.gitignore

@@ -2,6 +2,7 @@
 DEVELOPMENT_LOG.md
 PROJECT.md
 STRUCTURE.md
+FUTURE.md
 BUILD_SUMMARY.md
 SCRIPTS.md
 project-requirements.md

FUTURE.md

@@ -1,208 +0,0 @@
-# Bill Tracker — Future Improvements
-
-**This document tracks potential future enhancements for Bill Tracker.**
-
-**Last Updated:** 2026-05-30  
-**Current Version:** v0.34.2
-
-## How to Use This Document
-
-This file is a living document. Agents should:
-1. Read this file before proposing changes
-2. Add new recommendations with priority levels
-3. Never add completed items — move those to HISTORY.md instead
-4. Reference this file when dispatching improvement tasks
-5. Only Ripley can remove items from this list. Notify Ripley if something needs to be removed.
-
-### Priority Format
-
-All items must include the priority emoji in their heading, matching the section they belong to:
-
-| Priority | Emoji | Heading Format |
-|----------|-------|---------------|
-| CRITICAL | 🔴 | `### 🔴 Title — CRITICAL` |
-| HIGH | 🟠 | `### 🟠 Title — HIGH` |
-| MEDIUM | 🟡 | `### 🟡 Title — MEDIUM` |
-| LOW | 🔵 | `### 🔵 Title — LOW` |
-| NICE TO HAVE | 💭 | `### 💭 Title — NICE TO HAVE` |
-
-Items are grouped under their priority section heading (`## 🔴 CRITICAL`, `## 🟠 HIGH`, etc.) and sorted most-impactful-first within each tier.
-
-
-## Pending Recommendations
-
-## 🟡 MEDIUM
-
-### 🟡 Projected Cash Flow — MEDIUM
-**Priority:** MEDIUM  
-**Added:** 2026-05-16 by Ripley (from _null's prioritized roadmap)
-
-**Description:**
-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.
-
-**Scope:**
-- "Remaining after bills" projection per bucket (1st half / 15th half)
-- "Upcoming bills before next paycheck" list
-- "Safe-to-spend" estimate based on starting balance minus unpaid bills
-- Scheduled income support (payday amounts)
-
-**Rationale:**
-- The 1st/15th bucket model is already built — cash flow projection is the natural next step
-- Most valuable feature for day-to-day money management
-- Turns a bill tracker into a financial planning tool
-
-**Implementation Notes:**
-- Requires user to enter starting balance and payday amounts (new settings fields)
-- Calculate: starting amount - unpaid bills due before next payday = safe-to-spend
-- Files to modify: `TrackerPage.jsx`, `routes/tracker.js`, `user_settings` table (new fields)
-- Estimated effort: 8-10 hours
-
----
-
-
-
-
-
-### 🟡 Recurring Payment Rules — MEDIUM
-**Priority:** MEDIUM  
-**Added:** 2026-05-16 by Ripley (from _null's prioritized roadmap)
-
-**Status:** Partial — infrastructure built (auto_mark_paid column, confirm/dismiss APIs, UI for suggestions), but no proactive suggestion scheduler generating payments on due date.
-
-**Description:**
-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.
-
-**Scope:**
-- Bills with autopay/autodraft get a "suggested payment" on their due date
-- User confirms or dismisses the suggestion
-- Auto-mark option: bills can be set to automatically mark as paid on due date
-
-**Implementation Notes:**
-- ✅ `auto_mark_paid` column + bill edit checkbox
-- ✅ `applyAutopaySuggestions()` in trackerService handles auto-mark + suggestion generation
-- ✅ Confirm (`POST /api/payments/autopay-suggestions/:billId/confirm`) and dismiss (`POST /.../dismiss`) endpoints
-- ✅ Suggestion UI in TrackerPage with badge + confirm/dismiss buttons
-- ❌ No proactive suggestion engine — only runs when tracker loads
-- ❌ No scheduled task/cron to evaluate bills and create suggestions on due date
-- Estimated effort remaining: 2-3 hours
-
----
-
-### 🟡 Calendar Agenda Mode — MEDIUM
-**Priority:** MEDIUM  
-**Added:** 2026-05-16 by Ripley (from _null's prioritized roadmap)
-
-**Description:**
-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.
-
-**Rationale:**
-- Month grids are pretty but not actionable
-- Agenda mode answers "what do I need to do right now?"
-- Groups by status makes it immediately clear what needs attention
-
-**Implementation Notes:**
-- New view toggle on CalendarPage: Grid vs Agenda
-- Agenda shows: Overdue → Today → This Week → Next 14 Days
-- Each group sorted by due date, with action status badges
-- Files to modify: `CalendarPage.jsx`, `routes/calendar.js`
-- Estimated effort: 6-8 hours
-
----
-
-### 🟡 Filtered Exports — MEDIUM
-**Priority:** MEDIUM (upgraded from LOW)  
-**Added:** 2026-05-11 by Ripley (from _null's prioritized roadmap)
-
-**Description:**
-Export only utilities, debts, overdue, date range, tax-relevant categories. Currently exports everything with no filtering.
-
-**Rationale:**
-- Users need "all Q1 utility bills" or "overdue payments this year" for reconciliation and tax prep
-- `/api/export/user-excel` exports everything — no query params for date range, category, or status
-
-**Implementation Notes:**
-- Add query params to export endpoints: `category_id`, `start`, `end`, `status` (paid/unpaid/overdue)
-- Files to modify: `routes/export.js`, `client/pages/DataPage.jsx`
-- Estimated effort: 6 hours
-
----
-
-
-## 🔵 LOW
-
-
-
-### 🔵 Payment Method Tracking and Summary — LOW
-**Priority:** LOW  
-**Added:** 2026-05-11 by Ripley
-
-**Description:**
-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."
-
-**Implementation Notes:**
-- Standardize payment methods: enum or controlled list (autopay, bank_transfer, credit_card, check, cash, other)
-- Add payment method breakdown to analytics or summary page
-- Files to modify: `routes/payments.js`, `AnalyticsPage.jsx`, schema migration
-- Estimated effort: 4-6 hours
-
----
-
-### 🔵 No Keyboard Navigation or Shortcuts — LOW
-**Added:** 2026-05-11 by Ripley
-
-**Status:** Partial — Esc closes modals ✅, Cmd+K opens command palette ✅, arrow key tracker navigation ❌
-
-**Description:**
-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.
-
-**Implementation Notes:**
-- ✅ `Esc` closes any open modal/dialog (via Radix Dialog default)
-- ✅ `Cmd+K` / `Ctrl+K` opens command palette (`CommandPalette.jsx`)
-- ❌ Arrow keys navigate tracker rows when grid is focused
-- Remaining effort: 1-2 hours
-
----
-
-### 🔵 Add comprehensive unit and integration tests
-**Added:** 2026-05-08 by Scarlett
-
-**Description:**
-Currently no unit tests exist for components or hooks. The only testing is functional tests in `test-functional.js`.
-
-**Implementation Notes:**
-- Set up Jest + React Testing Library (or vitest)
-- Test key components: BillModal, TrackerPage row, BillsTableInner
-- Test hooks: useAuth, custom form hooks
-- Test utility functions in `client/lib/utils.js`
-- Estimated effort: 8-12 hours for baseline coverage
-
----
-
-### 🔵 Missing Bill Grouping and Reorganization API
-**Added:** 2026-05-08 by Neo
-
-**Description:**
-No way to reorder bills, drag-and-drop, or group by custom criteria.
-
-**Implementation Notes:**
-- `sort_order` column to bills table (default NULL, ordered first by sort_order then due_day)
-- `PUT /api/bills/reorder` endpoint accepting `{bill_id: new_index}`
-- `PUT /api/bills/:id/archived` to soft-archive
-- Estimated effort: 6 hours
-
----
-
-## 💭 NICE TO HAVE
-
-### 💭 Add consistent form state management pattern
-**Priority:** MEH  
-**Added:** 2026-05-08 by Scarlett
-
-**Description:**
-Form state management is inconsistent across components. Some use `useState` for each field, others use form libraries.
-
-**Implementation Notes:**
-- Consider react-hook-form for complex forms
-- Create reusable form field components (InputField, SelectField, etc.)
-- Standardize validation approach
-- Estimated effort: 4-6 hours

HISTORY.md

@@ -1,38 +1,5 @@
 # Bill Tracker — Changelog
 
-## v0.34.2
-
-### 🧹 Roadmap Audit
-
-- **Audited all FUTURE.md items** against current codebase:
-  - Removed: Architecture: Business Logic Extraction (IS_IMPLEMENTED)
-  - Removed: Debt Snowball Readiness Checklist (IS_IMPLEMENTED)
-  - Updated status: Keyboard Navigation/Shortcuts → partial (Esc + Cmd+K done, arrow-key grid not)
-  - 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
-
-### 🔧 Changed
-
-- **Bump** — `0.34.1` → `0.34.2`
-
----
-
-## v0.34.1
-
-### 🚀 Features
-
-- **Price Change Insights panel** — Tracker page now shows a collapsible amber panel when recurring bills have been paid at a different amount than expected for 2+ consecutive months. Per-bill "Update to $X.XX" action (with undo toast) and "Dismiss" (hidden for 30 days). TrendingUp/TrendingDown icons and teal palette for decreases.
-- **Drift detection service** — `driftService.getDriftReport()` computes a rolling median of the last 3 months of payments per bill and compares it against `expected_amount`. Flags when `|delta| ≥ $1 AND |drift%| ≥ threshold`.
-- **Price-change email digest** — Daily worker now calls `runDriftNotifications()`, sending a single amber-styled digest email per user listing all bills with changed amounts (old → new, Δ%).
-- **Drift snooze persistence** — `drift_snoozed_until` column on `bills` (migration v0.71). `POST /api/bills/:id/snooze-drift` sets a 30-day snooze server-side.
-- **"Notify on price changes" toggle** — New notification preference in ProfilePage, backed by `notify_amount_change` column on `users` (migration v0.71).
-- **Price change sensitivity setting** — "Price change sensitivity" `%` input in SettingsPage Billing Behavior section. Stored as `drift_threshold_pct` in per-user settings (default 5%, range 1–25%).
-
-### 🔧 Changed
-
-- **Bump** — `0.34.0` → `0.34.1`
-
----
-
 ## v0.34.0
 
 ### 🚀 Features

client/App.jsx

@@ -43,7 +43,6 @@ const DataPage = lazy(() => import('@/pages/DataPage'));
 const ProfilePage = lazy(() => import('@/pages/ProfilePage'));
 const SnowballPage = lazy(() => import('@/pages/SnowballPage'));
 const HealthPage = lazy(() => import('@/pages/HealthPage'));
-const PayoffPage = lazy(() => import('@/pages/PayoffPage'));
 
 function RequireAuth({ children, role }) {
   const { user, singleUserMode } = useAuth();
@@ -210,7 +209,6 @@ export default function App() {
             <Route path="analytics" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><AnalyticsPage /></Suspense></ErrorBoundary>} />
             <Route path="settings" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><SettingsPage /></Suspense></ErrorBoundary>} />
             <Route path="snowball" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><SnowballPage /></Suspense></ErrorBoundary>} />
-            <Route path="payoff" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><PayoffPage /></Suspense></ErrorBoundary>} />
             <Route path="data" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><DataPage /></Suspense></ErrorBoundary>} />
             <Route path="profile" element={<ErrorBoundary><Suspense fallback={<PageLoader />}><ProfilePage /></Suspense></ErrorBoundary>} />
             <Route path="*" element={<Navigate to="/" replace />} />

client/api.js

@@ -178,8 +178,6 @@ export const api = {
   createBillHistoryRange: (id, data) => post(`/bills/${id}/history-ranges`, data),
   updateBillHistoryRange: (id, rangeId, data) => put(`/bills/${id}/history-ranges/${rangeId}`, data),
   deleteBillHistoryRange: (id, rangeId) => del(`/bills/${id}/history-ranges/${rangeId}`),
-  driftReport:        ()          => get('/bills/drift-report'),
-  snoozeBillDrift:    (id)        => post(`/bills/${id}/snooze-drift`, {}),
   billTemplates:      ()          => get('/bills/templates'),
   saveBillTemplate:   (data)      => post('/bills/templates', data),
   deleteBillTemplate: (id)        => del(`/bills/templates/${id}`),

client/components/layout/Sidebar.jsx

@@ -1,7 +1,7 @@
 import { useState, useMemo } from 'react';
 import { NavLink, useLocation, useNavigate } from 'react-router-dom';
 import {
-  Activity, BarChart3, Calculator, CalendarDays, ChevronDown, ClipboardCheck, ClipboardList, Database, Info, LayoutGrid, LogOut, Map, Menu, Receipt,
+  Activity, BarChart3, CalendarDays, ChevronDown, ClipboardCheck, ClipboardList, Database, Info, LayoutGrid, LogOut, Map, Menu, Receipt,
   Search, Settings, ShieldCheck, Tag, TrendingDown, User, X,
   Repeat,
 } from 'lucide-react';
@@ -41,7 +41,6 @@ const trackerItems = [
   { to: '/categories', icon: Tag, label: 'Categories' },
   { to: '/health', icon: ClipboardCheck, label: 'Health' },
   { to: '/snowball', icon: TrendingDown, label: 'Snowball' },
-  { to: '/payoff',   icon: Calculator,  label: 'Payoff' },
 ];
 
 function TrackerMenu({ onNavigate, badge }) {

client/components/snowball/PayoffChart.jsx

@@ -1,146 +0,0 @@
-import React from 'react';
-
-const W = 720;
-const H = 300;
-const PAD = { left: 68, right: 24, top: 20, bottom: 56 };
-const CW = W - PAD.left - PAD.right;
-const CH = H - PAD.top - PAD.bottom;
-
-function money(v) {
-  const n = Number(v) || 0;
-  if (n >= 1000) return `$${(n / 1000).toFixed(0)}k`;
-  return `$${n.toFixed(0)}`;
-}
-
-function fullMoney(v) {
-  return (Number(v) || 0).toLocaleString(undefined, {
-    style: 'currency', currency: 'USD', maximumFractionDigits: 2,
-  });
-}
-
-function buildPoints(track, startBalance, maxMonths) {
-  const all = [{ month: 0, balance: startBalance }, ...track];
-  return all.map(({ month, balance }) => ({
-    x: PAD.left + (month / maxMonths) * CW,
-    y: PAD.top + CH - (balance / startBalance) * CH,
-    month,
-    balance,
-  }));
-}
-
-function toLine(pts) {
-  return pts.map(p => `${p.x.toFixed(1)},${p.y.toFixed(1)}`).join(' ');
-}
-
-export default function PayoffChart({ minTrack = [], currentTrack = [], simTrack = [], startBalance = 1 }) {
-  const maxMonths = Math.max(minTrack.length, currentTrack.length, simTrack.length, 12);
-  const bal = Math.max(startBalance, 1);
-
-  const minPts     = buildPoints(minTrack,     bal, maxMonths);
-  const currentPts = buildPoints(currentTrack, bal, maxMonths);
-  const simPts     = buildPoints(simTrack,     bal, maxMonths);
-
-  const xStep = maxMonths <= 24 ? 6 : maxMonths <= 60 ? 12 : 24;
-  const xLabels = [];
-  for (let m = xStep; m <= maxMonths; m += xStep) {
-    xLabels.push(m);
-  }
-
-  const yTicks = [0, 0.25, 0.5, 0.75, 1];
-
-  const showCurrent = currentTrack.length > 0 &&
-    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>
-  );
-}

client/components/tracker/DriftInsightPanel.jsx

@@ -1,189 +0,0 @@
-import React, { useState } from 'react';
-import { TrendingUp, TrendingDown, ChevronDown } from 'lucide-react';
-import { toast } from 'sonner';
-import { api } from '@/api.js';
-import { cn, fmt } from '@/lib/utils';
-import { Button } from '@/components/ui/button';
-import { Badge } from '@/components/ui/badge';
-import { Collapsible, CollapsibleTrigger, CollapsibleContent } from '@/components/ui/collapsible';
-
-function DriftRow({ row, refresh }) {
-  const [loading, setLoading] = useState(false);
-
-  async function handleUpdate() {
-    setLoading(true);
-    const oldAmount = row.expected_amount;
-    try {
-      await api.updateBill(row.id, { expected_amount: row.recent_amount });
-      toast.success(`"${row.name}" updated to ${fmt(row.recent_amount)}`, {
-        action: {
-          label: 'Undo',
-          onClick: async () => {
-            try {
-              await api.updateBill(row.id, { expected_amount: oldAmount });
-              toast.success('Reverted');
-              refresh();
-            } catch {
-              toast.error('Failed to revert');
-            }
-          },
-        },
-      });
-      refresh();
-    } catch {
-      toast.error('Failed to update bill');
-    } finally {
-      setLoading(false);
-    }
-  }
-
-  async function handleDismiss() {
-    setLoading(true);
-    try {
-      await api.snoozeBillDrift(row.id);
-      toast.success('Hidden for 30 days');
-      refresh();
-    } catch {
-      toast.error('Failed to dismiss');
-    } finally {
-      setLoading(false);
-    }
-  }
-
-  const isUp = row.direction === 'up';
-  const sign = isUp ? '+' : '';
-
-  return (
-    <div className="flex flex-wrap items-center gap-x-3 gap-y-2 py-2.5 sm:flex-nowrap">
-      {/* Bill info */}
-      <div className="flex min-w-0 flex-1 flex-col gap-0.5">
-        <div className="flex flex-wrap items-center gap-1.5">
-          <span className="truncate text-sm font-medium text-foreground">{row.name}</span>
-          {row.category_name && (
-            <Badge variant="secondary" className="shrink-0 px-1.5 py-0 text-[10px]">
-              {row.category_name}
-            </Badge>
-          )}
-        </div>
-        <div className="flex items-center gap-1.5">
-          {isUp
-            ? <TrendingUp className="h-3 w-3 text-amber-500 dark:text-amber-400" />
-            : <TrendingDown className="h-3 w-3 text-teal-500 dark:text-teal-400" />
-          }
-          <span className={cn(
-            'text-xs font-medium',
-            isUp ? 'text-amber-600 dark:text-amber-400' : 'text-teal-600 dark:text-teal-400'
-          )}>
-            {sign}{row.drift_pct}% over {row.months_sampled} months
-          </span>
-        </div>
-      </div>
-
-      {/* Amount change */}
-      <div className="flex shrink-0 items-center gap-1.5">
-        <span className="font-mono text-xs text-muted-foreground line-through">
-          {fmt(row.expected_amount)}
-        </span>
-        <span className="text-muted-foreground">→</span>
-        <span className={cn(
-          'font-mono text-sm font-semibold',
-          isUp ? 'text-amber-500 dark:text-amber-400' : 'text-teal-500 dark:text-teal-400'
-        )}>
-          {fmt(row.recent_amount)}
-        </span>
-        <span className={cn(
-          'rounded-full px-1.5 py-0.5 text-[10px] font-bold leading-none',
-          isUp
-            ? 'bg-amber-500/15 text-amber-700 dark:text-amber-300'
-            : 'bg-teal-500/15 text-teal-700 dark:text-teal-300'
-        )}>
-          {sign}{row.drift_pct}%
-        </span>
-      </div>
-
-      {/* Actions */}
-      <div className="flex shrink-0 items-center gap-1">
-        <Button
-          size="sm"
-          variant="outline"
-          className={cn(
-            'h-7 gap-1.5 px-2.5 text-xs',
-            isUp
-              ? 'border-amber-400/40 text-amber-600 hover:border-amber-400/70 hover:bg-amber-500/[0.08] hover:text-amber-500 dark:text-amber-400'
-              : 'border-teal-400/40 text-teal-600 hover:border-teal-400/70 hover:bg-teal-500/[0.08] hover:text-teal-500 dark:text-teal-400'
-          )}
-          disabled={loading}
-          onClick={handleUpdate}
-        >
-          Update to {fmt(row.recent_amount)}
-        </Button>
-        <Button
-          size="sm"
-          variant="ghost"
-          className="h-7 px-2.5 text-xs text-muted-foreground hover:text-foreground"
-          disabled={loading}
-          onClick={handleDismiss}
-        >
-          Dismiss
-        </Button>
-      </div>
-    </div>
-  );
-}
-
-export default function DriftInsightPanel({ driftBills, refresh }) {
-  const [isOpen, setIsOpen] = useState(true);
-
-  if (!driftBills?.length) return null;
-
-  const totalNetDelta = driftBills.reduce((sum, b) => sum + (b.recent_amount - b.expected_amount), 0);
-  const sign = totalNetDelta >= 0 ? '+' : '';
-  const netColor = totalNetDelta >= 0 ? 'text-amber-500 dark:text-amber-400' : 'text-teal-500 dark:text-teal-400';
-  const hasIncrease = driftBills.some(b => b.direction === 'up');
-
-  return (
-    <Collapsible open={isOpen} onOpenChange={setIsOpen}>
-      <div className="rounded-xl border border-amber-400/30 bg-amber-500/[0.06] shadow-sm overflow-hidden dark:bg-amber-400/[0.05]">
-
-        {/* Header */}
-        <CollapsibleTrigger asChild>
-          <button className="flex w-full items-center justify-between px-4 py-3 transition-colors hover:bg-amber-500/[0.04] focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-amber-400/40 focus-visible:ring-inset">
-            <div className="flex items-center gap-2.5">
-              {hasIncrease
-                ? <TrendingUp className="h-4 w-4 shrink-0 text-amber-400" />
-                : <TrendingDown className="h-4 w-4 shrink-0 text-teal-400" />
-              }
-              <span className="text-sm font-semibold text-foreground">
-                {driftBills.length === 1
-                  ? '1 bill changed price'
-                  : `${driftBills.length} bills changed price`}
-              </span>
-              <span className={cn('font-mono text-sm', netColor)}>
-                {sign}{fmt(Math.abs(totalNetDelta))}/mo net
-              </span>
-            </div>
-            <ChevronDown
-              className={cn(
-                'h-4 w-4 text-muted-foreground transition-transform duration-200',
-                isOpen && 'rotate-180'
-              )}
-            />
-          </button>
-        </CollapsibleTrigger>
-
-        {/* Bill rows */}
-        <CollapsibleContent>
-          <div className="divide-y divide-border/40 px-4 pb-2">
-            {driftBills.map(row => (
-              <DriftRow
-                key={row.id}
-                row={row}
-                refresh={refresh}
-              />
-            ))}
-          </div>
-        </CollapsibleContent>
-      </div>
-    </Collapsible>
-  );
-}

client/hooks/useQueries.js

@@ -40,13 +40,4 @@ export function useOverdueCount() {
     refetchInterval: 1000 * 60 * 5,     // poll every 5 minutes
     refetchIntervalInBackground: false,  // only when tab is active
   });
-}
-// Drift / price-change report — refreshed on demand, not auto-polled
-export function useDriftReport() {
-  return useQuery({
-    queryKey: ['drift-report'],
-    queryFn: () => api.driftReport(),
-    staleTime: 1000 * 60 * 10,
-    refetchOnWindowFocus: false,
-  });
-}
+}

client/pages/PayoffPage.jsx

@@ -1,492 +0,0 @@
-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>
-  );
-}

client/pages/ProfilePage.jsx

@@ -339,7 +339,6 @@ function NotificationPreferences({ settings, onSaved }) {
     notify_1_day: !!(form.notify_1_day ?? form.notify_1d),
     notify_due: !!(form.notify_due ?? form.notify_day_of),
     notify_overdue: !!(form.notify_overdue ?? form.notify_daily_overdue),
-    notify_amount_change: !!(form.notify_amount_change ?? true),
   };
   payload.enabled = payload.notifications_enabled;
   payload.notify_3d = payload.notify_3_day;
@@ -373,7 +372,6 @@ function NotificationPreferences({ settings, onSaved }) {
           <CheckRow id="n-1" label="Notify 1 day before" checked={payload.notify_1_day} onChange={v => set('notify_1_day', v)} disabled={!payload.notifications_enabled} />
           <CheckRow id="n-due" label="Notify due date" checked={payload.notify_due} onChange={v => set('notify_due', v)} disabled={!payload.notifications_enabled} />
           <CheckRow id="n-overdue" label="Notify overdue" checked={payload.notify_overdue} onChange={v => set('notify_overdue', v)} disabled={!payload.notifications_enabled} />
-          <CheckRow id="n-amount" label="Notify on price changes" checked={payload.notify_amount_change} onChange={v => set('notify_amount_change', v)} disabled={!payload.notifications_enabled} />
         </div>
       </div>
       <div className="px-6 py-4 border-t border-border/50 flex justify-end">

client/pages/SettingsPage.jsx

@@ -215,7 +215,6 @@ export default function SettingsPage() {
     currency:              'USD',
     date_format:           'MM/DD/YYYY',
     grace_period_days:     3,
-    drift_threshold_pct:   '5',
   };
 
   const [settings, setSettings] = useState(DEFAULTS);
@@ -243,7 +242,6 @@ export default function SettingsPage() {
         currency: settings.currency,
         date_format: settings.date_format,
         grace_period_days: settings.grace_period_days,
-        drift_threshold_pct: settings.drift_threshold_pct,
       });
       toast.success('Settings saved.');
     } catch (err) {
@@ -339,23 +337,6 @@ export default function SettingsPage() {
             <span className="text-sm text-muted-foreground">days</span>
           </div>
         </SettingRow>
-        <SettingRow
-          label="Price change sensitivity"
-          description="Flag a bill when recent payments differ from the expected amount by at least this percentage."
-        >
-          <div className="flex items-center gap-2">
-            <Input
-              type="number"
-              min={1}
-              max={25}
-              step={1}
-              value={settings.drift_threshold_pct ?? '5'}
-              onChange={(e) => set('drift_threshold_pct', e.target.value)}
-              className="w-20 font-mono"
-            />
-            <span className="text-sm text-muted-foreground">%</span>
-          </div>
-        </SettingRow>
       </SectionCard>
 
 

client/pages/TrackerPage.jsx

@@ -3,7 +3,7 @@ import { useSearchParams } from 'react-router-dom';
 import { ChevronLeft, ChevronRight, Pencil, TrendingUp, AlertCircle, Clock, CheckCircle2, Settings2, Loader2, Plus, Search, X, RefreshCw } from 'lucide-react';
 import { toast } from 'sonner';
 import { api } from '@/api.js';
-import { useTracker, useDriftReport } from '@/hooks/useQueries';
+import { useTracker } from '@/hooks/useQueries';
 import BillModal from '@/components/BillModal';
 import { makeBillDraft } from '@/lib/billDrafts';
 import { cn, fmt, fmtDate, todayStr } from '@/lib/utils';
@@ -29,7 +29,6 @@ import MonthlyStateDialog from '@/components/tracker/MonthlyStateDialog';
 import StartingAmountsEditDialog from '@/components/tracker/StartingAmountsEditDialog';
 import PaymentModal from '@/components/tracker/PaymentModal';
 import OverdueCommandCenter from '@/components/tracker/OverdueCommandCenter';
-import DriftInsightPanel from '@/components/tracker/DriftInsightPanel';
 const MONTHS = [
   'January','February','March','April','May','June',
   'July','August','September','October','November','December',
@@ -1831,7 +1830,6 @@ export default function TrackerPage() {
 
   // Use React Query for data fetching
   const { data, isLoading: loading, isError, error, refetch } = useTracker(year, month);
-  const { data: driftData, refetch: refetchDrift } = useDriftReport();
 
   useEffect(() => {
     const querySearch = searchParams.get('search') || '';
@@ -2070,14 +2068,6 @@ export default function TrackerPage() {
         />
       )}
 
-      {/* ── Drift / Price-Change Insights ── */}
-      {!isError && !loading && (driftData?.bills?.length ?? 0) > 0 && (
-        <DriftInsightPanel
-          driftBills={driftData.bills}
-          refresh={() => { refetch(); refetchDrift(); }}
-        />
-      )}
-
       {/* ── Fetch error state ── */}
       {isError && (
         <div className="flex flex-col items-center justify-center py-20 text-center rounded-xl border border-destructive/20 bg-destructive/5">

db/database.js

@@ -38,7 +38,7 @@ const DEFAULT_CATEGORIES = [
 const COLUMN_WHITELIST = new Set([
   // users table columns
   'active', 'is_default_admin', 'notification_email', 'notifications_enabled',
-  'notify_3d', 'notify_1d', 'notify_due', 'notify_overdue', 'notify_amount_change',
+  'notify_3d', 'notify_1d', 'notify_due', 'notify_overdue',
   'display_name', 'last_password_change_at', 'auth_provider', 'external_subject',
   'email', 'last_login_at',
   // payments table columns
@@ -49,7 +49,7 @@ const COLUMN_WHITELIST = new Set([
   'history_visibility', 'interest_rate', 'user_id',
   'current_balance', 'minimum_payment', 'snowball_order', 'snowball_include',
   'snowball_exempt', 'is_subscription', 'subscription_type', 'reminder_days_before',
-  'subscription_source', 'subscription_detected_at', 'deleted_at', 'drift_snoozed_until',
+  'subscription_source', 'subscription_detected_at', 'deleted_at',
   // sessions table columns
   'created_at',
   // financial_accounts table columns
@@ -2425,15 +2425,6 @@ function runMigrations() {
       run: function() {
         db.exec('ALTER TABLE monthly_bill_state ADD COLUMN snoozed_until TEXT');
       }
-    },
-    {
-      version: 'v0.71',
-      description: 'bills: add drift_snoozed_until; users: add notify_amount_change',
-      dependsOn: ['v0.70'],
-      run: function() {
-        db.exec('ALTER TABLE bills ADD COLUMN drift_snoozed_until TEXT');
-        db.exec('ALTER TABLE users ADD COLUMN notify_amount_change INTEGER NOT NULL DEFAULT 1');
-      }
     }
   ];
 

db/schema.sql

@@ -41,7 +41,6 @@ CREATE TABLE IF NOT EXISTS bills (
   subscription_detected_at TEXT,
   deleted_at TEXT,
   notes TEXT,
-  drift_snoozed_until TEXT,
   created_at TEXT DEFAULT (datetime('now')),
   updated_at TEXT DEFAULT (datetime('now'))
 );
@@ -77,7 +76,6 @@ CREATE TABLE IF NOT EXISTS users (
   must_change_password INTEGER NOT NULL DEFAULT 0,
   first_login INTEGER NOT NULL DEFAULT 1,
   snowball_extra_payment REAL NOT NULL DEFAULT 0,
-  notify_amount_change INTEGER NOT NULL DEFAULT 1,
   created_at TEXT DEFAULT (datetime('now')),
   updated_at TEXT DEFAULT (datetime('now'))
 );

package.json

@@ -1,6 +1,6 @@
 {
   "name": "bill-tracker",
-  "version": "0.34.2",
+  "version": "0.34.0",
   "description": "Monthly bill tracking system",
   "main": "server.js",
   "scripts": {

routes/bills.js

@@ -44,31 +44,6 @@ router.get('/audit', (req, res) => {
   res.json(auditBillsForUser(db, req.user.id, includeInactive));
 });
 
-// ── GET /api/bills/drift-report ──────────────────────────────────────────────
-router.get('/drift-report', (req, res) => {
-  const { getDriftReport } = require('../services/driftService');
-  try {
-    res.json(getDriftReport(req.user.id));
-  } catch (err) {
-    res.status(500).json({ error: 'Failed to compute drift report' });
-  }
-});
-
-// ── POST /api/bills/:id/snooze-drift ─────────────────────────────────────────
-// Registered early (before /:id) but path has suffix so no conflict
-router.post('/:id/snooze-drift', (req, res) => {
-  const db = getDb();
-  const id = parseInt(req.params.id, 10);
-  if (!Number.isInteger(id) || id <= 0) return res.status(400).json({ error: 'Invalid id' });
-  const bill = db.prepare('SELECT id, user_id FROM bills WHERE id = ? AND deleted_at IS NULL').get(id);
-  if (!bill || bill.user_id !== req.user.id) return res.status(404).json({ error: 'Not found' });
-  const until = new Date();
-  until.setDate(until.getDate() + 30);
-  const untilStr = until.toISOString().slice(0, 10);
-  db.prepare('UPDATE bills SET drift_snoozed_until = ? WHERE id = ?').run(untilStr, id);
-  res.json({ ok: true, drift_snoozed_until: untilStr });
-});
-
 // ── GET /api/bills/templates ─────────────────────────────────────────────────
 router.get('/templates', (req, res) => {
   const db = getDb();

routes/notifications.js

@@ -58,20 +58,19 @@ router.get('/me', requireAuth, requireUser, (req, res) => {
   const db   = getDb();
   const user = db.prepare(`
     SELECT notification_email, notifications_enabled,
-           notify_3d, notify_1d, notify_due, notify_overdue, notify_amount_change
+           notify_3d, notify_1d, notify_due, notify_overdue
     FROM users WHERE id = ?
   `).get(req.user.id);
 
   res.json({
-    smtp_enabled:          getSetting('notify_smtp_enabled') === 'true',
-    allow_user_config:     getSetting('notify_allow_user_config') === 'true',
-    notification_email:    user.notification_email  || '',
+    smtp_enabled:        getSetting('notify_smtp_enabled') === 'true',
+    allow_user_config:   getSetting('notify_allow_user_config') === 'true',
+    notification_email:  user.notification_email  || '',
     notifications_enabled: !!user.notifications_enabled,
-    notify_3d:             !!user.notify_3d,
-    notify_1d:             !!user.notify_1d,
-    notify_due:            !!user.notify_due,
-    notify_overdue:        !!user.notify_overdue,
-    notify_amount_change:  user.notify_amount_change !== 0,
+    notify_3d:           !!user.notify_3d,
+    notify_1d:           !!user.notify_1d,
+    notify_due:          !!user.notify_due,
+    notify_overdue:      !!user.notify_overdue,
   });
 });
 
@@ -80,7 +79,7 @@ router.put('/me', requireAuth, requireUser, (req, res) => {
   const db = getDb();
   const {
     notification_email, notifications_enabled,
-    notify_3d, notify_1d, notify_due, notify_overdue, notify_amount_change,
+    notify_3d, notify_1d, notify_due, notify_overdue,
   } = req.body;
 
   db.prepare(`
@@ -91,17 +90,15 @@ router.put('/me', requireAuth, requireUser, (req, res) => {
       notify_1d             = ?,
       notify_due            = ?,
       notify_overdue        = ?,
-      notify_amount_change  = ?,
       updated_at            = datetime('now')
     WHERE id = ?
   `).run(
-    notification_email      || null,
-    notifications_enabled   ? 1 : 0,
-    notify_3d   !== false   ? 1 : 0,
-    notify_1d   !== false   ? 1 : 0,
-    notify_due  !== false   ? 1 : 0,
+    notification_email   || null,
+    notifications_enabled ? 1 : 0,
+    notify_3d   !== false ? 1 : 0,
+    notify_1d   !== false ? 1 : 0,
+    notify_due  !== false ? 1 : 0,
     notify_overdue !== false ? 1 : 0,
-    notify_amount_change !== false ? 1 : 0,
     req.user.id,
   );
 

routes/profile.js

@@ -131,7 +131,7 @@ router.get('/settings', (req, res) => {
   const db   = getDb();
   const user = db.prepare(`
     SELECT notification_email, notifications_enabled,
-           notify_3d, notify_1d, notify_due, notify_overdue, notify_amount_change
+           notify_3d, notify_1d, notify_due, notify_overdue
     FROM users WHERE id = ?
   `).get(req.user.id);
 
@@ -144,7 +144,6 @@ router.get('/settings', (req, res) => {
     notify_1d:             !!user.notify_1d,
     notify_due:            !!user.notify_due,
     notify_overdue:        !!user.notify_overdue,
-    notify_amount_change:  user.notify_amount_change !== 0,
   });
 });
 
@@ -155,7 +154,7 @@ router.patch('/settings', (req, res) => {
   const db = getDb();
   const {
     notification_email, email, notifications_enabled,
-    notify_3d, notify_1d, notify_due, notify_overdue, notify_amount_change,
+    notify_3d, notify_1d, notify_due, notify_overdue,
   } = req.body;
 
   const nextEmail = notification_email !== undefined ? notification_email : email;
@@ -171,7 +170,7 @@ router.patch('/settings', (req, res) => {
 
   const current = db.prepare(`
     SELECT notification_email, notifications_enabled,
-           notify_3d, notify_1d, notify_due, notify_overdue, notify_amount_change
+           notify_3d, notify_1d, notify_due, notify_overdue
     FROM users WHERE id = ?
   `).get(req.user.id);
 
@@ -190,17 +189,15 @@ router.patch('/settings', (req, res) => {
       notify_1d             = ?,
       notify_due            = ?,
       notify_overdue        = ?,
-      notify_amount_change  = ?,
       updated_at            = datetime('now')
     WHERE id = ?
   `).run(
     emailVal,
-    boolVal(notifications_enabled,  current.notifications_enabled),
-    boolVal(notify_3d,              current.notify_3d),
-    boolVal(notify_1d,              current.notify_1d),
-    boolVal(notify_due,             current.notify_due),
-    boolVal(notify_overdue,         current.notify_overdue),
-    boolVal(notify_amount_change,   current.notify_amount_change),
+    boolVal(notifications_enabled, current.notifications_enabled),
+    boolVal(notify_3d,             current.notify_3d),
+    boolVal(notify_1d,             current.notify_1d),
+    boolVal(notify_due,            current.notify_due),
+    boolVal(notify_overdue,        current.notify_overdue),
     req.user.id,
   );
 

services/driftService.js

@@ -1,106 +0,0 @@
-'use strict';
-
-const { getDb } = require('../db/database');
-const { getCycleRange } = require('./statusService');
-const { getUserSettings } = require('./userSettings');
-
-const MONTHS_BACK  = 3;
-const MIN_PAID_MONTHS = 2;
-const MIN_ABS_DELTA   = 1.00;
-
-function median(arr) {
-  if (!arr.length) return 0;
-  const sorted = [...arr].sort((a, b) => a - b);
-  const mid = Math.floor(sorted.length / 2);
-  return sorted.length % 2 !== 0
-    ? sorted[mid]
-    : (sorted[mid - 1] + sorted[mid]) / 2;
-}
-
-function monthEnd(year, month) {
-  return new Date(Date.UTC(year, month, 0)).getUTCDate();
-}
-
-function getDriftReport(userId, now = new Date()) {
-  try {
-    const db = getDb();
-    const settings = getUserSettings(userId);
-    const thresholdPct = Math.max(1, Math.min(25,
-      parseFloat(settings.drift_threshold_pct ?? '5') || 5
-    ));
-
-    const bills = db.prepare(`
-      SELECT b.*, c.name AS category_name
-      FROM bills b
-      LEFT JOIN categories c ON c.id = b.category_id
-      WHERE b.user_id = ? AND b.active = 1 AND b.deleted_at IS NULL
-    `).all(userId);
-
-    const todayStr = now.toISOString().slice(0, 10);
-    const drifted  = [];
-
-    const mbsStmt = db.prepare(
-      'SELECT is_skipped FROM monthly_bill_state WHERE bill_id = ? AND year = ? AND month = ?'
-    );
-    const payStmt = db.prepare(`
-      SELECT COALESCE(SUM(amount), 0) AS total
-      FROM payments
-      WHERE bill_id = ? AND paid_date BETWEEN ? AND ? AND deleted_at IS NULL
-    `);
-
-    for (const bill of bills) {
-      if (!bill.expected_amount || bill.expected_amount <= 0) continue;
-      if (bill.drift_snoozed_until && bill.drift_snoozed_until > todayStr) continue;
-
-      const monthTotals = [];
-
-      for (let i = 1; i <= MONTHS_BACK; i++) {
-        const d  = new Date(Date.UTC(now.getUTCFullYear(), now.getUTCMonth() - i, 1));
-        const yr = d.getUTCFullYear();
-        const mo = d.getUTCMonth() + 1;
-
-        // Skip if bill was created after this month ended
-        const monthEndStr = `${yr}-${String(mo).padStart(2,'0')}-${String(monthEnd(yr, mo)).padStart(2,'0')}`;
-        if (bill.created_at && bill.created_at.slice(0, 10) > monthEndStr) continue;
-
-        const mbs = mbsStmt.get(bill.id, yr, mo);
-        if (mbs?.is_skipped) continue;
-
-        const range = getCycleRange(yr, mo, bill);
-        if (!range) continue;
-
-        const { total } = payStmt.get(bill.id, range.start, range.end);
-        if (total > 0) monthTotals.push(total);
-      }
-
-      if (monthTotals.length < MIN_PAID_MONTHS) continue;
-
-      const recentAmount = median(monthTotals);
-      const delta        = recentAmount - bill.expected_amount;
-      const absDelta     = Math.abs(delta);
-      const driftPct     = (delta / bill.expected_amount) * 100;
-
-      if (absDelta < MIN_ABS_DELTA) continue;
-      if (Math.abs(driftPct) < thresholdPct) continue;
-
-      drifted.push({
-        id:               bill.id,
-        name:             bill.name,
-        category_name:    bill.category_name ?? null,
-        expected_amount:  bill.expected_amount,
-        recent_amount:    Math.round(recentAmount * 100) / 100,
-        drift_pct:        Math.round(driftPct * 10) / 10,
-        direction:        delta > 0 ? 'up' : 'down',
-        months_sampled:   monthTotals.length,
-        drift_snoozed_until: bill.drift_snoozed_until ?? null,
-      });
-    }
-
-    return { bills: drifted, threshold_pct: thresholdPct };
-  } catch (err) {
-    console.error('[driftService] getDriftReport error:', err.message);
-    return { bills: [], threshold_pct: 5, error: err.message };
-  }
-}
-
-module.exports = { getDriftReport };

services/notificationService.js

@@ -272,123 +272,4 @@ async function runNotifications() {
   }
 }
 
-// ── Drift / price-change digest email ────────────────────────────────────────
-
-function fmtAmt(n) {
-  return '$' + Number(n || 0).toFixed(2);
-}
-
-function buildDriftDigestHtml(bills) {
-  const color = '#d97706'; // amber-600
-
-  const rows = bills.map(b => {
-    const sign  = b.direction === 'up' ? '+' : '';
-    const arrow = b.direction === 'up' ? '▲' : '▼';
-    const arrowColor = b.direction === 'up' ? '#d97706' : '#0d9488';
-    return `
-      <tr>
-        <td style="padding:10px 12px;border-bottom:1px solid #f3f4f6;font-size:14px;">${esc(b.name)}</td>
-        <td style="padding:10px 12px;border-bottom:1px solid #f3f4f6;font-size:14px;font-family:monospace;text-decoration:line-through;color:#9ca3af;">${fmtAmt(b.expected_amount)}</td>
-        <td style="padding:10px 12px;border-bottom:1px solid #f3f4f6;font-size:14px;font-family:monospace;font-weight:600;">${fmtAmt(b.recent_amount)}</td>
-        <td style="padding:10px 12px;border-bottom:1px solid #f3f4f6;font-size:13px;color:${arrowColor};font-weight:700;">${arrow} ${sign}${b.drift_pct}%</td>
-      </tr>`;
-  }).join('');
-
-  return `<!DOCTYPE html>
-<html>
-<body style="margin:0;padding:0;background:#f5f6fa;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;">
-<table width="100%" cellpadding="0" cellspacing="0" style="padding:32px 16px;">
-  <tr><td align="center">
-    <table width="540" cellpadding="0" cellspacing="0" style="background:#fff;border-radius:8px;border:1px solid #e2e4eb;overflow:hidden;">
-      <tr>
-        <td style="background:${color};padding:16px 24px;">
-          <p style="margin:0;color:#fff;font-size:11px;text-transform:uppercase;letter-spacing:1px;font-weight:600;">Bill Tracker</p>
-          <h1 style="margin:4px 0 0;color:#fff;font-size:20px;font-weight:700;">Price Changes Detected</h1>
-        </td>
-      </tr>
-      <tr>
-        <td style="padding:20px 24px 8px;">
-          <p style="margin:0;color:#374151;font-size:14px;">
-            The following bills have been paid at amounts different from their expected amounts for the past ${bills[0]?.months_sampled ?? 2}+ months.
-          </p>
-        </td>
-      </tr>
-      <tr>
-        <td style="padding:8px 24px 20px;">
-          <table width="100%" cellpadding="0" cellspacing="0" style="border:1px solid #e5e7eb;border-radius:6px;overflow:hidden;">
-            <thead>
-              <tr style="background:#fef9c3;">
-                <th style="padding:8px 12px;text-align:left;font-size:12px;color:#92400e;font-weight:600;text-transform:uppercase;letter-spacing:0.5px;">Bill</th>
-                <th style="padding:8px 12px;text-align:left;font-size:12px;color:#92400e;font-weight:600;text-transform:uppercase;letter-spacing:0.5px;">Was</th>
-                <th style="padding:8px 12px;text-align:left;font-size:12px;color:#92400e;font-weight:600;text-transform:uppercase;letter-spacing:0.5px;">Now ~</th>
-                <th style="padding:8px 12px;text-align:left;font-size:12px;color:#92400e;font-weight:600;text-transform:uppercase;letter-spacing:0.5px;">Change</th>
-              </tr>
-            </thead>
-            <tbody>${rows}</tbody>
-          </table>
-        </td>
-      </tr>
-      <tr>
-        <td style="padding:0 24px 24px;">
-          <p style="margin:0;color:#6b7280;font-size:13px;">
-            You can update the expected amounts or dismiss these alerts in Bill Tracker.
-          </p>
-        </td>
-      </tr>
-    </table>
-  </td></tr>
-</table>
-</body>
-</html>`;
-}
-
-async function runDriftNotifications() {
-  if (getSetting('notify_smtp_enabled') !== 'true') return;
-  if (!getSetting('notify_smtp_host'))               return;
-  if (!getSetting('notify_sender_address'))          return;
-
-  const db = getDb();
-  const { getDriftReport } = require('./driftService');
-  const now   = new Date();
-  const year  = now.getFullYear();
-  const month = now.getMonth() + 1;
-  const today = now.toISOString().slice(0, 10);
-
-  const allowUserConfig  = getSetting('notify_allow_user_config') === 'true';
-  const globalRecipient  = getSetting('notify_global_recipient');
-
-  const recipients = [];
-
-  if (allowUserConfig) {
-    const users = db.prepare(
-      "SELECT * FROM users WHERE active=1 AND role='user' AND notifications_enabled=1 AND notify_amount_change=1 AND notification_email IS NOT NULL AND notification_email != ''"
-    ).all();
-    recipients.push(...users);
-  } else if (globalRecipient) {
-    recipients.push({ id: 0, notification_email: globalRecipient, notify_amount_change: 1 });
-  }
-
-  for (const recipient of recipients) {
-    try {
-      const report   = getDriftReport(recipient.id, now);
-      const newBills = (report.bills || []).filter(b =>
-        !hasNotification(db, b.id, recipient.id, year, month, 'amount_change', today)
-      );
-      if (!newBills.length) continue;
-
-      await sendEmail(
-        recipient.notification_email,
-        'Price Change Alert: Your bill amounts have changed',
-        buildDriftDigestHtml(newBills)
-      );
-
-      for (const b of newBills) {
-        recordNotification(db, b.id, recipient.id, year, month, 'amount_change', today);
-      }
-    } catch (err) {
-      console.error('[drift notifications] Error for recipient', recipient.notification_email, ':', err.message);
-    }
-  }
-}
-
-module.exports = { runNotifications, runDriftNotifications, sendTestEmail, createTransport };
+module.exports = { runNotifications, sendTestEmail, createTransport };

services/userSettings.js

@@ -7,7 +7,6 @@ const USER_SETTING_KEYS = [
   'date_format',
   'grace_period_days',
   'notify_days_before',
-  'drift_threshold_pct',
 ];
 
 function defaultUserSettings() {

workers/dailyWorker.js

@@ -2,7 +2,7 @@ const cron = require('node-cron');
 const { getDb, getSetting } = require('../db/database');
 const { buildTrackerRow, getCycleRange } = require('../services/statusService');
 const { pruneExpiredSessions } = require('../services/authService');
-const { runNotifications, runDriftNotifications } = require('../services/notificationService');
+const { runNotifications } = require('../services/notificationService');
 const { runAllCleanup } = require('../services/cleanupService');
 const {
   markWorkerError,
@@ -49,9 +49,6 @@ async function runDailyTasks() {
 
   pruneExpiredSessions();
   await runNotifications();
-  await runDriftNotifications().catch(err => {
-    console.error('[worker] Drift notification error (non-fatal):', err.message);
-  });
 
   // Run scheduled cleanup tasks (expired import sessions, stale temp files, etc.)
   await runAllCleanup().catch(err => {