Doctor

Open More → Doctor to find journal and valuation problems that affect Paisa's reports. It checks posting directions, prices, allocation configuration, investment reconciliation, and whether Scenario Planning has enough history.

Doctor is read-only. It links to records that need attention but never changes the journal or creates balancing entries.

For example, Doctor may report that the latest price for NIFTY is 12 days old. The finding explains that portfolio and net-worth values may be stale and links you to the prices that need attention.

Checks

Doctor runs these checks:

Check	Category	Code	Severity when Found
Asset balance integrity	Ledger	negative_asset_balance	Danger
Posting direction	Ledger	invalid_income_direction, invalid_expense_direction	Danger
Exchange-price coverage	Valuation	missing_exchange_price	Danger
Journal-price consistency	Valuation	journal_price_mismatch	Warning
Allocation configuration	Allocation	allocation_target_missing_account	Warning
Current valuation quality	Valuation	valuation_fallback	Warning
Current FY valuation quality	Valuation	valuation_fallback	Warning
Investment attribution	Investments	unattributed_investment_income	Warning
Current FY reconciliation	Investments	investment_performance_reconciliation_failed	Danger
Scenario history readiness	History	insufficient_income_history, insufficient_expense_history, insufficient_contribution_history, no_investment_activity	Info / Warning
Scenario checking readiness	Configuration	no_checking_account	Warning

Check results

Every diagnostic check reports both its execution health and its finding status:

• passed: The check completed successfully and found zero data quality issues.
• issues: The check completed successfully and identified one or more data quality issues (with maxSeverity indicating danger, warning, or info).
• failed: Doctor encountered an unexpected execution error while running the check. A check failure is reported explicitly so data is never falsely claimed as healthy.

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Severity

• Danger: An accounting violation or missing exchange rate can invalidate a balance or report.
• Warning: Paisa can continue, but a fallback or incomplete configuration makes a result partial or estimated.
• Info: A useful note, such as limited scenario history, that does not mean the journal is wrong.

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Valuation checks

Doctor verifies commodity valuation using the same valuation logic as Investment Performance and Net Worth:

1. Market price: Direct quote from external market sources or commodity price database.
2. Trade fallback: Unit price derived from historical buy/sell transactions.
3. Cost fallback: Acquisition cost from the original purchase.

When market quotes are unavailable, Paisa falls back to historical trade or cost pricing, resulting in a valuation_fallback issue.

Date range

Doctor evaluates valuation quality across two specific boundary contexts:

• Current portfolio valuation: The as-of valuation used by Net Worth and Scenario Planning.
• Default Investment Performance period: Opening and closing/as-of boundaries for the Current Financial Year (current_fy).

Passing the current FY valuation check verifies the default performance view; it does not imply that every historical custom period has full market quote coverage.

Doctor also checks for journal price mismatches, flagging when a transaction's explicit unit price differs by more than 5% from the market price recorded on the same date.

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Investment income and reconciliation

Income Attribution

Dividends and interest postings in investment accounts should be linked to specific investment commodities. Postings grouped under income that cannot be attributed to a specific asset holding emit unattributed_investment_income. This ensures return calculations accurately credit cash flows to the securities that generated them.

Portfolio Reconciliation

Doctor verifies the fundamental accounting identity on the entire investment universe (Assets:* excluding checking) across the current financial year: $$\text{Closing Value} = \text{Opening Value} + \text{Net Contributions} + \text{Investment Return}$$

If this identity fails to hold within rounding tolerance, or if performance decomposition fails to reconcile, Doctor emits investment_performance_reconciliation_failed (Danger).

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Scenario readiness

Scenario Planning calculates recurring baseline medians from up to six completed historical months:

• 1–5 completed months: Emits insufficient_income_history, insufficient_expense_history, or insufficient_contribution_history with severity Info. The baseline is usable, but based on less historical data than usual.
• 0 completed months: If an assumption has zero historical samples, Scenario Planning cannot project that component. The issue severity escalates to Warning.
• First-Time Investors (no_investment_activity): If no investment activity exists in the ledger, Scenario Planning cleanly treats opening investments and monthly investment transfers as ₹0. Doctor emits an Info note explaining this baseline behavior and intentionally suppresses contribution history warnings.
• Checking Account (no_checking_account): Scenario Planning derives its liquid cash baseline from Assets:Checking. If missing, Doctor emits a Warning.

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Privacy and safety

• Privacy Mode: When privacy mode is enabled in Paisa, Doctor masks all account balances, transaction quantities, and currency amounts across summaries, issue details, and metadata attributes.
• Direct Navigation: Every issue provides direct navigation links (e.g. Review Prices →, Review Allocation →, Open Transaction →) to view or edit the affected records in Paisa.
• No Automatic Modifications: Doctor does not delete duplicate postings, alter prices, or create balancing transactions. Users retain complete control over ledger edits.