diff --git a/client/api.js b/client/api.js
index 7995916..781cf17 100644
--- a/client/api.js
+++ b/client/api.js
@@ -202,6 +202,7 @@ export const api = {
   deleteBill:         (id)        => del(`/bills/${id}`),
   restoreBill:        (id)        => post(`/bills/${id}/restore`),
   duplicateBill:      (id, data)  => post(`/bills/${id}/duplicate`, data),
+  verifyAutopay:      (id)        => post(`/bills/${id}/verify-autopay`, {}),
   togglePaid:         (id, data)  => post(`/bills/${id}/toggle-paid`, data),
   billPayments:       (id, p, l)  => get(`/bills/${id}/payments?page=${p||1}&limit=${l||20}`),
   billTransactions:   (id)        => get(`/bills/${id}/transactions`),
diff --git a/client/components/BillModal.jsx b/client/components/BillModal.jsx
index f52b7dc..7361865 100644
--- a/client/components/BillModal.jsx
+++ b/client/components/BillModal.jsx
@@ -186,6 +186,9 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
   const [paymentDate,    setPaymentDate]   = useState(todayStr());
   const [paymentMethod,  setPaymentMethod] = useState('manual');
   const [paymentNotes,   setPaymentNotes]  = useState('');
+  const [localVerifiedAt, setLocalVerifiedAt] = useState(
+    bill?.autopay_verified_at ? new Date(bill.autopay_verified_at) : null
+  );
 
   // Unmatch dialog state
   const [unmatchTarget,      setUnmatchTarget]      = useState(null);
@@ -312,6 +315,17 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
     }
   };
 
+  async function handleVerifyAutopay() {
+    if (!bill?.id) return;
+    try {
+      const res = await api.verifyAutopay(bill.id);
+      setLocalVerifiedAt(new Date(res.autopay_verified_at));
+      toast.success('Autopay marked as verified.');
+    } catch (err) {
+      toast.error(err.message);
+    }
+  }
+
   const handleAutopayChange = (checked) => {
     setAutopay(checked);
     if (checked) {
@@ -981,6 +995,50 @@ export default function BillModal({ bill, initialBill, categories, onClose, onSa
               </Select>
             </div>
 
+            {/* Autopay trust indicator — edit mode only */}
+            {!isNew && autopay && (() => {
+              const stats = bill?.autopay_stats;
+              const total = stats?.total ?? 0;
+              const failures = stats?.failures ?? 0;
+              const daysSince = localVerifiedAt
+                ? Math.floor((Date.now() - localVerifiedAt.getTime()) / 86400000)
+                : null;
+              const needsVerify = daysSince === null || daysSince > 90;
+              return (
+                <div className="rounded-md border border-border/50 bg-muted/20 px-3 py-2.5 space-y-1.5">
+                  <div className="flex items-center justify-between gap-2">
+                    <span className={cn('text-xs font-medium', failures > 0 ? 'text-amber-500' : total > 0 ? 'text-emerald-500' : 'text-muted-foreground/60')}>
+                      {total > 0
+                        ? `${failures > 0 ? '⚠' : '✓'} ${total - failures}/${total} successful (12 mo)`
+                        : 'No payment history yet'}
+                    </span>
+                    <button
+                      type="button"
+                      onClick={handleVerifyAutopay}
+                      className="text-[11px] text-sky-500 hover:text-sky-400 underline underline-offset-2 transition-colors"
+                    >
+                      Mark verified
+                    </button>
+                  </div>
+                  {needsVerify && (
+                    <p className="text-[11px] text-amber-500/80">
+                      {daysSince === null
+                        ? "Autopay never confirmed — verify it's still active."
+                        : `Last verified ${daysSince}d ago — confirm autopay is still on.`}
+                    </p>
+                  )}
+                  {!needsVerify && (
+                    <p className="text-[11px] text-muted-foreground/60">Verified {daysSince}d ago</p>
+                  )}
+                  {failures > 0 && stats?.last_failure_date && (
+                    <p className="text-[11px] text-amber-500/80">
+                      Last failure: {stats.last_failure_date}{stats?.last_failure_notes ? ` — ${stats.last_failure_notes}` : ''}
+                    </p>
+                  )}
+                </div>
+              );
+            })()}
+
             {/* Notes */}
             <div className="col-span-2 space-y-1.5">
               <Label className="text-xs uppercase tracking-wider text-muted-foreground">Notes</Label>
diff --git a/client/components/tracker/MobileTrackerRow.jsx b/client/components/tracker/MobileTrackerRow.jsx
index b4b939c..7f159ad 100644
--- a/client/components/tracker/MobileTrackerRow.jsx
+++ b/client/components/tracker/MobileTrackerRow.jsx
@@ -332,6 +332,7 @@ export function MobileTrackerRow({ row, year, month, refresh, index, onEditBill,
       {editPayment && (
         <PaymentModal
           payment={editPayment}
+          autopayEnabled={!!row.autopay_enabled}
           onClose={() => setEditPayment(null)}
           onSave={refresh}
         />
diff --git a/client/components/tracker/PaymentLedgerDialog.jsx b/client/components/tracker/PaymentLedgerDialog.jsx
index 103775a..e1b1bbf 100644
--- a/client/components/tracker/PaymentLedgerDialog.jsx
+++ b/client/components/tracker/PaymentLedgerDialog.jsx
@@ -173,6 +173,7 @@ export function PaymentLedgerDialog({ row, year, month, threshold, defaultPaymen
       {editPayment && (
         <PaymentModal
           payment={editPayment}
+          autopayEnabled={!!row.autopay_enabled}
           onClose={() => setEditPayment(null)}
           onSave={() => {
             onSaved?.();
diff --git a/client/components/tracker/PaymentModal.jsx b/client/components/tracker/PaymentModal.jsx
index 7dc2619..ed50311 100644
--- a/client/components/tracker/PaymentModal.jsx
+++ b/client/components/tracker/PaymentModal.jsx
@@ -17,24 +17,28 @@ import {
 
 const METHOD_NONE = 'none';
 
-function PaymentModal({ payment, onClose, onSave }) {
+function PaymentModal({ payment, autopayEnabled, onClose, onSave }) {
   const [amount, setAmount] = useState(String(payment.amount));
   const [date, setDate]     = useState(payment.paid_date);
   // Use METHOD_NONE sentinel — empty string value crashes Radix Select
   const [method, setMethod] = useState(payment.method || METHOD_NONE);
   const [notes, setNotes]   = useState(payment.notes  || '');
+  const [autopayFailure, setAutopayFailure] = useState(!!payment.autopay_failure);
   const [busy, setBusy]     = useState(false);
   const [confirmDelete, setConfirmDelete] = useState(false);
 
+  const showAutopayFailure = autopayEnabled || method === 'autopay';
+
   async function handleSave(e) {
     e.preventDefault();
     setBusy(true);
     try {
       await api.updatePayment(payment.id, {
-        amount:    parseFloat(amount),
-        paid_date: date,
-        method:    method === METHOD_NONE ? null : method,
-        notes:     notes  || null,
+        amount:          parseFloat(amount),
+        paid_date:       date,
+        method:          method === METHOD_NONE ? null : method,
+        notes:           notes  || null,
+        autopay_failure: showAutopayFailure ? (autopayFailure ? 1 : 0) : undefined,
       });
       toast.success('Payment saved');
       onSave(); onClose();
@@ -109,6 +113,19 @@ function PaymentModal({ payment, onClose, onSave }) {
             <Input id="pm-notes" value={notes} onChange={e => setNotes(e.target.value)}
               className="bg-background/50 border-border/60" />
           </div>
+          {showAutopayFailure && (
+            <label className="flex items-center gap-2.5 cursor-pointer group">
+              <input
+                type="checkbox"
+                checked={autopayFailure}
+                onChange={e => setAutopayFailure(e.target.checked)}
+                className="h-4 w-4 rounded border-border accent-amber-500"
+              />
+              <span className="text-sm text-muted-foreground group-hover:text-foreground transition-colors">
+                Autopay failed — paid manually
+              </span>
+            </label>
+          )}
         </form>
 
         <DialogFooter className="flex-row gap-2 sm:justify-between mt-2">
diff --git a/client/components/tracker/TrackerBucket.jsx b/client/components/tracker/TrackerBucket.jsx
index bb8e4c9..29c85ed 100644
--- a/client/components/tracker/TrackerBucket.jsx
+++ b/client/components/tracker/TrackerBucket.jsx
@@ -38,7 +38,7 @@ function SortableHead({ sortKey, activeSortKey, sortDir, onSort, children, class
   );
 }
 
-export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, loading, onReorderRows, reorderEnabled, movingBillId, sortKey = TRACKER_SORT_DEFAULT, sortDir = TRACKER_SORT_ASC, onSort }) {
+export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, loading, onReorderRows, reorderEnabled, movingBillId, sortKey = TRACKER_SORT_DEFAULT, sortDir = TRACKER_SORT_ASC, onSort, driftedIds = new Set() }) {
   const [draggingId, setDraggingId] = useState(null);
   const [dropTargetId, setDropTargetId] = useState(null);
   // Use actual_amount (if set) as the per-row threshold; exclude skipped rows from totals
@@ -199,6 +199,7 @@ export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, l
               onEditBill={onEditBill}
               moveControls={moveControlsFor(r, i)}
               dragProps={dragPropsFor(r, i)}
+              isDrifted={driftedIds.has(r.id)}
             />
           ))
         )}
@@ -267,6 +268,7 @@ export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, l
                   onEditBill={onEditBill}
                   moveControls={moveControlsFor(r, i)}
                   dragProps={dragPropsFor(r, i)}
+                  isDrifted={driftedIds.has(r.id)}
                 />
               ))
             )}
diff --git a/client/components/tracker/TrackerRow.jsx b/client/components/tracker/TrackerRow.jsx
index 94332d4..dd31ab5 100644
--- a/client/components/tracker/TrackerRow.jsx
+++ b/client/components/tracker/TrackerRow.jsx
@@ -1,5 +1,5 @@
 import React, { useState, useRef, useTransition } from 'react';
-import { ArrowDown, ArrowUp, GripVertical, Pencil, X } from 'lucide-react';
+import { ArrowDown, ArrowUp, CheckCircle2, Clock, GripVertical, Pencil, TrendingUp, X } from 'lucide-react';
 import { Tooltip, TooltipContent, TooltipProvider, TooltipTrigger } from '@/components/ui/tooltip';
 import { toast } from 'sonner';
 import { api } from '@/api.js';
@@ -22,7 +22,7 @@ import { PaymentLedgerDialog } from '@/components/tracker/PaymentLedgerDialog';
 import { NotesCell } from '@/components/tracker/NotesCell';
 import { AutopaySuggestionActions } from '@/components/tracker/AutopaySuggestionActions';
 
-export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveControls, dragProps }) {
+export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveControls, dragProps, isDrifted }) {
   const amountRef                     = useRef(null);
   const [editPayment, setEditPayment] = useState(null);
   const [paymentLedgerOpen, setPaymentLedgerOpen] = useState(false);
@@ -358,16 +358,50 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
                   </span>
                 )}
                 <TooltipProvider delayDuration={300}>
-                  {row.autopay_enabled && (
-                    <Tooltip>
-                      <TooltipTrigger asChild>
-                        <span className="inline-flex shrink-0 rounded border border-sky-500/25 bg-sky-500/10 px-1.5 py-0.5 text-[10px] font-bold leading-none text-sky-600 dark:text-sky-300 cursor-default">
-                          AP
-                        </span>
-                      </TooltipTrigger>
-                      <TooltipContent>Autopay enabled</TooltipContent>
-                    </Tooltip>
-                  )}
+                  {row.autopay_enabled && (() => {
+                    const stats = row.autopay_stats;
+                    const hasFailed = stats && stats.failures > 0;
+                    const verifiedAt = row.autopay_verified_at ? new Date(row.autopay_verified_at) : null;
+                    const daysSinceVerify = verifiedAt
+                      ? Math.floor((Date.now() - verifiedAt) / 86400000)
+                      : null;
+                    const needsVerify = daysSinceVerify === null || daysSinceVerify > 90;
+                    const badgeCls = hasFailed
+                      ? 'border-amber-500/40 bg-amber-500/15 text-amber-600 dark:text-amber-300'
+                      : 'border-sky-500/25 bg-sky-500/10 text-sky-600 dark:text-sky-300';
+                    return (
+                      <Tooltip>
+                        <TooltipTrigger asChild>
+                          <span className={cn('inline-flex shrink-0 items-center gap-0.5 rounded border px-1.5 py-0.5 text-[10px] font-bold leading-none cursor-default', badgeCls)}>
+                            {hasFailed ? '⚠' : null}AP
+                            {needsVerify && <Clock className="h-2.5 w-2.5 ml-0.5 opacity-70" />}
+                          </span>
+                        </TooltipTrigger>
+                        <TooltipContent className="max-w-[220px] space-y-1">
+                          {stats && stats.total > 0 ? (
+                            <p className={cn('font-semibold', hasFailed ? 'text-amber-300' : 'text-emerald-300')}>
+                              {hasFailed ? '⚠' : '✓'} {stats.total - stats.failures}/{stats.total} on time (12mo)
+                            </p>
+                          ) : (
+                            <p className="font-semibold">Autopay enabled</p>
+                          )}
+                          {hasFailed && stats.last_failure_date && (
+                            <p className="text-xs opacity-80">Last failed: {stats.last_failure_date}</p>
+                          )}
+                          {hasFailed && stats.last_failure_notes && (
+                            <p className="text-xs opacity-70 italic">{stats.last_failure_notes}</p>
+                          )}
+                          {needsVerify ? (
+                            <p className="text-xs opacity-70">
+                              {daysSinceVerify === null ? 'Never verified — confirm it\'s still active' : `Verified ${daysSinceVerify}d ago — check soon`}
+                            </p>
+                          ) : (
+                            <p className="text-xs opacity-70">Verified {daysSinceVerify}d ago</p>
+                          )}
+                        </TooltipContent>
+                      </Tooltip>
+                    );
+                  })()}
                   {(row.has_merchant_rule || row.has_linked_transactions) && (
                     <Tooltip>
                       <TooltipTrigger asChild>
@@ -476,6 +510,28 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
               >
                 {fmt(row.expected_amount)}
               </button>
+              {isDrifted && (
+                <span className="inline-flex items-center gap-0.5 text-[10px] font-semibold text-amber-500">
+                  <TrendingUp className="h-2.5 w-2.5" />Changed
+                </span>
+              )}
+              {row.sparkline && row.sparkline.length >= 2 && (() => {
+                const vals = row.sparkline;
+                const min = Math.min(...vals);
+                const max = Math.max(...vals);
+                const range = max - min || 1;
+                const W = 44, H = 16;
+                const pts = vals.map((v, i) => {
+                  const x = (i / (vals.length - 1)) * W;
+                  const y = H - ((v - min) / range) * H;
+                  return `${x.toFixed(1)},${y.toFixed(1)}`;
+                }).join(' ');
+                return (
+                  <svg width={W} height={H} viewBox={`0 0 ${W} ${H}`} className="opacity-50">
+                    <polyline points={pts} fill="none" stroke="currentColor" strokeWidth="1.5" strokeLinejoin="round" strokeLinecap="round" />
+                  </svg>
+                );
+              })()}
               {row.amount_suggestion?.suggestion != null &&
                Math.abs(row.amount_suggestion.suggestion - row.expected_amount) / row.expected_amount > 0.05 && (
                 <button
@@ -607,6 +663,7 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
       {editPayment && (
         <PaymentModal
           payment={editPayment}
+          autopayEnabled={!!row.autopay_enabled}
           onClose={() => setEditPayment(null)}
           onSave={refresh}
         />
diff --git a/client/pages/BillsPage.jsx b/client/pages/BillsPage.jsx
index 87b8e1b..9b5f367 100644
--- a/client/pages/BillsPage.jsx
+++ b/client/pages/BillsPage.jsx
@@ -621,6 +621,7 @@ export default function BillsPage() {
   const [modal,      setModal]      = useState(null);
   // Bill pending deactivation confirmation (AlertDialog replaces window.confirm)
   const [deactivate, setDeactivate] = useState(null);
+  const [deactivateReason, setDeactivateReason] = useState('');
   const [deleteTarget, setDeleteTarget] = useState(null);
   const [deleteConfirmed, setDeleteConfirmed] = useState(false);
   const [deleteBusy, setDeleteBusy] = useState(false);
@@ -732,10 +733,12 @@ export default function BillsPage() {
     }
   }
 
-  async function doToggle(bill) {
+  async function doToggle(bill, reason) {
     if (!bill) return;
     try {
-      await api.updateBill(bill.id, { active: bill.active ? 0 : 1 });
+      const payload = { active: bill.active ? 0 : 1 };
+      if (bill.active && reason) payload.inactive_reason = reason;
+      await api.updateBill(bill.id, payload);
       toast.success(bill.active ? 'Bill deactivated' : 'Bill activated');
       load();
     } catch (err) {
@@ -1140,7 +1143,7 @@ export default function BillsPage() {
       )}
 
       {/* ── Deactivate confirmation (replaces window.confirm) ── */}
-      <AlertDialog open={!!deactivate} onOpenChange={open => { if (!open) setDeactivate(null); }}>
+      <AlertDialog open={!!deactivate} onOpenChange={open => { if (!open) { setDeactivate(null); setDeactivateReason(''); } }}>
         <AlertDialogContent>
           <AlertDialogHeader>
             <AlertDialogTitle>Deactivate "{deactivate?.name}"?</AlertDialogTitle>
@@ -1148,11 +1151,28 @@ export default function BillsPage() {
               This bill will be hidden from the tracker. You can reactivate it at any time.
             </AlertDialogDescription>
           </AlertDialogHeader>
+          <div className="space-y-1.5 py-1">
+            <label className="text-xs font-medium text-muted-foreground uppercase tracking-wider">
+              Reason (optional)
+            </label>
+            <select
+              value={deactivateReason}
+              onChange={e => setDeactivateReason(e.target.value)}
+              className="w-full rounded-md border border-border/60 bg-background px-3 py-2 text-sm text-foreground outline-none focus:ring-1 focus:ring-ring"
+            >
+              <option value="">Select a reason…</option>
+              <option value="Moved to spouse">Moved to spouse</option>
+              <option value="Switched providers">Switched providers</option>
+              <option value="Paid off">Paid off</option>
+              <option value="Cancelled">Cancelled</option>
+              <option value="Other">Other</option>
+            </select>
+          </div>
           <AlertDialogFooter>
-            <AlertDialogCancel onClick={() => setDeactivate(null)}>Cancel</AlertDialogCancel>
+            <AlertDialogCancel onClick={() => { setDeactivate(null); setDeactivateReason(''); }}>Cancel</AlertDialogCancel>
             <AlertDialogAction
               className="bg-destructive text-destructive-foreground hover:bg-destructive/90"
-              onClick={() => { const b = deactivate; setDeactivate(null); doToggle(b); }}
+              onClick={() => { const b = deactivate; const r = deactivateReason; setDeactivate(null); setDeactivateReason(''); doToggle(b, r); }}
             >
               Deactivate
             </AlertDialogAction>
diff --git a/client/pages/TrackerPage.jsx b/client/pages/TrackerPage.jsx
index 62c2890..d9c46c0 100644
--- a/client/pages/TrackerPage.jsx
+++ b/client/pages/TrackerPage.jsx
@@ -134,6 +134,7 @@ export default function TrackerPage() {
   // Use React Query for data fetching
   const { data, isLoading: loading, isError, error, refetch, dataUpdatedAt } = useTracker(year, month);
   const { data: driftData, refetch: refetchDrift } = useDriftReport();
+  const driftedIds = useMemo(() => new Set((driftData?.bills ?? []).map(b => b.id)), [driftData]);
 
   useEffect(() => {
     setOrderedRows(null);
@@ -741,8 +742,8 @@ export default function TrackerPage() {
       )}
       {!isError && (first.length > 0 || second.length > 0) && (
         <div className="space-y-5">
-          {first.length  > 0 && <Bucket label="1st – 14th"  rows={first}  year={year} month={month} refresh={refetch} onEditBill={handleOpenEditBill} loading={loading} reorderEnabled={reorderEnabled} movingBillId={movingBillId} sortKey={sortKey} sortDir={sortDir} onSort={handleSortHeader} onReorderRows={(next) => handleReorderBucket('1st', next)} />}
-          {second.length > 0 && <Bucket label="15th – 31st" rows={second} year={year} month={month} refresh={refetch} onEditBill={handleOpenEditBill} loading={loading} reorderEnabled={reorderEnabled} movingBillId={movingBillId} sortKey={sortKey} sortDir={sortDir} onSort={handleSortHeader} onReorderRows={(next) => handleReorderBucket('15th', next)} />}
+          {first.length  > 0 && <Bucket label="1st – 14th"  rows={first}  year={year} month={month} refresh={refetch} onEditBill={handleOpenEditBill} loading={loading} reorderEnabled={reorderEnabled} movingBillId={movingBillId} sortKey={sortKey} sortDir={sortDir} onSort={handleSortHeader} onReorderRows={(next) => handleReorderBucket('1st', next)} driftedIds={driftedIds} />}
+          {second.length > 0 && <Bucket label="15th – 31st" rows={second} year={year} month={month} refresh={refetch} onEditBill={handleOpenEditBill} loading={loading} reorderEnabled={reorderEnabled} movingBillId={movingBillId} sortKey={sortKey} sortDir={sortDir} onSort={handleSortHeader} onReorderRows={(next) => handleReorderBucket('15th', next)} driftedIds={driftedIds} />}
         </div>
       )}
 
diff --git a/db/database.js b/db/database.js
index 1ea2d8d..e0820bf 100644
--- a/db/database.js
+++ b/db/database.js
@@ -3298,6 +3298,31 @@ function runMigrations() {
         console.log('[v0.98] payment accounting override columns ensured');
       }
     },
+    {
+      version: 'v0.99',
+      description: 'bills: autopay trust indicators + lifecycle fields; payments: autopay failure flag',
+      check() {
+        const billCols = db.prepare('PRAGMA table_info(bills)').all().map(c => c.name);
+        return billCols.includes('autopay_verified_at') && billCols.includes('inactive_reason');
+      },
+      run() {
+        const billCols    = db.prepare('PRAGMA table_info(bills)').all().map(c => c.name);
+        const paymentCols = db.prepare('PRAGMA table_info(payments)').all().map(c => c.name);
+        if (!billCols.includes('autopay_verified_at')) {
+          db.exec('ALTER TABLE bills ADD COLUMN autopay_verified_at TEXT');
+        }
+        if (!billCols.includes('inactive_reason')) {
+          db.exec('ALTER TABLE bills ADD COLUMN inactive_reason TEXT');
+        }
+        if (!billCols.includes('inactivated_at')) {
+          db.exec('ALTER TABLE bills ADD COLUMN inactivated_at TEXT');
+        }
+        if (!paymentCols.includes('autopay_failure')) {
+          db.exec('ALTER TABLE payments ADD COLUMN autopay_failure INTEGER NOT NULL DEFAULT 0');
+        }
+        console.log('[v0.99] autopay trust indicators + lifecycle fields added');
+      }
+    },
   ];
 
   // ── users: notification columns ───────────────────────────────────────────
diff --git a/routes/bills.js b/routes/bills.js
index e66773d..e406b1a 100644
--- a/routes/bills.js
+++ b/routes/bills.js
@@ -350,7 +350,43 @@ router.get('/:id', (req, res) => {
     WHERE b.id = ? AND b.user_id = ? AND b.deleted_at IS NULL
   `).get(req.params.id, req.user.id);
   if (!bill) return res.status(404).json(standardizeError('Bill not found', 'NOT_FOUND', 'bill_id'));
-  res.json(bill);
+
+  let autopay_stats = null;
+  if (bill.autopay_enabled) {
+    autopay_stats = db.prepare(`
+      SELECT COUNT(*) AS total,
+             SUM(autopay_failure) AS failures,
+             MAX(CASE WHEN autopay_failure = 1 THEN paid_date END) AS last_failure_date,
+             MAX(CASE WHEN autopay_failure = 1 THEN notes END) AS last_failure_notes
+      FROM payments
+      WHERE bill_id = ? AND deleted_at IS NULL AND paid_date >= date('now', '-12 months')
+    `).get(bill.id);
+    autopay_stats = {
+      total: autopay_stats.total || 0,
+      failures: autopay_stats.failures || 0,
+      last_failure_date: autopay_stats.last_failure_date || null,
+      last_failure_notes: autopay_stats.last_failure_notes || null,
+    };
+  }
+
+  res.json({ ...bill, autopay_stats });
+});
+
+// ── POST /api/bills/:id/verify-autopay ───────────────────────────────────────
+router.post('/:id/verify-autopay', (req, res) => {
+  const db = getDb();
+  const id = parseInt(req.params.id, 10);
+  if (!Number.isInteger(id) || id <= 0) {
+    return res.status(400).json(standardizeError('Invalid id', 'VALIDATION_ERROR', 'bill_id'));
+  }
+  const bill = db.prepare('SELECT id, autopay_enabled FROM bills WHERE id = ? AND user_id = ? AND deleted_at IS NULL').get(id, req.user.id);
+  if (!bill) return res.status(404).json(standardizeError('Bill not found', 'NOT_FOUND', 'bill_id'));
+  if (!bill.autopay_enabled) {
+    return res.status(400).json(standardizeError('Bill does not have autopay enabled', 'VALIDATION_ERROR', 'autopay_enabled'));
+  }
+  const now = new Date().toISOString();
+  db.prepare("UPDATE bills SET autopay_verified_at = ?, updated_at = ? WHERE id = ? AND user_id = ?").run(now, now, id, req.user.id);
+  res.json({ ok: true, autopay_verified_at: now });
 });
 
 // ── POST /api/bills ───────────────────────────────────────────────────────────
@@ -410,6 +446,11 @@ router.put('/:id', (req, res) => {
     return res.status(400).json(standardizeError('category_id is invalid for this user', 'VALIDATION_ERROR', 'category_id'));
   }
 
+  const inactiveReason = typeof req.body.inactive_reason === 'string' ? req.body.inactive_reason.trim() || null : null;
+  const wasActive = existing.active === 1;
+  const nowActive = normalized.active === 1;
+  const inactivatedAt = (!wasActive || nowActive) ? existing.inactivated_at : (inactiveReason ? new Date().toISOString().slice(0, 10) : existing.inactivated_at);
+
   db.prepare(`
     UPDATE bills SET
       name = ?, category_id = ?, due_day = ?, override_due_date = ?, bucket = ?,
@@ -418,6 +459,7 @@ router.put('/:id', (req, res) => {
       history_visibility = ?, cycle_type = ?, cycle_day = ?,
       current_balance = ?, minimum_payment = ?, snowball_order = ?, snowball_include = ?, snowball_exempt = ?,
       is_subscription = ?, subscription_type = ?, reminder_days_before = ?, subscription_source = ?, subscription_detected_at = ?,
+      inactive_reason = ?, inactivated_at = ?,
       updated_at = datetime('now')
     WHERE id = ? AND user_id = ?
   `).run(
@@ -451,6 +493,8 @@ router.put('/:id', (req, res) => {
     normalized.reminder_days_before,
     normalized.subscription_source,
     normalized.subscription_detected_at,
+    inactiveReason,
+    inactivatedAt,
     req.params.id,
     req.user.id,
   );
diff --git a/routes/payments.js b/routes/payments.js
index bf1ea94..75b911e 100644
--- a/routes/payments.js
+++ b/routes/payments.js
@@ -191,7 +191,7 @@ router.post('/:id/undo-auto', (req, res) => {
 // POST /api/payments — create single payment
 router.post('/', (req, res) => {
   const db = getDb();
-  const { bill_id, amount, paid_date, method, notes, payment_source } = req.body;
+  const { bill_id, amount, paid_date, method, notes, payment_source, autopay_failure } = req.body;
 
   const validation = validatePaymentInput({ bill_id, amount, paid_date, payment_source: payment_source ?? 'manual' });
   if (validation.error) {
@@ -204,9 +204,10 @@ router.post('/', (req, res) => {
     return res.status(404).json(standardizeError('Bill not found', 'NOT_FOUND', 'bill_id'));
 
   const balCalc = computeBalanceDelta(bill, payment.amount);
+  const failureFlag = autopay_failure ? 1 : 0;
   const result = db.prepare(
-    'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source) VALUES (?, ?, ?, ?, ?, ?, ?, ?)'
-  ).run(payment.bill_id, payment.amount, payment.paid_date, method || null, notes || null, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null, payment.payment_source);
+    'INSERT INTO payments (bill_id, amount, paid_date, method, notes, balance_delta, interest_delta, payment_source, autopay_failure) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)'
+  ).run(payment.bill_id, payment.amount, payment.paid_date, method || null, notes || null, balCalc?.balance_delta ?? null, balCalc?.interest_delta ?? null, payment.payment_source, failureFlag);
 
   applyBalanceDelta(db, bill.id, balCalc);
 
@@ -475,10 +476,13 @@ router.put('/:id', (req, res) => {
     }
   }
 
+  const { autopay_failure } = req.body;
+  const nextAutopayFailure = autopay_failure !== undefined ? (autopay_failure ? 1 : 0) : existing.autopay_failure;
+
   db.prepare(`
     UPDATE payments SET
       amount = ?, paid_date = ?, method = ?, notes = ?, balance_delta = ?, interest_delta = ?,
-      payment_source = ?, updated_at = datetime('now')
+      payment_source = ?, autopay_failure = ?, updated_at = datetime('now')
     WHERE id = ?
       AND bill_id IN (SELECT id FROM bills WHERE user_id = ? AND deleted_at IS NULL)
   `).run(
@@ -489,6 +493,7 @@ router.put('/:id', (req, res) => {
     nextBalanceDelta,
     nextInterestDelta,
     nextPaymentSource,
+    nextAutopayFailure,
     req.params.id,
     req.user.id,
   );
diff --git a/services/statusService.js b/services/statusService.js
index 0f77315..73964e1 100644
--- a/services/statusService.js
+++ b/services/statusService.js
@@ -269,6 +269,11 @@ function buildTrackerRow(bill, payments, year, month, todayStr, options = {}) {
     has_merchant_rule: !!bill.has_merchant_rule,
     has_linked_transactions: !!bill.has_linked_transactions,
     website: bill.website || null,
+    autopay_verified_at: bill.autopay_verified_at ?? null,
+    inactive_reason: bill.inactive_reason ?? null,
+    inactivated_at: bill.inactivated_at ?? null,
+    sparkline: bill.sparkline ?? null,
+    autopay_stats: bill.autopay_stats ?? null,
     payments: safePayments,
   };
 }
diff --git a/services/trackerService.js b/services/trackerService.js
index 618385d..ba98fed 100644
--- a/services/trackerService.js
+++ b/services/trackerService.js
@@ -180,6 +180,52 @@ function fetchDismissedSuggestions(db, userId, billIds, year, month) {
   return new Set(rows.map(row => row.bill_id));
 }
 
+function fetchSparklines(db, billIds) {
+  if (billIds.length === 0) return {};
+  const ph = billIds.map(() => '?').join(',');
+  const rows = db.prepare(`
+    SELECT bill_id, substr(paid_date, 1, 7) AS month_str, SUM(amount) AS total
+    FROM payments
+    WHERE bill_id IN (${ph})
+      AND paid_date >= date('now', '-6 months')
+      AND deleted_at IS NULL AND accounting_excluded = 0
+    GROUP BY bill_id, month_str
+    ORDER BY bill_id, month_str
+  `).all(...billIds);
+  const out = {};
+  for (const r of rows) {
+    if (!out[r.bill_id]) out[r.bill_id] = [];
+    out[r.bill_id].push(r.total);
+  }
+  return out;
+}
+
+function fetchAutopayStats(db, billIds) {
+  if (billIds.length === 0) return {};
+  const ph = billIds.map(() => '?').join(',');
+  const rows = db.prepare(`
+    SELECT
+      p.bill_id,
+      COUNT(*) AS total,
+      SUM(p.autopay_failure) AS failures,
+      MAX(CASE WHEN p.autopay_failure = 1 THEN p.paid_date END) AS last_failure_date,
+      MAX(CASE WHEN p.autopay_failure = 1 THEN p.notes END) AS last_failure_notes
+    FROM payments p
+    JOIN bills b ON b.id = p.bill_id
+    WHERE p.bill_id IN (${ph})
+      AND b.autopay_enabled = 1
+      AND p.deleted_at IS NULL
+      AND p.paid_date >= date('now', '-12 months')
+    GROUP BY p.bill_id
+  `).all(...billIds);
+  return Object.fromEntries(rows.map(r => [r.bill_id, {
+    total: r.total,
+    failures: r.failures || 0,
+    last_failure_date: r.last_failure_date || null,
+    last_failure_notes: r.last_failure_notes || null,
+  }]));
+}
+
 function rowDueAmount(row) {
   const amount = Number(row.actual_amount ?? row.expected_amount);
   return Number.isFinite(amount) ? amount : 0;
@@ -327,8 +373,12 @@ function getTracker(userId, query = {}, now = new Date()) {
   const monthlyStates = fetchMonthlyStates(db, billIds, year, month);
   const prevMonthPayments = fetchPreviousMonthPaid(db, billIds, prevMonthRange);
   const dismissedSuggestions = fetchDismissedSuggestions(db, userId, billIds, year, month);
+  const sparklines = fetchSparklines(db, billIds);
+  const autopayStatsMap = fetchAutopayStats(db, billIds);
 
   const rows = bills.map(bill => {
+    bill.sparkline = sparklines[bill.id] ?? null;
+    bill.autopay_stats = autopayStatsMap[bill.id] ?? null;
     if (!resolveDueDate(bill, year, month)) return null;
 
     const payments = fetchPaymentsForBillCycle(db, bill, year, month);