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Pure — the calendar maths that turns a set of\n * subscriptions into \"what leaves the account, and when\".\n *\n * Kept out of the backend so it can be tested without a database, and so the\n * browser could run the same projection if it ever needed to.\n */\nimport type { MonthBucket, ProjectedCharge, SubscriptionView } from \"./types.ts\";\nimport { isLive } from \"./types.ts\";\nimport { advanceByCycle, normaliseNextCharge, periodOf, shiftPeriod, today } from \"./money.ts\";\n\n/** Bound on how many charges one subscription can contribute — 20 years of monthly. */\nconst MAX_ITERATIONS = 240;\n\nexport function projectCharges(\n subs: SubscriptionView[],\n opts: { from?: string; until: string },\n): ProjectedCharge[] {\n const from = opts.from ?? today();\n const out: ProjectedCharge[] = [];\n\n for (const s of subs) {\n if (!isLive(s.status) || !s.nextChargeOn) continue;\n // A stale next-charge date rolls forward to the first one still ahead of us,\n // so a row nobody has touched in months still forecasts correctly.\n let date = normaliseNextCharge(s.nextChargeOn, s.billingCycle, from);\n for (let i = 0; i < MAX_ITERATIONS && date <= opts.until; i++) {\n out.push({\n subscriptionId: s.id,\n serviceName: s.serviceName,\n date,\n amountMinor: s.amountMinor,\n currency: s.currency,\n baseMinor: Math.round(s.amountMinor * s.fxRate),\n billingCycle: s.billingCycle,\n });\n // Auto-renew off means the charge already scheduled happens and nothing after it.\n if (!s.autoRenew) break;\n date = advanceByCycle(date, s.billingCycle);\n }\n }\n return out.sort((a, b) => a.date.localeCompare(b.date) || a.serviceName.localeCompare(b.serviceName));\n}\n\n/** Group into calendar months, keeping empty months so the chart has a continuous axis. */\nexport function bucketByMonth(charges: ProjectedCharge[], startPeriod: string, months: number): MonthBucket[] {\n const buckets: MonthBucket[] = [];\n const index = new Map();\n for (let i = 0; i < months; i++) {\n const period = shiftPeriod(startPeriod, i);\n const bucket: MonthBucket = { period, baseMinor: 0, charges: [] };\n buckets.push(bucket);\n index.set(period, bucket);\n }\n for (const c of charges) {\n const bucket = index.get(periodOf(c.date));\n if (!bucket) continue;\n bucket.baseMinor += c.baseMinor;\n bucket.charges.push(c);\n }\n return buckets;\n}\n","createdAt",["D",1788290412822],"branchVersion","branchId","723ee93a-6b67-428c-b3cc-6f9491011d78","id","5588f200-1c41-400f-bf66-81f9f6ac0211","subscriptions",["D",1788290256185],"deletedAt","legacyEnvVars","privacy","public","httpPrivacy","description","Track subscriptions, forecast spend, decide what to 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Shared types used by both the backend and the browser bundle. */\n\nexport type Currency = \"PLN\" | \"USD\" | \"EUR\";\nexport const CURRENCIES: Currency[] = [\"PLN\", \"USD\", \"EUR\"];\n\nexport type BillingCycle = \"monthly\" | \"yearly\";\nexport const BILLING_CYCLES: BillingCycle[] = [\"monthly\", \"yearly\"];\n\nexport type SubscriptionStatus = \"active\" | \"trial\" | \"paused\" | \"cancelled\";\n\n/** Statuses that still cost money and still get forecast, rated and reminded about. */\nexport const LIVE_STATUSES: SubscriptionStatus[] = [\"active\", \"trial\"];\n\nexport function isLive(status: SubscriptionStatus): boolean {\n return status === \"active\" || status === \"trial\";\n}\n\nexport interface Service {\n id: number;\n name: string;\n /** Sender domain of confirmation mail, used to match forwarded email to a service. */\n vendorDomain: string | null;\n category: string | null;\n notes: string | null;\n createdAt: string;\n}\n\nexport interface Subscription {\n id: number;\n serviceId: number;\n serviceName: string;\n category: string | null;\n planName: string | null;\n /** Native amount in minor units (grosze / cents). Never a float. */\n amountMinor: number;\n currency: Currency;\n billingCycle: BillingCycle;\n startedOn: string | null;\n /** ISO date of the next expected charge. Drives forecasts and reminders. */\n nextChargeOn: string | null;\n status: SubscriptionStatus;\n cancelledOn: string | null;\n cancelReason: string | null;\n paymentMethod: string | null;\n autoRenew: boolean;\n /** Where the row came from: typed in by hand, or extracted from a forwarded email. */\n source: \"manual\" | \"email\";\n notes: string | null;\n createdAt: string;\n updatedAt: string;\n}\n\n/** A real payment that happened, as opposed to a projected one. */\nexport interface Charge {\n id: number;\n subscriptionId: number;\n chargedOn: string;\n amountMinor: number;\n currency: Currency;\n /** Value in base currency at the time of the charge, so history is not re-rated by later FX moves. */\n baseMinor: number;\n fxRate: number;\n source: \"manual\" | \"email\" | \"projected\";\n inboundEmailId: number | null;\n createdAt: string;\n}\n\n/** One month's worth of \"how good is this, really\". */\nexport interface Rating {\n id: number;\n subscriptionId: number;\n /** YYYY-MM */\n period: string;\n /** 1..5 — how happy am I with the quality of the service. */\n quality: number;\n /** 1..5 — how often do I actually use it. */\n usage: number;\n note: string | null;\n createdAt: string;\n}\n\nexport type ReviewKind =\n | \"confirm_new\"\n | \"renewal_soon\"\n | \"yearly_upcoming\"\n | \"rating_due\"\n | \"cancel_candidate\";\n\nexport type ReviewStatus = \"open\" | \"done\" | \"dismissed\";\n\n/** The actionable inbox: the thing that stops a \"I meant to cancel that\" from evaporating. */\nexport interface ReviewItem {\n id: number;\n subscriptionId: number | null;\n kind: ReviewKind;\n status: ReviewStatus;\n title: string;\n detail: string | null;\n dueOn: string | null;\n createdAt: string;\n resolvedAt: string | null;\n}\n\nexport type EmailIntent = \"ingest\" | \"question\" | \"command\" | \"unknown\";\n\nexport interface InboundEmail {\n id: number;\n messageId: string | null;\n fromAddr: string;\n subject: string | null;\n intent: EmailIntent;\n handled: boolean;\n result: string | null;\n createdAt: string;\n}\n\n/** Verdict for a single subscription, computed from its recent ratings and its cost. */\nexport interface Verdict {\n /** Recency-weighted quality, 1..5, or null when never rated. */\n quality: number | null;\n usage: number | null;\n /** Harmonic mean of quality and usage — punishes \"great but unused\" and \"used but bad\". */\n score: number | null;\n ratedMonths: number;\n band: \"keep\" | \"watch\" | \"cancel_candidate\" | \"unrated\";\n reason: string;\n}\n\n/** A subscription plus everything the dashboard needs to render a row. */\nexport interface SubscriptionView extends Subscription {\n /** Native cost normalised to a month, in minor units of the native currency. */\n monthlyMinor: number;\n yearlyMinor: number;\n /** Same, converted to the base currency. */\n monthlyBaseMinor: number;\n yearlyBaseMinor: number;\n /** Units of base currency per unit of this subscription's currency, at render time. */\n fxRate: number;\n verdict: Verdict;\n latestRating: Rating | null;\n /** True when this month has no rating yet and the subscription is live. */\n ratingDue: boolean;\n}\n\n/** One projected (not yet charged) payment. */\nexport interface ProjectedCharge {\n subscriptionId: number;\n serviceName: string;\n date: string;\n amountMinor: number;\n currency: Currency;\n baseMinor: number;\n billingCycle: BillingCycle;\n}\n\nexport interface MonthBucket {\n /** YYYY-MM */\n period: string;\n baseMinor: number;\n charges: ProjectedCharge[];\n}\n\nexport interface Summary {\n baseCurrency: Currency;\n /** Sum of monthly-equivalents of everything live — the steady-state burn. */\n monthlyRunRateBaseMinor: number;\n yearlyRunRateBaseMinor: number;\n /** What the next 30 days will actually cost, on the calendar. */\n next30DaysBaseMinor: number;\n /** Calendar-accurate 12-month projection, so yearly renewals land in their real month. */\n next12MonthsBaseMinor: number;\n activeCount: number;\n monthlyCount: number;\n yearlyCount: number;\n /** Cumulative monthly-equivalent not spent since each cancellation. */\n savedToDateBaseMinor: number;\n /** Monthly-equivalent of everything cancelled — the ongoing saving. */\n savedPerMonthBaseMinor: number;\n openReviewCount: number;\n ratingDueCount: number;\n}\n",[],[152,199],"7e542ab3-108c-44d6-8108-02d6e5e4f01f","money.ts","09979014-a63a-11f1-83e6-1607ee4eb77e",9,["D",1788290362431],"/**\n * Money and billing-cycle maths. Pure — no imports, runs on both sides.\n *\n * Amounts are integer minor units (grosze / cents) everywhere. PLN, USD and EUR\n * all have two decimal places, so one constant covers every supported currency.\n */\nimport type { BillingCycle, Currency } from \"./types.ts\";\n\nexport const MINOR = 100;\n\nexport function toMinor(amount: number): number {\n return Math.round(amount * MINOR);\n}\n\nexport function fromMinor(minor: number): number {\n return minor / MINOR;\n}\n\nconst SYMBOLS: Record = { PLN: \"zł\", USD: \"$\", EUR: \"€\" };\n\n/** \"1 234,56 zł\" for PLN, \"$1,234.56\" for USD/EUR — matches where each symbol normally sits. */\nexport function formatMoney(minor: number, currency: Currency, opts?: { compact?: boolean }): string {\n const value = fromMinor(minor);\n const locale = currency === \"PLN\" ? \"pl-PL\" : \"en-US\";\n const body = value.toLocaleString(locale, {\n minimumFractionDigits: opts?.compact ? 0 : 2,\n maximumFractionDigits: opts?.compact ? 0 : 2,\n });\n return currency === \"PLN\" ? `${body} ${SYMBOLS.PLN}` : `${SYMBOLS[currency]}${body}`;\n}\n\n/**\n * Cost of one cycle expressed as a month.\n *\n * A yearly subscription is divided by twelve — this is the \"average monthly cost\"\n * that makes a 600 zł/year plan comparable to a 49 zł/month one. It is a run-rate,\n * not a cash-flow figure; the calendar projection below is what tells you when the\n * money actually leaves.\n */\nexport function monthlyEquivalentMinor(amountMinor: number, cycle: BillingCycle): number {\n return cycle === \"yearly\" ? Math.round(amountMinor / 12) : amountMinor;\n}\n\nexport function yearlyEquivalentMinor(amountMinor: number, cycle: BillingCycle): number {\n return cycle === \"yearly\" ? amountMinor : amountMinor * 12;\n}\n\n// ---------------------------------------------------------------------------\n// Dates. Stored as YYYY-MM-DD strings and manipulated in UTC so that a server in\n// one timezone and a browser in another agree on which day a charge lands.\n// ---------------------------------------------------------------------------\n\nexport function today(now: Date = new Date()): string {\n return toISODate(now);\n}\n\nexport function toISODate(d: Date): string {\n return d.toISOString().slice(0, 10);\n}\n\nexport function parseISODate(s: string): Date {\n const [y, m, d] = s.split(\"-\").map(Number);\n return new Date(Date.UTC(y, m - 1, d));\n}\n\n/** YYYY-MM for a date string. */\nexport function periodOf(isoDate: string): string {\n return isoDate.slice(0, 7);\n}\n\nexport function currentPeriod(now: Date = new Date()): string {\n return toISODate(now).slice(0, 7);\n}\n\n/** Previous period, e.g. \"2026-01\" -> \"2025-12\". */\nexport function shiftPeriod(period: string, months: number): string {\n const [y, m] = period.split(\"-\").map(Number);\n const d = new Date(Date.UTC(y, m - 1 + months, 1));\n return toISODate(d).slice(0, 7);\n}\n\n/**\n * Add months, clamping the day to the end of the target month.\n * 31 Jan + 1 month is 28/29 Feb, which is how card renewals actually behave.\n */\nexport function addMonths(isoDate: string, months: number): string {\n const d = parseISODate(isoDate);\n const day = d.getUTCDate();\n const target = new Date(Date.UTC(d.getUTCFullYear(), d.getUTCMonth() + months, 1));\n const lastDay = new Date(Date.UTC(target.getUTCFullYear(), target.getUTCMonth() + 1, 0)).getUTCDate();\n target.setUTCDate(Math.min(day, lastDay));\n return toISODate(target);\n}\n\nexport function addDays(isoDate: string, days: number): string {\n const d = parseISODate(isoDate);\n d.setUTCDate(d.getUTCDate() + days);\n return toISODate(d);\n}\n\nexport function advanceByCycle(isoDate: string, cycle: BillingCycle): string {\n return addMonths(isoDate, cycle === \"yearly\" ? 12 : 1);\n}\n\nexport function daysBetween(from: string, to: string): number {\n return Math.round((parseISODate(to).getTime() - parseISODate(from).getTime()) / 86_400_000);\n}\n\n/**\n * Roll a stale next-charge date forward until it is in the future.\n * Cheaper than a backfill job: a subscription whose date was never updated still\n * forecasts correctly, and the loop is bounded so bad data cannot hang a request.\n */\nexport function normaliseNextCharge(nextChargeOn: string, cycle: BillingCycle, from: string): string {\n let next = nextChargeOn;\n for (let i = 0; i < 240 && next < from; i++) {\n next = advanceByCycle(next, cycle);\n }\n return next;\n}\n",[],[152,207],"9353e38a-fea3-4c76-a556-ccfc0c7b0461","grade.ts","24db9dfc-a63a-11f1-9b8b-1607ee4eb77e",10,["D",1788290408143],"/**\n * Turning two monthly grades into a keep/cancel verdict.\n *\n * Each month you give a subscription two scores out of five: how good it is\n * (quality) and how much you actually reach for it (usage). Neither alone is a\n * decision — a brilliant tool you opened twice is still money leaving, and a\n * mediocre one you live in is worth keeping. So the two are combined with a\n * harmonic mean, which collapses toward whichever score is *worse*: 5 and 1 give\n * 1.7, not 3. Lopsided pairs are exactly the ones worth surfacing.\n */\nimport type { Rating, Verdict } from \"./types.ts\";\nimport { shiftPeriod } from \"./money.ts\";\n\n/** How many months of history feed a verdict. */\nexport const WINDOW_MONTHS = 6;\n/** Each month back counts for three quarters of the one after it. */\nconst DECAY = 0.75;\n\nexport const KEEP_THRESHOLD = 3.5;\nexport const WATCH_THRESHOLD = 2.5;\n\nexport function harmonicMean(a: number, b: number): number {\n if (a <= 0 || b <= 0) return 0;\n return (2 * a * b) / (a + b);\n}\n\nexport interface VerdictInput {\n ratings: Rating[];\n currentPeriod: string;\n /** Monthly cost in base currency, used to escalate an expensive middling service. */\n monthlyBaseMinor?: number;\n /** Cost above which \"watch\" becomes \"cancel candidate\". Typically the portfolio median. */\n expensiveThresholdMinor?: number;\n}\n\nexport function computeVerdict(input: VerdictInput): Verdict {\n const { ratings, currentPeriod, monthlyBaseMinor, expensiveThresholdMinor } = input;\n\n // Index the window by period so gaps (months you skipped) simply carry no weight.\n const windowPeriods = new Map();\n for (let i = 0; i < WINDOW_MONTHS; i++) {\n windowPeriods.set(shiftPeriod(currentPeriod, -i), Math.pow(DECAY, i));\n }\n\n let qSum = 0, uSum = 0, wSum = 0, months = 0;\n for (const r of ratings) {\n const w = windowPeriods.get(r.period);\n if (w === undefined) continue;\n qSum += r.quality * w;\n uSum += r.usage * w;\n wSum += w;\n months++;\n }\n\n if (wSum === 0) {\n return {\n quality: null,\n usage: null,\n score: null,\n ratedMonths: 0,\n band: \"unrated\",\n reason: \"No ratings yet — rate it once to get a verdict.\",\n };\n }\n\n const quality = round1(qSum / wSum);\n const usage = round1(uSum / wSum);\n const score = round1(harmonicMean(quality, usage));\n\n let band: Verdict[\"band\"] = score >= KEEP_THRESHOLD ? \"keep\" : score >= WATCH_THRESHOLD ? \"watch\" : \"cancel_candidate\";\n\n const expensive = monthlyBaseMinor !== undefined\n && expensiveThresholdMinor !== undefined\n && monthlyBaseMinor > expensiveThresholdMinor;\n\n // An above-median cost only has to be middling, not bad, to deserve a decision.\n if (band === \"watch\" && expensive) band = \"cancel_candidate\";\n\n return { quality, usage, score, ratedMonths: months, band, reason: explain(quality, usage, score, band, expensive) };\n}\n\nfunction explain(quality: number, usage: number, score: number, band: Verdict[\"band\"], expensive: boolean): string {\n const gap = quality - usage;\n if (gap >= 1.5) {\n return `Good service (${quality}) you barely use (${usage}) — the usual cancel candidate.`;\n }\n if (gap <= -1.5) {\n return `You use it (${usage}) despite rating it ${quality} — look for a better alternative.`;\n }\n if (band === \"keep\") return `Solid on both axes (${quality} quality, ${usage} usage).`;\n if (band === \"cancel_candidate\" && expensive) {\n return `Middling (${score}) and above your median cost — decide on it.`;\n }\n if (band === \"cancel_candidate\") return `Low on both axes (${quality} quality, ${usage} usage).`;\n return `Neither good nor bad (${score}) — worth a conscious decision.`;\n}\n\nfunction round1(n: number): number {\n return Math.round(n * 10) / 10;\n}\n\nexport function bandLabel(band: Verdict[\"band\"]): string {\n return { keep: \"Keep\", watch: \"Watch\", cancel_candidate: \"Cancel?\", unrated: \"Unrated\" }[band];\n}\n\n/** Median of the live monthly costs — the reference point for \"expensive\". */\nexport function medianMinor(values: number[]): number | undefined {\n if (values.length === 0) return undefined;\n const sorted = [...values].sort((a, b) => a - b);\n const mid = Math.floor(sorted.length / 2);\n return sorted.length % 2 ? 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Diff · v11