diff --git a/apps/bot/src/miniapp-dashboard.ts b/apps/bot/src/miniapp-dashboard.ts
index 84890d5..6839438 100644
--- a/apps/bot/src/miniapp-dashboard.ts
+++ b/apps/bot/src/miniapp-dashboard.ts
@@ -124,6 +124,27 @@ export function createMiniAppDashboardHandler(options: {
                 })),
                 explanations: line.explanations
               })),
+              paymentPeriods: (dashboard.paymentPeriods ?? []).map((period) => ({
+                period: period.period,
+                utilityTotalMajor: period.utilityTotal.toMajorString(),
+                hasOverdueBalance: period.hasOverdueBalance,
+                isCurrentPeriod: period.isCurrentPeriod,
+                kinds: period.kinds.map((kind) => ({
+                  kind: kind.kind,
+                  totalDueMajor: kind.totalDue.toMajorString(),
+                  totalPaidMajor: kind.totalPaid.toMajorString(),
+                  totalRemainingMajor: kind.totalRemaining.toMajorString(),
+                  unresolvedMembers: kind.unresolvedMembers.map((member) => ({
+                    memberId: member.memberId,
+                    displayName: member.displayName,
+                    suggestedAmountMajor: member.suggestedAmount.toMajorString(),
+                    baseDueMajor: member.baseDue.toMajorString(),
+                    paidMajor: member.paid.toMajorString(),
+                    remainingMajor: member.remaining.toMajorString(),
+                    effectivelySettled: member.effectivelySettled
+                  }))
+                }))
+              })),
               ledger: dashboard.ledger.map((entry) => ({
                 id: entry.id,
                 kind: entry.kind,
diff --git a/apps/miniapp/src/components/layout/shell.tsx b/apps/miniapp/src/components/layout/shell.tsx
index c2f5a54..5675a9f 100644
--- a/apps/miniapp/src/components/layout/shell.tsx
+++ b/apps/miniapp/src/components/layout/shell.tsx
@@ -5,6 +5,7 @@ import { Settings } from 'lucide-solid'
 import { useSession } from '../../contexts/session-context'
 import { useI18n } from '../../contexts/i18n-context'
 import { useDashboard } from '../../contexts/dashboard-context'
+import { formatCyclePeriod } from '../../lib/dates'
 import { NavigationTabs } from './navigation-tabs'
 import { Badge } from '../ui/badge'
 import { Button, IconButton } from '../ui/button'
@@ -234,7 +235,9 @@ export function AppShell(props: ParentProps) {
           </Show>
           <article class="testing-card__section">
             <span>{copy().testingPeriodCurrentLabel ?? ''}</span>
-            <strong>{dashboard()?.period ?? '—'}</strong>
+            <strong>
+              {dashboard()?.period ? formatCyclePeriod(dashboard()!.period, locale()) : '—'}
+            </strong>
           </article>
           <div class="testing-card__actions testing-card__actions--stack">
             <Field label={copy().testingPeriodOverrideLabel ?? ''} wide>
diff --git a/apps/miniapp/src/demo/miniapp-demo.ts b/apps/miniapp/src/demo/miniapp-demo.ts
index 26acafb..2571336 100644
--- a/apps/miniapp/src/demo/miniapp-demo.ts
+++ b/apps/miniapp/src/demo/miniapp-demo.ts
@@ -377,6 +377,59 @@ function createDashboard(state: {
   members: MiniAppDashboard['members']
   ledger?: MiniAppDashboard['ledger']
 }): MiniAppDashboard {
+  const paymentPeriods: MiniAppDashboard['paymentPeriods'] = [
+    {
+      period: '2026-03',
+      utilityTotalMajor: '286.00',
+      hasOverdueBalance: state.members.some((member) => member.overduePayments.length > 0),
+      isCurrentPeriod: true,
+      kinds: [
+        {
+          kind: 'rent',
+          totalDueMajor: state.members
+            .reduce((sum, member) => sum + Number(member.rentShareMajor), 0)
+            .toFixed(2),
+          totalPaidMajor: '0.00',
+          totalRemainingMajor: state.members
+            .reduce((sum, member) => sum + Number(member.rentShareMajor), 0)
+            .toFixed(2),
+          unresolvedMembers: state.members
+            .filter((member) => Number(member.rentShareMajor) > 0)
+            .map((member) => ({
+              memberId: member.memberId,
+              displayName: member.displayName,
+              suggestedAmountMajor: member.rentShareMajor,
+              baseDueMajor: member.rentShareMajor,
+              paidMajor: '0.00',
+              remainingMajor: member.rentShareMajor,
+              effectivelySettled: false
+            }))
+        },
+        {
+          kind: 'utilities',
+          totalDueMajor: state.members
+            .reduce((sum, member) => sum + Number(member.utilityShareMajor), 0)
+            .toFixed(2),
+          totalPaidMajor: '0.00',
+          totalRemainingMajor: state.members
+            .reduce((sum, member) => sum + Number(member.utilityShareMajor), 0)
+            .toFixed(2),
+          unresolvedMembers: state.members
+            .filter((member) => Number(member.utilityShareMajor) > 0)
+            .map((member) => ({
+              memberId: member.memberId,
+              displayName: member.displayName,
+              suggestedAmountMajor: member.utilityShareMajor,
+              baseDueMajor: member.utilityShareMajor,
+              paidMajor: '0.00',
+              remainingMajor: member.utilityShareMajor,
+              effectivelySettled: false
+            }))
+        }
+      ]
+    }
+  ]
+
   return {
     period: '2026-03',
     currency: 'GEL',
@@ -396,6 +449,7 @@ function createDashboard(state: {
     rentFxRateMicros: '2760000',
     rentFxEffectiveDate: '2026-03-17',
     members: state.members,
+    paymentPeriods,
     ledger: state.ledger ?? baseLedger()
   }
 }
diff --git a/apps/miniapp/src/i18n.ts b/apps/miniapp/src/i18n.ts
index 46d60c5..64764ad 100644
--- a/apps/miniapp/src/i18n.ts
+++ b/apps/miniapp/src/i18n.ts
@@ -133,6 +133,7 @@ export const dictionary = {
     purchasesTitle: 'Shared purchases',
     purchasesEmpty: 'No shared purchases recorded for this cycle yet.',
     utilityLedgerTitle: 'Utility bills',
+    utilityHistoryTitle: 'Utilities by period',
     utilityLedgerEmpty: 'No utility bills recorded for this cycle yet.',
     paymentsTitle: 'Payments',
     paymentsEmpty: 'No payment confirmations recorded for this cycle yet.',
@@ -193,8 +194,17 @@ export const dictionary = {
     purchaseEditorBody: 'Review the purchase details and adjust the split only when needed.',
     purchasePayerLabel: 'Paid by',
     paymentsAdminTitle: 'Payments',
-    paymentsAdminBody: 'Add, fix, or remove payment records for the current cycle.',
+    paymentsAdminBody:
+      'Resolve open rent and utility obligations period by period, or add a custom payment when needed.',
     paymentsAddAction: 'Add payment',
+    paymentsResolveAction: 'Resolve',
+    paymentsCustomAmountAction: 'Custom amount',
+    paymentsHistoryTitle: 'Payment history',
+    paymentsPeriodTitle: 'Period {period}',
+    paymentsPeriodCurrentBody: 'Current payment obligations for this billing period.',
+    paymentsPeriodOverdueBody: 'This period still has overdue base rent or utility payments.',
+    paymentsPeriodHistoryBody: 'Review and resolve older payment periods from here.',
+    paymentsBaseDueLabel: 'Base due {amount} · Remaining {remaining}',
     copiedToast: 'Copied!',
     quickPaymentTitle: 'Record payment',
     quickPaymentBody: 'Quickly record a {type} payment for the current cycle.',
@@ -513,6 +523,7 @@ export const dictionary = {
     purchasesTitle: 'Общие покупки',
     purchasesEmpty: 'Пока нет общих покупок в этом цикле.',
     utilityLedgerTitle: 'Коммунальные платежи',
+    utilityHistoryTitle: 'Коммуналка по периодам',
     utilityLedgerEmpty: 'Пока нет коммунальных платежей в этом цикле.',
     paymentsTitle: 'Оплаты',
     paymentsEmpty: 'В этом цикле пока нет подтверждённых оплат.',
@@ -575,8 +586,17 @@ export const dictionary = {
       'Проверь покупку и меняй детали разделения только если это действительно нужно.',
     purchasePayerLabel: 'Оплатил',
     paymentsAdminTitle: 'Оплаты',
-    paymentsAdminBody: 'Добавляй, исправляй или удаляй оплаты за текущий цикл.',
+    paymentsAdminBody:
+      'Закрывай открытые платежи по аренде и коммуналке по периодам или добавляй оплату с произвольной суммой.',
     paymentsAddAction: 'Добавить оплату',
+    paymentsResolveAction: 'Закрыть',
+    paymentsCustomAmountAction: 'Своя сумма',
+    paymentsHistoryTitle: 'История оплат',
+    paymentsPeriodTitle: 'Период {period}',
+    paymentsPeriodCurrentBody: 'Текущие обязательства по оплатам за этот биллинговый период.',
+    paymentsPeriodOverdueBody: 'В этом периоде остались просроченные базовые оплаты.',
+    paymentsPeriodHistoryBody: 'Здесь можно быстро проверить и закрыть старые периоды.',
+    paymentsBaseDueLabel: 'База {amount} · Осталось {remaining}',
     copiedToast: 'Скопировано!',
     quickPaymentTitle: 'Записать оплату',
     quickPaymentBody: 'Быстро запиши оплату {type} за текущий цикл.',
diff --git a/apps/miniapp/src/index.css b/apps/miniapp/src/index.css
index 4b83b10..c6488d4 100644
--- a/apps/miniapp/src/index.css
+++ b/apps/miniapp/src/index.css
@@ -589,11 +589,13 @@ a {
 .ui-badge {
   display: inline-flex;
   align-items: center;
+  justify-content: center;
   padding: 2px 8px;
   border-radius: var(--radius-full);
   font-size: var(--text-xs);
   font-weight: 600;
   letter-spacing: 0.02em;
+  white-space: nowrap;
   background: var(--accent-soft);
   color: var(--accent);
   border: none;
@@ -739,7 +741,8 @@ a {
   transition: transform var(--transition-base);
 }
 
-.ui-collapsible[data-expanded] .ui-collapsible__chevron {
+.ui-collapsible__trigger[data-expanded] .ui-collapsible__chevron,
+.ui-collapsible__trigger[aria-expanded='true'] .ui-collapsible__chevron {
   transform: rotate(180deg);
 }
 
@@ -1532,6 +1535,15 @@ a {
   flex-direction: column;
 }
 
+.editable-list-section-title {
+  font-size: var(--text-xs);
+  font-weight: 700;
+  letter-spacing: 0.04em;
+  text-transform: uppercase;
+  color: var(--text-secondary);
+  margin-bottom: var(--spacing-sm);
+}
+
 .editable-list-row {
   display: flex;
   justify-content: space-between;
@@ -1554,6 +1566,15 @@ a {
   background: var(--bg-input);
 }
 
+.editable-list-row--static {
+  cursor: default;
+}
+
+.editable-list-row--stacked {
+  align-items: flex-start;
+  gap: var(--spacing-sm);
+}
+
 .editable-list-row:disabled {
   cursor: default;
 }
@@ -1591,6 +1612,13 @@ a {
   font-variant-numeric: tabular-nums;
 }
 
+.editable-list-inline-actions {
+  display: flex;
+  flex-wrap: wrap;
+  justify-content: flex-end;
+  gap: var(--spacing-xs);
+}
+
 .editable-list-row__secondary {
   font-size: var(--text-xs);
   color: var(--text-muted);
diff --git a/apps/miniapp/src/lib/ledger-helpers.ts b/apps/miniapp/src/lib/ledger-helpers.ts
index e8d81c8..89cef5a 100644
--- a/apps/miniapp/src/lib/ledger-helpers.ts
+++ b/apps/miniapp/src/lib/ledger-helpers.ts
@@ -99,6 +99,25 @@ export function ledgerSecondaryAmount(entry: MiniAppDashboard['ledger'][number])
   return `${entry.amountMajor} ${entry.currency}`
 }
 
+export function localizedCurrencyLabel(
+  locale: 'en' | 'ru',
+  currency: MiniAppDashboard['currency']
+): string {
+  if (locale === 'ru' && currency === 'GEL') {
+    return 'Лари'
+  }
+
+  return currency
+}
+
+export function formatMoneyLabel(
+  amountMajor: string,
+  currency: MiniAppDashboard['currency'],
+  locale: 'en' | 'ru'
+): string {
+  return `${amountMajor} ${localizedCurrencyLabel(locale, currency)}`
+}
+
 export function cycleUtilityBillDrafts(
   bills: MiniAppAdminCycleState['utilityBills']
 ): Record<string, UtilityBillDraft> {
@@ -407,29 +426,30 @@ export function resolvedMemberAbsencePolicy(
  * Bug #5 fix: Prefill with the remaining amount for the selected payment kind.
  */
 export function computePaymentPrefill(
-  member: MiniAppDashboard['members'][number] | null | undefined,
-  kind: 'rent' | 'utilities'
+  dashboard: MiniAppDashboard | null | undefined,
+  memberId: string,
+  kind: 'rent' | 'utilities',
+  period: string
 ): string {
-  if (!member) {
+  if (!dashboard) {
     return ''
   }
 
-  const rentMinor = majorStringToMinor(member.rentShareMajor)
-  const utilityMinor = majorStringToMinor(member.utilityShareMajor)
-  const remainingMinor = majorStringToMinor(member.remainingMajor)
-
-  if (remainingMinor <= 0n) {
+  const periodSummary = (dashboard.paymentPeriods ?? []).find((entry) => entry.period === period)
+  const kindSummary = periodSummary?.kinds.find((entry) => entry.kind === kind)
+  const memberSummary = kindSummary?.unresolvedMembers.find((entry) => entry.memberId === memberId)
+  if (!memberSummary) {
     return '0.00'
   }
 
-  // Estimate unpaid per kind (simplified: if total due matches,
-  // use share for that kind as an approximation)
-  const dueMinor = kind === 'rent' ? rentMinor : utilityMinor
-  if (dueMinor <= 0n) {
-    return '0.00'
+  let prefillMinor = majorStringToMinor(memberSummary.remainingMajor)
+  if (periodSummary?.isCurrentPeriod && dashboard.paymentBalanceAdjustmentPolicy === kind) {
+    const member = dashboard.members.find((entry) => entry.memberId === memberId)
+    const purchaseOffsetMinor = majorStringToMinor(member?.purchaseOffsetMajor ?? '0.00')
+    if (purchaseOffsetMinor > 0n) {
+      prefillMinor += purchaseOffsetMinor
+    }
   }
 
-  // If remaining is less than due for this kind, use remaining
-  const prefillMinor = remainingMinor < dueMinor ? remainingMinor : dueMinor
-  return minorToMajorString(prefillMinor)
+  return minorToMajorString(prefillMinor > 0n ? prefillMinor : 0n)
 }
diff --git a/apps/miniapp/src/miniapp-api.ts b/apps/miniapp/src/miniapp-api.ts
index 368f8ba..03650c0 100644
--- a/apps/miniapp/src/miniapp-api.ts
+++ b/apps/miniapp/src/miniapp-api.ts
@@ -137,6 +137,27 @@ export interface MiniAppDashboard {
     }[]
     explanations: readonly string[]
   }[]
+  paymentPeriods?: {
+    period: string
+    utilityTotalMajor: string
+    hasOverdueBalance: boolean
+    isCurrentPeriod: boolean
+    kinds: {
+      kind: 'rent' | 'utilities'
+      totalDueMajor: string
+      totalPaidMajor: string
+      totalRemainingMajor: string
+      unresolvedMembers: {
+        memberId: string
+        displayName: string
+        suggestedAmountMajor: string
+        baseDueMajor: string
+        paidMajor: string
+        remainingMajor: string
+        effectivelySettled: boolean
+      }[]
+    }[]
+  }[]
   ledger: {
     id: string
     kind: 'purchase' | 'utility' | 'payment'
diff --git a/apps/miniapp/src/routes/home.tsx b/apps/miniapp/src/routes/home.tsx
index f99acbb..ad879c2 100644
--- a/apps/miniapp/src/routes/home.tsx
+++ b/apps/miniapp/src/routes/home.tsx
@@ -13,11 +13,12 @@ import { Input } from '../components/ui/input'
 import { Modal } from '../components/ui/dialog'
 import { Toast } from '../components/ui/toast'
 import { Skeleton } from '../components/ui/skeleton'
-import { ledgerPrimaryAmount } from '../lib/ledger-helpers'
+import { formatMoneyLabel, localizedCurrencyLabel } from '../lib/ledger-helpers'
 import { majorStringToMinor, minorToMajorString } from '../lib/money'
 import {
   compareTodayToPeriodDay,
   daysUntilPeriodDay,
+  formatCyclePeriod,
   formatPeriodDay,
   nextCyclePeriod,
   parseCalendarDate
@@ -50,11 +51,17 @@ function paymentProposalMinor(
       ? majorStringToMinor(member.rentShareMajor)
       : majorStringToMinor(member.utilityShareMajor)
 
-  if (data.paymentBalanceAdjustmentPolicy === kind) {
-    return baseMinor + purchaseOffsetMinor
+  const proposalMinor =
+    data.paymentBalanceAdjustmentPolicy === kind ? baseMinor + purchaseOffsetMinor : baseMinor
+
+  if (kind !== 'rent' || proposalMinor <= 0n) {
+    return proposalMinor
   }
 
-  return baseMinor
+  const wholeMinor = proposalMinor / 100n
+  const remainderMinor = proposalMinor % 100n
+
+  return (remainderMinor >= 50n ? wholeMinor + 1n : wholeMinor) * 100n
 }
 
 function paymentRemainingMinor(
@@ -380,7 +387,10 @@ export default function HomeRoute() {
                     paymentRemainingMinor(data(), member(), 'utilities')
 
                   const modes = () => currentPaymentModes()
-                  const currency = () => data().currency
+                  const formatMajorAmount = (
+                    amountMajor: string,
+                    currencyCode: 'USD' | 'GEL' = data().currency
+                  ) => formatMoneyLabel(amountMajor, currencyCode, locale())
                   const timezone = () => data().timezone
                   const period = () => effectivePeriod() ?? data().period
                   const today = () => todayOverride()
@@ -470,15 +480,17 @@ export default function HomeRoute() {
                               <div class="balance-card__amounts">
                                 <div class="balance-card__row balance-card__row--subtotal">
                                   <span>{copy().finalDue}</span>
-                                  <strong>
-                                    {overdue().amountMajor} {currency()}
-                                  </strong>
+                                  <strong>{formatMajorAmount(overdue().amountMajor)}</strong>
                                 </div>
                                 <div class="balance-card__row">
                                   <span>
                                     {copy().homeOverduePeriodsLabel.replace(
                                       '{periods}',
-                                      overdue().periods.join(', ')
+                                      overdue()
+                                        .periods.map((period) =>
+                                          formatCyclePeriod(period, locale())
+                                        )
+                                        .join(', ')
                                     )}
                                   </span>
                                 </div>
@@ -513,15 +525,17 @@ export default function HomeRoute() {
                               <div class="balance-card__amounts">
                                 <div class="balance-card__row balance-card__row--subtotal">
                                   <span>{copy().finalDue}</span>
-                                  <strong>
-                                    {overdue().amountMajor} {currency()}
-                                  </strong>
+                                  <strong>{formatMajorAmount(overdue().amountMajor)}</strong>
                                 </div>
                                 <div class="balance-card__row">
                                   <span>
                                     {copy().homeOverduePeriodsLabel.replace(
                                       '{periods}',
-                                      overdue().periods.join(', ')
+                                      overdue()
+                                        .periods.map((period) =>
+                                          formatCyclePeriod(period, locale())
+                                        )
+                                        .join(', ')
                                     )}
                                   </span>
                                 </div>
@@ -552,7 +566,7 @@ export default function HomeRoute() {
                               <div class="balance-card__row balance-card__row--subtotal">
                                 <span>{copy().finalDue}</span>
                                 <strong>
-                                  {minorToMajorString(utilitiesRemainingMinor())} {currency()}
+                                  {formatMajorAmount(minorToMajorString(utilitiesRemainingMinor()))}
                                 </strong>
                               </div>
                               <div class="balance-card__row">
@@ -563,30 +577,30 @@ export default function HomeRoute() {
                               </div>
                               <div class="balance-card__row">
                                 <span>{copy().baseDue}</span>
-                                <strong>
-                                  {member().utilityShareMajor} {currency()}
-                                </strong>
+                                <strong>{formatMajorAmount(member().utilityShareMajor)}</strong>
                               </div>
                               <Show when={policy() === 'utilities'}>
                                 <div class="balance-card__row">
                                   <span>{copy().balanceAdjustmentLabel}</span>
-                                  <strong>
-                                    {member().purchaseOffsetMajor} {currency()}
-                                  </strong>
+                                  <strong>{formatMajorAmount(member().purchaseOffsetMajor)}</strong>
                                 </div>
                               </Show>
                               <Show when={utilityLedger().length > 0}>
                                 <div class="balance-card__row balance-card__row--subtotal">
                                   <span>{copy().homeUtilitiesBillsTitle}</span>
-                                  <strong>
-                                    {utilityTotalMajor()} {currency()}
-                                  </strong>
+                                  <strong>{formatMajorAmount(utilityTotalMajor())}</strong>
                                 </div>
                                 <For each={utilityLedger()}>
                                   {(entry) => (
                                     <div class="balance-card__row">
                                       <span>{entry.title}</span>
-                                      <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                      <strong>
+                                        {formatMoneyLabel(
+                                          entry.displayAmountMajor,
+                                          entry.displayCurrency,
+                                          locale()
+                                        )}
+                                      </strong>
                                     </div>
                                   )}
                                 </For>
@@ -617,7 +631,7 @@ export default function HomeRoute() {
                               <div class="balance-card__row balance-card__row--subtotal">
                                 <span>{copy().finalDue}</span>
                                 <strong>
-                                  {minorToMajorString(rentRemainingMinor())} {currency()}
+                                  {formatMajorAmount(minorToMajorString(rentRemainingMinor()))}
                                 </strong>
                               </div>
                               <div class="balance-card__row">
@@ -626,16 +640,12 @@ export default function HomeRoute() {
                               </div>
                               <div class="balance-card__row">
                                 <span>{copy().baseDue}</span>
-                                <strong>
-                                  {member().rentShareMajor} {currency()}
-                                </strong>
+                                <strong>{formatMajorAmount(member().rentShareMajor)}</strong>
                               </div>
                               <Show when={policy() === 'rent'}>
                                 <div class="balance-card__row">
                                   <span>{copy().balanceAdjustmentLabel}</span>
-                                  <strong>
-                                    {member().purchaseOffsetMajor} {currency()}
-                                  </strong>
+                                  <strong>{formatMajorAmount(member().purchaseOffsetMajor)}</strong>
                                 </div>
                               </Show>
                             </div>
@@ -924,7 +934,13 @@ export default function HomeRoute() {
                         {(entry) => (
                           <div class="activity-card__item">
                             <span class="activity-card__title">{entry.title}</span>
-                            <span class="activity-card__amount">{ledgerPrimaryAmount(entry)}</span>
+                            <span class="activity-card__amount">
+                              {formatMoneyLabel(
+                                entry.displayAmountMajor,
+                                entry.displayCurrency,
+                                locale()
+                              )}
+                            </span>
                           </div>
                         )}
                       </For>
@@ -997,7 +1013,14 @@ export default function HomeRoute() {
             />
           </Field>
           <Field label={copy().quickPaymentCurrencyLabel}>
-            <Input type="text" value={(dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'} disabled />
+            <Input
+              type="text"
+              value={localizedCurrencyLabel(
+                locale(),
+                (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'
+              )}
+              disabled
+            />
           </Field>
         </div>
       </Modal>
diff --git a/apps/miniapp/src/routes/ledger.tsx b/apps/miniapp/src/routes/ledger.tsx
index e4eff55..dfd7004 100644
--- a/apps/miniapp/src/routes/ledger.tsx
+++ b/apps/miniapp/src/routes/ledger.tsx
@@ -15,17 +15,19 @@ import { Collapsible } from '../components/ui/collapsible'
 import { Toggle } from '../components/ui/toggle'
 import { Skeleton } from '../components/ui/skeleton'
 import {
-  ledgerPrimaryAmount,
+  formatMoneyLabel,
   ledgerSecondaryAmount,
   purchaseDraftForEntry,
   paymentDraftForEntry,
   computePaymentPrefill,
+  localizedCurrencyLabel,
   rebalancePurchaseSplit,
   validatePurchaseDraft,
   type PurchaseDraft,
   type PaymentDraft
 } from '../lib/ledger-helpers'
 import { minorToMajorString, majorStringToMinor } from '../lib/money'
+import { formatCyclePeriod, formatFriendlyDate } from '../lib/dates'
 import {
   addMiniAppPurchase,
   updateMiniAppPurchase,
@@ -39,6 +41,10 @@ import {
   type MiniAppDashboard
 } from '../miniapp-api'
 
+function joinSubtitleParts(parts: readonly (string | null | undefined)[]): string {
+  return parts.filter(Boolean).join(' · ')
+}
+
 interface ParticipantSplitInputsProps {
   draft: PurchaseDraft
   updateDraft: (fn: (d: PurchaseDraft) => PurchaseDraft) => void
@@ -203,7 +209,7 @@ function ParticipantSplitInputs(props: ParticipantSplitInputsProps) {
 
 export default function LedgerRoute() {
   const { initData, refreshHouseholdData, session } = useSession()
-  const { copy } = useI18n()
+  const { copy, locale } = useI18n()
   const { dashboard, loading, effectiveIsAdmin, purchaseLedger, utilityLedger, paymentLedger } =
     useDashboard()
   const unresolvedPurchaseLedger = createMemo(() =>
@@ -214,26 +220,15 @@ export default function LedgerRoute() {
   )
   const paymentPeriodOptions = createMemo(() => {
     const periods = new Set<string>()
-    if (dashboard()?.period) {
-      periods.add(dashboard()!.period)
+    for (const summary of dashboard()?.paymentPeriods ?? []) {
+      periods.add(summary.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 }))
+    return [...periods]
+      .sort()
+      .map((period) => ({ value: period, label: formatCyclePeriod(period, locale()) }))
   })
+  const paymentPeriodSummaries = createMemo(() => dashboard()?.paymentPeriods ?? [])
 
   // ── Purchase editor ──────────────────────────────
   const [editingPurchase, setEditingPurchase] = createSignal<
@@ -294,6 +289,7 @@ export default function LedgerRoute() {
     period: dashboard()?.period ?? ''
   })
   const [addingPayment, setAddingPayment] = createSignal(false)
+  const [paymentActionError, setPaymentActionError] = createSignal<string | null>(null)
 
   const addPurchaseButtonText = createMemo(() => {
     if (addingPurchase()) return copy().savingPurchase
@@ -543,6 +539,7 @@ export default function LedgerRoute() {
 
     setAddingPayment(true)
     try {
+      setPaymentActionError(null)
       await addMiniAppPayment(data, {
         memberId: draft.memberId,
         kind: draft.kind,
@@ -559,13 +556,58 @@ export default function LedgerRoute() {
         period: dashboard()?.period ?? ''
       })
       await refreshHouseholdData(true, true)
+    } catch (error) {
+      setPaymentActionError(error instanceof Error ? error.message : copy().quickPaymentFailed)
     } finally {
       setAddingPayment(false)
     }
   }
 
+  async function handleResolveSuggestedPayment(input: {
+    memberId: string
+    kind: 'rent' | 'utilities'
+    period: string
+    amountMajor: string
+  }) {
+    const data = initData()
+    if (!data) return
+
+    setAddingPayment(true)
+    try {
+      setPaymentActionError(null)
+      await addMiniAppPayment(data, {
+        memberId: input.memberId,
+        kind: input.kind,
+        period: input.period,
+        amountMajor: input.amountMajor,
+        currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL'
+      })
+      await refreshHouseholdData(true, true)
+    } catch (error) {
+      setPaymentActionError(error instanceof Error ? error.message : copy().quickPaymentFailed)
+    } finally {
+      setAddingPayment(false)
+    }
+  }
+
+  function openCustomPayment(input: {
+    memberId: string
+    kind: 'rent' | 'utilities'
+    period: string
+  }) {
+    setPaymentActionError(null)
+    setNewPayment({
+      memberId: input.memberId,
+      kind: input.kind,
+      amountMajor: computePaymentPrefill(dashboard(), input.memberId, input.kind, input.period),
+      currency: (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL',
+      period: input.period
+    })
+    setAddPaymentOpen(true)
+  }
+
   const currencyOptions = () => [
-    { value: 'GEL', label: 'GEL' },
+    { value: 'GEL', label: localizedCurrencyLabel(locale(), 'GEL') },
     { value: 'USD', label: 'USD' }
   ]
 
@@ -648,7 +690,9 @@ export default function LedgerRoute() {
                 >
                   <div style={{ display: 'flex', 'flex-direction': 'column', gap: '12px' }}>
                     <div>
-                      <strong>{copy().unresolvedPurchasesTitle}</strong>
+                      <div class="editable-list-section-title">
+                        {copy().unresolvedPurchasesTitle}
+                      </div>
                       <Show
                         when={unresolvedPurchaseLedger().length > 0}
                         fallback={<p class="empty-state">{copy().unresolvedPurchasesEmpty}</p>}
@@ -664,13 +708,23 @@ export default function LedgerRoute() {
                                 <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, 'Unresolved']
-                                      .filter(Boolean)
-                                      .join(' · ')}
+                                    {joinSubtitleParts([
+                                      entry.actorDisplayName,
+                                      entry.originPeriod
+                                        ? formatCyclePeriod(entry.originPeriod, locale())
+                                        : null,
+                                      'Unresolved'
+                                    ])}
                                   </span>
                                 </div>
                                 <div class="editable-list-row__meta">
-                                  <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                  <strong>
+                                    {formatMoneyLabel(
+                                      entry.displayAmountMajor,
+                                      entry.displayCurrency,
+                                      locale()
+                                    )}
+                                  </strong>
                                   <Show when={ledgerSecondaryAmount(entry)}>
                                     {(secondary) => (
                                       <span class="editable-list-row__secondary">
@@ -686,8 +740,7 @@ export default function LedgerRoute() {
                       </Show>
                     </div>
 
-                    <div>
-                      <strong>{copy().resolvedPurchasesTitle}</strong>
+                    <Collapsible title={copy().resolvedPurchasesTitle} defaultOpen={false}>
                       <Show
                         when={resolvedPurchaseLedger().length > 0}
                         fallback={<p class="empty-state">{copy().resolvedPurchasesEmpty}</p>}
@@ -703,13 +756,25 @@ export default function LedgerRoute() {
                                 <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(' · ')}
+                                    {joinSubtitleParts([
+                                      entry.actorDisplayName,
+                                      entry.originPeriod
+                                        ? formatCyclePeriod(entry.originPeriod, locale())
+                                        : null,
+                                      entry.resolvedAt
+                                        ? formatFriendlyDate(entry.resolvedAt, locale())
+                                        : null
+                                    ])}
                                   </span>
                                 </div>
                                 <div class="editable-list-row__meta">
-                                  <strong>{ledgerPrimaryAmount(entry)}</strong>
+                                  <strong>
+                                    {formatMoneyLabel(
+                                      entry.displayAmountMajor,
+                                      entry.displayCurrency,
+                                      locale()
+                                    )}
+                                  </strong>
                                   <Show when={ledgerSecondaryAmount(entry)}>
                                     {(secondary) => (
                                       <span class="editable-list-row__secondary">
@@ -723,47 +788,91 @@ export default function LedgerRoute() {
                           </For>
                         </div>
                       </Show>
-                    </div>
+                    </Collapsible>
                   </div>
                 </Show>
               </Collapsible>
 
               {/* ── Utility bills ──────────────────────── */}
               <Collapsible title={copy().utilityLedgerTitle}>
-                <Show when={effectiveIsAdmin()}>
-                  <div class="editable-list-actions">
-                    <Button variant="primary" size="sm" onClick={() => setAddUtilityOpen(true)}>
-                      <Plus size={14} />
-                      {copy().addUtilityBillAction}
-                    </Button>
-                  </div>
-                </Show>
-                <Show
-                  when={utilityLedger().length > 0}
-                  fallback={<p class="empty-state">{copy().utilityLedgerEmpty}</p>}
-                >
-                  <div class="editable-list">
-                    <For each={utilityLedger()}>
-                      {(entry) => (
-                        <button
-                          class="editable-list-row"
-                          onClick={() => effectiveIsAdmin() && openUtilityEditor(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}
-                            </span>
-                          </div>
-                          <div class="editable-list-row__meta">
-                            <strong>{ledgerPrimaryAmount(entry)}</strong>
-                          </div>
-                        </button>
-                      )}
-                    </For>
-                  </div>
-                </Show>
+                <div style={{ display: 'flex', 'flex-direction': 'column', gap: '12px' }}>
+                  <Show when={effectiveIsAdmin()}>
+                    <div class="editable-list-actions">
+                      <Button variant="primary" size="sm" onClick={() => setAddUtilityOpen(true)}>
+                        <Plus size={14} />
+                        {copy().addUtilityBillAction}
+                      </Button>
+                    </div>
+                  </Show>
+                  <Show
+                    when={utilityLedger().length > 0}
+                    fallback={<p class="empty-state">{copy().utilityLedgerEmpty}</p>}
+                  >
+                    <div class="editable-list">
+                      <For each={utilityLedger()}>
+                        {(entry) => (
+                          <button
+                            class="editable-list-row"
+                            onClick={() => effectiveIsAdmin() && openUtilityEditor(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}
+                              </span>
+                            </div>
+                            <div class="editable-list-row__meta">
+                              <strong>
+                                {formatMoneyLabel(
+                                  entry.displayAmountMajor,
+                                  entry.displayCurrency,
+                                  locale()
+                                )}
+                              </strong>
+                            </div>
+                          </button>
+                        )}
+                      </For>
+                    </div>
+                  </Show>
+                  <Collapsible title={copy().utilityHistoryTitle} defaultOpen={false}>
+                    <Show
+                      when={paymentPeriodSummaries().length > 0}
+                      fallback={<p class="empty-state">{copy().utilityLedgerEmpty}</p>}
+                    >
+                      <div class="editable-list">
+                        <For each={paymentPeriodSummaries()}>
+                          {(summary) => (
+                            <div class="editable-list-row editable-list-row--static">
+                              <div class="editable-list-row__main">
+                                <span class="editable-list-row__title">
+                                  {formatCyclePeriod(summary.period, locale())}
+                                </span>
+                                <span class="editable-list-row__subtitle">
+                                  {summary.isCurrentPeriod
+                                    ? copy().currentCycleLabel
+                                    : summary.hasOverdueBalance
+                                      ? copy().overdueLabel
+                                      : copy().homeSettledTitle}
+                                </span>
+                              </div>
+                              <div class="editable-list-row__meta">
+                                <strong>
+                                  {formatMoneyLabel(
+                                    summary.utilityTotalMajor,
+                                    (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL',
+                                    locale()
+                                  )}
+                                </strong>
+                              </div>
+                            </div>
+                          )}
+                        </For>
+                      </div>
+                    </Show>
+                  </Collapsible>
+                </div>
               </Collapsible>
 
               {/* ── Payments ───────────────────────────── */}
@@ -776,7 +885,7 @@ export default function LedgerRoute() {
                 <Show when={effectiveIsAdmin()}>
                   <div class="editable-list-actions">
                     <Button
-                      variant="primary"
+                      variant="ghost"
                       size="sm"
                       onClick={() => {
                         setNewPayment((payment) => ({
@@ -791,34 +900,186 @@ export default function LedgerRoute() {
                     </Button>
                   </div>
                 </Show>
+                <Show when={paymentActionError()}>
+                  {(error) => <p class="empty-state">{error()}</p>}
+                </Show>
                 <Show
-                  when={paymentLedger().length > 0}
+                  when={paymentPeriodSummaries().length > 0}
                   fallback={<p class="empty-state">{copy().paymentsEmpty}</p>}
                 >
-                  <div class="editable-list">
-                    <For each={paymentLedger()}>
-                      {(entry) => (
-                        <button
-                          class="editable-list-row"
-                          onClick={() => effectiveIsAdmin() && openPaymentEditor(entry)}
-                          disabled={!effectiveIsAdmin()}
+                  <div style={{ display: 'flex', 'flex-direction': 'column', gap: '12px' }}>
+                    <For each={paymentPeriodSummaries()}>
+                      {(summary) => (
+                        <Collapsible
+                          title={copy().paymentsPeriodTitle.replace(
+                            '{period}',
+                            formatCyclePeriod(summary.period, locale())
+                          )}
+                          body={
+                            summary.hasOverdueBalance
+                              ? copy().paymentsPeriodOverdueBody
+                              : summary.isCurrentPeriod
+                                ? copy().paymentsPeriodCurrentBody
+                                : copy().paymentsPeriodHistoryBody
+                          }
+                          defaultOpen={summary.isCurrentPeriod || summary.hasOverdueBalance}
                         >
-                          <div class="editable-list-row__main">
-                            <span class="editable-list-row__title">
-                              {entry.paymentKind === 'rent'
-                                ? copy().paymentLedgerRent
-                                : copy().paymentLedgerUtilities}
-                            </span>
-                            <span class="editable-list-row__subtitle">
-                              {entry.actorDisplayName}
-                            </span>
+                          <div style={{ display: 'flex', 'flex-direction': 'column', gap: '12px' }}>
+                            <For each={summary.kinds}>
+                              {(kindSummary) => (
+                                <Show
+                                  when={kindSummary.unresolvedMembers.length > 0}
+                                  fallback={
+                                    <div class="editable-list-row editable-list-row--static">
+                                      <div class="editable-list-row__main">
+                                        <span class="editable-list-row__title">
+                                          {kindSummary.kind === 'rent'
+                                            ? copy().shareRent
+                                            : copy().shareUtilities}
+                                        </span>
+                                        <span class="editable-list-row__subtitle">
+                                          {copy().homeSettledTitle}
+                                        </span>
+                                      </div>
+                                      <div class="editable-list-row__meta">
+                                        <strong>
+                                          {formatMoneyLabel(
+                                            kindSummary.totalPaidMajor,
+                                            (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL',
+                                            locale()
+                                          )}
+                                        </strong>
+                                      </div>
+                                    </div>
+                                  }
+                                >
+                                  <div>
+                                    <div class="editable-list-section-title">
+                                      {kindSummary.kind === 'rent'
+                                        ? copy().shareRent
+                                        : copy().shareUtilities}
+                                    </div>
+                                    <div class="editable-list">
+                                      <For each={kindSummary.unresolvedMembers}>
+                                        {(memberSummary) => (
+                                          <div class="editable-list-row editable-list-row--stacked">
+                                            <div class="editable-list-row__main">
+                                              <span class="editable-list-row__title">
+                                                {memberSummary.displayName}
+                                              </span>
+                                              <span class="editable-list-row__subtitle">
+                                                {copy()
+                                                  .paymentsBaseDueLabel.replace(
+                                                    '{amount}',
+                                                    formatMoneyLabel(
+                                                      memberSummary.baseDueMajor,
+                                                      (dashboard()?.currency as 'USD' | 'GEL') ??
+                                                        'GEL',
+                                                      locale()
+                                                    )
+                                                  )
+                                                  .replace(
+                                                    '{remaining}',
+                                                    formatMoneyLabel(
+                                                      memberSummary.remainingMajor,
+                                                      (dashboard()?.currency as 'USD' | 'GEL') ??
+                                                        'GEL',
+                                                      locale()
+                                                    )
+                                                  )}
+                                              </span>
+                                            </div>
+                                            <div class="editable-list-row__meta">
+                                              <strong>
+                                                {formatMoneyLabel(
+                                                  memberSummary.suggestedAmountMajor,
+                                                  (dashboard()?.currency as 'USD' | 'GEL') ?? 'GEL',
+                                                  locale()
+                                                )}
+                                              </strong>
+                                              <div class="editable-list-inline-actions">
+                                                <Button
+                                                  variant="primary"
+                                                  size="sm"
+                                                  loading={addingPayment()}
+                                                  onClick={() =>
+                                                    void handleResolveSuggestedPayment({
+                                                      memberId: memberSummary.memberId,
+                                                      kind: kindSummary.kind,
+                                                      period: summary.period,
+                                                      amountMajor:
+                                                        memberSummary.suggestedAmountMajor
+                                                    })
+                                                  }
+                                                >
+                                                  {copy().paymentsResolveAction}
+                                                </Button>
+                                                <Button
+                                                  variant="ghost"
+                                                  size="sm"
+                                                  onClick={() =>
+                                                    openCustomPayment({
+                                                      memberId: memberSummary.memberId,
+                                                      kind: kindSummary.kind,
+                                                      period: summary.period
+                                                    })
+                                                  }
+                                                >
+                                                  {copy().paymentsCustomAmountAction}
+                                                </Button>
+                                              </div>
+                                            </div>
+                                          </div>
+                                        )}
+                                      </For>
+                                    </div>
+                                  </div>
+                                </Show>
+                              )}
+                            </For>
                           </div>
-                          <div class="editable-list-row__meta">
-                            <strong>{ledgerPrimaryAmount(entry)}</strong>
-                          </div>
-                        </button>
+                        </Collapsible>
                       )}
                     </For>
+
+                    <Collapsible title={copy().paymentsHistoryTitle} defaultOpen={false}>
+                      <Show
+                        when={paymentLedger().length > 0}
+                        fallback={<p class="empty-state">{copy().paymentsEmpty}</p>}
+                      >
+                        <div class="editable-list">
+                          <For each={paymentLedger()}>
+                            {(entry) => (
+                              <button
+                                class="editable-list-row"
+                                onClick={() => effectiveIsAdmin() && openPaymentEditor(entry)}
+                                disabled={!effectiveIsAdmin()}
+                              >
+                                <div class="editable-list-row__main">
+                                  <span class="editable-list-row__title">
+                                    {entry.paymentKind === 'rent'
+                                      ? copy().paymentLedgerRent
+                                      : copy().paymentLedgerUtilities}
+                                  </span>
+                                  <span class="editable-list-row__subtitle">
+                                    {entry.actorDisplayName}
+                                  </span>
+                                </div>
+                                <div class="editable-list-row__meta">
+                                  <strong>
+                                    {formatMoneyLabel(
+                                      entry.displayAmountMajor,
+                                      entry.displayCurrency,
+                                      locale()
+                                    )}
+                                  </strong>
+                                </div>
+                              </button>
+                            )}
+                          </For>
+                        </div>
+                      </Show>
+                    </Collapsible>
                   </div>
                 </Show>
               </Collapsible>
@@ -1093,6 +1354,7 @@ export default function LedgerRoute() {
           </div>
         }
       >
+        <Show when={paymentActionError()}>{(error) => <p class="empty-state">{error()}</p>}</Show>
         <div class="editor-grid">
           <Field label={copy().paymentMember}>
             <Select
@@ -1101,8 +1363,12 @@ export default function LedgerRoute() {
               placeholder="—"
               options={[{ value: '', label: '—' }, ...memberOptions()]}
               onChange={(memberId) => {
-                const member = dashboard()?.members.find((m) => m.memberId === memberId)
-                const prefill = computePaymentPrefill(member, newPayment().kind)
+                const prefill = computePaymentPrefill(
+                  dashboard(),
+                  memberId,
+                  newPayment().kind,
+                  newPayment().period || dashboard()?.period || ''
+                )
                 setNewPayment((p) => ({ ...p, memberId, amountMajor: prefill }))
               }}
             />
@@ -1113,7 +1379,18 @@ export default function LedgerRoute() {
               ariaLabel={copy().paymentKind}
               options={kindOptions()}
               onChange={(value) =>
-                setNewPayment((p) => ({ ...p, kind: value as 'rent' | 'utilities' }))
+                setNewPayment((p) => ({
+                  ...p,
+                  kind: value as 'rent' | 'utilities',
+                  amountMajor: p.memberId
+                    ? computePaymentPrefill(
+                        dashboard(),
+                        p.memberId,
+                        value as 'rent' | 'utilities',
+                        p.period || dashboard()?.period || ''
+                      )
+                    : p.amountMajor
+                }))
               }
             />
           </Field>
@@ -1123,7 +1400,20 @@ export default function LedgerRoute() {
               placeholder="—"
               ariaLabel="Billing period"
               options={[{ value: '', label: '—' }, ...paymentPeriodOptions()]}
-              onChange={(value) => setNewPayment((p) => ({ ...p, period: value }))}
+              onChange={(value) =>
+                setNewPayment((p) => ({
+                  ...p,
+                  period: value,
+                  amountMajor: p.memberId
+                    ? computePaymentPrefill(
+                        dashboard(),
+                        p.memberId,
+                        p.kind,
+                        value || dashboard()?.period || ''
+                      )
+                    : p.amountMajor
+                }))
+              }
             />
           </Field>
           <Field label={copy().paymentAmount}>
diff --git a/apps/miniapp/src/routes/settings.tsx b/apps/miniapp/src/routes/settings.tsx
index 1ca96d2..b5383d3 100644
--- a/apps/miniapp/src/routes/settings.tsx
+++ b/apps/miniapp/src/routes/settings.tsx
@@ -5,6 +5,7 @@ import { useNavigate } from '@solidjs/router'
 import { useSession } from '../contexts/session-context'
 import { useI18n } from '../contexts/i18n-context'
 import { useDashboard } from '../contexts/dashboard-context'
+import { formatCyclePeriod } from '../lib/dates'
 import { Card } from '../components/ui/card'
 import { Button } from '../components/ui/button'
 import { Badge } from '../components/ui/badge'
@@ -418,7 +419,7 @@ export default function SettingsRoute() {
                 <div class="settings-billing-summary">
                   <div class="settings-row">
                     <span>{copy().billingCyclePeriod}</span>
-                    <Badge variant="accent">{cycle().period}</Badge>
+                    <Badge variant="accent">{formatCyclePeriod(cycle().period, locale())}</Badge>
                   </div>
                   <div class="settings-row">
                     <span>{copy().currencyLabel}</span>
diff --git a/packages/application/src/finance-command-service.test.ts b/packages/application/src/finance-command-service.test.ts
index 6c52b4f..2d356f7 100644
--- a/packages/application/src/finance-command-service.test.ts
+++ b/packages/application/src/finance-command-service.test.ts
@@ -1269,4 +1269,76 @@ describe('createFinanceCommandService', () => {
       }
     ])
   })
+
+  test('generateDashboard rounds rent suggestions in payment period summaries', async () => {
+    const repository = new FinanceRepositoryStub()
+    repository.members = [
+      {
+        id: 'alice',
+        telegramUserId: '1',
+        displayName: 'Alice',
+        rentShareWeight: 1,
+        isAdmin: true
+      }
+    ]
+    repository.openCycleRecord = {
+      id: 'cycle-2026-03',
+      period: '2026-03',
+      currency: 'GEL'
+    }
+    repository.latestCycleRecord = repository.openCycleRecord
+    repository.cycles = [repository.openCycleRecord]
+    repository.rentRule = {
+      amountMinor: 47256n,
+      currency: 'GEL'
+    }
+
+    const service = createService(repository)
+    const dashboard = await service.generateDashboard('2026-03')
+    const rentSummary = dashboard?.paymentPeriods?.[0]?.kinds.find((kind) => kind.kind === 'rent')
+
+    expect(rentSummary?.unresolvedMembers[0]?.suggestedAmount.toMajorString()).toBe('473.00')
+  })
+
+  test('addPayment rejects duplicate explicit payments when the period is already effectively settled', async () => {
+    const repository = new FinanceRepositoryStub()
+    repository.members = [
+      {
+        id: 'alice',
+        telegramUserId: '1',
+        displayName: 'Alice',
+        rentShareWeight: 1,
+        isAdmin: true
+      }
+    ]
+    repository.openCycleRecord = {
+      id: 'cycle-2026-03',
+      period: '2026-03',
+      currency: 'GEL'
+    }
+    repository.latestCycleRecord = repository.openCycleRecord
+    repository.cycles = [repository.openCycleRecord]
+    repository.rentRule = {
+      amountMinor: 47256n,
+      currency: 'GEL'
+    }
+    repository.paymentRecords = [
+      {
+        id: 'payment-1',
+        cycleId: 'cycle-2026-03',
+        cyclePeriod: '2026-03',
+        memberId: 'alice',
+        kind: 'rent',
+        amountMinor: 47200n,
+        currency: 'GEL',
+        recordedAt: instantFromIso('2026-03-18T12:00:00.000Z')
+      }
+    ]
+
+    const service = createService(repository)
+
+    await expect(service.addPayment('alice', 'rent', '10.00', 'GEL', '2026-03')).rejects.toThrow(
+      'Payment period is already settled'
+    )
+  })
 })
diff --git a/packages/application/src/finance-command-service.ts b/packages/application/src/finance-command-service.ts
index cf473d4..74f56a2 100644
--- a/packages/application/src/finance-command-service.ts
+++ b/packages/application/src/finance-command-service.ts
@@ -123,6 +123,32 @@ export interface FinanceDashboardMemberLine {
   explanations: readonly string[]
 }
 
+export interface FinanceDashboardPaymentMemberSummary {
+  memberId: string
+  displayName: string
+  suggestedAmount: Money
+  baseDue: Money
+  paid: Money
+  remaining: Money
+  effectivelySettled: boolean
+}
+
+export interface FinanceDashboardPaymentKindSummary {
+  kind: FinancePaymentKind
+  totalDue: Money
+  totalPaid: Money
+  totalRemaining: Money
+  unresolvedMembers: readonly FinanceDashboardPaymentMemberSummary[]
+}
+
+export interface FinanceDashboardPaymentPeriodSummary {
+  period: string
+  utilityTotal: Money
+  hasOverdueBalance: boolean
+  isCurrentPeriod: boolean
+  kinds: readonly FinanceDashboardPaymentKindSummary[]
+}
+
 export interface FinanceDashboardLedgerEntry {
   id: string
   kind: 'purchase' | 'utility' | 'payment'
@@ -171,6 +197,7 @@ export interface FinanceDashboard {
   rentFxRateMicros: bigint | null
   rentFxEffectiveDate: string | null
   members: readonly FinanceDashboardMemberLine[]
+  paymentPeriods?: readonly FinanceDashboardPaymentPeriodSummary[]
   ledger: readonly FinanceDashboardLedgerEntry[]
 }
 
@@ -259,6 +286,33 @@ interface MutableOverdueSummary {
   utilities: { amountMinor: bigint; periods: string[] }
 }
 
+const PAYMENT_SETTLEMENT_TOLERANCE_MINOR = 200n
+
+function effectiveRemainingMinor(expectedMinor: bigint, paidMinor: bigint): bigint {
+  const shortfallMinor = expectedMinor - paidMinor
+
+  if (shortfallMinor <= PAYMENT_SETTLEMENT_TOLERANCE_MINOR) {
+    return 0n
+  }
+
+  return shortfallMinor
+}
+
+function roundSuggestedPaymentMinor(kind: FinancePaymentKind, amountMinor: bigint): bigint {
+  if (kind !== 'rent') {
+    return amountMinor
+  }
+
+  if (amountMinor <= 0n) {
+    return 0n
+  }
+
+  const wholeMinor = amountMinor / 100n
+  const remainderMinor = amountMinor % 100n
+
+  return (remainderMinor >= 50n ? wholeMinor + 1n : wholeMinor) * 100n
+}
+
 function periodFromInstant(instant: Temporal.Instant | null | undefined): string | null {
   if (!instant) {
     return null
@@ -516,13 +570,19 @@ async function computeMemberOverduePayments(input: {
         utilities: { amountMinor: 0n, periods: [] }
       }
 
-      const rentRemainingMinor = line.rentShare.subtract(line.rentPaid).amountMinor
+      const rentRemainingMinor = effectiveRemainingMinor(
+        line.rentShare.amountMinor,
+        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
+      const utilityRemainingMinor = effectiveRemainingMinor(
+        line.utilityShare.amountMinor,
+        line.utilityPaid.amountMinor
+      )
       if (
         Temporal.PlainDate.compare(localDate, utilitiesDueDate) > 0 &&
         utilityRemainingMinor > 0n
@@ -558,6 +618,161 @@ async function computeMemberOverduePayments(input: {
   )
 }
 
+async function buildPaymentPeriodSummaries(input: {
+  dependencies: FinanceCommandServiceDependencies
+  currentCycle: FinanceCycleRecord
+  members: readonly HouseholdMemberRecord[]
+  memberAbsencePolicies: readonly HouseholdMemberAbsencePolicyRecord[]
+  settings: HouseholdBillingSettingsRecord
+}): Promise<readonly FinanceDashboardPaymentPeriodSummary[]> {
+  const localDate = localDateInTimezone(input.settings.timezone)
+  const memberNameById = new Map(input.members.map((member) => [member.id, member.displayName]))
+  const cycles = (await input.dependencies.repository.listCycles())
+    .filter((cycle) => cycle.period.localeCompare(input.currentCycle.period) <= 0)
+    .sort((left, right) => right.period.localeCompare(left.period))
+
+  const summaries: FinanceDashboardPaymentPeriodSummary[] = []
+
+  for (const cycle of cycles) {
+    const [baseLines, utilityBills] = await Promise.all([
+      buildCycleBaseMemberLines({
+        dependencies: input.dependencies,
+        cycle,
+        members: input.members,
+        memberAbsencePolicies: input.memberAbsencePolicies,
+        settings: input.settings
+      }),
+      input.dependencies.repository.listUtilityBillsForCycle(cycle.id)
+    ])
+
+    const utilityTotal = utilityBills.reduce(
+      (sum, bill) => sum.add(Money.fromMinor(bill.amountMinor, bill.currency)),
+      Money.zero(cycle.currency)
+    )
+    const rentDueDate = billingPeriodLockDate(
+      BillingPeriod.fromString(cycle.period),
+      input.settings.rentDueDay
+    )
+    const utilitiesDueDate = billingPeriodLockDate(
+      BillingPeriod.fromString(cycle.period),
+      input.settings.utilitiesDueDay
+    )
+
+    const rentMembers = baseLines.map((line) => {
+      const remainingMinor = effectiveRemainingMinor(
+        line.rentShare.amountMinor,
+        line.rentPaid.amountMinor
+      )
+      const baseDue = line.rentShare
+      return {
+        memberId: line.memberId,
+        displayName: memberNameById.get(line.memberId) ?? line.memberId,
+        suggestedAmount: Money.fromMinor(
+          roundSuggestedPaymentMinor('rent', remainingMinor),
+          cycle.currency
+        ),
+        baseDue,
+        paid: line.rentPaid,
+        remaining: Money.fromMinor(remainingMinor, cycle.currency),
+        effectivelySettled: remainingMinor === 0n
+      } satisfies FinanceDashboardPaymentMemberSummary
+    })
+
+    const utilitiesMembers = baseLines.map((line) => {
+      const remainingMinor = effectiveRemainingMinor(
+        line.utilityShare.amountMinor,
+        line.utilityPaid.amountMinor
+      )
+      return {
+        memberId: line.memberId,
+        displayName: memberNameById.get(line.memberId) ?? line.memberId,
+        suggestedAmount: Money.fromMinor(remainingMinor, cycle.currency),
+        baseDue: line.utilityShare,
+        paid: line.utilityPaid,
+        remaining: Money.fromMinor(remainingMinor, cycle.currency),
+        effectivelySettled: remainingMinor === 0n
+      } satisfies FinanceDashboardPaymentMemberSummary
+    })
+
+    const hasOverdueBalance =
+      (Temporal.PlainDate.compare(localDate, rentDueDate) > 0 &&
+        rentMembers.some((member) => !member.effectivelySettled)) ||
+      (Temporal.PlainDate.compare(localDate, utilitiesDueDate) > 0 &&
+        utilitiesMembers.some((member) => !member.effectivelySettled))
+
+    summaries.push({
+      period: cycle.period,
+      utilityTotal,
+      hasOverdueBalance,
+      isCurrentPeriod: cycle.period === input.currentCycle.period,
+      kinds: [
+        {
+          kind: 'rent',
+          totalDue: rentMembers.reduce(
+            (sum, member) => sum.add(member.baseDue),
+            Money.zero(cycle.currency)
+          ),
+          totalPaid: rentMembers.reduce(
+            (sum, member) => sum.add(member.paid),
+            Money.zero(cycle.currency)
+          ),
+          totalRemaining: rentMembers.reduce(
+            (sum, member) => sum.add(member.remaining),
+            Money.zero(cycle.currency)
+          ),
+          unresolvedMembers: rentMembers.filter((member) => !member.effectivelySettled)
+        },
+        {
+          kind: 'utilities',
+          totalDue: utilitiesMembers.reduce(
+            (sum, member) => sum.add(member.baseDue),
+            Money.zero(cycle.currency)
+          ),
+          totalPaid: utilitiesMembers.reduce(
+            (sum, member) => sum.add(member.paid),
+            Money.zero(cycle.currency)
+          ),
+          totalRemaining: utilitiesMembers.reduce(
+            (sum, member) => sum.add(member.remaining),
+            Money.zero(cycle.currency)
+          ),
+          unresolvedMembers: utilitiesMembers.filter((member) => !member.effectivelySettled)
+        }
+      ]
+    })
+  }
+
+  return summaries
+}
+
+async function getCycleKindBaseRemaining(input: {
+  dependencies: FinanceCommandServiceDependencies
+  cycle: FinanceCycleRecord
+  members: readonly HouseholdMemberRecord[]
+  memberAbsencePolicies: readonly HouseholdMemberAbsencePolicyRecord[]
+  settings: HouseholdBillingSettingsRecord
+  memberId: string
+  kind: FinancePaymentKind
+}): Promise<bigint> {
+  const baseLine = (
+    await buildCycleBaseMemberLines({
+      dependencies: input.dependencies,
+      cycle: input.cycle,
+      members: input.members,
+      memberAbsencePolicies: input.memberAbsencePolicies,
+      settings: input.settings
+    })
+  ).find((line) => line.memberId === input.memberId)
+
+  if (!baseLine) {
+    return 0n
+  }
+
+  return input.kind === 'rent'
+    ? effectiveRemainingMinor(baseLine.rentShare.amountMinor, baseLine.rentPaid.amountMinor)
+    : effectiveRemainingMinor(baseLine.utilityShare.amountMinor, baseLine.utilityPaid.amountMinor)
+}
+
 async function resolveAutomaticPaymentTargets(input: {
   dependencies: FinanceCommandServiceDependencies
   currentCycle: FinanceCycleRecord
@@ -608,8 +823,11 @@ async function resolveAutomaticPaymentTargets(input: {
 
     const remainingMinor =
       input.kind === 'rent'
-        ? baseLine.rentShare.subtract(baseLine.rentPaid).amountMinor
-        : baseLine.utilityShare.subtract(baseLine.utilityPaid).amountMinor
+        ? effectiveRemainingMinor(baseLine.rentShare.amountMinor, baseLine.rentPaid.amountMinor)
+        : effectiveRemainingMinor(
+            baseLine.utilityShare.amountMinor,
+            baseLine.utilityPaid.amountMinor
+          )
 
     if (remainingMinor <= 0n) {
       continue
@@ -687,13 +905,22 @@ async function buildFinanceDashboard(
   const previousSnapshotLines = previousCycle
     ? await dependencies.repository.getSettlementSnapshotLines(previousCycle.id)
     : []
-  const overduePaymentsByMemberId = await computeMemberOverduePayments({
-    dependencies,
-    currentCycle: cycle,
-    members,
-    memberAbsencePolicies,
-    settings
-  })
+  const [overduePaymentsByMemberId, paymentPeriods] = await Promise.all([
+    computeMemberOverduePayments({
+      dependencies,
+      currentCycle: cycle,
+      members,
+      memberAbsencePolicies,
+      settings
+    }),
+    buildPaymentPeriodSummaries({
+      dependencies,
+      currentCycle: cycle,
+      members,
+      memberAbsencePolicies,
+      settings
+    })
+  ])
   const previousUtilityShareByMemberId = new Map(
     previousSnapshotLines.map((line) => [
       line.memberId,
@@ -1061,6 +1288,7 @@ async function buildFinanceDashboard(
     rentFxRateMicros: convertedRent.fxRateMicros,
     rentFxEffectiveDate: convertedRent.fxEffectiveDate,
     members: dashboardMembers,
+    paymentPeriods,
     ledger
   }
 }
@@ -1095,7 +1323,8 @@ async function allocatePaymentPurchaseOverage(input: {
   }
 
   const baseAmount = input.kind === 'rent' ? memberLine.rentShare : memberLine.utilityShare
-  let remainingMinor = input.paymentAmount.amountMinor - baseAmount.amountMinor
+  const baseThresholdMinor = roundSuggestedPaymentMinor(input.kind, baseAmount.amountMinor)
+  let remainingMinor = input.paymentAmount.amountMinor - baseThresholdMinor
   if (remainingMinor <= 0n) {
     return []
   }
@@ -1588,6 +1817,22 @@ export function createFinanceCommandService(
 
       const currency = parseCurrency(currencyArg, settings.settlementCurrency)
       const amount = Money.fromMajor(amountArg, currency)
+
+      if (periodArg) {
+        const explicitRemainingMinor = await getCycleKindBaseRemaining({
+          dependencies,
+          cycle: currentCycle,
+          members,
+          memberAbsencePolicies,
+          settings,
+          memberId,
+          kind
+        })
+        if (explicitRemainingMinor === 0n) {
+          throw new Error('Payment period is already settled')
+        }
+      }
+
       const paymentTargets = periodArg
         ? [
             {
@@ -1606,6 +1851,15 @@ export function createFinanceCommandService(
             kind
           })
 
+      if (
+        !periodArg &&
+        paymentTargets.every(
+          (target) => target.baseRemainingMinor <= 0n && target.cycle.id === currentCycle.id
+        )
+      ) {
+        throw new Error('Payment period is already settled')
+      }
+
       let remainingMinor = amount.amountMinor
       let firstPayment: Awaited<ReturnType<FinanceRepository['addPaymentRecord']>> | null = null
 
diff --git a/packages/application/src/payment-guidance.ts b/packages/application/src/payment-guidance.ts
index 9be4c99..bba0a98 100644
--- a/packages/application/src/payment-guidance.ts
+++ b/packages/application/src/payment-guidance.ts
@@ -37,6 +37,20 @@ function adjustmentApplies(
   return (policy === 'utilities' && kind === 'utilities') || (policy === 'rent' && kind === 'rent')
 }
 
+function roundSuggestedPayment(kind: 'rent' | 'utilities', amount: Money): Money {
+  if (kind !== 'rent' || amount.amountMinor <= 0n) {
+    return amount
+  }
+
+  const wholeMinor = amount.amountMinor / 100n
+  const remainderMinor = amount.amountMinor % 100n
+
+  return Money.fromMinor(
+    (remainderMinor >= 50n ? wholeMinor + 1n : wholeMinor) * 100n,
+    amount.currency
+  )
+}
+
 export function buildMemberPaymentGuidance(input: {
   kind: 'rent' | 'utilities'
   period: string
@@ -48,9 +62,10 @@ export function buildMemberPaymentGuidance(input: {
   const baseAmount =
     input.kind === 'rent' ? input.memberLine.rentShare : input.memberLine.utilityShare
   const purchaseOffset = input.memberLine.purchaseOffset
-  const proposalAmount = adjustmentApplies(policy, input.kind)
-    ? baseAmount.add(purchaseOffset)
-    : baseAmount
+  const proposalAmount = roundSuggestedPayment(
+    input.kind,
+    adjustmentApplies(policy, input.kind) ? baseAmount.add(purchaseOffset) : baseAmount
+  )
 
   const reminderDay =
     input.kind === 'rent' ? input.settings.rentWarningDay : input.settings.utilitiesReminderDay