Implement Phase 3: financial features frontend (budgets, scheduled transactions, loans)

Add API service files and replace stub views with full implementations:
- Budgets: month navigator, budget items table with progress bars, create/edit/delete
- Scheduled Transactions: data table with skip/post-now actions, add/edit dialog
- Loans: loan list, detail view with amortization schedule, payoff scenario calculator

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

frontend/src/services/budgets.ts

@@ -0,0 +1,19 @@
+import api from './api'
+import type { Budget, BudgetItem } from '@/types'
+
+export const budgetsApi = {
+  getByMonth: (year: number, month: number) =>
+    api.get<Budget>(`/budgets/${year}/${month}`),
+
+  create: (data: { year: number; month: number; notes?: string; items: { categoryId: string; budgetedAmount: number }[] }) =>
+    api.post<Budget>('/budgets', data),
+
+  update: (id: string, data: { notes?: string; items: { categoryId: string; budgetedAmount: number }[] }) =>
+    api.put<Budget>(`/budgets/${id}`, data),
+
+  delete: (id: string) =>
+    api.delete(`/budgets/${id}`),
+
+  getActuals: (id: string) =>
+    api.get<BudgetItem[]>(`/budgets/${id}/actual`),
+}

frontend/src/services/loans.ts

@@ -0,0 +1,16 @@
+import api from './api'
+import type { LoanDetail, PayoffScenario } from '@/types'
+
+export const loansApi = {
+  getLoanDetail: (accountId: string) =>
+    api.get<LoanDetail>(`/loans/${accountId}/amortization`),
+
+  createLoanDetail: (accountId: string, data: any) =>
+    api.post<LoanDetail>(`/loans/${accountId}`, data),
+
+  updateLoanDetail: (accountId: string, data: any) =>
+    api.put<LoanDetail>(`/loans/${accountId}`, data),
+
+  calculatePayoff: (accountId: string, data: { extraMonthlyPayment?: number; lumpSumPayment?: number; lumpSumDate?: string }) =>
+    api.post<PayoffScenario>(`/loans/${accountId}/payoff-scenario`, data),
+}

frontend/src/services/scheduled.ts

@@ -0,0 +1,25 @@
+import api from './api'
+import type { ScheduledTransaction } from '@/types'
+
+export const scheduledApi = {
+  getAll: () =>
+    api.get<ScheduledTransaction[]>('/scheduled-transactions'),
+
+  getById: (id: string) =>
+    api.get<ScheduledTransaction>(`/scheduled-transactions/${id}`),
+
+  create: (data: any) =>
+    api.post<ScheduledTransaction>('/scheduled-transactions', data),
+
+  update: (id: string, data: any) =>
+    api.put<ScheduledTransaction>(`/scheduled-transactions/${id}`, data),
+
+  delete: (id: string) =>
+    api.delete(`/scheduled-transactions/${id}`),
+
+  skip: (id: string) =>
+    api.post<ScheduledTransaction>(`/scheduled-transactions/${id}/skip`),
+
+  postNow: (id: string) =>
+    api.post(`/scheduled-transactions/${id}/post-now`),
+}

frontend/src/views/budgets/BudgetsView.vue

@@ -1,28 +1,325 @@
 <template>
   <div>
-    <h1 class="text-h4 mb-4">Budgets</h1>
+    <div class="d-flex align-center mb-4">
-    <v-card>
+      <h1 class="text-h4">Budgets</h1>
+    </div>
+
+    <!-- Month Navigator -->
+    <v-card class="mb-4">
       <v-card-text>
-        <v-row class="mb-4">
+        <v-row align="center" justify="center">
           <v-col cols="auto">
-            <v-btn icon @click="prevMonth"><v-icon>mdi-chevron-left</v-icon></v-btn>
+            <v-btn icon variant="text" @click="prevMonth"><v-icon>mdi-chevron-left</v-icon></v-btn>
           </v-col>
-          <v-col cols="auto"><h2>{{ monthLabel }}</h2></v-col>
           <v-col cols="auto">
-            <v-btn icon @click="nextMonth"><v-icon>mdi-chevron-right</v-icon></v-btn>
+            <h2 class="text-h5">{{ monthLabel }}</h2>
+          </v-col>
+          <v-col cols="auto">
+            <v-btn icon variant="text" @click="nextMonth"><v-icon>mdi-chevron-right</v-icon></v-btn>
           </v-col>
         </v-row>
-        <p class="text-medium-emphasis">Budget management coming in Phase 3. Set monthly spending targets per category and track actual vs budgeted amounts.</p>
       </v-card-text>
     </v-card>
+
+    <!-- Loading -->
+    <v-progress-linear v-if="loading" indeterminate color="primary" class="mb-4" />
+
+    <!-- No Budget State -->
+    <v-card v-if="!loading && !budget" class="text-center pa-8">
+      <v-icon size="64" color="grey-lighten-1" class="mb-4">mdi-calculator-variant</v-icon>
+      <h3 class="text-h6 mb-2">No budget for {{ monthLabel }}</h3>
+      <p class="text-medium-emphasis mb-4">Create a budget to track spending against your targets.</p>
+      <v-btn color="primary" prepend-icon="mdi-plus" @click="openCreateDialog">Create Budget for {{ monthLabel }}</v-btn>
+    </v-card>
+
+    <!-- Budget Table -->
+    <v-card v-if="!loading && budget">
+      <v-card-title class="d-flex align-center">
+        <span>Budget Items</span>
+        <v-spacer />
+        <v-btn size="small" variant="text" color="primary" prepend-icon="mdi-pencil" class="mr-2" @click="openEditDialog">Edit</v-btn>
+        <v-btn size="small" variant="text" color="error" prepend-icon="mdi-delete" @click="confirmDelete">Delete</v-btn>
+      </v-card-title>
+      <v-data-table :headers="headers" :items="budgetItems" density="compact" :items-per-page="-1" hide-default-footer>
+        <template #item.budgetedAmount="{ item }">
+          {{ formatCurrency(item.budgetedAmount) }}
+        </template>
+        <template #item.actualAmount="{ item }">
+          {{ formatCurrency(item.actualAmount) }}
+        </template>
+        <template #item.remaining="{ item }">
+          <span :class="item.budgetedAmount - item.actualAmount >= 0 ? 'text-success' : 'text-error'">
+            {{ formatCurrency(item.budgetedAmount - item.actualAmount) }}
+          </span>
+        </template>
+        <template #item.progress="{ item }">
+          <div class="d-flex align-center" style="min-width: 150px">
+            <v-progress-linear
+              :model-value="item.budgetedAmount > 0 ? (item.actualAmount / item.budgetedAmount) * 100 : 0"
+              :color="getProgressColor(item.budgetedAmount > 0 ? (item.actualAmount / item.budgetedAmount) * 100 : 0)"
+              height="8"
+              rounded
+              class="mr-2"
+            />
+            <span class="text-caption" style="min-width: 40px">
+              {{ item.budgetedAmount > 0 ? Math.round((item.actualAmount / item.budgetedAmount) * 100) : 0 }}%
+            </span>
+          </div>
+        </template>
+        <template #body.append>
+          <tr class="font-weight-bold bg-grey-lighten-4">
+            <td>Total</td>
+            <td>{{ formatCurrency(totalBudgeted) }}</td>
+            <td>{{ formatCurrency(totalActual) }}</td>
+            <td>
+              <span :class="totalBudgeted - totalActual >= 0 ? 'text-success' : 'text-error'">
+                {{ formatCurrency(totalBudgeted - totalActual) }}
+              </span>
+            </td>
+            <td>
+              <div class="d-flex align-center" style="min-width: 150px">
+                <v-progress-linear
+                  :model-value="totalBudgeted > 0 ? (totalActual / totalBudgeted) * 100 : 0"
+                  :color="getProgressColor(totalBudgeted > 0 ? (totalActual / totalBudgeted) * 100 : 0)"
+                  height="8"
+                  rounded
+                  class="mr-2"
+                />
+                <span class="text-caption" style="min-width: 40px">
+                  {{ totalBudgeted > 0 ? Math.round((totalActual / totalBudgeted) * 100) : 0 }}%
+                </span>
+              </div>
+            </td>
+          </tr>
+        </template>
+      </v-data-table>
+    </v-card>
+
+    <!-- Create/Edit Budget Dialog -->
+    <v-dialog v-model="showDialog" max-width="700" persistent>
+      <v-card>
+        <v-card-title>{{ editing ? 'Edit Budget' : 'Create Budget' }} - {{ monthLabel }}</v-card-title>
+        <v-card-text>
+          <v-text-field v-model="dialogForm.notes" label="Notes (optional)" class="mb-4" />
+          <div v-for="(item, index) in dialogForm.items" :key="index" class="d-flex align-center mb-2">
+            <v-select
+              v-model="item.categoryId"
+              :items="expenseCategories"
+              item-title="name"
+              item-value="id"
+              label="Category"
+              density="compact"
+              class="mr-2"
+              style="flex: 2"
+            />
+            <v-text-field
+              v-model.number="item.budgetedAmount"
+              label="Amount"
+              type="number"
+              prefix="$"
+              density="compact"
+              style="flex: 1"
+              class="mr-2"
+            />
+            <v-btn icon size="small" variant="text" color="error" @click="dialogForm.items.splice(index, 1)">
+              <v-icon size="small">mdi-close</v-icon>
+            </v-btn>
+          </div>
+          <v-btn variant="text" color="primary" prepend-icon="mdi-plus" size="small" @click="addDialogItem">Add Category</v-btn>
+        </v-card-text>
+        <v-card-actions>
+          <v-spacer />
+          <v-btn @click="showDialog = false">Cancel</v-btn>
+          <v-btn color="primary" :loading="saving" @click="saveBudget">Save</v-btn>
+        </v-card-actions>
+      </v-card>
+    </v-dialog>
+
+    <!-- Delete Confirmation -->
+    <v-dialog v-model="showDeleteDialog" max-width="400">
+      <v-card>
+        <v-card-title>Delete Budget</v-card-title>
+        <v-card-text>Are you sure you want to delete the budget for {{ monthLabel }}? This cannot be undone.</v-card-text>
+        <v-card-actions>
+          <v-spacer />
+          <v-btn @click="showDeleteDialog = false">Cancel</v-btn>
+          <v-btn color="error" :loading="saving" @click="deleteBudget">Delete</v-btn>
+        </v-card-actions>
+      </v-card>
+    </v-dialog>
+
+    <!-- Snackbar -->
+    <v-snackbar v-model="snackbar" :color="snackbarColor" :timeout="3000">{{ snackbarText }}</v-snackbar>
   </div>
 </template>
 
 <script setup lang="ts">
-import { ref, computed } from 'vue'
+import { ref, computed, onMounted, watch } from 'vue'
+import { budgetsApi } from '@/services/budgets'
+import { categoriesApi } from '@/services/categories'
+import { formatCurrency } from '@/utils/formatters'
+import type { Budget, BudgetItem, Category } from '@/types'
+
 const year = ref(new Date().getFullYear())
 const month = ref(new Date().getMonth() + 1)
-const monthLabel = computed(() => new Date(year.value, month.value - 1).toLocaleDateString('en-US', { year: 'numeric', month: 'long' }))
+const budget = ref<Budget | null>(null)
-function prevMonth() { if (month.value === 1) { month.value = 12; year.value-- } else month.value-- }
+const categories = ref<Category[]>([])
-function nextMonth() { if (month.value === 12) { month.value = 1; year.value++ } else month.value++ }
+const loading = ref(false)
+const saving = ref(false)
+const showDialog = ref(false)
+const showDeleteDialog = ref(false)
+const editing = ref(false)
+const snackbar = ref(false)
+const snackbarText = ref('')
+const snackbarColor = ref('success')
+
+const monthLabel = computed(() =>
+  new Date(year.value, month.value - 1).toLocaleDateString('en-US', { year: 'numeric', month: 'long' })
+)
+
+const expenseCategories = computed(() =>
+  categories.value.filter(c => c.type === 'Expense' && c.isActive)
+)
+
+const budgetItems = computed(() => budget.value?.items || [])
+
+const totalBudgeted = computed(() =>
+  budgetItems.value.reduce((sum, item) => sum + item.budgetedAmount, 0)
+)
+
+const totalActual = computed(() =>
+  budgetItems.value.reduce((sum, item) => sum + item.actualAmount, 0)
+)
+
+const headers = [
+  { title: 'Category', key: 'categoryName' },
+  { title: 'Budgeted', key: 'budgetedAmount', align: 'end' as const },
+  { title: 'Actual', key: 'actualAmount', align: 'end' as const },
+  { title: 'Remaining', key: 'remaining', align: 'end' as const },
+  { title: '% Used', key: 'progress', width: '200px' },
+]
+
+const dialogForm = ref<{ notes: string; items: { categoryId: string; budgetedAmount: number }[] }>({
+  notes: '',
+  items: [],
+})
+
+function prevMonth() {
+  if (month.value === 1) { month.value = 12; year.value-- }
+  else month.value--
+}
+
+function nextMonth() {
+  if (month.value === 12) { month.value = 1; year.value++ }
+  else month.value++
+}
+
+function getProgressColor(percent: number): string {
+  if (percent > 100) return 'error'
+  if (percent >= 80) return 'warning'
+  return 'success'
+}
+
+async function loadBudget() {
+  loading.value = true
+  budget.value = null
+  try {
+    const { data } = await budgetsApi.getByMonth(year.value, month.value)
+    budget.value = data
+  } catch (err: any) {
+    if (err.response?.status === 404) {
+      budget.value = null
+    } else {
+      showSnackbar('Failed to load budget', 'error')
+    }
+  } finally {
+    loading.value = false
+  }
+}
+
+async function loadCategories() {
+  try {
+    const { data } = await categoriesApi.getAll()
+    categories.value = data
+  } catch {
+    showSnackbar('Failed to load categories', 'error')
+  }
+}
+
+function openCreateDialog() {
+  editing.value = false
+  dialogForm.value = {
+    notes: '',
+    items: expenseCategories.value.map(c => ({ categoryId: c.id, budgetedAmount: 0 })),
+  }
+  showDialog.value = true
+}
+
+function openEditDialog() {
+  if (!budget.value) return
+  editing.value = true
+  dialogForm.value = {
+    notes: budget.value.notes || '',
+    items: budget.value.items.map(item => ({
+      categoryId: item.categoryId,
+      budgetedAmount: item.budgetedAmount,
+    })),
+  }
+  showDialog.value = true
+}
+
+function addDialogItem() {
+  dialogForm.value.items.push({ categoryId: '', budgetedAmount: 0 })
+}
+
+async function saveBudget() {
+  saving.value = true
+  try {
+    const items = dialogForm.value.items.filter(i => i.categoryId && i.budgetedAmount > 0)
+    if (editing.value && budget.value) {
+      await budgetsApi.update(budget.value.id, { notes: dialogForm.value.notes || undefined, items })
+    } else {
+      await budgetsApi.create({ year: year.value, month: month.value, notes: dialogForm.value.notes || undefined, items })
+    }
+    showDialog.value = false
+    showSnackbar(editing.value ? 'Budget updated' : 'Budget created')
+    await loadBudget()
+  } catch {
+    showSnackbar('Failed to save budget', 'error')
+  } finally {
+    saving.value = false
+  }
+}
+
+function confirmDelete() {
+  showDeleteDialog.value = true
+}
+
+async function deleteBudget() {
+  if (!budget.value) return
+  saving.value = true
+  try {
+    await budgetsApi.delete(budget.value.id)
+    showDeleteDialog.value = false
+    showSnackbar('Budget deleted')
+    budget.value = null
+  } catch {
+    showSnackbar('Failed to delete budget', 'error')
+  } finally {
+    saving.value = false
+  }
+}
+
+function showSnackbar(text: string, color = 'success') {
+  snackbarText.value = text
+  snackbarColor.value = color
+  snackbar.value = true
+}
+
+watch([year, month], () => loadBudget())
+
+onMounted(async () => {
+  await loadCategories()
+  await loadBudget()
+})
 </script>

frontend/src/views/loans/LoansView.vue

@@ -1,10 +1,405 @@
 <template>
   <div>
-    <h1 class="text-h4 mb-4">Loan Details</h1>
+    <!-- Loan List (no id selected) -->
-    <v-card><v-card-text><p class="text-medium-emphasis">Loan amortization schedules and payoff scenario calculator coming in Phase 3.</p></v-card-text></v-card>
+    <template v-if="!props.id">
+      <div class="d-flex align-center mb-4">
+        <h1 class="text-h4">Loans</h1>
+      </div>
+
+      <v-progress-linear v-if="accountsStore.loading" indeterminate color="primary" class="mb-4" />
+
+      <v-row v-if="loanAccounts.length > 0">
+        <v-col v-for="account in loanAccounts" :key="account.id" cols="12" md="6" lg="4">
+          <v-card class="cursor-pointer" hover @click="navigateToLoan(account.id)">
+            <v-card-title class="d-flex align-center">
+              <v-icon class="mr-2">{{ accountTypeIcon(account.type) }}</v-icon>
+              {{ account.name }}
+            </v-card-title>
+            <v-card-text>
+              <div class="d-flex justify-space-between mb-1">
+                <span class="text-medium-emphasis">Balance</span>
+                <span class="font-weight-bold">{{ formatCurrency(account.balance) }}</span>
+              </div>
+              <div v-if="account.interestRate" class="d-flex justify-space-between mb-1">
+                <span class="text-medium-emphasis">Interest Rate</span>
+                <span>{{ account.interestRate }}%</span>
+              </div>
+              <v-chip size="x-small" :color="account.hasLoanDetail ? 'success' : 'grey'" class="mt-2">
+                {{ account.hasLoanDetail ? 'Loan details configured' : 'No loan details' }}
+              </v-chip>
+            </v-card-text>
+          </v-card>
+        </v-col>
+      </v-row>
+
+      <v-card v-else-if="!accountsStore.loading" class="text-center pa-8">
+        <v-icon size="64" color="grey-lighten-1" class="mb-4">mdi-bank-off</v-icon>
+        <h3 class="text-h6 mb-2">No loan accounts found</h3>
+        <p class="text-medium-emphasis">Create an Auto Loan, Personal Loan, or Mortgage account to track loan details.</p>
+      </v-card>
+    </template>
+
+    <!-- Loan Detail (id selected) -->
+    <template v-else>
+      <div class="d-flex align-center mb-4">
+        <v-btn icon variant="text" @click="router.push('/loans')"><v-icon>mdi-arrow-left</v-icon></v-btn>
+        <h1 class="text-h4 ml-2">{{ loanDetail?.accountName || 'Loan Details' }}</h1>
+        <v-spacer />
+        <v-btn v-if="loanDetail" color="primary" variant="text" prepend-icon="mdi-pencil" @click="openEditDialog">Edit</v-btn>
+      </div>
+
+      <v-progress-linear v-if="loading" indeterminate color="primary" class="mb-4" />
+
+      <!-- Setup prompt when no loan detail -->
+      <v-card v-if="!loading && !loanDetail && showSetup" class="text-center pa-8 mb-4">
+        <v-icon size="64" color="grey-lighten-1" class="mb-4">mdi-file-document-edit</v-icon>
+        <h3 class="text-h6 mb-2">Set Up Loan Details</h3>
+        <p class="text-medium-emphasis mb-4">Configure loan parameters to view amortization schedule and run payoff scenarios.</p>
+        <v-btn color="primary" prepend-icon="mdi-plus" @click="openSetupDialog">Set Up Loan Details</v-btn>
+      </v-card>
+
+      <!-- Loan Summary Card -->
+      <v-card v-if="loanDetail" class="mb-4">
+        <v-card-title>Loan Summary</v-card-title>
+        <v-card-text>
+          <v-row>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Original Balance</div>
+              <div class="text-h6">{{ formatCurrency(loanDetail.originalBalance) }}</div>
+            </v-col>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Current Balance</div>
+              <div class="text-h6">{{ formatCurrency(loanDetail.currentBalance) }}</div>
+            </v-col>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Interest Rate</div>
+              <div class="text-h6">{{ loanDetail.interestRate }}%</div>
+            </v-col>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Monthly Payment</div>
+              <div class="text-h6">{{ formatCurrency(loanDetail.monthlyPayment) }}</div>
+            </v-col>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Term</div>
+              <div>{{ loanDetail.termMonths }} months</div>
+            </v-col>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Origination Date</div>
+              <div>{{ formatDate(loanDetail.originationDate) }}</div>
+            </v-col>
+            <v-col cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Maturity Date</div>
+              <div>{{ formatDate(loanDetail.maturityDate) }}</div>
+            </v-col>
+            <v-col v-if="loanDetail.escrowAmount" cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Escrow</div>
+              <div>{{ formatCurrency(loanDetail.escrowAmount) }}</div>
+            </v-col>
+            <v-col v-if="loanDetail.extraPayment" cols="6" md="3">
+              <div class="text-medium-emphasis text-caption">Extra Payment</div>
+              <div>{{ formatCurrency(loanDetail.extraPayment) }}</div>
+            </v-col>
+          </v-row>
+        </v-card-text>
+      </v-card>
+
+      <!-- Amortization Schedule -->
+      <v-card v-if="loanDetail" class="mb-4">
+        <v-card-title>Amortization Schedule</v-card-title>
+        <v-data-table
+          :headers="amortHeaders"
+          :items="loanDetail.amortizationSchedule"
+          density="compact"
+          :items-per-page="25"
+        >
+          <template #item.paymentDate="{ item }">{{ formatDate(item.paymentDate) }}</template>
+          <template #item.paymentAmount="{ item }">{{ formatCurrency(item.paymentAmount) }}</template>
+          <template #item.principalAmount="{ item }">{{ formatCurrency(item.principalAmount) }}</template>
+          <template #item.interestAmount="{ item }">{{ formatCurrency(item.interestAmount) }}</template>
+          <template #item.escrowAmount="{ item }">{{ item.escrowAmount != null ? formatCurrency(item.escrowAmount) : '-' }}</template>
+          <template #item.remainingBalance="{ item }">{{ formatCurrency(item.remainingBalance) }}</template>
+        </v-data-table>
+      </v-card>
+
+      <!-- Payoff Scenario Calculator -->
+      <v-card v-if="loanDetail" class="mb-4">
+        <v-card-title>Payoff Scenario Calculator</v-card-title>
+        <v-card-text>
+          <v-row>
+            <v-col cols="12" md="4">
+              <v-text-field
+                v-model.number="payoffForm.extraMonthlyPayment"
+                label="Extra Monthly Payment"
+                type="number"
+                prefix="$"
+                min="0"
+              />
+            </v-col>
+            <v-col cols="12" md="4">
+              <v-text-field
+                v-model.number="payoffForm.lumpSumPayment"
+                label="Lump Sum Payment"
+                type="number"
+                prefix="$"
+                min="0"
+              />
+            </v-col>
+            <v-col cols="12" md="4">
+              <v-text-field
+                v-model="payoffForm.lumpSumDate"
+                label="Lump Sum Date"
+                type="date"
+                :disabled="!payoffForm.lumpSumPayment"
+              />
+            </v-col>
+          </v-row>
+          <v-btn color="primary" :loading="calculatingPayoff" @click="calculatePayoff">Calculate</v-btn>
+
+          <!-- Payoff Results -->
+          <div v-if="payoffResult" class="mt-6">
+            <v-row>
+              <v-col cols="12" md="4">
+                <v-card variant="outlined" color="success">
+                  <v-card-text class="text-center">
+                    <div class="text-caption text-medium-emphasis">New Payoff Date</div>
+                    <div class="text-h6">{{ formatDate(payoffResult.newPayoffDate) }}</div>
+                  </v-card-text>
+                </v-card>
+              </v-col>
+              <v-col cols="12" md="4">
+                <v-card variant="outlined" color="success">
+                  <v-card-text class="text-center">
+                    <div class="text-caption text-medium-emphasis">Interest Saved</div>
+                    <div class="text-h6 text-success">{{ formatCurrency(payoffResult.interestSaved) }}</div>
+                  </v-card-text>
+                </v-card>
+              </v-col>
+              <v-col cols="12" md="4">
+                <v-card variant="outlined" color="success">
+                  <v-card-text class="text-center">
+                    <div class="text-caption text-medium-emphasis">Months Saved</div>
+                    <div class="text-h6 text-success">{{ payoffResult.monthsSaved }}</div>
+                  </v-card-text>
+                </v-card>
+              </v-col>
+            </v-row>
+
+            <v-row class="mt-2">
+              <v-col cols="12" md="6">
+                <div class="text-caption text-medium-emphasis">Original Total Interest</div>
+                <div>{{ formatCurrency(payoffResult.totalInterestOriginal) }}</div>
+              </v-col>
+              <v-col cols="12" md="6">
+                <div class="text-caption text-medium-emphasis">New Total Interest</div>
+                <div>{{ formatCurrency(payoffResult.totalInterestNew) }}</div>
+              </v-col>
+            </v-row>
+
+            <v-row class="mt-2">
+              <v-col cols="12" md="6">
+                <div class="text-caption text-medium-emphasis">Original Payoff Date</div>
+                <div>{{ formatDate(payoffResult.originalPayoffDate) }}</div>
+              </v-col>
+              <v-col cols="12" md="6">
+                <div class="text-caption text-medium-emphasis">New Payoff Date</div>
+                <div>{{ formatDate(payoffResult.newPayoffDate) }}</div>
+              </v-col>
+            </v-row>
+          </div>
+        </v-card-text>
+      </v-card>
+    </template>
+
+    <!-- Create/Edit Loan Detail Dialog -->
+    <v-dialog v-model="showLoanDialog" max-width="600" persistent>
+      <v-card>
+        <v-card-title>{{ editingLoan ? 'Edit' : 'Set Up' }} Loan Details</v-card-title>
+        <v-card-text>
+          <v-text-field v-model.number="loanForm.originalBalance" label="Original Balance" type="number" prefix="$" />
+          <v-text-field v-model.number="loanForm.interestRate" label="Interest Rate (%)" type="number" suffix="%" step="0.125" />
+          <v-text-field v-model.number="loanForm.termMonths" label="Term (months)" type="number" />
+          <v-text-field v-model.number="loanForm.monthlyPayment" label="Monthly Payment" type="number" prefix="$" />
+          <v-text-field v-model="loanForm.originationDate" label="Origination Date" type="date" />
+          <v-text-field v-model.number="loanForm.escrowAmount" label="Escrow Amount (optional)" type="number" prefix="$" />
+          <v-text-field v-model.number="loanForm.extraPayment" label="Extra Payment (optional)" type="number" prefix="$" />
+        </v-card-text>
+        <v-card-actions>
+          <v-spacer />
+          <v-btn @click="showLoanDialog = false">Cancel</v-btn>
+          <v-btn color="primary" :loading="saving" @click="saveLoanDetail">Save</v-btn>
+        </v-card-actions>
+      </v-card>
+    </v-dialog>
+
+    <!-- Snackbar -->
+    <v-snackbar v-model="snackbar" :color="snackbarColor" :timeout="3000">{{ snackbarText }}</v-snackbar>
   </div>
 </template>
 
 <script setup lang="ts">
-defineProps<{ id?: string }>()
+import { ref, computed, onMounted, watch } from 'vue'
+import { useRouter } from 'vue-router'
+import { loansApi } from '@/services/loans'
+import { useAccountsStore } from '@/stores/accounts'
+import { formatCurrency, formatDate, accountTypeIcon } from '@/utils/formatters'
+import type { LoanDetail, PayoffScenario } from '@/types'
+
+const props = defineProps<{ id?: string }>()
+const router = useRouter()
+const accountsStore = useAccountsStore()
+
+const loanDetail = ref<LoanDetail | null>(null)
+const payoffResult = ref<PayoffScenario | null>(null)
+const loading = ref(false)
+const saving = ref(false)
+const calculatingPayoff = ref(false)
+const showLoanDialog = ref(false)
+const showSetup = ref(false)
+const editingLoan = ref(false)
+const snackbar = ref(false)
+const snackbarText = ref('')
+const snackbarColor = ref('success')
+
+const loanAccountTypes = ['AutoLoan', 'PersonalLoan', 'Mortgage']
+
+const loanAccounts = computed(() =>
+  accountsStore.accounts.filter(a => a.hasLoanDetail || loanAccountTypes.includes(a.type))
+)
+
+const amortHeaders = [
+  { title: '#', key: 'paymentNumber', width: '60px' },
+  { title: 'Date', key: 'paymentDate', width: '110px' },
+  { title: 'Payment', key: 'paymentAmount', align: 'end' as const },
+  { title: 'Principal', key: 'principalAmount', align: 'end' as const },
+  { title: 'Interest', key: 'interestAmount', align: 'end' as const },
+  { title: 'Escrow', key: 'escrowAmount', align: 'end' as const },
+  { title: 'Balance', key: 'remainingBalance', align: 'end' as const },
+]
+
+const payoffForm = ref({
+  extraMonthlyPayment: 0,
+  lumpSumPayment: 0,
+  lumpSumDate: '',
+})
+
+const loanForm = ref({
+  originalBalance: 0,
+  interestRate: 0,
+  termMonths: 360,
+  monthlyPayment: 0,
+  originationDate: '',
+  escrowAmount: null as number | null,
+  extraPayment: null as number | null,
+})
+
+function navigateToLoan(accountId: string) {
+  router.push(`/loans/${accountId}`)
+}
+
+async function loadLoanDetail() {
+  if (!props.id) return
+  loading.value = true
+  loanDetail.value = null
+  payoffResult.value = null
+  showSetup.value = false
+  try {
+    const { data } = await loansApi.getLoanDetail(props.id)
+    loanDetail.value = data
+  } catch (err: any) {
+    if (err.response?.status === 404) {
+      showSetup.value = true
+    } else {
+      showSnackbar('Failed to load loan details', 'error')
+    }
+  } finally {
+    loading.value = false
+  }
+}
+
+function openSetupDialog() {
+  editingLoan.value = false
+  loanForm.value = {
+    originalBalance: 0,
+    interestRate: 0,
+    termMonths: 360,
+    monthlyPayment: 0,
+    originationDate: new Date().toISOString().split('T')[0],
+    escrowAmount: null,
+    extraPayment: null,
+  }
+  showLoanDialog.value = true
+}
+
+function openEditDialog() {
+  if (!loanDetail.value) return
+  editingLoan.value = true
+  loanForm.value = {
+    originalBalance: loanDetail.value.originalBalance,
+    interestRate: loanDetail.value.interestRate,
+    termMonths: loanDetail.value.termMonths,
+    monthlyPayment: loanDetail.value.monthlyPayment,
+    originationDate: loanDetail.value.originationDate.split('T')[0],
+    escrowAmount: loanDetail.value.escrowAmount,
+    extraPayment: loanDetail.value.extraPayment,
+  }
+  showLoanDialog.value = true
+}
+
+async function saveLoanDetail() {
+  if (!props.id) return
+  saving.value = true
+  try {
+    const payload = {
+      ...loanForm.value,
+      escrowAmount: loanForm.value.escrowAmount || undefined,
+      extraPayment: loanForm.value.extraPayment || undefined,
+    }
+    if (editingLoan.value) {
+      await loansApi.updateLoanDetail(props.id, payload)
+      showSnackbar('Loan details updated')
+    } else {
+      await loansApi.createLoanDetail(props.id, payload)
+      showSnackbar('Loan details created')
+    }
+    showLoanDialog.value = false
+    await loadLoanDetail()
+  } catch {
+    showSnackbar('Failed to save loan details', 'error')
+  } finally {
+    saving.value = false
+  }
+}
+
+async function calculatePayoff() {
+  if (!props.id) return
+  calculatingPayoff.value = true
+  payoffResult.value = null
+  try {
+    const { data } = await loansApi.calculatePayoff(props.id, {
+      extraMonthlyPayment: payoffForm.value.extraMonthlyPayment || undefined,
+      lumpSumPayment: payoffForm.value.lumpSumPayment || undefined,
+      lumpSumDate: payoffForm.value.lumpSumDate || undefined,
+    })
+    payoffResult.value = data
+  } catch {
+    showSnackbar('Failed to calculate payoff scenario', 'error')
+  } finally {
+    calculatingPayoff.value = false
+  }
+}
+
+function showSnackbar(text: string, color = 'success') {
+  snackbarText.value = text
+  snackbarColor.value = color
+  snackbar.value = true
+}
+
+watch(() => props.id, () => {
+  if (props.id) loadLoanDetail()
+})
+
+onMounted(async () => {
+  await accountsStore.fetchAccounts()
+  if (props.id) await loadLoanDetail()
+})
 </script>

frontend/src/views/scheduled/ScheduledView.vue

@@ -1,6 +1,300 @@
 <template>
   <div>
-    <h1 class="text-h4 mb-4">Scheduled Transactions</h1>
+    <div class="d-flex align-center mb-4">
-    <v-card><v-card-text><p class="text-medium-emphasis">Recurring bill management coming in Phase 3. Set up automatic recurring transactions with reminders.</p></v-card-text></v-card>
+      <h1 class="text-h4">Scheduled Transactions</h1>
+      <v-spacer />
+      <v-btn color="primary" prepend-icon="mdi-plus" @click="openAddDialog">Add Scheduled Transaction</v-btn>
+    </div>
+
+    <v-card>
+      <v-data-table :headers="headers" :items="transactions" :loading="loading" density="compact" :items-per-page="25">
+        <template #item.nextDueDate="{ item }">{{ formatDate(item.nextDueDate) }}</template>
+        <template #item.amount="{ item }">
+          <span :class="item.type === 'Credit' ? 'text-success' : 'text-error'">
+            {{ formatCurrency(item.amount) }}
+          </span>
+        </template>
+        <template #item.frequency="{ item }">{{ frequencyLabel(item.frequency) }}</template>
+        <template #item.autoPost="{ item }">
+          <v-icon :color="item.autoPost ? 'success' : 'grey'" size="small">
+            {{ item.autoPost ? 'mdi-check-circle' : 'mdi-close-circle' }}
+          </v-icon>
+        </template>
+        <template #item.isActive="{ item }">
+          <v-chip :color="item.isActive ? 'success' : 'grey'" size="x-small">
+            {{ item.isActive ? 'Active' : 'Inactive' }}
+          </v-chip>
+        </template>
+        <template #item.actions="{ item }">
+          <v-btn icon size="x-small" variant="text" @click="openEditDialog(item)" title="Edit">
+            <v-icon size="small">mdi-pencil</v-icon>
+          </v-btn>
+          <v-btn icon size="x-small" variant="text" color="warning" @click="skipTransaction(item.id)" title="Skip Next">
+            <v-icon size="small">mdi-skip-next</v-icon>
+          </v-btn>
+          <v-btn icon size="x-small" variant="text" color="primary" @click="postNow(item.id)" title="Post Now">
+            <v-icon size="small">mdi-send</v-icon>
+          </v-btn>
+          <v-btn icon size="x-small" variant="text" color="error" @click="confirmDelete(item)" title="Delete">
+            <v-icon size="small">mdi-delete</v-icon>
+          </v-btn>
+        </template>
+      </v-data-table>
+    </v-card>
+
+    <!-- Add/Edit Dialog -->
+    <v-dialog v-model="showDialog" max-width="600" persistent>
+      <v-card>
+        <v-card-title>{{ editingId ? 'Edit' : 'Add' }} Scheduled Transaction</v-card-title>
+        <v-card-text>
+          <v-select
+            v-model="form.accountId"
+            label="Account"
+            :items="accountsStore.accounts"
+            item-title="name"
+            item-value="id"
+          />
+          <v-row>
+            <v-col cols="8">
+              <v-text-field v-model.number="form.amount" label="Amount" type="number" prefix="$" />
+            </v-col>
+            <v-col cols="4">
+              <v-select v-model="form.type" label="Type" :items="['Debit', 'Credit']" />
+            </v-col>
+          </v-row>
+          <v-text-field v-model="form.payeeName" label="Payee" />
+          <v-select
+            v-model="form.categoryId"
+            label="Category"
+            :items="categories"
+            item-title="name"
+            item-value="id"
+            clearable
+          />
+          <v-text-field v-model="form.memo" label="Memo" />
+          <v-select v-model="form.frequency" label="Frequency" :items="frequencyOptions" />
+          <v-row>
+            <v-col cols="6">
+              <v-text-field v-model="form.nextDueDate" label="Next Due Date" type="date" />
+            </v-col>
+            <v-col cols="6">
+              <v-text-field v-model="form.endDate" label="End Date (optional)" type="date" clearable />
+            </v-col>
+          </v-row>
+          <v-row>
+            <v-col cols="6">
+              <v-switch v-model="form.autoPost" label="Auto-Post" color="primary" />
+            </v-col>
+            <v-col cols="6">
+              <v-text-field v-model.number="form.reminderDaysBefore" label="Reminder Days Before" type="number" min="0" />
+            </v-col>
+          </v-row>
+        </v-card-text>
+        <v-card-actions>
+          <v-spacer />
+          <v-btn @click="showDialog = false">Cancel</v-btn>
+          <v-btn color="primary" :loading="saving" @click="saveTransaction">Save</v-btn>
+        </v-card-actions>
+      </v-card>
+    </v-dialog>
+
+    <!-- Delete Confirmation -->
+    <v-dialog v-model="showDeleteDialog" max-width="400">
+      <v-card>
+        <v-card-title>Delete Scheduled Transaction</v-card-title>
+        <v-card-text>Are you sure you want to delete the scheduled transaction for "{{ deletingName }}"?</v-card-text>
+        <v-card-actions>
+          <v-spacer />
+          <v-btn @click="showDeleteDialog = false">Cancel</v-btn>
+          <v-btn color="error" :loading="saving" @click="deleteTransaction">Delete</v-btn>
+        </v-card-actions>
+      </v-card>
+    </v-dialog>
+
+    <!-- Snackbar -->
+    <v-snackbar v-model="snackbar" :color="snackbarColor" :timeout="3000">{{ snackbarText }}</v-snackbar>
   </div>
 </template>
+
+<script setup lang="ts">
+import { ref, onMounted } from 'vue'
+import { scheduledApi } from '@/services/scheduled'
+import { categoriesApi } from '@/services/categories'
+import { useAccountsStore } from '@/stores/accounts'
+import { formatCurrency, formatDate } from '@/utils/formatters'
+import type { ScheduledTransaction, Category, Frequency } from '@/types'
+
+const accountsStore = useAccountsStore()
+const transactions = ref<ScheduledTransaction[]>([])
+const categories = ref<Category[]>([])
+const loading = ref(false)
+const saving = ref(false)
+const showDialog = ref(false)
+const showDeleteDialog = ref(false)
+const editingId = ref('')
+const deletingId = ref('')
+const deletingName = ref('')
+const snackbar = ref(false)
+const snackbarText = ref('')
+const snackbarColor = ref('success')
+
+const frequencyOptions: Frequency[] = ['Daily', 'Weekly', 'BiWeekly', 'SemiMonthly', 'Monthly', 'Quarterly', 'SemiAnnually', 'Annually']
+
+const headers = [
+  { title: 'Next Due', key: 'nextDueDate', width: '110px' },
+  { title: 'Payee', key: 'payeeName' },
+  { title: 'Amount', key: 'amount', align: 'end' as const },
+  { title: 'Account', key: 'accountName' },
+  { title: 'Frequency', key: 'frequency' },
+  { title: 'Auto-Post', key: 'autoPost', align: 'center' as const, width: '90px' },
+  { title: 'Status', key: 'isActive', width: '90px' },
+  { title: 'Actions', key: 'actions', sortable: false, width: '160px' },
+]
+
+const defaultForm = () => ({
+  accountId: '',
+  amount: 0,
+  type: 'Debit' as 'Debit' | 'Credit',
+  payeeName: '',
+  categoryId: null as string | null,
+  memo: '',
+  frequency: 'Monthly' as Frequency,
+  nextDueDate: new Date().toISOString().split('T')[0],
+  endDate: null as string | null,
+  autoPost: false,
+  reminderDaysBefore: 3,
+})
+
+const form = ref(defaultForm())
+
+function frequencyLabel(freq: string): string {
+  const labels: Record<string, string> = {
+    Daily: 'Daily',
+    Weekly: 'Weekly',
+    BiWeekly: 'Bi-Weekly',
+    SemiMonthly: 'Semi-Monthly',
+    Monthly: 'Monthly',
+    Quarterly: 'Quarterly',
+    SemiAnnually: 'Semi-Annually',
+    Annually: 'Annually',
+  }
+  return labels[freq] || freq
+}
+
+async function loadTransactions() {
+  loading.value = true
+  try {
+    const { data } = await scheduledApi.getAll()
+    transactions.value = data
+  } catch {
+    showSnackbar('Failed to load scheduled transactions', 'error')
+  } finally {
+    loading.value = false
+  }
+}
+
+async function loadCategories() {
+  try {
+    const { data } = await categoriesApi.getAll()
+    categories.value = data
+  } catch {
+    // categories are optional for display
+  }
+}
+
+function openAddDialog() {
+  editingId.value = ''
+  form.value = defaultForm()
+  showDialog.value = true
+}
+
+function openEditDialog(txn: ScheduledTransaction) {
+  editingId.value = txn.id
+  form.value = {
+    accountId: txn.accountId,
+    amount: Math.abs(txn.amount),
+    type: txn.type === 'Credit' ? 'Credit' : 'Debit',
+    payeeName: txn.payeeName || '',
+    categoryId: txn.categoryId,
+    memo: txn.memo || '',
+    frequency: txn.frequency,
+    nextDueDate: txn.nextDueDate.split('T')[0],
+    endDate: txn.endDate ? txn.endDate.split('T')[0] : null,
+    autoPost: txn.autoPost,
+    reminderDaysBefore: txn.reminderDaysBefore,
+  }
+  showDialog.value = true
+}
+
+async function saveTransaction() {
+  saving.value = true
+  try {
+    const amount = form.value.type === 'Debit' ? -Math.abs(form.value.amount) : Math.abs(form.value.amount)
+    const payload = { ...form.value, amount, endDate: form.value.endDate || undefined }
+    if (editingId.value) {
+      await scheduledApi.update(editingId.value, payload)
+      showSnackbar('Scheduled transaction updated')
+    } else {
+      await scheduledApi.create(payload)
+      showSnackbar('Scheduled transaction created')
+    }
+    showDialog.value = false
+    await loadTransactions()
+  } catch {
+    showSnackbar('Failed to save scheduled transaction', 'error')
+  } finally {
+    saving.value = false
+  }
+}
+
+async function skipTransaction(id: string) {
+  try {
+    await scheduledApi.skip(id)
+    showSnackbar('Next occurrence skipped')
+    await loadTransactions()
+  } catch {
+    showSnackbar('Failed to skip transaction', 'error')
+  }
+}
+
+async function postNow(id: string) {
+  try {
+    await scheduledApi.postNow(id)
+    showSnackbar('Transaction posted successfully')
+    await loadTransactions()
+  } catch {
+    showSnackbar('Failed to post transaction', 'error')
+  }
+}
+
+function confirmDelete(txn: ScheduledTransaction) {
+  deletingId.value = txn.id
+  deletingName.value = txn.payeeName || 'this transaction'
+  showDeleteDialog.value = true
+}
+
+async function deleteTransaction() {
+  saving.value = true
+  try {
+    await scheduledApi.delete(deletingId.value)
+    showDeleteDialog.value = false
+    showSnackbar('Scheduled transaction deleted')
+    await loadTransactions()
+  } catch {
+    showSnackbar('Failed to delete scheduled transaction', 'error')
+  } finally {
+    saving.value = false
+  }
+}
+
+function showSnackbar(text: string, color = 'success') {
+  snackbarText.value = text
+  snackbarColor.value = color
+  snackbar.value = true
+}
+
+onMounted(async () => {
+  await accountsStore.fetchAccounts()
+  await Promise.all([loadTransactions(), loadCategories()])
+})
+</script>