Changelog¶

v0.4.0 — Correctness Hardening¶

Released: May 2026

Focus: debt amortization correctness and test infrastructure.

Fixed intra-account APR ordering in debt amortization — debt balances within a single account are now correctly ordered by APR when applying the avalanche method. Previously, sub-balances on the same account could be processed in incorrect order.
Fixed mid-month payoff cascade — when a debt is paid off mid-month, freed minimum payments now correctly flow to the next debt in the plan. The snowball flow accumulator was not resetting correctly after payoff.
Fixed snowball freed_minimums accumulator — the accumulator that tracks freed minimum payments from paid-off debts was not carrying forward correctly across multiple payoff events in the same plan run.

Added 33 new property-based and integration tests covering debt amortization edge cases
Test suite now completes in under 3 minutes (session-scoped testcontainers, 3-way CI parallelism)

Released: May 2026

Migrated to session-scoped testcontainers — one Postgres instance per test session instead of one per test, significantly reducing test runtime
3-way CI test parallelism via pytest-xdist
Fixed admin bootstrap flow: admin users with no household were incorrectly sent to the /waiting queue instead of /admin

Released: May 2026

All-in-one Docker image (ghcr.io/justin-cagle/wdiag-aio) — single docker run command to a fully working instance. Bundles Postgres, Redis, Caddy, the app, and both worker pools under supervisord.
GitHub Release automation — releases are created automatically on version tags via GitHub Actions, including AIO and production image builds.
Demo mode indicator — AIO instances show a banner on the login page with the default credentials.

Fixed admin bootstrap flow: users created via bootstrap env vars were being redirected to /waiting instead of /admin in some cases.

Released: May 2026

All backend domain modules complete and tested:

Accounts — all types, account groups, debt account annotation, balance history
Transactions — full lifecycle, splits, transfer pairing, refund pairing, deduplication, payment groups
Classification — rules engine with conditions/actions/priority, income sources, paycheck split-deposit detection
Budgets — all six methods, rollover policies, versioning, income strategies
Debts — avalanche/snowball/custom plans, amortization, comparison view
Goals — all eight goal types, burn-up tracking, completion policies, per-member attribution
Recurrences — detected and declared, exceptions (skip/amount/date shift), deviation alerts
Calendar — unified timeline, pay period view, breach warnings
Projections — day-by-day simulation, scenarios/what-if, breach events, caching
AI insights — all five providers, five privacy levels, token/cost budgets, Q&A, anomaly detection
Ingest — SimpleFIN (full sync management, rate limiting, account mapping), OFX/CSV file import
Invitations — full email delivery, link-only fallback, 72-hour expiry, resend, revoke
Admin panel — registration control, user management, SMTP, backup, emergency read-only mode
FX / multi-currency — Frankfurter rate fetching, per-transaction FX snapshot, home currency aggregation

Full React + TypeScript frontend with all features wired up.

Released: April 2026

Released: March 2026