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Diagnostic flowchart for debugging Ready to Assign (RTA) calculation discrepancies
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| name | debug-rta |
| description | Diagnostic flowchart for debugging Ready to Assign (RTA) calculation discrepancies |
Use this skill when RTA shows an incorrect value. See scripts/ for diagnostic SQL queries.
npm run db:debug-rta
This prints per-month income, assigned, and RTA for the last 12 months.
RTA(M) = Cash Balance (non-CC budget accounts, date ≤ today)
+ Positive CC Balances (cashback/overpayments)
− Sum of category Available (latest complete month, cumulative)
− Future Month Assigned (months > latestComplete AND ≤ M)
− Credit Overspending Correction
RTA is per-month — assignments beyond month M do NOT reduce M's RTA.
| Symptom | Likely Cause | Section |
|---|---|---|
| RTA is way too high (millions) | Ghost entry → wrong latest month | §A |
| RTA is slightly too high | Credit overspending not subtracted | §B |
| RTA is too low | Extra assignments, missing carryforward | §C |
| Wrong for one specific month | available propagation broken | §D |
| Past month shows negative RTA | Clamping not applied | §E |
A ghost entry (assigned=0, activity=0, available=0) in a future month causes MAX(month) to select that month. With only 1 entry, SumAvailable ≈ 0 → RTA = full cash balance.
Diagnose: Run queries 1–2 from scripts/diagnostic-queries.sql.
Fix: Delete ghost entries. The HAVING COUNT(*) >= 10 clause is the safety net.
Prevention: updateBudgetAssignment() must delete rows when all fields are zero.
CC spending overspent a category. The negative available reduced SumAvailable without reducing cash → inflated RTA.
Diagnose: Run query 3 from scripts/diagnostic-queries.sql. Check getCashOverspendingForMonth() classification.
Key: If ALL spending is from CC → credit overspending (subtract from RTA formula). If ANY from cash → cash overspending (does NOT inflate RTA).
Check 1 — Carryforward: When no budget_months row exists, computeCarryforward() must fetch available from the latest prior month. If broken → available = 0.
Check 2 — Future assigned: Is futureMonthAssigned including too many months? Run query 5 from scripts/diagnostic-queries.sql.
Check 3 — Propagation: Assignment delta not propagating to subsequent months.
The available column is cumulative: available(M) = available(M-1) + assigned(M) + activity(M).
Diagnose: Run query 4 from scripts/diagnostic-queries.sql for the affected category. Look for breaks in the chain.
Past months (month < current) should clamp negative RTA to $0.00 (grey banner). Only current and future months show negative RTA (red banner).
| File | Function | Purpose |
|---|---|---|
lib/engine/rta.ts | calculateRTA() | Pure RTA formula |
lib/engine/rta-breakdown.ts | calculateRTABreakdown() | RTA popup breakdown |
lib/repos/budget.ts | getReadyToAssign() | Orchestration |
lib/engine/overspending.ts | calculateCashOverspending() | Cash vs credit |
lib/engine/carryforward.ts | computeCarryforward() | Month rollover |
lib/engine/cc-payment.ts | calculateCCPaymentAvailable() | CC funded amount |
scripts/debug-rta.ts | CLI script | Per-month dump |
Every balance query MUST use AND date <= date('now'). Missing this filter causes future transactions to inflate balances.
Functions that need this filter:
getReadyToAssign() — cash + CC balanceupdateBudgetActivity() — category activityupdateCreditCardPaymentBudget() — CC spendingupdateAccountBalances() — account balancesgetReconciliationInfo() — cleared balance02-ready-to-assign-calculation.md — Full formula03-credit-card-rta-logic.md — CC interaction07-rta-overspending-edge-cases.md — Overspending, carryforward, ghost entries