diff --git a/client/components/tracker/TrackerBucket.jsx b/client/components/tracker/TrackerBucket.jsx
index 3530a23..a73f698 100644
--- a/client/components/tracker/TrackerBucket.jsx
+++ b/client/components/tracker/TrackerBucket.jsx
@@ -1,11 +1,17 @@
 import { useState } from 'react';
 import { LayoutGroup } from 'framer-motion';
-import { ArrowDown, ArrowUp } from 'lucide-react';
+import { ArrowDown, ArrowUp, Settings2 } from 'lucide-react';
 import { cn, fmt } from '@/lib/utils';
 import {
   Table, TableHeader, TableBody, TableHead, TableRow, TableCell,
 } from '@/components/ui/table';
+import { Button } from '@/components/ui/button';
+import {
+  DropdownMenu, DropdownMenuCheckboxItem, DropdownMenuContent, DropdownMenuLabel,
+  DropdownMenuSeparator, DropdownMenuTrigger,
+} from '@/components/ui/dropdown-menu';
 import { TRACKER_SORT_ASC, TRACKER_SORT_DEFAULT, moveInArray } from '@/lib/trackerUtils';
+import { TRACKER_TABLE_COLUMNS, DEFAULT_TRACKER_TABLE_COLUMNS } from '@/lib/trackerTableColumns';
 import { TrackerRow as Row } from '@/components/tracker/TrackerRow';
 import { MobileTrackerRow } from '@/components/tracker/MobileTrackerRow';
 
@@ -39,9 +45,30 @@ 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, driftedIds = new Set() }) {
+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(),
+  visibleColumns = DEFAULT_TRACKER_TABLE_COLUMNS,
+  onColumnToggle,
+  columnsSaving,
+}) {
   const [draggingId, setDraggingId] = useState(null);
   const [dropTargetId, setDropTargetId] = useState(null);
+  const visibleColumnSet = new Set(visibleColumns);
+  const showColumn = key => visibleColumnSet.has(key);
+  const tableColSpan = 1 + visibleColumns.length;
   // Use actual_amount (if set) as the per-row threshold; exclude skipped rows from totals
   const activeRows    = rows.filter(r => !r.is_skipped);
   const totalThreshold = activeRows.reduce((s, r) => s + (r.actual_amount ?? r.expected_amount ?? 0), 0);
@@ -158,6 +185,37 @@ export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, l
           {!reorderEnabled && rows.length > 1 && (
             <span className="hidden text-[11px] text-muted-foreground/60 xl:inline">Clear filters to reorder</span>
           )}
+          <DropdownMenu>
+            <DropdownMenuTrigger asChild>
+              <Button
+                type="button"
+                size="sm"
+                variant="outline"
+                className="hidden h-8 gap-1.5 px-2 text-[11px] lg:inline-flex"
+                disabled={columnsSaving}
+              >
+                <Settings2 className="h-3.5 w-3.5" />
+                Columns
+              </Button>
+            </DropdownMenuTrigger>
+            <DropdownMenuContent align="end" className="w-56">
+              <DropdownMenuLabel>Visible columns</DropdownMenuLabel>
+              <DropdownMenuSeparator />
+              <DropdownMenuCheckboxItem checked disabled>
+                Bill
+              </DropdownMenuCheckboxItem>
+              {TRACKER_TABLE_COLUMNS.map(column => (
+                <DropdownMenuCheckboxItem
+                  key={column.key}
+                  checked={showColumn(column.key)}
+                  onSelect={event => event.preventDefault()}
+                  onCheckedChange={checked => onColumnToggle?.(column.key, checked)}
+                >
+                  {column.label}
+                </DropdownMenuCheckboxItem>
+              ))}
+            </DropdownMenuContent>
+          </DropdownMenu>
         </div>
       </div>
 
@@ -212,22 +270,38 @@ export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, l
 
       <div className="hidden lg:block" aria-busy={loading ? 'true' : 'false'}>
         <div className="overflow-x-auto">
-          <Table className="min-w-[1120px]">
+          <Table className={cn(visibleColumns.length <= 4 ? 'min-w-[720px]' : 'min-w-[1120px]')}>
           <TableHeader>
             <TableRow className="border-border/80 bg-background/30 hover:bg-background/30">
               <SortableHead sortKey="name" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[18%]">Bill</SortableHead>
-              <SortableHead sortKey="due" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%]">Due</SortableHead>
-              <SortableHead sortKey="expected" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%] text-center">Expected</SortableHead>
-              <SortableHead sortKey="previous" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%] text-center">Last Month</SortableHead>
-              <SortableHead sortKey="paid" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%] text-center">Paid</SortableHead>
-              <SortableHead sortKey="paid_date" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%]">Paid Date</SortableHead>
-              <SortableHead sortKey="status" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[9%] text-center">Status</SortableHead>
-              <TableHead className="h-11 w-[10%] py-2.5 text-center text-[11px] font-semibold uppercase tracking-[0.08em] text-muted-foreground">
-                Action
-              </TableHead>
-              <TableHead className="h-11 w-[23%] py-2.5 text-[11px] font-semibold uppercase tracking-[0.08em] text-muted-foreground border-l border-border/80 pl-4">
-                Notes
-              </TableHead>
+              {showColumn('due') && (
+                <SortableHead sortKey="due" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%]">Due</SortableHead>
+              )}
+              {showColumn('expected') && (
+                <SortableHead sortKey="expected" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%] text-center">Expected</SortableHead>
+              )}
+              {showColumn('previous') && (
+                <SortableHead sortKey="previous" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%] text-center">Last Month</SortableHead>
+              )}
+              {showColumn('paid') && (
+                <SortableHead sortKey="paid" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%] text-center">Paid</SortableHead>
+              )}
+              {showColumn('paid_date') && (
+                <SortableHead sortKey="paid_date" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[10%]">Paid Date</SortableHead>
+              )}
+              {showColumn('status') && (
+                <SortableHead sortKey="status" activeSortKey={sortKey} sortDir={sortDir} onSort={onSort} className="w-[9%] text-center">Status</SortableHead>
+              )}
+              {showColumn('action') && (
+                <TableHead className="h-11 w-[10%] py-2.5 text-center text-[11px] font-semibold uppercase tracking-[0.08em] text-muted-foreground">
+                  Action
+                </TableHead>
+              )}
+              {showColumn('notes') && (
+                <TableHead className="h-11 w-[23%] py-2.5 text-[11px] font-semibold uppercase tracking-[0.08em] text-muted-foreground border-l border-border/80 pl-4">
+                  Notes
+                </TableHead>
+              )}
             </TableRow>
           </TableHeader>
           <TableBody>
@@ -240,26 +314,30 @@ export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, l
                       <div className="h-4 w-48 rounded-md bg-muted" />
                     </div>
                   </TableCell>
-                  <TableCell className="w-[10%] py-3"><div className="h-3 w-20 rounded-md bg-muted" /></TableCell>
-                  <TableCell className="w-[10%] py-3 text-center"><div className="mx-auto h-3 w-20 rounded-md bg-muted" /></TableCell>
-                  <TableCell className="w-[10%] py-3 text-center"><div className="mx-auto h-3 w-20 rounded-md bg-muted" /></TableCell>
-                  <TableCell className="w-[10%] py-3"><div className="mx-auto h-7 w-24 rounded-md bg-muted" /></TableCell>
-                  <TableCell className="w-[10%] py-3"><div className="h-7 w-24 rounded-md bg-muted" /></TableCell>
-                  <TableCell className="w-[9%] py-3"><div className="mx-auto h-5 w-20 rounded-md bg-muted" /></TableCell>
-                  <TableCell className="w-[10%] py-3 text-center">
-                    <div className="flex items-center justify-center gap-1">
-                      <div className="h-7 w-20 rounded-md bg-muted" />
-                      <div className="h-7 w-7 rounded-md bg-muted" />
-                    </div>
-                  </TableCell>
-                  <TableCell className="w-[23%] py-3 border-l border-border pl-4">
-                    <div className="h-4 w-full rounded-md bg-muted" />
-                  </TableCell>
+                  {showColumn('due') && <TableCell className="w-[10%] py-3"><div className="h-3 w-20 rounded-md bg-muted" /></TableCell>}
+                  {showColumn('expected') && <TableCell className="w-[10%] py-3 text-center"><div className="mx-auto h-3 w-20 rounded-md bg-muted" /></TableCell>}
+                  {showColumn('previous') && <TableCell className="w-[10%] py-3 text-center"><div className="mx-auto h-3 w-20 rounded-md bg-muted" /></TableCell>}
+                  {showColumn('paid') && <TableCell className="w-[10%] py-3"><div className="mx-auto h-7 w-24 rounded-md bg-muted" /></TableCell>}
+                  {showColumn('paid_date') && <TableCell className="w-[10%] py-3"><div className="h-7 w-24 rounded-md bg-muted" /></TableCell>}
+                  {showColumn('status') && <TableCell className="w-[9%] py-3"><div className="mx-auto h-5 w-20 rounded-md bg-muted" /></TableCell>}
+                  {showColumn('action') && (
+                    <TableCell className="w-[10%] py-3 text-center">
+                      <div className="flex items-center justify-center gap-1">
+                        <div className="h-7 w-20 rounded-md bg-muted" />
+                        <div className="h-7 w-7 rounded-md bg-muted" />
+                      </div>
+                    </TableCell>
+                  )}
+                  {showColumn('notes') && (
+                    <TableCell className="w-[23%] py-3 border-l border-border pl-4">
+                      <div className="h-4 w-full rounded-md bg-muted" />
+                    </TableCell>
+                  )}
                 </TableRow>
               ))
             ) : rows.length === 0 ? (
               <TableRow className="border-border/50">
-                <TableCell colSpan={9} className="py-10 text-center text-sm text-muted-foreground">
+                <TableCell colSpan={tableColSpan} className="py-10 text-center text-sm text-muted-foreground">
                   No bills match — try adjusting your filters.
                 </TableCell>
               </TableRow>
@@ -277,6 +355,7 @@ export function TrackerBucket({ label, rows, year, month, refresh, onEditBill, l
                     moveControls={moveControlsFor(r, i)}
                     dragProps={dragPropsFor(r, i)}
                     isDrifted={driftedIds.has(r.id)}
+                    visibleColumns={visibleColumns}
                   />
                 ))}
               </LayoutGroup>
diff --git a/client/components/tracker/TrackerRow.jsx b/client/components/tracker/TrackerRow.jsx
index 1d69486..8cecf61 100644
--- a/client/components/tracker/TrackerRow.jsx
+++ b/client/components/tracker/TrackerRow.jsx
@@ -16,13 +16,14 @@ import {
 import MonthlyStateDialog from '@/components/tracker/MonthlyStateDialog';
 import PaymentModal from '@/components/tracker/PaymentModal';
 import { paymentDateForTrackerMonth, paymentSummary, ROW_STATUS_CLS } from '@/lib/trackerUtils';
+import { DEFAULT_TRACKER_TABLE_COLUMNS } from '@/lib/trackerTableColumns';
 import { StatusBadge } from '@/components/tracker/StatusBadge';
 import { PaymentProgress } from '@/components/tracker/PaymentProgress';
 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, isDrifted }) {
+export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveControls, dragProps, isDrifted, visibleColumns = DEFAULT_TRACKER_TABLE_COLUMNS }) {
   const amountRef                     = useRef(null);
   const [editPayment, setEditPayment] = useState(null);
   const [paymentLedgerOpen, setPaymentLedgerOpen] = useState(false);
@@ -34,6 +35,8 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
   const [showUpdateNudge, setShowUpdateNudge] = useState(false);
   const [nudgeAmount, setNudgeAmount] = useState(null);
   const [, startTransition] = useTransition();
+  const visibleColumnSet = new Set(visibleColumns);
+  const showColumn = key => visibleColumnSet.has(key);
 
   const [editingExpected, setEditingExpected] = useState(false);
   const [expectedDraft, setExpectedDraft] = useState('');
@@ -449,218 +452,234 @@ export function TrackerRow({ row, year, month, refresh, index, onEditBill, moveC
         </TableCell>
 
         {/* Due */}
-        <TableCell className="tracker-number w-[10%] py-2.5 text-[13px] font-medium text-foreground/75">
-          {editingDue ? (
-            <input
-              type="number"
-              min="1" max="31"
-              value={dueDraft}
-              autoFocus
-              onChange={e => setDueDraft(e.target.value)}
-              onBlur={handleSaveDue}
-              onKeyDown={e => {
-                if (e.key === 'Enter') e.currentTarget.blur();
-                if (e.key === 'Escape') { setEditingDue(false); }
-              }}
-              className="tracker-number w-12 rounded border border-border bg-transparent px-1 py-0.5 text-sm font-medium text-foreground outline-none focus:ring-[2px] focus:ring-ring/50"
-              title="Day of month (1–31)"
-            />
-          ) : (
-            <button
-              type="button"
-              onClick={() => { setDueDraft(String(row.due_day)); setEditingDue(true); }}
-              className="rounded px-1 py-0.5 transition-colors hover:bg-accent hover:text-foreground"
-              title="Click to edit due day"
-            >
-              {fmtDate(row.due_date)}
-            </button>
-          )}
-        </TableCell>
-
-        {/* Expected / Actual — shows actual_amount in amber when it overrides the template */}
-        <TableCell className="tracker-number w-[10%] py-2.5 text-center text-[13px] font-semibold">
-          {editingExpected ? (
-            <input
-              type="number"
-              min="0" step="0.01"
-              value={expectedDraft}
-              autoFocus
-              onChange={e => setExpectedDraft(e.target.value)}
-              onBlur={handleSaveExpected}
-              onKeyDown={e => {
-                if (e.key === 'Enter') e.currentTarget.blur();
-                if (e.key === 'Escape') { setEditingExpected(false); }
-              }}
-              className="tracker-number mx-auto w-24 rounded border border-border bg-transparent px-1 py-0.5 text-center text-sm font-semibold text-foreground outline-none focus:ring-[2px] focus:ring-ring/50"
-            />
-          ) : effectiveActual != null ? (
-            <button
-              type="button"
-              onClick={() => { setExpectedDraft(String(effectiveActual)); setEditingExpected(true); }}
-              className="mx-auto rounded px-1 py-0.5 text-amber-300 transition-colors hover:bg-accent"
-              title={`Monthly override — click to edit. Template default: ${fmt(row.expected_amount)}`}
-            >
-              {fmt(effectiveActual)}
-            </button>
-          ) : (
-            <div className="mx-auto flex w-[68px] flex-col items-center gap-0.5">
+        {showColumn('due') && (
+          <TableCell className="tracker-number w-[10%] py-2.5 text-[13px] font-medium text-foreground/75">
+            {editingDue ? (
+              <input
+                type="number"
+                min="1" max="31"
+                value={dueDraft}
+                autoFocus
+                onChange={e => setDueDraft(e.target.value)}
+                onBlur={handleSaveDue}
+                onKeyDown={e => {
+                  if (e.key === 'Enter') e.currentTarget.blur();
+                  if (e.key === 'Escape') { setEditingDue(false); }
+                }}
+                className="tracker-number w-12 rounded border border-border bg-transparent px-1 py-0.5 text-sm font-medium text-foreground outline-none focus:ring-[2px] focus:ring-ring/50"
+                title="Day of month (1–31)"
+              />
+            ) : (
               <button
                 type="button"
-                onClick={() => { setExpectedDraft(String(row.expected_amount)); setEditingExpected(true); }}
-                className="rounded px-1 py-0.5 text-center text-foreground/85 transition-colors hover:bg-accent hover:text-foreground"
-                title="Click to edit expected amount"
+                onClick={() => { setDueDraft(String(row.due_day)); setEditingDue(true); }}
+                className="rounded px-1 py-0.5 transition-colors hover:bg-accent hover:text-foreground"
+                title="Click to edit due day"
               >
-                {fmt(row.expected_amount)}
+                {fmtDate(row.due_date)}
               </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 = 40, H = 12;
-                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 && (
+            )}
+          </TableCell>
+        )}
+
+        {/* Expected / Actual — shows actual_amount in amber when it overrides the template */}
+        {showColumn('expected') && (
+          <TableCell className="tracker-number w-[10%] py-2.5 text-center text-[13px] font-semibold">
+            {editingExpected ? (
+              <input
+                type="number"
+                min="0" step="0.01"
+                value={expectedDraft}
+                autoFocus
+                onChange={e => setExpectedDraft(e.target.value)}
+                onBlur={handleSaveExpected}
+                onKeyDown={e => {
+                  if (e.key === 'Enter') e.currentTarget.blur();
+                  if (e.key === 'Escape') { setEditingExpected(false); }
+                }}
+                className="tracker-number mx-auto w-24 rounded border border-border bg-transparent px-1 py-0.5 text-center text-sm font-semibold text-foreground outline-none focus:ring-[2px] focus:ring-ring/50"
+              />
+            ) : effectiveActual != null ? (
+              <button
+                type="button"
+                onClick={() => { setExpectedDraft(String(effectiveActual)); setEditingExpected(true); }}
+                className="mx-auto rounded px-1 py-0.5 text-amber-300 transition-colors hover:bg-accent"
+                title={`Monthly override — click to edit. Template default: ${fmt(row.expected_amount)}`}
+              >
+                {fmt(effectiveActual)}
+              </button>
+            ) : (
+              <div className="mx-auto flex w-[68px] flex-col items-center gap-0.5">
                 <button
                   type="button"
-                  onClick={() => handleApplySuggestion(row.amount_suggestion.suggestion)}
-                  className="text-[10px] text-muted-foreground/50 transition-colors hover:text-muted-foreground"
-                  title={`Based on last ${row.amount_suggestion.months_used} months`}
+                  onClick={() => { setExpectedDraft(String(row.expected_amount)); setEditingExpected(true); }}
+                  className="rounded px-1 py-0.5 text-center text-foreground/85 transition-colors hover:bg-accent hover:text-foreground"
+                  title="Click to edit expected amount"
                 >
-                  ~{fmt(row.amount_suggestion.suggestion)}
+                  {fmt(row.expected_amount)}
                 </button>
-              )}
-            </div>
-          )}
-        </TableCell>
+                {isDrifted && (
+                  <span className="inline-flex items-center gap-0.5 text-[10px] font-semibold text-amber-500">
+                    <TrendingUp className="h-2.5 w-2.5" />Changed
+                  </span>
+                )}
+                {row.sparkline && row.sparkline.length >= 2 && (() => {
+                  const vals = row.sparkline;
+                  const min = Math.min(...vals);
+                  const max = Math.max(...vals);
+                  const range = max - min || 1;
+                  const W = 40, H = 12;
+                  const pts = vals.map((v, i) => {
+                    const x = (i / (vals.length - 1)) * W;
+                    const y = H - ((v - min) / range) * H;
+                    return `${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
+                    type="button"
+                    onClick={() => handleApplySuggestion(row.amount_suggestion.suggestion)}
+                    className="text-[10px] text-muted-foreground/50 transition-colors hover:text-muted-foreground"
+                    title={`Based on last ${row.amount_suggestion.months_used} months`}
+                  >
+                    ~{fmt(row.amount_suggestion.suggestion)}
+                  </button>
+                )}
+              </div>
+            )}
+          </TableCell>
+        )}
 
         {/* Previous month paid */}
-        <TableCell className="tracker-number w-[10%] py-2.5 text-center text-[13px] font-medium text-muted-foreground/80">
-          {row.previous_month_paid > 0 ? fmt(row.previous_month_paid) : '—'}
-        </TableCell>
+        {showColumn('previous') && (
+          <TableCell className="tracker-number w-[10%] py-2.5 text-center text-[13px] font-medium text-muted-foreground/80">
+            {row.previous_month_paid > 0 ? fmt(row.previous_month_paid) : '—'}
+          </TableCell>
+        )}
 
         {/* Amount paid — mismatch now compares against threshold */}
-        <TableCell className="w-[10%] py-2.5 text-center">
-          <PaymentProgress
-            row={row}
-            threshold={threshold}
-            className="mx-auto max-w-[7.5rem]"
-            onOpen={() => setPaymentLedgerOpen(true)}
-            onMarkFullAmount={!isSkipped ? handleMarkFullAmount : undefined}
-          />
-        </TableCell>
+        {showColumn('paid') && (
+          <TableCell className="w-[10%] py-2.5 text-center">
+            <PaymentProgress
+              row={row}
+              threshold={threshold}
+              className="mx-auto max-w-[7.5rem]"
+              onOpen={() => setPaymentLedgerOpen(true)}
+              onMarkFullAmount={!isSkipped ? handleMarkFullAmount : undefined}
+            />
+          </TableCell>
+        )}
 
         {/* Paid date */}
-        <TableCell className="w-[10%] py-2.5 text-[13px] text-foreground/75">
-          <button
-            type="button"
-            onClick={() => setPaymentLedgerOpen(true)}
-            className="tracker-number rounded-md px-1.5 py-0.5 font-medium transition-colors hover:bg-accent hover:text-foreground"
-            title="View payment history"
-          >
-            {row.last_paid_date ? fmtDate(row.last_paid_date) : '—'}
-            {summary.count > 1 && <span className="ml-1 text-[10px] text-muted-foreground">({summary.count})</span>}
-          </button>
-        </TableCell>
+        {showColumn('paid_date') && (
+          <TableCell className="w-[10%] py-2.5 text-[13px] text-foreground/75">
+            <button
+              type="button"
+              onClick={() => setPaymentLedgerOpen(true)}
+              className="tracker-number rounded-md px-1.5 py-0.5 font-medium transition-colors hover:bg-accent hover:text-foreground"
+              title="View payment history"
+            >
+              {row.last_paid_date ? fmtDate(row.last_paid_date) : '—'}
+              {summary.count > 1 && <span className="ml-1 text-[10px] text-muted-foreground">({summary.count})</span>}
+            </button>
+          </TableCell>
+        )}
 
         {/* Status — uses effectiveStatus (accounts for skipped + threshold) */}
-        <TableCell className="w-[9%] py-2.5">
-          <div className="flex flex-col items-center gap-1">
-            <StatusBadge
-              status={effectiveStatus}
-              clickable
-              onClick={() => {
-                if (effectiveStatus === 'skipped') return;
-                handleTogglePaid();
-              }}
-              loading={loading}
-            />
-            {row.pending_cleared && (
-              <span
-                className="inline-flex items-center rounded-full border border-amber-400/40 bg-amber-500/10 px-1.5 py-0.5 text-[9px] font-semibold uppercase tracking-wide text-amber-600 dark:text-amber-400"
-                title="Paid in tracker but may not have cleared your bank account yet"
-              >
-                Pending
-              </span>
-            )}
-          </div>
-        </TableCell>
+        {showColumn('status') && (
+          <TableCell className="w-[9%] py-2.5">
+            <div className="flex flex-col items-center gap-1">
+              <StatusBadge
+                status={effectiveStatus}
+                clickable
+                onClick={() => {
+                  if (effectiveStatus === 'skipped') return;
+                  handleTogglePaid();
+                }}
+                loading={loading}
+              />
+              {row.pending_cleared && (
+                <span
+                  className="inline-flex items-center rounded-full border border-amber-400/40 bg-amber-500/10 px-1.5 py-0.5 text-[9px] font-semibold uppercase tracking-wide text-amber-600 dark:text-amber-400"
+                  title="Paid in tracker but may not have cleared your bank account yet"
+                >
+                  Pending
+                </span>
+              )}
+            </div>
+          </TableCell>
+        )}
 
         {/* Actions */}
-        <TableCell className="w-[10%] py-2.5 text-center">
-          <div className="flex items-center justify-center gap-1">
-            {showUpdateNudge ? (
-              <div className="flex items-center gap-1 animate-in fade-in slide-in-from-right-1 duration-200">
-                <span className="text-[10px] text-muted-foreground">Update default?</span>
-                <Button
-                  size="sm" variant="ghost"
-                  onClick={handleUpdateTemplate}
-                  className="h-6 px-2 text-[10px] font-semibold text-emerald-600 hover:bg-emerald-500/10 hover:text-emerald-700 dark:text-emerald-400 dark:hover:text-emerald-300"
-                >
-                  {fmt(nudgeAmount)}
-                </Button>
-                <button
-                  type="button"
-                  onClick={() => setShowUpdateNudge(false)}
-                  className="text-muted-foreground transition-colors hover:text-foreground"
-                  title="Dismiss"
-                >
-                  <X className="h-3 w-3" />
-                </button>
-              </div>
-            ) : (
-              <>
-                {hasAutopaySuggestion && (
-                  <AutopaySuggestionActions
-                    row={row}
-                    loading={suggestionLoading}
-                    onConfirm={handleConfirmSuggestion}
-                    onDismiss={handleDismissSuggestion}
-                  />
-                )}
-                {/* Quick pay — hidden for skipped/paid bills */}
-                {!isPaid && !isSkipped && !hasAutopaySuggestion && (
-                  <div className="flex items-center gap-1">
-                    <Input
-                      ref={amountRef}
-                      type="number" min="0" step="0.01"
-                      defaultValue={summary.remaining || threshold}
-                      className="tracker-number h-7 w-20 text-right text-sm font-medium bg-background/50 border-border/50"
-                      title="Payment amount"
+        {showColumn('action') && (
+          <TableCell className="w-[10%] py-2.5 text-center">
+            <div className="flex items-center justify-center gap-1">
+              {showUpdateNudge ? (
+                <div className="flex items-center gap-1 animate-in fade-in slide-in-from-right-1 duration-200">
+                  <span className="text-[10px] text-muted-foreground">Update default?</span>
+                  <Button
+                    size="sm" variant="ghost"
+                    onClick={handleUpdateTemplate}
+                    className="h-6 px-2 text-[10px] font-semibold text-emerald-600 hover:bg-emerald-500/10 hover:text-emerald-700 dark:text-emerald-400 dark:hover:text-emerald-300"
+                  >
+                    {fmt(nudgeAmount)}
+                  </Button>
+                  <button
+                    type="button"
+                    onClick={() => setShowUpdateNudge(false)}
+                    className="text-muted-foreground transition-colors hover:text-foreground"
+                    title="Dismiss"
+                  >
+                    <X className="h-3 w-3" />
+                  </button>
+                </div>
+              ) : (
+                <>
+                  {hasAutopaySuggestion && (
+                    <AutopaySuggestionActions
+                      row={row}
+                      loading={suggestionLoading}
+                      onConfirm={handleConfirmSuggestion}
+                      onDismiss={handleDismissSuggestion}
                     />
-                    <Button
-                      size="sm" variant="ghost"
-                      onClick={handleQuickPay}
-                      className="h-7 px-2.5 text-xs font-semibold text-emerald-600 hover:text-emerald-700 hover:bg-emerald-50 dark:text-emerald-400 dark:hover:text-emerald-300 dark:hover:bg-emerald-500/10"
-                    >
-                      Add
-                    </Button>
-                  </div>
-                )}
-              </>
-            )}
-          </div>
-        </TableCell>
+                  )}
+                  {/* Quick pay — hidden for skipped/paid bills */}
+                  {!isPaid && !isSkipped && !hasAutopaySuggestion && (
+                    <div className="flex items-center gap-1">
+                      <Input
+                        ref={amountRef}
+                        type="number" min="0" step="0.01"
+                        defaultValue={summary.remaining || threshold}
+                        className="tracker-number h-7 w-20 text-right text-sm font-medium bg-background/50 border-border/50"
+                        title="Payment amount"
+                      />
+                      <Button
+                        size="sm" variant="ghost"
+                        onClick={handleQuickPay}
+                        className="h-7 px-2.5 text-xs font-semibold text-emerald-600 hover:text-emerald-700 hover:bg-emerald-50 dark:text-emerald-400 dark:hover:text-emerald-300 dark:hover:bg-emerald-500/10"
+                      >
+                        Add
+                      </Button>
+                    </div>
+                  )}
+                </>
+              )}
+            </div>
+          </TableCell>
+        )}
 
         {/* Notes cell (monthly state notes) */}
-        <TableCell className="w-[23%] py-2.5 border-l border-border pl-4">
-          <NotesCell row={{ ...row, year, month }} refresh={refresh} />
-        </TableCell>
+        {showColumn('notes') && (
+          <TableCell className="w-[23%] py-2.5 border-l border-border pl-4">
+            <NotesCell row={{ ...row, year, month }} refresh={refresh} />
+          </TableCell>
+        )}
       </TableRow>
 
       {editPayment && (
diff --git a/client/lib/trackerTableColumns.js b/client/lib/trackerTableColumns.js
new file mode 100644
index 0000000..7ea29dd
--- /dev/null
+++ b/client/lib/trackerTableColumns.js
@@ -0,0 +1,37 @@
+export const TRACKER_TABLE_COLUMNS = [
+  { key: 'due', label: 'Due' },
+  { key: 'expected', label: 'Expected' },
+  { key: 'previous', label: 'Last Month' },
+  { key: 'paid', label: 'Paid' },
+  { key: 'paid_date', label: 'Paid Date' },
+  { key: 'status', label: 'Status' },
+  { key: 'action', label: 'Action' },
+  { key: 'notes', label: 'Notes' },
+];
+
+export const TRACKER_TABLE_COLUMN_KEYS = TRACKER_TABLE_COLUMNS.map(column => column.key);
+export const DEFAULT_TRACKER_TABLE_COLUMNS = [...TRACKER_TABLE_COLUMN_KEYS];
+
+export function parseTrackerTableColumns(value) {
+  if (Array.isArray(value)) return normalizeTrackerTableColumns(value);
+  if (!value) return DEFAULT_TRACKER_TABLE_COLUMNS;
+
+  try {
+    const parsed = JSON.parse(value);
+    return normalizeTrackerTableColumns(parsed);
+  } catch {
+    return DEFAULT_TRACKER_TABLE_COLUMNS;
+  }
+}
+
+export function normalizeTrackerTableColumns(columns) {
+  const valid = new Set(TRACKER_TABLE_COLUMN_KEYS);
+  return Array.isArray(columns)
+    ? columns.filter(column => valid.has(column))
+      .filter((column, index, all) => all.indexOf(column) === index)
+    : DEFAULT_TRACKER_TABLE_COLUMNS;
+}
+
+export function trackerTableColumnsToSetting(columns) {
+  return JSON.stringify(normalizeTrackerTableColumns(columns));
+}
diff --git a/client/pages/SettingsPage.jsx b/client/pages/SettingsPage.jsx
index a9bf19f..74cfc00 100644
--- a/client/pages/SettingsPage.jsx
+++ b/client/pages/SettingsPage.jsx
@@ -238,6 +238,11 @@ function LinkImportToggle() {
   );
 }
 
+function settingsBool(value, fallback = true) {
+  if (value === undefined || value === null || value === '') return fallback;
+  return value === true || value === 'true';
+}
+
 // ─── SettingsPage ─────────────────────────────────────────────────────────────
 
 export default function SettingsPage() {
@@ -246,6 +251,12 @@ export default function SettingsPage() {
     date_format:           'MM/DD/YYYY',
     grace_period_days:     3,
     drift_threshold_pct:   '5',
+    tracker_show_bank_projection_banner: 'true',
+    tracker_bank_projection_banner_snoozed_until: '',
+    tracker_show_search_sort: 'true',
+    tracker_show_summary_cards: 'true',
+    tracker_show_overdue_command_center: 'true',
+    tracker_show_drift_insights: 'true',
   };
 
   const [settings, setSettings] = useState(DEFAULTS);
@@ -274,6 +285,12 @@ export default function SettingsPage() {
         date_format: settings.date_format,
         grace_period_days: settings.grace_period_days,
         drift_threshold_pct: settings.drift_threshold_pct,
+        tracker_show_bank_projection_banner: settings.tracker_show_bank_projection_banner,
+        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_overdue_command_center: settings.tracker_show_overdue_command_center,
+        tracker_show_drift_insights: settings.tracker_show_drift_insights,
       });
       toast.success('Settings saved.');
     } catch (err) {
@@ -351,6 +368,60 @@ export default function SettingsPage() {
         </SettingRow>
       </SectionCard>
 
+      {/* Tracker Layout */}
+      <SectionCard title="Tracker Layout">
+        <SettingRow
+          label="Bank Projection Banner"
+          description="Show the account balance and projected-after-bills banner on the tracker."
+        >
+          <Switch
+            checked={settingsBool(settings.tracker_show_bank_projection_banner)}
+            onCheckedChange={(checked) => set('tracker_show_bank_projection_banner', String(checked))}
+            aria-label="Show Bank Projection Banner"
+          />
+        </SettingRow>
+        <SettingRow
+          label="Search & sort"
+          description="Show the tracker search, filters, and sort controls."
+        >
+          <Switch
+            checked={settingsBool(settings.tracker_show_search_sort)}
+            onCheckedChange={(checked) => set('tracker_show_search_sort', String(checked))}
+            aria-label="Show Search and sort"
+          />
+        </SettingRow>
+        <SettingRow
+          label="Summary cards"
+          description="Show the bank balance, paid, overdue, previous month, and trend cards."
+        >
+          <Switch
+            checked={settingsBool(settings.tracker_show_summary_cards)}
+            onCheckedChange={(checked) => set('tracker_show_summary_cards', String(checked))}
+            aria-label="Show Summary cards"
+          />
+        </SettingRow>
+        <SettingRow
+          label="Overdue Command Center"
+          description="Show the quick-action panel for overdue bills."
+        >
+          <Switch
+            checked={settingsBool(settings.tracker_show_overdue_command_center)}
+            onCheckedChange={(checked) => set('tracker_show_overdue_command_center', String(checked))}
+            aria-label="Show Overdue Command Center"
+          />
+        </SettingRow>
+        <SettingRow
+          label="Drift insights"
+          description="Show price-change and bill-drift insights on the tracker."
+        >
+          <Switch
+            checked={settingsBool(settings.tracker_show_drift_insights)}
+            onCheckedChange={(checked) => set('tracker_show_drift_insights', String(checked))}
+            aria-label="Show Drift insights"
+          />
+        </SettingRow>
+      </SectionCard>
+
       {/* Billing Behavior */}
       <SectionCard title="Billing Behavior">
         <LinkImportToggle />
diff --git a/client/pages/TrackerPage.jsx b/client/pages/TrackerPage.jsx
index d9c46c0..6416299 100644
--- a/client/pages/TrackerPage.jsx
+++ b/client/pages/TrackerPage.jsx
@@ -1,6 +1,6 @@
 import { useState, useEffect, useMemo, useCallback } from 'react';
 import { useSearchParams } from 'react-router-dom';
-import { ChevronLeft, ChevronRight, AlertCircle, CheckCircle2, Plus, Search, RefreshCw, Landmark, ArrowUpToLine, ArrowUp, ArrowDown } from 'lucide-react';
+import { ChevronLeft, ChevronRight, AlertCircle, CheckCircle2, Plus, Search, RefreshCw, Landmark, ArrowUpToLine, ArrowUp, ArrowDown, BellOff, EyeOff } from 'lucide-react';
 import { toast } from 'sonner';
 import { api } from '@/api.js';
 import { useTracker, useDriftReport } from '@/hooks/useQueries';
@@ -30,6 +30,7 @@ import {
   TRACKER_SORT_DEFAULT_DIRS, TRACKER_SORT_LABELS,
   normalizeTrackerSortKey, normalizeTrackerSortDir, sortTrackerRows,
 } from '@/lib/trackerUtils';
+import { parseTrackerTableColumns, trackerTableColumnsToSetting } from '@/lib/trackerTableColumns';
 import { FilterChip } from '@/components/tracker/FilterChip';
 import { SummaryCard, TrendCard } from '@/components/tracker/SummaryCards';
 import { PaymentLedgerDialog } from '@/components/tracker/PaymentLedgerDialog';
@@ -42,6 +43,81 @@ function fmtBalanceAge(isoStr) {
   return new Date(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';
+}
+
+function BankProjectionBanner({ bankTracking, onSnooze, onIgnore, busy }) {
+  if (!bankTracking?.enabled) return null;
+  const isPositive = Number(bankTracking.remaining ?? 0) >= 0;
+
+  return (
+    <div className={cn(
+      'flex flex-col gap-3 rounded-xl border px-4 py-3 text-xs shadow-sm sm:flex-row sm:items-center sm:justify-between',
+      isPositive
+        ? 'border-emerald-500/20 bg-emerald-500/5 text-emerald-700 dark:text-emerald-400'
+        : 'border-destructive/20 bg-destructive/5 text-destructive',
+    )}>
+      <div className="flex min-w-0 flex-wrap items-center gap-x-2 gap-y-1">
+        <span className="relative flex h-2 w-2 shrink-0">
+          <span className="absolute inline-flex h-full w-full animate-ping rounded-full bg-current opacity-50" />
+          <span className="relative inline-flex h-2 w-2 rounded-full bg-current" />
+        </span>
+        <span className="truncate font-semibold">{bankTracking.account_name}</span>
+        <span className="text-muted-foreground">·</span>
+        <span>{fmt(bankTracking.balance ?? 0)} balance</span>
+        {bankTracking.last_updated && (
+          <>
+            <span className="text-muted-foreground">·</span>
+            <span className="text-muted-foreground">as of {fmtBalanceAge(bankTracking.last_updated)}</span>
+          </>
+        )}
+        {Number(bankTracking.pending_payments ?? 0) > 0 && (
+          <>
+            <span className="text-muted-foreground">·</span>
+            <span className="text-amber-600 dark:text-amber-400">{fmt(bankTracking.pending_payments)} pending</span>
+          </>
+        )}
+      </div>
+      <div className="flex shrink-0 flex-wrap items-center gap-2 sm:justify-end">
+        <span className="font-semibold tabular-nums">
+          {Number(bankTracking.remaining ?? 0) < 0 ? '−' : ''}{fmt(Math.abs(Number(bankTracking.remaining ?? 0)))} projected
+        </span>
+        <Button
+          type="button"
+          size="sm"
+          variant="ghost"
+          disabled={busy}
+          onClick={onSnooze}
+          className="h-7 gap-1.5 px-2 text-[11px] text-muted-foreground hover:text-foreground"
+        >
+          <BellOff className="h-3 w-3" />
+          Snooze
+        </Button>
+        <Button
+          type="button"
+          size="sm"
+          variant="ghost"
+          disabled={busy}
+          onClick={onIgnore}
+          className="h-7 gap-1.5 px-2 text-[11px] text-muted-foreground hover:text-foreground"
+        >
+          <EyeOff className="h-3 w-3" />
+          Ignore
+        </Button>
+      </div>
+    </div>
+  );
+}
+
 // ── Main page ──────────────────────────────────────────────────────────────
 function LateAttributionDialog({ attr, remaining, busy, onAccept, onDismiss }) {
   if (!attr) return null;
@@ -127,6 +203,16 @@ export default function TrackerPage() {
   const [orderedRows, setOrderedRows] = useState(null);
   const [movingBillId, setMovingBillId] = useState(null);
   const [searchPanelCollapsed, setSearchPanelCollapsed] = useSearchPanelPreference();
+  const [trackerSettings, setTrackerSettings] = useState({
+    tracker_show_bank_projection_banner: 'true',
+    tracker_bank_projection_banner_snoozed_until: '',
+    tracker_show_search_sort: 'true',
+    tracker_show_summary_cards: 'true',
+    tracker_show_overdue_command_center: 'true',
+    tracker_show_drift_insights: 'true',
+    tracker_table_columns: '["due","expected","previous","paid","paid_date","status","action","notes"]',
+  });
+  const [savingTrackerSetting, setSavingTrackerSetting] = useState(false);
 
   // Row to open in PaymentLedgerDialog via the overdue command center
   const [commandCenterPayRow, setCommandCenterPayRow] = useState(null);
@@ -148,6 +234,12 @@ export default function TrackerPage() {
       .catch(() => setBankSyncStatus(null));
   }, []);
 
+  useEffect(() => {
+    api.settings()
+      .then(settings => setTrackerSettings(prev => ({ ...prev, ...settings })))
+      .catch(() => {});
+  }, []);
+
   // Listen for late-attribution events fired by BillModal's single-bill sync
   useEffect(() => {
     function handler(e) {
@@ -245,6 +337,60 @@ export default function TrackerPage() {
   const summary      = data?.summary || {};
   const bankTracking = data?.bank_tracking;
   const cashflow     = data?.cashflow;
+  const today = localDateString();
+  const bannerSnoozedUntil = trackerSettings.tracker_bank_projection_banner_snoozed_until || '';
+  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 showDriftInsights = settingEnabled(trackerSettings.tracker_show_drift_insights);
+  const showBankProjectionBanner = settingEnabled(trackerSettings.tracker_show_bank_projection_banner) &&
+    (!bannerSnoozedUntil || bannerSnoozedUntil <= today);
+  const visibleTableColumns = useMemo(
+    () => parseTrackerTableColumns(trackerSettings.tracker_table_columns),
+    [trackerSettings.tracker_table_columns]
+  );
+
+  async function saveTrackerSettings(patch, successMessage) {
+    setSavingTrackerSetting(true);
+    setTrackerSettings(prev => ({ ...prev, ...patch }));
+    try {
+      const next = await api.saveSettings(patch);
+      setTrackerSettings(prev => ({ ...prev, ...next }));
+      if (successMessage) toast.success(successMessage);
+    } catch (err) {
+      toast.error(err.message || 'Failed to update tracker setting');
+      api.settings()
+        .then(settings => setTrackerSettings(prev => ({ ...prev, ...settings })))
+        .catch(() => {});
+    } finally {
+      setSavingTrackerSetting(false);
+    }
+  }
+
+  function snoozeBankProjectionBanner() {
+    const until = new Date();
+    until.setDate(until.getDate() + 1);
+    saveTrackerSettings({
+      tracker_bank_projection_banner_snoozed_until: localDateString(until),
+    }, 'Bank projection banner snoozed until tomorrow.');
+  }
+
+  function ignoreBankProjectionBanner() {
+    saveTrackerSettings({
+      tracker_show_bank_projection_banner: 'false',
+      tracker_bank_projection_banner_snoozed_until: '',
+    }, 'Bank projection banner hidden. You can turn it back on in Settings.');
+  }
+
+  function handleTableColumnToggle(columnKey, checked) {
+    const nextColumns = checked
+      ? [...visibleTableColumns, columnKey]
+      : visibleTableColumns.filter(key => key !== columnKey);
+
+    saveTrackerSettings({
+      tracker_table_columns: trackerTableColumnsToSetting(nextColumns),
+    });
+  }
   const toggleFilter = (key) => {
     const paramMap = { autopay: 'ap', firstBucket: 'b1', fifteenthBucket: 'b2', unpaid: 'un', overdue: 'ov', debt: 'de' };
     updateParams({ [paramMap[key]]: !filters[key] });
@@ -465,124 +611,91 @@ export default function TrackerPage() {
         </div>
       </div>
 
-      {/* ── B: Bank status bar ── */}
-      {bankTracking?.enabled && (
-        <div className={cn(
-          'flex flex-wrap items-center justify-between gap-x-4 gap-y-1 rounded-xl border px-4 py-2.5 text-xs',
-          Number(bankTracking.remaining ?? 0) >= 0
-            ? 'border-emerald-500/20 bg-emerald-500/5 text-emerald-700 dark:text-emerald-400'
-            : 'border-destructive/20 bg-destructive/5 text-destructive',
-        )}>
-          <div className="flex items-center gap-2">
-            <span className="relative flex h-2 w-2">
-              <span className="absolute inline-flex h-full w-full animate-ping rounded-full bg-current opacity-50" />
-              <span className="relative inline-flex h-2 w-2 rounded-full bg-current" />
-            </span>
-            <span className="font-semibold">{bankTracking.account_name}</span>
-            <span className="text-muted-foreground">·</span>
-            <span>{fmt(bankTracking.balance ?? 0)} balance</span>
-            {bankTracking.last_updated && (
-              <>
-                <span className="text-muted-foreground">·</span>
-                <span className="text-muted-foreground">as of {fmtBalanceAge(bankTracking.last_updated)}</span>
-              </>
-            )}
-            {Number(bankTracking.pending_payments ?? 0) > 0 && (
-              <>
-                <span className="text-muted-foreground">·</span>
-                <span className="text-amber-600 dark:text-amber-400">{fmt(bankTracking.pending_payments)} pending</span>
-              </>
-            )}
+      {showSearchSort && (
+        <SearchFilterPanel
+          title="Search & sort"
+          collapsed={searchPanelCollapsed}
+          onCollapsedChange={setSearchPanelCollapsed}
+          hasFilters={hasFilters}
+          resultLabel={`${filteredRows.length} of ${rows.length} shown`}
+          sortLabel={hasSort ? `sorted by ${TRACKER_SORT_LABELS[sortKey]} ${sortDir === TRACKER_SORT_ASC ? 'ascending' : 'descending'}` : null}
+          onClear={resetFilters}
+        >
+          <div className="grid gap-3 md:grid-cols-2 xl:grid-cols-[minmax(220px,1fr)_220px_180px_220px_auto] xl:items-center">
+            <label className="relative">
+              <Search className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-muted-foreground" />
+              <Input
+                value={search}
+                onChange={e => updateParams({ q: e.target.value || null })}
+                placeholder="Search this month by bill, category, notes, or amount"
+                className="h-10 pl-9"
+              />
+            </label>
+            <Select value={filters.category} onValueChange={value => setFilterValue('category', value)}>
+              <SelectTrigger className="h-10">
+                <SelectValue placeholder="Category" />
+              </SelectTrigger>
+              <SelectContent>
+                <SelectItem value={FILTER_ALL}>All categories</SelectItem>
+                {categoryOptions.map(category => (
+                  <SelectItem key={category.id} value={category.id}>{category.name}</SelectItem>
+                ))}
+              </SelectContent>
+            </Select>
+            <Select value={filters.cycle} onValueChange={value => setFilterValue('cycle', value)}>
+              <SelectTrigger className="h-10 capitalize">
+                <SelectValue placeholder="Billing schedule" />
+              </SelectTrigger>
+              <SelectContent>
+                <SelectItem value={FILTER_ALL}>All cycles</SelectItem>
+                {cycleOptions.map(cycle => (
+                  <SelectItem key={cycle} value={cycle}>{scheduleLabel(cycle)}</SelectItem>
+                ))}
+              </SelectContent>
+            </Select>
+            <Select value={sortKey} onValueChange={setSort}>
+              <SelectTrigger className="h-10">
+                <SelectValue placeholder="Sort by" />
+              </SelectTrigger>
+              <SelectContent>
+                {TRACKER_SORT_OPTIONS.map(option => (
+                  <SelectItem key={option.key} value={option.key}>{option.label}</SelectItem>
+                ))}
+              </SelectContent>
+            </Select>
+            <Button
+              type="button"
+              variant="outline"
+              disabled={!hasSort}
+              onClick={toggleSortDirection}
+              className="h-10 justify-center gap-2 text-xs"
+              title={hasSort ? `Sort ${sortDir === TRACKER_SORT_ASC ? 'ascending' : 'descending'}` : 'Choose a sort first'}
+            >
+              {sortDir === TRACKER_SORT_ASC ? <ArrowUp className="h-3.5 w-3.5" /> : <ArrowDown className="h-3.5 w-3.5" />}
+              <span>{sortDir === TRACKER_SORT_ASC ? 'Asc' : 'Desc'}</span>
+            </Button>
           </div>
-          <span className="font-semibold tabular-nums">
-            {Number(bankTracking.remaining ?? 0) < 0 ? '−' : ''}{fmt(Math.abs(Number(bankTracking.remaining ?? 0)))} projected
-          </span>
-        </div>
+          <div className="flex flex-wrap items-center gap-2">
+            <FilterChip active={filters.unpaid} onClick={() => toggleFilter('unpaid')}>Unpaid</FilterChip>
+            <FilterChip active={filters.overdue} onClick={() => toggleFilter('overdue')}>Overdue</FilterChip>
+            <FilterChip active={filters.autopay} onClick={() => toggleFilter('autopay')}>Autopay</FilterChip>
+            <FilterChip active={filters.firstBucket} onClick={() => toggleFilter('firstBucket')}>1st bucket</FilterChip>
+            <FilterChip active={filters.fifteenthBucket} onClick={() => toggleFilter('fifteenthBucket')}>15th bucket</FilterChip>
+            <FilterChip active={filters.debt} onClick={() => toggleFilter('debt')}>Debt</FilterChip>
+            <span className="ml-auto text-xs text-muted-foreground tabular-nums">
+              {filteredRows.length} of {rows.length} shown
+              {hasSort && (
+                <span className="ml-2 hidden sm:inline">
+                  · sorted by {TRACKER_SORT_LABELS[sortKey]} {sortDir === TRACKER_SORT_ASC ? 'ascending' : 'descending'}
+                </span>
+              )}
+            </span>
+          </div>
+        </SearchFilterPanel>
       )}
 
-      <SearchFilterPanel
-        title="Search & sort"
-        collapsed={searchPanelCollapsed}
-        onCollapsedChange={setSearchPanelCollapsed}
-        hasFilters={hasFilters}
-        resultLabel={`${filteredRows.length} of ${rows.length} shown`}
-        sortLabel={hasSort ? `sorted by ${TRACKER_SORT_LABELS[sortKey]} ${sortDir === TRACKER_SORT_ASC ? 'ascending' : 'descending'}` : null}
-        onClear={resetFilters}
-      >
-        <div className="grid gap-3 md:grid-cols-2 xl:grid-cols-[minmax(220px,1fr)_220px_180px_220px_auto] xl:items-center">
-          <label className="relative">
-            <Search className="pointer-events-none absolute left-3 top-1/2 h-4 w-4 -translate-y-1/2 text-muted-foreground" />
-            <Input
-              value={search}
-              onChange={e => updateParams({ q: e.target.value || null })}
-              placeholder="Search this month by bill, category, notes, or amount"
-              className="h-10 pl-9"
-            />
-          </label>
-          <Select value={filters.category} onValueChange={value => setFilterValue('category', value)}>
-            <SelectTrigger className="h-10">
-              <SelectValue placeholder="Category" />
-            </SelectTrigger>
-            <SelectContent>
-              <SelectItem value={FILTER_ALL}>All categories</SelectItem>
-              {categoryOptions.map(category => (
-                <SelectItem key={category.id} value={category.id}>{category.name}</SelectItem>
-              ))}
-            </SelectContent>
-          </Select>
-          <Select value={filters.cycle} onValueChange={value => setFilterValue('cycle', value)}>
-            <SelectTrigger className="h-10 capitalize">
-              <SelectValue placeholder="Billing schedule" />
-            </SelectTrigger>
-            <SelectContent>
-              <SelectItem value={FILTER_ALL}>All cycles</SelectItem>
-              {cycleOptions.map(cycle => (
-                <SelectItem key={cycle} value={cycle}>{scheduleLabel(cycle)}</SelectItem>
-              ))}
-            </SelectContent>
-          </Select>
-          <Select value={sortKey} onValueChange={setSort}>
-            <SelectTrigger className="h-10">
-              <SelectValue placeholder="Sort by" />
-            </SelectTrigger>
-            <SelectContent>
-              {TRACKER_SORT_OPTIONS.map(option => (
-                <SelectItem key={option.key} value={option.key}>{option.label}</SelectItem>
-              ))}
-            </SelectContent>
-          </Select>
-          <Button
-            type="button"
-            variant="outline"
-            disabled={!hasSort}
-            onClick={toggleSortDirection}
-            className="h-10 justify-center gap-2 text-xs"
-            title={hasSort ? `Sort ${sortDir === TRACKER_SORT_ASC ? 'ascending' : 'descending'}` : 'Choose a sort first'}
-          >
-            {sortDir === TRACKER_SORT_ASC ? <ArrowUp className="h-3.5 w-3.5" /> : <ArrowDown className="h-3.5 w-3.5" />}
-            <span>{sortDir === TRACKER_SORT_ASC ? 'Asc' : 'Desc'}</span>
-          </Button>
-        </div>
-        <div className="flex flex-wrap items-center gap-2">
-          <FilterChip active={filters.unpaid} onClick={() => toggleFilter('unpaid')}>Unpaid</FilterChip>
-          <FilterChip active={filters.overdue} onClick={() => toggleFilter('overdue')}>Overdue</FilterChip>
-          <FilterChip active={filters.autopay} onClick={() => toggleFilter('autopay')}>Autopay</FilterChip>
-          <FilterChip active={filters.firstBucket} onClick={() => toggleFilter('firstBucket')}>1st bucket</FilterChip>
-          <FilterChip active={filters.fifteenthBucket} onClick={() => toggleFilter('fifteenthBucket')}>15th bucket</FilterChip>
-          <FilterChip active={filters.debt} onClick={() => toggleFilter('debt')}>Debt</FilterChip>
-          <span className="ml-auto text-xs text-muted-foreground tabular-nums">
-            {filteredRows.length} of {rows.length} shown
-            {hasSort && (
-              <span className="ml-2 hidden sm:inline">
-                · sorted by {TRACKER_SORT_LABELS[sortKey]} {sortDir === TRACKER_SORT_ASC ? 'ascending' : 'descending'}
-              </span>
-            )}
-          </span>
-        </div>
-      </SearchFilterPanel>
-
       {/* ── Summary cards (backend already excludes skipped from totals) ── */}
-      {loading ? (
+      {showSummaryCards && loading ? (
         <div className="grid grid-cols-2 gap-3 lg:flex" aria-busy="true">
           <Skeleton variant="card" className="h-32" />
           <Skeleton variant="card" className="h-32" />
@@ -591,7 +704,7 @@ export default function TrackerPage() {
           <Skeleton variant="card" className="h-32" />
           {summary.trend && <Skeleton variant="card" className="h-32" />}
         </div>
-      ) : (
+      ) : showSummaryCards ? (
         <div className="grid grid-cols-2 gap-3 lg:flex">
           {bankTracking?.enabled ? (
             <button
@@ -653,10 +766,10 @@ export default function TrackerPage() {
           <SummaryCard type="paid"      value={summary.previous_month_total} hint="Previous month"/>
           {summary.trend && <TrendCard trend={summary.trend} />}
         </div>
-      )}
+      ) : null}
 
       {/* ── Overdue Command Center ── */}
-      {!isError && !loading && (summary?.count_late ?? 0) > 0 && (
+      {!isError && !loading && showOverdueCommandCenter && (summary?.count_late ?? 0) > 0 && (
         <OverdueCommandCenter
           rows={rows}
           year={year}
@@ -666,8 +779,18 @@ export default function TrackerPage() {
         />
       )}
 
+      {/* ── Bank Projection Banner ── */}
+      {!isError && !loading && showBankProjectionBanner && (
+        <BankProjectionBanner
+          bankTracking={bankTracking}
+          busy={savingTrackerSetting}
+          onSnooze={snoozeBankProjectionBanner}
+          onIgnore={ignoreBankProjectionBanner}
+        />
+      )}
+
       {/* ── Drift / Price-Change Insights ── */}
-      {!isError && !loading && (driftData?.bills?.length ?? 0) > 0 && (
+      {!isError && !loading && showDriftInsights && (driftData?.bills?.length ?? 0) > 0 && (
         <DriftInsightPanel
           driftBills={driftData.bills}
           refresh={() => { refetch(); refetchDrift(); }}
@@ -742,8 +865,8 @@ 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)} 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} />}
+          {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} visibleColumns={visibleTableColumns} onColumnToggle={handleTableColumnToggle} columnsSaving={savingTrackerSetting} />}
+          {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} visibleColumns={visibleTableColumns} onColumnToggle={handleTableColumnToggle} columnsSaving={savingTrackerSetting} />}
         </div>
       )}
 
diff --git a/services/userSettings.js b/services/userSettings.js
index c0a1c94..942ac3f 100644
--- a/services/userSettings.js
+++ b/services/userSettings.js
@@ -13,10 +13,24 @@ const USER_SETTING_KEYS = [
   'bank_tracking_pending_days',
   'bank_late_attribution_days',
   'search_bars_collapsed',
+  'tracker_show_bank_projection_banner',
+  'tracker_bank_projection_banner_snoozed_until',
+  'tracker_show_search_sort',
+  'tracker_show_summary_cards',
+  'tracker_show_overdue_command_center',
+  'tracker_show_drift_insights',
+  'tracker_table_columns',
 ];
 
 const USER_SETTING_DEFAULTS = {
   search_bars_collapsed: 'false',
+  tracker_show_bank_projection_banner: 'true',
+  tracker_bank_projection_banner_snoozed_until: '',
+  tracker_show_search_sort: 'true',
+  tracker_show_summary_cards: 'true',
+  tracker_show_overdue_command_center: 'true',
+  tracker_show_drift_insights: 'true',
+  tracker_table_columns: '["due","expected","previous","paid","paid_date","status","action","notes"]',
 };
 
 function defaultUserSettings() {