diff --git a/app/routes/dashboard.py b/app/routes/dashboard.py
index d796150..2eee385 100644
--- a/app/routes/dashboard.py
+++ b/app/routes/dashboard.py
@@ -7,7 +7,7 @@ from app.models.transaction import Transaction
 from app.models.category import Category
 from app.services.fx_service import get_today_rate, get_rate_history, force_refresh
 from app.services.ai_service import get_latest_daily_insight
-from app.services.account_service import get_total_assets, get_total_liabilities
+from app.services.account_service import get_total_assets, get_total_liabilities, recalc_all
 from datetime import date, datetime, timedelta
 import calendar
 
@@ -62,6 +62,7 @@ def index():
     net_cash_flow = float(total_income) - float(total_expense)
 
     # ── Accounts ─────────────────────────────────────
+    recalc_all()
     accounts = Account.query.filter_by(is_active=True).order_by(Account.name).all()
     total_assets = get_total_assets()
     total_liabilities = get_total_liabilities()
diff --git a/app/templates/dashboard/index.html b/app/templates/dashboard/index.html
index e1db06d..56e5c71 100644
--- a/app/templates/dashboard/index.html
+++ b/app/templates/dashboard/index.html
@@ -197,7 +197,17 @@
                             <div style="font-size:11px;color:var(--muted);">{{ acct.account_type | replace('_',' ') | title }}</div>
                         </div>
                     </div>
+                    {% if acct.account_type == 'credit_card' %}
+                    {% set cc_owed = [0, -acct.balance] | max %}
+                    <div class="text-end">
+                        <span class="mono {% if cc_owed > 0 %}text-expense{% else %}text-income{% endif %}" style="font-size:13px;font-weight:600;">
+                            {% if cc_owed > 0 %}-{% endif %}{{ cc_owed | currency }}
+                        </span>
+                        <div style="font-size:10px;color:var(--muted);">owed</div>
+                    </div>
+                    {% else %}
                     <span class="mono {% if acct.balance >= 0 %}text-income{% else %}text-expense{% endif %}" style="font-size:13px;font-weight:600;">{{ acct.balance | currency }}</span>
+                    {% endif %}
                 </div>
                 {% endfor %}
                 <div class="mt-3 pt-1" style="font-size:12px;color:var(--muted);">