05/31 Phase 6

app/__init__.py

@@ -27,6 +27,7 @@ def create_app(config_name=None):
     from app.routes.goals import goals_bp
     from app.routes.investments import investments_bp
     from app.routes.ai import ai_bp
+    from app.routes.reports import reports_bp
 
     app.register_blueprint(auth_bp)
     app.register_blueprint(dashboard_bp)
@@ -37,6 +38,7 @@ def create_app(config_name=None):
     app.register_blueprint(goals_bp)
     app.register_blueprint(investments_bp)
     app.register_blueprint(ai_bp)
+    app.register_blueprint(reports_bp)
 
     with app.app_context():
         from app.models import (

app/routes/reports.py

@@ -0,0 +1,219 @@
+from flask import (Blueprint, render_template, request, redirect, url_for,
+                   Response, flash, send_file)
+from flask_login import login_required, current_user
+from app.models.transaction import Transaction
+from app.services.report_service import (
+    monthly_report, quarterly_report, yearly_report,
+    net_worth_history, category_trends, tax_year_summary,
+    take_net_worth_snapshot,
+)
+from app.services.export_service import (
+    transactions_to_csv, transactions_to_excel,
+    report_to_pdf, build_report_html,
+)
+from datetime import date
+import io
+
+reports_bp = Blueprint('reports', __name__, url_prefix='/reports')
+
+_CUR_YEAR = date.today().year
+_CUR_MONTH = date.today().month
+
+
+@reports_bp.route('/')
+@login_required
+def index():
+    today = date.today()
+    # Default: current month summary
+    report = monthly_report(today.year, today.month)
+    nw_history = net_worth_history()
+    cat_trend = category_trends(6)
+
+    years = list(range(_CUR_YEAR, _CUR_YEAR - 5, -1))
+    return render_template('reports/index.html',
+                           report=report,
+                           nw_history=nw_history,
+                           cat_trend=cat_trend,
+                           years=years,
+                           current_year=_CUR_YEAR,
+                           current_month=_CUR_MONTH,
+                           report_type='monthly',
+                           selected_year=today.year,
+                           selected_month=today.month,
+                           selected_quarter=None)
+
+
+@reports_bp.route('/monthly')
+@login_required
+def monthly():
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    month = request.args.get('month', _CUR_MONTH, type=int)
+    report = monthly_report(year, month)
+    nw_history = net_worth_history()
+    cat_trend = category_trends(6)
+    years = list(range(_CUR_YEAR, _CUR_YEAR - 5, -1))
+    return render_template('reports/index.html',
+                           report=report,
+                           nw_history=nw_history,
+                           cat_trend=cat_trend,
+                           years=years,
+                           current_year=_CUR_YEAR,
+                           current_month=_CUR_MONTH,
+                           report_type='monthly',
+                           selected_year=year,
+                           selected_month=month,
+                           selected_quarter=None)
+
+
+@reports_bp.route('/quarterly')
+@login_required
+def quarterly():
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    quarter = request.args.get('quarter', ((_CUR_MONTH - 1) // 3) + 1, type=int)
+    report = quarterly_report(year, quarter)
+    nw_history = net_worth_history()
+    cat_trend = category_trends(6)
+    years = list(range(_CUR_YEAR, _CUR_YEAR - 5, -1))
+    return render_template('reports/index.html',
+                           report=report,
+                           nw_history=nw_history,
+                           cat_trend=cat_trend,
+                           years=years,
+                           current_year=_CUR_YEAR,
+                           current_month=_CUR_MONTH,
+                           report_type='quarterly',
+                           selected_year=year,
+                           selected_month=None,
+                           selected_quarter=quarter)
+
+
+@reports_bp.route('/yearly')
+@login_required
+def yearly():
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    report = yearly_report(year)
+    nw_history = net_worth_history()
+    cat_trend = category_trends(12)
+    years = list(range(_CUR_YEAR, _CUR_YEAR - 5, -1))
+    return render_template('reports/index.html',
+                           report=report,
+                           nw_history=nw_history,
+                           cat_trend=cat_trend,
+                           years=years,
+                           current_year=_CUR_YEAR,
+                           current_month=_CUR_MONTH,
+                           report_type='yearly',
+                           selected_year=year,
+                           selected_month=None,
+                           selected_quarter=None)
+
+
+@reports_bp.route('/tax')
+@login_required
+def tax():
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    report = tax_year_summary(year)
+    years = list(range(_CUR_YEAR, _CUR_YEAR - 5, -1))
+    return render_template('reports/tax.html',
+                           report=report,
+                           years=years,
+                           selected_year=year)
+
+
+# ── Exports ───────────────────────────────────────────────────────────────────
+
+@reports_bp.route('/export/csv')
+@login_required
+def export_csv():
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    month = request.args.get('month', type=int)
+    txn_type = request.args.get('type', 'all')
+
+    query = Transaction.query.filter(
+        Transaction.date >= date(year, month if month else 1, 1),
+        Transaction.date <= date(year, month if month else 12,
+                                  31 if not month else
+                                  __import__('calendar').monthrange(year, month)[1]),
+    )
+    if txn_type != 'all':
+        query = query.filter(Transaction.transaction_type == txn_type)
+    transactions = query.order_by(Transaction.date.desc()).all()
+
+    csv_data = transactions_to_csv(transactions)
+    label = f'{year}-{month:02d}' if month else str(year)
+    filename = f'pfm_transactions_{label}.csv'
+
+    return Response(
+        csv_data,
+        mimetype='text/csv',
+        headers={'Content-Disposition': f'attachment; filename="{filename}"'}
+    )
+
+
+@reports_bp.route('/export/excel')
+@login_required
+def export_excel():
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    month = request.args.get('month', type=int)
+
+    query = Transaction.query.filter(
+        Transaction.date >= date(year, month if month else 1, 1),
+        Transaction.date <= date(year, month if month else 12,
+                                  31 if not month else
+                                  __import__('calendar').monthrange(year, month)[1]),
+        Transaction.transaction_type.in_(['income', 'expense']),
+    )
+    transactions = query.order_by(Transaction.date.desc()).all()
+
+    label = f'{year}-{month:02d}' if month else str(year)
+    period_label = f'{year} Month {month}' if month else str(year)
+    excel_bytes = transactions_to_excel(transactions, period_label)
+    filename = f'pfm_transactions_{label}.xlsx'
+
+    return send_file(
+        io.BytesIO(excel_bytes),
+        mimetype='application/vnd.openxmlformats-officedocument.spreadsheetml.sheet',
+        as_attachment=True,
+        download_name=filename,
+    )
+
+
+@reports_bp.route('/export/pdf')
+@login_required
+def export_pdf():
+    report_type = request.args.get('type', 'monthly')
+    year = request.args.get('year', _CUR_YEAR, type=int)
+    month = request.args.get('month', _CUR_MONTH, type=int)
+    quarter = request.args.get('quarter', 1, type=int)
+
+    if report_type == 'yearly':
+        report = yearly_report(year)
+    elif report_type == 'quarterly':
+        report = quarterly_report(year, quarter)
+    else:
+        report = monthly_report(year, month)
+
+    symbol = current_user.currency_symbol or '$'
+    html = build_report_html(report, report_type, symbol)
+    pdf = report_to_pdf(html)
+
+    if pdf is None:
+        flash('PDF generation failed. WeasyPrint may not be installed.', 'danger')
+        return redirect(url_for('reports.index'))
+
+    filename = f'pfm_report_{report["period"].replace(" ", "_")}.pdf'
+    return send_file(
+        io.BytesIO(pdf),
+        mimetype='application/pdf',
+        as_attachment=True,
+        download_name=filename,
+    )
+
+
+@reports_bp.route('/snapshot', methods=['POST'])
+@login_required
+def manual_snapshot():
+    """Manually trigger a net worth snapshot."""
+    snap = take_net_worth_snapshot()
+    flash(f'Net worth snapshot saved: {snap.snapshot_date.strftime("%B %d, %Y")}', 'success')
+    return redirect(url_for('reports.index'))

app/services/export_service.py

@@ -0,0 +1,199 @@
+"""
+Export Service — CSV, Excel, and PDF generation for transactions and reports.
+"""
+
+import io
+import csv
+from datetime import date
+from flask import current_app
+from app.models.transaction import Transaction
+
+
+# ── CSV export ────────────────────────────────────────────────────────────────
+
+def transactions_to_csv(transactions):
+    """Return a CSV string of transactions."""
+    output = io.StringIO()
+    writer = csv.writer(output)
+
+    writer.writerow(['Date', 'Type', 'Description', 'Category', 'Account', 'Amount', 'Notes'])
+    for txn in transactions:
+        writer.writerow([
+            txn.date.strftime('%Y-%m-%d'),
+            txn.transaction_type,
+            txn.description,
+            txn.category.name if txn.category else '',
+            txn.account.name if txn.account else '',
+            float(txn.amount),
+            txn.notes or '',
+        ])
+
+    output.seek(0)
+    return output.getvalue()
+
+
+# ── Excel export ──────────────────────────────────────────────────────────────
+
+def transactions_to_excel(transactions, period_label='Transactions'):
+    """Return Excel bytes for a list of transactions."""
+    from openpyxl import Workbook
+    from openpyxl.styles import Font, PatternFill, Alignment, Border, Side
+    from openpyxl.utils import get_column_letter
+
+    wb = Workbook()
+    ws = wb.active
+    ws.title = period_label[:31]  # max 31 chars
+
+    symbol = current_app.config.get('APP_CURRENCY_SYMBOL', '$')
+
+    # Header style
+    header_fill = PatternFill(start_color='0F172A', end_color='0F172A', fill_type='solid')
+    header_font = Font(color='F1F5F9', bold=True, size=10)
+    thin = Side(style='thin', color='E2E8F0')
+    border = Border(bottom=Side(style='thin', color='E2E8F0'))
+
+    headers = ['Date', 'Type', 'Description', 'Category', 'Account', f'Amount ({symbol})', 'Notes']
+    col_widths = [12, 10, 40, 18, 18, 16, 30]
+
+    for col, (header, width) in enumerate(zip(headers, col_widths), 1):
+        cell = ws.cell(row=1, column=col, value=header)
+        cell.font = header_font
+        cell.fill = header_fill
+        cell.alignment = Alignment(horizontal='left', vertical='center')
+        ws.column_dimensions[get_column_letter(col)].width = width
+
+    ws.row_dimensions[1].height = 22
+
+    # Data rows
+    income_fill = PatternFill(start_color='F0FDF4', end_color='F0FDF4', fill_type='solid')
+    expense_fill = PatternFill(start_color='FFF7F7', end_color='FFF7F7', fill_type='solid')
+
+    for row_num, txn in enumerate(transactions, 2):
+        fill = income_fill if txn.transaction_type == 'income' else expense_fill
+        data = [
+            txn.date.strftime('%Y-%m-%d'),
+            txn.transaction_type.title(),
+            txn.description,
+            txn.category.name if txn.category else '',
+            txn.account.name if txn.account else '',
+            float(txn.amount),
+            txn.notes or '',
+        ]
+        for col, value in enumerate(data, 1):
+            cell = ws.cell(row=row_num, column=col, value=value)
+            cell.fill = fill
+            cell.border = border
+            cell.font = Font(size=10)
+            if col == 6:
+                cell.number_format = f'#,##0.00'
+                cell.alignment = Alignment(horizontal='right')
+
+    # Totals row
+    total_row = len(transactions) + 2
+    ws.cell(row=total_row, column=5, value='TOTAL').font = Font(bold=True, size=10)
+    total_cell = ws.cell(row=total_row, column=6,
+                          value=sum(float(t.amount) for t in transactions))
+    total_cell.font = Font(bold=True, size=10)
+    total_cell.number_format = f'#,##0.00'
+    total_cell.alignment = Alignment(horizontal='right')
+
+    output = io.BytesIO()
+    wb.save(output)
+    output.seek(0)
+    return output.getvalue()
+
+
+# ── PDF export ────────────────────────────────────────────────────────────────
+
+def report_to_pdf(html_content):
+    """Convert HTML string to PDF bytes using WeasyPrint."""
+    try:
+        from weasyprint import HTML, CSS
+        pdf = HTML(string=html_content).write_pdf()
+        return pdf
+    except Exception as e:
+        import logging
+        logging.getLogger(__name__).error(f'[export] PDF generation failed: {e}')
+        return None
+
+
+def build_report_html(report_data, report_type, currency_symbol='$'):
+    """Build a clean HTML string for PDF export."""
+    today = date.today().strftime('%B %d, %Y')
+    period = report_data.get('period', '')
+    income = report_data.get('income', 0)
+    expense = report_data.get('expense', 0)
+    net = report_data.get('net', 0)
+    savings_rate = report_data.get('savings_rate', 0)
+
+    def fmt(v):
+        return f"{currency_symbol}{abs(float(v)):,.2f}"
+
+    # Expense categories table rows
+    cat_rows = ''
+    total_exp = sum(c['total'] for c in report_data.get('expense_categories', []))
+    for cat in report_data.get('expense_categories', []):
+        pct = round(cat['total'] / total_exp * 100, 1) if total_exp > 0 else 0
+        cat_rows += f'''
+        <tr>
+            <td>{cat['name']}</td>
+            <td style="text-align:right">{fmt(cat['total'])}</td>
+            <td style="text-align:right">{pct}%</td>
+        </tr>'''
+
+    html = f'''<!DOCTYPE html>
+<html>
+<head>
+<meta charset="UTF-8">
+<style>
+  body {{ font-family: Arial, sans-serif; font-size: 12px; color: #1e293b; margin: 40px; }}
+  h1 {{ font-size: 22px; color: #0f172a; border-bottom: 2px solid #3b82f6; padding-bottom: 8px; }}
+  h2 {{ font-size: 14px; color: #475569; margin-top: 24px; }}
+  .summary {{ display: flex; gap: 20px; margin: 16px 0; }}
+  .stat {{ background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; padding: 12px 16px; flex: 1; }}
+  .stat-label {{ font-size: 10px; text-transform: uppercase; letter-spacing: .06em; color: #94a3b8; }}
+  .stat-value {{ font-size: 18px; font-weight: bold; margin-top: 4px; }}
+  .income {{ color: #10b981; }}
+  .expense {{ color: #ef4444; }}
+  .net-pos {{ color: #3b82f6; }}
+  .net-neg {{ color: #ef4444; }}
+  table {{ width: 100%; border-collapse: collapse; margin-top: 8px; }}
+  th {{ background: #0f172a; color: #f1f5f9; padding: 8px 10px; font-size: 10px; text-align: left; }}
+  td {{ padding: 7px 10px; border-bottom: 1px solid #f1f5f9; }}
+  tr:nth-child(even) {{ background: #f8fafc; }}
+  .footer {{ margin-top: 30px; font-size: 10px; color: #94a3b8; text-align: center; }}
+</style>
+</head>
+<body>
+<h1>Personal Finance Report — {period}</h1>
+<p style="color:#94a3b8;font-size:11px;">Generated {today}</p>
+
+<div class="summary">
+  <div class="stat">
+    <div class="stat-label">Income</div>
+    <div class="stat-value income">{fmt(income)}</div>
+  </div>
+  <div class="stat">
+    <div class="stat-label">Expenses</div>
+    <div class="stat-value expense">{fmt(expense)}</div>
+  </div>
+  <div class="stat">
+    <div class="stat-label">Net</div>
+    <div class="stat-value {'net-pos' if net >= 0 else 'net-neg'}">{fmt(net)}</div>
+  </div>
+  <div class="stat">
+    <div class="stat-label">Savings Rate</div>
+    <div class="stat-value {'net-pos' if net >= 0 else 'net-neg'}">{savings_rate}%</div>
+  </div>
+</div>
+
+<h2>Expense Breakdown</h2>
+<table>
+  <thead><tr><th>Category</th><th style="text-align:right">Amount</th><th style="text-align:right">% of Total</th></tr></thead>
+  <tbody>{cat_rows or '<tr><td colspan="3" style="color:#94a3b8;">No expenses</td></tr>'}</tbody>
+</table>
+
+<div class="footer">PFM Personal Finance · pfm.ngodanguyen.tech</div>
+</body>
+</html>'''
+    return html

app/services/report_service.py

@@ -0,0 +1,300 @@
+"""
+Report Service — aggregates data for monthly, quarterly, yearly,
+net worth history, category trends, and tax year reports.
+"""
+
+import calendar
+from datetime import date, datetime
+from sqlalchemy import func
+from app.extensions import db
+from app.models.transaction import Transaction
+from app.models.category import Category
+from app.models.account import Account
+from app.models.net_worth_snapshot import NetWorthSnapshot
+from app.models.investment import Investment
+
+
+# ── Helpers ───────────────────────────────────────────────────────────────────
+
+def _month_range(year, month):
+    last = calendar.monthrange(year, month)[1]
+    return date(year, month, 1), date(year, month, last)
+
+
+def _quarter_range(year, quarter):
+    start_month = (quarter - 1) * 3 + 1
+    end_month = start_month + 2
+    _, last = calendar.monthrange(year, end_month)
+    return date(year, start_month, 1), date(year, end_month, last)
+
+
+def _year_range(year):
+    return date(year, 1, 1), date(year, 12, 31)
+
+
+def _totals(date_from, date_to):
+    """Return (income, expense) totals for a date range."""
+    inc = db.session.query(
+        func.coalesce(func.sum(Transaction.amount), 0)
+    ).filter(
+        Transaction.transaction_type == 'income',
+        Transaction.date >= date_from,
+        Transaction.date <= date_to,
+    ).scalar()
+
+    exp = db.session.query(
+        func.coalesce(func.sum(Transaction.amount), 0)
+    ).filter(
+        Transaction.transaction_type == 'expense',
+        Transaction.date >= date_from,
+        Transaction.date <= date_to,
+    ).scalar()
+
+    return float(inc), float(exp)
+
+
+def _category_breakdown(date_from, date_to, txn_type='expense'):
+    rows = db.session.query(
+        Category.name,
+        Category.color,
+        Category.icon,
+        func.sum(Transaction.amount).label('total')
+    ).join(Transaction, Transaction.category_id == Category.id)\
+     .filter(
+        Transaction.transaction_type == txn_type,
+        Transaction.date >= date_from,
+        Transaction.date <= date_to,
+     ).group_by(Category.id)\
+      .order_by(func.sum(Transaction.amount).desc())\
+      .all()
+    return [{'name': r.name, 'color': r.color, 'icon': r.icon, 'total': float(r.total)} for r in rows]
+
+
+# ── Monthly report ────────────────────────────────────────────────────────────
+
+def monthly_report(year, month):
+    date_from, date_to = _month_range(year, month)
+    income, expense = _totals(date_from, date_to)
+    expense_cats = _category_breakdown(date_from, date_to, 'expense')
+    income_cats = _category_breakdown(date_from, date_to, 'income')
+
+    transactions = Transaction.query\
+        .filter(
+            Transaction.transaction_type.in_(['income', 'expense']),
+            Transaction.date >= date_from,
+            Transaction.date <= date_to,
+        ).order_by(Transaction.date.desc()).all()
+
+    return {
+        'period': f'{date_from.strftime("%B %Y")}',
+        'date_from': date_from,
+        'date_to': date_to,
+        'income': income,
+        'expense': expense,
+        'net': income - expense,
+        'savings_rate': round(((income - expense) / income * 100), 1) if income > 0 else 0,
+        'expense_categories': expense_cats,
+        'income_categories': income_cats,
+        'transactions': transactions,
+        'transaction_count': len(transactions),
+    }
+
+
+# ── Quarterly report ──────────────────────────────────────────────────────────
+
+def quarterly_report(year, quarter):
+    date_from, date_to = _quarter_range(year, quarter)
+    income, expense = _totals(date_from, date_to)
+    expense_cats = _category_breakdown(date_from, date_to, 'expense')
+
+    # Monthly breakdown within the quarter
+    months = []
+    start_month = (quarter - 1) * 3 + 1
+    for m in range(start_month, start_month + 3):
+        mf, mt = _month_range(year, m)
+        mi, me = _totals(mf, mt)
+        months.append({
+            'label': date(year, m, 1).strftime('%B'),
+            'income': mi,
+            'expense': me,
+            'net': mi - me,
+        })
+
+    return {
+        'period': f'Q{quarter} {year}',
+        'date_from': date_from,
+        'date_to': date_to,
+        'income': income,
+        'expense': expense,
+        'net': income - expense,
+        'savings_rate': round(((income - expense) / income * 100), 1) if income > 0 else 0,
+        'expense_categories': expense_cats,
+        'months': months,
+    }
+
+
+# ── Yearly report ─────────────────────────────────────────────────────────────
+
+def yearly_report(year):
+    date_from, date_to = _year_range(year)
+    income, expense = _totals(date_from, date_to)
+    expense_cats = _category_breakdown(date_from, date_to, 'expense')
+    income_cats = _category_breakdown(date_from, date_to, 'income')
+
+    # Monthly breakdown
+    months = []
+    for m in range(1, 13):
+        mf, mt = _month_range(year, m)
+        mi, me = _totals(mf, mt)
+        months.append({
+            'label': date(year, m, 1).strftime('%b'),
+            'income': mi,
+            'expense': me,
+            'net': mi - me,
+        })
+
+    return {
+        'period': str(year),
+        'date_from': date_from,
+        'date_to': date_to,
+        'income': income,
+        'expense': expense,
+        'net': income - expense,
+        'savings_rate': round(((income - expense) / income * 100), 1) if income > 0 else 0,
+        'avg_monthly_income': round(income / 12, 2),
+        'avg_monthly_expense': round(expense / 12, 2),
+        'expense_categories': expense_cats,
+        'income_categories': income_cats,
+        'months': months,
+    }
+
+
+# ── Net worth history ─────────────────────────────────────────────────────────
+
+def net_worth_history():
+    snapshots = NetWorthSnapshot.query\
+        .order_by(NetWorthSnapshot.snapshot_date.asc())\
+        .all()
+    return {
+        'snapshots': snapshots,
+        'labels': [s.snapshot_date.strftime('%b %Y') for s in snapshots],
+        'values': [float(s.net_worth) for s in snapshots],
+        'assets': [float(s.total_assets) for s in snapshots],
+        'liabilities': [float(s.total_liabilities) for s in snapshots],
+        'count': len(snapshots),
+    }
+
+
+# ── Category spending trends (last 6 months) ──────────────────────────────────
+
+def category_trends(months_back=6):
+    today = date.today()
+    result = {}
+    labels = []
+
+    for i in range(months_back - 1, -1, -1):
+        # Walk back i months
+        if today.month - i <= 0:
+            yr = today.year - 1
+            mo = 12 + (today.month - i)
+        else:
+            yr = today.year
+            mo = today.month - i
+        mf, mt = _month_range(yr, mo)
+        label = date(yr, mo, 1).strftime('%b %Y')
+        labels.append(label)
+
+        rows = db.session.query(
+            Category.name,
+            Category.color,
+            func.sum(Transaction.amount).label('total')
+        ).join(Transaction, Transaction.category_id == Category.id)\
+         .filter(
+            Transaction.transaction_type == 'expense',
+            Transaction.date >= mf,
+            Transaction.date <= mt,
+         ).group_by(Category.id).all()
+
+        for row in rows:
+            if row.name not in result:
+                result[row.name] = {'color': row.color, 'data': [0] * months_back}
+            idx = months_back - 1 - i
+            result[row.name]['data'][idx] = float(row.total)
+
+    # Keep top 6 categories by total
+    sorted_cats = sorted(result.items(), key=lambda x: sum(x[1]['data']), reverse=True)[:6]
+
+    datasets = []
+    for name, info in sorted_cats:
+        datasets.append({
+            'label': name,
+            'data': info['data'],
+            'borderColor': info['color'],
+            'backgroundColor': info['color'] + '22',
+            'tension': 0.3,
+            'fill': False,
+        })
+
+    return {'labels': labels, 'datasets': datasets}
+
+
+# ── Tax year summary ──────────────────────────────────────────────────────────
+
+def tax_year_summary(year):
+    date_from, date_to = _year_range(year)
+    income, expense = _totals(date_from, date_to)
+
+    income_cats = _category_breakdown(date_from, date_to, 'income')
+    expense_cats = _category_breakdown(date_from, date_to, 'expense')
+
+    # All income transactions for the year
+    income_txns = Transaction.query\
+        .filter(
+            Transaction.transaction_type == 'income',
+            Transaction.date >= date_from,
+            Transaction.date <= date_to,
+        ).order_by(Transaction.date.asc()).all()
+
+    return {
+        'year': year,
+        'date_from': date_from,
+        'date_to': date_to,
+        'total_income': income,
+        'total_expense': expense,
+        'net': income - expense,
+        'income_categories': income_cats,
+        'expense_categories': expense_cats,
+        'income_transactions': income_txns,
+    }
+
+
+# ── Snapshot helpers ──────────────────────────────────────────────────────────
+
+def take_net_worth_snapshot():
+    """Save today's net worth snapshot. Called by cron on 1st of month."""
+    today = date.today()
+
+    existing = NetWorthSnapshot.query.filter_by(snapshot_date=today).first()
+    if existing:
+        return existing
+
+    accounts = Account.query.filter_by(is_active=True).all()
+    total_assets = sum(float(a.balance) for a in accounts if float(a.balance) > 0 and a.account_type != 'credit_card')
+    total_liab = sum(abs(float(a.balance)) for a in accounts if float(a.balance) < 0)
+
+    investments = Investment.query.filter_by(is_active=True).all()
+    inv_value = sum(i.current_value for i in investments)
+
+    account_balances = {a.name: float(a.balance) for a in accounts}
+
+    snapshot = NetWorthSnapshot(
+        snapshot_date=today,
+        total_assets=total_assets + inv_value,
+        total_liabilities=total_liab,
+        net_worth=(total_assets + inv_value) - total_liab,
+        account_balances=account_balances,
+        investment_value=inv_value,
+    )
+    db.session.add(snapshot)
+    db.session.commit()
+    return snapshot

app/templates/base.html

@@ -200,7 +200,7 @@
         <a href="{{ url_for('investments.index') }}" class="sb-link {% if request.blueprint == 'investments' %}active{% endif %}">
             <i class="bi bi-graph-up-arrow"></i><span class="lt">Investments</span>
         </a>
-        <a href="#" class="sb-link">
+        <a href="{{ url_for('reports.index') }}" class="sb-link {% if request.blueprint == 'reports' %}active{% endif %}">
             <i class="bi bi-file-earmark-bar-graph"></i><span class="lt">Reports</span>
         </a>
 

app/templates/reports/index.html

@@ -0,0 +1,281 @@
+{% extends "base.html" %}
+{% block title %}Reports{% endblock %}
+{% block page_title %}Reports{% endblock %}
+
+{% block extra_css %}
+.report-tab { font-size:13px; border-radius:6px; padding:6px 14px; border:1px solid var(--border); background:var(--card-bg); color:var(--muted); text-decoration:none; transition:all .15s; }
+.report-tab:hover { background:#f1f5f9; color:var(--text); }
+.report-tab.active { background:#0f172a; color:#f1f5f9; border-color:#0f172a; }
+{% endblock %}
+
+{% block topbar_actions %}
+<!-- Export buttons -->
+<div class="d-flex gap-1">
+    <a href="{{ url_for('reports.export_csv',
+        year=selected_year, month=selected_month or '') }}"
+       class="btn btn-sm btn-outline-secondary" style="font-size:12px;" title="Export CSV">
+        <i class="bi bi-filetype-csv me-1"></i>CSV
+    </a>
+    <a href="{{ url_for('reports.export_excel',
+        year=selected_year, month=selected_month or '') }}"
+       class="btn btn-sm btn-outline-secondary" style="font-size:12px;" title="Export Excel">
+        <i class="bi bi-file-earmark-excel me-1"></i>Excel
+    </a>
+    <a href="{{ url_for('reports.export_pdf',
+        type=report_type, year=selected_year,
+        month=selected_month or '', quarter=selected_quarter or '') }}"
+       class="btn btn-sm btn-outline-secondary" style="font-size:12px;" title="Export PDF">
+        <i class="bi bi-file-earmark-pdf me-1"></i>PDF
+    </a>
+</div>
+{% endblock %}
+
+{% block content %}
+<!-- Report type tabs + period selector -->
+<div class="d-flex flex-wrap justify-content-between align-items-center gap-3 mb-4">
+    <div class="d-flex gap-1 flex-wrap">
+        <a href="{{ url_for('reports.monthly', year=selected_year, month=selected_month or current_month) }}"
+           class="report-tab {% if report_type=='monthly' %}active{% endif %}">Monthly</a>
+        <a href="{{ url_for('reports.quarterly', year=selected_year, quarter=selected_quarter or 1) }}"
+           class="report-tab {% if report_type=='quarterly' %}active{% endif %}">Quarterly</a>
+        <a href="{{ url_for('reports.yearly', year=selected_year) }}"
+           class="report-tab {% if report_type=='yearly' %}active{% endif %}">Yearly</a>
+        <a href="{{ url_for('reports.tax', year=selected_year) }}"
+           class="report-tab">Tax Year</a>
+    </div>
+
+    <!-- Period picker -->
+    <form method="GET" action="{{ url_for('reports.' + report_type) }}" class="d-flex gap-2 align-items-center">
+        <select name="year" class="form-select form-select-sm" style="width:auto;">
+            {% for y in years %}
+            <option value="{{ y }}" {% if y == selected_year %}selected{% endif %}>{{ y }}</option>
+            {% endfor %}
+        </select>
+        {% if report_type == 'monthly' %}
+        <select name="month" class="form-select form-select-sm" style="width:auto;">
+            {% for m in range(1, 13) %}
+            <option value="{{ m }}" {% if m == selected_month %}selected{% endif %}>
+                {{ ['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'][m-1] }}
+            </option>
+            {% endfor %}
+        </select>
+        {% elif report_type == 'quarterly' %}
+        <select name="quarter" class="form-select form-select-sm" style="width:auto;">
+            {% for q in range(1, 5) %}
+            <option value="{{ q }}" {% if q == selected_quarter %}selected{% endif %}>Q{{ q }}</option>
+            {% endfor %}
+        </select>
+        {% endif %}
+        <button type="submit" class="btn btn-sm btn-primary" style="font-size:12px;">Go</button>
+    </form>
+</div>
+
+<!-- Summary cards -->
+<div class="row g-3 mb-4">
+    <div class="col-6 col-xl-3">
+        <div class="stat-card">
+            <div class="stat-label">Income</div>
+            <div class="stat-value text-income">{{ report.income | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-xl-3">
+        <div class="stat-card">
+            <div class="stat-label">Expenses</div>
+            <div class="stat-value text-expense">{{ report.expense | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-xl-3">
+        <div class="stat-card">
+            <div class="stat-label">Net</div>
+            <div class="stat-value {% if report.net >= 0 %}text-income{% else %}text-expense{% endif %}">{{ report.net | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-xl-3">
+        <div class="stat-card">
+            <div class="stat-label">Savings Rate</div>
+            <div class="stat-value {% if report.savings_rate >= 0 %}text-invest{% else %}text-expense{% endif %}">{{ report.savings_rate }}%</div>
+        </div>
+    </div>
+</div>
+
+<!-- Charts row -->
+<div class="row g-3 mb-4">
+    <!-- Period chart: bar for monthly, monthly bars for quarterly/yearly -->
+    <div class="col-12 col-lg-7">
+        <div class="pcard h-100">
+            <div class="pcard-title mb-3">
+                {% if report_type == 'monthly' %}Income vs Expenses — {{ report.period }}
+                {% elif report_type == 'quarterly' %}Monthly Breakdown — {{ report.period }}
+                {% else %}Monthly Breakdown — {{ report.period }}
+                {% endif %}
+            </div>
+            <div style="position:relative;height:240px;"><canvas id="periodChart"></canvas></div>
+        </div>
+    </div>
+
+    <!-- Expense donut -->
+    <div class="col-12 col-lg-5">
+        <div class="pcard h-100">
+            <div class="pcard-title mb-3">Expense Breakdown</div>
+            {% if report.expense_categories %}
+            <div style="position:relative;height:180px;"><canvas id="expDonut"></canvas></div>
+            <div class="mt-3">
+                {% for cat in report.expense_categories[:5] %}
+                <div class="d-flex justify-content-between py-1" style="font-size:12px;border-bottom:1px solid var(--border);">
+                    <span><span style="display:inline-block;width:8px;height:8px;border-radius:2px;background:{{ cat.color }};margin-right:6px;"></span>{{ cat.name }}</span>
+                    <span class="mono">{{ cat.total | currency }}</span>
+                </div>
+                {% endfor %}
+            </div>
+            {% else %}
+            <p class="text-muted small">No expenses this period.</p>
+            {% endif %}
+        </div>
+    </div>
+</div>
+
+<!-- Net worth history -->
+<div class="row g-3 mb-4">
+    <div class="col-12">
+        <div class="pcard">
+            <div class="d-flex justify-content-between align-items-center mb-3">
+                <span class="pcard-title mb-0">Net Worth History</span>
+                <form method="POST" action="{{ url_for('reports.manual_snapshot') }}">
+                    <input type="hidden" name="csrf_token" value="{{ csrf_token() }}">
+                    <button type="submit" class="btn btn-sm btn-outline-secondary" style="font-size:11px;" title="Save today's snapshot">
+                        <i class="bi bi-camera me-1"></i>Snapshot Now
+                    </button>
+                </form>
+            </div>
+            {% if nw_history.count > 1 %}
+            <div style="position:relative;height:200px;"><canvas id="nwChart"></canvas></div>
+            {% else %}
+            <p class="text-muted small">Not enough snapshots yet. Snapshots save automatically on the 1st of each month, or click "Snapshot Now".</p>
+            {% endif %}
+        </div>
+    </div>
+</div>
+
+<!-- Category spending trends -->
+<div class="row g-3 mb-4">
+    <div class="col-12">
+        <div class="pcard">
+            <div class="pcard-title mb-3">Spending Trends — Top Categories (Last 6 Months)</div>
+            {% if cat_trend.datasets %}
+            <div style="position:relative;height:220px;"><canvas id="trendChart"></canvas></div>
+            {% else %}
+            <p class="text-muted small">Not enough data for trends yet.</p>
+            {% endif %}
+        </div>
+    </div>
+</div>
+
+<!-- Yearly avg (only for yearly report) -->
+{% if report_type == 'yearly' %}
+<div class="row g-3 mb-4">
+    <div class="col-6 col-md-3">
+        <div class="pcard pcard-sm text-center">
+            <div class="pcard-title">Avg Monthly Income</div>
+            <div class="mono text-income fw-bold" style="font-size:16px;">{{ report.avg_monthly_income | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-md-3">
+        <div class="pcard pcard-sm text-center">
+            <div class="pcard-title">Avg Monthly Expense</div>
+            <div class="mono text-expense fw-bold" style="font-size:16px;">{{ report.avg_monthly_expense | currency }}</div>
+        </div>
+    </div>
+</div>
+{% endif %}
+{% endblock %}
+
+{% block extra_js %}
+<script src="https://cdn.jsdelivr.net/npm/chart.js@4.4.3/dist/chart.umd.min.js"></script>
+<script>
+const sym = '{{ current_user.currency_symbol }}';
+const fmtCur = v => sym + Math.abs(v).toLocaleString(undefined, {minimumFractionDigits:0, maximumFractionDigits:0});
+
+// Period chart
+(function(){
+    {% if report_type == 'monthly' %}
+    const ctx = document.getElementById('periodChart').getContext('2d');
+    new Chart(ctx, {
+        type: 'bar',
+        data: {
+            labels: ['{{ report.period }}'],
+            datasets: [
+                { label:'Income',   data:[{{ report.income }}],  backgroundColor:'#10b98133', borderColor:'#10b981', borderWidth:2, borderRadius:6 },
+                { label:'Expenses', data:[{{ report.expense }}], backgroundColor:'#ef444433', borderColor:'#ef4444', borderWidth:2, borderRadius:6 },
+            ]
+        },
+        options: { responsive:true, maintainAspectRatio:false, plugins:{ legend:{ position:'bottom', labels:{ font:{ size:11 } } } }, scales:{ y:{ ticks:{ callback: v => fmtCur(v) }, grid:{ color:'#f1f5f9' } }, x:{ grid:{ display:false } } } }
+    });
+    {% else %}
+    const months = {{ report.months | map(attribute='label') | list | tojson }};
+    const incomes = {{ report.months | map(attribute='income') | list | tojson }};
+    const expenses = {{ report.months | map(attribute='expense') | list | tojson }};
+    const ctx = document.getElementById('periodChart').getContext('2d');
+    new Chart(ctx, {
+        type: 'bar',
+        data: {
+            labels: months,
+            datasets: [
+                { label:'Income',   data:incomes,  backgroundColor:'#10b98133', borderColor:'#10b981', borderWidth:2, borderRadius:4 },
+                { label:'Expenses', data:expenses, backgroundColor:'#ef444433', borderColor:'#ef4444', borderWidth:2, borderRadius:4 },
+            ]
+        },
+        options: { responsive:true, maintainAspectRatio:false, plugins:{ legend:{ position:'bottom', labels:{ font:{ size:11 } } } }, scales:{ y:{ ticks:{ callback: v => fmtCur(v) }, grid:{ color:'#f1f5f9' } }, x:{ grid:{ display:false }, ticks:{ font:{ size:11 } } } } }
+    });
+    {% endif %}
+})();
+
+// Expense donut
+{% if report.expense_categories %}
+(function(){
+    const ctx = document.getElementById('expDonut').getContext('2d');
+    new Chart(ctx, {
+        type: 'doughnut',
+        data: {
+            labels: {{ report.expense_categories | map(attribute='name') | list | tojson }},
+            datasets: [{ data: {{ report.expense_categories | map(attribute='total') | list | tojson }}, backgroundColor: {{ report.expense_categories | map(attribute='color') | list | tojson }}, borderWidth:2, borderColor:'#fff', hoverOffset:4 }]
+        },
+        options: { responsive:true, maintainAspectRatio:false, cutout:'65%', plugins:{ legend:{ display:false }, tooltip:{ callbacks:{ label: ctx => ' ' + fmtCur(ctx.parsed) } } } }
+    });
+})();
+{% endif %}
+
+// Net worth history
+{% if nw_history.count > 1 %}
+(function(){
+    const ctx = document.getElementById('nwChart').getContext('2d');
+    new Chart(ctx, {
+        type: 'line',
+        data: {
+            labels: {{ nw_history.labels | tojson }},
+            datasets: [
+                { label:'Net Worth', data: {{ nw_history.values | tojson }}, borderColor:'#3b82f6', backgroundColor:'#3b82f611', borderWidth:2, pointRadius:3, tension:.3, fill:true },
+                { label:'Assets',    data: {{ nw_history.assets | tojson }}, borderColor:'#10b981', borderWidth:1.5, pointRadius:2, tension:.3, fill:false, borderDash:[4,3] },
+            ]
+        },
+        options: { responsive:true, maintainAspectRatio:false, plugins:{ legend:{ position:'bottom', labels:{ font:{ size:11 } } } }, scales:{ y:{ ticks:{ callback: v => fmtCur(v) }, grid:{ color:'#f1f5f9' } }, x:{ grid:{ display:false }, ticks:{ font:{ size:10 } } } } }
+    });
+})();
+{% endif %}
+
+// Category trends
+{% if cat_trend.datasets %}
+(function(){
+    const ctx = document.getElementById('trendChart').getContext('2d');
+    new Chart(ctx, {
+        type: 'line',
+        data: { labels: {{ cat_trend.labels | tojson }}, datasets: {{ cat_trend.datasets | tojson }} },
+        options: {
+            responsive:true, maintainAspectRatio:false,
+            plugins:{ legend:{ position:'bottom', labels:{ font:{ size:11 }, boxWidth:10 } } },
+            scales:{ y:{ ticks:{ callback: v => fmtCur(v) }, grid:{ color:'#f1f5f9' } }, x:{ grid:{ display:false }, ticks:{ font:{ size:11 } } } }
+        }
+    });
+})();
+{% endif %}
+</script>
+{% endblock %}

app/templates/reports/tax.html

@@ -0,0 +1,147 @@
+{% extends "base.html" %}
+{% block title %}Tax Summary {{ report.year }}{% endblock %}
+{% block page_title %}Tax Year Summary{% endblock %}
+
+{% block topbar_actions %}
+<a href="{{ url_for('reports.export_csv', year=selected_year) }}" class="btn btn-sm btn-outline-secondary" style="font-size:12px;">
+    <i class="bi bi-filetype-csv me-1"></i>Export CSV
+</a>
+{% endblock %}
+
+{% block content %}
+<!-- Year selector -->
+<div class="d-flex align-items-center gap-3 mb-4">
+    <form method="GET" action="{{ url_for('reports.tax') }}" class="d-flex gap-2">
+        <select name="year" class="form-select form-select-sm" style="width:auto;">
+            {% for y in years %}
+            <option value="{{ y }}" {% if y == selected_year %}selected{% endif %}>{{ y }}</option>
+            {% endfor %}
+        </select>
+        <button type="submit" class="btn btn-sm btn-primary" style="font-size:12px;">Go</button>
+    </form>
+    <span class="text-muted" style="font-size:12px;">{{ report.date_from.strftime('%b %d, %Y') }} – {{ report.date_to.strftime('%b %d, %Y') }}</span>
+</div>
+
+<!-- Summary -->
+<div class="row g-3 mb-4">
+    <div class="col-6 col-md-3">
+        <div class="stat-card">
+            <div class="stat-label">Total Income</div>
+            <div class="stat-value text-income">{{ report.total_income | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-md-3">
+        <div class="stat-card">
+            <div class="stat-label">Total Expenses</div>
+            <div class="stat-value text-expense">{{ report.total_expense | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-md-3">
+        <div class="stat-card">
+            <div class="stat-label">Net for Year</div>
+            <div class="stat-value {% if report.net >= 0 %}text-income{% else %}text-expense{% endif %}">{{ report.net | currency }}</div>
+        </div>
+    </div>
+    <div class="col-6 col-md-3">
+        <div class="stat-card">
+            <div class="stat-label">Income Sources</div>
+            <div class="stat-value text-invest">{{ report.income_categories | length }}</div>
+        </div>
+    </div>
+</div>
+
+<div class="row g-3">
+    <!-- Income by category -->
+    <div class="col-12 col-lg-6">
+        <div class="pcard p-0">
+            <div class="px-4 py-3" style="border-bottom:1px solid var(--border);">
+                <span class="pcard-title mb-0">Income by Source</span>
+            </div>
+            <table class="pfm-table">
+                <thead><tr><th style="padding-left:20px;">Category</th><th class="text-end" style="padding-right:20px;">Total</th></tr></thead>
+                <tbody>
+                {% if report.income_categories %}
+                    {% for cat in report.income_categories %}
+                    <tr>
+                        <td style="padding-left:20px;">
+                            <div class="d-flex align-items-center gap-2">
+                                <div style="width:8px;height:8px;border-radius:2px;background:{{ cat.color }};"></div>
+                                <span style="font-size:13px;">{{ cat.name }}</span>
+                            </div>
+                        </td>
+                        <td class="text-end mono text-income" style="font-size:13px;font-weight:500;padding-right:20px;">{{ cat.total | currency }}</td>
+                    </tr>
+                    {% endfor %}
+                    <tr style="font-weight:700;background:#f8fafc;">
+                        <td style="padding-left:20px;font-size:13px;">Total</td>
+                        <td class="text-end mono text-income" style="font-size:13px;padding-right:20px;">{{ report.total_income | currency }}</td>
+                    </tr>
+                {% else %}
+                    <tr><td colspan="2" class="text-muted text-center py-3" style="font-size:13px;">No income recorded</td></tr>
+                {% endif %}
+                </tbody>
+            </table>
+        </div>
+    </div>
+
+    <!-- Expense by category -->
+    <div class="col-12 col-lg-6">
+        <div class="pcard p-0">
+            <div class="px-4 py-3" style="border-bottom:1px solid var(--border);">
+                <span class="pcard-title mb-0">Expenses by Category</span>
+            </div>
+            <table class="pfm-table">
+                <thead><tr><th style="padding-left:20px;">Category</th><th class="text-end" style="padding-right:20px;">Total</th></tr></thead>
+                <tbody>
+                {% if report.expense_categories %}
+                    {% for cat in report.expense_categories %}
+                    <tr>
+                        <td style="padding-left:20px;">
+                            <div class="d-flex align-items-center gap-2">
+                                <div style="width:8px;height:8px;border-radius:2px;background:{{ cat.color }};"></div>
+                                <span style="font-size:13px;">{{ cat.name }}</span>
+                            </div>
+                        </td>
+                        <td class="text-end mono text-expense" style="font-size:13px;font-weight:500;padding-right:20px;">{{ cat.total | currency }}</td>
+                    </tr>
+                    {% endfor %}
+                    <tr style="font-weight:700;background:#f8fafc;">
+                        <td style="padding-left:20px;font-size:13px;">Total</td>
+                        <td class="text-end mono text-expense" style="font-size:13px;padding-right:20px;">{{ report.total_expense | currency }}</td>
+                    </tr>
+                {% else %}
+                    <tr><td colspan="2" class="text-muted text-center py-3" style="font-size:13px;">No expenses recorded</td></tr>
+                {% endif %}
+                </tbody>
+            </table>
+        </div>
+    </div>
+</div>
+
+<!-- All income transactions for tax year -->
+{% if report.income_transactions %}
+<div class="pcard p-0 mt-3">
+    <div class="d-flex justify-content-between align-items-center px-4 py-3" style="border-bottom:1px solid var(--border);">
+        <span class="pcard-title mb-0">All Income — {{ report.year }}</span>
+        <span class="text-muted" style="font-size:12px;">{{ report.income_transactions | length }} transactions</span>
+    </div>
+    <table class="pfm-table">
+        <thead><tr><th style="padding-left:20px;">Date</th><th>Description</th><th>Category</th><th class="text-end" style="padding-right:20px;">Amount</th></tr></thead>
+        <tbody>
+        {% for txn in report.income_transactions %}
+        <tr>
+            <td style="padding-left:20px;font-size:12px;color:var(--muted);white-space:nowrap;">{{ txn.date.strftime('%b %d, %Y') }}</td>
+            <td style="font-size:13px;">{{ txn.description }}</td>
+            <td style="font-size:12px;color:var(--muted);">{{ txn.category.name if txn.category else '—' }}</td>
+            <td class="text-end mono text-income" style="font-size:13px;font-weight:500;padding-right:20px;">+{{ txn.amount | currency }}</td>
+        </tr>
+        {% endfor %}
+        </tbody>
+    </table>
+</div>
+{% endif %}
+
+<div class="mt-3">
+    <a href="{{ url_for('reports.index') }}" class="btn btn-sm btn-outline-secondary"><i class="bi bi-arrow-left me-1"></i>Back to Reports</a>
+</div>
+{% endblock %}

scripts/daily_snapshot.py

@@ -0,0 +1,23 @@
+#!/usr/bin/env python3
+"""
+Cron script: save monthly net worth snapshot.
+Run by systemd timer pfm-snapshot.timer on 1st of each month at 00:05.
+"""
+
+import sys
+import os
+sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+
+from app import create_app
+from app.services.report_service import take_net_worth_snapshot
+
+app = create_app()
+
+if __name__ == '__main__':
+    with app.app_context():
+        print('[snapshot] Saving net worth snapshot...')
+        snap = take_net_worth_snapshot()
+        print(f'[snapshot] Net worth on {snap.snapshot_date}: '
+              f'assets={snap.total_assets}, '
+              f'liabilities={snap.total_liabilities}, '
+              f'net={snap.net_worth}')