whatif: live data refresh, inflation-adjusted spending, legend fix

Three follow-ups to the actualbudget integration:

**Always-fresh autofill.** Drop the one-shot `*AutoFilled` boolean
gates; replace with `nwUserEdited` / `spendingUserEdited` flags. Until
the user types into either field, every refetch (mount, window
focus) updates the form value. Once they edit, we leave it alone. A
small ↻ button next to each anchor input flips the edited flag back
off so the user can re-snap to live data on demand. React Query
configured with staleTime=0 + refetchOnMount='always' +
refetchOnWindowFocus=true so the cache never serves stale numbers.
NW provenance shows the snapshot date.

**Inflation-adjusted spending.** Backend now revalues each trailing
month's nominal pence forward to today's £ using monthly compounding
of `inflation_pct` (default 0.03 ≈ UK CPI 2024-26). Headline
`total_gbp` is the real-£ figure — matches the simulator's
real-GBP convention. Response also includes `nominal_total_gbp` and
`inflation_pct` for transparency. New /spending/annual?inflation_pct=
override param. 10/10 actualbudget tests pass.

**FanChart legend.** The bottom-anchored legend was overlapping the
x-axis label. Moved to top: 8 with itemGap=18 + type=scroll for
narrow viewports; bumped grid top→48 / bottom→56 + xAxis nameGap→28
so nothing collides.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

tests/test_actualbudget.py

@@ -100,15 +100,44 @@ async def test_fetch_trailing_spending_excludes_groups(respx_mock: respx.MockRou
                 }
             }))
 
-    spends, total_gbp = await fetch_trailing_spending(
+    spends, nominal_gbp, real_gbp = await fetch_trailing_spending(
         months=2,
         exclude_groups=frozenset(["Investments and Savings"]),
+        annual_inflation_pct=0.0,  # no adjustment for the simple assertion
         client_factory=_client(),
         today=date(2025, 3, 15),
     )
     assert [ms.month for ms in spends] == ["2025-01", "2025-02"]
     # Usual: 1000 + 2000 = 3000 pence = £30
-    assert total_gbp == Decimal("30.00")
+    assert nominal_gbp == Decimal("30.00")
+    assert real_gbp == Decimal("30.00")  # 0% inflation → same number
+
+
+@pytest.mark.asyncio
+async def test_fetch_trailing_spending_inflation_adjusts(respx_mock: respx.MockRouter) -> None:
+    """At 12% annual inflation, a £10 expense from 12 months ago is
+    worth £11.20 in today's £. Sanity-check the compounding via the
+    oldest month of a 12-month window (today=2025-04 → 2024-04 is 12mo
+    old)."""
+    # Only one month available in the window.
+    respx_mock.get(f"{API_URL}/v1/budgets/{SYNC_ID}/months").mock(
+        return_value=httpx.Response(200, json={"data": ["2024-04"]}))
+    respx_mock.get(f"{API_URL}/v1/budgets/{SYNC_ID}/months/2024-04").mock(
+        return_value=httpx.Response(200, json={
+            "data": {"categoryGroups": [
+                {"name": "Usual Expenses", "is_income": False,
+                 "categories": [{"spent": -1000}]},  # £10
+            ]}
+        }))
+    _, nominal_gbp, real_gbp = await fetch_trailing_spending(
+        months=12,
+        exclude_groups=frozenset(),
+        annual_inflation_pct=0.12,
+        client_factory=_client(),
+        today=date(2025, 4, 15),
+    )
+    assert nominal_gbp == Decimal("10.00")
+    assert real_gbp == Decimal("11.20")
 
 
 @pytest.mark.asyncio
@@ -126,11 +155,12 @@ async def test_fetch_trailing_spending_drops_unavailable_months(
                  "categories": [{"spent": -5000}]},
             ]}
         }))
-    spends, total_gbp = await fetch_trailing_spending(
+    spends, nominal_gbp, _real_gbp = await fetch_trailing_spending(
         months=3,
         exclude_groups=frozenset(),
+        annual_inflation_pct=0.0,
         client_factory=_client(),
         today=date(2025, 3, 15),
     )
     assert [ms.month for ms in spends] == ["2025-02"]
-    assert total_gbp == Decimal("50.00")
+    assert nominal_gbp == Decimal("50.00")

tests/test_api_spending.py

@@ -69,18 +69,20 @@ async def test_spending_annual_excludes_investments_by_default(client: AsyncClie
         _mock_two_months(rmock)
         # The endpoint asks for 12 months by default but we mocked only 2;
         # the remaining 10 are silently dropped (list_months only returns 2).
-        resp = await client.get("/spending/annual?months=2")
+        resp = await client.get("/spending/annual?months=2&inflation_pct=0")
     assert resp.status_code == 200, resp.text
     body = resp.json()
-    # Usual: 3000 + 4000 = 7000 pence = £70
+    # 0% inflation → real == nominal. Usual: 3000 + 4000 = 7000p = £70
     assert Decimal(body["total_gbp"]) == Decimal("70.00")
-    # Raw includes investments: 7000 + 60000 = 67000 pence = £670
+    assert Decimal(body["nominal_total_gbp"]) == Decimal("70.00")
+    # Raw includes investments: 7000 + 60000 = 67000p = £670
     assert Decimal(body["raw_total_gbp"]) == Decimal("670.00")
     assert body["window_start"] == "2025-01"
     assert body["window_end"] == "2025-02"
     assert body["excluded_groups"] == ["Investments and Savings", "Budget Reset"]
     assert body["by_group_total_gbp"]["Usual Expenses"] == "70.00"
     assert body["by_group_total_gbp"]["Investments and Savings"] == "600.00"
+    assert Decimal(body["inflation_pct"]) == Decimal("0")
 
 
 async def test_spending_annual_custom_exclude(client: AsyncClient) -> None:
@@ -93,7 +95,9 @@ async def test_spending_annual_custom_exclude(client: AsyncClient) -> None:
             patch("fire_planner.actualbudget._today", lambda: date(2025, 3, 15)), \
             respx.mock(assert_all_called=False) as rmock:
         _mock_two_months(rmock)
-        resp = await client.get("/spending/annual?months=2&exclude=Usual%20Expenses")
+        resp = await client.get(
+            "/spending/annual?months=2&exclude=Usual%20Expenses&inflation_pct=0"
+        )
     assert resp.status_code == 200
     body = resp.json()
     # Excluding "Usual Expenses" leaves only Investments: £600