fix(notifications): honor per-bill reminder_days_before + expose for all bills (BM3)

The notifier used a hard-coded 3-day early reminder and never read
reminder_days_before, so the modal's 'Reminder Days' control was a no-op.
The early reminder now fires at the bill's own lead (>= 2 days so it never
collides with the 1-day/same-day reminders); email subject+body say 'due in
N days'. Lead-time selection extracted to a pure exported reminderTypeFor()
for unit testing. The Reminder Days control now shows for every bill and a
non-subscription save no longer clobbers the column to 3.

Test: tests/notificationLeadTime.test.js

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

HISTORY.md

@@ -3,6 +3,7 @@
 
 ### 🐛 Tracker & bill-modal hardening
 
+- **[Notifications] "Reminder days before" was a dead setting — the notifier ignored it** — every bill has a `reminder_days_before` column (default 3) and the bill modal exposed a "Reminder Days" control for subscriptions, but `services/notificationService.js` used a hard-coded schedule (early reminder always at exactly 3 days out) and never read the column. A user who set "remind me 7 days before" still only got the fixed 3-day/1-day/today reminders. The early reminder now fires at the bill's own `reminder_days_before` lead (only when ≥ 2 days, so it never collides with the 1-day/same-day reminders), and the email subject + body say "due in N days" using that value. The lead-time selection was pulled into a pure, exported `reminderTypeFor(bill, diffDays)` so it's unit-tested directly (`tests/notificationLeadTime.test.js`) — default 3 stays backwards-compatible. The **"Reminder Days Before" control now shows for every bill** (not just subscriptions), and saving a non-subscription bill no longer clobbers the column back to 3. (Tracker BM3)
 - **[Bill modal/SimpleFIN] Importing bank payments didn't refresh the payment list or the Tracker** — the two flows in the bill modal that *create* payments — **Sync** (`syncBillSimplefinPayments`) and a **merchant-rule historical import** (`onRulesChanged` → `importHistoricalPayments`) — only reloaded the linked-transactions list, unlike the unmatch handlers which correctly reload payments *and* linked transactions *and* call `onSave`. So after importing, say, 3 payments from bank history, the modal's Payment History stayed stale and the Tracker row behind it kept showing "due/overdue" even though the bill was now covered — until you closed and reopened. Both paths now `await Promise.all([loadPayments(), loadLinkedTransactions()])` then `onSave?.()`, matching the unmatch pattern, so imported payments appear immediately and the Tracker updates live. (The SimpleFIN *search/preview/candidate* flow was already correct.) (Tracker BM4)
 - **[Tracker/SimpleFIN] Bank card's "unpaid this month" and "remaining" over-counted off-month bills** — `buildBankTracking` (`services/trackerService.js`) summed `expected_amount` for *all* active unpaid bills via SQL with no occurrence gate, so an annual or off-month quarterly bill inflated `unpaid_this_month` (and therefore the bank `remaining`) even though the Tracker rows beside it correctly excluded it — the same class of bug as QA-B5-02, still live on the bank path. `getTracker` now derives the unpaid total from the already-gated rows (via `resolveDueDate`), netting partial payments, and passes it into `buildBankTracking`. Also made `summary.remaining` / `total_remaining` use the bank card's own remaining when bank tracking is on (they previously used manual starting-amount math even in bank mode, disagreeing with safe-to-spend), and switched a stray `balance / 100` to `fromCents`. New test file `tests/trackerService.test.js` covers the gating fix, summary totals, the bank-mode remaining agreement, cents↔dollars integrity, and `getOverdueCount` gating — the dense Tracker aggregation had no dedicated tests before. (Tracker T1)
 - **[Payments] Quick-pay could create duplicate payments and double-drop the balance** — `POST /api/payments/quick` (the one-click "pay" behind every Tracker row) had **no duplicate guard** and its INSERT + balance update weren't atomic, unlike `POST /api/payments/bulk`. A double-click, a retry, or two open tabs made a *second* payment for the same bill/date/amount and applied the balance drop twice; a failure between the INSERT and the balance write left a payment with no balance adjustment. Quick-pay now checks the same `bill_id + paid_date + amount` composite key (returning the existing payment idempotently, HTTP 200) and wraps the INSERT + `applyBalanceDelta` in a single `db.transaction`. A different amount on the same day is still a legitimate new payment. Test: `tests/paymentsQuickRoute.test.js`. (Tracker X1)

client/components/BillModal.jsx

@@ -559,7 +559,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
       auto_mark_paid:    canAutoMarkPaid && autoMarkPaid,
       is_subscription:   isSubscription,
       subscription_type: isSubscription ? subscriptionType : null,
-      reminder_days_before: isSubscription ? parseInt(reminderDaysBefore || '3', 10) : 3,
+      reminder_days_before: parseInt(reminderDaysBefore || '3', 10),
       subscription_source: sourceBill?.subscription_source || 'manual',
       subscription_detected_at: sourceBill?.subscription_detected_at,
       has_2fa:           has2fa,
@@ -788,8 +788,8 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
               </label>
 
               {isSubscription && (
-                <div className="mt-3 grid gap-3 border-t border-border/40 pt-3 sm:grid-cols-2">
+                <div className="mt-3 border-t border-border/40 pt-3">
-                  <div className="space-y-1.5">
+                  <div className="space-y-1.5 sm:max-w-[50%]">
                     <Label className="text-xs uppercase tracking-wider text-muted-foreground">Subscription Type</Label>
                     <Select value={subscriptionType} onValueChange={setSubscriptionType}>
                       <SelectTrigger className={cn(inp, 'w-full')}>
@@ -802,23 +802,30 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
                       </SelectContent>
                     </Select>
                   </div>
-                  <div className="space-y-1.5">
-                    <Label className="text-xs uppercase tracking-wider text-muted-foreground">Reminder Days</Label>
-                    <Input
-                      className={cn(inp, 'tracker-number')}
-                      type="number"
-                      min="0"
-                      max="30"
-                      value={reminderDaysBefore}
-                      onChange={e => setReminderDaysBefore(e.target.value)}
-                    />
-                    <p className="text-[10px] text-muted-foreground/70">0-30 days before renewal.</p>
-                  </div>
                   {/* Bank sync button moved to the Transactions tab → Bank Matching Rules section */}
                 </div>
               )}
             </div>
 
+            {/* Reminder lead time — applies to every bill (the notifier honors
+                reminder_days_before for the early "due soon" reminder). */}
+            <div className="col-span-2 rounded-lg border border-border/60 bg-muted/20 p-3">
+              <div className="space-y-1.5 sm:max-w-[50%]">
+                <Label className="text-xs uppercase tracking-wider text-muted-foreground">Reminder Days Before</Label>
+                <Input
+                  className={cn(inp, 'tracker-number')}
+                  type="number"
+                  min="0"
+                  max="30"
+                  value={reminderDaysBefore}
+                  onChange={e => setReminderDaysBefore(e.target.value)}
+                />
+                <p className="text-[10px] text-muted-foreground/70">
+                  Get an early reminder this many days before the due date (0-30). Also needs reminders enabled in Settings.
+                </p>
+              </div>
+            </div>
+
             {/* Debt / Snowball Details — collapsible */}
             <div className="col-span-2">
               <div className="flex items-center gap-3">

services/notificationService.js

@@ -141,8 +141,32 @@ function senderAddress() {
 
 // ── Email templates ───────────────────────────────────────────────────────────
 
+// Per-bill reminder lead time (days before due) for the early "due soon"
+// reminder. Every bill has a reminder_days_before column (default 3); honor it
+// so a user who asks for "7 days before" actually gets a 7-day reminder.
+function leadDaysOf(bill) {
+  return Number.isInteger(bill?.reminder_days_before) ? bill.reminder_days_before : 3;
+}
+
+// Which reminder type (if any) applies to a bill that is `diffDays` calendar
+// days from its due date. Pure + exported so the lead-time logic is unit-testable
+// without invoking the full runner (which uses the real clock + real senders).
+// The early reminder fires at the bill's own lead time, and only when that lead
+// is ≥ 2 so it never collides with the 1-day or same-day reminders.
+function reminderTypeFor(bill, diffDays) {
+  const leadDays = leadDaysOf(bill);
+  if (diffDays >= 2 && diffDays === leadDays) return 'due_3d';
+  if (diffDays === 1) return 'due_1d';
+  if (diffDays === 0) return 'due_today';
+  if (diffDays < 0)   return 'overdue';
+  return null;
+}
+
 const TYPE_META = {
-  due_3d:    { subject: (b) => `Reminder: ${b.name} due in 3 days`,      urgency: 'upcoming' },
+  // The `due_3d` key is the early reminder; its lead time is the bill's own
+  // reminder_days_before (only fires when that is ≥ 2 — a 1-day lead is covered
+  // by due_1d and a 0-day lead by due_today).
+  due_3d:    { subject: (b) => `Reminder: ${b.name} due in ${leadDaysOf(b)} days`, urgency: 'upcoming' },
   due_1d:    { subject: (b) => `Reminder: ${b.name} due tomorrow`,        urgency: 'soon'     },
   due_today: { subject: (b) => `Due today: ${b.name}`,                    urgency: 'today'    },
   overdue:   { subject: (b) => `Overdue: ${b.name} hasn't been paid`,     urgency: 'overdue'  },
@@ -169,7 +193,7 @@ function buildEmailHtml(bill, type, dueDate) {
   // these message strings (previously raw — an XSS vector via the bill name).
   const name = esc(bill.name);
   const messages = {
-    due_3d:    `<strong>${name}</strong> is due in 3 days.`,
+    due_3d:    `<strong>${name}</strong> is due in ${leadDaysOf(bill)} days.`,
     due_1d:    `<strong>${name}</strong> is due <strong>tomorrow</strong>.`,
     due_today: `<strong>${name}</strong> is due <strong>today</strong>.`,
     overdue:   `<strong>${name}</strong> was due on ${fmt(dueDate)} and has not been marked as paid.`,
@@ -359,12 +383,9 @@ async function runNotifications() {
     const dueDay    = new Date(due.getFullYear(), due.getMonth(), due.getDate());
     const diffDays  = Math.round((dueDay - todayDate) / 86400000);
 
-    // Determine which type applies today
+    // Determine which type applies today. The early reminder fires at the bill's
-    let type = null;
+    // own lead time (reminder_days_before, default 3) rather than a fixed 3 days.
-    if      (diffDays === 3)  type = 'due_3d';
+    const type = reminderTypeFor(bill, diffDays);
-    else if (diffDays === 1)  type = 'due_1d';
-    else if (diffDays === 0)  type = 'due_today';
-    else if (diffDays < 0)    type = 'overdue';
 
     if (!type) continue;
 
@@ -555,3 +576,6 @@ module.exports = { runNotifications, runDriftNotifications, sendTestEmail, creat
 // before it, leaving `_push` undefined → "Send test push" always 500'd).
 module.exports._push = { sendNtfy, sendGotify, sendDiscord, sendTelegram, sendTestPush, sendPushToUser, encryptSecret };
 module.exports._email = { buildEmailHtml, esc };
+// Reminder lead-time logic, exposed for unit tests (the full runner uses the
+// real clock + real senders, so the pure type selection is tested in isolation).
+module.exports._reminders = { reminderTypeFor, leadDaysOf, TYPE_META };

tests/notificationLeadTime.test.js

@@ -0,0 +1,48 @@
+'use strict';
+
+// BM3 — the reminder notifier used a hard-coded 3-day early reminder and never
+// read the bill's reminder_days_before, so the "Reminder days before" control
+// was a no-op. These tests pin the now-honored per-bill lead time (pure logic,
+// no clock/senders) and the dynamic email wording.
+const test = require('node:test');
+const assert = require('node:assert/strict');
+
+const { _reminders, _email } = require('../services/notificationService');
+const { reminderTypeFor, leadDaysOf, TYPE_META } = _reminders;
+
+test('leadDaysOf defaults to 3 and honors an integer reminder_days_before', () => {
+  assert.equal(leadDaysOf({}), 3);
+  assert.equal(leadDaysOf({ reminder_days_before: null }), 3);
+  assert.equal(leadDaysOf({ reminder_days_before: 7 }), 7);
+  assert.equal(leadDaysOf({ reminder_days_before: 0 }), 0);
+});
+
+test('a 7-day lead fires the early reminder at 7 days out, NOT at 3', () => {
+  const bill = { reminder_days_before: 7 };
+  assert.equal(reminderTypeFor(bill, 7), 'due_3d', 'early reminder at the chosen lead');
+  assert.equal(reminderTypeFor(bill, 3), null, 'no reminder at the old fixed 3 days');
+});
+
+test('default (no reminder_days_before) still fires at 3 days — backwards compatible', () => {
+  assert.equal(reminderTypeFor({}, 3), 'due_3d');
+  assert.equal(reminderTypeFor({}, 5), null);
+});
+
+test('1-day and same-day reminders are unaffected and never double up with a small lead', () => {
+  // lead of 1 → the early reminder is suppressed (due_1d covers it)
+  assert.equal(reminderTypeFor({ reminder_days_before: 1 }, 1), 'due_1d');
+  // lead of 0 → due_today covers it
+  assert.equal(reminderTypeFor({ reminder_days_before: 0 }, 0), 'due_today');
+  // generic day/overdue selection
+  assert.equal(reminderTypeFor({ reminder_days_before: 5 }, 1), 'due_1d');
+  assert.equal(reminderTypeFor({ reminder_days_before: 5 }, 0), 'due_today');
+  assert.equal(reminderTypeFor({ reminder_days_before: 5 }, -2), 'overdue');
+  assert.equal(reminderTypeFor({ reminder_days_before: 5 }, 4), null);
+});
+
+test('email subject + body reflect the actual lead days', () => {
+  const bill = { name: 'Insurance', expected_amount: 12000, reminder_days_before: 7 };
+  assert.match(TYPE_META.due_3d.subject(bill), /due in 7 days/);
+  const html = _email.buildEmailHtml(bill, 'due_3d', '2026-07-10');
+  assert.match(html, /is due in 7 days/);
+});