fix: keep savings accounts editable without target flag

tests/test_routes.py

@@ -101,6 +101,19 @@ def test_distribution_dialog_shows_direct_budget_form(logged_in_client):
     assert b"Sparkonto" in response.data
 
 
+def test_distribution_dialog_keeps_direct_budget_form_when_target_flag_is_missing(logged_in_client):
+    month = Month.query.filter_by(label="2026-04").first()
+    sparen_value = next(item for item in month.entry_values if item.entry.name == "Sparziel")
+    sparen_value.entry.is_allocation_target = False
+    db.session.commit()
+
+    response = logged_in_client.get("/planning/2026-04")
+
+    assert response.status_code == 200
+    assert b"Budget direkt anpassen" in response.data
+    assert b"Monatliches Budget" in response.data
+
+
 def test_planning_shows_budgets_and_community_accounts(logged_in_client):
     response = logged_in_client.get("/planning/2026-04")