'use strict'; /** * Money utilities — integer-cents core. * * All arithmetic runs in integer cents so sums and rounding are exact; * floats only appear at the edges (DB columns that still store dollar * REALs, API payloads, display formatting). * * Storage units today: * - bills / payments / monthly_bill_state / budgets / income: dollars (REAL) * - SimpleFIN transactions / financial_accounts: cents (INTEGER) * * The planned v1.03 migration (see docs/cents-migration-plan.md) converts the * dollar columns to integer cents. Until then, services work in dollars at * their boundaries and these helpers guarantee cent-exact math internally. */ /** * Dollars (number or string like "$1,234.56") → integer cents. * null/undefined/'' → null. Unparseable input → NaN (caller validates). * * Rounds off the decimal string (via the shortest round-trip representation for * numbers) rather than `Math.round(n * 100)`, whose binary-float error rounds * e.g. 1.005 down to 100 instead of 101 (QA-B7-01). Output is identical to the * old helper for all integer / ≤2-decimal / "$1,234.56" inputs; only 3+-decimal * half-cent values change, and they now round half away from zero. */ function toCents(dollars) { if (dollars === null || dollars === undefined || dollars === '') return null; const cleaned = typeof dollars === 'string' ? dollars.replace(/[$,\s]/g, '') : dollars; const n = Number(cleaned); if (!Number.isFinite(n)) return NaN; // The shortest decimal string that round-trips to this float (e.g. 1.005 for // the number 1.005, not 1.00499999…). Scientific notation → float fallback. const decimal = typeof cleaned === 'string' ? cleaned : n.toString(); if (/[eE]/.test(decimal)) return Math.round(n * 100); const negative = decimal.trim().startsWith('-'); const [intPart, fracPart = ''] = decimal.replace('-', '').split('.'); const frac3 = (fracPart + '000').slice(0, 3); const cents = Number(intPart || '0') * 100 + Number(frac3.slice(0, 2)) + (Number(frac3[2]) >= 5 ? 1 : 0); return negative ? -cents : cents; } /** Integer cents → dollar number (for API payloads). null/undefined → null. */ function fromCents(cents) { if (cents === null || cents === undefined) return null; const n = Number(cents); if (!Number.isFinite(n)) return null; return n / 100; } /** * Round a dollar amount to the nearest cent, exactly. * Drop-in replacement for the old `Math.round(x * 100) / 100` helpers. */ function roundMoney(value) { const cents = toCents(value); return cents === null || Number.isNaN(cents) ? 0 : cents / 100; } /** * Cent-exact sum of dollar amounts. Replaces float `reduce((s, x) => s + x)` * chains, which accumulate binary representation error. * * sumMoney([0.1, 0.2]) → 0.3 (not 0.30000000000000004) * sumMoney(rows, r => r.amount) → picks a field */ function sumMoney(values, pick) { let total = 0; for (const v of values) { const raw = pick ? pick(v) : v; const cents = toCents(raw); if (cents !== null && !Number.isNaN(cents)) total += cents; } return total / 100; } /** * Multiply a dollar amount by a factor (interest rate, proration, etc.), * rounding the result to the nearest cent. */ function mulMoney(dollars, factor) { const cents = toCents(dollars); if (cents === null || Number.isNaN(cents) || !Number.isFinite(factor)) return 0; return Math.round(cents * factor) / 100; } const _usd = new Intl.NumberFormat('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); /** Dollar number → "$1,234.56" (negatives as "-$1,234.56"). null/undefined → "$0.00". */ function formatUSD(dollars) { const n = Number(dollars) || 0; return (n < 0 ? '-' : '') + '$' + _usd.format(Math.abs(n)); } /** Integer cents → "$1,234.56". */ function formatCentsUSD(cents) { return formatUSD(fromCents(cents) ?? 0); } module.exports = { toCents, fromCents, roundMoney, sumMoney, mulMoney, formatUSD, formatCentsUSD };