Files

olsch01 bf70efc0d7 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 <noreply@anthropic.com>

2026-03-11 10:05:41 -04:00

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HOA LedgerIQ — AI Investment Advisor Configuration

Overview

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.

Architecture

Browser (app.js)
  └─► POST /api/calculate   (server.js)
        └─► 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)

Configuration (.env)

Add these variables to your .env file (or systemd EnvironmentFile):

# 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

# 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.

How It Works

server.js initializes the OpenAI client with your configured base URL and key:

const aiClient = AI_API_KEY
  ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL })
  : null;

The POST /api/calculate endpoint builds a prompt from the form inputs and calls:

const completion = await aiClient.chat.completions.create({
  model:      AI_MODEL,
  max_tokens: 300,
  messages:   [{ role: 'user', content: prompt }],
});

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.

Restart & Verify

sudo systemctl restart hoaledgeriqweb

# 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}'

Prompt Tuning

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"
Shorter output	Reduce `max_tokens` to `150`
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."

Debug Logging

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

Never put AI_API_KEY in app.js — all AI calls go through server.js.
Rate-limit the endpoint to prevent abuse:

npm install express-rate-limit --ignore-scripts

const rateLimit = require('express-rate-limit');
app.use('/api/calculate', rateLimit({ windowMs: 60_000, max: 10 }));

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