Add household privacy mode

src/households/dto/update-household-privacy.dto.ts

@@ -0,0 +1,5 @@
+export class UpdateHouseholdPrivacyDto {
+  enabled!: boolean;
+  hideIndividualBalances?: boolean;
+  hideIndividualTransactions?: boolean;
+}

src/households/households.controller.ts

@@ -8,6 +8,7 @@ import { CreateHouseholdInviteDto } from "./dto/create-household-invite.dto";
 import { FairSplitCalculatorDto } from "./dto/fair-split-calculator.dto";
 import { UpdateHouseholdGoalDto } from "./dto/update-household-goal.dto";
 import { UpdateHouseholdMemberDto } from "./dto/update-household-member.dto";
+import { UpdateHouseholdPrivacyDto } from "./dto/update-household-privacy.dto";
 import { HouseholdsService } from "./households.service";
 
 @Controller("households")
@@ -34,6 +35,15 @@ export class HouseholdsController {
     return ok(await this.householdsService.getForUser(userId, id));
   }
 
+  @Patch(":id/privacy")
+  async updatePrivacy(
+    @CurrentUser() userId: string,
+    @Param("id") id: string,
+    @Body() payload: UpdateHouseholdPrivacyDto,
+  ) {
+    return ok(await this.householdsService.updatePrivacyMode(userId, id, payload));
+  }
+
   @Get(":id/members")
   async members(@CurrentUser() userId: string, @Param("id") id: string) {
     return ok(await this.householdsService.listMembers(userId, id));

src/households/households.service.ts

@@ -10,6 +10,13 @@ import { CreateHouseholdInviteDto } from "./dto/create-household-invite.dto";
 import { FairSplitCalculatorDto, FairSplitMode } from "./dto/fair-split-calculator.dto";
 import { UpdateHouseholdGoalDto } from "./dto/update-household-goal.dto";
 import { UpdateHouseholdMemberDto } from "./dto/update-household-member.dto";
+import { UpdateHouseholdPrivacyDto } from "./dto/update-household-privacy.dto";
+
+type HouseholdPrivacyMode = {
+  enabled: boolean;
+  hideIndividualBalances: boolean;
+  hideIndividualTransactions: boolean;
+};
 
 @Injectable()
 export class HouseholdsService {
@@ -117,6 +124,7 @@ export class HouseholdsService {
       },
     });
     if (!household) throw new BadRequestException("Household not found.");
+    const privacyMode = this.getPrivacyMode(household.metadata);
 
     const accounts = await this.prisma.account.findMany({
       where: { householdId, isActive: true },
@@ -182,17 +190,20 @@ export class HouseholdsService {
       }),
     ]);
 
-    const activeTransactions = cashflowRows.filter((row: any) => !row.derived?.isHidden);
-    const balanceByOwnership = this.buildOwnershipBreakdown(accounts);
+    const visibleAccounts = this.applyAccountPrivacy(accounts, privacyMode);
+    const visibleCashflowRows = this.applyTransactionPrivacy(cashflowRows, privacyMode);
+    const visibleRecentRows = this.applyTransactionPrivacy(recentRows, privacyMode);
+    const activeTransactions = visibleCashflowRows.filter((row: any) => !row.derived?.isHidden);
+    const balanceByOwnership = this.buildOwnershipBreakdown(visibleAccounts);
     const cashflow = this.buildCashflow(activeTransactions, cashflowStart, now);
     const monthlyIncome = cashflow.currentMonth.income;
     const monthlyExpenses = cashflow.currentMonth.expenses;
     const monthlyNet = cashflow.currentMonth.net;
-    const totalBalance = this.roundCurrency(accounts.reduce((sum: number, account: any) => sum + this.toNumber(account.currentBalance), 0));
-    const availableBalance = this.roundCurrency(accounts.reduce((sum: number, account: any) => sum + this.toNumber(account.availableBalance), 0));
+    const totalBalance = this.roundCurrency(visibleAccounts.reduce((sum: number, account: any) => sum + this.toNumber(account.currentBalance), 0));
+    const availableBalance = this.roundCurrency(visibleAccounts.reduce((sum: number, account: any) => sum + this.toNumber(account.availableBalance), 0));
     const healthScore = this.buildCouplesHealthScore({
       memberCount: household.members.length,
-      accounts,
+      accounts: visibleAccounts,
       activeTransactions,
       goals: goalRows,
       totalBalance,
@@ -226,9 +237,10 @@ export class HouseholdsService {
         monthlyExpenses,
         monthlyNet,
       },
+      privacyMode,
       healthScore,
       ownershipBreakdown: balanceByOwnership,
-      accounts: accounts.map((account: any, index: number) => ({
+      accounts: visibleAccounts.map((account: any, index: number) => ({
         displayId: `household_account_${index + 1}`,
         institutionName: account.institutionName,
         accountType: account.accountType,
@@ -242,7 +254,7 @@ export class HouseholdsService {
         syncStatus: account.syncStatus,
       })),
       cashflow: cashflow.months,
-      recentTransactions: recentRows
+      recentTransactions: visibleRecentRows
         .filter((row: any) => !row.derived?.isHidden)
         .slice(0, 10)
         .map((row: any) => ({
@@ -263,6 +275,44 @@ export class HouseholdsService {
     };
   }
 
+  async updatePrivacyMode(userId: string, householdId: string, payload: UpdateHouseholdPrivacyDto) {
+    await this.requireManager(userId, householdId);
+    const household = await this.prisma.household.findFirst({ where: { id: householdId } });
+    if (!household) throw new BadRequestException("Household not found.");
+    const existingMetadata = this.asRecord(household.metadata);
+    const privacyMode: HouseholdPrivacyMode = {
+      enabled: Boolean(payload.enabled),
+      hideIndividualBalances: payload.hideIndividualBalances ?? true,
+      hideIndividualTransactions: payload.hideIndividualTransactions ?? true,
+    };
+
+    const updated = await this.prisma.household.update({
+      where: { id: householdId },
+      data: {
+        metadata: {
+          ...existingMetadata,
+          privacyMode,
+        } as Prisma.InputJsonValue,
+      },
+    });
+
+    await this.prisma.auditLog.create({
+      data: {
+        userId,
+        action: "household.privacy.update",
+        metadata: {
+          householdId,
+          privacyMode,
+        },
+      },
+    });
+
+    return {
+      householdId: updated.id,
+      privacyMode,
+    };
+  }
+
   async listMembers(userId: string, householdId: string) {
     await this.requireActiveMember(userId, householdId);
     return this.prisma.householdMember.findMany({
@@ -653,6 +703,31 @@ export class HouseholdsService {
     return crypto.createHash("sha256").update(token).digest("hex");
   }
 
+  private getPrivacyMode(metadata: unknown): HouseholdPrivacyMode {
+    const value = this.asRecord(metadata).privacyMode;
+    const mode = this.asRecord(value);
+    return {
+      enabled: Boolean(mode.enabled),
+      hideIndividualBalances: mode.hideIndividualBalances !== false,
+      hideIndividualTransactions: mode.hideIndividualTransactions !== false,
+    };
+  }
+
+  private applyAccountPrivacy(accounts: any[], privacyMode: HouseholdPrivacyMode) {
+    if (!privacyMode.enabled || !privacyMode.hideIndividualBalances) return accounts;
+    return accounts.filter((account) => account.ownershipType === "joint");
+  }
+
+  private applyTransactionPrivacy(rows: any[], privacyMode: HouseholdPrivacyMode) {
+    if (!privacyMode.enabled || !privacyMode.hideIndividualTransactions) return rows;
+    return rows.filter((row) => row.account?.ownershipType === "joint");
+  }
+
+  private asRecord(value: unknown): Record<string, any> {
+    if (!value || typeof value !== "object" || Array.isArray(value)) return {};
+    return value as Record<string, any>;
+  }
+
   private normalizeFairSplitMode(mode?: string): FairSplitMode {
     if (!mode) return "income_weighted";
     if (["equal", "income_weighted", "custom"].includes(mode)) return mode as FairSplitMode;

test/households.service.spec.ts

@@ -113,6 +113,41 @@ describe("HouseholdsService", () => {
     expect(prisma.household.findFirst).not.toHaveBeenCalled();
   });
 
+  it("updates household privacy mode for managers", async () => {
+    const { prisma, service } = createService();
+    prisma.householdMember.findFirst.mockResolvedValue({ id: "owner_member", userId: "user_1", role: "owner", status: "active" });
+    prisma.household.findFirst.mockResolvedValue({ id: "household_1", metadata: { type: "couple" } });
+    prisma.household.update.mockResolvedValue({ id: "household_1" });
+    prisma.auditLog.create.mockResolvedValue({});
+
+    const result = await service.updatePrivacyMode("user_1", "household_1", {
+      enabled: true,
+      hideIndividualBalances: true,
+      hideIndividualTransactions: true,
+    });
+
+    expect(result.privacyMode.enabled).toBe(true);
+    expect(prisma.household.update).toHaveBeenCalledWith({
+      where: { id: "household_1" },
+      data: {
+        metadata: {
+          type: "couple",
+          privacyMode: {
+            enabled: true,
+            hideIndividualBalances: true,
+            hideIndividualTransactions: true,
+          },
+        },
+      },
+    });
+    expect(prisma.auditLog.create).toHaveBeenCalledWith({
+      data: expect.objectContaining({
+        action: "household.privacy.update",
+        metadata: expect.objectContaining({ householdId: "household_1" }),
+      }),
+    });
+  });
+
   it("builds a shared household financial dashboard for active members", async () => {
     const { prisma, service } = createService();
     prisma.householdMember.findFirst.mockResolvedValue({ id: "member_1", userId: "user_1", role: "owner", status: "active" });

test/utils/mock-prisma.ts

@@ -8,7 +8,8 @@ export const createPrismaMock = () => ({
   household: {
     create: jest.fn(),
     findFirst: jest.fn(),
-    findMany: jest.fn()
+    findMany: jest.fn(),
+    update: jest.fn()
   },
   householdMember: {
     count: jest.fn(),