feat(insights): analytics drill-down, fee tracking, and category improvements

- Monthly spend chart with category breakdown drill-down
- Merchant frequency and spend analytics with per-merchant history
- Subscription detection and recurring charge tracking
- Fee and interest analytics endpoint
- Expanded category list with formatCategory display helper

src/app/api/analytics/fees/route.ts

@@ -42,10 +42,12 @@ export async function GET(req: NextRequest) {
       t.transaction_type,
       CASE
         WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
+        WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
         ELSE COALESCE(t.amount_aud, t.amount)
       END::numeric(12,2) AS my_amount,
       s.bank_name
     FROM transactions t
+    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
     LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
     JOIN statements s ON s.id = t.statement_id
     WHERE s.owner_id = $1

src/app/api/analytics/merchants/[merchant]/route.ts

@@ -32,9 +32,9 @@ export async function GET(
       t.amount_aud,
       CASE
         WHEN t.transaction_type IN ('refund', 'credit') THEN
-          -(CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
+          -(CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
         ELSE
-          (CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
+          (CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
       END::numeric(10,2) as my_amount,
       t.transaction_type,
       COALESCE(o.category_override, t.category) as category,

src/app/api/analytics/merchants/route.ts

@@ -3,12 +3,11 @@ import { getCurrentUser } from "@/lib/auth";
 import { queryRaw } from "@/lib/db";
 
 // Split-adjusted amount helper (positive for spend, negative for refunds)
+const MY_AMOUNT = `CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END`;
 const SPEND_EXPR = `
   CASE
-    WHEN t.transaction_type IN ('refund', 'credit') THEN
+    WHEN t.transaction_type IN ('refund', 'credit') THEN -(${MY_AMOUNT})
-      -(CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
+    ELSE (${MY_AMOUNT})
-    ELSE
-      (CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
   END
 `;
 
@@ -44,18 +43,18 @@ export async function GET(req: NextRequest) {
       COUNT(*) FILTER (WHERE t.transaction_type IN ('refund', 'credit'))::int as refund_count,
       COALESCE(SUM(
         CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN
-          CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END
+          ${MY_AMOUNT}
         ELSE 0 END
       ), 0)::numeric(12,2) as gross_spend,
       COALESCE(SUM(
         CASE WHEN t.transaction_type IN ('refund', 'credit') THEN
-          CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END
+          ${MY_AMOUNT}
         ELSE 0 END
       ), 0)::numeric(12,2) as total_refunds,
       SUM(${SPEND_EXPR})::numeric(12,2) as net_spend,
       AVG(
         CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN
-          CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END
+          ${MY_AMOUNT}
         END
       )::numeric(10,2) as avg_debit,
       MIN(t.transaction_date)::text as first_seen,

src/app/api/analytics/monthly/route.ts

@@ -29,6 +29,7 @@ export async function GET(req: NextRequest) {
       SUM(
         CASE
           WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
+          WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
           ELSE COALESCE(t.amount_aud, t.amount)
         END
       )::numeric(12,2) as total_spent,

src/app/api/analytics/subscriptions/route.ts

@@ -24,6 +24,7 @@ export async function GET(req: NextRequest) {
         t.transaction_date,
         CASE
           WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100
+          WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
           ELSE COALESCE(t.amount_aud, t.amount)
         END AS my_amount
       FROM transactions t

src/app/api/merchants/route.ts

@@ -7,7 +7,7 @@ export async function GET(req: NextRequest) {
 
   if (type === "banks") {
     const banks = await getBankNames();
-    return NextResponse.json(banks.map((b) => b.bank_name));
+    return NextResponse.json(banks);
   }
 
   if (!search) return NextResponse.json([]);

src/app/insights/page.tsx

@@ -1,17 +1,21 @@
 "use client";
 
-import { useMemo } from "react";
+import { useMemo, useState } from "react";
 import {
-  ComposedChart, Bar, Line, XAxis, YAxis, Tooltip, ResponsiveContainer, Cell, Legend,
+  ComposedChart, Bar, Line, XAxis, YAxis, Tooltip, ResponsiveContainer,
 } from "recharts";
-import { useMonthlyAnalytics, useSubscriptions, useFees } from "@/lib/hooks";
+import { useMonthlyAnalytics, useSubscriptions, useFees, useTransactions, useUpdateTransaction } from "@/lib/hooks";
-import { formatCategory } from "@/lib/categories";
+import { CATEGORIES, REGULAR_CATEGORIES, formatCategory } from "@/lib/categories";
 
-const COMMITTED_CATEGORIES = new Set(["rent", "utilities", "insurance", "subscriptions"]);
+const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
 
 function fmt(n: number) {
   return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", maximumFractionDigits: 0 }).format(n);
 }
+function fmtTx(amount: number, type: string) {
+  const formatted = new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", minimumFractionDigits: 2 }).format(amount);
+  return SPEND_TYPES.has(type) ? formatted : `+${formatted}`;
+}
 function fmtExact(n: number) {
   return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", minimumFractionDigits: 2 }).format(n);
 }
@@ -46,16 +50,234 @@ function Section({ title, children }: { title: string; children: React.ReactNode
 }
 
 // ─── Custom tooltip ──────────────────────────────────────────────────
-function CommittedTooltip({ active, payload, label }: any) {
+function RegularTooltip({ active, payload, label }: any) {
   if (!active || !payload?.length) return null;
-  const committed = payload.find((p: any) => p.dataKey === "committed")?.value ?? 0;
+  const regular = payload.find((p: any) => p.dataKey === "regular")?.value ?? 0;
-  const discretionary = payload.find((p: any) => p.dataKey === "discretionary")?.value ?? 0;
+  const occasional = payload.find((p: any) => p.dataKey === "occasional")?.value ?? 0;
   return (
     <div className="bg-zinc-900 border border-zinc-700 rounded px-3 py-2 text-xs space-y-1">
       <div className="font-medium text-zinc-300 mb-1">{label}</div>
-      <div className="flex justify-between gap-4"><span className="text-indigo-400">Committed</span><span>{fmt(committed)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-indigo-400">Regular</span><span>{fmt(regular)}</span></div>
-      <div className="flex justify-between gap-4"><span className="text-zinc-400">Discretionary</span><span>{fmt(discretionary)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Occasional</span><span>{fmt(occasional)}</span></div>
-      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span>{fmt(committed + discretionary)}</span></div>
+      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span>{fmt(regular + occasional)}</span></div>
+    </div>
+  );
+}
+
+// ─── Drill-down row ──────────────────────────────────────────────────
+function DrillDownRow({
+  category,
+  from,
+  to,
+}: {
+  category: string;
+  from: string;
+  to: string;
+}) {
+  const { data, isLoading } = useTransactions({ category, from, to, limit: 200 });
+  const updateTx = useUpdateTransaction();
+
+  if (isLoading) {
+    return (
+      <tr>
+        <td colSpan={2} className="px-4 py-3 text-xs text-zinc-500">Loading...</td>
+      </tr>
+    );
+  }
+
+  const txns = data?.data ?? [];
+
+  return (
+    <tr>
+      <td colSpan={2} className="px-0 py-0">
+        <div className="bg-zinc-950 border-t border-zinc-800/50">
+          {txns.length === 0 ? (
+            <p className="px-6 py-3 text-xs text-zinc-600">No transactions found.</p>
+          ) : (
+            <table className="w-full text-xs">
+              <thead>
+                <tr className="border-b border-zinc-800">
+                  <th className="text-left px-6 py-2 text-zinc-600 font-medium">Date</th>
+                  <th className="text-left px-4 py-2 text-zinc-600 font-medium">Merchant</th>
+                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">My share</th>
+                  <th className="text-left px-4 py-2 text-zinc-600 font-medium">Category</th>
+                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">% mine</th>
+                </tr>
+              </thead>
+              <tbody>
+                {txns.map((t) => {
+                  const sharePct = t.my_share_percent ?? 100;
+                  const effectiveAmt = t.amount * sharePct / 100;
+                  const isDebit = SPEND_TYPES.has(t.transaction_type);
+                  return (
+                  <tr key={t.id} className="border-b border-zinc-800/30 hover:bg-zinc-900/30">
+                    <td className="px-6 py-2 text-zinc-500 whitespace-nowrap">
+                      {new Date(t.transaction_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short" })}
+                    </td>
+                    <td className="px-4 py-2 text-zinc-300">{t.merchant_name || t.description}</td>
+                    <td className={`px-4 py-2 text-right tabular-nums ${isDebit ? "text-zinc-200" : "text-green-400"}`}>
+                      {fmtTx(effectiveAmt, t.transaction_type)}
+                      {sharePct < 100 && (
+                        <span className="text-zinc-600 ml-1 line-through">{fmtExact(t.amount)}</span>
+                      )}
+                    </td>
+                    <td className="px-4 py-2">
+                      <select
+                        className="bg-zinc-800 border border-zinc-700 rounded px-2 py-0.5 text-xs text-zinc-300 focus:outline-none focus:border-indigo-500"
+                        defaultValue={t.effective_category ?? "other"}
+                        onChange={(e) => updateTx.mutate({ id: t.id, category: e.target.value })}
+                      >
+                        {CATEGORIES.map((c) => (
+                          <option key={c} value={c}>{formatCategory(c)}</option>
+                        ))}
+                      </select>
+                    </td>
+                    <td className="px-4 py-2 text-right">
+                      <select
+                        className="bg-zinc-800 border border-zinc-700 rounded px-2 py-0.5 text-xs text-zinc-300 focus:outline-none focus:border-indigo-500"
+                        defaultValue={t.my_share_percent ?? 100}
+                        onChange={(e) => {
+                          const val = Number(e.target.value);
+                          updateTx.mutate({ id: t.id, my_share_percent: val === 100 ? null : val });
+                        }}
+                      >
+                        <option value={100}>100%</option>
+                        <option value={75}>75%</option>
+                        <option value={67}>67%</option>
+                        <option value={50}>50%</option>
+                        <option value={33}>33%</option>
+                        <option value={25}>25%</option>
+                      </select>
+                    </td>
+                  </tr>
+                  );
+                })}
+              </tbody>
+            </table>
+          )}
+        </div>
+      </td>
+    </tr>
+  );
+}
+
+// ─── Monthly Spend Breakdown ─────────────────────────────────────────
+function MonthlyBreakdown({ analytics }: { analytics: NonNullable<ReturnType<typeof useMonthlyAnalytics>["data"]> }) {
+  // analytics.months is newest-first; show last 6
+  const months = useMemo(() => analytics.months.slice(0, 6), [analytics.months]);
+  const [selectedMonth, setSelectedMonth] = useState<string>(months[0] ?? "");
+  const [expandedCategory, setExpandedCategory] = useState<string | null>(null);
+
+  // Reset expanded when month changes
+  const handleSelectMonth = (m: string) => {
+    setSelectedMonth(m);
+    setExpandedCategory(null);
+  };
+
+  const from = selectedMonth + "-01";
+  const lastDay = new Date(parseInt(selectedMonth.slice(0, 4)), parseInt(selectedMonth.slice(5, 7)), 0).getDate();
+  const to = selectedMonth + "-" + String(lastDay).padStart(2, "0");
+
+  const categoryData = useMemo(() => {
+    return analytics.rows
+      .map((row) => ({ category: row.category, amount: Number(row.spent[selectedMonth] ?? 0) }))
+      .filter((r) => r.amount > 0)
+      .sort((a, b) => b.amount - a.amount);
+  }, [analytics.rows, selectedMonth]);
+
+  const regularRows = categoryData.filter((r) => REGULAR_CATEGORIES.has(r.category as any));
+  const occasionalRows = categoryData.filter((r) => !REGULAR_CATEGORIES.has(r.category as any));
+  const regularTotal = regularRows.reduce((s, r) => s + r.amount, 0);
+  const occasionalTotal = occasionalRows.reduce((s, r) => s + r.amount, 0);
+
+  function monthLabel(m: string) {
+    const [year, month] = m.split("-");
+    return new Date(parseInt(year), parseInt(month) - 1).toLocaleDateString("en-AU", { month: "short", year: "2-digit" });
+  }
+
+  function renderRows(rows: typeof categoryData, dotClass: string) {
+    return rows.map((row) => (
+      <>
+        <tr
+          key={row.category}
+          className="border-b border-zinc-800/50 hover:bg-zinc-800/20 cursor-pointer transition-colors"
+          onClick={() => setExpandedCategory(expandedCategory === row.category ? null : row.category)}
+        >
+          <td className="px-4 py-2.5">
+            <span className="flex items-center gap-2 text-sm text-zinc-300">
+              <span className={`w-2 h-2 rounded-full inline-block flex-shrink-0 ${dotClass}`} />
+              {formatCategory(row.category)}
+              <span className="text-zinc-600 text-xs">{expandedCategory === row.category ? "▲" : "▼"}</span>
+            </span>
+          </td>
+          <td className="px-4 py-2.5 text-right tabular-nums text-sm text-zinc-200">{fmt(row.amount)}</td>
+        </tr>
+        {expandedCategory === row.category && (
+          <DrillDownRow
+            key={`${row.category}-drill`}
+            category={row.category}
+            from={from}
+            to={to}
+          />
+        )}
+      </>
+    ));
+  }
+
+  return (
+    <div>
+      {/* Month tabs */}
+      <div className="flex gap-1 mb-3 flex-wrap">
+        {months.map((m) => (
+          <button
+            key={m}
+            onClick={() => handleSelectMonth(m)}
+            className={`px-3 py-1.5 rounded-md text-xs font-medium transition-colors ${
+              m === selectedMonth
+                ? "bg-indigo-600 text-white"
+                : "bg-zinc-800 text-zinc-400 hover:bg-zinc-700 hover:text-zinc-200"
+            }`}
+          >
+            {monthLabel(m)}
+          </button>
+        ))}
+      </div>
+
+      <div className="border border-zinc-700 rounded-xl overflow-hidden">
+        <table className="w-full text-sm">
+          <thead>
+            <tr className="border-b border-zinc-800 bg-zinc-900">
+              <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Category</th>
+              <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Spend</th>
+            </tr>
+          </thead>
+          <tbody>
+            {regularRows.length > 0 && (
+              <>
+                <tr className="bg-zinc-900/30">
+                  <td className="px-4 py-1.5 text-xs text-indigo-400 font-medium tracking-wide uppercase">Regular</td>
+                  <td className="px-4 py-1.5 text-right text-xs text-indigo-400 font-medium">{fmt(regularTotal)}</td>
+                </tr>
+                {renderRows(regularRows, "bg-indigo-500")}
+              </>
+            )}
+            {occasionalRows.length > 0 && (
+              <>
+                <tr className="bg-zinc-900/30">
+                  <td className="px-4 py-1.5 text-xs text-zinc-500 font-medium tracking-wide uppercase">Occasional</td>
+                  <td className="px-4 py-1.5 text-right text-xs text-zinc-500 font-medium">{fmt(occasionalTotal)}</td>
+                </tr>
+                {renderRows(occasionalRows, "bg-zinc-500")}
+              </>
+            )}
+            {categoryData.length === 0 && (
+              <tr>
+                <td colSpan={2} className="px-4 py-6 text-center text-xs text-zinc-600">No spend data for this month.</td>
+              </tr>
+            )}
+          </tbody>
+        </table>
+      </div>
     </div>
   );
 }
@@ -63,35 +285,36 @@ function CommittedTooltip({ active, payload, label }: any) {
 // ─── Main page ────────────────────────────────────────────────────────
 export default function InsightsPage() {
   const { data: analytics } = useMonthlyAnalytics(12);
+  const { data: analytics6 } = useMonthlyAnalytics(6);
   const { data: subData } = useSubscriptions();
   const { data: feesData } = useFees();
 
-  // Build committed/discretionary chart data
+  // Build regular/occasional chart data
   const chartData = useMemo(() => {
     if (!analytics) return [];
     return [...analytics.months].reverse().map((month) => {
-      let committed = 0;
+      let regular = 0;
-      let discretionary = 0;
+      let occasional = 0;
       for (const row of analytics.rows) {
         const spend = Number(row.spent[month] ?? 0);
-        if (COMMITTED_CATEGORIES.has(row.category)) committed += spend;
+        if (REGULAR_CATEGORIES.has(row.category as any)) regular += spend;
-        else discretionary += spend;
+        else occasional += spend;
       }
       return {
         month: month.slice(5) + "/" + month.slice(2, 4),
-        committed: Math.round(committed),
+        regular: Math.round(regular),
-        discretionary: Math.round(discretionary),
+        occasional: Math.round(occasional),
-        total: Math.round(committed + discretionary),
+        total: Math.round(regular + occasional),
       };
     });
   }, [analytics]);
 
-  const committedValues = chartData.map((d) => d.committed);
+  const regularValues = chartData.map((d) => d.regular);
-  const committedTrend = trend(committedValues);
+  const regularTrend = trend(regularValues);
-  const avgCommitted = committedValues.length
+  const avgRegular = regularValues.length
-    ? Math.round(committedValues.reduce((a, b) => a + b, 0) / committedValues.length)
+    ? Math.round(regularValues.reduce((a, b) => a + b, 0) / regularValues.length)
     : 0;
-  const latestCommitted = committedValues[committedValues.length - 1] ?? 0;
+  const latestRegular = regularValues[regularValues.length - 1] ?? 0;
 
   const activeSubscriptions = subData?.subscriptions.filter((s) => s.is_active) ?? [];
   const inactiveSubscriptions = subData?.subscriptions.filter((s) => !s.is_active) ?? [];
@@ -100,21 +323,21 @@ export default function InsightsPage() {
     <div className="max-w-4xl">
       <h2 className="text-xl font-semibold mb-6">Insights</h2>
 
-      {/* ── 1. Committed vs Discretionary ── */}
+      {/* ── 1. Regular vs Occasional ── */}
-      <Section title="Committed vs Discretionary Spend">
+      <Section title="Regular vs Occasional Spend">
         <div className="grid grid-cols-3 gap-3 mb-4">
           <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">This month — committed floor</div>
+            <div className="text-xs text-zinc-500 mb-1">This month — regular spend</div>
-            <div className="text-xl font-semibold text-indigo-400">{fmt(latestCommitted)}</div>
+            <div className="text-xl font-semibold text-indigo-400">{fmt(latestRegular)}</div>
           </div>
           <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
-            <div className="text-xs text-zinc-500 mb-1">12-month avg committed</div>
+            <div className="text-xs text-zinc-500 mb-1">12-month avg regular</div>
-            <div className="text-xl font-semibold text-zinc-200">{fmt(avgCommitted)}</div>
+            <div className="text-xl font-semibold text-zinc-200">{fmt(avgRegular)}</div>
           </div>
           <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
             <div className="text-xs text-zinc-500 mb-1">Trend (first 3 vs last 3 mo)</div>
-            <div className={`text-xl font-semibold ${committedTrend.dir === "up" ? "text-red-400" : committedTrend.dir === "down" ? "text-green-400" : "text-zinc-400"}`}>
+            <div className={`text-xl font-semibold ${regularTrend.dir === "up" ? "text-red-400" : regularTrend.dir === "down" ? "text-green-400" : "text-zinc-400"}`}>
-              {committedTrend.dir === "up" ? "↑" : committedTrend.dir === "down" ? "↓" : "→"} {committedTrend.pct}%
+              {regularTrend.dir === "up" ? "↑" : regularTrend.dir === "down" ? "↓" : "→"} {regularTrend.pct}%
             </div>
           </div>
         </div>
@@ -123,20 +346,29 @@ export default function InsightsPage() {
             <ComposedChart data={chartData} margin={{ top: 4, right: 8, left: 0, bottom: 0 }}>
               <XAxis dataKey="month" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} />
               <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(0)}k`} width={44} />
-              <Tooltip content={<CommittedTooltip />} />
+              <Tooltip content={<RegularTooltip />} />
-              <Bar dataKey="committed" stackId="a" fill="#6366f1" name="Committed" radius={[0, 0, 0, 0]} />
+              <Bar dataKey="regular" stackId="a" fill="#6366f1" name="Regular" radius={[0, 0, 0, 0]} />
-              <Bar dataKey="discretionary" stackId="a" fill="#3f3f46" name="Discretionary" radius={[3, 3, 0, 0]} />
+              <Bar dataKey="occasional" stackId="a" fill="#3f3f46" name="Occasional" radius={[3, 3, 0, 0]} />
-              <Line type="monotone" dataKey="committed" stroke="#818cf8" strokeWidth={2} dot={false} strokeDasharray="4 2" />
+              <Line type="monotone" dataKey="regular" stroke="#818cf8" strokeWidth={2} dot={false} strokeDasharray="4 2" />
             </ComposedChart>
           </ResponsiveContainer>
           <div className="flex gap-4 mt-2 justify-end">
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-indigo-500 inline-block" />Committed (rent, utilities, insurance, subscriptions)</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-indigo-500 inline-block" />Regular (groceries, dining, transport…)</span>
-            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Discretionary</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Occasional</span>
           </div>
         </div>
       </Section>
 
-      {/* ── 2. Recurring Charges ── */}
+      {/* ── 2. Monthly Spend Breakdown ── */}
+      <Section title="Monthly Spend Breakdown">
+        {!analytics6 ? (
+          <p className="text-zinc-500 text-sm">Loading...</p>
+        ) : (
+          <MonthlyBreakdown analytics={analytics6} />
+        )}
+      </Section>
+
+      {/* ── 3. Recurring Charges ── */}
       <Section title="Recurring Charges">
         {!subData ? (
           <p className="text-zinc-500 text-sm">Loading...</p>
@@ -186,7 +418,7 @@ export default function InsightsPage() {
         )}
       </Section>
 
-      {/* ── 3. Fees & Interest ── */}
+      {/* ── 4. Fees & Interest ── */}
       <Section title="Fees & Interest">
         {!feesData ? (
           <p className="text-zinc-500 text-sm">Loading...</p>

src/lib/categories.ts

@@ -1,3 +1,9 @@
+export const REGULAR_CATEGORIES = new Set([
+  "rent", "utilities", "insurance", "subscriptions",
+  "groceries", "dining", "transport", "fuel",
+  "health", "personal_care", "government", "charity", "pets",
+] as const);
+
 export const CATEGORIES = [
   "groceries",
   "dining",