feat(finance): penalties & interest on arrears (#95)#99
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Simple (non-compound), opt-in, waivable interest on overdue dues. - computeInterest / sumApartmentInterest (shared): simple interest from due date + grace to as-of, at a configured annual rate. Rate always from config, never hardcoded (Bye-law 71 cap). - bill_config gains interest_enabled / interest_rate_pct / grace_period_days (migration 0022) + Zod + PUT wiring. - API: GET /bills/interest-preview (per-flat accrued, not charged), POST /bills/apply-interest (charges one-time interest bills per flat, mapped to Interest on Arrears Income, idempotent per period, posts to GL), and POST /bills/:id/cancel (waive with reason → status CANCELLED + §6.9 reversing ledger entry). Interest is excluded from its own base so it never compounds. - Ledger: JournalDraft carries reversal metadata; safeReverseBill posts the swapped-legs ADJUSTMENT for a cancelled bill. - Tests: computeInterest/grace/pro-rata units + interest route tests (auth, disabled-config, empty preview). Suite 333 green; web typechecks. Editable interest controls in the bill-config UI come with the consolidated M3.5 admin-UI pass; values are preserved on save meanwhile.
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The most-demanded treasurer feature: financial reports the society's CA can
consume. Dependency-free and Cloudflare-Workers-safe.
- lib/xlsx.ts: a from-scratch .xlsx writer — real OOXML SpreadsheetML zipped
with STORED entries + a hand-rolled CRC32, so no Node-only zip/xlsx lib is
needed on Workers. Validated with `unzip -t` (CRC OK) and openpyxl-shaped
structure.
- shared/export.ts (pure): report -> table (rows in rupees) for trial balance,
I&E, balance sheet, R&P, and dues; a CSV serializer; and a Tally-import XML
builder (ledger masters + vouchers, debit negative / credit positive).
- API: ?format=xlsx|csv on /reports/{trial-balance,income-expenditure,
balance-sheet,receipts-payments} and /bills/dues; GET /reports/tally-export
streams Tally XML (PAYMENT->Receipt, EXPENSE->Payment, else Journal).
- Tests: xlsx zip structure + inline-string/number/escaping, CSV escaping,
Tally envelope/signing/masters, table shaping. Suite 359 green.
Print-ready statement PDFs + the invoice ₹-glyph fix are the next export PR.
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- lib/statements-pdf.ts: a paginated A4 table renderer (pdf-lib) that turns any
report Table into a print-ready PDF — first column left-aligned, numeric
columns right-aligned, bold header rule. WinAnsi can't encode ₹ so amounts
render "Rs" (same limitation as the invoice PDF; documented).
- ?format=pdf on /reports/{trial-balance,income-expenditure,balance-sheet,
receipts-payments} alongside xlsx|csv.
- Smoke-tested: valid %PDF, reloads in pdf-lib; route tests assert the pdf/csv
content-types. Suite 361 green.
Completes #99 acceptance (3): Balance Sheet / I&E / R&P as print-ready PDF.
The invoice ₹-glyph fix needs a bundled Unicode TTF (fontkit) — left as a known
limitation, not attempted here.
ankitsejwal
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Surfaces the M3.5 accounting backend in the admin app (extends existing pages — no new routes). - admin/index.tsx: finance tiles — outstanding dues, collection rate, cash+bank. - admin/reports.tsx: statutory statements (Balance Sheet, I&E with mutual/ taxable split, Receipts & Payments, Trial Balance with balanced badges) each with PDF/Excel/CSV export buttons + a Tally XML export; and an aging section (0-30/31-60/61-90/90+ buckets + per-flat breakdown). - api.ts: getTrialBalance/getIncomeExpenditure/getBalanceSheet/ getReceiptsPayments/getAging + reportExportObjectUrl (auth-fetch downloads). - i18n: ~33 new keys (en + hi, parity test green). - Validated: web check-types, vite build, lint (0 errors), web tests 27 green.
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M3.5 · Task #95 — Interest on arrears (backend)
Automates what treasurers do by hand in Excel: simple, opt-in, waivable interest on overdue maintenance dues.
Domain (shared, unit-tested)
computeInterest(outstanding, dueDateMs, asOfMs, ratePct, graceDays)— simple interest from due date + grace to as-of. Zero inside grace / for a cleared balance / when the rate is off.sumApartmentInterest(...)across a flat's overdue bills.Config (migration 0022)
bill_configgainsinterest_enabled(default off),interest_rate_pct(18),grace_period_days(15) + Zod + PUT wiring.API
GET /bills/interest-preview?asOf=— per-flat accrued interest (preview, not charged).POST /bills/apply-interest?asOf=— charges a one-time interest bill per flat (mapped to Interest on Arrears Income), idempotent per period, posts to the GL. Interest bills are excluded from the base → never compounds.POST /bills/:id/cancel— waive with a reason: setsCANCELLEDand posts a §6.9 reversing ledger entry (swapped legs,is_reversal).Acceptance
Tests / notes
computeInterest (grace, pro-rata, full-year) + interest route tests (auth, disabled-config, empty preview). Suite 333 green, web typechecks. The editable interest controls in the bill-config editor come with the M3.5 admin-UI pass (values preserved on save meanwhile). Migration 0022 committed, not applied here.