india2actual 0.1.0

package/dist/interpret/validate.js

@@ -0,0 +1,93 @@
+/** Half a paisa — comfortably inside any rounding a bank applies. */
+const EPSILON = 0.005;
+/**
+ * Verify parsed amounts against the statement's running balance.
+ *
+ * Almost every Indian statement carries a closing-balance column, which makes
+ * the parse self-checkable: each transaction must equal the change in balance
+ * it caused. This is the difference between "the numbers look plausible" and
+ * "the numbers are provably right", and it catches precisely the failure modes
+ * of geometric PDF extraction — inverted debit/credit signs, dropped rows, and
+ * columns read one position across.
+ *
+ * Statements come in both date orders, so both interpretations are scored and
+ * the better one wins:
+ *   ascending  (oldest first): amount[i] === balance[i] - balance[i-1]
+ *   descending (newest first): amount[i] === balance[i] - balance[i+1]
+ */
+export function validateBalances(transactions) {
+    const withBalance = transactions.filter(transaction => transaction.balance !== undefined);
+    if (withBalance.length < 2) {
+        return {
+            status: 'skipped',
+            checked: 0,
+            matched: 0,
+            issues: [
+                withBalance.length === 0
+                    ? 'No balance column found — amounts could not be cross-checked.'
+                    : 'Only one row carried a balance — not enough to cross-check.',
+            ],
+        };
+    }
+    const ascending = [];
+    const descending = [];
+    let ascendingMatches = 0;
+    let descendingMatches = 0;
+    for (let index = 1; index < withBalance.length; index += 1) {
+        const current = withBalance[index];
+        const previous = withBalance[index - 1];
+        if (!current || !previous) {
+            continue;
+        }
+        // Ascending: this row's balance moved by this row's amount.
+        const ascDelta = (current.balance ?? 0) - (previous.balance ?? 0);
+        if (Math.abs(ascDelta - current.amount) < EPSILON) {
+            ascendingMatches += 1;
+        }
+        else {
+            ascending.push(describe(current, ascDelta));
+        }
+        // Descending: the *previous* row is the later transaction, so its amount
+        // explains the gap between the two balances.
+        const descDelta = (previous.balance ?? 0) - (current.balance ?? 0);
+        if (Math.abs(descDelta - previous.amount) < EPSILON) {
+            descendingMatches += 1;
+        }
+        else {
+            descending.push(describe(previous, descDelta));
+        }
+    }
+    const checked = withBalance.length - 1;
+    const isDescending = descendingMatches > ascendingMatches;
+    const matched = isDescending ? descendingMatches : ascendingMatches;
+    const failures = isDescending ? descending : ascending;
+    if (matched === checked) {
+        return {
+            status: 'passed',
+            order: isDescending ? 'descending' : 'ascending',
+            checked,
+            matched,
+            issues: [],
+        };
+    }
+    return {
+        status: 'failed',
+        order: isDescending ? 'descending' : 'ascending',
+        checked,
+        matched,
+        issues: [
+            `${checked - matched} of ${checked} rows do not agree with the balance column.`,
+            // A handful of examples is enough to diagnose; the full list is noise.
+            ...failures.slice(0, 5),
+        ],
+    };
+}
+function describe(transaction, observedDelta) {
+    const expected = observedDelta.toFixed(2);
+    const actual = transaction.amount.toFixed(2);
+    return `${transaction.date} "${truncate(transaction.raw)}": balance moved by ${expected} but the parsed amount is ${actual}`;
+}
+function truncate(value, limit = 60) {
+    return value.length <= limit ? value : `${value.slice(0, limit - 1)}…`;
+}
+//# sourceMappingURL=validate.js.map

package/dist/interpret/validate.js.map

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package/dist/interpret/values.d.ts

@@ -0,0 +1,22 @@
+/** Date component order, for the genuinely ambiguous cases like `01/02/2024`. */
+export type DateOrder = 'dmy' | 'mdy' | 'ymd';
+/**
+ * Parse a statement date into `YYYY-MM-DD`.
+ *
+ * Handles `01/04/2024`, `01-04-24`, `01.04.2024`, `01-Apr-2024`, `1 Apr 24`,
+ * `2024-04-01`, and any of those with a trailing time component.
+ *
+ * `order` only applies to all-numeric dates, where `01/02/2024` is genuinely
+ * ambiguous. It defaults to day-first, which is the Indian convention.
+ */
+export declare function parseStatementDate(raw: string, order?: DateOrder): string | null;
+/**
+ * Parse an Indian statement amount into rupees.
+ *
+ * Handles lakh/crore grouping (`1,23,456.78`), currency prefixes (`₹`, `Rs.`,
+ * `INR`), parenthesised negatives, Unicode minus, and `Dr`/`Cr` suffixes.
+ *
+ * Returns null for blanks and for cells with no digits (`-`, `NIL`), which is
+ * how an empty side of a Withdrawal/Deposit pair is signalled.
+ */
+export declare function parseAmount(raw: string): number | null;

package/dist/interpret/values.js

@@ -0,0 +1,131 @@
+const MONTHS = {
+    jan: 1,
+    feb: 2,
+    mar: 3,
+    apr: 4,
+    may: 5,
+    jun: 6,
+    jul: 7,
+    aug: 8,
+    sep: 9,
+    oct: 10,
+    nov: 11,
+    dec: 12,
+};
+function expandYear(value) {
+    return value < 100 ? 2000 + value : value;
+}
+function build(year, month, day) {
+    if (month < 1 || month > 12 || day < 1 || day > 31) {
+        return null;
+    }
+    // Round-trip through Date to reject impossible days like 31 February.
+    const date = new Date(Date.UTC(year, month - 1, day));
+    if (date.getUTCFullYear() !== year ||
+        date.getUTCMonth() !== month - 1 ||
+        date.getUTCDate() !== day) {
+        return null;
+    }
+    const mm = String(month).padStart(2, '0');
+    const dd = String(day).padStart(2, '0');
+    return `${year}-${mm}-${dd}`;
+}
+/**
+ * Parse a statement date into `YYYY-MM-DD`.
+ *
+ * Handles `01/04/2024`, `01-04-24`, `01.04.2024`, `01-Apr-2024`, `1 Apr 24`,
+ * `2024-04-01`, and any of those with a trailing time component.
+ *
+ * `order` only applies to all-numeric dates, where `01/02/2024` is genuinely
+ * ambiguous. It defaults to day-first, which is the Indian convention.
+ */
+export function parseStatementDate(raw, order = 'dmy') {
+    const cleaned = raw.trim();
+    if (!cleaned) {
+        return null;
+    }
+    // Unambiguous ISO form, regardless of `order`.
+    const iso = cleaned.match(/^(\d{4})[-/.](\d{1,2})[-/.](\d{1,2})/);
+    if (iso) {
+        return build(Number(iso[1]), Number(iso[2]), Number(iso[3]));
+    }
+    // Month-name form: `01-Apr-2024`, `1 April 24`.
+    const named = cleaned.match(/^(\d{1,2})[\s\-/.]+([a-z]{3,})[\s\-/.]+(\d{2,4})/i);
+    if (named) {
+        const month = MONTHS[(named[2] ?? '').slice(0, 3).toLowerCase()];
+        if (month) {
+            return build(expandYear(Number(named[3])), month, Number(named[1]));
+        }
+    }
+    // All-numeric. Extra parts (a time component) are ignored.
+    const parts = cleaned
+        .split(/[^\d]+/)
+        .filter(Boolean)
+        .map(Number);
+    if (parts.length < 3) {
+        return null;
+    }
+    const [first = 0, second = 0, third = 0] = parts;
+    switch (order) {
+        case 'ymd':
+            return build(expandYear(first), second, third);
+        case 'mdy':
+            return build(expandYear(third), first, second);
+        case 'dmy':
+        default:
+            return build(expandYear(third), second, first);
+    }
+}
+/**
+ * Parse an Indian statement amount into rupees.
+ *
+ * Handles lakh/crore grouping (`1,23,456.78`), currency prefixes (`₹`, `Rs.`,
+ * `INR`), parenthesised negatives, Unicode minus, and `Dr`/`Cr` suffixes.
+ *
+ * Returns null for blanks and for cells with no digits (`-`, `NIL`), which is
+ * how an empty side of a Withdrawal/Deposit pair is signalled.
+ */
+export function parseAmount(raw) {
+    let text = raw.trim();
+    if (!text) {
+        return null;
+    }
+    let negative = false;
+    // `Dr`/`Cr` marker, which can sit either side of the number.
+    const marker = text.match(/(^|\s)(dr|cr)\b\.?/i);
+    if (marker) {
+        negative = (marker[2] ?? '').toLowerCase() === 'dr';
+        text = text.replace(marker[0], ' ');
+    }
+    text = text.replace(/−/g, '-').trim();
+    if (text.startsWith('(') && text.endsWith(')')) {
+        negative = true;
+        text = text.slice(1, -1);
+    }
+    if (/^\s*-/.test(text)) {
+        negative = true;
+    }
+    // Strip currency markers before touching the number. This has to happen
+    // first: the full stop in `Rs.` would otherwise survive the digit filter
+    // below and be read as the decimal point, turning `Rs. 1,234.50` into 0.12.
+    text = text.replace(/\b(inr|rs)\b\.?/gi, ' ').replace(/[₹$]/g, ' ');
+    // Commas are always thousands/lakh separators in Indian statements; the
+    // decimal marker is always `.`.
+    let digits = text.replace(/[^0-9.]/g, '');
+    if (!/\d/.test(digits)) {
+        return null;
+    }
+    // If any separators remain, the last one is the decimal point and the rest
+    // are grouping. Belt and braces for decorations we did not anticipate.
+    const separators = digits.split('.');
+    if (separators.length > 2) {
+        const decimals = separators.pop() ?? '';
+        digits = `${separators.join('')}.${decimals}`;
+    }
+    const value = Number.parseFloat(digits);
+    if (!Number.isFinite(value)) {
+        return null;
+    }
+    return negative ? -value : value;
+}
+//# sourceMappingURL=values.js.map

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package/dist/merchants-file.d.ts

@@ -0,0 +1,14 @@
+import type { MerchantRule } from './narration/merchants.js';
+/**
+ * Load user merchant rules from JSON:
+ *
+ *   [
+ *     { "pattern": "^mylocalkirana", "name": "Kirana Store" },
+ *     { "pattern": "^acmecorp",      "name": "Acme Payroll" }
+ *   ]
+ *
+ * Patterns are matched against a lowercased, separator-stripped form of the
+ * VPA local-part or merchant name, so write them without spaces or
+ * punctuation. Loaded rules take precedence over the built-in map.
+ */
+export declare function loadMerchantRules(path: string): Promise<MerchantRule[]>;

package/dist/merchants-file.js

@@ -0,0 +1,40 @@
+import { readFile } from 'node:fs/promises';
+/**
+ * Load user merchant rules from JSON:
+ *
+ *   [
+ *     { "pattern": "^mylocalkirana", "name": "Kirana Store" },
+ *     { "pattern": "^acmecorp",      "name": "Acme Payroll" }
+ *   ]
+ *
+ * Patterns are matched against a lowercased, separator-stripped form of the
+ * VPA local-part or merchant name, so write them without spaces or
+ * punctuation. Loaded rules take precedence over the built-in map.
+ */
+export async function loadMerchantRules(path) {
+    const contents = await readFile(path, 'utf8');
+    let parsed;
+    try {
+        parsed = JSON.parse(contents);
+    }
+    catch (error) {
+        throw new Error(`${path} is not valid JSON: ${error instanceof Error ? error.message : String(error)}`);
+    }
+    if (!Array.isArray(parsed)) {
+        throw new Error(`${path} must contain an array of { pattern, name } rules`);
+    }
+    return parsed.map((entry, index) => {
+        const { pattern, name } = entry ?? {};
+        if (typeof pattern !== 'string' || typeof name !== 'string' || !name) {
+            throw new Error(`${path}: rule ${index + 1} needs a string "pattern" and a non-empty string "name"`);
+        }
+        try {
+            // Case-insensitive to match how the built-in rules are applied.
+            return { pattern: new RegExp(pattern, 'i'), name };
+        }
+        catch (error) {
+            throw new Error(`${path}: rule ${index + 1} has an invalid regular expression (${pattern}): ${error instanceof Error ? error.message : String(error)}`);
+        }
+    });
+}
+//# sourceMappingURL=merchants-file.js.map

package/dist/merchants-file.js.map

@@ -0,0 +1 @@
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package/dist/narration/merchants.d.ts

@@ -0,0 +1,46 @@
+/**
+ * Merchant identity map.
+ *
+ * Indian merchants appear under many spellings across banks and payment
+ * routes — `swiggy@ybl`, `swiggystores@ybl`, `SWIGGY BANGALORE`, `Swiggy Ltd`.
+ * Matching a pattern to one canonical name is what collapses them into a
+ * single payee in Actual.
+ *
+ * Patterns are matched against a lowercased, separator-stripped form of either
+ * the VPA local-part or the merchant name token, so `bharat-pe` and
+ * `bharatpe123` both hit /^bharatpe/.
+ *
+ * This list is the asset that accrues value over time. Users can extend it
+ * without editing source via a local override file (see `loadLocalMerchants`).
+ */
+export type MerchantRule = {
+    pattern: RegExp;
+    name: string;
+};
+export declare const MERCHANT_RULES: MerchantRule[];
+/**
+ * Bank postings that are not payments to anyone: interest, tax, card autopay.
+ *
+ * These are matched against the *whole* narration rather than an extracted
+ * name token, because there is no name in them to extract — ICICI writes
+ * interest as `000123456789:Int.Pd:30-09-2025 to 30-12-2025`. Without this the
+ * payee would be the entire narration, which differs every quarter and so
+ * creates a new payee each time.
+ *
+ * Kept separate from `MERCHANT_RULES` so that merchant patterns, which are
+ * anchored to the start of a name, are never accidentally matched against the
+ * middle of a narration.
+ */
+export declare const POSTING_RULES: MerchantRule[];
+/** Resolve a bank posting type from a full narration, or null. */
+export declare function lookupPosting(raw: string): string | null;
+/**
+ * Collapse a VPA local-part or name token into the form the patterns expect:
+ * lowercase, separators and spaces removed. `Bharat-Pe 123` -> `bharatpe123`.
+ */
+export declare function normalizeForLookup(value: string): string;
+/**
+ * Resolve a canonical merchant name, or null when nothing matches.
+ * `extraRules` come from the user's local override file and win over built-ins.
+ */
+export declare function lookupMerchant(value: string, extraRules?: MerchantRule[]): string | null;

package/dist/narration/merchants.js

@@ -0,0 +1,161 @@
+/**
+ * Merchant identity map.
+ *
+ * Indian merchants appear under many spellings across banks and payment
+ * routes — `swiggy@ybl`, `swiggystores@ybl`, `SWIGGY BANGALORE`, `Swiggy Ltd`.
+ * Matching a pattern to one canonical name is what collapses them into a
+ * single payee in Actual.
+ *
+ * Patterns are matched against a lowercased, separator-stripped form of either
+ * the VPA local-part or the merchant name token, so `bharat-pe` and
+ * `bharatpe123` both hit /^bharatpe/.
+ *
+ * This list is the asset that accrues value over time. Users can extend it
+ * without editing source via a local override file (see `loadLocalMerchants`).
+ */
+export const MERCHANT_RULES = [
+    // Food delivery & dining
+    { pattern: /^swiggy/, name: 'Swiggy' },
+    { pattern: /^zomato/, name: 'Zomato' },
+    { pattern: /^(dominos|jubilant.*pizza)/, name: "Domino's Pizza" },
+    { pattern: /^(kfc|mcdonalds|mcd)/, name: 'Fast Food' },
+    { pattern: /^(starbucks|tatastarbucks)/, name: 'Starbucks' },
+    { pattern: /^(blinkit|grofers)/, name: 'Blinkit' },
+    { pattern: /^(zepto|geddit)/, name: 'Zepto' },
+    { pattern: /^(bigbasket|innovativeretail)/, name: 'BigBasket' },
+    { pattern: /^dunzo/, name: 'Dunzo' },
+    // Commerce
+    { pattern: /^amazon/, name: 'Amazon' },
+    { pattern: /^(flipkart|fkrt)/, name: 'Flipkart' },
+    { pattern: /^myntra/, name: 'Myntra' },
+    { pattern: /^(ajio|relianceretail)/, name: 'AJIO' },
+    { pattern: /^(nykaa|fsnecommerce)/, name: 'Nykaa' },
+    { pattern: /^meesho/, name: 'Meesho' },
+    { pattern: /^(dmart|avenuesupermarts)/, name: 'DMart' },
+    { pattern: /^(reliancesmart|reliancefresh)/, name: 'Reliance Smart' },
+    { pattern: /^decathlon/, name: 'Decathlon' },
+    { pattern: /^ikea/, name: 'IKEA' },
+    // Transport
+    { pattern: /^(uber|uberindia)/, name: 'Uber' },
+    { pattern: /^(ola|olacabs|anitechnologies)/, name: 'Ola' },
+    { pattern: /^rapido/, name: 'Rapido' },
+    { pattern: /^(irctc|indianrail)/, name: 'IRCTC' },
+    { pattern: /^(redbus|pilani)/, name: 'RedBus' },
+    { pattern: /^(indigo|interglobe)/, name: 'IndiGo' },
+    { pattern: /^(airindia|vistara)/, name: 'Air India' },
+    { pattern: /^(fastag|nhai|netc)/, name: 'FASTag' },
+    {
+        pattern: /^(iocl|indianoil|hpcl|bpcl|hindustanpetro|bharatpetro|shell|nayara)/,
+        name: 'Fuel',
+    },
+    // Utilities & telecom
+    { pattern: /^(airtel|bhartiairtel)/, name: 'Airtel' },
+    { pattern: /^(jio|reliancejio)/, name: 'Jio' },
+    { pattern: /^(vi|vodafone|idea)$/, name: 'Vi' },
+    { pattern: /^bsnl/, name: 'BSNL' },
+    { pattern: /^(actfibernet|act)$/, name: 'ACT Fibernet' },
+    {
+        pattern: /^(tatapower|adanielectricity|bescom|kseb|mseb|tneb|bses)/,
+        name: 'Electricity',
+    },
+    { pattern: /^(indane|hpgas|bharatgas)/, name: 'LPG Gas' },
+    // Entertainment & subscriptions
+    { pattern: /^netflix/, name: 'Netflix' },
+    { pattern: /^(hotstar|disney)/, name: 'Disney+ Hotstar' },
+    { pattern: /^(primevideo|amazonprime)/, name: 'Amazon Prime' },
+    { pattern: /^spotify/, name: 'Spotify' },
+    { pattern: /^(youtube|googleplay|google)/, name: 'Google' },
+    { pattern: /^apple/, name: 'Apple' },
+    { pattern: /^(bookmyshow|bigtree)/, name: 'BookMyShow' },
+    { pattern: /^(pvr|inox|cinepolis)/, name: 'Cinema' },
+    // Health & pharmacy
+    { pattern: /^(pharmeasy|axelia)/, name: 'PharmEasy' },
+    { pattern: /^(1mg|tata1mg)/, name: 'Tata 1mg' },
+    { pattern: /^(apollo|apollopharmacy)/, name: 'Apollo Pharmacy' },
+    { pattern: /^(practo|cult|curefit)/, name: 'Cult.fit' },
+    // Payment intermediaries.
+    // These are aggregators, not the real merchant — but a consistent payee is
+    // still far better than one per transaction, and a rule in Actual can split
+    // them further if wanted.
+    { pattern: /^(paytm|one97)/, name: 'Paytm' },
+    { pattern: /^(phonepe|phonepay)/, name: 'PhonePe' },
+    { pattern: /^(gpay|googlepay|tez)/, name: 'Google Pay' },
+    { pattern: /^bharatpe/, name: 'BharatPe' },
+    { pattern: /^(razorpay|rzp)/, name: 'Razorpay' },
+    { pattern: /^(billdesk|ccavenue|payu|cashfree)/, name: 'Payment Gateway' },
+    // State enterprises and institutions.
+    // Reached via a truncated handle rather than a spelled-out name
+    { pattern: /^thekeralastate(f|financial)/, name: 'KSFE' },
+    // Listed companies, reached through NACH dividend payouts rather than through
+    // a payment. Anchored to the whole token: a bare /^tcs/ would also claim
+    // unrelated names starting with those letters.
+    { pattern: /^(tcs|tataconsultancy(services)?)$/, name: 'TCS' },
+    // Investing
+    { pattern: /^(zerodha|kite)/, name: 'Zerodha' },
+    { pattern: /^(groww|nextbillion)/, name: 'Groww' },
+    { pattern: /^(upstox|rksv)/, name: 'Upstox' },
+    { pattern: /^(indmoney|finzoom)/, name: 'INDmoney' },
+    { pattern: /^(kuvera|coin)$/, name: 'Kuvera' },
+];
+/**
+ * Bank postings that are not payments to anyone: interest, tax, card autopay.
+ *
+ * These are matched against the *whole* narration rather than an extracted
+ * name token, because there is no name in them to extract — ICICI writes
+ * interest as `000123456789:Int.Pd:30-09-2025 to 30-12-2025`. Without this the
+ * payee would be the entire narration, which differs every quarter and so
+ * creates a new payee each time.
+ *
+ * Kept separate from `MERCHANT_RULES` so that merchant patterns, which are
+ * anchored to the start of a name, are never accidentally matched against the
+ * middle of a narration.
+ */
+export const POSTING_RULES = [
+    { pattern: /wtaxpd/, name: 'Withholding Tax' },
+    { pattern: /intpd/, name: 'Interest Paid' },
+    // Savings-bank interest, written `SBINT:29-06-2026`.
+    { pattern: /sbint/, name: 'Interest Paid' },
+    // Minimum average balance charge, billed monthly as `MABChgs-Mar2026`.
+    { pattern: /mabchgs/, name: 'Minimum Balance Charge' },
+    { pattern: /autodebitcc/, name: 'Credit Card Autopay' },
+    // Debit card annual fee, e.g. `DCARDFEE0000AUG26-JUL27+GST`.
+    { pattern: /dcardfee/, name: 'Debit Card Fee' },
+    { pattern: /(atmwdl|cashwdl|nwdcash)/, name: 'ATM Withdrawal' },
+];
+/** Resolve a bank posting type from a full narration, or null. */
+export function lookupPosting(raw) {
+    const normalized = normalizeForLookup(raw);
+    if (!normalized) {
+        return null;
+    }
+    for (const rule of POSTING_RULES) {
+        if (rule.pattern.test(normalized)) {
+            return rule.name;
+        }
+    }
+    return null;
+}
+/**
+ * Collapse a VPA local-part or name token into the form the patterns expect:
+ * lowercase, separators and spaces removed. `Bharat-Pe 123` -> `bharatpe123`.
+ */
+export function normalizeForLookup(value) {
+    return value.toLowerCase().replace(/[^a-z0-9]/g, '');
+}
+/**
+ * Resolve a canonical merchant name, or null when nothing matches.
+ * `extraRules` come from the user's local override file and win over built-ins.
+ */
+export function lookupMerchant(value, extraRules = []) {
+    const normalized = normalizeForLookup(value);
+    if (!normalized) {
+        return null;
+    }
+    for (const rule of [...extraRules, ...MERCHANT_RULES]) {
+        if (rule.pattern.test(normalized)) {
+            return rule.name;
+        }
+    }
+    return null;
+}
+//# sourceMappingURL=merchants.js.map

package/dist/narration/merchants.js.map

@@ -0,0 +1 @@
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package/dist/narration/parse.d.ts

@@ -0,0 +1,14 @@
+import type { MerchantRule } from './merchants.js';
+import type { ParsedNarration } from './types.js';
+export type ParseNarrationOptions = {
+    /** User-supplied merchant rules; these take precedence over built-ins. */
+    merchantRules?: MerchantRule[];
+};
+/**
+ * Parse an Indian bank narration into a usable payee plus the structured
+ * fields hiding inside it.
+ *
+ * `merchant` is never empty — the fallback chain ends at the raw narration, so
+ * the worst outcome equals what Actual shows today.
+ */
+export declare function parseNarration(raw: string, options?: ParseNarrationOptions): ParsedNarration;