diff --git a/client/hooks/useQueries.js b/client/hooks/useQueries.js
index 8e3818a..a47ba55 100644
--- a/client/hooks/useQueries.js
+++ b/client/hooks/useQueries.js
@@ -98,6 +98,18 @@ export function useDeletedBills() {
   });
 }
 
+export function useSummary(year, month) {
+  return useQuery({
+    queryKey: ['summary', year, month],
+    queryFn: () => api.summary(year, month),
+    staleTime: 1000 * 60 * 2,
+    placeholderData: keepPreviousData,
+    // Editable form fields (starting amounts, income) are seeded from this
+    // result via an effect; don't let a focus refetch reset a mid-edit.
+    refetchOnWindowFocus: false,
+  });
+}
+
 export function useSubscriptions() {
   return useQuery({
     queryKey: ['subscriptions'],
diff --git a/client/pages/SummaryPage.jsx b/client/pages/SummaryPage.jsx
index fa0be77..d1d5e37 100644
--- a/client/pages/SummaryPage.jsx
+++ b/client/pages/SummaryPage.jsx
@@ -1,4 +1,6 @@
-import React, { useCallback, useEffect, useMemo, useRef, useState } from 'react';
+import React, { useCallback, useEffect, useMemo, useState } from 'react';
+import { useQueryClient } from '@tanstack/react-query';
+import { useSummary } from '@/hooks/useQueries';
 import { toast } from 'sonner';
 import {
   ArrowDown,
@@ -235,10 +237,12 @@ function ExpenseRow({ expense, moveControls, dragProps }) {
 
 export default function SummaryPage() {
   const [selected, setSelected] = useState(selectedFromToday);
-  const [data, setData] = useState(null);
-  const [loading, setLoading] = useState(true);
+  const queryClient = useQueryClient();
+  const { data = null, isPending: loading, error: queryError } = useSummary(selected.year, selected.month);
+  const setData = useCallback((u) => queryClient.setQueryData(['summary', selected.year, selected.month],
+    prev => (typeof u === 'function' ? u(prev) : u)), [queryClient, selected.year, selected.month]);
   const [saving, setSaving] = useState(false);
-  const [error, setError] = useState('');
+  const error = queryError ? (queryError.message || 'Summary could not be loaded.') : '';
   const [startingFirst, setStartingFirst] = useState('0');
   const [startingFifteenth, setStartingFifteenth] = useState('0');
   const [startingOther, setStartingOther] = useState('0');
@@ -250,37 +254,27 @@ export default function SummaryPage() {
   const [dropTargetId, setDropTargetId] = useState(null);
   const [movingBillId, setMovingBillId] = useState(null);
 
-  const requestSeq = useRef(0);
-  const loadSummary = useCallback(async () => {
-    // Ignore out-of-order responses: only the newest month load updates state.
-    const seq = ++requestSeq.current;
-    setLoading(true);
-    setError('');
-    try {
-      const result = await api.summary(selected.year, selected.month);
-      if (seq !== requestSeq.current) return; // superseded by a newer request
-      setData(result);
-      setStartingFirst(String(result.starting_amounts?.first_amount ?? 0));
-      setStartingFifteenth(String(result.starting_amounts?.fifteenth_amount ?? 0));
-      setStartingOther(String(result.starting_amounts?.other_amount ?? 0));
-      setEditingStarting(false);
-      setIncomeAmount(String(result.income?.amount ?? 0));
-      setIncomeLabel(result.income?.label || 'Salary');
-      setEditingIncome(false);
-      setDraggingId(null);
-      setDropTargetId(null);
-      setMovingBillId(null);
-    } catch (err) {
-      if (seq === requestSeq.current) setError(err.message || 'Summary could not be loaded.');
-      toast.error(err.message || 'Summary could not be loaded.');
-    } finally {
-      if (seq === requestSeq.current) setLoading(false);
-    }
-  }, [selected.month, selected.year]);
+  const loadSummary = useCallback(
+    () => queryClient.invalidateQueries({ queryKey: ['summary', selected.year, selected.month] }),
+    [queryClient, selected.month, selected.year],
+  );
 
+  // Seed the editable form fields (starting amounts, income) from the loaded
+  // summary and reset transient edit/drag state whenever the data changes —
+  // this is what loadSummary used to do inline.
   useEffect(() => {
-    loadSummary();
-  }, [loadSummary]);
+    if (!data) return;
+    setStartingFirst(String(data.starting_amounts?.first_amount ?? 0));
+    setStartingFifteenth(String(data.starting_amounts?.fifteenth_amount ?? 0));
+    setStartingOther(String(data.starting_amounts?.other_amount ?? 0));
+    setEditingStarting(false);
+    setIncomeAmount(String(data.income?.amount ?? 0));
+    setIncomeLabel(data.income?.label || 'Salary');
+    setEditingIncome(false);
+    setDraggingId(null);
+    setDropTargetId(null);
+    setMovingBillId(null);
+  }, [data]);
 
   const summary = data?.summary || {};
   const expenses = data?.expenses || [];