feat(miniapp): carry overdue billing and admin role flows

apps/bot/src/anonymous-feedback.test.ts

@@ -256,6 +256,7 @@ function createHouseholdConfigurationRepository(): HouseholdConfigurationReposit
       isActive: input.isActive
     }),
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],

apps/bot/src/app.ts

@@ -40,6 +40,7 @@ import {
   createMiniAppApproveMemberHandler,
   createMiniAppPendingMembersHandler,
   createMiniAppPromoteMemberHandler,
+  createMiniAppDemoteMemberHandler,
   createMiniAppRejectMemberHandler,
   createMiniAppSettingsHandler,
   createMiniAppUpdateMemberAbsencePolicyHandler,
@@ -634,6 +635,15 @@ export async function createBotRuntimeApp(): Promise<BotRuntimeApp> {
           logger: getLogger('miniapp-admin')
         })
       : undefined,
+    miniAppDemoteMember: householdOnboardingService
+      ? createMiniAppDemoteMemberHandler({
+          allowedOrigins: runtime.miniAppAllowedOrigins,
+          botToken: runtime.telegramBotToken,
+          onboardingService: householdOnboardingService,
+          miniAppAdminService: miniAppAdminService!,
+          logger: getLogger('miniapp-admin')
+        })
+      : undefined,
     miniAppUpdateOwnDisplayName: householdOnboardingService
       ? createMiniAppUpdateOwnDisplayNameHandler({
           allowedOrigins: runtime.miniAppAllowedOrigins,

apps/bot/src/bot-i18n.test.ts

@@ -135,6 +135,7 @@ function createRepository(isAdmin = false): HouseholdConfigurationRepository {
     updateMemberPreferredLocale: async () => null,
     updateHouseholdMemberDisplayName: async () => null,
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],

apps/bot/src/dm-assistant.test.ts

@@ -267,6 +267,7 @@ function createHouseholdRepository(): HouseholdConfigurationRepository {
     updateMemberPreferredLocale: async () => null,
     updateHouseholdMemberDisplayName: async () => null,
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],
@@ -366,6 +367,7 @@ function createFinanceService(): FinanceCommandService {
           netDue: Money.fromMajor('850.00', 'GEL'),
           paid: Money.fromMajor('500.00', 'GEL'),
           remaining: Money.fromMajor('350.00', 'GEL'),
+          overduePayments: [],
           explanations: []
         },
         {
@@ -377,6 +379,7 @@ function createFinanceService(): FinanceCommandService {
           netDue: Money.fromMajor('815.00', 'GEL'),
           paid: Money.fromMajor('200.00', 'GEL'),
           remaining: Money.fromMajor('615.00', 'GEL'),
+          overduePayments: [],
           explanations: []
         },
         {
@@ -388,6 +391,7 @@ function createFinanceService(): FinanceCommandService {
           netDue: Money.fromMajor('680.00', 'GEL'),
           paid: Money.fromMajor('100.00', 'GEL'),
           remaining: Money.fromMajor('580.00', 'GEL'),
+          overduePayments: [],
           explanations: []
         }
       ],

apps/bot/src/finance-commands.test.ts

@@ -113,6 +113,7 @@ function createRepository(): HouseholdConfigurationRepository {
     updateMemberPreferredLocale: async () => null,
     updateHouseholdMemberDisplayName: async () => null,
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],
@@ -150,6 +151,7 @@ function createDashboard(): NonNullable<
         netDue: Money.fromMajor('210', 'GEL'),
         paid: Money.fromMajor('100', 'GEL'),
         remaining: Money.fromMajor('110', 'GEL'),
+        overduePayments: [],
         explanations: []
       },
       {
@@ -161,6 +163,7 @@ function createDashboard(): NonNullable<
         netDue: Money.fromMajor('190', 'GEL'),
         paid: Money.zero('GEL'),
         remaining: Money.fromMajor('190', 'GEL'),
+        overduePayments: [],
         explanations: []
       }
     ],

apps/bot/src/household-setup.test.ts

@@ -484,6 +484,9 @@ function createHouseholdConfigurationRepository(): HouseholdConfigurationReposit
     async promoteHouseholdAdmin() {
       return null
     },
+    async demoteHouseholdAdmin() {
+      return null
+    },
     async updateHouseholdMemberRentShareWeight() {
       return null
     },

apps/bot/src/miniapp-admin.test.ts

@@ -8,6 +8,7 @@ import type {
 
 import {
   createMiniAppApproveMemberHandler,
+  createMiniAppDemoteMemberHandler,
   createMiniAppRejectMemberHandler,
   createMiniAppPendingMembersHandler,
   createMiniAppPromoteMemberHandler,
@@ -230,6 +231,28 @@ function onboardingRepository(): HouseholdConfigurationRepository {
           }
         : null
     },
+    demoteHouseholdAdmin: async (householdId, memberId) => {
+      const member = [
+        {
+          id: 'member-123456',
+          householdId,
+          telegramUserId: '123456',
+          displayName: 'Stan',
+          status: 'active' as const,
+          preferredLocale: null,
+          householdDefaultLocale: household.defaultLocale,
+          rentShareWeight: 1,
+          isAdmin: true
+        }
+      ].find((entry) => entry.id === memberId)
+
+      return member
+        ? {
+            ...member,
+            isAdmin: false
+          }
+        : null
+    },
     updateHouseholdMemberRentShareWeight: async (_householdId, memberId, rentShareWeight) =>
       memberId === 'member-123456'
         ? {
@@ -776,6 +799,95 @@ describe('createMiniAppPromoteMemberHandler', () => {
   })
 })
 
+describe('createMiniAppDemoteMemberHandler', () => {
+  test('removes admin access from a household member for an authenticated admin', async () => {
+    const authDate = Math.floor(Date.now() / 1000)
+    const repository = onboardingRepository()
+    repository.listHouseholdMembersByTelegramUserId = async () => [
+      {
+        id: 'member-123456',
+        householdId: 'household-1',
+        telegramUserId: '123456',
+        displayName: 'Stan',
+        status: 'active',
+        preferredLocale: null,
+        householdDefaultLocale: 'ru',
+        rentShareWeight: 1,
+        isAdmin: true
+      }
+    ]
+    repository.listHouseholdMembers = async () => [
+      {
+        id: 'member-123456',
+        householdId: 'household-1',
+        telegramUserId: '123456',
+        displayName: 'Stan',
+        status: 'active',
+        preferredLocale: null,
+        householdDefaultLocale: 'ru',
+        rentShareWeight: 1,
+        isAdmin: true
+      },
+      {
+        id: 'member-555777',
+        householdId: 'household-1',
+        telegramUserId: '555777',
+        displayName: 'Mia',
+        status: 'active',
+        preferredLocale: null,
+        householdDefaultLocale: 'ru',
+        rentShareWeight: 1,
+        isAdmin: true
+      }
+    ]
+
+    const handler = createMiniAppDemoteMemberHandler({
+      allowedOrigins: ['http://localhost:5173'],
+      botToken: 'test-bot-token',
+      onboardingService: createHouseholdOnboardingService({
+        repository
+      }),
+      miniAppAdminService: createMiniAppAdminService(repository)
+    })
+
+    const response = await handler.handler(
+      new Request('http://localhost/api/miniapp/admin/members/demote', {
+        method: 'POST',
+        headers: {
+          origin: 'http://localhost:5173',
+          'content-type': 'application/json'
+        },
+        body: JSON.stringify({
+          initData: buildMiniAppInitData('test-bot-token', authDate, {
+            id: 123456,
+            first_name: 'Stan',
+            username: 'stanislav',
+            language_code: 'ru'
+          }),
+          memberId: 'member-123456'
+        })
+      })
+    )
+
+    expect(response.status).toBe(200)
+    expect(await response.json()).toEqual({
+      ok: true,
+      authorized: true,
+      member: {
+        id: 'member-123456',
+        householdId: 'household-1',
+        telegramUserId: '123456',
+        displayName: 'Stan',
+        status: 'active',
+        preferredLocale: null,
+        householdDefaultLocale: 'ru',
+        rentShareWeight: 1,
+        isAdmin: false
+      }
+    })
+  })
+})
+
 describe('createMiniAppUpdateOwnDisplayNameHandler', () => {
   test('updates the acting member display name for an authenticated member', async () => {
     const authDate = Math.floor(Date.now() / 1000)

apps/bot/src/miniapp-admin.ts

@@ -898,6 +898,94 @@ export function createMiniAppPromoteMemberHandler(options: {
   }
 }
 
+export function createMiniAppDemoteMemberHandler(options: {
+  allowedOrigins: readonly string[]
+  botToken: string
+  onboardingService: HouseholdOnboardingService
+  miniAppAdminService: MiniAppAdminService
+  logger?: Logger
+}): {
+  handler: (request: Request) => Promise<Response>
+} {
+  const sessionService = createMiniAppSessionService({
+    botToken: options.botToken,
+    onboardingService: options.onboardingService
+  })
+
+  return {
+    handler: async (request) => {
+      const origin = allowedMiniAppOrigin(request, options.allowedOrigins)
+
+      if (request.method === 'OPTIONS') {
+        return miniAppJsonResponse({ ok: true }, 204, origin)
+      }
+
+      if (request.method !== 'POST') {
+        return miniAppJsonResponse({ ok: false, error: 'Method Not Allowed' }, 405, origin)
+      }
+
+      try {
+        const payload = await readPromoteMemberPayload(request)
+        const session = await sessionService.authenticate({
+          initData: payload.initData
+        })
+
+        if (!session) {
+          return miniAppJsonResponse(
+            { ok: false, error: 'Invalid Telegram init data' },
+            401,
+            origin
+          )
+        }
+
+        if (
+          !session.authorized ||
+          !session.member ||
+          session.member.status !== 'active' ||
+          !session.member.isAdmin
+        ) {
+          return miniAppJsonResponse(
+            { ok: false, error: 'Admin access required for active household members' },
+            403,
+            origin
+          )
+        }
+
+        const result = await options.miniAppAdminService.demoteMemberFromAdmin({
+          householdId: session.member.householdId,
+          actorIsAdmin: session.member.isAdmin,
+          memberId: payload.memberId
+        })
+
+        if (result.status === 'rejected') {
+          const status =
+            result.reason === 'member_not_found' ? 404 : result.reason === 'last_admin' ? 409 : 403
+          const error =
+            result.reason === 'member_not_found'
+              ? 'Member not found'
+              : result.reason === 'last_admin'
+                ? 'Cannot remove the last household admin'
+                : 'Admin access required'
+
+          return miniAppJsonResponse({ ok: false, error }, status, origin)
+        }
+
+        return miniAppJsonResponse(
+          {
+            ok: true,
+            authorized: true,
+            member: result.member
+          },
+          200,
+          origin
+        )
+      } catch (error) {
+        return miniAppErrorResponse(error, origin, options.logger)
+      }
+    }
+  }
+}
+
 export function createMiniAppUpdateOwnDisplayNameHandler(options: {
   allowedOrigins: readonly string[]
   botToken: string

apps/bot/src/miniapp-auth.test.ts

@@ -191,7 +191,8 @@ function onboardingRepository(): HouseholdConfigurationRepository {
       sortOrder: input.sortOrder,
       isActive: input.isActive
     }),
-    promoteHouseholdAdmin: async () => null
+    promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null
   }
 }
 

apps/bot/src/miniapp-billing.test.ts

@@ -137,6 +137,7 @@ function onboardingRepository(): HouseholdConfigurationRepository {
     updateMemberPreferredLocale: async () => null,
     updateHouseholdMemberDisplayName: async () => null,
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],

apps/bot/src/miniapp-billing.ts

@@ -486,6 +486,7 @@ async function readPaymentMutationPayload(request: Request): Promise<{
   kind?: 'rent' | 'utilities'
   amountMajor?: string
   currency?: string
+  period?: string
 }> {
   const parsed = await parseJsonBody<{
     initData?: string
@@ -494,6 +495,7 @@ async function readPaymentMutationPayload(request: Request): Promise<{
     kind?: 'rent' | 'utilities'
     amountMajor?: string
     currency?: string
+    period?: string
   }>(request)
   const initData = parsed.initData?.trim()
   if (!initData) {
@@ -526,6 +528,11 @@ async function readPaymentMutationPayload(request: Request): Promise<{
       ? {
           currency: parsed.currency.trim()
         }
+      : {}),
+    ...(parsed.period?.trim()
+      ? {
+          period: BillingPeriod.fromString(parsed.period.trim()).toString()
+        }
       : {})
   }
 }
@@ -1001,7 +1008,8 @@ export function createMiniAppSubmitPaymentHandler(options: {
           auth.member.id,
           payload.kind,
           payload.amountMajor,
-          payload.currency
+          payload.currency,
+          payload.period
         )
 
         if (!payment) {
@@ -1374,7 +1382,8 @@ export function createMiniAppAddPaymentHandler(options: {
           payload.memberId,
           payload.kind,
           payload.amountMajor,
-          payload.currency
+          payload.currency,
+          payload.period
         )
 
         if (!payment) {

apps/bot/src/miniapp-dashboard.test.ts

@@ -54,6 +54,7 @@ function repository(
         isAdmin: true
       }
     ],
+    listCycles: async () => [cycle],
     getOpenCycle: async () => cycle,
     getCycleByPeriod: async (period) => (period === cycle.period ? cycle : null),
     getLatestCycle: async () => cycle,
@@ -72,6 +73,8 @@ function repository(
     updateParsedPurchase: async () => null,
     addParsedPurchase: async (input) => ({
       id: 'purchase-new',
+      cycleId: input.cycleId,
+      cyclePeriod: null,
       payerMemberId: input.payerMemberId,
       amountMinor: input.amountMinor,
       currency: input.currency,
@@ -90,6 +93,8 @@ function repository(
     deleteUtilityBill: async () => false,
     addPaymentRecord: async (input) => ({
       id: 'payment-new',
+      cycleId: input.cycleId,
+      cyclePeriod: null,
       memberId: input.memberId,
       kind: input.kind,
       amountMinor: input.amountMinor,
@@ -97,6 +102,8 @@ function repository(
       recordedAt: input.recordedAt
     }),
     updatePaymentRecord: async () => null,
+    getPaymentRecord: async () => null,
+    replacePaymentPurchaseAllocations: async () => {},
     deletePaymentRecord: async () => false,
     getRentRuleForPeriod: async () => ({
       amountMinor: 70000n,
@@ -116,6 +123,8 @@ function repository(
     listPaymentRecordsForCycle: async () => [
       {
         id: 'payment-1',
+        cycleId: cycle.id,
+        cyclePeriod: cycle.period,
         memberId: member?.id ?? 'member-1',
         kind: 'rent',
         amountMinor: 50000n,
@@ -126,6 +135,8 @@ function repository(
     listParsedPurchasesForRange: async () => [
       {
         id: 'purchase-1',
+        cycleId: cycle.id,
+        cyclePeriod: cycle.period,
         payerMemberId: member?.id ?? 'member-1',
         amountMinor: 3000n,
         currency: 'GEL',
@@ -133,6 +144,19 @@ function repository(
         occurredAt: instantFromIso('2026-03-12T11:00:00.000Z')
       }
     ],
+    listParsedPurchases: async () => [
+      {
+        id: 'purchase-1',
+        cycleId: cycle.id,
+        cyclePeriod: cycle.period,
+        payerMemberId: member?.id ?? 'member-1',
+        amountMinor: 3000n,
+        currency: 'GEL',
+        description: 'Soap',
+        occurredAt: instantFromIso('2026-03-12T11:00:00.000Z')
+      }
+    ],
+    listPaymentPurchaseAllocations: async () => [],
     getSettlementSnapshotLines: async () => [],
     savePaymentConfirmation: async () =>
       ({
@@ -282,6 +306,7 @@ function onboardingRepository(): HouseholdConfigurationRepository {
       isActive: input.isActive
     }),
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],
@@ -364,6 +389,7 @@ describe('createMiniAppDashboardHandler', () => {
           {
             displayName: 'Stan',
             netDueMajor: '2010.00',
+            overduePayments: [],
             paidMajor: '500.00',
             remainingMajor: '1510.00',
             rentShareMajor: '1890.00',
@@ -408,6 +434,8 @@ describe('createMiniAppDashboardHandler', () => {
     financeRepository.listParsedPurchasesForRange = async () => [
       {
         id: 'purchase-1',
+        cycleId: 'cycle-1',
+        cyclePeriod: '2026-03',
         payerMemberId: 'member-1',
         amountMinor: 3000n,
         currency: 'GEL',
@@ -433,6 +461,11 @@ describe('createMiniAppDashboardHandler', () => {
         ]
       }
     ]
+    financeRepository.listParsedPurchases = async () =>
+      financeRepository.listParsedPurchasesForRange(
+        instantFromIso('2026-03-01T00:00:00.000Z'),
+        instantFromIso('2026-04-01T00:00:00.000Z')
+      )
     financeRepository.listMembers = async () => [
       {
         id: 'member-1',

apps/bot/src/miniapp-dashboard.ts

@@ -1,4 +1,5 @@
 import type { FinanceCommandService, HouseholdOnboardingService } from '@household/application'
+import { Money } from '@household/domain'
 import type { Logger } from '@household/observability'
 
 import {
@@ -113,6 +114,14 @@ export function createMiniAppDashboardHandler(options: {
                 netDueMajor: line.netDue.toMajorString(),
                 paidMajor: line.paid.toMajorString(),
                 remainingMajor: line.remaining.toMajorString(),
+                overduePayments: line.overduePayments.map((overdue) => ({
+                  kind: overdue.kind,
+                  amountMajor: Money.fromMinor(
+                    overdue.amountMinor,
+                    dashboard.currency
+                  ).toMajorString(),
+                  periods: overdue.periods
+                })),
                 explanations: line.explanations
               })),
               ledger: dashboard.ledger.map((entry) => ({
@@ -132,6 +141,14 @@ export function createMiniAppDashboardHandler(options: {
                 ...(entry.kind === 'purchase'
                   ? {
                       purchaseSplitMode: entry.purchaseSplitMode ?? 'equal',
+                      originPeriod: entry.originPeriod ?? null,
+                      resolutionStatus: entry.resolutionStatus ?? 'unresolved',
+                      resolvedAt: entry.resolvedAt ?? null,
+                      outstandingByMember:
+                        entry.outstandingByMember?.map((outstanding) => ({
+                          memberId: outstanding.memberId,
+                          amountMajor: outstanding.amount.toMajorString()
+                        })) ?? [],
                       purchaseParticipants:
                         entry.purchaseParticipants?.map((participant) => ({
                           memberId: participant.memberId,

apps/bot/src/miniapp-locale.test.ts

@@ -168,6 +168,7 @@ function repository(): HouseholdConfigurationRepository {
       isActive: input.isActive
     }),
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],

apps/bot/src/payment-topic-ingestion.test.ts

@@ -198,6 +198,7 @@ function createFinanceService(): FinanceCommandService {
           netDue: Money.fromMajor('500.50', 'GEL'),
           paid: Money.zero('GEL'),
           remaining: Money.fromMajor('500.50', 'GEL'),
+          overduePayments: [],
           explanations: []
         }
       ],

apps/bot/src/server.ts

@@ -62,6 +62,12 @@ export interface BotWebhookServerOptions {
         handler: (request: Request) => Promise<Response>
       }
     | undefined
+  miniAppDemoteMember?:
+    | {
+        path?: string
+        handler: (request: Request) => Promise<Response>
+      }
+    | undefined
   miniAppUpdateOwnDisplayName?:
     | {
         path?: string
@@ -234,6 +240,8 @@ export function createBotWebhookServer(options: BotWebhookServerOptions): {
     options.miniAppUpsertUtilityCategory?.path ?? '/api/miniapp/admin/utility-categories/upsert'
   const miniAppPromoteMemberPath =
     options.miniAppPromoteMember?.path ?? '/api/miniapp/admin/members/promote'
+  const miniAppDemoteMemberPath =
+    options.miniAppDemoteMember?.path ?? '/api/miniapp/admin/members/demote'
   const miniAppUpdateOwnDisplayNamePath =
     options.miniAppUpdateOwnDisplayName?.path ?? '/api/miniapp/member/display-name'
   const miniAppUpdateMemberDisplayNamePath =
@@ -328,6 +336,10 @@ export function createBotWebhookServer(options: BotWebhookServerOptions): {
         return await options.miniAppPromoteMember.handler(request)
       }
 
+      if (options.miniAppDemoteMember && url.pathname === miniAppDemoteMemberPath) {
+        return await options.miniAppDemoteMember.handler(request)
+      }
+
       if (options.miniAppUpdateOwnDisplayName && url.pathname === miniAppUpdateOwnDisplayNamePath) {
         return await options.miniAppUpdateOwnDisplayName.handler(request)
       }

apps/miniapp/src/components/layout/shell.tsx

@@ -20,10 +20,13 @@ export function AppShell(props: ParentProps) {
     effectiveIsAdmin,
     testingRolePreview,
     setTestingRolePreview,
+    demoScenario,
+    setDemoScenario,
     testingPeriodOverride,
     setTestingPeriodOverride,
     testingTodayOverride,
-    setTestingTodayOverride
+    setTestingTodayOverride,
+    applyDemoState
   } = useDashboard()
   const navigate = useNavigate()
 
@@ -38,6 +41,28 @@ export function AppShell(props: ParentProps) {
     return labels[status]
   }
 
+  function demoScenarioLabel(
+    id: 'current-cycle' | 'overdue-utilities' | 'overdue-rent-and-utilities'
+  ) {
+    const labels = {
+      'current-cycle': copy().testingScenarioCurrentCycle ?? '',
+      'overdue-utilities': copy().testingScenarioOverdueUtilities ?? '',
+      'overdue-rent-and-utilities': copy().testingScenarioOverdueBoth ?? ''
+    }
+    return labels[id]
+  }
+
+  function demoScenarioDescription(
+    id: 'current-cycle' | 'overdue-utilities' | 'overdue-rent-and-utilities'
+  ) {
+    const descriptions = {
+      'current-cycle': copy().testingScenarioCurrentCycleBody ?? '',
+      'overdue-utilities': copy().testingScenarioOverdueUtilitiesBody ?? '',
+      'overdue-rent-and-utilities': copy().testingScenarioOverdueBothBody ?? ''
+    }
+    return descriptions[id]
+  }
+
   let tapCount = 0
   let tapTimer: ReturnType<typeof setTimeout> | undefined
   function handleRoleChipTap() {
@@ -92,6 +117,9 @@ export function AppShell(props: ParentProps) {
           <Badge variant={readySession()?.mode === 'demo' ? 'accent' : 'default'}>
             {readySession()?.mode === 'demo' ? copy().demoBadge : copy().liveBadge}
           </Badge>
+          <Show when={readySession()?.mode === 'demo'}>
+            <Badge variant="muted">{demoScenarioLabel(demoScenario())}</Badge>
+          </Show>
           <Show
             when={readySession()?.member.isAdmin}
             fallback={
@@ -168,11 +196,47 @@ export function AppShell(props: ParentProps) {
               {copy().testingPreviewResidentAction ?? ''}
             </Button>
           </div>
+          <Show when={readySession()?.mode === 'demo'}>
+            <article class="testing-card__section testing-card__section--stack">
+              <span>{copy().testingScenarioLabel ?? ''}</span>
+              <div class="testing-card__section-content">
+                <strong>{demoScenarioLabel(demoScenario())}</strong>
+                <p class="testing-card__section-description">
+                  {demoScenarioDescription(demoScenario())}
+                </p>
+              </div>
+            </article>
+            <div class="testing-card__actions testing-card__actions--wrap">
+              <Button
+                variant={demoScenario() === 'current-cycle' ? 'primary' : 'secondary'}
+                onClick={() => setDemoScenario('current-cycle')}
+              >
+                {copy().testingScenarioCurrentCycle ?? ''}
+              </Button>
+              <Button
+                variant={demoScenario() === 'overdue-utilities' ? 'primary' : 'secondary'}
+                onClick={() => setDemoScenario('overdue-utilities')}
+              >
+                {copy().testingScenarioOverdueUtilities ?? ''}
+              </Button>
+              <Button
+                variant={demoScenario() === 'overdue-rent-and-utilities' ? 'primary' : 'secondary'}
+                onClick={() => setDemoScenario('overdue-rent-and-utilities')}
+              >
+                {copy().testingScenarioOverdueBoth ?? ''}
+              </Button>
+            </div>
+            <div class="modal-action-row">
+              <Button variant="ghost" onClick={() => applyDemoState()}>
+                {copy().testingResetDemoStateAction ?? ''}
+              </Button>
+            </div>
+          </Show>
           <article class="testing-card__section">
             <span>{copy().testingPeriodCurrentLabel ?? ''}</span>
             <strong>{dashboard()?.period ?? '—'}</strong>
           </article>
-          <div class="testing-card__actions" style={{ 'flex-direction': 'column', gap: '12px' }}>
+          <div class="testing-card__actions testing-card__actions--stack">
             <Field label={copy().testingPeriodOverrideLabel ?? ''} wide>
               <Input
                 placeholder={copy().testingPeriodOverridePlaceholder ?? ''}

apps/miniapp/src/contexts/dashboard-context.tsx

@@ -21,12 +21,7 @@ import type {
   MiniAppDashboard,
   MiniAppPendingMember
 } from '../miniapp-api'
-import {
+import { getDemoScenarioState, type DemoScenarioId } from '../demo/miniapp-demo'
-  demoAdminSettings,
-  demoCycleState,
-  demoDashboard,
-  demoPendingMembers
-} from '../demo/miniapp-demo'
 import { useSession } from './session-context'
 import { useI18n } from './i18n-context'
 
@@ -106,6 +101,8 @@ type DashboardContextValue = {
   memberUtilityBalanceVisuals: () => MemberBalanceItem[]
   testingRolePreview: () => TestingRolePreview | null
   setTestingRolePreview: (value: TestingRolePreview | null) => void
+  demoScenario: () => DemoScenarioId
+  setDemoScenario: (value: DemoScenarioId) => void
   testingPeriodOverride: () => string | null
   setTestingPeriodOverride: (value: string | null) => void
   testingTodayOverride: () => string | null
@@ -297,6 +294,7 @@ export function DashboardProvider(props: ParentProps) {
   const [cycleState, setCycleState] = createSignal<MiniAppAdminCycleState | null>(null)
   const [pendingMembers, setPendingMembers] = createSignal<readonly MiniAppPendingMember[]>([])
   const [testingRolePreview, setTestingRolePreview] = createSignal<TestingRolePreview | null>(null)
+  const [demoScenario, setDemoScenarioSignal] = createSignal<DemoScenarioId>('current-cycle')
   const [testingPeriodOverride, setTestingPeriodOverride] = createSignal<string | null>(null)
   const [testingTodayOverride, setTestingTodayOverride] = createSignal<string | null>(null)
 
@@ -393,10 +391,22 @@ export function DashboardProvider(props: ParentProps) {
   }
 
   function applyDemoState() {
-    setDashboard(demoDashboard)
+    const state = getDemoScenarioState(demoScenario())
-    setPendingMembers([...demoPendingMembers])
+    setDashboard(state.dashboard)
-    setAdminSettings(demoAdminSettings)
+    setPendingMembers(state.pendingMembers)
-    setCycleState(demoCycleState)
+    setAdminSettings(state.adminSettings)
+    setCycleState(state.cycleState)
+  }
+
+  function setDemoScenario(value: DemoScenarioId) {
+    setDemoScenarioSignal(value)
+    if (readySession()?.mode === 'demo') {
+      const state = getDemoScenarioState(value)
+      setDashboard(state.dashboard)
+      setPendingMembers(state.pendingMembers)
+      setAdminSettings(state.adminSettings)
+      setCycleState(state.cycleState)
+    }
   }
 
   return (
@@ -424,6 +434,8 @@ export function DashboardProvider(props: ParentProps) {
         memberUtilityBalanceVisuals,
         testingRolePreview,
         setTestingRolePreview,
+        demoScenario,
+        setDemoScenario,
         testingPeriodOverride,
         setTestingPeriodOverride,
         testingTodayOverride,

apps/miniapp/src/demo/miniapp-demo.ts

@@ -6,6 +6,15 @@ import type {
   MiniAppSession
 } from '../miniapp-api'
 
+export type DemoScenarioId = 'current-cycle' | 'overdue-utilities' | 'overdue-rent-and-utilities'
+
+type DemoScenarioState = {
+  dashboard: MiniAppDashboard
+  pendingMembers: readonly MiniAppPendingMember[]
+  adminSettings: MiniAppAdminSettingsPayload
+  cycleState: MiniAppAdminCycleState
+}
+
 export const demoMember: NonNullable<MiniAppSession['member']> = {
   id: 'demo-member',
   householdId: 'demo-household',
@@ -23,178 +32,26 @@ export const demoTelegramUser: NonNullable<MiniAppSession['telegramUser']> = {
   languageCode: 'en'
 }
 
-export const demoDashboard: MiniAppDashboard = {
+const rentPaymentDestinations = [
-  period: '2026-03',
+  {
-  currency: 'GEL',
+    label: 'Landlord TBC card',
-  timezone: 'Asia/Tbilisi',
+    recipientName: 'Nana Beridze',
-  rentWarningDay: 17,
+    bankName: 'TBC Bank',
-  rentDueDay: 20,
+    account: '1234 5678 9012 3456',
-  utilitiesReminderDay: 3,
+    note: 'Message: Kojori House rent',
-  utilitiesDueDay: 4,
+    link: null
-  paymentBalanceAdjustmentPolicy: 'utilities',
+  },
-  rentPaymentDestinations: [
+  {
-    {
+    label: 'USD fallback transfer',
-      label: 'TBC card',
+    recipientName: 'Nana Beridze',
-      recipientName: 'Landlord',
+    bankName: 'Bank of Georgia',
-      bankName: 'TBC Bank',
+    account: 'GE29BG0000000123456789',
-      account: '1234 5678 9012 3456',
+    note: 'Use only if GEL transfer is unavailable',
-      note: null,
+    link: 'https://bank.example/rent'
-      link: null
+  }
-    }
+] as const
-  ],
-  totalDueMajor: '2410.00',
-  totalPaidMajor: '650.00',
-  totalRemainingMajor: '1760.00',
-  rentSourceAmountMajor: '875.00',
-  rentSourceCurrency: 'USD',
-  rentDisplayAmountMajor: '2415.00',
-  rentFxRateMicros: '2760000',
-  rentFxEffectiveDate: '2026-03-17',
-  members: [
-    {
-      memberId: 'demo-member',
-      displayName: 'Stas',
-      predictedUtilityShareMajor: '78.00',
-      rentShareMajor: '603.75',
-      utilityShareMajor: '78.00',
-      purchaseOffsetMajor: '-66.00',
-      netDueMajor: '615.75',
-      paidMajor: '615.75',
-      remainingMajor: '0.00',
-      explanations: ['Weighted rent share', 'Custom purchase split credit']
-    },
-    {
-      memberId: 'member-chorb',
-      displayName: 'Chorbanaut',
-      predictedUtilityShareMajor: '78.00',
-      rentShareMajor: '603.75',
-      utilityShareMajor: '78.00',
-      purchaseOffsetMajor: '12.00',
-      netDueMajor: '693.75',
-      paidMajor: '0.00',
-      remainingMajor: '693.75',
-      explanations: ['Standard resident share']
-    },
-    {
-      memberId: 'member-el',
-      displayName: 'El',
-      predictedUtilityShareMajor: '0.00',
-      rentShareMajor: '1207.50',
-      utilityShareMajor: '0.00',
-      purchaseOffsetMajor: '54.00',
-      netDueMajor: '1261.50',
-      paidMajor: '34.25',
-      remainingMajor: '1227.25',
-      explanations: ['Away policy applied to utilities']
-    }
-  ],
-  ledger: [
-    {
-      id: 'purchase-1',
-      kind: 'purchase',
-      title: 'Bought kitchen towels',
-      memberId: 'demo-member',
-      paymentKind: null,
-      amountMajor: '24.00',
-      currency: 'GEL',
-      displayAmountMajor: '24.00',
-      displayCurrency: 'GEL',
-      fxRateMicros: null,
-      fxEffectiveDate: null,
-      actorDisplayName: 'Stas',
-      occurredAt: '2026-03-04T11:00:00.000Z',
-      purchaseSplitMode: 'equal',
-      purchaseParticipants: [
-        { memberId: 'demo-member', included: true, shareAmountMajor: null },
-        { memberId: 'member-chorb', included: true, shareAmountMajor: null },
-        { memberId: 'member-el', included: false, shareAmountMajor: null }
-      ]
-    },
-    {
-      id: 'purchase-2',
-      kind: 'purchase',
-      title: 'Electric kettle',
-      memberId: 'member-chorb',
-      paymentKind: null,
-      amountMajor: '96.00',
-      currency: 'GEL',
-      displayAmountMajor: '96.00',
-      displayCurrency: 'GEL',
-      fxRateMicros: null,
-      fxEffectiveDate: null,
-      actorDisplayName: 'Chorbanaut',
-      occurredAt: '2026-03-08T16:20:00.000Z',
-      purchaseSplitMode: 'custom_amounts',
-      purchaseParticipants: [
-        { memberId: 'demo-member', included: true, shareAmountMajor: '42.00' },
-        { memberId: 'member-chorb', included: true, shareAmountMajor: '24.00' },
-        { memberId: 'member-el', included: true, shareAmountMajor: '30.00' }
-      ]
-    },
-    {
-      id: 'utility-1',
-      kind: 'utility',
-      title: 'Electricity',
-      memberId: null,
-      paymentKind: null,
-      amountMajor: '154.00',
-      currency: 'GEL',
-      displayAmountMajor: '154.00',
-      displayCurrency: 'GEL',
-      fxRateMicros: null,
-      fxEffectiveDate: null,
-      actorDisplayName: 'Stas',
-      occurredAt: '2026-03-09T12:00:00.000Z'
-    },
-    {
-      id: 'utility-2',
-      kind: 'utility',
-      title: 'Internet',
-      memberId: null,
-      paymentKind: null,
-      amountMajor: '80.00',
-      currency: 'GEL',
-      displayAmountMajor: '80.00',
-      displayCurrency: 'GEL',
-      fxRateMicros: null,
-      fxEffectiveDate: null,
-      actorDisplayName: 'Stas',
-      occurredAt: '2026-03-10T10:30:00.000Z'
-    },
-    {
-      id: 'payment-1',
-      kind: 'payment',
-      title: 'rent',
-      memberId: 'demo-member',
-      paymentKind: 'rent',
-      amountMajor: '615.75',
-      currency: 'GEL',
-      displayAmountMajor: '615.75',
-      displayCurrency: 'GEL',
-      fxRateMicros: null,
-      fxEffectiveDate: null,
-      actorDisplayName: 'Stas',
-      occurredAt: '2026-03-11T18:10:00.000Z'
-    },
-    {
-      id: 'payment-2',
-      kind: 'payment',
-      title: 'utilities',
-      memberId: 'member-el',
-      paymentKind: 'utilities',
-      amountMajor: '34.25',
-      currency: 'GEL',
-      displayAmountMajor: '34.25',
-      displayCurrency: 'GEL',
-      fxRateMicros: null,
-      fxEffectiveDate: null,
-      actorDisplayName: 'El',
-      occurredAt: '2026-03-13T09:00:00.000Z'
-    }
-  ]
-}
 
-export const demoPendingMembers: readonly MiniAppPendingMember[] = [
+const pendingMembers: readonly MiniAppPendingMember[] = [
   {
     telegramUserId: '555777',
     displayName: 'Mia',
@@ -206,10 +63,16 @@ export const demoPendingMembers: readonly MiniAppPendingMember[] = [
     displayName: 'Dima',
     username: 'dima',
     languageCode: 'en'
+  },
+  {
+    telegramUserId: '888111',
+    displayName: 'Nika',
+    username: 'nika_forest',
+    languageCode: 'en'
   }
 ]
 
-export const demoAdminSettings: MiniAppAdminSettingsPayload = {
+const adminSettings: MiniAppAdminSettingsPayload = {
   householdName: 'Kojori House',
   settings: {
     householdId: 'demo-household',
@@ -222,11 +85,12 @@ export const demoAdminSettings: MiniAppAdminSettingsPayload = {
     utilitiesDueDay: 4,
     utilitiesReminderDay: 3,
     timezone: 'Asia/Tbilisi',
-    rentPaymentDestinations: demoDashboard.rentPaymentDestinations
+    rentPaymentDestinations
   },
   assistantConfig: {
     householdId: 'demo-household',
-    assistantContext: 'The household is a house in Kojori with a backyard and pine forest nearby.',
+    assistantContext:
+      'The household is a large shared house in Kojori with a backyard, a guest room, and a long-running purchase ledger.',
     assistantTone: 'Playful but concise'
   },
   topics: [
@@ -252,12 +116,20 @@ export const demoAdminSettings: MiniAppAdminSettingsPayload = {
       sortOrder: 1,
       isActive: true
     },
+    {
+      id: 'cat-water',
+      householdId: 'demo-household',
+      slug: 'water',
+      name: 'Water',
+      sortOrder: 2,
+      isActive: true
+    },
     {
       id: 'cat-gas',
       householdId: 'demo-household',
       slug: 'gas',
       name: 'Gas',
-      sortOrder: 2,
+      sortOrder: 3,
       isActive: false
     }
   ],
@@ -281,7 +153,7 @@ export const demoAdminSettings: MiniAppAdminSettingsPayload = {
   ]
 }
 
-export const demoCycleState: MiniAppAdminCycleState = {
+const cycleState: MiniAppAdminCycleState = {
   cycle: {
     id: 'cycle-demo-2026-03',
     period: '2026-03',
@@ -295,10 +167,10 @@ export const demoCycleState: MiniAppAdminCycleState = {
     {
       id: 'utility-bill-1',
       billName: 'Electricity',
-      amountMinor: '15400',
+      amountMinor: '16400',
       currency: 'GEL',
       createdByMemberId: 'demo-member',
-      createdAt: '2026-03-09T12:00:00.000Z'
+      createdAt: '2026-03-02T09:15:00.000Z'
     },
     {
       id: 'utility-bill-2',
@@ -306,7 +178,487 @@ export const demoCycleState: MiniAppAdminCycleState = {
       amountMinor: '8000',
       currency: 'GEL',
       createdByMemberId: 'demo-member',
-      createdAt: '2026-03-10T10:30:00.000Z'
+      createdAt: '2026-03-03T10:30:00.000Z'
+    },
+    {
+      id: 'utility-bill-3',
+      billName: 'Water',
+      amountMinor: '4200',
+      currency: 'GEL',
+      createdByMemberId: 'member-chorb',
+      createdAt: '2026-03-03T12:45:00.000Z'
     }
   ]
 }
+
+function baseLedger(): MiniAppDashboard['ledger'] {
+  return [
+    {
+      id: 'purchase-resolved-1',
+      kind: 'purchase',
+      title: 'Bulk cleaning supplies',
+      memberId: 'demo-member',
+      paymentKind: null,
+      amountMajor: '72.00',
+      currency: 'GEL',
+      displayAmountMajor: '72.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Stas',
+      occurredAt: '2026-01-28T18:30:00.000Z',
+      originPeriod: '2026-01',
+      resolutionStatus: 'resolved',
+      resolvedAt: '2026-02-04T09:10:00.000Z',
+      outstandingByMember: [],
+      payerMemberId: 'demo-member',
+      purchaseSplitMode: 'equal',
+      purchaseParticipants: [
+        { memberId: 'demo-member', included: true, shareAmountMajor: null },
+        { memberId: 'member-chorb', included: true, shareAmountMajor: null },
+        { memberId: 'member-el', included: true, shareAmountMajor: null }
+      ]
+    },
+    {
+      id: 'purchase-unresolved-1',
+      kind: 'purchase',
+      title: 'Gas heater refill',
+      memberId: 'member-chorb',
+      paymentKind: null,
+      amountMajor: '54.00',
+      currency: 'GEL',
+      displayAmountMajor: '54.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Chorbanaut',
+      occurredAt: '2026-02-17T20:15:00.000Z',
+      originPeriod: '2026-02',
+      resolutionStatus: 'unresolved',
+      resolvedAt: null,
+      outstandingByMember: [
+        { memberId: 'demo-member', amountMajor: '18.00' },
+        { memberId: 'member-el', amountMajor: '18.00' }
+      ],
+      payerMemberId: 'member-chorb',
+      purchaseSplitMode: 'equal',
+      purchaseParticipants: [
+        { memberId: 'demo-member', included: true, shareAmountMajor: null },
+        { memberId: 'member-chorb', included: true, shareAmountMajor: null },
+        { memberId: 'member-el', included: true, shareAmountMajor: null }
+      ]
+    },
+    {
+      id: 'purchase-unresolved-2',
+      kind: 'purchase',
+      title: 'Water filter cartridges',
+      memberId: 'demo-member',
+      paymentKind: null,
+      amountMajor: '96.00',
+      currency: 'GEL',
+      displayAmountMajor: '96.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Stas',
+      occurredAt: '2026-03-03T19:00:00.000Z',
+      originPeriod: '2026-03',
+      resolutionStatus: 'unresolved',
+      resolvedAt: null,
+      outstandingByMember: [
+        { memberId: 'member-chorb', amountMajor: '24.00' },
+        { memberId: 'member-el', amountMajor: '34.00' }
+      ],
+      payerMemberId: 'demo-member',
+      purchaseSplitMode: 'custom_amounts',
+      purchaseParticipants: [
+        { memberId: 'demo-member', included: true, shareAmountMajor: '38.00' },
+        { memberId: 'member-chorb', included: true, shareAmountMajor: '24.00' },
+        { memberId: 'member-el', included: true, shareAmountMajor: '34.00' }
+      ]
+    },
+    {
+      id: 'utility-1',
+      kind: 'utility',
+      title: 'Electricity',
+      memberId: null,
+      paymentKind: null,
+      amountMajor: '164.00',
+      currency: 'GEL',
+      displayAmountMajor: '164.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Stas',
+      occurredAt: '2026-03-02T09:15:00.000Z'
+    },
+    {
+      id: 'utility-2',
+      kind: 'utility',
+      title: 'Internet',
+      memberId: null,
+      paymentKind: null,
+      amountMajor: '80.00',
+      currency: 'GEL',
+      displayAmountMajor: '80.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Stas',
+      occurredAt: '2026-03-03T10:30:00.000Z'
+    },
+    {
+      id: 'utility-3',
+      kind: 'utility',
+      title: 'Water',
+      memberId: null,
+      paymentKind: null,
+      amountMajor: '42.00',
+      currency: 'GEL',
+      displayAmountMajor: '42.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Chorbanaut',
+      occurredAt: '2026-03-03T12:45:00.000Z'
+    },
+    {
+      id: 'payment-rent-demo',
+      kind: 'payment',
+      title: 'rent',
+      memberId: 'demo-member',
+      paymentKind: 'rent',
+      amountMajor: '603.75',
+      currency: 'GEL',
+      displayAmountMajor: '603.75',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Stas',
+      occurredAt: '2026-03-18T18:10:00.000Z'
+    },
+    {
+      id: 'payment-utilities-demo',
+      kind: 'payment',
+      title: 'utilities',
+      memberId: 'demo-member',
+      paymentKind: 'utilities',
+      amountMajor: '58.00',
+      currency: 'GEL',
+      displayAmountMajor: '58.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'Stas',
+      occurredAt: '2026-03-04T20:00:00.000Z'
+    },
+    {
+      id: 'payment-rent-el',
+      kind: 'payment',
+      title: 'rent',
+      memberId: 'member-el',
+      paymentKind: 'rent',
+      amountMajor: '377.00',
+      currency: 'GEL',
+      displayAmountMajor: '377.00',
+      displayCurrency: 'GEL',
+      fxRateMicros: null,
+      fxEffectiveDate: null,
+      actorDisplayName: 'El',
+      occurredAt: '2026-03-21T08:20:00.000Z'
+    }
+  ]
+}
+
+function createDashboard(state: {
+  totalDueMajor: string
+  totalPaidMajor: string
+  totalRemainingMajor: string
+  members: MiniAppDashboard['members']
+  ledger?: MiniAppDashboard['ledger']
+}): MiniAppDashboard {
+  return {
+    period: '2026-03',
+    currency: 'GEL',
+    timezone: 'Asia/Tbilisi',
+    rentWarningDay: 17,
+    rentDueDay: 20,
+    utilitiesReminderDay: 3,
+    utilitiesDueDay: 4,
+    paymentBalanceAdjustmentPolicy: 'utilities',
+    rentPaymentDestinations,
+    totalDueMajor: state.totalDueMajor,
+    totalPaidMajor: state.totalPaidMajor,
+    totalRemainingMajor: state.totalRemainingMajor,
+    rentSourceAmountMajor: '875.00',
+    rentSourceCurrency: 'USD',
+    rentDisplayAmountMajor: '2415.00',
+    rentFxRateMicros: '2760000',
+    rentFxEffectiveDate: '2026-03-17',
+    members: state.members,
+    ledger: state.ledger ?? baseLedger()
+  }
+}
+
+const demoScenarioCatalog: Record<DemoScenarioId, DemoScenarioState> = {
+  'current-cycle': {
+    dashboard: createDashboard({
+      totalDueMajor: '2571.00',
+      totalPaidMajor: '1288.75',
+      totalRemainingMajor: '1282.25',
+      members: [
+        {
+          memberId: 'demo-member',
+          displayName: 'Stas',
+          predictedUtilityShareMajor: '95.33',
+          rentShareMajor: '603.75',
+          utilityShareMajor: '95.33',
+          purchaseOffsetMajor: '-37.33',
+          netDueMajor: '661.75',
+          paidMajor: '661.75',
+          remainingMajor: '0.00',
+          overduePayments: [],
+          explanations: [
+            'Weighted rent share',
+            'Utilities reflect three posted bills',
+            'Purchase credit from January supplies and March water filters'
+          ]
+        },
+        {
+          memberId: 'member-chorb',
+          displayName: 'Chorbanaut',
+          predictedUtilityShareMajor: '95.33',
+          rentShareMajor: '603.75',
+          utilityShareMajor: '95.33',
+          purchaseOffsetMajor: '44.67',
+          netDueMajor: '743.75',
+          paidMajor: '250.00',
+          remainingMajor: '493.75',
+          overduePayments: [],
+          explanations: [
+            'Standard resident share',
+            'Still owes current-cycle utilities and purchases'
+          ]
+        },
+        {
+          memberId: 'member-el',
+          displayName: 'El',
+          predictedUtilityShareMajor: '0.00',
+          rentShareMajor: '1207.50',
+          utilityShareMajor: '0.00',
+          purchaseOffsetMajor: '-42.00',
+          netDueMajor: '1165.50',
+          paidMajor: '377.00',
+          remainingMajor: '788.50',
+          overduePayments: [],
+          explanations: ['Away policy applied to utilities', 'Purchase credit offsets part of rent']
+        }
+      ]
+    }),
+    pendingMembers,
+    adminSettings,
+    cycleState
+  },
+  'overdue-utilities': {
+    dashboard: createDashboard({
+      totalDueMajor: '2623.00',
+      totalPaidMajor: '783.75',
+      totalRemainingMajor: '1839.25',
+      members: [
+        {
+          memberId: 'demo-member',
+          displayName: 'Stas',
+          predictedUtilityShareMajor: '104.00',
+          rentShareMajor: '603.75',
+          utilityShareMajor: '104.00',
+          purchaseOffsetMajor: '18.00',
+          netDueMajor: '725.75',
+          paidMajor: '603.75',
+          remainingMajor: '122.00',
+          overduePayments: [
+            {
+              kind: 'utilities',
+              amountMajor: '182.00',
+              periods: ['2026-01', '2026-02']
+            }
+          ],
+          explanations: [
+            'Current rent is paid',
+            'Utilities remain overdue from two prior periods',
+            'Purchase carry-over stays separate from overdue closure'
+          ]
+        },
+        {
+          memberId: 'member-chorb',
+          displayName: 'Chorbanaut',
+          predictedUtilityShareMajor: '104.00',
+          rentShareMajor: '603.75',
+          utilityShareMajor: '104.00',
+          purchaseOffsetMajor: '12.00',
+          netDueMajor: '719.75',
+          paidMajor: '180.00',
+          remainingMajor: '539.75',
+          overduePayments: [
+            {
+              kind: 'utilities',
+              amountMajor: '91.00',
+              periods: ['2026-02']
+            }
+          ],
+          explanations: ['Partial utilities payment recorded this month']
+        },
+        {
+          memberId: 'member-el',
+          displayName: 'El',
+          predictedUtilityShareMajor: '0.00',
+          rentShareMajor: '1207.50',
+          utilityShareMajor: '0.00',
+          purchaseOffsetMajor: '-30.00',
+          netDueMajor: '1177.50',
+          paidMajor: '0.00',
+          remainingMajor: '1177.50',
+          overduePayments: [],
+          explanations: [
+            'Away policy applied to utilities',
+            'No overdue utility base because away policy removed the share'
+          ]
+        }
+      ],
+      ledger: [
+        ...baseLedger(),
+        {
+          id: 'payment-overdue-utilities-jan',
+          kind: 'payment',
+          title: 'utilities',
+          memberId: 'member-chorb',
+          paymentKind: 'utilities',
+          amountMajor: '52.00',
+          currency: 'GEL',
+          displayAmountMajor: '52.00',
+          displayCurrency: 'GEL',
+          fxRateMicros: null,
+          fxEffectiveDate: null,
+          actorDisplayName: 'Chorbanaut',
+          occurredAt: '2026-02-07T21:10:00.000Z'
+        }
+      ]
+    }),
+    pendingMembers,
+    adminSettings,
+    cycleState
+  },
+  'overdue-rent-and-utilities': {
+    dashboard: createDashboard({
+      totalDueMajor: '2629.00',
+      totalPaidMajor: '200.00',
+      totalRemainingMajor: '2429.00',
+      members: [
+        {
+          memberId: 'demo-member',
+          displayName: 'Stas',
+          predictedUtilityShareMajor: '88.00',
+          rentShareMajor: '603.75',
+          utilityShareMajor: '88.00',
+          purchaseOffsetMajor: '14.00',
+          netDueMajor: '705.75',
+          paidMajor: '0.00',
+          remainingMajor: '705.75',
+          overduePayments: [
+            {
+              kind: 'rent',
+              amountMajor: '603.75',
+              periods: ['2026-02']
+            },
+            {
+              kind: 'utilities',
+              amountMajor: '166.00',
+              periods: ['2026-01', '2026-02']
+            }
+          ],
+          explanations: [
+            'Both rent and utilities are overdue',
+            'Current-cycle purchases remain visible but do not keep overdue open'
+          ]
+        },
+        {
+          memberId: 'member-chorb',
+          displayName: 'Chorbanaut',
+          predictedUtilityShareMajor: '88.00',
+          rentShareMajor: '603.75',
+          utilityShareMajor: '88.00',
+          purchaseOffsetMajor: '36.00',
+          netDueMajor: '727.75',
+          paidMajor: '0.00',
+          remainingMajor: '727.75',
+          overduePayments: [
+            {
+              kind: 'rent',
+              amountMajor: '603.75',
+              periods: ['2026-02']
+            },
+            {
+              kind: 'utilities',
+              amountMajor: '88.00',
+              periods: ['2026-02']
+            }
+          ],
+          explanations: ['No backfilled payments have been entered yet']
+        },
+        {
+          memberId: 'member-el',
+          displayName: 'El',
+          predictedUtilityShareMajor: '0.00',
+          rentShareMajor: '1207.50',
+          utilityShareMajor: '0.00',
+          purchaseOffsetMajor: '-12.00',
+          netDueMajor: '1195.50',
+          paidMajor: '200.00',
+          remainingMajor: '995.50',
+          overduePayments: [
+            {
+              kind: 'rent',
+              amountMajor: '1207.50',
+              periods: ['2026-02']
+            }
+          ],
+          explanations: [
+            'Away policy still charges rent',
+            'One partial rent payment was entered late'
+          ]
+        }
+      ],
+      ledger: [
+        ...baseLedger(),
+        {
+          id: 'payment-overdue-rent-el',
+          kind: 'payment',
+          title: 'rent',
+          memberId: 'member-el',
+          paymentKind: 'rent',
+          amountMajor: '200.00',
+          currency: 'GEL',
+          displayAmountMajor: '200.00',
+          displayCurrency: 'GEL',
+          fxRateMicros: null,
+          fxEffectiveDate: null,
+          actorDisplayName: 'El',
+          occurredAt: '2026-02-23T14:40:00.000Z'
+        }
+      ]
+    }),
+    pendingMembers,
+    adminSettings,
+    cycleState
+  }
+}
+
+export function getDemoScenarioState(id: DemoScenarioId): DemoScenarioState {
+  return structuredClone(demoScenarioCatalog[id])
+}
+
+const defaultScenarioState = getDemoScenarioState('current-cycle')
+
+export const demoDashboard = defaultScenarioState.dashboard
+export const demoPendingMembers = defaultScenarioState.pendingMembers
+export const demoAdminSettings = defaultScenarioState.adminSettings
+export const demoCycleState = defaultScenarioState.cycleState

apps/miniapp/src/i18n.ts

@@ -67,6 +67,9 @@ export const dictionary = {
     homeUtilitiesTitle: 'Utilities payment',
     homeRentTitle: 'Rent payment',
     homeNoPaymentTitle: 'No payment period',
+    homeOverdueRentTitle: 'Overdue rent',
+    homeOverdueUtilitiesTitle: 'Overdue utilities',
+    homeOverduePeriodsLabel: 'Overdue periods: {periods}',
     homeUtilitiesUpcomingLabel: 'Utilities starts {date}',
     homeRentUpcomingLabel: 'Rent starts {date}',
     homeFillUtilitiesTitle: 'Fill utilities',
@@ -139,7 +142,7 @@ export const dictionary = {
     shareRent: 'Rent',
     shareUtilities: 'Utilities',
     shareOffset: 'Shared buys',
-    rentFxTitle: 'House rent FX',
+    rentFxTitle: 'Rent exchange rate',
     sourceAmountLabel: 'Source',
     settlementAmountLabel: 'Settlement',
     fxEffectiveDateLabel: 'Locked',
@@ -158,6 +161,17 @@ export const dictionary = {
     testingPreviewResidentAction: 'Preview resident',
     testingCurrentRoleLabel: 'Real access',
     testingPreviewRoleLabel: 'Previewing',
+    testingScenarioLabel: 'Demo scenario',
+    testingScenarioCurrentCycle: 'Current cycle',
+    testingScenarioCurrentCycleBody:
+      'Balanced current-period data with resolved and unresolved purchases, current utility bills, and partial payments from other members.',
+    testingScenarioOverdueUtilities: 'Overdue utilities',
+    testingScenarioOverdueUtilitiesBody:
+      'Shows utility overdue cards, current-cycle utility debt, and purchase carry-over that should survive after overdue closes.',
+    testingScenarioOverdueBoth: 'Overdue rent + utilities',
+    testingScenarioOverdueBothBody:
+      'Shows both overdue cards at once so you can test oldest-first payment routing and admin backfill flows.',
+    testingResetDemoStateAction: 'Reset demo state',
     testingPeriodCurrentLabel: 'Dashboard period',
     testingPeriodOverrideLabel: 'Period override',
     testingPeriodOverridePlaceholder: 'YYYY-MM',
@@ -184,6 +198,8 @@ export const dictionary = {
     copiedToast: 'Copied!',
     quickPaymentTitle: 'Record payment',
     quickPaymentBody: 'Quickly record a {type} payment for the current cycle.',
+    quickPaymentCurrentBody: 'Quickly record a {type} payment for the current cycle.',
+    quickPaymentOverdueBody: 'Quickly record a {type} payment for overdue periods.',
     quickPaymentAmountLabel: 'Amount',
     quickPaymentCurrencyLabel: 'Currency',
     quickPaymentSubmitAction: 'Save payment',
@@ -202,6 +218,10 @@ export const dictionary = {
     purchaseSaveAction: 'Save purchase',
     purchaseBalanceAction: 'Balance',
     purchaseRebalanceAction: 'Rebalance',
+    unresolvedPurchasesTitle: 'Outstanding purchases',
+    resolvedPurchasesTitle: 'Settled purchases',
+    unresolvedPurchasesEmpty: 'No unresolved purchases.',
+    resolvedPurchasesEmpty: 'No resolved purchases yet.',
     purchaseDeleteAction: 'Delete',
     deletingPurchase: 'Deleting purchase…',
     savingPurchase: 'Saving purchase…',
@@ -320,6 +340,9 @@ export const dictionary = {
     saveDisplayName: 'Save name',
     savingDisplayName: 'Saving name…',
     memberStatusLabel: 'Member status',
+    memberRoleLabel: 'Role',
+    memberRoleResident: 'Resident',
+    memberRoleAdmin: 'Admin',
     saveMemberStatusAction: 'Save status',
     savingMemberStatus: 'Saving status…',
     memberStatusActive: 'Active',
@@ -341,6 +364,8 @@ export const dictionary = {
     promoteAdminAction: 'Promote to admin',
     promoteAdminLabel: 'Admin access',
     promotingAdmin: 'Promoting…',
+    demoteAdminAction: 'Remove admin access',
+    demotingAdmin: 'Removing…',
     residentHouseTitle: 'Household access',
     residentHouseBody:
       'Your admins manage household settings and approvals here. You can still switch your own language above.',
@@ -422,6 +447,9 @@ export const dictionary = {
     homeUtilitiesTitle: 'Оплата коммуналки',
     homeRentTitle: 'Оплата аренды',
     homeNoPaymentTitle: 'Период без оплаты',
+    homeOverdueRentTitle: 'Просроченная аренда',
+    homeOverdueUtilitiesTitle: 'Просроченная коммуналка',
+    homeOverduePeriodsLabel: 'Просроченные периоды: {periods}',
     homeUtilitiesUpcomingLabel: 'Коммуналка с {date}',
     homeRentUpcomingLabel: 'Аренда с {date}',
     homeFillUtilitiesTitle: 'Внести коммуналку',
@@ -494,7 +522,7 @@ export const dictionary = {
     shareRent: 'Аренда',
     shareUtilities: 'Коммуналка',
     shareOffset: 'Общие покупки',
-    rentFxTitle: 'FX по аренде дома',
+    rentFxTitle: 'Курс для аренды',
     sourceAmountLabel: 'Исходник',
     settlementAmountLabel: 'Расчёт',
     fxEffectiveDateLabel: 'Зафиксировано',
@@ -513,6 +541,17 @@ export const dictionary = {
     testingPreviewResidentAction: 'Вид жителя',
     testingCurrentRoleLabel: 'Реальный доступ',
     testingPreviewRoleLabel: 'Сейчас показан',
+    testingScenarioLabel: 'Демо-сценарий',
+    testingScenarioCurrentCycle: 'Текущий цикл',
+    testingScenarioCurrentCycleBody:
+      'Сбалансированный текущий период: есть закрытые и незакрытые покупки, актуальные коммунальные счета и частичные оплаты от других участников.',
+    testingScenarioOverdueUtilities: 'Просроченная коммуналка',
+    testingScenarioOverdueUtilitiesBody:
+      'Показывает карточку просроченной коммуналки, долг текущего цикла и перенос покупок, который должен остаться после закрытия просрочки.',
+    testingScenarioOverdueBoth: 'Просрочены аренда и коммуналка',
+    testingScenarioOverdueBothBody:
+      'Показывает обе просроченные карточки сразу, чтобы можно было проверить oldest-first распределение оплат и админский ввод задним числом.',
+    testingResetDemoStateAction: 'Сбросить демо-данные',
     testingPeriodCurrentLabel: 'Период (из API)',
     testingPeriodOverrideLabel: 'Переопределить период',
     testingPeriodOverridePlaceholder: 'YYYY-MM',
@@ -541,6 +580,8 @@ export const dictionary = {
     copiedToast: 'Скопировано!',
     quickPaymentTitle: 'Записать оплату',
     quickPaymentBody: 'Быстро запиши оплату {type} за текущий цикл.',
+    quickPaymentCurrentBody: 'Быстро запиши оплату {type} за текущий цикл.',
+    quickPaymentOverdueBody: 'Быстро запиши оплату {type} за просроченные периоды.',
     quickPaymentAmountLabel: 'Сумма',
     quickPaymentCurrencyLabel: 'Валюта',
     quickPaymentSubmitAction: 'Сохранить оплату',
@@ -559,6 +600,10 @@ export const dictionary = {
     purchaseSaveAction: 'Сохранить покупку',
     purchaseBalanceAction: 'Сбалансировать',
     purchaseRebalanceAction: 'Перераспределить',
+    unresolvedPurchasesTitle: 'Незакрытые покупки',
+    resolvedPurchasesTitle: 'Закрытые покупки',
+    unresolvedPurchasesEmpty: 'Незакрытых покупок нет.',
+    resolvedPurchasesEmpty: 'Закрытых покупок пока нет.',
     purchaseDeleteAction: 'Удалить',
     deletingPurchase: 'Удаляем покупку…',
     savingPurchase: 'Сохраняем покупку…',
@@ -678,6 +723,9 @@ export const dictionary = {
     saveDisplayName: 'Сохранить имя',
     savingDisplayName: 'Сохраняем имя…',
     memberStatusLabel: 'Статус участника',
+    memberRoleLabel: 'Роль',
+    memberRoleResident: 'Житель',
+    memberRoleAdmin: 'Админ',
     saveMemberStatusAction: 'Сохранить статус',
     savingMemberStatus: 'Сохраняем статус…',
     memberStatusActive: 'Активный',
@@ -699,6 +747,8 @@ export const dictionary = {
     promoteAdminAction: 'Сделать админом',
     promoteAdminLabel: 'Доступ админа',
     promotingAdmin: 'Повышаем…',
+    demoteAdminAction: 'Убрать доступ админа',
+    demotingAdmin: 'Убираем…',
     residentHouseTitle: 'Доступ к дому',
     residentHouseBody:
       'Настройками дома и подтверждением заявок управляют админы. Свой язык можно менять переключателем выше.',

apps/miniapp/src/index.css

@@ -58,6 +58,13 @@ a {
   border-width: 0;
 }
 
+.ui-icon {
+  width: 18px;
+  height: 18px;
+  display: block;
+  flex-shrink: 0;
+}
+
 .empty-state {
   color: var(--text-muted);
   font-size: var(--text-sm);
@@ -822,9 +829,9 @@ a {
 }
 
 .modal-sheet {
-  width: 100%;
+  width: min(100%, 480px);
   max-width: 480px;
-  max-height: 85dvh;
+  max-height: min(92dvh, 900px);
   background: var(--bg-surface);
   border: 1px solid var(--border);
   border-radius: var(--radius-xl) var(--radius-xl) 0 0;
@@ -848,6 +855,7 @@ a {
   display: flex;
   justify-content: space-between;
   align-items: flex-start;
+  gap: var(--spacing-md);
   padding: var(--spacing-xl) var(--spacing-xl) var(--spacing-md);
   position: sticky;
   top: 0;
@@ -869,6 +877,17 @@ a {
 
 .modal-close-button {
   flex-shrink: 0;
+  width: 40px;
+  min-width: 40px;
+  min-height: 40px;
+  color: var(--text-primary);
+  background: var(--bg-root);
+  border-color: var(--border);
+}
+
+.modal-close-button:hover:not(:disabled) {
+  background: var(--bg-elevated);
+  border-color: var(--border-hover);
 }
 
 .modal-sheet__body {
@@ -887,6 +906,7 @@ a {
   display: flex;
   gap: var(--spacing-sm);
   justify-content: flex-end;
+  flex-wrap: wrap;
 }
 
 .modal-action-row--single {
@@ -1677,6 +1697,8 @@ a {
   display: flex;
   justify-content: space-between;
   align-items: center;
+  gap: var(--spacing-sm);
+  flex-wrap: wrap;
   padding: var(--spacing-sm);
   background: var(--bg-root);
   border-radius: var(--radius-sm);
@@ -1687,11 +1709,67 @@ a {
   color: var(--text-muted);
 }
 
+.testing-card__section strong {
+  margin-left: auto;
+  text-align: right;
+}
+
+.testing-card__section--stack {
+  align-items: flex-start;
+}
+
+.testing-card__section--stack strong {
+  margin-left: 0;
+  text-align: left;
+}
+
+.testing-card__section-content {
+  flex: 1 1 220px;
+  min-width: 0;
+}
+
+.testing-card__section-description {
+  margin-top: 4px;
+  color: var(--text-secondary);
+  line-height: 1.45;
+}
+
 .testing-card__actions {
   display: flex;
   gap: var(--spacing-sm);
 }
 
+.testing-card__actions--wrap {
+  flex-wrap: wrap;
+}
+
+.testing-card__actions--wrap .ui-button {
+  flex: 1 1 160px;
+}
+
+.testing-card__actions--stack {
+  flex-direction: column;
+  gap: 12px;
+}
+
+@media (max-width: 480px) {
+  .modal-sheet {
+    width: calc(100% - 16px);
+  }
+
+  .modal-sheet__header,
+  .modal-sheet__body,
+  .modal-sheet__footer {
+    padding-left: var(--spacing-lg);
+    padding-right: var(--spacing-lg);
+  }
+
+  .testing-card__actions .ui-button,
+  .modal-action-row .ui-button {
+    flex: 1 1 100%;
+  }
+}
+
 /* ── Balance Item (legacy compat) ─────────────────────── */
 
 .balance-item {

apps/miniapp/src/lib/ledger-helpers.ts

@@ -44,6 +44,7 @@ export type PaymentDraft = {
   kind: 'rent' | 'utilities'
   amountMajor: string
   currency: 'USD' | 'GEL'
+  period: string
 }
 
 /* ── Pure helpers ───────────────────────────────────── */
@@ -170,7 +171,8 @@ export function paymentDrafts(
           memberId: entry.memberId ?? '',
           kind: entry.paymentKind ?? 'rent',
           amountMajor: entry.amountMajor,
-          currency: entry.currency
+          currency: entry.currency,
+          period: ''
         }
       ])
   )
@@ -181,7 +183,8 @@ export function paymentDraftForEntry(entry: MiniAppDashboard['ledger'][number]):
     memberId: entry.memberId ?? '',
     kind: entry.paymentKind ?? 'rent',
     amountMajor: entry.amountMajor,
-    currency: entry.currency
+    currency: entry.currency,
+    period: ''
   }
 }
 

apps/miniapp/src/miniapp-api.ts

@@ -130,6 +130,11 @@ export interface MiniAppDashboard {
     netDueMajor: string
     paidMajor: string
     remainingMajor: string
+    overduePayments: readonly {
+      kind: 'rent' | 'utilities'
+      amountMajor: string
+      periods: readonly string[]
+    }[]
     explanations: readonly string[]
   }[]
   ledger: {
@@ -147,6 +152,13 @@ export interface MiniAppDashboard {
     actorDisplayName: string | null
     occurredAt: string | null
     purchaseSplitMode?: 'equal' | 'custom_amounts'
+    originPeriod?: string | null
+    resolutionStatus?: 'unresolved' | 'resolved'
+    resolvedAt?: string | null
+    outstandingByMember?: readonly {
+      memberId: string
+      amountMajor: string
+    }[]
     purchaseParticipants?: readonly {
       memberId: string
       included: boolean
@@ -711,6 +723,35 @@ export async function updateMiniAppMemberStatus(
   return payload.member
 }
 
+export async function demoteMiniAppMember(
+  initData: string,
+  memberId: string
+): Promise<MiniAppMember> {
+  const response = await fetch(`${apiBaseUrl()}/api/miniapp/admin/members/demote`, {
+    method: 'POST',
+    headers: {
+      'content-type': 'application/json'
+    },
+    body: JSON.stringify({
+      initData,
+      memberId
+    })
+  })
+
+  const payload = (await response.json()) as {
+    ok: boolean
+    authorized?: boolean
+    member?: MiniAppMember
+    error?: string
+  }
+
+  if (!response.ok || !payload.member) {
+    throw new Error(payload.error ?? 'Failed to remove admin access')
+  }
+
+  return payload.member
+}
+
 export async function updateMiniAppMemberAbsencePolicy(
   initData: string,
   memberId: string,
@@ -1085,6 +1126,7 @@ export async function addMiniAppPayment(
     kind: 'rent' | 'utilities'
     amountMajor: string
     currency: 'USD' | 'GEL'
+    period?: string
   }
 ): Promise<void> {
   const response = await fetch(`${apiBaseUrl()}/api/miniapp/admin/payments/add`, {

apps/miniapp/src/routes/home.tsx

@@ -92,6 +92,9 @@ export default function HomeRoute() {
   const [copiedValue, setCopiedValue] = createSignal<string | null>(null)
   const [quickPaymentOpen, setQuickPaymentOpen] = createSignal(false)
   const [quickPaymentType, setQuickPaymentType] = createSignal<'rent' | 'utilities'>('rent')
+  const [quickPaymentContext, setQuickPaymentContext] = createSignal<'current' | 'overdue'>(
+    'current'
+  )
   const [quickPaymentAmount, setQuickPaymentAmount] = createSignal('')
   const [submittingPayment, setSubmittingPayment] = createSignal(false)
   const [toastState, setToastState] = createSignal<{
@@ -203,10 +206,10 @@ export default function HomeRoute() {
     return override
   })
 
-  const homeMode = createMemo(() => {
+  const currentPaymentModes = createMemo(() => {
     const data = dashboard()
     const member = currentMemberLine()
-    if (!data || !member) return 'none' as const
+    if (!data || !member) return [] as ('rent' | 'utilities')[]
     const period = effectivePeriod() ?? data.period
     const today = todayOverride()
 
@@ -229,17 +232,21 @@ export default function HomeRoute() {
     const utilitiesActive = utilities.active && utilitiesDueMinor > 0n
     const rentActive = rent.active && rentDueMinor > 0n
 
-    if (utilitiesActive && rentActive) {
+    const modes: ('rent' | 'utilities')[] = []
-      const utilitiesDays = utilities.daysUntilDue ?? Number.POSITIVE_INFINITY
+    if (utilitiesActive) {
-      const rentDays = rent.daysUntilDue ?? Number.POSITIVE_INFINITY
+      modes.push('utilities')
-      return utilitiesDays <= rentDays ? ('utilities' as const) : ('rent' as const)
+    }
+    if (rentActive) {
+      modes.push('rent')
     }
 
-    if (utilitiesActive) return 'utilities' as const
+    return modes
-    if (rentActive) return 'rent' as const
-    return 'none' as const
   })
 
+  function overduePaymentFor(kind: 'rent' | 'utilities') {
+    return currentMemberLine()?.overduePayments.find((payment) => payment.kind === kind) ?? null
+  }
+
   async function handleSubmitUtilities() {
     const data = initData()
     const current = dashboard()
@@ -265,14 +272,21 @@ export default function HomeRoute() {
     }
   }
 
-  function openQuickPayment(type: 'rent' | 'utilities') {
+  function openQuickPayment(
+    type: 'rent' | 'utilities',
+    context: 'current' | 'overdue' = 'current'
+  ) {
     const data = dashboard()
     if (!data || !currentMemberLine()) return
 
     const member = currentMemberLine()!
-    const amount = minorToMajorString(paymentRemainingMinor(data, member, type))
+    const amount =
+      context === 'overdue'
+        ? (overduePaymentFor(type)?.amountMajor ?? '0.00')
+        : minorToMajorString(paymentRemainingMinor(data, member, type))
 
     setQuickPaymentType(type)
+    setQuickPaymentContext(context)
     setQuickPaymentAmount(amount)
     setQuickPaymentOpen(true)
   }
@@ -365,7 +379,7 @@ export default function HomeRoute() {
                   const utilitiesRemainingMinor = () =>
                     paymentRemainingMinor(data(), member(), 'utilities')
 
-                  const mode = () => homeMode()
+                  const modes = () => currentPaymentModes()
                   const currency = () => data().currency
                   const timezone = () => data().timezone
                   const period = () => effectivePeriod() ?? data().period
@@ -431,7 +445,93 @@ export default function HomeRoute() {
 
                   return (
                     <>
-                      <Show when={mode() === 'utilities'}>
+                      <Show when={overduePaymentFor('utilities')}>
+                        {(overdue) => (
+                          <Card accent>
+                            <div class="balance-card">
+                              <div class="balance-card__header">
+                                <span class="balance-card__label">
+                                  {copy().homeOverdueUtilitiesTitle}
+                                </span>
+                                <div
+                                  style={{ display: 'flex', gap: '8px', 'align-items': 'center' }}
+                                >
+                                  <Badge variant="danger">{copy().overdueLabel}</Badge>
+                                  <Button
+                                    variant="primary"
+                                    size="sm"
+                                    onClick={() => openQuickPayment('utilities', 'overdue')}
+                                  >
+                                    <CreditCard size={14} />
+                                    {copy().quickPaymentSubmitAction}
+                                  </Button>
+                                </div>
+                              </div>
+                              <div class="balance-card__amounts">
+                                <div class="balance-card__row balance-card__row--subtotal">
+                                  <span>{copy().finalDue}</span>
+                                  <strong>
+                                    {overdue().amountMajor} {currency()}
+                                  </strong>
+                                </div>
+                                <div class="balance-card__row">
+                                  <span>
+                                    {copy().homeOverduePeriodsLabel.replace(
+                                      '{periods}',
+                                      overdue().periods.join(', ')
+                                    )}
+                                  </span>
+                                </div>
+                              </div>
+                            </div>
+                          </Card>
+                        )}
+                      </Show>
+
+                      <Show when={overduePaymentFor('rent')}>
+                        {(overdue) => (
+                          <Card accent>
+                            <div class="balance-card">
+                              <div class="balance-card__header">
+                                <span class="balance-card__label">
+                                  {copy().homeOverdueRentTitle}
+                                </span>
+                                <div
+                                  style={{ display: 'flex', gap: '8px', 'align-items': 'center' }}
+                                >
+                                  <Badge variant="danger">{copy().overdueLabel}</Badge>
+                                  <Button
+                                    variant="primary"
+                                    size="sm"
+                                    onClick={() => openQuickPayment('rent', 'overdue')}
+                                  >
+                                    <CreditCard size={14} />
+                                    {copy().quickPaymentSubmitAction}
+                                  </Button>
+                                </div>
+                              </div>
+                              <div class="balance-card__amounts">
+                                <div class="balance-card__row balance-card__row--subtotal">
+                                  <span>{copy().finalDue}</span>
+                                  <strong>
+                                    {overdue().amountMajor} {currency()}
+                                  </strong>
+                                </div>
+                                <div class="balance-card__row">
+                                  <span>
+                                    {copy().homeOverduePeriodsLabel.replace(
+                                      '{periods}',
+                                      overdue().periods.join(', ')
+                                    )}
+                                  </span>
+                                </div>
+                              </div>
+                            </div>
+                          </Card>
+                        )}
+                      </Show>
+
+                      <Show when={modes().includes('utilities')}>
                         <Card accent>
                           <div class="balance-card">
                             <div class="balance-card__header">
@@ -441,7 +541,7 @@ export default function HomeRoute() {
                                 <Button
                                   variant="primary"
                                   size="sm"
-                                  onClick={() => openQuickPayment('utilities')}
+                                  onClick={() => openQuickPayment('utilities', 'current')}
                                 >
                                   <CreditCard size={14} />
                                   {copy().quickPaymentSubmitAction}
@@ -496,7 +596,7 @@ export default function HomeRoute() {
                         </Card>
                       </Show>
 
-                      <Show when={mode() === 'rent'}>
+                      <Show when={modes().includes('rent')}>
                         <Card accent>
                           <div class="balance-card">
                             <div class="balance-card__header">
@@ -506,7 +606,7 @@ export default function HomeRoute() {
                                 <Button
                                   variant="primary"
                                   size="sm"
-                                  onClick={() => openQuickPayment('rent')}
+                                  onClick={() => openQuickPayment('rent', 'current')}
                                 >
                                   <CreditCard size={14} />
                                   {copy().quickPaymentSubmitAction}
@@ -543,7 +643,13 @@ export default function HomeRoute() {
                         </Card>
                       </Show>
 
-                      <Show when={mode() === 'none'}>
+                      <Show
+                        when={
+                          modes().length === 0 &&
+                          !overduePaymentFor('utilities') &&
+                          !overduePaymentFor('rent')
+                        }
+                      >
                         <Card muted>
                           <div class="balance-card">
                             <div class="balance-card__header">
@@ -587,7 +693,7 @@ export default function HomeRoute() {
                         </Card>
                       </Show>
 
-                      <Show when={mode() === 'utilities' && utilityLedger().length === 0}>
+                      <Show when={modes().includes('utilities') && utilityLedger().length === 0}>
                         <Card>
                           <div class="balance-card">
                             <div class="balance-card__header">
@@ -643,7 +749,9 @@ export default function HomeRoute() {
                         </Card>
                       </Show>
 
-                      <Show when={mode() === 'rent' && data().rentPaymentDestinations?.length}>
+                      <Show
+                        when={modes().includes('rent') && data().rentPaymentDestinations?.length}
+                      >
                         <div style={{ display: 'grid', gap: '12px' }}>
                           <For each={data().rentPaymentDestinations ?? []}>
                             {(destination) => (
@@ -852,7 +960,10 @@ export default function HomeRoute() {
       <Modal
         open={quickPaymentOpen()}
         title={copy().quickPaymentTitle}
-        description={copy().quickPaymentBody.replace(
+        description={(quickPaymentContext() === 'overdue'
+          ? copy().quickPaymentOverdueBody
+          : copy().quickPaymentCurrentBody
+        ).replace(
           '{type}',
           quickPaymentType() === 'rent' ? copy().shareRent : copy().shareUtilities
         )}

apps/miniapp/src/routes/ledger.tsx

@@ -206,6 +206,34 @@ export default function LedgerRoute() {
   const { copy } = useI18n()
   const { dashboard, loading, effectiveIsAdmin, purchaseLedger, utilityLedger, paymentLedger } =
     useDashboard()
+  const unresolvedPurchaseLedger = createMemo(() =>
+    purchaseLedger().filter((entry) => entry.resolutionStatus !== 'resolved')
+  )
+  const resolvedPurchaseLedger = createMemo(() =>
+    purchaseLedger().filter((entry) => entry.resolutionStatus === 'resolved')
+  )
+  const paymentPeriodOptions = createMemo(() => {
+    const periods = new Set<string>()
+    if (dashboard()?.period) {
+      periods.add(dashboard()!.period)
+    }
+
+    for (const entry of purchaseLedger()) {
+      if (entry.originPeriod) {
+        periods.add(entry.originPeriod)
+      }
+    }
+
+    for (const member of dashboard()?.members ?? []) {
+      for (const overdue of member.overduePayments) {
+        for (const period of overdue.periods) {
+          periods.add(period)
+        }
+      }
+    }
+
+    return [...periods].sort().map((period) => ({ value: period, label: period }))
+  })
 
   // ── Purchase editor ──────────────────────────────
   const [editingPurchase, setEditingPurchase] = createSignal<
@@ -262,7 +290,8 @@ export default function LedgerRoute() {
     memberId: '',
     kind: 'rent',
     amountMajor: '',
-    currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'
+    currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL',
+    period: dashboard()?.period ?? ''
   })
   const [addingPayment, setAddingPayment] = createSignal(false)
 
@@ -518,14 +547,16 @@ export default function LedgerRoute() {
         memberId: draft.memberId,
         kind: draft.kind,
         amountMajor: draft.amountMajor,
-        currency: draft.currency
+        currency: draft.currency,
+        ...(draft.period ? { period: draft.period } : {})
       })
       setAddPaymentOpen(false)
       setNewPayment({
         memberId: '',
         kind: 'rent',
         amountMajor: '',
-        currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'
+        currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL',
+        period: dashboard()?.period ?? ''
       })
       await refreshHouseholdData(true, true)
     } finally {
@@ -615,31 +646,84 @@ export default function LedgerRoute() {
                   when={purchaseLedger().length > 0}
                   fallback={<p class="empty-state">{copy().purchasesEmpty}</p>}
                 >
-                  <div class="editable-list">
+                  <div style={{ display: 'flex', 'flex-direction': 'column', gap: '12px' }}>
-                    <For each={purchaseLedger()}>
+                    <div>
-                      {(entry) => (
+                      <strong>{copy().unresolvedPurchasesTitle}</strong>
-                        <button
+                      <Show
-                          class="editable-list-row"
+                        when={unresolvedPurchaseLedger().length > 0}
-                          onClick={() => effectiveIsAdmin() && openPurchaseEditor(entry)}
+                        fallback={<p class="empty-state">{copy().unresolvedPurchasesEmpty}</p>}
-                          disabled={!effectiveIsAdmin()}
+                      >
-                        >
+                        <div class="editable-list">
-                          <div class="editable-list-row__main">
+                          <For each={unresolvedPurchaseLedger()}>
-                            <span class="editable-list-row__title">{entry.title}</span>
+                            {(entry) => (
-                            <span class="editable-list-row__subtitle">
+                              <button
-                              {entry.actorDisplayName}
+                                class="editable-list-row"
-                            </span>
+                                onClick={() => effectiveIsAdmin() && openPurchaseEditor(entry)}
-                          </div>
+                                disabled={!effectiveIsAdmin()}
-                          <div class="editable-list-row__meta">
+                              >
-                            <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                <div class="editable-list-row__main">
-                            <Show when={ledgerSecondaryAmount(entry)}>
+                                  <span class="editable-list-row__title">{entry.title}</span>
-                              {(secondary) => (
+                                  <span class="editable-list-row__subtitle">
-                                <span class="editable-list-row__secondary">{secondary()}</span>
+                                    {[entry.actorDisplayName, entry.originPeriod, 'Unresolved']
-                              )}
+                                      .filter(Boolean)
-                            </Show>
+                                      .join(' · ')}
-                          </div>
+                                  </span>
-                        </button>
+                                </div>
-                      )}
+                                <div class="editable-list-row__meta">
-                    </For>
+                                  <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                  <Show when={ledgerSecondaryAmount(entry)}>
+                                    {(secondary) => (
+                                      <span class="editable-list-row__secondary">
+                                        {secondary()}
+                                      </span>
+                                    )}
+                                  </Show>
+                                </div>
+                              </button>
+                            )}
+                          </For>
+                        </div>
+                      </Show>
+                    </div>
+
+                    <div>
+                      <strong>{copy().resolvedPurchasesTitle}</strong>
+                      <Show
+                        when={resolvedPurchaseLedger().length > 0}
+                        fallback={<p class="empty-state">{copy().resolvedPurchasesEmpty}</p>}
+                      >
+                        <div class="editable-list">
+                          <For each={resolvedPurchaseLedger()}>
+                            {(entry) => (
+                              <button
+                                class="editable-list-row"
+                                onClick={() => effectiveIsAdmin() && openPurchaseEditor(entry)}
+                                disabled={!effectiveIsAdmin()}
+                              >
+                                <div class="editable-list-row__main">
+                                  <span class="editable-list-row__title">{entry.title}</span>
+                                  <span class="editable-list-row__subtitle">
+                                    {[entry.actorDisplayName, entry.originPeriod, entry.resolvedAt]
+                                      .filter(Boolean)
+                                      .join(' · ')}
+                                  </span>
+                                </div>
+                                <div class="editable-list-row__meta">
+                                  <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                  <Show when={ledgerSecondaryAmount(entry)}>
+                                    {(secondary) => (
+                                      <span class="editable-list-row__secondary">
+                                        {secondary()}
+                                      </span>
+                                    )}
+                                  </Show>
+                                </div>
+                              </button>
+                            )}
+                          </For>
+                        </div>
+                      </Show>
+                    </div>
                   </div>
                 </Show>
               </Collapsible>
@@ -691,7 +775,17 @@ export default function LedgerRoute() {
               >
                 <Show when={effectiveIsAdmin()}>
                   <div class="editable-list-actions">
-                    <Button variant="primary" size="sm" onClick={() => setAddPaymentOpen(true)}>
+                    <Button
+                      variant="primary"
+                      size="sm"
+                      onClick={() => {
+                        setNewPayment((payment) => ({
+                          ...payment,
+                          period: dashboard()?.period ?? ''
+                        }))
+                        setAddPaymentOpen(true)
+                      }}
+                    >
                       <Plus size={14} />
                       {copy().paymentsAddAction}
                     </Button>
@@ -1023,6 +1117,15 @@ export default function LedgerRoute() {
               }
             />
           </Field>
+          <Field label="Billing period">
+            <Select
+              value={newPayment().period ?? ''}
+              placeholder="—"
+              ariaLabel="Billing period"
+              options={[{ value: '', label: '—' }, ...paymentPeriodOptions()]}
+              onChange={(value) => setNewPayment((p) => ({ ...p, period: value }))}
+            />
+          </Field>
           <Field label={copy().paymentAmount}>
             <Input
               type="number"

apps/miniapp/src/routes/settings.tsx

@@ -18,6 +18,7 @@ import {
   updateMiniAppMemberDisplayName,
   updateMiniAppMemberRentWeight,
   updateMiniAppMemberStatus,
+  demoteMiniAppMember,
   promoteMiniAppMember,
   approveMiniAppPendingMember,
   rejectMiniAppPendingMember,
@@ -260,6 +261,10 @@ export default function SettingsRoute() {
       if (form.isAdmin && !currentMember.isAdmin) {
         updatedMember = await promoteMiniAppMember(data, memberId)
       }
+      // Remove admin access if requested and currently admin
+      if (!form.isAdmin && currentMember.isAdmin) {
+        updatedMember = await demoteMiniAppMember(data, memberId)
+      }
 
       // Update local state
       setAdminSettings((prev) => {
@@ -906,16 +911,17 @@ export default function SettingsRoute() {
               }
             />
           </Field>
-          <Show when={!editMemberForm().isAdmin}>
+          <Field label={copy().memberRoleLabel}>
-            <Field label={copy().promoteAdminLabel}>
+            <Select
-              <Button
+              value={editMemberForm().isAdmin ? 'admin' : 'resident'}
-                variant="secondary"
+              ariaLabel={copy().memberRoleLabel}
-                onClick={() => setEditMemberForm((f) => ({ ...f, isAdmin: true }))}
+              options={[
-              >
+                { value: 'resident', label: copy().memberRoleResident },
-                {copy().promoteAdminAction}
+                { value: 'admin', label: copy().memberRoleAdmin }
-              </Button>
+              ]}
-            </Field>
+              onChange={(value) => setEditMemberForm((f) => ({ ...f, isAdmin: value === 'admin' }))}
-          </Show>
+            />
+          </Field>
         </div>
       </Modal>
 

packages/adapters-db/src/finance-repository.ts

@@ -153,6 +153,23 @@ export function createDbFinanceRepository(
       }
     },
 
+    async listCycles() {
+      const rows = await db
+        .select({
+          id: schema.billingCycles.id,
+          period: schema.billingCycles.period,
+          currency: schema.billingCycles.currency
+        })
+        .from(schema.billingCycles)
+        .where(eq(schema.billingCycles.householdId, householdId))
+        .orderBy(schema.billingCycles.period)
+
+      return rows.map((row) => ({
+        ...row,
+        currency: toCurrencyCode(row.currency)
+      }))
+    },
+
     async getCycleByPeriod(period) {
       const rows = await db
         .select({
@@ -354,6 +371,7 @@ export function createDbFinanceRepository(
       await db.insert(schema.purchaseMessages).values({
         id: purchaseId,
         householdId,
+        cycleId: input.cycleId,
         senderMemberId: input.payerMemberId,
         payerMemberId: input.payerMemberId,
         senderTelegramUserId: 'miniapp',
@@ -415,11 +433,13 @@ export function createDbFinanceRepository(
 
       return {
         id: row.id,
+        cycleId: input.cycleId,
         payerMemberId: row.payerMemberId,
         amountMinor: row.amountMinor,
         currency: toCurrencyCode(row.currency),
         description: row.description,
         occurredAt: row.occurredAt ? instantFromDatabaseValue(row.occurredAt) : null,
+        cyclePeriod: null,
         splitMode: row.splitMode as 'equal' | 'custom_amounts',
         participants: participantRows.map((p) => ({
           memberId: p.memberId,
@@ -502,11 +522,13 @@ export function createDbFinanceRepository(
 
         return {
           id: row.id,
+          cycleId: null,
           payerMemberId: row.payerMemberId,
           amountMinor: row.amountMinor,
           currency: toCurrencyCode(row.currency),
           description: row.description,
           occurredAt: instantFromDatabaseValue(row.occurredAt),
+          cyclePeriod: null,
           splitMode: row.splitMode === 'custom_amounts' ? 'custom_amounts' : 'equal',
           participants: participants.map((participant) => ({
             id: participant.id,
@@ -596,6 +618,7 @@ export function createDbFinanceRepository(
         })
         .returning({
           id: schema.paymentRecords.id,
+          cycleId: schema.paymentRecords.cycleId,
           memberId: schema.paymentRecords.memberId,
           kind: schema.paymentRecords.kind,
           amountMinor: schema.paymentRecords.amountMinor,
@@ -610,6 +633,8 @@ export function createDbFinanceRepository(
 
       return {
         id: row.id,
+        cycleId: row.cycleId,
+        cyclePeriod: null,
         memberId: row.memberId,
         kind: row.kind === 'utilities' ? 'utilities' : 'rent',
         amountMinor: row.amountMinor,
@@ -618,6 +643,66 @@ export function createDbFinanceRepository(
       }
     },
 
+    async getPaymentRecord(paymentId) {
+      const rows = await db
+        .select({
+          id: schema.paymentRecords.id,
+          cycleId: schema.paymentRecords.cycleId,
+          cyclePeriod: schema.billingCycles.period,
+          memberId: schema.paymentRecords.memberId,
+          kind: schema.paymentRecords.kind,
+          amountMinor: schema.paymentRecords.amountMinor,
+          currency: schema.paymentRecords.currency,
+          recordedAt: schema.paymentRecords.recordedAt
+        })
+        .from(schema.paymentRecords)
+        .innerJoin(schema.billingCycles, eq(schema.paymentRecords.cycleId, schema.billingCycles.id))
+        .where(
+          and(
+            eq(schema.paymentRecords.householdId, householdId),
+            eq(schema.paymentRecords.id, paymentId)
+          )
+        )
+        .limit(1)
+
+      const row = rows[0]
+      if (!row) {
+        return null
+      }
+
+      return {
+        id: row.id,
+        cycleId: row.cycleId,
+        cyclePeriod: row.cyclePeriod,
+        memberId: row.memberId,
+        kind: row.kind === 'utilities' ? 'utilities' : 'rent',
+        amountMinor: row.amountMinor,
+        currency: toCurrencyCode(row.currency),
+        recordedAt: instantFromDatabaseValue(row.recordedAt)!
+      }
+    },
+
+    async replacePaymentPurchaseAllocations(input) {
+      await db.transaction(async (tx) => {
+        await tx
+          .delete(schema.paymentPurchaseAllocations)
+          .where(eq(schema.paymentPurchaseAllocations.paymentRecordId, input.paymentRecordId))
+
+        if (input.allocations.length === 0) {
+          return
+        }
+
+        await tx.insert(schema.paymentPurchaseAllocations).values(
+          input.allocations.map((allocation) => ({
+            paymentRecordId: input.paymentRecordId,
+            purchaseId: allocation.purchaseId,
+            memberId: allocation.memberId,
+            amountMinor: allocation.amountMinor
+          }))
+        )
+      })
+    },
+
     async updatePaymentRecord(input) {
       const rows = await db
         .update(schema.paymentRecords)
@@ -635,6 +720,7 @@ export function createDbFinanceRepository(
         )
         .returning({
           id: schema.paymentRecords.id,
+          cycleId: schema.paymentRecords.cycleId,
           memberId: schema.paymentRecords.memberId,
           kind: schema.paymentRecords.kind,
           amountMinor: schema.paymentRecords.amountMinor,
@@ -649,6 +735,8 @@ export function createDbFinanceRepository(
 
       return {
         id: row.id,
+        cycleId: row.cycleId,
+        cyclePeriod: null,
         memberId: row.memberId,
         kind: row.kind === 'utilities' ? 'utilities' : 'rent',
         amountMinor: row.amountMinor,
@@ -741,6 +829,8 @@ export function createDbFinanceRepository(
       const rows = await db
         .select({
           id: schema.paymentRecords.id,
+          cycleId: schema.paymentRecords.cycleId,
+          cyclePeriod: schema.billingCycles.period,
           memberId: schema.paymentRecords.memberId,
           kind: schema.paymentRecords.kind,
           amountMinor: schema.paymentRecords.amountMinor,
@@ -748,11 +838,14 @@ export function createDbFinanceRepository(
           recordedAt: schema.paymentRecords.recordedAt
         })
         .from(schema.paymentRecords)
+        .innerJoin(schema.billingCycles, eq(schema.paymentRecords.cycleId, schema.billingCycles.id))
         .where(eq(schema.paymentRecords.cycleId, cycleId))
         .orderBy(schema.paymentRecords.recordedAt)
 
       return rows.map((row) => ({
         id: row.id,
+        cycleId: row.cycleId,
+        cyclePeriod: row.cyclePeriod,
         memberId: row.memberId,
         kind: row.kind === 'utilities' ? 'utilities' : 'rent',
         amountMinor: row.amountMinor,
@@ -765,6 +858,8 @@ export function createDbFinanceRepository(
       const rows = await db
         .select({
           id: schema.purchaseMessages.id,
+          cycleId: schema.purchaseMessages.cycleId,
+          cyclePeriod: schema.billingCycles.period,
           payerMemberId: schema.purchaseMessages.payerMemberId,
           amountMinor: schema.purchaseMessages.parsedAmountMinor,
           currency: schema.purchaseMessages.parsedCurrency,
@@ -773,6 +868,10 @@ export function createDbFinanceRepository(
           splitMode: schema.purchaseMessages.participantSplitMode
         })
         .from(schema.purchaseMessages)
+        .leftJoin(
+          schema.billingCycles,
+          eq(schema.purchaseMessages.cycleId, schema.billingCycles.id)
+        )
         .where(
           and(
             eq(schema.purchaseMessages.householdId, householdId),
@@ -792,6 +891,8 @@ export function createDbFinanceRepository(
 
       return rows.map((row) => ({
         id: row.id,
+        cycleId: row.cycleId,
+        cyclePeriod: row.cyclePeriod,
         payerMemberId: row.payerMemberId!,
         amountMinor: row.amountMinor!,
         currency: toCurrencyCode(row.currency!),
@@ -802,6 +903,82 @@ export function createDbFinanceRepository(
       }))
     },
 
+    async listParsedPurchases() {
+      const rows = await db
+        .select({
+          id: schema.purchaseMessages.id,
+          cycleId: schema.purchaseMessages.cycleId,
+          cyclePeriod: schema.billingCycles.period,
+          payerMemberId: schema.purchaseMessages.payerMemberId,
+          amountMinor: schema.purchaseMessages.parsedAmountMinor,
+          currency: schema.purchaseMessages.parsedCurrency,
+          description: schema.purchaseMessages.parsedItemDescription,
+          occurredAt: schema.purchaseMessages.messageSentAt,
+          splitMode: schema.purchaseMessages.participantSplitMode
+        })
+        .from(schema.purchaseMessages)
+        .leftJoin(
+          schema.billingCycles,
+          eq(schema.purchaseMessages.cycleId, schema.billingCycles.id)
+        )
+        .where(
+          and(
+            eq(schema.purchaseMessages.householdId, householdId),
+            isNotNull(schema.purchaseMessages.payerMemberId),
+            isNotNull(schema.purchaseMessages.parsedAmountMinor),
+            isNotNull(schema.purchaseMessages.parsedCurrency),
+            or(
+              eq(schema.purchaseMessages.processingStatus, 'parsed'),
+              eq(schema.purchaseMessages.processingStatus, 'confirmed')
+            )
+          )
+        )
+        .orderBy(schema.purchaseMessages.messageSentAt, schema.purchaseMessages.id)
+
+      const participantsByPurchaseId = await loadPurchaseParticipants(rows.map((row) => row.id))
+
+      return rows.map((row) => ({
+        id: row.id,
+        cycleId: row.cycleId,
+        cyclePeriod: row.cyclePeriod,
+        payerMemberId: row.payerMemberId!,
+        amountMinor: row.amountMinor!,
+        currency: toCurrencyCode(row.currency!),
+        description: row.description,
+        occurredAt: instantFromDatabaseValue(row.occurredAt),
+        splitMode: row.splitMode === 'custom_amounts' ? 'custom_amounts' : 'equal',
+        participants: participantsByPurchaseId.get(row.id) ?? []
+      }))
+    },
+
+    async listPaymentPurchaseAllocations() {
+      const rows = await db
+        .select({
+          id: schema.paymentPurchaseAllocations.id,
+          paymentRecordId: schema.paymentPurchaseAllocations.paymentRecordId,
+          purchaseId: schema.paymentPurchaseAllocations.purchaseId,
+          memberId: schema.paymentPurchaseAllocations.memberId,
+          amountMinor: schema.paymentPurchaseAllocations.amountMinor,
+          recordedAt: schema.paymentRecords.recordedAt
+        })
+        .from(schema.paymentPurchaseAllocations)
+        .innerJoin(
+          schema.paymentRecords,
+          eq(schema.paymentPurchaseAllocations.paymentRecordId, schema.paymentRecords.id)
+        )
+        .where(eq(schema.paymentRecords.householdId, householdId))
+        .orderBy(
+          schema.paymentPurchaseAllocations.purchaseId,
+          schema.paymentPurchaseAllocations.memberId,
+          schema.paymentPurchaseAllocations.createdAt
+        )
+
+      return rows.map((row) => ({
+        ...row,
+        recordedAt: instantFromDatabaseValue(row.recordedAt)!
+      }))
+    },
+
     async getSettlementSnapshotLines(cycleId) {
       const rows = await db
         .select({
@@ -907,6 +1084,8 @@ export function createDbFinanceRepository(
           status: 'recorded' as const,
           paymentRecord: {
             id: paymentRow.id,
+            cycleId: input.cycleId,
+            cyclePeriod: null,
             memberId: paymentRow.memberId,
             kind: paymentRow.kind === 'utilities' ? 'utilities' : 'rent',
             amountMinor: paymentRow.amountMinor,

packages/adapters-db/src/household-config-repository.ts

@@ -1512,6 +1512,40 @@ export function createDbHouseholdConfigurationRepository(databaseUrl: string): {
       })
     },
 
+    async demoteHouseholdAdmin(householdId, memberId) {
+      const rows = await db
+        .update(schema.members)
+        .set({
+          isAdmin: 0
+        })
+        .where(and(eq(schema.members.householdId, householdId), eq(schema.members.id, memberId)))
+        .returning({
+          id: schema.members.id,
+          householdId: schema.members.householdId,
+          telegramUserId: schema.members.telegramUserId,
+          displayName: schema.members.displayName,
+          lifecycleStatus: schema.members.lifecycleStatus,
+          preferredLocale: schema.members.preferredLocale,
+          rentShareWeight: schema.members.rentShareWeight,
+          isAdmin: schema.members.isAdmin
+        })
+
+      const row = rows[0]
+      if (!row) {
+        return null
+      }
+
+      const household = await this.getHouseholdChatByHouseholdId(householdId)
+      if (!household) {
+        throw new Error('Failed to resolve household chat after household admin demotion')
+      }
+
+      return toHouseholdMemberRecord({
+        ...row,
+        defaultLocale: household.defaultLocale
+      })
+    },
+
     async updateHouseholdMemberRentShareWeight(householdId, memberId, rentShareWeight) {
       const rows = await db
         .update(schema.members)

packages/application/src/finance-command-service.test.ts

@@ -45,10 +45,12 @@ class FinanceRepositoryStub implements FinanceRepository {
   openCycleRecord: FinanceCycleRecord | null = null
   cycleByPeriodRecord: FinanceCycleRecord | null = null
   latestCycleRecord: FinanceCycleRecord | null = null
+  cycles: readonly FinanceCycleRecord[] = []
   rentRule: FinanceRentRuleRecord | null = null
   purchases: readonly FinanceParsedPurchaseRecord[] = []
   utilityBills: readonly {
     id: string
+    cycleId?: string
     billName: string
     amountMinor: bigint
     currency: 'USD' | 'GEL'
@@ -57,6 +59,8 @@ class FinanceRepositoryStub implements FinanceRepository {
   }[] = []
   paymentRecords: readonly {
     id: string
+    cycleId: string
+    cyclePeriod?: string | null
     memberId: string
     kind: 'rent' | 'utilities'
     amountMinor: bigint
@@ -79,6 +83,10 @@ class FinanceRepositoryStub implements FinanceRepository {
   cycleExchangeRates = new Map<string, FinanceCycleExchangeRateRecord>()
   lastUpdatedPurchaseInput: Parameters<FinanceRepository['updateParsedPurchase']>[0] | null = null
   lastAddedPurchaseInput: Parameters<FinanceRepository['addParsedPurchase']>[0] | null = null
+  lastReplacedPaymentPurchaseAllocations:
+    | Parameters<FinanceRepository['replacePaymentPurchaseAllocations']>[0]
+    | null = null
+  addedPaymentRecords: Parameters<FinanceRepository['addPaymentRecord']>[0][] = []
 
   async getMemberByTelegramUserId(): Promise<FinanceMemberRecord | null> {
     return this.member
@@ -88,12 +96,27 @@ class FinanceRepositoryStub implements FinanceRepository {
     return this.members
   }
 
+  async listCycles(): Promise<readonly FinanceCycleRecord[]> {
+    if (this.cycles.length > 0) {
+      return this.cycles
+    }
+
+    return [this.openCycleRecord ?? this.cycleByPeriodRecord ?? this.latestCycleRecord].filter(
+      (cycle): cycle is FinanceCycleRecord => Boolean(cycle)
+    )
+  }
+
   async getOpenCycle(): Promise<FinanceCycleRecord | null> {
     return this.openCycleRecord
   }
 
-  async getCycleByPeriod(): Promise<FinanceCycleRecord | null> {
+  async getCycleByPeriod(period: string): Promise<FinanceCycleRecord | null> {
-    return this.cycleByPeriodRecord ?? this.openCycleRecord ?? this.latestCycleRecord
+    return (
+      this.cycles.find((cycle) => cycle.period === period) ??
+      (this.cycleByPeriodRecord?.period === period ? this.cycleByPeriodRecord : null) ??
+      (this.openCycleRecord?.period === period ? this.openCycleRecord : null) ??
+      (this.latestCycleRecord?.period === period ? this.latestCycleRecord : null)
+    )
   }
 
   async getLatestCycle(): Promise<FinanceCycleRecord | null> {
@@ -153,6 +176,8 @@ class FinanceRepositoryStub implements FinanceRepository {
     this.lastAddedPurchaseInput = input
     return {
       id: 'purchase-1',
+      cycleId: input.cycleId,
+      cyclePeriod: null,
       payerMemberId: input.payerMemberId,
       amountMinor: input.amountMinor,
       currency: input.currency,
@@ -179,6 +204,8 @@ class FinanceRepositoryStub implements FinanceRepository {
     this.lastUpdatedPurchaseInput = input
     return {
       id: input.purchaseId,
+      cycleId: null,
+      cyclePeriod: null,
       payerMemberId: 'alice',
       amountMinor: input.amountMinor,
       currency: input.currency,
@@ -210,8 +237,15 @@ class FinanceRepositoryStub implements FinanceRepository {
     currency: 'USD' | 'GEL'
     recordedAt: Instant
   }) {
+    this.addedPaymentRecords.push(input)
+
     return {
-      id: 'payment-record-1',
+      id: `payment-record-${this.addedPaymentRecords.length}`,
+      cycleId: input.cycleId,
+      cyclePeriod:
+        this.cycles.find((cycle) => cycle.id === input.cycleId)?.period ??
+        this.openCycleRecord?.period ??
+        null,
       memberId: input.memberId,
       kind: input.kind,
       amountMinor: input.amountMinor,
@@ -220,6 +254,25 @@ class FinanceRepositoryStub implements FinanceRepository {
     }
   }
 
+  async getPaymentRecord(paymentId: string) {
+    return {
+      id: paymentId,
+      cycleId: this.openCycleRecord?.id ?? 'cycle-1',
+      cyclePeriod: this.openCycleRecord?.period ?? '2026-03',
+      memberId: 'alice',
+      kind: 'utilities' as const,
+      amountMinor: 0n,
+      currency: 'GEL' as const,
+      recordedAt: instantFromIso('2026-03-20T10:00:00.000Z')
+    }
+  }
+
+  async replacePaymentPurchaseAllocations(
+    input: Parameters<FinanceRepository['replacePaymentPurchaseAllocations']>[0]
+  ) {
+    this.lastReplacedPaymentPurchaseAllocations = input
+  }
+
   async updatePaymentRecord() {
     return null
   }
@@ -236,18 +289,26 @@ class FinanceRepositoryStub implements FinanceRepository {
     return this.utilityBills.reduce((sum, bill) => sum + bill.amountMinor, 0n)
   }
 
-  async listUtilityBillsForCycle() {
+  async listUtilityBillsForCycle(cycleId: string) {
-    return this.utilityBills
+    return this.utilityBills.filter((bill) => !bill.cycleId || bill.cycleId === cycleId)
   }
 
-  async listPaymentRecordsForCycle() {
+  async listPaymentRecordsForCycle(cycleId: string) {
-    return this.paymentRecords
+    return this.paymentRecords.filter((payment) => payment.cycleId === cycleId)
   }
 
   async listParsedPurchasesForRange(): Promise<readonly FinanceParsedPurchaseRecord[]> {
     return this.purchases
   }
 
+  async listParsedPurchases(): Promise<readonly FinanceParsedPurchaseRecord[]> {
+    return this.purchases
+  }
+
+  async listPaymentPurchaseAllocations() {
+    return []
+  }
+
   async getSettlementSnapshotLines() {
     return []
   }
@@ -364,9 +425,10 @@ function createService(repository: FinanceRepositoryStub) {
 describe('createFinanceCommandService', () => {
   test('setRent falls back to the open cycle period when one is active', async () => {
     const repository = new FinanceRepositoryStub()
+    const currentPeriod = expectedCurrentCyclePeriod('Asia/Tbilisi', 20)
     repository.openCycleRecord = {
       id: 'cycle-1',
-      period: '2026-03',
+      period: currentPeriod,
       currency: 'GEL'
     }
 
@@ -374,11 +436,11 @@ describe('createFinanceCommandService', () => {
     const result = await service.setRent('700', undefined, undefined)
 
     expect(result).not.toBeNull()
-    expect(result?.period).toBe('2026-03')
+    expect(result?.period).toBe(currentPeriod)
     expect(result?.currency).toBe('USD')
     expect(result?.amount.amountMinor).toBe(70000n)
     expect(repository.lastSavedRentRule).toEqual({
-      period: '2026-03',
+      period: currentPeriod,
       amountMinor: 70000n,
       currency: 'USD'
     })
@@ -386,9 +448,10 @@ describe('createFinanceCommandService', () => {
 
   test('getAdminCycleState prefers the open cycle and returns rent plus utility bills', async () => {
     const repository = new FinanceRepositoryStub()
+    const currentPeriod = expectedCurrentCyclePeriod('Asia/Tbilisi', 20)
     repository.openCycleRecord = {
       id: 'cycle-1',
-      period: '2026-03',
+      period: currentPeriod,
       currency: 'GEL'
     }
     repository.latestCycleRecord = {
@@ -417,7 +480,7 @@ describe('createFinanceCommandService', () => {
     expect(result).toEqual({
       cycle: {
         id: 'cycle-1',
-        period: '2026-03',
+        period: currentPeriod,
         currency: 'GEL'
       },
       rentRule: {
@@ -498,6 +561,8 @@ describe('createFinanceCommandService', () => {
     repository.purchases = [
       {
         id: 'purchase-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
         payerMemberId: 'alice',
         amountMinor: 3000n,
         currency: 'GEL',
@@ -508,6 +573,8 @@ describe('createFinanceCommandService', () => {
     repository.paymentRecords = [
       {
         id: 'payment-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
         memberId: 'alice',
         kind: 'rent',
         amountMinor: 50000n,
@@ -517,8 +584,8 @@ describe('createFinanceCommandService', () => {
     ]
 
     const service = createService(repository)
-    const dashboard = await service.generateDashboard()
+    const dashboard = await service.generateDashboard('2026-03')
-    const statement = await service.generateStatement()
+    const statement = await service.generateStatement('2026-03')
 
     expect(dashboard).not.toBeNull()
     expect(dashboard?.currency).toBe('GEL')
@@ -578,7 +645,7 @@ describe('createFinanceCommandService', () => {
     }
 
     const service = createService(repository)
-    const dashboard = await service.generateDashboard()
+    const dashboard = await service.generateDashboard('2026-03')
 
     expect(dashboard?.period).toBe('2026-03')
   })
@@ -638,6 +705,8 @@ describe('createFinanceCommandService', () => {
     repository.purchases = [
       {
         id: 'purchase-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
         payerMemberId: 'alice',
         amountMinor: 3000n,
         currency: 'GEL',
@@ -742,6 +811,8 @@ describe('createFinanceCommandService', () => {
     repository.purchases = [
       {
         id: 'purchase-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
         payerMemberId: 'alice',
         amountMinor: 3000n,
         currency: 'GEL',
@@ -823,6 +894,8 @@ describe('createFinanceCommandService', () => {
     repository.purchases = [
       {
         id: 'malformed-purchase-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
         payerMemberId: 'alice',
         amountMinor: 1000n, // Total is 10.00 GEL
         currency: 'GEL',
@@ -882,7 +955,7 @@ describe('createFinanceCommandService', () => {
     repository.rentRule = null
 
     const service = createService(repository)
-    const dashboard = await service.generateDashboard()
+    const dashboard = await service.generateDashboard('2026-03')
 
     expect(dashboard).not.toBeNull()
     expect(dashboard?.period).toBe('2026-03')
@@ -890,4 +963,310 @@ describe('createFinanceCommandService', () => {
     expect(dashboard?.rentDisplayAmount.amountMinor).toBe(0n)
     expect(dashboard?.totalDue.amountMinor).toBe(0n)
   })
+
+  test('generateDashboard carries unresolved purchases from prior cycles into the current cycle', async () => {
+    const repository = new FinanceRepositoryStub()
+    repository.members = [
+      {
+        id: 'alice',
+        telegramUserId: '1',
+        displayName: 'Alice',
+        rentShareWeight: 1,
+        isAdmin: true
+      },
+      {
+        id: 'bob',
+        telegramUserId: '2',
+        displayName: 'Bob',
+        rentShareWeight: 1,
+        isAdmin: false
+      }
+    ]
+    repository.openCycleRecord = {
+      id: 'cycle-2026-04',
+      period: '2026-04',
+      currency: 'GEL'
+    }
+    repository.rentRule = {
+      amountMinor: 0n,
+      currency: 'GEL'
+    }
+    repository.utilityBills = [
+      {
+        id: 'utility-1',
+        billName: 'Electricity',
+        amountMinor: 5000n,
+        currency: 'GEL',
+        createdByMemberId: 'alice',
+        createdAt: instantFromIso('2026-04-05T12:00:00.000Z')
+      }
+    ]
+    repository.purchases = [
+      {
+        id: 'purchase-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
+        payerMemberId: 'alice',
+        amountMinor: 3000n,
+        currency: 'GEL',
+        description: 'Soap',
+        occurredAt: instantFromIso('2026-03-12T11:00:00.000Z'),
+        splitMode: 'custom_amounts',
+        participants: [
+          {
+            memberId: 'alice',
+            included: true,
+            shareAmountMinor: 1500n
+          },
+          {
+            memberId: 'bob',
+            included: true,
+            shareAmountMinor: 1500n
+          }
+        ]
+      }
+    ]
+
+    const service = createService(repository)
+    const dashboard = await service.generateDashboard()
+    const bobLine = dashboard?.members.find((member) => member.memberId === 'bob')
+    const purchaseEntry = dashboard?.ledger.find((entry) => entry.id === 'purchase-1')
+
+    expect(bobLine?.purchaseOffset.amountMinor).toBe(1500n)
+    expect(bobLine?.utilityShare.amountMinor).toBe(2500n)
+    expect(purchaseEntry?.kind).toBe('purchase')
+    expect(purchaseEntry?.originPeriod).toBe('2026-03')
+    expect(purchaseEntry?.resolutionStatus).toBe('unresolved')
+    expect(purchaseEntry?.outstandingByMember).toEqual([
+      {
+        memberId: 'bob',
+        amount: Money.fromMinor(1500n, 'GEL')
+      }
+    ])
+  })
+
+  test('addPayment allocates utilities overage to the oldest unresolved purchase balance', async () => {
+    const repository = new FinanceRepositoryStub()
+    repository.members = [
+      {
+        id: 'alice',
+        telegramUserId: '1',
+        displayName: 'Alice',
+        rentShareWeight: 1,
+        isAdmin: true
+      },
+      {
+        id: 'bob',
+        telegramUserId: '2',
+        displayName: 'Bob',
+        rentShareWeight: 1,
+        isAdmin: false
+      }
+    ]
+    repository.openCycleRecord = {
+      id: 'cycle-2026-04',
+      period: '2026-04',
+      currency: 'GEL'
+    }
+    repository.rentRule = {
+      amountMinor: 0n,
+      currency: 'GEL'
+    }
+    repository.utilityBills = [
+      {
+        id: 'utility-1',
+        billName: 'Electricity',
+        amountMinor: 5000n,
+        currency: 'GEL',
+        createdByMemberId: 'alice',
+        createdAt: instantFromIso('2026-04-05T12:00:00.000Z')
+      }
+    ]
+    repository.purchases = [
+      {
+        id: 'purchase-oldest',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
+        payerMemberId: 'alice',
+        amountMinor: 3000n,
+        currency: 'GEL',
+        description: 'Old soap',
+        occurredAt: instantFromIso('2026-03-12T11:00:00.000Z'),
+        splitMode: 'custom_amounts',
+        participants: [
+          {
+            memberId: 'alice',
+            included: true,
+            shareAmountMinor: 1500n
+          },
+          {
+            memberId: 'bob',
+            included: true,
+            shareAmountMinor: 1500n
+          }
+        ]
+      },
+      {
+        id: 'purchase-newer',
+        cycleId: 'cycle-2026-04',
+        cyclePeriod: '2026-04',
+        payerMemberId: 'alice',
+        amountMinor: 2000n,
+        currency: 'GEL',
+        description: 'New sponge',
+        occurredAt: instantFromIso('2026-04-07T11:00:00.000Z'),
+        splitMode: 'custom_amounts',
+        participants: [
+          {
+            memberId: 'alice',
+            included: true,
+            shareAmountMinor: 1000n
+          },
+          {
+            memberId: 'bob',
+            included: true,
+            shareAmountMinor: 1000n
+          }
+        ]
+      }
+    ]
+
+    const service = createService(repository)
+    await service.addPayment('bob', 'utilities', '40.00', 'GEL', '2026-04')
+
+    expect(repository.lastReplacedPaymentPurchaseAllocations).toEqual({
+      paymentRecordId: 'payment-record-1',
+      allocations: [
+        {
+          purchaseId: 'purchase-oldest',
+          memberId: 'bob',
+          amountMinor: 1500n
+        }
+      ]
+    })
+  })
+
+  test('generateDashboard aggregates overdue payments by kind across unresolved past cycles', async () => {
+    const repository = new FinanceRepositoryStub()
+    repository.members = [
+      {
+        id: 'alice',
+        telegramUserId: '1',
+        displayName: 'Alice',
+        rentShareWeight: 1,
+        isAdmin: true
+      },
+      {
+        id: 'bob',
+        telegramUserId: '2',
+        displayName: 'Bob',
+        rentShareWeight: 1,
+        isAdmin: false
+      }
+    ]
+    repository.cycles = [
+      { id: 'cycle-2026-01', period: '2026-01', currency: 'GEL' },
+      { id: 'cycle-2026-02', period: '2026-02', currency: 'GEL' },
+      { id: 'cycle-2026-03', period: '2026-03', currency: 'GEL' }
+    ]
+    repository.openCycleRecord = repository.cycles[2]!
+    repository.latestCycleRecord = repository.cycles[2]!
+    repository.rentRule = {
+      amountMinor: 2000n,
+      currency: 'GEL'
+    }
+    repository.utilityBills = [
+      {
+        id: 'utility-2026-02',
+        cycleId: 'cycle-2026-02',
+        billName: 'Electricity',
+        amountMinor: 600n,
+        currency: 'GEL',
+        createdByMemberId: 'alice',
+        createdAt: instantFromIso('2026-02-10T12:00:00.000Z')
+      }
+    ]
+    repository.paymentRecords = [
+      {
+        id: 'payment-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
+        memberId: 'bob',
+        kind: 'rent',
+        amountMinor: 1000n,
+        currency: 'GEL',
+        recordedAt: instantFromIso('2026-03-18T12:00:00.000Z')
+      }
+    ]
+
+    const service = createService(repository)
+    const dashboard = await service.generateDashboard()
+    const bobLine = dashboard?.members.find((member) => member.memberId === 'bob')
+
+    expect(bobLine?.overduePayments).toEqual([
+      {
+        kind: 'rent',
+        amountMinor: 2000n,
+        periods: ['2026-01', '2026-02']
+      },
+      {
+        kind: 'utilities',
+        amountMinor: 300n,
+        periods: ['2026-02']
+      }
+    ])
+  })
+
+  test('addPayment without explicit period applies overdue payments oldest-first across cycles', async () => {
+    const repository = new FinanceRepositoryStub()
+    repository.members = [
+      {
+        id: 'alice',
+        telegramUserId: '1',
+        displayName: 'Alice',
+        rentShareWeight: 1,
+        isAdmin: true
+      },
+      {
+        id: 'bob',
+        telegramUserId: '2',
+        displayName: 'Bob',
+        rentShareWeight: 1,
+        isAdmin: false
+      }
+    ]
+    repository.cycles = [
+      { id: 'cycle-2026-01', period: '2026-01', currency: 'GEL' },
+      { id: 'cycle-2026-02', period: '2026-02', currency: 'GEL' },
+      { id: 'cycle-2026-03', period: '2026-03', currency: 'GEL' }
+    ]
+    repository.openCycleRecord = repository.cycles[2]!
+    repository.latestCycleRecord = repository.cycles[2]!
+    repository.rentRule = {
+      amountMinor: 2000n,
+      currency: 'GEL'
+    }
+
+    const service = createService(repository)
+    await service.addPayment('bob', 'rent', '15.00', 'GEL')
+
+    expect(repository.addedPaymentRecords).toEqual([
+      {
+        cycleId: 'cycle-2026-01',
+        memberId: 'bob',
+        kind: 'rent',
+        amountMinor: 1000n,
+        currency: 'GEL',
+        recordedAt: repository.addedPaymentRecords[0]!.recordedAt
+      },
+      {
+        cycleId: 'cycle-2026-02',
+        memberId: 'bob',
+        kind: 'rent',
+        amountMinor: 500n,
+        currency: 'GEL',
+        recordedAt: repository.addedPaymentRecords[1]!.recordedAt
+      }
+    ])
+  })
 })

packages/application/src/finance-command-service.ts

@@ -4,9 +4,12 @@ import type {
   ExchangeRateProvider,
   FinanceCycleRecord,
   FinanceMemberRecord,
+  FinanceMemberOverduePaymentRecord,
   FinancePaymentKind,
+  FinancePaymentPurchaseAllocationRecord,
   FinanceRentRuleRecord,
   FinanceRepository,
+  HouseholdBillingSettingsRecord,
   HouseholdConfigurationRepository,
   HouseholdMemberAbsencePolicy,
   HouseholdMemberAbsencePolicyRecord,
@@ -116,6 +119,7 @@ export interface FinanceDashboardMemberLine {
   netDue: Money
   paid: Money
   remaining: Money
+  overduePayments: readonly FinanceMemberOverduePaymentRecord[]
   explanations: readonly string[]
 }
 
@@ -140,6 +144,13 @@ export interface FinanceDashboardLedgerEntry {
     shareAmount: Money | null
   }[]
   payerMemberId?: string
+  originPeriod?: string | null
+  resolutionStatus?: 'unresolved' | 'resolved'
+  resolvedAt?: string | null
+  outstandingByMember?: readonly {
+    memberId: string
+    amount: Money
+  }[]
 }
 
 export interface FinanceDashboard {
@@ -227,6 +238,95 @@ interface ConvertedCycleMoney {
   fxEffectiveDate: string | null
 }
 
+interface PurchaseHistoryState {
+  purchase: Awaited<ReturnType<FinanceRepository['listParsedPurchases']>>[number]
+  converted: ConvertedCycleMoney
+  outstandingByMemberId: ReadonlyMap<string, Money>
+  outstandingTotal: Money
+  resolvedAt: string | null
+}
+
+interface CycleBaseMemberLine {
+  memberId: string
+  rentShare: Money
+  utilityShare: Money
+  rentPaid: Money
+  utilityPaid: Money
+}
+
+interface MutableOverdueSummary {
+  rent: { amountMinor: bigint; periods: string[] }
+  utilities: { amountMinor: bigint; periods: string[] }
+}
+
+function periodFromInstant(instant: Temporal.Instant | null | undefined): string | null {
+  if (!instant) {
+    return null
+  }
+
+  const zdt = instant.toZonedDateTimeISO('UTC')
+  return `${zdt.year}-${String(zdt.month).padStart(2, '0')}`
+}
+
+function purchaseOriginPeriod(
+  purchase: Awaited<ReturnType<FinanceRepository['listParsedPurchases']>>[number]
+): string | null {
+  return purchase.cyclePeriod ?? periodFromInstant(purchase.occurredAt)
+}
+
+function buildPurchaseShareMap(input: {
+  purchase: Awaited<ReturnType<FinanceRepository['listParsedPurchases']>>[number]
+  amount: Money
+  activePurchaseParticipantIds: readonly string[]
+}): ReadonlyMap<string, Money> {
+  const shares = new Map<string, Money>()
+  const explicitParticipants =
+    input.purchase.participants?.filter((participant) => participant.included !== false) ?? []
+
+  if (explicitParticipants.length > 0) {
+    const explicitShares = explicitParticipants.filter(
+      (participant) => participant.shareAmountMinor !== null
+    )
+    if (explicitShares.length > 0) {
+      for (const participant of explicitShares) {
+        shares.set(
+          participant.memberId,
+          Money.fromMinor(participant.shareAmountMinor!, input.amount.currency)
+        )
+      }
+
+      return shares
+    }
+
+    const splitShares = input.amount.splitEvenly(explicitParticipants.length)
+    for (const [index, participant] of explicitParticipants.entries()) {
+      shares.set(participant.memberId, splitShares[index] ?? Money.zero(input.amount.currency))
+    }
+
+    return shares
+  }
+
+  const fallbackIds = input.activePurchaseParticipantIds
+  const splitShares = input.amount.splitEvenly(fallbackIds.length)
+  for (const [index, memberId] of fallbackIds.entries()) {
+    shares.set(memberId, splitShares[index] ?? Money.zero(input.amount.currency))
+  }
+
+  return shares
+}
+
+function sumAllocationMinor(
+  allocations: readonly FinancePaymentPurchaseAllocationRecord[],
+  purchaseId: string,
+  memberId: string
+): bigint {
+  return allocations
+    .filter(
+      (allocation) => allocation.purchaseId === purchaseId && allocation.memberId === memberId
+    )
+    .reduce((sum, allocation) => sum + allocation.amountMinor, 0n)
+}
+
 async function convertIntoCycleCurrency(
   dependencies: FinanceCommandServiceDependencies,
   input: {
@@ -289,6 +389,260 @@ async function convertIntoCycleCurrency(
   }
 }
 
+async function buildCycleBaseMemberLines(input: {
+  dependencies: FinanceCommandServiceDependencies
+  cycle: FinanceCycleRecord
+  members: readonly HouseholdMemberRecord[]
+  memberAbsencePolicies: readonly HouseholdMemberAbsencePolicyRecord[]
+  settings: HouseholdBillingSettingsRecord
+}): Promise<readonly CycleBaseMemberLine[]> {
+  const period = BillingPeriod.fromString(input.cycle.period)
+  const resolvedAbsencePolicies = resolveMemberAbsencePolicies({
+    members: input.members,
+    policies: input.memberAbsencePolicies,
+    period: input.cycle.period
+  })
+  const [rentRule, utilityBills, paymentRecords] = await Promise.all([
+    input.dependencies.repository.getRentRuleForPeriod(input.cycle.period),
+    input.dependencies.repository.listUtilityBillsForCycle(input.cycle.id),
+    input.dependencies.repository.listPaymentRecordsForCycle(input.cycle.id)
+  ])
+
+  const rentAmountMinor = rentRule?.amountMinor ?? 0n
+  const rentCurrency = rentRule?.currency ?? input.cycle.currency
+  const convertedRent = await convertIntoCycleCurrency(input.dependencies, {
+    cycle: input.cycle,
+    period,
+    lockDay: input.settings.rentWarningDay,
+    timezone: input.settings.timezone,
+    amount: Money.fromMinor(rentAmountMinor, rentCurrency)
+  })
+  const convertedUtilityBills = await Promise.all(
+    utilityBills.map(async (bill) => {
+      const converted = await convertIntoCycleCurrency(input.dependencies, {
+        cycle: input.cycle,
+        period,
+        lockDay: input.settings.utilitiesReminderDay,
+        timezone: input.settings.timezone,
+        amount: Money.fromMinor(bill.amountMinor, bill.currency)
+      })
+
+      return converted.settlementAmount
+    })
+  )
+
+  const utilities = convertedUtilityBills.reduce(
+    (sum, amount) => sum.add(amount),
+    Money.zero(input.cycle.currency)
+  )
+  const settlement = calculateMonthlySettlement({
+    cycleId: BillingCycleId.from(input.cycle.id),
+    period,
+    rent: convertedRent.settlementAmount,
+    utilities,
+    utilitySplitMode: 'equal',
+    members: input.members.map((member) => ({
+      memberId: MemberId.from(member.id),
+      active: member.status !== 'left',
+      participatesInRent:
+        member.status === 'left'
+          ? false
+          : (resolvedAbsencePolicies.get(member.id)?.policy ?? 'resident') !== 'inactive',
+      participatesInUtilities:
+        member.status === 'away'
+          ? (resolvedAbsencePolicies.get(member.id)?.policy ?? 'resident') ===
+            'away_rent_and_utilities'
+          : member.status !== 'left',
+      participatesInPurchases: member.status === 'active',
+      rentWeight: member.rentShareWeight
+    })),
+    purchases: []
+  })
+
+  const rentPaidByMemberId = new Map<string, Money>()
+  const utilityPaidByMemberId = new Map<string, Money>()
+  for (const payment of paymentRecords) {
+    const targetMap = payment.kind === 'rent' ? rentPaidByMemberId : utilityPaidByMemberId
+    const current = targetMap.get(payment.memberId) ?? Money.zero(input.cycle.currency)
+    targetMap.set(
+      payment.memberId,
+      current.add(Money.fromMinor(payment.amountMinor, payment.currency))
+    )
+  }
+
+  return settlement.lines.map((line) => ({
+    memberId: line.memberId.toString(),
+    rentShare: line.rentShare,
+    utilityShare: line.utilityShare,
+    rentPaid: rentPaidByMemberId.get(line.memberId.toString()) ?? Money.zero(input.cycle.currency),
+    utilityPaid:
+      utilityPaidByMemberId.get(line.memberId.toString()) ?? Money.zero(input.cycle.currency)
+  }))
+}
+
+async function computeMemberOverduePayments(input: {
+  dependencies: FinanceCommandServiceDependencies
+  currentCycle: FinanceCycleRecord
+  members: readonly HouseholdMemberRecord[]
+  memberAbsencePolicies: readonly HouseholdMemberAbsencePolicyRecord[]
+  settings: HouseholdBillingSettingsRecord
+}): Promise<ReadonlyMap<string, readonly FinanceMemberOverduePaymentRecord[]>> {
+  const localDate = localDateInTimezone(input.settings.timezone)
+  const overdueByMemberId = new Map<string, MutableOverdueSummary>()
+  const cycles = (await input.dependencies.repository.listCycles()).filter(
+    (cycle) => cycle.period.localeCompare(input.currentCycle.period) <= 0
+  )
+
+  for (const cycle of cycles) {
+    const baseLines = await buildCycleBaseMemberLines({
+      dependencies: input.dependencies,
+      cycle,
+      members: input.members,
+      memberAbsencePolicies: input.memberAbsencePolicies,
+      settings: input.settings
+    })
+    const rentDueDate = billingPeriodLockDate(
+      BillingPeriod.fromString(cycle.period),
+      input.settings.rentDueDay
+    )
+    const utilitiesDueDate = billingPeriodLockDate(
+      BillingPeriod.fromString(cycle.period),
+      input.settings.utilitiesDueDay
+    )
+
+    for (const line of baseLines) {
+      const current = overdueByMemberId.get(line.memberId) ?? {
+        rent: { amountMinor: 0n, periods: [] },
+        utilities: { amountMinor: 0n, periods: [] }
+      }
+
+      const rentRemainingMinor = line.rentShare.subtract(line.rentPaid).amountMinor
+      if (Temporal.PlainDate.compare(localDate, rentDueDate) > 0 && rentRemainingMinor > 0n) {
+        current.rent.amountMinor += rentRemainingMinor
+        current.rent.periods.push(cycle.period)
+      }
+
+      const utilityRemainingMinor = line.utilityShare.subtract(line.utilityPaid).amountMinor
+      if (
+        Temporal.PlainDate.compare(localDate, utilitiesDueDate) > 0 &&
+        utilityRemainingMinor > 0n
+      ) {
+        current.utilities.amountMinor += utilityRemainingMinor
+        current.utilities.periods.push(cycle.period)
+      }
+
+      overdueByMemberId.set(line.memberId, current)
+    }
+  }
+
+  return new Map(
+    [...overdueByMemberId.entries()].map(([memberId, overdue]) => {
+      const items: FinanceMemberOverduePaymentRecord[] = []
+      if (overdue.rent.amountMinor > 0n) {
+        items.push({
+          kind: 'rent',
+          amountMinor: overdue.rent.amountMinor,
+          periods: overdue.rent.periods
+        })
+      }
+      if (overdue.utilities.amountMinor > 0n) {
+        items.push({
+          kind: 'utilities',
+          amountMinor: overdue.utilities.amountMinor,
+          periods: overdue.utilities.periods
+        })
+      }
+
+      return [memberId, items] as const
+    })
+  )
+}
+
+async function resolveAutomaticPaymentTargets(input: {
+  dependencies: FinanceCommandServiceDependencies
+  currentCycle: FinanceCycleRecord
+  members: readonly HouseholdMemberRecord[]
+  memberAbsencePolicies: readonly HouseholdMemberAbsencePolicyRecord[]
+  settings: HouseholdBillingSettingsRecord
+  memberId: string
+  kind: FinancePaymentKind
+}): Promise<
+  readonly {
+    cycle: FinanceCycleRecord
+    baseRemainingMinor: bigint
+    allowOverflow: boolean
+  }[]
+> {
+  const localDate = localDateInTimezone(input.settings.timezone)
+  const cycles = (await input.dependencies.repository.listCycles()).filter(
+    (cycle) => cycle.period.localeCompare(input.currentCycle.period) <= 0
+  )
+  const overdueTargets: {
+    cycle: FinanceCycleRecord
+    baseRemainingMinor: bigint
+    allowOverflow: boolean
+  }[] = []
+
+  for (const cycle of cycles) {
+    const baseLine = (
+      await buildCycleBaseMemberLines({
+        dependencies: input.dependencies,
+        cycle,
+        members: input.members,
+        memberAbsencePolicies: input.memberAbsencePolicies,
+        settings: input.settings
+      })
+    ).find((line) => line.memberId === input.memberId)
+
+    if (!baseLine) {
+      continue
+    }
+
+    const dueDate = billingPeriodLockDate(
+      BillingPeriod.fromString(cycle.period),
+      input.kind === 'rent' ? input.settings.rentDueDay : input.settings.utilitiesDueDay
+    )
+    if (Temporal.PlainDate.compare(localDate, dueDate) <= 0) {
+      continue
+    }
+
+    const remainingMinor =
+      input.kind === 'rent'
+        ? baseLine.rentShare.subtract(baseLine.rentPaid).amountMinor
+        : baseLine.utilityShare.subtract(baseLine.utilityPaid).amountMinor
+
+    if (remainingMinor <= 0n) {
+      continue
+    }
+
+    overdueTargets.push({
+      cycle,
+      baseRemainingMinor: remainingMinor,
+      allowOverflow: false
+    })
+  }
+
+  const currentCycleAlreadyIncluded = overdueTargets.some(
+    (target) => target.cycle.id === input.currentCycle.id
+  )
+
+  if (currentCycleAlreadyIncluded) {
+    return overdueTargets.map((target, index) => ({
+      ...target,
+      allowOverflow: index === overdueTargets.length - 1
+    }))
+  }
+
+  return [
+    ...overdueTargets,
+    {
+      cycle: input.currentCycle,
+      baseRemainingMinor: 0n,
+      allowOverflow: true
+    }
+  ]
+}
+
 async function buildFinanceDashboard(
   dependencies: FinanceCommandServiceDependencies,
   periodArg?: string
@@ -323,15 +677,23 @@ async function buildFinanceDashboard(
     policies: memberAbsencePolicies,
     period: cycle.period
   })
-  const [purchases, utilityBills] = await Promise.all([
+  const [allPurchases, utilityBills, paymentPurchaseAllocations] = await Promise.all([
-    dependencies.repository.listParsedPurchasesForRange(start, end),
+    dependencies.repository.listParsedPurchases(),
-    dependencies.repository.listUtilityBillsForCycle(cycle.id)
+    dependencies.repository.listUtilityBillsForCycle(cycle.id),
+    dependencies.repository.listPaymentPurchaseAllocations()
   ])
   const paymentRecords = await dependencies.repository.listPaymentRecordsForCycle(cycle.id)
   const previousCycle = await dependencies.repository.getCycleByPeriod(period.previous().toString())
   const previousSnapshotLines = previousCycle
     ? await dependencies.repository.getSettlementSnapshotLines(previousCycle.id)
     : []
+  const overduePaymentsByMemberId = await computeMemberOverduePayments({
+    dependencies,
+    currentCycle: cycle,
+    members,
+    memberAbsencePolicies,
+    settings
+  })
   const previousUtilityShareByMemberId = new Map(
     previousSnapshotLines.map((line) => [
       line.memberId,
@@ -365,7 +727,7 @@ async function buildFinanceDashboard(
   )
 
   const convertedPurchases = await Promise.all(
-    purchases.map(async (purchase) => {
+    allPurchases.map(async (purchase) => {
       const converted = await convertIntoCycleCurrency(dependencies, {
         cycle,
         period,
@@ -381,6 +743,82 @@ async function buildFinanceDashboard(
     })
   )
 
+  const currentCyclePurchaseIds = new Set(
+    allPurchases
+      .filter((purchase) => {
+        if (purchase.cycleId === cycle.id || purchase.cyclePeriod === cycle.period) {
+          return true
+        }
+
+        if (purchase.cycleId) {
+          return false
+        }
+
+        if (!purchase.occurredAt) {
+          return false
+        }
+
+        return (
+          Temporal.Instant.compare(purchase.occurredAt, start) >= 0 &&
+          Temporal.Instant.compare(purchase.occurredAt, end) < 0
+        )
+      })
+      .map((purchase) => purchase.id)
+  )
+
+  const activePurchaseParticipantIds = members
+    .filter((member) => member.status === 'active')
+    .map((member) => member.id)
+
+  const purchaseHistory: PurchaseHistoryState[] = convertedPurchases.map(
+    ({ purchase, converted }) => {
+      const shareMap = buildPurchaseShareMap({
+        purchase,
+        amount: converted.settlementAmount,
+        activePurchaseParticipantIds
+      })
+      const outstandingEntries = [...shareMap.entries()]
+        .filter(([memberId]) => memberId !== purchase.payerMemberId)
+        .map(([memberId, shareAmount]) => {
+          const allocatedMinor = sumAllocationMinor(
+            paymentPurchaseAllocations,
+            purchase.id,
+            memberId
+          )
+          const outstandingMinor =
+            shareAmount.amountMinor > allocatedMinor ? shareAmount.amountMinor - allocatedMinor : 0n
+
+          return [
+            memberId,
+            Money.fromMinor(outstandingMinor, converted.settlementAmount.currency)
+          ] as const
+        })
+        .filter(([, amount]) => amount.amountMinor > 0n)
+
+      const outstandingByMemberId = new Map<string, Money>(outstandingEntries)
+      const outstandingTotal = outstandingEntries.reduce(
+        (sum, [, amount]) => sum.add(amount),
+        Money.zero(converted.settlementAmount.currency)
+      )
+      const resolvedAt =
+        outstandingEntries.length === 0
+          ? (paymentPurchaseAllocations
+              .filter((allocation) => allocation.purchaseId === purchase.id)
+              .map((allocation) => allocation.recordedAt.toString())
+              .sort()
+              .at(-1) ?? null)
+          : null
+
+      return {
+        purchase,
+        converted,
+        outstandingByMemberId,
+        outstandingTotal,
+        resolvedAt
+      }
+    }
+  )
+
   const utilities = convertedUtilityBills.reduce(
     (sum, current) => sum.add(current.converted.settlementAmount),
     Money.zero(cycle.currency)
@@ -407,41 +845,49 @@ async function buildFinanceDashboard(
       participatesInPurchases: member.status === 'active',
       rentWeight: member.rentShareWeight
     })),
-    purchases: convertedPurchases.map(({ purchase, converted }) => {
+    purchases: purchaseHistory
-      const nextPurchase: {
+      .filter(
-        purchaseId: PurchaseEntryId
+        ({ purchase, outstandingTotal }) =>
-        payerId: MemberId
+          currentCyclePurchaseIds.has(purchase.id) || outstandingTotal.amountMinor > 0n
-        amount: Money
+      )
-        splitMode: 'equal' | 'custom_amounts'
+      .map(({ purchase, converted, outstandingByMemberId, outstandingTotal }) => {
-        participants?: {
+        const nextPurchase: {
-          memberId: MemberId
+          purchaseId: PurchaseEntryId
-          shareAmount?: Money
+          payerId: MemberId
-        }[]
+          amount: Money
-      } = {
+          splitMode: 'equal' | 'custom_amounts'
-        purchaseId: PurchaseEntryId.from(purchase.id),
+          participants?: {
-        payerId: MemberId.from(purchase.payerMemberId),
+            memberId: MemberId
-        amount: converted.settlementAmount,
+            shareAmount?: Money
-        splitMode: purchase.splitMode ?? 'equal'
+          }[]
-      }
+        } = {
+          purchaseId: PurchaseEntryId.from(purchase.id),
+          payerId: MemberId.from(purchase.payerMemberId),
+          amount: currentCyclePurchaseIds.has(purchase.id)
+            ? converted.settlementAmount
+            : outstandingTotal,
+          splitMode: 'custom_amounts'
+        }
 
-      if (purchase.participants) {
+        const participantShareMap = currentCyclePurchaseIds.has(purchase.id)
-        nextPurchase.participants = purchase.participants
+          ? buildPurchaseShareMap({
-          .filter((participant) => participant.included !== false)
+              purchase,
-          .map((participant) => ({
+              amount: converted.settlementAmount,
-            memberId: MemberId.from(participant.memberId),
+              activePurchaseParticipantIds
-            ...(participant.shareAmountMinor !== null
+            })
-              ? {
+          : outstandingByMemberId
-                  shareAmount: Money.fromMinor(
+
-                    participant.shareAmountMinor,
+        nextPurchase.participants = [...participantShareMap.entries()]
-                    converted.settlementAmount.currency
+          .filter(([memberId]) =>
-                  )
+            currentCyclePurchaseIds.has(purchase.id) ? true : memberId !== purchase.payerMemberId
-                }
+          )
-              : {})
+          .map(([memberId, shareAmount]) => ({
+            memberId: MemberId.from(memberId),
+            shareAmount
           }))
-      }
 
-      return nextPurchase
+        return nextPurchase
-    })
+      })
   })
 
   await dependencies.repository.replaceSettlementSnapshot({
@@ -502,6 +948,12 @@ async function buildFinanceDashboard(
     remaining: line.netDue.subtract(
       paymentsByMemberId.get(line.memberId.toString()) ?? Money.zero(cycle.currency)
     ),
+    overduePayments:
+      overduePaymentsByMemberId.get(line.memberId.toString())?.map((overdue) => ({
+        kind: overdue.kind,
+        amountMinor: overdue.amountMinor,
+        periods: overdue.periods
+      })) ?? [],
     explanations: line.explanations
   }))
 
@@ -523,7 +975,7 @@ async function buildFinanceDashboard(
       occurredAt: bill.createdAt.toString(),
       paymentKind: null
     })),
-    ...convertedPurchases.map(({ purchase, converted }) => {
+    ...purchaseHistory.map(({ purchase, converted, outstandingByMemberId, resolvedAt }) => {
       const entry: FinanceDashboardLedgerEntry = {
         id: purchase.id,
         kind: 'purchase',
@@ -539,7 +991,14 @@ async function buildFinanceDashboard(
         actorDisplayName: memberNameById.get(purchase.payerMemberId) ?? null,
         occurredAt: purchase.occurredAt?.toString() ?? null,
         paymentKind: null,
-        purchaseSplitMode: purchase.splitMode ?? 'equal'
+        purchaseSplitMode: purchase.splitMode ?? 'equal',
+        originPeriod: purchaseOriginPeriod(purchase),
+        resolutionStatus: outstandingByMemberId.size === 0 ? 'resolved' : 'unresolved',
+        resolvedAt,
+        outstandingByMember: [...outstandingByMemberId.entries()].map(([memberId, amount]) => ({
+          memberId,
+          amount
+        }))
       }
 
       if (purchase.participants) {
@@ -606,6 +1065,97 @@ async function buildFinanceDashboard(
   }
 }
 
+async function allocatePaymentPurchaseOverage(input: {
+  dependencies: FinanceCommandServiceDependencies
+  cyclePeriod: string
+  memberId: string
+  kind: FinancePaymentKind
+  paymentAmount: Money
+  settings: HouseholdBillingSettingsRecord
+}): Promise<
+  readonly {
+    purchaseId: string
+    memberId: string
+    amountMinor: bigint
+  }[]
+> {
+  const policy = input.settings.paymentBalanceAdjustmentPolicy ?? 'utilities'
+  if (policy === 'separate' || policy !== input.kind) {
+    return []
+  }
+
+  const dashboard = await buildFinanceDashboard(input.dependencies, input.cyclePeriod)
+  if (!dashboard) {
+    return []
+  }
+
+  const memberLine = dashboard.members.find((member) => member.memberId === input.memberId)
+  if (!memberLine) {
+    return []
+  }
+
+  const baseAmount = input.kind === 'rent' ? memberLine.rentShare : memberLine.utilityShare
+  let remainingMinor = input.paymentAmount.amountMinor - baseAmount.amountMinor
+  if (remainingMinor <= 0n) {
+    return []
+  }
+
+  const purchaseEntries = dashboard.ledger
+    .filter(
+      (
+        entry
+      ): entry is FinanceDashboardLedgerEntry & {
+        kind: 'purchase'
+        outstandingByMember: readonly { memberId: string; amount: Money }[]
+      } =>
+        entry.kind === 'purchase' &&
+        entry.resolutionStatus === 'unresolved' &&
+        Array.isArray(entry.outstandingByMember)
+    )
+    .sort((left, right) => {
+      const leftKey = `${left.originPeriod ?? ''}:${left.occurredAt ?? ''}:${left.id}`
+      const rightKey = `${right.originPeriod ?? ''}:${right.occurredAt ?? ''}:${right.id}`
+      return leftKey.localeCompare(rightKey)
+    })
+
+  const allocations: {
+    purchaseId: string
+    memberId: string
+    amountMinor: bigint
+  }[] = []
+
+  for (const entry of purchaseEntries) {
+    const memberOutstanding = entry.outstandingByMember.find(
+      (outstanding) => outstanding.memberId === input.memberId
+    )
+    if (!memberOutstanding || memberOutstanding.amount.amountMinor <= 0n) {
+      continue
+    }
+
+    const allocatedMinor =
+      remainingMinor >= memberOutstanding.amount.amountMinor
+        ? memberOutstanding.amount.amountMinor
+        : remainingMinor
+
+    if (allocatedMinor <= 0n) {
+      continue
+    }
+
+    allocations.push({
+      purchaseId: entry.id,
+      memberId: input.memberId,
+      amountMinor: allocatedMinor
+    })
+    remainingMinor -= allocatedMinor
+
+    if (remainingMinor === 0n) {
+      break
+    }
+  }
+
+  return allocations
+}
+
 export interface FinanceCommandService {
   getMemberByTelegramUserId(telegramUserId: string): Promise<FinanceMemberRecord | null>
   getOpenCycle(): Promise<FinanceCycleRecord | null>
@@ -685,7 +1235,8 @@ export interface FinanceCommandService {
     memberId: string,
     kind: FinancePaymentKind,
     amountArg: string,
-    currencyArg?: string
+    currencyArg?: string,
+    periodArg?: string
   ): Promise<{
     paymentId: string
     amount: Money
@@ -1019,28 +1570,100 @@ export function createFinanceCommandService(
       return repository.deleteParsedPurchase(purchaseId)
     },
 
-    async addPayment(memberId, kind, amountArg, currencyArg) {
+    async addPayment(memberId, kind, amountArg, currencyArg, periodArg) {
-      const [openCycle, settings] = await Promise.all([
+      const [settings, members, memberAbsencePolicies] = await Promise.all([
-        ensureExpectedCycle(),
+        householdConfigurationRepository.getHouseholdBillingSettings(dependencies.householdId),
-        householdConfigurationRepository.getHouseholdBillingSettings(dependencies.householdId)
+        householdConfigurationRepository.listHouseholdMembers(dependencies.householdId),
+        householdConfigurationRepository.listHouseholdMemberAbsencePolicies(
+          dependencies.householdId
+        )
       ])
+      const currentCycle = periodArg
+        ? await repository.getCycleByPeriod(BillingPeriod.fromString(periodArg).toString())
+        : await ensureExpectedCycle()
+
+      if (!currentCycle) {
+        return null
+      }
 
       const currency = parseCurrency(currencyArg, settings.settlementCurrency)
       const amount = Money.fromMajor(amountArg, currency)
-      const payment = await repository.addPaymentRecord({
+      const paymentTargets = periodArg
-        cycleId: openCycle.id,
+        ? [
-        memberId,
+            {
-        kind,
+              cycle: currentCycle,
-        amountMinor: amount.amountMinor,
+              baseRemainingMinor: 0n,
-        currency,
+              allowOverflow: true
-        recordedAt: nowInstant()
+            }
-      })
+          ]
+        : await resolveAutomaticPaymentTargets({
+            dependencies,
+            currentCycle,
+            members,
+            memberAbsencePolicies,
+            settings,
+            memberId,
+            kind
+          })
+
+      let remainingMinor = amount.amountMinor
+      let firstPayment: Awaited<ReturnType<FinanceRepository['addPaymentRecord']>> | null = null
+
+      for (const target of paymentTargets) {
+        if (remainingMinor <= 0n) {
+          break
+        }
+
+        const amountMinor =
+          target.allowOverflow || target.baseRemainingMinor <= 0n
+            ? remainingMinor
+            : remainingMinor > target.baseRemainingMinor
+              ? target.baseRemainingMinor
+              : remainingMinor
+
+        if (amountMinor <= 0n) {
+          continue
+        }
+
+        const payment = await repository.addPaymentRecord({
+          cycleId: target.cycle.id,
+          memberId,
+          kind,
+          amountMinor,
+          currency,
+          recordedAt: nowInstant()
+        })
+        if (!firstPayment) {
+          firstPayment = payment
+        }
+
+        const allocations = target.allowOverflow
+          ? await allocatePaymentPurchaseOverage({
+              dependencies,
+              cyclePeriod: target.cycle.period,
+              memberId,
+              kind,
+              paymentAmount: Money.fromMinor(amountMinor, currency),
+              settings
+            })
+          : []
+        await repository.replacePaymentPurchaseAllocations({
+          paymentRecordId: payment.id,
+          allocations
+        })
+
+        remainingMinor -= amountMinor
+      }
+
+      if (!firstPayment) {
+        return null
+      }
 
       return {
-        paymentId: payment.id,
+        paymentId: firstPayment.id,
         amount,
         currency,
-        period: openCycle.period
+        period: firstPayment.cyclePeriod ?? currentCycle.period
       }
     },
 
@@ -1050,6 +1673,10 @@ export function createFinanceCommandService(
       )
       const currency = parseCurrency(currencyArg, settings.settlementCurrency)
       const amount = Money.fromMajor(amountArg, currency)
+      const existingPayment = await repository.getPaymentRecord(paymentId)
+      if (!existingPayment) {
+        return null
+      }
       const payment = await repository.updatePaymentRecord({
         paymentId,
         memberId,
@@ -1062,6 +1689,25 @@ export function createFinanceCommandService(
         return null
       }
 
+      await repository.replacePaymentPurchaseAllocations({
+        paymentRecordId: paymentId,
+        allocations: []
+      })
+
+      const allocations = await allocatePaymentPurchaseOverage({
+        dependencies,
+        cyclePeriod:
+          existingPayment.cyclePeriod ?? expectedOpenCyclePeriod(settings, nowInstant()).toString(),
+        memberId,
+        kind,
+        paymentAmount: amount,
+        settings
+      })
+      await repository.replacePaymentPurchaseAllocations({
+        paymentRecordId: paymentId,
+        allocations
+      })
+
       return {
         paymentId: payment.id,
         amount,

packages/application/src/household-admin-service.test.ts

@@ -183,6 +183,7 @@ function createRepositoryStub() {
       isActive: input.isActive
     }),
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],

packages/application/src/household-onboarding-service.test.ts

@@ -207,6 +207,9 @@ function createRepositoryStub() {
     async promoteHouseholdAdmin() {
       return null
     },
+    async demoteHouseholdAdmin() {
+      return null
+    },
     async updateHouseholdMemberRentShareWeight() {
       return null
     },

packages/application/src/household-setup-service.test.ts

@@ -316,6 +316,21 @@ function createRepositoryStub() {
       members.set(`${householdId}:${member.telegramUserId}`, next)
       return next
     },
+    async demoteHouseholdAdmin(householdId, memberId) {
+      const member = [...members.values()].find(
+        (entry) => entry.householdId === householdId && entry.id === memberId
+      )
+      if (!member) {
+        return null
+      }
+
+      const next = {
+        ...member,
+        isAdmin: false
+      }
+      members.set(`${householdId}:${member.telegramUserId}`, next)
+      return next
+    },
 
     async updateHouseholdMemberRentShareWeight(householdId, memberId, rentShareWeight) {
       const member = [...members.values()].find(

packages/application/src/locale-preference-service.test.ts

@@ -117,6 +117,7 @@ function createRepository(): HouseholdConfigurationRepository {
       isActive: input.isActive
     }),
     promoteHouseholdAdmin: async () => null,
+    demoteHouseholdAdmin: async () => null,
     updateHouseholdMemberRentShareWeight: async () => null,
     updateHouseholdMemberStatus: async () => null,
     listHouseholdMemberAbsencePolicies: async () => [],

packages/application/src/miniapp-admin-service.test.ts

@@ -215,6 +215,20 @@ function repository(): HouseholdConfigurationRepository {
             isAdmin: true
           }
         : null,
+    demoteHouseholdAdmin: async (householdId, memberId) =>
+      memberId === 'member-123456'
+        ? {
+            id: memberId,
+            householdId,
+            telegramUserId: '123456',
+            displayName: 'Stan',
+            status: 'active',
+            preferredLocale: null,
+            householdDefaultLocale: 'ru',
+            rentShareWeight: 1,
+            isAdmin: false
+          }
+        : null,
     updateHouseholdMemberRentShareWeight: async (_householdId, memberId, rentShareWeight) =>
       memberId === 'member-123456'
         ? {
@@ -512,6 +526,87 @@ describe('createMiniAppAdminService', () => {
     })
   })
 
+  test('demotes a household admin when another admin still exists', async () => {
+    const service = createMiniAppAdminService({
+      ...repository(),
+      listHouseholdMembers: async () => [
+        {
+          id: 'member-123456',
+          householdId: 'household-1',
+          telegramUserId: '123456',
+          displayName: 'Stan',
+          status: 'active',
+          preferredLocale: null,
+          householdDefaultLocale: 'ru',
+          rentShareWeight: 1,
+          isAdmin: true
+        },
+        {
+          id: 'member-999999',
+          householdId: 'household-1',
+          telegramUserId: '999999',
+          displayName: 'Mia',
+          status: 'active',
+          preferredLocale: null,
+          householdDefaultLocale: 'ru',
+          rentShareWeight: 1,
+          isAdmin: true
+        }
+      ]
+    })
+
+    const result = await service.demoteMemberFromAdmin({
+      householdId: 'household-1',
+      actorIsAdmin: true,
+      memberId: 'member-123456'
+    })
+
+    expect(result).toEqual({
+      status: 'ok',
+      member: {
+        id: 'member-123456',
+        householdId: 'household-1',
+        telegramUserId: '123456',
+        displayName: 'Stan',
+        status: 'active',
+        preferredLocale: null,
+        householdDefaultLocale: 'ru',
+        rentShareWeight: 1,
+        isAdmin: false
+      }
+    })
+  })
+
+  test('rejects demoting the last household admin', async () => {
+    const service = createMiniAppAdminService({
+      ...repository(),
+      listHouseholdMembers: async () => [
+        {
+          id: 'member-123456',
+          householdId: 'household-1',
+          telegramUserId: '123456',
+          displayName: 'Stan',
+          status: 'active',
+          preferredLocale: null,
+          householdDefaultLocale: 'ru',
+          rentShareWeight: 1,
+          isAdmin: true
+        }
+      ]
+    })
+
+    const result = await service.demoteMemberFromAdmin({
+      householdId: 'household-1',
+      actorIsAdmin: true,
+      memberId: 'member-123456'
+    })
+
+    expect(result).toEqual({
+      status: 'rejected',
+      reason: 'last_admin'
+    })
+  })
+
   test('updates the acting member display name', async () => {
     const service = createMiniAppAdminService(repository())
 

packages/application/src/miniapp-admin-service.ts

@@ -173,6 +173,20 @@ export interface MiniAppAdminService {
         reason: 'not_admin' | 'member_not_found'
       }
   >
+  demoteMemberFromAdmin(input: {
+    householdId: string
+    actorIsAdmin: boolean
+    memberId: string
+  }): Promise<
+    | {
+        status: 'ok'
+        member: HouseholdMemberRecord
+      }
+    | {
+        status: 'rejected'
+        reason: 'not_admin' | 'member_not_found' | 'last_admin'
+      }
+  >
   updateMemberRentShareWeight(input: {
     householdId: string
     actorIsAdmin: boolean
@@ -649,6 +663,47 @@ export function createMiniAppAdminService(
       }
     },
 
+    async demoteMemberFromAdmin(input) {
+      if (!input.actorIsAdmin) {
+        return {
+          status: 'rejected',
+          reason: 'not_admin'
+        }
+      }
+
+      const members = await repository.listHouseholdMembers(input.householdId)
+      const targetMember = members.find((member) => member.id === input.memberId)
+      if (!targetMember) {
+        return {
+          status: 'rejected',
+          reason: 'member_not_found'
+        }
+      }
+
+      const adminCount = members.filter((member) => member.isAdmin).length
+      if (targetMember.isAdmin && adminCount <= 1) {
+        return {
+          status: 'rejected',
+          reason: 'last_admin'
+        }
+      }
+
+      const member = targetMember.isAdmin
+        ? await repository.demoteHouseholdAdmin(input.householdId, input.memberId)
+        : targetMember
+      if (!member) {
+        return {
+          status: 'rejected',
+          reason: 'member_not_found'
+        }
+      }
+
+      return {
+        status: 'ok',
+        member
+      }
+    },
+
     async updateMemberRentShareWeight(input) {
       if (!input.actorIsAdmin) {
         return {

packages/application/src/payment-confirmation-service.test.ts

@@ -86,6 +86,8 @@ function createRepositoryStub(): Pick<
         status: 'recorded',
         paymentRecord: {
           id: 'payment-1',
+          cycleId: input.cycleId,
+          cyclePeriod: null,
           memberId: input.memberId,
           kind: input.kind,
           amountMinor: input.amountMinor,
@@ -137,6 +139,7 @@ describe('createPaymentConfirmationService', () => {
               netDue: Money.fromMajor('500.50', 'GEL'),
               paid: Money.zero('GEL'),
               remaining: Money.fromMajor('500.50', 'GEL'),
+              overduePayments: [],
               explanations: []
             }
           ],
@@ -206,6 +209,7 @@ describe('createPaymentConfirmationService', () => {
               netDue: Money.fromMajor('500.50', 'GEL'),
               paid: Money.zero('GEL'),
               remaining: Money.fromMajor('500.50', 'GEL'),
+              overduePayments: [],
               explanations: []
             }
           ],

packages/db/drizzle-checksums.json

@@ -23,6 +23,7 @@
     "0019_faithful_madame_masque.sql": "38711341799b04a7c47fcc64fd19faf5b26e6f183d6a4c01d492b9929cd63641",
     "0020_natural_mauler.sql": "a80a4a0196a3b4931040850089346d1bc99b34a5afca77d6d62478ee4b8902c1",
     "0020_silver_payments.sql": "9686235c75453f1eaa016f2f4ab7fce8fe964c76a4e3515987a2b9f90bd7b1ad",
-    "0021_sharp_payer.sql": "973596e154382984ba7769979ea58298b6d93c5139540854be01e8b283ddb4f1"
+    "0021_sharp_payer.sql": "973596e154382984ba7769979ea58298b6d93c5139540854be01e8b283ddb4f1",
+    "0022_carry_purchase_history.sql": "f031c9736e43e71eec3263a323332c29de9324c6409db034b0760051c8a9f074"
   }
 }

packages/db/drizzle/0022_carry_purchase_history.sql

@@ -0,0 +1,34 @@
+ALTER TABLE "purchase_messages"
+ADD COLUMN "cycle_id" uuid REFERENCES "billing_cycles"("id") ON DELETE SET NULL;
+--> statement-breakpoint
+CREATE INDEX "purchase_messages_cycle_idx" ON "purchase_messages" USING btree ("cycle_id");
+--> statement-breakpoint
+CREATE TABLE "payment_purchase_allocations" (
+  "id" uuid PRIMARY KEY DEFAULT gen_random_uuid() NOT NULL,
+  "payment_record_id" uuid NOT NULL,
+  "purchase_id" uuid NOT NULL,
+  "member_id" uuid NOT NULL,
+  "amount_minor" bigint NOT NULL,
+  "created_at" timestamp with time zone DEFAULT now() NOT NULL
+);
+--> statement-breakpoint
+ALTER TABLE "payment_purchase_allocations"
+ADD CONSTRAINT "payment_purchase_allocations_payment_record_id_payment_records_id_fk"
+FOREIGN KEY ("payment_record_id") REFERENCES "public"."payment_records"("id")
+ON DELETE cascade ON UPDATE no action;
+--> statement-breakpoint
+ALTER TABLE "payment_purchase_allocations"
+ADD CONSTRAINT "payment_purchase_allocations_purchase_id_purchase_messages_id_fk"
+FOREIGN KEY ("purchase_id") REFERENCES "public"."purchase_messages"("id")
+ON DELETE cascade ON UPDATE no action;
+--> statement-breakpoint
+ALTER TABLE "payment_purchase_allocations"
+ADD CONSTRAINT "payment_purchase_allocations_member_id_members_id_fk"
+FOREIGN KEY ("member_id") REFERENCES "public"."members"("id")
+ON DELETE cascade ON UPDATE no action;
+--> statement-breakpoint
+CREATE INDEX "payment_purchase_allocations_payment_idx"
+ON "payment_purchase_allocations" USING btree ("payment_record_id");
+--> statement-breakpoint
+CREATE INDEX "payment_purchase_allocations_purchase_member_idx"
+ON "payment_purchase_allocations" USING btree ("purchase_id","member_id");

packages/db/drizzle/meta/_journal.json

@@ -155,6 +155,13 @@
       "when": 1774200000000,
       "tag": "0021_sharp_payer",
       "breakpoints": true
+    },
+    {
+      "idx": 22,
+      "version": "7",
+      "when": 1774205000000,
+      "tag": "0022_carry_purchase_history",
+      "breakpoints": true
     }
   ]
 }

packages/db/src/schema.ts

@@ -414,6 +414,9 @@ export const purchaseMessages = pgTable(
     householdId: uuid('household_id')
       .notNull()
       .references(() => households.id, { onDelete: 'cascade' }),
+    cycleId: uuid('cycle_id').references(() => billingCycles.id, {
+      onDelete: 'set null'
+    }),
     senderMemberId: uuid('sender_member_id').references(() => members.id, {
       onDelete: 'set null'
     }),
@@ -444,6 +447,7 @@ export const purchaseMessages = pgTable(
       table.householdId,
       table.telegramThreadId
     ),
+    cycleIdx: index('purchase_messages_cycle_idx').on(table.cycleId),
     senderIdx: index('purchase_messages_sender_idx').on(table.senderTelegramUserId),
     tgMessageUnique: uniqueIndex('purchase_messages_household_tg_message_unique').on(
       table.householdId,
@@ -662,6 +666,31 @@ export const paymentRecords = pgTable(
   })
 )
 
+export const paymentPurchaseAllocations = pgTable(
+  'payment_purchase_allocations',
+  {
+    id: uuid('id').defaultRandom().primaryKey(),
+    paymentRecordId: uuid('payment_record_id')
+      .notNull()
+      .references(() => paymentRecords.id, { onDelete: 'cascade' }),
+    purchaseId: uuid('purchase_id')
+      .notNull()
+      .references(() => purchaseMessages.id, { onDelete: 'cascade' }),
+    memberId: uuid('member_id')
+      .notNull()
+      .references(() => members.id, { onDelete: 'cascade' }),
+    amountMinor: bigint('amount_minor', { mode: 'bigint' }).notNull(),
+    createdAt: timestamp('created_at', { withTimezone: true }).defaultNow().notNull()
+  },
+  (table) => ({
+    paymentIdx: index('payment_purchase_allocations_payment_idx').on(table.paymentRecordId),
+    purchaseMemberIdx: index('payment_purchase_allocations_purchase_member_idx').on(
+      table.purchaseId,
+      table.memberId
+    )
+  })
+)
+
 export const settlements = pgTable(
   'settlements',
   {
@@ -732,4 +761,5 @@ export type TopicMessage = typeof topicMessages.$inferSelect
 export type AnonymousMessage = typeof anonymousMessages.$inferSelect
 export type PaymentConfirmation = typeof paymentConfirmations.$inferSelect
 export type PaymentRecord = typeof paymentRecords.$inferSelect
+export type PaymentPurchaseAllocation = typeof paymentPurchaseAllocations.$inferSelect
 export type Settlement = typeof settlements.$inferSelect

packages/ports/src/finance.ts

@@ -14,6 +14,12 @@ export interface FinanceCycleRecord {
   currency: CurrencyCode
 }
 
+export interface FinanceMemberOverduePaymentRecord {
+  kind: FinancePaymentKind
+  amountMinor: bigint
+  periods: readonly string[]
+}
+
 export interface FinanceCycleExchangeRateRecord {
   cycleId: string
   sourceCurrency: CurrencyCode
@@ -30,6 +36,8 @@ export interface FinanceRentRuleRecord {
 
 export interface FinanceParsedPurchaseRecord {
   id: string
+  cycleId: string | null
+  cyclePeriod?: string | null
   payerMemberId: string
   amountMinor: bigint
   currency: CurrencyCode
@@ -44,6 +52,15 @@ export interface FinanceParsedPurchaseRecord {
   }[]
 }
 
+export interface FinancePaymentPurchaseAllocationRecord {
+  id: string
+  paymentRecordId: string
+  purchaseId: string
+  memberId: string
+  amountMinor: bigint
+  recordedAt: Instant
+}
+
 export interface FinanceUtilityBillRecord {
   id: string
   billName: string
@@ -57,6 +74,8 @@ export type FinancePaymentKind = 'rent' | 'utilities'
 
 export interface FinancePaymentRecord {
   id: string
+  cycleId: string
+  cyclePeriod?: string | null
   memberId: string
   kind: FinancePaymentKind
   amountMinor: bigint
@@ -151,6 +170,7 @@ export interface SettlementSnapshotRecord {
 export interface FinanceRepository {
   getMemberByTelegramUserId(telegramUserId: string): Promise<FinanceMemberRecord | null>
   listMembers(): Promise<readonly FinanceMemberRecord[]>
+  listCycles(): Promise<readonly FinanceCycleRecord[]>
   getOpenCycle(): Promise<FinanceCycleRecord | null>
   getCycleByPeriod(period: string): Promise<FinanceCycleRecord | null>
   getLatestCycle(): Promise<FinanceCycleRecord | null>
@@ -215,6 +235,15 @@ export interface FinanceRepository {
     currency: CurrencyCode
     recordedAt: Instant
   }): Promise<FinancePaymentRecord>
+  getPaymentRecord(paymentId: string): Promise<FinancePaymentRecord | null>
+  replacePaymentPurchaseAllocations(input: {
+    paymentRecordId: string
+    allocations: readonly {
+      purchaseId: string
+      memberId: string
+      amountMinor: bigint
+    }[]
+  }): Promise<void>
   updatePaymentRecord(input: {
     paymentId: string
     memberId: string
@@ -231,6 +260,8 @@ export interface FinanceRepository {
     start: Instant,
     end: Instant
   ): Promise<readonly FinanceParsedPurchaseRecord[]>
+  listParsedPurchases(): Promise<readonly FinanceParsedPurchaseRecord[]>
+  listPaymentPurchaseAllocations(): Promise<readonly FinancePaymentPurchaseAllocationRecord[]>
   getSettlementSnapshotLines(
     cycleId: string
   ): Promise<readonly FinanceSettlementSnapshotLineRecord[]>

packages/ports/src/household-config.ts

@@ -252,6 +252,7 @@ export interface HouseholdConfigurationRepository {
     householdId: string,
     memberId: string
   ): Promise<HouseholdMemberRecord | null>
+  demoteHouseholdAdmin(householdId: string, memberId: string): Promise<HouseholdMemberRecord | null>
   updateHouseholdMemberRentShareWeight(
     householdId: string,
     memberId: string,

packages/ports/src/index.ts

@@ -45,11 +45,13 @@ export type {
 } from './anonymous-feedback'
 export type {
   FinanceCycleRecord,
+  FinanceMemberOverduePaymentRecord,
   FinanceCycleExchangeRateRecord,
   FinancePaymentConfirmationReviewReason,
   FinancePaymentConfirmationSaveInput,
   FinancePaymentConfirmationSaveResult,
   FinancePaymentKind,
+  FinancePaymentPurchaseAllocationRecord,
   FinancePaymentRecord,
   FinanceSettlementSnapshotLineRecord,
   FinanceMemberRecord,