fix(bank-sync): admin config, matching, and worker updates

client/components/BillModal.jsx

@@ -822,29 +822,33 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
 
             {/* Debt / Snowball Details — collapsible */}
             <div className="col-span-2">
+              <div className="flex items-center gap-3">
+                <div className="h-px flex-1 bg-border/40" />
                 <button
                   type="button"
                   onClick={() => setShowDebtSection(s => !s)}
-                className="flex items-center gap-2 text-xs uppercase tracking-wider text-muted-foreground hover:text-foreground transition-colors w-full text-left py-1"
+                  className="flex items-center gap-1.5 text-[11px] uppercase tracking-wider text-muted-foreground hover:text-foreground transition-colors shrink-0"
                 >
                   <ChevronDown
-                  className={cn('h-3.5 w-3.5 transition-transform duration-150', !showDebtSection && '-rotate-90')}
+                    className={cn('h-3 w-3 transition-transform duration-150', !showDebtSection && '-rotate-90')}
                   />
                   Debt / Snowball Details
                   {isSnowballCategory && (
-                  <span className="ml-1 text-[9px] text-emerald-400 font-semibold tracking-normal normal-case">
+                    <span className="text-[9px] text-emerald-400 font-semibold tracking-normal normal-case">
-                    · snowball auto-detected
+                      · auto-detected
                     </span>
                   )}
                   {!showOnSnowball && isSnowballCategory && (
-                  <span className="ml-1 text-[9px] text-amber-400 font-semibold tracking-normal normal-case">
+                    <span className="text-[9px] text-amber-400 font-semibold tracking-normal normal-case">
                       · exempt
                     </span>
                   )}
                 </button>
+                <div className="h-px flex-1 bg-border/40" />
+              </div>
 
               {showDebtSection && (
-                <div className="grid sm:grid-cols-2 gap-x-5 gap-y-4 mt-3 pt-3 border-t border-border/40">
+                <div className="grid sm:grid-cols-2 gap-x-5 gap-y-4 mt-3 p-3 rounded-xl bg-muted/20 border border-border/30">
 
                   {/* Interest Rate */}
                   <div className="space-y-1.5">

client/components/admin/BankSyncAdminCard.jsx

@@ -7,9 +7,15 @@ import { Input } from '@/components/ui/input';
 import { Card, CardHeader, CardTitle, CardContent } from '@/components/ui/card';
 import { Toggle } from './adminShared';
 
+function parseUtc(str) {
+  if (!str) return null;
+  const normalized = str.includes('T') ? str : str.replace(' ', 'T') + 'Z';
+  return new Date(normalized);
+}
+
 function timeAgo(iso) {
   if (!iso) return null;
-  const secs = Math.floor((Date.now() - new Date(iso).getTime()) / 1000);
+  const secs = Math.floor((Date.now() - parseUtc(iso).getTime()) / 1000);
   if (secs < 60)  return 'just now';
   if (secs < 3600) return `${Math.floor(secs / 60)}m ago`;
   if (secs < 86400) return `${Math.floor(secs / 3600)}h ago`;
@@ -18,7 +24,7 @@ function timeAgo(iso) {
 
 function timeUntil(iso) {
   if (!iso) return null;
-  const secs = Math.floor((new Date(iso).getTime() - Date.now()) / 1000);
+  const secs = Math.floor((parseUtc(iso).getTime() - Date.now()) / 1000);
   if (secs <= 0) return 'soon';
   if (secs < 60) return `${secs}s`;
   if (secs < 3600) return `${Math.floor(secs / 60)}m`;
@@ -33,6 +39,7 @@ export default function BankSyncAdminCard() {
   const [enabled, setEnabled]           = useState(false);
   const [syncInterval, setSyncInterval] = useState(4);
   const [syncDays, setSyncDays]         = useState(30);
+  const [debugLogging, setDebugLogging] = useState(false);
 
   useEffect(() => {
     api.bankSyncConfig()
@@ -41,6 +48,7 @@ export default function BankSyncAdminCard() {
         setEnabled(!!d.enabled);
         setSyncInterval(d.sync_interval_hours ?? 4);
         setSyncDays(d.sync_days ?? 30);
+        setDebugLogging(!!d.debug_logging);
       })
       .catch(err => setLoadError(err.message || 'Failed to load bank sync config'))
       .finally(() => setLoading(false));
@@ -60,11 +68,12 @@ export default function BankSyncAdminCard() {
     }
     setSaving(true);
     try {
-      const result = await api.setBankSyncConfig({ enabled, sync_interval_hours: hours, sync_days: days });
+      const result = await api.setBankSyncConfig({ enabled, sync_interval_hours: hours, sync_days: days, debug_logging: debugLogging });
       setConfig(result);
       setEnabled(!!result.enabled);
       setSyncInterval(result.sync_interval_hours ?? 4);
       setSyncDays(result.sync_days ?? 30);
+      setDebugLogging(!!result.debug_logging);
       toast.success('Bank sync settings saved.');
     } catch (err) {
       toast.error(err.message || 'Failed to update bank sync setting.');
@@ -95,7 +104,8 @@ export default function BankSyncAdminCard() {
 
   const changed = enabled !== !!config?.enabled
     || parseFloat(syncInterval) !== config?.sync_interval_hours
-    || parseInt(syncDays, 10) !== config?.sync_days;
+    || parseInt(syncDays, 10) !== config?.sync_days
+    || debugLogging !== !!config?.debug_logging;
   const worker = config?.worker;
   const seedDays = config?.seed_days ?? 44;
   const maxDays  = config?.sync_days_max ?? 45;
@@ -243,6 +253,22 @@ export default function BankSyncAdminCard() {
           </div>
         )}
 
+        {/* Debug logging toggle */}
+        <div className="flex items-center justify-between border-t border-border/50 pt-4">
+          <div>
+            <p className="text-sm font-medium">Debug logging</p>
+            <p className="text-xs text-muted-foreground mt-0.5">
+              Logs each account, transaction, and auto-match step to the server console.
+              Turn on to diagnose sync issues, then off when done.
+            </p>
+          </div>
+          <Toggle
+            checked={debugLogging}
+            onChange={v => setDebugLogging(v)}
+            label="Enable debug logging"
+          />
+        </div>
+
         {/* Encryption note */}
         <p className="text-xs text-muted-foreground border-t border-border/50 pt-3">
           {config?.encryption_key_source === 'env'

client/components/data/BankSyncSection.jsx

@@ -56,9 +56,15 @@ function TokenInput({ value, onChange, disabled }) {
   );
 }
 
+function parseUtc(str) {
+  if (!str) return null;
+  const normalized = str.includes('T') ? str : str.replace(' ', 'T') + 'Z';
+  return new Date(normalized);
+}
+
 function fmtDate(iso) {
   if (!iso) return '—';
-  return new Date(iso).toLocaleString(undefined, {
+  return parseUtc(iso).toLocaleString(undefined, {
     month: 'short', day: 'numeric', year: 'numeric',
     hour: '2-digit', minute: '2-digit',
   });

client/components/data/TransactionMatchingSection.jsx

@@ -363,9 +363,15 @@ function MatchBillDialog({ open, onOpenChange, transaction, bills, onConfirm, lo
   );
 }
 
+function parseUtc(str) {
+  if (!str) return null;
+  const normalized = str.includes('T') ? str : str.replace(' ', 'T') + 'Z';
+  return new Date(normalized);
+}
+
 function timeAgo(iso) {
   if (!iso) return null;
-  const secs = Math.floor((Date.now() - new Date(iso).getTime()) / 1000);
+  const secs = Math.floor((Date.now() - parseUtc(iso).getTime()) / 1000);
   if (secs < 60)  return 'just now';
   if (secs < 3600) return `${Math.floor(secs / 60)}m ago`;
   if (secs < 86400) return `${Math.floor(secs / 3600)}h ago`;

client/pages/TrackerPage.jsx

@@ -42,9 +42,16 @@ import { TrackerBucket as Bucket } from '@/components/tracker/TrackerBucket';
 import IncomeBreakdownModal from '@/components/IncomeBreakdownModal';
 
 
+function parseUtc(str) {
+  if (!str) return null;
+  // SQLite datetime('now') returns "2026-06-07 23:40:15" — no T, no Z. Treat as UTC.
+  const normalized = str.includes('T') ? str : str.replace(' ', 'T') + 'Z';
+  return new Date(normalized);
+}
+
 function fmtBalanceAge(isoStr) {
   if (!isoStr) return null;
-  return new Date(isoStr).toLocaleString(undefined, { month: 'short', day: 'numeric', hour: 'numeric', minute: '2-digit' });
+  return parseUtc(isoStr).toLocaleString(undefined, { month: 'short', day: 'numeric', hour: 'numeric', minute: '2-digit' });
 }
 
 function localDateString(date = new Date()) {

routes/admin.js

@@ -1,7 +1,7 @@
 const express = require('express');
 const router  = express.Router();
 const { getDb, getSetting, setSetting, rollbackMigration } = require('../db/database');
-const { getBankSyncConfig, setBankSyncEnabled, setSyncIntervalHours, setSyncDays } = require('../services/bankSyncConfigService');
+const { getBankSyncConfig, setBankSyncEnabled, setSyncIntervalHours, setSyncDays, setDebugLogging } = require('../services/bankSyncConfigService');
 const { getStatus: getBankSyncWorkerStatus } = require('../services/bankSyncWorker');
 const { isEnvKeyActive } = require('../services/encryptionService');
 const { hashPassword } = require('../services/authService');
@@ -445,12 +445,13 @@ router.get('/bank-sync-config', (req, res) => {
 
 // PUT /api/admin/bank-sync-config
 router.put('/bank-sync-config', (req, res) => {
-  const { enabled, sync_interval_hours, sync_days } = req.body || {};
+  const { enabled, sync_interval_hours, sync_days, debug_logging } = req.body || {};
   try {
     let config = getBankSyncConfig();
     if (typeof enabled === 'boolean') config = setBankSyncEnabled(enabled);
     if (sync_interval_hours !== undefined) config = setSyncIntervalHours(sync_interval_hours);
     if (sync_days !== undefined) config = setSyncDays(sync_days);
+    if (typeof debug_logging === 'boolean') config = setDebugLogging(debug_logging);
     res.json(config);
   } catch (err) {
     res.status(err.status || 500).json({ error: err.message || 'Failed to update bank sync config' });

services/bankSyncConfigService.js

@@ -37,12 +37,17 @@ function getBankSyncConfig() {
     ? intervalEnv
     : SYNC_INTERVAL_DEFAULT;
 
+  const debugDb  = getSetting('simplefin_debug_logging');
+  const debugEnv = process.env.SIMPLEFIN_DEBUG_LOGGING;
+  const debugLogging = debugDb === 'true' || (!debugDb && debugEnv === 'true');
+
   return {
     enabled,
     sync_days: syncDays,
-    seed_days: SYNC_DAYS_EFFECTIVE, // initial connect / explicit backfill window
+    seed_days: SYNC_DAYS_EFFECTIVE,
-    sync_days_max: SYNC_DAYS_MAX,   // SimpleFIN Bridge hard limit
+    sync_days_max: SYNC_DAYS_MAX,
     sync_interval_hours: syncIntervalHours,
+    debug_logging: debugLogging,
   };
 }
 
@@ -69,7 +74,12 @@ function setSyncDays(days) {
   return getBankSyncConfig();
 }
 
+function setDebugLogging(enabled) {
+  setSetting('simplefin_debug_logging', enabled ? 'true' : 'false');
+  return getBankSyncConfig();
+}
+
 module.exports = {
-  getBankSyncConfig, setBankSyncEnabled, setSyncIntervalHours, setSyncDays,
+  getBankSyncConfig, setBankSyncEnabled, setSyncIntervalHours, setSyncDays, setDebugLogging,
   SYNC_DAYS_MAX, SYNC_DAYS_EFFECTIVE, SYNC_DAYS_DEFAULT,
 };

services/bankSyncService.js

@@ -79,7 +79,7 @@ function insertTransactionIfNew(db, txRow) {
   }
 }
 
-async function runSync(db, userId, dataSource, { days } = {}) {
+async function runSync(db, userId, dataSource, { days, debug = false } = {}) {
   const accessUrl   = decryptSecret(dataSource.encrypted_secret);
   const isFirstSync = !dataSource.last_sync_at;
   // Explicit `days` param (e.g. backfill) takes precedence.
@@ -89,9 +89,13 @@ async function runSync(db, userId, dataSource, { days } = {}) {
   const syncDays  = days ?? (isFirstSync ? SYNC_DAYS_EFFECTIVE : (config.sync_days || SYNC_DAYS_DEFAULT));
   const since = sinceEpochDays(syncDays);
 
+  if (debug) console.log(`[bankSync:debug] Source #${dataSource.id} user ${userId}: fetching ${syncDays} days from SimpleFIN (since epoch ${since})`);
+
   const raw = await fetchAccountsAndTransactions(accessUrl, since);
   const accounts = Array.isArray(raw.accounts) ? raw.accounts : [];
 
+  if (debug) console.log(`[bankSync:debug] Source #${dataSource.id}: SimpleFIN returned ${accounts.length} account(s)`);
+
   if (raw._errlistSummary) {
     console.warn(`[bankSync] errlist for source ${dataSource.id}: ${raw._errlistSummary}`);
   }
@@ -105,15 +109,23 @@ async function runSync(db, userId, dataSource, { days } = {}) {
     const localAccount = upsertAccount(db, accountRow);
     accountsUpserted  += 1;
 
+    const txList = rawAccount.transactions || [];
+    if (debug) console.log(`[bankSync:debug]   Account "${rawAccount.name}" (monitored=${localAccount.monitored}): ${txList.length} transaction(s)`);
+
     if (localAccount.monitored === 0) continue;
 
-    for (const rawTx of (rawAccount.transactions || [])) {
+    for (const rawTx of txList) {
       const txRow = normalizeTransaction(
         rawTx, localAccount.id, dataSource.id, userId, rawAccount.id, rawAccount.currency,
       );
       const outcome = insertTransactionIfNew(db, txRow);
-      if (outcome === 'inserted') transactionsNew  += 1;
+      if (outcome === 'inserted') {
-      else                        transactionsSkip += 1;
+        transactionsNew += 1;
+        if (debug) console.log(`[bankSync:debug]     tx ${txRow.provider_transaction_id}: inserted (${rawTx.description || rawTx.payee || '—'}, ${txRow.amount}¢)`);
+      } else {
+        transactionsSkip += 1;
+        if (debug) console.log(`[bankSync:debug]     tx ${txRow.provider_transaction_id}: duplicate — skipped`);
+      }
     }
   }
 
@@ -128,11 +140,15 @@ async function runSync(db, userId, dataSource, { days } = {}) {
     WHERE id = ? AND user_id = ?
   `).run(partialError, dataSource.id, userId);
 
+  if (debug) console.log(`[bankSync:debug] Source #${dataSource.id}: applying merchant rules + auto-match`);
+
   // Apply stored merchant→bill rules, then spending category rules, then score-based auto-match
   const { matched: autoMatched, matched_bills: matchedBills, late_attributions: lateAttributions } = applyMerchantRules(db, userId);
   try { applySpendingCategoryRules(db, userId); } catch { /* non-blocking */ }
   try { autoMatchForUser(userId); } catch { /* non-blocking */ }
 
+  if (debug) console.log(`[bankSync:debug] Source #${dataSource.id}: auto-matched ${autoMatched} transaction(s)`);
+
   return { accountsUpserted, transactionsNew, transactionsSkip, autoMatched, matched_bills: matchedBills || [], late_attributions: lateAttributions || [], errlist: raw._errlistSummary || null };
 }
 
@@ -167,7 +183,7 @@ async function connectSimplefin(db, userId, setupToken) {
   return { dataSource: decorateDataSource(fresh), ...syncResult };
 }
 
-async function syncDataSource(db, userId, dataSourceId) {
+async function syncDataSource(db, userId, dataSourceId, { debug } = {}) {
   assertEncryptionReady();
 
   const dataSource = db.prepare(`
@@ -178,9 +194,11 @@ async function syncDataSource(db, userId, dataSourceId) {
   if (!dataSource) throw Object.assign(new Error('SimpleFIN connection not found'), { status: 404 });
   if (!dataSource.encrypted_secret) throw new Error('No stored credentials for this connection');
 
+  const useDebug = debug ?? getBankSyncConfig().debug_logging;
+
   let syncResult;
   try {
-    syncResult = await runSync(db, userId, dataSource);
+    syncResult = await runSync(db, userId, dataSource, { debug: useDebug });
   } catch (err) {
     const msg = safeErrorMessage(err);
     db.prepare(`

services/bankSyncWorker.js

@@ -32,8 +32,13 @@ function sleep(ms) {
 async function runCycle() {
   if (running) return;
 
-  const { enabled } = getBankSyncConfig();
+  const config = getBankSyncConfig();
-  if (!enabled) return;
+  if (!config.enabled) {
+    console.log('[bankSync] Disabled — skipping cycle');
+    return;
+  }
+
+  const debug = config.debug_logging;
 
   let db, sources;
   try {
@@ -48,8 +53,12 @@ async function runCycle() {
     return;
   }
 
-  if (sources.length === 0) return;
+  if (sources.length === 0) {
+    if (debug) console.log('[bankSync] No SimpleFIN sources configured — skipping cycle');
+    return;
+  }
 
+  console.log(`[bankSync] Cycle starting — ${sources.length} source(s)`);
   running = true;
   lastRunAt = new Date().toISOString();
 
@@ -61,26 +70,26 @@ async function runCycle() {
     const source = sources[i];
 
     if (!needsSync(source)) {
+      if (debug) console.log(`[bankSync] Source #${source.id} (user ${source.user_id}): recently synced — skipping`);
       skipped++;
       continue;
     }
 
+    if (debug) console.log(`[bankSync] Source #${source.id} (user ${source.user_id}): starting sync`);
     try {
-      await syncDataSource(db, source.user_id, source.id);
+      const result = await syncDataSource(db, source.user_id, source.id, { debug });
       synced++;
-    } catch {
+      console.log(`[bankSync] Source #${source.id}: OK — ${result.accountsUpserted} account(s), ${result.transactionsNew} new, ${result.transactionsSkip} skipped${result.errlist ? ` [partial: ${result.errlist}]` : ''}`);
-      // syncDataSource already writes last_error to the data_sources row
+    } catch (err) {
       failed++;
+      console.error(`[bankSync] Source #${source.id}: FAILED — ${err.message}`);
     }
 
     // Stagger requests — don't fire them all simultaneously
     if (i < sources.length - 1) await sleep(STAGGER_DELAY_MS);
   }
 
-  if (synced > 0 || failed > 0) {
+  console.log(`[bankSync] Cycle complete — ${synced} synced, ${failed} failed, ${skipped} skipped`);
-    console.log(`[bankSync] Auto-sync complete: ${synced} synced, ${failed} failed, ${skipped} skipped`);
-  }
-
   running = false;
 }