604302ada4
- FinancialHealthController: Fix column name in queries - ReportController: Fix column name in queries - Budget model: Fix getSpentAmountAttribute query
499 lines
19 KiB
PHP
499 lines
19 KiB
PHP
<?php
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namespace App\Http\Controllers\Api;
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use App\Http\Controllers\Controller;
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use App\Models\Transaction;
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use App\Models\Account;
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use App\Models\LiabilityAccount;
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use App\Models\Budget;
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use App\Models\FinancialGoal;
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use App\Models\RecurringTemplate;
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use Illuminate\Http\Request;
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use Illuminate\Support\Facades\Auth;
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use Carbon\Carbon;
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class FinancialHealthController extends Controller
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{
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/**
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* Obtener puntuación de salud financiera completa
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*/
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public function index(Request $request)
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{
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$userId = Auth::id();
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// Calcular cada métrica
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$savingsCapacity = $this->calculateSavingsCapacity($userId);
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$debtControl = $this->calculateDebtControl($userId);
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$budgetManagement = $this->calculateBudgetManagement($userId);
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$investments = $this->calculateInvestments($userId);
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$emergencyFund = $this->calculateEmergencyFund($userId);
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$futurePlanning = $this->calculateFuturePlanning($userId);
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// Puntuación general ponderada
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$weights = [
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'savings' => 0.25,
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'debt' => 0.20,
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'budget' => 0.15,
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'investments' => 0.15,
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'emergency' => 0.15,
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'planning' => 0.10,
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];
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$overallScore = round(
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($savingsCapacity['score'] * $weights['savings']) +
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($debtControl['score'] * $weights['debt']) +
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($budgetManagement['score'] * $weights['budget']) +
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($investments['score'] * $weights['investments']) +
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($emergencyFund['score'] * $weights['emergency']) +
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($futurePlanning['score'] * $weights['planning'])
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);
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// Determinar nivel de salud
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$healthLevel = $this->getHealthLevel($overallScore);
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// Generar insights y recomendaciones
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$insights = $this->generateInsights($userId, [
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'savings' => $savingsCapacity,
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'debt' => $debtControl,
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'budget' => $budgetManagement,
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'investments' => $investments,
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'emergency' => $emergencyFund,
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'planning' => $futurePlanning,
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]);
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return response()->json([
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'overall_score' => $overallScore,
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'health_level' => $healthLevel,
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'last_updated' => now()->format('Y-m-d'),
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'metrics' => [
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'savings_capacity' => $savingsCapacity,
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'debt_control' => $debtControl,
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'budget_management' => $budgetManagement,
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'investments' => $investments,
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'emergency_fund' => $emergencyFund,
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'future_planning' => $futurePlanning,
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],
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'insights' => $insights,
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]);
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}
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/**
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* Calcular capacidad de ahorro
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*/
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private function calculateSavingsCapacity($userId)
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{
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// Últimos 3 meses
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$data = Transaction::where('user_id', $userId)
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->where('transaction_date', '>=', now()->subMonths(3)->startOfMonth())
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->selectRaw("
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SUM(CASE WHEN type = 'credit' THEN amount ELSE 0 END) as income,
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SUM(CASE WHEN type = 'debit' THEN ABS(amount) ELSE 0 END) as expense
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")
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->first();
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$income = $data->income ?? 0;
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$expense = $data->expense ?? 0;
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$savings = $income - $expense;
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$savingsRate = $income > 0 ? ($savings / $income) * 100 : 0;
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// Puntuación basada en tasa de ahorro
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// 0-10% = 40, 10-20% = 60, 20-30% = 80, 30%+ = 100
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$score = match(true) {
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$savingsRate >= 30 => 100,
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$savingsRate >= 20 => 80 + (($savingsRate - 20) * 2),
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$savingsRate >= 10 => 60 + (($savingsRate - 10) * 2),
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$savingsRate >= 0 => 40 + ($savingsRate * 2),
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default => max(0, 40 + $savingsRate),
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};
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return [
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'score' => round(min(100, max(0, $score))),
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'savings_rate' => round($savingsRate, 1),
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'monthly_savings' => round($savings / 3, 2),
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'status' => $savingsRate >= 20 ? 'excellent' : ($savingsRate >= 10 ? 'good' : 'needs_improvement'),
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'message' => $savingsRate >= 20
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? "¡Excelente! Ahorras el {$savingsRate}% de tus ingresos"
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: ($savingsRate >= 10
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? "Buen trabajo. Ahorras el {$savingsRate}%"
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: "Intenta aumentar tu tasa de ahorro"),
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];
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}
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/**
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* Calcular control de deudas
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*/
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private function calculateDebtControl($userId)
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{
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// Obtener deudas activas
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$liabilities = LiabilityAccount::where('user_id', $userId)
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->where('status', 'active')
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->get();
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$totalDebt = $liabilities->sum('current_balance');
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$totalCreditLimit = $liabilities->sum('credit_limit');
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$monthlyPayments = $liabilities->sum('monthly_payment');
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// Ingresos mensuales promedio
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$monthlyIncome = Transaction::where('user_id', $userId)
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->where('type', 'credit')
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->where('transaction_date', '>=', now()->subMonths(3)->startOfMonth())
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->sum('amount') / 3;
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// Ratio deuda/ingresos
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$debtToIncomeRatio = $monthlyIncome > 0 ? ($monthlyPayments / $monthlyIncome) * 100 : 0;
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// Utilización de crédito
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$creditUtilization = $totalCreditLimit > 0 ? ($totalDebt / $totalCreditLimit) * 100 : 0;
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// Puntuación
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// DTI < 20% = excelente, 20-35% = bueno, 35-50% = moderado, >50% = alto riesgo
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$score = match(true) {
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$debtToIncomeRatio <= 20 => 100 - ($debtToIncomeRatio * 0.5),
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$debtToIncomeRatio <= 35 => 80 - (($debtToIncomeRatio - 20) * 1.3),
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$debtToIncomeRatio <= 50 => 60 - (($debtToIncomeRatio - 35) * 2),
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default => max(0, 30 - (($debtToIncomeRatio - 50) * 0.6)),
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};
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return [
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'score' => round(min(100, max(0, $score))),
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'total_debt' => round($totalDebt, 2),
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'monthly_payments' => round($monthlyPayments, 2),
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'debt_to_income_ratio' => round($debtToIncomeRatio, 1),
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'credit_utilization' => round($creditUtilization, 1),
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'active_debts' => $liabilities->count(),
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'status' => $debtToIncomeRatio <= 20 ? 'excellent' : ($debtToIncomeRatio <= 35 ? 'acceptable' : 'needs_attention'),
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'message' => $totalDebt == 0
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? "¡Sin deudas! Excelente situación"
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: ($debtToIncomeRatio <= 35
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? "Nivel aceptable. Crédito disponible: " . number_format($totalCreditLimit - $totalDebt, 2) . "€"
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: "Considera reducir tus deudas"),
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];
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}
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/**
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* Calcular gestión de presupuesto
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*/
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private function calculateBudgetManagement($userId)
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{
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$currentMonth = now()->month;
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$currentYear = now()->year;
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$budgets = Budget::where('user_id', $userId)
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->where('year', $currentYear)
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->where('month', $currentMonth)
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->where('is_active', true)
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->get();
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if ($budgets->isEmpty()) {
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return [
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'score' => 50,
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'has_budgets' => false,
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'status' => 'not_configured',
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'message' => 'No tienes presupuestos configurados',
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'exceeded_count' => 0,
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'total_budgets' => 0,
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];
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}
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$exceededCount = $budgets->filter(fn($b) => $b->is_exceeded)->count();
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$totalBudgets = $budgets->count();
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$complianceRate = (($totalBudgets - $exceededCount) / $totalBudgets) * 100;
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// También verificar el uso promedio
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$avgUsage = $budgets->avg('usage_percentage');
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// Puntuación
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$score = match(true) {
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$exceededCount == 0 && $avgUsage <= 90 => 100,
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$exceededCount == 0 => 85,
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$exceededCount <= 1 => 70,
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$exceededCount <= 2 => 55,
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default => max(20, 55 - ($exceededCount * 10)),
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};
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// Encontrar categoría más excedida
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$mostExceeded = $budgets->filter(fn($b) => $b->is_exceeded)
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->sortByDesc('usage_percentage')
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->first();
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return [
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'score' => round($score),
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'has_budgets' => true,
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'total_budgets' => $totalBudgets,
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'exceeded_count' => $exceededCount,
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'compliance_rate' => round($complianceRate, 1),
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'avg_usage' => round($avgUsage, 1),
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'most_exceeded' => $mostExceeded ? [
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'category' => $mostExceeded->category?->name ?? $mostExceeded->name,
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'usage' => $mostExceeded->usage_percentage,
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] : null,
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'status' => $exceededCount == 0 ? 'on_track' : ($exceededCount <= 2 ? 'needs_attention' : 'exceeded'),
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'message' => $exceededCount == 0
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? "Todos los presupuestos bajo control"
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: "¡Atención! Excediste presupuesto en " . ($mostExceeded->category?->name ?? 'una categoría'),
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];
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}
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/**
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* Calcular inversiones
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*/
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private function calculateInvestments($userId)
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{
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// Cuentas de tipo inversión
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$investmentAccounts = Account::where('user_id', $userId)
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->where('type', 'investment')
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->get();
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$totalInvestments = $investmentAccounts->sum('current_balance');
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// Total de activos
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$totalAssets = Account::where('user_id', $userId)
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->where('include_in_total', true)
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->sum('current_balance');
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$investmentRatio = $totalAssets > 0 ? ($totalInvestments / $totalAssets) * 100 : 0;
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// Puntuación basada en ratio de inversión
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$score = match(true) {
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$investmentRatio >= 30 => 100,
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$investmentRatio >= 20 => 80 + (($investmentRatio - 20) * 2),
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$investmentRatio >= 10 => 60 + (($investmentRatio - 10) * 2),
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$investmentRatio >= 5 => 40 + (($investmentRatio - 5) * 4),
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default => max(20, $investmentRatio * 8),
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};
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return [
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'score' => round(min(100, $score)),
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'total_investments' => round($totalInvestments, 2),
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'investment_ratio' => round($investmentRatio, 1),
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'accounts_count' => $investmentAccounts->count(),
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'status' => $investmentRatio >= 20 ? 'good' : ($investmentRatio >= 10 ? 'moderate' : 'low'),
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'message' => $investmentRatio >= 20
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? "Buena diversificación. Sigue así"
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: "Considera aumentar tu inversión",
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];
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}
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/**
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* Calcular fondo de emergencia
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*/
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private function calculateEmergencyFund($userId)
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{
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// Cuentas líquidas (checking, savings, cash)
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$liquidAccounts = Account::where('user_id', $userId)
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->whereIn('type', ['checking', 'savings', 'cash'])
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->where('include_in_total', true)
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->sum('current_balance');
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// Gastos mensuales promedio
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$monthlyExpenses = Transaction::where('user_id', $userId)
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->where('type', 'debit')
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->where('transaction_date', '>=', now()->subMonths(3)->startOfMonth())
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->sum(fn($t) => abs($t->amount)) / 3;
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// Usar consulta directa para mejor rendimiento
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$monthlyExpenses = abs(Transaction::where('user_id', $userId)
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->where('type', 'debit')
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->where('transaction_date', '>=', now()->subMonths(3)->startOfMonth())
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->sum('amount')) / 3;
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// Meses cubiertos
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$monthsCovered = $monthlyExpenses > 0 ? $liquidAccounts / $monthlyExpenses : 0;
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// Puntuación (ideal: 6 meses)
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$score = match(true) {
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$monthsCovered >= 6 => 100,
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$monthsCovered >= 3 => 60 + (($monthsCovered - 3) * 13.33),
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$monthsCovered >= 1 => 30 + (($monthsCovered - 1) * 15),
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default => max(0, $monthsCovered * 30),
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};
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return [
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'score' => round(min(100, $score)),
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'liquid_assets' => round($liquidAccounts, 2),
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'monthly_expenses' => round($monthlyExpenses, 2),
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'months_covered' => round($monthsCovered, 1),
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'recommended_fund' => round($monthlyExpenses * 6, 2),
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'status' => $monthsCovered >= 6 ? 'excellent' : ($monthsCovered >= 3 ? 'moderate' : 'insufficient'),
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'message' => $monthsCovered >= 6
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? "Excelente fondo de emergencia"
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: "Tienes " . number_format($liquidAccounts, 2) . "€ (" . round($monthsCovered, 1) . " meses de gastos)",
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];
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}
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/**
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* Calcular planificación futura
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*/
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private function calculateFuturePlanning($userId)
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{
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// Metas financieras activas
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$goals = FinancialGoal::where('user_id', $userId)
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->where('status', 'active')
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->get();
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// Transacciones recurrentes configuradas
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$recurringCount = RecurringTemplate::where('user_id', $userId)
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->where('is_active', true)
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->count();
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// Presupuestos configurados
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$hasBudgets = Budget::where('user_id', $userId)
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->where('is_active', true)
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->exists();
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$activeGoals = $goals->count();
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$goalsOnTrack = $goals->filter(fn($g) => $g->is_on_track)->count();
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$avgProgress = $goals->avg('progress_percentage') ?? 0;
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// Puntuación
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$baseScore = 40;
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if ($activeGoals > 0) $baseScore += 20;
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if ($activeGoals >= 3) $baseScore += 10;
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if ($goalsOnTrack > 0) $baseScore += 15;
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if ($hasBudgets) $baseScore += 10;
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if ($recurringCount >= 3) $baseScore += 5;
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// Bonus por progreso
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$baseScore += min(10, $avgProgress / 10);
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return [
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'score' => round(min(100, $baseScore)),
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'active_goals' => $activeGoals,
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'goals_on_track' => $goalsOnTrack,
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'avg_progress' => round($avgProgress, 1),
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'has_budgets' => $hasBudgets,
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'recurring_configured' => $recurringCount,
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'status' => $activeGoals >= 3 ? 'excellent' : ($activeGoals >= 1 ? 'good' : 'needs_setup'),
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'message' => $activeGoals > 0
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? "¡Muy bien! Tienes $activeGoals metas activas en progreso"
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: "Crea metas financieras para mejorar tu planificación",
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];
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}
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/**
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* Determinar nivel de salud
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*/
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private function getHealthLevel($score)
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{
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return match(true) {
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$score >= 85 => ['level' => 'excellent', 'label' => 'Excelente Salud', 'color' => '#22c55e'],
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$score >= 70 => ['level' => 'good', 'label' => 'Buena Salud', 'color' => '#84cc16'],
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$score >= 55 => ['level' => 'moderate', 'label' => 'Salud Moderada', 'color' => '#f59e0b'],
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$score >= 40 => ['level' => 'needs_work', 'label' => 'Necesita Mejorar', 'color' => '#f97316'],
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default => ['level' => 'critical', 'label' => 'Atención Necesaria', 'color' => '#ef4444'],
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};
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}
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/**
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* Generar insights y recomendaciones
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*/
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private function generateInsights($userId, $metrics)
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{
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$insights = [];
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// Prioridad Alta - Problemas críticos
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if ($metrics['debt']['score'] < 50) {
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$insights[] = [
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'type' => 'high_priority',
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'icon' => 'bi-exclamation-triangle-fill',
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'color' => '#ef4444',
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'title' => 'Prioridad Alta',
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'message' => "Reduce gastos en " . ($metrics['budget']['most_exceeded']['category'] ?? 'categorías con exceso') . ". Estás excediendo el presupuesto en " . ($metrics['budget']['most_exceeded']['usage'] ?? 0) . "%.",
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];
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}
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// Prioridad Media - Mejoras recomendadas
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if ($metrics['emergency']['months_covered'] < 6) {
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$needed = $metrics['emergency']['recommended_fund'] - $metrics['emergency']['liquid_assets'];
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$insights[] = [
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'type' => 'medium_priority',
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'icon' => 'bi-shield-exclamation',
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'color' => '#f59e0b',
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'title' => 'Prioridad Media',
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'message' => "Incrementa tu fondo de emergencia a 6 meses de gastos (" . number_format($metrics['emergency']['recommended_fund'], 0) . "€).",
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];
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}
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// Logros
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if ($metrics['savings']['savings_rate'] >= 20) {
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$insights[] = [
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'type' => 'achievement',
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'icon' => 'bi-trophy-fill',
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'color' => '#22c55e',
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'title' => 'Logro Destacado',
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'message' => "¡Excelente ahorro mensual! Mantienes una tasa del " . $metrics['savings']['savings_rate'] . "% por encima de la meta.",
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];
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}
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// Oportunidades
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if ($metrics['investments']['investment_ratio'] < 20 && $metrics['savings']['savings_rate'] > 15) {
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$insights[] = [
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'type' => 'opportunity',
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'icon' => 'bi-lightbulb-fill',
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'color' => '#3b82f6',
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'title' => 'Oportunidad',
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'message' => "Considera aumentar tu inversión con el excedente de tus ahorros.",
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];
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}
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// Metas próximas
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$upcomingGoals = FinancialGoal::where('user_id', $userId)
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->where('status', 'active')
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->whereNotNull('target_date')
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->where('target_date', '<=', now()->addMonths(6))
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->orderBy('target_date')
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->first();
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if ($upcomingGoals) {
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$insights[] = [
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'type' => 'upcoming_goal',
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'icon' => 'bi-calendar-check-fill',
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'color' => '#8b5cf6',
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'title' => 'Meta Próxima',
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'message' => "Faltan " . now()->diffInMonths($upcomingGoals->target_date) . " meses para tu meta de " . $upcomingGoals->name . ". ¡Sigue así!",
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];
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}
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// Sugerencia general
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if ($metrics['planning']['active_goals'] < 3) {
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$insights[] = [
|
|
'type' => 'suggestion',
|
|
'icon' => 'bi-gear-fill',
|
|
'color' => '#06b6d4',
|
|
'title' => 'Sugerencia',
|
|
'message' => "Activa ahorro automático del 10% cada vez que recibes tu nómina.",
|
|
];
|
|
}
|
|
|
|
return $insights;
|
|
}
|
|
|
|
/**
|
|
* Historial de puntuación
|
|
*/
|
|
public function history(Request $request)
|
|
{
|
|
// Por ahora retornamos datos simulados
|
|
// En producción, guardaríamos snapshots diarios/semanales
|
|
$months = $request->get('months', 6);
|
|
|
|
$history = [];
|
|
$baseScore = 72;
|
|
|
|
for ($i = $months - 1; $i >= 0; $i--) {
|
|
$date = now()->subMonths($i);
|
|
$variation = rand(-5, 8);
|
|
$baseScore = max(30, min(95, $baseScore + $variation));
|
|
|
|
$history[] = [
|
|
'month' => $date->format('Y-m'),
|
|
'month_label' => $date->format('M Y'),
|
|
'score' => $baseScore,
|
|
];
|
|
}
|
|
|
|
return response()->json($history);
|
|
}
|
|
}
|