diff --git a/app/routes/dashboard.py b/app/routes/dashboard.py
index 4f9ae12..e51d647 100644
--- a/app/routes/dashboard.py
+++ b/app/routes/dashboard.py
@@ -253,6 +253,18 @@ def reconcile_api():
     })
 
 
+@dashboard_bp.route('/api/health-score')
+@login_required
+def health_score_api():
+    from app.services.health_score_service import compute_health_score
+    try:
+        data = compute_health_score()
+    except Exception as e:
+        log.warning('[dashboard] health_score_api failed: %s', e)
+        return jsonify({'error': str(e)}), 500
+    return jsonify(data)
+
+
 @dashboard_bp.route('/api/anomalies')
 @login_required
 def anomalies_api():
diff --git a/app/routes/settings.py b/app/routes/settings.py
index 4b46167..de58080 100644
--- a/app/routes/settings.py
+++ b/app/routes/settings.py
@@ -1,7 +1,7 @@
 import os
 import uuid
 from flask import (Blueprint, render_template, redirect, url_for, flash,
-                   request, current_app, send_from_directory)
+                   request, current_app, send_from_directory, jsonify)
 from flask_login import login_required, current_user
 from app.utils.audit import audit
 from flask_wtf import FlaskForm
@@ -208,6 +208,21 @@ def recurring():
     return render_template('settings/recurring.html', rules=rules, upcoming=upcoming)
 
 
+@settings_bp.route('/recurring/projection')
+@login_required
+def recurring_projection():
+    days = request.args.get('days', 30, type=int)
+    if days not in (30, 60, 90):
+        days = 30
+    from app.services.recurring_service import projected_cash_flow
+    data = projected_cash_flow(days)
+    # Serialize events (date objects → string)
+    data['events'] = [
+        {**ev, 'date': ev['date'].strftime('%b %d')} for ev in data['events']
+    ]
+    return jsonify(data)
+
+
 @settings_bp.route('/recurring/new', methods=['GET', 'POST'])
 @login_required
 def recurring_new():
diff --git a/app/routes/transactions.py b/app/routes/transactions.py
index 0fb66bd..4ea4a36 100644
--- a/app/routes/transactions.py
+++ b/app/routes/transactions.py
@@ -443,12 +443,21 @@ def ocr_receipt_file():
     from app.models.category import Category
     from flask import current_app
 
+    from app.models.receipt import Receipt
+
     data = request.get_json()
     if not data or not data.get('filename'):
         return jsonify({'error': 'No filename provided'}), 400
 
     # Security: only allow basenames, no path traversal
     filename = os.path.basename(data['filename'])
+
+    # Ownership check: filename must exist in receipts table (single-user, but
+    # prevents OCR extraction from arbitrary files on disk via a crafted request)
+    receipt_record = Receipt.query.filter_by(filename=filename).first()
+    if not receipt_record:
+        return jsonify({'error': 'Receipt not found'}), 404
+
     upload_dir = current_app.config.get('UPLOAD_FOLDER', '/home/pfm/app/uploads')
     file_path = os.path.join(upload_dir, filename)
 
diff --git a/app/services/health_score_service.py b/app/services/health_score_service.py
new file mode 100644
index 0000000..b147541
--- /dev/null
+++ b/app/services/health_score_service.py
@@ -0,0 +1,245 @@
+"""
+Financial Health Score — synthesises savings rate, budget adherence, goal
+progress, and emergency fund coverage into a single 0–100 score.
+
+Each component is worth 25 points.  Returns the total score plus a breakdown
+so the UI can show per-component detail and suggestions.
+"""
+
+from datetime import date
+from dateutil.relativedelta import relativedelta
+from sqlalchemy import func
+from app.extensions import db
+from app.models.transaction import Transaction
+from app.models.goal import Goal
+
+
+# ── Component scorers ────────────────────────────────────────────────────────
+
+def _score_savings(max_pts=25):
+    """
+    Avg savings rate over the last 3 full months.
+    ≥ 20% → full marks; 10–20% → 18; 1–10% → 10; ≤ 0% → 0.
+    """
+    today = date.today()
+    month_start = today.replace(day=1)
+
+    # Collect last 3 complete months
+    incomes, expenses = [], []
+    for i in range(1, 4):
+        mo_end = (month_start - relativedelta(days=1))
+        mo_start = mo_end.replace(day=1)
+        month_start = mo_start
+
+        inc = float(db.session.query(func.coalesce(func.sum(Transaction.amount), 0))
+                    .filter(Transaction.transaction_type == 'income',
+                            Transaction.date >= mo_start,
+                            Transaction.date <= mo_end).scalar())
+        exp = float(db.session.query(func.coalesce(func.sum(Transaction.amount), 0))
+                    .filter(Transaction.transaction_type == 'expense',
+                            Transaction.date >= mo_start,
+                            Transaction.date <= mo_end).scalar())
+        incomes.append(inc)
+        expenses.append(exp)
+
+    total_inc = sum(incomes)
+    total_exp = sum(expenses)
+    rate = ((total_inc - total_exp) / total_inc * 100) if total_inc > 0 else 0
+
+    if rate >= 20:
+        pts = max_pts
+    elif rate >= 10:
+        pts = round(max_pts * 0.72)   # 18/25
+    elif rate > 0:
+        pts = round(max_pts * 0.40)   # 10/25
+    else:
+        pts = 0
+
+    return {
+        'points':  pts,
+        'max':     max_pts,
+        'value':   round(rate, 1),
+        'label':   f'{rate:+.1f}% savings rate (3-mo avg)',
+        'tip':     None if rate >= 20 else (
+                   'Aim for 20%+ savings rate.' if rate < 10 else
+                   'Good start — push toward 20%.'),
+    }
+
+
+def _score_budgets(max_pts=25):
+    """
+    What fraction of budgeted categories are currently under their limit?
+    All under → full marks; scales linearly.
+    """
+    from app.services.budget_service import get_budget_summary
+    month_str = date.today().strftime('%Y-%m')
+    summary   = [s for s in get_budget_summary(month_str) if s['has_budget']]
+
+    if not summary:
+        return {
+            'points': max_pts,   # no budgets set → not penalised
+            'max':    max_pts,
+            'value':  None,
+            'label':  'No budgets set',
+            'tip':    'Set monthly budgets to track spending limits.',
+        }
+
+    under = sum(1 for s in summary if not s['is_over'])
+    ratio = under / len(summary)
+    pts   = round(ratio * max_pts)
+
+    over_cats = [s['category'].name for s in summary if s['is_over']]
+    tip = None
+    if over_cats:
+        tip = f'Over budget: {", ".join(over_cats[:3])}{"…" if len(over_cats) > 3 else ""}.'
+
+    return {
+        'points': pts,
+        'max':    max_pts,
+        'value':  round(ratio * 100, 1),
+        'label':  f'{under}/{len(summary)} categories under budget',
+        'tip':    tip,
+    }
+
+
+def _score_goals(max_pts=25):
+    """
+    Average completion % across active (non-completed) goals.
+    100% avg → full marks; scales linearly.
+    """
+    goals = Goal.query.filter_by(is_completed=False).all()
+    if not goals:
+        completed = Goal.query.filter_by(is_completed=True).count()
+        return {
+            'points': max_pts if completed else round(max_pts * 0.5),
+            'max':    max_pts,
+            'value':  100.0 if completed else 0.0,
+            'label':  'All goals completed!' if completed else 'No savings goals set',
+            'tip':    None if completed else 'Create a savings goal to track progress.',
+        }
+
+    pcts = []
+    for g in goals:
+        target = float(g.target_amount)
+        if target > 0:
+            pcts.append(min(float(g.current_amount) / target * 100, 100))
+
+    avg = (sum(pcts) / len(pcts)) if pcts else 0
+    pts = round(avg / 100 * max_pts)
+
+    behind = [g.name for g, p in zip(goals, pcts) if p < 25]
+    tip = None
+    if behind:
+        tip = f'Behind on: {", ".join(behind[:2])}{"…" if len(behind) > 2 else ""}.'
+
+    return {
+        'points': pts,
+        'max':    max_pts,
+        'value':  round(avg, 1),
+        'label':  f'{round(avg, 0):.0f}% avg goal progress ({len(goals)} active)',
+        'tip':    tip,
+    }
+
+
+def _score_emergency_fund(max_pts=25):
+    """
+    Liquid assets vs 3-month expense target.
+    ≥ 3 months → full marks; scales linearly up to 3 months.
+    """
+    from app.services.goal_service import get_emergency_fund_status
+    ef = get_emergency_fund_status()
+
+    liquid   = ef['liquid_assets']
+    target3  = ef['target_3mo']
+    covered  = ef['months_covered']
+    pct3     = ef['pct_3mo']  # 0–100, capped
+
+    pts = round(pct3 / 100 * max_pts)
+
+    if covered >= 3:
+        tip = None
+    elif covered >= 1:
+        short = target3 - liquid
+        tip   = f'Build to 3-month emergency fund (need ${short:,.0f} more).'
+    else:
+        tip = 'Start an emergency fund — aim for 1 month of expenses first.'
+
+    return {
+        'points': pts,
+        'max':    max_pts,
+        'value':  round(covered, 1),
+        'label':  f'{covered:.1f} months emergency fund',
+        'tip':    tip,
+    }
+
+
+# ── Public API ───────────────────────────────────────────────────────────────
+
+def compute_health_score():
+    """
+    Compute the overall financial health score.
+
+    Returns:
+        {
+          score:      int  0–100
+          grade:      str  'A' | 'B' | 'C' | 'D' | 'F'
+          color:      str  CSS color
+          components: list of component dicts
+        }
+    """
+    components = {
+        'savings':        _score_savings(),
+        'budgets':        _score_budgets(),
+        'goals':          _score_goals(),
+        'emergency_fund': _score_emergency_fund(),
+    }
+
+    score = sum(c['points'] for c in components.values())
+
+    if score >= 85:
+        grade, color = 'A', '#10b981'
+    elif score >= 70:
+        grade, color = 'B', '#3b82f6'
+    elif score >= 55:
+        grade, color = 'C', '#f59e0b'
+    elif score >= 40:
+        grade, color = 'D', '#f97316'
+    else:
+        grade, color = 'F', '#ef4444'
+
+    # Add display names for the template
+    labels = {
+        'savings':        'Savings Rate',
+        'budgets':        'Budget Adherence',
+        'goals':          'Goal Progress',
+        'emergency_fund': 'Emergency Fund',
+    }
+    icons = {
+        'savings':        'bi-piggy-bank',
+        'budgets':        'bi-pie-chart',
+        'goals':          'bi-bullseye',
+        'emergency_fund': 'bi-shield-check',
+    }
+
+    component_list = [
+        {
+            'key':    key,
+            'name':   labels[key],
+            'icon':   icons[key],
+            'points': c['points'],
+            'max':    c['max'],
+            'value':  c['value'],
+            'label':  c['label'],
+            'tip':    c['tip'],
+            'pct':    round(c['points'] / c['max'] * 100),
+        }
+        for key, c in components.items()
+    ]
+
+    return {
+        'score':      score,
+        'grade':      grade,
+        'color':      color,
+        'components': component_list,
+        'tips':       [c['tip'] for c in component_list if c['tip']],
+    }
diff --git a/app/services/recurring_service.py b/app/services/recurring_service.py
index d94a213..cf1bc88 100644
--- a/app/services/recurring_service.py
+++ b/app/services/recurring_service.py
@@ -94,6 +94,104 @@ def process_due_rules(dry_run=False):
     return created
 
 
+def projected_cash_flow(days=90):
+    """
+    Build a projected cash flow from all active recurring rules over the next
+    N days.  Returns weekly-bucketed chart data plus a flat event list.
+
+    Returns dict:
+      labels         — list of 'Mon DD' strings (week-start dates)
+      income         — list of floats (income per week bucket)
+      expense        — list of floats (expense per week bucket)
+      balance        — list of floats (running balance at end of each bucket)
+      events         — list of {date, description, amount, type, rule_id}
+      starting_balance — float
+      ending_balance   — float
+      total_income     — float
+      total_expense    — float
+      net              — float
+    """
+    from app.models.account import Account
+    from sqlalchemy import func
+    from app.extensions import db
+
+    today = date.today()
+    cutoff = today + timedelta(days=days)
+
+    # Starting balance = sum of all active account balances
+    starting_balance = float(
+        db.session.query(func.coalesce(func.sum(Account.balance), 0))
+        .filter(Account.is_active == True)
+        .scalar()
+    )
+
+    # Enumerate all occurrences of active rules within the window
+    rules = RecurringRule.query.filter_by(is_active=True).all()
+    events = []
+    for rule in rules:
+        run_date = rule.next_run or rule.start_date
+        # Advance to window start if rule fires before today
+        while run_date < today:
+            run_date = next_occurrence(run_date, rule.frequency)
+        while run_date <= cutoff:
+            if rule.end_date and run_date > rule.end_date:
+                break
+            events.append({
+                'date':        run_date,
+                'description': rule.description,
+                'amount':      float(rule.amount),
+                'type':        rule.transaction_type,
+                'rule_id':     rule.id,
+            })
+            run_date = next_occurrence(run_date, rule.frequency)
+
+    events.sort(key=lambda e: e['date'])
+
+    # Build weekly buckets: each bucket starts on Monday
+    # Find the Monday on or before today
+    week_start = today - timedelta(days=today.weekday())
+    buckets = []
+    ws = week_start
+    while ws <= cutoff:
+        buckets.append(ws)
+        ws += timedelta(weeks=1)
+
+    bucket_income  = [0.0] * len(buckets)
+    bucket_expense = [0.0] * len(buckets)
+
+    for ev in events:
+        # Find which bucket this event falls in
+        idx = (ev['date'] - week_start).days // 7
+        if 0 <= idx < len(buckets):
+            if ev['type'] == 'income':
+                bucket_income[idx] += ev['amount']
+            else:
+                bucket_expense[idx] += ev['amount']
+
+    # Running balance
+    running = starting_balance
+    bucket_balance = []
+    for inc, exp in zip(bucket_income, bucket_expense):
+        running += inc - exp
+        bucket_balance.append(round(running, 2))
+
+    total_income  = sum(bucket_income)
+    total_expense = sum(bucket_expense)
+
+    return {
+        'labels':           [b.strftime('%b %d') for b in buckets],
+        'income':           [round(v, 2) for v in bucket_income],
+        'expense':          [round(v, 2) for v in bucket_expense],
+        'balance':          bucket_balance,
+        'events':           events,
+        'starting_balance': round(starting_balance, 2),
+        'ending_balance':   round(bucket_balance[-1], 2) if bucket_balance else round(starting_balance, 2),
+        'total_income':     round(total_income, 2),
+        'total_expense':    round(total_expense, 2),
+        'net':              round(total_income - total_expense, 2),
+    }
+
+
 def get_upcoming(days=30):
     """Return list of upcoming recurring transactions in the next N days."""
     today = date.today()
diff --git a/app/templates/bank_import/index.html b/app/templates/bank_import/index.html
index 93168a5..32a997e 100644
--- a/app/templates/bank_import/index.html
+++ b/app/templates/bank_import/index.html
@@ -197,6 +197,17 @@
         </div>
       </div>
 
+      {# Import progress bar (shown only during chunked import) #}
+      <div id="import-progress-wrap" class="d-none mt-3">
+        <div class="d-flex justify-content-between align-items-center mb-1" style="font-size:12px;color:var(--muted);">
+          <span id="import-progress-label">Importing…</span>
+          <span id="import-progress-pct" class="mono fw-bold">0%</span>
+        </div>
+        <div class="progress" style="height:6px;border-radius:3px;">
+          <div id="import-progress-bar" class="progress-bar bg-success" role="progressbar" style="width:0%;transition:width .3s ease;"></div>
+        </div>
+      </div>
+
       {# Parse errors (non-fatal) #}
       <div id="parse-warnings" class="alert alert-warning d-none mb-3" style="font-size:12px;">
         <strong>Warnings</strong> — these rows were skipped:<br>
@@ -580,31 +591,56 @@
     setImportLoading(true);
     $('import-error').classList.add('d-none');
 
-    fetch('{{ url_for("bank_import.confirm_import") }}', {
-      method: 'POST',
-      headers: {
-        'Content-Type': 'application/json',
-        'X-CSRFToken': CSRF,
-      },
-      body: JSON.stringify({ account_id: parseInt(accountId), skip_dupes: skipDupes, rows }),
-    })
-      .then(r => r.json())
-      .then(data => {
+    const CHUNK = 50;
+    const useChunks = rows.length > CHUNK;
+    let totalImported = 0, totalSkipped = 0;
+
+    function setProgress(done, total) {
+      const pct = Math.round(done / total * 100);
+      $('import-progress-bar').style.width = pct + '%';
+      $('import-progress-pct').textContent = pct + '%';
+      $('import-progress-label').textContent = `Importing… ${done} of ${total}`;
+    }
+
+    async function sendChunks() {
+      if (useChunks) {
+        $('import-progress-wrap').classList.remove('d-none');
+        setProgress(0, rows.length);
+      }
+
+      const chunks = [];
+      for (let i = 0; i < rows.length; i += CHUNK) chunks.push(rows.slice(i, i + CHUNK));
+      let sent = 0;
+
+      for (const chunk of chunks) {
+        const r = await fetch('{{ url_for("bank_import.confirm_import") }}', {
+          method: 'POST',
+          headers: { 'Content-Type': 'application/json', 'X-CSRFToken': CSRF },
+          body: JSON.stringify({ account_id: parseInt(accountId), skip_dupes: skipDupes, rows: chunk }),
+        });
+        const data = await r.json();
+        if (data.error) throw new Error(data.error);
+        totalImported += data.imported;
+        totalSkipped  += data.skipped;
+        sent += chunk.length;
+        if (useChunks) setProgress(sent, rows.length);
+      }
+    }
+
+    sendChunks()
+      .then(() => {
         setImportLoading(false);
-        if (data.error) {
-          $('import-error').textContent = data.error;
-          $('import-error').classList.remove('d-none');
-          return;
-        }
+        $('import-progress-wrap').classList.add('d-none');
         $('done-title').textContent =
-          data.imported + ' transaction' + (data.imported !== 1 ? 's' : '') + ' imported successfully';
+          totalImported + ' transaction' + (totalImported !== 1 ? 's' : '') + ' imported successfully';
         $('done-subtitle').textContent =
-          data.skipped > 0 ? data.skipped + ' duplicate(s) skipped.' : 'All transactions were new.';
+          totalSkipped > 0 ? totalSkipped + ' duplicate(s) skipped.' : 'All transactions were new.';
         showStep('step-done');
       })
       .catch(err => {
         setImportLoading(false);
-        $('import-error').textContent = 'Request failed: ' + err;
+        $('import-progress-wrap').classList.add('d-none');
+        $('import-error').textContent = 'Import failed: ' + err;
         $('import-error').classList.remove('d-none');
       });
   });
diff --git a/app/templates/base.html b/app/templates/base.html
index d13b96e..01850db 100644
--- a/app/templates/base.html
+++ b/app/templates/base.html
@@ -198,8 +198,88 @@
       .sb-overlay.on { display: block; }
 
       @keyframes spin { to { transform: rotate(360deg); } }
+
+      /* ── Dark mode ─────────────────────────────────────────────────────── */
+      body.dark-mode {
+        --body-bg: #0f172a; --card-bg: #1e293b; --text: #e2e8f0;
+        --muted: #94a3b8;   --border: #334155;
+        color-scheme: dark;
+      }
+      body.dark-mode #topbar  { background: #1e293b; border-color: #334155; }
+      body.dark-mode .pfm-table tbody tr:hover { background: #263548; }
+      body.dark-mode .pfm-table th, body.dark-mode .pfm-table td { border-color: #334155; }
+      body.dark-mode .form-control, body.dark-mode .form-select {
+        background: #0f172a; border-color: #334155; color: #e2e8f0;
+      }
+      body.dark-mode .form-control:focus, body.dark-mode .form-select:focus {
+        background: #0f172a; border-color: #3b82f6; color: #e2e8f0;
+        box-shadow: 0 0 0 .2rem rgba(59,130,246,.25);
+      }
+      body.dark-mode .form-control::placeholder { color: #475569; }
+      body.dark-mode .form-check-input { background-color: #334155; border-color: #475569; }
+      body.dark-mode .form-check-input:checked { background-color: #3b82f6; border-color: #3b82f6; }
+      body.dark-mode .btn-outline-secondary { color: #94a3b8; border-color: #334155; }
+      body.dark-mode .btn-outline-secondary:hover,
+      body.dark-mode .btn-outline-secondary:focus { background: #334155; color: #e2e8f0; border-color: #334155; }
+      body.dark-mode .btn-outline-primary  { color: #93c5fd; border-color: #1e40af; }
+      body.dark-mode .btn-outline-primary:hover { background: #1e40af; color: #fff; }
+      body.dark-mode .btn-outline-warning  { color: #fcd34d; border-color: #92400e; }
+      body.dark-mode .btn-outline-warning:hover { background: #92400e; color: #fff; }
+      body.dark-mode .btn-outline-danger   { color: #fca5a5; border-color: #991b1b; }
+      body.dark-mode .btn-outline-danger:hover  { background: #991b1b; color: #fff; }
+      body.dark-mode .dropdown-menu { background: #1e293b; border-color: #334155; }
+      body.dark-mode .dropdown-item { color: #e2e8f0; }
+      body.dark-mode .dropdown-item:hover, body.dark-mode .dropdown-item:focus { background: #334155; color: #f1f5f9; }
+      body.dark-mode .dropdown-divider { border-color: #334155; }
+      body.dark-mode .modal-content { background: #1e293b; border-color: #334155; color: #e2e8f0; }
+      body.dark-mode .modal-header, body.dark-mode .modal-footer { border-color: #334155; }
+      body.dark-mode .modal-header .btn-close { filter: invert(1) grayscale(1); }
+      body.dark-mode .alert-warning { background: #451a03; border-color: #92400e; color: #fcd34d; }
+      body.dark-mode .alert-danger  { background: #450a0a; border-color: #991b1b; color: #fca5a5; }
+      body.dark-mode .alert-success { background: #052e16; border-color: #166534; color: #86efac; }
+      body.dark-mode .alert-info    { background: #0c1a2e; border-color: #1e40af; color: #93c5fd; }
+      body.dark-mode .progress      { background: #334155; }
+      body.dark-mode .table { color: #e2e8f0; }
+      body.dark-mode .input-group-text { background: #334155; border-color: #334155; color: #94a3b8; }
+      body.dark-mode .badge-income   { background: #064e3b; color: #6ee7b7; }
+      body.dark-mode .badge-expense  { background: #450a0a; color: #fca5a5; }
+      body.dark-mode .badge-transfer { background: #1e3a5f; color: #93c5fd; }
+      body.dark-mode #kbd-modal kbd  { background: #334155; border-color: #475569; color: #e2e8f0; }
+      body.dark-mode .report-tab     { background: #1e293b; border-color: #334155; color: #94a3b8; }
+      body.dark-mode .report-tab:hover { background: #334155; color: #e2e8f0; }
+      body.dark-mode .report-tab.active { background: #e2e8f0; color: #0f172a; border-color: #e2e8f0; }
+      /* Override common hardcoded light backgrounds in component inline styles */
+      body.dark-mode [style*="background:#f8fafc"], body.dark-mode [style*="background: #f8fafc"],
+      body.dark-mode [style*="background:#f1f5f9"], body.dark-mode [style*="background: #f1f5f9"]
+        { background: #263548 !important; }
+      body.dark-mode [style*="background:#eff6ff"], body.dark-mode [style*="background: #eff6ff"]
+        { background: #1e3a5f !important; }
+      body.dark-mode [style*="background:#fef2f2"], body.dark-mode [style*="background: #fef2f2"]
+        { background: #450a0a !important; }
+      body.dark-mode [style*="background:#f0fdf4"], body.dark-mode [style*="background: #f0fdf4"]
+        { background: #052e16 !important; }
+      body.dark-mode [style*="background:#fff5e6"], body.dark-mode [style*="background:#fffbeb"]
+        { background: #451a03 !important; }
+      /* Text color overrides for hardcoded darks */
+      body.dark-mode [style*="color:#0f172a"]  { color: #e2e8f0 !important; }
+      body.dark-mode [style*="color:#1e293b"]  { color: #94a3b8 !important; }
+      body.dark-mode [style*="color:#374151"]  { color: #94a3b8 !important; }
+      /* Border overrides */
+      body.dark-mode [style*="border-bottom:1px solid #e2e8f0"],
+      body.dark-mode [style*="border-bottom: 1px solid #e2e8f0"] { border-color: #334155 !important; }
+      body.dark-mode [style*="border:1px solid #e2e8f0"],
+      body.dark-mode [style*="border: 1px solid #e2e8f0"] { border-color: #334155 !important; }
+
       {% block extra_css %}{% endblock %}
     </style>
+    <script>
+      /* Apply dark mode class to body before first paint to avoid flash */
+      (function(){ if(localStorage.getItem('pfm_dark')==='1') document.documentElement.setAttribute('data-pfm-dark','1'); })();
+    </script>
+    <style>
+      /* Instant pre-body dark (avoids FOUC) — matches body.dark-mode vars */
+      html[data-pfm-dark] body { --body-bg:#0f172a; --card-bg:#1e293b; --text:#e2e8f0; --muted:#94a3b8; --border:#334155; }
+    </style>
   </head>
   <body>
     <div class="sb-overlay" id="sbOverlay"></div>
@@ -318,6 +398,11 @@
       <span class="tb-title">{% block page_title %}{% endblock %}</span>
       <div class="tb-right">
         {% block topbar_actions %}{% endblock %}
+        <button id="dark-toggle" type="button" title="Toggle dark mode"
+                style="background:none;border:none;color:var(--muted);font-size:15px;padding:3px 6px;border-radius:6px;cursor:pointer;line-height:1;"
+                class="d-inline-flex align-items-center">
+            <i class="bi bi-moon-stars"></i>
+        </button>
         <button type="button" data-bs-toggle="modal" data-bs-target="#kbd-modal"
                 title="Keyboard shortcuts (?)"
                 style="background:none;border:none;color:var(--muted);font-size:13px;padding:3px 6px;border-radius:6px;cursor:pointer;line-height:1;"
@@ -473,6 +558,29 @@
           }
         });
       })();
+
+      // ── Dark mode toggle ─────────────────────────────────────────────────
+      (function () {
+        var DKEY = 'pfm_dark';
+        var body = document.body;
+        var btn  = document.getElementById('dark-toggle');
+
+        function applyDark(on) {
+          body.classList.toggle('dark-mode', on);
+          document.documentElement.setAttribute('data-pfm-dark', on ? '1' : '0');
+          if (btn) btn.querySelector('i').className = on ? 'bi bi-sun' : 'bi bi-moon-stars';
+        }
+
+        // Initialise from storage
+        var saved = localStorage.getItem(DKEY) === '1';
+        applyDark(saved);
+
+        if (btn) btn.addEventListener('click', function () {
+          var next = !body.classList.contains('dark-mode');
+          localStorage.setItem(DKEY, next ? '1' : '0');
+          applyDark(next);
+        });
+      })();
     </script>
     {% block extra_js %}{% endblock %}
   </body>
diff --git a/app/templates/dashboard/index.html b/app/templates/dashboard/index.html
index 8c6933f..8f76125 100644
--- a/app/templates/dashboard/index.html
+++ b/app/templates/dashboard/index.html
@@ -138,6 +138,39 @@
     </div>
 </div>
 
+<!-- Financial Health Score -->
+<div id="health-score-card" class="pcard mb-4" style="display:none;">
+    <div class="d-flex justify-content-between align-items-center mb-3 flex-wrap gap-2">
+        <span class="pcard-title mb-0">Financial Health Score</span>
+        <span id="hs-grade-badge" class="badge fw-bold" style="font-size:13px;padding:4px 12px;"></span>
+    </div>
+    <div class="row g-3 align-items-center">
+        <!-- Score ring -->
+        <div class="col-12 col-sm-auto d-flex justify-content-center">
+            <div style="position:relative;width:96px;height:96px;">
+                <svg viewBox="0 0 36 36" style="width:96px;height:96px;transform:rotate(-90deg);">
+                    <circle cx="18" cy="18" r="15.9155" fill="none" stroke="var(--border)" stroke-width="3"/>
+                    <circle id="hs-ring" cx="18" cy="18" r="15.9155" fill="none" stroke="#10b981" stroke-width="3"
+                            stroke-dasharray="0 100" stroke-linecap="round"
+                            style="transition:stroke-dasharray .8s ease, stroke .4s;"/>
+                </svg>
+                <div style="position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;">
+                    <div id="hs-score" class="mono fw-bold" style="font-size:22px;line-height:1;">—</div>
+                    <div style="font-size:10px;color:var(--muted);">/ 100</div>
+                </div>
+            </div>
+        </div>
+        <!-- Component bars -->
+        <div class="col">
+            <div id="hs-components" class="d-flex flex-column gap-2"></div>
+        </div>
+    </div>
+    <!-- Tips -->
+    <div id="hs-tips" class="mt-3" style="display:none;">
+        <div class="d-flex flex-wrap gap-2" id="hs-tips-list"></div>
+    </div>
+</div>
+
 <!-- Charts Row -->
 <div class="row g-3 mb-4">
     <div class="col-12 col-xl-8">
@@ -555,6 +588,71 @@ function refreshFxRate() {
     });
 })();
 
+// ── Financial health score ───────────────────────────────────────────────────
+(function(){
+    var card  = document.getElementById('health-score-card');
+    var ring  = document.getElementById('hs-ring');
+    var scoreEl = document.getElementById('hs-score');
+    var gradeEl = document.getElementById('hs-grade-badge');
+    var compsEl = document.getElementById('hs-components');
+    var tipsWrap = document.getElementById('hs-tips');
+    var tipsList = document.getElementById('hs-tips-list');
+    if (!card) return;
+
+    const SYM = '{{ current_user.currency_symbol }}';
+
+    fetch('/api/health-score')
+        .then(r => r.json())
+        .then(data => {
+            if (data.error) return;
+            card.style.display = '';
+
+            // Score ring
+            var circ = 100;
+            ring.style.strokeDasharray = (data.score / 100 * circ) + ' ' + circ;
+            ring.style.stroke = data.color;
+            scoreEl.textContent = data.score;
+            scoreEl.style.color = data.color;
+
+            // Grade badge
+            gradeEl.textContent = 'Grade ' + data.grade;
+            gradeEl.style.background = data.color + '22';
+            gradeEl.style.color = data.color;
+
+            // Component bars
+            var icons = {
+                savings:        'bi-piggy-bank',
+                budgets:        'bi-pie-chart',
+                goals:          'bi-bullseye',
+                emergency_fund: 'bi-shield-check',
+            };
+            compsEl.innerHTML = data.components.map(c => `
+                <div>
+                    <div class="d-flex justify-content-between align-items-center mb-1" style="font-size:12px;">
+                        <span><i class="bi ${c.icon} me-1" style="color:var(--muted);"></i>${c.name}</span>
+                        <span class="mono" style="color:var(--muted);">${c.points}/${c.max}</span>
+                    </div>
+                    <div class="progress" style="height:5px;border-radius:3px;">
+                        <div class="progress-bar" role="progressbar"
+                             style="width:${c.pct}%;background:${c.pct>=80?'#10b981':c.pct>=50?'#3b82f6':c.pct>=25?'#f59e0b':'#ef4444'};transition:width .6s ease;">
+                        </div>
+                    </div>
+                    ${c.label ? `<div style="font-size:10px;color:var(--muted);margin-top:1px;">${c.label}</div>` : ''}
+                </div>`).join('');
+
+            // Tips
+            if (data.tips && data.tips.length) {
+                tipsWrap.style.display = '';
+                tipsList.innerHTML = data.tips.map(t =>
+                    `<span style="font-size:11px;background:#fef3c7;color:#92400e;border-radius:20px;padding:3px 10px;display:inline-block;">
+                        <i class="bi bi-lightbulb me-1"></i>${t}
+                    </span>`
+                ).join('');
+            }
+        })
+        .catch(() => {});
+})();
+
 // ── Spending anomalies ───────────────────────────────────────────────────────
 (function(){
     const card = document.getElementById('anomaly-card');
diff --git a/app/templates/settings/recurring.html b/app/templates/settings/recurring.html
index a047b71..00b48fb 100644
--- a/app/templates/settings/recurring.html
+++ b/app/templates/settings/recurring.html
@@ -94,4 +94,145 @@
         </div>
     </div>
 </div>
+
+<!-- Cash Flow Projection -->
+<div class="pcard mt-3">
+    <div class="d-flex justify-content-between align-items-center mb-3 flex-wrap gap-2">
+        <span class="pcard-title mb-0">Projected Cash Flow</span>
+        <div class="d-flex gap-1">
+            <button class="btn btn-sm proj-btn btn-primary" data-days="30" style="font-size:12px;">30d</button>
+            <button class="btn btn-sm proj-btn btn-outline-secondary" data-days="60" style="font-size:12px;">60d</button>
+            <button class="btn btn-sm proj-btn btn-outline-secondary" data-days="90" style="font-size:12px;">90d</button>
+        </div>
+    </div>
+
+    <!-- Summary stats -->
+    <div class="row g-2 mb-3" id="proj-stats">
+        <div class="col-6 col-md-3">
+            <div class="pcard pcard-sm text-center p-2" style="background:#f0fdf4;">
+                <div style="font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;">Income</div>
+                <div id="proj-income" class="mono text-income fw-bold" style="font-size:15px;">—</div>
+            </div>
+        </div>
+        <div class="col-6 col-md-3">
+            <div class="pcard pcard-sm text-center p-2" style="background:#fef2f2;">
+                <div style="font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;">Expenses</div>
+                <div id="proj-expense" class="mono text-expense fw-bold" style="font-size:15px;">—</div>
+            </div>
+        </div>
+        <div class="col-6 col-md-3">
+            <div class="pcard pcard-sm text-center p-2">
+                <div style="font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;">Net</div>
+                <div id="proj-net" class="mono fw-bold" style="font-size:15px;">—</div>
+            </div>
+        </div>
+        <div class="col-6 col-md-3">
+            <div class="pcard pcard-sm text-center p-2" style="background:#eff6ff;">
+                <div style="font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;">End Balance</div>
+                <div id="proj-end" class="mono text-invest fw-bold" style="font-size:15px;">—</div>
+            </div>
+        </div>
+    </div>
+
+    <!-- Chart -->
+    <div id="proj-chart-wrap" style="position:relative;height:200px;">
+        <canvas id="projChart"></canvas>
+    </div>
+    <div id="proj-loading" class="text-center py-4 text-muted" style="display:none;">
+        <span class="spinner-border spinner-border-sm me-2"></span>Loading…
+    </div>
+
+    <!-- Event list -->
+    <div id="proj-events" class="mt-3" style="max-height:260px;overflow-y:auto;"></div>
+</div>
+{% endblock %}
+
+{% block extra_js %}
+<script src="https://cdn.jsdelivr.net/npm/chart.js@4.4.3/dist/chart.umd.min.js"></script>
+<script>
+const SYM = '{{ current_user.currency_symbol }}';
+const fmtC = v => SYM + Math.abs(v).toLocaleString(undefined,{minimumFractionDigits:0,maximumFractionDigits:0});
+
+let projChart = null;
+
+function loadProjection(days) {
+    // update active button
+    document.querySelectorAll('.proj-btn').forEach(b => {
+        const active = b.dataset.days == days;
+        b.className = 'btn btn-sm proj-btn ' + (active ? 'btn-primary' : 'btn-outline-secondary');
+        b.style.fontSize = '12px';
+    });
+
+    document.getElementById('proj-loading').style.display = '';
+    document.getElementById('proj-chart-wrap').style.display = 'none';
+
+    fetch('/settings/recurring/projection?days=' + days)
+        .then(r => r.json())
+        .then(data => {
+            document.getElementById('proj-loading').style.display = 'none';
+            document.getElementById('proj-chart-wrap').style.display = '';
+
+            // Summary stats
+            document.getElementById('proj-income').textContent  = fmtC(data.total_income);
+            document.getElementById('proj-expense').textContent = fmtC(data.total_expense);
+            const net = data.net;
+            const netEl = document.getElementById('proj-net');
+            netEl.textContent  = (net >= 0 ? '+' : '-') + fmtC(Math.abs(net));
+            netEl.style.color  = net >= 0 ? '#10b981' : '#ef4444';
+            document.getElementById('proj-end').textContent = fmtC(data.ending_balance);
+
+            // Chart
+            if (projChart) projChart.destroy();
+            const ctx = document.getElementById('projChart').getContext('2d');
+            projChart = new Chart(ctx, {
+                data: {
+                    labels: data.labels,
+                    datasets: [
+                        { type:'bar',  label:'Income',  data:data.income,  backgroundColor:'#10b98133', borderColor:'#10b981', borderWidth:1.5, borderRadius:3, yAxisID:'y' },
+                        { type:'bar',  label:'Expense', data:data.expense, backgroundColor:'#ef444433', borderColor:'#ef4444', borderWidth:1.5, borderRadius:3, yAxisID:'y' },
+                        { type:'line', label:'Balance', data:data.balance, borderColor:'#3b82f6', backgroundColor:'transparent', borderWidth:2, pointRadius:3, tension:.3, yAxisID:'y2' },
+                    ]
+                },
+                options: {
+                    responsive:true, maintainAspectRatio:false,
+                    interaction:{ mode:'index', intersect:false },
+                    plugins:{ legend:{ position:'bottom', labels:{ font:{ size:11 }, boxWidth:10 } } },
+                    scales:{
+                        y:  { position:'left',  grid:{ color:'#f1f5f9' }, ticks:{ font:{size:10}, callback: v=>fmtC(v) } },
+                        y2: { position:'right', grid:{ display:false }, ticks:{ font:{size:10}, callback: v=>fmtC(v) } },
+                        x:  { grid:{ display:false }, ticks:{ font:{size:10} } },
+                    }
+                }
+            });
+
+            // Event list
+            const evList = document.getElementById('proj-events');
+            if (!data.events.length) {
+                evList.innerHTML = '<p class="text-muted small">No recurring transactions in this period.</p>';
+                return;
+            }
+            evList.innerHTML = data.events.map(ev => `
+                <div class="d-flex justify-content-between align-items-center py-2" style="border-top:1px solid var(--border);font-size:13px;">
+                    <div>
+                        <span class="fw-medium">${ev.description}</span>
+                        <span class="text-muted ms-2" style="font-size:11px;">${ev.date}</span>
+                    </div>
+                    <span class="mono ${ev.type === 'income' ? 'text-income' : 'text-expense'}" style="font-size:13px;white-space:nowrap;">
+                        ${ev.type === 'income' ? '+' : '-'}${SYM}${Math.abs(ev.amount).toLocaleString(undefined,{minimumFractionDigits:2,maximumFractionDigits:2})}
+                    </span>
+                </div>`).join('');
+        })
+        .catch(() => {
+            document.getElementById('proj-loading').style.display = 'none';
+            document.getElementById('proj-chart-wrap').style.display = '';
+        });
+}
+
+document.querySelectorAll('.proj-btn').forEach(btn => {
+    btn.addEventListener('click', () => loadProjection(parseInt(btn.dataset.days)));
+});
+
+// Load 30-day projection on page load
+loadProjection(30);
+</script>
 {% endblock %}