fix(reconcile): fill earliest month deficit first in multi-month allocations

Replace proportional split with a fill-first loop that allocates
min(remaining, deficit) to each matched month in user-supplied order,
where deficit = expected - already_paid. Prior transactions' contributions
are now properly accounted for, so a second payment on overlapping months
fills only what's still owed instead of splitting proportionally by total
expected. Surplus after all deficits are covered goes to the credit bucket.

Fixes: Matyáš Thér 200+550 showing 566/183 instead of 500/250.

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

go/internal/domain/reconcile/reconcile.go

@@ -115,10 +115,11 @@ type monthExpected struct {
 	expected int
 }
 
-// Reconcile matches transactions to members and months using three allocation phases:
-//  1. Greedy: payment ≥ total expected → fill each month exactly; overflow → credit.
-//  2. Proportional: payment < total → distribute by each month's share; last absorbs float remainder.
-//  3. Even-split fallback: all expected fees are 0 (prepayment) → divide equally.
+// Reconcile matches transactions to members and months using two allocation phases:
+//  1. Fill-first: iterate matched months in user-supplied order, allocating min(remaining,
+//     deficit) to each month where deficit = expected − already-paid. Surplus → credit.
+//     Handles both the "greedy" (payment covers all) and "partial" cases in one pass.
+//  2. Even-split fallback: all expected fees are 0 (prepayment) → divide equally.
 //
 // defaultYear seeds czech.ParseMonthReferences in the inference fallback.
 // Pass time.Now().Year() in production; pass a fixed year in tests.
@@ -317,34 +318,26 @@ func Reconcile(
 				totalExpected += mw.expected
 			}
 
-			if totalExpected > 0 && inWindowShare >= float64(totalExpected) {
-				// Greedy: payment covers all expected fees; overflow → credit
-				credits[memberName] += int(inWindowShare - float64(totalExpected))
-				for _, mw := range inWindow {
-					alloc := float64(mw.expected)
-					md := ledger[memberName][mw.month]
-					md.Paid += alloc
-					md.Transactions = append(md.Transactions, TxEntry{
-						Amount:     alloc,
-						Date:       tx.Date,
-						Sender:     tx.Sender,
-						Message:    tx.Message,
-						Confidence: string(m.Confidence),
-					})
-					ledger[memberName][mw.month] = md
-				}
-			} else if totalExpected > 0 {
-				// Proportional: distribute by each month's share; last month absorbs float remainder
+			if totalExpected > 0 {
+				// Fill-first: iterate inWindow in matched-months order (chronological by
+				// convention), allocating min(remaining, deficit) to each month. Deficit
+				// is net of what prior transactions already paid, so a second payment on
+				// the same months correctly fills only what remains due. Any surplus after
+				// all deficits are covered goes to the credit bucket.
 				remaining := inWindowShare
-				for i, mw := range inWindow {
-					var alloc float64
-					if i == len(inWindow)-1 {
-						alloc = remaining
-					} else {
-						alloc = inWindowShare * float64(mw.expected) / float64(totalExpected)
-					}
-					remaining -= alloc
+				for _, mw := range inWindow {
 					md := ledger[memberName][mw.month]
+					deficit := float64(mw.expected) - md.Paid
+					if deficit < 0 {
+						deficit = 0
+					}
+					alloc := remaining
+					if deficit < alloc {
+						alloc = deficit
+					}
+					if alloc <= 0 {
+						continue
+					}
 					md.Paid += alloc
 					md.Transactions = append(md.Transactions, TxEntry{
 						Amount:     alloc,
@@ -354,6 +347,10 @@ func Reconcile(
 						Confidence: string(m.Confidence),
 					})
 					ledger[memberName][mw.month] = md
+					remaining -= alloc
+				}
+				if remaining > 0 {
+					credits[memberName] += int(remaining)
 				}
 			} else {
 				// Even-split fallback: prepayment before attendance recorded