docs: update README and add CLAUDE.md for finance app

- New EditTransactionModal with scrollable body (sticky header/footer)
- Statement transactions: read-only core fields; manual transactions: editable date/amount/description
- Override fields for all: merchant, category, type, notes (textarea)
- InlineTags sub-component: add/remove tags without dropdown clipping issues
- Live split display via useTransactionSplits, opens SplitModal for editing
- PATCH /api/transactions/:id extended for description/amount/transaction_date (manual only)
- Transactions page: edit button per row, notes shown below description in italic

CLAUDE.md

@@ -0,0 +1,118 @@
+# CLAUDE.md
+
+Guidance for Claude Code when working in this repository.
+
+## Project Overview
+
+Personal finance tracker. Bank statements are ingested via an N8N workflow (in the smarthome repo at `docker/automation/workflows/cc-statement-processor-paperless.json`) that sends PDFs to Gemini 2.5 Flash for extraction, then inserts into PostgreSQL.
+
+- **App**: Next.js 16 App Router, TypeScript, Tailwind CSS
+- **DB**: PostgreSQL container `postgres-personal`, database `personal`, user `personal`
+- **Auth**: `X-Forwarded-User` header (email) set by Traefik → `participants.email`. In dev/fallback: participant id=1 ("Me")
+- **Runs at**: port 3000 inside container, exposed on host port 4100, proxied at `https://finance.bosecamp.com`
+
+## Common Commands
+
+```bash
+# Build and deploy (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
+
+# IMPORTANT: docker restart does NOT pick up a new image — always use the compose command above
+
+# DB access
+docker exec postgres-personal psql -U personal -d personal
+
+# View logs
+docker logs finance -f
+```
+
+## Architecture
+
+### Key Files
+
+| File | Purpose |
+|------|---------|
+| `src/lib/db.ts` | `queryRaw<T>()` — the only DB query function; uses `pg` directly |
+| `src/lib/queries.ts` | All SQL query functions (no ORM); import `queryRaw` from `@/lib/db` |
+| `src/lib/hooks.ts` | TanStack Query hooks for all API calls |
+| `src/lib/auth.ts` | `getCurrentUser()` — reads `X-Forwarded-User` header |
+| `src/lib/categories.ts` | Canonical category list (`CATEGORIES` array + `formatCategory()`) |
+| `src/app/api/*/route.ts` | API route handlers |
+| `src/components/` | Shared UI components |
+
+### Data Flow
+
+- All queries in `src/lib/queries.ts` use raw SQL via `queryRaw` from `src/lib/db.ts`
+- API routes call query functions and return `NextResponse.json()`
+- Frontend uses hooks from `src/lib/hooks.ts` (TanStack Query) — never fetches directly
+- Auth is always checked first in every API route: `const user = await getCurrentUser(req)`
+
+### Owner Scoping
+
+All data is scoped by `owner_id`. The effective owner of a transaction is:
+```sql
+COALESCE(t.owner_id, s.owner_id)
+```
+- Statement-linked transactions: owner comes from `statements.owner_id`
+- Manual transactions: `statement_id IS NULL`, owner stored directly in `transactions.owner_id`
+
+The effective merchant and category always prefer overrides:
+```sql
+COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name)  -- merchant
+COALESCE(o.category_override, t.category)                                 -- category
+```
+
+## Database
+
+```bash
+# Schema inspection
+docker exec postgres-personal psql -U personal -d personal -c "\d transactions"
+
+# Apply a migration SQL file
+docker exec postgres-personal psql -U personal -d personal < prisma/migrations/<name>/migration.sql
+```
+
+### Key Tables
+
+- `statements` — one row per billing period per bank account
+- `transactions` — line items; `statement_id` is nullable (NULL = manual entry)
+- `transaction_overrides` — user corrections to AI-extracted data (category, merchant, notes)
+- `transaction_splits` — shared expense tracking (participant, share_percent, settled)
+- `transaction_tags` — many-to-many join to `tags`
+- `rules` — auto-categorisation rules (JSONB conditions + actions)
+- `participants` — people; `id=1` is "Me" (the primary user)
+- `account_owner_mappings` — persists bank+account → owner assignments
+
+### Rules System
+
+Conditions are AND-evaluated. Fields: `merchant_normalized`, `description`, `category`, `bank_name`, `amount`, `transaction_type`. Operators: `contains`, `equals`, `starts_with`, `gt`, `lt`, `not_equals`. Actions: `set_category`, `set_merchant`, `add_tag_ids`, `apply_split`.
+
+`contains` and `equals` operators are case-insensitive (both sides `.toLowerCase()`).
+
+## Development Patterns
+
+### Adding a new API route
+
+1. Create `src/app/api/<resource>/route.ts`
+2. Always call `getCurrentUser(req)` first; return 403 if null
+3. Write SQL in `src/lib/queries.ts` using `queryRaw`
+4. Add a TanStack Query hook in `src/lib/hooks.ts`
+
+### Adding a new condition field to rules
+
+Two files only:
+- `src/app/api/rules/apply/route.ts` — add to `Condition.field` union, `TxFields` interface, and `evaluateCondition()` switch
+- `src/app/rules/page.tsx` — add to `FIELDS` array; add special rendering if needed (e.g. enum dropdown for `transaction_type`)
+
+### Modifying queries
+
+- All JOINs to `statements` must be `LEFT JOIN` (manual transactions have no statement)
+- Owner filter pattern: `WHERE COALESCE(t.owner_id, s.owner_id) = $1`
+- Bank name pattern: `COALESCE(s.bank_name, 'Manual') as bank_name`
+
+## Known Gaps / TODOs
+
+See `README.md` → **Known Gaps / TODOs** for full details.
+
+**Payment provider tracking**: `merchant_normalized` currently conflates payment provider (PayPal, Afterpay, Zip) with the actual merchant. Plan: add `payment_provider` column, update Gemini prompt to extract it separately, backfill from `merchant_name` patterns, surface in UI filters.

README.md

@@ -1,36 +1,327 @@
-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
+- **Frontend**: Next.js 16 App Router, TypeScript, Tailwind CSS, Recharts
-npm run dev
+- **Backend**: Next.js API routes, raw PostgreSQL via `pg` + `@prisma/adapter-pg`
-# or
+- **Database**: PostgreSQL (`postgres-personal` container)
-yarn dev
+- **Auth**: `X-Forwarded-User` header (email) set by Traefik forward-auth → mapped to `participants.email`
-# or
+- **Ingestion**: N8N workflow → Gemini 2.5 Flash (PDF parsing) → PostgreSQL
-pnpm dev
+
-# or
+---
-bun dev
+
+## 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` (nullable) | Parent statement; NULL for manually-entered transactions |
+| `owner_id` | int FK → `participants` (nullable) | Owner for manual transactions (no statement); statement-linked transactions derive owner from `statements.owner_id` |
+| `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`, `transaction_type`
+**Condition operators**: `contains`, `equals`, `starts_with`, `gt`, `lt`, `not_equals`
+**Actions**: `set_category`, `set_merchant`, `add_tag_ids`, `apply_split`
+
+---
+
+### `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.
+| Migration | What it adds |
-- [Learn Next.js](https://nextjs.org/learn) - an interactive Next.js tutorial.
+|-----------|-------------|
+| `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).
+> `owner_id` on transactions and `statement_id` made nullable were applied directly (March 2026) to support manual transaction entry without a fake statement.
 
-## 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.
+## Known Gaps / TODOs
 
-Check out our [Next.js deployment documentation](https://nextjs.org/docs/app/building-your-application/deploying) for more details.
+### Payment Provider tracking
+
+Currently `merchant_normalized` conflates the *payment provider* with the *merchant*. Transactions processed through PayPal, Afterpay, Zip, Alipay, etc. end up with the provider as the merchant when the real merchant can't be recovered.
+
+**What's been done so far:**
+- PayPal entries that embed the merchant name (e.g. `PAYPAL *BUNNINGSGRO`) were cleaned up — the real merchant was extracted during the March 2026 consolidation pass.
+- Pure PayPal/Afterpay/Zip entries where the merchant is unrecoverable were left as-is.
+- A one-time SQL consolidation pass normalised ~50 merchant name variant groups (March 2026).
+
+**Remaining work:**
+1. **DB migration**: `ALTER TABLE transactions ADD COLUMN payment_provider text` and same on `transaction_overrides`.
+2. **Gemini prompt**: add `payment_provider` to the `responseSchema` so the AI extracts it separately (`"PayPal"`, `"Afterpay"`, `"Zip"`, `null`, etc.) — the raw bank description usually contains enough signal.
+3. **Backfill**: for existing transactions, derive `payment_provider` from `merchant_name` patterns (`PAYPAL *`, `AFTERPAY`, `ZIP/ZIPPAY`, `BPAY`).
+4. **App**: surface `payment_provider` as a filter/column in the transactions view; exclude payment providers from merchant analytics so they don't inflate the merchant list.
+
+---
+
+## Deployment
+
+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.

package-lock.json

@@ -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": {
+      "version": "2.11.2",
+      "resolved": "https://registry.npmjs.org/@reduxjs/toolkit/-/toolkit-2.11.2.tgz",
+      "integrity": "sha512-Kd6kAHTA6/nUpp8mySPqj3en3dm0tdMIgbttnQ1xFMVpufoj+ADi8pXLBsd4xzTRHQa7t/Jv8W5UnCuW4kuWMQ==",
+      "license": "MIT",
+      "dependencies": {
+        "@standard-schema/spec": "^1.0.0",
+        "@standard-schema/utils": "^0.3.0",
+        "immer": "^11.0.0",
+        "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"
+      },
+      "peerDependenciesMeta": {
+        "react": {
+          "optional": true
+        },
+        "react-redux": {
+          "optional": true
+        }
+      }
+    },
+    "node_modules/@reduxjs/toolkit/node_modules/immer": {
+      "version": "11.1.4",
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     },
+    "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",

package.json

@@ -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",

prisma/migrations/0002_splits/migration.sql

@@ -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);

prisma/migrations/0003_owner_segregation/migration.sql

@@ -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)
+);

prisma/migrations/0006_budgets/migration.sql

@@ -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);

prisma/migrations/0007_cashflow/migration.sql

@@ -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;

prisma/migrations/0008_my_share_percent/migration.sql

@@ -0,0 +1 @@
+ALTER TABLE "transaction_overrides" ADD COLUMN "my_share_percent" DECIMAL(5,2);

prisma/schema.prisma

@@ -13,6 +13,7 @@ model transaction_overrides {
   merchant_normalized String?
   category_override   String?
   notes               String?
+  my_share_percent    Decimal?  @db.Decimal(5, 2)
   updated_at          DateTime  @default(now()) @updatedAt
 }
 

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

@@ -0,0 +1,76 @@
+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
+        WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
+        ELSE COALESCE(t.amount_aud, t.amount)
+      END::numeric(12,2) AS my_amount,
+      s.bank_name
+    FROM transactions t
+    LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
+    LEFT JOIN transaction_splits ts ON ts.transaction_id = t.id AND ts.participant_id = $1
+    JOIN statements s ON s.id = t.statement_id
+    WHERE s.owner_id = $1
+      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 });
+}

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

@@ -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 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
+        ELSE
+          (CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END)
+      END::numeric(10,2) as my_amount,
+      t.transaction_type,
+      COALESCE(o.category_override, t.category) as category,
+      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 });
+}

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

@@ -0,0 +1,121 @@
+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 MY_AMOUNT = `CASE WHEN ts.share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * ts.share_percent / 100 WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100 ELSE COALESCE(t.amount_aud, t.amount) END`;
+const SPEND_EXPR = `
+  CASE
+    WHEN t.transaction_type IN ('refund', 'credit') THEN -(${MY_AMOUNT})
+    ELSE (${MY_AMOUNT})
+  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
+          ${MY_AMOUNT}
+        ELSE 0 END
+      ), 0)::numeric(12,2) as gross_spend,
+      COALESCE(SUM(
+        CASE WHEN t.transaction_type IN ('refund', 'credit') THEN
+          ${MY_AMOUNT}
+        ELSE 0 END
+      ), 0)::numeric(12,2) as total_refunds,
+      SUM(${SPEND_EXPR})::numeric(12,2) as net_spend,
+      AVG(
+        CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN
+          ${MY_AMOUNT}
+        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 });
+}

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

@@ -0,0 +1,148 @@
+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
+          WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
+          ELSE COALESCE(t.amount_aud, t.amount)
+        END
+      )::numeric(12,2) as total_spent,
+      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 });
+}

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

@@ -0,0 +1,134 @@
+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
+          WHEN o.my_share_percent IS NOT NULL THEN COALESCE(t.amount_aud, t.amount) * o.my_share_percent / 100
+          ELSE COALESCE(t.amount_aud, t.amount)
+        END AS my_amount
+      FROM transactions t
+      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 });
+}

src/app/api/budgets/[id]/route.ts

@@ -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 });
+}

src/app/api/budgets/route.ts

@@ -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 });
+}

src/app/api/me/route.ts

@@ -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);
+}

src/app/api/merchants/route.ts

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

src/app/api/participants/[id]/balance/route.ts

@@ -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 }
+  );
+}

src/app/api/participants/balances/route.ts

@@ -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);
+}

src/app/api/participants/route.ts

@@ -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 });
+}

src/app/api/rules/apply/[id]/revert/route.ts

@@ -0,0 +1,102 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/auth";
+import { queryRaw } from "@/lib/db";
+
+interface SnapshotEntry {
+  transaction_id: number;
+  had_override: boolean;
+  prev_category_override: string | null;
+  prev_merchant_normalized: string | null;
+  prev_tag_ids: number[];
+  prev_splits: { participant_id: number; share_percent: number; settled: boolean }[];
+}
+
+export async function POST(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 runId = Number(id);
+
+  const rows = await queryRaw<{
+    id: number;
+    owner_id: number;
+    reverted_at: string | null;
+    snapshot: unknown;
+  }>(
+    `SELECT id, owner_id, reverted_at, snapshot FROM rule_apply_runs WHERE id = $1`,
+    [runId]
+  );
+
+  if (!rows.length) return NextResponse.json({ error: "Run not found" }, { status: 404 });
+  const run = rows[0];
+  if (run.owner_id !== user.id) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+  if (run.reverted_at) return NextResponse.json({ error: "Already reverted" }, { status: 409 });
+
+  const snapshot = (typeof run.snapshot === "string"
+    ? JSON.parse(run.snapshot)
+    : run.snapshot) as SnapshotEntry[];
+
+  for (const entry of snapshot) {
+    const txId = entry.transaction_id;
+
+    // Restore overrides
+    if (entry.had_override) {
+      await queryRaw(
+        `INSERT INTO transaction_overrides (transaction_id, category_override, merchant_normalized)
+         VALUES ($1, $2, $3)
+         ON CONFLICT (transaction_id) DO UPDATE SET
+           category_override = $2,
+           merchant_normalized = $3,
+           updated_at = NOW()`,
+        [txId, entry.prev_category_override, entry.prev_merchant_normalized]
+      );
+    } else {
+      // No override existed before — remove any that were created
+      await queryRaw(
+        `DELETE FROM transaction_overrides WHERE transaction_id = $1
+           AND category_override IS NULL AND merchant_normalized IS NULL`,
+        [txId]
+      );
+      // If override row exists but was only partially set by this run, clear those fields
+      await queryRaw(
+        `UPDATE transaction_overrides SET
+           category_override = NULL,
+           merchant_normalized = NULL,
+           updated_at = NOW()
+         WHERE transaction_id = $1`,
+        [txId]
+      );
+    }
+
+    // Restore tags: remove any that weren't there before, don't touch pre-existing ones
+    const prevTagIds = entry.prev_tag_ids;
+    if (prevTagIds.length > 0) {
+      await queryRaw(
+        `DELETE FROM transaction_tags WHERE transaction_id = $1 AND tag_id != ALL($2::int[])`,
+        [txId, prevTagIds]
+      );
+    } else {
+      // No tags existed before — remove all tags (they were all added by this run)
+      // Note: this only removes tags on transactions that matched this run
+      await queryRaw(`DELETE FROM transaction_tags WHERE transaction_id = $1`, [txId]);
+    }
+
+    // Restore splits
+    await queryRaw(`DELETE FROM transaction_splits WHERE transaction_id = $1`, [txId]);
+    for (const s of entry.prev_splits) {
+      await queryRaw(
+        `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent, settled)
+         VALUES ($1, $2, $3, $4) ON CONFLICT DO NOTHING`,
+        [txId, s.participant_id, s.share_percent, s.settled]
+      );
+    }
+  }
+
+  await queryRaw(
+    `UPDATE rule_apply_runs SET reverted_at = NOW() WHERE id = $1`,
+    [runId]
+  );
+
+  return NextResponse.json({ reverted: snapshot.length });
+}

src/app/api/rules/apply/route.ts

@@ -4,15 +4,30 @@ import { queryRaw } from "@/lib/db";
 import { getTransactions } from "@/lib/queries";
 
 interface Condition {
-  field: "merchant_normalized" | "description" | "category" | "bank_name" | "amount";
+  field: "merchant_normalized" | "description" | "category" | "bank_name" | "amount" | "transaction_type";
   operator: "contains" | "equals" | "starts_with" | "gt" | "lt" | "not_equals";
   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 SnapshotEntry {
+  transaction_id: number;
+  had_override: boolean;
+  prev_category_override: string | null;
+  prev_merchant_normalized: string | null;
+  prev_tag_ids: number[];
+  prev_splits: { participant_id: number; share_percent: number; settled: boolean }[];
 }
 
 interface TxFields {
@@ -21,6 +36,7 @@ interface TxFields {
   description: string;
   bank_name: string;
   amount: number;
+  transaction_type: string;
 }
 
 function evaluateCondition(cond: Condition, tx: TxFields): boolean {
@@ -42,6 +58,7 @@ function evaluateCondition(cond: Condition, tx: TxFields): boolean {
     case "description": fieldVal = tx.description || ""; break;
     case "category": fieldVal = tx.effective_category || ""; break;
     case "bank_name": fieldVal = tx.bank_name || ""; break;
+    case "transaction_type": fieldVal = tx.transaction_type || ""; break;
     default: return false;
   }
 
@@ -56,6 +73,26 @@ function evaluateCondition(cond: Condition, tx: TxFields): boolean {
   }
 }
 
+export async function GET(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const runs = await queryRaw<{
+    id: number;
+    applied_at: string;
+    split_from: string | null;
+    matched: number;
+    transactions_affected: number;
+    reverted_at: string | null;
+  }>(
+    `SELECT id, applied_at, split_from, matched, transactions_affected, reverted_at
+     FROM rule_apply_runs WHERE owner_id = $1 ORDER BY applied_at DESC LIMIT 20`,
+    [user.id]
+  );
+
+  return NextResponse.json(runs);
+}
+
 export async function POST(req: NextRequest) {
   const user = await getCurrentUser(req);
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
@@ -67,22 +104,81 @@ export async function POST(req: NextRequest) {
 
   if (!rules.length) return NextResponse.json({ matched: 0, transactions_affected: 0 });
 
+  const body = await req.json().catch(() => ({})) as { splitFrom?: string | null };
+  const splitFrom = body.splitFrom || null;
+
   const { data: transactions } = await getTransactions(user.id, { limit: 100000, offset: 0 });
 
+  // --- Pre-pass: find all transactions that will match any rule ---
+  const parsedRules = rules.map((r) => ({
+    conditions: (typeof r.conditions === "string" ? JSON.parse(r.conditions) : r.conditions) as Condition[],
+    actions: (typeof r.actions === "string" ? JSON.parse(r.actions) : r.actions) as Actions,
+  }));
+
+  const matchedIds = new Set<number>();
+  for (const tx of transactions) {
+    for (const { conditions } of parsedRules) {
+      if (conditions.length === 0 || conditions.every((c) => evaluateCondition(c, tx))) {
+        matchedIds.add(tx.id);
+        break;
+      }
+    }
+  }
+
+  // --- Capture before-state for all matched transactions (batched) ---
+  const snapshot: SnapshotEntry[] = [];
+  if (matchedIds.size > 0) {
+    const ids = Array.from(matchedIds);
+    const idList = ids.join(",");
+
+    const overrides = await queryRaw<{ transaction_id: number; category_override: string | null; merchant_normalized: string | null }>(
+      `SELECT transaction_id, category_override, merchant_normalized FROM transaction_overrides WHERE transaction_id = ANY($1::int[])`,
+      [ids]
+    );
+    const overrideMap = new Map(overrides.map((o) => [o.transaction_id, o]));
+
+    const tagRows = await queryRaw<{ transaction_id: number; tag_id: number }>(
+      `SELECT transaction_id, tag_id FROM transaction_tags WHERE transaction_id = ANY($1::int[])`,
+      [ids]
+    );
+    const tagMap = new Map<number, number[]>();
+    for (const row of tagRows) {
+      if (!tagMap.has(row.transaction_id)) tagMap.set(row.transaction_id, []);
+      tagMap.get(row.transaction_id)!.push(row.tag_id);
+    }
+
+    const splitRows = await queryRaw<{ transaction_id: number; participant_id: number; share_percent: number; settled: boolean }>(
+      `SELECT transaction_id, participant_id, share_percent, settled FROM transaction_splits WHERE transaction_id = ANY($1::int[])`,
+      [ids]
+    );
+    const splitMap = new Map<number, { participant_id: number; share_percent: number; settled: boolean }[]>();
+    for (const row of splitRows) {
+      if (!splitMap.has(row.transaction_id)) splitMap.set(row.transaction_id, []);
+      splitMap.get(row.transaction_id)!.push({ participant_id: row.participant_id, share_percent: row.share_percent, settled: row.settled });
+    }
+
+    for (const id of ids) {
+      const ov = overrideMap.get(id);
+      snapshot.push({
+        transaction_id: id,
+        had_override: !!ov,
+        prev_category_override: ov?.category_override ?? null,
+        prev_merchant_normalized: ov?.merchant_normalized ?? null,
+        prev_tag_ids: tagMap.get(id) ?? [],
+        prev_splits: splitMap.get(id) ?? [],
+      });
+    }
+
+    void idList; // suppress unused warning
+  }
+
+  // --- Apply rules ---
   let matched = 0;
   const affectedIds = new Set<number>();
 
-  for (const rule of rules) {
+  for (const { conditions, actions } of parsedRules) {
-    const conditions = (typeof rule.conditions === "string"
-      ? JSON.parse(rule.conditions)
-      : rule.conditions) as Condition[];
-    const actions = (typeof rule.actions === "string"
-      ? JSON.parse(rule.actions)
-      : rule.actions) as Actions;
-
     for (const tx of transactions) {
-      const allMatch =
+      const allMatch = conditions.length === 0 || conditions.every((c) => evaluateCondition(c, tx));
-        conditions.length === 0 || conditions.every((c) => evaluateCondition(c, tx));
       if (!allMatch) continue;
 
       matched++;
@@ -108,8 +204,27 @@ export async function POST(req: NextRequest) {
           );
         }
       }
+
+      if (actions.apply_split?.length) {
+        if (splitFrom && tx.transaction_date < splitFrom) continue;
+        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]
+          );
+        }
+      }
     }
   }
 
-  return NextResponse.json({ matched, transactions_affected: affectedIds.size });
+  // --- Save run record ---
+  const run = await queryRaw<{ id: number }>(
+    `INSERT INTO rule_apply_runs (owner_id, split_from, matched, transactions_affected, snapshot)
+     VALUES ($1, $2, $3, $4, $5) RETURNING id`,
+    [user.id, splitFrom, matched, affectedIds.size, JSON.stringify(snapshot)]
+  );
+
+  return NextResponse.json({ id: run[0].id, matched, transactions_affected: affectedIds.size });
 }

src/app/api/shared-transactions/route.ts

@@ -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);
+}

src/app/api/splits/settle/route.ts

@@ -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 });
+}

src/app/api/transactions/[id]/route.ts

@@ -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,
@@ -20,16 +23,66 @@ 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, my_share_percent, description, amount, transaction_date } = body as {
     category?: string;
     merchant_normalized?: string;
     notes?: string;
+    transaction_type?: string;
+    my_share_percent?: number | null;
+    description?: string;
+    amount?: number;
+    transaction_date?: string;
   };
 
+  if (my_share_percent !== undefined && my_share_percent !== null) {
+    if (typeof my_share_percent !== "number" || my_share_percent <= 0 || my_share_percent > 100) {
+      return NextResponse.json({ error: "my_share_percent must be between 1 and 100" }, { status: 400 });
+    }
+  }
+
+  // Direct field edits — only allowed for manual transactions (statement_id IS NULL)
+  const directFields = [description, amount, transaction_date].filter((v) => v !== undefined);
+  if (directFields.length > 0) {
+    const txRows = await queryRaw<{ statement_id: number | null }>(
+      `SELECT statement_id FROM transactions WHERE id = $1`,
+      [transactionId]
+    );
+    if (!txRows[0]?.statement_id) {
+      const setClauses: string[] = [];
+      const params: unknown[] = [];
+      let idx = 1;
+      if (description !== undefined) { setClauses.push(`description = $${idx++}`); params.push(description); }
+      if (amount !== undefined) { setClauses.push(`amount = $${idx++}`); params.push(amount); }
+      if (transaction_date !== undefined) { setClauses.push(`transaction_date = $${idx++}`); params.push(transaction_date); }
+      if (setClauses.length) {
+        params.push(transactionId);
+        await queryRaw(`UPDATE transactions SET ${setClauses.join(", ")} WHERE id = $${idx}`, params);
+      }
+    }
+  }
+
+  // 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/my_share_percent go through the overrides table
+  const hasOverride = category !== undefined || merchant_normalized !== undefined || notes !== undefined || my_share_percent !== 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;
   if (notes !== undefined) data.notes = notes;
+  if (my_share_percent !== undefined) data.my_share_percent = my_share_percent;
 
   const override = await prisma.transaction_overrides.upsert({
     where: { transaction_id: transactionId },
@@ -39,6 +92,7 @@ export async function PATCH(
       category_override: category || null,
       merchant_normalized: merchant_normalized || null,
       notes: notes || null,
+      my_share_percent: my_share_percent != null ? String(my_share_percent) : null,
     },
   });
 

src/app/api/transactions/[id]/splits/route.ts

@@ -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);
+}

src/app/api/transactions/route.ts

@@ -1,6 +1,7 @@
 import { NextRequest, NextResponse } from "next/server";
 import { getCurrentUser } from "@/lib/auth";
 import { getTransactions } from "@/lib/queries";
+import { queryRaw } from "@/lib/db";
 
 export async function GET(req: NextRequest) {
   const user = await getCurrentUser(req);
@@ -23,3 +24,54 @@ export async function GET(req: NextRequest) {
 
   return NextResponse.json(result);
 }
+
+export async function POST(req: NextRequest) {
+  const user = await getCurrentUser(req);
+  if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 403 });
+
+  const body = await req.json() as {
+    date: string;
+    description: string;
+    amount: number;
+    transaction_type?: string;
+    merchant_normalized?: string;
+    category?: string;
+    splits?: { participant_id: number; share_percent: number }[];
+  };
+
+  if (!body.date || !body.description || body.amount == null) {
+    return NextResponse.json({ error: "date, description, amount are required" }, { status: 400 });
+  }
+
+  // Insert manual transaction with no statement (statement_id = NULL, owner_id set directly)
+  const txRows = await queryRaw<{ id: number }>(
+    `INSERT INTO transactions (statement_id, owner_id, transaction_date, description, amount, transaction_type, merchant_normalized, category, row_index)
+     VALUES (NULL, $1, $2, $3, $4, $5, $6, $7, (
+       SELECT COALESCE(MAX(row_index), -1) + 1 FROM transactions WHERE owner_id = $1 AND statement_id IS NULL
+     ))
+     RETURNING id`,
+    [
+      user.id,
+      body.date,
+      body.description,
+      body.amount,
+      body.transaction_type || "debit",
+      body.merchant_normalized || null,
+      body.category || null,
+    ]
+  );
+  const transactionId = txRows[0].id;
+
+  // Insert splits if provided
+  if (body.splits?.length) {
+    for (const s of body.splits) {
+      await queryRaw(
+        `INSERT INTO transaction_splits (transaction_id, participant_id, share_percent)
+         VALUES ($1, $2, $3) ON CONFLICT DO NOTHING`,
+        [transactionId, s.participant_id, s.share_percent]
+      );
+    }
+  }
+
+  return NextResponse.json({ id: transactionId }, { status: 201 });
+}

src/app/budget/page.tsx

@@ -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>
+    <div style={TOOLTIP_STYLE} className="p-2.5 text-xs min-w-40">
-      <h2 className="text-xl font-semibold mb-4">Budget</h2>
+      <p className="text-zinc-400 mb-2 font-medium">{label}</p>
-      <p className="text-zinc-500">Coming soon - monthly budgets and analytics.</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>
   );
 }

src/app/insights/page.tsx

@@ -0,0 +1,499 @@
+"use client";
+
+import { useMemo, useState } from "react";
+import {
+  ComposedChart, Bar, Line, XAxis, YAxis, Tooltip, ResponsiveContainer,
+} from "recharts";
+import { useMonthlyAnalytics, useSubscriptions, useFees, useTransactions, useUpdateTransaction } from "@/lib/hooks";
+import { CATEGORIES, REGULAR_CATEGORIES, formatCategory } from "@/lib/categories";
+
+const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
+
+function fmt(n: number) {
+  return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", maximumFractionDigits: 0 }).format(n);
+}
+function fmtTx(amount: number, type: string) {
+  const formatted = new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", minimumFractionDigits: 2 }).format(amount);
+  return SPEND_TYPES.has(type) ? formatted : `+${formatted}`;
+}
+function fmtExact(n: number) {
+  return new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", minimumFractionDigits: 2 }).format(n);
+}
+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 RegularTooltip({ active, payload, label }: any) {
+  if (!active || !payload?.length) return null;
+  const regular = payload.find((p: any) => p.dataKey === "regular")?.value ?? 0;
+  const occasional = payload.find((p: any) => p.dataKey === "occasional")?.value ?? 0;
+  return (
+    <div className="bg-zinc-900 border border-zinc-700 rounded px-3 py-2 text-xs space-y-1">
+      <div className="font-medium text-zinc-300 mb-1">{label}</div>
+      <div className="flex justify-between gap-4"><span className="text-indigo-400">Regular</span><span>{fmt(regular)}</span></div>
+      <div className="flex justify-between gap-4"><span className="text-zinc-400">Occasional</span><span>{fmt(occasional)}</span></div>
+      <div className="flex justify-between gap-4 border-t border-zinc-700 pt-1"><span className="text-zinc-500">Total</span><span>{fmt(regular + occasional)}</span></div>
+    </div>
+  );
+}
+
+// ─── Drill-down row ──────────────────────────────────────────────────
+function DrillDownRow({
+  category,
+  from,
+  to,
+}: {
+  category: string;
+  from: string;
+  to: string;
+}) {
+  const { data, isLoading } = useTransactions({ category, from, to, limit: 200 });
+  const updateTx = useUpdateTransaction();
+
+  if (isLoading) {
+    return (
+      <tr>
+        <td colSpan={2} className="px-4 py-3 text-xs text-zinc-500">Loading...</td>
+      </tr>
+    );
+  }
+
+  const txns = data?.data ?? [];
+
+  return (
+    <tr>
+      <td colSpan={2} className="px-0 py-0">
+        <div className="bg-zinc-950 border-t border-zinc-800/50">
+          {txns.length === 0 ? (
+            <p className="px-6 py-3 text-xs text-zinc-600">No transactions found.</p>
+          ) : (
+            <table className="w-full text-xs">
+              <thead>
+                <tr className="border-b border-zinc-800">
+                  <th className="text-left px-6 py-2 text-zinc-600 font-medium">Date</th>
+                  <th className="text-left px-4 py-2 text-zinc-600 font-medium">Merchant</th>
+                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">My share</th>
+                  <th className="text-left px-4 py-2 text-zinc-600 font-medium">Category</th>
+                  <th className="text-right px-4 py-2 text-zinc-600 font-medium">% mine</th>
+                </tr>
+              </thead>
+              <tbody>
+                {txns.map((t) => {
+                  const sharePct = t.my_share_percent ?? 100;
+                  const effectiveAmt = t.amount * sharePct / 100;
+                  const isDebit = SPEND_TYPES.has(t.transaction_type);
+                  return (
+                  <tr key={t.id} className="border-b border-zinc-800/30 hover:bg-zinc-900/30">
+                    <td className="px-6 py-2 text-zinc-500 whitespace-nowrap">
+                      {new Date(t.transaction_date).toLocaleDateString("en-AU", { day: "2-digit", month: "short" })}
+                    </td>
+                    <td className="px-4 py-2 text-zinc-300">{t.merchant_name || t.description}</td>
+                    <td className={`px-4 py-2 text-right tabular-nums ${isDebit ? "text-zinc-200" : "text-green-400"}`}>
+                      {fmtTx(effectiveAmt, t.transaction_type)}
+                      {sharePct < 100 && (
+                        <span className="text-zinc-600 ml-1 line-through">{fmtExact(t.amount)}</span>
+                      )}
+                    </td>
+                    <td className="px-4 py-2">
+                      <select
+                        className="bg-zinc-800 border border-zinc-700 rounded px-2 py-0.5 text-xs text-zinc-300 focus:outline-none focus:border-indigo-500"
+                        defaultValue={t.effective_category ?? "other"}
+                        onChange={(e) => updateTx.mutate({ id: t.id, category: e.target.value })}
+                      >
+                        {CATEGORIES.map((c) => (
+                          <option key={c} value={c}>{formatCategory(c)}</option>
+                        ))}
+                      </select>
+                    </td>
+                    <td className="px-4 py-2 text-right">
+                      <select
+                        className="bg-zinc-800 border border-zinc-700 rounded px-2 py-0.5 text-xs text-zinc-300 focus:outline-none focus:border-indigo-500"
+                        defaultValue={t.my_share_percent ?? 100}
+                        onChange={(e) => {
+                          const val = Number(e.target.value);
+                          updateTx.mutate({ id: t.id, my_share_percent: val === 100 ? null : val });
+                        }}
+                      >
+                        <option value={100}>100%</option>
+                        <option value={75}>75%</option>
+                        <option value={67}>67%</option>
+                        <option value={50}>50%</option>
+                        <option value={33}>33%</option>
+                        <option value={25}>25%</option>
+                      </select>
+                    </td>
+                  </tr>
+                  );
+                })}
+              </tbody>
+            </table>
+          )}
+        </div>
+      </td>
+    </tr>
+  );
+}
+
+// ─── Monthly Spend Breakdown ─────────────────────────────────────────
+function MonthlyBreakdown({ analytics }: { analytics: NonNullable<ReturnType<typeof useMonthlyAnalytics>["data"]> }) {
+  // analytics.months is newest-first; show last 6
+  const months = useMemo(() => analytics.months.slice(0, 6), [analytics.months]);
+  const [selectedMonth, setSelectedMonth] = useState<string>(months[0] ?? "");
+  const [expandedCategory, setExpandedCategory] = useState<string | null>(null);
+
+  // Reset expanded when month changes
+  const handleSelectMonth = (m: string) => {
+    setSelectedMonth(m);
+    setExpandedCategory(null);
+  };
+
+  const from = selectedMonth + "-01";
+  const lastDay = new Date(parseInt(selectedMonth.slice(0, 4)), parseInt(selectedMonth.slice(5, 7)), 0).getDate();
+  const to = selectedMonth + "-" + String(lastDay).padStart(2, "0");
+
+  const categoryData = useMemo(() => {
+    return analytics.rows
+      .map((row) => ({ category: row.category, amount: Number(row.spent[selectedMonth] ?? 0) }))
+      .filter((r) => r.amount > 0)
+      .sort((a, b) => b.amount - a.amount);
+  }, [analytics.rows, selectedMonth]);
+
+  const regularRows = categoryData.filter((r) => REGULAR_CATEGORIES.has(r.category as any));
+  const occasionalRows = categoryData.filter((r) => !REGULAR_CATEGORIES.has(r.category as any));
+  const regularTotal = regularRows.reduce((s, r) => s + r.amount, 0);
+  const occasionalTotal = occasionalRows.reduce((s, r) => s + r.amount, 0);
+
+  function monthLabel(m: string) {
+    const [year, month] = m.split("-");
+    return new Date(parseInt(year), parseInt(month) - 1).toLocaleDateString("en-AU", { month: "short", year: "2-digit" });
+  }
+
+  function renderRows(rows: typeof categoryData, dotClass: string) {
+    return rows.map((row) => (
+      <>
+        <tr
+          key={row.category}
+          className="border-b border-zinc-800/50 hover:bg-zinc-800/20 cursor-pointer transition-colors"
+          onClick={() => setExpandedCategory(expandedCategory === row.category ? null : row.category)}
+        >
+          <td className="px-4 py-2.5">
+            <span className="flex items-center gap-2 text-sm text-zinc-300">
+              <span className={`w-2 h-2 rounded-full inline-block flex-shrink-0 ${dotClass}`} />
+              {formatCategory(row.category)}
+              <span className="text-zinc-600 text-xs">{expandedCategory === row.category ? "▲" : "▼"}</span>
+            </span>
+          </td>
+          <td className="px-4 py-2.5 text-right tabular-nums text-sm text-zinc-200">{fmt(row.amount)}</td>
+        </tr>
+        {expandedCategory === row.category && (
+          <DrillDownRow
+            key={`${row.category}-drill`}
+            category={row.category}
+            from={from}
+            to={to}
+          />
+        )}
+      </>
+    ));
+  }
+
+  return (
+    <div>
+      {/* Month tabs */}
+      <div className="flex gap-1 mb-3 flex-wrap">
+        {months.map((m) => (
+          <button
+            key={m}
+            onClick={() => handleSelectMonth(m)}
+            className={`px-3 py-1.5 rounded-md text-xs font-medium transition-colors ${
+              m === selectedMonth
+                ? "bg-indigo-600 text-white"
+                : "bg-zinc-800 text-zinc-400 hover:bg-zinc-700 hover:text-zinc-200"
+            }`}
+          >
+            {monthLabel(m)}
+          </button>
+        ))}
+      </div>
+
+      <div className="border border-zinc-700 rounded-xl overflow-hidden">
+        <table className="w-full text-sm">
+          <thead>
+            <tr className="border-b border-zinc-800 bg-zinc-900">
+              <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Category</th>
+              <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Spend</th>
+            </tr>
+          </thead>
+          <tbody>
+            {regularRows.length > 0 && (
+              <>
+                <tr className="bg-zinc-900/30">
+                  <td className="px-4 py-1.5 text-xs text-indigo-400 font-medium tracking-wide uppercase">Regular</td>
+                  <td className="px-4 py-1.5 text-right text-xs text-indigo-400 font-medium">{fmt(regularTotal)}</td>
+                </tr>
+                {renderRows(regularRows, "bg-indigo-500")}
+              </>
+            )}
+            {occasionalRows.length > 0 && (
+              <>
+                <tr className="bg-zinc-900/30">
+                  <td className="px-4 py-1.5 text-xs text-zinc-500 font-medium tracking-wide uppercase">Occasional</td>
+                  <td className="px-4 py-1.5 text-right text-xs text-zinc-500 font-medium">{fmt(occasionalTotal)}</td>
+                </tr>
+                {renderRows(occasionalRows, "bg-zinc-500")}
+              </>
+            )}
+            {categoryData.length === 0 && (
+              <tr>
+                <td colSpan={2} className="px-4 py-6 text-center text-xs text-zinc-600">No spend data for this month.</td>
+              </tr>
+            )}
+          </tbody>
+        </table>
+      </div>
+    </div>
+  );
+}
+
+// ─── Main page ────────────────────────────────────────────────────────
+export default function InsightsPage() {
+  const { data: analytics } = useMonthlyAnalytics(12);
+  const { data: analytics6 } = useMonthlyAnalytics(6);
+  const { data: subData } = useSubscriptions();
+  const { data: feesData } = useFees();
+
+  // Build regular/occasional chart data
+  const chartData = useMemo(() => {
+    if (!analytics) return [];
+    return [...analytics.months].reverse().map((month) => {
+      let regular = 0;
+      let occasional = 0;
+      for (const row of analytics.rows) {
+        const spend = Number(row.spent[month] ?? 0);
+        if (REGULAR_CATEGORIES.has(row.category as any)) regular += spend;
+        else occasional += spend;
+      }
+      return {
+        month: month.slice(5) + "/" + month.slice(2, 4),
+        regular: Math.round(regular),
+        occasional: Math.round(occasional),
+        total: Math.round(regular + occasional),
+      };
+    });
+  }, [analytics]);
+
+  const regularValues = chartData.map((d) => d.regular);
+  const regularTrend = trend(regularValues);
+  const avgRegular = regularValues.length
+    ? Math.round(regularValues.reduce((a, b) => a + b, 0) / regularValues.length)
+    : 0;
+  const latestRegular = regularValues[regularValues.length - 1] ?? 0;
+
+  const activeSubscriptions = subData?.subscriptions.filter((s) => s.is_active) ?? [];
+  const inactiveSubscriptions = subData?.subscriptions.filter((s) => !s.is_active) ?? [];
+
+  return (
+    <div className="max-w-4xl">
+      <h2 className="text-xl font-semibold mb-6">Insights</h2>
+
+      {/* ── 1. Regular vs Occasional ── */}
+      <Section title="Regular vs Occasional Spend">
+        <div className="grid grid-cols-3 gap-3 mb-4">
+          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
+            <div className="text-xs text-zinc-500 mb-1">This month — regular spend</div>
+            <div className="text-xl font-semibold text-indigo-400">{fmt(latestRegular)}</div>
+          </div>
+          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
+            <div className="text-xs text-zinc-500 mb-1">12-month avg regular</div>
+            <div className="text-xl font-semibold text-zinc-200">{fmt(avgRegular)}</div>
+          </div>
+          <div className="bg-zinc-900 border border-zinc-800 rounded-lg px-4 py-3">
+            <div className="text-xs text-zinc-500 mb-1">Trend (first 3 vs last 3 mo)</div>
+            <div className={`text-xl font-semibold ${regularTrend.dir === "up" ? "text-red-400" : regularTrend.dir === "down" ? "text-green-400" : "text-zinc-400"}`}>
+              {regularTrend.dir === "up" ? "↑" : regularTrend.dir === "down" ? "↓" : "→"} {regularTrend.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={<RegularTooltip />} />
+              <Bar dataKey="regular" stackId="a" fill="#6366f1" name="Regular" radius={[0, 0, 0, 0]} />
+              <Bar dataKey="occasional" stackId="a" fill="#3f3f46" name="Occasional" radius={[3, 3, 0, 0]} />
+              <Line type="monotone" dataKey="regular" stroke="#818cf8" strokeWidth={2} dot={false} strokeDasharray="4 2" />
+            </ComposedChart>
+          </ResponsiveContainer>
+          <div className="flex gap-4 mt-2 justify-end">
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-indigo-500 inline-block" />Regular (groceries, dining, transport…)</span>
+            <span className="flex items-center gap-1.5 text-xs text-zinc-500"><span className="w-3 h-2 rounded-sm bg-zinc-600 inline-block" />Occasional</span>
+          </div>
+        </div>
+      </Section>
+
+      {/* ── 2. Monthly Spend Breakdown ── */}
+      <Section title="Monthly Spend Breakdown">
+        {!analytics6 ? (
+          <p className="text-zinc-500 text-sm">Loading...</p>
+        ) : (
+          <MonthlyBreakdown analytics={analytics6} />
+        )}
+      </Section>
+
+      {/* ── 3. Recurring Charges ── */}
+      <Section title="Recurring Charges">
+        {!subData ? (
+          <p className="text-zinc-500 text-sm">Loading...</p>
+        ) : 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>
+
+      {/* ── 4. 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>
+  );
+}

src/app/merchants/page.tsx

@@ -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>
+  );
+}

src/app/rules/page.tsx

@@ -1,7 +1,7 @@
 "use client";
 
 import { useState } from "react";
-import { useRules, useCreateRule, useUpdateRule, useDeleteRule, useApplyRules, useTags } from "@/lib/hooks";
+import { useRules, useCreateRule, useUpdateRule, useDeleteRule, useApplyRules, useRuleRuns, useRevertRuleRun, useTags, useParticipants } from "@/lib/hooks";
 import { CATEGORIES, formatCategory } from "@/lib/categories";
 
 const FIELDS = [
@@ -10,6 +10,7 @@ const FIELDS = [
   { value: "category", label: "Category" },
   { value: "bank_name", label: "Bank" },
   { value: "amount", label: "Amount" },
+  { value: "transaction_type", label: "Transaction Type" },
 ] as const;
 
 const TEXT_OPS = [
@@ -24,18 +25,24 @@ const AMOUNT_OPS = [
   { value: "gt", label: ">" },
   { value: "lt", label: "<" },
 ];
+const ENUM_OPS = [
+  { value: "equals", label: "equals" },
+  { value: "not_equals", label: "not equals" },
+];
+const TRANSACTION_TYPES = ["debit", "credit", "payment", "refund", "fee", "interest", "transfer"];
 
 type Condition = { field: string; operator: string; value: string };
-type Actions = { set_category?: string; add_tag_ids?: number[]; set_merchant?: string };
+type SplitEntry = { participant_id: number; share_percent: number };
+type Actions = { set_category?: string; add_tag_ids?: number[]; set_merchant?: string; apply_split?: SplitEntry[] };
 
 function humanCondition(c: Condition): string {
   const fieldLabel = FIELDS.find((f) => f.value === c.field)?.label || c.field;
-  const ops = [...TEXT_OPS, ...AMOUNT_OPS];
+  const ops = [...TEXT_OPS, ...AMOUNT_OPS, ...ENUM_OPS];
   const opText = ops.find((o) => o.value === c.operator)?.label || c.operator;
   return `${fieldLabel} ${opText} "${c.value}"`;
 }
 
-function humanAction(a: Actions, tagNames: Map<number, string>): string {
+function humanAction(a: Actions, tagNames: Map<number, string>, participantNames: Map<number, string>): string {
   const parts: string[] = [];
   if (a.set_category) parts.push(`set category: ${formatCategory(a.set_category)}`);
   if (a.set_merchant) parts.push(`set merchant: ${a.set_merchant}`);
@@ -43,26 +50,62 @@ function humanAction(a: Actions, tagNames: Map<number, string>): string {
     const names = a.add_tag_ids.map((id) => tagNames.get(id) || `tag#${id}`).join(", ");
     parts.push(`add tags: ${names}`);
   }
+  if (a.apply_split?.length) {
+    const splits = a.apply_split.map((s) => `${participantNames.get(s.participant_id) || `#${s.participant_id}`} ${s.share_percent}%`).join(", ");
+    parts.push(`split: ${splits}`);
+  }
   return parts.length ? "→ " + parts.join(", ") : "(no actions)";
 }
 
+const EMPTY_ACTIONS: Actions = {};
+
 export default function RulesPage() {
   const { data: rules = [], isLoading } = useRules();
   const { data: tags = [] } = useTags();
+  const { data: participants = [] } = useParticipants();
   const createRule = useCreateRule();
   const updateRule = useUpdateRule();
   const deleteRule = useDeleteRule();
   const applyRules = useApplyRules();
+  const { data: runs = [] } = useRuleRuns();
+  const revertRun = useRevertRuleRun();
 
   const tagNames = new Map(tags.map((t) => [t.id, t.name]));
+  const participantNames = new Map(participants.map((p) => [p.id, p.name]));
 
+  const [applyFrom, setApplyFrom] = useState("2026-01-08");
   const [showForm, setShowForm] = useState(false);
+  const [editingId, setEditingId] = useState<number | null>(null);
   const [applyResult, setApplyResult] = useState<{ matched: number; transactions_affected: number } | null>(null);
   const [name, setName] = useState("");
   const [conditions, setConditions] = useState<Condition[]>([]);
-  const [actions, setActions] = useState<Actions>({});
+  const [actions, setActions] = useState<Actions>(EMPTY_ACTIONS);
   const [priority, setPriority] = useState(0);
 
+  function openNewForm() {
+    setEditingId(null);
+    setName("");
+    setConditions([]);
+    setActions(EMPTY_ACTIONS);
+    setPriority(0);
+    setShowForm(true);
+  }
+
+  function openEditForm(rule: { id: number; name: string; conditions: Condition[]; actions: Actions; priority: number }) {
+    setEditingId(rule.id);
+    setName(rule.name);
+    setConditions(Array.isArray(rule.conditions) ? rule.conditions : []);
+    setActions(rule.actions && typeof rule.actions === "object" ? rule.actions : EMPTY_ACTIONS);
+    setPriority(rule.priority);
+    setShowForm(true);
+    window.scrollTo({ top: 0, behavior: "smooth" });
+  }
+
+  function closeForm() {
+    setShowForm(false);
+    setEditingId(null);
+  }
+
   function addCondition() {
     setConditions([...conditions, { field: "merchant_normalized", operator: "contains", value: "" }]);
   }
@@ -75,26 +118,54 @@ export default function RulesPage() {
     setConditions(conditions.filter((_, idx) => idx !== i));
   }
 
+  function addSplitEntry() {
+    if (!participants.length) return;
+    const existing = actions.apply_split || [];
+    setActions({ ...actions, apply_split: [...existing, { participant_id: participants[0].id, share_percent: 0 }] });
+  }
+
+  function updateSplitEntry(i: number, patch: Partial<SplitEntry>) {
+    const entries = (actions.apply_split || []).map((s, idx) => (idx === i ? { ...s, ...patch } : s));
+    setActions({ ...actions, apply_split: entries });
+  }
+
+  function removeSplitEntry(i: number) {
+    const entries = (actions.apply_split || []).filter((_, idx) => idx !== i);
+    setActions({ ...actions, apply_split: entries.length ? entries : undefined });
+  }
+
   async function handleSubmit(e: React.FormEvent) {
     e.preventDefault();
-    await createRule.mutateAsync({ name, conditions, actions, enabled: true, priority });
+    const payload = { name, conditions, actions, enabled: true, priority };
-    setName("");
+    if (editingId !== null) {
-    setConditions([]);
+      await updateRule.mutateAsync({ id: editingId, ...payload });
-    setActions({});
+    } else {
-    setPriority(0);
+      await createRule.mutateAsync(payload);
-    setShowForm(false);
+    }
+    closeForm();
   }
 
   async function handleApply() {
-    const result = await applyRules.mutateAsync();
+    const result = await applyRules.mutateAsync(applyFrom || undefined);
     setApplyResult(result);
   }
 
+  const splitTotal = (actions.apply_split || []).reduce((sum, s) => sum + (s.share_percent || 0), 0);
+  const isPending = editingId !== null ? updateRule.isPending : createRule.isPending;
+
   return (
     <div className="space-y-6">
       <div className="flex items-center justify-between">
         <h2 className="text-xl font-semibold">Rules</h2>
-        <div className="flex gap-2">
+        <div className="flex gap-2 items-center">
+          <label className="text-xs text-zinc-500 whitespace-nowrap">Splits from</label>
+          <input
+            type="date"
+            value={applyFrom}
+            onChange={(e) => setApplyFrom(e.target.value)}
+            className="bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+            title="Split rules only apply to transactions on or after this date. Category/merchant/tag rules apply to all transactions."
+          />
           <button
             onClick={handleApply}
             disabled={applyRules.isPending}
@@ -103,7 +174,7 @@ export default function RulesPage() {
             {applyRules.isPending ? "Applying..." : "Apply All Rules"}
           </button>
           <button
-            onClick={() => setShowForm(!showForm)}
+            onClick={showForm ? closeForm : openNewForm}
             className="px-4 py-2 bg-indigo-600 hover:bg-indigo-500 text-white rounded-lg text-sm font-medium"
           >
             {showForm ? "Cancel" : "New Rule"}
@@ -123,7 +194,7 @@ export default function RulesPage() {
 
       {showForm && (
         <form onSubmit={handleSubmit} className="bg-zinc-900 border border-zinc-700 rounded-xl p-6 space-y-4">
-          <h3 className="font-semibold text-sm text-zinc-300">New Rule</h3>
+          <h3 className="font-semibold text-sm text-zinc-300">{editingId !== null ? "Edit Rule" : "New Rule"}</h3>
 
           <div>
             <label className="block text-xs text-zinc-500 mb-1">Rule Name</label>
@@ -145,17 +216,20 @@ export default function RulesPage() {
             </div>
             {conditions.map((cond, i) => {
               const isAmount = cond.field === "amount";
-              const ops = isAmount ? AMOUNT_OPS : TEXT_OPS;
+              const isEnum = cond.field === "transaction_type";
+              const ops = isAmount ? AMOUNT_OPS : isEnum ? ENUM_OPS : TEXT_OPS;
               return (
                 <div key={i} className="flex gap-2 mb-2 items-center">
                   <select
                     value={cond.field}
-                    onChange={(e) =>
+                    onChange={(e) => {
-                      updateCondition(i, {
+                      const newField = e.target.value;
-                        field: e.target.value,
+                      const patch: Partial<Condition> = { field: newField };
-                        operator: e.target.value === "amount" ? "equals" : "contains",
+                      if (newField === "amount") { patch.operator = "equals"; patch.value = ""; }
-                      })
+                      else if (newField === "transaction_type") { patch.operator = "equals"; patch.value = "debit"; }
-                    }
+                      else { patch.operator = "contains"; patch.value = ""; }
+                      updateCondition(i, patch);
+                    }}
                     className="bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
                   >
                     {FIELDS.map((f) => (
@@ -175,12 +249,24 @@ export default function RulesPage() {
                       </option>
                     ))}
                   </select>
-                  <input
+                  {isEnum ? (
-                    value={cond.value}
+                    <select
-                    onChange={(e) => updateCondition(i, { value: e.target.value })}
+                      value={cond.value}
-                    placeholder="value"
+                      onChange={(e) => updateCondition(i, { value: e.target.value })}
-                    className="flex-1 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                      className="flex-1 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
-                  />
+                    >
+                      {TRANSACTION_TYPES.map((t) => (
+                        <option key={t} value={t}>{t}</option>
+                      ))}
+                    </select>
+                  ) : (
+                    <input
+                      value={cond.value}
+                      onChange={(e) => updateCondition(i, { value: e.target.value })}
+                      placeholder="value"
+                      className="flex-1 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                    />
+                  )}
                   <button
                     type="button"
                     onClick={() => removeCondition(i)}
@@ -252,6 +338,56 @@ export default function RulesPage() {
             </div>
           </div>
 
+          <div>
+            <div className="flex items-center justify-between mb-2">
+              <label className="text-xs text-zinc-500">
+                Apply Split (optional)
+                {(actions.apply_split?.length ?? 0) > 0 && (
+                  <span className={`ml-2 ${splitTotal === 100 ? "text-emerald-400" : "text-amber-400"}`}>
+                    {splitTotal}% total
+                  </span>
+                )}
+              </label>
+              {participants.length > 0 && (
+                <button type="button" onClick={addSplitEntry} className="text-xs text-indigo-400 hover:text-indigo-300">
+                  + Add participant
+                </button>
+              )}
+            </div>
+            {(actions.apply_split || []).map((entry, i) => (
+              <div key={i} className="flex gap-2 mb-2 items-center">
+                <select
+                  value={entry.participant_id}
+                  onChange={(e) => updateSplitEntry(i, { participant_id: Number(e.target.value) })}
+                  className="flex-1 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                >
+                  {participants.map((p) => (
+                    <option key={p.id} value={p.id}>{p.name}</option>
+                  ))}
+                </select>
+                <input
+                  type="number"
+                  min={0}
+                  max={100}
+                  value={entry.share_percent}
+                  onChange={(e) => updateSplitEntry(i, { share_percent: Number(e.target.value) })}
+                  className="w-20 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                />
+                <span className="text-xs text-zinc-500">%</span>
+                <button
+                  type="button"
+                  onClick={() => removeSplitEntry(i)}
+                  className="text-zinc-500 hover:text-red-400 text-lg leading-none px-1"
+                >
+                  ×
+                </button>
+              </div>
+            ))}
+            {participants.length === 0 && (
+              <p className="text-xs text-zinc-600">No participants created yet.</p>
+            )}
+          </div>
+
           <div className="flex items-end gap-4">
             <div>
               <label className="block text-xs text-zinc-500 mb-1">Priority</label>
@@ -264,15 +400,47 @@ export default function RulesPage() {
             </div>
             <button
               type="submit"
-              disabled={createRule.isPending}
+              disabled={isPending}
               className="px-6 py-2 bg-indigo-600 hover:bg-indigo-500 text-white rounded-lg text-sm font-medium disabled:opacity-50"
             >
-              {createRule.isPending ? "Creating..." : "Create Rule"}
+              {isPending ? "Saving..." : editingId !== null ? "Save Changes" : "Create Rule"}
             </button>
           </div>
         </form>
       )}
 
+      {runs.length > 0 && (
+        <div>
+          <h3 className="text-sm font-medium text-zinc-400 mb-2">Apply History</h3>
+          <div className="space-y-2">
+            {runs.map((run) => (
+              <div key={run.id} className={`flex items-center justify-between px-4 py-2.5 rounded-lg border text-sm ${run.reverted_at ? "bg-zinc-900/40 border-zinc-800 opacity-60" : "bg-zinc-900 border-zinc-700"}`}>
+                <div className="flex items-center gap-4">
+                  <span className="text-zinc-300">{new Date(run.applied_at).toLocaleString()}</span>
+                  <span className="text-zinc-500">{run.matched} matches · {run.transactions_affected} transactions</span>
+                  {run.split_from && <span className="text-zinc-600 text-xs">splits from {run.split_from}</span>}
+                </div>
+                {run.reverted_at ? (
+                  <span className="text-xs text-zinc-500">reverted {new Date(run.reverted_at).toLocaleString()}</span>
+                ) : (
+                  <button
+                    onClick={() => {
+                      if (confirm("Revert this run? This will restore all affected transactions to their state before the rules were applied.")) {
+                        revertRun.mutate(run.id);
+                      }
+                    }}
+                    disabled={revertRun.isPending}
+                    className="text-xs text-amber-400 hover:text-amber-300 disabled:opacity-50"
+                  >
+                    Revert
+                  </button>
+                )}
+              </div>
+            ))}
+          </div>
+        </div>
+      )}
+
       {isLoading ? (
         <p className="text-zinc-500 text-sm">Loading rules...</p>
       ) : rules.length === 0 ? (
@@ -294,7 +462,7 @@ export default function RulesPage() {
                     <p className="text-xs text-zinc-400">
                       {conds.length > 0 ? conds.map(humanCondition).join(" AND ") : "(matches all)"}
                     </p>
-                    <p className="text-xs text-zinc-500 mt-1">{humanAction(acts, tagNames)}</p>
+                    <p className="text-xs text-zinc-500 mt-1">{humanAction(acts, tagNames, participantNames)}</p>
                   </div>
                   <div className="flex items-center gap-3 shrink-0">
                     <button
@@ -309,6 +477,12 @@ export default function RulesPage() {
                         }`}
                       />
                     </button>
+                    <button
+                      onClick={() => openEditForm({ id: rule.id, name: rule.name, conditions: conds as Condition[], actions: acts, priority: rule.priority })}
+                      className="text-zinc-400 hover:text-white text-sm"
+                    >
+                      Edit
+                    </button>
                     <button
                       onClick={() => {
                         if (confirm("Delete this rule?")) deleteRule.mutate(rule.id);

src/app/shared/page.tsx

@@ -1,8 +1,228 @@
-export default function SharedPage() {
+"use client";
+
+import { useState } from "react";
+import {
+  useSharedTransactions,
+  useParticipantBalances,
+  useSettleSplits,
+  useCreateParticipant,
+} 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" });
+}
+
+const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
+
+function formatAmount(n: number, type?: string) {
+  const formatted = `$${Number(n).toFixed(2)}`;
+  return type && !SPEND_TYPES.has(type) ? `+${formatted}` : formatted;
+}
+
+function AddParticipantForm({ onDone }: { onDone: () => void }) {
+  const [name, setName] = useState("");
+  const [email, setEmail] = useState("");
+  const [error, setError] = useState("");
+  const create = useCreateParticipant();
+
+  async function handleSubmit(e: React.FormEvent) {
+    e.preventDefault();
+    setError("");
+    if (!name.trim()) { setError("Name is required"); return; }
+    try {
+      await create.mutateAsync({ name: name.trim(), email: email.trim() || undefined });
+      onDone();
+    } catch (err) {
+      setError(err instanceof Error ? err.message : "Failed to create");
+    }
+  }
+
   return (
-    <div>
+    <form onSubmit={handleSubmit} className="bg-zinc-900 border border-zinc-700 rounded-xl p-4 space-y-3">
-      <h2 className="text-xl font-semibold mb-4">Shared Expenses</h2>
+      <p className="text-sm font-medium">Add Participant</p>
-      <p className="text-zinc-500">Coming soon - track shared expenses and splits.</p>
+      <div className="flex gap-2">
+        <input
+          type="text"
+          placeholder="Name"
+          value={name}
+          onChange={(e) => setName(e.target.value)}
+          className="flex-1 bg-zinc-800 border border-zinc-700 rounded-lg px-3 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+        />
+        <input
+          type="email"
+          placeholder="Email (optional)"
+          value={email}
+          onChange={(e) => setEmail(e.target.value)}
+          className="flex-1 bg-zinc-800 border border-zinc-700 rounded-lg px-3 py-1.5 text-sm focus:outline-none focus:border-zinc-500"
+        />
+        <button
+          type="submit"
+          disabled={create.isPending}
+          className="px-3 py-1.5 bg-blue-600 hover:bg-blue-700 disabled:opacity-50 text-white rounded-lg text-sm font-medium"
+        >
+          {create.isPending ? "Adding..." : "Add"}
+        </button>
+        <button
+          type="button"
+          onClick={onDone}
+          className="px-3 py-1.5 bg-zinc-800 hover:bg-zinc-700 text-zinc-400 rounded-lg text-sm"
+        >
+          Cancel
+        </button>
+      </div>
+      {error && <p className="text-red-400 text-xs">{error}</p>}
+    </form>
+  );
+}
+
+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);
+  const [addingParticipant, setAddingParticipant] = useState(false);
+
+  async function handleSettleParticipant(participantId: number) {
+    setSettling(participantId);
+    await settle.mutateAsync({ participant_id: participantId });
+    setSettling(null);
+  }
+
+  return (
+    <div className="space-y-6">
+      <div className="flex items-center justify-between">
+        <h2 className="text-xl font-semibold">Shared Expenses</h2>
+        {!addingParticipant && (
+          <button
+            onClick={() => setAddingParticipant(true)}
+            className="text-sm px-3 py-1.5 bg-zinc-800 hover:bg-zinc-700 text-zinc-300 rounded-lg"
+          >
+            + Add Participant
+          </button>
+        )}
+      </div>
+
+      {addingParticipant && (
+        <AddParticipantForm onDone={() => setAddingParticipant(false)} />
+      )}
+
+      {/* 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>
+        ) : (
+          balances.map((b) => {
+            const theyOweMe = b.total_owed > 0;
+            const net = Math.abs(b.total_owed);
+            return (
+              <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">
+                      {theyOweMe ? `${b.unsettled_count} unsettled` : "you owe"}
+                    </p>
+                  </div>
+                  <div className="text-right">
+                    <p className={`text-lg font-semibold ${theyOweMe ? "text-amber-400" : "text-blue-400"}`}>
+                      ${net.toFixed(2)}
+                    </p>
+                    <p className="text-xs text-zinc-500">{theyOweMe ? "owes you" : "you owe"}</p>
+                  </div>
+                </div>
+                {theyOweMe && 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 ${SPEND_TYPES.has(tx.transaction_type) ? "" : "text-green-400"}`}>
+                      {formatAmount(tx.amount, tx.transaction_type)}
+                    </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>
   );
 }

src/app/statements/page.tsx

@@ -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") {
+function formatPeriod(start: string | null, end: string | null) {
-  if (amount === null || amount === undefined) return "-";
+  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,
+    currency: "AUD",
-  }).format(amount);
+    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>
+        <p className="text-zinc-500 text-sm">Loading...</p>
-      ) : !statements?.length ? (
+      ) : !filtered.length ? (
-        <p className="text-zinc-500">No statements found</p>
+        <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">
+        <div className="border border-zinc-700 rounded-xl overflow-hidden">
-          {statements.map((s) => (
+          <table className="w-full text-sm">
-            <div
+            <thead>
-              key={s.id}
+              <tr className="border-b border-zinc-800 bg-zinc-900">
-              className="border border-zinc-800 rounded-lg p-4 bg-zinc-900/50 hover:border-zinc-700 transition-colors"
+                <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>
-              <div className="flex items-center justify-between mb-2">
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Account</th>
-                <h3 className="font-medium">{s.bank_name}</h3>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Period</th>
-                <span className="text-xs text-zinc-500">{s.currency}</span>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Due / End</th>
-              </div>
+                <th className="text-left px-4 py-2.5 text-xs text-zinc-500 font-medium">Ccy</th>
-              {s.card_name && (
+                <th className="text-right px-4 py-2.5 text-xs text-zinc-500 font-medium">Amount</th>
-                <p className="text-sm text-zinc-400 mb-2">{s.card_name}</p>
+                <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>
-              <div className="text-sm text-zinc-400 space-y-1">
+                <th className="px-4 py-2.5"></th>
-                <p>Account: {s.account_number}</p>
+              </tr>
-                <p>
+            </thead>
-                  Period: {formatDate(s.billing_start_date)} - {formatDate(s.billing_end_date)}
+            <tbody>
-                </p>
+              {filtered.map((s, idx) => {
-                <p>Due: {formatDate(s.payment_due_date)}</p>
+                const isCreditCard = s.statement_type?.toLowerCase().includes("card") ?? false;
-              </div>
+                const displayAmount = isCreditCard ? s.total_amount_due : s.closing_balance;
-              <div className="mt-3 pt-3 border-t border-zinc-800 flex items-center justify-between">
+                const amount = Number(displayAmount);
-                <div>
+                const amountColor = isCreditCard
-                  <p className="text-lg font-semibold text-red-400">
+                  ? "text-red-400"
-                    {formatCurrency(s.total_amount_due, s.currency)}
+                  : amount >= 0
-                  </p>
+                  ? "text-green-400"
-                  <p className="text-xs text-zinc-500">
+                  : "text-red-400";
-                    {s.transaction_count} transactions
+
-                  </p>
+                return (
-                </div>
+                  <tr key={s.id} className="border-b border-zinc-800/50 hover:bg-zinc-800/20 transition-colors">
-                <Link
+                    <td className="px-3 py-3 text-xs text-zinc-600 tabular-nums">{idx + 1}</td>
-                  href={`/transactions?statement_id=${s.id}`}
+                    <td className="px-4 py-3">
-                  className="px-3 py-1.5 bg-zinc-800 hover:bg-zinc-700 rounded text-sm transition-colors"
+                      <div className="font-medium truncate max-w-[180px]" title={s.bank_name}>
-                >
+                        {s.bank_name}
-                  View
+                      </div>
-                </Link>
+                      {s.card_name && (
-              </div>
+                        <div className="text-xs text-zinc-500 truncate max-w-[180px]">{s.card_name}</div>
-            </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>

src/app/transactions/page.tsx

@@ -1,10 +1,14 @@
 "use client";
 
-import { useState, useCallback } from "react";
+import { useState, useCallback, Suspense } from "react";
-import { useTransactions, useBanks, useUpdateTransaction, useBulkAction, useTags } from "@/lib/hooks";
+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";
+import { AddTransactionModal } from "@/components/add-transaction-modal";
+import { EditTransactionModal } from "@/components/edit-transaction-modal";
+import type { TransactionRow } from "@/lib/queries";
 
 function formatDate(d: string) {
   return new Date(d).toLocaleDateString("en-AU", {
@@ -14,30 +18,135 @@ 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 +207,24 @@ 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 +234,19 @@ 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 [addModal, setAddModal] = useState<{ prefill?: Parameters<typeof AddTransactionModal>[0]["prefill"]; title?: string } | null>(null);
+  const [editModal, setEditModal] = useState<TransactionRow | 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();
 
@@ -159,7 +288,36 @@ export default function TransactionsPage() {
 
   return (
     <div>
-      <h2 className="text-xl font-semibold mb-4">Transactions</h2>
+      <div className="flex items-center justify-between mb-4">
+        <h2 className="text-xl font-semibold">Transactions</h2>
+        <button
+          onClick={() => setAddModal({})}
+          className="px-4 py-2 bg-indigo-600 hover:bg-indigo-500 text-white rounded-lg text-sm font-medium"
+        >
+          + Add Transaction
+        </button>
+      </div>
+
+      {/* 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">
@@ -338,12 +496,20 @@ export default function TransactionsPage() {
                     />
                   </td>
                   <td className="p-2 whitespace-nowrap">{formatDate(t.transaction_date)}</td>
-                  <td className="p-2 max-w-xs truncate" title={t.description}>{t.description}</td>
+                  <td className="p-2 max-w-xs">
+                    <p className="truncate" title={t.description}>{t.description}</p>
+                    {t.notes && (
+                      <p className="truncate text-xs text-zinc-500 italic mt-0.5" title={t.notes}>{t.notes}</p>
+                    )}
+                  </td>
                   <td className="p-2 max-w-[150px]">
                     <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 +517,24 @@ 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}
                       />
@@ -384,13 +558,54 @@ export default function TransactionsPage() {
                       <TagPicker transactionId={t.id} currentTags={t.tags ?? []} />
                     </div>
                   </td>
-                  <td className="p-2">
+                  <td className="p-2 whitespace-nowrap">
+                    <div className="flex items-center gap-1 flex-wrap">
+                      {t.splits?.filter((s) => s.name !== "Me").map((s) => (
+                        <span
+                          key={s.participant_id}
+                          className={`inline-flex items-center px-1.5 py-0.5 rounded text-xs font-medium ${
+                            s.settled ? "bg-zinc-800 text-zinc-500" : "bg-amber-900/40 text-amber-300"
+                          }`}
+                          title={`${s.name}: ${s.share_percent}%${s.settled ? " (settled)" : ""}`}
+                        >
+                          {s.name} {s.share_percent}%
+                        </span>
+                      ))}
+                      <button
+                        onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount, description: t.description, merchant: t.effective_merchant || undefined, transactionIds: undefined })}
+                        className={`text-xs px-2 py-0.5 rounded transition-colors ${
+                          t.splits?.some((s) => s.name !== "Me")
+                            ? "text-amber-400 hover:text-amber-200 hover:bg-zinc-800"
+                            : "text-zinc-500 hover:text-zinc-200 hover:bg-zinc-800"
+                        }`}
+                        title="Split this transaction"
+                      >
+                        Split
+                      </button>
+                    </div>
                     <button
-                      onClick={() => setSplitModal({ transactionId: t.id, amount: t.amount, description: t.description, transactionIds: undefined })}
+                      onClick={() => setEditModal(t)}
                       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"
+                      title="Edit this transaction"
                     >
-                      Split
+                      Edit
+                    </button>
+                    <button
+                      onClick={() => setAddModal({
+                        title: "Duplicate Transaction",
+                        prefill: {
+                          date: new Date().toISOString().slice(0, 10),
+                          description: t.description,
+                          amount: t.amount,
+                          transaction_type: t.transaction_type,
+                          merchant_normalized: t.effective_merchant || undefined,
+                          category: t.effective_category || undefined,
+                        },
+                      })}
+                      className="text-xs text-zinc-500 hover:text-zinc-200 px-2 py-0.5 rounded hover:bg-zinc-800 transition-colors"
+                      title="Duplicate this transaction"
+                    >
+                      Dupe
                     </button>
                   </td>
                 </tr>
@@ -407,10 +622,35 @@ 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()); }}
         />
       )}
 
+      {addModal && (
+        <AddTransactionModal
+          prefill={addModal.prefill}
+          title={addModal.title}
+          onClose={() => setAddModal(null)}
+        />
+      )}
+
+      {editModal && (
+        <EditTransactionModal
+          transaction={editModal}
+          onClose={() => setEditModal(null)}
+        />
+      )}
+
+      {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">

src/components/add-transaction-modal.tsx

@@ -0,0 +1,215 @@
+"use client";
+
+import { useState } from "react";
+import { useCreateTransaction, useParticipants } from "@/lib/hooks";
+import { CATEGORIES, formatCategory } from "@/lib/categories";
+
+const TRANSACTION_TYPES = ["debit", "credit", "payment", "refund", "fee", "interest", "transfer"];
+
+interface Prefill {
+  date?: string;
+  description?: string;
+  amount?: number;
+  transaction_type?: string;
+  merchant_normalized?: string;
+  category?: string;
+  splits?: { participant_id: number; share_percent: number }[];
+}
+
+export function AddTransactionModal({
+  prefill,
+  title,
+  onClose,
+}: {
+  prefill?: Prefill;
+  title?: string;
+  onClose: () => void;
+}) {
+  const createTransaction = useCreateTransaction();
+  const { data: participants = [] } = useParticipants();
+
+  const [date, setDate] = useState(prefill?.date ?? new Date().toISOString().slice(0, 10));
+  const [description, setDescription] = useState(prefill?.description ?? "");
+  const [amount, setAmount] = useState(prefill?.amount != null ? String(prefill.amount) : "");
+  const [type, setType] = useState(prefill?.transaction_type ?? "debit");
+  const [merchant, setMerchant] = useState(prefill?.merchant_normalized ?? "");
+  const [category, setCategory] = useState(prefill?.category ?? "");
+  const [splits, setSplits] = useState<{ participant_id: number; share_percent: number }[]>(
+    prefill?.splits ?? []
+  );
+
+  function addSplit() {
+    if (!participants.length) return;
+    setSplits([...splits, { participant_id: participants[0].id, share_percent: 50 }]);
+  }
+
+  function updateSplit(i: number, patch: Partial<{ participant_id: number; share_percent: number }>) {
+    setSplits(splits.map((s, idx) => (idx === i ? { ...s, ...patch } : s)));
+  }
+
+  function removeSplit(i: number) {
+    setSplits(splits.filter((_, idx) => idx !== i));
+  }
+
+  async function handleSubmit(e: React.FormEvent) {
+    e.preventDefault();
+    await createTransaction.mutateAsync({
+      date,
+      description,
+      amount: parseFloat(amount),
+      transaction_type: type,
+      merchant_normalized: merchant || undefined,
+      category: category || undefined,
+      splits: splits.length ? splits : undefined,
+    });
+    onClose();
+  }
+
+  const splitTotal = splits.reduce((s, e) => s + (e.share_percent || 0), 0);
+
+  return (
+    <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60" onClick={onClose}>
+      <div
+        className="bg-zinc-900 border border-zinc-700 rounded-xl p-6 w-full max-w-md shadow-2xl space-y-4"
+        onClick={(e) => e.stopPropagation()}
+      >
+        <h3 className="font-semibold text-sm text-zinc-300">{title ?? "Add Transaction"}</h3>
+
+        <form onSubmit={handleSubmit} className="space-y-3">
+          <div className="grid grid-cols-2 gap-3">
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Date</label>
+              <input
+                type="date"
+                required
+                value={date}
+                onChange={(e) => setDate(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+              />
+            </div>
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Amount</label>
+              <input
+                type="number"
+                step="0.01"
+                required
+                value={amount}
+                onChange={(e) => setAmount(e.target.value)}
+                placeholder="0.00"
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+              />
+            </div>
+          </div>
+
+          <div>
+            <label className="block text-xs text-zinc-500 mb-1">Description</label>
+            <input
+              required
+              value={description}
+              onChange={(e) => setDescription(e.target.value)}
+              placeholder="e.g. Coles Wyndham Vale"
+              className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+            />
+          </div>
+
+          <div className="grid grid-cols-2 gap-3">
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Type</label>
+              <select
+                value={type}
+                onChange={(e) => setType(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+              >
+                {TRANSACTION_TYPES.map((t) => (
+                  <option key={t} value={t}>{t}</option>
+                ))}
+              </select>
+            </div>
+            <div>
+              <label className="block text-xs text-zinc-500 mb-1">Category</label>
+              <select
+                value={category}
+                onChange={(e) => setCategory(e.target.value)}
+                className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+              >
+                <option value="">— none —</option>
+                {CATEGORIES.map((c) => (
+                  <option key={c} value={c}>{formatCategory(c)}</option>
+                ))}
+              </select>
+            </div>
+          </div>
+
+          <div>
+            <label className="block text-xs text-zinc-500 mb-1">Merchant (optional)</label>
+            <input
+              value={merchant}
+              onChange={(e) => setMerchant(e.target.value)}
+              placeholder="Normalized merchant name"
+              className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+            />
+          </div>
+
+          {/* Splits */}
+          <div>
+            <div className="flex items-center justify-between mb-1">
+              <label className="text-xs text-zinc-500">
+                Splits (optional)
+                {splits.length > 0 && (
+                  <span className={`ml-2 ${splitTotal === 100 ? "text-emerald-400" : "text-amber-400"}`}>
+                    {splitTotal}%
+                  </span>
+                )}
+              </label>
+              {participants.length > 0 && (
+                <button type="button" onClick={addSplit} className="text-xs text-indigo-400 hover:text-indigo-300">
+                  + Add
+                </button>
+              )}
+            </div>
+            {splits.map((s, i) => (
+              <div key={i} className="flex gap-2 mb-1.5 items-center">
+                <select
+                  value={s.participant_id}
+                  onChange={(e) => updateSplit(i, { participant_id: Number(e.target.value) })}
+                  className="flex-1 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                >
+                  {participants.map((p) => (
+                    <option key={p.id} value={p.id}>{p.name}</option>
+                  ))}
+                </select>
+                <input
+                  type="number"
+                  min={0}
+                  max={100}
+                  value={s.share_percent}
+                  onChange={(e) => updateSplit(i, { share_percent: Number(e.target.value) })}
+                  className="w-16 bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                />
+                <span className="text-xs text-zinc-500">%</span>
+                <button type="button" onClick={() => removeSplit(i)} className="text-zinc-500 hover:text-red-400 text-lg leading-none">×</button>
+              </div>
+            ))}
+          </div>
+
+          <div className="flex gap-2 pt-1">
+            <button
+              type="submit"
+              disabled={createTransaction.isPending}
+              className="flex-1 px-4 py-2 bg-indigo-600 hover:bg-indigo-500 text-white rounded-lg text-sm font-medium disabled:opacity-50"
+            >
+              {createTransaction.isPending ? "Saving..." : "Save Transaction"}
+            </button>
+            <button
+              type="button"
+              onClick={onClose}
+              className="px-4 py-2 bg-zinc-800 hover:bg-zinc-700 text-zinc-300 rounded-lg text-sm"
+            >
+              Cancel
+            </button>
+          </div>
+        </form>
+      </div>
+    </div>
+  );
+}

src/components/edit-transaction-modal.tsx

@@ -0,0 +1,332 @@
+"use client";
+
+import { useState } from "react";
+import {
+  useUpdateTransaction,
+  useTags,
+  useAddTransactionTag,
+  useRemoveTransactionTag,
+  useTransactionSplits,
+} from "@/lib/hooks";
+import { SplitModal } from "./split-modal";
+import { CATEGORIES, formatCategory } from "@/lib/categories";
+import type { TransactionRow, TagRow } from "@/lib/queries";
+
+const TRANSACTION_TYPES = ["debit", "credit", "payment", "refund", "fee", "interest", "transfer"];
+const SPEND_TYPES = new Set(["debit", "fee", "interest"]);
+
+function formatAmount(amount: number, type: string) {
+  const formatted = `$${Number(amount).toFixed(2)}`;
+  return SPEND_TYPES.has(type) ? formatted : `+${formatted}`;
+}
+
+function InlineTags({ transactionId, initialTags }: { transactionId: number; initialTags: TagRow[] }) {
+  const { data: allTags = [] } = useTags();
+  const addTag = useAddTransactionTag();
+  const removeTag = useRemoveTransactionTag();
+  const [tags, setTags] = useState<TagRow[]>(initialTags);
+  const [showPicker, setShowPicker] = useState(false);
+
+  const available = allTags.filter((t) => !tags.find((ct) => ct.id === t.id));
+
+  return (
+    <div>
+      <div className="flex flex-wrap gap-1 items-center">
+        {tags.map((tag) => (
+          <span
+            key={tag.id}
+            className="inline-flex items-center gap-1 px-2 py-0.5 rounded text-xs font-medium text-white"
+            style={{ backgroundColor: tag.color + "99" }}
+          >
+            {tag.name}
+            <button
+              type="button"
+              onClick={() => {
+                removeTag.mutate({ transactionId, tagId: tag.id });
+                setTags((prev) => prev.filter((t) => t.id !== tag.id));
+              }}
+              className="ml-0.5 text-white/60 hover:text-white leading-none"
+            >
+              ×
+            </button>
+          </span>
+        ))}
+        {available.length > 0 && (
+          <button
+            type="button"
+            onClick={() => setShowPicker((v) => !v)}
+            className="text-xs text-zinc-500 hover:text-zinc-300 px-1.5 py-0.5 rounded hover:bg-zinc-800"
+          >
+            + Add tag
+          </button>
+        )}
+      </div>
+      {showPicker && (
+        <div className="mt-1.5 flex flex-wrap gap-1">
+          {available.map((tag) => (
+            <button
+              key={tag.id}
+              type="button"
+              onClick={() => {
+                addTag.mutate({ transactionId, tagId: tag.id });
+                setTags((prev) => [...prev, tag]);
+                setShowPicker(false);
+              }}
+              className="px-2 py-0.5 rounded text-xs font-medium text-white hover:brightness-125"
+              style={{ backgroundColor: tag.color + "66" }}
+            >
+              {tag.name}
+            </button>
+          ))}
+        </div>
+      )}
+    </div>
+  );
+}
+
+export function EditTransactionModal({
+  transaction,
+  onClose,
+}: {
+  transaction: TransactionRow;
+  onClose: () => void;
+}) {
+  const isManual = !transaction.statement_id;
+  const updateTxn = useUpdateTransaction();
+
+  // Editable override fields
+  const [merchant, setMerchant] = useState(transaction.merchant_override ?? transaction.merchant_normalized ?? "");
+  const [category, setCategory] = useState(transaction.effective_category ?? "");
+  const [type, setType] = useState(transaction.transaction_type);
+  const [notes, setNotes] = useState(transaction.notes ?? "");
+
+  // Manual-only direct fields
+  const [date, setDate] = useState(transaction.transaction_date?.slice(0, 10) ?? "");
+  const [description, setDescription] = useState(transaction.description);
+  const [amount, setAmount] = useState(String(transaction.amount));
+
+  // Splits — live via hook so they refresh after SplitModal saves
+  const { data: liveSplits = [] } = useTransactionSplits(transaction.id);
+
+  const [showSplitModal, setShowSplitModal] = useState(false);
+  const [error, setError] = useState("");
+
+  async function handleSave() {
+    setError("");
+    try {
+      const patch: Parameters<typeof updateTxn.mutateAsync>[0] = { id: transaction.id };
+
+      // Override fields (always)
+      if (merchant !== (transaction.merchant_override ?? transaction.merchant_normalized ?? ""))
+        patch.merchant_normalized = merchant;
+      if (category !== (transaction.effective_category ?? ""))
+        patch.category = category;
+      if (type !== transaction.transaction_type)
+        patch.transaction_type = type;
+      if (notes !== (transaction.notes ?? ""))
+        patch.notes = notes;
+
+      // Direct fields (manual only)
+      if (isManual) {
+        if (date !== transaction.transaction_date?.slice(0, 10))
+          patch.transaction_date = date;
+        if (description !== transaction.description)
+          patch.description = description;
+        if (parseFloat(amount) !== transaction.amount)
+          patch.amount = parseFloat(amount);
+      }
+
+      await updateTxn.mutateAsync(patch);
+      onClose();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Failed to save");
+    }
+  }
+
+  return (
+    <>
+      <div className="fixed inset-0 z-40 flex items-center justify-center bg-black/60" onClick={onClose}>
+        <div
+          className="bg-zinc-900 border border-zinc-700 rounded-xl w-full max-w-lg mx-4 shadow-2xl flex flex-col max-h-[90vh]"
+          onClick={(e) => e.stopPropagation()}
+        >
+          {/* Header */}
+          <div className="px-6 pt-5 pb-4 border-b border-zinc-800">
+            <h3 className="font-semibold text-sm text-zinc-300">Edit Transaction</h3>
+            <p className="text-xs text-zinc-500 mt-0.5">{transaction.bank_name}</p>
+          </div>
+
+          <div className="overflow-y-auto flex-1 px-6 py-4 space-y-5">
+
+            {/* Core fields — read-only for statement, editable for manual */}
+            {isManual ? (
+              <div className="space-y-3">
+                <div className="grid grid-cols-2 gap-3">
+                  <div>
+                    <label className="block text-xs text-zinc-500 mb-1">Date</label>
+                    <input
+                      type="date"
+                      value={date}
+                      onChange={(e) => setDate(e.target.value)}
+                      className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                    />
+                  </div>
+                  <div>
+                    <label className="block text-xs text-zinc-500 mb-1">Amount</label>
+                    <input
+                      type="number"
+                      step="0.01"
+                      value={amount}
+                      onChange={(e) => setAmount(e.target.value)}
+                      className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                    />
+                  </div>
+                </div>
+                <div>
+                  <label className="block text-xs text-zinc-500 mb-1">Description</label>
+                  <input
+                    value={description}
+                    onChange={(e) => setDescription(e.target.value)}
+                    className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                  />
+                </div>
+              </div>
+            ) : (
+              <div className="bg-zinc-800/50 rounded-lg px-3 py-2.5 space-y-1">
+                <p className="text-sm font-medium">{transaction.description}</p>
+                <p className={`text-sm font-mono ${SPEND_TYPES.has(transaction.transaction_type) ? "text-red-400" : "text-green-400"}`}>
+                  {formatAmount(transaction.amount, transaction.transaction_type)}
+                </p>
+                <p className="text-xs text-zinc-500">
+                  {new Date(transaction.transaction_date).toLocaleDateString("en-AU", { day: "numeric", month: "short", year: "numeric" })}
+                </p>
+              </div>
+            )}
+
+            {/* Override fields */}
+            <div className="space-y-3">
+              <div className="grid grid-cols-2 gap-3">
+                <div>
+                  <label className="block text-xs text-zinc-500 mb-1">Type</label>
+                  <select
+                    value={type}
+                    onChange={(e) => setType(e.target.value)}
+                    className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                  >
+                    {TRANSACTION_TYPES.map((t) => (
+                      <option key={t} value={t}>{t}</option>
+                    ))}
+                  </select>
+                </div>
+                <div>
+                  <label className="block text-xs text-zinc-500 mb-1">Category</label>
+                  <select
+                    value={category}
+                    onChange={(e) => setCategory(e.target.value)}
+                    className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                  >
+                    <option value="">— none —</option>
+                    {CATEGORIES.map((c) => (
+                      <option key={c} value={c}>{formatCategory(c)}</option>
+                    ))}
+                  </select>
+                </div>
+              </div>
+
+              <div>
+                <label className="block text-xs text-zinc-500 mb-1">Merchant</label>
+                <input
+                  value={merchant}
+                  onChange={(e) => setMerchant(e.target.value)}
+                  placeholder="Normalized merchant name"
+                  className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm"
+                />
+              </div>
+
+              <div>
+                <label className="block text-xs text-zinc-500 mb-1">Notes</label>
+                <textarea
+                  value={notes}
+                  onChange={(e) => setNotes(e.target.value)}
+                  rows={3}
+                  placeholder="Additional context about this transaction…"
+                  className="w-full bg-zinc-800 border border-zinc-700 rounded px-2 py-1.5 text-sm resize-none"
+                />
+              </div>
+            </div>
+
+            {/* Tags */}
+            <div>
+              <p className="text-xs text-zinc-500 mb-1.5">Tags</p>
+              <InlineTags transactionId={transaction.id} initialTags={transaction.tags ?? []} />
+            </div>
+
+            {/* Splits */}
+            <div>
+              <div className="flex items-center justify-between mb-1.5">
+                <p className="text-xs text-zinc-500">Splits</p>
+                <button
+                  type="button"
+                  onClick={() => setShowSplitModal(true)}
+                  className="text-xs text-blue-400 hover:text-blue-300"
+                >
+                  {liveSplits.length > 0 ? "Edit splits" : "Add split"}
+                </button>
+              </div>
+              {liveSplits.length > 0 ? (
+                <div className="flex flex-wrap gap-1">
+                  {liveSplits.map((s: { participant_id: number; name: string; share_percent: number; settled: boolean }) => (
+                    <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>
+              ) : (
+                <p className="text-xs text-zinc-600 italic">No splits</p>
+              )}
+            </div>
+
+          </div>
+
+          {/* Footer */}
+          <div className="px-6 py-4 border-t border-zinc-800 flex gap-2">
+            {error && <p className="text-red-400 text-xs flex-1 self-center">{error}</p>}
+            <div className="flex gap-2 ml-auto">
+              <button
+                type="button"
+                onClick={onClose}
+                className="px-4 py-2 bg-zinc-800 hover:bg-zinc-700 text-zinc-300 rounded-lg text-sm"
+              >
+                Cancel
+              </button>
+              <button
+                type="button"
+                onClick={handleSave}
+                disabled={updateTxn.isPending}
+                className="px-4 py-2 bg-indigo-600 hover:bg-indigo-500 disabled:opacity-50 text-white rounded-lg text-sm font-medium"
+              >
+                {updateTxn.isPending ? "Saving…" : "Save"}
+              </button>
+            </div>
+          </div>
+        </div>
+      </div>
+
+      {showSplitModal && (
+        <SplitModal
+          transactionId={transaction.id}
+          amount={transaction.amount}
+          description={transaction.description}
+          merchant={transaction.effective_merchant || undefined}
+          onClose={() => setShowSplitModal(false)}
+        />
+      )}
+    </>
+  );
+}

src/components/sidebar.tsx

@@ -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() {

src/components/split-modal.tsx

@@ -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>
+  );
+}

src/lib/auth.ts

@@ -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;
+}

src/lib/categories.ts

@@ -1,3 +1,9 @@
+export const REGULAR_CATEGORIES = new Set([
+  "rent", "utilities", "insurance", "subscriptions",
+  "groceries", "dining", "transport", "fuel",
+  "health", "personal_care", "government", "charity", "pets",
+] as const);
+
 export const CATEGORIES = [
   "groceries",
   "dining",
@@ -14,12 +20,16 @@ export const CATEGORIES = [
   "government",
   "education",
   "rent",
+  "home_goods",
+  "home_maintenance",
   "transfers",
   "income",
+  "investment",
   "personal_care",
   "pets",
   "gifts",
   "charity",
+  "fees",
   "other",
 ] as const;
 

src/lib/hooks.ts

@@ -83,6 +83,35 @@ export function useBanks() {
   });
 }
 
+export function useCreateTransaction() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async (data: {
+      date: string;
+      description: string;
+      amount: number;
+      transaction_type?: string;
+      merchant_normalized?: string;
+      category?: string;
+      splits?: { participant_id: number; share_percent: number }[];
+    }) => {
+      const res = await fetch("/api/transactions", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify(data),
+      });
+      if (!res.ok) throw new Error((await res.json()).error || "Failed to create transaction");
+      return res.json();
+    },
+    onSuccess: () => {
+      qc.invalidateQueries({ queryKey: ["transactions"] });
+      qc.invalidateQueries({ queryKey: ["splits"] });
+      qc.invalidateQueries({ queryKey: ["shared-transactions"] });
+      qc.invalidateQueries({ queryKey: ["participant-balances"] });
+    },
+  });
+}
+
 export function useUpdateTransaction() {
   const qc = useQueryClient();
   return useMutation({
@@ -94,6 +123,11 @@ export function useUpdateTransaction() {
       category?: string;
       merchant_normalized?: string;
       notes?: string;
+      transaction_type?: string;
+      my_share_percent?: number | null;
+      description?: string;
+      amount?: number;
+      transaction_date?: string;
     }) => {
       const res = await fetch(`/api/transactions/${id}`, {
         method: "PATCH",
@@ -105,6 +139,7 @@ export function useUpdateTransaction() {
     onSuccess: () => {
       qc.invalidateQueries({ queryKey: ["transactions"] });
       qc.invalidateQueries({ queryKey: ["transaction"] });
+      qc.invalidateQueries({ queryKey: ["analytics"] });
     },
   });
 }
@@ -359,7 +394,7 @@ 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;
@@ -420,14 +455,229 @@ export function useDeleteRule() {
 export function useApplyRules() {
   const qc = useQueryClient();
   return useMutation({
-    mutationFn: async () => {
+    mutationFn: async (splitFrom?: string) => {
-      const res = await fetch("/api/rules/apply", { method: "POST" });
+      const res = await fetch("/api/rules/apply", {
+        method: "POST",
+        headers: { "Content-Type": "application/json" },
+        body: JSON.stringify({ splitFrom: splitFrom || null }),
+      });
       if (!res.ok) throw new Error("Failed to apply rules");
-      return res.json() as Promise<{ matched: number; transactions_affected: number }>;
+      return res.json() as Promise<{ id: number; matched: number; transactions_affected: number }>;
     },
     onSuccess: () => {
       qc.invalidateQueries({ queryKey: ["transactions"] });
       qc.invalidateQueries({ queryKey: ["rules"] });
+      qc.invalidateQueries({ queryKey: ["rule-runs"] });
     },
   });
 }
+
+export interface RuleRun {
+  id: number;
+  applied_at: string;
+  split_from: string | null;
+  matched: number;
+  transactions_affected: number;
+  reverted_at: string | null;
+}
+
+export function useRuleRuns() {
+  return useQuery({
+    queryKey: ["rule-runs"],
+    queryFn: async () => {
+      const res = await fetch("/api/rules/apply");
+      if (!res.ok) throw new Error("Failed to fetch rule runs");
+      return res.json() as Promise<RuleRun[]>;
+    },
+  });
+}
+
+export function useRevertRuleRun() {
+  const qc = useQueryClient();
+  return useMutation({
+    mutationFn: async (runId: number) => {
+      const res = await fetch(`/api/rules/apply/${runId}/revert`, { method: "POST" });
+      if (!res.ok) throw new Error("Failed to revert run");
+      return res.json() as Promise<{ reverted: number }>;
+    },
+    onSuccess: () => {
+      qc.invalidateQueries({ queryKey: ["transactions"] });
+      qc.invalidateQueries({ queryKey: ["rule-runs"] });
+    },
+  });
+}
+
+// --- 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,
+  });
+}

src/lib/queries.ts

@@ -8,10 +8,11 @@ export interface TagRow {
 
 export interface TransactionRow {
   id: number;
-  statement_id: number;
+  statement_id: number | null;
   transaction_date: string;
   description: string;
   amount: number;
+  amount_aud: number | null;
   transaction_type: string;
   merchant_name: string | null;
   merchant_normalized: string | null;
@@ -25,14 +26,17 @@ export interface TransactionRow {
   category_override: string | null;
   merchant_override: string | null;
   notes: string | null;
+  my_share_percent: number | null;
   effective_category: string;
   effective_merchant: string;
-  // statement context
+  // statement context (null for manual transactions)
   bank_name: string;
   owner_id: number;
   owner_name: string;
   // tags
   tags: TagRow[];
+  // splits
+  splits: { participant_id: number; name: string; share_percent: number; settled: boolean }[];
 }
 
 export interface StatementRow {
@@ -55,6 +59,7 @@ 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;
@@ -77,7 +82,7 @@ interface TransactionFilters {
 }
 
 export async function getTransactions(ownerId: number, filters: TransactionFilters) {
-  const conditions: string[] = [`s.owner_id = $1`];
+  const conditions: string[] = [`(COALESCE(t.owner_id, s.owner_id) = $1 OR EXISTS (SELECT 1 FROM transaction_splits ts_me WHERE ts_me.transaction_id = t.id AND ts_me.participant_id = $1))`];
   const params: unknown[] = [ownerId];
   let paramIdx = 2;
 
@@ -94,11 +99,15 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
     params.push(filters.category);
   }
   if (filters.bank_name) {
-    conditions.push(`s.bank_name = $${paramIdx++}`);
+    if (filters.bank_name === "Manual") {
-    params.push(filters.bank_name);
+      conditions.push(`t.statement_id IS NULL`);
+    } else {
+      conditions.push(`s.bank_name = $${paramIdx++}`);
+      params.push(filters.bank_name);
+    }
   }
   if (filters.search) {
-    conditions.push(`(t.description ILIKE $${paramIdx} OR t.merchant_name ILIKE $${paramIdx})`);
+    conditions.push(`(t.description ILIKE $${paramIdx} OR t.merchant_name ILIKE $${paramIdx} OR COALESCE(o.merchant_normalized, t.merchant_normalized) ILIKE $${paramIdx})`);
     params.push(`%${filters.search}%`);
     paramIdx++;
   }
@@ -122,7 +131,7 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
     SELECT COUNT(*)::int as total
     FROM transactions t
     LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
-    JOIN statements s ON s.id = t.statement_id
+    LEFT JOIN statements s ON s.id = t.statement_id
     ${where}
   `;
   const countResult = await queryRaw<{ total: number }>(countSql, params);
@@ -130,32 +139,41 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
 
   const dataSql = `
     SELECT t.*,
-      o.category_override, o.merchant_normalized as merchant_override, o.notes,
+      o.category_override, o.merchant_normalized as merchant_override, o.notes, o.my_share_percent,
       COALESCE(o.category_override, t.category) as effective_category,
       COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
-      s.bank_name, s.owner_id,
+      COALESCE(s.bank_name, 'Manual') as bank_name,
+      COALESCE(t.owner_id, s.owner_id) as owner_id,
       p.name as owner_name,
-      txn_tags.tags
+      txn_tags.tags,
+      txn_splits.splits
     FROM transactions t
     LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
-    JOIN statements s ON s.id = t.statement_id
+    LEFT JOIN statements s ON s.id = t.statement_id
-    LEFT JOIN participants p ON p.id = s.owner_id
+    LEFT JOIN participants p ON p.id = COALESCE(t.owner_id, s.owner_id)
     LEFT JOIN LATERAL (
       SELECT COALESCE(json_agg(json_build_object('id', tg.id, 'name', tg.name, 'color', tg.color) ORDER BY tg.name), '[]'::json) as tags
       FROM transaction_tags tt
       JOIN tags tg ON tg.id = tt.tag_id
       WHERE tt.transaction_id = t.id
     ) txn_tags ON true
+    LEFT JOIN LATERAL (
+      SELECT COALESCE(json_agg(json_build_object('participant_id', ts.participant_id, 'name', sp.name, 'share_percent', ts.share_percent, 'settled', ts.settled) ORDER BY sp.name), '[]'::json) as splits
+      FROM transaction_splits ts
+      JOIN participants sp ON sp.id = ts.participant_id
+      WHERE ts.transaction_id = t.id
+    ) txn_splits ON true
     ${where}
     ORDER BY ${sortCol} ${sortDir}, t.row_index ASC
     LIMIT $${paramIdx++} OFFSET $${paramIdx++}
   `;
   params.push(limit, offset);
 
-  const raw = await queryRaw<TransactionRow & { tags: string | TagRow[] }>(dataSql, params);
+  const raw = await queryRaw<TransactionRow & { tags: string | TagRow[]; splits: string | TransactionRow["splits"] }>(dataSql, params);
   const data = raw.map((r) => ({
     ...r,
     tags: typeof r.tags === "string" ? JSON.parse(r.tags) : (r.tags ?? []),
+    splits: typeof r.splits === "string" ? JSON.parse(r.splits) : (r.splits ?? []),
   })) as TransactionRow[];
 
   return { data, total, limit, offset };
@@ -164,15 +182,16 @@ export async function getTransactions(ownerId: number, filters: TransactionFilte
 export async function getTransactionById(id: number) {
   const sql = `
     SELECT t.*,
-      o.category_override, o.merchant_normalized as merchant_override, o.notes,
+      o.category_override, o.merchant_normalized as merchant_override, o.notes, o.my_share_percent,
       COALESCE(o.category_override, t.category) as effective_category,
       COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
-      s.bank_name, s.owner_id,
+      COALESCE(s.bank_name, 'Manual') as bank_name,
+      COALESCE(t.owner_id, s.owner_id) as owner_id,
       p.name as owner_name
     FROM transactions t
     LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
-    JOIN statements s ON s.id = t.statement_id
+    LEFT JOIN statements s ON s.id = t.statement_id
-    LEFT JOIN participants p ON p.id = s.owner_id
+    LEFT JOIN participants p ON p.id = COALESCE(t.owner_id, s.owner_id)
     WHERE t.id = $1
   `;
   const rows = await queryRaw<TransactionRow>(sql, [id]);
@@ -218,8 +237,13 @@ export async function getMerchantSuggestions(search: string) {
 }
 
 export async function getBankNames() {
-  const sql = `SELECT DISTINCT bank_name FROM statements ORDER BY bank_name`;
+  const [bankRows, manualCount] = await Promise.all([
-  return queryRaw<{ bank_name: string }>(sql);
+    queryRaw<{ bank_name: string }>(`SELECT DISTINCT bank_name FROM statements ORDER BY bank_name`),
+    queryRaw<{ count: number }>(`SELECT COUNT(*)::int as count FROM transactions WHERE statement_id IS NULL`),
+  ]);
+  const banks = bankRows.map((r) => r.bank_name);
+  if (manualCount[0]?.count > 0) banks.push("Manual");
+  return banks;
 }
 
 export interface ParticipantBalance {
@@ -232,13 +256,35 @@ export interface ParticipantBalance {
 export async function getParticipantBalances(ownerId: number) {
   return queryRaw<ParticipantBalance>(`
     SELECT p.id, p.name,
-      COALESCE(SUM(CASE WHEN ts.settled = false THEN t.amount * ts.share_percent / 100 ELSE 0 END), 0)::numeric(12,2) as total_owed,
+      COALESCE(SUM(combined.signed_amount), 0)::numeric(12,2) as total_owed,
-      COUNT(CASE WHEN ts.settled = false THEN 1 END)::int as unsettled_count
+      COALESCE(SUM(combined.unsettled_count), 0)::int as unsettled_count
     FROM participants p
-    LEFT JOIN transaction_splits ts ON ts.participant_id = p.id
+    LEFT JOIN (
-    LEFT JOIN transactions t ON t.id = ts.transaction_id
+      -- They owe me: their splits on transactions I own
-    LEFT JOIN statements s ON s.id = t.statement_id
+      SELECT ts.participant_id AS pid,
-    WHERE (s.owner_id = $1 OR s.id IS NULL)
+        CASE WHEN ts.settled = false
+          THEN (CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END) * ts.share_percent / 100
+          ELSE 0 END AS signed_amount,
+        CASE WHEN ts.settled = false AND t.transaction_type IN ('debit', 'fee', 'interest') THEN 1 ELSE 0 END AS unsettled_count
+      FROM transaction_splits ts
+      JOIN transactions t ON t.id = ts.transaction_id
+      LEFT JOIN statements s ON s.id = t.statement_id
+      WHERE COALESCE(t.owner_id, s.owner_id) = $1 AND ts.participant_id != $1
+
+      UNION ALL
+
+      -- I owe them: my splits on transactions they own
+      SELECT COALESCE(t.owner_id, s.owner_id) AS pid,
+        CASE WHEN ts.settled = false
+          THEN -(CASE WHEN t.transaction_type IN ('debit', 'fee', 'interest') THEN t.amount ELSE -t.amount END) * ts.share_percent / 100
+          ELSE 0 END AS signed_amount,
+        0 AS unsettled_count
+      FROM transaction_splits ts
+      JOIN transactions t ON t.id = ts.transaction_id
+      LEFT JOIN statements s ON s.id = t.statement_id
+      WHERE ts.participant_id = $1 AND COALESCE(t.owner_id, s.owner_id) != $1
+    ) combined ON combined.pid = p.id
+    WHERE p.id != $1
     GROUP BY p.id, p.name
     ORDER BY p.name
   `, [ownerId]);
@@ -265,7 +311,8 @@ export async function getSharedTransactions(ownerId: number) {
       o.category_override, o.merchant_normalized as merchant_override, o.notes,
       COALESCE(o.category_override, t.category) as effective_category,
       COALESCE(o.merchant_normalized, t.merchant_normalized, t.merchant_name) as effective_merchant,
-      s.bank_name, s.owner_id,
+      COALESCE(s.bank_name, 'Manual') as bank_name,
+      COALESCE(t.owner_id, s.owner_id) as owner_id,
       p_owner.name as owner_name,
       json_agg(json_build_object(
         'split_id', ts.id,
@@ -278,13 +325,16 @@ export async function getSharedTransactions(ownerId: number) {
     JOIN transaction_splits ts ON ts.transaction_id = t.id
     JOIN participants p ON p.id = ts.participant_id
     LEFT JOIN transaction_overrides o ON o.transaction_id = t.id
-    JOIN statements s ON s.id = t.statement_id
+    LEFT JOIN statements s ON s.id = t.statement_id
-    LEFT JOIN participants p_owner ON p_owner.id = s.owner_id
+    LEFT JOIN participants p_owner ON p_owner.id = COALESCE(t.owner_id, s.owner_id)
-    WHERE s.owner_id = $1
+    WHERE (
-      AND EXISTS (
+        -- I own this transaction and at least one other person has a split
-        SELECT 1 FROM transaction_splits ts2
+        COALESCE(t.owner_id, s.owner_id) = $1
-        JOIN participants p2 ON p2.id = ts2.participant_id
+        AND EXISTS (SELECT 1 FROM transaction_splits ts2 WHERE ts2.transaction_id = t.id AND ts2.participant_id != $1)
-        WHERE ts2.transaction_id = t.id AND p2.name != 'Me'
+      ) OR (
+        -- Someone else owns this transaction and I have a split on it
+        COALESCE(t.owner_id, s.owner_id) != $1
+        AND EXISTS (SELECT 1 FROM transaction_splits ts_me WHERE ts_me.transaction_id = t.id AND ts_me.participant_id = $1)
       )
     GROUP BY t.id, o.category_override, o.merchant_normalized, o.notes, s.bank_name, s.owner_id, p_owner.name
     ORDER BY t.transaction_date DESC