Multi-currency support (#425)

* Initial foundational pass at multi-currency

* Default format currency

* More work on currency and exchanging

* Re-build currencies on change

* Currency import/setup

* Background job overhaul + cheaper OXR plan support

* Lint fixes

* Test fixes

* Multi-currency setup instructions

* Allow decimals in the balance field

* Spacing fix for form

---------

Signed-off-by: Josh Pigford <josh@joshpigford.com>

app/controllers/accounts_controller.rb

@@ -3,7 +3,7 @@ class AccountsController < ApplicationController
 
   def new
     @account = Account.new(
-      balance: nil,
+      original_balance: nil,
       accountable: Accountable.from_type(params[:type])&.new
     )
   end
@@ -25,6 +25,6 @@ class AccountsController < ApplicationController
   private
 
   def account_params
-    params.require(:account).permit(:name, :accountable_type, :balance, :balance_cents, :subtype)
+    params.require(:account).permit(:name, :accountable_type, :original_balance, :original_currency, :subtype)
   end
 end

app/controllers/settings_controller.rb

@@ -5,7 +5,19 @@ class SettingsController < ApplicationController
   end
 
   def update
-    if Current.user.update(user_params)
+    user_params_with_family = user_params
+    # Ensure we're only updating the family associated with the current user
+    if Current.family
+      family_attributes = user_params_with_family[:family_attributes].merge({ id: Current.family.id })
+      user_params_with_family[:family_attributes] = family_attributes
+    end
+
+    # If the family attribute for currency is changed, we need to convert all account balances to the new currency with the ConvertCurrencyJob job
+    if user_params_with_family[:family_attributes][:currency] != Current.family.currency
+      ConvertCurrencyJob.perform_later(Current.family)
+    end
+
+    if Current.user.update(user_params_with_family)
       redirect_to root_path, notice: "Profile updated successfully."
     else
       render :edit, status: :unprocessable_entity
@@ -16,6 +28,6 @@ class SettingsController < ApplicationController
 
   def user_params
     params.require(:user).permit(:first_name, :last_name, :email, :password, :password_confirmation,
-                                 family_attributes: [ :name, :id ])
+                                 family_attributes: [ :name, :id, :currency ])
   end
 end

app/helpers/application_helper.rb

@@ -17,4 +17,37 @@ module ApplicationHelper
     content = capture &block
     render partial: "shared/modal", locals: { content: content }
   end
+
+  def format_currency(number, options = {})
+    user_currency_preference = Current.family.try(:currency) || "USD"
+
+    case user_currency_preference
+    when "USD"
+      options.reverse_merge!(unit: "$", precision: 2, delimiter: ",", separator: ".")
+    when "EUR"
+      options.reverse_merge!(unit: "€", precision: 2, delimiter: ".", separator: ",")
+    when "GBP"
+      options.reverse_merge!(unit: "£", precision: 2, delimiter: ",", separator: ".")
+    when "CAD"
+      options.reverse_merge!(unit: "C$", precision: 2, delimiter: ",", separator: ".")
+    when "MXN"
+      options.reverse_merge!(unit: "MX$", precision: 2, delimiter: ",", separator: ".")
+    when "HKD"
+      options.reverse_merge!(unit: "HK$", precision: 2, delimiter: ",", separator: ".")
+    when "CHF"
+      options.reverse_merge!(unit: "CHF", precision: 2, delimiter: ".", separator: ",")
+    when "SGD"
+      options.reverse_merge!(unit: "S$", precision: 2, delimiter: ",", separator: ".")
+    when "NZD"
+      options.reverse_merge!(unit: "NZ$", precision: 2, delimiter: ",", separator: ".")
+    when "AUD"
+      options.reverse_merge!(unit: "A$", precision: 2, delimiter: ",", separator: ".")
+    when "KRW"
+      options.reverse_merge!(unit: "₩", precision: 0, delimiter: ",", separator: ".")
+    else
+      options.reverse_merge!(unit: "$", precision: 2, delimiter: ",", separator: ".")
+    end
+
+    number_to_currency(number, options)
+  end
 end

app/jobs/convert_currency_job.rb

@@ -0,0 +1,19 @@
+class ConvertCurrencyJob < ApplicationJob
+  queue_as :default
+
+  def perform(family)
+    family = Family.find(family.id)
+
+    # Convert all account balances to new currency
+    family.accounts.each do |account|
+      if account.original_currency == family.currency
+        account.converted_balance = account.original_balance
+        account.converted_currency = account.original_currency
+      else
+        account.converted_balance = ExchangeRate.convert(account.original_currency, family.currency, account.original_balance)
+        account.converted_currency = family.currency
+      end
+      account.save!
+    end
+  end
+end

app/jobs/daily_exchange_rate_job.rb

@@ -0,0 +1,34 @@
+class DailyExchangeRateJob < ApplicationJob
+  queue_as :default
+
+  def perform
+    app_id = ENV["OPEN_EXCHANGE_APP_ID"]
+
+    # Get the last date for which exchange rates were fetched for each currency
+    last_fetched_dates = ExchangeRate.group(:base_currency).maximum(:date)
+
+    # Loop through each currency and fetch exchange rates for each
+    Currency.all.each do |currency|
+      last_fetched_date = last_fetched_dates[currency.iso_code] || Date.yesterday
+      next_day = last_fetched_date + 1.day
+      response = Faraday.get("https://openexchangerates.org/api/historical/#{next_day}.json") do |req|
+        req.params["app_id"] = app_id
+        req.params["base"] = currency.iso_code
+        req.params["symbols"] = Currency.where.not(iso_code: currency.iso_code).pluck(:iso_code).join(",")
+      end
+
+      if response.success?
+        rates = JSON.parse(response.body)["rates"]
+
+        rates.each do |currency_iso_code, value|
+          ExchangeRate.find_or_create_by(date: Date.today, base_currency: currency.iso_code, converted_currency: currency_iso_code) do |exchange_rate|
+            exchange_rate.rate = value
+          end
+          puts "#{currency.iso_code} to #{currency_iso_code} on #{Date.today}: #{value}"
+        end
+      else
+        puts "Failed to fetch exchange rates for #{currency.iso_code} on #{Date.today}: #{response.status}"
+      end
+    end
+  end
+end

app/models/account.rb

@@ -5,5 +5,15 @@ class Account < ApplicationRecord
 
   delegate :type_name, to: :accountable
 
-  monetize :balance_cents
+  before_create :check_currency
+
+  def check_currency
+    if self.original_currency == self.family.currency
+      self.converted_balance = self.original_balance
+      self.converted_currency = self.original_currency
+    else
+      self.converted_balance = ExchangeRate.convert(self.original_currency, self.family.currency, self.original_balance)
+      self.converted_currency = self.family.currency
+    end
+  end
 end

app/models/currency.rb

@@ -0,0 +1,2 @@
+class Currency < ApplicationRecord
+end

app/models/exchange_rate.rb

@@ -0,0 +1,6 @@
+class ExchangeRate < ApplicationRecord
+  def self.convert(from, to, amount)
+    rate = ExchangeRate.find_by(base_currency: from, converted_currency: to)
+    amount * rate.rate
+  end
+end

app/views/accounts/_account_list.html.erb

@@ -2,13 +2,13 @@
 
 <% accounts = Current.family.accounts.where(accountable_type: type.name) %>
 
-<% if accounts.sum(&:balance) > 0 %>
+<% if accounts.sum(&:converted_balance) > 0 %>
 <details class="mb-1 text-sm group">
   <summary class="flex gap-4 px-2 py-3 items-center w-full rounded-[10px] font-medium hover:bg-[#f2f2f2]">
     <%= lucide_icon("chevron-down", class: "hidden group-open:block text-[#737373] w-5 h-5") %>
     <%= lucide_icon("chevron-right", class: "group-open:hidden text-[#737373] w-5 h-5") %>
     <div class="text-left"><%= type.model_name.human %></div>
-    <div class="ml-auto"><%= humanized_money_with_symbol accounts.sum(&:balance) %></div>
+    <div class="ml-auto"><%= format_currency accounts.sum(&:converted_balance) %></div>
   </summary>
   
   <% accounts.each do |account| %>
@@ -19,7 +19,7 @@
           <p class="text-xs text-[#737373]"><%= account.subtype&.humanize %></p>
         <% end %>
       </div>
-      <p class="ml-auto font-medium"><%= humanized_money_with_symbol account.balance %></p>
+      <p class="ml-auto font-medium"><%= format_currency account.converted_balance %></p>
     </div>
   <% end %>
 

app/views/accounts/index.html.erb

@@ -4,14 +4,14 @@
 
 <% Current.family.accounts.each do |account| %>
     <div class="flex flex-row items-center justify-between px-3 py-3 mb-2 bg-white shadow-sm rounded-xl">
-      <div class="flex w-1/3 items-center text-sm">
+      <div class="flex items-center w-1/3 text-sm">
         <%= account.name %>
       </div>
-      <div class="flex w-1/3 items-center text-sm">
+      <div class="flex items-center w-1/3 text-sm">
         <%= to_accountable_title(account.accountable) %>
       </div>
       <p class="flex w-1/3 text-sm text-right">
-        <span class="block mb-1"><%= humanized_money_with_symbol account.balance %></span>
+        <span class="block mb-1"><%= format_currency account.converted_balance %></span>
       </p>
     </div>
 <% end %>

app/views/accounts/new.html.erb

@@ -69,16 +69,17 @@
     </div>
 
     <%= form_with model: @account, url: accounts_path, scope: :account, html: { class: "m-5 mt-1 flex flex-col justify-between grow", data: { turbo: false } } do |f| %>
-      <div class="space-y-4 grow">
-        <%= f.hidden_field :accountable_type %>
+        <div class="space-y-4 grow">
+          <%= f.hidden_field :accountable_type %>
 
-        <%= f.text_field :name, placeholder: 'Example account name', required: 'required', label: 'Account name' %>
+          <%= f.text_field :name, placeholder: 'Example account name', required: 'required', label: 'Account name' %>
 
-        <%= render "accounts/#{permitted_accountable_partial(@account.accountable_type)}", f: f %>
+          <%= render "accounts/#{permitted_accountable_partial(@account.accountable_type)}", f: f %>
 
-        <%= f.number_field :balance, placeholder: number_to_currency(0), in: 0.00..100000000.00, required: 'required', label: true %>
+        <%= f.number_field :original_balance, step: :any, placeholder: 0.00, in: 0.00..100000000.00, required: 'required', label: true %>
+
+        <%= f.collection_select :original_currency, Currency.all, :iso_code, :iso_code, { prompt: "Choose a currency", selected: Current.family.currency }, { required: 'required', label: "Base Currency" } %>
       </div>
-
       <%= f.submit "Add #{@account.accountable.model_name.human.downcase}" %>
     <% end %>
   <% end %>

app/views/settings/edit.html.erb

@@ -3,6 +3,8 @@
 <%= form_with model: Current.user, url: settings_path, html: { class: "space-y-4" } do |form| %>
   <%= form.fields_for :family_attributes do |family_fields| %>
     <%= family_fields.text_field :name, placeholder: "Family name", value: Current.family.name, label: "Family name" %>
+
+    <%= family_fields.select :currency, options_for_select(Currency.all.order(iso_code: :asc).map { |currency| ["#{currency.iso_code} (#{currency.name})", currency.iso_code] }, selected: Current.family.currency), { label: "Currency" } %>
   <% end %>
 
   <%= form.text_field :first_name, placeholder: "First name", value: Current.user.first_name, label: true %>