final touches for beta skymoney (at least i think)

api/prisma/schema.prisma

@@ -9,16 +9,40 @@ datasource db {
   url      = env("DATABASE_URL")
 }
 
+enum IncomeFrequency {
+  weekly
+  biweekly
+  monthly
+}
+
+enum IncomeType {
+  regular
+  irregular
+}
+
 model User {
-  id        String   @id @default(uuid())
-  email     String   @unique
-  createdAt DateTime @default(now())
+  id           String   @id @default(uuid())
+  email        String   @unique
+  passwordHash String?
+  displayName  String?
+  createdAt    DateTime @default(now())
+  updatedAt    DateTime @updatedAt
+
+  incomeFrequency   IncomeFrequency @default(biweekly)
+  incomeType        IncomeType      @default(regular)
+  firstIncomeDate   DateTime?       // Track when user's first income was received for accurate pay period calculation
+  pendingScheduledIncome Boolean    @default(false) // Flag set when user dismisses payday overlay, cleared when paycheck is entered
+  timezone          String          @default("America/New_York") // IANA timezone identifier for accurate date calculations
+  fixedExpensePercentage Int        @default(40) // Irregular income: percent of new income to auto-fund fixed expenses
+  totalBudgetCents  BigInt?
+  budgetPeriod      String          @default("monthly")
 
   variableCategories VariableCategory[]
   fixedPlans         FixedPlan[]
   incomes            IncomeEvent[]
   allocations        Allocation[]
   transactions       Transaction[]
+  budgetSessions     BudgetSession[]
 }
 
 model VariableCategory {
@@ -30,6 +54,8 @@ model VariableCategory {
   priority     Int     @default(100)
   isSavings    Boolean @default(false)
   balanceCents BigInt  @default(0)
+  savingsTargetCents BigInt?
+  transactions Transaction[] @relation("TransactionCategory")
 
   @@unique([userId, name])
   @@index([userId, priority])
@@ -44,9 +70,31 @@ model FixedPlan {
   dueOn        DateTime
   totalCents   BigInt
   fundedCents  BigInt   @default(0)
+  currentFundedCents BigInt @default(0)
   priority     Int      @default(100)
   fundingMode  String   @default("auto-on-deposit")
   scheduleJson Json?
+  periodDays   Int      @default(30)
+  frequency    String?  // "one-time", "weekly", "biweekly", "monthly"
+  autoRollover Boolean  @default(true)
+  lastRollover DateTime?
+  lastFundingDate DateTime?
+  lastFundedPayPeriod DateTime? // Track when plan was last funded in a pay period
+  needsFundingThisPeriod Boolean @default(true) // Simple flag to track funding needs
+  
+  // Auto-payment fields
+  autoPayEnabled    Boolean  @default(false)
+  paymentSchedule   Json?    // { frequency: "monthly", dayOfMonth: 1, minFundingPercent: 100 }
+  nextPaymentDate   DateTime?
+  lastAutoPayment   DateTime?
+  maxRetryAttempts  Int      @default(3)
+  
+  // Overdue tracking fields
+  isOverdue         Boolean  @default(false)
+  overdueAmount     BigInt   @default(0)
+  overdueSince      DateTime?
+  
+  transactions  Transaction[] @relation("TransactionPlan")
 
   @@unique([userId, name])
   @@index([userId, dueOn])
@@ -59,6 +107,8 @@ model IncomeEvent {
   user        User         @relation(fields: [userId], references: [id], onDelete: Cascade)
   postedAt    DateTime
   amountCents BigInt
+  note        String?
+  isScheduledIncome Boolean @default(false) // True if this is a regular paycheck (vs bonus/extra income)
   allocations Allocation[]
 
   @@index([userId, postedAt])
@@ -83,8 +133,31 @@ model Transaction {
   occurredAt  DateTime
   kind        String
   categoryId  String?
+  category    VariableCategory? @relation("TransactionCategory", fields: [categoryId], references: [id], onDelete: SetNull)
   planId      String?
+  plan        FixedPlan? @relation("TransactionPlan", fields: [planId], references: [id], onDelete: SetNull)
   amountCents BigInt
+  note        String?
+  receiptUrl  String?
+  isAutoPayment Boolean @default(false)
+  isReconciled Boolean @default(false)
 
   @@index([userId, occurredAt])
 }
+
+model BudgetSession {
+  id                 String   @id @default(uuid())
+  userId             String
+  user               User     @relation(fields: [userId], references: [id], onDelete: Cascade)
+  periodStart        DateTime
+  periodEnd          DateTime
+  totalBudgetCents   BigInt
+  allocatedCents     BigInt   @default(0)
+  fundedCents        BigInt   @default(0)
+  availableCents     BigInt   @default(0)
+  createdAt          DateTime @default(now())
+  updatedAt          DateTime @updatedAt
+
+  @@unique([userId, periodStart])
+  @@index([userId, periodStart])
+}