Realized-savings ledger: counterfactual old-plan cost vs actuals to date #45
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Add a "since you switched" view: for each month with usage data, price the actual consumption under the baseline plan (Anytime, or a user-pinned baseline) using the existing hourly simulation, and compare against the actual reconciled bill (or the modeled current-plan bill where no actual exists). Accumulate into: total realized savings, battery contribution vs plan-switch contribution (the engine already separates these), and % of battery cost recovered. Surface as a card on Overview and a detail table on Projections or Billing.
Rationale: the entire app answers "what would I save?" — nothing answers "what did I save?", yet the data and engine already exist. This turns the tool from a pre-purchase calculator into an ongoing verdict on the decision.
Requires the timezone fix (#22) and annualization fix (#23) first so the counterfactual is trustworthy. Open Question #15 (authoritative vs derived results) should be answered before building, since this is the first feature that wants durable historical results.
Acceptance criteria
Relations: relates to #14; blocked by #22, #23; decision dependency #15
(Audit finding F-26, 2026-07-16 — feature, ranked #1 by value-to-effort)