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/routes/projects/money-tracker/+page.server.ts

@@ -127,6 +127,7 @@ export const actions: Actions = {
 		const name = textField(form, 'name', 80);
 		const openingBalanceCents = cents(form.get('openingBalance'));
 		const kind = String(form.get('kind') ?? 'spendable');
+		const includeInTotal = form.get('includeInTotal') === 'on';
 		const colorRaw = String(form.get('color') ?? '').trim();
 		const color = colorRaw ? colorRaw.toLowerCase() : null;
 		if (!name || openingBalanceCents == null || !['spendable', 'investment'].includes(kind))
@@ -137,14 +138,14 @@ export const actions: Actions = {
 			if (id) {
 				const [row] = await db
 					.update(moneyAccounts)
-					.set({ name, openingBalanceCents, kind, color })
+					.set({ name, openingBalanceCents, kind, includeInTotal, color })
 					.where(and(eq(moneyAccounts.id, id), eq(moneyAccounts.userId, user.id)))
 					.returning({ id: moneyAccounts.id });
 				if (!row) error(404, 'Account not found');
 			} else
 				await db
 					.insert(moneyAccounts)
-					.values({ userId: user.id, name, openingBalanceCents, kind, color });
+					.values({ userId: user.id, name, openingBalanceCents, kind, includeInTotal, color });
 		} catch (cause) {
 			if (typeof cause === 'object' && cause && 'code' in cause && cause.code === '23505')
 				return invalid('An account with that name already exists.');

src/routes/projects/money-tracker/+page.svelte

@@ -79,9 +79,13 @@
 	let actualTransactions = $derived(data.transactions.filter((item) => item.date <= data.today));
 	let futureTransactions = $derived(data.transactions.filter((item) => item.date > data.today));
 	let balances = $derived(accountBalances(data.accounts, actualTransactions));
-	let total = $derived([...balances.values()].reduce((sum, value) => sum + value, 0));
+	let totalAccounts = $derived(data.accounts.filter((account) => account.includeInTotal !== false));
+	let totalIds = $derived(new Set(totalAccounts.map((account) => account.id)));
+	let total = $derived(
+		totalAccounts.reduce((sum, account) => sum + (balances.get(account.id) ?? 0), 0)
+	);
 	let invested = $derived(
-		data.accounts
+		totalAccounts
 			.filter((account) => account.kind === 'investment')
 			.reduce((sum, account) => sum + (balances.get(account.id) ?? 0), 0)
 	);
@@ -90,7 +94,9 @@
 	);
 	let monthNet = $derived(
 		actualTransactions
-			.filter((item) => item.date.slice(0, 7) === data.today.slice(0, 7))
+			.filter(
+				(item) => item.date.slice(0, 7) === data.today.slice(0, 7) && totalIds.has(item.accountId)
+			)
 			.reduce((sum, item) => sum + item.amountCents, 0)
 	);
 	let monthlyInsurance = $derived(
@@ -270,7 +276,7 @@
 
 	<section class="stat-strip" aria-label="Summary">
 		<div class="stat net">
-			<p class="eyebrow">Net worth · {data.accounts.length} accounts</p>
+			<p class="eyebrow">Net worth · {totalAccounts.length} accounts</p>
 			<p class="stat-value">{@render signed(total)}</p>
 		</div>
 		<div class="stat">
@@ -388,9 +394,10 @@
 								onclick={() => toggleAccount(account.id)}
 								>{@render swatch(account.id)}<span
 									><strong>{account.name}</strong><small class="capitalize"
-										>{account.kind} · {#if account.bankBalanceAt}bank {amount(
-												account.bankBalanceCents ?? 0
-											)}, {new Date(account.bankBalanceAt).toLocaleDateString('en-GB', {
+										>{account.kind}{#if account.includeInTotal === false}&nbsp;· not in total{/if} · {#if account.bankBalanceAt}bank
+											{amount(account.bankBalanceCents ?? 0)}, {new Date(
+												account.bankBalanceAt
+											).toLocaleDateString('en-GB', {
 												day: 'numeric',
 												month: 'short',
 												hour: '2-digit',
@@ -903,6 +910,10 @@
 							>Investment accounts are included in total wealth but excluded from the cash reserve.</small
 						></label
 					>
+					<label class="field check-field"
+						><Checkbox name="includeInTotal" value="on" checked={active.includeInTotal !== false} /> Count
+						toward total wealth</label
+					>
 					<label class="field"
 						>Color<Input
 							name="color"