ray-finance 0.3.1 → 0.3.2

package/dist/cli/commands.d.ts

@@ -11,4 +11,6 @@ export declare function showSpending(period?: string): Promise<void>;
 export declare function showBudgets(): void;
 export declare function showGoals(): void;
 export declare function showScore(): void;
+export declare function runAdd(): Promise<void>;
+export declare function runRemove(): Promise<void>;
 export declare function showAlerts(): void;

package/dist/cli/commands.js

@@ -5,6 +5,7 @@ import { getLatestScore, getAchievements, getMonthlySavings } from "../scoring/i
 import { generateAlerts } from "../alerts/index.js";
 import { runDailySync } from "../daily-sync.js";
 import { startLinkServer } from "../server.js";
+import { addManualAccount, getManualAccounts, removeManualAccount, scrapeRedfinEstimate } from "../property.js";
 import { heading, progressBar, formatMoney, formatMoneyColored, dim, formatDuration, formatError, renderLogo, institutionName } from "./format.js";
 export async function runSync() {
     const ora = (await import("ora")).default;
@@ -26,6 +27,7 @@ export async function runSync() {
 export async function runLink() {
     const open = (await import("open")).default;
     const ora = (await import("ora")).default;
+    const readline = await import("readline");
     const { url, waitForComplete, stop } = startLinkServer();
     console.log(`\n${heading("Link Account")}\n`);
     console.log(`Opening Plaid Link in your browser...\n`);
@@ -35,6 +37,37 @@ export async function runLink() {
     await waitForComplete();
     stop();
     spinner.succeed("Bank account linked successfully!");
+    // Check if a mortgage was linked and we don't already have a property account
+    const db = getDb();
+    const hasMortgage = db.prepare(`SELECT 1 FROM accounts WHERE type = 'loan' AND subtype = 'mortgage' LIMIT 1`).get();
+    const hasProperty = db.prepare(`SELECT 1 FROM accounts WHERE type = 'other' AND subtype = 'property' LIMIT 1`).get();
+    if (hasMortgage && !hasProperty) {
+        console.log(`\n${dim("Mortgage detected.")} Track your home value for accurate net worth.`);
+        const rl = readline.createInterface({ input: process.stdin, output: process.stdout });
+        const ask = (q) => new Promise(resolve => rl.question(q, resolve));
+        const listingUrl = (await ask(`${dim("Paste a Redfin URL (or press Enter to skip):")} `)).trim();
+        if (listingUrl) {
+            const name = (await ask(`${dim("Name (e.g. Primary Residence):")} `)).trim() || "Primary Residence";
+            rl.close();
+            const propSpinner = ora("Fetching home value...").start();
+            try {
+                const value = await scrapeRedfinEstimate(listingUrl);
+                if (value) {
+                    addManualAccount(db, name, "asset", value, listingUrl);
+                    propSpinner.succeed(`${name}: ${rawFormatMoney(value)} — updates automatically on sync.`);
+                }
+                else {
+                    propSpinner.fail("Could not determine home value from that URL. Try 'ray add' later.");
+                }
+            }
+            catch {
+                propSpinner.fail("Failed to fetch home value. Try 'ray add' later.");
+            }
+        }
+        else {
+            rl.close();
+        }
+    }
 }
 export async function showAccounts() {
     const db = getDb();
@@ -239,6 +272,108 @@ export function showScore() {
     }
     console.log();
 }
+export async function runAdd() {
+    const ora = (await import("ora")).default;
+    const inquirer = (await import("inquirer")).default;
+    const db = getDb();
+    const theme = {
+        prefix: { idle: " ", done: chalk.green(" ✓") },
+        style: { highlight: (text) => chalk.yellowBright(text) },
+    };
+    console.log(`\n${heading("Add Account")}`);
+    console.log(dim("  Track something not linked via Plaid — a home, car, crypto, loan, etc.\n"));
+    const { name } = await inquirer.prompt([{ theme,
+            type: "input",
+            name: "name",
+            message: "Name",
+            validate: (v) => v.trim() ? true : "Required",
+        }]);
+    const { type } = await inquirer.prompt([{ theme,
+            type: "list",
+            name: "type",
+            message: "Type",
+            choices: [
+                { name: "Asset — something you own (adds to net worth)", value: "asset" },
+                { name: "Liability — something you owe (subtracts from net worth)", value: "liability" },
+            ],
+        }]);
+    let finalBalance = 0;
+    let listingUrl;
+    // For assets: offer Redfin auto-tracking
+    if (type === "asset") {
+        const { redfin } = await inquirer.prompt([{ theme,
+                type: "input",
+                name: "redfin",
+                message: `Redfin URL ${dim("(optional — auto-tracks home value)")}`,
+            }]);
+        const url = redfin.trim();
+        if (url) {
+            try {
+                const parsed = new URL(url);
+                if (!parsed.hostname.includes("redfin")) {
+                    console.log(chalk.yellow("  Only Redfin URLs are supported."));
+                }
+                else {
+                    listingUrl = url;
+                    const spinner = ora("Fetching Redfin Estimate...").start();
+                    const scraped = await scrapeRedfinEstimate(url);
+                    if (scraped) {
+                        finalBalance = scraped;
+                        spinner.succeed(`Redfin Estimate: ${chalk.bold(rawFormatMoney(scraped))} ${dim("— updates on each sync")}`);
+                    }
+                    else {
+                        spinner.warn("Could not fetch estimate.");
+                        listingUrl = undefined;
+                    }
+                }
+            }
+            catch {
+                console.log(chalk.yellow("  Invalid URL."));
+            }
+        }
+    }
+    // Manual value if no Redfin
+    if (!listingUrl) {
+        const { balance } = await inquirer.prompt([{ theme,
+                type: "input",
+                name: "balance",
+                message: "Current value ($)",
+                validate: (v) => {
+                    const n = parseFloat(v.replace(/[$,]/g, ""));
+                    return isNaN(n) ? "Enter a number" : true;
+                },
+            }]);
+        finalBalance = parseFloat(balance.replace(/[$,]/g, ""));
+    }
+    addManualAccount(db, name.trim(), type, finalBalance, listingUrl);
+    const label = type === "asset" ? chalk.green("asset") : chalk.red("liability");
+    console.log(`\n  ${chalk.green("+")} ${chalk.bold(name.trim())}  ${rawFormatMoney(finalBalance)}  ${label}\n`);
+}
+export async function runRemove() {
+    const readline = await import("readline");
+    const db = getDb();
+    const accounts = getManualAccounts(db);
+    if (accounts.length === 0) {
+        console.log("\nNo manual accounts. Use 'ray add' to create one.");
+        return;
+    }
+    console.log(`\n${heading("Manual Accounts")}\n`);
+    for (let i = 0; i < accounts.length; i++) {
+        const a = accounts[i];
+        const typeLabel = a.type === "loan" || a.type === "credit" ? "liability" : "asset";
+        const url = a.listing_url ? dim(` — ${a.listing_url}`) : "";
+        console.log(`  ${dim(`${i + 1}.`)} ${a.name}  ${rawFormatMoney(a.current_balance)} (${typeLabel})${url}`);
+    }
+    const rl = readline.createInterface({ input: process.stdin, output: process.stdout });
+    const answer = (await new Promise(resolve => rl.question(`\n  Remove which? (number, or Enter to cancel): `, resolve))).trim();
+    rl.close();
+    const idx = parseInt(answer, 10) - 1;
+    if (isNaN(idx) || idx < 0 || idx >= accounts.length)
+        return;
+    removeManualAccount(db, accounts[idx].account_id);
+    console.log(chalk.green(`\n  Removed ${accounts[idx].name}.`));
+    console.log();
+}
 export function showAlerts() {
     const db = getDb();
     const alerts = generateAlerts(db);

package/dist/cli/index.js

@@ -60,6 +60,22 @@ program
     const { runLink } = await import("./commands.js");
     await runLink();
 });
+program
+    .command("add")
+    .description("Add a manual account (home, car, crypto, etc.)")
+    .action(async () => {
+    ensureConfigured();
+    const { runAdd } = await import("./commands.js");
+    await runAdd();
+});
+program
+    .command("remove")
+    .description("Remove a manual account")
+    .action(async () => {
+    ensureConfigured();
+    const { runRemove } = await import("./commands.js");
+    await runRemove();
+});
 program
     .command("accounts")
     .description("Show linked accounts and balances")
@@ -221,6 +237,8 @@ program.configureHelp({
     formatHelp: () => helpScreen([
         { name: "setup", desc: "Configure Ray (API keys, preferences)" },
         { name: "link", desc: "Link a new financial account via Plaid" },
+        { name: "add", desc: "Add a manual account (home, car, crypto, etc.)" },
+        { name: "remove", desc: "Remove a manual account" },
         { name: "sync", desc: "Sync transactions from linked banks" },
         { name: "accounts", desc: "Show linked accounts and balances" },
         { name: "status", desc: "Show financial overview" },

package/dist/daily-sync.js

@@ -3,6 +3,7 @@ import { calculateDailyScore, checkAchievements } from "./scoring/index.js";
 import { decryptPlaidToken } from "./db/encryption.js";
 import { config } from "./config.js";
 import { institutionName } from "./cli/format.js";
+import { refreshPropertyValues, hasListingUrls } from "./property.js";
 /** Run the daily sync for a single database */
 export async function runDailySync(db) {
     const institutions = db
@@ -98,6 +99,15 @@ export async function runDailySync(db) {
             console.error(`  Error syncing ${inst.name}: ${err.message}`);
         }
     }
+    // Refresh property values from listing URLs if configured
+    if (hasListingUrls(db)) {
+        try {
+            await refreshPropertyValues(db);
+        }
+        catch {
+            // Non-fatal
+        }
+    }
     // Snapshot net worth
     const assets = db
         .prepare(`SELECT COALESCE(SUM(current_balance), 0) as total FROM accounts WHERE type IN ('depository', 'investment', 'other')`)

package/dist/property.d.ts

@@ -0,0 +1,23 @@
+import type BetterSqlite3 from "libsql";
+type Database = BetterSqlite3.Database;
+/** Scrape the Redfin Estimate from a Redfin listing URL */
+export declare function scrapeRedfinEstimate(url: string): Promise<number | null>;
+/** Add a manual account */
+export declare function addManualAccount(db: Database, name: string, type: "asset" | "liability", balance: number, listingUrl?: string): {
+    accountId: string;
+};
+/** Remove a manual account */
+export declare function removeManualAccount(db: Database, id: string): void;
+/** List all manual accounts */
+export declare function getManualAccounts(db: Database): {
+    account_id: string;
+    name: string;
+    type: string;
+    current_balance: number;
+    listing_url: string | null;
+}[];
+/** Refresh all property values from stored listing URLs (called during daily sync) */
+export declare function refreshPropertyValues(db: Database): Promise<void>;
+/** Check if any listing URLs are configured */
+export declare function hasListingUrls(db: Database): boolean;
+export {};

package/dist/property.js

@@ -0,0 +1,80 @@
+import { createHash } from "crypto";
+const MANUAL_ITEM_ID = "manual-assets";
+const LISTING_URL_PREFIX = "listing_url:";
+function accountId(name) {
+    const hash = createHash("sha256").update(name).digest("hex").slice(0, 8);
+    return `manual-${hash}`;
+}
+/** Scrape the Redfin Estimate from a Redfin listing URL */
+export async function scrapeRedfinEstimate(url) {
+    const resp = await fetch(url, {
+        headers: {
+            "User-Agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/131.0.0.0 Safari/537.36",
+            "Accept": "text/html",
+        },
+    });
+    if (!resp.ok)
+        return null;
+    const html = await resp.text();
+    // Prefer Redfin Estimate (current market value) over sold/list price
+    const match = html.match(/EstimateValueHeader[^>]*>.*?class="price[^"]*">\$([\d,]+)/) ||
+        html.match(/statsValue price[^>]*>[^$]*\$([\d,]+)/) ||
+        html.match(/Redfin Estimate[^$]*\$([\d,]+)/) ||
+        html.match(/"estimatedValue":\s*([\d.]+)/);
+    if (!match)
+        return null;
+    const value = parseFloat(match[1].replace(/,/g, ""));
+    return isNaN(value) ? null : value;
+}
+/** Ensure the manual institution exists */
+function ensureManualInstitution(db) {
+    db.prepare(`INSERT INTO institutions (item_id, access_token, name, products) VALUES (?, 'manual', 'Manual Accounts', '[]')
+     ON CONFLICT(item_id) DO NOTHING`).run(MANUAL_ITEM_ID);
+}
+/** Add a manual account */
+export function addManualAccount(db, name, type, balance, listingUrl) {
+    ensureManualInstitution(db);
+    const id = accountId(name);
+    const dbType = type === "asset" ? "other" : "loan";
+    const subtype = listingUrl ? "property" : (type === "asset" ? "other" : "other");
+    db.prepare(`INSERT INTO accounts (account_id, item_id, name, type, subtype, current_balance, updated_at)
+     VALUES (?, ?, ?, ?, ?, ?, datetime('now'))
+     ON CONFLICT(account_id) DO UPDATE SET current_balance = excluded.current_balance, updated_at = datetime('now')`).run(id, MANUAL_ITEM_ID, name, dbType, subtype, balance);
+    if (listingUrl) {
+        db.prepare(`INSERT INTO settings (key, value) VALUES (?, ?) ON CONFLICT(key) DO UPDATE SET value = excluded.value`).run(LISTING_URL_PREFIX + id, listingUrl);
+    }
+    return { accountId: id };
+}
+/** Remove a manual account */
+export function removeManualAccount(db, id) {
+    db.prepare(`DELETE FROM accounts WHERE account_id = ?`).run(id);
+    db.prepare(`DELETE FROM settings WHERE key = ?`).run(LISTING_URL_PREFIX + id);
+}
+/** List all manual accounts */
+export function getManualAccounts(db) {
+    const rows = db.prepare(`SELECT account_id, name, type, current_balance FROM accounts WHERE item_id = ?`).all(MANUAL_ITEM_ID);
+    return rows.map(r => {
+        const urlRow = db.prepare(`SELECT value FROM settings WHERE key = ?`).get(LISTING_URL_PREFIX + r.account_id);
+        return { ...r, listing_url: urlRow?.value ?? null };
+    });
+}
+/** Refresh all property values from stored listing URLs (called during daily sync) */
+export async function refreshPropertyValues(db) {
+    const urls = db.prepare(`SELECT key, value FROM settings WHERE key LIKE ?`).all(LISTING_URL_PREFIX + "%");
+    for (const { key, value: url } of urls) {
+        const id = key.slice(LISTING_URL_PREFIX.length);
+        try {
+            const val = await scrapeRedfinEstimate(url);
+            if (val) {
+                db.prepare(`UPDATE accounts SET current_balance = ?, updated_at = datetime('now') WHERE account_id = ?`).run(val, id);
+            }
+        }
+        catch {
+            // Non-fatal
+        }
+    }
+}
+/** Check if any listing URLs are configured */
+export function hasListingUrls(db) {
+    return !!(db.prepare(`SELECT 1 FROM settings WHERE key LIKE ? LIMIT 1`).get(LISTING_URL_PREFIX + "%"));
+}

package/dist/public/link.html

@@ -61,24 +61,16 @@
     button:disabled { opacity: 0.3; cursor: not-allowed; }
     .success { color: #34d399; font-weight: 500; }
     .error { color: #f87171; font-size: 13px; margin-top: 16px; }
-    .checkmark {
-      width: 40px;
-      height: 40px;
-      border: 2px solid #34d399;
-      border-radius: 50%;
-      display: flex;
-      align-items: center;
-      justify-content: center;
-      margin: 0 auto 20px;
-    }
-    .checkmark svg {
-      width: 20px;
-      height: 20px;
+    .success-title-check {
+      width: 18px;
+      height: 18px;
       stroke: #34d399;
       fill: none;
       stroke-width: 2.5;
       stroke-linecap: round;
       stroke-linejoin: round;
+      vertical-align: -2px;
+      margin-right: 6px;
     }
     .institution-logo {
       width: 48px;
@@ -110,15 +102,14 @@
       <div id="error" class="error" style="display:none"></div>
     </div>
     <div id="success-view" style="display:none">
-      <div class="checkmark"><svg viewBox="0 0 24 24"><polyline points="4 12 10 18 20 6"/></svg></div>
       <img id="institution-logo" class="institution-logo" style="display:none" alt="">
-      <h1 class="success" id="success-title">Account Connected</h1>
+      <h1 class="success" id="success-title"><svg class="success-title-check" viewBox="0 0 24 24"><polyline points="4 12 10 18 20 6"/></svg>Account Connected</h1>
       <p>Syncing transactions. Data stays on your machine. You can close this page.</p>
     </div>
   </div>
   <div class="trust">
     <svg viewBox="0 0 24 24"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"/></svg>
-    <span>End-to-end encrypted</span>
+    <span>Secured by Plaid</span>
   </div>
 
   <script src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"></script>
@@ -152,7 +143,8 @@
         linkHandler = Plaid.create({
           token: link_token,
           onSuccess: async (publicToken, metadata) => {
-            document.getElementById('connect-view').innerHTML = '<div class="spinner"></div><h1>Linking</h1><p>Exchanging credentials...</p>';
+            document.getElementById('connect-view').innerHTML = '<div class="spinner"></div><h1>Linking</h1><p>Syncing ' + (metadata.institution?.name || 'account') + '...</p>';
+            document.getElementById('connect-view').style.display = 'block';
             try {
               const resp = await fetch('/api/exchange', {
                 method: 'POST',
@@ -170,7 +162,8 @@
               document.getElementById('success-view').style.display = 'block';
               const instName = result.institution_name || metadata.institution?.name;
               if (instName) {
-                document.getElementById('success-title').textContent = instName + ' Connected';
+                const titleEl = document.getElementById('success-title');
+                titleEl.innerHTML = titleEl.querySelector('svg').outerHTML + instName + ' Connected';
               }
               if (result.institution_logo) {
                 const logoEl = document.getElementById('institution-logo');

package/dist/queries/index.js

@@ -1,9 +1,9 @@
 export function getNetWorth(db) {
     const home = db
-        .prepare(`SELECT current_balance as value FROM accounts WHERE type = 'other' AND subtype = 'property' LIMIT 1`)
+        .prepare(`SELECT COALESCE(SUM(current_balance), 0) as value FROM accounts WHERE type = 'other' AND subtype = 'property'`)
         .get();
     const mortgage = db
-        .prepare(`SELECT current_balance as value FROM accounts WHERE type = 'loan' AND subtype = 'mortgage' LIMIT 1`)
+        .prepare(`SELECT COALESCE(SUM(current_balance), 0) as value FROM accounts WHERE type = 'loan' AND subtype = 'mortgage'`)
         .get();
     const investments = db
         .prepare(`SELECT COALESCE(SUM(current_balance), 0) as total FROM accounts WHERE type = 'investment'`)
@@ -25,8 +25,8 @@ export function getNetWorth(db) {
     const prev = db
         .prepare(`SELECT net_worth FROM net_worth_history WHERE date <= ? ORDER BY date DESC LIMIT 1`)
         .get(yesterday);
-    const homeVal = home?.value || 0;
-    const mortgageVal = mortgage?.value || 0;
+    const homeVal = home.value;
+    const mortgageVal = mortgage.value;
     return {
         net_worth: assets.total - liabilities.total,
         assets: assets.total,

package/dist/server.js

@@ -97,6 +97,23 @@ export function startLinkServer() {
             // Fetch actual enabled products from Plaid
             const itemResp = await plaidClient.itemGet({ access_token: accessToken });
             const products = (itemResp.data.item.products || []);
+            // Remove duplicate institution if re-linking the same one (Plaid gives a new item_id each time)
+            const institutionId = req.body.institution_id;
+            if (institutionId) {
+                const existing = db.prepare(`SELECT item_id FROM institutions WHERE name = ? AND item_id != ?`).all(institution_name, itemId);
+                for (const old of existing) {
+                    const oldAccounts = db.prepare(`SELECT account_id FROM accounts WHERE item_id = ?`).all(old.item_id);
+                    for (const acct of oldAccounts) {
+                        db.prepare(`DELETE FROM transactions WHERE account_id = ?`).run(acct.account_id);
+                        db.prepare(`DELETE FROM holdings WHERE account_id = ?`).run(acct.account_id);
+                        db.prepare(`DELETE FROM investment_transactions WHERE account_id = ?`).run(acct.account_id);
+                        db.prepare(`DELETE FROM liabilities WHERE account_id = ?`).run(acct.account_id);
+                        db.prepare(`DELETE FROM recurring WHERE account_id = ?`).run(acct.account_id);
+                    }
+                    db.prepare(`DELETE FROM accounts WHERE item_id = ?`).run(old.item_id);
+                    db.prepare(`DELETE FROM institutions WHERE item_id = ?`).run(old.item_id);
+                }
+            }
             db.prepare(`INSERT INTO institutions (item_id, access_token, name, products)
          VALUES (?, ?, ?, ?)
          ON CONFLICT(item_id) DO UPDATE SET access_token = excluded.access_token, products = excluded.products`).run(itemId, encryptedToken, institution_name || "Account", JSON.stringify(products));
@@ -183,9 +200,16 @@ export function startLinkServer() {
                 }
                 catch { }
             }
+            // Check if this institution has a mortgage (prompt user for home value)
+            const hasMortgage = !!(db.prepare(`SELECT 1 FROM accounts WHERE item_id = ? AND type = 'loan' AND subtype = 'mortgage' LIMIT 1`).get(itemId));
+            const hasPropertyAccount = !!(db.prepare(`SELECT 1 FROM accounts WHERE account_id = 'manual-home' LIMIT 1`).get());
             // Clean up session
             linkSessions.delete(session_id);
-            res.json({ success: true, institution_name: institution_name, institution_logo: institutionLogo });
+            res.json({
+                success: true,
+                institution_name: institution_name,
+                institution_logo: institutionLogo,
+            });
             // Signal completion
             resolveComplete();
         }

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "ray-finance",
-  "version": "0.3.1",
+  "version": "0.3.2",
   "description": "Local-first CLI that turns your bank data into a personal AI financial advisor",
   "type": "module",
   "license": "MIT",