chore: roadmap audit v0.34.2 — remove completed FUTURE.md items, update partial statuses
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DEVELOPMENT_LOG.md
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DEVELOPMENT_LOG.md
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PROJECT.md
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PROJECT.md
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STRUCTURE.md
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STRUCTURE.md
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FUTURE.md
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BUILD_SUMMARY.md
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BUILD_SUMMARY.md
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SCRIPTS.md
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SCRIPTS.md
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project-requirements.md
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project-requirements.md
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# Bill Tracker — Future Improvements
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**This document tracks potential future enhancements for Bill Tracker.**
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**Last Updated:** 2026-05-30
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**Current Version:** v0.34.2
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## How to Use This Document
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This file is a living document. Agents should:
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1. Read this file before proposing changes
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2. Add new recommendations with priority levels
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3. Never add completed items — move those to HISTORY.md instead
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4. Reference this file when dispatching improvement tasks
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5. Only Ripley can remove items from this list. Notify Ripley if something needs to be removed.
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### Priority Format
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All items must include the priority emoji in their heading, matching the section they belong to:
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| Priority | Emoji | Heading Format |
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|----------|-------|---------------|
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| CRITICAL | 🔴 | `### 🔴 Title — CRITICAL` |
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| HIGH | 🟠 | `### 🟠 Title — HIGH` |
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| MEDIUM | 🟡 | `### 🟡 Title — MEDIUM` |
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| LOW | 🔵 | `### 🔵 Title — LOW` |
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| NICE TO HAVE | 💭 | `### 💭 Title — NICE TO HAVE` |
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Items are grouped under their priority section heading (`## 🔴 CRITICAL`, `## 🟠 HIGH`, etc.) and sorted most-impactful-first within each tier.
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## Pending Recommendations
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## 🟡 MEDIUM
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### 🟡 Projected Cash Flow — MEDIUM
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**Priority:** MEDIUM
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**Added:** 2026-05-16 by Ripley (from _null's prioritized roadmap)
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**Description:**
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Show users what's coming: "You'll have $X left before the 15th", "Upcoming bills before next paycheck", and a "Safe-to-spend" estimate based on starting amount, unpaid bills, and scheduled income. Fits naturally with the existing 1st/15th bucket model.
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**Scope:**
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- "Remaining after bills" projection per bucket (1st half / 15th half)
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- "Upcoming bills before next paycheck" list
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- "Safe-to-spend" estimate based on starting balance minus unpaid bills
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- Scheduled income support (payday amounts)
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**Rationale:**
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- The 1st/15th bucket model is already built — cash flow projection is the natural next step
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- Most valuable feature for day-to-day money management
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- Turns a bill tracker into a financial planning tool
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**Implementation Notes:**
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- Requires user to enter starting balance and payday amounts (new settings fields)
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- Calculate: starting amount - unpaid bills due before next payday = safe-to-spend
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- Files to modify: `TrackerPage.jsx`, `routes/tracker.js`, `user_settings` table (new fields)
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- Estimated effort: 8-10 hours
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---
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### 🟡 Recurring Payment Rules — MEDIUM
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**Priority:** MEDIUM
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**Added:** 2026-05-16 by Ripley (from _null's prioritized roadmap)
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**Status:** Partial — infrastructure built (auto_mark_paid column, confirm/dismiss APIs, UI for suggestions), but no proactive suggestion scheduler generating payments on due date.
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**Description:**
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Auto-mark certain bills as paid on due date if `autodraft_status = assumed_paid`. Or create suggested payments awaiting confirmation. Good for autopay-heavy users.
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**Scope:**
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- Bills with autopay/autodraft get a "suggested payment" on their due date
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- User confirms or dismisses the suggestion
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- Auto-mark option: bills can be set to automatically mark as paid on due date
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**Implementation Notes:**
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- ✅ `auto_mark_paid` column + bill edit checkbox
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- ✅ `applyAutopaySuggestions()` in trackerService handles auto-mark + suggestion generation
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- ✅ Confirm (`POST /api/payments/autopay-suggestions/:billId/confirm`) and dismiss (`POST /.../dismiss`) endpoints
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- ✅ Suggestion UI in TrackerPage with badge + confirm/dismiss buttons
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- ❌ No proactive suggestion engine — only runs when tracker loads
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- ❌ No scheduled task/cron to evaluate bills and create suggestions on due date
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- Estimated effort remaining: 2-3 hours
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---
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### 🟡 Calendar Agenda Mode — MEDIUM
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**Priority:** MEDIUM
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**Added:** 2026-05-16 by Ripley (from _null's prioritized roadmap)
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**Description:**
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Replace the month-grid calendar with an agenda view: Today / This Week / Next 14 Days. Group bills by "needs action," "autopay," "already paid." More useful when actually paying bills.
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**Rationale:**
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- Month grids are pretty but not actionable
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- Agenda mode answers "what do I need to do right now?"
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- Groups by status makes it immediately clear what needs attention
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**Implementation Notes:**
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- New view toggle on CalendarPage: Grid vs Agenda
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- Agenda shows: Overdue → Today → This Week → Next 14 Days
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- Each group sorted by due date, with action status badges
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- Files to modify: `CalendarPage.jsx`, `routes/calendar.js`
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- Estimated effort: 6-8 hours
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---
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### 🟡 Filtered Exports — MEDIUM
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**Priority:** MEDIUM (upgraded from LOW)
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**Added:** 2026-05-11 by Ripley (from _null's prioritized roadmap)
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**Description:**
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Export only utilities, debts, overdue, date range, tax-relevant categories. Currently exports everything with no filtering.
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**Rationale:**
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- Users need "all Q1 utility bills" or "overdue payments this year" for reconciliation and tax prep
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- `/api/export/user-excel` exports everything — no query params for date range, category, or status
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**Implementation Notes:**
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- Add query params to export endpoints: `category_id`, `start`, `end`, `status` (paid/unpaid/overdue)
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- Files to modify: `routes/export.js`, `client/pages/DataPage.jsx`
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- Estimated effort: 6 hours
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---
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## 🔵 LOW
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### 🔵 Payment Method Tracking and Summary — LOW
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**Priority:** LOW
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**Added:** 2026-05-11 by Ripley
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**Description:**
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The `payments` table has a `method` column (free-text) but no way to see "how much did I pay via autopay vs manual vs credit card this month."
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**Implementation Notes:**
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- Standardize payment methods: enum or controlled list (autopay, bank_transfer, credit_card, check, cash, other)
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- Add payment method breakdown to analytics or summary page
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- Files to modify: `routes/payments.js`, `AnalyticsPage.jsx`, schema migration
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- Estimated effort: 4-6 hours
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---
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### 🔵 No Keyboard Navigation or Shortcuts — LOW
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**Added:** 2026-05-11 by Ripley
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**Status:** Partial — Esc closes modals ✅, Cmd+K opens command palette ✅, arrow key tracker navigation ❌
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**Description:**
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Only a skip link exists for keyboard accessibility. No `Cmd+K` to find a bill, no `Esc` to close modals, no arrow keys to navigate the tracker grid.
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**Implementation Notes:**
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- ✅ `Esc` closes any open modal/dialog (via Radix Dialog default)
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- ✅ `Cmd+K` / `Ctrl+K` opens command palette (`CommandPalette.jsx`)
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- ❌ Arrow keys navigate tracker rows when grid is focused
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- Remaining effort: 1-2 hours
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---
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### 🔵 Add comprehensive unit and integration tests
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**Added:** 2026-05-08 by Scarlett
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**Description:**
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Currently no unit tests exist for components or hooks. The only testing is functional tests in `test-functional.js`.
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**Implementation Notes:**
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- Set up Jest + React Testing Library (or vitest)
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- Test key components: BillModal, TrackerPage row, BillsTableInner
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- Test hooks: useAuth, custom form hooks
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- Test utility functions in `client/lib/utils.js`
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- Estimated effort: 8-12 hours for baseline coverage
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---
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### 🔵 Missing Bill Grouping and Reorganization API
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**Added:** 2026-05-08 by Neo
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**Description:**
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No way to reorder bills, drag-and-drop, or group by custom criteria.
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**Implementation Notes:**
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- `sort_order` column to bills table (default NULL, ordered first by sort_order then due_day)
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- `PUT /api/bills/reorder` endpoint accepting `{bill_id: new_index}`
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- `PUT /api/bills/:id/archived` to soft-archive
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- Estimated effort: 6 hours
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---
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## 💭 NICE TO HAVE
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### 💭 Add consistent form state management pattern
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**Priority:** MEH
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**Added:** 2026-05-08 by Scarlett
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**Description:**
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Form state management is inconsistent across components. Some use `useState` for each field, others use form libraries.
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**Implementation Notes:**
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- Consider react-hook-form for complex forms
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- Create reusable form field components (InputField, SelectField, etc.)
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- Standardize validation approach
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- Estimated effort: 4-6 hours
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16
HISTORY.md
16
HISTORY.md
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# Bill Tracker — Changelog
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# Bill Tracker — Changelog
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## v0.34.2
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### 🧹 Roadmap Audit
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- **Audited all FUTURE.md items** against current codebase:
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- Removed: Architecture: Business Logic Extraction (IS_IMPLEMENTED)
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- Removed: Debt Snowball Readiness Checklist (IS_IMPLEMENTED)
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- Updated status: Keyboard Navigation/Shortcuts → partial (Esc + Cmd+K done, arrow-key grid not)
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- Confirmed not implemented: Projected Cash Flow, Recurring Payment Rules (partial), Calendar Agenda, Filtered Exports, Payment Method Tracking, Unit Tests, Bill Grouping, Form State Management — all remain in FUTURE.md
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### 🔧 Changed
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- **Bump** — `0.34.1` → `0.34.2`
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---
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## v0.34.1
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## v0.34.1
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### 🚀 Features
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### 🚀 Features
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@ -43,6 +43,7 @@ const DataPage = lazy(() => import('@/pages/DataPage'));
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const ProfilePage = lazy(() => import('@/pages/ProfilePage'));
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const ProfilePage = lazy(() => import('@/pages/ProfilePage'));
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const SnowballPage = lazy(() => import('@/pages/SnowballPage'));
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const SnowballPage = lazy(() => import('@/pages/SnowballPage'));
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const HealthPage = lazy(() => import('@/pages/HealthPage'));
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const HealthPage = lazy(() => import('@/pages/HealthPage'));
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const PayoffPage = lazy(() => import('@/pages/PayoffPage'));
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function RequireAuth({ children, role }) {
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function RequireAuth({ children, role }) {
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const { user, singleUserMode } = useAuth();
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const { user, singleUserMode } = useAuth();
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@ -209,6 +210,7 @@ export default function App() {
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<Route path="analytics" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><AnalyticsPage /></Suspense></ErrorBoundary>} />
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<Route path="analytics" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><AnalyticsPage /></Suspense></ErrorBoundary>} />
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<Route path="settings" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><SettingsPage /></Suspense></ErrorBoundary>} />
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<Route path="settings" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><SettingsPage /></Suspense></ErrorBoundary>} />
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<Route path="snowball" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><SnowballPage /></Suspense></ErrorBoundary>} />
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<Route path="snowball" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><SnowballPage /></Suspense></ErrorBoundary>} />
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<Route path="payoff" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><PayoffPage /></Suspense></ErrorBoundary>} />
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<Route path="data" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><DataPage /></Suspense></ErrorBoundary>} />
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<Route path="data" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><DataPage /></Suspense></ErrorBoundary>} />
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<Route path="profile" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><ProfilePage /></Suspense></ErrorBoundary>} />
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<Route path="profile" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><ProfilePage /></Suspense></ErrorBoundary>} />
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<Route path="*" element={<Navigate to="/" replace />} />
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<Route path="*" element={<Navigate to="/" replace />} />
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import { useState, useMemo } from 'react';
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import { useState, useMemo } from 'react';
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import { NavLink, useLocation, useNavigate } from 'react-router-dom';
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import { NavLink, useLocation, useNavigate } from 'react-router-dom';
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import {
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import {
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Activity, BarChart3, CalendarDays, ChevronDown, ClipboardCheck, ClipboardList, Database, Info, LayoutGrid, LogOut, Map, Menu, Receipt,
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Activity, BarChart3, Calculator, CalendarDays, ChevronDown, ClipboardCheck, ClipboardList, Database, Info, LayoutGrid, LogOut, Map, Menu, Receipt,
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Search, Settings, ShieldCheck, Tag, TrendingDown, User, X,
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Search, Settings, ShieldCheck, Tag, TrendingDown, User, X,
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Repeat,
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Repeat,
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} from 'lucide-react';
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} from 'lucide-react';
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{ to: '/categories', icon: Tag, label: 'Categories' },
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{ to: '/categories', icon: Tag, label: 'Categories' },
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{ to: '/health', icon: ClipboardCheck, label: 'Health' },
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{ to: '/health', icon: ClipboardCheck, label: 'Health' },
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{ to: '/snowball', icon: TrendingDown, label: 'Snowball' },
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{ to: '/snowball', icon: TrendingDown, label: 'Snowball' },
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{ to: '/payoff', icon: Calculator, label: 'Payoff' },
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];
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];
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function TrackerMenu({ onNavigate, badge }) {
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function TrackerMenu({ onNavigate, badge }) {
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import React from 'react';
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const W = 720;
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const H = 300;
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const PAD = { left: 68, right: 24, top: 20, bottom: 56 };
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const CW = W - PAD.left - PAD.right;
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const CH = H - PAD.top - PAD.bottom;
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function money(v) {
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const n = Number(v) || 0;
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if (n >= 1000) return `$${(n / 1000).toFixed(0)}k`;
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return `$${n.toFixed(0)}`;
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}
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function fullMoney(v) {
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return (Number(v) || 0).toLocaleString(undefined, {
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style: 'currency', currency: 'USD', maximumFractionDigits: 2,
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});
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}
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function buildPoints(track, startBalance, maxMonths) {
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const all = [{ month: 0, balance: startBalance }, ...track];
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return all.map(({ month, balance }) => ({
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x: PAD.left + (month / maxMonths) * CW,
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y: PAD.top + CH - (balance / startBalance) * CH,
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month,
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balance,
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}));
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}
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function toLine(pts) {
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return pts.map(p => `${p.x.toFixed(1)},${p.y.toFixed(1)}`).join(' ');
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}
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export default function PayoffChart({ minTrack = [], currentTrack = [], simTrack = [], startBalance = 1 }) {
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const maxMonths = Math.max(minTrack.length, currentTrack.length, simTrack.length, 12);
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const bal = Math.max(startBalance, 1);
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const minPts = buildPoints(minTrack, bal, maxMonths);
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const currentPts = buildPoints(currentTrack, bal, maxMonths);
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const simPts = buildPoints(simTrack, bal, maxMonths);
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const xStep = maxMonths <= 24 ? 6 : maxMonths <= 60 ? 12 : 24;
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const xLabels = [];
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for (let m = xStep; m <= maxMonths; m += xStep) {
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xLabels.push(m);
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}
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const yTicks = [0, 0.25, 0.5, 0.75, 1];
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const showCurrent = currentTrack.length > 0 &&
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||||||
|
currentTrack.some((c, i) => (minTrack[i]?.balance ?? null) !== c.balance);
|
||||||
|
|
||||||
|
return (
|
||||||
|
<div className="w-full overflow-hidden rounded-xl border border-border/60 bg-background/60">
|
||||||
|
<svg viewBox={`0 0 ${W} ${H}`} role="img" aria-label="Loan payoff chart" className="h-auto w-full">
|
||||||
|
|
||||||
|
{/* Grid + Y axis */}
|
||||||
|
{yTicks.map(tick => {
|
||||||
|
const y = PAD.top + CH - tick * CH;
|
||||||
|
return (
|
||||||
|
<g key={tick}>
|
||||||
|
<line x1={PAD.left} x2={PAD.left + CW} y1={y} y2={y}
|
||||||
|
stroke="currentColor" opacity="0.08" strokeWidth="1" />
|
||||||
|
<text x={PAD.left - 6} y={y + 4} fontSize="11" fill="currentColor"
|
||||||
|
opacity="0.5" textAnchor="end">
|
||||||
|
{money(bal * tick)}
|
||||||
|
</text>
|
||||||
|
</g>
|
||||||
|
);
|
||||||
|
})}
|
||||||
|
|
||||||
|
{/* X axis labels */}
|
||||||
|
{xLabels.map(m => {
|
||||||
|
const x = PAD.left + (m / maxMonths) * CW;
|
||||||
|
return (
|
||||||
|
<text key={m} x={x} y={H - 38} fontSize="11" fill="currentColor"
|
||||||
|
opacity="0.5" textAnchor="middle">
|
||||||
|
{m}mo
|
||||||
|
</text>
|
||||||
|
);
|
||||||
|
})}
|
||||||
|
|
||||||
|
{/* X axis baseline */}
|
||||||
|
<line x1={PAD.left} x2={PAD.left + CW} y1={PAD.top + CH} y2={PAD.top + CH}
|
||||||
|
stroke="currentColor" opacity="0.12" strokeWidth="1" />
|
||||||
|
|
||||||
|
{/* Min-only track (slate dashed) */}
|
||||||
|
{minPts.length > 1 && (
|
||||||
|
<polyline points={toLine(minPts)} fill="none"
|
||||||
|
stroke="#94a3b8" strokeWidth="1.5"
|
||||||
|
strokeDasharray="6,4" strokeLinecap="round" strokeLinejoin="round"
|
||||||
|
/>
|
||||||
|
)}
|
||||||
|
|
||||||
|
{/* Current snowball plan (indigo dashed) */}
|
||||||
|
{showCurrent && currentPts.length > 1 && (
|
||||||
|
<polyline points={toLine(currentPts)} fill="none"
|
||||||
|
stroke="#818cf8" strokeWidth="1.5"
|
||||||
|
strokeDasharray="9,5" strokeLinecap="round" strokeLinejoin="round"
|
||||||
|
/>
|
||||||
|
)}
|
||||||
|
|
||||||
|
{/* Simulation track (amber solid, prominent) */}
|
||||||
|
{simPts.length > 1 && (
|
||||||
|
<>
|
||||||
|
<polyline points={toLine(simPts)} fill="none"
|
||||||
|
stroke="#f59e0b" strokeWidth="3"
|
||||||
|
strokeLinecap="round" strokeLinejoin="round"
|
||||||
|
/>
|
||||||
|
{/* Endpoint dot */}
|
||||||
|
{(() => {
|
||||||
|
const last = simPts[simPts.length - 1];
|
||||||
|
return <circle cx={last.x} cy={last.y} r="4" fill="#f59e0b" />;
|
||||||
|
})()}
|
||||||
|
</>
|
||||||
|
)}
|
||||||
|
|
||||||
|
{/* Tooltips at 6-month intervals on sim track */}
|
||||||
|
{simPts.filter(p => p.month > 0 && p.month % 6 === 0).map(p => (
|
||||||
|
<circle key={p.month} cx={p.x} cy={p.y} r="3" fill="#f59e0b" opacity="0.7">
|
||||||
|
<title>{`Month ${p.month}: ${fullMoney(p.balance)} remaining`}</title>
|
||||||
|
</circle>
|
||||||
|
))}
|
||||||
|
|
||||||
|
{/* Legend */}
|
||||||
|
<g transform={`translate(${PAD.left}, ${H - 22})`} fontSize="11" fill="currentColor" opacity="0.7">
|
||||||
|
<line x1="0" x2="16" y1="0" y2="0" stroke="#94a3b8" strokeWidth="1.5" strokeDasharray="4,3" />
|
||||||
|
<text x="20" y="4">Min only</text>
|
||||||
|
|
||||||
|
{showCurrent && (
|
||||||
|
<>
|
||||||
|
<line x1="80" x2="96" y1="0" y2="0" stroke="#818cf8" strokeWidth="1.5" strokeDasharray="6,4" />
|
||||||
|
<text x="100" y="4">Snowball plan</text>
|
||||||
|
</>
|
||||||
|
)}
|
||||||
|
|
||||||
|
<line x1={showCurrent ? 198 : 80} x2={showCurrent ? 214 : 96} y1="0" y2="0"
|
||||||
|
stroke="#f59e0b" strokeWidth="2.5" />
|
||||||
|
<text x={showCurrent ? 218 : 100} y="4">Simulation</text>
|
||||||
|
</g>
|
||||||
|
|
||||||
|
</svg>
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
@ -0,0 +1,492 @@
|
||||||
|
import React, { useCallback, useEffect, useMemo, useState } from 'react';
|
||||||
|
import { AlertCircle, ArrowRight, Calculator, RefreshCw, RotateCcw, TrendingDown } from 'lucide-react';
|
||||||
|
import { toast } from 'sonner';
|
||||||
|
import { api } from '@/api';
|
||||||
|
import { Button } from '@/components/ui/button';
|
||||||
|
import { Input } from '@/components/ui/input';
|
||||||
|
import { Label } from '@/components/ui/label';
|
||||||
|
import {
|
||||||
|
Select, SelectContent, SelectItem, SelectTrigger, SelectValue,
|
||||||
|
} from '@/components/ui/select';
|
||||||
|
import { cn } from '@/lib/utils';
|
||||||
|
import PayoffChart from '@/components/snowball/PayoffChart';
|
||||||
|
|
||||||
|
// ─── Helpers ──────────────────────────────────────────────────────────────────
|
||||||
|
|
||||||
|
function fmt(v) {
|
||||||
|
return (Number(v) || 0).toLocaleString(undefined, {
|
||||||
|
style: 'currency', currency: 'USD', minimumFractionDigits: 2, maximumFractionDigits: 2,
|
||||||
|
});
|
||||||
|
}
|
||||||
|
|
||||||
|
function fmtShort(v) {
|
||||||
|
const n = Number(v) || 0;
|
||||||
|
return n.toLocaleString(undefined, { style: 'currency', currency: 'USD', maximumFractionDigits: 0 });
|
||||||
|
}
|
||||||
|
|
||||||
|
function buildPayoffSchedule(balance, annualRatePct, monthlyPayment, oneTimeExtra = 0) {
|
||||||
|
if (!balance || balance <= 0 || !monthlyPayment || monthlyPayment <= 0) return [];
|
||||||
|
const rate = (annualRatePct || 0) / 100 / 12;
|
||||||
|
if (rate > 0 && monthlyPayment <= balance * rate) return [];
|
||||||
|
let bal = balance;
|
||||||
|
const months = [];
|
||||||
|
for (let i = 0; i < 600; i++) {
|
||||||
|
const interest = Math.round(bal * rate * 100) / 100;
|
||||||
|
const pmt = Math.min(bal + interest, i === 0 ? monthlyPayment + oneTimeExtra : monthlyPayment);
|
||||||
|
const principal = Math.max(0, pmt - interest);
|
||||||
|
bal = Math.round(Math.max(0, bal - principal) * 100) / 100;
|
||||||
|
months.push({ month: i + 1, balance: bal, interest });
|
||||||
|
if (bal < 0.01) break;
|
||||||
|
}
|
||||||
|
return months;
|
||||||
|
}
|
||||||
|
|
||||||
|
function payoffLabel(track, now = new Date()) {
|
||||||
|
if (!track.length) return null;
|
||||||
|
const d = new Date(now.getFullYear(), now.getMonth() + track.length, 1);
|
||||||
|
return d.toLocaleDateString(undefined, { month: 'short', year: 'numeric' });
|
||||||
|
}
|
||||||
|
|
||||||
|
function numMonths(track) {
|
||||||
|
if (!track.length) return null;
|
||||||
|
const y = Math.floor(track.length / 12);
|
||||||
|
const m = track.length % 12;
|
||||||
|
if (y === 0) return `${m} mo`;
|
||||||
|
if (m === 0) return `${y} yr`;
|
||||||
|
return `${y} yr ${m} mo`;
|
||||||
|
}
|
||||||
|
|
||||||
|
// ─── Stat card ────────────────────────────────────────────────────────────────
|
||||||
|
|
||||||
|
function StatCard({ label, value, sub, color = 'amber' }) {
|
||||||
|
const colors = {
|
||||||
|
amber: 'bg-amber-500/8 border-amber-400/20 text-amber-500 dark:text-amber-400',
|
||||||
|
teal: 'bg-teal-500/8 border-teal-400/20 text-teal-500 dark:text-teal-400',
|
||||||
|
slate: 'bg-muted/40 border-border/60 text-foreground',
|
||||||
|
};
|
||||||
|
return (
|
||||||
|
<div className={cn('rounded-xl border p-4 text-center', colors[color])}>
|
||||||
|
<p className="text-[11px] font-medium uppercase tracking-widest text-muted-foreground mb-1">{label}</p>
|
||||||
|
<p className={cn('text-2xl font-bold font-mono tabular-nums', colors[color])}>{value}</p>
|
||||||
|
{sub && <p className="text-[11px] text-muted-foreground mt-0.5">{sub}</p>}
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
||||||
|
// ─── Input row ────────────────────────────────────────────────────────────────
|
||||||
|
|
||||||
|
function InputRow({ label, hint, children }) {
|
||||||
|
return (
|
||||||
|
<div className="space-y-1.5">
|
||||||
|
<div className="flex items-baseline justify-between">
|
||||||
|
<Label className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">
|
||||||
|
{label}
|
||||||
|
</Label>
|
||||||
|
{hint && <span className="text-[11px] text-muted-foreground">{hint}</span>}
|
||||||
|
</div>
|
||||||
|
{children}
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
||||||
|
// ─── Empty states ─────────────────────────────────────────────────────────────
|
||||||
|
|
||||||
|
function EmptyDebts() {
|
||||||
|
return (
|
||||||
|
<div className="flex flex-col items-center justify-center rounded-xl border border-dashed border-border/60 bg-muted/10 px-6 py-16 text-center">
|
||||||
|
<TrendingDown className="h-10 w-10 text-muted-foreground/40 mb-4" />
|
||||||
|
<p className="text-sm font-medium text-foreground">No debts with a balance found</p>
|
||||||
|
<p className="text-xs text-muted-foreground mt-1">
|
||||||
|
Add a current balance to your bills on the{' '}
|
||||||
|
<a href="/snowball" className="underline text-primary hover:opacity-80">Snowball page</a>.
|
||||||
|
</p>
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
||||||
|
function NoSelection() {
|
||||||
|
return (
|
||||||
|
<div className="flex flex-col items-center justify-center rounded-xl border border-dashed border-border/60 bg-muted/10 px-6 py-16 text-center">
|
||||||
|
<Calculator className="h-10 w-10 text-muted-foreground/40 mb-4" />
|
||||||
|
<p className="text-sm font-medium text-foreground">Select a loan or debt to begin</p>
|
||||||
|
<p className="text-xs text-muted-foreground mt-1">Choose from the dropdown above to run your simulation.</p>
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
||||||
|
// ─── PayoffPage ───────────────────────────────────────────────────────────────
|
||||||
|
|
||||||
|
export default function PayoffPage() {
|
||||||
|
const [bills, setBills] = useState([]);
|
||||||
|
const [extraPayment, setExtraPayment] = useState(0);
|
||||||
|
const [loading, setLoading] = useState(true);
|
||||||
|
const [loadError, setLoadError] = useState(null);
|
||||||
|
const [selectedId, setSelectedId] = useState(null);
|
||||||
|
|
||||||
|
// Per-simulation state (reset when bill changes)
|
||||||
|
const [simPayment, setSimPayment] = useState('');
|
||||||
|
const [simRate, setSimRate] = useState('');
|
||||||
|
const [oneTimeExtra, setOneTimeExtra] = useState('');
|
||||||
|
const [applying, setApplying] = useState(false);
|
||||||
|
|
||||||
|
const loadData = useCallback(() => {
|
||||||
|
setLoading(true);
|
||||||
|
setLoadError(null);
|
||||||
|
Promise.all([api.snowball(), api.snowballSettings()])
|
||||||
|
.then(([billData, settings]) => {
|
||||||
|
const debtBills = (billData || []).filter(b => (b.current_balance ?? 0) > 0);
|
||||||
|
setBills(debtBills);
|
||||||
|
setExtraPayment(Number(settings?.extra_payment) || 0);
|
||||||
|
if (debtBills.length > 0 && !selectedId) {
|
||||||
|
setSelectedId(debtBills[0].id);
|
||||||
|
}
|
||||||
|
})
|
||||||
|
.catch(err => setLoadError(err.message || 'Failed to load data'))
|
||||||
|
.finally(() => setLoading(false));
|
||||||
|
}, []); // eslint-disable-line react-hooks/exhaustive-deps
|
||||||
|
|
||||||
|
useEffect(() => { loadData(); }, [loadData]);
|
||||||
|
|
||||||
|
const bill = useMemo(() => bills.find(b => b.id === selectedId) ?? null, [bills, selectedId]);
|
||||||
|
const isAttack = bills[0]?.id === selectedId;
|
||||||
|
|
||||||
|
// Reset sim inputs whenever the selected bill changes
|
||||||
|
useEffect(() => {
|
||||||
|
if (!bill) return;
|
||||||
|
setSimPayment(String(Math.max(bill.minimum_payment ?? 0, bill.expected_amount ?? 0)));
|
||||||
|
setSimRate(String(bill.interest_rate ?? 0));
|
||||||
|
setOneTimeExtra('');
|
||||||
|
}, [bill?.id]); // eslint-disable-line react-hooks/exhaustive-deps
|
||||||
|
|
||||||
|
// Derived simulation tracks
|
||||||
|
const simPaymentN = Math.max(0, Number(simPayment) || 0);
|
||||||
|
const simRateN = Math.max(0, Number(simRate) || 0);
|
||||||
|
const oneTimeExtraN = Math.max(0, Number(oneTimeExtra) || 0);
|
||||||
|
const minPayment = bill?.minimum_payment ?? 0;
|
||||||
|
|
||||||
|
const { minTrack, currentTrack, simTrack } = useMemo(() => {
|
||||||
|
if (!bill) return { minTrack: [], currentTrack: [], simTrack: [] };
|
||||||
|
const b = bill.current_balance;
|
||||||
|
const min = minPayment > 0 ? minPayment : 0.01;
|
||||||
|
const currentPmt = isAttack ? min + extraPayment : min;
|
||||||
|
return {
|
||||||
|
minTrack: buildPayoffSchedule(b, simRateN, min),
|
||||||
|
currentTrack: buildPayoffSchedule(b, simRateN, currentPmt),
|
||||||
|
simTrack: buildPayoffSchedule(b, simRateN, simPaymentN, oneTimeExtraN),
|
||||||
|
};
|
||||||
|
}, [bill, simRateN, simPaymentN, oneTimeExtraN, minPayment, isAttack, extraPayment]);
|
||||||
|
|
||||||
|
const minInterest = useMemo(() => minTrack.reduce((s, m) => s + m.interest, 0), [minTrack]);
|
||||||
|
const simInterest = useMemo(() => simTrack.reduce((s, m) => s + m.interest, 0), [simTrack]);
|
||||||
|
const interestSavings = Math.max(0, minInterest - simInterest);
|
||||||
|
const timeSavings = Math.max(0, minTrack.length - simTrack.length);
|
||||||
|
const simTotalPaid = simInterest + (bill?.current_balance ?? 0);
|
||||||
|
|
||||||
|
const simPayoffLabel = payoffLabel(simTrack);
|
||||||
|
const minPayoffLabel = payoffLabel(minTrack);
|
||||||
|
const simDuration = numMonths(simTrack);
|
||||||
|
|
||||||
|
const paymentBelowMin = simPaymentN > 0 && simPaymentN < minPayment && minPayment > 0;
|
||||||
|
const paymentTooLow = bill && simPaymentN > 0 && simTrack.length === 0;
|
||||||
|
|
||||||
|
const defaultSimPayment = bill
|
||||||
|
? String(Math.max(bill.minimum_payment ?? 0, bill.expected_amount ?? 0))
|
||||||
|
: '';
|
||||||
|
const defaultRate = bill ? String(bill.interest_rate ?? 0) : '';
|
||||||
|
const isDirty = simPayment !== defaultSimPayment || simRate !== defaultRate || oneTimeExtra !== '';
|
||||||
|
|
||||||
|
const handleReset = () => {
|
||||||
|
if (!bill) return;
|
||||||
|
setSimPayment(defaultSimPayment);
|
||||||
|
setSimRate(defaultRate);
|
||||||
|
setOneTimeExtra('');
|
||||||
|
};
|
||||||
|
|
||||||
|
const handleApply = async () => {
|
||||||
|
if (!bill || applying) return;
|
||||||
|
setApplying(true);
|
||||||
|
try {
|
||||||
|
await api.updateBill(bill.id, { expected_amount: simPaymentN });
|
||||||
|
toast.success(`"${bill.name}" updated to ${fmt(simPaymentN)}/mo`, {
|
||||||
|
action: {
|
||||||
|
label: 'Undo',
|
||||||
|
onClick: async () => {
|
||||||
|
await api.updateBill(bill.id, { expected_amount: bill.expected_amount });
|
||||||
|
toast.success('Reverted');
|
||||||
|
loadData();
|
||||||
|
},
|
||||||
|
},
|
||||||
|
});
|
||||||
|
loadData();
|
||||||
|
} catch {
|
||||||
|
toast.error('Failed to update bill');
|
||||||
|
} finally {
|
||||||
|
setApplying(false);
|
||||||
|
}
|
||||||
|
};
|
||||||
|
|
||||||
|
// ── Render ──────────────────────────────────────────────────────────────────
|
||||||
|
|
||||||
|
if (loading) {
|
||||||
|
return (
|
||||||
|
<div className="space-y-6 animate-pulse">
|
||||||
|
<div className="h-8 w-64 rounded-lg bg-muted/50" />
|
||||||
|
<div className="h-4 w-96 rounded bg-muted/50" />
|
||||||
|
<div className="grid grid-cols-1 lg:grid-cols-[360px_1fr] gap-6">
|
||||||
|
<div className="space-y-4">
|
||||||
|
{[1, 2, 3, 4].map(i => (
|
||||||
|
<div key={i} className="h-16 rounded-xl bg-muted/40" />
|
||||||
|
))}
|
||||||
|
</div>
|
||||||
|
<div className="h-96 rounded-xl bg-muted/40" />
|
||||||
|
</div>
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
||||||
|
if (loadError) {
|
||||||
|
return (
|
||||||
|
<div className="flex flex-col items-center justify-center py-24 text-center rounded-xl border border-destructive/20 bg-destructive/5">
|
||||||
|
<AlertCircle className="h-10 w-10 text-destructive mb-3" />
|
||||||
|
<p className="text-sm font-medium">Failed to load data</p>
|
||||||
|
<p className="mt-1 text-xs text-muted-foreground">{loadError}</p>
|
||||||
|
<Button size="sm" variant="outline" onClick={loadData} className="mt-4 gap-1.5 text-xs">
|
||||||
|
<RefreshCw className="h-3 w-3" /> Try again
|
||||||
|
</Button>
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
||||||
|
return (
|
||||||
|
<div>
|
||||||
|
|
||||||
|
{/* Page header */}
|
||||||
|
<div className="mb-6 flex items-start justify-between gap-4">
|
||||||
|
<div>
|
||||||
|
<h1 className="text-2xl font-bold tracking-tight">Payoff Simulator</h1>
|
||||||
|
<p className="text-sm text-muted-foreground mt-0.5">
|
||||||
|
Explore how extra payments reduce interest and shorten your payoff timeline.
|
||||||
|
</p>
|
||||||
|
</div>
|
||||||
|
{isDirty && (
|
||||||
|
<Button size="sm" variant="ghost" onClick={handleReset} className="gap-1.5 text-xs shrink-0 mt-1">
|
||||||
|
<RotateCcw className="h-3 w-3" /> Reset
|
||||||
|
</Button>
|
||||||
|
)}
|
||||||
|
</div>
|
||||||
|
|
||||||
|
{/* Bill selector */}
|
||||||
|
<div className="mb-6">
|
||||||
|
{bills.length === 0 ? (
|
||||||
|
<EmptyDebts />
|
||||||
|
) : (
|
||||||
|
<Select value={selectedId ? String(selectedId) : ''} onValueChange={v => setSelectedId(Number(v))}>
|
||||||
|
<SelectTrigger className="w-72">
|
||||||
|
<SelectValue placeholder="Select a loan or debt…" />
|
||||||
|
</SelectTrigger>
|
||||||
|
<SelectContent>
|
||||||
|
{bills.map(b => (
|
||||||
|
<SelectItem key={b.id} value={String(b.id)}>
|
||||||
|
<span className="font-medium">{b.name}</span>
|
||||||
|
{b.current_balance ? (
|
||||||
|
<span className="ml-2 text-muted-foreground font-mono text-xs">
|
||||||
|
{fmt(b.current_balance)}
|
||||||
|
</span>
|
||||||
|
) : null}
|
||||||
|
</SelectItem>
|
||||||
|
))}
|
||||||
|
</SelectContent>
|
||||||
|
</Select>
|
||||||
|
)}
|
||||||
|
</div>
|
||||||
|
|
||||||
|
{/* Main content: left panel + right panel */}
|
||||||
|
{!bill ? (
|
||||||
|
bills.length > 0 ? <NoSelection /> : null
|
||||||
|
) : (
|
||||||
|
<div className="grid grid-cols-1 lg:grid-cols-[340px_1fr] gap-6 items-start">
|
||||||
|
|
||||||
|
{/* ── Left panel ── */}
|
||||||
|
<div className="table-surface p-5 space-y-5">
|
||||||
|
|
||||||
|
{/* Required minimum */}
|
||||||
|
<div className="rounded-lg bg-muted/30 px-4 py-3 flex items-center justify-between">
|
||||||
|
<span className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">
|
||||||
|
Required Minimum
|
||||||
|
</span>
|
||||||
|
<span className="font-mono text-lg font-bold tabular-nums">
|
||||||
|
{minPayment > 0 ? fmt(minPayment) : <span className="text-muted-foreground text-sm">Not set</span>}
|
||||||
|
</span>
|
||||||
|
</div>
|
||||||
|
|
||||||
|
{minPayment <= 0 && (
|
||||||
|
<p className="text-xs text-amber-600 dark:text-amber-400 flex items-center gap-1.5">
|
||||||
|
<AlertCircle className="h-3.5 w-3.5 shrink-0" />
|
||||||
|
Set a minimum payment on the Snowball page for best results.
|
||||||
|
</p>
|
||||||
|
)}
|
||||||
|
|
||||||
|
{/* Interest rate */}
|
||||||
|
<InputRow label="Interest Rate" hint="Override to test scenarios">
|
||||||
|
<div className="flex items-center gap-2">
|
||||||
|
<Input
|
||||||
|
type="number" min="0" max="99" step="0.01"
|
||||||
|
value={simRate}
|
||||||
|
onChange={e => setSimRate(e.target.value)}
|
||||||
|
className="font-mono"
|
||||||
|
placeholder="0.00"
|
||||||
|
/>
|
||||||
|
<span className="text-sm text-muted-foreground shrink-0">%</span>
|
||||||
|
</div>
|
||||||
|
</InputRow>
|
||||||
|
|
||||||
|
{/* Monthly payment */}
|
||||||
|
<InputRow label="Monthly Payment">
|
||||||
|
<Input
|
||||||
|
type="number" min="0" step="1"
|
||||||
|
value={simPayment}
|
||||||
|
onChange={e => setSimPayment(e.target.value)}
|
||||||
|
className="font-mono"
|
||||||
|
placeholder="0.00"
|
||||||
|
/>
|
||||||
|
{paymentBelowMin && (
|
||||||
|
<p className="text-[11px] text-amber-600 dark:text-amber-400 flex items-center gap-1 mt-1">
|
||||||
|
<AlertCircle className="h-3 w-3 shrink-0" />
|
||||||
|
Below minimum payment of {fmt(minPayment)}
|
||||||
|
</p>
|
||||||
|
)}
|
||||||
|
{paymentTooLow && !paymentBelowMin && (
|
||||||
|
<p className="text-[11px] text-destructive flex items-center gap-1 mt-1">
|
||||||
|
<AlertCircle className="h-3 w-3 shrink-0" />
|
||||||
|
Payment too low to overcome interest
|
||||||
|
</p>
|
||||||
|
)}
|
||||||
|
{simPaymentN > 0 && simPaymentN !== (bill?.expected_amount ?? 0) && !paymentTooLow && (
|
||||||
|
<button
|
||||||
|
type="button"
|
||||||
|
onClick={handleApply}
|
||||||
|
disabled={applying}
|
||||||
|
className="mt-1.5 text-[11px] text-primary hover:underline flex items-center gap-1 disabled:opacity-50"
|
||||||
|
>
|
||||||
|
<ArrowRight className="h-3 w-3" />
|
||||||
|
{applying ? 'Applying…' : `Apply ${fmt(simPaymentN)}/mo to my budget`}
|
||||||
|
</button>
|
||||||
|
)}
|
||||||
|
</InputRow>
|
||||||
|
|
||||||
|
{/* One-time extra */}
|
||||||
|
<InputRow label="One-time Extra This Month" hint="Optional lump sum">
|
||||||
|
<div className="flex items-center gap-1">
|
||||||
|
<Input
|
||||||
|
type="number" min="0" step="100"
|
||||||
|
value={oneTimeExtra}
|
||||||
|
onChange={e => setOneTimeExtra(e.target.value)}
|
||||||
|
className="font-mono"
|
||||||
|
placeholder="0.00"
|
||||||
|
/>
|
||||||
|
<div className="flex flex-col gap-0.5">
|
||||||
|
<button
|
||||||
|
type="button"
|
||||||
|
className="rounded px-1.5 py-0.5 text-xs text-muted-foreground hover:bg-muted transition-colors"
|
||||||
|
onClick={() => setOneTimeExtra(String(Math.max(0, oneTimeExtraN + 100)))}
|
||||||
|
>▲</button>
|
||||||
|
<button
|
||||||
|
type="button"
|
||||||
|
className="rounded px-1.5 py-0.5 text-xs text-muted-foreground hover:bg-muted transition-colors"
|
||||||
|
onClick={() => setOneTimeExtra(String(Math.max(0, oneTimeExtraN - 100)))}
|
||||||
|
>▼</button>
|
||||||
|
</div>
|
||||||
|
</div>
|
||||||
|
</InputRow>
|
||||||
|
|
||||||
|
{/* Divider */}
|
||||||
|
<div className="border-t border-border/50" />
|
||||||
|
|
||||||
|
{/* Payoff date summary */}
|
||||||
|
<div className="space-y-2">
|
||||||
|
{simPayoffLabel ? (
|
||||||
|
<div className="flex items-baseline justify-between">
|
||||||
|
<span className="text-xs text-muted-foreground uppercase tracking-wider font-semibold">Payoff</span>
|
||||||
|
<div className="text-right">
|
||||||
|
<span className="text-xl font-bold font-mono text-amber-500 dark:text-amber-400">
|
||||||
|
{simPayoffLabel}
|
||||||
|
</span>
|
||||||
|
{simDuration && (
|
||||||
|
<p className="text-[11px] text-muted-foreground">{simDuration}</p>
|
||||||
|
)}
|
||||||
|
</div>
|
||||||
|
</div>
|
||||||
|
) : (
|
||||||
|
<p className="text-xs text-muted-foreground text-center">Enter a payment to see payoff date</p>
|
||||||
|
)}
|
||||||
|
|
||||||
|
{minPayoffLabel && simPayoffLabel && minPayoffLabel !== simPayoffLabel && (
|
||||||
|
<div className="flex items-baseline justify-between">
|
||||||
|
<span className="text-[11px] text-muted-foreground">Minimum only</span>
|
||||||
|
<span className="text-[11px] text-muted-foreground font-mono line-through">{minPayoffLabel}</span>
|
||||||
|
</div>
|
||||||
|
)}
|
||||||
|
</div>
|
||||||
|
|
||||||
|
</div>
|
||||||
|
|
||||||
|
{/* ── Right panel ── */}
|
||||||
|
<div className="space-y-4">
|
||||||
|
|
||||||
|
{/* Chart */}
|
||||||
|
{simTrack.length > 0 ? (
|
||||||
|
<PayoffChart
|
||||||
|
minTrack={minTrack}
|
||||||
|
currentTrack={currentTrack}
|
||||||
|
simTrack={simTrack}
|
||||||
|
startBalance={bill.current_balance}
|
||||||
|
/>
|
||||||
|
) : (
|
||||||
|
<div className="flex items-center justify-center rounded-xl border border-dashed border-border/60 bg-muted/10 h-[300px] text-sm text-muted-foreground">
|
||||||
|
{simPaymentN <= 0 ? 'Enter a monthly payment to see the chart' : 'Payment too low to pay off this debt'}
|
||||||
|
</div>
|
||||||
|
)}
|
||||||
|
|
||||||
|
{/* Stats row */}
|
||||||
|
{simTrack.length > 0 && (
|
||||||
|
<>
|
||||||
|
<div className="grid grid-cols-2 gap-3">
|
||||||
|
<StatCard
|
||||||
|
label="Interest Savings"
|
||||||
|
value={fmtShort(interestSavings)}
|
||||||
|
sub="vs minimum only"
|
||||||
|
color={interestSavings > 0 ? 'teal' : 'slate'}
|
||||||
|
/>
|
||||||
|
<StatCard
|
||||||
|
label="Time Savings"
|
||||||
|
value={timeSavings > 0 ? `${timeSavings} mo` : '—'}
|
||||||
|
sub={timeSavings > 0 ? 'months sooner' : 'same timeline'}
|
||||||
|
color={timeSavings > 0 ? 'amber' : 'slate'}
|
||||||
|
/>
|
||||||
|
</div>
|
||||||
|
|
||||||
|
{/* Breakdown */}
|
||||||
|
<div className="table-surface divide-y divide-border/50">
|
||||||
|
<div className="px-5 py-3 flex items-center justify-between">
|
||||||
|
<span className="text-sm text-muted-foreground">Balance today</span>
|
||||||
|
<span className="font-mono text-sm font-semibold">{fmt(bill.current_balance)}</span>
|
||||||
|
</div>
|
||||||
|
<div className="px-5 py-3 flex items-center justify-between">
|
||||||
|
<span className="text-sm text-muted-foreground">Total interest</span>
|
||||||
|
<span className="font-mono text-sm font-semibold text-rose-500">{fmt(simInterest)}</span>
|
||||||
|
</div>
|
||||||
|
<div className="px-5 py-3 flex items-center justify-between">
|
||||||
|
<span className="text-sm font-medium">Total paid</span>
|
||||||
|
<span className="font-mono text-sm font-bold">{fmt(simTotalPaid)}</span>
|
||||||
|
</div>
|
||||||
|
</div>
|
||||||
|
</>
|
||||||
|
)}
|
||||||
|
|
||||||
|
</div>
|
||||||
|
</div>
|
||||||
|
)}
|
||||||
|
|
||||||
|
</div>
|
||||||
|
);
|
||||||
|
}
|
||||||
|
|
@ -1,6 +1,6 @@
|
||||||
{
|
{
|
||||||
"name": "bill-tracker",
|
"name": "bill-tracker",
|
||||||
"version": "0.34.1",
|
"version": "0.34.2",
|
||||||
"description": "Monthly bill tracking system",
|
"description": "Monthly bill tracking system",
|
||||||
"main": "server.js",
|
"main": "server.js",
|
||||||
"scripts": {
|
"scripts": {
|
||||||
|
|
|
||||||
Loading…
Reference in New Issue