💳 DebtFreePro

Smart debt payoff using the proven snowball method

DebtFreePro is a React Native application that helps users track and eliminate their debt using the snowball method. The app features document upload capabilities for credit card statements and automatic debt tracking with a JSON-based data store.

🚀 Current Project Status

✅ Implemented Features

Core Debt Management:

• Debt snowball strategy calculation with payoff projections
• Dynamic dashboard with real-time debt summaries
• JSON-based data persistence for all debt and statement data
• Support for multiple debt types (Credit Card, Auto Loan, Line of Credit, etc.)
• Manual debt entry with comprehensive validation
• Complete debt editing functionality for consecutive monthly updates
• Debt type conversions and account modifications

Document Upload & Processing:

• CSV and PDF document upload from device storage
• Automatic statement parsing and validation
• PDF manual entry fallback with graceful degradation
• Smart debt ID management and temporary state handling
• Transaction categorization and analysis
• Statement-to-debt linking with confidence scoring
• File validation with comprehensive error handling

Data Architecture:

• Local JSON data store with full CRUD operations
• Enhanced DataStoreService with overloaded debt creation methods
• Extended debt interface with account number and due date fields
• Statement history tracking per debt account
• Automatic debt balance updates from uploaded statements
• Settings management (extra payments, strategy type, currency)
• Data export/import functionality

User Interface:

• Modern React Native UI with card-based design
• ManualDebtEntryModal for creating debts from PDF uploads
• EditDebtModal for updating existing debt information
• Previous value hints and validation feedback
• Progress tracking and payoff projections
• Loading states and error handling
• Dynamic next steps based on current debt strategy

🏗️ Architecture Overview

DebtFreePro/
├── src/
│   ├── components/          # Reusable UI components
│   │   ├── DebtCard.tsx     # Individual debt display
│   │   ├── ProgressBar.tsx  # Progress visualization
│   │   ├── StatCard.tsx     # Summary statistics
│   │   ├── DocumentUpload.tsx        # PDF/CSV upload with smart routing
│   │   ├── ManualDebtEntryModal.tsx  # Create debt from PDF upload
│   │   └── EditDebtModal.tsx         # Edit existing debt details
│   ├── data/
│   │   └── debts.json       # Initial data store template
│   ├── screens/
│   │   └── Dashboard.tsx    # Main application screen
│   ├── services/            # Business logic layer
│   │   ├── DataStoreService.ts           # JSON data persistence (enhanced)
│   │   ├── DebtService.ts                # Debt calculations (snowball)
│   │   ├── DocumentUploadService.ts      # File upload handling
│   │   ├── DocumentValidationService.ts  # CSV/PDF validation
│   │   ├── DocumentManagerService.ts     # Upload orchestration (enhanced)
│   │   ├── StatementProcessingService.ts # Statement analysis (enhanced)
│   │   └── PDFParsingService.ts          # PDF processing (manual entry)
│   └── types/               # TypeScript interfaces
│       ├── Debt.ts          # Debt data structures
│       ├── Statement.ts     # Statement/transaction types
│       └── Strategy.ts      # Payoff strategy types
└── __tests__/               # Comprehensive test suite
    ├── fixtures/            # Sample CSV data for testing
    ├── services/            # Service layer tests
    └── integration/         # End-to-end tests

📊 Data Flow

1. Document Upload Pipeline:

   User selects file → DocumentUploadService validates → 
   DocumentValidationService parses → DocumentManagerService processes → 
   [IF PDF + no data] → ManualDebtEntryModal → DataStoreService persists → 
   [IF data extracted] → Automatic processing → Dashboard updates
   

2. Manual Debt Entry Flow:

   PDF Upload → No extractable data → ManualDebtEntryModal → 
   User enters debt details → DataStoreService.addDebt() → 
   Temporary debt ID state → StatementProcessingService links → 
   Dashboard updates
   

3. Monthly Debt Update Flow:

   User opens EditDebtModal → Updates balance/payments → 
   DataStoreService.updateDebt() → Preserves statement relationships → 
   Dashboard reflects changes
   

4. Data Persistence:

   JSON Store (debts.json) ↔ DataStoreService ↔ Components
   Enhanced with dual interface support (CreateDebtParams | Debt)
   

🧪 Testing Coverage

• Unit Tests: 49+ tests covering all service layers (including enhanced DataStoreService)
• Integration Tests: 30+ tests covering complete workflows
  • ManualDebtEntry.integration.test.ts (12 tests)
  • DebtEditing.integration.test.ts (11 tests)
  • PDFProcessing.integration.test.ts (7 tests)
• Mock Infrastructure: Complete React Native module mocking
• Test Fixtures: Sample credit card, bank, and line of credit statements

Test Execution:

npm test                    # Run all tests
npm test -- services       # Run service tests only
npm run lint               # Code quality checks

🔧 Technology Stack

Core:

• React Native 0.80.1
• TypeScript 5.0.4
• React 19.1.0

File Handling:

• react-native-fs: File system operations
• react-native-document-picker: Document selection UI

Development:

• Jest: Testing framework
• ESLint: Code linting
• Babel: JavaScript transpilation

Data Management:

• Local JSON file storage
• No external database dependencies
• Automatic data migration and validation

📁 Key Data Structures

Enhanced Debt Interface:

interface Debt {
  id: string;
  name: string;
  type: DebtType;
  balance: number;
  minimumPayment: number;
  interestRate: number;
  lastUpdated: Date;
  institution?: string;
  accountNumber?: string;    // NEW: Last 4 digits
  dueDate?: number;         // NEW: Day of month (1-31)
}

Statement Interface:

interface Statement {
  id: string;
  debtId: string;
  statementDate: Date;
  balance: number;
  minimumPayment: number;
  dueDate: Date;
  interestCharged: number;
  payments: StatementPayment[];
  purchases: StatementTransaction[];
  fileName?: string;
  imported: Date;
}

DataStore Structure:

interface DataStore {
  debts: Debt[];
  statements: Statement[];
  settings: {
    extraPayment: number;
    strategy: 'SNOWBALL' | 'AVALANCHE';
    currency: string;
  };
}

🎯 Document Processing Capabilities

Supported Formats:

• CSV files with multiple header formats
• PDF files with manual entry fallback (automatic extraction gracefully degrades)

CSV Header Support:

• Date, Amount, Description
• Transaction Date, Transaction Amount, Description
• Posted Date, Debit, Credit, Description
• Automatic detection of credit card vs. line of credit statements

Validation Features:

• File type and size validation (10MB limit)
• CSV structure and data integrity checks
• Date and amount format validation
• Automatic transaction categorization
• Document type detection (credit card, line of credit, etc.)

🎨 UI Components Status

Dashboard Features:

• Real-time debt summary cards
• Progress visualization with percentage complete
• Dynamic next steps based on snowball strategy
• Responsive design with proper loading states

Modal Components:

• ManualDebtEntryModal: Complete debt creation from PDF uploads
• EditDebtModal: Monthly balance updates and debt management
• Previous value hints for easy comparison during edits
• Comprehensive validation with user-friendly error messages

Styling:

• Modern card-based design with shadows
• Consistent color scheme (grays, greens for success)
• Emoji icons for visual appeal
• Canadian dollar formatting

🚀 Getting Started

Prerequisites

• Node.js >= 18
• React Native development environment set up
• iOS Simulator or Android Emulator

Installation

1. Clone and install dependencies:

   git clone [repository-url]
   cd DebtFreePro
   npm install

2. iOS Setup:

   cd ios
   bundle install
   bundle exec pod install
   cd ..

3. Run the application:

   # Start Metro bundler
   npm start
   
   # Run on iOS
   npm run ios
   
   # Run on Android
   npm run android

Development Workflow

1. Code Quality:

   npm run lint          # Check code style
   npm test              # Run test suite

2. Testing with Sample Data:

   • Sample CSV files available in __tests__/fixtures/
   • Use document picker in app to upload test statements
   • Check src/data/debts.json for initial debt data

3. Data Management:

   • App data stored in device's document directory
   • Initial data loaded from src/data/debts.json
   • Use DataStoreService for programmatic data access

🔄 Next Development Priorities

⚠️ Domain Model Refactoring (High Priority)

The current models have become overloaded and need refactoring for better separation of concerns:

Current Issues:

• Debt interface handles both account info and financial state
• Statement interface mixes document metadata with transaction data
• DataStoreService manages too many responsibilities
• Mixed concerns between document processing and debt management

Planned Refactoring:

1. Separate Account from Debt: Create DebtAccount (institution, account#, type) vs DebtBalance (amount, rate, payment)
2. Extract Document Model: Separate Document entity from Statement financial data
3. Split Service Responsibilities: Separate account management from transaction processing
4. Normalize Data Relationships: Better foreign key relationships between entities

High Priority (After Refactoring)

1. Settings Screen: Configure extra payments and strategy preferences
2. Statement Review UI: Screen to review and edit parsed transactions
3. Enhanced PDF Processing: Implement OCR or PDF text extraction
4. Data Migration: Handle schema changes gracefully

Medium Priority

1. Data Visualization: Charts for debt progress and trends
2. Payment Reminders: Notification system for due dates
3. Export Features: PDF reports and CSV exports
4. Backup/Sync: Cloud storage integration

Low Priority

1. Advanced Analytics: Spending categorization and insights
2. Multiple Strategies: Implement debt avalanche method
3. Goal Setting: Custom payoff date targets
4. Educational Content: Debt management tips and resources

🧪 Testing Philosophy

The project maintains comprehensive test coverage with:

• Unit Tests: Every service method tested with mocks
• Integration Tests: Real CSV processing with sample data
• Error Scenarios: Malformed data and edge cases covered
• Performance Tests: Large file processing validation

Test files mirror the source structure and include realistic sample data for thorough validation.

📝 Development Notes

Current Limitations

• PDF parsing requires manual entry (automatic extraction not implemented)
• Domain models are overloaded and need refactoring
• No cloud sync or backup functionality
• Single user support only
• Limited to snowball method (avalanche planned)

Code Conventions

• TypeScript strict mode enabled
• ESLint with React Native preset
• Functional components with hooks
• Service layer pattern for business logic
• Comprehensive error handling throughout

Data Persistence Strategy

• Local JSON file storage for simplicity
• Automatic backup on data changes
• Migration support for future schema changes
• No external dependencies or network requirements