Transaction Categorization & Anomaly Gate

FLAG is a structural fault — dispositive. A row gets FLAG (and holds the batch) when it has an unparseable date, a non-numeric amount, no matching category rule, or is an exact duplicate of an earlier row. These are rows you genuinely cannot post as-is. REVIEW is a graduated signal — informational. A row gets REVIEW when an amount is a statistical outlier versus its own category peers (leave-one-out, more than 3 standard deviations, with at least three peers), it's a possible near-duplicate, or its date is outside the window. A REVIEW row is usually fine once a human confirms it — a real one-off large purchase, say — so it never blocks the batch on its own.

No AI. You write a keyword-to-category table — for example “aws → Software”, “uber → Travel” — and the kit applies it deterministically: the first rule whose keyword appears in the description wins, so put specific keywords above general ones. A row no rule matches is left uncategorized and FLAGGED, by design — the kit would rather hold a row it can't classify than guess. The same feed and the same rules always produce the same result, which is what makes it safe to rerun and defensible at close. Nothing is uploaded and no model is called.

Each row scores 0–100 on four weighted levers: categorized (50), amount is numeric (25), date is in range (15), and not a duplicate (10). A row is CLEAN at 80 or above with no fault, REVIEW on any graduated signal (or a score below 80), and FLAG on any structural fault. The batch is HOLD if any row is a structural failure or the clean-rate falls below 50, POST READY if every row is CLEAN and the clean-rate is at least 80, and REVIEW ROWS otherwise. Fix-first points at the earliest structural row, or the lowest-scoring non-CLEAN row if there are none.

No. It's a pre-posting screen, not a bookkeeping engine — it never posts an entry, moves money, edits your ledger, or writes back anywhere. It reads the feed you paste (date, description, amount) against the rules you write, scores each row, and tells you which rows you can't post yet and why, plus the row to fix first. You decide what to post and keep ownership of every number. The whole thing is one deterministic .xlsx with Start Here, Dashboard, and Transaction Screen tabs — it opens in Excel, Google Sheets, or Numbers, runs offline, and never uploads anything.

No. It screens a transaction file's structure and consistency before you post it — it asserts nothing about whether a categorization is correct for tax or accounting purposes, and it never scores or ranks people. Confirm any treatment that matters with your bookkeeper, accountant, or tax advisor. It pairs with the Two-List Reconciliation Kit (reconcile the clean feed against your ledger), the Finance & Reporting Automation Kit (a self-checking close), and the Accounts Receivable Recovery Kit (work the other side of the ledger).