diff --git a/apps/bot/src/dm-assistant.test.ts b/apps/bot/src/dm-assistant.test.ts
index c4e1c7e..33ac94a 100644
--- a/apps/bot/src/dm-assistant.test.ts
+++ b/apps/bot/src/dm-assistant.test.ts
@@ -283,6 +283,7 @@ function createFinanceService(): FinanceCommandService {
     generateDashboard: async () => ({
       period: '2026-03',
       currency: 'GEL',
+      paymentBalanceAdjustmentPolicy: 'utilities',
       totalDue: Money.fromMajor('1000.00', 'GEL'),
       totalPaid: Money.fromMajor('500.00', 'GEL'),
       totalRemaining: Money.fromMajor('500.00', 'GEL'),
diff --git a/apps/bot/src/finance-commands.test.ts b/apps/bot/src/finance-commands.test.ts
index 87ac8fb..5191cd5 100644
--- a/apps/bot/src/finance-commands.test.ts
+++ b/apps/bot/src/finance-commands.test.ts
@@ -124,6 +124,7 @@ function createDashboard(): NonNullable<
   return {
     period: '2026-03',
     currency: 'GEL',
+    paymentBalanceAdjustmentPolicy: 'utilities',
     totalDue: Money.fromMajor('400', 'GEL'),
     totalPaid: Money.fromMajor('100', 'GEL'),
     totalRemaining: Money.fromMajor('300', 'GEL'),
diff --git a/apps/bot/src/miniapp-dashboard.test.ts b/apps/bot/src/miniapp-dashboard.test.ts
index 2e3cfb0..160c4c8 100644
--- a/apps/bot/src/miniapp-dashboard.test.ts
+++ b/apps/bot/src/miniapp-dashboard.test.ts
@@ -310,6 +310,7 @@ describe('createMiniAppDashboardHandler', () => {
       dashboard: {
         period: '2026-03',
         currency: 'GEL',
+        paymentBalanceAdjustmentPolicy: 'utilities',
         totalDueMajor: '2010.00',
         totalPaidMajor: '500.00',
         totalRemainingMajor: '1510.00',
diff --git a/apps/bot/src/miniapp-dashboard.ts b/apps/bot/src/miniapp-dashboard.ts
index 1bd2638..1c2de71 100644
--- a/apps/bot/src/miniapp-dashboard.ts
+++ b/apps/bot/src/miniapp-dashboard.ts
@@ -88,6 +88,7 @@ export function createMiniAppDashboardHandler(options: {
             dashboard: {
               period: dashboard.period,
               currency: dashboard.currency,
+              paymentBalanceAdjustmentPolicy: dashboard.paymentBalanceAdjustmentPolicy,
               totalDueMajor: dashboard.totalDue.toMajorString(),
               totalPaidMajor: dashboard.totalPaid.toMajorString(),
               totalRemainingMajor: dashboard.totalRemaining.toMajorString(),
diff --git a/apps/bot/src/payment-topic-ingestion.test.ts b/apps/bot/src/payment-topic-ingestion.test.ts
index b4d72ab..54455be 100644
--- a/apps/bot/src/payment-topic-ingestion.test.ts
+++ b/apps/bot/src/payment-topic-ingestion.test.ts
@@ -168,6 +168,7 @@ function createFinanceService(): FinanceCommandService {
     generateDashboard: async () => ({
       period: '2026-03',
       currency: 'GEL',
+      paymentBalanceAdjustmentPolicy: 'utilities',
       totalDue: Money.fromMajor('1000', 'GEL'),
       totalPaid: Money.zero('GEL'),
       totalRemaining: Money.fromMajor('1000', 'GEL'),
diff --git a/apps/miniapp/src/App.tsx b/apps/miniapp/src/App.tsx
index 171295e..29b8150 100644
--- a/apps/miniapp/src/App.tsx
+++ b/apps/miniapp/src/App.tsx
@@ -121,6 +121,8 @@ type PaymentDraft = {
   currency: 'USD' | 'GEL'
 }
 
+type TestingRolePreview = 'admin' | 'resident'
+
 const chartPalette = ['#f7b389', '#6fd3c0', '#f06a8d', '#94a8ff', '#f3d36f', '#7dc96d'] as const
 
 const demoSession: Extract<SessionState, { status: 'ready' }> = {
@@ -380,6 +382,9 @@ function App() {
   const [addingUtilityBillOpen, setAddingUtilityBillOpen] = createSignal(false)
   const [addingPaymentOpen, setAddingPaymentOpen] = createSignal(false)
   const [profileEditorOpen, setProfileEditorOpen] = createSignal(false)
+  const [testingSurfaceOpen, setTestingSurfaceOpen] = createSignal(false)
+  const [roleChipTapHistory, setRoleChipTapHistory] = createSignal<number[]>([])
+  const [testingRolePreview, setTestingRolePreview] = createSignal<TestingRolePreview | null>(null)
   const [addingPayment, setAddingPayment] = createSignal(false)
   const [billingForm, setBillingForm] = createSignal({
     settlementCurrency: 'GEL' as 'USD' | 'GEL',
@@ -421,6 +426,23 @@ function App() {
     const current = session()
     return current.status === 'ready' ? current : null
   })
+  const effectiveIsAdmin = createMemo(() => {
+    const current = readySession()
+    if (!current) {
+      return false
+    }
+
+    if (!current.member.isAdmin) {
+      return false
+    }
+
+    const preview = testingRolePreview()
+    if (!preview) {
+      return true
+    }
+
+    return preview === 'admin'
+  })
   const currentMemberLine = createMemo(() => {
     const current = readySession()
     const data = dashboard()
@@ -662,6 +684,24 @@ function App() {
     }
   }
 
+  function handleRoleChipTap() {
+    const currentReady = readySession()
+    if (!currentReady?.member.isAdmin) {
+      return
+    }
+
+    const now = Date.now()
+    const nextHistory = [...roleChipTapHistory().filter((timestamp) => now - timestamp < 1800), now]
+
+    if (nextHistory.length >= 5) {
+      setRoleChipTapHistory([])
+      setTestingSurfaceOpen(true)
+      return
+    }
+
+    setRoleChipTapHistory(nextHistory)
+  }
+
   function defaultAbsencePolicyForStatus(
     status: 'active' | 'away' | 'left'
   ): MiniAppMemberAbsencePolicy {
@@ -1948,7 +1988,7 @@ function App() {
           <LedgerScreen
             copy={copy()}
             dashboard={dashboard()}
-            readyIsAdmin={readySession()?.member.isAdmin === true}
+            readyIsAdmin={effectiveIsAdmin()}
             adminMembers={adminSettings()?.members ?? []}
             purchaseEntries={purchaseLedger()}
             utilityEntries={utilityLedger()}
@@ -2075,7 +2115,7 @@ function App() {
         return (
           <HouseScreen
             copy={copy()}
-            readyIsAdmin={readySession()?.member.isAdmin === true}
+            readyIsAdmin={effectiveIsAdmin()}
             householdDefaultLocale={readySession()?.member.householdDefaultLocale ?? 'en'}
             dashboard={dashboard()}
             adminSettings={adminSettings()}
@@ -2343,15 +2383,9 @@ function App() {
           <HomeScreen
             copy={copy()}
             dashboard={dashboard()}
-            readyIsAdmin={Boolean(readySession()?.member.isAdmin)}
-            pendingMembersCount={pendingMembers().length}
             currentMemberLine={currentMemberLine()}
             utilityTotalMajor={utilityTotalMajor()}
             purchaseTotalMajor={purchaseTotalMajor()}
-            memberBaseDueMajor={memberBaseDueMajor}
-            ledgerTitle={ledgerTitle}
-            ledgerPrimaryAmount={ledgerPrimaryAmount}
-            ledgerSecondaryAmount={ledgerSecondaryAmount}
           />
         )
     }
@@ -2439,14 +2473,31 @@ function App() {
               <MiniChip>
                 {readySession()?.mode === 'demo' ? copy().demoBadge : copy().liveBadge}
               </MiniChip>
-              <MiniChip muted>
-                {readySession()?.member.isAdmin ? copy().adminTag : copy().residentTag}
-              </MiniChip>
+              <Show
+                when={readySession()?.member.isAdmin}
+                fallback={
+                  <MiniChip muted>
+                    {effectiveIsAdmin() ? copy().adminTag : copy().residentTag}
+                  </MiniChip>
+                }
+              >
+                <button
+                  class="mini-chip mini-chip--muted mini-chip-button"
+                  onClick={handleRoleChipTap}
+                >
+                  {effectiveIsAdmin() ? copy().adminTag : copy().residentTag}
+                </button>
+              </Show>
               <MiniChip muted>
                 {readySession()?.member.status
                   ? memberStatusLabel(readySession()!.member.status)
                   : copy().memberStatusActive}
               </MiniChip>
+              <Show when={testingRolePreview()}>
+                {(preview) => (
+                  <MiniChip>{`${copy().testingViewBadge ?? ''}: ${preview() === 'admin' ? copy().adminTag : copy().residentTag}`}</MiniChip>
+                )}
+              </Show>
             </div>
             <Show when={readySession()?.mode === 'live'}>
               <Button
@@ -2473,6 +2524,50 @@ function App() {
           />
 
           <section class="content-stack">{panel()}</section>
+          <Modal
+            open={testingSurfaceOpen()}
+            title={copy().testingSurfaceTitle ?? ''}
+            description={copy().testingSurfaceBody}
+            closeLabel={copy().closeEditorAction}
+            onClose={() => setTestingSurfaceOpen(false)}
+            footer={
+              <div class="modal-action-row">
+                <Button variant="ghost" onClick={() => setTestingSurfaceOpen(false)}>
+                  {copy().closeEditorAction}
+                </Button>
+                <Button variant="secondary" onClick={() => setTestingRolePreview(null)}>
+                  {copy().testingUseRealRoleAction ?? ''}
+                </Button>
+              </div>
+            }
+          >
+            <div class="testing-card">
+              <article class="testing-card__section">
+                <span>{copy().testingCurrentRoleLabel ?? ''}</span>
+                <strong>
+                  {readySession()?.member.isAdmin ? copy().adminTag : copy().residentTag}
+                </strong>
+              </article>
+              <article class="testing-card__section">
+                <span>{copy().testingPreviewRoleLabel ?? ''}</span>
+                <strong>
+                  {testingRolePreview()
+                    ? testingRolePreview() === 'admin'
+                      ? copy().adminTag
+                      : copy().residentTag
+                    : copy().testingUseRealRoleAction}
+                </strong>
+              </article>
+              <div class="testing-card__actions">
+                <Button variant="secondary" onClick={() => setTestingRolePreview('admin')}>
+                  {copy().testingPreviewAdminAction ?? ''}
+                </Button>
+                <Button variant="secondary" onClick={() => setTestingRolePreview('resident')}>
+                  {copy().testingPreviewResidentAction ?? ''}
+                </Button>
+              </div>
+            </div>
+          </Modal>
           <Modal
             open={profileEditorOpen()}
             title={copy().displayNameLabel}
diff --git a/apps/miniapp/src/components/finance/member-balance-card.tsx b/apps/miniapp/src/components/finance/member-balance-card.tsx
new file mode 100644
index 0000000..636024f
--- /dev/null
+++ b/apps/miniapp/src/components/finance/member-balance-card.tsx
@@ -0,0 +1,182 @@
+import { For, Show } from 'solid-js'
+
+import { cn } from '../../lib/cn'
+import type { MiniAppDashboard } from '../../miniapp-api'
+import { MiniChip, StatCard } from '../ui'
+
+type Props = {
+  copy: Record<string, string | undefined>
+  dashboard: MiniAppDashboard
+  member: MiniAppDashboard['members'][number]
+  detail?: boolean
+}
+
+function majorStringToMinor(value: string): bigint {
+  const trimmed = value.trim()
+  const negative = trimmed.startsWith('-')
+  const normalized = negative ? trimmed.slice(1) : trimmed
+  const [whole = '0', fraction = ''] = normalized.split('.')
+  const major = BigInt(whole || '0')
+  const cents = BigInt((fraction.padEnd(2, '0').slice(0, 2) || '00').replace(/\D/g, '') || '0')
+  const minor = major * 100n + cents
+
+  return negative ? -minor : minor
+}
+
+function minorToMajorString(value: bigint): string {
+  const negative = value < 0n
+  const absolute = negative ? -value : value
+  const whole = absolute / 100n
+  const fraction = String(absolute % 100n).padStart(2, '0')
+
+  return `${negative ? '-' : ''}${whole.toString()}.${fraction}`
+}
+
+function sumMajorStrings(left: string, right: string): string {
+  return minorToMajorString(majorStringToMinor(left) + majorStringToMinor(right))
+}
+
+export function MemberBalanceCard(props: Props) {
+  const utilitiesAdjustedMajor = () =>
+    sumMajorStrings(props.member.utilityShareMajor, props.member.purchaseOffsetMajor)
+
+  const adjustmentClass = () => {
+    const value = majorStringToMinor(props.member.purchaseOffsetMajor)
+
+    if (value < 0n) {
+      return 'is-credit'
+    }
+
+    if (value > 0n) {
+      return 'is-due'
+    }
+
+    return 'is-settled'
+  }
+
+  return (
+    <article
+      class={cn(
+        'balance-item',
+        'balance-item--accent',
+        'balance-spotlight',
+        props.detail && 'balance-spotlight--detail'
+      )}
+    >
+      <header class="balance-spotlight__header">
+        <div class="balance-spotlight__copy">
+          <strong>{props.copy.yourBalanceTitle ?? ''}</strong>
+          <p>{props.copy.yourBalanceBody ?? ''}</p>
+        </div>
+        <div class="balance-spotlight__hero">
+          <span>{props.copy.remainingLabel ?? ''}</span>
+          <strong>
+            {props.member.remainingMajor} {props.dashboard.currency}
+          </strong>
+          <small>
+            {props.copy.totalDue ?? ''}: {props.member.netDueMajor} {props.dashboard.currency}
+          </small>
+        </div>
+      </header>
+
+      <div class="balance-spotlight__stats">
+        <StatCard class="balance-spotlight__stat">
+          <span>{props.copy.totalDue ?? ''}</span>
+          <strong>
+            {props.member.netDueMajor} {props.dashboard.currency}
+          </strong>
+        </StatCard>
+        <StatCard class="balance-spotlight__stat">
+          <span>{props.copy.paidLabel ?? ''}</span>
+          <strong>
+            {props.member.paidMajor} {props.dashboard.currency}
+          </strong>
+        </StatCard>
+        <StatCard class="balance-spotlight__stat">
+          <span>{props.copy.remainingLabel ?? ''}</span>
+          <strong>
+            {props.member.remainingMajor} {props.dashboard.currency}
+          </strong>
+        </StatCard>
+      </div>
+
+      <div class="balance-spotlight__rows">
+        <article class="balance-detail-row">
+          <div class="balance-detail-row__main">
+            <span>{props.copy.shareRent ?? ''}</span>
+            <strong>
+              {props.member.rentShareMajor} {props.dashboard.currency}
+            </strong>
+          </div>
+        </article>
+
+        <article class="balance-detail-row">
+          <div class="balance-detail-row__main">
+            <span>{props.copy.pureUtilitiesLabel ?? props.copy.shareUtilities ?? ''}</span>
+            <strong>
+              {props.member.utilityShareMajor} {props.dashboard.currency}
+            </strong>
+          </div>
+        </article>
+
+        <article class="balance-detail-row">
+          <div class="balance-detail-row__main">
+            <span>{props.copy.balanceAdjustmentLabel ?? props.copy.shareOffset ?? ''}</span>
+            <strong class={`balance-status ${adjustmentClass()}`}>
+              {props.member.purchaseOffsetMajor} {props.dashboard.currency}
+            </strong>
+          </div>
+        </article>
+
+        <Show when={props.dashboard.paymentBalanceAdjustmentPolicy === 'utilities'}>
+          <article class="balance-detail-row balance-detail-row--accent">
+            <div class="balance-detail-row__main">
+              <span>{props.copy.utilitiesAdjustedTotalLabel ?? ''}</span>
+              <strong>
+                {utilitiesAdjustedMajor()} {props.dashboard.currency}
+              </strong>
+            </div>
+          </article>
+        </Show>
+      </div>
+
+      <Show when={props.dashboard.rentSourceCurrency !== props.dashboard.currency}>
+        <section class="fx-panel">
+          <header class="fx-panel__header">
+            <strong>{props.copy.rentFxTitle ?? ''}</strong>
+            <Show when={props.dashboard.rentFxEffectiveDate}>
+              {(date) => (
+                <MiniChip muted>
+                  {props.copy.fxEffectiveDateLabel ?? ''}: {date()}
+                </MiniChip>
+              )}
+            </Show>
+          </header>
+
+          <div class="fx-panel__grid">
+            <article class="fx-panel__cell">
+              <span>{props.copy.sourceAmountLabel ?? ''}</span>
+              <strong>
+                {props.dashboard.rentSourceAmountMajor} {props.dashboard.rentSourceCurrency}
+              </strong>
+            </article>
+            <article class="fx-panel__cell">
+              <span>{props.copy.settlementAmountLabel ?? ''}</span>
+              <strong>
+                {props.dashboard.rentDisplayAmountMajor} {props.dashboard.currency}
+              </strong>
+            </article>
+          </div>
+        </section>
+      </Show>
+
+      <Show when={props.detail && props.member.explanations.length > 0}>
+        <div class="balance-spotlight__meta">
+          <For each={props.member.explanations}>
+            {(explanation) => <MiniChip muted>{explanation}</MiniChip>}
+          </For>
+        </div>
+      </Show>
+    </article>
+  )
+}
diff --git a/apps/miniapp/src/demo/miniapp-demo.ts b/apps/miniapp/src/demo/miniapp-demo.ts
index cfb3abb..826f41f 100644
--- a/apps/miniapp/src/demo/miniapp-demo.ts
+++ b/apps/miniapp/src/demo/miniapp-demo.ts
@@ -25,6 +25,7 @@ export const demoTelegramUser: NonNullable<MiniAppSession['telegramUser']> = {
 export const demoDashboard: MiniAppDashboard = {
   period: '2026-03',
   currency: 'GEL',
+  paymentBalanceAdjustmentPolicy: 'utilities',
   totalDueMajor: '2410.00',
   totalPaidMajor: '650.00',
   totalRemainingMajor: '1760.00',
diff --git a/apps/miniapp/src/i18n.ts b/apps/miniapp/src/i18n.ts
index b8153a2..7940127 100644
--- a/apps/miniapp/src/i18n.ts
+++ b/apps/miniapp/src/i18n.ts
@@ -52,9 +52,16 @@ export const dictionary = {
     ledgerEntries: 'Ledger entries',
     pendingRequests: 'Pending requests',
     yourBalanceTitle: 'Your balance',
-    yourBalanceBody: 'See your current cycle balance before and after shared household purchases.',
+    yourBalanceBody:
+      'See rent, pure utilities, purchase balance adjustment, and what is still left to pay.',
+    cycleBillLabel: 'Cycle bill',
+    balanceAdjustmentLabel: 'Balance adjustment',
+    pureUtilitiesLabel: 'Pure utilities',
+    utilitiesAdjustedTotalLabel: 'Utilities after adjustment',
     baseDue: 'Base due',
     finalDue: 'Final due',
+    houseSnapshotTitle: 'House snapshot',
+    houseSnapshotBody: 'House totals stay secondary here so your own bill reads first.',
     householdBalancesTitle: 'Household balances',
     householdBalancesBody: 'Everyone’s current split for this cycle.',
     financeVisualsTitle: 'Visual balance split',
@@ -80,10 +87,23 @@ export const dictionary = {
     shareRent: 'Rent',
     shareUtilities: 'Utilities',
     shareOffset: 'Shared buys',
+    rentFxTitle: 'House rent FX',
+    sourceAmountLabel: 'Source',
+    settlementAmountLabel: 'Settlement',
+    fxEffectiveDateLabel: 'Locked',
     ledgerTitle: 'Included ledger',
     emptyDashboard: 'No billing cycle is ready yet.',
     latestActivityTitle: 'Latest activity',
     latestActivityEmpty: 'Recent utility and purchase entries will appear here.',
+    testingViewBadge: 'Testing view',
+    testingSurfaceTitle: 'Hidden QA view',
+    testingSurfaceBody:
+      'Preview admin or resident presentation without changing real permissions or saved roles.',
+    testingUseRealRoleAction: 'Use real role',
+    testingPreviewAdminAction: 'Preview admin',
+    testingPreviewResidentAction: 'Preview resident',
+    testingCurrentRoleLabel: 'Real access',
+    testingPreviewRoleLabel: 'Previewing',
     purchaseReviewTitle: 'Purchases',
     purchaseReviewBody: 'Edit or remove purchases if the bot recorded the wrong item.',
     purchaseSplitTitle: 'Split',
@@ -273,9 +293,16 @@ export const dictionary = {
     ledgerEntries: 'Записи леджера',
     pendingRequests: 'Ожидают подтверждения',
     yourBalanceTitle: 'Твой баланс',
-    yourBalanceBody: 'Посмотри свой баланс за текущий цикл до и после поправки на общие покупки.',
+    yourBalanceBody:
+      'Здесь отдельно видно аренду, чистую коммуналку, поправку по покупкам и то, что осталось оплатить.',
+    cycleBillLabel: 'Счёт за цикл',
+    balanceAdjustmentLabel: 'Поправка по балансу',
+    pureUtilitiesLabel: 'Чистая коммуналка',
+    utilitiesAdjustedTotalLabel: 'Коммуналка после зачёта',
     baseDue: 'База к оплате',
     finalDue: 'Итог к оплате',
+    houseSnapshotTitle: 'Сводка по дому',
+    houseSnapshotBody: 'Общая сводка дома остаётся второстепенной, чтобы твой счёт читался сразу.',
     householdBalancesTitle: 'Баланс household',
     householdBalancesBody: 'Текущий расклад по всем участникам за этот цикл.',
     financeVisualsTitle: 'Визуальный разбор баланса',
@@ -301,10 +328,23 @@ export const dictionary = {
     shareRent: 'Аренда',
     shareUtilities: 'Коммуналка',
     shareOffset: 'Общие покупки',
+    rentFxTitle: 'FX по аренде дома',
+    sourceAmountLabel: 'Исходник',
+    settlementAmountLabel: 'Расчёт',
+    fxEffectiveDateLabel: 'Зафиксировано',
     ledgerTitle: 'Вошедшие операции',
     emptyDashboard: 'Пока нет готового billing cycle.',
     latestActivityTitle: 'Последняя активность',
     latestActivityEmpty: 'Здесь появятся последние коммунальные платежи и покупки.',
+    testingViewBadge: 'Тестовый вид',
+    testingSurfaceTitle: 'Скрытый QA режим',
+    testingSurfaceBody:
+      'Позволяет посмотреть админский или обычный вид без изменения реальных прав и сохранённых ролей.',
+    testingUseRealRoleAction: 'Настоящая роль',
+    testingPreviewAdminAction: 'Вид админа',
+    testingPreviewResidentAction: 'Вид жителя',
+    testingCurrentRoleLabel: 'Реальный доступ',
+    testingPreviewRoleLabel: 'Сейчас показан',
     purchaseReviewTitle: 'Покупки',
     purchaseReviewBody:
       'Здесь можно исправить или удалить покупку, если бот распознал её неправильно.',
diff --git a/apps/miniapp/src/index.css b/apps/miniapp/src/index.css
index 39978cb..caad749 100644
--- a/apps/miniapp/src/index.css
+++ b/apps/miniapp/src/index.css
@@ -382,6 +382,10 @@ button {
   border-color: rgb(247 179 137 / 0.28);
 }
 
+.balance-item--muted {
+  background: rgb(255 255 255 / 0.02);
+}
+
 .profile-card {
   gap: 10px;
 }
@@ -438,6 +442,114 @@ button {
   gap: 10px;
 }
 
+.balance-spotlight {
+  gap: 14px;
+}
+
+.balance-spotlight__header {
+  display: grid;
+  gap: 14px;
+}
+
+.balance-spotlight__copy {
+  display: grid;
+  gap: 8px;
+}
+
+.balance-spotlight__hero {
+  display: grid;
+  gap: 6px;
+  padding: 14px;
+  border: 1px solid rgb(255 255 255 / 0.08);
+  border-radius: 18px;
+  background: rgb(10 18 28 / 0.38);
+}
+
+.balance-spotlight__hero span,
+.balance-detail-row__main span,
+.fx-panel__cell span,
+.testing-card__section span {
+  color: #c6c2bb;
+  font-size: 0.78rem;
+  text-transform: uppercase;
+  letter-spacing: 0.08em;
+}
+
+.balance-spotlight__hero strong,
+.balance-detail-row__main strong,
+.fx-panel__cell strong,
+.testing-card__section strong {
+  font-family: 'Space Grotesk', 'IBM Plex Sans', sans-serif;
+}
+
+.balance-spotlight__hero strong {
+  font-size: clamp(1.6rem, 5vw, 2.3rem);
+  line-height: 1;
+}
+
+.balance-spotlight__hero small {
+  color: #d6d3cc;
+}
+
+.balance-spotlight__stats,
+.balance-spotlight__rows,
+.balance-spotlight__meta,
+.testing-card,
+.testing-card__actions {
+  display: grid;
+  gap: 10px;
+}
+
+.balance-spotlight__stat {
+  min-height: 100%;
+}
+
+.balance-detail-row,
+.fx-panel,
+.testing-card__section {
+  display: grid;
+  gap: 10px;
+  border: 1px solid rgb(255 255 255 / 0.08);
+  border-radius: 18px;
+  padding: 14px;
+  background: rgb(255 255 255 / 0.03);
+}
+
+.balance-detail-row--accent {
+  border-color: rgb(111 211 192 / 0.34);
+  background: rgb(111 211 192 / 0.08);
+}
+
+.balance-detail-row__main {
+  display: grid;
+  gap: 6px;
+}
+
+.fx-panel {
+  background: linear-gradient(180deg, rgb(148 168 255 / 0.08), rgb(255 255 255 / 0.02));
+}
+
+.fx-panel__header {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  justify-content: space-between;
+  gap: 10px;
+}
+
+.fx-panel__grid {
+  display: grid;
+  gap: 10px;
+}
+
+.fx-panel__cell {
+  display: grid;
+  gap: 6px;
+  padding: 12px;
+  border-radius: 16px;
+  background: rgb(12 20 31 / 0.45);
+}
+
 .member-visual-list {
   display: grid;
   gap: 12px;
@@ -771,6 +883,18 @@ button {
   color: #dad5ce;
 }
 
+.mini-chip-button {
+  cursor: pointer;
+}
+
+.testing-card {
+  gap: 12px;
+}
+
+.testing-card__actions {
+  grid-template-columns: minmax(0, 1fr);
+}
+
 .modal-backdrop {
   position: fixed;
   inset: 0;
@@ -981,6 +1105,21 @@ button {
     grid-template-columns: repeat(3, minmax(0, 1fr));
   }
 
+  .balance-spotlight__header,
+  .balance-spotlight__stats,
+  .fx-panel__grid,
+  .testing-card__actions {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  .balance-spotlight__header {
+    align-items: start;
+  }
+
+  .balance-spotlight__stats {
+    grid-template-columns: repeat(3, minmax(0, 1fr));
+  }
+
   .purchase-chart {
     grid-template-columns: minmax(220px, 260px) minmax(0, 1fr);
     align-items: center;
diff --git a/apps/miniapp/src/miniapp-api.ts b/apps/miniapp/src/miniapp-api.ts
index 8b85218..70a40ca 100644
--- a/apps/miniapp/src/miniapp-api.ts
+++ b/apps/miniapp/src/miniapp-api.ts
@@ -88,6 +88,7 @@ export interface MiniAppTopicBinding {
 export interface MiniAppDashboard {
   period: string
   currency: 'USD' | 'GEL'
+  paymentBalanceAdjustmentPolicy: 'utilities' | 'rent' | 'separate'
   totalDueMajor: string
   totalPaidMajor: string
   totalRemainingMajor: string
diff --git a/apps/miniapp/src/screens/balances-screen.tsx b/apps/miniapp/src/screens/balances-screen.tsx
index 6e1935b..c78d93a 100644
--- a/apps/miniapp/src/screens/balances-screen.tsx
+++ b/apps/miniapp/src/screens/balances-screen.tsx
@@ -2,6 +2,7 @@ import { For, Show } from 'solid-js'
 
 import { FinanceSummaryCards } from '../components/finance/finance-summary-cards'
 import { FinanceVisuals } from '../components/finance/finance-visuals'
+import { MemberBalanceCard } from '../components/finance/member-balance-card'
 import type { MiniAppDashboard } from '../miniapp-api'
 
 type Props = {
@@ -52,62 +53,34 @@ export function BalancesScreen(props: Props) {
         <div class="balance-list">
           <Show when={props.currentMemberLine}>
             {(member) => (
-              <article class="balance-item balance-item--accent">
-                <header>
-                  <strong>{props.copy.yourBalanceTitle ?? ''}</strong>
-                  <span>
-                    {member().netDueMajor} {dashboard().currency}
-                  </span>
-                </header>
-                <p>{props.copy.yourBalanceBody ?? ''}</p>
-                <div class="balance-breakdown">
-                  <article class="stat-card">
-                    <span>{props.copy.baseDue ?? ''}</span>
-                    <strong>
-                      {props.memberBaseDueMajor(member())} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.shareOffset ?? ''}</span>
-                    <strong>
-                      {member().purchaseOffsetMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.finalDue ?? ''}</span>
-                    <strong>
-                      {member().netDueMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.paidLabel ?? ''}</span>
-                    <strong>
-                      {member().paidMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.remainingLabel ?? ''}</span>
-                    <strong>
-                      {member().remainingMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                </div>
-              </article>
+              <MemberBalanceCard
+                copy={props.copy}
+                dashboard={dashboard()}
+                member={member()}
+                detail
+              />
             )}
           </Show>
-          <div class="summary-card-grid">
-            <FinanceSummaryCards
-              dashboard={dashboard()}
-              utilityTotalMajor={props.utilityTotalMajor}
-              purchaseTotalMajor={props.purchaseTotalMajor}
-              labels={{
-                remaining: props.copy.remainingLabel ?? '',
-                rent: props.copy.shareRent ?? '',
-                utilities: props.copy.shareUtilities ?? '',
-                purchases: props.copy.purchasesTitle ?? ''
-              }}
-            />
-          </div>
+          <article class="balance-item balance-item--wide balance-item--muted">
+            <header>
+              <strong>{props.copy.houseSnapshotTitle ?? ''}</strong>
+              <span>{dashboard().period}</span>
+            </header>
+            <p>{props.copy.houseSnapshotBody ?? ''}</p>
+            <div class="summary-card-grid summary-card-grid--secondary">
+              <FinanceSummaryCards
+                dashboard={dashboard()}
+                utilityTotalMajor={props.utilityTotalMajor}
+                purchaseTotalMajor={props.purchaseTotalMajor}
+                labels={{
+                  remaining: props.copy.remainingLabel ?? '',
+                  rent: props.copy.shareRent ?? '',
+                  utilities: props.copy.shareUtilities ?? '',
+                  purchases: props.copy.purchasesTitle ?? ''
+                }}
+              />
+            </div>
+          </article>
           <FinanceVisuals
             dashboard={dashboard()}
             memberVisuals={props.memberBalanceVisuals}
@@ -124,9 +97,10 @@ export function BalancesScreen(props: Props) {
               purchaseShareLabel: props.copy.purchaseShareLabel ?? ''
             }}
           />
-          <article class="balance-item">
+          <article class="balance-item balance-item--wide">
             <header>
               <strong>{props.copy.householdBalancesTitle ?? ''}</strong>
+              <span>{String(dashboard().members.length)}</span>
             </header>
             <p>{props.copy.householdBalancesBody ?? ''}</p>
           </article>
diff --git a/apps/miniapp/src/screens/home-screen.tsx b/apps/miniapp/src/screens/home-screen.tsx
index 3752973..0406d90 100644
--- a/apps/miniapp/src/screens/home-screen.tsx
+++ b/apps/miniapp/src/screens/home-screen.tsx
@@ -1,20 +1,15 @@
-import { For, Show } from 'solid-js'
+import { Show } from 'solid-js'
 
 import { FinanceSummaryCards } from '../components/finance/finance-summary-cards'
+import { MemberBalanceCard } from '../components/finance/member-balance-card'
 import type { MiniAppDashboard } from '../miniapp-api'
 
 type Props = {
   copy: Record<string, string | undefined>
   dashboard: MiniAppDashboard | null
-  readyIsAdmin: boolean
-  pendingMembersCount: number
   currentMemberLine: MiniAppDashboard['members'][number] | null
   utilityTotalMajor: string
   purchaseTotalMajor: string
-  memberBaseDueMajor: (member: MiniAppDashboard['members'][number]) => string
-  ledgerTitle: (entry: MiniAppDashboard['ledger'][number]) => string
-  ledgerPrimaryAmount: (entry: MiniAppDashboard['ledger'][number]) => string
-  ledgerSecondaryAmount: (entry: MiniAppDashboard['ledger'][number]) => string | null
 }
 
 export function HomeScreen(props: Props) {
@@ -23,125 +18,48 @@ export function HomeScreen(props: Props) {
       when={props.dashboard}
       fallback={
         <div class="home-grid">
-          <div class="summary-card-grid">
-            <article class="stat-card">
-              <span>{props.copy.remainingLabel ?? ''}</span>
-              <strong>—</strong>
-            </article>
-            <article class="stat-card">
-              <span>{props.copy.shareRent ?? ''}</span>
-              <strong>—</strong>
-            </article>
-            <article class="stat-card">
-              <span>{props.copy.shareUtilities ?? ''}</span>
-              <strong>—</strong>
-            </article>
-            <article class="stat-card">
-              <span>{props.copy.purchasesTitle ?? ''}</span>
-              <strong>—</strong>
-            </article>
-          </div>
+          <article class="balance-item balance-item--accent balance-spotlight">
+            <header class="balance-spotlight__header">
+              <div class="balance-spotlight__copy">
+                <strong>{props.copy.yourBalanceTitle ?? ''}</strong>
+                <p>{props.copy.yourBalanceBody ?? ''}</p>
+              </div>
+              <div class="balance-spotlight__hero">
+                <span>{props.copy.remainingLabel ?? ''}</span>
+                <strong>—</strong>
+              </div>
+            </header>
+          </article>
         </div>
       }
     >
       {(dashboard) => (
         <div class="home-grid">
-          <div class="summary-card-grid">
-            <FinanceSummaryCards
-              dashboard={dashboard()}
-              utilityTotalMajor={props.utilityTotalMajor}
-              purchaseTotalMajor={props.purchaseTotalMajor}
-              labels={{
-                remaining: props.copy.remainingLabel ?? '',
-                rent: props.copy.shareRent ?? '',
-                utilities: props.copy.shareUtilities ?? '',
-                purchases: props.copy.purchasesTitle ?? ''
-              }}
-            />
-            <Show when={props.readyIsAdmin}>
-              <article class="stat-card">
-                <span>{props.copy.pendingRequests ?? ''}</span>
-                <strong>{String(props.pendingMembersCount)}</strong>
-              </article>
-            </Show>
-          </div>
-
           <Show when={props.currentMemberLine}>
             {(member) => (
-              <article class="balance-item balance-item--accent">
-                <header>
-                  <strong>{props.copy.yourBalanceTitle ?? ''}</strong>
-                  <span>
-                    {member().remainingMajor} {dashboard().currency}
-                  </span>
-                </header>
-                <p>
-                  {props.copy.shareRent ?? ''}: {dashboard().rentSourceAmountMajor}{' '}
-                  {dashboard().rentSourceCurrency}
-                  {dashboard().rentSourceCurrency !== dashboard().currency
-                    ? ` -> ${dashboard().rentDisplayAmountMajor} ${dashboard().currency}`
-                    : ''}
-                </p>
-                <div class="balance-breakdown">
-                  <article class="stat-card">
-                    <span>{props.copy.baseDue ?? ''}</span>
-                    <strong>
-                      {props.memberBaseDueMajor(member())} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.shareOffset ?? ''}</span>
-                    <strong>
-                      {member().purchaseOffsetMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.finalDue ?? ''}</span>
-                    <strong>
-                      {member().netDueMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.paidLabel ?? ''}</span>
-                    <strong>
-                      {member().paidMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                  <article class="stat-card">
-                    <span>{props.copy.remainingLabel ?? ''}</span>
-                    <strong>
-                      {member().remainingMajor} {dashboard().currency}
-                    </strong>
-                  </article>
-                </div>
-              </article>
+              <MemberBalanceCard copy={props.copy} dashboard={dashboard()} member={member()} />
             )}
           </Show>
 
-          <article class="balance-item balance-item--wide">
+          <article class="balance-item balance-item--wide balance-item--muted">
             <header>
-              <strong>{props.copy.latestActivityTitle ?? ''}</strong>
+              <strong>{props.copy.houseSnapshotTitle ?? ''}</strong>
+              <span>{dashboard().period}</span>
             </header>
-            {dashboard().ledger.length === 0 ? (
-              <p>{props.copy.latestActivityEmpty ?? ''}</p>
-            ) : (
-              <div class="activity-list">
-                <For each={dashboard().ledger.slice(0, 3)}>
-                  {(entry) => (
-                    <article class="activity-row">
-                      <header>
-                        <strong>{props.ledgerTitle(entry)}</strong>
-                        <span>{props.ledgerPrimaryAmount(entry)}</span>
-                      </header>
-                      <Show when={props.ledgerSecondaryAmount(entry)}>
-                        {(secondary) => <p>{secondary()}</p>}
-                      </Show>
-                      <p>{entry.actorDisplayName ?? props.copy.ledgerActorFallback ?? ''}</p>
-                    </article>
-                  )}
-                </For>
-              </div>
-            )}
+            <p>{props.copy.houseSnapshotBody ?? ''}</p>
+            <div class="summary-card-grid summary-card-grid--secondary">
+              <FinanceSummaryCards
+                dashboard={dashboard()}
+                utilityTotalMajor={props.utilityTotalMajor}
+                purchaseTotalMajor={props.purchaseTotalMajor}
+                labels={{
+                  remaining: props.copy.remainingLabel ?? '',
+                  rent: props.copy.shareRent ?? '',
+                  utilities: props.copy.shareUtilities ?? '',
+                  purchases: props.copy.purchasesTitle ?? ''
+                }}
+              />
+            </div>
           </article>
         </div>
       )}
diff --git a/apps/miniapp/src/screens/house-screen.tsx b/apps/miniapp/src/screens/house-screen.tsx
index ba83fc3..3c388e5 100644
--- a/apps/miniapp/src/screens/house-screen.tsx
+++ b/apps/miniapp/src/screens/house-screen.tsx
@@ -165,367 +165,418 @@ type Props = {
 }
 
 export function HouseScreen(props: Props) {
-  if (!props.readyIsAdmin) {
-    return (
-      <div class="balance-list">
-        <article class="balance-item">
-          <header>
-            <strong>{props.copy.residentHouseTitle ?? ''}</strong>
-          </header>
-          <p>{props.copy.residentHouseBody ?? ''}</p>
-        </article>
-      </div>
-    )
-  }
-
   return (
-    <div class="admin-layout">
-      <NavigationTabs
-        items={
-          [
-            { key: 'billing', label: props.copy.houseSectionBilling ?? '' },
-            { key: 'utilities', label: props.copy.houseSectionUtilities ?? '' },
-            { key: 'members', label: props.copy.houseSectionMembers ?? '' },
-            { key: 'topics', label: props.copy.houseSectionTopics ?? '' }
-          ] as const
-        }
-        active={props.activeHouseSection}
-        onChange={props.onChangeHouseSection}
-      />
+    <Show
+      when={props.readyIsAdmin}
+      fallback={
+        <div class="balance-list">
+          <article class="balance-item">
+            <header>
+              <strong>{props.copy.residentHouseTitle ?? ''}</strong>
+            </header>
+            <p>{props.copy.residentHouseBody ?? ''}</p>
+          </article>
+        </div>
+      }
+    >
+      <div class="admin-layout">
+        <NavigationTabs
+          items={
+            [
+              { key: 'billing', label: props.copy.houseSectionBilling ?? '' },
+              { key: 'utilities', label: props.copy.houseSectionUtilities ?? '' },
+              { key: 'members', label: props.copy.houseSectionMembers ?? '' },
+              { key: 'topics', label: props.copy.houseSectionTopics ?? '' }
+            ] as const
+          }
+          active={props.activeHouseSection}
+          onChange={props.onChangeHouseSection}
+        />
 
-      <Show when={props.activeHouseSection === 'billing'}>
-        <section class="admin-section">
-          <div class="admin-grid">
-            <article class="balance-item">
-              <header>
-                <strong>{props.copy.billingCycleTitle ?? ''}</strong>
-                <span>{props.cycleState?.cycle?.period ?? props.copy.billingCycleEmpty ?? ''}</span>
-              </header>
-              <p>
-                {props.cycleState?.cycle
-                  ? (props.copy.billingCycleStatus ?? '').replace(
-                      '{currency}',
-                      props.cycleState?.cycle?.currency ?? props.billingForm.settlementCurrency
-                    )
-                  : props.copy.billingCycleOpenHint}
-              </p>
-              <Show when={props.dashboard}>
-                {(data) => (
-                  <p>
-                    {props.copy.shareRent ?? ''}: {data().rentSourceAmountMajor}{' '}
-                    {data().rentSourceCurrency}
-                    {data().rentSourceCurrency !== data().currency
-                      ? ` -> ${data().rentDisplayAmountMajor} ${data().currency}`
-                      : ''}
-                  </p>
-                )}
-              </Show>
-              <div class="panel-toolbar">
-                <Button variant="secondary" onClick={props.onOpenCycleModal}>
-                  <CalendarIcon />
+        <Show when={props.activeHouseSection === 'billing'}>
+          <section class="admin-section">
+            <div class="admin-grid">
+              <article class="balance-item">
+                <header>
+                  <strong>{props.copy.billingCycleTitle ?? ''}</strong>
+                  <span>
+                    {props.cycleState?.cycle?.period ?? props.copy.billingCycleEmpty ?? ''}
+                  </span>
+                </header>
+                <p>
                   {props.cycleState?.cycle
-                    ? (props.copy.manageCycleAction ?? '')
-                    : (props.copy.openCycleAction ?? '')}
-                </Button>
-                <Show when={props.cycleState?.cycle}>
-                  <Button
-                    variant="ghost"
-                    disabled={props.closingCycle}
-                    onClick={() => void props.onCloseCycle()}
-                  >
-                    {props.closingCycle ? props.copy.closingCycle : props.copy.closeCycleAction}
-                  </Button>
+                    ? (props.copy.billingCycleStatus ?? '').replace(
+                        '{currency}',
+                        props.cycleState?.cycle?.currency ?? props.billingForm.settlementCurrency
+                      )
+                    : props.copy.billingCycleOpenHint}
+                </p>
+                <Show when={props.dashboard}>
+                  {(data) => (
+                    <p>
+                      {props.copy.shareRent ?? ''}: {data().rentSourceAmountMajor}{' '}
+                      {data().rentSourceCurrency}
+                      {data().rentSourceCurrency !== data().currency
+                        ? ` -> ${data().rentDisplayAmountMajor} ${data().currency}`
+                        : ''}
+                    </p>
+                  )}
                 </Show>
-              </div>
-            </article>
-
-            <article class="balance-item">
-              <header>
-                <strong>{props.copy.billingSettingsTitle ?? ''}</strong>
-                <span>{props.billingForm.settlementCurrency}</span>
-              </header>
-              <p>
-                {props.billingForm.paymentBalanceAdjustmentPolicy === 'utilities'
-                  ? props.copy.paymentBalanceAdjustmentUtilities
-                  : props.billingForm.paymentBalanceAdjustmentPolicy === 'rent'
-                    ? props.copy.paymentBalanceAdjustmentRent
-                    : props.copy.paymentBalanceAdjustmentSeparate}
-              </p>
-              <div class="ledger-compact-card__meta">
-                <span class="mini-chip">
-                  {props.copy.rentAmount ?? ''}: {props.billingForm.rentAmountMajor || '—'}{' '}
-                  {props.billingForm.rentCurrency}
-                </span>
-                <span class="mini-chip mini-chip--muted">
-                  {props.copy.timezone ?? ''}: {props.billingForm.timezone}
-                </span>
-              </div>
-              <div class="panel-toolbar">
-                <Button variant="secondary" onClick={props.onOpenBillingSettingsModal}>
-                  <SettingsIcon />
-                  {props.copy.manageSettingsAction ?? ''}
-                </Button>
-              </div>
-            </article>
-
-            <article class="balance-item">
-              <header>
-                <strong>{props.copy.householdLanguage ?? ''}</strong>
-                <span>{props.householdDefaultLocale.toUpperCase()}</span>
-              </header>
-              <div class="locale-switch__buttons locale-switch__buttons--inline">
-                <button
-                  classList={{ 'is-active': props.householdDefaultLocale === 'en' }}
-                  type="button"
-                  disabled={props.savingHouseholdLocale}
-                  onClick={() => void props.onChangeHouseholdLocale('en')}
-                >
-                  EN
-                </button>
-                <button
-                  classList={{ 'is-active': props.householdDefaultLocale === 'ru' }}
-                  type="button"
-                  disabled={props.savingHouseholdLocale}
-                  onClick={() => void props.onChangeHouseholdLocale('ru')}
-                >
-                  RU
-                </button>
-              </div>
-            </article>
-          </div>
-          <Modal
-            open={props.cycleRentOpen}
-            title={props.copy.billingCycleTitle ?? ''}
-            description={props.copy.cycleEditorBody ?? ''}
-            closeLabel={props.copy.closeEditorAction ?? ''}
-            onClose={props.onCloseCycleModal}
-            footer={
-              props.cycleState?.cycle ? (
-                <div class="modal-action-row modal-action-row--single">
-                  <Button variant="ghost" onClick={props.onCloseCycleModal}>
-                    {props.copy.closeEditorAction ?? ''}
+                <div class="panel-toolbar">
+                  <Button variant="secondary" onClick={props.onOpenCycleModal}>
+                    <CalendarIcon />
+                    {props.cycleState?.cycle
+                      ? (props.copy.manageCycleAction ?? '')
+                      : (props.copy.openCycleAction ?? '')}
                   </Button>
-                  <Button
-                    variant="primary"
-                    disabled={
-                      props.savingCycleRent || props.cycleForm.rentAmountMajor.trim().length === 0
-                    }
-                    onClick={() => void props.onSaveCycleRent()}
+                  <Show when={props.cycleState?.cycle}>
+                    <Button
+                      variant="ghost"
+                      disabled={props.closingCycle}
+                      onClick={() => void props.onCloseCycle()}
+                    >
+                      {props.closingCycle ? props.copy.closingCycle : props.copy.closeCycleAction}
+                    </Button>
+                  </Show>
+                </div>
+              </article>
+
+              <article class="balance-item">
+                <header>
+                  <strong>{props.copy.billingSettingsTitle ?? ''}</strong>
+                  <span>{props.billingForm.settlementCurrency}</span>
+                </header>
+                <p>
+                  {props.billingForm.paymentBalanceAdjustmentPolicy === 'utilities'
+                    ? props.copy.paymentBalanceAdjustmentUtilities
+                    : props.billingForm.paymentBalanceAdjustmentPolicy === 'rent'
+                      ? props.copy.paymentBalanceAdjustmentRent
+                      : props.copy.paymentBalanceAdjustmentSeparate}
+                </p>
+                <div class="ledger-compact-card__meta">
+                  <span class="mini-chip">
+                    {props.copy.rentAmount ?? ''}: {props.billingForm.rentAmountMajor || '—'}{' '}
+                    {props.billingForm.rentCurrency}
+                  </span>
+                  <span class="mini-chip mini-chip--muted">
+                    {props.copy.timezone ?? ''}: {props.billingForm.timezone}
+                  </span>
+                </div>
+                <div class="panel-toolbar">
+                  <Button variant="secondary" onClick={props.onOpenBillingSettingsModal}>
+                    <SettingsIcon />
+                    {props.copy.manageSettingsAction ?? ''}
+                  </Button>
+                </div>
+              </article>
+
+              <article class="balance-item">
+                <header>
+                  <strong>{props.copy.householdLanguage ?? ''}</strong>
+                  <span>{props.householdDefaultLocale.toUpperCase()}</span>
+                </header>
+                <div class="locale-switch__buttons locale-switch__buttons--inline">
+                  <button
+                    classList={{ 'is-active': props.householdDefaultLocale === 'en' }}
+                    type="button"
+                    disabled={props.savingHouseholdLocale}
+                    onClick={() => void props.onChangeHouseholdLocale('en')}
                   >
-                    {props.savingCycleRent
-                      ? props.copy.savingCycleRent
-                      : props.copy.saveCycleRentAction}
-                  </Button>
+                    EN
+                  </button>
+                  <button
+                    classList={{ 'is-active': props.householdDefaultLocale === 'ru' }}
+                    type="button"
+                    disabled={props.savingHouseholdLocale}
+                    onClick={() => void props.onChangeHouseholdLocale('ru')}
+                  >
+                    RU
+                  </button>
+                </div>
+              </article>
+            </div>
+            <Modal
+              open={props.cycleRentOpen}
+              title={props.copy.billingCycleTitle ?? ''}
+              description={props.copy.cycleEditorBody ?? ''}
+              closeLabel={props.copy.closeEditorAction ?? ''}
+              onClose={props.onCloseCycleModal}
+              footer={
+                props.cycleState?.cycle ? (
+                  <div class="modal-action-row modal-action-row--single">
+                    <Button variant="ghost" onClick={props.onCloseCycleModal}>
+                      {props.copy.closeEditorAction ?? ''}
+                    </Button>
+                    <Button
+                      variant="primary"
+                      disabled={
+                        props.savingCycleRent || props.cycleForm.rentAmountMajor.trim().length === 0
+                      }
+                      onClick={() => void props.onSaveCycleRent()}
+                    >
+                      {props.savingCycleRent
+                        ? props.copy.savingCycleRent
+                        : props.copy.saveCycleRentAction}
+                    </Button>
+                  </div>
+                ) : (
+                  <div class="modal-action-row modal-action-row--single">
+                    <Button variant="ghost" onClick={props.onCloseCycleModal}>
+                      {props.copy.closeEditorAction ?? ''}
+                    </Button>
+                    <Button
+                      variant="primary"
+                      disabled={props.openingCycle}
+                      onClick={() => void props.onOpenCycle()}
+                    >
+                      {props.openingCycle ? props.copy.openingCycle : props.copy.openCycleAction}
+                    </Button>
+                  </div>
+                )
+              }
+            >
+              {props.cycleState?.cycle ? (
+                <div class="editor-grid">
+                  <Field label={props.copy.rentAmount ?? ''}>
+                    <input
+                      value={props.cycleForm.rentAmountMajor}
+                      onInput={(event) => props.onCycleRentAmountChange(event.currentTarget.value)}
+                    />
+                  </Field>
+                  <Field label={props.copy.shareRent ?? ''}>
+                    <select
+                      value={props.cycleForm.rentCurrency}
+                      onChange={(event) =>
+                        props.onCycleRentCurrencyChange(event.currentTarget.value as 'USD' | 'GEL')
+                      }
+                    >
+                      <option value="USD">USD</option>
+                      <option value="GEL">GEL</option>
+                    </select>
+                  </Field>
                 </div>
               ) : (
+                <div class="editor-grid">
+                  <Field label={props.copy.billingCyclePeriod ?? ''}>
+                    <input
+                      value={props.cycleForm.period}
+                      onInput={(event) => props.onCyclePeriodChange(event.currentTarget.value)}
+                    />
+                  </Field>
+                  <Field label={props.copy.settlementCurrency ?? ''}>
+                    <div class="settings-field__value">{props.billingForm.settlementCurrency}</div>
+                  </Field>
+                </div>
+              )}
+            </Modal>
+            <Modal
+              open={props.billingSettingsOpen}
+              title={props.copy.billingSettingsTitle ?? ''}
+              description={props.copy.billingSettingsEditorBody ?? ''}
+              closeLabel={props.copy.closeEditorAction ?? ''}
+              onClose={props.onCloseBillingSettingsModal}
+              footer={
                 <div class="modal-action-row modal-action-row--single">
-                  <Button variant="ghost" onClick={props.onCloseCycleModal}>
+                  <Button variant="ghost" onClick={props.onCloseBillingSettingsModal}>
                     {props.copy.closeEditorAction ?? ''}
                   </Button>
                   <Button
                     variant="primary"
-                    disabled={props.openingCycle}
-                    onClick={() => void props.onOpenCycle()}
+                    disabled={props.savingBillingSettings}
+                    onClick={() => void props.onSaveBillingSettings()}
                   >
-                    {props.openingCycle ? props.copy.openingCycle : props.copy.openCycleAction}
+                    {props.savingBillingSettings
+                      ? props.copy.savingSettings
+                      : props.copy.saveSettingsAction}
                   </Button>
                 </div>
-              )
-            }
-          >
-            {props.cycleState?.cycle ? (
+              }
+            >
               <div class="editor-grid">
+                <Field label={props.copy.settlementCurrency ?? ''}>
+                  <select
+                    value={props.billingForm.settlementCurrency}
+                    onChange={(event) =>
+                      props.onBillingSettlementCurrencyChange(
+                        event.currentTarget.value as 'USD' | 'GEL'
+                      )
+                    }
+                  >
+                    <option value="GEL">GEL</option>
+                    <option value="USD">USD</option>
+                  </select>
+                </Field>
+                <Field label={props.copy.paymentBalanceAdjustmentPolicy ?? ''} wide>
+                  <select
+                    value={props.billingForm.paymentBalanceAdjustmentPolicy}
+                    onChange={(event) =>
+                      props.onBillingAdjustmentPolicyChange(
+                        event.currentTarget.value as 'utilities' | 'rent' | 'separate'
+                      )
+                    }
+                  >
+                    <option value="utilities">
+                      {props.copy.paymentBalanceAdjustmentUtilities}
+                    </option>
+                    <option value="rent">{props.copy.paymentBalanceAdjustmentRent}</option>
+                    <option value="separate">{props.copy.paymentBalanceAdjustmentSeparate}</option>
+                  </select>
+                </Field>
                 <Field label={props.copy.rentAmount ?? ''}>
                   <input
-                    value={props.cycleForm.rentAmountMajor}
-                    onInput={(event) => props.onCycleRentAmountChange(event.currentTarget.value)}
+                    value={props.billingForm.rentAmountMajor}
+                    onInput={(event) => props.onBillingRentAmountChange(event.currentTarget.value)}
                   />
                 </Field>
                 <Field label={props.copy.shareRent ?? ''}>
                   <select
-                    value={props.cycleForm.rentCurrency}
+                    value={props.billingForm.rentCurrency}
                     onChange={(event) =>
-                      props.onCycleRentCurrencyChange(event.currentTarget.value as 'USD' | 'GEL')
+                      props.onBillingRentCurrencyChange(event.currentTarget.value as 'USD' | 'GEL')
                     }
                   >
                     <option value="USD">USD</option>
                     <option value="GEL">GEL</option>
                   </select>
                 </Field>
-              </div>
-            ) : (
-              <div class="editor-grid">
-                <Field label={props.copy.billingCyclePeriod ?? ''}>
+                <Field label={props.copy.rentDueDay ?? ''}>
                   <input
-                    value={props.cycleForm.period}
-                    onInput={(event) => props.onCyclePeriodChange(event.currentTarget.value)}
+                    type="number"
+                    min="1"
+                    max="31"
+                    value={String(props.billingForm.rentDueDay)}
+                    onInput={(event) =>
+                      props.onBillingRentDueDayChange(Number(event.currentTarget.value))
+                    }
                   />
                 </Field>
-                <Field label={props.copy.settlementCurrency ?? ''}>
-                  <div class="settings-field__value">{props.billingForm.settlementCurrency}</div>
+                <Field label={props.copy.rentWarningDay ?? ''}>
+                  <input
+                    type="number"
+                    min="1"
+                    max="31"
+                    value={String(props.billingForm.rentWarningDay)}
+                    onInput={(event) =>
+                      props.onBillingRentWarningDayChange(Number(event.currentTarget.value))
+                    }
+                  />
+                </Field>
+                <Field label={props.copy.utilitiesDueDay ?? ''}>
+                  <input
+                    type="number"
+                    min="1"
+                    max="31"
+                    value={String(props.billingForm.utilitiesDueDay)}
+                    onInput={(event) =>
+                      props.onBillingUtilitiesDueDayChange(Number(event.currentTarget.value))
+                    }
+                  />
+                </Field>
+                <Field label={props.copy.utilitiesReminderDay ?? ''}>
+                  <input
+                    type="number"
+                    min="1"
+                    max="31"
+                    value={String(props.billingForm.utilitiesReminderDay)}
+                    onInput={(event) =>
+                      props.onBillingUtilitiesReminderDayChange(Number(event.currentTarget.value))
+                    }
+                  />
+                </Field>
+                <Field label={props.copy.timezone ?? ''} wide>
+                  <input
+                    value={props.billingForm.timezone}
+                    onInput={(event) => props.onBillingTimezoneChange(event.currentTarget.value)}
+                  />
                 </Field>
               </div>
-            )}
-          </Modal>
-          <Modal
-            open={props.billingSettingsOpen}
-            title={props.copy.billingSettingsTitle ?? ''}
-            description={props.copy.billingSettingsEditorBody ?? ''}
-            closeLabel={props.copy.closeEditorAction ?? ''}
-            onClose={props.onCloseBillingSettingsModal}
-            footer={
-              <div class="modal-action-row modal-action-row--single">
-                <Button variant="ghost" onClick={props.onCloseBillingSettingsModal}>
-                  {props.copy.closeEditorAction ?? ''}
-                </Button>
-                <Button
-                  variant="primary"
-                  disabled={props.savingBillingSettings}
-                  onClick={() => void props.onSaveBillingSettings()}
-                >
-                  {props.savingBillingSettings
-                    ? props.copy.savingSettings
-                    : props.copy.saveSettingsAction}
-                </Button>
-              </div>
-            }
-          >
-            <div class="editor-grid">
-              <Field label={props.copy.settlementCurrency ?? ''}>
-                <select
-                  value={props.billingForm.settlementCurrency}
-                  onChange={(event) =>
-                    props.onBillingSettlementCurrencyChange(
-                      event.currentTarget.value as 'USD' | 'GEL'
-                    )
-                  }
-                >
-                  <option value="GEL">GEL</option>
-                  <option value="USD">USD</option>
-                </select>
-              </Field>
-              <Field label={props.copy.paymentBalanceAdjustmentPolicy ?? ''} wide>
-                <select
-                  value={props.billingForm.paymentBalanceAdjustmentPolicy}
-                  onChange={(event) =>
-                    props.onBillingAdjustmentPolicyChange(
-                      event.currentTarget.value as 'utilities' | 'rent' | 'separate'
-                    )
-                  }
-                >
-                  <option value="utilities">{props.copy.paymentBalanceAdjustmentUtilities}</option>
-                  <option value="rent">{props.copy.paymentBalanceAdjustmentRent}</option>
-                  <option value="separate">{props.copy.paymentBalanceAdjustmentSeparate}</option>
-                </select>
-              </Field>
-              <Field label={props.copy.rentAmount ?? ''}>
-                <input
-                  value={props.billingForm.rentAmountMajor}
-                  onInput={(event) => props.onBillingRentAmountChange(event.currentTarget.value)}
-                />
-              </Field>
-              <Field label={props.copy.shareRent ?? ''}>
-                <select
-                  value={props.billingForm.rentCurrency}
-                  onChange={(event) =>
-                    props.onBillingRentCurrencyChange(event.currentTarget.value as 'USD' | 'GEL')
-                  }
-                >
-                  <option value="USD">USD</option>
-                  <option value="GEL">GEL</option>
-                </select>
-              </Field>
-              <Field label={props.copy.rentDueDay ?? ''}>
-                <input
-                  type="number"
-                  min="1"
-                  max="31"
-                  value={String(props.billingForm.rentDueDay)}
-                  onInput={(event) =>
-                    props.onBillingRentDueDayChange(Number(event.currentTarget.value))
-                  }
-                />
-              </Field>
-              <Field label={props.copy.rentWarningDay ?? ''}>
-                <input
-                  type="number"
-                  min="1"
-                  max="31"
-                  value={String(props.billingForm.rentWarningDay)}
-                  onInput={(event) =>
-                    props.onBillingRentWarningDayChange(Number(event.currentTarget.value))
-                  }
-                />
-              </Field>
-              <Field label={props.copy.utilitiesDueDay ?? ''}>
-                <input
-                  type="number"
-                  min="1"
-                  max="31"
-                  value={String(props.billingForm.utilitiesDueDay)}
-                  onInput={(event) =>
-                    props.onBillingUtilitiesDueDayChange(Number(event.currentTarget.value))
-                  }
-                />
-              </Field>
-              <Field label={props.copy.utilitiesReminderDay ?? ''}>
-                <input
-                  type="number"
-                  min="1"
-                  max="31"
-                  value={String(props.billingForm.utilitiesReminderDay)}
-                  onInput={(event) =>
-                    props.onBillingUtilitiesReminderDayChange(Number(event.currentTarget.value))
-                  }
-                />
-              </Field>
-              <Field label={props.copy.timezone ?? ''} wide>
-                <input
-                  value={props.billingForm.timezone}
-                  onInput={(event) => props.onBillingTimezoneChange(event.currentTarget.value)}
-                />
-              </Field>
-            </div>
-          </Modal>
-        </section>
-      </Show>
+            </Modal>
+          </section>
+        </Show>
 
-      <Show when={props.activeHouseSection === 'utilities'}>
-        <section class="admin-section">
-          <div class="admin-grid">
-            <article class="balance-item">
-              <header>
-                <strong>{props.copy.utilityLedgerTitle ?? ''}</strong>
-                <span>{props.cycleForm.utilityCurrency}</span>
-              </header>
-              <p>{props.copy.utilityBillsEditorBody ?? ''}</p>
-              <div class="panel-toolbar">
-                <Button variant="secondary" onClick={props.onOpenAddUtilityBill}>
-                  <PlusIcon />
-                  {props.copy.addUtilityBillAction ?? ''}
-                </Button>
-              </div>
-              <div class="ledger-list">
-                {props.cycleState?.utilityBills.length ? (
-                  <For each={props.cycleState?.utilityBills ?? []}>
-                    {(bill) => (
+        <Show when={props.activeHouseSection === 'utilities'}>
+          <section class="admin-section">
+            <div class="admin-grid">
+              <article class="balance-item">
+                <header>
+                  <strong>{props.copy.utilityLedgerTitle ?? ''}</strong>
+                  <span>{props.cycleForm.utilityCurrency}</span>
+                </header>
+                <p>{props.copy.utilityBillsEditorBody ?? ''}</p>
+                <div class="panel-toolbar">
+                  <Button variant="secondary" onClick={props.onOpenAddUtilityBill}>
+                    <PlusIcon />
+                    {props.copy.addUtilityBillAction ?? ''}
+                  </Button>
+                </div>
+                <div class="ledger-list">
+                  {props.cycleState?.utilityBills.length ? (
+                    <For each={props.cycleState?.utilityBills ?? []}>
+                      {(bill) => (
+                        <article class="ledger-compact-card">
+                          <div class="ledger-compact-card__main">
+                            <header>
+                              <strong>{bill.billName}</strong>
+                              <span>{bill.createdAt.slice(0, 10)}</span>
+                            </header>
+                            <p>{props.copy.utilityCategoryName ?? ''}</p>
+                            <div class="ledger-compact-card__meta">
+                              <span class="mini-chip">
+                                {props.minorToMajorString(BigInt(bill.amountMinor))} {bill.currency}
+                              </span>
+                            </div>
+                          </div>
+                          <div class="ledger-compact-card__actions">
+                            <IconButton
+                              label={props.copy.editUtilityBillAction ?? ''}
+                              onClick={() => props.onOpenUtilityBillEditor(bill.id)}
+                            >
+                              <PencilIcon />
+                            </IconButton>
+                          </div>
+                        </article>
+                      )}
+                    </For>
+                  ) : (
+                    <p>{props.copy.utilityBillsEmpty ?? ''}</p>
+                  )}
+                </div>
+              </article>
+
+              <article class="balance-item">
+                <header>
+                  <strong>{props.copy.utilityCategoriesTitle ?? ''}</strong>
+                  <span>{String(props.adminSettings?.categories.length ?? 0)}</span>
+                </header>
+                <p>{props.copy.utilityCategoriesBody ?? ''}</p>
+                <div class="panel-toolbar">
+                  <Button variant="secondary" onClick={() => props.onOpenCategoryEditor('__new__')}>
+                    <PlusIcon />
+                    {props.copy.addCategoryAction ?? ''}
+                  </Button>
+                </div>
+                <div class="ledger-list">
+                  <For each={props.adminSettings?.categories ?? []}>
+                    {(category) => (
                       <article class="ledger-compact-card">
                         <div class="ledger-compact-card__main">
                           <header>
-                            <strong>{bill.billName}</strong>
-                            <span>{bill.createdAt.slice(0, 10)}</span>
+                            <strong>{category.name}</strong>
+                            <span>{category.isActive ? 'ON' : 'OFF'}</span>
                           </header>
                           <p>{props.copy.utilityCategoryName ?? ''}</p>
                           <div class="ledger-compact-card__meta">
-                            <span class="mini-chip">
-                              {props.minorToMajorString(BigInt(bill.amountMinor))} {bill.currency}
+                            <span
+                              class={`mini-chip ${category.isActive ? '' : 'mini-chip--muted'}`}
+                            >
+                              {category.isActive ? 'ON' : 'OFF'}
                             </span>
                           </div>
                         </div>
                         <div class="ledger-compact-card__actions">
                           <IconButton
-                            label={props.copy.editUtilityBillAction ?? ''}
-                            onClick={() => props.onOpenUtilityBillEditor(bill.id)}
+                            label={props.copy.editCategoryAction ?? ''}
+                            onClick={() => props.onOpenCategoryEditor(category.slug)}
                           >
                             <PencilIcon />
                           </IconButton>
@@ -533,573 +584,537 @@ export function HouseScreen(props: Props) {
                       </article>
                     )}
                   </For>
-                ) : (
-                  <p>{props.copy.utilityBillsEmpty ?? ''}</p>
-                )}
-              </div>
-            </article>
-
-            <article class="balance-item">
-              <header>
-                <strong>{props.copy.utilityCategoriesTitle ?? ''}</strong>
-                <span>{String(props.adminSettings?.categories.length ?? 0)}</span>
-              </header>
-              <p>{props.copy.utilityCategoriesBody ?? ''}</p>
-              <div class="panel-toolbar">
-                <Button variant="secondary" onClick={() => props.onOpenCategoryEditor('__new__')}>
-                  <PlusIcon />
-                  {props.copy.addCategoryAction ?? ''}
-                </Button>
-              </div>
-              <div class="ledger-list">
-                <For each={props.adminSettings?.categories ?? []}>
-                  {(category) => (
-                    <article class="ledger-compact-card">
-                      <div class="ledger-compact-card__main">
-                        <header>
-                          <strong>{category.name}</strong>
-                          <span>{category.isActive ? 'ON' : 'OFF'}</span>
-                        </header>
-                        <p>{props.copy.utilityCategoryName ?? ''}</p>
-                        <div class="ledger-compact-card__meta">
-                          <span class={`mini-chip ${category.isActive ? '' : 'mini-chip--muted'}`}>
-                            {category.isActive ? 'ON' : 'OFF'}
-                          </span>
-                        </div>
-                      </div>
-                      <div class="ledger-compact-card__actions">
-                        <IconButton
-                          label={props.copy.editCategoryAction ?? ''}
-                          onClick={() => props.onOpenCategoryEditor(category.slug)}
-                        >
-                          <PencilIcon />
-                        </IconButton>
-                      </div>
-                    </article>
-                  )}
-                </For>
-              </div>
-            </article>
-          </div>
-          <Modal
-            open={props.addingUtilityBillOpen}
-            title={props.copy.addUtilityBillAction ?? ''}
-            description={props.copy.utilityBillCreateBody ?? ''}
-            closeLabel={props.copy.closeEditorAction ?? ''}
-            onClose={props.onCloseAddUtilityBill}
-            footer={
-              <div class="modal-action-row modal-action-row--single">
-                <Button variant="ghost" onClick={props.onCloseAddUtilityBill}>
-                  {props.copy.closeEditorAction ?? ''}
-                </Button>
-                <Button
-                  variant="primary"
-                  disabled={
-                    props.savingUtilityBill ||
-                    props.cycleForm.utilityAmountMajor.trim().length === 0
-                  }
-                  onClick={() => void props.onAddUtilityBill()}
-                >
-                  {props.savingUtilityBill
-                    ? props.copy.savingUtilityBill
-                    : props.copy.addUtilityBillAction}
-                </Button>
-              </div>
-            }
-          >
-            <div class="editor-grid">
-              <Field label={props.copy.utilityCategoryLabel ?? ''}>
-                <select
-                  value={props.cycleForm.utilityCategorySlug}
-                  onChange={(event) =>
-                    props.onCycleUtilityCategoryChange(event.currentTarget.value)
-                  }
-                >
-                  <For
-                    each={(props.adminSettings?.categories ?? []).filter(
-                      (category) => category.isActive
-                    )}
-                  >
-                    {(category) => <option value={category.slug}>{category.name}</option>}
-                  </For>
-                </select>
-              </Field>
-              <Field label={props.copy.utilityAmount ?? ''}>
-                <input
-                  value={props.cycleForm.utilityAmountMajor}
-                  onInput={(event) => props.onCycleUtilityAmountChange(event.currentTarget.value)}
-                />
-              </Field>
-              <Field label={props.copy.settlementCurrency ?? ''}>
-                <select
-                  value={props.cycleForm.utilityCurrency}
-                  onChange={(event) =>
-                    props.onCycleUtilityCurrencyChange(event.currentTarget.value as 'USD' | 'GEL')
-                  }
-                >
-                  <option value="GEL">GEL</option>
-                  <option value="USD">USD</option>
-                </select>
-              </Field>
+                </div>
+              </article>
             </div>
-          </Modal>
-          <Modal
-            open={Boolean(props.editingUtilityBill)}
-            title={props.copy.utilityLedgerTitle ?? ''}
-            description={props.copy.utilityBillEditorBody ?? ''}
-            closeLabel={props.copy.closeEditorAction ?? ''}
-            onClose={props.onCloseUtilityBillEditor}
-            footer={(() => {
-              const bill = props.editingUtilityBill
-              if (!bill) {
-                return null
-              }
-              return (
-                <div class="modal-action-row">
-                  <Button variant="danger" onClick={() => void props.onDeleteUtilityBill(bill.id)}>
-                    {props.deletingUtilityBillId === bill.id
-                      ? props.copy.deletingUtilityBill
-                      : props.copy.deleteUtilityBillAction}
-                  </Button>
-                  <div class="modal-action-row__primary">
-                    <Button variant="ghost" onClick={props.onCloseUtilityBillEditor}>
-                      {props.copy.closeEditorAction ?? ''}
-                    </Button>
-                    <Button
-                      variant="primary"
-                      disabled={props.savingUtilityBillId === bill.id}
-                      onClick={() => void props.onSaveUtilityBill(bill.id)}
-                    >
-                      {props.savingUtilityBillId === bill.id
-                        ? props.copy.savingUtilityBill
-                        : props.copy.saveUtilityBillAction}
-                    </Button>
-                  </div>
-                </div>
-              )
-            })()}
-          >
-            {(() => {
-              const bill = props.editingUtilityBill
-              if (!bill) {
-                return null
-              }
-              const draft = props.utilityBillDrafts[bill.id] ?? {
-                billName: bill.billName,
-                amountMajor: props.minorToMajorString(BigInt(bill.amountMinor)),
-                currency: bill.currency
-              }
-
-              return (
-                <div class="editor-grid">
-                  <Field label={props.copy.utilityCategoryName ?? ''} wide>
-                    <input
-                      value={draft.billName}
-                      onInput={(event) =>
-                        props.onUtilityBillNameChange(bill.id, bill, event.currentTarget.value)
-                      }
-                    />
-                  </Field>
-                  <Field label={props.copy.utilityAmount ?? ''}>
-                    <input
-                      value={draft.amountMajor}
-                      onInput={(event) =>
-                        props.onUtilityBillAmountChange(bill.id, bill, event.currentTarget.value)
-                      }
-                    />
-                  </Field>
-                  <Field label={props.copy.settlementCurrency ?? ''}>
-                    <select
-                      value={draft.currency}
-                      onChange={(event) =>
-                        props.onUtilityBillCurrencyChange(
-                          bill.id,
-                          bill,
-                          event.currentTarget.value as 'USD' | 'GEL'
-                        )
-                      }
-                    >
-                      <option value="GEL">GEL</option>
-                      <option value="USD">USD</option>
-                    </select>
-                  </Field>
-                </div>
-              )
-            })()}
-          </Modal>
-          <Modal
-            open={Boolean(props.editingCategorySlug)}
-            title={
-              props.editingCategorySlug === '__new__'
-                ? (props.copy.addCategoryAction ?? '')
-                : (props.copy.utilityCategoriesTitle ?? '')
-            }
-            description={
-              props.editingCategorySlug === '__new__'
-                ? (props.copy.categoryCreateBody ?? '')
-                : (props.copy.categoryEditorBody ?? '')
-            }
-            closeLabel={props.copy.closeEditorAction ?? ''}
-            onClose={props.onCloseCategoryEditor}
-            footer={(() => {
-              const category = props.editingCategory
-              const isNew = props.editingCategorySlug === '__new__'
-              return (
+            <Modal
+              open={props.addingUtilityBillOpen}
+              title={props.copy.addUtilityBillAction ?? ''}
+              description={props.copy.utilityBillCreateBody ?? ''}
+              closeLabel={props.copy.closeEditorAction ?? ''}
+              onClose={props.onCloseAddUtilityBill}
+              footer={
                 <div class="modal-action-row modal-action-row--single">
-                  <Button variant="ghost" onClick={props.onCloseCategoryEditor}>
+                  <Button variant="ghost" onClick={props.onCloseAddUtilityBill}>
                     {props.copy.closeEditorAction ?? ''}
                   </Button>
                   <Button
                     variant="primary"
                     disabled={
-                      isNew
-                        ? props.newCategoryName.trim().length === 0 ||
-                          props.savingCategorySlug === '__new__'
-                        : !category || props.savingCategorySlug === category.slug
-                    }
-                    onClick={() =>
-                      void (isNew ? props.onSaveNewCategory() : props.onSaveExistingCategory())
+                      props.savingUtilityBill ||
+                      props.cycleForm.utilityAmountMajor.trim().length === 0
                     }
+                    onClick={() => void props.onAddUtilityBill()}
                   >
-                    {props.savingCategorySlug === (isNew ? '__new__' : (category?.slug ?? null))
-                      ? props.copy.savingCategory
-                      : isNew
-                        ? props.copy.addCategoryAction
-                        : props.copy.saveCategoryAction}
+                    {props.savingUtilityBill
+                      ? props.copy.savingUtilityBill
+                      : props.copy.addUtilityBillAction}
                   </Button>
                 </div>
-              )
-            })()}
-          >
-            {props.editingCategorySlug === '__new__' ? (
+              }
+            >
               <div class="editor-grid">
-                <Field label={props.copy.utilityCategoryName ?? ''} wide>
+                <Field label={props.copy.utilityCategoryLabel ?? ''}>
+                  <select
+                    value={props.cycleForm.utilityCategorySlug}
+                    onChange={(event) =>
+                      props.onCycleUtilityCategoryChange(event.currentTarget.value)
+                    }
+                  >
+                    <For
+                      each={(props.adminSettings?.categories ?? []).filter(
+                        (category) => category.isActive
+                      )}
+                    >
+                      {(category) => <option value={category.slug}>{category.name}</option>}
+                    </For>
+                  </select>
+                </Field>
+                <Field label={props.copy.utilityAmount ?? ''}>
                   <input
-                    value={props.newCategoryName}
-                    onInput={(event) => props.onNewCategoryNameChange(event.currentTarget.value)}
+                    value={props.cycleForm.utilityAmountMajor}
+                    onInput={(event) => props.onCycleUtilityAmountChange(event.currentTarget.value)}
                   />
                 </Field>
+                <Field label={props.copy.settlementCurrency ?? ''}>
+                  <select
+                    value={props.cycleForm.utilityCurrency}
+                    onChange={(event) =>
+                      props.onCycleUtilityCurrencyChange(event.currentTarget.value as 'USD' | 'GEL')
+                    }
+                  >
+                    <option value="GEL">GEL</option>
+                    <option value="USD">USD</option>
+                  </select>
+                </Field>
               </div>
-            ) : (
-              (() => {
-                const category = props.editingCategory
-                const draft = props.editingCategoryDraft
-                if (!category || !draft) {
+            </Modal>
+            <Modal
+              open={Boolean(props.editingUtilityBill)}
+              title={props.copy.utilityLedgerTitle ?? ''}
+              description={props.copy.utilityBillEditorBody ?? ''}
+              closeLabel={props.copy.closeEditorAction ?? ''}
+              onClose={props.onCloseUtilityBillEditor}
+              footer={(() => {
+                const bill = props.editingUtilityBill
+                if (!bill) {
                   return null
                 }
+                return (
+                  <div class="modal-action-row">
+                    <Button
+                      variant="danger"
+                      onClick={() => void props.onDeleteUtilityBill(bill.id)}
+                    >
+                      {props.deletingUtilityBillId === bill.id
+                        ? props.copy.deletingUtilityBill
+                        : props.copy.deleteUtilityBillAction}
+                    </Button>
+                    <div class="modal-action-row__primary">
+                      <Button variant="ghost" onClick={props.onCloseUtilityBillEditor}>
+                        {props.copy.closeEditorAction ?? ''}
+                      </Button>
+                      <Button
+                        variant="primary"
+                        disabled={props.savingUtilityBillId === bill.id}
+                        onClick={() => void props.onSaveUtilityBill(bill.id)}
+                      >
+                        {props.savingUtilityBillId === bill.id
+                          ? props.copy.savingUtilityBill
+                          : props.copy.saveUtilityBillAction}
+                      </Button>
+                    </div>
+                  </div>
+                )
+              })()}
+            >
+              {(() => {
+                const bill = props.editingUtilityBill
+                if (!bill) {
+                  return null
+                }
+                const draft = props.utilityBillDrafts[bill.id] ?? {
+                  billName: bill.billName,
+                  amountMajor: props.minorToMajorString(BigInt(bill.amountMinor)),
+                  currency: bill.currency
+                }
+
                 return (
                   <div class="editor-grid">
                     <Field label={props.copy.utilityCategoryName ?? ''} wide>
                       <input
-                        value={draft.name}
+                        value={draft.billName}
                         onInput={(event) =>
-                          props.onEditingCategoryNameChange(event.currentTarget.value)
+                          props.onUtilityBillNameChange(bill.id, bill, event.currentTarget.value)
                         }
                       />
                     </Field>
-                    <Field label={props.copy.utilityCategoryActive ?? ''}>
+                    <Field label={props.copy.utilityAmount ?? ''}>
+                      <input
+                        value={draft.amountMajor}
+                        onInput={(event) =>
+                          props.onUtilityBillAmountChange(bill.id, bill, event.currentTarget.value)
+                        }
+                      />
+                    </Field>
+                    <Field label={props.copy.settlementCurrency ?? ''}>
                       <select
-                        value={draft.isActive ? 'true' : 'false'}
+                        value={draft.currency}
                         onChange={(event) =>
-                          props.onEditingCategoryActiveChange(event.currentTarget.value === 'true')
+                          props.onUtilityBillCurrencyChange(
+                            bill.id,
+                            bill,
+                            event.currentTarget.value as 'USD' | 'GEL'
+                          )
                         }
                       >
-                        <option value="true">ON</option>
-                        <option value="false">OFF</option>
+                        <option value="GEL">GEL</option>
+                        <option value="USD">USD</option>
                       </select>
                     </Field>
                   </div>
                 )
-              })()
-            )}
-          </Modal>
-        </section>
-      </Show>
-
-      <Show when={props.activeHouseSection === 'members'}>
-        <section class="admin-section">
-          <div class="admin-grid">
-            <article class="balance-item admin-card--wide">
-              <header>
-                <strong>{props.copy.adminsTitle ?? ''}</strong>
-                <span>{String(props.adminSettings?.members.length ?? 0)}</span>
-              </header>
-              <div class="ledger-list">
-                <For each={props.adminSettings?.members ?? []}>
-                  {(member) => (
-                    <article class="ledger-compact-card">
-                      <div class="ledger-compact-card__main">
-                        <header>
-                          <strong>{member.displayName}</strong>
-                          <span>
-                            {member.isAdmin ? props.copy.adminTag : props.copy.residentTag}
-                          </span>
-                        </header>
-                        <p>{props.memberStatusLabel(member.status)}</p>
-                        <div class="ledger-compact-card__meta">
-                          <span class="mini-chip">
-                            {props.copy.rentWeightLabel}: {member.rentShareWeight}
-                          </span>
-                          <span class="mini-chip mini-chip--muted">
-                            {(() => {
-                              const policy = props.resolvedMemberAbsencePolicy(
-                                member.id,
-                                member.status
-                              ).policy
-                              return policy === 'away_rent_only'
-                                ? props.copy.absencePolicyAwayRentOnly
-                                : policy === 'away_rent_and_utilities'
-                                  ? props.copy.absencePolicyAwayRentAndUtilities
-                                  : policy === 'inactive'
-                                    ? props.copy.absencePolicyInactive
-                                    : props.copy.absencePolicyResident
-                            })()}
-                          </span>
-                        </div>
-                      </div>
-                      <div class="ledger-compact-card__actions">
-                        <IconButton
-                          label={props.copy.editMemberAction ?? ''}
-                          onClick={() => props.onOpenMemberEditor(member.id)}
-                        >
-                          <PencilIcon />
-                        </IconButton>
-                      </div>
-                    </article>
-                  )}
-                </For>
-              </div>
-            </article>
-
-            <article class="balance-item">
-              <header>
-                <strong>{props.copy.pendingMembersTitle ?? ''}</strong>
-                <span>{String(props.pendingMembers.length)}</span>
-              </header>
-              <p>{props.copy.pendingMembersBody ?? ''}</p>
-              {props.pendingMembers.length === 0 ? (
-                <p>{props.copy.pendingMembersEmpty ?? ''}</p>
+              })()}
+            </Modal>
+            <Modal
+              open={Boolean(props.editingCategorySlug)}
+              title={
+                props.editingCategorySlug === '__new__'
+                  ? (props.copy.addCategoryAction ?? '')
+                  : (props.copy.utilityCategoriesTitle ?? '')
+              }
+              description={
+                props.editingCategorySlug === '__new__'
+                  ? (props.copy.categoryCreateBody ?? '')
+                  : (props.copy.categoryEditorBody ?? '')
+              }
+              closeLabel={props.copy.closeEditorAction ?? ''}
+              onClose={props.onCloseCategoryEditor}
+              footer={(() => {
+                const category = props.editingCategory
+                const isNew = props.editingCategorySlug === '__new__'
+                return (
+                  <div class="modal-action-row modal-action-row--single">
+                    <Button variant="ghost" onClick={props.onCloseCategoryEditor}>
+                      {props.copy.closeEditorAction ?? ''}
+                    </Button>
+                    <Button
+                      variant="primary"
+                      disabled={
+                        isNew
+                          ? props.newCategoryName.trim().length === 0 ||
+                            props.savingCategorySlug === '__new__'
+                          : !category || props.savingCategorySlug === category.slug
+                      }
+                      onClick={() =>
+                        void (isNew ? props.onSaveNewCategory() : props.onSaveExistingCategory())
+                      }
+                    >
+                      {props.savingCategorySlug === (isNew ? '__new__' : (category?.slug ?? null))
+                        ? props.copy.savingCategory
+                        : isNew
+                          ? props.copy.addCategoryAction
+                          : props.copy.saveCategoryAction}
+                    </Button>
+                  </div>
+                )
+              })()}
+            >
+              {props.editingCategorySlug === '__new__' ? (
+                <div class="editor-grid">
+                  <Field label={props.copy.utilityCategoryName ?? ''} wide>
+                    <input
+                      value={props.newCategoryName}
+                      onInput={(event) => props.onNewCategoryNameChange(event.currentTarget.value)}
+                    />
+                  </Field>
+                </div>
               ) : (
-                <div class="admin-sublist admin-sublist--plain">
-                  <For each={props.pendingMembers}>
-                    {(member) => (
-                      <article class="ledger-item">
-                        <header>
-                          <strong>{member.displayName}</strong>
-                          <span>{member.telegramUserId}</span>
-                        </header>
-                        <p>
-                          {member.username
-                            ? (props.copy.pendingMemberHandle ?? '').replace(
-                                '{username}',
-                                member.username
-                              )
-                            : (member.languageCode ?? 'Telegram')}
-                        </p>
-                        <button
-                          class="ghost-button"
-                          type="button"
-                          disabled={props.approvingTelegramUserId === member.telegramUserId}
-                          onClick={() => void props.onApprovePendingMember(member.telegramUserId)}
+                (() => {
+                  const category = props.editingCategory
+                  const draft = props.editingCategoryDraft
+                  if (!category || !draft) {
+                    return null
+                  }
+                  return (
+                    <div class="editor-grid">
+                      <Field label={props.copy.utilityCategoryName ?? ''} wide>
+                        <input
+                          value={draft.name}
+                          onInput={(event) =>
+                            props.onEditingCategoryNameChange(event.currentTarget.value)
+                          }
+                        />
+                      </Field>
+                      <Field label={props.copy.utilityCategoryActive ?? ''}>
+                        <select
+                          value={draft.isActive ? 'true' : 'false'}
+                          onChange={(event) =>
+                            props.onEditingCategoryActiveChange(
+                              event.currentTarget.value === 'true'
+                            )
+                          }
                         >
-                          {props.approvingTelegramUserId === member.telegramUserId
-                            ? props.copy.approvingMember
-                            : props.copy.approveMemberAction}
-                        </button>
+                          <option value="true">ON</option>
+                          <option value="false">OFF</option>
+                        </select>
+                      </Field>
+                    </div>
+                  )
+                })()
+              )}
+            </Modal>
+          </section>
+        </Show>
+
+        <Show when={props.activeHouseSection === 'members'}>
+          <section class="admin-section">
+            <div class="admin-grid">
+              <article class="balance-item admin-card--wide">
+                <header>
+                  <strong>{props.copy.adminsTitle ?? ''}</strong>
+                  <span>{String(props.adminSettings?.members.length ?? 0)}</span>
+                </header>
+                <div class="ledger-list">
+                  <For each={props.adminSettings?.members ?? []}>
+                    {(member) => (
+                      <article class="ledger-compact-card">
+                        <div class="ledger-compact-card__main">
+                          <header>
+                            <strong>{member.displayName}</strong>
+                            <span>
+                              {member.isAdmin ? props.copy.adminTag : props.copy.residentTag}
+                            </span>
+                          </header>
+                          <p>{props.memberStatusLabel(member.status)}</p>
+                          <div class="ledger-compact-card__meta">
+                            <span class="mini-chip">
+                              {props.copy.rentWeightLabel}: {member.rentShareWeight}
+                            </span>
+                            <span class="mini-chip mini-chip--muted">
+                              {(() => {
+                                const policy = props.resolvedMemberAbsencePolicy(
+                                  member.id,
+                                  member.status
+                                ).policy
+                                return policy === 'away_rent_only'
+                                  ? props.copy.absencePolicyAwayRentOnly
+                                  : policy === 'away_rent_and_utilities'
+                                    ? props.copy.absencePolicyAwayRentAndUtilities
+                                    : policy === 'inactive'
+                                      ? props.copy.absencePolicyInactive
+                                      : props.copy.absencePolicyResident
+                              })()}
+                            </span>
+                          </div>
+                        </div>
+                        <div class="ledger-compact-card__actions">
+                          <IconButton
+                            label={props.copy.editMemberAction ?? ''}
+                            onClick={() => props.onOpenMemberEditor(member.id)}
+                          >
+                            <PencilIcon />
+                          </IconButton>
+                        </div>
                       </article>
                     )}
                   </For>
                 </div>
-              )}
-            </article>
-          </div>
-          <Modal
-            open={Boolean(props.editingMember)}
-            title={props.copy.adminsTitle ?? ''}
-            description={props.copy.memberEditorBody ?? ''}
-            closeLabel={props.copy.closeEditorAction ?? ''}
-            onClose={props.onCloseMemberEditor}
-            footer={(() => {
-              const member = props.editingMember
-              if (!member) {
-                return null
-              }
+              </article>
 
-              const nextDisplayName =
-                props.memberDisplayNameDrafts[member.id]?.trim() ?? member.displayName
-              const nextStatus = props.memberStatusDrafts[member.id] ?? member.status
-              const currentPolicy = props.resolvedMemberAbsencePolicy(member.id, member.status)
-              const nextPolicy = props.memberAbsencePolicyDrafts[member.id] ?? currentPolicy.policy
-              const nextWeight = Number(
-                props.rentWeightDrafts[member.id] ?? String(member.rentShareWeight)
-              )
-              const hasNameChange =
-                nextDisplayName.length >= 2 && nextDisplayName !== member.displayName
-              const hasStatusChange = nextStatus !== member.status
-              const hasPolicyChange = nextStatus === 'away' && nextPolicy !== currentPolicy.policy
-              const hasWeightChange =
-                Number.isInteger(nextWeight) &&
-                nextWeight > 0 &&
-                nextWeight !== member.rentShareWeight
-              const canSave =
-                props.savingMemberEditorId !== member.id &&
-                (hasNameChange || hasStatusChange || hasPolicyChange || hasWeightChange)
-
-              return (
-                <div class="member-editor-actions">
-                  <Button
-                    variant="ghost"
-                    class="member-editor-actions__close"
-                    onClick={props.onCloseMemberEditor}
-                  >
-                    {props.copy.closeEditorAction ?? ''}
-                  </Button>
-                  <div class="member-editor-actions__grid">
-                    <Button
-                      variant="primary"
-                      class="member-editor-actions__button"
-                      disabled={!canSave}
-                      onClick={() => void props.onSaveMemberChanges(member.id)}
-                    >
-                      {props.savingMemberEditorId === member.id
-                        ? props.copy.savingSettings
-                        : props.copy.saveMemberChangesAction}
-                    </Button>
-                    <Show when={!member.isAdmin}>
-                      <Button
-                        variant="secondary"
-                        class="member-editor-actions__button"
-                        disabled={props.promotingMemberId === member.id}
-                        onClick={() => void props.onPromoteMember(member.id)}
-                      >
-                        {props.promotingMemberId === member.id
-                          ? props.copy.promotingAdmin
-                          : props.copy.promoteAdminAction}
-                      </Button>
-                    </Show>
+              <article class="balance-item">
+                <header>
+                  <strong>{props.copy.pendingMembersTitle ?? ''}</strong>
+                  <span>{String(props.pendingMembers.length)}</span>
+                </header>
+                <p>{props.copy.pendingMembersBody ?? ''}</p>
+                {props.pendingMembers.length === 0 ? (
+                  <p>{props.copy.pendingMembersEmpty ?? ''}</p>
+                ) : (
+                  <div class="admin-sublist admin-sublist--plain">
+                    <For each={props.pendingMembers}>
+                      {(member) => (
+                        <article class="ledger-item">
+                          <header>
+                            <strong>{member.displayName}</strong>
+                            <span>{member.telegramUserId}</span>
+                          </header>
+                          <p>
+                            {member.username
+                              ? (props.copy.pendingMemberHandle ?? '').replace(
+                                  '{username}',
+                                  member.username
+                                )
+                              : (member.languageCode ?? 'Telegram')}
+                          </p>
+                          <button
+                            class="ghost-button"
+                            type="button"
+                            disabled={props.approvingTelegramUserId === member.telegramUserId}
+                            onClick={() => void props.onApprovePendingMember(member.telegramUserId)}
+                          >
+                            {props.approvingTelegramUserId === member.telegramUserId
+                              ? props.copy.approvingMember
+                              : props.copy.approveMemberAction}
+                          </button>
+                        </article>
+                      )}
+                    </For>
                   </div>
-                </div>
-              )
-            })()}
-          >
-            {(() => {
-              const member = props.editingMember
-              if (!member) {
-                return null
-              }
+                )}
+              </article>
+            </div>
+            <Modal
+              open={Boolean(props.editingMember)}
+              title={props.copy.adminsTitle ?? ''}
+              description={props.copy.memberEditorBody ?? ''}
+              closeLabel={props.copy.closeEditorAction ?? ''}
+              onClose={props.onCloseMemberEditor}
+              footer={(() => {
+                const member = props.editingMember
+                if (!member) {
+                  return null
+                }
 
-              const resolvedPolicy = props.resolvedMemberAbsencePolicy(member.id, member.status)
+                const nextDisplayName =
+                  props.memberDisplayNameDrafts[member.id]?.trim() ?? member.displayName
+                const nextStatus = props.memberStatusDrafts[member.id] ?? member.status
+                const currentPolicy = props.resolvedMemberAbsencePolicy(member.id, member.status)
+                const nextPolicy =
+                  props.memberAbsencePolicyDrafts[member.id] ?? currentPolicy.policy
+                const nextWeight = Number(
+                  props.rentWeightDrafts[member.id] ?? String(member.rentShareWeight)
+                )
+                const hasNameChange =
+                  nextDisplayName.length >= 2 && nextDisplayName !== member.displayName
+                const hasStatusChange = nextStatus !== member.status
+                const hasPolicyChange = nextStatus === 'away' && nextPolicy !== currentPolicy.policy
+                const hasWeightChange =
+                  Number.isInteger(nextWeight) &&
+                  nextWeight > 0 &&
+                  nextWeight !== member.rentShareWeight
+                const canSave =
+                  props.savingMemberEditorId !== member.id &&
+                  (hasNameChange || hasStatusChange || hasPolicyChange || hasWeightChange)
 
-              return (
-                <div class="editor-grid">
-                  <Field
-                    label={props.copy.displayNameLabel ?? ''}
-                    hint={props.copy.displayNameHint ?? ''}
-                    wide
-                  >
-                    <input
-                      value={props.memberDisplayNameDrafts[member.id] ?? member.displayName}
-                      onInput={(event) =>
-                        props.onMemberDisplayNameDraftChange(member.id, event.currentTarget.value)
-                      }
-                    />
-                  </Field>
-                  <Field label={props.copy.memberStatusLabel ?? ''} wide>
-                    <select
-                      value={props.memberStatusDrafts[member.id] ?? member.status}
-                      onChange={(event) =>
-                        props.onMemberStatusDraftChange(
-                          member.id,
-                          event.currentTarget.value as 'active' | 'away' | 'left'
-                        )
-                      }
+                return (
+                  <div class="member-editor-actions">
+                    <Button
+                      variant="ghost"
+                      class="member-editor-actions__close"
+                      onClick={props.onCloseMemberEditor}
                     >
-                      <option value="active">{props.copy.memberStatusActive ?? ''}</option>
-                      <option value="away">{props.copy.memberStatusAway ?? ''}</option>
-                      <option value="left">{props.copy.memberStatusLeft ?? ''}</option>
-                    </select>
-                  </Field>
-                  <Field
-                    label={props.copy.absencePolicyLabel ?? ''}
-                    hint={
-                      resolvedPolicy.effectiveFromPeriod
-                        ? (props.copy.absencePolicyEffectiveFrom ?? '').replace(
-                            '{period}',
-                            resolvedPolicy.effectiveFromPeriod
+                      {props.copy.closeEditorAction ?? ''}
+                    </Button>
+                    <div class="member-editor-actions__grid">
+                      <Button
+                        variant="primary"
+                        class="member-editor-actions__button"
+                        disabled={!canSave}
+                        onClick={() => void props.onSaveMemberChanges(member.id)}
+                      >
+                        {props.savingMemberEditorId === member.id
+                          ? props.copy.savingSettings
+                          : props.copy.saveMemberChangesAction}
+                      </Button>
+                      <Show when={!member.isAdmin}>
+                        <Button
+                          variant="secondary"
+                          class="member-editor-actions__button"
+                          disabled={props.promotingMemberId === member.id}
+                          onClick={() => void props.onPromoteMember(member.id)}
+                        >
+                          {props.promotingMemberId === member.id
+                            ? props.copy.promotingAdmin
+                            : props.copy.promoteAdminAction}
+                        </Button>
+                      </Show>
+                    </div>
+                  </div>
+                )
+              })()}
+            >
+              {(() => {
+                const member = props.editingMember
+                if (!member) {
+                  return null
+                }
+
+                const resolvedPolicy = props.resolvedMemberAbsencePolicy(member.id, member.status)
+
+                return (
+                  <div class="editor-grid">
+                    <Field
+                      label={props.copy.displayNameLabel ?? ''}
+                      hint={props.copy.displayNameHint ?? ''}
+                      wide
+                    >
+                      <input
+                        value={props.memberDisplayNameDrafts[member.id] ?? member.displayName}
+                        onInput={(event) =>
+                          props.onMemberDisplayNameDraftChange(member.id, event.currentTarget.value)
+                        }
+                      />
+                    </Field>
+                    <Field label={props.copy.memberStatusLabel ?? ''} wide>
+                      <select
+                        value={props.memberStatusDrafts[member.id] ?? member.status}
+                        onChange={(event) =>
+                          props.onMemberStatusDraftChange(
+                            member.id,
+                            event.currentTarget.value as 'active' | 'away' | 'left'
                           )
-                        : (props.copy.absencePolicyHint ?? '')
-                    }
-                    wide
-                  >
-                    <select
-                      value={props.memberAbsencePolicyDrafts[member.id] ?? resolvedPolicy.policy}
-                      disabled={(props.memberStatusDrafts[member.id] ?? member.status) !== 'away'}
-                      onChange={(event) =>
-                        props.onMemberAbsencePolicyDraftChange(
-                          member.id,
-                          event.currentTarget.value as MiniAppMemberAbsencePolicy
-                        )
+                        }
+                      >
+                        <option value="active">{props.copy.memberStatusActive ?? ''}</option>
+                        <option value="away">{props.copy.memberStatusAway ?? ''}</option>
+                        <option value="left">{props.copy.memberStatusLeft ?? ''}</option>
+                      </select>
+                    </Field>
+                    <Field
+                      label={props.copy.absencePolicyLabel ?? ''}
+                      hint={
+                        resolvedPolicy.effectiveFromPeriod
+                          ? (props.copy.absencePolicyEffectiveFrom ?? '').replace(
+                              '{period}',
+                              resolvedPolicy.effectiveFromPeriod
+                            )
+                          : (props.copy.absencePolicyHint ?? '')
                       }
+                      wide
                     >
-                      <option value="away_rent_and_utilities">
-                        {props.copy.absencePolicyAwayRentAndUtilities ?? ''}
-                      </option>
-                      <option value="away_rent_only">
-                        {props.copy.absencePolicyAwayRentOnly ?? ''}
-                      </option>
-                      <option value="inactive">{props.copy.absencePolicyInactive ?? ''}</option>
-                      <option value="resident">{props.copy.absencePolicyResident ?? ''}</option>
-                    </select>
-                  </Field>
-                  <Field label={props.copy.rentWeightLabel ?? ''} wide>
-                    <input
-                      inputMode="numeric"
-                      value={props.rentWeightDrafts[member.id] ?? String(member.rentShareWeight)}
-                      onInput={(event) =>
-                        props.onRentWeightDraftChange(member.id, event.currentTarget.value)
-                      }
-                    />
-                  </Field>
+                      <select
+                        value={props.memberAbsencePolicyDrafts[member.id] ?? resolvedPolicy.policy}
+                        disabled={(props.memberStatusDrafts[member.id] ?? member.status) !== 'away'}
+                        onChange={(event) =>
+                          props.onMemberAbsencePolicyDraftChange(
+                            member.id,
+                            event.currentTarget.value as MiniAppMemberAbsencePolicy
+                          )
+                        }
+                      >
+                        <option value="away_rent_and_utilities">
+                          {props.copy.absencePolicyAwayRentAndUtilities ?? ''}
+                        </option>
+                        <option value="away_rent_only">
+                          {props.copy.absencePolicyAwayRentOnly ?? ''}
+                        </option>
+                        <option value="inactive">{props.copy.absencePolicyInactive ?? ''}</option>
+                        <option value="resident">{props.copy.absencePolicyResident ?? ''}</option>
+                      </select>
+                    </Field>
+                    <Field label={props.copy.rentWeightLabel ?? ''} wide>
+                      <input
+                        inputMode="numeric"
+                        value={props.rentWeightDrafts[member.id] ?? String(member.rentShareWeight)}
+                        onInput={(event) =>
+                          props.onRentWeightDraftChange(member.id, event.currentTarget.value)
+                        }
+                      />
+                    </Field>
+                  </div>
+                )
+              })()}
+            </Modal>
+          </section>
+        </Show>
+
+        <Show when={props.activeHouseSection === 'topics'}>
+          <section class="admin-section">
+            <div class="admin-grid">
+              <article class="balance-item admin-card--wide">
+                <header>
+                  <strong>{props.copy.topicBindingsTitle ?? ''}</strong>
+                  <span>{String(props.adminSettings?.topics.length ?? 0)}/4</span>
+                </header>
+                <div class="balance-list admin-sublist">
+                  <For each={['purchase', 'feedback', 'reminders', 'payments'] as const}>
+                    {(role) => {
+                      const binding = props.adminSettings?.topics.find(
+                        (topic) => topic.role === role
+                      )
+
+                      return (
+                        <article class="ledger-item">
+                          <header>
+                            <strong>{props.topicRoleLabel(role)}</strong>
+                            <span>{binding ? props.copy.topicBound : props.copy.topicUnbound}</span>
+                          </header>
+                          <p>
+                            {binding
+                              ? `${binding.topicName ?? `Topic #${binding.telegramThreadId}`} · #${binding.telegramThreadId}`
+                              : props.copy.topicUnbound}
+                          </p>
+                        </article>
+                      )
+                    }}
+                  </For>
                 </div>
-              )
-            })()}
-          </Modal>
-        </section>
-      </Show>
-
-      <Show when={props.activeHouseSection === 'topics'}>
-        <section class="admin-section">
-          <div class="admin-grid">
-            <article class="balance-item admin-card--wide">
-              <header>
-                <strong>{props.copy.topicBindingsTitle ?? ''}</strong>
-                <span>{String(props.adminSettings?.topics.length ?? 0)}/4</span>
-              </header>
-              <div class="balance-list admin-sublist">
-                <For each={['purchase', 'feedback', 'reminders', 'payments'] as const}>
-                  {(role) => {
-                    const binding = props.adminSettings?.topics.find((topic) => topic.role === role)
-
-                    return (
-                      <article class="ledger-item">
-                        <header>
-                          <strong>{props.topicRoleLabel(role)}</strong>
-                          <span>{binding ? props.copy.topicBound : props.copy.topicUnbound}</span>
-                        </header>
-                        <p>
-                          {binding
-                            ? `${binding.topicName ?? `Topic #${binding.telegramThreadId}`} · #${binding.telegramThreadId}`
-                            : props.copy.topicUnbound}
-                        </p>
-                      </article>
-                    )
-                  }}
-                </For>
-              </div>
-            </article>
-          </div>
-        </section>
-      </Show>
-    </div>
+              </article>
+            </div>
+          </section>
+        </Show>
+      </div>
+    </Show>
   )
 }
diff --git a/packages/application/src/finance-command-service.ts b/packages/application/src/finance-command-service.ts
index 52e75ba..67a30f4 100644
--- a/packages/application/src/finance-command-service.ts
+++ b/packages/application/src/finance-command-service.ts
@@ -140,6 +140,7 @@ export interface FinanceDashboardLedgerEntry {
 export interface FinanceDashboard {
   period: string
   currency: CurrencyCode
+  paymentBalanceAdjustmentPolicy: 'utilities' | 'rent' | 'separate'
   totalDue: Money
   totalPaid: Money
   totalRemaining: Money
@@ -558,6 +559,7 @@ async function buildFinanceDashboard(
   return {
     period: cycle.period,
     currency: cycle.currency,
+    paymentBalanceAdjustmentPolicy: settings.paymentBalanceAdjustmentPolicy ?? 'utilities',
     totalDue: settlement.totalDue,
     totalPaid: paymentRecords.reduce(
       (sum, payment) => sum.add(Money.fromMinor(payment.amountMinor, payment.currency)),
diff --git a/packages/application/src/payment-confirmation-service.test.ts b/packages/application/src/payment-confirmation-service.test.ts
index 9b060ae..eac5ad7 100644
--- a/packages/application/src/payment-confirmation-service.test.ts
+++ b/packages/application/src/payment-confirmation-service.test.ts
@@ -112,6 +112,7 @@ describe('createPaymentConfirmationService', () => {
         generateDashboard: async () => ({
           period: '2026-03',
           currency: 'GEL',
+          paymentBalanceAdjustmentPolicy: 'utilities',
           totalDue: Money.fromMajor('1030', 'GEL'),
           totalPaid: Money.zero('GEL'),
           totalRemaining: Money.fromMajor('1030', 'GEL'),
@@ -174,6 +175,7 @@ describe('createPaymentConfirmationService', () => {
         generateDashboard: async () => ({
           period: '2026-03',
           currency: 'GEL',
+          paymentBalanceAdjustmentPolicy: 'utilities',
           totalDue: Money.fromMajor('1030', 'GEL'),
           totalPaid: Money.zero('GEL'),
           totalRemaining: Money.fromMajor('1030', 'GEL'),