ok for now

lib/main.dart

@@ -9,6 +9,7 @@ import 'package:provider/provider.dart';
 
 import 'providers/bank_provider.dart';
 import 'providers/theme_provider.dart';
+import 'providers/tx_meta_provider.dart';
 import 'screens/splash_screen.dart';
 import 'services/storage_service.dart';
 import 'utils/app_theme.dart';
@@ -79,6 +80,7 @@ class _MyAppState extends State<MyApp> {
     return MultiProvider(
       providers: [
         ChangeNotifierProvider(create: (_) => ThemeController(widget.storage)),
+        ChangeNotifierProvider(create: (_) => TxMetaController(widget.storage)),
         ChangeNotifierProvider<BankController>.value(value: _bank),
       ],
       child: const _MaterialRoot(),

lib/models/bank.dart

@@ -94,6 +94,16 @@ class BankTransaction {
   final String currency;
   final bool pending;
 
+  /// Stable local key used for per-occurrence annotations.
+  String get id => '$date|$currency|$amount|$description';
+
+  /// Match key for auto-category (same merchant / description).
+  String get descriptionKey =>
+      description.trim().toLowerCase().replaceAll(RegExp(r'\s+'), ' ');
+
+  /// Exact match for copying notes (same description + amount + currency).
+  String get exactKey => '$descriptionKey|$amount|$currency';
+
   factory BankTransaction.fromJson(Map<String, dynamic> json) {
     final rawAmount = json['amount'];
     final amount = switch (rawAmount) {

lib/models/transaction_meta.dart

@@ -0,0 +1,135 @@
+/// Local transaction categories and per-transaction annotations.
+library;
+
+import 'package:flutter/material.dart';
+
+/// User-facing spend / income categories (stored locally, not on the bank API).
+enum TxCategory {
+  uncategorized,
+  groceries,
+  energy,
+  salary,
+  mortgage,
+  transport,
+  dining,
+  shopping,
+  health,
+  transfer,
+  other,
+}
+
+extension TxCategoryX on TxCategory {
+  String get label => switch (this) {
+        TxCategory.uncategorized => 'Uncategorized',
+        TxCategory.groceries => 'Groceries',
+        TxCategory.energy => 'Energy',
+        TxCategory.salary => 'Salary',
+        TxCategory.mortgage => 'Mortgage',
+        TxCategory.transport => 'Transport',
+        TxCategory.dining => 'Dining',
+        TxCategory.shopping => 'Shopping',
+        TxCategory.health => 'Health',
+        TxCategory.transfer => 'Transfer',
+        TxCategory.other => 'Other',
+      };
+
+  IconData get icon => switch (this) {
+        TxCategory.uncategorized => Icons.label_outline,
+        TxCategory.groceries => Icons.shopping_cart_outlined,
+        TxCategory.energy => Icons.bolt_outlined,
+        TxCategory.salary => Icons.payments_outlined,
+        TxCategory.mortgage => Icons.home_work_outlined,
+        TxCategory.transport => Icons.directions_bus_outlined,
+        TxCategory.dining => Icons.restaurant_outlined,
+        TxCategory.shopping => Icons.shopping_bag_outlined,
+        TxCategory.health => Icons.local_hospital_outlined,
+        TxCategory.transfer => Icons.swap_horiz,
+        TxCategory.other => Icons.more_horiz,
+      };
+
+  Color get color => switch (this) {
+        TxCategory.uncategorized => const Color(0xFF64748B),
+        TxCategory.groceries => const Color(0xFF16A34A),
+        TxCategory.energy => const Color(0xFFEAB308),
+        TxCategory.salary => const Color(0xFF0F766E),
+        TxCategory.mortgage => const Color(0xFF7C3AED),
+        TxCategory.transport => const Color(0xFF2563EB),
+        TxCategory.dining => const Color(0xFFEA580C),
+        TxCategory.shopping => const Color(0xFFDB2777),
+        TxCategory.health => const Color(0xFFDC2626),
+        TxCategory.transfer => const Color(0xFF0891B2),
+        TxCategory.other => const Color(0xFF57534E),
+      };
+
+  static TxCategory fromName(String? name) {
+    if (name == null || name.isEmpty) return TxCategory.uncategorized;
+    return TxCategory.values.firstWhere(
+      (c) => c.name == name,
+      orElse: () => TxCategory.uncategorized,
+    );
+  }
+}
+
+/// Local overlay for a bank transaction.
+class TxMeta {
+  const TxMeta({
+    this.category = TxCategory.uncategorized,
+    this.recurring = false,
+    this.notes = '',
+  });
+
+  final TxCategory category;
+  final bool recurring;
+  final String notes;
+
+  static const empty = TxMeta();
+
+  bool get hasCategory => category != TxCategory.uncategorized;
+  bool get hasNotes => notes.trim().isNotEmpty;
+
+  TxMeta copyWith({
+    TxCategory? category,
+    bool? recurring,
+    String? notes,
+  }) {
+    return TxMeta(
+      category: category ?? this.category,
+      recurring: recurring ?? this.recurring,
+      notes: notes ?? this.notes,
+    );
+  }
+
+  Map<String, dynamic> toJson() => {
+        'category': category.name,
+        'recurring': recurring,
+        'notes': notes,
+      };
+
+  factory TxMeta.fromJson(Map<String, dynamic> json) {
+    return TxMeta(
+      category: TxCategoryX.fromName(json['category'] as String?),
+      recurring: json['recurring'] as bool? ?? false,
+      notes: json['notes'] as String? ?? '',
+    );
+  }
+}
+
+/// Notes / recurring template keyed by exact merchant+amount match.
+class TxExactTemplate {
+  const TxExactTemplate({this.notes = '', this.recurring = false});
+
+  final String notes;
+  final bool recurring;
+
+  Map<String, dynamic> toJson() => {
+        'notes': notes,
+        'recurring': recurring,
+      };
+
+  factory TxExactTemplate.fromJson(Map<String, dynamic> json) {
+    return TxExactTemplate(
+      notes: json['notes'] as String? ?? '',
+      recurring: json['recurring'] as bool? ?? false,
+    );
+  }
+}

lib/providers/tx_meta_provider.dart

@@ -0,0 +1,185 @@
+/// Local category / notes / recurring annotations for bank transactions.
+library;
+
+import 'package:flutter/foundation.dart';
+
+import '../models/bank.dart';
+import '../models/transaction_meta.dart';
+import '../services/storage_service.dart';
+
+class TxMetaController extends ChangeNotifier {
+  TxMetaController(this._storage) {
+    final loaded = _storage.loadTxMetaStore();
+    _byId = Map.of(loaded.byId);
+    _categoryByDescription = Map.of(loaded.categoryByDescription);
+    _exactTemplates = Map.of(loaded.exactTemplates);
+  }
+
+  final StorageService _storage;
+
+  Map<String, TxMeta> _byId = {};
+  Map<String, TxCategory> _categoryByDescription = {};
+  Map<String, TxExactTemplate> _exactTemplates = {};
+
+  /// Resolved meta: per-id overrides + inherited category / notes rules.
+  TxMeta metaFor(BankTransaction tx) {
+    final stored = _byId[tx.id];
+    final template = _exactTemplates[tx.exactKey];
+    final inheritedCategory = _categoryByDescription[tx.descriptionKey];
+
+    final category = stored != null && stored.hasCategory
+        ? stored.category
+        : (inheritedCategory ?? TxCategory.uncategorized);
+
+    final notes = stored != null && stored.hasNotes
+        ? stored.notes
+        : (template?.notes ?? '');
+
+    final recurring = stored?.recurring ?? template?.recurring ?? false;
+
+    return TxMeta(
+      category: category,
+      notes: notes,
+      recurring: recurring,
+    );
+  }
+
+  Future<void> setCategory(BankTransaction tx, TxCategory category) async {
+    final current = metaFor(tx);
+    _byId = {
+      ..._byId,
+      tx.id: current.copyWith(category: category),
+    };
+    if (category == TxCategory.uncategorized) {
+      _categoryByDescription = Map.of(_categoryByDescription)
+        ..remove(tx.descriptionKey);
+    } else {
+      _categoryByDescription = {
+        ..._categoryByDescription,
+        tx.descriptionKey: category,
+      };
+    }
+    await _persist();
+  }
+
+  Future<void> setRecurring(BankTransaction tx, bool recurring) async {
+    final current = metaFor(tx);
+    _byId = {
+      ..._byId,
+      tx.id: current.copyWith(recurring: recurring),
+    };
+    final existing = _exactTemplates[tx.exactKey] ?? const TxExactTemplate();
+    _exactTemplates = {
+      ..._exactTemplates,
+      tx.exactKey: TxExactTemplate(
+        notes: existing.notes.isNotEmpty ? existing.notes : current.notes,
+        recurring: recurring,
+      ),
+    };
+    await _persist();
+  }
+
+  Future<void> setNotes(BankTransaction tx, String notes) async {
+    final trimmed = notes.trim();
+    final current = metaFor(tx);
+    _byId = {
+      ..._byId,
+      tx.id: current.copyWith(notes: trimmed),
+    };
+    final existing = _exactTemplates[tx.exactKey] ?? const TxExactTemplate();
+    if (trimmed.isEmpty && !existing.recurring && !current.recurring) {
+      _exactTemplates = Map.of(_exactTemplates)..remove(tx.exactKey);
+    } else {
+      _exactTemplates = {
+        ..._exactTemplates,
+        tx.exactKey: TxExactTemplate(
+          notes: trimmed,
+          recurring: existing.recurring || current.recurring,
+        ),
+      };
+    }
+    await _persist();
+  }
+
+  Future<void> toggleRecurring(BankTransaction tx) {
+    return setRecurring(tx, !metaFor(tx).recurring);
+  }
+
+  /// Search description, notes, category label, and date.
+  /// Optional [categories] require a matching category when non-empty.
+  List<BankTransaction> search(
+    List<BankTransaction> txs,
+    String query, {
+    Set<TxCategory> categories = const {},
+  }) {
+    final needle = query.trim().toLowerCase();
+    final hasText = needle.isNotEmpty;
+    final hasCats = categories.isNotEmpty;
+    if (!hasText && !hasCats) return txs;
+
+    return txs.where((tx) {
+      final meta = metaFor(tx);
+      if (hasCats && !categories.contains(meta.category)) return false;
+      if (!hasText) return true;
+      return tx.description.toLowerCase().contains(needle) ||
+          meta.notes.toLowerCase().contains(needle) ||
+          meta.category.label.toLowerCase().contains(needle) ||
+          tx.date.toLowerCase().contains(needle) ||
+          tx.amount.toString().contains(needle);
+    }).toList(growable: false);
+  }
+
+  /// Categories currently used by [transactions] (excluding uncategorized).
+  List<TxCategory> usedCategories(List<BankTransaction> transactions) {
+    final found = <TxCategory>{};
+    for (final tx in transactions) {
+      final category = metaFor(tx).category;
+      if (category != TxCategory.uncategorized) found.add(category);
+    }
+    final list = found.toList()
+      ..sort((a, b) => a.label.compareTo(b.label));
+    return list;
+  }
+
+  Future<void> _persist() async {
+    notifyListeners();
+    await _storage.saveTxMetaStore(
+      TxMetaStoreData(
+        byId: _byId,
+        categoryByDescription: _categoryByDescription,
+        exactTemplates: _exactTemplates,
+      ),
+    );
+  }
+
+  /// Absolute spend (outflows only) grouped by category.
+  Map<TxCategory, double> spendByCategory(List<BankTransaction> txs) {
+    final totals = <TxCategory, double>{};
+    for (final tx in txs) {
+      if (tx.amount >= 0) continue;
+      final category = metaFor(tx).category;
+      totals[category] = (totals[category] ?? 0) + tx.amount.abs();
+    }
+    return totals;
+  }
+
+  /// Absolute spend grouped by calendar month key `yyyy-MM`.
+  Map<String, double> spendByMonth(List<BankTransaction> txs) {
+    final totals = <String, double>{};
+    for (final tx in txs) {
+      if (tx.amount >= 0) continue;
+      final key = _monthKey(tx.date);
+      if (key == null) continue;
+      totals[key] = (totals[key] ?? 0) + tx.amount.abs();
+    }
+    final keys = totals.keys.toList()..sort();
+    return {for (final key in keys) key: totals[key]!};
+  }
+
+  String? _monthKey(String raw) {
+    final parsed = DateTime.tryParse(raw);
+    if (parsed == null) return null;
+    final m = parsed.month.toString().padLeft(2, '0');
+    return '${parsed.year}-$m';
+  }
+}

lib/screens/balance_screen.dart

@@ -1,172 +0,0 @@
-/// Balance tab: connect bank CTA, current balance, and refresh.
-library;
-
-import 'package:flutter/material.dart';
-import 'package:provider/provider.dart';
-
-import '../providers/bank_provider.dart';
-import '../utils/connect_bank.dart';
-import '../utils/helpers.dart';
-import '../widgets/empty_state.dart';
-import '../widgets/loading_view.dart';
-import '../widgets/responsive_body.dart';
-
-class BalanceScreen extends StatelessWidget {
-  const BalanceScreen({super.key});
-
-  @override
-  Widget build(BuildContext context) {
-    final bank = context.watch<BankController>();
-
-    return Scaffold(
-      appBar: AppBar(
-        title: const Text('Balance'),
-        actions: [
-          IconButton(
-            tooltip: 'Refresh',
-            onPressed: bank.isLoading ? null : bank.refresh,
-            icon: const Icon(Icons.refresh),
-          ),
-        ],
-      ),
-      body: RefreshIndicator(
-        onRefresh: bank.refresh,
-        child: ResponsiveBody(
-          child: _BalanceBody(bank: bank),
-        ),
-      ),
-    );
-  }
-}
-
-class _BalanceBody extends StatelessWidget {
-  const _BalanceBody({required this.bank});
-
-  final BankController bank;
-
-  @override
-  Widget build(BuildContext context) {
-    if (bank.isLoading && bank.balance == null && !bank.isLinked) {
-      return const LoadingView(message: 'Checking bank link…');
-    }
-
-    if (!bank.isLinked) {
-      return ListView(
-        physics: const AlwaysScrollableScrollPhysics(),
-        children: [
-          EmptyState(
-            icon: Icons.account_balance_outlined,
-            title: 'Bank not linked',
-            message: bank.error ??
-                'Connect opens a sandbox bank login in-app. '
-                'Stay in that WebView until it returns here. '
-                'You should then see a balance and transactions.',
-            actionLabel: bank.isConnecting ? 'Opening…' : 'Connect bank',
-            onAction: () => runConnectBank(context, bank),
-          ),
-        ],
-      );
-    }
-
-    if (bank.error != null && bank.balance == null) {
-      return ListView(
-        physics: const AlwaysScrollableScrollPhysics(),
-        children: [
-          EmptyState(
-            icon: Icons.error_outline,
-            title: 'Could not load balance',
-            message: bank.error!,
-            actionLabel: 'Retry',
-            onAction: bank.refresh,
-          ),
-        ],
-      );
-    }
-
-    final balance = bank.balance;
-    final theme = Theme.of(context);
-    final colors = theme.colorScheme;
-
-    return ListView(
-      physics: const AlwaysScrollableScrollPhysics(),
-      padding: const EdgeInsets.only(top: 8, bottom: 32),
-      children: [
-        Container(
-          width: double.infinity,
-          padding: const EdgeInsets.all(24),
-          decoration: BoxDecoration(
-            borderRadius: BorderRadius.circular(20),
-            gradient: LinearGradient(
-              colors: [colors.primary, colors.tertiary],
-            ),
-            boxShadow: [
-              BoxShadow(
-                color: colors.primary.withValues(alpha: 0.28),
-                blurRadius: 20,
-                offset: const Offset(0, 10),
-              ),
-            ],
-          ),
-          child: Column(
-            crossAxisAlignment: CrossAxisAlignment.start,
-            children: [
-              Text(
-                'Current balance',
-                style: theme.textTheme.labelMedium?.copyWith(
-                  color: colors.onPrimary.withValues(alpha: 0.8),
-                ),
-              ),
-              const SizedBox(height: 8),
-              Text(
-                balance == null
-                    ? '—'
-                    : formatMoney(balance.amount, balance.currency),
-                style: theme.textTheme.headlineMedium?.copyWith(
-                  color: colors.onPrimary,
-                ),
-              ),
-              if (balance?.balanceType != null) ...[
-                const SizedBox(height: 8),
-                Text(
-                  balance!.balanceType!,
-                  style: theme.textTheme.labelMedium?.copyWith(
-                    color: colors.onPrimary.withValues(alpha: 0.75),
-                  ),
-                ),
-              ],
-            ],
-          ),
-        ),
-        const SizedBox(height: 20),
-        ListTile(
-          contentPadding: EdgeInsets.zero,
-          leading: Icon(
-            Icons.check_circle_outline,
-            color: colors.primary,
-          ),
-          title: const Text('Linked'),
-          subtitle: Text(
-            bank.status.accountId == null
-                ? bank.status.status
-                : 'Account ${bank.status.accountId}',
-          ),
-        ),
-        if (bank.error != null) ...[
-          const SizedBox(height: 8),
-          Text(
-            bank.error!,
-            style: theme.textTheme.bodyMedium?.copyWith(color: colors.error),
-          ),
-        ],
-        const SizedBox(height: 12),
-        OutlinedButton.icon(
-          onPressed: bank.isConnecting
-              ? null
-              : () => runConnectBank(context, bank),
-          icon: const Icon(Icons.link),
-          label: Text(bank.isConnecting ? 'Opening…' : 'Reconnect bank'),
-        ),
-      ],
-    );
-  }
-}

lib/screens/home_screen.dart

@@ -1,39 +1,41 @@
-/// Home tab: greeting, stats, and a [ListView.builder] of catalog items.
+/// Home: balance overview; tap balance to open transactions.
 library;
 
 import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
-import '../providers/item_provider.dart';
+import '../models/transaction_meta.dart';
+import '../providers/bank_provider.dart';
+import '../providers/tx_meta_provider.dart';
+import '../utils/connect_bank.dart';
+import '../utils/helpers.dart';
+import '../utils/navigation.dart';
 import '../widgets/empty_state.dart';
-import '../widgets/item_card.dart';
 import '../widgets/loading_view.dart';
 import '../widgets/responsive_body.dart';
-import 'add_item_screen.dart';
+import 'transaction_detail_screen.dart';
+import 'transactions_screen.dart';
 
 class HomeScreen extends StatelessWidget {
   const HomeScreen({super.key});
 
   @override
   Widget build(BuildContext context) {
-    final controller = context.watch<ItemController>();
+    final bank = context.watch<BankController>();
-    final theme = Theme.of(context);
 
     return Scaffold(
-      appBar: AppBar(title: const Text('Home')),
+      appBar: AppBar(
-      floatingActionButton: FloatingActionButton.extended(
+        title: const Text('Home'),
-        onPressed: () {
+        actions: bankAppBarActions(
-          Navigator.of(context).push(
+          context: context,
-            MaterialPageRoute<void>(builder: (_) => const AddItemScreen()),
+          onRefresh: bank.refresh,
-          );
+          refreshing: bank.isLoading,
-        },
+        ),
-        icon: const Icon(Icons.add),
-        label: const Text('Add item'),
       ),
       body: RefreshIndicator(
-        onRefresh: controller.loadItems,
+        onRefresh: bank.refresh,
         child: ResponsiveBody(
-          child: _HomeBody(controller: controller, theme: theme),
+          child: _HomeBody(bank: bank),
         ),
       ),
     );
@@ -41,142 +43,209 @@ class HomeScreen extends StatelessWidget {
 }
 
 class _HomeBody extends StatelessWidget {
-  const _HomeBody({
+  const _HomeBody({required this.bank});
-    required this.controller,
-    required this.theme,
-  });
 
-  final ItemController controller;
+  final BankController bank;
-  final ThemeData theme;
+
+  void _openTransactions(BuildContext context) {
+    Navigator.of(context).push(
+      MaterialPageRoute<void>(builder: (_) => const TransactionsScreen()),
+    );
+  }
 
   @override
   Widget build(BuildContext context) {
-    if (controller.isLoading && controller.items.isEmpty) {
+    if (bank.isLoading && bank.balance == null && !bank.isLinked) {
-      return const LoadingView(message: 'Fetching catalog…');
+      return const LoadingView(message: 'Checking bank link…');
     }
 
-    if (controller.error != null && controller.items.isEmpty) {
+    if (!bank.isLinked) {
+      return ListView(
+        physics: const AlwaysScrollableScrollPhysics(),
+        children: [
+          EmptyState(
+            icon: Icons.account_balance_outlined,
+            title: 'Bank not linked',
+            message: bank.error ??
+                'Connect your bank to see balance and categorize spending.',
+            actionLabel: bank.isConnecting ? 'Opening…' : 'Connect bank',
+            onAction: () => runConnectBank(context, bank),
+          ),
+        ],
+      );
+    }
+
+    if (bank.error != null && bank.balance == null) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: [
           EmptyState(
             icon: Icons.error_outline,
-            title: 'Something went wrong',
+            title: 'Could not load balance',
-            message: controller.error!,
+            message: bank.error!,
             actionLabel: 'Retry',
-            onAction: controller.loadItems,
+            onAction: bank.refresh,
           ),
         ],
       );
     }
 
-    if (controller.items.isEmpty) {
+    final balance = bank.balance;
-      return ListView(
-        physics: const AlwaysScrollableScrollPhysics(),
-        children: const [
-          EmptyState(
-            icon: Icons.inbox_outlined,
-            title: 'No items yet',
-            message: 'Add your first item with the button below.',
-          ),
-        ],
-      );
-    }
-
-    // Header occupies the first slot; remaining slots are catalog cards.
-    return ListView.builder(
-      physics: const AlwaysScrollableScrollPhysics(),
-      padding: const EdgeInsets.only(top: 8, bottom: 96),
-      itemCount: controller.items.length + 1,
-      itemBuilder: (context, index) {
-        if (index == 0) {
-          return Column(
-            crossAxisAlignment: CrossAxisAlignment.start,
-            children: [
-              _WelcomeBanner(itemCount: controller.count),
-              const SizedBox(height: 20),
-              Text('Featured items', style: theme.textTheme.titleMedium),
-              const SizedBox(height: 12),
-            ],
-          );
-        }
-
-        final item = controller.items[index - 1];
-        return Padding(
-          padding: const EdgeInsets.only(bottom: 12),
-          child: ItemCard(item: item, heroScope: 'home'),
-        );
-      },
-    );
-  }
-}
-
-class _WelcomeBanner extends StatelessWidget {
-  const _WelcomeBanner({required this.itemCount});
-
-  final int itemCount;
-
-  @override
-  Widget build(BuildContext context) {
     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
+        .where((tx) => meta.metaFor(tx).hasCategory)
+        .length;
 
-    return Container(
+    return ListView(
-      width: double.infinity,
+      physics: const AlwaysScrollableScrollPhysics(),
-      padding: const EdgeInsets.all(20),
+      padding: const EdgeInsets.only(top: 8, bottom: 32),
-      decoration: BoxDecoration(
+      children: [
-        borderRadius: BorderRadius.circular(20),
+        Material(
-        gradient: LinearGradient(
+          color: Colors.transparent,
-          colors: [colors.primary, colors.tertiary],
+          child: InkWell(
+            borderRadius: BorderRadius.circular(20),
+            onTap: () => _openTransactions(context),
+            child: Ink(
+              width: double.infinity,
+              padding: const EdgeInsets.all(24),
+              decoration: BoxDecoration(
+                borderRadius: BorderRadius.circular(20),
+                gradient: LinearGradient(
+                  colors: [colors.primary, colors.tertiary],
+                ),
+                boxShadow: [
+                  BoxShadow(
+                    color: colors.primary.withValues(alpha: 0.28),
+                    blurRadius: 20,
+                    offset: const Offset(0, 10),
+                  ),
+                ],
+              ),
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Text(
+                    'Current balance',
+                    style: theme.textTheme.labelMedium?.copyWith(
+                      color: colors.onPrimary.withValues(alpha: 0.8),
+                    ),
+                  ),
+                  const SizedBox(height: 8),
+                  Text(
+                    balance == null
+                        ? '—'
+                        : formatMoney(balance.amount, balance.currency),
+                    style: theme.textTheme.headlineMedium?.copyWith(
+                      color: colors.onPrimary,
+                    ),
+                  ),
+                  const SizedBox(height: 12),
+                  Row(
+                    children: [
+                      Icon(
+                        Icons.receipt_long,
+                        size: 16,
+                        color: colors.onPrimary.withValues(alpha: 0.9),
+                      ),
+                      const SizedBox(width: 6),
+                      Expanded(
+                        child: Text(
+                          'Tap to view transactions',
+                          style: theme.textTheme.labelMedium?.copyWith(
+                            color: colors.onPrimary.withValues(alpha: 0.9),
+                          ),
+                        ),
+                      ),
+                      Icon(
+                        Icons.chevron_right,
+                        color: colors.onPrimary.withValues(alpha: 0.9),
+                      ),
+                    ],
+                  ),
+                ],
+              ),
+            ),
+          ),
         ),
-        boxShadow: [
+        const SizedBox(height: 20),
-          BoxShadow(
+        Row(
-            color: colors.primary.withValues(alpha: 0.28),
+          children: [
-            blurRadius: 20,
+            Expanded(
-            offset: const Offset(0, 10),
+              child: _StatChip(
-          ),
+                label: 'Transactions',
-        ],
+                value: '${bank.transactions.length}',
-      ),
+                icon: Icons.list_alt,
-      child: Column(
+              ),
-        crossAxisAlignment: CrossAxisAlignment.start,
-        children: [
-          Text(
-            'Welcome back',
-            style: theme.textTheme.labelMedium?.copyWith(
-              color: colors.onPrimary.withValues(alpha: 0.8),
             ),
-          ),
+            const SizedBox(width: 10),
-          const SizedBox(height: 4),
+            Expanded(
-          Text(
+              child: _StatChip(
-            'Your catalog at a glance',
+                label: 'Categorized',
-            style: theme.textTheme.headlineMedium?.copyWith(
+                value: '$categorized',
-              color: colors.onPrimary,
+                icon: Icons.label_outline,
+              ),
             ),
-          ),
+          ],
-          const SizedBox(height: 16),
+        ),
+        if (recent.isNotEmpty) ...[
+          const SizedBox(height: 24),
           Row(
             children: [
-              _StatPill(
+              Text('Recent', style: theme.textTheme.titleMedium),
-                label: 'Items',
+              const Spacer(),
-                value: '$itemCount',
+              TextButton(
-                icon: Icons.collections_bookmark_outlined,
+                onPressed: () => _openTransactions(context),
-              ),
+                child: const Text('See all'),
-              const SizedBox(width: 10),
-              const _StatPill(
-                label: 'Theme',
-                value: 'M3',
-                icon: Icons.palette_outlined,
               ),
             ],
           ),
+          const SizedBox(height: 4),
+          for (final tx in recent)
+            ListTile(
+              contentPadding: EdgeInsets.zero,
+              dense: true,
+              leading: Icon(
+                meta.metaFor(tx).category.icon,
+                color: meta.metaFor(tx).category.color,
+              ),
+              title: Text(
+                tx.description,
+                maxLines: 1,
+                overflow: TextOverflow.ellipsis,
+              ),
+              subtitle: Text(formatIsoDate(tx.date)),
+              trailing: Text(
+                formatMoney(tx.amount, tx.currency),
+                style: theme.textTheme.titleSmall?.copyWith(
+                  color: tx.amount >= 0 ? colors.primary : colors.error,
+                ),
+              ),
+              onTap: () {
+                Navigator.of(context).push(
+                  MaterialPageRoute<void>(
+                    builder: (_) => TransactionDetailScreen(tx: tx),
+                  ),
+                );
+              },
+            ),
         ],
-      ),
+        if (bank.error != null) ...[
+          const SizedBox(height: 12),
+          Text(
+            bank.error!,
+            style: theme.textTheme.bodyMedium?.copyWith(color: colors.error),
+          ),
+        ],
+      ],
     );
   }
 }
 
-class _StatPill extends StatelessWidget {
+class _StatChip extends StatelessWidget {
-  const _StatPill({
+  const _StatChip({
     required this.label,
     required this.value,
     required this.icon,
@@ -188,22 +257,26 @@ class _StatPill extends StatelessWidget {
 
   @override
   Widget build(BuildContext context) {
-    final onPrimary = Theme.of(context).colorScheme.onPrimary;
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
     return Container(
-      padding: const EdgeInsets.symmetric(horizontal: 12, vertical: 8),
+      padding: const EdgeInsets.symmetric(horizontal: 14, vertical: 12),
       decoration: BoxDecoration(
-        color: onPrimary.withValues(alpha: 0.14),
+        color: colors.surfaceContainerLow,
-        borderRadius: BorderRadius.circular(12),
+        borderRadius: BorderRadius.circular(14),
       ),
       child: Row(
         children: [
-          Icon(icon, size: 16, color: onPrimary),
+          Icon(icon, size: 18, color: colors.primary),
-          const SizedBox(width: 8),
+          const SizedBox(width: 10),
-          Text(
+          Expanded(
-            '$value  $label',
+            child: Column(
-            style: Theme.of(context).textTheme.labelMedium?.copyWith(
+              crossAxisAlignment: CrossAxisAlignment.start,
-                  color: onPrimary,
+              children: [
-                ),
+                Text(value, style: theme.textTheme.titleMedium),
+                Text(label, style: theme.textTheme.labelMedium),
+              ],
+            ),
           ),
         ],
       ),

lib/screens/main_shell.dart

@@ -1,13 +1,11 @@
-/// Host scaffold that owns the bottom navigation bar and its tabs.
+/// Host scaffold: Home + Overview. Settings lives in the app-bar gear.
 library;
 
 import 'package:flutter/material.dart';
 
-import 'balance_screen.dart';
+import 'home_screen.dart';
-import 'settings_screen.dart';
+import 'overview_screen.dart';
-import 'transactions_screen.dart';
 
-/// Switches between Balance, Transactions, and Settings without stacking routes.
 class MainShell extends StatefulWidget {
   const MainShell({super.key});
 
@@ -19,9 +17,8 @@ class _MainShellState extends State<MainShell> {
   int _index = 0;
 
   static const _pages = [
-    BalanceScreen(),
+    HomeScreen(),
-    TransactionsScreen(),
+    OverviewScreen(),
-    SettingsScreen(),
   ];
 
   @override
@@ -36,19 +33,14 @@ class _MainShellState extends State<MainShell> {
         onDestinationSelected: (index) => setState(() => _index = index),
         destinations: const [
           NavigationDestination(
-            icon: Icon(Icons.account_balance_wallet_outlined),
+            icon: Icon(Icons.home_outlined),
-            selectedIcon: Icon(Icons.account_balance_wallet),
+            selectedIcon: Icon(Icons.home),
-            label: 'Balance',
+            label: 'Home',
           ),
           NavigationDestination(
-            icon: Icon(Icons.receipt_long_outlined),
+            icon: Icon(Icons.insights_outlined),
-            selectedIcon: Icon(Icons.receipt_long),
+            selectedIcon: Icon(Icons.insights),
-            label: 'Transactions',
+            label: 'Overview',
-          ),
-          NavigationDestination(
-            icon: Icon(Icons.settings_outlined),
-            selectedIcon: Icon(Icons.settings),
-            label: 'Settings',
           ),
         ],
       ),

lib/screens/overview_screen.dart

@@ -0,0 +1,517 @@
+/// Overview: current balance, charts, and look-ahead balance forecast.
+library;
+
+import 'package:fl_chart/fl_chart.dart';
+import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
+
+import '../models/transaction_meta.dart';
+import '../providers/bank_provider.dart';
+import '../providers/tx_meta_provider.dart';
+import '../utils/helpers.dart';
+import '../utils/look_ahead.dart';
+import '../utils/navigation.dart';
+import '../utils/tx_calendar.dart';
+import '../widgets/empty_state.dart';
+import '../widgets/loading_view.dart';
+import '../widgets/responsive_body.dart';
+
+enum _StatsMode { category, month }
+
+class OverviewScreen extends StatefulWidget {
+  const OverviewScreen({super.key});
+
+  @override
+  State<OverviewScreen> createState() => _OverviewScreenState();
+}
+
+class _OverviewScreenState extends State<OverviewScreen> {
+  _StatsMode _mode = _StatsMode.category;
+  var _lookAheadEnabled = false;
+  DateTime _lookAheadMonth = monthStart(DateTime.now());
+
+  void _goLookAheadMonth(int delta) {
+    final next = addMonths(_lookAheadMonth, delta);
+    final now = monthStart(DateTime.now());
+    // Look ahead can go forward; still allow browsing past months.
+    if (delta < 0 && next.isBefore(addMonths(now, -24))) return;
+    if (delta > 0 && next.isAfter(addMonths(now, 36))) return;
+    setState(() => _lookAheadMonth = next);
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final bank = context.watch<BankController>();
+    final meta = context.watch<TxMetaController>();
+
+    return Scaffold(
+      appBar: AppBar(
+        title: const Text('Overview'),
+        actions: bankAppBarActions(
+          context: context,
+          onRefresh: bank.refresh,
+          refreshing: bank.isLoading,
+        ),
+      ),
+      body: RefreshIndicator(
+        onRefresh: bank.refresh,
+        child: ResponsiveBody(
+          child: _buildBody(context, bank, meta),
+        ),
+      ),
+    );
+  }
+
+  Widget _buildBody(
+    BuildContext context,
+    BankController bank,
+    TxMetaController meta,
+  ) {
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+
+    if (bank.isLoading && bank.transactions.isEmpty && bank.balance == null) {
+      return const LoadingView(message: 'Loading overview…');
+    }
+
+    if (!bank.isLinked) {
+      return ListView(
+        physics: const AlwaysScrollableScrollPhysics(),
+        children: const [
+          EmptyState(
+            icon: Icons.insights_outlined,
+            title: 'No overview yet',
+            message: 'Connect your bank on Home to see balance and charts.',
+          ),
+        ],
+      );
+    }
+
+    final currency = bank.balance?.currency ??
+        (bank.transactions.isNotEmpty
+            ? bank.transactions.first.currency
+            : 'EUR');
+    final currentBalance = bank.balance?.amount ?? 0;
+    final byCategory = meta.spendByCategory(bank.transactions);
+    final byMonth = meta.spendByMonth(bank.transactions);
+    final totalSpend = byCategory.values.fold<double>(0, (sum, v) => sum + v);
+
+    final recurrings = recurringItemsFrom(
+      transactions: bank.transactions,
+      metaFor: meta.metaFor,
+    );
+    final today = dateOnly(DateTime.now());
+    final lookAheadEnd = DateTime(
+      _lookAheadMonth.year,
+      _lookAheadMonth.month + 1,
+      0,
+    );
+    final predicted = predictBalance(
+      currentBalance: currentBalance,
+      from: today,
+      throughDate: lookAheadEnd,
+      items: recurrings,
+    );
+    final projected = projectedOccurrences(
+      items: recurrings,
+      from: today,
+      to: lookAheadEnd,
+    );
+    final nowMonth = monthStart(DateTime.now());
+
+    return ListView(
+      physics: const AlwaysScrollableScrollPhysics(),
+      padding: const EdgeInsets.only(top: 8, bottom: 32),
+      children: [
+        Text('Current balance', style: theme.textTheme.labelMedium),
+        const SizedBox(height: 4),
+        Text(
+          formatMoney(currentBalance, currency),
+          style: theme.textTheme.headlineMedium,
+        ),
+        const SizedBox(height: 20),
+        SwitchListTile(
+          contentPadding: EdgeInsets.zero,
+          secondary: const Icon(Icons.auto_graph_outlined),
+          title: const Text('Look ahead'),
+          subtitle: const Text(
+            'Project balance from recurring income and spend',
+          ),
+          value: _lookAheadEnabled,
+          onChanged: (value) {
+            setState(() {
+              _lookAheadEnabled = value;
+              if (value && _lookAheadMonth.isBefore(nowMonth)) {
+                _lookAheadMonth = nowMonth;
+              }
+            });
+          },
+        ),
+        if (_lookAheadEnabled) ...[
+          const SizedBox(height: 8),
+          Card(
+            child: Padding(
+              padding: const EdgeInsets.fromLTRB(8, 8, 8, 16),
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.stretch,
+                children: [
+                  Row(
+                    children: [
+                      IconButton(
+                        tooltip: 'Previous month',
+                        onPressed: () => _goLookAheadMonth(-1),
+                        icon: const Icon(Icons.chevron_left),
+                      ),
+                      Expanded(
+                        child: Text(
+                          formatMonthYear(_lookAheadMonth),
+                          textAlign: TextAlign.center,
+                          style: theme.textTheme.titleMedium,
+                        ),
+                      ),
+                      IconButton(
+                        tooltip: 'Next month',
+                        onPressed: () => _goLookAheadMonth(1),
+                        icon: const Icon(Icons.chevron_right),
+                      ),
+                    ],
+                  ),
+                  Text(
+                    'Predicted balance',
+                    textAlign: TextAlign.center,
+                    style: theme.textTheme.labelMedium,
+                  ),
+                  const SizedBox(height: 4),
+                  Text(
+                    formatMoney(predicted, currency),
+                    textAlign: TextAlign.center,
+                    style: theme.textTheme.headlineMedium?.copyWith(
+                      color: predicted >= currentBalance
+                          ? colors.primary
+                          : colors.error,
+                    ),
+                  ),
+                  const SizedBox(height: 4),
+                  Text(
+                    _lookAheadMonth == nowMonth && !lookAheadEnd.isAfter(today)
+                        ? 'Mark transactions as recurring to forecast'
+                        : 'Through ${formatDate(lookAheadEnd)} · '
+                            '${projected.length} projected '
+                            '${projected.length == 1 ? 'item' : 'items'}',
+                    textAlign: TextAlign.center,
+                    style: theme.textTheme.bodyMedium,
+                  ),
+                  if (recurrings.isEmpty) ...[
+                    const SizedBox(height: 12),
+                    Text(
+                      'No recurring transactions yet. Open a transaction and '
+                      'enable Recurring.',
+                      textAlign: TextAlign.center,
+                      style: theme.textTheme.bodyMedium,
+                    ),
+                  ] else if (projected.isNotEmpty) ...[
+                    const SizedBox(height: 12),
+                    for (final row in projected.take(12))
+                      ListTile(
+                        dense: true,
+                        contentPadding: const EdgeInsets.symmetric(horizontal: 8),
+                        leading: Icon(
+                          row.item.category.icon,
+                          color: row.item.category.color,
+                        ),
+                        title: Text(
+                          row.item.description,
+                          maxLines: 1,
+                          overflow: TextOverflow.ellipsis,
+                        ),
+                        subtitle: Text(formatDate(row.date)),
+                        trailing: Text(
+                          formatMoney(row.item.amount, row.item.currency),
+                          style: theme.textTheme.titleSmall?.copyWith(
+                            color: row.item.amount >= 0
+                                ? colors.primary
+                                : colors.error,
+                          ),
+                        ),
+                      ),
+                    if (projected.length > 12)
+                      Text(
+                        '+${projected.length - 12} more…',
+                        textAlign: TextAlign.center,
+                        style: theme.textTheme.labelMedium,
+                      ),
+                  ],
+                ],
+              ),
+            ),
+          ),
+        ],
+        const SizedBox(height: 20),
+        Text('Money out (categorized)', style: theme.textTheme.labelMedium),
+        const SizedBox(height: 4),
+        Text(
+          formatMoney(totalSpend, currency),
+          style: theme.textTheme.titleLarge,
+        ),
+        const SizedBox(height: 16),
+        SegmentedButton<_StatsMode>(
+          segments: const [
+            ButtonSegment(
+              value: _StatsMode.category,
+              label: Text('Category'),
+              icon: Icon(Icons.label_outline),
+            ),
+            ButtonSegment(
+              value: _StatsMode.month,
+              label: Text('By date'),
+              icon: Icon(Icons.calendar_month_outlined),
+            ),
+          ],
+          selected: {_mode},
+          onSelectionChanged: (selection) {
+            setState(() => _mode = selection.first);
+          },
+        ),
+        const SizedBox(height: 20),
+        SizedBox(
+          height: 260,
+          child: bank.transactions.isEmpty
+              ? Center(
+                  child: Text(
+                    'Transactions will appear here once loaded.',
+                    style: theme.textTheme.bodyMedium,
+                  ),
+                )
+              : _mode == _StatsMode.category
+                  ? _CategoryBars(data: byCategory, currency: currency)
+                  : _MonthBars(data: byMonth, currency: currency),
+        ),
+        const SizedBox(height: 20),
+        if (_mode == _StatsMode.category)
+          ..._categoryLegend(context, byCategory, currency)
+        else
+          ..._monthLegend(context, byMonth, currency),
+      ],
+    );
+  }
+
+  List<Widget> _categoryLegend(
+    BuildContext context,
+    Map<TxCategory, double> data,
+    String currency,
+  ) {
+    final entries = data.entries.toList()
+      ..sort((a, b) => b.value.compareTo(a.value));
+    if (entries.isEmpty) {
+      return [
+        Text(
+          'No outflows yet. Categorize spending from the transaction list.',
+          style: Theme.of(context).textTheme.bodyMedium,
+        ),
+      ];
+    }
+    return [
+      for (final entry in entries)
+        ListTile(
+          contentPadding: EdgeInsets.zero,
+          dense: true,
+          leading: Icon(entry.key.icon, color: entry.key.color),
+          title: Text(entry.key.label),
+          trailing: Text(formatMoney(entry.value, currency)),
+        ),
+    ];
+  }
+
+  List<Widget> _monthLegend(
+    BuildContext context,
+    Map<String, double> data,
+    String currency,
+  ) {
+    if (data.isEmpty) {
+      return [
+        Text(
+          'No dated outflows to chart yet.',
+          style: Theme.of(context).textTheme.bodyMedium,
+        ),
+      ];
+    }
+    return [
+      for (final entry in data.entries.toList().reversed)
+        ListTile(
+          contentPadding: EdgeInsets.zero,
+          dense: true,
+          leading: const Icon(Icons.calendar_today_outlined),
+          title: Text(entry.key),
+          trailing: Text(formatMoney(entry.value, currency)),
+        ),
+    ];
+  }
+}
+
+class _CategoryBars extends StatelessWidget {
+  const _CategoryBars({required this.data, required this.currency});
+
+  final Map<TxCategory, double> data;
+  final String currency;
+
+  @override
+  Widget build(BuildContext context) {
+    final entries = data.entries.toList()
+      ..sort((a, b) => b.value.compareTo(a.value));
+    if (entries.isEmpty) {
+      return Center(
+        child: Text(
+          'Categorize transactions to see this chart',
+          style: Theme.of(context).textTheme.bodyMedium,
+          textAlign: TextAlign.center,
+        ),
+      );
+    }
+
+    final maxY = entries.map((e) => e.value).reduce((a, b) => a > b ? a : b);
+    return BarChart(
+      BarChartData(
+        maxY: maxY * 1.15,
+        barTouchData: BarTouchData(
+          touchTooltipData: BarTouchTooltipData(
+            getTooltipItem: (group, groupIndex, rod, rodIndex) {
+              final entry = entries[group.x.toInt()];
+              return BarTooltipItem(
+                '${entry.key.label}\n${formatMoney(entry.value, currency)}',
+                TextStyle(
+                  color: Theme.of(context).colorScheme.onInverseSurface,
+                ),
+              );
+            },
+          ),
+        ),
+        titlesData: FlTitlesData(
+          topTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
+          rightTitles:
+              const AxisTitles(sideTitles: SideTitles(showTitles: false)),
+          leftTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
+          bottomTitles: AxisTitles(
+            sideTitles: SideTitles(
+              showTitles: true,
+              reservedSize: 42,
+              getTitlesWidget: (value, meta) {
+                final index = value.toInt();
+                if (index < 0 || index >= entries.length) {
+                  return const SizedBox.shrink();
+                }
+                final label = entries[index].key.label;
+                return Padding(
+                  padding: const EdgeInsets.only(top: 8),
+                  child: Text(
+                    label.length > 8 ? '${label.substring(0, 7)}…' : label,
+                    style: Theme.of(context).textTheme.labelSmall,
+                  ),
+                );
+              },
+            ),
+          ),
+        ),
+        gridData: const FlGridData(show: false),
+        borderData: FlBorderData(show: false),
+        barGroups: [
+          for (var i = 0; i < entries.length; i++)
+            BarChartGroupData(
+              x: i,
+              barRods: [
+                BarChartRodData(
+                  toY: entries[i].value,
+                  width: 18,
+                  borderRadius:
+                      const BorderRadius.vertical(top: Radius.circular(6)),
+                  color: entries[i].key.color,
+                ),
+              ],
+            ),
+        ],
+      ),
+    );
+  }
+}
+
+class _MonthBars extends StatelessWidget {
+  const _MonthBars({required this.data, required this.currency});
+
+  final Map<String, double> data;
+  final String currency;
+
+  @override
+  Widget build(BuildContext context) {
+    final entries = data.entries.toList();
+    if (entries.isEmpty) {
+      return Center(
+        child: Text(
+          'No monthly spend yet',
+          style: Theme.of(context).textTheme.bodyMedium,
+        ),
+      );
+    }
+
+    final maxY = entries.map((e) => e.value).reduce((a, b) => a > b ? a : b);
+    final colors = Theme.of(context).colorScheme;
+    return BarChart(
+      BarChartData(
+        maxY: maxY * 1.15,
+        barTouchData: BarTouchData(
+          touchTooltipData: BarTouchTooltipData(
+            getTooltipItem: (group, groupIndex, rod, rodIndex) {
+              final entry = entries[group.x.toInt()];
+              return BarTooltipItem(
+                '${entry.key}\n${formatMoney(entry.value, currency)}',
+                TextStyle(color: colors.onInverseSurface),
+              );
+            },
+          ),
+        ),
+        titlesData: FlTitlesData(
+          topTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
+          rightTitles:
+              const AxisTitles(sideTitles: SideTitles(showTitles: false)),
+          leftTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
+          bottomTitles: AxisTitles(
+            sideTitles: SideTitles(
+              showTitles: true,
+              reservedSize: 28,
+              getTitlesWidget: (value, meta) {
+                final index = value.toInt();
+                if (index < 0 || index >= entries.length) {
+                  return const SizedBox.shrink();
+                }
+                final key = entries[index].key;
+                final short = key.length >= 7 ? key.substring(5) : key;
+                return Padding(
+                  padding: const EdgeInsets.only(top: 8),
+                  child: Text(
+                    short,
+                    style: Theme.of(context).textTheme.labelSmall,
+                  ),
+                );
+              },
+            ),
+          ),
+        ),
+        gridData: const FlGridData(show: false),
+        borderData: FlBorderData(show: false),
+        barGroups: [
+          for (var i = 0; i < entries.length; i++)
+            BarChartGroupData(
+              x: i,
+              barRods: [
+                BarChartRodData(
+                  toY: entries[i].value,
+                  width: 22,
+                  borderRadius:
+                      const BorderRadius.vertical(top: Radius.circular(6)),
+                  color: colors.primary,
+                ),
+              ],
+            ),
+        ],
+      ),
+    );
+  }
+}

lib/screens/transaction_detail_screen.dart

@@ -0,0 +1,153 @@
+/// Transaction detail: category, recurring, and user notes.
+library;
+
+import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
+
+import '../models/bank.dart';
+import '../models/transaction_meta.dart';
+import '../providers/tx_meta_provider.dart';
+import '../utils/helpers.dart';
+import '../widgets/responsive_body.dart';
+
+class TransactionDetailScreen extends StatefulWidget {
+  const TransactionDetailScreen({super.key, required this.tx});
+
+  final BankTransaction tx;
+
+  @override
+  State<TransactionDetailScreen> createState() =>
+      _TransactionDetailScreenState();
+}
+
+class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
+  late final TextEditingController _notesController;
+  var _dirty = false;
+
+  @override
+  void initState() {
+    super.initState();
+    final notes = context.read<TxMetaController>().metaFor(widget.tx).notes;
+    _notesController = TextEditingController(text: notes);
+  }
+
+  @override
+  void dispose() {
+    _notesController.dispose();
+    super.dispose();
+  }
+
+  Future<void> _saveNotes() async {
+    await context.read<TxMetaController>().setNotes(
+          widget.tx,
+          _notesController.text,
+        );
+    if (!mounted) return;
+    setState(() => _dirty = false);
+    ScaffoldMessenger.of(context).showSnackBar(
+      const SnackBar(content: Text('Notes saved')),
+    );
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    final tx = widget.tx;
+    final meta = context.watch<TxMetaController>().metaFor(tx);
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    final amountColor = tx.amount >= 0 ? colors.primary : colors.error;
+
+    return Scaffold(
+      appBar: AppBar(
+        title: const Text('Transaction'),
+        actions: [
+          if (_dirty)
+            TextButton(
+              onPressed: _saveNotes,
+              child: const Text('Save'),
+            ),
+        ],
+      ),
+      body: ResponsiveBody(
+        child: ListView(
+          padding: const EdgeInsets.only(top: 8, bottom: 32),
+          children: [
+            Text(
+              formatMoney(tx.amount, tx.currency),
+              style: theme.textTheme.headlineMedium?.copyWith(color: amountColor),
+            ),
+            const SizedBox(height: 8),
+            Text(tx.description, style: theme.textTheme.titleMedium),
+            const SizedBox(height: 4),
+            Text(
+              [
+                formatIsoDate(tx.date),
+                if (tx.pending) 'Pending',
+              ].join(' · '),
+              style: theme.textTheme.bodyMedium,
+            ),
+            const SizedBox(height: 24),
+            SwitchListTile(
+              contentPadding: EdgeInsets.zero,
+              secondary: const Icon(Icons.autorenew),
+              title: const Text('Recurring'),
+              subtitle: const Text('Salary, mortgage, subscriptions…'),
+              value: meta.recurring,
+              onChanged: (value) {
+                context.read<TxMetaController>().setRecurring(tx, value);
+              },
+            ),
+            const SizedBox(height: 16),
+            Text('Category', style: theme.textTheme.titleSmall),
+            const SizedBox(height: 8),
+            Wrap(
+              spacing: 8,
+              runSpacing: 8,
+              children: [
+                for (final category in TxCategory.values)
+                  ChoiceChip(
+                    avatar: Icon(
+                      category.icon,
+                      size: 16,
+                      color: category.color,
+                    ),
+                    label: Text(category.label),
+                    selected: meta.category == category,
+                    onSelected: (_) {
+                      context.read<TxMetaController>().setCategory(tx, category);
+                    },
+                  ),
+              ],
+            ),
+            const SizedBox(height: 24),
+            Text('Notes', style: theme.textTheme.titleSmall),
+            const SizedBox(height: 8),
+            TextField(
+              controller: _notesController,
+              minLines: 3,
+              maxLines: 6,
+              textInputAction: TextInputAction.newline,
+              decoration: const InputDecoration(
+                hintText: 'Add a private note…',
+              ),
+              onChanged: (_) {
+                if (!_dirty) setState(() => _dirty = true);
+              },
+            ),
+            const SizedBox(height: 12),
+            FilledButton(
+              onPressed: _dirty ? _saveNotes : null,
+              child: const Text('Save notes'),
+            ),
+            const SizedBox(height: 16),
+            Text(
+              'Matching descriptions reuse this category automatically. '
+              'Exact same amount + description also copies notes.',
+              style: theme.textTheme.labelMedium,
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+}

lib/screens/transactions_screen.dart

@@ -1,20 +1,146 @@
-/// Transactions tab: recent bank movements from the ingtrak API.
+/// Searchable transaction list with month heatmap and money in/out totals.
 library;
 
 import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import '../models/bank.dart';
+import '../models/transaction_meta.dart';
 import '../providers/bank_provider.dart';
+import '../providers/tx_meta_provider.dart';
 import '../utils/connect_bank.dart';
 import '../utils/helpers.dart';
+import '../utils/navigation.dart';
+import '../utils/tx_calendar.dart';
 import '../widgets/empty_state.dart';
 import '../widgets/loading_view.dart';
 import '../widgets/responsive_body.dart';
+import '../widgets/tx_heatmap.dart';
+import 'transaction_detail_screen.dart';
 
-class TransactionsScreen extends StatelessWidget {
+class TransactionsScreen extends StatefulWidget {
   const TransactionsScreen({super.key});
 
+  @override
+  State<TransactionsScreen> createState() => _TransactionsScreenState();
+}
+
+class _TransactionsScreenState extends State<TransactionsScreen> {
+  final _searchController = TextEditingController();
+  String _query = '';
+  DateTime _month = monthStart(DateTime.now());
+  DateTime? _selectedDay;
+  var _searchInMonthOnly = false;
+  final Set<TxCategory> _categoryFilters = {};
+
+  @override
+  void dispose() {
+    _searchController.dispose();
+    super.dispose();
+  }
+
+  bool get _isSearching =>
+      _query.trim().isNotEmpty || _categoryFilters.isNotEmpty;
+
+  void _goMonth(int delta) {
+    final next = addMonths(_month, delta);
+    final current = monthStart(DateTime.now());
+    if (delta > 0 && next.isAfter(current)) return;
+    setState(() {
+      _month = next.isAfter(current) ? current : next;
+      _selectedDay = null;
+    });
+  }
+
+  DateTime? _txDate(BankTransaction tx) => DateTime.tryParse(tx.date);
+
+  bool _inCalendarScope(BankTransaction tx) {
+    final date = _txDate(tx);
+    if (date == null) return false;
+    if (_selectedDay != null) return isSameDay(date, _selectedDay!);
+    return isSameMonth(date, _month);
+  }
+
+  bool _inMonth(BankTransaction tx) {
+    final date = _txDate(tx);
+    if (date == null) return false;
+    return isSameMonth(date, _month);
+  }
+
+  Future<void> _pickCategories(List<TxCategory> available) async {
+    if (available.isEmpty) {
+      ScaffoldMessenger.of(context).showSnackBar(
+        const SnackBar(content: Text('No categories in use yet')),
+      );
+      return;
+    }
+
+    final selected = Set<TxCategory>.of(_categoryFilters);
+    await showModalBottomSheet<void>(
+      context: context,
+      showDragHandle: true,
+      builder: (sheetContext) {
+        return StatefulBuilder(
+          builder: (context, setSheetState) {
+            return SafeArea(
+              child: Padding(
+                padding: const EdgeInsets.fromLTRB(16, 0, 16, 24),
+                child: Column(
+                  mainAxisSize: MainAxisSize.min,
+                  crossAxisAlignment: CrossAxisAlignment.stretch,
+                  children: [
+                    Text(
+                      'Filter by category',
+                      style: Theme.of(context).textTheme.titleMedium,
+                    ),
+                    const SizedBox(height: 12),
+                    Wrap(
+                      spacing: 8,
+                      runSpacing: 8,
+                      children: [
+                        for (final category in available)
+                          FilterChip(
+                            avatar: Icon(
+                              category.icon,
+                              size: 16,
+                              color: category.color,
+                            ),
+                            label: Text(category.label),
+                            selected: selected.contains(category),
+                            onSelected: (value) {
+                              setSheetState(() {
+                                if (value) {
+                                  selected.add(category);
+                                } else {
+                                  selected.remove(category);
+                                }
+                              });
+                            },
+                          ),
+                      ],
+                    ),
+                    const SizedBox(height: 16),
+                    FilledButton(
+                      onPressed: () {
+                        setState(() {
+                          _categoryFilters
+                            ..clear()
+                            ..addAll(selected);
+                        });
+                        Navigator.pop(sheetContext);
+                      },
+                      child: const Text('Apply'),
+                    ),
+                  ],
+                ),
+              ),
+            );
+          },
+        );
+      },
+    );
+  }
+
   @override
   Widget build(BuildContext context) {
     final bank = context.watch<BankController>();
@@ -22,31 +148,26 @@ class TransactionsScreen extends StatelessWidget {
     return Scaffold(
       appBar: AppBar(
         title: const Text('Transactions'),
-        actions: [
+        actions: bankAppBarActions(
-          IconButton(
+          context: context,
-            tooltip: 'Refresh',
+          onRefresh: bank.refresh,
-            onPressed: bank.isLoading ? null : bank.refresh,
+          refreshing: bank.isLoading,
-            icon: const Icon(Icons.refresh),
+        ),
-          ),
-        ],
       ),
       body: RefreshIndicator(
         onRefresh: bank.refresh,
         child: ResponsiveBody(
-          child: _TransactionsBody(bank: bank),
+          child: _buildBody(context, bank),
         ),
       ),
     );
   }
-}
 
-class _TransactionsBody extends StatelessWidget {
+  Widget _buildBody(BuildContext context, BankController bank) {
-  const _TransactionsBody({required this.bank});
+    final metaController = context.watch<TxMetaController>();
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
 
-  final BankController bank;
-
-  @override
-  Widget build(BuildContext context) {
     if (bank.isLoading && bank.transactions.isEmpty) {
       return const LoadingView(message: 'Loading transactions…');
     }
@@ -59,7 +180,7 @@ class _TransactionsBody extends StatelessWidget {
             icon: Icons.receipt_long_outlined,
             title: 'No transactions yet',
             message: bank.error ??
-                'Link your bank on the Balance tab to load recent activity.',
+                'Link your bank from Home to load recent activity.',
             actionLabel: bank.isConnecting ? 'Opening…' : 'Connect bank',
             onAction: () => runConnectBank(context, bank),
           ),
@@ -95,46 +216,332 @@ class _TransactionsBody extends StatelessWidget {
       );
     }
 
-    return ListView.separated(
+    final nowMonth = monthStart(DateTime.now());
+    final monthDates = <DateTime>[
+      for (final tx in bank.transactions)
+        if (_txDate(tx) != null && isSameMonth(_txDate(tx)!, _month))
+          dateOnly(_txDate(tx)!),
+    ];
+    final counts = txCountsByDay(monthDates);
+
+    final calendarScoped = [
+      for (final tx in bank.transactions)
+        if (_inCalendarScope(tx)) tx,
+    ];
+
+    final searchPool = !_isSearching
+        ? calendarScoped
+        : _searchInMonthOnly
+            ? [
+                for (final tx in bank.transactions)
+                  if (_inMonth(tx)) tx,
+              ]
+            : bank.transactions;
+
+    final filtered = metaController.search(
+      searchPool,
+      _query,
+      categories: _categoryFilters,
+    );
+
+    var moneyOut = 0.0;
+    var moneyIn = 0.0;
+    for (final tx in calendarScoped) {
+      if (tx.amount < 0) {
+        moneyOut += tx.amount.abs();
+      } else if (tx.amount > 0) {
+        moneyIn += tx.amount;
+      }
+    }
+    final currency = bank.balance?.currency ??
+        (bank.transactions.isNotEmpty
+            ? bank.transactions.first.currency
+            : 'EUR');
+    final usedCategories = metaController.usedCategories(bank.transactions);
+
+    return ListView(
       physics: const AlwaysScrollableScrollPhysics(),
-      padding: const EdgeInsets.only(top: 8, bottom: 32),
+      padding: const EdgeInsets.only(bottom: 32),
-      itemCount: bank.transactions.length,
+      children: [
-      separatorBuilder: (_, _) => const SizedBox(height: 8),
+        Padding(
-      itemBuilder: (context, index) {
+          padding: const EdgeInsets.only(top: 8, bottom: 4),
-        return _TransactionTile(tx: bank.transactions[index]);
+          child: Row(
-      },
+            children: [
+              Expanded(
+                child: TextField(
+                  controller: _searchController,
+                  textInputAction: TextInputAction.search,
+                  decoration: InputDecoration(
+                    hintText: 'Search description, notes…',
+                    prefixIcon: IconButton(
+                      tooltip: 'Categories',
+                      onPressed: () => _pickCategories(usedCategories),
+                      icon: Icon(
+                        Icons.search,
+                        color: _categoryFilters.isEmpty
+                            ? null
+                            : colors.primary,
+                      ),
+                    ),
+                    suffixIcon: _query.isEmpty
+                        ? null
+                        : IconButton(
+                            tooltip: 'Clear',
+                            onPressed: () {
+                              _searchController.clear();
+                              setState(() => _query = '');
+                            },
+                            icon: const Icon(Icons.clear),
+                          ),
+                  ),
+                  onChanged: (value) => setState(() => _query = value),
+                ),
+              ),
+              const SizedBox(width: 4),
+              Tooltip(
+                message: 'Search only in calendar month',
+                child: Row(
+                  mainAxisSize: MainAxisSize.min,
+                  children: [
+                    Checkbox(
+                      value: _searchInMonthOnly,
+                      onChanged: (value) {
+                        setState(() => _searchInMonthOnly = value ?? false);
+                      },
+                    ),
+                    Text('Month', style: theme.textTheme.labelMedium),
+                  ],
+                ),
+              ),
+            ],
+          ),
+        ),
+        if (_categoryFilters.isNotEmpty)
+          Padding(
+            padding: const EdgeInsets.only(bottom: 8),
+            child: Wrap(
+              spacing: 8,
+              runSpacing: 8,
+              children: [
+                for (final category in _categoryFilters)
+                  InputChip(
+                    avatar: Icon(category.icon, size: 16, color: category.color),
+                    label: Text(category.label),
+                    onDeleted: () {
+                      setState(() => _categoryFilters.remove(category));
+                    },
+                  ),
+              ],
+            ),
+          ),
+        TxHeatmap(
+          month: _month,
+          counts: counts,
+          canGoForward: _month.isBefore(nowMonth),
+          selectedDay: _selectedDay,
+          onPreviousMonth: () => _goMonth(-1),
+          onNextMonth: () => _goMonth(1),
+          onSelectDay: (day) => setState(() => _selectedDay = day),
+        ),
+        if (_selectedDay != null)
+          Padding(
+            padding: const EdgeInsets.only(bottom: 8),
+            child: Align(
+              alignment: Alignment.centerLeft,
+              child: InputChip(
+                label: Text(formatDate(_selectedDay!)),
+                onDeleted: () => setState(() => _selectedDay = null),
+              ),
+            ),
+          ),
+        Padding(
+          padding: const EdgeInsets.fromLTRB(0, 4, 0, 12),
+          child: Row(
+            children: [
+              Expanded(
+                child: _TotalsCard(
+                  label: 'Money out',
+                  value: formatMoney(moneyOut, currency),
+                  color: colors.error,
+                  icon: Icons.arrow_upward,
+                ),
+              ),
+              const SizedBox(width: 10),
+              Expanded(
+                child: _TotalsCard(
+                  label: 'Money in',
+                  value: formatMoney(moneyIn, currency),
+                  color: colors.primary,
+                  icon: Icons.arrow_downward,
+                ),
+              ),
+            ],
+          ),
+        ),
+        if (_isSearching)
+          Padding(
+            padding: const EdgeInsets.only(bottom: 8),
+            child: Text(
+              _searchInMonthOnly
+                  ? 'Searching in ${formatMonthYear(_month)}'
+                  : 'Searching all transactions',
+              style: theme.textTheme.labelMedium,
+            ),
+          ),
+        if (filtered.isEmpty)
+          Padding(
+            padding: const EdgeInsets.symmetric(vertical: 24),
+            child: Text(
+              _isSearching
+                  ? 'No transactions match this search.'
+                  : _selectedDay != null
+                      ? 'No transactions on this day.'
+                      : 'No transactions this month.',
+              textAlign: TextAlign.center,
+              style: theme.textTheme.bodyMedium,
+            ),
+          )
+        else
+          for (var i = 0; i < filtered.length; i++) ...[
+            if (i > 0)
+              Divider(
+                height: 1,
+                color: colors.outlineVariant.withValues(alpha: 0.5),
+              ),
+            _CompactTransactionTile(
+              tx: filtered[i],
+              meta: metaController.metaFor(filtered[i]),
+            ),
+          ],
+      ],
     );
   }
 }
 
-class _TransactionTile extends StatelessWidget {
+class _TotalsCard extends StatelessWidget {
-  const _TransactionTile({required this.tx});
+  const _TotalsCard({
+    required this.label,
+    required this.value,
+    required this.color,
+    required this.icon,
+  });
 
-  final BankTransaction tx;
+  final String label;
+  final String value;
+  final Color color;
+  final IconData icon;
 
   @override
   Widget build(BuildContext context) {
     final theme = Theme.of(context);
     final colors = theme.colorScheme;
-    final isCredit = tx.amount >= 0;
-    final amountColor = isCredit ? colors.primary : colors.error;
 
-    return Card(
+    return Container(
-      child: ListTile(
+      padding: const EdgeInsets.symmetric(horizontal: 14, vertical: 12),
-        title: Text(
+      decoration: BoxDecoration(
-          tx.description,
+        color: colors.surfaceContainerLow,
-          maxLines: 2,
+        borderRadius: BorderRadius.circular(14),
-          overflow: TextOverflow.ellipsis,
+      ),
-        ),
+      child: Column(
-        subtitle: Text(
+        crossAxisAlignment: CrossAxisAlignment.start,
-          [
+        children: [
-            formatIsoDate(tx.date),
+          Row(
-            if (tx.pending) 'Pending',
+            children: [
-          ].where((part) => part.isNotEmpty).join(' · '),
+              Icon(icon, size: 16, color: color),
-        ),
+              const SizedBox(width: 6),
-        trailing: Text(
+              Text(label, style: theme.textTheme.labelMedium),
-          formatMoney(tx.amount, tx.currency),
+            ],
-          style: theme.textTheme.titleMedium?.copyWith(color: amountColor),
+          ),
+          const SizedBox(height: 6),
+          Text(
+            value,
+            style: theme.textTheme.titleMedium?.copyWith(color: color),
+          ),
+        ],
+      ),
+    );
+  }
+}
+
+class _CompactTransactionTile extends StatelessWidget {
+  const _CompactTransactionTile({
+    required this.tx,
+    required this.meta,
+  });
+
+  final BankTransaction tx;
+  final TxMeta meta;
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    final amountColor = tx.amount >= 0 ? colors.primary : colors.error;
+
+    return InkWell(
+      onTap: () {
+        Navigator.of(context).push(
+          MaterialPageRoute<void>(
+            builder: (_) => TransactionDetailScreen(tx: tx),
+          ),
+        );
+      },
+      child: Padding(
+        padding: const EdgeInsets.symmetric(vertical: 10),
+        child: Row(
+          children: [
+            Container(
+              width: 36,
+              height: 36,
+              decoration: BoxDecoration(
+                color: meta.category.color.withValues(alpha: 0.14),
+                borderRadius: BorderRadius.circular(10),
+              ),
+              child: Icon(
+                meta.category.icon,
+                size: 18,
+                color: meta.category.color,
+              ),
+            ),
+            const SizedBox(width: 12),
+            Expanded(
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Text(
+                    tx.description,
+                    maxLines: 1,
+                    overflow: TextOverflow.ellipsis,
+                    style: theme.textTheme.bodyLarge?.copyWith(
+                      fontSize: 15,
+                      height: 1.2,
+                    ),
+                  ),
+                  const SizedBox(height: 2),
+                  Text(
+                    [
+                      formatIsoDate(tx.date),
+                      if (meta.hasCategory) meta.category.label,
+                      if (meta.recurring) 'Recurring',
+                      if (meta.hasNotes) 'Note',
+                      if (tx.pending) 'Pending',
+                    ].join(' · '),
+                    maxLines: 1,
+                    overflow: TextOverflow.ellipsis,
+                    style: theme.textTheme.labelMedium,
+                  ),
+                ],
+              ),
+            ),
+            const SizedBox(width: 8),
+            Text(
+              formatMoney(tx.amount, tx.currency),
+              style: theme.textTheme.titleSmall?.copyWith(
+                color: amountColor,
+                fontWeight: FontWeight.w600,
+              ),
+            ),
+          ],
         ),
       ),
     );

lib/services/storage_service.dart

@@ -1,10 +1,26 @@
 /// Thin wrapper around [SharedPreferences] for local key-value persistence.
 library;
 
+import 'dart:convert';
+
 import 'package:shared_preferences/shared_preferences.dart';
 
+import '../models/transaction_meta.dart';
 import '../utils/constants.dart';
 
+/// Persisted annotation store for transactions.
+class TxMetaStoreData {
+  const TxMetaStoreData({
+    this.byId = const {},
+    this.categoryByDescription = const {},
+    this.exactTemplates = const {},
+  });
+
+  final Map<String, TxMeta> byId;
+  final Map<String, TxCategory> categoryByDescription;
+  final Map<String, TxExactTemplate> exactTemplates;
+}
+
 /// Loads and stores user preferences. Call [init] once at startup.
 class StorageService {
   StorageService({this._preferences});
@@ -35,4 +51,123 @@ class StorageService {
   Future<void> setUseRemoteData(bool value) {
     return _prefs.setBool(StorageKeys.useRemoteData, value);
   }
+
+  TxMetaStoreData loadTxMetaStore() {
+    final raw = _prefs.getString(StorageKeys.txMeta);
+    if (raw != null && raw.isNotEmpty) {
+      return _decodeStore(raw);
+    }
+
+    // Migrate flat v1 map → v2 store.
+    final legacy = _prefs.getString(StorageKeys.txMetaLegacy);
+    if (legacy == null || legacy.isEmpty) return const TxMetaStoreData();
+    try {
+      final decoded = jsonDecode(legacy);
+      if (decoded is! Map) return const TxMetaStoreData();
+      final byId = <String, TxMeta>{};
+      final categoryByDescription = <String, TxCategory>{};
+      decoded.forEach((key, value) {
+        if (key is! String || value is! Map) return;
+        final meta = TxMeta.fromJson(Map<String, dynamic>.from(value));
+        byId[key] = meta;
+        if (meta.hasCategory) {
+          final desc = _descriptionFromLegacyId(key);
+          if (desc != null) {
+            categoryByDescription[desc] = meta.category;
+          }
+        }
+      });
+      return TxMetaStoreData(
+        byId: byId,
+        categoryByDescription: categoryByDescription,
+      );
+    } catch (_) {
+      return const TxMetaStoreData();
+    }
+  }
+
+  Future<void> saveTxMetaStore(TxMetaStoreData store) {
+    final encoded = {
+      'byId': {
+        for (final e in store.byId.entries) e.key: e.value.toJson(),
+      },
+      'categoryByDescription': {
+        for (final e in store.categoryByDescription.entries)
+          e.key: e.value.name,
+      },
+      'exactTemplates': {
+        for (final e in store.exactTemplates.entries) e.key: e.value.toJson(),
+      },
+    };
+    return _prefs.setString(StorageKeys.txMeta, jsonEncode(encoded));
+  }
+
+  /// Deprecated shim used by older call sites during transition.
+  Map<String, TxMeta> loadTxMeta() => loadTxMetaStore().byId;
+
+  Future<void> saveTxMeta(Map<String, TxMeta> meta) {
+    final current = loadTxMetaStore();
+    return saveTxMetaStore(
+      TxMetaStoreData(
+        byId: meta,
+        categoryByDescription: current.categoryByDescription,
+        exactTemplates: current.exactTemplates,
+      ),
+    );
+  }
+
+  TxMetaStoreData _decodeStore(String raw) {
+    try {
+      final decoded = jsonDecode(raw);
+      if (decoded is! Map) return const TxMetaStoreData();
+      final root = Map<String, dynamic>.from(decoded);
+
+      final byId = <String, TxMeta>{};
+      final byIdRaw = root['byId'];
+      if (byIdRaw is Map) {
+        byIdRaw.forEach((key, value) {
+          if (key is String && value is Map) {
+            byId[key] = TxMeta.fromJson(Map<String, dynamic>.from(value));
+          }
+        });
+      }
+
+      final categoryByDescription = <String, TxCategory>{};
+      final cats = root['categoryByDescription'];
+      if (cats is Map) {
+        cats.forEach((key, value) {
+          if (key is String && value is String) {
+            categoryByDescription[key] = TxCategoryX.fromName(value);
+          }
+        });
+      }
+
+      final exactTemplates = <String, TxExactTemplate>{};
+      final templates = root['exactTemplates'];
+      if (templates is Map) {
+        templates.forEach((key, value) {
+          if (key is String && value is Map) {
+            exactTemplates[key] =
+                TxExactTemplate.fromJson(Map<String, dynamic>.from(value));
+          }
+        });
+      }
+
+      return TxMetaStoreData(
+        byId: byId,
+        categoryByDescription: categoryByDescription,
+        exactTemplates: exactTemplates,
+      );
+    } catch (_) {
+      return const TxMetaStoreData();
+    }
+  }
+
+  /// Legacy id format: `date|currency|amount|description`.
+  String? _descriptionFromLegacyId(String id) {
+    final parts = id.split('|');
+    if (parts.length < 4) return null;
+    final description = parts.sublist(3).join('|');
+    return description.trim().toLowerCase().replaceAll(RegExp(r'\s+'), ' ');
+  }
 }

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;
+}

lib/widgets/tx_heatmap.dart

@@ -0,0 +1,204 @@
+/// GitHub-style contribution heatmap for one calendar month of transactions.
+library;
+
+import 'package:flutter/material.dart';
+
+import '../utils/helpers.dart';
+import '../utils/tx_calendar.dart';
+
+class TxHeatmap extends StatelessWidget {
+  const TxHeatmap({
+    super.key,
+    required this.month,
+    required this.counts,
+    required this.canGoForward,
+    this.selectedDay,
+    required this.onPreviousMonth,
+    required this.onNextMonth,
+    required this.onSelectDay,
+  });
+
+  final DateTime month;
+  final Map<DateTime, int> counts;
+  final bool canGoForward;
+  final DateTime? selectedDay;
+  final VoidCallback onPreviousMonth;
+  final VoidCallback onNextMonth;
+  final ValueChanged<DateTime?> onSelectDay;
+
+  static const _weekdays = ['M', 'T', 'W', 'T', 'F', 'S', 'S'];
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    final scheme = theme.colorScheme;
+    final cells = monthGrid(month);
+    final today = dateOnly(DateTime.now());
+    final weeks = cells.length ~/ 7;
+
+    return Card(
+      margin: const EdgeInsets.fromLTRB(0, 8, 0, 8),
+      child: Padding(
+        padding: const EdgeInsets.fromLTRB(12, 8, 12, 12),
+        child: Column(
+          crossAxisAlignment: CrossAxisAlignment.stretch,
+          children: [
+            Row(
+              children: [
+                IconButton(
+                  tooltip: 'Previous month',
+                  onPressed: onPreviousMonth,
+                  icon: const Icon(Icons.chevron_left),
+                ),
+                Expanded(
+                  child: Text(
+                    formatMonthYear(month),
+                    textAlign: TextAlign.center,
+                    style: theme.textTheme.titleMedium,
+                  ),
+                ),
+                IconButton(
+                  tooltip: 'Next month',
+                  onPressed: canGoForward ? onNextMonth : null,
+                  icon: const Icon(Icons.chevron_right),
+                ),
+              ],
+            ),
+            const SizedBox(height: 4),
+            Row(
+              children: [
+                for (final label in _weekdays)
+                  Expanded(
+                    child: Text(
+                      label,
+                      textAlign: TextAlign.center,
+                      style: theme.textTheme.labelMedium,
+                    ),
+                  ),
+              ],
+            ),
+            const SizedBox(height: 4),
+            for (var week = 0; week < weeks; week++)
+              Padding(
+                padding: const EdgeInsets.only(top: 4),
+                child: Row(
+                  children: [
+                    for (var weekday = 0; weekday < 7; weekday++)
+                      Expanded(
+                        child: Padding(
+                          padding: const EdgeInsets.symmetric(horizontal: 2),
+                          child: _HeatCell(
+                            date: cells[week * 7 + weekday],
+                            count: cells[week * 7 + weekday] == null
+                                ? 0
+                                : counts[cells[week * 7 + weekday]] ?? 0,
+                            today: today,
+                            selectedDay: selectedDay,
+                            onSelect: onSelectDay,
+                          ),
+                        ),
+                      ),
+                  ],
+                ),
+              ),
+            const SizedBox(height: 12),
+            Row(
+              children: [
+                Text('Less', style: theme.textTheme.labelMedium),
+                const SizedBox(width: 6),
+                for (var level = 0; level <= 4; level++)
+                  Padding(
+                    padding: const EdgeInsets.only(right: 3),
+                    child: Container(
+                      width: 12,
+                      height: 12,
+                      decoration: BoxDecoration(
+                        color: _fillForLevel(scheme, level),
+                        borderRadius: BorderRadius.circular(3),
+                      ),
+                    ),
+                  ),
+                Text('More', style: theme.textTheme.labelMedium),
+              ],
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+}
+
+class _HeatCell extends StatelessWidget {
+  const _HeatCell({
+    required this.date,
+    required this.count,
+    required this.today,
+    required this.selectedDay,
+    required this.onSelect,
+  });
+
+  final DateTime? date;
+  final int count;
+  final DateTime today;
+  final DateTime? selectedDay;
+  final ValueChanged<DateTime?> onSelect;
+
+  @override
+  Widget build(BuildContext context) {
+    if (date == null) {
+      return const SizedBox(height: 36);
+    }
+
+    final scheme = Theme.of(context).colorScheme;
+    final level = heatmapLevel(count);
+    final selected = selectedDay != null && isSameDay(date!, selectedDay!);
+    final isToday = isSameDay(date!, today);
+    final fill = _fillForLevel(scheme, level);
+    final textColor = level >= 3
+        ? scheme.onPrimary
+        : scheme.onSurface.withValues(alpha: count == 0 ? 0.45 : 1);
+
+    return Tooltip(
+      message: count == 0
+          ? formatDate(date!)
+          : '${formatDate(date!)} · ${count == 1 ? '1 tx' : '$count txs'}',
+      child: InkWell(
+        onTap: () => onSelect(selected ? null : date),
+        borderRadius: BorderRadius.circular(6),
+        child: AnimatedContainer(
+          duration: const Duration(milliseconds: 150),
+          height: 36,
+          alignment: Alignment.center,
+          decoration: BoxDecoration(
+            color: fill,
+            borderRadius: BorderRadius.circular(6),
+            border: Border.all(
+              color: selected
+                  ? scheme.primary
+                  : isToday
+                      ? scheme.outline
+                      : Colors.transparent,
+              width: selected ? 2 : 1,
+            ),
+          ),
+          child: Text(
+            '${date!.day}',
+            style: Theme.of(context).textTheme.labelMedium?.copyWith(
+                  color: textColor,
+                  fontWeight: isToday || selected
+                      ? FontWeight.w700
+                      : FontWeight.w500,
+                  fontSize: 11,
+                ),
+          ),
+        ),
+      ),
+    );
+  }
+}
+
+Color _fillForLevel(ColorScheme scheme, int level) {
+  if (level <= 0) return scheme.surfaceContainerHighest;
+  final t = (level / 4).clamp(0.28, 1.0);
+  return Color.lerp(scheme.primary.withValues(alpha: 0.22), scheme.primary, t)!;
+}

pubspec.lock

@@ -81,6 +81,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "1.0.9"
+  equatable:
+    dependency: transitive
+    description:
+      name: equatable
+      sha256: "3bce007a596ff8b3119c45d68aaef631272537c03d30e5d4534dd24bf4c5eaa2"
+      url: "https://pub.dev"
+    source: hosted
+    version: "2.1.0"
   fake_async:
     dependency: transitive
     description:
@@ -105,6 +113,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "7.0.1"
+  fl_chart:
+    dependency: "direct main"
+    description:
+      name: fl_chart
+      sha256: b938f77d042cbcd822936a7a359a7235bad8bd72070de1f827efc2cc297ac888
+      url: "https://pub.dev"
+    source: hosted
+    version: "1.2.0"
   flutter:
     dependency: "direct main"
     description: flutter

pubspec.yaml

@@ -39,7 +39,7 @@ dependencies:
   shared_preferences: ^2.5.5 # Persist theme mode and data-source toggle
   app_links: ^7.2.1
   webview_flutter: ^4.14.1
-
+  fl_chart: ^1.2.0
 dev_dependencies:
   flutter_test:
     sdk: flutter

test/widget_test.dart

@@ -1,9 +1,11 @@
 import 'package:flutter_test/flutter_test.dart';
 import 'package:myapp/main.dart';
 import 'package:myapp/models/bank.dart';
+import 'package:myapp/models/transaction_meta.dart';
 import 'package:myapp/services/storage_service.dart';
 import 'package:myapp/utils/constants.dart';
 import 'package:myapp/utils/helpers.dart';
+import 'package:myapp/utils/look_ahead.dart';
 import 'package:shared_preferences/shared_preferences.dart';
 
 void main() {
@@ -16,7 +18,7 @@ void main() {
     await tester.pumpWidget(MyApp(storage: storage));
   }
 
-  testWidgets('splash shows the app name then opens Balance', (tester) async {
+  testWidgets('splash shows the app name then opens Home', (tester) async {
     await pumpApp(tester);
 
     expect(find.text(kAppName), findsWidgets);
@@ -25,9 +27,9 @@ void main() {
     await tester.pump(const Duration(milliseconds: 450));
     await tester.pump(const Duration(milliseconds: 350));
 
-    expect(find.text('Balance'), findsWidgets);
+    expect(find.text('Home'), findsWidgets);
-    expect(find.text('Transactions'), findsOneWidget);
+    expect(find.text('Overview'), findsOneWidget);
-    expect(find.text('Settings'), findsOneWidget);
+    expect(find.byTooltip('Settings'), findsOneWidget);
   });
 
   test('ConnectStart.fromJson maps authUrl and state', () {
@@ -39,16 +41,47 @@ void main() {
     expect(start.state, 'abc');
   });
 
-  test('BankTransaction.fromJson maps API fields', () {
+  test('BankTransaction match keys support auto-category and notes', () {
     final tx = BankTransaction.fromJson({
       'date': '2026-09-01',
-      'description': 'Coffee',
+      'description': 'Coffee Shop',
       'amount': -3.5,
       'currency': 'EUR',
       'pending': false,
     });
-    expect(tx.description, 'Coffee');
+    expect(tx.descriptionKey, 'coffee shop');
-    expect(tx.amount, -3.5);
+    expect(tx.exactKey, contains('coffee shop'));
+    expect(tx.exactKey, contains('-3.5'));
     expect(formatMoney(tx.amount, tx.currency), contains('EUR'));
+    expect(TxCategory.groceries.label, 'Groceries');
+  });
+
+  test('look-ahead applies monthly recurring amounts', () {
+    final items = [
+      const RecurringItem(
+        description: 'Salary',
+        amount: 2000,
+        currency: 'EUR',
+        dayOfMonth: 25,
+        category: TxCategory.salary,
+      ),
+      const RecurringItem(
+        description: 'Rent',
+        amount: -900,
+        currency: 'EUR',
+        dayOfMonth: 1,
+        category: TxCategory.mortgage,
+      ),
+    ];
+    final from = DateTime(2026, 9, 6);
+    final through = DateTime(2026, 10, 31);
+    final predicted = predictBalance(
+      currentBalance: 1000,
+      from: from,
+      throughDate: through,
+      items: items,
+    );
+    // Sep 25 salary + Oct 1 rent + Oct 25 salary = 1000+2000-900+2000
+    expect(predicted, 4100);
   });
 }