Sai Kiran Vella
85 lines
2.7 KiB
TypeScript
85 lines
2.7 KiB
TypeScript
interface Transaction {
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amount: number;
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category: string;
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}
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interface Account {
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type: string;
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balance: number;
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transactions: Transaction[];
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[key: string]: unknown;
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}
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interface CategoryBreakdown {
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category: string;
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amount: number;
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pct: string;
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}
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interface FinanceAnalysis {
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netWorth: number;
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totalAssets: number;
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totalLiabilities: number;
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totalCash: number;
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totalInvestments: number;
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cashPct: string;
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investPct: string;
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totalIncome: number;
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totalSpend: number;
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savingsRate: string | null;
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categoryBreakdown: CategoryBreakdown[];
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accounts: Account[];
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}
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export class PersonalFinanceAnalyzer {
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analyse(accounts: Account[]): FinanceAnalysis {
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const assets = accounts.filter((a) => !['CREDIT', 'LOAN'].includes(a.type));
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const liabilities = accounts.filter((a) => ['CREDIT', 'LOAN'].includes(a.type));
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const totalAssets = assets.reduce((s, a) => s + Math.max(0, a.balance), 0);
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const totalLiabilities = liabilities.reduce((s, a) => s + Math.abs(Math.min(0, a.balance)), 0);
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const netWorth = totalAssets - totalLiabilities;
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const cash = accounts.filter((a) => ['CHECKING', 'SAVINGS'].includes(a.type));
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const investments = accounts.filter((a) => a.type === 'INVESTMENT');
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const totalCash = cash.reduce((s, a) => s + Math.max(0, a.balance), 0);
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const totalInvest = investments.reduce((s, a) => s + Math.max(0, a.balance), 0);
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const allTx = accounts.flatMap((a) => a.transactions);
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const spending = allTx.filter((tx) => tx.amount < 0 && tx.category !== 'Transfer');
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const income = allTx.filter((tx) => tx.amount > 0 && tx.category === 'Income');
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const totalSpend = spending.reduce((s, tx) => s + Math.abs(tx.amount), 0);
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const totalIncome = income.reduce((s, tx) => s + tx.amount, 0);
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const byCategory: Record<string, number> = {};
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for (const tx of spending) {
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byCategory[tx.category] = (byCategory[tx.category] ?? 0) + Math.abs(tx.amount);
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}
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const categoryBreakdown: CategoryBreakdown[] = Object.entries(byCategory)
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.sort((a, b) => b[1] - a[1])
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.map(([category, amount]) => ({
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category,
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amount,
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pct: totalSpend > 0 ? ((amount / totalSpend) * 100).toFixed(1) : '0',
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}));
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return {
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netWorth,
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totalAssets,
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totalLiabilities,
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totalCash,
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totalInvestments: totalInvest,
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cashPct: totalAssets > 0 ? ((totalCash / totalAssets) * 100).toFixed(1) : '0',
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investPct: totalAssets > 0 ? ((totalInvest / totalAssets) * 100).toFixed(1) : '0',
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totalIncome,
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totalSpend,
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savingsRate:
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totalIncome > 0 ? (((totalIncome - totalSpend) / totalIncome) * 100).toFixed(1) : null,
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categoryBreakdown,
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accounts,
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};
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}
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}
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