feat: SimpleFIN bank budget tracking with live balance, pending payments, bank tracking mode

- Opt-in Bank Budget Tracking mode replaces manual starting amounts with live bank balance
- Calendar money map shows Balance / Pending / Unpaid Bills / After Bills in bank mode
- Pending badge (amber) on tracker rows within configurable pending window (0-7 days)
- New GET /api/data-sources/accounts/all endpoint for account picker
- Tracker starting-amounts card shows account name and live balance hint

HISTORY.md

@@ -16,10 +16,16 @@
 
 ### ✨ Features
 
+- **SimpleFIN bank budget tracking** — A new opt-in mode replaces manually-entered starting amounts with the live balance of a connected bank account. When enabled from the Bank Sync settings page (Data → Bank Sync → Bank Budget Tracking), the user selects which financial account to track and configures a pending payment window (0–7 days, default 3). Budget remaining is calculated as: `bank balance − pending payments − unpaid bills this month`. Bills already marked paid are not double-counted — the bank balance already reflects them. Payments made within the pending window appear in the tracker with an amber **Pending** badge, flagging that the bank may not have processed the debit yet. The CalendarPage Monthly Money Map switches to four live metrics (Balance / Pending / Unpaid Bills / After Bills) when bank mode is active. The TrackerPage starting-amounts card shows the account name and "live balance" hint; the manual-edit button is hidden since there is nothing to manually set. Implementation: three new `user_settings` keys (`bank_tracking_enabled`, `bank_tracking_account_id`, `bank_tracking_pending_days`), a new `GET /api/data-sources/accounts/all` endpoint for the account picker, `buildBankTrackingSummary()` in both `summary.js` and `trackerService.js`, and `pending_cleared` flag on tracker rows.
+
 - **404 page** — Unknown routes previously silently redirected to `/` with no feedback. Replaced both catch-all routes (`path="*"` inside the auth layout and at the top level) with a dedicated `NotFoundPage`. The page is standalone (no sidebar), theme-aware, and works for authenticated and unauthenticated users alike. Design features: a glitch counter that cycles each digit of "404" through random numbers before snapping to value (staggered by 180 ms per digit), a CSS mesh gradient background with primary-color radial glows, a 48 px grid overlay faded with a radial mask, a gradient clip-text `404` that scales from `6rem` to `14rem` via `clamp()`, and smart CTAs — "Go back" only appears when browser history exists, and the home button adapts to auth state. The bad path is shown inline in a `<code>` tag so the user knows what they typed.
 
 ### 🐛 Fixed
 
+- **Snowball order PATCH validates all rows before writing** — `PATCH /api/snowball/order` previously iterated through the submitted array with a `continue` on invalid entries, silently skipping bad rows and always returning `{ success: true }`. Any item with a non-integer or negative `id`/`snowball_order` now immediately returns `400` with the specific index and value that failed. The transaction only runs after all items pass validation. Response now includes `updated` count. Soft-deleted bills are also excluded from the UPDATE (`deleted_at IS NULL`), which simultaneously closes issue #53.
+
+- **`isRamseyMode()` called once per request** — `getDebtBills()` previously hid the `isRamseyMode()` DB query inside itself. Routes that also needed the mode value (or called `getDebtBills` alongside other `isRamseyMode` calls) triggered multiple identical queries per request. `getDebtBills` now accepts an optional pre-fetched `ramseyMode` parameter; the `GET /`, `GET /projection`, and `POST /plans` routes call `isRamseyMode` once and pass the result in. `PATCH /settings` uses the body value directly when `ramsey_mode` was part of the request, falling back to a DB read only when it wasn't.
+
 - **Month navigation brackets the month name** — In TrackerPage the month navigation pill previously showed `< Today >` — the arrows flanked a "Today" button rather than the current month. The pill now shows `< MAY 2026 >` with the month and year as a static label between the arrows, and "Today" promoted to a standalone `variant="outline"` button beside the pill. In CalendarPage the pill already had the correct structure (`< MONTH YEAR >`) but `min-w-40 px-3` (160 px minimum + 24 px of padding) made the label too wide, leaving the arrows visually disconnected from the text. Reduced to `min-w-[8rem] px-1` so the arrows bracket the text tightly. Both labels gain `tabular-nums` (prevents width jitter on month change) and `select-none` (prevents accidental text selection when clicking arrows quickly).
 
 ---

client/api.js

@@ -344,6 +344,7 @@ export const api = {
   deleteDataSource:       (id)          => del(`/data-sources/${id}`),
   dataSourceAccounts:     (sourceId)    => get(`/data-sources/${sourceId}/accounts`),
   setAccountMonitored:    (sourceId, accountId, monitored) => put(`/data-sources/${sourceId}/accounts/${accountId}`, { monitored }),
+  allFinancialAccounts:   ()            => get('/data-sources/accounts/all'),
 
   // Admin — bank sync feature flag
   bankSyncConfig:         ()            => get('/admin/bank-sync-config'),

client/components/data/BankSyncSection.jsx

@@ -2,7 +2,7 @@ import React, { useState, useEffect, useCallback, useMemo } from 'react';
 import { toast } from 'sonner';
 import {
   AlertTriangle, Building2, ChevronDown, ChevronRight,
-  Eye, EyeOff, ExternalLink, History, Link2Off, Loader2, RefreshCw, Unlink,
+  Eye, EyeOff, ExternalLink, History, Landmark, Link2Off, Loader2, RefreshCw, Unlink,
 } from 'lucide-react';
 import { api } from '@/api';
 import { cn } from '@/lib/utils';
@@ -16,6 +16,8 @@ import {
 import {
   Dialog, DialogContent, DialogHeader, DialogTitle, DialogFooter,
 } from '@/components/ui/dialog';
+import { Label } from '@/components/ui/label';
+import { Select, SelectContent, SelectItem, SelectTrigger, SelectValue } from '@/components/ui/select';
 import { SectionCard } from './dataShared';
 
 function TokenInput({ value, onChange, disabled }) {
@@ -305,6 +307,13 @@ export default function BankSyncSection({ onConnectionChange, cardProps = {} })
   const [matchTarget, setMatchTarget]           = useState(null); // { sourceId, tx }
   const [matchingTxId, setMatchingTxId]         = useState(null);
 
+  // Bank tracking state
+  const [btEnabled, setBtEnabled]         = useState(false);
+  const [btAccountId, setBtAccountId]     = useState('');
+  const [btPendingDays, setBtPendingDays] = useState(3);
+  const [btAccounts, setBtAccounts]       = useState([]);
+  const [btSaving, setBtSaving]           = useState(false);
+
   const loadAccounts = useCallback(async (conns) => {
     for (const conn of conns) {
       setAccountsLoading(prev => ({ ...prev, [conn.id]: true }));
@@ -320,6 +329,42 @@ export default function BankSyncSection({ onConnectionChange, cardProps = {} })
     }
   }, []);
 
+  // Load bank tracking settings and available accounts
+  const loadBankTracking = useCallback(async () => {
+    try {
+      const [settings, accounts] = await Promise.all([
+        api.getSettings(),
+        api.allFinancialAccounts().catch(() => []),
+      ]);
+      setBtEnabled(settings.bank_tracking_enabled === 'true');
+      setBtAccountId(settings.bank_tracking_account_id || '');
+      setBtPendingDays(parseInt(settings.bank_tracking_pending_days, 10) || 3);
+      setBtAccounts(Array.isArray(accounts) ? accounts : []);
+    } catch {
+      // non-fatal — bank tracking section just won't populate
+    }
+  }, []);
+
+  const handleBtSave = useCallback(async (patch) => {
+    setBtSaving(true);
+    try {
+      const next = {
+        bank_tracking_enabled:    String(patch.enabled  ?? btEnabled),
+        bank_tracking_account_id: String(patch.accountId ?? btAccountId),
+        bank_tracking_pending_days: String(patch.pendingDays ?? btPendingDays),
+      };
+      await api.saveSettings(next);
+      if (patch.enabled !== undefined) setBtEnabled(patch.enabled);
+      if (patch.accountId !== undefined) setBtAccountId(patch.accountId);
+      if (patch.pendingDays !== undefined) setBtPendingDays(patch.pendingDays);
+      toast.success('Bank tracking settings saved');
+    } catch (err) {
+      toast.error(err.message || 'Failed to save bank tracking settings');
+    } finally {
+      setBtSaving(false);
+    }
+  }, [btEnabled, btAccountId, btPendingDays]);
+
   const load = useCallback(async () => {
     setLoadError('');
     try {
@@ -340,6 +385,7 @@ export default function BankSyncSection({ onConnectionChange, cardProps = {} })
   }, [onConnectionChange, loadAccounts]);
 
   useEffect(() => { load(); }, [load]);
+  useEffect(() => { loadBankTracking(); }, [loadBankTracking]);
 
   // Load bills once when connections become available (for the match picker)
   useEffect(() => {
@@ -723,6 +769,109 @@ export default function BankSyncSection({ onConnectionChange, cardProps = {} })
         )}
       </SectionCard>
 
+      {/* ── Bank Budget Tracking ── */}
+      {enabled && connections.length > 0 && (
+        <SectionCard
+          title="Bank Budget Tracking"
+          subtitle="Use your live bank balance as the starting point for your monthly budget instead of manually-entered amounts."
+          {...cardProps}
+        >
+          <div className="px-6 py-5 space-y-5">
+
+            {/* Toggle */}
+            <div className="flex items-center justify-between gap-4">
+              <div className="space-y-0.5">
+                <Label htmlFor="bt-toggle" className="text-sm font-medium">
+                  Use bank balance for budget
+                </Label>
+                <p className="text-xs text-muted-foreground">
+                  Replaces manual starting amounts. Remaining&nbsp;= bank balance − pending payments − unpaid bills.
+                </p>
+              </div>
+              <Switch
+                id="bt-toggle"
+                checked={btEnabled}
+                disabled={btSaving}
+                onCheckedChange={v => handleBtSave({ enabled: v })}
+              />
+            </div>
+
+            {btEnabled && (
+              <>
+                {/* Account picker */}
+                <div className="space-y-1.5">
+                  <Label className="text-xs font-semibold uppercase tracking-wide text-muted-foreground">
+                    Tracking account
+                  </Label>
+                  {btAccounts.length === 0 ? (
+                    <p className="text-xs text-muted-foreground">No bank accounts found. Sync your SimpleFIN connection first.</p>
+                  ) : (
+                    <Select
+                      value={btAccountId}
+                      onValueChange={v => handleBtSave({ accountId: v })}
+                      disabled={btSaving}
+                    >
+                      <SelectTrigger className="h-9 text-sm">
+                        <SelectValue placeholder="Select a checking account…" />
+                      </SelectTrigger>
+                      <SelectContent>
+                        {btAccounts.map(acc => (
+                          <SelectItem key={acc.id} value={String(acc.id)}>
+                            <div className="flex items-center gap-2">
+                              <Landmark className="h-3.5 w-3.5 shrink-0 text-muted-foreground" />
+                              <span>{acc.org_name ? `${acc.org_name} — ` : ''}{acc.name}</span>
+                              {acc.balance_dollars !== null && (
+                                <span className="ml-auto text-xs text-muted-foreground tabular-nums">
+                                  ${acc.balance_dollars.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}
+                                </span>
+                              )}
+                            </div>
+                          </SelectItem>
+                        ))}
+                      </SelectContent>
+                    </Select>
+                  )}
+                </div>
+
+                {/* Pending window */}
+                <div className="space-y-1.5">
+                  <Label className="text-xs font-semibold uppercase tracking-wide text-muted-foreground">
+                    Pending payment window
+                  </Label>
+                  <p className="text-xs text-muted-foreground">
+                    Payments you mark as paid within this many days are shown as <em>pending</em> —
+                    the money may not have cleared your bank yet, so they're subtracted from your effective balance.
+                  </p>
+                  <Select
+                    value={String(btPendingDays)}
+                    onValueChange={v => handleBtSave({ pendingDays: parseInt(v, 10) })}
+                    disabled={btSaving}
+                  >
+                    <SelectTrigger className="h-9 w-40 text-sm">
+                      <SelectValue />
+                    </SelectTrigger>
+                    <SelectContent>
+                      <SelectItem value="0">No pending (instant)</SelectItem>
+                      <SelectItem value="1">1 day</SelectItem>
+                      <SelectItem value="2">2 days</SelectItem>
+                      <SelectItem value="3">3 days (recommended)</SelectItem>
+                      <SelectItem value="5">5 days</SelectItem>
+                      <SelectItem value="7">7 days</SelectItem>
+                    </SelectContent>
+                  </Select>
+                </div>
+
+                {/* Info callout */}
+                <div className="rounded-lg border border-border/60 bg-muted/30 px-4 py-3 text-xs text-muted-foreground space-y-1">
+                  <p><span className="font-semibold text-foreground">How it works:</span> Your live bank balance is fetched every time your data syncs. Bills you've already marked paid are not double-counted — your bank balance reflects them. Only unpaid bills still due this month are subtracted.</p>
+                  <p>Bills marked paid within the pending window show a <span className="font-semibold">Pending</span> badge in the tracker, since the bank may not have processed them yet.</p>
+                </div>
+              </>
+            )}
+          </div>
+        </SectionCard>
+      )}
+
       <AlertDialog open={!!disconnectTarget} onOpenChange={open => { if (!open) setDisconnectTarget(null); }}>
         <AlertDialogContent>
           <AlertDialogHeader>

client/components/tracker/TrackerRow.jsx

@@ -456,15 +456,25 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
 
         {/* Status — uses effectiveStatus (accounts for skipped + threshold) */}
         <TableCell className="w-[9%] py-3">
-          <StatusBadge
+          <div className="flex flex-col items-start gap-1">
-            status={effectiveStatus}
+            <StatusBadge
-            clickable
+              status={effectiveStatus}
-            onClick={() => {
+              clickable
-              if (effectiveStatus === 'skipped') return;
+              onClick={() => {
-              handleTogglePaid();
+                if (effectiveStatus === 'skipped') return;
-            }}
+                handleTogglePaid();
-            loading={loading}
+              }}
-          />
+              loading={loading}
+            />
+            {row.pending_cleared && (
+              <span
+                className="inline-flex items-center rounded-full border border-amber-400/40 bg-amber-500/10 px-1.5 py-0.5 text-[9px] font-semibold uppercase tracking-wide text-amber-600 dark:text-amber-400"
+                title="Paid in tracker but may not have cleared your bank account yet"
+              >
+                Pending
+              </span>
+            )}
+          </div>
         </TableCell>
 
         {/* Actions */}

client/pages/CalendarPage.jsx

@@ -90,7 +90,9 @@ function MoneyMap({ summaryData, loading }) {
 
   const starting = summaryData?.starting_amounts || {};
   const summary = summaryData?.summary || {};
-  const available = Number(starting.combined_amount || 0);
+  const bt = summaryData?.bank_tracking;
+  const bankMode = bt?.enabled === true;
+  const available = bankMode ? Number(bt.effective_balance || 0) : Number(starting.combined_amount || 0);
   const assigned = Number(summary.expense_total || 0);
   const paid = Number(summary.paid_total || 0);
   const remaining = Number(summary.result || 0);
@@ -102,44 +104,75 @@ function MoneyMap({ summaryData, loading }) {
         <div className="flex flex-col gap-3 sm:flex-row sm:items-start sm:justify-between">
           <div>
             <CardTitle className="text-base">Monthly Money Map</CardTitle>
-            <CardDescription>Available money, extra income, assigned bills, and what remains.</CardDescription>
+            <CardDescription>
+              {bankMode
+                ? `Live bank balance · ${bt.account_name}`
+                : 'Available money, extra income, assigned bills, and what remains.'}
+            </CardDescription>
           </div>
-          <Button asChild variant="outline" size="sm" className="w-full gap-2 sm:w-auto">
+          {!bankMode && (
-            <Link to="/summary">
+            <Button asChild variant="outline" size="sm" className="w-full gap-2 sm:w-auto">
-              <WalletCards className="h-4 w-4" />
+              <Link to="/summary">
-              Edit money plan
+                <WalletCards className="h-4 w-4" />
-            </Link>
+                Edit money plan
-          </Button>
+              </Link>
+            </Button>
+          )}
         </div>
       </CardHeader>
       <CardContent className="space-y-4">
         <div className="grid gap-3 sm:grid-cols-2 xl:grid-cols-4">
-          <MoneyMetric icon={Banknote} label="Available" value={available} hint="1st + 15th + extra" />
+          {bankMode ? (
-          <MoneyMetric icon={PiggyBank} label="Extra Income" value={extraIncome} hint="Extra beyond paychecks" valueClassName={extraIncome > 0 ? 'text-teal-600 dark:text-teal-300' : ''} />
+            <>
-          <MoneyMetric icon={CalendarDays} label="Assigned Bills" value={assigned} hint={`${summary.expense_count || 0} active bills`} />
+              <MoneyMetric icon={Banknote} label="Bank Balance" value={Number(bt.balance || 0)} hint={`as of last sync`} />
-          <MoneyMetric
+              <MoneyMetric icon={PiggyBank} label="Pending" value={Number(bt.pending_payments || 0)} hint={`paid, not yet cleared (${bt.pending_days}d window)`} valueClassName="text-amber-600 dark:text-amber-400" />
-            icon={CircleDollarSign}
+              <MoneyMetric icon={CalendarDays} label="Unpaid Bills" value={Number(bt.unpaid_this_month || 0)} hint={`${summary.expense_count || 0} active bills`} />
-            label="After Bills"
+              <MoneyMetric
-            value={remaining}
+                icon={CircleDollarSign}
-            hint={`${fmt(paid)} already paid`}
+                label="After Bills"
-            valueClassName={remaining >= 0 ? 'text-emerald-600 dark:text-emerald-300' : 'text-destructive'}
+                value={Number(bt.remaining || 0)}
-          />
+                hint="effective balance − unpaid"
+                valueClassName={Number(bt.remaining || 0) >= 0 ? 'text-emerald-600 dark:text-emerald-300' : 'text-destructive'}
+              />
+            </>
+          ) : (
+            <>
+              <MoneyMetric icon={Banknote} label="Available" value={available} hint="1st + 15th + extra" />
+              <MoneyMetric icon={PiggyBank} label="Extra Income" value={extraIncome} hint="Extra beyond paychecks" valueClassName={extraIncome > 0 ? 'text-teal-600 dark:text-teal-300' : ''} />
+              <MoneyMetric icon={CalendarDays} label="Assigned Bills" value={assigned} hint={`${summary.expense_count || 0} active bills`} />
+              <MoneyMetric
+                icon={CircleDollarSign}
+                label="After Bills"
+                value={remaining}
+                hint={`${fmt(paid)} already paid`}
+                valueClassName={remaining >= 0 ? 'text-emerald-600 dark:text-emerald-300' : 'text-destructive'}
+              />
+            </>
+          )}
         </div>
 
-        <div className="grid gap-2 text-sm md:grid-cols-3">
+        {!bankMode && (
-          <div className="flex items-center justify-between gap-3 rounded-md bg-muted/45 px-3 py-2">
+          <div className="grid gap-2 text-sm md:grid-cols-3">
-            <span className="text-muted-foreground">1st available</span>
+            <div className="flex items-center justify-between gap-3 rounded-md bg-muted/45 px-3 py-2">
-            <span className="tracker-number font-semibold">{fmt(starting.first_amount)}</span>
+              <span className="text-muted-foreground">1st available</span>
+              <span className="tracker-number font-semibold">{fmt(starting.first_amount)}</span>
+            </div>
+            <div className="flex items-center justify-between gap-3 rounded-md bg-muted/45 px-3 py-2">
+              <span className="text-muted-foreground">15th available</span>
+              <span className="tracker-number font-semibold">{fmt(starting.fifteenth_amount)}</span>
+            </div>
+            <div className="flex items-center justify-between gap-3 rounded-md bg-muted/45 px-3 py-2">
+              <span className="text-muted-foreground">Monthly income</span>
+              <span className="tracker-number truncate font-semibold">{fmt(summaryData?.income?.amount)}</span>
+            </div>
           </div>
-          <div className="flex items-center justify-between gap-3 rounded-md bg-muted/45 px-3 py-2">
+        )}
-            <span className="text-muted-foreground">15th available</span>
+
-            <span className="tracker-number font-semibold">{fmt(starting.fifteenth_amount)}</span>
+        {bankMode && bt.last_updated && (
-          </div>
+          <p className="text-xs text-muted-foreground">
-          <div className="flex items-center justify-between gap-3 rounded-md bg-muted/45 px-3 py-2">
+            Balance last updated: {new Date(bt.last_updated).toLocaleString()}
-            <span className="text-muted-foreground">Monthly income</span>
+          </p>
-            <span className="tracker-number truncate font-semibold">{fmt(summaryData?.income?.amount)}</span>
+        )}
-          </div>
-        </div>
       </CardContent>
     </Card>
   );

client/pages/TrackerPage.jsx

@@ -113,8 +113,9 @@ export default function TrackerPage() {
     updateParams({ year: n.getFullYear(), month: n.getMonth() + 1 });
   }
 
-  const rows    = orderedRows || data?.rows || [];
+  const rows       = orderedRows || data?.rows || [];
-  const summary = data?.summary || {};
+  const summary    = data?.summary || {};
+  const bankTracking = data?.bank_tracking;
   const toggleFilter = (key) => {
     const paramMap = { autopay: 'ap', firstBucket: 'b1', fifteenthBucket: 'b2', unpaid: 'un', overdue: 'ov', debt: 'de' };
     updateParams({ [paramMap[key]]: !filters[key] });
@@ -339,8 +340,12 @@ export default function TrackerPage() {
           <SummaryCard
             type="starting"
             value={summary.total_starting}
-            hint={!summary.has_starting_amounts ? 'Set monthly starting cash' : ''}
+            hint={
-            onEdit={() => setEditStartingOpen(true)}
+              bankTracking?.enabled
+                ? `${bankTracking.account_name} · live balance`
+                : !summary.has_starting_amounts ? 'Set monthly starting cash' : ''
+            }
+            onEdit={bankTracking?.enabled ? undefined : () => setEditStartingOpen(true)}
           />
           <SummaryCard type="paid"      value={summary.total_paid} />
           <SummaryCard type="overdue"   value={summary.overdue} />

routes/dataSources.js

@@ -21,6 +21,34 @@ function safeError(err, fallback) {
   return { msg, status };
 }
 
+// ─── GET /api/data-sources/accounts/all ──────────────────────────────────────
+// Returns all financial accounts for the user across all sources.
+// Used by the bank tracking account picker.
+
+router.get('/accounts/all', (req, res) => {
+  try {
+    const db = getDb();
+    const accounts = db.prepare(`
+      SELECT
+        fa.id, fa.name, fa.org_name, fa.account_type,
+        fa.balance, fa.available_balance, fa.currency,
+        fa.monitored, ds.id AS source_id
+      FROM financial_accounts fa
+      JOIN data_sources ds ON ds.id = fa.data_source_id
+      WHERE fa.user_id = ?
+      ORDER BY fa.org_name COLLATE NOCASE ASC, fa.name COLLATE NOCASE ASC
+    `).all(req.user.id);
+
+    res.json(accounts.map(a => ({
+      ...a,
+      monitored: a.monitored === 1,
+      balance_dollars: a.balance !== null ? a.balance / 100 : null,
+    })));
+  } catch (err) {
+    res.status(500).json(standardizeError(err.message || 'Failed to load accounts', 'DB_ERROR'));
+  }
+});
+
 // ─── GET /api/data-sources ────────────────────────────────────────────────────
 
 router.get('/', (req, res) => {

routes/summary.js

@@ -2,8 +2,90 @@ const express = require('express');
 const router = express.Router();
 const { getDb } = require('../db/database');
 const { getCycleRange } = require('../services/statusService');
+const { getUserSettings } = require('../services/userSettings');
 
 const DEFAULT_INCOME_LABEL = 'Salary';
+const DEFAULT_PENDING_DAYS = 3;
+
+// Build bank tracking summary when the user has enabled SimpleFIN bank tracking.
+// Returns null when disabled, the account isn't found, or bank sync isn't set up.
+function buildBankTrackingSummary(db, userId, year, month) {
+  const settings = getUserSettings(userId);
+  if (settings.bank_tracking_enabled !== 'true') return null;
+
+  const accountId = parseInt(settings.bank_tracking_account_id, 10);
+  if (!Number.isInteger(accountId) || accountId < 1) return null;
+
+  const account = db.prepare(`
+    SELECT id, name, org_name, account_type, balance, available_balance, updated_at
+    FROM financial_accounts
+    WHERE id = ? AND user_id = ?
+  `).get(accountId, userId);
+
+  if (!account || account.balance === null) return null;
+
+  const pendingDays = parseInt(settings.bank_tracking_pending_days, 10);
+  const effectivePendingDays = Number.isInteger(pendingDays) && pendingDays >= 0
+    ? pendingDays : DEFAULT_PENDING_DAYS;
+
+  // Payments made in the tracker recently that may not have cleared the bank yet
+  const pendingRow = effectivePendingDays > 0
+    ? db.prepare(`
+        SELECT COALESCE(SUM(p.amount), 0) AS pending_total
+        FROM payments p
+        JOIN bills b ON b.id = p.bill_id
+        WHERE b.user_id = ?
+          AND p.paid_date >= date('now', '-' || ? || ' days')
+          AND p.paid_date <= date('now')
+          AND b.deleted_at IS NULL
+      `).get(userId, effectivePendingDays)
+    : { pending_total: 0 };
+
+  // Unpaid bills remaining this month (not skipped, not yet paid)
+  const { start, end } = getCycleRange(year, month);
+  const unpaidRow = db.prepare(`
+    SELECT COALESCE(SUM(
+      CASE
+        WHEN m.actual_amount IS NOT NULL THEN m.actual_amount
+        ELSE COALESCE(b.expected_amount, 0)
+      END
+    ), 0) AS unpaid_total
+    FROM bills b
+    LEFT JOIN monthly_bill_state m ON m.bill_id = b.id AND m.year = ? AND m.month = ?
+    LEFT JOIN (
+      SELECT bill_id, SUM(amount) AS paid_sum
+      FROM payments
+      WHERE paid_date BETWEEN ? AND ?
+      GROUP BY bill_id
+    ) pay ON pay.bill_id = b.id
+    WHERE b.user_id = ?
+      AND b.active = 1
+      AND b.deleted_at IS NULL
+      AND COALESCE(m.is_skipped, 0) = 0
+      AND COALESCE(pay.paid_sum, 0) = 0
+  `).get(year, month, start, end, userId);
+
+  const balanceDollars   = money(account.balance / 100);
+  const pendingDollars   = money(pendingRow.pending_total);
+  const effectiveDollars = money(balanceDollars - pendingDollars);
+  const unpaidDollars    = money(unpaidRow.unpaid_total);
+
+  return {
+    enabled:           true,
+    account_id:        account.id,
+    account_name:      account.name,
+    org_name:          account.org_name,
+    account_type:      account.account_type,
+    balance:           balanceDollars,
+    available_balance: account.available_balance !== null ? money(account.available_balance / 100) : null,
+    last_updated:      account.updated_at,
+    pending_payments:  pendingDollars,
+    pending_days:      effectivePendingDays,
+    effective_balance: effectiveDollars,
+    unpaid_this_month: unpaidDollars,
+    remaining:         money(effectiveDollars - unpaidDollars),
+  };
+}
 
 function parseYearMonth(source) {
   const now = new Date();
@@ -211,7 +293,11 @@ function buildSummary(db, userId, year, month) {
   const paidTotal = money(countedExpenses.reduce((sum, expense) => sum + expense.paid_amount, 0));
   const paidExpenseCount = countedExpenses.filter(expense => expense.is_paid).length;
   const starting_amounts = buildStartingAmountsSummary(db, userId, year, month);
-  const planBaseTotal = money(starting_amounts.combined_amount);
+  const bank_tracking = buildBankTrackingSummary(db, userId, year, month);
+  // When bank tracking is on, drive the "plan base" from the effective bank balance
+  const planBaseTotal = bank_tracking
+    ? bank_tracking.effective_balance
+    : money(starting_amounts.combined_amount);
   const result = money(planBaseTotal - expenseTotal);
 
   // Previous month context
@@ -246,6 +332,7 @@ function buildSummary(db, userId, year, month) {
     income,
     expenses,
     starting_amounts,
+    bank_tracking: bank_tracking ?? { enabled: false },
     previous_month,
     summary: {
       income_total: incomeTotal,

services/trackerService.js

@@ -6,6 +6,70 @@ const { getUserSettings } = require('./userSettings');
 const { computeBalanceDelta } = require('./billsService');
 const { computeAmountSuggestion } = require('./amountSuggestionService');
 
+const DEFAULT_PENDING_DAYS = 3;
+
+function buildBankTracking(db, userId, year, month) {
+  const settings = getUserSettings(userId);
+  if (settings.bank_tracking_enabled !== 'true') return { enabled: false };
+
+  const accountId = parseInt(settings.bank_tracking_account_id, 10);
+  if (!Number.isInteger(accountId) || accountId < 1) return { enabled: false };
+
+  const account = db.prepare(`
+    SELECT id, name, org_name, balance, available_balance, updated_at
+    FROM financial_accounts WHERE id = ? AND user_id = ?
+  `).get(accountId, userId);
+  if (!account || account.balance === null) return { enabled: false };
+
+  const pendingDays = parseInt(settings.bank_tracking_pending_days, 10);
+  const days = Number.isInteger(pendingDays) && pendingDays >= 0 ? pendingDays : DEFAULT_PENDING_DAYS;
+
+  const pendingRow = days > 0
+    ? db.prepare(`
+        SELECT COALESCE(SUM(p.amount), 0) AS pending_total
+        FROM payments p JOIN bills b ON b.id = p.bill_id
+        WHERE b.user_id = ?
+          AND p.paid_date >= date('now', '-' || ? || ' days')
+          AND p.paid_date <= date('now') AND b.deleted_at IS NULL
+      `).get(userId, days)
+    : { pending_total: 0 };
+
+  const { start, end } = getCycleRange(year, month);
+  const unpaidRow = db.prepare(`
+    SELECT COALESCE(SUM(
+      CASE WHEN m.actual_amount IS NOT NULL THEN m.actual_amount
+           ELSE COALESCE(b.expected_amount, 0) END
+    ), 0) AS unpaid_total
+    FROM bills b
+    LEFT JOIN monthly_bill_state m ON m.bill_id = b.id AND m.year = ? AND m.month = ?
+    LEFT JOIN (
+      SELECT bill_id, SUM(amount) AS paid_sum FROM payments
+      WHERE paid_date BETWEEN ? AND ? GROUP BY bill_id
+    ) pay ON pay.bill_id = b.id
+    WHERE b.user_id = ? AND b.active = 1 AND b.deleted_at IS NULL
+      AND COALESCE(m.is_skipped, 0) = 0 AND COALESCE(pay.paid_sum, 0) = 0
+  `).get(year, month, start, end, userId);
+
+  const balance   = roundMoney(account.balance / 100);
+  const pending   = roundMoney(pendingRow.pending_total);
+  const effective = roundMoney(balance - pending);
+  const unpaid    = roundMoney(unpaidRow.unpaid_total);
+
+  return {
+    enabled:           true,
+    account_id:        account.id,
+    account_name:      account.name,
+    org_name:          account.org_name,
+    balance,
+    pending_payments:  pending,
+    pending_days:      days,
+    effective_balance: effective,
+    unpaid_this_month: unpaid,
+    remaining:         roundMoney(effective - unpaid),
+    last_updated:      account.updated_at,
+  };
+}
+
 function validateTrackerMonth(query = {}, now = new Date()) {
   const year = parseInt(query.year || now.getFullYear(), 10);
   const month = parseInt(query.month || now.getMonth() + 1, 10);
@@ -295,8 +359,11 @@ function getTracker(userId, query = {}, now = new Date()) {
     : (startingAmounts?.fifteenth_amount || 0);
   const periodLabel = activeRemainingPeriod === '1st' ? '1st balance' : '15th balance';
 
-  const totalStarting = startingAmounts?.combined_amount || 0;
+  const bankTracking = buildBankTracking(db, userId, year, month);
-  const hasStartingAmounts = !!startingAmounts;
+  const totalStarting = bankTracking.enabled
+    ? bankTracking.effective_balance
+    : (startingAmounts?.combined_amount || 0);
+  const hasStartingAmounts = bankTracking.enabled || !!startingAmounts;
   const activeTotalPaid = roundMoney(activeRows.reduce((s, r) => s + r.total_paid, 0));
   const activePaidTowardDue = roundMoney(activeRows.reduce((s, r) => s + rowPaidTowardDue(r), 0));
   const activeTotalExpected = roundMoney(activeRows.reduce((s, r) => s + rowDueAmount(r), 0));
@@ -331,7 +398,19 @@ function getTracker(userId, query = {}, now = new Date()) {
       previous_month_total: previousMonthTotal,
       trend: buildThreeMonthTrend(db, userId, year, month, end, activeTotalPaid),
     },
-    rows,
+    bank_tracking: bankTracking,
+    rows: bankTracking.enabled
+      ? rows.map(r => {
+          // Flag recently-paid rows as pending-cleared when bank tracking is on
+          if (r.status === 'paid' && r.last_paid_date) {
+            const cutoff = new Date();
+            cutoff.setDate(cutoff.getDate() - bankTracking.pending_days);
+            const paidAt = new Date(r.last_paid_date);
+            return { ...r, pending_cleared: paidAt >= cutoff };
+          }
+          return { ...r, pending_cleared: false };
+        })
+      : rows,
   };
 }
 

services/userSettings.js

@@ -8,6 +8,9 @@ const USER_SETTING_KEYS = [
   'grace_period_days',
   'notify_days_before',
   'drift_threshold_pct',
+  'bank_tracking_enabled',
+  'bank_tracking_account_id',
+  'bank_tracking_pending_days',
 ];
 
 function defaultUserSettings() {