diff --git a/client/components/MobileTrackerRow.jsx b/client/components/MobileTrackerRow.jsx
index bb84375..b583f80 100644
--- a/client/components/MobileTrackerRow.jsx
+++ b/client/components/MobileTrackerRow.jsx
@@ -1,7 +1,7 @@
 import React, { useMemo, useRef, useState } from 'react';
 import { AlertCircle, Pencil, Settings2 } from 'lucide-react';
 import { toast } from 'sonner';
-import { cn, fmt, fmtDate } from '@/lib/utils';
+import { cn, fmt, fmtDate, localDateString } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
 import { Input } from '@/components/ui/input';
 import { StatusBadge } from './StatusBadge';
@@ -24,7 +24,7 @@ const ROW_STATUS_CLS = {
 function paymentDateForTrackerMonth(year, month, dueDay) {
   const now = new Date();
   if (year === now.getFullYear() && month === now.getMonth() + 1) {
-    return fmtDate(new Date().toISOString().slice(0, 10));
+    return localDateString();
   }
 
   const daysInMonth = new Date(year, month, 0).getDate();
diff --git a/client/components/tracker/OverdueCommandCenter.jsx b/client/components/tracker/OverdueCommandCenter.jsx
index 0f850e3..2cbf141 100644
--- a/client/components/tracker/OverdueCommandCenter.jsx
+++ b/client/components/tracker/OverdueCommandCenter.jsx
@@ -2,7 +2,7 @@ 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 { cn, fmt, localDateString } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
 import { Badge } from '@/components/ui/badge';
 import { Collapsible, CollapsibleTrigger, CollapsibleContent } from '@/components/ui/collapsible';
@@ -16,7 +16,7 @@ import {
 function snoozeUntil(days) {
   const d = new Date();
   d.setDate(d.getDate() + days);
-  return d.toISOString().slice(0, 10);
+  return localDateString(d);
 }
 
 function daysOverdueLabel(dueDate) {
@@ -142,7 +142,7 @@ function OverdueRow({ row, year, month, onPayNow, onRefresh }) {
 }
 
 export default function OverdueCommandCenter({ rows, year, month, refresh, onPayNow }) {
-  const todayStr = new Date().toISOString().slice(0, 10);
+  const todayStr = localDateString();
   const [isOpen, setIsOpen] = useState(true);
 
   const overdueRows = rows.filter(r =>
diff --git a/client/lib/utils.js b/client/lib/utils.js
index caf08c3..60cb252 100644
--- a/client/lib/utils.js
+++ b/client/lib/utils.js
@@ -15,8 +15,15 @@ export function fmtDate(dateStr) {
   return `${parseInt(m)}/${parseInt(d)}/${y}`;
 }
 
+export function localDateString(date = new Date()) {
+  const year = date.getFullYear();
+  const month = String(date.getMonth() + 1).padStart(2, '0');
+  const day = String(date.getDate()).padStart(2, '0');
+  return `${year}-${month}-${day}`;
+}
+
 export function todayStr() {
-  return new Date().toISOString().slice(0, 10);
+  return localDateString();
 }
 
 export function fmtUptime(seconds) {
diff --git a/client/pages/SubscriptionsPage.jsx b/client/pages/SubscriptionsPage.jsx
index 6071b8f..7f30cb8 100644
--- a/client/pages/SubscriptionsPage.jsx
+++ b/client/pages/SubscriptionsPage.jsx
@@ -25,7 +25,7 @@ import {
   X,
 } from 'lucide-react';
 import { api } from '@/api';
-import { cn, fmt, fmtDate } from '@/lib/utils';
+import { cn, fmt, fmtDate, localDateString } from '@/lib/utils';
 import { scheduleLabel } from '@/lib/billingSchedule';
 import { Button } from '@/components/ui/button';
 import { Card, CardContent, CardDescription, CardHeader, CardTitle } from '@/components/ui/card';
@@ -125,7 +125,7 @@ function subscriptionNextDueDate(item, now = new Date()) {
       date = new Date(date.getFullYear(), date.getMonth() + step, dueDay);
     }
   }
-  return date.toISOString().slice(0, 10);
+  return localDateString(date);
 }
 
 function decorateSavedSubscriptionBill(bill, categories) {
diff --git a/client/pages/TrackerPage.jsx b/client/pages/TrackerPage.jsx
index 2ca93b4..c40b177 100644
--- a/client/pages/TrackerPage.jsx
+++ b/client/pages/TrackerPage.jsx
@@ -8,7 +8,7 @@ import { useSearchPanelPreference } from '@/hooks/useSearchPanelPreference';
 import BillModal from '@/components/BillModal';
 import { makeBillDraft } from '@/lib/billDrafts';
 import { scheduleLabel, scheduleValue } from '@/lib/billingSchedule';
-import { cn, fmt } from '@/lib/utils';
+import { cn, fmt, localDateString } from '@/lib/utils';
 import { Button } from '@/components/ui/button';
 import { Input } from '@/components/ui/input';
 import SearchFilterPanel from '@/components/SearchFilterPanel';
@@ -54,13 +54,6 @@ function fmtBalanceAge(isoStr) {
   return parseUtc(isoStr).toLocaleString(undefined, { month: 'short', day: 'numeric', hour: 'numeric', minute: '2-digit' });
 }
 
-function localDateString(date = new Date()) {
-  const year = date.getFullYear();
-  const month = String(date.getMonth() + 1).padStart(2, '0');
-  const day = String(date.getDate()).padStart(2, '0');
-  return `${year}-${month}-${day}`;
-}
-
 function settingEnabled(value, fallback = true) {
   if (value === undefined || value === null || value === '') return fallback;
   return value === true || value === 'true';