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ba3b20627d
* feat(balance): persist daily balance snapshots for linked accounts (SnapTrade, Plaid) When updating a linked account's balance, the previous day's current_anchor is now preserved as a reconciliation valuation before being replaced. This creates a chain of API-reported balance waypoints over time. The ReverseCalculator has been updated to treat these reconciliation valuations as reset points during reverse syncs, ensuring historical balances accurately reflect the known API-reported values even with incomplete transaction history. * fix(balance): don't treat current_anchor as reconciliation waypoint The ReverseCalculator was incorrectly treating the current_anchor valuation (on Date.current) as a reconciliation waypoint, causing it to reset the balance and ignore same-day transactions. This fix adds a check to ensure only true reconciliation entries (entryable.reconciliation?) trigger the reset behavior. Additionally, set_current_balance_for_linked_account is now wrapped in a database transaction to ensure atomicity when preserving stale anchors and creating/updating the current anchor. Logging has been improved to use debug level for amount details. A regression test was added to verify that same-day flows are correctly processed when a current_anchor exists on the current date. * test(account): ensure preserved valuations use correct historical date Add validation that valuation entries created during balance preservation are dated as of yesterday. This prevents future-dated entries and maintains temporal accuracy in financial snapshots. * refactor: remove redundant transaction block and unused method comment in current balance manager * refactor(account): remove redundant valuations reload in CurrentBalanceManager and add regression test for consecutive reconciliation waypoints * refactor: remove redundant transaction block and update anchor rotation log to include entry ID
630 lines
28 KiB
Ruby
630 lines
28 KiB
Ruby
require "test_helper"
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class Balance::ReverseCalculatorTest < ActiveSupport::TestCase
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include LedgerTestingHelper
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# When syncing backwards, we start with the account balance and generate everything from there.
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test "when missing anchor and no entries, falls back to cached account balance" do
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account = create_account_with_ledger(
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account: { type: Depository, balance: 20000, cash_balance: 20000, currency: "USD" },
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entries: []
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)
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assert_equal 20000, account.balance
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calculated = Balance::ReverseCalculator.new(account).calculate
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: 0,
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adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
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}
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]
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)
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end
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# Reconciliation valuations act as waypoints during reverse syncs. This ensures that
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# historical balances accurately reflect the API-reported values, even if the transaction
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# history is incomplete or missing.
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test "reconciliation valuations act as waypoints that reset balance for reverse syncs" do
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account = create_account_with_ledger(
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account: { type: Depository, balance: 20000, cash_balance: 20000, currency: "USD" },
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entries: [
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{ type: "current_anchor", date: Date.current, balance: 20000 },
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{ type: "reconciliation", date: 2.days.ago, balance: 17000 }, # Waypoint!
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{ type: "opening_anchor", date: 4.days.ago, balance: 15000 }
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]
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)
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calculated = Balance::ReverseCalculator.new(account).calculate
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: 0,
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adjustments: 0
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}, # Current anchor
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{
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date: 1.day.ago,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: 0,
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adjustments: 0
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}, # Derived from Current anchor
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{
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date: 2.days.ago,
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legacy_balances: { balance: 17000, cash_balance: 17000 },
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balances: { start: 17000, start_cash: 17000, start_non_cash: 0, end_cash: 17000, end_non_cash: 0, end: 17000 },
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flows: 0,
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adjustments: 0
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}, # Reset by Reconciliation waypoint
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{
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date: 3.days.ago,
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legacy_balances: { balance: 17000, cash_balance: 17000 },
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balances: { start: 17000, start_cash: 17000, start_non_cash: 0, end_cash: 17000, end_non_cash: 0, end: 17000 },
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flows: 0,
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adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
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}, # Derived from Reconciliation waypoint
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{
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date: 4.days.ago,
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legacy_balances: { balance: 15000, cash_balance: 15000 },
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balances: { start: 15000, start_cash: 15000, start_non_cash: 0, end_cash: 15000, end_non_cash: 0, end: 15000 },
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flows: 0,
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adjustments: 0
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} # Opening anchor
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]
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)
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end
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# Steady-state production scenario: after several consecutive daily syncs, a chain of
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# reconciliation waypoints accumulates. Each waypoint must independently reset the
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# balance without interactions leaking between them or toward the opening_anchor.
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# Non-monotonic balance values (up and down) confirm each reset is truly independent.
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test "multiple consecutive reconciliation waypoints thread through independently" do
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account = create_account_with_ledger(
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account: { type: Depository, balance: 25000, cash_balance: 25000, currency: "USD" },
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entries: [
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{ type: "current_anchor", date: Date.current, balance: 25000 },
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{ type: "reconciliation", date: 1.day.ago, balance: 23000 }, # Waypoint 1 (down)
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{ type: "reconciliation", date: 2.days.ago, balance: 24500 }, # Waypoint 2 (up — non-monotonic)
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{ type: "reconciliation", date: 3.days.ago, balance: 21000 }, # Waypoint 3 (down)
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{ type: "reconciliation", date: 4.days.ago, balance: 22000 }, # Waypoint 4 (up — non-monotonic)
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{ type: "transaction", date: 5.days.ago, amount: 500 }, # Expense in the gap
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{ type: "transaction", date: 6.days.ago, amount: -300 }, # Income in the gap
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{ type: "opening_anchor", date: 7.days.ago, balance: 18000 }
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]
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)
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calculated = Balance::ReverseCalculator.new(account).calculate
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 25000, cash_balance: 25000 },
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balances: { start: 25000, start_cash: 25000, start_non_cash: 0, end_cash: 25000, end_non_cash: 0, end: 25000 },
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flows: 0,
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adjustments: 0
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}, # Current anchor
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{
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date: 1.day.ago,
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legacy_balances: { balance: 23000, cash_balance: 23000 },
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balances: { start: 23000, start_cash: 23000, start_non_cash: 0, end_cash: 23000, end_non_cash: 0, end: 23000 },
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flows: 0,
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adjustments: 0
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}, # Waypoint 1: reset to 23000 (independent of current_anchor 25000)
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{
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date: 2.days.ago,
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legacy_balances: { balance: 24500, cash_balance: 24500 },
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balances: { start: 24500, start_cash: 24500, start_non_cash: 0, end_cash: 24500, end_non_cash: 0, end: 24500 },
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flows: 0,
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adjustments: 0
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}, # Waypoint 2: reset UP to 24500 (proves no carry-forward from waypoint 1's 23000)
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{
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date: 3.days.ago,
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legacy_balances: { balance: 21000, cash_balance: 21000 },
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balances: { start: 21000, start_cash: 21000, start_non_cash: 0, end_cash: 21000, end_non_cash: 0, end: 21000 },
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flows: 0,
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adjustments: 0
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}, # Waypoint 3: reset down to 21000
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{
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date: 4.days.ago,
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legacy_balances: { balance: 22000, cash_balance: 22000 },
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balances: { start: 22000, start_cash: 22000, start_non_cash: 0, end_cash: 22000, end_non_cash: 0, end: 22000 },
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flows: 0,
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adjustments: 0
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}, # Waypoint 4: reset up to 22000 (last waypoint before the gap)
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{
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date: 5.days.ago,
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legacy_balances: { balance: 22000, cash_balance: 22000 },
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balances: { start: 22500, start_cash: 22500, start_non_cash: 0, end_cash: 22000, end_non_cash: 0, end: 22000 },
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flows: { cash_inflows: 0, cash_outflows: 500 },
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adjustments: 0
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}, # Expense derived from waypoint 4's 22000
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{
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date: 6.days.ago,
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legacy_balances: { balance: 22500, cash_balance: 22500 },
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balances: { start: 22200, start_cash: 22200, start_non_cash: 0, end_cash: 22500, end_non_cash: 0, end: 22500 },
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flows: { cash_inflows: 300, cash_outflows: 0 },
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adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
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}, # Income derived further back, right before opening_anchor
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{
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date: 7.days.ago,
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legacy_balances: { balance: 18000, cash_balance: 18000 },
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balances: { start: 18000, start_cash: 18000, start_non_cash: 0, end_cash: 18000, end_non_cash: 0, end: 18000 },
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flows: 0,
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adjustments: 0
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} # Opening anchor
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]
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)
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end
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test "same-day flows are not ignored when processing current_anchor valuation" do
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# This regression test ensures that the ReverseCalculator does not mistake the
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# current_anchor valuation (on Date.current) for a reconciliation waypoint,
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# which would cause it to reset the balance and ignore same-day transactions.
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account = create_account_with_ledger(
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account: { type: Depository, balance: 20000, cash_balance: 20000, currency: "USD" },
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entries: [
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{ type: "current_anchor", date: Date.current, balance: 20000 },
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# A transaction on the same day as the current anchor!
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# If we incorrectly "reset" at Date.current, this flow is ignored.
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{ type: "transaction", date: Date.current, amount: -500 },
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{ type: "reconciliation", date: 2.days.ago, balance: 18000 },
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{ type: "opening_anchor", date: 4.days.ago, balance: 15000 }
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]
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)
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calculated = Balance::ReverseCalculator.new(account).calculate
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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# Since there was a $500 income (amount: -500) today, the START balance
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# of today must be 19500 to end at 20000.
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balances: { start: 19500, start_cash: 19500, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: { cash_inflows: 500, cash_outflows: 0 },
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adjustments: 0
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},
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{
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date: 1.day.ago,
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legacy_balances: { balance: 19500, cash_balance: 19500 },
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balances: { start: 19500, start_cash: 19500, start_non_cash: 0, end_cash: 19500, end_non_cash: 0, end: 19500 },
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flows: 0,
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adjustments: 0
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},
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{
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date: 2.days.ago,
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legacy_balances: { balance: 18000, cash_balance: 18000 },
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balances: { start: 18000, start_cash: 18000, start_non_cash: 0, end_cash: 18000, end_non_cash: 0, end: 18000 },
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flows: 0,
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adjustments: 0
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}, # Reset by Reconciliation waypoint
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{
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date: 3.days.ago,
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legacy_balances: { balance: 18000, cash_balance: 18000 },
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balances: { start: 18000, start_cash: 18000, start_non_cash: 0, end_cash: 18000, end_non_cash: 0, end: 18000 },
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flows: 0,
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adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
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},
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{
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date: 4.days.ago,
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legacy_balances: { balance: 15000, cash_balance: 15000 },
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balances: { start: 15000, start_cash: 15000, start_non_cash: 0, end_cash: 15000, end_non_cash: 0, end: 15000 },
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flows: 0,
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adjustments: 0
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} # Opening anchor
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]
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)
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end
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# Investment account balances are made of two components: cash and holdings.
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test "anchors on investment accounts calculate cash balance dynamically based on holdings value" do
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account = create_account_with_ledger(
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account: { type: Investment, balance: 20000, cash_balance: 10000, currency: "USD" },
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entries: [
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{ type: "current_anchor", date: Date.current, balance: 20000 }, # "Total account value is $20,000 today"
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{ type: "opening_anchor", date: 1.day.ago, balance: 15000 } # "Total account value was $15,000 at the start of the account"
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],
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holdings: [
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{ date: Date.current, ticker: "AAPL", qty: 100, price: 100, amount: 10000 },
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{ date: 1.day.ago, ticker: "AAPL", qty: 100, price: 100, amount: 10000 }
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]
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)
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calculated = Balance::ReverseCalculator.new(account).calculate
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 20000, cash_balance: 10000 },
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balances: { start: 20000, start_cash: 10000, start_non_cash: 10000, end_cash: 10000, end_non_cash: 10000, end: 20000 },
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flows: { market_flows: 0 },
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adjustments: 0
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}, # Since $10,000 of holdings, cash has to be $10,000 to reach $20,000 total value
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{
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date: 1.day.ago,
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legacy_balances: { balance: 15000, cash_balance: 5000 },
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balances: { start: 15000, start_cash: 5000, start_non_cash: 10000, end_cash: 5000, end_non_cash: 10000, end: 15000 },
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flows: { market_flows: 0 },
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adjustments: 0
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} # Since $10,000 of holdings, cash has to be $5,000 to reach $15,000 total value
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]
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)
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end
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test "transactions on depository accounts affect cash balance" do
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account = create_account_with_ledger(
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account: { type: Depository, balance: 20000, cash_balance: 20000, currency: "USD" },
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entries: [
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{ type: "current_anchor", date: Date.current, balance: 20000 },
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{ type: "transaction", date: 2.days.ago, amount: 100 }, # expense
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{ type: "transaction", date: 4.days.ago, amount: -500 } # income
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]
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)
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calculated = Balance::ReverseCalculator.new(account).calculate
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: 0,
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adjustments: 0
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}, # Current balance
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{
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date: 1.day.ago,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: 0,
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adjustments: 0
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}, # No change
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{
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date: 2.days.ago,
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legacy_balances: { balance: 20000, cash_balance: 20000 },
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balances: { start: 20100, start_cash: 20100, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
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flows: { cash_inflows: 0, cash_outflows: 100 },
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adjustments: 0
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}, # After expense (+100)
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{
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date: 3.days.ago,
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legacy_balances: { balance: 20100, cash_balance: 20100 },
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balances: { start: 20100, start_cash: 20100, start_non_cash: 0, end_cash: 20100, end_non_cash: 0, end: 20100 },
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flows: 0,
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adjustments: 0
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}, # Before expense
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{
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date: 4.days.ago,
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legacy_balances: { balance: 20100, cash_balance: 20100 },
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balances: { start: 19600, start_cash: 19600, start_non_cash: 0, end_cash: 20100, end_non_cash: 0, end: 20100 },
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flows: { cash_inflows: 500, cash_outflows: 0 },
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adjustments: 0
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}, # After income (-500)
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{
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date: 5.days.ago,
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legacy_balances: { balance: 19600, cash_balance: 19600 },
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balances: { start: 19600, start_cash: 19600, start_non_cash: 0, end_cash: 19600, end_non_cash: 0, end: 19600 },
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flows: 0,
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adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
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} # After income (-500)
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]
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)
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end
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test "transactions on credit card accounts affect cash balance inversely" do
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account = create_account_with_ledger(
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account: { type: CreditCard, balance: 2000, cash_balance: 2000, currency: "USD" },
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entries: [
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{ type: "current_anchor", date: Date.current, balance: 2000 },
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{ type: "transaction", date: 2.days.ago, amount: 100 }, # expense (increases cash balance)
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{ type: "transaction", date: 4.days.ago, amount: -500 } # CC payment (reduces cash balance)
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]
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)
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calculated = Balance::ReverseCalculator.new(account).calculate
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# Reversed order: showing how we work backwards
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assert_calculated_ledger_balances(
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calculated_data: calculated,
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expected_data: [
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{
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date: Date.current,
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legacy_balances: { balance: 2000, cash_balance: 2000 },
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balances: { start: 2000, start_cash: 2000, start_non_cash: 0, end_cash: 2000, end_non_cash: 0, end: 2000 },
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flows: 0,
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adjustments: 0
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}, # Current balance
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{
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date: 1.day.ago,
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legacy_balances: { balance: 2000, cash_balance: 2000 },
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balances: { start: 2000, start_cash: 2000, start_non_cash: 0, end_cash: 2000, end_non_cash: 0, end: 2000 },
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flows: 0,
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adjustments: 0
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}, # No change
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{
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date: 2.days.ago,
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legacy_balances: { balance: 2000, cash_balance: 2000 },
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balances: { start: 1900, start_cash: 1900, start_non_cash: 0, end_cash: 2000, end_non_cash: 0, end: 2000 },
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flows: { cash_inflows: 0, cash_outflows: 100 },
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adjustments: 0
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}, # After expense (+100)
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{
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date: 3.days.ago,
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legacy_balances: { balance: 1900, cash_balance: 1900 },
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balances: { start: 1900, start_cash: 1900, start_non_cash: 0, end_cash: 1900, end_non_cash: 0, end: 1900 },
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flows: 0,
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adjustments: 0
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}, # Before expense
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{
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date: 4.days.ago,
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legacy_balances: { balance: 1900, cash_balance: 1900 },
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balances: { start: 2400, start_cash: 2400, start_non_cash: 0, end_cash: 1900, end_non_cash: 0, end: 1900 },
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flows: { cash_inflows: 500, cash_outflows: 0 },
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adjustments: 0
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}, # After CC payment (-500)
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{
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date: 5.days.ago,
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legacy_balances: { balance: 2400, cash_balance: 2400 },
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balances: { start: 2400, start_cash: 2400, start_non_cash: 0, end_cash: 2400, end_non_cash: 0, end: 2400 },
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flows: 0,
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adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
|
|
}
|
|
]
|
|
)
|
|
end
|
|
|
|
# A loan is a special case where despite being a "non-cash" account, it is typical to have "payment" transactions that reduce the loan principal (non cash balance)
|
|
test "loan payment transactions affect non cash balance" do
|
|
account = create_account_with_ledger(
|
|
account: { type: Loan, balance: 198000, cash_balance: 0, currency: "USD" },
|
|
entries: [
|
|
{ type: "current_anchor", date: Date.current, balance: 198000 },
|
|
# "Loan payment" of $2000, which reduces the principal
|
|
# TODO: We'll eventually need to calculate which portion of the txn was "interest" vs. "principal", but for now we'll just assume it's all principal
|
|
# since we don't have a first-class way to track interest payments yet.
|
|
{ type: "transaction", date: 1.day.ago.to_date, amount: -2000 }
|
|
]
|
|
)
|
|
|
|
calculated = Balance::ReverseCalculator.new(account).calculate
|
|
|
|
assert_calculated_ledger_balances(
|
|
calculated_data: calculated,
|
|
expected_data: [
|
|
{
|
|
date: Date.current,
|
|
legacy_balances: { balance: 198000, cash_balance: 0 },
|
|
balances: { start: 198000, start_cash: 0, start_non_cash: 198000, end_cash: 0, end_non_cash: 198000, end: 198000 },
|
|
flows: 0,
|
|
adjustments: 0
|
|
},
|
|
{
|
|
date: 1.day.ago,
|
|
legacy_balances: { balance: 198000, cash_balance: 0 },
|
|
balances: { start: 200000, start_cash: 0, start_non_cash: 200000, end_cash: 0, end_non_cash: 198000, end: 198000 },
|
|
flows: { non_cash_inflows: 2000, non_cash_outflows: 0, cash_inflows: 0, cash_outflows: 0 },
|
|
adjustments: 0
|
|
},
|
|
{
|
|
date: 2.days.ago,
|
|
legacy_balances: { balance: 200000, cash_balance: 0 },
|
|
balances: { start: 200000, start_cash: 0, start_non_cash: 200000, end_cash: 0, end_non_cash: 200000, end: 200000 },
|
|
flows: 0,
|
|
adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
|
|
}
|
|
]
|
|
)
|
|
end
|
|
|
|
test "non cash accounts can only use valuations and transactions will be recorded but ignored for balance calculation" do
|
|
[ Property, Vehicle, OtherAsset, OtherLiability ].each do |account_type|
|
|
account = create_account_with_ledger(
|
|
account: { type: account_type, balance: 1000, cash_balance: 0, currency: "USD" },
|
|
entries: [
|
|
{ type: "current_anchor", date: Date.current, balance: 1000 },
|
|
|
|
# Will be ignored for balance calculation due to account type of non-cash
|
|
{ type: "transaction", date: 1.day.ago, amount: -100 }
|
|
]
|
|
)
|
|
|
|
calculated = Balance::ReverseCalculator.new(account).calculate
|
|
|
|
assert_calculated_ledger_balances(
|
|
calculated_data: calculated,
|
|
expected_data: [
|
|
{
|
|
date: Date.current,
|
|
legacy_balances: { balance: 1000, cash_balance: 0 },
|
|
balances: { start: 1000, start_cash: 0, start_non_cash: 1000, end_cash: 0, end_non_cash: 1000, end: 1000 },
|
|
flows: 0,
|
|
adjustments: 0
|
|
},
|
|
{
|
|
date: 1.day.ago,
|
|
legacy_balances: { balance: 1000, cash_balance: 0 },
|
|
balances: { start: 1000, start_cash: 0, start_non_cash: 1000, end_cash: 0, end_non_cash: 1000, end: 1000 },
|
|
flows: 0,
|
|
adjustments: 0
|
|
},
|
|
{
|
|
date: 2.days.ago,
|
|
legacy_balances: { balance: 1000, cash_balance: 0 },
|
|
balances: { start: 1000, start_cash: 0, start_non_cash: 1000, end_cash: 0, end_non_cash: 1000, end: 1000 },
|
|
flows: 0,
|
|
adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
|
|
}
|
|
]
|
|
)
|
|
end
|
|
end
|
|
|
|
# When syncing backwards, trades from the past should NOT affect the current balance or previous balances.
|
|
# They should only affect the *cash* component of the historical balances
|
|
test "holdings and trades sync" do
|
|
# Account starts with $20,000 total value, $19,000 cash, $1,000 in holdings
|
|
account = create_account_with_ledger(
|
|
account: { type: Investment, balance: 20000, cash_balance: 19000, currency: "USD" },
|
|
entries: [
|
|
{ type: "current_anchor", date: Date.current, balance: 20000 },
|
|
# Bought 10 AAPL shares 1 day ago, so cash is $19,000, $1,000 in holdings, total value is $20,000
|
|
{ type: "trade", date: 1.day.ago.to_date, ticker: "AAPL", qty: 10, price: 100 }
|
|
],
|
|
holdings: [
|
|
{ date: Date.current, ticker: "AAPL", qty: 10, price: 100, amount: 1000 },
|
|
{ date: 1.day.ago.to_date, ticker: "AAPL", qty: 10, price: 100, amount: 1000 }
|
|
]
|
|
)
|
|
|
|
calculated = Balance::ReverseCalculator.new(account).calculate
|
|
|
|
# Given constant prices, overall balance (account value) should be constant
|
|
# (the single trade doesn't affect balance; it just alters cash vs. holdings composition)
|
|
assert_calculated_ledger_balances(
|
|
calculated_data: calculated,
|
|
expected_data: [
|
|
{
|
|
date: Date.current,
|
|
legacy_balances: { balance: 20000, cash_balance: 19000 },
|
|
balances: { start: 20000, start_cash: 19000, start_non_cash: 1000, end_cash: 19000, end_non_cash: 1000, end: 20000 },
|
|
flows: { market_flows: 0 },
|
|
adjustments: 0
|
|
}, # Current: $19k cash + $1k holdings (anchor)
|
|
{
|
|
date: 1.day.ago.to_date,
|
|
legacy_balances: { balance: 20000, cash_balance: 19000 },
|
|
balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 19000, end_non_cash: 1000, end: 20000 },
|
|
flows: { cash_inflows: 0, cash_outflows: 1000, non_cash_inflows: 1000, non_cash_outflows: 0, net_market_flows: 0 },
|
|
adjustments: 0
|
|
}, # After trade: $19k cash + $1k holdings
|
|
{
|
|
date: 2.days.ago.to_date,
|
|
legacy_balances: { balance: 20000, cash_balance: 20000 },
|
|
balances: { start: 20000, start_cash: 20000, start_non_cash: 0, end_cash: 20000, end_non_cash: 0, end: 20000 },
|
|
flows: { market_flows: 0 },
|
|
adjustments: { cash_adjustments: 0, non_cash_adjustments: 0 }
|
|
} # At first, account is 100% cash, no holdings (no trades)
|
|
]
|
|
)
|
|
end
|
|
|
|
# A common scenario with Plaid is they'll give us holding records for today, but no trade history for some of them.
|
|
# This is because they only supply 2 years worth of historical data. Our system must properly handle this.
|
|
test "properly calculates balances when a holding has no trade history" do
|
|
# Account starts with $20,000 total value, $19,000 cash, $1,000 in holdings ($500 AAPL, $500 MSFT)
|
|
account = create_account_with_ledger(
|
|
account: { type: Investment, balance: 20000, cash_balance: 19000, currency: "USD" },
|
|
entries: [
|
|
{ type: "current_anchor", date: Date.current, balance: 20000 },
|
|
# A holding *with* trade history (5 shares of AAPL, purchased 1 day ago)
|
|
{ type: "trade", date: 1.day.ago.to_date, ticker: "AAPL", qty: 5, price: 100 }
|
|
],
|
|
holdings: [
|
|
# AAPL holdings
|
|
{ date: Date.current, ticker: "AAPL", qty: 5, price: 100, amount: 500 },
|
|
{ date: 1.day.ago.to_date, ticker: "AAPL", qty: 5, price: 100, amount: 500 },
|
|
# MSFT holdings without trade history - Balance calculator doesn't care how the holdings were created. It just reads them and assumes they are accurate.
|
|
{ date: Date.current, ticker: "MSFT", qty: 5, price: 100, amount: 500 },
|
|
{ date: 1.day.ago.to_date, ticker: "MSFT", qty: 5, price: 100, amount: 500 },
|
|
{ date: 2.days.ago.to_date, ticker: "MSFT", qty: 5, price: 100, amount: 500 }
|
|
]
|
|
)
|
|
|
|
calculated = Balance::ReverseCalculator.new(account).calculate
|
|
|
|
assert_calculated_ledger_balances(
|
|
calculated_data: calculated,
|
|
expected_data: [
|
|
{
|
|
date: Date.current,
|
|
legacy_balances: { balance: 20000, cash_balance: 19000 },
|
|
balances: { start: 20000, start_cash: 19000, start_non_cash: 1000, end_cash: 19000, end_non_cash: 1000, end: 20000 },
|
|
flows: { market_flows: 0 },
|
|
adjustments: 0
|
|
}, # Current: $19k cash + $1k holdings ($500 MSFT, $500 AAPL)
|
|
{
|
|
date: 1.day.ago.to_date,
|
|
legacy_balances: { balance: 20000, cash_balance: 19000 },
|
|
balances: { start: 20000, start_cash: 19500, start_non_cash: 500, end_cash: 19000, end_non_cash: 1000, end: 20000 },
|
|
flows: { cash_inflows: 0, cash_outflows: 500, non_cash_inflows: 500, non_cash_outflows: 0, market_flows: 0 },
|
|
adjustments: 0
|
|
}, # After AAPL trade: $19k cash + $1k holdings
|
|
{
|
|
date: 2.days.ago.to_date,
|
|
legacy_balances: { balance: 20000, cash_balance: 19500 },
|
|
balances: { start: 19500, start_cash: 19500, start_non_cash: 0, end_cash: 19500, end_non_cash: 500, end: 20000 },
|
|
flows: { market_flows: -500 },
|
|
adjustments: 0
|
|
} # Before AAPL trade: $19.5k cash + $500 MSFT
|
|
]
|
|
)
|
|
end
|
|
|
|
test "uses provider reported holdings and cash value on current day" do
|
|
# Implied holdings value of $1,000 from provider
|
|
account = create_account_with_ledger(
|
|
account: { type: Investment, balance: 20000, cash_balance: 19000, currency: "USD" },
|
|
entries: [
|
|
{ type: "current_anchor", date: Date.current, balance: 20000 },
|
|
{ type: "opening_anchor", date: 2.days.ago, balance: 15000 }
|
|
],
|
|
holdings: [
|
|
# Create holdings that differ in value from provider ($2,000 vs. the $1,000 reported by provider)
|
|
{ date: Date.current, ticker: "AAPL", qty: 10, price: 100, amount: 1000 },
|
|
{ date: 1.day.ago, ticker: "AAPL", qty: 10, price: 100, amount: 1000 },
|
|
{ date: 2.days.ago, ticker: "AAPL", qty: 10, price: 100, amount: 1000 }
|
|
]
|
|
)
|
|
|
|
calculated = Balance::ReverseCalculator.new(account).calculate
|
|
|
|
assert_calculated_ledger_balances(
|
|
calculated_data: calculated,
|
|
expected_data: [
|
|
# No matter what, we force current day equal to the "anchor" balance (what provider gave us), and let "cash" float based on holdings value
|
|
# This ensures the user sees the same top-line number reported by the provider (even if it creates a discrepancy in the cash balance)
|
|
{
|
|
date: Date.current,
|
|
legacy_balances: { balance: 20000, cash_balance: 19000 },
|
|
balances: { start: 20000, start_cash: 19000, start_non_cash: 1000, end_cash: 19000, end_non_cash: 1000, end: 20000 },
|
|
flows: { market_flows: 0 },
|
|
adjustments: 0
|
|
},
|
|
{
|
|
date: 1.day.ago,
|
|
legacy_balances: { balance: 20000, cash_balance: 19000 },
|
|
balances: { start: 20000, start_cash: 19000, start_non_cash: 1000, end_cash: 19000, end_non_cash: 1000, end: 20000 },
|
|
flows: { market_flows: 0 },
|
|
adjustments: 0
|
|
},
|
|
{
|
|
date: 2.days.ago,
|
|
legacy_balances: { balance: 15000, cash_balance: 14000 },
|
|
balances: { start: 15000, start_cash: 14000, start_non_cash: 1000, end_cash: 14000, end_non_cash: 1000, end: 15000 },
|
|
flows: { market_flows: 0 },
|
|
adjustments: 0
|
|
} # Opening anchor sets absolute balance
|
|
]
|
|
)
|
|
end
|
|
end
|