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