final touches for beta skymoney (at least i think)
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@@ -3,7 +3,7 @@ import { previewAllocation, type FixedPlan, type VariableCategory } from "../src
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const cats = (defs: Array<Partial<VariableCategory> & { name: string }>): VariableCategory[] =>
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defs.map((d, i) => ({
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id: i + 1,
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id: String(i + 1),
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name: d.name,
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percent: d.percent ?? 0,
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isSavings: d.isSavings ?? false,
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@@ -12,12 +12,13 @@ const cats = (defs: Array<Partial<VariableCategory> & { name: string }>): Variab
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const plans = (defs: Array<Partial<FixedPlan> & { name: string; totalCents: number }>): FixedPlan[] =>
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defs.map((d, i) => ({
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id: i + 1,
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id: String(i + 1),
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name: d.name,
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totalCents: d.totalCents,
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fundedCents: d.fundedCents ?? 0,
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priority: d.priority ?? 100,
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dueOn: d.dueOn ?? new Date().toISOString(),
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cycleStart: d.cycleStart ?? new Date().toISOString(),
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}));
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describe("previewAllocation — basics", () => {
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32
web/tests/funding.test.ts
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32
web/tests/funding.test.ts
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@@ -0,0 +1,32 @@
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import { describe, it, expect } from 'vitest';
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import { computeFixedFundingStatus } from '../src/utils/funding';
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describe('computeFixedFundingStatus', () => {
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it('weekly pay, 3-week window, after 1 week funded one-third -> no funding needed', () => {
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const cycleStart = new Date('2025-11-01T00:00:00.000Z');
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const now = new Date('2025-11-08T00:00:00.000Z'); // 7 days later => 1 paycheck elapsed
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const due = new Date(cycleStart.getTime() + 21 * 24 * 60 * 60 * 1000); // 21 days after start
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const total = 30000; // $300.00
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const funded = Math.round(total / 3); // after 1 paycheck
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const plans = [{ id: 'p1', name: 'Rent', totalCents: total, fundedCents: funded, dueOn: due.toISOString(), cycleStart: cycleStart.toISOString() }];
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const res = computeFixedFundingStatus('regular', 'weekly', plans, now, false, 100);
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expect(res.needsFunding).toBe(false);
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expect(res.plans[0].needsFunding).toBe(false);
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});
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it('weekly pay, 3-week window, after 1 week underfunded -> needs funding', () => {
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const cycleStart = new Date('2025-11-01T00:00:00.000Z');
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const now = new Date('2025-11-08T00:00:00.000Z'); // 7 days later
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const due = new Date(cycleStart.getTime() + 21 * 24 * 60 * 60 * 1000);
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const total = 30000; // $300.00
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const funded = Math.round(total / 3) - 500; // under by $5
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const plans = [{ id: 'p1', name: 'Rent', totalCents: total, fundedCents: funded, dueOn: due.toISOString(), cycleStart: cycleStart.toISOString() }];
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const res = computeFixedFundingStatus('regular', 'weekly', plans, now, false, 100);
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expect(res.needsFunding).toBe(true);
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expect(res.plans[0].needsFunding).toBe(true);
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});
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});
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218
web/tests/onboarding-tracker.test.ts
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218
web/tests/onboarding-tracker.test.ts
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@@ -0,0 +1,218 @@
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import { describe, it, expect } from "vitest";
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import { previewAllocation } from "../src/utils/allocatorPreview";
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/**
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* Test case: Regular income user with payment plans
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* Budget: $2,000 per paycheck (weekly)
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* Fixed expenses:
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* 1. Rent: $1,200 (due in 4 weeks, payment plan enabled) - should fund $300/week
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* 2. Insurance: $400 (due in 2 weeks, payment plan enabled) - should fund $200/week
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* Variable categories:
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* 1. Groceries: 40%
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* 2. Entertainment: 30%
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* 3. Savings: 30%
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*
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* Expected allocation this paycheck:
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* - Fixed: $500 ($300 + $200)
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* - Variable: $1,500 (remaining after fixed)
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* - Groceries: $600 (40% of $1,500)
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* - Entertainment: $450 (30% of $1,500)
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* - Savings: $450 (30% of $1,500)
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*/
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describe("OnboardingTracker vs API Allocator", () => {
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it("should allocate budget correctly with payment plans", () => {
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const budgetCents = 200000; // $2,000
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// Today's date for testing
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const now = new Date("2025-11-26");
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// Fixed plans with payment plans enabled
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const fixedPlans = [
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{
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id: "rent",
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name: "Rent",
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totalCents: 120000, // $1,200
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fundedCents: 0, // Not yet funded
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dueOn: "2025-12-24", // 4 weeks from now (28 days)
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priority: 1,
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cycleStart: "2025-11-26",
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},
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{
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id: "insurance",
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name: "Insurance",
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totalCents: 40000, // $400
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fundedCents: 0, // Not yet funded
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dueOn: "2025-12-10", // 2 weeks from now (14 days)
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priority: 2,
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cycleStart: "2025-11-26",
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},
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];
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// Variable categories
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const variableCategories = [
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{
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id: "groceries",
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name: "Groceries",
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percent: 40,
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balanceCents: 0,
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isSavings: false,
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priority: 1,
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},
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{
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id: "entertainment",
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name: "Entertainment",
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percent: 30,
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balanceCents: 0,
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isSavings: false,
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priority: 2,
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},
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{
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id: "savings",
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name: "Savings",
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percent: 30,
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balanceCents: 0,
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isSavings: true,
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priority: 3,
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},
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];
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// Calculate allocation using previewAllocation
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const result = previewAllocation(budgetCents, fixedPlans, variableCategories);
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console.log("\n=== ONBOARDING TRACKER TEST CASE ===");
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console.log("Budget:", budgetCents / 100, "($2,000)");
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console.log("\nFixed Expenses:");
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result.fixed.forEach((f) => {
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const original = fixedPlans.find((fp) => fp.id === f.id);
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const daysUntilDue = Math.ceil(
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(new Date(original!.dueOn).getTime() - now.getTime()) / (24 * 60 * 60 * 1000)
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);
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const weeksUntilDue = Math.ceil(daysUntilDue / 7);
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const expectedPerPaycheck = original!.totalCents / weeksUntilDue;
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console.log(` ${f.name}: $${f.amountCents / 100} allocated`);
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console.log(` Total needed: $${original!.totalCents / 100}`);
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console.log(` Due in: ${daysUntilDue} days (${weeksUntilDue} weeks)`);
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console.log(` Expected per paycheck: $${expectedPerPaycheck / 100}`);
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console.log(` Percentage funded: ${Math.round((f.amountCents / original!.totalCents) * 100)}%`);
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});
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const totalFixedAllocated = result.fixed.reduce((sum, f) => sum + f.amountCents, 0);
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console.log(` Total Fixed Allocated: $${totalFixedAllocated / 100}`);
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console.log("\nVariable Categories:");
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const totalVariableAllocated = result.variable.reduce((sum, v) => sum + v.amountCents, 0);
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console.log(` Total Available: $${totalVariableAllocated / 100}`);
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result.variable.forEach((v) => {
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const original = variableCategories.find((vc) => vc.id === v.id);
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const percentage = original?.percent || 0;
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const expectedAmount = Math.floor((totalVariableAllocated * percentage) / 100);
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console.log(` ${v.name}: $${v.amountCents / 100} (${percentage}%)`);
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console.log(` Expected: $${expectedAmount / 100}`);
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});
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console.log("\nUnallocated:", result.unallocatedCents / 100);
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// Assertions
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// 1. Rent should get $300 (1200/4 weeks)
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const rentAllocation = result.fixed.find((f) => f.id === "rent");
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expect(rentAllocation?.amountCents).toBe(30000); // $300
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// 2. Insurance should get $200 (400/2 weeks)
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const insuranceAllocation = result.fixed.find((f) => f.id === "insurance");
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expect(insuranceAllocation?.amountCents).toBe(20000); // $200
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// 3. Total fixed should be $500
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expect(totalFixedAllocated).toBe(50000);
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// 4. Variable budget should be $1,500 (2000 - 500)
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expect(totalVariableAllocated).toBe(150000);
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// 5. Groceries should get $600 (40% of $1,500)
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const groceriesAllocation = result.variable.find((v) => v.id === "groceries");
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expect(groceriesAllocation?.amountCents).toBe(60000); // $600
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// 6. Entertainment should get $450 (30% of $1,500)
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const entertainmentAllocation = result.variable.find((v) => v.id === "entertainment");
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expect(entertainmentAllocation?.amountCents).toBe(45000); // $450
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// 7. Savings should get $450 (30% of $1,500)
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const savingsAllocation = result.variable.find((v) => v.id === "savings");
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expect(savingsAllocation?.amountCents).toBe(45000); // $450
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// 8. No unallocated funds
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expect(result.unallocatedCents).toBe(0);
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console.log("\n✓ All assertions passed!");
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});
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it("should handle partial funding correctly", () => {
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const budgetCents = 100000; // $1,000
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// Fixed plan that needs $600 total, already has $300 funded
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const fixedPlans = [
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{
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id: "expense1",
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name: "Expense 1",
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totalCents: 60000, // $600 total
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fundedCents: 30000, // $300 already funded
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dueOn: "2025-12-10",
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priority: 1,
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cycleStart: "2025-11-26",
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},
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];
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// Variable categories
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const variableCategories = [
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{
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id: "cat1",
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name: "Category 1",
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percent: 50,
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balanceCents: 0,
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isSavings: false,
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priority: 1,
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},
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{
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id: "cat2",
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name: "Category 2",
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percent: 50,
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balanceCents: 0,
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isSavings: false,
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priority: 2,
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},
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];
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const result = previewAllocation(budgetCents, fixedPlans, variableCategories);
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console.log("\n=== PARTIAL FUNDING TEST ===");
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console.log("Budget: $1,000");
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console.log("Fixed expense needs: $600 total, $300 already funded");
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console.log("Should allocate: $300 to fixed, $700 to variable");
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const totalFixedAllocated = result.fixed.reduce((sum, f) => sum + f.amountCents, 0);
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const totalVariableAllocated = result.variable.reduce((sum, v) => sum + v.amountCents, 0);
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console.log("\nFixed allocated:", totalFixedAllocated / 100);
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console.log("Variable allocated:", totalVariableAllocated / 100);
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// Fixed should only get $300 (remaining need)
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expect(totalFixedAllocated).toBe(30000);
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// Variable should get $700
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expect(totalVariableAllocated).toBe(70000);
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// Category 1 should get $350 (50% of $700)
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const cat1 = result.variable.find((v) => v.id === "cat1");
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expect(cat1?.amountCents).toBe(35000);
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// Category 2 should get $350 (50% of $700)
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const cat2 = result.variable.find((v) => v.id === "cat2");
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expect(cat2?.amountCents).toBe(35000);
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console.log("✓ Partial funding test passed!");
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});
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});
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