All provided values must be non-negative.
'; } else { // Update credit_card_debts $stmt = $conn->prepare("UPDATE credit_card_debts SET amount = ? WHERE user_id = ? AND card_name = ?"); if (isset($_POST['natwest']) && is_numeric($_POST['natwest'])) { $stmt->bind_param("dis", $natwest, $user_id, $card_name); $card_name = 'NatWest'; $stmt->execute(); } if (isset($_POST['tesco']) && is_numeric($_POST['tesco'])) { $stmt->bind_param("dis", $tesco, $user_id, $card_name); $card_name = 'Tesco'; $stmt->execute(); } if (isset($_POST['vanquis']) && is_numeric($_POST['vanquis'])) { $stmt->bind_param("dis", $vanquis, $user_id, $card_name); $card_name = 'Vanquis'; $stmt->execute(); } $stmt->close(); // Update premium_bonds (savings) if changed if (isset($_POST['premium_bonds']) && is_numeric($_POST['premium_bonds'])) { $stmt = $conn->prepare("UPDATE financial_data SET savings = ? WHERE user_id = ?"); $stmt->bind_param("di", $premium_bonds, $user_id); $stmt->execute(); $stmt->close(); } // Update current_account if changed if (isset($_POST['current_account']) && is_numeric($_POST['current_account'])) { $stmt = $conn->prepare("UPDATE financial_data SET current_account = ? WHERE user_id = ?"); $stmt->bind_param("di", $current_account_input, $user_id); $stmt->execute(); $stmt->close(); } $update_message = 'Financial data updated successfully!
'; // Refresh credit card debts after update $credit_card_debts = []; $credit_card_balances = ['NatWest' => 0, 'Tesco' => 0, 'Vanquis' => 0]; $result = $conn->query("SELECT card_name, amount FROM credit_card_debts WHERE user_id = $user_id"); $raw_debts = []; if ($result) { while ($row = $result->fetch_assoc()) { $credit_card_debts[] = $row; $raw_debts[] = $row; $card_name = $row['card_name']; foreach (['NatWest', 'Tesco', 'Vanquis'] as $valid_name) { if (strcasecmp($card_name, $valid_name) === 0) { $credit_card_balances[$valid_name] = $row['amount']; break; } } } } else { error_log("Failed to refresh credit card debts: " . $conn->error); } error_log("Raw Credit Card Debts (Post-Update): " . print_r($raw_debts, true)); error_log("Credit Card Balances (Post-Update): " . print_r($credit_card_balances, true)); // Refresh financial data $financial_data = $conn->query("SELECT savings, eth_holdings, external_savings, current_account FROM financial_data WHERE user_id = $user_id")->fetch_assoc(); $savings = $financial_data['savings'] ?? 0; $current_account = $financial_data['current_account'] ?? 0; } } // Fetch money owed $money_owed = []; $result = $conn->query("SELECT amount FROM money_owed WHERE user_id = $user_id"); while ($row = $result->fetch_assoc()) { $money_owed[] = $row; } // Fetch payment plans $payment_plans = []; $result = $conn->query("SELECT description, total_amount, months FROM payment_plans WHERE user_id = $user_id"); while ($row = $result->fetch_assoc()) { $payment_plans[] = $row; } // Fetch Trading 212 portfolio with retry logic function getPortfolio($retries = 3, $delay = 2) { $url = BASE_URL . '/api/v0/equity/portfolio'; for ($attempt = 1; $attempt <= $retries; $attempt++) { $ch = curl_init($url); curl_setopt($ch, CURLOPT_RETURNTRANSFER, true); curl_setopt($ch, CURLOPT_HTTPHEADER, [ 'Authorization: ' . TRADING212_API_KEY ]); curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, true); curl_setopt($ch, CURLOPT_SSL_VERIFYHOST, 2); curl_setopt($ch, CURLOPT_VERBOSE, true); curl_setopt($ch, CURLOPT_HEADER, true); $verbose = fopen('php://temp', 'w+'); curl_setopt($ch, CURLOPT_STDERR, $verbose); $response = curl_exec($ch); $http_code = curl_getinfo($ch, CURLINFO_HTTP_CODE); $header_size = curl_getinfo($ch, CURLINFO_HEADER_SIZE); $error = curl_error($ch); $headers = substr($response, 0, $header_size); $body = substr($response, $header_size); rewind($verbose); $verbose_log = stream_get_contents($verbose); fclose($verbose); error_log("Trading 212 Portfolio cURL verbose (Attempt $attempt): $verbose_log"); error_log("Trading 212 Portfolio Request Headers: Authorization: " . TRADING212_API_KEY); error_log("Trading 212 Portfolio Response Headers: $headers"); error_log("Trading 212 Portfolio Response Body: $body"); curl_close($ch); if ($http_code === 429) { error_log("Trading 212 Portfolio API rate limit exceeded (HTTP 429). Retrying after $delay seconds..."); if ($attempt < $retries) { sleep($delay); continue; } error_log("Trading 212 Portfolio API error: HTTP $http_code, Error: $error"); return ['open' => ['items' => []], 'error' => "API Error: HTTP $http_code, $error"]; } if ($http_code !== 200 || $error) { error_log("Trading 212 Portfolio API error: HTTP $http_code, Error: $error"); return ['open' => ['items' => []], 'error' => "API Error: HTTP $http_code, $error"]; } $data = json_decode($body, true); if (json_last_error() !== JSON_ERROR_NONE) { error_log("Trading 212 Portfolio JSON decode error: " . json_last_error_msg()); return ['open' => ['items' => []], 'error' => 'Invalid API response']; } error_log("Trading 212 Portfolio Parsed Data Structure: " . print_r($data, true)); error_log("Trading 212 Portfolio Top-Level Keys: " . implode(", ", array_keys($data))); return $data; } } // Fetch ETH price function getEthPrice() { $url = 'https://api.coingecko.com/api/v3/simple/price?ids=ethereum&vs_currencies=gbp'; $ch = curl_init($url); curl_setopt($ch, CURLOPT_RETURNTRANSFER, true); curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, true); $response = curl_exec($ch); $http_code = curl_getinfo($ch, CURLINFO_HTTP_CODE); $error = curl_error($ch); curl_close($ch); if ($http_code !== 200 || $error) { error_log("CoinGecko API error: HTTP $http_code, Error: $error"); return 0; } $data = json_decode($response, true); return $data['ethereum']['gbp'] ?? 0; } // Fetch USD to GBP exchange rate function getUsdToGbpRate() { $url = 'https://api.exchangerate-api.com/v4/latest/USD'; $ch = curl_init($url); curl_setopt($ch, CURLOPT_RETURNTRANSFER, true); curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, true); $response = curl_exec($ch); $http_code = curl_getinfo($ch, CURLINFO_HTTP_CODE); $error = curl_error($ch); curl_close($ch); if ($http_code !== 200 || $error) { error_log("ExchangeRate API error: HTTP $http_code, Error: $error"); return 0.751; } $data = json_decode($response, true); return $data['rates']['GBP'] ?? 0.751; } // Fetch API data $portfolio_data = getPortfolio(); $portfolio = []; if (isset($portfolio_data['open']['items'])) { $portfolio = array_merge($portfolio, $portfolio_data['open']['items']); } if (isset($portfolio_data['open']['etfs'])) { $portfolio = array_merge($portfolio, $portfolio_data['open']['etfs']); } if (isset($portfolio_data['etfs'])) { $portfolio = array_merge($portfolio, $portfolio_data['etfs']); } if (isset($portfolio_data['holdings'])) { $portfolio = array_merge($portfolio, $portfolio_data['holdings']); } if (is_array($portfolio_data) && !isset($portfolio_data['error']) && empty($portfolio)) { $portfolio = $portfolio_data; } if (empty($portfolio)) { error_log("No portfolio items found in portfolio API response"); } $portfolio_error = $portfolio_data['error'] ?? ''; $eth_price = getEthPrice(); $usd_to_gbp = getUsdToGbpRate(); // Calculate portfolio value and prepare top 5 positions $portfolio_value = 0; $debug_values = []; $positions = []; foreach ($portfolio as $item) { $raw_price = $item['currentPrice'] ?? $item['price'] ?? 0; $ticker = $item['ticker'] ?? $item['code'] ?? 'Unknown'; $quantity = $item['quantity'] ?? 0; $currency = isset($item['currency']) ? $item['currency'] : (stripos($ticker, 'l_EQ') !== false ? 'GBP' : 'USD'); $asset_type = $item['assetType'] ?? $item['instrumentType'] ?? 'Unknown'; if (in_array($ticker, ['VUAA', 'VUAG', 'VUSA', 'VUAGl_EQ', 'VUSCd_EQ'])) { $currency = 'GBP'; $price_in_pounds = $raw_price; } elseif ($ticker === 'VUAAl_EQ') { $currency = 'GBP'; $price_in_pounds = $raw_price; $quantity = 1.586; } elseif ($currency === 'GBP' && stripos($ticker, 'l_EQ') !== false) { $price_in_pounds = $raw_price / 100; } elseif ($currency === 'USD') { $price_in_pounds = $raw_price * $usd_to_gbp; } else { $price_in_pounds = $raw_price; error_log("Unknown currency for portfolio item {$ticker}: $currency"); } $value = $quantity * $price_in_pounds; $portfolio_value += $value; $positions[] = [ 'ticker' => $ticker, 'quantity' => $quantity, 'price_in_pounds' => $price_in_pounds, 'value' => $value, 'currency' => $currency, 'asset_type' => $asset_type, 'source' => 'portfolio' ]; $debug_values[] = "Portfolio: {$ticker}: quantity=$quantity, currentPrice=$raw_price, currency=$currency, asset_type=$asset_type, price_in_pounds=$price_in_pounds, value=$value"; } // Add Trading 212 cash balances if present (assume GBP) $cash_sources = [ ['data' => $portfolio_data, 'name' => 'Portfolio'] ]; foreach ($cash_sources as $source) { $data = $source['data']; $name = $source['name']; if (isset($data['cash'])) { $portfolio_value += $data['cash']; $debug_values[] = "$name Cash balance: {$data['cash']} (GBP)"; } if (isset($data['freeCash'])) { $portfolio_value += $data['freeCash']; $debug_values[] = "$name Free cash balance: {$data['freeCash']} (GBP)"; } if (isset($data['accountBalance'])) { $portfolio_value += $data['accountBalance']; $debug_values[] = "$name Account balance: {$data['accountBalance']} (GBP)"; } if (isset($data['uninvestedCash'])) { $portfolio_value += $data['uninvestedCash']; $debug_values[] = "$name Uninvested cash balance: {$data['uninvestedCash']} (GBP)"; } if (isset($data['totalAccountValue'])) { $portfolio_value += $data['totalAccountValue']; $debug_values[] = "$name Total account value: {$data['totalAccountValue']} (GBP)"; } } // Sort positions by value in descending order and take top 5 usort($positions, function($a, $b) { return $b['value'] <=> $a['value']; }); $top_positions = array_slice($positions, 0, 5); error_log("Portfolio Value Breakdown: " . implode("; ", $debug_values)); error_log("Total Portfolio Value Calculated: $portfolio_value"); error_log("All Positions: " . print_r($positions, true)); error_log("Top 5 Positions: " . print_r($top_positions, true)); error_log("USD to GBP Exchange Rate: $usd_to_gbp"); error_log("Full Portfolio Data: " . print_r($portfolio_data, true)); $eth_value = $eth_price * $eth_holdings; $owed_total = array_sum(array_map(function($item) { return $item['amount']; }, $money_owed)); $credit_card_debts_total = array_sum(array_map(function($item) { return $item['amount']; }, $credit_card_debts)); $gross_wealth = $portfolio_value + $eth_value + $savings + $external_cash_savings + $current_account + $owed_total; $total_wealth = $gross_wealth - $credit_card_debts_total; $conn->close(); ?>£
Total Wealth (Net)
Gross Wealth: £