"""Paydown Monitor — Stories 7.1, 7.2, 7.3.""" from decimal import Decimal import datetime import pytest from app.extensions import db as _db from app.models.account import Account from app.models.settings import Settings from app.models.paydown_plan import PaydownPlan from app.models.paydown_plan_card import PaydownPlanCard from app.models.paydown_balance_update import PaydownBalanceUpdate from app.services.amortization import calculate_avalanche # ── fixtures ───────────────────────────────────────────────────────────────── def _make_card(name="Visa", balance="2000.00", apr="20.00", min_pay="50.00"): card = Account( name=name, type="credit", is_active=True, current_balance=Decimal(balance), apr=Decimal(apr), min_payment=Decimal(min_pay), ) _db.session.add(card) _db.session.commit() return card def _make_active_plan(card, extra="200.00", strategy="avalanche"): plan = PaydownPlan(strategy=strategy, extra_monthly=Decimal(extra), status="active") _db.session.add(plan) _db.session.flush() card_dict = { "id": card.id, "name": card.name, "balance": card.current_balance, "apr": card.apr, "min_payment": card.min_payment, } result = calculate_avalanche([card_dict], Decimal(extra)) plan_card = PaydownPlanCard( plan_id=plan.id, account_id=card.id, monthly_allocation=Decimal(schedule_row["payment"] if (schedule_row := result.per_card_schedule[0]["schedule"][0] if result.per_card_schedule and result.per_card_schedule[0]["schedule"] else None) else "50"), starting_balance=card.current_balance, starting_apr=card.apr, ) _db.session.add(plan_card) _db.session.commit() settings = Settings.query.first() if settings is None: settings = Settings(id=1, extra_monthly_payment=Decimal(extra)) _db.session.add(settings) else: settings.extra_monthly_payment = Decimal(extra) _db.session.commit() return plan def _make_balance_update(account_id, balance, days_ago=0): upd_date = datetime.datetime.now() - datetime.timedelta(days=days_ago) upd = PaydownBalanceUpdate( account_id=account_id, balance=Decimal(str(balance)), updated_at=upd_date, ) _db.session.add(upd) _db.session.commit() return upd # ── Story 7.1: Monitor View ─────────────────────────────────────────────────── class TestMonitorView: def test_monitor_returns_200(self, client, db): assert client.get("/paydown/monitor").status_code == 200 def test_monitor_shows_empty_state_when_no_plan(self, client, db): response = client.get("/paydown/monitor") assert b"No active plan" in response.data def test_monitor_shows_active_plan_info(self, client, db): card = _make_card() _make_active_plan(card) response = client.get("/paydown/monitor") assert b"avalanche" in response.data.lower() or b"Avalanche" in response.data def test_monitor_shows_card_name(self, client, db): card = _make_card("Chase Freedom") _make_active_plan(card) response = client.get("/paydown/monitor") assert b"Chase Freedom" in response.data def test_monitor_shows_planned_balance(self, client, db): card = _make_card() _make_active_plan(card) response = client.get("/paydown/monitor") assert b"Planned" in response.data def test_monitor_shows_stale_indicator_when_no_updates(self, client, db): card = _make_card() _make_active_plan(card) response = client.get("/paydown/monitor") assert b"Stale" in response.data or b"stale" in response.data def test_monitor_shows_behind_alert_when_over_5pct(self, client, db): card = _make_card(balance="2000.00") plan = _make_active_plan(card) # Very high balance update (clearly behind) _make_balance_update(card.id, "2500.00") response = client.get("/paydown/monitor") assert b"Behind Plan" in response.data or b"behind" in response.data.lower() def test_monitor_active_page_is_paydown(self, client, db): response = client.get("/paydown/monitor") assert b"paydown" in response.data # ── Story 7.2: Balance Updates ──────────────────────────────────────────────── class TestBalanceUpdates: def test_update_creates_balance_update_record(self, client, db): card = _make_card() _make_active_plan(card) client.post("/paydown/monitor/update-balance", data={ "account_id": card.id, "balance": "1800.00", }) upd = PaydownBalanceUpdate.query.filter_by(account_id=card.id).first() assert upd is not None assert upd.balance == Decimal("1800.00") def test_update_redirects_to_monitor(self, client, db): card = _make_card() _make_active_plan(card) response = client.post("/paydown/monitor/update-balance", data={ "account_id": card.id, "balance": "1500.00", }, follow_redirects=False) assert response.status_code == 302 assert "monitor" in response.headers["Location"] def test_update_flashes_success(self, client, db): card = _make_card() _make_active_plan(card) response = client.post("/paydown/monitor/update-balance", data={ "account_id": card.id, "balance": "1700.00", }, follow_redirects=True) assert b"updated" in response.data.lower() def test_old_updates_preserved(self, client, db): card = _make_card() _make_active_plan(card) client.post("/paydown/monitor/update-balance", data={"account_id": card.id, "balance": "1900.00"}) client.post("/paydown/monitor/update-balance", data={"account_id": card.id, "balance": "1700.00"}) assert PaydownBalanceUpdate.query.filter_by(account_id=card.id).count() == 2 def test_card_not_in_plan_returns_error(self, client, db): card = _make_card() _make_active_plan(card) other_card = Account(name="Other", type="credit", is_active=True, current_balance=Decimal("500"), apr=Decimal("15"), min_payment=Decimal("15")) _db.session.add(other_card) _db.session.commit() response = client.post("/paydown/monitor/update-balance", data={ "account_id": other_card.id, "balance": "400.00", }, follow_redirects=True) assert b"not in active plan" in response.data.lower() def test_negative_balance_rejected(self, client, db): card = _make_card() _make_active_plan(card) response = client.post("/paydown/monitor/update-balance", data={ "account_id": card.id, "balance": "-100.00", }, follow_redirects=True) assert PaydownBalanceUpdate.query.count() == 0 def test_invalid_balance_rejected(self, client, db): card = _make_card() _make_active_plan(card) response = client.post("/paydown/monitor/update-balance", data={ "account_id": card.id, "balance": "not-a-number", }, follow_redirects=True) assert PaydownBalanceUpdate.query.count() == 0 # ── Story 7.3: Strategy Switch ──────────────────────────────────────────────── class TestStrategySwitchAndHistory: def test_switch_archives_old_plan(self, client, db): card = _make_card() _make_active_plan(card, strategy="avalanche") client.post("/paydown/switch-strategy", data={"strategy": "snowball"}) archived = PaydownPlan.query.filter_by(status="archived").count() assert archived == 1 def test_switch_creates_new_active_plan(self, client, db): card = _make_card() _make_active_plan(card, strategy="avalanche") client.post("/paydown/switch-strategy", data={"strategy": "snowball"}) active = PaydownPlan.query.filter_by(status="active").first() assert active is not None assert active.strategy == "snowball" def test_switch_uses_latest_balance_update(self, client, db): card = _make_card(balance="2000.00") _make_active_plan(card, strategy="avalanche") _make_balance_update(card.id, "1500.00") client.post("/paydown/switch-strategy", data={"strategy": "snowball"}) new_plan = PaydownPlan.query.filter_by(status="active").first() plan_card = PaydownPlanCard.query.filter_by(plan_id=new_plan.id).first() assert plan_card.starting_balance == Decimal("1500.00") def test_switch_redirects_to_monitor(self, client, db): card = _make_card() _make_active_plan(card) response = client.post("/paydown/switch-strategy", data={"strategy": "snowball"}, follow_redirects=False) assert response.status_code == 302 assert "monitor" in response.headers["Location"] def test_switch_flashes_success(self, client, db): card = _make_card() _make_active_plan(card) response = client.post("/paydown/switch-strategy", data={"strategy": "snowball"}, follow_redirects=True) assert b"switched" in response.data.lower() def test_archived_plan_has_archived_at(self, client, db): card = _make_card() _make_active_plan(card, strategy="avalanche") client.post("/paydown/switch-strategy", data={"strategy": "snowball"}) archived = PaydownPlan.query.filter_by(status="archived").first() assert archived.archived_at is not None def test_history_page_returns_200(self, client, db): assert client.get("/paydown/history").status_code == 200 def test_history_shows_archived_plans(self, client, db): card = _make_card() _make_active_plan(card, strategy="avalanche") client.post("/paydown/switch-strategy", data={"strategy": "snowball"}) response = client.get("/paydown/history") assert b"avalanche" in response.data.lower() or b"Avalanche" in response.data def test_history_empty_state_when_no_archived(self, client, db): response = client.get("/paydown/history") assert b"No archived" in response.data def test_strategy_switch_baseline_reset(self, client, db): """After switch, new plan uses updated balances, not original starting balances.""" card = _make_card(balance="2000.00") _make_active_plan(card, strategy="avalanche") _make_balance_update(card.id, "1200.00") # significantly paid down client.post("/paydown/switch-strategy", data={"strategy": "proportional"}) new_plan = PaydownPlan.query.filter_by(status="active").first() plan_card = PaydownPlanCard.query.filter_by(plan_id=new_plan.id).first() # New plan should start from 1200, not 2000 assert plan_card.starting_balance < Decimal("2000.00")