Release 2.11.0: household toggle to hide AI summaries and debt suggestion

Author: rollecode

CHANGELOG.md

@@ -1,3 +1,7 @@
+### 2.11.0: 2026-05-29
+
+* Add household setting to hide AI summaries and debt suggestion everywhere via settings toggle
+
 ### 2.10.0: 2026-05-29
 
 * Add automatic daily YNAB sync via cron with a configurable hour setting, default 6

src/app/(app)/debts/page.tsx

@@ -89,6 +89,7 @@ export default function DebtsPage() {
   const [extraPayment, setExtraPayment] = useState(50);
   const [aiSuggestion, setAiSuggestion] = useState<string | null>(null);
   const [aiLoading, setAiLoading] = useState(false);
+  const [aiHidden, setAiHidden] = useState(false);
   const [saving, setSaving] = useState<string | null>(null);
   const [dragIdx, setDragIdx] = useState<number | null>(null);
 
@@ -105,14 +106,23 @@ export default function DebtsPage() {
       .catch((err) => console.error("[debts] Load error:", err))
       .finally(() => setLoading(false));
 
-    // Load cached suggestion separately (don't block page, cache only)
-    fetch("/api/debts/suggestion?cache_only=1")
+    // Honor household AI-summaries off-switch and load cached suggestion if not disabled
+    fetch("/api/household")
       .then((r) => r.json())
-      .then((data) => {
-        if (data.suggestion) {
-          console.info("[debts] Loaded cached AI suggestion");
-          setAiSuggestion(data.suggestion);
+      .then((h) => {
+        if (h.settings?.ai_summaries_disabled === "1") {
+          setAiHidden(true);
+          return;
         }
+        return fetch("/api/debts/suggestion?cache_only=1")
+          .then((r) => r.json())
+          .then((data) => {
+            if (data.disabled) { setAiHidden(true); return; }
+            if (data.suggestion) {
+              console.info("[debts] Loaded cached AI suggestion");
+              setAiSuggestion(data.suggestion);
+            }
+          });
       })
       .catch(() => {});
   }, []);
@@ -233,6 +243,7 @@ export default function DebtsPage() {
       </div>
 
       {/* AI suggestion */}
+      {!aiHidden && (
       <Card className="ai-summary-card">
         <div className="ai-summary-header">
           <div className="ai-summary-icon"><Sparkles /></div>
@@ -252,6 +263,7 @@ export default function DebtsPage() {
           </p>
         )}
       </Card>
+      )}
 
       {/* Debt list with editable fields */}
       {debts.length > 0 && (

src/app/(app)/settings/page.tsx

@@ -60,6 +60,8 @@ export default function SettingsPage() {
   const [reserveSaved, setReserveSaved] = useState(false);
   const [ynabSyncHour, setYnabSyncHour] = useState("6");
   const [syncHourSaved, setSyncHourSaved] = useState(false);
+  const [aiSummariesDisabled, setAiSummariesDisabled] = useState(false);
+  const [aiSummariesSaved, setAiSummariesSaved] = useState(false);
   const [billsModeSaved, setBillsModeSaved] = useState(false);
   const [thresholds, setThresholds] = useState({ tight: "20", normal: "30", good: "50" });
   const [thresholdsSaved, setThresholdsSaved] = useState(false);
@@ -133,6 +135,9 @@ export default function SettingsPage() {
           if (householdData.settings?.ynab_sync_hour !== undefined) {
             setYnabSyncHour(String(householdData.settings.ynab_sync_hour));
           }
+          if (householdData.settings?.ai_summaries_disabled !== undefined) {
+            setAiSummariesDisabled(householdData.settings.ai_summaries_disabled === "1");
+          }
           if (householdData.settings?.budget_threshold_tight) setThresholds((p) => ({ ...p, tight: householdData.settings.budget_threshold_tight }));
           if (householdData.settings?.budget_threshold_normal) setThresholds((p) => ({ ...p, normal: householdData.settings.budget_threshold_normal }));
           if (householdData.settings?.budget_threshold_good) setThresholds((p) => ({ ...p, good: householdData.settings.budget_threshold_good }));
@@ -1088,6 +1093,30 @@ export default function SettingsPage() {
             </CardTitle>
           </CardHeader>
           <CardContent className="form-stack">
+            <div className="form-field">
+              <Label>{locale === "fi" ? "Piilota AI-yhteenvedot" : "Hide AI summaries"}</Label>
+              <div className="settings-row">
+                <Switch
+                  checked={aiSummariesDisabled}
+                  onCheckedChange={async (v) => {
+                    setAiSummariesDisabled(v);
+                    await fetch("/api/household", {
+                      method: "POST",
+                      headers: { "Content-Type": "application/json" },
+                      body: JSON.stringify({ ai_summaries_disabled: v ? "1" : "0" }),
+                    });
+                    setAiSummariesSaved(true);
+                    setTimeout(() => setAiSummariesSaved(false), 2000);
+                  }}
+                />
+                {aiSummariesSaved && <span className="settings-saved">{t.common.saved}</span>}
+              </div>
+              <p className="settings-help">
+                {locale === "fi"
+                  ? "Piilottaa AI-yhteenvedot ja velkasuosituksen kaikkialta sovelluksessa. Asetus on jaettu kotitalouden kaikille käyttäjille."
+                  : "Hides AI summaries and the debt suggestion across the app. Setting is shared with all household users."}
+              </p>
+            </div>
             {([
               { key: "chat" as const, dbKey: "prompt_chat_guidelines", label: locale === "fi" ? "Keskustelun ohjeet" : "Chat guidelines" },
               { key: "summary" as const, dbKey: "prompt_summary_instructions", label: locale === "fi" ? "Yhteenvedon ohjeet" : "Summary instructions" },

src/app/api/debts/suggestion/route.ts

@@ -2,6 +2,7 @@
 import { NextResponse } from "next/server";
 import { getSession } from "@/lib/auth";
 import { getDb } from "@/lib/db";
+import { getHouseholdSetting } from "@/lib/household";
 import { spawn } from "child_process";
 
 export async function GET(request: Request) {
@@ -13,6 +14,11 @@ export async function GET(request: Request) {
     const cacheOnly = url.searchParams.get("cache_only") === "1";
     const refresh = url.searchParams.get("refresh") === "1";
 
+    // Household-wide off switch for AI summaries
+    if (getHouseholdSetting("ai_summaries_disabled") === "1") {
+      return NextResponse.json({ suggestion: null, disabled: true });
+    }
+
     const db = getDb();
 
     // Check for cached suggestion
@@ -55,7 +61,6 @@ export async function GET(request: Request) {
       return `${a.name}: ${balance.toFixed(0)} euros${rate > 0 ? ` (${rate}% APR)` : ""}${payment > 0 ? `, ${payment} euros/month` : ""}${dueDay > 0 ? ` (due ${dueDay}th)` : ""}`;
     });
 
-    const { getHouseholdSetting } = await import("@/lib/household");
     const householdProfile = getHouseholdSetting("household_profile") || "";
     const { DEFAULT_DEBT_INSTRUCTIONS } = await import("@/lib/ai/default-prompts");
     const debtInstructions = getHouseholdSetting("prompt_debt_instructions") || DEFAULT_DEBT_INSTRUCTIONS;

src/app/api/household/route.ts

@@ -29,6 +29,7 @@ export async function GET() {
         reserve_next_month_saving: settings.reserve_next_month_saving || "0",
         last_reservation_month: settings.last_reservation_month || "",
         ynab_sync_hour: settings.ynab_sync_hour || "6",
+        ai_summaries_disabled: settings.ai_summaries_disabled || "0",
         budget_threshold_tight: settings.budget_threshold_tight || "20",
         budget_threshold_normal: settings.budget_threshold_normal || "30",
         budget_threshold_good: settings.budget_threshold_good || "50",

src/app/api/summary/route.ts

@@ -1,7 +1,7 @@
 import { NextResponse } from "next/server";
 import { getSession } from "@/lib/auth";
 import { getDb } from "@/lib/db";
-import { getYnabToken, getYnabBudgetId } from "@/lib/household";
+import { getYnabToken, getYnabBudgetId, getHouseholdSetting } from "@/lib/household";
 import { DEFAULT_SUMMARY_INSTRUCTIONS } from "@/lib/ai/default-prompts";
 import { spawn } from "child_process";
 
@@ -17,6 +17,11 @@ export async function GET(request: Request) {
     const url = new URL(request.url);
     const forceRefresh = url.searchParams.get("refresh") === "1";
 
+    // Household-wide off switch for AI summaries
+    if (getHouseholdSetting("ai_summaries_disabled") === "1") {
+      return NextResponse.json({ summary: null, disabled: true });
+    }
+
     const db = getDb();
 
     // Ensure table exists
@@ -112,7 +117,6 @@ export async function GET(request: Request) {
       ? "Respond in Finnish."
       : "Respond in English.";
 
-    const { getHouseholdSetting } = await import("@/lib/household");
     const householdProfile = getHouseholdSetting("household_profile") || "";
 
     const daysPassed = now.getDate();