Moon-Household-Budget/debts.py

import json
import os
from datetime import date
import math
from storage import load_json, save_json

DATA_DIR = os.environ.get("DATA_DIR", os.path.join(os.path.dirname(__file__), "data"))
DEBTS_FILE = os.path.join(DATA_DIR, "debts.json")
DEBT_LOG_FILE = os.path.join(DATA_DIR, "debt_log.json")

DEBT_CATEGORIES = ["Credit Cards", "BNPL", "Medical Payment Plans"]

BNPL_FREQUENCIES = {
    "biweekly": 14,
    "monthly": 30,
    "4-payment": 14,
}


def simulate_payoff(debts, extra_monthly, method="avalanche"):
    import copy
    from datetime import date
    from dateutil.relativedelta import relativedelta

    # Only credit cards and medical debts with a balance
    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]
    if not active:
        return [], 0, 0, 0

    # Build working copies
    working = []
    for d in active:
        working.append({
            "id": d["id"],
            "name": d["name"],
            "owner": d.get("owner", ""),
            "balance": float(d.get("current_balance", 0)),
            "apr": float(d.get("apr", 0)),
            "minimum": float(d.get("minimum", 0)),
            "paid_off_month": None,
            "total_interest": 0,
            "total_paid": 0,
        })

    total_minimum = sum(w["minimum"] for w in working)
    extra = max(extra_monthly - total_minimum, 0)

    current_month = date.today().replace(day=1)
    total_interest = 0
    months = 0
    max_months = 600

    while any(w["balance"] > 0 for w in working) and months < max_months:
        months += 1
        current_month_label = current_month.strftime("%b %Y")

        # Sort target debt
        unpaid = [w for w in working if w["balance"] > 0]
        if method == "avalanche":
            unpaid.sort(key=lambda x: -x["apr"])
        else:
            unpaid.sort(key=lambda x: x["balance"])

        # Apply interest and minimums
        for w in unpaid:
            if w["balance"] <= 0:
                continue
            monthly_rate = (w["apr"] / 100) / 12
            interest = round(w["balance"] * monthly_rate, 2)
            w["balance"] = round(w["balance"] + interest, 2)
            w["total_interest"] += interest
            total_interest += interest
            payment = min(w["minimum"], w["balance"])
            w["balance"] = round(w["balance"] - payment, 2)
            w["total_paid"] += payment

        # Apply extra to target
        remaining_extra = extra
        for w in unpaid:
            if w["balance"] <= 0:
                continue
            extra_payment = min(remaining_extra, w["balance"])
            w["balance"] = round(w["balance"] - extra_payment, 2)
            w["total_paid"] += extra_payment
            remaining_extra -= extra_payment
            if remaining_extra <= 0:
                break

        # Roll over freed minimums as extra for next debt
        for w in working:
            if w["balance"] <= 0 and w["paid_off_month"] is None:
                w["paid_off_month"] = current_month_label
                extra += w["minimum"]

        from datetime import timedelta
        current_month = (current_month.replace(day=28) + timedelta(days=4)).replace(day=1)

    return working, round(total_interest, 2), months, round(total_minimum + extra_monthly, 2)


def bnpl_payoff_date(payments_made, total_payments, frequency_days):
    from datetime import date, timedelta
    today = date.today()
    remaining = total_payments - payments_made
    if remaining <= 0:
        return None, 0
    days = remaining * frequency_days
    payoff = today + timedelta(days=days)
    return payoff.strftime("%b %Y"), remaining

OWNER_COLORS = {
    "Bonna": "#D4B8C5",
    "Tony":  "#A0B8C5",
    "Both":  "#B8A8D4",
}


def load_debts():
    return load_json(DEBTS_FILE, [])


def save_debts(debts):
    save_json(DEBTS_FILE, debts)


def load_debt_log():
    return load_json(DEBT_LOG_FILE, {})


def save_debt_log(log):
    save_json(DEBT_LOG_FILE, log)


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


def monthly_interest(balance, apr):
    if not apr or apr <= 0:
        return 0
    return round(balance * (apr / 100) / 12, 2)


def payoff_months(balance, apr, monthly_payment, monthly_charges=0):
    if monthly_payment <= 0:
        return None
    if apr and apr > 0:
        monthly_rate = (apr / 100) / 12
    else:
        monthly_rate = 0

    b = balance
    months = 0
    while b > 0 and months < 600:
        b = b + (b * monthly_rate) + monthly_charges - monthly_payment
        months += 1
        if monthly_charges == 0 and b >= balance:
            return None
    return months if months < 600 else None


def get_debt_month(debt_id, year, month):
    log = load_debt_log()
    mk = month_key(year, month)
    return log.get(mk, {}).get(debt_id, {})


def update_debt_month(debt_id, year, month, data):
    log = load_debt_log()
    mk = month_key(year, month)
    log.setdefault(mk, {})[debt_id] = data
    save_debt_log(log)


def compute_ending_balance(debt, year, month):
    mk = month_key(year, month)
    log = load_debt_log()
    entry = log.get(mk, {}).get(debt["id"], {})

    starting = entry.get("starting_balance", debt.get("current_balance", 0))
    interest = entry.get("interest") if entry.get("interest") is not None else monthly_interest(starting, debt.get("apr", 0))
    new_charges = entry.get("new_charges", 0)
    payment = entry.get("payment", 0)

    ending = round(float(starting) + float(interest) + float(new_charges) - float(payment), 2)
    return max(ending, 0)