Money tracker: accounts can be left out of total wealth (include_in_total)

Adds money.accounts.include_in_total (default true). Excluded accounts keep their own balance and line, but are left out of net worth, invested, this month, the projection and the total/All accounts lines.

src/lib/money-tracker/charts.test.ts

@@ -280,4 +280,32 @@ describe('history range', () => {
 		]);
 		expect(clipSeries(series, null)).toBe(series);
 	});
+
+	it('leaves accounts with includeInTotal false out of the totals but keeps their own line', () => {
+		const accounts = [
+			{ id: 1, name: 'Bank', kind: 'spendable', openingBalanceCents: 1000 },
+			{ id: 2, name: 'Parents', kind: 'spendable', openingBalanceCents: 0, includeInTotal: false }
+		];
+		const actual = [
+			{ accountId: 2, date: '2019-03-01', amountCents: 1_000_000 },
+			{ accountId: 2, date: '2019-04-01', amountCents: -1_000_000 },
+			{ accountId: 1, date: '2019-04-01', amountCents: 500 }
+		];
+		const series = balanceSeries(accounts, actual);
+		expect(series[1].points.map((point) => point.value)).toEqual([1_000_000, 0]);
+		expect(series.at(-1)!.points.map((point) => point.value)).toEqual([1000, 1500]);
+		const balances = accountBalances(accounts, actual);
+		const future = [
+			{ accountId: 2, date: '2026-10-01', amountCents: 9999 },
+			{ accountId: 1, date: '2026-10-01', amountCents: 100 }
+		];
+		const projection = wealthProjection(accounts, balances, future, [], [], null, '2026-09-23');
+		expect(projection[0].points[0].value).toBe(1500);
+		expect(projection[0].points.at(-1)!.value).toBe(1600);
+		const [, spendable] = wealthTimeline(accounts, actual, projection, '2026-09-23', 'split');
+		expect(spendable.points.slice(0, 2).map((point) => point.value)).toEqual([1000, 1500]);
+		const byAccount = wealthTimeline(accounts, actual, projection, '2026-09-23', 'accounts');
+		expect(byAccount.map((line) => line.label)).toEqual(['Bank', 'Parents', 'Total']);
+		expect(byAccount.at(-1)!.points[0].value).toBe(1000);
+	});
 });

src/lib/money-tracker/charts.ts

@@ -15,10 +15,24 @@ export function accountColor(account: { color?: string | null }, index: number):
 	return account.color || palette[index % palette.length];
 }
 
+/** Accounts kept out of net worth and total wealth (`includeInTotal: false`). */
+export function excludedIds(accounts: { id: number; includeInTotal?: boolean }[]): Set<number> {
+	return new Set(
+		accounts.filter((account) => account.includeInTotal === false).map((account) => account.id)
+	);
+}
+
 export function balanceSeries(
-	accounts: { id: number; name: string; openingBalanceCents: number; color?: string | null }[],
+	accounts: {
+		id: number;
+		name: string;
+		openingBalanceCents: number;
+		color?: string | null;
+		includeInTotal?: boolean;
+	}[],
 	transactions: { accountId: number; date: string; amountCents: number }[]
 ): ChartSeries[] {
+	const excluded = excludedIds(accounts);
 	const ordered = [...transactions].sort((a, b) => a.date.localeCompare(b.date));
 	const balances = new Map(accounts.map((account) => [account.id, account.openingBalanceCents]));
 	const accountPoints = new Map(accounts.map((account) => [account.id, [] as ChartPoint[]]));
@@ -36,7 +50,10 @@ export function balanceSeries(
 			accountPoints.get(account.id)!.push({ date, value: balances.get(account.id)! });
 		combinedPoints.push({
 			date,
-			value: [...balances.values()].reduce((sum, balance) => sum + balance, 0)
+			value: [...balances].reduce(
+				(sum, [id, balance]) => (excluded.has(id) ? sum : sum + balance),
+				0
+			)
 		});
 	}
 	return [
@@ -86,7 +103,12 @@ export function forecastSeries(
 	return [{ label: 'Projected total', color: '#0070f3', points }];
 }
 
-type ProjectionAccount = { id: number; kind: string; openingBalanceCents: number };
+type ProjectionAccount = {
+	id: number;
+	kind: string;
+	openingBalanceCents: number;
+	includeInTotal?: boolean;
+};
 type ProjectionMovement = { date: string; amountCents: number; accountId: number | null };
 type ProjectionRecurring = {
 	amountCents: number;
@@ -114,6 +136,8 @@ export function wealthProjection(
 	settings: ProjectionSettings | null,
 	today: string
 ): ChartSeries[] {
+	const excluded = excludedIds(accounts);
+	const counted = (accountId: number | null) => accountId === null || !excluded.has(accountId);
 	const accountKind = new Map(accounts.map((account) => [account.id, account.kind]));
 	const investmentId = settings?.investmentAccountId ?? null;
 	const validInvestmentId =
@@ -121,6 +145,7 @@ export function wealthProjection(
 	let spendable = 0;
 	let invested = 0;
 	for (const account of accounts) {
+		if (excluded.has(account.id)) continue;
 		const value = balances.get(account.id) ?? 0;
 		if (account.kind === 'investment') invested += value;
 		else spendable += value;
@@ -129,7 +154,9 @@ export function wealthProjection(
 	const totalPoints: ChartPoint[] = [{ date: today, value: spendable + invested }];
 	const spendablePoints: ChartPoint[] = [{ date: today, value: spendable }];
 	const investedPoints: ChartPoint[] = [{ date: today, value: invested }];
-	const movements = [...futureTransactions, ...forecasts].filter((entry) => entry.date > today);
+	const movements = [...futureTransactions, ...forecasts].filter(
+		(entry) => entry.date > today && counted(entry.accountId)
+	);
 	const latestMovement = movements.reduce(
 		(latest, entry) => (entry.date > latest ? entry.date : latest),
 		''
@@ -162,6 +189,7 @@ export function wealthProjection(
 			}
 			if (settings?.includeRecurring !== false && index > 0) {
 				for (const item of recurring) {
+					if (!counted(item.accountId)) continue;
 					if ((item.startsOn && item.startsOn > date) || (item.endsOn && item.endsOn < first))
 						continue;
 					const value = Math.round(monthlyCents(item.amountCents, item.cadence));
@@ -215,6 +243,7 @@ export function wealthTimeline(
 		kind: string;
 		openingBalanceCents: number;
 		color?: string | null;
+		includeInTotal?: boolean;
 	}[],
 	actualTransactions: { accountId: number; date: string; amountCents: number }[],
 	projection: ChartSeries[],
@@ -229,7 +258,7 @@ export function wealthTimeline(
 			date,
 			value: accounts.reduce(
 				(sum, account, accountIndex) =>
-					(account.kind === 'investment') === investment
+					account.includeInTotal !== false && (account.kind === 'investment') === investment
 						? sum + accountLines[accountIndex].points[index].value
 						: sum,
 				0

src/lib/server/db/schema/money-tracker.ts

@@ -24,6 +24,9 @@ export const moneyAccounts = moneySchema.table(
 		name: text('name').notNull(),
 		openingBalanceCents: integer('opening_balance_cents').notNull().default(0),
 		kind: text('kind').notNull().default('spendable'),
+		// False for money tracked but not owned (e.g. a savings account parents controlled):
+		// still listed with its own balance, left out of net worth and the total wealth chart.
+		includeInTotal: boolean('include_in_total').notNull().default(true),
 		color: text('color'),
 		// Household scope: Stan's own money vs. the joint account with Juhee.
 		scope: text('scope').notNull().default('personal'),