feat: 新增首页，并集成财务健康评分功能、相关组件和计算逻辑

src/components/home/HealthScoreModal/HealthScoreModal.tsx

@@ -6,7 +6,6 @@
 import React, { useEffect, useState } from 'react';
 import { Icon } from '@iconify/react';
 import { formatCurrency } from '../../../utils/format';
-import { getFinancialAdvice } from '../../../services/aiService';
 import './HealthScoreModal.css';
 
 interface HealthScoreModalProps {
@@ -24,6 +23,12 @@ interface HealthScoreModalProps {
         activity: number;
     };
     streakDays: number;
+    metrics: {
+        debtRatio: number;
+        survivalMonths: number;
+        budgetHealth: number;
+    };
+    tips: string[];
 }
 
 export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
@@ -32,53 +37,34 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
     score,
     totalAssets,
     totalLiabilities,
-    todaySpend,
+    // todaySpend, // Unused
-    yesterdaySpend,
+    // yesterdaySpend, // Unused
     breakdown,
     streakDays,
+    metrics,
+    tips
 }) => {
     const [showRules, setShowRules] = useState(false);
     const [animate, setAnimate] = useState(false);
-    const [aiAdvice, setAiAdvice] = useState<string>('');
+    // AI Advice state can be removed if strictly using tips, or kept as fallback
-    const [loadingAdvice, setLoadingAdvice] = useState(false);
 
     // --- Logic & Calculations ---
 
     const debtRatio = totalAssets > 0 ? (totalLiabilities / totalAssets) * 100 : 0;
-    const spendDiff = todaySpend - yesterdaySpend;
+    // const spendDiff = todaySpend - yesterdaySpend; // Unused now
 
     useEffect(() => {
-        let isMounted = true;
         if (isOpen) {
             setTimeout(() => setAnimate(true), 50);
-
-            // Fetch AI Advice if not already fetched
-            if (!aiAdvice) {
-                setLoadingAdvice(true);
-                getFinancialAdvice({
-                    score,
-                    totalAssets,
-                    totalLiabilities,
-                    todaySpend,
-                    yesterdaySpend
-                })
-                    .then(advice => {
-                        if (isMounted) setAiAdvice(advice);
-                    })
-                    .catch(err => {
-                        console.error("Failed to load AI advice", err);
-                    })
-                    .finally(() => {
-                        if (isMounted) setLoadingAdvice(false);
-                    });
-            }
         } else {
             setAnimate(false);
             setShowRules(false); // Reset view on close
         }
-        return () => { isMounted = false; };
     }, [isOpen]);
 
+    const aiAdvice = ''; // Fallback placeholder if needed
+
+
     if (!isOpen) return null;
 
     // Status Levels
@@ -135,8 +121,8 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
                             <div className="rule-item">
                                 <div className="rule-score rule-score--blue">{breakdown.solvency}/40</div>
                                 <div className="rule-desc-group">
-                                    <h4>偿债能力 (40分)</h4>
+                                    <h4>财务结构 (40分)</h4>
-                                    <p>核心指标。计算公式：1 - (总负债 / 总资产)。负债率越低，得分越高。<br />{debtRatio > 50 ? '当前负债率过高，严重影响得分。' : '当前资产结构健康。'}</p>
+                                    <p>由“负债率”与“应急流动性”共同决定。不仅关注负债水平，更看重现金流能否支撑至少3-6个月的生活开支。<br />这是抵御风险的基石。</p>
                                 </div>
                             </div>
 
@@ -227,17 +213,20 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
                                     </span>
                                 </div>
 
-                                {/* Spending Card */}
+                                {/* Survival Time Card (Replacing Spend) */}
                                 <div className="health-metric-card">
-                                    <div className="metric-icon-wrapper" style={{ background: 'rgba(245, 158, 11, 0.15)' }}>
+                                    <div className="metric-icon-wrapper" style={{ background: 'rgba(16, 185, 129, 0.15)' }}>
-                                        <Icon icon="solar:wallet-money-bold-duotone" width="20" color="#f59e0b" />
+                                        <Icon icon="solar:shield-check-bold-duotone" width="20" color="#10b981" />
                                     </div>
-                                    <span className="metric-title">今日消费</span>
+                                    <span className="metric-title">生存期</span>
                                     <div className="metric-value-group">
-                                        <span className="metric-number">{formatCurrency(todaySpend)}</span>
+                                        <span className="metric-number">
+                                            {metrics?.survivalMonths > 99 ? '>99' : (metrics?.survivalMonths || 0).toFixed(1)}
+                                        </span>
+                                        <span style={{ fontSize: '1rem', fontWeight: 600, marginLeft: '2px' }}>个月</span>
                                     </div>
-                                    <span className="metric-subtitle" style={{ color: spendDiff > 0 ? '#ef4444' : '#10b981' }}>
+                                    <span className="metric-subtitle" style={{ color: (metrics?.survivalMonths || 0) < 3 ? '#ef4444' : '#10b981' }}>
-                                        比昨日 {spendDiff > 0 ? '多' : '少'} {formatCurrency(Math.abs(spendDiff))}
+                                        {(metrics?.survivalMonths || 0) >= 6 ? '资金充裕' : (metrics?.survivalMonths || 0) >= 3 ? '健康' : '急需储备'}
                                     </span>
                                 </div>
                             </div>
@@ -247,15 +236,16 @@ export const HealthScoreModal: React.FC<HealthScoreModalProps> = ({
                                 <div className="suggestion-header">
                                     <Icon icon="solar:lightbulb-bolt-bold-duotone" width="20" />
                                     <span>AI 智能建议</span>
-                                    {loadingAdvice && <span style={{ fontSize: '0.8rem', opacity: 0.7, marginLeft: 'auto' }}>思考中...</span>}
                                 </div>
-                                <p className="suggestion-content">
+                                <div className="suggestion-content">
-                                    {loadingAdvice ? (
+                                    {tips && tips.length > 0 ? (
-                                        <span className="loading-dots">正在生成个性化理财建议...</span>
+                                        tips.map((tip, i) => (
+                                            <div key={i} style={{ marginBottom: '8px', fontSize: '0.9rem' }}>{tip}</div>
+                                        ))
                                     ) : (
-                                        aiAdvice || getStaticSuggestion()
+                                        <p>{aiAdvice || getStaticSuggestion()}</p>
                                     )}
-                                </p>
+                                </div>
                             </div>
                         </>
                     )}

src/pages/Home/Home.tsx

@@ -257,7 +257,8 @@ function Home() {
       monthlyBudget: monthlyBudgetTotal,
       monthlySpent: monthlyBudgetSpentTotal,
       streakDays: streakInfo?.currentStreak || 0,
-      hasRecentActivity: todaySpend > 0 || yesterdaySpend > 0
+      hasRecentActivity: todaySpend > 0 || yesterdaySpend > 0,
+      accounts: accounts || []
     });
   };
   const healthStatus = calculateHealthScore();
@@ -430,6 +431,8 @@ function Home() {
         yesterdaySpend={yesterdaySpend}
         breakdown={healthStatus.breakdown}
         streakDays={streakInfo?.currentStreak || 0}
+        metrics={healthStatus.metrics}
+        tips={healthStatus.tips}
       />
       <button className="fab-voice-btn" onClick={handleVoiceBookkeeping} title="语音记账">
         <Icon icon="solar:microphone-bold-duotone" width="28" />

src/utils/healthScore.ts

@@ -8,6 +8,8 @@
  * 4. Recent Activity (10%): Engagement
  */
 
+import type { Account } from '../types';
+
 interface HealthScoreDetails {
     totalAssets: number;
     totalLiabilities: number;
@@ -15,6 +17,7 @@ interface HealthScoreDetails {
     monthlySpent: number;
     streakDays: number;
     hasRecentActivity: boolean; // Spent today or yesterday
+    accounts: Account[];
 }
 
 interface FinancialStatus {
@@ -28,6 +31,12 @@ interface FinancialStatus {
         habit: number;
         activity: number;
     };
+    metrics: {
+        debtRatio: number;
+        survivalMonths: number;
+        budgetHealth: number; // -1 (Over), 0 (On Track), 1 (Saving)
+    };
+    tips: string[];
 }
 
 export const calculateFinancialHealth = (data: HealthScoreDetails): FinancialStatus => {
@@ -36,52 +45,91 @@ export const calculateFinancialHealth = (data: HealthScoreDetails): FinancialSta
     let habitScore = 0;
     let activityScore = 0;
 
-    // 1. Solvency (Max 40)
+    // --- 1. SOLVENCY (Max 40) ---
+    // A. Debt Ratio (20 pts)
+    let debtScore = 0;
+    let debtRatio = 0;
     if (data.totalAssets > 0) {
-        const debtRatio = data.totalLiabilities / data.totalAssets;
+        debtRatio = data.totalLiabilities / data.totalAssets;
-        if (debtRatio === 0) solvencyScore = 40;
+        if (debtRatio === 0) debtScore = 20;
-        else if (debtRatio < 0.3) solvencyScore = 35; // < 30% debt
+        else if (debtRatio < 0.3) debtScore = 18;
-        else if (debtRatio < 0.5) solvencyScore = 25; // < 50% debt
+        else if (debtRatio < 0.5) debtScore = 12;
-        else if (debtRatio < 0.8) solvencyScore = 10; // < 80% debt
+        else if (debtRatio < 0.8) debtScore = 5;
-        else solvencyScore = 0; // High debt
+        else debtScore = 0;
     } else {
-        // No assets
+        debtScore = data.totalLiabilities === 0 ? 10 : 0;
-        solvencyScore = data.totalLiabilities === 0 ? 20 : 0; // Blank slate is better than debt only
     }
 
-    // 2. Budget Adherence (Max 30)
+    // B. Liquidity / Runway (20 pts)
+    // Liquid Assets: Cash, Debit Card, E-Wallet
+    const liquidAssets = data.accounts
+        .filter(a => ['cash', 'debit_card', 'e_wallet'].includes(a.type))
+        .reduce((sum, a) => sum + (a.balance > 0 ? a.balance : 0), 0);
+
+    let liquidityScore = 0;
+    // Estimate monthly burn: Use Budget if set, otherwise assume Spent is typical (use fallback min 2000 to avoid divide by zero)
+    const monthlyBurn = data.monthlyBudget > 0 ? data.monthlyBudget : Math.max(data.monthlySpent, 2000);
+    const monthsRunway = liquidAssets / monthlyBurn;
+
+    if (monthsRunway >= 6) liquidityScore = 20; // Excellent safety net
+    else if (monthsRunway >= 3) liquidityScore = 15; // Healthy
+    else if (monthsRunway >= 1) liquidityScore = 8; // Basic suvival
+    else liquidityScore = 0; // Living paycheck to paycheck
+
+    solvencyScore = Math.round(debtScore + liquidityScore);
+
+
+    // --- 2. BUDGET CONTROL (Max 30) ---
+    // A. Adherence (20 pts) - Tracking against time
     if (data.monthlyBudget > 0) {
         const today = new Date();
         const dayOfMonth = today.getDate();
         const daysInMonth = new Date(today.getFullYear(), today.getMonth() + 1, 0).getDate();
-        const progress = dayOfMonth / daysInMonth; // 0.1 to 1.0
+        const timeProgress = dayOfMonth / daysInMonth;
+        const budgetUsage = data.monthlySpent / data.monthlyBudget;
 
-        // Ideal usage matches time progress
+        // Allowed deviation: +/- 10% is fine.
-        // Example: Day 15/30 (50%), Spent 50% -> Good. Spent 80% -> Bad.
+        // Usage should be roughly equal to TimeProgress.
-        const usage = data.monthlySpent / data.monthlyBudget;
+        // If Usage << TimeProgress, it's SAVINGS (Bonus). 
+        // If Usage >> TimeProgress, it's DANGER (Penalty).
 
-        if (usage <= progress) budgetScore = 30; // Under spending curve
+        const diff = budgetUsage - timeProgress;
-        else if (usage <= progress * 1.2) budgetScore = 20; // Slightly over (+20%)
+
-        else if (usage <= progress * 1.5) budgetScore = 10; // Over (+50%)
+        if (diff <= 0) budgetScore += 20; // Spending less than time passed -> Great
-        else budgetScore = 0; // Severely over
+        else if (diff <= 0.1) budgetScore += 15; // Slightly over (+10% ahead of schedule)
+        else if (diff <= 0.2) budgetScore += 10; // Moderately over (+20%)
+        else if (diff <= 0.3) budgetScore += 5;
+        else budgetScore += 0;
+
+        // B. Savings Bonus (Max 10 pts)
+        // If usage is significantly lower than time progress (e.g. usage is 50% of time), reward saving behavior
+        if (budgetUsage < timeProgress * 0.8) budgetScore += 10;
+        else if (budgetUsage < timeProgress * 0.9) budgetScore += 5;
+
+        // Cap Budget score at 30
+        budgetScore = Math.min(budgetScore, 30);
+
+        // Hard fail: Over 100% budget is 0 points regardless
+        if (budgetUsage > 1.0) budgetScore = 0;
 
-        // Hard cap: If total over 100%, score 0 regardless of day
-        if (usage > 1) budgetScore = 0;
     } else {
-        budgetScore = 15; // Neutral if no budget set
+        // No Budget Set - Neutral Score
+        budgetScore = 15;
     }
 
-    // 3. Habit Consistency (Max 20)
+    // --- 3. HABIT CONSISTENCY (Max 20) ---
-    if (data.streakDays >= 30) habitScore = 20;
+    // Curved grading for streaks
+    if (data.streakDays >= 21) habitScore = 20; // 3 weeks -> Habit formed
     else if (data.streakDays >= 14) habitScore = 15;
     else if (data.streakDays >= 7) habitScore = 10;
     else if (data.streakDays >= 3) habitScore = 5;
     else habitScore = 0;
 
-    // 4. Activity (Max 10)
+    // --- 4. RECENT ACTIVITY (Max 10) ---
     if (data.hasRecentActivity) activityScore = 10;
 
-    const totalScore = Math.round(solvencyScore + budgetScore + habitScore + activityScore);
+    // --- TOTAL ---
+    const totalScore = Math.min(Math.round(solvencyScore + budgetScore + habitScore + activityScore), 100);
 
     // Determine Status
     let label = '';
@@ -90,24 +138,66 @@ export const calculateFinancialHealth = (data: HealthScoreDetails): FinancialSta
 
     if (totalScore >= 90) {
         label = '财务卓越';
-        color = '#10B981'; // Emerald 500
+        color = '#10B981';
-        description = '资产极其健康，习惯优秀';
+        description = '资产结构完美，抗风险能力极强';
     } else if (totalScore >= 75) {
         label = '非常健康';
-        color = '#3B82F6'; // Blue 500
+        color = '#3B82F6';
-        description = '财务状况良好，继续保持';
+        description = '现金流充足，债务控制良好';
     } else if (totalScore >= 60) {
         label = '亚健康';
-        color = '#F59E0B'; // Amber 500
+        color = '#F59E0B';
-        description = '存在潜在风险，需注意收支';
+        description = '需关注应急资金储备与消费控制';
     } else if (totalScore >= 40) {
         label = '脆弱';
-        color = '#F97316'; // Orange 500
+        color = '#F97316';
-        description = '抗风险能力弱，建议储蓄';
+        description = '高风险！建议优先建立应急储备金';
     } else {
         label = '危机';
-        color = '#EF4444'; // Red 500
+        color = '#EF4444';
-        description = '财务状况堪忧，急需调整';
+        description = '严重的财务风险，请立即停止非必要支出';
+    }
+
+    // --- TIPS GENERATION ---
+    const tips: string[] = [];
+
+    // Solvency Tips
+    if (monthsRunway < 3) {
+        tips.push(`⚠️ 应急资金不足 (仅够维持 ${monthsRunway.toFixed(1)} 个月)。建议储备至少 3-6 个月的生活费。`);
+    } else if (monthsRunway > 12) {
+        tips.push(`💡 现金储备充足 (${monthsRunway.toFixed(1)} 个月)。建议将多余资金进行投资以跑赢通胀。`);
+    } else {
+        tips.push(`✅ 应急储备健康 (${monthsRunway.toFixed(1)} 个月)。`);
+    }
+
+    if (debtRatio > 0.5) {
+        tips.push(`⚠️ 负债率偏高 (${(debtRatio * 100).toFixed(0)}%)。请优先偿还高息债务。`);
+    }
+
+    // Budget Tips
+    let budgetHealth = 0;
+    if (data.monthlyBudget > 0) {
+        const today = new Date();
+        const daysInMonth = new Date(today.getFullYear(), today.getMonth() + 1, 0).getDate();
+        const timeProgress = today.getDate() / daysInMonth;
+        const budgetUsage = data.monthlySpent / data.monthlyBudget;
+
+        if (budgetUsage > timeProgress * 1.2) {
+            tips.push(`⚠️ 消费速度过快 (超前 ${((budgetUsage - timeProgress) * 100).toFixed(0)}%)。请控制非必要支出。`);
+            budgetHealth = -1;
+        } else if (budgetUsage < timeProgress * 0.8) {
+            tips.push(`👏 预算控制极佳 (结余 ${((timeProgress - budgetUsage) * 100).toFixed(0)}%)。继续保持！`);
+            budgetHealth = 1;
+        } else {
+            budgetHealth = 0;
+        }
+    } else {
+        tips.push(`💡 尚未设置预算。建议设定月度预算以获得更准确的健康评估。`);
+    }
+
+    // Habit Tips
+    if (data.streakDays < 3) {
+        tips.push(`🔥 坚持记账是理财的第一步。加油！`);
     }
 
     return {
@@ -120,6 +210,12 @@ export const calculateFinancialHealth = (data: HealthScoreDetails): FinancialSta
             budget: budgetScore,
             habit: habitScore,
             activity: activityScore
-        }
+        },
+        metrics: {
+            debtRatio,
+            survivalMonths: monthsRunway,
+            budgetHealth
+        },
+        tips
     };
 };