money/app_accounts.html

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<title>Savings &amp; Loans</title>
<style>
:root{--bg:#f6f7f9;--card:#fff;--ink:#1c2230;--mute:#667085;--line:#e4e7ec;--accent:#1f4fd8;--ok:#1a7f4b;--okbg:#e6f4ec;--bad:#b42318;--badbg:#fdeceb;--none:#eef0f3}
@media (prefers-color-scheme:dark){:root{--bg:#10131a;--card:#181c25;--ink:#e8ebf2;--mute:#9aa3b5;--line:#2a3040;--accent:#6c8cff;--ok:#5ad08f;--okbg:#14301f;--bad:#ff8a80;--badbg:#3a1a18;--none:#222838}}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:14px/1.45 -apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}
main{max-width:1000px;margin:0 auto;padding:24px 16px 64px}
h1{font-size:22px;margin:0}h2{font-size:16px;margin:0}.mute{color:var(--mute)}.row{display:flex;gap:10px;align-items:baseline;flex-wrap:wrap}.spacer{flex:1}
a{color:var(--accent);font-weight:600;text-decoration:none}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px;margin-bottom:16px}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:12px;margin:16px 0}
.kpi .l{font-size:12px;color:var(--mute)}.kpi .v{font-size:24px;font-weight:700;margin-top:2px}.kpi .s{font-size:12px;color:var(--mute)}
table{border-collapse:collapse;width:100%}th,td{padding:7px 8px;text-align:left;border-bottom:1px solid var(--line)}th{font-size:12px;color:var(--mute);font-weight:600}
td.n,th.n{text-align:right;font-variant-numeric:tabular-nums}
.big{font-size:26px;font-weight:700}
.chart{width:100%;height:120px;margin:10px 0}.chart polyline{fill:none;stroke:var(--accent);stroke-width:2}.chart circle{fill:var(--accent)}.chart text{fill:var(--mute);font-size:11px}
.facts{display:flex;gap:22px;flex-wrap:wrap;margin-top:4px}.facts div{font-size:12px;color:var(--mute)}.facts b{display:block;font-size:14px;color:var(--ink)}
.empty{text-align:center;padding:36px 16px}
.payoff{margin:14px 0 4px;padding:14px 16px;border:1px solid var(--line);border-radius:10px;background:var(--none)}
.payoff .big{font-size:22px}.payoff .row{align-items:center}.payoff input{width:90px;text-align:right;font:inherit;color:var(--ink);background:var(--card);border:1px solid var(--line);border-radius:8px;padding:5px 8px}
.payoff .win{color:var(--ok);font-weight:600}
.tabs{position:sticky;top:0;z-index:5;display:flex;gap:4px;margin:0 0 16px;padding:10px 0;background:var(--bg)}
.tabs a{flex:1;max-width:170px;text-align:center;padding:8px 14px;border:1px solid var(--line);border-radius:8px;background:var(--card);color:var(--mute);font-weight:600;font-size:14px;text-decoration:none}
.tabs a:hover{color:var(--ink)}.tabs a.on{background:var(--accent);border-color:var(--accent);color:#fff}
@media (max-width:560px){.tabs a{padding:8px 4px;font-size:13px}}
</style>
</head>
<body>
<main>
  <nav class="tabs"><a href="/">Statements</a><a href="/budget">Budget</a><a href="/dashboard">Dashboard</a><a href="/accounts" class="on" aria-current="page">Accounts</a></nav>
  <h1>Savings &amp; Loans</h1>
  <div class="mute" style="margin-top:2px">Balances from your statements. Kept completely separate from spending, the dashboard and the budget.</div>
  <div id="out"></div>
</main>
<script>
const $=s=>document.querySelector(s);
const money=(n,d=2)=>n==null?"–":(n<0?"-":"")+"$"+Math.abs(n).toLocaleString(undefined,{minimumFractionDigits:d,maximumFractionDigits:d});
const esc=s=>String(s??"").replace(/[&<>"]/g,c=>({"&":"&amp;","<":"&lt;",">":"&gt;",'"':"&quot;"}[c]));
const MON=["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"];
const dfmt=s=>{const d=new Date(s+"T12:00:00");return MON[d.getMonth()]+" "+d.getDate()+", "+d.getFullYear()};
const mshort=s=>{const d=new Date(s+"T12:00:00");return MON[d.getMonth()]+" "+String(d.getFullYear()).slice(2)};
function chart(pts){ // pts: [[date, balance]] oldest first
  if(pts.length<2)return"";
  const W=600,H=120,P=30,xs=pts.map((_,i)=>P+i*(W-2*P)/(pts.length-1));
  const lo=Math.min(...pts.map(p=>p[1])),hi=Math.max(...pts.map(p=>p[1])),sp=(hi-lo)||1;
  const ys=pts.map(p=>H-24-(p[1]-lo)/sp*(H-44));
  return `<svg class="chart" viewBox="0 0 ${W} ${H}" preserveAspectRatio="none"><polyline points="${xs.map((x,i)=>x+","+ys[i]).join(" ")}"/>`+
    xs.map((x,i)=>`<circle cx="${x}" cy="${ys[i]}" r="2.5"><title>${mshort(pts[i][0])}: ${money(pts[i][1])}</title></circle>`).join("")+
    `<text x="${P}" y="${H-6}">${mshort(pts[0][0])}</text><text x="${W-P}" y="${H-6}" text-anchor="end">${mshort(pts[pts.length-1][0])}</text></svg>`;
}
// Walk the loan forward month by month: interest = balance x rate/12, then the payment comes off (matches your statements to the cent).
function payoff(bal,rate,pay,extra,first){
  let n=0,interest=0,d=new Date(first+"T12:00:00");const day=d.getDate();
  while(bal>0.005&&n<1200){
    const i=bal*rate/1200,p=pay+extra;interest+=i;n++;
    if(p>=bal+i){bal=0;break}
    bal=bal+i-p;d=new Date(d.getFullYear(),d.getMonth()+1,Math.min(day,28));
    if(day>28){const last=new Date(d.getFullYear(),d.getMonth()+1,0).getDate();d.setDate(Math.min(day,last))}
  }
  return{n,interest,date:d,ok:bal<=0.005};
}
function togo(date){
  const now=new Date();let y=date.getFullYear()-now.getFullYear(),m=date.getMonth()-now.getMonth(),dd=date.getDate()-now.getDate();
  if(dd<0){m--;dd+=new Date(date.getFullYear(),date.getMonth(),0).getDate()}if(m<0){y--;m+=12}
  const part=(n,w)=>n?`${n} ${w}${n===1?"":"s"}`:"";
  return [part(y,"year"),part(m,"month"),part(dd,"day")].filter(Boolean).join(", ")||"today";
}
const dlong=d=>MON[d.getMonth()]+" "+d.getDate()+", "+d.getFullYear();
function payoffHTML(idx,L){
  if(!(L.balance>0&&L.rate&&L.payment))return"";
  return `<div class="payoff" id="po${idx}"><div class="mute" style="font-size:12px">At today’s rate and payment, this loan is paid off on</div><div class="big" id="pod${idx}"></div><div id="pot${idx}" style="margin-top:2px"></div>
    <div class="row" style="margin-top:10px"><label class="mute">What if I add $ <input type="number" min="0" step="25" value="0" id="poe${idx}"> extra each month?</label></div><div id="pow${idx}" style="margin-top:6px"></div></div>`;
}
function wirePayoff(idx,L){
  const el=$("#poe"+idx);if(!el)return;
  const first=L.due||L.date,base=payoff(L.balance,L.rate,L.payment,0,first);
  const run=()=>{
    const x=Math.max(0,+el.value||0),r=payoff(L.balance,L.rate,L.payment,x,first);
    $("#pod"+idx).textContent=dlong(base.date);
    $("#pot"+idx).innerHTML=`<b>${togo(base.date)}</b> to go · ${base.n} payments left · about ${money(base.interest,0)} interest still to pay`;
    const k=base.n-r.n;
    $("#pow"+idx).innerHTML=x>0&&r.ok?`<span class="win">Paid off ${dlong(r.date)}: ${Math.floor(k/12)} yr ${k%12} mo sooner, saving about ${money(base.interest-r.interest,0)} in interest.</span>`:"";
  };
  el.oninput=run;run();
}
async function load(){
  const j=await (await fetch("/api/accounts")).json();
  if(j.error){$("#out").innerHTML=`<div class="card" style="color:var(--bad)">${esc(j.error)}</div>`;return}
  if(j.setup){$("#out").innerHTML=`<div class="card empty">Bills_Tracker.xlsx isn’t in the data folder yet. <a href="/">Set it up on the Statements tab.</a></div>`;return}
  if(!j.rows.length){$("#out").innerHTML=`<div class="card empty"><b>No savings or loan balances recorded yet.</b><div class="mute" style="margin-top:6px">Add your Ally, CVFCU or mortgage statements on the <a href="/">Statements</a> tab. When it says savings / loan balances will be recorded, click <b>Add to workbook</b>.</div></div>`;return}
  const by={};j.rows.forEach(r=>(by[r.account]=by[r.account]||[]).push(r));
  const accts=Object.entries(by).map(([name,rs])=>{rs.sort((a,b)=>a.date<b.date?-1:1);return{name,rs,last:rs[rs.length-1],first:rs[0],group:rs[0].group}});
  const sav=accts.filter(a=>a.group!=="Loan"),loan=accts.filter(a=>a.group==="Loan");
  const sum=(l,f)=>l.reduce((t,a)=>t+(f(a)||0),0);
  let h=`<div class="kpis">
    <div class="card kpi" style="margin:0"><div class="l">Savings total</div><div class="v">${money(sum(sav,a=>a.last.balance))}</div><div class="s">${sav.length} account${sav.length===1?"":"s"}</div></div>
    <div class="card kpi" style="margin:0"><div class="l">Interest earned this year</div><div class="v">${money(sum(sav,a=>a.last.ytd))}</div><div class="s">savings accounts</div></div>
    <div class="card kpi" style="margin:0"><div class="l">Loan balance</div><div class="v">${money(sum(loan,a=>a.last.balance))}</div><div class="s">${loan.length?"owed":"no loans recorded"}</div></div>
    <div class="card kpi" style="margin:0"><div class="l">Loan interest this year</div><div class="v">${money(sum(loan,a=>a.last.ytd))}</div><div class="s">paid so far</div></div></div>`;
  for(const a of [...loan,...sav]){
    const isLoan=a.group==="Loan",rs=a.rs,L=a.last,ch=L.balance-a.first.balance;
    h+=`<div class="card"><div class="row"><h2>${esc(a.name)}</h2><span class="mute">${isLoan?"loan":"savings"} · as of ${dfmt(L.date)}</span><div class="spacer"></div><div class="big">${money(L.balance)}</div></div>`;
    h+=`<div class="facts">`;
    if(rs.length>1)h+=`<div>Since ${mshort(a.first.date)}<b style="color:${(isLoan?ch<0:ch>=0)?"var(--ok)":"var(--bad)"}">${ch>0?"+":""}${money(ch)}</b></div>`;
    if(isLoan){if(L.rate!=null)h+=`<div>Interest rate<b>${L.rate}%</b></div>`;if(L.payment!=null)h+=`<div>Monthly payment<b>${money(L.payment)}</b></div>`;if(L.due)h+=`<div>Next due<b>${dfmt(L.due)}</b></div>`;
      const pr=rs.reduce((t,r)=>t+(r.principal||0),0),it=rs.reduce((t,r)=>t+(r.interest||0),0);h+=`<div>Principal paid (${rs.length} mo)<b>${money(pr)}</b></div><div>Interest paid (${rs.length} mo)<b>${money(it)}</b></div>`}
    else{h+=`<div>Interest this year<b>${money(L.ytd)}</b></div>`;if(L.rate)h+=`<div>APY earned<b>${L.rate}%</b></div>`}
    h+=`</div>${isLoan?payoffHTML(a.name.replace(/\W+/g,"_"),L):""}${chart(rs.map(r=>[r.date,r.balance]))}`;
    h+=`<div style="overflow-x:auto"><table><tr><th>Statement</th><th class="n">Balance</th><th class="n">Interest</th>${isLoan?'<th class="n">Principal</th><th class="n">Payment</th>':'<th class="n">Deposits</th><th class="n">Withdrawals</th>'}</tr>`+
      rs.slice().reverse().slice(0,12).map(r=>`<tr><td>${dfmt(r.date)}</td><td class="n">${money(r.balance)}</td><td class="n">${money(r.interest)}</td>${isLoan?`<td class="n">${money(r.principal)}</td><td class="n">${money(r.payment)}</td>`:`<td class="n">${money(r.deposits)}</td><td class="n">${money(r.withdrawals)}</td>`}</tr>`).join("")+`</table></div></div>`;
  }
  $("#out").innerHTML=h;
  for(const a of loan)wirePayoff(a.name.replace(/\W+/g,"_"),a.last);
}
load();
</script>
</body>
</html>