import csv from collections import defaultdict from datetime import date, datetime, timedelta from decimal import Decimal from django.db.models import Count, DateField, Q, ProtectedError, Sum from django.db.models.functions import Cast, Coalesce from rest_framework import generics, permissions, status from rest_framework.response import Response from rest_framework.views import APIView from .models import Announcement, Budget, Category, Goal, Insight, SplitBill, SplitMember, Transaction from .currencies import symbol_for from .serializers import AnnouncementSerializer, BudgetSerializer, CategorySerializer, GoalSerializer, InsightSerializer, SplitBillSerializer, TransactionSerializer class OwnedQuerysetMixin: def get_queryset(self): return super().get_queryset().filter(user=self.request.user) class CategoryListCreateView(OwnedQuerysetMixin, generics.ListCreateAPIView): serializer_class = CategorySerializer queryset = Category.objects.all() def get_queryset(self): return (Category.objects.filter(user=self.request.user) | Category.objects.filter(is_default=True)).order_by('type', 'name') def perform_create(self, serializer): serializer.save(user=self.request.user) class CategoryDetailView(generics.RetrieveUpdateDestroyAPIView): serializer_class = CategorySerializer def get_queryset(self): return Category.objects.filter(user=self.request.user, is_default=False) def perform_destroy(self, instance): try: instance.delete() except ProtectedError: from rest_framework.exceptions import ValidationError raise ValidationError('This category is already used by transactions, so it stays.') class TransactionListCreateView(OwnedQuerysetMixin, generics.ListCreateAPIView): serializer_class = TransactionSerializer queryset = Transaction.objects.filter(is_deleted=False).select_related('category') def get_queryset(self): queryset = super().get_queryset() if category := self.request.query_params.get('category'): queryset = queryset.filter(category_id=category) if transaction_type := self.request.query_params.get('type'): queryset = queryset.filter(type=transaction_type) if start := self.request.query_params.get('start'): queryset = queryset.filter(transaction_date__gte=start) if end := self.request.query_params.get('end'): queryset = queryset.filter(transaction_date__lte=end) return queryset.filter(is_deleted=False) def perform_create(self, serializer): serializer.save(user=self.request.user) class TransactionDetailView(OwnedQuerysetMixin, generics.RetrieveUpdateDestroyAPIView): serializer_class = TransactionSerializer queryset = Transaction.objects.select_related('category') def perform_destroy(self, instance): instance.is_deleted = True instance.save(update_fields=['is_deleted', 'updated_at']) class BudgetListCreateView(OwnedQuerysetMixin, generics.ListCreateAPIView): serializer_class = BudgetSerializer queryset = Budget.objects.select_related('category') def perform_create(self, serializer): serializer.save(user=self.request.user) class BudgetDetailView(OwnedQuerysetMixin, generics.RetrieveUpdateDestroyAPIView): serializer_class = BudgetSerializer queryset = Budget.objects.select_related('category') class InsightListView(OwnedQuerysetMixin, generics.ListAPIView): serializer_class = InsightSerializer queryset = Insight.objects.all() class InsightDetailView(OwnedQuerysetMixin, generics.UpdateAPIView): serializer_class = InsightSerializer queryset = Insight.objects.all() http_method_names = ['patch', 'head', 'options'] class AnnouncementListView(generics.ListAPIView): serializer_class = AnnouncementSerializer queryset = Announcement.objects.filter(is_active=True) class DashboardView(APIView): def get(self, request): today = date.today() month_start = today.replace(day=1) transactions = Transaction.objects.filter(user=request.user, is_deleted=False, transaction_date__gte=month_start) income = transactions.filter(type='income').aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total'] expenses = transactions.filter(type='expense').aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total'] top_category = transactions.filter(type='expense').values('category__name').annotate(total=Sum('amount')).order_by('-total').first() budgets = Budget.objects.filter(user=request.user, month=month_start).select_related('category') budget_status = [] for budget in budgets: spent = transactions.filter(type='expense', category=budget.category).aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total'] budget_status.append({'category': budget.category.name, 'limit': budget.limit_amount, 'spent': spent}) return Response({ 'month': month_start, 'income': income, 'expenses': expenses, 'balance': income - expenses, 'top_category': top_category, 'budgets': budget_status, 'tips': InsightSerializer(Insight.objects.filter(user=request.user, is_dismissed=False)[:3], many=True).data, }) class MonthlyReportView(APIView): def get(self, request): raw_month = request.query_params.get('month') try: month = datetime.strptime(raw_month, '%Y-%m-%d').date().replace(day=1) if raw_month else date.today().replace(day=1) except ValueError: return Response({'month': 'Use YYYY-MM-DD.'}, status=status.HTTP_400_BAD_REQUEST) all_transactions = Transaction.objects.filter(user=request.user, is_deleted=False) transactions = all_transactions.filter(transaction_date__year=month.year, transaction_date__month=month.month) categories = list(transactions.filter(type='expense').values('category__name').annotate(total=Sum('amount')).order_by('-total')) income_by_category = list(transactions.filter(type='income').values('category__name').annotate(total=Sum('amount')).order_by('-total')) income = transactions.filter(type='income').aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total'] expenses = transactions.filter(type='expense').aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total'] daily = [ {'day': row['day'].isoformat() if row['day'] else '', 'total': row['total']} for row in transactions.filter(type='expense').annotate(day=Cast('transaction_date', DateField())).values('day').annotate(total=Coalesce(Sum('amount'), Decimal('0'))).order_by('day') ] weekly_totals = defaultdict(lambda: Decimal('0')) for row in transactions.filter(type='expense').values('transaction_date', 'amount'): weekly_totals[row['transaction_date'].isocalendar().week] += row['amount'] weekly = [{'week': f'Week {number}', 'total': total} for number, total in sorted(weekly_totals.items())] six_months = [] cursor = month for _ in range(6): rows = all_transactions.filter(transaction_date__year=cursor.year, transaction_date__month=cursor.month) six_months.append({'month': cursor.strftime('%b %Y'), 'income': rows.filter(type='income').aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total'], 'expenses': rows.filter(type='expense').aggregate(total=Coalesce(Sum('amount'), Decimal('0')))['total']}) cursor = (cursor.replace(day=1) - __import__('datetime').timedelta(days=1)).replace(day=1) return Response({'month': month, 'income': income, 'expenses': expenses, 'balance': income - expenses, 'by_category': categories, 'income_by_category': income_by_category, 'daily': daily, 'weekly': weekly, 'six_months': list(reversed(six_months))}) class GoalListCreateView(OwnedQuerysetMixin, generics.ListCreateAPIView): serializer_class = GoalSerializer queryset = Goal.objects.all() permission_classes = [permissions.IsAuthenticated] def perform_create(self, serializer): serializer.save(user=self.request.user) class GoalDetailView(OwnedQuerysetMixin, generics.RetrieveUpdateDestroyAPIView): serializer_class = GoalSerializer queryset = Goal.objects.all() permission_classes = [permissions.IsAuthenticated] class HeatmapView(APIView): def get(self, request): start = date.today() - timedelta(days=364) rows = ( Transaction.objects.filter(user=request.user, type='expense', is_deleted=False, transaction_date__gte=start) .annotate(day=Cast('transaction_date', DateField())) .values('day') .annotate(total=Coalesce(Sum('amount'), Decimal('0'))) ) return Response({'start': start.isoformat(), 'days': {row['day'].isoformat(): row['total'] for row in rows}}) class SplitListCreateView(OwnedQuerysetMixin, generics.ListCreateAPIView): serializer_class = SplitBillSerializer queryset = SplitBill.objects.prefetch_related('members') permission_classes = [permissions.IsAuthenticated] def perform_create(self, serializer): serializer.save(user=self.request.user) class SplitDetailView(OwnedQuerysetMixin, generics.RetrieveDestroyAPIView): serializer_class = SplitBillSerializer queryset = SplitBill.objects.prefetch_related('members') permission_classes = [permissions.IsAuthenticated] class SplitSettleView(APIView): permission_classes = [permissions.IsAuthenticated] def post(self, request, pk, member_id): member = generics.get_object_or_404(SplitMember, pk=member_id, bill__pk=pk, bill__user=request.user) bill = member.bill share = round(float(bill.amount) / (bill.members.count() or 1), 2) if 'paid' in request.data: try: paid = round(float(request.data.get('paid') or 0), 2) except (TypeError, ValueError): return Response({'paid': 'Enter a valid amount.'}, status=status.HTTP_400_BAD_REQUEST) member.paid = min(share, max(0.0, round(float(member.paid or 0) + paid, 2))) else: member.paid = 0 if float(member.paid or 0) >= share else share member.settled = float(member.paid) >= share member.save() return Response(SplitBillSerializer(bill).data) class CsvImportView(APIView): def post(self, request): upload = request.FILES.get('file') if not upload or not upload.name.lower().endswith('.csv'): return Response({'file': 'Upload a CSV file.'}, status=status.HTTP_400_BAD_REQUEST) rows = csv.DictReader((line.decode('utf-8-sig') for line in upload)) created, errors = 0, [] for number, row in enumerate(rows, start=2): try: transaction_type = row.get('type', '').lower().strip() category_name = row.get('category', '').strip() category = Category.objects.filter(type=transaction_type, name__iexact=category_name).filter(user=request.user).first() or Category.objects.filter(type=transaction_type, name__iexact=category_name, is_default=True).first() if transaction_type not in ('income', 'expense') or not category: raise ValueError('Use a valid type and an existing category.') Transaction.objects.create(user=request.user, category=category, type=transaction_type, amount=row['amount'], description=row.get('description', ''), transaction_date=datetime.strptime(row['transaction_date'], '%Y-%m-%d').date()) created += 1 except (KeyError, ValueError, TypeError) as error: errors.append({'row': number, 'error': str(error)}) return Response({'created': created, 'errors': errors}) class TipGenerationView(APIView): def post(self, request): month = date.today().replace(day=1) spending = Transaction.objects.filter(user=request.user, type='expense', is_deleted=False, transaction_date__gte=month).values('category__name').annotate(total=Sum('amount')).order_by('-total').first() if not spending: return Response({'detail': 'Add expense transactions first.'}, status=status.HTTP_400_BAD_REQUEST) tip = Insight.objects.create(user=request.user, month=month, summary_text=f"Your highest spending category this month is {spending['category__name']}.", tip_text=f"Set a weekly limit for {spending['category__name']} to reduce your monthly spending.", source='rule') return Response(InsightSerializer(tip).data, status=status.HTTP_201_CREATED) class PulseView(APIView): """Broke-date predictor, money health, streaks/XP/levels + leaderboard.""" def get(self, request): from datetime import timedelta today = date.today() month = today.replace(day=1) tx = Transaction.objects.filter(user=request.user, is_deleted=False) month_tx = tx.filter(transaction_date__gte=month) income = month_tx.filter(type='income').aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') expenses = month_tx.filter(type='expense').aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') balance = income - expenses window_start = today - timedelta(days=30) burn_total = tx.filter(type='expense', transaction_date__gte=window_start).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') avg_burn = float(burn_total) / 30.0 if burn_total else float(expenses) / max(today.day, 1) avg_burn = max(avg_burn, 1.0) broke_date, days_left = None, None if float(balance) > 0 and avg_burn > 0: days_left = int(float(balance) // avg_burn) broke_date = (today + timedelta(days=days_left)).isoformat() elif float(balance) <= 0: days_left = 0 broke_date = today.isoformat() savings_rate = (float(balance) / float(income)) if float(income) > 0 else 0.0 score = max(0, min(40, savings_rate * 80)) budgets = Budget.objects.filter(user=request.user, month=month).select_related('category') if budgets.exists(): ok = 0 for b in budgets: spent = tx.filter(type='expense', category=b.category, transaction_date__gte=month).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') if float(spent) <= float(b.limit_amount): ok += 1 score += 30.0 * ok / budgets.count() else: score += 15.0 if float(expenses) < float(income) else 5.0 log_days = tx.filter(transaction_date__gte=window_start).values('transaction_date').distinct().count() score += min(30.0, log_days) health = int(round(max(5, min(99, score)))) days = set(tx.values_list('transaction_date', flat=True)) streak = 0 cursor = today if cursor not in days: cursor = cursor - timedelta(days=1) while cursor in days: streak += 1 cursor = cursor - timedelta(days=1) xp = int(log_days * 10 + streak * 8 + budgets.count() * 5) level = 1 + xp // 150 names = ['Fresher', 'Hustler', 'Ball Manager', 'Campus Tycoon', 'Sapa Slayer'] level_name = names[min(level - 1, len(names) - 1)] board = [] from accounts.models import User as U for u in U.objects.filter(is_active=True)[:50]: u_inc = Transaction.objects.filter(user=u, is_deleted=False, type='income', transaction_date__gte=month).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') if float(u_inc) <= 0: continue u_exp = Transaction.objects.filter(user=u, is_deleted=False, type='expense', transaction_date__gte=month).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') rate = (float(u_inc - u_exp) / float(u_inc)) if float(u_inc) else 0 nm = (u.first_name or u.username or 'Anon') board.append({'name': ('You' if u.id == request.user.id else nm[:1] + '***'), 'me': u.id == request.user.id, 'rate': round(rate * 100, 1)}) board = sorted(board, key=lambda r: r['rate'], reverse=True)[:7] rank = next((i + 1 for i, r in enumerate(board) if r['me']), None) pace_income = float(income) or 1.0 pace_day = max(1, today.day) pace_burn = float(expenses) / pace_day pace_left_balance = float(balance) try: import calendar as _cal2 _dim2 = _cal2.monthrange(today.year, today.month)[1] except Exception: _dim2 = 30 _days_to_end = max(0, _dim2 - today.day + 1) _pace_need = (pace_left_balance / _days_to_end) if _days_to_end and pace_left_balance > 0 else 0.0 _pace_verdict = 'on track' if _pace_need >= pace_burn or pace_left_balance <= 0 else 'over pace' _runway = int(pace_left_balance // pace_burn) if pace_burn > 0 and pace_left_balance > 0 else (0 if pace_left_balance <= 0 else 999) weeks = [] for _w in range(4): _s = today - timedelta(days=today.weekday() + 7 * (3 - _w)) _e = _s + timedelta(days=6) _t = tx.filter(type='expense', transaction_date__gte=_s, transaction_date__lte=_e).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or Decimal('0') weeks.append({'week': 'W%d' % (_w + 1), 'total': float(_t)}) return Response({ 'balance': balance, 'income': income, 'expenses': expenses, 'avg_daily_burn': round(avg_burn, 2), 'broke_date': broke_date, 'days_left': days_left, 'health': health, 'health_label': 'Solid' if health >= 75 else 'Growing' if health >= 50 else 'On thin ice', 'streak': streak, 'xp': xp, 'level': level, 'level_name': level_name, 'next_level_in': 150 - (xp % 150), 'log_days': log_days, 'leaderboard': board, 'rank': rank, 'pace': {'burn_today': round(pace_burn, 2), 'need': round(_pace_need, 2), 'days_to_month_end': _days_to_end, 'verdict': _pace_verdict}, 'runway': {'days': _runway, 'burn': round(pace_burn, 2)}, 'weeks': weeks, }) class RoommateView(APIView): """Rule-based money roommate that answers with the user's REAL numbers.""" def post(self, request): import re from django.db.models import Q q = str(request.data.get('question', '')).strip() ql = q.lower() history = request.data.get('history') or [] try: history = [{'q': str(h.get('q', ''))[:300], 'a': str(h.get('a', ''))[:600]} for h in history if isinstance(h, dict)][:8] except Exception: history = [] allowance_day = request.data.get('allowance_day') try: allowance_day = int(allowance_day) if allowance_day not in (None, '') else None if allowance_day is not None and not 1 <= allowance_day <= 28: allowance_day = None except Exception: allowance_day = None horizon_days = request.data.get('horizon_days') try: horizon_days = int(horizon_days) if horizon_days not in (None, '') else None if horizon_days is not None and not 1 <= horizon_days <= 120: horizon_days = None except Exception: horizon_days = None today = date.today() month = today.replace(day=1) last_month = (month - timedelta(days=1)).replace(day=1) week_start = today - timedelta(days=6) tx = Transaction.objects.filter(user=request.user, is_deleted=False) month_tx = tx.filter(transaction_date__gte=month) last_tx = tx.filter(transaction_date__gte=last_month, transaction_date__lt=month) week_tx = tx.filter(transaction_date__gte=week_start) def total(qs, kind): return float(qs.filter(type=kind).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or 0) income, expenses = total(month_tx, 'income'), total(month_tx, 'expense') last_income, last_expenses = total(last_tx, 'income'), total(last_tx, 'expense') week_expenses = total(week_tx, 'expense') all_balance = total(tx, 'income') - total(tx, 'expense') burn = (expenses / max(today.day, 1)) or 1.0 days_left = int(all_balance // burn) if all_balance > 0 else 0 cat_rows = list(month_tx.filter(type='expense').values('category__name').annotate(total=Sum('amount')).order_by('-total')) top_name = cat_rows[0]['category__name'] if cat_rows else 'nothing yet' top_amt = float(cat_rows[0]['total']) if cat_rows else 0.0 name = (request.user.first_name or request.user.username or 'champ').split()[0] hist_txt = '' try: if history: _lq = str(history[-1].get('q', ''))[:60] if _lq: hist_txt = " (noting you asked '" + _lq + "' before)" except Exception: hist_txt = '' limit_phrase = '' if allowance_day: limit_phrase = ' Allowance lands day %d, so this limit resets then.' % allowance_day horizon = horizon_days if not horizon: try: import calendar as _cal _dim = _cal.monthrange(today.year, today.month)[1] except Exception: _dim = 30 horizon = max(1, _dim - today.day + 1) pace_need = (all_balance / horizon) if horizon and all_balance > 0 else 0.0 exp_rows = list(month_tx.filter(type='expense').values('category__name').annotate(total=Sum('amount')).order_by('-total')) inc_rows = list(month_tx.filter(type='income').values('category__name').annotate(total=Sum('amount')).order_by('-total')) inc_total = sum(float(r['total'] or 0) for r in inc_rows) or income plan_needs = round(inc_total * 0.5, 2) plan_wants = round(inc_total * 0.3, 2) plan_save = round(inc_total * 0.2, 2) pidgin = any(w in ql for w in ['abeg', 'sapa', 'shege', 'wahala', 'how far', 'omo']) sym = symbol_for(getattr(request.user, 'country', '') or 'Nigeria') def money(v): return f"{sym}{abs(v):,.0f}" def parse_money(text): out = [] for num, suf in re.findall(r'(\d[\d,]*(?:\.\d+)?)\s*([km])?', text): v = float(num.replace(',', '')) out.append(v * {'k': 1000, 'm': 1000000}.get(suf, 1)) return out cat_names = [c['name'] for c in Category.objects.filter(type='expense').filter(Q(user=request.user) | Q(is_default=True)).values('name')] matched_cat = next((c for c in cat_names if c.lower() in ql), None) def cat_total(qs, cat): return float(qs.filter(type='expense', category__name=cat).aggregate(t=Coalesce(Sum('amount'), Decimal('0')))['t'] or 0) answer = '' if not q: answer = f"Hi {name}! Ask me anything about your money. Try 'am I spending rightly?', 'how much did I spend on food?' or 'who owes me?'" elif re.match(r'^(hi|hello|hey|yo|sup|good (morning|afternoon|evening)|how far)\b', ql): answer = (f"Hey {name}! You have {money(all_balance)} on hand right now. " f"This month: {money(income)} in, {money(expenses)} out. " f"Ask me anything - 'am I spending rightly?', 'can I afford 5k?', 'when will I go broke?'") elif 'afford' in ql: nums = parse_money(ql) amount = nums[0] if nums else 0.0 left = all_balance - amount if left >= 0: answer = (f"Yes, you can afford {money(amount)}. Your balance is {money(all_balance)}, " f"so after it you keep {money(left)} - about {int(left // burn)} days of your normal spending.") else: answer = (f"Not right now. {money(amount)} is {money(-left)} more than your {money(all_balance)} balance. " f"Wait for your next income or trim {top_name} first.") elif any(w in ql for w in ['survive', 'last', 'enough', 'carry']): nums = parse_money(ql) amount = nums[0] if nums else all_balance m = re.search(r'(\d+)\s*days?', ql) days = int(m.group(1)) if m else 7 need = burn * days if amount >= need: answer = (f"Yes! {money(amount)} is enough for {days} days. You spend about {money(burn)} a day, " f"so {days} days will cost about {money(need)}. You will still have {money(amount - need)} left.") else: answer = (f"Not quite. {days} days will cost about {money(need)}, but you only have {money(amount)} - " f"you are short by {money(need - amount)}. Spend less on {top_name} this week and you will manage.") if pidgin: answer += " But no worry, you fit manage am if you watch your spending well." elif any(w in ql for w in ['broke', 'run out', 'finish', 'sapa']): answer = (f"You have {money(all_balance)} left and you spend about {money(burn)} a day. " f"At this pace your money will finish in about {days_left} days. " f"Your biggest spending is {top_name} - cut it a little and your money will last longer.") elif any(w in ql for w in ['rightly', 'too much', 'overspend', 'spending right', 'is my spending', 'spend too much', 'spending ok', 'spending well']): parts = [] if income > 0 and expenses / income <= 0.75: parts.append(f"Yes, you are spending rightly - {money(expenses)} of {money(income)} this month, so you kept {money(income - expenses)}.") elif income > 0: parts.append(f"Careful - you spent {money(expenses)} of {money(income)} this month, only {money(income - expenses)} is left.") else: parts.append(f"You spent {money(expenses)} this month with no income logged, so watch the jar closely.") if last_expenses > 0: delta = expenses - last_expenses parts.append(f"That is {'more' if delta > 0 else 'less'} than last month's {money(last_expenses)} by {money(delta)}.") if cat_rows: parts.append(f"{top_name} takes the biggest slice ({money(top_amt)}, {round(top_amt / expenses * 100) if expenses else 0}% of your spend).") over = [b.category.name for b in Budget.objects.filter(user=request.user, month=month) if b.spent and float(b.spent) > float(b.limit_amount)] if over: parts.append(f"And your {', '.join(over)} budget is already crossed.") answer = ' '.join(parts) elif matched_cat and any(w in ql for w in ['spend', 'spent', 'cost', 'pay', 'paid', 'use', 'used', 'how much']): cat_total_now = cat_total(month_tx, matched_cat) count = month_tx.filter(type='expense', category__name=matched_cat).count() cat_total_last = cat_total(last_tx, matched_cat) if cat_total_now == 0: answer = f"Nothing spent on {matched_cat} this month yet. Last month it was {money(cat_total_last)}." else: answer = (f"You spent {money(cat_total_now)} on {matched_cat} this month across {count} transaction{'' if count == 1 else 's'}. " f"Last month it was {money(cat_total_last)}.") elif 'daily limit' in ql or 'per day' in ql or 'a day' in ql or 'month end' in ql or 'every day' in ql or 'each day' in ql: end_label = ('day %d' % allowance_day) if allowance_day else 'month end' trim = max(0.0, burn - pace_need) answer = ('Spend no more than ' + money(pace_need) + '/day for the next %d days to reach ' % horizon + end_label + ' with ' + money(all_balance) + ' intact' + hist_txt + '.' + limit_phrase + ' You are burning ' + money(burn) + '/day now, so trim ' + money(trim) + '/day - start with ' + top_name + '.') elif 'which' in ql or 'cut first' in ql or 'reduce' in ql or 'too much' in ql or 'overspend' in ql: bits = [] for r in exp_rows[:2]: bits.append(r['category__name'] + ' (' + money(float(r['total'])) + ' - cut 30 pct to save ' + money(float(r['total']) * 0.3) + ')') joined = ' and '.join(bits) if bits else top_name answer = 'Cut these two first: ' + joined + '. That keeps your ' + money(all_balance) + ' alive %d days instead of melting on ' % days_left + top_name + '.' elif '50/30/20' in ql or 'plan for next month' in ql or 'next month' in ql: answer = ('Next-month plan on ' + money(inc_total) + ' income: Needs ' + money(plan_needs) + ' (food, transport, hostel), Wants ' + money(plan_wants) + ' (fun, data, drip), Save ' + money(plan_save) + ' first on allowance day. Your ' + top_name + ' habit (' + money(top_amt) + ') lives inside Wants - cap it at ' + money(top_amt * 0.7) + '.') elif 'budget' in ql: if matched_cat: budget = Budget.objects.filter(user=request.user, category__name=matched_cat, month=month).first() if budget: left = float(budget.limit_amount) - float(budget.spent or 0) answer = (f"Your {matched_cat} budget is {money(budget.limit_amount)} for this month. " f"You have spent {money(budget.spent or 0)}, so {money(left)} is left." if left >= 0 else f"Your {matched_cat} budget is {money(budget.limit_amount)} but you have spent {money(budget.spent or 0)} - you crossed it by {money(-left)}.") else: answer = f"No budget set for {matched_cat} this month. Set one in Budgets and I will keep score for you." else: budgets = Budget.objects.filter(user=request.user, month=month) if budgets: lines = [f"{b.category.name}: {money(b.spent or 0)} of {money(b.limit_amount)}" for b in budgets] answer = f"This month's lines - {'; '.join(lines)}." else: answer = "You have no budgets this month. Set one in Budgets and I will tell you exactly how much line is left." elif any(w in ql for w in ['balance', 'how much do i have', 'left in my', 'my money left', 'how much is left', 'how much i have']): net = income - expenses answer = (f"Your balance is {money(all_balance)} (everything in minus everything out). " f"This month alone you are {'up' if net >= 0 else 'down'} {money(net)}.") elif any(w in ql for w in ['income', 'earn', 'receive', 'allowance', 'paid me']): sources = list(month_tx.filter(type='income').values('category__name').annotate(total=Sum('amount')).order_by('-total')[:2]) if income == 0: answer = "No income logged this month yet. Add your allowance and I will track it from there." else: extra = f" It came from {' and '.join(f'{s['category__name']} ({money(s['total'])})' for s in sources)}." if sources else '' answer = f"This month you received {money(income)}.{extra} Last month it was {money(last_income)}." elif 'week' in ql or '7 days' in ql: week_top = week_tx.filter(type='expense').values('category__name').annotate(total=Sum('amount')).order_by('-total').first() extra = f" Most of it went to {week_top['category__name']} ({money(week_top['total'])})." if week_top else '' answer = f"In the last 7 days you spent {money(week_expenses)} - about {money(week_expenses / 7)} a day.{extra}" elif 'last month' in ql or 'previous month' in ql: delta = expenses - last_expenses answer = (f"Last month: {money(last_income)} in, {money(last_expenses)} out. " f"This month you are at {money(income)} in, {money(expenses)} out - spending is {money(delta)} {'higher' if delta > 0 else 'lower'} so far.") elif any(w in ql for w in ['where', 'biggest', 'top', 'most of my']): if not cat_rows: answer = "No spending this month yet, so there is nowhere your money went. Log an expense and ask me again." else: lines = [f"{i + 1}) {r['category__name']} {money(r['total'])} ({round(float(r['total']) / expenses * 100) if expenses else 0}%)" for i, r in enumerate(cat_rows[:3])] answer = f"Your money went to: {'; '.join(lines)}." elif 'recurring' in ql or 'subscription' in ql: rows = list(tx.filter(type='expense', is_recurring=True).values('category__name', 'amount').order_by('-amount')[:6]) if not rows: answer = "You have no recurring expenses logged. Mark rent or subscriptions as monthly in Transactions and I will total them here." else: month_sum = sum(float(r['amount']) for r in rows) answer = f"Your recurring costs: {', '.join(f'{r['category__name']} {money(r['amount'])}' for r in rows)}. Together about {money(month_sum)} every cycle." elif 'goal' in ql or 'jar' in ql: goals = list(Goal.objects.filter(user=request.user)) if not goals: answer = "No jars yet. Open Goal jars and start one - I will work out the daily drip for you." else: g = min(goals, key=lambda x: x.deadline or date.max) answer = (f"You have {len(goals)} jars. Nearest deadline: {g.name} at {g.progress}% " f"({money(g.saved_amount)} of {money(g.target_amount)})." + (f" Drop {money(g.per_day)}/day to land by {g.deadline.strftime('%b %d')}." if g.deadline and g.progress < 100 else '')) elif any(w in ql for w in ['owe', 'owes', 'split', 'settle', 'roommate']): bills = list(SplitBill.objects.filter(user=request.user).prefetch_related('members')) in_total, in_names, my_owed = 0.0, [], 0.0 for b in bills: heads = b.members.count() or 1 share = float(b.amount) / heads for m in b.members.all(): owes = share - float(m.paid or 0) if owes <= 0: continue if m.is_user: my_owed += owes else: in_total += owes in_names.append(f"{m.name} {money(owes)}") if not bills: answer = "No splits yet. Open Split & settle, add a bill you shared, and I will track who owes who here." elif in_total == 0 and my_owed == 0: answer = "All settled - nobody owes anybody right now. Clean sheet!" else: parts = [] if in_total: parts.append(f"Roommates still owe you {money(in_total)} ({', '.join(in_names)})") if my_owed: parts.append(f"you still owe {money(my_owed)}") answer = ' and '.join(parts) + '.' elif any(w in ql for w in ['save', 'saving']): kept = income - expenses goal = float(getattr(request.user, 'monthly_savings_goal', 0) or 0) base = f"This month you kept {money(kept)} of {money(income)}." if goal > 0: base += f" Your savings goal is {money(goal)}, so you are {round(kept / goal * 100)}% there." base += f" A simple rule: move 20% of every allowance ({money(income * 0.2) if income else money(0)}) into a jar the day it lands." answer = base elif any(w in ql for w in ['tip', 'advice', 'help me']): tip = Insight.objects.filter(user=request.user, is_dismissed=False).first() answer = f"Try this: {tip.tip_text}" if tip else f"Small moves first: track every spend for 7 days, then cut your top category ({top_name}) by 20% and push the saving into a jar." else: answer = (f"Quick summary: you received {money(income)}, spent {money(expenses)}, and still have {money(all_balance)}. " f"You spend about {money(burn)} a day, so your money can last about {days_left} days. " f"Try asking 'how much did I spend on {top_name if cat_rows else 'food'}?', 'can I afford 5k?' or 'who owes me?'.") if pidgin and not answer.endswith('.'): answer += '.' followups = [ 'Can 15k last 12 days?', 'What is my daily limit to month end?', 'Which 2 categories should I cut first?', 'Build me a 50/30/20 plan for next month', ] if top_name not in ('nothing yet', 'No spend yet'): followups.insert(0, f'How do I cut {top_name}?') return Response({ 'answer': answer, 'balance': all_balance, 'burn': burn, 'days_left': days_left, 'top': {'name': top_name, 'total': top_amt}, 'followups': followups[:4], 'echo': {'allowance_day': allowance_day, 'horizon_days': horizon_days, 'history_seen': len(history)}, }) class AdminAnalyticsView(APIView): permission_classes = [permissions.IsAdminUser] def get(self, request): return Response({'active_users': __import__('accounts.models', fromlist=['User']).User.objects.filter(is_active=True).count(), 'total_transactions': Transaction.objects.filter(is_deleted=False).count(), 'top_categories': list(Transaction.objects.filter(is_deleted=False, type='expense').values('category__name').annotate(total=Count('id')).order_by('-total')[:5])})