#!/usr/bin/env python3 """ condo-cost-tracker — Track Davao condo investment costs and ROI. Local data only. No external APIs. """ import json import csv import sys import argparse from datetime import date, datetime from pathlib import Path DATA_DIR = Path.home() / ".condo-tracker" UNITS_FILE = DATA_DIR / "units.json" EXPENSES_DIR = DATA_DIR / "expenses" PROJECTIONS_DIR = DATA_DIR / "projections" EXPENSE_CATEGORIES = [ "HOA", "Mortgage", "Utilities", "Cleaning", "Maintenance", "Platform", "Insurance", "Tax", "Furnishings", "Other" ] def ensure_dirs(): for d in [DATA_DIR, EXPENSES_DIR, PROJECTIONS_DIR]: d.mkdir(parents=True, exist_ok=True) if not UNITS_FILE.exists(): UNITS_FILE.write_text(json.dumps({"units": []}, indent=2)) def load_units() -> list: return json.loads(UNITS_FILE.read_text()).get("units", []) def save_units(units: list): UNITS_FILE.write_text(json.dumps({"units": units}, indent=2)) def expense_file(unit: str, month: str) -> Path: return EXPENSES_DIR / f"{month}-{unit}.json" def load_expenses(unit: str, month: str) -> list: f = expense_file(unit, month) return json.loads(f.read_text()) if f.exists() else [] def save_expenses(unit: str, month: str, expenses: list): expense_file(unit, month).write_text(json.dumps(expenses, indent=2)) def php_to_usd(amount: float, rate: float = 56.0) -> float: return amount / rate def fmt_php(amount: float) -> str: return f"₱{amount:,.0f}" def fmt_usd(amount: float) -> str: return f"${amount:,.2f}" # ─── Commands ──────────────────────────────────────────────────────────────── def cmd_units(args): units = load_units() if not units: print("No units registered. Add one with: condo-tracker add-unit --name '...' --type STR") return for u in units: print(f"• {u['name']} ({u.get('type','STR')}) — Purchase: {fmt_php(u.get('purchase_price',0))} | HOA: {fmt_php(u.get('hoa_monthly',0))}/mo") def cmd_add_unit(args): units = load_units() unit = { "name": args.name, "type": args.type or "STR", "purchase_price": args.purchase_price or 0, "hoa_monthly": args.hoa or 0, "nightly_rate_usd": args.nightly_rate or 0, "added": date.today().isoformat(), } units.append(unit) save_units(units) print(f"✅ Unit added: {unit['name']}") def cmd_log(args): if args.category not in EXPENSE_CATEGORIES: print(f"❌ Invalid category. Choose from: {', '.join(EXPENSE_CATEGORIES)}") sys.exit(1) expenses = load_expenses(args.unit, args.month) entry = { "date": date.today().isoformat(), "category": args.category, "amount": args.amount, "currency": args.currency or "PHP", "note": args.note or "", } expenses.append(entry) save_expenses(args.unit, args.month, expenses) currency_sym = "₱" if (args.currency or "PHP") == "PHP" else "$" print(f"✅ Logged: {args.category} — {currency_sym}{args.amount:,.0f} ({args.month})") def cmd_summary(args): expenses = load_expenses(args.unit, args.month) if not expenses: print(f"No expenses logged for {args.unit} in {args.month}.") return # Group by category by_cat: dict[str, float] = {} total_php = 0.0 for e in expenses: amt = e["amount"] if e["currency"] == "USD": amt = amt * 56.0 # to PHP by_cat[e["category"]] = by_cat.get(e["category"], 0) + amt total_php += amt print(f"\n{'─'*50}") print(f" Condo Cost Summary — {args.unit} / {args.month}") print(f"{'─'*50}") for cat, amt in sorted(by_cat.items(), key=lambda x: -x[1]): print(f" {cat:<14} {fmt_php(amt):>12}") print(f"{'─'*50}") print(f" {'TOTAL':<14} {fmt_php(total_php):>12} (~{fmt_usd(php_to_usd(total_php))})") print(f"{'─'*50}\n") def cmd_project(args): """12-month STR revenue projection vs. costs.""" nightly = args.str_rate # USD occ = args.occupancy / 100 exchange = args.exchange_rate or 56.0 monthly_gross_usd = nightly * 30 * occ platform_fee = monthly_gross_usd * 0.03 cleaning_turns = int(30 * occ / 3) # avg 3-night stay cleaning_cost_usd = cleaning_turns * (args.cleaning_fee or 15) net_str_usd = monthly_gross_usd - platform_fee - cleaning_cost_usd hoa_php = args.hoa or 9000 utilities_php = args.utilities or 5000 mortgage_php = args.mortgage or 0 monthly_costs_php = hoa_php + utilities_php + mortgage_php monthly_costs_usd = monthly_costs_php / exchange net_cash_flow_usd = net_str_usd - monthly_costs_usd print(f"\n{'═'*55}") print(f" STR Projection — {args.unit or 'Unit'}") print(f"{'═'*55}") print(f" Nightly rate: {fmt_usd(nightly)}/night") print(f" Occupancy: {occ*100:.0f}% ({occ*30:.1f} nights/month)") print(f" Gross revenue: {fmt_usd(monthly_gross_usd)}/month") print(f" Platform fee (3%): -{fmt_usd(platform_fee)}") print(f" Cleaning ({cleaning_turns} turns): -{fmt_usd(cleaning_cost_usd)}") print(f" ─────────────────────────────────────────────") print(f" Net STR income: {fmt_usd(net_str_usd)}/month (~{fmt_php(net_str_usd*exchange)})") print(f"\n Monthly costs:") print(f" HOA: {fmt_php(hoa_php)}") print(f" Utilities: {fmt_php(utilities_php)}") if mortgage_php: print(f" Mortgage: {fmt_php(mortgage_php)}") print(f" Total costs: {fmt_php(monthly_costs_php)} (~{fmt_usd(monthly_costs_usd)})") print(f" ─────────────────────────────────────────────") cf_label = "💚 POSITIVE" if net_cash_flow_usd > 0 else "🔴 NEGATIVE" print(f" Net cash flow: {fmt_usd(net_cash_flow_usd)}/month {cf_label}") print(f" Annual net: {fmt_usd(net_cash_flow_usd*12)}/year") print(f"{'═'*55}\n") def cmd_compare(args): """Compare STR vs long-term rental (LTR).""" nightly = args.str_rate or 50 occ = (args.occupancy or 70) / 100 exchange = args.exchange_rate or 56.0 ltr_php = args.ltr_rate or 18000 # monthly PHP # STR str_gross = nightly * 30 * occ str_net = str_gross * 0.97 - int(30 * occ / 3) * 15 # ~3% platform, $15 cleaning/turn # LTR ltr_usd = ltr_php / exchange print(f"\n{'═'*50}") print(f" STR vs LTR Comparison") print(f"{'═'*50}") print(f" STR ({nightly}/night, {occ*100:.0f}% occ.):") print(f" Gross: {fmt_usd(str_gross)}/mo ({fmt_php(str_gross*exchange)})") print(f" Net: {fmt_usd(str_net)}/mo ({fmt_php(str_net*exchange)})") print(f"\n LTR (fixed rent):") print(f" Revenue: {fmt_usd(ltr_usd)}/mo ({fmt_php(ltr_php)})") print(f"\n STR advantage: {fmt_usd(str_net - ltr_usd)}/month") adv = str_net - ltr_usd note = "✅ STR earns more" if adv > 0 else "⚠️ LTR earns more (or similar)" print(f" {note}") print(f"{'═'*50}\n") def cmd_roi(args): """ROI and break-even analysis.""" purchase = args.purchase_price or 3500000 # PHP exchange = args.exchange_rate or 56.0 net_monthly_usd = args.net_monthly_usd or 500 net_annual_php = net_monthly_usd * 12 * exchange roi_pct = (net_annual_php / purchase) * 100 payback_years = purchase / net_annual_php if net_annual_php > 0 else float("inf") print(f"\n{'═'*50}") print(f" ROI Analysis") print(f"{'═'*50}") print(f" Purchase price: {fmt_php(purchase)}") print(f" Net monthly income: {fmt_usd(net_monthly_usd)} ({fmt_php(net_monthly_usd*exchange)})") print(f" Net annual income: {fmt_php(net_annual_php)}") print(f" ROI: {roi_pct:.1f}%/year") print(f" Payback period: {payback_years:.1f} years") print(f"{'═'*50}\n") def cmd_export(args): unit = args.unit year = args.year or date.today().year rows = [] for m in range(1, 13): month_str = f"{year}-{m:02d}" expenses = load_expenses(unit, month_str) for e in expenses: rows.append({ "month": month_str, "unit": unit, "category": e["category"], "amount": e["amount"], "currency": e["currency"], "note": e.get("note", ""), "date": e.get("date", ""), }) if not rows: print(f"No expense data found for {unit} in {year}.") return out = Path(f"condo-{unit}-{year}-{date.today().isoformat()}.csv") with open(out, "w", newline="") as f: writer = csv.DictWriter(f, fieldnames=rows[0].keys()) writer.writeheader() writer.writerows(rows) print(f"✅ Exported {len(rows)} records to {out}") # ─── Main ──────────────────────────────────────────────────────────────────── def main(): ensure_dirs() parser = argparse.ArgumentParser(description="Condo Cost Tracker — Davao Investment") sub = parser.add_subparsers(dest="command") sub.add_parser("units", help="List registered units") p_add = sub.add_parser("add-unit", help="Register a new condo unit") p_add.add_argument("--name", required=True) p_add.add_argument("--type", default="STR", choices=["STR", "LTR", "Owner"]) p_add.add_argument("--purchase-price", type=float) p_add.add_argument("--hoa", type=float) p_add.add_argument("--nightly-rate", type=float) p_log = sub.add_parser("log", help="Log a monthly expense") p_log.add_argument("--unit", required=True) p_log.add_argument("--month", required=True, help="YYYY-MM") p_log.add_argument("--category", required=True, choices=EXPENSE_CATEGORIES) p_log.add_argument("--amount", type=float, required=True) p_log.add_argument("--currency", default="PHP", choices=["PHP", "USD"]) p_log.add_argument("--note") p_sum = sub.add_parser("summary", help="Monthly expense summary") p_sum.add_argument("--unit", required=True) p_sum.add_argument("--month", required=True) p_proj = sub.add_parser("project", help="STR revenue projection") p_proj.add_argument("--unit") p_proj.add_argument("--str-rate", type=float, required=True, help="Nightly rate in USD") p_proj.add_argument("--occupancy", type=float, default=70, help="Occupancy rate 0-100 (default 70)") p_proj.add_argument("--hoa", type=float, help="Monthly HOA in PHP") p_proj.add_argument("--utilities", type=float, help="Monthly utilities in PHP") p_proj.add_argument("--mortgage", type=float, help="Monthly mortgage in PHP") p_proj.add_argument("--cleaning-fee", type=float, help="Cleaning fee per turn USD (default 15)") p_proj.add_argument("--exchange-rate", type=float, help="PHP/USD rate (default 56)") p_comp = sub.add_parser("compare", help="Compare STR vs LTR income") p_comp.add_argument("--unit") p_comp.add_argument("--str-rate", type=float) p_comp.add_argument("--occupancy", type=float) p_comp.add_argument("--ltr-rate", type=float, help="Long-term monthly rent in PHP") p_comp.add_argument("--exchange-rate", type=float) p_roi = sub.add_parser("roi", help="ROI and payback analysis") p_roi.add_argument("--unit") p_roi.add_argument("--purchase-price", type=float, help="Purchase price in PHP") p_roi.add_argument("--net-monthly-usd", type=float, help="Expected net monthly income USD") p_roi.add_argument("--exchange-rate", type=float) p_exp = sub.add_parser("export", help="Export to CSV") p_exp.add_argument("--unit", required=True) p_exp.add_argument("--year", type=int) args = parser.parse_args() dispatch = { "units": cmd_units, "add-unit": cmd_add_unit, "log": cmd_log, "summary": cmd_summary, "project": cmd_project, "compare": cmd_compare, "roi": cmd_roi, "export": cmd_export, } if args.command in dispatch: dispatch[args.command](args) else: parser.print_help() if __name__ == "__main__": main()