06/03 Optimize codes, save synced balances

app/routes/accounts.py

@@ -59,9 +59,21 @@ def index():
     if tab not in ('bank', 'credit'):
         tab = 'bank'
 
+    from app.models.teller_enrollment import TellerAccount
     all_accounts = Account.query.filter_by(is_active=True).order_by(Account.name).all()
+
+    # Build Teller map first so we can skip calc_balance for Teller-linked accounts.
+    # Their balance comes from Teller (live refresh or transaction sync) and must not
+    # be overwritten by the transaction-computed sum on every page load.
+    teller_accounts = TellerAccount.query.filter(
+        TellerAccount.pfm_account_id.in_([a.id for a in all_accounts]),
+        TellerAccount.is_active == True,
+    ).all()
+    teller_map = {ta.pfm_account_id: ta for ta in teller_accounts}
+
     for a in all_accounts:
-        calc_balance(a.id)
+        if a.id not in teller_map:
+            calc_balance(a.id)
     all_accounts = Account.query.filter_by(is_active=True).order_by(Account.name).all()
 
     bank_accounts   = [a for a in all_accounts if a.account_type in BANK_TYPES]
@@ -83,14 +95,6 @@ def index():
         ).group_by(Transaction.account_id).all()
         monthly_charges = {row[0]: float(row[1]) for row in rows}
 
-    # Teller account mapping: pfm_account_id → TellerAccount
-    from app.models.teller_enrollment import TellerAccount
-    teller_accounts = TellerAccount.query.filter(
-        TellerAccount.pfm_account_id.in_([a.id for a in all_accounts]),
-        TellerAccount.is_active == True,
-    ).all()
-    teller_map = {ta.pfm_account_id: ta for ta in teller_accounts}
-
     return render_template('accounts/index.html',
                            accounts=accounts,
                            tab=tab,

app/routes/dashboard.py

@@ -7,7 +7,7 @@ from app.models.transaction import Transaction
 from app.models.category import Category
 from app.services.fx_service import get_today_rate, get_rate_history, force_refresh
 from app.services.ai_service import get_latest_daily_insight
-from app.services.account_service import get_total_assets, get_total_liabilities, recalc_all
+from app.services.account_service import get_total_assets, get_total_liabilities
 from datetime import date, datetime, timedelta
 import calendar
 
@@ -62,7 +62,6 @@ def index():
     net_cash_flow = float(total_income) - float(total_expense)
 
     # ── Accounts ─────────────────────────────────────
-    recalc_all()
     accounts = Account.query.filter_by(is_active=True).order_by(Account.name).all()
     total_assets = get_total_assets()
     total_liabilities = get_total_liabilities()

app/routes/teller.py

@@ -316,9 +316,10 @@ def refresh_balance(teller_account_id):
         ledger    = float(bal_data.get('ledger')    or bal_data.get('available') or 0)
 
         # Credit cards: 'available' is the remaining credit line, not what's owed.
-        # Use 'ledger' (amount owed, negative in Teller's convention) for credit cards.
+        # Use 'ledger' for credit cards and force it negative (our debt convention).
+        # Teller may return ledger as positive or negative depending on the bank.
         is_credit = ta.pfm_account.account_type == 'credit_card'
-        balance_to_store = ledger if is_credit else available
+        balance_to_store = -abs(ledger) if is_credit else available
 
         ta.pfm_account.balance = balance_to_store
         db.session.commit()
@@ -353,7 +354,7 @@ def refresh_all_balances():
                 available = float(bal_data.get('available') or bal_data.get('ledger') or 0)
                 ledger    = float(bal_data.get('ledger')    or bal_data.get('available') or 0)
                 is_credit = ta.pfm_account.account_type == 'credit_card'
-                ta.pfm_account.balance = ledger if is_credit else available
+                ta.pfm_account.balance = -abs(ledger) if is_credit else available
                 refreshed.append(ta.account_name)
                 log.info('[teller] balance refreshed: %s = %.2f', ta.account_name, ta.pfm_account.balance)
             except Exception as exc: