ok for now

lib/utils/constants.dart

@@ -40,6 +40,8 @@ const String kBankRedirectUri = '$kBankRedirectScheme://$kBankRedirectHost';
 abstract final class StorageKeys {
   static const themeMode = 'theme_mode';
   static const useRemoteData = 'use_remote_data';
+  static const txMeta = 'tx_meta_v2';
+  static const txMetaLegacy = 'tx_meta_v1';
 }
 
 /// Named routes registered on [MaterialApp].

lib/utils/helpers.dart

@@ -78,6 +78,25 @@ String formatMoney(double amount, String currency) {
   return '$sign${buffer.toString()},$fraction $currency';
 }
 
+/// Formats [date] as `MMMM y`, e.g. `September 2026`.
+String formatMonthYear(DateTime date) {
+  const months = [
+    'January',
+    'February',
+    'March',
+    'April',
+    'May',
+    'June',
+    'July',
+    'August',
+    'September',
+    'October',
+    'November',
+    'December',
+  ];
+  return '${months[date.month - 1]} ${date.year}';
+}
+
 /// Formats an ISO date string (`yyyy-MM-dd` or full ISO) for list rows.
 String formatIsoDate(String raw) {
   if (raw.isEmpty) return '';

lib/utils/look_ahead.dart

@@ -0,0 +1,105 @@
+/// Project future balances from recurring transactions.
+library;
+
+import '../models/bank.dart';
+import '../models/transaction_meta.dart';
+import 'tx_calendar.dart';
+
+/// One monthly recurring item used for look-ahead forecasts.
+class RecurringItem {
+  const RecurringItem({
+    required this.description,
+    required this.amount,
+    required this.currency,
+    required this.dayOfMonth,
+    required this.category,
+  });
+
+  final String description;
+  final double amount;
+  final String currency;
+  final int dayOfMonth;
+  final TxCategory category;
+}
+
+/// Build unique recurring templates from annotated transactions.
+List<RecurringItem> recurringItemsFrom({
+  required List<BankTransaction> transactions,
+  required TxMeta Function(BankTransaction tx) metaFor,
+}) {
+  final latestByExact = <String, BankTransaction>{};
+  for (final tx in transactions) {
+    final meta = metaFor(tx);
+    if (!meta.recurring) continue;
+    final existing = latestByExact[tx.exactKey];
+    if (existing == null) {
+      latestByExact[tx.exactKey] = tx;
+      continue;
+    }
+    final existingDate = DateTime.tryParse(existing.date);
+    final nextDate = DateTime.tryParse(tx.date);
+    if (existingDate == null ||
+        (nextDate != null && nextDate.isAfter(existingDate))) {
+      latestByExact[tx.exactKey] = tx;
+    }
+  }
+
+  return [
+    for (final tx in latestByExact.values)
+      RecurringItem(
+        description: tx.description,
+        amount: tx.amount,
+        currency: tx.currency,
+        dayOfMonth: (DateTime.tryParse(tx.date)?.day ?? 1).clamp(1, 28),
+        category: metaFor(tx).category,
+      ),
+  ];
+}
+
+/// Occurrences of [items] with dates in `(from, to]` (exclusive start, inclusive end).
+List<({RecurringItem item, DateTime date})> projectedOccurrences({
+  required List<RecurringItem> items,
+  required DateTime from,
+  required DateTime to,
+}) {
+  final start = dateOnly(from);
+  final end = dateOnly(to);
+  if (!end.isAfter(start)) return const [];
+
+  final out = <({RecurringItem item, DateTime date})>[];
+  var cursor = monthStart(start);
+  final lastMonth = monthStart(end);
+
+  while (!cursor.isAfter(lastMonth)) {
+    final daysInMonth = DateTime(cursor.year, cursor.month + 1, 0).day;
+    for (final item in items) {
+      final day = item.dayOfMonth.clamp(1, daysInMonth);
+      final date = DateTime(cursor.year, cursor.month, day);
+      if (date.isAfter(start) && !date.isAfter(end)) {
+        out.add((item: item, date: date));
+      }
+    }
+    cursor = addMonths(cursor, 1);
+  }
+
+  out.sort((a, b) => a.date.compareTo(b.date));
+  return out;
+}
+
+/// Current balance plus projected recurring amounts through [throughDate].
+double predictBalance({
+  required double currentBalance,
+  required DateTime from,
+  required DateTime throughDate,
+  required List<RecurringItem> items,
+}) {
+  final projected = projectedOccurrences(
+    items: items,
+    from: from,
+    to: throughDate,
+  );
+  return projected.fold<double>(
+    currentBalance,
+    (sum, row) => sum + row.item.amount,
+  );
+}

lib/utils/navigation.dart

@@ -0,0 +1,30 @@
+/// Shared helpers to open Settings from app bars.
+library;
+
+import 'package:flutter/material.dart';
+
+import '../screens/settings_screen.dart';
+
+List<Widget> bankAppBarActions({
+  required BuildContext context,
+  VoidCallback? onRefresh,
+  bool refreshing = false,
+}) {
+  return [
+    if (onRefresh != null)
+      IconButton(
+        tooltip: 'Refresh',
+        onPressed: refreshing ? null : onRefresh,
+        icon: const Icon(Icons.refresh),
+      ),
+    IconButton(
+      tooltip: 'Settings',
+      onPressed: () {
+        Navigator.of(context).push(
+          MaterialPageRoute<void>(builder: (_) => const SettingsScreen()),
+        );
+      },
+      icon: const Icon(Icons.settings_outlined),
+    ),
+  ];
+}

lib/utils/tx_calendar.dart

@@ -0,0 +1,48 @@
+/// Month-grid helpers for the transactions heatmap.
+library;
+
+DateTime dateOnly(DateTime date) => DateTime(date.year, date.month, date.day);
+
+DateTime monthStart(DateTime date) => DateTime(date.year, date.month);
+
+bool isSameDay(DateTime a, DateTime b) =>
+    a.year == b.year && a.month == b.month && a.day == b.day;
+
+bool isSameMonth(DateTime a, DateTime b) =>
+    a.year == b.year && a.month == b.month;
+
+DateTime addMonths(DateTime month, int delta) =>
+    DateTime(month.year, month.month + delta);
+
+/// Monday-first calendar cells for [month], padded with nulls to full weeks.
+List<DateTime?> monthGrid(DateTime month) {
+  final start = DateTime(month.year, month.month, 1);
+  final daysInMonth = DateTime(month.year, month.month + 1, 0).day;
+  final leading = start.weekday - DateTime.monday;
+  final cells = <DateTime?>[
+    ...List<DateTime?>.filled(leading, null),
+    for (var day = 1; day <= daysInMonth; day++)
+      DateTime(month.year, month.month, day),
+  ];
+  while (cells.length % 7 != 0) {
+    cells.add(null);
+  }
+  return cells;
+}
+
+/// How many transactions landed on each calendar day.
+Map<DateTime, int> txCountsByDay(Iterable<DateTime> dates) {
+  final counts = <DateTime, int>{};
+  for (final date in dates) {
+    final key = dateOnly(date);
+    counts[key] = (counts[key] ?? 0) + 1;
+  }
+  return counts;
+}
+
+/// GitHub-style 0–4 intensity from a transaction count.
+int heatmapLevel(int count) {
+  if (count <= 0) return 0;
+  if (count >= 4) return 4;
+  return count;
+}