SkyMoney/api/tests/fixed-plans.estimated-true-up.test.ts

import { afterAll, beforeAll, beforeEach, describe, expect, it } from "vitest";
import request from "supertest";
import type { FastifyInstance } from "fastify";
import { buildApp } from "../src/server";
import { prisma, ensureUser, resetUser, U, closePrisma } from "./helpers";

let app: FastifyInstance;
const CSRF = "test-csrf";

function mutate(path: string) {
  return request(app.server)
    .post(path)
    .set("x-user-id", U)
    .set("x-csrf-token", CSRF)
    .set("Cookie", [`csrf=${CSRF}`]);
}

beforeAll(async () => {
  app = await buildApp({ AUTH_DISABLED: true, SEED_DEFAULT_BUDGET: false });
  await app.ready();
});

beforeEach(async () => {
  await resetUser(U);
  await ensureUser(U);
  await prisma.variableCategory.createMany({
    data: [
      { userId: U, name: "Essentials", percent: 60, priority: 10, balanceCents: 10_000n },
      { userId: U, name: "Savings", percent: 40, priority: 20, balanceCents: 10_000n, isSavings: true },
    ],
  });
});

afterAll(async () => {
  if (app) await app.close();
  await closePrisma();
});

describe("estimated fixed plans true-up", () => {
  it("creates estimated mode plans with estimate fields", async () => {
    const dueOn = new Date("2026-04-01T00:00:00.000Z").toISOString();

    const res = await mutate("/fixed-plans").send({
      name: "Water",
      amountMode: "estimated",
      estimatedCents: 12000,
      totalCents: 12000,
      fundedCents: 0,
      priority: 10,
      dueOn,
      frequency: "monthly",
      autoPayEnabled: false,
    });

    expect(res.status).toBe(201);
    const created = await prisma.fixedPlan.findUniqueOrThrow({ where: { id: res.body.id } });
    expect(created.amountMode).toBe("estimated");
    expect(Number(created.estimatedCents ?? 0n)).toBe(12000);
    expect(Number(created.totalCents ?? 0n)).toBe(12000);
  });

  it("true-up deficit auto-pulls from available budget and leaves remaining shortfall", async () => {
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Water Deficit",
        amountMode: "estimated",
        estimatedCents: 10000n,
        totalCents: 10000n,
        fundedCents: 6000n,
        currentFundedCents: 6000n,
        priority: 10,
        cycleStart: new Date("2026-03-01T00:00:00.000Z"),
        dueOn: new Date("2026-04-01T00:00:00.000Z"),
        frequency: "monthly",
      },
    });

    const res = await mutate(`/fixed-plans/${plan.id}/true-up-actual`).send({ actualCents: 23000 });

    expect(res.status).toBe(200);
    expect(res.body.deltaCents).toBe(13000);
    expect(res.body.autoPulledCents).toBe(13000);
    expect(res.body.remainingShortfallCents).toBe(4000);

    const updated = await prisma.fixedPlan.findUniqueOrThrow({ where: { id: plan.id } });
    expect(Number(updated.totalCents ?? 0n)).toBe(23000);
    expect(Number(updated.currentFundedCents ?? 0n)).toBe(19000);
    expect(Number(updated.actualCents ?? 0n)).toBe(23000);
    expect(updated.actualCycleDueOn?.toISOString()).toBe(updated.dueOn.toISOString());
    expect(updated.actualRecordedAt).toBeTruthy();
  });

  it("true-up surplus refunds funded excess back to available budget", async () => {
    const categoriesBefore = await prisma.variableCategory.findMany({ where: { userId: U } });
    const budgetBefore = categoriesBefore.reduce((sum, c) => sum + Number(c.balanceCents ?? 0n), 0);

    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Water Surplus",
        amountMode: "estimated",
        estimatedCents: 15000n,
        totalCents: 15000n,
        fundedCents: 15000n,
        currentFundedCents: 15000n,
        priority: 10,
        cycleStart: new Date("2026-03-01T00:00:00.000Z"),
        dueOn: new Date("2026-04-01T00:00:00.000Z"),
        frequency: "monthly",
      },
    });

    const res = await mutate(`/fixed-plans/${plan.id}/true-up-actual`).send({ actualCents: 9000 });

    expect(res.status).toBe(200);
    expect(res.body.deltaCents).toBe(-6000);
    expect(res.body.refundedCents).toBe(6000);

    const updated = await prisma.fixedPlan.findUniqueOrThrow({ where: { id: plan.id } });
    expect(Number(updated.totalCents ?? 0n)).toBe(9000);
    expect(Number(updated.currentFundedCents ?? 0n)).toBe(9000);

    const categoriesAfter = await prisma.variableCategory.findMany({ where: { userId: U } });
    const budgetAfter = categoriesAfter.reduce((sum, c) => sum + Number(c.balanceCents ?? 0n), 0);
    expect(budgetAfter - budgetBefore).toBe(6000);
  });

  it("rejects true-up for fixed mode plans", async () => {
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Rent Fixed",
        amountMode: "fixed",
        totalCents: 120000n,
        fundedCents: 120000n,
        currentFundedCents: 120000n,
        priority: 10,
        cycleStart: new Date("2026-03-01T00:00:00.000Z"),
        dueOn: new Date("2026-04-01T00:00:00.000Z"),
        frequency: "monthly",
      },
    });

    const res = await mutate(`/fixed-plans/${plan.id}/true-up-actual`).send({ actualCents: 100000 });
    expect(res.status).toBe(400);
    expect(res.body.code).toBe("PLAN_NOT_ESTIMATED");
  });

  it("pay-now rollover resets estimated plan target back to estimate and clears cycle actual metadata", async () => {
    const plan = await prisma.fixedPlan.create({
      data: {
        userId: U,
        name: "Water Rollover",
        amountMode: "estimated",
        estimatedCents: 10000n,
        totalCents: 16000n,
        fundedCents: 16000n,
        currentFundedCents: 16000n,
        actualCents: 16000n,
        actualCycleDueOn: new Date("2026-04-01T00:00:00.000Z"),
        actualRecordedAt: new Date(),
        priority: 10,
        cycleStart: new Date("2026-03-01T00:00:00.000Z"),
        dueOn: new Date("2026-04-01T00:00:00.000Z"),
        frequency: "monthly",
      },
    });

    const res = await mutate(`/fixed-plans/${plan.id}/pay-now`).send({});
    expect(res.status).toBe(200);

    const updated = await prisma.fixedPlan.findUniqueOrThrow({ where: { id: plan.id } });
    expect(Number(updated.totalCents ?? 0n)).toBe(10000);
    expect(updated.actualCents).toBeNull();
    expect(updated.actualCycleDueOn).toBeNull();
    expect(updated.actualRecordedAt).toBeNull();
  });
});