diff --git a/client/api.js b/client/api.js
index 48bd432..16d63f9 100644
--- a/client/api.js
+++ b/client/api.js
@@ -137,6 +137,8 @@ export const api = {
   // Tracker
   tracker:            (y, m, params = {}) => get(`/tracker${queryString({ year: y, month: m, ...params })}`),
   upcomingBills:      (days = 30) => get(`/tracker/upcoming?days=${days}`),
+  overdueCount:       ()          => get('/tracker/overdue-count'),
+  snoozeOverdue:      (id, data)  => put(`/bills/${id}/monthly-state`, data),
 
   // Calendar
   calendar:           (y, m)      => get(`/calendar?year=${y}&month=${m}`),
diff --git a/client/components/layout/NavPill.jsx b/client/components/layout/NavPill.jsx
index cb5c4e7..8ca4c7a 100644
--- a/client/components/layout/NavPill.jsx
+++ b/client/components/layout/NavPill.jsx
@@ -2,7 +2,7 @@ import React, { useMemo } from 'react';
 import { NavLink } from 'react-router-dom';
 import { cn } from '@/lib/utils';
 
-export const NavPill = React.memo(function NavPill({ item, onNavigate }) {
+export const NavPill = React.memo(function NavPill({ item, onNavigate, badge }) {
   const Icon = useMemo(() => item.icon, [item.icon]);
   const to = useMemo(() => item.to, [item.to]);
   const end = useMemo(() => item.end, [item.end]);
@@ -23,6 +23,11 @@ export const NavPill = React.memo(function NavPill({ item, onNavigate }) {
     >
       <Icon className="h-4 w-4" />
       <span>{label}</span>
+      {badge > 0 && (
+        <span className="ml-0.5 flex h-4 min-w-[1rem] items-center justify-center rounded-full bg-rose-500 px-1 text-[10px] font-bold leading-none text-white">
+          {badge > 99 ? '99+' : badge}
+        </span>
+      )}
     </NavLink>
   );
 });
diff --git a/client/components/layout/Sidebar.jsx b/client/components/layout/Sidebar.jsx
index 30d8b15..44850bd 100644
--- a/client/components/layout/Sidebar.jsx
+++ b/client/components/layout/Sidebar.jsx
@@ -7,6 +7,7 @@ import {
 } from 'lucide-react';
 import { cn } from '@/lib/utils';
 import { useAuth } from '@/hooks/useAuth';
+import { useOverdueCount } from '@/hooks/useQueries';
 import { ThemeToggle } from '@/components/ui/theme-toggle';
 import { Button } from '@/components/ui/button';
 import {
@@ -42,7 +43,7 @@ const trackerItems = [
   { to: '/snowball', icon: TrendingDown, label: 'Snowball' },
 ];
 
-function TrackerMenu({ onNavigate }) {
+function TrackerMenu({ onNavigate, badge }) {
   const location = useLocation();
   const navigate = useNavigate();
   const isTrackerActive = useMemo(() => trackerItems.some(item => (
@@ -65,6 +66,11 @@ function TrackerMenu({ onNavigate }) {
         >
           <LayoutGrid className="h-4 w-4" />
           Tracker
+          {badge > 0 && (
+            <span className="flex h-4 min-w-[1rem] items-center justify-center rounded-full bg-rose-500 px-1 text-[10px] font-bold leading-none text-white">
+              {badge > 99 ? '99+' : badge}
+            </span>
+          )}
           <ChevronDown className="h-3.5 w-3.5 opacity-75" />
         </button>
       </DropdownMenuTrigger>
@@ -169,6 +175,8 @@ export default function Sidebar({ adminMode = false }) {
   const [mobileOpen, setMobileOpen] = useState(false);
   const { user } = useAuth();
   const items = useMemo(() => adminMode ? adminNavItems : userNavItems, [adminMode]);
+  const { data: overdueData } = useOverdueCount();
+  const overdueCount = (!adminMode && overdueData?.count) ? overdueData.count : 0;
 
   return (
     <header className="sticky top-0 z-40 border-b border-border/80 bg-card/95 shadow-sm shadow-foreground/10 backdrop-blur-md supports-[backdrop-filter]:bg-card/90">
@@ -176,7 +184,7 @@ export default function Sidebar({ adminMode = false }) {
         <BrandBlock adminMode={adminMode} />
 
         <nav className="hidden items-center gap-1 lg:flex">
-          {!adminMode && <TrackerMenu />}
+          {!adminMode && <TrackerMenu badge={overdueCount} />}
           {items.map(item => (
             <NavPill key={item.to} item={item} />
           ))}
@@ -218,7 +226,12 @@ export default function Sidebar({ adminMode = false }) {
         <div className="max-h-[70vh] overflow-y-auto border-t border-border/70 bg-card/95 px-4 py-3 shadow-lg shadow-foreground/10 lg:hidden">
           <nav className="mx-auto grid max-w-[1500px] gap-1">
             {!adminMode && trackerItems.map(item => (
-              <NavPill key={item.to} item={item} onNavigate={() => setMobileOpen(false)} />
+              <NavPill
+                key={item.to}
+                item={item}
+                onNavigate={() => setMobileOpen(false)}
+                badge={item.to === '/' ? overdueCount : undefined}
+              />
             ))}
             {items.map(item => (
               <NavPill key={item.to} item={item} onNavigate={() => setMobileOpen(false)} />
diff --git a/client/components/tracker/OverdueCommandCenter.jsx b/client/components/tracker/OverdueCommandCenter.jsx
new file mode 100644
index 0000000..bdcce75
--- /dev/null
+++ b/client/components/tracker/OverdueCommandCenter.jsx
@@ -0,0 +1,228 @@
+import React, { useState } from 'react';
+import { AlertCircle, ChevronDown, BellOff, SkipForward, CreditCard } from 'lucide-react';
+import { toast } from 'sonner';
+import { api } from '@/api.js';
+import { cn, fmt } from '@/lib/utils';
+import { Button } from '@/components/ui/button';
+import { Badge } from '@/components/ui/badge';
+import { Collapsible, CollapsibleTrigger, CollapsibleContent } from '@/components/ui/collapsible';
+import {
+  DropdownMenu,
+  DropdownMenuTrigger,
+  DropdownMenuContent,
+  DropdownMenuItem,
+} from '@/components/ui/dropdown-menu';
+
+function snoozeUntil(days) {
+  const d = new Date();
+  d.setDate(d.getDate() + days);
+  return d.toISOString().slice(0, 10);
+}
+
+function daysOverdueLabel(dueDate) {
+  if (!dueDate) return 'overdue';
+  const today = new Date();
+  today.setHours(0, 0, 0, 0);
+  const due = new Date(`${dueDate}T00:00:00`);
+  const days = Math.floor((today - due) / 86_400_000);
+  if (days <= 0) return 'due today';
+  return `${days} ${days === 1 ? 'day' : 'days'} overdue`;
+}
+
+function OverdueRow({ row, year, month, onPayNow, onRefresh }) {
+  const [loading, setLoading] = useState(false);
+  const threshold = row.actual_amount ?? row.expected_amount;
+
+  async function handleSkip() {
+    setLoading(true);
+    try {
+      await api.saveBillMonthlyState(row.id, {
+        year,
+        month,
+        is_skipped: true,
+        actual_amount: row.actual_amount,
+        notes: row.monthly_notes,
+      });
+      onRefresh();
+    } catch {
+      toast.error('Failed to skip bill');
+    } finally {
+      setLoading(false);
+    }
+  }
+
+  async function handleSnooze(days) {
+    setLoading(true);
+    try {
+      await api.snoozeOverdue(row.id, {
+        year,
+        month,
+        snoozed_until: snoozeUntil(days),
+        actual_amount: row.actual_amount,
+        notes: row.monthly_notes,
+        is_skipped: false,
+      });
+      toast.success(`Snoozed for ${days} ${days === 1 ? 'day' : 'days'}`);
+      onRefresh();
+    } catch {
+      toast.error('Failed to snooze bill');
+    } finally {
+      setLoading(false);
+    }
+  }
+
+  return (
+    <div className="flex flex-wrap items-center gap-x-3 gap-y-2 py-2.5 sm:flex-nowrap">
+      {/* Bill info */}
+      <div className="flex min-w-0 flex-1 flex-col gap-0.5">
+        <div className="flex flex-wrap items-center gap-1.5">
+          <span className="truncate text-sm font-medium text-foreground">{row.name}</span>
+          {row.category_name && (
+            <Badge variant="secondary" className="shrink-0 px-1.5 py-0 text-[10px]">
+              {row.category_name}
+            </Badge>
+          )}
+        </div>
+        <span className="text-xs text-rose-400 dark:text-rose-300">
+          {daysOverdueLabel(row.due_date)}
+        </span>
+      </div>
+
+      {/* Amount */}
+      <span className="shrink-0 font-mono text-sm font-semibold text-rose-400 dark:text-rose-300">
+        {fmt(threshold)}
+      </span>
+
+      {/* Actions */}
+      <div className="flex shrink-0 items-center gap-1">
+        <Button
+          size="sm"
+          variant="outline"
+          className="h-7 gap-1.5 border-rose-400/40 px-2.5 text-xs text-rose-500 hover:border-rose-400/70 hover:bg-rose-500/[0.08] hover:text-rose-400"
+          disabled={loading}
+          onClick={() => onPayNow(row)}
+        >
+          <CreditCard className="h-3 w-3" />
+          Pay Now
+        </Button>
+
+        <Button
+          size="sm"
+          variant="ghost"
+          className="h-7 px-2.5 text-xs text-muted-foreground hover:text-foreground"
+          disabled={loading}
+          onClick={handleSkip}
+        >
+          <SkipForward className="h-3 w-3 mr-1" />
+          Skip
+        </Button>
+
+        <DropdownMenu>
+          <DropdownMenuTrigger asChild>
+            <Button
+              size="sm"
+              variant="ghost"
+              className="h-7 px-2.5 text-xs text-muted-foreground hover:text-foreground"
+              disabled={loading}
+            >
+              <BellOff className="h-3 w-3 mr-1" />
+              Snooze
+              <ChevronDown className="ml-0.5 h-2.5 w-2.5 opacity-60" />
+            </Button>
+          </DropdownMenuTrigger>
+          <DropdownMenuContent align="end" className="min-w-[120px]">
+            <DropdownMenuItem onClick={() => handleSnooze(1)}>1 day</DropdownMenuItem>
+            <DropdownMenuItem onClick={() => handleSnooze(3)}>3 days</DropdownMenuItem>
+            <DropdownMenuItem onClick={() => handleSnooze(7)}>7 days</DropdownMenuItem>
+          </DropdownMenuContent>
+        </DropdownMenu>
+      </div>
+    </div>
+  );
+}
+
+export default function OverdueCommandCenter({ rows, year, month, refresh, onPayNow }) {
+  const todayStr = new Date().toISOString().slice(0, 10);
+  const [isOpen, setIsOpen] = useState(true);
+
+  const overdueRows = rows.filter(r =>
+    (r.status === 'late' || r.status === 'missed') &&
+    !r.is_skipped &&
+    (!r.snoozed_until || r.snoozed_until <= todayStr)
+  );
+
+  const snoozedRows = rows.filter(r =>
+    (r.status === 'late' || r.status === 'missed') &&
+    !r.is_skipped &&
+    r.snoozed_until && r.snoozed_until > todayStr
+  );
+
+  if (overdueRows.length === 0 && snoozedRows.length === 0) return null;
+
+  const totalOverdue = overdueRows.reduce((sum, r) => {
+    const threshold = r.actual_amount ?? r.expected_amount;
+    const paid = r.total_paid ?? 0;
+    return sum + Math.max(0, threshold - paid);
+  }, 0);
+
+  return (
+    <Collapsible open={isOpen} onOpenChange={setIsOpen}>
+      <div className="rounded-xl border border-rose-400/30 bg-rose-500/[0.06] shadow-sm overflow-hidden dark:bg-rose-400/[0.05]">
+
+        {/* Header */}
+        <CollapsibleTrigger asChild>
+          <button className="flex w-full items-center justify-between px-4 py-3 transition-colors hover:bg-rose-500/[0.04] focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-rose-400/40 focus-visible:ring-inset">
+            <div className="flex items-center gap-2.5">
+              <AlertCircle className="h-4 w-4 shrink-0 text-rose-400" />
+              <span className="text-sm font-semibold text-foreground">
+                {overdueRows.length === 0
+                  ? 'No active overdue bills'
+                  : `${overdueRows.length} overdue ${overdueRows.length === 1 ? 'bill' : 'bills'}`}
+              </span>
+              {overdueRows.length > 0 && (
+                <span className="font-mono text-sm text-rose-400 dark:text-rose-300">
+                  {fmt(totalOverdue)}
+                </span>
+              )}
+            </div>
+            <div className="flex items-center gap-3">
+              {snoozedRows.length > 0 && (
+                <span className="text-xs text-muted-foreground">
+                  ({snoozedRows.length} snoozed)
+                </span>
+              )}
+              <ChevronDown
+                className={cn(
+                  'h-4 w-4 text-muted-foreground transition-transform duration-200',
+                  isOpen && 'rotate-180'
+                )}
+              />
+            </div>
+          </button>
+        </CollapsibleTrigger>
+
+        {/* Bill rows */}
+        <CollapsibleContent>
+          {overdueRows.length > 0 ? (
+            <div className="divide-y divide-border/40 px-4 pb-2">
+              {overdueRows.map(row => (
+                <OverdueRow
+                  key={row.id}
+                  row={row}
+                  year={year}
+                  month={month}
+                  onPayNow={onPayNow}
+                  onRefresh={refresh}
+                />
+              ))}
+            </div>
+          ) : (
+            <p className="px-4 pb-3 text-xs text-muted-foreground">
+              All overdue bills are snoozed.
+            </p>
+          )}
+        </CollapsibleContent>
+      </div>
+    </Collapsible>
+  );
+}
diff --git a/client/hooks/useQueries.js b/client/hooks/useQueries.js
index 92a254f..7fe9777 100644
--- a/client/hooks/useQueries.js
+++ b/client/hooks/useQueries.js
@@ -29,4 +29,15 @@ export function useCategories() {
     staleTime: 1000 * 60 * 60, // 1 hour
     cacheTime: 1000 * 60 * 60 * 2, // 2 hours
   });
+}
+
+// Lightweight overdue count for sidebar badge — polls every 5 minutes
+export function useOverdueCount() {
+  return useQuery({
+    queryKey: ['overdue-count'],
+    queryFn: () => api.overdueCount(),
+    staleTime: 1000 * 60 * 2,           // 2 minutes
+    refetchInterval: 1000 * 60 * 5,     // poll every 5 minutes
+    refetchIntervalInBackground: false,  // only when tab is active
+  });
 }
\ No newline at end of file
diff --git a/client/lib/version.js b/client/lib/version.js
index 1f60997..5858097 100644
--- a/client/lib/version.js
+++ b/client/lib/version.js
@@ -6,9 +6,13 @@ export const APP_NAME    = 'BillTracker';
 
 export const RELEASE_NOTES = {
   version: APP_VERSION,
-  date: '2026-05-29',
-  version: APP_VERSION,
+  date: '2026-05-30',
   highlights: [
+    {
+      icon: '🔔',
+      title: 'Overdue Command Center',
+      desc: 'Tracker page now shows a collapsible command center for overdue bills. Per-bill Pay Now, Skip, and Snooze (1/3/7 days). Snoozed bills are hidden with a count hint. Sidebar badge shows live overdue count, polled every 5 minutes.',
+    },
     {
       icon: '🧠',
       title: 'Advisory non-bill transaction filters',
diff --git a/client/pages/TrackerPage.jsx b/client/pages/TrackerPage.jsx
index 5a60cb6..ccab575 100644
--- a/client/pages/TrackerPage.jsx
+++ b/client/pages/TrackerPage.jsx
@@ -28,6 +28,7 @@ import { Label } from '@/components/ui/label';
 import MonthlyStateDialog from '@/components/tracker/MonthlyStateDialog';
 import StartingAmountsEditDialog from '@/components/tracker/StartingAmountsEditDialog';
 import PaymentModal from '@/components/tracker/PaymentModal';
+import OverdueCommandCenter from '@/components/tracker/OverdueCommandCenter';
 const MONTHS = [
   'January','February','March','April','May','June',
   'July','August','September','October','November','December',
@@ -1824,6 +1825,9 @@ export default function TrackerPage() {
     debt: false,
   });
 
+  // Row to open in PaymentLedgerDialog via the overdue command center
+  const [commandCenterPayRow, setCommandCenterPayRow] = useState(null);
+
   // Use React Query for data fetching
   const { data, isLoading: loading, isError, error, refetch } = useTracker(year, month);
 
@@ -2053,6 +2057,17 @@ export default function TrackerPage() {
         </div>
       )}
 
+      {/* ── Overdue Command Center ── */}
+      {!isError && !loading && (summary?.count_late ?? 0) > 0 && (
+        <OverdueCommandCenter
+          rows={rows}
+          year={year}
+          month={month}
+          refresh={refetch}
+          onPayNow={(row) => setCommandCenterPayRow(row)}
+        />
+      )}
+
       {/* ── Fetch error state ── */}
       {isError && (
         <div className="flex flex-col items-center justify-center py-20 text-center rounded-xl border border-destructive/20 bg-destructive/5">
@@ -2152,6 +2167,19 @@ export default function TrackerPage() {
         onSave={() => { setEditStartingOpen(false); refetch(); }}
       />
 
+      {/* PaymentLedgerDialog opened via Overdue Command Center "Pay Now" */}
+      {commandCenterPayRow && (
+        <PaymentLedgerDialog
+          row={commandCenterPayRow}
+          year={year}
+          month={month}
+          threshold={commandCenterPayRow.actual_amount ?? commandCenterPayRow.expected_amount}
+          defaultPaymentDate={paymentDateForTrackerMonth(year, month, commandCenterPayRow.due_day)}
+          onClose={() => setCommandCenterPayRow(null)}
+          onSaved={() => { setCommandCenterPayRow(null); refetch(); }}
+        />
+      )}
+
     </div>
   );
 }
diff --git a/db/database.js b/db/database.js
index b466e26..02d1df9 100644
--- a/db/database.js
+++ b/db/database.js
@@ -2417,6 +2417,14 @@ function runMigrations() {
       run: function() {
         runSubscriptionCatalogV2Migration(db);
       }
+    },
+    {
+      version: 'v0.70',
+      description: 'monthly_bill_state: add snoozed_until for overdue command center',
+      dependsOn: ['v0.69'],
+      run: function() {
+        db.exec('ALTER TABLE monthly_bill_state ADD COLUMN snoozed_until TEXT');
+      }
     }
   ];
 
diff --git a/db/schema.sql b/db/schema.sql
index 03020c9..9641315 100644
--- a/db/schema.sql
+++ b/db/schema.sql
@@ -219,6 +219,7 @@ CREATE TABLE IF NOT EXISTS monthly_bill_state (
   actual_amount REAL,           -- NULL = use bill.expected_amount for this month
   notes         TEXT,           -- month-specific notes, NULL = no notes
   is_skipped    INTEGER NOT NULL DEFAULT 0,  -- 1 = hidden/removed for this month only
+  snoozed_until TEXT,           -- ISO date: hide from overdue command center until this date
   created_at    TEXT DEFAULT (datetime('now')),
   updated_at    TEXT DEFAULT (datetime('now')),
   UNIQUE(bill_id, year, month)
diff --git a/package.json b/package.json
index 58e4ad8..1e38248 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "bill-tracker",
-  "version": "0.33.8.7",
+  "version": "0.34.0",
   "description": "Monthly bill tracking system",
   "main": "server.js",
   "scripts": {
diff --git a/routes/bills.js b/routes/bills.js
index b6a167c..cab8931 100644
--- a/routes/bills.js
+++ b/routes/bills.js
@@ -178,7 +178,7 @@ router.put('/:id/monthly-state', (req, res) => {
   if (!db.prepare('SELECT id FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(billId, req.user.id))
     return res.status(404).json(standardizeError('Bill not found', 'NOT_FOUND', 'bill_id'));
 
-  const { year, month, actual_amount, notes, is_skipped } = req.body;
+  const { year, month, actual_amount, notes, is_skipped, snoozed_until } = req.body;
 
   const y = parseInt(year,  10);
   const m = parseInt(month, 10);
@@ -193,19 +193,26 @@ router.put('/:id/monthly-state', (req, res) => {
       return res.status(400).json(standardizeError('actual_amount must be a non-negative number or null', 'VALIDATION_ERROR', 'actual_amount'));
   }
 
-  const amt      = actual_amount !== undefined ? (actual_amount === null ? null : parseFloat(actual_amount)) : null;
-  const noteVal  = notes      !== undefined ? (notes      || null) : null;
-  const skipVal  = is_skipped !== undefined ? (is_skipped ? 1 : 0) : 0;
+  if (snoozed_until !== undefined && snoozed_until !== null) {
+    if (!/^\d{4}-\d{2}-\d{2}$/.test(snoozed_until))
+      return res.status(400).json(standardizeError('snoozed_until must be an ISO date string (YYYY-MM-DD) or null', 'VALIDATION_ERROR', 'snoozed_until'));
+  }
+
+  const amt        = actual_amount  !== undefined ? (actual_amount  === null ? null : parseFloat(actual_amount)) : null;
+  const noteVal    = notes          !== undefined ? (notes          || null) : null;
+  const skipVal    = is_skipped     !== undefined ? (is_skipped     ? 1 : 0) : 0;
+  const snoozeVal  = snoozed_until  !== undefined ? (snoozed_until  || null) : null;
 
   db.prepare(`
-    INSERT INTO monthly_bill_state (bill_id, year, month, actual_amount, notes, is_skipped, updated_at)
-    VALUES (?, ?, ?, ?, ?, ?, datetime('now'))
+    INSERT INTO monthly_bill_state (bill_id, year, month, actual_amount, notes, is_skipped, snoozed_until, updated_at)
+    VALUES (?, ?, ?, ?, ?, ?, ?, datetime('now'))
     ON CONFLICT(bill_id, year, month) DO UPDATE SET
       actual_amount = excluded.actual_amount,
       notes         = excluded.notes,
       is_skipped    = excluded.is_skipped,
+      snoozed_until = excluded.snoozed_until,
       updated_at    = datetime('now')
-  `).run(billId, y, m, amt, noteVal, skipVal);
+  `).run(billId, y, m, amt, noteVal, skipVal, snoozeVal);
 
   const saved = db.prepare(
     'SELECT * FROM monthly_bill_state WHERE bill_id=? AND year=? AND month=?'
@@ -218,6 +225,7 @@ router.put('/:id/monthly-state', (req, res) => {
     actual_amount: saved.actual_amount,
     notes:         saved.notes,
     is_skipped:    !!saved.is_skipped,
+    snoozed_until: saved.snoozed_until ?? null,
     created_at:    saved.created_at,
     updated_at:    saved.updated_at,
   });
diff --git a/routes/tracker.js b/routes/tracker.js
index d283687..c5af6fc 100644
--- a/routes/tracker.js
+++ b/routes/tracker.js
@@ -1,6 +1,11 @@
 const express = require('express');
 const router = express.Router();
-const { getTracker, getUpcomingBills } = require('../services/trackerService');
+const { getTracker, getUpcomingBills, getOverdueCount } = require('../services/trackerService');
+
+// GET /api/tracker/overdue-count — lightweight count for sidebar badge
+router.get('/overdue-count', (req, res) => {
+  res.json(getOverdueCount(req.user.id));
+});
 
 // GET /api/tracker?year=2026&month=5
 router.get('/', (req, res) => {
diff --git a/services/trackerService.js b/services/trackerService.js
index 1ee68f8..a6642e9 100644
--- a/services/trackerService.js
+++ b/services/trackerService.js
@@ -54,7 +54,7 @@ function fetchMonthlyStates(db, billIds, year, month) {
   if (billIds.length === 0) return {};
   const placeholders = billIds.map(() => '?').join(',');
   const rows = db.prepare(`
-    SELECT bill_id, actual_amount, notes, is_skipped
+    SELECT bill_id, actual_amount, notes, is_skipped, snoozed_until
     FROM monthly_bill_state
     WHERE bill_id IN (${placeholders}) AND year = ? AND month = ?
   `).all(...billIds, year, month);
@@ -268,6 +268,7 @@ function getTracker(userId, query = {}, now = new Date()) {
     row.actual_amount = mbs?.actual_amount ?? null;
     row.monthly_notes = mbs?.notes ?? null;
     row.is_skipped = !!(mbs?.is_skipped);
+    row.snoozed_until = mbs?.snoozed_until ?? null;
     if (autopaySuggestion) row.autopay_suggestion = autopaySuggestion;
     row.previous_month_paid = prevMonthPayments[bill.id] || 0;
     row.amount_suggestion = computeAmountSuggestion(db, bill.id, year, month);
@@ -387,8 +388,52 @@ function getUpcomingBills(userId, query = {}, now = new Date()) {
   return { days, today: todayStr, upcoming };
 }
 
+function getOverdueCount(userId, now = new Date()) {
+  const db = getDb();
+  const todayStr = now.toISOString().slice(0, 10);
+  const year  = now.getFullYear();
+  const month = now.getMonth() + 1;
+  const monthStr = String(month).padStart(2, '0');
+  const rangeStart = `${year}-${monthStr}-01`;
+  const lastDay    = new Date(year, month, 0).getDate();
+  const rangeEnd   = `${year}-${monthStr}-${String(lastDay).padStart(2, '0')}`;
+
+  const bills = db.prepare(`
+    SELECT b.id, b.due_day, b.override_due_date, b.expected_amount,
+           b.billing_cycle, b.cycle_type, b.cycle_day,
+           b.autopay_enabled, b.autodraft_status,
+           mbs.actual_amount, mbs.is_skipped, mbs.snoozed_until,
+           COALESCE(SUM(p.amount), 0) AS total_paid
+    FROM bills b
+    LEFT JOIN monthly_bill_state mbs
+      ON mbs.bill_id = b.id AND mbs.year = ? AND mbs.month = ?
+    LEFT JOIN payments p
+      ON p.bill_id = b.id AND p.paid_date BETWEEN ? AND ? AND p.deleted_at IS NULL
+    WHERE b.user_id = ? AND b.active = 1 AND b.deleted_at IS NULL
+    GROUP BY b.id
+  `).all(year, month, rangeStart, rangeEnd, userId);
+
+  let count = 0;
+  for (const bill of bills) {
+    if (bill.is_skipped) continue;
+    if (bill.snoozed_until && bill.snoozed_until > todayStr) continue;
+    if (bill.autopay_enabled && bill.autodraft_status === 'assumed_paid') continue;
+
+    const dueDate = resolveDueDate(bill, year, month);
+    if (!dueDate || dueDate > todayStr) continue;
+
+    const threshold = bill.actual_amount != null ? bill.actual_amount : bill.expected_amount;
+    if (threshold > 0 && bill.total_paid >= threshold) continue;
+
+    count++;
+  }
+
+  return { count, month, year, today: todayStr };
+}
+
 module.exports = {
   getTracker,
   getUpcomingBills,
   validateTrackerMonth,
+  getOverdueCount,
 };