const VALID_VISIBILITY = ['default', 'all', 'ranges', 'none']; // Helper function to get default cycle day based on cycle type function getDefaultCycleDay(cycleType) { switch (cycleType) { case 'monthly': return '1'; // 1st of the month case 'weekly': return 'monday'; // Monday case 'biweekly': return 'monday'; // Monday case 'quarterly': return '1'; // 1st of the quarter case 'annual': return '1'; // 1st of the year default: return '1'; } } // Validate cycle_day based on cycle_type function validateCycleDay(cycleType, cycleDay) { if (cycleDay === undefined || cycleDay === null) return { value: getDefaultCycleDay(cycleType) }; const ct = cycleType || 'monthly'; switch (ct) { case 'monthly': { const d = Number(cycleDay); if (!Number.isInteger(d) || d < 1 || d > 31) return { error: 'monthly cycle_day must be 1-31' }; return { value: String(d) }; } case 'weekly': case 'biweekly': { const days = ['monday', 'tuesday', 'wednesday', 'thursday', 'friday', 'saturday', 'sunday']; if (!days.includes(String(cycleDay).toLowerCase())) return { error: 'weekly/biweekly cycle_day must be a valid day name' }; return { value: String(cycleDay).toLowerCase() }; } case 'quarterly': case 'annual': return { value: String(cycleDay).slice(0, 50) }; default: return { value: getDefaultCycleDay(ct) }; } } function parseDueDay(value) { const day = Number(value); if (!Number.isInteger(day) || day < 1 || day > 31) { return { error: 'due_day must be an integer between 1 and 31' }; } return { value: day }; } function parseInterestRate(value) { if (value === undefined) return { value: undefined }; if (value === null) return { value: null }; if (typeof value === 'string' && value.trim() === '') return { value: null }; const rate = Number(value); if (!Number.isFinite(rate) || rate < 0 || rate > 100) { return { error: 'interest_rate must be a number between 0 and 100, or null' }; } return { value: rate }; } function getValidCycleTypes() { return ['monthly', 'weekly', 'biweekly', 'quarterly', 'annual']; } /** * Validates and normalizes bill data for creation/update. * Returns an object with normalized values and any validation errors. */ function validateBillData(data, existingBill = null) { const errors = []; const normalized = {}; const validCycleTypes = getValidCycleTypes(); // name is required if (!data.name) { errors.push({ field: 'name', message: 'name is required' }); } normalized.name = data.name || null; // due_day is required if (data.due_day === undefined || data.due_day === null) { errors.push({ field: 'due_day', message: 'due_day is required' }); } else { const dueResult = parseDueDay(data.due_day); if (dueResult.error) { errors.push({ field: 'due_day', message: dueResult.error }); } else { normalized.due_day = dueResult.value; } } // category_id validation normalized.category_id = data.category_id !== undefined ? (data.category_id || null) : (existingBill?.category_id || null); // override_due_date normalized.override_due_date = data.override_due_date !== undefined ? (data.override_due_date || null) : (existingBill?.override_due_date || null); // expected_amount normalized.expected_amount = data.expected_amount !== undefined ? (parseFloat(data.expected_amount) || 0) : (existingBill?.expected_amount || 0); // interest_rate if (data.interest_rate !== undefined) { const parsedInterest = parseInterestRate(data.interest_rate); if (parsedInterest.error) { errors.push({ field: 'interest_rate', message: parsedInterest.error }); } else { normalized.interest_rate = parsedInterest.value ?? null; } } else { normalized.interest_rate = existingBill?.interest_rate ?? null; } // billing_cycle normalized.billing_cycle = data.billing_cycle !== undefined ? (data.billing_cycle || 'monthly') : (existingBill?.billing_cycle || 'monthly'); // autopay_enabled normalized.autopay_enabled = data.autopay_enabled !== undefined ? (data.autopay_enabled ? 1 : 0) : (existingBill?.autopay_enabled || 0); // autodraft_status normalized.autodraft_status = data.autodraft_status !== undefined ? (data.autodraft_status || 'none') : (existingBill?.autodraft_status || 'none'); // website normalized.website = data.website !== undefined ? (data.website || null) : (existingBill?.website || null); // username normalized.username = data.username !== undefined ? (data.username || null) : (existingBill?.username || null); // account_info normalized.account_info = data.account_info !== undefined ? (data.account_info || null) : (existingBill?.account_info || null); // has_2fa normalized.has_2fa = data.has_2fa !== undefined ? (data.has_2fa ? 1 : 0) : (existingBill?.has_2fa || 0); // notes normalized.notes = data.notes !== undefined ? (data.notes || null) : (existingBill?.notes || null); // active normalized.active = data.active !== undefined ? (data.active ? 1 : 0) : (existingBill?.active || 1); // history_visibility const nextVisibility = data.history_visibility !== undefined ? data.history_visibility : (existingBill?.history_visibility || 'default'); if (!VALID_VISIBILITY.includes(nextVisibility)) { errors.push({ field: 'history_visibility', message: `history_visibility must be one of: ${VALID_VISIBILITY.join(', ')}` }); } normalized.history_visibility = nextVisibility; // cycle_type and cycle_day let nextCycleType = (data.cycle_type !== undefined ? data.cycle_type : existingBill?.cycle_type) || 'monthly'; let nextCycleDay = existingBill?.cycle_day || getDefaultCycleDay(nextCycleType); if (data.cycle_type !== undefined) { if (!validCycleTypes.includes(data.cycle_type)) { errors.push({ field: 'cycle_type', message: `cycle_type must be one of: ${validCycleTypes.join(', ')}` }); } else { nextCycleType = data.cycle_type; } } const cycleDayResult = validateCycleDay(nextCycleType, data.cycle_day !== undefined ? data.cycle_day : nextCycleDay); if (cycleDayResult.error) { errors.push({ field: 'cycle_day', message: cycleDayResult.error }); } else { nextCycleDay = cycleDayResult.value; } normalized.cycle_type = nextCycleType; normalized.cycle_day = nextCycleDay; // Calculate bucket based on due_day normalized.bucket = normalized.due_day <= 14 ? '1st' : '15th'; // current_balance — outstanding debt balance (nullable) if (data.current_balance !== undefined) { if (data.current_balance === null || data.current_balance === '') { normalized.current_balance = null; } else { const cb = parseFloat(data.current_balance); if (!Number.isFinite(cb) || cb < 0) { errors.push({ field: 'current_balance', message: 'current_balance must be a non-negative number' }); } else { normalized.current_balance = cb; } } } else { normalized.current_balance = existingBill?.current_balance ?? null; } // minimum_payment — required minimum payment for debt (nullable) if (data.minimum_payment !== undefined) { if (data.minimum_payment === null || data.minimum_payment === '') { normalized.minimum_payment = null; } else { const mp = parseFloat(data.minimum_payment); if (!Number.isFinite(mp) || mp < 0) { errors.push({ field: 'minimum_payment', message: 'minimum_payment must be a non-negative number' }); } else { normalized.minimum_payment = mp; } } } else { normalized.minimum_payment = existingBill?.minimum_payment ?? null; } // snowball_order — drag position on snowball page (nullable integer) if (data.snowball_order !== undefined) { if (data.snowball_order === null || data.snowball_order === '') { normalized.snowball_order = null; } else { const so = parseInt(data.snowball_order, 10); if (!Number.isInteger(so) || so < 0) { errors.push({ field: 'snowball_order', message: 'snowball_order must be a non-negative integer' }); } else { normalized.snowball_order = so; } } } else { normalized.snowball_order = existingBill?.snowball_order ?? null; } // snowball_include — manual override to force bill onto snowball page normalized.snowball_include = data.snowball_include !== undefined ? (data.snowball_include ? 1 : 0) : (existingBill?.snowball_include ?? 0); return { errors, normalized: { ...normalized, name: normalized.name || null, due_day: normalized.due_day || null, }, }; } /** * Validates cycle_day for a given cycle_type without requiring the full bill data. */ function validateCycleDayOnly(cycleType, cycleDay) { return validateCycleDay(cycleType, cycleDay); } /** * Computes how a payment affects a debt bill's current_balance, accounting for * one month of interest accrual. * * Returns { new_balance, balance_delta } where balance_delta is negative when * the balance was reduced (typical case). Returns null when the bill has no * trackable balance. */ function computeBalanceDelta(bill, paymentAmount) { const bal = Number(bill.current_balance); const rate = Number(bill.interest_rate) || 0; const amt = Number(paymentAmount); if (!Number.isFinite(bal) || bal <= 0) return null; if (!Number.isFinite(amt) || amt <= 0) return null; const monthlyInterest = bal * (rate / 100 / 12); const raw = bal + monthlyInterest - amt; const newBalance = Math.round(Math.max(0, raw) * 100) / 100; const delta = Math.round((newBalance - bal) * 100) / 100; return { new_balance: newBalance, balance_delta: delta }; } module.exports = { VALID_VISIBILITY, getValidCycleTypes, getDefaultCycleDay, validateCycleDay, parseDueDay, parseInterestRate, validateBillData, validateCycleDayOnly, computeBalanceDelta, };