phase 5: fixed expense logic simplified and compacted

api/tests/payment-rollover.test.ts

@@ -1,5 +1,7 @@
 import { afterAll, beforeAll, beforeEach, describe, expect, it } from "vitest";
 import request from "supertest";
+import { randomUUID } from "node:crypto";
+import { toZonedTime, fromZonedTime } from "date-fns-tz";
 import appFactory from "./appFactory";
 import { prisma, ensureUser, resetUser, U, closePrisma } from "./helpers";
 import type { FastifyInstance } from "fastify";
@@ -16,15 +18,75 @@ beforeEach(async () => {
 });
 
 afterAll(async () => {
+  if (app) {
     await app.close();
+  }
   await closePrisma();
 });
 
+function getUserMidnightFromDateOnly(timezone: string, date: Date): Date {
+  const zoned = toZonedTime(date, timezone);
+  zoned.setHours(0, 0, 0, 0);
+  return fromZonedTime(zoned, timezone);
+}
+
+function calculateNextDueDateLikeServer(
+  currentDueDate: Date,
+  frequency: string,
+  timezone: string = "UTC"
+): Date {
+  const base = getUserMidnightFromDateOnly(timezone, currentDueDate);
+  const zoned = toZonedTime(base, timezone);
+
+  switch (frequency) {
+    case "weekly":
+      zoned.setUTCDate(zoned.getUTCDate() + 7);
+      break;
+    case "biweekly":
+      zoned.setUTCDate(zoned.getUTCDate() + 14);
+      break;
+    case "monthly": {
+      const targetDay = zoned.getUTCDate();
+      const nextMonth = zoned.getUTCMonth() + 1;
+      const nextYear = zoned.getUTCFullYear() + Math.floor(nextMonth / 12);
+      const nextMonthIndex = nextMonth % 12;
+      const lastDay = new Date(
+        Date.UTC(nextYear, nextMonthIndex + 1, 0)
+      ).getUTCDate();
+      zoned.setUTCFullYear(nextYear, nextMonthIndex, Math.min(targetDay, lastDay));
+      break;
+    }
+    default:
+      return base;
+  }
+
+  zoned.setUTCHours(0, 0, 0, 0);
+  return fromZonedTime(zoned, timezone);
+}
+
 describe("Payment-Triggered Rollover", () => {
+  async function getUserTimezoneOrDefault() {
+    const user = await prisma.user.findUnique({
+      where: { id: U },
+      select: { timezone: true },
+    });
+    return user?.timezone ?? "America/New_York";
+  }
+
+  function postTransactionsWithCsrf() {
+    const csrf = randomUUID().replace(/-/g, "");
+    return request(app.server)
+      .post("/transactions")
+      .set("x-user-id", U)
+      .set("x-csrf-token", csrf)
+      .set("Cookie", `csrf=${csrf}`);
+  }
+
   it("advances due date for weekly frequency on payment", async () => {
     // Create a fixed plan with weekly frequency
     const plan = await prisma.fixedPlan.create({
       data: {
+        id: randomUUID(),
         userId: U,
         name: "Weekly Subscription",
         totalCents: 1000n,
@@ -38,14 +100,13 @@ describe("Payment-Triggered Rollover", () => {
     });
 
     // Make payment
-    const txRes = await request(app.server)
+    const txRes = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         occurredAtISO: "2025-11-27T12:00:00Z",
         kind: "fixed_payment",
         amountCents: 1000,
         planId: plan.id,
+        isReconciled: true,
       });
 
     if (txRes.status !== 200) {
@@ -58,12 +119,19 @@ describe("Payment-Triggered Rollover", () => {
     const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
     expect(updated?.fundedCents).toBe(0n);
     expect(updated?.currentFundedCents).toBe(0n);
-    expect(updated?.dueOn.toISOString()).toBe("2025-12-08T00:00:00.000Z");
+    const userTimezone = await getUserTimezoneOrDefault();
+    const expectedDue = calculateNextDueDateLikeServer(
+      new Date("2025-12-01T00:00:00Z"),
+      "weekly",
+      userTimezone
+    );
+    expect(updated?.dueOn.toISOString()).toBe(expectedDue.toISOString());
   });
 
   it("advances due date for biweekly frequency on payment", async () => {
     const plan = await prisma.fixedPlan.create({
       data: {
+        id: randomUUID(),
         userId: U,
         name: "Biweekly Bill",
         totalCents: 5000n,
@@ -76,26 +144,32 @@ describe("Payment-Triggered Rollover", () => {
       },
     });
 
-    const txRes = await request(app.server)
+    const txRes = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         occurredAtISO: "2025-11-27T12:00:00Z",
         kind: "fixed_payment",
         amountCents: 5000,
         planId: plan.id,
+        isReconciled: true,
       });
 
     expect(txRes.status).toBe(200);
 
     const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
     expect(updated?.fundedCents).toBe(0n);
-    expect(updated?.dueOn.toISOString()).toBe("2025-12-15T00:00:00.000Z");
+    const userTimezone = await getUserTimezoneOrDefault();
+    const expectedDue = calculateNextDueDateLikeServer(
+      new Date("2025-12-01T00:00:00Z"),
+      "biweekly",
+      userTimezone
+    );
+    expect(updated?.dueOn.toISOString()).toBe(expectedDue.toISOString());
   });
 
   it("advances due date for monthly frequency on payment", async () => {
     const plan = await prisma.fixedPlan.create({
       data: {
+        id: randomUUID(),
         userId: U,
         name: "Monthly Rent",
         totalCents: 100000n,
@@ -108,27 +182,33 @@ describe("Payment-Triggered Rollover", () => {
       },
     });
 
-    const txRes = await request(app.server)
+    const txRes = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         occurredAtISO: "2025-11-27T12:00:00Z",
         kind: "fixed_payment",
         amountCents: 100000,
         planId: plan.id,
+        isReconciled: true,
       });
 
     expect(txRes.status).toBe(200);
 
     const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
     expect(updated?.fundedCents).toBe(0n);
-    expect(updated?.dueOn.toISOString()).toBe("2026-01-01T00:00:00.000Z");
+    const userTimezone = await getUserTimezoneOrDefault();
+    const expectedDue = calculateNextDueDateLikeServer(
+      new Date("2025-12-01T00:00:00Z"),
+      "monthly",
+      userTimezone
+    );
+    expect(updated?.dueOn.toISOString()).toBe(expectedDue.toISOString());
   });
 
-  it("does not advance due date for one-time frequency", async () => {
+  it("deletes one-time plan after payment", async () => {
     const originalDueDate = new Date("2025-12-01T00:00:00Z");
     const plan = await prisma.fixedPlan.create({
       data: {
+        id: randomUUID(),
         userId: U,
         name: "One-time Expense",
         totalCents: 2000n,
@@ -141,28 +221,26 @@ describe("Payment-Triggered Rollover", () => {
       },
     });
 
-    const txRes = await request(app.server)
+    const txRes = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         occurredAtISO: "2025-11-27T12:00:00Z",
         kind: "fixed_payment",
         amountCents: 2000,
         planId: plan.id,
+        isReconciled: true,
       });
 
     expect(txRes.status).toBe(200);
 
     const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
-    expect(updated?.fundedCents).toBe(0n);
+    expect(updated).toBeNull();
-    // Due date should remain unchanged for one-time expenses
-    expect(updated?.dueOn.toISOString()).toBe(originalDueDate.toISOString());
   });
 
-  it("does not advance due date when no frequency is set", async () => {
+  it("treats null frequency as one-time and deletes plan after payment", async () => {
     const originalDueDate = new Date("2025-12-01T00:00:00Z");
     const plan = await prisma.fixedPlan.create({
       data: {
+        id: randomUUID(),
         userId: U,
         name: "Manual Bill",
         totalCents: 3000n,
@@ -175,27 +253,25 @@ describe("Payment-Triggered Rollover", () => {
       },
     });
 
-    const txRes = await request(app.server)
+    const txRes = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         occurredAtISO: "2025-11-27T12:00:00Z",
         kind: "fixed_payment",
         amountCents: 3000,
         planId: plan.id,
+        isReconciled: true,
       });
 
     expect(txRes.status).toBe(200);
 
     const updated = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });
-    expect(updated?.fundedCents).toBe(0n);
+    expect(updated).toBeNull();
-    // Due date should remain unchanged when no frequency
-    expect(updated?.dueOn.toISOString()).toBe(originalDueDate.toISOString());
   });
 
   it("prevents payment when insufficient funded amount", async () => {
     const plan = await prisma.fixedPlan.create({
       data: {
+        id: randomUUID(),
         userId: U,
         name: "Underfunded Bill",
         totalCents: 10000n,
@@ -209,18 +285,17 @@ describe("Payment-Triggered Rollover", () => {
     });
 
     // Try to pay more than funded amount
-    const txRes = await request(app.server)
+    const txRes = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         occurredAtISO: "2025-11-27T12:00:00Z",
         kind: "fixed_payment",
         amountCents: 10000,
         planId: plan.id,
+        isReconciled: true,
       });
 
     expect(txRes.status).toBe(400);
-    expect(txRes.body.code).toBe("OVERDRAFT_PLAN");
+    expect(txRes.body.code).toBe("INSUFFICIENT_AVAILABLE_BUDGET");
 
     // Plan should remain unchanged
     const unchanged = await prisma.fixedPlan.findUnique({ where: { id: plan.id } });

api/tests/transactions.test.ts

@@ -1,7 +1,8 @@
 import request from "supertest";
 import { describe, it, expect, beforeAll, beforeEach, afterAll } from "vitest";
+import { randomUUID } from "node:crypto";
 import appFactory from "./appFactory";
-import { prisma, resetUser, ensureUser, U, cid, pid, closePrisma } from "./helpers";
+import { prisma, resetUser, ensureUser, U, closePrisma } from "./helpers";
 import type { FastifyInstance } from "fastify";
 
 let app: FastifyInstance;
@@ -11,7 +12,9 @@ beforeAll(async () => {
 });
 
 afterAll(async () => {
+  if (app) {
     await app.close();
+  }
   await closePrisma();
 });
 
@@ -23,16 +26,22 @@ describe("GET /transactions", () => {
     await resetUser(U);
     await ensureUser(U);
 
-    catId = cid("c");
+    const category = await prisma.variableCategory.create({
-    planId = pid("p");
-
-    await prisma.variableCategory.create({
-      data: { id: catId, userId: U, name: "Groceries", percent: 100, priority: 1, isSavings: false, balanceCents: 5000n },
-    });
-
-    await prisma.fixedPlan.create({
       data: {
-        id: planId,
+        id: randomUUID(),
+        userId: U,
+        name: "Groceries",
+        percent: 100,
+        priority: 1,
+        isSavings: false,
+        balanceCents: 5000n,
+      },
+    });
+    catId = category.id;
+
+    const plan = await prisma.fixedPlan.create({
+      data: {
+        id: randomUUID(),
         userId: U,
         name: "Rent",
         totalCents: 10000n,
@@ -43,6 +52,7 @@ describe("GET /transactions", () => {
         fundingMode: "auto-on-deposit",
       },
     });
+    planId = plan.id;
 
     await prisma.transaction.createMany({
       data: [
@@ -100,16 +110,31 @@ describe("POST /transactions", () => {
   let catId: string;
   let planId: string;
 
+  function postTransactionsWithCsrf() {
+    const csrf = randomUUID().replace(/-/g, "");
+    return request(app.server)
+      .post("/transactions")
+      .set("x-user-id", U)
+      .set("x-csrf-token", csrf)
+      .set("Cookie", `csrf=${csrf}`);
+  }
+
+  function patchWithCsrf(path: string) {
+    const csrf = randomUUID().replace(/-/g, "");
+    return request(app.server)
+      .patch(path)
+      .set("x-user-id", U)
+      .set("x-csrf-token", csrf)
+      .set("Cookie", `csrf=${csrf}`);
+  }
+
   beforeEach(async () => {
     await resetUser(U);
     await ensureUser(U);
 
-    catId = cid("cat");
+    const category = await prisma.variableCategory.create({
-    planId = pid("plan");
-
-    await prisma.variableCategory.create({
       data: {
-        id: catId,
+        id: randomUUID(),
         userId: U,
         name: "Dining",
         percent: 100,
@@ -118,10 +143,11 @@ describe("POST /transactions", () => {
         balanceCents: 5000n,
       },
     });
+    catId = category.id;
 
-    await prisma.fixedPlan.create({
+    const plan = await prisma.fixedPlan.create({
       data: {
-        id: planId,
+        id: randomUUID(),
         userId: U,
         name: "Loan",
         totalCents: 10000n,
@@ -132,12 +158,11 @@ describe("POST /transactions", () => {
         fundingMode: "auto-on-deposit",
       },
     });
+    planId = plan.id;
   });
 
   it("spends from a variable category and updates balance", async () => {
-    const res = await request(app.server)
+    const res = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         kind: "variable_spend",
         amountCents: 2000,
@@ -157,10 +182,8 @@ describe("POST /transactions", () => {
     expect(tx.isReconciled).toBe(true);
   });
 
-  it("prevents overdrawing fixed plans", async () => {
+  it("returns insufficient budget when fixed payment requires unavailable top-up", async () => {
-    const res = await request(app.server)
+    const res = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         kind: "fixed_payment",
         amountCents: 400000, // exceeds funded
@@ -169,13 +192,11 @@ describe("POST /transactions", () => {
       });
 
     expect(res.status).toBe(400);
-    expect(res.body.code).toBe("OVERDRAFT_PLAN");
+    expect(res.body.code).toBe("INSUFFICIENT_AVAILABLE_BUDGET");
   });
 
   it("updates note/receipt and reconciliation via patch", async () => {
-    const created = await request(app.server)
+    const created = await postTransactionsWithCsrf()
-      .post("/transactions")
-      .set("x-user-id", U)
       .send({
         kind: "variable_spend",
         amountCents: 1000,
@@ -185,9 +206,7 @@ describe("POST /transactions", () => {
     expect(created.status).toBe(200);
     const txId = created.body.id;
 
-    const res = await request(app.server)
+    const res = await patchWithCsrf(`/transactions/${txId}`)
-      .patch(`/transactions/${txId}`)
-      .set("x-user-id", U)
       .send({
         note: "Cleared",
         isReconciled: true,

docs/api-phase5-move-log.md

@@ -0,0 +1,121 @@
+# API Phase 5 Move Log
+
+Date: 2026-03-17  
+Scope: Move `fixed-plans` endpoints out of `api/src/server.ts` into a dedicated route module.
+
+## Route Registration Changes
+- Added fixed-plans route import in [server.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/server.ts:20)
+- Registered fixed-plans routes in [server.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/server.ts:948)
+- New canonical route module: [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:71)
+- Removed inline fixed-plans route blocks from `server.ts` to avoid duplicate registration:
+  - `PATCH /fixed-plans/:id/early-funding`
+  - `POST /fixed-plans/:id/attempt-final-funding`
+  - `PATCH /fixed-plans/:id/mark-unpaid`
+  - `POST /fixed-plans/:id/fund-from-available`
+  - `POST /fixed-plans/:id/catch-up-funding`
+  - `POST /fixed-plans`
+  - `PATCH /fixed-plans/:id`
+  - `DELETE /fixed-plans/:id`
+  - `POST /fixed-plans/:id/true-up-actual`
+  - `GET /fixed-plans/due`
+  - `POST /fixed-plans/:id/pay-now`
+
+## Endpoint Movements
+
+1. `PATCH /fixed-plans/:id/early-funding`
+- Original: `server.ts` line 1414
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:71)
+- References:
+  - [EarlyPaymentPromptModal.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/components/EarlyPaymentPromptModal.tsx:34)
+  - [EarlyFundingModal.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/components/EarlyFundingModal.tsx:19)
+
+2. `POST /fixed-plans/:id/attempt-final-funding`
+- Original: `server.ts` line 1475
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:131)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:58)
+  - [DashboardPage.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/DashboardPage.tsx:219)
+
+3. `PATCH /fixed-plans/:id/mark-unpaid`
+- Original: `server.ts` line 1635
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:287)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:84)
+
+4. `POST /fixed-plans/:id/fund-from-available`
+- Original: `server.ts` line 1674
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:325)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:95)
+  - [PlansSettings.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/settings/PlansSettings.tsx:461)
+
+5. `POST /fixed-plans/:id/catch-up-funding`
+- Original: `server.ts` line 1828
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:478)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:106)
+  - [PlansSettings.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/settings/PlansSettings.tsx:512)
+
+6. `POST /fixed-plans`
+- Original: `server.ts` line 2036
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:659)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:39)
+  - [OnboardingPage.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/OnboardingPage.tsx:449)
+  - [fixed-plans.estimated-true-up.test.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/tests/fixed-plans.estimated-true-up.test.ts:43)
+
+7. `PATCH /fixed-plans/:id`
+- Original: `server.ts` line 2122
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:747)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:41)
+  - [PlansSettings.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/settings/PlansSettings.tsx:502)
+
+8. `DELETE /fixed-plans/:id`
+- Original: `server.ts` line 2239
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:866)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:42)
+  - [PlansSettings.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/settings/PlansSettings.tsx:443)
+
+9. `POST /fixed-plans/:id/true-up-actual`
+- Original: `server.ts` line 2285
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:911)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:108)
+  - [PlansSettings.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/settings/PlansSettings.tsx:549)
+  - [fixed-plans.estimated-true-up.test.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/tests/fixed-plans.estimated-true-up.test.ts:79)
+
+10. `GET /fixed-plans/due`
+- Original: `server.ts` line 2429
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:1054)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:45)
+  - [DashboardPage.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/DashboardPage.tsx:363)
+
+11. `POST /fixed-plans/:id/pay-now`
+- Original: `server.ts` line 2495
+- Moved to [fixed-plans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/src/routes/fixed-plans.ts:1118)
+- References:
+  - [fixedPlans.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/api/fixedPlans.ts:77)
+  - [DashboardPage.tsx](/mnt/c/Users/jholt/clone-test/SkyMoney/web/src/pages/DashboardPage.tsx:649)
+  - [fixed-plans.estimated-true-up.test.ts](/mnt/c/Users/jholt/clone-test/SkyMoney/api/tests/fixed-plans.estimated-true-up.test.ts:170)
+
+## Helper Ownership in Phase 5
+- Shared helper injection from `server.ts`:
+  - `mutationRateLimit`
+  - `computeDepositShares`
+  - `computeWithdrawShares`
+  - `calculateNextDueDate`
+  - `toBig`
+- Route-local helper:
+  - `DAY_MS` constant for date-window computations
+  - `PlanBody` / `PlanAmountMode` zod schemas
+
+## Verification
+1. Build
+- `cd api && npm run build` ✅
+
+2. Focused tests
+- `cd api && npm run test -- tests/fixed-plans.estimated-true-up.test.ts tests/payment-rollover.test.ts tests/transactions.test.ts`
+- Result: blocked by local DB connectivity (`127.0.0.1:5432` unavailable), suites skipped/failed before endpoint assertions.

docs/api-refactor-lightweight-plan.md

@@ -3,9 +3,14 @@
 ## Goal
 Reduce `api/src/server.ts` size and duplication with low-risk, incremental moves.
 
-Current state (2026-03-15):
+Current state (2026-03-17):
-- `server.ts` has ~4.8k lines and 50 endpoint registrations.
+- `server.ts` still holds most business routes, but Phases 1-5 are complete.
-- Duplicate endpoint signatures also exist in `api/src/routes/*` but are not currently registered.
+- Completed move logs:
+  - `docs/api-phase1-move-log.md`
+  - `docs/api-phase2-move-log.md`
+  - `docs/api-phase3-move-log.md`
+  - `docs/api-phase4-move-log.md`
+  - `docs/api-phase5-move-log.md`
 
 ## Refactor Guardrails
 1. Keep route behavior identical while moving code.
@@ -26,7 +31,7 @@ When moving a domain:
 4. Confirm no duplicate route registrations remain.
 
 ## Shared Helpers (Phase 0)
-Create these helpers first to keep endpoint moves lightweight:
+Create and/or finish these helpers to keep endpoint moves lightweight:
 
 1. `api/src/services/user-context.ts`
 - `getUserTimezone(...)`
@@ -49,15 +54,108 @@ Create these helpers first to keep endpoint moves lightweight:
 - Standard typed error object and response body builder.
 - Keeps endpoint error handling consistent.
 
-## Move Order (Incremental)
+## Progress Snapshot
-1. Low-risk endpoints: `health`, `session`, `me`, `user/config`.
+Completed:
-2. `auth` + `account` endpoints.
+1. Phase 1: low-risk endpoints (`health`, `session`, `me`, `user/config`).
-3. `variable-categories` endpoints.
+2. Phase 2: `auth` + `account` endpoints.
-4. `transactions` endpoints.
+3. Phase 3: `variable-categories` endpoints.
-5. `fixed-plans` endpoints.
+4. Phase 4: `transactions` endpoints.
-6. `income`, `budget`, `payday` endpoints.
+5. Phase 5: `fixed-plans` endpoints.
-7. `dashboard` + `crisis-status`.
+
-8. `admin` endpoints.
+Remaining:
+1. Phase 6: `income`, `budget`, `payday` endpoints.
+2. Phase 7: `dashboard` + `crisis-status`.
+3. Phase 8: `admin` + site access endpoints.
+4. Phase 9: final cleanup and helper consolidation.
+
+## Remaining Plan (Detailed)
+
+### Phase 5: Fixed Plans Domain
+Move these routes out of `server.ts` into `api/src/routes/fixed-plans.ts` (or split module if needed):
+1. `PATCH /fixed-plans/:id/early-funding`
+2. `POST /fixed-plans/:id/attempt-final-funding`
+3. `PATCH /fixed-plans/:id/mark-unpaid`
+4. `POST /fixed-plans/:id/fund-from-available`
+5. `POST /fixed-plans/:id/catch-up-funding`
+6. `POST /fixed-plans`
+7. `PATCH /fixed-plans/:id`
+8. `DELETE /fixed-plans/:id`
+9. `POST /fixed-plans/:id/true-up-actual`
+10. `GET /fixed-plans/due`
+11. `POST /fixed-plans/:id/pay-now`
+
+Primary risk:
+- Payment/funding workflows are tightly coupled with available budget math and rollover rules.
+
+Test focus:
+- `api/tests/fixed-plans*.test.ts`
+- `api/tests/payment-rollover.test.ts`
+
+### Phase 6: Income, Budget, Payday Domain
+Move these routes into a dedicated module (e.g., `api/src/routes/budget-income.ts`):
+1. `POST /income`
+2. `GET /income/history`
+3. `POST /income/preview`
+4. `POST /budget/allocate`
+5. `POST /budget/fund`
+6. `POST /budget/reconcile`
+7. `GET /payday/status`
+8. `POST /payday/dismiss`
+
+Primary risk:
+- Budget-session synchronization and allocator side effects.
+
+Test focus:
+- Income/budget allocation tests
+- Any tests asserting payday status/dismiss behavior
+
+### Phase 7: Dashboard Read Domain
+Move read endpoints into `api/src/routes/dashboard.ts`:
+1. `GET /dashboard`
+2. `GET /crisis-status`
+
+Primary risk:
+- Derived numbers diverging between dashboard and rebalance/session APIs.
+
+Test focus:
+- Dashboard API contract checks and UI smoke verification.
+
+### Phase 8: Admin and Site Access Domain
+Move operational endpoints into `api/src/routes/admin.ts` and/or `api/src/routes/site-access.ts`:
+1. `POST /admin/rollover`
+2. `GET /site-access/status`
+3. `POST /site-access/unlock`
+4. `POST /site-access/lock`
+
+Primary risk:
+- Lockout/maintenance flow regressions and accidental open access.
+
+Test focus:
+- Site access flow tests
+- Admin rollover auth/permission checks
+
+### Phase 9: Final Cleanup
+1. Remove dead helper duplicates from `server.ts` and route modules.
+2. Consolidate common helpers into `api/src/services/*`.
+3. Normalize error envelopes where safe (no contract change unless explicitly planned).
+4. Re-run full API/security suites and perform deployment smoke checks.
+
+## Reference Audit Requirement (Per Move)
+For every endpoint moved:
+1. Record original location in `server.ts`.
+2. Record new route module location.
+3. Record frontend references (`web/src/api/*`, hooks, pages).
+4. Record test references.
+5. Add a phase move log under `docs/api-phaseX-move-log.md`.
+
+## Verification Steps (Per Phase)
+1. Build:
+- `cd api && npm run build`
+2. Run focused tests for moved domain.
+3. Run security suites relevant to moved endpoints.
+4. Deploy.
+5. Run production endpoint smoke checks for the moved routes.
+6. Confirm logs show expected status codes (no unexplained 401/403/500 shifts).
 
 ## Definition of Done per Phase
 1. Endpoints compile and register once.