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260 lines
8.0 KiB
TypeScript
260 lines
8.0 KiB
TypeScript
import { describe, expect, it } from 'vitest';
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import {
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accountBalances,
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accountColor,
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balanceSeries,
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forecastSeries,
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utilityEstimate,
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wealthProjection,
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wealthTimeline
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} from './charts';
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describe('money tracker calculations', () => {
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it('keeps balances separate across accounts and preserves transaction order', () => {
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const accounts = [
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{ id: 1, name: 'Cash', openingBalanceCents: 10000 },
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{ id: 2, name: 'Bank', openingBalanceCents: 20000 }
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];
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const transactions = [
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{ accountId: 1, date: '2026-01-01', amountCents: -2500 },
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{ accountId: 2, date: '2026-01-02', amountCents: 5000 },
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{ accountId: 1, date: '2026-01-03', amountCents: 1000 }
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];
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expect([...accountBalances(accounts, transactions).values()]).toEqual([8500, 25000]);
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expect(balanceSeries(accounts, transactions)[0].points.map((point) => point.value)).toEqual([
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7500, 7500, 8500
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]);
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const combined = balanceSeries(accounts, transactions).at(-1)!;
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expect(combined.label).toBe('All accounts');
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expect(combined.emphasis).toBeFalsy();
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expect(combined.points.map((point) => point.value)).toEqual([27500, 32500, 33500]);
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expect(combined.points.at(-1)?.value).toBe(
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[...accountBalances(accounts, transactions).values()].reduce((sum, value) => sum + value, 0)
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);
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});
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it("uses an account's chosen color and falls back to the palette", () => {
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const series = balanceSeries(
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[
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{ id: 1, name: 'Revolut', openingBalanceCents: 0, color: '#000000' },
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{ id: 2, name: 'Knab', openingBalanceCents: 0, color: null }
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],
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[{ accountId: 1, date: '2026-01-01', amountCents: 100 }]
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);
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expect(series[0].color).toBe('#000000');
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expect(series[1].color).toBe(accountColor({ color: null }, 1));
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});
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it('plots combined transactions in date order even if the input is unordered', () => {
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const combined = balanceSeries(
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[{ id: 1, name: 'Cash', openingBalanceCents: 1000 }],
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[
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{ accountId: 1, date: '2026-02-02', amountCents: 200 },
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{ accountId: 1, date: '2026-01-01', amountCents: -100 }
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]
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).at(-1)!;
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expect(combined.points).toEqual([
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{ date: '2026-01-01', value: 900 },
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{ date: '2026-02-02', value: 1100 }
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]);
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});
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it('does not show a temporary loss when money moves between accounts on the same date', () => {
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const combined = balanceSeries(
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[
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{ id: 1, name: 'Daily', openingBalanceCents: 1000 },
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{ id: 2, name: 'Shared', openingBalanceCents: 0 }
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],
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[
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{ accountId: 1, date: '2026-01-01', amountCents: -200 },
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{ accountId: 2, date: '2026-01-01', amountCents: 200 }
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]
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).at(-1)!;
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expect(combined.points).toEqual([{ date: '2026-01-01', value: 1000 }]);
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});
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it('projects only future estimates from the current balance', () => {
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expect(
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forecastSeries(
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10000,
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[
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{ date: '2026-01-01', amountCents: -9999 },
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{ date: '2026-10-01', amountCents: -2500 },
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{ date: '2026-11-01', amountCents: 5000 }
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],
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'2026-09-23'
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)[0].points.map((point) => point.value)
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).toEqual([10000, 7500, 12500]);
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});
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it('keeps the reserve, transfers excess into investments, and adds growth only to invested money', () => {
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const settings = {
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investmentAccountId: 2,
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reserveCents: 100000,
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annualReturnPercent: '5.00',
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contributionMode: 'excess',
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fixedMonthlyCents: 0,
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includeRecurring: 1,
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endDate: '2026-11-30'
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};
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const accounts = [
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{ id: 1, kind: 'spendable', openingBalanceCents: 100000 },
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{ id: 2, kind: 'investment', openingBalanceCents: 0 }
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];
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const series = wealthProjection(
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accounts,
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new Map([
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[1, 100000],
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[2, 0]
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]),
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[{ date: '2026-10-01', accountId: 1, amountCents: -10000 }],
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[{ date: '2026-10-15', accountId: 1, amountCents: 20000 }],
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[{ amountCents: 50000, cadence: 'monthly', accountId: 1 }],
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settings,
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'2026-09-23'
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);
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expect(series[0].points.map((point) => point.value)).toEqual([100000, 100000, 160000, 210244]);
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expect(series[1].points.at(-1)?.value).toBe(100000);
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expect(series[2].points.at(-1)?.value).toBe(110244);
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});
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it('does not add a future dated transaction to today’s starting balance', () => {
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const accounts = [{ id: 1, kind: 'spendable', openingBalanceCents: 10000 }];
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const future = [{ date: '2026-10-01', accountId: 1, amountCents: 5000 }];
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const balances = accountBalances(accounts, []);
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const series = wealthProjection(accounts, balances, future, [], [], null, '2026-09-23');
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expect(series[0].points[0].value).toBe(10000);
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expect(series[0].points.at(-1)?.value).toBe(15000);
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});
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it('invests excess each month without requiring an existing investment account', () => {
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const projection = wealthProjection(
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[{ id: 1, kind: 'spendable', openingBalanceCents: 40054 }],
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new Map([[1, 40054]]),
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[],
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[],
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[{ amountCents: 127137, cadence: 'monthly', accountId: 1 }],
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{
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investmentAccountId: null,
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reserveCents: 100000,
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annualReturnPercent: '5.00',
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contributionMode: 'excess',
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fixedMonthlyCents: 0,
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includeRecurring: 1,
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endDate: '2026-11-30'
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},
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'2026-09-23'
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);
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expect(projection[0].points.map((point) => point.value)).toEqual([
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40054, 40054, 167191, 294602
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]);
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expect(projection[1].points.at(-1)?.value).toBe(100000);
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expect(projection[2].points.at(-1)?.value).toBe(194602);
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});
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it('continues actual history into the projection as one dashed line', () => {
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const accounts = [
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{ id: 1, name: 'Bank', kind: 'spendable', openingBalanceCents: 0 },
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{ id: 2, name: 'Broker', kind: 'investment', openingBalanceCents: 0 }
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];
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const actual = [
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{ accountId: 1, date: '2026-09-01', amountCents: 50000 },
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{ accountId: 2, date: '2026-09-10', amountCents: 20000 }
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];
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const projection = [
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{
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label: 'Total wealth',
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color: '',
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points: [
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{ date: '2026-09-23', value: 70000 },
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{ date: '2026-10-31', value: 90000 }
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]
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},
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{
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label: 'Spendable',
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color: '',
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points: [
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{ date: '2026-09-23', value: 50000 },
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{ date: '2026-10-31', value: 60000 }
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]
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},
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{
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label: 'Invested',
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color: '',
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points: [
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{ date: '2026-09-23', value: 20000 },
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{ date: '2026-10-31', value: 30000 }
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]
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}
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];
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const [total] = wealthTimeline(accounts, actual, projection, '2026-09-23', 'total');
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expect(total.dashedFrom).toBe('2026-09-23');
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expect(total.points).toEqual([
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{ date: '2026-09-01', value: 50000 },
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{ date: '2026-09-10', value: 70000 },
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{ date: '2026-09-23', value: 70000 },
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{ date: '2026-10-31', value: 90000 }
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]);
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const [, spendable, invested] = wealthTimeline(
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accounts,
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actual,
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projection,
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'2026-09-23',
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'split'
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);
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expect(spendable.points.map((point) => point.value)).toEqual([50000, 50000, 50000, 60000]);
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expect(invested.points.map((point) => point.value)).toEqual([0, 20000, 20000, 30000]);
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const byAccount = wealthTimeline(accounts, actual, projection, '2026-09-23', 'accounts');
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expect(byAccount.map((line) => line.label)).toEqual(['Bank', 'Broker', 'Total']);
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expect(byAccount[0].points.at(-1)).toEqual({ date: '2026-09-23', value: 50000 });
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});
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it('starts the timeline at today when there is no history', () => {
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const [total] = wealthTimeline(
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[],
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[],
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[
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{
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label: 'Total wealth',
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color: '',
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points: [
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{ date: '2026-09-23', value: 0 },
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{ date: '2026-10-31', value: 100 }
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]
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}
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],
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'2026-09-23',
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'total'
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);
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expect(total.points.map((point) => point.date)).toEqual(['2026-09-23', '2026-10-31']);
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});
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it('compares estimated usage cost with prorated advances', () => {
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const result = utilityEstimate(
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[
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{ kind: 'gas', date: '2026-01-01', reading: '100' },
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{ kind: 'gas', date: '2026-04-01', reading: '130' }
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],
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'gas',
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'1.2500',
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2000
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);
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expect(result?.usage).toBe(30);
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expect(result?.estimatedCents).toBe(3750);
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expect(result?.advancesCents).toBeGreaterThan(5800);
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expect(
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utilityEstimate(
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[
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{ kind: 'gas', date: '2025-01-01', reading: '0' },
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{ kind: 'gas', date: '2026-01-01', reading: '100' },
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{ kind: 'gas', date: '2026-04-01', reading: '130' }
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],
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'gas',
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'1.2500',
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2000,
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'2026-01-01'
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)?.usage
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).toBe(30);
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});
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});
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