From 0392fc46906d5e8342c789bdcce9045f9d352479 Mon Sep 17 00:00:00 2001
From: Catherine Renelle <32781029+catrenelle@users.noreply.github.com>
Date: Sat, 14 Feb 2026 22:32:01 -0500
Subject: [PATCH] Use daily per-diem for payoff calculation and rename
 dashboard bills section
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Payoff quotes always use daily per-diem interest (rate/365 × days) regardless
of loan type. Rename "Upcoming Bills" to "Upcoming Transactions" on dashboard.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
---
 frontend/src/views/dashboard/DashboardView.vue | 4 ++--
 frontend/src/views/loans/LoansView.vue         | 9 ++-------
 2 files changed, 4 insertions(+), 9 deletions(-)

diff --git a/frontend/src/views/dashboard/DashboardView.vue b/frontend/src/views/dashboard/DashboardView.vue
index 7ae19cc..1923747 100644
--- a/frontend/src/views/dashboard/DashboardView.vue
+++ b/frontend/src/views/dashboard/DashboardView.vue
@@ -86,7 +86,7 @@
 
         <v-col cols="12" md="6">
           <v-card>
-            <v-card-title><v-icon class="mr-2">mdi-calendar-clock</v-icon>Upcoming Bills</v-card-title>
+            <v-card-title><v-icon class="mr-2">mdi-calendar-clock</v-icon>Upcoming Transactions</v-card-title>
             <v-list density="compact">
               <v-list-item v-for="bill in dashboard.upcomingBills" :key="bill.id">
                 <v-list-item-title>{{ bill.payeeName }}</v-list-item-title>
@@ -96,7 +96,7 @@
                 </template>
               </v-list-item>
               <v-list-item v-if="!dashboard.upcomingBills.length">
-                <v-list-item-title class="text-center text-medium-emphasis">No upcoming bills</v-list-item-title>
+                <v-list-item-title class="text-center text-medium-emphasis">No upcoming transactions</v-list-item-title>
               </v-list-item>
             </v-list>
           </v-card>
diff --git a/frontend/src/views/loans/LoansView.vue b/frontend/src/views/loans/LoansView.vue
index 4adc79b..e21ce33 100644
--- a/frontend/src/views/loans/LoansView.vue
+++ b/frontend/src/views/loans/LoansView.vue
@@ -291,13 +291,10 @@ const filteredSchedule = computed(() => {
   return loanDetail.value.amortizationSchedule.filter(e => e.paymentDate.split('T')[0] >= today)
 })
 
-const dailyAccrualTypes = ['AutoLoan', 'LineOfCredit']
 const payoffAmount = computed(() => {
   if (!loanDetail.value || !props.id) return null
   const balance = Math.abs(loanDetail.value.currentBalance)
   if (balance === 0) return 0
-  const account = accountsStore.accounts.find(a => a.id === props.id)
-  if (!account) return balance
   const rate = loanDetail.value.interestRate / 100
   const today = new Date()
   const todayStr = today.toISOString().split('T')[0]
@@ -308,10 +305,8 @@ const payoffAmount = computed(() => {
   const todayMidnight = new Date(todayStr + 'T00:00:00')
   const days = Math.round((todayMidnight.getTime() - lastDate.getTime()) / 86400000)
   if (days <= 0) return balance
-  const isDailyAccrual = dailyAccrualTypes.includes(account.type)
-  const accruedInterest = isDailyAccrual
-    ? balance * rate / 365 * days
-    : balance * rate / 12 * (days / 30)
+  // Payoff quotes always use daily per-diem interest regardless of loan type
+  const accruedInterest = balance * rate / 365 * days
   return balance + accruedInterest
 })