diff --git a/apps/bot/package.json b/apps/bot/package.json
index ace3b5d..dbf7d47 100644
--- a/apps/bot/package.json
+++ b/apps/bot/package.json
@@ -12,6 +12,7 @@
   "dependencies": {
     "@household/application": "workspace:*",
     "@household/db": "workspace:*",
+    "@household/domain": "workspace:*",
     "drizzle-orm": "^0.44.7",
     "grammy": "1.41.1"
   }
diff --git a/apps/bot/src/config.ts b/apps/bot/src/config.ts
index f87ac64..1f57c13 100644
--- a/apps/bot/src/config.ts
+++ b/apps/bot/src/config.ts
@@ -8,6 +8,7 @@ export interface BotRuntimeConfig {
   telegramHouseholdChatId?: string
   telegramPurchaseTopicId?: number
   purchaseTopicIngestionEnabled: boolean
+  financeCommandsEnabled: boolean
   openaiApiKey?: string
   parserModel: string
 }
@@ -63,12 +64,15 @@ export function getBotRuntimeConfig(env: NodeJS.ProcessEnv = process.env): BotRu
     telegramHouseholdChatId !== undefined &&
     telegramPurchaseTopicId !== undefined
 
+  const financeCommandsEnabled = databaseUrl !== undefined && householdId !== undefined
+
   const runtime: BotRuntimeConfig = {
     port: parsePort(env.PORT),
     telegramBotToken: requireValue(env.TELEGRAM_BOT_TOKEN, 'TELEGRAM_BOT_TOKEN'),
     telegramWebhookSecret: requireValue(env.TELEGRAM_WEBHOOK_SECRET, 'TELEGRAM_WEBHOOK_SECRET'),
     telegramWebhookPath: env.TELEGRAM_WEBHOOK_PATH ?? '/webhook/telegram',
     purchaseTopicIngestionEnabled,
+    financeCommandsEnabled,
     parserModel: env.PARSER_MODEL?.trim() || 'gpt-4.1-mini'
   }
 
diff --git a/apps/bot/src/finance-commands.ts b/apps/bot/src/finance-commands.ts
new file mode 100644
index 0000000..7c7b4ae
--- /dev/null
+++ b/apps/bot/src/finance-commands.ts
@@ -0,0 +1,517 @@
+import { calculateMonthlySettlement } from '@household/application'
+import { createDbClient, schema } from '@household/db'
+import { BillingCycleId, BillingPeriod, MemberId, Money, PurchaseEntryId } from '@household/domain'
+import { and, desc, eq, gte, isNotNull, isNull, lte, or, sql } from 'drizzle-orm'
+import type { Bot, Context } from 'grammy'
+
+import { createHash } from 'node:crypto'
+
+type SupportedCurrency = 'USD' | 'GEL'
+
+interface FinanceCommandsConfig {
+  householdId: string
+}
+
+interface SettlementCycleData {
+  id: string
+  period: string
+  currency: string
+}
+
+interface HouseholdMemberData {
+  id: string
+  telegramUserId: string
+  displayName: string
+  isAdmin: number
+}
+
+function parseCurrency(raw: string | undefined, fallback: SupportedCurrency): SupportedCurrency {
+  if (!raw || raw.trim().length === 0) {
+    return fallback
+  }
+
+  const normalized = raw.trim().toUpperCase()
+  if (normalized !== 'USD' && normalized !== 'GEL') {
+    throw new Error(`Unsupported currency: ${raw}`)
+  }
+
+  return normalized
+}
+
+function monthRange(period: BillingPeriod): { start: Date; end: Date } {
+  const start = new Date(Date.UTC(period.year, period.month - 1, 1, 0, 0, 0))
+  const end = new Date(Date.UTC(period.year, period.month, 0, 23, 59, 59))
+
+  return {
+    start,
+    end
+  }
+}
+
+function commandArgs(ctx: Context): string[] {
+  const raw = typeof ctx.match === 'string' ? ctx.match.trim() : ''
+  if (raw.length === 0) {
+    return []
+  }
+
+  return raw.split(/\s+/).filter(Boolean)
+}
+
+function computeInputHash(payload: object): string {
+  return createHash('sha256').update(JSON.stringify(payload)).digest('hex')
+}
+
+export function createFinanceCommandsService(
+  databaseUrl: string,
+  config: FinanceCommandsConfig
+): {
+  register: (bot: Bot) => void
+  close: () => Promise<void>
+} {
+  const { db, queryClient } = createDbClient(databaseUrl, {
+    max: 5,
+    prepare: false
+  })
+
+  async function getMemberByTelegramUserId(
+    telegramUserId: string
+  ): Promise<HouseholdMemberData | null> {
+    const row = await db
+      .select({
+        id: schema.members.id,
+        telegramUserId: schema.members.telegramUserId,
+        displayName: schema.members.displayName,
+        isAdmin: schema.members.isAdmin
+      })
+      .from(schema.members)
+      .where(
+        and(
+          eq(schema.members.householdId, config.householdId),
+          eq(schema.members.telegramUserId, telegramUserId)
+        )
+      )
+      .limit(1)
+
+    return row[0] ?? null
+  }
+
+  async function requireMember(ctx: Context): Promise<HouseholdMemberData | null> {
+    const telegramUserId = ctx.from?.id?.toString()
+    if (!telegramUserId) {
+      await ctx.reply('Unable to identify sender for this command.')
+      return null
+    }
+
+    const member = await getMemberByTelegramUserId(telegramUserId)
+    if (!member) {
+      await ctx.reply('You are not a member of this household.')
+      return null
+    }
+
+    return member
+  }
+
+  async function requireAdmin(ctx: Context): Promise<HouseholdMemberData | null> {
+    const member = await requireMember(ctx)
+    if (!member) {
+      return null
+    }
+
+    if (member.isAdmin !== 1) {
+      await ctx.reply('Only household admins can use this command.')
+      return null
+    }
+
+    return member
+  }
+
+  async function getOpenCycle(): Promise<SettlementCycleData | null> {
+    const cycle = await db
+      .select({
+        id: schema.billingCycles.id,
+        period: schema.billingCycles.period,
+        currency: schema.billingCycles.currency
+      })
+      .from(schema.billingCycles)
+      .where(
+        and(
+          eq(schema.billingCycles.householdId, config.householdId),
+          isNull(schema.billingCycles.closedAt)
+        )
+      )
+      .orderBy(desc(schema.billingCycles.startedAt))
+      .limit(1)
+
+    return cycle[0] ?? null
+  }
+
+  async function getCycleByPeriodOrLatest(periodArg?: string): Promise<SettlementCycleData | null> {
+    if (periodArg) {
+      const period = BillingPeriod.fromString(periodArg).toString()
+      const cycle = await db
+        .select({
+          id: schema.billingCycles.id,
+          period: schema.billingCycles.period,
+          currency: schema.billingCycles.currency
+        })
+        .from(schema.billingCycles)
+        .where(
+          and(
+            eq(schema.billingCycles.householdId, config.householdId),
+            eq(schema.billingCycles.period, period)
+          )
+        )
+        .limit(1)
+
+      return cycle[0] ?? null
+    }
+
+    const latestCycle = await db
+      .select({
+        id: schema.billingCycles.id,
+        period: schema.billingCycles.period,
+        currency: schema.billingCycles.currency
+      })
+      .from(schema.billingCycles)
+      .where(eq(schema.billingCycles.householdId, config.householdId))
+      .orderBy(desc(schema.billingCycles.period))
+      .limit(1)
+
+    return latestCycle[0] ?? null
+  }
+
+  async function upsertSettlementSnapshot(cycle: SettlementCycleData): Promise<string> {
+    const members = await db
+      .select({
+        id: schema.members.id,
+        displayName: schema.members.displayName
+      })
+      .from(schema.members)
+      .where(eq(schema.members.householdId, config.householdId))
+      .orderBy(schema.members.displayName)
+
+    if (members.length === 0) {
+      throw new Error('No household members configured')
+    }
+
+    const rentRule = await db
+      .select({
+        amountMinor: schema.rentRules.amountMinor,
+        currency: schema.rentRules.currency
+      })
+      .from(schema.rentRules)
+      .where(
+        and(
+          eq(schema.rentRules.householdId, config.householdId),
+          lte(schema.rentRules.effectiveFromPeriod, cycle.period),
+          or(
+            isNull(schema.rentRules.effectiveToPeriod),
+            gte(schema.rentRules.effectiveToPeriod, cycle.period)
+          )
+        )
+      )
+      .orderBy(desc(schema.rentRules.effectiveFromPeriod))
+      .limit(1)
+
+    if (!rentRule[0]) {
+      throw new Error('No rent rule configured for this cycle period')
+    }
+
+    const utilityTotalRow = await db
+      .select({
+        totalMinor: sql<string>`coalesce(sum(${schema.utilityBills.amountMinor}), 0)`
+      })
+      .from(schema.utilityBills)
+      .where(eq(schema.utilityBills.cycleId, cycle.id))
+
+    const period = BillingPeriod.fromString(cycle.period)
+    const range = monthRange(period)
+
+    const purchases = await db
+      .select({
+        id: schema.purchaseMessages.id,
+        senderMemberId: schema.purchaseMessages.senderMemberId,
+        parsedAmountMinor: schema.purchaseMessages.parsedAmountMinor
+      })
+      .from(schema.purchaseMessages)
+      .where(
+        and(
+          eq(schema.purchaseMessages.householdId, config.householdId),
+          isNotNull(schema.purchaseMessages.senderMemberId),
+          isNotNull(schema.purchaseMessages.parsedAmountMinor),
+          gte(schema.purchaseMessages.messageSentAt, range.start),
+          lte(schema.purchaseMessages.messageSentAt, range.end)
+        )
+      )
+
+    const currency = parseCurrency(rentRule[0].currency, 'USD')
+    const utilitiesMinor = BigInt(utilityTotalRow[0]?.totalMinor ?? '0')
+
+    const settlementInput = {
+      cycleId: BillingCycleId.from(cycle.id),
+      period,
+      rent: Money.fromMinor(rentRule[0].amountMinor, currency),
+      utilities: Money.fromMinor(utilitiesMinor, currency),
+      utilitySplitMode: 'equal' as const,
+      members: members.map((member) => ({
+        memberId: MemberId.from(member.id),
+        active: true
+      })),
+      purchases: purchases.map((purchase) => ({
+        purchaseId: PurchaseEntryId.from(purchase.id),
+        payerId: MemberId.from(purchase.senderMemberId!),
+        amount: Money.fromMinor(purchase.parsedAmountMinor!, currency)
+      }))
+    }
+
+    const settlement = calculateMonthlySettlement(settlementInput)
+    const inputHash = computeInputHash({
+      cycleId: cycle.id,
+      rentMinor: rentRule[0].amountMinor.toString(),
+      utilitiesMinor: utilitiesMinor.toString(),
+      purchaseCount: purchases.length,
+      memberCount: members.length
+    })
+
+    const upserted = await db
+      .insert(schema.settlements)
+      .values({
+        householdId: config.householdId,
+        cycleId: cycle.id,
+        inputHash,
+        totalDueMinor: settlement.totalDue.amountMinor,
+        currency,
+        metadata: {
+          generatedBy: 'bot-command',
+          source: 'statement'
+        }
+      })
+      .onConflictDoUpdate({
+        target: [schema.settlements.cycleId],
+        set: {
+          inputHash,
+          totalDueMinor: settlement.totalDue.amountMinor,
+          currency,
+          computedAt: new Date(),
+          metadata: {
+            generatedBy: 'bot-command',
+            source: 'statement'
+          }
+        }
+      })
+      .returning({ id: schema.settlements.id })
+
+    const settlementId = upserted[0]?.id
+    if (!settlementId) {
+      throw new Error('Failed to persist settlement snapshot')
+    }
+
+    await db
+      .delete(schema.settlementLines)
+      .where(eq(schema.settlementLines.settlementId, settlementId))
+
+    const memberNameById = new Map(members.map((member) => [member.id, member.displayName]))
+
+    await db.insert(schema.settlementLines).values(
+      settlement.lines.map((line) => ({
+        settlementId,
+        memberId: line.memberId.toString(),
+        rentShareMinor: line.rentShare.amountMinor,
+        utilityShareMinor: line.utilityShare.amountMinor,
+        purchaseOffsetMinor: line.purchaseOffset.amountMinor,
+        netDueMinor: line.netDue.amountMinor,
+        explanations: line.explanations
+      }))
+    )
+
+    const statementLines = settlement.lines.map((line) => {
+      const name = memberNameById.get(line.memberId.toString()) ?? line.memberId.toString()
+      return `- ${name}: ${line.netDue.toMajorString()} ${currency}`
+    })
+
+    return [
+      `Statement for ${cycle.period}`,
+      ...statementLines,
+      `Total: ${settlement.totalDue.toMajorString()} ${currency}`
+    ].join('\n')
+  }
+
+  function register(bot: Bot): void {
+    bot.command('cycle_open', async (ctx) => {
+      const admin = await requireAdmin(ctx)
+      if (!admin) {
+        return
+      }
+
+      const args = commandArgs(ctx)
+      if (args.length === 0) {
+        await ctx.reply('Usage: /cycle_open <YYYY-MM> [USD|GEL]')
+        return
+      }
+
+      try {
+        const period = BillingPeriod.fromString(args[0]!).toString()
+        const currency = parseCurrency(args[1], 'USD')
+
+        await db
+          .insert(schema.billingCycles)
+          .values({
+            householdId: config.householdId,
+            period,
+            currency
+          })
+          .onConflictDoNothing({
+            target: [schema.billingCycles.householdId, schema.billingCycles.period]
+          })
+
+        await ctx.reply(`Cycle opened: ${period} (${currency})`)
+      } catch (error) {
+        await ctx.reply(`Failed to open cycle: ${(error as Error).message}`)
+      }
+    })
+
+    bot.command('cycle_close', async (ctx) => {
+      const admin = await requireAdmin(ctx)
+      if (!admin) {
+        return
+      }
+
+      const args = commandArgs(ctx)
+      try {
+        const cycle = await getCycleByPeriodOrLatest(args[0])
+        if (!cycle) {
+          await ctx.reply('No cycle found to close.')
+          return
+        }
+
+        await db
+          .update(schema.billingCycles)
+          .set({
+            closedAt: new Date()
+          })
+          .where(eq(schema.billingCycles.id, cycle.id))
+
+        await ctx.reply(`Cycle closed: ${cycle.period}`)
+      } catch (error) {
+        await ctx.reply(`Failed to close cycle: ${(error as Error).message}`)
+      }
+    })
+
+    bot.command('rent_set', async (ctx) => {
+      const admin = await requireAdmin(ctx)
+      if (!admin) {
+        return
+      }
+
+      const args = commandArgs(ctx)
+      if (args.length === 0) {
+        await ctx.reply('Usage: /rent_set <amount> [USD|GEL] [YYYY-MM]')
+        return
+      }
+
+      try {
+        const openCycle = await getOpenCycle()
+        const period = args[2] ?? openCycle?.period
+        if (!period) {
+          await ctx.reply('No period provided and no open cycle found.')
+          return
+        }
+
+        const currency = parseCurrency(args[1], (openCycle?.currency as SupportedCurrency) ?? 'USD')
+        const amount = Money.fromMajor(args[0]!, currency)
+
+        await db
+          .insert(schema.rentRules)
+          .values({
+            householdId: config.householdId,
+            amountMinor: amount.amountMinor,
+            currency,
+            effectiveFromPeriod: BillingPeriod.fromString(period).toString()
+          })
+          .onConflictDoUpdate({
+            target: [schema.rentRules.householdId, schema.rentRules.effectiveFromPeriod],
+            set: {
+              amountMinor: amount.amountMinor,
+              currency
+            }
+          })
+
+        await ctx.reply(
+          `Rent rule saved: ${amount.toMajorString()} ${currency} starting ${BillingPeriod.fromString(period).toString()}`
+        )
+      } catch (error) {
+        await ctx.reply(`Failed to save rent rule: ${(error as Error).message}`)
+      }
+    })
+
+    bot.command('utility_add', async (ctx) => {
+      const admin = await requireAdmin(ctx)
+      if (!admin) {
+        return
+      }
+
+      const args = commandArgs(ctx)
+      if (args.length < 2) {
+        await ctx.reply('Usage: /utility_add <name> <amount> [USD|GEL]')
+        return
+      }
+
+      try {
+        const openCycle = await getOpenCycle()
+        if (!openCycle) {
+          await ctx.reply('No open cycle found. Use /cycle_open first.')
+          return
+        }
+
+        const name = args[0]!
+        const amountRaw = args[1]!
+        const currency = parseCurrency(args[2], parseCurrency(openCycle.currency, 'USD'))
+        const amount = Money.fromMajor(amountRaw, currency)
+
+        await db.insert(schema.utilityBills).values({
+          householdId: config.householdId,
+          cycleId: openCycle.id,
+          billName: name,
+          amountMinor: amount.amountMinor,
+          currency,
+          source: 'manual',
+          createdByMemberId: admin.id
+        })
+
+        await ctx.reply(
+          `Utility bill added: ${name} ${amount.toMajorString()} ${currency} for ${openCycle.period}`
+        )
+      } catch (error) {
+        await ctx.reply(`Failed to add utility bill: ${(error as Error).message}`)
+      }
+    })
+
+    bot.command('statement', async (ctx) => {
+      const member = await requireMember(ctx)
+      if (!member) {
+        return
+      }
+
+      const args = commandArgs(ctx)
+      try {
+        const cycle = await getCycleByPeriodOrLatest(args[0])
+        if (!cycle) {
+          await ctx.reply('No cycle found for statement.')
+          return
+        }
+
+        const message = await upsertSettlementSnapshot(cycle)
+        await ctx.reply(message)
+      } catch (error) {
+        await ctx.reply(`Failed to generate statement: ${(error as Error).message}`)
+      }
+    })
+  }
+
+  return {
+    register,
+    close: async () => {
+      await queryClient.end({ timeout: 5 })
+    }
+  }
+}
diff --git a/apps/bot/src/index.ts b/apps/bot/src/index.ts
index bc7c1ab..9d8d642 100644
--- a/apps/bot/src/index.ts
+++ b/apps/bot/src/index.ts
@@ -2,6 +2,7 @@ import { webhookCallback } from 'grammy'
 
 import { createTelegramBot } from './bot'
 import { getBotRuntimeConfig } from './config'
+import { createFinanceCommandsService } from './finance-commands'
 import { createOpenAiParserFallback } from './openai-parser-fallback'
 import {
   createPurchaseMessageRepository,
@@ -13,11 +14,11 @@ const runtime = getBotRuntimeConfig()
 const bot = createTelegramBot(runtime.telegramBotToken)
 const webhookHandler = webhookCallback(bot, 'std/http')
 
-let closePurchaseRepository: (() => Promise<void>) | undefined
+const shutdownTasks: Array<() => Promise<void>> = []
 
 if (runtime.purchaseTopicIngestionEnabled) {
   const purchaseRepositoryClient = createPurchaseMessageRepository(runtime.databaseUrl!)
-  closePurchaseRepository = purchaseRepositoryClient.close
+  shutdownTasks.push(purchaseRepositoryClient.close)
   const llmFallback = createOpenAiParserFallback(runtime.openaiApiKey, runtime.parserModel)
 
   registerPurchaseTopicIngestion(
@@ -40,6 +41,17 @@ if (runtime.purchaseTopicIngestionEnabled) {
   )
 }
 
+if (runtime.financeCommandsEnabled) {
+  const financeCommands = createFinanceCommandsService(runtime.databaseUrl!, {
+    householdId: runtime.householdId!
+  })
+
+  financeCommands.register(bot)
+  shutdownTasks.push(financeCommands.close)
+} else {
+  console.warn('Finance commands are disabled. Set DATABASE_URL and HOUSEHOLD_ID to enable.')
+}
+
 const server = createBotWebhookServer({
   webhookPath: runtime.telegramWebhookPath,
   webhookSecret: runtime.telegramWebhookSecret,
@@ -57,7 +69,9 @@ if (import.meta.main) {
   )
 
   process.on('SIGTERM', () => {
-    void closePurchaseRepository?.()
+    for (const close of shutdownTasks) {
+      void close()
+    }
   })
 }
 
diff --git a/bun.lock b/bun.lock
index fe6d84e..d39779d 100644
--- a/bun.lock
+++ b/bun.lock
@@ -17,6 +17,7 @@
       "dependencies": {
         "@household/application": "workspace:*",
         "@household/db": "workspace:*",
+        "@household/domain": "workspace:*",
         "drizzle-orm": "^0.44.7",
         "grammy": "1.41.1",
       },