Features Overview

How the pieces connect

WDIAG is built around a central data flow. Every feature either puts data in, makes sense of it, or projects it forward.

Bank / File Import
       │
       ▼
   Ingest Layer
  (SimpleFIN, OFX, CSV)
       │
       ▼
  Transactions
  (deduplicated, state-tracked)
       │
       ▼
  Classification
  (type detection → income sources → rules → fallback)
       │
       ├──► Budgets (spending tracked by category)
       │
       ├──► Goals (progress toward targets)
       │
       ├──► Debt Plans (payoff scheduling)
       │
       ├──► Recurrences (pattern detection)
       │         │
       │         ▼
       └──► Projections (day-by-day simulation)
                 │
                 ▼
             Calendar
          (unified timeline)
                 │
                 ▼
           AI Insights
       (patterns, anomalies, Q&A)

What each feature does

Feature	What it does
Accounts	Tracks every financial account. Synced via SimpleFIN or managed manually. Supports bank accounts, credit cards, investments, and assets like real estate or vehicles.
Transactions	The raw data — every money movement. WDIAG tracks state (pending → posted → reconciled), allows splitting across categories, pairs transfers and refunds, and deduplicates overlapping imports.
Classification	The rules engine that automatically categorizes transactions as they arrive. You define the rules; the engine runs deterministically every time.
Recurrences	Detected from patterns in your transaction history (Netflix, rent, salary). Feed into the calendar and projections so future events are visible before they happen.
Budgets	Plans for how to allocate your money each period. Six methods available. Multiple budgets per household are supported.
Debts	Tracks loans and credit cards with APRs. Generates a payoff schedule using avalanche, snowball, or custom priority. Shows total interest paid and time to debt-free.
Goals	Eight goal types — from saving for a purchase to maintaining a minimum balance. Burn-up chart tracks your actual pace vs. what's needed to hit the target on time.
Calendar	Unified timeline showing posted transactions, projected future events, budget period boundaries, goal milestones, and debt due dates.
Projections	Day-by-day simulation of your financial future based on your balances, recurrences, and plans. Balance curves, net worth trajectory, breach warnings.
AI Insights	Optional layer that observes your data and surfaces anomalies, patterns, and answers to natural language questions. Works with local or cloud AI providers.

The HITL queue

Throughout WDIAG, you will encounter the HITL queue (Human-In-The-Loop). This is the inbox for all decisions that the app detected but needs your confirmation on:

• A possible recurring transaction detected
• A possible duplicate transaction from overlapping imports
• A possible transfer pair between two accounts
• A possible refund match
• A classification suggestion (if rules are in "suggest" mode)

The philosophy is: WDIAG observes and proposes; you decide. Nothing is automatically applied without your sign-off unless you explicitly enable auto-apply for a specific suggestion type.