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feat: v0.93 — stable provider keys, per-payment interest tracking with once-per-month gating

This commit is contained in:
null 2026-06-06 16:34:20 -05:00
parent a2ac241cd3
commit 840620efe2
11 changed files with 245 additions and 123 deletions
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85
db/database.js
View File

@ -2984,6 +2984,78 @@ function runMigrations() {
`); `);
console.log('[v0.92] WebAuthn tables + users columns added'); console.log('[v0.92] WebAuthn tables + users columns added');
} }
},
{
version: 'v0.93',
description: 'bills: interest_accrued_month; payments: interest_delta; transactions: stable provider key + dedupe index',
dependsOn: ['v0.92'],
run: function() {
// 1. Track the calendar month when interest was last applied to a debt bill
// so computeBalanceDelta can skip interest if it was already charged this month.
const billCols = db.prepare('PRAGMA table_info(bills)').all().map(c => c.name);
if (!billCols.includes('interest_accrued_month')) {
db.exec('ALTER TABLE bills ADD COLUMN interest_accrued_month TEXT');
console.log('[v0.93] bills.interest_accrued_month column added');
}
// 2. Track the interest component of each payment separately so delete/restore
// can handle it without double-charging interest.
const paymentCols = db.prepare('PRAGMA table_info(payments)').all().map(c => c.name);
if (!paymentCols.includes('interest_delta')) {
db.exec('ALTER TABLE payments ADD COLUMN interest_delta REAL');
console.log('[v0.93] payments.interest_delta column added');
}
// 3. Strip the data_source_id from existing provider_transaction_id keys so
// they survive disconnect/reconnect. Old: "simplefin:{dsId}:{acctId}:{txId}"
// New: "simplefin:{acctId}:{txId}".
// Only rows where the segment after "simplefin:" is a numeric id are migrated.
db.exec(`
UPDATE transactions
SET provider_transaction_id =
'simplefin:' || SUBSTR(
provider_transaction_id,
INSTR(SUBSTR(provider_transaction_id, 11), ':') + 11
)
WHERE provider_transaction_id LIKE 'simplefin:%'
AND CAST(
SUBSTR(provider_transaction_id, 11,
INSTR(SUBSTR(provider_transaction_id, 11), ':') - 1)
AS INTEGER) > 0
`);
console.log('[v0.93] transactions: stripped data_source_id from provider_transaction_id');
// 4. Dedup: after the key change, users who disconnected and reconnected now
// have duplicate (user_id, provider_transaction_id) pairs. Keep the best row
// (prefer linked rows; break ties by most-recent created_at).
db.exec(`
DELETE FROM transactions
WHERE id IN (
SELECT id FROM (
SELECT id,
ROW_NUMBER() OVER (
PARTITION BY user_id, provider_transaction_id
ORDER BY (data_source_id IS NULL) ASC, created_at DESC
) AS rn
FROM transactions
WHERE provider_transaction_id IS NOT NULL
)
WHERE rn > 1
)
`);
console.log('[v0.93] transactions: removed duplicate provider keys from disconnect/reconnect');
// 5. Replace the old dedupe index (data_source_id, provider_transaction_id)
// with a user-scoped one (user_id, provider_transaction_id) so reconnect
// with a new data_source_id still deduplicates correctly.
db.exec(`
DROP INDEX IF EXISTS idx_transactions_provider_dedupe;
CREATE UNIQUE INDEX idx_transactions_provider_dedupe
ON transactions (user_id, provider_transaction_id)
WHERE provider_transaction_id IS NOT NULL;
`);
console.log('[v0.93] transactions: dedupe index changed to (user_id, provider_transaction_id)');
}
} }
]; ];
@ -3327,6 +3399,19 @@ function getDbPath() {
// Rollback SQL definitions // Rollback SQL definitions
const ROLLBACK_SQL_MAP = { const ROLLBACK_SQL_MAP = {
'v0.93': {
description: 'bills: interest_accrued_month; payments: interest_delta; transactions: stable provider key',
sql: [
'ALTER TABLE bills DROP COLUMN IF EXISTS interest_accrued_month',
'ALTER TABLE payments DROP COLUMN IF EXISTS interest_delta',
// Restore the old (data_source_id, provider_transaction_id) dedupe index.
// The key format change and deleted duplicates cannot be reversed.
'DROP INDEX IF EXISTS idx_transactions_provider_dedupe',
`CREATE UNIQUE INDEX IF NOT EXISTS idx_transactions_provider_dedupe
ON transactions (data_source_id, provider_transaction_id)
WHERE provider_transaction_id IS NOT NULL`,
]
},
'v0.44': { 'v0.44': {
description: 'performance: add missing indexes for frequently queried columns', description: 'performance: add missing indexes for frequently queried columns',
sql: [ sql: [

21
routes/bills.js
View File

@ -9,6 +9,7 @@ const {
sanitizeTemplateData, sanitizeTemplateData,
validateBillData, validateBillData,
computeBalanceDelta, computeBalanceDelta,
applyBalanceDelta,
} = require('../services/billsService'); } = require('../services/billsService');
const { amortizationSchedule, debtAprSnapshot } = require('../services/aprService'); const { amortizationSchedule, debtAprSnapshot } = require('../services/aprService');
const { standardizeError } = require('../middleware/errorFormatter'); const { standardizeError } = require('../middleware/errorFormatter');
@ -683,13 +684,10 @@ router.post('/:id/toggle-paid', (req, res) => {
const balCalc = computeBalanceDelta(bill, payment.amount); const balCalc = computeBalanceDelta(bill, payment.amount);
const result = db.prepare( const result = db.prepare(
'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?)' 'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?, ?)'
).run(billId, payment.amount, payment.paid_date, method, notes, balCalc?.balance_delta ?? null, payment.payment_source); ).run(billId, payment.amount, payment.paid_date, method, notes, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null, payment.payment_source);
if (balCalc) { applyBalanceDelta(db, billId, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(balCalc.new_balance, billId);
}
res.status(201).json({ res.status(201).json({
success: true, success: true,
isPaid: true, isPaid: true,
@ -1138,13 +1136,12 @@ router.post('/:id/merchant-rules/import-historical', (req, res) => {
if (validIds.length === 0) if (validIds.length === 0)
return res.status(400).json(standardizeError('No valid transaction ids provided', 'VALIDATION_ERROR')); return res.status(400).json(standardizeError('No valid transaction ids provided', 'VALIDATION_ERROR'));
const getBill = db.prepare('SELECT current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL'); const getBill = db.prepare('SELECT current_balance, interest_rate, interest_accrued_month FROM bills WHERE id = ? AND deleted_at IS NULL');
const getTx = db.prepare('SELECT * FROM transactions WHERE id = ? AND user_id = ? AND amount < 0'); const getTx = db.prepare('SELECT * FROM transactions WHERE id = ? AND user_id = ? AND amount < 0');
const insertPayment = db.prepare(` const insertPayment = db.prepare(`
INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta) INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta, interest_delta)
VALUES (?, ?, ?, 'provider_sync', ?, ?) VALUES (?, ?, ?, 'provider_sync', ?, ?, ?)
`); `);
const updateBalance = db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?");
const updateTx = db.prepare(` const updateTx = db.prepare(`
UPDATE transactions SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now') WHERE id = ? UPDATE transactions SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now') WHERE id = ?
`); `);
@ -1165,9 +1162,9 @@ router.post('/:id/merchant-rules/import-historical', (req, res) => {
const billRow = getBill.get(billId); const billRow = getBill.get(billId);
const balCalc = billRow ? computeBalanceDelta(billRow, amount) : null; const balCalc = billRow ? computeBalanceDelta(billRow, amount) : null;
const result = insertPayment.run(billId, amount, paidDate, txId, balCalc?.balance_delta ?? null); const result = insertPayment.run(billId, amount, paidDate, txId, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null);
if (result.changes > 0) { if (result.changes > 0) {
if (balCalc) updateBalance.run(balCalc.new_balance, billId); applyBalanceDelta(db, billId, balCalc);
updateTx.run(billId, txId); updateTx.run(billId, txId);
imported++; imported++;

11
routes/matches.js
View File

@ -1,7 +1,7 @@
const router = require('express').Router(); const router = require('express').Router();
const { standardizeError } = require('../middleware/errorFormatter'); const { standardizeError } = require('../middleware/errorFormatter');
const { getDb } = require('../db/database'); const { getDb } = require('../db/database');
const { computeBalanceDelta } = require('../services/billsService'); const { computeBalanceDelta, applyBalanceDelta } = require('../services/billsService');
const { const {
listMatchSuggestions, listMatchSuggestions,
rejectMatchSuggestion, rejectMatchSuggestion,
@ -62,13 +62,10 @@ router.post('/confirm', (req, res) => {
db.exec('BEGIN'); db.exec('BEGIN');
const payResult = db.prepare( const payResult = db.prepare(
"INSERT INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta) VALUES (?, ?, ?, 'transaction_match', ?, ?)" "INSERT INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta, interest_delta) VALUES (?, ?, ?, 'transaction_match', ?, ?, ?)"
).run(billId, amount, paidDate, txId, balCalc?.balance_delta ?? null); ).run(billId, amount, paidDate, txId, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null);
if (balCalc) { applyBalanceDelta(db, billId, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(balCalc.new_balance, billId);
}
db.prepare(` db.prepare(`
UPDATE transactions UPDATE transactions

92
routes/payments.js
View File

@ -2,7 +2,7 @@ const express = require('express');
const { standardizeError } = require('../middleware/errorFormatter'); const { standardizeError } = require('../middleware/errorFormatter');
const router = require('express').Router(); const router = require('express').Router();
const { getDb } = require('../db/database'); const { getDb } = require('../db/database');
const { computeBalanceDelta } = require('../services/billsService'); const { computeBalanceDelta, applyBalanceDelta } = require('../services/billsService');
const { validatePaymentInput } = require('../services/paymentValidation'); const { validatePaymentInput } = require('../services/paymentValidation');
const { getCycleRange, resolveDueDate } = require('../services/statusService'); const { getCycleRange, resolveDueDate } = require('../services/statusService');
@ -130,13 +130,10 @@ router.post('/', (req, res) => {
const balCalc = computeBalanceDelta(bill, payment.amount); const balCalc = computeBalanceDelta(bill, payment.amount);
const result = db.prepare( const result = db.prepare(
'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?)' 'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?, ?)'
).run(payment.bill_id, payment.amount, payment.paid_date, method || null, notes || null, balCalc?.balance_delta ?? null, payment.payment_source); ).run(payment.bill_id, payment.amount, payment.paid_date, method || null, notes || null, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null, payment.payment_source);
if (balCalc) { applyBalanceDelta(db, bill.id, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(balCalc.new_balance, bill.id);
}
res.status(201).json(db.prepare('SELECT * FROM payments WHERE id = ?').get(result.lastInsertRowid)); res.status(201).json(db.prepare('SELECT * FROM payments WHERE id = ?').get(result.lastInsertRowid));
}); });
@ -172,13 +169,10 @@ router.post('/quick', (req, res) => {
const balCalc = computeBalanceDelta(bill, payAmount); const balCalc = computeBalanceDelta(bill, payAmount);
const result = db.prepare( const result = db.prepare(
'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?)' 'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?, ?)'
).run(bill.id, payAmount, payDate, method || null, notes || null, balCalc?.balance_delta ?? null, paySource); ).run(bill.id, payAmount, payDate, method || null, notes || null, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null, paySource);
if (balCalc) { applyBalanceDelta(db, bill.id, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(balCalc.new_balance, bill.id);
}
res.status(201).json(db.prepare('SELECT * FROM payments WHERE id = ?').get(result.lastInsertRowid)); res.status(201).json(db.prepare('SELECT * FROM payments WHERE id = ?').get(result.lastInsertRowid));
}); });
@ -230,8 +224,8 @@ router.post('/autopay-suggestions/:billId/confirm', (req, res) => {
const balCalc = computeBalanceDelta(bill, suggestedPayment.amount); const balCalc = computeBalanceDelta(bill, suggestedPayment.amount);
const result = db.prepare(` const result = db.prepare(`
INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source)
VALUES (?, ?, ?, ?, ?, ?, ?) VALUES (?, ?, ?, ?, ?, ?, ?, ?)
`).run( `).run(
bill.id, bill.id,
suggestedPayment.amount, suggestedPayment.amount,
@ -239,13 +233,11 @@ router.post('/autopay-suggestions/:billId/confirm', (req, res) => {
'autopay', 'autopay',
'Confirmed autopay suggestion', 'Confirmed autopay suggestion',
balCalc?.balance_delta ?? null, balCalc?.balance_delta ?? null,
balCalc?.interest_delta ?? null,
'manual', 'manual',
); );
if (balCalc) { applyBalanceDelta(db, bill.id, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at=datetime('now') WHERE id=?")
.run(balCalc.new_balance, bill.id);
}
db.prepare('DELETE FROM autopay_suggestion_dismissals WHERE user_id = ? AND bill_id = ? AND year = ? AND month = ?') db.prepare('DELETE FROM autopay_suggestion_dismissals WHERE user_id = ? AND bill_id = ? AND year = ? AND month = ?')
.run(req.user.id, bill.id, ym.year, ym.month); .run(req.user.id, bill.id, ym.year, ym.month);
@ -309,10 +301,9 @@ router.post('/bulk', (req, res) => {
} }
const insert = db.prepare( const insert = db.prepare(
'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?)' 'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?, ?)'
); );
const getBillForBalance = db.prepare('SELECT current_balance, interest_rate FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL'); const getBillForBalance = db.prepare('SELECT current_balance, interest_rate, interest_accrued_month FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL');
const applyBalance = db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?");
// Prepare statement for duplicate checking // Prepare statement for duplicate checking
const duplicateCheckStmt = db.prepare( const duplicateCheckStmt = db.prepare(
@ -350,8 +341,8 @@ router.post('/bulk', (req, res) => {
} }
const balCalc = computeBalanceDelta(billRow, parsedAmt); const balCalc = computeBalanceDelta(billRow, parsedAmt);
const r = insert.run(bill_id, parsedAmt, paid_date, method || null, notes || null, balCalc?.balance_delta ?? null, payment_source); const r = insert.run(bill_id, parsedAmt, paid_date, method || null, notes || null, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null, payment_source);
if (balCalc) applyBalance.run(balCalc.new_balance, bill_id); applyBalanceDelta(db, bill_id, balCalc);
created.push(db.prepare('SELECT * FROM payments WHERE id = ?').get(r.lastInsertRowid)); created.push(db.prepare('SELECT * FROM payments WHERE id = ?').get(r.lastInsertRowid));
} }
@ -383,18 +374,27 @@ router.put('/:id', (req, res) => {
let nextBalanceDelta = existing.balance_delta; let nextBalanceDelta = existing.balance_delta;
const bill = db.prepare('SELECT * FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(existing.bill_id, req.user.id); const bill = db.prepare('SELECT * FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(existing.bill_id, req.user.id);
let nextInterestDelta = existing.interest_delta ?? null;
if (bill) { if (bill) {
// Reverse only the *payment* portion of the stored delta (not the interest component)
// so that interest already charged this month is not double-counted. For legacy rows
// where interest_delta is NULL, fall back to reversing the full delta as before.
const interestPortion = existing.interest_delta ?? 0;
const paymentPortion = existing.balance_delta != null ? existing.balance_delta - interestPortion : null;
let restoredBalance = bill.current_balance; let restoredBalance = bill.current_balance;
if (existing.balance_delta != null && bill.current_balance != null) { if (paymentPortion != null && bill.current_balance != null) {
restoredBalance = Math.max(0, Math.round((bill.current_balance - existing.balance_delta) * 100) / 100); restoredBalance = Math.max(0, Math.round((bill.current_balance - paymentPortion) * 100) / 100);
} }
// interest_accrued_month is still set to this month (if interest was charged) so
// computeBalanceDelta will skip interest when the payment is within the same month,
// and charge a fresh month of interest if editing into a new calendar month.
const balCalc = computeBalanceDelta({ ...bill, current_balance: restoredBalance }, nextAmount); const balCalc = computeBalanceDelta({ ...bill, current_balance: restoredBalance }, nextAmount);
nextBalanceDelta = balCalc?.balance_delta ?? null; nextBalanceDelta = balCalc?.balance_delta ?? null;
nextInterestDelta = balCalc?.interest_delta ?? null;
if (balCalc) { if (balCalc) {
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?") applyBalanceDelta(db, existing.bill_id, balCalc);
.run(balCalc.new_balance, existing.bill_id); } else if (paymentPortion != null && restoredBalance != null) {
} else if (existing.balance_delta != null && restoredBalance != null) {
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?") db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(restoredBalance, existing.bill_id); .run(restoredBalance, existing.bill_id);
} }
@ -402,8 +402,8 @@ router.put('/:id', (req, res) => {
db.prepare(` db.prepare(`
UPDATE payments SET UPDATE payments SET
amount = ?, paid_date = ?, method = ?, notes = ?, balance_delta = ?, payment_source = ?, amount = ?, paid_date = ?, method = ?, notes = ?, balance_delta = ?, interest_delta = ?,
updated_at = datetime('now') payment_source = ?, updated_at = datetime('now')
WHERE id = ? WHERE id = ?
AND bill_id IN (SELECT id FROM bills WHERE user_id = ? AND deleted_at IS NULL) AND bill_id IN (SELECT id FROM bills WHERE user_id = ? AND deleted_at IS NULL)
`).run( `).run(
@ -412,6 +412,7 @@ router.put('/:id', (req, res) => {
method !== undefined ? (method || null) : existing.method, method !== undefined ? (method || null) : existing.method,
notes !== undefined ? (notes || null) : existing.notes, notes !== undefined ? (notes || null) : existing.notes,
nextBalanceDelta, nextBalanceDelta,
nextInterestDelta,
nextPaymentSource, nextPaymentSource,
req.params.id, req.params.id,
req.user.id, req.user.id,
@ -427,12 +428,20 @@ router.delete('/:id', (req, res) => {
if (!payment) return res.status(404).json(standardizeError('Payment not found', 'NOT_FOUND', 'id')); if (!payment) return res.status(404).json(standardizeError('Payment not found', 'NOT_FOUND', 'id'));
if (isTransactionLinkedPayment(payment)) return rejectTransactionLinkedPayment(res); if (isTransactionLinkedPayment(payment)) return rejectTransactionLinkedPayment(res);
// Reverse any balance delta that was stored when this payment was created // Reverse any balance delta that was stored when this payment was created.
// If this payment was the one that charged interest this month, clear
// interest_accrued_month so the next payment can re-accrue correctly.
if (payment.balance_delta != null) { if (payment.balance_delta != null) {
const bill = db.prepare('SELECT current_balance FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(payment.bill_id, req.user.id); const bill = db.prepare('SELECT current_balance FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(payment.bill_id, req.user.id);
if (bill?.current_balance != null) { if (bill?.current_balance != null) {
const restored = Math.max(0, Math.round((bill.current_balance - payment.balance_delta) * 100) / 100); const restored = Math.max(0, Math.round((bill.current_balance - payment.balance_delta) * 100) / 100);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?").run(restored, payment.bill_id); db.prepare(`
UPDATE bills
SET current_balance = ?,
interest_accrued_month = CASE WHEN ? THEN NULL ELSE interest_accrued_month END,
updated_at = datetime('now')
WHERE id = ?
`).run(restored, payment.interest_delta != null ? 1 : 0, payment.bill_id);
} }
} }
@ -447,12 +456,21 @@ router.post('/:id/restore', (req, res) => {
if (!payment) return res.status(404).json(standardizeError('Deleted payment not found', 'NOT_FOUND', 'id')); if (!payment) return res.status(404).json(standardizeError('Deleted payment not found', 'NOT_FOUND', 'id'));
if (isTransactionLinkedPayment(payment)) return rejectTransactionLinkedPayment(res); if (isTransactionLinkedPayment(payment)) return rejectTransactionLinkedPayment(res);
// Re-apply the balance delta (undo the reversal done on delete) // Re-apply the balance delta (undo the reversal done on delete).
// If this payment originally charged interest, restore interest_accrued_month
// to the month of the payment so future same-month payments skip interest.
if (payment.balance_delta != null) { if (payment.balance_delta != null) {
const bill = db.prepare('SELECT current_balance FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(payment.bill_id, req.user.id); const bill = db.prepare('SELECT current_balance FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(payment.bill_id, req.user.id);
if (bill?.current_balance != null) { if (bill?.current_balance != null) {
const reapplied = Math.max(0, Math.round((bill.current_balance + payment.balance_delta) * 100) / 100); const reapplied = Math.max(0, Math.round((bill.current_balance + payment.balance_delta) * 100) / 100);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?").run(reapplied, payment.bill_id); const interestMonth = payment.interest_delta != null ? (payment.paid_date?.slice(0, 7) ?? null) : null;
db.prepare(`
UPDATE bills
SET current_balance = ?,
interest_accrued_month = CASE WHEN ? IS NOT NULL THEN ? ELSE interest_accrued_month END,
updated_at = datetime('now')
WHERE id = ?
`).run(reapplied, interestMonth, interestMonth, payment.bill_id);
} }
} }

2
services/bankSyncService.js
View File

@ -109,7 +109,7 @@ async function runSync(db, userId, dataSource, { days } = {}) {
for (const rawTx of (rawAccount.transactions || [])) { for (const rawTx of (rawAccount.transactions || [])) {
const txRow = normalizeTransaction( const txRow = normalizeTransaction(
rawTx, localAccount.id, dataSource.id, userId, dataSource.id, rawAccount.id, rawTx, localAccount.id, dataSource.id, userId, rawAccount.id, rawAccount.currency,
); );
const outcome = insertTransactionIfNew(db, txRow); const outcome = insertTransactionIfNew(db, txRow);
if (outcome === 'inserted') transactionsNew += 1; if (outcome === 'inserted') transactionsNew += 1;

24
services/billMerchantRuleService.js
View File

@ -1,7 +1,7 @@
'use strict'; 'use strict';
const { normalizeMerchant } = require('./subscriptionService'); const { normalizeMerchant } = require('./subscriptionService');
const { computeBalanceDelta } = require('./billsService'); const { computeBalanceDelta, applyBalanceDelta } = require('./billsService');
const { getUserSettings } = require('./userSettings'); const { getUserSettings } = require('./userSettings');
// Word-boundary merchant match — requires the rule to appear as complete word(s) // Word-boundary merchant match — requires the rule to appear as complete word(s)
@ -87,12 +87,11 @@ function applyMerchantRules(db, userId) {
const userSettings = (() => { try { return getUserSettings(userId); } catch { return {}; } })(); const userSettings = (() => { try { return getUserSettings(userId); } catch { return {}; } })();
const globalGraceDays = parseInt(userSettings.bank_late_attribution_days, 10) || 0; const globalGraceDays = parseInt(userSettings.bank_late_attribution_days, 10) || 0;
const getBill = db.prepare('SELECT current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL'); const getBill = db.prepare('SELECT current_balance, interest_rate, interest_accrued_month FROM bills WHERE id = ? AND deleted_at IS NULL');
const insertPayment = db.prepare(` const insertPayment = db.prepare(`
INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta) INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta, interest_delta)
VALUES (?, ?, ?, 'provider_sync', ?, ?) VALUES (?, ?, ?, 'provider_sync', ?, ?, ?)
`); `);
const updateBalance = db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?");
const updateTx = db.prepare(` const updateTx = db.prepare(`
UPDATE transactions UPDATE transactions
SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now') SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now')
@ -121,9 +120,9 @@ function applyMerchantRules(db, userId) {
const bill = getBill.get(rule.bill_id); const bill = getBill.get(rule.bill_id);
const balCalc = bill ? computeBalanceDelta(bill, amount) : null; const balCalc = bill ? computeBalanceDelta(bill, amount) : null;
const result = insertPayment.run(rule.bill_id, amount, paidDate, tx.id, balCalc?.balance_delta ?? null); const result = insertPayment.run(rule.bill_id, amount, paidDate, tx.id, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null);
if (result.changes > 0) { if (result.changes > 0) {
if (balCalc) updateBalance.run(balCalc.new_balance, rule.bill_id); applyBalanceDelta(db, rule.bill_id, balCalc);
updateTx.run(rule.bill_id, tx.id, userId); updateTx.run(rule.bill_id, tx.id, userId);
matched++; matched++;
matchedBills.set(rule.bill_id, rule.bill_name || `Bill #${rule.bill_id}`); matchedBills.set(rule.bill_id, rule.bill_name || `Bill #${rule.bill_id}`);
@ -221,12 +220,11 @@ function syncBillPaymentsFromSimplefin(db, userId, billId) {
if (txRows.length === 0) return { added: 0 }; if (txRows.length === 0) return { added: 0 };
const billMeta = db.prepare('SELECT name, due_day, current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL').get(billId); const billMeta = db.prepare('SELECT name, due_day, current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL').get(billId);
const getBill = db.prepare('SELECT current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL'); const getBill = db.prepare('SELECT current_balance, interest_rate, interest_accrued_month FROM bills WHERE id = ? AND deleted_at IS NULL');
const insertPayment = db.prepare(` const insertPayment = db.prepare(`
INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta) INSERT OR IGNORE INTO payments (bill_id, amount, paid_date, payment_source, transaction_id, balance_delta, interest_delta)
VALUES (?, ?, ?, 'provider_sync', ?, ?) VALUES (?, ?, ?, 'provider_sync', ?, ?, ?)
`); `);
const updateBalance = db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?");
const updateTx = db.prepare(` const updateTx = db.prepare(`
UPDATE transactions UPDATE transactions
SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now') SET matched_bill_id = ?, match_status = 'matched', updated_at = datetime('now')
@ -249,9 +247,9 @@ function syncBillPaymentsFromSimplefin(db, userId, billId) {
const bill = getBill.get(billId); const bill = getBill.get(billId);
const balCalc = bill ? computeBalanceDelta(bill, amount) : null; const balCalc = bill ? computeBalanceDelta(bill, amount) : null;
const result = insertPayment.run(billId, amount, paidDate, tx.id, balCalc?.balance_delta ?? null); const result = insertPayment.run(billId, amount, paidDate, tx.id, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null);
if (result.changes > 0) { if (result.changes > 0) {
if (balCalc) updateBalance.run(balCalc.new_balance, billId); applyBalanceDelta(db, billId, balCalc);
updateTx.run(billId, tx.id, userId); updateTx.run(billId, tx.id, userId);
added++; added++;

49
services/billsService.js
View File

@ -456,14 +456,15 @@ function validateCycleDayOnly(cycleType, cycleDay) {
return validateCycleDay(cycleType, cycleDay); return validateCycleDay(cycleType, cycleDay);
} }
/** // Computes how a payment affects a debt bill's current_balance.
* Computes how a payment affects a debt bill's current_balance, accounting for // Interest is applied at most once per calendar month: if bill.interest_accrued_month
* one month of interest accrual. // already equals the current month, no interest is added this call.
* //
* Returns { new_balance, balance_delta } where balance_delta is negative when // Returns null when the bill has no trackable balance.
* the balance was reduced (typical case). Returns null when the bill has no // Otherwise returns:
* trackable balance. // { new_balance, balance_delta, interest_delta, interest_accrued_month }
*/ // where interest_delta and interest_accrued_month are null when no interest
// was charged this call (so callers can use COALESCE to leave the DB column alone).
function computeBalanceDelta(bill, paymentAmount) { function computeBalanceDelta(bill, paymentAmount) {
const bal = Number(bill.current_balance); const bal = Number(bill.current_balance);
const rate = Number(bill.interest_rate) || 0; const rate = Number(bill.interest_rate) || 0;
@ -472,12 +473,33 @@ function computeBalanceDelta(bill, paymentAmount) {
if (!Number.isFinite(bal) || bal <= 0) return null; if (!Number.isFinite(bal) || bal <= 0) return null;
if (!Number.isFinite(amt) || amt <= 0) return null; if (!Number.isFinite(amt) || amt <= 0) return null;
const monthlyInterest = bal * (rate / 100 / 12); const currentMonth = new Date().toISOString().slice(0, 7); // "YYYY-MM"
const raw = bal + monthlyInterest - amt; const applyInterest = rate > 0 && bill.interest_accrued_month !== currentMonth;
const newBalance = Math.round(Math.max(0, raw) * 100) / 100; const interestDelta = applyInterest ? Math.round(bal * (rate / 100 / 12) * 100) / 100 : 0;
const delta = Math.round((newBalance - bal) * 100) / 100;
return { new_balance: newBalance, balance_delta: delta }; const raw = bal + interestDelta - amt;
const newBalance = Math.round(Math.max(0, raw) * 100) / 100;
const delta = Math.round((newBalance - bal) * 100) / 100;
return {
new_balance: newBalance,
balance_delta: delta,
interest_delta: applyInterest ? interestDelta : null,
interest_accrued_month: applyInterest ? currentMonth : null,
};
}
// Updates current_balance (and interest_accrued_month when interest was charged)
// after a payment. Uses COALESCE so a null interest_accrued_month leaves the column alone.
function applyBalanceDelta(db, billId, balCalc) {
if (!balCalc) return;
db.prepare(`
UPDATE bills
SET current_balance = ?,
interest_accrued_month = COALESCE(?, interest_accrued_month),
updated_at = datetime('now')
WHERE id = ?
`).run(balCalc.new_balance, balCalc.interest_accrued_month, billId);
} }
module.exports = { module.exports = {
@ -498,4 +520,5 @@ module.exports = {
validateBillData, validateBillData,
validateCycleDayOnly, validateCycleDayOnly,
computeBalanceDelta, computeBalanceDelta,
applyBalanceDelta,
}; };

11
services/simplefinService.js
View File

@ -162,7 +162,10 @@ function normalizeAccount(rawAccount, dataSourceId, userId) {
}; };
} }
function normalizeTransaction(rawTx, localAccountId, dataSourceId, userId, connId, accountId) { // accountCurrency: currency string from the parent account (e.g. "USD", "EUR").
// accountId: raw SimpleFIN account id — used in the stable dedup key so the key
// survives disconnect/reconnect (data_source_id is intentionally omitted).
function normalizeTransaction(rawTx, localAccountId, dataSourceId, userId, accountId, accountCurrency) {
const amount = Math.round(parseFloat(rawTx.amount) * 100); const amount = Math.round(parseFloat(rawTx.amount) * 100);
const postedDate = rawTx.posted const postedDate = rawTx.posted
? new Date(rawTx.posted * 1000).toISOString().slice(0, 10) ? new Date(rawTx.posted * 1000).toISOString().slice(0, 10)
@ -171,8 +174,8 @@ function normalizeTransaction(rawTx, localAccountId, dataSourceId, userId, connI
? new Date(rawTx['transacted_at'] * 1000).toISOString() ? new Date(rawTx['transacted_at'] * 1000).toISOString()
: null; : null;
// Format: simplefin:{data_source_id}:{simplefin_account_id}:{tx.id} // Format: simplefin:{simplefin_account_id}:{tx.id} (no data_source_id — stable across reconnects)
const providerTxId = `simplefin:${connId}:${accountId}:${rawTx.id}`; const providerTxId = `simplefin:${accountId}:${rawTx.id}`;
return { return {
user_id: userId, user_id: userId,
@ -183,7 +186,7 @@ function normalizeTransaction(rawTx, localAccountId, dataSourceId, userId, connI
posted_date: postedDate, posted_date: postedDate,
transacted_at: transactedAt, transacted_at: transactedAt,
amount: Number.isFinite(amount) ? amount : 0, amount: Number.isFinite(amount) ? amount : 0,
currency: 'USD', currency: accountCurrency ? String(accountCurrency).slice(0, 10) : 'USD',
description: rawTx.description ? String(rawTx.description).slice(0, 500) : null, description: rawTx.description ? String(rawTx.description).slice(0, 500) : null,
payee: rawTx.payee ? String(rawTx.payee).slice(0, 255) : null, payee: rawTx.payee ? String(rawTx.payee).slice(0, 255) : null,
memo: rawTx.memo ? String(rawTx.memo).slice(0, 500) : null, memo: rawTx.memo ? String(rawTx.memo).slice(0, 500) : null,

28
services/spreadsheetImportService.js
View File

@ -14,7 +14,7 @@
const xlsx = require('xlsx'); const xlsx = require('xlsx');
const crypto = require('crypto'); const crypto = require('crypto');
const { getDb, ensureUserDefaultCategories } = require('../db/database'); const { getDb, ensureUserDefaultCategories } = require('../db/database');
const { computeBalanceDelta } = require('./billsService'); const { computeBalanceDelta, applyBalanceDelta } = require('./billsService');
// ─── Constants ──────────────────────────────────────────────────────────────── // ─── Constants ────────────────────────────────────────────────────────────────
@ -1439,20 +1439,17 @@ function createPaymentFromImport(db, billId, amount, paidDate, notes, allowOverw
// Read the bill fresh so sequential imports for the same bill chain correctly // Read the bill fresh so sequential imports for the same bill chain correctly
// (each payment reduces current_balance before the next one is computed). // (each payment reduces current_balance before the next one is computed).
const bill = db.prepare( const bill = db.prepare(
'SELECT current_balance, interest_rate FROM bills WHERE id = ? AND deleted_at IS NULL' 'SELECT current_balance, interest_rate, interest_accrued_month FROM bills WHERE id = ? AND deleted_at IS NULL'
).get(billId); ).get(billId);
const balCalc = bill ? computeBalanceDelta(bill, amount) : null; const balCalc = bill ? computeBalanceDelta(bill, amount) : null;
db.prepare(` db.prepare(`
INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source)
VALUES (?, ?, ?, ?, ?, ?, 'file_import') VALUES (?, ?, ?, ?, ?, ?, ?, 'file_import')
`).run(billId, amount, paidDate, null, notes, balCalc?.balance_delta ?? null); `).run(billId, amount, paidDate, null, notes, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null);
if (balCalc) { applyBalanceDelta(db, billId, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(balCalc.new_balance, billId);
}
return { result: 'created', existing_created_at: null }; return { result: 'created', existing_created_at: null };
} }
@ -1650,7 +1647,7 @@ function applyOneDecision(db, userId, decision, previewRow, sessionData, allowOv
} else if (action === 'create_payment') { } else if (action === 'create_payment') {
const billId = decision.bill_id; const billId = decision.bill_id;
const bill = db.prepare('SELECT id, current_balance, interest_rate FROM bills WHERE id = ? AND active = 1 AND user_id = ?').get(billId, userId); const bill = db.prepare('SELECT id, current_balance, interest_rate, interest_accrued_month FROM bills WHERE id = ? AND active = 1 AND user_id = ?').get(billId, userId);
if (!bill) throw new Error(`Bill id=${billId} not found or inactive`); if (!bill) throw new Error(`Bill id=${billId} not found or inactive`);
const payAmount = decision.payment_amount ?? amount; const payAmount = decision.payment_amount ?? amount;
@ -1686,14 +1683,11 @@ function applyOneDecision(db, userId, decision, previewRow, sessionData, allowOv
const balCalcCp = computeBalanceDelta(bill, payAmount); const balCalcCp = computeBalanceDelta(bill, payAmount);
db.prepare(` db.prepare(`
INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source)
VALUES (?, ?, ?, ?, ?, ?, 'file_import') VALUES (?, ?, ?, ?, ?, ?, ?, 'file_import')
`).run(billId, payAmount, payDate, decision.payment_method ?? null, decision.payment_notes ?? null, balCalcCp?.balance_delta ?? null); `).run(billId, payAmount, payDate, decision.payment_method ?? null, decision.payment_notes ?? null, balCalcCp?.balance_delta ?? null, balCalcCp?.interest_delta ?? null);
if (balCalcCp) { applyBalanceDelta(db, billId, balCalcCp);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?")
.run(balCalcCp.new_balance, billId);
}
summary.created++; summary.created++;
summary.details.push({ row_id, action, result: 'created', bill_id: billId, paid_date: payDate, amount: payAmount }); summary.details.push({ row_id, action, result: 'created', bill_id: billId, paid_date: payDate, amount: payAmount });

10
services/trackerService.js
View File

@ -3,7 +3,7 @@
const { getDb } = require('../db/database'); const { getDb } = require('../db/database');
const { buildTrackerRow, getCycleRange, resolveDueDate, roundMoney } = require('./statusService'); const { buildTrackerRow, getCycleRange, resolveDueDate, roundMoney } = require('./statusService');
const { getUserSettings } = require('./userSettings'); const { getUserSettings } = require('./userSettings');
const { computeBalanceDelta } = require('./billsService'); const { computeBalanceDelta, applyBalanceDelta } = require('./billsService');
const { computeAmountSuggestion } = require('./amountSuggestionService'); const { computeAmountSuggestion } = require('./amountSuggestionService');
const DEFAULT_PENDING_DAYS = 3; const DEFAULT_PENDING_DAYS = 3;
@ -216,8 +216,8 @@ function applyAutopaySuggestions(db, bill, payments, mbs, year, month, todayStr,
const balCalc = computeBalanceDelta(bill, suggestedAmount); const balCalc = computeBalanceDelta(bill, suggestedAmount);
const result = db.prepare(` const result = db.prepare(`
INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, payment_source) INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source)
VALUES (?, ?, ?, ?, ?, ?, ?) VALUES (?, ?, ?, ?, ?, ?, ?, ?)
`).run( `).run(
bill.id, bill.id,
suggestedAmount, suggestedAmount,
@ -225,12 +225,12 @@ function applyAutopaySuggestions(db, bill, payments, mbs, year, month, todayStr,
'autopay', 'autopay',
'Auto-marked paid on due date', 'Auto-marked paid on due date',
balCalc?.balance_delta ?? null, balCalc?.balance_delta ?? null,
balCalc?.interest_delta ?? null,
'manual', 'manual',
); );
if (balCalc) { if (balCalc) {
db.prepare("UPDATE bills SET current_balance = ?, updated_at=datetime('now') WHERE id=?") applyBalanceDelta(db, bill.id, balCalc);
.run(balCalc.new_balance, bill.id);
bill.current_balance = balCalc.new_balance; bill.current_balance = balCalc.new_balance;
} }
payments.push(db.prepare(` payments.push(db.prepare(`

35
services/transactionMatchService.js
View File

@ -1,7 +1,7 @@
'use strict'; 'use strict';
const { getDb } = require('../db/database'); const { getDb } = require('../db/database');
const { computeBalanceDelta } = require('./billsService'); const { computeBalanceDelta, applyBalanceDelta } = require('./billsService');
const { const {
decorateTransaction, decorateTransaction,
getTransactionForUser, getTransactionForUser,
@ -105,18 +105,22 @@ function restorePaymentBalance(db, payment) {
if (bill?.current_balance == null) return; if (bill?.current_balance == null) return;
const restored = Math.max(0, Math.round((Number(bill.current_balance) - Number(payment.balance_delta)) * 100) / 100); const restored = Math.max(0, Math.round((Number(bill.current_balance) - Number(payment.balance_delta)) * 100) / 100);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?") // Clear interest_accrued_month when reversing a payment that charged interest,
.run(restored, bill.id); // so the re-applied payment can accrue interest fresh.
db.prepare(`
UPDATE bills
SET current_balance = ?,
interest_accrued_month = CASE WHEN ? THEN NULL ELSE interest_accrued_month END,
updated_at = datetime('now')
WHERE id = ?
`).run(restored, payment.interest_delta != null ? 1 : 0, bill.id);
} }
function applyPaymentBalance(db, bill, amount) { function applyPaymentBalance(db, bill, amount) {
const freshBill = db.prepare('SELECT * FROM bills WHERE id = ?').get(bill.id) || bill; const freshBill = db.prepare('SELECT * FROM bills WHERE id = ?').get(bill.id) || bill;
const balCalc = computeBalanceDelta(freshBill, amount); const balCalc = computeBalanceDelta(freshBill, amount);
if (balCalc) { applyBalanceDelta(db, bill.id, balCalc);
db.prepare("UPDATE bills SET current_balance = ?, updated_at = datetime('now') WHERE id = ?") return { balance_delta: balCalc?.balance_delta ?? null, interest_delta: balCalc?.interest_delta ?? null };
.run(balCalc.new_balance, bill.id);
}
return balCalc?.balance_delta ?? null;
} }
function buildMatchPaymentNotes(transaction, bill) { function buildMatchPaymentNotes(transaction, bill) {
@ -141,7 +145,7 @@ function createOrUpdateMatchPayment(db, userId, transaction, bill) {
if (existingPayment) { if (existingPayment) {
restorePaymentBalance(db, existingPayment); restorePaymentBalance(db, existingPayment);
const balanceDelta = applyPaymentBalance(db, bill, amount); const { balance_delta, interest_delta } = applyPaymentBalance(db, bill, amount);
db.prepare(` db.prepare(`
UPDATE payments UPDATE payments
SET bill_id = ?, SET bill_id = ?,
@ -150,6 +154,7 @@ function createOrUpdateMatchPayment(db, userId, transaction, bill) {
method = ?, method = ?,
notes = ?, notes = ?,
balance_delta = ?, balance_delta = ?,
interest_delta = ?,
payment_source = ?, payment_source = ?,
updated_at = datetime('now') updated_at = datetime('now')
WHERE id = ? WHERE id = ?
@ -159,25 +164,27 @@ function createOrUpdateMatchPayment(db, userId, transaction, bill) {
paidDate, paidDate,
MATCH_PAYMENT_METHOD, MATCH_PAYMENT_METHOD,
notes, notes,
balanceDelta, balance_delta,
interest_delta,
MATCH_PAYMENT_SOURCE, MATCH_PAYMENT_SOURCE,
existingPayment.id, existingPayment.id,
); );
return existingPayment.id; return existingPayment.id;
} }
const balanceDelta = applyPaymentBalance(db, bill, amount); const { balance_delta, interest_delta } = applyPaymentBalance(db, bill, amount);
const result = db.prepare(` const result = db.prepare(`
INSERT INTO payments INSERT INTO payments
(bill_id, amount, paid_date, method, notes, balance_delta, payment_source, transaction_id) (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source, transaction_id)
VALUES (?, ?, ?, ?, ?, ?, ?, ?) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)
`).run( `).run(
bill.id, bill.id,
amount, amount,
paidDate, paidDate,
MATCH_PAYMENT_METHOD, MATCH_PAYMENT_METHOD,
notes, notes,
balanceDelta, balance_delta,
interest_delta,
MATCH_PAYMENT_SOURCE, MATCH_PAYMENT_SOURCE,
transaction.id, transaction.id,
); );