = client.patch(f"/api/recurring/{item['id']}", headers=H,
+                       json={"end_date": "2025-06-30"})
+    assert bad.status_code == 422
+    # Datum explizit loeschen (null) ist erlaubt:
+    ok = client.patch(f"/api/recurring/{item['id']}", headers=H,
+                      json={"end_date": None})
+    assert ok.status_code == 200 and ok.json()["end_date"] is None
+
+
 def test_suggest_recurring_excludes_existing_recurring_item(db):
     acc = Account(bank="dkb", iban="DE01", name="G", type="giro")
     db.add(acc)

finance/tests/test_scenario_engine.py

@@ -57,3 +57,51 @@ def test_absolute_modifier_clamps_to_zero():
                           kind="absolute", value=Decimal("300"))]
     flows = build_cashflows(rec, [], [], [], mods, date(2026, 8, 1), date(2026, 8, 31))
     assert flows == [(date(2026, 8, 10), Decimal("0.00"))]
+
+
+def test_ende_modifier_beendet_posten_im_szenario():
+    r = PlainRecurring(1, "Miete", Decimal("-2000.00"), "monthly", 1, None, None, None)
+    m = PlainModifier("recurring", 1, "ende", Decimal("0"), date(2026, 8, 31))
+    flows = build_cashflows([r], [], [], [], [m], date(2026, 7, 1), date(2026, 12, 31))
+    assert [d for d, _ in flows] == [date(2026, 7, 1), date(2026, 8, 1)]
+    assert all(a == Decimal("-2000.00") for _, a in flows)
+
+
+def test_ende_modifier_minimum_mit_eigenem_ende():
+    # Posten endet selbst am 15.10.; Szenario-Ende 31.08. ist frueher -> gewinnt.
+    r = PlainRecurring(1, "Miete", Decimal("-100.00"), "monthly", 1,
+                       None, date(2026, 10, 15), None)
+    m = PlainModifier("recurring", 1, "ende", Decimal("0"), date(2026, 8, 31))
+    flows = build_cashflows([r], [], [], [], [m], date(2026, 7, 1), date(2026, 12, 31))
+    assert [d for d, _ in flows] == [date(2026, 7, 1), date(2026, 8, 1)]
+    # Umgekehrt: Szenario-Ende NACH eigenem Ende aendert nichts.
+    m_spaet = PlainModifier("recurring", 1, "ende", Decimal("0"), date(2026, 12, 31))
+    flows2 = build_cashflows([r], [], [], [], [m_spaet], date(2026, 7, 1), date(2026, 12, 31))
+    assert [d for d, _ in flows2][-1] == date(2026, 10, 1)
+
+
+def test_ende_modifier_auf_kategorie_trifft_alle_posten_der_kategorie():
+    r1 = PlainRecurring(1, "Miete A", Decimal("-10.00"), "monthly", 1, None, None, 7)
+    r2 = PlainRecurring(2, "Miete B", Decimal("-20.00"), "monthly", 1, None, None, 7)
+    r3 = PlainRecurring(3, "Strom", Decimal("-5.00"), "monthly", 1, None, None, 9)
+    m = PlainModifier("category", 7, "ende", Decimal("0"), date(2026, 7, 31))
+    flows = build_cashflows([r1, r2, r3], [], [], [], [m],
+                            date(2026, 7, 1), date(2026, 9, 30))
+    betraege = sorted(a for _, a in flows)
+    # Miete A/B nur je 1x (Juli), Strom 3x (Juli-Sept).
+    assert betraege == [Decimal("-20.00"), Decimal("-10.00"),
+                        Decimal("-5.00"), Decimal("-5.00"), Decimal("-5.00")]
+
+
+def test_ende_modifier_ohne_datum_wirkt_nicht():
+    r = PlainRecurring(1, "Miete", Decimal("-10.00"), "monthly", 1, None, None, None)
+    m = PlainModifier("recurring", 1, "ende", Decimal("0"), None)
+    flows = build_cashflows([r], [], [], [], [m], date(2026, 7, 1), date(2026, 9, 30))
+    assert len(flows) == 3
+
+
+def test_ende_modifier_aendert_betraege_nicht():
+    r = PlainRecurring(1, "Miete", Decimal("-2000.00"), "monthly", 1, None, None, None)
+    m = PlainModifier("recurring", 1, "ende", Decimal("50"), date(2026, 12, 31))
+    flows = build_cashflows([r], [], [], [], [m], date(2026, 7, 1), date(2026, 8, 31))
+    assert all(a == Decimal("-2000.00") for _, a in flows)