From bf70efc0d79c77c56ea9664a61769959d5204a64 Mon Sep 17 00:00:00 2001 From: olsch01 Date: Wed, 11 Mar 2026 10:05:36 -0400 Subject: [PATCH] Add OpenAI-compatible AI investment advisor to benefit calculator - server.js: add /api/calculate endpoint using openai SDK with configurable AI_API_URL, AI_API_KEY, AI_MODEL, AI_DEBUG env vars (works with any OpenAI-compatible provider: NVIDIA NIM, Together AI, Groq, Ollama, etc.) - app.js: make calculator submit handler async; call /api/calculate with graceful fallback to client-side generated text if AI is unavailable - package.json: add openai and dotenv dependencies - AI_SETUP.md: rewrite to document new unified env var config with provider examples Co-Authored-By: Claude Sonnet 4.6 --- AI_SETUP.md | 205 ++------ app.js | 19 +- package-lock.json | 1286 +++++++++++++++++++++++++++++++++++++++++++++ package.json | 4 +- server.js | 65 +++ 5 files changed, 1423 insertions(+), 156 deletions(-) create mode 100644 package-lock.json diff --git a/AI_SETUP.md b/AI_SETUP.md index a079dba..2862adc 100644 --- a/AI_SETUP.md +++ b/AI_SETUP.md @@ -1,10 +1,8 @@ -# HOA LedgerIQ — AI API Configuration Guide +# HOA LedgerIQ — AI Investment Advisor Configuration ## Overview -The **Benefit Calculator widget** currently runs entirely client-side using conservative -fixed-rate math. This guide explains how to upgrade it to call a real AI API -(Claude or OpenAI) so the recommendation text is generated dynamically by a language model. +The **Benefit Calculator** uses an AI model to generate a personalized investment recommendation. It supports any **OpenAI-compatible API** — including OpenAI, NVIDIA NIM, Together AI, Groq, Ollama, and others — configured via environment variables. --- @@ -13,162 +11,72 @@ fixed-rate math. This guide explains how to upgrade it to call a real AI API ``` Browser (app.js) └─► POST /api/calculate (server.js) - └─► Anthropic / OpenAI API - └─► Returns AI-generated investment recommendation text + └─► OpenAI-compatible API (AI_API_URL) + └─► Returns AI-generated recommendation text └─► JSON response back to browser + (falls back to client-side math text if unavailable) ``` --- -## Step 1 — Add your API key to `.env` +## Configuration (.env) -Open `.env` in the project root and add one of the following: +Add these variables to your `.env` file (or systemd `EnvironmentFile`): ```env -# For Claude (Anthropic) — recommended -ANTHROPIC_API_KEY=sk-ant-... +# AI Investment Advisor (OpenAI-compatible API) +AI_API_URL=https://integrate.api.nvidia.com/v1 +AI_API_KEY=your_api_key_here +AI_MODEL=qwen/qwen3.5-397b-a17b -# OR for OpenAI -OPENAI_API_KEY=sk-... +# Set to 'true' to enable detailed AI prompt/response logging +AI_DEBUG=false ``` +### Provider Examples + +| Provider | AI_API_URL | Example Model | +|---|---|---| +| OpenAI | `https://api.openai.com/v1` | `gpt-4o-mini` | +| NVIDIA NIM | `https://integrate.api.nvidia.com/v1` | `qwen/qwen3.5-397b-a17b` | +| Together AI | `https://api.together.xyz/v1` | `meta-llama/Llama-3-70b-chat-hf` | +| Groq | `https://api.groq.com/openai/v1` | `llama3-70b-8192` | +| Ollama (local) | `http://localhost:11434/v1` | `llama3` | + +> If `AI_API_KEY` is not set, the `/api/calculate` endpoint returns 503 and the calculator falls back to client-side generated text automatically. + --- -## Step 2 — Install the SDK +## How It Works -```bash -# Claude (Anthropic) -npm install @anthropic-ai/sdk - -# OR OpenAI -npm install openai -``` - ---- - -## Step 3 — Add the `/api/calculate` endpoint to `server.js` - -Add this block after the existing `/api/health` route: - -### Using Claude (Anthropic) +`server.js` initializes the OpenAI client with your configured base URL and key: ```js -const Anthropic = require('@anthropic-ai/sdk'); -const anthropic = new Anthropic({ apiKey: process.env.ANTHROPIC_API_KEY }); +const aiClient = AI_API_KEY + ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL }) + : null; +``` -app.post('/api/calculate', async (req, res) => { - const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {}; +The `POST /api/calculate` endpoint builds a prompt from the form inputs and calls: - if (!homesites || !annualIncome) { - return res.status(400).json({ error: 'homesites and annualIncome are required.' }); - } - - const fmt = n => '$' + Math.round(n).toLocaleString(); - const freqLabel = { monthly: 'monthly', quarterly: 'quarterly', annually: 'annual' }[paymentFreq] || 'monthly'; - const typeLabel = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || ''; - - const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports. - -Community: ${homesites}-unit ${typeLabel} association -Annual dues income: ${fmt(annualIncome)} (collected ${freqLabel}) -Reserve fund balance: ${fmt(reserveFunds || 0)} -Interest income earned in 2025: ${fmt(interest2025 || 0)} - -Provide a recommendation focused on: -1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills) -2. How much operating cash could earn interest between collection and expense periods -3. A realistic estimated annual interest income potential -4. A single sentence comparing that to their 2025 actual if provided - -Keep the tone professional and factual. No bullet points — flowing paragraph only.`; - - try { - const message = await anthropic.messages.create({ - model: 'claude-opus-4-6', - max_tokens: 300, - messages: [{ role: 'user', content: prompt }], - }); - - const text = message.content[0]?.text ?? ''; - res.json({ recommendation: text }); - } catch (err) { - console.error('AI API error:', err.message); - res.status(502).json({ error: 'AI service unavailable. Showing estimated result.' }); - } +```js +const completion = await aiClient.chat.completions.create({ + model: AI_MODEL, + max_tokens: 300, + messages: [{ role: 'user', content: prompt }], }); ``` -### Using OpenAI (GPT-4o) - -```js -const OpenAI = require('openai'); -const openai = new OpenAI({ apiKey: process.env.OPENAI_API_KEY }); - -app.post('/api/calculate', async (req, res) => { - const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {}; - - // ... (same prompt construction as above) ... - - try { - const completion = await openai.chat.completions.create({ - model: 'gpt-4o', - max_tokens: 300, - messages: [{ role: 'user', content: prompt }], - }); - - const text = completion.choices[0]?.message?.content ?? ''; - res.json({ recommendation: text }); - } catch (err) { - console.error('AI API error:', err.message); - res.status(502).json({ error: 'AI service unavailable.' }); - } -}); -``` +`app.js` calls this endpoint on form submit and falls back to the client-side text if the server returns an error or is unreachable. --- -## Step 4 — Update `app.js` to call the API endpoint - -In the `initCalculator` function, replace this line in the submitBtn handler: - -```js -document.getElementById('calcAiText').textContent = ai; // current: client-side text -``` - -With this: - -```js -// Call the AI endpoint; fall back to client-side text if unavailable -try { - const aiRes = await fetch('/api/calculate', { - method: 'POST', - headers: { 'Content-Type': 'application/json' }, - body: JSON.stringify({ homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 }), - }); - if (aiRes.ok) { - const { recommendation } = await aiRes.json(); - document.getElementById('calcAiText').textContent = recommendation; - } else { - document.getElementById('calcAiText').textContent = ai; // fallback - } -} catch (_) { - document.getElementById('calcAiText').textContent = ai; // fallback -} -``` - -> Note: The `submitBtn` handler must be declared `async` for the `await` above to work: -> ```js -> submitBtn?.addEventListener('click', async () => { ... }); -> ``` - ---- - -## Step 5 — Restart the server +## Restart & Verify ```bash sudo systemctl restart hoaledgeriqweb -# Verify the endpoint is live +# Test the endpoint curl -X POST http://localhost:3000/api/calculate \ -H "Content-Type: application/json" \ -d '{"homesites":150,"propertyType":"sfh","annualIncome":300000,"paymentFreq":"monthly","reserveFunds":500000,"interest2025":4200}' @@ -176,44 +84,35 @@ curl -X POST http://localhost:3000/api/calculate \ --- -## Prompt Tuning Tips +## Prompt Tuning -The prompt in Step 3 is the core of the AI's behavior. You can adjust it to: +Edit the prompt in `server.js` (inside the `/api/calculate` route) to adjust tone or output: | Goal | Change | |---|---| -| More optimistic estimates | Change "conservative" to "moderate" in the prompt | +| More optimistic estimates | Change "conservative" to "moderate" | | Shorter output | Reduce `max_tokens` to `150` | -| Include specific investment products | Add "mention specific products like Vanguard Federal Money Market or 6-month T-bills" | -| Add a disclaimer | Append "End with one sentence reminding them this is not financial advice." | +| Specific products | Add "mention Vanguard Federal Money Market or 6-month T-bills" | +| Add disclaimer | Append "End with one sentence reminding them this is not financial advice." | --- -## Cost Estimate +## Debug Logging -| Model | Approx. cost per calculator use | -|---|---| -| Claude Opus 4.6 | ~$0.002 | -| Claude Sonnet 4.6 | ~$0.0004 | -| GPT-4o | ~$0.002 | -| GPT-4o-mini | ~$0.00005 | - -For a landing page with low traffic, even Claude Opus is negligible cost. For scale, -`claude-sonnet-4-6` is the best balance of quality and price. +Set `AI_DEBUG=true` in `.env` to log the full prompt and response to the server console. Useful for testing new models or prompt changes. --- -## Security Notes +## Security -- **Never expose your API key in `app.js` or any client-side code.** All AI calls must go through `server.js`. -- Rate-limit the `/api/calculate` endpoint to prevent abuse (e.g. with `express-rate-limit`): +- **Never put `AI_API_KEY` in `app.js`** — all AI calls go through `server.js`. +- Rate-limit the endpoint to prevent abuse: ```bash -npm install express-rate-limit +npm install express-rate-limit --ignore-scripts ``` ```js const rateLimit = require('express-rate-limit'); -const calcLimiter = rateLimit({ windowMs: 60 * 1000, max: 10 }); // 10 req/min per IP -app.use('/api/calculate', calcLimiter); +app.use('/api/calculate', rateLimit({ windowMs: 60_000, max: 10 })); ``` diff --git a/app.js b/app.js index eea282d..f9e7522 100644 --- a/app.js +++ b/app.js @@ -52,7 +52,7 @@ close(); }); - submitBtn?.addEventListener('click', () => { + submitBtn?.addEventListener('click', async () => { const homesites = parseFloat(document.getElementById('calcHomesites').value) || 0; const propertyType = document.getElementById('calcPropertyType').value; const annualIncome = parseFloat(document.getElementById('calcAnnualIncome').value) || 0; @@ -116,7 +116,22 @@ ai += `This would represent entirely new interest income for your community at no additional risk.`; } - document.getElementById('calcAiText').textContent = ai; + // ── AI recommendation — call server; fall back to client-side text ── + try { + const aiRes = await fetch('/api/calculate', { + method: 'POST', + headers: { 'Content-Type': 'application/json' }, + body: JSON.stringify({ homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 }), + }); + if (aiRes.ok) { + const { recommendation } = await aiRes.json(); + document.getElementById('calcAiText').textContent = recommendation; + } else { + document.getElementById('calcAiText').textContent = ai; + } + } catch (_) { + document.getElementById('calcAiText').textContent 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a/package.json b/package.json index db44a55..2b5b613 100644 --- a/package.json +++ b/package.json @@ -9,6 +9,8 @@ }, "dependencies": { "better-sqlite3": "^9.4.3", - "express": "^4.18.3" + "dotenv": "^17.3.1", + "express": "^4.18.3", + "openai": "^6.27.0" } } diff --git a/server.js b/server.js index e3f9c33..b86105f 100644 --- a/server.js +++ b/server.js @@ -14,9 +14,20 @@ const path = require('path'); const fs = require('fs'); const express = require('express'); const Database = require('better-sqlite3'); +const OpenAI = require('openai'); // ── Config ────────────────────────────────────────────── const PORT = process.env.PORT || 3000; + +// ── AI client (OpenAI-compatible) ──────────────────────── +const AI_API_URL = process.env.AI_API_URL || 'https://api.openai.com/v1'; +const AI_API_KEY = process.env.AI_API_KEY || ''; +const AI_MODEL = process.env.AI_MODEL || 'gpt-4o-mini'; +const AI_DEBUG = process.env.AI_DEBUG === 'true'; + +const aiClient = AI_API_KEY + ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL }) + : null; const DB_DIR = path.join(__dirname, 'data'); const DB_PATH = path.join(DB_DIR, 'leads.db'); @@ -127,6 +138,60 @@ app.get('/api/leads', (req, res) => { res.json({ count: leads.length, leads }); }); +// POST /api/calculate — AI-powered investment recommendation +app.post('/api/calculate', async (req, res) => { + if (!aiClient) { + return res.status(503).json({ error: 'AI service not configured.' }); + } + + const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {}; + + if (!homesites || !annualIncome) { + return res.status(400).json({ error: 'homesites and annualIncome are required.' }); + } + + const fmt = n => '$' + Math.round(n).toLocaleString(); + const freqLabel = { monthly: 'monthly', quarterly: 'quarterly', annually: 'annual' }[paymentFreq] || 'monthly'; + const typeLabel = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || ''; + + const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports. + +Community: ${homesites}-unit ${typeLabel} association +Annual dues income: ${fmt(annualIncome)} (collected ${freqLabel}) +Reserve fund balance: ${fmt(reserveFunds || 0)} +Interest income earned in 2025: ${fmt(interest2025 || 0)} + +Provide a recommendation focused on: +1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills) +2. How much operating cash could earn interest between collection and expense periods +3. A realistic estimated annual interest income potential +4. A single sentence comparing that to their 2025 actual if provided + +Keep the tone professional and factual. No bullet points — flowing paragraph only.`; + + if (AI_DEBUG) { + console.log('[AI_DEBUG] model:', AI_MODEL); + console.log('[AI_DEBUG] prompt:', prompt); + } + + try { + const completion = await aiClient.chat.completions.create({ + model: AI_MODEL, + max_tokens: 300, + messages: [{ role: 'user', content: prompt }], + }); + + const text = completion.choices[0]?.message?.content ?? ''; + + if (AI_DEBUG) console.log('[AI_DEBUG] response:', text); + + res.json({ recommendation: text }); + } catch (err) { + console.error('AI API error:', err.message); + res.status(502).json({ error: 'AI service unavailable. Showing estimated result.' }); + } +}); + // Health check app.get('/api/health', (_req, res) => res.json({ status: 'ok', ts: new Date().toISOString() }));