monthlytracker/src/lib/insights.ts

import type { MonthlyInsight } from "@prisma/client";

import { db } from "@/lib/db";
import { getCurrentMonthKey } from "@/lib/date";
import { getDashboardSnapshot } from "@/lib/dashboard";
import { generateOllamaJson, OllamaUnavailableError } from "@/lib/ollama";

export type InsightResult = {
  insight: MonthlyInsight;
  source: "model" | "fallback";
};

type GeneratedInsightPayload = {
  summary?: string;
  recommendations?: string;
};

function coerceInsightText(value: unknown) {
  if (typeof value === "string") {
    return value.trim();
  }

  if (Array.isArray(value)) {
    return value
      .map((item) => (typeof item === "string" ? item.trim() : ""))
      .filter(Boolean)
      .join(" ")
      .trim();
  }

  if (value && typeof value === "object") {
    return Object.values(value)
      .map((item) => (typeof item === "string" ? item.trim() : ""))
      .filter(Boolean)
      .join(" ")
      .trim();
  }

  return "";
}

function buildFallbackInsight(month: string, reason: "sparse" | "unavailable") {
  if (reason === "unavailable") {
    return {
      summary: `Local insights are unavailable for ${month} because Ollama or the selected model is not reachable right now.`,
      recommendations:
        "Keep tracking manually for now. Once Ollama is running again, regenerate this month to get a private offline summary.",
    };
  }

  return {
    summary: `There is not enough activity in ${month} yet to generate a useful insight summary.`,
    recommendations:
      "Add more expenses or paychecks this month, then generate insights again for stronger spending and timing guidance.",
  };
}

function buildInsightPrompt(snapshot: Awaited<ReturnType<typeof getDashboardSnapshot>>) {
  return [
    "You are a private offline financial summarizer for a single-user expense tracker.",
    "Return strict JSON with keys summary and recommendations.",
    "Keep the tone practical, concise, and non-judgmental.",
    "Focus on spending patterns, category spikes, paycheck timing, and next-month guidance.",
    `Month: ${snapshot.month}`,
    `Total expenses cents: ${snapshot.totals.expensesCents}`,
    `Total paychecks cents: ${snapshot.totals.paychecksCents}`,
    `Net cash flow cents: ${snapshot.totals.netCashFlowCents}`,
    `Average daily spend cents: ${snapshot.totals.averageDailySpendCents}`,
    `Highest category: ${snapshot.comparisons.highestCategory ? `${snapshot.comparisons.highestCategory.category} ${snapshot.comparisons.highestCategory.amountCents}` : "none"}`,
    `Largest expense: ${snapshot.comparisons.largestExpense ? `${snapshot.comparisons.largestExpense.title} ${snapshot.comparisons.largestExpense.amountCents}` : "none"}`,
    `Category breakdown: ${JSON.stringify(snapshot.categoryBreakdown)}`,
    `Recent expenses: ${JSON.stringify(snapshot.recentExpenses)}`,
    `Daily chart points: ${JSON.stringify(snapshot.chart)}`,
  ].join("\n");
}

async function upsertMonthlyInsight(month: string, payload: { summary: string; recommendations: string; inputSnapshot: string }) {
  const year = Number.parseInt(month.slice(0, 4), 10);

  return db.monthlyInsight.upsert({
    where: { month },
    update: {
      year,
      summary: payload.summary,
      recommendations: payload.recommendations,
      inputSnapshot: payload.inputSnapshot,
      generatedAt: new Date(),
    },
    create: {
      month,
      year,
      summary: payload.summary,
      recommendations: payload.recommendations,
      inputSnapshot: payload.inputSnapshot,
    },
  });
}

export async function getStoredMonthlyInsight(month = getCurrentMonthKey()) {
  return db.monthlyInsight.findUnique({ where: { month } });
}

export async function generateMonthlyInsight(month = getCurrentMonthKey()): Promise<InsightResult> {
  const snapshot = await getDashboardSnapshot(month);
  const totalEvents = snapshot.recentExpenses.length + snapshot.chart.filter((point) => point.paychecksCents > 0).length;

  if (totalEvents < 2) {
    const fallback = buildFallbackInsight(month, "sparse");
    const insight = await upsertMonthlyInsight(month, {
      ...fallback,
      inputSnapshot: JSON.stringify(snapshot),
    });

    return { insight, source: "fallback" };
  }

  try {
    const generated = await generateOllamaJson<GeneratedInsightPayload>({
      prompt: buildInsightPrompt(snapshot),
    });

    const summary = coerceInsightText(generated.summary);
    const recommendations = coerceInsightText(generated.recommendations);

    if (!summary || !recommendations) {
      throw new OllamaUnavailableError("The local model returned an incomplete insight response.");
    }

    const insight = await upsertMonthlyInsight(month, {
      summary,
      recommendations,
      inputSnapshot: JSON.stringify(snapshot),
    });

    return { insight, source: "model" };
  } catch (error) {
    if (!(error instanceof OllamaUnavailableError)) {
      throw error;
    }

    const fallback = buildFallbackInsight(month, "unavailable");
    const insight = await upsertMonthlyInsight(month, {
      ...fallback,
      inputSnapshot: JSON.stringify(snapshot),
    });

    return { insight, source: "fallback" };
  }
}