class Family < ApplicationRecord include Plaidable, Syncable DATE_FORMATS = [ "%m-%d-%Y", "%d.%m.%Y", "%d-%m-%Y", "%Y-%m-%d", "%d/%m/%Y", "%Y/%m/%d", "%m/%d/%Y", "%e/%m/%Y", "%Y.%m.%d" ] include Providable has_many :users, dependent: :destroy has_many :invitations, dependent: :destroy has_many :tags, dependent: :destroy has_many :accounts, dependent: :destroy has_many :imports, dependent: :destroy has_many :transactions, through: :accounts has_many :entries, through: :accounts has_many :categories, dependent: :destroy has_many :merchants, dependent: :destroy has_many :issues, through: :accounts has_many :holdings, through: :accounts has_many :plaid_items, dependent: :destroy validates :locale, inclusion: { in: I18n.available_locales.map(&:to_s) } validates :date_format, inclusion: { in: DATE_FORMATS } def sync_data(start_date: nil) update!(last_synced_at: Time.current) accounts.manual.each do |account| account.sync_data(start_date: start_date) end plaid_data = [] plaid_items.each do |plaid_item| plaid_data << plaid_item.sync_data(start_date: start_date) end plaid_data end def post_sync broadcast_refresh end def syncing? super || accounts.manual.any?(&:syncing?) || plaid_items.any?(&:syncing?) end def get_link_token(webhooks_url:, redirect_url:, accountable_type: nil) return nil unless plaid_provider plaid_provider.get_link_token( user_id: id, webhooks_url: webhooks_url, redirect_url: redirect_url, accountable_type: accountable_type ).link_token end def snapshot(period = Period.all) query = accounts.active.joins(:balances) .where("account_balances.currency = ?", self.currency) .select( "account_balances.currency", "account_balances.date", "SUM(CASE WHEN accounts.classification = 'liability' THEN account_balances.balance ELSE 0 END) AS liabilities", "SUM(CASE WHEN accounts.classification = 'asset' THEN account_balances.balance ELSE 0 END) AS assets", "SUM(CASE WHEN accounts.classification = 'asset' THEN account_balances.balance WHEN accounts.classification = 'liability' THEN -account_balances.balance ELSE 0 END) AS net_worth", ) .group("account_balances.date, account_balances.currency") .order("account_balances.date") query = query.where("account_balances.date >= ?", period.date_range.begin) if period.date_range.begin query = query.where("account_balances.date <= ?", period.date_range.end) if period.date_range.end result = query.to_a { asset_series: TimeSeries.new(result.map { |r| { date: r.date, value: Money.new(r.assets, r.currency) } }), liability_series: TimeSeries.new(result.map { |r| { date: r.date, value: Money.new(r.liabilities, r.currency) } }), net_worth_series: TimeSeries.new(result.map { |r| { date: r.date, value: Money.new(r.net_worth, r.currency) } }) } end def snapshot_account_transactions period = Period.last_30_days results = accounts.active.joins(:entries) .select( "accounts.*", "COALESCE(SUM(account_entries.amount) FILTER (WHERE account_entries.amount > 0), 0) AS spending", "COALESCE(SUM(-account_entries.amount) FILTER (WHERE account_entries.amount < 0), 0) AS income" ) .where("account_entries.date >= ?", period.date_range.begin) .where("account_entries.date <= ?", period.date_range.end) .where("account_entries.marked_as_transfer = ?", false) .where("account_entries.entryable_type = ?", "Account::Transaction") .group("accounts.id") .having("SUM(ABS(account_entries.amount)) > 0") .to_a results.each do |r| r.define_singleton_method(:savings_rate) do (income - spending) / income end end { top_spenders: results.sort_by(&:spending).select { |a| a.spending > 0 }.reverse, top_earners: results.sort_by(&:income).select { |a| a.income > 0 }.reverse, top_savers: results.sort_by { |a| a.savings_rate }.reverse } end def snapshot_transactions candidate_entries = entries.account_transactions.without_transfers.excluding( entries.joins(:account).where(amount: ..0, accounts: { classification: Account.classifications[:liability] }) ) rolling_totals = Account::Entry.daily_rolling_totals(candidate_entries, self.currency, period: Period.last_30_days) spending = [] income = [] savings = [] rolling_totals.each do |r| spending << { date: r.date, value: Money.new(r.rolling_spend, self.currency) } income << { date: r.date, value: Money.new(r.rolling_income, self.currency) } savings << { date: r.date, value: r.rolling_income != 0 ? (r.rolling_income - r.rolling_spend) / r.rolling_income : 0.to_d } end { income_series: TimeSeries.new(income, favorable_direction: "up"), spending_series: TimeSeries.new(spending, favorable_direction: "down"), savings_rate_series: TimeSeries.new(savings, favorable_direction: "up") } end def net_worth assets - liabilities end def assets Money.new(accounts.active.assets.map { |account| account.balance_money.exchange_to(currency, fallback_rate: 0) }.sum, currency) end def liabilities Money.new(accounts.active.liabilities.map { |account| account.balance_money.exchange_to(currency, fallback_rate: 0) }.sum, currency) end def synth_usage self.class.synth_provider&.usage end def synth_overage? self.class.synth_provider&.usage&.utilization.to_i >= 100 end def synth_valid? self.class.synth_provider&.healthy? end def subscribed? stripe_subscription_status == "active" end def primary_user users.order(:created_at).first end end