diff --git a/client/index.css b/client/index.css
index a0c2cb6..a3cc945 100644
--- a/client/index.css
+++ b/client/index.css
@@ -80,7 +80,9 @@
     --secondary: 0.275 0.018 245;
     --secondary-foreground: 0.94 0.007 245;
     --muted: 0.275 0.016 245;
-    --muted-foreground: 0.76 0.012 245;
+    /* Secondary text. Raised 0.76 → 0.85 — at 0.76 labels and hints sat too
+       close to the card background (L 0.235) and strained the eyes. */
+    --muted-foreground: 0.85 0.012 245;
     --accent: 0.32 0.045 158;
     --accent-foreground: 0.965 0.006 245;
     --destructive: 0.66 0.18 26;
@@ -172,20 +174,22 @@
   }
 
 
+  /* Faded muted-text variants: keep them readable in dark mode — Tailwind's
+     raw /40–/70 alphas dissolve into the background. */
   .dark .text-muted-foreground\/40 {
-    color: oklch(var(--muted-foreground) / 0.72);
+    color: oklch(var(--muted-foreground) / 0.8);
   }
 
   .dark .text-muted-foreground\/50 {
-    color: oklch(var(--muted-foreground) / 0.78);
+    color: oklch(var(--muted-foreground) / 0.85);
   }
 
   .dark .text-muted-foreground\/60 {
-    color: oklch(var(--muted-foreground) / 0.84);
+    color: oklch(var(--muted-foreground) / 0.9);
   }
 
   .dark .text-muted-foreground\/70 {
-    color: oklch(var(--muted-foreground) / 0.9);
+    color: oklch(var(--muted-foreground) / 0.95);
   }
 
   /* Custom Scrollbar */
diff --git a/client/pages/ProfilePage.jsx b/client/pages/ProfilePage.jsx
index a806d4d..ee8ceec 100644
--- a/client/pages/ProfilePage.jsx
+++ b/client/pages/ProfilePage.jsx
@@ -21,7 +21,7 @@ function displayNameOf(profile) {
   return profile.display_name || profile.displayName || profile.name || '';
 }
 
-function asSettings(data) {
+export function asSettings(data) {
   return data?.settings || data?.notifications || data || {};
 }
 
@@ -360,7 +360,9 @@ function EditProfile({ profile, onSaved }) {
   );
 }
 
-function NotificationPreferences({ settings, onSaved }) {
+// Exported: rendered on the Settings page ("Notifications" section). Lives here
+// because it shares asSettings/CheckRow/SectionCard with the rest of this file.
+export function NotificationPreferences({ settings, onSaved }) {
   const [form, setForm] = useState(settings);
   const [saving, setSaving] = useState(false);
 
@@ -427,7 +429,8 @@ const PUSH_CHANNELS = [
   { value: 'telegram', label: 'Telegram', urlLabel: 'Server URL / n/a', urlHint: 'Leave blank for api.telegram.org', tokenLabel: 'Bot token', chatIdLabel: 'Chat ID' },
 ];
 
-function PushNotifications({ settings, onSaved }) {
+// Exported: rendered on the Settings page ("Notifications" section).
+export function PushNotifications({ settings, onSaved }) {
   const [enabled,  setEnabled]  = useState(!!settings.notify_push_enabled);
   const [channel,  setChannel]  = useState(settings.push_channel || 'ntfy');
   const [url,      setUrl]      = useState(settings.push_url || '');
@@ -898,7 +901,6 @@ function ProfileNav() {
   const items = [
     ['#account', 'Account'],
     ['#security', 'Security'],
-    ['#notifications', 'Notifications'],
     ['#privacy', 'Privacy'],
   ];
   return (
@@ -950,7 +952,7 @@ export default function ProfilePage() {
       <div className="mb-6 flex items-start justify-between gap-4">
         <div>
           <h1 className="text-2xl font-bold tracking-tight">Profile</h1>
-          <p className="text-sm text-muted-foreground mt-0.5">Manage your account, notification preferences, and password.</p>
+          <p className="text-sm text-muted-foreground mt-0.5">Manage your account, security, and privacy. Notification preferences live in Settings.</p>
         </div>
         <div className="hidden sm:flex items-center gap-2 rounded-full border border-border bg-muted/30 px-3 py-1.5 text-xs text-muted-foreground">
           <ShieldCheck className="h-3.5 w-3.5 text-emerald-500" />
@@ -968,10 +970,7 @@ export default function ProfilePage() {
         <div id="security" className="scroll-mt-6">
           <ChangePassword />
         </div>
-        <div id="notifications" className="scroll-mt-6 space-y-4">
-          {!loading && <NotificationPreferences settings={settings} onSaved={setSettings} />}
-          {!loading && <PushNotifications settings={settings} onSaved={() => api.profileSettings().then(setSettings).catch(() => {})} />}
-        </div>
+        {/* Notification preferences moved to Settings → Notifications */}
         <div id="privacy" className="scroll-mt-6">
           {!loading && <PrivacySettings settings={settings} onSaved={setSettings} />}
         </div>
diff --git a/client/pages/SettingsPage.jsx b/client/pages/SettingsPage.jsx
index 74cfc00..745f3a9 100644
--- a/client/pages/SettingsPage.jsx
+++ b/client/pages/SettingsPage.jsx
@@ -13,12 +13,36 @@ import {
 import { Switch } from '@/components/ui/switch';
 import { useTheme } from '@/contexts/ThemeContext';
 import { useAuth } from '@/hooks/useAuth';
+import { NotificationPreferences, PushNotifications, asSettings } from '@/pages/ProfilePage';
 
 export const LINK_IMPORT_PREF_KEY = 'link_import_ask';
 export function getLinkImportPref() {
   return localStorage.getItem(LINK_IMPORT_PREF_KEY) !== 'false';
 }
 
+// ─── Notifications (moved here from Profile — these are app-behavior
+//     preferences; Profile keeps identity, security, and privacy) ──────────────
+
+function NotificationsSection() {
+  const [settings, setSettings] = useState(null);
+
+  const load = useCallback(() => {
+    api.profileSettings()
+      .then((data) => setSettings(asSettings(data)))
+      .catch((err) => toast.error(err.message || 'Failed to load notification settings.'));
+  }, []);
+
+  useEffect(() => { load(); }, [load]);
+
+  if (!settings) return null;
+  return (
+    <div className="space-y-4 mb-4">
+      <NotificationPreferences settings={settings} onSaved={setSettings} />
+      <PushNotifications settings={settings} onSaved={load} />
+    </div>
+  );
+}
+
 // ─── Card wrapper ─────────────────────────────────────────────────────────────
 
 function SectionCard({ title, children }) {
@@ -255,6 +279,7 @@ export default function SettingsPage() {
     tracker_bank_projection_banner_snoozed_until: '',
     tracker_show_search_sort: 'true',
     tracker_show_summary_cards: 'true',
+    tracker_show_safe_to_spend: 'true',
     tracker_show_overdue_command_center: 'true',
     tracker_show_drift_insights: 'true',
   };
@@ -289,6 +314,7 @@ export default function SettingsPage() {
         tracker_bank_projection_banner_snoozed_until: settings.tracker_bank_projection_banner_snoozed_until || '',
         tracker_show_search_sort: settings.tracker_show_search_sort,
         tracker_show_summary_cards: settings.tracker_show_summary_cards,
+        tracker_show_safe_to_spend: settings.tracker_show_safe_to_spend,
         tracker_show_overdue_command_center: settings.tracker_show_overdue_command_center,
         tracker_show_drift_insights: settings.tracker_show_drift_insights,
       });
@@ -329,7 +355,7 @@ export default function SettingsPage() {
       {/* Page header — flat on background */}
       <div className="mb-8">
         <h1 className="text-2xl font-bold tracking-tight">Settings</h1>
-        <p className="text-sm text-muted-foreground mt-0.5">Manage your display and billing preferences</p>
+        <p className="text-sm text-muted-foreground mt-0.5">Manage your display, billing, and notification preferences</p>
       </div>
 
       {/* Appearance */}
@@ -400,6 +426,16 @@ export default function SettingsPage() {
             aria-label="Show Summary cards"
           />
         </SettingRow>
+        <SettingRow
+          label="Safe to Spend"
+          description="Show the safe-to-spend projection card with the payday countdown and upcoming bills."
+        >
+          <Switch
+            checked={settingsBool(settings.tracker_show_safe_to_spend)}
+            onCheckedChange={(checked) => set('tracker_show_safe_to_spend', String(checked))}
+            aria-label="Show Safe to Spend"
+          />
+        </SettingRow>
         <SettingRow
           label="Overdue Command Center"
           description="Show the quick-action panel for overdue bills."
@@ -467,6 +503,11 @@ export default function SettingsPage() {
         </Button>
       </div>
 
+      {/* Notifications — email + push reminder preferences (save independently) */}
+      <div id="notifications" className="mt-6 scroll-mt-24">
+        <NotificationsSection />
+      </div>
+
       <div id="calendar-feed" className="mt-6 scroll-mt-24">
         <SectionCard title="Calendar Feed">
           <CalendarFeedManager />
diff --git a/client/pages/TrackerPage.jsx b/client/pages/TrackerPage.jsx
index 6daa11e..45f71a7 100644
--- a/client/pages/TrackerPage.jsx
+++ b/client/pages/TrackerPage.jsx
@@ -387,6 +387,7 @@ export default function TrackerPage() {
   const showSearchSort = settingEnabled(trackerSettings.tracker_show_search_sort);
   const showSummaryCards = settingEnabled(trackerSettings.tracker_show_summary_cards);
   const showOverdueCommandCenter = settingEnabled(trackerSettings.tracker_show_overdue_command_center);
+  const showSafeToSpend = settingEnabled(trackerSettings.tracker_show_safe_to_spend);
   const showDriftInsights = settingEnabled(trackerSettings.tracker_show_drift_insights);
   const showBankProjectionBanner = settingEnabled(trackerSettings.tracker_show_bank_projection_banner) &&
     (!bannerSnoozedUntil || bannerSnoozedUntil <= today);
@@ -848,7 +849,7 @@ export default function TrackerPage() {
       ) : null}
 
       {/* ── Safe to Spend ── */}
-      {!isError && !loading && isCurrentMonth && cashflow && (
+      {!isError && !loading && showSafeToSpend && isCurrentMonth && cashflow && (
         <CashFlowCard
           cashflow={cashflow}
           onSetStartingAmounts={() => setEditStartingOpen(true)}
diff --git a/services/userSettings.js b/services/userSettings.js
index 942ac3f..fd5c04d 100644
--- a/services/userSettings.js
+++ b/services/userSettings.js
@@ -17,6 +17,7 @@ const USER_SETTING_KEYS = [
   'tracker_bank_projection_banner_snoozed_until',
   'tracker_show_search_sort',
   'tracker_show_summary_cards',
+  'tracker_show_safe_to_spend',
   'tracker_show_overdue_command_center',
   'tracker_show_drift_insights',
   'tracker_table_columns',
@@ -28,6 +29,7 @@ const USER_SETTING_DEFAULTS = {
   tracker_bank_projection_banner_snoozed_until: '',
   tracker_show_search_sort: 'true',
   tracker_show_summary_cards: 'true',
+  tracker_show_safe_to_spend: 'true',
   tracker_show_overdue_command_center: 'true',
   tracker_show_drift_insights: 'true',
   tracker_table_columns: '["due","expected","previous","paid","paid_date","status","action","notes"]',