fix(rules): save-as-rule uses full merchant name with equals, not first description word

feat(splits): save split as rule from split modal
- Checkbox in split modal: 'Also save as rule for <merchant>' - Creates a rule with apply_split action storing the participant shares - Rules engine now handles apply_split: deletes existing splits and re-applies - Bulk split mode hides the checkbox (rule wouldn't make sense for ad-hoc bulk)
2026-03-11 12:46:16 +11:00 · 2026-03-11 12:40:03 +11:00 · 2026-03-11 12:05:35 +11:00 · 2026-03-10 00:43:58 +11:00 · 2026-03-10 00:24:42 +11:00 · 2026-03-10 00:05:48 +11:00
35 changed files with 3894 additions and 101 deletions
@@ -1,36 +1,305 @@
-This is a [Next.js](https://nextjs.org) project bootstrapped with [`create-next-app`](https://nextjs.org/docs/app/api-reference/cli/create-next-app).
+# Finance App

-## Getting Started
+Personal finance tracker built on Next.js 16 (App Router), PostgreSQL, and Prisma. Bank statements are ingested automatically from Paperless-NGX via an N8N workflow that uses Gemini to extract structured data from PDF statements.

-First, run the development server:
+## Stack

-```bash
-npm run dev
-# or
-yarn dev
-# or
-pnpm dev
-# or
-bun dev
+- **Frontend**: Next.js 16 App Router, TypeScript, Tailwind CSS, Recharts
+- **Backend**: Next.js API routes, raw PostgreSQL via `pg` + `@prisma/adapter-pg`
+- **Database**: PostgreSQL (`postgres-personal` container)
+- **Auth**: `X-Forwarded-User` header (email) set by Traefik forward-auth → mapped to `participants.email`
+- **Ingestion**: N8N workflow → Gemini 2.5 Flash (PDF parsing) → PostgreSQL
+
+---
+
+## Data Model
+
+### `statements`
+The top-level document, one row per billing period per account.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `id` | int | Primary key |
+| `bank_name` | text | Normalised bank name (e.g. "American Express") |
+| `card_name` | text | Product name (e.g. "Rewards Travel Adventures") |
+| `account_number` | text | Account/card number (spaces stripped) |
+| `account_type` | text | Raw account type string from statement |
+| `statement_type` | text | Normalised type: `Credit Card`, `Business Card`, `multi-currency account`, etc. |
+| `account_holder_name` | text | Name on the account if extracted |
+| `billing_start_date` | date | Period start |
+| `billing_end_date` | date | Period end — used as the deduplication anchor |
+| `opening_balance` | numeric | Balance at start of period |
+| `closing_balance` | numeric | Balance at end of period |
+| `total_credits` | numeric | Sum of all credits in period |
+| `total_debits` | numeric | Sum of all debits in period |
+| `total_amount_due` | numeric | Amount due (credit cards) |
+| `minimum_amount_due` | numeric | Minimum payment due (credit cards) |
+| `payment_due_date` | date | Payment due date (credit cards) |
+| `credit_limit` | numeric | Credit limit (credit cards) |
+| `available_credit` | numeric | Available credit at statement date |
+| `interest_charged` | numeric | Interest charged this period (from statement summary) |
+| `fees_charged` | numeric | Fees charged this period (from statement summary) |
+| `currency` | text | Statement currency (e.g. `AUD`, `USD`) |
+| `exchange_rate_to_aud` | numeric | FX rate at ingestion time (live from open.er-api.com) |
+| `owner_id` | int FK → `participants` | Which person owns this statement |
+| `paperless_doc_id` | int | Paperless-NGX document ID — deduplication key |
+| `tier_used` | text | AI model used for extraction (e.g. `gemini-2.5-flash`) |
+| `event_created` | bool | Whether a Google Calendar reminder was created for payment due date |
+
+**Deduplication**: unique index on `(bank_name, account_number, billing_end_date)` prevents re-ingestion of the same period. `paperless_doc_id` has a separate unique index for Paperless-linked documents.
+
+**Credit card detection**: `statement_type ILIKE '%card%'`
+
+---
+
+### `transactions`
+One row per line item within a statement. Cascade-deleted when the parent statement is deleted.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `id` | int | Primary key |
+| `statement_id` | int FK → `statements` | Parent statement |
+| `transaction_date` | date | Date of transaction |
+| `description` | text | Raw description from the statement |
+| `amount` | numeric | Original amount in statement currency |
+| `amount_aud` | numeric | AUD-converted amount (= amount if already AUD) |
+| `transaction_type` | text | `debit`, `credit`, `payment`, `refund`, `fee`, `interest`, `transfer` |
+| `merchant_name` | text | Raw merchant name extracted by Gemini |
+| `merchant_normalized` | text | Cleaned/normalised merchant name (Gemini) |
+| `location` | text | Location if present on statement |
+| `foreign_currency_amount` | numeric | Original foreign amount if this was an FX transaction |
+| `foreign_currency_code` | text | Foreign currency code (e.g. `USD`) |
+| `category` | text | AI-assigned category (see category taxonomy below) |
+| `row_index` | int | Position in statement — used for deduplication |
+
+**Deduplication**: unique index on `(statement_id, transaction_date, description, amount, row_index)`.
+
+**Analytics**: all spend queries use `amount_aud` for cross-currency consistency. Split-adjusted queries apply `amount_aud * share_percent / 100` where a split exists for the current user.
+
+---
+
+### `transaction_overrides`
+User corrections to AI-extracted data. Stored separately to preserve the original extraction.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `transaction_id` | int FK → `transactions` (unique) | One override per transaction |
+| `merchant_normalized` | text | User-corrected merchant name |
+| `category_override` | text | User-corrected category |
+| `notes` | text | Free-text notes |
+
+All analytics queries use `COALESCE(o.category_override, t.category)` and `COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name)` to prefer overrides over AI values.
+
+---
+
+### `transaction_splits`
+Shared expense tracking — records that a transaction was split between participants.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `transaction_id` | int FK → `transactions` | The transaction being split |
+| `participant_id` | int FK → `participants` | Who shares in this transaction |
+| `share_percent` | numeric(5,2) | Their percentage (1–100) |
+| `settled` | bool | Whether this share has been settled |
+| `settled_at` | timestamptz | When it was settled |
+
+A transaction can be split across multiple participants. The statement owner's own share is implicit (`100 - SUM(other shares)`). Analytics queries LEFT JOIN `transaction_splits` on `participant_id = current_user.id` — if no split row exists, the full amount belongs to the owner.
+
+---
+
+### `transaction_tags`
+Many-to-many join between transactions and tags.
+
+| Column | Type |
+|--------|------|
+| `transaction_id` | int FK → `transactions` |
+| `tag_id` | int FK → `tags` |
+
+---
+
+### `tags`
+User-defined coloured labels for ad-hoc transaction grouping beyond the fixed category taxonomy.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `id` | int | Primary key |
+| `name` | text (unique) | Tag name |
+| `color` | text | Hex colour (default `#6366f1`) |
+
+---
+
+### `participants`
+People who own statements or share expenses.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `id` | int | Primary key |
+| `name` | text (unique) | Display name |
+| `email` | text (unique) | Login identity — matched against `X-Forwarded-User` header |
+
+---
+
+### `account_owner_mappings`
+Persists `(bank, account_number) → owner` assignments so future ingestion auto-assigns the correct owner without manual intervention.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `bank_name` | text | |
+| `account_number` | text | |
+| `owner_id` | int FK → `participants` | |
+
+Written when a user reassigns a statement owner in the UI. Consulted by the N8N workflow on every new statement insert.
+
+---
+
+### `rules`
+Saved auto-categorisation rules. Applied in bulk via the Rules page.
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `owner_id` | int FK → `participants` | Rule belongs to this user |
+| `name` | text | Rule label |
+| `conditions` | jsonb | Array of `{field, operator, value}` — AND logic |
+| `actions` | jsonb | `{set_category, add_tag_ids, set_merchant}` |
+| `enabled` | bool | |
+| `priority` | int | Higher priority rules run first |
+
+**Condition fields**: `merchant_normalized`, `description`, `category`, `bank_name`, `amount`
+**Condition operators**: `contains`, `equals`, `starts_with`, `gt`, `lt`, `not_equals`
+
+---
+
+### `budgets`
+Monthly spend targets per category. Stored but currently unused in the UI (replaced by the analytics/insights views).
+
+| Column | Type | Description |
+|--------|------|-------------|
+| `owner_id` | int FK → `participants` | |
+| `category` | text | Category name |
+| `month` | date | Always first of month (e.g. `2026-03-01`) |
+| `amount_limit` | numeric | Spend target for that category/month |
+
+---
+
+## Category Taxonomy
+
+Fixed set defined in `src/lib/categories.ts`. Applied by Gemini at ingestion and overridable by the user or rules engine:
+
+`groceries` · `dining` · `transport` · `fuel` · `shopping` · `utilities` · `entertainment` · `travel` · `health` · `insurance` · `subscriptions` · `cash_advance` · `government` · `education` · `rent` · `home_goods` · `home_maintenance` · `transfers` · `income` · `investment` · `personal_care` · `pets` · `gifts` · `charity` · `other`
+
+- **home_goods** — items purchased for the house (appliances, furniture, kitchenware, electronics)
+- **home_maintenance** — services on the property (cleaning, mowing, repairs)
+
+**Committed spend** (Insights page): `rent`, `utilities`, `insurance`, `subscriptions`
+**Excluded from spend analytics**: `transfers`, `investment`
+
+---
+
+## API Routes
+
+All routes require authentication via `X-Forwarded-User` header (set by Traefik). Responses are always scoped to the authenticated user's `owner_id`.
+
+| Method | Route | Description |
+|--------|-------|-------------|
+| GET | `/api/statements` | All statements for current user |
+| GET / PATCH | `/api/statements/[id]` | Get statement; PATCH to reassign owner (also writes `account_owner_mappings`) |
+| GET | `/api/transactions` | Paginated transactions with filters: `from`, `to`, `category`, `merchant`, `statement_id`, `search`, `sort`, `dir` |
+| GET / PATCH | `/api/transactions/[id]` | Get transaction; PATCH to upsert override (category, merchant, notes) |
+| GET / POST | `/api/transactions/[id]/splits` | List or create splits on a transaction |
+| GET / POST | `/api/transactions/[id]/tags` | List or apply tags to a transaction |
+| POST | `/api/transactions/bulk` | Bulk update category/merchant across multiple transactions |
+| GET | `/api/analytics/monthly` | Split-adjusted monthly spend by category + income + investments. Params: `months` (1–24, default 6) |
+| GET | `/api/analytics/subscriptions` | Recurring charge detection — merchants with ≥3 occurrences at consistent intervals |
+| GET | `/api/analytics/fees` | Fees and interest from statement summaries + individual fee/interest transactions |
+| GET | `/api/shared-transactions` | Transactions that have active splits |
+| POST | `/api/splits/settle` | Mark a split as settled |
+| GET / POST | `/api/participants` | List participants; POST to create (with optional `email`) |
+| GET | `/api/participants/[id]/balance` | Net balance owed by/to a specific participant |
+| GET | `/api/participants/balances` | All participant balances |
+| GET / POST | `/api/rules` | List or create rules |
+| PATCH / DELETE | `/api/rules/[id]` | Update or delete a rule |
+| POST | `/api/rules/apply` | Run all enabled rules against all transactions; returns `{matched, transactions_affected}` |
+| GET / POST | `/api/budgets` | List budgets for a month (`?month=YYYY-MM`); upsert budget |
+| DELETE | `/api/budgets/[id]` | Delete a budget |
+| GET | `/api/merchants` | Merchant name autocomplete suggestions |
+| GET | `/api/me` | Current user info derived from `X-Forwarded-User` header |
+| GET / POST | `/api/tags` | List or create tags |
+| PATCH / DELETE | `/api/tags/[id]` | Update or delete a tag |
+
+---
+
+## Ingestion Pipeline
+
+```
+Paperless-NGX
+  └─ documents tagged "Bank Statement" + "Credit Card" (without "cc-processor")
+       │
+       ▼
+  N8N workflow — polls every 5 minutes (workflow ID: FysADdFwEtwONQl4)
+       │
+       ├─ Duplicate check: SELECT WHERE paperless_doc_id = <id>
+       │    └─ Already processed → skip, mark in Paperless
+       │
+       ├─ Download PDF binary from Paperless API
+       │
+       ├─ Gemini 2.5 Flash — PDF → structured JSON
+       │    responseSchema: { summary: {...}, transactions: [...] }
+       │    timeout: 180s, retryOnFail: 3×, delay: 30s
+       │
+       ├─ Parse & normalise
+       │    account_number: strip spaces
+       │    bank_name: title-case
+       │    FX rate: fetch live from open.er-api.com if non-AUD
+       │
+       ├─ Statement exists? (bank + account + billing_end_date)
+       │    └─ Duplicate → skip, mark in Paperless
+       │
+       ├─ New bank? → Slack approval gate (human confirms before insert)
+       │
+       ├─ Lookup account_owner_mappings → resolve owner_id (default: 1 = "Me")
+       │
+       ├─ INSERT statements + transactions
+       │
+       ├─ Google Calendar reminder for payment_due_date (credit cards)
+       │
+       └─ Paperless: PATCH document to add "cc-processor" tag
 ```

-Open [http://localhost:3000](http://localhost:3000) with your browser to see the result.
+N8N workflow JSON: `docker/automation/workflows/cc-statement-processor-paperless.json` in the smarthome repo.

-You can start editing the page by modifying `app/page.tsx`. The page auto-updates as you edit the file.
+---

-This project uses [`next/font`](https://nextjs.org/docs/app/building-your-application/optimizing/fonts) to automatically optimize and load [Geist](https://vercel.com/font), a new font family for Vercel.
+## Schema Migrations

-## Learn More
+Located in `prisma/migrations/`. Applied manually against the running container:

-To learn more about Next.js, take a look at the following resources:
+```bash
+docker exec postgres-personal psql -U personal -d personal \
+  < prisma/migrations/<migration>/migration.sql
+```

- [Next.js Documentation](https://nextjs.org/docs) - learn about Next.js features and API.
- [Learn Next.js](https://nextjs.org/learn) - an interactive Next.js tutorial.
+| Migration | What it adds |
+|-----------|-------------|
+| `0001_init` | `statements`, `transactions`, `participants` |
+| `0002_splits` | `transaction_splits` |
+| `0003_owner_segregation` | `owner_id` on statements, `account_owner_mappings`, `email` on participants |
+| `0004_tags` | `tags`, `transaction_tags` |
+| `0005_rules` | `rules` |
+| `0006_budgets` | `budgets` |
+| `0007_cashflow` | `amount_aud`, `exchange_rate_to_aud` on transactions; `exchange_rate_to_aud` on statements |

-You can check out [the Next.js GitHub repository](https://github.com/vercel/next.js) - your feedback and contributions are welcome!
+> `paperless_doc_id` on statements and the `uq_statements_paperless_doc_id` index were added directly (not tracked in a migration file).

-## Deploy on Vercel
+---

-The easiest way to deploy your Next.js app is to use the [Vercel Platform](https://vercel.com/new?utm_medium=default-template&filter=next.js&utm_source=create-next-app&utm_campaign=create-next-app-readme) from the creators of Next.js.
+## Deployment

-Check out our [Next.js deployment documentation](https://nextjs.org/docs/app/building-your-application/deploying) for more details.
+Runs as a Docker container alongside the rest of the home lab stack. Build and deploy:
+
+```bash
+# From smarthome repo root
+docker compose --env-file docker/common.env --env-file docker/finance/.env \
+  -f docker/finance/docker-compose.yml up -d --build
+```
+
+The container uses Next.js standalone output. `@prisma/adapter-pg` and `pg` are listed in `serverExternalPackages` in `next.config.ts` to ensure they are included in the standalone bundle.
@@ -15,7 +15,8 @@
        "pg": "^8.20.0",
        "prisma": "^7.4.2",
        "react": "19.2.3",
-        "react-dom": "19.2.3"
+        "react-dom": "19.2.3",
+        "recharts": "^3.8.0"
      },
      "devDependencies": {
        "@tailwindcss/postcss": "^4",
@@ -1490,6 +1491,42 @@
        "react-dom": "^18.0.0 || ^19.0.0"
      }
    },
+    "node_modules/@reduxjs/toolkit": {
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+        "redux": "^5.0.1",
+        "redux-thunk": "^3.1.0",
+        "reselect": "^5.1.0"
+      },
+      "peerDependencies": {
+        "react": "^16.9.0 || ^17.0.0 || ^18 || ^19",
+        "react-redux": "^7.2.1 || ^8.1.3 || ^9.0.0"
+      },
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+      "license": "MIT",
+      "funding": {
+        "type": "opencollective",
+        "url": "https://opencollective.com/immer"
+      }
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    "node_modules/@rtsao/scc": {
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      "license": "MIT"
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@@ -1820,6 +1863,69 @@
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+      "license": "MIT"
+    },
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@@ -1882,6 +1988,12 @@
        "@types/react": "^19.2.0"
      }
    },
+    "node_modules/@types/use-sync-external-store": {
+      "version": "0.0.6",
+      "resolved": "https://registry.npmjs.org/@types/use-sync-external-store/-/use-sync-external-store-0.0.6.tgz",
+      "integrity": "sha512-zFDAD+tlpf2r4asuHEj0XH6pY6i0g5NeAHPn+15wk3BV6JA69eERFXC1gyGThDkVa1zCyKr5jox1+2LbV/AMLg==",
+      "license": "MIT"
+    },
    "node_modules/@typescript-eslint/eslint-plugin": {
      "version": "8.56.1",
      "resolved": "https://registry.npmjs.org/@typescript-eslint/eslint-plugin/-/eslint-plugin-8.56.1.tgz",
@@ -2987,6 +3099,15 @@
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      "license": "MIT"
    },
+    "node_modules/clsx": {
+      "version": "2.1.1",
+      "resolved": "https://registry.npmjs.org/clsx/-/clsx-2.1.1.tgz",
+      "integrity": "sha512-eYm0QWBtUrBWZWG0d386OGAw16Z995PiOVo2B7bjWSbHedGl5e0ZWaq65kOGgUSNesEIDkB9ISbTg/JK9dhCZA==",
+      "license": "MIT",
+      "engines": {
+        "node": ">=6"
+      }
+    },
    "node_modules/color-convert": {
      "version": "2.0.1",
      "resolved": "https://registry.npmjs.org/color-convert/-/color-convert-2.0.1.tgz",
@@ -3056,6 +3177,127 @@
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      "license": "MIT"
    },
+    "node_modules/d3-array": {
+      "version": "3.2.4",
+      "resolved": "https://registry.npmjs.org/d3-array/-/d3-array-3.2.4.tgz",
+      "integrity": "sha512-tdQAmyA18i4J7wprpYq8ClcxZy3SC31QMeByyCFyRt7BVHdREQZ5lpzoe5mFEYZUWe+oq8HBvk9JjpibyEV4Jg==",
+      "license": "ISC",
+      "dependencies": {
+        "internmap": "1 - 2"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-color": {
+      "version": "3.1.0",
+      "resolved": "https://registry.npmjs.org/d3-color/-/d3-color-3.1.0.tgz",
+      "integrity": "sha512-zg/chbXyeBtMQ1LbD/WSoW2DpC3I0mpmPdW+ynRTj/x2DAWYrIY7qeZIHidozwV24m4iavr15lNwIwLxRmOxhA==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-ease": {
+      "version": "3.0.1",
+      "resolved": "https://registry.npmjs.org/d3-ease/-/d3-ease-3.0.1.tgz",
+      "integrity": "sha512-wR/XK3D3XcLIZwpbvQwQ5fK+8Ykds1ip7A2Txe0yxncXSdq1L9skcG7blcedkOX+ZcgxGAmLX1FrRGbADwzi0w==",
+      "license": "BSD-3-Clause",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-format": {
+      "version": "3.1.2",
+      "resolved": "https://registry.npmjs.org/d3-format/-/d3-format-3.1.2.tgz",
+      "integrity": "sha512-AJDdYOdnyRDV5b6ArilzCPPwc1ejkHcoyFarqlPqT7zRYjhavcT3uSrqcMvsgh2CgoPbK3RCwyHaVyxYcP2Arg==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-interpolate": {
+      "version": "3.0.1",
+      "resolved": "https://registry.npmjs.org/d3-interpolate/-/d3-interpolate-3.0.1.tgz",
+      "integrity": "sha512-3bYs1rOD33uo8aqJfKP3JWPAibgw8Zm2+L9vBKEHJ2Rg+viTR7o5Mmv5mZcieN+FRYaAOWX5SJATX6k1PWz72g==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-color": "1 - 3"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-path": {
+      "version": "3.1.0",
+      "resolved": "https://registry.npmjs.org/d3-path/-/d3-path-3.1.0.tgz",
+      "integrity": "sha512-p3KP5HCf/bvjBSSKuXid6Zqijx7wIfNW+J/maPs+iwR35at5JCbLUT0LzF1cnjbCHWhqzQTIN2Jpe8pRebIEFQ==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-scale": {
+      "version": "4.0.2",
+      "resolved": "https://registry.npmjs.org/d3-scale/-/d3-scale-4.0.2.tgz",
+      "integrity": "sha512-GZW464g1SH7ag3Y7hXjf8RoUuAFIqklOAq3MRl4OaWabTFJY9PN/E1YklhXLh+OQ3fM9yS2nOkCoS+WLZ6kvxQ==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-array": "2.10.0 - 3",
+        "d3-format": "1 - 3",
+        "d3-interpolate": "1.2.0 - 3",
+        "d3-time": "2.1.1 - 3",
+        "d3-time-format": "2 - 4"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-shape": {
+      "version": "3.2.0",
+      "resolved": "https://registry.npmjs.org/d3-shape/-/d3-shape-3.2.0.tgz",
+      "integrity": "sha512-SaLBuwGm3MOViRq2ABk3eLoxwZELpH6zhl3FbAoJ7Vm1gofKx6El1Ib5z23NUEhF9AsGl7y+dzLe5Cw2AArGTA==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-path": "^3.1.0"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-time": {
+      "version": "3.1.0",
+      "resolved": "https://registry.npmjs.org/d3-time/-/d3-time-3.1.0.tgz",
+      "integrity": "sha512-VqKjzBLejbSMT4IgbmVgDjpkYrNWUYJnbCGo874u7MMKIWsILRX+OpX/gTk8MqjpT1A/c6HY2dCA77ZN0lkQ2Q==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-array": "2 - 3"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-time-format": {
+      "version": "4.1.0",
+      "resolved": "https://registry.npmjs.org/d3-time-format/-/d3-time-format-4.1.0.tgz",
+      "integrity": "sha512-dJxPBlzC7NugB2PDLwo9Q8JiTR3M3e4/XANkreKSUxF8vvXKqm1Yfq4Q5dl8budlunRVlUUaDUgFt7eA8D6NLg==",
+      "license": "ISC",
+      "dependencies": {
+        "d3-time": "1 - 3"
+      },
+      "engines": {
+        "node": ">=12"
+      }
+    },
+    "node_modules/d3-timer": {
+      "version": "3.0.1",
+      "resolved": "https://registry.npmjs.org/d3-timer/-/d3-timer-3.0.1.tgz",
+      "integrity": "sha512-ndfJ/JxxMd3nw31uyKoY2naivF+r29V+Lc0svZxe1JvvIRmi8hUsrMvdOwgS1o6uBHmiz91geQ0ylPP0aj1VUA==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
    "node_modules/damerau-levenshtein": {
      "version": "1.0.8",
      "resolved": "https://registry.npmjs.org/damerau-levenshtein/-/damerau-levenshtein-1.0.8.tgz",
@@ -3135,6 +3377,12 @@
        }
      }
    },
+    "node_modules/decimal.js-light": {
+      "version": "2.5.1",
+      "resolved": "https://registry.npmjs.org/decimal.js-light/-/decimal.js-light-2.5.1.tgz",
+      "integrity": "sha512-qIMFpTMZmny+MMIitAB6D7iVPEorVw6YQRWkvarTkT4tBeSLLiHzcwj6q0MmYSFCiVpiqPJTJEYIrpcPzVEIvg==",
+      "license": "MIT"
+    },
    "node_modules/deep-is": {
      "version": "0.1.4",
      "resolved": "https://registry.npmjs.org/deep-is/-/deep-is-0.1.4.tgz",
@@ -3482,6 +3730,16 @@
        "url": "https://github.com/sponsors/ljharb"
      }
    },
+    "node_modules/es-toolkit": {
+      "version": "1.45.1",
+      "resolved": "https://registry.npmjs.org/es-toolkit/-/es-toolkit-1.45.1.tgz",
+      "integrity": "sha512-/jhoOj/Fx+A+IIyDNOvO3TItGmlMKhtX8ISAHKE90c4b/k1tqaqEZ+uUqfpU8DMnW5cgNJv606zS55jGvza0Xw==",
+      "license": "MIT",
+      "workspaces": [
+        "docs",
+        "benchmarks"
+      ]
+    },
    "node_modules/escalade": {
      "version": "3.2.0",
      "resolved": "https://registry.npmjs.org/escalade/-/escalade-3.2.0.tgz",
@@ -3935,6 +4193,12 @@
        "node": ">=0.10.0"
      }
    },
+    "node_modules/eventemitter3": {
+      "version": "5.0.4",
+      "resolved": "https://registry.npmjs.org/eventemitter3/-/eventemitter3-5.0.4.tgz",
+      "integrity": "sha512-mlsTRyGaPBjPedk6Bvw+aqbsXDtoAyAzm5MO7JgU+yVRyMQ5O8bD4Kcci7BS85f93veegeCPkL8R4GLClnjLFw==",
+      "license": "MIT"
+    },
    "node_modules/exsolve": {
      "version": "1.0.8",
      "resolved": "https://registry.npmjs.org/exsolve/-/exsolve-1.0.8.tgz",
@@ -4509,6 +4773,16 @@
        "node": ">= 4"
      }
    },
+    "node_modules/immer": {
+      "version": "10.2.0",
+      "resolved": "https://registry.npmjs.org/immer/-/immer-10.2.0.tgz",
+      "integrity": "sha512-d/+XTN3zfODyjr89gM3mPq1WNX2B8pYsu7eORitdwyA2sBubnTl3laYlBk4sXY5FUa5qTZGBDPJICVbvqzjlbw==",
+      "license": "MIT",
+      "funding": {
+        "type": "opencollective",
+        "url": "https://opencollective.com/immer"
+      }
+    },
    "node_modules/import-fresh": {
      "version": "3.3.1",
      "resolved": "https://registry.npmjs.org/import-fresh/-/import-fresh-3.3.1.tgz",
@@ -4551,6 +4825,15 @@
        "node": ">= 0.4"
      }
    },
+    "node_modules/internmap": {
+      "version": "2.0.3",
+      "resolved": "https://registry.npmjs.org/internmap/-/internmap-2.0.3.tgz",
+      "integrity": "sha512-5Hh7Y1wQbvY5ooGgPbDaL5iYLAPzMTUrjMulskHLH6wnv/A+1q5rgEaiuqEjB+oxGXIVZs1FF+R/KPN3ZSQYYg==",
+      "license": "ISC",
+      "engines": {
+        "node": ">=12"
+      }
+    },
    "node_modules/is-array-buffer": {
      "version": "3.0.5",
      "resolved": "https://registry.npmjs.org/is-array-buffer/-/is-array-buffer-3.0.5.tgz",
@@ -6386,9 +6669,31 @@
      "version": "16.13.1",
      "resolved": "https://registry.npmjs.org/react-is/-/react-is-16.13.1.tgz",
      "integrity": "sha512-24e6ynE2H+OKt4kqsOvNd8kBpV65zoxbA4BVsEOB3ARVWQki/DHzaUoC5KuON/BiccDaCCTZBuOcfZs70kR8bQ==",
-      "dev": true,
      "license": "MIT"
    },
+    "node_modules/react-redux": {
+      "version": "9.2.0",
+      "resolved": "https://registry.npmjs.org/react-redux/-/react-redux-9.2.0.tgz",
+      "integrity": "sha512-ROY9fvHhwOD9ySfrF0wmvu//bKCQ6AeZZq1nJNtbDC+kk5DuSuNX/n6YWYF/SYy7bSba4D4FSz8DJeKY/S/r+g==",
+      "license": "MIT",
+      "dependencies": {
+        "@types/use-sync-external-store": "^0.0.6",
+        "use-sync-external-store": "^1.4.0"
+      },
+      "peerDependencies": {
+        "@types/react": "^18.2.25 || ^19",
+        "react": "^18.0 || ^19",
+        "redux": "^5.0.0"
+      },
+      "peerDependenciesMeta": {
+        "@types/react": {
+          "optional": true
+        },
+        "redux": {
+          "optional": true
+        }
+      }
+    },
    "node_modules/readdirp": {
      "version": "4.1.2",
      "resolved": "https://registry.npmjs.org/readdirp/-/readdirp-4.1.2.tgz",
@@ -6402,6 +6707,51 @@
        "url": "https://paulmillr.com/funding/"
      }
    },
+    "node_modules/recharts": {
+      "version": "3.8.0",
+      "resolved": "https://registry.npmjs.org/recharts/-/recharts-3.8.0.tgz",
+      "integrity": "sha512-Z/m38DX3L73ExO4Tpc9/iZWHmHnlzWG4njQbxsF5aSjwqmHNDDIm0rdEBArkwsBvR8U6EirlEHiQNYWCVh9sGQ==",
+      "license": "MIT",
+      "workspaces": [
+        "www"
+      ],
+      "dependencies": {
+        "@reduxjs/toolkit": "^1.9.0 || 2.x.x",
+        "clsx": "^2.1.1",
+        "decimal.js-light": "^2.5.1",
+        "es-toolkit": "^1.39.3",
+        "eventemitter3": "^5.0.1",
+        "immer": "^10.1.1",
+        "react-redux": "8.x.x || 9.x.x",
+        "reselect": "5.1.1",
+        "tiny-invariant": "^1.3.3",
+        "use-sync-external-store": "^1.2.2",
+        "victory-vendor": "^37.0.2"
+      },
+      "engines": {
+        "node": ">=18"
+      },
+      "peerDependencies": {
+        "react": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0",
+        "react-dom": "^16.0.0 || ^17.0.0 || ^18.0.0 || ^19.0.0",
+        "react-is": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0"
+      }
+    },
+    "node_modules/redux": {
+      "version": "5.0.1",
+      "resolved": "https://registry.npmjs.org/redux/-/redux-5.0.1.tgz",
+      "integrity": "sha512-M9/ELqF6fy8FwmkpnF0S3YKOqMyoWJ4+CS5Efg2ct3oY9daQvd/Pc71FpGZsVsbl3Cpb+IIcjBDUnnyBdQbq4w==",
+      "license": "MIT"
+    },
+    "node_modules/redux-thunk": {
+      "version": "3.1.0",
+      "resolved": "https://registry.npmjs.org/redux-thunk/-/redux-thunk-3.1.0.tgz",
+      "integrity": "sha512-NW2r5T6ksUKXCabzhL9z+h206HQw/NJkcLm1GPImRQ8IzfXwRGqjVhKJGauHirT0DAuyy6hjdnMZaRoAcy0Klw==",
+      "license": "MIT",
+      "peerDependencies": {
+        "redux": "^5.0.0"
+      }
+    },
    "node_modules/reflect.getprototypeof": {
      "version": "1.0.10",
      "resolved": "https://registry.npmjs.org/reflect.getprototypeof/-/reflect.getprototypeof-1.0.10.tgz",
@@ -6461,6 +6811,12 @@
        "url": "https://github.com/sponsors/remeda"
      }
    },
+    "node_modules/reselect": {
+      "version": "5.1.1",
+      "resolved": "https://registry.npmjs.org/reselect/-/reselect-5.1.1.tgz",
+      "integrity": "sha512-K/BG6eIky/SBpzfHZv/dd+9JBFiS4SWV7FIujVyJRux6e45+73RaUHXLmIR1f7WOMaQ0U1km6qwklRQxpJJY0w==",
+      "license": "MIT"
+    },
    "node_modules/resolve": {
      "version": "1.22.11",
      "resolved": "https://registry.npmjs.org/resolve/-/resolve-1.22.11.tgz",
@@ -7104,6 +7460,12 @@
        "url": "https://opencollective.com/webpack"
      }
    },
+    "node_modules/tiny-invariant": {
+      "version": "1.3.3",
+      "resolved": "https://registry.npmjs.org/tiny-invariant/-/tiny-invariant-1.3.3.tgz",
+      "integrity": "sha512-+FbBPE1o9QAYvviau/qC5SE3caw21q3xkvWKBtja5vgqOWIHHJ3ioaq1VPfn/Szqctz2bU/oYeKd9/z5BL+PVg==",
+      "license": "MIT"
+    },
    "node_modules/tinyexec": {
      "version": "1.0.2",
      "resolved": "https://registry.npmjs.org/tinyexec/-/tinyexec-1.0.2.tgz",
@@ -7450,6 +7812,15 @@
        "punycode": "^2.1.0"
      }
    },
+    "node_modules/use-sync-external-store": {
+      "version": "1.6.0",
+      "resolved": "https://registry.npmjs.org/use-sync-external-store/-/use-sync-external-store-1.6.0.tgz",
+      "integrity": "sha512-Pp6GSwGP/NrPIrxVFAIkOQeyw8lFenOHijQWkUTrDvrF4ALqylP2C/KCkeS9dpUM3KvYRQhna5vt7IL95+ZQ9w==",
+      "license": "MIT",
+      "peerDependencies": {
+        "react": "^16.8.0 || ^17.0.0 || ^18.0.0 || ^19.0.0"
+      }
+    },
    "node_modules/valibot": {
      "version": "1.2.0",
      "resolved": "https://registry.npmjs.org/valibot/-/valibot-1.2.0.tgz",
@@ -7464,6 +7835,28 @@
        }
      }
    },
+    "node_modules/victory-vendor": {
+      "version": "37.3.6",
+      "resolved": "https://registry.npmjs.org/victory-vendor/-/victory-vendor-37.3.6.tgz",
+      "integrity": "sha512-SbPDPdDBYp+5MJHhBCAyI7wKM3d5ivekigc2Dk2s7pgbZ9wIgIBYGVw4zGHBml/qTFbexrofXW6Gu4noGxrOwQ==",
+      "license": "MIT AND ISC",
+      "dependencies": {
+        "@types/d3-array": "^3.0.3",
+        "@types/d3-ease": "^3.0.0",
+        "@types/d3-interpolate": "^3.0.1",
+        "@types/d3-scale": "^4.0.2",
+        "@types/d3-shape": "^3.1.0",
+        "@types/d3-time": "^3.0.0",
+        "@types/d3-timer": "^3.0.0",
+        "d3-array": "^3.1.6",
+        "d3-ease": "^3.0.1",
+        "d3-interpolate": "^3.0.1",
+        "d3-scale": "^4.0.2",
+        "d3-shape": "^3.1.0",
+        "d3-time": "^3.0.0",
+        "d3-timer": "^3.0.1"
+      }
+    },
    "node_modules/which": {
      "version": "2.0.2",
      "resolved": "https://registry.npmjs.org/which/-/which-2.0.2.tgz",
@@ -16,7 +16,8 @@
    "pg": "^8.20.0",
    "prisma": "^7.4.2",
    "react": "19.2.3",
-    "react-dom": "19.2.3"
+    "react-dom": "19.2.3",
+    "recharts": "^3.8.0"
  },
  "devDependencies": {
    "@tailwindcss/postcss": "^4",
@@ -0,0 +1,19 @@
+CREATE TABLE IF NOT EXISTS participants (
+    id SERIAL PRIMARY KEY,
+    name TEXT NOT NULL UNIQUE,
+    created_at TIMESTAMPTZ DEFAULT NOW()
+);
+INSERT INTO participants (name) VALUES ('Me') ON CONFLICT DO NOTHING;
+
+CREATE TABLE IF NOT EXISTS transaction_splits (
+    id SERIAL PRIMARY KEY,
+    transaction_id INTEGER NOT NULL REFERENCES transactions(id) ON DELETE CASCADE,
+    participant_id INTEGER NOT NULL REFERENCES participants(id) ON DELETE CASCADE,
+    share_percent NUMERIC(5,2) NOT NULL CHECK (share_percent > 0 AND share_percent <= 100),
+    settled BOOLEAN DEFAULT FALSE,
+    settled_at TIMESTAMPTZ,
+    created_at TIMESTAMPTZ DEFAULT NOW(),
+    UNIQUE (transaction_id, participant_id)
+);
+CREATE INDEX IF NOT EXISTS idx_splits_txn ON transaction_splits(transaction_id);
+CREATE INDEX IF NOT EXISTS idx_splits_participant ON transaction_splits(participant_id);
@@ -0,0 +1,17 @@
+-- Add email to participants for OAuth identity mapping
+ALTER TABLE participants ADD COLUMN IF NOT EXISTS email TEXT UNIQUE;
+
+-- Add owner_id and account_holder_name to statements
+ALTER TABLE statements ADD COLUMN IF NOT EXISTS owner_id INTEGER NOT NULL DEFAULT 1 REFERENCES participants(id);
+ALTER TABLE statements ADD COLUMN IF NOT EXISTS account_holder_name TEXT;
+CREATE INDEX IF NOT EXISTS idx_statements_owner_id ON statements(owner_id);
+
+-- Auto-assignment mapping table: (bank_name, account_number) -> owner
+CREATE TABLE IF NOT EXISTS account_owner_mappings (
+  id SERIAL PRIMARY KEY,
+  bank_name TEXT NOT NULL,
+  account_number TEXT NOT NULL,
+  owner_id INTEGER NOT NULL REFERENCES participants(id),
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  UNIQUE(bank_name, account_number)
+);
@@ -0,0 +1,11 @@
+CREATE TABLE IF NOT EXISTS budgets (
+  id SERIAL PRIMARY KEY,
+  owner_id INTEGER NOT NULL REFERENCES participants(id),
+  category TEXT NOT NULL,
+  month DATE NOT NULL,
+  amount_limit NUMERIC(10,2) NOT NULL,
+  created_at TIMESTAMPTZ DEFAULT NOW(),
+  updated_at TIMESTAMPTZ DEFAULT NOW(),
+  UNIQUE(owner_id, category, month)
+);
+CREATE INDEX IF NOT EXISTS idx_budgets_owner_month ON budgets(owner_id, month);
@@ -0,0 +1,7 @@
+-- Add FX conversion support
+ALTER TABLE statements ADD COLUMN IF NOT EXISTS exchange_rate_to_aud NUMERIC(10,6);
+ALTER TABLE transactions ADD COLUMN IF NOT EXISTS amount_aud NUMERIC(12,2);
+
+-- Backfill: all existing data is AUD
+UPDATE transactions SET amount_aud = amount WHERE amount_aud IS NULL;
+UPDATE statements SET exchange_rate_to_aud = 1.000000 WHERE exchange_rate_to_aud IS NULL;
@@ -0,0 +1,74 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  // Statement-level fees and interest (aggregated by Gemini from the PDF)
+  const stmtRows = await queryRaw<{
+    bank_name: string;
+    fees: string;
+    interest: string;
+  }>(
+    `SELECT
+      bank_name,
+      SUM(COALESCE(fees_charged, 0))::numeric(12,2) AS fees,
+      SUM(COALESCE(interest_charged, 0))::numeric(12,2) AS interest
+    FROM statements
+    WHERE owner_id = $1
+    GROUP BY bank_name
+    HAVING SUM(COALESCE(fees_charged, 0)) + SUM(COALESCE(interest_charged, 0)) > 0
+    ORDER BY (SUM(COALESCE(fees_charged, 0)) + SUM(COALESCE(interest_charged, 0))) DESC`,
+    [user.id]
+  );
+
+  // Transaction-level fee and interest line items (split-adjusted)
+  const txnRows = await queryRaw<{
+    id: number;
+    transaction_date: string;
+    description: string;
+    merchant_name: string | null;
+    transaction_type: string;
+    my_amount: string;
+    bank_name: string;
+  }>(
+    `SELECT
+      t.id,
+      t.transaction_date,
+      t.description,
+      t.merchant_name,
+      t.transaction_type,
+      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::numeric(12,2) AS my_amount,
+      s.bank_name
+    FROM transactions t
+    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
+      AND t.transaction_type IN ('fee', 'interest')
+    ORDER BY t.transaction_date DESC`,
+    [user.id]
+  );
+
+  const by_bank = stmtRows.map((r) => ({
+    bank_name: r.bank_name,
+    fees: Number(r.fees),
+    interest: Number(r.interest),
+    total: Number(r.fees) + Number(r.interest),
+  }));
+
+  const transactions = txnRows.map((r) => ({
+    ...r,
+    my_amount: Number(r.my_amount),
+  }));
+
+  // Totals from statement-level data (more complete — Gemini reads the statement summary)
+  const total_fees = by_bank.reduce((s, r) => s + r.fees, 0);
+  const total_interest = by_bank.reduce((s, r) => s + r.interest, 0);
+
+  return NextResponse.json({ by_bank, transactions, total_fees, total_interest });
+}
@@ -0,0 +1,55 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+export async function GET(
+  req: NextRequest,
+  { params }: { params: Promise<{ merchant: string }> }
+) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+
+  const { merchant } = await params;
+  const decoded = decodeURIComponent(merchant);
+
+  const transactions = await queryRaw<{
+    id: number;
+    transaction_date: string;
+    description: string;
+    amount: number;
+    amount_aud: number | null;
+    my_amount: number;
+    transaction_type: string;
+    category: string;
+    bank_name: string;
+    statement_id: number;
+  }>(`
+    SELECT
+      t.id,
+      t.transaction_date::text,
+      t.description,
+      t.amount,
+      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)
+        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::numeric(10,2) as my_amount,
+      t.transaction_type,
+      COALESCE(o.category_override, t.category) as category,
+      s.bank_name,
+      t.statement_id
+    FROM transactions t
+    JOIN statements s ON s.id = t.statement_id
+    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
+    WHERE s.owner_id = $1
+      AND t.transaction_type IN ('debit', 'fee', 'interest', 'refund', 'credit')
+      AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) = $2
+    ORDER BY t.transaction_date DESC
+    LIMIT 500
+  `, [user.id, decoded]);
+
+  return NextResponse.json({ transactions });
+}
@@ -0,0 +1,122 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+// Split-adjusted amount helper (positive for spend, negative for refunds)
+const SPEND_EXPR = `
+  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)
+    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
+`;
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+
+  const { searchParams } = new URL(req.url);
+  const months = Math.min(24, Math.max(1, Number(searchParams.get("months") || "12")));
+
+  const cutoff = new Date();
+  cutoff.setMonth(cutoff.getMonth() - months);
+  const fromDate = cutoff.toISOString().slice(0, 10);
+
+  // Merchant aggregates — net spend (debits + fees - refunds/credits)
+  const rows = await queryRaw<{
+    merchant: string;
+    category: string;
+    debit_count: number;
+    refund_count: number;
+    gross_spend: number;
+    total_refunds: number;
+    net_spend: number;
+    avg_debit: number;
+    first_seen: string;
+    last_seen: string;
+    months_active: number;
+  }>(`
+    SELECT
+      COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) as merchant,
+      MODE() WITHIN GROUP (ORDER BY COALESCE(o.category_override, t.category)) as category,
+      COUNT(*) FILTER (WHERE t.transaction_type IN ('debit', 'fee', 'interest'))::int as debit_count,
+      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
+        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
+        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
+        END
+      )::numeric(10,2) as avg_debit,
+      MIN(t.transaction_date)::text as first_seen,
+      MAX(t.transaction_date)::text as last_seen,
+      COUNT(DISTINCT TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM'))::int as months_active
+    FROM transactions t
+    JOIN statements s ON s.id = t.statement_id
+    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
+    WHERE s.owner_id = $1
+      AND t.transaction_type IN ('debit', 'fee', 'interest', 'refund', 'credit')
+      AND t.transaction_date >= $2
+      AND COALESCE(o.category_override, t.category) NOT IN ('transfers', 'investment')
+    GROUP BY 1
+    HAVING SUM(${SPEND_EXPR}) > 0
+    ORDER BY net_spend DESC
+    LIMIT 200
+  `, [user.id, fromDate]);
+
+  // Monthly net trend per merchant (top 50 by net spend)
+  const topMerchants = rows.slice(0, 50).map((r) => r.merchant);
+
+  interface TrendRow { merchant: string; month: string; total: number }
+  let trendRows: TrendRow[] = [];
+  if (topMerchants.length > 0) {
+    trendRows = await queryRaw<TrendRow>(`
+      SELECT
+        COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) as merchant,
+        TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM') as month,
+        SUM(${SPEND_EXPR})::numeric(10,2) as total
+      FROM transactions t
+      JOIN statements s ON s.id = t.statement_id
+      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
+      WHERE s.owner_id = $1
+        AND t.transaction_type IN ('debit', 'fee', 'interest', 'refund', 'credit')
+        AND t.transaction_date >= $2
+        AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name, t.description) = ANY($3)
+        AND COALESCE(o.category_override, t.category) NOT IN ('transfers', 'investment')
+      GROUP BY 1, 2
+      ORDER BY 1, 2
+    `, [user.id, fromDate, topMerchants]);
+  }
+
+  const trendByMerchant: Record<string, Record<string, number>> = {};
+  for (const tr of trendRows) {
+    if (!trendByMerchant[tr.merchant]) trendByMerchant[tr.merchant] = {};
+    trendByMerchant[tr.merchant][tr.month] = Number(tr.total);
+  }
+
+  const merchants = rows.map((r) => ({
+    ...r,
+    debit_count: Number(r.debit_count),
+    refund_count: Number(r.refund_count),
+    gross_spend: Number(r.gross_spend),
+    total_refunds: Number(r.total_refunds),
+    net_spend: Number(r.net_spend),
+    avg_debit: Number(r.avg_debit),
+    months_active: Number(r.months_active),
+    monthly_trend: trendByMerchant[r.merchant] || {},
+  }));
+
+  return NextResponse.json({ merchants, months });
+}
@@ -0,0 +1,147 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const { searchParams } = new URL(req.url);
+  const monthCount = Math.min(Math.max(Number(searchParams.get("months") || "6"), 1), 24);
+
+  const now = new Date();
+  const endDate = new Date(now.getFullYear(), now.getMonth() + 1, 1);
+  const startDate = new Date(now.getFullYear(), now.getMonth() - monthCount + 1, 1);
+
+  const startStr = startDate.toISOString().slice(0, 10);
+  const endStr = endDate.toISOString().slice(0, 10);
+
+  // Expenses: debits excluding transfers and investments, split-adjusted
+  const spendRows = await queryRaw<{
+    month: string;
+    category: string;
+    total_spent: number;
+    transaction_count: number;
+  }>(
+    `SELECT
+      TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM') as month,
+      COALESCE(o.category_override, t.category) as category,
+      SUM(
+        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
+      )::numeric(12,2) as total_spent,
+      COUNT(*)::int as transaction_count
+    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
+      AND t.transaction_type IN ('debit', 'fee', 'interest')
+      AND COALESCE(o.category_override, t.category) NOT IN ('transfers', 'investment')
+      AND t.transaction_date >= $2
+      AND t.transaction_date < $3
+    GROUP BY 1, 2
+    ORDER BY 1 DESC, total_spent DESC`,
+    [user.id, startStr, endStr]
+  );
+
+  // Income: credits/payments categorised as income
+  const incomeRows = await queryRaw<{
+    month: string;
+    total_income: number;
+    transaction_count: number;
+  }>(
+    `SELECT
+      TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM') as month,
+      SUM(COALESCE(t.amount_aud, t.amount))::numeric(12,2) as total_income,
+      COUNT(*)::int as transaction_count
+    FROM transactions t
+    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+    JOIN statements s ON s.id = t.statement_id
+    WHERE s.owner_id = $1
+      AND t.transaction_type IN ('credit', 'payment')
+      AND COALESCE(o.category_override, t.category) = 'income'
+      AND t.transaction_date >= $2
+      AND t.transaction_date < $3
+    GROUP BY 1
+    ORDER BY 1 DESC`,
+    [user.id, startStr, endStr]
+  );
+
+  // Investments: any transaction categorised as investment
+  const investmentRows = await queryRaw<{
+    month: string;
+    total_invested: number;
+    transaction_count: number;
+  }>(
+    `SELECT
+      TO_CHAR(DATE_TRUNC('month', t.transaction_date::date), 'YYYY-MM') as month,
+      SUM(COALESCE(t.amount_aud, t.amount))::numeric(12,2) as total_invested,
+      COUNT(*)::int as transaction_count
+    FROM transactions t
+    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+    JOIN statements s ON s.id = t.statement_id
+    WHERE s.owner_id = $1
+      AND COALESCE(o.category_override, t.category) = 'investment'
+      AND t.transaction_date >= $2
+      AND t.transaction_date < $3
+    GROUP BY 1
+    ORDER BY 1 DESC`,
+    [user.id, startStr, endStr]
+  );
+
+  // Build month list (most recent first)
+  const months: string[] = [];
+  for (let i = monthCount - 1; i >= 0; i--) {
+    const d = new Date(now.getFullYear(), now.getMonth() - i, 1);
+    months.push(`${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`);
+  }
+  months.reverse();
+
+  const spendMap = new Map<string, number>();
+  const countMap = new Map<string, number>();
+  const incomeMap = new Map<string, number>();
+  const investMap = new Map<string, number>();
+
+  for (const r of spendRows) {
+    spendMap.set(`${r.category}:${r.month}`, Number(r.total_spent));
+    countMap.set(`${r.category}:${r.month}`, r.transaction_count);
+  }
+  for (const r of incomeRows) incomeMap.set(r.month, Number(r.total_income));
+  for (const r of investmentRows) investMap.set(r.month, Number(r.total_invested));
+
+  const allCategories = new Set<string>();
+  for (const r of spendRows) allCategories.add(r.category);
+
+  const rows = Array.from(allCategories)
+    .sort()
+    .map((cat) => {
+      const spent: Record<string, number> = {};
+      const txCount: Record<string, number> = {};
+      for (const m of months) {
+        const s = spendMap.get(`${cat}:${m}`);
+        const c = countMap.get(`${cat}:${m}`);
+        if (s !== undefined) spent[m] = s;
+        if (c !== undefined) txCount[m] = c;
+      }
+      return { category: cat, spent, txCount };
+    });
+
+  const totals: Record<string, { spent: number; income: number; investments: number; net: number }> = {};
+  for (const m of months) {
+    let spent = 0;
+    for (const row of rows) spent += row.spent[m] || 0;
+    const income = incomeMap.get(m) || 0;
+    const investments = investMap.get(m) || 0;
+    totals[m] = {
+      spent: Math.round(spent * 100) / 100,
+      income: Math.round(income * 100) / 100,
+      investments: Math.round(investments * 100) / 100,
+      net: Math.round((income - spent - investments) * 100) / 100,
+    };
+  }
+
+  return NextResponse.json({ months, rows, income: Object.fromEntries(incomeMap), investments: Object.fromEntries(investMap), totals });
+}
@@ -0,0 +1,133 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const rows = await queryRaw<{
+    merchant: string;
+    category: string;
+    occurrences: number;
+    avg_amount: string;
+    first_seen: string;
+    last_seen: string;
+    total_paid: string;
+    median_interval: string;
+    frequency: string | null;
+  }>(
+    `WITH merchant_txns AS (
+      SELECT
+        COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) AS merchant,
+        COALESCE(o.category_override, t.category) AS category,
+        t.transaction_date,
+        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 AS my_amount
+      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
+        AND t.transaction_type IN ('debit', 'fee')
+        AND COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) IS NOT NULL
+    ),
+    merchant_with_lag AS (
+      SELECT
+        merchant,
+        category,
+        transaction_date,
+        my_amount,
+        LAG(transaction_date) OVER (PARTITION BY merchant ORDER BY transaction_date) AS prev_date
+      FROM merchant_txns
+    ),
+    merchant_stats AS (
+      SELECT
+        merchant,
+        MODE() WITHIN GROUP (ORDER BY category) AS category,
+        COUNT(*) + 1 AS occurrences,
+        AVG(my_amount)::numeric(12,2) AS avg_amount,
+        MIN(transaction_date) AS first_seen,
+        MAX(transaction_date) AS last_seen,
+        SUM(my_amount)::numeric(12,2) AS total_paid,
+        PERCENTILE_CONT(0.5) WITHIN GROUP (
+          ORDER BY (transaction_date - prev_date)::int
+        ) AS median_interval,
+        STDDEV((transaction_date - prev_date)::int) AS stddev_interval
+      FROM merchant_with_lag
+      WHERE prev_date IS NOT NULL
+      GROUP BY merchant
+      HAVING COUNT(*) >= 2
+    ),
+    classified AS (
+      SELECT *,
+        CASE
+          WHEN median_interval BETWEEN 6   AND 8   THEN 'weekly'
+          WHEN median_interval BETWEEN 13  AND 16  THEN 'fortnightly'
+          WHEN median_interval BETWEEN 27  AND 35  THEN 'monthly'
+          WHEN median_interval BETWEEN 85  AND 95  THEN 'quarterly'
+          WHEN median_interval BETWEEN 350 AND 380 THEN 'annual'
+          ELSE NULL
+        END AS frequency
+      FROM merchant_stats
+      WHERE stddev_interval < median_interval * 0.4
+        AND (
+          median_interval BETWEEN 6   AND 8   OR
+          median_interval BETWEEN 13  AND 16  OR
+          median_interval BETWEEN 27  AND 35  OR
+          median_interval BETWEEN 85  AND 95  OR
+          median_interval BETWEEN 350 AND 380
+        )
+    )
+    SELECT merchant, category, occurrences, avg_amount, first_seen, last_seen, total_paid,
+           median_interval::numeric(8,1), frequency
+    FROM classified
+    WHERE frequency IS NOT NULL
+    ORDER BY
+      CASE frequency
+        WHEN 'weekly'      THEN avg_amount * 4.33
+        WHEN 'fortnightly' THEN avg_amount * 2.17
+        WHEN 'monthly'     THEN avg_amount
+        WHEN 'quarterly'   THEN avg_amount / 3
+        WHEN 'annual'      THEN avg_amount / 12
+      END DESC NULLS LAST`,
+    [user.id]
+  );
+
+  const today = new Date();
+  const subscriptions = rows.map((r) => {
+    const lastSeen = new Date(r.last_seen);
+    const daysSinceLast = Math.floor((today.getTime() - lastSeen.getTime()) / 86400000);
+    const medianInterval = Number(r.median_interval);
+    const is_active = daysSinceLast < medianInterval * 1.5;
+
+    const avg = Number(r.avg_amount);
+    const monthly_equiv =
+      r.frequency === "weekly"      ? avg * 4.33 :
+      r.frequency === "fortnightly" ? avg * 2.17 :
+      r.frequency === "quarterly"   ? avg / 3    :
+      r.frequency === "annual"      ? avg / 12   :
+      avg;
+
+    return {
+      merchant: r.merchant,
+      category: r.category,
+      frequency: r.frequency,
+      avg_amount: avg,
+      monthly_equiv: Math.round(monthly_equiv * 100) / 100,
+      first_seen: r.first_seen,
+      last_seen: r.last_seen,
+      occurrences: r.occurrences,
+      total_paid: Number(r.total_paid),
+      is_active,
+    };
+  });
+
+  const total_monthly_equiv = subscriptions
+    .filter((s) => s.is_active)
+    .reduce((sum, s) => sum + s.monthly_equiv, 0);
+
+  return NextResponse.json({ subscriptions, total_monthly_equiv: Math.round(total_monthly_equiv * 100) / 100 });
+}
@@ -0,0 +1,18 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+export async function DELETE(req: NextRequest, { params }: { params: Promise<{ id: string }> }) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const { id } = await params;
+  const existing = await queryRaw<{ id: number }>(
+    `SELECT id FROM budgets WHERE id = $1 AND owner_id = $2`,
+    [Number(id), user.id]
+  );
+  if (!existing.length) return NextResponse.json({ error: "Not found" }, { status: 404 });
+
+  await queryRaw(`DELETE FROM budgets WHERE id = $1`, [Number(id)]);
+  return NextResponse.json({ ok: true });
+}
@@ -0,0 +1,46 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const { searchParams } = new URL(req.url);
+  const month = searchParams.get("month");
+
+  let monthDate: string;
+  if (month) {
+    monthDate = month.length === 7 ? `${month}-01` : month;
+  } else {
+    const now = new Date();
+    monthDate = `${now.getFullYear()}-${String(now.getMonth() + 1).padStart(2, "0")}-01`;
+  }
+
+  const rows = await queryRaw<{ id: number; category: string; month: string; amount_limit: number }>(
+    `SELECT id, category, month::text, amount_limit::numeric FROM budgets WHERE owner_id = $1 AND month = $2::date`,
+    [user.id, monthDate]
+  );
+  return NextResponse.json(rows);
+}
+
+export async function POST(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const { category, month, amount_limit } = await req.json();
+  if (!category || !month || amount_limit === undefined) {
+    return NextResponse.json({ error: "category, month, and amount_limit required" }, { status: 400 });
+  }
+
+  const monthDate = month.length === 7 ? `${month}-01` : month;
+
+  const rows = await queryRaw<{ id: number; category: string; month: string; amount_limit: number }>(
+    `INSERT INTO budgets (owner_id, category, month, amount_limit)
+     VALUES ($1, $2, $3::date, $4)
+     ON CONFLICT (owner_id, category, month) DO UPDATE SET amount_limit = $4, updated_at = NOW()
+     RETURNING id, category, month::text, amount_limit::numeric`,
+    [user.id, category, monthDate, amount_limit]
+  );
+  return NextResponse.json(rows[0], { status: 201 });
+}
@@ -0,0 +1,8 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+  return NextResponse.json(user);
+}
@@ -0,0 +1,32 @@
+import { NextRequest, NextResponse } from "next/server";
+import { queryRaw } from "@/lib/db";
+
+interface BalanceRow {
+  participant_id: number;
+  name: string;
+  total_owed: number;
+  transaction_count: number;
+}
+
+export async function GET(
+  _req: NextRequest,
+  { params }: { params: Promise<{ id: string }> }
+) {
+  const { id } = await params;
+
+  const rows = await queryRaw<BalanceRow>(
+    `SELECT ts.participant_id, p.name,
+       SUM(t.amount * ts.share_percent / 100)::numeric(12,2) as total_owed,
+       COUNT(*)::int as transaction_count
+     FROM transaction_splits ts
+     JOIN transactions t ON t.id = ts.transaction_id
+     JOIN participants p ON p.id = ts.participant_id
+     WHERE ts.participant_id = $1 AND ts.settled = false
+     GROUP BY ts.participant_id, p.name`,
+    [Number(id)]
+  );
+
+  return NextResponse.json(
+    rows[0] ?? { participant_id: Number(id), total_owed: 0, transaction_count: 0 }
+  );
+}
@@ -0,0 +1,11 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getParticipantBalances } from "@/lib/queries";
+import { getCurrentUser } from "@/lib/auth";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+
+  const balances = await getParticipantBalances(user.id);
+  return NextResponse.json(balances);
+}
@@ -0,0 +1,21 @@
+import { NextRequest, NextResponse } from "next/server";
+import { prisma } from "@/lib/db";
+import { queryRaw } from "@/lib/db";
+
+export async function GET() {
+  const participants = await prisma.participants.findMany({
+    orderBy: { name: "asc" },
+  });
+  return NextResponse.json(participants);
+}
+
+export async function POST(req: NextRequest) {
+  const { name, email } = await req.json();
+  if (!name?.trim()) {
+    return NextResponse.json({ error: "name required" }, { status: 400 });
+  }
+  const participant = await prisma.participants.create({
+    data: { name: name.trim(), email: email?.trim() || null },
+  });
+  return NextResponse.json(participant, { status: 201 });
+}
@@ -9,10 +9,16 @@ interface Condition {
  value: string;
 }

+interface SplitEntry {
+  participant_id: number;
+  share_percent: number;
+}
+
 interface Actions {
  set_category?: string;
  add_tag_ids?: number[];
  set_merchant?: string;
+  apply_split?: SplitEntry[];
 }

 interface TxFields {
@@ -108,6 +114,18 @@ export async function POST(req: NextRequest) {
          );
        }
      }
+
+      if (actions.apply_split?.length) {
+        // Delete existing splits then insert new ones
+        await queryRaw(`DELETE FROM transaction_splits WHERE transaction_id = $1`, [tx.id]);
+        for (const s of actions.apply_split) {
+          await queryRaw(
+            `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+             VALUES ($1, $2, $3) ON CONFLICT DO NOTHING`,
+            [tx.id, s.participant_id, s.share_percent]
+          );
+        }
+      }
    }
  }

@@ -0,0 +1,11 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getSharedTransactions } from "@/lib/queries";
+import { getCurrentUser } from "@/lib/auth";
+
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+
+  const transactions = await getSharedTransactions(user.id);
+  return NextResponse.json(transactions);
+}
@@ -0,0 +1,30 @@
+import { NextRequest, NextResponse } from "next/server";
+import { prisma } from "@/lib/db";
+
+export async function POST(req: NextRequest) {
+  const body = await req.json();
+  const { participant_id, split_ids } = body as {
+    participant_id?: number;
+    split_ids?: number[];
+  };
+
+  const now = new Date();
+
+  if (participant_id) {
+    const result = await prisma.transaction_splits.updateMany({
+      where: { participant_id, settled: false },
+      data: { settled: true, settled_at: now },
+    });
+    return NextResponse.json({ settled: result.count });
+  }
+
+  if (split_ids?.length) {
+    const result = await prisma.transaction_splits.updateMany({
+      where: { id: { in: split_ids }, settled: false },
+      data: { settled: true, settled_at: now },
+    });
+    return NextResponse.json({ settled: result.count });
+  }
+
+  return NextResponse.json({ error: "participant_id or split_ids required" }, { status: 400 });
+}
@@ -1,6 +1,9 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getTransactionById } from "@/lib/queries";
 import { prisma } from "@/lib/db";
+import { queryRaw } from "@/lib/db";
+
+const VALID_TYPES = ["debit", "credit", "payment", "refund", "fee", "interest", "transfer"];

 export async function GET(
  _req: NextRequest,
@@ -20,12 +23,30 @@ export async function PATCH(
  const transactionId = Number(id);
  const body = await req.json();

-  const { category, merchant_normalized, notes } = body as {
+  const { category, merchant_normalized, notes, transaction_type } = body as {
    category?: string;
    merchant_normalized?: string;
    notes?: string;
+    transaction_type?: string;
  };

+  // transaction_type is a direct correction on the transactions table
+  if (transaction_type !== undefined) {
+    if (!VALID_TYPES.includes(transaction_type)) {
+      return NextResponse.json({ error: "Invalid transaction_type" }, { status: 400 });
+    }
+    await queryRaw(
+      `UPDATE transactions SET transaction_type = $1 WHERE id = $2`,
+      [transaction_type, transactionId]
+    );
+  }
+
+  // category/merchant/notes go through the overrides table
+  const hasOverride = category !== undefined || merchant_normalized !== undefined || notes !== undefined;
+  if (!hasOverride) {
+    return NextResponse.json({ ok: true });
+  }
+
  const data: Record<string, unknown> = { updated_at: new Date() };
  if (category !== undefined) data.category_override = category;
  if (merchant_normalized !== undefined) data.merchant_normalized = merchant_normalized;
@@ -0,0 +1,79 @@
+import { NextRequest, NextResponse } from "next/server";
+import { prisma } from "@/lib/db";
+import { queryRaw } from "@/lib/db";
+
+interface SplitInput {
+  participant_id: number;
+  share_percent: number;
+}
+
+interface SplitRow {
+  id: number;
+  transaction_id: number;
+  participant_id: number;
+  name: string;
+  share_percent: number;
+  settled: boolean;
+  settled_at: string | null;
+  created_at: string;
+}
+
+export async function GET(
+  _req: NextRequest,
+  { params }: { params: Promise<{ id: string }> }
+) {
+  const { id } = await params;
+  const splits = await queryRaw<SplitRow>(
+    `SELECT ts.*, p.name
+     FROM transaction_splits ts
+     JOIN participants p ON p.id = ts.participant_id
+     WHERE ts.transaction_id = $1
+     ORDER BY p.name`,
+    [Number(id)]
+  );
+  return NextResponse.json(splits);
+}
+
+export async function POST(
+  req: NextRequest,
+  { params }: { params: Promise<{ id: string }> }
+) {
+  const { id } = await params;
+  const transactionId = Number(id);
+  const { splits } = (await req.json()) as { splits: SplitInput[] };
+
+  if (!splits || !Array.isArray(splits) || splits.length === 0) {
+    return NextResponse.json({ error: "splits array required" }, { status: 400 });
+  }
+
+  const total = splits.reduce((sum, s) => sum + Number(s.share_percent), 0);
+  if (Math.abs(total - 100) > 0.01) {
+    return NextResponse.json(
+      { error: `Shares must sum to 100%, got ${total}%` },
+      { status: 400 }
+    );
+  }
+
+  // Replace all splits for this transaction atomically
+  await prisma.$transaction([
+    prisma.transaction_splits.deleteMany({ where: { transaction_id: transactionId } }),
+    ...splits.map((s) =>
+      prisma.transaction_splits.create({
+        data: {
+          transaction_id: transactionId,
+          participant_id: s.participant_id,
+          share_percent: s.share_percent,
+        },
+      })
+    ),
+  ]);
+
+  const result = await queryRaw<SplitRow>(
+    `SELECT ts.*, p.name FROM transaction_splits ts
+     JOIN participants p ON p.id = ts.participant_id
+     WHERE ts.transaction_id = $1 ORDER BY p.name`,
+    [transactionId]
+  );
+
+  return NextResponse.json(result);
+}
@@ -1,8 +1,635 @@
-export default function BudgetPage() {
+"use client";
+
+import { useState, Fragment, useMemo } from "react";
+import {
+  ComposedChart,
+  LineChart,
+  Bar,
+  Line,
+  XAxis,
+  YAxis,
+  Tooltip,
+  ResponsiveContainer,
+  Cell,
+  ReferenceLine,
+  Legend,
+} from "recharts";
+import { useQueryClient } from "@tanstack/react-query";
+import { useMonthlyAnalytics, useTransactions, useUpdateTransaction } from "@/lib/hooks";
+import { formatCategory, CATEGORIES } from "@/lib/categories";
+
+function currentMonthStr(): string {
+  const now = new Date();
+  return `${now.getFullYear()}-${String(now.getMonth() + 1).padStart(2, "0")}`;
+}
+function prevMonth(m: string): string {
+  const [year, month] = m.split("-").map(Number);
+  const d = new Date(year, month - 2, 1);
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`;
+}
+function nextMonth(m: string): string {
+  const [year, month] = m.split("-").map(Number);
+  const d = new Date(year, month, 1);
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, "0")}`;
+}
+function formatMonth(m: string): string {
+  const [year, month] = m.split("-");
+  return new Date(Number(year), Number(month) - 1, 1).toLocaleString("default", { month: "long", year: "numeric" });
+}
+function formatShortMonth(m: string): string {
+  const [year, month] = m.split("-");
+  return new Date(Number(year), Number(month) - 1, 1).toLocaleString("default", { month: "short" });
+}
+function fmt(n: number): string { return `$${n.toFixed(0)}`; }
+function fmtExact(n: number): string { return `$${n.toFixed(2)}`; }
+function deltaColor(n: number): string {
+  if (n > 0) return "text-red-400";
+  if (n < 0) return "text-emerald-400";
+  return "";
+}
+
+const TOOLTIP_STYLE = { background: "#18181b", border: "1px solid #3f3f46", borderRadius: 8, fontSize: 12 };
+
+const CATEGORY_COLORS: Record<string, string> = {
+  groceries: "#22c55e",
+  dining: "#f97316",
+  transport: "#06b6d4",
+  fuel: "#eab308",
+  shopping: "#ec4899",
+  utilities: "#8b5cf6",
+  entertainment: "#f43f5e",
+  travel: "#0ea5e9",
+  health: "#10b981",
+  insurance: "#64748b",
+  subscriptions: "#a78bfa",
+  cash_advance: "#dc2626",
+  government: "#78716c",
+  education: "#3b82f6",
+  rent: "#d97706",
+  transfers: "#6b7280",
+  income: "#34d399",
+  investment: "#818cf8",
+  personal_care: "#fb7185",
+  pets: "#86efac",
+  gifts: "#fcd34d",
+  charity: "#a3e635",
+  home_goods: "#67e8f9",
+  home_maintenance: "#c084fc",
+  other: "#71717a",
+};
+
+// ─── Tooltips ────────────────────────────────────────────────────────────────
+
+function TrendTooltip({ active, payload, label }: { active?: boolean; payload?: { dataKey: string; value: number; stroke: string }[]; label?: string }) {
+  if (!active || !payload?.length) return null;
+  const items = payload.filter((p) => p.value > 0.01).sort((a, b) => b.value - a.value);
+  if (!items.length) return null;
  return (
-    <div>
-      <h2 className="text-xl font-semibold mb-4">Budget</h2>
-      <p className="text-zinc-500">Coming soon - monthly budgets and analytics.</p>
+    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs min-w-40">
+      <p className="text-zinc-400 mb-2 font-medium">{label}</p>
+      {items.map((p) => (
+        <div key={p.dataKey} className="flex items-center gap-2 mb-0.5">
+          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: p.stroke }} />
+          <span className="text-zinc-400">{formatCategory(p.dataKey.replace("cat_", ""))}:</span>
+          <span className="text-zinc-100 tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
+        </div>
+      ))}
+    </div>
+  );
+}
+
+function ParetoTooltip({ active, payload }: { active?: boolean; payload?: { payload: { category: string; spent: number; pct: number; cumulative: number } }[] }) {
+  if (!active || !payload?.length) return null;
+  const d = payload[0].payload;
+  return (
+    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs">
+      <p className="font-medium text-zinc-300 mb-1">{formatCategory(d.category)}</p>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Spend</span><span>{fmtExact(d.spent)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Share</span><span>{d.pct}%</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Cumulative</span><span>{d.cumulative}%</span></div>
+    </div>
+  );
+}
+
+function CumulativeTooltip({ active, payload, label }: { active?: boolean; payload?: { dataKey: string; value: number; stroke: string }[]; label?: number }) {
+  if (!active || !payload?.length) return null;
+  return (
+    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs">
+      <p className="text-zinc-400 mb-1 font-medium">Day {label}</p>
+      {payload.map((p) => p.value != null && (
+        <div key={p.dataKey} className="flex items-center gap-2 mb-0.5">
+          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: p.stroke }} />
+          <span className="text-zinc-400">{p.dataKey === "actual" ? "Actual" : "Typical pace"}:</span>
+          <span className="text-zinc-100 tabular-nums ml-auto pl-2">{fmtExact(p.value)}</span>
+        </div>
+      ))}
+    </div>
+  );
+}
+
+// ─── CategoryPanel ────────────────────────────────────────────────────────────
+
+function CategoryPanel({ category, selectedMonth }: { category: string; selectedMonth: string }) {
+  const qc = useQueryClient();
+  const updateTx = useUpdateTransaction();
+  const from = `${selectedMonth}-01`;
+  const [year, month] = selectedMonth.split("-").map(Number);
+  const nextDate = new Date(year, month, 1);
+  const to = `${nextDate.getFullYear()}-${String(nextDate.getMonth() + 1).padStart(2, "0")}-01`;
+  const { data, isLoading } = useTransactions({ category, from, to, limit: 200 });
+  const txns = data?.data || [];
+
+  return (
+    <tr>
+      <td colSpan={4} className="px-0 pb-2 bg-zinc-950/60 border-b border-zinc-800">
+        {isLoading ? (
+          <p className="text-xs text-zinc-500 px-6 py-2">Loading...</p>
+        ) : txns.length === 0 ? (
+          <p className="text-xs text-zinc-600 px-6 py-2">No transactions</p>
+        ) : (
+          <table className="w-full text-xs">
+            <thead>
+              <tr className="text-zinc-600">
+                <th className="text-left px-6 py-1 font-normal w-24">Date</th>
+                <th className="text-left px-2 py-1 font-normal">Description</th>
+                <th className="text-right px-2 py-1 font-normal w-24">Amount</th>
+                <th className="text-right px-4 py-1 font-normal w-36">Category</th>
+              </tr>
+            </thead>
+            <tbody>
+              {txns.map((tx) => (
+                <tr key={tx.id} className="border-t border-zinc-800/30 hover:bg-zinc-800/20">
+                  <td className="px-6 py-1.5 text-zinc-500 tabular-nums">{tx.transaction_date.slice(5).replace("-", "/")}</td>
+                  <td className="px-2 py-1.5 text-zinc-300 max-w-xs truncate">{tx.effective_merchant || tx.description}</td>
+                  <td className="px-2 py-1.5 text-right tabular-nums text-zinc-300">{fmtExact(Number(tx.amount))}</td>
+                  <td className="px-4 py-1.5 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 cursor-pointer"
+                      defaultValue={tx.effective_category}
+                      onChange={(e) =>
+                        updateTx.mutate({ id: tx.id, category: e.target.value }, {
+                          onSuccess: () => qc.invalidateQueries({ queryKey: ["analytics"] }),
+                        })
+                      }
+                    >
+                      {CATEGORIES.map((cat) => (
+                        <option key={cat} value={cat}>{formatCategory(cat)}</option>
+                      ))}
+                    </select>
+                  </td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+        )}
+      </td>
+    </tr>
+  );
+}
+
+// ─── Page ─────────────────────────────────────────────────────────────────────
+
+export default function AnalyticsPage() {
+  const [selectedMonth, setSelectedMonth] = useState(currentMonthStr);
+  const [expandedCategory, setExpandedCategory] = useState<string | null>(null);
+  const { data: analytics, isLoading } = useMonthlyAnalytics(6);
+
+  // Cumulative chart: fetch this month's transactions
+  const smFrom = `${selectedMonth}-01`;
+  const [smYear, smMonth] = selectedMonth.split("-").map(Number);
+  const smNextDate = new Date(smYear, smMonth, 1);
+  const smTo = `${smNextDate.getFullYear()}-${String(smNextDate.getMonth() + 1).padStart(2, "0")}-01`;
+  const { data: monthTxData } = useTransactions({ from: smFrom, to: smTo, limit: 1000 });
+
+  const months = useMemo(() => analytics ? [...analytics.months].reverse() : [], [analytics]);
+
+  // Category rows for selected month
+  const categoryRows = useMemo(() => {
+    if (!analytics) return [];
+    return analytics.rows
+      .filter((r) => (r.spent[selectedMonth] || 0) > 0)
+      .map((r) => ({ category: r.category, spent: r.spent[selectedMonth] || 0, txCount: r.txCount[selectedMonth] || 0 }))
+      .sort((a, b) => b.spent - a.spent);
+  }, [analytics, selectedMonth]);
+
+  // Trend line data — top 8 categories by total 6-month spend
+  const trendData = useMemo(() => {
+    if (!analytics) return { data: [], categories: [] };
+    const categoryTotals = analytics.rows
+      .map((r) => ({ category: r.category, total: months.reduce((s, m) => s + (r.spent[m] || 0), 0) }))
+      .sort((a, b) => b.total - a.total)
+      .slice(0, 8)
+      .map((r) => r.category);
+
+    const data = months.map((m) => {
+      const entry: Record<string, unknown> = { month: m, label: formatShortMonth(m) };
+      for (const cat of categoryTotals) {
+        const row = analytics.rows.find((r) => r.category === cat);
+        entry[`cat_${cat}`] = row?.spent[m] || 0;
+      }
+      return entry;
+    });
+    return { data, categories: categoryTotals };
+  }, [analytics, months]);
+
+  // Pareto chart data
+  const paretoData = useMemo(() => {
+    const total = categoryRows.reduce((s, r) => s + r.spent, 0);
+    let running = 0;
+    return categoryRows.map((r) => {
+      running += r.spent;
+      return {
+        category: r.category,
+        spent: r.spent,
+        pct: total > 0 ? Math.round((r.spent / total) * 1000) / 10 : 0,
+        cumulative: total > 0 ? Math.round((running / total) * 1000) / 10 : 0,
+      };
+    });
+  }, [categoryRows]);
+
+  // Cumulative spend chart data
+  const cumulativeData = useMemo(() => {
+    const daysInMonth = new Date(smYear, smMonth, 0).getDate();
+    const isCurrentMonth = selectedMonth === currentMonthStr();
+    const today = new Date();
+    const lastDay = isCurrentMonth ? today.getDate() : daysInMonth;
+
+    // Daily spend from transactions
+    const daily: Record<number, number> = {};
+    (monthTxData?.data ?? [])
+      .filter((tx) => tx.transaction_type === "debit" && !["transfers", "investment"].includes(tx.effective_category))
+      .forEach((tx) => {
+        const day = new Date(tx.transaction_date).getDate();
+        daily[day] = (daily[day] || 0) + Number(tx.amount_aud ?? tx.amount);
+      });
+
+    // Typical pace: avg of prior months (straight-line ramp)
+    const priorMonths = analytics?.months.filter((m) => m !== selectedMonth) ?? [];
+    const priorAvg = priorMonths.length > 0
+      ? priorMonths.reduce((s, m) => s + (analytics?.totals[m]?.spent || 0), 0) / priorMonths.length
+      : 0;
+
+    let cum = 0;
+    return Array.from({ length: daysInMonth }, (_, i) => {
+      const day = i + 1;
+      if (day <= lastDay) cum += daily[day] || 0;
+      return {
+        day,
+        actual: day <= lastDay ? Math.round(cum * 100) / 100 : null,
+        typical: Math.round((priorAvg * day / daysInMonth) * 100) / 100,
+      };
+    });
+  }, [monthTxData, analytics, selectedMonth, smYear, smMonth]);
+
+  if (isLoading || !analytics) {
+    return (
+      <div className="space-y-6">
+        <h2 className="text-xl font-semibold">Analytics</h2>
+        <p className="text-zinc-500 text-sm">Loading...</p>
+      </div>
+    );
+  }
+
+  const totals = analytics.totals[selectedMonth] ?? { spent: 0, income: 0, investments: 0, net: 0 };
+  const lastTotals = analytics.totals[prevMonth(selectedMonth)] ?? { spent: 0, income: 0, investments: 0, net: 0 };
+  const spentDelta = totals.spent - lastTotals.spent;
+  const largestCategory = categoryRows[0];
+  const hasIncome = months.some((m) => (analytics.totals[m]?.income || 0) > 0);
+  const hasInvestments = months.some((m) => (analytics.totals[m]?.investments || 0) > 0);
+
+  // Pareto: find where cumulative crosses 80%
+  const pareto80idx = paretoData.findIndex((r) => r.cumulative >= 80);
+
+  return (
+    <div className="space-y-6">
+
+      {/* Header + month selector */}
+      <div className="flex items-center justify-between">
+        <h2 className="text-xl font-semibold">Analytics</h2>
+        <div className="flex items-center gap-3">
+          <button onClick={() => setSelectedMonth(prevMonth(selectedMonth))} className="p-2 rounded-lg bg-zinc-800 hover:bg-zinc-700 text-sm leading-none">‹</button>
+          <span className="text-sm font-medium min-w-36 text-center">{formatMonth(selectedMonth)}</span>
+          <button onClick={() => setSelectedMonth(nextMonth(selectedMonth))} className="p-2 rounded-lg bg-zinc-800 hover:bg-zinc-700 text-sm leading-none">›</button>
+        </div>
+      </div>
+
+      {/* Summary cards */}
+      <div className={`grid gap-4 ${hasIncome ? "grid-cols-2 sm:grid-cols-4" : "grid-cols-3"}`}>
+        {hasIncome && (
+          <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+            <p className="text-xs text-zinc-500 mb-1">Income</p>
+            <p className="text-2xl font-semibold text-emerald-400">{fmtExact(totals.income)}</p>
+            <p className="text-xs text-zinc-500 mt-1">received</p>
+          </div>
+        )}
+        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+          <p className="text-xs text-zinc-500 mb-1">Expenses</p>
+          <p className="text-2xl font-semibold">{fmtExact(totals.spent)}</p>
+          <p className={`text-xs mt-1 ${deltaColor(spentDelta)}`}>
+            {spentDelta === 0 || lastTotals.spent === 0
+              ? <span className="text-zinc-500">split-adjusted</span>
+              : `${spentDelta > 0 ? "+" : ""}${fmtExact(spentDelta)} vs ${formatShortMonth(prevMonth(selectedMonth))}`}
+          </p>
+        </div>
+        {(hasInvestments || totals.investments > 0) && (
+          <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+            <p className="text-xs text-zinc-500 mb-1">Invested</p>
+            <p className="text-2xl font-semibold text-indigo-400">{fmtExact(totals.investments)}</p>
+            <p className="text-xs text-zinc-500 mt-1">shares / ETFs</p>
+          </div>
+        )}
+        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+          <p className="text-xs text-zinc-500 mb-1">{hasIncome ? "Net Cash" : "Largest Category"}</p>
+          {hasIncome ? (
+            <>
+              <p className={`text-2xl font-semibold ${totals.net >= 0 ? "text-emerald-400" : "text-red-400"}`}>
+                {totals.net >= 0 ? "+" : ""}{fmtExact(totals.net)}
+              </p>
+              <p className="text-xs text-zinc-500 mt-1">income − expenses − invested</p>
+            </>
+          ) : largestCategory ? (
+            <>
+              <p className="text-2xl font-semibold">{fmtExact(largestCategory.spent)}</p>
+              <p className="text-xs text-zinc-400 mt-1">{formatCategory(largestCategory.category)}</p>
+            </>
+          ) : (
+            <p className="text-2xl font-semibold text-zinc-600">—</p>
+          )}
+        </div>
+      </div>
+
+      {/* 1. Category trend lines */}
+      {trendData.categories.length > 0 && (
+        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+          <h3 className="text-sm font-medium mb-4">Category Trends — 6 Months</h3>
+          <ResponsiveContainer width="100%" height={240}>
+            <LineChart
+              data={trendData.data}
+              margin={{ top: 4, right: 8, bottom: 0, left: 8 }}
+              onClick={(d) => {
+                const month = (d as any)?.activePayload?.[0]?.payload?.month as string | undefined;
+                if (month) setSelectedMonth(month);
+              }}
+              style={{ cursor: "pointer" }}
+            >
+              <XAxis dataKey="label" tick={{ fill: "#71717a", fontSize: 12 }} axisLine={false} tickLine={false} />
+              <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${v}`} width={52} />
+              <Tooltip content={<TrendTooltip />} cursor={{ stroke: "rgba(255,255,255,0.08)", strokeWidth: 1 }} />
+              {trendData.categories.map((cat) => (
+                <Line
+                  key={cat}
+                  dataKey={`cat_${cat}`}
+                  name={cat}
+                  stroke={CATEGORY_COLORS[cat] || "#71717a"}
+                  strokeWidth={selectedMonth && trendData.data.some((d) => (d as any).month === selectedMonth) ? 2 : 2}
+                  dot={{ fill: CATEGORY_COLORS[cat] || "#71717a", r: 3 }}
+                  activeDot={{ r: 5 }}
+                  connectNulls
+                />
+              ))}
+            </LineChart>
+          </ResponsiveContainer>
+          <div className="flex flex-wrap gap-x-3 gap-y-1 mt-3 pt-3 border-t border-zinc-800">
+            {trendData.categories.map((cat) => (
+              <span key={cat} className="flex items-center gap-1 text-xs text-zinc-500">
+                <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[cat] || "#71717a" }} />
+                {formatCategory(cat)}
+              </span>
+            ))}
+            {analytics.rows.length > 8 && (
+              <span className="text-xs text-zinc-600">+ {analytics.rows.length - 8} more in table below</span>
+            )}
+          </div>
+        </div>
+      )}
+
+      {/* 2. Pareto chart */}
+      {paretoData.length > 0 && (
+        <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+          <div className="flex items-center justify-between mb-4">
+            <h3 className="text-sm font-medium">Spend Concentration — {formatMonth(selectedMonth)}</h3>
+            {pareto80idx >= 0 && (
+              <span className="text-xs text-zinc-500">
+                Top {pareto80idx + 1} categor{pareto80idx === 0 ? "y" : "ies"} = 80% of spend
+              </span>
+            )}
+          </div>
+          <ResponsiveContainer width="100%" height={220}>
+            <ComposedChart data={paretoData} margin={{ top: 4, right: 48, bottom: 0, left: 8 }}>
+              <XAxis
+                dataKey="category"
+                tick={{ fill: "#71717a", fontSize: 11 }}
+                axisLine={false}
+                tickLine={false}
+                tickFormatter={formatCategory}
+              />
+              <YAxis
+                yAxisId="left"
+                tick={{ fill: "#71717a", fontSize: 11 }}
+                axisLine={false}
+                tickLine={false}
+                tickFormatter={(v) => `$${v}`}
+                width={52}
+              />
+              <YAxis
+                yAxisId="right"
+                orientation="right"
+                tick={{ fill: "#71717a", fontSize: 11 }}
+                axisLine={false}
+                tickLine={false}
+                tickFormatter={(v) => `${v}%`}
+                domain={[0, 100]}
+                width={36}
+              />
+              <Tooltip content={<ParetoTooltip />} cursor={{ fill: "rgba(255,255,255,0.04)" }} />
+              <ReferenceLine yAxisId="right" y={80} stroke="#52525b" strokeDasharray="4 2" label={{ value: "80%", fill: "#71717a", fontSize: 10, position: "right" }} />
+              <Bar yAxisId="left" dataKey="spent" radius={[3, 3, 0, 0]} maxBarSize={40}>
+                {paretoData.map((entry, i) => (
+                  <Cell
+                    key={entry.category}
+                    fill={i <= pareto80idx ? (CATEGORY_COLORS[entry.category] || "#6366f1") : "#3f3f46"}
+                  />
+                ))}
+              </Bar>
+              <Line
+                yAxisId="right"
+                dataKey="cumulative"
+                stroke="#fbbf24"
+                strokeWidth={2}
+                dot={{ fill: "#fbbf24", r: 3 }}
+                activeDot={{ r: 5 }}
+              />
+            </ComposedChart>
+          </ResponsiveContainer>
+          <div className="flex items-center gap-4 mt-2 justify-end">
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-0.5 bg-amber-400 inline-block" />Cumulative %</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" />Below 80% threshold</span>
+          </div>
+        </div>
+      )}
+
+      {/* 3. Cumulative spend this month */}
+      <div className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+        <div className="flex items-center justify-between mb-4">
+          <h3 className="text-sm font-medium">Cumulative Spend — {formatMonth(selectedMonth)}</h3>
+          <span className="text-xs text-zinc-500">vs avg monthly pace</span>
+        </div>
+        <ResponsiveContainer width="100%" height={180}>
+          <LineChart data={cumulativeData} margin={{ top: 4, right: 8, bottom: 0, left: 8 }}>
+            <XAxis dataKey="day" tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `${v}`} interval={4} />
+            <YAxis tick={{ fill: "#71717a", fontSize: 11 }} axisLine={false} tickLine={false} tickFormatter={(v) => `$${(v / 1000).toFixed(1)}k`} width={44} />
+            <Tooltip content={<CumulativeTooltip />} cursor={{ stroke: "rgba(255,255,255,0.08)", strokeWidth: 1 }} />
+            <Line dataKey="typical" stroke="#3f3f46" strokeWidth={1.5} strokeDasharray="4 3" dot={false} name="typical" />
+            <Line dataKey="actual" stroke="#6366f1" strokeWidth={2} dot={false} activeDot={{ r: 4 }} connectNulls={false} name="actual" />
+          </LineChart>
+        </ResponsiveContainer>
+        <div className="flex items-center gap-4 mt-2 justify-end">
+          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 bg-indigo-500 inline-block" />This month</span>
+          <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-4 h-0.5 bg-zinc-600 inline-block" style={{ borderTop: "1px dashed #52525b", display: "inline-block" }} />Typical pace</span>
+        </div>
+      </div>
+
+      {/* Category breakdown table — expandable rows */}
+      {categoryRows.length > 0 && (
+        <div className="bg-zinc-900 border border-zinc-700 rounded-xl overflow-hidden">
+          <div className="px-4 py-3 border-b border-zinc-800">
+            <h3 className="text-sm font-medium">Spending Breakdown — {formatMonth(selectedMonth)}</h3>
+          </div>
+          <table className="w-full text-sm">
+            <thead>
+              <tr className="border-b border-zinc-800">
+                <th className="text-left px-4 py-2 text-xs text-zinc-500 font-medium">Category</th>
+                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">Spent</th>
+                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium"># Txns</th>
+                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">% of Total</th>
+              </tr>
+            </thead>
+            <tbody>
+              {categoryRows.map(({ category, spent, txCount }) => {
+                const isExpanded = expandedCategory === category;
+                return (
+                  <Fragment key={category}>
+                    <tr
+                      className={`border-b border-zinc-800/50 cursor-pointer select-none transition-colors ${isExpanded ? "bg-zinc-800/40" : "hover:bg-zinc-800/30"}`}
+                      onClick={() => setExpandedCategory(isExpanded ? null : category)}
+                    >
+                      <td className="px-4 py-2.5 font-medium">
+                        <span className="flex items-center gap-2">
+                          <span className="w-2 h-2 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[category] || "#71717a" }} />
+                          {formatCategory(category)}
+                          <span className="text-zinc-600 text-xs ml-1">{isExpanded ? "▲" : "▼"}</span>
+                        </span>
+                      </td>
+                      <td className="px-4 py-2.5 text-right tabular-nums">{fmtExact(spent)}</td>
+                      <td className="px-4 py-2.5 text-right text-zinc-400">{txCount}</td>
+                      <td className="px-4 py-2.5 text-right text-zinc-400 tabular-nums">
+                        {totals.spent > 0 ? ((spent / totals.spent) * 100).toFixed(1) : "0.0"}%
+                      </td>
+                    </tr>
+                    {isExpanded && <CategoryPanel category={category} selectedMonth={selectedMonth} />}
+                  </Fragment>
+                );
+              })}
+            </tbody>
+          </table>
+        </div>
+      )}
+
+      {/* 6-month trend table */}
+      {analytics.months.length > 0 && (
+        <div>
+          <h3 className="text-sm font-semibold text-zinc-400 mb-3">6-Month Trend</h3>
+          <div className="overflow-x-auto rounded-xl border border-zinc-700">
+            <table className="w-full text-xs border-collapse">
+              <thead>
+                <tr className="border-b border-zinc-800 bg-zinc-900">
+                  <th className="text-left px-3 py-2 text-zinc-500 font-medium sticky left-0 bg-zinc-900 min-w-32">Category</th>
+                  {analytics.months.map((m) => (
+                    <th
+                      key={m}
+                      className={`text-right px-3 py-2 font-medium whitespace-nowrap cursor-pointer hover:text-zinc-300 ${m === selectedMonth ? "text-indigo-400" : "text-zinc-500"}`}
+                      onClick={() => setSelectedMonth(m)}
+                    >
+                      {formatShortMonth(m)}
+                    </th>
+                  ))}
+                </tr>
+              </thead>
+              <tbody>
+                {analytics.rows.map((row) => (
+                  <tr key={row.category} className="border-b border-zinc-800/40 hover:bg-zinc-900/30">
+                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950">
+                      <span className="flex items-center gap-1.5">
+                        <span className="w-1.5 h-1.5 rounded-sm shrink-0" style={{ background: CATEGORY_COLORS[row.category] || "#71717a" }} />
+                        {formatCategory(row.category)}
+                      </span>
+                    </td>
+                    {analytics.months.map((m) => {
+                      const spent = row.spent[m];
+                      return (
+                        <td key={m} className={`px-3 py-2 text-right tabular-nums ${spent === undefined ? "text-zinc-700" : "text-zinc-300"} ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                          {spent !== undefined ? fmt(spent) : "—"}
+                        </td>
+                      );
+                    })}
+                  </tr>
+                ))}
+                {hasIncome && (
+                  <tr className="border-b border-zinc-800/40">
+                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-emerald-600">Income</td>
+                    {analytics.months.map((m) => {
+                      const inc = analytics.income[m];
+                      return (
+                        <td key={m} className={`px-3 py-2 text-right tabular-nums text-emerald-500 ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                          {inc ? fmt(inc) : "—"}
+                        </td>
+                      );
+                    })}
+                  </tr>
+                )}
+                {hasInvestments && (
+                  <tr className="border-b border-zinc-800/40">
+                    <td className="px-3 py-2 font-medium sticky left-0 bg-zinc-950 text-indigo-500">Invested</td>
+                    {analytics.months.map((m) => {
+                      const inv = analytics.investments[m];
+                      return (
+                        <td key={m} className={`px-3 py-2 text-right tabular-nums text-indigo-400 ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                          {inv ? fmt(inv) : "—"}
+                        </td>
+                      );
+                    })}
+                  </tr>
+                )}
+                <tr className="border-t-2 border-zinc-700 font-semibold bg-zinc-900/50">
+                  <td className="px-3 py-2 sticky left-0 bg-zinc-900">Expenses</td>
+                  {analytics.months.map((m) => {
+                    const t = analytics.totals[m];
+                    return (
+                      <td key={m} className={`px-3 py-2 text-right tabular-nums ${m === selectedMonth ? "bg-zinc-800/30 text-indigo-300" : ""}`}>
+                        {fmt(t?.spent || 0)}
+                      </td>
+                    );
+                  })}
+                </tr>
+                {hasIncome && (
+                  <tr className="font-semibold bg-zinc-900/50">
+                    <td className="px-3 py-2 sticky left-0 bg-zinc-900">Net Cash</td>
+                    {analytics.months.map((m) => {
+                      const t = analytics.totals[m];
+                      const net = t?.net || 0;
+                      return (
+                        <td key={m} className={`px-3 py-2 text-right tabular-nums ${net >= 0 ? "text-emerald-400" : "text-red-400"} ${m === selectedMonth ? "bg-zinc-800/30" : ""}`}>
+                          {net >= 0 ? "+" : ""}{fmt(net)}
+                        </td>
+                      );
+                    })}
+                  </tr>
+                )}
+              </tbody>
+            </table>
+          </div>
+        </div>
+      )}
    </div>
  );
 }
@@ -0,0 +1,267 @@
+"use client";
+
+import { useMemo } from "react";
+import {
+  ComposedChart, Bar, Line, XAxis, YAxis, Tooltip, ResponsiveContainer, Cell, Legend,
+} from "recharts";
+import { useMonthlyAnalytics, useSubscriptions, useFees } from "@/lib/hooks";
+import { formatCategory } from "@/lib/categories";
+
+const COMMITTED_CATEGORIES = new Set(["rent", "utilities", "insurance", "subscriptions"]);
+
+function fmt(n: number) {
+  return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", maximumFractionDigits: 0 }).format(n);
+}
+function fmtExact(n: number) {
+  return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", minimumFractionDigits: 2 }).format(n);
+}
+function fmtDate(d: string) {
+  return new Date(d).toLocaleDateString("en-AU", { month: "short", year: "numeric" });
+}
+function trend(values: number[]): { pct: number; dir: "up" | "down" | "flat" } {
+  if (values.length < 2) return { pct: 0, dir: "flat" };
+  const recent = values.slice(-3).reduce((a, b) => a + b, 0) / 3;
+  const prior = values.slice(0, 3).reduce((a, b) => a + b, 0) / 3;
+  if (prior === 0) return { pct: 0, dir: "flat" };
+  const pct = Math.round(((recent - prior) / prior) * 100);
+  return { pct: Math.abs(pct), dir: pct > 2 ? "up" : pct < -2 ? "down" : "flat" };
+}
+
+const FREQ_LABEL: Record<string, string> = {
+  weekly: "Weekly",
+  fortnightly: "Fortnightly",
+  monthly: "Monthly",
+  quarterly: "Quarterly",
+  annual: "Annual",
+};
+
+// ─── Section wrapper ────────────────────────────────────────────────
+function Section({ title, children }: { title: string; children: React.ReactNode }) {
+  return (
+    <div className="mb-8">
+      <h3 className="text-base font-semibold text-zinc-200 mb-3">{title}</h3>
+      {children}
+    </div>
+  );
+}
+
+// ─── Custom tooltip ──────────────────────────────────────────────────
+function CommittedTooltip({ active, payload, label }: any) {
+  if (!active || !payload?.length) return null;
+  const committed = payload.find((p: any) => p.dataKey === "committed")?.value ?? 0;
+  const discretionary = payload.find((p: any) => p.dataKey === "discretionary")?.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-zinc-400">Discretionary</span><span>{fmt(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(committed + discretionary)}</span></div>
+    </div>
+  );
+}
+
+// ─── Main page ────────────────────────────────────────────────────────
+export default function InsightsPage() {
+  const { data: analytics } = useMonthlyAnalytics(12);
+  const { data: subData } = useSubscriptions();
+  const { data: feesData } = useFees();
+
+  // Build committed/discretionary chart data
+  const chartData = useMemo(() => {
+    if (!analytics) return [];
+    return [...analytics.months].reverse().map((month) => {
+      let committed = 0;
+      let discretionary = 0;
+      for (const row of analytics.rows) {
+        const spend = Number(row.spent[month] ?? 0);
+        if (COMMITTED_CATEGORIES.has(row.category)) committed += spend;
+        else discretionary += spend;
+      }
+      return {
+        month: month.slice(5) + "/" + month.slice(2, 4),
+        committed: Math.round(committed),
+        discretionary: Math.round(discretionary),
+        total: Math.round(committed + discretionary),
+      };
+    });
+  }, [analytics]);
+
+  const committedValues = chartData.map((d) => d.committed);
+  const committedTrend = trend(committedValues);
+  const avgCommitted = committedValues.length
+    ? Math.round(committedValues.reduce((a, b) => a + b, 0) / committedValues.length)
+    : 0;
+  const latestCommitted = committedValues[committedValues.length - 1] ?? 0;
+
+  const activeSubscriptions = subData?.subscriptions.filter((s) => s.is_active) ?? [];
+  const inactiveSubscriptions = subData?.subscriptions.filter((s) => !s.is_active) ?? [];
+
+  return (
+    <div className="max-w-4xl">
+      <h2 className="text-xl font-semibold mb-6">Insights</h2>
+
+      {/* ── 1. Committed vs Discretionary ── */}
+      <Section title="Committed vs Discretionary 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-xl font-semibold text-indigo-400">{fmt(latestCommitted)}</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-xl font-semibold text-zinc-200">{fmt(avgCommitted)}</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"}`}>
+              {committedTrend.dir === "up" ? "↑" : committedTrend.dir === "down" ? "↓" : "→"} {committedTrend.pct}%
+            </div>
+          </div>
+        </div>
+        <div className="bg-zinc-900 border border-zinc-800 rounded-lg p-4">
+          <ResponsiveContainer width="100%" height={220}>
+            <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 />} />
+              <Bar dataKey="committed" stackId="a" fill="#6366f1" name="Committed" radius={[0, 0, 0, 0]} />
+              <Bar dataKey="discretionary" stackId="a" fill="#3f3f46" name="Discretionary" radius={[3, 3, 0, 0]} />
+              <Line type="monotone" dataKey="committed" 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-zinc-600 inline-block" />Discretionary</span>
+          </div>
+        </div>
+      </Section>
+
+      {/* ── 2. Recurring Charges ── */}
+      <Section title="Recurring Charges">
+        {!subData ? (
+          <p className="text-zinc-500 text-sm">Loading...</p>
+        ) : subData.subscriptions.length === 0 ? (
+          <p className="text-zinc-500 text-sm">No recurring patterns detected yet — more transaction history needed.</p>
+        ) : (
+          <>
+            <div className="flex items-center justify-between mb-2">
+              <span className="text-xs text-zinc-500">{activeSubscriptions.length} active · {inactiveSubscriptions.length} inactive</span>
+              <span className="text-sm font-medium text-indigo-400">{fmtExact(subData.total_monthly_equiv)}<span className="text-xs text-zinc-500 font-normal ml-1">/ month committed</span></span>
+            </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">Merchant</th>
+                    <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Category</th>
+                    <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Frequency</th>
+                    <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">My $/mo equiv</th>
+                    <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Avg charge</th>
+                    <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Since</th>
+                    <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Total paid</th>
+                    <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Count</th>
+                  </tr>
+                </thead>
+                <tbody>
+                  {[...activeSubscriptions, ...inactiveSubscriptions].map((s) => (
+                    <tr key={s.merchant} className={`border-b border-zinc-800/50 ${s.is_active ? "hover:bg-zinc-800/20" : "opacity-40"} transition-colors`}>
+                      <td className="px-4 py-3 font-medium">{s.merchant}</td>
+                      <td className="px-4 py-3 text-zinc-400 text-xs">{formatCategory(s.category ?? "other")}</td>
+                      <td className="px-4 py-3">
+                        <span className={`text-xs px-2 py-0.5 rounded-full ${s.is_active ? "bg-indigo-900/40 text-indigo-300" : "bg-zinc-800 text-zinc-500"}`}>
+                          {FREQ_LABEL[s.frequency] ?? s.frequency}
+                        </span>
+                      </td>
+                      <td className="px-4 py-3 text-right tabular-nums text-zinc-200">{fmtExact(s.monthly_equiv)}</td>
+                      <td className="px-4 py-3 text-right tabular-nums text-zinc-400">{fmtExact(s.avg_amount)}</td>
+                      <td className="px-4 py-3 text-right text-zinc-500 text-xs whitespace-nowrap">{fmtDate(s.first_seen)}</td>
+                      <td className="px-4 py-3 text-right tabular-nums text-zinc-400">{fmtExact(s.total_paid)}</td>
+                      <td className="px-4 py-3 text-right text-zinc-500">{s.occurrences}</td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+            </div>
+          </>
+        )}
+      </Section>
+
+      {/* ── 3. Fees & Interest ── */}
+      <Section title="Fees & Interest">
+        {!feesData ? (
+          <p className="text-zinc-500 text-sm">Loading...</p>
+        ) : feesData.by_bank.length === 0 && feesData.transactions.length === 0 ? (
+          <p className="text-zinc-500 text-sm">No fees or interest recorded across your statements.</p>
+        ) : (
+          <div className="space-y-4">
+            {feesData.by_bank.length > 0 && (
+              <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">Bank</th>
+                      <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Fees</th>
+                      <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Interest</th>
+                      <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Total</th>
+                    </tr>
+                  </thead>
+                  <tbody>
+                    {feesData.by_bank.map((r) => (
+                      <tr key={r.bank_name} className="border-b border-zinc-800/50">
+                        <td className="px-4 py-3 font-medium">{r.bank_name}</td>
+                        <td className="px-4 py-3 text-right tabular-nums text-zinc-400">{r.fees > 0 ? fmtExact(r.fees) : <span className="text-zinc-700">—</span>}</td>
+                        <td className="px-4 py-3 text-right tabular-nums text-zinc-400">{r.interest > 0 ? fmtExact(r.interest) : <span className="text-zinc-700">—</span>}</td>
+                        <td className="px-4 py-3 text-right tabular-nums text-red-400 font-medium">{fmtExact(r.total)}</td>
+                      </tr>
+                    ))}
+                    <tr className="bg-zinc-900/50">
+                      <td className="px-4 py-2.5 text-xs text-zinc-500 font-medium">Total</td>
+                      <td className="px-4 py-2.5 text-right tabular-nums text-xs text-zinc-400">{fmtExact(feesData.total_fees)}</td>
+                      <td className="px-4 py-2.5 text-right tabular-nums text-xs text-zinc-400">{fmtExact(feesData.total_interest)}</td>
+                      <td className="px-4 py-2.5 text-right tabular-nums text-red-400 font-medium">{fmtExact(feesData.total_fees + feesData.total_interest)}</td>
+                    </tr>
+                  </tbody>
+                </table>
+              </div>
+            )}
+            {feesData.transactions.length > 0 && (
+              <div>
+                <p className="text-xs text-zinc-500 mb-2">Individual fee / interest transactions</p>
+                <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">Date</th>
+                        <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Bank</th>
+                        <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Description</th>
+                        <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Type</th>
+                        <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Amount</th>
+                      </tr>
+                    </thead>
+                    <tbody>
+                      {feesData.transactions.map((t) => (
+                        <tr key={t.id} className="border-b border-zinc-800/50 hover:bg-zinc-800/20">
+                          <td className="px-4 py-2.5 text-zinc-500 text-xs whitespace-nowrap">
+                            {new Date(t.transaction_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "numeric" })}
+                          </td>
+                          <td className="px-4 py-2.5 text-zinc-400 text-xs">{t.bank_name}</td>
+                          <td className="px-4 py-2.5 text-zinc-300">{t.description}</td>
+                          <td className="px-4 py-2.5">
+                            <span className={`text-xs px-2 py-0.5 rounded-full ${t.transaction_type === "interest" ? "bg-orange-900/40 text-orange-300" : "bg-zinc-800 text-zinc-400"}`}>
+                              {t.transaction_type}
+                            </span>
+                          </td>
+                          <td className="px-4 py-2.5 text-right tabular-nums text-red-400">{fmtExact(t.my_amount)}</td>
+                        </tr>
+                      ))}
+                    </tbody>
+                  </table>
+                </div>
+              </div>
+            )}
+          </div>
+        )}
+      </Section>
+    </div>
+  );
+}
@@ -0,0 +1,448 @@
+"use client";
+
+import { useState, useMemo } from "react";
+import {
+  ScatterChart,
+  Scatter,
+  XAxis,
+  YAxis,
+  Tooltip,
+  ResponsiveContainer,
+  Cell,
+  LineChart,
+  Line,
+  CartesianGrid,
+} from "recharts";
+import { useMerchants, useMerchantTransactions, MerchantRow } from "@/lib/hooks";
+import { formatCategory } from "@/lib/categories";
+
+function fmt(n: number) {
+  return new Intl.NumberFormat("en-AU", {
+    style: "currency",
+    currency: "AUD",
+    maximumFractionDigits: 0,
+  }).format(n);
+}
+function fmtExact(n: number) {
+  return new Intl.NumberFormat("en-AU", {
+    style: "currency",
+    currency: "AUD",
+    minimumFractionDigits: 2,
+  }).format(n);
+}
+function fmtDate(d: string) {
+  return new Date(d + "T00:00:00").toLocaleDateString("en-AU", {
+    day: "numeric",
+    month: "short",
+    year: "numeric",
+  });
+}
+
+const CATEGORY_COLORS: Record<string, string> = {
+  groceries: "#4ade80",
+  dining: "#fb923c",
+  transport: "#60a5fa",
+  fuel: "#facc15",
+  shopping: "#f472b6",
+  utilities: "#a78bfa",
+  entertainment: "#34d399",
+  travel: "#38bdf8",
+  health: "#f87171",
+  insurance: "#94a3b8",
+  subscriptions: "#c084fc",
+  government: "#6b7280",
+  education: "#fbbf24",
+  rent: "#e879f9",
+  home_goods: "#67e8f9",
+  home_maintenance: "#c084fc",
+  personal_care: "#fb7185",
+  pets: "#a3e635",
+  gifts: "#f9a8d4",
+  charity: "#6ee7b7",
+  other: "#71717a",
+};
+
+// Custom scatter tooltip
+function ScatterTooltip({
+  active,
+  payload,
+}: {
+  active?: boolean;
+  payload?: Array<{ payload: MerchantRow }>;
+}) {
+  if (!active || !payload?.length) return null;
+  const d = payload[0].payload;
+  return (
+    <div className="bg-zinc-800 border border-zinc-700 rounded-lg p-3 text-sm shadow-xl max-w-48">
+      <p className="font-semibold text-white truncate">{d.merchant}</p>
+      <p className="text-zinc-400 text-xs mt-0.5">{formatCategory(d.category)}</p>
+      <div className="mt-2 space-y-1 text-zinc-300">
+        <p>{fmt(d.net_spend)} net</p>
+        {d.refund_count > 0 && (
+          <p className="text-emerald-400 text-xs">{d.refund_count} refund(s) −{fmt(d.total_refunds)}</p>
+        )}
+        <p>{d.debit_count}× transactions</p>
+        <p>{fmtExact(d.avg_debit)} avg</p>
+      </div>
+    </div>
+  );
+}
+
+// Quadrant labels
+function QuadrantLabels({ medianX, medianY }: { medianX: number; medianY: number }) {
+  return (
+    <div className="absolute inset-0 pointer-events-none select-none">
+      <div className="absolute top-2 right-4 text-xs text-zinc-600 text-right">
+        high cost · frequent
+      </div>
+      <div className="absolute top-2 left-16 text-xs text-zinc-600">
+        high cost · rare
+      </div>
+      <div className="absolute bottom-8 right-4 text-xs text-zinc-600 text-right">
+        low cost · frequent
+      </div>
+      <div className="absolute bottom-8 left-16 text-xs text-zinc-600">
+        low cost · rare
+      </div>
+    </div>
+  );
+}
+
+// Merchant profile drawer
+function MerchantProfile({
+  merchant,
+  onClose,
+}: {
+  merchant: MerchantRow;
+  onClose: () => void;
+}) {
+  const { data } = useMerchantTransactions(merchant.merchant);
+  const transactions = data?.transactions ?? [];
+
+  // Build trend chart data from monthly_trend
+  const trendData = useMemo(() => {
+    const months = Object.keys(merchant.monthly_trend).sort();
+    return months.map((m) => ({
+      month: m,
+      label: new Date(m + "-01").toLocaleDateString("en-AU", { month: "short", year: "2-digit" }),
+      amount: merchant.monthly_trend[m],
+    }));
+  }, [merchant.monthly_trend]);
+
+  const color = CATEGORY_COLORS[merchant.category] || "#6366f1";
+
+  return (
+    <div className="fixed inset-0 z-50 flex justify-end">
+      {/* backdrop */}
+      <div className="absolute inset-0 bg-black/60" onClick={onClose} />
+      {/* drawer */}
+      <div className="relative w-full max-w-lg bg-zinc-900 border-l border-zinc-700 h-full overflow-y-auto flex flex-col shadow-2xl">
+        {/* Header */}
+        <div className="flex items-start justify-between p-5 border-b border-zinc-800">
+          <div className="flex-1 min-w-0 pr-4">
+            <h2 className="text-lg font-semibold text-white truncate">{merchant.merchant}</h2>
+            <span
+              className="inline-block mt-1 px-2 py-0.5 rounded text-xs font-medium"
+              style={{ background: color + "33", color }}
+            >
+              {formatCategory(merchant.category)}
+            </span>
+          </div>
+          <button
+            onClick={onClose}
+            className="text-zinc-400 hover:text-white text-xl leading-none mt-0.5"
+          >
+            ×
+          </button>
+        </div>
+
+        {/* Stats */}
+        <div className="grid grid-cols-3 gap-3 p-5 border-b border-zinc-800">
+          <div className="bg-zinc-800 rounded-lg p-3 text-center">
+            <p className="text-xs text-zinc-400 mb-1">Net Spent</p>
+            <p className="text-white font-semibold">{fmt(merchant.net_spend)}</p>
+          </div>
+          <div className="bg-zinc-800 rounded-lg p-3 text-center">
+            <p className="text-xs text-zinc-400 mb-1">Avg per Visit</p>
+            <p className="text-white font-semibold">{fmtExact(merchant.avg_debit)}</p>
+          </div>
+          <div className="bg-zinc-800 rounded-lg p-3 text-center">
+            <p className="text-xs text-zinc-400 mb-1">Visits</p>
+            <p className="text-white font-semibold">{merchant.debit_count}</p>
+          </div>
+        </div>
+        {/* Refund callout — only show if there are refunds */}
+        {merchant.refund_count > 0 && (
+          <div className="mx-5 mt-3 px-3 py-2 rounded-lg bg-emerald-900/20 border border-emerald-800/40 flex items-center justify-between text-sm">
+            <span className="text-emerald-400">
+              {merchant.refund_count} refund{merchant.refund_count > 1 ? "s" : ""}
+            </span>
+            <span className="text-zinc-300">
+              <span className="text-zinc-500 mr-2">gross {fmt(merchant.gross_spend)} − refunds</span>
+              <span className="text-emerald-400 font-medium">−{fmt(merchant.total_refunds)}</span>
+            </span>
+          </div>
+        )}
+
+        {/* Trend chart */}
+        {trendData.length > 1 && (
+          <div className="p-5 border-b border-zinc-800">
+            <p className="text-sm font-medium text-zinc-300 mb-3">Monthly Spend</p>
+            <ResponsiveContainer width="100%" height={120}>
+              <LineChart data={trendData}>
+                <CartesianGrid stroke="#27272a" strokeDasharray="3 3" />
+                <XAxis
+                  dataKey="label"
+                  tick={{ fill: "#71717a", fontSize: 10 }}
+                  axisLine={false}
+                  tickLine={false}
+                />
+                <YAxis
+                  tick={{ fill: "#71717a", fontSize: 10 }}
+                  axisLine={false}
+                  tickLine={false}
+                  tickFormatter={(v) => `$${Math.round(v)}`}
+                  width={45}
+                />
+                <Tooltip
+                  contentStyle={{ background: "#18181b", border: "1px solid #3f3f46", borderRadius: "8px" }}
+                  labelStyle={{ color: "#a1a1aa" }}
+                />
+                <Line
+                  type="monotone"
+                  dataKey="amount"
+                  stroke={color}
+                  strokeWidth={2}
+                  dot={{ fill: color, r: 3 }}
+                />
+              </LineChart>
+            </ResponsiveContainer>
+          </div>
+        )}
+
+        {/* Transaction history */}
+        <div className="p-5 flex-1">
+          <p className="text-sm font-medium text-zinc-300 mb-3">
+            Transactions{" "}
+            <span className="text-zinc-500 font-normal">({transactions.length})</span>
+          </p>
+          {transactions.length === 0 ? (
+            <p className="text-zinc-500 text-sm">Loading…</p>
+          ) : (
+            <div className="space-y-1">
+              {transactions.map((tx) => (
+                <div
+                  key={tx.id}
+                  className="flex items-center justify-between py-2 border-b border-zinc-800 text-sm"
+                >
+                  <div className="flex-1 min-w-0 pr-3">
+                    <p className="text-zinc-300 truncate">{tx.description}</p>
+                    <p className="text-zinc-500 text-xs mt-0.5">
+                      {fmtDate(tx.transaction_date)} · {tx.bank_name}
+                    </p>
+                  </div>
+                  <p className="text-white font-medium whitespace-nowrap">
+                    {fmtExact(tx.my_amount)}
+                  </p>
+                </div>
+              ))}
+            </div>
+          )}
+        </div>
+      </div>
+    </div>
+  );
+}
+
+export default function MerchantsPage() {
+  const [months, setMonths] = useState(12);
+  const [selected, setSelected] = useState<MerchantRow | null>(null);
+  const [search, setSearch] = useState("");
+
+  const { data, isLoading } = useMerchants(months);
+  const merchants = data?.merchants ?? [];
+
+  // Stats for median lines
+  const { medianX, medianY } = useMemo(() => {
+    if (merchants.length === 0) return { medianX: 0, medianY: 0 };
+    const counts = [...merchants].sort((a, b) => a.debit_count - b.debit_count);
+    const spends = [...merchants].sort((a, b) => a.net_spend - b.net_spend);
+    const mid = Math.floor(merchants.length / 2);
+    return {
+      medianX: counts[mid]?.debit_count ?? 0,
+      medianY: spends[mid]?.net_spend ?? 0,
+    };
+  }, [merchants]);
+
+  // Filtered merchants for the table
+  const filtered = useMemo(() => {
+    if (!search.trim()) return merchants;
+    const q = search.toLowerCase();
+    return merchants.filter((m) => m.merchant.toLowerCase().includes(q));
+  }, [merchants, search]);
+
+  // Top merchants for the scatter (max 150 for performance)
+  const scatterData = useMemo(() => merchants.slice(0, 150), [merchants]);
+
+  if (isLoading) {
+    return (
+      <div className="p-8 text-zinc-400">Loading merchant data…</div>
+    );
+  }
+
+  return (
+    <div className="p-6 max-w-6xl space-y-6">
+      {/* Header */}
+      <div className="flex items-center justify-between">
+        <div>
+          <h1 className="text-xl font-semibold text-white">Merchants</h1>
+          <p className="text-zinc-400 text-sm mt-0.5">{merchants.length} merchants · last {months} months</p>
+        </div>
+        <select
+          value={months}
+          onChange={(e) => setMonths(Number(e.target.value))}
+          className="bg-zinc-800 border border-zinc-700 rounded-md text-sm text-zinc-200 px-3 py-1.5"
+        >
+          <option value={3}>3 months</option>
+          <option value={6}>6 months</option>
+          <option value={12}>12 months</option>
+          <option value={24}>24 months</option>
+        </select>
+      </div>
+
+      {/* Scatter plot */}
+      <div className="bg-zinc-900 border border-zinc-800 rounded-xl p-5">
+        <h2 className="text-sm font-medium text-zinc-300 mb-1">Spend vs Frequency</h2>
+        <p className="text-xs text-zinc-500 mb-4">
+          Each dot = one merchant. Click to open profile.
+        </p>
+        <div className="relative">
+          <QuadrantLabels medianX={medianX} medianY={medianY} />
+          <ResponsiveContainer width="100%" height={360}>
+            <ScatterChart margin={{ top: 10, right: 20, bottom: 20, left: 10 }}>
+              <CartesianGrid stroke="#27272a" strokeDasharray="3 3" />
+              <XAxis
+                dataKey="debit_count"
+                name="Transactions"
+                type="number"
+                tick={{ fill: "#71717a", fontSize: 11 }}
+                axisLine={false}
+                tickLine={false}
+                label={{ value: "Transaction Count", position: "insideBottom", offset: -10, fill: "#52525b", fontSize: 11 }}
+              />
+              <YAxis
+                dataKey="net_spend"
+                name="Net Spend"
+                type="number"
+                tick={{ fill: "#71717a", fontSize: 11 }}
+                axisLine={false}
+                tickLine={false}
+                tickFormatter={(v) => `$${Math.round(v / 1000)}k`}
+                width={48}
+                label={{ value: "Total Spend", angle: -90, position: "insideLeft", offset: 10, fill: "#52525b", fontSize: 11 }}
+              />
+              <Tooltip content={<ScatterTooltip />} cursor={{ strokeDasharray: "3 3", stroke: "#52525b" }} />
+              <Scatter
+                data={scatterData}
+                onClick={(d) => setSelected(d as unknown as MerchantRow)}
+                style={{ cursor: "pointer" }}
+              >
+                {scatterData.map((entry, idx) => (
+                  <Cell
+                    key={idx}
+                    fill={CATEGORY_COLORS[entry.category] || "#6366f1"}
+                    fillOpacity={0.75}
+                    stroke={selected?.merchant === entry.merchant ? "#fff" : "transparent"}
+                    strokeWidth={2}
+                  />
+                ))}
+              </Scatter>
+            </ScatterChart>
+          </ResponsiveContainer>
+        </div>
+        {/* Category legend */}
+        <div className="mt-3 flex flex-wrap gap-x-4 gap-y-1">
+          {Object.entries(CATEGORY_COLORS)
+            .filter(([cat]) => merchants.some((m) => m.category === cat))
+            .slice(0, 12)
+            .map(([cat, color]) => (
+              <span key={cat} className="flex items-center gap-1.5 text-xs text-zinc-400">
+                <span className="w-2 h-2 rounded-full inline-block" style={{ background: color }} />
+                {formatCategory(cat)}
+              </span>
+            ))}
+        </div>
+      </div>
+
+      {/* Merchant table */}
+      <div className="bg-zinc-900 border border-zinc-800 rounded-xl overflow-hidden">
+        <div className="flex items-center justify-between p-4 border-b border-zinc-800">
+          <h2 className="text-sm font-medium text-zinc-300">All Merchants</h2>
+          <input
+            type="text"
+            placeholder="Search…"
+            value={search}
+            onChange={(e) => setSearch(e.target.value)}
+            className="bg-zinc-800 border border-zinc-700 rounded-md text-sm text-zinc-200 placeholder-zinc-500 px-3 py-1.5 w-48"
+          />
+        </div>
+        <div className="overflow-x-auto">
+          <table className="w-full text-sm">
+            <thead>
+              <tr className="text-zinc-500 text-xs border-b border-zinc-800">
+                <th className="text-left px-4 py-2 font-medium">Merchant</th>
+                <th className="text-left px-4 py-2 font-medium">Category</th>
+                <th className="text-right px-4 py-2 font-medium">Total</th>
+                <th className="text-right px-4 py-2 font-medium">Count</th>
+                <th className="text-right px-4 py-2 font-medium">Avg</th>
+                <th className="text-right px-4 py-2 font-medium hidden sm:table-cell">Last Seen</th>
+              </tr>
+            </thead>
+            <tbody>
+              {filtered.map((m) => {
+                const color = CATEGORY_COLORS[m.category] || "#6366f1";
+                return (
+                  <tr
+                    key={m.merchant}
+                    onClick={() => setSelected(m)}
+                    className="border-b border-zinc-800 hover:bg-zinc-800 cursor-pointer transition-colors"
+                  >
+                    <td className="px-4 py-2.5 text-zinc-200 max-w-[200px]">
+                      <span className="truncate block">{m.merchant}</span>
+                    </td>
+                    <td className="px-4 py-2.5">
+                      <span
+                        className="px-1.5 py-0.5 rounded text-xs"
+                        style={{ background: color + "22", color }}
+                      >
+                        {formatCategory(m.category)}
+                      </span>
+                    </td>
+                    <td className="px-4 py-2.5 text-right text-white font-medium">
+                      {fmt(m.net_spend)}
+                      {m.refund_count > 0 && (
+                        <span className="ml-1.5 text-emerald-400 text-xs">↩{m.refund_count}</span>
+                      )}
+                    </td>
+                    <td className="px-4 py-2.5 text-right text-zinc-400">{m.debit_count}</td>
+                    <td className="px-4 py-2.5 text-right text-zinc-400">
+                      {fmtExact(m.avg_debit)}
+                    </td>
+                    <td className="px-4 py-2.5 text-right text-zinc-500 text-xs hidden sm:table-cell">
+                      {fmtDate(m.last_seen)}
+                    </td>
+                  </tr>
+                );
+              })}
+            </tbody>
+          </table>
+        </div>
+      </div>
+
+      {/* Merchant profile drawer */}
+      {selected && (
+        <MerchantProfile merchant={selected} onClose={() => setSelected(null)} />
+      )}
+    </div>
+  );
+}
@@ -1,8 +1,147 @@
+"use client";
+
+import { useState } from "react";
+import {
+  useSharedTransactions,
+  useParticipantBalances,
+  useSettleSplits,
+} from "@/lib/hooks";
+import type { SharedTransactionRow } from "@/lib/queries";
+
+function formatDate(d: string) {
+  return new Date(d).toLocaleDateString("en-AU", { day: "numeric", month: "short", year: "numeric" });
+}
+
+function formatAmount(n: number) {
+  return `$${Number(n).toFixed(2)}`;
+}
+
 export default function SharedPage() {
+  const { data: transactions = [], isLoading: txLoading } = useSharedTransactions();
+  const { data: balances = [], isLoading: balLoading } = useParticipantBalances();
+  const settle = useSettleSplits();
+  const [settling, setSettling] = useState<number | null>(null);
+
+  async function handleSettleParticipant(participantId: number) {
+    setSettling(participantId);
+    await settle.mutateAsync({ participant_id: participantId });
+    setSettling(null);
+  }
+
+  const others = balances.filter((b) => b.name !== "Me");
+
  return (
-    <div>
-      <h2 className="text-xl font-semibold mb-4">Shared Expenses</h2>
-      <p className="text-zinc-500">Coming soon - track shared expenses and splits.</p>
+    <div className="space-y-6">
+      <h2 className="text-xl font-semibold">Shared Expenses</h2>
+
+      {/* Balance summary */}
+      <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-4">
+        {balLoading ? (
+          <p className="text-zinc-500 text-sm col-span-3">Loading balances...</p>
+        ) : (
+          others.map((b) => (
+            <div key={b.id} className="bg-zinc-900 border border-zinc-700 rounded-xl p-4">
+              <div className="flex items-start justify-between mb-3">
+                <div>
+                  <p className="font-medium">{b.name}</p>
+                  <p className="text-xs text-zinc-500">{b.unsettled_count} unsettled</p>
+                </div>
+                <div className="text-right">
+                  <p className="text-lg font-semibold text-amber-400">{formatAmount(b.total_owed)}</p>
+                  <p className="text-xs text-zinc-500">owes you</p>
+                </div>
+              </div>
+              {b.unsettled_count > 0 && (
+                <button
+                  onClick={() => handleSettleParticipant(b.id)}
+                  disabled={settling === b.id}
+                  className="w-full py-1.5 text-xs font-medium bg-emerald-700 hover:bg-emerald-600 text-white rounded-lg disabled:opacity-50"
+                >
+                  {settling === b.id ? "Settling..." : "Mark All Settled"}
+                </button>
+              )}
+            </div>
+          ))
+        )}
+      </div>
+
+      {/* Transaction list */}
+      <div className="bg-zinc-900 border border-zinc-700 rounded-xl overflow-hidden">
+        <div className="px-4 py-3 border-b border-zinc-800">
+          <h3 className="text-sm font-medium">Split Transactions</h3>
+        </div>
+        {txLoading ? (
+          <p className="text-zinc-500 text-sm px-4 py-6">Loading...</p>
+        ) : transactions.length === 0 ? (
+          <p className="text-zinc-500 text-sm px-4 py-6">
+            No split transactions yet. Use the Split button on any transaction.
+          </p>
+        ) : (
+          <table className="w-full text-sm">
+            <thead>
+              <tr className="border-b border-zinc-800">
+                <th className="text-left px-4 py-2 text-xs text-zinc-500 font-medium">Date</th>
+                <th className="text-left px-4 py-2 text-xs text-zinc-500 font-medium">Description</th>
+                <th className="text-right px-4 py-2 text-xs text-zinc-500 font-medium">Amount</th>
+                <th className="text-left px-4 py-2 text-xs text-zinc-500 font-medium">Splits</th>
+                <th className="px-4 py-2 text-xs text-zinc-500 font-medium">Action</th>
+              </tr>
+            </thead>
+            <tbody>
+              {(transactions as SharedTransactionRow[]).map((tx) => {
+                const splits = Array.isArray(tx.splits) ? tx.splits : [];
+                const unsettled = splits.filter((s) => !s.settled && s.name !== "Me");
+                return (
+                  <tr key={tx.id} className="border-b border-zinc-800/50 hover:bg-zinc-800/30">
+                    <td className="px-4 py-3 text-zinc-400 whitespace-nowrap">
+                      {formatDate(tx.transaction_date)}
+                    </td>
+                    <td className="px-4 py-3">
+                      <p className="font-medium truncate max-w-48">{tx.effective_merchant || tx.description}</p>
+                      <p className="text-xs text-zinc-500 truncate max-w-48">{tx.description}</p>
+                    </td>
+                    <td className="px-4 py-3 text-right font-medium tabular-nums">
+                      {formatAmount(tx.amount)}
+                    </td>
+                    <td className="px-4 py-3">
+                      <div className="flex flex-wrap gap-1">
+                        {splits.map((s) => (
+                          <span
+                            key={s.participant_id}
+                            className={`inline-flex items-center gap-1 px-2 py-0.5 rounded text-xs ${
+                              s.settled
+                                ? "bg-zinc-800 text-zinc-500"
+                                : "bg-amber-900/40 text-amber-300"
+                            }`}
+                          >
+                            {s.name} {s.share_percent}%
+                            {s.settled && <span className="text-emerald-500">✓</span>}
+                          </span>
+                        ))}
+                      </div>
+                    </td>
+                    <td className="px-4 py-3 text-center">
+                      {unsettled.length > 0 && (
+                        <button
+                          onClick={() =>
+                            settle.mutateAsync({
+                              split_ids: unsettled.map((s) => (s as unknown as { split_id: number }).split_id),
+                            })
+                          }
+                          disabled={settle.isPending}
+                          className="text-xs px-2 py-1 bg-emerald-800 hover:bg-emerald-700 text-white rounded disabled:opacity-50"
+                        >
+                          Settle
+                        </button>
+                      )}
+                    </td>
+                  </tr>
+                );
+              })}
+            </tbody>
+          </table>
+        )}
+      </div>
    </div>
  );
 }
@@ -1,10 +1,11 @@
 "use client";

+import { useState, useMemo } from "react";
 import Link from "next/link";
-import { useStatements } from "@/lib/hooks";
+import { useStatements, useParticipants, useUpdateStatement } from "@/lib/hooks";

 function formatDate(d: string | null) {
-  if (!d) return "-";
+  if (!d) return "—";
  return new Date(d).toLocaleDateString("en-AU", {
    day: "2-digit",
    month: "short",
@@ -12,64 +13,217 @@ function formatDate(d: string | null) {
  });
 }

-function formatCurrency(amount: number | null, currency = "AUD") {
-  if (amount === null || amount === undefined) return "-";
+function formatPeriod(start: string | null, end: string | null) {
+  if (!start && !end) return "—";
+  const fmt = (d: string) =>
+    new Date(d).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "2-digit" });
+  if (!start) return `until ${fmt(end!)}`;
+  if (!end) return `from ${fmt(start)}`;
+  return `${fmt(start)} – ${fmt(end)}`;
+}
+
+function formatAmount(n: number | null): string {
+  if (n === null || n === undefined) return "—";
  return new Intl.NumberFormat("en-AU", {
    style: "currency",
-    currency,
-  }).format(amount);
+    currency: "AUD",
+    minimumFractionDigits: 2,
+  }).format(Number(n));
 }

+const selectCls =
+  "bg-zinc-900 border border-zinc-700 rounded text-xs px-2 py-1.5 text-zinc-300 cursor-pointer hover:border-zinc-600 focus:outline-none focus:border-indigo-500";
+
 export default function StatementsPage() {
  const { data: statements, isLoading } = useStatements();
+  const { data: participants } = useParticipants();
+  const updateStatement = useUpdateStatement();
+
+  const [bankFilter, setBankFilter] = useState("");
+  const [typeFilter, setTypeFilter] = useState<"all" | "card" | "bank">("all");
+  const [ownerFilter, setOwnerFilter] = useState("");
+  const [yearFilter, setYearFilter] = useState("");
+
+  const banks = useMemo(
+    () => [...new Set((statements ?? []).map((s) => s.bank_name))].sort(),
+    [statements]
+  );
+  const years = useMemo(
+    () =>
+      [
+        ...new Set(
+          (statements ?? [])
+            .map((s) => s.billing_end_date?.slice(0, 4))
+            .filter(Boolean) as string[]
+        ),
+      ].sort((a, b) => b.localeCompare(a)),
+    [statements]
+  );
+
+  const filtered = useMemo(() => {
+    if (!statements) return [];
+    return statements.filter((s) => {
+      const isCard = s.statement_type?.toLowerCase().includes("card") ?? false;
+      if (bankFilter && s.bank_name !== bankFilter) return false;
+      if (typeFilter === "card" && !isCard) return false;
+      if (typeFilter === "bank" && isCard) return false;
+      if (ownerFilter && String(s.owner_id) !== ownerFilter) return false;
+      if (yearFilter && s.billing_end_date?.slice(0, 4) !== yearFilter) return false;
+      return true;
+    });
+  }, [statements, bankFilter, typeFilter, ownerFilter, yearFilter]);
+
+  const hasFilters = bankFilter || typeFilter !== "all" || ownerFilter || yearFilter;

  return (
    <div>
-      <h2 className="text-xl font-semibold mb-4">Statements</h2>
+      <div className="flex items-center justify-between mb-4">
+        <h2 className="text-xl font-semibold">Statements</h2>
+        {!isLoading && statements && (
+          <span className="text-xs text-zinc-500">
+            {hasFilters ? `${filtered.length} of ${statements.length}` : statements.length} statements
+          </span>
+        )}
+      </div>
+
+      {/* Filters */}
+      {!isLoading && statements && (
+        <div className="flex flex-wrap gap-2 mb-4">
+          <select value={bankFilter} onChange={(e) => setBankFilter(e.target.value)} className={selectCls}>
+            <option value="">All banks</option>
+            {banks.map((b) => (
+              <option key={b} value={b}>{b}</option>
+            ))}
+          </select>
+
+          <select value={typeFilter} onChange={(e) => setTypeFilter(e.target.value as typeof typeFilter)} className={selectCls}>
+            <option value="all">All types</option>
+            <option value="card">Credit card</option>
+            <option value="bank">Bank account</option>
+          </select>
+
+          {participants && participants.length > 1 && (
+            <select value={ownerFilter} onChange={(e) => setOwnerFilter(e.target.value)} className={selectCls}>
+              <option value="">All owners</option>
+              {participants.map((p) => (
+                <option key={p.id} value={String(p.id)}>{p.name}</option>
+              ))}
+            </select>
+          )}
+
+          <select value={yearFilter} onChange={(e) => setYearFilter(e.target.value)} className={selectCls}>
+            <option value="">All years</option>
+            {years.map((y) => (
+              <option key={y} value={y}>{y}</option>
+            ))}
+          </select>
+
+          {hasFilters && (
+            <button
+              onClick={() => { setBankFilter(""); setTypeFilter("all"); setOwnerFilter(""); setYearFilter(""); }}
+              className="text-xs text-zinc-500 hover:text-zinc-300 px-2 py-1.5 transition-colors"
+            >
+              × Clear
+            </button>
+          )}
+        </div>
+      )}

      {isLoading ? (
-        <p className="text-zinc-500">Loading...</p>
-      ) : !statements?.length ? (
-        <p className="text-zinc-500">No statements found</p>
+        <p className="text-zinc-500 text-sm">Loading...</p>
+      ) : !filtered.length ? (
+        <p className="text-zinc-500 text-sm">{hasFilters ? "No statements match filters" : "No statements found"}</p>
      ) : (
-        <div className="grid gap-4 md:grid-cols-2 lg:grid-cols-3">
-          {statements.map((s) => (
-            <div
-              key={s.id}
-              className="border border-zinc-800 rounded-lg p-4 bg-zinc-900/50 hover:border-zinc-700 transition-colors"
-            >
-              <div className="flex items-center justify-between mb-2">
-                <h3 className="font-medium">{s.bank_name}</h3>
-                <span className="text-xs text-zinc-500">{s.currency}</span>
-              </div>
-              {s.card_name && (
-                <p className="text-sm text-zinc-400 mb-2">{s.card_name}</p>
-              )}
-              <div className="text-sm text-zinc-400 space-y-1">
-                <p>Account: {s.account_number}</p>
-                <p>
-                  Period: {formatDate(s.billing_start_date)} - {formatDate(s.billing_end_date)}
-                </p>
-                <p>Due: {formatDate(s.payment_due_date)}</p>
-              </div>
-              <div className="mt-3 pt-3 border-t border-zinc-800 flex items-center justify-between">
-                <div>
-                  <p className="text-lg font-semibold text-red-400">
-                    {formatCurrency(s.total_amount_due, s.currency)}
-                  </p>
-                  <p className="text-xs text-zinc-500">
-                    {s.transaction_count} transactions
-                  </p>
-                </div>
-                <Link
-                  href={`/transactions?statement_id=${s.id}`}
-                  className="px-3 py-1.5 bg-zinc-800 hover:bg-zinc-700 rounded text-sm transition-colors"
-                >
-                  View
-                </Link>
-              </div>
-            </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-3 py-2.5 text-xs text-zinc-600 font-medium w-8">#</th>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Bank</th>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Account</th>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Period</th>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Due / End</th>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Ccy</th>
+                <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Amount</th>
+                <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Txns</th>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Owner</th>
+                <th className="px-4 py-2.5"></th>
+              </tr>
+            </thead>
+            <tbody>
+              {filtered.map((s, idx) => {
+                const isCreditCard = s.statement_type?.toLowerCase().includes("card") ?? false;
+                const displayAmount = isCreditCard ? s.total_amount_due : s.closing_balance;
+                const amount = Number(displayAmount);
+                const amountColor = isCreditCard
+                  ? "text-red-400"
+                  : amount >= 0
+                  ? "text-green-400"
+                  : "text-red-400";
+
+                return (
+                  <tr key={s.id} className="border-b border-zinc-800/50 hover:bg-zinc-800/20 transition-colors">
+                    <td className="px-3 py-3 text-xs text-zinc-600 tabular-nums">{idx + 1}</td>
+                    <td className="px-4 py-3">
+                      <div className="font-medium truncate max-w-[180px]" title={s.bank_name}>
+                        {s.bank_name}
+                      </div>
+                      {s.card_name && (
+                        <div className="text-xs text-zinc-500 truncate max-w-[180px]">{s.card_name}</div>
+                      )}
+                    </td>
+                    <td className="px-4 py-3 text-zinc-400 font-mono text-xs">
+                      {s.account_number}
+                    </td>
+                    <td className="px-4 py-3 text-zinc-400 whitespace-nowrap">
+                      {formatPeriod(s.billing_start_date, s.billing_end_date)}
+                    </td>
+                    <td className="px-4 py-3 text-zinc-400 whitespace-nowrap">
+                      {isCreditCard ? formatDate(s.payment_due_date) : formatDate(s.billing_end_date)}
+                    </td>
+                    <td className="px-4 py-3 text-zinc-500 text-xs">
+                      {s.currency}
+                    </td>
+                    <td className="px-4 py-3 text-right tabular-nums">
+                      {displayAmount !== null && displayAmount !== undefined ? (
+                        <span className={amountColor}>{formatAmount(displayAmount)}</span>
+                      ) : (
+                        <span className="text-zinc-600">—</span>
+                      )}
+                    </td>
+                    <td className="px-4 py-3 text-right text-zinc-500">
+                      {s.transaction_count}
+                    </td>
+                    <td className="px-4 py-3">
+                      {participants?.length ? (
+                        <select
+                          value={s.owner_id ?? ""}
+                          onChange={(e) =>
+                            updateStatement.mutate({ id: s.id, owner_id: Number(e.target.value) })
+                          }
+                          className="bg-zinc-800 border border-zinc-700 rounded text-xs px-2 py-1 text-zinc-300 cursor-pointer hover:border-zinc-600 focus:outline-none focus:border-indigo-500"
+                        >
+                          {participants.map((p) => (
+                            <option key={p.id} value={p.id}>{p.name}</option>
+                          ))}
+                        </select>
+                      ) : (
+                        <span className="text-zinc-600 text-xs">{s.owner_name}</span>
+                      )}
+                    </td>
+                    <td className="px-4 py-3">
+                      <Link
+                        href={`/transactions?statement_id=${s.id}`}
+                        className="px-3 py-1 bg-zinc-800 hover:bg-zinc-700 rounded text-xs transition-colors whitespace-nowrap"
+                      >
+                        View →
+                      </Link>
+                    </td>
+                  </tr>
+                );
+              })}
+            </tbody>
+          </table>
        </div>
      )}
    </div>
@@ -1,7 +1,8 @@
 "use client";

-import { useState, useCallback } from "react";
-import { useTransactions, useBanks, useUpdateTransaction, useBulkAction, useTags } from "@/lib/hooks";
+import { useState, useCallback, Suspense } from "react";
+import { useSearchParams } from "next/navigation";
+import { useTransactions, useBanks, useUpdateTransaction, useBulkAction, useTags, useStatement, useCreateRule } from "@/lib/hooks";
 import { CATEGORIES, formatCategory } from "@/lib/categories";
 import { SplitModal } from "@/components/split-modal";
 import { TagPicker } from "@/components/tag-picker";
@@ -14,30 +15,135 @@ function formatDate(d: string) {
  });
 }

+const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
+
 function formatAmount(amount: number, type: string) {
  const formatted = new Intl.NumberFormat("en-AU", {
    style: "currency",
    currency: "AUD",
  }).format(amount);
-  return type === "debit" ? formatted : `+${formatted}`;
+  return SPEND_TYPES.has(type) ? formatted : `+${formatted}`;
 }

+const TYPE_COLORS: Record<string, string> = {
+  debit: "bg-red-900/30 text-red-400",
+  credit: "bg-green-900/30 text-green-400",
+  payment: "bg-blue-900/30 text-blue-400",
+  refund: "bg-emerald-900/30 text-emerald-400",
+  fee: "bg-yellow-900/30 text-yellow-400",
+  interest: "bg-orange-900/30 text-orange-400",
+  transfer: "bg-zinc-800 text-zinc-400",
+};
+
+const TYPE_OPTIONS = [
+  "debit", "credit", "payment", "refund", "fee", "interest", "transfer",
+].map((t) => ({ value: t, label: t }));
+
 function TypeBadge({ type }: { type: string }) {
-  const colors: Record<string, string> = {
-    debit: "bg-red-900/30 text-red-400",
-    credit: "bg-green-900/30 text-green-400",
-    payment: "bg-blue-900/30 text-blue-400",
-    refund: "bg-emerald-900/30 text-emerald-400",
-    fee: "bg-yellow-900/30 text-yellow-400",
-    interest: "bg-orange-900/30 text-orange-400",
-  };
  return (
-    <span className={`px-2 py-0.5 rounded text-xs font-medium ${colors[type] || "bg-zinc-800 text-zinc-400"}`}>
+    <span className={`px-2 py-0.5 rounded text-xs font-medium ${TYPE_COLORS[type] || "bg-zinc-800 text-zinc-400"}`}>
      {type}
    </span>
  );
 }

+function EditableTypeBadge({ type, onSave }: { type: string; onSave: (t: string) => void }) {
+  const [editing, setEditing] = useState(false);
+  if (!editing) {
+    return (
+      <button onClick={() => setEditing(true)} title="Click to change type">
+        <TypeBadge type={type} />
+      </button>
+    );
+  }
+  return (
+    <select
+      autoFocus
+      defaultValue={type}
+      onBlur={(e) => { onSave(e.target.value); setEditing(false); }}
+      onChange={(e) => { onSave(e.target.value); setEditing(false); }}
+      className="bg-zinc-800 border border-zinc-600 rounded px-1 py-0.5 text-xs"
+    >
+      {TYPE_OPTIONS.map((o) => (
+        <option key={o.value} value={o.value}>{o.label}</option>
+      ))}
+    </select>
+  );
+}
+
+// Prompt shown after a merchant/category edit — offers to save it as a rule
+function SaveAsRulePrompt({
+  tx,
+  field,
+  newValue,
+  onDone,
+}: {
+  tx: { id: number; effective_merchant: string; description: string; bank_name: string };
+  field: "category" | "merchant";
+  newValue: string;
+  onDone: () => void;
+}) {
+  const createRule = useCreateRule();
+  const [saving, setSaving] = useState(false);
+
+  // Build a sensible default rule from the transaction context.
+  // Prefer merchant_normalized (full name, exact match) over a partial description word.
+  const hasMerchant = !!tx.effective_merchant;
+  const conditionField = hasMerchant ? "merchant_normalized" : "description";
+  const conditionOperator = hasMerchant ? "equals" : "contains";
+  const conditionValue = hasMerchant ? tx.effective_merchant : tx.description;
+
+  const defaultName =
+    field === "category"
+      ? `${conditionValue} → ${formatCategory(newValue)}`
+      : `Rename ${conditionValue} → ${newValue}`;
+
+  const conditions = [{ field: conditionField, operator: conditionOperator, value: conditionValue }];
+  const actions =
+    field === "category"
+      ? { set_category: newValue }
+      : { set_merchant: newValue };
+
+  async function save() {
+    setSaving(true);
+    await createRule.mutateAsync({ name: defaultName, conditions, actions, enabled: true, priority: 0 });
+    onDone();
+  }
+
+  return (
+    <div className="fixed bottom-4 right-4 z-50 bg-zinc-800 border border-zinc-600 rounded-xl shadow-2xl p-4 w-80 text-sm">
+      <p className="text-zinc-200 font-medium mb-1">Save as rule?</p>
+      <p className="text-zinc-400 text-xs mb-3">
+        Automatically apply this {field === "category" ? "category" : "merchant name"} to future matching transactions.
+      </p>
+      <div className="bg-zinc-900 rounded-lg px-3 py-2 text-xs text-zinc-300 mb-3 space-y-1">
+        <p><span className="text-zinc-500">If</span> {conditionField === "merchant_normalized" ? "merchant" : "description"} {conditionOperator} <span className="text-white">"{conditionValue}"</span></p>
+        <p>
+          <span className="text-zinc-500">Then</span>{" "}
+          {field === "category"
+            ? <>set category → <span className="text-white">{formatCategory(newValue)}</span></>
+            : <>set merchant → <span className="text-white">{newValue}</span></>}
+        </p>
+      </div>
+      <div className="flex gap-2">
+        <button
+          onClick={save}
+          disabled={saving}
+          className="flex-1 bg-blue-600 hover:bg-blue-500 disabled:opacity-50 text-white rounded-lg py-1.5 font-medium transition-colors"
+        >
+          {saving ? "Saving…" : "Save rule"}
+        </button>
+        <button
+          onClick={onDone}
+          className="flex-1 bg-zinc-700 hover:bg-zinc-600 text-zinc-200 rounded-lg py-1.5 transition-colors"
+        >
+          Dismiss
+        </button>
+      </div>
+    </div>
+  );
+}
+
 function InlineEdit({
  value,
  onSave,
@@ -98,12 +204,24 @@ function InlineEdit({
 }

 export default function TransactionsPage() {
+  return (
+    <Suspense fallback={<p className="text-zinc-500 text-sm">Loading...</p>}>
+      <TransactionsContent />
+    </Suspense>
+  );
+}
+
+function TransactionsContent() {
+  const searchParams = useSearchParams();
+  const initialStatementId = searchParams.get("statement_id") || "";
+
  const [filters, setFilters] = useState({
    from: "",
    to: "",
    category: "",
    bank_name: "",
    search: "",
+    statement_id: initialStatementId,
    tag_id: "",
    sort_by: "transaction_date",
    sort_dir: "desc",
@@ -113,11 +231,17 @@ export default function TransactionsPage() {
  const [selected, setSelected] = useState<Set<number>>(new Set());
  const [bulkCategory, setBulkCategory] = useState("");
  const [bulkTagId, setBulkTagId] = useState("");
-  const [splitModal, setSplitModal] = useState<{ transactionId?: number; transactionIds?: number[]; amount?: number; description: string } | null>(null);
+  const [splitModal, setSplitModal] = useState<{ transactionId?: number; transactionIds?: number[]; amount?: number; description: string; merchant?: string } | null>(null);
+  const [rulePrompt, setRulePrompt] = useState<{
+    tx: { id: number; effective_merchant: string; description: string; bank_name: string };
+    field: "category" | "merchant";
+    newValue: string;
+  } | null>(null);

  const { data, isLoading } = useTransactions(filters);
  const { data: banks } = useBanks();
  const { data: tags } = useTags();
+  const { data: statementInfo } = useStatement(parseInt(filters.statement_id) || 0);
  const updateTxn = useUpdateTransaction();
  const bulkAction = useBulkAction();

@@ -161,6 +285,27 @@ export default function TransactionsPage() {
    <div>
      <h2 className="text-xl font-semibold mb-4">Transactions</h2>

+      {/* Statement context banner */}
+      {filters.statement_id && statementInfo && (
+        <div className="flex items-center gap-3 mb-4 px-3 py-2 bg-indigo-950/40 border border-indigo-800/50 rounded-lg text-sm">
+          <span className="text-indigo-300 font-medium">{statementInfo.bank_name}</span>
+          {statementInfo.billing_start_date && statementInfo.billing_end_date && (
+            <span className="text-zinc-400">
+              {new Date(statementInfo.billing_start_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short" })}
+              {" – "}
+              {new Date(statementInfo.billing_end_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short", year: "numeric" })}
+            </span>
+          )}
+          <span className="text-zinc-500 text-xs">{statementInfo.transaction_count} transactions</span>
+          <button
+            onClick={() => setFilters((f) => ({ ...f, statement_id: "", offset: 0 }))}
+            className="ml-auto text-zinc-500 hover:text-zinc-200 text-xs px-2 py-0.5 rounded hover:bg-zinc-800 transition-colors"
+          >
+            × Clear filter
+          </button>
+        </div>
+      )}
+
      {/* Filter bar */}
      <div className="flex flex-wrap gap-3 mb-4">
        <input
@@ -343,7 +488,10 @@ export default function TransactionsPage() {
                    <div className="relative">
                      <InlineEdit
                        value={t.effective_merchant || ""}
-                        onSave={(val) => updateTxn.mutate({ id: t.id, merchant_normalized: val })}
+                        onSave={(val) => {
+                          updateTxn.mutate({ id: t.id, merchant_normalized: val });
+                          setRulePrompt({ tx: t, field: "merchant", newValue: val });
+                        }}
                      />
                      {t.merchant_override && (
                        <span className="absolute -left-2 top-1/2 -translate-y-1/2 w-1.5 h-1.5 bg-blue-500 rounded-full" title="Manually overridden" />
@@ -351,16 +499,24 @@ export default function TransactionsPage() {
                    </div>
                  </td>
                  <td className={`p-2 text-right whitespace-nowrap font-mono ${
-                    t.transaction_type === "debit" ? "text-red-400" : "text-green-400"
+                    SPEND_TYPES.has(t.transaction_type) ? "text-red-400" : "text-green-400"
                  }`}>
                    {formatAmount(t.amount, t.transaction_type)}
                  </td>
-                  <td className="p-2"><TypeBadge type={t.transaction_type} /></td>
+                  <td className="p-2">
+                    <EditableTypeBadge
+                      type={t.transaction_type}
+                      onSave={(val) => updateTxn.mutate({ id: t.id, transaction_type: val })}
+                    />
+                  </td>
                  <td className="p-2 max-w-[140px]">
                    <div className="relative">
                      <InlineEdit
                        value={t.effective_category}
-                        onSave={(val) => updateTxn.mutate({ id: t.id, category: val })}
+                        onSave={(val) => {
+                          updateTxn.mutate({ id: t.id, category: val });
+                          setRulePrompt({ tx: t, field: "category", newValue: val });
+                        }}
                        type="select"
                        options={categoryOptions}
                      />
@@ -386,7 +542,7 @@ export default function TransactionsPage() {
                  </td>
                  <td className="p-2">
                    <button
-                      onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount, description: t.description, transactionIds: undefined })}
+                      onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount, description: t.description, merchant: t.effective_merchant || undefined, transactionIds: undefined })}
                      className="text-xs text-zinc-500 hover:text-zinc-200 px-2 py-0.5 rounded hover:bg-zinc-800 transition-colors"
                      title="Split this transaction"
                    >
@@ -407,10 +563,20 @@ export default function TransactionsPage() {
          transactionIds={splitModal.transactionIds}
          amount={splitModal.amount}
          description={splitModal.description}
+          merchant={splitModal.merchant}
          onClose={() => { setSplitModal(null); if (splitModal.transactionIds) setSelected(new Set()); }}
        />
      )}

+      {rulePrompt && (
+        <SaveAsRulePrompt
+          tx={rulePrompt.tx}
+          field={rulePrompt.field}
+          newValue={rulePrompt.newValue}
+          onDone={() => setRulePrompt(null)}
+        />
+      )}
+
      {/* Pagination */}
      {data && data.total > filters.limit && (
        <div className="flex items-center justify-between mt-4">
@@ -7,7 +7,9 @@ const NAV_ITEMS = [
  { href: "/transactions", label: "Transactions", icon: "receipt" },
  { href: "/statements", label: "Statements", icon: "file-text" },
  { href: "/shared", label: "Shared", icon: "users" },
-  { href: "/budget", label: "Budget", icon: "bar-chart" },
+  { href: "/budget", label: "Analytics", icon: "bar-chart" },
+  { href: "/insights", label: "Insights", icon: "lightbulb" },
+  { href: "/merchants", label: "Merchants", icon: "store" },
  { href: "/tags", label: "Tags", icon: "tag" },
  { href: "/rules", label: "Rules", icon: "settings" },
 ];
@@ -44,6 +46,16 @@ const ICONS: Record<string, React.ReactNode> = {
      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M15 12a3 3 0 11-6 0 3 3 0 016 0z" />
    </svg>
  ),
+  lightbulb: (
+    <svg className="w-5 h-5" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M9.663 17h4.673M12 3v1m6.364 1.636l-.707.707M21 12h-1M4 12H3m1.343-5.657l-.707-.707m2.828 9.9a5 5 0 117.072 0l-.548.547A3.374 3.374 0 0014 18.469V19a2 2 0 11-4 0v-.531c0-.895-.356-1.754-.988-2.386l-.548-.547z" />
+    </svg>
+  ),
+  store: (
+    <svg className="w-5 h-5" fill="none" stroke="currentColor" viewBox="0 0 24 24">
+      <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M3 3h2l.4 2M7 13h10l4-8H5.4M7 13L5.4 5M7 13l-2.293 2.293c-.63.63-.184 1.707.707 1.707H17m0 0a2 2 0 100 4 2 2 0 000-4zm-8 2a2 2 0 11-4 0 2 2 0 014 0z" />
+    </svg>
+  ),
 };

 export function Sidebar() {
@@ -0,0 +1,228 @@
+"use client";
+
+import { useState, useEffect } from "react";
+import { useParticipants, useSetSplits, useTransactionSplits, useBulkAction, useCreateRule } from "@/lib/hooks";
+
+interface Split {
+  participant_id: number;
+  share_percent: number;
+}
+
+interface Props {
+  transactionId?: number;
+  transactionIds?: number[];
+  amount?: number;
+  description: string;
+  merchant?: string;
+  onClose: () => void;
+}
+
+export function SplitModal({ transactionId, transactionIds, amount, description, merchant, onClose }: Props) {
+  const isBulk = !!transactionIds && transactionIds.length > 0;
+  const singleId = transactionId ?? 0;
+
+  const { data: participants } = useParticipants();
+  const { data: existingSplits } = useTransactionSplits(isBulk ? 0 : singleId);
+  const setSplits = useSetSplits();
+  const bulkAction = useBulkAction();
+  const createRule = useCreateRule();
+
+  const [splits, setSplitsState] = useState<Split[]>([]);
+  const [error, setError] = useState("");
+  const [saveAsRule, setSaveAsRule] = useState(false);
+  const [ruleSaved, setRuleSaved] = useState(false);
+
+  // Initialise: bulk always defaults to 100% Me; single loads existing splits
+  useEffect(() => {
+    if (!participants || participants.length === 0) return;
+    const me = participants.find((p) => p.name === "Me");
+    if (isBulk) {
+      if (me) setSplitsState([{ participant_id: me.id, share_percent: 100 }]);
+    } else if (existingSplits && existingSplits.length > 0) {
+      setSplitsState(
+        existingSplits.map((s: { participant_id: number; share_percent: number }) => ({
+          participant_id: s.participant_id,
+          share_percent: Number(s.share_percent),
+        }))
+      );
+    } else if (me) {
+      setSplitsState([{ participant_id: me.id, share_percent: 100 }]);
+    }
+  }, [existingSplits, participants, isBulk]);
+
+  const total = splits.reduce((sum, s) => sum + s.share_percent, 0);
+
+  const toggleParticipant = (id: number) => {
+    setSplitsState((prev) => {
+      const exists = prev.find((s) => s.participant_id === id);
+      if (exists) {
+        return prev.filter((s) => s.participant_id !== id);
+      }
+      // Add with equal split
+      const count = prev.length + 1;
+      const equal = Math.floor(100 / count);
+      const remainder = 100 - equal * count;
+      return [
+        ...prev.map((s, i) => ({ ...s, share_percent: equal + (i === 0 ? remainder : 0) })),
+        { participant_id: id, share_percent: equal },
+      ];
+    });
+  };
+
+  const updateShare = (id: number, value: number) => {
+    setSplitsState((prev) =>
+      prev.map((s) => (s.participant_id === id ? { ...s, share_percent: value } : s))
+    );
+  };
+
+  const splitEvenly = () => {
+    if (splits.length === 0) return;
+    const each = Math.floor(100 / splits.length);
+    const remainder = 100 - each * splits.length;
+    setSplitsState((prev) =>
+      prev.map((s, i) => ({ ...s, share_percent: each + (i === 0 ? remainder : 0) }))
+    );
+  };
+
+  const isPending = isBulk ? bulkAction.isPending : setSplits.isPending;
+
+  const handleSave = async () => {
+    setError("");
+    if (Math.abs(total - 100) > 0.01) {
+      setError(`Shares must sum to 100% (currently ${total.toFixed(1)}%)`);
+      return;
+    }
+    try {
+      if (isBulk) {
+        await bulkAction.mutateAsync({ action: "split", ids: transactionIds!, splits });
+      } else {
+        await setSplits.mutateAsync({ transactionId: singleId, splits });
+      }
+      if (saveAsRule && !isBulk) {
+        const matchValue = merchant || (description.split(" ")[0] ?? description);
+        await createRule.mutateAsync({
+          name: `Split: ${merchant || description}`,
+          conditions: [{ field: "merchant_normalized", operator: "contains", value: matchValue }],
+          actions: { apply_split: splits },
+          enabled: true,
+          priority: 0,
+        });
+        setRuleSaved(true);
+        setTimeout(onClose, 1200);
+      } else {
+        onClose();
+      }
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Failed to save splits");
+    }
+  };
+
+  return (
+    <div className="fixed inset-0 bg-black/60 flex items-center justify-center z-50" onClick={onClose}>
+      <div
+        className="bg-zinc-900 border border-zinc-700 rounded-xl p-6 w-full max-w-md mx-4 shadow-2xl"
+        onClick={(e) => e.stopPropagation()}
+      >
+        <h3 className="text-lg font-semibold mb-1">
+          {isBulk ? `Split ${transactionIds!.length} Transactions` : "Split Transaction"}
+        </h3>
+        <p className="text-sm text-zinc-400 mb-4 truncate">{description}</p>
+        {!isBulk && amount !== undefined && (
+          <p className="text-2xl font-mono font-semibold mb-6">
+            ${Number(amount).toFixed(2)}
+          </p>
+        )}
+
+        {/* Participant toggles */}
+        <div className="space-y-3 mb-4">
+          {participants?.map((p) => {
+            const split = splits.find((s) => s.participant_id === p.id);
+            const active = !!split;
+            return (
+              <div key={p.id} className="flex items-center gap-3">
+                <button
+                  onClick={() => toggleParticipant(p.id)}
+                  className={`w-8 h-8 rounded-full text-sm font-medium flex-shrink-0 transition-colors ${
+                    active
+                      ? "bg-blue-600 text-white"
+                      : "bg-zinc-800 text-zinc-500 hover:bg-zinc-700"
+                  }`}
+                >
+                  {p.name.charAt(0).toUpperCase()}
+                </button>
+                <span className="flex-1 text-sm">{p.name}</span>
+                {active && (
+                  <div className="flex items-center gap-2">
+                    <input
+                      type="range"
+                      min={1}
+                      max={99}
+                      value={split.share_percent}
+                      onChange={(e) => updateShare(p.id, Number(e.target.value))}
+                      className="w-24 accent-blue-600"
+                    />
+                    <span className="w-12 text-right text-sm font-mono">
+                      {split.share_percent}%
+                    </span>
+                    {!isBulk && amount !== undefined && (
+                      <span className="w-20 text-right text-sm text-zinc-400 font-mono">
+                        ${((amount * split.share_percent) / 100).toFixed(2)}
+                      </span>
+                    )}
+                  </div>
+                )}
+              </div>
+            );
+          })}
+        </div>
+
+        {/* Total indicator */}
+        <div className="flex items-center justify-between mb-4 text-sm">
+          <span className={`font-mono ${Math.abs(total - 100) > 0.01 ? "text-red-400" : "text-green-400"}`}>
+            Total: {total.toFixed(1)}%
+          </span>
+          <button
+            onClick={splitEvenly}
+            className="text-blue-400 hover:text-blue-300 text-xs"
+          >
+            Split evenly
+          </button>
+        </div>
+
+        {error && <p className="text-red-400 text-sm mb-3">{error}</p>}
+
+        {ruleSaved && (
+          <p className="text-green-400 text-sm mb-3">Rule saved — future matching transactions will be split the same way.</p>
+        )}
+
+        {!isBulk && (
+          <label className="flex items-center gap-2 text-sm text-zinc-400 mb-3 cursor-pointer select-none">
+            <input
+              type="checkbox"
+              checked={saveAsRule}
+              onChange={(e) => setSaveAsRule(e.target.checked)}
+              className="accent-blue-500"
+            />
+            Also save as rule for <span className="text-zinc-200 font-medium">{merchant || description.split(" ")[0]}</span>
+          </label>
+        )}
+
+        <div className="flex gap-3">
+          <button
+            onClick={onClose}
+            className="flex-1 py-2 bg-zinc-800 hover:bg-zinc-700 rounded-lg text-sm transition-colors"
+          >
+            Cancel
+          </button>
+          <button
+            onClick={handleSave}
+            disabled={isPending || Math.abs(total - 100) > 0.01}
+            className="flex-1 py-2 bg-blue-600 hover:bg-blue-700 disabled:opacity-50 rounded-lg text-sm font-medium transition-colors"
+          >
+            {isPending ? "Saving..." : "Save splits"}
+          </button>
+        </div>
+      </div>
+    </div>
+  );
+}
@@ -0,0 +1,27 @@
+import { NextRequest } from "next/server";
+import { queryRaw } from "./db";
+
+export interface CurrentUser {
+  id: number;
+  name: string;
+  email: string;
+}
+
+export async function getCurrentUser(req: NextRequest): Promise<CurrentUser | null> {
+  const email = req.headers.get("x-forwarded-user");
+
+  // Dev fallback: no Traefik header → use participant id=1
+  if (!email) {
+    if (process.env.NODE_ENV === "development") {
+      const rows = await queryRaw<CurrentUser>(`SELECT id, name, email FROM participants WHERE id = 1`);
+      return rows[0] || null;
+    }
+    return null;
+  }
+
+  const rows = await queryRaw<CurrentUser>(
+    `SELECT id, name, COALESCE(email, '') as email FROM participants WHERE email = $1`,
+    [email]
+  );
+  return rows[0] || null;
+}
@@ -14,12 +14,16 @@ export const CATEGORIES = [
  "government",
  "education",
  "rent",
+  "home_goods",
+  "home_maintenance",
  "transfers",
  "income",
+  "investment",
  "personal_care",
  "pets",
  "gifts",
  "charity",
+  "fees",
  "other",
 ] as const;

@@ -94,6 +94,7 @@ export function useUpdateTransaction() {
      category?: string;
      merchant_normalized?: string;
      notes?: string;
+      transaction_type?: string;
    }) => {
      const res = await fetch(`/api/transactions/${id}`, {
        method: "PATCH",
@@ -359,7 +360,7 @@ export interface RuleRow {
  id: number;
  name: string;
  conditions: { field: string; operator: string; value: string }[];
-  actions: { set_category?: string; add_tag_ids?: number[]; set_merchant?: string };
+  actions: { set_category?: string; add_tag_ids?: number[]; set_merchant?: string; apply_split?: { participant_id: number; share_percent: number }[] };
  enabled: boolean;
  priority: number;
  created_at: string;
@@ -431,3 +432,178 @@ export function useApplyRules() {
    },
  });
 }
+
+// --- Budgets & Analytics ---
+
+export interface BudgetRow {
+  id: number;
+  category: string;
+  month: string;
+  amount_limit: number;
+}
+
+export interface MonthlyAnalyticsRow {
+  category: string;
+  spent: Record<string, number>;
+  budget: Record<string, number>;
+  txCount: Record<string, number>;
+}
+
+export interface MonthlyAnalytics {
+  months: string[];
+  rows: MonthlyAnalyticsRow[];
+  income: Record<string, number>;
+  investments: Record<string, number>;
+  totals: Record<string, { spent: number; income: number; investments: number; net: number }>;
+}
+
+export function useBudgets(month: string) {
+  return useQuery<BudgetRow[]>({
+    queryKey: ["budgets", month],
+    queryFn: async () => {
+      const res = await fetch(`/api/budgets?month=${month}`);
+      return res.json();
+    },
+  });
+}
+
+export function useUpsertBudget() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async (data: { category: string; month: string; amount_limit: number }) => {
+      const res = await fetch("/api/budgets", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify(data),
+      });
+      if (!res.ok) throw new Error("Failed to save budget");
+      return res.json();
+    },
+    onSuccess: () => qc.invalidateQueries({ queryKey: ["budgets"] }),
+  });
+}
+
+export function useDeleteBudget() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async (id: number) => {
+      await fetch(`/api/budgets/${id}`, { method: "DELETE" });
+    },
+    onSuccess: () => qc.invalidateQueries({ queryKey: ["budgets"] }),
+  });
+}
+
+export function useMonthlyAnalytics(months?: number) {
+  const m = months || 6;
+  return useQuery<MonthlyAnalytics>({
+    queryKey: ["analytics", "monthly", m],
+    queryFn: async () => {
+      const res = await fetch(`/api/analytics/monthly?months=${m}`);
+      return res.json();
+    },
+  });
+}
+
+export interface SubscriptionRow {
+  merchant: string;
+  category: string;
+  frequency: string;
+  avg_amount: number;
+  monthly_equiv: number;
+  first_seen: string;
+  last_seen: string;
+  occurrences: number;
+  total_paid: number;
+  is_active: boolean;
+}
+
+export function useSubscriptions() {
+  return useQuery<{ subscriptions: SubscriptionRow[]; total_monthly_equiv: number }>({
+    queryKey: ["analytics", "subscriptions"],
+    queryFn: async () => {
+      const res = await fetch("/api/analytics/subscriptions");
+      return res.json();
+    },
+  });
+}
+
+export interface FeeBankRow {
+  bank_name: string;
+  fees: number;
+  interest: number;
+  total: number;
+}
+
+export interface FeeTxnRow {
+  id: number;
+  transaction_date: string;
+  description: string;
+  merchant_name: string | null;
+  transaction_type: string;
+  my_amount: number;
+  bank_name: string;
+}
+
+export function useFees() {
+  return useQuery<{
+    by_bank: FeeBankRow[];
+    transactions: FeeTxnRow[];
+    total_fees: number;
+    total_interest: number;
+  }>({
+    queryKey: ["analytics", "fees"],
+    queryFn: async () => {
+      const res = await fetch("/api/analytics/fees");
+      return res.json();
+    },
+  });
+}
+
+export interface MerchantRow {
+  merchant: string;
+  category: string;
+  debit_count: number;
+  refund_count: number;
+  gross_spend: number;
+  total_refunds: number;
+  net_spend: number;
+  avg_debit: number;
+  first_seen: string;
+  last_seen: string;
+  months_active: number;
+  monthly_trend: Record<string, number>;
+}
+
+export function useMerchants(months = 12) {
+  return useQuery<{ merchants: MerchantRow[]; months: number }>({
+    queryKey: ["analytics", "merchants", months],
+    queryFn: async () => {
+      const res = await fetch(`/api/analytics/merchants?months=${months}`);
+      return res.json();
+    },
+  });
+}
+
+export interface MerchantTxnRow {
+  id: number;
+  transaction_date: string;
+  description: string;
+  amount: number;
+  amount_aud: number | null;
+  my_amount: number;
+  transaction_type: string;
+  category: string;
+  bank_name: string;
+  statement_id: number;
+}
+
+export function useMerchantTransactions(merchant: string | null) {
+  return useQuery<{ transactions: MerchantTxnRow[] }>({
+    queryKey: ["analytics", "merchant-txns", merchant],
+    queryFn: async () => {
+      const res = await fetch(`/api/analytics/merchants/${encodeURIComponent(merchant!)}`);
+      return res.json();
+    },
+    enabled: !!merchant,
+  });
+}
@@ -12,6 +12,7 @@ export interface TransactionRow {
  transaction_date: string;
  description: string;
  amount: number;
+  amount_aud: number | null;
  transaction_type: string;
  merchant_name: string | null;
  merchant_normalized: string | null;
@@ -55,6 +56,7 @@ export interface StatementRow {
  fees_charged: number | null;
  credit_limit: number | null;
  currency: string;
+  statement_type: string | null;
  tier_used: string | null;
  owner_id: number;
  owner_name: string;
Author	SHA1	Message	Date
siddharthd	0985c38be8	fix(rules): save-as-rule uses full merchant name with equals, not first description word	2026-03-11 12:46:16 +11:00
siddharthd	af4c64bba7	feat(splits): save split as rule from split modal - Checkbox in split modal: 'Also save as rule for <merchant>' - Creates a rule with apply_split action storing the participant shares - Rules engine now handles apply_split: deletes existing splits and re-applies - Bulk split mode hides the checkbox (rule wouldn't make sense for ad-hoc bulk)	2026-03-11 12:40:03 +11:00
siddharthd	a8743ba7df	feat(transactions): save-as-rule prompt after merchant/category edit After changing a merchant name or category inline, a toast-style prompt appears offering to save it as a rule. Shows a preview of the condition and action before saving. Dismissable without creating a rule.	2026-03-11 12:05:35 +11:00
siddharthd	7b3fd4b65f	fix(merchants): net spend accounting for refunds/credits - Merchant totals now show net spend (gross debits minus refunds) - Refund count and amount shown in profile drawer and table - Scatter plot Y-axis uses net_spend, X-axis uses debit_count - Per-merchant transaction history includes refunds (shown as negative) - Monthly trend chart reflects net spend per month	2026-03-10 00:43:58 +11:00
siddharthd	dd11019fdf	fix(transactions): editable transaction type, fee/interest counted as spend, fees category - TypeBadge is now clickable — opens inline select to change debit/credit/fee/interest/etc. - PATCH /api/transactions/[id] now accepts transaction_type, updates transactions table directly - Analytics monthly query includes fee and interest types as spend (not just debit) - fee and interest amounts show red in transaction list (same as debit) - Add fees category to taxonomy	2026-03-10 00:24:42 +11:00
siddharthd	714c5a9b25	feat(merchants): scatter plot, merchant profiles, and per-merchant transaction history - /merchants page with spend-vs-frequency scatter chart (click to open profile) - Merchant profile drawer: stats, monthly trend line, full transaction history - /api/analytics/merchants: split-adjusted merchant aggregates + monthly trends - /api/analytics/merchants/[merchant]: per-merchant transaction list - Add Merchants nav item to sidebar	2026-03-10 00:05:48 +11:00
siddharthd	2a10450c3e	feat(analytics): replace charts with category trend lines, Pareto chart, and cumulative spend - Category spend trend lines (top 8 categories, 6-month view) replacing stacked bar chart - Pareto chart showing 80/20 spend concentration with cumulative % line - Cumulative spend chart tracking actual vs typical monthly pace - Fix: add amount_aud to TransactionRow interface	2026-03-09 23:59:07 +11:00
siddharthd	e72d3ad9e5	feat(categories): add home_goods and home_maintenance categories	2026-03-09 23:37:28 +11:00
siddharthd	a7461ff83b	docs: replace boilerplate README with full data model and architecture reference	2026-03-09 23:12:20 +11:00
siddharthd	c1d031511a	feat(insights): committed/discretionary chart, recurring charge detection, fees & interest audit	2026-03-09 23:04:52 +11:00
siddharthd	7379437cc3	feat(statements): add bank/type/owner/year filters and row numbering	2026-03-09 22:27:21 +11:00
siddharthd	8bd7d77a8a	fix(statements): owner assignment dropdown, fix Wise CC false positive, remove amount label - Add owner <select> dropdown per row using useUpdateStatement + useParticipants - Detect CC by statement_type.includes('card') instead of credit_limit/payment_due_date (Wise multi-currency account had payment_due_date set but is not a CC) - Amount: remove 'due'/'balance' label; color green for positive bank balances, red for CC/overdraft - Add statement_type to StatementRow type	2026-03-09 21:05:34 +11:00
siddharthd	f90ba332bd	feat(statements): table layout + statement-scoped transaction view - Statements page: replace card grid with compact table showing bank, account, period, due date, currency, amount (due for CC / balance for bank), transaction count, and View button - Transactions page: wrap in Suspense, read statement_id from URL search params on load; show a dismissible indigo banner with bank name and billing period when filtering by statement; × Clear filter removes it	2026-03-09 12:03:39 +11:00
siddharthd	e3aa17acdd	fix(analytics): cast tx.amount to Number before formatting (PG returns string)	2026-03-08 21:06:14 +11:00
siddharthd	1eff0f9337	fix(analytics): use React.Fragment with key for expandable category rows	2026-03-08 21:03:53 +11:00
siddharthd	3cf67f6e2a	feat(analytics): stacked category chart, savings rate line, expandable rows - Replace grouped cashflow BarChart with ComposedChart: expense categories as colour-coded stacked bars + amber savings-rate % line on right Y-axis - Add category colour legend below chart (matches stacked bars) - Horizontal category bar chart now uses per-category colours - Breakdown table: click any category row to expand/collapse individual transactions; each transaction has an inline category dropdown that calls PATCH /api/transactions/:id → transaction_overrides, then invalidates analytics query so totals update immediately	2026-03-08 20:53:55 +11:00
siddharthd	90d8db4abe	chore: add migration 0007 for amount_aud + exchange_rate_to_aud columns	2026-03-08 19:16:51 +11:00
siddharthd	d1a0eedf03	feat(analytics): cashflow view with income/investment/net — split-adjusted + multi-currency - Add 'investment' category (shares, ETFs, super) - Analytics API: separate income, investment, expense queries; use amount_aud for FX-aware sums - Analytics page: cashflow summary (income/expenses/invested/net cash), grouped bar chart, income + invested rows in 6-month trend table - MonthlyAnalytics interface: add income, investments, net fields to totals - DB: amount_aud + exchange_rate_to_aud columns added and backfilled (in prior migration)	2026-03-08 19:15:20 +11:00
siddharthd	5dbeb0cb87	chore: commit previously untracked runtime files (splits, auth, participants, shared)	2026-03-08 18:00:46 +11:00
siddharthd	30a7857d13	feat(analytics): replace budget page with spending analytics + split-adjusted amounts - Rename 'Budget' → 'Analytics' in sidebar - Rewrite /budget page: summary cards, recharts bar charts (monthly trend + category breakdown), 6-month trend table - Fix analytics API to count only user's share for split transactions (CASE WHEN ts.share_percent IS NOT NULL THEN amount * share_percent / 100 ELSE amount END) - Install recharts	2026-03-08 17:58:33 +11:00
siddharthd	1e79ada6d8	feat(finance): implement Shared Expenses page Show split transactions with per-participant balance cards and settle buttons.	2026-03-08 17:24:04 +11:00
siddharthd	be85822cc7	merge: Phase 5 (Rules Engine) + Phase 6 (Budget & Analytics) Resolve additive conflicts in schema.prisma and hooks.ts — both models and all hooks retained.	2026-03-08 17:09:57 +11:00
siddharthd	d455738732	feat(finance): Phase 6 — Budget & Analytics Add monthly budgets per category with spend-vs-budget dashboard and 6-month trend table. Includes upsert budget API, monthly analytics endpoint, inline budget editing, and route auth fixes.	2026-03-08 16:57:33 +11:00