budget-app/server/src/routes/financing.js

const express = require('express');
const router = express.Router();
const { pool } = require('../db');

// ─── Helpers ──────────────────────────────────────────────────────────────────

// Count how many payment periods remain for a plan starting from (year, month),
// including that month. Each month contributes 1 or 2 periods depending on
// whether the plan is split across both paychecks (assigned_paycheck = null).
function remainingPeriods(plan, year, month) {
  const due = new Date(plan.due_date);
  const dueYear  = due.getFullYear();
  const dueMonth = due.getMonth() + 1; // 1-based

  const monthsLeft = (dueYear - year) * 12 + (dueMonth - month) + 1;
  if (monthsLeft <= 0) return 1; // always at least 1 to avoid division by zero

  const perMonth = plan.assigned_paycheck == null ? 2 : 1;
  return monthsLeft * perMonth;
}

// Calculate the payment amount for one period.
async function calcPaymentAmount(client, plan, year, month) {
  const { rows } = await client.query(
    `SELECT COALESCE(SUM(fp.amount), 0) AS paid_total
     FROM financing_payments fp
     WHERE fp.plan_id = $1 AND fp.paid = TRUE`,
    [plan.id]
  );
  const paidSoFar = parseFloat(rows[0].paid_total) || 0;
  const remaining = parseFloat(plan.total_amount) - paidSoFar;
  if (remaining <= 0) return 0;

  const periods = remainingPeriods(plan, year, month);
  return parseFloat((remaining / periods).toFixed(2));
}

// Enrich a plan row with computed progress fields.
async function enrichPlan(pool, plan) {
  const { rows } = await pool.query(
    `SELECT
       COALESCE(SUM(CASE WHEN paid THEN amount ELSE 0 END), 0) AS paid_total,
       COALESCE(SUM(amount), 0) AS scheduled_total,
       COUNT(*) FILTER (WHERE paid)::int AS paid_count,
       COUNT(*)::int AS total_count
     FROM financing_payments
     WHERE plan_id = $1`,
    [plan.id]
  );
  const r = rows[0];
  const paidTotal   = parseFloat(r.paid_total) || 0;
  const totalAmount = parseFloat(plan.total_amount);
  const remaining   = Math.max(0, totalAmount - paidTotal);

  const due = new Date(plan.due_date);
  const today = new Date();
  today.setHours(0, 0, 0, 0);
  const overdue = plan.active && remaining > 0 && due < today;

  return {
    ...plan,
    total_amount:  totalAmount,
    paid_total:    parseFloat(paidTotal.toFixed(2)),
    remaining:     parseFloat(remaining.toFixed(2)),
    paid_count:    r.paid_count,
    total_count:   r.total_count,
    overdue,
  };
}

// ─── Routes ───────────────────────────────────────────────────────────────────

// GET /api/financing
router.get('/financing', async (req, res) => {
  try {
    const { rows } = await pool.query(
      `SELECT * FROM financing_plans ORDER BY active DESC, due_date ASC`
    );
    const enriched = await Promise.all(rows.map(r => enrichPlan(pool, r)));
    res.json(enriched);
  } catch (err) {
    console.error('GET /api/financing error:', err);
    res.status(500).json({ error: 'Failed to fetch financing plans' });
  }
});

// POST /api/financing
router.post('/financing', async (req, res) => {
  const { name, total_amount, due_date, assigned_paycheck } = req.body;
  if (!name || !total_amount || !due_date) {
    return res.status(400).json({ error: 'name, total_amount, and due_date are required' });
  }
  if (assigned_paycheck != null && assigned_paycheck !== 1 && assigned_paycheck !== 2) {
    return res.status(400).json({ error: 'assigned_paycheck must be 1, 2, or null' });
  }

  try {
    const { rows } = await pool.query(
      `INSERT INTO financing_plans (name, total_amount, due_date, assigned_paycheck)
       VALUES ($1, $2, $3, $4) RETURNING *`,
      [name.trim(), parseFloat(total_amount), due_date, assigned_paycheck ?? null]
    );
    res.status(201).json(await enrichPlan(pool, rows[0]));
  } catch (err) {
    console.error('POST /api/financing error:', err);
    res.status(500).json({ error: 'Failed to create financing plan' });
  }
});

// GET /api/financing/:id
router.get('/financing/:id', async (req, res) => {
  try {
    const { rows } = await pool.query(
      'SELECT * FROM financing_plans WHERE id = $1', [req.params.id]
    );
    if (!rows.length) return res.status(404).json({ error: 'Not found' });

    const plan = await enrichPlan(pool, rows[0]);

    const { rows: payments } = await pool.query(
      `SELECT fp.id, fp.amount, fp.paid, fp.paid_at,
              p.period_year, p.period_month, p.paycheck_number, p.pay_date
       FROM financing_payments fp
       JOIN paychecks p ON p.id = fp.paycheck_id
       WHERE fp.plan_id = $1
       ORDER BY p.period_year, p.period_month, p.paycheck_number`,
      [plan.id]
    );

    res.json({ ...plan, payments });
  } catch (err) {
    console.error('GET /api/financing/:id error:', err);
    res.status(500).json({ error: 'Failed to fetch financing plan' });
  }
});

// PUT /api/financing/:id
router.put('/financing/:id', async (req, res) => {
  const { name, total_amount, due_date, assigned_paycheck } = req.body;
  if (!name || !total_amount || !due_date) {
    return res.status(400).json({ error: 'name, total_amount, and due_date are required' });
  }

  try {
    const { rows } = await pool.query(
      `UPDATE financing_plans SET name=$1, total_amount=$2, due_date=$3, assigned_paycheck=$4
       WHERE id=$5 RETURNING *`,
      [name.trim(), parseFloat(total_amount), due_date, assigned_paycheck ?? null, req.params.id]
    );
    if (!rows.length) return res.status(404).json({ error: 'Not found' });
    res.json(await enrichPlan(pool, rows[0]));
  } catch (err) {
    console.error('PUT /api/financing/:id error:', err);
    res.status(500).json({ error: 'Failed to update financing plan' });
  }
});

// DELETE /api/financing/:id
router.delete('/financing/:id', async (req, res) => {
  try {
    const { rows } = await pool.query(
      'DELETE FROM financing_plans WHERE id=$1 RETURNING id', [req.params.id]
    );
    if (!rows.length) return res.status(404).json({ error: 'Not found' });
    res.json({ deleted: true });
  } catch (err) {
    console.error('DELETE /api/financing/:id error:', err);
    res.status(500).json({ error: 'Failed to delete financing plan' });
  }
});

// PATCH /api/financing-payments/:id/paid
router.patch('/financing-payments/:id/paid', async (req, res) => {
  const id = parseInt(req.params.id, 10);
  const { paid } = req.body;
  if (typeof paid !== 'boolean') {
    return res.status(400).json({ error: 'paid must be a boolean' });
  }

  const client = await pool.connect();
  try {
    await client.query('BEGIN');

    const { rows } = await client.query(
      `UPDATE financing_payments
       SET paid = $1, paid_at = CASE WHEN $1 THEN NOW() ELSE NULL END
       WHERE id = $2
       RETURNING id, plan_id, amount, paid, paid_at`,
      [paid, id]
    );
    if (!rows.length) {
      await client.query('ROLLBACK');
      return res.status(404).json({ error: 'Payment not found' });
    }

    const payment = rows[0];

    // Check if plan is now fully paid — if so, auto-close it
    const { rows: planRows } = await client.query(
      'SELECT * FROM financing_plans WHERE id = $1', [payment.plan_id]
    );
    const plan = planRows[0];
    const { rows: totals } = await client.query(
      `SELECT COALESCE(SUM(amount), 0) AS paid_total
       FROM financing_payments WHERE plan_id = $1 AND paid = TRUE`,
      [plan.id]
    );
    const paidTotal = parseFloat(totals[0].paid_total) || 0;
    const totalAmount = parseFloat(plan.total_amount);

    let planClosed = false;
    if (paid && paidTotal >= totalAmount) {
      await client.query(
        'UPDATE financing_plans SET active = FALSE WHERE id = $1', [plan.id]
      );
      planClosed = true;
    }

    await client.query('COMMIT');
    res.json({ ...payment, plan_closed: planClosed });
  } catch (err) {
    await client.query('ROLLBACK');
    console.error('PATCH /api/financing-payments/:id/paid error:', err);
    res.status(500).json({ error: 'Failed to update payment' });
  } finally {
    client.release();
  }
});

module.exports = { router, calcPaymentAmount, remainingPeriods };