diff --git a/HISTORY.md b/HISTORY.md
index fbae9ba..7e065a7 100644
--- a/HISTORY.md
+++ b/HISTORY.md
@@ -9,6 +9,10 @@
 
 - **[Tracker] Killed the getTracker N+1 (was ~2–3 DB round-trips × N bills every home-page load)** — inside `bills.map`, `getTracker` ran a payments query per bill (`fetchPaymentsForBillCycle`) plus `computeAmountSuggestion` per bill, and the suggestion alone fired up to 12 queries per bill (6 months × 2) — roughly 70–450 queries for a 35-bill account on every Tracker load. Now one query fetches all bills' cycle payments (grouped in JS by each bill's own range) and two queries compute all amount suggestions (`computeAmountSuggestionsBatch`), replacing the per-bill loops. Behavior-preserving — `tests/amountSuggestionService.test.js` pins the batched suggestion to be byte-identical to the per-bill function, and the `trackerService` tests still pass unchanged. (Tracker P1)
 
+### 🎨 Tracker summary cards
+
+- **[Tracker] Fixed the two identical "Paid" boxes + surfaced Remaining + month-progress** — the summary row rendered `SummaryCard type="paid"` **twice** (this month and last month), visually indistinguishable, while the actionable *remaining* number only lived in the CashFlow card below. Now the previous-month figure is a muted **"Last month: $X" hint** under Total Paid (not a second green box), and a **Remaining** card (the existing-but-unused blue card type) surfaces `summary.remaining` when there's no bank hero (in bank mode the hero already shows the projected remaining, so it isn't duplicated). Added a compact **"$X of $Y paid · N bills left"** progress line under the cards. Respects the `tracker_show_summary_cards` setting; light/dark + a11y unchanged. *(The Playwright visual baseline for `/` may need a refresh via `npm run test:e2e:update` since the card row changed intentionally.)* (Tracker T3)
+
 ### 🚀 Tracker modern UX
 
 - **[Tracker] Optimistic pay/skip + `toast.promise` on long syncs** — marking a bill paid/unpaid now flips the row **instantly** (optimistic local state) and rolls back on error, instead of waiting for the server round-trip before updating — on both the desktop and mobile rows. And the bank sync (Tracker) and the bill-modal "Sync" now use sonner's `toast.promise` — one toast that transitions loading → done → error, replacing the manual spinner-flag + separate success/error toasts. (Tracker M1/M2)
diff --git a/client/pages/TrackerPage.jsx b/client/pages/TrackerPage.jsx
index 5cf23fc..119ccae 100644
--- a/client/pages/TrackerPage.jsx
+++ b/client/pages/TrackerPage.jsx
@@ -846,13 +846,39 @@ export default function TrackerPage() {
               onEdit={() => setEditStartingOpen(true)}
             />
           )}
-          <SummaryCard type="paid"      value={summary.total_paid} />
+          <SummaryCard
+            type="paid"
+            value={summary.total_paid}
+            hint={summary.previous_month_total > 0 ? `Last month: ${fmt(summary.previous_month_total)}` : undefined}
+          />
+          {/* In bank mode the hero card already surfaces the projected remaining,
+              so only show the Remaining card when there's no bank hero. */}
+          {!bankTracking?.enabled && (
+            <SummaryCard
+              type="remaining"
+              value={summary.remaining}
+              hint={summary.remaining_label || undefined}
+            />
+          )}
           <SummaryCard type="overdue"   value={summary.overdue} />
-          <SummaryCard type="paid"      value={summary.previous_month_total} hint="Previous month"/>
           {summary.trend && <TrendCard trend={summary.trend} />}
         </div>
       ) : null}
 
+      {/* Compact month-progress line — quick "how far through the month am I?" */}
+      {showSummaryCards && !loading && !isError && summary?.total_expected > 0 && (() => {
+        const billsLeft = (summary.count_upcoming ?? 0) + (summary.count_late ?? 0);
+        return (
+          <p className="px-1 -mt-1 text-[11px] text-muted-foreground">
+            <span className="font-mono font-semibold text-foreground">{fmt(summary.paid_toward_due)}</span>
+            {' of '}
+            <span className="font-mono">{fmt(summary.total_expected)}</span>
+            {' paid'}
+            {billsLeft > 0 && <> · {billsLeft} bill{billsLeft === 1 ? '' : 's'} left</>}
+          </p>
+        );
+      })()}
+
       {/* ── Safe to Spend ── */}
       {!isError && !loading && showSafeToSpend && isCurrentMonth && cashflow && (
         <CashFlowCard