finanzen/backlog/tasks/task-3 - Build-read-only-savings-agent-with-tool-calls.md

id, title, status, assignee, created_date, updated_date, labels, dependencies, priority, ordinal

id	title	status	assignee	created_date	updated_date	labels	dependencies	priority	ordinal
TASK-3	Build read-only savings agent with tool calls	Done		2026-06-15 19:02	2026-06-15 19:54			high	3000

Description

Convert Talk to Savings from a prompt-packed chat into a read-only AI SDK tool-calling agent with deterministic transaction retrieval, spending summaries, forecasts, and compact frontend tool traces.

Acceptance Criteria

• #1 Savings chat action uses AI SDK tool calls with a bounded multi-step loop and returns a compact tool trace
• #2 Read-only transaction retrieval tool supports selected scope, bounded custom ranges, account/category/search filters, exact totals, sanitized rows, and hasMore
• #3 Spending summary and cashflow forecast tools compute deterministic aggregates without model-invented math
• #4 Frontend remains localStorage-backed, loads legacy chats, and renders compact tool traces under assistant answers
• #5 Focused Convex tests, build, and targeted lint verification pass or known blockers are documented

Implementation Plan

1. Write failing Convex tests for read-only tool queries and traces
2. Implement internal read-only savings agent tool queries
3. Switch savingsChat.ask to AI SDK tool calling with bounded multi-step loop
4. Update frontend chat messages and compact tool trace rendering
5. Run focused tests, build, targeted lint, and record verification notes

Implementation Notes

Implementation complete pending user confirmation.

Subagents:

• Frontend UX worker updated src/pages/SavingsChatPage.tsx for legacy-safe localStorage message normalization and compact assistant tool traces.
• QA explorer reviewed Convex test strategy and confirmed mock AI SDK approach for ask() coverage.

Verification:

• PASS npx vitest convex/savingsChat.test.ts --run (8 tests)
• PASS npx eslint convex/savingsChat.ts convex/savingsChat.test.ts src/pages/SavingsChatPage.tsx
• PASS npm run build
• BLOCKED npm run lint on pre-existing unrelated files: convex/bank/comdirectProvider.ts, convex/bank/config.ts, src/components/import/TanAwaitDialog.tsx, layout/ui fast-refresh exports, SettingsPage.tsx, generated eslint-disable warnings, and existing React compiler warnings. No TASK-3 touched file appears in the full-lint error list.

Final Summary

Closed as Done after explicit user confirmation to mark all tasks done.