finanzen/convex/savingsChat.ts

import { action, internalQuery, query } from "./_generated/server";
import { v } from "convex/values";
import { generateText, stepCountIs, tool } from "ai";
import { openai } from "@ai-sdk/openai";
import { internal } from "./_generated/api";
import { z } from "zod";
import { addMonthsToMonthKey, bookingMonth, monthKeyFromBasis } from "./lib/month";
import { requireUserId } from "./lib/helpers";
import type { Doc, Id } from "./_generated/dataModel";
import type { QueryCtx } from "./_generated/server";

type ChatRole = "user" | "assistant";
type ChatMessage = { role: ChatRole; content: string };

const chatMessageValidator = v.object({
  role: v.union(v.literal("user"), v.literal("assistant")),
  content: v.string(),
});

const MAX_CONVERSATION_MESSAGES = 20;
const DEFAULT_TOOL_ROW_LIMIT = 50;
const MAX_TOOL_ROW_LIMIT = 200;
const MAX_TOOL_RANGE_MONTHS = 18;

type ChatContextArgs = {
  from: string;
  to: string;
  accountId?: Id<"accounts">;
  basis: "effective" | "booking";
};
type ChatContextSummary = {
  from: string;
  to: string;
  basis: "effective" | "booking";
  accountId?: Id<"accounts">;
  accountName?: string;
  totals: { transactionCount: number; income: number; expenses: number; balance: number };
  isComplete: true;
};
type ChatPromptContext = ChatContextSummary & {
  transactionLines: string[];
};
type ChatAskResult = {
  model: string;
  answer: string;
  usedTransactions: number;
  usedBalance: { income: number; expenses: number; balance: number };
  toolTrace: ToolTrace[];
};
type ToolTrace = { name: string; inputSummary: string; resultSummary: string };
type TransactionTypeFilter = "income" | "expense";
type AgentToolScope = ChatContextArgs;
type TransactionToolArgs = {
  scope: AgentToolScope;
  from?: string;
  to?: string;
  accountId?: Id<"accounts">;
  accountName?: string;
  categoryIds?: Id<"categories">[];
  categoryNames?: string[];
  search?: string;
  type?: TransactionTypeFilter;
  limit?: number;
};
type ToolTransactionContext = {
  from: string;
  to: string;
  basis: AgentToolScope["basis"];
  accountId?: Id<"accounts">;
  accountName?: string;
  categories: Doc<"categories">[];
  accounts: Doc<"accounts">[];
  categoryById: Map<Id<"categories">, Doc<"categories">>;
  accountById: Map<Id<"accounts">, Doc<"accounts">>;
  transactions: Doc<"transactions">[];
};

function formatEuro(value: number): string {
  return `${value.toFixed(2)}€`;
}

function buildSystemPrompt(context: { from: string; to: string; basis: string; accountName?: string }) {
  return [
    "Du bist ein präziser Finanz-Chat-Assistent für Privatanwender.",
    "Nutze ausschließlich die bereitgestellten Werkzeuge und deren Ergebnisse als Finanzkontext.",
    "Rufe Werkzeuge auf, wenn du Umsätze, Zusammenfassungen oder Prognosen brauchst; erfinde keine Beträge.",
    "Antworte auf Deutsch, kurz und handlungsorientiert.",
    `Zeitraum: ${context.from} bis ${context.to}.`,
    `Basis: ${context.basis}.`,
    context.accountName ? `Konto: ${context.accountName}.` : "Konto: Alle Konten.",
    "Wenn eine Aussage nur grob geschätzt werden kann, kennzeichne sie als Schätzung.",
    "Nenne keine internen IDs und keine Rohdatenfelder.",
    "Verwende keine Links, keine HTML-Tags und keine Emojis.",
  ].join(" ");
}

function normalizeRole(role: ChatRole): "user" | "assistant" {
  return role;
}

function sortTransactionsForContext(
  transactions: Doc<"transactions">[],
  basis: ChatContextArgs["basis"],
) {
  return transactions.sort((a, b) => {
    const aMonth = basis === "effective" ? a.effectiveMonth ?? bookingMonth(a.bookingDate) ?? "" : "";
    const bMonth = basis === "effective" ? b.effectiveMonth ?? bookingMonth(b.bookingDate) ?? "" : "";
    const aDate = basis === "booking" ? a.bookingDate ?? "" : a.valueDate ?? a.bookingDate ?? "";
    const bDate = basis === "booking" ? b.bookingDate ?? "" : b.valueDate ?? b.bookingDate ?? "";
    const aKey = `${aMonth}|${aDate}|${a._creationTime}`;
    const bKey = `${bMonth}|${bDate}|${b._creationTime}`;
    return bKey.localeCompare(aKey);
  });
}

async function loadMatchingTransactions(
  ctx: QueryCtx,
  userId: Id<"users">,
  args: ChatContextArgs,
): Promise<Doc<"transactions">[]> {
  const monthFrom = args.from.slice(0, 7);
  const monthTo = args.to.slice(0, 7);
  const transactions: Doc<"transactions">[] = [];

  if (args.basis === "effective") {
    if (args.accountId) {
      const accountId = args.accountId;
      const q = ctx.db
        .query("transactions")
        .withIndex("by_user_account_effmonth", (index) =>
          index
            .eq("userId", userId)
            .eq("accountId", accountId)
            .gte("effectiveMonth", monthFrom)
            .lte("effectiveMonth", monthTo),
        )
        .order("desc");
      for await (const tx of q) transactions.push(tx);

      const fallback = ctx.db
        .query("transactions")
        .withIndex("by_user_account_booking", (index) =>
          index
            .eq("userId", userId)
            .eq("accountId", accountId)
            .gte("bookingDate", args.from)
            .lte("bookingDate", args.to),
        )
        .order("desc");
      for await (const tx of fallback) {
        if (tx.effectiveMonth === undefined) transactions.push(tx);
      }
      return sortTransactionsForContext(transactions, args.basis);
    }

    const q = ctx.db
      .query("transactions")
      .withIndex("by_user_effmonth", (index) =>
        index.eq("userId", userId).gte("effectiveMonth", monthFrom).lte("effectiveMonth", monthTo),
      )
      .order("desc");
    for await (const tx of q) transactions.push(tx);

    const fallback = ctx.db
      .query("transactions")
      .withIndex("by_user_booking", (index) =>
        index.eq("userId", userId).gte("bookingDate", args.from).lte("bookingDate", args.to),
      )
      .order("desc");
    for await (const tx of fallback) {
      if (tx.effectiveMonth === undefined) transactions.push(tx);
    }
    return sortTransactionsForContext(transactions, args.basis);
  }

  if (args.accountId) {
    const accountId = args.accountId;
    const q = ctx.db
      .query("transactions")
      .withIndex("by_user_account_booking", (index) =>
        index
          .eq("userId", userId)
          .eq("accountId", accountId)
          .gte("bookingDate", args.from)
          .lte("bookingDate", args.to),
      )
      .order("desc");
    for await (const tx of q) transactions.push(tx);
    return transactions;
  }

  const q = ctx.db
    .query("transactions")
    .withIndex("by_user_booking", (index) =>
      index.eq("userId", userId).gte("bookingDate", args.from).lte("bookingDate", args.to),
    )
    .order("desc");
  for await (const tx of q) transactions.push(tx);
  return sortTransactionsForContext(transactions, args.basis);
}

function calculateTotals(transactions: Doc<"transactions">[]) {
  const totals = transactions.reduce(
    (acc, tx) => {
      if (tx.amount > 0) acc.income += tx.amount;
      if (tx.amount < 0) acc.expenses += tx.amount;
      acc.balance += tx.amount;
      acc.transactionCount += 1;
      return acc;
    },
    { income: 0, expenses: 0, balance: 0, transactionCount: 0 },
  );

  return {
    transactionCount: totals.transactionCount,
    income: Math.round(totals.income * 100) / 100,
    expenses: Math.round(totals.expenses * 100) / 100,
    balance: Math.round(totals.balance * 100) / 100,
  };
}

async function buildContextSummary(
  ctx: QueryCtx,
  userId: Id<"users">,
  args: ChatContextArgs,
): Promise<{ summary: ChatContextSummary; transactions: Doc<"transactions">[] }> {
  const transactions = await loadMatchingTransactions(ctx, userId, args);
  const account = args.accountId ? await ctx.db.get(args.accountId) : null;

  return {
    summary: {
      from: args.from,
      to: args.to,
      basis: args.basis,
      accountId: args.accountId,
      accountName: account?.userId === userId ? account.name : undefined,
      totals: calculateTotals(transactions),
      isComplete: true,
    },
    transactions,
  };
}

const contextArgsValidator = {
  from: v.string(),
  to: v.string(),
  accountId: v.optional(v.id("accounts")),
  basis: v.union(v.literal("effective"), v.literal("booking")),
};

const totalsValidator = v.object({
  transactionCount: v.number(),
  income: v.number(),
  expenses: v.number(),
  balance: v.number(),
});

const contextSummaryValidator = v.object({
  from: v.string(),
  to: v.string(),
  basis: v.union(v.literal("effective"), v.literal("booking")),
  accountId: v.optional(v.id("accounts")),
  accountName: v.optional(v.string()),
  totals: totalsValidator,
  isComplete: v.literal(true),
});

const toolTraceValidator = v.object({
  name: v.string(),
  inputSummary: v.string(),
  resultSummary: v.string(),
});

const toolScopeValidator = v.object(contextArgsValidator);

const transactionTypeFilterValidator = v.union(v.literal("income"), v.literal("expense"));

const transactionToolArgsValidator = {
  scope: toolScopeValidator,
  from: v.optional(v.string()),
  to: v.optional(v.string()),
  accountId: v.optional(v.id("accounts")),
  accountName: v.optional(v.string()),
  categoryIds: v.optional(v.array(v.id("categories"))),
  categoryNames: v.optional(v.array(v.string())),
  search: v.optional(v.string()),
  type: v.optional(transactionTypeFilterValidator),
  limit: v.optional(v.number()),
};

const safeTransactionRowValidator = v.object({
  date: v.string(),
  bookingDate: v.optional(v.string()),
  effectiveMonth: v.optional(v.string()),
  description: v.string(),
  counterparty: v.optional(v.string()),
  amount: v.number(),
  categoryName: v.string(),
  accountName: v.string(),
  isPending: v.boolean(),
});

const monthlyTrendValidator = v.object({
  month: v.string(),
  income: v.number(),
  expenses: v.number(),
  balance: v.number(),
});

const categoryBreakdownValidator = v.object({
  categoryId: v.optional(v.id("categories")),
  name: v.string(),
  amount: v.number(),
  block: v.optional(v.union(v.literal("wiederkehrend"), v.literal("variabel"))),
});

export const getContext = query({
  args: contextArgsValidator,
  returns: contextSummaryValidator,
  handler: async (ctx, args): Promise<ChatContextSummary> => {
    const userId = await requireUserId(ctx);
    const { summary } = await buildContextSummary(ctx, userId, args);
    return summary;
  },
});

function parseMonthIndex(month: string) {
  const [year, monthNumber] = month.split("-").map(Number);
  return year * 12 + monthNumber;
}

function rangeMonthSpan(from: string, to: string) {
  return parseMonthIndex(to.slice(0, 7)) - parseMonthIndex(from.slice(0, 7)) + 1;
}

function clampToolLimit(limit: number | undefined) {
  if (limit === undefined) return DEFAULT_TOOL_ROW_LIMIT;
  return Math.max(1, Math.min(MAX_TOOL_ROW_LIMIT, Math.floor(limit)));
}

function normalizeToolRange(scope: AgentToolScope, from?: string, to?: string) {
  const range = {
    from: from?.trim() || scope.from,
    to: to?.trim() || scope.to,
  };
  if (range.from > range.to) {
    throw new Error("Ungültiger Zeitraum: von-Datum liegt nach bis-Datum.");
  }
  if (rangeMonthSpan(range.from, range.to) > MAX_TOOL_RANGE_MONTHS) {
    throw new Error(`Der Tool-Zeitraum darf maximal ${MAX_TOOL_RANGE_MONTHS} Monate umfassen.`);
  }
  return range;
}

async function loadNameMaps(ctx: QueryCtx, userId: Id<"users">) {
  const categories = await ctx.db
    .query("categories")
    .withIndex("by_user", (index) => index.eq("userId", userId))
    .collect();
  const accounts = await ctx.db
    .query("accounts")
    .withIndex("by_user", (index) => index.eq("userId", userId))
    .collect();

  return {
    categories,
    accounts,
    categoryById: new Map(categories.map((category) => [category._id, category])),
    accountById: new Map(accounts.map((account) => [account._id, account])),
  };
}

function findAccountIdByName(
  accounts: Doc<"accounts">[],
  accountName: string | undefined,
): Id<"accounts"> | undefined {
  const normalized = accountName?.trim().toLocaleLowerCase("de-DE");
  if (!normalized) return undefined;
  return accounts.find((account) => account.name.toLocaleLowerCase("de-DE") === normalized)?._id;
}

function categoryNameSet(categoryNames: string[] | undefined) {
  const normalized = categoryNames
    ?.map((name) => name.trim().toLocaleLowerCase("de-DE"))
    .filter(Boolean);
  return normalized && normalized.length > 0 ? new Set(normalized) : null;
}

function transactionMatchesToolFilters(
  tx: Doc<"transactions">,
  args: TransactionToolArgs,
  context: Pick<ToolTransactionContext, "categoryById" | "accountById">,
) {
  if (args.type === "income" && tx.amount <= 0) return false;
  if (args.type === "expense" && tx.amount >= 0) return false;

  if (args.categoryIds && args.categoryIds.length > 0) {
    const categoryId = tx.categoryId;
    if (!categoryId || !args.categoryIds.includes(categoryId)) return false;
  }

  const categoriesByName = categoryNameSet(args.categoryNames);
  if (categoriesByName) {
    const name = tx.categoryId ? context.categoryById.get(tx.categoryId)?.name : "Ohne Kategorie";
    if (!categoriesByName.has((name ?? "Ohne Kategorie").toLocaleLowerCase("de-DE"))) {
      return false;
    }
  }

  const search = args.search?.trim().toLocaleLowerCase("de-DE");
  if (search) {
    const categoryName = tx.categoryId ? context.categoryById.get(tx.categoryId)?.name : "";
    const accountName = tx.accountId ? context.accountById.get(tx.accountId)?.name : "";
    const haystack = [
      tx.description,
      tx.counterparty,
      categoryName,
      accountName,
    ]
      .filter(Boolean)
      .join(" ")
      .toLocaleLowerCase("de-DE");
    if (!haystack.includes(search)) return false;
  }

  return true;
}

async function buildToolTransactionContext(
  ctx: QueryCtx,
  userId: Id<"users">,
  args: TransactionToolArgs,
): Promise<ToolTransactionContext> {
  const maps = await loadNameMaps(ctx, userId);
  const range = normalizeToolRange(args.scope, args.from, args.to);
  const accountId = args.accountId ?? findAccountIdByName(maps.accounts, args.accountName) ?? args.scope.accountId;
  const account = accountId ? maps.accountById.get(accountId) : undefined;
  const transactions = (await loadMatchingTransactions(ctx, userId, {
    from: range.from,
    to: range.to,
    accountId,
    basis: args.scope.basis,
  })).filter((tx) => transactionMatchesToolFilters(tx, args, maps));

  return {
    ...maps,
    ...range,
    basis: args.scope.basis,
    accountId,
    accountName: account?.name,
    transactions,
  };
}

function safeTransactionRow(
  tx: Doc<"transactions">,
  context: Pick<ToolTransactionContext, "categoryById" | "accountById">,
) {
  return {
    date: tx.valueDate || tx.bookingDate || tx.effectiveMonth || "n/a",
    bookingDate: tx.bookingDate,
    effectiveMonth: tx.effectiveMonth,
    description: tx.description,
    counterparty: tx.counterparty,
    amount: Math.round(tx.amount * 100) / 100,
    categoryName: tx.categoryId
      ? context.categoryById.get(tx.categoryId)?.name ?? "Ohne Kategorie"
      : "Ohne Kategorie",
    accountName: tx.accountId
      ? context.accountById.get(tx.accountId)?.name ?? "Ohne Konto"
      : "Ohne Konto",
    isPending: tx.isPending,
  };
}

function roundMoney(value: number) {
  return Math.round(value * 100) / 100;
}

function summarizeTransactions(context: ToolTransactionContext) {
  const monthlyMap = new Map<string, { income: number; expenses: number }>();
  const categoryMap = new Map<
    string,
    { categoryId?: Id<"categories">; name: string; amount: number; block?: "wiederkehrend" | "variabel" }
  >();
  let fixedCosts = 0;
  let variableCosts = 0;

  for (const tx of context.transactions) {
    const month = monthKeyFromBasis(tx, context.basis);
    if (month) {
      const monthEntry = monthlyMap.get(month) ?? { income: 0, expenses: 0 };
      if (tx.amount > 0) monthEntry.income += tx.amount;
      if (tx.amount < 0) monthEntry.expenses += tx.amount;
      monthlyMap.set(month, monthEntry);
    }

    if (tx.amount >= 0) continue;
    const category = tx.categoryId ? context.categoryById.get(tx.categoryId) : undefined;
    if (category?.block === "wiederkehrend") fixedCosts += tx.amount;
    if (category?.block === "variabel") variableCosts += tx.amount;

    const key = tx.categoryId ?? "none";
    const categoryEntry = categoryMap.get(key) ?? {
      categoryId: tx.categoryId,
      name: category?.name ?? "Ohne Kategorie",
      amount: 0,
      block: category?.block,
    };
    categoryEntry.amount += tx.amount;
    categoryMap.set(key, categoryEntry);
  }

  return {
    totals: calculateTotals(context.transactions),
    fixedCosts: roundMoney(fixedCosts),
    variableCosts: roundMoney(variableCosts),
    monthlyTrend: [...monthlyMap.entries()]
      .sort(([a], [b]) => a.localeCompare(b))
      .map(([month, data]) => ({
        month,
        income: roundMoney(data.income),
        expenses: roundMoney(data.expenses),
        balance: roundMoney(data.income + data.expenses),
      })),
    categoryBreakdown: [...categoryMap.values()]
      .sort((a, b) => a.amount - b.amount)
      .map((entry) => ({ ...entry, amount: roundMoney(entry.amount) })),
  };
}

function toDisplayContextLine(
  tx: Doc<"transactions">,
  categoryById: Map<Id<"categories">, string>,
  accountById: Map<Id<"accounts">, string>,
) {
  const date = tx.valueDate || tx.bookingDate || "n/a";
  const amount = formatEuro(tx.amount);
  const name = tx.counterparty ?? "–";
  const category = tx.categoryId ? categoryById.get(tx.categoryId) : "Ohne Kategorie";
  const account = tx.accountId ? accountById.get(tx.accountId) : "Ohne Konto";
  return `${date} | ${tx.description} (${name}) | ${amount} | ${category ?? "Ohne Kategorie"} | ${account ?? "Ohne Konto"}${
    tx.isPending ? " | offen" : ""
  }`;
}

export const getTransactionsTool = internalQuery({
  args: transactionToolArgsValidator,
  returns: v.object({
    from: v.string(),
    to: v.string(),
    basis: v.union(v.literal("effective"), v.literal("booking")),
    accountName: v.optional(v.string()),
    totalCount: v.number(),
    hasMore: v.boolean(),
    totals: totalsValidator,
    rows: v.array(safeTransactionRowValidator),
  }),
  handler: async (ctx, args) => {
    const userId = await requireUserId(ctx);
    const context = await buildToolTransactionContext(ctx, userId, args);
    const limit = clampToolLimit(args.limit);
    const rows = context.transactions
      .slice(0, limit)
      .map((tx) => safeTransactionRow(tx, context));

    return {
      from: context.from,
      to: context.to,
      basis: context.basis,
      accountName: context.accountName,
      totalCount: context.transactions.length,
      hasMore: context.transactions.length > limit,
      totals: calculateTotals(context.transactions),
      rows,
    };
  },
});

export const summarizeSpendingTool = internalQuery({
  args: {
    scope: toolScopeValidator,
    from: v.optional(v.string()),
    to: v.optional(v.string()),
    accountId: v.optional(v.id("accounts")),
    accountName: v.optional(v.string()),
    categoryIds: v.optional(v.array(v.id("categories"))),
    categoryNames: v.optional(v.array(v.string())),
    search: v.optional(v.string()),
    type: v.optional(transactionTypeFilterValidator),
  },
  returns: v.object({
    from: v.string(),
    to: v.string(),
    basis: v.union(v.literal("effective"), v.literal("booking")),
    accountName: v.optional(v.string()),
    totals: totalsValidator,
    fixedCosts: v.number(),
    variableCosts: v.number(),
    monthlyTrend: v.array(monthlyTrendValidator),
    categoryBreakdown: v.array(categoryBreakdownValidator),
  }),
  handler: async (ctx, args) => {
    const userId = await requireUserId(ctx);
    const context = await buildToolTransactionContext(ctx, userId, args);
    const summary = summarizeTransactions(context);

    return {
      from: context.from,
      to: context.to,
      basis: context.basis,
      accountName: context.accountName,
      ...summary,
    };
  },
});

export const forecastCashflowTool = internalQuery({
  args: {
    scope: toolScopeValidator,
    from: v.optional(v.string()),
    to: v.optional(v.string()),
    accountId: v.optional(v.id("accounts")),
    accountName: v.optional(v.string()),
    horizonMonths: v.optional(v.number()),
    asOf: v.optional(v.string()),
  },
  returns: v.object({
    from: v.string(),
    to: v.string(),
    basis: v.union(v.literal("effective"), v.literal("booking")),
    accountName: v.optional(v.string()),
    baselineMonths: v.array(v.string()),
    excludedPartialMonth: v.union(v.string(), v.null()),
    monthlyAverage: v.object({
      income: v.number(),
      expenses: v.number(),
      balance: v.number(),
    }),
    projection: v.array(monthlyTrendValidator),
  }),
  handler: async (ctx, args) => {
    const userId = await requireUserId(ctx);
    const context = await buildToolTransactionContext(ctx, userId, args);
    const summary = summarizeTransactions(context);
    const asOfMonth = (args.asOf ?? new Date().toISOString().slice(0, 10)).slice(0, 7);
    const baseline = summary.monthlyTrend.filter((month) => month.month < asOfMonth);
    const excludedPartialMonth = summary.monthlyTrend.some((month) => month.month === asOfMonth)
      ? asOfMonth
      : null;
    const horizonMonths = Math.max(1, Math.min(3, Math.floor(args.horizonMonths ?? 3)));
    const denominator = baseline.length || 1;
    const monthlyAverage = {
      income: roundMoney(baseline.reduce((sum, month) => sum + month.income, 0) / denominator),
      expenses: roundMoney(baseline.reduce((sum, month) => sum + month.expenses, 0) / denominator),
      balance: roundMoney(baseline.reduce((sum, month) => sum + month.balance, 0) / denominator),
    };
    const projection = Array.from({ length: horizonMonths }, (_, index) => ({
      month: addMonthsToMonthKey(asOfMonth, index + 1),
      ...monthlyAverage,
    }));

    return {
      from: context.from,
      to: context.to,
      basis: context.basis,
      accountName: context.accountName,
      baselineMonths: baseline.map((month) => month.month),
      excludedPartialMonth,
      monthlyAverage,
      projection,
    };
  },
});

export const getPromptContext = internalQuery({
  args: contextArgsValidator,
  returns: v.object({
    ...contextSummaryValidator.fields,
    transactionLines: v.array(v.string()),
  }),
  handler: async (ctx, args): Promise<ChatPromptContext> => {
    const userId = await requireUserId(ctx);
    const { summary, transactions } = await buildContextSummary(ctx, userId, args);

    const categories = await ctx.db
      .query("categories")
      .withIndex("by_user", (index) => index.eq("userId", userId))
      .collect();
    const accounts = await ctx.db
      .query("accounts")
      .withIndex("by_user", (index) => index.eq("userId", userId))
      .collect();
    const categoryById = new Map(categories.map((category) => [category._id, category.name]));
    const accountById = new Map(accounts.map((account) => [account._id, account.name]));

    return {
      ...summary,
      transactionLines: transactions.map((tx) =>
        toDisplayContextLine(tx, categoryById, accountById),
      ),
    };
  },
});

function unknownRecord(value: unknown): Record<string, unknown> {
  return value && typeof value === "object" && !Array.isArray(value)
    ? (value as Record<string, unknown>)
    : {};
}

function maybeString(value: unknown): string | undefined {
  return typeof value === "string" && value.trim() ? value.trim() : undefined;
}

function maybeNumber(value: unknown): number | undefined {
  return typeof value === "number" && Number.isFinite(value) ? value : undefined;
}

function summarizeToolInput(input: unknown) {
  const record = unknownRecord(input);
  const parts = [];
  const from = maybeString(record.from);
  const to = maybeString(record.to);
  const search = maybeString(record.search);
  const limit = maybeNumber(record.limit);
  const horizonMonths = maybeNumber(record.horizonMonths);
  const type = maybeString(record.type);
  const categoryNames = Array.isArray(record.categoryNames)
    ? record.categoryNames.filter((name): name is string => typeof name === "string")
    : [];

  if (from || to) parts.push(`${from ?? "?"} bis ${to ?? "?"}`);
  if (search) parts.push(`Suche "${search}"`);
  if (categoryNames.length > 0) parts.push(`Kategorien ${categoryNames.join(", ")}`);
  if (type) parts.push(type === "income" ? "Einnahmen" : "Ausgaben");
  if (horizonMonths) parts.push(`${horizonMonths} Monate Prognose`);
  if (limit) parts.push(`Limit ${limit}`);

  return parts.length > 0 ? parts.join(", ") : "Standard-Kontext";
}

function totalsFromOutput(output: Record<string, unknown>) {
  const totals = unknownRecord(output.totals);
  return {
    count: maybeNumber(output.totalCount) ?? maybeNumber(totals.transactionCount) ?? 0,
    balance: maybeNumber(totals.balance) ?? 0,
  };
}

function summarizeToolOutput(toolName: string, output: unknown) {
  const record = unknownRecord(output);
  if (toolName === "get_transactions") {
    const totals = totalsFromOutput(record);
    const hasMore = record.hasMore === true;
    return `${totals.count} Umsätze, Saldo ${formatEuro(totals.balance)}, ${
      hasMore ? "weitere vorhanden" : "vollständig"
    }`;
  }

  if (toolName === "summarize_spending") {
    const totals = totalsFromOutput(record);
    const categoryCount = Array.isArray(record.categoryBreakdown)
      ? record.categoryBreakdown.length
      : 0;
    return `${totals.count} Umsätze, Saldo ${formatEuro(totals.balance)}, ${categoryCount} Kategorien`;
  }

  if (toolName === "forecast_cashflow") {
    const projectionCount = Array.isArray(record.projection) ? record.projection.length : 0;
    const average = unknownRecord(record.monthlyAverage);
    const balance = maybeNumber(average.balance) ?? 0;
    return `Prognose ${projectionCount} Monate, durchschnittlicher Saldo ${formatEuro(balance)}`;
  }

  return "Werkzeug ausgeführt";
}

export function buildToolTraceFromSteps(steps: unknown[]): ToolTrace[] {
  const trace: ToolTrace[] = [];
  for (const step of steps) {
    const stepRecord = unknownRecord(step);
    const toolResults = Array.isArray(stepRecord.toolResults) ? stepRecord.toolResults : [];
    for (const result of toolResults) {
      const resultRecord = unknownRecord(result);
      const name = maybeString(resultRecord.toolName);
      if (!name) continue;
      trace.push({
        name,
        inputSummary: summarizeToolInput(resultRecord.input),
        resultSummary: summarizeToolOutput(name, resultRecord.output),
      });
    }
  }
  return trace;
}

const transactionToolInputSchema = z.object({
  from: z.string().optional().describe("Optionales Startdatum im Format YYYY-MM-DD."),
  to: z.string().optional().describe("Optionales Enddatum im Format YYYY-MM-DD."),
  accountName: z.string().optional().describe("Optionaler Kontoname, falls von der UI-Auswahl abweichend."),
  categoryNames: z.array(z.string()).optional().describe("Optionale Kategorienamen wie Lebensmittel oder Miete."),
  search: z.string().optional().describe("Optionaler Suchtext für Beschreibung, Gegenpartei, Konto oder Kategorie."),
  type: z.enum(["income", "expense"]).optional().describe("Optional nur Einnahmen oder Ausgaben abrufen."),
  limit: z.number().int().min(1).max(MAX_TOOL_ROW_LIMIT).optional().describe("Maximale Anzahl Umsatzzeilen."),
});

const summaryToolInputSchema = transactionToolInputSchema.omit({ limit: true });

const forecastToolInputSchema = z.object({
  from: z.string().optional().describe("Optionales Startdatum der historischen Basis im Format YYYY-MM-DD."),
  to: z.string().optional().describe("Optionales Enddatum der historischen Basis im Format YYYY-MM-DD."),
  accountName: z.string().optional().describe("Optionaler Kontoname, falls von der UI-Auswahl abweichend."),
  horizonMonths: z.number().int().min(1).max(3).optional().describe("Anzahl der zu prognostizierenden Monate, 1 bis 3."),
});

export const ask = action({
  args: {
    messages: v.array(chatMessageValidator),
    from: v.string(),
    to: v.string(),
    accountId: v.optional(v.id("accounts")),
    basis: v.union(v.literal("effective"), v.literal("booking")),
  },
  returns: v.object({
    model: v.string(),
    answer: v.string(),
    usedTransactions: v.number(),
    usedBalance: v.object({
      income: v.number(),
      expenses: v.number(),
      balance: v.number(),
    }),
    toolTrace: v.array(toolTraceValidator),
  }),
  handler: async (ctx, args): Promise<ChatAskResult> => {
    if (args.messages.length === 0) {
      throw new Error("Kein Nutzernachrichttext vorhanden.");
    }

    if (!process.env.OPENAI_API_KEY) {
      throw new Error(
        "OPENAI_API_KEY ist nicht gesetzt. Bitte API-Key in den Convex-Umgebungsvariablen hinterlegen.",
      );
    }

    await requireUserId(ctx);
    const scope: AgentToolScope = {
      from: args.from,
      to: args.to,
      accountId: args.accountId,
      basis: args.basis,
    };

    const selectedSummary: {
      totalCount: number;
      totals: { income: number; expenses: number; balance: number; transactionCount: number };
      accountName?: string;
    } = await ctx.runQuery(internal.savingsChat.getTransactionsTool, {
      scope,
      limit: 1,
    });

    const lastMessages = args.messages
      .map((message): ChatMessage => ({ role: normalizeRole(message.role), content: message.content }))
      .slice(-MAX_CONVERSATION_MESSAGES);

    const system = buildSystemPrompt({
      from: args.from,
      to: args.to,
      basis: args.basis,
      accountName: selectedSummary.accountName,
    });

    const savingsTools = {
      get_transactions: tool({
        description:
          "Ruft passende Umsätze read-only ab. Nutze dieses Tool für Detailfragen, Suche nach Gegenparteien/Beschreibungen oder Belege einzelner Aussagen. Es liefert exakte Summen und nur begrenzte, sanitizte Zeilen.",
        inputSchema: transactionToolInputSchema,
        execute: async (input) =>
          await ctx.runQuery(internal.savingsChat.getTransactionsTool, {
            scope,
            ...input,
          }),
      }),
      summarize_spending: tool({
        description:
          "Berechnet read-only exakte Summen, Monatsverläufe, Kategorien sowie fixe und variable Ausgaben für den ausgewählten oder angegebenen Zeitraum.",
        inputSchema: summaryToolInputSchema,
        execute: async (input) =>
          await ctx.runQuery(internal.savingsChat.summarizeSpendingTool, {
            scope,
            ...input,
          }),
      }),
      forecast_cashflow: tool({
        description:
          "Erstellt eine deterministische Cashflow-Prognose für 1 bis 3 kommende Monate aus vollständigen historischen Monaten. Nutze es für Sparrate, Monatsüberschuss und kurzfristige Prognosen.",
        inputSchema: forecastToolInputSchema,
        execute: async (input) =>
          await ctx.runQuery(internal.savingsChat.forecastCashflowTool, {
            scope,
            ...input,
          }),
      }),
    };

    const envModel = process.env.SAVINGS_CHAT_MODEL?.trim();
    const candidates = [
      envModel,
      "gpt-5.4-mini",
      "gpt-4.1-mini",
      "gpt-4.1",
    ].filter(Boolean) as string[];

    let lastError: unknown;
    for (const modelName of candidates) {
      try {
        const result = await generateText({
          model: openai(modelName),
          system,
          messages: lastMessages,
          tools: savingsTools,
          stopWhen: stepCountIs(5),
        });
        return {
          model: modelName,
          answer: result.text,
          usedTransactions: selectedSummary.totals.transactionCount,
          usedBalance: {
            income: selectedSummary.totals.income,
            expenses: selectedSummary.totals.expenses,
            balance: selectedSummary.totals.balance,
          },
          toolTrace: buildToolTraceFromSteps(result.steps),
        };
      } catch (error) {
        lastError = error;
      }
    }

    const message =
      lastError instanceof Error
        ? lastError.message
        : "Unbekannter Fehler bei der KI-Anfrage";
    throw new Error(`KI-Anfrage fehlgeschlagen: ${message}`);
  },
});