feat: 实现FinWise Pro财智管家 - 完整的财务管理系统

## 新增功能
- 🏦 账户管理：支持多币种账户创建和管理
- 💰 交易管理：收入/支出记录，支持自定义分类和币种
- 🏷️ 分类管理：自定义分类图标和预算币种设置
- 🎯 预算管理：智能预算控制和实时监控
- 📊 报表分析：可视化财务数据展示
- ⚙️ 系统设置：个性化配置和数据管理

## 技术特性
- 自定义币种：支持7种常用币种 + 用户自定义
- 自定义分类：支持自定义图标和分类名称
- 自定义账户：支持自定义账户类型和银行
- 响应式设计：完美适配各种屏幕尺寸
- 深色主题：统一的视觉体验
- 中文界面：完全本地化的用户体验

🤖 Generated with [Claude Code](https://claude.ai/code)

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

apps/web-antd/src/views/finance/tools/index.vue

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+<template>
+  <div class="p-6">
+    <div class="mb-6">
+      <h1 class="text-3xl font-bold text-gray-900 mb-2">🛠️ 财务工具</h1>
+      <p class="text-gray-600">实用的财务计算和分析工具</p>
+    </div>
+    
+    <div class="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6">
+      <Card title="🏠 贷款计算器">
+        <div class="space-y-4">
+          <Input v-model:value="loanForm.amount" placeholder="请输入贷款金额" />
+          <Input v-model:value="loanForm.rate" placeholder="请输入年利率 %" />
+          <Input v-model:value="loanForm.years" placeholder="请输入贷款年限" />
+          <Button type="primary" block @click="calculateLoan">计算月供</Button>
+          <div v-if="loanResult.monthlyPayment" class="mt-4 p-3 bg-blue-50 rounded-lg text-center">
+            <p class="font-medium text-blue-800">月供：¥{{ loanResult.monthlyPayment.toLocaleString() }}</p>
+          </div>
+        </div>
+      </Card>
+      
+      <Card title="📈 投资计算器">
+        <div class="space-y-4">
+          <Input v-model:value="investmentForm.initial" placeholder="请输入初始投资金额" />
+          <Input v-model:value="investmentForm.rate" placeholder="请输入年收益率 %" />
+          <Input v-model:value="investmentForm.years" placeholder="请输入投资期限(年)" />
+          <Button type="primary" block @click="calculateInvestment">计算收益</Button>
+          <div v-if="investmentResult.finalValue" class="mt-4 p-3 bg-green-50 rounded-lg text-center">
+            <p class="font-medium text-green-800">预期收益：¥{{ investmentResult.finalValue.toLocaleString() }}</p>
+          </div>
+        </div>
+      </Card>
+      
+      <Card title="💱 汇率换算">
+        <div class="space-y-4">
+          <Input v-model:value="currencyForm.amount" placeholder="请输入金额" />
+          <Select v-model:value="currencyForm.from" placeholder="原币种" style="width: 100%">
+            <Select.Option value="CNY">🇨🇳 人民币</Select.Option>
+            <Select.Option value="USD">🇺🇸 美元</Select.Option>
+            <Select.Option value="EUR">🇪🇺 欧元</Select.Option>
+          </Select>
+          <Select v-model:value="currencyForm.to" placeholder="目标币种" style="width: 100%">
+            <Select.Option value="USD">🇺🇸 美元</Select.Option>
+            <Select.Option value="CNY">🇨🇳 人民币</Select.Option>
+            <Select.Option value="EUR">🇪🇺 欧元</Select.Option>
+          </Select>
+          <Button type="primary" block @click="convertCurrency">立即换算</Button>
+          <div v-if="currencyResult.converted" class="mt-4 p-3 bg-purple-50 rounded-lg text-center">
+            <p class="font-medium text-purple-800">
+              {{ currencyForm.amount }} {{ currencyForm.from }} = {{ currencyResult.converted }} {{ currencyForm.to }}
+            </p>
+          </div>
+        </div>
+      </Card>
+    </div>
+  </div>
+</template>
+
+<script setup lang="ts">
+import { ref } from 'vue';
+import { Card, Input, Button, Select } from 'ant-design-vue';
+
+defineOptions({ name: 'FinanceTools' });
+
+// 贷款计算器表单
+const loanForm = ref({
+  amount: '',
+  rate: '',
+  years: ''
+});
+
+const loanResult = ref({
+  monthlyPayment: null
+});
+
+// 投资计算器表单
+const investmentForm = ref({
+  initial: '',
+  rate: '',
+  years: ''
+});
+
+const investmentResult = ref({
+  finalValue: null
+});
+
+// 汇率换算表单
+const currencyForm = ref({
+  amount: '',
+  from: 'CNY',
+  to: 'USD'
+});
+
+const currencyResult = ref({
+  converted: null
+});
+
+// 计算方法
+const calculateLoan = () => {
+  const amount = parseFloat(loanForm.value.amount);
+  const rate = parseFloat(loanForm.value.rate) / 100 / 12;
+  const months = parseInt(loanForm.value.years) * 12;
+  
+  if (amount && rate && months) {
+    const monthlyPayment = (amount * rate * Math.pow(1 + rate, months)) / (Math.pow(1 + rate, months) - 1);
+    loanResult.value.monthlyPayment = monthlyPayment;
+  }
+};
+
+const calculateInvestment = () => {
+  const initial = parseFloat(investmentForm.value.initial);
+  const rate = parseFloat(investmentForm.value.rate) / 100;
+  const years = parseInt(investmentForm.value.years);
+  
+  if (initial && rate && years) {
+    const finalValue = initial * Math.pow(1 + rate, years);
+    investmentResult.value.finalValue = finalValue;
+  }
+};
+
+const convertCurrency = () => {
+  const amount = parseFloat(currencyForm.value.amount);
+  // 模拟汇率（实际应用中应该调用汇率API）
+  const rate = currencyForm.value.from === 'CNY' && currencyForm.value.to === 'USD' ? 0.14 : 7.15;
+  
+  if (amount) {
+    currencyResult.value.converted = (amount * rate).toFixed(2);
+  }
+};
+</script>
+
+<style scoped>
+.grid { display: grid; }
+</style>