Bump to v0.3.0

Signed-off-by: Zach Gollwitzer <zach@maybe.co>

.env.example

@@ -110,4 +110,12 @@ GITHUB_REPO_BRANCH=main
 #
 STRIPE_PUBLISHABLE_KEY=
 STRIPE_SECRET_KEY=
-STRIPE_WEBHOOK_SECRET=
+STRIPE_WEBHOOK_SECRET=
+
+# ======================================================================================================
+# Plaid Configuration
+# ======================================================================================================
+#
+PLAID_CLIENT_ID=
+PLAID_SECRET=
+PLAID_ENV=

.github/ISSUE_TEMPLATE/bug_report.md

@@ -21,7 +21,7 @@ Steps to reproduce the behavior:
 A clear and concise description of what you expected to happen.
 
 **What version of Maybe are you using?**
-This could be "Hosted" (i.e. app.maybe.co) or "Self-hosted". If "Self-hosted", please include the version you're currently on.
+This could be "Hosted" (i.e. app.maybefinance.com) or "Self-hosted". If "Self-hosted", please include the version you're currently on.
 
 **What operating system and browser are you using?**
 The more info the better.

.gitignore

@@ -6,6 +6,7 @@
 
 # Ignore bundler config.
 /.bundle
+/vendor/bundle
 
 # Ignore all environment files (except templates).
 /.env*

Gemfile

@@ -37,6 +37,7 @@ gem "image_processing", ">= 1.2"
 
 # Other
 gem "bcrypt", "~> 3.1"
+gem "jwt"
 gem "faraday"
 gem "faraday-retry"
 gem "faraday-multipart"
@@ -49,7 +50,7 @@ gem "csv"
 gem "redcarpet"
 gem "stripe"
 gem "intercom-rails"
-gem "holidays"
+gem "plaid"
 
 group :development, :test do
   gem "debug", platforms: %i[mri windows]

Gemfile.lock

@@ -8,29 +8,29 @@ GIT
 GEM
   remote: https://rubygems.org/
   specs:
-    actioncable (7.2.2)
-      actionpack (= 7.2.2)
-      activesupport (= 7.2.2)
+    actioncable (7.2.2.1)
+      actionpack (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       nio4r (~> 2.0)
       websocket-driver (>= 0.6.1)
       zeitwerk (~> 2.6)
-    actionmailbox (7.2.2)
-      actionpack (= 7.2.2)
-      activejob (= 7.2.2)
-      activerecord (= 7.2.2)
-      activestorage (= 7.2.2)
-      activesupport (= 7.2.2)
+    actionmailbox (7.2.2.1)
+      actionpack (= 7.2.2.1)
+      activejob (= 7.2.2.1)
+      activerecord (= 7.2.2.1)
+      activestorage (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       mail (>= 2.8.0)
-    actionmailer (7.2.2)
-      actionpack (= 7.2.2)
-      actionview (= 7.2.2)
-      activejob (= 7.2.2)
-      activesupport (= 7.2.2)
+    actionmailer (7.2.2.1)
+      actionpack (= 7.2.2.1)
+      actionview (= 7.2.2.1)
+      activejob (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       mail (>= 2.8.0)
       rails-dom-testing (~> 2.2)
-    actionpack (7.2.2)
-      actionview (= 7.2.2)
-      activesupport (= 7.2.2)
+    actionpack (7.2.2.1)
+      actionview (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       nokogiri (>= 1.8.5)
       racc
       rack (>= 2.2.4, < 3.2)
@@ -39,35 +39,35 @@ GEM
       rails-dom-testing (~> 2.2)
       rails-html-sanitizer (~> 1.6)
       useragent (~> 0.16)
-    actiontext (7.2.2)
-      actionpack (= 7.2.2)
-      activerecord (= 7.2.2)
-      activestorage (= 7.2.2)
-      activesupport (= 7.2.2)
+    actiontext (7.2.2.1)
+      actionpack (= 7.2.2.1)
+      activerecord (= 7.2.2.1)
+      activestorage (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       globalid (>= 0.6.0)
       nokogiri (>= 1.8.5)
-    actionview (7.2.2)
-      activesupport (= 7.2.2)
+    actionview (7.2.2.1)
+      activesupport (= 7.2.2.1)
       builder (~> 3.1)
       erubi (~> 1.11)
       rails-dom-testing (~> 2.2)
       rails-html-sanitizer (~> 1.6)
-    activejob (7.2.2)
-      activesupport (= 7.2.2)
+    activejob (7.2.2.1)
+      activesupport (= 7.2.2.1)
       globalid (>= 0.3.6)
-    activemodel (7.2.2)
-      activesupport (= 7.2.2)
-    activerecord (7.2.2)
-      activemodel (= 7.2.2)
-      activesupport (= 7.2.2)
+    activemodel (7.2.2.1)
+      activesupport (= 7.2.2.1)
+    activerecord (7.2.2.1)
+      activemodel (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       timeout (>= 0.4.0)
-    activestorage (7.2.2)
-      actionpack (= 7.2.2)
-      activejob (= 7.2.2)
-      activerecord (= 7.2.2)
-      activesupport (= 7.2.2)
+    activestorage (7.2.2.1)
+      actionpack (= 7.2.2.1)
+      activejob (= 7.2.2.1)
+      activerecord (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       marcel (~> 1.0)
-    activesupport (7.2.2)
+    activesupport (7.2.2.1)
       base64
       benchmark (>= 0.3)
       bigdecimal
@@ -83,24 +83,24 @@ GEM
       public_suffix (>= 2.0.2, < 7.0)
     ast (2.4.2)
     aws-eventstream (1.3.0)
-    aws-partitions (1.992.0)
-    aws-sdk-core (3.210.0)
+    aws-partitions (1.1031.0)
+    aws-sdk-core (3.214.1)
       aws-eventstream (~> 1, >= 1.3.0)
       aws-partitions (~> 1, >= 1.992.0)
       aws-sigv4 (~> 1.9)
       jmespath (~> 1, >= 1.6.1)
-    aws-sdk-kms (1.95.0)
+    aws-sdk-kms (1.96.0)
       aws-sdk-core (~> 3, >= 3.210.0)
       aws-sigv4 (~> 1.5)
-    aws-sdk-s3 (1.169.0)
+    aws-sdk-s3 (1.177.0)
       aws-sdk-core (~> 3, >= 3.210.0)
       aws-sdk-kms (~> 1)
       aws-sigv4 (~> 1.5)
-    aws-sigv4 (1.10.0)
+    aws-sigv4 (1.10.1)
       aws-eventstream (~> 1, >= 1.0.2)
     base64 (0.2.0)
     bcrypt (3.1.20)
-    benchmark (0.3.0)
+    benchmark (0.4.0)
     better_html (2.1.1)
       actionview (>= 6.0)
       activesupport (>= 6.0)
@@ -108,11 +108,11 @@ GEM
       erubi (~> 1.4)
       parser (>= 2.4)
       smart_properties
-    bigdecimal (3.1.8)
+    bigdecimal (3.1.9)
     bindex (0.8.1)
     bootsnap (1.18.4)
       msgpack (~> 1.2)
-    brakeman (6.2.2)
+    brakeman (7.0.0)
       racc
     builder (3.3.0)
     capybara (3.40.0)
@@ -127,42 +127,42 @@ GEM
     childprocess (5.0.0)
     climate_control (1.2.0)
     concurrent-ruby (1.3.4)
-    connection_pool (2.4.1)
+    connection_pool (2.5.0)
     crack (1.0.0)
       bigdecimal
       rexml
     crass (1.0.6)
-    csv (3.3.0)
-    date (3.4.0)
-    debug (1.9.2)
+    csv (3.3.2)
+    date (3.4.1)
+    debug (1.10.0)
       irb (~> 1.10)
       reline (>= 0.3.8)
     docile (1.4.0)
-    dotenv (3.1.4)
-    dotenv-rails (3.1.4)
-      dotenv (= 3.1.4)
+    dotenv (3.1.7)
+    dotenv-rails (3.1.7)
+      dotenv (= 3.1.7)
       railties (>= 6.1)
     drb (2.2.1)
-    erb_lint (0.7.0)
+    erb_lint (0.8.0)
       activesupport
       better_html (>= 2.0.1)
       parser (>= 2.7.1.4)
       rainbow
       rubocop (>= 1)
       smart_properties
-    erubi (1.13.0)
+    erubi (1.13.1)
     et-orbi (1.2.11)
       tzinfo
     faker (3.5.1)
       i18n (>= 1.8.11, < 2)
-    faraday (2.12.0)
-      faraday-net_http (>= 2.0, < 3.4)
+    faraday (2.12.2)
+      faraday-net_http (>= 2.0, < 3.5)
       json
       logger
-    faraday-multipart (1.0.4)
-      multipart-post (~> 2)
-    faraday-net_http (3.3.0)
-      net-http
+    faraday-multipart (1.1.0)
+      multipart-post (~> 2.0)
+    faraday-net_http (3.4.0)
+      net-http (>= 0.5.0)
     faraday-retry (2.2.1)
       faraday (~> 2.0)
     ffi (1.17.0-aarch64-linux-gnu)
@@ -176,7 +176,7 @@ GEM
       raabro (~> 1.4)
     globalid (1.2.1)
       activesupport (>= 6.1)
-    good_job (4.4.2)
+    good_job (4.7.0)
       activejob (>= 6.1.0)
       activerecord (>= 6.1.0)
       concurrent-ruby (>= 1.3.1)
@@ -185,11 +185,10 @@ GEM
       thor (>= 1.0.0)
     hashdiff (1.1.1)
     highline (3.0.1)
-    holidays (8.8.0)
-    hotwire-livereload (1.4.1)
-      actioncable (>= 6.0.0)
+    hotwire-livereload (2.0.0)
+      actioncable (>= 7.0.0)
       listen (>= 3.0.0)
-      railties (>= 6.0.0)
+      railties (>= 7.0.0)
     hotwire_combobox (0.3.2)
       rails (>= 7.0.7.2)
       stimulus-rails (>= 1.2)
@@ -209,21 +208,24 @@ GEM
     image_processing (1.13.0)
       mini_magick (>= 4.9.5, < 5)
       ruby-vips (>= 2.0.17, < 3)
-    importmap-rails (2.0.3)
+    importmap-rails (2.1.0)
       actionpack (>= 6.0.0)
       activesupport (>= 6.0.0)
       railties (>= 6.0.0)
     inline_svg (1.10.0)
       activesupport (>= 3.0)
       nokogiri (>= 1.6)
-    intercom-rails (1.0.1)
+    intercom-rails (1.0.5)
       activesupport (> 4.0)
-    io-console (0.7.2)
-    irb (1.14.1)
+      jwt (~> 2.0)
+    io-console (0.8.0)
+    irb (1.14.3)
       rdoc (>= 4.0.0)
       reline (>= 0.4.2)
     jmespath (1.6.2)
-    json (2.7.2)
+    json (2.9.1)
+    jwt (2.10.1)
+      base64
     language_server-protocol (3.17.0.3)
     launchy (3.0.1)
       addressable (~> 2.8)
@@ -233,8 +235,8 @@ GEM
     listen (3.9.0)
       rb-fsevent (~> 0.10, >= 0.10.3)
       rb-inotify (~> 0.9, >= 0.9.10)
-    logger (1.6.1)
-    loofah (2.23.1)
+    logger (1.6.5)
+    loofah (2.24.0)
       crass (~> 1.0.2)
       nokogiri (>= 1.12.0)
     mail (2.8.1)
@@ -246,14 +248,15 @@ GEM
     matrix (0.4.2)
     mini_magick (4.13.2)
     mini_mime (1.1.5)
-    minitest (5.25.1)
-    mocha (2.5.0)
+    mini_portile2 (2.8.8)
+    minitest (5.25.4)
+    mocha (2.7.1)
       ruby2_keywords (>= 0.0.5)
     msgpack (1.7.2)
     multipart-post (2.4.1)
-    net-http (0.4.1)
+    net-http (0.6.0)
       uri
-    net-imap (0.5.0)
+    net-imap (0.5.1)
       date
       net-protocol
     net-pop (0.1.2)
@@ -263,77 +266,83 @@ GEM
     net-smtp (0.5.0)
       net-protocol
     nio4r (2.7.4)
-    nokogiri (1.16.7-aarch64-linux)
+    nokogiri (1.18.1)
+      mini_portile2 (~> 2.8.2)
       racc (~> 1.4)
-    nokogiri (1.16.7-arm-linux)
+    nokogiri (1.18.1-aarch64-linux-gnu)
       racc (~> 1.4)
-    nokogiri (1.16.7-arm64-darwin)
+    nokogiri (1.18.1-arm-linux-gnu)
       racc (~> 1.4)
-    nokogiri (1.16.7-x86-linux)
+    nokogiri (1.18.1-arm64-darwin)
       racc (~> 1.4)
-    nokogiri (1.16.7-x86_64-darwin)
+    nokogiri (1.18.1-x86_64-darwin)
       racc (~> 1.4)
-    nokogiri (1.16.7-x86_64-linux)
+    nokogiri (1.18.1-x86_64-linux-gnu)
       racc (~> 1.4)
     octokit (9.2.0)
       faraday (>= 1, < 3)
       sawyer (~> 0.9)
-    pagy (9.1.1)
+    pagy (9.3.3)
     parallel (1.26.3)
-    parser (3.3.5.0)
+    parser (3.3.6.0)
       ast (~> 2.4.1)
       racc
     pg (1.5.9)
-    prism (1.2.0)
+    plaid (34.0.0)
+      faraday (>= 1.0.1, < 3.0)
+      faraday-multipart (>= 1.0.1, < 2.0)
+    prism (1.3.0)
     propshaft (1.1.0)
       actionpack (>= 7.0.0)
       activesupport (>= 7.0.0)
       rack
       railties (>= 7.0.0)
-    psych (5.1.2)
+    psych (5.2.2)
+      date
       stringio
     public_suffix (6.0.1)
-    puma (6.4.3)
+    puma (6.5.0)
       nio4r (~> 2.0)
     raabro (1.4.0)
     racc (1.8.1)
     rack (3.1.8)
-    rack-session (2.0.0)
+    rack-session (2.1.0)
+      base64 (>= 0.1.0)
       rack (>= 3.0.0)
-    rack-test (2.1.0)
+    rack-test (2.2.0)
       rack (>= 1.3)
-    rackup (2.2.0)
+    rackup (2.2.1)
       rack (>= 3)
-    rails (7.2.2)
-      actioncable (= 7.2.2)
-      actionmailbox (= 7.2.2)
-      actionmailer (= 7.2.2)
-      actionpack (= 7.2.2)
-      actiontext (= 7.2.2)
-      actionview (= 7.2.2)
-      activejob (= 7.2.2)
-      activemodel (= 7.2.2)
-      activerecord (= 7.2.2)
-      activestorage (= 7.2.2)
-      activesupport (= 7.2.2)
+    rails (7.2.2.1)
+      actioncable (= 7.2.2.1)
+      actionmailbox (= 7.2.2.1)
+      actionmailer (= 7.2.2.1)
+      actionpack (= 7.2.2.1)
+      actiontext (= 7.2.2.1)
+      actionview (= 7.2.2.1)
+      activejob (= 7.2.2.1)
+      activemodel (= 7.2.2.1)
+      activerecord (= 7.2.2.1)
+      activestorage (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       bundler (>= 1.15.0)
-      railties (= 7.2.2)
+      railties (= 7.2.2.1)
     rails-dom-testing (2.2.0)
       activesupport (>= 5.0.0)
       minitest
       nokogiri (>= 1.6)
-    rails-html-sanitizer (1.6.0)
+    rails-html-sanitizer (1.6.2)
       loofah (~> 2.21)
-      nokogiri (~> 1.14)
+      nokogiri (>= 1.15.7, != 1.16.7, != 1.16.6, != 1.16.5, != 1.16.4, != 1.16.3, != 1.16.2, != 1.16.1, != 1.16.0.rc1, != 1.16.0)
     rails-i18n (7.0.9)
       i18n (>= 0.7, < 2)
       railties (>= 6.0.0, < 8)
-    rails-settings-cached (2.9.5)
+    rails-settings-cached (2.9.6)
       activerecord (>= 5.0.0)
       railties (>= 5.0.0)
-    railties (7.2.2)
-      actionpack (= 7.2.2)
-      activesupport (= 7.2.2)
+    railties (7.2.2.1)
+      actionpack (= 7.2.2.1)
+      activesupport (= 7.2.2.1)
       irb (~> 1.13)
       rackup (>= 1.0.0)
       rake (>= 12.2)
@@ -344,26 +353,26 @@ GEM
     rb-fsevent (0.11.2)
     rb-inotify (0.11.1)
       ffi (~> 1.0)
-    rbs (3.6.1)
+    rbs (3.8.1)
       logger
-    rdoc (6.7.0)
+    rdoc (6.10.0)
       psych (>= 4.0.0)
     redcarpet (3.6.0)
-    regexp_parser (2.9.2)
-    reline (0.5.10)
+    regexp_parser (2.10.0)
+    reline (0.6.0)
       io-console (~> 0.5)
     rexml (3.3.9)
-    rubocop (1.67.0)
+    rubocop (1.70.0)
       json (~> 2.3)
       language_server-protocol (>= 3.17.0)
       parallel (~> 1.10)
       parser (>= 3.3.0.2)
       rainbow (>= 2.2.2, < 4.0)
-      regexp_parser (>= 2.4, < 3.0)
-      rubocop-ast (>= 1.32.2, < 2.0)
+      regexp_parser (>= 2.9.3, < 3.0)
+      rubocop-ast (>= 1.36.2, < 2.0)
       ruby-progressbar (~> 1.7)
-      unicode-display_width (>= 2.4.0, < 3.0)
-    rubocop-ast (1.32.3)
+      unicode-display_width (>= 2.4.0, < 4.0)
+    rubocop-ast (1.37.0)
       parser (>= 3.3.1.0)
     rubocop-minitest (0.35.0)
       rubocop (>= 1.61, < 2.0)
@@ -381,13 +390,13 @@ GEM
       rubocop-minitest
       rubocop-performance
       rubocop-rails
-    ruby-lsp (0.20.1)
+    ruby-lsp (0.23.5)
       language_server-protocol (~> 3.17.0)
       prism (>= 1.2, < 2.0)
       rbs (>= 3, < 4)
       sorbet-runtime (>= 0.5.10782)
-    ruby-lsp-rails (0.3.21)
-      ruby-lsp (>= 0.20.0, < 0.21.0)
+    ruby-lsp-rails (0.3.29)
+      ruby-lsp (>= 0.23.0, < 0.24.0)
     ruby-progressbar (1.13.0)
     ruby-vips (2.2.2)
       ffi (~> 1.12)
@@ -397,17 +406,17 @@ GEM
     sawyer (0.9.2)
       addressable (>= 2.3.5)
       faraday (>= 0.17.3, < 3)
-    securerandom (0.3.1)
-    selenium-webdriver (4.26.0)
+    securerandom (0.4.1)
+    selenium-webdriver (4.27.0)
       base64 (~> 0.2)
       logger (~> 1.4)
       rexml (~> 3.2, >= 3.2.5)
       rubyzip (>= 1.2.2, < 3.0)
       websocket (~> 1.0)
-    sentry-rails (5.21.0)
+    sentry-rails (5.22.1)
       railties (>= 5.0)
-      sentry-ruby (~> 5.21.0)
-    sentry-ruby (5.21.0)
+      sentry-ruby (~> 5.22.1)
+    sentry-ruby (5.22.1)
       bigdecimal
       concurrent-ruby (~> 1.0, >= 1.0.2)
     simplecov (0.22.0)
@@ -417,33 +426,33 @@ GEM
     simplecov-html (0.12.3)
     simplecov_json_formatter (0.1.4)
     smart_properties (1.17.0)
-    sorbet-runtime (0.5.11618)
+    sorbet-runtime (0.5.11751)
     stackprof (0.2.26)
     stimulus-rails (1.3.4)
       railties (>= 6.0.0)
-    stringio (3.1.1)
-    stripe (13.1.0)
-    tailwindcss-rails (3.0.0)
+    stringio (3.1.2)
+    stripe (13.3.0)
+    tailwindcss-rails (3.2.0)
       railties (>= 7.0.0)
       tailwindcss-ruby
-    tailwindcss-ruby (3.4.14)
-    tailwindcss-ruby (3.4.14-aarch64-linux)
-    tailwindcss-ruby (3.4.14-arm-linux)
-    tailwindcss-ruby (3.4.14-arm64-darwin)
-    tailwindcss-ruby (3.4.14-x86_64-darwin)
-    tailwindcss-ruby (3.4.14-x86_64-linux)
+    tailwindcss-ruby (3.4.17)
+    tailwindcss-ruby (3.4.17-aarch64-linux)
+    tailwindcss-ruby (3.4.17-arm-linux)
+    tailwindcss-ruby (3.4.17-arm64-darwin)
+    tailwindcss-ruby (3.4.17-x86_64-darwin)
+    tailwindcss-ruby (3.4.17-x86_64-linux)
     terminal-table (3.0.2)
       unicode-display_width (>= 1.1.1, < 3)
     thor (1.3.2)
-    timeout (0.4.1)
+    timeout (0.4.3)
     turbo-rails (2.0.11)
       actionpack (>= 6.0.0)
       railties (>= 6.0.0)
     tzinfo (2.0.6)
       concurrent-ruby (~> 1.0)
     unicode-display_width (2.6.0)
-    uri (0.13.1)
-    useragent (0.16.10)
+    uri (1.0.2)
+    useragent (0.16.11)
     vcr (6.3.1)
       base64
     web-console (4.2.1)
@@ -487,7 +496,6 @@ DEPENDENCIES
   faraday-multipart
   faraday-retry
   good_job
-  holidays
   hotwire-livereload
   hotwire_combobox
   i18n-tasks
@@ -495,12 +503,14 @@ DEPENDENCIES
   importmap-rails
   inline_svg
   intercom-rails
+  jwt
   letter_opener
   lucide-rails!
   mocha
   octokit
   pagy
   pg (~> 1.5)
+  plaid
   propshaft
   puma (>= 5.0)
   rails (~> 7.2.2)

Procfile.dev

@@ -1,3 +1,3 @@
-web: ${DEBUG:+rdbg -O -n -c --} bin/rails server -b 0.0.0.0
-css: bin/rails tailwindcss:watch
+web: bundle exec ${DEBUG:+rdbg -O -n -c --} bin/rails server -b 0.0.0.0
+css: bundle exec bin/rails tailwindcss:watch
 worker: bundle exec good_job start

README.md

@@ -4,7 +4,7 @@
 # Maybe: The OS for your personal finances
 
 <b>Get
-involved: [Discord](https://link.maybe.co/discord) • [Website](https://maybe.co) • [Issues](https://github.com/maybe-finance/maybe/issues)</b>
+involved: [Discord](https://link.maybe.co/discord) • [Website](https://maybefinance.com) • [Issues](https://github.com/maybe-finance/maybe/issues)</b>
 
 _If you're looking for the previous React codebase, you can find it
 at [maybe-finance/maybe-archive](https://github.com/maybe-finance/maybe-archive)._

app/assets/images/placeholder-graph.svg

@@ -0,0 +1,10 @@
+<svg width="944" height="201" viewBox="0 0 944 201" fill="none" xmlns="http://www.w3.org/2000/svg">
+<path d="M0 56.5502L14.4845 52.101L28.9689 50.1276L43.4534 51.7926L57.9379 40.2042L72.4224 35.6995L86.9068 35.0612L101.391 51.2218L115.876 73.6398L130.36 65.7562L144.845 64.7572L159.329 78.5795L173.814 81.9833L188.298 71.3186L202.783 80.5112L217.267 86L231.752 84.5697L246.236 83.0772L260.721 78.4002L275.205 77.343L289.689 71.8152L304.174 52.25L318.658 51.5349L333.143 48.185L347.627 47.2522L362.112 45.4586L376.596 49.2356L391.081 47.5566L405.565 31.0549L420.05 28.5641L434.534 36.6352H449.019L463.503 42.7572L477.988 37.7564L492.472 42.3467L506.957 49.3852L521.441 59.4839L535.925 52.7514L550.41 47.1535L564.894 58.6703L579.379 49.8343L593.863 50.5123H608.348L622.832 54.192L637.317 58.4763L651.801 57.2522L666.286 59.3943L677.01 62.8533L688.553 59.3943L709.129 67.4827L724.224 60.8386L738.708 52.27L753.193 58.6965L767.677 37.887L782.162 28.3178L796.646 16.383L811.13 20.9733L825.615 10.2626L840.099 11.7927L854.584 6.59032L869.068 15.771L883.553 8.12043L898.037 6.59032L912.522 2L927.006 14.8529L944 15.771" stroke="#0B0B0B" stroke-opacity="0.25" stroke-width="2" stroke-miterlimit="16"/>
+<path d="M14.4845 52.5538L0 57.0432V201H944V15.8954L927.006 14.9691L912.522 2L898.037 6.63181L883.553 8.17575L869.068 15.8954L854.584 6.63181L840.099 11.8812L825.615 10.3373L811.13 21.1448L796.646 16.513L782.161 28.5557L767.677 38.2114L753.193 59.2089L738.708 52.7244L724.224 61.3704L709.129 68.0745L688.553 59.9131L677.01 63.4034L666.286 59.9131L651.801 57.7516L637.317 58.9868L622.832 54.6637L608.348 50.9508H593.863L579.379 50.2667L564.894 59.1826L550.41 47.5616L535.925 53.2102L521.441 60.0035L506.957 49.8135L492.472 42.7114L477.988 38.0796L463.503 43.1256L449.019 36.9483H434.534L420.05 28.8042L405.565 31.3175L391.081 47.9684L376.596 49.6626L362.112 45.8514L347.627 47.6612L333.143 48.6024L318.658 51.9826L304.174 52.7042L289.689 72.4463L275.205 78.024L260.721 79.0908L246.236 83.8101L231.752 85.3161L217.267 86.7593L202.783 81.2209L188.298 71.9451L173.814 82.7063L159.329 79.2716L144.845 65.3245L130.36 66.3325L115.876 74.2874L101.391 51.6667L86.9068 35.3601L72.4224 36.0041L57.9379 40.5496L43.4534 52.2427L28.9689 50.5627L14.4845 52.5538Z" fill="url(#paint0_linear_4023_1299)" fill-opacity="0.5"/>
+<defs>
+<linearGradient id="paint0_linear_4023_1299" x1="445.5" y1="174.496" x2="445.5" y2="51.9672" gradientUnits="userSpaceOnUse">
+<stop stop-color="white"/>
+<stop offset="1" stop-color="#E5E5E5" stop-opacity="0.6"/>
+</linearGradient>
+</defs>
+</svg>

app/assets/stylesheets/application.tailwind.css

@@ -29,6 +29,11 @@
     @apply focus:opacity-100 focus:outline-none focus:ring-0;
     @apply placeholder-shown:opacity-50;
     @apply disabled:text-gray-400;
+    @apply text-ellipsis overflow-hidden whitespace-nowrap;
+  }
+
+  select.form-field__input {
+    @apply pr-8;
   }
 
   .form-field__radio {
@@ -51,10 +56,18 @@
     @apply border-alpha-black-200 checked:bg-gray-900 checked:ring-gray-900 focus:ring-gray-900 focus-visible:ring-gray-900 checked:hover:bg-gray-500;
   }
 
+  [type='checkbox'].maybe-checkbox--light:disabled {
+    @apply cursor-not-allowed opacity-80 bg-gray-50 border-gray-200 checked:bg-gray-400 checked:ring-gray-400;
+  }
+
   [type='checkbox'].maybe-checkbox--dark {
     @apply ring-gray-900 checked:text-white;
   }
 
+  [type='checkbox'].maybe-checkbox--dark:disabled {
+    @apply cursor-not-allowed opacity-80 ring-gray-600;
+  }
+
   [type='checkbox'].maybe-checkbox--dark:checked {
     background-image: url("data:image/svg+xml,%3csvg viewBox='0 0 16 16' fill='111827' xmlns='http://www.w3.org/2000/svg'%3e%3cpath d='M12.207 4.793a1 1 0 010 1.414l-5 5a1 1 0 01-1.414 0l-2-2a1 1 0 011.414-1.414L6.5 9.086l4.293-4.293a1 1 0 011.414 0z'/%3e%3c/svg%3e");
   }
@@ -101,7 +114,7 @@
   }
 
   .btn {
-    @apply px-3 py-2 rounded-lg text-sm font-medium cursor-pointer focus:outline-gray-500;
+    @apply px-3 py-2 rounded-lg text-sm font-medium cursor-pointer disabled:cursor-not-allowed focus:outline-gray-500;
   }
 
   .btn--primary {
@@ -113,7 +126,7 @@
   }
 
   .btn--outline {
-    @apply border border-alpha-black-200 text-gray-900 hover:bg-gray-50;
+    @apply border border-alpha-black-200 text-gray-900 hover:bg-gray-50 disabled:bg-gray-50 disabled:hover:bg-gray-50 disabled:text-gray-400;
   }
 
   .btn--ghost {
@@ -162,4 +175,20 @@
   .scrollbar::-webkit-scrollbar-thumb:hover {
     background: #a6a6a6;
   }
+}
+
+/* Custom scrollbar implementation for Windows browsers */
+.windows {
+  ::-webkit-scrollbar {
+    width: 4px;
+  }
+
+  ::-webkit-scrollbar-thumb {
+    background: #d6d6d6;
+    border-radius: 10px;
+  }
+
+  ::-webkit-scrollbar-thumb:hover {
+    background: #a6a6a6;
+  }  
 }

app/controllers/account/cashes_controller.rb

@@ -1,14 +0,0 @@
-class Account::CashesController < ApplicationController
-  layout :with_sidebar
-
-  before_action :set_account
-
-  def index
-  end
-
-  private
-
-    def set_account
-      @account = Current.family.accounts.find(params[:account_id])
-    end
-end

app/controllers/account/entries_controller.rb

@@ -2,56 +2,21 @@ class Account::EntriesController < ApplicationController
   layout :with_sidebar
 
   before_action :set_account
-  before_action :set_entry, only: %i[edit update show destroy]
 
   def index
     @q = search_params
-    @pagy, @entries = pagy(@account.entries.search(@q).reverse_chronological, limit: params[:per_page] || "10")
-  end
-
-  def edit
-    render entryable_view_path(:edit)
-  end
-
-  def update
-    prev_amount = @entry.amount
-    prev_date = @entry.date
-
-    @entry.update!(entry_params)
-    @entry.sync_account_later if prev_amount != @entry.amount || prev_date != @entry.date
-
-    respond_to do |format|
-      format.html { redirect_to account_entry_path(@account, @entry), notice: t(".success") }
-      format.turbo_stream { render turbo_stream: turbo_stream.replace(@entry) }
-    end
-  end
-
-  def show
-    render entryable_view_path(:show)
-  end
-
-  def destroy
-    @entry.destroy!
-    @entry.sync_account_later
-    redirect_to account_url(@entry.account), notice: t(".success")
+    @pagy, @entries = pagy(entries_scope.search(@q).reverse_chronological, limit: params[:per_page] || "10")
   end
 
   private
-
-    def entryable_view_path(action)
-      @entry.entryable_type.underscore.pluralize + "/" + action.to_s
-    end
-
     def set_account
       @account = Current.family.accounts.find(params[:account_id])
     end
 
-    def set_entry
-      @entry = @account.entries.find(params[:id])
-    end
-
-    def entry_params
-      params.require(:account_entry).permit(:name, :date, :amount, :currency, :notes)
+    def entries_scope
+      scope = Current.family.entries
+      scope = scope.where(account: @account) if @account
+      scope
     end
 
     def search_params

app/controllers/account/holdings_controller.rb

@@ -1,11 +1,10 @@
 class Account::HoldingsController < ApplicationController
   layout :with_sidebar
 
-  before_action :set_account
   before_action :set_holding, only: %i[show destroy]
 
   def index
-    @holdings = @account.holdings.current
+    @account = Current.family.accounts.find(params[:account_id])
   end
 
   def show
@@ -13,16 +12,17 @@ class Account::HoldingsController < ApplicationController
 
   def destroy
     @holding.destroy_holding_and_entries!
-    redirect_back_or_to account_holdings_path(@account)
+
+    flash[:notice] = t(".success")
+
+    respond_to do |format|
+      format.html { redirect_back_or_to account_path(@holding.account) }
+      format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, account_path(@holding.account)) }
+    end
   end
 
   private
-
-    def set_account
-      @account = Current.family.accounts.find(params[:account_id])
-    end
-
     def set_holding
-      @holding = @account.holdings.current.find(params[:id])
+      @holding = Current.family.holdings.find(params[:id])
     end
 end

app/controllers/account/trades_controller.rb

@@ -1,66 +1,37 @@
 class Account::TradesController < ApplicationController
-  layout :with_sidebar
+  include EntryableResource
 
-  before_action :set_account
-  before_action :set_entry, only: :update
-
-  def new
-    @entry = @account.entries.account_trades.new(entryable_attributes: {})
-  end
-
-  def index
-    @entries = @account.entries.reverse_chronological.where(entryable_type: %w[Account::Trade Account::Transaction])
-  end
-
-  def create
-    @builder = Account::EntryBuilder.new(entry_params)
-
-    if entry = @builder.save
-      entry.sync_account_later
-      redirect_to @account, notice: t(".success")
-    else
-      flash[:alert] = t(".failure")
-      redirect_back_or_to @account
-    end
-  end
-
-  def update
-    @entry.update!(entry_params)
-
-    respond_to do |format|
-      format.html { redirect_to account_entry_path(@account, @entry), notice: t(".success") }
-      format.turbo_stream { render turbo_stream: turbo_stream.replace(@entry) }
-    end
-  end
-
-  def securities
-    query = params[:q]
-    return render json: [] if query.blank? || query.length < 2 || query.length > 100
-
-    @securities = Security::SynthComboboxOption.find_in_synth(query)
-  end
+  permitted_entryable_attributes :id, :qty, :price
 
   private
-
-    def set_account
-      @account = Current.family.accounts.find(params[:account_id])
+    def build_entry
+      Account::TradeBuilder.new(create_entry_params)
     end
 
-    def set_entry
-      @entry = @account.entries.find(params[:id])
+    def create_entry_params
+      params.require(:account_entry).permit(
+        :account_id, :date, :amount, :currency, :qty, :price, :ticker, :type, :transfer_account_id
+      ).tap do |params|
+        account_id = params.delete(:account_id)
+        params[:account] = Current.family.accounts.find(account_id)
+      end
     end
 
-    def entry_params
-      params.require(:account_entry)
-            .permit(
-              :type, :date, :qty, :ticker, :price, :amount, :notes, :excluded, :currency, :transfer_account_id, :entryable_type,
-              entryable_attributes: [
-                :id,
-                :qty,
-                :ticker,
-                :price
-              ]
-            )
-            .merge(account: @account)
+    def update_entry_params
+      return entry_params unless entry_params[:entryable_attributes].present?
+
+      update_params = entry_params
+      update_params = update_params.merge(entryable_type: "Account::Trade")
+
+      qty = update_params[:entryable_attributes][:qty]
+      price = update_params[:entryable_attributes][:price]
+
+      if qty.present? && price.present?
+        qty = update_params[:nature] == "inflow" ? -qty.to_d : qty.to_d
+        update_params[:entryable_attributes][:qty] = qty
+        update_params[:amount] = qty * price.to_d
+      end
+
+      update_params.except(:nature)
     end
 end

app/controllers/account/transaction_categories_controller.rb

@@ -0,0 +1,22 @@
+class Account::TransactionCategoriesController < ApplicationController
+  def update
+    @entry = Current.family.entries.account_transactions.find(params[:transaction_id])
+    @entry.update!(entry_params)
+
+    respond_to do |format|
+      format.html { redirect_back_or_to account_transaction_path(@entry) }
+      format.turbo_stream do
+        render turbo_stream: turbo_stream.replace(
+          "category_menu_account_transaction_#{@entry.account_transaction_id}",
+          partial: "categories/menu",
+          locals: { transaction: @entry.account_transaction }
+        )
+      end
+    end
+  end
+
+  private
+    def entry_params
+      params.require(:account_entry).permit(:entryable_type, entryable_attributes: [ :id, :category_id ])
+    end
+end

app/controllers/account/transactions_controller.rb

@@ -1,74 +1,37 @@
 class Account::TransactionsController < ApplicationController
-  layout :with_sidebar
+  include EntryableResource
 
-  before_action :set_account
-  before_action :set_entry, only: :update
+  permitted_entryable_attributes :id, :category_id, :merchant_id, { tag_ids: [] }
 
-  def index
-    @pagy, @entries = pagy(
-      @account.entries.account_transactions.reverse_chronological,
-      limit: params[:per_page] || "10"
-    )
+  def bulk_delete
+    destroyed = Current.family.entries.destroy_by(id: bulk_delete_params[:entry_ids])
+    destroyed.map(&:account).uniq.each(&:sync_later)
+    redirect_back_or_to transactions_url, notice: t(".success", count: destroyed.count)
   end
 
-  def update
-    prev_amount = @entry.amount
-    prev_date = @entry.date
+  def bulk_edit
+  end
 
-    @entry.update!(entry_params.except(:origin))
-    @entry.sync_account_later if prev_amount != @entry.amount || prev_date != @entry.date
+  def bulk_update
+    updated = Current.family
+                     .entries
+                     .where(id: bulk_update_params[:entry_ids])
+                     .bulk_update!(bulk_update_params)
 
-    respond_to do |format|
-      format.html { redirect_to account_entry_path(@account, @entry), notice: t(".success") }
-      format.turbo_stream do
-        render turbo_stream: turbo_stream.replace(
-          @entry,
-          partial: "account/entries/entry",
-          locals: entry_locals.merge(entry: @entry)
-        )
-      end
-    end
+    redirect_back_or_to transactions_url, notice: t(".success", count: updated)
   end
 
   private
-    def set_account
-      @account = Current.family.accounts.find(params[:account_id])
+    def bulk_delete_params
+      params.require(:bulk_delete).permit(entry_ids: [])
     end
 
-    def set_entry
-      @entry = @account.entries.find(params[:id])
+    def bulk_update_params
+      params.require(:bulk_update).permit(:date, :notes, :category_id, :merchant_id, entry_ids: [])
     end
 
-    def entry_locals
-      {
-        selectable: entry_params[:origin].present?,
-        show_balance: entry_params[:origin] == "account",
-        origin: entry_params[:origin]
-      }
-    end
-
-    def entry_params
-      params.require(:account_entry)
-            .permit(
-              :name, :date, :amount, :currency, :excluded, :notes, :entryable_type, :nature, :origin,
-              entryable_attributes: [
-                :id,
-                :category_id,
-                :merchant_id,
-                { tag_ids: [] }
-              ]
-            ).tap do |permitted_params|
-              nature = permitted_params.delete(:nature)
-
-              if permitted_params[:amount]
-                amount_value = permitted_params[:amount].to_d
-
-                if nature == "income"
-                  amount_value *= -1
-                end
-
-                permitted_params[:amount] = amount_value
-              end
-            end
+    def search_params
+      params.fetch(:q, {})
+            .permit(:start_date, :end_date, :search, :amount, :amount_operator, accounts: [], account_ids: [], categories: [], merchants: [], types: [], tags: [])
     end
 end

app/controllers/account/transfer_matches_controller.rb

@@ -0,0 +1,56 @@
+class Account::TransferMatchesController < ApplicationController
+  before_action :set_entry
+
+  def new
+    @accounts = Current.family.accounts.alphabetically.where.not(id: @entry.account_id)
+    @transfer_match_candidates = @entry.transfer_match_candidates
+  end
+
+  def create
+    @transfer = build_transfer
+    @transfer.save!
+    @transfer.sync_account_later
+
+    redirect_back_or_to transactions_path, notice: t(".success")
+  end
+
+  private
+    def set_entry
+      @entry = Current.family.entries.find(params[:transaction_id])
+    end
+
+    def transfer_match_params
+      params.require(:transfer_match).permit(:method, :matched_entry_id, :target_account_id)
+    end
+
+    def build_transfer
+      if transfer_match_params[:method] == "new"
+        target_account = Current.family.accounts.find(transfer_match_params[:target_account_id])
+
+        missing_transaction = Account::Transaction.new(
+          entry: target_account.entries.build(
+            amount: @entry.amount * -1,
+            currency: @entry.currency,
+            date: @entry.date,
+            name: "Transfer to #{@entry.amount.negative? ? @entry.account.name : target_account.name}",
+          )
+        )
+
+        transfer = Transfer.find_or_initialize_by(
+          inflow_transaction: @entry.amount.positive? ? missing_transaction : @entry.account_transaction,
+          outflow_transaction: @entry.amount.positive? ? @entry.account_transaction : missing_transaction
+        )
+        transfer.status = "confirmed"
+        transfer
+      else
+        target_transaction = Current.family.entries.find(transfer_match_params[:matched_entry_id])
+
+        transfer = Transfer.find_or_initialize_by(
+          inflow_transaction: @entry.amount.negative? ? @entry.account_transaction : target_transaction.account_transaction,
+          outflow_transaction: @entry.amount.negative? ? target_transaction.account_transaction : @entry.account_transaction
+        )
+        transfer.status = "confirmed"
+        transfer
+      end
+    end
+end

app/controllers/account/transfers_controller.rb

@@ -1,62 +0,0 @@
-class Account::TransfersController < ApplicationController
-  layout :with_sidebar
-
-  before_action :set_transfer, only: %i[destroy show update]
-
-  def new
-    @transfer = Account::Transfer.new
-  end
-
-  def show
-  end
-
-  def create
-    from_account = Current.family.accounts.find(transfer_params[:from_account_id])
-    to_account = Current.family.accounts.find(transfer_params[:to_account_id])
-
-    @transfer = Account::Transfer.build_from_accounts from_account, to_account, \
-                                             date: transfer_params[:date],
-                                             amount: transfer_params[:amount].to_d,
-                                             currency: transfer_params[:currency]
-
-    if @transfer.save
-      @transfer.entries.each(&:sync_account_later)
-      redirect_to transactions_path, notice: t(".success")
-    else
-      # TODO: this is not an ideal way to handle errors and should eventually be improved.
-      # See: https://github.com/hotwired/turbo-rails/pull/367
-      flash[:alert] = @transfer.errors.full_messages.to_sentence
-      redirect_to transactions_path
-    end
-  end
-
-  def update
-    @transfer.update_entries!(transfer_update_params)
-    redirect_back_or_to transactions_url, notice: t(".success")
-  end
-
-  def destroy
-    @transfer.destroy!
-    redirect_back_or_to transactions_url, notice: t(".success")
-  end
-
-  private
-
-    def set_transfer
-      record = Account::Transfer.find(params[:id])
-
-      unless record.entries.all? { |entry| Current.family.accounts.include?(entry.account) }
-        raise ActiveRecord::RecordNotFound
-      end
-
-      @transfer = record
-    end
-
-    def transfer_params
-      params.require(:account_transfer).permit(:from_account_id, :to_account_id, :amount, :date, :name, :excluded)
-    end
-
-    def transfer_update_params
-      params.require(:account_transfer).permit(:excluded, :notes)
-    end
-end

app/controllers/account/valuations_controller.rb

@@ -1,35 +1,3 @@
 class Account::ValuationsController < ApplicationController
-  layout :with_sidebar
-
-  before_action :set_account
-
-  def new
-    @entry = @account.entries.account_valuations.new(entryable_attributes: {})
-  end
-
-  def create
-    @entry = @account.entries.account_valuations.new(entry_params.merge(entryable_attributes: {}))
-
-    if @entry.save
-      @entry.sync_account_later
-      redirect_back_or_to account_valuations_path(@account), notice: t(".success")
-    else
-      flash[:alert] = @entry.errors.full_messages.to_sentence
-      redirect_to @account
-    end
-  end
-
-  def index
-    @entries = @account.entries.account_valuations.reverse_chronological
-  end
-
-  private
-
-    def set_account
-      @account = Current.family.accounts.find(params[:account_id])
-    end
-
-    def entry_params
-      params.require(:account_entry).permit(:name, :date, :amount, :currency)
-    end
+  include EntryableResource
 end

app/controllers/accounts_controller.rb

@@ -4,8 +4,8 @@ class AccountsController < ApplicationController
   before_action :set_account, only: %i[sync]
 
   def index
-    @institutions = Current.family.institutions
-    @accounts = Current.family.accounts.ungrouped.alphabetically
+    @manual_accounts = Current.family.accounts.where(scheduled_for_deletion: false).manual.alphabetically
+    @plaid_items = Current.family.plaid_items.where(scheduled_for_deletion: false).ordered
   end
 
   def summary
@@ -14,7 +14,7 @@ class AccountsController < ApplicationController
     @net_worth_series = snapshot[:net_worth_series]
     @asset_series = snapshot[:asset_series]
     @liability_series = snapshot[:liability_series]
-    @accounts = Current.family.accounts
+    @accounts = Current.family.accounts.active
     @account_groups = @accounts.by_group(period: @period, currency: Current.family.currency)
   end
 
@@ -27,11 +27,21 @@ class AccountsController < ApplicationController
     unless @account.syncing?
       @account.sync_later
     end
+
+    redirect_to account_path(@account)
+  end
+
+  def chart
+    @account = Current.family.accounts.find(params[:id])
+    render layout: "application"
   end
 
   def sync_all
-    Current.family.accounts.active.sync
-    redirect_back_or_to accounts_path, notice: t(".success")
+    unless Current.family.syncing?
+      Current.family.sync_later
+    end
+
+    redirect_to accounts_path
   end
 
   private

app/controllers/application_controller.rb

@@ -4,6 +4,8 @@ class ApplicationController < ActionController::Base
 
   helper_method :require_upgrade?, :subscription_pending?
 
+  before_action :detect_os
+
   private
     def require_upgrade?
       return false if self_hosted?
@@ -24,4 +26,16 @@ class ApplicationController < ActionController::Base
 
       "with_sidebar"
     end
+
+    def detect_os
+      user_agent = request.user_agent
+      @os = case user_agent
+      when /Windows/i then "windows"
+      when /Macintosh/i then "mac"
+      when /Linux/i then "linux"
+      when /Android/i then "android"
+      when /iPhone|iPad/i then "ios"
+      else ""
+      end
+    end
 end

app/controllers/budget_categories_controller.rb

@@ -0,0 +1,35 @@
+class BudgetCategoriesController < ApplicationController
+  def index
+    @budget = Current.family.budgets.find(params[:budget_id])
+    render layout: "wizard"
+  end
+
+  def show
+    @budget = Current.family.budgets.find(params[:budget_id])
+
+    @recent_transactions = @budget.entries
+
+    if params[:id] == BudgetCategory.uncategorized.id
+      @budget_category = @budget.uncategorized_budget_category
+      @recent_transactions = @recent_transactions.where(account_transactions: { category_id: nil })
+    else
+      @budget_category = Current.family.budget_categories.find(params[:id])
+      @recent_transactions = @recent_transactions.joins("LEFT JOIN categories ON categories.id = account_transactions.category_id")
+                                                 .where("categories.id = ? OR categories.parent_id = ?", @budget_category.category.id, @budget_category.category.id)
+    end
+
+    @recent_transactions = @recent_transactions.order("account_entries.date DESC, ABS(account_entries.amount) DESC").take(3)
+  end
+
+  def update
+    @budget_category = Current.family.budget_categories.find(params[:id])
+    @budget_category.update!(budget_category_params)
+
+    redirect_to budget_budget_categories_path(@budget_category.budget)
+  end
+
+  private
+    def budget_category_params
+      params.require(:budget_category).permit(:budgeted_spending)
+    end
+end

app/controllers/budgets_controller.rb

@@ -0,0 +1,55 @@
+class BudgetsController < ApplicationController
+  before_action :set_budget, only: %i[show edit update]
+
+  def index
+    redirect_to_current_month_budget
+  end
+
+  def show
+    @next_budget = @budget.next_budget
+    @previous_budget = @budget.previous_budget
+    @latest_budget = Budget.find_or_bootstrap(Current.family)
+    render layout: with_sidebar
+  end
+
+  def edit
+    render layout: "wizard"
+  end
+
+  def update
+    @budget.update!(budget_params)
+    redirect_to budget_budget_categories_path(@budget)
+  end
+
+  def create
+    start_date = Date.parse(budget_create_params[:start_date])
+    @budget = Budget.find_or_bootstrap(Current.family, date: start_date)
+    redirect_to budget_path(@budget)
+  end
+
+  def picker
+    render partial: "budgets/picker", locals: {
+      family: Current.family,
+      year: params[:year].to_i || Date.current.year
+    }
+  end
+
+  private
+    def budget_create_params
+      params.require(:budget).permit(:start_date)
+    end
+
+    def budget_params
+      params.require(:budget).permit(:budgeted_spending, :expected_income)
+    end
+
+    def set_budget
+      @budget = Current.family.budgets.find(params[:id])
+      @budget.sync_budget_categories
+    end
+
+    def redirect_to_current_month_budget
+      current_budget = Budget.find_or_bootstrap(Current.family)
+      redirect_to budget_path(current_budget)
+    end
+end

app/controllers/categories_controller.rb

@@ -10,6 +10,7 @@ class CategoriesController < ApplicationController
 
   def new
     @category = Current.family.categories.new color: Category::COLORS.sample
+    @categories = Current.family.categories.alphabetically.where(parent_id: nil).where.not(id: @category.id)
   end
 
   def create
@@ -17,19 +18,28 @@ class CategoriesController < ApplicationController
 
     if @category.save
       @transaction.update(category_id: @category.id) if @transaction
-      redirect_back_or_to transactions_path, notice: t(".success")
+
+      flash[:notice] = t(".success")
+
+      redirect_target_url = request.referer || categories_path
+      respond_to do |format|
+        format.html { redirect_back_or_to categories_path, notice: t(".success") }
+        format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, redirect_target_url) }
+      end
     else
-      redirect_back_or_to transactions_path, alert: t(".failure", error: @category.errors.full_messages.to_sentence)
+      @categories = Current.family.categories.alphabetically.where(parent_id: nil).where.not(id: @category.id)
+      render :new, status: :unprocessable_entity
     end
   end
 
   def edit
+    @categories = Current.family.categories.alphabetically.where(parent_id: nil).where.not(id: @category.id)
   end
 
   def update
     @category.update! category_params
 
-    redirect_back_or_to transactions_path, notice: t(".success")
+    redirect_back_or_to categories_path, notice: t(".success")
   end
 
   def destroy
@@ -38,6 +48,12 @@ class CategoriesController < ApplicationController
     redirect_back_or_to categories_path, notice: t(".success")
   end
 
+  def bootstrap
+    Current.family.categories.bootstrap_defaults
+
+    redirect_back_or_to categories_path, notice: t(".success")
+  end
+
   private
     def set_category
       @category = Current.family.categories.find(params[:id])
@@ -50,6 +66,6 @@ class CategoriesController < ApplicationController
     end
 
     def category_params
-      params.require(:category).permit(:name, :color)
+      params.require(:category).permit(:name, :color, :parent_id, :classification, :lucide_icon)
     end
 end

app/controllers/concerns/accountable_resource.rb

@@ -4,6 +4,7 @@ module AccountableResource
   included do
     layout :with_sidebar
     before_action :set_account, only: [ :show, :edit, :update, :destroy ]
+    before_action :set_link_token, only: :new
   end
 
   class_methods do
@@ -16,8 +17,7 @@ module AccountableResource
   def new
     @account = Current.family.accounts.build(
       currency: Current.family.currency,
-      accountable: accountable_type.new,
-      institution_id: params[:institution_id]
+      accountable: accountable_type.new
     )
   end
 
@@ -29,20 +29,35 @@ module AccountableResource
 
   def create
     @account = Current.family.accounts.create_and_sync(account_params.except(:return_to))
-    redirect_to account_params[:return_to].presence || @account, notice: t(".success")
+    redirect_to account_params[:return_to].presence || @account, notice: t("accounts.create.success", type: accountable_type.name.underscore.humanize)
   end
 
   def update
     @account.update_with_sync!(account_params.except(:return_to))
-    redirect_back_or_to @account, notice: t(".success")
+    redirect_back_or_to @account, notice: t("accounts.update.success", type: accountable_type.name.underscore.humanize)
   end
 
   def destroy
-    @account.destroy!
-    redirect_to accounts_path, notice: t(".success")
+    @account.destroy_later
+    redirect_to accounts_path, notice: t("accounts.destroy.success", type: accountable_type.name.underscore.humanize)
   end
 
   private
+    def set_link_token
+      @link_token = Current.family.get_link_token(
+        webhooks_url: webhooks_url,
+        redirect_url: accounts_url,
+        accountable_type: accountable_type.name
+      )
+    end
+
+    def webhooks_url
+      return webhooks_plaid_url if Rails.env.production?
+
+      base_url = ENV.fetch("DEV_WEBHOOKS_URL", root_url.chomp("/"))
+      base_url + "/webhooks/plaid"
+    end
+
     def accountable_type
       controller_name.classify.constantize
     end
@@ -53,7 +68,7 @@ module AccountableResource
 
     def account_params
       params.require(:account).permit(
-        :name, :is_active, :balance, :subtype, :currency, :institution_id, :accountable_type, :return_to,
+        :name, :is_active, :balance, :subtype, :currency, :accountable_type, :return_to,
         accountable_attributes: self.class.permitted_accountable_attributes
       )
     end

app/controllers/concerns/auto_sync.rb

@@ -2,12 +2,20 @@ module AutoSync
   extend ActiveSupport::Concern
 
   included do
-    before_action :sync_family, if: -> { Current.family.present? && Current.family.needs_sync? }
+    before_action :sync_family, if: :family_needs_auto_sync?
   end
 
   private
-
     def sync_family
-      Current.family.sync
+      Current.family.update!(last_synced_at: Time.current)
+      Current.family.sync_later
+    end
+
+    def family_needs_auto_sync?
+      return false unless Current.family.present?
+      return false unless Current.family.accounts.any?
+
+      Current.family.last_synced_at.blank? ||
+      Current.family.last_synced_at.to_date < Date.current
     end
 end

app/controllers/concerns/entryable_resource.rb

@@ -0,0 +1,129 @@
+module EntryableResource
+  extend ActiveSupport::Concern
+
+  included do
+    layout :with_sidebar
+    before_action :set_entry, only: %i[show update destroy]
+  end
+
+  class_methods do
+    def permitted_entryable_attributes(*attrs)
+      @permitted_entryable_attributes = attrs if attrs.any?
+      @permitted_entryable_attributes ||= [ :id ]
+    end
+  end
+
+  def show
+  end
+
+  def new
+    account = Current.family.accounts.find_by(id: params[:account_id])
+
+    @entry = Current.family.entries.new(
+      account: account,
+      currency: account ? account.currency : Current.family.currency,
+      entryable: entryable_type.new
+    )
+  end
+
+  def create
+    @entry = build_entry
+
+    if @entry.save
+      @entry.sync_account_later
+
+      flash[:notice] = t("account.entries.create.success")
+
+      respond_to do |format|
+        format.html { redirect_back_or_to account_path(@entry.account) }
+
+        redirect_target_url = request.referer || account_path(@entry.account)
+        format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, redirect_target_url) }
+      end
+    else
+      render :new, status: :unprocessable_entity
+    end
+  end
+
+  def update
+    if @entry.update(update_entry_params)
+      @entry.sync_account_later
+
+      respond_to do |format|
+        format.html { redirect_back_or_to account_path(@entry.account), notice: t("account.entries.update.success") }
+        format.turbo_stream do
+          render turbo_stream: [
+            turbo_stream.replace(
+              "header_account_entry_#{@entry.id}",
+              partial: "#{entryable_type.name.underscore.pluralize}/header",
+              locals: { entry: @entry }
+            ),
+            turbo_stream.replace("account_entry_#{@entry.id}", partial: "account/entries/entry", locals: { entry: @entry })
+          ]
+        end
+      end
+    else
+      render :show, status: :unprocessable_entity
+    end
+  end
+
+  def destroy
+    account = @entry.account
+    @entry.destroy!
+    @entry.sync_account_later
+
+    flash[:notice] = t("account.entries.destroy.success")
+
+    respond_to do |format|
+      format.html { redirect_back_or_to account_path(account) }
+
+      redirect_target_url = request.referer || account_path(@entry.account)
+      format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, redirect_target_url) }
+    end
+  end
+
+  private
+    def entryable_type
+      permitted_entryable_types = %w[Account::Transaction Account::Valuation Account::Trade]
+      klass = params[:entryable_type] || "Account::#{controller_name.classify}"
+      klass.constantize if permitted_entryable_types.include?(klass)
+    end
+
+    def set_entry
+      @entry = Current.family.entries.find(params[:id])
+    end
+
+    def build_entry
+      Current.family.entries.new(create_entry_params)
+    end
+
+    def update_entry_params
+      prepared_entry_params
+    end
+
+    def create_entry_params
+      prepared_entry_params.merge({
+        entryable_type: entryable_type.name,
+        entryable_attributes: entry_params[:entryable_attributes] || {}
+      })
+    end
+
+    def prepared_entry_params
+      default_params = entry_params.except(:nature)
+      default_params = default_params.merge(entryable_type: entryable_type.name) if entry_params[:entryable_attributes].present?
+
+      if entry_params[:nature].present? && entry_params[:amount].present?
+        signed_amount = entry_params[:nature] == "inflow" ? -entry_params[:amount].to_d : entry_params[:amount].to_d
+        default_params = default_params.merge(amount: signed_amount)
+      end
+
+      default_params
+    end
+
+    def entry_params
+      params.require(:account_entry).permit(
+        :account_id, :name, :enriched_name, :date, :amount, :currency, :excluded, :notes, :nature,
+        entryable_attributes: self.class.permitted_entryable_attributes
+      )
+    end
+end

app/controllers/concerns/localize.rb

@@ -3,6 +3,7 @@ module Localize
 
   included do
     around_action :switch_locale
+    around_action :switch_timezone
   end
 
   private
@@ -10,4 +11,9 @@ module Localize
       locale = Current.family.try(:locale) || I18n.default_locale
       I18n.with_locale(locale, &action)
     end
+
+    def switch_timezone(&action)
+      timezone = Current.family.try(:timezone) || Time.zone
+      Time.use_zone(timezone, &action)
+    end
 end

app/controllers/concerns/store_location.rb

@@ -5,6 +5,8 @@ module StoreLocation
     helper_method :previous_path
     before_action :store_return_to
     after_action :clear_previous_path
+
+    rescue_from ActiveRecord::RecordNotFound, with: :handle_not_found
   end
 
   def previous_path
@@ -12,6 +14,14 @@ module StoreLocation
   end
 
 private
+  def handle_not_found
+    if request.fullpath == session[:return_to]
+      session.delete(:return_to)
+      redirect_to fallback_path
+    else
+      head :not_found
+    end
+  end
 
   def store_return_to
     if params[:return_to].present?

app/controllers/import/uploads_controller.rb

@@ -32,7 +32,7 @@ class Import::UploadsController < ApplicationController
       require "csv"
 
       begin
-        csv = CSV.parse(str || "", headers: true)
+        csv = CSV.parse(str || "", headers: true, col_sep: upload_params[:col_sep])
         return false if csv.headers.empty?
         return false if csv.count == 0
         true

app/controllers/institutions_controller.rb

@@ -1,40 +0,0 @@
-class InstitutionsController < ApplicationController
-  before_action :set_institution, except: %i[new create]
-
-  def new
-    @institution = Institution.new
-  end
-
-  def create
-    Current.family.institutions.create!(institution_params)
-    redirect_to accounts_path, notice: t(".success")
-  end
-
-  def edit
-  end
-
-  def update
-    @institution.update!(institution_params)
-    redirect_to accounts_path, notice: t(".success")
-  end
-
-  def destroy
-    @institution.destroy!
-    redirect_to accounts_path, notice: t(".success")
-  end
-
-  def sync
-    @institution.sync
-    redirect_back_or_to accounts_path, notice: t(".success")
-  end
-
-  private
-
-    def institution_params
-      params.require(:institution).permit(:name, :logo)
-    end
-
-    def set_institution
-      @institution = Current.family.institutions.find(params[:id])
-    end
-end

app/controllers/plaid_items_controller.rb

@@ -0,0 +1,38 @@
+class PlaidItemsController < ApplicationController
+  before_action :set_plaid_item, only: %i[destroy sync]
+
+  def create
+    Current.family.plaid_items.create_from_public_token(
+      plaid_item_params[:public_token],
+      item_name: item_name,
+    )
+
+    redirect_to accounts_path, notice: t(".success")
+  end
+
+  def destroy
+    @plaid_item.destroy_later
+    redirect_to accounts_path, notice: t(".success")
+  end
+
+  def sync
+    unless @plaid_item.syncing?
+      @plaid_item.sync_later
+    end
+
+    redirect_to accounts_path
+  end
+
+  private
+    def set_plaid_item
+      @plaid_item = Current.family.plaid_items.find(params[:id])
+    end
+
+    def plaid_item_params
+      params.require(:plaid_item).permit(:public_token, metadata: {})
+    end
+
+    def item_name
+      plaid_item_params.dig(:metadata, :institution, :name)
+    end
+end

app/controllers/properties_controller.rb

@@ -11,8 +11,7 @@ class PropertiesController < ApplicationController
       currency: Current.family.currency,
       accountable: Property.new(
         address: Address.new
-      ),
-      institution_id: params[:institution_id]
+      )
     )
   end
 

app/controllers/registrations_controller.rb

@@ -24,11 +24,10 @@ class RegistrationsController < ApplicationController
 
     if @user.save
       @invitation&.update!(accepted_at: Time.current)
-      Category.create_default_categories(@user.family) unless @invitation
       @session = create_session_for(@user)
       redirect_to root_path, notice: t(".success")
     else
-      render :new, status: :unprocessable_entity
+      render :new, status: :unprocessable_entity, alert: t(".failure")
     end
   end
 

app/controllers/securities_controller.rb

@@ -1,5 +1,18 @@
 class SecuritiesController < ApplicationController
-  def import
-    SecuritiesImportJob.perform_later(params[:exchange_mic])
+  def index
+    query = params[:q]
+    return render json: [] if query.blank? || query.length < 2 || query.length > 100
+
+    @securities = Security.search({
+      search: query,
+      country: country_code_filter
+    })
   end
+
+  private
+    def country_code_filter
+      filter = params[:country_code]
+      filter = "#{filter},US" unless filter == "US"
+      filter
+    end
 end

app/controllers/transactions_controller.rb

@@ -3,104 +3,28 @@ class TransactionsController < ApplicationController
 
   def index
     @q = search_params
-    result = Current.family.entries.account_transactions.search(@q).reverse_chronological
-    @pagy, @transaction_entries = pagy(result, limit: params[:per_page] || "50")
+    search_query = Current.family.transactions.search(@q).reverse_chronological
+    @pagy, @transaction_entries = pagy(search_query, limit: params[:per_page] || "50")
+
+    totals_query = search_query.incomes_and_expenses
+    family_currency = Current.family.currency
+    count_with_transfers = search_query.count
+    count_without_transfers = totals_query.count
 
     @totals = {
-      count: result.select { |t| t.currency == Current.family.currency }.count,
-      income: result.income_total(Current.family.currency).abs,
-      expense: result.expense_total(Current.family.currency)
+      count: ((count_with_transfers - count_without_transfers) / 2) + count_without_transfers,
+      income: totals_query.income_total(family_currency).abs,
+      expense: totals_query.expense_total(family_currency)
     }
   end
 
-  def new
-    @entry = Current.family.entries.new(entryable: Account::Transaction.new).tap do |e|
-      if params[:account_id]
-        e.account = Current.family.accounts.find(params[:account_id])
-        e.currency = e.account.currency
-      else
-        e.currency = Current.family.currency
-      end
-    end
-  end
-
-  def create
-    @entry = Current.family
-                    .accounts
-                    .find(params[:account_entry][:account_id])
-                    .entries
-                    .create!(transaction_entry_params.merge(amount: amount))
-
-    @entry.sync_account_later
-    redirect_back_or_to @entry.account, notice: t(".success")
-  end
-
-  def bulk_delete
-    destroyed = Current.family.entries.destroy_by(id: bulk_delete_params[:entry_ids])
-    destroyed.map(&:account).uniq.each(&:sync_later)
-    redirect_back_or_to transactions_url, notice: t(".success", count: destroyed.count)
-  end
-
-  def bulk_edit
-  end
-
-  def bulk_update
-    updated = Current.family
-                     .entries
-                     .where(id: bulk_update_params[:entry_ids])
-                     .bulk_update!(bulk_update_params)
-
-    redirect_back_or_to transactions_url, notice: t(".success", count: updated)
-  end
-
-  def mark_transfers
-    Current.family
-      .entries
-      .where(id: bulk_update_params[:entry_ids])
-           .mark_transfers!
-
-    redirect_back_or_to transactions_url, notice: t(".success")
-  end
-
-  def unmark_transfers
-    Current.family
-      .entries
-      .where(id: bulk_update_params[:entry_ids])
-           .update_all marked_as_transfer: false
-
-    redirect_back_or_to transactions_url, notice: t(".success")
-  end
-
   private
-
-    def amount
-      if nature.income?
-        transaction_entry_params[:amount].to_d * -1
-      else
-        transaction_entry_params[:amount].to_d
-      end
-    end
-
-    def nature
-      params[:account_entry][:nature].to_s.inquiry
-    end
-
-    def bulk_delete_params
-      params.require(:bulk_delete).permit(entry_ids: [])
-    end
-
-    def bulk_update_params
-      params.require(:bulk_update).permit(:date, :notes, :category_id, :merchant_id, entry_ids: [])
-    end
-
     def search_params
       params.fetch(:q, {})
-            .permit(:start_date, :end_date, :search, :amount, :amount_operator, accounts: [], account_ids: [], categories: [], merchants: [], types: [], tags: [])
-    end
-
-    def transaction_entry_params
-      params.require(:account_entry)
-            .permit(:name, :date, :amount, :currency, :entryable_type, entryable_attributes: [ :category_id ])
-            .with_defaults(entryable_type: "Account::Transaction", entryable_attributes: {})
+            .permit(
+              :start_date, :end_date, :search, :amount,
+              :amount_operator, accounts: [], account_ids: [],
+              categories: [], merchants: [], types: [], tags: []
+            )
     end
 end

app/controllers/transfers_controller.rb

@@ -0,0 +1,71 @@
+class TransfersController < ApplicationController
+  layout :with_sidebar
+
+  before_action :set_transfer, only: %i[destroy show update]
+
+  def new
+    @transfer = Transfer.new
+  end
+
+  def show
+    @categories = Current.family.categories.expenses
+  end
+
+  def create
+    from_account = Current.family.accounts.find(transfer_params[:from_account_id])
+    to_account = Current.family.accounts.find(transfer_params[:to_account_id])
+
+    @transfer = Transfer.from_accounts(
+      from_account: from_account,
+      to_account: to_account,
+      date: transfer_params[:date],
+      amount: transfer_params[:amount].to_d
+    )
+
+    if @transfer.save
+      @transfer.sync_account_later
+
+      flash[:notice] = t(".success")
+
+      respond_to do |format|
+        format.html { redirect_back_or_to transactions_path }
+        redirect_target_url = request.referer || transactions_path
+        format.turbo_stream { render turbo_stream: turbo_stream.action(:redirect, redirect_target_url) }
+      end
+    else
+      render :new, status: :unprocessable_entity
+    end
+  end
+
+  def update
+    Transfer.transaction do
+      @transfer.update!(transfer_update_params.except(:category_id))
+      @transfer.outflow_transaction.update!(category_id: transfer_update_params[:category_id])
+    end
+
+    respond_to do |format|
+      format.html { redirect_back_or_to transactions_url, notice: t(".success") }
+      format.turbo_stream
+    end
+  end
+
+  def destroy
+    @transfer.destroy!
+    redirect_back_or_to transactions_url, notice: t(".success")
+  end
+
+  private
+    def set_transfer
+      @transfer = Transfer.find(params[:id])
+
+      raise ActiveRecord::RecordNotFound unless @transfer.belongs_to_family?(Current.family)
+    end
+
+    def transfer_params
+      params.require(:transfer).permit(:from_account_id, :to_account_id, :amount, :date, :name, :excluded)
+    end
+
+    def transfer_update_params
+      params.require(:transfer).permit(:notes, :status, :category_id)
+    end
+end

app/controllers/users_controller.rb

@@ -41,7 +41,7 @@ class UsersController < ApplicationController
     def user_params
       params.require(:user).permit(
         :first_name, :last_name, :profile_image, :redirect_to, :delete_profile_image, :onboarded_at,
-        family_attributes: [ :name, :currency, :country, :locale, :date_format, :id ]
+        family_attributes: [ :name, :currency, :country, :locale, :date_format, :timezone, :id, :data_enrichment_enabled ]
       )
     end
 

app/controllers/webhooks_controller.rb

@@ -1,7 +1,19 @@
 class WebhooksController < ApplicationController
-  skip_before_action :verify_authenticity_token, only: [ :stripe ]
+  skip_before_action :verify_authenticity_token
   skip_authentication
 
+  def plaid
+    webhook_body = request.body.read
+    plaid_verification_header = request.headers["Plaid-Verification"]
+
+    Provider::Plaid.validate_webhook!(plaid_verification_header, webhook_body)
+    Provider::Plaid.process_webhook(webhook_body)
+
+    render json: { received: true }, status: :ok
+  rescue => error
+    render json: { error: "Invalid webhook: #{error.message}" }, status: :bad_request
+  end
+
   def stripe
     webhook_body = request.body.read
     sig_header = request.env["HTTP_STRIPE_SIGNATURE"]

app/helpers/account/entries_helper.rb

@@ -3,28 +3,30 @@ module Account::EntriesHelper
     "account/entries/entryables/#{permitted_entryable_key(entry)}/#{relative_partial_path}"
   end
 
-  def unconfirmed_transfer?(entry)
-    entry.marked_as_transfer? && entry.transfer.nil?
-  end
-
   def transfer_entries(entries)
     transfers = entries.select { |e| e.transfer_id.present? }
     transfers.map(&:transfer).uniq
   end
 
   def entries_by_date(entries, selectable: true, totals: false)
-    entries.group_by(&:date).map do |date, grouped_entries|
-      # Valuations always go first, then sort by created_at desc
-      sorted_entries = grouped_entries.sort_by do |entry|
-        [ entry.account_valuation? ? 0 : 1, -entry.created_at.to_i ]
-      end
-
+    entries.reverse_chronological.group_by(&:date).map do |date, grouped_entries|
       content = capture do
-        yield sorted_entries
+        yield grouped_entries
       end
 
-      render partial: "account/entries/entry_group", locals: { date:, entries: sorted_entries, content:, selectable:, totals: }
-    end.join.html_safe
+      next if content.blank?
+
+      render partial: "account/entries/entry_group", locals: { date:, entries: grouped_entries, content:, selectable:, totals: }
+    end.compact.join.html_safe
+  end
+
+  def entry_name_detailed(entry)
+    [
+      entry.date,
+      format_money(entry.amount_money),
+      entry.account.name,
+      entry.display_name
+    ].join(" • ")
   end
 
   private

app/helpers/account/holdings_helper.rb

@@ -1,13 +1,13 @@
-module Account::CashesHelper
-  def brokerage_cash(account)
+module Account::HoldingsHelper
+  def brokerage_cash_holding(account)
     currency = Money::Currency.new(account.currency)
 
     account.holdings.build \
       date: Date.current,
-      qty: account.balance,
+      qty: account.cash_balance,
       price: 1,
-      amount: account.balance,
-      currency: account.currency,
+      amount: account.cash_balance,
+      currency: currency.iso_code,
       security: Security.new(ticker: currency.iso_code, name: currency.name)
   end
 end

app/helpers/account/transfers_helper.rb

@@ -1,2 +0,0 @@
-module Account::TransfersHelper
-end

app/helpers/application_helper.rb

@@ -4,6 +4,7 @@ module ApplicationHelper
   def date_format_options
     [
       [ "DD-MM-YYYY", "%d-%m-%Y" ],
+      [ "DD.MM.YYYY", "%d.%m.%Y" ],
       [ "MM-DD-YYYY", "%m-%d-%Y" ],
       [ "YYYY-MM-DD", "%Y-%m-%d" ],
       [ "DD/MM/YYYY", "%d/%m/%Y" ],
@@ -14,6 +15,16 @@ module ApplicationHelper
     ]
   end
 
+  def icon(key, size: "md", color: "current")
+    render partial: "shared/icon", locals: { key:, size:, color: }
+  end
+
+  # Convert alpha (0-1) to 8-digit hex (00-FF)
+  def hex_with_alpha(hex, alpha)
+    alpha_hex = (alpha * 255).round.to_s(16).rjust(2, "0")
+    "#{hex}#{alpha_hex}"
+  end
+
   def title(page_title)
     content_for(:title) { page_title }
   end
@@ -61,14 +72,14 @@ module ApplicationHelper
   #     <div>Content here</div>
   #   <% end %>
   #
-  def drawer(&block)
+  def drawer(reload_on_close: false, &block)
     content = capture &block
-    render partial: "shared/drawer", locals: { content: content }
+    render partial: "shared/drawer", locals: { content:, reload_on_close: }
   end
 
-  def disclosure(title, &block)
+  def disclosure(title, default_open: true, &block)
     content = capture &block
-    render partial: "shared/disclosure", locals: { title: title, content: content }
+    render partial: "shared/disclosure", locals: { title: title, content: content, open: default_open }
   end
 
   def sidebar_link_to(name, path, options = {})
@@ -157,4 +168,32 @@ module ApplicationHelper
               .map { |_currency, money| format_money(money) }
               .join(separator)
   end
+
+  def show_super_admin_bar?
+    if params[:admin].present?
+      cookies.permanent[:admin] = params[:admin]
+    end
+
+    cookies[:admin] == "true"
+  end
+
+  def custom_pagy_url_for(pagy, page, current_path: nil)
+    if current_path.blank?
+      pagy_url_for(pagy, page)
+    else
+      uri = URI.parse(current_path)
+      params = URI.decode_www_form(uri.query || "").to_h
+
+      # Delete existing page param if it exists
+      params.delete("page")
+      # Add new page param unless it's page 1
+      params["page"] = page unless page == 1
+
+      if params.empty?
+        uri.path
+      else
+        "#{uri.path}?#{URI.encode_www_form(params)}"
+      end
+    end
+  end
 end

app/helpers/categories_helper.rb

@@ -1,11 +1,25 @@
 module CategoriesHelper
-  def null_category
+  def transfer_category
     Category.new \
-      name: "Uncategorized",
-      color: Category::UNCATEGORIZED_COLOR
+      name: "Transfer",
+      color: Category::TRANSFER_COLOR,
+      lucide_icon: "arrow-right-left"
+  end
+
+  def payment_category
+    Category.new \
+      name: "Payment",
+      color: Category::PAYMENT_COLOR,
+      lucide_icon: "arrow-right"
+  end
+
+  def trade_category
+    Category.new \
+      name: "Trade",
+      color: Category::TRADE_COLOR
   end
 
   def family_categories
-    [ null_category ].concat(Current.family.categories.alphabetically)
+    [ Category.uncategorized ].concat(Current.family.categories.alphabetically)
   end
 end

app/helpers/forms_helper.rb

@@ -18,7 +18,7 @@ module FormsHelper
   end
 
   def period_select(form:, selected:, classes: "border border-alpha-black-100 shadow-xs rounded-lg text-sm pr-7 cursor-pointer text-gray-900 focus:outline-none focus:ring-0")
-    periods_for_select = [ [ "7D", "last_7_days" ], [ "1M", "last_30_days" ], [ "1Y", "last_365_days" ], [ "All", "all" ] ]
+    periods_for_select = [ [ "7D", "last_7_days" ], [ "1M", "last_30_days" ], [ "1Y", "last_365_days" ] ]
     form.select(:period, periods_for_select, { selected: selected }, class: classes, data: { "auto-submit-form-target": "auto" })
   end
 

app/helpers/institutions_helper.rb

@@ -1,5 +0,0 @@
-module InstitutionsHelper
-  def institution_logo(institution)
-    institution.logo.attached? ? institution.logo : institution.logo_url
-  end
-end

app/helpers/languages_helper.rb

@@ -363,4 +363,8 @@ module LanguagesHelper
       end
       .sort_by { |label, locale| label }
   end
+
+  def timezone_options
+    ActiveSupport::TimeZone.all.map { |tz| [ tz.name + " (#{tz.tzinfo.identifier})", tz.tzinfo.identifier ] }
+  end
 end

app/javascript/application.js

@@ -1,3 +1,7 @@
 // Configure your import map in config/importmap.rb. Read more: https://github.com/rails/importmap-rails
 import "@hotwired/turbo-rails";
 import "controllers";
+
+Turbo.StreamActions.redirect = function () {
+  Turbo.visit(this.target);
+};

app/javascript/controllers/application.js

@@ -6,7 +6,7 @@ const application = Application.start();
 application.debug = false;
 window.Stimulus = application;
 
-Turbo.setConfirmMethod((message) => {
+Turbo.config.forms.confirm = (message) => {
   const dialog = document.getElementById("turbo-confirm");
 
   try {
@@ -37,11 +37,21 @@ Turbo.setConfirmMethod((message) => {
     dialog.addEventListener(
       "close",
       () => {
-        resolve(dialog.returnValue === "confirm");
+        const confirmed = dialog.returnValue === "confirm";
+
+        if (!confirmed) {
+          document.getElementById("turbo-confirm-title").innerHTML =
+            "Are you sure?";
+          document.getElementById("turbo-confirm-body").innerHTML =
+            "You will not be able to undo this decision";
+          document.getElementById("turbo-confirm-accept").innerHTML = "Confirm";
+        }
+
+        resolve(confirmed);
       },
       { once: true },
     );
   });
-});
+};
 
 export { application };

app/javascript/controllers/budget_form_controller.js

@@ -0,0 +1,25 @@
+import { Controller } from "@hotwired/stimulus";
+
+// Connects to data-controller="budget-form"
+export default class extends Controller {
+  toggleAutoFill(e) {
+    const expectedIncome = e.params.income;
+    const budgetedSpending = e.params.spending;
+
+    if (e.target.checked) {
+      this.#fillField(expectedIncome.key, expectedIncome.value);
+      this.#fillField(budgetedSpending.key, budgetedSpending.value);
+    } else {
+      this.#clearField(expectedIncome.key);
+      this.#clearField(budgetedSpending.key);
+    }
+  }
+
+  #fillField(id, value) {
+    this.element.querySelector(`input[id="${id}"]`).value = value;
+  }
+
+  #clearField(id) {
+    this.element.querySelector(`input[id="${id}"]`).value = "";
+  }
+}

app/javascript/controllers/bulk_select_controller.js

@@ -99,7 +99,9 @@ export default class extends Controller {
   }
 
   _rowsForGroup(group) {
-    return this.rowTargets.filter((row) => group.contains(row));
+    return this.rowTargets.filter(
+      (row) => group.contains(row) && !row.disabled,
+    );
   }
 
   _addToSelection(idToAdd) {
@@ -115,7 +117,9 @@ export default class extends Controller {
   }
 
   _selectAll() {
-    this.selectedIdsValue = this.rowTargets.map((t) => t.dataset.id);
+    this.selectedIdsValue = this.rowTargets
+      .filter((t) => !t.disabled)
+      .map((t) => t.dataset.id);
   }
 
   _updateView = () => {

app/javascript/controllers/donut_chart_controller.js

@@ -0,0 +1,168 @@
+import { Controller } from "@hotwired/stimulus";
+import * as d3 from "d3";
+
+// Connects to data-controller="donut-chart"
+export default class extends Controller {
+  static targets = ["chartContainer", "contentContainer", "defaultContent"];
+  static values = {
+    segments: { type: Array, default: [] },
+    unusedSegmentId: { type: String, default: "unused" },
+    overageSegmentId: { type: String, default: "overage" },
+    segmentHeight: { type: Number, default: 3 },
+    segmentOpacity: { type: Number, default: 1 },
+  };
+
+  #viewBoxSize = 100;
+  #minSegmentAngle = this.segmentHeightValue * 0.01;
+
+  connect() {
+    this.#draw();
+    document.addEventListener("turbo:load", this.#redraw);
+    this.element.addEventListener("mouseleave", this.#clearSegmentHover);
+  }
+
+  disconnect() {
+    this.#teardown();
+    document.removeEventListener("turbo:load", this.#redraw);
+    this.element.removeEventListener("mouseleave", this.#clearSegmentHover);
+  }
+
+  get #data() {
+    const totalPieValue = this.segmentsValue.reduce(
+      (acc, s) => acc + Number(s.amount),
+      0,
+    );
+
+    // Overage is always first segment, unused is always last segment
+    return this.segmentsValue
+      .filter((s) => s.amount > 0)
+      .map((s) => ({
+        ...s,
+        amount: Math.max(
+          Number(s.amount),
+          totalPieValue * this.#minSegmentAngle,
+        ),
+      }))
+      .sort((a, b) => {
+        if (a.id === this.overageSegmentIdValue) return -1;
+        if (b.id === this.overageSegmentIdValue) return 1;
+        if (a.id === this.unusedSegmentIdValue) return 1;
+        if (b.id === this.unusedSegmentIdValue) return -1;
+        return b.amount - a.amount;
+      });
+  }
+
+  #redraw = () => {
+    this.#teardown();
+    this.#draw();
+  };
+
+  #teardown() {
+    d3.select(this.chartContainerTarget).selectAll("*").remove();
+  }
+
+  #draw() {
+    const svg = d3
+      .select(this.chartContainerTarget)
+      .append("svg")
+      .attr("viewBox", `0 0 ${this.#viewBoxSize} ${this.#viewBoxSize}`) // Square aspect ratio
+      .attr("preserveAspectRatio", "xMidYMid meet")
+      .attr("class", "w-full h-full");
+
+    const pie = d3
+      .pie()
+      .sortValues(null) // Preserve order of segments
+      .value((d) => d.amount);
+
+    const mainArc = d3
+      .arc()
+      .innerRadius(this.#viewBoxSize / 2 - this.segmentHeightValue)
+      .outerRadius(this.#viewBoxSize / 2)
+      .cornerRadius(this.segmentHeightValue)
+      .padAngle(this.#minSegmentAngle);
+
+    const segmentArcs = svg
+      .append("g")
+      .attr(
+        "transform",
+        `translate(${this.#viewBoxSize / 2}, ${this.#viewBoxSize / 2})`,
+      )
+      .selectAll("arc")
+      .data(pie(this.#data))
+      .enter()
+      .append("g")
+      .attr("class", "arc pointer-events-auto")
+      .append("path")
+      .attr("data-segment-id", (d) => d.data.id)
+      .attr("data-original-color", this.#transformRingColor)
+      .attr("fill", this.#transformRingColor)
+      .attr("d", mainArc);
+
+    // Ensures that user can click on default content without triggering hover on a segment if that is their intent
+    let hoverTimeout = null;
+
+    segmentArcs
+      .on("mouseover", (event) => {
+        hoverTimeout = setTimeout(() => {
+          this.#clearSegmentHover();
+          this.#handleSegmentHover(event);
+        }, 150);
+      })
+      .on("mouseleave", () => {
+        clearTimeout(hoverTimeout);
+      });
+  }
+
+  #transformRingColor = ({ data: { id, color } }) => {
+    if (id === this.unusedSegmentIdValue || id === this.overageSegmentIdValue) {
+      return color;
+    }
+
+    const reducedOpacityColor = d3.color(color);
+    reducedOpacityColor.opacity = this.segmentOpacityValue;
+    return reducedOpacityColor;
+  };
+
+  // Highlights segment and shows segment specific content (all other segments are grayed out)
+  #handleSegmentHover(event) {
+    const segmentId = event.target.dataset.segmentId;
+    const template = this.element.querySelector(`#segment_${segmentId}`);
+    const unusedSegmentId = this.unusedSegmentIdValue;
+
+    if (!template) return;
+
+    d3.select(this.chartContainerTarget)
+      .selectAll("path")
+      .attr("fill", function () {
+        if (this.dataset.segmentId === segmentId) {
+          if (this.dataset.segmentId === unusedSegmentId) {
+            return "#A3A3A3";
+          }
+
+          return this.dataset.originalColor;
+        }
+
+        return "#F0F0F0";
+      });
+
+    this.defaultContentTarget.classList.add("hidden");
+    template.classList.remove("hidden");
+  }
+
+  // Restores original segment colors and hides segment specific content
+  #clearSegmentHover = () => {
+    this.defaultContentTarget.classList.remove("hidden");
+
+    d3.select(this.chartContainerTarget)
+      .selectAll("path")
+      .attr("fill", function () {
+        return this.dataset.originalColor;
+      });
+
+    for (const child of this.contentContainerTarget.children) {
+      if (child !== this.defaultContentTarget) {
+        child.classList.add("hidden");
+      }
+    }
+  };
+}

app/javascript/controllers/modal_controller.js

@@ -2,6 +2,10 @@ import { Controller } from "@hotwired/stimulus";
 
 // Connects to data-controller="modal"
 export default class extends Controller {
+  static values = {
+    reloadOnClose: { type: Boolean, default: false },
+  };
+
   connect() {
     if (this.element.open) return;
     this.element.showModal();
@@ -10,11 +14,15 @@ export default class extends Controller {
   // Hide the dialog when the user clicks outside of it
   clickOutside(e) {
     if (e.target === this.element) {
-      this.element.close();
+      this.close();
     }
   }
 
   close() {
     this.element.close();
+
+    if (this.reloadOnCloseValue) {
+      window.location.reload();
+    }
   }
 }

app/javascript/controllers/plaid_controller.js

@@ -0,0 +1,54 @@
+import { Controller } from "@hotwired/stimulus";
+
+// Connects to data-controller="plaid"
+export default class extends Controller {
+  static values = {
+    linkToken: String,
+  };
+
+  open() {
+    const handler = Plaid.create({
+      token: this.linkTokenValue,
+      onSuccess: this.handleSuccess,
+      onLoad: this.handleLoad,
+      onExit: this.handleExit,
+      onEvent: this.handleEvent,
+    });
+
+    handler.open();
+  }
+
+  handleSuccess(public_token, metadata) {
+    window.location.href = "/accounts";
+
+    fetch("/plaid_items", {
+      method: "POST",
+      headers: {
+        "Content-Type": "application/json",
+        "X-CSRF-Token": document.querySelector('[name="csrf-token"]').content,
+      },
+      body: JSON.stringify({
+        plaid_item: {
+          public_token: public_token,
+          metadata: metadata,
+        },
+      }),
+    }).then((response) => {
+      if (response.redirected) {
+        window.location.href = response.url;
+      }
+    });
+  }
+
+  handleExit(err, metadata) {
+    // no-op
+  }
+
+  handleEvent(eventName, metadata) {
+    // no-op
+  }
+
+  handleLoad() {
+    // no-op
+  }
+}

app/javascript/controllers/time_series_chart_controller.js

@@ -51,17 +51,12 @@ export default class extends Controller {
   _normalizeDataPoints() {
     this._normalDataPoints = (this.dataValue.values || []).map((d) => ({
       ...d,
-      date: this._parseDate(d.date),
+      date: new Date(`${d.date}T00:00:00Z`),
       value: d.value.amount ? +d.value.amount : +d.value,
       currency: d.value.currency,
     }));
   }
 
-  _parseDate(dateString) {
-    const [year, month, day] = dateString.split("-").map(Number);
-    return new Date(year, month - 1, day);
-  }
-
   _rememberInitialContainerSize() {
     this._d3InitialContainerWidth = this._d3Container.node().clientWidth;
     this._d3InitialContainerHeight = this._d3Container.node().clientHeight;
@@ -188,7 +183,7 @@ export default class extends Controller {
             this._normalDataPoints[this._normalDataPoints.length - 1].date,
           ])
           .tickSize(0)
-          .tickFormat(d3.timeFormat("%d %b %Y")),
+          .tickFormat(d3.utcFormat("%d %b %Y")),
       )
       .select(".domain")
       .remove();
@@ -367,7 +362,7 @@ export default class extends Controller {
   _tooltipTemplate(datum) {
     return `
       <div style="margin-bottom: 4px; color: ${tailwindColors.gray[500]};">
-        ${d3.timeFormat("%b %d, %Y")(datum.date)}
+        ${d3.utcFormat("%b %d, %Y")(datum.date)}
       </div>
 
       <div style="display: flex; align-items: center; gap: 16px;">
@@ -404,8 +399,14 @@ export default class extends Controller {
 
   _tooltipTrendColor(datum) {
     return {
-      up: tailwindColors.success,
-      down: tailwindColors.error,
+      up:
+        datum.trend.favorable_direction === "up"
+          ? tailwindColors.success
+          : tailwindColors.error,
+      down:
+        datum.trend.favorable_direction === "down"
+          ? tailwindColors.success
+          : tailwindColors.error,
       flat: tailwindColors.gray[500],
     }[datum.trend.direction];
   }

app/javascript/controllers/trade_form_controller.js

@@ -1,71 +1,11 @@
 import { Controller } from "@hotwired/stimulus";
 
-const TRADE_TYPES = {
-  BUY: "buy",
-  SELL: "sell",
-  TRANSFER_IN: "transfer_in",
-  TRANSFER_OUT: "transfer_out",
-  INTEREST: "interest",
-};
-
-const FIELD_VISIBILITY = {
-  [TRADE_TYPES.BUY]: { ticker: true, qty: true, price: true },
-  [TRADE_TYPES.SELL]: { ticker: true, qty: true, price: true },
-  [TRADE_TYPES.TRANSFER_IN]: { amount: true, transferAccount: true },
-  [TRADE_TYPES.TRANSFER_OUT]: { amount: true, transferAccount: true },
-  [TRADE_TYPES.INTEREST]: { amount: true },
-};
-
 // Connects to data-controller="trade-form"
 export default class extends Controller {
-  static targets = [
-    "typeInput",
-    "tickerInput",
-    "amountInput",
-    "transferAccountInput",
-    "qtyInput",
-    "priceInput",
-  ];
-
-  connect() {
-    this.handleTypeChange = this.handleTypeChange.bind(this);
-    this.typeInputTarget.addEventListener("change", this.handleTypeChange);
-    this.updateFields(this.typeInputTarget.value || TRADE_TYPES.BUY);
-  }
-
-  disconnect() {
-    this.typeInputTarget.removeEventListener("change", this.handleTypeChange);
-  }
-
-  handleTypeChange(event) {
-    this.updateFields(event.target.value);
-  }
-
-  updateFields(type) {
-    const visibleFields = FIELD_VISIBILITY[type] || {};
-
-    Object.entries(this.fieldTargets).forEach(([field, target]) => {
-      const isVisible = visibleFields[field] || false;
-
-      // Update visibility
-      target.hidden = !isVisible;
-
-      // Update required status based on visibility
-      if (isVisible) {
-        target.setAttribute("required", "");
-      } else {
-        target.removeAttribute("required");
-      }
-    });
-  }
-
-  get fieldTargets() {
-    return {
-      ticker: this.tickerInputTarget,
-      amount: this.amountInputTarget,
-      transferAccount: this.transferAccountInputTarget,
-      qty: this.qtyInputTarget,
-      price: this.priceInputTarget,
-    };
+  // Reloads the page with a new type without closing the modal
+  async changeType(event) {
+    const url = new URL(event.params.url, window.location.origin);
+    url.searchParams.set(event.params.key, event.target.value);
+    Turbo.visit(url, { frame: "modal" });
   }
 }

app/javascript/controllers/transfer_match_controller.js

@@ -0,0 +1,16 @@
+import { Controller } from "@hotwired/stimulus";
+
+// Connects to data-controller="transfer-match"
+export default class extends Controller {
+  static targets = ["newSelect", "existingSelect"];
+
+  update(event) {
+    if (event.target.value === "new") {
+      this.newSelectTarget.classList.remove("hidden");
+      this.existingSelectTarget.classList.add("hidden");
+    } else {
+      this.newSelectTarget.classList.add("hidden");
+      this.existingSelectTarget.classList.remove("hidden");
+    }
+  }
+}

app/jobs/account_sync_job.rb

@@ -1,7 +0,0 @@
-class AccountSyncJob < ApplicationJob
-  queue_as :default
-
-  def perform(account, start_date: nil)
-    account.sync(start_date: start_date)
-  end
-end

app/jobs/destroy_job.rb

@@ -0,0 +1,7 @@
+class DestroyJob < ApplicationJob
+  queue_as :default
+
+  def perform(model)
+    model.destroy
+  end
+end

app/jobs/enrich_data_job.rb

@@ -0,0 +1,7 @@
+class EnrichDataJob < ApplicationJob
+  queue_as :default
+
+  def perform(account)
+    account.enrich_data
+  end
+end

app/jobs/sync_job.rb

@@ -0,0 +1,7 @@
+class SyncJob < ApplicationJob
+  queue_as :default
+
+  def perform(sync)
+    sync.perform
+  end
+end

app/models/account.rb

@@ -4,28 +4,27 @@ class Account < ApplicationRecord
   validates :name, :balance, :currency, presence: true
 
   belongs_to :family
-  belongs_to :institution, optional: true
   belongs_to :import, optional: true
+  belongs_to :plaid_account, optional: true
 
   has_many :import_mappings, as: :mappable, dependent: :destroy, class_name: "Import::Mapping"
   has_many :entries, dependent: :destroy, class_name: "Account::Entry"
   has_many :transactions, through: :entries, source: :entryable, source_type: "Account::Transaction"
   has_many :valuations, through: :entries, source: :entryable, source_type: "Account::Valuation"
   has_many :trades, through: :entries, source: :entryable, source_type: "Account::Trade"
-  has_many :holdings, dependent: :destroy
+  has_many :holdings, dependent: :destroy, class_name: "Account::Holding"
   has_many :balances, dependent: :destroy
-  has_many :syncs, dependent: :destroy
   has_many :issues, as: :issuable, dependent: :destroy
 
-  monetize :balance
+  monetize :balance, :cash_balance
 
   enum :classification, { asset: "asset", liability: "liability" }, validate: { allow_nil: true }
 
-  scope :active, -> { where(is_active: true) }
+  scope :active, -> { where(is_active: true, scheduled_for_deletion: false) }
   scope :assets, -> { where(classification: "asset") }
   scope :liabilities, -> { where(classification: "liability") }
   scope :alphabetically, -> { order(:name) }
-  scope :ungrouped, -> { where(institution_id: nil) }
+  scope :manual, -> { where(plaid_account_id: nil) }
 
   has_one_attached :logo
 
@@ -33,8 +32,6 @@ class Account < ApplicationRecord
 
   accepts_nested_attributes_for :accountable, update_only: true
 
-  delegate :value, :series, to: :accountable
-
   class << self
     def by_group(period: Period.all, currency: Money.default_currency.iso_code)
       grouped_accounts = { assets: ValueGroup.new("Assets", currency), liabilities: ValueGroup.new("Liabilities", currency) }
@@ -60,7 +57,7 @@ class Account < ApplicationRecord
 
     def create_and_sync(attributes)
       attributes[:accountable_attributes] ||= {} # Ensure accountable is created, even if empty
-      account = new(attributes)
+      account = new(attributes.merge(cash_balance: attributes[:balance]))
 
       transaction do
         # Create 2 valuations for new accounts to establish a value history for users to see
@@ -87,22 +84,56 @@ class Account < ApplicationRecord
     end
   end
 
+  def destroy_later
+    update!(scheduled_for_deletion: true)
+    DestroyJob.perform_later(self)
+  end
+
+  def sync_data(start_date: nil)
+    update!(last_synced_at: Time.current)
+
+    Syncer.new(self, start_date: start_date).run
+  end
+
+  def post_sync
+    broadcast_remove_to(family, target: "syncing-notice")
+    resolve_stale_issues
+    accountable.post_sync
+  end
+
+  def series(period: Period.last_30_days, currency: nil)
+    balance_series = balances.in_period(period).where(currency: currency || self.currency)
+
+    if balance_series.empty? && period.date_range.end == Date.current
+      TimeSeries.new([ { date: Date.current, value: balance_money.exchange_to(currency || self.currency) } ])
+    else
+      TimeSeries.from_collection(balance_series, :balance_money, favorable_direction: asset? ? "up" : "down")
+    end
+  rescue Money::ConversionError
+    TimeSeries.new([])
+  end
+
   def original_balance
     balance_amount = balances.chronological.first&.balance || balance
     Money.new(balance_amount, currency)
   end
 
-  def owns_ticker?(ticker)
-    security_id = Security.find_by(ticker: ticker)&.id
-    entries.account_trades
-           .joins("JOIN account_trades ON account_entries.entryable_id = account_trades.id")
-           .where(account_trades: { security_id: security_id }).any?
+  def current_holdings
+    holdings.where(currency: currency, date: holdings.maximum(:date)).order(amount: :desc)
   end
 
   def favorable_direction
     classification == "asset" ? "up" : "down"
   end
 
+  def enrich_data
+    DataEnricher.new(self).run
+  end
+
+  def enrich_data_later
+    EnrichDataJob.perform_later(self)
+  end
+
   def update_with_sync!(attributes)
     transaction do
       update!(attributes)
@@ -120,17 +151,10 @@ class Account < ApplicationRecord
     else
       entries.create! \
         date: Date.current,
+        name: "Balance update",
         amount: balance,
         currency: currency,
         entryable: Account::Valuation.new
     end
   end
-
-  def holding_qty(security, date: Date.current)
-    entries.account_trades
-           .joins("JOIN account_trades ON account_entries.entryable_id = account_trades.id")
-           .where(account_trades: { security_id: security.id })
-           .where("account_entries.date <= ?", date)
-           .sum("account_trades.qty")
-  end
 end

app/models/account/balance/calculator.rb

@@ -1,57 +0,0 @@
-class Account::Balance::Calculator
-  def initialize(account, sync_start_date)
-    @account = account
-    @sync_start_date = sync_start_date
-  end
-
-  def calculate(is_partial_sync: false)
-    cached_entries = account.entries.where("date >= ?", sync_start_date).to_a
-    sync_starting_balance = is_partial_sync ? find_start_balance_for_partial_sync : find_start_balance_for_full_sync(cached_entries)
-
-    prior_balance = sync_starting_balance
-
-    (sync_start_date..Date.current).map do |date|
-      current_balance = calculate_balance_for_date(date, entries: cached_entries, prior_balance:)
-
-      prior_balance = current_balance
-
-      build_balance(date, current_balance)
-    end
-  end
-
-  private
-    attr_reader :account, :sync_start_date
-
-    def find_start_balance_for_partial_sync
-      account.balances.find_by(currency: account.currency, date: sync_start_date - 1.day)&.balance
-    end
-
-    def find_start_balance_for_full_sync(cached_entries)
-      account.balance + net_entry_flows(cached_entries.select { |e| e.account_transaction? })
-    end
-
-    def calculate_balance_for_date(date, entries:, prior_balance:)
-      valuation = entries.find { |e| e.date == date && e.account_valuation? }
-
-      return valuation.amount if valuation
-
-      entries = entries.select { |e| e.date == date }
-
-      prior_balance - net_entry_flows(entries)
-    end
-
-    def net_entry_flows(entries, target_currency = account.currency)
-      converted_entry_amounts = entries.map { |t| t.amount_money.exchange_to(target_currency, date: t.date) }
-
-      flows = converted_entry_amounts.sum(&:amount)
-
-      account.liability? ? flows * -1 : flows
-    end
-
-    def build_balance(date, balance, currency = nil)
-      account.balances.build \
-        date: date,
-        balance: balance,
-        currency: currency || account.currency
-    end
-end

app/models/account/balance/converter.rb

@@ -1,46 +0,0 @@
-class Account::Balance::Converter
-  def initialize(account, sync_start_date)
-    @account = account
-    @sync_start_date = sync_start_date
-  end
-
-  def convert(balances)
-    calculate_converted_balances(balances)
-  end
-
-  private
-    attr_reader :account, :sync_start_date
-
-    def calculate_converted_balances(balances)
-      from_currency = account.currency
-      to_currency = account.family.currency
-
-      if ExchangeRate.exchange_rates_provider.nil?
-        account.observe_missing_exchange_rate_provider
-        return []
-      end
-
-      exchange_rates = ExchangeRate.find_rates from: from_currency,
-                                               to: to_currency,
-                                               start_date: sync_start_date
-
-      missing_exchange_rates = balances.map(&:date) - exchange_rates.map(&:date)
-
-      if missing_exchange_rates.any?
-        account.observe_missing_exchange_rates(from: from_currency, to: to_currency, dates: missing_exchange_rates)
-        return []
-      end
-
-      balances.map do |balance|
-        exchange_rate = exchange_rates.find { |er| er.date == balance.date }
-        build_balance(balance.date, exchange_rate.rate * balance.balance, to_currency)
-      end
-    end
-
-    def build_balance(date, balance, currency = nil)
-      account.balances.build \
-        date: date,
-        balance: balance,
-        currency: currency || account.currency
-    end
-end

app/models/account/balance/loader.rb

@@ -1,37 +0,0 @@
-class Account::Balance::Loader
-  def initialize(account)
-    @account = account
-  end
-
-  def load(balances, start_date)
-    Account::Balance.transaction do
-      upsert_balances!(balances)
-      purge_stale_balances!(start_date)
-
-      account.reload
-
-      update_account_balance!(balances)
-    end
-  end
-
-  private
-    attr_reader :account
-
-    def update_account_balance!(balances)
-      last_balance = balances.select { |db| db.currency == account.currency }.last&.balance
-      account.update! balance: last_balance if last_balance.present?
-    end
-
-    def upsert_balances!(balances)
-      current_time = Time.now
-      balances_to_upsert = balances.map do |balance|
-        balance.attributes.slice("date", "balance", "currency").merge("updated_at" => current_time)
-      end
-
-      account.balances.upsert_all(balances_to_upsert, unique_by: %i[account_id date currency])
-    end
-
-    def purge_stale_balances!(start_date)
-      account.balances.delete_by("date < ?", start_date)
-    end
-end

app/models/account/balance/syncer.rb

@@ -1,51 +0,0 @@
-class Account::Balance::Syncer
-  def initialize(account, start_date: nil)
-    @account = account
-    @provided_start_date = start_date
-    @sync_start_date = calculate_sync_start_date(start_date)
-    @loader = Account::Balance::Loader.new(account)
-    @converter = Account::Balance::Converter.new(account, sync_start_date)
-    @calculator = Account::Balance::Calculator.new(account, sync_start_date)
-  end
-
-  def run
-    daily_balances = calculator.calculate(is_partial_sync: is_partial_sync?)
-    daily_balances += converter.convert(daily_balances) if account.currency != account.family.currency
-
-    loader.load(daily_balances, account_start_date)
-  rescue Money::ConversionError => e
-    account.observe_missing_exchange_rates(from: e.from_currency, to: e.to_currency, dates: [ e.date ])
-  end
-
-  private
-
-    attr_reader :sync_start_date, :provided_start_date, :account, :loader, :converter, :calculator
-
-    def account_start_date
-      @account_start_date ||= begin
-                                oldest_entry = account.entries.chronological.first
-
-                                return Date.current unless oldest_entry.present?
-
-                                if oldest_entry.account_valuation?
-                                  oldest_entry.date
-                                else
-                                  oldest_entry.date - 1.day
-                                end
-                              end
-    end
-
-    def calculate_sync_start_date(provided_start_date)
-      return provided_start_date if provided_start_date.present? && prior_balance_available?(provided_start_date)
-
-      account_start_date
-    end
-
-    def prior_balance_available?(date)
-      account.balances.find_by(currency: account.currency, date: date - 1.day).present?
-    end
-
-    def is_partial_sync?
-      sync_start_date == provided_start_date && sync_start_date < Date.current
-    end
-end

app/models/account/balance_calculator.rb

@@ -0,0 +1,121 @@
+class Account::BalanceCalculator
+  def initialize(account, holdings: nil)
+    @account = account
+    @holdings = holdings || []
+  end
+
+  def calculate(reverse: false, start_date: nil)
+    cash_balances = reverse ? reverse_cash_balances : forward_cash_balances
+
+    cash_balances.map do |balance|
+      holdings_value = converted_holdings.select { |h| h.date == balance.date }.sum(&:amount)
+      balance.balance = balance.balance + holdings_value
+      balance
+    end
+  end
+
+  private
+    attr_reader :account, :holdings
+
+    def oldest_date
+      converted_entries.first ? converted_entries.first.date - 1.day : Date.current
+    end
+
+    def reverse_cash_balances
+      prior_balance = account.cash_balance
+
+      Date.current.downto(oldest_date).map do |date|
+        entries_for_date = converted_entries.select { |e| e.date == date }
+        holdings_for_date = converted_holdings.select { |h| h.date == date }
+
+        valuation = entries_for_date.find { |e| e.account_valuation? }
+
+        current_balance = if valuation
+          # To get this to a cash valuation, we back out holdings value on day
+          valuation.amount - holdings_for_date.sum(&:amount)
+        else
+          transactions = entries_for_date.select { |e| e.account_transaction? || e.account_trade? }
+
+          calculate_balance(prior_balance, transactions)
+        end
+
+        balance_record = Account::Balance.new(
+          account: account,
+          date: date,
+          balance: valuation ? current_balance : prior_balance,
+          cash_balance: valuation ? current_balance : prior_balance,
+          currency: account.currency
+        )
+
+        prior_balance = current_balance
+
+        balance_record
+      end
+    end
+
+    def forward_cash_balances
+      prior_balance = 0
+      current_balance = nil
+
+      oldest_date.upto(Date.current).map do |date|
+        entries_for_date = converted_entries.select { |e| e.date == date }
+        holdings_for_date = converted_holdings.select { |h| h.date == date }
+
+        valuation = entries_for_date.find { |e| e.account_valuation? }
+
+        current_balance = if valuation
+          # To get this to a cash valuation, we back out holdings value on day
+          valuation.amount - holdings_for_date.sum(&:amount)
+        else
+          transactions = entries_for_date.select { |e| e.account_transaction? || e.account_trade? }
+
+          calculate_balance(prior_balance, transactions, inverse: true)
+        end
+
+        balance_record = Account::Balance.new(
+          account: account,
+          date: date,
+          balance: current_balance,
+          cash_balance: current_balance,
+          currency: account.currency
+        )
+
+        prior_balance = current_balance
+
+        balance_record
+      end
+    end
+
+    def converted_entries
+      @converted_entries ||= @account.entries.order(:date).to_a.map do |e|
+        converted_entry = e.dup
+        converted_entry.amount = converted_entry.amount_money.exchange_to(
+          account.currency,
+          date: e.date,
+          fallback_rate: 1
+        ).amount
+        converted_entry.currency = account.currency
+        converted_entry
+      end
+    end
+
+    def converted_holdings
+      @converted_holdings ||= holdings.map do |h|
+        converted_holding = h.dup
+        converted_holding.amount = converted_holding.amount_money.exchange_to(
+          account.currency,
+          date: h.date,
+          fallback_rate: 1
+        ).amount
+        converted_holding.currency = account.currency
+        converted_holding
+      end
+    end
+
+    def calculate_balance(prior_balance, transactions, inverse: false)
+      flows = transactions.sum(&:amount)
+      negated = inverse ? account.asset? : account.liability?
+      flows *= -1 if negated
+      prior_balance + flows
+    end
+end

app/models/account/balance_trend_calculator.rb

@@ -0,0 +1,94 @@
+# The current system calculates a single, end-of-day balance every day for each account for simplicity.
+# In most cases, this is sufficient.  However, for the "Activity View", we need to show intraday balances
+# to show users how each entry affects their balances.  This class calculates intraday balances by
+# interpolating between end-of-day balances.
+class Account::BalanceTrendCalculator
+  BalanceTrend = Struct.new(:trend, :cash, keyword_init: true)
+
+  class << self
+    def for(entries)
+      return nil if entries.blank?
+
+      account = entries.first.account
+
+      date_range = entries.minmax_by(&:date)
+      min_entry_date, max_entry_date = date_range.map(&:date)
+
+      # In case view is filtered and there are entry gaps, refetch all entries in range
+      all_entries = account.entries.where(date: min_entry_date..max_entry_date).chronological.to_a
+      balances = account.balances.where(date: (min_entry_date - 1.day)..max_entry_date).chronological.to_a
+      holdings = account.holdings.where(date: (min_entry_date - 1.day)..max_entry_date).to_a
+
+      new(all_entries, balances, holdings)
+    end
+  end
+
+  def initialize(entries, balances, holdings)
+    @entries = entries
+    @balances = balances
+    @holdings = holdings
+  end
+
+  def trend_for(entry)
+    intraday_balance = nil
+    intraday_cash_balance = nil
+
+    start_of_day_balance = balances.find { |b| b.date == entry.date - 1.day && b.currency == entry.currency }
+    end_of_day_balance = balances.find { |b| b.date == entry.date && b.currency == entry.currency }
+
+    return BalanceTrend.new(trend: nil) if start_of_day_balance.blank? || end_of_day_balance.blank?
+
+    todays_holdings_value = holdings.select { |h| h.date == entry.date }.sum(&:amount)
+
+    prior_balance = start_of_day_balance.balance
+    prior_cash_balance = start_of_day_balance.cash_balance
+    current_balance = nil
+    current_cash_balance = nil
+
+    todays_entries = entries.select { |e| e.date == entry.date }
+
+    todays_entries.each_with_index do |e, idx|
+      if e.account_valuation?
+        current_balance = e.amount
+        current_cash_balance = e.amount
+      else
+        multiplier = e.account.liability? ? 1 : -1
+        balance_change = e.account_trade? ? 0 : multiplier * e.amount
+        cash_change = multiplier * e.amount
+
+        current_balance = prior_balance + balance_change
+        current_cash_balance = prior_cash_balance + cash_change
+      end
+
+      if e.id == entry.id
+        # Final entry should always match the end-of-day balances
+        if idx == todays_entries.size - 1
+          intraday_balance = end_of_day_balance.balance
+          intraday_cash_balance = end_of_day_balance.cash_balance
+        else
+          intraday_balance = current_balance
+          intraday_cash_balance = current_cash_balance
+        end
+
+        break
+      else
+        prior_balance = current_balance
+        prior_cash_balance = current_cash_balance
+      end
+    end
+
+    return BalanceTrend.new(trend: nil) unless intraday_balance.present?
+
+    BalanceTrend.new(
+      trend: TimeSeries::Trend.new(
+        current: Money.new(intraday_balance, entry.currency),
+        previous: Money.new(prior_balance, entry.currency),
+        favorable_direction: entry.account.favorable_direction
+      ),
+      cash: Money.new(intraday_cash_balance, entry.currency),
+    )
+  end
+
+  private
+    attr_reader :entries, :balances, :holdings
+end

app/models/account/data_enricher.rb

@@ -0,0 +1,56 @@
+class Account::DataEnricher
+  include Providable
+
+  attr_reader :account
+
+  def initialize(account)
+    @account = account
+  end
+
+  def run
+    enrich_transactions
+  end
+
+  private
+    def enrich_transactions
+      candidates = account.entries.account_transactions.includes(entryable: [ :merchant, :category ])
+
+      Rails.logger.info("Enriching #{candidates.count} transactions for account #{account.id}")
+
+      merchants = {}
+
+      candidates.each do |entry|
+        if entry.enriched_at.nil? || entry.entryable.merchant_id.nil? || entry.entryable.category_id.nil?
+          begin
+            next unless entry.name.present?
+
+            info = self.class.synth_provider.enrich_transaction(entry.name).info
+
+            next unless info.present?
+
+            if info.name.present?
+              merchant = merchants[info.name] ||= account.family.merchants.find_or_create_by(name: info.name)
+
+              if info.icon_url.present?
+                merchant.icon_url = info.icon_url
+              end
+            end
+
+            entryable_attributes = { id: entry.entryable_id }
+            entryable_attributes[:merchant_id] = merchant.id if merchant.present? && entry.entryable.merchant_id.nil?
+
+            Account.transaction do
+              merchant.save! if merchant.present?
+              entry.update!(
+                enriched_at: Time.current,
+                enriched_name: info.name,
+                entryable_attributes: entryable_attributes
+              )
+            end
+          rescue => e
+            Rails.logger.warn("Error enriching transaction #{entry.id}: #{e.message}")
+          end
+        end
+      end
+    end
+end

app/models/account/entry.rb

@@ -10,13 +10,44 @@ class Account::Entry < ApplicationRecord
   delegated_type :entryable, types: Account::Entryable::TYPES, dependent: :destroy
   accepts_nested_attributes_for :entryable
 
-  validates :date, :amount, :currency, presence: true
+  validates :date, :name, :amount, :currency, presence: true
   validates :date, uniqueness: { scope: [ :account_id, :entryable_type ] }, if: -> { account_valuation? }
   validates :date, comparison: { greater_than: -> { min_supported_date } }
 
-  scope :chronological, -> { order(:date, :created_at) }
-  scope :reverse_chronological, -> { order(date: :desc, created_at: :desc) }
-  scope :without_transfers, -> { where(marked_as_transfer: false) }
+  scope :chronological, -> {
+    order(
+      date: :asc,
+      Arel.sql("CASE WHEN account_entries.entryable_type = 'Account::Valuation' THEN 1 ELSE 0 END") => :asc,
+      created_at: :asc
+    )
+  }
+
+  scope :reverse_chronological, -> {
+    order(
+      date: :desc,
+      Arel.sql("CASE WHEN account_entries.entryable_type = 'Account::Valuation' THEN 1 ELSE 0 END") => :desc,
+      created_at: :desc
+    )
+  }
+
+  # All non-transfer entries, rejected transfers, and the outflow of a loan payment transfer are incomes/expenses
+  scope :incomes_and_expenses, -> {
+    joins("INNER JOIN account_transactions ON account_transactions.id = account_entries.entryable_id AND account_entries.entryable_type = 'Account::Transaction'")
+    .joins("LEFT JOIN transfers ON transfers.inflow_transaction_id = account_transactions.id OR transfers.outflow_transaction_id = account_transactions.id")
+    .joins("LEFT JOIN account_transactions inflow_txns ON inflow_txns.id = transfers.inflow_transaction_id")
+    .joins("LEFT JOIN account_entries inflow_entries ON inflow_entries.entryable_id = inflow_txns.id AND inflow_entries.entryable_type = 'Account::Transaction'")
+    .joins("LEFT JOIN accounts inflow_accounts ON inflow_accounts.id = inflow_entries.account_id")
+    .where("transfers.id IS NULL OR transfers.status = 'rejected' OR (account_entries.amount > 0 AND inflow_accounts.accountable_type = 'Loan')")
+  }
+
+  scope :incomes, -> {
+    incomes_and_expenses.where("account_entries.amount <= 0")
+  }
+
+  scope :expenses, -> {
+    incomes_and_expenses.where("account_entries.amount > 0")
+  }
+
   scope :with_converted_amount, ->(currency) {
     # Join with exchange rates to convert the amount to the given currency
     # If no rate is available, exclude the transaction from the results
@@ -29,65 +60,39 @@ class Account::Entry < ApplicationRecord
   }
 
   def sync_account_later
-    if destroyed?
-      sync_start_date = previous_entry&.date
-    else
-      sync_start_date = [ date_previously_was, date ].compact.min
-    end
-
+    sync_start_date = [ date_previously_was, date ].compact.min unless destroyed?
     account.sync_later(start_date: sync_start_date)
   end
 
-  def inflow?
-    amount <= 0 && account_transaction?
-  end
-
-  def outflow?
-    amount > 0 && account_transaction?
-  end
-
   def entryable_name_short
     entryable_type.demodulize.underscore
   end
 
-  def prior_balance
-    account.balances.find_by(date: date - 1)&.balance || 0
+  def balance_trend(entries, balances)
+    Account::BalanceTrendCalculator.new(self, entries, balances).trend
   end
 
-  def balance_after_entry
-    if account_valuation?
-      Money.new(amount, currency)
-    else
-      new_balance = prior_balance
-      entries_on_entry_date.each do |e|
-        next if e.account_valuation?
-
-        change = e.amount
-        change = account.liability? ? change : -change
-        new_balance += change
-        break if e == self
-      end
-
-      Money.new(new_balance, currency)
-    end
+  def display_name
+    enriched_name.presence || name
   end
 
-  def trend
-    TimeSeries::Trend.new(
-      current: balance_after_entry,
-      previous: Money.new(prior_balance, currency),
-      favorable_direction: account.favorable_direction
-    )
-  end
-
-  def entries_on_entry_date
-    account.entries.where(date: date).order(created_at: :asc)
+  def transfer_match_candidates
+    account.family.entries
+          .where.not(account_id: account_id)
+          .where.not(id: id)
+          .where(amount: -amount)
+          .where(currency: currency)
+          .where(date: (date - 4.days)..(date + 4.days))
   end
 
   class << self
+    def search(params)
+      Account::EntrySearch.new(params).build_query(all)
+    end
+
     # arbitrary cutoff date to avoid expensive sync operations
     def min_supported_date
-      20.years.ago.to_date
+      30.years.ago.to_date
     end
 
     def daily_totals(entries, currency, period: Period.last_30_days)
@@ -119,13 +124,6 @@ class Account::Entry < ApplicationRecord
       select("*").from(rolling_totals).where("date >= ?", period.date_range.first)
     end
 
-    def mark_transfers!
-      update_all marked_as_transfer: true
-
-      # Attempt to "auto match" and save a transfer if 2 transactions selected
-      Account::Transfer.new(entries: all).save if all.count == 2
-    end
-
     def bulk_update!(bulk_update_params)
       bulk_attributes = {
         date: bulk_update_params[:date],
@@ -148,92 +146,20 @@ class Account::Entry < ApplicationRecord
       all.size
     end
 
-    def income_total(currency = "USD")
-      total = without_transfers.account_transactions.includes(:entryable)
-        .where("account_entries.amount <= 0")
+    def income_total(currency = "USD", start_date: nil, end_date: nil)
+      total = incomes.where(date: start_date..end_date)
                        .map { |e| e.amount_money.exchange_to(currency, date: e.date, fallback_rate: 0) }
                        .sum
 
       Money.new(total, currency)
     end
 
-    def expense_total(currency = "USD")
-      total = without_transfers.account_transactions.includes(:entryable)
-                       .where("account_entries.amount > 0")
+    def expense_total(currency = "USD", start_date: nil, end_date: nil)
+      total = expenses.where(date: start_date..end_date)
                        .map { |e| e.amount_money.exchange_to(currency, date: e.date, fallback_rate: 0) }
                        .sum
 
       Money.new(total, currency)
     end
-
-    def search(params)
-      query = all
-      query = query.where("account_entries.name ILIKE ?", "%#{sanitize_sql_like(params[:search])}%") if params[:search].present?
-      query = query.where("account_entries.date >= ?", params[:start_date]) if params[:start_date].present?
-      query = query.where("account_entries.date <= ?", params[:end_date]) if params[:end_date].present?
-
-      if params[:types].present?
-        query = query.where(marked_as_transfer: false) unless params[:types].include?("transfer")
-
-        if params[:types].include?("income") && !params[:types].include?("expense")
-          query = query.where("account_entries.amount < 0")
-        elsif params[:types].include?("expense") && !params[:types].include?("income")
-          query = query.where("account_entries.amount >= 0")
-        end
-      end
-
-      if params[:amount].present? && params[:amount_operator].present?
-        case params[:amount_operator]
-        when "equal"
-          query = query.where("ABS(ABS(account_entries.amount) - ?) <= 0.01", params[:amount].to_f.abs)
-        when "less"
-          query = query.where("ABS(account_entries.amount) < ?", params[:amount].to_f.abs)
-        when "greater"
-          query = query.where("ABS(account_entries.amount) > ?", params[:amount].to_f.abs)
-        end
-      end
-
-      if params[:accounts].present? || params[:account_ids].present?
-        query = query.joins(:account)
-      end
-
-      query = query.where(accounts: { name: params[:accounts] }) if params[:accounts].present?
-      query = query.where(accounts: { id: params[:account_ids] }) if params[:account_ids].present?
-
-      # Search attributes on each entryable to further refine results
-      entryable_ids = entryable_search(params)
-      query = query.where(entryable_id: entryable_ids) unless entryable_ids.nil?
-
-      query
-    end
-
-    private
-
-      def entryable_search(params)
-        entryable_ids = []
-        entryable_search_performed = false
-
-        Account::Entryable::TYPES.map(&:constantize).each do |entryable|
-          next unless entryable.requires_search?(params)
-
-          entryable_search_performed = true
-          entryable_ids += entryable.search(params).pluck(:id)
-        end
-
-        return nil unless entryable_search_performed
-
-        entryable_ids
-      end
   end
-
-  private
-
-    def previous_entry
-      @previous_entry ||= account
-                            .entries
-                            .where("date < ?", date)
-                            .where("entryable_type = ?", entryable_type)
-                            .order(date: :desc)
-                            .first
-    end
 end

app/models/account/entry_builder.rb

@@ -1,45 +0,0 @@
-class Account::EntryBuilder
-  include ActiveModel::Model
-
-  TYPES = %w[income expense buy sell interest transfer_in transfer_out].freeze
-
-  attr_accessor :type, :date, :qty, :ticker, :price, :amount, :currency, :account, :transfer_account_id
-
-  validates :type, inclusion: { in: TYPES }
-
-  def save
-    if valid?
-      create_builder.save
-    end
-  end
-
-  private
-
-    def create_builder
-      case type
-      when "buy", "sell"
-        create_trade_builder
-      else
-        create_transaction_builder
-      end
-    end
-
-    def create_trade_builder
-      Account::TradeBuilder.new \
-        type: type,
-        date: date,
-        qty: qty,
-        ticker: ticker,
-        price: price,
-        account: account
-    end
-
-    def create_transaction_builder
-      Account::TransactionBuilder.new \
-        type: type,
-        date: date,
-        amount: amount,
-        account: account,
-        transfer_account_id: transfer_account_id
-    end
-end

app/models/account/entry_search.rb

@@ -0,0 +1,57 @@
+class Account::EntrySearch
+  include ActiveModel::Model
+  include ActiveModel::Attributes
+
+  attribute :search, :string
+  attribute :amount, :string
+  attribute :amount_operator, :string
+  attribute :types, :string
+  attribute :accounts, array: true
+  attribute :account_ids, array: true
+  attribute :start_date, :string
+  attribute :end_date, :string
+
+  class << self
+    def from_entryable_search(entryable_search)
+      new(entryable_search.attributes.slice(*attribute_names))
+    end
+  end
+
+  def build_query(scope)
+    query = scope
+
+    query = query.where("account_entries.name ILIKE :search OR account_entries.enriched_name ILIKE :search",
+      search: "%#{ActiveRecord::Base.sanitize_sql_like(search)}%"
+    ) if search.present?
+    query = query.where("account_entries.date >= ?", start_date) if start_date.present?
+    query = query.where("account_entries.date <= ?", end_date) if end_date.present?
+
+    if types.present?
+      if types.include?("income") && !types.include?("expense")
+        query = query.where("account_entries.amount < 0")
+      elsif types.include?("expense") && !types.include?("income")
+        query = query.where("account_entries.amount >= 0")
+      end
+    end
+
+    if amount.present? && amount_operator.present?
+      case amount_operator
+      when "equal"
+        query = query.where("ABS(ABS(account_entries.amount) - ?) <= 0.01", amount.to_f.abs)
+      when "less"
+        query = query.where("ABS(account_entries.amount) < ?", amount.to_f.abs)
+      when "greater"
+        query = query.where("ABS(account_entries.amount) > ?", amount.to_f.abs)
+      end
+    end
+
+    if accounts.present? || account_ids.present?
+      query = query.joins(:account)
+    end
+
+    query = query.where(accounts: { name: accounts }) if accounts.present?
+    query = query.where(accounts: { id: account_ids }) if account_ids.present?
+
+    query
+  end
+end

app/models/account/holding.rb

@@ -9,9 +9,6 @@ class Account::Holding < ApplicationRecord
   validates :qty, :currency, presence: true
 
   scope :chronological, -> { order(:date) }
-  scope :current, -> { where(date: Date.current).order(amount: :desc) }
-  scope :in_period, ->(period) { period.date_range.nil? ? all : where(date: period.date_range) }
-  scope :known_value, -> { where.not(amount: nil) }
   scope :for, ->(security) { where(security_id: security).order(:date) }
 
   delegate :ticker, to: :security
@@ -22,15 +19,19 @@ class Account::Holding < ApplicationRecord
 
   def weight
     return nil unless amount
+    return 0 if amount.zero?
 
-    portfolio_value = account.holdings.current.known_value.sum(&:amount)
-    portfolio_value.zero? ? 1 : amount / portfolio_value * 100
+    account.balance.zero? ? 1 : amount / account.balance * 100
   end
 
   # Basic approximation of cost-basis
   def avg_cost
-    avg_cost = account.holdings.for(security).where("date <= ?", date).average(:price)
-    Money.new(avg_cost, currency)
+    avg_cost = account.entries.account_trades
+                  .joins("INNER JOIN account_trades ON account_trades.id = account_entries.entryable_id")
+                  .where("account_trades.security_id = ? AND account_trades.qty > 0 AND account_entries.date <= ?", security.id, date)
+                  .average(:price)
+
+    Money.new(avg_cost || price, currency)
   end
 
   def trend

app/models/account/holding/syncer.rb

@@ -1,135 +0,0 @@
-class Account::Holding::Syncer
-  def initialize(account, start_date: nil)
-    @account = account
-    @sync_date_range = calculate_sync_start_date(start_date)..Date.current
-    @portfolio = {}
-
-    load_prior_portfolio if start_date
-  end
-
-  def run
-    holdings = []
-
-    sync_date_range.each do |date|
-      holdings += build_holdings_for_date(date)
-    end
-
-    upsert_holdings holdings
-  end
-
-  private
-
-    attr_reader :account, :sync_date_range
-
-    def sync_entries
-      @sync_entries ||= account.entries
-                               .account_trades
-                               .includes(entryable: :security)
-                               .where("date >= ?", sync_date_range.begin)
-                               .order(:date)
-    end
-
-    def get_cached_price(ticker, date)
-      return nil unless security_prices.key?(ticker)
-
-      price = security_prices[ticker].find { |p| p.date == date }
-      price ? price[:price] : nil
-    end
-
-    def security_prices
-      @security_prices ||= begin
-        prices = {}
-        ticker_securities = {}
-
-        sync_entries.each do |entry|
-          security = entry.account_trade.security
-          unless ticker_securities[security.ticker]
-            ticker_securities[security.ticker] = {
-              security: security,
-              start_date: entry.date
-            }
-          end
-        end
-
-        ticker_securities.each do |ticker, data|
-          fetched_prices = Security::Price.find_prices(
-            security: data[:security],
-            start_date: data[:start_date],
-            end_date: Date.current
-          )
-          gapfilled_prices = Gapfiller.new(fetched_prices, start_date: data[:start_date], end_date: Date.current, cache: false).run
-          prices[ticker] = gapfilled_prices
-        end
-
-        prices
-      end
-    end
-
-    def build_holdings_for_date(date)
-      trades = sync_entries.select { |trade| trade.date == date }
-
-      @portfolio = generate_next_portfolio(@portfolio, trades)
-
-      @portfolio.map do |ticker, holding|
-        trade = trades.find { |trade| trade.account_trade.security_id == holding[:security_id] }
-        trade_price = trade&.account_trade&.price
-
-        price = get_cached_price(ticker, date) || trade_price
-
-        account.holdings.build \
-          date: date,
-          security_id: holding[:security_id],
-          qty: holding[:qty],
-          price: price,
-          amount: price ? (price * holding[:qty]) : nil,
-          currency: holding[:currency]
-      end
-    end
-
-    def generate_next_portfolio(prior_portfolio, trade_entries)
-      trade_entries.each_with_object(prior_portfolio) do |entry, new_portfolio|
-        trade = entry.account_trade
-
-        price = trade.price
-        prior_qty = prior_portfolio.dig(trade.security.ticker, :qty) || 0
-        new_qty = prior_qty + trade.qty
-
-        new_portfolio[trade.security.ticker] = {
-          qty: new_qty,
-          price: price,
-          amount: new_qty * price,
-          currency: entry.currency,
-          security_id: trade.security_id
-        }
-      end
-    end
-
-    def upsert_holdings(holdings)
-      current_time = Time.now
-      holdings_to_upsert = holdings.map do |holding|
-        holding.attributes
-               .slice("date", "currency", "qty", "price", "amount", "security_id")
-               .merge("updated_at" => current_time)
-      end
-
-      account.holdings.upsert_all(holdings_to_upsert, unique_by: %i[account_id security_id date currency])
-    end
-
-    def load_prior_portfolio
-      prior_day_holdings = account.holdings.where(date: sync_date_range.begin - 1.day)
-
-      prior_day_holdings.each do |holding|
-        @portfolio[holding.security.ticker] = {
-          qty: holding.qty,
-          price: holding.price,
-          amount: holding.amount,
-          currency: holding.currency,
-          security_id: holding.security_id
-        }
-      end
-    end
-
-    def calculate_sync_start_date(start_date)
-      start_date || account.entries.account_trades.order(:date).first.try(:date) || Date.current
-    end
-end

app/models/account/holding_calculator.rb

@@ -0,0 +1,156 @@
+class Account::HoldingCalculator
+  def initialize(account)
+    @account = account
+    @securities_cache = {}
+  end
+
+  def calculate(reverse: false)
+    preload_securities
+    calculated_holdings = reverse ? reverse_holdings : forward_holdings
+    gapfill_holdings(calculated_holdings)
+  end
+
+  private
+    attr_reader :account, :securities_cache
+
+    def reverse_holdings
+      current_holding_quantities = load_current_holding_quantities
+      prior_holding_quantities = {}
+
+      holdings = []
+
+      Date.current.downto(portfolio_start_date).map do |date|
+        today_trades = trades.select { |t| t.date == date }
+        prior_holding_quantities = calculate_portfolio(current_holding_quantities, today_trades)
+        holdings += generate_holding_records(current_holding_quantities, date)
+        current_holding_quantities = prior_holding_quantities
+      end
+
+      holdings
+    end
+
+    def forward_holdings
+      prior_holding_quantities = load_empty_holding_quantities
+      current_holding_quantities = {}
+
+      holdings = []
+
+      portfolio_start_date.upto(Date.current).map do |date|
+        today_trades = trades.select { |t| t.date == date }
+        current_holding_quantities = calculate_portfolio(prior_holding_quantities, today_trades, inverse: true)
+        holdings += generate_holding_records(current_holding_quantities, date)
+        prior_holding_quantities = current_holding_quantities
+      end
+
+      holdings
+    end
+
+    def generate_holding_records(portfolio, date)
+      portfolio.map do |security_id, qty|
+        security = securities_cache[security_id]
+        price = security.dig(:prices)&.find { |p| p.date == date }
+
+        next if price.blank?
+
+        converted_price = Money.new(price.price, price.currency).exchange_to(account.currency, fallback_rate: 1).amount
+
+        account.holdings.build(
+          security: security.dig(:security),
+          date: date,
+          qty: qty,
+          price: converted_price,
+          currency: account.currency,
+          amount: qty * converted_price
+        )
+      end.compact
+    end
+
+    def gapfill_holdings(holdings)
+      filled_holdings = []
+
+      holdings.group_by { |h| h.security_id }.each do |security_id, security_holdings|
+        next if security_holdings.empty?
+
+        sorted = security_holdings.sort_by(&:date)
+        previous_holding = sorted.first
+
+        sorted.first.date.upto(Date.current) do |date|
+          holding = security_holdings.find { |h| h.date == date }
+
+          if holding
+            filled_holdings << holding
+            previous_holding = holding
+          else
+            # Create a new holding based on the previous day's data
+            filled_holdings << account.holdings.build(
+              security: previous_holding.security,
+              date: date,
+              qty: previous_holding.qty,
+              price: previous_holding.price,
+              currency: previous_holding.currency,
+              amount: previous_holding.amount
+            )
+          end
+        end
+      end
+
+      filled_holdings
+    end
+
+    def trades
+      @trades ||= account.entries.includes(entryable: :security).account_trades.chronological.to_a
+    end
+
+    def portfolio_start_date
+      trades.first ? trades.first.date - 1.day : Date.current
+    end
+
+    def preload_securities
+      securities = trades.map(&:entryable).map(&:security).uniq
+
+      securities.each do |security|
+        prices = Security::Price.find_prices(
+          security: security,
+          start_date: portfolio_start_date,
+          end_date: Date.current
+        )
+
+        @securities_cache[security.id] = {
+          security: security,
+          prices: prices
+        }
+      end
+    end
+
+    def calculate_portfolio(holding_quantities, today_trades, inverse: false)
+      new_quantities = holding_quantities.dup
+
+      today_trades.each do |trade|
+        security_id = trade.entryable.security_id
+        qty_change = inverse ? trade.entryable.qty : -trade.entryable.qty
+        new_quantities[security_id] = (new_quantities[security_id] || 0) + qty_change
+      end
+
+      new_quantities
+    end
+
+    def load_empty_holding_quantities
+      holding_quantities = {}
+
+      trades.map { |t| t.entryable.security_id }.uniq.each do |security_id|
+        holding_quantities[security_id] = 0
+      end
+
+      holding_quantities
+    end
+
+    def load_current_holding_quantities
+      holding_quantities = load_empty_holding_quantities
+
+      account.holdings.where(date: Date.current, currency: account.currency).map do |holding|
+        holding_quantities[holding.security_id] = holding.qty
+      end
+
+      holding_quantities
+    end
+end

app/models/account/sync.rb

@@ -1,82 +0,0 @@
-class Account::Sync < ApplicationRecord
-  belongs_to :account
-
-  enum :status, { pending: "pending", syncing: "syncing", completed: "completed", failed: "failed" }
-
-  class << self
-    def for(account, start_date: nil)
-      create! account: account, start_date: start_date
-    end
-
-    def latest
-      order(created_at: :desc).first
-    end
-  end
-
-  def run
-    start!
-
-    account.resolve_stale_issues
-
-    sync_balances
-    sync_holdings
-
-    complete!
-  rescue StandardError => error
-    account.observe_unknown_issue(error)
-    fail! error
-
-    raise error if Rails.env.development?
-  end
-
-  private
-
-    def sync_balances
-      Account::Balance::Syncer.new(account, start_date: start_date).run
-    end
-
-    def sync_holdings
-      Account::Holding::Syncer.new(account, start_date: start_date).run
-    end
-
-    def start!
-      update! status: "syncing", last_ran_at: Time.now
-      broadcast_start
-    end
-
-    def complete!
-      update! status: "completed"
-
-      if account.has_issues?
-        broadcast_result type: "alert", message: account.highest_priority_issue.title
-      else
-        broadcast_result type: "notice", message: "Sync complete"
-      end
-    end
-
-    def fail!(error)
-      update! status: "failed", error: error.message
-      broadcast_result type: "alert", message: I18n.t("account.sync.failed")
-    end
-
-    def broadcast_start
-      broadcast_append_to(
-        [ account.family, :notifications ],
-        target: "notification-tray",
-        partial: "shared/notification",
-        locals: { id: id, type: "processing", message: "Syncing account balances" }
-      )
-    end
-
-    def broadcast_result(type:, message:)
-      broadcast_remove_to account.family, :notifications, target: id # Remove persistent syncing notification
-      broadcast_append_to(
-        [ account.family, :notifications ],
-        target: "notification-tray",
-        partial: "shared/notification",
-        locals: { type: type, message: message }
-      )
-
-      account.family.broadcast_refresh
-    end
-end

app/models/account/syncable.rb

@@ -1,29 +0,0 @@
-module Account::Syncable
-  extend ActiveSupport::Concern
-
-  class_methods do
-    def sync(start_date: nil)
-      all.each { |a| a.sync_later(start_date: start_date) }
-    end
-  end
-
-  def syncing?
-    syncs.syncing.any?
-  end
-
-  def latest_sync_date
-    syncs.where.not(last_ran_at: nil).pluck(:last_ran_at).max&.to_date
-  end
-
-  def needs_sync?
-    latest_sync_date.nil? || latest_sync_date < Date.current
-  end
-
-  def sync_later(start_date: nil)
-    AccountSyncJob.perform_later(self, start_date: start_date)
-  end
-
-  def sync(start_date: nil)
-    Account::Sync.for(self, start_date: start_date).run
-  end
-end

app/models/account/syncer.rb

@@ -0,0 +1,128 @@
+class Account::Syncer
+  def initialize(account, start_date: nil)
+    @account = account
+    @start_date = start_date
+  end
+
+  def run
+    Transfer.auto_match_for_account(account)
+
+    holdings = sync_holdings
+    balances = sync_balances(holdings)
+    account.reload
+    update_account_info(balances, holdings) unless account.plaid_account_id.present?
+    convert_records_to_family_currency(balances, holdings) unless account.currency == account.family.currency
+
+    # Enrich if user opted in or if we're syncing transactions from a Plaid account on the hosted app
+    if account.family.data_enrichment_enabled? || (account.plaid_account_id.present? && Rails.application.config.app_mode.hosted?)
+      account.enrich_data_later
+    else
+      Rails.logger.info("Data enrichment is disabled, skipping enrichment for account #{account.id}")
+    end
+  end
+
+  private
+    attr_reader :account, :start_date
+
+    def account_start_date
+      @account_start_date ||= (account.entries.chronological.first&.date || Date.current) - 1.day
+    end
+
+    def update_account_info(balances, holdings)
+      new_balance = balances.sort_by(&:date).last.balance
+      new_holdings_value = holdings.select { |h| h.date == Date.current }.sum(&:amount)
+      new_cash_balance = new_balance - new_holdings_value
+
+      account.update!(
+        balance: new_balance,
+        cash_balance: new_cash_balance
+      )
+    end
+
+    def sync_holdings
+      calculator = Account::HoldingCalculator.new(account)
+      calculated_holdings = calculator.calculate(reverse: account.plaid_account_id.present?)
+
+      current_time = Time.now
+
+      Account.transaction do
+        load_holdings(calculated_holdings)
+
+        # Purge outdated holdings
+        account.holdings.delete_by("date < ? OR security_id NOT IN (?)", account_start_date, calculated_holdings.map(&:security_id))
+      end
+
+      calculated_holdings
+    end
+
+    def sync_balances(holdings)
+      calculator = Account::BalanceCalculator.new(account, holdings: holdings)
+      calculated_balances = calculator.calculate(reverse: account.plaid_account_id.present?, start_date: start_date)
+
+      Account.transaction do
+        load_balances(calculated_balances)
+
+        # Purge outdated balances
+        account.balances.delete_by("date < ?", account_start_date)
+      end
+
+      calculated_balances
+    end
+
+    def convert_records_to_family_currency(balances, holdings)
+      from_currency = account.currency
+      to_currency = account.family.currency
+
+      exchange_rates = ExchangeRate.find_rates(
+        from: from_currency,
+        to: to_currency,
+        start_date: balances.first.date
+      )
+
+      converted_balances = balances.map do |balance|
+        exchange_rate = exchange_rates.find { |er| er.date == balance.date }
+
+        account.balances.build(
+          date: balance.date,
+          balance: exchange_rate.rate * balance.balance,
+          currency: to_currency
+        ) if exchange_rate.present?
+      end
+
+      converted_holdings = holdings.map do |holding|
+        exchange_rate = exchange_rates.find { |er| er.date == holding.date }
+
+        account.holdings.build(
+          security: holding.security,
+          date: holding.date,
+          amount: exchange_rate.rate * holding.amount,
+          currency: to_currency
+        ) if exchange_rate.present?
+      end
+
+      Account.transaction do
+        load_balances(converted_balances)
+        load_holdings(converted_holdings)
+      end
+    end
+
+    def load_balances(balances = [])
+      current_time = Time.now
+      account.balances.upsert_all(
+        balances.map { |b| b.attributes
+               .slice("date", "balance", "cash_balance", "currency")
+               .merge("updated_at" => current_time) },
+        unique_by: %i[account_id date currency]
+      )
+    end
+
+    def load_holdings(holdings = [])
+      current_time = Time.now
+      account.holdings.upsert_all(
+        holdings.map { |h| h.attributes
+               .slice("date", "currency", "qty", "price", "amount", "security_id")
+               .merge("updated_at" => current_time) },
+        unique_by: %i[account_id security_id date currency]
+      )
+    end
+end

app/models/account/trade.rb

@@ -5,35 +5,11 @@ class Account::Trade < ApplicationRecord
 
   belongs_to :security
 
-  validates :qty, presence: true, numericality: { other_than: 0 }
+  validates :qty, presence: true
   validates :price, :currency, presence: true
 
-  class << self
-    def search(_params)
-      all
-    end
-
-    def requires_search?(_params)
-      false
-    end
-  end
-
-  def sell?
-    qty < 0
-  end
-
-  def buy?
-    qty > 0
-  end
-
-  def name
-    prefix = sell? ? "Sell " : "Buy "
-    generated = prefix + "#{qty.abs} shares of #{security.ticker}"
-    entry.name || generated
-  end
-
   def unrealized_gain_loss
-    return nil if sell?
+    return nil if qty.negative?
     current_price = security.current_price
     return nil if current_price.nil?
 

app/models/account/trade_builder.rb

@@ -1,33 +1,113 @@
-class Account::TradeBuilder < Account::EntryBuilder
+class Account::TradeBuilder
   include ActiveModel::Model
 
-  TYPES = %w[buy sell].freeze
+  attr_accessor :account, :date, :amount, :currency, :qty,
+                :price, :ticker, :type, :transfer_account_id
 
-  attr_accessor :type, :qty, :price, :ticker, :date, :account
+  attr_reader :buildable
 
-  validates :type, :qty, :price, :ticker, :date, presence: true
-  validates :price, numericality: { greater_than: 0 }
-  validates :type, inclusion: { in: TYPES }
+  def initialize(attributes = {})
+    super
+    @buildable = set_buildable
+  end
 
   def save
-    if valid?
-      create_entry
-    end
+    buildable.save
+  end
+
+  def errors
+    buildable.errors
+  end
+
+  def sync_account_later
+    buildable.sync_account_later
   end
 
   private
+    def set_buildable
+      case type
+      when "buy", "sell"
+        build_trade
+      when "deposit", "withdrawal"
+        build_transfer
+      when "interest"
+        build_interest
+      else
+        raise "Unknown trade type: #{type}"
+      end
+    end
 
-    def create_entry
-      account.entries.account_trades.create! \
+    def build_trade
+      prefix = type == "sell" ? "Sell " : "Buy "
+      trade_name = prefix + "#{qty.to_i.abs} shares of #{security.ticker}"
+
+      account.entries.new(
+        name: trade_name,
         date: date,
-        amount: amount,
-        currency: account.currency,
+        amount: signed_amount,
+        currency: currency,
         entryable: Account::Trade.new(
-          security: security,
           qty: signed_qty,
-          price: price.to_d,
-          currency: account.currency
+          price: price,
+          currency: currency,
+          security: security
         )
+      )
+    end
+
+    def build_transfer
+      transfer_account = family.accounts.find(transfer_account_id) if transfer_account_id.present?
+
+      if transfer_account
+        from_account = type == "withdrawal" ? account : transfer_account
+        to_account = type == "withdrawal" ? transfer_account : account
+
+        Transfer.from_accounts(
+          from_account: from_account,
+          to_account: to_account,
+          date: date,
+          amount: signed_amount
+        )
+      else
+        account.entries.build(
+          name: signed_amount < 0 ? "Deposit to #{account.name}" : "Withdrawal from #{account.name}",
+          date: date,
+          amount: signed_amount,
+          currency: currency,
+          entryable: Account::Transaction.new
+        )
+      end
+    end
+
+    def build_interest
+      account.entries.build(
+        name: "Interest payment",
+        date: date,
+        amount: signed_amount,
+        currency: currency,
+        entryable: Account::Transaction.new
+      )
+    end
+
+    def signed_qty
+      return nil unless type.in?([ "buy", "sell" ])
+
+      type == "sell" ? -qty.to_d : qty.to_d
+    end
+
+    def signed_amount
+      case type
+      when "buy", "sell"
+        signed_qty * price.to_d
+      when "deposit", "withdrawal"
+        type == "deposit" ? -amount.to_d : amount.to_d
+      when "interest"
+        amount.to_d * -1
+      end
+    end
+
+    def family
+      account.family
     end
 
     def security
@@ -40,14 +120,4 @@ class Account::TradeBuilder < Account::EntryBuilder
 
       security
     end
-
-    def amount
-      price.to_d * signed_qty
-    end
-
-    def signed_qty
-      _qty = qty.to_d
-      _qty = _qty * -1 if type == "sell"
-      _qty
-    end
 end

app/models/account/transaction.rb

@@ -6,62 +6,24 @@ class Account::Transaction < ApplicationRecord
   has_many :taggings, as: :taggable, dependent: :destroy
   has_many :tags, through: :taggings
 
+  has_one :transfer_as_inflow, class_name: "Transfer", foreign_key: "inflow_transaction_id", dependent: :restrict_with_exception
+  has_one :transfer_as_outflow, class_name: "Transfer", foreign_key: "outflow_transaction_id", dependent: :restrict_with_exception
+
   accepts_nested_attributes_for :taggings, allow_destroy: true
 
   scope :active, -> { where(excluded: false) }
 
   class << self
     def search(params)
-      query = all
-      if params[:categories].present?
-        if params[:categories].exclude?("Uncategorized")
-          query = query
-                    .joins(:category)
-                    .where(categories: { name: params[:categories] })
-        else
-          query = query
-                    .left_joins(:category)
-                    .where(categories: { name: params[:categories] })
-                    .or(query.where(category_id: nil))
-        end
-      end
-
-      query = query.joins(:merchant).where(merchants: { name: params[:merchants] }) if params[:merchants].present?
-
-      if params[:tags].present?
-        query = query.joins(:tags)
-                     .where(tags: { name: params[:tags] })
-                     .distinct
-      end
-
-      query
+      Account::TransactionSearch.new(params).build_query(all)
     end
-
-    def requires_search?(params)
-      searchable_keys.any? { |key| params.key?(key) }
-    end
-
-    private
-
-      def searchable_keys
-        %i[categories merchants tags]
-      end
   end
 
-  def name
-    entry.name || "(no description)"
+  def transfer
+    transfer_as_inflow || transfer_as_outflow
   end
 
-  def eod_balance
-    entry.amount_money
+  def transfer?
+    transfer.present? && transfer.status != "rejected"
   end
-
-  private
-    def account
-      entry.account
-    end
-
-    def daily_transactions
-      account.entries.account_transactions
-    end
 end

app/models/account/transaction_builder.rb

@@ -1,63 +0,0 @@
-class Account::TransactionBuilder
-  include ActiveModel::Model
-
-  TYPES = %w[income expense interest transfer_in transfer_out].freeze
-
-  attr_accessor :type, :amount, :date, :account, :transfer_account_id
-
-  validates :type, :amount, :date, presence: true
-  validates :type, inclusion: { in: TYPES }
-
-  def save
-    if valid?
-      transfer? ? create_transfer : create_transaction
-    end
-  end
-
-  private
-
-    def transfer?
-      %w[transfer_in transfer_out].include?(type)
-    end
-
-    def create_transfer
-      return create_unlinked_transfer(account.id, signed_amount) if transfer_account_id.blank?
-
-      from_account_id = type == "transfer_in" ? transfer_account_id : account.id
-      to_account_id = type == "transfer_in" ? account.id : transfer_account_id
-
-      outflow = create_unlinked_transfer(from_account_id, signed_amount.abs)
-      inflow = create_unlinked_transfer(to_account_id, signed_amount.abs * -1)
-
-      Account::Transfer.create! entries: [ outflow, inflow ]
-
-      inflow
-    end
-
-    def create_unlinked_transfer(account_id, amount)
-      build_entry(account_id, amount, marked_as_transfer: true).tap(&:save!)
-    end
-
-    def create_transaction
-      build_entry(account.id, signed_amount).tap(&:save!)
-    end
-
-    def build_entry(account_id, amount, marked_as_transfer: false)
-      Account::Entry.new \
-        account_id: account_id,
-        amount: amount,
-        currency: account.currency,
-        date: date,
-        marked_as_transfer: marked_as_transfer,
-        entryable: Account::Transaction.new
-    end
-
-    def signed_amount
-      case type
-      when "expense", "transfer_out"
-        amount.to_d
-      else
-        amount.to_d * -1
-      end
-    end
-end

app/models/account/transaction_search.rb

@@ -0,0 +1,47 @@
+class Account::TransactionSearch
+  include ActiveModel::Model
+  include ActiveModel::Attributes
+
+  attribute :search, :string
+  attribute :amount, :string
+  attribute :amount_operator, :string
+  attribute :types, array: true
+  attribute :accounts, array: true
+  attribute :account_ids, array: true
+  attribute :start_date, :string
+  attribute :end_date, :string
+  attribute :categories, array: true
+  attribute :merchants, array: true
+  attribute :tags, array: true
+
+  # Returns array of Account::Entry objects to stay consistent with partials, which only deal with Account::Entry
+  def build_query(scope)
+    query = scope
+
+    if types.present? && types.exclude?("transfer")
+      query = query.joins("LEFT JOIN transfers ON transfers.inflow_transaction_id = account_entries.id OR transfers.outflow_transaction_id = account_entries.id")
+        .where("transfers.id IS NULL")
+    end
+
+    if categories.present?
+      if categories.exclude?("Uncategorized")
+        query = query
+                  .joins(:category)
+                  .where(categories: { name: categories })
+      else
+        query = query
+                  .left_joins(:category)
+                  .where(categories: { name: categories })
+                  .or(query.where(category_id: nil))
+      end
+    end
+
+    query = query.joins(:merchant).where(merchants: { name: merchants }) if merchants.present?
+
+    query = query.joins(:tags).where(tags: { name: tags }) if tags.present?
+
+    entries_scope = Account::Entry.account_transactions.where(entryable_id: query.select(:id))
+
+    Account::EntrySearch.from_entryable_search(self).build_query(entries_scope)
+  end
+end

app/models/account/transfer.rb

@@ -1,101 +0,0 @@
-class Account::Transfer < ApplicationRecord
-  has_many :entries, dependent: :destroy
-
-  validate :net_zero_flows, if: :single_currency_transfer?
-  validate :transaction_count, :from_different_accounts, :all_transactions_marked
-
-  def date
-    outflow_transaction&.date
-  end
-
-  def amount_money
-    entries.first&.amount_money&.abs || Money.new(0)
-  end
-
-  def from_name
-    from_account&.name || I18n.t("account/transfer.from_fallback_name")
-  end
-
-  def to_name
-    to_account&.name || I18n.t("account/transfer.to_fallback_name")
-  end
-
-  def name
-    I18n.t("account/transfer.name", from_account: from_name, to_account: to_name)
-  end
-
-  def from_account
-    outflow_transaction&.account
-  end
-
-  def to_account
-    inflow_transaction&.account
-  end
-
-  def inflow_transaction
-    entries.find { |e| e.inflow? }
-  end
-
-  def outflow_transaction
-    entries.find { |e| e.outflow? }
-  end
-
-  def update_entries!(params)
-    transaction do
-      entries.each do |entry|
-        entry.update!(params)
-      end
-    end
-  end
-
-  class << self
-    def build_from_accounts(from_account, to_account, date:, amount:, currency:)
-      outflow = from_account.entries.build \
-        amount: amount.abs,
-        currency: from_account.currency,
-        date: date,
-        name: "Transfer to #{to_account.name}",
-        marked_as_transfer: true,
-        entryable: Account::Transaction.new
-
-      inflow = to_account.entries.build \
-        amount: amount.abs * -1,
-        currency: from_account.currency,
-        date: date,
-        name: "Transfer from #{from_account.name}",
-        marked_as_transfer: true,
-        entryable: Account::Transaction.new
-
-      new entries: [ outflow, inflow ]
-    end
-  end
-
-  private
-
-    def single_currency_transfer?
-      entries.map { |e| e.currency }.uniq.size == 1
-    end
-
-    def transaction_count
-      unless entries.size == 2
-        errors.add :entries, :must_have_exactly_2_entries
-      end
-    end
-
-    def from_different_accounts
-      accounts = entries.map { |e| e.account_id }.uniq
-      errors.add :entries, :must_be_from_different_accounts if accounts.size < entries.size
-    end
-
-    def net_zero_flows
-      unless entries.sum(&:amount).zero?
-        errors.add :entries, :must_have_an_inflow_and_outflow_that_net_to_zero
-      end
-    end
-
-    def all_transactions_marked
-      unless entries.all?(&:marked_as_transfer)
-        errors.add :entries, :must_be_marked_as_transfer
-      end
-    end
-end

app/models/account/valuation.rb

@@ -1,53 +1,3 @@
 class Account::Valuation < ApplicationRecord
   include Account::Entryable
-
-  class << self
-    def search(_params)
-      all
-    end
-
-    def requires_search?(_params)
-      false
-    end
-  end
-
-  def name
-    oldest? ? "Initial balance" : entry.name || "Balance update"
-  end
-
-  def trend
-    @trend ||= create_trend
-  end
-
-  def icon
-    oldest? ? "plus" : entry.trend.icon
-  end
-
-  def color
-    oldest? ? "#D444F1" : entry.trend.color
-  end
-
-  private
-    def oldest?
-      @oldest ||= account.entries.where("date < ?", entry.date).empty?
-    end
-
-    def account
-      @account ||= entry.account
-    end
-
-    def create_trend
-      TimeSeries::Trend.new(
-        current: entry.amount_money,
-        previous: prior_balance&.balance_money,
-        favorable_direction: account.favorable_direction
-      )
-    end
-
-    def prior_balance
-      @prior_balance ||= account.balances
-                               .where("date < ?", entry.date)
-                               .order(date: :desc)
-                               .first
-    end
 end

app/models/budget.rb

@@ -0,0 +1,182 @@
+class Budget < ApplicationRecord
+  include Monetizable
+
+  belongs_to :family
+
+  has_many :budget_categories, dependent: :destroy
+
+  validates :start_date, :end_date, presence: true
+  validates :start_date, :end_date, uniqueness: { scope: :family_id }
+
+  monetize :budgeted_spending, :expected_income, :allocated_spending,
+           :actual_spending, :available_to_spend, :available_to_allocate,
+           :estimated_spending, :estimated_income, :actual_income, :remaining_expected_income
+
+  class << self
+    def for_date(date)
+      find_by(start_date: date.beginning_of_month, end_date: date.end_of_month)
+    end
+
+    def find_or_bootstrap(family, date: Date.current)
+      Budget.transaction do
+        budget = Budget.find_or_create_by!(
+          family: family,
+          start_date: date.beginning_of_month,
+          end_date: date.end_of_month
+        ) do |b|
+          b.currency = family.currency
+        end
+
+        budget.sync_budget_categories
+
+        budget
+      end
+    end
+  end
+
+  def sync_budget_categories
+    family.categories.expenses.each do |category|
+      budget_categories.find_or_create_by(
+        category: category,
+      ) do |bc|
+        bc.budgeted_spending = 0
+        bc.currency = family.currency
+      end
+    end
+  end
+
+  def uncategorized_budget_category
+    budget_categories.uncategorized.tap do |bc|
+      bc.budgeted_spending = [ available_to_allocate, 0 ].max
+      bc.currency = family.currency
+    end
+  end
+
+  def entries
+    family.entries.incomes_and_expenses.where(date: start_date..end_date)
+  end
+
+  def name
+    start_date.strftime("%B %Y")
+  end
+
+  def initialized?
+    budgeted_spending.present?
+  end
+
+  def income_categories_with_totals
+    family.income_categories_with_totals(date: start_date)
+  end
+
+  def expense_categories_with_totals
+    family.expense_categories_with_totals(date: start_date)
+  end
+
+  def current?
+    start_date == Date.today.beginning_of_month && end_date == Date.today.end_of_month
+  end
+
+  def previous_budget
+    prev_month_end_date = end_date - 1.month
+    return nil if prev_month_end_date < family.oldest_entry_date
+    family.budgets.find_or_bootstrap(family, date: prev_month_end_date)
+  end
+
+  def next_budget
+    return nil if current?
+    next_start_date = start_date + 1.month
+    family.budgets.find_or_bootstrap(family, date: next_start_date)
+  end
+
+  def to_donut_segments_json
+    unused_segment_id = "unused"
+
+    # Continuous gray segment for empty budgets
+    return [ { color: "#F0F0F0", amount: 1, id: unused_segment_id } ] unless allocations_valid?
+
+    segments = budget_categories.map do |bc|
+      { color: bc.category.color, amount: bc.actual_spending, id: bc.id }
+    end
+
+    if available_to_spend.positive?
+      segments.push({ color: "#F0F0F0", amount: available_to_spend, id: unused_segment_id })
+    end
+
+    segments
+  end
+
+  # =============================================================================
+  # Actuals: How much user has spent on each budget category
+  # =============================================================================
+  def estimated_spending
+    family.budgeting_stats.avg_monthly_expenses&.abs
+  end
+
+  def actual_spending
+    budget_categories.reject(&:subcategory?).sum(&:actual_spending)
+  end
+
+  def available_to_spend
+    (budgeted_spending || 0) - actual_spending
+  end
+
+  def percent_of_budget_spent
+    return 0 unless budgeted_spending > 0
+
+    (actual_spending / budgeted_spending.to_f) * 100
+  end
+
+  def overage_percent
+    return 0 unless available_to_spend.negative?
+
+    available_to_spend.abs / actual_spending.to_f * 100
+  end
+
+  # =============================================================================
+  # Budget allocations: How much user has budgeted for all categories combined
+  # =============================================================================
+  def allocated_spending
+    budget_categories.sum(:budgeted_spending)
+  end
+
+  def allocated_percent
+    return 0 unless budgeted_spending && budgeted_spending > 0
+
+    (allocated_spending / budgeted_spending.to_f) * 100
+  end
+
+  def available_to_allocate
+    (budgeted_spending || 0) - allocated_spending
+  end
+
+  def allocations_valid?
+    initialized? && available_to_allocate.positive? && allocated_spending > 0
+  end
+
+  # =============================================================================
+  # Income: How much user earned relative to what they expected to earn
+  # =============================================================================
+  def estimated_income
+    family.budgeting_stats.avg_monthly_income&.abs
+  end
+
+  def actual_income
+    family.entries.incomes.where(date: start_date..end_date).sum(:amount).abs
+  end
+
+  def actual_income_percent
+    return 0 unless expected_income > 0
+
+    (actual_income / expected_income.to_f) * 100
+  end
+
+  def remaining_expected_income
+    expected_income - actual_income
+  end
+
+  def surplus_percent
+    return 0 unless remaining_expected_income.negative?
+
+    remaining_expected_income.abs / expected_income.to_f * 100
+  end
+end

app/models/budget_category.rb

@@ -0,0 +1,82 @@
+class BudgetCategory < ApplicationRecord
+  include Monetizable
+
+  belongs_to :budget
+  belongs_to :category
+
+  validates :budget_id, uniqueness: { scope: :category_id }
+
+  monetize :budgeted_spending, :actual_spending, :available_to_spend
+
+  class Group
+    attr_reader :budget_category, :budget_subcategories
+
+    delegate :category, to: :budget_category
+    delegate :name, :color, to: :category
+
+    def self.for(budget_categories)
+      top_level_categories = budget_categories.select { |budget_category| budget_category.category.parent_id.nil? }
+      top_level_categories.map do |top_level_category|
+        subcategories = budget_categories.select { |bc| bc.category.parent_id == top_level_category.category_id && top_level_category.category_id.present? }
+        new(top_level_category, subcategories.sort_by { |subcategory| subcategory.category.name })
+      end.sort_by { |group| group.category.name }
+    end
+
+    def initialize(budget_category, budget_subcategories = [])
+      @budget_category = budget_category
+      @budget_subcategories = budget_subcategories
+    end
+  end
+
+  class << self
+    def uncategorized
+      new(
+        id: Digest::UUID.uuid_v5(Digest::UUID::URL_NAMESPACE, "uncategorized"),
+        category: nil,
+      )
+    end
+  end
+
+  def initialized?
+    budget.initialized?
+  end
+
+  def category
+    super || budget.family.categories.uncategorized
+  end
+
+  def subcategory?
+    category.parent_id.present?
+  end
+
+  def actual_spending
+    category.month_total(date: budget.start_date)
+  end
+
+  def available_to_spend
+    (budgeted_spending || 0) - actual_spending
+  end
+
+  def percent_of_budget_spent
+    return 0 unless budgeted_spending > 0
+
+    (actual_spending / budgeted_spending) * 100
+  end
+
+  def to_donut_segments_json
+    unused_segment_id = "unused"
+    overage_segment_id = "overage"
+
+    return [ { color: "#F0F0F0", amount: 1, id: unused_segment_id } ] unless actual_spending > 0
+
+    segments = [ { color: category.color, amount: actual_spending, id: id } ]
+
+    if available_to_spend.negative?
+      segments.push({ color: "#EF4444", amount: available_to_spend.abs, id: overage_segment_id })
+    else
+      segments.push({ color: "#F0F0F0", amount: available_to_spend, id: unused_segment_id })
+    end
+
+    segments
+  end
+end

app/models/budgeting_stats.rb

@@ -0,0 +1,29 @@
+class BudgetingStats
+  attr_reader :family
+
+  def initialize(family)
+    @family = family
+  end
+
+  def avg_monthly_income
+    income_expense_totals_query(Account::Entry.incomes)
+  end
+
+  def avg_monthly_expenses
+    income_expense_totals_query(Account::Entry.expenses)
+  end
+
+  private
+    def income_expense_totals_query(type_scope)
+      monthly_totals = family.entries
+                        .merge(type_scope)
+                        .select("SUM(account_entries.amount) as total")
+                        .group(Arel.sql("date_trunc('month', account_entries.date)"))
+
+      result = Family.select("AVG(mt.total)")
+                     .from(monthly_totals, :mt)
+                     .pick("AVG(mt.total)")
+
+      result
+    end
+end

app/models/category.rb

@@ -1,43 +1,87 @@
 class Category < ApplicationRecord
   has_many :transactions, dependent: :nullify, class_name: "Account::Transaction"
   has_many :import_mappings, as: :mappable, dependent: :destroy, class_name: "Import::Mapping"
+
   belongs_to :family
 
+  has_many :budget_categories, dependent: :destroy
+  has_many :subcategories, class_name: "Category", foreign_key: :parent_id
+  belongs_to :parent, class_name: "Category", optional: true
+
   validates :name, :color, :family, presence: true
   validates :name, uniqueness: { scope: :family_id }
 
-  before_update :clear_internal_category, if: :name_changed?
+  validate :category_level_limit
+  validate :nested_category_matches_parent_classification
 
   scope :alphabetically, -> { order(:name) }
+  scope :incomes, -> { where(classification: "income") }
+  scope :expenses, -> { where(classification: "expense") }
 
   COLORS = %w[#e99537 #4da568 #6471eb #db5a54 #df4e92 #c44fe9 #eb5429 #61c9ea #805dee #6ad28a]
 
   UNCATEGORIZED_COLOR = "#737373"
+  TRANSFER_COLOR = "#444CE7"
+  PAYMENT_COLOR = "#db5a54"
+  TRADE_COLOR = "#e99537"
 
-  DEFAULT_CATEGORIES = [
-    { internal_category: "income", color: COLORS[0] },
-    { internal_category: "food_and_drink", color: COLORS[1] },
-    { internal_category: "entertainment", color: COLORS[2] },
-    { internal_category: "personal_care", color: COLORS[3] },
-    { internal_category: "general_services", color: COLORS[4] },
-    { internal_category: "auto_and_transport", color: COLORS[5] },
-    { internal_category: "rent_and_utilities", color: COLORS[6] },
-    { internal_category: "home_improvement", color: COLORS[7] }
-  ]
+  class Group
+    attr_reader :category, :subcategories
 
-  def self.create_default_categories(family)
-    if family.categories.size > 0
-      raise ArgumentError, "Family already has some categories"
+    delegate :name, :color, to: :category
+
+    def self.for(categories)
+      categories.select { |category| category.parent_id.nil? }.map do |category|
+        new(category, category.subcategories)
+      end
     end
 
-    family_id = family.id
-    categories = self::DEFAULT_CATEGORIES.map { |c| {
-      name: I18n.t("transaction.default_category.#{c[:internal_category]}"),
-      internal_category: c[:internal_category],
-      color: c[:color],
-      family_id:
-    } }
-    self.insert_all(categories)
+    def initialize(category, subcategories = nil)
+      @category = category
+      @subcategories = subcategories || []
+    end
+  end
+
+  class << self
+    def icon_codes
+      %w[bus circle-dollar-sign ambulance apple award baby battery lightbulb bed-single beer bluetooth book briefcase building credit-card camera utensils cooking-pot cookie dices drama dog drill drum dumbbell gamepad-2 graduation-cap house hand-helping ice-cream-cone phone piggy-bank pill pizza printer puzzle ribbon shopping-cart shield-plus ticket trees]
+    end
+
+    def bootstrap_defaults
+      default_categories.each do |name, color, icon|
+        find_or_create_by!(name: name) do |category|
+          category.color = color
+          category.classification = "income" if name == "Income"
+          category.lucide_icon = icon
+        end
+      end
+    end
+
+    def uncategorized
+      new(
+        name: "Uncategorized",
+        color: UNCATEGORIZED_COLOR,
+        lucide_icon: "circle-dashed"
+      )
+    end
+
+    private
+      def default_categories
+        [
+          [ "Income", "#e99537", "circle-dollar-sign" ],
+          [ "Housing", "#6471eb", "house" ],
+          [ "Entertainment", "#df4e92", "drama" ],
+          [ "Food & Drink", "#eb5429", "utensils" ],
+          [ "Shopping", "#e99537", "shopping-cart" ],
+          [ "Healthcare", "#4da568", "pill" ],
+          [ "Insurance", "#6471eb", "piggy-bank" ],
+          [ "Utilities", "#db5a54", "lightbulb" ],
+          [ "Transportation", "#df4e92", "bus" ],
+          [ "Education", "#eb5429", "book" ],
+          [ "Gifts & Donations", "#61c9ea", "hand-helping" ],
+          [ "Subscriptions", "#805dee", "credit-card" ]
+        ]
+      end
   end
 
   def replace_and_destroy!(replacement)
@@ -47,9 +91,32 @@ class Category < ApplicationRecord
     end
   end
 
-  private
+  def subcategory?
+    parent.present?
+  end
 
-    def clear_internal_category
-      self.internal_category = nil
+  def avg_monthly_total
+    family.category_stats.avg_monthly_total_for(self)
+  end
+
+  def median_monthly_total
+    family.category_stats.median_monthly_total_for(self)
+  end
+
+  def month_total(date: Date.current)
+    family.category_stats.month_total_for(self, date: date)
+  end
+
+  private
+    def category_level_limit
+      if subcategory? && parent.subcategory?
+        errors.add(:parent, "can't have more than 2 levels of subcategories")
+      end
+    end
+
+    def nested_category_matches_parent_classification
+      if subcategory? && parent.classification != classification
+        errors.add(:parent, "must have the same classification as its parent")
+      end
     end
 end

app/models/category_stats.rb

@@ -0,0 +1,179 @@
+class CategoryStats
+  attr_reader :family
+
+  def initialize(family)
+    @family = family
+  end
+
+  def avg_monthly_total_for(category)
+    statistics_data[category.id]&.avg || 0
+  end
+
+  def median_monthly_total_for(category)
+    statistics_data[category.id]&.median || 0
+  end
+
+  def month_total_for(category, date: Date.current)
+    monthly_totals = totals_data[category.id]
+
+    category_total = monthly_totals&.find { |mt| mt.month == date.month && mt.year == date.year }
+
+    category_total&.amount || 0
+  end
+
+  def month_category_totals(date: Date.current)
+    by_classification = Hash.new { |h, k| h[k] = {} }
+
+    totals_data.each_with_object(by_classification) do |(category_id, totals), result|
+      totals.each do |t|
+        next unless t.month == date.month && t.year == date.year
+        result[t.classification][category_id] ||= { amount: 0, subcategory: t.subcategory? }
+        result[t.classification][category_id][:amount] += t.amount.abs
+      end
+    end
+
+    # Calculate percentages for each group
+    category_totals = []
+
+    [ "income", "expense" ].each do |classification|
+      totals = by_classification[classification]
+
+      # Only include non-subcategory amounts in the total for percentage calculations
+      total_amount = totals.sum do |_, data|
+        data[:subcategory] ? 0 : data[:amount]
+      end
+
+      next if total_amount.zero?
+
+      totals.each do |category_id, data|
+        percentage = (data[:amount].to_f / total_amount * 100).round(1)
+
+        category_totals << CategoryTotal.new(
+          category_id: category_id,
+          amount: data[:amount],
+          percentage: percentage,
+          classification: classification,
+          currency: family.currency,
+          subcategory?: data[:subcategory]
+        )
+      end
+    end
+
+    # Calculate totals based on non-subcategory amounts only
+    total_income = category_totals
+      .select { |ct| ct.classification == "income" && !ct.subcategory? }
+      .sum(&:amount)
+
+    total_expense = category_totals
+      .select { |ct| ct.classification == "expense" && !ct.subcategory? }
+      .sum(&:amount)
+
+    CategoryTotals.new(
+      total_income: total_income,
+      total_expense: total_expense,
+      category_totals: category_totals
+    )
+  end
+
+  private
+    Totals = Struct.new(:month, :year, :amount, :classification, :currency, :subcategory?, keyword_init: true)
+    Stats = Struct.new(:avg, :median, :currency, keyword_init: true)
+    CategoryTotals = Struct.new(:total_income, :total_expense, :category_totals, keyword_init: true)
+    CategoryTotal = Struct.new(:category_id, :amount, :percentage, :classification, :currency, :subcategory?, keyword_init: true)
+
+    def statistics_data
+      @statistics_data ||= begin
+        stats = totals_data.each_with_object({ nil => Stats.new(avg: 0, median: 0) }) do |(category_id, totals), hash|
+          next if totals.empty?
+
+          amounts = totals.map(&:amount)
+          hash[category_id] = Stats.new(
+            avg: (amounts.sum.to_f / amounts.size).round,
+            median: calculate_median(amounts),
+            currency: family.currency
+          )
+        end
+      end
+    end
+
+    def totals_data
+      @totals_data ||= begin
+        totals = monthly_totals_query.each_with_object({ nil => [] }) do |row, hash|
+          hash[row.category_id] ||= []
+          existing_total = hash[row.category_id].find { |t| t.month == row.date.month && t.year == row.date.year }
+
+          if existing_total
+            existing_total.amount += row.total.to_i
+          else
+            hash[row.category_id] << Totals.new(
+              month: row.date.month,
+              year: row.date.year,
+              amount: row.total.to_i,
+              classification: row.classification,
+              currency: family.currency,
+              subcategory?: row.parent_category_id.present?
+            )
+          end
+
+          # If category is a parent, its total includes its own transactions + sum(child category transactions)
+          if row.parent_category_id
+            hash[row.parent_category_id] ||= []
+
+            existing_parent_total = hash[row.parent_category_id].find { |t| t.month == row.date.month && t.year == row.date.year }
+
+            if existing_parent_total
+              existing_parent_total.amount += row.total.to_i
+            else
+              hash[row.parent_category_id] << Totals.new(
+                month: row.date.month,
+                year: row.date.year,
+                amount: row.total.to_i,
+                classification: row.classification,
+                currency: family.currency,
+                subcategory?: false
+              )
+            end
+          end
+        end
+
+        # Ensure we have a default empty array for nil category, which represents "Uncategorized"
+        totals[nil] ||= []
+        totals
+      end
+    end
+
+    def monthly_totals_query
+      income_expense_classification = Arel.sql("
+        CASE WHEN categories.id IS NULL THEN
+          CASE WHEN account_entries.amount < 0 THEN 'income' ELSE 'expense' END
+        ELSE categories.classification
+        END
+      ")
+
+      family.entries
+            .incomes_and_expenses
+            .select(
+              "categories.id as category_id",
+              "categories.parent_id as parent_category_id",
+              income_expense_classification,
+              "date_trunc('month', account_entries.date) as date",
+              "SUM(account_entries.amount) as total"
+            )
+            .joins("LEFT JOIN categories ON categories.id = account_transactions.category_id")
+            .group(Arel.sql("categories.id, categories.parent_id, #{income_expense_classification}, date_trunc('month', account_entries.date)"))
+            .order(Arel.sql("date_trunc('month', account_entries.date) DESC"))
+    end
+
+
+    def calculate_median(numbers)
+      return 0 if numbers.empty?
+
+      sorted = numbers.sort
+      mid = sorted.size / 2
+      if sorted.size.odd?
+        sorted[mid]
+      else
+        ((sorted[mid-1] + sorted[mid]) / 2.0).round
+      end
+    end
+end

app/models/concerns/accountable.rb

@@ -18,19 +18,12 @@ module Accountable
     has_one :account, as: :accountable, touch: true
   end
 
-  def value
-    account.balance_money
-  end
-
-  def series(period: Period.all, currency: account.currency)
-    balance_series = account.balances.in_period(period).where(currency: currency)
-
-    if balance_series.empty? && period.date_range.end == Date.current
-      TimeSeries.new([ { date: Date.current, value: account.balance_money.exchange_to(currency) } ])
-    else
-      TimeSeries.from_collection(balance_series, :balance_money, favorable_direction: account.asset? ? "up" : "down")
-    end
-  rescue Money::ConversionError
-    TimeSeries.new([])
+  def post_sync
+    broadcast_replace_to(
+      account,
+      target: "chart_account_#{account.id}",
+      partial: "accounts/show/chart",
+      locals: { account: account }
+    )
   end
 end

app/models/concerns/plaidable.rb

@@ -0,0 +1,14 @@
+module Plaidable
+  extend ActiveSupport::Concern
+
+  class_methods do
+    def plaid_provider
+      Provider::Plaid.new if Rails.application.config.plaid
+    end
+  end
+
+  private
+    def plaid_provider
+      self.class.plaid_provider
+    end
+end

app/models/concerns/syncable.rb

@@ -0,0 +1,37 @@
+module Syncable
+  extend ActiveSupport::Concern
+
+  included do
+    has_many :syncs, as: :syncable, dependent: :destroy
+  end
+
+  def syncing?
+    syncs.where(status: [ :syncing, :pending ]).any?
+  end
+
+  def sync_later(start_date: nil)
+    new_sync = syncs.create!(start_date: start_date)
+    SyncJob.perform_later(new_sync)
+  end
+
+  def sync(start_date: nil)
+    syncs.create!(start_date: start_date).perform
+  end
+
+  def sync_data(start_date: nil)
+    raise NotImplementedError, "Subclasses must implement the `sync_data` method"
+  end
+
+  def post_sync
+    # no-op, syncable can optionally provide implementation
+  end
+
+  def sync_error
+    latest_sync.error
+  end
+
+  private
+    def latest_sync
+      syncs.order(created_at: :desc).first
+    end
+end

app/models/demo/generator.rb

@@ -36,6 +36,8 @@ class Demo::Generator
       create_car_and_loan!
       create_other_accounts!
 
+      create_transfer_transactions!
+
       puts "accounts created"
       puts "Demo data loaded successfully!"
     end
@@ -49,12 +51,14 @@ class Demo::Generator
       family_id = "d99e3c6e-d513-4452-8f24-dc263f8528c0" # deterministic demo id
 
       family = Family.find_by(id: family_id)
+      Transfer.destroy_all
       family.destroy! if family
 
       Family.create!(id: family_id, name: "Demo Family", stripe_subscription_status: "active").tap(&:reload)
     end
 
     def clear_data!
+      Transfer.destroy_all
       InviteCode.destroy_all
       User.find_by_email("user@maybe.local")&.destroy
       ExchangeRate.destroy_all
@@ -83,13 +87,12 @@ class Demo::Generator
     end
 
     def create_categories!
-      categories = [ "Income", "Food & Drink", "Entertainment", "Travel",
-                    "Personal Care", "General Services", "Auto & Transport",
-                    "Rent & Utilities", "Home Improvement", "Shopping" ]
+      family.categories.bootstrap_defaults
 
-      categories.each do |category|
-        family.categories.create!(name: category, color: COLORS.sample)
-      end
+      food = family.categories.find_by(name: "Food & Drink")
+      family.categories.create!(name: "Restaurants", parent: food, color: COLORS.sample, classification: "expense")
+      family.categories.create!(name: "Groceries", parent: food, color: COLORS.sample, classification: "expense")
+      family.categories.create!(name: "Alcohol & Bars", parent: food, color: COLORS.sample, classification: "expense")
     end
 
     def create_merchants!
@@ -107,8 +110,7 @@ class Demo::Generator
         accountable: CreditCard.new,
         name: "Chase Credit Card",
         balance: 2300,
-        currency: "USD",
-        institution: family.institutions.find_or_create_by(name: "Chase")
+        currency: "USD"
 
       50.times do
         merchant = random_family_record(Merchant)
@@ -134,8 +136,7 @@ class Demo::Generator
         accountable: Depository.new,
         name: "Chase Checking",
         balance: 15000,
-        currency: "USD",
-        institution: family.institutions.find_or_create_by(name: "Chase")
+        currency: "USD"
 
       10.times do
         create_transaction! \
@@ -159,8 +160,7 @@ class Demo::Generator
         name: "Demo Savings",
         balance: 40000,
         currency: "USD",
-        subtype: "savings",
-        institution: family.institutions.find_or_create_by(name: "Chase")
+        subtype: "savings"
 
       income_category = categories.find { |c| c.name == "Income" }
       income_tag = tags.find { |t| t.name == "Emergency Fund" }
@@ -175,6 +175,40 @@ class Demo::Generator
       end
     end
 
+    def create_transfer_transactions!
+      checking = family.accounts.find_by(name: "Chase Checking")
+      credit_card = family.accounts.find_by(name: "Chase Credit Card")
+      investment = family.accounts.find_by(name: "Robinhood")
+
+      create_transaction!(
+        account: checking,
+        date: 1.day.ago.to_date,
+        amount: 100,
+        name: "Credit Card Payment"
+      )
+
+      create_transaction!(
+        account: credit_card,
+        date: 1.day.ago.to_date,
+        amount: -100,
+        name: "Credit Card Payment"
+      )
+
+      create_transaction!(
+        account: checking,
+        date: 3.days.ago.to_date,
+        amount: 500,
+        name: "Transfer to investment"
+      )
+
+      create_transaction!(
+        account: investment,
+        date: 2.days.ago.to_date,
+        amount: -500,
+        name: "Transfer from checking"
+      )
+    end
+
     def load_securities!
       # Create an unknown security to simulate edge cases
       Security.create! ticker: "UNKNOWN", name: "Unknown Demo Stock", exchange_mic: "UNKNOWN"
@@ -208,8 +242,7 @@ class Demo::Generator
         accountable: Investment.new,
         name: "Robinhood",
         balance: 100000,
-        currency: "USD",
-        institution: family.institutions.find_or_create_by(name: "Robinhood")
+        currency: "USD"
 
       aapl = Security.find_by(ticker: "AAPL")
       tm = Security.find_by(ticker: "TM")
@@ -307,6 +340,7 @@ class Demo::Generator
         date: date,
         amount: amount,
         currency: "USD",
+        name: "Balance update",
         entryable: Account::Valuation.new
     end
 
@@ -322,17 +356,17 @@ class Demo::Generator
         "McDonald's" => "Food & Drink",
         "Target" => "Shopping",
         "Costco" => "Food & Drink",
-        "Home Depot" => "Home Improvement",
-        "Shell" => "Auto & Transport",
+        "Home Depot" => "Housing",
+        "Shell" => "Transportation",
         "Whole Foods" => "Food & Drink",
-        "Walgreens" => "Personal Care",
+        "Walgreens" => "Healthcare",
         "Nike" => "Shopping",
-        "Uber" => "Auto & Transport",
-        "Netflix" => "Entertainment",
-        "Spotify" => "Entertainment",
-        "Delta Airlines" => "Travel",
-        "Airbnb" => "Travel",
-        "Sephora" => "Personal Care"
+        "Uber" => "Transportation",
+        "Netflix" => "Subscriptions",
+        "Spotify" => "Subscriptions",
+        "Delta Airlines" => "Transportation",
+        "Airbnb" => "Housing",
+        "Sephora" => "Shopping"
       }
 
       categories.find { |c| c.name == mapping[merchant.name] }

app/models/family.rb

@@ -1,5 +1,7 @@
 class Family < ApplicationRecord
-  DATE_FORMATS = [ "%m-%d-%Y", "%d-%m-%Y", "%Y-%m-%d", "%d/%m/%Y", "%Y/%m/%d", "%m/%d/%Y", "%e/%m/%Y", "%Y.%m.%d" ]
+  include Plaidable, Syncable
+
+  DATE_FORMATS = [ "%m-%d-%Y", "%d.%m.%Y", "%d-%m-%Y", "%Y-%m-%d", "%d/%m/%Y", "%Y/%m/%d", "%m/%d/%Y", "%e/%m/%Y", "%Y.%m.%d" ]
 
   include Providable
 
@@ -7,17 +9,71 @@ class Family < ApplicationRecord
   has_many :invitations, dependent: :destroy
   has_many :tags, dependent: :destroy
   has_many :accounts, dependent: :destroy
-  has_many :institutions, dependent: :destroy
   has_many :imports, dependent: :destroy
   has_many :transactions, through: :accounts
   has_many :entries, through: :accounts
   has_many :categories, dependent: :destroy
   has_many :merchants, dependent: :destroy
   has_many :issues, through: :accounts
+  has_many :holdings, through: :accounts
+  has_many :plaid_items, dependent: :destroy
+  has_many :budgets, dependent: :destroy
+  has_many :budget_categories, through: :budgets
 
   validates :locale, inclusion: { in: I18n.available_locales.map(&:to_s) }
   validates :date_format, inclusion: { in: DATE_FORMATS }
 
+  def sync_data(start_date: nil)
+    update!(last_synced_at: Time.current)
+
+    accounts.manual.each do |account|
+      account.sync_data(start_date: start_date)
+    end
+
+    plaid_data = []
+
+    plaid_items.each do |plaid_item|
+      plaid_data << plaid_item.sync_data(start_date: start_date)
+    end
+
+    plaid_data
+  end
+
+  def post_sync
+    broadcast_refresh
+  end
+
+  def syncing?
+    super || accounts.manual.any?(&:syncing?) || plaid_items.any?(&:syncing?)
+  end
+
+  def get_link_token(webhooks_url:, redirect_url:, accountable_type: nil)
+    return nil unless plaid_provider
+
+    plaid_provider.get_link_token(
+      user_id: id,
+      webhooks_url: webhooks_url,
+      redirect_url: redirect_url,
+      accountable_type: accountable_type
+    ).link_token
+  end
+
+  def income_categories_with_totals(date: Date.current)
+    categories_with_stats(classification: "income", date: date)
+  end
+
+  def expense_categories_with_totals(date: Date.current)
+    categories_with_stats(classification: "expense", date: date)
+  end
+
+  def category_stats
+    CategoryStats.new(self)
+  end
+
+  def budgeting_stats
+    BudgetingStats.new(self)
+  end
+
   def snapshot(period = Period.all)
     query = accounts.active.joins(:balances)
               .where("account_balances.currency = ?", self.currency)
@@ -44,7 +100,9 @@ class Family < ApplicationRecord
 
   def snapshot_account_transactions
     period = Period.last_30_days
-    results = accounts.active.joins(:entries)
+    results = accounts.active
+                      .joins(:entries)
+                      .joins("LEFT JOIN transfers ON (transfers.inflow_transaction_id = account_entries.entryable_id OR transfers.outflow_transaction_id = account_entries.entryable_id)")
                       .select(
                         "accounts.*",
                         "COALESCE(SUM(account_entries.amount) FILTER (WHERE account_entries.amount > 0), 0) AS spending",
@@ -52,8 +110,8 @@ class Family < ApplicationRecord
                       )
                       .where("account_entries.date >= ?", period.date_range.begin)
                       .where("account_entries.date <= ?", period.date_range.end)
-                      .where("account_entries.marked_as_transfer = ?", false)
-                      .where("account_entries.entryable_type = ?", "Account::Transaction")
+                      .where("account_entries.entryable_type = 'Account::Transaction'")
+                      .where("transfers.id IS NULL")
                       .group("accounts.id")
                       .having("SUM(ABS(account_entries.amount)) > 0")
                       .to_a
@@ -72,9 +130,7 @@ class Family < ApplicationRecord
   end
 
   def snapshot_transactions
-    candidate_entries = entries.account_transactions.without_transfers.excluding(
-      entries.joins(:account).where(amount: ..0, accounts: { classification: Account.classifications[:liability] })
-    )
+    candidate_entries = entries.account_transactions.incomes_and_expenses
     rolling_totals = Account::Entry.daily_rolling_totals(candidate_entries, self.currency, period: Period.last_30_days)
 
     spending = []
@@ -93,7 +149,7 @@ class Family < ApplicationRecord
 
       savings << {
         date: r.date,
-        value: r.rolling_income != 0 ? (r.rolling_income - r.rolling_spend) / r.rolling_income : 0.to_d
+        value: r.rolling_income != 0 ? ((r.rolling_income - r.rolling_spend) / r.rolling_income) : 0.to_d
       }
     end
 
@@ -116,24 +172,18 @@ class Family < ApplicationRecord
     Money.new(accounts.active.liabilities.map { |account| account.balance_money.exchange_to(currency, fallback_rate: 0) }.sum, currency)
   end
 
-  def sync(start_date: nil)
-    accounts.active.each do |account|
-      if account.needs_sync?
-        account.sync_later(start_date: start_date || account.last_sync_date)
-      end
-    end
-
-    update! last_synced_at: Time.now
-  end
-
-  def needs_sync?
-    last_synced_at.nil? || last_synced_at.to_date < Date.current
-  end
-
   def synth_usage
     self.class.synth_provider&.usage
   end
 
+  def synth_overage?
+    self.class.synth_provider&.usage&.utilization.to_i >= 100
+  end
+
+  def synth_valid?
+    self.class.synth_provider&.healthy?
+  end
+
   def subscribed?
     stripe_subscription_status == "active"
   end
@@ -141,4 +191,41 @@ class Family < ApplicationRecord
   def primary_user
     users.order(:created_at).first
   end
+
+  def oldest_entry_date
+    entries.order(:date).first&.date || Date.current
+  end
+
+  private
+    CategoriesWithTotals = Struct.new(:total_money, :category_totals, keyword_init: true)
+    CategoryWithStats = Struct.new(:category, :amount_money, :percentage, keyword_init: true)
+
+    def categories_with_stats(classification:, date: Date.current)
+      totals = category_stats.month_category_totals(date: date)
+
+      classified_totals = totals.category_totals.select { |t| t.classification == classification }
+
+      if classification == "income"
+        total = totals.total_income
+        categories_scope = categories.incomes
+      else
+        total = totals.total_expense
+        categories_scope = categories.expenses
+      end
+
+      categories_with_uncategorized = categories_scope + [ categories_scope.uncategorized ]
+
+      CategoriesWithTotals.new(
+        total_money: Money.new(total, currency),
+        category_totals: categories_with_uncategorized.map do |category|
+          ct = classified_totals.find { |ct| ct.category_id == category&.id }
+
+          CategoryWithStats.new(
+            category: category,
+            amount_money: Money.new(ct&.amount || 0, currency),
+            percentage: ct&.percentage || 0
+          )
+        end
+      )
+    end
 end

app/models/gapfiller.rb

@@ -1,48 +0,0 @@
-class Gapfiller
-  attr_reader :series
-
-  def initialize(series, start_date:, end_date:, cache:)
-    @series = series
-    @date_range = start_date..end_date
-    @cache = cache
-  end
-
-  def run
-    gapfilled_records = []
-
-    date_range.each do |date|
-      record = series.find { |r| r.date == date }
-
-      if should_gapfill?(date, record)
-        prev_record = gapfilled_records.find { |r| r.date == date - 1.day }
-
-        if prev_record
-          new_record = create_gapfilled_record(prev_record, date)
-          gapfilled_records << new_record
-        end
-      else
-        gapfilled_records << record if record
-      end
-    end
-
-    gapfilled_records
-  end
-
-  private
-    attr_reader :date_range, :cache
-
-    def should_gapfill?(date, record)
-      (date.on_weekend? || holiday?(date)) && record.nil?
-    end
-
-    def holiday?(date)
-      Holidays.on(date, :federalreserve, :us, :observed, :informal).any?
-    end
-
-    def create_gapfilled_record(prev_record, date)
-      new_record = prev_record.class.new(prev_record.attributes.except("id", "created_at", "updated_at"))
-      new_record.date = date
-      new_record.save! if cache
-      new_record
-    end
-end

app/models/import/account_mapping.rb

@@ -8,7 +8,7 @@ class Import::AccountMapping < Import::Mapping
   end
 
   def selectable_values
-    family_accounts = import.family.accounts.alphabetically.map { |account| [ account.name, account.id ] }
+    family_accounts = import.family.accounts.manual.alphabetically.map { |account| [ account.name, account.id ] }
 
     unless key.blank?
       family_accounts.unshift [ "Add as new account", CREATE_NEW_KEY ]

app/models/institution.rb

@@ -1,25 +0,0 @@
-class Institution < ApplicationRecord
-  belongs_to :family
-  has_many :accounts, dependent: :nullify
-  has_one_attached :logo
-
-  scope :alphabetically, -> { order(name: :asc) }
-
-  def sync
-    accounts.active.each do |account|
-      if account.needs_sync?
-        account.sync
-      end
-    end
-
-    update! last_synced_at: Time.now
-  end
-
-  def syncing?
-    accounts.active.any? { |account| account.syncing? }
-  end
-
-  def has_issues?
-    accounts.active.any? { |account| account.has_issues? }
-  end
-end

app/models/investment.rb

@@ -16,37 +16,6 @@ class Investment < ApplicationRecord
     [ "Angel", "angel" ]
   ].freeze
 
-  def value
-    account.balance_money + holdings_value
-  end
-
-  def holdings_value
-    account.holdings.current.known_value.sum(&:amount) || Money.new(0, account.currency)
-  end
-
-  def series(period: Period.all, currency: account.currency)
-    balance_series = account.balances.in_period(period).where(currency: currency)
-    holding_series = account.holdings.known_value.in_period(period).where(currency: currency)
-
-    holdings_by_date = holding_series.group_by(&:date).transform_values do |holdings|
-      holdings.sum(&:amount)
-    end
-
-    combined_series = balance_series.map do |balance|
-      holding_amount = holdings_by_date[balance.date] || 0
-
-      { date: balance.date, value: Money.new(balance.balance + holding_amount, currency) }
-    end
-
-    if combined_series.empty? && period.date_range.end == Date.current
-      TimeSeries.new([ { date: Date.current, value: self.value.exchange_to(currency) } ])
-    else
-      TimeSeries.new(combined_series)
-    end
-  rescue Money::ConversionError
-    TimeSeries.new([])
-  end
-
   def color
     "#1570EF"
   end

app/models/plaid_account.rb

@@ -0,0 +1,159 @@
+class PlaidAccount < ApplicationRecord
+  include Plaidable
+
+  TYPE_MAPPING = {
+    "depository" => Depository,
+    "credit" => CreditCard,
+    "loan" => Loan,
+    "investment" => Investment,
+    "other" => OtherAsset
+  }
+
+  belongs_to :plaid_item
+
+  has_one :account, dependent: :destroy
+
+  accepts_nested_attributes_for :account
+
+  class << self
+    def find_or_create_from_plaid_data!(plaid_data, family)
+      find_or_create_by!(plaid_id: plaid_data.account_id) do |a|
+        a.account = family.accounts.new(
+          name: plaid_data.name,
+          balance: plaid_data.balances.current,
+          currency: plaid_data.balances.iso_currency_code,
+          accountable: TYPE_MAPPING[plaid_data.type].new
+        )
+      end
+    end
+  end
+
+  def sync_account_data!(plaid_account_data)
+    update!(
+      current_balance: plaid_account_data.balances.current,
+      available_balance: plaid_account_data.balances.available,
+      currency: plaid_account_data.balances.iso_currency_code,
+      plaid_type: plaid_account_data.type,
+      plaid_subtype: plaid_account_data.subtype,
+      account_attributes: {
+        id: account.id,
+        # Plaid guarantees at least 1 of these
+        balance: plaid_account_data.balances.current || plaid_account_data.balances.available,
+        cash_balance: derive_plaid_cash_balance(plaid_account_data.balances)
+      }
+    )
+  end
+
+  def sync_investments!(transactions:, holdings:, securities:)
+    PlaidInvestmentSync.new(self).sync!(transactions:, holdings:, securities:)
+  end
+
+  def sync_credit_data!(plaid_credit_data)
+    account.update!(
+      accountable_attributes: {
+        id: account.accountable_id,
+        minimum_payment: plaid_credit_data.minimum_payment_amount,
+        apr: plaid_credit_data.aprs.first&.apr_percentage
+      }
+    )
+  end
+
+  def sync_mortgage_data!(plaid_mortgage_data)
+    create_initial_loan_balance(plaid_mortgage_data)
+
+    account.update!(
+      accountable_attributes: {
+        id: account.accountable_id,
+        rate_type: plaid_mortgage_data.interest_rate&.type,
+        interest_rate: plaid_mortgage_data.interest_rate&.percentage
+      }
+    )
+  end
+
+  def sync_student_loan_data!(plaid_student_loan_data)
+    create_initial_loan_balance(plaid_student_loan_data)
+
+    account.update!(
+      accountable_attributes: {
+        id: account.accountable_id,
+        rate_type: "fixed",
+        interest_rate: plaid_student_loan_data.interest_rate_percentage
+      }
+    )
+  end
+
+  def sync_transactions!(added:, modified:, removed:)
+    added.each do |plaid_txn|
+      account.entries.find_or_create_by!(plaid_id: plaid_txn.transaction_id) do |t|
+        t.name = plaid_txn.name
+        t.amount = plaid_txn.amount
+        t.currency = plaid_txn.iso_currency_code
+        t.date = plaid_txn.date
+        t.entryable = Account::Transaction.new(
+          category: get_category(plaid_txn.personal_finance_category.primary),
+          merchant: get_merchant(plaid_txn.merchant_name)
+        )
+      end
+    end
+
+    modified.each do |plaid_txn|
+      existing_txn = account.entries.find_by(plaid_id: plaid_txn.transaction_id)
+
+      existing_txn.update!(
+        amount: plaid_txn.amount,
+        date: plaid_txn.date
+      )
+    end
+
+    removed.each do |plaid_txn|
+      account.entries.find_by(plaid_id: plaid_txn.transaction_id)&.destroy
+    end
+  end
+
+  private
+    def family
+      plaid_item.family
+    end
+
+    def transfer?(plaid_txn)
+      transfer_categories = [ "TRANSFER_IN", "TRANSFER_OUT", "LOAN_PAYMENTS" ]
+
+      transfer_categories.include?(plaid_txn.personal_finance_category.primary)
+    end
+
+    def create_initial_loan_balance(loan_data)
+      if loan_data.origination_principal_amount.present? && loan_data.origination_date.present?
+        account.entries.find_or_create_by!(plaid_id: loan_data.account_id) do |e|
+          e.name = "Initial Principal"
+          e.amount = loan_data.origination_principal_amount
+          e.currency = account.currency
+          e.date = loan_data.origination_date
+          e.entryable = Account::Valuation.new
+        end
+      end
+    end
+
+    # See https://plaid.com/documents/transactions-personal-finance-category-taxonomy.csv
+    def get_category(plaid_category)
+      ignored_categories = [ "BANK_FEES", "TRANSFER_IN", "TRANSFER_OUT", "LOAN_PAYMENTS", "OTHER" ]
+
+      return nil if ignored_categories.include?(plaid_category)
+
+      family.categories.find_or_create_by!(name: plaid_category.titleize)
+    end
+
+    def get_merchant(plaid_merchant_name)
+      return nil if plaid_merchant_name.blank?
+
+      family.merchants.find_or_create_by!(name: plaid_merchant_name)
+    end
+
+    def derive_plaid_cash_balance(plaid_balances)
+      if account.investment?
+        plaid_balances.available || 0
+      else
+        # For now, we will not distinguish between "cash" and "overall" balance for non-investment accounts
+        plaid_balances.current || plaid_balances.available
+      end
+    end
+end