V3.27

README.md

@@ -118,3 +118,8 @@ In der Statistik gibt es zusätzlich eine einkommensbasierte Vergleichssicht fü
 
 Die Gemeinschaftsfinanzierung zeigt je Person zusätzlich Prozentwerte. **Kostenanteil** ist der Anteil der Person an den zugeordneten gemeinsamen Kosten. **Soll-Finanzierung %** zeigt den daraus resultierenden Anteil am verbleibenden Finanzierungsbedarf nach Abzug gemeinsamer Einnahmen. **Ist-Beitrag %** zeigt den Anteil der Person an allen tatsächlichen persönlichen Einzahlungen in diesen Gemeinschaftsbereich. **Anteil am Bedarf** zeigt, wie viel des verbleibenden Finanzierungsbedarfs durch die tatsächliche Einzahlung dieser Person gedeckt wird. In der einkommensbasierten Vergleichssicht werden Soll-% (Einkommensanteil) und Ist-% direkt gegenübergestellt; die Abweichung wird zusätzlich in Prozentpunkten angezeigt.
 
+
+
+### v3.27 – gerichtete Personentransfers und verfügbare Liquidität
+
+Transfers zwischen persönlichen Konten unterschiedlicher Eigentümer werden in personenbezogenen Auswertungen aus den Kontoeigentümern als Sender → Empfänger abgeleitet. Der globale Schalter blendet Transferdetails nur noch ein oder aus; Kontoliquidität und verfügbare Beträge bleiben immer inklusive Transfers. In der persönlichen Statistik werden wirtschaftlich verfügbar und liquid verfügbar getrennt ausgewiesen.

public/sw.js

@@ -1,4 +1,4 @@
-const SHELL_CACHE='fixfin-shell-v3.26';
+const SHELL_CACHE='fixfin-shell-v3.27';
 const DATA_CACHE='fixfin-data-v1';
 const APP_SHELL=['/','/manifest.webmanifest','/icons/icon-192.png','/icons/icon-512.png','/icons/apple-touch-icon.png'];
 

server/reports.js

@@ -25,6 +25,22 @@ function personName(data,id){return data.persons?.find(p=>p.id===id)?.name||'Ohn
 function personIdsOf(item){return Array.isArray(item?.personIds)?item.personIds.filter(Boolean):typeof item?.personId==='string'&&item.personId?[item.personId]:[];}
 function personLabel(data,item){const ids=personIdsOf(item);return ids.length?ids.map(id=>personName(data,id)).join(', '):'Ohne Person';}
 function personFactor(item,personId='all'){if(personId==='all')return 1;const ids=personIdsOf(item);return ids.includes(personId)&&ids.length?1/ids.length:0;}
+function ownerIdsOf(account){return Array.isArray(account?.ownerPersonIds)?[...new Set(account.ownerPersonIds.filter(Boolean))]:[];}
+function transferFactorForAccount(data,item,personId='all',accountId=''){
+  if(personId==='all')return 1;
+  const from=data.accounts.find(a=>a.id===item.fromAccountId);const to=data.accounts.find(a=>a.id===item.toAccountId);const selected=data.accounts.find(a=>a.id===accountId);
+  let ids=[];
+  if(selected?.ownership==='personal')ids=ownerIdsOf(selected);
+  else if(item.toAccountId===accountId&&from?.ownership==='personal')ids=ownerIdsOf(from);
+  else if(item.fromAccountId===accountId&&to?.ownership==='personal')ids=ownerIdsOf(to);
+  else return personFactor(item,personId);
+  return ids.includes(personId)?1:0;
+}
+function transferPersonLabel(data,item){
+  const from=data.accounts.find(a=>a.id===item.fromAccountId);const to=data.accounts.find(a=>a.id===item.toAccountId);
+  if(from?.ownership==='personal'&&to?.ownership==='personal'&&ownerIdsOf(from).length&&ownerIdsOf(to).length)return `${ownerIdsOf(from).map(id=>personName(data,id)).join(', ')} → ${ownerIdsOf(to).map(id=>personName(data,id)).join(', ')}`;
+  return personLabel(data,item);
+}
 
 export function buildAnnualForecast(data,year,accountId,personId='all',includeTransfers=true){
   const rows=MONTHS.map((name,index)=>({name,index,income:0,expense:0,transferIn:0,transferOut:0,displayIncome:0,displayExpense:0,balance:0,items:[]}));
@@ -37,7 +53,7 @@ export function buildAnnualForecast(data,year,accountId,personId='all',includeTr
     for(let m=0;m<12;m++)if(occursInMonth(item,year,m)){const amount=effectiveAmount(item,year,m)*factor;rows[m].expense+=amount;rows[m].items.push({...item,kind:'expense',reportAmount:amount});}
   }
   if(includeTransfers) for(const item of data.transfers||[]){
-    const factor=personFactor(item,personId); if(!factor||(item.fromAccountId!==accountId&&item.toAccountId!==accountId))continue;
+    const factor=transferFactorForAccount(data,item,personId,accountId); if(!factor||(item.fromAccountId!==accountId&&item.toAccountId!==accountId))continue;
     for(let m=0;m<12;m++)if(occursInMonth(item,year,m)){
       const amount=Number(item.amount||0)*factor;
       if(item.toAccountId===accountId){rows[m].transferIn+=amount;rows[m].items.push({...item,kind:'transfer',direction:'in',reportAmount:amount});}
@@ -52,11 +68,11 @@ function occurrenceRows(data,year,accountId,personId='all',includeTransfers=true
   const result=[];
   const push=(item,kind,monthIndex,direction='',factor=1)=>{
     const amount=(kind==='transfer'?Number(item.amount||0):effectiveAmount(item,year,monthIndex))*factor;
-    result.push({monthIndex,month:MONTHS[monthIndex],kind,direction,name:item.name,person:personLabel(data,item),category:categoryName(data,item.categoryId),amount});
+    result.push({monthIndex,month:MONTHS[monthIndex],kind,direction,name:item.name,person:kind==='transfer'?transferPersonLabel(data,item):personLabel(data,item),category:categoryName(data,item.categoryId),amount});
   };
   for(const item of data.incomes||[]){const factor=personFactor(item,personId);if(factor&&item.accountId===accountId)for(let m=0;m<12;m++)if(occursInMonth(item,year,m))push(item,'income',m,'',factor);}
   for(const item of data.expenses||[]){const factor=personFactor(item,personId);if(factor&&item.accountId===accountId)for(let m=0;m<12;m++)if(occursInMonth(item,year,m))push(item,'expense',m,'',factor);}
-  if(includeTransfers) for(const item of data.transfers||[]){const factor=personFactor(item,personId);if(factor&&(item.fromAccountId===accountId||item.toAccountId===accountId))for(let m=0;m<12;m++)if(occursInMonth(item,year,m)){
+  if(includeTransfers) for(const item of data.transfers||[]){const factor=transferFactorForAccount(data,item,personId,accountId);if(factor&&(item.fromAccountId===accountId||item.toAccountId===accountId))for(let m=0;m<12;m++)if(occursInMonth(item,year,m)){
     if(item.toAccountId===accountId)push(item,'transfer',m,'in',factor);
     if(item.fromAccountId===accountId)push(item,'transfer',m,'out',factor);
   }}

src/main.jsx

@@ -137,6 +137,37 @@ function transferClassification(data,item){
   return {key:'other',label:'Sonstiger Transfer',description:'Eigentumsbereich wechselt'};
 }
 function transferClassLabel(data,item){return transferClassification(data,item).label;}
+function transferDirectionalOwnerIds(data,item,direction='any'){
+  const from=data.accounts.find(a=>a.id===item.fromAccountId);
+  const to=data.accounts.find(a=>a.id===item.toAccountId);
+  if(direction==='out')return ownerIdsOf(from);
+  if(direction==='in')return ownerIdsOf(to);
+  return [...new Set([...ownerIdsOf(from),...ownerIdsOf(to)])];
+}
+function transferPersonFactor(data,item,personId='all',accountId='all'){
+  if(personId==='all')return 1;
+  const cls=transferClassification(data,item);
+  const from=data.accounts.find(a=>a.id===item.fromAccountId);
+  const to=data.accounts.find(a=>a.id===item.toAccountId);
+  let ids=[];
+  if(cls.key==='shared-funding')ids=ownerIdsOf(from);
+  else if(cls.key==='shared-withdrawal')ids=ownerIdsOf(to);
+  else if(cls.key==='person-transfer'){
+    if(accountId!=='all'&&item.fromAccountId===accountId)ids=ownerIdsOf(from);
+    else if(accountId!=='all'&&item.toAccountId===accountId)ids=ownerIdsOf(to);
+    else ids=transferDirectionalOwnerIds(data,item,'any');
+  } else if(sameOwnershipDomain(from,to)&&from?.ownership==='personal')ids=ownerIdsOf(from);
+  else return personFactor(item,personId);
+  return ids.includes(personId)?1:0;
+}
+function transferPeopleLabel(data,item){
+  if(transferClassification(data,item).key!=='person-transfer')return personListLabel(data,item);
+  const fromIds=transferDirectionalOwnerIds(data,item,'out');
+  const toIds=transferDirectionalOwnerIds(data,item,'in');
+  const from=fromIds.length?fromIds.map(id=>personName(data,id)).join(', '):'Unbekannt';
+  const to=toIds.length?toIds.map(id=>personName(data,id)).join(', '):'Unbekannt';
+  return `${from} → ${to}`;
+}
 
 function calc(data, includeTransfers = true) {
   const includePeriodic = data.settings?.includePeriodicInBalance !== false;
@@ -199,7 +230,7 @@ function annualForecast(data, accountId = 'all', year = new Date().getFullYear()
   };
   const relevantIncome = item => incomeFactor(item)>0 && (isAll || item.accountId === accountId);
   const relevantExpense = item => personMatches(item,personId) && (isAll || item.accountId === accountId);
-  const relevantTransfer = item => personMatches(item,personId) && (isAll || item.fromAccountId === accountId || item.toAccountId === accountId);
+  const relevantTransfer = item => transferPersonFactor(data,item,personId,accountId)>0 && (isAll || item.fromAccountId === accountId || item.toAccountId === accountId);
   for (const item of data.incomes.filter(relevantIncome)) {
     const factor=incomeFactor(item);
     for (let m=0;m<12;m++) if (occursInMonth(item,m,year)) { const amount=effectiveAmount(item,year,m)*factor; rows[m].income += amount; rows[m].items.push({ ...item, kind:'income', forecastAmount:amount }); }
@@ -209,7 +240,7 @@ function annualForecast(data, accountId = 'all', year = new Date().getFullYear()
     for (let m=0;m<12;m++) if (occursInMonth(item,m,year)) { const amount=effectiveAmount(item,year,m)*factor; rows[m].expense += amount; rows[m].items.push({ ...item, kind:'expense', forecastAmount:amount }); }
   }
   if (includeTransfers) for (const item of data.transfers.filter(relevantTransfer)) {
-    const factor=personFactor(item,personId);
+    const factor=transferPersonFactor(data,item,personId,accountId);
     for (let m=0;m<12;m++) if (occursInMonth(item,m,year)) {
       const amount = Number(item.amount || 0) * factor;
       if (isAll) {
@@ -272,9 +303,9 @@ function categoryStats(data, accountId = 'all', personId = 'all', includeTransfe
   };
   const incomeItems=(data.incomes||[]).filter(x=>(isAll||x.accountId===accountId)&&incomeFactor(x)>0).map(x=>({...x,_statType:'income',_statFactor:incomeFactor(x)}));
   const expenseItems=(data.expenses||[]).filter(x=>(isAll||x.accountId===accountId)&&defaultFactor(x)>0).map(x=>({...x,_statType:'expense',_statFactor:defaultFactor(x)}));
-  const transferItems=includeTransfers?(data.transfers||[]).filter(x=>defaultFactor(x)>0&&(isAll||x.fromAccountId===accountId||x.toAccountId===accountId)).map(x=>{
+  const transferItems=includeTransfers?(data.transfers||[]).filter(x=>transferPersonFactor(data,x,personId,accountId)>0&&(isAll||x.fromAccountId===accountId||x.toAccountId===accountId)).map(x=>{
     const direction=isAll?'neutral':x.toAccountId===accountId?'in':'out';
-    return {...x,_statType:direction==='in'?'transfer-in':direction==='out'?'transfer-out':'transfer',_statFactor:defaultFactor(x)};
+    return {...x,_statType:direction==='in'?'transfer-in':direction==='out'?'transfer-out':'transfer',_statFactor:transferPersonFactor(data,x,personId,accountId)};
   }):[];
   return { incomes:aggregate(incomeItems,x=>x._statFactor), expenses:aggregate(expenseItems,x=>x._statFactor), transfers:aggregate(transferItems,x=>x._statFactor), includeTransfers };
 }
@@ -372,33 +403,65 @@ function sharedFinanceStats(data, personId='all'){
 function personFlowStats(data, accountId = 'all', personId = 'all', includeTransfers = true) {
   const isAll=accountId==='all';
   if(!isAll){
+    const selectedAccount=data.accounts.find(a=>a.id===accountId);
     const buckets=new Map();const ensure=id=>{const key=id||'__unassigned__';if(!buckets.has(key))buckets.set(key,{id:key,name:key==='__unassigned__'?'Ohne Person':personName(data,key),income:0,expense:0,transferIn:0,transferOut:0,displayIn:0,displayOut:0,net:0});return buckets.get(key);};
     const splitTargets=item=>{const ids=personIdsOf(item);if(!ids.length)return personId==='all'?[['__unassigned__',1]]:[];if(personId!=='all')return ids.includes(personId)?[[personId,1/ids.length]]:[];return ids.map(id=>[id,1/ids.length]);};
+    const transferTargets=item=>{
+      const direction=item.fromAccountId===accountId?'out':'in';
+      const cls=transferClassification(data,item);
+      let ids=[];
+      if(selectedAccount?.ownership==='personal')ids=ownerIdsOf(selectedAccount);
+      else if(cls.key==='shared-funding')ids=transferDirectionalOwnerIds(data,item,'out');
+      else if(cls.key==='shared-withdrawal')ids=transferDirectionalOwnerIds(data,item,'in');
+      else if(cls.key==='person-transfer')ids=transferDirectionalOwnerIds(data,item,direction);
+      else ids=personIdsOf(item);
+      if(!ids.length)ids=ownerIdsOf(selectedAccount);
+      if(!ids.length)return personId==='all'?[['__unassigned__',1]]:[];
+      if(personId!=='all')return ids.includes(personId)?[[personId,1/ids.length]]:[];
+      return ids.map(id=>[id,1/ids.length]);
+    };
     for(const item of data.incomes||[]){if(item.accountId!==accountId)continue;const amount=monthlyEquivalent(item);for(const [id,factor] of splitTargets(item))ensure(id).income+=amount*factor;}
     for(const item of data.expenses||[]){if(item.accountId!==accountId)continue;const amount=monthlyEquivalent(item);for(const [id,factor] of splitTargets(item))ensure(id).expense+=amount*factor;}
-    if(includeTransfers)for(const item of data.transfers||[]){if(item.fromAccountId!==accountId&&item.toAccountId!==accountId)continue;const amount=monthlyEquivalent(item);for(const [id,factor] of splitTargets(item)){const b=ensure(id),share=amount*factor;if(item.toAccountId===accountId)b.transferIn+=share;if(item.fromAccountId===accountId)b.transferOut+=share;}}
+    // Transfers gehören immer zur echten Kontoliquidität. Der Schalter steuert nur, ob die Details sichtbar sind.
-    for(const row of buckets.values()){row.displayIn=row.income+(includeTransfers?row.transferIn:0);row.displayOut=row.expense+(includeTransfers?row.transferOut:0);row.net=row.displayIn-row.displayOut;}
+    for(const item of data.transfers||[]){if(item.fromAccountId!==accountId&&item.toAccountId!==accountId)continue;const amount=monthlyEquivalent(item);for(const [id,factor] of transferTargets(item)){const b=ensure(id),share=amount*factor;if(item.toAccountId===accountId)b.transferIn+=share;if(item.fromAccountId===accountId)b.transferOut+=share;}}
+    for(const row of buckets.values()){row.displayIn=row.income+row.transferIn;row.displayOut=row.expense+row.transferOut;row.net=row.displayIn-row.displayOut;}
     let rows=[...buckets.values()];if(personId!=='all')rows=rows.filter(x=>x.id===personId);else rows=rows.filter(x=>x.displayIn||x.displayOut);rows.sort((a,b)=>b.displayOut-a.displayOut||a.name.localeCompare(b.name,'de'));
     const totals=rows.reduce((sum,row)=>({displayIn:sum.displayIn+row.displayIn,displayOut:sum.displayOut+row.displayOut,net:sum.net+row.net}),{displayIn:0,displayOut:0,net:0});
     return {rows,totals,isAll:false,includeTransfers};
   }
 
-  const buckets=new Map();const ensure=id=>{const key=id||'__unassigned__';if(!buckets.has(key))buckets.set(key,{id:key,name:key==='__unassigned__'?'Ohne Person':personName(data,key),personalIncome:0,expenseShare:0,sharedExpenseShare:0,sharedCoverage:0,netCost:0,available:0,sharedFundingTarget:0,sharedFundingActual:0,sharedFundingDifference:0,assetBuild:0});return buckets.get(key);};
+  const buckets=new Map();const ensure=id=>{const key=id||'__unassigned__';if(!buckets.has(key))buckets.set(key,{id:key,name:key==='__unassigned__'?'Ohne Person':personName(data,key),personalIncome:0,expenseShare:0,sharedExpenseShare:0,sharedCoverage:0,netCost:0,economicAvailable:0,liquidIncome:0,liquidExpense:0,liquidTransferIn:0,liquidTransferOut:0,liquidAvailable:0,sharedFundingTarget:0,sharedFundingActual:0,sharedFundingDifference:0,assetBuild:0});return buckets.get(key);};
   for(const person of data.persons||[])ensure(person.id);
   for(const item of data.incomes||[]){const account=data.accounts.find(a=>a.id===item.accountId);if(account?.ownership==='personal'){for(const id of ownerIdsOf(account))ensure(id).personalIncome+=monthlyEquivalent(item);}}
   for(const item of data.expenses||[]){const amount=monthlyEquivalent(item),ids=personIdsOf(item);const account=data.accounts.find(a=>a.id===item.accountId);const targets=ids.length?ids:['__unassigned__'];for(const id of targets){const row=ensure(id);const share=amount/targets.length;row.expenseShare+=share;if(account?.ownership==='shared')row.sharedExpenseShare+=share;}}
   const shared=sharedFinanceStats(data,'all');
   for(const group of shared.groups){const covered=Math.min(group.income,group.expense);const totalCost=group.personRows.reduce((sum,r)=>sum+r.grossCost,0);for(const pr of group.personRows){const row=ensure(pr.id);row.sharedCoverage+=totalCost>0?covered*(pr.grossCost/totalCost):0;row.sharedFundingTarget+=pr.targetFunding;row.sharedFundingActual+=pr.actualFunding;}}
-  if(includeTransfers)for(const item of data.transfers||[]){const from=data.accounts.find(a=>a.id===item.fromAccountId),to=data.accounts.find(a=>a.id===item.toAccountId);if(from?.ownership!=='personal'||!sameOwnershipDomain(from,to))continue;const fromAsset=isAssetAccount(from),toAsset=isAssetAccount(to);const delta=!fromAsset&&toAsset?monthlyEquivalent(item):fromAsset&&!toAsset?-monthlyEquivalent(item):0;if(!delta)continue;const ids=ownerIdsOf(from);if(!ids.length){ensure('__unassigned__').assetBuild+=delta;continue;}for(const id of ids)ensure(id).assetBuild+=delta/ids.length;}
+
-  for(const row of buckets.values()){row.netCost=Math.max(0,row.expenseShare-row.sharedCoverage);row.available=row.personalIncome-row.netCost;row.sharedFundingDifference=row.sharedFundingActual-row.sharedFundingTarget;}
+  // Persönlich verfügbare Liquidität wird ausschließlich aus persönlichen Zahlungsverkehrskonten abgeleitet.
-  let rows=[...buckets.values()];if(personId!=='all')rows=rows.filter(x=>x.id===personId);else rows=rows.filter(x=>x.personalIncome||x.expenseShare||x.sharedCoverage||x.sharedFundingActual||x.assetBuild);rows.sort((a,b)=>b.netCost-a.netCost||a.name.localeCompare(b.name,'de'));
+  // So reduzieren Sparen, Gemeinschaftsfinanzierung und Transfers an andere Personen den verfügbaren Betrag,
-  const totals=rows.reduce((sum,row)=>({personalIncome:sum.personalIncome+row.personalIncome,expenseShare:sum.expenseShare+row.expenseShare,sharedCoverage:sum.sharedCoverage+row.sharedCoverage,netCost:sum.netCost+row.netCost,available:sum.available+row.available,sharedFundingTarget:sum.sharedFundingTarget+row.sharedFundingTarget,sharedFundingActual:sum.sharedFundingActual+row.sharedFundingActual,assetBuild:sum.assetBuild+row.assetBuild}),{personalIncome:0,expenseShare:0,sharedCoverage:0,netCost:0,available:0,sharedFundingTarget:0,sharedFundingActual:0,assetBuild:0});
+  // ohne dadurch zu Konsumausgaben zu werden.
+  const liquidAccountOwner=new Map();
+  for(const account of data.accounts||[]){if(account.ownership!=='personal'||isAssetAccount(account))continue;const ids=ownerIdsOf(account);if(ids.length===1)liquidAccountOwner.set(account.id,ids[0]);}
+  for(const item of data.incomes||[]){const id=liquidAccountOwner.get(item.accountId);if(id)ensure(id).liquidIncome+=monthlyEquivalent(item);}
+  for(const item of data.expenses||[]){const id=liquidAccountOwner.get(item.accountId);if(id)ensure(id).liquidExpense+=monthlyEquivalent(item);}
+  for(const item of data.transfers||[]){
+    const amount=monthlyEquivalent(item);const fromId=liquidAccountOwner.get(item.fromAccountId),toId=liquidAccountOwner.get(item.toAccountId);
+    if(fromId)ensure(fromId).liquidTransferOut+=amount;
+    if(toId)ensure(toId).liquidTransferIn+=amount;
+  }
+
+  // Vermögensaufbau bleibt eine separate wirtschaftliche Information und ist unabhängig davon,
+  // ob die Transferdetails gerade eingeblendet werden.
+  for(const item of data.transfers||[]){const from=data.accounts.find(a=>a.id===item.fromAccountId),to=data.accounts.find(a=>a.id===item.toAccountId);if(from?.ownership!=='personal'||!sameOwnershipDomain(from,to))continue;const fromAsset=isAssetAccount(from),toAsset=isAssetAccount(to);const delta=!fromAsset&&toAsset?monthlyEquivalent(item):fromAsset&&!toAsset?-monthlyEquivalent(item):0;if(!delta)continue;const ids=ownerIdsOf(from);if(!ids.length){ensure('__unassigned__').assetBuild+=delta;continue;}for(const id of ids)ensure(id).assetBuild+=delta/ids.length;}
+  for(const row of buckets.values()){row.netCost=Math.max(0,row.expenseShare-row.sharedCoverage);row.economicAvailable=row.personalIncome-row.netCost;row.liquidAvailable=row.liquidIncome-row.liquidExpense+row.liquidTransferIn-row.liquidTransferOut;row.sharedFundingDifference=row.sharedFundingActual-row.sharedFundingTarget;}
+  let rows=[...buckets.values()];if(personId!=='all')rows=rows.filter(x=>x.id===personId);else rows=rows.filter(x=>x.personalIncome||x.expenseShare||x.sharedCoverage||x.sharedFundingActual||x.assetBuild||x.liquidIncome||x.liquidExpense||x.liquidTransferIn||x.liquidTransferOut);rows.sort((a,b)=>b.netCost-a.netCost||a.name.localeCompare(b.name,'de'));
+  const totals=rows.reduce((sum,row)=>({personalIncome:sum.personalIncome+row.personalIncome,expenseShare:sum.expenseShare+row.expenseShare,sharedCoverage:sum.sharedCoverage+row.sharedCoverage,netCost:sum.netCost+row.netCost,economicAvailable:sum.economicAvailable+row.economicAvailable,liquidIncome:sum.liquidIncome+row.liquidIncome,liquidExpense:sum.liquidExpense+row.liquidExpense,liquidTransferIn:sum.liquidTransferIn+row.liquidTransferIn,liquidTransferOut:sum.liquidTransferOut+row.liquidTransferOut,liquidAvailable:sum.liquidAvailable+row.liquidAvailable,sharedFundingTarget:sum.sharedFundingTarget+row.sharedFundingTarget,sharedFundingActual:sum.sharedFundingActual+row.sharedFundingActual,assetBuild:sum.assetBuild+row.assetBuild}),{personalIncome:0,expenseShare:0,sharedCoverage:0,netCost:0,economicAvailable:0,liquidIncome:0,liquidExpense:0,liquidTransferIn:0,liquidTransferOut:0,liquidAvailable:0,sharedFundingTarget:0,sharedFundingActual:0,assetBuild:0});
   return {rows,totals,isAll:true,includeTransfers};
 }
 
 function PersonFlowOverview({stats}){
-  if(!stats.isAll)return <section className="panel person-flow-panel"><div className="section-head"><div><h2>Personenbezogene Kontoflüsse</h2><p>Auf einem einzelnen Konto werden tatsächliche Zu- und Abflüsse gezeigt. Transfers bleiben als Transfers getrennt erkennbar.</p></div><strong className={`person-flow-total ${stats.totals.net>=0?'good-text':'bad-text'}`}>{stats.totals.net>=0?'+':''}{formatMoney(stats.totals.net)} / Monat</strong></div>{stats.rows.length===0?<Empty text="Noch keine personenbezogenen Werte für diese Auswahl vorhanden."/>:<div className="person-flow-list">{stats.rows.map(row=><div className="person-flow-row" key={row.id}><div className="person-flow-head"><div><span className={`person-badge ${row.id==='__unassigned__'?'muted-person':''}`}>{row.name}</span><small>Nettofluss auf diesem Konto</small></div><strong className={row.net>=0?'good-text':'bad-text'}>{row.net>=0?'+':''}{formatMoney(row.net)}</strong></div><div className="person-flow-grid"><div><span>Zuflüsse</span><strong className="good-text">+{formatMoney(row.displayIn)}</strong></div><div><span>Abflüsse</span><strong className="bad-text">−{formatMoney(row.displayOut)}</strong></div>{stats.includeTransfers&&<><div><span>Transfers rein</span><strong className="good-text">+{formatMoney(row.transferIn)}</strong></div><div><span>Transfers raus</span><strong className="bad-text">−{formatMoney(row.transferOut)}</strong></div></>}</div></div>)}</div>}</section>;
+  if(!stats.isAll)return <section className="panel person-flow-panel"><div className="section-head"><div><h2>Personenbezogene Kontoflüsse</h2><p>Auf einem einzelnen Konto werden tatsächliche Zu- und Abflüsse gezeigt. Transfers sind immer im Nettofluss enthalten; der Schalter blendet nur die Transferdetails ein oder aus.</p></div><strong className={`person-flow-total ${stats.totals.net>=0?'good-text':'bad-text'}`}>{stats.totals.net>=0?'+':''}{formatMoney(stats.totals.net)} / Monat</strong></div>{stats.rows.length===0?<Empty text="Noch keine personenbezogenen Werte für diese Auswahl vorhanden."/>:<div className="person-flow-list">{stats.rows.map(row=><div className="person-flow-row" key={row.id}><div className="person-flow-head"><div><span className={`person-badge ${row.id==='__unassigned__'?'muted-person':''}`}>{row.name}</span><small>Nettofluss auf diesem Konto</small></div><strong className={row.net>=0?'good-text':'bad-text'}>{row.net>=0?'+':''}{formatMoney(row.net)}</strong></div><div className="person-flow-grid"><div><span>Zuflüsse inkl. Transfers</span><strong className="good-text">+{formatMoney(row.displayIn)}</strong></div><div><span>Abflüsse inkl. Transfers</span><strong className="bad-text">−{formatMoney(row.displayOut)}</strong></div>{stats.includeTransfers&&<><div><span>Transfers rein</span><strong className="good-text">+{formatMoney(row.transferIn)}</strong></div><div><span>Transfers raus</span><strong className="bad-text">−{formatMoney(row.transferOut)}</strong></div></>}</div></div>)}</div>}</section>;
-  return <section className="panel person-flow-panel"><div className="section-head"><div><h2>Persönliche wirtschaftliche Sicht</h2><p>Eigene Einnahmen entstehen nur auf persönlich zugeordneten Konten. Gemeinsame Einnahmen erhöhen kein persönliches Einkommen, sondern reduzieren die gemeinsame Kostenlast.</p></div><strong className={`person-flow-total ${stats.totals.available>=0?'good-text':'bad-text'}`}>{stats.totals.available>=0?'+':''}{formatMoney(stats.totals.available)} / Monat</strong></div>{stats.rows.length===0?<Empty text="Noch keine personenbezogenen Werte vorhanden."/>:<div className="person-flow-list">{stats.rows.map(row=><div className="person-flow-row" key={row.id}><div className="person-flow-head"><div><span className={`person-badge ${row.id==='__unassigned__'?'muted-person':''}`}>{row.name}</span><small>Persönliche Einnahmen minus wirtschaftliche Kostenlast</small></div><strong className={row.available>=0?'good-text':'bad-text'}>{row.available>=0?'+':''}{formatMoney(row.available)}</strong></div><div className="person-flow-grid"><div><span>Eigene Kontoeingänge</span><strong className="good-text">+{formatMoney(row.personalIncome)}</strong></div><div><span>Kostenanteil gesamt</span><strong className="bad-text">−{formatMoney(row.expenseShare)}</strong></div><div><span>Gemeinsame Deckung</span><strong className="good-text">+{formatMoney(row.sharedCoverage)}</strong></div><div><span>Netto-Kostenlast</span><strong className="bad-text">−{formatMoney(row.netCost)}</strong></div>{stats.includeTransfers&&<><div><span>Gemeinschaft finanziert</span><strong>{formatMoney(row.sharedFundingActual)}</strong></div><div><span>Vermögensaufbau netto</span><strong className={row.assetBuild>=0?'good-text':'bad-text'}>{row.assetBuild>=0?'+':''}{formatMoney(row.assetBuild)}</strong></div></>}</div></div>)}</div>}</section>;
+  return <section className="panel person-flow-panel"><div className="section-head"><div><h2>Persönliche Sicht</h2><p>Wirtschaftliche Kosten und echte persönliche Liquidität werden getrennt gezeigt. Transfers verändern die verfügbare Liquidität, bleiben aber außerhalb der Kostenstatistik.</p></div><strong className={`person-flow-total ${stats.totals.liquidAvailable>=0?'good-text':'bad-text'}`}>{stats.totals.liquidAvailable>=0?'+':''}{formatMoney(stats.totals.liquidAvailable)} / Monat verfügbar</strong></div>{stats.rows.length===0?<Empty text="Noch keine personenbezogenen Werte vorhanden."/>:<div className="person-flow-list">{stats.rows.map(row=><div className="person-flow-row" key={row.id}><div className="person-flow-head"><div><span className={`person-badge ${row.id==='__unassigned__'?'muted-person':''}`}>{row.name}</span><small>Liquid verfügbar auf persönlichen Zahlungsverkehrskonten</small></div><strong className={row.liquidAvailable>=0?'good-text':'bad-text'}>{row.liquidAvailable>=0?'+':''}{formatMoney(row.liquidAvailable)}</strong></div><div className="person-flow-grid"><div><span>Wirtschaftlich verfügbar</span><strong className={row.economicAvailable>=0?'good-text':'bad-text'}>{row.economicAvailable>=0?'+':''}{formatMoney(row.economicAvailable)}</strong></div><div><span>Netto-Kostenlast</span><strong className="bad-text">−{formatMoney(row.netCost)}</strong></div><div><span>Eigene Kontoeingänge</span><strong className="good-text">+{formatMoney(row.personalIncome)}</strong></div><div><span>Gemeinsame Deckung</span><strong className="good-text">+{formatMoney(row.sharedCoverage)}</strong></div>{stats.includeTransfers&&<><div><span>Liquid-Transfers rein</span><strong className="good-text">+{formatMoney(row.liquidTransferIn)}</strong></div><div><span>Liquid-Transfers raus</span><strong className="bad-text">−{formatMoney(row.liquidTransferOut)}</strong></div><div><span>Gemeinschaft finanziert</span><strong>{formatMoney(row.sharedFundingActual)}</strong></div><div><span>Vermögensaufbau netto</span><strong className={row.assetBuild>=0?'good-text':'bad-text'}>{row.assetBuild>=0?'+':''}{formatMoney(row.assetBuild)}</strong></div></>}</div></div>)}</div>}</section>;
 }
 
 function SharedFundingOverview({data,personId='all',showTransfers=true}){
@@ -517,8 +580,8 @@ const TRANSFER_PREF_KEY='fixfin.include-transfers.v1';
 function readTransferPreference(){try{return localStorage.getItem(TRANSFER_PREF_KEY)!=='false';}catch{return true;}}
 function TransferToggle({enabled,onChange,compact=false,context='display'}){
   const exportMode=context==='export';
-  const title=exportMode?'Transfers im Auszug':'Transfer-/Finanzierungsströme anzeigen';
+  const title=exportMode?'Transfers im Auszug':'Transferdetails anzeigen';
-  const copy=exportMode?(enabled?'Transfers werden als eigene Zeilen in PDF und Excel ausgegeben.':'PDF und Excel enthalten nur echte Eingänge und Ausgaben.'):(enabled?'Umbuchungen werden separat sichtbar. Kosten- und Einnahmenstatistiken bleiben davon unberührt.':'Transferdetails sind ausgeblendet. Kontosalden bleiben trotzdem echte Liquiditätssalden.');
+  const copy=exportMode?(enabled?'Transfers werden als eigene Zeilen in PDF und Excel ausgegeben.':'PDF und Excel enthalten nur echte Eingänge und Ausgaben.'):(enabled?'Transfers werden separat aufgeschlüsselt. Salden und verfügbare Liquidität enthalten sie immer.':'Transferdetails sind ausgeblendet. Salden und verfügbare Liquidität bleiben unverändert korrekt.');
   return <section className={`toggle-panel transfer-toggle ${compact?'compact-transfer-toggle':''}`}><div><strong>{title}</strong><span>{copy}</span></div><button type="button" className={`switch ${enabled?'on':''}`} onClick={()=>onChange(!enabled)} role="switch" aria-checked={enabled} aria-label={title}><span/></button></section>;
 }
 
@@ -717,7 +780,7 @@ function Entries({type,items,accounts,categories,persons,onEdit,onDuplicate,onDe
 function Transfers({data,onEdit,onDuplicate,onDelete}){
   const accountNameLocal=id=>data.accounts.find(a=>a.id===id)?.name||'Unbekannt';
   const categoryNameLocal=id=>data.categories.find(c=>c.id===id)?.name||'Ohne Kategorie';
-  const personLabelLocal=item=>personListLabel(data,item);
+  const personLabelLocal=item=>transferPeopleLabel(data,item);
   const dueText=x=>x.interval==='monthly'?'Jeden Monat':x.dueMonth?months[Number(x.dueMonth)-1]:'Nicht festgelegt';
   return <section className="panel movement-list-panel"><div className="section-head"><div><h2>Fixe Transfers</h2><p>Transfers werden automatisch anhand von Eigentum und Kontofunktion klassifiziert. Sie beeinflussen Kontoliquidität, sind aber keine Konsumausgaben.</p></div></div>{data.transfers.length===0?<Empty text="Noch keine Transfers vorhanden."/>:<>
     <div className="table-wrap movement-desktop-table"><table><thead><tr><th>Bezeichnung</th><th>Typ</th><th>Personen</th><th>Kategorie</th><th>Von</th><th>Nach</th><th>Intervall</th><th className="number">Ø / Monat</th><th></th></tr></thead><tbody>{data.transfers.map(x=>{const cls=transferClassification(data,x);return <tr key={x.id}><td><strong>{x.name}</strong>{x.endDate&&<span className="end-badge">bis {formatDate(x.endDate)}</span>}</td><td><span className={`transfer-class-badge ${cls.key}`}>{cls.label}</span></td><td><span className={`person-badge ${personIdsOf(x).length?'':'muted-person'}`}>{personLabelLocal(x)}</span></td><td><span className={`category-badge ${x.categoryId?'':'muted-category'}`}>{categoryNameLocal(x.categoryId)}</span></td><td>{accountNameLocal(x.fromAccountId)}</td><td>{accountNameLocal(x.toAccountId)}</td><td><span className="interval-badge">{intervals[x.interval||'monthly'].label}</span></td><td className="number">{formatMoney(monthlyEquivalent(x))}</td><td className="actions"><button onClick={()=>onDuplicate(x)}>Duplizieren</button><button onClick={()=>onEdit(x)}>Bearbeiten</button><button className="danger" onClick={()=>onDelete('transfers',x.id)}>Löschen</button></td></tr>})}</tbody></table></div>
@@ -735,7 +798,7 @@ function transferTypeStats(data,accountId='all',personId='all'){
   const isAll=accountId==='all';const buckets=new Map();
   for(const item of data.transfers||[]){
     if(!isAll&&item.fromAccountId!==accountId&&item.toAccountId!==accountId)continue;
-    const factor=personFactor(item,personId);if(!factor)continue;
+    const factor=transferPersonFactor(data,item,personId,accountId);if(!factor)continue;
     const cls=transferClassification(data,item);const amount=monthlyEquivalent(item)*factor;
     const row=buckets.get(cls.key)||{key:cls.key,label:cls.label,description:cls.description,amount:0,in:0,out:0,count:0};
     row.amount+=amount;row.count+=1;if(!isAll){if(item.toAccountId===accountId)row.in+=amount;if(item.fromAccountId===accountId)row.out+=amount;}buckets.set(cls.key,row);