import { describe, it, expect } from 'vitest' import { calculateLatePaymentInterest, getAnnualInterestRate, getReferensrantaAt, } from '../late-payment-interest' describe('getReferensrantaAt', () => { it('returns 0 for early 2022', () => { expect(getReferensrantaAt('2022-01-15')).toBe(0) }) it('returns 0.005 for late 2022', () => { expect(getReferensrantaAt('2022-12-31')).toBe(0.005) }) it('returns the boundary value exactly on switch date', () => { expect(getReferensrantaAt('2024-07-01')).toBe(0.0425) }) it('returns the most recent rate for dates in 2026', () => { expect(getReferensrantaAt('2026-05-15')).toBe(0.025) }) it('falls back to earliest entry for pre-2022 dates', () => { expect(getReferensrantaAt('2021-01-01')).toBe(0) }) }) describe('getAnnualInterestRate', () => { it('adds 8 percentage points to referensränta by default', () => { // 2026 referensränta = 0.025 → 0.025 + 0.08 = 0.105 const rate = getAnnualInterestRate('2026-05-01') expect(rate).toBeCloseTo(0.105, 4) }) it('uses the override rate when supplied', () => { const rate = getAnnualInterestRate('2026-05-01', 0.115) expect(rate).toBe(0.115) }) it('respects override of 0 (interest-free reminder)', () => { const rate = getAnnualInterestRate('2026-05-01', 0) expect(rate).toBe(0) }) it('ignores undefined override but respects 0', () => { expect(getAnnualInterestRate('2026-05-01', undefined)).toBeCloseTo(0.105, 4) expect(getAnnualInterestRate('2026-05-01', null)).toBeCloseTo(0.105, 4) }) }) describe('calculateLatePaymentInterest', () => { it('returns 0 when invoice is not yet overdue', () => { const result = calculateLatePaymentInterest({ overdueAmount: 10_000, dueDate: '2026-06-01', asOfDate: '2026-05-15', }) expect(result.amount).toBe(0) expect(result.days).toBe(0) expect(result.fromDate).toBe('2026-06-01') }) it('returns 0 when asOfDate equals dueDate', () => { const result = calculateLatePaymentInterest({ overdueAmount: 10_000, dueDate: '2026-05-15', asOfDate: '2026-05-15', }) expect(result.amount).toBe(0) expect(result.days).toBe(0) }) it('computes Räntelagen §6 default for 30 days on 10 000 kr (2026 rate 10.5%)', () => { // 2026-01-01 referensränta = 0.025 → annual rate = 0.105 // interest = 10 000 × 0.105 × 30 / 365 ≈ 86.30 const result = calculateLatePaymentInterest({ overdueAmount: 10_000, dueDate: '2026-04-15', asOfDate: '2026-05-15', }) expect(result.days).toBe(30) expect(result.rate).toBeCloseTo(0.105, 4) expect(result.amount).toBeCloseTo(86.3, 1) }) it('computes with explicit override 5% on 10 000 kr for 30 days ≈ 41.10', () => { // interest = 10 000 × 0.05 × 30 / 365 ≈ 41.0959 const result = calculateLatePaymentInterest({ overdueAmount: 10_000, dueDate: '2026-04-15', asOfDate: '2026-05-15', overrideRate: 0.05, }) expect(result.amount).toBeCloseTo(41.1, 1) expect(result.rate).toBe(0.05) }) it('computes with explicit override 11.5% on 10 000 kr for 30 days ≈ 94.52', () => { // interest = 10 000 × 0.115 × 30 / 365 ≈ 94.5205 const result = calculateLatePaymentInterest({ overdueAmount: 10_000, dueDate: '2026-04-15', asOfDate: '2026-05-15', overrideRate: 0.115, }) expect(result.amount).toBeCloseTo(94.52, 1) expect(result.rate).toBe(0.115) }) it('uses the rate at the dueDate even when asOfDate is in a later rate period', () => { // Due in late 2025 (rate at 2025-12-15: referensränta 0.0325 → annual 0.1125), // checked in 2026 (rate 0.025 + 0.08 = 0.105). We should use the dueDate rate. const result = calculateLatePaymentInterest({ overdueAmount: 10_000, dueDate: '2025-12-15', asOfDate: '2026-02-15', }) expect(result.rate).toBeCloseTo(0.1125, 4) }) it('throws on a negative overdue amount', () => { expect(() => calculateLatePaymentInterest({ overdueAmount: -500, dueDate: '2026-04-15', asOfDate: '2026-05-15', }), ).toThrow() }) it('returns 0 amount when overdueAmount is 0 even if days > 0', () => { const result = calculateLatePaymentInterest({ overdueAmount: 0, dueDate: '2026-04-15', asOfDate: '2026-05-15', }) expect(result.amount).toBe(0) expect(result.days).toBe(0) }) it('rounds to 2 decimals (no toFixed drift)', () => { // 12 345 × 0.115 × 17 / 365 = 66.1150... → 66.12 const result = calculateLatePaymentInterest({ overdueAmount: 12_345, dueDate: '2026-04-15', asOfDate: '2026-05-02', overrideRate: 0.115, }) expect(result.amount).toBe(66.12) }) })