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.

drizzle/20261024021157_money_include_in_total/migration.sql

@@ -0,0 +1 @@
+ALTER TABLE "money"."accounts" ADD COLUMN "include_in_total" boolean DEFAULT true NOT NULL;

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'),

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.kind}{#if account.includeInTotal === false}&nbsp;· not in total{/if} · {#if account.bankBalanceAt}bank
-												account.bankBalanceCents ?? 0
+											{amount(account.bankBalanceCents ?? 0)}, {new Date(
-											)}, {new Date(account.bankBalanceAt).toLocaleDateString('en-GB', {
+												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"