fix(tracker): BillModal save/close race and pending badge logic

- Use controlled Dialog state (setDialogOpen) instead of immediate onClose()
  to let Radix cleanup properly before unmount
- Amber 'Pending' badge now only shows for bank-linked bills — unlinked
  bills skip the pending-cleared check and show 'Paid' directly
- TrackerPage onSave no longer nullifies edit state before BillModal can
  animate closed

(batch 0.37.4)

client/components/BillModal.jsx

@@ -190,6 +190,10 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
     bill?.autopay_verified_at ? new Date(bill.autopay_verified_at) : null
   );
 
+  // Controls the outer Dialog's open state so it closes via its own animation
+  // rather than being abruptly unmounted, which can leave Radix cleanup in a broken state.
+  const [dialogOpen, setDialogOpen] = useState(true);
+
   // Deactivate dialog state
   const [deactivateOpen,   setDeactivateOpen]   = useState(false);
   const [deactivateReason, setDeactivateReason] = useState('');
@@ -594,7 +598,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
         toast.success('Template saved');
       }
       onSave(savedBill);
-      onClose();
+      setDialogOpen(false);
     } catch (err) {
       toast.error(err.message);
     }
@@ -608,7 +612,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
       await api.updateBill(bill.id, payload);
       toast.success(bill.active ? 'Bill deactivated' : 'Bill reactivated');
       onSave?.();
-      onClose();
+      setDialogOpen(false);
     } catch (err) {
       toast.error(err.message);
     }
@@ -617,7 +621,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
   const inp = 'bg-background/50 border-border/60 h-9 text-sm w-full';
 
   return (
-    <Dialog open onOpenChange={v => { if (!v) onClose(); }}>
+    <Dialog open={dialogOpen} onOpenChange={v => { if (!v) onClose(); }}>
       <DialogContent className="max-h-[92svh] overflow-y-auto border-border/60 bg-card/95 backdrop-blur-xl sm:max-w-2xl">
         <DialogHeader>
           <DialogTitle className="text-base font-semibold tracking-tight">
@@ -1422,7 +1426,7 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
             )}
           </div>
           <div className="flex gap-2">
-            <Button type="button" variant="ghost" disabled={isPending} onClick={onClose} className="text-xs">
+            <Button type="button" variant="ghost" disabled={isPending} onClick={() => setDialogOpen(false)} className="text-xs">
               Cancel
             </Button>
             <Button type="submit" form="bill-modal-form" disabled={isPending} className="gap-1.5 text-xs">

client/pages/TrackerPage.jsx

@@ -961,7 +961,7 @@ export default function TrackerPage() {
           initialBill={editBillData.initialBill}
           categories={editBillData.categories}
           onClose={() => setEditBillData(null)}
-          onSave={() => { setEditBillData(null); refetch(); }}
+          onSave={() => refetch()}
           onDuplicate={bill => setEditBillData({
             bill: null,
             initialBill: makeBillDraft(bill, { copy: true, categories: editBillData.categories }),

services/trackerService.js

@@ -575,7 +575,10 @@ function getTracker(userId, query = {}, now = new Date()) {
           // Only flag manually-entered payments as pending-cleared — bank-synced
           // or bank-matched payments are already settled so they don't need the badge.
           const isManualPayment = r.payment_source !== 'provider_sync' && r.payment_source !== 'transaction_match';
-          if (r.status === 'paid' && r.last_paid_date && isManualPayment) {
+          // Amber "Pending" only makes sense for bills linked to the bank — for unlinked bills
+          // there's no bank clearing to wait for, so they should just show "Paid".
+          const isBankLinked = !!(r.has_merchant_rule || r.has_linked_transactions);
+          if (r.status === 'paid' && r.last_paid_date && isManualPayment && isBankLinked) {
             const cutoff = new Date();
             cutoff.setDate(cutoff.getDate() - bankTracking.pending_days);
             const paidAt = new Date(r.last_paid_date);