feat: add TCO calculation service (refs #15)

- Add TCOResponse interface
- Add getTCO() method aggregating all cost sources
- Add normalizeRecurringCost() with division-by-zero guard
- Integrate FuelLogsService and MaintenanceService for cost data
- Respect user preferences for distance unit and currency

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

backend/src/features/vehicles/domain/vehicles.service.ts

@@ -10,7 +10,10 @@ import {
   CreateVehicleRequest,
   UpdateVehicleRequest,
   VehicleResponse,
-  VehicleImageMeta
+  VehicleImageMeta,
+  TCOResponse,
+  CostInterval,
+  PAYMENTS_PER_YEAR
 } from './vehicles.types';
 import { logger } from '../../../core/logging/logger';
 import { cacheService } from '../../../core/config/redis';
@@ -25,6 +28,10 @@ import { NHTSAClient, NHTSADecodeResponse, DecodedVehicleData, MatchedField } fr
 import { canAddVehicle, getVehicleLimitConfig } from '../../../core/config/feature-tiers';
 import { UserProfileRepository } from '../../user-profile/data/user-profile.repository';
 import { SubscriptionTier } from '../../user-profile/domain/user-profile.types';
+import { FuelLogsService } from '../../fuel-logs/domain/fuel-logs.service';
+import { FuelLogsRepository } from '../../fuel-logs/data/fuel-logs.repository';
+import { MaintenanceService } from '../../maintenance/domain/maintenance.service';
+import { UserSettingsService } from '../../fuel-logs/external/user-settings.service';
 
 export class VehicleLimitExceededError extends Error {
   constructor(
@@ -378,6 +385,108 @@ export class VehiclesService {
     ).catch(err => logger.error('Failed to log vehicle delete audit event', { error: err }));
   }
 
+  async getTCO(id: string, userId: string): Promise<TCOResponse> {
+    // Get vehicle and verify ownership
+    const vehicle = await this.repository.findById(id);
+    if (!vehicle) {
+      const err: any = new Error('Vehicle not found');
+      err.statusCode = 404;
+      throw err;
+    }
+    if (vehicle.userId !== userId) {
+      const err: any = new Error('Unauthorized');
+      err.statusCode = 403;
+      throw err;
+    }
+
+    // Get user preferences for units
+    const userSettings = await UserSettingsService.getUserSettings(userId);
+    const distanceUnit = userSettings.unitSystem === 'metric' ? 'km' : 'mi';
+    const currencyCode = userSettings.currencyCode || 'USD';
+
+    // Get fuel costs from fuel-logs service
+    const fuelLogsRepository = new FuelLogsRepository(this.pool);
+    const fuelLogsService = new FuelLogsService(fuelLogsRepository);
+    let fuelCosts = 0;
+    try {
+      const fuelStats = await fuelLogsService.getVehicleStats(id, userId);
+      fuelCosts = fuelStats.totalCost || 0;
+    } catch {
+      // Vehicle may have no fuel logs
+      fuelCosts = 0;
+    }
+
+    // Get maintenance costs from maintenance service
+    const maintenanceService = new MaintenanceService();
+    let maintenanceCosts = 0;
+    try {
+      const maintenanceStats = await maintenanceService.getVehicleMaintenanceCosts(id, userId);
+      maintenanceCosts = maintenanceStats.totalCost || 0;
+    } catch {
+      // Vehicle may have no maintenance records
+      maintenanceCosts = 0;
+    }
+
+    // Get fixed costs from vehicle record
+    const purchasePrice = vehicle.purchasePrice || 0;
+
+    // Normalize recurring costs based on purchase date
+    const insuranceCosts = this.normalizeRecurringCost(
+      vehicle.insuranceCost,
+      vehicle.insuranceInterval,
+      vehicle.purchaseDate
+    );
+    const registrationCosts = this.normalizeRecurringCost(
+      vehicle.registrationCost,
+      vehicle.registrationInterval,
+      vehicle.purchaseDate
+    );
+
+    // Calculate lifetime total
+    const lifetimeTotal = purchasePrice + insuranceCosts + registrationCosts + fuelCosts + maintenanceCosts;
+
+    // Calculate cost per distance
+    const odometerReading = vehicle.odometerReading || 0;
+    const costPerDistance = odometerReading > 0 ? lifetimeTotal / odometerReading : 0;
+
+    return {
+      vehicleId: id,
+      purchasePrice,
+      insuranceCosts,
+      registrationCosts,
+      fuelCosts,
+      maintenanceCosts,
+      lifetimeTotal,
+      costPerDistance,
+      distanceUnit,
+      currencyCode
+    };
+  }
+
+  private normalizeRecurringCost(
+    cost: number | null | undefined,
+    interval: CostInterval | null | undefined,
+    purchaseDate: string | null | undefined
+  ): number {
+    if (!cost || !interval || !purchaseDate) return 0;
+
+    const monthsOwned = Math.max(1, this.calculateMonthsOwned(purchaseDate));
+    const paymentsPerYear = PAYMENTS_PER_YEAR[interval];
+    if (!paymentsPerYear) {
+      throw new Error(`Invalid cost interval: ${interval}`);
+    }
+    const totalPayments = (monthsOwned / 12) * paymentsPerYear;
+    return cost * totalPayments;
+  }
+
+  private calculateMonthsOwned(purchaseDate: string): number {
+    const purchase = new Date(purchaseDate);
+    const now = new Date();
+    const yearDiff = now.getFullYear() - purchase.getFullYear();
+    const monthDiff = now.getMonth() - purchase.getMonth();
+    return yearDiff * 12 + monthDiff;
+  }
+
   async getVehicleRaw(id: string, userId: string): Promise<Vehicle | null> {
     const vehicle = await this.repository.findById(id);
     if (!vehicle || vehicle.userId !== userId) {