from flask import Flask, render_template, request, redirect, url_for, jsonify, session
import json
import os
import pdfplumber
import re
from datetime import datetime, date
import calendar as cal_module
from storage import load_json, save_json
from settings import load_settings, save_settings, SECRET_KEYS
import txns_db
from version import __version__ as APP_VERSION, CHANGELOG
from categories import CATEGORIES, CATEGORY_COLORS
from bills import load_bills, save_bills, bills_for_month, calendar_grid, get_week_num
from sinking import (load_funds, save_funds, FUND_COLORS, monthly_needed,
                     months_until, DEFAULT_FUNDS)
from mortgage import (load_mortgage, save_mortgage, monthly_payment,
                      amortization_schedule, biweekly_schedule,
                      current_balance_estimate)
from assets import (load_assets, save_assets, car_display_name,
                    total_spent, flip_profit, flip_total_invested,
                    ASSET_CATEGORIES)
from debts import (load_debts, save_debts, load_debt_log, save_debt_log,
                   DEBT_CATEGORIES, OWNER_COLORS, month_key as debt_month_key,
                   monthly_interest, payoff_months, compute_ending_balance,
                   update_debt_month, get_debt_month, bnpl_payoff_date,
                   simulate_payoff)
from income import (load_income_log, save_income_log, income_by_month,
                    income_ytd, log_income_entry, delete_income_entry,
                    INCOME_STREAMS, OWNER_COLORS as INCOME_OWNER_COLORS,
                    month_key as income_month_key)

app = Flask(__name__)
app.secret_key = os.environ.get("SECRET_KEY", "fullmoonbakehouse")

from suggestions.routes_flask import suggestions_bp
app.register_blueprint(suggestions_bp)

from flask import send_from_directory

@app.route("/uploads/<path:p>")
def _uploads(p):
    return send_from_directory("/data/uploads", p)

import re as _re
from markupsafe import Markup

@app.template_filter('bold_md')
def bold_md(text):
    """Convert **text** markdown to <strong>text</strong>."""
    result = _re.sub(r'\*\*(.+?)\*\*', r'<strong>\1</strong>', text)
    return Markup(result)

@app.template_filter('money')
def money_filter(value):
    """Format a number as $1,234.56"""
    try:
        return "{:,.2f}".format(float(value))
    except (TypeError, ValueError):
        return "0.00"

TAX_FILE = os.path.join(os.environ.get("DATA_DIR", os.path.join(os.path.dirname(__file__), "data")), "taxes.json")

def load_taxes():
    return load_json(TAX_FILE, {"rates": {"se_tax": 15.3, "federal": 22.0, "wi_state": 5.3}, "set_aside": []})

def save_taxes(data):
    save_json(TAX_FILE, data)

STANDARD_DEDUCTION_MFJ = 30000  # 2025 married filing jointly

def month_status_summary(total_income, total_spending, budgeted_by_cat, spending_by_cat, bills_to_date, total_bills, today, year, month):
    """Generate a plain-English summary of how the month is going."""
    import calendar as _cal
    _, days_in_month = _cal.monthrange(year, month)
    day = today.day if (today.year == year and today.month == month) else days_in_month
    pct_through = day / days_in_month

    lines = []

    # Income check
    if total_income == 0:
        lines.append("No income logged yet this month.")
    else:
        lines.append(f"You've brought in **${total_income:,.2f}** so far this month.")

    # Spending vs budget
    total_budgeted = sum(budgeted_by_cat.values())
    if total_budgeted > 0 and total_spending > 0:
        spend_pct = total_spending / total_budgeted * 100
        if spend_pct < 60:
            lines.append(f"Spending is looking good — you've used **{spend_pct:.0f}%** of your category budgets.")
        elif spend_pct < 90:
            lines.append(f"Spending is on track at **{spend_pct:.0f}%** of budgeted categories.")
        else:
            over_cats = [c for c in spending_by_cat if budgeted_by_cat.get(c, 0) > 0 and spending_by_cat[c] > budgeted_by_cat[c]]
            if over_cats:
                lines.append(f"Heads up — you're over budget in **{', '.join(over_cats)}**.")
            else:
                lines.append(f"You've used **{spend_pct:.0f}%** of your category budgets — keep an eye on spending.")

    # Bills
    if bills_to_date:
        lines.append(f"**{len(bills_to_date)}** bill{'s' if len(bills_to_date) != 1 else ''} due so far this month totaling **${total_bills:,.2f}**.")

    # Overall
    net = total_income - total_spending - total_bills
    if total_income > 0:
        if net > 0:
            lines.append(f"Overall you're **${net:,.2f} ahead** right now.")
        elif net < 0:
            lines.append(f"Overall you're **${abs(net):,.2f} in the hole** right now — check what's pulling spending up.")

    return lines

def week_status_summary(w):
    """Generate a plain-English summary for a single week."""
    lines = []
    income = w.get("income_total", 0)
    spending = w.get("spending_total", 0)
    leftover = w.get("leftover", 0)
    budgeted = sum(float(v.get("budgeted", 0) or 0) for v in w.get("cat_budget", {}).values())
    actuals = w.get("cat_actuals", {})
    over_cats = [c for c, amt in actuals.items() if w["cat_budget"].get(c, {}).get("budgeted") and amt > float(w["cat_budget"][c].get("budgeted", 0))]

    if income == 0:
        lines.append("No income logged for this week yet.")
    else:
        lines.append(f"**${income:,.2f}** income received this week.")

    if spending > 0 and budgeted > 0:
        pct = spending / budgeted * 100
        if pct < 70:
            lines.append(f"Spending is under control at **{pct:.0f}%** of budget.")
        elif pct < 100:
            lines.append(f"Spending is at **{pct:.0f}%** of budget — getting close.")
        else:
            lines.append(f"You've gone over budget this week.")

    if over_cats:
        lines.append(f"Over in: **{', '.join(over_cats)}**.")

    if leftover > 0:
        lines.append(f"**${leftover:,.2f}** left over.")
    elif leftover < 0:
        lines.append(f"You're **${abs(leftover):,.2f} short** this week.")

    return lines

def compute_tax_estimate(gross_income, rates, se_income=None):
    """Break down estimated taxes, married filing jointly.
    se_income: portion subject to self-employment tax (defaults to all income).
    W-2 income = gross_income - se_income, taxed normally but no SE tax.
    """
    if se_income is None:
        se_income = gross_income
    # SE tax is on 92.35% of net self-employment earnings (IRS rule)
    se_tax = round(se_income * 0.9235 * (rates["se_tax"] / 100), 2)
    # Deduct half of SE tax, then standard deduction, before income tax
    taxable = max(gross_income - (se_tax / 2) - STANDARD_DEDUCTION_MFJ, 0)
    federal = round(taxable * (rates["federal"] / 100), 2)
    wi = round(taxable * (rates["wi_state"] / 100), 2)
    total = round(se_tax + federal + wi, 2)
    effective_rate = round((total / gross_income * 100), 1) if gross_income else 0
    return {"se_tax": se_tax, "federal": federal, "wi_state": wi, "total": total, "effective_rate": effective_rate}

@app.context_processor
def inject_unreviewed_count():
    # Fast COUNT query instead of parsing the whole transaction store per request.
    return dict(unreviewed_count=txns_db.count_unreviewed())


@app.context_processor
def inject_version():
    return dict(app_version=APP_VERSION)

DATA_DIR = os.environ.get("DATA_DIR", os.path.join(os.path.dirname(__file__), "data"))
TRANSACTIONS_FILE = os.path.join(DATA_DIR, "transactions.json")
RULES_FILE = os.path.join(DATA_DIR, "rules.json")
BUDGET_FILE = os.path.join(DATA_DIR, "budget.json")
NET_WORTH_FILE = os.path.join(DATA_DIR, "net_worth_accounts.json")

# Transactions live in SQLite (self-contained, on the volume). On first run this
# imports any existing transactions.json; it's a no-op once the DB has rows.
txns_db.init_db()
_migrated = txns_db.migrate_from_json(TRANSACTIONS_FILE)
if _migrated:
    print(f"[startup] migrated {_migrated} transactions from JSON -> SQLite")


def load_nw_accounts():
    return load_json(NET_WORTH_FILE, [])


def save_nw_accounts(accounts):
    save_json(NET_WORTH_FILE, accounts)


def get_transactions():
    return txns_db.get_transactions()


def save_transactions(transactions):
    txns_db.save_transactions(transactions)


def get_rules():
    return load_json(RULES_FILE, {})


def save_rules(rules):
    save_json(RULES_FILE, rules)


def get_budget():
    return load_json(BUDGET_FILE, {})


def save_budget(budget):
    save_json(BUDGET_FILE, budget)


def transaction_category_amounts(t):
    """Returns list of (category, subcategory, amount) for a transaction, respecting splits."""
    if t.get("splits"):
        return [(s["category"], s.get("subcategory",""), float(s["amount"])) for s in t["splits"]]
    return [(t.get("category"), t.get("subcategory",""), float(t.get("amount", 0)))]


def auto_categorize(description, rules):
    desc_upper = description.upper()
    for keyword, category_info in rules.items():
        if keyword.upper() in desc_upper:
            return category_info
    return None


def parse_pdf_transactions(filepath):
    transactions = []
    with pdfplumber.open(filepath) as pdf:
        full_text = ""
        for page in pdf.pages:
            text = page.extract_text()
            if text:
                full_text += text + "\n"

    lines = full_text.split("\n")
    date_pattern = re.compile(r"(\d{1,2}/\d{1,2}(?:/\d{2,4})?)")

    for line in lines:
        line = line.strip()
        if not line:
            continue
        date_match = date_pattern.search(line)
        if not date_match:
            continue
        amount_match = re.search(r"\$?([\d,]+\.\d{2})", line)
        if not amount_match:
            continue
        date_str = date_match.group(1)
        amount_str = amount_match.group(1).replace(",", "")
        date_pos = date_match.start()
        amount_pos = amount_match.start()
        description = line[date_pos + len(date_match.group(0)):amount_pos].strip()
        description = re.sub(r"\s+", " ", description).strip()
        if not description:
            description = line[:date_pos].strip() or "Unknown"

        try:
            amount = float(amount_str)
        except ValueError:
            continue

        if amount == 0:
            continue

        transactions.append({
            "id": f"{date_str}_{description[:20]}_{amount}".replace(" ", "_"),
            "date": date_str,
            "description": description,
            "amount": amount,
            "category": None,
            "subcategory": None,
            "account": "",
            "notes": "",
            "splits": [],
            "reviewed": False,
        })

    return transactions


@app.route("/")
def index():
    today = date.today()
    year = today.year
    month = today.month
    mk = month_key(year, month)

    # Unreviewed transactions
    all_txns = get_transactions()
    unreviewed_count = sum(1 for t in all_txns if not t.get("reviewed"))
    recent = sorted(
        [t for t in all_txns if t.get("reviewed")],
        key=lambda t: t.get("date", ""),
        reverse=True
    )[:8]

    # Income
    from dateutil import parser as date_parser
    log = load_income_log()
    month_income_entries = [e for e in log if e.get("month") == mk]
    income_by_stream = {}
    for e in month_income_entries:
        s = e["stream"]
        income_by_stream[s] = round(income_by_stream.get(s, 0) + float(e.get("amount", 0)), 2)
    total_income = sum(income_by_stream.values())
    ytd_by_stream, _ = income_ytd(year)
    income_ytd_total = sum(ytd_by_stream.values())

    # Use Friday-to-Friday week ranges to define the month's budget window
    ranges = week_ranges(year, month)
    budget_start = ranges[0][0]
    budget_end = ranges[-1][1]

    # Spending from categorized transactions within budget window
    skip_cats = {"Income", "Debt", "Transfer"}
    spending_by_cat = {}
    for t in all_txns:
        if not t.get("reviewed") or not t.get("category") or t.get("ignored"):
            continue
        try:
            d = date_parser.parse(t["date"]).date()
        except Exception:
            continue
        if budget_start <= d <= budget_end:
            for cat, subcat, amt in transaction_category_amounts(t):
                if cat and cat not in skip_cats:
                    spending_by_cat[cat] = round(spending_by_cat.get(cat, 0) + amt, 2)
    total_spending = sum(spending_by_cat.values())

    # Bills — only count bills due up to today
    monthly_bills = bills_for_month(year, month)
    bills_to_date = [b for b in monthly_bills if b.get("due_date") and b["due_date"] <= today]
    total_bills = sum(float(b.get("amount") or 0) for b in bills_to_date)

    # Sinking contributions this month
    all_weekly = get_weekly()
    month_weekly = all_weekly.get(mk, {})
    sinking_contributions = {}
    for wk_data in month_weekly.values():
        for fund_name, info in wk_data.get("sinking", {}).items():
            amt = float(info.get("contributed") or 0)
            sinking_contributions[fund_name] = round(sinking_contributions.get(fund_name, 0) + amt, 2)
    total_sinking = sum(sinking_contributions.values())

    # Budgeted amounts — only sum weeks that have already started (start date <= today)
    budgeted_by_cat = {}
    for i, (wk_start, wk_end) in enumerate(ranges, 1):
        if wk_start > today:
            break
        wk_data = month_weekly.get(str(i), {})
        for cat, info in wk_data.get("categories", {}).items():
            b = float(info.get("budgeted") or 0)
            budgeted_by_cat[cat] = round(budgeted_by_cat.get(cat, 0) + b, 2)

    total_out = total_spending + total_bills + total_sinking
    net = round(total_income - total_out, 2)

    # Cash accounts for overview
    cash_accounts = load_nw_accounts()
    total_cash = sum(float(a.get("balance") or 0) for a in cash_accounts)

    # Plain-English summary
    month_summary = month_status_summary(total_income, total_spending, budgeted_by_cat, spending_by_cat, bills_to_date, total_bills, today, year, month)

    # Tax estimate for overview widget
    tax_data = load_taxes()
    tax_rates = tax_data.get("rates", {"se_tax": 15.3, "federal": 22.0, "wi_state": 5.3})
    ytd_by_stream_all, _ = income_ytd(year)
    ytd_total_all = sum(ytd_by_stream_all.values())
    ytd_se_all = sum(v for s, v in ytd_by_stream_all.items() if s != "Auto King")
    tax_estimate = compute_tax_estimate(ytd_total_all, tax_rates, se_income=ytd_se_all)
    all_funds = load_funds()
    tax_fund = next((f for f in all_funds if f["name"] == "Taxes"), None)
    tax_set_aside = round(float(tax_fund["balance"]) if tax_fund else 0, 2)
    tax_still_needed = round(max(tax_estimate["total"] - tax_set_aside, 0), 2)

    return render_template("index.html",
        today=today,
        year=year,
        month=month,
        month_name=cal_module.month_name[month],
        unreviewed_count=unreviewed_count,
        recent=recent,
        total_income=total_income,
        income_by_stream=income_by_stream,
        income_streams=INCOME_STREAMS,
        income_ytd_total=income_ytd_total,
        total_spending=total_spending,
        spending_by_cat=spending_by_cat,
        budgeted_by_cat=budgeted_by_cat,
        total_bills=total_bills,
        monthly_bills=bills_to_date,
        total_sinking=total_sinking,
        sinking_contributions=sinking_contributions,
        total_out=total_out,
        net=net,
        tax_estimate=tax_estimate,
        tax_set_aside=tax_set_aside,
        tax_still_needed=tax_still_needed,
        month_summary=month_summary,
        cash_accounts=cash_accounts,
        total_cash=total_cash,
        colors=CATEGORY_COLORS,
        categories=CATEGORIES,
        owner_colors=INCOME_OWNER_COLORS,
    )


@app.route("/import", methods=["GET", "POST"])
def import_transactions():
    from flask import flash
    if request.method == "POST":
        file = request.files.get("statement")
        account = request.form.get("account", "")
        if not file or not file.filename:
            flash("No file selected.", "error")
            return redirect("/transactions")

        filename = file.filename.lower()
        upload_path = os.path.join(DATA_DIR, file.filename)
        file.save(upload_path)

        if filename.endswith(".pdf"):
            new_txns = parse_pdf_transactions(upload_path)
        elif filename.endswith(".csv"):
            new_txns = parse_csv_transactions(upload_path)
        else:
            flash("Please upload a PDF or CSV file.", "error")
            return redirect("/transactions")

        for t in new_txns:
            t["account"] = account

        rules = get_rules()
        for t in new_txns:
            match = auto_categorize(t["description"], rules)
            if match:
                t["category"] = match.get("category")
                t["subcategory"] = match.get("subcategory")

        existing = get_transactions()
        existing_ids = {t["id"] for t in existing}
        added = 0
        for t in new_txns:
            if t["id"] not in existing_ids:
                existing.append(t)
                added += 1

        save_transactions(existing)
        flash(f"Imported {added} new transactions from {file.filename}.", "success")
        redirect_to = request.form.get("redirect_to", "")
        if redirect_to == "weekly":
            return redirect(url_for("weekly_overview"))
        return redirect("/transactions")

    return render_template("import.html", message=None)


def parse_csv_transactions(filepath):
    import csv
    transactions = []
    with open(filepath, newline="", encoding="utf-8-sig") as f:
        # Peek at first line to detect WestConsin format (starts with "Account Name")
        first_line = f.readline()
        f.seek(0)
        is_westconsin = first_line.startswith("Account Name")

        if is_westconsin:
            # Skip the 3 metadata rows, then read with DictReader
            for _ in range(3):
                f.readline()
            reader = csv.DictReader(f)
            for row in reader:
                date_val = row.get("Date", "").strip()
                # Memo has the real merchant name; fall back to Description
                memo = row.get("Memo", "").strip()
                desc_val = row.get("Description", "").strip()
                # Pull the merchant name from the memo (everything before the 4-digit MCC code)
                import re
                merchant_match = re.match(r"^(.+?)\s+\d{4}\s+", memo)
                description = merchant_match.group(1).strip() if merchant_match else (memo or desc_val)

                debit = row.get("Amount Debit", "").strip()
                credit = row.get("Amount Credit", "").strip()
                # Debits are negative in the file; credits are positive
                try:
                    if debit:
                        amount = abs(float(debit))
                        txn_type = "debit"
                    elif credit:
                        amount = float(credit)
                        txn_type = "credit"
                    else:
                        continue
                except ValueError:
                    continue
                if amount == 0:
                    continue
                txn_id = row.get("Transaction Number", "").strip() or \
                    f"{date_val}_{description[:20]}_{amount}".replace(" ", "_")
                transactions.append({
                    "id": txn_id,
                    "date": date_val,
                    "description": description,
                    "amount": amount,
                    "txn_type": txn_type,
                    "category": None,
                    "subcategory": None,
                    "account": "",
                    "notes": "",
                    "splits": [],
                    "reviewed": False,
                })
        else:
            reader = csv.DictReader(f)
            for row in reader:
                date_val = row.get("Date") or row.get("date") or row.get("Transaction Date") or ""
                desc_val = row.get("Description") or row.get("description") or row.get("Merchant") or row.get("Name") or ""
                amount_val = row.get("Amount") or row.get("amount") or row.get("Debit") or ""
                amount_str = str(amount_val).replace("$", "").replace(",", "").strip().lstrip("-")
                try:
                    amount = float(amount_str)
                except ValueError:
                    continue
                if amount == 0:
                    continue
                transactions.append({
                    "id": f"{date_val}_{desc_val[:20]}_{amount}".replace(" ", "_"),
                    "date": date_val,
                    "description": desc_val,
                    "amount": amount,
                    "category": None,
                    "subcategory": None,
                    "account": "",
                    "notes": "",
                    "splits": [],
                    "reviewed": False,
                })
    return transactions


@app.route("/review")
def review():
    transactions = get_transactions()
    unreviewed = [t for t in transactions if not t.get("reviewed")]
    if not unreviewed:
        return render_template("review.html", transaction=None, categories=CATEGORIES, colors=CATEGORY_COLORS)
    current = unreviewed[0]
    rules = get_rules()
    suggestion = auto_categorize(current["description"], rules)
    assets = load_assets()
    personal_cars = [
        {**c, "display_name": car_display_name(c)}
        for c in assets.get("personal", [])
    ]

    # Detect BNPL transactions and find matching loans
    BNPL_KEYWORDS = ["klarna", "afterpay", "affirm", "sezzle", "zip", "paidy"]
    desc_lower = current["description"].lower()
    bnpl_lender = next((k for k in BNPL_KEYWORDS if k in desc_lower), None)
    bnpl_matches = []
    if bnpl_lender:
        all_debts = load_debts()
        for d in all_debts:
            if not d.get("is_bnpl") or not d.get("active", True):
                continue
            provider = d.get("bnpl_provider", "").lower()
            if bnpl_lender in provider or provider in bnpl_lender:
                amt = float(d.get("payment_amount") or 0)
                txn_amt = float(current.get("amount") or 0)
                bnpl_matches.append({
                    "id": d["id"],
                    "name": d["name"],
                    "payment_amount": amt,
                    "amount_match": abs(amt - txn_amt) < 0.02,
                    "payments_made": d.get("payments_made", 0),
                    "total_payments": d.get("total_payments", 0),
                })
        # Sort exact amount matches to top
        bnpl_matches.sort(key=lambda x: (not x["amount_match"], x["name"]))

    sinking_funds = load_funds()

    return render_template("review.html",
        transaction=current,
        suggestion=suggestion,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
        remaining=len(unreviewed),
        personal_cars=personal_cars,
        bnpl_lender=bnpl_lender,
        bnpl_matches=bnpl_matches,
        sinking_funds=sinking_funds,
    )


@app.route("/categorize", methods=["POST"])
def categorize():
    txn_id = request.form.get("id")
    category = request.form.get("category")
    subcategory = request.form.get("subcategory", "")
    notes = request.form.get("notes", "")
    remember = request.form.get("remember") == "on"

    car_id = request.form.get("car_id", "")

    transactions = get_transactions()
    txn = None
    for t in transactions:
        if t["id"] == txn_id:
            t["category"] = category
            t["subcategory"] = subcategory
            t["notes"] = notes
            t["reviewed"] = True
            if car_id:
                t["car_id"] = car_id
            if remember and t["description"]:
                rules = get_rules()
                keyword = t["description"].split()[0] if t["description"] else t["description"]
                rules[keyword] = {"category": category, "subcategory": subcategory}
                save_rules(rules)
            txn = t
            break

    save_transactions(transactions)

    # Auto-contribute to sinking fund when categorized as Transfer > Sinking Fund
    if category == "Transfer" and subcategory == "Sinking Fund" and txn:
        fund_name = request.form.get("sinking_fund_name", "").strip()
        if fund_name:
            funds = load_funds()
            today_str = txn.get("date", str(date.today()))
            for f in funds:
                if f["name"] == fund_name:
                    f["balance"] = round(float(f.get("balance", 0)) + float(txn.get("amount", 0)), 2)
                    break
            save_funds(funds)

    # Auto-log gas to car profile
    if car_id and category == "Car" and subcategory == "Gas" and txn:
        import uuid
        assets = load_assets()
        for car in assets.get("personal", []):
            if car["id"] == car_id:
                car.setdefault("gas_log", []).append({
                    "id": str(uuid.uuid4()),
                    "date": txn.get("date", ""),
                    "amount": txn.get("amount", 0),
                    "notes": f"Auto-logged from: {txn.get('description', '')}",
                    "gallons": "",
                })
                break
        save_assets(assets)

    return redirect(url_for("review"))


@app.route("/split", methods=["POST"])
def split_transaction():
    txn_id = request.form.get("id")
    transactions = get_transactions()
    txn = next((t for t in transactions if t["id"] == txn_id), None)
    if not txn:
        return redirect(url_for("review"))

    splits = []
    i = 0
    while True:
        cat = request.form.get(f"split_cat_{i}")
        if cat is None:
            break
        amt = request.form.get(f"split_amt_{i}", "")
        subcat = request.form.get(f"split_subcat_{i}", "")
        note = request.form.get(f"split_note_{i}", "")
        try:
            amount = float(amt)
        except ValueError:
            i += 1
            continue
        if amount > 0 and cat:
            splits.append({"category": cat, "subcategory": subcat, "amount": amount, "note": note})
        i += 1

    redirect_to = request.form.get("redirect", "review")

    if splits:
        txn["splits"] = splits
        txn["category"] = splits[0]["category"]
        txn["subcategory"] = splits[0].get("subcategory", "")
        txn["reviewed"] = True

    save_transactions(transactions)
    if redirect_to == "transactions":
        return redirect("/transactions")
    return redirect(url_for("review"))


@app.route("/skip", methods=["POST"])
def skip():
    txn_id = request.form.get("id")
    transactions = get_transactions()
    for t in transactions:
        if t["id"] == txn_id:
            t["reviewed"] = True
            break
    save_transactions(transactions)
    return redirect(url_for("review"))


@app.route("/bulk-ignore-before", methods=["POST"])
def bulk_ignore_before():
    from dateutil import parser as date_parser
    before_date_str = request.form.get("before_date")
    try:
        before_date = date_parser.parse(before_date_str).date()
    except Exception:
        return redirect(url_for("review"))
    transactions = get_transactions()
    count = 0
    for t in transactions:
        if t.get("reviewed"):
            continue
        try:
            d = date_parser.parse(t["date"]).date()
        except Exception:
            continue
        if d < before_date:
            t["reviewed"] = True
            t["ignored"] = True
            t["category"] = "Ignored"
            count += 1
    save_transactions(transactions)
    return redirect(url_for("review"))


@app.route("/ignore", methods=["POST"])
def ignore_transaction():
    txn_id = request.form.get("id")
    label = request.form.get("label", "Ignored")
    redirect_to = request.form.get("redirect", "review")
    transactions = get_transactions()
    for t in transactions:
        if t["id"] == txn_id:
            t["reviewed"] = True
            t["ignored"] = True
            t["category"] = label
            break
    save_transactions(transactions)
    if redirect_to == "transactions":
        return redirect("/transactions")
    return redirect(url_for("review"))


@app.route("/transactions")
def transactions_view():
    from dateutil import parser as date_parser
    today = date.today()
    year = today.year
    month = today.month
    mk = month_key(year, month)

    transactions = get_transactions()
    reviewed = sorted(
        [t for t in transactions if t.get("reviewed")],
        key=lambda t: t.get("date", ""),
        reverse=True,
    )

    # Find current week range
    skip_cats = {"Income", "Debt", "Transfer"}
    ranges = week_ranges(year, month)
    current_week_num = 1
    week_start = ranges[0][0]
    week_end = ranges[0][1]
    for i, (s, e) in enumerate(ranges, 1):
        if s <= today <= e:
            current_week_num = i
            week_start = s
            week_end = e
            break

    # Spending just for this week
    spending_by_cat = {}
    for t in transactions:
        if not t.get("reviewed") or not t.get("category") or t.get("ignored"):
            continue
        try:
            d = date_parser.parse(t["date"]).date()
        except Exception:
            continue
        if week_start <= d <= week_end:
            for cat, subcat, amt in transaction_category_amounts(t):
                if cat and cat not in skip_cats:
                    spending_by_cat[cat] = round(spending_by_cat.get(cat, 0) + amt, 2)

    # Budget for this week only
    all_weekly = get_weekly()
    month_weekly = all_weekly.get(mk, {})
    wk_data = month_weekly.get(str(current_week_num), {})
    budgeted_by_cat = {}
    for cat, info in wk_data.get("categories", {}).items():
        b = float(info.get("budgeted") or 0)
        if b:
            budgeted_by_cat[cat] = b

    spending_by_cat = dict(sorted(spending_by_cat.items(), key=lambda x: x[1], reverse=True))
    week_label = f"Week {current_week_num} ({week_start.strftime('%b %-d')} – {week_end.strftime('%b %-d')})"

    # Optional filters from query string
    filter_from = request.args.get("from_date", "")
    filter_to = request.args.get("to_date", "")
    filter_cat = request.args.get("category", "")
    filter_search = request.args.get("search", "").strip()

    if filter_from:
        try:
            from_d = date_parser.parse(filter_from).date()
            reviewed = [t for t in reviewed if date_parser.parse(t["date"]).date() >= from_d]
        except Exception:
            pass
    if filter_to:
        try:
            to_d = date_parser.parse(filter_to).date()
            reviewed = [t for t in reviewed if date_parser.parse(t["date"]).date() <= to_d]
        except Exception:
            pass
    if filter_cat:
        reviewed = [t for t in reviewed if t.get("category") == filter_cat]
    if filter_search:
        q = filter_search.lower()
        reviewed = [t for t in reviewed if
            q in t.get("description", "").lower() or
            q in t.get("notes", "").lower()]

    import calendar as cal_mod
    return render_template("transactions.html",
        transactions=reviewed,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
        filter_from=filter_from,
        filter_to=filter_to,
        filter_cat=filter_cat,
        filter_search=filter_search,
        spending_by_cat=spending_by_cat,
        budgeted_by_cat=budgeted_by_cat,
        week_label=week_label,
        month_name=cal_mod.month_name[month],
        year=year, month=month,
    )


@app.route("/edit/<txn_id>", methods=["GET", "POST"])
def edit_transaction(txn_id):
    transactions = get_transactions()
    txn = next((t for t in transactions if t["id"] == txn_id), None)
    if not txn:
        return redirect("/transactions")

    if request.method == "POST":
        txn["category"] = request.form.get("category")
        txn["subcategory"] = request.form.get("subcategory", "")
        txn["notes"] = request.form.get("notes", "")
        # Clear ignored flag when manually re-categorized
        txn.pop("ignored", None)
        save_transactions(transactions)
        return redirect("/transactions")

    return render_template("edit.html", transaction=txn, categories=CATEGORIES, colors=CATEGORY_COLORS, sinking_funds=load_funds())


@app.route("/summary")
def summary():
    transactions = get_transactions()
    reviewed = [t for t in transactions if t.get("reviewed") and t.get("category")]

    by_category = {}
    for t in reviewed:
        cat = t["category"]
        subcat = t.get("subcategory") or "General"
        if cat not in by_category:
            by_category[cat] = {"total": 0, "subcategories": {}}
        by_category[cat]["total"] += t["amount"]
        by_category[cat]["subcategories"][subcat] = by_category[cat]["subcategories"].get(subcat, 0) + t["amount"]

    # Sort by total descending
    by_category = dict(sorted(by_category.items(), key=lambda x: x[1]["total"], reverse=True))
    for cat in by_category:
        by_category[cat]["subcategories"] = dict(
            sorted(by_category[cat]["subcategories"].items(), key=lambda x: x[1], reverse=True)
        )

    return render_template("summary.html",
        by_category=by_category,
        colors=CATEGORY_COLORS,
        categories=CATEGORIES,
    )


WEEKLY_FILE = os.path.join(DATA_DIR, "weekly.json")


def get_weekly():
    return load_json(WEEKLY_FILE, {})


def save_weekly(data):
    save_json(WEEKLY_FILE, data)


def month_key(year, month):
    return f"{year}-{month:02d}"


def week_ranges(year, month):
    from datetime import date, timedelta
    # Find the Friday on or before the 1st of the month
    first = date(year, month, 1)
    days_since_friday = (first.weekday() - 4) % 7  # 4 = Friday
    start = first - timedelta(days=days_since_friday)

    # Build Friday-to-Thursday weeks until we've passed the end of the month
    import calendar as _cal
    _, num_days = _cal.monthrange(year, month)
    month_end = date(year, month, num_days)

    weeks = []
    while start <= month_end:
        end = start + timedelta(days=6)
        weeks.append((start, end))
        start = start + timedelta(days=7)

    return weeks


@app.route("/calendar")
@app.route("/calendar/<int:year>/<int:month>")
def bill_calendar(year=None, month=None):
    today = date.today()
    year = year or today.year
    month = month or today.month

    grid = calendar_grid(year, month)
    monthly_bills = bills_for_month(year, month)

    bills_by_day = {}
    for b in monthly_bills:
        d = b["due_day"]
        bills_by_day.setdefault(d, []).append(b)

    prev_month = month - 1 or 12
    prev_year = year if month > 1 else year - 1
    next_month = month % 12 + 1
    next_year = year if month < 12 else year + 1

    month_name = cal_module.month_name[month]

    return render_template("calendar.html",
        grid=grid,
        bills_by_day=bills_by_day,
        year=year,
        month=month,
        month_name=month_name,
        prev_year=prev_year,
        prev_month=prev_month,
        next_year=next_year,
        next_month=next_month,
        colors=CATEGORY_COLORS,
        categories=CATEGORIES,
        today=today,
    )


@app.route("/bills")
def bills_list():
    all_bills = load_bills()
    # Only show recurring bills (have due_day), not BNPL payment entries
    bills = [b for b in all_bills if "due_day" in b]
    return render_template("bills.html",
        bills=bills,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
    )


@app.route("/bills/add", methods=["POST"])
def bill_add():
    bills = load_bills()
    import uuid
    bill = {
        "id": str(uuid.uuid4()),
        "name": request.form.get("name", "").strip(),
        "amount": float(request.form.get("amount") or 0),
        "due_day": int(request.form.get("due_day") or 1),
        "category": request.form.get("category", ""),
        "subcategory": request.form.get("subcategory", ""),
        "active": True,
        "autopay": request.form.get("autopay") == "on",
        "remind": request.form.get("autopay") != "on",
        "notes": request.form.get("notes", ""),
    }
    bills.append(bill)
    save_bills(bills)
    return redirect(url_for("bills_list"))


@app.route("/bills/toggle/<bill_id>/<field>", methods=["POST"])
def bill_toggle(bill_id, field):
    if field not in ("autopay", "remind"):
        return jsonify({"ok": False}), 400
    bills = load_bills()
    for b in bills:
        if b["id"] == bill_id:
            b[field] = not b.get(field, False)
            if field == "autopay":
                b["remind"] = not b["autopay"]
    save_bills(bills)
    return jsonify({"ok": True})


@app.route("/reminders/run", methods=["POST"])
def run_reminders():
    from reminders import check_and_send_reminders
    try:
        results = check_and_send_reminders()
        msg = "Reminders sent: " + ", ".join(results) if results else "No reminders due today."
    except Exception as e:
        msg = f"Error: {e}"
    return jsonify({"message": msg})


@app.route("/bills/delete/<bill_id>", methods=["POST"])
def bill_delete(bill_id):
    bills = [b for b in load_bills() if b["id"] != bill_id]
    save_bills(bills)
    return redirect(url_for("bills_list"))


@app.route("/bills/edit/<bill_id>", methods=["POST"])
def bill_edit(bill_id):
    bills = load_bills()
    for b in bills:
        if b["id"] == bill_id:
            b["name"] = request.form.get("name", b["name"]).strip()
            b["amount"] = float(request.form.get("amount") or b["amount"])
            b["due_day"] = int(request.form.get("due_day") or b["due_day"])
            b["category"] = request.form.get("category", b["category"])
            b["subcategory"] = request.form.get("subcategory", b.get("subcategory", ""))
            b["notes"] = request.form.get("notes", b.get("notes", ""))
            break
    save_bills(bills)
    return redirect(url_for("bills_list"))


@app.route("/weekly")
@app.route("/weekly/<int:year>/<int:month>")
def weekly_overview(year=None, month=None):
    today = date.today()
    year = year or today.year
    month = month or today.month

    mk = month_key(year, month)
    all_weekly = get_weekly()
    month_data = all_weekly.get(mk, {})

    ranges = week_ranges(year, month)
    monthly_bills = bills_for_month(year, month)

    # Pre-process transactions: parse dates and index reviewed ones by date
    from dateutil import parser as date_parser
    all_transactions = get_transactions()
    reviewed_txns = [t for t in all_transactions if t.get("reviewed") and t.get("category") and not t.get("ignored")]
    def parse_txn_date(t):
        try:
            return date_parser.parse(t["date"]).date()
        except Exception:
            return None
    txns_with_dates = [(parse_txn_date(t), t) for t in reviewed_txns]
    txns_with_dates = [(d, t) for d, t in txns_with_dates if d]

    weeks = []
    for i, (start, end) in enumerate(ranges, 1):
        wk = str(i)
        wdata = month_data.get(wk, {})

        # Match bills whose due day falls within this week's date range
        week_bills = []
        for b in monthly_bills:
            due_day = b.get("due_day")
            if not due_day:
                continue
            import calendar as _cal
            _, nm = _cal.monthrange(year, month)
            try:
                bill_date = date(year, month, min(due_day, nm))
                if start <= bill_date <= end:
                    week_bills.append(b)
            except Exception:
                pass

        bills_total = sum(float(b.get("amount") or 0) for b in week_bills)

        income_sources = ["Auto King", "Studio", "Bakery", "Misc"]
        income = wdata.get("income", {})
        cat_budget = wdata.get("categories", {})
        sinking = wdata.get("sinking", {})
        extra_debt = wdata.get("extra_debt", {})

        # Sum categorized transactions falling in this week's date range
        # Skip Income (that's tracked separately) and Transfer (moves between accounts, not real spending)
        # Include Debt — credit card payments etc. are real outflows from checking
        skip_cats = {"Income", "Transfer"}
        cat_actuals = {}
        for txn_date, t in txns_with_dates:
            if start <= txn_date <= end:
                for cat, subcat, amt in transaction_category_amounts(t):
                    if cat and cat not in skip_cats:
                        cat_actuals[cat] = round(cat_actuals.get(cat, 0) + amt, 2)

        income_total = sum(float(v.get("actual") or 0) for v in income.values())
        spending_total = sum(cat_actuals.values())
        sinking_total = sum(float(v.get("contributed") or 0) for v in sinking.values())
        extra_debt_total = sum(float(v.get("extra") or 0) for v in extra_debt.values())
        starting_balance = float(wdata.get("starting_balance", {}).get("amount", {}).get("value", 0) or 0)
        leftover = starting_balance + income_total - spending_total - sinking_total - extra_debt_total

        # Format date range label e.g. "May 29 – Jun 4"
        start_label = start.strftime("%b %-d")
        end_label = end.strftime("%b %-d")

        # Transactions for this week (reviewed, not ignored)
        week_txns = [t for d, t in txns_with_dates if start <= d <= end]

        week_obj = {
            "num": i,
            "start": start,
            "end": end,
            "start_label": start_label,
            "end_label": end_label,
            "bills": week_bills,
            "bills_total": bills_total,
            "income": income,
            "income_sources": income_sources,
            "income_total": income_total,
            "spending_total": spending_total,
            "sinking_total": sinking_total,
            "extra_debt_total": extra_debt_total,
            "starting_balance": starting_balance,
            "cat_budget": cat_budget,
            "cat_actuals": cat_actuals,
            "sinking": sinking,
            "extra_debt": extra_debt,
            "leftover": leftover,
            "transactions": week_txns,
        }
        week_obj["summary"] = week_status_summary(week_obj)
        weeks.append(week_obj)

    prev_month = month - 1 or 12
    prev_year = year if month > 1 else year - 1
    next_month = month % 12 + 1
    next_year = year if month < 12 else year + 1

    # Figure out which week contains today
    current_week = 1
    if year == today.year and month == today.month:
        for i, (wk_start, wk_end) in enumerate(ranges, 1):
            if wk_start <= today <= wk_end:
                current_week = i
                break

    funds = load_funds()
    all_debts = load_debts()
    active_debts = [d for d in all_debts if d.get("active", True)
                    and not d.get("is_bnpl")
                    and float(d.get("current_balance", 0)) > 0]

    return render_template("weekly.html",
        weeks=weeks,
        year=year,
        month=month,
        month_name=cal_module.month_name[month],
        prev_year=prev_year,
        prev_month=prev_month,
        next_year=next_year,
        next_month=next_month,
        colors=CATEGORY_COLORS,
        categories=CATEGORIES,
        sinking_funds=funds,
        fund_colors=FUND_COLORS,
        active_debts=active_debts,
        owner_colors=OWNER_COLORS,
        current_week=current_week,
    )


@app.route("/weekly/extra-debt", methods=["POST"])
def weekly_extra_debt():
    debt_id = request.form.get("debt_id")
    amount = float(request.form.get("amount") or 0)
    year = int(request.form.get("year"))
    month = int(request.form.get("month"))
    week = request.form.get("week")

    mk = month_key(year, month)
    all_weekly = get_weekly()
    prev = float(all_weekly.get(mk, {}).get(week, {}).get("extra_debt", {}).get(debt_id, {}).get("extra") or 0)
    all_weekly.setdefault(mk, {}).setdefault(week, {}).setdefault("extra_debt", {})[debt_id] = {"extra": amount}
    save_weekly(all_weekly)

    # Apply extra payment to debt balance
    debts = load_debts()
    for d in debts:
        if d["id"] == debt_id and not d.get("is_bnpl"):
            d["current_balance"] = max(round(float(d.get("current_balance", 0)) - amount + prev, 2), 0)
            break
    save_debts(debts)
    return jsonify({"ok": True})


@app.route("/weekly/save", methods=["POST"])
def weekly_save():
    year = int(request.form.get("year"))
    month = int(request.form.get("month"))
    week = request.form.get("week")
    field = request.form.get("field")
    key = request.form.get("key")
    subkey = request.form.get("subkey", "actual")
    value = request.form.get("value", "")

    mk = month_key(year, month)
    all_weekly = get_weekly()
    all_weekly.setdefault(mk, {}).setdefault(week, {}).setdefault(field, {}).setdefault(key, {})[subkey] = value

    # Sync actual income entries to income_log.json
    if field == "income" and subkey == "actual":
        amount = float(value) if value else 0
        # Remove previous entry for this stream+week if it exists
        prev_entry_id = all_weekly[mk][week][field][key].get("_income_log_id")
        if prev_entry_id:
            delete_income_entry(prev_entry_id)
        # Log new entry and store its ID so we can update it later
        if amount > 0:
            import uuid
            entry_id = str(uuid.uuid4())
            log_income_entry(key, amount, mk, note=f"Week {week}", entry_id=entry_id)
            all_weekly[mk][week][field][key]["_income_log_id"] = entry_id
        else:
            all_weekly[mk][week][field][key].pop("_income_log_id", None)

    save_weekly(all_weekly)
    return jsonify({"ok": True})


@app.route("/debts")
@app.route("/debts/<int:year>/<int:month>")
def debts_view(year=None, month=None):
    today = date.today()
    year = year or today.year
    month = month or today.month
    mk = debt_month_key(year, month)

    debts = load_debts()
    log = load_debt_log()
    month_log = log.get(mk, {})

    import calendar as cal_mod
    prev_month = month - 1 or 12
    prev_year = year if month > 1 else year - 1
    next_month = month % 12 + 1
    next_year = year if month < 12 else year + 1

    by_category = {cat: [] for cat in DEBT_CATEGORIES}
    totals = {cat: {"balance": 0, "minimum": 0, "paid": 0, "extra": 0} for cat in DEBT_CATEGORIES}
    grand = {"balance": 0, "minimum": 0, "paid": 0, "extra": 0}

    for debt in debts:
        if not debt.get("active", True):
            continue
        entry = month_log.get(debt["id"], {})
        starting = float(entry.get("starting_balance") or debt.get("current_balance", 0))
        interest = float(entry.get("interest") if entry.get("interest") is not None
                         else monthly_interest(starting, debt.get("apr", 0)))
        new_charges = float(entry.get("new_charges", 0))
        payment = float(entry.get("payment", 0))
        minimum = float(debt.get("minimum", 0))
        extra = max(round(payment - minimum, 2), 0)
        ending = max(round(starting + interest + new_charges - payment, 2), 0)

        months_left = None
        payoff_str = None
        if payment > 0 or minimum > 0:
            pay = payment if payment > 0 else minimum
            m = payoff_months(starting, debt.get("apr", 0), pay)
            if m:
                months_left = m
                future = date(year + (month + m - 1) // 12, ((month + m - 1) % 12) + 1, 1)
                payoff_str = future.strftime("%b %Y")

        row = {
            **debt,
            "starting": starting,
            "interest": round(interest, 2),
            "new_charges": new_charges,
            "payment": payment,
            "minimum": minimum,
            "extra": extra,
            "ending": ending,
            "months_left": months_left,
            "payoff_str": payoff_str,
            "entry": entry,
        }

        cat = debt.get("debt_category", "Credit Cards")
        if cat in by_category:
            by_category[cat].append(row)
            totals[cat]["balance"] += ending
            totals[cat]["minimum"] += minimum
            totals[cat]["paid"] += payment
            totals[cat]["extra"] += extra
            grand["balance"] += ending
            grand["minimum"] += minimum
            grand["paid"] += payment
            grand["extra"] += extra

    monthly_income_by_stream, _ = income_by_month(year, month)
    monthly_income_total = sum(monthly_income_by_stream.values())
    dti = round((grand["minimum"] / monthly_income_total * 100), 1) if monthly_income_total > 0 else None

    return render_template("debts.html",
        by_category=by_category,
        totals=totals,
        grand=grand,
        debt_categories=DEBT_CATEGORIES,
        owner_colors=OWNER_COLORS,
        year=year,
        month=month,
        month_name=cal_mod.month_name[month],
        prev_year=prev_year,
        prev_month=prev_month,
        next_year=next_year,
        next_month=next_month,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
        bnpl_payoff_date=bnpl_payoff_date,
        monthly_income=monthly_income_total,
        dti=dti,
    )


@app.route("/debts/add", methods=["POST"])
def debt_add():
    import uuid
    debts = load_debts()
    debt = {
        "id": str(uuid.uuid4()),
        "name": request.form.get("name", "").strip(),
        "debt_category": request.form.get("debt_category", "Credit Cards"),
        "owner": request.form.get("owner", "Bonna"),
        "current_balance": float(request.form.get("current_balance") or 0),
        "apr": float(request.form.get("apr") or 0),
        "minimum": float(request.form.get("minimum") or 0),
        "account_match": request.form.get("account_match", "").strip(),
        "notes": request.form.get("notes", "").strip(),
        "active": True,
    }
    debts.append(debt)
    save_debts(debts)
    return redirect(url_for("debts_view"))


@app.route("/debts/add-bnpl", methods=["POST"])
def bnpl_add():
    import uuid
    from datetime import timedelta
    debts = load_debts()
    freq = request.form.get("frequency", "biweekly")
    freq_days = {"biweekly": 14, "monthly": 30, "4-payment": 14}.get(freq, 14)
    total_payments = int(request.form.get("total_payments") or 1)
    payments_made = int(request.form.get("payments_made") or 0)
    payment_amount = float(request.form.get("payment_amount") or 0)
    remaining = total_payments - payments_made
    debt_id = str(uuid.uuid4())

    # Parse next payment date
    next_payment_str = request.form.get("next_payment_date", "").strip()
    next_payment_date = None
    if next_payment_str:
        try:
            next_payment_date = datetime.strptime(next_payment_str, "%Y-%m-%d").date()
        except ValueError:
            pass

    description = request.form.get("description", "").strip()
    provider = request.form.get("bnpl_provider", "Affirm")
    merchant = request.form.get("merchant", "").strip()
    bill_name = f"{provider} – {description}" + (f" ({merchant})" if merchant else "")

    debt = {
        "id": debt_id,
        "name": description,
        "merchant": merchant,
        "debt_category": "BNPL",
        "bnpl_provider": provider,
        "owner": request.form.get("owner", "Bonna"),
        "original_amount": float(request.form.get("original_amount") or 0),
        "payment_amount": payment_amount,
        "total_payments": total_payments,
        "payments_made": payments_made,
        "frequency": freq,
        "frequency_days": freq_days,
        "current_balance": round(remaining * payment_amount, 2),
        "apr": 0,
        "minimum": payment_amount,
        "notes": request.form.get("notes", "").strip(),
        "active": True,
        "is_bnpl": True,
        "next_payment_date": next_payment_str,
    }
    debts.append(debt)
    save_debts(debts)

    # Auto-generate bill entries for each remaining payment
    if next_payment_date and remaining > 0:
        bills = load_bills()
        for i in range(remaining):
            if freq == "monthly":
                # advance by month
                m = next_payment_date.month + i
                y = next_payment_date.year + (m - 1) // 12
                m = ((m - 1) % 12) + 1
                import calendar as _cal
                last_day = _cal.monthrange(y, m)[1]
                pay_date = date(y, m, min(next_payment_date.day, last_day))
            else:
                pay_date = next_payment_date + timedelta(days=freq_days * i)
            bills.append({
                "id": str(uuid.uuid4()),
                "name": bill_name,
                "due_date_str": pay_date.strftime("%Y-%m-%d"),
                "amount": payment_amount,
                "category": "Debt",
                "active": True,
                "paid": False,
                "bnpl_debt_id": debt_id,
                "bnpl_payment_num": payments_made + i + 1,
            })
        save_bills(bills)

    redirect_to = request.form.get("redirect_to", "")
    if redirect_to == "review":
        return redirect(url_for("review"))
    return redirect(url_for("debts_view"))


@app.route("/debts/bnpl-edit/<debt_id>", methods=["POST"])
def bnpl_edit(debt_id):
    import uuid
    from datetime import timedelta
    debts = load_debts()
    for d in debts:
        if d["id"] == debt_id and d.get("is_bnpl"):
            freq = request.form.get("frequency", d.get("frequency", "biweekly"))
            freq_days = {"biweekly": 14, "monthly": 30, "4-payment": 14}.get(freq, 14)
            total_payments = int(request.form.get("total_payments") or d.get("total_payments", 1))
            payments_made = int(request.form.get("payments_made") or 0)
            payment_amount = float(request.form.get("payment_amount") or d.get("payment_amount", 0))
            remaining = total_payments - payments_made
            description = request.form.get("description", d.get("name", "")).strip()
            provider = request.form.get("bnpl_provider", d.get("bnpl_provider", "Affirm"))
            merchant = request.form.get("merchant", d.get("merchant", "")).strip()
            next_payment_str = request.form.get("next_payment_date", "").strip()

            d["name"] = description
            d["merchant"] = merchant
            d["bnpl_provider"] = provider
            d["owner"] = request.form.get("owner", d.get("owner", "Bonna"))
            d["original_amount"] = float(request.form.get("original_amount") or d.get("original_amount", 0))
            d["payment_amount"] = payment_amount
            d["total_payments"] = total_payments
            d["payments_made"] = payments_made
            d["frequency"] = freq
            d["frequency_days"] = freq_days
            d["current_balance"] = max(round(remaining * payment_amount, 2), 0)
            d["minimum"] = payment_amount
            d["notes"] = request.form.get("notes", "").strip()
            d["next_payment_date"] = next_payment_str
            d["active"] = remaining > 0
            break
    save_debts(debts)

    # Remove unpaid calendar bills for this plan and regenerate
    bills = load_bills()
    bills = [b for b in bills if not (b.get("bnpl_debt_id") == debt_id and not b.get("paid"))]

    if next_payment_str and remaining > 0:
        try:
            next_payment_date = datetime.strptime(next_payment_str, "%Y-%m-%d").date()
        except ValueError:
            next_payment_date = None
        if next_payment_date:
            bill_name = f"{provider} – {description}" + (f" ({merchant})" if merchant else "")
            for i in range(remaining):
                if freq == "monthly":
                    m = next_payment_date.month + i
                    y = next_payment_date.year + (m - 1) // 12
                    m = ((m - 1) % 12) + 1
                    import calendar as _cal
                    last_day = _cal.monthrange(y, m)[1]
                    pay_date = date(y, m, min(next_payment_date.day, last_day))
                else:
                    pay_date = next_payment_date + timedelta(days=freq_days * i)
                bills.append({
                    "id": str(uuid.uuid4()),
                    "name": bill_name,
                    "due_date_str": pay_date.strftime("%Y-%m-%d"),
                    "amount": payment_amount,
                    "category": "Debt",
                    "active": True,
                    "paid": False,
                    "bnpl_debt_id": debt_id,
                    "bnpl_payment_num": payments_made + i + 1,
                })
    save_bills(bills)
    return redirect(url_for("debts_view"))


@app.route("/debts/bnpl-payment/<debt_id>", methods=["POST"])
def bnpl_payment(debt_id):
    debts = load_debts()
    for d in debts:
        if d["id"] == debt_id and d.get("is_bnpl"):
            next_num = d.get("payments_made", 0) + 1
            d["payments_made"] = next_num
            remaining = d["total_payments"] - d["payments_made"]
            d["current_balance"] = max(round(remaining * d["payment_amount"], 2), 0)
            if d["payments_made"] >= d["total_payments"]:
                d["active"] = False
            break
    save_debts(debts)

    # Mark the corresponding bill as paid
    bills = load_bills()
    for b in bills:
        if b.get("bnpl_debt_id") == debt_id and b.get("bnpl_payment_num") == next_num and not b.get("paid"):
            b["paid"] = True
            break
    save_bills(bills)

    return redirect(url_for("debts_view"))


@app.route("/categorize/sinking-transfer", methods=["POST"])
def categorize_sinking_transfer():
    """Categorize a transaction as Transfer > Sinking Fund and auto-contribute to the chosen fund."""
    txn_id = request.form.get("id")
    fund_name = request.form.get("sinking_fund_name", "").strip()
    redirect_to = request.form.get("redirect", "transactions")

    # Categorize the transaction and find its date/amount
    transactions = get_transactions()
    txn_amount = 0
    txn_date = None
    for t in transactions:
        if t["id"] == txn_id:
            t["category"] = "Transfer"
            t["subcategory"] = "Sinking Fund"
            t["notes"] = fund_name
            t["reviewed"] = True
            t.pop("ignored", None)
            txn_amount = float(t.get("amount", 0))
            txn_date = t.get("date")  # e.g. "2026-06-04"
            break
    save_transactions(transactions)

    if fund_name and txn_amount:
        # Figure out which week/month this transaction belongs to
        txn_week = None
        txn_year, txn_month = None, None
        if txn_date:
            try:
                d = date.fromisoformat(txn_date)
                txn_year = d.year
                txn_month = d.month
                txn_week = f"week{get_week_num(d)}"
            except Exception:
                pass

        funds = load_funds()
        for f in funds:
            if f["name"] == fund_name:
                if txn_year and txn_week:
                    # Use the same dedup logic as the manual weekly entry:
                    # subtract any previous contribution logged for this fund/week,
                    # then add the new amount — so if someone already entered it
                    # manually in the weekly section, we don't double-count.
                    mk = month_key(txn_year, txn_month)
                    all_weekly = get_weekly()
                    prev = float(
                        all_weekly.get(mk, {})
                        .get(txn_week, {})
                        .get("sinking", {})
                        .get(fund_name, {})
                        .get("contributed") or 0
                    )
                    old_balance = float(f.get("balance", 0))
                    f["balance"] = round(old_balance - prev + txn_amount, 2)

                    # Log to weekly so the manual field shows it pre-filled
                    # and future edits to the weekly field do correct dedup
                    all_weekly.setdefault(mk, {}).setdefault(txn_week, {}).setdefault("sinking", {})[fund_name] = {
                        "contributed": txn_amount,
                        "from_transaction": txn_id,
                    }
                    save_weekly(all_weekly)
                else:
                    # No date info — just bump the balance directly
                    f["balance"] = round(float(f.get("balance", 0)) + txn_amount, 2)
                break
        save_funds(funds)

    if redirect_to == "review":
        return redirect(url_for("review"))
    return redirect("/transactions")


@app.route("/review/match-bnpl", methods=["POST"])
def match_bnpl():
    """Match a transaction to a BNPL loan during review — marks payment and categorizes."""
    txn_id = request.form.get("txn_id")
    debt_id = request.form.get("debt_id")
    category = request.form.get("category", "Debt")
    notes = request.form.get("notes", "")

    # Mark the BNPL payment
    debts = load_debts()
    next_num = None
    for d in debts:
        if d["id"] == debt_id and d.get("is_bnpl"):
            next_num = d.get("payments_made", 0) + 1
            d["payments_made"] = next_num
            remaining = d["total_payments"] - d["payments_made"]
            d["current_balance"] = max(round(remaining * d["payment_amount"], 2), 0)
            if d["payments_made"] >= d["total_payments"]:
                d["active"] = False
            notes = notes or d["name"]
            break
    save_debts(debts)

    # Mark the corresponding bill as paid
    if next_num:
        bills = load_bills()
        for b in bills:
            if b.get("bnpl_debt_id") == debt_id and b.get("bnpl_payment_num") == next_num and not b.get("paid"):
                b["paid"] = True
                break
        save_bills(bills)

    # Categorize the transaction
    transactions = get_transactions()
    for t in transactions:
        if t["id"] == txn_id:
            t["category"] = category
            t["subcategory"] = ""
            t["notes"] = notes
            t["reviewed"] = True
            break
    save_transactions(transactions)

    return redirect(url_for("review"))


@app.route("/debts/delete/<debt_id>", methods=["POST"])
def debt_delete(debt_id):
    debts = [d for d in load_debts() if d["id"] != debt_id]
    save_debts(debts)
    return redirect(url_for("debts_view"))


@app.route("/debts/log", methods=["POST"])
def debt_log_save():
    debt_id = request.form.get("debt_id")
    year = int(request.form.get("year"))
    month = int(request.form.get("month"))
    field = request.form.get("field")
    value = request.form.get("value", "")
    allowed = {"starting_balance", "payment", "new_charges", "interest"}
    if field not in allowed:
        return jsonify({"ok": False}), 400
    mk = debt_month_key(year, month)
    log = load_debt_log()
    log.setdefault(mk, {}).setdefault(debt_id, {})[field] = float(value) if value else 0
    save_debt_log(log)
    debts = load_debts()
    debt = next((d for d in debts if d["id"] == debt_id), None)
    if debt:
        entry = log[mk][debt_id]
        starting = float(entry.get("starting_balance") or debt.get("current_balance", 0))
        interest = float(entry.get("interest") if entry.get("interest") is not None
                         else monthly_interest(starting, debt.get("apr", 0)))
        new_charges = float(entry.get("new_charges", 0))
        payment = float(entry.get("payment", 0))
        ending = max(round(starting + interest + new_charges - payment, 2), 0)
        extra = max(round(payment - float(debt.get("minimum", 0)), 2), 0)
        return jsonify({"ok": True, "ending": ending, "extra": extra, "interest": interest})
    return jsonify({"ok": True})


@app.route("/debts/toggle-pending/<debt_id>", methods=["POST"])
def debt_toggle_pending(debt_id):
    debts = load_debts()
    for d in debts:
        if d["id"] == debt_id:
            d["statement_pending"] = not d.get("statement_pending", False)
            break
    save_debts(debts)
    return jsonify({"ok": True, "pending": next(d["statement_pending"] for d in debts if d["id"] == debt_id)})


@app.route("/debts/edit/<debt_id>", methods=["POST"])
def debt_edit(debt_id):
    debts = load_debts()
    for d in debts:
        if d["id"] == debt_id:
            d["name"] = request.form.get("name", d["name"]).strip()
            d["owner"] = request.form.get("owner", d.get("owner", "Bonna"))
            v = request.form.get("current_balance", "").strip()
            if v: d["current_balance"] = float(v)
            v = request.form.get("apr", "").strip()
            if v: d["apr"] = float(v)
            v = request.form.get("minimum", "").strip()
            if v: d["minimum"] = float(v)
            v = request.form.get("credit_limit", "").strip()
            if v: d["credit_limit"] = float(v)
            d["notes"] = request.form.get("notes", "").strip()
            break
    save_debts(debts)
    return redirect(url_for("debts_view"))


@app.route("/debts/add-from-statement", methods=["POST"])
def debt_add_from_statement():
    import re, uuid
    name = request.form.get("name", "").strip()
    owner = request.form.get("owner", "Bonna")
    text = request.form.get("text", "")
    year = int(request.form.get("year"))
    month = int(request.form.get("month"))

    if not name or not text:
        return jsonify({"error": "Name and statement text are required."})

    def find_amount(patterns, txt):
        for pat in patterns:
            m = re.search(pat, txt, re.IGNORECASE)
            if m:
                return float(m.group(1).replace(",", ""))
        return None

    previous_balance = find_amount([r"previous balance\s*\$?([\d,]+\.\d{2})", r"previous balance[^\d]*([\d,]+\.\d{2})"], text)
    purchases = find_amount([r"purchases & other charges\s*\$?([\d,]+\.\d{2})", r"purchases\s*\$?([\d,]+\.\d{2})", r"transactions total\s*\$?([\d,]+\.\d{2})"], text)
    interest = find_amount([r"total interest for this period\s*\$?([\d,]+\.\d{2})", r"interest charged\s*\$?([\d,]+\.\d{2})", r"interest charge on purchases[^\d]*([\d,]+\.\d{2})", r"\+ interest charged\s*\$?([\d,]+\.\d{2})"], text)
    payment = find_amount([r"payments & credits\s*\$?([\d,]+\.\d{2})", r"payments\s*\$?-?([\d,]+\.\d{2})", r"payment\s*\$?-?([\d,]+\.\d{2})"], text)
    minimum = find_amount([r"minimum payment due\s*\$?([\d,]+\.\d{2})", r"minimum payment\s*\$?([\d,]+\.\d{2})"], text)
    new_balance = find_amount([r"new balance\s*\$?([\d,]+\.\d{2})"], text)
    credit_limit = find_amount([r"credit limit\s*\$?([\d,]+\.\d{2})"], text)
    available_credit = find_amount([r"available credit\s*\$?([\d,]+\.\d{2})"], text)
    apr = find_amount([r"purchase apr is ([\d.]+)%", r"purchases\s+([\d.]+)%", r"annual percentage rate \(apr\)\s*([\d.]+)", r"APR\)[^\d]*([\d.]+)", r"APR is ([\d.]+)%"], text)

    if previous_balance is None and new_balance is None:
        return jsonify({"error": "Could not find balance information. Make sure you pasted the full statement text."})

    # Create the debt
    debt_id = str(uuid.uuid4())
    debt = {
        "id": debt_id,
        "name": name,
        "debt_category": "Credit Cards",
        "owner": owner,
        "current_balance": new_balance or 0,
        "apr": apr or 0,
        "minimum": minimum or 0,
        "credit_limit": credit_limit or 0,
        "available_credit": available_credit or 0,
        "account_match": "",
        "notes": "",
        "active": True,
    }
    debts = load_debts()
    debts.append(debt)
    save_debts(debts)

    # Log this month's statement data
    mk = debt_month_key(year, month)
    log = load_debt_log()
    entry = log.setdefault(mk, {}).setdefault(debt_id, {})
    if previous_balance is not None: entry["starting_balance"] = previous_balance
    if purchases is not None: entry["new_charges"] = purchases
    if interest is not None: entry["interest"] = interest
    if payment is not None: entry["payment"] = payment
    save_debt_log(log)

    return jsonify({"ok": True})


@app.route("/debts/parse-statement", methods=["POST"])
def debt_parse_statement():
    import re
    text = request.form.get("text", "")
    debt_id = request.form.get("debt_id")
    year = int(request.form.get("year"))
    month = int(request.form.get("month"))

    def find_amount(patterns, txt):
        for pat in patterns:
            m = re.search(pat, txt, re.IGNORECASE)
            if m:
                return float(m.group(1).replace(",", ""))
        return None

    previous_balance = find_amount([
        r"previous balance\s*\$?([\d,]+\.\d{2})",
        r"previous balance[^\d]*([\d,]+\.\d{2})",
    ], text)
    purchases = find_amount([
        r"purchases & other charges\s*\$?([\d,]+\.\d{2})",
        r"purchases\s*\$?([\d,]+\.\d{2})",
        r"transactions total\s*\$?([\d,]+\.\d{2})",
    ], text)
    interest = find_amount([
        r"total interest for this period\s*\$?([\d,]+\.\d{2})",
        r"interest charged\s*\$?([\d,]+\.\d{2})",
        r"interest charge on purchases[^\d]*([\d,]+\.\d{2})",
        r"\+ interest charged\s*\$?([\d,]+\.\d{2})",
    ], text)
    payment = find_amount([
        r"payments & credits\s*\$?([\d,]+\.\d{2})",
        r"payments\s*\$?-?([\d,]+\.\d{2})",
        r"payment\s*\$?-?([\d,]+\.\d{2})",
    ], text)
    minimum = find_amount([
        r"minimum payment due\s*\$?([\d,]+\.\d{2})",
        r"minimum payment\s*\$?([\d,]+\.\d{2})",
    ], text)
    new_balance = find_amount([
        r"new balance\s*\$?([\d,]+\.\d{2})",
    ], text)
    credit_limit = find_amount([
        r"credit limit\s*\$?([\d,]+\.\d{2})",
    ], text)
    available_credit = find_amount([
        r"available credit\s*\$?([\d,]+\.\d{2})",
    ], text)
    apr = find_amount([
        r"purchase apr is ([\d.]+)%",
        r"purchases\s+([\d.]+)%",
        r"annual percentage rate \(apr\)\s*([\d.]+)",
        r"APR\)[^\d]*([\d.]+)",
        r"APR is ([\d.]+)%",
    ], text)

    if previous_balance is None and new_balance is None:
        return jsonify({"error": "Could not find balance information. Make sure you pasted the full statement text."})

    mk = debt_month_key(year, month)
    log = load_debt_log()
    entry = log.setdefault(mk, {}).setdefault(debt_id, {})

    if previous_balance is not None:
        entry["starting_balance"] = previous_balance
    if purchases is not None:
        entry["new_charges"] = purchases
    if interest is not None:
        entry["interest"] = interest
    if payment is not None:
        entry["payment"] = payment

    save_debt_log(log)

    # Update the debt itself with current balance, minimum, APR, credit info
    debts = load_debts()
    for d in debts:
        if d["id"] == debt_id:
            if new_balance is not None:
                d["current_balance"] = new_balance
            if minimum is not None:
                d["minimum"] = minimum
            if apr is not None:
                d["apr"] = apr
            if credit_limit is not None:
                d["credit_limit"] = credit_limit
            if available_credit is not None:
                d["available_credit"] = available_credit
            break
    save_debts(debts)

    return jsonify({
        "ok": True,
        "previous_balance": previous_balance or 0,
        "purchases": purchases or 0,
        "interest": interest or 0,
        "payment": payment or 0,
        "minimum": minimum or 0,
        "new_balance": new_balance or 0,
        "credit_limit": credit_limit,
        "available_credit": available_credit,
    })


@app.route("/debts/strategy", methods=["GET", "POST"])
def debt_strategy():
    debts = load_debts()
    active = [d for d in debts if not d.get("is_bnpl") and d.get("active", True)
              and float(d.get("current_balance", 0)) > 0]

    total_minimums = sum(float(d.get("minimum", 0)) for d in active)
    total_balance = sum(float(d.get("current_balance", 0)) for d in active)

    extra_monthly = float(request.form.get("extra_monthly") or 0)
    total_monthly = total_minimums + extra_monthly

    avalanche, av_interest, av_months, _ = simulate_payoff(debts, total_monthly, "avalanche")
    snowball, sb_interest, sb_months, _ = simulate_payoff(debts, total_monthly, "snowball")

    interest_saved = round(sb_interest - av_interest, 2)
    months_diff = sb_months - av_months

    return render_template("strategy.html",
        avalanche=avalanche,
        snowball=snowball,
        av_interest=av_interest,
        sb_interest=sb_interest,
        av_months=av_months,
        sb_months=sb_months,
        interest_saved=interest_saved,
        months_diff=months_diff,
        total_minimums=total_minimums,
        total_balance=total_balance,
        extra_monthly=extra_monthly,
        total_monthly=total_monthly,
        owner_colors=OWNER_COLORS,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
    )


@app.route("/sinking")
def sinking_view():
    funds = load_funds()
    total = sum(float(f.get("balance", 0)) for f in funds)
    for f in funds:
        if f.get("type") == "goal" and f.get("goal") and f.get("target_date"):
            f["monthly_needed"] = monthly_needed(
                float(f.get("balance", 0)), float(f["goal"]), f["target_date"])
            f["months_left"] = months_until(f["target_date"])
            goal = float(f["goal"])
            bal = float(f.get("balance", 0))
            f["pct"] = min(int((bal / goal * 100) if goal else 0), 100)
        else:
            f["monthly_needed"] = None
            f["months_left"] = None
            f["pct"] = None
    return render_template("sinking.html",
        funds=funds,
        fund_colors=FUND_COLORS,
        total=total,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
    )


@app.route("/sinking/update", methods=["POST"])
def sinking_update():
    funds = load_funds()
    fund_name = request.form.get("name")
    field = request.form.get("field")
    value = request.form.get("value", "")
    allowed = {"balance", "monthly", "goal", "target_date", "notes", "type"}
    if field not in allowed:
        return jsonify({"ok": False}), 400
    for f in funds:
        if f["name"] == fund_name:
            if field in ("balance", "monthly", "goal"):
                f[field] = float(value) if value else 0
            else:
                f[field] = value
            break
    save_funds(funds)
    return jsonify({"ok": True})


@app.route("/sinking/contribute-weekly", methods=["POST"])
def sinking_contribute_weekly():
    funds = load_funds()
    fund_name = request.form.get("name")
    amount = float(request.form.get("amount") or 0)
    year = int(request.form.get("year"))
    month = int(request.form.get("month"))
    week = request.form.get("week")
    new_balance = 0

    # Update fund balance
    for f in funds:
        if f["name"] == fund_name:
            old = float(f.get("balance", 0))
            # Find previous contribution this week to avoid double-adding
            mk = month_key(year, month)
            all_weekly = get_weekly()
            prev = float(all_weekly.get(mk, {}).get(week, {}).get("sinking", {}).get(fund_name, {}).get("contributed") or 0)
            f["balance"] = round(old - prev + amount, 2)
            new_balance = f["balance"]
            break

    save_funds(funds)

    # Save contribution to weekly log
    mk = month_key(year, month)
    all_weekly = get_weekly()
    all_weekly.setdefault(mk, {}).setdefault(week, {}).setdefault("sinking", {})[fund_name] = {"contributed": amount}
    save_weekly(all_weekly)

    return jsonify({"ok": True, "new_balance": new_balance})


@app.route("/sinking/contribute", methods=["POST"])
def sinking_contribute():
    funds = load_funds()
    fund_name = request.form.get("name")
    amount = float(request.form.get("amount") or 0)
    for f in funds:
        if f["name"] == fund_name:
            f["balance"] = round(float(f.get("balance", 0)) + amount, 2)
            break
    save_funds(funds)
    return redirect(url_for("sinking_view"))


@app.route("/sinking/withdraw", methods=["POST"])
def sinking_withdraw():
    funds = load_funds()
    fund_name = request.form.get("name")
    amount = float(request.form.get("amount") or 0)
    for f in funds:
        if f["name"] == fund_name:
            f["balance"] = max(round(float(f.get("balance", 0)) - amount, 2), 0)
            break
    save_funds(funds)
    return redirect(url_for("sinking_view"))


@app.route("/sinking/add", methods=["POST"])
def sinking_add():
    funds = load_funds()
    import uuid
    fund = {
        "id": str(uuid.uuid4()),
        "name": request.form.get("name", "").strip(),
        "type": request.form.get("type", "ongoing"),
        "balance": float(request.form.get("balance") or 0),
        "monthly": float(request.form.get("monthly") or 0),
        "goal": float(request.form.get("goal") or 0) or None,
        "target_date": request.form.get("target_date") or None,
        "notes": request.form.get("notes", "").strip(),
    }
    funds.append(fund)
    save_funds(funds)
    return redirect(url_for("sinking_view"))


@app.route("/mortgage", methods=["GET", "POST"])
def mortgage_view():
    data = load_mortgage()

    if request.method == "POST":
        data["principal"] = float(request.form.get("principal") or 0)
        data["annual_rate"] = float(request.form.get("annual_rate") or 0)
        data["term_years"] = int(request.form.get("term_years") or 30)
        data["start_date"] = request.form.get("start_date") or ""
        data["extra_monthly"] = float(request.form.get("extra_monthly") or 0)
        save_mortgage(data)

    principal = float(data.get("principal") or 0)
    annual_rate = float(data.get("annual_rate") or 0)
    term_years = int(data.get("term_years") or 30)
    start_date = data.get("start_date") or ""
    extra_monthly = float(data.get("extra_monthly") or 0)

    base_payment = monthly_payment(principal, annual_rate, term_years) if principal else 0
    current_bal = current_balance_estimate(principal, annual_rate, term_years, start_date) if principal and start_date else principal

    schedule = []
    total_interest_standard = 0
    standard_months = 0
    total_interest_extra = 0
    extra_months = 0
    bi_interest = 0
    bi_payments = 0
    bi_years = 0
    bi_months_total = 0

    if principal and annual_rate and start_date:
        schedule, total_interest_standard, standard_months = amortization_schedule(
            principal, annual_rate, term_years, start_date, 0)
        if extra_monthly > 0:
            _, total_interest_extra, extra_months = amortization_schedule(
                principal, annual_rate, term_years, start_date, extra_monthly)
        bi_interest, bi_payments, bi_years, bi_months_total = biweekly_schedule(
            principal, annual_rate, term_years, start_date)

    interest_saved_extra = round(total_interest_standard - total_interest_extra, 2) if extra_monthly else 0
    months_saved_extra = standard_months - extra_months if extra_monthly else 0
    interest_saved_biweekly = round(total_interest_standard - bi_interest, 2)
    months_saved_biweekly = standard_months - bi_months_total

    return render_template("mortgage.html",
        data=data,
        principal=principal,
        annual_rate=annual_rate,
        term_years=term_years,
        start_date=start_date,
        extra_monthly=extra_monthly,
        base_payment=base_payment,
        current_bal=current_bal,
        schedule=schedule,
        total_interest_standard=total_interest_standard,
        standard_months=standard_months,
        total_interest_extra=total_interest_extra,
        extra_months=extra_months,
        interest_saved_extra=interest_saved_extra,
        months_saved_extra=months_saved_extra,
        bi_interest=bi_interest,
        bi_years=bi_years,
        bi_months_total=bi_months_total,
        interest_saved_biweekly=interest_saved_biweekly,
        months_saved_biweekly=months_saved_biweekly,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
    )


@app.route("/assets")
def assets_view():
    data = load_assets()
    personal = data.get("personal", [])
    flips = data.get("flips", [])

    for car in personal:
        car["total_spent"] = total_spent(car)
        car["display_name"] = car_display_name(car)

    active_flips = [f for f in flips if not f.get("sold")]
    sold_flips = [f for f in flips if f.get("sold")]

    for flip in flips:
        flip["display_name"] = car_display_name(flip)
        flip["total_invested"] = flip_total_invested(flip)
        flip["profit"] = flip_profit(flip)

    total_tied_up = sum(f["total_invested"] for f in active_flips)

    other_assets = data.get("other_assets", [])
    by_category = {}
    for cat in ASSET_CATEGORIES:
        by_category[cat] = [a for a in other_assets if a.get("category") == cat]

    total_other_value = sum(float(a.get("value") or 0) for a in other_assets)
    total_personal_value = sum(float(c.get("estimated_value") or 0) for c in personal)
    net_worth_assets = total_personal_value + total_other_value

    return render_template("assets.html",
        personal=personal,
        active_flips=active_flips,
        sold_flips=sold_flips,
        total_tied_up=total_tied_up,
        by_category=by_category,
        asset_categories=ASSET_CATEGORIES,
        net_worth_assets=net_worth_assets,
        owner_colors=OWNER_COLORS,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
    )


@app.route("/assets/personal/update/<car_id>", methods=["POST"])
def personal_car_update(car_id):
    data = load_assets()
    for car in data["personal"]:
        if car["id"] == car_id:
            for field in ("color", "owner", "purchase_price", "purchase_date",
                          "estimated_value", "notes"):
                if field in request.form:
                    val = request.form.get(field)
                    car[field] = float(val) if field in ("purchase_price", "estimated_value") and val else val
            break
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/personal/log/<car_id>", methods=["POST"])
def personal_car_log(car_id):
    import uuid
    data = load_assets()
    log_type = request.form.get("log_type", "gas")
    entry = {
        "id": str(uuid.uuid4()),
        "date": request.form.get("date", ""),
        "amount": float(request.form.get("amount") or 0),
        "notes": request.form.get("notes", ""),
    }
    if log_type == "gas":
        entry["gallons"] = request.form.get("gallons", "")
    else:
        entry["description"] = request.form.get("description", "")

    for car in data["personal"]:
        if car["id"] == car_id:
            if log_type == "gas":
                car.setdefault("gas_log", []).append(entry)
            else:
                car.setdefault("maintenance_log", []).append(entry)
            break
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/vehicle/add", methods=["POST"])
def vehicle_add():
    import uuid
    data = load_assets()
    vehicle_type = request.form.get("vehicle_type", "personal")
    year = int(request.form.get("year") or 0)
    make = request.form.get("make", "").strip()
    model = request.form.get("model", "").strip()
    trim = request.form.get("trim", "").strip()
    color = request.form.get("color", "").strip()
    purchase_price = float(request.form.get("purchase_price") or 0)
    purchase_date = request.form.get("purchase_date", "")
    notes = request.form.get("notes", "").strip()

    if vehicle_type == "flip":
        flip = {
            "id": str(uuid.uuid4()),
            "type": "flip",
            "year": year, "make": make, "model": model,
            "trim": trim, "color": color,
            "purchase_price": purchase_price,
            "purchase_date": purchase_date,
            "sale_price": 0, "sold": False, "sold_date": "",
            "notes": notes, "expense_log": [],
        }
        data.setdefault("flips", []).append(flip)
    else:
        car = {
            "id": str(uuid.uuid4()),
            "type": "personal",
            "year": year, "make": make, "model": model,
            "trim": trim, "color": color,
            "owner": request.form.get("owner", "Bonna"),
            "purchase_price": purchase_price,
            "purchase_date": purchase_date,
            "estimated_value": float(request.form.get("estimated_value") or 0),
            "notes": notes,
            "gas_log": [], "maintenance_log": [],
        }
        data.setdefault("personal", []).append(car)
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/flip/add", methods=["POST"])
def flip_add():
    import uuid
    data = load_assets()
    flip = {
        "id": str(uuid.uuid4()),
        "type": "flip",
        "year": int(request.form.get("year") or 0),
        "make": request.form.get("make", "").strip(),
        "model": request.form.get("model", "").strip(),
        "trim": request.form.get("trim", "").strip(),
        "color": request.form.get("color", "").strip(),
        "purchase_price": float(request.form.get("purchase_price") or 0),
        "purchase_date": request.form.get("purchase_date", ""),
        "sale_price": 0,
        "sold": False,
        "sold_date": "",
        "notes": request.form.get("notes", "").strip(),
        "expense_log": [],
    }
    personal_contribution = float(request.form.get("personal_contribution") or 0)
    if personal_contribution > 0:
        flip["expense_log"].append({
            "id": str(uuid.uuid4()),
            "date": request.form.get("purchase_date", ""),
            "amount": personal_contribution,
            "description": "Initial purchase from personal funds",
        })
    data.setdefault("flips", []).append(flip)
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/flip/expense/<flip_id>", methods=["POST"])
def flip_expense(flip_id):
    import uuid
    data = load_assets()
    entry = {
        "id": str(uuid.uuid4()),
        "date": request.form.get("date", ""),
        "amount": float(request.form.get("amount") or 0),
        "description": request.form.get("description", ""),
    }
    for flip in data.get("flips", []):
        if flip["id"] == flip_id:
            flip.setdefault("expense_log", []).append(entry)
            break
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/other/add", methods=["POST"])
def other_asset_add():
    import uuid
    data = load_assets()
    asset = {
        "id": str(uuid.uuid4()),
        "name": request.form.get("name", "").strip(),
        "category": request.form.get("category", "Other Valuables"),
        "owner": request.form.get("owner", "Both"),
        "value": float(request.form.get("value") or 0),
        "purchase_price": float(request.form.get("purchase_price") or 0),
        "purchase_date": request.form.get("purchase_date", ""),
        "notes": request.form.get("notes", "").strip(),
    }
    data.setdefault("other_assets", []).append(asset)
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/other/delete/<asset_id>", methods=["POST"])
def other_asset_delete(asset_id):
    data = load_assets()
    data["other_assets"] = [a for a in data.get("other_assets", []) if a["id"] != asset_id]
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/other/update/<asset_id>", methods=["POST"])
def other_asset_update(asset_id):
    data = load_assets()
    for a in data.get("other_assets", []):
        if a["id"] == asset_id:
            new_value = float(request.form.get("value") or 0)
            a["value"] = new_value
            if request.form.get("notes") is not None:
                a["notes"] = request.form.get("notes", "").strip()
            # Append to value history, replacing today's entry if it exists
            today_str = date.today().isoformat()
            history = a.get("value_history", [])
            if history and history[-1]["date"] == today_str:
                history[-1]["value"] = new_value
            else:
                history.append({"date": today_str, "value": new_value})
            a["value_history"] = history
            break
    save_assets(data)
    return jsonify({"ok": True})


@app.route("/assets/flip/sell/<flip_id>", methods=["POST"])
def flip_sell(flip_id):
    data = load_assets()
    for flip in data.get("flips", []):
        if flip["id"] == flip_id:
            flip["sale_price"] = float(request.form.get("sale_price") or 0)
            flip["sold_date"] = request.form.get("sold_date", "")
            flip["sold"] = True
            break
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/flip/edit/<flip_id>", methods=["POST"])
def flip_edit(flip_id):
    data = load_assets()
    for flip in data.get("flips", []):
        if flip["id"] == flip_id:
            flip["year"] = int(request.form.get("year") or flip["year"])
            flip["make"] = request.form.get("make", flip["make"]).strip()
            flip["model"] = request.form.get("model", flip["model"]).strip()
            flip["trim"] = request.form.get("trim", flip.get("trim", "")).strip()
            flip["color"] = request.form.get("color", flip.get("color", "")).strip()
            flip["purchase_price"] = float(request.form.get("purchase_price") or flip.get("purchase_price", 0))
            flip["purchase_date"] = request.form.get("purchase_date", flip.get("purchase_date", ""))
            flip["notes"] = request.form.get("notes", flip.get("notes", "")).strip()
            break
    save_assets(data)
    return redirect(url_for("assets_view"))


@app.route("/assets/flip/delete/<flip_id>", methods=["POST"])
def flip_delete(flip_id):
    data = load_assets()
    data["flips"] = [f for f in data.get("flips", []) if f["id"] != flip_id]
    save_assets(data)
    return redirect(url_for("assets_view"))


def ensure_tax_fund():
    """Create a Taxes sinking fund if one doesn't exist."""
    import uuid
    funds = load_funds()
    if not any(f["name"] == "Taxes" for f in funds):
        funds.append({
            "id": str(uuid.uuid4()),
            "name": "Taxes",
            "goal": 0,
            "balance": 0,
            "monthly_target": 0,
            "notes": "Set aside for estimated quarterly taxes",
        })
        save_funds(funds)

@app.route("/taxes")
def taxes_view():
    ensure_tax_fund()
    today = date.today()
    tax_data = load_taxes()
    rates = tax_data.get("rates", {"se_tax": 15.3, "federal": 22.0, "wi_state": 5.3})
    set_aside_log = tax_data.get("set_aside", [])

    # YTD income
    ytd_by_stream, _ = income_ytd(today.year)
    ytd_total = sum(ytd_by_stream.values())
    # SE income = everything except Auto King (Tony's W-2 paycheck)
    W2_STREAMS = {"Auto King"}
    ytd_se = sum(v for s, v in ytd_by_stream.items() if s not in W2_STREAMS)
    ytd_w2 = ytd_total - ytd_se

    # Tax estimates
    estimate = compute_tax_estimate(ytd_total, rates, se_income=ytd_se)

    # Read set-aside total from the Taxes sinking fund balance
    funds = load_funds()
    tax_fund = next((f for f in funds if f["name"] == "Taxes"), None)
    total_set_aside = round(float(tax_fund["balance"]) if tax_fund else 0, 2)
    still_needed = round(max(estimate["total"] - total_set_aside, 0), 2)
    over_saved = round(max(total_set_aside - estimate["total"], 0), 2)

    # Per-quarter breakdown (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec)
    quarters = [
        {"label": "Q1 (Jan–Mar)", "months": [1,2,3]},
        {"label": "Q2 (Apr–Jun)", "months": [4,5,6]},
        {"label": "Q3 (Jul–Sep)", "months": [7,8,9]},
        {"label": "Q4 (Oct–Dec)", "months": [10,11,12]},
    ]
    # Federal estimated tax due dates
    quarter_due_dates = ["April 15", "June 16", "September 15", "January 15"]
    for i, q in enumerate(quarters):
        q_income = sum(
            v for mk, v in [(income_month_key(today.year, m), 0) for m in q["months"]]
        )
        # Get actual income by month
        q_total = 0
        q_se = 0
        for m in q["months"]:
            monthly, _ = income_by_month(today.year, m)
            q_total += sum(monthly.values())
            q_se += sum(v for s, v in monthly.items() if s not in W2_STREAMS)
        q["income"] = round(q_total, 2)
        q["estimate"] = compute_tax_estimate(q_total, rates, se_income=q_se)
        q["due_date"] = quarter_due_dates[i]

    return render_template("taxes.html",
        today=today,
        year=today.year,
        rates=rates,
        ytd_total=ytd_total,
        ytd_se=ytd_se,
        ytd_w2=ytd_w2,
        ytd_by_stream=ytd_by_stream,
        estimate=estimate,
        set_aside_log=set_aside_log,
        total_set_aside=total_set_aside,
        still_needed=still_needed,
        over_saved=over_saved,
        quarters=quarters,
    )


@app.route("/taxes/set-aside", methods=["POST"])
def taxes_set_aside():
    import uuid
    amount = float(request.form.get("amount") or 0)
    notes = request.form.get("notes", "")
    entry_date = request.form.get("date", str(date.today()))

    # Log to taxes.json for history
    tax_data = load_taxes()
    tax_data.setdefault("set_aside", []).append({
        "id": str(uuid.uuid4()),
        "date": entry_date,
        "amount": amount,
        "notes": notes,
    })
    save_taxes(tax_data)

    # Add to the Taxes sinking fund balance
    funds = load_funds()
    for f in funds:
        if f["name"] == "Taxes":
            f["balance"] = round(float(f.get("balance", 0)) + amount, 2)
            break
    save_funds(funds)

    return redirect(url_for("taxes_view"))


@app.route("/taxes/set-aside/delete/<entry_id>", methods=["POST"])
def taxes_set_aside_delete(entry_id):
    tax_data = load_taxes()
    entry = next((e for e in tax_data.get("set_aside", []) if e["id"] == entry_id), None)
    if entry:
        # Subtract from the Taxes sinking fund
        funds = load_funds()
        for f in funds:
            if f["name"] == "Taxes":
                f["balance"] = round(max(float(f.get("balance", 0)) - float(entry.get("amount", 0)), 0), 2)
                break
        save_funds(funds)
    tax_data["set_aside"] = [e for e in tax_data.get("set_aside", []) if e["id"] != entry_id]
    save_taxes(tax_data)
    return redirect(url_for("taxes_view"))


@app.route("/taxes/rates", methods=["POST"])
def taxes_rates():
    tax_data = load_taxes()
    tax_data["rates"] = {
        "se_tax": float(request.form.get("se_tax") or 15.3),
        "federal": float(request.form.get("federal") or 22.0),
        "wi_state": float(request.form.get("wi_state") or 5.3),
    }
    save_taxes(tax_data)
    return redirect(url_for("taxes_view"))


@app.route("/net-worth")
def net_worth_view():
    accounts = load_nw_accounts()
    funds = load_funds()
    asset_data = load_assets()
    debts = load_debts()

    total_cash = sum(float(a.get("balance") or 0) for a in accounts)
    total_sinking = sum(float(f.get("balance") or 0) for f in funds)
    personal_cars = asset_data.get("personal", [])
    for car in personal_cars:
        car["display_name"] = car_display_name(car)
    total_vehicles = sum(float(c.get("estimated_value") or 0) for c in personal_cars)
    other_assets = asset_data.get("other_assets", [])
    total_other_assets = sum(float(a.get("value") or 0) for a in other_assets)
    total_assets = total_cash + total_sinking + total_vehicles + total_other_assets

    debts_by_cat = {cat: [] for cat in DEBT_CATEGORIES}
    debt_cat_totals = {cat: 0.0 for cat in DEBT_CATEGORIES}
    for d in debts:
        if not d.get("active", True):
            continue
        cat = d.get("debt_category", "Credit Cards")
        if cat in debts_by_cat:
            debts_by_cat[cat].append(d)
            debt_cat_totals[cat] += float(d.get("current_balance") or 0)
    total_debts = sum(debt_cat_totals.values())
    net_worth = round(total_assets - total_debts, 2)

    return render_template("net_worth.html",
        accounts=accounts,
        sinking_funds=funds,
        personal_cars=personal_cars,
        other_assets=other_assets,
        debts_by_cat=debts_by_cat,
        debt_cat_totals=debt_cat_totals,
        debt_categories=DEBT_CATEGORIES,
        total_cash=total_cash,
        total_sinking=total_sinking,
        total_vehicles=total_vehicles,
        total_other_assets=total_other_assets,
        total_assets=total_assets,
        total_debts=total_debts,
        net_worth=net_worth,
        owner_colors=OWNER_COLORS,
    )


@app.route("/net-worth/account/add", methods=["POST"])
def nw_account_add():
    import uuid
    accounts = load_nw_accounts()
    accounts.append({
        "id": str(uuid.uuid4())[:8],
        "name": request.form.get("name", "").strip(),
        "owner": request.form.get("owner", "Bonna"),
        "balance": float(request.form.get("balance") or 0),
    })
    save_nw_accounts(accounts)
    return redirect(url_for("net_worth_view"))


@app.route("/net-worth/account/update/<acc_id>", methods=["POST"])
def nw_account_update(acc_id):
    accounts = load_nw_accounts()
    for a in accounts:
        if a["id"] == acc_id:
            a["balance"] = float(request.form.get("balance") or 0)
            break
    save_nw_accounts(accounts)
    return jsonify({"ok": True})


@app.route("/net-worth/account/delete/<acc_id>", methods=["POST"])
def nw_account_delete(acc_id):
    accounts = load_nw_accounts()
    accounts = [a for a in accounts if a["id"] != acc_id]
    save_nw_accounts(accounts)
    return redirect(url_for("net_worth_view"))


@app.route("/month")
@app.route("/month/<int:year>/<int:month>")
def month_summary(year=None, month=None):
    today = date.today()
    year = year or today.year
    month = month or today.month
    mk = month_key(year, month)

    prev_month = month - 1 or 12
    prev_year = year if month > 1 else year - 1
    next_month = month % 12 + 1
    next_year = year if month < 12 else year + 1

    # --- Income ---
    log = load_income_log()
    month_income_entries = [e for e in log if e.get("month") == mk]
    income_by_stream = {}
    for e in month_income_entries:
        s = e["stream"]
        income_by_stream[s] = round(income_by_stream.get(s, 0) + float(e.get("amount", 0)), 2)
    total_income = sum(income_by_stream.values())

    # --- Transactions (categorized, date falls in this month) ---
    from dateutil import parser as date_parser
    all_txns = get_transactions()
    month_txns = []
    for t in all_txns:
        if not t.get("reviewed") or not t.get("category"):
            continue
        try:
            d = date_parser.parse(t["date"]).date()
        except Exception:
            continue
        if d.year == year and d.month == month:
            month_txns.append(t)

    skip_cats = {"Income", "Debt", "Transfer"}
    spending_by_cat = {}
    for t in month_txns:
        cat = t.get("category")
        if cat and cat not in skip_cats:
            spending_by_cat[cat] = round(spending_by_cat.get(cat, 0) + float(t.get("amount", 0)), 2)
    total_spending = sum(spending_by_cat.values())

    # --- Bills due this month ---
    monthly_bills = bills_for_month(year, month)
    total_bills = sum(float(b.get("amount") or 0) for b in monthly_bills)

    # --- Debt payments from debt log ---
    debt_log = load_debt_log()
    month_debt = debt_log.get(mk, {})
    debts = load_debts()
    debt_payments = []
    total_debt_paid = 0
    total_extra_paid = 0
    for d in debts:
        if not d.get("active", True):
            continue
        entry = month_debt.get(d["id"], {})
        payment = float(entry.get("payment", 0))
        minimum = float(d.get("minimum", 0))
        extra = max(round(payment - minimum, 2), 0)
        if payment > 0:
            debt_payments.append({"name": d["name"], "owner": d.get("owner",""), "payment": payment, "extra": extra})
            total_debt_paid += payment
            total_extra_paid += extra

    # Also pull extra debt payments from weekly log
    all_weekly = get_weekly()
    month_weekly = all_weekly.get(mk, {})
    extra_from_weekly = 0
    for wk_data in month_weekly.values():
        for debt_id, info in wk_data.get("extra_debt", {}).items():
            extra_from_weekly += float(info.get("extra") or 0)

    # --- Sinking fund contributions from weekly log ---
    sinking_contributions = {}
    for wk_data in month_weekly.values():
        for fund_name, info in wk_data.get("sinking", {}).items():
            amt = float(info.get("contributed") or 0)
            sinking_contributions[fund_name] = round(sinking_contributions.get(fund_name, 0) + amt, 2)
    total_sinking = sum(sinking_contributions.values())

    # --- Budgeted amounts from weekly ---
    budgeted_by_cat = {}
    for wk_data in month_weekly.values():
        for cat, info in wk_data.get("categories", {}).items():
            b = float(info.get("budgeted") or 0)
            budgeted_by_cat[cat] = round(budgeted_by_cat.get(cat, 0) + b, 2)

    # --- Net ---
    total_out = total_spending + total_bills + total_sinking
    net = round(total_income - total_out, 2)

    return render_template("month.html",
        year=year,
        month=month,
        month_name=cal_module.month_name[month],
        prev_year=prev_year, prev_month=prev_month,
        next_year=next_year, next_month=next_month,
        total_income=total_income,
        income_by_stream=income_by_stream,
        income_streams=INCOME_STREAMS,
        total_spending=total_spending,
        spending_by_cat=spending_by_cat,
        budgeted_by_cat=budgeted_by_cat,
        total_bills=total_bills,
        monthly_bills=monthly_bills,
        debt_payments=debt_payments,
        total_debt_paid=total_debt_paid,
        total_extra_paid=total_extra_paid,
        sinking_contributions=sinking_contributions,
        total_sinking=total_sinking,
        total_out=total_out,
        net=net,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
        owner_colors=INCOME_OWNER_COLORS,
    )


@app.route("/income")
@app.route("/income/<int:year>/<int:month>")
def income_view(year=None, month=None):
    today = date.today()
    year = year or today.year
    month = month or today.month

    by_stream, entries = income_by_month(year, month)
    ytd_by_stream, ytd_by_month = income_ytd(year)

    stream_names = [s["name"] for s in INCOME_STREAMS]
    month_total = sum(by_stream.values())
    ytd_total = sum(ytd_by_stream.values())

    # Build sorted month list for YTD chart
    sorted_months = sorted(ytd_by_month.keys())

    prev_month = month - 1 or 12
    prev_year = year if month > 1 else year - 1
    next_month = month % 12 + 1
    next_year = year if month < 12 else year + 1

    # Tax estimate for income page
    tax_data = load_taxes()
    tax_rates = tax_data.get("rates", {"se_tax": 15.3, "federal": 22.0, "wi_state": 5.3})
    ytd_se = sum(v for s, v in ytd_by_stream.items() if s != "Auto King")
    tax_estimate = compute_tax_estimate(ytd_total, tax_rates, se_income=ytd_se)
    all_funds = load_funds()
    tax_fund = next((f for f in all_funds if f["name"] == "Taxes"), None)
    tax_set_aside = round(float(tax_fund["balance"]) if tax_fund else 0, 2)
    tax_still_needed = round(max(tax_estimate["total"] - tax_set_aside, 0), 2)

    return render_template("income.html",
        year=year,
        month=month,
        month_name=cal_module.month_name[month],
        month_names=cal_module.month_name,
        prev_year=prev_year,
        prev_month=prev_month,
        next_year=next_year,
        next_month=next_month,
        income_streams=INCOME_STREAMS,
        by_stream=by_stream,
        entries=entries,
        month_total=month_total,
        ytd_by_stream=ytd_by_stream,
        ytd_by_month=ytd_by_month,
        sorted_months=sorted_months,
        ytd_total=ytd_total,
        owner_colors=INCOME_OWNER_COLORS,
        categories=CATEGORIES,
        colors=CATEGORY_COLORS,
        tax_estimate=tax_estimate,
        tax_set_aside=tax_set_aside,
        tax_still_needed=tax_still_needed,
    )


@app.route("/income/log", methods=["POST"])
def income_log():
    stream = request.form.get("stream")
    amount = float(request.form.get("amount") or 0)
    month_str = request.form.get("month_str")
    note = request.form.get("note", "")
    if stream and amount and month_str:
        log_income_entry(stream, amount, month_str, note)
    return redirect(request.referrer or url_for("income_view"))


@app.route("/income/backfill", methods=["POST"])
def income_backfill():
    year = int(request.form.get("year"))
    log = load_income_log()
    existing = {(e["stream"], e["month"]) for e in log}

    for m in range(1, 13):
        mk = income_month_key(year, m)
        for s in INCOME_STREAMS:
            field = f"amt_{m}_{s['name'].replace(' ', '_')}"
            val = request.form.get(field, "").strip()
            if not val:
                continue
            try:
                amount = float(val)
            except ValueError:
                continue
            if amount <= 0:
                continue
            if (s["name"], mk) in existing:
                continue
            log_income_entry(s["name"], amount, mk, note="backfill")
            existing.add((s["name"], mk))

    return redirect(url_for("income_view", year=year))


@app.route("/income/delete/<entry_id>", methods=["POST"])
def income_delete(entry_id):
    delete_income_entry(entry_id)
    year = request.form.get("year", date.today().year)
    month = request.form.get("month", date.today().month)
    return redirect(url_for("income_view", year=year, month=month))


@app.route("/settings", methods=["GET", "POST"])
def settings_view():
    current = load_settings()
    if request.method == "POST":
        new = dict(current)
        new["gmail_address"] = request.form.get("gmail_address", "").strip()
        new["reminder_recipient"] = request.form.get("reminder_recipient", "").strip()
        new["reminders_enabled"] = request.form.get("reminders_enabled") == "on"
        # Secret fields: only overwrite when a new value is supplied; a blank
        # field keeps the existing stored secret.
        pw = request.form.get("gmail_app_password", "").strip()
        if pw:
            new["gmail_app_password"] = pw
        save_settings(new)
        return redirect(url_for("settings_view", saved=1))
    # Never send secret values to the template — only whether each one is set.
    safe = {k: ("" if k in SECRET_KEYS else v) for k, v in current.items()}
    secrets_status = {k: bool(current.get(k)) for k in SECRET_KEYS}
    return render_template("settings.html", settings=safe,
                           secrets_status=secrets_status,
                           saved=request.args.get("saved"))


@app.route("/changelog")
def changelog_view():
    return render_template("changelog.html", changelog=CHANGELOG, app_version=APP_VERSION)


if __name__ == "__main__":
    app.run(debug=os.environ.get("FLASK_DEBUG") == "1", port=5000)