Predictive Subscription Detection & "Cashflow Runway" Calculator #444
Description
Type: Feature | Difficulty: Level 3 | Tags: Backend, Algorithms, Forecasting
Description: Move from manual recurring entries to an Intelligence Engine that automatically detects hidden subscriptions and calculates a "Runway" (how many days of liquidity the user has left based on upcoming predicted bills).
Core Requirements:
Backend Logic: Implement a DiscoveryService that scans past transactions to identify periodic patterns (same merchant/amount within a 28-32 day window) even if not marked as recurring.
Runway Algorithm: Calculate the user’s "Burn Rate" and "Liquidity Runway" by subtracting these predicted bills from the current balance across all accounts.
Predictive Cleanup: Logic to merge detected subscriptions with the existing RecurringExpense model.
Frontend: A "Financial Runway" progress bar and "Detected Subscriptions" confirmation list.
Files to be changed: services/discoveryService.js,
services/forecastingService.js
routes/analytics.js
models/RecurringExpense.js
, public/analytics-dashboard.js,
public/index.html