fin-tracker/backend/tests/analytics/test_networth.py

from datetime import timedelta
from decimal import Decimal

from sqlalchemy import select

from factories import make_account, make_cbr_rate, make_txn, refresh
from fintracker.analytics import today_local
from fintracker.db import get_sessionmaker
from fintracker.models import AccountRole, MetricDataQuality, MetricNetWorthDaily


async def series() -> dict:
    async with get_sessionmaker()() as session:
        rows = (
            (await session.execute(select(MetricNetWorthDaily).order_by(MetricNetWorthDaily.d)))
            .scalars()
            .all()
        )
        return {r.d: r for r in rows}


async def test_series_is_reconstructed_backwards_from_the_current_balance(app):
    t = today_local()
    card = await make_account(name="Карта", balance="10000")
    await make_txn(t - timedelta(days=5), outcome="1000", outcome_account_id=card)
    await make_txn(t - timedelta(days=3), income="5000", income_account_id=card)
    await make_txn(t - timedelta(days=1), outcome="500", outcome_account_id=card)
    await refresh()

    rows = await series()
    assert min(rows) == t - timedelta(days=5)
    assert max(rows) == t
    expected = {
        t: Decimal("10000"),
        t - timedelta(days=1): Decimal("10000"),
        t - timedelta(days=2): Decimal("10500"),
        t - timedelta(days=3): Decimal("10500"),
        t - timedelta(days=4): Decimal("5500"),
        t - timedelta(days=5): Decimal("5500"),
    }
    assert {d: r.total_rub for d, r in rows.items()} == expected
    assert rows[t].liquid_rub == Decimal("10000")
    assert rows[t].by_currency == {"RUB": "10000.0000000000"}


async def test_foreign_account_converts_at_each_days_rate(app):
    t = today_local()
    await make_account(name="Валютный", currency="USD", balance="100")
    await make_txn(t - timedelta(days=2), outcome="10", outcome_currency="USD")
    await make_cbr_rate(t - timedelta(days=2), "USD", "90")
    await make_cbr_rate(t, "USD", "100")
    await refresh()

    rows = await series()
    assert rows[t - timedelta(days=2)].total_rub == Decimal("9000")
    assert rows[t].total_rub == Decimal("10000")
    assert rows[t].by_currency == {"USD": "100.0000000000"}


async def test_unquoted_currency_is_excluded_and_counted(app):
    t = today_local()
    await make_account(name="Рубли", balance="1000")
    await make_account(name="Биток", currency="XBT", balance="2")
    await make_txn(t - timedelta(days=1), outcome="100")
    await refresh()

    rows = await series()
    assert rows[t].total_rub == Decimal("1000")
    assert rows[t].missing_fx_count == 1
    assert rows[t].by_currency == {"RUB": "1000.0000000000", "XBT": "2.0000000000"}

    async with get_sessionmaker()() as session:
        checks = {
            r.check_name for r in (await session.execute(select(MetricDataQuality))).scalars().all()
        }
    assert "unquoted_currency" in checks
    assert "missing_fx" in checks


async def test_debt_bucket_is_negative_and_lowers_the_total(app):
    t = today_local()
    await make_account(name="Карта", balance="10000")
    await make_account(name="Кредитка", balance="-3000", role=AccountRole.debt)
    await make_account(name="Вклад", balance="50000", role=AccountRole.savings)
    await make_txn(t - timedelta(days=1), outcome="100")
    await refresh()

    row = (await series())[t]
    assert row.debt_rub == Decimal("-3000")
    assert row.savings_rub == Decimal("50000")
    assert row.total_rub == Decimal("57000")


async def test_account_without_balance_is_skipped_and_reported(app):
    t = today_local()
    await make_account(name="Карта", balance="1000")
    await make_account(name="Без баланса", balance=None)
    await make_txn(t - timedelta(days=1), outcome="100")
    await refresh()

    assert (await series())[t].total_rub == Decimal("1000")
    async with get_sessionmaker()() as session:
        rows = (
            (
                await session.execute(
                    select(MetricDataQuality).where(
                        MetricDataQuality.check_name == "account_without_balance"
                    )
                )
            )
            .scalars()
            .all()
        )
    assert len(rows) == 1


async def test_mirror_and_excluded_accounts_are_ignored(app):
    t = today_local()
    broker = await make_account(name="Брокер", balance="100000", role=AccountRole.investment)
    await make_account(name="Зеркало", balance="100000", mirror_of_account_id=broker)
    await make_account(name="Скрытый", balance="5000", include_in_net_worth=False)
    await make_txn(t - timedelta(days=1), outcome="100")
    await refresh()

    row = (await series())[t]
    assert row.total_rub == Decimal("100000")
    assert row.investment_rub == Decimal("100000")


async def findings(check_name: str) -> list[MetricDataQuality]:
    async with get_sessionmaker()() as session:
        return list(
            (
                await session.execute(
                    select(MetricDataQuality).where(MetricDataQuality.check_name == check_name)
                )
            )
            .scalars()
            .all()
        )


async def test_transfer_to_an_excluded_account_is_reported(app):
    """One leg inside net worth, one leg on an excluded account: the value did not leave the
    household, but the series shows it leaving."""
    t = today_local()
    card = await make_account(name="Карта", balance="10000")
    hidden = await make_account(name="Скрытый", balance="5000", include_in_net_worth=False)
    await make_txn(
        t - timedelta(days=1),
        income="1000",
        income_account_id=hidden,
        outcome="1000",
        outcome_account_id=card,
    )
    await make_txn(t - timedelta(days=2), outcome="100", outcome_account_id=card)
    await refresh()

    rows = await findings("transfer_out_of_net_worth")
    assert len(rows) == 1  # aggregated once per refresh, not per day
    assert rows[0].severity == "info"
    assert rows[0].count == 1
    assert rows[0].ref == {"account_ids": [hidden]}


async def test_transfer_between_two_included_accounts_is_not_reported(app):
    t = today_local()
    card = await make_account(name="Карта", balance="10000")
    deposit = await make_account(name="Вклад", balance="5000", role=AccountRole.savings)
    await make_txn(
        t - timedelta(days=1),
        income="1000",
        income_account_id=deposit,
        outcome="1000",
        outcome_account_id=card,
    )
    await refresh()

    assert await findings("transfer_out_of_net_worth") == []


async def test_missing_fx_days_are_named_and_total_stays_computed(app):
    """`total_rub` keeps the convertible buckets (a NULL would break the chart); the silent
    understatement is reported instead."""
    t = today_local()
    await make_account(name="Рубли", balance="1000")
    await make_account(name="Биток", currency="XBT", balance="2")
    await make_txn(t - timedelta(days=2), outcome="100")
    await refresh()

    rows = await series()
    assert len(rows) == 3
    assert rows[t].total_rub == Decimal("1000")
    assert rows[t].missing_fx_count == 1

    found = await findings("networth_missing_fx")
    assert len(found) == 1
    assert found[0].severity == "warn"
    assert found[0].count == 3  # every day of the series is affected
    assert found[0].ref == {"currencies": ["XBT"], "days": 3}