feat(insights): committed/discretionary chart, recurring charge detection, fees & interest audit
This commit is contained in:
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import { NextRequest, NextResponse } from "next/server";
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import { getCurrentUser } from "@/lib/auth";
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import { queryRaw } from "@/lib/db";
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export async function GET(req: NextRequest) {
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const user = await getCurrentUser(req);
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if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
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// Statement-level fees and interest (aggregated by Gemini from the PDF)
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const stmtRows = await queryRaw<{
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bank_name: string;
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fees: string;
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interest: string;
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}>(
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`SELECT
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bank_name,
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SUM(COALESCE(fees_charged, 0))::numeric(12,2) AS fees,
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SUM(COALESCE(interest_charged, 0))::numeric(12,2) AS interest
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FROM statements
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WHERE owner_id = $1
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GROUP BY bank_name
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HAVING SUM(COALESCE(fees_charged, 0)) + SUM(COALESCE(interest_charged, 0)) > 0
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ORDER BY (SUM(COALESCE(fees_charged, 0)) + SUM(COALESCE(interest_charged, 0))) DESC`,
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[user.id]
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);
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// Transaction-level fee and interest line items (split-adjusted)
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const txnRows = await queryRaw<{
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id: number;
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transaction_date: string;
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description: string;
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merchant_name: string | null;
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transaction_type: string;
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my_amount: string;
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bank_name: string;
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}>(
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`SELECT
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t.id,
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t.transaction_date,
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t.description,
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t.merchant_name,
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t.transaction_type,
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CASE
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WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
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ELSE COALESCE(t.amount_aud, t.amount)
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END::numeric(12,2) AS my_amount,
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s.bank_name
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FROM transactions t
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LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
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JOIN statements s ON s.id = t.statement_id
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WHERE s.owner_id = $1
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AND t.transaction_type IN ('fee', 'interest')
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ORDER BY t.transaction_date DESC`,
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[user.id]
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);
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const by_bank = stmtRows.map((r) => ({
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bank_name: r.bank_name,
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fees: Number(r.fees),
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interest: Number(r.interest),
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total: Number(r.fees) + Number(r.interest),
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}));
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const transactions = txnRows.map((r) => ({
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...r,
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my_amount: Number(r.my_amount),
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}));
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// Totals from statement-level data (more complete — Gemini reads the statement summary)
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const total_fees = by_bank.reduce((s, r) => s + r.fees, 0);
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const total_interest = by_bank.reduce((s, r) => s + r.interest, 0);
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return NextResponse.json({ by_bank, transactions, total_fees, total_interest });
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}
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@@ -0,0 +1,133 @@
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import { NextRequest, NextResponse } from "next/server";
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import { getCurrentUser } from "@/lib/auth";
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import { queryRaw } from "@/lib/db";
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export async function GET(req: NextRequest) {
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const user = await getCurrentUser(req);
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if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
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const rows = await queryRaw<{
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merchant: string;
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category: string;
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occurrences: number;
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avg_amount: string;
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first_seen: string;
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last_seen: string;
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total_paid: string;
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median_interval: string;
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frequency: string | null;
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}>(
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`WITH merchant_txns AS (
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SELECT
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COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) AS merchant,
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COALESCE(o.category_override, t.category) AS category,
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t.transaction_date,
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CASE
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WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
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ELSE COALESCE(t.amount_aud, t.amount)
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END AS my_amount
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FROM transactions t
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LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
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LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
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JOIN statements s ON s.id = t.statement_id
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WHERE s.owner_id = $1
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AND t.transaction_type IN ('debit', 'fee')
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AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) IS NOT NULL
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),
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merchant_with_lag AS (
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SELECT
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merchant,
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category,
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transaction_date,
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my_amount,
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LAG(transaction_date) OVER (PARTITION BY merchant ORDER BY transaction_date) AS prev_date
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FROM merchant_txns
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),
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merchant_stats AS (
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SELECT
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merchant,
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MODE() WITHIN GROUP (ORDER BY category) AS category,
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COUNT(*) + 1 AS occurrences,
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AVG(my_amount)::numeric(12,2) AS avg_amount,
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MIN(transaction_date) AS first_seen,
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MAX(transaction_date) AS last_seen,
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SUM(my_amount)::numeric(12,2) AS total_paid,
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PERCENTILE_CONT(0.5) WITHIN GROUP (
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ORDER BY (transaction_date - prev_date)::int
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) AS median_interval,
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STDDEV((transaction_date - prev_date)::int) AS stddev_interval
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FROM merchant_with_lag
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WHERE prev_date IS NOT NULL
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GROUP BY merchant
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HAVING COUNT(*) >= 2
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),
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classified AS (
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SELECT *,
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CASE
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WHEN median_interval BETWEEN 6 AND 8 THEN 'weekly'
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WHEN median_interval BETWEEN 13 AND 16 THEN 'fortnightly'
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WHEN median_interval BETWEEN 27 AND 35 THEN 'monthly'
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WHEN median_interval BETWEEN 85 AND 95 THEN 'quarterly'
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WHEN median_interval BETWEEN 350 AND 380 THEN 'annual'
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ELSE NULL
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END AS frequency
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FROM merchant_stats
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WHERE stddev_interval < median_interval * 0.4
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AND (
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median_interval BETWEEN 6 AND 8 OR
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median_interval BETWEEN 13 AND 16 OR
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median_interval BETWEEN 27 AND 35 OR
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median_interval BETWEEN 85 AND 95 OR
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median_interval BETWEEN 350 AND 380
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)
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)
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SELECT merchant, category, occurrences, avg_amount, first_seen, last_seen, total_paid,
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median_interval::numeric(8,1), frequency
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FROM classified
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WHERE frequency IS NOT NULL
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ORDER BY
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CASE frequency
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WHEN 'weekly' THEN avg_amount * 4.33
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WHEN 'fortnightly' THEN avg_amount * 2.17
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WHEN 'monthly' THEN avg_amount
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WHEN 'quarterly' THEN avg_amount / 3
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WHEN 'annual' THEN avg_amount / 12
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END DESC NULLS LAST`,
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[user.id]
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);
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const today = new Date();
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const subscriptions = rows.map((r) => {
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const lastSeen = new Date(r.last_seen);
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const daysSinceLast = Math.floor((today.getTime() - lastSeen.getTime()) / 86400000);
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const medianInterval = Number(r.median_interval);
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const is_active = daysSinceLast < medianInterval * 1.5;
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const avg = Number(r.avg_amount);
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const monthly_equiv =
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r.frequency === "weekly" ? avg * 4.33 :
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r.frequency === "fortnightly" ? avg * 2.17 :
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r.frequency === "quarterly" ? avg / 3 :
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r.frequency === "annual" ? avg / 12 :
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avg;
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return {
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merchant: r.merchant,
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category: r.category,
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frequency: r.frequency,
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avg_amount: avg,
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monthly_equiv: Math.round(monthly_equiv * 100) / 100,
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first_seen: r.first_seen,
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last_seen: r.last_seen,
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occurrences: r.occurrences,
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total_paid: Number(r.total_paid),
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is_active,
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};
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});
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const total_monthly_equiv = subscriptions
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.filter((s) => s.is_active)
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.reduce((sum, s) => sum + s.monthly_equiv, 0);
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return NextResponse.json({ subscriptions, total_monthly_equiv: Math.round(total_monthly_equiv * 100) / 100 });
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}
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