Charts_5

plaid_client.py

@@ -41,6 +41,41 @@ def get_balances(access_token: str) -> str:
     request = AccountsBalanceGetRequest(access_token=access_token)
     response = plaid_client.accounts_balance_get(request)
 
+    lines = ["USER'S CURRENT ACCOUNT BALANCES:"]
+    for account in response['accounts']:
+        name    = account['name']
+        subtype = str(account['subtype'])
+        current = account['balances']['current']
+
+        if current is None:
+            continue
+
+        # Skip mortgage and line of credit — not relevant for daily budgeting
+        if subtype in ['mortgage', 'line of credit']:
+            continue
+
+        if subtype == 'credit card':
+            limit     = account['balances']['limit'] or 0
+            owing     = current
+            available = limit - current if limit > 0 else 0
+            lines.append(
+                f"- {name} (Credit Card): "
+                f"${owing:.2f} owing, ${available:.2f} available out of ${limit:.2f} limit"
+            )
+        elif subtype == 'checking':
+            available = account['balances']['available'] or current
+            lines.append(f"- {name} (Chequing): ${current:.2f} balance, ${available:.2f} available")
+        elif subtype == 'savings':
+            lines.append(f"- {name} (Savings): ${current:.2f}")
+        elif subtype == 'rrsp':
+            lines.append(f"- {name} (RRSP): ${current:.2f}")
+        else:
+            lines.append(f"- {name} ({subtype}): ${current:.2f}")
+
+    return "\n".join(lines)
+    request = AccountsBalanceGetRequest(access_token=access_token)
+    response = plaid_client.accounts_balance_get(request)
+
     lines = ["USER'S CURRENT ACCOUNT BALANCES:"]
     for account in response['accounts']:
         name    = account['name']
@@ -71,6 +106,95 @@ def get_transactions(access_token: str, days: int = 30) -> str:
     start_date = end_date - timedelta(days=days)
     week_start = end_date - timedelta(days=end_date.weekday())
 
+    request = TransactionsGetRequest(
+        access_token=access_token,
+        start_date=start_date,
+        end_date=end_date,
+        options=TransactionsGetRequestOptions(
+            count=200,
+            include_personal_finance_category=True
+        )
+    )
+    response = plaid_client.transactions_get(request)
+    transactions = response['transactions']
+
+    if not transactions:
+        return "No transactions found in the last 30 days."
+
+    today_total = 0.0
+    week_total = 0.0
+    month_total = 0.0
+    income_total = 0.0
+    category_totals: dict[str, float] = {}
+
+    for txn in transactions:
+        amount = txn['amount']
+        name = txn['name']
+        txn_date = txn['date']
+        category = txn.get('personal_finance_category', {}).get('primary', 'OTHER')
+
+        # Skip internal transfers between own accounts
+        if category in ['TRANSFER_IN', 'TRANSFER_OUT']:
+            continue
+
+        # Detect payroll mislabeled as loan payments
+        name_lower = name.lower()
+        if category == 'LOAN_PAYMENTS' and any(w in name_lower for w in ['payroll', 'salary', 'direct dep', 'employer', 'wages']):
+            income_total += amount
+            continue
+
+        # Skip other loan payments (mortgage, LOC) — not daily spending
+        if category == 'LOAN_PAYMENTS':
+            continue
+
+        # Income (negative = money in)
+        if amount < 0:
+            income_total += abs(amount)
+            continue
+
+        # Spending
+        month_total += amount
+        readable = category.replace("_", " ").title()
+        category_totals[readable] = category_totals.get(readable, 0) + amount
+
+        if txn_date >= week_start:
+            week_total += amount
+
+        if txn_date == end_date:
+            today_total += amount
+
+    lines = ["FINANCIAL SUMMARY (pre-calculated, do NOT recalculate):"]
+    lines.append(f"Today's spending: ${today_total:.2f}")
+    lines.append(f"This week's spending (since {week_start}): ${week_total:.2f}")
+    lines.append(f"This month's spending (last {days} days): ${month_total:.2f}")
+
+    if income_total > 0:
+        lines.append(f"Income received (last {days} days): +${income_total:.2f}")
+
+    lines.append(f"Average daily spending: ${month_total / max(days, 1):.2f}")
+
+    lines.append("\nSPENDING BY CATEGORY:")
+    for category, total in sorted(category_totals.items(), key=lambda x: -x[1]):
+        pct = (total / month_total * 100) if month_total > 0 else 0
+        lines.append(f"- {category}: ${total:.2f} ({pct:.0f}%)")
+
+    lines.append("\nRECENT TRANSACTIONS (last 5):")
+    count = 0
+    for txn in transactions:
+        if count >= 5:
+            break
+        amount = txn['amount']
+        category = txn.get('personal_finance_category', {}).get('primary', 'OTHER')
+        if amount <= 0 or category in ['TRANSFER_IN', 'TRANSFER_OUT', 'LOAN_PAYMENTS']:
+            continue
+        lines.append(f"  - {txn['date']} {txn['name']}: ${amount:.2f}")
+        count += 1
+
+    return "\n".join(lines)
+    end_date = date.today()
+    start_date = end_date - timedelta(days=days)
+    week_start = end_date - timedelta(days=end_date.weekday())
+
     request = TransactionsGetRequest(
         access_token=access_token,
         start_date=start_date,
@@ -207,6 +331,135 @@ def exchange_public_token(public_token: str) -> str:
 
 
 def get_chart_data(access_token: str) -> dict:
+    """Returns burn-down velocity chart data based on chequing account."""
+    end_date = date.today()
+    start_date = end_date.replace(day=1)
+
+    # Get balances
+    accounts = []
+    chequing_balance = 0.0
+    chequing_account_id = None
+
+    try:
+        balance_req = AccountsBalanceGetRequest(access_token=access_token)
+        balance_resp = plaid_client.accounts_balance_get(balance_req)
+        for account in balance_resp['accounts']:
+            current = account['balances']['current']
+            if current is None:
+                continue
+            subtype = str(account['subtype'])
+            
+            # Find the main chequing account
+            if subtype == 'checking':
+                chequing_balance = current
+                chequing_account_id = account['account_id']
+
+            # Skip mortgage and line of credit from display
+            if subtype in ['mortgage', 'line of credit']:
+                continue
+
+            accounts.append({
+                "name": account['name'],
+                "type": subtype,
+                "balance": round(current, 2),
+            })
+    except Exception as e:
+        print(f"Balance error in chart_data: {e}", flush=True)
+
+    # Get transactions
+    burndown = []
+    income_total = 0.0
+    expense_total = 0.0
+
+    try:
+        request = TransactionsGetRequest(
+            access_token=access_token,
+            start_date=start_date,
+            end_date=end_date,
+            options=TransactionsGetRequestOptions(
+                count=300,
+                include_personal_finance_category=True
+            )
+        )
+        response = plaid_client.transactions_get(request)
+        transactions = response['transactions']
+
+        # Separate spending by day across chequing + credit cards
+        daily_net: dict[str, float] = {}
+
+        for txn in transactions:
+            amount = txn['amount']
+            txn_date = str(txn['date'])
+            category = txn.get('personal_finance_category', {}).get('primary', 'OTHER')
+
+            # Skip internal transfers between own accounts
+            if category in ['TRANSFER_IN', 'TRANSFER_OUT']:
+                continue
+
+            # Skip loan payments that are actually payroll
+            name_lower = txn['name'].lower()
+            if category == 'LOAN_PAYMENTS' and any(w in name_lower for w in ['payroll', 'salary', 'direct dep', 'employer', 'wages']):
+                income_total += amount
+                daily_net[txn_date] = daily_net.get(txn_date, 0) - amount  # income adds to balance
+                continue
+
+            if amount < 0:
+                # Money coming in (income)
+                income_total += abs(amount)
+                daily_net[txn_date] = daily_net.get(txn_date, 0) + abs(amount)  # adds to balance
+            else:
+                # Money going out (spending)
+                expense_total += amount
+                daily_net[txn_date] = daily_net.get(txn_date, 0) - amount  # subtracts from balance
+
+        # Reconstruct daily balance working BACKWARD from today's chequing balance
+        # today_balance = chequing_balance
+        # yesterday_balance = today_balance - net_change_today
+        # (because net_change is already applied to get to today's balance)
+        
+        daily_balances: dict[str, float] = {}
+        running = chequing_balance
+        
+        # Work backward from today
+        current = end_date
+        while current >= start_date:
+            day_str = str(current)
+            daily_balances[day_str] = running
+            # Undo this day's net change to get previous day's balance
+            net_today = daily_net.get(day_str, 0)
+            running = running - net_today  # undo: if we spent $50 (net=-50), previous day was +50 higher
+            current -= timedelta(days=1)
+
+        # Now build burndown in forward order
+        current = start_date
+        while current <= end_date:
+            day_str = str(current)
+            balance = daily_balances.get(day_str, 0)
+            day_spend = 0
+            
+            # Calculate just spending for this day (not net)
+            for txn in transactions:
+                if str(txn['date']) == day_str and txn['amount'] > 0:
+                    cat = txn.get('personal_finance_category', {}).get('primary', 'OTHER')
+                    if cat not in ['TRANSFER_IN', 'TRANSFER_OUT']:
+                        day_spend += txn['amount']
+
+            burndown.append({
+                "date": current.strftime("%b %d"),
+                "balance": round(balance, 2),
+                "spent": round(day_spend, 2),
+            })
+            current += timedelta(days=1)
+
+    except Exception as e:
+        print(f"Transaction error in chart_data: {e}", flush=True)
+
+    return {
+        "burndown": burndown,
+        "income_total": round(income_total, 2),
+        "expense_total": round(expense_total, 2),
+        "accounts": accounts,
+    }
     """Returns burn-down velocity chart data."""
     end_date = date.today()
     start_date = end_date.replace(day=1)  # Start of current month