nice overview working

lib/main.dart

@@ -14,6 +14,7 @@ import 'screens/splash_screen.dart';
 import 'services/storage_service.dart';
 import 'utils/app_theme.dart';
 import 'utils/constants.dart';
+import 'widgets/skip_build_when_covered.dart';
 
 Future<void> main() async {
   WidgetsFlutterBinding.ensureInitialized();
@@ -101,6 +102,7 @@ class _MaterialRoot extends StatelessWidget {
       theme: AppTheme.light(),
       darkTheme: AppTheme.dark(),
       themeMode: themeMode,
+      navigatorObservers: [appRouteObserver],
       home: const SplashScreen(),
     );
   }

lib/models/transaction_meta.dart

@@ -11,6 +11,7 @@ class TxLabel {
     required this.color,
     this.icon = Icons.label_outline,
     this.custom = false,
+    this.parentId,
   });
 
   final String id;
@@ -19,25 +20,127 @@ class TxLabel {
   final IconData icon;
   final bool custom;
 
+  /// Optional parent label id for nesting (sub-labels).
+  final String? parentId;
+
+  bool get isRoot => parentId == null || parentId!.isEmpty;
+
+  TxLabel copyWith({
+    String? name,
+    Color? color,
+    IconData? icon,
+    String? parentId,
+    bool clearParent = false,
+  }) {
+    return TxLabel(
+      id: id,
+      name: name ?? this.name,
+      color: color ?? this.color,
+      icon: icon ?? this.icon,
+      custom: custom,
+      parentId: clearParent ? null : (parentId ?? this.parentId),
+    );
+  }
+
   Map<String, dynamic> toJson() => {
         'id': id,
         'name': name,
         // ignore: deprecated_member_use — wide compatibility across Flutter versions
         'color': color.value,
         'custom': custom,
+        if (parentId != null && parentId!.isNotEmpty) 'parentId': parentId,
       };
 
   factory TxLabel.fromJson(Map<String, dynamic> json) {
+    final parent = json['parentId'] as String?;
     return TxLabel(
       id: json['id'] as String? ?? 'custom',
       name: json['name'] as String? ?? 'Label',
       color: Color(json['color'] as int? ?? 0xFF64748B),
       custom: json['custom'] as bool? ?? true,
+      parentId: (parent != null && parent.isNotEmpty) ? parent : null,
     );
   }
 }
 
-/// Built-in presets (no "uncategorized" / "other").
+/// One row in a depth-first label tree walk.
+class LabelTreeEntry {
+  const LabelTreeEntry({required this.label, required this.depth});
+
+  final TxLabel label;
+  final int depth;
+}
+
+/// Max nesting depth (root = 0).
+const int kMaxLabelDepth = 3;
+
+/// Depth-first tree order using each label's [TxLabel.parentId].
+List<LabelTreeEntry> flattenLabelTree(
+  Iterable<TxLabel> labels, {
+  String? Function(String id)? parentOf,
+}) {
+  final byId = <String, TxLabel>{
+    for (final label in labels) label.id: label,
+  };
+  String? resolveParent(String id) {
+    if (parentOf != null) return parentOf(id);
+    return byId[id]?.parentId;
+  }
+
+  final children = <String?, List<TxLabel>>{};
+  for (final label in byId.values) {
+    final parent = resolveParent(label.id);
+    final key = (parent != null && byId.containsKey(parent)) ? parent : null;
+    (children[key] ??= []).add(label);
+  }
+  for (final list in children.values) {
+    list.sort((a, b) => a.name.toLowerCase().compareTo(b.name.toLowerCase()));
+  }
+
+  final out = <LabelTreeEntry>[];
+  void walk(String? parentId, int depth) {
+    final kids = children[parentId];
+    if (kids == null) return;
+    for (final label in kids) {
+      out.add(LabelTreeEntry(label: label, depth: depth));
+      if (depth < kMaxLabelDepth) {
+        walk(label.id, depth + 1);
+      }
+    }
+  }
+
+  walk(null, 0);
+  return out;
+}
+
+/// Visible indent depth among [visibleIds] only (skip missing ancestors).
+int labelVisibleDepth(
+  String labelId,
+  Set<String> visibleIds,
+  String? Function(String id) parentOf,
+) {
+  var depth = 0;
+  var parent = parentOf(labelId);
+  final seen = <String>{labelId};
+  while (parent != null && parent.isNotEmpty && seen.add(parent)) {
+    if (visibleIds.contains(parent)) depth++;
+    parent = parentOf(parent);
+  }
+  return depth;
+}
+
+/// Filter-only id for txs with no labels (not an assignable category).
+const String kUncategorizedFilterId = '__uncategorized__';
+
+/// Chip presentation for [kUncategorizedFilterId] refine filters.
+const TxLabel kUncategorizedFilterLabel = TxLabel(
+  id: kUncategorizedFilterId,
+  name: 'Uncategorized',
+  color: Color(0xFF64748B),
+  icon: Icons.label_off_outlined,
+);
+
+/// Built-in presets (no "uncategorized" / "other" as assignable labels).
 const List<TxLabel> kBuiltinLabels = [
   TxLabel(
     id: 'groceries',
@@ -205,7 +308,10 @@ class TxExactTemplate {
   }
 }
 
-/// Strip bank noise so "AH Campus … Transactie:123" matches other AH Campus txs.
+/// Strip bank noise so supermarket / POS lines group by merchant stem.
+///
+/// Example: `BCK*AH CAMPUS DIEMEN ZUID NLD Pasvolgnr:…` → `ah campus`
+/// Example: `Albert Heijn 1562 Utrecht` → `albert heijn`
 String merchantKeyFromDescription(String description) {
   var s = description
       .trim()
@@ -240,8 +346,58 @@ String merchantKeyFromDescription(String description) {
   }
 
   s = s
-      .replaceAll(RegExp(r'\s+nld\s*$'), '')
       .replaceAll(RegExp(r'^bck\*'), '')
+      .replaceAll(RegExp(r'\s+'), ' ')
       .trim();
-  return s;
+
+  // Drop trailing country / city noise and store / terminal numbers.
+  s = s.replaceAll(
+    RegExp(
+      r'\s+(nld|nl|nederland|netherlands|bel|belgium|deu|germany|de)\s*$',
+    ),
+    '',
+  );
+  // Remove digit runs (store ids, amounts embedded in text, etc.).
+  s = s.replaceAll(RegExp(r'\b\d+\b'), ' ');
+  s = s.replaceAll(RegExp(r'\s+'), ' ').trim();
+
+  // Keep a short stem so "ah campus diemen zuid" ≈ "ah campus".
+  final words = [
+    for (final w in s.split(' '))
+      if (w.length > 1) w,
+  ];
+  if (words.isEmpty) return s;
+  if (words.length <= 2) return words.join(' ');
+  // Prefer first two tokens for long POS strings; three when the 2nd is tiny
+  // ("de", "van") so "albert heijn" / "jumbo city" stay intact.
+  if (words[1].length <= 2 && words.length >= 3) {
+    return words.take(3).join(' ');
+  }
+  return words.take(2).join(' ');
 }
+
+/// Default “apply to similar” pattern — usually the merchant stem.
+String defaultSimilarPattern(String description) =>
+    merchantKeyFromDescription(description);
+
+/// Match [description] against a simple contains needle or `/regex/`.
+bool descriptionMatchesPattern(String description, String pattern) {
+  final raw = pattern.trim();
+  if (raw.isEmpty) return false;
+  final hay = description.toLowerCase();
+
+  if (raw.length >= 3 && raw.startsWith('/') && raw.endsWith('/')) {
+    final body = raw.substring(1, raw.length - 1);
+    if (body.isEmpty) return false;
+    try {
+      return RegExp(body, caseSensitive: false).hasMatch(description);
+    } catch (_) {
+      return hay.contains(raw.toLowerCase());
+    }
+  }
+
+  final needle = raw.toLowerCase();
+  if (needle.length < 2) return false;
+  return hay.contains(needle);
+}
+

lib/providers/bank_provider.dart

@@ -30,6 +30,7 @@ class BankController extends ChangeNotifier {
       _remoteTransactions = cached.transactions;
     }
     _importedTransactions = _storage?.loadImportedTransactions() ?? const [];
+    _invalidateMerged();
   }
 
   final IngtrakApi _api;
@@ -39,6 +40,7 @@ class BankController extends ChangeNotifier {
   BankBalance? _balance;
   List<BankTransaction> _remoteTransactions = const [];
   List<BankTransaction> _importedTransactions = const [];
+  List<BankTransaction>? _mergedTransactions;
 
   bool _isLoading = false;
   bool _isConnecting = false;
@@ -50,9 +52,17 @@ class BankController extends ChangeNotifier {
   BankBalance? get balance => _balance;
 
   /// Remote API txs merged with locally imported CSV txs (deduped).
+  ///
+  /// Cached — [mergeTransactions] is O(n·m) and was re-running on every
+  /// `bank.transactions` read during rebuilds.
   List<BankTransaction> get transactions =>
+      _mergedTransactions ??=
           mergeTransactions(_remoteTransactions, _importedTransactions);
 
+  void _invalidateMerged() {
+    _mergedTransactions = null;
+  }
+
   int get importedCount => _importedTransactions.length;
   bool get isLoading => _isLoading;
   bool get isConnecting => _isConnecting;
@@ -121,6 +131,7 @@ class BankController extends ChangeNotifier {
           _remoteTransactions,
           _importedTransactions,
         );
+        _invalidateMerged();
         await _persistImported();
       }
       return result;
@@ -139,6 +150,7 @@ class BankController extends ChangeNotifier {
 
   Future<void> clearImportedTransactions() async {
     _importedTransactions = const [];
+    _invalidateMerged();
     await _storage?.clearImportedTransactions();
     notifyListeners();
   }
@@ -210,6 +222,7 @@ class BankController extends ChangeNotifier {
         _remoteTransactions,
         _importedTransactions,
       );
+      _invalidateMerged();
       await _persistImported();
       _error = null;
     } on IngtrakApiException catch (error) {
@@ -218,6 +231,7 @@ class BankController extends ChangeNotifier {
         _status = ConnectStatus.disconnected;
         _balance = null;
         _remoteTransactions = const [];
+        _invalidateMerged();
         _error = error.message;
         await _persistCache();
       } else if (!hasData) {

lib/providers/tx_meta_provider.dart

@@ -1,6 +1,8 @@
 /// Local labels / notes / recurring annotations for bank transactions.
 library;
 
+import 'dart:async';
+
 import 'package:flutter/material.dart';
 
 import '../models/bank.dart';
@@ -18,6 +20,7 @@ class TxMetaController extends ChangeNotifier {
     _notesByMerchant = Map.of(loaded.notesByMerchant);
     _exactTemplates = Map.of(loaded.exactTemplates);
     _customLabels = List.of(loaded.customLabels);
+    _labelParents = Map.of(loaded.labelParents);
   }
 
   final StorageService _storage;
@@ -27,39 +30,246 @@ class TxMetaController extends ChangeNotifier {
   Map<String, String> _notesByMerchant = {};
   Map<String, TxExactTemplate> _exactTemplates = {};
   List<TxLabel> _customLabels = [];
+  Map<String, String> _labelParents = {};
 
   /// Built-in + custom labels available for picking.
   List<TxLabel> get allLabels => [...kBuiltinLabels, ..._customLabels];
 
+  Map<String, TxLabel>? _labelByIdCache;
+  Map<String, List<String>>? _labelIdsByTxCache;
+
+  Map<String, TxLabel> get _labelById {
+    return _labelByIdCache ??= {
+      for (final label in allLabels) label.id: label,
+    };
+  }
+
+  void _invalidateLabelCache() {
+    _labelByIdCache = null;
+    _labelIdsByTxCache = null;
+    _labeledTxCount = null;
+    _labeledCountListIdentity = null;
+  }
+
+  int? _labeledTxCount;
+  int? _labeledCountListIdentity;
+
+  /// Cached count of txs that resolve to at least one label.
+  int labeledTransactionCount(List<BankTransaction> txs) {
+    final identity = identityHashCode(txs);
+    if (_labeledTxCount != null && _labeledCountListIdentity == identity) {
+      return _labeledTxCount!;
+    }
+    var n = 0;
+    for (final tx in txs) {
+      if (labelIdsFor(tx).isNotEmpty) n++;
+    }
+    _labeledTxCount = n;
+    _labeledCountListIdentity = identity;
+    return n;
+  }
+
   List<TxLabel> get customLabels => List.unmodifiable(_customLabels);
 
+  /// Effective parent id (hierarchy map wins over embedded [TxLabel.parentId]).
+  String? parentIdOf(String labelId) {
+    final mapped = _labelParents[labelId];
+    if (mapped != null) {
+      return mapped.isEmpty ? null : mapped;
+    }
+    final embedded = _labelById[labelId]?.parentId;
+    if (embedded == null || embedded.isEmpty) return null;
+    return embedded;
+  }
+
+  /// Labels in tree order with depth.
+  List<LabelTreeEntry> labelsInTreeOrder([Iterable<TxLabel>? subset]) {
+    final source = subset?.toList() ?? allLabels;
+    return flattenLabelTree(source, parentOf: parentIdOf);
+  }
+
+  /// Tree order limited to [available], keeping relative indent.
+  List<LabelTreeEntry> treeOrderFor(Iterable<TxLabel> available) {
+    final availableList = available.toList();
+    final ids = availableList.map((l) => l.id).toSet();
+    final full = flattenLabelTree(allLabels, parentOf: parentIdOf);
+    return [
+      for (final entry in full)
+        if (ids.contains(entry.label.id))
+          LabelTreeEntry(
+            label: entry.label,
+            depth: labelVisibleDepth(entry.label.id, ids, parentIdOf),
+          ),
+    ];
+  }
+
+  int depthOf(String labelId) {
+    var depth = 0;
+    var parent = parentIdOf(labelId);
+    final seen = <String>{labelId};
+    while (parent != null && seen.add(parent)) {
+      depth++;
+      parent = parentIdOf(parent);
+      if (depth > kMaxLabelDepth) break;
+    }
+    return depth;
+  }
+
+  /// Parent chain of [labelId], nearest parent first.
+  List<String> ancestorIdsOf(String labelId) {
+    final out = <String>[];
+    var parent = parentIdOf(labelId);
+    final seen = <String>{labelId};
+    while (parent != null && parent.isNotEmpty && seen.add(parent)) {
+      out.add(parent);
+      parent = parentIdOf(parent);
+    }
+    return out;
+  }
+
+  /// All nested labels under [labelId].
+  List<String> descendantIdsOf(String labelId) {
+    final out = <String>[];
+    void walk(String id) {
+      for (final label in allLabels) {
+        if (parentIdOf(label.id) == id) {
+          out.add(label.id);
+          walk(label.id);
+        }
+      }
+    }
+
+    walk(labelId);
+    return out;
+  }
+
+  /// Ensures every selected sub-label also includes its parents.
+  List<String> expandWithAncestors(Iterable<String> ids) {
+    final out = <String>{};
+    for (final id in ids) {
+      if (id.isEmpty) continue;
+      out.add(id);
+      out.addAll(ancestorIdsOf(id));
+    }
+    return out.toList(growable: false);
+  }
+
+  bool canSetParent({required String labelId, String? parentId}) {
+    if (parentId == null || parentId.isEmpty) return true;
+    if (parentId == labelId) return false;
+    if (_labelById[parentId] == null) return false;
+    if (depthOf(parentId) >= kMaxLabelDepth) return false;
+    // Prevent cycles: parent cannot be a descendant of label.
+    var walk = parentIdOf(parentId);
+    final seen = <String>{parentId};
+    while (walk != null && seen.add(walk)) {
+      if (walk == labelId) return false;
+      walk = parentIdOf(walk);
+    }
+    return true;
+  }
+
+  /// Candidates that [labelId] can move under (excluding self/descendants).
+  List<TxLabel> validParentsFor(String labelId) {
+    final banned = <String>{labelId};
+    void collectDescendants(String id) {
+      for (final label in allLabels) {
+        if (parentIdOf(label.id) == id && banned.add(label.id)) {
+          collectDescendants(label.id);
+        }
+      }
+    }
+
+    collectDescendants(labelId);
+    return [
+      for (final label in allLabels)
+        if (!banned.contains(label.id) && depthOf(label.id) < kMaxLabelDepth)
+          label,
+    ]..sort((a, b) => a.name.toLowerCase().compareTo(b.name.toLowerCase()));
+  }
+
+  Future<void> setLabelParent(String labelId, String? parentId) async {
+    final nextParent =
+        (parentId == null || parentId.isEmpty) ? null : parentId;
+    if (!canSetParent(labelId: labelId, parentId: nextParent)) {
+      return;
+    }
+
+    final nextParents = Map<String, String>.of(_labelParents);
+    if (nextParent == null) {
+      nextParents.remove(labelId);
+    } else {
+      nextParents[labelId] = nextParent;
+    }
+    _labelParents = nextParents;
+
+    final customIndex = _customLabels.indexWhere((l) => l.id == labelId);
+    if (customIndex >= 0) {
+      final current = _customLabels[customIndex];
+      final updated = nextParent == null
+          ? current.copyWith(clearParent: true)
+          : current.copyWith(parentId: nextParent);
+      _customLabels = [
+        for (var i = 0; i < _customLabels.length; i++)
+          if (i == customIndex) updated else _customLabels[i],
+      ];
+    }
+    _schedulePersist();
+  }
+
   TxLabel? labelById(String? id) {
     if (id == null || id.isEmpty) return null;
-    for (final label in allLabels) {
+    return _labelById[id];
-      if (label.id == id) return label;
-    }
-    return null;
   }
 
   List<TxLabel> labelsFor(TxMeta meta) {
+    final index = _labelById;
     return [
       for (final id in meta.labelIds)
-        if (labelById(id) != null) labelById(id)!,
+        if (index[id] != null) index[id]!,
     ];
   }
 
+  /// Labels to show on tiles: omit parents when a child is also selected.
+  List<TxLabel> leafLabelsFor(TxMeta meta) {
+    final ids = meta.labelIds.toSet();
+    final index = _labelById;
+    return [
+      for (final id in ids)
+        if (index[id] != null &&
+            !ids.any(
+              (other) =>
+                  other != id && ancestorIdsOf(other).contains(id),
+            ))
+          index[id]!,
+    ];
+  }
+
+  /// Label ids only — cheaper than [metaFor] for chart aggregation.
+  /// Always includes ancestor labels of any selected sub-label.
+  List<String> labelIdsFor(BankTransaction tx) {
+    final cache = _labelIdsByTxCache ??= {};
+    final cached = cache[tx.id];
+    if (cached != null) return cached;
+
+    final stored = _byId[tx.id];
+    final raw = stored != null && stored.hasLabel
+        ? stored.labelIds
+        : (_resolveMerchantLabels(tx) ?? const <String>[]);
+    final ids = expandWithAncestors(raw);
+    final frozen = ids.isEmpty
+        ? const <String>[]
+        : List<String>.unmodifiable(ids);
+    cache[tx.id] = frozen;
+    return frozen;
+  }
+
   /// Resolved meta: per-id overrides + inherited merchant rules.
   TxMeta metaFor(BankTransaction tx) {
     final stored = _byId[tx.id];
     final template = _exactTemplates[tx.exactKey];
-    final inheritedLabels = _labelsByMerchant[tx.merchantKey] ??
+    final labelIds = labelIdsFor(tx);
-        _labelsByMerchant[tx.descriptionKey];
+    final inheritedNotes = _resolveMerchantNotes(tx);
-    final inheritedNotes = _notesByMerchant[tx.merchantKey] ??
-        _notesByMerchant[tx.descriptionKey];
-
-    final labelIds = stored != null && stored.hasLabel
-        ? stored.labelIds
-        : (inheritedLabels ?? const <String>[]);
 
     final notes = stored != null && stored.hasNotes
         ? stored.notes
@@ -76,93 +286,165 @@ class TxMetaController extends ChangeNotifier {
     );
   }
 
+  /// Exact merchant key first, then longest rule key contained in description.
+  List<String>? _resolveMerchantLabels(BankTransaction tx) {
+    final direct = _labelsByMerchant[tx.merchantKey] ??
+        _labelsByMerchant[tx.descriptionKey];
+    if (direct != null) return direct;
+    return _bestMatchingRule(_labelsByMerchant, tx.description);
+  }
+
+  String? _resolveMerchantNotes(BankTransaction tx) {
+    final direct =
+        _notesByMerchant[tx.merchantKey] ?? _notesByMerchant[tx.descriptionKey];
+    if (direct != null) return direct;
+    return _bestMatchingRule(_notesByMerchant, tx.description);
+  }
+
+  V? _bestMatchingRule<V>(Map<String, V> rules, String description) {
+    if (rules.isEmpty) return null;
+    final hay = description.toLowerCase();
+    String? bestKey;
+    V? bestValue;
+    for (final entry in rules.entries) {
+      final key = entry.key;
+      if (key.length < 2) continue;
+      if (!hay.contains(key)) continue;
+      if (bestKey == null || key.length > bestKey.length) {
+        bestKey = key;
+        bestValue = entry.value;
+      }
+    }
+    return bestValue;
+  }
+
   int countSimilar(
     BankTransaction prototype,
-    List<BankTransaction> all,
+    List<BankTransaction> all, {
-  ) {
+    String? pattern,
-    final key = prototype.merchantKey;
+  }) {
-    if (key.isEmpty) return 1;
+    final needle = (pattern ?? prototype.merchantKey).trim();
-    return all.where((tx) => tx.merchantKey == key).length;
+    if (needle.isEmpty) return 1;
+    var count = 0;
+    for (final tx in all) {
+      if (descriptionMatchesPattern(tx.description, needle)) count++;
+    }
+    return count == 0 ? 1 : count;
   }
 
   List<BankTransaction> similarTo(
     BankTransaction prototype,
-    List<BankTransaction> all,
+    List<BankTransaction> all, {
-  ) {
+    String? pattern,
-    final key = prototype.merchantKey;
+  }) {
-    if (key.isEmpty) return [prototype];
+    final needle = (pattern ?? prototype.merchantKey).trim();
-    return [
+    if (needle.isEmpty) return [prototype];
+    final matches = [
       for (final tx in all)
-        if (tx.merchantKey == key) tx,
+        if (descriptionMatchesPattern(tx.description, needle)) tx,
     ];
+    return matches.isEmpty ? [prototype] : matches;
   }
 
   Future<void> setLabels(
     BankTransaction tx,
     List<String> labelIds, {
     List<BankTransaction> applyToSimilar = const [],
+    String? matchPattern,
   }) async {
-    final cleaned = <String>[
+    final expanded = expandWithAncestors([
       for (final id in labelIds)
         if (id.isNotEmpty) id,
-    ];
+    ]);
     // Deduplicate while preserving order.
     final unique = <String>[];
-    for (final id in cleaned) {
+    for (final id in expanded) {
       if (!unique.contains(id)) unique.add(id);
     }
 
-    final scope = applyToSimilar.isEmpty ? [tx] : applyToSimilar;
+    final pattern = (matchPattern ?? tx.merchantKey).trim().toLowerCase();
+    final applying = applyToSimilar.isNotEmpty;
+
     final nextById = Map<String, TxMeta>.of(_byId);
-    for (final other in scope) {
+    void writeTx(BankTransaction other) {
-      if (applyToSimilar.isNotEmpty &&
+      final stored = nextById[other.id];
-          other.merchantKey != tx.merchantKey) {
+      final current = stored ?? metaFor(other);
-        continue;
-      }
-      final current = metaFor(other);
       nextById[other.id] = unique.isEmpty
           ? current.copyWith(clearLabels: true)
           : current.copyWith(labelIds: unique);
     }
-    _byId = nextById;
+
+    writeTx(tx);
+    if (applying) {
+      // Only patch txs that already have per-id overrides; others inherit
+      // from the merchant rule so we avoid bloating SharedPreferences.
+      for (final other in applyToSimilar) {
+        if (other.id == tx.id) continue;
+        if (!nextById.containsKey(other.id)) continue;
+        writeTx(other);
+      }
 
       final nextRules = Map<String, List<String>>.of(_labelsByMerchant);
       if (unique.isEmpty) {
+        if (pattern.isNotEmpty) nextRules.remove(pattern);
         nextRules.remove(tx.merchantKey);
         nextRules.remove(tx.descriptionKey);
-    } else {
+      } else if (pattern.isNotEmpty) {
-      nextRules[tx.merchantKey] = unique;
+        nextRules[pattern] = unique;
       }
       _labelsByMerchant = nextRules;
-    await _persist();
+    }
+    _byId = nextById;
+    _schedulePersist();
   }
 
   Future<void> toggleLabel(
     BankTransaction tx,
     String labelId, {
     List<BankTransaction> applyToSimilar = const [],
+    String? matchPattern,
   }) async {
     final current = List<String>.of(metaFor(tx).labelIds);
     if (current.contains(labelId)) {
-      current.remove(labelId);
+      final remove = {labelId, ...descendantIdsOf(labelId)};
+      current.removeWhere(remove.contains);
     } else {
       current.add(labelId);
     }
-    await setLabels(tx, current, applyToSimilar: applyToSimilar);
+    await setLabels(
+      tx,
+      current,
+      applyToSimilar: applyToSimilar,
+      matchPattern: matchPattern,
+    );
   }
 
   Future<void> clearLabels(
     BankTransaction tx, {
     List<BankTransaction> applyToSimilar = const [],
+    String? matchPattern,
   }) {
-    return setLabels(tx, const [], applyToSimilar: applyToSimilar);
+    return setLabels(
+      tx,
+      const [],
+      applyToSimilar: applyToSimilar,
+      matchPattern: matchPattern,
+    );
   }
 
-  Future<TxLabel> createLabel(String name) async {
+  Future<TxLabel> createLabel(String name, {String? parentId}) async {
     final trimmed = name.trim();
     if (trimmed.isEmpty) {
       throw ArgumentError('Label name required');
     }
+    final parent =
+        (parentId == null || parentId.isEmpty) ? null : parentId;
+    if (parent != null && _labelById[parent] == null) {
+      throw ArgumentError('Unknown parent label');
+    }
+    if (parent != null && depthOf(parent) >= kMaxLabelDepth) {
+      throw ArgumentError('Parent is already at max depth');
+    }
     final color =
         kCustomLabelColors[_customLabels.length % kCustomLabelColors.length];
     final label = TxLabel(
@@ -171,15 +453,44 @@ class TxMetaController extends ChangeNotifier {
       color: color,
       icon: Icons.label_outline,
       custom: true,
+      parentId: parent,
     );
     _customLabels = [..._customLabels, label];
-    await _persist();
+    if (parent != null) {
+      _labelParents = {..._labelParents, label.id: parent};
+    }
+    _schedulePersist();
     return label;
   }
 
   Future<void> removeLabel(String labelId) async {
+    final oldParent = parentIdOf(labelId);
     _customLabels =
         _customLabels.where((label) => label.id != labelId).toList();
+
+    // Re-parent children to the removed label's parent (or root).
+    final nextParents = <String, String>{};
+    for (final entry in _labelParents.entries) {
+      if (entry.key == labelId) continue;
+      if (entry.value == labelId) {
+        if (oldParent != null) {
+          nextParents[entry.key] = oldParent;
+        }
+      } else {
+        nextParents[entry.key] = entry.value;
+      }
+    }
+    _labelParents = nextParents;
+    _customLabels = [
+      for (final label in _customLabels)
+        if (label.parentId == labelId)
+          oldParent == null
+              ? label.copyWith(clearParent: true)
+              : label.copyWith(parentId: oldParent)
+        else
+          label,
+    ];
+
     final nextById = <String, TxMeta>{};
     for (final entry in _byId.entries) {
       if (entry.value.labelIds.contains(labelId)) {
@@ -200,7 +511,7 @@ class TxMetaController extends ChangeNotifier {
               if (id != labelId) id,
           ],
     };
-    await _persist();
+    _schedulePersist();
   }
 
   Future<void> setRecurring(BankTransaction tx, bool recurring) async {
@@ -217,28 +528,36 @@ class TxMetaController extends ChangeNotifier {
         recurring: recurring,
       ),
     };
-    await _persist();
+    _schedulePersist();
   }
 
   Future<void> setNotes(
     BankTransaction tx,
     String notes, {
     List<BankTransaction> applyToSimilar = const [],
+    String? matchPattern,
   }) async {
     final trimmed = notes.trim();
-    final scope = applyToSimilar.isEmpty ? [tx] : applyToSimilar;
+    final pattern = (matchPattern ?? tx.merchantKey).trim().toLowerCase();
+    final applying = applyToSimilar.isNotEmpty;
+
     final nextById = Map<String, TxMeta>.of(_byId);
-    for (final other in scope) {
+    void writeTx(BankTransaction other) {
-      if (applyToSimilar.isNotEmpty &&
-          other.merchantKey != tx.merchantKey) {
-        continue;
-      }
       final current = metaFor(other);
       nextById[other.id] = current.copyWith(notes: trimmed);
     }
+
+    writeTx(tx);
+    if (applying) {
+      for (final other in applyToSimilar) {
+        if (other.id == tx.id) continue;
+        if (!nextById.containsKey(other.id)) continue;
+        writeTx(other);
+      }
+    }
     _byId = nextById;
 
-    if (applyToSimilar.isEmpty) {
+    if (!applying) {
       final current = metaFor(tx);
       final existing = _exactTemplates[tx.exactKey] ?? const TxExactTemplate();
       if (trimmed.isEmpty && !existing.recurring && !current.recurring) {
@@ -255,21 +574,23 @@ class TxMetaController extends ChangeNotifier {
       if (trimmed.isEmpty) {
         _notesByMerchant = Map.of(_notesByMerchant)
           ..remove(tx.merchantKey)
-          ..remove(tx.descriptionKey);
+          ..remove(tx.descriptionKey)
+          ..remove(pattern);
       }
     } else {
       if (trimmed.isEmpty) {
         _notesByMerchant = Map.of(_notesByMerchant)
           ..remove(tx.merchantKey)
-          ..remove(tx.descriptionKey);
+          ..remove(tx.descriptionKey)
-      } else {
+          ..remove(pattern);
+      } else if (pattern.isNotEmpty) {
         _notesByMerchant = {
           ..._notesByMerchant,
-          tx.merchantKey: trimmed,
+          pattern: trimmed,
         };
       }
     }
-    await _persist();
+    _schedulePersist();
   }
 
   Future<void> toggleRecurring(BankTransaction tx) {
@@ -287,19 +608,47 @@ class TxMetaController extends ChangeNotifier {
     final hasLabels = labelIds.isNotEmpty;
     if (!hasText && !hasLabels) return txs;
 
-    return txs.where((tx) {
+    final labelIndex = _labelById;
+    return [
+      for (final tx in txs)
+        if (_matchesSearch(tx, needle, hasText, labelIds, hasLabels, labelIndex))
+          tx,
+    ];
+  }
+
+  bool _matchesSearch(
+    BankTransaction tx,
+    String needle,
+    bool hasText,
+    Set<String> labelIds,
+    bool hasLabels,
+    Map<String, TxLabel> labelIndex,
+  ) {
     final meta = metaFor(tx);
-      if (hasLabels && !meta.labelIds.any(labelIds.contains)) {
+    if (hasLabels && !_matchesLabelFilter(meta, labelIds)) {
       return false;
     }
     if (!hasText) return true;
-      final labelNames = labelsFor(meta).map((l) => l.name.toLowerCase());
+    if (tx.description.toLowerCase().contains(needle)) return true;
-      return tx.description.toLowerCase().contains(needle) ||
+    if (meta.notes.toLowerCase().contains(needle)) return true;
-          meta.notes.toLowerCase().contains(needle) ||
+    if (tx.date.toLowerCase().contains(needle)) return true;
-          labelNames.any((name) => name.contains(needle)) ||
+    if (tx.amount.toString().contains(needle)) return true;
-          tx.date.toLowerCase().contains(needle) ||
+    for (final id in meta.labelIds) {
-          tx.amount.toString().contains(needle);
+      final name = labelIndex[id]?.name;
-    }).toList(growable: false);
+      if (name != null && name.toLowerCase().contains(needle)) return true;
+    }
+    return false;
+  }
+
+  /// OR filter: any selected label, and/or unlabeled when uncategorized is selected.
+  bool _matchesLabelFilter(TxMeta meta, Set<String> labelIds) {
+    final wantUncategorized = labelIds.contains(kUncategorizedFilterId);
+    if (wantUncategorized && !meta.hasLabel) return true;
+    for (final id in labelIds) {
+      if (id == kUncategorizedFilterId) continue;
+      if (meta.labelIds.contains(id)) return true;
+    }
+    return false;
   }
 
   /// Labels currently used by [transactions].
@@ -316,17 +665,41 @@ class TxMetaController extends ChangeNotifier {
     return list;
   }
 
-  Future<void> _persist() async {
+  /// UI-first: notify on the next frame so callers can paint a busy state first,
+  /// then write SharedPreferences in the background.
+  void _schedulePersist() {
+    _invalidateLabelCache();
+    final binding = WidgetsBinding.instance;
+    binding.addPostFrameCallback((_) {
       notifyListeners();
-    await _storage.saveTxMetaStore(
+    });
-      TxMetaStoreData(
+    // Ensure a frame is scheduled even if nothing else is dirty yet.
+    binding.scheduleFrame();
+    unawaited(_writeStore());
+  }
+
+  Future<void> _writeStore() async {
+    // Let the busy indicator / label checkbox paint before JSON work.
+    await Future<void>.delayed(Duration.zero);
+    final snapshot = TxMetaStoreData(
       byId: _byId,
       labelsByMerchant: _labelsByMerchant,
       notesByMerchant: _notesByMerchant,
       exactTemplates: _exactTemplates,
-        customLabels: _customLabels,
+      customLabels: [
+        for (final label in _customLabels)
+          label.copyWith(
+            parentId: parentIdOf(label.id),
+            clearParent: parentIdOf(label.id) == null,
           ),
+      ],
+      labelParents: _labelParents,
     );
+    try {
+      await _storage.saveTxMetaStore(snapshot);
+    } catch (error, stackTrace) {
+      debugPrint('TxMetaController persist failed: $error\n$stackTrace');
+    }
   }
 
   /// Absolute spend (outflows) per label. Multi-label txs count fully in each.

lib/screens/home_screen.dart

@@ -12,6 +12,7 @@ import '../utils/navigation.dart';
 import '../widgets/empty_state.dart';
 import '../widgets/loading_view.dart';
 import '../widgets/responsive_body.dart';
+import '../widgets/skip_build_when_covered.dart';
 import 'transaction_detail_screen.dart';
 import 'transactions_screen.dart';
 
@@ -54,6 +55,10 @@ class _HomeBody extends StatelessWidget {
 
   @override
   Widget build(BuildContext context) {
+    // Stay subscribed, but skip heavy scans while covered by another route
+    // (e.g. transaction detail applying labels to many similar txs).
+    context.watch<TxMetaController>();
+
     if (bank.isLoading && bank.balance == null && !bank.hasData) {
       return const LoadingView(message: 'Checking bank link…');
     }
@@ -89,14 +94,15 @@ class _HomeBody extends StatelessWidget {
       );
     }
 
+    return SkipBuildWhenCovered(
+      builder: (context) {
           final balance = bank.balance;
           final theme = Theme.of(context);
           final colors = theme.colorScheme;
           final meta = context.watch<TxMetaController>();
           final recent = bank.transactions.take(5).toList(growable: false);
-    final categorized = bank.transactions
+          final categorized =
-        .where((tx) => meta.metaFor(tx).hasLabel)
+              meta.labeledTransactionCount(bank.transactions);
-        .length;
 
           return ListView(
       physics: const AlwaysScrollableScrollPhysics(),
@@ -209,7 +215,7 @@ class _HomeBody extends StatelessWidget {
                 leading: Builder(
                   builder: (context) {
                     final labels =
-                        meta.labelsFor(meta.metaFor(tx));
+                        meta.leafLabelsFor(meta.metaFor(tx));
                     final label = labels.isEmpty ? null : labels.first;
                     return Icon(
                       label?.icon ?? Icons.receipt_long_outlined,
@@ -247,6 +253,8 @@ class _HomeBody extends StatelessWidget {
         ],
       ],
     );
+      },
+    );
   }
 }
 

lib/screens/label_transactions_screen.dart

@@ -9,6 +9,7 @@ import '../providers/bank_provider.dart';
 import '../providers/tx_meta_provider.dart';
 import '../utils/helpers.dart';
 import '../widgets/responsive_body.dart';
+import '../widgets/skip_build_when_covered.dart';
 import 'transaction_detail_screen.dart';
 
 class LabelTransactionsScreen extends StatelessWidget {
@@ -20,9 +21,16 @@ class LabelTransactionsScreen extends StatelessWidget {
   Widget build(BuildContext context) {
     final bank = context.watch<BankController>();
     final meta = context.watch<TxMetaController>();
+    return Scaffold(
+      appBar: AppBar(
+        title: Text(label.name),
+      ),
+      body: ResponsiveBody(
+        child: SkipBuildWhenCovered(
+          builder: (context) {
               final txs = [
                 for (final tx in bank.transactions)
-        if (meta.metaFor(tx).labelIds.contains(label.id)) tx,
+                  if (meta.labelIdsFor(tx).contains(label.id)) tx,
               ];
               final theme = Theme.of(context);
               final colors = theme.colorScheme;
@@ -33,19 +41,15 @@ class LabelTransactionsScreen extends StatelessWidget {
                 if (tx.amount < 0) totalOut += tx.amount.abs();
               }
 
-    return Scaffold(
+              return ListView(
-      appBar: AppBar(
-        title: Text(label.name),
-      ),
-      body: ResponsiveBody(
-        child: ListView(
                 padding: const EdgeInsets.only(top: 8, bottom: 32),
                 children: [
                   ListTile(
                     contentPadding: EdgeInsets.zero,
                     leading: Icon(label.icon, color: label.color),
                     title: Text('${txs.length} transactions'),
-              subtitle: Text('Money out ${formatMoney(totalOut, currency)}'),
+                    subtitle:
+                        Text('Money out ${formatMoney(totalOut, currency)}'),
                   ),
                   const Divider(),
                   if (txs.isEmpty)
@@ -70,18 +74,23 @@ class LabelTransactionsScreen extends StatelessWidget {
                         trailing: Text(
                           formatMoney(tx.amount, tx.currency),
                           style: theme.textTheme.titleSmall?.copyWith(
-                      color: tx.amount >= 0 ? colors.primary : colors.error,
+                            color: tx.amount >= 0
+                                ? colors.primary
+                                : colors.error,
                           ),
                         ),
                         onTap: () {
                           Navigator.of(context).push(
                             MaterialPageRoute<void>(
-                        builder: (_) => TransactionDetailScreen(tx: tx),
+                              builder: (_) =>
+                                  TransactionDetailScreen(tx: tx),
                             ),
                           );
                         },
                       ),
                 ],
+              );
+            },
           ),
       ),
     );

lib/screens/labels_screen.dart

@@ -0,0 +1,201 @@
+/// Manage labels: create, nest, and delete.
+library;
+
+import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
+
+import '../models/transaction_meta.dart';
+import '../providers/tx_meta_provider.dart';
+import '../widgets/label_parent_picker.dart';
+import '../widgets/responsive_body.dart';
+
+class LabelsScreen extends StatelessWidget {
+  const LabelsScreen({super.key});
+
+  Future<void> _create(
+    BuildContext context, {
+    String? parentId,
+  }) async {
+    final meta = context.read<TxMetaController>();
+    final result = await showCreateLabelDialog(
+      context,
+      parents: meta.allLabels,
+      initialParentId: parentId,
+    );
+    if (result == null || !context.mounted) return;
+    await meta.createLabel(result.name, parentId: result.parentId);
+    if (!context.mounted) return;
+    ScaffoldMessenger.of(context).showSnackBar(
+      SnackBar(content: Text('Created “${result.name}”')),
+    );
+  }
+
+  Future<void> _delete(BuildContext context, TxLabel label) async {
+    final ok = await showDialog<bool>(
+      context: context,
+      builder: (dialogContext) {
+        return AlertDialog(
+          title: Text('Remove “${label.name}”?'),
+          content: const Text(
+            'This deletes the label. Transactions keep any other labels. '
+            'Sub-labels move up one level.',
+          ),
+          actions: [
+            TextButton(
+              onPressed: () => Navigator.pop(dialogContext, false),
+              child: const Text('Cancel'),
+            ),
+            FilledButton(
+              onPressed: () => Navigator.pop(dialogContext, true),
+              child: const Text('Remove'),
+            ),
+          ],
+        );
+      },
+    );
+    if (ok != true || !context.mounted) return;
+    await context.read<TxMetaController>().removeLabel(label.id);
+    if (!context.mounted) return;
+    ScaffoldMessenger.of(context).showSnackBar(
+      SnackBar(content: Text('Removed “${label.name}”')),
+    );
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final meta = context.watch<TxMetaController>();
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    final entries = meta.labelsInTreeOrder();
+
+    return Scaffold(
+      appBar: AppBar(
+        title: const Text('Labels'),
+        actions: [
+          IconButton(
+            tooltip: 'New label',
+            onPressed: () => _create(context),
+            icon: const Icon(Icons.add),
+          ),
+        ],
+      ),
+      floatingActionButton: FloatingActionButton.extended(
+        onPressed: () => _create(context),
+        icon: const Icon(Icons.add),
+        label: const Text('New label'),
+      ),
+      body: ResponsiveBody(
+        child: entries.isEmpty
+            ? ListView(
+                children: [
+                  const SizedBox(height: 48),
+                  Icon(
+                    Icons.label_outline,
+                    size: 48,
+                    color: colors.outline,
+                  ),
+                  const SizedBox(height: 12),
+                  Text(
+                    'No labels yet',
+                    textAlign: TextAlign.center,
+                    style: theme.textTheme.titleMedium,
+                  ),
+                  const SizedBox(height: 8),
+                  Text(
+                    'Create labels to categorize spending.',
+                    textAlign: TextAlign.center,
+                    style: theme.textTheme.bodyMedium,
+                  ),
+                ],
+              )
+            : ListView.separated(
+                padding: const EdgeInsets.fromLTRB(0, 8, 0, 88),
+                itemCount: entries.length + 1,
+                separatorBuilder: (_, _) => const Divider(height: 1),
+                itemBuilder: (context, index) {
+                  if (index == 0) {
+                    return Padding(
+                      padding: const EdgeInsets.fromLTRB(4, 4, 4, 12),
+                      child: Text(
+                        'Create, nest under another label, or delete custom '
+                        'ones. Built-in labels can be moved but not deleted.',
+                        style: theme.textTheme.bodyMedium,
+                      ),
+                    );
+                  }
+                  final entry = entries[index - 1];
+                  final label = entry.label;
+                  final parentId = meta.parentIdOf(label.id);
+                  final parent = parentId == null ? null : meta.labelById(parentId);
+                  return ListTile(
+                    contentPadding: EdgeInsets.fromLTRB(
+                      8 + entry.depth * 16.0,
+                      0,
+                      4,
+                      0,
+                    ),
+                    leading: Icon(label.icon, color: label.color),
+                    title: Text(label.name),
+                    subtitle: Text(
+                      [
+                        if (label.custom) 'Custom' else 'Built-in',
+                        if (parent != null) 'under ${parent.name}',
+                      ].join(' · '),
+                    ),
+                    trailing: PopupMenuButton<String>(
+                      tooltip: 'Actions',
+                      onSelected: (value) async {
+                        switch (value) {
+                          case 'sub':
+                            await _create(context, parentId: label.id);
+                          case 'move':
+                            await showMoveLabelDialog(context, label: label);
+                          case 'delete':
+                            await _delete(context, label);
+                        }
+                      },
+                      itemBuilder: (context) => [
+                        if (meta.depthOf(label.id) < kMaxLabelDepth)
+                          const PopupMenuItem(
+                            value: 'sub',
+                            child: ListTile(
+                              dense: true,
+                              contentPadding: EdgeInsets.zero,
+                              leading: Icon(Icons.subdirectory_arrow_right),
+                              title: Text('Add sub-label'),
+                            ),
+                          ),
+                        const PopupMenuItem(
+                          value: 'move',
+                          child: ListTile(
+                            dense: true,
+                            contentPadding: EdgeInsets.zero,
+                            leading: Icon(Icons.account_tree_outlined),
+                            title: Text('Move under…'),
+                          ),
+                        ),
+                        if (label.custom)
+                          PopupMenuItem(
+                            value: 'delete',
+                            child: ListTile(
+                              dense: true,
+                              contentPadding: EdgeInsets.zero,
+                              leading: Icon(
+                                Icons.delete_outline,
+                                color: colors.error,
+                              ),
+                              title: Text(
+                                'Delete',
+                                style: TextStyle(color: colors.error),
+                              ),
+                            ),
+                          ),
+                      ],
+                    ),
+                  );
+                },
+              ),
+      ),
+    );
+  }
+}

lib/screens/settings_screen.dart

@@ -13,6 +13,7 @@ import '../utils/connect_bank.dart';
 import '../utils/constants.dart';
 import '../utils/helpers.dart';
 import '../widgets/responsive_body.dart';
+import 'labels_screen.dart';
 
 class SettingsScreen extends StatelessWidget {
   const SettingsScreen({super.key});
@@ -201,6 +202,24 @@ class SettingsScreen extends StatelessWidget {
               style: theme.textTheme.bodyMedium,
             ),
             const SizedBox(height: 28),
+            Text('Labels', style: theme.textTheme.titleMedium),
+            const SizedBox(height: 8),
+            Card(
+              child: ListTile(
+                leading: const Icon(Icons.label_outline),
+                title: const Text('Manage labels'),
+                subtitle: const Text('Create, nest, move, or delete'),
+                trailing: const Icon(Icons.chevron_right),
+                onTap: () {
+                  Navigator.of(context).push(
+                    MaterialPageRoute<void>(
+                      builder: (_) => const LabelsScreen(),
+                    ),
+                  );
+                },
+              ),
+            ),
+            const SizedBox(height: 28),
             Text('CSV import', style: theme.textTheme.titleMedium),
             const SizedBox(height: 8),
             Card(

lib/screens/transaction_detail_screen.dart

@@ -9,6 +9,7 @@ import '../models/transaction_meta.dart';
 import '../providers/bank_provider.dart';
 import '../providers/tx_meta_provider.dart';
 import '../utils/helpers.dart';
+import '../widgets/label_parent_picker.dart';
 import '../widgets/responsive_body.dart';
 
 class TransactionDetailScreen extends StatefulWidget {
@@ -23,8 +24,11 @@ class TransactionDetailScreen extends StatefulWidget {
 
 class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
   late final TextEditingController _notesController;
+  late final TextEditingController _patternController;
   var _dirty = false;
   late bool _applyToSimilar;
+  var _busy = false;
+  String? _busyMessage;
 
   @override
   void initState() {
@@ -32,8 +36,14 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
     final meta = context.read<TxMetaController>();
     final notes = meta.metaFor(widget.tx).notes;
     _notesController = TextEditingController(text: notes);
+    final pattern = defaultSimilarPattern(widget.tx.description);
+    _patternController = TextEditingController(text: pattern);
     final all = context.read<BankController>().transactions;
-    final similarCount = meta.countSimilar(widget.tx, all);
+    final similarCount = meta.countSimilar(
+      widget.tx,
+      all,
+      pattern: pattern,
+    );
     // Default on when there are peers — otherwise users never notice the toggle.
     _applyToSimilar = similarCount > 1;
   }
@@ -41,26 +51,55 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
   @override
   void dispose() {
     _notesController.dispose();
+    _patternController.dispose();
     super.dispose();
   }
 
+  String get _pattern => _patternController.text.trim();
+
   List<BankTransaction> _similarScope(TxMetaController meta) {
     final all = context.read<BankController>().transactions;
     if (!_applyToSimilar) return const [];
-    return meta.similarTo(widget.tx, all);
+    return meta.similarTo(widget.tx, all, pattern: _pattern);
+  }
+
+  Future<void> _runBusy(
+    Future<void> Function() action, {
+    String? message,
+  }) async {
+    if (_busy) return;
+    setState(() {
+      _busy = true;
+      _busyMessage = message;
+    });
+    // Let the progress bar paint before heavy similar-matching / rebuilds.
+    await WidgetsBinding.instance.endOfFrame;
+    try {
+      await action();
+    } finally {
+      if (mounted) {
+        setState(() {
+          _busy = false;
+          _busyMessage = null;
+        });
+      }
+    }
   }
 
   Future<void> _saveNotes() async {
+    await _runBusy(
+      () async {
         final meta = context.read<TxMetaController>();
         final similar = _similarScope(meta);
+        final count = similar.isEmpty ? 1 : similar.length;
         await meta.setNotes(
           widget.tx,
           _notesController.text,
           applyToSimilar: similar,
+          matchPattern: _pattern,
         );
         if (!mounted) return;
         setState(() => _dirty = false);
-    final count = similar.isEmpty ? 1 : similar.length;
         ScaffoldMessenger.of(context).showSnackBar(
           SnackBar(
             content: Text(
@@ -70,18 +109,26 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
             ),
           ),
         );
+      },
+      message: _applyToSimilar
+          ? 'Saving notes on matching transactions…'
+          : 'Saving notes…',
+    );
   }
 
   Future<void> _toggleLabel(String labelId) async {
+    await _runBusy(
+      () async {
         final meta = context.read<TxMetaController>();
         final similar = _similarScope(meta);
+        final count = similar.isEmpty ? 1 : similar.length;
         await meta.toggleLabel(
           widget.tx,
           labelId,
           applyToSimilar: similar,
+          matchPattern: _pattern,
         );
         if (!mounted) return;
-    final count = similar.isEmpty ? 1 : similar.length;
         if (count > 1) {
           ScaffoldMessenger.of(context).showSnackBar(
             SnackBar(
@@ -89,29 +136,80 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
             ),
           );
         }
+      },
+      message: _applyToSimilar
+          ? 'Updating labels on matching transactions…'
+          : null,
+    );
   }
 
   Future<void> _clearLabels() async {
+    await _runBusy(
+      () {
         final meta = context.read<TxMetaController>();
-    final similar = _similarScope(meta);
+        return meta.clearLabels(
-    await meta.clearLabels(
           widget.tx,
-      applyToSimilar: similar,
+          applyToSimilar: _similarScope(meta),
+          matchPattern: _pattern,
+        );
+      },
+      message: _applyToSimilar
+          ? 'Clearing labels on matching transactions…'
+          : 'Clearing labels…',
     );
   }
 
   Future<void> _createLabel() async {
-    final name = await showDialog<String>(
-      context: context,
-      builder: (context) => const _NewLabelDialog(),
-    );
-    if (name == null || name.isEmpty || !mounted) return;
     final meta = context.read<TxMetaController>();
-    final label = await meta.createLabel(name);
+    final result = await showCreateLabelDialog(
+      context,
+      parents: meta.allLabels,
+    );
+    if (result == null || !mounted) return;
+    final label = await meta.createLabel(
+      result.name,
+      parentId: result.parentId,
+    );
     if (!mounted) return;
     await _toggleLabel(label.id);
   }
 
+  Future<void> _labelActions(TxLabel label) async {
+    final action = await showModalBottomSheet<String>(
+      context: context,
+      showDragHandle: true,
+      builder: (sheetContext) {
+        return SafeArea(
+          child: Column(
+            mainAxisSize: MainAxisSize.min,
+            children: [
+              ListTile(
+                leading: const Icon(Icons.account_tree_outlined),
+                title: const Text('Move under…'),
+                onTap: () => Navigator.pop(sheetContext, 'move'),
+              ),
+              if (label.custom)
+                ListTile(
+                  leading: Icon(
+                    Icons.delete_outline,
+                    color: Theme.of(sheetContext).colorScheme.error,
+                  ),
+                  title: const Text('Remove label'),
+                  onTap: () => Navigator.pop(sheetContext, 'remove'),
+                ),
+            ],
+          ),
+        );
+      },
+    );
+    if (!mounted || action == null) return;
+    if (action == 'move') {
+      await showMoveLabelDialog(context, label: label);
+    } else if (action == 'remove') {
+      await _confirmRemoveLabel(label);
+    }
+  }
+
   Future<void> _confirmRemoveLabel(TxLabel label) async {
     final ok = await showDialog<bool>(
       context: context,
@@ -143,17 +241,18 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
     final tx = widget.tx;
     final metaController = context.watch<TxMetaController>();
     final meta = metaController.metaFor(tx);
-    final all = context.watch<BankController>().transactions;
+    // Prefer read: bank data rarely changes while editing labels.
-    final similarCount = metaController.countSimilar(tx, all);
+    final all = context.read<BankController>().transactions;
+    final similarCount = metaController.countSimilar(
+      tx,
+      all,
+      pattern: _pattern,
+    );
     final theme = Theme.of(context);
     final colors = theme.colorScheme;
     final amountColor = tx.amount >= 0 ? colors.primary : colors.error;
     final selectedIds = meta.labelIds.toSet();
-    final merchantPreview = tx.merchantKey.isEmpty
+    final labelEntries = metaController.labelsInTreeOrder();
-        ? tx.description
-        : (tx.merchantKey.length > 48
-            ? '${tx.merchantKey.substring(0, 47)}…'
-            : tx.merchantKey);
 
     return Scaffold(
       appBar: AppBar(
@@ -161,7 +260,7 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
         actions: [
           if (_dirty)
             TextButton(
-              onPressed: _saveNotes,
+              onPressed: _busy ? null : _saveNotes,
               child: const Text('Save'),
             ),
         ],
@@ -170,9 +269,29 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
         child: ListView(
           padding: const EdgeInsets.only(top: 8, bottom: 32),
           children: [
+            if (_busy) ...[
+              const LinearProgressIndicator(minHeight: 2),
+              if (_busyMessage != null)
+                Padding(
+                  padding: const EdgeInsets.fromLTRB(0, 8, 0, 4),
+                  child: Text(
+                    _busyMessage!,
+                    style: theme.textTheme.labelMedium?.copyWith(
+                      color: colors.primary,
+                    ),
+                  ),
+                ),
+            ],
+            AbsorbPointer(
+              absorbing: _busy,
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.stretch,
+                children: [
             Text(
               formatMoney(tx.amount, tx.currency),
-              style: theme.textTheme.headlineMedium?.copyWith(color: amountColor),
+              style: theme.textTheme.headlineMedium?.copyWith(
+                color: amountColor,
+              ),
             ),
             const SizedBox(height: 8),
             Text(tx.description, style: theme.textTheme.titleMedium),
@@ -184,19 +303,47 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
               ].join(' · '),
               style: theme.textTheme.bodyMedium,
             ),
-            if (similarCount > 1) ...[
             const SizedBox(height: 16),
+            Text('Match similar', style: theme.textTheme.titleSmall),
+            const SizedBox(height: 8),
+            TextField(
+              controller: _patternController,
+              textInputAction: TextInputAction.done,
+              enabled: !_busy,
+              decoration: InputDecoration(
+                hintText: 'e.g. albert heijn  or  /albert\\s*heijn/',
+                helperText:
+                    'Plain text = contains. Wrap with /…/ for regex.',
+                helperMaxLines: 2,
+                suffixIcon: IconButton(
+                  tooltip: 'Reset default',
+                  onPressed: _busy
+                      ? null
+                      : () {
+                          setState(() {
+                            _patternController.text =
+                                defaultSimilarPattern(tx.description);
+                          });
+                        },
+                  icon: const Icon(Icons.refresh),
+                ),
+              ),
+              onChanged: (_) => setState(() {}),
+            ),
             SwitchListTile(
               contentPadding: EdgeInsets.zero,
               secondary: const Icon(Icons.copy_all_outlined),
               title: const Text('Apply to all similar'),
               subtitle: Text(
-                  '$similarCount matches · $merchantPreview',
+                similarCount <= 1
+                    ? 'No other matches for this pattern'
+                    : '$similarCount matching transactions',
               ),
-                value: _applyToSimilar,
+              value: _applyToSimilar && similarCount > 1,
-                onChanged: (value) => setState(() => _applyToSimilar = value),
+              onChanged: _busy || similarCount <= 1
+                  ? null
+                  : (value) => setState(() => _applyToSimilar = value),
             ),
-            ],
             const SizedBox(height: 8),
             SwitchListTile(
               contentPadding: EdgeInsets.zero,
@@ -204,7 +351,9 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
               title: const Text('Recurring'),
               subtitle: const Text('Salary, mortgage, subscriptions…'),
               value: meta.recurring,
-              onChanged: (value) {
+              onChanged: _busy
+                  ? null
+                  : (value) {
                       context.read<TxMetaController>().setRecurring(tx, value);
                     },
             ),
@@ -213,37 +362,94 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
               children: [
                 Text('Labels', style: theme.textTheme.titleSmall),
                 const Spacer(),
+                TextButton(
+                  onPressed: _busy ? null : _createLabel,
+                  child: const Text('New'),
+                ),
                 if (meta.hasLabel)
                   TextButton(
-                    onPressed: _clearLabels,
+                    onPressed: _busy ? null : _clearLabels,
                     child: const Text('Clear'),
                   ),
               ],
             ),
             const SizedBox(height: 8),
-            Wrap(
+            DecoratedBox(
-              spacing: 8,
+              decoration: BoxDecoration(
-              runSpacing: 8,
+                color: colors.surfaceContainerHighest,
+                borderRadius: BorderRadius.circular(12),
+                border: Border.all(
+                  color: colors.outlineVariant.withValues(alpha: 0.8),
+                ),
+              ),
+              child: ClipRRect(
+                borderRadius: BorderRadius.circular(12),
+                child: Column(
                   children: [
-                for (final label in metaController.allLabels)
+                    for (final entry in labelEntries) ...[
-                  GestureDetector(
+                      if (entry != labelEntries.first)
-                    onLongPress: label.custom
+                        Divider(
-                        ? () => _confirmRemoveLabel(label)
+                          height: 1,
-                        : null,
+                          indent: 40,
-                    child: FilterChip(
+                          color: colors.outlineVariant.withValues(alpha: 0.45),
-                      avatar: Icon(label.icon, size: 16, color: label.color),
+                        ),
-                      label: Text(label.name),
+                      InkWell(
-                      selected: selectedIds.contains(label.id),
+                        onTap: _busy ? null : () => _toggleLabel(entry.label.id),
-                      onSelected: (_) => _toggleLabel(label.id),
+                        onLongPress:
+                            _busy ? null : () => _labelActions(entry.label),
+                        child: Padding(
+                          padding: EdgeInsets.fromLTRB(
+                            8 + entry.depth * 16.0,
+                            2,
+                            4,
+                            2,
+                          ),
+                          child: Row(
+                            children: [
+                              if (entry.depth > 0) ...[
+                                Icon(
+                                  Icons.subdirectory_arrow_right,
+                                  size: 14,
+                                  color: colors.onSurfaceVariant,
+                                ),
+                                const SizedBox(width: 4),
+                              ],
+                              Icon(
+                                entry.label.icon,
+                                size: 18,
+                                color: entry.label.color,
+                              ),
+                              const SizedBox(width: 10),
+                              Expanded(
+                                child: Text(
+                                  entry.label.name,
+                                  style: theme.textTheme.bodyMedium,
+                                  maxLines: 1,
+                                  overflow: TextOverflow.ellipsis,
                                 ),
                               ),
-                ActionChip(
+                              SizedBox(
-                  avatar: const Icon(Icons.add, size: 16),
+                                height: 32,
-                  label: const Text('New label'),
+                                width: 32,
-                  onPressed: _createLabel,
+                                child: Checkbox(
+                                  materialTapTargetSize:
+                                      MaterialTapTargetSize.shrinkWrap,
+                                  visualDensity: VisualDensity.compact,
+                                  value: selectedIds.contains(entry.label.id),
+                                  onChanged: _busy
+                                      ? null
+                                      : (_) => _toggleLabel(entry.label.id),
+                                ),
                               ),
                             ],
                           ),
+                        ),
+                      ),
+                    ],
+                  ],
+                ),
+              ),
+            ),
             const SizedBox(height: 24),
             Text('Notes', style: theme.textTheme.titleSmall),
             const SizedBox(height: 8),
@@ -251,6 +457,7 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
               controller: _notesController,
               minLines: 3,
               maxLines: 6,
+              enabled: !_busy,
               textInputAction: TextInputAction.newline,
               decoration: const InputDecoration(
                 hintText: 'Add a private note…',
@@ -261,7 +468,7 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
             ),
             const SizedBox(height: 12),
             FilledButton(
-              onPressed: _dirty ? _saveNotes : null,
+              onPressed: _dirty && !_busy ? _saveNotes : null,
               child: Text(
                 _applyToSimilar && similarCount > 1
                     ? 'Save notes for $similarCount'
@@ -270,65 +477,16 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
             ),
             const SizedBox(height: 16),
             Text(
-              'Tap labels to add or remove several. Long-press a custom label '
+              'Sub-labels also select their parents. Unchecking a parent '
-              'to delete it. Similar matches strip dates and ids so supermarket '
+              'clears its sub-labels. Long-press a row to move or delete.',
-              'purchases group together.',
               style: theme.textTheme.labelMedium,
             ),
                 ],
               ),
             ),
-    );
-  }
-}
-
-class _NewLabelDialog extends StatefulWidget {
-  const _NewLabelDialog();
-
-  @override
-  State<_NewLabelDialog> createState() => _NewLabelDialogState();
-}
-
-class _NewLabelDialogState extends State<_NewLabelDialog> {
-  late final TextEditingController _controller;
-
-  @override
-  void initState() {
-    super.initState();
-    _controller = TextEditingController();
-  }
-
-  @override
-  void dispose() {
-    _controller.dispose();
-    super.dispose();
-  }
-
-  void _submit() {
-    Navigator.pop(context, _controller.text.trim());
-  }
-
-  @override
-  Widget build(BuildContext context) {
-    return AlertDialog(
-      title: const Text('New label'),
-      content: TextField(
-        controller: _controller,
-        autofocus: true,
-        textCapitalization: TextCapitalization.sentences,
-        decoration: const InputDecoration(hintText: 'e.g. Supermarket'),
-        onSubmitted: (_) => _submit(),
-      ),
-      actions: [
-        TextButton(
-          onPressed: () => Navigator.pop(context),
-          child: const Text('Cancel'),
-        ),
-        FilledButton(
-          onPressed: _submit,
-          child: const Text('Create'),
-        ),
           ],
+        ),
+      ),
     );
   }
 }

lib/screens/transactions_screen.dart

@@ -1,6 +1,8 @@
 /// Searchable transaction list with month heatmap and money in/out totals.
 library;
 
+import 'dart:async';
+
 import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
@@ -13,28 +15,53 @@ import '../utils/helpers.dart';
 import '../utils/navigation.dart';
 import '../utils/tx_calendar.dart';
 import '../widgets/empty_state.dart';
+import '../widgets/label_filter_dialog.dart';
 import '../widgets/loading_view.dart';
 import '../widgets/responsive_body.dart';
+import '../widgets/skip_build_when_covered.dart';
 import '../widgets/tx_heatmap.dart';
 import 'transaction_detail_screen.dart';
 
 class TransactionsScreen extends StatefulWidget {
-  const TransactionsScreen({super.key, this.initialMonth});
+  const TransactionsScreen({
+    super.key,
+    this.initialMonth,
+    this.initialLabelIds = const {},
+    this.initialSearchInMonthOnly,
+    this.initialYear,
+  });
 
   /// When set, opens on this calendar month instead of the current month.
   final DateTime? initialMonth;
 
+  /// Pre-select these label filters (e.g. from overview history).
+  final Set<String> initialLabelIds;
+
+  /// When set, overrides the default "search in month" checkbox.
+  final bool? initialSearchInMonthOnly;
+
+  /// When set, label/search results are limited to this calendar year.
+  final int? initialYear;
+
   @override
   State<TransactionsScreen> createState() => _TransactionsScreenState();
 }
 
 class _TransactionsScreenState extends State<TransactionsScreen> {
+  static const _minLiveSearchChars = 3;
+  static const _searchDebounce = Duration(milliseconds: 280);
+
   final _searchController = TextEditingController();
-  String _query = '';
   late DateTime _month;
   DateTime? _selectedDay;
-  var _searchInMonthOnly = false;
+  late bool _searchInMonthOnly;
-  final Set<String> _labelFilters = {};
+  late final Set<String> _labelFilters;
+  int? _yearFilter;
+  var _showCalendar = false;
+
+  /// Query actually used for filtering (Enter, or live once ≥3 chars).
+  String _activeQuery = '';
+  Timer? _searchDebounceTimer;
 
   @override
   void initState() {
@@ -47,16 +74,20 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
       final start = monthStart(initial);
       _month = start.isAfter(now) ? now : start;
     }
+    _labelFilters = Set<String>.of(widget.initialLabelIds);
+    _searchInMonthOnly = widget.initialSearchInMonthOnly ?? false;
+    _yearFilter = widget.initialYear;
   }
 
   @override
   void dispose() {
+    _searchDebounceTimer?.cancel();
     _searchController.dispose();
     super.dispose();
   }
 
   bool get _isSearching =>
-      _query.trim().isNotEmpty || _labelFilters.isNotEmpty;
+      _activeQuery.trim().isNotEmpty || _labelFilters.isNotEmpty;
 
   void _goMonth(int delta) {
     final next = addMonths(_month, delta);
@@ -70,17 +101,44 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
 
   DateTime? _txDate(BankTransaction tx) => DateTime.tryParse(tx.date);
 
-  bool _inCalendarScope(BankTransaction tx) {
+  List<BankTransaction> _yearScoped(List<BankTransaction> all) {
-    final date = _txDate(tx);
+    final year = _yearFilter;
-    if (date == null) return false;
+    if (year == null) return all;
-    if (_selectedDay != null) return isSameDay(date, _selectedDay!);
+    return [
-    return isSameMonth(date, _month);
+      for (final tx in all)
+        if (_txDate(tx)?.year == year) tx,
+    ];
   }
 
-  bool _inMonth(BankTransaction tx) {
+  void _onSearchChanged(String value) {
-    final date = _txDate(tx);
+    final trimmed = value.trim();
-    if (date == null) return false;
+    _searchDebounceTimer?.cancel();
-    return isSameMonth(date, _month);
+
+    if (trimmed.length >= _minLiveSearchChars) {
+      // TextField updates via the controller; only rebuild the list after debounce.
+      _searchDebounceTimer = Timer(_searchDebounce, () {
+        if (!mounted) return;
+        if (_activeQuery == trimmed) return;
+        setState(() => _activeQuery = trimmed);
+      });
+      return;
+    }
+
+    // Below threshold: no live search. Clear active text filter if needed.
+    if (_activeQuery.isNotEmpty) {
+      setState(() => _activeQuery = '');
+    }
+  }
+
+  void _onSearchSubmitted(String value) {
+    _searchDebounceTimer?.cancel();
+    setState(() => _activeQuery = value.trim());
+  }
+
+  void _clearSearch() {
+    _searchDebounceTimer?.cancel();
+    _searchController.clear();
+    setState(() => _activeQuery = '');
   }
 
   Future<void> _pickLabels(List<TxLabel> available) async {
@@ -91,70 +149,21 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
       return;
     }
 
-    final selected = Set<String>.of(_labelFilters);
+    final result = await showLabelFilterDialog(
-    await showModalBottomSheet<void>(
+      context,
-      context: context,
+      available: available,
-      showDragHandle: true,
+      initiallySelected: Set<String>.of(_labelFilters),
-      builder: (sheetContext) {
+      title: 'Filter transactions',
-        return StatefulBuilder(
+      subtitle: 'Show transactions with any of these labels.',
-          builder: (context, setSheetState) {
+      includeUncategorized: true,
-            return SafeArea(
+    );
-              child: Padding(
+    if (result == null || !mounted) return;
-                padding: const EdgeInsets.fromLTRB(16, 0, 16, 24),
+
-                child: Column(
-                  mainAxisSize: MainAxisSize.min,
-                  crossAxisAlignment: CrossAxisAlignment.stretch,
-                  children: [
-                    Text(
-                      'Filter by label',
-                      style: Theme.of(context).textTheme.titleMedium,
-                    ),
-                    const SizedBox(height: 12),
-                    Wrap(
-                      spacing: 8,
-                      runSpacing: 8,
-                      children: [
-                        for (final label in available)
-                          FilterChip(
-                            avatar: Icon(
-                              label.icon,
-                              size: 16,
-                              color: label.color,
-                            ),
-                            label: Text(label.name),
-                            selected: selected.contains(label.id),
-                            onSelected: (value) {
-                              setSheetState(() {
-                                if (value) {
-                                  selected.add(label.id);
-                                } else {
-                                  selected.remove(label.id);
-                                }
-                              });
-                            },
-                          ),
-                      ],
-                    ),
-                    const SizedBox(height: 16),
-                    FilledButton(
-                      onPressed: () {
     setState(() {
       _labelFilters
         ..clear()
-                            ..addAll(selected);
+        ..addAll(result);
     });
-                        Navigator.pop(sheetContext);
-                      },
-                      child: const Text('Apply'),
-                    ),
-                  ],
-                ),
-              ),
-            );
-          },
-        );
-      },
-    );
   }
 
   @override
@@ -170,12 +179,22 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
           refreshing: bank.isLoading,
         ),
       ),
-      body: RefreshIndicator(
+      body: Column(
+        children: [
+          if (bank.isLoading && bank.transactions.isNotEmpty)
+            const LinearProgressIndicator(minHeight: 2),
+          Expanded(
+            child: RefreshIndicator(
               onRefresh: bank.refresh,
               child: ResponsiveBody(
-          child: _buildBody(context, bank),
+                child: SkipBuildWhenCovered(
+                  builder: (context) => _buildBody(context, bank),
                 ),
               ),
+            ),
+          ),
+        ],
+      ),
     );
   }
 
@@ -183,12 +202,13 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
     final metaController = context.watch<TxMetaController>();
     final theme = Theme.of(context);
     final colors = theme.colorScheme;
+    final txs = bank.transactions;
 
-    if (bank.isLoading && bank.transactions.isEmpty) {
+    if (bank.isLoading && txs.isEmpty) {
       return const LoadingView(message: 'Loading transactions…');
     }
 
-    if (!bank.isLinked && bank.transactions.isEmpty) {
+    if (!bank.isLinked && txs.isEmpty) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: [
@@ -204,7 +224,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
       );
     }
 
-    if (bank.error != null && bank.transactions.isEmpty) {
+    if (bank.error != null && txs.isEmpty) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: [
@@ -219,7 +239,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
       );
     }
 
-    if (bank.transactions.isEmpty) {
+    if (txs.isEmpty) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: const [
@@ -233,33 +253,55 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
     }
 
     final nowMonth = monthStart(DateTime.now());
-    final monthDates = <DateTime>[
+    final monthDates = <DateTime>[];
-      for (final tx in bank.transactions)
+    final calendarScoped = <BankTransaction>[];
-        if (_txDate(tx) != null && isSameMonth(_txDate(tx)!, _month))
+    final monthScoped = <BankTransaction>[];
-          dateOnly(_txDate(tx)!),
-    ];
-    final counts = txCountsByDay(monthDates);
 
-    final calendarScoped = [
+    for (final tx in txs) {
-      for (final tx in bank.transactions)
+      final date = _txDate(tx);
-        if (_inCalendarScope(tx)) tx,
+      if (date == null) continue;
-    ];
+      if (isSameMonth(date, _month)) {
+        monthDates.add(dateOnly(date));
+        monthScoped.add(tx);
+        if (_selectedDay == null || isSameDay(date, _selectedDay!)) {
+          calendarScoped.add(tx);
+        }
+      } else if (_selectedDay != null && isSameDay(date, _selectedDay!)) {
+        calendarScoped.add(tx);
+      }
+    }
+    final counts = txCountsByDay(monthDates);
 
     final searchPool = !_isSearching
         ? calendarScoped
         : _searchInMonthOnly
-            ? [
+            ? monthScoped
-                for (final tx in bank.transactions)
+            : _yearScoped(txs);
-                  if (_inMonth(tx)) tx,
+
-              ]
+    // Text hits first (no label filter) so refine chips stay available while selecting.
-            : bank.transactions;
+    final textMatched = _activeQuery.trim().isEmpty
+        ? const <BankTransaction>[]
+        : metaController.search(searchPool, _activeQuery);
 
     final filtered = metaController.search(
       searchPool,
-      _query,
+      _activeQuery,
       labelIds: _labelFilters,
     );
 
+    final refineLabels = _activeQuery.trim().isEmpty
+        ? const <TxLabel>[]
+        : metaController.usedLabels(textMatched);
+    final showUncategorizedRefine = _activeQuery.trim().isNotEmpty &&
+        textMatched.any((tx) => !metaController.metaFor(tx).hasLabel);
+    final refineChoices = <TxLabel>[
+      if (showUncategorizedRefine &&
+          !_labelFilters.contains(kUncategorizedFilterId))
+        kUncategorizedFilterLabel,
+      for (final label in refineLabels)
+        if (!_labelFilters.contains(label.id)) label,
+    ];
+
     var moneyOut = 0.0;
     var moneyIn = 0.0;
     for (final tx in calendarScoped) {
@@ -270,51 +312,125 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
       }
     }
     final currency = bank.balance?.currency ??
-        (bank.transactions.isNotEmpty
+        (txs.isNotEmpty ? txs.first.currency : 'EUR');
-            ? bank.transactions.first.currency
-            : 'EUR');
-    final usedLabels = metaController.usedLabels(bank.transactions);
     final labelById = {
       for (final label in metaController.allLabels) label.id: label,
     };
 
-    return ListView(
+    return CustomScrollView(
       physics: const AlwaysScrollableScrollPhysics(),
-      padding: const EdgeInsets.only(bottom: 32),
+      slivers: [
-      children: [
+        if (bank.error != null && txs.isNotEmpty)
-        Padding(
+          SliverToBoxAdapter(
+            child: Padding(
+              padding: const EdgeInsets.only(top: 8, bottom: 4),
+              child: Material(
+                color: colors.errorContainer,
+                borderRadius: BorderRadius.circular(10),
+                child: Padding(
+                  padding: const EdgeInsets.symmetric(
+                    horizontal: 12,
+                    vertical: 8,
+                  ),
+                  child: Text(
+                    bank.error!,
+                    style: theme.textTheme.bodySmall?.copyWith(
+                      color: colors.onErrorContainer,
+                    ),
+                  ),
+                ),
+              ),
+            ),
+          ),
+        SliverToBoxAdapter(
+          child: Padding(
             padding: const EdgeInsets.only(top: 8, bottom: 4),
             child: Row(
+              crossAxisAlignment: CrossAxisAlignment.start,
               children: [
                 Expanded(
-                child: TextField(
+                  child: ValueListenableBuilder<TextEditingValue>(
+                    valueListenable: _searchController,
+                    builder: (context, value, _) {
+                      final draft = value.text.trim();
+                      final showHint = draft.isNotEmpty &&
+                          draft.length < _minLiveSearchChars &&
+                          draft != _activeQuery.trim();
+                      return Column(
+                        crossAxisAlignment: CrossAxisAlignment.stretch,
+                        children: [
+                          TextField(
                             controller: _searchController,
                             textInputAction: TextInputAction.search,
                             decoration: InputDecoration(
-                    hintText: 'Search description, notes…',
+                              hintText:
-                    prefixIcon: IconButton(
+                                  'Search (3+ chars, or press search)',
-                      tooltip: 'Labels',
+                              prefixIcon: const Icon(Icons.search),
-                      onPressed: () => _pickLabels(usedLabels),
+                              suffixIcon: value.text.isNotEmpty
-                      icon: Icon(
+                                  ? IconButton(
-                        Icons.search,
-                        color: _labelFilters.isEmpty ? null : colors.primary,
-                      ),
-                    ),
-                    suffixIcon: _query.isEmpty
-                        ? null
-                        : IconButton(
                                       tooltip: 'Clear',
-                            onPressed: () {
+                                      onPressed: _clearSearch,
-                              _searchController.clear();
-                              setState(() => _query = '');
-                            },
                                       icon: const Icon(Icons.clear),
+                                    )
+                                  : null,
+                            ),
+                            onChanged: _onSearchChanged,
+                            onSubmitted: _onSearchSubmitted,
+                          ),
+                          if (showHint)
+                            Padding(
+                              padding: const EdgeInsets.only(top: 6),
+                              child: Text(
+                                'Press search to look up short terms',
+                                style:
+                                    theme.textTheme.labelMedium?.copyWith(
+                                  color: colors.onSurfaceVariant,
                                 ),
                               ),
-                  onChanged: (value) => setState(() => _query = value),
+                            ),
+                        ],
+                      );
+                    },
+                  ),
+                ),
+                const SizedBox(width: 2),
+                IconButton(
+                  tooltip: _labelFilters.isEmpty
+                      ? 'Filter by label'
+                      : 'Filter by label (${_labelFilters.length})',
+                  onPressed: () => _pickLabels(
+                    metaController.usedLabels(txs),
+                  ),
+                  style: IconButton.styleFrom(
+                    backgroundColor: _labelFilters.isEmpty
+                        ? null
+                        : colors.secondaryContainer,
+                  ),
+                  icon: Badge(
+                    isLabelVisible: _labelFilters.isNotEmpty,
+                    smallSize: 6,
+                    child: const Icon(Icons.filter_list),
+                  ),
+                ),
+                IconButton(
+                  tooltip: _showCalendar ? 'Hide calendar' : 'Show calendar',
+                  onPressed: () {
+                    setState(() {
+                      _showCalendar = !_showCalendar;
+                      if (!_showCalendar) _selectedDay = null;
+                    });
+                  },
+                  style: IconButton.styleFrom(
+                    backgroundColor: _showCalendar
+                        ? colors.secondaryContainer
+                        : null,
+                  ),
+                  icon: Icon(
+                    _showCalendar
+                        ? Icons.calendar_month
+                        : Icons.calendar_month_outlined,
                   ),
                 ),
-              const SizedBox(width: 4),
                 Tooltip(
                   message: 'Search only in calendar month',
                   child: Row(
@@ -323,7 +439,9 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                       Checkbox(
                         value: _searchInMonthOnly,
                         onChanged: (value) {
-                        setState(() => _searchInMonthOnly = value ?? false);
+                          setState(
+                            () => _searchInMonthOnly = value ?? false,
+                          );
                         },
                       ),
                       Text('Month', style: theme.textTheme.labelMedium),
@@ -333,30 +451,10 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
               ],
             ),
           ),
-        if (_labelFilters.isNotEmpty)
-          Padding(
-            padding: const EdgeInsets.only(bottom: 8),
-            child: Wrap(
-              spacing: 8,
-              runSpacing: 8,
-              children: [
-                for (final id in _labelFilters)
-                  if (labelById[id] != null)
-                    InputChip(
-                      avatar: Icon(
-                        labelById[id]!.icon,
-                        size: 16,
-                        color: labelById[id]!.color,
         ),
-                      label: Text(labelById[id]!.name),
+        if (_showCalendar) ...[
-                      onDeleted: () {
+          SliverToBoxAdapter(
-                        setState(() => _labelFilters.remove(id));
+            child: TxHeatmap(
-                      },
-                    ),
-              ],
-            ),
-          ),
-        TxHeatmap(
               month: _month,
               counts: counts,
               canGoForward: _month.isBefore(nowMonth),
@@ -365,8 +463,10 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
               onNextMonth: () => _goMonth(1),
               onSelectDay: (day) => setState(() => _selectedDay = day),
             ),
+          ),
           if (_selectedDay != null)
-          Padding(
+            SliverToBoxAdapter(
+              child: Padding(
                 padding: const EdgeInsets.only(bottom: 8),
                 child: Align(
                   alignment: Alignment.centerLeft,
@@ -376,7 +476,37 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                   ),
                 ),
               ),
-        Padding(
+            ),
+        ] else
+          SliverToBoxAdapter(
+            child: Padding(
+              padding: const EdgeInsets.fromLTRB(0, 4, 0, 8),
+              child: Row(
+                children: [
+                  IconButton(
+                    tooltip: 'Previous month',
+                    onPressed: () => _goMonth(-1),
+                    icon: const Icon(Icons.chevron_left),
+                  ),
+                  Expanded(
+                    child: Text(
+                      formatMonthYear(_month),
+                      textAlign: TextAlign.center,
+                      style: theme.textTheme.titleMedium,
+                    ),
+                  ),
+                  IconButton(
+                    tooltip: 'Next month',
+                    onPressed:
+                        _month.isBefore(nowMonth) ? () => _goMonth(1) : null,
+                    icon: const Icon(Icons.chevron_right),
+                  ),
+                ],
+              ),
+            ),
+          ),
+        SliverToBoxAdapter(
+          child: Padding(
             padding: const EdgeInsets.fromLTRB(0, 4, 0, 12),
             child: Row(
               children: [
@@ -400,18 +530,114 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
               ],
             ),
           ),
-        if (_isSearching)
+        ),
-          Padding(
+        if (_isSearching || _labelFilters.isNotEmpty)
+          SliverToBoxAdapter(
+            child: Padding(
               padding: const EdgeInsets.only(bottom: 8),
-            child: Text(
+              child: Column(
-              _searchInMonthOnly
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  if (_isSearching)
+                    Text(
+                      _yearFilter != null
+                          ? 'Filtered to $_yearFilter'
+                          : _searchInMonthOnly
                               ? 'Searching in ${formatMonthYear(_month)}'
                               : 'Searching all transactions',
                       style: theme.textTheme.labelMedium,
                     ),
+                  if (_labelFilters.isNotEmpty) ...[
+                    if (_isSearching) const SizedBox(height: 8),
+                    Wrap(
+                      spacing: 6,
+                      runSpacing: 6,
+                      children: [
+                        for (final id in _labelFilters)
+                          if (id == kUncategorizedFilterId)
+                            InputChip(
+                              visualDensity: VisualDensity.compact,
+                              avatar: Icon(
+                                kUncategorizedFilterLabel.icon,
+                                size: 14,
+                                color: kUncategorizedFilterLabel.color,
+                              ),
+                              label: const Text('Uncategorized'),
+                              onDeleted: () {
+                                setState(
+                                  () => _labelFilters
+                                      .remove(kUncategorizedFilterId),
+                                );
+                              },
+                            )
+                          else if (labelById[id] != null)
+                            InputChip(
+                              visualDensity: VisualDensity.compact,
+                              avatar: Icon(
+                                labelById[id]!.icon,
+                                size: 14,
+                                color: labelById[id]!.color,
+                              ),
+                              label: Text(labelById[id]!.name),
+                              onDeleted: () {
+                                setState(() => _labelFilters.remove(id));
+                              },
+                            ),
+                      ],
+                    ),
+                  ],
+                  if (refineChoices.isNotEmpty) ...[
+                    const SizedBox(height: 8),
+                    Text(
+                      'Refine by label',
+                      style: theme.textTheme.labelSmall?.copyWith(
+                        color: colors.onSurfaceVariant,
+                      ),
+                    ),
+                    const SizedBox(height: 6),
+                    Wrap(
+                      spacing: 6,
+                      runSpacing: 6,
+                      children: [
+                        for (final label in refineChoices)
+                          FilterChip(
+                            visualDensity: VisualDensity.compact,
+                            materialTapTargetSize:
+                                MaterialTapTargetSize.shrinkWrap,
+                            avatar: Icon(
+                              label.icon,
+                              size: 14,
+                              color: label.color,
+                            ),
+                            label: Text(label.name),
+                            selected: false,
+                            onSelected: (_) {
+                              setState(() => _labelFilters.add(label.id));
+                            },
+                          ),
+                      ],
+                    ),
+                  ],
+                ],
+              ),
+            ),
+          ),
+        SliverToBoxAdapter(
+          child: Padding(
+            padding: const EdgeInsets.only(bottom: 8),
+            child: Text(
+              filtered.length == 1
+                  ? '1 transaction'
+                  : '${filtered.length} transactions',
+              style: theme.textTheme.titleSmall?.copyWith(
+                color: colors.onSurfaceVariant,
+              ),
+            ),
+          ),
         ),
         if (filtered.isEmpty)
-          Padding(
+          SliverToBoxAdapter(
+            child: Padding(
               padding: const EdgeInsets.symmetric(vertical: 24),
               child: Text(
                 _isSearching
@@ -422,21 +648,35 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                 textAlign: TextAlign.center,
                 style: theme.textTheme.bodyMedium,
               ),
+            ),
           )
         else
-          for (var i = 0; i < filtered.length; i++) ...[
+          SliverList(
-            if (i > 0)
+            delegate: SliverChildBuilderDelegate(
+              (context, index) {
+                final tx = filtered[index];
+                final meta = metaController.metaFor(tx);
+                return Column(
+                  mainAxisSize: MainAxisSize.min,
+                  children: [
+                    if (index > 0)
                       Divider(
                         height: 1,
                         color: colors.outlineVariant.withValues(alpha: 0.5),
                       ),
                     _CompactTransactionTile(
-              tx: filtered[i],
+                      tx: tx,
-              meta: metaController.metaFor(filtered[i]),
+                      meta: meta,
-              labels: metaController
+                      labels: metaController.leafLabelsFor(meta),
-                  .labelsFor(metaController.metaFor(filtered[i])),
                     ),
                   ],
+                );
+              },
+              childCount: filtered.length,
+              addAutomaticKeepAlives: false,
+            ),
+          ),
+        const SliverToBoxAdapter(child: SizedBox(height: 32)),
       ],
     );
   }

lib/services/storage_service.dart

@@ -17,6 +17,7 @@ class TxMetaStoreData {
     this.notesByMerchant = const {},
     this.exactTemplates = const {},
     this.customLabels = const [],
+    this.labelParents = const {},
   });
 
   final Map<String, TxMeta> byId;
@@ -24,6 +25,9 @@ class TxMetaStoreData {
   final Map<String, String> notesByMerchant;
   final Map<String, TxExactTemplate> exactTemplates;
   final List<TxLabel> customLabels;
+
+  /// childLabelId → parentLabelId (roots omitted).
+  final Map<String, String> labelParents;
 }
 
 /// Cached bank payload so the app stays usable across restarts / brief outages.
@@ -236,6 +240,7 @@ class StorageService {
       'customLabels': [
         for (final label in store.customLabels) label.toJson(),
       ],
+      'labelParents': store.labelParents,
     };
     return _prefs.setString(StorageKeys.txMeta, jsonEncode(encoded));
   }
@@ -323,12 +328,35 @@ class StorageService {
         }
       }
 
+      final labelParents = <String, String>{};
+      final parentsRaw = root['labelParents'];
+      if (parentsRaw is Map) {
+        parentsRaw.forEach((key, value) {
+          if (key is String &&
+              value is String &&
+              key.isNotEmpty &&
+              value.isNotEmpty) {
+            labelParents[key] = value;
+          }
+        });
+      }
+      // Prefer explicit map; fall back to parentId embedded on custom labels.
+      for (final label in customLabels) {
+        final parent = label.parentId;
+        if (parent != null &&
+            parent.isNotEmpty &&
+            !labelParents.containsKey(label.id)) {
+          labelParents[label.id] = parent;
+        }
+      }
+
       return TxMetaStoreData(
         byId: byId,
         labelsByMerchant: labelsByMerchant,
         notesByMerchant: notesByMerchant,
         exactTemplates: exactTemplates,
         customLabels: customLabels,
+        labelParents: labelParents,
       );
     } catch (_) {
       return const TxMetaStoreData();

lib/widgets/label_filter_dialog.dart

@@ -0,0 +1,283 @@
+/// Compact indented label multi-select for list/chart filters.
+library;
+
+import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
+
+import '../models/transaction_meta.dart';
+import '../providers/tx_meta_provider.dart';
+import 'label_parent_picker.dart';
+
+/// Returns the selected label ids, or `null` if cancelled.
+///
+/// When [includeUncategorized] is true, [kUncategorizedFilterId] may be
+/// selected. Long-press still opens move-parent when [allowMove] is true.
+Future<Set<String>?> showLabelFilterDialog(
+  BuildContext context, {
+  required List<TxLabel> available,
+  required Set<String> initiallySelected,
+  String title = 'Filter by label',
+  String subtitle = 'Choose which labels to include.',
+  bool includeUncategorized = false,
+  bool allowMove = false,
+}) {
+  return showDialog<Set<String>>(
+    context: context,
+    builder: (dialogContext) {
+      return _LabelFilterDialog(
+        available: available,
+        initiallySelected: initiallySelected,
+        title: title,
+        subtitle: subtitle,
+        includeUncategorized: includeUncategorized,
+        allowMove: allowMove,
+      );
+    },
+  );
+}
+
+class _LabelFilterDialog extends StatefulWidget {
+  const _LabelFilterDialog({
+    required this.available,
+    required this.initiallySelected,
+    required this.title,
+    required this.subtitle,
+    required this.includeUncategorized,
+    required this.allowMove,
+  });
+
+  final List<TxLabel> available;
+  final Set<String> initiallySelected;
+  final String title;
+  final String subtitle;
+  final bool includeUncategorized;
+  final bool allowMove;
+
+  @override
+  State<_LabelFilterDialog> createState() => _LabelFilterDialogState();
+}
+
+class _LabelFilterDialogState extends State<_LabelFilterDialog> {
+  late final Set<String> _selected;
+
+  @override
+  void initState() {
+    super.initState();
+    _selected = Set<String>.of(widget.initiallySelected);
+  }
+
+  void _toggle(String id, bool selected) {
+    setState(() {
+      if (selected) {
+        _selected.add(id);
+      } else {
+        _selected.remove(id);
+      }
+    });
+  }
+
+  void _selectAll() {
+    setState(() {
+      _selected
+        ..clear()
+        ..addAll(widget.available.map((l) => l.id));
+      if (widget.includeUncategorized) {
+        _selected.add(kUncategorizedFilterId);
+      }
+    });
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    final meta = context.watch<TxMetaController>();
+    final entries = meta.treeOrderFor(widget.available);
+    final maxListHeight = MediaQuery.sizeOf(context).height * 0.45;
+    final uncategorizedChecked =
+        _selected.contains(kUncategorizedFilterId);
+
+    return AlertDialog(
+      title: Text(widget.title),
+      content: SizedBox(
+        width: double.maxFinite,
+        child: Column(
+          mainAxisSize: MainAxisSize.min,
+          crossAxisAlignment: CrossAxisAlignment.stretch,
+          children: [
+            Text(widget.subtitle, style: theme.textTheme.bodyMedium),
+            const SizedBox(height: 10),
+            ConstrainedBox(
+              constraints: BoxConstraints(maxHeight: maxListHeight),
+              child: DecoratedBox(
+                decoration: BoxDecoration(
+                  color: colors.surfaceContainerHighest,
+                  borderRadius: BorderRadius.circular(12),
+                  border: Border.all(
+                    color: colors.outlineVariant.withValues(alpha: 0.8),
+                  ),
+                ),
+                child: ClipRRect(
+                  borderRadius: BorderRadius.circular(12),
+                  child: ListView.separated(
+                    shrinkWrap: true,
+                    padding: const EdgeInsets.symmetric(vertical: 4),
+                    itemCount: entries.length +
+                        (widget.includeUncategorized ? 1 : 0),
+                    separatorBuilder: (_, _) => Divider(
+                      height: 1,
+                      thickness: 1,
+                      indent: 40,
+                      color:
+                          colors.outlineVariant.withValues(alpha: 0.45),
+                    ),
+                    itemBuilder: (context, index) {
+                      if (widget.includeUncategorized && index == 0) {
+                        return _FilterRow(
+                          depth: 0,
+                          icon: kUncategorizedFilterLabel.icon,
+                          color: kUncategorizedFilterLabel.color,
+                          name: kUncategorizedFilterLabel.name,
+                          checked: uncategorizedChecked,
+                          onToggle: (value) =>
+                              _toggle(kUncategorizedFilterId, value),
+                        );
+                      }
+                      final entry = entries[
+                          widget.includeUncategorized ? index - 1 : index];
+                      final label = entry.label;
+                      final checked = _selected.contains(label.id);
+                      return _FilterRow(
+                        depth: entry.depth,
+                        icon: label.icon,
+                        color: label.color,
+                        name: label.name,
+                        checked: checked,
+                        onToggle: (value) => _toggle(label.id, value),
+                        onLongPress: widget.allowMove
+                            ? () async {
+                                await showMoveLabelDialog(
+                                  context,
+                                  label: label,
+                                );
+                                if (mounted) setState(() {});
+                              }
+                            : null,
+                      );
+                    },
+                  ),
+                ),
+              ),
+            ),
+          ],
+        ),
+      ),
+      actionsPadding: const EdgeInsets.fromLTRB(16, 0, 16, 16),
+      actions: [
+        SizedBox(
+          width: double.maxFinite,
+          child: Column(
+            crossAxisAlignment: CrossAxisAlignment.stretch,
+            children: [
+              Row(
+                children: [
+                  Expanded(
+                    child: TextButton(
+                      onPressed: _selectAll,
+                      child: const Text('All'),
+                    ),
+                  ),
+                  Expanded(
+                    child: TextButton(
+                      onPressed: () {
+                        setState(() => _selected.clear());
+                      },
+                      child: const Text('None'),
+                    ),
+                  ),
+                  Expanded(
+                    child: TextButton(
+                      onPressed: () => Navigator.pop(context),
+                      child: const Text('Cancel'),
+                    ),
+                  ),
+                ],
+              ),
+              const SizedBox(height: 4),
+              FilledButton(
+                onPressed: () =>
+                    Navigator.pop(context, Set<String>.of(_selected)),
+                child: const Text('Apply'),
+              ),
+            ],
+          ),
+        ),
+      ],
+    );
+  }
+}
+
+class _FilterRow extends StatelessWidget {
+  const _FilterRow({
+    required this.depth,
+    required this.icon,
+    required this.color,
+    required this.name,
+    required this.checked,
+    required this.onToggle,
+    this.onLongPress,
+  });
+
+  final int depth;
+  final IconData icon;
+  final Color color;
+  final String name;
+  final bool checked;
+  final ValueChanged<bool> onToggle;
+  final VoidCallback? onLongPress;
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    return InkWell(
+      onTap: () => onToggle(!checked),
+      onLongPress: onLongPress,
+      child: Padding(
+        padding: EdgeInsets.fromLTRB(8 + depth * 16.0, 2, 4, 2),
+        child: Row(
+          children: [
+            if (depth > 0) ...[
+              Icon(
+                Icons.subdirectory_arrow_right,
+                size: 14,
+                color: colors.onSurfaceVariant,
+              ),
+              const SizedBox(width: 4),
+            ],
+            Icon(icon, size: 18, color: color),
+            const SizedBox(width: 10),
+            Expanded(
+              child: Text(
+                name,
+                style: theme.textTheme.bodyMedium,
+                maxLines: 1,
+                overflow: TextOverflow.ellipsis,
+              ),
+            ),
+            SizedBox(
+              height: 32,
+              width: 32,
+              child: Checkbox(
+                materialTapTargetSize: MaterialTapTargetSize.shrinkWrap,
+                visualDensity: VisualDensity.compact,
+                value: checked,
+                onChanged: (value) => onToggle(value ?? false),
+              ),
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+}

lib/widgets/label_parent_picker.dart

@@ -0,0 +1,207 @@
+/// Dialogs to nest or create labels.
+library;
+
+import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
+
+import '../models/transaction_meta.dart';
+import '../providers/tx_meta_provider.dart';
+
+Future<void> showMoveLabelDialog(
+  BuildContext context, {
+  required TxLabel label,
+}) async {
+  final meta = context.read<TxMetaController>();
+  final parents = meta.validParentsFor(label.id);
+  final currentParent = meta.parentIdOf(label.id);
+
+  final chosen = await showDialog<String?>(
+    context: context,
+    builder: (dialogContext) {
+      final theme = Theme.of(dialogContext);
+      final maxHeight = MediaQuery.sizeOf(dialogContext).height * 0.45;
+      return AlertDialog(
+        title: Text('Move “${label.name}”'),
+        titleTextStyle: theme.textTheme.titleMedium?.copyWith(
+          color: theme.colorScheme.onSurface,
+        ),
+        contentPadding: const EdgeInsets.fromLTRB(16, 8, 16, 0),
+        content: SizedBox(
+          width: double.maxFinite,
+          child: ConstrainedBox(
+            constraints: BoxConstraints(maxHeight: maxHeight),
+            child: ListView(
+              shrinkWrap: true,
+              padding: EdgeInsets.zero,
+              children: [
+                ListTile(
+                  dense: true,
+                  visualDensity: const VisualDensity(
+                    horizontal: -4,
+                    vertical: -3,
+                  ),
+                  contentPadding: const EdgeInsets.symmetric(horizontal: 4),
+                  minLeadingWidth: 28,
+                  leading: Icon(
+                    currentParent == null
+                        ? Icons.check_circle
+                        : Icons.circle_outlined,
+                    size: 18,
+                  ),
+                  title: Text(
+                    'Top level',
+                    style: theme.textTheme.bodyMedium,
+                  ),
+                  onTap: () => Navigator.pop(dialogContext, ''),
+                ),
+                Divider(
+                  height: 1,
+                  color: theme.colorScheme.outlineVariant.withValues(
+                    alpha: 0.5,
+                  ),
+                ),
+                for (final parent in parents)
+                  ListTile(
+                    dense: true,
+                    visualDensity: const VisualDensity(
+                      horizontal: -4,
+                      vertical: -3,
+                    ),
+                    contentPadding: const EdgeInsets.symmetric(horizontal: 4),
+                    minLeadingWidth: 28,
+                    leading: Icon(
+                      parent.id == currentParent
+                          ? Icons.check_circle
+                          : parent.icon,
+                      size: 18,
+                      color: parent.color,
+                    ),
+                    title: Text(
+                      parent.name,
+                      style: theme.textTheme.bodyMedium,
+                      maxLines: 1,
+                      overflow: TextOverflow.ellipsis,
+                    ),
+                    onTap: () => Navigator.pop(dialogContext, parent.id),
+                  ),
+              ],
+            ),
+          ),
+        ),
+        actionsPadding: const EdgeInsets.fromLTRB(12, 4, 12, 8),
+        actions: [
+          TextButton(
+            onPressed: () => Navigator.pop(dialogContext),
+            child: const Text('Cancel'),
+          ),
+        ],
+      );
+    },
+  );
+
+  if (chosen == null || !context.mounted) return;
+  await meta.setLabelParent(label.id, chosen.isEmpty ? null : chosen);
+}
+
+/// Returns name + optional parent, or null if cancelled.
+Future<({String name, String? parentId})?> showCreateLabelDialog(
+  BuildContext context, {
+  required List<TxLabel> parents,
+  String? initialParentId,
+}) {
+  return showDialog<({String name, String? parentId})>(
+    context: context,
+    builder: (context) => _CreateLabelDialog(
+      parents: parents,
+      initialParentId: initialParentId,
+    ),
+  );
+}
+
+class _CreateLabelDialog extends StatefulWidget {
+  const _CreateLabelDialog({
+    required this.parents,
+    this.initialParentId,
+  });
+
+  final List<TxLabel> parents;
+  final String? initialParentId;
+
+  @override
+  State<_CreateLabelDialog> createState() => _CreateLabelDialogState();
+}
+
+class _CreateLabelDialogState extends State<_CreateLabelDialog> {
+  late final TextEditingController _controller;
+  String? _parentId;
+
+  @override
+  void initState() {
+    super.initState();
+    _controller = TextEditingController();
+    _parentId = widget.initialParentId;
+  }
+
+  @override
+  void dispose() {
+    _controller.dispose();
+    super.dispose();
+  }
+
+  void _submit() {
+    final name = _controller.text.trim();
+    if (name.isEmpty) return;
+    Navigator.pop(context, (name: name, parentId: _parentId));
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final parentChoices = List<TxLabel>.of(widget.parents)
+      ..sort((a, b) => a.name.toLowerCase().compareTo(b.name.toLowerCase()));
+
+    return AlertDialog(
+      title: const Text('New label'),
+      content: Column(
+        mainAxisSize: MainAxisSize.min,
+        children: [
+          TextField(
+            controller: _controller,
+            autofocus: true,
+            textCapitalization: TextCapitalization.sentences,
+            decoration: const InputDecoration(hintText: 'e.g. Supermarket'),
+            onSubmitted: (_) => _submit(),
+          ),
+          const SizedBox(height: 12),
+          DropdownButtonFormField<String?>(
+            initialValue: _parentId,
+            decoration: const InputDecoration(
+              labelText: 'Under label (optional)',
+            ),
+            items: [
+              const DropdownMenuItem<String?>(
+                value: null,
+                child: Text('Top level'),
+              ),
+              for (final parent in parentChoices)
+                DropdownMenuItem<String?>(
+                  value: parent.id,
+                  child: Text(parent.name),
+                ),
+            ],
+            onChanged: (value) => setState(() => _parentId = value),
+          ),
+        ],
+      ),
+      actions: [
+        TextButton(
+          onPressed: () => Navigator.pop(context),
+          child: const Text('Cancel'),
+        ),
+        FilledButton(
+          onPressed: _submit,
+          child: const Text('Create'),
+        ),
+      ],
+    );
+  }
+}

lib/widgets/skip_build_when_covered.dart

@@ -0,0 +1,59 @@
+/// Skips building while another route covers this one, then rebuilds on pop.
+library;
+
+import 'package:flutter/material.dart';
+
+/// Shared observer — register on [MaterialApp.navigatorObservers].
+final RouteObserver<ModalRoute<void>> appRouteObserver =
+    RouteObserver<ModalRoute<void>>();
+
+/// Builds via [builder] only when this route is not covered by a pushed page.
+class SkipBuildWhenCovered extends StatefulWidget {
+  const SkipBuildWhenCovered({
+    super.key,
+    required this.builder,
+    this.placeholder = const SizedBox.expand(),
+  });
+
+  final WidgetBuilder builder;
+  final Widget placeholder;
+
+  @override
+  State<SkipBuildWhenCovered> createState() => _SkipBuildWhenCoveredState();
+}
+
+class _SkipBuildWhenCoveredState extends State<SkipBuildWhenCovered>
+    with RouteAware {
+  var _covered = false;
+
+  @override
+  void didChangeDependencies() {
+    super.didChangeDependencies();
+    final route = ModalRoute.of(context);
+    if (route is PageRoute) {
+      appRouteObserver.subscribe(this, route);
+    }
+  }
+
+  @override
+  void dispose() {
+    appRouteObserver.unsubscribe(this);
+    super.dispose();
+  }
+
+  @override
+  void didPushNext() {
+    if (!_covered) setState(() => _covered = true);
+  }
+
+  @override
+  void didPopNext() {
+    if (_covered) setState(() => _covered = false);
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    if (_covered) return widget.placeholder;
+    return widget.builder(context);
+  }
+}

test/widget_test.dart

@@ -1,3 +1,4 @@
+import 'package:flutter/material.dart';
 import 'package:flutter_test/flutter_test.dart';
 import 'package:myapp/main.dart';
 import 'package:myapp/models/bank.dart';
@@ -51,13 +52,62 @@ void main() {
       'pending': false,
     });
     expect(tx.descriptionKey, contains('pasvolgnr'));
-    expect(tx.merchantKey, contains('ah campus diemen'));
+    expect(tx.merchantKey, 'ah campus');
     expect(tx.merchantKey.contains('pasvolgnr'), isFalse);
     expect(tx.exactKey, contains('-3.5'));
     expect(formatMoney(tx.amount, tx.currency), contains('EUR'));
     expect(kBuiltinLabels.first.name, 'Groceries');
   });
 
+  test('merchant stems group Albert Heijn / AH across stores', () {
+    final a = merchantKeyFromDescription('Albert Heijn 1562 Utrecht NLD');
+    final b = merchantKeyFromDescription('ALBERT HEIJN 1847 AMSTERDAM');
+    final c = merchantKeyFromDescription(
+      'BCK*AH CAMPUS DIEMEN ZUID NLD Pasvolgnr: 001 Transactie: X',
+    );
+    final d = merchantKeyFromDescription('AH CAMPUS AMSTERDAM NLD');
+    expect(a, 'albert heijn');
+    expect(b, 'albert heijn');
+    expect(c, 'ah campus');
+    expect(d, 'ah campus');
+    expect(descriptionMatchesPattern('Albert Heijn 1562 Utrecht', a), isTrue);
+    expect(
+      descriptionMatchesPattern('Jumbo City Centrum', a),
+      isFalse,
+    );
+    expect(
+      descriptionMatchesPattern('AH CAMPUS DIEMEN', '/ah campus/'),
+      isTrue,
+    );
+  });
+
+  test('flattenLabelTree indents children under parents', () {
+    const parent = TxLabel(
+      id: 'groceries',
+      name: 'Groceries',
+      color: Color(0xFF16A34A),
+    );
+    const child = TxLabel(
+      id: 'custom_ah',
+      name: 'Albert Heijn',
+      color: Color(0xFF0F766E),
+      custom: true,
+      parentId: 'groceries',
+    );
+    const other = TxLabel(
+      id: 'dining',
+      name: 'Dining',
+      color: Color(0xFFEA580C),
+    );
+    final tree = flattenLabelTree([child, other, parent]);
+    expect(tree.map((e) => e.label.id).toList(), [
+      'dining',
+      'groceries',
+      'custom_ah',
+    ]);
+    expect(tree.map((e) => e.depth).toList(), [0, 0, 1]);
+  });
+
   test('look-ahead applies monthly recurring amounts', () {
     final items = [
       const RecurringItem(