Implement banking system features and enhancements

- Added banking mode with checking, savings, and charity accounts, including auto-split options for income.
- Introduced banking transaction management, including transfers and charity outflows.
- Updated family settings to allow configuration of banking features and interest rates.
- Enhanced data export functionality to include bank transactions.
- Improved user interface to display banking information and donation goals.
- Updated documentation to reflect new banking features and settings.

api/bank_adjust_checking.php

@@ -0,0 +1,88 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can adjust checking balances'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$personId = trim((string) ($body['person_id'] ?? ''));
+$type = trim((string) ($body['type'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'manual');
+$amountRaw = $body['amount'] ?? null;
+
+if ($personId === '') {
+    sendJson(['success' => false, 'error' => 'person_id is required'], 400);
+}
+if (!in_array($type, ['credit', 'debit'], true)) {
+    sendJson(['success' => false, 'error' => 'type must be credit or debit'], 400);
+}
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+
+$targetIdx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $targetIdx = $i;
+        break;
+    }
+}
+if ($targetIdx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$allocations = ['checking' => 0.0, 'savings' => 0.0, 'charity' => 0.0, 'roundup' => 0.0];
+if ($type === 'credit') {
+    $result = bankingCreditCheckingByRule($people[$targetIdx], $amount, $settings);
+    $people[$targetIdx] = $result['person'];
+    $allocations = $result['allocations'];
+} else {
+    $checking = (float) ($people[$targetIdx]['checking_balance'] ?? 0);
+    if ($checking < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient checking balance'], 400);
+    }
+    $people[$targetIdx]['checking_balance'] = bankingRoundMoney($checking - $amount);
+    $people[$targetIdx]['currency_balance'] = $people[$targetIdx]['checking_balance'];
+    $allocations['checking'] = -$amount;
+}
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'manual_' . $type,
+    'person_id' => $personId,
+    'amount' => $amount,
+    'allocations' => $allocations,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved balances but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$targetIdx]]);

api/bank_charity_outflow.php

@@ -0,0 +1,74 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can log charity outflow'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$personId = trim((string) ($body['person_id'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'donation');
+$amountRaw = $body['amount'] ?? null;
+
+if ($personId === '') {
+    sendJson(['success' => false, 'error' => 'person_id is required'], 400);
+}
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$pending = (float) ($people[$idx]['charity_pending_balance'] ?? 0);
+if ($pending < $amount) {
+    sendJson(['success' => false, 'error' => 'Insufficient charity pending balance'], 400);
+}
+$people[$idx]['charity_pending_balance'] = bankingRoundMoney($pending - $amount);
+$people[$idx]['charity_donated_total'] = bankingRoundMoney((float) ($people[$idx]['charity_donated_total'] ?? 0) + $amount);
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'charity_outflow',
+    'person_id' => $personId,
+    'amount' => $amount,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved outflow but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$idx]]);

api/bank_reverse_transaction.php

@@ -0,0 +1,133 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
+    sendJson(['success' => false, 'error' => 'Only a verified Head of household can reverse transactions'], 403);
+}
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$transactionId = trim((string) ($body['transaction_id'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+if ($transactionId === '') {
+    sendJson(['success' => false, 'error' => 'transaction_id is required'], 400);
+}
+
+$rows = readJsonFile('bank_transactions.json');
+if (!is_array($rows)) {
+    $rows = [];
+}
+$original = null;
+foreach ($rows as $row) {
+    if (is_array($row) && (($row['id'] ?? '') === $transactionId)) {
+        $original = $row;
+        break;
+    }
+}
+if ($original === null) {
+    sendJson(['success' => false, 'error' => 'Transaction not found'], 404);
+}
+if (!empty($original['reversed_by_transaction_id'])) {
+    sendJson(['success' => false, 'error' => 'Transaction already reversed'], 400);
+}
+if (($original['type'] ?? '') === 'reversal') {
+    sendJson(['success' => false, 'error' => 'Cannot reverse a reversal transaction'], 400);
+}
+
+$personId = (string) ($original['person_id'] ?? '');
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Person for original transaction not found'], 404);
+}
+
+$type = (string) ($original['type'] ?? '');
+$amount = bankingRoundMoney((float) ($original['amount'] ?? 0));
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'Original transaction amount is invalid'], 400);
+}
+
+if ($type === 'manual_credit' || $type === 'income_chore') {
+    $alloc = is_array($original['allocations'] ?? null) ? $original['allocations'] : [];
+    $ck = (float) ($alloc['checking'] ?? 0);
+    $sv = (float) ($alloc['savings'] ?? 0);
+    $ch = (float) ($alloc['charity'] ?? 0);
+    if ((float) $people[$idx]['checking_balance'] < $ck || (float) $people[$idx]['savings_balance'] < $sv || (float) $people[$idx]['charity_pending_balance'] < $ch) {
+        sendJson(['success' => false, 'error' => 'Insufficient balances to reverse this credit'], 400);
+    }
+    $people[$idx]['checking_balance'] = bankingRoundMoney((float) $people[$idx]['checking_balance'] - $ck);
+    $people[$idx]['savings_balance'] = bankingRoundMoney((float) $people[$idx]['savings_balance'] - $sv);
+    $people[$idx]['charity_pending_balance'] = bankingRoundMoney((float) $people[$idx]['charity_pending_balance'] - $ch);
+} elseif ($type === 'manual_debit') {
+    $people[$idx]['checking_balance'] = bankingRoundMoney((float) $people[$idx]['checking_balance'] + $amount);
+} elseif ($type === 'charity_outflow') {
+    if ((float) $people[$idx]['charity_donated_total'] < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient donated total to reverse outflow'], 400);
+    }
+    $people[$idx]['charity_donated_total'] = bankingRoundMoney((float) $people[$idx]['charity_donated_total'] - $amount);
+    $people[$idx]['charity_pending_balance'] = bankingRoundMoney((float) $people[$idx]['charity_pending_balance'] + $amount);
+} elseif ($type === 'transfer') {
+    $from = (string) ($original['from_account'] ?? '');
+    $to = (string) ($original['to_account'] ?? '');
+    $fieldMap = ['checking' => 'checking_balance', 'savings' => 'savings_balance', 'charity' => 'charity_pending_balance'];
+    if (!isset($fieldMap[$from], $fieldMap[$to])) {
+        sendJson(['success' => false, 'error' => 'Original transfer accounts are invalid'], 400);
+    }
+    $toField = $fieldMap[$to];
+    $fromField = $fieldMap[$from];
+    if ((float) $people[$idx][$toField] < $amount) {
+        sendJson(['success' => false, 'error' => 'Insufficient balances to reverse this transfer'], 400);
+    }
+    $people[$idx][$toField] = bankingRoundMoney((float) $people[$idx][$toField] - $amount);
+    $people[$idx][$fromField] = bankingRoundMoney((float) $people[$idx][$fromField] + $amount);
+} else {
+    sendJson(['success' => false, 'error' => 'This transaction type cannot be reversed'], 400);
+}
+$people[$idx]['currency_balance'] = (float) ($people[$idx]['checking_balance'] ?? 0);
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people balances'], 500);
+}
+
+$reversalId = bin2hex(random_bytes(8));
+for ($i = 0; $i < count($rows); $i++) {
+    if (($rows[$i]['id'] ?? '') === $transactionId) {
+        $rows[$i]['reversed_by_transaction_id'] = $reversalId;
+        $rows[$i]['reversed_at'] = gmdate('c');
+        $rows[$i]['reversed_by'] = (string) ($actor['id'] ?? '');
+    }
+}
+$reversal = [
+    'id' => $reversalId,
+    'type' => 'reversal',
+    'person_id' => $personId,
+    'amount' => $amount,
+    'category' => 'reversal',
+    'note' => $note,
+    'reversal_of_transaction_id' => $transactionId,
+    'created_at' => gmdate('c'),
+    'created_by' => (string) ($actor['id'] ?? ''),
+];
+$rows[] = $reversal;
+if (!writeJsonFile('bank_transactions.json', $rows)) {
+    sendJson(['success' => false, 'error' => 'Failed to save transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $reversal, 'person' => $people[$idx]]);

api/bank_set_donation_goal.php

@@ -0,0 +1,50 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+$settings = loadFamilySettings();
+if (empty($settings['banking_enabled'])) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$body = readJsonBody();
+$goalRaw = $body['goal_monthly'] ?? null;
+if (!is_numeric($goalRaw)) {
+    sendJson(['success' => false, 'error' => 'goal_monthly must be numeric'], 400);
+}
+$goal = round((float) $goalRaw, 2);
+if ($goal < 0) {
+    sendJson(['success' => false, 'error' => 'goal_monthly must be >= 0'], 400);
+}
+$targetPersonId = trim((string) ($body['person_id'] ?? ''));
+$actorId = (string) ($actor['id'] ?? '');
+$isHoh = (($actor['role'] ?? '') === ROLE_HEAD) && isHohVerified();
+if ($targetPersonId === '') {
+    $targetPersonId = $actorId;
+}
+if (!$isHoh && $targetPersonId !== $actorId) {
+    sendJson(['success' => false, 'error' => 'Only verified Head of household can set goals for others'], 403);
+}
+
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $targetPersonId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+$people[$idx]['donation_goal_monthly'] = $goal;
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save goal'], 500);
+}
+sendJson(['success' => true, 'person' => $people[$idx]]);

api/bank_statement.php

@@ -0,0 +1,107 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'GET') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+
+$month = trim((string) ($_GET['month'] ?? gmdate('Y-m')));
+if (!preg_match('/^\d{4}-\d{2}$/', $month)) {
+    sendJson(['success' => false, 'error' => 'month must be YYYY-MM'], 400);
+}
+$format = trim((string) ($_GET['format'] ?? 'json'));
+if (!in_array($format, ['json', 'csv'], true)) {
+    sendJson(['success' => false, 'error' => 'format must be json or csv'], 400);
+}
+
+$personId = trim((string) ($_GET['person_id'] ?? ''));
+if ($personId === '') {
+    $personId = (string) ($actor['id'] ?? '');
+}
+$isHoh = (($actor['role'] ?? '') === ROLE_HEAD) && isHohVerified();
+if (!$isHoh && $personId !== (string) ($actor['id'] ?? '')) {
+    sendJson(['success' => false, 'error' => 'Only verified Head of household can view statements for others'], 403);
+}
+
+$person = null;
+foreach ($people as $p) {
+    if (($p['id'] ?? '') === $personId) {
+        $person = $p;
+        break;
+    }
+}
+if ($person === null) {
+    sendJson(['success' => false, 'error' => 'Person not found'], 404);
+}
+
+$rows = readJsonFile('bank_transactions.json');
+if (!is_array($rows)) {
+    $rows = [];
+}
+$prefix = $month . '-';
+$filtered = [];
+foreach ($rows as $row) {
+    if (!is_array($row)) {
+        continue;
+    }
+    if ((string) ($row['person_id'] ?? '') !== $personId) {
+        continue;
+    }
+    $createdAt = (string) ($row['created_at'] ?? '');
+    $ymd = bankingYmd($createdAt);
+    if (strpos($ymd, $prefix) !== 0) {
+        continue;
+    }
+    $filtered[] = $row;
+}
+
+if ($format === 'csv') {
+    header('Content-Type: text/csv; charset=utf-8');
+    header('Content-Disposition: attachment; filename="bank_statement_' . $personId . '_' . $month . '.csv"');
+    $out = fopen('php://output', 'w');
+    if ($out === false) {
+        exit;
+    }
+    fputcsv($out, ['id', 'created_at', 'type', 'amount', 'category', 'note', 'from_account', 'to_account', 'reversal_of_transaction_id']);
+    foreach ($filtered as $row) {
+        fputcsv($out, [
+            (string) ($row['id'] ?? ''),
+            (string) ($row['created_at'] ?? ''),
+            (string) ($row['type'] ?? ''),
+            (string) ($row['amount'] ?? ''),
+            (string) ($row['category'] ?? ''),
+            (string) ($row['note'] ?? ''),
+            (string) ($row['from_account'] ?? ''),
+            (string) ($row['to_account'] ?? ''),
+            (string) ($row['reversal_of_transaction_id'] ?? ''),
+        ]);
+    }
+    fclose($out);
+    exit;
+}
+
+sendJson([
+    'success' => true,
+    'month' => $month,
+    'person' => [
+        'id' => (string) ($person['id'] ?? ''),
+        'name' => (string) ($person['name'] ?? ''),
+    ],
+    'balances' => [
+        'checking' => (float) ($person['checking_balance'] ?? 0),
+        'savings' => (float) ($person['savings_balance'] ?? 0),
+        'charity_pending' => (float) ($person['charity_pending_balance'] ?? 0),
+        'charity_donated_total' => (float) ($person['charity_donated_total'] ?? 0),
+    ],
+    'transactions' => $filtered,
+]);

api/bank_transfer.php

@@ -0,0 +1,87 @@
+<?php
+
+require_once __DIR__ . '/../includes/api_bootstrap.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
+    sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
+}
+
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$actor = requireActivePerson($people);
+$settings = loadFamilySettings();
+if (!bankingEnabled($settings)) {
+    sendJson(['success' => false, 'error' => 'Banking mode is not enabled'], 400);
+}
+$people = bankingApplySavingsInterestToPeople($people, $settings);
+$body = readJsonBody();
+$from = trim((string) ($body['from_account'] ?? ''));
+$to = trim((string) ($body['to_account'] ?? ''));
+$note = trim((string) ($body['note'] ?? ''));
+$category = bankingCategoryOrDefault((string) ($body['category'] ?? ''), 'transfer');
+$amountRaw = $body['amount'] ?? null;
+
+if (!is_numeric($amountRaw)) {
+    sendJson(['success' => false, 'error' => 'amount must be numeric'], 400);
+}
+$amount = bankingRoundMoney((float) $amountRaw);
+if ($amount <= 0) {
+    sendJson(['success' => false, 'error' => 'amount must be greater than zero'], 400);
+}
+$allowedAccounts = ['checking', 'savings', 'charity'];
+if (!in_array($from, $allowedAccounts, true) || !in_array($to, $allowedAccounts, true) || $from === $to) {
+    sendJson(['success' => false, 'error' => 'Invalid transfer accounts'], 400);
+}
+if ($from === 'charity') {
+    sendJson(['success' => false, 'error' => 'Funds in charity cannot be transferred out'], 400);
+}
+
+$actorId = (string) ($actor['id'] ?? '');
+$idx = null;
+foreach ($people as $i => $p) {
+    if (($p['id'] ?? '') === $actorId) {
+        $idx = $i;
+        break;
+    }
+}
+if ($idx === null) {
+    sendJson(['success' => false, 'error' => 'Active person not found'], 404);
+}
+
+$fieldMap = [
+    'checking' => 'checking_balance',
+    'savings' => 'savings_balance',
+    'charity' => 'charity_pending_balance',
+];
+$fromField = $fieldMap[$from];
+$toField = $fieldMap[$to];
+$fromBalance = (float) ($people[$idx][$fromField] ?? 0);
+if ($fromBalance < $amount) {
+    sendJson(['success' => false, 'error' => 'Insufficient source balance'], 400);
+}
+$people[$idx][$fromField] = bankingRoundMoney($fromBalance - $amount);
+$people[$idx][$toField] = bankingRoundMoney((float) ($people[$idx][$toField] ?? 0) + $amount);
+$people[$idx]['currency_balance'] = (float) ($people[$idx]['checking_balance'] ?? 0);
+
+if (!writeJsonFile('people.json', $people)) {
+    sendJson(['success' => false, 'error' => 'Failed to save people'], 500);
+}
+
+$tx = [
+    'id' => bin2hex(random_bytes(8)),
+    'type' => 'transfer',
+    'person_id' => $actorId,
+    'amount' => $amount,
+    'from_account' => $from,
+    'to_account' => $to,
+    'category' => $category,
+    'note' => $note,
+    'created_at' => gmdate('c'),
+    'created_by' => $actorId,
+];
+if (!appendBankTransaction($tx)) {
+    sendJson(['success' => false, 'error' => 'Saved transfer but failed to write transaction log'], 500);
+}
+
+sendJson(['success' => true, 'transaction' => $tx, 'person' => $people[$idx]]);

api/chore_review.php

@@ -2,12 +2,16 @@
 
 require_once __DIR__ . '/../includes/api_bootstrap.php';
 require_once __DIR__ . '/../includes/chore_helpers.php';
+require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
 
 if ($_SERVER['REQUEST_METHOD'] !== 'POST') {
     sendJson(['success' => false, 'error' => 'Method not allowed'], 405);
 }
 
 $people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
+$familySettings = loadFamilySettings();
+$people = bankingApplySavingsInterestToPeople($people, $familySettings);
 $actor = requireActivePerson($people);
 if (($actor['role'] ?? '') !== ROLE_HEAD || !isHohVerified()) {
     sendJson(['success' => false, 'error' => 'Only a verified Head of household can review chores'], 403);
@@ -86,8 +90,25 @@ foreach ($people as $pi => $p) {
         $n = count($assignees);
         $creditedEach = $n > 0 ? round($value / $n, 2) : 0.0;
     }
-    $bal = $p['currency_balance'] ?? 0;
-    $people[$pi]['currency_balance'] = (is_numeric($bal) ? (float) $bal : 0.0) + $creditedEach;
+    if (bankingEnabled($familySettings)) {
+        $result = bankingCreditCheckingByRule($people[$pi], $creditedEach, $familySettings);
+        $people[$pi] = $result['person'];
+        appendBankTransaction([
+            'id' => bin2hex(random_bytes(8)),
+            'type' => 'income_chore',
+            'person_id' => $pid,
+            'amount' => bankingRoundMoney($creditedEach),
+            'allocations' => $result['allocations'],
+            'category' => 'chore',
+            'note' => (string) ($row['title'] ?? ''),
+            'created_at' => gmdate('c'),
+            'created_by' => (string) ($actor['id'] ?? ''),
+        ]);
+    } else {
+        $bal = $p['currency_balance'] ?? 0;
+        $people[$pi]['currency_balance'] = (is_numeric($bal) ? (float) $bal : 0.0) + $creditedEach;
+        $people[$pi]['checking_balance'] = $people[$pi]['currency_balance'];
+    }
     $creditedRecipients++;
 }
 

api/data_snapshot.php

@@ -19,6 +19,7 @@ $allowed = [
     'meal_plans' => 'meal_plans.json',
     'family_settings' => 'family_settings.json',
     'expenses' => 'expenses.json',
+    'bank_transactions' => 'bank_transactions.json',
 ];
 
 $type = isset($_GET['type']) ? trim((string) $_GET['type']) : '';

api/family_settings_save.php

@@ -30,6 +30,49 @@ if (isset($body['currency_permanence'])) {
     }
     $merged['currency_permanence'] = $p;
 }
+if (array_key_exists('banking_enabled', $body)) {
+    $merged['banking_enabled'] = !empty($body['banking_enabled']);
+}
+if (array_key_exists('banking_auto_split_enabled', $body)) {
+    $merged['banking_auto_split_enabled'] = !empty($body['banking_auto_split_enabled']);
+}
+if (array_key_exists('banking_auto_split_savings_pct', $body)) {
+    if (!is_numeric($body['banking_auto_split_savings_pct'])) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_savings_pct must be numeric'], 400);
+    }
+    $pct = round((float) $body['banking_auto_split_savings_pct'], 2);
+    if ($pct < 0 || $pct > 100) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_savings_pct must be 0-100'], 400);
+    }
+    $merged['banking_auto_split_savings_pct'] = $pct;
+}
+if (array_key_exists('banking_auto_split_charity_pct', $body)) {
+    if (!is_numeric($body['banking_auto_split_charity_pct'])) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_charity_pct must be numeric'], 400);
+    }
+    $pct = round((float) $body['banking_auto_split_charity_pct'], 2);
+    if ($pct < 0 || $pct > 100) {
+        sendJson(['success' => false, 'error' => 'banking_auto_split_charity_pct must be 0-100'], 400);
+    }
+    $merged['banking_auto_split_charity_pct'] = $pct;
+}
+if (array_key_exists('banking_savings_monthly_interest_rate', $body)) {
+    if (!is_numeric($body['banking_savings_monthly_interest_rate'])) {
+        sendJson(['success' => false, 'error' => 'banking_savings_monthly_interest_rate must be numeric'], 400);
+    }
+    $rate = round((float) $body['banking_savings_monthly_interest_rate'], 6);
+    if ($rate < 0) {
+        sendJson(['success' => false, 'error' => 'banking_savings_monthly_interest_rate must be >= 0'], 400);
+    }
+    $merged['banking_savings_monthly_interest_rate'] = $rate;
+}
+if (array_key_exists('banking_roundup_destination', $body)) {
+    $dest = trim((string) $body['banking_roundup_destination']);
+    if (!in_array($dest, ['off', 'savings', 'charity'], true)) {
+        sendJson(['success' => false, 'error' => 'banking_roundup_destination must be off, savings, or charity'], 400);
+    }
+    $merged['banking_roundup_destination'] = $dest;
+}
 if (isset($body['timezone'])) {
     $tz = trim((string) $body['timezone']);
     if (!in_array($tz, familyHubUsTimezoneIdentifiers(), true)) {
@@ -67,6 +110,11 @@ if (array_key_exists('nfc_scan_cooldown_seconds', $body)) {
     }
     $merged['nfc_scan_cooldown_seconds'] = $cooldown;
 }
+if (
+    ((float) ($merged['banking_auto_split_savings_pct'] ?? 0) + (float) ($merged['banking_auto_split_charity_pct'] ?? 0)) > 100
+) {
+    sendJson(['success' => false, 'error' => 'banking auto split percentages cannot exceed 100 total'], 400);
+}
 
 $merged = normalizeLoadedFamilySettings($merged);
 

api/people_create.php

@@ -58,6 +58,12 @@ $newPerson = [
     'birthday' => $birthday,
     'favoriteColor' => $favoriteColor,
     'currency_balance' => 0,
+    'checking_balance' => 0,
+    'savings_balance' => 0,
+    'charity_pending_balance' => 0,
+    'charity_donated_total' => 0,
+    'donation_goal_monthly' => 0,
+    'banking_interest_last_applied_at' => '',
     'nfc_submit_token_hash' => '',
     'nfc_submit_token_updated_at' => '',
     'created_at' => gmdate('c'),

api/people_create_first.php

@@ -46,6 +46,12 @@ $newPerson = [
     'birthday' => $birthday,
     'favoriteColor' => $favoriteColor,
     'currency_balance' => 0,
+    'checking_balance' => 0,
+    'savings_balance' => 0,
+    'charity_pending_balance' => 0,
+    'charity_donated_total' => 0,
+    'donation_goal_monthly' => 0,
+    'banking_interest_last_applied_at' => '',
     'nfc_submit_token_hash' => '',
     'nfc_submit_token_updated_at' => '',
     'created_at' => gmdate('c'),

assets/js/main.js

@@ -188,6 +188,12 @@
         currency_symbol: $('#currency_symbol').val(),
         currency_name: $('#currency_name').val(),
         currency_permanence: $('#currency_permanence').val(),
+        banking_enabled: $('#banking_enabled').is(':checked'),
+        banking_auto_split_enabled: $('#banking_auto_split_enabled').is(':checked'),
+        banking_auto_split_savings_pct: Number($('#banking_auto_split_savings_pct').val()) || 0,
+        banking_auto_split_charity_pct: Number($('#banking_auto_split_charity_pct').val()) || 0,
+        banking_savings_monthly_interest_rate: Number($('#banking_savings_monthly_interest_rate').val()) || 0,
+        banking_roundup_destination: $('#banking_roundup_destination').val() || 'off',
         week_starts_on: parseInt($('#week_starts_on').val(), 10),
         nfc_base_url: ($('#nfc_base_url').val() || '').trim(),
         nfc_show_confirmation: $('#nfc_show_confirmation').is(':checked'),
@@ -1014,32 +1020,143 @@
   }
 
   function bindCurrencyPage() {
-    var $form = $('#expenseForm');
-    if (!$form.length) {
+    var hasLegacyExpense = $('#expenseForm').length > 0;
+    var hasBanking = $('#bankTransferForm').length > 0
+      || $('#bankAdjustForm').length > 0
+      || $('#charityOutflowForm').length > 0;
+    if (!hasLegacyExpense && !hasBanking) {
       return;
     }
-    $form.on('submit', function (e) {
+    if (hasLegacyExpense) {
+      $('#expenseForm').on('submit', function (e) {
+        e.preventDefault();
+        var payload = {
+          title: $('#expense_title').val(),
+          description: $('#expense_description').val(),
+          date: $('#expense_date').val(),
+          value: Number($('#expense_value').val()),
+          assignee_id: $('#expense_assignee').val()
+        };
+        postJson('/expense_create.php', payload)
+          .then(function () {
+            var $fb = $('#expenseFormFeedback');
+            showAlert($fb, 'success', 'Expense recorded. Reloading…');
+            $fb.removeClass('d-none');
+            window.location.reload();
+          })
+          .catch(function (err) {
+            var $fb = $('#expenseFormFeedback');
+            showAlert($fb, 'danger', err.message || 'Could not record expense');
+            $fb.removeClass('d-none');
+          });
+      });
+    }
+
+    $('#bankTransferForm').on('submit', function (e) {
       e.preventDefault();
-      var payload = {
-        title: $('#expense_title').val(),
-        description: $('#expense_description').val(),
-        date: $('#expense_date').val(),
-        value: Number($('#expense_value').val()),
-        assignee_id: $('#expense_assignee').val()
-      };
-      postJson('/expense_create.php', payload)
+      var from = $('#transfer_from_account').val();
+      var to = $('#transfer_to_account').val();
+      if (to === 'charity' && !window.confirm('Transfers into charity cannot be moved back out. Continue?')) {
+        return;
+      }
+      postJson('/bank_transfer.php', {
+        from_account: from,
+        to_account: to,
+        amount: Number($('#transfer_amount').val()) || 0,
+        category: $('#transfer_category').val(),
+        note: $('#transfer_note').val()
+      })
         .then(function () {
-          var $fb = $('#expenseFormFeedback');
-          showAlert($fb, 'success', 'Expense recorded. Reloading…');
+          var $fb = $('#bankTransferFeedback');
+          showAlert($fb, 'success', 'Transfer saved. Reloading…');
           $fb.removeClass('d-none');
           window.location.reload();
         })
         .catch(function (err) {
-          var $fb = $('#expenseFormFeedback');
-          showAlert($fb, 'danger', err.message || 'Could not record expense');
+          var $fb = $('#bankTransferFeedback');
+          showAlert($fb, 'danger', err.message || 'Could not transfer');
           $fb.removeClass('d-none');
         });
     });
+
+    $('#bankAdjustForm').on('submit', function (e) {
+      e.preventDefault();
+      postJson('/bank_adjust_checking.php', {
+        person_id: $('#bank_adjust_person').val(),
+        type: $('#bank_adjust_type').val(),
+        amount: Number($('#bank_adjust_amount').val()) || 0,
+        category: $('#bank_adjust_category').val(),
+        note: $('#bank_adjust_note').val()
+      })
+        .then(function () {
+          var $fb = $('#bankAdjustFeedback');
+          showAlert($fb, 'success', 'Checking transaction saved. Reloading…');
+          $fb.removeClass('d-none');
+          window.location.reload();
+        })
+        .catch(function (err) {
+          var $fb = $('#bankAdjustFeedback');
+          showAlert($fb, 'danger', err.message || 'Could not save transaction');
+          $fb.removeClass('d-none');
+        });
+    });
+
+    $('#charityOutflowForm').on('submit', function (e) {
+      e.preventDefault();
+      postJson('/bank_charity_outflow.php', {
+        person_id: $('#charity_outflow_person').val(),
+        amount: Number($('#charity_outflow_amount').val()) || 0,
+        category: $('#charity_outflow_category').val(),
+        note: $('#charity_outflow_note').val()
+      })
+        .then(function () {
+          var $fb = $('#charityOutflowFeedback');
+          showAlert($fb, 'success', 'Charity outflow logged. Reloading…');
+          $fb.removeClass('d-none');
+          window.location.reload();
+        })
+        .catch(function (err) {
+          var $fb = $('#charityOutflowFeedback');
+          showAlert($fb, 'danger', err.message || 'Could not log outflow');
+          $fb.removeClass('d-none');
+        });
+    });
+
+    $('#donationGoalForm').on('submit', function (e) {
+      e.preventDefault();
+      postJson('/bank_set_donation_goal.php', {
+        person_id: $('#donation_goal_person').val(),
+        goal_monthly: Number($('#donation_goal_monthly').val()) || 0
+      })
+        .then(function () {
+          var $fb = $('#donationGoalFeedback');
+          showAlert($fb, 'success', 'Donation goal saved. Reloading…');
+          $fb.removeClass('d-none');
+          window.location.reload();
+        })
+        .catch(function (err) {
+          var $fb = $('#donationGoalFeedback');
+          showAlert($fb, 'danger', err.message || 'Could not save goal');
+          $fb.removeClass('d-none');
+        });
+    });
+
+    $(document).on('click', '.btn-bank-reverse', function () {
+      var txid = $(this).data('id');
+      if (!txid) {
+        return;
+      }
+      if (!window.confirm('Create a reversal entry for this transaction? This keeps audit history intact.')) {
+        return;
+      }
+      postJson('/bank_reverse_transaction.php', { transaction_id: txid, note: 'Reversed by HoH' })
+        .then(function () {
+          window.location.reload();
+        })
+        .catch(function (err) {
+          window.alert(err.message || 'Could not reverse transaction');
+        });
+    });
   }
 
   function bindPeopleTable() {

export.php

@@ -17,7 +17,7 @@ if (isset($_GET['type'])) {
     $type = sanitizeInput($_GET['type']);
     if (in_array($type, [
         'chores', 'groceries', 'meals', 'meal_plans', 'expenses',
-        'stores', 'grocery_lists', 'grocery_catalog',
+        'stores', 'grocery_lists', 'grocery_catalog', 'bank_transactions',
     ], true)) {
         if (exportData($type)) {
             echo json_encode(['success' => true, 'message' => 'Export successful']);

includes/banking_helpers.php

@@ -0,0 +1,168 @@
+<?php
+
+require_once __DIR__ . '/family_settings.php';
+require_once __DIR__ . '/persona.php';
+
+function bankingEnabled(array $familySettings): bool {
+    return !empty($familySettings['banking_enabled']);
+}
+
+function bankingRoundMoney(float $value): float {
+    return round($value, 2);
+}
+
+function bankingYmd(string $isoDate): string {
+    if (preg_match('/^\d{4}-\d{2}-\d{2}$/', $isoDate)) {
+        return $isoDate;
+    }
+    if ($isoDate !== '' && strlen($isoDate) >= 10) {
+        $candidate = substr($isoDate, 0, 10);
+        if (preg_match('/^\d{4}-\d{2}-\d{2}$/', $candidate)) {
+            return $candidate;
+        }
+    }
+    return gmdate('Y-m-d');
+}
+
+function bankingDaysInMonth(string $ymd): int {
+    $parts = explode('-', $ymd);
+    if (count($parts) !== 3) {
+        return 30;
+    }
+    $year = (int) $parts[0];
+    $month = (int) $parts[1];
+    if ($year < 1970 || $month < 1 || $month > 12) {
+        return 30;
+    }
+    return cal_days_in_month(CAL_GREGORIAN, $month, $year);
+}
+
+function bankingDailyRate(float $monthlyRatePercent, string $ymd): float {
+    if ($monthlyRatePercent <= 0) {
+        return 0.0;
+    }
+    $days = bankingDaysInMonth($ymd);
+    if ($days <= 0) {
+        return 0.0;
+    }
+    $monthlyRate = $monthlyRatePercent / 100.0;
+    return pow(1 + $monthlyRate, 1.0 / $days) - 1.0;
+}
+
+function bankingApplySavingsInterestToPerson(array $person, array $familySettings, ?string $asOfYmd = null): array {
+    if (!bankingEnabled($familySettings)) {
+        return $person;
+    }
+    $asOf = $asOfYmd !== null ? bankingYmd($asOfYmd) : gmdate('Y-m-d');
+    $last = bankingYmd((string) ($person['banking_interest_last_applied_at'] ?? ''));
+    if (($person['banking_interest_last_applied_at'] ?? '') === '') {
+        $person['banking_interest_last_applied_at'] = $asOf;
+        return $person;
+    }
+    if ($last >= $asOf) {
+        return $person;
+    }
+    $monthlyRate = (float) ($familySettings['banking_savings_monthly_interest_rate'] ?? 0);
+    if ($monthlyRate <= 0) {
+        $person['banking_interest_last_applied_at'] = $asOf;
+        return $person;
+    }
+    $savings = is_numeric($person['savings_balance'] ?? null) ? (float) $person['savings_balance'] : 0.0;
+    if ($savings <= 0) {
+        $person['banking_interest_last_applied_at'] = $asOf;
+        return $person;
+    }
+
+    $cursor = $last;
+    while ($cursor < $asOf) {
+        $next = gmdate('Y-m-d', strtotime($cursor . ' +1 day'));
+        $dailyRate = bankingDailyRate($monthlyRate, $next);
+        if ($dailyRate > 0 && $savings > 0) {
+            $savings = $savings * (1 + $dailyRate);
+        }
+        $cursor = $next;
+    }
+    $person['savings_balance'] = bankingRoundMoney($savings);
+    $person['banking_interest_last_applied_at'] = $asOf;
+    return $person;
+}
+
+function bankingApplySavingsInterestToPeople(array $people, array $familySettings, ?string $asOfYmd = null): array {
+    $out = [];
+    foreach ($people as $person) {
+        if (!is_array($person)) {
+            continue;
+        }
+        $out[] = bankingApplySavingsInterestToPerson($person, $familySettings, $asOfYmd);
+    }
+    return $out;
+}
+
+function bankingCreditCheckingByRule(array $person, float $amount, array $familySettings): array {
+    $amount = bankingRoundMoney($amount);
+    if ($amount <= 0) {
+        return ['person' => $person, 'allocations' => ['checking' => 0.0, 'savings' => 0.0, 'charity' => 0.0, 'roundup' => 0.0]];
+    }
+    $checking = $amount;
+    $savings = 0.0;
+    $charity = 0.0;
+    $roundup = 0.0;
+
+    if (!empty($familySettings['banking_auto_split_enabled'])) {
+        $sPct = (float) ($familySettings['banking_auto_split_savings_pct'] ?? 0);
+        $cPct = (float) ($familySettings['banking_auto_split_charity_pct'] ?? 0);
+        if (($sPct + $cPct) > 100) {
+            $cPct = max(0, 100 - $sPct);
+        }
+        $savings = bankingRoundMoney($amount * ($sPct / 100.0));
+        $charity = bankingRoundMoney($amount * ($cPct / 100.0));
+        $checking = bankingRoundMoney($amount - $savings - $charity);
+    }
+
+    $roundupDest = (string) ($familySettings['banking_roundup_destination'] ?? 'off');
+    if ($roundupDest !== 'off' && $checking > 0) {
+        $fraction = $checking - floor($checking);
+        $needed = $fraction > 0 ? bankingRoundMoney(1 - $fraction) : 0.0;
+        if ($needed > 0) {
+            $roundup = min($needed, $checking);
+            $checking = bankingRoundMoney($checking - $roundup);
+            if ($roundupDest === 'savings') {
+                $savings = bankingRoundMoney($savings + $roundup);
+            } elseif ($roundupDest === 'charity') {
+                $charity = bankingRoundMoney($charity + $roundup);
+            }
+        }
+    }
+
+    $person['checking_balance'] = bankingRoundMoney((float) ($person['checking_balance'] ?? 0) + $checking);
+    $person['savings_balance'] = bankingRoundMoney((float) ($person['savings_balance'] ?? 0) + $savings);
+    $person['charity_pending_balance'] = bankingRoundMoney((float) ($person['charity_pending_balance'] ?? 0) + $charity);
+    $person['currency_balance'] = $person['checking_balance'];
+
+    return [
+        'person' => $person,
+        'allocations' => [
+            'checking' => $checking,
+            'savings' => $savings,
+            'charity' => $charity,
+            'roundup' => $roundup,
+        ],
+    ];
+}
+
+function appendBankTransaction(array $tx): bool {
+    $rows = readJsonFile('bank_transactions.json');
+    if (!is_array($rows)) {
+        $rows = [];
+    }
+    $rows[] = $tx;
+    return writeJsonFile('bank_transactions.json', $rows);
+}
+
+function bankingCategoryOrDefault(string $category, string $default): string {
+    $category = trim($category);
+    if ($category === '') {
+        return $default;
+    }
+    return substr($category, 0, 50);
+}

includes/family_settings.php

@@ -30,6 +30,12 @@ function familySettingsDefaultsRaw(): array {
         'currency_symbol' => '★',
         'currency_name' => 'Stars',
         'currency_permanence' => 'permanent',
+        'banking_enabled' => false,
+        'banking_auto_split_enabled' => false,
+        'banking_auto_split_savings_pct' => 0,
+        'banking_auto_split_charity_pct' => 0,
+        'banking_savings_monthly_interest_rate' => 0,
+        'banking_roundup_destination' => 'off',
         'timezone' => 'America/New_York',
         'week_starts_on' => 0,
         'calendar_two_way_google' => false,
@@ -80,6 +86,24 @@ function normalizeTimezoneToUs(string $tz, array $allowed): string {
 function normalizeLoadedFamilySettings(array $s): array {
     $allowed = familyHubUsTimezoneIdentifiers();
     $s['timezone'] = normalizeTimezoneToUs((string) ($s['timezone'] ?? ''), $allowed);
+    $bankingEnabled = $s['banking_enabled'] ?? false;
+    $s['banking_enabled'] = $bankingEnabled === true || $bankingEnabled === 1 || $bankingEnabled === '1' || $bankingEnabled === 'true';
+    $autoSplitEnabled = $s['banking_auto_split_enabled'] ?? false;
+    $s['banking_auto_split_enabled'] = $autoSplitEnabled === true || $autoSplitEnabled === 1 || $autoSplitEnabled === '1' || $autoSplitEnabled === 'true';
+    $savingsPct = (float) ($s['banking_auto_split_savings_pct'] ?? 0);
+    $charityPct = (float) ($s['banking_auto_split_charity_pct'] ?? 0);
+    $s['banking_auto_split_savings_pct'] = max(0, min(100, round($savingsPct, 2)));
+    $s['banking_auto_split_charity_pct'] = max(0, min(100, round($charityPct, 2)));
+    if (($s['banking_auto_split_savings_pct'] + $s['banking_auto_split_charity_pct']) > 100) {
+        $s['banking_auto_split_charity_pct'] = max(0, round(100 - $s['banking_auto_split_savings_pct'], 2));
+    }
+    $monthlyRate = (float) ($s['banking_savings_monthly_interest_rate'] ?? 0);
+    $s['banking_savings_monthly_interest_rate'] = max(0, round($monthlyRate, 6));
+    $roundupDestination = trim((string) ($s['banking_roundup_destination'] ?? 'off'));
+    if (!in_array($roundupDestination, ['off', 'savings', 'charity'], true)) {
+        $roundupDestination = 'off';
+    }
+    $s['banking_roundup_destination'] = $roundupDestination;
     $v = $s['calendar_two_way_google'] ?? false;
     $s['calendar_two_way_google'] = $v === true || $v === 1 || $v === '1' || $v === 'true';
     $s['calendar_bill_days'] = normalizeCalendarBillDaysRaw($s['calendar_bill_days'] ?? []);

includes/persona.php

@@ -103,6 +103,39 @@ function normalizePeopleList($raw): array {
  * @return array<string, mixed>
  */
 function migrateLegacyPersonRow(array $person): array {
+    $currencyBalance = is_numeric($person['currency_balance'] ?? null) ? (float) $person['currency_balance'] : 0.0;
+    $checkingBalance = array_key_exists('checking_balance', $person) && is_numeric($person['checking_balance'])
+        ? (float) $person['checking_balance']
+        : $currencyBalance;
+    $person['checking_balance'] = round($checkingBalance, 2);
+    if (!array_key_exists('currency_balance', $person) || !is_numeric($person['currency_balance'])) {
+        $person['currency_balance'] = $person['checking_balance'];
+    } else {
+        $person['currency_balance'] = round((float) $person['currency_balance'], 2);
+    }
+    if (!array_key_exists('savings_balance', $person) || !is_numeric($person['savings_balance'])) {
+        $person['savings_balance'] = 0.0;
+    } else {
+        $person['savings_balance'] = round((float) $person['savings_balance'], 2);
+    }
+    if (!array_key_exists('charity_pending_balance', $person) || !is_numeric($person['charity_pending_balance'])) {
+        $person['charity_pending_balance'] = 0.0;
+    } else {
+        $person['charity_pending_balance'] = round((float) $person['charity_pending_balance'], 2);
+    }
+    if (!array_key_exists('charity_donated_total', $person) || !is_numeric($person['charity_donated_total'])) {
+        $person['charity_donated_total'] = 0.0;
+    } else {
+        $person['charity_donated_total'] = round((float) $person['charity_donated_total'], 2);
+    }
+    if (!array_key_exists('donation_goal_monthly', $person) || !is_numeric($person['donation_goal_monthly'])) {
+        $person['donation_goal_monthly'] = 0.0;
+    } else {
+        $person['donation_goal_monthly'] = max(0, round((float) $person['donation_goal_monthly'], 2));
+    }
+    if (!array_key_exists('banking_interest_last_applied_at', $person) || !is_string($person['banking_interest_last_applied_at'])) {
+        $person['banking_interest_last_applied_at'] = '';
+    }
     if (!array_key_exists('nfc_submit_token_hash', $person) || !is_string($person['nfc_submit_token_hash'])) {
         $person['nfc_submit_token_hash'] = '';
     }

index.php

@@ -7,7 +7,7 @@ require_once 'includes/family_settings.php';
 
 startFamilyHubSession();
 
-$people = normalizePeopleList(readJsonFile('people.json'));
+$people = migrateAllPeople(normalizePeopleList(readJsonFile('people.json')));
 if (getActivePersonId() !== null && getActivePerson($people) === null) {
     clearPersonaSession();
 }

readme.md

@@ -4,6 +4,8 @@ A centralized family organization system with tabs for chores, groceries, meal p
 
 ## Features
 - Tabbed interface for chores, groceries, meals, combined Calendar (Family Hub agenda plus optional Google embed), currency, and family settings (profiles, stores, preferences)
+- Optional banking mode in the Currency tab: per-person checking, savings, and charity accounts with transfer rules and HoH controls
+- Banking safeguards and reporting: irreversible transfers into charity, immutable transaction reversals, and monthly statements (JSON/CSV)
 - JSON-based data storage under `data/`
 - Daily automated exports (`scripts/daily_export.php` and `export.php?type=…`)
 - Mobile-friendly interface
@@ -15,7 +17,7 @@ A centralized family organization system with tabs for chores, groceries, meal p
    - Alternatively, copy `env.example` to `.env` and edit `.env` by hand.
    - See [Environment variables](#environment-variables) below for where to get each value.
 3. Ensure proper permissions on the `data` directory (and that the web server can create or write JSON files there).
-4. Set up the daily cron job for exports (see `scripts/daily_export.php`). It writes one JSON file per type into `exports/` (for example `chores`, `groceries`, `meals`, **`meal_plans`**, `expenses`, `stores`, `grocery_lists`, `grocery_catalog`). From the command line, the script exits with an error if `.env` is missing; complete browser setup first or copy `env.example` manually.
+4. Set up the daily cron job for exports (see `scripts/daily_export.php`). It writes one JSON file per type into `exports/` (for example `chores`, `groceries`, `meals`, **`meal_plans`**, `expenses`, `stores`, `grocery_lists`, `grocery_catalog`, `bank_transactions`). From the command line, the script exits with an error if `.env` is missing; complete browser setup first or copy `env.example` manually.
 5. Access the hub at `http://your-local-ip/familyHub/` (adjust path and host to match your deployment).
 
 ### Google Cloud prerequisites (OAuth + APIs)
@@ -114,6 +116,28 @@ These are **not** in `.env`; they live in `data/family_settings.json` and are ed
 
 **API:** `GET api/calendar_events.php?from=YYYY-MM-DD&to=YYYY-MM-DD` returns `{ success, events, rangeStart, rangeEnd, today }` for the signed-in profile (same session rules as other APIs). Omit `from`/`to` to use the default two-week window from **today** in the family timezone.
 
+## Banking mode (optional)
+
+Enable this in **Family settings → Chore economy → Banking system**.
+
+- **Accounts per person**
+  - `checking_balance`: primary spendable chore income balance.
+  - `savings_balance`: earns the configured monthly rate, compounded daily via lazy apply when balances are read/written.
+  - `charity_pending_balance`: funds committed to charity and not transferable back out.
+  - `charity_donated_total`: historical amount already logged as donated by HoH.
+- **Income routing**
+  - Approved chore payouts and HoH manual credits flow through checking.
+  - Optional auto split sends a percent of each incoming credit to savings and charity.
+  - Optional round-up rule moves each income credit’s fractional remainder to either savings or charity.
+- **Permissions**
+  - Any active person can move their own funds between checking/savings/charity, but cannot transfer out of charity.
+  - Verified HoH can add checking credits/debits, log charity outflows, and reverse transactions with immutable compensating entries.
+- **Donation goals**
+  - Per-person monthly donation goals with progress based on current-month charity outflow totals.
+- **Statements**
+  - `GET api/bank_statement.php?month=YYYY-MM&format=json|csv[&person_id=...]`
+  - Non-HoH users can fetch only their own statement; verified HoH can request any person.
+
 ## NFC chore submission (HoH)
 
 NFC support uses per-chore tokens plus per-person submitter tokens so a scan can submit as a specific person and credit that person after HoH approval.
@@ -170,7 +194,7 @@ Generated links use:
 ## Directory Structure
 ```
 familyHub/
-├── api/                  # JSON endpoints (chores, groceries, meals, people, settings, expenses, calendar_events, NFC helpers, …)
+├── api/                  # JSON endpoints (chores, groceries, meals, people, settings, expenses, banking, calendar_events, NFC helpers, …)
 ├── assets/               # Static assets
 │   ├── css/              # CSS files
 │   │   └── style.css
@@ -185,6 +209,7 @@ familyHub/
 │   ├── people.json       # Profiles, roles, PIN hashes, currency balances
 │   ├── family_settings.json   # Currency labels, US timezone, week start, calendar merge flag, bill reminders, etc.
 │   ├── expenses.json     # Head-of-household expense log
+│   ├── bank_transactions.json # Banking ledger (credits, debits, transfers, outflows, reversals)
 │   ├── stores.json       # Grocery store definitions
 │   ├── grocery_lists.json     # Per-store shopping lines
 │   ├── grocery_catalog.json   # Deduped catalog / recurring metadata

scripts/daily_export.php

@@ -4,7 +4,7 @@ require_once __DIR__ . '/../includes/utils.php';
 require_once __DIR__ . '/../config/config.php';
 
 // Export all data types
-$types = ['chores', 'groceries', 'meals', 'meal_plans', 'expenses', 'stores', 'grocery_lists', 'grocery_catalog'];
+$types = ['chores', 'groceries', 'meals', 'meal_plans', 'expenses', 'stores', 'grocery_lists', 'grocery_catalog', 'bank_transactions'];
 $results = [];
 
 foreach ($types as $type) {

tabs/currency.php

@@ -4,19 +4,27 @@ require_once __DIR__ . '/../includes/utils.php';
 require_once __DIR__ . '/../includes/persona.php';
 require_once __DIR__ . '/../includes/expense_helpers.php';
 require_once __DIR__ . '/../includes/family_settings.php';
+require_once __DIR__ . '/../includes/banking_helpers.php';
 
 $sym = trim((string) ($familySettings['currency_symbol'] ?? '★'));
 $name = trim((string) ($familySettings['currency_name'] ?? ''));
 $tabTitle = currencyTabLabel($familySettings);
+$bankingMode = bankingEnabled($familySettings);
 
 $canRecordExpense = $activePerson !== null
     && ($activePerson['role'] ?? '') === ROLE_HEAD
     && isHohVerified();
 
+$people = migrateAllPeople($people);
+if ($bankingMode) {
+    $people = bankingApplySavingsInterestToPeople($people, $familySettings);
+    writeJsonFile('people.json', $people);
+}
+
 $leaderboard = $people;
 usort($leaderboard, static function ($a, $b) {
-    $ba = is_numeric($a['currency_balance'] ?? null) ? (float) $a['currency_balance'] : 0.0;
-    $bb = is_numeric($b['currency_balance'] ?? null) ? (float) $b['currency_balance'] : 0.0;
+    $ba = is_numeric($a['checking_balance'] ?? null) ? (float) $a['checking_balance'] : (is_numeric($a['currency_balance'] ?? null) ? (float) $a['currency_balance'] : 0.0);
+    $bb = is_numeric($b['checking_balance'] ?? null) ? (float) $b['checking_balance'] : (is_numeric($b['currency_balance'] ?? null) ? (float) $b['currency_balance'] : 0.0);
     $cmp = $bb <=> $ba;
     if ($cmp !== 0) {
         return $cmp;
@@ -43,6 +51,33 @@ usort($expenses, static function ($a, $b) {
 $recentExpenses = array_slice($expenses, 0, 50);
 
 $today = gmdate('Y-m-d');
+$currentMonth = gmdate('Y-m');
+$bankRows = readJsonFile('bank_transactions.json');
+if (!is_array($bankRows)) {
+    $bankRows = [];
+}
+usort($bankRows, static function ($a, $b) {
+    return strcmp((string) ($b['created_at'] ?? ''), (string) ($a['created_at'] ?? ''));
+});
+$recentBank = array_slice($bankRows, 0, 80);
+$donatedByPersonThisMonth = [];
+foreach ($bankRows as $row) {
+    if (!is_array($row)) {
+        continue;
+    }
+    if ((string) ($row['type'] ?? '') !== 'charity_outflow') {
+        continue;
+    }
+    $dateYmd = bankingYmd((string) ($row['created_at'] ?? ''));
+    if (strpos($dateYmd, $currentMonth . '-') !== 0) {
+        continue;
+    }
+    $pid = (string) ($row['person_id'] ?? '');
+    if ($pid === '') {
+        continue;
+    }
+    $donatedByPersonThisMonth[$pid] = ($donatedByPersonThisMonth[$pid] ?? 0) + (float) ($row['amount'] ?? 0);
+}
 ?>
 
 <div id="currency" class="tab-content">
@@ -65,7 +100,15 @@ $today = gmdate('Y-m-d');
                                     <tr>
                                         <th scope="col" class="text-muted">#</th>
                                         <th scope="col">Name</th>
-                                        <th scope="col" class="text-end">Balance</th>
+                                        <?php if ($bankingMode): ?>
+                                            <th scope="col" class="text-end">Checking</th>
+                                            <th scope="col" class="text-end">Savings</th>
+                                            <th scope="col" class="text-end">Charity pending</th>
+                                            <th scope="col" class="text-end">Donated total</th>
+                                            <th scope="col">Donation goal progress</th>
+                                        <?php else: ?>
+                                            <th scope="col" class="text-end">Balance</th>
+                                        <?php endif; ?>
                                     </tr>
                                 </thead>
                                 <tbody>
@@ -73,12 +116,36 @@ $today = gmdate('Y-m-d');
                                         <?php
                                             $pid = (string) ($p['id'] ?? '');
                                             $bal = is_numeric($p['currency_balance'] ?? null) ? (float) $p['currency_balance'] : 0.0;
+                                            $checkingBal = is_numeric($p['checking_balance'] ?? null) ? (float) $p['checking_balance'] : 0.0;
+                                            $savingsBal = is_numeric($p['savings_balance'] ?? null) ? (float) $p['savings_balance'] : 0.0;
+                                            $charityPending = is_numeric($p['charity_pending_balance'] ?? null) ? (float) $p['charity_pending_balance'] : 0.0;
+                                            $charityDonated = is_numeric($p['charity_donated_total'] ?? null) ? (float) $p['charity_donated_total'] : 0.0;
+                                            $goal = is_numeric($p['donation_goal_monthly'] ?? null) ? (float) $p['donation_goal_monthly'] : 0.0;
+                                            $donatedThisMonth = (float) ($donatedByPersonThisMonth[$pid] ?? 0);
+                                            $goalPct = $goal > 0 ? (int) max(0, min(100, round(($donatedThisMonth / $goal) * 100))) : 0;
                                             $isSelf = $activePerson && ($activePerson['id'] ?? '') === $pid;
                                         ?>
                                         <tr class="<?= $isSelf ? 'table-primary' : '' ?>">
                                             <td class="text-muted"><?= (int) $rank + 1 ?></td>
                                             <td><?= sanitizeInput($p['name'] ?? '') ?><?php if ($isSelf): ?> <span class="badge text-bg-info">You</span><?php endif; ?></td>
-                                            <td class="text-end text-nowrap"><strong><?= htmlspecialchars(number_format($bal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?></strong> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                            <?php if ($bankingMode): ?>
+                                                <td class="text-end text-nowrap"><strong><?= htmlspecialchars(number_format($checkingBal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?></strong> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                                <td class="text-end text-nowrap"><?= htmlspecialchars(number_format($savingsBal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                                <td class="text-end text-nowrap"><?= htmlspecialchars(number_format($charityPending, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                                <td class="text-end text-nowrap"><?= htmlspecialchars(number_format($charityDonated, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                                <td>
+                                                    <?php if ($goal > 0): ?>
+                                                        <div class="progress" role="progressbar" aria-label="Donation goal progress" aria-valuemin="0" aria-valuemax="100" aria-valuenow="<?= $goalPct ?>">
+                                                            <div class="progress-bar" style="width: <?= $goalPct ?>%"></div>
+                                                        </div>
+                                                        <div class="small text-muted mt-1"><?= htmlspecialchars(number_format($donatedThisMonth, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> / <?= htmlspecialchars(number_format($goal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></div>
+                                                    <?php else: ?>
+                                                        <span class="small text-muted">No goal set</span>
+                                                    <?php endif; ?>
+                                                </td>
+                                            <?php else: ?>
+                                                <td class="text-end text-nowrap"><strong><?= htmlspecialchars(number_format($bal, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?></strong> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                            <?php endif; ?>
                                         </tr>
                                     <?php endforeach; ?>
                                 </tbody>
@@ -90,7 +157,151 @@ $today = gmdate('Y-m-d');
         </div>
 
         <div class="col-lg-7">
-            <?php if ($canRecordExpense): ?>
+            <?php if ($bankingMode): ?>
+                <div class="card border-secondary mb-4">
+                    <div class="card-header d-flex justify-content-between align-items-center">
+                        <span><i class="fa fa-arrow-right-arrow-left me-1"></i> Move your funds</span>
+                    </div>
+                    <div class="card-body">
+                        <form id="bankTransferForm" class="row g-3">
+                            <div class="col-md-4">
+                                <label class="form-label" for="transfer_from_account">From</label>
+                                <select class="form-select" id="transfer_from_account" required>
+                                    <option value="checking">Checking</option>
+                                    <option value="savings">Savings</option>
+                                </select>
+                            </div>
+                            <div class="col-md-4">
+                                <label class="form-label" for="transfer_to_account">To</label>
+                                <select class="form-select" id="transfer_to_account" required>
+                                    <option value="savings">Savings</option>
+                                    <option value="checking">Checking</option>
+                                    <option value="charity">Charity (irreversible)</option>
+                                </select>
+                            </div>
+                            <div class="col-md-4">
+                                <label class="form-label" for="transfer_amount">Amount (<?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?>)</label>
+                                <input type="number" step="0.01" min="0.01" class="form-control" id="transfer_amount" required>
+                            </div>
+                            <div class="col-md-4">
+                                <label class="form-label" for="transfer_category">Category</label>
+                                <input class="form-control" id="transfer_category" maxlength="50" value="transfer">
+                            </div>
+                            <div class="col-md-8">
+                                <label class="form-label" for="transfer_note">Note</label>
+                                <input class="form-control" id="transfer_note" maxlength="200" placeholder="Optional note">
+                            </div>
+                            <div class="col-12">
+                                <button type="submit" class="btn btn-primary">Submit transfer</button>
+                            </div>
+                            <div class="col-12">
+                                <div class="alert d-none" id="bankTransferFeedback" role="status"></div>
+                            </div>
+                        </form>
+                    </div>
+                </div>
+
+                <div class="card border-secondary mb-4">
+                    <div class="card-header"><i class="fa fa-heart me-1"></i> Monthly donation goal</div>
+                    <div class="card-body">
+                        <form id="donationGoalForm" class="row g-3">
+                            <?php if ($canRecordExpense): ?>
+                            <div class="col-md-6">
+                                <label class="form-label" for="donation_goal_person">Person</label>
+                                <select class="form-select" id="donation_goal_person">
+                                    <?php foreach ($people as $p): ?>
+                                        <?php if (empty($p['id'])) { continue; } ?>
+                                        <option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>" <?= (($activePerson['id'] ?? '') === ($p['id'] ?? '')) ? 'selected' : '' ?>><?= sanitizeInput($p['name'] ?? '') ?></option>
+                                    <?php endforeach; ?>
+                                </select>
+                            </div>
+                            <?php else: ?>
+                                <input type="hidden" id="donation_goal_person" value="<?= htmlspecialchars((string) ($activePerson['id'] ?? ''), ENT_QUOTES, 'UTF-8') ?>">
+                            <?php endif; ?>
+                            <div class="<?= $canRecordExpense ? 'col-md-6' : 'col-md-12' ?>">
+                                <label class="form-label" for="donation_goal_monthly">Goal for month (<?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?>)</label>
+                                <input type="number" step="0.01" min="0" class="form-control" id="donation_goal_monthly" value="<?= htmlspecialchars(number_format((float) ($activePerson['donation_goal_monthly'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?>">
+                            </div>
+                            <div class="col-12">
+                                <button type="submit" class="btn btn-outline-primary">Save donation goal</button>
+                            </div>
+                            <div class="col-12">
+                                <div class="alert d-none" id="donationGoalFeedback" role="status"></div>
+                            </div>
+                        </form>
+                    </div>
+                </div>
+
+                <?php if ($canRecordExpense): ?>
+                    <div class="card border-secondary mb-4">
+                        <div class="card-header">HoH checking credit/debit</div>
+                        <div class="card-body">
+                            <form id="bankAdjustForm" class="row g-3">
+                                <div class="col-md-4">
+                                    <label class="form-label" for="bank_adjust_person">Person</label>
+                                    <select class="form-select" id="bank_adjust_person" required>
+                                        <?php foreach ($people as $p): ?>
+                                            <?php if (empty($p['id'])) { continue; } ?>
+                                            <option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>"><?= sanitizeInput($p['name'] ?? '') ?></option>
+                                        <?php endforeach; ?>
+                                    </select>
+                                </div>
+                                <div class="col-md-4">
+                                    <label class="form-label" for="bank_adjust_type">Type</label>
+                                    <select class="form-select" id="bank_adjust_type">
+                                        <option value="credit">Credit</option>
+                                        <option value="debit">Debit</option>
+                                    </select>
+                                </div>
+                                <div class="col-md-4">
+                                    <label class="form-label" for="bank_adjust_amount">Amount</label>
+                                    <input type="number" min="0.01" step="0.01" class="form-control" id="bank_adjust_amount" required>
+                                </div>
+                                <div class="col-md-4">
+                                    <label class="form-label" for="bank_adjust_category">Category</label>
+                                    <input class="form-control" id="bank_adjust_category" maxlength="50" value="manual">
+                                </div>
+                                <div class="col-md-8">
+                                    <label class="form-label" for="bank_adjust_note">Note</label>
+                                    <input class="form-control" id="bank_adjust_note" maxlength="200">
+                                </div>
+                                <div class="col-12"><button type="submit" class="btn btn-danger">Save checking transaction</button></div>
+                                <div class="col-12"><div class="alert d-none" id="bankAdjustFeedback" role="status"></div></div>
+                            </form>
+                        </div>
+                    </div>
+                    <div class="card border-secondary mb-4">
+                        <div class="card-header">HoH charity outflow</div>
+                        <div class="card-body">
+                            <form id="charityOutflowForm" class="row g-3">
+                                <div class="col-md-4">
+                                    <label class="form-label" for="charity_outflow_person">Person</label>
+                                    <select class="form-select" id="charity_outflow_person" required>
+                                        <?php foreach ($people as $p): ?>
+                                            <?php if (empty($p['id'])) { continue; } ?>
+                                            <option value="<?= htmlspecialchars((string) $p['id'], ENT_QUOTES, 'UTF-8') ?>"><?= sanitizeInput($p['name'] ?? '') ?></option>
+                                        <?php endforeach; ?>
+                                    </select>
+                                </div>
+                                <div class="col-md-4">
+                                    <label class="form-label" for="charity_outflow_amount">Amount</label>
+                                    <input type="number" min="0.01" step="0.01" class="form-control" id="charity_outflow_amount" required>
+                                </div>
+                                <div class="col-md-4">
+                                    <label class="form-label" for="charity_outflow_category">Category</label>
+                                    <input class="form-control" id="charity_outflow_category" maxlength="50" value="donation">
+                                </div>
+                                <div class="col-md-12">
+                                    <label class="form-label" for="charity_outflow_note">Note</label>
+                                    <input class="form-control" id="charity_outflow_note" maxlength="200">
+                                </div>
+                                <div class="col-12"><button type="submit" class="btn btn-warning">Log charity outflow</button></div>
+                                <div class="col-12"><div class="alert d-none" id="charityOutflowFeedback" role="status"></div></div>
+                            </form>
+                        </div>
+                    </div>
+                <?php endif; ?>
+            <?php elseif ($canRecordExpense): ?>
                 <div class="card border-secondary mb-4">
                     <div class="card-header d-flex justify-content-between align-items-center">
                         <span><i class="fa fa-minus-circle me-1"></i> Record expense</span>
@@ -143,36 +354,86 @@ $today = gmdate('Y-m-d');
             <?php endif; ?>
 
             <div class="card">
-                <div class="card-header">Recent expenses</div>
+                <div class="card-header"><?= $bankingMode ? 'Recent bank transactions' : 'Recent expenses' ?></div>
                 <div class="card-body p-0">
-                    <?php if (count($recentExpenses) === 0): ?>
+                    <?php if ($bankingMode && count($recentBank) === 0): ?>
+                        <p class="p-3 text-muted mb-0">No bank transactions recorded yet.</p>
+                    <?php elseif (!$bankingMode && count($recentExpenses) === 0): ?>
                         <p class="p-3 text-muted mb-0">No expenses recorded yet.</p>
                     <?php else: ?>
                         <div class="table-responsive">
                             <table class="table table-sm mb-0">
                                 <thead>
                                     <tr>
-                                        <th>Date</th>
-                                        <th>Title</th>
-                                        <th>To</th>
-                                        <th class="text-end">Amount</th>
+                                        <?php if ($bankingMode): ?>
+                                            <th>Date</th>
+                                            <th>Person</th>
+                                            <th>Type</th>
+                                            <th>Category</th>
+                                            <th>Note</th>
+                                            <th class="text-end">Amount</th>
+                                            <?php if ($canRecordExpense): ?><th></th><?php endif; ?>
+                                        <?php else: ?>
+                                            <th>Date</th>
+                                            <th>Title</th>
+                                            <th>To</th>
+                                            <th class="text-end">Amount</th>
+                                        <?php endif; ?>
                                     </tr>
                                 </thead>
                                 <tbody>
-                                    <?php foreach ($recentExpenses as $ex): ?>
-                                        <tr>
-                                            <td class="text-nowrap"><?= sanitizeInput((string) ($ex['date'] ?? '')) ?></td>
-                                            <td><?= sanitizeInput((string) ($ex['title'] ?? '')) ?></td>
-                                            <td><?= sanitizeInput($nameById[(string) ($ex['assignee_id'] ?? '')] ?? '') ?></td>
-                                            <td class="text-end text-nowrap">−<?= htmlspecialchars(number_format((float) ($ex['value'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
-                                        </tr>
-                                    <?php endforeach; ?>
+                                    <?php if ($bankingMode): ?>
+                                        <?php foreach ($recentBank as $row): ?>
+                                            <?php
+                                            $pid = (string) ($row['person_id'] ?? '');
+                                            $rawAmt = (float) ($row['amount'] ?? 0);
+                                            $type = (string) ($row['type'] ?? '');
+                                            $amtSign = in_array($type, ['manual_debit', 'charity_outflow'], true) ? '−' : '+';
+                                            ?>
+                                            <tr>
+                                                <td class="text-nowrap"><?= sanitizeInput((string) ($row['created_at'] ?? '')) ?></td>
+                                                <td><?= sanitizeInput($nameById[$pid] ?? '') ?></td>
+                                                <td><?= sanitizeInput($type) ?></td>
+                                                <td><?= sanitizeInput((string) ($row['category'] ?? '')) ?></td>
+                                                <td><?= sanitizeInput((string) ($row['note'] ?? '')) ?></td>
+                                                <td class="text-end text-nowrap"><?= $amtSign ?><?= htmlspecialchars(number_format($rawAmt, 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                                <?php if ($canRecordExpense): ?>
+                                                    <td class="text-end">
+                                                        <?php if (empty($row['reversed_by_transaction_id']) && ($row['type'] ?? '') !== 'reversal'): ?>
+                                                            <button type="button" class="btn btn-sm btn-outline-danger btn-bank-reverse" data-id="<?= htmlspecialchars((string) ($row['id'] ?? ''), ENT_QUOTES, 'UTF-8') ?>">Reverse</button>
+                                                        <?php endif; ?>
+                                                    </td>
+                                                <?php endif; ?>
+                                            </tr>
+                                        <?php endforeach; ?>
+                                    <?php else: ?>
+                                        <?php foreach ($recentExpenses as $ex): ?>
+                                            <tr>
+                                                <td class="text-nowrap"><?= sanitizeInput((string) ($ex['date'] ?? '')) ?></td>
+                                                <td><?= sanitizeInput((string) ($ex['title'] ?? '')) ?></td>
+                                                <td><?= sanitizeInput($nameById[(string) ($ex['assignee_id'] ?? '')] ?? '') ?></td>
+                                                <td class="text-end text-nowrap">−<?= htmlspecialchars(number_format((float) ($ex['value'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?> <?= htmlspecialchars($sym, ENT_QUOTES, 'UTF-8') ?></td>
+                                            </tr>
+                                        <?php endforeach; ?>
+                                    <?php endif; ?>
                                 </tbody>
                             </table>
                         </div>
                     <?php endif; ?>
                 </div>
             </div>
+            <?php if ($bankingMode): ?>
+                <div class="card mt-4">
+                    <div class="card-header">Monthly statements</div>
+                    <div class="card-body">
+                        <p class="small text-muted mb-2">Download your monthly statement as JSON or CSV.</p>
+                        <div class="d-flex flex-wrap gap-2">
+                            <a class="btn btn-outline-secondary btn-sm" href="<?= htmlspecialchars($familyHubApiBase, ENT_QUOTES, 'UTF-8') ?>/bank_statement.php?month=<?= htmlspecialchars($currentMonth, ENT_QUOTES, 'UTF-8') ?>&format=json">Current month JSON</a>
+                            <a class="btn btn-outline-secondary btn-sm" href="<?= htmlspecialchars($familyHubApiBase, ENT_QUOTES, 'UTF-8') ?>/bank_statement.php?month=<?= htmlspecialchars($currentMonth, ENT_QUOTES, 'UTF-8') ?>&format=csv">Current month CSV</a>
+                        </div>
+                    </div>
+                </div>
+            <?php endif; ?>
         </div>
     </div>
 </div>

tabs/settings.php

@@ -164,6 +164,53 @@ $permanenceOptions = [
                            value="<?= (int) ($familySettings['week_starts_on'] ?? 0) ?>"
                            <?= !$canManage ? 'disabled' : '' ?>>
                 </div>
+                <div class="col-12"><hr class="my-2"></div>
+                <div class="col-12">
+                    <h3 class="h6 mb-2">Banking system (optional)</h3>
+                </div>
+                <div class="col-md-4 d-flex align-items-end">
+                    <div class="form-check mb-2">
+                        <input class="form-check-input" type="checkbox" id="banking_enabled" name="banking_enabled" value="1"
+                            <?= !empty($familySettings['banking_enabled']) ? 'checked' : '' ?>
+                            <?= !$canManage ? 'disabled' : '' ?>>
+                        <label class="form-check-label" for="banking_enabled">Enable checking/savings/charity accounts</label>
+                    </div>
+                </div>
+                <div class="col-md-4 d-flex align-items-end">
+                    <div class="form-check mb-2">
+                        <input class="form-check-input" type="checkbox" id="banking_auto_split_enabled" name="banking_auto_split_enabled" value="1"
+                            <?= !empty($familySettings['banking_auto_split_enabled']) ? 'checked' : '' ?>
+                            <?= !$canManage ? 'disabled' : '' ?>>
+                        <label class="form-check-label" for="banking_auto_split_enabled">Auto split all checking income</label>
+                    </div>
+                </div>
+                <div class="col-md-4">
+                    <label class="form-label" for="banking_roundup_destination">Round-up rule</label>
+                    <select class="form-select" id="banking_roundup_destination" name="banking_roundup_destination" <?= !$canManage ? 'disabled' : '' ?>>
+                        <?php $roundupDest = (string) ($familySettings['banking_roundup_destination'] ?? 'off'); ?>
+                        <option value="off" <?= $roundupDest === 'off' ? 'selected' : '' ?>>Off</option>
+                        <option value="savings" <?= $roundupDest === 'savings' ? 'selected' : '' ?>>Nearest whole to savings</option>
+                        <option value="charity" <?= $roundupDest === 'charity' ? 'selected' : '' ?>>Nearest whole to charity</option>
+                    </select>
+                </div>
+                <div class="col-md-4">
+                    <label class="form-label" for="banking_auto_split_savings_pct">Auto split to savings (%)</label>
+                    <input type="number" step="0.01" min="0" max="100" class="form-control" id="banking_auto_split_savings_pct" name="banking_auto_split_savings_pct"
+                           value="<?= htmlspecialchars(number_format((float) ($familySettings['banking_auto_split_savings_pct'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?>"
+                           <?= !$canManage ? 'disabled' : '' ?>>
+                </div>
+                <div class="col-md-4">
+                    <label class="form-label" for="banking_auto_split_charity_pct">Auto split to charity (%)</label>
+                    <input type="number" step="0.01" min="0" max="100" class="form-control" id="banking_auto_split_charity_pct" name="banking_auto_split_charity_pct"
+                           value="<?= htmlspecialchars(number_format((float) ($familySettings['banking_auto_split_charity_pct'] ?? 0), 2, '.', ''), ENT_QUOTES, 'UTF-8') ?>"
+                           <?= !$canManage ? 'disabled' : '' ?>>
+                </div>
+                <div class="col-md-4">
+                    <label class="form-label" for="banking_savings_monthly_interest_rate">Savings monthly interest rate (%)</label>
+                    <input type="number" step="0.000001" min="0" class="form-control" id="banking_savings_monthly_interest_rate" name="banking_savings_monthly_interest_rate"
+                           value="<?= htmlspecialchars((string) ($familySettings['banking_savings_monthly_interest_rate'] ?? 0), ENT_QUOTES, 'UTF-8') ?>"
+                           <?= !$canManage ? 'disabled' : '' ?>>
+                </div>
                 <div class="col-md-6">
                     <label class="form-label" for="nfc_base_url">NFC base URL override (optional)</label>
                     <input class="form-control" id="nfc_base_url" name="nfc_base_url" placeholder="https://your-domain/familyHub"