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WDIAG — Where Did It All Go

Your household finances, on your server, under your control.

WDIAG is a self-hosted personal finance application for households that want a complete picture of their money without sending their data to a third party. You run it on your own hardware or VPS. Your transactions, budgets, goals, and debt plans stay in your database — not on someone else's servers, not sold to advertisers, not used to train models.

Who it's for

WDIAG is built for households — single people, couples, and families — who want:

  • Privacy. Your financial data is yours. Nothing leaves your server unless you explicitly configure it to.
  • Control. Self-hosted means you decide when to upgrade, how to back up, and who has access.
  • Household awareness. Budgets, goals, and visibility work across multiple people sharing finances, with fine-grained control over who sees what.
  • Local AI option. Get intelligent insights and Q&A against your own data using a local model — no cloud API required.

How WDIAG is different

WDIAG YNAB / Monarch / Copilot
Self-hosted Yes No
Data ownership You own it They own it
Ads or data selling Never Varies
Multi-person households Built-in Limited
Local AI Supported No
Open source Yes No

Three ways to start

  • Demo — one command, running in 60 seconds

    docker run -p 80:80 -p 443:443 \
  ghcr.io/justin-cagle/wdiag-aio:latest

    Quick Start guide

  • Production — full docker-compose stack with Postgres, Redis, and Caddy

    Persistent, multi-user, ready for real use.

    Installation guide

  • Contribute — the codebase is open

    Python + FastAPI backend, React + TypeScript frontend.

    GitHub

Feature highlights

Feature What it does
Accounts Track every account — bank, credit card, investment, cash, real estate, crypto. Manual or synced via SimpleFIN.
Transactions Full lifecycle: pending → posted → reconciled. Splits, transfer pairing, refund matching, deduplication.
Budgets Six methods including zero-based, envelope, 50/30/20, and rolling average. Per-line rollover policies.
Debt Plans Avalanche, snowball, or custom payoff strategy. Amortization schedule, interest savings, snowball flow.
Goals Eight goal types. Burn-up tracking, completion policies, per-member contribution logging.
Calendar Unified view of transactions, projected events, budget periods, goal milestones, and debt due dates.
Projections Day-by-day simulation up to 60 months out. Balance curves, net worth trajectory, breach warnings.
AI Insights Ask questions about your spending. Anomaly detection and pattern surfacing. Local or cloud providers.
Multi-currency Full FX support. Native currency display, home currency aggregation, historical rates via Frankfurter.
Classification Categories, tags, and a rules engine that automatically categorizes transactions as they arrive.
Recurrences Detected and declared recurring transactions feed the calendar and projection engine automatically.
Households Four visibility modes for shared finances. Role-based access, invitation flow, per-member attribution.

Current version

WDIAG is in active development, currently at v0.4.0. The full feature set is implemented; the project is pre-1.0 and under active hardening. Breaking changes are communicated in the changelog.

Pre-1.0 stability

All core features work. The API is not yet considered stable — endpoints may change between minor versions before 1.0. Pin your Docker image tag if stability matters.