v0.28.

client/components/BillModal.jsx

@@ -27,12 +27,18 @@ function getOrdinalSuffix(day) {
 const CAT_NONE = 'none';
 
 const DEBT_KEYWORDS = ['credit', 'loan', 'mortgage', 'housing', 'debt'];
+const SNOWBALL_KEYWORDS = ['credit', 'loan', 'debt'];
 
 function isDebtCat(categories, catId) {
   if (!catId || catId === CAT_NONE) return false;
   const cat = categories.find(c => String(c.id) === catId);
   return cat ? DEBT_KEYWORDS.some(kw => cat.name.toLowerCase().includes(kw)) : false;
 }
+function isSnowballCat(categories, catId) {
+  if (!catId || catId === CAT_NONE) return false;
+  const cat = categories.find(c => String(c.id) === catId);
+  return cat ? SNOWBALL_KEYWORDS.some(kw => cat.name.toLowerCase().includes(kw)) : false;
+}
 
 export default function BillModal({ bill, categories, onClose, onSave }) {
   const isNew = !bill;
@@ -66,7 +72,8 @@ export default function BillModal({ bill, categories, onClose, onSave }) {
   const [errors,         setErrors]       = useState({});
 
   const isDebtCategory = isDebtCat(categories, categoryId);
-  const showOnSnowball = snowballInclude || (isDebtCategory && !snowballExempt);
+  const isSnowballCategory = isSnowballCat(categories, categoryId);
+  const showOnSnowball = snowballInclude || (isSnowballCategory && !snowballExempt);
 
   const validateName = (val) => {
     if (!val || val.trim() === '') return 'Name is required';
@@ -144,10 +151,10 @@ export default function BillModal({ bill, categories, onClose, onSave }) {
   const handleSnowballVisibilityChange = (checked) => {
     if (checked) {
       setSnowballExempt(false);
-      setSnowballInclude(!isDebtCategory);
+      setSnowballInclude(!isSnowballCategory);
     } else {
       setSnowballInclude(false);
-      setSnowballExempt(isDebtCategory);
+      setSnowballExempt(isSnowballCategory);
     }
   };
 
@@ -387,12 +394,12 @@ export default function BillModal({ bill, categories, onClose, onSave }) {
                   className={cn('h-3.5 w-3.5 transition-transform duration-150', !showDebtSection && '-rotate-90')}
                 />
                 Debt / Snowball Details
-                {isDebtCategory && (
+                {isSnowballCategory && (
                   <span className="ml-1 text-[9px] text-emerald-400 font-semibold tracking-normal normal-case">
-                    · auto-detected
+                    · snowball auto-detected
                   </span>
                 )}
-                {!showOnSnowball && isDebtCategory && (
+                {!showOnSnowball && isSnowballCategory && (
                   <span className="ml-1 text-[9px] text-amber-400 font-semibold tracking-normal normal-case">
                     · exempt
                   </span>
@@ -473,7 +480,7 @@ export default function BillModal({ bill, categories, onClose, onSave }) {
                       </span>
                     </label>
                     <p className="text-[10px] text-muted-foreground/70 pl-6">
-                      Uncheck to exempt an auto-detected debt bill, or check to include a non-debt bill.
+                      Uncheck to exempt an auto-detected snowball bill, or check to include this bill manually.
                     </p>
                   </div>
 

client/lib/version.js

@@ -28,6 +28,11 @@ export const RELEASE_NOTES = {
       title: 'Privacy and release notes',
       desc: 'A public Privacy page is available from About, release notes can render images, and this update card now resets from the backend whenever the app version changes.',
     },
+    {
+      icon: '❄️',
+      title: 'Ramsey Snowball mode',
+      desc: 'Debt Snowball now defaults to smallest-balance-first, keeps custom drag ordering behind a toggle, skips mortgages by default, and adds an inline Ramsey readiness checklist.',
+    },
     {
       icon: '🎛️',
       title: 'Cleaner tracker and interface polish',

client/pages/SnowballPage.jsx

@@ -1,10 +1,11 @@
 import { useCallback, useEffect, useMemo, useRef, useState } from 'react';
-import { GripVertical, TrendingDown, Zap, Save, CalendarCheck, AlertTriangle, PenLine, EyeOff } from 'lucide-react';
+import { GripVertical, TrendingDown, Zap, Save, CalendarCheck, AlertTriangle, PenLine, EyeOff, CheckCircle2, Circle } 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 { Switch } from '@/components/ui/switch';
 import { Skeleton } from '@/components/ui/Skeleton';
 import { cn } from '@/lib/utils';
 import BillModal from '@/components/BillModal';
@@ -30,6 +31,19 @@ function ordinal(n) {
     case 1: return `${d}st`; case 2: return `${d}nd`; case 3: return `${d}rd`; default: return `${d}th`;
   }
 }
+function sortRamseyDebts(debts) {
+  return [...debts].sort((a, b) => {
+    if (a.current_balance == null && b.current_balance == null) return a.name.localeCompare(b.name);
+    if (a.current_balance == null) return 1;
+    if (b.current_balance == null) return -1;
+    const diff = Number(a.current_balance) - Number(b.current_balance);
+    return diff || a.name.localeCompare(b.name);
+  });
+}
+function isRamseyOrdered(debts) {
+  const sorted = sortRamseyDebts(debts);
+  return debts.every((debt, index) => debt.id === sorted[index]?.id);
+}
 
 // ── Client-side snowball simulation (mirrors server snowballService) ───────────
 // Returns the full projection shape so the panel and attack card both update
@@ -243,6 +257,71 @@ function ProjectionPanel({ projection, projectionLoading, billCount }) {
   );
 }
 
+// ── Readiness strip ───────────────────────────────────────────────────────────
+function ReadinessStrip({ items, readyCount, totalCount, allReady, onToggle, disabled }) {
+  return (
+    <div className={cn(
+      'surface-elevated rounded-xl px-4 py-3 flex flex-col gap-3 lg:flex-row lg:items-center lg:justify-between',
+      allReady && 'border border-emerald-500/30',
+    )}>
+      <div className="flex items-center gap-3 shrink-0">
+        <div className={cn(
+          'flex h-9 w-9 items-center justify-center rounded-lg border',
+          allReady ? 'border-emerald-500/30 bg-emerald-500/10 text-emerald-400' : 'border-border/60 bg-muted/30 text-muted-foreground',
+        )}>
+          {allReady ? <CheckCircle2 className="h-4 w-4" /> : <Circle className="h-4 w-4" />}
+        </div>
+        <div>
+          <p className="text-sm font-semibold">Snowball Readiness</p>
+          <p className={cn('text-xs', allReady ? 'text-emerald-400' : 'text-muted-foreground')}>
+            {allReady ? 'Ready to roll: attack the smallest balance first.' : `${readyCount} of ${totalCount} ready`}
+          </p>
+        </div>
+      </div>
+      <div className="flex flex-wrap gap-2">
+        {items.map(item => {
+          const Icon = item.ready ? CheckCircle2 : Circle;
+          const content = (
+            <>
+              <Icon className="h-3.5 w-3.5 shrink-0" />
+              <span className="truncate">{item.label}</span>
+            </>
+          );
+          const className = cn(
+            'inline-flex h-8 max-w-full items-center gap-1.5 rounded-full border px-3 text-xs font-medium transition-colors',
+            item.ready
+              ? 'border-emerald-500/25 bg-emerald-500/10 text-emerald-400'
+              : 'border-border/60 bg-muted/30 text-muted-foreground',
+            item.manual && !disabled && 'hover:bg-muted/60 cursor-pointer',
+            item.manual && disabled && 'opacity-60 cursor-not-allowed',
+          );
+
+          if (item.manual) {
+            return (
+              <button
+                key={item.id}
+                type="button"
+                className={className}
+                onClick={() => onToggle(item.id, !item.ready)}
+                disabled={disabled}
+                title={item.hint}
+              >
+                {content}
+              </button>
+            );
+          }
+
+          return (
+            <span key={item.id} className={className} title={item.hint}>
+              {content}
+            </span>
+          );
+        })}
+      </div>
+    </div>
+  );
+}
+
 // ── Pointer-based drag-and-drop hook (works on touch + mouse) ─────────────────
 function useSortable(items, setItems, setDirty) {
   const [draggingIdx,     setDraggingIdx]     = useState(null);
@@ -350,6 +429,9 @@ export default function SnowballPage() {
   const [editBill,   setEditBill]   = useState(null);
 
   const [extraPayment,   setExtraPayment]   = useState('');
+  const [ramseyMode,     setRamseyMode]     = useState(true);
+  const [readyCurrentOnBills, setReadyCurrentOnBills] = useState(false);
+  const [readyEmergencyFund,  setReadyEmergencyFund]  = useState(false);
   const [savingSettings, setSavingSettings] = useState(false);
   const extraPaymentRef = useRef('');
 
@@ -379,6 +461,9 @@ export default function SnowballPage() {
       setBills(billsArr);
       setDirty(false);
       const ep = settings.extra_payment > 0 ? String(settings.extra_payment) : '';
+      setRamseyMode(settings.ramsey_mode !== false);
+      setReadyCurrentOnBills(!!settings.ready_current_on_bills);
+      setReadyEmergencyFund(!!settings.ready_emergency_fund);
       setExtraPayment(ep);
       extraPaymentRef.current = ep;
     } catch (err) {
@@ -390,12 +475,7 @@ export default function SnowballPage() {
 
   // ── auto-arrange ──────────────────────────────────────────────────────────
   const handleAutoArrange = () => {
-    setBills(prev => [...prev].sort((a, b) => {
+    setBills(prev => sortRamseyDebts(prev));
-      if (a.current_balance == null && b.current_balance == null) return 0;
-      if (a.current_balance == null) return 1;
-      if (b.current_balance == null) return -1;
-      return a.current_balance - b.current_balance;
-    }));
     setDirty(true);
     toast.success('Arranged smallest-to-largest balance');
   };
@@ -431,6 +511,47 @@ export default function SnowballPage() {
     finally { setSavingSettings(false); }
   };
 
+  const handleRamseyModeChange = async (checked) => {
+    setSavingSettings(true);
+    try {
+      const result = await api.saveSnowballSettings({ ramsey_mode: checked });
+      const nextMode = result.ramsey_mode !== false;
+      setRamseyMode(nextMode);
+      setDirty(false);
+      if (nextMode) setBills(prev => sortRamseyDebts(prev));
+      else load();
+      loadProjection();
+      toast.success(nextMode ? 'Ramsey Mode enabled' : 'Custom order enabled');
+    } catch (err) {
+      toast.error(err.message || 'Failed to save Snowball mode');
+    } finally {
+      setSavingSettings(false);
+    }
+  };
+
+  const handleReadinessToggle = async (id, checked) => {
+    const payload = id === 'current_on_bills'
+      ? { ready_current_on_bills: checked }
+      : { ready_emergency_fund: checked };
+    const previous = id === 'current_on_bills' ? readyCurrentOnBills : readyEmergencyFund;
+
+    if (id === 'current_on_bills') setReadyCurrentOnBills(checked);
+    else setReadyEmergencyFund(checked);
+
+    setSavingSettings(true);
+    try {
+      const result = await api.saveSnowballSettings(payload);
+      setReadyCurrentOnBills(!!result.ready_current_on_bills);
+      setReadyEmergencyFund(!!result.ready_emergency_fund);
+    } catch (err) {
+      if (id === 'current_on_bills') setReadyCurrentOnBills(previous);
+      else setReadyEmergencyFund(previous);
+      toast.error(err.message || 'Failed to save readiness');
+    } finally {
+      setSavingSettings(false);
+    }
+  };
+
   // ── inline balance edit ───────────────────────────────────────────────────
   const startEditBalance = (bill) =>
     setEditingBalance({ billId: bill.id, value: bill.current_balance != null ? String(bill.current_balance) : '' });
@@ -443,7 +564,10 @@ export default function SnowballPage() {
     if (num === current?.current_balance) { setEditingBalance({ billId: null, value: '' }); return; }
     try {
       await api.updateBillBalance(billId, num);
-      setBills(prev => prev.map(b => b.id === billId ? { ...b, current_balance: num } : b));
+      setBills(prev => {
+        const next = prev.map(b => b.id === billId ? { ...b, current_balance: num } : b);
+        return ramseyMode ? sortRamseyDebts(next) : next;
+      });
       setEditingBalance({ billId: null, value: '' });
       loadProjection();
     } catch (err) { toast.error(err.message || 'Failed to update balance'); }
@@ -481,7 +605,50 @@ export default function SnowballPage() {
   const totalBalance    = bills.reduce((s, b) => s + (b.current_balance || 0), 0);
   const totalMinPayment = bills.reduce((s, b) => s + (b.minimum_payment || 0), 0);
   const unknownCount    = bills.filter(b => b.current_balance == null).length;
+  const missingMinCount = bills.filter(b => b.current_balance > 0 && b.minimum_payment == null).length;
   const extraAmt        = parseFloat(extraPayment) || 0;
+  const attackBill      = bills[0] ?? null;
+  const attackAmount    = attackBill ? (attackBill.minimum_payment || 0) + extraAmt : 0;
+  const customOrderDrift = !ramseyMode && bills.length > 1 && !isRamseyOrdered(bills);
+  const mortgageIncluded = bills.some(b => /mortgage|housing/i.test(b.category_name || b.name || ''));
+  const readinessItems = [
+    {
+      id: 'current_on_bills',
+      label: 'Current on bills',
+      ready: readyCurrentOnBills,
+      manual: true,
+      hint: 'Confirm all bills are current before starting the snowball.',
+    },
+    {
+      id: 'emergency_fund',
+      label: '$1,000 emergency fund',
+      ready: readyEmergencyFund,
+      manual: true,
+      hint: 'Confirm the starter emergency fund is set aside.',
+    },
+    {
+      id: 'debts_entered',
+      label: 'Debts entered',
+      ready: bills.length > 0 && !mortgageIncluded,
+      hint: mortgageIncluded
+        ? 'Mortgage or housing debt is included; Ramsey Baby Step 2 excludes the house.'
+        : 'Enter consumer debts and leave the mortgage out of this snowball.',
+    },
+    {
+      id: 'minimums_entered',
+      label: 'Minimums entered',
+      ready: bills.length > 0 && missingMinCount === 0,
+      hint: 'Every debt with a balance needs a minimum payment.',
+    },
+    {
+      id: 'extra_set',
+      label: 'Extra amount set',
+      ready: extraAmt > 0,
+      hint: 'Set the extra monthly budget you can throw at the current target.',
+    },
+  ];
+  const readinessReadyCount = readinessItems.filter(item => item.ready).length;
+  const readinessAllReady = readinessReadyCount === readinessItems.length;
 
   // ── loading skeleton ──────────────────────────────────────────────────────
   if (loading) {
@@ -522,14 +689,29 @@ export default function SnowballPage() {
             sub={unknownCount > 0 ? `+ ${unknownCount} unknown` : undefined} />
           <StatCard label="Monthly Minimums" value={fmt(totalMinPayment)} />
           <StatCard label="Extra / Month" value={extraAmt > 0 ? fmt(extraAmt) : '—'} sub="snowball accelerator" />
-          <StatCard label="Total Attack" value={fmt(totalMinPayment + extraAmt)}
+          <StatCard label="Next Win" value={liveAttackPayoff || 'Add details'}
-            sub="toward #1 target" highlight={extraAmt > 0} />
+            sub={attackBill ? `${attackBill.name} · attacking ${fmt(attackAmount)}/mo` : undefined}
+            highlight={!!liveAttackPayoff} />
         </div>
       )}
 
       {/* Toolbar */}
       {bills.length > 0 && (
         <div className="flex flex-wrap items-end gap-3">
+          <div className="surface-elevated rounded-xl px-4 py-3 flex items-center gap-3 min-h-[58px]">
+            <Switch
+              id="ramsey-mode"
+              checked={ramseyMode}
+              onCheckedChange={handleRamseyModeChange}
+              disabled={savingSettings}
+            />
+            <div>
+              <Label htmlFor="ramsey-mode" className="text-xs font-semibold cursor-pointer">Ramsey Mode</Label>
+              <p className="text-[10px] text-muted-foreground">
+                {ramseyMode ? 'Smallest balance first' : 'Custom drag order'}
+              </p>
+            </div>
+          </div>
           <div className="space-y-1">
             <Label className="text-[10px] uppercase tracking-wider text-muted-foreground">
               Extra monthly budget ($)
@@ -544,10 +726,17 @@ export default function SnowballPage() {
             />
           </div>
           <div className="flex items-center gap-2 pb-0.5">
-            <Button type="button" variant="outline" size="sm" onClick={handleAutoArrange} className="gap-2">
+            <Button
-              <Zap className="h-3.5 w-3.5" /> Auto-arrange
+              type="button"
+              variant="outline"
+              size="sm"
+              onClick={handleAutoArrange}
+              className="gap-2"
+              disabled={ramseyMode}
+            >
+              <Zap className="h-3.5 w-3.5" /> Restore Ramsey Order
             </Button>
-            <Button type="button" size="sm" disabled={!dirty || saving} onClick={handleSaveOrder} className="gap-2">
+            <Button type="button" size="sm" disabled={ramseyMode || !dirty || saving} onClick={handleSaveOrder} className="gap-2">
               <Save className="h-3.5 w-3.5" /> {saving ? 'Saving…' : 'Save Order'}
             </Button>
             {dirty && <span className="text-xs text-amber-400">Unsaved changes</span>}
@@ -555,13 +744,41 @@ export default function SnowballPage() {
         </div>
       )}
 
+      {bills.length > 0 && (
+        <ReadinessStrip
+          items={readinessItems}
+          readyCount={readinessReadyCount}
+          totalCount={readinessItems.length}
+          allReady={readinessAllReady}
+          onToggle={handleReadinessToggle}
+          disabled={savingSettings}
+        />
+      )}
+
+      {bills.length > 0 && (customOrderDrift || missingMinCount > 0) && (
+        <div className="surface-elevated rounded-xl border border-amber-500/25 bg-amber-500/10 px-4 py-3 space-y-2">
+          {customOrderDrift && (
+            <div className="flex items-start gap-2 text-xs text-amber-300">
+              <AlertTriangle className="h-3.5 w-3.5 mt-0.5 shrink-0" />
+              Custom order is active, so the payoff list no longer strictly follows smallest-balance-first.
+            </div>
+          )}
+          {missingMinCount > 0 && (
+            <div className="flex items-start gap-2 text-xs text-amber-300">
+              <AlertTriangle className="h-3.5 w-3.5 mt-0.5 shrink-0" />
+              {missingMinCount} debt{missingMinCount > 1 ? 's need' : ' needs'} a minimum payment before the projection can model the snowball cleanly.
+            </div>
+          )}
+        </div>
+      )}
+
       {/* Empty state */}
       {bills.length === 0 && (
         <div className="flex flex-col items-center justify-center rounded-xl border border-dashed border-border/60 py-20 text-center gap-3">
           <TrendingDown className="h-10 w-10 text-muted-foreground/30" />
           <p className="text-sm font-medium text-muted-foreground">No debt bills found</p>
           <p className="text-xs text-muted-foreground/70 max-w-sm">
-            Bills in Credit Cards, Loans, or Mortgage categories appear here automatically.
+            Bills in Credit Cards, Loans, or Debt categories appear here automatically.
             You can also enable "Include in Snowball" when editing any bill.
           </p>
         </div>
@@ -611,9 +828,14 @@ export default function SnowballPage() {
                     {/* Grip */}
                     <div
                       data-grip
-                      onPointerDown={e => onPointerDown(e, index)}
+                      onPointerDown={e => { if (!ramseyMode) onPointerDown(e, index); }}
-                      className="flex items-center px-3 text-muted-foreground/20 hover:text-muted-foreground/60 cursor-grab active:cursor-grabbing transition-colors touch-none shrink-0"
+                      className={cn(
-                      aria-label="Drag to reorder"
+                        'flex items-center px-3 transition-colors touch-none shrink-0',
+                        ramseyMode
+                          ? 'text-muted-foreground/10 cursor-not-allowed'
+                          : 'text-muted-foreground/20 hover:text-muted-foreground/60 cursor-grab active:cursor-grabbing',
+                      )}
+                      aria-label={ramseyMode ? 'Ramsey Mode controls order' : 'Drag to reorder'}
                     >
                       <GripVertical className="h-5 w-5" />
                     </div>
@@ -682,6 +904,13 @@ export default function SnowballPage() {
                           </div>
                         )}
 
+                        {bill.current_balance > 0 && bill.minimum_payment == null && (
+                          <div className="inline-flex items-center gap-1 text-xs text-amber-400">
+                            <AlertTriangle className="h-3 w-3" />
+                            Needs minimum payment
+                          </div>
+                        )}
+
                         {isAttack && extraAmt > 0 && (
                           <div>
                             <span className="text-xs text-muted-foreground">Throwing </span>
@@ -753,7 +982,9 @@ export default function SnowballPage() {
             })}
 
             <p className="text-xs text-muted-foreground/50 text-center pt-1">
-              Drag the grip handle to reorder · Click a balance to update it · Save Order to persist
+              {ramseyMode
+                ? 'Ramsey Mode keeps debts sorted by smallest balance · Click a balance to update it'
+                : 'Drag the grip handle to reorder · Click a balance to update it · Save Order to persist'}
             </p>
           </div>
 

routes/snowball.js

@@ -12,43 +12,91 @@ const DEBT_LIKE_CLAUSES = `(
     AND (
       LOWER(c.name) LIKE '%credit%'
       OR LOWER(c.name) LIKE '%loan%'
-      OR LOWER(c.name) LIKE '%mortgage%'
-      OR LOWER(c.name) LIKE '%housing%'
       OR LOWER(c.name) LIKE '%debt%'
     )
   )
 )`;
 
-const DEBT_QUERY = `
+function isRamseyMode(userId) {
+  const db = getDb();
+  const row = db.prepare(`
+    SELECT value
+    FROM user_settings
+    WHERE user_id = ? AND key = 'snowball_ramsey_mode'
+  `).get(userId);
+  return row ? row.value !== 'false' && row.value !== '0' : true;
+}
+
+function getUserBoolSetting(userId, key, fallback = false) {
+  const db = getDb();
+  const row = db.prepare(`
+    SELECT value
+    FROM user_settings
+    WHERE user_id = ? AND key = ?
+  `).get(userId, key);
+  if (!row) return fallback;
+  return row.value === 'true' || row.value === '1';
+}
+
+function upsertUserSetting(db, userId, key, value) {
+  db.prepare(`
+    INSERT INTO user_settings (user_id, key, value, updated_at)
+    VALUES (?, ?, ?, datetime('now'))
+    ON CONFLICT(user_id, key) DO UPDATE SET
+      value = excluded.value,
+      updated_at = datetime('now')
+  `).run(userId, key, String(value));
+}
+
+function getDebtQuery(ramseyMode) {
+  const orderBy = ramseyMode
+    ? `
+    CASE WHEN b.current_balance IS NULL THEN 1 ELSE 0 END ASC,
+    b.current_balance ASC,
+    LOWER(b.name) ASC,
+    b.id ASC`
+    : `
+    CASE WHEN b.snowball_order IS NULL THEN 1 ELSE 0 END ASC,
+    b.snowball_order ASC,
+    CASE WHEN b.current_balance IS NULL THEN 1 ELSE 0 END ASC,
+    b.current_balance ASC`;
+
+  return `
   SELECT b.*, c.name AS category_name
   FROM bills b
   LEFT JOIN categories c ON b.category_id = c.id AND c.user_id = b.user_id
   WHERE b.user_id = ?
     AND b.active = 1
     AND ${DEBT_LIKE_CLAUSES}
-  ORDER BY
+  ORDER BY${orderBy}
-    CASE WHEN b.snowball_order IS NULL THEN 1 ELSE 0 END ASC,
+  `;
-    b.snowball_order ASC,
+}
-    CASE WHEN b.current_balance IS NULL THEN 1 ELSE 0 END ASC,
+
-    b.current_balance ASC
+function getDebtBills(userId) {
-`;
+  const db = getDb();
+  return db.prepare(getDebtQuery(isRamseyMode(userId))).all(userId);
+}
 
 // GET /api/snowball — server-filtered debt bills, pre-sorted by snowball_order
 router.get('/', (req, res) => {
-  const db = getDb();
+  res.json(getDebtBills(req.user.id));
-  res.json(db.prepare(DEBT_QUERY).all(req.user.id));
 });
 
 // GET /api/snowball/settings — extra monthly payment for this user
 router.get('/settings', (req, res) => {
   const db = getDb();
   const user = db.prepare('SELECT snowball_extra_payment FROM users WHERE id = ?').get(req.user.id);
-  res.json({ extra_payment: user?.snowball_extra_payment ?? 0 });
+  res.json({
+    extra_payment: user?.snowball_extra_payment ?? 0,
+    ramsey_mode: isRamseyMode(req.user.id),
+    ready_current_on_bills: getUserBoolSetting(req.user.id, 'snowball_ready_current_on_bills'),
+    ready_emergency_fund: getUserBoolSetting(req.user.id, 'snowball_ready_emergency_fund'),
+  });
 });
 
 // PATCH /api/snowball/settings — save extra monthly payment
 router.patch('/settings', (req, res) => {
-  const { extra_payment } = req.body;
+  const { extra_payment, ramsey_mode, ready_current_on_bills, ready_emergency_fund } = req.body;
   let val = 0;
 
   if (extra_payment !== undefined && extra_payment !== null && extra_payment !== '') {
@@ -63,8 +111,32 @@ router.patch('/settings', (req, res) => {
   }
 
   const db = getDb();
+  const save = db.transaction(() => {
+    if (extra_payment !== undefined) {
       db.prepare('UPDATE users SET snowball_extra_payment = ? WHERE id = ?').run(val, req.user.id);
-  res.json({ extra_payment: val });
+    }
+
+    if (ramsey_mode !== undefined) {
+      upsertUserSetting(db, req.user.id, 'snowball_ramsey_mode', ramsey_mode ? 'true' : 'false');
+    }
+
+    if (ready_current_on_bills !== undefined) {
+      upsertUserSetting(db, req.user.id, 'snowball_ready_current_on_bills', ready_current_on_bills ? 'true' : 'false');
+    }
+
+    if (ready_emergency_fund !== undefined) {
+      upsertUserSetting(db, req.user.id, 'snowball_ready_emergency_fund', ready_emergency_fund ? 'true' : 'false');
+    }
+  });
+  save();
+
+  const user = db.prepare('SELECT snowball_extra_payment FROM users WHERE id = ?').get(req.user.id);
+  res.json({
+    extra_payment: user?.snowball_extra_payment ?? 0,
+    ramsey_mode: isRamseyMode(req.user.id),
+    ready_current_on_bills: getUserBoolSetting(req.user.id, 'snowball_ready_current_on_bills'),
+    ready_emergency_fund: getUserBoolSetting(req.user.id, 'snowball_ready_emergency_fund'),
+  });
 });
 
 // GET /api/snowball/projection — snowball, avalanche, minimum-only projections
@@ -72,7 +144,7 @@ router.patch('/settings', (req, res) => {
 router.get('/projection', (req, res) => {
   const db = getDb();
 
-  const bills = db.prepare(DEBT_QUERY).all(req.user.id);
+  const bills = getDebtBills(req.user.id);
   const user  = db.prepare('SELECT snowball_extra_payment FROM users WHERE id = ?').get(req.user.id);
   const extra = user?.snowball_extra_payment ?? 0;