Activación: valor inicial como primer check-in + CTA en Quick Update vacío (build 84) #37

- AddSourceView: sección de valor reencuadrada como 'Valor de hoy' (primer check-in); si se omite, abre AddSnapshotView automáticamente en vez de dejar al usuario en el dashboard vacío
- QuickUpdateView: estado sin fuentes ahora tiene CTA 'Añade tu primera fuente' → .openAddFirstSource
- 3 claves nuevas localizadas en los 7 idiomas
- Bump a 1.6.1 (84)

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01VXtwQP6nYnbLFVqsHiTK5G

PortfolioJournal.xcodeproj/project.pbxproj

@@ -541,7 +541,7 @@
 				CODE_SIGN_ENTITLEMENTS = PortfolioJournal/PortfolioJournalDebug.entitlements;
 				ENABLE_USER_SCRIPT_SANDBOXING = NO;
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_ASSET_PATHS = PortfolioJournal/Assets.xcassets;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				ENABLE_PREVIEWS = YES;
@@ -559,7 +559,7 @@
 					"$(inherited)",
 					"@executable_path/Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournal;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				STRING_CATALOG_GENERATE_SYMBOLS = YES;
@@ -582,7 +582,7 @@
 				CODE_SIGN_IDENTITY = "Apple Distribution";
 				CODE_SIGN_STYLE = Manual;
 				PROVISIONING_PROFILE_SPECIFIER = "porfoliojournal";
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_ASSET_PATHS = PortfolioJournal/Assets.xcassets;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				ENABLE_PREVIEWS = YES;
@@ -600,7 +600,7 @@
 					"$(inherited)",
 					"@executable_path/Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournal;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				STRING_CATALOG_GENERATE_SYMBOLS = YES;
@@ -739,7 +739,7 @@
 				ASSETCATALOG_COMPILER_WIDGET_BACKGROUND_COLOR_NAME = WidgetBackground;
 				CODE_SIGN_ENTITLEMENTS = PortfolioJournalWidgetExtension.entitlements;
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_ASSET_PATHS = PortfolioJournalWidget/Assets.xcassets;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = NO;
@@ -752,7 +752,7 @@
 					"@executable_path/Frameworks",
 					"@executable_path/../../Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournal.PortfolioJournalWidget;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SKIP_INSTALL = YES;
@@ -774,7 +774,7 @@
 				CODE_SIGN_IDENTITY = "Apple Distribution";
 				CODE_SIGN_STYLE = Manual;
 				PROVISIONING_PROFILE_SPECIFIER = "Portfolio Journalwidget";
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_ASSET_PATHS = PortfolioJournalWidget/Assets.xcassets;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = NO;
@@ -787,7 +787,7 @@
 					"@executable_path/Frameworks",
 					"@executable_path/../../Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournal.PortfolioJournalWidget;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SKIP_INSTALL = YES;
@@ -805,7 +805,7 @@
 			buildSettings = {
 				BUNDLE_LOADER = "$(TEST_HOST)";
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = YES;
 				IPHONEOS_DEPLOYMENT_TARGET = 17.6;
@@ -814,7 +814,7 @@
 					"@executable_path/Frameworks",
 					"@loader_path/Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournalTests;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SWIFT_EMIT_LOC_STRINGS = NO;
@@ -829,7 +829,7 @@
 			buildSettings = {
 				BUNDLE_LOADER = "$(TEST_HOST)";
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = YES;
 				IPHONEOS_DEPLOYMENT_TARGET = 17.6;
@@ -838,7 +838,7 @@
 					"@executable_path/Frameworks",
 					"@loader_path/Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournalTests;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SWIFT_EMIT_LOC_STRINGS = NO;
@@ -852,7 +852,7 @@
 			isa = XCBuildConfiguration;
 			buildSettings = {
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = YES;
 				IPHONEOS_DEPLOYMENT_TARGET = 17.6;
@@ -861,7 +861,7 @@
 					"@executable_path/Frameworks",
 					"@loader_path/Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournalUITests;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SWIFT_EMIT_LOC_STRINGS = NO;
@@ -875,7 +875,7 @@
 			isa = XCBuildConfiguration;
 			buildSettings = {
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = YES;
 				IPHONEOS_DEPLOYMENT_TARGET = 17.6;
@@ -884,7 +884,7 @@
 					"@executable_path/Frameworks",
 					"@loader_path/Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournalUITests;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SWIFT_EMIT_LOC_STRINGS = NO;
@@ -899,7 +899,7 @@
 			buildSettings = {
 				CODE_SIGN_ENTITLEMENTS = PortfolioJournalQuickUpdateExtension.entitlements;
 				CODE_SIGN_STYLE = Automatic;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				GENERATE_INFOPLIST_FILE = NO;
 				INFOPLIST_FILE = PortfolioJournalQuickUpdate/Info.plist;
@@ -911,7 +911,7 @@
 					"@executable_path/Frameworks",
 					"@executable_path/../../Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournal.QuickUpdate;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SKIP_INSTALL = YES;
@@ -927,7 +927,7 @@
 				CODE_SIGN_ENTITLEMENTS = PortfolioJournalQuickUpdateExtension.entitlements;
 				CODE_SIGN_IDENTITY = "Apple Distribution";
 				CODE_SIGN_STYLE = Manual;
-				CURRENT_PROJECT_VERSION = 50;
+				CURRENT_PROJECT_VERSION = 84;
 				DEVELOPMENT_TEAM = 2825Q76T7H;
 				PROVISIONING_PROFILE_SPECIFIER = "PortfolioJournal QuickUpdate AppStore";
 				GENERATE_INFOPLIST_FILE = NO;
@@ -940,7 +940,7 @@
 					"@executable_path/Frameworks",
 					"@executable_path/../../Frameworks",
 				);
-				MARKETING_VERSION = 1.4.2;
+				MARKETING_VERSION = 1.6.1;
 				PRODUCT_BUNDLE_IDENTIFIER = com.alexandrevazquez.PortfolioJournal.QuickUpdate;
 				PRODUCT_NAME = "$(TARGET_NAME)";
 				SKIP_INSTALL = YES;

PortfolioJournal.xcodeproj/xcshareddata/xcschemes/PortfolioJournal.xcscheme

@@ -1,7 +1,7 @@
 <?xml version="1.0" encoding="UTF-8"?>
 <Scheme
    LastUpgradeVersion = "2620"
-   version = "1.7">
+   version = "1.3">
    <BuildAction
       parallelizeBuildables = "YES"
       buildImplicitDependencies = "YES"
@@ -34,7 +34,7 @@
             parallelizable = "YES">
             <BuildableReference
                BuildableIdentifier = "primary"
-               BlueprintIdentifier = "0ETEST001000000000000000"
+               BlueprintIdentifier = "0ETEST0012F31000000000001"
                BuildableName = "PortfolioJournalTests.xctest"
                BlueprintName = "PortfolioJournalTests"
                ReferencedContainer = "container:PortfolioJournal.xcodeproj">
@@ -73,6 +73,20 @@
             ReferencedContainer = "container:PortfolioJournal.xcodeproj">
          </BuildableReference>
       </BuildableProductRunnable>
+      <CommandLineArguments>
+         <CommandLineArgument
+            argument = "-com.apple.CoreData.Logging.stderr 1"
+            isEnabled = "YES">
+         </CommandLineArgument>
+         <CommandLineArgument
+            argument = "-InitializeCloudKitSchema"
+            isEnabled = "YES">
+         </CommandLineArgument>
+         <CommandLineArgument
+            argument = "-com.apple.CoreData.CloudKitDebug 3 "
+            isEnabled = "YES">
+         </CommandLineArgument>
+      </CommandLineArguments>
       <StoreKitConfigurationFileReference
          identifier = "../../PortfolioJournal/Configuration.storekit">
       </StoreKitConfigurationFileReference>

PortfolioJournal.xcodeproj/xcuserdata/alexandrev.xcuserdatad/xcschemes/xcschememanagement.plist

@@ -9,6 +9,11 @@
 			<key>orderHint</key>
 			<integer>1</integer>
 		</dict>
+		<key>PortfolioJournalQuickUpdate.xcscheme_^#shared#^_</key>
+		<dict>
+			<key>orderHint</key>
+			<integer>2</integer>
+		</dict>
 		<key>PortfolioJournalWidgetExtension.xcscheme_^#shared#^_</key>
 		<dict>
 			<key>orderHint</key>

PortfolioJournal/App/ContentView.swift

@@ -113,7 +113,11 @@ struct ContentView: View {
         }
         .task {
             await waitForDataAndResolveOnboarding()
-            if (resolvedOnboardingCompleted == true) && currentVersion != lastSeenWhatsNewVersion {
+            // Cumulative What's New: everything between the version the user
+            // comes from and the one they just installed. Empty catalog diff
+            // (e.g. patch release without entry) → no sheet.
+            if (resolvedOnboardingCompleted == true) && currentVersion != lastSeenWhatsNewVersion,
+               !WhatsNewCatalog.pendingReleases(since: lastSeenWhatsNewVersion, current: currentVersion).isEmpty {
                 // Small delay to let the UI settle before showing sheet
                 try? await Task.sleep(nanoseconds: 300_000_000)
                 showingWhatsNew = true
@@ -121,11 +125,23 @@ struct ContentView: View {
         }
         .onChange(of: onboardingCompleted) { _, completed in
             resolvedOnboardingCompleted = completed
+            // Fresh install: nothing is "new" for a user who just onboarded.
+            if completed && lastSeenWhatsNewVersion.isEmpty {
+                lastSeenWhatsNewVersion = currentVersion
+                // Straight to the aha moment: open Add Source instead of
+                // dropping the new user on an empty dashboard.
+                DispatchQueue.main.asyncAfter(deadline: .now() + 0.6) {
+                    NotificationCenter.default.post(name: .openAddFirstSource, object: nil)
+                }
+            }
         }
         .sheet(isPresented: $showingWhatsNew, onDismiss: {
             lastSeenWhatsNewVersion = currentVersion
         }) {
-            WhatsNewView()
+            WhatsNewView(releases: WhatsNewCatalog.pendingReleases(
+                since: lastSeenWhatsNewVersion,
+                current: currentVersion
+            ))
         }
         .onReceive(NotificationCenter.default.publisher(for: .openBatchUpdate)) { _ in
             tabSelection.selectedTab = 1
@@ -322,4 +338,5 @@ struct ContentView: View {
         .environmentObject(AdMobService())
         .environmentObject(AccountStore(iapService: IAPService()))
         .environmentObject(TabSelectionStore())
+        .environmentObject(BalancePrivacyManager.shared)
 }

PortfolioJournal/App/PortfolioJournalApp.swift

@@ -1,4 +1,6 @@
 import SwiftUI
+import CoreData
+import TipKit
 
 /// Support for automated App Store screenshot capture. Activated by launching the app
 /// with the `--screenshots` argument (used by the UI-test capture flow). Only mutates
@@ -29,6 +31,27 @@ enum ScreenshotMode {
     static func seedIfNeeded() {
         guard isActive else { return }
         SampleDataService.shared.seedSampleData()
+        makeCheckInPendingIfNeeded()
+    }
+
+    /// `--pending-checkin`: strip the seeded data back to a "month not done yet"
+    /// state (recent snapshots + this month's journal completion removed) so the
+    /// guided check-in flow can be exercised/captured.
+    private static func makeCheckInPendingIfNeeded() {
+        guard CommandLine.arguments.contains("--pending-checkin") else { return }
+        let context = CoreDataStack.shared.viewContext
+        let cutoff = Calendar.current.date(byAdding: .day, value: -40, to: Date()) ?? Date()
+
+        let snapshotRequest = Snapshot.fetchRequest()
+        snapshotRequest.predicate = NSPredicate(format: "date >= %@", cutoff as NSDate)
+        (try? context.fetch(snapshotRequest))?.forEach(context.delete)
+
+        let journalRequest = JournalEntry.fetchRequest()
+        journalRequest.predicate = NSPredicate(format: "completionTime >= %@", cutoff as NSDate)
+        (try? context.fetch(journalRequest))?.forEach(context.delete)
+
+        try? context.save()
+        SharedQuickUpdateSync.refreshMirror()
     }
 }
 
@@ -39,6 +62,7 @@ struct PortfolioJournalApp: App {
     @StateObject private var adMobService: AdMobService
     @StateObject private var accountStore: AccountStore
     @StateObject private var tabSelection = TabSelectionStore()
+    @StateObject private var balancePrivacy = BalancePrivacyManager.shared
     @Environment(\.scenePhase) private var scenePhase
 
     let coreDataStack = CoreDataStack.shared
@@ -51,6 +75,9 @@ struct PortfolioJournalApp: App {
         // Clean up any duplicate objects from previous bugs before initializing stores
         CoreDataStack.shared.cleanupDuplicateObjects()
 
+        // Feature-discovery tips (Quick Update, OCR, Siri, chart sharing)
+        try? Tips.configure([.displayFrequency(.daily)])
+
         let iap = IAPService()
         _iapService = StateObject(wrappedValue: iap)
         _adMobService = StateObject(wrappedValue: AdMobService())
@@ -66,6 +93,7 @@ struct PortfolioJournalApp: App {
                 .environmentObject(adMobService)
                 .environmentObject(accountStore)
                 .environmentObject(tabSelection)
+                .environmentObject(balancePrivacy)
         }
         .onChange(of: scenePhase) { _, newPhase in
             if newPhase == .active {
@@ -74,6 +102,10 @@ struct PortfolioJournalApp: App {
                 // iCloud changes made on other devices while this device was inactive
                 // are reflected immediately without waiting for a remote-change notification.
                 coreDataStack.refreshFromCloudKit()
+                // Auto-backup: writes a lossless JSON snapshot on the configured cadence.
+                DispatchQueue.global(qos: .utility).async {
+                    BackupService.shared.runScheduledBackupIfNeeded()
+                }
                 NotificationService.shared.scheduleReEngagementNotification()
                 NotificationService.shared.scheduleMonthlyCheckIn()
                 NotificationService.shared.scheduleStreakProtectionReminder()

PortfolioJournal/Models/CoreData/Account+CoreDataClass.swift

@@ -7,9 +7,21 @@ public class Account: NSManagedObject, Identifiable {
         return NSFetchRequest<Account>(entityName: "Account")
     }
 
-    @NSManaged public var id: UUID
-    @NSManaged public var name: String
-    @NSManaged public var createdAt: Date
+    @objc public var id: UUID {
+        get { safeValue(forKey: "id", fallback: UUID(), healing: true) }
+        set { setManagedValue(newValue, forKey: "id") }
+    }
+    @objc public var name: String {
+        get { safeValue(forKey: "name", fallback: "") }
+        set { setManagedValue(newValue, forKey: "name") }
+    }
+    // createdAt is optional in the model; a non-optional @NSManaged Date crashes the
+    // CloudKit merge when an imported record materialises with a transient nil.
+    // Same nil-tolerant accessor pattern already applied to Snapshot.
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var currency: String?
     @NSManaged public var inputMode: String
     @NSManaged public var notificationFrequency: String
@@ -34,6 +46,11 @@ public class Account: NSManagedObject, Identifiable {
 
 extension Account {
     static let defaultAccountName = "Default"
+
+    /// Deterministic UUID for the auto-created "Default" account, so every device
+    /// creates it as the SAME CloudKit record instead of a per-device duplicate.
+    /// See StableID.
+    static let defaultAccountStableID = StableID.v5("account:default")
 }
 
 // MARK: - Computed Properties

PortfolioJournal/Models/CoreData/Category+CoreDataClass.swift

@@ -8,10 +8,22 @@ public class Category: NSManagedObject, Identifiable {
         return NSFetchRequest<Category>(entityName: "Category")
     }
 
-    @NSManaged public var id: UUID
-    @NSManaged public var name: String
-    @NSManaged public var colorHex: String
-    @NSManaged public var icon: String
+    @objc public var id: UUID {
+        get { safeValue(forKey: "id", fallback: UUID(), healing: true) }
+        set { setManagedValue(newValue, forKey: "id") }
+    }
+    @objc public var name: String {
+        get { safeValue(forKey: "name", fallback: "") }
+        set { setManagedValue(newValue, forKey: "name") }
+    }
+    @objc public var colorHex: String {
+        get { safeValue(forKey: "colorHex", fallback: "#6B7280") }
+        set { setManagedValue(newValue, forKey: "colorHex") }
+    }
+    @objc public var icon: String {
+        get { safeValue(forKey: "icon", fallback: "questionmark") }
+        set { setManagedValue(newValue, forKey: "icon") }
+    }
     @NSManaged public var sortOrder: Int16
     @NSManaged public var createdAt: Date
     @NSManaged public var allocationTarget: NSNumber?
@@ -80,9 +92,17 @@ extension Category {
         ("ETFs", "#EC4899", "chart.bar.fill")
     ]
 
+    /// Deterministic UUID for a default category, so every device creates each
+    /// default category as the SAME CloudKit record instead of a per-device
+    /// duplicate. Only meaningful for the built-in default names. See StableID.
+    static func stableID(for name: String) -> UUID {
+        StableID.v5("category:\(name.lowercased())")
+    }
+
     static func createDefaultCategories(in context: NSManagedObjectContext) {
         for (index, categoryData) in defaultCategories.enumerated() {
             let category = Category(context: context)
+            category.id = stableID(for: categoryData.name)
             category.name = categoryData.name
             category.colorHex = categoryData.colorHex
             category.icon = categoryData.icon

PortfolioJournal/Models/CoreData/Goal+CoreDataClass.swift

@@ -7,12 +7,24 @@ public class Goal: NSManagedObject, Identifiable {
         return NSFetchRequest<Goal>(entityName: "Goal")
     }
 
-    @NSManaged public var id: UUID
-    @NSManaged public var name: String
+    @objc public var id: UUID {
+        get { safeValue(forKey: "id", fallback: UUID(), healing: true) }
+        set { setManagedValue(newValue, forKey: "id") }
+    }
+    @objc public var name: String {
+        get { safeValue(forKey: "name", fallback: "") }
+        set { setManagedValue(newValue, forKey: "name") }
+    }
     @NSManaged public var targetAmount: NSDecimalNumber?
     @NSManaged public var targetDate: Date?
     @NSManaged public var isActive: Bool
-    @NSManaged public var createdAt: Date
+    // createdAt is optional in the model; a non-optional @NSManaged Date crashes the
+    // CloudKit merge when an imported record materialises with a transient nil.
+    // Same nil-tolerant accessor pattern already applied to Snapshot.
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var account: Account?
 
     public override func awakeFromInsert() {

PortfolioJournal/Models/CoreData/InvestmentSource+CoreDataClass.swift

@@ -7,13 +7,25 @@ public class InvestmentSource: NSManagedObject, Identifiable {
         return NSFetchRequest<InvestmentSource>(entityName: "InvestmentSource")
     }
 
-    @NSManaged public var id: UUID
-    @NSManaged public var name: String
+    @objc public var id: UUID {
+        get { safeValue(forKey: "id", fallback: UUID(), healing: true) }
+        set { setManagedValue(newValue, forKey: "id") }
+    }
+    @objc public var name: String {
+        get { safeValue(forKey: "name", fallback: "") }
+        set { setManagedValue(newValue, forKey: "name") }
+    }
     @NSManaged public var notificationFrequency: String
     @NSManaged public var customFrequencyMonths: Int16
     @NSManaged public var isActive: Bool
     @NSManaged public var monthlyContribution: NSDecimalNumber?
-    @NSManaged public var createdAt: Date
+    // createdAt is optional in the model; a non-optional @NSManaged Date crashes the
+    // CloudKit merge when an imported record materialises with a transient nil.
+    // Same nil-tolerant accessor pattern already applied to Snapshot.
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var category: Category?
     @NSManaged public var account: Account?
     @NSManaged public var snapshots: NSSet?

PortfolioJournal/Models/CoreData/NSManagedObject+SafeAccessors.swift

@@ -0,0 +1,34 @@
+import CoreData
+
+// MARK: - Nil-tolerant accessors for CloudKit-synced attributes
+//
+// Attributes declared non-optional in Swift (`id: UUID`, `date: Date`, …) CAN
+// be nil at runtime: NSPersistentCloudKitContainer merges records from other
+// devices in stages, and deleted objects may still be referenced by live views.
+// Reading them through `@NSManaged` force-bridges nil and crashes
+// (`UUID/Date._unconditionallyBridgeFromObjectiveC`) — seen in production in
+// SwiftUI ForEach identity (nil id) and ChartsViewModel.monthlyTotals (nil
+// date). These helpers read the primitive value and fall back safely.
+extension NSManagedObject {
+    /// Reads a primitive attribute, returning `fallback` when nil. With
+    /// `healing: true` the fallback is also written back to the primitive
+    /// (without dirtying the object) so identity stays stable for the session.
+    func safeValue<T>(forKey key: String, fallback: @autoclosure () -> T, healing: Bool = false) -> T {
+        willAccessValue(forKey: key)
+        defer { didAccessValue(forKey: key) }
+        if let value = primitiveValue(forKey: key) as? T {
+            return value
+        }
+        let healed = fallback()
+        if healing {
+            setPrimitiveValue(healed, forKey: key)
+        }
+        return healed
+    }
+
+    func setManagedValue<T>(_ value: T, forKey key: String) {
+        willChangeValue(forKey: key)
+        setPrimitiveValue(value, forKey: key)
+        didChangeValue(forKey: key)
+    }
+}

PortfolioJournal/Models/CoreData/PortfolioJournal.xcdatamodeld/PortfolioJournal.xcdatamodel/contents

@@ -21,8 +21,8 @@
         <attribute name="name" attributeType="String" defaultValueString=""/>
         <attribute name="notificationFrequency" attributeType="String" defaultValueString="monthly"/>
         <attribute name="sortOrder" attributeType="Integer 16" defaultValueString="0" usesScalarValueType="YES"/>
-        <relationship name="goals" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="Goal" inverseName="account" inverseEntity="Goal"/>
-        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="InvestmentSource" inverseName="account" inverseEntity="InvestmentSource"/>
+        <relationship name="goals" optional="YES" toMany="YES" deletionRule="Nullify" destinationEntity="Goal" inverseName="account" inverseEntity="Goal"/>
+        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Nullify" destinationEntity="InvestmentSource" inverseName="account" inverseEntity="InvestmentSource"/>
     </entity>
     <entity name="Category" representedClassName="Category" syncable="YES">
         <attribute name="allocationTarget" optional="YES" attributeType="Double" usesScalarValueType="NO"/>
@@ -32,7 +32,7 @@
         <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
         <attribute name="name" attributeType="String" defaultValueString=""/>
         <attribute name="sortOrder" attributeType="Integer 16" defaultValueString="0" usesScalarValueType="YES"/>
-        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Cascade" destinationEntity="InvestmentSource" inverseName="category" inverseEntity="InvestmentSource"/>
+        <relationship name="sources" optional="YES" toMany="YES" deletionRule="Nullify" destinationEntity="InvestmentSource" inverseName="category" inverseEntity="InvestmentSource"/>
     </entity>
     <entity name="InvestmentSource" representedClassName="InvestmentSource" syncable="YES">
         <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
@@ -100,6 +100,7 @@
         <attribute name="createdAt" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
         <attribute name="date" optional="YES" attributeType="Date" usesScalarValueType="NO"/>
         <attribute name="id" optional="YES" attributeType="UUID" usesScalarValueType="NO"/>
+        <attribute name="isEstimated" optional="YES" attributeType="Boolean" defaultValueString="NO" usesScalarValueType="YES"/>
         <attribute name="notes" optional="YES" attributeType="String"/>
         <attribute name="value" optional="YES" attributeType="Decimal"/>
         <relationship name="source" optional="YES" maxCount="1" deletionRule="Nullify" destinationEntity="InvestmentSource" inverseName="snapshots" inverseEntity="InvestmentSource"/>

PortfolioJournal/Models/CoreData/Snapshot+CoreDataClass.swift

@@ -7,12 +7,25 @@ public class Snapshot: NSManagedObject, Identifiable {
         return NSFetchRequest<Snapshot>(entityName: "Snapshot")
     }
 
-    @NSManaged public var id: UUID
-    @NSManaged public var date: Date
+    @objc public var id: UUID {
+        get { safeValue(forKey: "id", fallback: UUID(), healing: true) }
+        set { setManagedValue(newValue, forKey: "id") }
+    }
+    @objc public var date: Date {
+        get { safeValue(forKey: "date", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "date") }
+    }
     @NSManaged public var value: NSDecimalNumber?
     @NSManaged public var contribution: NSDecimalNumber?
     @NSManaged public var notes: String?
-    @NSManaged public var createdAt: Date
+    /// True for auto-generated (interpolated) snapshots that fill a gap between two
+    /// real snapshots. Estimated snapshots are shown with a distinct marker and can
+    /// be removed in bulk. Defaults to false (model default) for all real snapshots.
+    @NSManaged public var isEstimated: Bool
+    @objc public var createdAt: Date {
+        get { safeValue(forKey: "createdAt", fallback: .distantPast) }
+        set { setManagedValue(newValue, forKey: "createdAt") }
+    }
     @NSManaged public var source: InvestmentSource?
 
     public override func awakeFromInsert() {

PortfolioJournal/Models/CoreDataStack.swift

@@ -123,6 +123,15 @@ class CoreDataStack: ObservableObject {
     @Published private(set) var lastExportDate: Date?
     @Published private(set) var isSyncing = false
     @Published private(set) var lastSyncError: String?
+    /// Full recursive dump of the last sync error tree (leaf CKError codes, record
+    /// types, retry-after, raw userInfo keys). Surfaced in the copyable diagnostics
+    /// so we can see WHICH record CloudKit rejects, not just the opaque code 2.
+    @Published private(set) var lastSyncErrorDetail: String?
+    /// Human-readable, actionable explanation of the last sync error (nil if none).
+    @Published private(set) var lastSyncErrorHint: String?
+    /// True only when sync is genuinely broken (never synced + total failure).
+    /// Partial failures after a working sync are informational, not alarming.
+    @Published private(set) var syncErrorIsCritical = false
 
     var lastSyncDate: Date? { lastImportDate }
 
@@ -183,9 +192,32 @@ class CoreDataStack: ObservableObject {
                 print("Core Data failed to load: \(error), \(error.userInfo)")
             } else {
                 print("Core Data loaded successfully at: \(description.url?.path ?? "unknown")")
+                #if DEBUG
+                // Dev-only, opt-in: push the FULL model schema to the Development CloudKit
+                // environment so optional fields that were never exported by a Debug run
+                // (e.g. monthlyContribution on InvestmentSource, allocationTarget on Category)
+                // get materialised — otherwise they can't be deployed to Production and every
+                // Production export rejects those records (bare CKErrorPartialFailure).
+                // Run ONCE from Xcode with launch arg -InitializeCloudKitSchema, watch for the
+                // ✅ log, then deploy to Production in the CloudKit Console and remove the arg.
+                if ProcessInfo.processInfo.arguments.contains("-InitializeCloudKitSchema"),
+                   let ckContainer = container as? NSPersistentCloudKitContainer {
+                    do {
+                        try ckContainer.initializeCloudKitSchema(options: [])
+                        print("✅ CloudKit schema initialized in Development. Now open the CloudKit Console → Deploy Schema Changes → Production.")
+                    } catch {
+                        print("❌ initializeCloudKitSchema failed: \(error)")
+                    }
+                }
+                #endif
             }
             DispatchQueue.main.async {
                 self?.isLoaded = true
+                // Merge the pre-stable-UUID default duplicates. Safe now: the merge
+                // reassigns children then deletes losers, and the relevant relationships
+                // use the Nullify delete rule so a propagated parent-delete can never
+                // cascade-wipe children (unlike the build-68 Cascade disaster).
+                self?.mergeDefaultDuplicates()
                 MonthlyCheckInStore.migrateIfNeeded()
                 // Migrate device-local UserDefaults data into Core Data so it syncs via iCloud.
                 MonthlyContributionStore.migrateIfNeeded(context: container.viewContext)
@@ -276,6 +308,243 @@ class CoreDataStack: ObservableObject {
         return objectsToDelete.count
     }
 
+    // MARK: - Logical Duplicate Cleanup (cross-device / cross-environment)
+
+    /// Removes *logical* duplicates: records that represent the same real-world
+    /// entity but carry DIFFERENT UUIDs. These appear when the same data is
+    /// created independently on two devices — or in the Development vs Production
+    /// CloudKit environments — and then merged by CloudKit, which keys on the
+    /// record name (our UUID) and therefore never recognises them as the same,
+    /// keeping both. The classic trigger here: `createDefaultAccountIfNeeded` and
+    /// `ensureDefaultCategoriesExist` seed defaults on every device at launch
+    /// *before* the first import arrives, so each device contributes its own
+    /// "Default" account + 8 categories → they pile up (8 accounts, 23 categories).
+    ///
+    /// The UUID-based `cleanupDuplicateObjects()` cannot catch these because the
+    /// UUIDs differ. Here we group by a stable *business key* and keep a single
+    /// deterministic winner (earliest `createdAt`, tie-broken by lowest UUID —
+    /// both synced fields, so every device independently picks the SAME survivor
+    /// and the deletes converge instead of racing each other into data loss),
+    /// reassigning children onto the survivor before deleting the losers.
+    @discardableResult
+    func cleanupLogicalDuplicates() -> Int {
+        var removed = 0
+        let context = viewContext
+        context.performAndWait {
+            // Parents first: re-point children onto the surviving parent so the
+            // child keys (which embed the parent's id) stay stable for later passes.
+            removed += mergeLogicalDuplicates(
+                entityName: "Account",
+                childRelationships: ["sources", "goals"],
+                context: context,
+                key: { obj in
+                    let name = (obj.value(forKey: "name") as? String ?? "")
+                        .trimmingCharacters(in: .whitespacesAndNewlines).lowercased()
+                    return name.isEmpty ? "" : "account|\(name)"
+                })
+
+            removed += mergeLogicalDuplicates(
+                entityName: "Category",
+                childRelationships: ["sources"],
+                context: context,
+                key: { obj in
+                    let name = (obj.value(forKey: "name") as? String ?? "")
+                        .trimmingCharacters(in: .whitespacesAndNewlines).lowercased()
+                    return name.isEmpty ? "" : "category|\(name)"
+                })
+
+            removed += mergeLogicalDuplicates(
+                entityName: "InvestmentSource",
+                childRelationships: ["snapshots", "transactions"],
+                context: context,
+                key: { obj in
+                    let name = (obj.value(forKey: "name") as? String ?? "")
+                        .trimmingCharacters(in: .whitespacesAndNewlines).lowercased()
+                    guard !name.isEmpty else { return "" }
+                    let acc = (obj.value(forKey: "account") as? NSManagedObject)?
+                        .value(forKey: "id") as? UUID
+                    return "source|\(acc?.uuidString ?? "none")|\(name)"
+                })
+
+            removed += mergeLogicalDuplicates(
+                entityName: "Snapshot",
+                childRelationships: [],
+                context: context,
+                key: { obj in
+                    // Only dedup snapshots that share the same source, same day AND
+                    // same value — a true copy. Orphans (nil source) are left alone.
+                    guard let src = (obj.value(forKey: "source") as? NSManagedObject)?
+                            .value(forKey: "id") as? UUID,
+                          let date = obj.value(forKey: "date") as? Date else { return "" }
+                    let day = (date.timeIntervalSinceReferenceDate / 86_400).rounded(.down)
+                    let value = (obj.value(forKey: "value") as? NSDecimalNumber)?
+                        .stringValue ?? "nil"
+                    return "snapshot|\(src.uuidString)|\(day)|\(value)"
+                })
+
+            removed += mergeLogicalDuplicates(
+                entityName: "Goal",
+                childRelationships: [],
+                context: context,
+                key: { obj in
+                    let name = (obj.value(forKey: "name") as? String ?? "")
+                        .trimmingCharacters(in: .whitespacesAndNewlines).lowercased()
+                    guard !name.isEmpty else { return "" }
+                    let target = (obj.value(forKey: "targetAmount") as? NSDecimalNumber)?
+                        .stringValue ?? "nil"
+                    return "goal|\(name)|\(target)"
+                })
+
+            removed += mergeLogicalDuplicates(
+                entityName: "JournalEntry",
+                childRelationships: [],
+                context: context,
+                key: { obj in
+                    let monthKey = (obj.value(forKey: "monthKey") as? String ?? "")
+                        .trimmingCharacters(in: .whitespacesAndNewlines).lowercased()
+                    return monthKey.isEmpty ? "" : "journal|\(monthKey)"
+                })
+
+            if context.hasChanges {
+                try? context.save()
+            }
+        }
+        return removed
+    }
+
+    /// Groups objects of `entityName` by `key`, keeps one deterministic winner
+    /// per group, moves every child in `childRelationships` from the losers onto
+    /// the winner, then deletes the losers. An empty key means "never dedup this
+    /// object" (degenerate identity — e.g. no name, orphan snapshot).
+    @discardableResult
+    private func mergeLogicalDuplicates(
+        entityName: String,
+        childRelationships: [String],
+        context: NSManagedObjectContext,
+        key: (NSManagedObject) -> String
+    ) -> Int {
+        let request = NSFetchRequest<NSManagedObject>(entityName: entityName)
+        guard let objects = try? context.fetch(request), !objects.isEmpty else { return 0 }
+
+        var groups: [String: [NSManagedObject]] = [:]
+        for obj in objects {
+            let k = key(obj)
+            guard !k.isEmpty else { continue }
+            groups[k, default: []].append(obj)
+        }
+
+        var removed = 0
+        for (_, group) in groups where group.count > 1 {
+            // Deterministic ordering → same winner on every device.
+            let sorted = group.sorted { a, b in
+                let ca = (a.value(forKey: "createdAt") as? Date) ?? .distantPast
+                let cb = (b.value(forKey: "createdAt") as? Date) ?? .distantPast
+                if ca != cb { return ca < cb }
+                let ia = (a.value(forKey: "id") as? UUID)?.uuidString ?? ""
+                let ib = (b.value(forKey: "id") as? UUID)?.uuidString ?? ""
+                return ia < ib
+            }
+            let winner = sorted[0]
+            for loser in sorted.dropFirst() {
+                for rel in childRelationships {
+                    let children = loser.mutableSetValue(forKey: rel)
+                    guard children.count > 0 else { continue }
+                    let winnerChildren = winner.mutableSetValue(forKey: rel)
+                    // Snapshot children first so the winner is a superset before delete.
+                    for child in children.allObjects {
+                        winnerChildren.add(child)  // reassigns the modeled inverse
+                    }
+                }
+                context.delete(loser)
+                removed += 1
+            }
+        }
+        if removed > 0 {
+            print("[LogicalDedup] \(entityName): removed \(removed) duplicate(s)")
+        }
+        return removed
+    }
+
+    // MARK: - Merge Default Duplicates (CloudKit-safe)
+
+    /// Merges the duplicate default Accounts and Categories that piled up before
+    /// the stable-UUID fix (per-device "Default" accounts + default categories with
+    /// random UUIDs). CloudKit-safe now because Account.sources/goals and
+    /// Category.sources use the Nullify delete rule — so a merged-away parent's
+    /// delete can never cascade-wipe children on any device (the build-68 disaster
+    /// was Cascade + cross-device import ordering). Children are reassigned to a
+    /// DETERMINISTIC winner (the stable-UUID record if present, else earliest
+    /// createdAt / lowest UUID) so every device converges on the same survivor.
+    @discardableResult
+    func mergeDefaultDuplicates() -> Int {
+        var merged = 0
+        let context = viewContext
+        context.performAndWait {
+            merged += mergeDefaultAccounts(in: context)
+            merged += mergeDuplicateCategories(in: context)
+            if context.hasChanges { try? context.save() }
+        }
+        return merged
+    }
+
+    private func deterministicWinner(_ objects: [NSManagedObject], stableID: UUID?) -> NSManagedObject? {
+        if let stableID, let canonical = objects.first(where: { ($0.value(forKey: "id") as? UUID) == stableID }) {
+            return canonical
+        }
+        return objects.sorted {
+            let a = ($0.value(forKey: "createdAt") as? Date) ?? .distantPast
+            let b = ($1.value(forKey: "createdAt") as? Date) ?? .distantPast
+            if a != b { return a < b }
+            let ida = ($0.value(forKey: "id") as? UUID)?.uuidString ?? ""
+            let idb = ($1.value(forKey: "id") as? UUID)?.uuidString ?? ""
+            return ida < idb
+        }.first
+    }
+
+    private func reassign(_ children: Any?, key: String, to winner: NSManagedObject) {
+        guard let set = children as? Set<NSManagedObject> else { return }
+        for child in Array(set) { child.setValue(winner, forKey: key) }
+    }
+
+    private func mergeDefaultAccounts(in context: NSManagedObjectContext) -> Int {
+        let request = NSFetchRequest<NSManagedObject>(entityName: "Account")
+        request.predicate = NSPredicate(format: "name == %@", Account.defaultAccountName)
+        guard let accounts = try? context.fetch(request), accounts.count > 1,
+              let winner = deterministicWinner(accounts, stableID: Account.defaultAccountStableID) else { return 0 }
+        var removed = 0
+        for loser in accounts where loser !== winner {
+            reassign(loser.value(forKey: "sources"), key: "account", to: winner)
+            reassign(loser.value(forKey: "goals"), key: "account", to: winner)
+            context.delete(loser)
+            removed += 1
+        }
+        if removed > 0 { print("[MergeDefaults] accounts: removed \(removed)") }
+        return removed
+    }
+
+    private func mergeDuplicateCategories(in context: NSManagedObjectContext) -> Int {
+        let request = NSFetchRequest<NSManagedObject>(entityName: "Category")
+        guard let categories = try? context.fetch(request), !categories.isEmpty else { return 0 }
+        var byName: [String: [NSManagedObject]] = [:]
+        for c in categories {
+            let name = (c.value(forKey: "name") as? String ?? "").trimmingCharacters(in: .whitespacesAndNewlines).lowercased()
+            guard !name.isEmpty else { continue }
+            byName[name, default: []].append(c)
+        }
+        var removed = 0
+        for (name, group) in byName where group.count > 1 {
+            let stable = Category.stableID(for: name)
+            guard let winner = deterministicWinner(group, stableID: stable) else { continue }
+            for loser in group where loser !== winner {
+                reassign(loser.value(forKey: "sources"), key: "category", to: winner)
+                context.delete(loser)
+                removed += 1
+            }
+        }
+        if removed > 0 { print("[MergeDefaults] categories: removed \(removed)") }
+        return removed
+    }
+
     // MARK: - Save Context
 
     func save() {
@@ -317,6 +586,12 @@ class CoreDataStack: ObservableObject {
             if removed > 0 {
                 print("[RemoteChanges] Removed \(removed) duplicate objects after CloudKit import")
             }
+            // Merge default duplicates after each import (CloudKit-safe via Nullify
+            // rules + deterministic winner → devices converge, no cascade wipes).
+            let mergedDefaults = self.mergeDefaultDuplicates()
+            if mergedDefaults > 0 {
+                print("[RemoteChanges] Merged \(mergedDefaults) default duplicates after CloudKit import")
+            }
             // Notify repositories to re-fetch unconditionally.
             NotificationCenter.default.post(name: .cloudKitForceReload, object: nil)
             self.objectWillChange.send()
@@ -343,6 +618,15 @@ class CoreDataStack: ObservableObject {
                 } else if let error = event.error {
                     let typeLabel = event.type == .import ? "import" : event.type == .export ? "export" : "setup"
                     self.lastSyncError = "\(typeLabel): \(Self.describeError(error))"
+                    self.lastSyncErrorDetail = "\(typeLabel)\n\(Self.deepErrorReport(error))"
+                    self.lastSyncErrorHint = Self.hint(for: error)
+                    // Severity: a partial failure AFTER sync has worked at least
+                    // once is background noise (a subset of records CloudKit
+                    // retries), NOT a broken-sync alarm. Only a total failure with
+                    // no data ever synced is critical.
+                    let hasSyncedBefore = self.lastImportDate != nil || self.lastExportDate != nil
+                    let isPartial = (error as NSError).code == 2  // CKErrorPartialFailure
+                    self.syncErrorIsCritical = !(hasSyncedBefore || isPartial)
                     print("CloudKit \(typeLabel) full error:\n\(error)\nuserInfo: \((error as NSError).userInfo)")
                 }
             }
@@ -376,6 +660,144 @@ class CoreDataStack: ObservableObject {
         return parts.joined(separator: "\n")
     }
 
+    /// Turns an opaque CloudKit error into a human-readable, actionable hint by
+    /// digging into CKPartialErrorsByItemIDKey — the per-record failures hidden
+    /// inside a CKErrorPartialFailure (code 2). The dominant underlying code
+    /// tells us the real problem: schema not deployed (unknownItem/invalidArguments)
+    /// vs. quota vs. transient network.
+    static func hint(for error: Error) -> String? {
+        let ns = error as NSError
+        // Collect all leaf CKError codes across a possible partial-failure tree.
+        var codes: [Int] = []
+        func collect(_ e: NSError) {
+            if e.domain == "CKErrorDomain", e.code != 2 { codes.append(e.code) }
+            if let partial = e.userInfo["CKPartialErrorsByItemIDKey"] as? [AnyHashable: Any] {
+                for case let sub as NSError in partial.values { collect(sub) }
+            }
+            for value in e.userInfo.values {
+                if let sub = value as? NSError, sub !== e { collect(sub) }
+            }
+        }
+        collect(ns)
+
+        // CKError codes: 14 = unknownItem, 12 = invalidArguments, 6 = partialFailure,
+        // 25 = quotaExceeded, 4 = networkFailure/unavailable, 3 = networkUnavailable,
+        // 15 = serverRejectedRequest, 26 = operationCancelled.
+        if codes.contains(14) || codes.contains(12) || codes.contains(15) {
+            return String(localized: "icloud_hint_schema")
+        }
+        if codes.contains(25) {
+            return String(localized: "icloud_hint_quota")
+        }
+        if codes.contains(3) || codes.contains(4) {
+            return String(localized: "icloud_hint_network")
+        }
+        if ns.code == 2 {
+            return String(localized: "icloud_hint_partial_generic")
+        }
+        return nil
+    }
+
+    /// Full recursive walk of a CloudKit/Core Data error tree. Unlike `describeError`
+    /// (a compact one-liner), this follows NSUnderlyingError chains and
+    /// CKPartialErrorsByItemIDKey, and pulls the failing record TYPE out of any
+    /// embedded CKRecord — which is what tells us WHICH entity CloudKit rejects.
+    static func deepErrorReport(_ error: Error) -> String {
+        var lines: [String] = []
+        var leafCodes = Set<Int>()
+        var recordTypes = Set<String>()
+        var visited = 0
+
+        func walk(_ err: Error, indent: Int) {
+            guard visited < 300 else { return }
+            visited += 1
+            let ns = err as NSError
+            let pad = String(repeating: "  ", count: indent)
+            lines.append("\(pad)\(ns.domain)(\(ns.code))")
+            if ns.domain == "CKErrorDomain", ns.code != 2 { leafCodes.insert(ns.code) }
+
+            let info = ns.userInfo
+            if let reason = info[NSLocalizedFailureReasonErrorKey] as? String {
+                lines.append("\(pad)  reason: \(reason)")
+            }
+            if let desc = info[NSLocalizedDescriptionKey] as? String {
+                lines.append("\(pad)  desc: \(desc)")
+            }
+            if let retry = info["CKErrorRetryAfterKey"] {
+                lines.append("\(pad)  retryAfter: \(retry)")
+            }
+            for key in ["CKRecordChangedErrorServerRecordKey",
+                        "CKRecordChangedErrorClientRecordKey",
+                        "CKRecordChangedErrorAncestorRecordKey"] {
+                if let rec = info[key] as? CKRecord {
+                    recordTypes.insert(rec.recordType)
+                    lines.append("\(pad)  record: \(rec.recordType) [\(rec.recordID.recordName)]")
+                }
+            }
+            if let partial = info["CKPartialErrorsByItemIDKey"] as? [AnyHashable: Any] {
+                lines.append("\(pad)  partialErrors: \(partial.count)")
+                for (rid, value) in partial.prefix(25) {
+                    if let name = (rid as? CKRecord.ID)?.recordName {
+                        lines.append("\(pad)    item: \(name)")
+                    }
+                    if let sub = value as? Error { walk(sub, indent: indent + 3) }
+                }
+            }
+            if let underlying = info[NSUnderlyingErrorKey] as? Error {
+                lines.append("\(pad)  underlying:")
+                walk(underlying, indent: indent + 2)
+            }
+            for (k, v) in info {
+                let ks = "\(k)"
+                if ks == NSUnderlyingErrorKey || ks == "CKPartialErrorsByItemIDKey" { continue }
+                if let sub = v as? Error, (sub as NSError) !== ns {
+                    lines.append("\(pad)  [\(ks)]:")
+                    walk(sub, indent: indent + 2)
+                }
+            }
+            let keys = info.keys.map { "\($0)" }.sorted()
+            if !keys.isEmpty { lines.append("\(pad)  keys: \(keys.joined(separator: ", "))") }
+        }
+
+        walk(error, indent: 0)
+
+        var summary = ""
+        if !leafCodes.isEmpty {
+            summary += "leafCKCodes: [\(leafCodes.sorted().map(String.init).joined(separator: ", "))]\n"
+        }
+        if !recordTypes.isEmpty {
+            summary += "recordTypes: [\(recordTypes.sorted().joined(separator: ", "))]\n"
+        }
+        return summary + lines.joined(separator: "\n")
+    }
+
+    /// Local Core Data integrity probe: per-entity counts + records with nil id /
+    /// nil createdAt / orphan relationships that can silently block a CloudKit export.
+    func integrityReport() -> String {
+        let ctx = viewContext
+        var lines: [String] = []
+        let entities = ["Account", "Category", "InvestmentSource", "Snapshot", "Goal", "JournalEntry"]
+        for name in entities {
+            let count = (try? ctx.count(for: NSFetchRequest<NSManagedObject>(entityName: name))) ?? -1
+            lines.append("\(name): \(count)")
+        }
+        func flag(_ label: String, _ n: Int) { if n > 0 { lines.append("⚠︎ \(label): \(n)") } }
+        func fetch(_ name: String) -> [NSManagedObject] {
+            (try? ctx.fetch(NSFetchRequest<NSManagedObject>(entityName: name))) ?? []
+        }
+        let sources = fetch("InvestmentSource")
+        flag("sources nil id", sources.filter { $0.value(forKey: "id") == nil }.count)
+        flag("sources nil createdAt", sources.filter { $0.value(forKey: "createdAt") == nil }.count)
+        let snaps = fetch("Snapshot")
+        flag("snapshots nil id", snaps.filter { $0.value(forKey: "id") == nil }.count)
+        flag("snapshots nil createdAt", snaps.filter { $0.value(forKey: "createdAt") == nil }.count)
+        flag("orphan snapshots (nil source)", snaps.filter { $0.value(forKey: "source") == nil }.count)
+        let goals = fetch("Goal")
+        flag("goals nil id", goals.filter { $0.value(forKey: "id") == nil }.count)
+        flag("goals nil createdAt", goals.filter { $0.value(forKey: "createdAt") == nil }.count)
+        return lines.joined(separator: "\n")
+    }
+
     func forceReload() {
         viewContext.perform { [weak self] in
             self?.viewContext.refreshAllObjects()
@@ -432,7 +854,14 @@ class CoreDataStack: ObservableObject {
 
     // MARK: - Widget Data Refresh
 
+    /// When true, `refreshWidgetData()` becomes a no-op. Set during batch operations
+    /// (e.g. CSV import of hundreds of snapshots) so we don't run a synchronous WAL
+    /// checkpoint + widget reload per row — that hammered the main thread into an ANR.
+    /// Call `refreshWidgetData()` once when the batch finishes.
+    var suppressWidgetRefresh = false
+
     func refreshWidgetData() {
+        if suppressWidgetRefresh { return }
         if #available(iOS 14.0, *) {
             if Self.appGroupEnabled {
                 checkpointWAL()

PortfolioJournal/Models/PortfolioInsight.swift

@@ -1,9 +1,47 @@
 import SwiftUI
 
+/// Tone / severity of an insight, used to pick an accent color and to
+/// prioritize which insights are surfaced first.
+enum InsightTone {
+    case positive
+    case neutral
+    case attention
+
+    /// Higher priority insights are shown first when capping the list.
+    var priority: Int {
+        switch self {
+        case .attention: return 2
+        case .positive: return 1
+        case .neutral: return 0
+        }
+    }
+}
+
 struct PortfolioInsight: Identifiable {
     let id: String
     let systemImage: String
     let title: String
     let value: String
     let accentColor: Color
+    /// Optional supporting line shown under the value in the richer card.
+    let detail: String?
+    let tone: InsightTone
+
+    init(
+        id: String,
+        systemImage: String,
+        title: String,
+        value: String,
+        accentColor: Color,
+        detail: String? = nil,
+        tone: InsightTone = .neutral
+    ) {
+        self.id = id
+        self.systemImage = systemImage
+        self.title = title
+        self.value = value
+        self.accentColor = accentColor
+        self.detail = detail
+        self.tone = tone
+    }
 }

PortfolioJournal/Repositories/AccountRepository.swift

@@ -96,9 +96,12 @@ class AccountRepository: ObservableObject {
             return existing
         }
 
-        // No accounts exist, create Default account
+        // No accounts exist, create Default account.
+        // Use a DETERMINISTIC id so every device creates the same CloudKit record
+        // instead of a per-device duplicate (root-cause fix for the dedup pile-up).
         let defaultCurrency = AppSettings.getOrCreate(in: context).currency
         let account = Account(context: context)
+        account.id = Account.defaultAccountStableID
         account.name = Account.defaultAccountName
         account.currency = defaultCurrency
         account.inputMode = InputMode.simple.rawValue

PortfolioJournal/Repositories/CategoryRepository.swift

@@ -109,6 +109,8 @@ class CategoryRepository: ObservableObject {
             }
 
             let category = Category(context: context)
+            // Deterministic id → same CloudKit record on every device (no duplicates).
+            category.id = Category.stableID(for: categoryData.name)
             category.name = categoryData.name
             category.colorHex = categoryData.colorHex
             category.icon = categoryData.icon

PortfolioJournal/Repositories/SnapshotRepository.swift

@@ -102,7 +102,8 @@ class SnapshotRepository: ObservableObject {
         date: Date = Date(),
         value: Decimal,
         contribution: Decimal? = nil,
-        notes: String? = nil
+        notes: String? = nil,
+        batch: Bool = false
     ) -> Snapshot {
         let snapshot = Snapshot(context: context)
         snapshot.source = source
@@ -113,10 +114,65 @@ class SnapshotRepository: ObservableObject {
         }
         snapshot.notes = notes
 
-        save()
+        // In batch mode (CSV import), skip the per-row save + widget refresh — the
+        // caller saves the whole context once at the end. Saving per row triggered a
+        // main-thread WAL checkpoint each time → ANR on large imports.
+        if !batch {
+            save()
+        }
         return snapshot
     }
 
+    // MARK: - Gap Auto-Fill (estimated snapshots)
+
+    /// Creates ESTIMATED snapshots for the missing months of an internal gap,
+    /// linearly interpolated between the source's value at `from` and at `to`.
+    /// They are marked `isEstimated` so they read as clearly distinct from real
+    /// data and can be removed in bulk. Idempotent (skips months that already have
+    /// a snapshot). Returns how many were created.
+    @discardableResult
+    func autoFillGap(source: InvestmentSource, from: Date, to: Date, missingMonthDates: [Date]) -> Int {
+        let snaps = source.snapshotsArray
+        func value(atMonth month: Date) -> Decimal? {
+            snaps.filter { $0.date.startOfMonth == month.startOfMonth }
+                 .max(by: { $0.date < $1.date })?.decimalValue
+        }
+        guard let v0 = value(atMonth: from),
+              let v1 = value(atMonth: to),
+              !missingMonthDates.isEmpty else { return 0 }
+
+        let steps = missingMonthDates.count + 1   // segments between v0 and v1
+        var created = 0
+        for (i, month) in missingMonthDates.enumerated() {
+            let monthStart = month.startOfMonth
+            if snaps.contains(where: { $0.date.startOfMonth == monthStart }) { continue }
+            let fraction = Decimal(i + 1) / Decimal(steps)
+            let interpolated = v0 + (v1 - v0) * fraction
+            let snapshot = Snapshot(context: context)
+            snapshot.source = source
+            snapshot.date = monthStart
+            snapshot.value = NSDecimalNumber(decimal: interpolated)
+            snapshot.isEstimated = true
+            snapshot.notes = String(localized: "gaps_estimated_note")
+            created += 1
+        }
+        if created > 0 { save() }
+        return created
+    }
+
+    /// Deletes all estimated (auto-filled) snapshots, optionally scoped to one
+    /// source. Returns how many were removed.
+    @discardableResult
+    func deleteEstimatedSnapshots(for source: InvestmentSource? = nil) -> Int {
+        let request = NSFetchRequest<Snapshot>(entityName: "Snapshot")
+        request.predicate = NSPredicate(format: "isEstimated == YES")
+        guard let estimated = try? context.fetch(request) else { return 0 }
+        let targets = source == nil ? estimated : estimated.filter { $0.source?.id == source?.id }
+        for snapshot in targets { context.delete(snapshot) }
+        if !targets.isEmpty { save() }
+        return targets.count
+    }
+
     // MARK: - Update
 
     func updateSnapshot(

PortfolioJournal/Resources/AppShortcuts.xcstrings

@@ -1,286 +1,350 @@
 {
-  "sourceLanguage": "en",
-  "strings": {
-    "Add a snapshot in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Füge einen Eintrag in ${applicationName} hinzu"
+  "sourceLanguage" : "en",
+  "strings" : {
+    "Add a snapshot in ${applicationName}" : {
+      "extractionState" : "stale",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Füge einen Eintrag in ${applicationName} hinzu"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Añade un registro en ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Añade un registro en ${applicationName}"
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Ajoute un relevé dans ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Ajoute un relevé dans ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Aggiungi una rilevazione in ${applicationName}"
+        "it" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Aggiungi una rilevazione in ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}でスナップショットを追加"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "${applicationName}でスナップショットを追加"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Adicione um registro no ${applicationName}"
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Adicione um registro no ${applicationName}"
           }
         }
       }
     },
-    "Check my portfolio in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Zeige mein Portfolio in ${applicationName}"
+    "Check my portfolio in ${applicationName}" : {
+      "extractionState" : "extracted_with_value",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Zeige mein Portfolio in ${applicationName}"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Consulta mi cartera en ${applicationName}"
+        "en" : {
+          "stringSet" : {
+            "state" : "new",
+            "values" : [
+              "Check my portfolio in ${applicationName}",
+              "Show my net worth in ${applicationName}"
+            ]
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Consulte mon portefeuille dans ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Consulta mi cartera en ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Controlla il mio portafoglio in ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Consulte mon portefeuille dans ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}でポートフォリオを確認"
+        "it" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Controlla il mio portafoglio in ${applicationName}"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Verifique minha carteira no ${applicationName}"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "${applicationName}でポートフォリオを確認"
+          }
+        },
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Verifique minha carteira no ${applicationName}"
           }
         }
       }
     },
-    "Log a value in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Erfasse einen Wert in ${applicationName}"
+    "Log a value in ${applicationName}" : {
+      "extractionState" : "extracted_with_value",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Erfasse einen Wert in ${applicationName}"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Registra un valor en ${applicationName}"
+        "en" : {
+          "stringSet" : {
+            "state" : "new",
+            "values" : [
+              "Log a value in ${applicationName}",
+              "Log my ${source} balance in ${applicationName}",
+              "Update ${source} in ${applicationName}"
+            ]
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Enregistre une valeur dans ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Registra un valor en ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Registra un valore in ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Enregistre une valeur dans ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}で金額を記録"
+        "it" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Registra un valore in ${applicationName}"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Registre um valor no ${applicationName}"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "${applicationName}で金額を記録"
+          }
+        },
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Registre um valor no ${applicationName}"
           }
         }
       }
     },
-    "Log my ${source} balance in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Erfasse den Saldo von ${source} in ${applicationName}"
+    "Log my ${source} balance in ${applicationName}" : {
+      "extractionState" : "stale",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Erfasse den Saldo von ${source} in ${applicationName}"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Registra el saldo de ${source} en ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Registra el saldo de ${source} en ${applicationName}"
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Enregistre le solde de ${source} dans ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Enregistre le solde de ${source} dans ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Registra il saldo di ${source} in ${applicationName}"
+        "it" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Registra il saldo di ${source} in ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}で${source}の残高を記録"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "${applicationName}で${source}の残高を記録"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Registre o saldo de ${source} no ${applicationName}"
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Registre o saldo de ${source} no ${applicationName}"
           }
         }
       }
     },
-    "Show my net worth in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Zeige mein Vermögen in ${applicationName}"
+    "Show my net worth in ${applicationName}" : {
+      "extractionState" : "stale",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Zeige mein Vermögen in ${applicationName}"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Muestra mi patrimonio en ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Muestra mi patrimonio en ${applicationName}"
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Affiche mon patrimoine dans ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Affiche mon patrimoine dans ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Mostra il mio patrimonio in ${applicationName}"
+        "it" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Mostra il mio patrimonio in ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}で純資産を表示"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "${applicationName}で純資産を表示"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Mostre meu patrimônio no ${applicationName}"
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Mostre meu patrimônio no ${applicationName}"
           }
         }
       }
     },
-    "Update ${source} in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Aktualisiere ${source} in ${applicationName}"
+    "Update ${source} in ${applicationName}" : {
+      "extractionState" : "stale",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Aktualisiere ${source} in ${applicationName}"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Actualiza ${source} en ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Actualiza ${source} en ${applicationName}"
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Mets à jour ${source} dans ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Mets à jour ${source} dans ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Aggiorna ${source} in ${applicationName}"
+        "it" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Aggiorna ${source} in ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}で${source}を更新"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "${applicationName}で${source}を更新"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Atualize ${source} no ${applicationName}"
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Atualize ${source} no ${applicationName}"
           }
         }
       }
     },
-    "Update my portfolio in ${applicationName}": {
-      "localizations": {
-        "de": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Aktualisiere mein Portfolio in ${applicationName}"
+    "What's my net worth in ${applicationName}" : {
+      "extractionState" : "extracted_with_value",
+      "localizations" : {
+        "en" : {
+          "stringSet" : {
+            "state" : "new",
+            "values" : [
+              "What's my net worth in ${applicationName}",
+              "How much is my portfolio worth in ${applicationName}",
+              "Get my net worth from ${applicationName}"
+            ]
+          }
+        }
+      }
+    },
+    "What's my streak in ${applicationName}" : {
+      "extractionState" : "extracted_with_value",
+      "localizations" : {
+        "en" : {
+          "stringSet" : {
+            "state" : "new",
+            "values" : [
+              "What's my streak in ${applicationName}",
+              "Check my check-in streak in ${applicationName}"
+            ]
+          }
+        }
+      }
+    },
+    "Update my portfolio in ${applicationName}" : {
+      "extractionState" : "extracted_with_value",
+      "localizations" : {
+        "de" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Aktualisiere mein Portfolio in ${applicationName}"
           }
         },
-        "es-ES": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Actualiza mi cartera en ${applicationName}"
+        "en" : {
+          "stringSet" : {
+            "state" : "new",
+            "values" : [
+              "Update my portfolio in ${applicationName}",
+              "Add a snapshot in ${applicationName}"
+            ]
           }
         },
-        "fr": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Mets à jour mon portefeuille dans ${applicationName}"
+        "es-ES" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Actualiza mi cartera en ${applicationName}"
           }
         },
-        "it": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Aggiorna il mio portafoglio in ${applicationName}"
+        "fr" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Mets à jour mon portefeuille dans ${applicationName}"
           }
         },
-        "ja": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "${applicationName}でポートフォリオを更新"
+        "it" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Aggiorna il mio portafoglio in ${applicationName}"
           }
         },
-        "pt-BR": {
-          "stringUnit": {
-            "state": "translated",
-            "value": "Atualize minha carteira no ${applicationName}"
+        "ja" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "${applicationName}でポートフォリオを更新"
+          }
+        },
+        "pt-BR" : {
+          "stringUnit" : {
+            "state" : "needs_review",
+            "value" : "Atualize minha carteira no ${applicationName}"
           }
         }
       }
     }
   },
-  "version": "1.0"
+  "version" : "1.0"
 }

PortfolioJournal/Resources/de.lproj/Localizable.strings

@@ -353,6 +353,18 @@
 "onboarding_quickstart_subtitle" = "Füge deine erste Investitionsquelle hinzu, um dein Portfolio zu verfolgen.";
 "onboarding_quickstart_title" = "Fast fertig";
 "reengagement_body" = "Ein paar Minuten reichen, um deine Investitionen im Blick zu behalten.";
+"reengagement_goal_title" = "Du bist auf Kurs 📈";
+"reengagement_goal_body" = "In diesem Tempo erreichst du \"%@\" bis %@. Sieh, wie nah du bist.";
+"reengagement_yoy_title" = "Sieh dir dieses Wachstum an 👀";
+"reengagement_yoy_body" = "Du liegst im letzten Jahr %@ im Plus. Sieh dir den Trend an.";
+"reengagement_month_title" = "Guter Monat 📈";
+"reengagement_month_body" = "Dein Portfolio ist diesen Monat um %@ gewachsen. Wirf einen Blick darauf.";
+"reengagement_milestone_title" = "Fast geschafft 🎯";
+"reengagement_milestone_body" = "Du bist fast bei %@. Wie nah bist du heute?";
+"reengagement_streak_title" = "Halte die Serie am Leben 🔥";
+"reengagement_streak_body" = "Du hast %d Monate in Folge erfasst. Hör jetzt nicht auf.";
+"reengagement_neutral_title" = "Gibt's was Neues? 👀";
+"reengagement_neutral_body" = "In deinem Portfolio hat sich etwas getan. Sieh, was sich geändert hat.";
 "reengagement_title" = "Dein Portfolio wartet";
 "snapshot_duplicate_add" = "Trotzdem hinzufügen";
 "snapshot_contribution_propagate_title" = "Beitrag anwenden";
@@ -412,6 +424,25 @@
 "insight_streak_title" = "Tracking-Serie";
 "insight_streak_value" = "%d Monate in Folge";
 "insight_forecast_title" = "Auf dem Weg zu";
+"insight_allocation_title" = "Allokationsabweichung";
+"insight_allocation_over_value" = "%1$@ liegt bei %2$.0f%% — über deinem Ziel von %3$.0f%%";
+"insight_allocation_under_value" = "%1$@ liegt bei %2$.0f%% — unter deinem Ziel von %3$.0f%%";
+"insight_allocation_detail" = "Zum Plan zurück ausbalancieren";
+"insight_concentration_title" = "Klumpenrisiko";
+"insight_concentration_value" = "%1$@ macht %2$.0f%% deines Portfolios aus";
+"insight_concentration_detail" = "Erwäge eine breitere Streuung";
+"insight_best_performer_title" = "Bester Wert";
+"insight_worst_performer_title" = "Braucht Aufmerksamkeit";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "Diversifikation";
+"insight_diversification_single_value" = "Alles in einer Quelle — erwäge eine weitere";
+"insight_diversification_good_value" = "Auf %d Kategorien verteilt";
+"goal_projection_projected" = "Prognose: %@";
+"goal_projection_add_contributions" = "Beiträge hinzufügen, um es zu erreichen";
+"goal_chip_ahead" = "Voraus";
+"goal_chip_on_track" = "Im Plan";
+"goal_chip_behind" = "Im Rückstand";
+"goal_chip_at_this_pace" = "In diesem Tempo…";
 "notification_milestone_title" = "Portfolio-Meilenstein! 🎉";
 "notification_milestone_body" = "Dein Portfolio hat gerade %@ überschritten. Herzlichen Glückwunsch!";
 
@@ -468,3 +499,181 @@
 "chart_share_scan" = "Zum Laden scannen";
 "chart_locked_title" = "%@ ist ein Premium-Diagramm";
 "chart_locked_cta" = "Premium freischalten";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "Check-in %@ erledigt";
+"checkin_done_next" = "Nächster: %@";
+"checkin_next_due" = "Nächster Check-in: %@";
+"checkin_days_left" = "noch %d Tage";
+"checkin_due_today" = "Heute fällig";
+"checkin_overdue" = "Überfällig";
+"dash_chart_yoy" = "Jahr für Jahr";
+"home_chart_locked_sub" = "Mit Premium freischalten, um dieses Diagramm zu sehen.";
+"checkin_sources_progress" = "%1$d von %2$d Quellen aktualisiert";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "Letzter Monat";
+"guided_paste_amount" = "%@ einfügen";
+"guided_next" = "Weiter";
+"guided_same_as_last" = "Wie letzten Monat";
+"guided_skip" = "Überspringen";
+"guided_reflection_title" = "Wie fühlt sich dieser Monat an?";
+"guided_reflection_subtitle" = "Eine kurze Notiz für dein zukünftiges Ich.";
+"guided_note_placeholder" = "Eine ehrliche Zeile zu diesem Monat…";
+"guided_finish" = "Check-in abschließen";
+"guided_done_title" = "Check-in %@ erledigt";
+"guided_streak" = "%d Monate in Folge";
+"guided_share_month" = "Diesen Monat teilen";
+"guided_done_cta" = "Fertig";
+"journal_no_note" = "Noch keine Notiz.";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "Version %@";
+"whats_new_150_redesign_title" = "Ein ruhigeres, klareres Design";
+"whats_new_150_redesign_body" = "Neu gestaltetes Home mit klarem Fokus, deinem Check-in im Mittelpunkt und weniger Ablenkung.";
+"whats_new_150_guided_title" = "Geführter Monats-Check-in";
+"whats_new_150_guided_body" = "Eine Quelle pro Schritt, Live-Deltas, kurze Reflexion — dein 5-Minuten-Ritual, neu gedacht.";
+"whats_new_150_rings_title" = "Ziel-Ringe & Journal-Timeline";
+"whats_new_150_rings_body" = "Fortschrittsringe im Fitness-Stil für Ziele und eine Stimmungs-Timeline für deine Investment-Geschichte.";
+"whats_new_142_ocr_title" = "Update per Screenshot";
+"whats_new_142_ocr_body" = "Teile einen Screenshot deiner Bank-App — der Saldo wird auf dem Gerät erkannt, nichts verlässt dein iPhone.";
+"whats_new_142_siri_title" = "Siri auf Deutsch";
+"whats_new_142_siri_body" = "\"Erfasse den Saldo von Indexa\" — Werte per Sprache oder Kurzbefehle erfassen, ohne die App zu öffnen.";
+"whats_new_142_charts_title" = "Diagramme, neu gebaut";
+"whats_new_142_charts_body" = "Native Seitenleiste auf dem iPad, passende KPIs pro Diagramm und Teilen als schönes Bild.";
+"whats_new_141_extension_title" = "Aktualisieren ohne App-Wechsel";
+"whats_new_141_extension_body" = "Teile einen Wert aus deiner Bank-App direkt in Portfolio Journal mit der neuen Erweiterung.";
+"whats_new_141_ipad_title" = "Besser auf dem iPad";
+"whats_new_141_ipad_body" = "Neu gestaltete Diagramme für den großen Bildschirm, mit Zoom und Wertbeschriftungen.";
+"whats_new_141_icloud_title" = "Mehr Sync";
+"whats_new_141_icloud_body" = "Monatliche Beiträge und Allokationsziele werden jetzt über iCloud synchronisiert.";
+"whats_new_title_format" = "Neu in %@";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "Alles in Sekunden aktualisieren";
+"tip_quick_update_body" = "Quick Update zeigt alle Quellen auf einem Bildschirm — Werte aus der Zwischenablage einfügen, fertig.";
+"tip_ocr_title" = "Oder teile einfach einen Screenshot";
+"tip_ocr_body" = "Aus deiner Bank-App: Screenshot → Teilen → Portfolio Journal. Der Saldo wird auf dem Gerät gelesen.";
+"tip_siri_title" = "Probier es nächstes Mal per Sprache";
+"tip_siri_body" = "Sag Siri \"Erfasse den Saldo meines Kontos in Portfolio Journal\" — ohne die App zu öffnen.";
+"tip_chart_share_title" = "Teile dieses Diagramm";
+"tip_chart_share_body" = "Erzeugt ein schönes Bild mit deinen Daten, bereit für X oder WhatsApp.";
+"allocation_total" = "Gesamt";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "iCloud hat einige Datensätze abgelehnt. Meist wird das iCloud-Schema noch eingerichtet — löst sich oft innerhalb weniger Stunden oder nach dem nächsten App-Update.";
+"icloud_hint_quota" = "Dein iCloud-Speicher ist voll. Gib Speicher frei und versuche es erneut.";
+"icloud_hint_network" = "iCloud nicht erreichbar. Prüfe deine Verbindung und versuche es erneut.";
+"icloud_hint_partial_generic" = "Einige Datensätze konnten diesmal nicht synchronisiert werden. Die App versucht es automatisch erneut.";
+"icloud_status_error" = "iCloud-Synchronisierungsproblem";
+"icloud_status_syncing" = "Synchronisierung mit iCloud";
+"icloud_show_details" = "Technische Details anzeigen";
+"yoy_vs_prev" = "vs %@";
+"yoy_best_year" = "Bestes Jahr";
+"yoy_worst_year" = "Schlechtestes Jahr";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "%@ einfügen";
+"quick_update_scan" = "Scannen";
+"quick_update_done_kbd" = "Fertig";
+"quick_update_scanning" = "Bild wird gelesen…";
+"quick_update_pick_amount" = "Welcher Betrag?";
+"quick_update_no_amount_found" = "Kein Betrag im Bild erkannt.";
+"icloud_copy_diagnostics" = "iCloud-Diagnose kopieren";
+"icloud_diagnostics_copied" = "Diagnose in Zwischenablage kopiert";
+
+"Smooth Gaps in Charts" = "Lücken in Diagrammen glätten";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "Für %d Monate fehlen Daten";
+"gaps_missing_count" = "%d fehlen";
+"gaps_range_between" = "Zwischen %@ und %@";
+"Fill in missing data" = "Fehlende Daten ergänzen";
+"Missing Data" = "Fehlende Daten";
+"Fill Gap" = "Lücke füllen";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "Das Diagramm schätzt diese Monate. Füge echte Werte hinzu, damit dein Verlauf genau bleibt.";
+"Dismiss" = "Ausblenden";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%d Mon.";
+"Monthly Summary" = "Monatsübersicht";
+"Portfolio Value" = "Portfoliowert";
+"Tracked with" = "Erfasst mit";
+"Share monthly summary" = "Monatsübersicht teilen";
+"since last check-in" = "seit dem letzten Check-in";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "Nichts Neues zu importieren. Deine Daten sind bereits aktuell.";
+"import_preview_sources" = "%d Quellen erstellen";
+"import_preview_snapshots_new" = "%d Einträge erstellen";
+"import_preview_snapshots_update" = "%d Einträge aktualisieren";
+"import_preview_categories" = "%d Kategorien erstellen";
+"import_preview_goals" = "%d Ziele erstellen";
+"import_preview_journal_new" = "%d Journaleinträge erstellen";
+"import_preview_journal_update" = "%d Journaleinträge aktualisieren";
+"Review Import" = "Import prüfen";
+"Reviewing import…" = "Import wird geprüft…";
+"Import" = "Importieren";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "Geschätzt";
+"gaps_autofill_cta" = "%d Monate automatisch füllen";
+"Add manually" = "Manuell hinzufügen";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "Das automatische Füllen schätzt die fehlenden Monate zwischen zwei Snapshots (als geschätzt markiert). Oder trage die echten Werte selbst ein.";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "Automatisches Backup";
+"Off" = "Aus";
+"Daily" = "Täglich";
+"Weekly" = "Wöchentlich";
+"Monthly" = "Monatlich";
+"Last auto backup" = "Letztes Auto-Backup";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "Guthaben ausblenden";
+"Show balances" = "Guthaben anzeigen";
+"Balance hidden" = "Guthaben ausgeblendet";
+"Reveal your balances" = "Guthaben anzeigen";
+"Privacy" = "Datenschutz";
+"Hide Balances" = "Guthaben ausblenden";
+"Require Face ID to Reveal" = "Face ID zum Anzeigen erforderlich";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "Blendet alle Beträge hinter einer Unschärfe aus. Ideal für die App in der Öffentlichkeit oder für Screenshots. Optional Face ID zum Anzeigen erforderlich.";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "Du hast noch keinen Portfoliowert erfasst.";
+"intent_networth_dialog" = "Dein Vermögen beträgt %@.";
+"intent_streak" = "Du hast eine Serie von %d Monaten.";
+"intent_streak_with_date" = "Du hast eine Serie von %d Monaten. Dein letzter Check-in war am %@.";
+"intent_streak_none" = "Du hast noch keine aktive Serie. Erfasse einen Wert, um zu starten.";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "Benutzerdefinierter Zeitraum";
+"chart_range_from" = "Von";
+"chart_range_to" = "Bis";
+"chart_filtered_prefix" = "Gefiltert: %@";
+"chart_overlay_contributions" = "vs. Einzahlungen";
+"chart_insight_best_month" = "Bester Monat im Zeitraum: %1$@ (%2$@)";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "Teile deinen Fortschritt";
+"share_percent_only" = "Nur Prozente";
+"share_format_post" = "Post";
+"share_format_story" = "Story";
+"share_card_cta" = "Teilen";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "Gesamtrendite";
+"share_metric_yoy" = "Dieses Jahr";
+"share_metric_since_inception" = "Seit Beginn";
+"share_cta_headline" = "Verfolge deine — kostenlos";
+"share_cta_sub" = "Scannen für Portfolio Journal";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "Stand %@";
+"share_theme_dark" = "Dunkel";
+"share_theme_light" = "Hell";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "Heutiger Wert";
+"add_source_value_footer" = "Wird als dein erster Check-in gespeichert – dein Fortschritt beginnt heute.";
+"quick_update_add_first_source" = "Erste Quelle hinzufügen";

PortfolioJournal/Resources/en.lproj/Localizable.strings

@@ -284,6 +284,18 @@
 // MARK: - Re-engagement & Monthly Notifications (1.2.1)
 "reengagement_title" = "Your portfolio is waiting";
 "reengagement_body" = "A few minutes is all it takes to stay on top of your investments.";
+"reengagement_goal_title" = "You're on track 📈";
+"reengagement_goal_body" = "At this pace you'll reach \"%@\" by %@. See how close you are.";
+"reengagement_yoy_title" = "Look at that growth 👀";
+"reengagement_yoy_body" = "You're up %@ over the last year. Check the trend.";
+"reengagement_month_title" = "Nice month 📈";
+"reengagement_month_body" = "Your portfolio grew %@ this month. Take a look.";
+"reengagement_milestone_title" = "So close 🎯";
+"reengagement_milestone_body" = "You're almost at %@. How close are you today?";
+"reengagement_streak_title" = "Keep the streak alive 🔥";
+"reengagement_streak_body" = "You've logged %d months in a row. Don't stop now.";
+"reengagement_neutral_title" = "Anything new? 👀";
+"reengagement_neutral_body" = "There's been movement in your portfolio. See what changed.";
 "monthly_checkin_notification_title" = "Time for your monthly update";
 "monthly_checkin_notification_body" = "Log this month's values and track your portfolio growth.";
 
@@ -420,6 +432,25 @@
 "insight_streak_title" = "Tracking streak";
 "insight_streak_value" = "%d months in a row";
 "insight_forecast_title" = "On track for";
+"insight_allocation_title" = "Allocation drift";
+"insight_allocation_over_value" = "%1$@ is %2$.0f%% — above your %3$.0f%% target";
+"insight_allocation_under_value" = "%1$@ is %2$.0f%% — below your %3$.0f%% target";
+"insight_allocation_detail" = "Rebalance to stay on plan";
+"insight_concentration_title" = "Concentration risk";
+"insight_concentration_value" = "%1$@ is %2$.0f%% of your portfolio";
+"insight_concentration_detail" = "Consider spreading it out";
+"insight_best_performer_title" = "Best performer";
+"insight_worst_performer_title" = "Needs attention";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "Diversification";
+"insight_diversification_single_value" = "All in one source — consider adding another";
+"insight_diversification_good_value" = "Spread across %d categories";
+"goal_projection_projected" = "Projected: %@";
+"goal_projection_add_contributions" = "Add contributions to reach this";
+"goal_chip_ahead" = "Ahead of schedule";
+"goal_chip_on_track" = "On track";
+"goal_chip_behind" = "Behind";
+"goal_chip_at_this_pace" = "At this pace…";
 "notification_milestone_title" = "Portfolio Milestone! 🎉";
 "notification_milestone_body" = "Your portfolio just passed %@. Congrats!";
 
@@ -469,3 +500,181 @@
 "chart_share_scan" = "Scan to download";
 "chart_locked_title" = "%@ is a Premium chart";
 "chart_locked_cta" = "Unlock Premium";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "%@ check-in done";
+"checkin_done_next" = "Next one: %@";
+"checkin_next_due" = "Next check-in: %@";
+"checkin_days_left" = "%d days left";
+"checkin_due_today" = "Due today";
+"checkin_overdue" = "Overdue";
+"dash_chart_yoy" = "Year vs Year";
+"home_chart_locked_sub" = "Unlock with Premium to explore this chart.";
+"checkin_sources_progress" = "%1$d of %2$d sources updated";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "Last month";
+"guided_paste_amount" = "Paste %@";
+"guided_next" = "Next";
+"guided_same_as_last" = "Same as last month";
+"guided_skip" = "Skip";
+"guided_reflection_title" = "How does this month feel?";
+"guided_reflection_subtitle" = "A quick note for your future self.";
+"guided_note_placeholder" = "One honest line about this month…";
+"guided_finish" = "Finish check-in";
+"guided_done_title" = "%@ check-in done";
+"guided_streak" = "%d months in a row";
+"guided_share_month" = "Share this month";
+"guided_done_cta" = "Done";
+"journal_no_note" = "No note yet.";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "Version %@";
+"whats_new_150_redesign_title" = "A calmer, cleaner look";
+"whats_new_150_redesign_body" = "Redesigned Home with a clear hero, your check-in front and center, and less noise everywhere.";
+"whats_new_150_guided_title" = "Guided monthly check-in";
+"whats_new_150_guided_body" = "One source per step, live deltas, a quick reflection — your 5-minute ritual, reimagined.";
+"whats_new_150_rings_title" = "Goal rings & journal timeline";
+"whats_new_150_rings_body" = "Fitness-style progress rings for goals and a mood timeline for your investing story.";
+"whats_new_142_ocr_title" = "Update from a screenshot";
+"whats_new_142_ocr_body" = "Share a screenshot of your bank app — the balance is recognized on-device, nothing leaves your phone.";
+"whats_new_142_siri_title" = "Siri in your language";
+"whats_new_142_siri_body" = "\"Log my Indexa balance\" — record values by voice or from Shortcuts, no app needed.";
+"whats_new_142_charts_title" = "Charts, rebuilt";
+"whats_new_142_charts_body" = "Native sidebar on iPad, smart KPIs per chart, and a share button with beautiful branded images.";
+"whats_new_141_extension_title" = "Update without switching apps";
+"whats_new_141_extension_body" = "Share a value from your bank app straight into Portfolio Journal with the new share extension.";
+"whats_new_141_ipad_title" = "Better on iPad";
+"whats_new_141_ipad_body" = "Redesigned charts for the big screen, with pinch-to-zoom and value labels.";
+"whats_new_141_icloud_title" = "More in sync";
+"whats_new_141_icloud_body" = "Monthly contributions and allocation targets now sync across your devices via iCloud.";
+"whats_new_title_format" = "What's New in %@";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "Update everything in seconds";
+"tip_quick_update_body" = "Quick Update lists all your sources in one screen — paste values from your clipboard and go.";
+"tip_ocr_title" = "Or just share a screenshot";
+"tip_ocr_body" = "From your bank app: screenshot → Share → Portfolio Journal. The balance is read on-device.";
+"tip_siri_title" = "Next time, try your voice";
+"tip_siri_body" = "Say \"Log my account balance in Portfolio Journal\" to Siri — no need to open the app.";
+"tip_chart_share_title" = "Share this chart";
+"tip_chart_share_body" = "Renders a beautiful image with your data, ready for X or WhatsApp.";
+"allocation_total" = "Total";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "Some records were rejected by iCloud. This usually means the app's iCloud schema hasn't finished setting up — it often resolves within a few hours of first use, or after the next app update.";
+"icloud_hint_quota" = "Your iCloud storage is full. Free up space in iCloud settings and try again.";
+"icloud_hint_network" = "Couldn't reach iCloud. Check your connection and try again.";
+"icloud_hint_partial_generic" = "Some records couldn't sync this time. The app will retry automatically.";
+"icloud_status_error" = "iCloud sync problem";
+"icloud_status_syncing" = "Syncing with iCloud";
+"icloud_show_details" = "Show technical details";
+"yoy_vs_prev" = "vs %@";
+"yoy_best_year" = "Best year";
+"yoy_worst_year" = "Worst year";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "Paste %@";
+"quick_update_scan" = "Scan";
+"quick_update_done_kbd" = "Done";
+"quick_update_scanning" = "Reading image…";
+"quick_update_pick_amount" = "Which amount?";
+"quick_update_no_amount_found" = "No amount recognized in that image.";
+"icloud_copy_diagnostics" = "Copy iCloud diagnostics";
+"icloud_diagnostics_copied" = "Diagnostics copied to clipboard";
+
+"Smooth Gaps in Charts" = "Smooth Gaps in Charts";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "%d months are missing data";
+"gaps_missing_count" = "%d missing";
+"gaps_range_between" = "Between %@ and %@";
+"Fill in missing data" = "Fill in missing data";
+"Missing Data" = "Missing Data";
+"Fill Gap" = "Fill Gap";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "The chart estimates these months. Add real snapshots to keep your history accurate.";
+"Dismiss" = "Dismiss";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%d mo";
+"Monthly Summary" = "Monthly Summary";
+"Portfolio Value" = "Portfolio Value";
+"Tracked with" = "Tracked with";
+"Share monthly summary" = "Share monthly summary";
+"since last check-in" = "since last check-in";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "Nothing new to import. Your data is already up to date.";
+"import_preview_sources" = "Create %d sources";
+"import_preview_snapshots_new" = "Create %d snapshots";
+"import_preview_snapshots_update" = "Update %d snapshots";
+"import_preview_categories" = "Create %d categories";
+"import_preview_goals" = "Create %d goals";
+"import_preview_journal_new" = "Create %d journal entries";
+"import_preview_journal_update" = "Update %d journal entries";
+"Review Import" = "Review Import";
+"Reviewing import…" = "Reviewing import…";
+"Import" = "Import";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "Estimated";
+"gaps_autofill_cta" = "Auto-fill %d months";
+"Add manually" = "Add manually";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself.";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "Auto Backup";
+"Off" = "Off";
+"Daily" = "Daily";
+"Weekly" = "Weekly";
+"Monthly" = "Monthly";
+"Last auto backup" = "Last auto backup";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "Hide balances";
+"Show balances" = "Show balances";
+"Balance hidden" = "Balance hidden";
+"Reveal your balances" = "Reveal your balances";
+"Privacy" = "Privacy";
+"Hide Balances" = "Hide Balances";
+"Require Face ID to Reveal" = "Require Face ID to Reveal";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them.";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "You don't have any portfolio value recorded yet.";
+"intent_networth_dialog" = "Your net worth is %@.";
+"intent_streak" = "You're on a %d-month streak.";
+"intent_streak_with_date" = "You're on a %d-month streak. Your last check-in was %@.";
+"intent_streak_none" = "You don't have an active streak yet. Log a value to start one.";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "Custom range";
+"chart_range_from" = "From";
+"chart_range_to" = "To";
+"chart_filtered_prefix" = "Filtered: %@";
+"chart_overlay_contributions" = "vs Contributions";
+"chart_insight_best_month" = "Best month in range: %1$@ (%2$@)";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "Share your progress";
+"share_percent_only" = "Only percentages";
+"share_format_post" = "Post";
+"share_format_story" = "Story";
+"share_card_cta" = "Share";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "Total return";
+"share_metric_yoy" = "This year";
+"share_metric_since_inception" = "Since inception";
+"share_cta_headline" = "Track yours — free";
+"share_cta_sub" = "Scan to get Portfolio Journal";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "As of %@";
+"share_theme_dark" = "Dark";
+"share_theme_light" = "Light";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "Today's Value";
+"add_source_value_footer" = "Saved as your first check-in — your progress starts today.";
+"quick_update_add_first_source" = "Add Your First Source";

PortfolioJournal/Resources/es-ES.lproj/Localizable.strings

@@ -213,6 +213,18 @@
 // MARK: - Re-engagement & Monthly Notifications (1.2.1)
 "reengagement_title" = "Tu portfolio te espera";
 "reengagement_body" = "Unos minutos son suficientes para mantener el control de tus inversiones.";
+"reengagement_goal_title" = "Vas por buen camino 📈";
+"reengagement_goal_body" = "A este ritmo alcanzarás \"%@\" en %@. Mira lo cerca que estás.";
+"reengagement_yoy_title" = "Menudo crecimiento 👀";
+"reengagement_yoy_body" = "Llevas un %@ en el último año. Mira la tendencia.";
+"reengagement_month_title" = "Buen mes 📈";
+"reengagement_month_body" = "Tu cartera creció %@ este mes. Échale un ojo.";
+"reengagement_milestone_title" = "Muy cerca 🎯";
+"reengagement_milestone_body" = "Estás a punto de llegar a %@. ¿Cuánto te falta hoy?";
+"reengagement_streak_title" = "No pierdas la racha 🔥";
+"reengagement_streak_body" = "Llevas %d meses seguidos registrando. No pares ahora.";
+"reengagement_neutral_title" = "¿Algo nuevo? 👀";
+"reengagement_neutral_body" = "Ha habido movimiento en tu cartera. Mira qué ha cambiado.";
 "monthly_checkin_notification_title" = "Ya puedes actualizar tu portfolio";
 "monthly_checkin_notification_body" = "Registra los valores de este mes y sigue la evolución de tu cartera.";
 
@@ -364,6 +376,25 @@
 "insight_streak_title" = "Racha de seguimiento";
 "insight_streak_value" = "%d meses consecutivos";
 "insight_forecast_title" = "En camino hacia";
+"insight_allocation_title" = "Desvío de asignación";
+"insight_allocation_over_value" = "%1$@ está al %2$.0f%% — por encima de tu objetivo del %3$.0f%%";
+"insight_allocation_under_value" = "%1$@ está al %2$.0f%% — por debajo de tu objetivo del %3$.0f%%";
+"insight_allocation_detail" = "Reequilibra para seguir tu plan";
+"insight_concentration_title" = "Riesgo de concentración";
+"insight_concentration_value" = "%1$@ es el %2$.0f%% de tu cartera";
+"insight_concentration_detail" = "Plantéate diversificar";
+"insight_best_performer_title" = "Mejor rendimiento";
+"insight_worst_performer_title" = "Requiere atención";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "Diversificación";
+"insight_diversification_single_value" = "Todo en una fuente — considera añadir otra";
+"insight_diversification_good_value" = "Repartido en %d categorías";
+"goal_projection_projected" = "Previsión: %@";
+"goal_projection_add_contributions" = "Añade aportaciones para alcanzarlo";
+"goal_chip_ahead" = "Por delante";
+"goal_chip_on_track" = "En camino";
+"goal_chip_behind" = "Con retraso";
+"goal_chip_at_this_pace" = "A este ritmo…";
 "notification_milestone_title" = "¡Hito de cartera! 🎉";
 "notification_milestone_body" = "Tu cartera acaba de superar %@. ¡Enhorabuena!";
 
@@ -420,3 +451,181 @@
 "chart_share_scan" = "Escanea para descargar";
 "chart_locked_title" = "%@ es una gráfica Premium";
 "chart_locked_cta" = "Desbloquear Premium";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "Check-in de %@ completado";
+"checkin_done_next" = "Próximo: %@";
+"checkin_next_due" = "Próximo check-in: %@";
+"checkin_days_left" = "faltan %d días";
+"checkin_due_today" = "Hoy";
+"checkin_overdue" = "Atrasado";
+"dash_chart_yoy" = "Año vs Año";
+"home_chart_locked_sub" = "Desbloquéalo con Premium para ver este gráfico.";
+"checkin_sources_progress" = "%1$d de %2$d fuentes actualizadas";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "Mes anterior";
+"guided_paste_amount" = "Pegar %@";
+"guided_next" = "Siguiente";
+"guided_same_as_last" = "Igual que el mes pasado";
+"guided_skip" = "Omitir";
+"guided_reflection_title" = "¿Cómo sientes este mes?";
+"guided_reflection_subtitle" = "Una nota rápida para tu yo del futuro.";
+"guided_note_placeholder" = "Una línea honesta sobre este mes…";
+"guided_finish" = "Terminar check-in";
+"guided_done_title" = "Check-in de %@ completado";
+"guided_streak" = "%d meses seguidos";
+"guided_share_month" = "Compartir este mes";
+"guided_done_cta" = "Hecho";
+"journal_no_note" = "Sin nota todavía.";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "Versión %@";
+"whats_new_150_redesign_title" = "Un look más limpio y tranquilo";
+"whats_new_150_redesign_body" = "Home rediseñado con tu valor total protagonista, el check-in en el centro y menos ruido en todas partes.";
+"whats_new_150_guided_title" = "Check-in mensual guiado";
+"whats_new_150_guided_body" = "Una fuente por paso, deltas en vivo y una reflexión rápida — tu ritual de 5 minutos, reimaginado.";
+"whats_new_150_rings_title" = "Anillos de metas y timeline";
+"whats_new_150_rings_body" = "Anillos de progreso estilo Fitness para tus metas y un timeline con tu historia como inversor.";
+"whats_new_142_ocr_title" = "Actualiza desde un pantallazo";
+"whats_new_142_ocr_body" = "Comparte una captura de tu banco — el saldo se reconoce en el dispositivo, nada sale de tu iPhone.";
+"whats_new_142_siri_title" = "Siri en tu idioma";
+"whats_new_142_siri_body" = "\"Registra el saldo de Indexa\" — apunta valores por voz o desde Atajos, sin abrir la app.";
+"whats_new_142_charts_title" = "Gráficas renovadas";
+"whats_new_142_charts_body" = "Sidebar nativa en iPad, KPIs inteligentes por gráfica y botón de compartir con imágenes con estilo.";
+"whats_new_141_extension_title" = "Actualiza sin cambiar de app";
+"whats_new_141_extension_body" = "Comparte un valor desde la app de tu banco directo a Portfolio Journal con la nueva extensión.";
+"whats_new_141_ipad_title" = "Mejor en iPad";
+"whats_new_141_ipad_body" = "Gráficas rediseñadas para pantalla grande, con zoom y etiquetas de valor.";
+"whats_new_141_icloud_title" = "Más sincronizado";
+"whats_new_141_icloud_body" = "Las aportaciones mensuales y los objetivos de asignación ahora se sincronizan vía iCloud.";
+"whats_new_title_format" = "Novedades de la %@";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "Actualiza todo en segundos";
+"tip_quick_update_body" = "Quick Update lista todas tus fuentes en una pantalla — pega valores del portapapeles y listo.";
+"tip_ocr_title" = "O comparte un pantallazo";
+"tip_ocr_body" = "Desde tu app del banco: captura → Compartir → Portfolio Journal. El saldo se lee en el dispositivo.";
+"tip_siri_title" = "La próxima vez, prueba con la voz";
+"tip_siri_body" = "Dile a Siri \"Registra el saldo de mi cuenta en Portfolio Journal\" — sin abrir la app.";
+"tip_chart_share_title" = "Comparte esta gráfica";
+"tip_chart_share_body" = "Genera una imagen bonita con tus datos, lista para X o WhatsApp.";
+"allocation_total" = "Total";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "iCloud rechazó algunos registros. Suele significar que el esquema de iCloud aún se está configurando — normalmente se resuelve en unas horas de uso, o tras la próxima actualización de la app.";
+"icloud_hint_quota" = "Tu almacenamiento de iCloud está lleno. Libera espacio en ajustes de iCloud e inténtalo de nuevo.";
+"icloud_hint_network" = "No se pudo conectar con iCloud. Revisa tu conexión e inténtalo de nuevo.";
+"icloud_hint_partial_generic" = "Algunos registros no se sincronizaron esta vez. La app lo reintentará automáticamente.";
+"icloud_status_error" = "Problema de sincronización con iCloud";
+"icloud_status_syncing" = "Sincronizando con iCloud";
+"icloud_show_details" = "Ver detalles técnicos";
+"yoy_vs_prev" = "vs %@";
+"yoy_best_year" = "Mejor año";
+"yoy_worst_year" = "Peor año";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "Pegar %@";
+"quick_update_scan" = "Escanear";
+"quick_update_done_kbd" = "Listo";
+"quick_update_scanning" = "Leyendo imagen…";
+"quick_update_pick_amount" = "¿Qué importe?";
+"quick_update_no_amount_found" = "No se reconoció ningún importe en esa imagen.";
+"icloud_copy_diagnostics" = "Copiar diagnóstico de iCloud";
+"icloud_diagnostics_copied" = "Diagnóstico copiado al portapapeles";
+
+"Smooth Gaps in Charts" = "Suavizar huecos en gráficas";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "Faltan datos de %d meses";
+"gaps_missing_count" = "%d sin datos";
+"gaps_range_between" = "Entre %@ y %@";
+"Fill in missing data" = "Completa los datos que faltan";
+"Missing Data" = "Datos faltantes";
+"Fill Gap" = "Rellenar hueco";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "La gráfica estima estos meses. Añade valores reales para mantener tu historial preciso.";
+"Dismiss" = "Descartar";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%d m";
+"Monthly Summary" = "Resumen mensual";
+"Portfolio Value" = "Valor de la cartera";
+"Tracked with" = "Registrado con";
+"Share monthly summary" = "Compartir resumen mensual";
+"since last check-in" = "desde el último chequeo";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "No hay nada nuevo que importar. Tus datos ya están actualizados.";
+"import_preview_sources" = "Crear %d fuentes";
+"import_preview_snapshots_new" = "Crear %d registros";
+"import_preview_snapshots_update" = "Actualizar %d registros";
+"import_preview_categories" = "Crear %d categorías";
+"import_preview_goals" = "Crear %d objetivos";
+"import_preview_journal_new" = "Crear %d entradas del diario";
+"import_preview_journal_update" = "Actualizar %d entradas del diario";
+"Review Import" = "Revisar importación";
+"Reviewing import…" = "Revisando importación…";
+"Import" = "Importar";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "Estimado";
+"gaps_autofill_cta" = "Autocompletar %d meses";
+"Add manually" = "Añadir manualmente";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "El autocompletado estima los meses que faltan entre dos snapshots (marcados como estimados). O añade los valores reales tú mismo.";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "Copia automática";
+"Off" = "Desactivado";
+"Daily" = "Diario";
+"Weekly" = "Semanal";
+"Monthly" = "Mensual";
+"Last auto backup" = "Última copia automática";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "Ocultar saldos";
+"Show balances" = "Mostrar saldos";
+"Balance hidden" = "Saldo oculto";
+"Reveal your balances" = "Mostrar tus saldos";
+"Privacy" = "Privacidad";
+"Hide Balances" = "Ocultar saldos";
+"Require Face ID to Reveal" = "Requerir Face ID para mostrar";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "Oculta todas las cifras tras un difuminado. Ideal para usar la app en público o hacer capturas. Opcionalmente, requiere Face ID para mostrarlas.";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "Aún no tienes ningún valor de cartera registrado.";
+"intent_networth_dialog" = "Tu patrimonio es %@.";
+"intent_streak" = "Llevas una racha de %d meses.";
+"intent_streak_with_date" = "Llevas una racha de %d meses. Tu último check-in fue el %@.";
+"intent_streak_none" = "Aún no tienes una racha activa. Registra un valor para empezar una.";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "Rango personalizado";
+"chart_range_from" = "Desde";
+"chart_range_to" = "Hasta";
+"chart_filtered_prefix" = "Filtrado: %@";
+"chart_overlay_contributions" = "vs Aportaciones";
+"chart_insight_best_month" = "Mejor mes del rango: %1$@ (%2$@)";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "Comparte tu progreso";
+"share_percent_only" = "Solo porcentajes";
+"share_format_post" = "Post";
+"share_format_story" = "Historia";
+"share_card_cta" = "Compartir";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "Rentabilidad total";
+"share_metric_yoy" = "Este año";
+"share_metric_since_inception" = "Desde el inicio";
+"share_cta_headline" = "Controla la tuya — gratis";
+"share_cta_sub" = "Escanea para descargar Portfolio Journal";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "A %@";
+"share_theme_dark" = "Oscuro";
+"share_theme_light" = "Claro";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "Valor de hoy";
+"add_source_value_footer" = "Se guarda como tu primer check-in: tu progreso empieza hoy.";
+"quick_update_add_first_source" = "Añade tu primera fuente";

PortfolioJournal/Resources/fr.lproj/Localizable.strings

@@ -353,6 +353,18 @@
 "onboarding_quickstart_subtitle" = "Ajoutez votre première source d'investissement pour commencer à suivre votre portefeuille.";
 "onboarding_quickstart_title" = "Presque prêt";
 "reengagement_body" = "Quelques minutes suffisent pour rester au top de vos investissements.";
+"reengagement_goal_title" = "Vous êtes sur la bonne voie 📈";
+"reengagement_goal_body" = "À ce rythme, vous atteindrez \"%@\" d'ici %@. Voyez où vous en êtes.";
+"reengagement_yoy_title" = "Regardez cette progression 👀";
+"reengagement_yoy_body" = "Vous êtes en hausse de %@ sur un an. Consultez la tendance.";
+"reengagement_month_title" = "Beau mois 📈";
+"reengagement_month_body" = "Votre portefeuille a gagné %@ ce mois-ci. Jetez-y un œil.";
+"reengagement_milestone_title" = "Si près 🎯";
+"reengagement_milestone_body" = "Vous approchez de %@. À combien êtes-vous aujourd'hui ?";
+"reengagement_streak_title" = "Gardez votre série 🔥";
+"reengagement_streak_body" = "Vous avez enregistré %d mois d'affilée. Ne vous arrêtez pas.";
+"reengagement_neutral_title" = "Du nouveau ? 👀";
+"reengagement_neutral_body" = "Il y a eu du mouvement dans votre portefeuille. Voyez ce qui a changé.";
 "reengagement_title" = "Votre portefeuille vous attend";
 "snapshot_duplicate_add" = "Ajouter quand même";
 "snapshot_contribution_propagate_title" = "Appliquer la contribution";
@@ -412,6 +424,25 @@
 "insight_streak_title" = "Série de suivi";
 "insight_streak_value" = "%d mois consécutifs";
 "insight_forecast_title" = "En bonne voie pour";
+"insight_allocation_title" = "Écart d'allocation";
+"insight_allocation_over_value" = "%1$@ est à %2$.0f%% — au-dessus de votre cible de %3$.0f%%";
+"insight_allocation_under_value" = "%1$@ est à %2$.0f%% — en dessous de votre cible de %3$.0f%%";
+"insight_allocation_detail" = "Rééquilibrez pour rester dans le plan";
+"insight_concentration_title" = "Risque de concentration";
+"insight_concentration_value" = "%1$@ représente %2$.0f%% de votre portefeuille";
+"insight_concentration_detail" = "Envisagez de mieux répartir";
+"insight_best_performer_title" = "Meilleure performance";
+"insight_worst_performer_title" = "À surveiller";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "Diversification";
+"insight_diversification_single_value" = "Tout sur une seule source — pensez à en ajouter";
+"insight_diversification_good_value" = "Réparti sur %d catégories";
+"goal_projection_projected" = "Prévu : %@";
+"goal_projection_add_contributions" = "Ajoutez des versements pour l'atteindre";
+"goal_chip_ahead" = "En avance";
+"goal_chip_on_track" = "Dans les temps";
+"goal_chip_behind" = "En retard";
+"goal_chip_at_this_pace" = "À ce rythme…";
 "notification_milestone_title" = "Jalon de portefeuille ! 🎉";
 "notification_milestone_body" = "Votre portefeuille vient de dépasser %@. Félicitations !";
 
@@ -468,3 +499,181 @@
 "chart_share_scan" = "Scannez pour télécharger";
 "chart_locked_title" = "%@ est un graphique Premium";
 "chart_locked_cta" = "Débloquer Premium";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "Check-in de %@ terminé";
+"checkin_done_next" = "Prochain : %@";
+"checkin_next_due" = "Prochain point : %@";
+"checkin_days_left" = "%d jours restants";
+"checkin_due_today" = "Aujourd'hui";
+"checkin_overdue" = "En retard";
+"dash_chart_yoy" = "Année vs Année";
+"home_chart_locked_sub" = "Débloquez avec Premium pour voir ce graphique.";
+"checkin_sources_progress" = "%1$d sur %2$d sources mises à jour";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "Mois dernier";
+"guided_paste_amount" = "Coller %@";
+"guided_next" = "Suivant";
+"guided_same_as_last" = "Comme le mois dernier";
+"guided_skip" = "Passer";
+"guided_reflection_title" = "Comment se sent ce mois-ci ?";
+"guided_reflection_subtitle" = "Une note rapide pour votre futur vous.";
+"guided_note_placeholder" = "Une ligne honnête sur ce mois…";
+"guided_finish" = "Terminer le check-in";
+"guided_done_title" = "Check-in de %@ terminé";
+"guided_streak" = "%d mois d'affilée";
+"guided_share_month" = "Partager ce mois";
+"guided_done_cta" = "Terminé";
+"journal_no_note" = "Pas encore de note.";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "Version %@";
+"whats_new_150_redesign_title" = "Un design plus calme et épuré";
+"whats_new_150_redesign_body" = "Accueil repensé avec votre valeur totale en vedette, le check-in au centre et moins de bruit partout.";
+"whats_new_150_guided_title" = "Check-in mensuel guidé";
+"whats_new_150_guided_body" = "Une source par étape, des deltas en direct, une réflexion rapide — votre rituel de 5 minutes, réinventé.";
+"whats_new_150_rings_title" = "Anneaux d'objectifs & timeline";
+"whats_new_150_rings_body" = "Des anneaux de progression style Fitness pour vos objectifs et une timeline de votre parcours d'investisseur.";
+"whats_new_142_ocr_title" = "Mise à jour par capture d'écran";
+"whats_new_142_ocr_body" = "Partagez une capture de votre banque — le solde est reconnu sur l'appareil, rien ne quitte votre iPhone.";
+"whats_new_142_siri_title" = "Siri dans votre langue";
+"whats_new_142_siri_body" = "« Enregistre le solde de Indexa » — notez des valeurs à la voix ou depuis Raccourcis, sans ouvrir l'app.";
+"whats_new_142_charts_title" = "Graphiques repensés";
+"whats_new_142_charts_body" = "Barre latérale native sur iPad, KPIs adaptés à chaque graphique et partage en belles images.";
+"whats_new_141_extension_title" = "Mettre à jour sans changer d'app";
+"whats_new_141_extension_body" = "Partagez une valeur depuis votre app bancaire directement vers Portfolio Journal avec la nouvelle extension.";
+"whats_new_141_ipad_title" = "Meilleur sur iPad";
+"whats_new_141_ipad_body" = "Graphiques repensés pour le grand écran, avec zoom et étiquettes de valeur.";
+"whats_new_141_icloud_title" = "Plus synchronisé";
+"whats_new_141_icloud_body" = "Les contributions mensuelles et les objectifs d'allocation se synchronisent désormais via iCloud.";
+"whats_new_title_format" = "Nouveautés de la %@";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "Tout mettre à jour en quelques secondes";
+"tip_quick_update_body" = "Quick Update liste toutes vos sources sur un écran — collez les valeurs du presse-papiers et c'est fait.";
+"tip_ocr_title" = "Ou partagez une capture d'écran";
+"tip_ocr_body" = "Depuis votre app bancaire : capture → Partager → Portfolio Journal. Le solde est lu sur l'appareil.";
+"tip_siri_title" = "La prochaine fois, essayez la voix";
+"tip_siri_body" = "Dites à Siri « Enregistre le solde de mon compte dans Portfolio Journal » — sans ouvrir l'app.";
+"tip_chart_share_title" = "Partagez ce graphique";
+"tip_chart_share_body" = "Génère une belle image avec vos données, prête pour X ou WhatsApp.";
+"allocation_total" = "Total";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "iCloud a refusé certains enregistrements. Cela signifie souvent que le schéma iCloud est encore en cours de configuration — se résout généralement en quelques heures ou après la prochaine mise à jour.";
+"icloud_hint_quota" = "Votre stockage iCloud est plein. Libérez de l'espace et réessayez.";
+"icloud_hint_network" = "Impossible de joindre iCloud. Vérifiez votre connexion et réessayez.";
+"icloud_hint_partial_generic" = "Certains enregistrements n'ont pas pu être synchronisés cette fois. L'app réessaiera automatiquement.";
+"icloud_status_error" = "Problème de synchronisation iCloud";
+"icloud_status_syncing" = "Synchronisation avec iCloud";
+"icloud_show_details" = "Afficher les détails techniques";
+"yoy_vs_prev" = "vs %@";
+"yoy_best_year" = "Meilleure année";
+"yoy_worst_year" = "Pire année";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "Coller %@";
+"quick_update_scan" = "Scanner";
+"quick_update_done_kbd" = "OK";
+"quick_update_scanning" = "Lecture de l’image…";
+"quick_update_pick_amount" = "Quel montant ?";
+"quick_update_no_amount_found" = "Aucun montant reconnu dans l’image.";
+"icloud_copy_diagnostics" = "Copier le diagnostic iCloud";
+"icloud_diagnostics_copied" = "Diagnostic copié dans le presse-papiers";
+
+"Smooth Gaps in Charts" = "Lisser les écarts dans les graphiques";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "Données manquantes pour %d mois";
+"gaps_missing_count" = "%d manquants";
+"gaps_range_between" = "Entre %@ et %@";
+"Fill in missing data" = "Compléter les données manquantes";
+"Missing Data" = "Données manquantes";
+"Fill Gap" = "Combler le vide";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "Le graphique estime ces mois. Ajoutez des valeurs réelles pour garder un historique précis.";
+"Dismiss" = "Ignorer";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%d mois";
+"Monthly Summary" = "Résumé mensuel";
+"Portfolio Value" = "Valeur du portefeuille";
+"Tracked with" = "Suivi avec";
+"Share monthly summary" = "Partager le résumé mensuel";
+"since last check-in" = "depuis le dernier point";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "Rien de nouveau à importer. Vos données sont déjà à jour.";
+"import_preview_sources" = "Créer %d sources";
+"import_preview_snapshots_new" = "Créer %d relevés";
+"import_preview_snapshots_update" = "Mettre à jour %d relevés";
+"import_preview_categories" = "Créer %d catégories";
+"import_preview_goals" = "Créer %d objectifs";
+"import_preview_journal_new" = "Créer %d entrées de journal";
+"import_preview_journal_update" = "Mettre à jour %d entrées de journal";
+"Review Import" = "Vérifier l’import";
+"Reviewing import…" = "Vérification de l’import…";
+"Import" = "Importer";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "Estimé";
+"gaps_autofill_cta" = "Remplir %d mois";
+"Add manually" = "Ajouter manuellement";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "Le remplissage auto estime les mois manquants entre deux relevés (marqués comme estimés). Ou saisis les vraies valeurs toi-même.";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "Sauvegarde auto";
+"Off" = "Désactivé";
+"Daily" = "Quotidien";
+"Weekly" = "Hebdomadaire";
+"Monthly" = "Mensuel";
+"Last auto backup" = "Dernière sauvegarde auto";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "Masquer les soldes";
+"Show balances" = "Afficher les soldes";
+"Balance hidden" = "Solde masqué";
+"Reveal your balances" = "Afficher vos soldes";
+"Privacy" = "Confidentialité";
+"Hide Balances" = "Masquer les soldes";
+"Require Face ID to Reveal" = "Exiger Face ID pour afficher";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "Masque tous les montants derrière un flou. Idéal pour utiliser l'app en public ou faire des captures. Exigez Face ID pour les afficher, en option.";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "Tu n'as encore enregistré aucune valeur de portefeuille.";
+"intent_networth_dialog" = "Ton patrimoine est de %@.";
+"intent_streak" = "Tu es sur une série de %d mois.";
+"intent_streak_with_date" = "Tu es sur une série de %d mois. Ton dernier relevé date du %@.";
+"intent_streak_none" = "Tu n'as pas encore de série active. Enregistre une valeur pour en commencer une.";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "Période personnalisée";
+"chart_range_from" = "De";
+"chart_range_to" = "À";
+"chart_filtered_prefix" = "Filtré : %@";
+"chart_overlay_contributions" = "vs Versements";
+"chart_insight_best_month" = "Meilleur mois de la période : %1$@ (%2$@)";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "Partage tes progrès";
+"share_percent_only" = "Pourcentages uniquement";
+"share_format_post" = "Post";
+"share_format_story" = "Story";
+"share_card_cta" = "Partager";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "Rendement total";
+"share_metric_yoy" = "Cette année";
+"share_metric_since_inception" = "Depuis le début";
+"share_cta_headline" = "Suis le tien — gratuit";
+"share_cta_sub" = "Scanne pour Portfolio Journal";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "Au %@";
+"share_theme_dark" = "Sombre";
+"share_theme_light" = "Clair";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "Valeur du jour";
+"add_source_value_footer" = "Enregistrée comme votre premier check-in : votre progression commence aujourd'hui.";
+"quick_update_add_first_source" = "Ajouter votre première source";

PortfolioJournal/Resources/it.lproj/Localizable.strings

@@ -353,6 +353,18 @@
 "onboarding_quickstart_subtitle" = "Aggiungi la tua prima fonte di investimento per iniziare a monitorare il portafoglio.";
 "onboarding_quickstart_title" = "Quasi pronto";
 "reengagement_body" = "Pochi minuti bastano per tenere sotto controllo i tuoi investimenti.";
+"reengagement_goal_title" = "Sei sulla buona strada 📈";
+"reengagement_goal_body" = "A questo ritmo raggiungerai \"%@\" entro %@. Guarda quanto manca.";
+"reengagement_yoy_title" = "Guarda che crescita 👀";
+"reengagement_yoy_body" = "Sei in rialzo del %@ nell'ultimo anno. Controlla l'andamento.";
+"reengagement_month_title" = "Bel mese 📈";
+"reengagement_month_body" = "Il tuo portafoglio è cresciuto di %@ questo mese. Dai un'occhiata.";
+"reengagement_milestone_title" = "Ci sei quasi 🎯";
+"reengagement_milestone_body" = "Sei quasi a %@. Quanto manca oggi?";
+"reengagement_streak_title" = "Non perdere la serie 🔥";
+"reengagement_streak_body" = "Hai registrato %d mesi di fila. Non fermarti ora.";
+"reengagement_neutral_title" = "Novità? 👀";
+"reengagement_neutral_body" = "C'è stato movimento nel tuo portafoglio. Guarda cosa è cambiato.";
 "reengagement_title" = "Il tuo portafoglio ti aspetta";
 "snapshot_duplicate_add" = "Aggiungi comunque";
 "snapshot_contribution_propagate_title" = "Applica contributo";
@@ -412,6 +424,25 @@
 "insight_streak_title" = "Serie di aggiornamenti";
 "insight_streak_value" = "%d mesi consecutivi";
 "insight_forecast_title" = "In direzione di";
+"insight_allocation_title" = "Scostamento allocazione";
+"insight_allocation_over_value" = "%1$@ è al %2$.0f%% — sopra il tuo obiettivo del %3$.0f%%";
+"insight_allocation_under_value" = "%1$@ è al %2$.0f%% — sotto il tuo obiettivo del %3$.0f%%";
+"insight_allocation_detail" = "Riequilibra per restare nel piano";
+"insight_concentration_title" = "Rischio di concentrazione";
+"insight_concentration_value" = "%1$@ è il %2$.0f%% del tuo portafoglio";
+"insight_concentration_detail" = "Valuta di diversificare";
+"insight_best_performer_title" = "Miglior rendimento";
+"insight_worst_performer_title" = "Richiede attenzione";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "Diversificazione";
+"insight_diversification_single_value" = "Tutto in un'unica fonte — valuta di aggiungerne un'altra";
+"insight_diversification_good_value" = "Distribuito su %d categorie";
+"goal_projection_projected" = "Previsione: %@";
+"goal_projection_add_contributions" = "Aggiungi versamenti per raggiungerlo";
+"goal_chip_ahead" = "In anticipo";
+"goal_chip_on_track" = "In linea";
+"goal_chip_behind" = "In ritardo";
+"goal_chip_at_this_pace" = "A questo ritmo…";
 "notification_milestone_title" = "Traguardo raggiunto! 🎉";
 "notification_milestone_body" = "Il tuo portafoglio ha appena superato %@. Complimenti!";
 
@@ -468,3 +499,181 @@
 "chart_share_scan" = "Scansiona per scaricare";
 "chart_locked_title" = "%@ è un grafico Premium";
 "chart_locked_cta" = "Sblocca Premium";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "Check-in di %@ completato";
+"checkin_done_next" = "Prossimo: %@";
+"checkin_next_due" = "Prossimo check-in: %@";
+"checkin_days_left" = "%d giorni rimasti";
+"checkin_due_today" = "Oggi";
+"checkin_overdue" = "In ritardo";
+"dash_chart_yoy" = "Anno su anno";
+"home_chart_locked_sub" = "Sblocca con Premium per vedere questo grafico.";
+"checkin_sources_progress" = "%1$d di %2$d fonti aggiornate";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "Mese scorso";
+"guided_paste_amount" = "Incolla %@";
+"guided_next" = "Avanti";
+"guided_same_as_last" = "Come il mese scorso";
+"guided_skip" = "Salta";
+"guided_reflection_title" = "Come senti questo mese?";
+"guided_reflection_subtitle" = "Una nota veloce per il te del futuro.";
+"guided_note_placeholder" = "Una riga sincera su questo mese…";
+"guided_finish" = "Concludi il check-in";
+"guided_done_title" = "Check-in di %@ completato";
+"guided_streak" = "%d mesi di fila";
+"guided_share_month" = "Condividi questo mese";
+"guided_done_cta" = "Fatto";
+"journal_no_note" = "Ancora nessuna nota.";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "Versione %@";
+"whats_new_150_redesign_title" = "Un look più calmo e pulito";
+"whats_new_150_redesign_body" = "Home ridisegnata con il tuo valore totale in primo piano, il check-in al centro e meno rumore ovunque.";
+"whats_new_150_guided_title" = "Check-in mensile guidato";
+"whats_new_150_guided_body" = "Una fonte per passo, delta in tempo reale, una riflessione veloce — il tuo rituale di 5 minuti, ripensato.";
+"whats_new_150_rings_title" = "Anelli obiettivi & timeline";
+"whats_new_150_rings_body" = "Anelli di progresso stile Fitness per gli obiettivi e una timeline della tua storia da investitore.";
+"whats_new_142_ocr_title" = "Aggiorna da uno screenshot";
+"whats_new_142_ocr_body" = "Condividi uno screenshot della tua banca — il saldo viene riconosciuto sul dispositivo, nulla lascia il tuo iPhone.";
+"whats_new_142_siri_title" = "Siri nella tua lingua";
+"whats_new_142_siri_body" = "\"Registra il saldo di Indexa\" — registra valori con la voce o dai Comandi rapidi, senza aprire l'app.";
+"whats_new_142_charts_title" = "Grafici rinnovati";
+"whats_new_142_charts_body" = "Barra laterale nativa su iPad, KPI su misura per ogni grafico e condivisione come belle immagini.";
+"whats_new_141_extension_title" = "Aggiorna senza cambiare app";
+"whats_new_141_extension_body" = "Condividi un valore dall'app della tua banca direttamente in Portfolio Journal con la nuova estensione.";
+"whats_new_141_ipad_title" = "Meglio su iPad";
+"whats_new_141_ipad_body" = "Grafici ridisegnati per lo schermo grande, con zoom ed etichette dei valori.";
+"whats_new_141_icloud_title" = "Più sincronizzato";
+"whats_new_141_icloud_body" = "I contributi mensili e gli obiettivi di allocazione ora si sincronizzano via iCloud.";
+"whats_new_title_format" = "Novità della %@";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "Aggiorna tutto in pochi secondi";
+"tip_quick_update_body" = "Quick Update elenca tutte le tue fonti in una schermata — incolla i valori dagli appunti e via.";
+"tip_ocr_title" = "Oppure condividi uno screenshot";
+"tip_ocr_body" = "Dall'app della tua banca: screenshot → Condividi → Portfolio Journal. Il saldo viene letto sul dispositivo.";
+"tip_siri_title" = "La prossima volta prova con la voce";
+"tip_siri_body" = "Di' a Siri \"Registra il saldo del mio conto in Portfolio Journal\" — senza aprire l'app.";
+"tip_chart_share_title" = "Condividi questo grafico";
+"tip_chart_share_body" = "Genera una bella immagine con i tuoi dati, pronta per X o WhatsApp.";
+"allocation_total" = "Totale";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "iCloud ha rifiutato alcuni record. Di solito significa che lo schema iCloud è ancora in configurazione — spesso si risolve in poche ore o dopo il prossimo aggiornamento.";
+"icloud_hint_quota" = "Il tuo spazio iCloud è pieno. Libera spazio e riprova.";
+"icloud_hint_network" = "Impossibile raggiungere iCloud. Controlla la connessione e riprova.";
+"icloud_hint_partial_generic" = "Alcuni record non si sono sincronizzati stavolta. L'app riproverà automaticamente.";
+"icloud_status_error" = "Problema di sincronizzazione iCloud";
+"icloud_status_syncing" = "Sincronizzazione con iCloud";
+"icloud_show_details" = "Mostra dettagli tecnici";
+"yoy_vs_prev" = "vs %@";
+"yoy_best_year" = "Anno migliore";
+"yoy_worst_year" = "Anno peggiore";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "Incolla %@";
+"quick_update_scan" = "Scansiona";
+"quick_update_done_kbd" = "Fine";
+"quick_update_scanning" = "Lettura immagine…";
+"quick_update_pick_amount" = "Quale importo?";
+"quick_update_no_amount_found" = "Nessun importo riconosciuto nell’immagine.";
+"icloud_copy_diagnostics" = "Copia diagnostica iCloud";
+"icloud_diagnostics_copied" = "Diagnostica copiata negli appunti";
+
+"Smooth Gaps in Charts" = "Uniforma i vuoti nei grafici";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "Mancano i dati di %d mesi";
+"gaps_missing_count" = "%d mancanti";
+"gaps_range_between" = "Tra %@ e %@";
+"Fill in missing data" = "Completa i dati mancanti";
+"Missing Data" = "Dati mancanti";
+"Fill Gap" = "Colma il vuoto";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "Il grafico stima questi mesi. Aggiungi valori reali per mantenere accurata la cronologia.";
+"Dismiss" = "Ignora";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%d mesi";
+"Monthly Summary" = "Riepilogo mensile";
+"Portfolio Value" = "Valore del portafoglio";
+"Tracked with" = "Registrato con";
+"Share monthly summary" = "Condividi il riepilogo mensile";
+"since last check-in" = "dall’ultimo check-in";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "Niente di nuovo da importare. I tuoi dati sono già aggiornati.";
+"import_preview_sources" = "Crea %d fonti";
+"import_preview_snapshots_new" = "Crea %d rilevazioni";
+"import_preview_snapshots_update" = "Aggiorna %d rilevazioni";
+"import_preview_categories" = "Crea %d categorie";
+"import_preview_goals" = "Crea %d obiettivi";
+"import_preview_journal_new" = "Crea %d voci del diario";
+"import_preview_journal_update" = "Aggiorna %d voci del diario";
+"Review Import" = "Rivedi importazione";
+"Reviewing import…" = "Revisione importazione…";
+"Import" = "Importa";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "Stimato";
+"gaps_autofill_cta" = "Riempi %d mesi";
+"Add manually" = "Aggiungi manualmente";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "Il riempimento automatico stima i mesi mancanti tra due snapshot (contrassegnati come stimati). Oppure inserisci tu i valori reali.";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "Backup automatico";
+"Off" = "Disattivato";
+"Daily" = "Giornaliero";
+"Weekly" = "Settimanale";
+"Monthly" = "Mensile";
+"Last auto backup" = "Ultimo backup automatico";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "Nascondi saldi";
+"Show balances" = "Mostra saldi";
+"Balance hidden" = "Saldo nascosto";
+"Reveal your balances" = "Mostra i tuoi saldi";
+"Privacy" = "Privacy";
+"Hide Balances" = "Nascondi saldi";
+"Require Face ID to Reveal" = "Richiedi Face ID per mostrare";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "Nasconde tutti gli importi dietro una sfocatura. Ideale per usare l'app in pubblico o fare screenshot. Facoltativamente richiedi Face ID per mostrarli.";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "Non hai ancora registrato alcun valore di portafoglio.";
+"intent_networth_dialog" = "Il tuo patrimonio è %@.";
+"intent_streak" = "Sei a una serie di %d mesi.";
+"intent_streak_with_date" = "Sei a una serie di %d mesi. Il tuo ultimo check-in è stato il %@.";
+"intent_streak_none" = "Non hai ancora una serie attiva. Registra un valore per iniziarne una.";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "Intervallo personalizzato";
+"chart_range_from" = "Da";
+"chart_range_to" = "A";
+"chart_filtered_prefix" = "Filtrato: %@";
+"chart_overlay_contributions" = "vs Versamenti";
+"chart_insight_best_month" = "Miglior mese del periodo: %1$@ (%2$@)";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "Condividi i tuoi progressi";
+"share_percent_only" = "Solo percentuali";
+"share_format_post" = "Post";
+"share_format_story" = "Storia";
+"share_card_cta" = "Condividi";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "Rendimento totale";
+"share_metric_yoy" = "Quest'anno";
+"share_metric_since_inception" = "Dall'inizio";
+"share_cta_headline" = "Monitora il tuo — gratis";
+"share_cta_sub" = "Scansiona per Portfolio Journal";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "Al %@";
+"share_theme_dark" = "Scuro";
+"share_theme_light" = "Chiaro";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "Valore di oggi";
+"add_source_value_footer" = "Salvato come primo check-in: i tuoi progressi iniziano oggi.";
+"quick_update_add_first_source" = "Aggiungi la tua prima fonte";

PortfolioJournal/Resources/ja.lproj/Localizable.strings

@@ -353,6 +353,18 @@
 "onboarding_quickstart_subtitle" = "最初の投資ソースを追加して、ポートフォリオの追跡を始めましょう。";
 "onboarding_quickstart_title" = "もうすぐ完了";
 "reengagement_body" = "数分で投資の状況を把握できます。";
+"reengagement_goal_title" = "順調です 📈";
+"reengagement_goal_body" = "このペースなら%2$@までに「%1$@」に到達します。あとどれくらいか見てみましょう。";
+"reengagement_yoy_title" = "この成長を見て 👀";
+"reengagement_yoy_body" = "この1年で%@上昇しています。トレンドをチェックしましょう。";
+"reengagement_month_title" = "好調な月 📈";
+"reengagement_month_body" = "今月、ポートフォリオが%@増えました。ちょっと見てみましょう。";
+"reengagement_milestone_title" = "あと少し 🎯";
+"reengagement_milestone_body" = "もうすぐ%@です。今日はどこまで来たでしょう？";
+"reengagement_streak_title" = "連続記録を継続 🔥";
+"reengagement_streak_body" = "%dか月連続で記録しています。ここでやめないで。";
+"reengagement_neutral_title" = "何か変化は？ 👀";
+"reengagement_neutral_body" = "ポートフォリオに動きがありました。何が変わったか見てみましょう。";
 "reengagement_title" = "ポートフォリオが待っています";
 "snapshot_duplicate_add" = "とにかく追加";
 "snapshot_contribution_propagate_title" = "拠出を適用";
@@ -412,6 +424,25 @@
 "insight_streak_title" = "追跡連続記録";
 "insight_streak_value" = "%dヶ月連続";
 "insight_forecast_title" = "目標に向けて順調";
+"insight_allocation_title" = "配分のずれ";
+"insight_allocation_over_value" = "%1$@は%2$.0f%% — 目標の%3$.0f%%を上回っています";
+"insight_allocation_under_value" = "%1$@は%2$.0f%% — 目標の%3$.0f%%を下回っています";
+"insight_allocation_detail" = "計画に合わせてリバランスしましょう";
+"insight_concentration_title" = "集中リスク";
+"insight_concentration_value" = "%1$@がポートフォリオの%2$.0f%%を占めています";
+"insight_concentration_detail" = "分散を検討しましょう";
+"insight_best_performer_title" = "最も好調";
+"insight_worst_performer_title" = "要注意";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "分散";
+"insight_diversification_single_value" = "1つの資産に集中 — 追加を検討しましょう";
+"insight_diversification_good_value" = "%d個のカテゴリに分散";
+"goal_projection_projected" = "予測: %@";
+"goal_projection_add_contributions" = "積立を追加して達成しましょう";
+"goal_chip_ahead" = "前倒し";
+"goal_chip_on_track" = "順調";
+"goal_chip_behind" = "遅れ気味";
+"goal_chip_at_this_pace" = "このペースだと…";
 "notification_milestone_title" = "ポートフォリオ達成！🎉";
 "notification_milestone_body" = "ポートフォリオが%@を突破しました。おめでとうございます！";
 
@@ -468,3 +499,181 @@
 "chart_share_scan" = "スキャンしてダウンロード";
 "chart_locked_title" = "%@はプレミアムチャートです";
 "chart_locked_cta" = "プレミアムを解除";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "%@のチェックイン完了";
+"checkin_done_next" = "次回：%@";
+"checkin_next_due" = "次回のチェックイン：%@";
+"checkin_days_left" = "あと%d日";
+"checkin_due_today" = "本日期限";
+"checkin_overdue" = "期限切れ";
+"dash_chart_yoy" = "年別比較";
+"home_chart_locked_sub" = "Premium で解除してこのチャートを表示できます。";
+"checkin_sources_progress" = "%2$d件中%1$d件のソースを更新済み";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "先月";
+"guided_paste_amount" = "%@を貼り付け";
+"guided_next" = "次へ";
+"guided_same_as_last" = "先月と同じ";
+"guided_skip" = "スキップ";
+"guided_reflection_title" = "今月はどんな気分ですか？";
+"guided_reflection_subtitle" = "未来の自分への簡単なメモ。";
+"guided_note_placeholder" = "今月について正直な一言…";
+"guided_finish" = "チェックインを完了";
+"guided_done_title" = "%@のチェックイン完了";
+"guided_streak" = "%dか月連続";
+"guided_share_month" = "今月をシェア";
+"guided_done_cta" = "完了";
+"journal_no_note" = "まだメモがありません。";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "バージョン%@";
+"whats_new_150_redesign_title" = "より穏やかで洗練されたデザイン";
+"whats_new_150_redesign_body" = "ホームを刷新。総資産を主役に、チェックインを中心に、あらゆる場所のノイズを削減しました。";
+"whats_new_150_guided_title" = "ガイド付き月次チェックイン";
+"whats_new_150_guided_body" = "1画面1ソース、リアルタイム差分、簡単な振り返り — 月5分の習慣を再設計しました。";
+"whats_new_150_rings_title" = "目標リングとジャーナルタイムライン";
+"whats_new_150_rings_body" = "フィットネス風の進捗リングと、投資の歩みを綴るムードタイムライン。";
+"whats_new_142_ocr_title" = "スクリーンショットから更新";
+"whats_new_142_ocr_body" = "銀行アプリのスクリーンショットを共有するだけ。残高はデバイス上で認識され、外部には送信されません。";
+"whats_new_142_siri_title" = "Siriに対応";
+"whats_new_142_siri_body" = "「Indexaの残高を記録」— アプリを開かずに音声やショートカットで記録できます。";
+"whats_new_142_charts_title" = "チャートを一新";
+"whats_new_142_charts_body" = "iPadのネイティブサイドバー、チャートごとの最適なKPI、美しい画像での共有ボタン。";
+"whats_new_141_extension_title" = "アプリを切り替えずに更新";
+"whats_new_141_extension_body" = "新しい共有拡張機能で、銀行アプリから直接Portfolio Journalへ値を送れます。";
+"whats_new_141_ipad_title" = "iPadでより快適に";
+"whats_new_141_ipad_body" = "大画面向けにチャートを再設計。ピンチズームと値ラベルに対応。";
+"whats_new_141_icloud_title" = "さらに同期";
+"whats_new_141_icloud_body" = "毎月の積立額と配分目標がiCloudでデバイス間同期されるようになりました。";
+"whats_new_title_format" = "バージョン%@の新機能";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "数秒ですべて更新";
+"tip_quick_update_body" = "クイック更新なら全ソースを1画面で。クリップボードから値を貼り付けるだけ。";
+"tip_ocr_title" = "スクリーンショットの共有でもOK";
+"tip_ocr_body" = "銀行アプリでスクショ → 共有 → Portfolio Journal。残高はデバイス上で読み取られます。";
+"tip_siri_title" = "次は声で試してみて";
+"tip_siri_body" = "Siriに「Portfolio Journalで口座の残高を記録」と話しかけるだけ。アプリを開く必要はありません。";
+"tip_chart_share_title" = "このチャートを共有";
+"tip_chart_share_body" = "あなたのデータで美しい画像を生成。XやWhatsAppにそのまま共有できます。";
+"allocation_total" = "合計";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "一部のレコードがiCloudに拒否されました。多くの場合iCloudのスキーマ設定が完了していないためで、数時間の使用後または次回のアップデートで解消されます。";
+"icloud_hint_quota" = "iCloudの容量がいっぱいです。空き容量を確保して再試行してください。";
+"icloud_hint_network" = "iCloudに接続できませんでした。接続を確認して再試行してください。";
+"icloud_hint_partial_generic" = "今回一部のレコードを同期できませんでした。アプリが自動的に再試行します。";
+"icloud_status_error" = "iCloud同期の問題";
+"icloud_status_syncing" = "iCloudと同期中";
+"icloud_show_details" = "技術的な詳細を表示";
+"yoy_vs_prev" = "%@比";
+"yoy_best_year" = "最高の年";
+"yoy_worst_year" = "最悪の年";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "%@を貼り付け";
+"quick_update_scan" = "スキャン";
+"quick_update_done_kbd" = "完了";
+"quick_update_scanning" = "画像を読み取り中…";
+"quick_update_pick_amount" = "どの金額？";
+"quick_update_no_amount_found" = "画像から金額を認識できませんでした。";
+"icloud_copy_diagnostics" = "iCloud診断をコピー";
+"icloud_diagnostics_copied" = "診断をクリップボードにコピーしました";
+
+"Smooth Gaps in Charts" = "グラフの空白を補間";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "%dか月分のデータがありません";
+"gaps_missing_count" = "%d件不足";
+"gaps_range_between" = "%@〜%@の間";
+"Fill in missing data" = "不足しているデータを入力";
+"Missing Data" = "不足データ";
+"Fill Gap" = "空白を埋める";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "グラフはこれらの月を推定しています。正確な履歴を保つため実際の値を追加してください。";
+"Dismiss" = "閉じる";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%dか月";
+"Monthly Summary" = "月間サマリー";
+"Portfolio Value" = "ポートフォリオの価値";
+"Tracked with" = "記録に使用";
+"Share monthly summary" = "月間サマリーを共有";
+"since last check-in" = "前回のチェックイン以降";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "新しくインポートするものはありません。データはすでに最新です。";
+"import_preview_sources" = "%d件のソースを作成";
+"import_preview_snapshots_new" = "%d件のスナップショットを作成";
+"import_preview_snapshots_update" = "%d件のスナップショットを更新";
+"import_preview_categories" = "%d件のカテゴリーを作成";
+"import_preview_goals" = "%d件の目標を作成";
+"import_preview_journal_new" = "%d件のジャーナルを作成";
+"import_preview_journal_update" = "%d件のジャーナルを更新";
+"Review Import" = "インポートの確認";
+"Reviewing import…" = "インポートを確認中…";
+"Import" = "インポート";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "推定";
+"gaps_autofill_cta" = "%dか月を自動入力";
+"Add manually" = "手動で追加";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "自動入力は2つの記録の間の欠けている月を推定します（推定として表示）。または実際の値を自分で入力できます。";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "自動バックアップ";
+"Off" = "オフ";
+"Daily" = "毎日";
+"Weekly" = "毎週";
+"Monthly" = "毎月";
+"Last auto backup" = "最後の自動バックアップ";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "残高を隠す";
+"Show balances" = "残高を表示";
+"Balance hidden" = "残高は非表示";
+"Reveal your balances" = "残高を表示";
+"Privacy" = "プライバシー";
+"Hide Balances" = "残高を隠す";
+"Require Face ID to Reveal" = "表示にFace IDを要求";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "すべての金額をぼかして隠します。人前での利用やスクリーンショットに最適。表示にFace IDを要求することもできます。";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "まだポートフォリオの金額が記録されていません。";
+"intent_networth_dialog" = "あなたの純資産は%@です。";
+"intent_streak" = "%dか月連続で記録中です。";
+"intent_streak_with_date" = "%dか月連続で記録中です。最後のチェックインは%@でした。";
+"intent_streak_none" = "まだ連続記録がありません。値を記録して始めましょう。";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "カスタム期間";
+"chart_range_from" = "開始";
+"chart_range_to" = "終了";
+"chart_filtered_prefix" = "フィルター: %@";
+"chart_overlay_contributions" = "拠出額と比較";
+"chart_insight_best_month" = "期間内のベスト月: %1$@（%2$@）";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "成果をシェア";
+"share_percent_only" = "パーセントのみ";
+"share_format_post" = "投稿";
+"share_format_story" = "ストーリー";
+"share_card_cta" = "シェア";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "トータルリターン";
+"share_metric_yoy" = "今年";
+"share_metric_since_inception" = "開始来";
+"share_cta_headline" = "あなたも無料で記録";
+"share_cta_sub" = "スキャンでPortfolio Journalを入手";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "%@時点";
+"share_theme_dark" = "ダーク";
+"share_theme_light" = "ライト";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "今日の評価額";
+"add_source_value_footer" = "最初のチェックインとして保存され、今日から進捗の記録が始まります。";
+"quick_update_add_first_source" = "最初の投資先を追加";

PortfolioJournal/Resources/pt-BR.lproj/Localizable.strings

@@ -353,6 +353,18 @@
 "onboarding_quickstart_subtitle" = "Adicione sua primeira fonte de investimento para começar a acompanhar seu portfólio.";
 "onboarding_quickstart_title" = "Quase lá";
 "reengagement_body" = "Alguns minutos são suficientes para manter o controle dos seus investimentos.";
+"reengagement_goal_title" = "Você está no caminho certo 📈";
+"reengagement_goal_body" = "Nesse ritmo você vai alcançar \"%@\" até %@. Veja o quanto falta.";
+"reengagement_yoy_title" = "Olha esse crescimento 👀";
+"reengagement_yoy_body" = "Você está %@ acima no último ano. Confira a tendência.";
+"reengagement_month_title" = "Bom mês 📈";
+"reengagement_month_body" = "Sua carteira cresceu %@ este mês. Dê uma olhada.";
+"reengagement_milestone_title" = "Quase lá 🎯";
+"reengagement_milestone_body" = "Você está quase em %@. Quão perto está hoje?";
+"reengagement_streak_title" = "Mantenha a sequência 🔥";
+"reengagement_streak_body" = "Você registrou %d meses seguidos. Não pare agora.";
+"reengagement_neutral_title" = "Alguma novidade? 👀";
+"reengagement_neutral_body" = "Houve movimento na sua carteira. Veja o que mudou.";
 "reengagement_title" = "Seu portfólio está esperando";
 "snapshot_duplicate_add" = "Adicionar mesmo assim";
 "snapshot_contribution_propagate_title" = "Aplicar contribuição";
@@ -412,6 +424,25 @@
 "insight_streak_title" = "Sequência de atualizações";
 "insight_streak_value" = "%d meses consecutivos";
 "insight_forecast_title" = "Caminhando para";
+"insight_allocation_title" = "Desvio de alocação";
+"insight_allocation_over_value" = "%1$@ está em %2$.0f%% — acima da sua meta de %3$.0f%%";
+"insight_allocation_under_value" = "%1$@ está em %2$.0f%% — abaixo da sua meta de %3$.0f%%";
+"insight_allocation_detail" = "Rebalanceie para seguir o plano";
+"insight_concentration_title" = "Risco de concentração";
+"insight_concentration_value" = "%1$@ representa %2$.0f%% da sua carteira";
+"insight_concentration_detail" = "Considere diversificar";
+"insight_best_performer_title" = "Melhor desempenho";
+"insight_worst_performer_title" = "Requer atenção";
+"insight_performer_value" = "%1$@ · %2$+.1f%%";
+"insight_diversification_title" = "Diversificação";
+"insight_diversification_single_value" = "Tudo em uma fonte — considere adicionar outra";
+"insight_diversification_good_value" = "Distribuído em %d categorias";
+"goal_projection_projected" = "Previsão: %@";
+"goal_projection_add_contributions" = "Adicione aportes para alcançar";
+"goal_chip_ahead" = "Adiantado";
+"goal_chip_on_track" = "No caminho";
+"goal_chip_behind" = "Atrasado";
+"goal_chip_at_this_pace" = "Neste ritmo…";
 "notification_milestone_title" = "Meta de portfólio! 🎉";
 "notification_milestone_body" = "Seu portfólio acabou de ultrapassar %@. Parabéns!";
 
@@ -468,3 +499,181 @@
 "chart_share_scan" = "Escaneie para baixar";
 "chart_locked_title" = "%@ é um gráfico Premium";
 "chart_locked_cta" = "Desbloquear Premium";
+
+// Calm 2.0 Home (1.5.0)
+"checkin_done_title" = "Check-in de %@ concluído";
+"checkin_done_next" = "Próximo: %@";
+"checkin_next_due" = "Próximo check-in: %@";
+"checkin_days_left" = "faltam %d dias";
+"checkin_due_today" = "Hoje";
+"checkin_overdue" = "Atrasado";
+"dash_chart_yoy" = "Ano vs Ano";
+"home_chart_locked_sub" = "Desbloqueie com Premium para ver este gráfico.";
+"checkin_sources_progress" = "%1$d de %2$d fontes atualizadas";
+
+// Guided check-in (1.5.0 Fase 2)
+"guided_previous_value" = "Mês passado";
+"guided_paste_amount" = "Colar %@";
+"guided_next" = "Avançar";
+"guided_same_as_last" = "Igual ao mês passado";
+"guided_skip" = "Pular";
+"guided_reflection_title" = "Como está sendo este mês?";
+"guided_reflection_subtitle" = "Uma nota rápida para o seu eu do futuro.";
+"guided_note_placeholder" = "Uma linha sincera sobre este mês…";
+"guided_finish" = "Concluir check-in";
+"guided_done_title" = "Check-in de %@ concluído";
+"guided_streak" = "%d meses seguidos";
+"guided_share_month" = "Compartilhar este mês";
+"guided_done_cta" = "Concluído";
+"journal_no_note" = "Ainda sem nota.";
+
+// What's New catalog (1.4.1–1.5.0)
+"whats_new_version_header" = "Versão %@";
+"whats_new_150_redesign_title" = "Um visual mais calmo e limpo";
+"whats_new_150_redesign_body" = "Início redesenhado com seu valor total em destaque, o check-in no centro e menos ruído em tudo.";
+"whats_new_150_guided_title" = "Check-in mensal guiado";
+"whats_new_150_guided_body" = "Uma fonte por etapa, deltas ao vivo e uma reflexão rápida — seu ritual de 5 minutos, reinventado.";
+"whats_new_150_rings_title" = "Anéis de metas & timeline";
+"whats_new_150_rings_body" = "Anéis de progresso estilo Fitness para metas e uma timeline da sua história como investidor.";
+"whats_new_142_ocr_title" = "Atualize com uma captura de tela";
+"whats_new_142_ocr_body" = "Compartilhe uma captura do seu banco — o saldo é reconhecido no aparelho, nada sai do seu iPhone.";
+"whats_new_142_siri_title" = "Siri no seu idioma";
+"whats_new_142_siri_body" = "\"Registre o saldo da Indexa\" — anote valores por voz ou pelos Atalhos, sem abrir o app.";
+"whats_new_142_charts_title" = "Gráficos renovados";
+"whats_new_142_charts_body" = "Barra lateral nativa no iPad, KPIs sob medida por gráfico e compartilhamento com belas imagens.";
+"whats_new_141_extension_title" = "Atualize sem trocar de app";
+"whats_new_141_extension_body" = "Compartilhe um valor do app do seu banco direto no Portfolio Journal com a nova extensão.";
+"whats_new_141_ipad_title" = "Melhor no iPad";
+"whats_new_141_ipad_body" = "Gráficos redesenhados para a tela grande, com zoom e rótulos de valor.";
+"whats_new_141_icloud_title" = "Mais sincronizado";
+"whats_new_141_icloud_body" = "Aportes mensais e metas de alocação agora sincronizam via iCloud.";
+"whats_new_title_format" = "Novidades da %@";
+
+// TipKit (1.5.0 Fase 4)
+"tip_quick_update_title" = "Atualize tudo em segundos";
+"tip_quick_update_body" = "O Quick Update lista todas as suas fontes em uma tela — cole valores da área de transferência e pronto.";
+"tip_ocr_title" = "Ou compartilhe uma captura de tela";
+"tip_ocr_body" = "Do app do seu banco: captura → Compartilhar → Portfolio Journal. O saldo é lido no aparelho.";
+"tip_siri_title" = "Na próxima, experimente por voz";
+"tip_siri_body" = "Diga à Siri \"Registre o saldo da minha conta no Portfolio Journal\" — sem abrir o app.";
+"tip_chart_share_title" = "Compartilhe este gráfico";
+"tip_chart_share_body" = "Gera uma bela imagem com seus dados, pronta para o X ou WhatsApp.";
+"allocation_total" = "Total";
+
+// iCloud error hints (1.5.0)
+"icloud_hint_schema" = "O iCloud rejeitou alguns registros. Geralmente significa que o esquema do iCloud ainda está sendo configurado — costuma resolver em algumas horas ou após a próxima atualização do app.";
+"icloud_hint_quota" = "Seu armazenamento do iCloud está cheio. Libere espaço e tente novamente.";
+"icloud_hint_network" = "Não foi possível acessar o iCloud. Verifique sua conexão e tente novamente.";
+"icloud_hint_partial_generic" = "Alguns registros não sincronizaram desta vez. O app tentará novamente automaticamente.";
+"icloud_status_error" = "Problema de sincronização com o iCloud";
+"icloud_status_syncing" = "Sincronizando com o iCloud";
+"icloud_show_details" = "Mostrar detalhes técnicos";
+"yoy_vs_prev" = "vs %@";
+"yoy_best_year" = "Melhor ano";
+"yoy_worst_year" = "Pior ano";
+
+// Quick Update paste/scan (1.5.0)
+"quick_update_paste_value" = "Colar %@";
+"quick_update_scan" = "Escanear";
+"quick_update_done_kbd" = "Concluir";
+"quick_update_scanning" = "Lendo imagem…";
+"quick_update_pick_amount" = "Qual valor?";
+"quick_update_no_amount_found" = "Nenhum valor reconhecido na imagem.";
+"icloud_copy_diagnostics" = "Copiar diagnóstico do iCloud";
+"icloud_diagnostics_copied" = "Diagnóstico copiado para a área de transferência";
+
+"Smooth Gaps in Charts" = "Suavizar lacunas nos gráficos";
+
+// MARK: - Data Gaps (1.5.0)
+"gaps_banner_title" = "Faltam dados de %d meses";
+"gaps_missing_count" = "%d faltando";
+"gaps_range_between" = "Entre %@ e %@";
+"Fill in missing data" = "Preencher dados faltantes";
+"Missing Data" = "Dados faltantes";
+"Fill Gap" = "Preencher lacuna";
+"The chart estimates these months. Add real snapshots to keep your history accurate." = "O gráfico estima esses meses. Adicione valores reais para manter seu histórico preciso.";
+"Dismiss" = "Dispensar";
+
+// MARK: - Shareable Monthly Summary (1.5.0)
+"share_summary_streak_badge" = "%d m";
+"Monthly Summary" = "Resumo mensal";
+"Portfolio Value" = "Valor da carteira";
+"Tracked with" = "Registrado com";
+"Share monthly summary" = "Compartilhar resumo mensal";
+"since last check-in" = "desde o último check-in";
+
+// MARK: - Import Preview (1.5.0)
+"import_preview_nothing" = "Nada novo para importar. Seus dados já estão atualizados.";
+"import_preview_sources" = "Criar %d fontes";
+"import_preview_snapshots_new" = "Criar %d registros";
+"import_preview_snapshots_update" = "Atualizar %d registros";
+"import_preview_categories" = "Criar %d categorias";
+"import_preview_goals" = "Criar %d metas";
+"import_preview_journal_new" = "Criar %d entradas do diário";
+"import_preview_journal_update" = "Atualizar %d entradas do diário";
+"Review Import" = "Revisar importação";
+"Reviewing import…" = "Revisando importação…";
+"Import" = "Importar";
+
+/* 1.6.0 gap auto-fill */
+"gaps_estimated_note" = "Estimado";
+"gaps_autofill_cta" = "Preencher %d meses";
+"Add manually" = "Adicionar manualmente";
+"Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself." = "O preenchimento automático estima os meses faltantes entre dois registros (marcados como estimados). Ou insira os valores reais você mesmo.";
+
+/* 1.6.0 auto-backup */
+"Auto Backup" = "Backup automático";
+"Off" = "Desativado";
+"Daily" = "Diário";
+"Weekly" = "Semanal";
+"Monthly" = "Mensal";
+"Last auto backup" = "Último backup automático";
+
+/* 1.6.0 hide balances */
+"Hide balances" = "Ocultar saldos";
+"Show balances" = "Mostrar saldos";
+"Balance hidden" = "Saldo oculto";
+"Reveal your balances" = "Mostrar seus saldos";
+"Privacy" = "Privacidade";
+"Hide Balances" = "Ocultar saldos";
+"Require Face ID to Reveal" = "Exigir Face ID para mostrar";
+"Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them." = "Oculta todos os valores atrás de um desfoque. Ótimo para usar o app em público ou tirar prints. Opcionalmente, exija Face ID para revelá-los.";
+
+/* 1.6.0 Siri intents */
+"intent_networth_empty" = "Você ainda não registrou nenhum valor de carteira.";
+"intent_networth_dialog" = "Seu patrimônio é %@.";
+"intent_streak" = "Você está em uma sequência de %d meses.";
+"intent_streak_with_date" = "Você está em uma sequência de %d meses. Seu último check-in foi em %@.";
+"intent_streak_none" = "Você ainda não tem uma sequência ativa. Registre um valor para começar uma.";
+
+// Charts workable (1.6.0)
+"chart_range_button" = "Período personalizado";
+"chart_range_from" = "De";
+"chart_range_to" = "Até";
+"chart_filtered_prefix" = "Filtrado: %@";
+"chart_overlay_contributions" = "vs Aportes";
+"chart_insight_best_month" = "Melhor mês do período: %1$@ (%2$@)";
+
+// Share cards 2.0 (1.6.0)
+"share_options_title" = "Compartilhe seu progresso";
+"share_percent_only" = "Apenas porcentagens";
+"share_format_post" = "Post";
+"share_format_story" = "Story";
+"share_card_cta" = "Compartilhar";
+
+// Share cards 2.1 — brand header + download CTA (1.6.0)
+"share_hero_eyebrow" = "Retorno total";
+"share_metric_yoy" = "Este ano";
+"share_metric_since_inception" = "Desde o início";
+"share_cta_headline" = "Acompanhe o seu — grátis";
+"share_cta_sub" = "Escaneie para obter o Portfolio Journal";
+
+// Share cards 2.2 — as-of date + theme (1.6.0)
+"share_as_of" = "Em %@";
+"share_theme_dark" = "Escuro";
+"share_theme_light" = "Claro";
+
+// Activation: first source → first snapshot (1.6.1)
+"add_source_value_header" = "Valor de hoje";
+"add_source_value_footer" = "Salvo como seu primeiro check-in — seu progresso começa hoje.";
+"quick_update_add_first_source" = "Adicionar sua primeira fonte";

PortfolioJournal/Services/AppIntentsSupport.swift

@@ -1,5 +1,6 @@
 import AppIntents
 import Foundation
+import CoreData
 
 // MARK: - App Intents (Siri / Shortcuts / Spotlight)
 //
@@ -117,6 +118,173 @@ struct LogSnapshotIntent: AppIntent {
     }
 }
 
+// MARK: - Net worth / streak (read-only, from the shared App Group store)
+
+/// Reads aggregate portfolio facts from the App Group Core Data store the same
+/// way the widget does: a read-only container over the shared SQLite file. This
+/// lets the intents answer instantly without touching the app's CloudKit stack.
+enum SharedPortfolioReader {
+    private static let storeFileName = "PortfolioJournal.sqlite"
+
+    struct Snapshot {
+        let totalValue: Decimal
+        let currencyCode: String
+        let streak: Int
+        let lastCheckIn: Date?
+    }
+
+    private static func sharedStoreURL() -> URL? {
+        FileManager.default
+            .containerURL(forSecurityApplicationGroupIdentifier: AppConstants.appGroupIdentifier)?
+            .appendingPathComponent(storeFileName)
+    }
+
+    private static func makeContainer() -> NSPersistentContainer? {
+        guard let modelURL = Bundle.main.url(forResource: "PortfolioJournal", withExtension: "momd"),
+              let model = NSManagedObjectModel(contentsOf: modelURL),
+              let storeURL = sharedStoreURL(),
+              FileManager.default.fileExists(atPath: storeURL.path) else {
+            return nil
+        }
+        let container = NSPersistentContainer(name: "PortfolioJournal", managedObjectModel: model)
+        let description = NSPersistentStoreDescription(url: storeURL)
+        description.isReadOnly = true
+        description.shouldMigrateStoreAutomatically = true
+        description.shouldInferMappingModelAutomatically = true
+        container.persistentStoreDescriptions = [description]
+
+        var loadError: Error?
+        container.loadPersistentStores { _, error in loadError = error }
+        return loadError == nil ? container : nil
+    }
+
+    static func read() -> Snapshot {
+        guard let container = makeContainer() else {
+            return Snapshot(totalValue: 0, currencyCode: "EUR", streak: 0, lastCheckIn: nil)
+        }
+        let context = container.viewContext
+        let calendar = Calendar.current
+
+        // Currency
+        var currency = "EUR"
+        let settingsRequest = NSFetchRequest<NSManagedObject>(entityName: "AppSettings")
+        settingsRequest.fetchLimit = 1
+        if let settings = try? context.fetch(settingsRequest).first,
+           let code = settings.value(forKey: "currency") as? String, !code.isEmpty {
+            currency = code
+        }
+
+        // Latest snapshot value per source → total net worth.
+        // Also collect the set of (year, month) that have snapshot data for streak.
+        let snapRequest = NSFetchRequest<NSManagedObject>(entityName: "Snapshot")
+        snapRequest.sortDescriptors = [NSSortDescriptor(key: "date", ascending: true)]
+        let snapshots = (try? context.fetch(snapRequest)) ?? []
+
+        var latestBySource: [NSManagedObjectID: (date: Date, value: Decimal)] = [:]
+        var monthComponents = Set<DateComponents>()
+        for snap in snapshots {
+            guard let source = snap.value(forKey: "source") as? NSManagedObject else { continue }
+            let date = (snap.value(forKey: "date") as? Date) ?? .distantPast
+            let value = (snap.value(forKey: "value") as? NSDecimalNumber)?.decimalValue ?? .zero
+            let key = source.objectID
+            if let existing = latestBySource[key] {
+                if date >= existing.date { latestBySource[key] = (date, value) }
+            } else {
+                latestBySource[key] = (date, value)
+            }
+            let c = calendar.dateComponents([.year, .month], from: date)
+            monthComponents.insert(DateComponents(year: c.year, month: c.month))
+        }
+        let totalValue = latestBySource.values.reduce(Decimal.zero) { $0 + $1.value }
+
+        // Streak: consecutive months with data counting back from most recent.
+        let sortedMonthsDesc = monthComponents
+            .compactMap { calendar.date(from: $0) }
+            .sorted(by: >)
+        var streak = 0
+        if let mostRecent = sortedMonthsDesc.first {
+            streak = 1
+            var current = mostRecent
+            for i in 1..<max(sortedMonthsDesc.count, 1) {
+                guard i < sortedMonthsDesc.count,
+                      let expected = calendar.date(byAdding: .month, value: -1, to: current) else { break }
+                let prev = sortedMonthsDesc[i]
+                let pc = calendar.dateComponents([.year, .month], from: prev)
+                let ec = calendar.dateComponents([.year, .month], from: expected)
+                if pc.year == ec.year && pc.month == ec.month {
+                    streak += 1
+                    current = prev
+                } else { break }
+            }
+        }
+
+        // Last check-in from the most recent completed JournalEntry.
+        let journalRequest = NSFetchRequest<NSManagedObject>(entityName: "JournalEntry")
+        journalRequest.predicate = NSPredicate(format: "completionTime != nil")
+        journalRequest.sortDescriptors = [NSSortDescriptor(key: "completionTime", ascending: false)]
+        journalRequest.fetchLimit = 1
+        let lastCheckIn = (try? context.fetch(journalRequest))?.first?
+            .value(forKey: "completionTime") as? Date
+
+        return Snapshot(totalValue: totalValue, currencyCode: currency, streak: streak, lastCheckIn: lastCheckIn)
+    }
+}
+
+/// "What's my net worth in Portfolio Journal" — reads the total portfolio value
+/// from the shared store and speaks it back. Runs headless (no app launch).
+struct NetWorthIntent: AppIntent {
+    static let title: LocalizedStringResource = "Check Net Worth"
+    // ITMS-90626: intent descriptions must not contain the word "Siri".
+    static let description = IntentDescription("Get your total portfolio value.")
+    static let openAppWhenRun = false
+
+    @MainActor
+    func perform() async throws -> some IntentResult & ProvidesDialog {
+        let snapshot = SharedPortfolioReader.read()
+        let formatter = NumberFormatter()
+        formatter.numberStyle = .currency
+        formatter.currencyCode = snapshot.currencyCode
+        let formatted = formatter.string(from: NSDecimalNumber(decimal: snapshot.totalValue))
+            ?? "\(snapshot.totalValue)"
+
+        let text: String
+        if snapshot.totalValue == 0 {
+            text = String(localized: "intent_networth_empty")
+        } else {
+            text = String(format: String(localized: "intent_networth_dialog"), formatted)
+        }
+        return .result(dialog: IntentDialog(stringLiteral: text))
+    }
+}
+
+/// "What's my streak in Portfolio Journal" — reports the current check-in streak
+/// and when you last logged. Nice-to-have engagement surface. Runs headless.
+struct StreakIntent: AppIntent {
+    static let title: LocalizedStringResource = "Check Streak"
+    // ITMS-90626: intent descriptions must not contain the word "Siri".
+    static let description = IntentDescription("Get your current check-in streak.")
+    static let openAppWhenRun = false
+
+    @MainActor
+    func perform() async throws -> some IntentResult & ProvidesDialog {
+        let snapshot = SharedPortfolioReader.read()
+        let text: String
+        if snapshot.streak >= 1 {
+            if let last = snapshot.lastCheckIn {
+                let df = DateFormatter()
+                df.dateStyle = .medium
+                df.timeStyle = .none
+                text = String(format: String(localized: "intent_streak_with_date"), snapshot.streak, df.string(from: last))
+            } else {
+                text = String(format: String(localized: "intent_streak"), snapshot.streak)
+            }
+        } else {
+            text = String(localized: "intent_streak_none")
+        }
+        return .result(dialog: IntentDialog(stringLiteral: text))
+    }
+}
+
 struct PortfolioJournalShortcuts: AppShortcutsProvider {
     static var appShortcuts: [AppShortcut] {
         AppShortcut(
@@ -147,5 +315,24 @@ struct PortfolioJournalShortcuts: AppShortcutsProvider {
             shortTitle: "Log Value",
             systemImageName: "square.and.pencil"
         )
+        AppShortcut(
+            intent: NetWorthIntent(),
+            phrases: [
+                "What's my net worth in \(.applicationName)",
+                "How much is my portfolio worth in \(.applicationName)",
+                "Get my net worth from \(.applicationName)"
+            ],
+            shortTitle: "Net Worth",
+            systemImageName: "eurosign.circle.fill"
+        )
+        AppShortcut(
+            intent: StreakIntent(),
+            phrases: [
+                "What's my streak in \(.applicationName)",
+                "Check my check-in streak in \(.applicationName)"
+            ],
+            shortTitle: "Streak",
+            systemImageName: "flame.fill"
+        )
     }
 }

PortfolioJournal/Services/AppTips.swift

@@ -0,0 +1,37 @@
+import SwiftUI
+import TipKit
+
+// MARK: - Feature discovery (TipKit, Calm 2.0 Fase 4)
+//
+// The app's most differentiating features (quick update, screenshot OCR, Siri,
+// chart sharing) were invisible unless you stumbled on them. One contextual tip
+// each, shown at most once a day (see Tips.configure in PortfolioJournalApp),
+// auto-invalidated after display or when the action is performed.
+
+struct QuickUpdateTip: Tip {
+    var title: Text { Text(String(localized: "tip_quick_update_title")) }
+    var message: Text? { Text(String(localized: "tip_quick_update_body")) }
+    var image: Image? { Image(systemName: "bolt.circle.fill") }
+    var options: [any TipOption] { [MaxDisplayCount(2)] }
+}
+
+struct ScreenshotOCRTip: Tip {
+    var title: Text { Text(String(localized: "tip_ocr_title")) }
+    var message: Text? { Text(String(localized: "tip_ocr_body")) }
+    var image: Image? { Image(systemName: "text.viewfinder") }
+    var options: [any TipOption] { [MaxDisplayCount(2)] }
+}
+
+struct SiriTip: Tip {
+    var title: Text { Text(String(localized: "tip_siri_title")) }
+    var message: Text? { Text(String(localized: "tip_siri_body")) }
+    var image: Image? { Image(systemName: "mic.fill") }
+    var options: [any TipOption] { [MaxDisplayCount(1)] }
+}
+
+struct ChartShareTip: Tip {
+    var title: Text { Text(String(localized: "tip_chart_share_title")) }
+    var message: Text? { Text(String(localized: "tip_chart_share_body")) }
+    var image: Image? { Image(systemName: "square.and.arrow.up") }
+    var options: [any TipOption] { [MaxDisplayCount(2)] }
+}

PortfolioJournal/Services/BackupService.swift

@@ -85,6 +85,30 @@ class BackupService {
         return records.sorted { $0.date > $1.date }
     }
 
+    /// Runs an automatic backup if auto-backup is enabled and the configured
+    /// interval has elapsed since the last one. Call on app foreground. Reads its
+    /// config from UserDefaults so it needs no coupling to the Settings VM. The
+    /// backup content is the lossless JSON v3 export (goals, contributions, journal).
+    @discardableResult
+    func runScheduledBackupIfNeeded() -> Bool {
+        let d = UserDefaults.standard
+        // `backupsEnabled` is only settable by Premium users, so it also gates this.
+        guard d.bool(forKey: "backupsEnabled") else { return false }
+        let frequencyDays = d.integer(forKey: "autoBackupFrequencyDays")   // 0 = off
+        guard frequencyDays > 0 else { return false }
+
+        if let last = d.object(forKey: "lastAutoBackupDate") as? Date,
+           dateProvider().timeIntervalSince(last) < Double(frequencyDays) * 86_400 {
+            return false
+        }
+
+        let retention = (d.object(forKey: "backupRetentionCount") as? Int) ?? 10
+        let includeICloud = d.bool(forKey: "cloudSyncEnabled")
+        _ = createBackup(retentionCount: retention, includeICloud: includeICloud)
+        d.set(dateProvider(), forKey: "lastAutoBackupDate")
+        return true
+    }
+
     func listAllBackups(includeICloud: Bool) -> [BackupRecord] {
         var records: [BackupRecord] = []
         if let localDir = backupDirectory() {

PortfolioJournal/Services/ExportService.swift

@@ -1,5 +1,6 @@
 import Foundation
 import UIKit
+import CoreData
 
 class ExportService {
     static let shared = ExportService()
@@ -63,7 +64,7 @@ class ExportService {
     ) -> String {
         var exportData: [String: Any] = [:]
         exportData["exportDate"] = ISO8601DateFormatter().string(from: Date())
-        exportData["version"] = 2
+        exportData["version"] = 3
         exportData["currency"] = AppSettings.getOrCreate(in: CoreDataStack.shared.viewContext).currency
 
         let accounts = Dictionary(grouping: sources) { $0.account?.id.uuidString ?? "default" }
@@ -92,14 +93,23 @@ class ExportService {
                     "icon": category?.icon ?? "chart.pie.fill"
                 ]
 
+                if let target = category?.allocationTarget?.doubleValue, target > 0 {
+                    categoryDict["allocationTarget"] = target
+                }
+
                 var sourcesArray: [[String: Any]] = []
                 for source in categorySources {
                     var sourceDict: [String: Any] = [
                         "name": source.name,
                         "isActive": source.isActive,
-                        "notificationFrequency": source.notificationFrequency
+                        "notificationFrequency": source.notificationFrequency,
+                        "customFrequencyMonths": Int(source.customFrequencyMonths)
                     ]
 
+                    if let contribution = source.monthlyContribution {
+                        sourceDict["monthlyContribution"] = contribution.doubleValue
+                    }
+
                     var snapshotsArray: [[String: Any]] = []
                     for snapshot in source.snapshotsArray {
                         var snapshotDict: [String: Any] = [
@@ -134,6 +144,54 @@ class ExportService {
 
         exportData["accounts"] = accountsArray
 
+        // Goals (all accounts)
+        let isoFormatter = ISO8601DateFormatter()
+        let goalContext = CoreDataStack.shared.viewContext
+        let goalRequest: NSFetchRequest<Goal> = Goal.fetchRequest()
+        let allGoals = (try? goalContext.fetch(goalRequest)) ?? []
+        var goalsArray: [[String: Any]] = []
+        for goal in allGoals {
+            var goalDict: [String: Any] = [
+                "name": goal.name,
+                "isActive": goal.isActive,
+                "account": goal.account?.name as Any
+            ]
+            if let amount = goal.targetAmount {
+                goalDict["targetAmount"] = amount.doubleValue
+            }
+            if let date = goal.targetDate {
+                goalDict["targetDate"] = isoFormatter.string(from: date)
+            }
+            goalsArray.append(goalDict)
+        }
+        exportData["goals"] = goalsArray
+
+        // Journal entries (all)
+        let journalRequest: NSFetchRequest<JournalEntry> = JournalEntry.fetchRequest()
+        let allJournalEntries = (try? goalContext.fetch(journalRequest)) ?? []
+        var journalArray: [[String: Any]] = []
+        for entry in allJournalEntries {
+            guard let monthKey = entry.monthKey, !monthKey.isEmpty else { continue }
+            var entryDict: [String: Any] = ["monthKey": monthKey]
+            if let note = entry.note, !note.isEmpty {
+                entryDict["note"] = note
+            }
+            if let mood = entry.moodRaw, !mood.isEmpty {
+                entryDict["mood"] = mood
+            }
+            if entry.rating > 0 {
+                entryDict["rating"] = Int(entry.rating)
+            }
+            if let completionTime = entry.completionTime {
+                entryDict["completionTime"] = isoFormatter.string(from: completionTime)
+            }
+            if let createdAt = entry.createdAt {
+                entryDict["createdAt"] = isoFormatter.string(from: createdAt)
+            }
+            journalArray.append(entryDict)
+        }
+        exportData["journalEntries"] = journalArray
+
         // Add summary
         let totalValue = sources.reduce(Decimal.zero) { $0 + $1.latestValue }
         exportData["summary"] = [

PortfolioJournal/Services/ImportService.swift

@@ -31,6 +31,25 @@ class ImportService {
         case json
     }
 
+    /// Read-only summary of what an import WOULD do, computed against existing
+    /// data without mutating anything. Presented to the user for confirmation
+    /// before the real import runs.
+    struct ImportPreview {
+        var sourcesToCreate: Int = 0
+        var snapshotsToCreate: Int = 0
+        var snapshotsToUpdate: Int = 0
+        var categoriesToCreate: Int = 0
+        var goalsToCreate: Int = 0
+        var journalToCreate: Int = 0
+        var journalToUpdate: Int = 0
+
+        var hasAnything: Bool {
+            sourcesToCreate > 0 || snapshotsToCreate > 0 || snapshotsToUpdate > 0 ||
+            categoriesToCreate > 0 || goalsToCreate > 0 ||
+            journalToCreate > 0 || journalToUpdate > 0
+        }
+    }
+
     struct ImportedAccount {
         let name: String
         let currency: String?
@@ -44,11 +63,14 @@ class ImportService {
         let name: String
         let colorHex: String?
         let icon: String?
+        let allocationTarget: Double?
         let sources: [ImportedSource]
     }
 
     struct ImportedSource {
         let name: String
+        let monthlyContribution: Decimal?
+        let customFrequencyMonths: Int?
         let snapshots: [ImportedSnapshot]
     }
 
@@ -59,6 +81,23 @@ class ImportService {
         let notes: String?
     }
 
+    struct ImportedGoal {
+        let name: String
+        let targetAmount: Decimal?
+        let targetDate: Date?
+        let isActive: Bool
+        let accountName: String?
+    }
+
+    struct ImportedJournalEntry {
+        let monthKey: String
+        let note: String?
+        let mood: String?
+        let rating: Int?
+        let completionTime: Date?
+        let createdAt: Date?
+    }
+
     func importData(
         content: String,
         format: ImportFormat,
@@ -79,7 +118,14 @@ class ImportService {
                 allowMultipleAccounts: allowMultipleAccounts,
                 defaultAccountName: defaultAccountName
             )
-            return applyImport(parsed, context: CoreDataStack.shared.viewContext)
+            let goals = parseGoals(content)
+            let journal = parseJournal(content)
+            return applyImport(
+                parsed,
+                context: CoreDataStack.shared.viewContext,
+                goals: goals,
+                journal: journal
+            )
         }
     }
 
@@ -93,6 +139,8 @@ class ImportService {
         await withCheckedContinuation { continuation in
             CoreDataStack.shared.performBackgroundTask { context in
                 let parsed: [ImportedAccount]
+                var goals: [ImportedGoal] = []
+                var journal: [ImportedJournalEntry] = []
                 switch format {
                 case .csv:
                     parsed = self.parseCSV(
@@ -106,6 +154,8 @@ class ImportService {
                         allowMultipleAccounts: allowMultipleAccounts,
                         defaultAccountName: defaultAccountName
                     )
+                    goals = self.parseGoals(content)
+                    journal = self.parseJournal(content)
                 }
 
                 let totalSnapshots = parsed.reduce(0) { total, account in
@@ -120,7 +170,12 @@ class ImportService {
                     progress(ImportProgress(completed: 0, total: totalSnapshots, message: "Importing data"))
                 }
 
-                let result = self.applyImport(parsed, context: context) { completed in
+                let result = self.applyImport(
+                    parsed,
+                    context: context,
+                    goals: goals,
+                    journal: journal
+                ) { completed in
                     DispatchQueue.main.async {
                         progress(ImportProgress(
                             completed: completed,
@@ -147,7 +202,7 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
     static func sampleJSON() -> String {
         return """
 {
-  "version": 2,
+  "version": 3,
   "currency": "EUR",
   "accounts": [{
     "name": "Personal",
@@ -171,6 +226,203 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
 """
     }
 
+    // MARK: - Dry-Run Preview (read-only)
+
+    /// Parses the content and counts what an import WOULD do against existing
+    /// data, WITHOUT mutating anything. Uses the same parse functions and the
+    /// same existence checks as `applyImport`, but only reads.
+    func previewImportAsync(
+        content: String,
+        format: ImportFormat,
+        allowMultipleAccounts: Bool,
+        defaultAccountName: String? = nil
+    ) async -> ImportPreview {
+        await withCheckedContinuation { continuation in
+            CoreDataStack.shared.performBackgroundTask { context in
+                let parsed: [ImportedAccount]
+                var goals: [ImportedGoal] = []
+                var journal: [ImportedJournalEntry] = []
+                switch format {
+                case .csv:
+                    parsed = self.parseCSV(
+                        content,
+                        allowMultipleAccounts: allowMultipleAccounts,
+                        defaultAccountName: defaultAccountName
+                    )
+                case .json:
+                    parsed = self.parseJSON(
+                        content,
+                        allowMultipleAccounts: allowMultipleAccounts,
+                        defaultAccountName: defaultAccountName
+                    )
+                    goals = self.parseGoals(content)
+                    journal = self.parseJournal(content)
+                }
+                let preview = self.computePreview(
+                    accounts: parsed,
+                    goals: goals,
+                    journal: journal,
+                    context: context
+                )
+                continuation.resume(returning: preview)
+            }
+        }
+    }
+
+    /// Dry-run for the CSV column-mapping flow.
+    func previewCSVWithMappingAsync(
+        content: String,
+        mapping: CSVMappingConfig,
+        defaultAccountName: String?
+    ) async -> ImportPreview {
+        await withCheckedContinuation { continuation in
+            CoreDataStack.shared.performBackgroundTask { context in
+                let preview = self.previewCSV(content)
+                let accounts = self.parseCSVWithMapping(
+                    preview: preview,
+                    mapping: mapping,
+                    defaultAccountName: defaultAccountName
+                )
+                let result = self.computePreview(
+                    accounts: accounts,
+                    goals: [],
+                    journal: [],
+                    context: context
+                )
+                continuation.resume(returning: result)
+            }
+        }
+    }
+
+    /// Read-only counting pass. Mirrors the existence checks in `applyImport`
+    /// (same source name+account, same-day snapshot, category name, goal
+    /// name+account, journal monthKey) but never writes. Because it never
+    /// saves, it may not perfectly disambiguate multiple new sources/categories
+    /// that collapse to the same name within one import; it errs toward the
+    /// user-facing counts `applyImport` would produce for typical files.
+    private func computePreview(
+        accounts: [ImportedAccount],
+        goals: [ImportedGoal],
+        journal: [ImportedJournalEntry],
+        context: NSManagedObjectContext
+    ) -> ImportPreview {
+        var preview = ImportPreview()
+
+        let existingCategories = fetchCategories(in: context)
+        let categoryLookup = buildCategoryLookup(from: existingCategories)
+        let existingAccountsLookup = fetchAccountsLookup(in: context)
+
+        // Track names we would create so duplicates within the same import file
+        // aren't double-counted.
+        var plannedCategoryKeys = Set<String>()
+        var plannedSourceKeys = Set<String>()          // "accountName|sourceName"
+        var accountsByName: [String: Account] = existingAccountsLookup
+
+        // "Other" is created on demand by applyImport when a source has no
+        // resolvable category; only count it if we actually need it.
+        var otherCategoryNeeded = false
+        let otherExists = resolveExistingCategory(named: "Other", lookup: categoryLookup) != nil
+
+        for importedAccount in accounts {
+            let account = existingAccountsLookup[importedAccount.name]
+            accountsByName[importedAccount.name] = account
+
+            for importedCategory in importedAccount.categories {
+                let existingCategory = resolveExistingCategory(
+                    named: importedCategory.name,
+                    lookup: categoryLookup
+                )
+                let shouldUseOther = existingCategory == nil &&
+                    importedCategory.colorHex == nil &&
+                    importedCategory.icon == nil
+
+                if existingCategory == nil {
+                    if shouldUseOther {
+                        otherCategoryNeeded = otherCategoryNeeded || !otherExists
+                    } else {
+                        let key = normalizedCategoryName(
+                            canonicalCategoryName(for: importedCategory.name) ?? importedCategory.name
+                        )
+                        if !plannedCategoryKeys.contains(key) {
+                            plannedCategoryKeys.insert(key)
+                            preview.categoriesToCreate += 1
+                        }
+                    }
+                }
+
+                for importedSource in importedCategory.sources {
+                    let accountId = account?.safeId
+                    let existingSource = fetchSource(
+                        named: importedSource.name,
+                        accountId: accountId,
+                        in: context
+                    )
+                    let sourceKey = "\(importedAccount.name)|\(importedSource.name)"
+                    if existingSource == nil, !plannedSourceKeys.contains(sourceKey) {
+                        plannedSourceKeys.insert(sourceKey)
+                        preview.sourcesToCreate += 1
+                    }
+
+                    for snapshot in importedSource.snapshots {
+                        // Only an EXISTING source can have a same-day snapshot to update.
+                        if let existing = existingSource,
+                           fetchSnapshot(for: existing, date: snapshot.date, in: context) != nil {
+                            preview.snapshotsToUpdate += 1
+                        } else {
+                            preview.snapshotsToCreate += 1
+                        }
+                    }
+                }
+            }
+        }
+
+        if otherCategoryNeeded {
+            preview.categoriesToCreate += 1
+        }
+
+        // Goals — dedup by name within account (case-insensitive), same as applyImport.
+        var plannedGoalKeys = Set<String>()
+        for importedGoal in goals {
+            let trimmedName = importedGoal.name.trimmingCharacters(in: .whitespacesAndNewlines)
+            guard !trimmedName.isEmpty, importedGoal.targetAmount != nil else { continue }
+            let resolvedAccount = importedGoal.accountName.flatMap { accountsByName[$0] }
+            if fetchGoal(named: trimmedName, account: resolvedAccount, in: context) == nil {
+                let key = "\(trimmedName.lowercased())|\(resolvedAccount?.name ?? "")"
+                if !plannedGoalKeys.contains(key) {
+                    plannedGoalKeys.insert(key)
+                    preview.goalsToCreate += 1
+                }
+            }
+        }
+
+        // Journal — dedup by monthKey, same as applyImport.
+        var plannedJournalKeys = Set<String>()
+        for importedEntry in journal {
+            guard !plannedJournalKeys.contains(importedEntry.monthKey) else { continue }
+            plannedJournalKeys.insert(importedEntry.monthKey)
+            if fetchJournalEntry(monthKey: importedEntry.monthKey, in: context) != nil {
+                preview.journalToUpdate += 1
+            } else {
+                preview.journalToCreate += 1
+            }
+        }
+
+        return preview
+    }
+
+    /// Read-only fetch of an existing source by name within an account (or with
+    /// no account). Mirrors applyImport's `name && account?.id` match.
+    private func fetchSource(
+        named name: String,
+        accountId: UUID?,
+        in context: NSManagedObjectContext
+    ) -> InvestmentSource? {
+        let request: NSFetchRequest<InvestmentSource> = InvestmentSource.fetchRequest()
+        request.predicate = NSPredicate(format: "name == %@", name)
+        let matches = (try? context.fetch(request)) ?? []
+        return matches.first { $0.account?.id == accountId }
+    }
+
     // MARK: - Parsing
 
     private func parseCSV(
@@ -230,9 +482,20 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
         return grouped.map { accountName, categories in
             let importedCategories = categories.map { categoryName, sources in
                 let importedSources = sources.map { sourceName, snapshots in
-                    ImportedSource(name: sourceName, snapshots: snapshots)
+                    ImportedSource(
+                        name: sourceName,
+                        monthlyContribution: nil,
+                        customFrequencyMonths: nil,
+                        snapshots: snapshots
+                    )
                 }
-                return ImportedCategory(name: categoryName, colorHex: nil, icon: nil, sources: importedSources)
+                return ImportedCategory(
+                    name: categoryName,
+                    colorHex: nil,
+                    icon: nil,
+                    allocationTarget: nil,
+                    sources: importedSources
+                )
             }
 
             return ImportedAccount(
@@ -274,9 +537,12 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                     let categoryName = categoryDict["name"] as? String ?? "Uncategorized"
                     let colorHex = categoryDict["color"] as? String
                     let icon = categoryDict["icon"] as? String
+                    let allocationTarget = categoryDict["allocationTarget"] as? Double
                     let sourcesArray = categoryDict["sources"] as? [[String: Any]] ?? []
                     let sources = sourcesArray.map { sourceDict in
                         let sourceName = sourceDict["name"] as? String ?? "Source"
+                        let monthlyContribution = (sourceDict["monthlyContribution"] as? Double).map { Decimal($0) }
+                        let customFrequencyMonths = sourceDict["customFrequencyMonths"] as? Int
                         let snapshotsArray = sourceDict["snapshots"] as? [[String: Any]] ?? []
                         let snapshots = snapshotsArray.compactMap { snapshotDict -> ImportedSnapshot? in
                             guard let dateString = snapshotDict["date"] as? String,
@@ -295,13 +561,19 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                             )
                         }
 
-                        return ImportedSource(name: sourceName, snapshots: snapshots)
+                        return ImportedSource(
+                            name: sourceName,
+                            monthlyContribution: monthlyContribution,
+                            customFrequencyMonths: customFrequencyMonths,
+                            snapshots: snapshots
+                        )
                     }
 
                     return ImportedCategory(
                         name: categoryName,
                         colorHex: colorHex,
                         icon: icon,
+                        allocationTarget: allocationTarget,
                         sources: sources
                     )
                 }
@@ -344,13 +616,19 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                         )
                     }
 
-                    return ImportedSource(name: sourceName, snapshots: snapshots)
+                    return ImportedSource(
+                        name: sourceName,
+                        monthlyContribution: nil,
+                        customFrequencyMonths: nil,
+                        snapshots: snapshots
+                    )
                 }
 
                 return ImportedCategory(
                     name: categoryName,
                     colorHex: colorHex,
                     icon: icon,
+                    allocationTarget: nil,
                     sources: sources
                 )
             }
@@ -371,11 +649,70 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
         return []
     }
 
+    private func parseGoals(_ content: String) -> [ImportedGoal] {
+        guard let data = content.data(using: .utf8),
+              let json = try? JSONSerialization.jsonObject(with: data) as? [String: Any],
+              let goalsArray = json["goals"] as? [[String: Any]] else {
+            return []
+        }
+
+        return goalsArray.compactMap { goalDict -> ImportedGoal? in
+            guard let name = goalDict["name"] as? String,
+                  !name.trimmingCharacters(in: .whitespacesAndNewlines).isEmpty else {
+                return nil
+            }
+            let targetAmount = (goalDict["targetAmount"] as? Double).map { Decimal($0) }
+            let targetDate = (goalDict["targetDate"] as? String)
+                .flatMap { ISO8601DateFormatter().date(from: $0) }
+            let isActive = goalDict["isActive"] as? Bool ?? true
+            let accountName = goalDict["account"] as? String
+            return ImportedGoal(
+                name: name,
+                targetAmount: targetAmount,
+                targetDate: targetDate,
+                isActive: isActive,
+                accountName: accountName
+            )
+        }
+    }
+
+    private func parseJournal(_ content: String) -> [ImportedJournalEntry] {
+        guard let data = content.data(using: .utf8),
+              let json = try? JSONSerialization.jsonObject(with: data) as? [String: Any],
+              let journalArray = json["journalEntries"] as? [[String: Any]] else {
+            return []
+        }
+
+        return journalArray.compactMap { entryDict -> ImportedJournalEntry? in
+            guard let monthKey = entryDict["monthKey"] as? String,
+                  !monthKey.isEmpty else {
+                return nil
+            }
+            let note = entryDict["note"] as? String
+            let mood = entryDict["mood"] as? String
+            let rating = entryDict["rating"] as? Int
+            let completionTime = (entryDict["completionTime"] as? String)
+                .flatMap { ISO8601DateFormatter().date(from: $0) }
+            let createdAt = (entryDict["createdAt"] as? String)
+                .flatMap { ISO8601DateFormatter().date(from: $0) }
+            return ImportedJournalEntry(
+                monthKey: monthKey,
+                note: note,
+                mood: mood,
+                rating: rating,
+                completionTime: completionTime,
+                createdAt: createdAt
+            )
+        }
+    }
+
     // MARK: - Apply Import
 
     private func applyImport(
         _ accounts: [ImportedAccount],
         context: NSManagedObjectContext,
+        goals: [ImportedGoal] = [],
+        journal: [ImportedJournalEntry] = [],
         snapshotProgress: ((Int) -> Void)? = nil
     ) -> ImportResult {
         let accountRepository = AccountRepository(context: context)
@@ -383,6 +720,15 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
         let sourceRepository = InvestmentSourceRepository(context: context)
         let snapshotRepository = SnapshotRepository(context: context)
 
+        // Batch import: suppress the per-row widget refresh (each does a synchronous
+        // WAL checkpoint on the main context) to avoid hanging the main thread on
+        // large imports. Refresh once when everything is done.
+        CoreDataStack.shared.suppressWidgetRefresh = true
+        defer {
+            CoreDataStack.shared.suppressWidgetRefresh = false
+            CoreDataStack.shared.refreshWidgetData()
+        }
+
         var accountsCreated = 0
         var sourcesCreated = 0
         var snapshotsCreated = 0
@@ -404,6 +750,8 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
         // Build lookup of existing accounts by fetching directly from database
         let existingAccountsLookup = fetchAccountsLookup(in: context)
 
+        var accountsByName: [String: Account] = existingAccountsLookup
+
         for importedAccount in accounts {
             let existingAccount = existingAccountsLookup[importedAccount.name]
             let account: Account
@@ -419,6 +767,7 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                 )
                 accountsCreated += 1
             }
+            accountsByName[importedAccount.name] = account
 
             for importedCategory in importedAccount.categories {
                 let existingCategory = resolveExistingCategory(
@@ -438,6 +787,10 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                     ))
                 categoryLookup[normalizedCategoryName(category.name)] = category
 
+                if let allocationTarget = importedCategory.allocationTarget {
+                    category.allocationTarget = NSNumber(value: allocationTarget)
+                }
+
                 for importedSource in importedCategory.sources {
                     let accountId = account.safeId
                     let existingSource = sourceRepository.sources.first(where: {
@@ -454,6 +807,13 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                         sourcesCreated += 1
                     }
 
+                    if let monthlyContribution = importedSource.monthlyContribution {
+                        source.monthlyContribution = NSDecimalNumber(decimal: monthlyContribution)
+                    }
+                    if let customFrequencyMonths = importedSource.customFrequencyMonths {
+                        source.customFrequencyMonths = Int16(customFrequencyMonths)
+                    }
+
                     for snapshot in importedSource.snapshots {
                         // Check if a snapshot with the same date already exists for this source
                         let existingSnapshot = fetchSnapshot(for: source, date: snapshot.date, in: context)
@@ -475,7 +835,8 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
                                 date: snapshot.date,
                                 value: snapshot.value,
                                 contribution: snapshot.contribution,
-                                notes: snapshot.notes
+                                notes: snapshot.notes,
+                                batch: true
                             )
                             snapshotsCreated += 1
                         }
@@ -494,6 +855,47 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
             }
         }
 
+        // Goals: create directly on the background context. Dedup by name within
+        // the same account (case-insensitive), mirroring GoalRepository behaviour.
+        for importedGoal in goals {
+            let trimmedName = importedGoal.name.trimmingCharacters(in: .whitespacesAndNewlines)
+            guard !trimmedName.isEmpty else { continue }
+            guard let targetAmount = importedGoal.targetAmount else { continue }
+
+            let resolvedAccount = importedGoal.accountName.flatMap { accountsByName[$0] }
+            if fetchGoal(named: trimmedName, account: resolvedAccount, in: context) == nil {
+                let goal = Goal(context: context)
+                goal.name = trimmedName
+                goal.targetAmount = NSDecimalNumber(decimal: targetAmount)
+                goal.targetDate = importedGoal.targetDate
+                goal.account = resolvedAccount
+                goal.isActive = importedGoal.isActive
+            }
+        }
+
+        // Journal entries: create directly on the background context. Dedup by
+        // monthKey; update fields when an entry already exists.
+        for importedEntry in journal {
+            let entry = fetchJournalEntry(monthKey: importedEntry.monthKey, in: context)
+                ?? JournalEntry(context: context)
+            entry.monthKey = importedEntry.monthKey
+            if let note = importedEntry.note, !note.isEmpty {
+                entry.note = note
+            }
+            if let mood = importedEntry.mood, !mood.isEmpty {
+                entry.moodRaw = mood
+            }
+            if let rating = importedEntry.rating {
+                entry.rating = Int16(rating)
+            }
+            if let completionTime = importedEntry.completionTime {
+                entry.completionTime = completionTime
+            }
+            if let createdAt = importedEntry.createdAt {
+                entry.createdAt = createdAt
+            }
+        }
+
         if context.hasChanges {
             do {
                 try context.save()
@@ -502,12 +904,26 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
             }
         }
 
-        if !completionDatesByMonth.isEmpty {
-            for (monthKey, completionDate) in completionDatesByMonth {
+        // Snapshot-derived completion marking is a FALLBACK for imports that carry no
+        // journal (CSV, or JSON without journalEntries): it marks months that have
+        // snapshots as "checked in" so the Home card looks right. When the import DOES
+        // bring journal entries, they already carry their real completionTime and were
+        // created on the background context above — running setCompletionDate here (on
+        // viewContext, which hasn't merged those yet) would create DUPLICATE
+        // JournalEntry rows for the same month. So skip it when journal was imported.
+        if journal.isEmpty, !completionDatesByMonth.isEmpty {
+            // MonthlyCheckInStore mutates CoreDataStack.shared.viewContext (main queue).
+            // applyImport runs on a BACKGROUND context, so calling setCompletionDate
+            // here directly was a Core Data concurrency violation → the imported months'
+            // JournalEntry.completionTime never persisted, leaving the "next check-in"
+            // stuck on an old entry. Run it on the viewContext's own queue.
+            CoreDataStack.shared.viewContext.performAndWait {
                 let formatter = DateFormatter()
                 formatter.dateFormat = "yyyy-MM"
-                if let monthDate = formatter.date(from: monthKey) {
-                    MonthlyCheckInStore.setCompletionDate(completionDate, for: monthDate)
+                for (monthKey, completionDate) in completionDatesByMonth {
+                    if let monthDate = formatter.date(from: monthKey) {
+                        MonthlyCheckInStore.setCompletionDate(completionDate, for: monthDate)
+                    }
                 }
             }
         }
@@ -586,6 +1002,37 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
         return try? context.fetch(request).first
     }
 
+    /// Fetch an existing goal by name (case-insensitive) within the same account.
+    private func fetchGoal(
+        named name: String,
+        account: Account?,
+        in context: NSManagedObjectContext
+    ) -> Goal? {
+        let request: NSFetchRequest<Goal> = Goal.fetchRequest()
+        if let account = account {
+            request.predicate = NSPredicate(
+                format: "name ==[c] %@ AND account == %@", name, account
+            )
+        } else {
+            request.predicate = NSPredicate(
+                format: "name ==[c] %@ AND account == nil", name
+            )
+        }
+        request.fetchLimit = 1
+        return try? context.fetch(request).first
+    }
+
+    /// Fetch an existing journal entry by monthKey.
+    private func fetchJournalEntry(
+        monthKey: String,
+        in context: NSManagedObjectContext
+    ) -> JournalEntry? {
+        let request: NSFetchRequest<JournalEntry> = JournalEntry.fetchRequest()
+        request.predicate = NSPredicate(format: "monthKey == %@", monthKey)
+        request.fetchLimit = 1
+        return try? context.fetch(request).first
+    }
+
     private func canonicalCategoryName(for rawName: String) -> String? {
         let normalized = normalizedCategoryName(rawName)
         for mapping in categoryAliasMappings {
@@ -818,9 +1265,20 @@ Personal,Real Estate,Rental Property,2024-01-01,82000,80000,Estimated value
         return grouped.map { accountName, categories in
             let importedCategories = categories.map { categoryName, sources in
                 let importedSources = sources.map { sourceName, snapshots in
-                    ImportedSource(name: sourceName, snapshots: snapshots)
+                    ImportedSource(
+                        name: sourceName,
+                        monthlyContribution: nil,
+                        customFrequencyMonths: nil,
+                        snapshots: snapshots
+                    )
                 }
-                return ImportedCategory(name: categoryName, colorHex: nil, icon: nil, sources: importedSources)
+                return ImportedCategory(
+                    name: categoryName,
+                    colorHex: nil,
+                    icon: nil,
+                    allocationTarget: nil,
+                    sources: importedSources
+                )
             }
             return ImportedAccount(
                 name: accountName,

PortfolioJournal/Services/InsightsEngine.swift

@@ -0,0 +1,241 @@
+import SwiftUI
+
+/// On-device, privacy-friendly rule-based insights engine.
+///
+/// Produces a prioritized list of `PortfolioInsight`s purely from local data —
+/// no network, no AI calls. The `DashboardViewModel` gathers the inputs from
+/// Core Data and passes them in; this keeps the rules pure and testable.
+enum InsightsEngine {
+
+    /// One category's allocation snapshot for the allocation-vs-target rule.
+    struct CategorySlice {
+        let name: String
+        let percentageOfPortfolio: Double
+        /// User's target allocation percentage, if set.
+        let targetPercentage: Double?
+        /// Trailing return percentage over the analysed window, if computable.
+        let returnPercentage: Double?
+    }
+
+    /// One source's weight for the concentration-risk rule.
+    struct SourceSlice {
+        let name: String
+        let percentageOfPortfolio: Double
+    }
+
+    struct Input {
+        let totalValue: Decimal
+        let categories: [CategorySlice]
+        let sources: [SourceSlice]
+        /// Number of categories that actually hold value.
+        let fundedCategoryCount: Int
+        /// Number of sources that actually hold value.
+        let fundedSourceCount: Int
+        let yearChangePercentage: Double
+        let allTimeReturn: Decimal
+        let updateStreak: Int
+        let forecast: PortfolioForecast?
+    }
+
+    // Thresholds
+    private static let concentrationThreshold = 0.40      // one source > 40% of portfolio
+    private static let allocationDriftThreshold = 5.0     // > 5 percentage points off target
+    private static let milestoneNearThreshold = 0.90      // within 10% of next milestone
+
+    static func makeInsights(_ input: Input, limit: Int = 4) -> [PortfolioInsight] {
+        guard input.totalValue > 0 else { return [] }
+        var result: [PortfolioInsight] = []
+
+        result.append(contentsOf: milestoneInsight(input))
+        result.append(contentsOf: allocationDriftInsight(input))
+        result.append(contentsOf: concentrationInsight(input))
+        result.append(contentsOf: performerInsights(input))
+        result.append(contentsOf: diversificationInsight(input))
+        result.append(contentsOf: streakInsight(input))
+        result.append(contentsOf: ytdInsight(input))
+        result.append(contentsOf: marketGainsInsight(input))
+        result.append(contentsOf: forecastInsight(input))
+
+        // Prioritize: attention first, then positive, then neutral; stable within tone.
+        let sorted = result.enumerated().sorted { lhs, rhs in
+            if lhs.element.tone.priority != rhs.element.tone.priority {
+                return lhs.element.tone.priority > rhs.element.tone.priority
+            }
+            return lhs.offset < rhs.offset
+        }.map(\.element)
+
+        return Array(sorted.prefix(limit))
+    }
+
+    // MARK: - Rules
+
+    private static func milestoneInsight(_ input: Input) -> [PortfolioInsight] {
+        let milestones: [Decimal] = [1000, 2500, 5000, 10000, 25000, 50000,
+                                      100000, 250000, 500000, 1_000_000,
+                                      2_500_000, 5_000_000, 10_000_000]
+        guard let next = milestones.first(where: { $0 > input.totalValue }) else { return [] }
+        let pct = NSDecimalNumber(decimal: input.totalValue / next).doubleValue
+        guard pct >= milestoneNearThreshold else { return [] }
+        let gap = next - input.totalValue
+        let gapStr = CurrencyFormatter.format(gap, style: .currency, maximumFractionDigits: 0)
+        let msStr = CurrencyFormatter.format(next, style: .currency, maximumFractionDigits: 0)
+        return [PortfolioInsight(
+            id: "milestone",
+            systemImage: "flag.checkered",
+            title: String(localized: "insight_milestone_title"),
+            value: String(format: String(localized: "insight_milestone_value"), gapStr, msStr),
+            accentColor: .orange,
+            tone: .positive
+        )]
+    }
+
+    private static func allocationDriftInsight(_ input: Input) -> [PortfolioInsight] {
+        // Pick the category most off its target (over or under).
+        let drifts = input.categories.compactMap { cat -> (CategorySlice, Double)? in
+            guard let target = cat.targetPercentage, target > 0 else { return nil }
+            return (cat, cat.percentageOfPortfolio - target)
+        }
+        guard let (cat, drift) = drifts.max(by: { abs($0.1) < abs($1.1) }),
+              abs(drift) >= allocationDriftThreshold,
+              let target = cat.targetPercentage else { return [] }
+
+        let over = drift > 0
+        let value = String(
+            format: String(localized: over ? "insight_allocation_over_value" : "insight_allocation_under_value"),
+            cat.name,
+            cat.percentageOfPortfolio,
+            target
+        )
+        return [PortfolioInsight(
+            id: "allocation_\(cat.name)",
+            systemImage: over ? "arrow.up.forward.circle.fill" : "arrow.down.forward.circle.fill",
+            title: String(localized: "insight_allocation_title"),
+            value: value,
+            accentColor: .appWarning,
+            detail: String(localized: "insight_allocation_detail"),
+            tone: .attention
+        )]
+    }
+
+    private static func concentrationInsight(_ input: Input) -> [PortfolioInsight] {
+        guard let top = input.sources.max(by: { $0.percentageOfPortfolio < $1.percentageOfPortfolio }),
+              top.percentageOfPortfolio >= concentrationThreshold * 100,
+              input.fundedSourceCount >= 2 else { return [] }
+        return [PortfolioInsight(
+            id: "concentration",
+            systemImage: "exclamationmark.triangle.fill",
+            title: String(localized: "insight_concentration_title"),
+            value: String(format: String(localized: "insight_concentration_value"), top.name, top.percentageOfPortfolio),
+            accentColor: .appWarning,
+            detail: String(localized: "insight_concentration_detail"),
+            tone: .attention
+        )]
+    }
+
+    private static func performerInsights(_ input: Input) -> [PortfolioInsight] {
+        let ranked = input.categories.compactMap { cat -> (CategorySlice, Double)? in
+            guard let ret = cat.returnPercentage else { return nil }
+            return (cat, ret)
+        }
+        guard ranked.count >= 2 else { return [] }
+        var out: [PortfolioInsight] = []
+
+        if let best = ranked.max(by: { $0.1 < $1.1 }), best.1 > 0 {
+            out.append(PortfolioInsight(
+                id: "best_performer",
+                systemImage: "trophy.fill",
+                title: String(localized: "insight_best_performer_title"),
+                value: String(format: String(localized: "insight_performer_value"), best.0.name, best.1),
+                accentColor: .positiveGreen,
+                tone: .positive
+            ))
+        }
+        if let worst = ranked.min(by: { $0.1 < $1.1 }), worst.1 < 0 {
+            out.append(PortfolioInsight(
+                id: "worst_performer",
+                systemImage: "chart.line.downtrend.xyaxis",
+                title: String(localized: "insight_worst_performer_title"),
+                value: String(format: String(localized: "insight_performer_value"), worst.0.name, worst.1),
+                accentColor: .negativeRed,
+                tone: .attention
+            ))
+        }
+        return out
+    }
+
+    private static func diversificationInsight(_ input: Input) -> [PortfolioInsight] {
+        // Encourage diversification only when the portfolio is thin.
+        if input.fundedSourceCount == 1 {
+            return [PortfolioInsight(
+                id: "diversification",
+                systemImage: "square.grid.2x2",
+                title: String(localized: "insight_diversification_title"),
+                value: String(localized: "insight_diversification_single_value"),
+                accentColor: .appPrimary,
+                tone: .neutral
+            )]
+        }
+        if input.fundedCategoryCount >= 4 {
+            return [PortfolioInsight(
+                id: "diversification",
+                systemImage: "square.grid.2x2.fill",
+                title: String(localized: "insight_diversification_title"),
+                value: String(format: String(localized: "insight_diversification_good_value"), input.fundedCategoryCount),
+                accentColor: .positiveGreen,
+                tone: .positive
+            )]
+        }
+        return []
+    }
+
+    private static func streakInsight(_ input: Input) -> [PortfolioInsight] {
+        guard input.updateStreak >= 3 else { return [] }
+        return [PortfolioInsight(
+            id: "streak",
+            systemImage: "flame.fill",
+            title: String(localized: "insight_streak_title"),
+            value: String(format: String(localized: "insight_streak_value"), input.updateStreak),
+            accentColor: .orange,
+            tone: .positive
+        )]
+    }
+
+    private static func ytdInsight(_ input: Input) -> [PortfolioInsight] {
+        let ytd = input.yearChangePercentage
+        guard abs(ytd) >= 0.1 else { return [] }
+        let icon = ytd >= 0 ? "arrow.up.right.circle.fill" : "arrow.down.right.circle.fill"
+        return [PortfolioInsight(
+            id: "ytd",
+            systemImage: icon,
+            title: String(localized: "insight_ytd_title"),
+            value: String(format: "%+.1f%%", ytd),
+            accentColor: ytd >= 0 ? .positiveGreen : .negativeRed,
+            tone: ytd >= 0 ? .positive : .neutral
+        )]
+    }
+
+    private static func marketGainsInsight(_ input: Input) -> [PortfolioInsight] {
+        guard input.allTimeReturn > 0 else { return [] }
+        let gainStr = CurrencyFormatter.format(input.allTimeReturn, style: .currency, maximumFractionDigits: 0)
+        return [PortfolioInsight(
+            id: "market_gains",
+            systemImage: "chart.line.uptrend.xyaxis",
+            title: String(localized: "insight_market_gains_title"),
+            value: String(format: String(localized: "insight_market_gains_value"), gainStr),
+            accentColor: .appPrimary,
+            tone: .positive
+        )]
+    }
+
+    private static func forecastInsight(_ input: Input) -> [PortfolioInsight] {
+        guard let forecast = input.forecast, forecast.forecastValue > input.totalValue else { return [] }
+        return [PortfolioInsight(
+            id: "forecast",
+            systemImage: "wand.and.stars",
+            title: String(localized: "insight_forecast_title"),
+            value: "\(forecast.formattedForecastValue) · \(forecast.formattedForecastDate)",
+            accentColor: .purple,
+            tone: .neutral
+        )]
+    }
+}

PortfolioJournal/Services/NotificationService.swift

@@ -1,5 +1,6 @@
 import Foundation
 import Combine
+import CoreData
 import UserNotifications
 import UIKit
 
@@ -192,6 +193,7 @@ extension Notification.Name {
     static let openBatchUpdate = Notification.Name("openBatchUpdate")
     static let openDashboard = Notification.Name("openDashboard")
     static let openQuickUpdate = Notification.Name("openQuickUpdate")
+    static let openAddFirstSource = Notification.Name("openAddFirstSource")
 }
 
 // MARK: - Re-engagement Notifications
@@ -199,15 +201,28 @@ extension Notification.Name {
 extension NotificationService {
     /// Schedules a re-engagement notification 7 days from now.
     /// Call this every time the app becomes active to reset the timer.
+    ///
+    /// Instead of a fixed generic message, the body is built from the user's real
+    /// KPIs (goal ETA, YoY, monthly gain, milestone proximity, update streak) to
+    /// spark curiosity. Among the hooks that currently apply we rotate one per call
+    /// so the copy stays fresh instead of repeating the same line every week.
     func scheduleReEngagementNotification() {
         guard isAuthorized else { return }
 
         center.removePendingNotificationRequests(withIdentifiers: ["re_engagement"])
 
         let content = UNMutableNotificationContent()
-        content.title = String(localized: "reengagement_title")
-        content.body = String(localized: "reengagement_body")
+        let hooks = buildReEngagementHooks()
+        if let hook = hooks.isEmpty ? nil : hooks[nextReEngagementRotationIndex(count: hooks.count)] {
+            content.title = hook.title
+            content.body = hook.body
+        } else {
+            // No data yet (brand-new / empty portfolio) → generic fallback.
+            content.title = String(localized: "reengagement_title")
+            content.body = String(localized: "reengagement_body")
+        }
         content.sound = .default
+        content.userInfo = ["action": "openDashboard"]
 
         let trigger = UNTimeIntervalNotificationTrigger(timeInterval: 7 * 24 * 3600, repeats: false)
         let request = UNNotificationRequest(identifier: "re_engagement", content: content, trigger: trigger)
@@ -219,6 +234,16 @@ extension NotificationService {
         }
     }
 
+    /// Advances and returns the rotation index over the eligible hooks so a different
+    /// one surfaces each time we (re)schedule.
+    private func nextReEngagementRotationIndex(count: Int) -> Int {
+        guard count > 0 else { return 0 }
+        let key = "reengagementRotationIndex"
+        let stored = UserDefaults.standard.integer(forKey: key)
+        UserDefaults.standard.set(stored &+ 1, forKey: key)
+        return ((stored % count) + count) % count
+    }
+
     /// Schedules a non-repeating monthly check-in notification for the 1st of the next month
     /// that doesn't have a completed check-in. Safe to call on every app activation.
     func scheduleMonthlyCheckIn() {
@@ -385,6 +410,191 @@ extension NotificationService {
     }
 }
 
+// MARK: - Re-engagement KPI copy
+
+private extension NotificationService {
+
+    struct ReEngagementHook {
+        let title: String
+        let body: String
+    }
+
+    static let milestones: [Decimal] = [1000, 2500, 5000, 10000, 25000, 50000,
+                                        100000, 250000, 500000, 1_000_000]
+
+    static let monthYearFormatter: DateFormatter = {
+        let f = DateFormatter()
+        f.setLocalizedDateFormatFromTemplate("MMMM yyyy")
+        return f
+    }()
+
+    static let percentFormatter: NumberFormatter = {
+        let f = NumberFormatter()
+        f.numberStyle = .decimal
+        f.minimumFractionDigits = 0
+        f.maximumFractionDigits = 1
+        return f
+    }()
+
+    /// Builds the list of KPI-driven hooks that currently apply. A neutral
+    /// curiosity hook is always appended (when the user has data) so the message
+    /// never has to fall back to the bland generic copy and never states a loss.
+    func buildReEngagementHooks() -> [ReEngagementHook] {
+        let ctx = CoreDataStack.shared.viewContext
+
+        let sourceReq: NSFetchRequest<InvestmentSource> = InvestmentSource.fetchRequest()
+        sourceReq.predicate = NSPredicate(format: "isActive == YES")
+        let sources = (try? ctx.fetch(sourceReq)) ?? []
+        guard !sources.isEmpty else { return [] }
+
+        let summary = CalculationService.shared.calculatePortfolioSummary(from: sources, snapshots: [])
+        let evolution = monthlyEvolution(from: sources)
+
+        var hooks: [ReEngagementHook] = []
+
+        // 1. Goal ETA — "at this pace you'll reach '<goal>' by <month year>"
+        if let goalHook = goalEtaHook(ctx: ctx, sources: sources) {
+            hooks.append(goalHook)
+        }
+
+        // 2. Year-over-year growth
+        if summary.yearChangePercentage >= 5,
+           let pct = Self.percentFormatter.string(from: NSNumber(value: summary.yearChangePercentage)) {
+            hooks.append(ReEngagementHook(
+                title: String(localized: "reengagement_yoy_title"),
+                body: String(format: String(localized: "reengagement_yoy_body"), "\(pct)%")))
+        }
+
+        // 3. Positive monthly change
+        if summary.monthChange > 0 {
+            let amount = CurrencyFormatter.format(summary.monthChange, style: .currency, maximumFractionDigits: 0)
+            hooks.append(ReEngagementHook(
+                title: String(localized: "reengagement_month_title"),
+                body: String(format: String(localized: "reengagement_month_body"), amount)))
+        }
+
+        // 4. Close to the next round milestone (within 10% below it)
+        if let msHook = milestoneProximityHook(totalValue: summary.totalValue) {
+            hooks.append(msHook)
+        }
+
+        // 5. Update streak of 3+ consecutive months
+        if let streak = monthlyStreak(evolution: evolution), streak >= 3 {
+            hooks.append(ReEngagementHook(
+                title: String(localized: "reengagement_streak_title"),
+                body: String(format: String(localized: "reengagement_streak_body"), streak)))
+        }
+
+        // 6. Neutral curiosity — always available, never states a loss.
+        hooks.append(ReEngagementHook(
+            title: String(localized: "reengagement_neutral_title"),
+            body: String(localized: "reengagement_neutral_body")))
+
+        return hooks
+    }
+
+    /// Portfolio total at the end of each month that has any snapshot, ascending.
+    func monthlyEvolution(from sources: [InvestmentSource]) -> [(date: Date, value: Decimal)] {
+        let cal = Calendar.current
+        var monthStarts = Set<Date>()
+        for source in sources {
+            for snap in source.sortedSnapshotsByDateAscending {
+                if let m = cal.date(from: cal.dateComponents([.year, .month], from: snap.date)) {
+                    monthStarts.insert(m)
+                }
+            }
+        }
+
+        return monthStarts.sorted().map { monthStart in
+            let monthEnd = cal.date(byAdding: DateComponents(month: 1, day: -1), to: monthStart) ?? monthStart
+            var total = Decimal.zero
+            for source in sources {
+                if let snap = source.sortedSnapshotsByDateAscending.last(where: { $0.date <= monthEnd }) {
+                    total += snap.decimalValue
+                }
+            }
+            return (monthStart, total)
+        }
+    }
+
+    /// Projects the first active goal reachable on the current 6-month trend and
+    /// returns a hook naming its ETA. Mirrors GoalsViewModel.estimateCompletionDate.
+    func goalEtaHook(ctx: NSManagedObjectContext, sources: [InvestmentSource]) -> ReEngagementHook? {
+        let req: NSFetchRequest<Goal> = Goal.fetchRequest()
+        req.predicate = NSPredicate(format: "isActive == YES")
+        let goals = (try? ctx.fetch(req)) ?? []
+        guard !goals.isEmpty else { return nil }
+
+        let cal = Calendar.current
+        for goal in goals {
+            let goalSources: [InvestmentSource]
+            if let accId = goal.account?.id {
+                goalSources = sources.filter { $0.account?.id == accId }
+            } else {
+                goalSources = sources
+            }
+
+            let evolution = monthlyEvolution(from: goalSources)
+            guard evolution.count >= 3,
+                  let first = evolution.suffix(6).first,
+                  let last = evolution.suffix(6).last else { continue }
+
+            let monthsBetween = max(1, first.date.monthsBetween(last.date))
+            let delta = last.value - first.value
+            guard delta > 0 else { continue }
+            let monthlyGain = delta / Decimal(monthsBetween)
+            guard monthlyGain > 0 else { continue }
+
+            let remaining = goal.targetDecimal - last.value
+            guard remaining > 0 else { continue } // already reached → skip
+            let monthsToGo = Int(ceil(NSDecimalNumber(decimal: remaining / monthlyGain).doubleValue))
+            guard monthsToGo > 0, monthsToGo <= 600,
+                  let eta = cal.date(byAdding: .month, value: monthsToGo, to: last.date) else { continue }
+
+            let etaStr = Self.monthYearFormatter.string(from: eta)
+            return ReEngagementHook(
+                title: String(localized: "reengagement_goal_title"),
+                body: String(format: String(localized: "reengagement_goal_body"), goal.name, etaStr))
+        }
+        return nil
+    }
+
+    /// Hook when the portfolio is within 10% below the next round milestone.
+    func milestoneProximityHook(totalValue: Decimal) -> ReEngagementHook? {
+        let current = NSDecimalNumber(decimal: totalValue).doubleValue
+        guard current > 0 else { return nil }
+
+        for milestone in Self.milestones {
+            let target = NSDecimalNumber(decimal: milestone).doubleValue
+            if current < target {
+                guard current >= target * 0.9 else { return nil } // next one up is too far
+                let msStr = CurrencyFormatter.format(milestone, style: .currency, maximumFractionDigits: 0)
+                return ReEngagementHook(
+                    title: String(localized: "reengagement_milestone_title"),
+                    body: String(format: String(localized: "reengagement_milestone_body"), msStr))
+            }
+        }
+        return nil
+    }
+
+    /// Number of consecutive months (ending at the most recent one with data) that
+    /// have a snapshot. `evolution` already holds one entry per month.
+    func monthlyStreak(evolution: [(date: Date, value: Decimal)]) -> Int? {
+        guard !evolution.isEmpty else { return nil }
+        let cal = Calendar.current
+        let months = Set(evolution.map { $0.date })
+        guard var cursor = months.max() else { return nil }
+
+        var count = 0
+        while months.contains(cursor) {
+            count += 1
+            guard let prev = cal.date(byAdding: .month, value: -1, to: cursor) else { break }
+            cursor = prev
+        }
+        return count
+    }
+}
+
 // MARK: - Background Refresh
 
 extension NotificationService {

PortfolioJournal/Services/ShareService.swift

@@ -6,8 +6,60 @@ import LinkPresentation
 class ShareService {
     static let shared = ShareService()
 
+    /// Attributed App Store link for shared cards (ct= shows up in App
+    /// Analytics as a campaign, so referral installs become measurable).
+    static let snapshotShareURL = URL(string: "https://apps.apple.com/app/portfolio-journal-tracker/id6757678318?ct=snapshot_share")!
+
     private init() {}
 
+    /// Extracts the "(±X.XX%)" part of a combined "±1.234 € (±X.XX%)" string.
+    static func percentPart(_ s: String?) -> String? {
+        guard let s else { return nil }
+        guard let open = s.lastIndex(of: "("), let close = s.lastIndex(of: ")"), open < close else {
+            return s
+        }
+        return String(s[s.index(after: open)..<close])
+    }
+
+    struct PortfolioCardStrings {
+        /// The big number (an all-time/return %) — the hero of the card.
+        let heroPercent: String?
+        /// Supporting absolute value (empty in percent-only mode).
+        let totalValue: String
+        let changeText: String
+        let yearChange: String?
+        let sinceInceptionChange: String?
+    }
+
+    /// The all-time return is always the hero (branding + shareable). With
+    /// `percentOnly` every absolute amount is dropped — nobody posts their net
+    /// worth in euros; everybody posts +42%.
+    static func portfolioCardStrings(
+        totalValue: String,
+        changeText: String,
+        yearChange: String?,
+        sinceInceptionChange: String?,
+        percentOnly: Bool
+    ) -> PortfolioCardStrings {
+        let hero = percentPart(sinceInceptionChange) ?? percentPart(changeText)
+        if percentOnly {
+            return PortfolioCardStrings(
+                heroPercent: hero ?? totalValue,
+                totalValue: "",
+                changeText: percentPart(changeText) ?? changeText,
+                yearChange: percentPart(yearChange),
+                sinceInceptionChange: percentPart(sinceInceptionChange)
+            )
+        }
+        return PortfolioCardStrings(
+            heroPercent: hero,
+            totalValue: totalValue,
+            changeText: changeText,
+            yearChange: yearChange,
+            sinceInceptionChange: sinceInceptionChange
+        )
+    }
+
     static func buildMonthlyCheckInShareText(summary: MonthlySummary, appName: String) -> String {
         """
         \(summary.periodLabel) Check-in
@@ -62,37 +114,108 @@ class ShareService {
         }
     }
 
+    struct MonthlySummaryShareData {
+        let monthLabel: String
+        let totalValue: String
+        let changeAmount: String
+        let changePercentage: String
+        let isPositive: Bool
+        let streak: Int
+        let mood: MonthlyCheckInMood?
+        let rating: Int?
+    }
+
+    @MainActor
+    func shareMonthlySummary(_ data: MonthlySummaryShareData) {
+        FirebaseService.shared.logShare(type: "monthly_summary")
+        let appName = Self.appDisplayName
+
+        var lines = [
+            "\(data.monthLabel) — Monthly Summary",
+            "Portfolio Value: \(data.totalValue)",
+            "\(data.changeAmount) (\(data.changePercentage)) since last check-in"
+        ]
+        if data.streak >= 2 {
+            lines.append("Streak: \(data.streak) months")
+        }
+        if let mood = data.mood {
+            lines.append("Mood: \(mood.title)")
+        }
+        lines.append("")
+        lines.append("Tracked with \(appName)")
+        let fallbackText = lines.joined(separator: "\n")
+
+        shareCard(
+            cardTitle: "\(data.monthLabel) — Monthly Summary",
+            fallbackText: fallbackText
+        ) {
+            MonthlySummaryShareView(
+                monthLabel: data.monthLabel,
+                totalValue: data.totalValue,
+                changeAmount: data.changeAmount,
+                changePercentage: data.changePercentage,
+                isPositive: data.isPositive,
+                streak: data.streak,
+                mood: data.mood,
+                rating: data.rating,
+                appName: appName,
+                qrCodeImage: GoalShareService.generateQRCode(for: GoalShareService.appStoreURL, size: 200)
+            )
+        }
+    }
+
     @MainActor
     func sharePortfolioValue(
         totalValue: String,
         changeText: String,
         changeLabel: String,
         yearChange: String?,
-        sinceInceptionChange: String?
+        sinceInceptionChange: String?,
+        sparkline: [Double] = [],
+        isPositive: Bool = true,
+        asOf: String? = nil,
+        theme: ShareCardTheme = .dark,
+        percentOnly: Bool = false,
+        storyFormat: Bool = false
     ) {
-        FirebaseService.shared.logShare(type: "portfolio_value")
+        FirebaseService.shared.logShare(type: percentOnly ? "portfolio_value_percent" : "portfolio_value")
         let appName = Self.appDisplayName
-        let text = Self.buildPortfolioValueShareText(
+        let display = Self.portfolioCardStrings(
             totalValue: totalValue,
             changeText: changeText,
-            changeLabel: changeLabel,
             yearChange: yearChange,
             sinceInceptionChange: sinceInceptionChange,
+            percentOnly: percentOnly
+        )
+        // Fallback text honors the privacy choice too.
+        let text = Self.buildPortfolioValueShareText(
+            totalValue: display.totalValue,
+            changeText: display.changeText,
+            changeLabel: changeLabel,
+            yearChange: display.yearChange,
+            sinceInceptionChange: display.sinceInceptionChange,
             appName: appName
         )
 
         shareCard(
             cardTitle: "Portfolio Snapshot",
-            fallbackText: text
+            fallbackText: text,
+            shareURL: Self.snapshotShareURL
         ) {
             PortfolioValueShareCardView(
-                totalValue: totalValue,
-                changeText: changeText,
+                totalValue: display.totalValue,
+                changeText: display.changeText,
                 changeLabel: changeLabel,
-                yearChange: yearChange,
-                sinceInceptionChange: sinceInceptionChange,
+                yearChange: display.yearChange,
+                sinceInceptionChange: display.sinceInceptionChange,
                 appName: appName,
-                qrCodeImage: GoalShareService.generateQRCode(for: GoalShareService.appStoreURL, size: 200)
+                qrCodeImage: GoalShareService.generateQRCode(for: Self.snapshotShareURL, size: 200),
+                sparkline: sparkline,
+                isPositive: isPositive,
+                heroPercent: display.heroPercent,
+                asOf: asOf,
+                theme: theme,
+                storyFormat: storyFormat
             )
         }
     }
@@ -124,10 +247,10 @@ class ShareService {
     private func shareCard<Content: View>(
         cardTitle: String,
         fallbackText: String,
+        shareURL: URL = GoalShareService.appStoreURL,
         @ViewBuilder card: () -> Content
     ) {
         guard let viewController = ShareService.topViewController() else { return }
-        let shareURL = GoalShareService.appStoreURL
 
         if #available(iOS 16.0, *) {
             let renderer = ImageRenderer(content: card())

PortfolioJournal/Utilities/BalancePrivacyManager.swift

@@ -0,0 +1,66 @@
+import SwiftUI
+import Combine
+
+/// Central store for the "Hide balances" privacy feature.
+///
+/// When `balancesHidden` is true, every monetary amount in the app renders
+/// redacted (a blurred bullet mask) instead of the real value. This lets the
+/// user open the app in public or take screenshots without exposing net worth.
+///
+/// If `requireBiometricToReveal` is enabled, un-hiding balances must first pass
+/// Face ID / biometric auth (reusing `AppLockService`). On failure, balances
+/// stay hidden.
+///
+/// State is persisted in `UserDefaults` so it survives relaunches, and mirrored
+/// into `@Published` properties so SwiftUI views observing this object update
+/// instantly when the user taps the quick toggle.
+@MainActor
+final class BalancePrivacyManager: ObservableObject {
+    static let shared = BalancePrivacyManager()
+
+    private enum Keys {
+        static let balancesHidden = "balancesHidden"
+        static let requireBiometricToReveal = "requireBiometricToReveal"
+    }
+
+    /// When true, all monetary amounts render redacted.
+    @Published var balancesHidden: Bool {
+        didSet { UserDefaults.standard.set(balancesHidden, forKey: Keys.balancesHidden) }
+    }
+
+    /// When true, revealing hidden balances requires biometric auth.
+    @Published var requireBiometricToReveal: Bool {
+        didSet { UserDefaults.standard.set(requireBiometricToReveal, forKey: Keys.requireBiometricToReveal) }
+    }
+
+    init() {
+        self.balancesHidden = UserDefaults.standard.bool(forKey: Keys.balancesHidden)
+        self.requireBiometricToReveal = UserDefaults.standard.bool(forKey: Keys.requireBiometricToReveal)
+    }
+
+    /// Toggle balance visibility. Hiding is always immediate. Revealing, when
+    /// `requireBiometricToReveal` is on and biometrics are available, runs a
+    /// Face ID prompt first and only reveals on success.
+    func toggleHidden() {
+        if balancesHidden {
+            reveal()
+        } else {
+            balancesHidden = true
+        }
+    }
+
+    /// Attempt to reveal balances, honoring the biometric requirement.
+    func reveal() {
+        guard balancesHidden else { return }
+        if requireBiometricToReveal && AppLockService.canUseBiometrics() {
+            AppLockService.authenticate(reason: "Reveal your balances") { [weak self] success in
+                if success {
+                    self?.balancesHidden = false
+                }
+                // On failure, stay hidden — do nothing.
+            }
+        } else {
+            balancesHidden = false
+        }
+    }
+}

PortfolioJournal/Utilities/ChartGapFill.swift

@@ -0,0 +1,65 @@
+import Foundation
+
+/// Fills gaps between snapshots for chart display only — it never creates or
+/// mutates Core Data objects. A source that has a snapshot in February and the
+/// next in June leaves March/April/May empty; without filling, per-source and
+/// category lines dip or break. This computes a value for every month in the
+/// grid so the graphs read continuously.
+///
+/// - Internal gaps (between two known snapshots) are linearly interpolated when
+///   `interpolate` is true, or carried forward (stepped) when false.
+/// - After a source's last snapshot the value is carried forward (there is no
+///   future point to interpolate towards) — matches the portfolio total.
+/// - Before a source's first snapshot the value is `nil` (the source did not
+///   exist yet, so it must not contribute 0 and drag the total down).
+enum ChartGapFill {
+
+    /// The user-facing toggle (Settings). Defaults to ON so charts look right out
+    /// of the box; reading via `object(forKey:)` so an unset key means enabled.
+    static let defaultsKey = "smoothChartGaps"
+
+    static var isEnabled: Bool {
+        (UserDefaults.standard.object(forKey: defaultsKey) as? Bool) ?? true
+    }
+
+    /// For a single source: `known` maps a month index (position in the ordered
+    /// month grid) to that month's value. Returns a value per month index, with
+    /// internal gaps filled and a trailing carry-forward. `nil` means "absent".
+    static func denseValues(
+        known: [Int: Decimal],
+        monthCount: Int,
+        interpolate: Bool
+    ) -> [Decimal?] {
+        var result = [Decimal?](repeating: nil, count: monthCount)
+        let indices = known.keys.sorted()
+        guard let first = indices.first, let last = indices.last else { return result }
+
+        for i in indices { result[i] = known[i] }
+
+        if interpolate {
+            // Linear interpolation across each internal gap.
+            for k in 0..<(indices.count - 1) {
+                let a = indices[k]
+                let b = indices[k + 1]
+                guard b - a > 1, let va = known[a], let vb = known[b] else { continue }
+                for i in (a + 1)..<b {
+                    let frac = Decimal(i - a) / Decimal(b - a)
+                    result[i] = va + (vb - va) * frac
+                }
+            }
+        } else {
+            // Stepped carry-forward within internal gaps.
+            var lastVal = known[first] ?? .zero
+            for i in first...last {
+                if let v = result[i] { lastVal = v } else { result[i] = lastVal }
+            }
+        }
+
+        // Carry the last known value forward past the final snapshot.
+        if let lastVal = known[last], last + 1 < monthCount {
+            for i in (last + 1)..<monthCount { result[i] = lastVal }
+        }
+
+        return result
+    }
+}

PortfolioJournal/Utilities/DashboardLayoutStore.swift

@@ -103,12 +103,23 @@ enum DashboardLayoutStore {
         UserDefaults.standard.removeObject(forKey: storageKey)
     }
 
+    /// Calm 2.0 defaults: three zones — state (total value), action (check-in),
+    /// context. Redundant cards start hidden: pending updates and streaks now
+    /// live inside the check-in card, period returns inside the hero. All remain
+    /// available via Customize.
+    private static let hiddenByDefault: Set<DashboardSection> = [
+        .momentumStreaks, .pendingUpdates, .periodReturns, .monthlySummary
+    ]
+
     private static func defaultConfigs() -> [DashboardSectionConfig] {
         DashboardSection.allCases.map { section in
             DashboardSectionConfig(
                 id: section.id,
-                isVisible: true,
-                isCollapsed: false
+                isVisible: !hiddenByDefault.contains(section),
+                isCollapsed: false,
+                // The check-in row is slim — full width on the iPad grid so it
+                // reads as the "action" zone instead of leaving a gap cell.
+                columnSpan: section == .monthlyCheckIn ? 2 : 1
             )
         }
     }

PortfolioJournal/Utilities/GoalProjection.swift

@@ -0,0 +1,167 @@
+import Foundation
+
+/// Pure, dependency-free projection helper for goals.
+///
+/// Given the current portfolio value relevant to a goal (its account's sources,
+/// or the whole portfolio when the goal has no account), a monthly growth rate
+/// derived from evolution history, and the total monthly contributions of the
+/// relevant sources, it projects value forward month by month and estimates the
+/// month the goal amount is reached — plus an on-track status vs the target date.
+///
+/// Kept free of Core Data / SwiftUI so it is trivially unit-testable and reusable.
+enum GoalProjection {
+
+    /// On-track status of a goal relative to its target date.
+    enum Status: Equatable {
+        /// Reached before the target date.
+        case aheadOfSchedule
+        /// Reached at (or within a small window of) the target date.
+        case onTrack
+        /// Reached after the target date.
+        case behind
+        /// Never reached at the current trajectory (no growth, no contributions).
+        case unreachable
+        /// No target date set — only a projected date is meaningful.
+        case noTargetDate
+    }
+
+    struct Result {
+        /// Projected month the goal amount is reached, or nil if unreachable.
+        let projectedDate: Date?
+        /// Number of months from `asOf` until the goal is reached, or nil if unreachable.
+        let monthsToReach: Int?
+        /// On-track status vs the target date.
+        let status: Status
+        /// Monthly growth rate used (fraction, e.g. 0.008 == +0.8%/mo). Zero if flat/negative.
+        let monthlyGrowthRate: Double
+        /// A short projection curve (value per month) for a sparkline, starting at `currentValue`.
+        /// Empty when the goal is already reached or unreachable.
+        let sparkline: [Decimal]
+
+        var isReachable: Bool { projectedDate != nil }
+    }
+
+    /// Hard cap on how many months we project before declaring a goal unreachable
+    /// at the current pace (50 years).
+    private static let maxProjectionMonths = 600
+
+    /// Derives a robust monthly growth rate (as a fraction) from evolution history.
+    ///
+    /// Uses the trailing window (default 6 points) and computes a monthly CAGR from
+    /// first to last value. Contributions inflate raw value growth, so this rate is a
+    /// blended "how fast the pot grows" figure rather than pure market return — which
+    /// is the honest thing to extrapolate for an ETA. Returns 0 for flat/negative
+    /// trends or insufficient data.
+    static func monthlyGrowthRate(
+        from evolution: [(date: Date, value: Decimal)],
+        window: Int = 6
+    ) -> Double {
+        guard evolution.count >= 3 else { return 0 }
+        let recent = Array(evolution.suffix(max(2, window)))
+        guard let first = recent.first, let last = recent.last else { return 0 }
+
+        let firstValue = NSDecimalNumber(decimal: first.value).doubleValue
+        let lastValue = NSDecimalNumber(decimal: last.value).doubleValue
+        guard firstValue > 0, lastValue > firstValue else { return 0 }
+
+        let months = max(1, first.date.monthsBetween(last.date))
+        // Monthly CAGR: (last/first)^(1/months) - 1
+        let ratio = lastValue / firstValue
+        let rate = pow(ratio, 1.0 / Double(months)) - 1.0
+        guard rate.isFinite, rate > 0 else { return 0 }
+        // Clamp to a sane band to avoid absurd extrapolations from noisy data.
+        return min(rate, 0.5)
+    }
+
+    /// Projects when `targetAmount` is reached.
+    ///
+    /// - Parameters:
+    ///   - currentValue: current portfolio value relevant to the goal.
+    ///   - targetAmount: the goal amount.
+    ///   - monthlyGrowthRate: fraction per month (from `monthlyGrowthRate(from:)`).
+    ///   - monthlyContribution: total monthly contributions of relevant sources.
+    ///   - targetDate: optional deadline to compare against.
+    ///   - asOf: base date to project from (defaults to now).
+    static func project(
+        currentValue: Decimal,
+        targetAmount: Decimal,
+        monthlyGrowthRate: Double,
+        monthlyContribution: Decimal,
+        targetDate: Date?,
+        asOf: Date = Date()
+    ) -> Result {
+        // Already reached.
+        if currentValue >= targetAmount, targetAmount > 0 {
+            return Result(
+                projectedDate: asOf,
+                monthsToReach: 0,
+                status: targetDate == nil ? .noTargetDate : .onTrack,
+                monthlyGrowthRate: max(0, monthlyGrowthRate),
+                sparkline: []
+            )
+        }
+
+        let rate = max(0, monthlyGrowthRate)
+        let contribution = NSDecimalNumber(decimal: max(0, monthlyContribution)).doubleValue
+        var value = NSDecimalNumber(decimal: currentValue).doubleValue
+        let target = NSDecimalNumber(decimal: targetAmount).doubleValue
+
+        // No trajectory at all → unreachable.
+        if rate <= 0 && contribution <= 0 {
+            return Result(
+                projectedDate: nil,
+                monthsToReach: nil,
+                status: .unreachable,
+                monthlyGrowthRate: 0,
+                sparkline: []
+            )
+        }
+
+        var sparkline: [Decimal] = [Decimal(value)]
+        var months = 0
+        while value < target && months < maxProjectionMonths {
+            value = value * (1 + rate) + contribution
+            months += 1
+            // Sample the sparkline sparsely (at most ~12 points).
+            if months % max(1, months / 12) == 0 || value >= target {
+                sparkline.append(Decimal(value))
+            }
+        }
+
+        guard value >= target else {
+            return Result(
+                projectedDate: nil,
+                monthsToReach: nil,
+                status: .unreachable,
+                monthlyGrowthRate: rate,
+                sparkline: []
+            )
+        }
+
+        let projectedDate = Calendar.current.date(byAdding: .month, value: months, to: asOf)
+
+        let status: Status
+        if let targetDate {
+            let projectedDay = (projectedDate ?? asOf).startOfDay
+            let targetDay = targetDate.startOfDay
+            let deltaDays = targetDay.daysBetween(projectedDay)
+            if deltaDays <= -15 {
+                status = .aheadOfSchedule
+            } else if deltaDays >= 15 {
+                status = .behind
+            } else {
+                status = .onTrack
+            }
+        } else {
+            status = .noTargetDate
+        }
+
+        return Result(
+            projectedDate: projectedDate,
+            monthsToReach: months,
+            status: status,
+            monthlyGrowthRate: rate,
+            sparkline: sparkline
+        )
+    }
+}

PortfolioJournal/Utilities/ImageAmountScanner.swift

@@ -0,0 +1,95 @@
+import Foundation
+import UIKit
+import Vision
+
+// MARK: - On-device amount OCR (app target)
+//
+// Recognizes the monetary amounts in a shared/picked image entirely on-device
+// (Vision), ranked by visual prominence — the balance is almost always the
+// biggest number on a bank screen. Mirrors the Share Extension's scanner so the
+// two entry points behave identically.
+
+struct ScannedAmount: Identifiable, Equatable {
+    let id = UUID()
+    let display: String
+    let value: Decimal
+    let prominence: CGFloat
+
+    static func == (lhs: Self, rhs: Self) -> Bool { lhs.id == rhs.id }
+}
+
+enum ImageAmountScanner {
+    static let maxCandidates = 6
+
+    static func scan(_ image: UIImage, completion: @escaping ([ScannedAmount]) -> Void) {
+        guard let cgImage = image.cgImage else { completion([]); return }
+        let request = VNRecognizeTextRequest { request, _ in
+            let obs = (request.results as? [VNRecognizedTextObservation]) ?? []
+            completion(candidates(from: obs))
+        }
+        request.recognitionLevel = .accurate
+        request.usesLanguageCorrection = false
+
+        DispatchQueue.global(qos: .userInitiated).async {
+            let handler = VNImageRequestHandler(cgImage: cgImage, orientation: cgOrientation(from: image.imageOrientation))
+            try? handler.perform([request])
+        }
+    }
+
+    private static let numberPattern: NSRegularExpression = {
+        let pattern = "\\d{1,3}(?:[.,\u{00A0} ]\\d{3})+(?:[.,]\\d{1,2})?|\\d+[.,]\\d{1,2}|\\d+"
+        return try! NSRegularExpression(pattern: pattern)
+    }()
+
+    private static func candidates(from observations: [VNRecognizedTextObservation]) -> [ScannedAmount] {
+        var found: [ScannedAmount] = []
+        for observation in observations {
+            guard let recognized = observation.topCandidates(1).first else { continue }
+            let line = recognized.string
+            let range = NSRange(line.startIndex..., in: line)
+            for match in numberPattern.matches(in: line, range: range) {
+                guard let r = Range(match.range, in: line) else { continue }
+                let display = String(line[r])
+                guard !isPercentage(display, in: line, at: r),
+                      !looksLikeYear(display),
+                      let value = CurrencyFormatter.parseUserInput(display), value > 0 else { continue }
+                found.append(ScannedAmount(
+                    display: display.replacingOccurrences(of: "\u{00A0}", with: " "),
+                    value: value,
+                    prominence: observation.boundingBox.height))
+            }
+        }
+        var byValue: [Decimal: ScannedAmount] = [:]
+        for c in found {
+            if let e = byValue[c.value], e.prominence >= c.prominence { continue }
+            byValue[c.value] = c
+        }
+        return byValue.values.sorted { $0.prominence > $1.prominence }.prefix(maxCandidates).map { $0 }
+    }
+
+    private static func isPercentage(_ display: String, in line: String, at range: Range<String.Index>) -> Bool {
+        let after = line[range.upperBound...].drop(while: { $0 == " " || $0 == "\u{00A0}" })
+        if after.first == "%" { return true }
+        let before = line[..<range.lowerBound].reversed().drop(while: { $0 == " " || $0 == "\u{00A0}" })
+        return before.first == "%"
+    }
+
+    private static func looksLikeYear(_ display: String) -> Bool {
+        guard display.count == 4, display.allSatisfy(\.isNumber), let v = Int(display) else { return false }
+        return (1990...2099).contains(v)
+    }
+
+    private static func cgOrientation(from o: UIImage.Orientation) -> CGImagePropertyOrientation {
+        switch o {
+        case .up: return .up
+        case .down: return .down
+        case .left: return .left
+        case .right: return .right
+        case .upMirrored: return .upMirrored
+        case .downMirrored: return .downMirrored
+        case .leftMirrored: return .leftMirrored
+        case .rightMirrored: return .rightMirrored
+        @unknown default: return .up
+        }
+    }
+}

PortfolioJournal/Utilities/SnapshotGapDetector.swift

@@ -0,0 +1,87 @@
+import Foundation
+import CoreData
+
+/// Detects INTERNAL gaps in a source's snapshot history: two consecutive
+/// snapshots more than one calendar month apart, i.e. one or more calendar
+/// months between them have no data at all.
+///
+/// This complements `ChartGapFill`, which only smooths the *display* by
+/// interpolating/carrying values across those empty months. The chart looks
+/// continuous, but real data is missing — this surfaces that so the user can
+/// fill it in. Read-only: it never mutates Core Data.
+enum SnapshotGapDetector {
+
+    /// A single internal gap for one source.
+    struct Gap: Identifiable, Equatable {
+        let sourceId: UUID
+        let sourceName: String
+        /// The month of the snapshot before the gap (start of that month).
+        let fromMonth: Date
+        /// The month of the snapshot after the gap (start of that month).
+        let toMonth: Date
+        /// Number of calendar months with no data between `fromMonth` and `toMonth`.
+        let missingMonths: Int
+        /// The individual missing months (start-of-month dates), oldest first.
+        let missingMonthDates: [Date]
+
+        var id: String { "\(sourceId.uuidString)-\(fromMonth.timeIntervalSince1970)" }
+    }
+
+    /// Computes all internal gaps across the provided sources' snapshots.
+    /// Only months strictly between two known snapshots count — a source's
+    /// trailing "not updated in a while" is handled elsewhere (pending updates).
+    static func detectGaps(sources: [InvestmentSource], snapshots: [Snapshot]) -> [Gap] {
+        let calendar = Calendar.current
+        let snapshotsBySource = Dictionary(grouping: snapshots) { $0.source?.id }
+        var gaps: [Gap] = []
+
+        for source in sources {
+            let sourceId = source.id
+            guard let sourceSnapshots = snapshotsBySource[sourceId], sourceSnapshots.count >= 2 else {
+                continue
+            }
+
+            // One value per calendar month (keep the latest in each), sorted ascending.
+            var monthStarts: [Date] = sourceSnapshots
+                .map { $0.date.startOfMonth }
+            monthStarts = Array(Set(monthStarts)).sorted()
+
+            guard monthStarts.count >= 2 else { continue }
+
+            for i in 0..<(monthStarts.count - 1) {
+                let from = monthStarts[i]
+                let to = monthStarts[i + 1]
+                let monthsApart = from.monthsBetween(to)
+                guard monthsApart > 1 else { continue }
+
+                var missingDates: [Date] = []
+                var cursor = from.adding(months: 1).startOfMonth
+                while cursor < to {
+                    missingDates.append(cursor)
+                    cursor = cursor.adding(months: 1).startOfMonth
+                }
+                guard !missingDates.isEmpty else { continue }
+
+                gaps.append(Gap(
+                    sourceId: sourceId,
+                    sourceName: source.name,
+                    fromMonth: from,
+                    toMonth: to,
+                    missingMonths: missingDates.count,
+                    missingMonthDates: missingDates
+                ))
+            }
+        }
+
+        // Most recent gaps first (by the month after the gap), then by source name.
+        return gaps.sorted {
+            if $0.toMonth != $1.toMonth { return $0.toMonth > $1.toMonth }
+            return $0.sourceName < $1.sourceName
+        }
+    }
+
+    /// Total count of missing months across all gaps.
+    static func totalMissingMonths(_ gaps: [Gap]) -> Int {
+        gaps.reduce(0) { $0 + $1.missingMonths }
+    }
+}

PortfolioJournal/Utilities/StableID.swift

@@ -0,0 +1,32 @@
+import Foundation
+import CryptoKit
+
+/// Deterministic UUIDs (RFC 4122 v5) for records that every device/install must
+/// create identically — the default Account and the default Categories.
+///
+/// Why: `awakeFromInsert()` assigns a random UUID, so each device seeded its own
+/// "Default" account + default categories with *different* UUIDs before the first
+/// CloudKit import. CloudKit keys on the UUID (record name), so those identical-in-
+/// meaning records piled up as distinct records (8 accounts, 23 categories in the
+/// wild). Giving the defaults a STABLE UUID derived from a fixed namespace + name
+/// means every device produces the SAME record name → CloudKit natively merges
+/// them into one. No dedup, no deletes, no cascade — the root-cause fix.
+enum StableID {
+    /// Fixed app namespace (generated once, constant forever — never change it).
+    static let namespace = UUID(uuidString: "F3A1C2D4-5E6F-4A7B-8C9D-0E1F2A3B4C5D")!
+
+    /// RFC 4122 v5 UUID: SHA-1(namespace bytes ‖ name) with version/variant bits set.
+    static func v5(_ name: String) -> UUID {
+        var hasher = Insecure.SHA1()
+        withUnsafeBytes(of: namespace.uuid) { hasher.update(bufferPointer: $0) }
+        hasher.update(data: Data(name.utf8))
+        let digest = Array(hasher.finalize()) // 20 bytes; take first 16
+
+        var b = Array(digest.prefix(16))
+        b[6] = (b[6] & 0x0F) | 0x50 // version 5
+        b[8] = (b[8] & 0x3F) | 0x80 // RFC 4122 variant
+
+        return UUID(uuid: (b[0], b[1], b[2], b[3], b[4], b[5], b[6], b[7],
+                           b[8], b[9], b[10], b[11], b[12], b[13], b[14], b[15]))
+    }
+}

PortfolioJournal/ViewModels/ChartsViewModel.swift

@@ -94,6 +94,12 @@ class ChartsViewModel: ObservableObject {
     @Published var selectedSource: InvestmentSource?
     @Published var selectedSourceIds: Set<UUID> = []
     @Published var selectedTimeRange: TimeRange = .year
+    /// Global custom data window (range brush): when set, it REPLACES the
+    /// preset time range as the data filter for EVERY chart. Month-granular.
+    @Published var customRange: ClosedRange<Date>?
+    /// Full-history monthly totals for the current source/account universe —
+    /// the sparkline behind the range brush. Rebuilt with the snapshot cache.
+    @Published var fullHistorySeries: [(date: Date, value: Decimal)] = []
     @Published var selectedAccount: Account?
     @Published var showAllAccounts = true
     @Published var selectedBreakdown: BreakdownMode = .category
@@ -328,7 +334,9 @@ class ChartsViewModel: ObservableObject {
                     snapshots = self.freemiumValidator.filterSnapshots(snapshots)
                 }
                 var filtered = snapshots
-                if let cutoff = self.selectedTimeRange.startDate() {
+                if let custom = self.customRange {
+                    filtered = snapshots.filter { custom.contains($0.date) }
+                } else if let cutoff = self.selectedTimeRange.startDate() {
                     filtered = snapshots.filter { $0.date >= cutoff }
                 }
                 self.calculateComparisonData(sources: allSources, allSnapshots: filtered)
@@ -354,6 +362,28 @@ class ChartsViewModel: ObservableObject {
             }
             .store(in: &cancellables)
 
+        // Global custom range (brush): refilter the selected chart's data.
+        // Calls updateChartData directly (like performancePeriodMonths) because
+        // the main pipeline's skip-check doesn't track customRange.
+        $customRange
+            .dropFirst()
+            .debounce(for: .milliseconds(150), scheduler: DispatchQueue.main)
+            .sink { [weak self] _ in
+                guard let self else { return }
+                self.updateChartData(chartType: self.selectedChartType, category: self.selectedCategory, timeRange: self.selectedTimeRange)
+            }
+            .store(in: &cancellables)
+
+        // Picking a preset range clears the custom brush window.
+        $selectedTimeRange
+            .removeDuplicates()
+            .dropFirst()
+            .sink { [weak self] _ in
+                guard let self, self.customRange != nil else { return }
+                self.customRange = nil
+            }
+            .store(in: &cancellables)
+
         // Period comparison: react to date picker changes
         Publishers.CombineLatest4($periodAStart, $periodAEnd, $periodBStart, $periodBEnd)
             .debounce(for: .milliseconds(300), scheduler: DispatchQueue.main)
@@ -489,9 +519,13 @@ class ChartsViewModel: ObservableObject {
             hiddenHistoryMonths = freemiumValidator.hiddenHistoryMonths(in: snapshots)
             snapshots = freemiumValidator.filterSnapshots(snapshots)
             cachedSnapshots = snapshots
+            fullHistorySeries = monthlySeries(from: snapshots)
         }
 
-        if let cutoffDate = timeRange.startDate() {
+        // The brush's custom window replaces the preset range as data filter.
+        if let custom = customRange {
+            snapshots = snapshots.filter { custom.contains($0.date) }
+        } else if let cutoffDate = timeRange.startDate() {
             snapshots = snapshots.filter { $0.date >= cutoffDate }
         }
 
@@ -512,6 +546,8 @@ class ChartsViewModel: ObservableObject {
                 selectedCategory: selectedCategory
             )
             calculateCategoryEvolutionData(from: completedSnapshots, categories: categoriesForChart)
+            // Also needed by the Evolution "vs Contributions" overlay (premium).
+            calculateContributionsData(from: completedSnapshots)
         case .allocation:
             calculateAllocationData(for: sources, breakdown: selectedBreakdown)
             calculateAllocationEvolutionData(from: completedSnapshots)
@@ -564,7 +600,9 @@ class ChartsViewModel: ObservableObject {
                 allSnapshots = freemiumValidator.filterSnapshots(allSnapshots)
             }
             var filteredForComparison = allSnapshots
-            if let cutoff = timeRange.startDate() {
+            if let custom = customRange {
+                filteredForComparison = allSnapshots.filter { custom.contains($0.date) }
+            } else if let cutoff = timeRange.startDate() {
                 filteredForComparison = allSnapshots.filter { $0.date >= cutoff }
             }
             calculateComparisonData(sources: allSources, allSnapshots: filteredForComparison)
@@ -734,36 +772,65 @@ class ChartsViewModel: ObservableObject {
 
     // MARK: - Chart Calculations
 
+    /// Sets the custom window from two month-granular dates (inclusive months).
+    func setCustomRange(fromMonth: Date, toMonth: Date) {
+        let cal = Calendar.current
+        let start = cal.date(from: cal.dateComponents([.year, .month], from: fromMonth)) ?? fromMonth
+        let endMonthStart = cal.date(from: cal.dateComponents([.year, .month], from: toMonth)) ?? toMonth
+        let end = cal.date(byAdding: DateComponents(month: 1, second: -1), to: endMonthStart) ?? toMonth
+        customRange = start...max(start, end)
+    }
+
     private func calculateEvolutionData(from snapshots: [Snapshot]) {
-        let sortedSnapshots = snapshots.sorted { $0.date < $1.date }
-        let groupedByMonth = Dictionary(grouping: sortedSnapshots) { snapshot -> DateComponents in
-            chartMonth(for: snapshot.date)
+        evolutionData = downsampleSeries(monthlySeries(from: snapshots), maxPoints: maxChartPoints)
+    }
+
+    /// Pure monthly aggregation (grid + gap fill + per-month totals) — shared by
+    /// the evolution chart and the range-brush sparkline.
+    private func monthlySeries(from snapshots: [Snapshot]) -> [(date: Date, value: Decimal)] {
+        // Ordered month grid + each month's index.
+        let sortedMonthKeys = Set(snapshots.map { chartMonth(for: $0.date) }).sorted {
+            (Calendar.current.date(from: $0) ?? .distantPast) < (Calendar.current.date(from: $1) ?? .distantPast)
+        }
+        let monthCount = sortedMonthKeys.count
+        guard monthCount > 0 else { return [] }
+        var indexByKey: [DateComponents: Int] = [:]
+        for (i, key) in sortedMonthKeys.enumerated() { indexByKey[key] = i }
+
+        // Per source: latest value at each month index.
+        var knownBySource: [UUID: [Int: (value: Decimal, date: Date)]] = [:]
+        for snapshot in snapshots {
+            guard let sourceId = snapshot.source?.id,
+                  let idx = indexByKey[chartMonth(for: snapshot.date)] else { continue }
+            let existing = knownBySource[sourceId]?[idx]
+            if existing == nil || snapshot.date > existing!.date {
+                knownBySource[sourceId, default: [:]][idx] = (snapshot.decimalValue, snapshot.date)
+            }
+        }
+
+        // Fill each source's gaps (interpolated when enabled, else stepped
+        // carry-forward), then sum per month. Display only — see ChartGapFill.
+        let interpolate = ChartGapFill.isEnabled
+        var monthTotals = [Decimal](repeating: 0, count: monthCount)
+        for (_, known) in knownBySource {
+            let dense = ChartGapFill.denseValues(
+                known: known.mapValues { $0.value },
+                monthCount: monthCount,
+                interpolate: interpolate
+            )
+            for i in 0..<monthCount where dense[i] != nil {
+                monthTotals[i] += dense[i]!
+            }
         }
 
         var series: [(date: Date, value: Decimal)] = []
-        series.reserveCapacity(groupedByMonth.count)
-
-        for (key, monthSnapshots) in groupedByMonth {
-            var latestBySource: [UUID: Snapshot] = [:]
-            for snapshot in monthSnapshots {
-                guard let sourceId = snapshot.source?.id else { continue }
-                if let existing = latestBySource[sourceId] {
-                    if snapshot.date > existing.date {
-                        latestBySource[sourceId] = snapshot
-                    }
-                } else {
-                    latestBySource[sourceId] = snapshot
-                }
-            }
-
-            let total = latestBySource.values.reduce(Decimal.zero) { $0 + $1.decimalValue }
-            let date = Calendar.current.date(from: key) ?? Date()
-            series.append((date: date, value: total))
+        series.reserveCapacity(monthCount)
+        for i in 0..<monthCount {
+            let date = Calendar.current.date(from: sortedMonthKeys[i]) ?? Date()
+            series.append((date: date, value: monthTotals[i]))
         }
 
-        series.sort { $0.date < $1.date }
-
-        evolutionData = downsampleSeries(series, maxPoints: maxChartPoints)
+        return series
     }
 
     private func calculateCategoryEvolutionData(from snapshots: [Snapshot], categories: [Category]) {
@@ -852,12 +919,16 @@ class ChartsViewModel: ObservableObject {
         var globalCategoryTotals: [String: (total: Decimal, color: String)] = [:]
         var monthlyData: [(date: Date, categories: [String: (value: Decimal, color: String)])] = []
 
+        // Forward-filled across months: a source keeps its last known value in months
+        // where it wasn't updated, so category allocations don't distort when a single
+        // source is missing that month.
+        var sourceLatest: [UUID: Snapshot] = [:]
+
         for monthKey in sortedMonths {
             guard let monthSnapshots = groupedByMonth[monthKey],
                   let monthDate = Calendar.current.date(from: monthKey) else { continue }
 
             var categoryTotals: [String: (value: Decimal, color: String)] = [:]
-            var sourceLatest: [UUID: Snapshot] = [:]
 
             for snapshot in monthSnapshots {
                 guard let sourceId = snapshot.source?.id else { continue }
@@ -1541,10 +1612,15 @@ class ChartsViewModel: ObservableObject {
             let grouped = Dictionary(grouping: periodSnapshots) { snap -> DateComponents in
                 Calendar.current.dateComponents([.year, .month], from: snap.date)
             }
+            let sortedKeys = grouped.keys.sorted {
+                (Calendar.current.date(from: $0) ?? .distantPast) < (Calendar.current.date(from: $1) ?? .distantPast)
+            }
             var monthlyTotalsArr: [(date: Date, value: Double)] = []
-            for (key, snaps) in grouped {
-                var latestBySource: [UUID: Snapshot] = [:]
-                for snap in snaps {
+            // Forward-fill per source across the period so an un-updated source keeps
+            // its last value instead of dropping the month's total.
+            var latestBySource: [UUID: Snapshot] = [:]
+            for key in sortedKeys {
+                for snap in grouped[key] ?? [] {
                     guard let sourceId = snap.source?.id else { continue }
                     if let existing = latestBySource[sourceId] {
                         if snap.date > existing.date { latestBySource[sourceId] = snap }
@@ -1556,7 +1632,6 @@ class ChartsViewModel: ObservableObject {
                 let date = Calendar.current.date(from: key) ?? Date()
                 monthlyTotalsArr.append((date: date, value: total))
             }
-            monthlyTotalsArr.sort { $0.date < $1.date }
             guard let firstValue = monthlyTotalsArr.first?.value, firstValue > 0 else { return nil }
 
             let points = monthlyTotalsArr.enumerated().map { index, item in
@@ -1669,17 +1744,23 @@ class ChartsViewModel: ObservableObject {
     }
 
     private func monthlyTotalsByMonthYear(from snapshots: [Snapshot]) -> [(date: Date, totalValue: Decimal)] {
-        let sortedSnapshots = snapshots.sorted { $0.date < $1.date }
-        let groupedByMonth = Dictionary(grouping: sortedSnapshots) { snapshot -> DateComponents in
+        let groupedByMonth = Dictionary(grouping: snapshots) { snapshot -> DateComponents in
             chartMonth(for: snapshot.date)
         }
 
-        var totals: [(date: Date, totalValue: Decimal)] = []
-        totals.reserveCapacity(groupedByMonth.count)
+        let sortedMonthKeys = groupedByMonth.keys.sorted {
+            (Calendar.current.date(from: $0) ?? .distantPast) < (Calendar.current.date(from: $1) ?? .distantPast)
+        }
 
-        for (key, monthSnapshots) in groupedByMonth {
-            var latestBySource: [UUID: Snapshot] = [:]
-            for snapshot in monthSnapshots {
+        var totals: [(date: Date, totalValue: Decimal)] = []
+        totals.reserveCapacity(sortedMonthKeys.count)
+
+        // Forward-fill per source so each month's total reflects every source's last
+        // known value (matches monthlyTotals and the portfolio total).
+        var latestBySource: [UUID: Snapshot] = [:]
+
+        for key in sortedMonthKeys {
+            for snapshot in groupedByMonth[key] ?? [] {
                 guard let sourceId = snapshot.source?.id else { continue }
                 if let existing = latestBySource[sourceId] {
                     if snapshot.date > existing.date {
@@ -1695,7 +1776,7 @@ class ChartsViewModel: ObservableObject {
             totals.append((date: date, totalValue: total))
         }
 
-        return totals.sorted { $0.date < $1.date }
+        return totals
     }
 
     private func monthlyReturnSeries(

PortfolioJournal/ViewModels/DashboardViewModel.swift

@@ -25,6 +25,13 @@ class DashboardViewModel: ObservableObject {
     @Published var evolutionData: [(date: Date, value: Decimal)] = []
     @Published var updateStreak: Int = 0
 
+    // MARK: - Data Gaps
+
+    /// Internal gaps in per-source snapshot history (missing months between two
+    /// known snapshots). The chart smooths these over; this exposes them so the
+    /// user knows real data is missing and can fill it. See SnapshotGapDetector.
+    @Published var dataGaps: [SnapshotGapDetector.Gap] = []
+
     // MARK: - Portfolio Forecast
 
     @Published var portfolioForecast: PortfolioForecast?
@@ -209,6 +216,9 @@ class DashboardViewModel: ObservableObject {
         // Compute update streak
         updateStreak = computeStreak(from: evolutionData)
 
+        // Detect internal data gaps (missing months between known snapshots)
+        dataGaps = SnapshotGapDetector.detectGaps(sources: sources, snapshots: allSnapshots)
+
         // Log screen view
         FirebaseService.shared.logScreenView(screenName: "Dashboard")
     }
@@ -283,51 +293,75 @@ class DashboardViewModel: ObservableObject {
             return EvolutionSummary(evolutionData: [], categorySeries: [], categoryTotals: [:])
         }
 
-        let sortedSnapshots = snapshots.sorted { $0.date < $1.date }
-        let groupedByMonth = Dictionary(grouping: sortedSnapshots) { snapshot -> DateComponents in
-            let components = Calendar.current.dateComponents([.year, .month], from: snapshot.date)
-            return DateComponents(year: components.year, month: components.month)
+        let calendar = Calendar.current
+        func monthKey(_ date: Date) -> DateComponents {
+            let c = calendar.dateComponents([.year, .month], from: date)
+            return DateComponents(year: c.year, month: c.month)
+        }
+
+        // Ordered grid of every month that has data, and each month's index in it.
+        let sortedMonthKeys = Set(snapshots.map { monthKey($0.date) }).sorted {
+            (calendar.date(from: $0) ?? .distantPast) < (calendar.date(from: $1) ?? .distantPast)
+        }
+        let monthCount = sortedMonthKeys.count
+        guard monthCount > 0 else {
+            return EvolutionSummary(evolutionData: [], categorySeries: [], categoryTotals: [:])
+        }
+        var indexByKey: [DateComponents: Int] = [:]
+        for (i, key) in sortedMonthKeys.enumerated() { indexByKey[key] = i }
+
+        // Per source: the latest snapshot value at each month index + its category.
+        var knownBySource: [UUID: [Int: (value: Decimal, date: Date)]] = [:]
+        var categoryBySource: [UUID: UUID] = [:]
+        for snapshot in snapshots {
+            guard let sourceId = snapshot.source?.id,
+                  let idx = indexByKey[monthKey(snapshot.date)] else { continue }
+            let existing = knownBySource[sourceId]?[idx]
+            if existing == nil || snapshot.date > existing!.date {
+                knownBySource[sourceId, default: [:]][idx] = (snapshot.decimalValue, snapshot.date)
+            }
+            if let categoryId = snapshot.source?.category?.id {
+                categoryBySource[sourceId] = categoryId
+            }
+        }
+
+        // Fill each source's gaps (linear interpolation when enabled, else stepped
+        // carry-forward), then sum per month. Interpolating per source means a
+        // source last seen in Feb and next in Jun contributes a smooth ramp for
+        // Mar/Apr/May instead of a flat line + jump. Chart display only — no data
+        // is created (see ChartGapFill).
+        let interpolate = ChartGapFill.isEnabled
+        var monthTotals = [Decimal](repeating: 0, count: monthCount)
+        var monthCategory = [[UUID: Decimal]](repeating: [:], count: monthCount)
+        var categoryTotals: [UUID: Decimal] = [:]
+
+        for (sourceId, known) in knownBySource {
+            let dense = ChartGapFill.denseValues(
+                known: known.mapValues { $0.value },
+                monthCount: monthCount,
+                interpolate: interpolate
+            )
+            let categoryId = categoryBySource[sourceId]
+            for i in 0..<monthCount {
+                guard let v = dense[i] else { continue }
+                monthTotals[i] += v
+                if let categoryId {
+                    monthCategory[i][categoryId, default: 0] += v
+                    categoryTotals[categoryId, default: 0] += v
+                }
+            }
         }
 
         var evolution: [(date: Date, value: Decimal)] = []
-        evolution.reserveCapacity(groupedByMonth.count)
+        evolution.reserveCapacity(monthCount)
         var series: [(date: Date, valuesByCategory: [UUID: Decimal])] = []
-        series.reserveCapacity(groupedByMonth.count)
-        var categoryTotals: [UUID: Decimal] = [:]
-
-        for (key, monthSnapshots) in groupedByMonth {
-            var latestBySource: [UUID: Snapshot] = [:]
-            for snapshot in monthSnapshots {
-                guard let sourceId = snapshot.source?.id else { continue }
-                if let existing = latestBySource[sourceId] {
-                    if snapshot.date > existing.date {
-                        latestBySource[sourceId] = snapshot
-                    }
-                } else {
-                    latestBySource[sourceId] = snapshot
-                }
-            }
-
-            var total: Decimal = 0
-            var valuesByCategory: [UUID: Decimal] = [:]
-
-            for snapshot in latestBySource.values {
-                let value = snapshot.decimalValue
-                total += value
-                if let categoryId = snapshot.source?.category?.id {
-                    valuesByCategory[categoryId, default: 0] += value
-                    categoryTotals[categoryId, default: 0] += value
-                }
-            }
-
-            let date = Calendar.current.date(from: key) ?? Date()
-            evolution.append((date: date, value: total))
-            series.append((date: date, valuesByCategory: valuesByCategory))
+        series.reserveCapacity(monthCount)
+        for i in 0..<monthCount {
+            let date = calendar.date(from: sortedMonthKeys[i]) ?? Date()
+            evolution.append((date: date, value: monthTotals[i]))
+            series.append((date: date, valuesByCategory: monthCategory[i]))
         }
 
-        evolution.sort { $0.date < $1.date }
-        series.sort { $0.date < $1.date }
-
         return EvolutionSummary(
             evolutionData: evolution,
             categorySeries: series,
@@ -661,80 +695,81 @@ class DashboardViewModel: ObservableObject {
         sourcesNeedingUpdate.count
     }
 
+    /// Total number of missing months across all detected internal gaps.
+    var totalMissingMonths: Int {
+        SnapshotGapDetector.totalMissingMonths(dataGaps)
+    }
+
+    /// Resolves an InvestmentSource for a detected gap so the fill flow can open
+    /// the add-snapshot sheet for it.
+    func source(withId id: UUID) -> InvestmentSource? {
+        sourceRepository.sources.first { $0.id == id }
+    }
+
+    /// Builds the data for the shareable monthly summary card from already-computed
+    /// dashboard state. Mood/rating come from the latest completed check-in entry.
+    func monthlySummaryShareData() -> ShareService.MonthlySummaryShareData {
+        let monthLabel: String = {
+            let formatter = DateFormatter()
+            formatter.dateFormat = "MMMM yyyy"
+            let date = MonthlyCheckInStore.latestCompletionDate() ?? Date()
+            return formatter.string(from: date)
+        }()
+
+        let latestEntry = MonthlyCheckInStore.latestCompletionDate()
+            .flatMap { MonthlyCheckInStore.entry(for: $0) }
+
+        return ShareService.MonthlySummaryShareData(
+            monthLabel: monthLabel,
+            totalValue: portfolioSummary.formattedTotalValue,
+            changeAmount: latestPortfolioChange.formattedAbsolute,
+            changePercentage: latestPortfolioChange.formattedPercentage,
+            isPositive: latestPortfolioChange.absolute >= 0,
+            streak: updateStreak,
+            mood: latestEntry?.mood,
+            rating: latestEntry?.rating
+        )
+    }
+
+    /// Prioritized, on-device insights. Gathers local inputs and delegates the
+    /// rules to `InsightsEngine` (no network / no AI).
     var insights: [PortfolioInsight] {
-        var result: [PortfolioInsight] = []
-        guard portfolioSummary.totalValue > 0 else { return result }
         let total = portfolioSummary.totalValue
+        guard total > 0 else { return [] }
 
-        // 1. Milestone approaching (within 10% of next round milestone)
-        let milestones: [Decimal] = [1000, 2500, 5000, 10000, 25000, 50000,
-                                      100000, 250000, 500000, 1_000_000,
-                                      2_500_000, 5_000_000, 10_000_000]
-        if let next = milestones.first(where: { $0 > total }) {
-            let pct = NSDecimalNumber(decimal: total / next).doubleValue
-            if pct >= 0.90 {
-                let gap = next - total
-                let gapStr = CurrencyFormatter.format(gap, style: .currency, maximumFractionDigits: 0)
-                let msStr = CurrencyFormatter.format(next, style: .currency, maximumFractionDigits: 0)
-                result.append(PortfolioInsight(
-                    id: "milestone",
-                    systemImage: "flag.checkered",
-                    title: String(localized: "insight_milestone_title"),
-                    value: String(format: String(localized: "insight_milestone_value"), gapStr, msStr),
-                    accentColor: .orange
-                ))
-            }
+        let categorySlices: [InsightsEngine.CategorySlice] = categoryMetrics.map { cat in
+            InsightsEngine.CategorySlice(
+                name: cat.categoryName,
+                percentageOfPortfolio: cat.percentageOfPortfolio,
+                targetPercentage: AllocationTargetStore.target(for: cat.id),
+                returnPercentage: NSDecimalNumber(decimal: cat.metrics.percentageReturn).doubleValue
+            )
         }
 
-        // 2. Year-to-date performance
-        let ytdPct = portfolioSummary.yearChangePercentage
-        if abs(ytdPct) >= 0.1 {
-            let icon = ytdPct >= 0 ? "arrow.up.right.circle.fill" : "arrow.down.right.circle.fill"
-            result.append(PortfolioInsight(
-                id: "ytd",
-                systemImage: icon,
-                title: String(localized: "insight_ytd_title"),
-                value: String(format: "%+.1f%%", ytdPct),
-                accentColor: ytdPct >= 0 ? .positiveGreen : .negativeRed
-            ))
+        let sources = filteredSources()
+        let totalDouble = NSDecimalNumber(decimal: total).doubleValue
+        let sourceSlices: [InsightsEngine.SourceSlice] = sources.compactMap { source in
+            let value = NSDecimalNumber(decimal: source.latestValue).doubleValue
+            guard value > 0, totalDouble > 0 else { return nil }
+            return InsightsEngine.SourceSlice(
+                name: source.name,
+                percentageOfPortfolio: value / totalDouble * 100
+            )
         }
 
-        // 3. All-time market gains
-        let gains = portfolioSummary.allTimeReturn
-        if gains > 0 {
-            let gainStr = CurrencyFormatter.format(gains, style: .currency, maximumFractionDigits: 0)
-            result.append(PortfolioInsight(
-                id: "market_gains",
-                systemImage: "chart.line.uptrend.xyaxis",
-                title: String(localized: "insight_market_gains_title"),
-                value: String(format: String(localized: "insight_market_gains_value"), gainStr),
-                accentColor: .appPrimary
-            ))
-        }
+        let input = InsightsEngine.Input(
+            totalValue: total,
+            categories: categorySlices,
+            sources: sourceSlices,
+            fundedCategoryCount: categoryMetrics.filter { $0.totalValue > 0 }.count,
+            fundedSourceCount: sourceSlices.count,
+            yearChangePercentage: portfolioSummary.yearChangePercentage,
+            allTimeReturn: portfolioSummary.allTimeReturn,
+            updateStreak: updateStreak,
+            forecast: portfolioForecast
+        )
 
-        // 4. Tracking streak (>= 3 months)
-        if updateStreak >= 3 {
-            result.append(PortfolioInsight(
-                id: "streak",
-                systemImage: "flame.fill",
-                title: String(localized: "insight_streak_title"),
-                value: String(format: String(localized: "insight_streak_value"), updateStreak),
-                accentColor: .orange
-            ))
-        }
-
-        // 5. Forecast
-        if let forecast = portfolioForecast, forecast.forecastValue > total {
-            result.append(PortfolioInsight(
-                id: "forecast",
-                systemImage: "wand.and.stars",
-                title: String(localized: "insight_forecast_title"),
-                value: "\(forecast.formattedForecastValue) · \(forecast.formattedForecastDate)",
-                accentColor: .purple
-            ))
-        }
-
-        return result
+        return InsightsEngine.makeInsights(input)
     }
 
     var topCategories: [CategoryMetrics] {
@@ -774,4 +809,15 @@ class DashboardViewModel: ObservableObject {
     var formattedLastUpdate: String {
         portfolioSummary.lastUpdated?.friendlyDescription ?? "Not yet"
     }
+
+    /// Absolute last-check-in date (e.g. "7 Aug 2026") for the share card — an
+    /// outsider needs a concrete date, not "2 days ago".
+    var shareAsOfDate: String? {
+        guard let date = portfolioSummary.lastUpdated else { return nil }
+        let f = DateFormatter()
+        f.locale = .autoupdatingCurrent
+        f.dateStyle = .medium
+        f.timeStyle = .none
+        return f.string(from: date)
+    }
 }

PortfolioJournal/ViewModels/GoalsViewModel.swift

@@ -166,70 +166,62 @@ class GoalsViewModel: ObservableObject {
     }
 
     func estimateCompletionDate(for goal: Goal) -> Date? {
-        // Performance: Use cached completion date if available
-        if let cached = cachedCompletionDates[goal.id] {
+        projection(for: goal).projectedDate
+    }
+
+    /// Full forward projection for a goal, blending recent growth trend with the
+    /// monthly contributions of the relevant sources. Cached per goal.
+    func projection(for goal: Goal) -> GoalProjection.Result {
+        let sources = relevantSources(for: goal)
+        let currentValue = totalValue(for: goal)
+
+        guard !sources.isEmpty else {
+            let cached = GoalProjection.Result(
+                projectedDate: nil, monthsToReach: nil,
+                status: goal.targetDate == nil ? .noTargetDate : .unreachable,
+                monthlyGrowthRate: 0, sparkline: []
+            )
+            cachedCompletionDates[goal.id] = nil
             return cached
         }
 
-        let sources: [InvestmentSource]
+        let evolutionData = evolutionData(for: goal, sources: sources)
+        let rate = GoalProjection.monthlyGrowthRate(from: evolutionData)
+        let contribution = sources.reduce(Decimal.zero) {
+            $0 + ($1.monthlyContribution?.decimalValue ?? .zero)
+        }
+
+        let result = GoalProjection.project(
+            currentValue: currentValue,
+            targetAmount: goal.targetDecimal,
+            monthlyGrowthRate: rate,
+            monthlyContribution: contribution,
+            targetDate: goal.targetDate
+        )
+        cachedCompletionDates[goal.id] = result.projectedDate
+        return result
+    }
+
+    private func relevantSources(for goal: Goal) -> [InvestmentSource] {
         if let accountId = goal.account?.safeId {
-            sources = sourceRepository.sources.filter { $0.account?.id == accountId }
-        } else {
-            sources = sourceRepository.sources
+            return sourceRepository.sources.filter { $0.account?.id == accountId }
+        }
+        return sourceRepository.sources
+    }
+
+    private func evolutionData(
+        for goal: Goal,
+        sources: [InvestmentSource]
+    ) -> [(date: Date, value: Decimal)] {
+        let cacheKey = goal.account?.safeId ?? UUID(uuidString: "00000000-0000-0000-0000-000000000000")!
+        if let cached = cachedEvolutionData[cacheKey] {
+            return cached
         }
         let sourceIds = sources.compactMap { $0.id }
-        guard !sourceIds.isEmpty else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        // Performance: Use cached evolution data if available
-        let cacheKey = goal.account?.safeId ?? UUID(uuidString: "00000000-0000-0000-0000-000000000000")!
-        let evolutionData: [(date: Date, value: Decimal)]
-        if let cached = cachedEvolutionData[cacheKey] {
-            evolutionData = cached
-        } else {
-            let snapshots = snapshotRepository.fetchSnapshots(
-                for: sourceIds,
-                months: maxHistoryMonths
-            )
-            evolutionData = calculateEvolutionData(from: snapshots)
-            cachedEvolutionData[cacheKey] = evolutionData
-        }
-
-        guard evolutionData.count >= 3,
-              let first = evolutionData.suffix(6).first,
-              let last = evolutionData.suffix(6).last else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        let monthsBetween = max(1, first.date.monthsBetween(last.date))
-        let delta = last.value - first.value
-        guard delta > 0 else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        let monthlyGain = delta / Decimal(monthsBetween)
-        guard monthlyGain > 0 else {
-            cachedCompletionDates[goal.id] = nil
-            return nil
-        }
-
-        let currentValue = totalValue(for: goal)
-        let remaining = goal.targetDecimal - currentValue
-        guard remaining > 0 else {
-            let result = Date()
-            cachedCompletionDates[goal.id] = result
-            return result
-        }
-
-        let months = NSDecimalNumber(decimal: remaining / monthlyGain).doubleValue
-        let monthsRounded = Int(ceil(months))
-        let result = Calendar.current.date(byAdding: .month, value: monthsRounded, to: last.date)
-        cachedCompletionDates[goal.id] = result
-        return result
+        let snapshots = snapshotRepository.fetchSnapshots(for: sourceIds, months: maxHistoryMonths)
+        let data = calculateEvolutionData(from: snapshots)
+        cachedEvolutionData[cacheKey] = data
+        return data
     }
 
     private func calculateEvolutionData(from snapshots: [Snapshot]) -> [(date: Date, value: Decimal)] {

PortfolioJournal/ViewModels/SettingsViewModel.swift

@@ -36,6 +36,8 @@ class SettingsViewModel: ObservableObject {
     @Published var backupRetentionCount = 10
     @Published var backups: [BackupRecord] = []
     @Published var backupsEnabled = false
+    /// Auto-backup cadence in days: 0 = off, 1 = daily, 7 = weekly, 30 = monthly.
+    @Published var autoBackupFrequencyDays = 0
 
     // MARK: - Dependencies
 
@@ -96,6 +98,7 @@ class SettingsViewModel: ObservableObject {
         inputMode = InputMode(rawValue: settings.inputMode) ?? .simple
         backupRetentionCount = loadBackupRetention()
         backupsEnabled = loadBackupsEnabled()
+        autoBackupFrequencyDays = UserDefaults.standard.integer(forKey: "autoBackupFrequencyDays")
         if backupsEnabled {
             refreshBackups()
         } else {
@@ -353,6 +356,7 @@ class SettingsViewModel: ObservableObject {
             if accountCount == 0 {
                 let defaultCurrency = AppSettings.getOrCreate(in: context).currency
                 let account = Account(context: context)
+                account.id = Account.defaultAccountStableID
                 account.name = Account.defaultAccountName
                 account.currency = defaultCurrency
                 account.inputMode = InputMode.simple.rawValue
@@ -394,6 +398,19 @@ class SettingsViewModel: ObservableObject {
         backups = BackupService.shared.listAllBackups(includeICloud: includeICloud)
     }
 
+    /// Auto-backup cadence (0 = off). Running one immediately when enabled gives
+    /// instant feedback that it works.
+    func updateAutoBackupFrequency(_ days: Int) {
+        guard backupsEnabled, isPremium else { return }
+        autoBackupFrequencyDays = days
+        UserDefaults.standard.set(days, forKey: "autoBackupFrequencyDays")
+        if days > 0 { createBackupNow() }
+    }
+
+    var lastAutoBackupDate: Date? {
+        UserDefaults.standard.object(forKey: "lastAutoBackupDate") as? Date
+    }
+
     func createBackupNow() {
         guard backupsEnabled, isPremium else { return }
         guard !isBackupInProgress else { return }

PortfolioJournal/ViewModels/SnapshotFormViewModel.swift

@@ -41,9 +41,14 @@ class SnapshotFormViewModel: ObservableObject {
 
     // MARK: - Initialization
 
-    init(source: InvestmentSource, mode: Mode = .add) {
+    init(source: InvestmentSource, mode: Mode = .add, initialDate: Date? = nil) {
         self.source = source
         self.mode = mode
+        if case .add = mode, let initialDate {
+            // Prefill for filling a specific missing month (gap fill flow).
+            // Clamp to today so the date picker's `...Date()` bound holds.
+            date = min(initialDate, Date())
+        }
         let settings = AppSettings.getOrCreate(in: CoreDataStack.shared.viewContext)
         if let accountCurrency = source.account?.currency, !accountCurrency.isEmpty {
             currencyCode = accountCurrency

PortfolioJournal/ViewModels/SourceListViewModel.swift

@@ -198,10 +198,6 @@ class SourceListViewModel: ObservableObject {
         totalValue.currencyString
     }
 
-    var sourcesByCategory: [Category: [InvestmentSource]] {
-        Dictionary(grouping: sources) { $0.category ?? categories.first! }
-    }
-
     var isEmpty: Bool {
         sources.isEmpty && searchText.isEmpty && selectedCategoryIds.isEmpty
     }

PortfolioJournal/Views/Charts/AllocationPieChart.swift

@@ -5,8 +5,16 @@ struct AllocationPieChart: View {
     let data: [(category: String, value: Decimal, color: String)]
     var title: String = "Asset Allocation"
     var showsTargetsComparison: Bool = true
+    /// Drill-down: tapping the chevron on a legend row jumps to Evolution
+    /// filtered to that category/source.
+    var onDrillDown: ((String) -> Void)? = nil
 
     @State private var selectedSlice: String?
+    @Environment(\.horizontalSizeClass) private var horizontalSizeClass
+
+    private var chartHeight: CGFloat {
+        horizontalSizeClass == .regular ? 190 : 130
+    }
 
     var total: Decimal {
         data.reduce(Decimal.zero) { $0 + $1.value }
@@ -18,83 +26,62 @@ struct AllocationPieChart: View {
                 .font(.headline)
 
             if !data.isEmpty {
-                HStack(alignment: .top, spacing: 20) {
-                    // Pie Chart
-                    Chart(data, id: \.category) { item in
-                        SectorMark(
-                            angle: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue),
-                            innerRadius: .ratio(0.6),
-                            angularInset: 1.5
-                        )
-                        .foregroundStyle(Color(hex: item.color) ?? .gray)
-                        .cornerRadius(4)
-                        .opacity(selectedSlice == nil || selectedSlice == item.category ? 1 : 0.5)
-                    }
-                    .chartLegend(.hidden)
-                    .frame(width: 180, height: 180)
-                    .overlay {
-                        // Center content
-                        VStack(spacing: 2) {
-                            if let selected = selectedSlice,
-                               let item = data.first(where: { $0.category == selected }) {
-                                Text(selected)
-                                    .font(.caption)
-                                    .foregroundColor(.secondary)
-                                Text(item.value.compactCurrencyString)
-                                    .font(.headline)
-                                let percentage = total > 0
-                                    ? NSDecimalNumber(decimal: item.value / total).doubleValue * 100
-                                    : 0
-                                Text(String(format: "%.1f%%", percentage))
-                                    .font(.caption)
-                                    .foregroundColor(.secondary)
-                            } else {
-                                Text("Total")
-                                    .font(.caption)
-                                    .foregroundColor(.secondary)
-                                Text(total.compactCurrencyString)
-                                    .font(.headline)
-                            }
-                        }
-                    }
-                    .gesture(
-                        DragGesture(minimumDistance: 0)
-                            .onChanged { value in
-                                // Simple tap detection
-                            }
+                HStack(alignment: .center, spacing: 24) {
+                    // Hemicycle (parliament-style) allocation gauge — fills its
+                    // half of the row so it scales up on iPad instead of sitting
+                    // tiny in a corner.
+                    SemicircleAllocation(
+                        data: data,
+                        total: total,
+                        selectedSlice: $selectedSlice
                     )
+                    .frame(maxWidth: .infinity)
+                    .frame(height: chartHeight)
 
                     // Legend
-                    VStack(alignment: .leading, spacing: 8) {
+                    VStack(alignment: .leading, spacing: 10) {
                         ForEach(data, id: \.category) { item in
-                            Button {
-                                if selectedSlice == item.category {
-                                    selectedSlice = nil
-                                } else {
-                                    selectedSlice = item.category
-                                }
-                            } label: {
-                                HStack(spacing: 8) {
-                                    Circle()
-                                        .fill(Color(hex: item.color) ?? .gray)
-                                        .frame(width: 10, height: 10)
-
-                                    VStack(alignment: .leading, spacing: 0) {
-                                        Text(item.category)
-                                            .font(.caption)
-                                            .foregroundColor(.primary)
-
-                                        let percentage = total > 0
-                                            ? NSDecimalNumber(decimal: item.value / total).doubleValue * 100
-                                            : 0
-                                        Text(String(format: "%.1f%%", percentage))
-                                            .font(.caption2)
-                                            .foregroundColor(.secondary)
+                            HStack(spacing: 6) {
+                                Button {
+                                    if selectedSlice == item.category {
+                                        selectedSlice = nil
+                                    } else {
+                                        selectedSlice = item.category
                                     }
+                                } label: {
+                                    HStack(spacing: 8) {
+                                        Circle()
+                                            .fill(Color(hex: item.color) ?? .gray)
+                                            .frame(width: 11, height: 11)
+
+                                        VStack(alignment: .leading, spacing: 0) {
+                                            Text(item.category)
+                                                .font(.subheadline)
+                                                .foregroundColor(.primary)
+
+                                            let percentage = total > 0
+                                                ? NSDecimalNumber(decimal: item.value / total).doubleValue * 100
+                                                : 0
+                                            Text(String(format: "%.1f%%", percentage))
+                                                .font(.caption)
+                                                .foregroundColor(.secondary)
+                                        }
+                                    }
+                                    .opacity(selectedSlice == nil || selectedSlice == item.category ? 1 : 0.5)
+                                }
+                                .buttonStyle(.plain)
+
+                                if let onDrillDown {
+                                    Button {
+                                        onDrillDown(item.category)
+                                    } label: {
+                                        Image(systemName: "chevron.right.circle.fill")
+                                            .font(.footnote)
+                                            .foregroundColor(.secondary.opacity(0.6))
+                                    }
+                                    .buttonStyle(.plain)
                                 }
-                                .opacity(selectedSlice == nil || selectedSlice == item.category ? 1 : 0.5)
                             }
-                            .buttonStyle(.plain)
                         }
                     }
                     .frame(maxWidth: .infinity, alignment: .leading)
@@ -117,6 +104,116 @@ struct AllocationPieChart: View {
     }
 }
 
+// MARK: - Semicircle (hemicycle) allocation gauge
+
+/// Parliament-style half-donut: segments sweep the top 180°, sized by share.
+struct SemicircleAllocation: View {
+    let data: [(category: String, value: Decimal, color: String)]
+    let total: Decimal
+    @Binding var selectedSlice: String?
+
+    /// Cumulative start/end fractions [0,1] for each segment across the 180° arc.
+    private var segments: [(category: String, start: Double, end: Double, color: Color)] {
+        guard total > 0 else { return [] }
+        var acc = 0.0
+        return data.map { item in
+            let frac = NSDecimalNumber(decimal: item.value / total).doubleValue
+            let start = acc
+            acc += frac
+            return (item.category, start, min(acc, 1), Color(hex: item.color) ?? .gray)
+        }
+    }
+
+    private var centerItem: (label: String, value: String, sub: String?)? {
+        if let selected = selectedSlice, let item = data.first(where: { $0.category == selected }) {
+            let pct = total > 0 ? NSDecimalNumber(decimal: item.value / total).doubleValue * 100 : 0
+            return (selected, item.value.compactCurrencyString, String(format: "%.1f%%", pct))
+        }
+        return (String(localized: "allocation_total"), total.compactCurrencyString, nil)
+    }
+
+    var body: some View {
+        GeometryReader { geo in
+            // The semicircle is 2:1 (width:height). Fit it to whichever
+            // dimension binds so it scales up on iPad without clipping.
+            let w = min(geo.size.width, geo.size.height * 2)
+            let lineWidth = w * 0.17
+            let radius = (w - lineWidth) / 2
+            let center = CGPoint(x: geo.size.width / 2, y: (geo.size.height + w / 2) / 2)
+
+            ZStack {
+                // Track
+                SemicircleArc(startFraction: 0, endFraction: 1, radius: radius, center: center)
+                    .stroke(Color(.systemGray5), style: StrokeStyle(lineWidth: lineWidth, lineCap: .butt))
+
+                ForEach(segments, id: \.category) { seg in
+                    SemicircleArc(startFraction: seg.start, endFraction: seg.end, radius: radius, center: center, inset: 0.006)
+                        .stroke(seg.color, style: StrokeStyle(lineWidth: lineWidth, lineCap: .butt))
+                        .opacity(selectedSlice == nil || selectedSlice == seg.category ? 1 : 0.4)
+                        .contentShape(SemicircleArc(startFraction: seg.start, endFraction: seg.end, radius: radius, center: center).stroke(style: StrokeStyle(lineWidth: lineWidth)))
+                        .onTapGesture {
+                            selectedSlice = (selectedSlice == seg.category) ? nil : seg.category
+                        }
+                }
+
+                // Percentage labels on the arc band (only where the slice is wide
+                // enough to fit the text).
+                ForEach(segments, id: \.category) { seg in
+                    let frac = seg.end - seg.start
+                    if frac >= 0.07 {
+                        let mid = (seg.start + seg.end) / 2
+                        let angle = (180 + mid * 180) * .pi / 180
+                        let pos = CGPoint(x: center.x + radius * CoreGraphics.cos(angle),
+                                          y: center.y + radius * CoreGraphics.sin(angle))
+                        Text("\(Int((frac * 100).rounded()))%")
+                            .font(.system(size: lineWidth * 0.42, weight: .bold))
+                            .foregroundColor(.white)
+                            .position(pos)
+                            .opacity(selectedSlice == nil || selectedSlice == seg.category ? 1 : 0.4)
+                    }
+                }
+
+                // Center readout, sitting just under the arc
+                if let c = centerItem {
+                    VStack(spacing: 1) {
+                        Text(c.label)
+                            .font(.caption2)
+                            .foregroundColor(.secondary)
+                            .lineLimit(1)
+                        Text(c.value)
+                            .font(.headline)
+                        if let sub = c.sub {
+                            Text(sub)
+                                .font(.caption2)
+                                .foregroundColor(.secondary)
+                        }
+                    }
+                    .position(x: center.x, y: center.y - lineWidth * 0.25)
+                }
+            }
+        }
+    }
+}
+
+/// An arc along the TOP semicircle, parameterized by fraction [0,1] of the 180°
+/// sweep (0 = left/9 o'clock, 1 = right/3 o'clock, passing through the top).
+struct SemicircleArc: Shape {
+    let startFraction: Double
+    let endFraction: Double
+    let radius: CGFloat
+    var center: CGPoint? = nil
+    var inset: Double = 0
+
+    func path(in rect: CGRect) -> Path {
+        let c = center ?? CGPoint(x: rect.width / 2, y: rect.width / 2)
+        let start = Angle.degrees(180 + (startFraction + inset) * 180)
+        let end = Angle.degrees(180 + (endFraction - inset) * 180)
+        var p = Path()
+        p.addArc(center: c, radius: radius, startAngle: start, endAngle: end, clockwise: false)
+        return p
+    }
+}
+
 // MARK: - Allocation Targets Comparison
 
 struct AllocationTargetsComparisonChart: View {

PortfolioJournal/Views/Charts/ChartValueLabels.swift

@@ -11,6 +11,34 @@ enum ChartLabels {
     /// A series with at most this many points shows its value labels permanently.
     static let alwaysShowThreshold = 12
 
+    /// Max permanent labels to render before thinning — fewer on the narrow
+    /// iPhone screen where crammed labels overlap and become unreadable.
+    static func maxLabels(compact: Bool) -> Int { compact ? 5 : 8 }
+
+    /// Stride between labelled points so at most `maxLabels` show.
+    static func stride(count: Int, compact: Bool) -> Int {
+        let maxN = maxLabels(compact: compact)
+        guard count > maxN else { return 1 }
+        return Int(ceil(Double(count) / Double(maxN)))
+    }
+
+    /// Whether point `index` should carry a permanent label: always the first
+    /// and last (the endpoints matter most), plus every `stride`-th in between.
+    /// On iPhone (compact) permanent labels collide with the axis on the narrow
+    /// screen, so only the endpoint keeps its label — exact values live in the
+    /// scrub header instead.
+    static func showsLabel(index: Int, count: Int, compact: Bool) -> Bool {
+        guard count > 0 else { return false }
+        if compact {
+            return count <= 6 ? true : index == count - 1
+        }
+        if index == 0 || index == count - 1 { return true }
+        let s = stride(count: count, compact: compact)
+        // Avoid a label landing right next to the forced last one.
+        if index >= count - 1 - (s / 2) { return false }
+        return index % s == 0
+    }
+
     static func compactCurrency(_ value: Decimal) -> String {
         value.compactCurrencyString
     }

PortfolioJournal/Views/Charts/ChartZoom.swift

@@ -1,149 +1,422 @@
 import SwiftUI
 import Charts
+import UIKit
 
-// MARK: - Time-series chart zoom
+// MARK: - Time-series chart zoom (window model)
 //
-// Shared zoom behavior for every chart with a Date X axis. Default state is
-// "fit all" (no behavior change); zooming in narrows the visible X domain and
-// enables horizontal scrolling so the user can pan through history. Zoom is
-// driven by pinch (magnification) and by explicit +/- buttons for
-// discoverability and accessibility (HIG: never make gestures the only way).
+// Shared VISUAL zoom for every chart with a Date X axis: pinch anchored on the
+// window center, native horizontal pan once zoomed, double-tap to reset.
+//
+// The DATA range is a separate, global concern: the range brush
+// (`ChartRangeBrush`) lives in the period bar and drives
+// `ChartsViewModel.customRange`, filtering every chart at once. Keeping it out
+// of the chart content also keeps it out of the chart-swipe gesture's reach.
 
-/// View-side zoom state for a time-series chart. `visibleSpan == nil` means fit-all.
+/// View-side window state for a time-series chart. `spanSeconds == nil` means fit-all.
 struct ChartZoomModel {
-    /// Currently visible X-domain length in seconds; nil = show everything.
-    var visibleSpan: TimeInterval?
-    /// Span captured when a pinch gesture begins.
-    var pinchAnchor: TimeInterval?
-
-    init() {
-        visibleSpan = nil
-        pinchAnchor = nil
-    }
+    /// Visible X-domain length in seconds; nil = show everything.
+    var spanSeconds: TimeInterval?
+    /// Start of the visible window (chart scroll position).
+    var startX: Date = .distantPast
+    /// (span, center) captured when a pinch begins.
+    var pinchAnchor: (span: TimeInterval, center: Date)?
 
     static let minSpan: TimeInterval = 60 * 60 * 24 * 45      // ~1.5 months
-    private static let zoomStep = 0.6                         // per button tap
+    /// Padding after the last point so it isn't clipped at the window edge.
+    static let endPadding: TimeInterval = 60 * 60 * 24 * 15   // half month
+
+    init() {}
+
+    var isZoomed: Bool { spanSeconds != nil }
+
+    /// The currently visible window, given the full data domain.
+    func visibleWindow(dates: [Date]) -> ClosedRange<Date>? {
+        guard let first = dates.first, let last = dates.last else { return nil }
+        guard let span = spanSeconds else { return first...last }
+        let start = max(first, min(startX, last))
+        let end = min(last, start.addingTimeInterval(span))
+        return start <= end ? start...end : first...last
+    }
 
     func clamped(_ span: TimeInterval, fullSpan: TimeInterval) -> TimeInterval? {
-        let upper = max(fullSpan, Self.minSpan)
+        let upper = max(fullSpan + Self.endPadding, Self.minSpan)
         let clamped = min(max(span, Self.minSpan), upper)
         // Snap back to fit-all when zoomed (almost) fully out.
         return clamped >= upper * 0.98 ? nil : clamped
     }
 
-    mutating func zoomIn(fullSpan: TimeInterval) {
-        let current = visibleSpan ?? fullSpan
-        visibleSpan = clamped(current * Self.zoomStep, fullSpan: fullSpan)
-    }
-
-    mutating func zoomOut(fullSpan: TimeInterval) {
-        guard let current = visibleSpan else { return }
-        visibleSpan = clamped(current / Self.zoomStep, fullSpan: fullSpan)
-    }
-
     mutating func reset() {
-        visibleSpan = nil
+        spanSeconds = nil
+        pinchAnchor = nil
     }
 }
 
+// MARK: - Haptics
+
+enum ChartHaptics {
+    private static let selection = UISelectionFeedbackGenerator()
+    private static let impact = UIImpactFeedbackGenerator(style: .light)
+
+    static func tick() { selection.selectionChanged() }
+    static func bump() { impact.impactOccurred() }
+}
+
 extension View {
-    /// Applies zoomable behavior to a Chart with a Date X axis.
-    /// - Parameters:
-    ///   - dates: the full set of X values (used to compute the total span)
-    ///   - zoom: binding to the chart's zoom state
+    /// Applies zoomable window behavior to a Chart with a Date X axis.
     @ViewBuilder
     func zoomableTimeSeries(dates: [Date], zoom: Binding<ChartZoomModel>) -> some View {
-        let fullSpan = ChartZoomHelper.fullSpan(of: dates)
-        self
-            .modifier(ZoomDomainModifier(zoom: zoom, fullSpan: fullSpan))
-            .simultaneousGesture(
-                MagnifyGesture()
-                    .onChanged { value in
-                        var model = zoom.wrappedValue
-                        if model.pinchAnchor == nil {
-                            model.pinchAnchor = model.visibleSpan ?? fullSpan
-                        }
-                        if let anchor = model.pinchAnchor, value.magnification > 0 {
-                            model.visibleSpan = model.clamped(anchor / value.magnification, fullSpan: fullSpan)
-                        }
-                        zoom.wrappedValue = model
-                    }
-                    .onEnded { _ in
-                        zoom.wrappedValue.pinchAnchor = nil
-                    }
-            )
-            .overlay(alignment: .topTrailing) {
-                ChartZoomControls(zoom: zoom, fullSpan: fullSpan)
-            }
+        modifier(ZoomableTimeSeriesModifier(dates: dates, zoom: zoom))
     }
 }
 
-enum ChartZoomHelper {
-    static func fullSpan(of dates: [Date]) -> TimeInterval {
+private struct ZoomableTimeSeriesModifier: ViewModifier {
+    let dates: [Date]
+    @Binding var zoom: ChartZoomModel
+
+    private var fullSpan: TimeInterval {
         guard let min = dates.min(), let max = dates.max(), max > min else {
             return ChartZoomModel.minSpan
         }
         return max.timeIntervalSince(min)
     }
-}
-
-private struct ZoomDomainModifier: ViewModifier {
-    @Binding var zoom: ChartZoomModel
-    let fullSpan: TimeInterval
 
     func body(content: Content) -> some View {
-        if let span = zoom.visibleSpan {
-            content
-                .chartScrollableAxes(.horizontal)
-                .chartXVisibleDomain(length: span)
-        } else {
-            content
+        Group {
+            if let span = zoom.spanSeconds {
+                content
+                    .chartScrollableAxes(.horizontal)
+                    .chartXVisibleDomain(length: span)
+                    .chartScrollPosition(x: $zoom.startX)
+            } else {
+                content
+            }
         }
+        .simultaneousGesture(pinchGesture)
+        .simultaneousGesture(doubleTapGesture)
+    }
+
+    // Pinch anchored on the window center: the point you're looking at stays put.
+    private var pinchGesture: some Gesture {
+        MagnifyGesture()
+            .onChanged { value in
+                var model = zoom
+                if model.pinchAnchor == nil {
+                    let window = model.visibleWindow(dates: dates)
+                    let span = model.spanSeconds ?? (fullSpan + ChartZoomModel.endPadding)
+                    let center = window.map {
+                        $0.lowerBound.addingTimeInterval($0.upperBound.timeIntervalSince($0.lowerBound) / 2)
+                    } ?? Date()
+                    model.pinchAnchor = (span, center)
+                }
+                guard let anchor = model.pinchAnchor, value.magnification > 0 else { return }
+                let newSpan = model.clamped(anchor.span / value.magnification, fullSpan: fullSpan)
+                model.spanSeconds = newSpan
+                if let newSpan, let first = dates.first, let last = dates.last {
+                    let start = anchor.center.addingTimeInterval(-newSpan / 2)
+                    let maxStart = last.addingTimeInterval(-newSpan + ChartZoomModel.endPadding)
+                    model.startX = max(first, min(start, maxStart))
+                }
+                zoom = model
+            }
+            .onEnded { _ in
+                zoom.pinchAnchor = nil
+            }
+    }
+
+    private var doubleTapGesture: some Gesture {
+        TapGesture(count: 2)
+            .onEnded {
+                guard zoom.isZoomed else { return }
+                withAnimation(.snappy) { zoom.reset() }
+                ChartHaptics.bump()
+            }
     }
 }
 
-/// Compact +/- (and reset when zoomed) control cluster shown on top of the chart.
-struct ChartZoomControls: View {
-    @Binding var zoom: ChartZoomModel
-    let fullSpan: TimeInterval
+// MARK: - Range brush (full-history sparkline + month-snapping handles)
+//
+// Index-based over the months that actually have data. Bound to a
+// ClosedRange<Int> selection owned by the caller (the charts container maps it
+// to ChartsViewModel.customRange). Selecting everything = "no filter".
+
+struct ChartRangeBrush: View {
+    let dates: [Date]
+    let values: [Double]
+    @Binding var selection: ClosedRange<Int>
+
+    @State private var dragStartIndices: (lo: Int, hi: Int)?
+    @State private var dragTarget: DragTarget?
+    @State private var lastTickedIndex: Int = -1
+    @State private var showingPickers = false
+
+    /// What a drag manipulates, decided ONCE at touch-down by where it starts.
+    /// One unified gesture instead of per-element gestures: with a narrow
+    /// window (e.g. 2 months) the handles' hit areas used to swallow the whole
+    /// window and moving it was impossible.
+    private enum DragTarget { case lowerHandle, upperHandle, moveWindow }
+
+    private static let labelFormatter: DateFormatter = {
+        let f = DateFormatter()
+        f.locale = .autoupdatingCurrent
+        f.setLocalizedDateFormatFromTemplate("MMM yyyy")
+        return f
+    }()
+
+    private var clampedSelection: (lo: Int, hi: Int) {
+        guard !dates.isEmpty else { return (0, 0) }
+        let lo = max(0, min(selection.lowerBound, dates.count - 1))
+        let hi = max(lo, min(selection.upperBound, dates.count - 1))
+        return (lo, hi)
+    }
 
     var body: some View {
-        HStack(spacing: 0) {
-            controlButton(systemName: "minus.magnifyingglass", enabled: zoom.visibleSpan != nil) {
-                withAnimation(.easeOut(duration: 0.15)) { zoom.zoomOut(fullSpan: fullSpan) }
-            }
-            .accessibilityLabel(String(localized: "chart_zoom_out"))
-
-            Divider().frame(height: 16)
-
-            controlButton(systemName: "plus.magnifyingglass",
-                          enabled: (zoom.visibleSpan ?? fullSpan) > ChartZoomModel.minSpan) {
-                withAnimation(.easeOut(duration: 0.15)) { zoom.zoomIn(fullSpan: fullSpan) }
-            }
-            .accessibilityLabel(String(localized: "chart_zoom_in"))
-
-            if zoom.visibleSpan != nil {
-                Divider().frame(height: 16)
-                controlButton(systemName: "arrow.counterclockwise", enabled: true) {
-                    withAnimation(.easeOut(duration: 0.15)) { zoom.reset() }
-                }
-                .accessibilityLabel(String(localized: "chart_zoom_reset"))
+        VStack(spacing: 6) {
+            rangeLabel
+            GeometryReader { geo in
+                brushBody(width: geo.size.width)
             }
+            .frame(height: 44)
+        }
+        .sheet(isPresented: $showingPickers) {
+            ChartRangePickerSheet(dates: dates, selection: $selection)
+                .presentationDetents([.height(320)])
         }
-        .background(.ultraThinMaterial, in: Capsule())
-        .overlay(Capsule().stroke(Color.gray.opacity(0.2), lineWidth: 0.5))
-        .padding(6)
     }
 
-    private func controlButton(systemName: String, enabled: Bool, action: @escaping () -> Void) -> some View {
-        Button(action: action) {
-            Image(systemName: systemName)
-                .font(.system(size: 13, weight: .medium))
-                .foregroundColor(enabled ? .appPrimary : .secondary.opacity(0.4))
-                .frame(width: 32, height: 28)
-                .contentShape(Rectangle())
+    private var rangeLabel: some View {
+        let (lo, hi) = clampedSelection
+        return Button {
+            showingPickers = true
+        } label: {
+            HStack(spacing: 5) {
+                Text("\(Self.labelFormatter.string(from: dates[lo])) – \(Self.labelFormatter.string(from: dates[hi]))")
+                    .font(.caption.weight(.semibold))
+                    .foregroundColor(.appPrimary)
+                Image(systemName: "chevron.up.chevron.down")
+                    .font(.system(size: 8, weight: .semibold))
+                    .foregroundColor(.secondary)
+            }
         }
         .buttonStyle(.plain)
-        .disabled(!enabled)
+        .accessibilityLabel(String(localized: "chart_range_button"))
+    }
+
+    @ViewBuilder
+    private func brushBody(width: CGFloat) -> some View {
+        let (lo, hi) = clampedSelection
+        let xLo = xPosition(index: lo, width: width)
+        let xHi = xPosition(index: hi, width: width)
+
+        ZStack(alignment: .leading) {
+            // Full-history sparkline (widget-style: gradient line, no axes)
+            SparklinePath(values: values)
+                .stroke(
+                    LinearGradient(colors: [.appPrimary, .cyan],
+                                   startPoint: .leading, endPoint: .trailing),
+                    style: StrokeStyle(lineWidth: 1.8, lineCap: .round, lineJoin: .round)
+                )
+                .opacity(0.85)
+
+            // Dimming outside the window
+            Rectangle()
+                .fill(Color(.systemBackground).opacity(0.72))
+                .frame(width: max(0, xLo))
+            Rectangle()
+                .fill(Color(.systemBackground).opacity(0.72))
+                .frame(width: max(0, width - xHi))
+                .offset(x: xHi)
+
+            // Window frame
+            RoundedRectangle(cornerRadius: 6)
+                .stroke(Color.appPrimary.opacity(0.7), lineWidth: 1.4)
+                .background(
+                    RoundedRectangle(cornerRadius: 6).fill(Color.appPrimary.opacity(0.06))
+                )
+                .frame(width: max(10, xHi - xLo))
+                .offset(x: xLo)
+
+            // Handles (visual only — hit-testing lives in the unified gesture)
+            handle(at: xLo)
+            handle(at: xHi)
+        }
+        .contentShape(Rectangle())
+        .gesture(unifiedGesture(width: width))
+    }
+
+    private func handle(at x: CGFloat) -> some View {
+        Capsule()
+            .fill(Color.appPrimary)
+            .frame(width: 5, height: 26)
+            .overlay(
+                Capsule().stroke(Color(.systemBackground), lineWidth: 1.5)
+            )
+            .frame(height: 44)
+            .offset(x: x - 2.5)
+            .allowsHitTesting(false)
+    }
+
+    // MARK: Geometry helpers
+
+    private func xPosition(index: Int, width: CGFloat) -> CGFloat {
+        guard dates.count > 1 else { return 0 }
+        return width * CGFloat(index) / CGFloat(dates.count - 1)
+    }
+
+    private func index(atX x: CGFloat, width: CGFloat) -> Int {
+        guard dates.count > 1, width > 0 else { return 0 }
+        let frac = max(0, min(1, x / width))
+        return Int((frac * CGFloat(dates.count - 1)).rounded())
+    }
+
+    // MARK: Unified gesture
+    //
+    // Decided at touch-down: grabbing near a handle resizes that edge; grabbing
+    // anywhere else (inside the window OR on the dimmed history) slides the
+    // whole window keeping its width — select Jan–Mar, then swipe to land on
+    // Jun–Aug. Narrow windows stay movable because the edge grip only wins in
+    // its 18pt zone (from outside when the window is too narrow to share).
+
+    private func unifiedGesture(width: CGFloat) -> some Gesture {
+        DragGesture(minimumDistance: 1)
+            .onChanged { value in
+                let (lo, hi) = dragStartIndices ?? clampedSelection
+                if dragStartIndices == nil {
+                    dragStartIndices = (lo, hi)
+                    dragTarget = target(
+                        forX: value.startLocation.x,
+                        xLo: xPosition(index: lo, width: width),
+                        xHi: xPosition(index: hi, width: width)
+                    )
+                }
+                guard let target = dragTarget else { return }
+                var newLo = lo
+                var newHi = hi
+                switch target {
+                case .lowerHandle:
+                    newLo = min(index(atX: value.location.x, width: width), hi)
+                case .upperHandle:
+                    newHi = max(index(atX: value.location.x, width: width), lo)
+                case .moveWindow:
+                    let span = hi - lo
+                    let deltaIdx = Int((value.translation.width / max(width, 1) * CGFloat(dates.count - 1)).rounded())
+                    newLo = max(0, min(lo + deltaIdx, dates.count - 1 - span))
+                    newHi = newLo + span
+                }
+                let ticked = (target == .upperHandle) ? newHi : newLo
+                if ticked != lastTickedIndex {
+                    lastTickedIndex = ticked
+                    ChartHaptics.tick()
+                }
+                selection = newLo...newHi
+            }
+            .onEnded { _ in
+                dragStartIndices = nil
+                dragTarget = nil
+                lastTickedIndex = -1
+            }
+    }
+
+    private func target(forX x: CGFloat, xLo: CGFloat, xHi: CGFloat) -> DragTarget {
+        let grip: CGFloat = 18
+        let windowWidth = xHi - xLo
+        if windowWidth >= grip * 3 {
+            // Wide window: edges grab from either side of the handle.
+            if abs(x - xLo) <= grip { return .lowerHandle }
+            if abs(x - xHi) <= grip { return .upperHandle }
+        } else {
+            // Narrow window: the inside belongs to MOVE; edges only from outside.
+            if x < xLo && xLo - x <= grip { return .lowerHandle }
+            if x > xHi && x - xHi <= grip { return .upperHandle }
+        }
+        return .moveWindow
+    }
+}
+
+/// Minimal normalized line path for the brush background.
+private struct SparklinePath: Shape {
+    let values: [Double]
+
+    func path(in rect: CGRect) -> Path {
+        var path = Path()
+        guard values.count > 1 else { return path }
+        let minV = values.min() ?? 0
+        let maxV = values.max() ?? 1
+        let range = maxV - minV
+        let inset: CGFloat = 4
+        func point(_ i: Int) -> CGPoint {
+            let x = rect.width * CGFloat(i) / CGFloat(values.count - 1)
+            let norm = range > 0 ? (values[i] - minV) / range : 0.5
+            let y = inset + (rect.height - inset * 2) * (1 - CGFloat(norm))
+            return CGPoint(x: x, y: y)
+        }
+        path.move(to: point(0))
+        for i in 1..<values.count {
+            path.addLine(to: point(i))
+        }
+        return path
+    }
+}
+
+// MARK: - Precise month/year pickers
+
+/// Two wheel pickers over the months that actually have data — the precise,
+/// non-gesture way to land exactly on e.g. Feb–Mar 2025.
+struct ChartRangePickerSheet: View {
+    let dates: [Date]
+    @Binding var selection: ClosedRange<Int>
+    @Environment(\.dismiss) private var dismiss
+
+    @State private var fromIndex = 0
+    @State private var toIndex = 0
+
+    private static let optionFormatter: DateFormatter = {
+        let f = DateFormatter()
+        f.locale = .autoupdatingCurrent
+        f.setLocalizedDateFormatFromTemplate("MMMM yyyy")
+        return f
+    }()
+
+    var body: some View {
+        NavigationStack {
+            HStack(spacing: 0) {
+                picker(title: String(localized: "chart_range_from"), selection: $fromIndex)
+                picker(title: String(localized: "chart_range_to"), selection: $toIndex)
+            }
+            .navigationTitle(String(localized: "chart_range_button"))
+            .navigationBarTitleDisplayMode(.inline)
+            .toolbar {
+                ToolbarItem(placement: .confirmationAction) {
+                    Button("OK") {
+                        selection = min(fromIndex, toIndex)...max(fromIndex, toIndex)
+                        ChartHaptics.bump()
+                        dismiss()
+                    }
+                }
+            }
+        }
+        .onAppear {
+            fromIndex = max(0, min(selection.lowerBound, dates.count - 1))
+            toIndex = max(fromIndex, min(selection.upperBound, dates.count - 1))
+        }
+        .onChange(of: fromIndex) { _, new in
+            if new > toIndex { toIndex = new }
+        }
+        .onChange(of: toIndex) { _, new in
+            if new < fromIndex { fromIndex = new }
+        }
+    }
+
+    private func picker(title: String, selection: Binding<Int>) -> some View {
+        VStack(spacing: 2) {
+            Text(title)
+                .font(.caption.weight(.semibold))
+                .foregroundColor(.secondary)
+            Picker(title, selection: selection) {
+                ForEach(dates.indices, id: \.self) { i in
+                    Text(Self.optionFormatter.string(from: dates[i])).tag(i)
+                }
+            }
+            .pickerStyle(.wheel)
+        }
     }
 }

PortfolioJournal/Views/Charts/ChartsContainerView.swift

@@ -1,5 +1,6 @@
 import SwiftUI
 import Charts
+import TipKit
 
 struct ChartsContainerView: View {
     @EnvironmentObject var accountStore: AccountStore
@@ -87,6 +88,11 @@ struct ChartsContainerView: View {
 
                         chartToolbar
 
+                        if showRangeBrush && supportsGlobalRange {
+                            globalRangeBrush
+                                .transition(.opacity.combined(with: .move(edge: .top)))
+                        }
+
                         if !viewModel.isPremium {
                             CompactPaywallBanner(showingPaywall: $viewModel.showingPaywall)
                                 .onAppear {
@@ -388,8 +394,69 @@ struct ChartsContainerView: View {
                 ChartStat(label: "Bull case", value: lastPred.confidenceInterval.upper.compactCurrencyString, color: .positiveGreen),
                 ChartStat(label: "Bear case", value: lastPred.confidenceInterval.lower.compactCurrencyString, color: .negativeRed),
             ]
-        case .yearOverYear, .comparison, .simulator, .periodComparison:
-            // These charts carry their own comparison summaries inside the card.
+        case .comparison:
+            let series = viewModel.comparisonData
+            guard !series.isEmpty else { return [] }
+            // Rank sources by their latest value in the current display mode.
+            let ranked = series.compactMap { s -> (name: String, val: Double)? in
+                guard let last = s.points.last?.value else { return nil }
+                return (s.name, last)
+            }.sorted { $0.val > $1.val }
+            let unit = viewModel.comparisonDisplayMode == .absolute ? "" : "%"
+            func fmt(_ v: Double) -> String { unit.isEmpty ? Decimal(v).compactCurrencyString : String(format: "%+.1f%%", v) }
+            var stats: [ChartStat] = [ChartStat(label: "Series", value: "\(series.count)", color: .secondary)]
+            if let best = ranked.first {
+                stats.append(ChartStat(label: "Leader", value: "\(best.name) \(fmt(best.val))", color: .positiveGreen))
+            }
+            if ranked.count > 1, let worst = ranked.last {
+                stats.append(ChartStat(label: "Laggard", value: "\(worst.name) \(fmt(worst.val))", color: .negativeRed))
+            }
+            return stats
+        case .periodComparison:
+            let series = viewModel.periodComparisonData
+            guard !series.isEmpty else { return [] }
+            return series.map { s in
+                let end = s.points.last?.returnPct ?? 0
+                return ChartStat(label: s.label, value: String(format: "%+.1f%%", end),
+                                 color: end >= 0 ? .positiveGreen : .negativeRed)
+            }
+        case .yearOverYear:
+            let all = viewModel.yearOverYearData.sorted { $0.year < $1.year }
+            guard let latest = all.last else { return [] }
+            func endReturn(_ ys: ChartsViewModel.YearSeries) -> Double {
+                ys.forecastEndValue ?? (ys.values.compactMap { $0.isNaN ? nil : $0 }.last ?? 0)
+            }
+            let latestEnd = endReturn(latest)
+            var stats: [ChartStat] = [
+                ChartStat(label: "\(latest.year)", value: String(format: "%+.1f%%", latestEnd),
+                          color: latestEnd >= 0 ? .positiveGreen : .negativeRed)
+            ]
+            // Current year vs previous year (end-of-year return difference).
+            if all.count >= 2 {
+                let prev = all[all.count - 2]
+                let diff = latestEnd - endReturn(prev)
+                stats.append(ChartStat(
+                    label: String(format: String(localized: "yoy_vs_prev"), "\(prev.year)"),
+                    value: String(format: "%+.1f pp", diff),
+                    color: diff >= 0 ? .positiveGreen : .negativeRed))
+            }
+            // Best and worst full year on record.
+            if all.count >= 2 {
+                let ranked = all.map { ($0.year, endReturn($0)) }.sorted { $0.1 > $1.1 }
+                if let best = ranked.first {
+                    stats.append(ChartStat(label: String(localized: "yoy_best_year"),
+                                           value: "\(best.0) \(String(format: "%+.1f%%", best.1))",
+                                           color: .positiveGreen))
+                }
+                if let worst = ranked.last, worst.0 != ranked.first?.0 {
+                    stats.append(ChartStat(label: String(localized: "yoy_worst_year"),
+                                           value: "\(worst.0) \(String(format: "%+.1f%%", worst.1))",
+                                           color: .negativeRed))
+                }
+            }
+            return stats
+        case .simulator:
+            // The simulator carries its own live sliders and comparison inline.
             return []
         }
     }
@@ -430,7 +497,7 @@ struct ChartsContainerView: View {
             }
             Spacer()
             if viewModel.selectedChartType == .performance {
-                performanceSlider
+                performancePeriodPicker
                     .frame(maxWidth: 360)
             } else if !ranges.isEmpty {
                 Picker("Period", selection: $viewModel.selectedTimeRange) {
@@ -441,35 +508,55 @@ struct ChartsContainerView: View {
                 .pickerStyle(.segmented)
                 .frame(maxWidth: 360)
             }
+            if supportsGlobalRange {
+                rangeToggleButton
+            }
             shareButton
         }
         .padding(.horizontal, 4)
     }
 
-    private var performanceSlider: some View {
-        HStack(spacing: 10) {
-            Text("Period: \(periodLabel(viewModel.performancePeriodMonths))")
-                .font(.caption.weight(.medium))
-                .foregroundColor(.secondary)
-                .frame(width: 92, alignment: .leading)
-            Slider(
-                value: Binding(
-                    get: { Double(viewModel.performancePeriodMonths) },
-                    set: { viewModel.performancePeriodMonths = Int($0) }
-                ),
-                in: 1...60,
-                step: 1
-            )
-            .tint(.appPrimary)
+    /// Months of history actually available (distinct aggregated months). The
+    /// Performance period options never exceed this, so the control can't ask
+    /// for a window with no data.
+    private var availableHistoryMonths: Int {
+        max(1, viewModel.evolutionData.count)
+    }
+
+    /// Discrete period options (in months) capped to available data — mirrors
+    /// the segmented period control used by every other chart for consistency.
+    private var performancePeriodOptions: [(label: String, months: Int)] {
+        let candidates = [(3, "3M"), (6, "6M"), (12, "12M"), (24, "2Y")]
+        var opts = candidates.filter { $0.0 < availableHistoryMonths }.map { ($0.1, $0.0) }
+        opts.append(("All", availableHistoryMonths))  // full history
+        return opts.map { (label: $0.0, months: $0.1) }
+    }
+
+    private var performancePeriodPicker: some View {
+        Picker("Period", selection: Binding(
+            get: {
+                // Snap to the closest available option.
+                let m = viewModel.performancePeriodMonths
+                return performancePeriodOptions.min(by: { abs($0.months - m) < abs($1.months - m) })?.months
+                    ?? availableHistoryMonths
+            },
+            set: { viewModel.performancePeriodMonths = min($0, availableHistoryMonths) }
+        )) {
+            ForEach(performancePeriodOptions, id: \.months) { opt in
+                Text(opt.label).tag(opt.months)
+            }
         }
+        .pickerStyle(.segmented)
     }
 
     private var shareButton: some View {
         Button {
+            ChartShareTip().invalidate(reason: .actionPerformed)
             shareCurrentChart()
         } label: {
             Image(systemName: "square.and.arrow.up")
         }
+        .popoverTip(ChartShareTip())
         .disabled(!viewModel.hasData || viewModel.isLoading || selectedChartLocked)
         .accessibilityLabel(String(localized: "chart_share_button"))
     }
@@ -516,7 +603,8 @@ struct ChartsContainerView: View {
         ZStack {
             AppBackground()
             ScrollView {
-                VStack(spacing: 20) {
+                VStack(spacing: 16) {
+                    chartTypeChipBar
                     if !viewModel.isPremium {
                         CompactPaywallBanner(showingPaywall: $viewModel.showingPaywall)
                             .onAppear {
@@ -524,7 +612,14 @@ struct ChartsContainerView: View {
                             }
                     }
                     iPhonePeriodControl
+                    if hasActiveFilters {
+                        activeFilterChip
+                    }
+                    // No swipe-between-charts: it collided with every horizontal
+                    // interaction (scrub, pan, brush). The chip bar navigates.
                     chartContent
+                        .id(viewModel.selectedChartType)
+                        .transition(.opacity)
                     if viewModel.hiddenHistoryMonths > 0 {
                         lockedHistoryTeaser
                     }
@@ -535,26 +630,217 @@ struct ChartsContainerView: View {
         .sheet(isPresented: $viewModel.showingPaywall) { PaywallView() }
     }
 
+    // MARK: - iPhone chart type chip bar
+    //
+    // Always-visible horizontal switcher (Health-app pattern) — replaces the
+    // hidden title menu as primary navigation and the broken page-dot row.
+    // Swipe still works and stays in sync via the auto-scroll.
+
+    private var chartTypeChipBar: some View {
+        ScrollViewReader { proxy in
+            ScrollView(.horizontal, showsIndicators: false) {
+                HStack(spacing: 8) {
+                    ForEach(orderedChartTypes) { chartType in
+                        chartTypeChip(chartType)
+                            .id(chartType)
+                    }
+                }
+                .padding(.horizontal, 2)
+                .padding(.vertical, 2)
+            }
+            .onChange(of: viewModel.selectedChartType) { _, newValue in
+                withAnimation(.snappy) { proxy.scrollTo(newValue, anchor: .center) }
+            }
+            .onAppear {
+                proxy.scrollTo(viewModel.selectedChartType, anchor: .center)
+            }
+        }
+    }
+
+    private func chartTypeChip(_ chartType: ChartsViewModel.ChartType) -> some View {
+        let isSelected = viewModel.selectedChartType == chartType
+        let locked = chartType.isPremium && !viewModel.isPremium
+        return Button {
+            guard !isSelected else { return }
+            ChartHaptics.tick()
+            withAnimation(.snappy) { viewModel.selectChart(chartType) }
+        } label: {
+            HStack(spacing: 5) {
+                Image(systemName: locked ? "lock.fill" : chartType.icon)
+                    .font(.system(size: 11, weight: .semibold))
+                Text(chartType.rawValue)
+                    .font(.footnote.weight(isSelected ? .semibold : .regular))
+            }
+            .padding(.horizontal, 12)
+            .padding(.vertical, 7)
+            .foregroundColor(isSelected ? .white : (locked ? .secondary : .primary))
+            .background(
+                Capsule().fill(isSelected ? Color.appPrimary : Color(.systemBackground))
+            )
+            .overlay(
+                Capsule().stroke(isSelected ? Color.clear : Color.gray.opacity(0.25), lineWidth: 0.8)
+            )
+        }
+        .buttonStyle(.plain)
+    }
+
+    /// Visible affordance for an active drill-down/filter — tap to clear.
+    private var activeFilterChip: some View {
+        let name = viewModel.selectedCategory?.name
+            ?? viewModel.availableSources(for: viewModel.selectedChartType)
+                .first(where: { viewModel.selectedSourceIds.contains($0.id) })?.name
+            ?? ""
+        return HStack {
+            Button {
+                withAnimation(.snappy) {
+                    viewModel.selectedCategory = nil
+                    viewModel.selectedSource = nil
+                    viewModel.selectedSourceIds.removeAll()
+                    viewModel.selectedBreakdown = .category
+                }
+                ChartHaptics.bump()
+            } label: {
+                HStack(spacing: 6) {
+                    Text(String(format: String(localized: "chart_filtered_prefix"), name))
+                        .font(.footnote.weight(.medium))
+                    Image(systemName: "xmark.circle.fill")
+                        .font(.footnote)
+                }
+                .foregroundColor(.appPrimary)
+                .padding(.horizontal, 12)
+                .padding(.vertical, 7)
+                .background(Capsule().fill(Color.appPrimary.opacity(0.12)))
+            }
+            .buttonStyle(.plain)
+            Spacer()
+        }
+    }
+
+    /// Chart types in the same grouped order as the title switcher menu.
+    private var orderedChartTypes: [ChartsViewModel.ChartType] {
+        Self.chartGroups.flatMap { $0.types }.filter { showForecast || $0 != .prediction }
+    }
+
     /// Stocks-style segmented period control above the chart (the chart switcher
-    /// lives in the title menu, filters in the toolbar).
+    /// lives in the title menu, filters in the toolbar), plus the global range
+    /// brush toggle. The brush lives HERE — outside chartContent — so its drags
+    /// can't collide with the chart-swipe gesture, and its window filters the
+    /// data of EVERY chart (it replaces the preset as data range).
     @ViewBuilder
     private var iPhonePeriodControl: some View {
         let ranges = viewModel.availableTimeRanges(for: viewModel.selectedChartType)
-        if viewModel.selectedChartType == .performance {
-            performanceSlider
-                .padding(12)
-                .background(Color(.systemBackground))
-                .cornerRadius(AppConstants.UI.smallCornerRadius)
-        } else if !ranges.isEmpty {
-            Picker("Period", selection: $viewModel.selectedTimeRange) {
-                ForEach(ranges) { range in
-                    Text(range.rawValue).tag(range)
+        VStack(spacing: 10) {
+            HStack(spacing: 8) {
+                if viewModel.selectedChartType == .performance {
+                    performancePeriodPicker
+                } else if !ranges.isEmpty {
+                    Picker("Period", selection: $viewModel.selectedTimeRange) {
+                        ForEach(ranges) { range in
+                            Text(range.rawValue).tag(range)
+                        }
+                    }
+                    .pickerStyle(.segmented)
+                }
+                if supportsGlobalRange {
+                    rangeToggleButton
                 }
             }
-            .pickerStyle(.segmented)
+            if showRangeBrush && supportsGlobalRange {
+                globalRangeBrush
+                    .transition(.opacity.combined(with: .move(edge: .top)))
+            }
         }
     }
 
+    // MARK: - Global range brush (shared data window for all charts)
+
+    @State private var showRangeBrush = false
+
+    /// Charts whose data honors customRange (Performance/Simulator/Period vs
+    /// Period fetch their own windows).
+    private var supportsGlobalRange: Bool {
+        !viewModel.availableTimeRanges(for: viewModel.selectedChartType).isEmpty
+            && viewModel.selectedChartType != .performance
+            && viewModel.fullHistorySeries.count >= 2
+    }
+
+    private var rangeToggleButton: some View {
+        Button {
+            withAnimation(.snappy) { showRangeBrush.toggle() }
+            ChartHaptics.bump()
+            if showRangeBrush {
+                // Load the full history so any window can be selected.
+                if viewModel.selectedTimeRange != .all { viewModel.selectedTimeRange = .all }
+            } else {
+                viewModel.customRange = nil
+            }
+        } label: {
+            Image(systemName: "calendar.badge.clock")
+                .font(.system(size: 14, weight: .medium))
+                .foregroundColor(showRangeBrush ? .white : .appPrimary)
+                .frame(width: 38, height: 30)
+                .background(
+                    RoundedRectangle(cornerRadius: 8)
+                        .fill(showRangeBrush ? Color.appPrimary : Color(.systemBackground))
+                )
+                .overlay(
+                    RoundedRectangle(cornerRadius: 8)
+                        .stroke(Color.gray.opacity(showRangeBrush ? 0 : 0.3), lineWidth: 0.8)
+                )
+        }
+        .buttonStyle(.plain)
+        .accessibilityLabel(String(localized: "chart_range_button"))
+    }
+
+    @ViewBuilder
+    private var globalRangeBrush: some View {
+        let series = viewModel.fullHistorySeries
+        if series.count >= 2 {
+            ChartRangeBrush(
+                dates: series.map(\.date),
+                values: series.map { NSDecimalNumber(decimal: $0.value).doubleValue },
+                selection: rangeSelection
+            )
+        }
+    }
+
+    /// Maps the brush's month indices to the view model's date window.
+    /// Full selection = no filter (nil).
+    private var rangeSelection: Binding<ClosedRange<Int>> {
+        Binding(
+            get: {
+                let dates = viewModel.fullHistorySeries.map(\.date)
+                guard let last = dates.indices.last else { return 0...0 }
+                guard let range = viewModel.customRange else { return 0...last }
+                let lo = nearestIndex(in: dates, to: range.lowerBound)
+                let hi = nearestIndex(in: dates, to: range.upperBound)
+                return min(lo, hi)...max(lo, hi)
+            },
+            set: { sel in
+                let dates = viewModel.fullHistorySeries.map(\.date)
+                guard let last = dates.indices.last else { return }
+                if sel.lowerBound <= 0 && sel.upperBound >= last {
+                    viewModel.customRange = nil
+                } else {
+                    viewModel.setCustomRange(
+                        fromMonth: dates[max(0, sel.lowerBound)],
+                        toMonth: dates[min(last, sel.upperBound)]
+                    )
+                }
+            }
+        )
+    }
+
+    private func nearestIndex(in dates: [Date], to date: Date) -> Int {
+        var best = 0
+        var bestDist = TimeInterval.greatestFiniteMagnitude
+        for (i, d) in dates.enumerated() {
+            let dist = abs(d.timeIntervalSince(date))
+            if dist < bestDist { best = i; bestDist = dist }
+        }
+        return best
+    }
+
     // MARK: - Shared
 
     private func syncState() {
@@ -567,6 +853,34 @@ struct ChartsContainerView: View {
         viewModel.updatePredictionTargetDate(goalsViewModel.goals)
     }
 
+    /// Drill-down: tapping a category/source in Allocation or Performance jumps
+    /// to Evolution filtered to it (premium). The active-filter chip is the way
+    /// back.
+    private func drillDown(to name: String) {
+        guard viewModel.isPremium else {
+            FirebaseService.shared.logPaywallShown(trigger: "chart_workable")
+            viewModel.showingPaywall = true
+            return
+        }
+        ChartHaptics.bump()
+        withAnimation(.snappy) {
+            if viewModel.selectedBreakdown == .source {
+                if let source = viewModel.availableSources(for: viewModel.selectedChartType)
+                    .first(where: { $0.name == name }) {
+                    viewModel.selectedCategory = nil
+                    viewModel.selectedSource = nil
+                    viewModel.selectedSourceIds = [source.id]
+                }
+            } else if let category = viewModel.availableCategories(for: viewModel.selectedChartType)
+                .first(where: { $0.name == name }) {
+                viewModel.selectedSource = nil
+                viewModel.selectedSourceIds.removeAll()
+                viewModel.selectedCategory = category
+            }
+            viewModel.selectChart(.evolution)
+        }
+    }
+
     private func periodLabel(_ months: Int) -> String {
         if months < 12 {
             return "\(months)M"
@@ -594,14 +908,21 @@ struct ChartsContainerView: View {
                 EvolutionChartView(
                     data: viewModel.evolutionData,
                     categoryData: viewModel.categoryEvolutionData,
-                    goals: goalsViewModel.goals
+                    goals: goalsViewModel.goals,
+                    contributions: viewModel.contributionsData,
+                    isPremium: viewModel.isPremium,
+                    onPremiumNeeded: {
+                        FirebaseService.shared.logPaywallShown(trigger: "chart_workable")
+                        viewModel.showingPaywall = true
+                    }
                 )
             case .allocation:
                 VStack(spacing: 20) {
                     AllocationPieChart(
                         data: viewModel.allocationData,
                         title: viewModel.selectedBreakdown == .source ? "Allocation by Source" : "Asset Allocation",
-                        showsTargetsComparison: ChartsViewModel.supportsAllocationTargets(for: viewModel.selectedBreakdown)
+                        showsTargetsComparison: ChartsViewModel.supportsAllocationTargets(for: viewModel.selectedBreakdown),
+                        onDrillDown: { name in drillDown(to: name) }
                     )
 
                     if !viewModel.allocationEvolutionData.isEmpty {
@@ -611,7 +932,8 @@ struct ChartsContainerView: View {
             case .performance:
                 PerformanceBarChart(
                     data: viewModel.performanceData,
-                    title: viewModel.selectedBreakdown == .source ? "Performance by Source" : "Performance by Category"
+                    title: viewModel.selectedBreakdown == .source ? "Performance by Source" : "Performance by Category",
+                    onDrillDown: { name in drillDown(to: name) }
                 )
             case .contributions:
                 ContributionsChartView(data: viewModel.contributionsData)
@@ -750,11 +1072,18 @@ struct EvolutionChartView: View {
     @State private var zoom = ChartZoomModel()
     let categoryData: [CategoryEvolutionPoint]
     let goals: [Goal]
+    var contributions: [(date: Date, amount: Decimal)] = []
+    var isPremium: Bool = true
+    var onPremiumNeeded: (() -> Void)? = nil
     @Environment(\.chartImageExport) private var chartImageExport
+    @Environment(\.horizontalSizeClass) private var labelsSizeClass
+
+    private var labelsCompact: Bool { labelsSizeClass != .regular }
 
     @State private var selectedDataPoint: (date: Date, value: Decimal)?
     @State private var chartMode: ChartMode = .total
     @State private var showGoalLines = false
+    @State private var showContributions = false
 
     enum ChartMode: String, CaseIterable, Identifiable {
         case total = "Total"
@@ -827,7 +1156,23 @@ struct EvolutionChartView: View {
         VStack(alignment: .leading, spacing: 12) {
             headerView
             modePicker
+            if chartMode == .total && !contributions.isEmpty {
+                HStack {
+                    contributionsToggle
+                    Spacer()
+                }
+            }
             chartSection
+            if chartMode == .total, isPremium, let insight = rangeInsight {
+                HStack(spacing: 6) {
+                    Image(systemName: "lightbulb.fill")
+                        .font(.caption2)
+                        .foregroundColor(.appWarning)
+                    Text(insight)
+                        .font(.caption)
+                        .foregroundColor(.secondary)
+                }
+            }
             if !data.isEmpty && chartMode == .total {
                 ChartStatsRow(stats: evolutionStats)
             }
@@ -838,6 +1183,69 @@ struct EvolutionChartView: View {
         .shadow(color: .black.opacity(0.05), radius: 8, y: 2)
     }
 
+    /// One contextual takeaway recomputed for the visible window (premium).
+    private var rangeInsight: String? {
+        let series = visibleData
+        guard series.count >= 3 else { return nil }
+        var bestDate: Date?
+        var bestPct = -Double.infinity
+        for i in 1..<series.count {
+            let prev = NSDecimalNumber(decimal: series[i - 1].value).doubleValue
+            let cur = NSDecimalNumber(decimal: series[i].value).doubleValue
+            guard prev > 0 else { continue }
+            let pct = (cur - prev) / prev * 100
+            if pct > bestPct {
+                bestPct = pct
+                bestDate = series[i].date
+            }
+        }
+        guard let bestDate, bestPct.isFinite else { return nil }
+        return String(
+            format: String(localized: "chart_insight_best_month"),
+            Self.headerRangeFormatter.string(from: bestDate),
+            String(format: "%+.1f%%", bestPct)
+        )
+    }
+
+    /// Premium overlay: cumulative contributed capital vs market value — shows
+    /// at a glance what is *your money* and what is growth.
+    private var contributionsToggle: some View {
+        Button {
+            if isPremium {
+                withAnimation(.snappy) { showContributions.toggle() }
+                ChartHaptics.tick()
+            } else {
+                onPremiumNeeded?()
+            }
+        } label: {
+            HStack(spacing: 4) {
+                if !isPremium {
+                    Image(systemName: "lock.fill")
+                        .font(.system(size: 9, weight: .semibold))
+                }
+                Text(String(localized: "chart_overlay_contributions"))
+                    .font(.caption2.weight(.medium))
+            }
+            .padding(.horizontal, 10)
+            .padding(.vertical, 5)
+            .foregroundColor(showContributions ? .appSecondary : .secondary)
+            .background(
+                Capsule().fill(showContributions ? Color.appSecondary.opacity(0.16) : Color(.systemGray6))
+            )
+        }
+        .buttonStyle(.plain)
+    }
+
+    private var cumulativeContributions: [(date: Date, value: Double)] {
+        var running = 0.0
+        return contributions
+            .sorted { $0.date < $1.date }
+            .map { item in
+                running += NSDecimalNumber(decimal: item.amount).doubleValue
+                return (item.date, running)
+            }
+    }
+
     private var evolutionStats: [ChartStat] {
         guard !data.isEmpty else { return [] }
         let values = data.map { NSDecimalNumber(decimal: $0.value).doubleValue }
@@ -855,23 +1263,65 @@ struct EvolutionChartView: View {
         ]
     }
 
+    // MARK: Live header
+    //
+    // The numbers live HERE, not on the chart: while scrubbing it shows the
+    // exact point (value, date, delta vs window start); at rest it summarizes
+    // the visible window. This is what lets the chart itself stay clean.
+
+    /// Data restricted to the currently visible window (zoom/brush).
+    private var visibleData: [(date: Date, value: Decimal)] {
+        guard let window = zoom.visibleWindow(dates: data.map(\.date)) else { return data }
+        let filtered = data.filter { window.contains($0.date) }
+        return filtered.isEmpty ? data : filtered
+    }
+
+    private static let headerRangeFormatter: DateFormatter = {
+        let f = DateFormatter()
+        f.locale = .autoupdatingCurrent
+        f.setLocalizedDateFormatFromTemplate("MMM yyyy")
+        return f
+    }()
+
     private var headerView: some View {
-        HStack {
-            Text("Portfolio Evolution")
-                .font(.headline)
+        let series = visibleData
+        let current = (chartMode == .total ? selectedDataPoint : nil)
+            ?? series.last.map { (date: $0.date, value: $0.value) }
+        let firstValue = series.first.map { NSDecimalNumber(decimal: $0.value).doubleValue } ?? 0
+        let currentValue = current.map { NSDecimalNumber(decimal: $0.value).doubleValue } ?? 0
+        let deltaPct = firstValue > 0 ? (currentValue - firstValue) / firstValue * 100 : 0
+        let subtitle: String = {
+            if let selected = selectedDataPoint, chartMode == .total {
+                return selected.date.monthYearString
+            }
+            guard let first = series.first?.date, let last = series.last?.date else { return "" }
+            return "\(Self.headerRangeFormatter.string(from: first)) – \(Self.headerRangeFormatter.string(from: last))"
+        }()
+
+        return HStack(alignment: .top) {
+            VStack(alignment: .leading, spacing: 3) {
+                HStack(alignment: .firstTextBaseline, spacing: 8) {
+                    Text((current?.value ?? 0).compactCurrencyString)
+                        .font(.system(.title2, design: .rounded).weight(.bold))
+                        .contentTransition(.numericText())
+                    if series.count > 1 {
+                        Text(String(format: "%+.1f%%", deltaPct))
+                            .font(.caption.weight(.bold))
+                            .foregroundColor(deltaPct >= 0 ? .positiveGreen : .negativeRed)
+                            .padding(.horizontal, 7)
+                            .padding(.vertical, 3)
+                            .background(
+                                Capsule().fill((deltaPct >= 0 ? Color.positiveGreen : Color.negativeRed).opacity(0.12))
+                            )
+                    }
+                }
+                Text(subtitle)
+                    .font(.caption)
+                    .foregroundColor(.secondary)
+            }
 
             Spacer()
 
-            if let selected = selectedDataPoint, chartMode == .total {
-                VStack(alignment: .trailing, spacing: 2) {
-                    Text(selected.value.compactCurrencyString)
-                        .font(.subheadline.weight(.semibold))
-                    Text(selected.date.monthYearString)
-                        .font(.caption)
-                        .foregroundColor(.secondary)
-                }
-            }
-
             Button {
                 showGoalLines.toggle()
             } label: {
@@ -881,6 +1331,7 @@ struct EvolutionChartView: View {
             .disabled(goals.isEmpty)
             .accessibilityLabel(showGoalLines ? "Hide goals" : "Show goals")
         }
+        .animation(.snappy, value: selectedDataPoint?.date)
     }
 
     private var modePicker: some View {
@@ -949,6 +1400,10 @@ struct EvolutionChartView: View {
                                     if let closest = data.min(by: {
                                         abs($0.date.timeIntervalSince(date)) < abs($1.date.timeIntervalSince(date))
                                     }) {
+                                        // Haptic tick when the scrub snaps to a new point.
+                                        if selectedDataPoint?.date != closest.date {
+                                            ChartHaptics.tick()
+                                        }
                                         selectedDataPoint = closest
                                     }
                                 }
@@ -969,23 +1424,34 @@ struct EvolutionChartView: View {
     private var chartMarks: some ChartContent {
         switch chartMode {
         case .total:
-            ForEach(data, id: \.date) { item in
+            // Widget-parity styling: gradient stroke, soft area fill, and NO
+            // permanent dots/bubbles on iPhone — the endpoint dot marks "now"
+            // and exact values live in the live header while scrubbing.
+            ForEach(Array(data.enumerated()), id: \.element.date) { pair in
+                let item = pair.element
                 LineMark(
                     x: .value("Date", item.date),
-                    y: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue)
+                    y: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue),
+                    series: .value("Series", "total")
                 )
-                .foregroundStyle(Color.appPrimary)
+                .foregroundStyle(
+                    LinearGradient(colors: [.appPrimary, .cyan],
+                                   startPoint: .leading, endPoint: .trailing)
+                )
+                .lineStyle(StrokeStyle(lineWidth: 2.2, lineCap: .round, lineJoin: .round))
                 .interpolationMethod(.catmullRom)
 
-                PointMark(
-                    x: .value("Date", item.date),
-                    y: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue)
-                )
-                .foregroundStyle(Color.appPrimary)
-                .symbolSize(data.count <= ChartLabels.alwaysShowThreshold ? 40 : 30)
-                .annotation(position: .top, spacing: 3) {
-                    if data.count <= ChartLabels.alwaysShowThreshold {
-                        ChartValueBubble(text: item.value.compactCurrencyString)
+                if !labelsCompact {
+                    PointMark(
+                        x: .value("Date", item.date),
+                        y: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue)
+                    )
+                    .foregroundStyle(Color.appPrimary)
+                    .symbolSize(30)
+                    .annotation(position: .top, spacing: 3) {
+                        if ChartLabels.showsLabel(index: pair.offset, count: data.count, compact: labelsCompact) {
+                            ChartValueBubble(text: item.value.compactCurrencyString)
+                        }
                     }
                 }
 
@@ -1002,6 +1468,28 @@ struct EvolutionChartView: View {
                 )
                 .interpolationMethod(.catmullRom)
             }
+
+            if labelsCompact, let last = data.last {
+                PointMark(
+                    x: .value("Date", last.date),
+                    y: .value("Value", NSDecimalNumber(decimal: last.value).doubleValue)
+                )
+                .foregroundStyle(Color.cyan)
+                .symbolSize(55)
+            }
+
+            if showContributions {
+                ForEach(cumulativeContributions, id: \.date) { item in
+                    LineMark(
+                        x: .value("Date", item.date),
+                        y: .value("Contributed", item.value),
+                        series: .value("Series", "contributions")
+                    )
+                    .foregroundStyle(Color.appSecondary)
+                    .lineStyle(StrokeStyle(lineWidth: 1.6, dash: [5, 4]))
+                    .interpolationMethod(.monotone)
+                }
+            }
         case .byCategory:
             ForEach(categoryData) { item in
                 AreaMark(
@@ -1144,8 +1632,9 @@ struct RollingReturnChartView: View {
     let data: [(date: Date, value: Double)]
     @State private var zoom = ChartZoomModel()
     @State private var selectedDate: Date?
+    @Environment(\.horizontalSizeClass) private var labelsSizeClass
 
-    private var showAllLabels: Bool { data.count <= ChartLabels.alwaysShowThreshold }
+    private var labelsCompact: Bool { labelsSizeClass != .regular }
     private var selectedPoint: (date: Date, value: Double)? {
         guard let selectedDate else { return nil }
         return data.min(by: {
@@ -1164,7 +1653,8 @@ struct RollingReturnChartView: View {
                     .frame(height: 260)
             } else {
                 Chart {
-                    ForEach(data, id: \.date) { item in
+                    ForEach(Array(data.enumerated()), id: \.element.date) { pair in
+                        let item = pair.element
                         LineMark(
                             x: .value("Month", item.date),
                             y: .value("Return", item.value)
@@ -1177,9 +1667,9 @@ struct RollingReturnChartView: View {
                             y: .value("Return", item.value)
                         )
                         .foregroundStyle(Color.appPrimary)
-                        .symbolSize(showAllLabels ? 36 : 24)
+                        .symbolSize(24)
                         .annotation(position: item.value >= 0 ? .top : .bottom, spacing: 3) {
-                            if showAllLabels {
+                            if ChartLabels.showsLabel(index: pair.offset, count: data.count, compact: labelsCompact) {
                                 ChartValueBubble(text: ChartLabels.percent(item.value))
                             }
                         }

PortfolioJournal/Views/Charts/ComparisonChartView.swift

@@ -111,11 +111,9 @@ struct ComparisonChartView: View {
             .frame(height: 260)
     }
 
-    /// Permanent labels only when the chart stays readable (few points AND few series).
-    private var showAllLabels: Bool {
-        let maxPoints = viewModel.comparisonData.map { $0.points.count }.max() ?? 0
-        return maxPoints <= ChartLabels.alwaysShowThreshold && viewModel.comparisonData.count <= 3
-    }
+    /// Multi-series comparison: labelling every point of every series overlaps
+    /// badly. Instead we label only each series' END point (where it landed),
+    /// which is the value the comparison is actually about.
 
     private func selectionRows(for date: Date) -> [(label: String, value: String, color: Color)] {
         viewModel.comparisonData.compactMap { series in
@@ -131,6 +129,7 @@ struct ComparisonChartView: View {
             Chart {
                 ForEach(viewModel.comparisonData, id: \.id) { series in
                     let seriesColor = Color(hex: series.colorHex) ?? .appPrimary
+                    let lastDate = series.points.last?.date
                     ForEach(series.points, id: \.date) { point in
                         LineMark(
                             x: .value("Date", point.date),
@@ -145,9 +144,9 @@ struct ComparisonChartView: View {
                             y: .value("Value", point.value)
                         )
                         .foregroundStyle(seriesColor)
-                        .symbolSize(showAllLabels ? 32 : 16)
-                        .annotation(position: .top, spacing: 2) {
-                            if showAllLabels {
+                        .symbolSize(point.date == lastDate ? 30 : 14)
+                        .annotation(position: .trailing, spacing: 2) {
+                            if point.date == lastDate {
                                 ChartValueBubble(text: yAxisLabel(for: point.value), color: seriesColor)
                             }
                         }

PortfolioJournal/Views/Charts/DrawdownChart.swift

@@ -3,10 +3,13 @@ import Charts
 
 struct DrawdownChart: View {
     let data: [(date: Date, drawdown: Double)]
+    /// Hidden when the host (e.g. a dashboard card) already shows a title.
+    var showsTitle: Bool = true
     @State private var zoom = ChartZoomModel()
     @State private var selectedDate: Date?
+    @Environment(\.horizontalSizeClass) private var labelsSizeClass
 
-    private var showAllLabels: Bool { data.count <= ChartLabels.alwaysShowThreshold }
+    private var labelsCompact: Bool { labelsSizeClass != .regular }
     private var selectedPoint: (date: Date, drawdown: Double)? {
         guard let selectedDate else { return nil }
         return data.min(by: {
@@ -25,8 +28,10 @@ struct DrawdownChart: View {
     var body: some View {
         VStack(alignment: .leading, spacing: 16) {
             HStack {
-                Text("Drawdown Analysis")
-                    .font(.headline)
+                if showsTitle {
+                    Text("Drawdown Analysis")
+                        .font(.headline)
+                }
 
                 Spacer()
 
@@ -46,7 +51,8 @@ struct DrawdownChart: View {
 
             if data.count >= 2 {
                 Chart {
-                    ForEach(data, id: \.date) { item in
+                    ForEach(Array(data.enumerated()), id: \.element.date) { pair in
+                        let item = pair.element
                         AreaMark(
                             x: .value("Date", item.date),
                             y: .value("Drawdown", item.drawdown)
@@ -72,9 +78,9 @@ struct DrawdownChart: View {
                             y: .value("Drawdown", item.drawdown)
                         )
                         .foregroundStyle(Color.negativeRed)
-                        .symbolSize(showAllLabels ? 36 : 20)
+                        .symbolSize(20)
                         .annotation(position: .bottom, spacing: 3) {
-                            if showAllLabels {
+                            if ChartLabels.showsLabel(index: pair.offset, count: data.count, compact: labelsCompact) {
                                 ChartValueBubble(text: ChartLabels.percent(item.drawdown), color: .negativeRed)
                             }
                         }
@@ -205,10 +211,13 @@ struct DrawdownStatView: View {
 
 struct VolatilityChartView: View {
     let data: [(date: Date, volatility: Double)]
+    /// Hidden when the host (e.g. a dashboard card) already shows a title.
+    var showsTitle: Bool = true
     @State private var zoom = ChartZoomModel()
     @State private var selectedDate: Date?
+    @Environment(\.horizontalSizeClass) private var labelsSizeClass
 
-    private var showAllLabels: Bool { data.count <= ChartLabels.alwaysShowThreshold }
+    private var labelsCompact: Bool { labelsSizeClass != .regular }
     private var selectedPoint: (date: Date, volatility: Double)? {
         guard let selectedDate else { return nil }
         return data.min(by: {
@@ -227,11 +236,13 @@ struct VolatilityChartView: View {
 
     var body: some View {
         VStack(alignment: .leading, spacing: 16) {
-            HStack {
-                Text("Volatility")
-                    .font(.headline)
+            if showsTitle {
+                HStack {
+                    Text("Volatility")
+                        .font(.headline)
 
-                Spacer()
+                    Spacer()
+                }
             }
 
             Text("Measures price variability over time")
@@ -240,7 +251,8 @@ struct VolatilityChartView: View {
 
             if data.count >= 2 {
                 Chart {
-                    ForEach(data, id: \.date) { item in
+                    ForEach(Array(data.enumerated()), id: \.element.date) { pair in
+                        let item = pair.element
                         LineMark(
                             x: .value("Date", item.date),
                             y: .value("Volatility", item.volatility)
@@ -266,9 +278,9 @@ struct VolatilityChartView: View {
                             y: .value("Volatility", item.volatility)
                         )
                         .foregroundStyle(Color.appPrimary)
-                        .symbolSize(showAllLabels ? 36 : 20)
+                        .symbolSize(20)
                         .annotation(position: .top, spacing: 3) {
-                            if showAllLabels {
+                            if ChartLabels.showsLabel(index: pair.offset, count: data.count, compact: labelsCompact) {
                                 ChartValueBubble(text: String(format: "%.1f%%", item.volatility))
                             }
                         }

PortfolioJournal/Views/Charts/PerformanceBarChart.swift

@@ -4,6 +4,16 @@ import Charts
 struct PerformanceBarChart: View {
     let data: [(category: String, cagr: Double, color: String)]
     var title: String = "Performance by Category"
+    /// Drill-down: tapping a row jumps to Evolution filtered to it.
+    var onDrillDown: ((String) -> Void)? = nil
+    @Environment(\.horizontalSizeClass) private var horizontalSizeClass
+
+    /// On iPhone, vertical bars collide once there are more than a handful of
+    /// categories (labels + annotations fight for width). Horizontal bars give
+    /// every name a full line.
+    private var useHorizontalBars: Bool {
+        horizontalSizeClass != .regular && data.count > 6
+    }
 
     var body: some View {
         VStack(alignment: .leading, spacing: 16) {
@@ -19,60 +29,16 @@ struct PerformanceBarChart: View {
             }
 
             if !data.isEmpty {
-                Chart(data, id: \.category) { item in
-                    BarMark(
-                        x: .value("Category", item.category),
-                        y: .value("CAGR", item.cagr)
-                    )
-                    .foregroundStyle(Color(hex: item.color) ?? .gray)
-                    .cornerRadius(4)
-                    .annotation(position: item.cagr >= 0 ? .top : .bottom) {
-                        Text(String(format: "%.1f%%", item.cagr))
-                            .font(.caption2)
-                            .foregroundColor(item.cagr >= 0 ? .positiveGreen : .negativeRed)
-                    }
+                if useHorizontalBars {
+                    horizontalChart
+                } else {
+                    verticalChart
                 }
-                .chartXAxis {
-                    AxisMarks { value in
-                        AxisValueLabel {
-                            if let category = value.as(String.self) {
-                                Text(category)
-                                    .font(.caption)
-                                    .lineLimit(1)
-                            }
-                        }
-                    }
-                }
-                .chartYAxis {
-                    AxisMarks { value in
-                        AxisGridLine()
-                        AxisValueLabel {
-                            if let doubleValue = value.as(Double.self) {
-                                Text(String(format: "%.0f%%", doubleValue))
-                                    .font(.caption)
-                            }
-                        }
-                    }
-                }
-                .frame(height: 250)
 
-                // Legend / Details
+                // Legend / Details — rows drill down when the owner wires it up.
                 VStack(spacing: 8) {
                     ForEach(data.sorted(by: { $0.cagr > $1.cagr }), id: \.category) { item in
-                        HStack {
-                            Circle()
-                                .fill(Color(hex: item.color) ?? .gray)
-                                .frame(width: 10, height: 10)
-
-                            Text(item.category)
-                                .font(.subheadline)
-
-                            Spacer()
-
-                            Text(String(format: "%.2f%%", item.cagr))
-                                .font(.subheadline.weight(.semibold))
-                                .foregroundColor(item.cagr >= 0 ? .positiveGreen : .negativeRed)
-                        }
+                        legendRow(item)
                     }
                 }
                 .padding(.top, 8)
@@ -89,6 +55,118 @@ struct PerformanceBarChart: View {
         .shadow(color: .black.opacity(0.05), radius: 8, y: 2)
     }
 
+    private var verticalChart: some View {
+        Chart(data, id: \.category) { item in
+            BarMark(
+                x: .value("Category", item.category),
+                y: .value("CAGR", item.cagr)
+            )
+            .foregroundStyle(Color(hex: item.color) ?? .gray)
+            .cornerRadius(4)
+            .annotation(position: item.cagr >= 0 ? .top : .bottom) {
+                Text(String(format: "%.1f%%", item.cagr))
+                    .font(.caption2)
+                    .foregroundColor(item.cagr >= 0 ? .positiveGreen : .negativeRed)
+            }
+        }
+        .chartXAxis {
+            AxisMarks { value in
+                AxisValueLabel {
+                    if let category = value.as(String.self) {
+                        Text(category)
+                            .font(.caption)
+                            .lineLimit(1)
+                    }
+                }
+            }
+        }
+        .chartYAxis {
+            AxisMarks { value in
+                AxisGridLine()
+                AxisValueLabel {
+                    if let doubleValue = value.as(Double.self) {
+                        Text(String(format: "%.0f%%", doubleValue))
+                            .font(.caption)
+                    }
+                }
+            }
+        }
+        .frame(height: 250)
+    }
+
+    private var horizontalChart: some View {
+        Chart(data.sorted(by: { $0.cagr > $1.cagr }), id: \.category) { item in
+            BarMark(
+                x: .value("CAGR", item.cagr),
+                y: .value("Category", item.category)
+            )
+            .foregroundStyle(Color(hex: item.color) ?? .gray)
+            .cornerRadius(4)
+            .annotation(position: item.cagr >= 0 ? .trailing : .leading) {
+                Text(String(format: "%.1f%%", item.cagr))
+                    .font(.caption2)
+                    .foregroundColor(item.cagr >= 0 ? .positiveGreen : .negativeRed)
+            }
+        }
+        .chartXAxis {
+            AxisMarks { value in
+                AxisGridLine()
+                AxisValueLabel {
+                    if let doubleValue = value.as(Double.self) {
+                        Text(String(format: "%.0f%%", doubleValue))
+                            .font(.caption)
+                    }
+                }
+            }
+        }
+        .chartYAxis {
+            AxisMarks { value in
+                AxisValueLabel {
+                    if let category = value.as(String.self) {
+                        Text(category)
+                            .font(.caption)
+                            .lineLimit(1)
+                    }
+                }
+            }
+        }
+        .frame(height: CGFloat(data.count) * 34 + 40)
+    }
+
+    @ViewBuilder
+    private func legendRow(_ item: (category: String, cagr: Double, color: String)) -> some View {
+        let row = HStack {
+            Circle()
+                .fill(Color(hex: item.color) ?? .gray)
+                .frame(width: 10, height: 10)
+
+            Text(item.category)
+                .font(.subheadline)
+
+            Spacer()
+
+            Text(String(format: "%.2f%%", item.cagr))
+                .font(.subheadline.weight(.semibold))
+                .foregroundColor(item.cagr >= 0 ? .positiveGreen : .negativeRed)
+
+            if onDrillDown != nil {
+                Image(systemName: "chevron.right")
+                    .font(.caption2.weight(.semibold))
+                    .foregroundColor(.secondary)
+            }
+        }
+        if let onDrillDown {
+            Button {
+                onDrillDown(item.category)
+            } label: {
+                row.contentShape(Rectangle())
+            }
+            .buttonStyle(.plain)
+        } else {
+            row
+        }
+    }
+
     private var perfStats: [ChartStat] {
         guard !data.isEmpty else { return [] }
         let values = data.map { $0.cagr }
@@ -107,6 +185,8 @@ struct PerformanceBarChart: View {
 
 struct HorizontalPerformanceChart: View {
     let data: [(category: String, cagr: Double, color: String)]
+    /// Hidden when the host (e.g. a dashboard card) already shows a title.
+    var showsTitle: Bool = true
 
     var sortedData: [(category: String, cagr: Double, color: String)] {
         data.sorted { $0.cagr > $1.cagr }
@@ -118,8 +198,10 @@ struct HorizontalPerformanceChart: View {
 
     var body: some View {
         VStack(alignment: .leading, spacing: 16) {
-            Text("Performance by Category")
-                .font(.headline)
+            if showsTitle {
+                Text("Performance by Category")
+                    .font(.headline)
+            }
 
             ForEach(sortedData, id: \.category) { item in
                 VStack(alignment: .leading, spacing: 4) {

PortfolioJournal/Views/Charts/PeriodComparisonChartView.swift

@@ -6,10 +6,6 @@ struct PeriodComparisonChartView: View {
     @State private var selectedMonth: Int?
 
     /// Period charts are short by design (a handful of months) — labels always help.
-    private var showAllLabels: Bool {
-        (viewModel.periodComparisonData.map { $0.points.count }.max() ?? 0) <= ChartLabels.alwaysShowThreshold
-    }
-
     private func selectionRows(for month: Int) -> [(label: String, value: String, color: Color)] {
         viewModel.periodComparisonData.compactMap { series in
             guard let point = series.points.first(where: { $0.monthOffset == month }) else { return nil }
@@ -217,8 +213,18 @@ struct PeriodComparisonChartView: View {
         return result
     }
 
+    /// Last month offset per series — used to label only each series' endpoint.
+    private var lastOffsetBySeries: [String: Int] {
+        var m: [String: Int] = [:]
+        for s in viewModel.periodComparisonData {
+            m[s.id] = s.points.map(\.monthOffset).max()
+        }
+        return m
+    }
+
     private var periodChart: some View {
         let points = flatPoints
+        let endpoints = lastOffsetBySeries
         let seriesIds = viewModel.periodComparisonData.map { $0.id }
         let seriesColors: [Color] = viewModel.periodComparisonData.map {
             Color(hex: $0.colorHex) ?? .gray
@@ -240,10 +246,10 @@ struct PeriodComparisonChartView: View {
                     y: .value("Return", point.returnPct)
                 )
                 .foregroundStyle(by: .value("Period", point.seriesLabel))
-                .symbolSize(showAllLabels ? 40 : 30)
+                .symbolSize(point.monthOffset == endpoints[point.seriesId] ? 38 : 22)
                 .annotation(position: point.seriesLabel == viewModel.periodComparisonData.first?.label ? .top : .bottom,
                             spacing: 3) {
-                    if showAllLabels {
+                    if point.monthOffset == endpoints[point.seriesId] {
                         ChartValueBubble(
                             text: ChartLabels.percent(point.returnPct),
                             color: Color(hex: point.colorHex) ?? .gray

PortfolioJournal/Views/Charts/PredictionChartView.swift

@@ -4,11 +4,12 @@ import Charts
 struct PredictionChartView: View {
     let predictions: [Prediction]
     let historicalData: [(date: Date, value: Decimal)]
+    /// Hidden when the host (e.g. a dashboard card) already shows a title.
+    var showsTitle: Bool = true
     @State private var selectedDate: Date?
+    @Environment(\.horizontalSizeClass) private var labelsSizeClass
 
-    private var showAllLabels: Bool {
-        historicalData.count + predictions.count <= ChartLabels.alwaysShowThreshold
-    }
+    private var labelsCompact: Bool { labelsSizeClass != .regular }
 
     /// Nearest point (historical or predicted) to the selected date.
     private var selectedPoint: (date: Date, value: Decimal, isPrediction: Bool)? {
@@ -24,8 +25,10 @@ struct PredictionChartView: View {
     var body: some View {
         VStack(alignment: .leading, spacing: 16) {
             HStack {
-                Text(predictions.isEmpty ? "Prediction" : "\(predictions.count)-Month Prediction")
-                    .font(.headline)
+                if showsTitle {
+                    Text(predictions.isEmpty ? "Prediction" : "\(predictions.count)-Month Prediction")
+                        .font(.headline)
+                }
 
                 Spacer()
 
@@ -49,8 +52,9 @@ struct PredictionChartView: View {
 
             if !predictions.isEmpty && historicalData.count >= 2 {
                 Chart {
-                    // Historical data
-                    ForEach(historicalData, id: \.date) { item in
+                    // Historical data — thin labels to at most a handful.
+                    ForEach(Array(historicalData.enumerated()), id: \.element.date) { pair in
+                        let item = pair.element
                         LineMark(
                             x: .value("Date", item.date),
                             y: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue)
@@ -63,9 +67,9 @@ struct PredictionChartView: View {
                             y: .value("Value", NSDecimalNumber(decimal: item.value).doubleValue)
                         )
                         .foregroundStyle(Color.appPrimary)
-                        .symbolSize(showAllLabels ? 36 : 24)
+                        .symbolSize(24)
                         .annotation(position: .top, spacing: 3) {
-                            if showAllLabels {
+                            if ChartLabels.showsLabel(index: pair.offset, count: historicalData.count, compact: labelsCompact) {
                                 ChartValueBubble(text: item.value.compactCurrencyString)
                             }
                         }
@@ -95,9 +99,10 @@ struct PredictionChartView: View {
                             y: .value("Predicted", NSDecimalNumber(decimal: prediction.predictedValue).doubleValue)
                         )
                         .foregroundStyle(Color.appSecondary)
-                        .symbolSize(showAllLabels ? 36 : 24)
+                        .symbolSize(prediction.id == predictions.last?.id ? 34 : 24)
                         .annotation(position: .top, spacing: 3) {
-                            if showAllLabels {
+                            // Only the final forecast point (the KPIs cover the rest).
+                            if prediction.id == predictions.last?.id {
                                 ChartValueBubble(text: prediction.predictedValue.compactCurrencyString, color: .appSecondary)
                             }
                         }

PortfolioJournal/Views/Charts/YearOverYearChartView.swift

@@ -3,6 +3,8 @@ import Charts
 
 struct YearOverYearChartView: View {
     @ObservedObject var viewModel: ChartsViewModel
+    /// Hidden when the host (e.g. a dashboard card) already shows a title.
+    var showsTitle: Bool = true
     @State private var selectedMonthIdx: Int?
 
     private let monthAbbreviations = ["Jan", "Feb", "Mar", "Apr", "May", "Jun",
@@ -20,8 +22,10 @@ struct YearOverYearChartView: View {
 
     var body: some View {
         VStack(alignment: .leading, spacing: 16) {
-            Text(String(localized: "chart_yoy_title"))
-                .font(.headline)
+            if showsTitle {
+                Text(String(localized: "chart_yoy_title"))
+                    .font(.headline)
+            }
 
             if allYears.isEmpty {
                 Text(String(localized: "chart_yoy_empty"))
@@ -93,8 +97,11 @@ struct YearOverYearChartView: View {
 
     // MARK: - Chart
 
-    /// Two selected years × 12 months stays readable with permanent labels.
-    private var showAllLabels: Bool { selectedSeries.count <= 2 }
+    /// Last month index that has data, per series id — label only that endpoint
+    /// (the year's cumulative return) to avoid 24 overlapping labels.
+    private func lastValidMonth(_ series: ChartsViewModel.YearSeries) -> Int? {
+        (0..<12).last { !series.values[$0].isNaN }
+    }
 
     private func selectionRows(for month: Int) -> [(label: String, value: String, color: Color)] {
         selectedSeries.compactMap { series in
@@ -113,6 +120,7 @@ struct YearOverYearChartView: View {
                     let idx = allYears.firstIndex(where: { $0.id == yearSeries.id }) ?? 0
                     let color = lineColors[idx % lineColors.count]
                     let seriesPosition = selectedSeries.firstIndex(where: { $0.id == yearSeries.id }) ?? 0
+                    let endMonth = lastValidMonth(yearSeries)
                     ForEach(0..<12, id: \.self) { monthIdx in
                         let value = yearSeries.values[monthIdx]
                         if !value.isNaN {
@@ -129,9 +137,9 @@ struct YearOverYearChartView: View {
                                 y: .value("Return", value)
                             )
                             .foregroundStyle(color)
-                            .symbolSize(showAllLabels ? 32 : 18)
+                            .symbolSize(monthIdx == endMonth ? 34 : 18)
                             .annotation(position: seriesPosition == 0 ? .top : .bottom, spacing: 2) {
-                                if showAllLabels {
+                                if monthIdx == endMonth {
                                     ChartValueBubble(text: ChartLabels.percent(value), color: color)
                                 }
                             }

PortfolioJournal/Views/Components/AppBackground.swift

@@ -1,37 +1,13 @@
 import SwiftUI
 
+// Calm 2.0: plain system grouped background — depth comes from content
+// hierarchy, not decoration (the old gradient + overflowing shapes also
+// intercepted touches on sibling views; see 1.4.2 build 50).
 struct AppBackground: View {
     var body: some View {
-        GeometryReader { proxy in
-            ZStack {
-                LinearGradient(
-                    colors: [
-                        Color.appPrimary.opacity(0.15),
-                        Color.appSecondary.opacity(0.12),
-                        Color.appAccent.opacity(0.1)
-                    ],
-                    startPoint: .topLeading,
-                    endPoint: .bottomTrailing
-                )
-
-                Circle()
-                    .fill(Color.appPrimary.opacity(0.18))
-                    .frame(width: proxy.size.width * 0.7)
-                    .offset(x: -proxy.size.width * 0.35, y: -proxy.size.height * 0.35)
-
-                RoundedRectangle(cornerRadius: 120, style: .continuous)
-                    .fill(Color.appAccent.opacity(0.12))
-                    .frame(width: proxy.size.width * 0.8, height: proxy.size.height * 0.35)
-                    .rotationEffect(.degrees(-12))
-                    .offset(x: proxy.size.width * 0.2, y: proxy.size.height * 0.45)
-            }
+        Color(.systemGroupedBackground)
             .ignoresSafeArea()
-        }
-        // Purely decorative — must never intercept touches. The circle overflows
-        // its panel's bounds (offset -35% width), and in side-by-side layouts it
-        // floats OVER sibling views (e.g. the Charts sidebar on iPad), silently
-        // swallowing every tap underneath.
-        .allowsHitTesting(false)
+            .allowsHitTesting(false)
     }
 }
 

PortfolioJournal/Views/Components/HiddenBalance.swift

@@ -0,0 +1,78 @@
+import SwiftUI
+
+/// A view modifier that redacts monetary amounts when the "Hide balances"
+/// privacy feature is active.
+///
+/// When `hidden` is true the underlying content is blurred and its value masked
+/// with a bullet string, while keeping the original layout footprint so the UI
+/// doesn't jump. When false, the real content shows through untouched.
+///
+/// Usage:
+/// ```swift
+/// Text(viewModel.formattedTotalValue)
+///     .hiddenBalance()            // observes BalancePrivacyManager.shared
+/// // or explicitly:
+/// Text(amount).hiddenBalance(isHidden)
+/// ```
+struct HiddenBalanceModifier: ViewModifier {
+    let hidden: Bool
+
+    func body(content: Content) -> some View {
+        content
+            .opacity(hidden ? 0 : 1)
+            .overlay {
+                if hidden {
+                    // Bullet mask sized to the underlying content so layout width
+                    // stays roughly stable and the amount is fully obscured.
+                    GeometryReader { proxy in
+                        Text("••••••")
+                            .redacted(reason: .placeholder)
+                            .blur(radius: 6)
+                            .frame(width: proxy.size.width, height: proxy.size.height)
+                            .allowsHitTesting(false)
+                    }
+                }
+            }
+            .accessibilityLabel(hidden ? Text("Balance hidden") : Text(""))
+    }
+}
+
+/// A self-observing variant of `HiddenBalanceModifier` that subscribes to the
+/// shared `BalancePrivacyManager` so any monetary label updates live when the
+/// user toggles visibility — without threading the flag through view params.
+struct ObservingHiddenBalanceModifier: ViewModifier {
+    @ObservedObject private var privacy = BalancePrivacyManager.shared
+
+    func body(content: Content) -> some View {
+        content.modifier(HiddenBalanceModifier(hidden: privacy.balancesHidden))
+    }
+}
+
+extension View {
+    /// Redact this monetary label with an explicit hidden flag. Use inside views
+    /// that already observe `BalancePrivacyManager`.
+    func hiddenBalance(_ hidden: Bool) -> some View {
+        modifier(HiddenBalanceModifier(hidden: hidden))
+    }
+
+    /// Redact this monetary label, self-observing the shared privacy manager.
+    /// Use anywhere without threading the flag through view parameters.
+    func hiddenBalance() -> some View {
+        modifier(ObservingHiddenBalanceModifier())
+    }
+}
+
+/// A tap-to-reveal wrapper for the quick eye toggle. Renders an eye / eye.slash
+/// button bound to the shared `BalancePrivacyManager`.
+struct BalanceVisibilityToggle: View {
+    @ObservedObject var privacy = BalancePrivacyManager.shared
+
+    var body: some View {
+        Button {
+            privacy.toggleHidden()
+        } label: {
+            Image(systemName: privacy.balancesHidden ? "eye.slash" : "eye")
+        }
+        .accessibilityLabel(privacy.balancesHidden ? Text("Show balances") : Text("Hide balances"))
+    }
+}

PortfolioJournal/Views/Components/ProgressRing.swift

@@ -0,0 +1,30 @@
+import SwiftUI
+
+/// Fitness-style progress ring: track + rounded-cap arc + centered percentage.
+/// Color is semantic (pace/achievement), passed by the caller.
+struct ProgressRing: View {
+    let progress: Double
+    var tint: Color = .appPrimary
+    var size: CGFloat = 56
+    var lineWidth: CGFloat = 6
+
+    private var clamped: Double { min(max(progress, 0), 1) }
+
+    var body: some View {
+        ZStack {
+            Circle()
+                .stroke(tint.opacity(0.15), lineWidth: lineWidth)
+            Circle()
+                .trim(from: 0, to: clamped)
+                .stroke(tint, style: StrokeStyle(lineWidth: lineWidth, lineCap: .round))
+                .rotationEffect(.degrees(-90))
+                .animation(.easeOut(duration: 0.6), value: clamped)
+            Text("\(Int((clamped * 100).rounded()))%")
+                .font(.system(size: size * 0.26, weight: .bold, design: .rounded))
+                .foregroundColor(tint)
+                .minimumScaleFactor(0.7)
+        }
+        .frame(width: size, height: size)
+        .accessibilityLabel(Text("\(Int((clamped * 100).rounded()))%"))
+    }
+}

PortfolioJournal/Views/Dashboard/DataGapsView.swift

@@ -0,0 +1,165 @@
+import SwiftUI
+
+/// Dismissible banner shown on the Dashboard when internal snapshot gaps exist.
+/// The evolution chart smooths these over, so without this the user would never
+/// know real data is missing. Tapping opens `DataGapsSheet` to fill them.
+struct DataGapsBanner: View {
+    let totalMissingMonths: Int
+    let onTap: () -> Void
+    let onDismiss: () -> Void
+
+    var body: some View {
+        Button(action: onTap) {
+            HStack(spacing: 12) {
+                Image(systemName: "exclamationmark.triangle.fill")
+                    .font(.title3)
+                    .foregroundColor(.orange)
+
+                VStack(alignment: .leading, spacing: 2) {
+                    Text(String(format: String(localized: "gaps_banner_title"), totalMissingMonths))
+                        .font(.subheadline.weight(.semibold))
+                        .foregroundColor(.primary)
+                        .multilineTextAlignment(.leading)
+                    Text("Fill in missing data")
+                        .font(.caption)
+                        .foregroundColor(.secondary)
+                }
+
+                Spacer()
+
+                Image(systemName: "chevron.right")
+                    .font(.caption.weight(.semibold))
+                    .foregroundColor(.secondary)
+            }
+            .padding(14)
+            .background(Color(.secondarySystemGroupedBackground))
+            .cornerRadius(AppConstants.UI.cornerRadius)
+            .overlay(
+                RoundedRectangle(cornerRadius: AppConstants.UI.cornerRadius, style: .continuous)
+                    .stroke(Color.orange.opacity(0.35), lineWidth: 1)
+            )
+        }
+        .buttonStyle(.plain)
+        .overlay(alignment: .topTrailing) {
+            Button(action: onDismiss) {
+                Image(systemName: "xmark.circle.fill")
+                    .font(.body)
+                    .foregroundColor(.secondary)
+                    .padding(6)
+            }
+            .buttonStyle(.plain)
+            .accessibilityLabel(Text("Dismiss"))
+        }
+    }
+}
+
+/// Lists each detected gap and offers to fill it. Filling opens the standard
+/// add-snapshot flow for that source, prefilled to the missing month's date.
+struct DataGapsSheet: View {
+    let gaps: [SnapshotGapDetector.Gap]
+    /// Resolves a source id to a live InvestmentSource for the add-snapshot flow.
+    let sourceProvider: (UUID) -> InvestmentSource?
+
+    @Environment(\.dismiss) private var dismiss
+    @State private var fillTarget: FillTarget?
+    @State private var filledGapIds: Set<String> = []
+    private let snapshotRepository = SnapshotRepository()
+
+    private struct FillTarget: Identifiable {
+        let source: InvestmentSource
+        let date: Date
+        var id: String { "\(source.id.uuidString)-\(date.timeIntervalSince1970)" }
+    }
+
+    private var visibleGaps: [SnapshotGapDetector.Gap] {
+        gaps.filter { !filledGapIds.contains($0.id) }
+    }
+
+    var body: some View {
+        NavigationStack {
+            List {
+                Section {
+                    ForEach(visibleGaps) { gap in
+                        gapRow(gap)
+                    }
+                } footer: {
+                    Text("Auto-fill estimates the missing months between two snapshots (marked as estimated). Or add the real values yourself.")
+                }
+            }
+            .navigationTitle("Missing Data")
+            .navigationBarTitleDisplayMode(.inline)
+            .toolbar {
+                ToolbarItem(placement: .navigationBarTrailing) {
+                    Button("Done") { dismiss() }
+                }
+            }
+            .sheet(item: $fillTarget) { target in
+                AddSnapshotView(source: target.source, initialDate: target.date)
+                    .environment(\.managedObjectContext, CoreDataStack.shared.viewContext)
+            }
+        }
+    }
+
+    @ViewBuilder
+    private func gapRow(_ gap: SnapshotGapDetector.Gap) -> some View {
+        VStack(alignment: .leading, spacing: 8) {
+            HStack {
+                Text(gap.sourceName)
+                    .font(.headline)
+                Spacer()
+                Text(String(format: String(localized: "gaps_missing_count"), gap.missingMonths))
+                    .font(.caption.weight(.semibold))
+                    .foregroundColor(.orange)
+                    .padding(.horizontal, 8)
+                    .padding(.vertical, 3)
+                    .background(Color.orange.opacity(0.12))
+                    .clipShape(Capsule())
+            }
+
+            Text(rangeLabel(gap))
+                .font(.caption)
+                .foregroundColor(.secondary)
+
+            if let source = sourceProvider(gap.sourceId),
+               let firstMissing = gap.missingMonthDates.first {
+                HStack(spacing: 16) {
+                    Button {
+                        let n = snapshotRepository.autoFillGap(
+                            source: source,
+                            from: gap.fromMonth,
+                            to: gap.toMonth,
+                            missingMonthDates: gap.missingMonthDates
+                        )
+                        if n > 0 { filledGapIds.insert(gap.id) }
+                    } label: {
+                        Label(
+                            String(format: String(localized: "gaps_autofill_cta"), gap.missingMonths),
+                            systemImage: "wand.and.stars"
+                        )
+                        .font(.subheadline.weight(.semibold))
+                    }
+                    .buttonStyle(.borderless)
+                    .tint(.appPrimary)
+
+                    Button {
+                        fillTarget = FillTarget(source: source, date: firstMissing)
+                    } label: {
+                        Label("Add manually", systemImage: "plus.circle")
+                            .font(.subheadline)
+                    }
+                    .buttonStyle(.borderless)
+                    .tint(.secondary)
+                }
+            }
+        }
+        .padding(.vertical, 4)
+    }
+
+    private func rangeLabel(_ gap: SnapshotGapDetector.Gap) -> String {
+        let formatter = DateFormatter()
+        formatter.dateFormat = "MMM yyyy"
+        let from = formatter.string(from: gap.fromMonth)
+        let to = formatter.string(from: gap.toMonth)
+        return String(format: String(localized: "gaps_range_between"), from, to)
+    }
+}

PortfolioJournal/Views/Dashboard/EvolutionChart.swift

@@ -1,15 +1,107 @@
 import SwiftUI
 import Charts
 
+/// Swipeable pages for the Home evolution card.
+enum DashboardChartPage: Hashable {
+    case evolution, allocation, performance, drawdown, volatility, prediction, yearOverYear
+
+    var title: String {
+        switch self {
+        case .evolution: return String(localized: "Portfolio Evolution")
+        case .allocation: return String(localized: "Asset Allocation")
+        case .performance: return String(localized: "performance")
+        case .drawdown: return String(localized: "drawdown")
+        case .volatility: return String(localized: "volatility")
+        case .prediction: return String(localized: "prediction")
+        case .yearOverYear: return String(localized: "dash_chart_yoy")
+        }
+    }
+
+    /// Pages that stay unlocked on the Home carousel for everyone. The rest show a
+    /// lock teaser for non-premium users (they still see the page to drive upgrade).
+    var isFreeOnHome: Bool {
+        self == .evolution || self == .allocation
+    }
+
+    /// Maps to the full Charts feature type so we can reuse its computed data + views.
+    var chartsType: ChartsViewModel.ChartType {
+        switch self {
+        case .evolution: return .evolution
+        case .allocation: return .allocation
+        case .performance: return .performance
+        case .drawdown: return .drawdown
+        case .volatility: return .volatility
+        case .prediction: return .prediction
+        case .yearOverYear: return .yearOverYear
+        }
+    }
+}
+
 struct EvolutionChartCard: View {
     let data: [(date: Date, value: Decimal)]
     let categoryData: [CategoryEvolutionPoint]
     let goals: [Goal]
+    /// Current allocation per category (name, value, colorHex) for the swipeable
+    /// Allocation page. Empty → the Allocation page is skipped.
+    var allocation: [(category: String, value: Decimal, color: String)] = []
+    let iapService: IAPService
+    /// Called when a non-premium user taps "unlock" on a locked chart page.
+    var onRequestUpgrade: () -> Void = {}
+
+    /// Reused to render the premium analytics pages (performance/drawdown/…): it
+    /// already computes their data and the Charts feature already ships the views.
+    /// Only the currently-visible premium page is computed (see syncChartsVM).
+    @StateObject private var chartsVM: ChartsViewModel
+
+    init(
+        data: [(date: Date, value: Decimal)],
+        categoryData: [CategoryEvolutionPoint],
+        goals: [Goal],
+        allocation: [(category: String, value: Decimal, color: String)] = [],
+        iapService: IAPService,
+        onRequestUpgrade: @escaping () -> Void = {}
+    ) {
+        self.data = data
+        self.categoryData = categoryData
+        self.goals = goals
+        self.allocation = allocation
+        self.iapService = iapService
+        self.onRequestUpgrade = onRequestUpgrade
+        _chartsVM = StateObject(wrappedValue: ChartsViewModel(iapService: iapService))
+    }
 
     @State private var selectedDataPoint: (date: Date, value: Decimal)?
     @State private var chartMode: ChartMode = .total
     @State private var showGoalLines = true
     @State private var chartWidth: CGFloat = 300
+    // Feedback #4: swipe the Home card between a curated set of glanceable charts.
+    @State private var page: DashboardChartPage = .evolution
+    @State private var pageInsertionEdge: Edge = .trailing
+    @State private var allocationSelection: String?
+
+    /// Pages available given the data on hand. "By Category" already lives as a
+    /// toggle inside the Evolution page, so it isn't a separate swipe page.
+    private var pages: [DashboardChartPage] {
+        var p: [DashboardChartPage] = [.evolution]
+        if !allocation.isEmpty { p.append(.allocation) }
+        // Premium analytics pages are shown to everyone — premium users see the
+        // real chart, free users see a lock teaser (drives the upgrade).
+        p.append(contentsOf: [.performance, .drawdown, .volatility, .prediction, .yearOverYear])
+        return p
+    }
+
+    private func isLocked(_ page: DashboardChartPage) -> Bool {
+        !page.isFreeOnHome && !iapService.isPremium
+    }
+
+    /// Compute data for the visible premium page on demand (the VM computes only its
+    /// selected chart). No-op for free/locked pages so nothing is calculated in vain.
+    private func syncChartsVM(for page: DashboardChartPage) {
+        guard !isLocked(page), !page.isFreeOnHome else { return }
+        if chartsVM.selectedChartType != page.chartsType {
+            chartsVM.selectChart(page.chartsType)
+        }
+    }
 
     enum ChartMode: String, CaseIterable, Identifiable {
         case total = "Total"
@@ -45,38 +137,174 @@ struct EvolutionChartCard: View {
     var body: some View {
         VStack(alignment: .leading, spacing: 12) {
             headerView
-            modePicker
-            chartSection
+            pageContent
+                .id(page)
+                .transition(.asymmetric(
+                    insertion: .move(edge: pageInsertionEdge).combined(with: .opacity),
+                    removal: .opacity
+                ))
+            if pages.count > 1 { pageIndicator }
         }
         .padding()
         .background(Color(.systemBackground))
         .cornerRadius(AppConstants.UI.cornerRadius)
         .shadow(color: .black.opacity(0.05), radius: 8, y: 2)
+        .contentShape(Rectangle())
+        // simultaneousGesture so the swipe is recognized even over the chart,
+        // whose own scrub DragGesture would otherwise consume it. Horizontal
+        // dominance is enforced in onEnded so vertical scroll still works; a
+        // single page is a harmless no-op (bounds prevent movement).
+        .simultaneousGesture(pageSwipeGesture)
+        .onAppear { syncChartsVM(for: page) }
+        .onChange(of: page) { _, newPage in syncChartsVM(for: newPage) }
+    }
+
+    @ViewBuilder
+    private var pageContent: some View {
+        if isLocked(page) {
+            lockedPageView(page)
+        } else {
+            switch page {
+            case .evolution:
+                modePicker
+                chartSection
+            case .allocation:
+                SemicircleAllocation(
+                    data: allocation,
+                    total: allocation.reduce(Decimal.zero) { $0 + $1.value },
+                    selectedSlice: $allocationSelection
+                )
+                .frame(height: 150)
+                .padding(.vertical, 8)
+                allocationLegend
+            // showsTitle: false — the card header already names the page;
+            // the embedded charts' own titles duplicated it.
+            case .performance:
+                HorizontalPerformanceChart(data: chartsVM.performanceData, showsTitle: false)
+            case .drawdown:
+                DrawdownChart(data: chartsVM.drawdownData, showsTitle: false)
+            case .volatility:
+                VolatilityChartView(data: chartsVM.volatilityData, showsTitle: false)
+            case .prediction:
+                PredictionChartView(
+                    predictions: chartsVM.predictionData,
+                    historicalData: chartsVM.evolutionData,
+                    showsTitle: false
+                )
+            case .yearOverYear:
+                YearOverYearChartView(viewModel: chartsVM, showsTitle: false)
+            }
+        }
+    }
+
+    /// Compact lock teaser reused from the Charts feature's premium treatment.
+    private func lockedPageView(_ page: DashboardChartPage) -> some View {
+        VStack(spacing: 12) {
+            ZStack {
+                Circle()
+                    .fill(Color.appPrimary.opacity(0.12))
+                    .frame(width: 72, height: 72)
+                Image(systemName: page.chartsType.icon)
+                    .font(.system(size: 28))
+                    .foregroundColor(.appPrimary)
+                Image(systemName: "lock.circle.fill")
+                    .font(.system(size: 22))
+                    .foregroundColor(.appWarning)
+                    .background(Circle().fill(Color(.systemBackground)))
+                    .offset(x: 26, y: 24)
+            }
+            Text(String(localized: "home_chart_locked_sub"))
+                .font(.subheadline)
+                .foregroundColor(.secondary)
+                .multilineTextAlignment(.center)
+            Button {
+                FirebaseService.shared.logPaywallShown(trigger: "home_charts")
+                onRequestUpgrade()
+            } label: {
+                Label(String(localized: "chart_locked_cta"), systemImage: "lock.open.fill")
+                    .font(.subheadline.weight(.semibold))
+                    .padding(.horizontal, 20)
+                    .padding(.vertical, 10)
+                    .background(Color.appPrimary)
+                    .foregroundColor(.white)
+                    .clipShape(Capsule())
+            }
+        }
+        .frame(maxWidth: .infinity, minHeight: 240)
+        .padding(.vertical, 12)
     }
 
     private var headerView: some View {
         HStack {
-            Text("Portfolio Evolution")
+            Text(page.title)
                 .font(.headline)
 
             Spacer()
 
-            Button {
-                showGoalLines.toggle()
-            } label: {
-                Image(systemName: showGoalLines ? "target" : "slash.circle")
-                    .foregroundColor(.secondary)
-            }
-            .accessibilityLabel(showGoalLines ? "Hide goals" : "Show goals")
-
-            if let selected = selectedDataPoint, chartMode == .total {
-                VStack(alignment: .trailing) {
-                    Text(selected.value.compactCurrencyString)
-                        .font(.subheadline.weight(.semibold))
-                    Text(selected.date.monthYearString)
-                        .font(.caption)
+            if page == .evolution {
+                Button {
+                    showGoalLines.toggle()
+                } label: {
+                    Image(systemName: showGoalLines ? "target" : "slash.circle")
                         .foregroundColor(.secondary)
                 }
+                .accessibilityLabel(showGoalLines ? "Hide goals" : "Show goals")
+
+                if let selected = selectedDataPoint, chartMode == .total {
+                    VStack(alignment: .trailing) {
+                        Text(selected.value.compactCurrencyString)
+                            .font(.subheadline.weight(.semibold))
+                        Text(selected.date.monthYearString)
+                            .font(.caption)
+                            .foregroundColor(.secondary)
+                    }
+                }
+            }
+        }
+    }
+
+    // MARK: - Swipe between pages
+
+    private var pageSwipeGesture: some Gesture {
+        DragGesture(minimumDistance: 30)
+            .onEnded { value in
+                guard abs(value.translation.width) > abs(value.translation.height) * 1.5,
+                      let idx = pages.firstIndex(of: page) else { return }
+                if value.translation.width < 0, idx < pages.count - 1 {
+                    pageInsertionEdge = .trailing
+                    withAnimation(.snappy) { page = pages[idx + 1] }
+                } else if value.translation.width > 0, idx > 0 {
+                    pageInsertionEdge = .leading
+                    withAnimation(.snappy) { page = pages[idx - 1] }
+                }
+            }
+    }
+
+    private var pageIndicator: some View {
+        let current = pages.firstIndex(of: page) ?? 0
+        return HStack(spacing: 5) {
+            ForEach(pages.indices, id: \.self) { i in
+                Circle()
+                    .fill(i == current ? Color.appPrimary : Color.secondary.opacity(0.25))
+                    .frame(width: i == current ? 7 : 5, height: i == current ? 7 : 5)
+            }
+        }
+        .frame(maxWidth: .infinity)
+        .animation(.snappy, value: current)
+    }
+
+    private var allocationLegend: some View {
+        VStack(spacing: 6) {
+            ForEach(allocation.prefix(4), id: \.category) { item in
+                let total = allocation.reduce(Decimal.zero) { $0 + $1.value }
+                let pct = total > 0 ? NSDecimalNumber(decimal: item.value / total).doubleValue * 100 : 0
+                HStack(spacing: 8) {
+                    Circle().fill(Color(hex: item.color) ?? .gray).frame(width: 9, height: 9)
+                    Text(item.category).font(.caption)
+                    Spacer()
+                    Text(String(format: "%.1f%%", pct)).font(.caption.weight(.medium))
+                    Text(item.value.compactCurrencyString).font(.caption).foregroundColor(.secondary)
+                }
             }
         }
     }
@@ -335,6 +563,6 @@ struct SparklineView: View {
         (Date(), 12000)
     ]
 
-    return EvolutionChartCard(data: sampleData, categoryData: [], goals: [])
+    return EvolutionChartCard(data: sampleData, categoryData: [], goals: [], iapService: IAPService())
         .padding()
 }

PortfolioJournal/Views/Dashboard/GuidedCheckInView.swift

@@ -0,0 +1,482 @@
+import SwiftUI
+import CoreData
+import TipKit
+import UIKit
+
+// MARK: - Guided monthly check-in (Calm 2.0, Fase 2)
+//
+// The monthly ritual as a full-screen, one-source-per-step flow instead of a
+// form: previous value in sight, big keypad entry, live delta, clipboard
+// hand-off — then a short reflection (mood + one line) and a closing summary
+// with the streak. Persistence reuses the exact same paths as Quick Update
+// (Snapshots) and the journal (MonthlyCheckInStore → JournalEntry), so data
+// stays consistent with every other entry point.
+
+struct GuidedCheckInView: View {
+    /// Frozen at presentation: the launching card recomputes its reference date
+    /// as soon as the check-in saves, and SwiftUI re-evaluates the cover content
+    /// — without freezing, the month would shift mid-flow on the done screen.
+    @State private var referenceDate: Date
+
+    init(referenceDate: Date) {
+        _referenceDate = State(initialValue: referenceDate)
+    }
+
+    @Environment(\.dismiss) private var dismiss
+    @Environment(\.managedObjectContext) private var context
+    @Environment(\.scenePhase) private var scenePhase
+
+    @FetchRequest(
+        sortDescriptors: [NSSortDescriptor(keyPath: \InvestmentSource.name, ascending: true)],
+        predicate: NSPredicate(format: "isActive == YES"),
+        animation: .none
+    ) private var sources: FetchedResults<InvestmentSource>
+
+    // Step 0..<count → one source each; count → reflection; count+1 → done.
+    @State private var step = 0
+    @State private var values: [NSManagedObjectID: String] = [:]
+    @State private var mood: MonthlyCheckInMood?
+    @State private var note = ""
+    @State private var saveError: String?
+    @State private var savedTotals: (previous: Decimal, current: Decimal)?
+    @State private var clipboardAmount: Decimal?
+    @State private var lastSuggestedRaw: String?
+    @FocusState private var amountFocused: Bool
+    @FocusState private var noteFocused: Bool
+
+    private var reflectionStep: Int { sources.count }
+    private var doneStep: Int { sources.count + 1 }
+    private var currentSource: InvestmentSource? {
+        step < sources.count ? sources[step] : nil
+    }
+
+    private var monthLabel: String {
+        let formatter = DateFormatter()
+        formatter.dateFormat = "LLLL yyyy"
+        return formatter.string(from: MonthlyCheckInStore.effectiveMonth(for: referenceDate, relativeTo: referenceDate))
+    }
+
+    var body: some View {
+        NavigationStack {
+            ZStack {
+                AppBackground()
+                VStack(spacing: 0) {
+                    if step < doneStep {
+                        ProgressView(value: Double(step + 1), total: Double(doneStep))
+                            .tint(.appPrimary)
+                            .padding(.horizontal)
+                            .padding(.top, 8)
+                    }
+
+                    Group {
+                        if let source = currentSource {
+                            sourceStep(source)
+                                .id(source.objectID)
+                        } else if step == reflectionStep {
+                            reflectionView
+                        } else {
+                            doneView
+                        }
+                    }
+                    .frame(maxWidth: 560)
+                    .frame(maxWidth: .infinity, maxHeight: .infinity)
+                    .transition(.asymmetric(
+                        insertion: .move(edge: .trailing).combined(with: .opacity),
+                        removal: .move(edge: .leading).combined(with: .opacity)
+                    ))
+                }
+            }
+            .navigationTitle(step == doneStep ? "" : monthLabel)
+            .navigationBarTitleDisplayMode(.inline)
+            .toolbar {
+                if step < doneStep {
+                    ToolbarItem(placement: .cancellationAction) {
+                        Button(String(localized: "cancel")) { dismiss() }
+                    }
+                }
+            }
+            .alert("Error", isPresented: Binding(
+                get: { saveError != nil },
+                set: { if !$0 { saveError = nil } }
+            )) {
+                Button("OK", role: .cancel) { saveError = nil }
+            } message: {
+                Text(saveError ?? "")
+            }
+            .onAppear {
+                amountFocused = true
+                checkClipboard()
+            }
+            .onChange(of: scenePhase) { _, phase in
+                if phase == .active { checkClipboard() }
+            }
+        }
+        .interactiveDismissDisabled(step > 0 && step < doneStep)
+    }
+
+    // MARK: - Source step
+
+    private func sourceStep(_ source: InvestmentSource) -> some View {
+        VStack(spacing: 24) {
+            Spacer()
+
+            VStack(spacing: 6) {
+                Text(source.name)
+                    .font(.title2.weight(.bold))
+                if let category = source.category?.name {
+                    Text(category)
+                        .font(.subheadline)
+                        .foregroundColor(.secondary)
+                }
+            }
+
+            if source.latestValue != .zero {
+                VStack(spacing: 2) {
+                    Text(String(localized: "guided_previous_value"))
+                        .font(.caption)
+                        .foregroundColor(.secondary)
+                    Text(source.latestValue.currencyString)
+                        .font(.title3.weight(.semibold))
+                        .foregroundColor(.secondary)
+                }
+            }
+
+            TextField("0", text: valueBinding(for: source))
+                .keyboardType(.decimalPad)
+                .multilineTextAlignment(.center)
+                .font(.system(size: 40, weight: .bold, design: .rounded))
+                .focused($amountFocused)
+                .accessibilityIdentifier("guided_value_field")
+                .padding(.vertical, 12)
+                .padding(.horizontal, 24)
+                .background(Color(.secondarySystemGroupedBackground))
+                .cornerRadius(AppConstants.UI.cornerRadius)
+                .padding(.horizontal, 32)
+
+            liveDelta(for: source)
+
+            if let amount = clipboardAmount {
+                Button {
+                    values[source.objectID] = String(format: "%.2f", NSDecimalNumber(decimal: amount).doubleValue)
+                    clipboardAmount = nil
+                } label: {
+                    Label(
+                        String(format: String(localized: "guided_paste_amount"), amount.currencyString),
+                        systemImage: "doc.on.clipboard.fill"
+                    )
+                    .font(.subheadline.weight(.semibold))
+                }
+                .buttonStyle(.bordered)
+                .tint(.appPrimary)
+            }
+
+            Spacer()
+
+            VStack(spacing: 10) {
+                Button {
+                    advance()
+                } label: {
+                    Text(String(localized: "guided_next"))
+                        .font(.headline.weight(.semibold))
+                        .frame(maxWidth: .infinity)
+                        .padding(.vertical, 14)
+                }
+                .buttonStyle(.borderedProminent)
+                .tint(.appPrimary)
+                .disabled(parsedValue(for: source) == nil)
+                .accessibilityIdentifier("guided_next_btn")
+
+                HStack(spacing: 12) {
+                    if source.latestValue != .zero {
+                        Button {
+                            values[source.objectID] = String(format: "%.2f", NSDecimalNumber(decimal: source.latestValue).doubleValue)
+                            advance()
+                        } label: {
+                            Text(String(localized: "guided_same_as_last"))
+                                .font(.subheadline.weight(.medium))
+                        }
+                    }
+                    Button {
+                        values[source.objectID] = ""
+                        advance()
+                    } label: {
+                        Text(String(localized: "guided_skip"))
+                            .font(.subheadline.weight(.medium))
+                            .foregroundColor(.secondary)
+                    }
+                    .accessibilityIdentifier("guided_skip_btn")
+                }
+            }
+            .padding(.horizontal, 32)
+            .padding(.bottom, 24)
+        }
+    }
+
+    @ViewBuilder
+    private func liveDelta(for source: InvestmentSource) -> some View {
+        if let value = parsedValue(for: source), source.latestValue > 0 {
+            let delta = value - source.latestValue
+            let pct = NSDecimalNumber(decimal: delta / source.latestValue).doubleValue * 100
+            let positive = delta >= 0
+            HStack(spacing: 4) {
+                Image(systemName: positive ? "arrow.up.right" : "arrow.down.right")
+                    .font(.caption.weight(.semibold))
+                Text("\(delta.currencyString) (\(String(format: "%+.1f%%", pct)))")
+                    .font(.subheadline.weight(.semibold))
+            }
+            .foregroundColor(positive ? .positiveGreen : .negativeRed)
+            .padding(.horizontal, 12)
+            .padding(.vertical, 6)
+            .background((positive ? Color.positiveGreen : Color.negativeRed).opacity(0.12))
+            .clipShape(Capsule())
+            .transition(.opacity)
+        } else {
+            // Reserve the space so the layout doesn't jump while typing.
+            Color.clear.frame(height: 30)
+        }
+    }
+
+    // MARK: - Reflection step
+
+    private var reflectionView: some View {
+        VStack(spacing: 24) {
+            Spacer()
+
+            VStack(spacing: 6) {
+                Text(String(localized: "guided_reflection_title"))
+                    .font(.title2.weight(.bold))
+                Text(String(localized: "guided_reflection_subtitle"))
+                    .font(.subheadline)
+                    .foregroundColor(.secondary)
+            }
+
+            HStack(spacing: 10) {
+                ForEach(MonthlyCheckInMood.allCases) { candidate in
+                    Button {
+                        withAnimation(.snappy) {
+                            mood = (mood == candidate) ? nil : candidate
+                        }
+                    } label: {
+                        VStack(spacing: 6) {
+                            Image(systemName: candidate.iconName)
+                                .font(.title3)
+                            Text(candidate.title)
+                                .font(.caption2)
+                                .lineLimit(1)
+                                .minimumScaleFactor(0.7)
+                        }
+                        .frame(maxWidth: .infinity)
+                        .padding(.vertical, 12)
+                        .background(
+                            mood == candidate
+                                ? Color.appPrimary.opacity(0.15)
+                                : Color(.secondarySystemGroupedBackground)
+                        )
+                        .foregroundColor(mood == candidate ? .appPrimary : .primary)
+                        .cornerRadius(12)
+                        .overlay(
+                            RoundedRectangle(cornerRadius: 12)
+                                .strokeBorder(mood == candidate ? Color.appPrimary : .clear, lineWidth: 1.5)
+                        )
+                    }
+                    .buttonStyle(.plain)
+                    .accessibilityIdentifier("guided_mood_\(candidate.rawValue)")
+                }
+            }
+            .padding(.horizontal, 24)
+
+            TextField(String(localized: "guided_note_placeholder"), text: $note, axis: .vertical)
+                .lineLimit(2...4)
+                .focused($noteFocused)
+                .padding(14)
+                .background(Color(.secondarySystemGroupedBackground))
+                .cornerRadius(AppConstants.UI.cornerRadius)
+                .padding(.horizontal, 24)
+
+            Spacer()
+
+            Button {
+                finish()
+            } label: {
+                Text(String(localized: "guided_finish"))
+                    .font(.headline.weight(.semibold))
+                    .frame(maxWidth: .infinity)
+                    .padding(.vertical, 14)
+            }
+            .buttonStyle(.borderedProminent)
+            .tint(.appPrimary)
+            .accessibilityIdentifier("guided_finish_btn")
+            .padding(.horizontal, 32)
+            .padding(.bottom, 24)
+        }
+    }
+
+    // MARK: - Done step
+
+    private var doneView: some View {
+        VStack(spacing: 20) {
+            Spacer()
+
+            Image(systemName: "checkmark.seal.fill")
+                .font(.system(size: 64))
+                .foregroundColor(.positiveGreen)
+                .symbolEffect(.bounce, value: step)
+
+            Text(String(format: String(localized: "guided_done_title"), monthLabel))
+                .font(.title2.weight(.bold))
+                .multilineTextAlignment(.center)
+
+            if let totals = savedTotals {
+                VStack(spacing: 4) {
+                    Text(totals.current.currencyString)
+                        .font(.system(size: 40, weight: .bold, design: .rounded))
+                    if totals.previous > 0 {
+                        let delta = totals.current - totals.previous
+                        let pct = NSDecimalNumber(decimal: delta / totals.previous).doubleValue * 100
+                        Text("\(delta.currencyString) (\(String(format: "%+.1f%%", pct)))")
+                            .font(.subheadline.weight(.semibold))
+                            .foregroundColor(delta >= 0 ? .positiveGreen : .negativeRed)
+                    }
+                }
+            }
+
+            let streak = MonthlyCheckInStore.stats(referenceDate: referenceDate).currentStreak
+            if streak >= 2 {
+                HStack(spacing: 6) {
+                    Image(systemName: "flame.fill")
+                    Text(String(format: String(localized: "guided_streak"), streak))
+                }
+                .font(.subheadline.weight(.semibold))
+                .foregroundColor(.orange)
+                .padding(.horizontal, 14)
+                .padding(.vertical, 8)
+                .background(Color.orange.opacity(0.12))
+                .clipShape(Capsule())
+            }
+
+            Spacer()
+
+            TipView(SiriTip())
+                .padding(.horizontal, 32)
+
+            VStack(spacing: 10) {
+                if let totals = savedTotals {
+                    Button {
+                        let delta = totals.current - totals.previous
+                        let pct = totals.previous > 0
+                            ? NSDecimalNumber(decimal: delta / totals.previous).doubleValue * 100 : 0
+                        ShareService.shared.sharePortfolioValue(
+                            totalValue: totals.current.currencyString,
+                            changeText: "\(delta.currencyString) (\(String(format: "%+.1f%%", pct)))",
+                            changeLabel: monthLabel,
+                            yearChange: nil,
+                            sinceInceptionChange: nil
+                        )
+                    } label: {
+                        Label(String(localized: "guided_share_month"), systemImage: "square.and.arrow.up")
+                            .font(.subheadline.weight(.semibold))
+                    }
+                    .buttonStyle(.bordered)
+                    .tint(.appPrimary)
+                }
+
+                Button {
+                    dismiss()
+                } label: {
+                    Text(String(localized: "guided_done_cta"))
+                        .font(.headline.weight(.semibold))
+                        .frame(maxWidth: .infinity)
+                        .padding(.vertical, 14)
+                }
+                .buttonStyle(.borderedProminent)
+                .tint(.appPrimary)
+            }
+            .padding(.horizontal, 32)
+            .padding(.bottom, 24)
+        }
+    }
+
+    // MARK: - Flow
+
+    private func advance() {
+        withAnimation(.snappy) {
+            step += 1
+        }
+        if step < sources.count {
+            amountFocused = true
+            checkClipboard()
+        } else if step == reflectionStep {
+            amountFocused = false
+        }
+    }
+
+    private func finish() {
+        let previousTotal = sources.reduce(Decimal.zero) { $0 + $1.latestValue }
+        let now = Date()
+        var updatedSources: [InvestmentSource] = []
+
+        for source in sources {
+            guard let value = parsedValue(for: source) else { continue }
+            let snapshot = Snapshot(context: context)
+            snapshot.id = UUID()
+            snapshot.value = NSDecimalNumber(decimal: value)
+            snapshot.date = now
+            snapshot.source = source
+            if let contribution = MonthlyContributionStore.contribution(for: source.id) {
+                snapshot.contribution = NSDecimalNumber(decimal: contribution)
+            }
+            updatedSources.append(source)
+        }
+
+        do {
+            try context.save()
+        } catch {
+            saveError = error.localizedDescription
+            return
+        }
+
+        // New total = entered values + untouched sources at their previous value.
+        let currentTotal = sources.reduce(Decimal.zero) { total, source in
+            total + (parsedValue(for: source) ?? source.latestValue)
+        }
+        savedTotals = (previous: previousTotal, current: currentTotal)
+
+        if let mood { MonthlyCheckInStore.setMood(mood, for: referenceDate) }
+        let trimmedNote = note.trimmingCharacters(in: .whitespacesAndNewlines)
+        if !trimmedNote.isEmpty { MonthlyCheckInStore.setNote(trimmedNote, for: referenceDate) }
+        MonthlyCheckInStore.setCompletionDate(now, for: referenceDate)
+
+        for source in updatedSources {
+            NotificationService.shared.scheduleReminder(for: source)
+        }
+        SharedQuickUpdateSync.refreshMirror()
+        UINotificationFeedbackGenerator().notificationOccurred(.success)
+
+        withAnimation(.snappy) {
+            step = doneStep
+        }
+    }
+
+    // MARK: - Helpers
+
+    private func valueBinding(for source: InvestmentSource) -> Binding<String> {
+        Binding(
+            get: { values[source.objectID] ?? "" },
+            set: { values[source.objectID] = $0 }
+        )
+    }
+
+    private func parsedValue(for source: InvestmentSource) -> Decimal? {
+        guard let raw = values[source.objectID],
+              !raw.trimmingCharacters(in: .whitespaces).isEmpty,
+              let value = CurrencyFormatter.parseUserInput(raw), value > 0 else { return nil }
+        return value
+    }
+
+    private func checkClipboard() {
+        guard let raw = UIPasteboard.general.string, raw != lastSuggestedRaw,
+              let parsed = CurrencyFormatter.parseUserInput(raw), parsed > 0 else { return }
+        lastSuggestedRaw = raw
+        clipboardAmount = parsed
+    }
+}

PortfolioJournal/Views/Dashboard/InsightsRow.swift

@@ -1,49 +1,66 @@
 import SwiftUI
 
+// Calm 2.0: one insight at a time instead of a chip carousel — a quiet,
+// glanceable line under the check-in zone. Tap to cycle through the rest.
 struct InsightsRow: View {
     let insights: [PortfolioInsight]
+    @State private var index = 0
+
+    private var current: PortfolioInsight? {
+        guard !insights.isEmpty else { return nil }
+        return insights[index % insights.count]
+    }
 
     var body: some View {
-        VStack(alignment: .leading, spacing: 10) {
-            Text(String(localized: "insights_section_title"))
-                .font(.headline)
-
-            ScrollView(.horizontal, showsIndicators: false) {
+        if let insight = current {
+            Button {
+                withAnimation(.snappy) {
+                    index = (index + 1) % insights.count
+                }
+            } label: {
                 HStack(spacing: 12) {
-                    ForEach(insights) { insight in
-                        insightChip(insight)
+                    Image(systemName: insight.systemImage)
+                        .font(.subheadline.weight(.semibold))
+                        .foregroundColor(insight.accentColor)
+                        .frame(width: 30, height: 30)
+                        .background(insight.accentColor.opacity(0.12))
+                        .clipShape(Circle())
+
+                    VStack(alignment: .leading, spacing: 1) {
+                        Text(insight.title)
+                            .font(.caption)
+                            .foregroundColor(.secondary)
+                        Text(insight.value)
+                            .font(.subheadline.weight(.semibold))
+                            .foregroundColor(.primary)
+                            .lineLimit(2)
+                        if let detail = insight.detail {
+                            Text(detail)
+                                .font(.caption2)
+                                .foregroundColor(.secondary)
+                                .lineLimit(1)
+                        }
+                    }
+
+                    Spacer()
+
+                    if insights.count > 1 {
+                        HStack(spacing: 4) {
+                            ForEach(insights.indices, id: \.self) { i in
+                                Circle()
+                                    .fill(i == index % insights.count ? Color.secondary : Color.secondary.opacity(0.25))
+                                    .frame(width: 5, height: 5)
+                            }
+                        }
                     }
                 }
+                .padding(14)
+                .background(Color(.secondarySystemGroupedBackground))
+                .cornerRadius(AppConstants.UI.cornerRadius)
             }
+            .buttonStyle(.plain)
+            .id(insight.id)
+            .transition(.opacity)
         }
-        .padding()
-        .background(Color(.systemBackground))
-        .cornerRadius(AppConstants.UI.cornerRadius)
-        .shadow(color: .black.opacity(0.05), radius: 8, y: 2)
-    }
-
-    private func insightChip(_ insight: PortfolioInsight) -> some View {
-        VStack(alignment: .leading, spacing: 4) {
-            HStack(spacing: 5) {
-                Image(systemName: insight.systemImage)
-                    .font(.caption.weight(.semibold))
-                    .foregroundColor(insight.accentColor)
-                Text(insight.title)
-                    .font(.caption2)
-                    .foregroundColor(.secondary)
-            }
-            Text(insight.value)
-                .font(.subheadline.weight(.semibold))
-                .foregroundColor(.primary)
-                .lineLimit(1)
-        }
-        .padding(.horizontal, 14)
-        .padding(.vertical, 10)
-        .background(insight.accentColor.opacity(0.08))
-        .cornerRadius(12)
-        .overlay(
-            RoundedRectangle(cornerRadius: 12)
-                .stroke(insight.accentColor.opacity(0.2), lineWidth: 1)
-        )
     }
 }

PortfolioJournal/Views/Dashboard/MonthlyCheckInView.swift

@@ -543,12 +543,16 @@ struct MonthlyCheckInView: View {
                     .foregroundColor(.secondary)
             } else {
                 ForEach(viewModel.sources, id: \.objectID) { source in
-                    let latestSnapshot = source.latestSnapshot
-                    let updatedThisCycle = isSnapshotInCurrentCycle(latestSnapshot)
+                    // Month-aware: "updated" means updated FOR THE VIEWED month.
+                    let monthSnapshot = snapshotForViewedMonth(source)
+                    let updatedThisCycle = monthSnapshot != nil
+                    let latestSnapshot = monthSnapshot ?? source.latestSnapshot
                     let snapshots = source.sortedSnapshotsByDateAscending
                     let previousSnapshot: Snapshot? = {
-                        guard snapshots.count >= 2 else { return nil }
-                        return snapshots[snapshots.count - 2]
+                        guard let ref = latestSnapshot,
+                              let idx = snapshots.firstIndex(where: { $0.objectID == ref.objectID }),
+                              idx > 0 else { return nil }
+                        return snapshots[idx - 1]
                     }()
                     let valueDiff: Decimal? = {
                         guard let latest = latestSnapshot, let previous = previousSnapshot else { return nil }
@@ -837,6 +841,24 @@ private extension MonthlyCheckInView {
         return snapshot.date >= Calendar.current.startOfDay(for: last)
     }
 
+    /// The effective (year, month) of the check-in month currently being viewed.
+    private var viewedMonthComponents: DateComponents {
+        let effective = MonthlyCheckInStore.effectiveMonth(for: referenceDate, relativeTo: referenceDate)
+        return Calendar.current.dateComponents([.year, .month], from: effective)
+    }
+
+    /// The source's snapshot that belongs to the VIEWED month (not the global
+    /// latest) — so a past month shows "Updated" for the sources it recorded,
+    /// instead of "Needs update" for everything.
+    func snapshotForViewedMonth(_ source: InvestmentSource) -> Snapshot? {
+        let target = viewedMonthComponents
+        return source.sortedSnapshotsByDateAscending.last { snapshot in
+            let eff = MonthlyCheckInStore.effectiveMonth(for: snapshot.date, relativeTo: snapshot.date)
+            let c = Calendar.current.dateComponents([.year, .month], from: eff)
+            return c.year == target.year && c.month == target.month
+        }
+    }
+
     @ViewBuilder
     func moodPill(for mood: MonthlyCheckInMood) -> some View {
         let isSelected = selectedMood == mood

PortfolioJournal/Views/Dashboard/MonthlySummaryShareView.swift

@@ -0,0 +1,145 @@
+import SwiftUI
+
+/// A polished, branded card summarising the month — designed to be rendered to
+/// an image and shared (screenshot-worthy, marketing-facing). Pulls only from
+/// data the Dashboard already computes.
+struct MonthlySummaryShareView: View {
+    let monthLabel: String
+    let totalValue: String
+    let changeAmount: String
+    let changePercentage: String
+    let isPositive: Bool
+    let streak: Int
+    let mood: MonthlyCheckInMood?
+    let rating: Int?
+    let appName: String
+    var qrCodeImage: UIImage? = nil
+
+    var body: some View {
+        VStack(alignment: .leading, spacing: 0) {
+            // Header
+            HStack {
+                Text(monthLabel)
+                    .font(.caption.weight(.semibold))
+                    .foregroundColor(.white.opacity(0.85))
+                    .textCase(.uppercase)
+                Spacer()
+                if streak >= 2 {
+                    HStack(spacing: 4) {
+                        Image(systemName: "flame.fill")
+                            .font(.caption2)
+                        Text(String(format: String(localized: "share_summary_streak_badge"), streak))
+                            .font(.caption2.weight(.bold))
+                    }
+                    .foregroundColor(.white)
+                    .padding(.horizontal, 10)
+                    .padding(.vertical, 5)
+                    .background(Color.white.opacity(0.18))
+                    .clipShape(Capsule())
+                }
+            }
+
+            Text("Monthly Summary")
+                .font(.title.weight(.bold))
+                .foregroundColor(.white)
+                .padding(.top, 6)
+
+            // Hero value
+            VStack(alignment: .leading, spacing: 6) {
+                Text("Portfolio Value")
+                    .font(.subheadline.weight(.semibold))
+                    .foregroundColor(.white.opacity(0.85))
+                Text(totalValue)
+                    .font(.system(size: 40, weight: .bold, design: .rounded))
+                    .foregroundColor(.white)
+                    .minimumScaleFactor(0.6)
+                    .lineLimit(1)
+            }
+            .padding(.top, 22)
+
+            // Change since last check-in
+            HStack(spacing: 8) {
+                Image(systemName: isPositive ? "arrow.up.right" : "arrow.down.right")
+                    .font(.subheadline.weight(.bold))
+                Text("\(changeAmount) (\(changePercentage))")
+                    .font(.headline.weight(.bold))
+                Spacer()
+                Text("since last check-in")
+                    .font(.caption)
+                    .foregroundColor(.white.opacity(0.75))
+            }
+            .foregroundColor(.white)
+            .padding(.horizontal, 14)
+            .padding(.vertical, 10)
+            .background(Color.white.opacity(0.15))
+            .clipShape(RoundedRectangle(cornerRadius: 14, style: .continuous))
+            .padding(.top, 18)
+
+            // Mood / rating
+            if mood != nil || rating != nil {
+                HStack(spacing: 14) {
+                    if let mood {
+                        HStack(spacing: 6) {
+                            Image(systemName: mood.iconName)
+                                .font(.subheadline)
+                            Text(mood.title)
+                                .font(.subheadline.weight(.semibold))
+                        }
+                        .foregroundColor(.white)
+                    }
+                    if let rating {
+                        HStack(spacing: 2) {
+                            ForEach(1...5, id: \.self) { i in
+                                Image(systemName: i <= rating ? "star.fill" : "star")
+                                    .font(.caption)
+                                    .foregroundColor(.white.opacity(i <= rating ? 1 : 0.4))
+                            }
+                        }
+                    }
+                    Spacer()
+                }
+                .padding(.top, 16)
+            }
+
+            Spacer(minLength: 0)
+
+            // Footer / branding
+            HStack(spacing: 12) {
+                Image("BrandMark")
+                    .resizable()
+                    .aspectRatio(contentMode: .fit)
+                    .frame(width: 40, height: 40)
+                    .clipShape(RoundedRectangle(cornerRadius: 9, style: .continuous))
+
+                VStack(alignment: .leading, spacing: 2) {
+                    Text("Tracked with")
+                        .font(.caption2.weight(.medium))
+                        .foregroundColor(.white.opacity(0.7))
+                    Text(appName)
+                        .font(.subheadline.weight(.bold))
+                        .foregroundColor(.white)
+                }
+
+                Spacer()
+
+                if let qrCodeImage {
+                    Image(uiImage: qrCodeImage)
+                        .interpolation(.none)
+                        .resizable()
+                        .frame(width: 52, height: 52)
+                        .background(Color.white)
+                        .clipShape(RoundedRectangle(cornerRadius: 7, style: .continuous))
+                }
+            }
+            .padding(.top, 20)
+        }
+        .padding(24)
+        .frame(width: 340, height: 440)
+        .background(ShareCardBackground())
+        .clipShape(RoundedRectangle(cornerRadius: 28, style: .continuous))
+        .overlay(
+            RoundedRectangle(cornerRadius: 28, style: .continuous)
+                .stroke(Color.white.opacity(0.12), lineWidth: 1)
+        )
+    }
+}

PortfolioJournal/Views/Dashboard/QuickUpdateView.swift

@@ -1,6 +1,8 @@
 import SwiftUI
 import CoreData
+import TipKit
 import UIKit
+import PhotosUI
 
 struct QuickUpdateView: View {
     @Environment(\.dismiss) private var dismiss
@@ -22,6 +24,15 @@ struct QuickUpdateView: View {
     @FocusState private var focusedSource: NSManagedObjectID?
     @State private var clipboardAmount: Decimal?
     @State private var lastSuggestedRaw: String?
+    @State private var lastPasteboardChangeCount = -1
+
+    // Per-field paste/scan (feedback #3): keyboard toolbar acts on the focused
+    // field — paste a clipboard amount or OCR a number from a screenshot.
+    @State private var photoItem: PhotosPickerItem?
+    @State private var showingPhotoPicker = false
+    @State private var scanCandidates: [ScannedAmount] = []
+    @State private var isScanning = false
+    @State private var scanTargetSource: NSManagedObjectID?
 
     /// First source (list order) still without a value — the "active" one.
     private var nextEmptySource: InvestmentSource? {
@@ -36,13 +47,32 @@ struct QuickUpdateView: View {
                 AppBackground()
 
                 if sources.isEmpty {
-                    ContentUnavailableView(
-                        String(localized: "quick_update_no_sources"),
-                        systemImage: "list.bullet",
-                        description: Text(String(localized: "quick_update_no_sources_body"))
-                    )
+                    ContentUnavailableView {
+                        Label(String(localized: "quick_update_no_sources"), systemImage: "list.bullet")
+                    } description: {
+                        Text(String(localized: "quick_update_no_sources_body"))
+                    } actions: {
+                        Button {
+                            dismiss()
+                            // Let this sheet finish dismissing before Dashboard
+                            // presents AddSourceView (same pattern as ContentView).
+                            DispatchQueue.main.asyncAfter(deadline: .now() + 0.6) {
+                                NotificationCenter.default.post(name: .openAddFirstSource, object: nil)
+                            }
+                        } label: {
+                            Text(String(localized: "quick_update_add_first_source"))
+                        }
+                        .buttonStyle(.borderedProminent)
+                    }
                 } else {
                     List {
+                        Section {
+                            TipView(ScreenshotOCRTip())
+                                .listRowInsets(EdgeInsets())
+                                .listRowBackground(Color.clear)
+                        }
+                        .listSectionSeparator(.hidden)
+
                         if let amount = clipboardAmount, let target = nextEmptySource {
                             Section {
                                 Button {
@@ -92,6 +122,51 @@ struct QuickUpdateView: View {
                     .disabled(isSaving || filledValues.isEmpty)
                     .fontWeight(.semibold)
                 }
+                // Keyboard accessory: paste / scan for the focused field.
+                ToolbarItemGroup(placement: .keyboard) {
+                    if let clip = clipboardFieldAmount {
+                        Button {
+                            if let target = focusedSource { values[target] = decimalInputString(clip) }
+                        } label: {
+                            Label(String(format: String(localized: "quick_update_paste_value"), clip.currencyString),
+                                  systemImage: "doc.on.clipboard")
+                        }
+                    }
+                    Button {
+                        scanTargetSource = focusedSource
+                        showingPhotoPicker = true
+                    } label: {
+                        Label(String(localized: "quick_update_scan"), systemImage: "text.viewfinder")
+                    }
+                    Spacer()
+                    Button(String(localized: "quick_update_done_kbd")) { focusedSource = nil }
+                        .fontWeight(.semibold)
+                }
+            }
+            .photosPicker(isPresented: $showingPhotoPicker, selection: $photoItem, matching: .images)
+            .onChange(of: photoItem) { _, item in
+                guard let item else { return }
+                Task { await scanPickedPhoto(item) }
+            }
+            .overlay {
+                if isScanning {
+                    ZStack {
+                        Color.black.opacity(0.2).ignoresSafeArea()
+                        ProgressView(String(localized: "quick_update_scanning"))
+                            .padding(20)
+                            .background(.regularMaterial, in: RoundedRectangle(cornerRadius: 12))
+                    }
+                }
+            }
+            .confirmationDialog(
+                String(localized: "quick_update_pick_amount"),
+                isPresented: Binding(get: { scanCandidates.count > 1 }, set: { if !$0 { scanCandidates = [] } }),
+                titleVisibility: .visible
+            ) {
+                ForEach(scanCandidates) { c in
+                    Button(c.value.currencyString) { applyScanned(c.value) }
+                }
+                Button(String(localized: "cancel"), role: .cancel) { scanCandidates = [] }
             }
             .alert("Error", isPresented: Binding(
                 get: { saveError != nil },
@@ -111,6 +186,47 @@ struct QuickUpdateView: View {
         }
     }
 
+    /// Clipboard amount for the keyboard toolbar — a live text amount, or the
+    /// amount OCR'd from a copied image (held in clipboardAmount).
+    private var clipboardFieldAmount: Decimal? {
+        if let raw = UIPasteboard.general.string,
+           let parsed = CurrencyFormatter.parseUserInput(raw), parsed > 0 {
+            return parsed
+        }
+        return clipboardAmount
+    }
+
+    private func decimalInputString(_ value: Decimal) -> String {
+        String(format: "%.2f", NSDecimalNumber(decimal: value).doubleValue)
+    }
+
+    private func applyScanned(_ value: Decimal) {
+        if let target = scanTargetSource ?? focusedSource {
+            values[target] = decimalInputString(value)
+        }
+        scanCandidates = []
+    }
+
+    @MainActor
+    private func scanPickedPhoto(_ item: PhotosPickerItem) async {
+        isScanning = true
+        defer { photoItem = nil }
+        guard let data = try? await item.loadTransferable(type: Data.self),
+              let image = UIImage(data: data) else { isScanning = false; return }
+        ImageAmountScanner.scan(image) { candidates in
+            DispatchQueue.main.async {
+                isScanning = false
+                if candidates.count == 1 {
+                    applyScanned(candidates[0].value)
+                } else if candidates.count > 1 {
+                    scanCandidates = candidates
+                } else {
+                    saveError = String(localized: "quick_update_no_amount_found")
+                }
+            }
+        }
+    }
+
     @ViewBuilder
     private func sourceRow(_ source: InvestmentSource) -> some View {
         VStack(spacing: 6) {
@@ -185,17 +301,30 @@ struct QuickUpdateView: View {
         )
     }
 
-    /// Reads the pasteboard and offers the parsed amount for the next pending source.
-    /// Skips values already suggested (or already typed) so returning to the app
-    /// with the same clipboard doesn't nag.
+    /// Reads the pasteboard and offers a parsed amount for the next pending source.
+    /// Handles BOTH a copied text value and a copied image (screenshot) — the
+    /// image is OCR'd on-device and its most prominent number offered. Gated by
+    /// the pasteboard change count so returning with the same clipboard doesn't nag.
     private func checkClipboard() {
-        guard let raw = UIPasteboard.general.string, raw != lastSuggestedRaw,
-              let parsed = CurrencyFormatter.parseUserInput(raw), parsed > 0,
-              nextEmptySource != nil else {
+        let pb = UIPasteboard.general
+        guard pb.changeCount != lastPasteboardChangeCount, nextEmptySource != nil else { return }
+        lastPasteboardChangeCount = pb.changeCount
+
+        // 1. Text amount (cheap, synchronous).
+        if let raw = pb.string, let parsed = CurrencyFormatter.parseUserInput(raw), parsed > 0 {
+            clipboardAmount = parsed
             return
         }
-        lastSuggestedRaw = raw
-        clipboardAmount = parsed
+        // 2. Copied image → OCR the amount automatically.
+        if pb.hasImages, let image = pb.image {
+            isScanning = true
+            ImageAmountScanner.scan(image) { candidates in
+                DispatchQueue.main.async {
+                    isScanning = false
+                    if let best = candidates.first { clipboardAmount = best.value }
+                }
+            }
+        }
     }
 
     private func applyClipboard(_ amount: Decimal, to source: InvestmentSource) {

PortfolioJournal/Views/Dashboard/ShareCards.swift

@@ -1,41 +1,264 @@
 import SwiftUI
 
-struct MonthlyCheckInShareCardView: View {
-    let summary: MonthlySummary
-    let appName: String
-    var qrCodeImage: UIImage? = nil
+// MARK: - Share card design system ("dark panorama")
+//
+// Same visual language as the App Store screenshots — the app's strongest
+// brand asset: near-black navy base, blue/green atmospheric glows, a subtle
+// technical grid and the gradient evolution sparkline. These cards are the
+// main referral surface, so they are designed to look premium in a chat or a
+// story, and to carry an attributed QR/link back to the App Store.
+
+enum ShareCardStyle {
+    static let navyTop = Color(red: 10 / 255, green: 21 / 255, blue: 42 / 255)
+    static let navyBottom = Color(red: 3 / 255, green: 9 / 255, blue: 22 / 255)
+    static let blue = Color(red: 48 / 255, green: 132 / 255, blue: 255 / 255)
+    static let green = Color(red: 16 / 255, green: 185 / 255, blue: 129 / 255)
+    static let gridLine = Color(red: 93 / 255, green: 132 / 255, blue: 181 / 255)
+    static let muted = Color(red: 155 / 255, green: 169 / 255, blue: 191 / 255)
+    // Light theme
+    static let lightTop = Color(red: 248 / 255, green: 250 / 255, blue: 252 / 255)
+    static let lightBottom = Color(red: 226 / 255, green: 232 / 255, blue: 240 / 255)
+    static let ink = Color(red: 15 / 255, green: 27 / 255, blue: 45 / 255)
+    static let lightMuted = Color(red: 100 / 255, green: 116 / 255, blue: 139 / 255)
+}
+
+/// Light/dark variants of the card. Blue/green accents are shared; everything
+/// else (surface, text, grid, panels) flips per theme.
+enum ShareCardTheme: String, CaseIterable, Identifiable {
+    case dark, light
+    var id: String { rawValue }
+
+    var ink: Color { self == .dark ? .white : ShareCardStyle.ink }
+    var mutedInk: Color { self == .dark ? ShareCardStyle.muted : ShareCardStyle.lightMuted }
+    var panelFill: Color { self == .dark ? Color.white.opacity(0.06) : ShareCardStyle.ink.opacity(0.05) }
+    var strokeColor: Color { self == .dark ? Color.white.opacity(0.12) : ShareCardStyle.ink.opacity(0.10) }
+    var footerFill: Color { self == .dark ? Color.white.opacity(0.08) : ShareCardStyle.ink.opacity(0.04) }
+    var gridOpacity: Double { self == .dark ? 0.10 : 0.06 }
+    var glowOpacityMul: Double { self == .dark ? 1.0 : 0.7 }
+}
+
+struct ShareCardBackground: View {
+    var theme: ShareCardTheme = .dark
 
     var body: some View {
-        VStack(alignment: .leading, spacing: 14) {
-            Text(summary.formattedMonthYear)
-                .font(.caption.weight(.semibold))
-                .foregroundColor(.white.opacity(0.85))
+        ZStack {
+            LinearGradient(
+                colors: theme == .dark
+                    ? [ShareCardStyle.navyTop, ShareCardStyle.navyBottom]
+                    : [ShareCardStyle.lightTop, ShareCardStyle.lightBottom],
+                startPoint: .top, endPoint: .bottom
+            )
 
-            Text("Monthly Check-in")
-                .font(.title2.weight(.bold))
-                .foregroundColor(.white)
+            // Atmospheric glows (blue top-left, green bottom-right)
+            Circle()
+                .fill(ShareCardStyle.blue.opacity(0.30 * theme.glowOpacityMul))
+                .frame(width: 280, height: 280)
+                .blur(radius: 70)
+                .offset(x: -100, y: -120)
+            Circle()
+                .fill(ShareCardStyle.green.opacity(0.22 * theme.glowOpacityMul))
+                .frame(width: 260, height: 260)
+                .blur(radius: 80)
+                .offset(x: 130, y: 150)
 
-            metricRow("Starting", summary.formattedStartingValue)
-            metricRow("Ending", summary.formattedEndingValue)
-            if summary.contributions != 0 {
-                metricRow("Contributions", summary.formattedContributions)
-            }
-            metricRow("Net performance", "\(summary.formattedNetPerformance) (\(summary.formattedNetPerformancePercentage))")
-
-            Spacer(minLength: 0)
-            shareFooter(appName: appName, qrCodeImage: qrCodeImage)
+            // Subtle technical grid
+            ShareCardGrid()
+                .stroke(ShareCardStyle.gridLine.opacity(theme.gridOpacity), lineWidth: 1)
         }
-        .padding(20)
-        .frame(width: 320, height: 300)
-        .background(LinearGradient.appPrimaryGradient)
-        .clipShape(RoundedRectangle(cornerRadius: 24, style: .continuous))
-        .overlay(
-            RoundedRectangle(cornerRadius: 24, style: .continuous)
-                .stroke(Color.white.opacity(0.2), lineWidth: 1)
-        )
     }
 }
 
+private struct ShareCardGrid: Shape {
+    func path(in rect: CGRect) -> Path {
+        var p = Path()
+        let step: CGFloat = 44
+        var x: CGFloat = 0
+        while x <= rect.width {
+            p.move(to: CGPoint(x: x, y: 0))
+            p.addLine(to: CGPoint(x: x, y: rect.height))
+            x += step
+        }
+        var y: CGFloat = 0
+        while y <= rect.height {
+            p.move(to: CGPoint(x: 0, y: y))
+            p.addLine(to: CGPoint(x: rect.width, y: y))
+            y += step
+        }
+        return p
+    }
+}
+
+/// Gradient evolution sparkline (line + soft area + endpoint dot).
+struct ShareSparkline: View {
+    let values: [Double]
+
+    var body: some View {
+        GeometryReader { geo in
+            let pts = points(in: geo.size)
+            if pts.count > 1 {
+                ZStack {
+                    // Area fill
+                    Path { p in
+                        p.move(to: CGPoint(x: pts[0].x, y: geo.size.height))
+                        pts.forEach { p.addLine(to: $0) }
+                        p.addLine(to: CGPoint(x: pts[pts.count - 1].x, y: geo.size.height))
+                        p.closeSubpath()
+                    }
+                    .fill(
+                        LinearGradient(colors: [ShareCardStyle.blue.opacity(0.30), .clear],
+                                       startPoint: .top, endPoint: .bottom)
+                    )
+
+                    // Gradient line
+                    Path { p in
+                        p.move(to: pts[0])
+                        pts.dropFirst().forEach { p.addLine(to: $0) }
+                    }
+                    .stroke(
+                        LinearGradient(colors: [ShareCardStyle.blue, .cyan],
+                                       startPoint: .leading, endPoint: .trailing),
+                        style: StrokeStyle(lineWidth: 2.4, lineCap: .round, lineJoin: .round)
+                    )
+
+                    // Endpoint dot ("now")
+                    if let last = pts.last {
+                        Circle()
+                            .fill(Color.cyan)
+                            .frame(width: 7, height: 7)
+                            .position(last)
+                        Circle()
+                            .fill(Color.cyan.opacity(0.3))
+                            .frame(width: 16, height: 16)
+                            .position(last)
+                    }
+                }
+            }
+        }
+    }
+
+    private func points(in size: CGSize) -> [CGPoint] {
+        guard values.count > 1 else { return [] }
+        let minV = values.min() ?? 0
+        let maxV = values.max() ?? 1
+        let range = maxV - minV
+        let inset: CGFloat = 6
+        return values.indices.map { i in
+            let x = size.width * CGFloat(i) / CGFloat(values.count - 1)
+            let norm = range > 0 ? (values[i] - minV) / range : 0.5
+            let y = inset + (size.height - inset * 2) * (1 - CGFloat(norm))
+            return CGPoint(x: x, y: y)
+        }
+    }
+}
+
+// MARK: - Shared pieces
+
+private func eyebrow(_ text: String) -> some View {
+    Text(text.uppercased())
+        .font(.caption2.weight(.bold))
+        .tracking(2.2)
+        .foregroundColor(ShareCardStyle.green)
+}
+
+private func deltaChip(_ text: String, positive: Bool, large: Bool = false) -> some View {
+    HStack(spacing: 4) {
+        Image(systemName: positive ? "arrow.up.right" : "arrow.down.right")
+            .font(.system(size: large ? 13 : 10, weight: .bold))
+        Text(text)
+            .font((large ? Font.headline : Font.caption).weight(.bold))
+    }
+    .foregroundColor(positive ? ShareCardStyle.green : Color(red: 1, green: 0.42, blue: 0.42))
+    .padding(.horizontal, large ? 12 : 9)
+    .padding(.vertical, large ? 6 : 4)
+    .background(
+        Capsule().fill((positive ? ShareCardStyle.green : Color.red).opacity(0.14))
+    )
+}
+
+private func metricRow(_ title: String, _ value: String, theme: ShareCardTheme) -> some View {
+    HStack {
+        Text(title)
+            .font(.caption.weight(.semibold))
+            .foregroundColor(theme.mutedInk)
+        Spacer()
+        Text(value)
+            .font(.subheadline.weight(.semibold))
+            .foregroundColor(theme.ink)
+            .multilineTextAlignment(.trailing)
+            .minimumScaleFactor(0.7)
+            .lineLimit(1)
+    }
+}
+
+/// Brand lockup pinned at the TOP of every card — big and unmissable so the
+/// name does the branding work (and never clips like the old footer mark did).
+/// Optional `asOf` line gives an outsider the context ("what date is this?").
+private func brandHeader(theme: ShareCardTheme, asOf: String?) -> some View {
+    HStack(spacing: 12) {
+        Image("BrandMark")
+            .resizable()
+            .aspectRatio(contentMode: .fit)
+            .frame(width: 48, height: 48)
+            .clipShape(RoundedRectangle(cornerRadius: 11, style: .continuous))
+        VStack(alignment: .leading, spacing: 1) {
+            Text("Portfolio Journal")
+                .font(.system(.title2, design: .rounded).weight(.heavy))
+                .foregroundColor(theme.ink)
+                .minimumScaleFactor(0.7)
+                .lineLimit(1)
+            if let asOf {
+                Text(String(format: String(localized: "share_as_of"), asOf))
+                    .font(.caption2.weight(.medium))
+                    .foregroundColor(theme.mutedInk)
+            }
+        }
+        Spacer(minLength: 0)
+    }
+}
+
+/// Download-focused footer: an explicit "get the app" CTA plus a scannable QR.
+/// This is the conversion surface — every shared card should sell the install.
+private func downloadFooter(qrCodeImage: UIImage?, theme: ShareCardTheme) -> some View {
+    HStack(spacing: 12) {
+        VStack(alignment: .leading, spacing: 3) {
+            Text(String(localized: "share_cta_headline"))
+                .font(.subheadline.weight(.bold))
+                .foregroundColor(theme.ink)
+                .fixedSize(horizontal: false, vertical: true)
+            Text(String(localized: "share_cta_sub"))
+                .font(.caption2.weight(.medium))
+                .foregroundColor(theme.mutedInk)
+        }
+
+        Spacer(minLength: 8)
+
+        if let qrCodeImage {
+            Image(uiImage: qrCodeImage)
+                .interpolation(.none)
+                .resizable()
+                .frame(width: 54, height: 54)
+                .padding(4)
+                .background(Color.white)
+                .clipShape(RoundedRectangle(cornerRadius: 9, style: .continuous))
+                .overlay(
+                    RoundedRectangle(cornerRadius: 9, style: .continuous)
+                        .stroke(ShareCardStyle.ink.opacity(theme == .light ? 0.10 : 0), lineWidth: 1)
+                )
+        }
+    }
+    .padding(12)
+    .background(
+        RoundedRectangle(cornerRadius: 14, style: .continuous)
+            .fill(theme.footerFill)
+    )
+    .overlay(
+        RoundedRectangle(cornerRadius: 14, style: .continuous)
+            .stroke(ShareCardStyle.green.opacity(0.35), lineWidth: 1)
+    )
+}
+
+// MARK: - Portfolio value card
+
 struct PortfolioValueShareCardView: View {
     let totalValue: String
     let changeText: String
@@ -44,102 +267,245 @@ struct PortfolioValueShareCardView: View {
     let sinceInceptionChange: String?
     let appName: String
     var qrCodeImage: UIImage? = nil
+    var sparkline: [Double] = []
+    var isPositive: Bool = true
+    /// The all-time (or best available) return %, shown as the hero — this is
+    /// the number people actually want to post. Falls back to nil → uses value.
+    var heroPercent: String? = nil
+    /// Date of the latest check-in, shown under the brand so an outsider knows
+    /// what point in time the numbers describe.
+    var asOf: String? = nil
+    var theme: ShareCardTheme = .dark
+    /// Story = 9:16 (Instagram/WhatsApp status); otherwise 4:5 feed post.
+    var storyFormat: Bool = false
+
+    // Exact aspect ratios so nothing clips: 9:16 story, 4:5 post.
+    private var cardWidth: CGFloat { storyFormat ? 360 : 360 }
+    private var cardHeight: CGFloat { storyFormat ? 640 : 450 }
 
     var body: some View {
-        VStack(alignment: .leading, spacing: 14) {
-            Text("Portfolio Snapshot")
-                .font(.caption.weight(.semibold))
-                .foregroundColor(.white.opacity(0.85))
+        VStack(alignment: .leading, spacing: 0) {
+            brandHeader(theme: theme, asOf: asOf)
 
-            Text("Total Portfolio Value")
-                .font(.headline.weight(.semibold))
-                .foregroundColor(.white.opacity(0.9))
+            Spacer(minLength: storyFormat ? 24 : 14)
 
-            Text(totalValue)
-                .font(.system(size: 34, weight: .bold, design: .rounded))
-                .foregroundColor(.white)
-
-            Text("\(changeText) \(changeLabel)")
-                .font(.subheadline.weight(.semibold))
-                .foregroundColor(.white.opacity(0.9))
-
-            if let yearChange {
-                metricRow("YoY", yearChange)
+            // Hero: big return % (branding-friendly, privacy-friendly), with the
+            // portfolio value as the supporting line.
+            VStack(alignment: .leading, spacing: 8) {
+                eyebrow(String(localized: "share_hero_eyebrow"))
+                Text(heroPercent ?? totalValue)
+                    .font(.system(size: storyFormat ? 52 : 44, weight: .heavy, design: .rounded))
+                    .foregroundColor(heroIsPercent ? (isPositive ? ShareCardStyle.green : Color(red: 1, green: 0.42, blue: 0.42)) : theme.ink)
+                    .minimumScaleFactor(0.5)
+                    .lineLimit(1)
+                if heroIsPercent && !totalValue.isEmpty {
+                    Text(totalValue)
+                        .font(.title3.weight(.bold))
+                        .foregroundColor(theme.ink)
+                        .minimumScaleFactor(0.5)
+                        .lineLimit(1)
+                }
+                deltaChip("\(changeText) \(changeLabel)", positive: isPositive, large: true)
             }
 
-            if let sinceInceptionChange {
-                metricRow("Since inception", sinceInceptionChange)
+            if sparkline.count > 1 {
+                ShareSparkline(values: sparkline)
+                    .frame(height: storyFormat ? 150 : 96)
+                    .padding(.top, storyFormat ? 24 : 16)
             }
 
-            Spacer(minLength: 0)
-            shareFooter(appName: appName, qrCodeImage: qrCodeImage)
-        }
-        .padding(20)
-        .frame(width: 320, height: 290)
-        .background(
-            LinearGradient(
-                colors: [Color.appSecondary, Color.appPrimary],
-                startPoint: .topLeading,
-                endPoint: .bottomTrailing
+            VStack(spacing: 9) {
+                if let yearChange {
+                    metricRow(String(localized: "share_metric_yoy"), yearChange, theme: theme)
+                }
+                if let sinceInceptionChange {
+                    metricRow(String(localized: "share_metric_since_inception"), sinceInceptionChange, theme: theme)
+                }
+            }
+            .padding(13)
+            .background(
+                RoundedRectangle(cornerRadius: 12, style: .continuous)
+                    .fill(theme.panelFill)
             )
-        )
-        .clipShape(RoundedRectangle(cornerRadius: 24, style: .continuous))
-        .overlay(
-            RoundedRectangle(cornerRadius: 24, style: .continuous)
-                .stroke(Color.white.opacity(0.2), lineWidth: 1)
-        )
-    }
-}
+            .padding(.top, storyFormat ? 24 : 14)
 
-private func metricRow(_ title: String, _ value: String) -> some View {
-    HStack {
-        Text(title)
-            .font(.caption.weight(.semibold))
-            .foregroundColor(.white.opacity(0.8))
-        Spacer()
-        Text(value)
-            .font(.subheadline.weight(.semibold))
-            .foregroundColor(.white)
-            .multilineTextAlignment(.trailing)
-    }
-}
+            Spacer(minLength: 14)
 
-private func shareFooter(appName: String, qrCodeImage: UIImage?) -> some View {
-    VStack(spacing: 10) {
-        Rectangle()
-            .fill(Color.white.opacity(0.2))
-            .frame(height: 1)
-
-        HStack(spacing: 12) {
-            Image("BrandMark")
-                .resizable()
-                .aspectRatio(contentMode: .fit)
-                .frame(width: 36, height: 36)
-                .clipShape(RoundedRectangle(cornerRadius: 8, style: .continuous))
-
-            VStack(alignment: .leading, spacing: 2) {
-                Text("Powered by")
-                    .font(.caption2.weight(.medium))
-                    .foregroundColor(.white.opacity(0.7))
-                Text(appName)
-                    .font(.subheadline.weight(.bold))
-                    .foregroundColor(.white)
-            }
-
-            Spacer()
-
-            if let qrCodeImage {
-                Image(uiImage: qrCodeImage)
-                    .interpolation(.none)
-                    .resizable()
-                    .frame(width: 48, height: 48)
-                    .background(Color.white)
-                    .clipShape(RoundedRectangle(cornerRadius: 6, style: .continuous))
-            } else {
-                Image(systemName: "qrcode")
-                    .font(.title3)
-                    .foregroundColor(.white.opacity(0.9))
-            }
+            downloadFooter(qrCodeImage: qrCodeImage, theme: theme)
         }
+        .padding(storyFormat ? 28 : 22)
+        .frame(width: cardWidth, height: cardHeight)
+        .background(ShareCardBackground(theme: theme))
+        .clipShape(RoundedRectangle(cornerRadius: 26, style: .continuous))
+        .overlay(
+            RoundedRectangle(cornerRadius: 26, style: .continuous)
+                .stroke(theme.strokeColor, lineWidth: 1)
+        )
+    }
+
+    private var heroIsPercent: Bool { heroPercent != nil }
+}
+
+// MARK: - Monthly check-in card
+
+struct MonthlyCheckInShareCardView: View {
+    let summary: MonthlySummary
+    let appName: String
+    var qrCodeImage: UIImage? = nil
+    var theme: ShareCardTheme = .dark
+
+    var body: some View {
+        VStack(alignment: .leading, spacing: 0) {
+            brandHeader(theme: theme, asOf: summary.formattedMonthYear)
+
+            Spacer(minLength: 16)
+
+            eyebrow(summary.formattedMonthYear)
+            Text("Monthly Check-in")
+                .font(.title.weight(.bold))
+                .foregroundColor(theme.ink)
+                .padding(.top, 4)
+
+            VStack(spacing: 9) {
+                metricRow("Starting", summary.formattedStartingValue, theme: theme)
+                metricRow("Ending", summary.formattedEndingValue, theme: theme)
+                if summary.contributions != 0 {
+                    metricRow("Contributions", summary.formattedContributions, theme: theme)
+                }
+                metricRow("Net performance", "\(summary.formattedNetPerformance) (\(summary.formattedNetPerformancePercentage))", theme: theme)
+            }
+            .padding(13)
+            .background(
+                RoundedRectangle(cornerRadius: 12, style: .continuous)
+                    .fill(theme.panelFill)
+            )
+            .padding(.top, 16)
+
+            Spacer(minLength: 14)
+            downloadFooter(qrCodeImage: qrCodeImage, theme: theme)
+        }
+        .padding(22)
+        .frame(width: 360, height: 420)
+        .background(ShareCardBackground(theme: theme))
+        .clipShape(RoundedRectangle(cornerRadius: 26, style: .continuous))
+        .overlay(
+            RoundedRectangle(cornerRadius: 26, style: .continuous)
+                .stroke(theme.strokeColor, lineWidth: 1)
+        )
+    }
+}
+
+// MARK: - Pre-share options (privacy + format) with live preview
+
+/// Sheet shown before sharing the portfolio card. The privacy toggle ("only
+/// percentages") is the referral unlock: nobody shares absolute net worth,
+/// everybody shares +42%.
+struct PortfolioShareOptionsView: View {
+    let totalValue: String
+    let changeText: String
+    let changeLabel: String
+    let yearChange: String?
+    let sinceInceptionChange: String?
+    let sparkline: [Double]
+    let isPositive: Bool
+    var asOf: String? = nil
+
+    @State private var percentOnly = false
+    @State private var storyFormat = false
+    @State private var theme: ShareCardTheme = .dark
+    @Environment(\.dismiss) private var dismiss
+
+    var body: some View {
+        NavigationStack {
+            VStack(spacing: 16) {
+                Spacer(minLength: 0)
+
+                // Live preview — scaled to fit
+                previewCard
+                    .scaleEffect(storyFormat ? 0.62 : 0.78)
+                    .frame(height: storyFormat ? 310 : 275)
+                    .animation(.snappy, value: percentOnly)
+                    .animation(.snappy, value: storyFormat)
+                    .animation(.snappy, value: theme)
+
+                Spacer(minLength: 0)
+
+                VStack(spacing: 12) {
+                    Toggle(isOn: $percentOnly.animation(.snappy)) {
+                        Label(String(localized: "share_percent_only"), systemImage: "eye.slash")
+                            .font(.subheadline)
+                    }
+                    .tint(.appPrimary)
+
+                    Picker("Theme", selection: $theme.animation(.snappy)) {
+                        Text(String(localized: "share_theme_dark")).tag(ShareCardTheme.dark)
+                        Text(String(localized: "share_theme_light")).tag(ShareCardTheme.light)
+                    }
+                    .pickerStyle(.segmented)
+
+                    Picker("Format", selection: $storyFormat.animation(.snappy)) {
+                        Text(String(localized: "share_format_post")).tag(false)
+                        Text(String(localized: "share_format_story")).tag(true)
+                    }
+                    .pickerStyle(.segmented)
+                }
+                .padding(.horizontal)
+
+                Button {
+                    ShareService.shared.sharePortfolioValue(
+                        totalValue: totalValue,
+                        changeText: changeText,
+                        changeLabel: changeLabel,
+                        yearChange: yearChange,
+                        sinceInceptionChange: sinceInceptionChange,
+                        sparkline: sparkline,
+                        isPositive: isPositive,
+                        asOf: asOf,
+                        theme: theme,
+                        percentOnly: percentOnly,
+                        storyFormat: storyFormat
+                    )
+                    dismiss()
+                } label: {
+                    Text(String(localized: "share_card_cta"))
+                        .font(.headline)
+                        .frame(maxWidth: .infinity)
+                        .padding(.vertical, 14)
+                        .background(Color.appPrimary)
+                        .foregroundColor(.white)
+                        .cornerRadius(14)
+                }
+                .padding(.horizontal)
+                .padding(.bottom, 8)
+            }
+            .navigationTitle(String(localized: "share_options_title"))
+            .navigationBarTitleDisplayMode(.inline)
+        }
+        .presentationDetents([.large])
+    }
+
+    private var previewCard: some View {
+        let display = ShareService.portfolioCardStrings(
+            totalValue: totalValue,
+            changeText: changeText,
+            yearChange: yearChange,
+            sinceInceptionChange: sinceInceptionChange,
+            percentOnly: percentOnly
+        )
+        return PortfolioValueShareCardView(
+            totalValue: display.totalValue,
+            changeText: display.changeText,
+            changeLabel: changeLabel,
+            yearChange: display.yearChange,
+            sinceInceptionChange: display.sinceInceptionChange,
+            appName: "Portfolio Journal",
+            qrCodeImage: GoalShareService.generateQRCode(for: ShareService.snapshotShareURL, size: 200),
+            sparkline: sparkline,
+            isPositive: isPositive,
+            heroPercent: display.heroPercent,
+            asOf: asOf,
+            theme: theme,
+            storyFormat: storyFormat
+        )
     }
 }

PortfolioJournal/Views/Goals/GoalsView.swift

@@ -36,7 +36,7 @@ struct GoalsView: View {
                                     progress: viewModel.progress(for: goal),
                                     totalValue: viewModel.totalValue(for: goal),
                                     paceStatus: viewModel.paceStatus(for: goal),
-                                    estimatedCompletionDate: viewModel.estimateCompletionDate(for: goal),
+                                    projection: viewModel.projection(for: goal),
                                     onEdit: { editingGoal = goal }
                                 )
                                 .swipeActions(edge: .trailing, allowsFullSwipe: false) {
@@ -216,7 +216,7 @@ struct GoalRowView: View {
     let progress: Double
     let totalValue: Decimal
     let paceStatus: GoalPaceStatus?
-    let estimatedCompletionDate: Date?
+    let projection: GoalProjection.Result
     let onEdit: () -> Void
 
     @State private var showingShareOptions = false
@@ -244,62 +244,67 @@ struct GoalRowView: View {
         }
     }
 
+    /// Semantic ring color: green when achieved or ahead, orange when behind,
+    /// accent while simply on the way.
+    private var ringTint: Color {
+        if isAchieved { return .appSuccess }
+        if paceStatus?.isBehind == true { return .appWarning }
+        return .appPrimary
+    }
+
     var body: some View {
         ZStack(alignment: .topTrailing) {
             Button(action: onEdit) {
-                VStack(alignment: .leading, spacing: 12) {
-                    HStack {
-                        Text(goal.name)
-                            .font(.headline)
-                            .foregroundColor(isAchieved ? .appSecondary : .primary)
-                        if isAchieved {
-                            Text("Achieved")
-                                .font(.caption2.weight(.bold))
-                                .foregroundColor(.white)
-                                .padding(.horizontal, 8)
-                                .padding(.vertical, 4)
-                                .background(Color.appSecondary)
-                                .clipShape(Capsule())
+                HStack(spacing: 16) {
+                    ProgressRing(progress: progress, tint: ringTint)
+
+                    VStack(alignment: .leading, spacing: 4) {
+                        HStack(spacing: 8) {
+                            Text(goal.name)
+                                .font(.headline)
+                            if isAchieved {
+                                Text("Achieved")
+                                    .font(.caption2.weight(.bold))
+                                    .foregroundColor(.white)
+                                    .padding(.horizontal, 8)
+                                    .padding(.vertical, 3)
+                                    .background(Color.appSuccess)
+                                    .clipShape(Capsule())
+                            }
+                        }
+
+                        HStack(spacing: 4) {
+                            Text(totalValue.currencyString)
+                                .font(.subheadline.weight(.semibold))
+                                .hiddenBalance()
+                            Text("of \(goal.targetDecimal.currencyString)")
+                                .font(.subheadline)
+                                .foregroundColor(.secondary)
+                                .hiddenBalance()
+                        }
+
+                        if let targetDate = goal.targetDate {
+                            Text("Target date: \(targetDate.mediumDateString)")
+                                .font(.caption)
+                                .foregroundColor(targetDateColor)
+                        }
+
+                        if let paceStatus {
+                            Text(paceStatus.statusText)
+                                .font(.caption.weight(.semibold))
+                                .foregroundColor(
+                                    isAchieved ? .appSuccess : (paceStatus.isBehind ? .appWarning : .positiveGreen)
+                                )
+                        }
+
+                        if !isAchieved {
+                            projectionRow
                         }
                     }
-
-                    GoalProgressBar(
-                        progress: progress,
-                        tint: isAchieved ? .appSuccess : .appSecondary,
-                        iconColor: isAchieved ? .appSuccess : .appSecondary
-                    )
-
-                    HStack {
-                        Text(totalValue.currencyString)
-                            .font(.subheadline.weight(.semibold))
-                        Spacer()
-                        Text("of \(goal.targetDecimal.currencyString)")
-                            .font(.subheadline)
-                            .foregroundColor(.secondary)
-                    }
-
-                    if let targetDate = goal.targetDate {
-                        Text("Target date: \(targetDate.mediumDateString)")
-                            .font(.caption)
-                            .foregroundColor(targetDateColor)
-                    }
-
-                    if let paceStatus {
-                        Text(paceStatus.statusText)
-                            .font(.caption.weight(.semibold))
-                            .foregroundColor(
-                                isAchieved ? .appSuccess : (paceStatus.isBehind ? .negativeRed : .positiveGreen)
-                            )
-                    }
+                    Spacer(minLength: 0)
                 }
                 .frame(maxWidth: .infinity, alignment: .leading)
-                .padding(12)
-                .background(isAchieved ? Color.appSuccess.opacity(0.10) : Color.clear)
-                .overlay(
-                    RoundedRectangle(cornerRadius: 12)
-                        .stroke(isAchieved ? Color.appSuccess.opacity(0.35) : Color.clear, lineWidth: 1)
-                )
-                .cornerRadius(12)
+                .padding(.vertical, 8)
             }
             .buttonStyle(.plain)
 
@@ -333,10 +338,102 @@ struct GoalRowView: View {
             currentValue: totalValue,
             targetValue: goal.targetDecimal,
             targetDate: goal.targetDate,
-            estimatedCompletionDate: estimatedCompletionDate,
+            estimatedCompletionDate: projection.projectedDate,
             privacyMode: privacyMode
         )
     }
+
+    // MARK: - Projection UI
+
+    /// Projected completion date, an on-track chip, and a tiny projection sparkline.
+    @ViewBuilder
+    private var projectionRow: some View {
+        switch projection.status {
+        case .unreachable:
+            Label(String(localized: "goal_projection_add_contributions"), systemImage: "plus.circle")
+                .font(.caption)
+                .foregroundColor(.secondary)
+        default:
+            HStack(spacing: 8) {
+                if let date = projection.projectedDate {
+                    Text(String(format: String(localized: "goal_projection_projected"), date.monthYearString))
+                        .font(.caption)
+                        .foregroundColor(.secondary)
+                }
+                onTrackChip
+                Spacer(minLength: 0)
+                if projection.sparkline.count >= 2 {
+                    ProjectionSparkline(values: projection.sparkline, tint: chipColor)
+                        .frame(width: 48, height: 16)
+                }
+            }
+        }
+    }
+
+    private var chipColor: Color {
+        switch projection.status {
+        case .aheadOfSchedule: return .appSuccess
+        case .onTrack: return .positiveGreen
+        case .behind: return .appWarning
+        case .noTargetDate: return .secondary
+        case .unreachable: return .secondary
+        }
+    }
+
+    private var chipText: String {
+        switch projection.status {
+        case .aheadOfSchedule: return String(localized: "goal_chip_ahead")
+        case .onTrack: return String(localized: "goal_chip_on_track")
+        case .behind: return String(localized: "goal_chip_behind")
+        case .noTargetDate: return String(localized: "goal_chip_at_this_pace")
+        case .unreachable: return ""
+        }
+    }
+
+    @ViewBuilder
+    private var onTrackChip: some View {
+        if projection.status != .unreachable {
+            Text(chipText)
+                .font(.caption2.weight(.semibold))
+                .foregroundColor(chipColor)
+                .padding(.horizontal, 8)
+                .padding(.vertical, 3)
+                .background(chipColor.opacity(0.15))
+                .clipShape(Capsule())
+        }
+    }
+}
+
+/// Minimal filled sparkline for the goal value projection curve.
+private struct ProjectionSparkline: View {
+    let values: [Decimal]
+    let tint: Color
+
+    var body: some View {
+        GeometryReader { geo in
+            let points = normalizedPoints(in: geo.size)
+            ZStack {
+                if points.count >= 2 {
+                    Path { path in
+                        path.move(to: points[0])
+                        for p in points.dropFirst() { path.addLine(to: p) }
+                    }
+                    .stroke(tint, style: StrokeStyle(lineWidth: 1.5, lineCap: .round, lineJoin: .round))
+                }
+            }
+        }
+    }
+
+    private func normalizedPoints(in size: CGSize) -> [CGPoint] {
+        let doubles = values.map { NSDecimalNumber(decimal: $0).doubleValue }
+        guard let minV = doubles.min(), let maxV = doubles.max(), doubles.count >= 2 else { return [] }
+        let range = max(maxV - minV, 0.0001)
+        return doubles.enumerated().map { index, value in
+            let x = size.width * CGFloat(index) / CGFloat(doubles.count - 1)
+            let y = size.height * (1 - CGFloat((value - minV) / range))
+            return CGPoint(x: x, y: y)
+        }
+    }
 }
 
 #Preview {

PortfolioJournal/Views/Journal/JournalView.swift

@@ -63,6 +63,17 @@ struct JournalView: View {
                 AppBackground()
 
                 List {
+                    // Calm 2.0: the habit story (streaks, achievements) lives in
+                    // the Journal — this is the emotional home of the ritual.
+                    if !viewModel.monthlyNotes.isEmpty && searchText.isEmpty {
+                        Section {
+                            MomentumStreaksCard(compact: isPad)
+                        }
+                        .listRowInsets(EdgeInsets())
+                        .listRowBackground(Color.clear)
+                        .listSectionSeparator(.hidden)
+                    }
+
                     Section("Monthly Check-ins") {
                         if filteredMonthlyNotes.isEmpty {
                             if searchText.isEmpty {
@@ -183,36 +194,42 @@ struct JournalView: View {
         }
     }
 
+    /// Timeline-style row: the mood is the visual anchor of each month.
     private func monthlyNoteRow(_ entry: MonthlyNoteItem) -> some View {
-        VStack(alignment: .leading, spacing: 8) {
-            HStack {
-                Text(entry.date.monthYearString)
-                    .font(.subheadline.weight(.semibold))
-                Spacer()
+        HStack(alignment: .top, spacing: 12) {
+            ZStack {
+                Circle()
+                    .fill((entry.mood?.tint ?? Color.secondary).opacity(0.14))
+                    .frame(width: 40, height: 40)
+                Image(systemName: entry.mood?.iconName ?? "book.closed")
+                    .font(.system(size: 16))
+                    .foregroundColor(entry.mood?.tint ?? .secondary)
+            }
+
+            VStack(alignment: .leading, spacing: 4) {
+                HStack {
+                    Text(entry.date.monthYearString)
+                        .font(.subheadline.weight(.semibold))
+                    Spacer()
+                    if entry.rating != nil {
+                        starRow(rating: entry.rating)
+                            .font(.caption2)
+                    }
+                }
+
                 if let mood = entry.mood {
-                    moodPill(mood)
-                } else {
-                    Text("Mood not set")
-                        .font(.caption)
-                        .foregroundColor(.secondary)
+                    Text(mood.title)
+                        .font(.caption.weight(.medium))
+                        .foregroundColor(mood.tint)
                 }
-            }
 
-            HStack(spacing: 6) {
-                starRow(rating: entry.rating)
-                if entry.rating == nil {
-                    Text("No rating")
-                        .font(.caption)
-                        .foregroundColor(.secondary)
-                }
+                Text(entry.note.isEmpty ? String(localized: "journal_no_note") : entry.note)
+                    .font(.subheadline)
+                    .foregroundColor(.secondary)
+                    .lineLimit(2)
             }
-
-            Text(entry.note.isEmpty ? "No note yet." : entry.note)
-                .font(.subheadline)
-                .foregroundColor(.secondary)
-                .lineLimit(2)
         }
-        .padding(.vertical, 4)
+        .padding(.vertical, 6)
     }
 
     private func starRow(rating: Int?) -> some View {
@@ -339,6 +356,19 @@ struct MonthlyNoteEditorView: View {
     }
 }
 
+extension MonthlyCheckInMood {
+    /// Semantic tint per mood — the timeline's color language.
+    var tint: Color {
+        switch self {
+        case .energized: return .orange
+        case .confident: return .positiveGreen
+        case .balanced: return .teal
+        case .cautious: return .yellow
+        case .stressed: return .negativeRed
+        }
+    }
+}
+
 #Preview {
     NavigationStack {
         JournalView()

PortfolioJournal/Views/Onboarding/OnboardingView.swift

@@ -13,6 +13,12 @@ struct OnboardingView: View {
     @State private var showingImportSheet = false
     @State private var showingAddSource = false
 
+    // Forwarded into the ImportDataView sheet — sheets don't inherit
+    // @EnvironmentObject on Mac Catalyst, which crashed the import screen.
+    @EnvironmentObject private var iapService: IAPService
+    @EnvironmentObject private var accountStore: AccountStore
+    @EnvironmentObject private var tabSelection: TabSelectionStore
+
     private let pages: [OnboardingPage] = [
         OnboardingPage(
             icon: "chart.line.uptrend.xyaxis",
@@ -123,6 +129,9 @@ struct OnboardingView: View {
         }
         .sheet(isPresented: $showingImportSheet) {
             ImportDataView(importContext: .onboarding)
+                .environmentObject(iapService)
+                .environmentObject(accountStore)
+                .environmentObject(tabSelection)
         }
         .sheet(isPresented: $showingAddSource) {
             AddSourceView()

PortfolioJournal/Views/Onboarding/WhatsNewView.swift

@@ -7,75 +7,192 @@ struct WhatsNewFeature {
     let description: String
 }
 
+struct WhatsNewRelease: Identifiable {
+    let version: String
+    let features: [WhatsNewFeature]
+    var id: String { version }
+}
+
+// MARK: - Versioned catalog
+//
+// One entry per released version, newest first. The sheet shows the CUMULATIVE
+// diff between the version the user is coming from (lastSeenWhatsNewVersion)
+// and the one they just installed — jumping 1.3.x → 1.4.2 shows 1.4.0 + 1.4.1
+// + 1.4.2, not just the last step. ADD AN ENTRY HERE WITH EVERY RELEASE.
+enum WhatsNewCatalog {
+    static var releases: [WhatsNewRelease] {
+        [
+            WhatsNewRelease(version: "1.5.0", features: [
+                WhatsNewFeature(
+                    icon: "sparkles",
+                    color: .appPrimary,
+                    title: String(localized: "whats_new_150_redesign_title"),
+                    description: String(localized: "whats_new_150_redesign_body")
+                ),
+                WhatsNewFeature(
+                    icon: "figure.mind.and.body",
+                    color: .positiveGreen,
+                    title: String(localized: "whats_new_150_guided_title"),
+                    description: String(localized: "whats_new_150_guided_body")
+                ),
+                WhatsNewFeature(
+                    icon: "circle.dashed.inset.filled",
+                    color: .orange,
+                    title: String(localized: "whats_new_150_rings_title"),
+                    description: String(localized: "whats_new_150_rings_body")
+                )
+            ]),
+            WhatsNewRelease(version: "1.4.2", features: [
+                WhatsNewFeature(
+                    icon: "text.viewfinder",
+                    color: .appPrimary,
+                    title: String(localized: "whats_new_142_ocr_title"),
+                    description: String(localized: "whats_new_142_ocr_body")
+                ),
+                WhatsNewFeature(
+                    icon: "mic.fill",
+                    color: .purple,
+                    title: String(localized: "whats_new_142_siri_title"),
+                    description: String(localized: "whats_new_142_siri_body")
+                ),
+                WhatsNewFeature(
+                    icon: "chart.xyaxis.line",
+                    color: .appSecondary,
+                    title: String(localized: "whats_new_142_charts_title"),
+                    description: String(localized: "whats_new_142_charts_body")
+                )
+            ]),
+            WhatsNewRelease(version: "1.4.1", features: [
+                WhatsNewFeature(
+                    icon: "square.and.arrow.up.circle.fill",
+                    color: .appPrimary,
+                    title: String(localized: "whats_new_141_extension_title"),
+                    description: String(localized: "whats_new_141_extension_body")
+                ),
+                WhatsNewFeature(
+                    icon: "ipad.landscape",
+                    color: .appSecondary,
+                    title: String(localized: "whats_new_141_ipad_title"),
+                    description: String(localized: "whats_new_141_ipad_body")
+                ),
+                WhatsNewFeature(
+                    icon: "icloud.fill",
+                    color: .cyan,
+                    title: String(localized: "whats_new_141_icloud_title"),
+                    description: String(localized: "whats_new_141_icloud_body")
+                )
+            ]),
+            WhatsNewRelease(version: "1.4.0", features: [
+                WhatsNewFeature(
+                    icon: "bolt.circle.fill",
+                    color: .appPrimary,
+                    title: String(localized: "whats_new_quick_update_title"),
+                    description: String(localized: "whats_new_quick_update_body")
+                ),
+                WhatsNewFeature(
+                    icon: "flame.fill",
+                    color: .orange,
+                    title: String(localized: "whats_new_streak_title"),
+                    description: String(localized: "whats_new_streak_body")
+                ),
+                WhatsNewFeature(
+                    icon: "target",
+                    color: .appSecondary,
+                    title: String(localized: "whats_new_goals_title"),
+                    description: String(localized: "whats_new_goals_body")
+                )
+            ])
+        ]
+    }
+
+    /// Releases the user hasn't seen: newer than `since`, no newer than `current`.
+    /// Newest first. `since` empty (pre-1.4.0 installs, before the key existed)
+    /// is treated as "show everything in the catalog".
+    static func pendingReleases(since: String, current: String) -> [WhatsNewRelease] {
+        releases.filter { release in
+            (since.isEmpty || compare(release.version, isNewerThan: since))
+                && !compare(release.version, isNewerThan: current)
+        }
+    }
+
+    /// Numeric semver-style comparison ("1.10.0" > "1.9.0").
+    static func compare(_ a: String, isNewerThan b: String) -> Bool {
+        let aParts = a.split(separator: ".").map { Int($0) ?? 0 }
+        let bParts = b.split(separator: ".").map { Int($0) ?? 0 }
+        for i in 0..<max(aParts.count, bParts.count) {
+            let x = i < aParts.count ? aParts[i] : 0
+            let y = i < bParts.count ? bParts[i] : 0
+            if x != y { return x > y }
+        }
+        return false
+    }
+}
+
+// MARK: - Sheet
+
 struct WhatsNewView: View {
+    let releases: [WhatsNewRelease]
     @Environment(\.dismiss) private var dismiss
 
-    private let features: [WhatsNewFeature] = [
-        WhatsNewFeature(
-            icon: "bolt.circle.fill",
-            color: .appPrimary,
-            title: String(localized: "whats_new_quick_update_title"),
-            description: String(localized: "whats_new_quick_update_body")
-        ),
-        WhatsNewFeature(
-            icon: "flame.fill",
-            color: .orange,
-            title: String(localized: "whats_new_streak_title"),
-            description: String(localized: "whats_new_streak_body")
-        ),
-        WhatsNewFeature(
-            icon: "target",
-            color: .appSecondary,
-            title: String(localized: "whats_new_goals_title"),
-            description: String(localized: "whats_new_goals_body")
-        )
-    ]
+    /// Version headers only add value when the user skipped several releases.
+    private var showsVersionHeaders: Bool { releases.count > 1 }
 
     var body: some View {
         ZStack {
             AppBackground()
 
             VStack(spacing: 0) {
-                Spacer()
+                VStack(spacing: 8) {
+                    Text("🎉")
+                        .font(.system(size: 48))
+                    Text(String(format: String(localized: "whats_new_title_format"), releases.first?.version ?? ""))
+                        .font(.title.weight(.bold))
+                    Text(String(localized: "whats_new_subtitle"))
+                        .font(.subheadline)
+                        .foregroundColor(.secondary)
+                        .multilineTextAlignment(.center)
+                }
+                .padding(.top, 32)
+                .padding(.horizontal)
 
-                VStack(spacing: 32) {
-                    VStack(spacing: 8) {
-                        Text("🎉")
-                            .font(.system(size: 56))
-                        Text(String(localized: "whats_new_title"))
-                            .font(.title.weight(.bold))
-                        Text(String(localized: "whats_new_subtitle"))
-                            .font(.subheadline)
-                            .foregroundColor(.secondary)
-                            .multilineTextAlignment(.center)
-                    }
-
-                    VStack(spacing: 20) {
-                        ForEach(features, id: \.title) { feature in
-                            HStack(spacing: 16) {
-                                Image(systemName: feature.icon)
-                                    .font(.title2)
-                                    .foregroundColor(feature.color)
-                                    .frame(width: 40)
-                                VStack(alignment: .leading, spacing: 2) {
-                                    Text(feature.title)
-                                        .font(.subheadline.weight(.semibold))
-                                    Text(feature.description)
-                                        .font(.caption)
-                                        .foregroundColor(.secondary)
+                ScrollView {
+                    VStack(spacing: 16) {
+                        ForEach(releases) { release in
+                            VStack(alignment: .leading, spacing: 14) {
+                                if showsVersionHeaders {
+                                    Text(String(format: String(localized: "whats_new_version_header"), release.version))
+                                        .font(.caption.weight(.bold))
+                                        .foregroundColor(.appPrimary)
+                                        .padding(.horizontal, 10)
+                                        .padding(.vertical, 4)
+                                        .background(Color.appPrimary.opacity(0.12))
+                                        .clipShape(Capsule())
+                                }
+                                ForEach(release.features, id: \.title) { feature in
+                                    HStack(spacing: 16) {
+                                        Image(systemName: feature.icon)
+                                            .font(.title2)
+                                            .foregroundColor(feature.color)
+                                            .frame(width: 40)
+                                        VStack(alignment: .leading, spacing: 2) {
+                                            Text(feature.title)
+                                                .font(.subheadline.weight(.semibold))
+                                            Text(feature.description)
+                                                .font(.caption)
+                                                .foregroundColor(.secondary)
+                                        }
+                                        Spacer()
+                                    }
                                 }
-                                Spacer()
                             }
+                            .padding()
+                            .frame(maxWidth: .infinity, alignment: .leading)
+                            .background(Color(.secondarySystemGroupedBackground))
+                            .cornerRadius(16)
                         }
                     }
                     .padding()
-                    .background(Color(.systemBackground))
-                    .cornerRadius(16)
-                    .shadow(color: .black.opacity(0.05), radius: 8, y: 2)
                 }
-                .padding()
-
-                Spacer()
 
                 Button {
                     dismiss()

PortfolioJournal/Views/Settings/ImportDataView.swift

@@ -38,6 +38,12 @@ struct ImportDataView: View {
     @State private var pendingCSVContent: String?
     @State private var showingCSVMapping = false
 
+    // Import preview (dry-run) confirmation flow
+    @State private var previewSummary: ImportService.ImportPreview?
+    @State private var isPreviewing = false
+    /// Closure that runs the actual (unchanged) import once the user confirms.
+    @State private var confirmedImportAction: (() -> Void)?
+
     private let accountRepository = AccountRepository()
 
     private var availableAccounts: [Account] {
@@ -68,14 +74,24 @@ struct ImportDataView: View {
                     } label: {
                         Label("Choose File", systemImage: "doc")
                     }
-                    .disabled(isImporting)
+                    .disabled(isImporting || isPreviewing)
 
                     Button {
                         importFromClipboard()
                     } label: {
                         Label("Paste from Clipboard", systemImage: "doc.on.clipboard")
                     }
-                    .disabled(isImporting)
+                    .disabled(isImporting || isPreviewing)
+
+                    if isPreviewing {
+                        HStack(spacing: 8) {
+                            ProgressView()
+                            Text("Reviewing import…")
+                                .font(.caption)
+                                .foregroundColor(.secondary)
+                        }
+                        .padding(.top, 8)
+                    }
 
                     if isImporting {
                         VStack(alignment: .leading, spacing: 8) {
@@ -160,6 +176,33 @@ struct ImportDataView: View {
             } message: {
                 Text(errorMessage ?? "")
             }
+            .alert(
+                "Review Import",
+                isPresented: Binding(
+                    get: { previewSummary != nil },
+                    set: { if !$0 { previewSummary = nil; confirmedImportAction = nil } }
+                )
+            ) {
+                if previewSummary?.hasAnything == true {
+                    Button("Import") {
+                        let action = confirmedImportAction
+                        previewSummary = nil
+                        confirmedImportAction = nil
+                        action?()
+                    }
+                    Button("Cancel", role: .cancel) {
+                        previewSummary = nil
+                        confirmedImportAction = nil
+                    }
+                } else {
+                    Button("OK") {
+                        previewSummary = nil
+                        confirmedImportAction = nil
+                    }
+                }
+            } message: {
+                Text(previewSummary.map(previewMessage) ?? "")
+            }
             .onAppear {
                 // Ensure selectedAccountId is valid and exists in availableAccounts
                 let validIds = Set(availableAccounts.compactMap { $0.safeId })
@@ -420,12 +463,45 @@ Personal,Stocks,Index Fund,2024-01-01,15000,12000,Long-term
             return
         }
 
-        // JSON → import directly
-        runImport(content: content, format: .json, defaultAccountName: resolvedAccountName())
+        // JSON → dry-run preview first, then import on confirm.
+        let accountName = resolvedAccountName()
+        previewThenConfirm(
+            dryRun: {
+                await ImportService.shared.previewImportAsync(
+                    content: content,
+                    format: .json,
+                    allowMultipleAccounts: false,
+                    defaultAccountName: accountName
+                )
+            },
+            onConfirm: {
+                self.runImport(content: content, format: .json, defaultAccountName: accountName)
+            }
+        )
     }
 
     private func performMappedCSVImport(content: String, mapping: ImportService.CSVMappingConfig) {
         let defaultAccountName = resolvedAccountName()
+        // Dry-run preview first, then run the actual (unchanged) import on confirm.
+        previewThenConfirm(
+            dryRun: {
+                await ImportService.shared.previewCSVWithMappingAsync(
+                    content: content,
+                    mapping: mapping,
+                    defaultAccountName: defaultAccountName
+                )
+            },
+            onConfirm: {
+                self.runMappedCSVImport(content: content, mapping: mapping, defaultAccountName: defaultAccountName)
+            }
+        )
+    }
+
+    private func runMappedCSVImport(
+        content: String,
+        mapping: ImportService.CSVMappingConfig,
+        defaultAccountName: String
+    ) {
         isImporting = true
         importProgress = 0
         importStatus = "Parsing file"
@@ -443,6 +519,51 @@ Personal,Stocks,Index Fund,2024-01-01,15000,12000,Long-term
         }
     }
 
+    /// Runs a read-only dry-run, then presents a confirmation with the counts.
+    /// Confirming triggers `onConfirm` (the existing, unchanged import path);
+    /// cancelling does nothing.
+    private func previewThenConfirm(
+        dryRun: @escaping () async -> ImportService.ImportPreview,
+        onConfirm: @escaping () -> Void
+    ) {
+        isPreviewing = true
+        Task {
+            let preview = await dryRun()
+            isPreviewing = false
+            confirmedImportAction = onConfirm
+            previewSummary = preview
+        }
+    }
+
+    private func previewMessage(_ preview: ImportService.ImportPreview) -> String {
+        guard preview.hasAnything else {
+            return String(localized: "import_preview_nothing")
+        }
+        var parts: [String] = []
+        if preview.sourcesToCreate > 0 {
+            parts.append(String(format: String(localized: "import_preview_sources"), preview.sourcesToCreate))
+        }
+        if preview.snapshotsToCreate > 0 {
+            parts.append(String(format: String(localized: "import_preview_snapshots_new"), preview.snapshotsToCreate))
+        }
+        if preview.snapshotsToUpdate > 0 {
+            parts.append(String(format: String(localized: "import_preview_snapshots_update"), preview.snapshotsToUpdate))
+        }
+        if preview.categoriesToCreate > 0 {
+            parts.append(String(format: String(localized: "import_preview_categories"), preview.categoriesToCreate))
+        }
+        if preview.goalsToCreate > 0 {
+            parts.append(String(format: String(localized: "import_preview_goals"), preview.goalsToCreate))
+        }
+        if preview.journalToCreate > 0 {
+            parts.append(String(format: String(localized: "import_preview_journal_new"), preview.journalToCreate))
+        }
+        if preview.journalToUpdate > 0 {
+            parts.append(String(format: String(localized: "import_preview_journal_update"), preview.journalToUpdate))
+        }
+        return parts.joined(separator: "\n")
+    }
+
     private func runImport(content: String, format: ImportService.ImportFormat, defaultAccountName: String) {
         isImporting = true
         importProgress = 0

PortfolioJournal/Views/Settings/SettingsView.swift

@@ -6,7 +6,10 @@ struct SettingsView: View {
     private let iapService: IAPService
     @StateObject private var viewModel: SettingsViewModel
     @EnvironmentObject private var adMobService: AdMobService
+    @EnvironmentObject private var accountStore: AccountStore
+    @EnvironmentObject private var tabSelection: TabSelectionStore
     @AppStorage("showForecast") private var showForecast = true
+    @AppStorage("smoothChartGaps") private var smoothChartGaps = true
     @AppStorage("cloudSyncEnabled") private var cloudSyncEnabled = false
     @AppStorage("faceIdEnabled") private var faceIdEnabled = false
     @AppStorage("pinEnabled") private var pinEnabled = false
@@ -15,6 +18,7 @@ struct SettingsView: View {
 
     @ObservedObject private var cloudStack = CoreDataStack.shared
     @ObservedObject private var updateService = AppUpdateService.shared
+    @ObservedObject private var balancePrivacy = BalancePrivacyManager.shared
 
     @State private var showingPinSetup = false
     @State private var showingPinChange = false
@@ -55,6 +59,9 @@ struct SettingsView: View {
                         backupsSection
                     }
 
+                    // Privacy Section
+                    privacySection
+
                     // Security Section
                     securitySection
 
@@ -86,7 +93,11 @@ struct SettingsView: View {
                 ActivityView(activityItems: [shareItem.url])
             }
             .sheet(isPresented: $viewModel.showingImportSheet) {
+                // Sheets don't inherit @EnvironmentObject on Mac Catalyst → re-inject.
                 ImportDataView()
+                    .environmentObject(iapService)
+                    .environmentObject(accountStore)
+                    .environmentObject(tabSelection)
             }
             .confirmationDialog(
                 "Reset All Data",
@@ -425,20 +436,57 @@ struct SettingsView: View {
                         }
                     }
 
-                    // CloudKit error (if any)
+                    // CloudKit status: only alarm (red) when sync is genuinely
+                    // broken. A partial failure while data is syncing is shown as
+                    // a calm "still syncing" note, not a scary error.
                     if let error = cloudStack.lastSyncError {
-                        VStack(alignment: .leading, spacing: 2) {
-                            Label("CloudKit error", systemImage: "exclamationmark.icloud")
-                                .font(.caption.weight(.semibold))
-                                .foregroundColor(.red)
-                            Text(error)
-                                .font(.caption2)
-                                .foregroundColor(.red)
-                                .lineLimit(6)
-                                .textSelection(.enabled)
+                        let critical = cloudStack.syncErrorIsCritical
+                        VStack(alignment: .leading, spacing: 4) {
+                            Label(
+                                critical
+                                    ? String(localized: "icloud_status_error")
+                                    : String(localized: "icloud_status_syncing"),
+                                systemImage: critical ? "exclamationmark.icloud" : "arrow.triangle.2.circlepath.icloud"
+                            )
+                            .font(.caption.weight(.semibold))
+                            .foregroundColor(critical ? .red : .secondary)
+
+                            if critical, let hint = cloudStack.lastSyncErrorHint {
+                                Text(hint)
+                                    .font(.caption)
+                                    .foregroundColor(.primary)
+                            }
+
+                            // Technical detail is opt-in behind a disclosure, so it
+                            // never dominates the screen for a benign partial sync.
+                            DisclosureGroup(String(localized: "icloud_show_details")) {
+                                if let hint = cloudStack.lastSyncErrorHint, !critical {
+                                    Text(hint)
+                                        .font(.caption2)
+                                        .foregroundColor(.secondary)
+                                }
+                                Text(error)
+                                    .font(.caption2)
+                                    .foregroundColor(.secondary)
+                                    .textSelection(.enabled)
+                            }
+                            .font(.caption2)
+                            .tint(.secondary)
                         }
                     }
 
+                    // Always-available diagnostics: copies status + last error (with
+                    // the inner CloudKit codes) so it can be shared for support.
+                    Button {
+                        UIPasteboard.general.string = iCloudDiagnostics()
+                        forceUploadResult = String(localized: "icloud_diagnostics_copied")
+                        DispatchQueue.main.asyncAfter(deadline: .now() + 4) { forceUploadResult = nil }
+                    } label: {
+                        Label(String(localized: "icloud_copy_diagnostics"), systemImage: "doc.on.doc")
+                            .font(.caption)
+                            .foregroundColor(.appPrimary)
+                    }
+
                     // Force upload — use when data exists locally but hasn't reached iCloud
                     if cloudStack.localSourceCount > 0 {
                         if let result = forceUploadResult {
@@ -490,6 +538,27 @@ struct SettingsView: View {
                 }
             }
 
+            if viewModel.backupsEnabled {
+                Picker("Auto Backup", selection: Binding(
+                    get: { viewModel.autoBackupFrequencyDays },
+                    set: { viewModel.updateAutoBackupFrequency($0) }
+                )) {
+                    Text("Off").tag(0)
+                    Text("Daily").tag(1)
+                    Text("Weekly").tag(7)
+                    Text("Monthly").tag(30)
+                }
+                if let last = viewModel.lastAutoBackupDate {
+                    HStack {
+                        Text("Last auto backup")
+                        Spacer()
+                        Text(last, style: .date)
+                            .foregroundColor(.secondary)
+                    }
+                    .font(.caption)
+                }
+            }
+
             NavigationLink {
                 CategoriesView()
             } label: {
@@ -612,6 +681,24 @@ struct SettingsView: View {
 
     // MARK: - Security Section
 
+    private var privacySection: some View {
+        Section {
+            Toggle("Hide Balances", isOn: $balancePrivacy.balancesHidden)
+
+            Toggle("Require Face ID to Reveal", isOn: $balancePrivacy.requireBiometricToReveal)
+                .onChange(of: balancePrivacy.requireBiometricToReveal) { _, enabled in
+                    if enabled && !AppLockService.canUseBiometrics() {
+                        balancePrivacy.requireBiometricToReveal = false
+                        showingBiometricAlert = true
+                    }
+                }
+        } header: {
+            Text("Privacy")
+        } footer: {
+            Text("Hide all monetary amounts behind a blur. Great for using the app in public or taking screenshots. Optionally require Face ID to reveal them.")
+        }
+    }
+
     private var securitySection: some View {
         Section {
             Toggle("Require PIN", isOn: $pinEnabled)
@@ -706,6 +793,7 @@ struct SettingsView: View {
     private var longTermSection: some View {
         Section {
             Toggle("Show Forecast", isOn: $showForecast)
+            Toggle("Smooth Gaps in Charts", isOn: $smoothChartGaps)
 
             NavigationLink {
                 AllocationTargetsView()
@@ -849,6 +937,26 @@ struct SettingsView: View {
         formatter.countStyle = .file
         return formatter.string(fromByteCount: bytes)
     }
+
+    /// Copyable iCloud diagnostics snapshot for support/debugging.
+    private func iCloudDiagnostics() -> String {
+        let df = ISO8601DateFormatter()
+        var lines: [String] = ["Portfolio Journal — iCloud diagnostics"]
+        lines.append("app: \(Bundle.main.infoDictionary?["CFBundleShortVersionString"] as? String ?? "?") (\(Bundle.main.infoDictionary?["CFBundleVersion"] as? String ?? "?"))")
+        lines.append("local: \(cloudStack.localSourceCount) sources · \(cloudStack.localSnapshotCount) snapshots")
+        lines.append("lastImport: \(cloudStack.lastImportDate.map { df.string(from: $0) } ?? "never")")
+        lines.append("lastExport: \(cloudStack.lastExportDate.map { df.string(from: $0) } ?? "never")")
+        lines.append("critical: \(cloudStack.syncErrorIsCritical)")
+        lines.append("hint: \(cloudStack.lastSyncErrorHint ?? "—")")
+        lines.append("error: \(cloudStack.lastSyncError ?? "none this session")")
+        lines.append("")
+        lines.append("— integrity —")
+        lines.append(cloudStack.integrityReport())
+        lines.append("")
+        lines.append("— error detail —")
+        lines.append(cloudStack.lastSyncErrorDetail ?? "none this session")
+        return lines.joined(separator: "\n")
+    }
 }
 
 // MARK: - Activity View

PortfolioJournal/Views/Sources/AddSourceView.swift

@@ -11,6 +11,9 @@ struct AddSourceView: View {
     @State private var showingCategoryPicker = false
     @State private var selectedAccountId: UUID?
     @State private var duplicateError: String?
+    // Set when the source was saved without a value — routes the user straight
+    // into their first check-in instead of dropping them on an empty dashboard.
+    @State private var pendingSnapshotSource: InvestmentSource?
 
     @StateObject private var categoryRepository = CategoryRepository()
     @StateObject private var sourceRepository = InvestmentSourceRepository()
@@ -83,7 +86,8 @@ struct AddSourceView: View {
                     }
                 }
 
-                // Initial Value (Optional)
+                // Today's value — becomes the first snapshot. Framed as the default
+                // (not "optional"): most users who skipped it never recorded a check-in.
                 Section {
                     HStack {
                         Text(currencySymbol)
@@ -93,9 +97,9 @@ struct AddSourceView: View {
                             .keyboardType(.decimalPad)
                     }
                 } header: {
-                    Text("Initial Value (Optional)")
+                    Text(String(localized: "add_source_value_header"))
                 } footer: {
-                    Text("You can add snapshots later if you prefer.")
+                    Text(String(localized: "add_source_value_footer"))
                 }
             }
             .navigationTitle("Add Source")
@@ -121,6 +125,9 @@ struct AddSourceView: View {
                     categories: categoryRepository.categories
                 )
             }
+            .sheet(item: $pendingSnapshotSource, onDismiss: { dismiss() }) { source in
+                AddSnapshotView(source: source)
+            }
             .onAppear {
                 categoryRepository.createDefaultCategoriesIfNeeded()
                 if selectedCategory == nil {
@@ -166,6 +173,7 @@ struct AddSourceView: View {
         )
 
         // Add initial snapshot if provided
+        let hasInitialSnapshot: Bool
         if let value = parseDecimal(initialValue), value > 0 {
             let snapshotRepository = SnapshotRepository()
             snapshotRepository.createSnapshot(
@@ -173,6 +181,9 @@ struct AddSourceView: View {
                 date: Date(),
                 value: value
             )
+            hasInitialSnapshot = true
+        } else {
+            hasInitialSnapshot = false
         }
 
         // Schedule notification
@@ -190,7 +201,13 @@ struct AddSourceView: View {
             sourceCount: repository.sourceCount
         )
 
-        dismiss()
+        if hasInitialSnapshot {
+            dismiss()
+        } else {
+            // No value entered: open the first check-in right away so the user
+            // reaches the moment of value instead of an empty dashboard.
+            pendingSnapshotSource = source
+        }
     }
 
     private func parseDecimal(_ string: String) -> Decimal? {
@@ -400,13 +417,13 @@ struct AddSnapshotView: View {
     @State private var showingPropagationDialog = false
     @State private var pendingContribution: Decimal?
 
-    init(source: InvestmentSource, snapshot: Snapshot? = nil) {
+    init(source: InvestmentSource, snapshot: Snapshot? = nil, initialDate: Date? = nil) {
         self.source = source
         self.snapshot = snapshot
         if let snapshot = snapshot {
             _viewModel = StateObject(wrappedValue: SnapshotFormViewModel(source: source, mode: .edit(snapshot)))
         } else {
-            _viewModel = StateObject(wrappedValue: SnapshotFormViewModel(source: source))
+            _viewModel = StateObject(wrappedValue: SnapshotFormViewModel(source: source, initialDate: initialDate))
         }
     }
 

PortfolioJournal/Views/Sources/SourceDetailView.swift

@@ -138,6 +138,7 @@ struct SourceDetailView: View {
             // Current value
             Text(viewModel.formattedCurrentValue)
                 .font(.system(size: 36, weight: .bold, design: .rounded))
+                .hiddenBalance()
 
             // Return
             HStack(spacing: 4) {
@@ -517,11 +518,13 @@ struct SnapshotRowView: View {
             VStack(alignment: .trailing, spacing: 2) {
                 Text(snapshot.formattedValue)
                     .font(.subheadline.weight(.medium))
+                    .hiddenBalance()
 
                 if snapshot.contribution != nil && snapshot.decimalContribution > 0 {
                     Text("+ \(snapshot.decimalContribution.currencyString)")
                         .font(.caption)
                         .foregroundColor(.appPrimary)
+                        .hiddenBalance()
                 }
             }
 

PortfolioJournal/Views/Sources/SourceListView.swift

@@ -213,6 +213,7 @@ struct SourceListView: View {
                                 .foregroundColor(.secondary)
                             Text(viewModel.formattedTotalValue)
                                 .font(.title2.weight(.bold))
+                                .hiddenBalance()
                         }
 
                         Spacer()
@@ -503,9 +504,13 @@ struct SourceRowView: View {
                         .foregroundColor(.secondary)
 
                     if source.needsUpdate {
-                        Label("Needs update", systemImage: "bell.badge.fill")
-                            .font(.caption2)
+                        Label("Needs update", systemImage: "clock.fill")
+                            .font(.caption2.weight(.semibold))
                             .foregroundColor(.appWarning)
+                            .padding(.horizontal, 8)
+                            .padding(.vertical, 3)
+                            .background(Color.appWarning.opacity(0.12))
+                            .clipShape(Capsule())
                     }
                 }
             }
@@ -515,7 +520,8 @@ struct SourceRowView: View {
             // Value
             VStack(alignment: .trailing, spacing: 4) {
                 Text(source.latestValue.compactCurrencyString)
-                    .font(.subheadline.weight(.semibold))
+                    .font(.system(.subheadline, design: .rounded).weight(.semibold))
+                    .hiddenBalance()
 
                 HStack(spacing: 2) {
                     Image(systemName: source.totalReturn >= 0 ? "arrow.up.right" : "arrow.down.right")

PortfolioJournalUITests/PortfolioJournalUITests.swift

@@ -309,6 +309,83 @@ final class PortfolioJournalUITests: XCTestCase {
         add(paywallShot)
     }
 
+    /// Calm 2.0 Fase 2: walks the guided check-in end to end — enter a value on
+    /// the first source (live delta), skip the rest, pick a mood, finish, and
+    /// verify the closing summary appears. `--pending-checkin` puts the seeded
+    /// data back into a "month not done" state.
+    func testGuidedCheckInFlow() throws {
+        XCUIDevice.shared.orientation = .portrait
+        let capture = XCUIApplication()
+        capture.launchArguments = ["--screenshots", "--pending-checkin"]
+        capture.launch()
+        Thread.sleep(forTimeInterval: 4.0)
+
+        let springboard = XCUIApplication(bundleIdentifier: "com.apple.springboard")
+        let denyButton = springboard.alerts.buttons["Don't Allow"]
+        if denyButton.waitForExistence(timeout: 3) {
+            denyButton.tap()
+            Thread.sleep(forTimeInterval: 1.0)
+        }
+
+        func snap(_ name: String) {
+            let shot = XCTAttachment(screenshot: capture.screenshot())
+            shot.name = name
+            shot.lifetime = .keepAlways
+            add(shot)
+        }
+
+        snap("guided_00_home_pending")
+
+        let cta = capture.buttons["checkin_start_cta"].firstMatch
+        XCTAssertTrue(cta.waitForExistence(timeout: 5), "Pending check-in CTA not found on Home")
+        cta.tap()
+        Thread.sleep(forTimeInterval: 1.5)
+
+        // First source: type a value, verify Next enables, advance
+        let valueField = capture.textFields["guided_value_field"].firstMatch
+        XCTAssertTrue(valueField.waitForExistence(timeout: 5), "Guided flow value field not found")
+        valueField.tap()
+        valueField.typeText("12345")
+        Thread.sleep(forTimeInterval: 0.5)
+        snap("guided_01_source_value")
+
+        let next = capture.buttons["guided_next_btn"].firstMatch
+        XCTAssertTrue(next.isEnabled, "Next should enable after typing a value")
+        next.tap()
+        Thread.sleep(forTimeInterval: 0.8)
+
+        // Skip the remaining sources until the reflection step appears
+        let finish = capture.buttons["guided_finish_btn"].firstMatch
+        var hops = 0
+        while !finish.exists && hops < 20 {
+            let skip = capture.buttons["guided_skip_btn"].firstMatch
+            guard skip.waitForExistence(timeout: 2) else { break }
+            skip.tap()
+            Thread.sleep(forTimeInterval: 0.6)
+            hops += 1
+        }
+        XCTAssertTrue(finish.waitForExistence(timeout: 5), "Reflection step not reached")
+        snap("guided_02_reflection")
+
+        // Pick a mood and finish
+        let mood = capture.otherElements["guided_mood_balanced"].firstMatch
+        if mood.exists {
+            mood.tap()
+        } else if capture.buttons["guided_mood_balanced"].firstMatch.exists {
+            capture.buttons["guided_mood_balanced"].firstMatch.tap()
+        }
+        Thread.sleep(forTimeInterval: 0.5)
+        finish.tap()
+        Thread.sleep(forTimeInterval: 2.0)
+        snap("guided_03_done")
+
+        XCTAssertTrue(
+            capture.staticTexts.matching(NSPredicate(format: "label CONTAINS[c] 'check-in done'")).firstMatch
+                .waitForExistence(timeout: 5),
+            "Closing summary did not appear after finishing the check-in"
+        )
+    }
+
     /// Captures full-screen screenshots of the main tabs with demo data for App Store
     /// marketing. Launches the app in `--screenshots` mode (onboarding/lock skipped,
     /// SampleDataService seeded). Language can be driven via the SCREENSHOT_LANG env var

PortfolioJournalWidget/InvestmentWidget.swift

@@ -1,6 +1,7 @@
 import WidgetKit
 import SwiftUI
 import CoreData
+import AppIntents
 
 private let appGroupIdentifier = "group.com.alexandrevazquez.portfoliojournal"
 private let storeFileName = "PortfolioJournal.sqlite"
@@ -76,6 +77,26 @@ struct InvestmentWidgetEntry: TimelineEntry {
     let currencyCode: String
     let insightTitle: String
     let insightValue: String
+
+    // Engagement + progress metrics (v1.6.0)
+    let streak: Int
+    let nextCheckInDate: Date?
+    /// Nearest active goal (soonest target date, else smallest target) if any.
+    let nearestGoal: GoalSummary?
+    /// Progress [0...1] of totalValue toward the nearest goal's target.
+    let nearestGoalProgress: Double
+    /// Fraction [0...1] toward the next net-worth milestone (fallback gauge when no goal).
+    let milestoneProgress: Double
+    /// The next milestone amount used for the fallback gauge (0 when none).
+    let nextMilestone: Decimal
+
+    /// True when the store has no usable portfolio data yet.
+    var hasData: Bool { totalValue != 0 || !trendPoints.isEmpty || !topSources.isEmpty }
+
+    /// A gauge value [0...1]: nearest-goal progress if a goal exists, else milestone progress.
+    var primaryGaugeProgress: Double {
+        nearestGoal != nil ? nearestGoalProgress : milestoneProgress
+    }
 }
 
 struct CategorySeries: Identifiable {
@@ -143,7 +164,13 @@ struct InvestmentWidgetProvider: TimelineProvider {
             ],
             currencyCode: "EUR",
             insightTitle: "Milestone ahead",
-            insightValue: "€5K from €50K"
+            insightValue: "€5K from €50K",
+            streak: 4,
+            nextCheckInDate: Calendar.current.date(byAdding: .day, value: 6, to: Date()),
+            nearestGoal: GoalSummary(name: "Target", targetAmount: 75000, targetDate: nil),
+            nearestGoalProgress: 0.66,
+            milestoneProgress: 0.5,
+            nextMilestone: 100000
         )
     }
 
@@ -182,7 +209,13 @@ struct InvestmentWidgetProvider: TimelineProvider {
                 goals: [],
                 currencyCode: currencyCode,
                 insightTitle: "",
-                insightValue: ""
+                insightValue: "",
+                streak: 0,
+                nextCheckInDate: nil,
+                nearestGoal: nil,
+                nearestGoalProgress: 0,
+                milestoneProgress: 0,
+                nextMilestone: 0
             )
         }
 
@@ -368,6 +401,84 @@ struct InvestmentWidgetProvider: TimelineProvider {
             }
         }
 
+        // MARK: Streak — consecutive months (year+month) that have snapshot data,
+        // counting back from the most recent. Mirrors DashboardViewModel.computeStreak.
+        let streak: Int = {
+            let monthDates = Set(sortedTotals.map { pair -> DateComponents in
+                let c = calendar.dateComponents([.year, .month], from: pair.0)
+                return DateComponents(year: c.year, month: c.month)
+            })
+            let sortedMonthsDesc = monthDates
+                .compactMap { calendar.date(from: $0) }
+                .sorted(by: >)
+            guard let mostRecent = sortedMonthsDesc.first else { return 0 }
+            var count = 1
+            var current = mostRecent
+            for i in 1..<max(sortedMonthsDesc.count, 1) {
+                guard i < sortedMonthsDesc.count,
+                      let expected = calendar.date(byAdding: .month, value: -1, to: current) else { break }
+                let prev = sortedMonthsDesc[i]
+                let pc = calendar.dateComponents([.year, .month], from: prev)
+                let ec = calendar.dateComponents([.year, .month], from: expected)
+                if pc.year == ec.year && pc.month == ec.month {
+                    count += 1
+                    current = prev
+                } else {
+                    break
+                }
+            }
+            return count
+        }()
+
+        // MARK: Next check-in date — from the most recent completed JournalEntry.
+        // Mirrors DashboardView.nextCheckInDate (common case, without grace-period edge).
+        let nextCheckInDate: Date? = {
+            let journalRequest = NSFetchRequest<NSManagedObject>(entityName: "JournalEntry")
+            journalRequest.predicate = NSPredicate(format: "completionTime != nil")
+            journalRequest.sortDescriptors = [NSSortDescriptor(key: "completionTime", ascending: false)]
+            journalRequest.fetchLimit = 1
+            let lastCompletion = (try? context.fetch(journalRequest))?.first?
+                .value(forKey: "completionTime") as? Date
+            let base = lastCompletion ?? Date()
+            let startOfMonth = calendar.date(from: calendar.dateComponents([.year, .month], from: base)) ?? base
+            // For a prior check-in, next is the end of the following month; otherwise
+            // the end of the current month.
+            let targetMonthStart: Date
+            if lastCompletion != nil {
+                targetMonthStart = calendar.date(byAdding: .month, value: 1, to: startOfMonth) ?? startOfMonth
+            } else {
+                targetMonthStart = startOfMonth
+            }
+            guard let nextMonthStart = calendar.date(byAdding: .month, value: 1, to: targetMonthStart) else {
+                return targetMonthStart
+            }
+            return calendar.date(byAdding: .day, value: -1, to: nextMonthStart)
+        }()
+
+        // MARK: Nearest goal + progress toward target from current total value.
+        let nearestGoal = goals.first
+        var nearestGoalProgress = 0.0
+        if let goal = nearestGoal {
+            let target = NSDecimalNumber(decimal: goal.targetAmount).doubleValue
+            if target > 0 {
+                nearestGoalProgress = min(max(NSDecimalNumber(decimal: totalValue).doubleValue / target, 0), 1)
+            }
+        }
+
+        // MARK: Milestone gauge (fallback when there's no goal).
+        let milestoneLadder: [Double] = [1000, 2500, 5000, 10000, 25000, 50000, 100000, 250000, 500000, 1_000_000, 2_500_000, 5_000_000]
+        let totalForMilestone = NSDecimalNumber(decimal: totalValue).doubleValue
+        var milestoneProgress = 0.0
+        var nextMilestone: Decimal = 0
+        if let nextMs = milestoneLadder.first(where: { $0 > totalForMilestone }) {
+            let prevMs = milestoneLadder.last(where: { $0 <= totalForMilestone }) ?? 0
+            let span = nextMs - prevMs
+            milestoneProgress = span > 0 ? min(max((totalForMilestone - prevMs) / span, 0), 1) : 0
+            nextMilestone = Decimal(nextMs)
+        } else if totalForMilestone > 0 {
+            milestoneProgress = 1
+        }
+
         // Compute top insight
         var insightTitle = ""
         var insightValue = ""
@@ -417,77 +528,251 @@ struct InvestmentWidgetProvider: TimelineProvider {
             goals: goals,
             currencyCode: currencyCode,
             insightTitle: insightTitle,
-            insightValue: insightValue
+            insightValue: insightValue,
+            streak: streak,
+            nextCheckInDate: nextCheckInDate,
+            nearestGoal: nearestGoal,
+            nearestGoalProgress: nearestGoalProgress,
+            milestoneProgress: milestoneProgress,
+            nextMilestone: nextMilestone
         )
     }
 }
 
+// MARK: - Shared Formatting Helpers
+
+private func checkInText(for date: Date?) -> String {
+    guard let date = date else { return "—" }
+    let cal = Calendar.current
+    let days = cal.dateComponents([.day], from: Date().startOfWidgetDay, to: date.startOfWidgetDay).day ?? 0
+    if days < 0 { return "Overdue" }
+    if days == 0 { return "Due today" }
+    if days == 1 { return "Due tomorrow" }
+    if days <= 21 { return "In \(days)d" }
+    let formatter = DateFormatter()
+    formatter.dateFormat = "MMM d"
+    return formatter.string(from: date)
+}
+
+private func checkInIsUrgent(_ date: Date?) -> Bool {
+    guard let date = date else { return false }
+    let cal = Calendar.current
+    let days = cal.dateComponents([.day], from: Date().startOfWidgetDay, to: date.startOfWidgetDay).day ?? 0
+    return days <= 3
+}
+
+private extension Date {
+    var startOfWidgetDay: Date { Calendar.current.startOfDay(for: self) }
+}
+
+// MARK: - Change Line (shared)
+
+struct ChangeLine: View {
+    let entry: InvestmentWidgetEntry
+    var compact: Bool = false
+
+    var body: some View {
+        HStack(spacing: 4) {
+            Image(systemName: entry.dayChange >= 0 ? "arrow.up.right" : "arrow.down.right")
+                .font(.caption2)
+            Text(entry.dayChange.compactCurrencyString(currencyCode: entry.currencyCode))
+                .font(.caption.weight(.medium))
+            Text("(\(String(format: "%.1f%%", entry.dayChangePercentage)))")
+                .font(.caption2)
+                .foregroundColor(compact ? (entry.dayChange >= 0 ? .green : .red) : .secondary)
+        }
+        .foregroundColor(entry.dayChange >= 0 ? .green : .red)
+        .lineLimit(1)
+        .minimumScaleFactor(0.8)
+    }
+}
+
+// MARK: - Metric Pills (shared)
+
+struct StreakPill: View {
+    let streak: Int
+    var body: some View {
+        HStack(spacing: 3) {
+            Image(systemName: "flame.fill")
+                .font(.caption2)
+                .foregroundColor(.orange)
+            Text("\(streak) mo")
+                .font(.caption2.weight(.semibold))
+        }
+    }
+}
+
+struct CheckInPill: View {
+    let date: Date?
+    var body: some View {
+        HStack(spacing: 3) {
+            Image(systemName: "calendar.badge.clock")
+                .font(.caption2)
+                .foregroundColor(checkInIsUrgent(date) ? .orange : .secondary)
+            Text(checkInText(for: date))
+                .font(.caption2.weight(.medium))
+                .foregroundColor(checkInIsUrgent(date) ? .orange : .secondary)
+        }
+        .lineLimit(1)
+    }
+}
+
+// MARK: - Goal Progress Row (shared)
+
+struct GoalProgressRow: View {
+    let entry: InvestmentWidgetEntry
+
+    var body: some View {
+        if let goal = entry.nearestGoal {
+            let pct = entry.nearestGoalProgress
+            VStack(alignment: .leading, spacing: 4) {
+                HStack {
+                    Image(systemName: "target")
+                        .font(.caption2)
+                        .foregroundColor(widgetSecondaryColor)
+                    Text(goal.name)
+                        .font(.caption.weight(.semibold))
+                        .lineLimit(1)
+                    Spacer()
+                    Text("\(Int((pct * 100).rounded()))%")
+                        .font(.caption.weight(.bold))
+                        .foregroundColor(widgetSecondaryColor)
+                }
+                ProgressView(value: pct)
+                    .tint(widgetSecondaryColor)
+                HStack {
+                    Text(entry.totalValue.compactCurrencyString(currencyCode: entry.currencyCode))
+                        .font(.caption2)
+                        .foregroundColor(.secondary)
+                    Spacer()
+                    Text(goal.targetAmount.compactCurrencyString(currencyCode: entry.currencyCode))
+                        .font(.caption2)
+                        .foregroundColor(.secondary)
+                }
+            }
+        } else if entry.nextMilestone > 0 {
+            VStack(alignment: .leading, spacing: 4) {
+                HStack {
+                    Image(systemName: "flag.checkered")
+                        .font(.caption2)
+                        .foregroundColor(widgetSecondaryColor)
+                    Text("Next milestone")
+                        .font(.caption.weight(.semibold))
+                    Spacer()
+                    Text("\(Int((entry.milestoneProgress * 100).rounded()))%")
+                        .font(.caption.weight(.bold))
+                        .foregroundColor(widgetSecondaryColor)
+                }
+                ProgressView(value: entry.milestoneProgress)
+                    .tint(widgetSecondaryColor)
+                HStack {
+                    Spacer()
+                    Text(entry.nextMilestone.compactCurrencyString(currencyCode: entry.currencyCode))
+                        .font(.caption2)
+                        .foregroundColor(.secondary)
+                }
+            }
+        }
+    }
+}
+
 // MARK: - Small Widget View
 
 struct SmallWidgetView: View {
     let entry: InvestmentWidgetEntry
 
     var body: some View {
-        VStack(alignment: .leading, spacing: 8) {
-            Text("Total Value")
-                .font(.caption)
-                .foregroundColor(.secondary)
+        Group {
+            if entry.hasData {
+                VStack(alignment: .leading, spacing: 6) {
+                    Text("Total Value")
+                        .font(.caption)
+                        .foregroundColor(.secondary)
 
-            Text(entry.totalValue.compactCurrencyString(currencyCode: entry.currencyCode))
-                .font(.title2.weight(.bold))
-                .minimumScaleFactor(0.7)
-                .lineLimit(1)
+                    Text(entry.totalValue.compactCurrencyString(currencyCode: entry.currencyCode))
+                        .font(.title2.weight(.bold))
+                        .minimumScaleFactor(0.7)
+                        .lineLimit(1)
 
-            VStack(alignment: .leading, spacing: 4) {
-                Image(systemName: entry.dayChange >= 0 ? "arrow.up.right" : "arrow.down.right")
-                    .font(.caption2)
+                    ChangeLine(entry: entry, compact: true)
+                    Text("since last check-in")
+                        .font(.caption2)
+                        .foregroundColor(.secondary)
 
-                Text(entry.dayChange.compactCurrencyString(currencyCode: entry.currencyCode))
-                    .font(.caption.weight(.medium))
+                    Spacer(minLength: 0)
 
-                Text(String(format: "%.1f%% since last", entry.dayChangePercentage))
-                    .font(.caption2)
-                    .foregroundColor(.secondary)
+                    HStack {
+                        if entry.streak >= 1 { StreakPill(streak: entry.streak) }
+                        Spacer()
+                        CheckInPill(date: entry.nextCheckInDate)
+                    }
+                }
+            } else {
+                EmptyStateView()
             }
-            .foregroundColor(entry.dayChange >= 0 ? .green : .red)
-
-            Spacer()
         }
         .padding()
         .containerBackground(.background, for: .widget)
     }
 }
 
+// MARK: - Empty State
+
+struct EmptyStateView: View {
+    var body: some View {
+        VStack(spacing: 8) {
+            Image(systemName: "chart.line.uptrend.xyaxis")
+                .font(.title)
+                .foregroundColor(widgetPrimaryColor)
+            Text("No data yet")
+                .font(.subheadline.weight(.semibold))
+            Text("Add a snapshot to start tracking.")
+                .font(.caption2)
+                .foregroundColor(.secondary)
+                .multilineTextAlignment(.center)
+        }
+        .frame(maxWidth: .infinity, maxHeight: .infinity)
+    }
+}
+
 // MARK: - Medium Widget View
 
 struct MediumWidgetView: View {
     let entry: InvestmentWidgetEntry
 
     var body: some View {
+        if !entry.hasData {
+            EmptyStateView()
+                .padding()
+                .containerBackground(.background, for: .widget)
+        } else {
+            content
+        }
+    }
+
+    private var content: some View {
         HStack(spacing: 16) {
-            // Left side - Total value
+            // Left side - Total value + engagement metrics
             VStack(alignment: .leading, spacing: 8) {
-                Text("Portfolio")
-                    .font(.caption)
-                    .foregroundColor(.secondary)
+                HStack(spacing: 6) {
+                    Text("Portfolio")
+                        .font(.caption)
+                        .foregroundColor(.secondary)
+                    Spacer(minLength: 0)
+                    WidgetRefreshButton()
+                }
 
                 Text(entry.totalValue.compactCurrencyString(currencyCode: entry.currencyCode))
                     .font(.title.weight(.bold))
                     .minimumScaleFactor(0.7)
                     .lineLimit(1)
 
-                HStack(spacing: 4) {
-                    Image(systemName: entry.dayChange >= 0 ? "arrow.up.right" : "arrow.down.right")
-                        .font(.caption2)
+                ChangeLine(entry: entry)
 
-                    Text(entry.dayChange.compactCurrencyString(currencyCode: entry.currencyCode))
-                        .font(.caption.weight(.medium))
+                Spacer(minLength: 4)
 
-                    Text("(\(String(format: "%.1f%%", entry.dayChangePercentage)))")
-                        .font(.caption)
-                        .foregroundColor(.secondary)
-                }
-                .foregroundColor(entry.dayChange >= 0 ? .green : .red)
+                if entry.streak >= 1 { StreakPill(streak: entry.streak) }
+                CheckInPill(date: entry.nextCheckInDate)
             }
 
             Spacer()
@@ -574,7 +859,17 @@ struct LargeWidgetView: View {
     }
 
     var body: some View {
-        VStack(alignment: .leading, spacing: 12) {
+        if !entry.hasData {
+            EmptyStateView()
+                .padding()
+                .containerBackground(.background, for: .widget)
+        } else {
+            content
+        }
+    }
+
+    private var content: some View {
+        VStack(alignment: .leading, spacing: 10) {
             HStack(alignment: .top) {
                 VStack(alignment: .leading, spacing: 6) {
                     Text("Portfolio")
@@ -586,27 +881,20 @@ struct LargeWidgetView: View {
                         .minimumScaleFactor(0.7)
                         .lineLimit(1)
 
-                    HStack(spacing: 4) {
-                        Image(systemName: entry.dayChange >= 0 ? "arrow.up.right" : "arrow.down.right")
-                            .font(.caption2)
-
-                        Text(entry.dayChange.compactCurrencyString(currencyCode: entry.currencyCode))
-                            .font(.caption.weight(.medium))
-
-                        Text("(\(String(format: "%.1f%%", entry.dayChangePercentage)))")
-                            .font(.caption2)
-                            .foregroundColor(.secondary)
-                    }
-                    .foregroundColor(entry.dayChange >= 0 ? .green : .red)
+                    ChangeLine(entry: entry)
                 }
 
                 Spacer()
 
-                Text("Category Evolution")
-                    .font(.caption.weight(.semibold))
-                    .foregroundColor(.secondary)
+                VStack(alignment: .trailing, spacing: 6) {
+                    if entry.streak >= 1 { StreakPill(streak: entry.streak) }
+                    CheckInPill(date: entry.nextCheckInDate)
+                    WidgetRefreshButton()
+                }
             }
 
+            GoalProgressRow(entry: entry)
+
             if entry.isPremium {
                 if hasCategoryTrend {
                     CombinedCategoryChartView(
@@ -615,10 +903,10 @@ struct LargeWidgetView: View {
                         goal: entry.goals.first,
                         currencyCode: entry.currencyCode
                     )
-                    .frame(height: 98)
+                    .frame(height: 84)
 
-                    VStack(alignment: .leading, spacing: 8) {
-                        ForEach(entry.categoryTotals.prefix(4), id: \.name) { category in
+                    VStack(alignment: .leading, spacing: 6) {
+                        ForEach(entry.categoryTotals.prefix(3), id: \.name) { category in
                             HStack {
                                 RoundedRectangle(cornerRadius: 3)
                                     .fill(Color(hex: category.color) ?? .gray)
@@ -667,21 +955,49 @@ struct AccessoryCircularView: View {
     let entry: InvestmentWidgetEntry
 
     var body: some View {
-        ZStack {
-            AccessoryWidgetBackground()
-
-            VStack(spacing: 2) {
-                Image(systemName: entry.dayChange >= 0 ? "arrow.up.right" : "arrow.down.right")
-                    .font(.caption)
-
-                Text(String(format: "%.1f%%", entry.dayChangePercentage))
-                    .font(.caption2.weight(.semibold))
+        Group {
+            if entry.hasData && (entry.nearestGoal != nil || entry.nextMilestone > 0) {
+                // Gauge toward nearest goal (or next milestone as fallback).
+                Gauge(value: entry.primaryGaugeProgress) {
+                    Image(systemName: entry.nearestGoal != nil ? "target" : "flag.checkered")
+                } currentValueLabel: {
+                    Text("\(Int((entry.primaryGaugeProgress * 100).rounded()))%")
+                        .font(.system(size: 13, weight: .semibold))
+                }
+                .gaugeStyle(.accessoryCircularCapacity)
+            } else {
+                // Fallback: change since last check-in.
+                ZStack {
+                    AccessoryWidgetBackground()
+                    VStack(spacing: 2) {
+                        Image(systemName: entry.dayChange >= 0 ? "arrow.up.right" : "arrow.down.right")
+                            .font(.caption)
+                        Text(String(format: "%.1f%%", entry.dayChangePercentage))
+                            .font(.caption2.weight(.semibold))
+                    }
+                }
             }
         }
         .containerBackground(.background, for: .widget)
     }
 }
 
+// MARK: - Accessory Inline View (Lock Screen)
+
+struct AccessoryInlineView: View {
+    let entry: InvestmentWidgetEntry
+
+    var body: some View {
+        // e.g. "€50K · ▲ +0.5%"
+        let arrow = entry.dayChange >= 0 ? "arrow.up" : "arrow.down"
+        Label {
+            Text("\(entry.totalValue.compactCurrencyString(currencyCode: entry.currencyCode)) · \(String(format: "%+.1f%%", entry.dayChangePercentage))")
+        } icon: {
+            Image(systemName: arrow)
+        }
+    }
+}
+
 // MARK: - Accessory Rectangular View (Lock Screen)
 
 struct AccessoryRectangularView: View {
@@ -913,6 +1229,26 @@ struct CombinedCategoryChartView: View {
     }
 }
 
+// MARK: - Interactive Refresh Button (iOS 17+)
+
+/// A small refresh control that reloads the widget timeline in-process via an
+/// AppIntent. Only rendered on iOS 17+, where `Button(intent:)` is available;
+/// on iOS 16 it collapses to nothing so the widget still builds and works with
+/// the existing deep links.
+struct WidgetRefreshButton: View {
+    var body: some View {
+        if #available(iOS 17.0, *) {
+            Button(intent: RefreshWidgetIntent()) {
+                Image(systemName: "arrow.clockwise")
+                    .font(.caption2.weight(.semibold))
+                    .foregroundColor(.secondary)
+            }
+            .buttonStyle(.plain)
+            .invalidatableContent()
+        }
+    }
+}
+
 // MARK: - Widget Configuration
 
 struct InvestmentWidget: Widget {
@@ -929,7 +1265,8 @@ struct InvestmentWidget: Widget {
             .systemMedium,
             .systemLarge,
             .accessoryCircular,
-            .accessoryRectangular
+            .accessoryRectangular,
+            .accessoryInline
         ])
     }
 }
@@ -957,6 +1294,9 @@ struct InvestmentWidgetEntryView: View {
         case .accessoryRectangular:
             AccessoryRectangularView(entry: entry)
                 .widgetURL(URL(string: "portfoliojournal://quickupdate")!)
+        case .accessoryInline:
+            AccessoryInlineView(entry: entry)
+                .widgetURL(URL(string: "portfoliojournal://quickupdate")!)
         default:
             SmallWidgetView(entry: entry)
                 .widgetURL(URL(string: "portfoliojournal://quickupdate")!)
@@ -992,7 +1332,13 @@ struct PortfolioJournalWidgetBundle: WidgetBundle {
             goals: [],
             currencyCode: "EUR",
             insightTitle: "",
-            insightValue: ""
+            insightValue: "",
+            streak: 5,
+            nextCheckInDate: Calendar.current.date(byAdding: .day, value: 8, to: Date()),
+            nearestGoal: nil,
+            nearestGoalProgress: 0,
+            milestoneProgress: 0.5,
+            nextMilestone: 100000
         )
 }
 
@@ -1017,7 +1363,13 @@ struct PortfolioJournalWidgetBundle: WidgetBundle {
             goals: [],
             currencyCode: "EUR",
             insightTitle: "Year to date",
-            insightValue: "+12.4%"
+            insightValue: "+12.4%",
+            streak: 7,
+            nextCheckInDate: Calendar.current.date(byAdding: .day, value: 2, to: Date()),
+            nearestGoal: nil,
+            nearestGoalProgress: 0,
+            milestoneProgress: 0.5,
+            nextMilestone: 100000
         )
 }
 
@@ -1066,11 +1418,17 @@ struct PortfolioJournalWidgetBundle: WidgetBundle {
                 ("Real Estate", 18000, "#F59E0B")
             ],
             goals: [
-                GoalSummary(name: "Target", targetAmount: 120000, targetDate: nil)
+                GoalSummary(name: "House deposit", targetAmount: 120000, targetDate: nil)
             ],
             currencyCode: "EUR",
             insightTitle: "Milestone ahead",
-            insightValue: "€5K from €100K"
+            insightValue: "€5K from €100K",
+            streak: 9,
+            nextCheckInDate: Calendar.current.date(byAdding: .day, value: 4, to: Date()),
+            nearestGoal: GoalSummary(name: "House deposit", targetAmount: 120000, targetDate: nil),
+            nearestGoalProgress: 0.79,
+            milestoneProgress: 0.6,
+            nextMilestone: 100000
         )
 }
 extension Decimal {

PortfolioJournalWidget/WidgetIntents.swift

@@ -0,0 +1,21 @@
+import AppIntents
+import WidgetKit
+
+// MARK: - Interactive widget intents (iOS 17+)
+//
+// These run in-process from the widget via `Button(intent:)` — no app launch.
+// The intent type compiles on iOS 16, but the interactive Button that invokes it
+// is gated to iOS 17 in the widget views, so iOS 16 still builds and works with
+// the existing `.widgetURL` deep links.
+
+/// Reloads all widget timelines so the numbers refresh without opening the app.
+struct RefreshWidgetIntent: AppIntent {
+    static let title: LocalizedStringResource = "Refresh Portfolio Widget"
+    static let description = IntentDescription("Reload the portfolio widget with the latest values.")
+    static let isDiscoverable = false
+
+    func perform() async throws -> some IntentResult {
+        WidgetCenter.shared.reloadAllTimelines()
+        return .result()
+    }
+}

Scripts/analyze_crashlytics.py

@@ -0,0 +1,106 @@
+#!/usr/bin/env python3
+"""
+Crashlytics report for Portfolio Journal via the BigQuery export.
+
+Setup (one-time, already done 2026-07-13):
+  - Firebase console → project portfoliojournal-ef2d7 → Integrations → BigQuery:
+    enable the Crashlytics export (requires Blaze plan).
+  - Grant the service account sirius@sirius-vazquez.iam BigQuery Data Viewer +
+    Job User on project portfoliojournal-ef2d7.
+
+Creds come from `pass show google/sirius-service-account`. The export table is
+created on the first crash after enabling, named like
+`firebase_crashlytics.com_alexandrevazquez_PortfolioJournal_IOS`.
+
+Usage: python3 Scripts/analyze_crashlytics.py [days]   # default 30
+"""
+import subprocess, json, sys, urllib.request, urllib.error
+
+PROJECT = "portfoliojournal-ef2d7"
+DATASET = "firebase_crashlytics"
+DAYS = int(sys.argv[1]) if len(sys.argv) > 1 else 30
+
+
+def creds_token():
+    raw = subprocess.run(["pass", "show", "google/sirius-service-account"],
+                         capture_output=True, text=True).stdout
+    try:
+        info = json.loads(raw)
+    except Exception:
+        out, ins, esc = [], False, False
+        for c in raw:
+            if esc: out.append(c); esc = False
+            elif c == "\\": out.append(c); esc = True
+            elif c == '"': ins = not ins; out.append(c)
+            elif ins and c == "\n": out.append("\\n")
+            elif ins and c == "\r": pass
+            else: out.append(c)
+        info = json.loads("".join(out))
+    from google.oauth2 import service_account
+    import google.auth.transport.requests
+    c = service_account.Credentials.from_service_account_info(
+        info, scopes=["https://www.googleapis.com/auth/cloud-platform"])
+    c.refresh(google.auth.transport.requests.Request())
+    return c.token
+
+
+def api(token, path):
+    req = urllib.request.Request(
+        f"https://bigquery.googleapis.com/bigquery/v2/projects/{PROJECT}{path}",
+        headers={"Authorization": f"Bearer {token}"})
+    return json.load(urllib.request.urlopen(req))
+
+
+def query(token, sql):
+    body = json.dumps({"query": sql, "useLegacySql": False, "timeoutMs": 60000}).encode()
+    req = urllib.request.Request(
+        f"https://bigquery.googleapis.com/bigquery/v2/projects/{PROJECT}/queries",
+        data=body, headers={"Authorization": f"Bearer {token}",
+                            "Content-Type": "application/json"})
+    d = json.load(urllib.request.urlopen(req))
+    cols = [f["name"] for f in d.get("schema", {}).get("fields", [])]
+    rows = [[c.get("v") for c in r["f"]] for r in d.get("rows", [])]
+    return cols, rows
+
+
+def main():
+    token = creds_token()
+    try:
+        td = api(token, f"/datasets/{DATASET}/tables?maxResults=100")
+    except urllib.error.HTTPError as e:
+        print(f"No access to {DATASET} (HTTP {e.code}).")
+        return
+    tables = [t["tableReference"]["tableId"] for t in td.get("tables", [])]
+    crash_tables = [t for t in tables if "IOS" in t or "ios" in t.lower()]
+    if not crash_tables:
+        print("No Crashlytics export tables yet — no crashes exported since the "
+              "export was enabled. (Good news.)")
+        return
+    table = crash_tables[0]
+    print(f"== Crashlytics {table} — últimos {DAYS}d ==\n")
+
+    sql = f"""
+    SELECT
+      issue_title, issue_subtitle,
+      application.display_version AS version,
+      COUNT(*) AS events,
+      COUNT(DISTINCT installation_uuid) AS users,
+      COUNTIF(error_type = 'FATAL') AS fatal
+    FROM `{PROJECT}.{DATASET}.{table}`
+    WHERE event_timestamp >= TIMESTAMP_SUB(CURRENT_TIMESTAMP(), INTERVAL {DAYS} DAY)
+    GROUP BY issue_title, issue_subtitle, version
+    ORDER BY events DESC
+    LIMIT 25
+    """
+    cols, rows = query(token, sql)
+    if not rows:
+        print("Sin crashes en el periodo.")
+        return
+    for r in rows:
+        title, sub, ver, events, users, fatal = r
+        print(f"[{ver}] {title} — {sub}")
+        print(f"    {events} eventos · {users} usuarios · {fatal} fatales\n")
+
+
+if __name__ == "__main__":
+    main()

Scripts/archive_and_upload_appstore.sh

@@ -27,6 +27,13 @@ ISSUER_ID="$(_pass_or_env "${APPSTORE_ISSUER_ID:-}" appstore/issuer-id)"
 TEAM_ID="$(_pass_or_env "${DEVELOPMENT_TEAM_ID:-}" appstore/team-id)"
 P8_PATH="${APPSTORE_P8_PATH:-}"
 P8_DIR=""
+# Fichero .p8 temporal a limpiar al salir. OJO zsh: un `trap ... EXIT` puesto DENTRO
+# de una función se dispara al RETORNAR la función (no al salir el script, como bash),
+# lo que borraba la clave antes del archive. Por eso la limpieza va en TRAPEXIT global.
+P8_TEMP=""
+TRAPEXIT() {
+  [[ -n "$P8_TEMP" ]] && rm -f "$P8_TEMP"
+}
 
 fail() {
   echo "Error: $*" >&2
@@ -47,12 +54,15 @@ find_p8_file() {
 
   # 2. Extraer de pass y escribir en fichero temporal (limpieza al salir del script)
   if command -v pass >/dev/null 2>&1 && pass show appstore/api-key-p8 &>/dev/null; then
-    local tmp_p8
-    tmp_p8="$(mktemp /tmp/AuthKey_XXXXXX.p8)"
+    # OJO: macOS `mktemp` solo sustituye las X si están al FINAL del patrón; con
+    # `AuthKey_XXXXXX.p8` deja el nombre literal y xcodebuild no encuentra el fichero.
+    # Además `altool` exige que la key se llame AuthKey_<KEY_ID>.p8 dentro de
+    # API_PRIVATE_KEYS_DIR, así que usamos ese nombre fijo directamente.
+    local tmp_p8="/tmp/AuthKey_${KEY_ID}.p8"
     pass show appstore/api-key-p8 > "$tmp_p8"
     chmod 600 "$tmp_p8"
-    # Registrar para limpieza al salir del script (trap en el shell principal).
-    trap "rm -f '$tmp_p8'" EXIT
+    # Limpieza al salir del script vía TRAPEXIT global (ver arriba por qué no un trap local).
+    P8_TEMP="$tmp_p8"
     P8_PATH="$tmp_p8"
     return
   fi
@@ -91,8 +101,22 @@ create_export_options() {
   <false/>
   <key>method</key>
   <string>app-store-connect</string>
+  <!-- Firma MANUAL obligatoria: el cloud signing con API key falla al exportar la
+       extensión QuickUpdate ("No profiles ... were found"). Los 3 targets se firman
+       con "Apple Distribution" + sus perfiles App Store instalados localmente. -->
   <key>signingStyle</key>
-  <string>automatic</string>
+  <string>manual</string>
+  <key>signingCertificate</key>
+  <string>Apple Distribution</string>
+  <key>provisioningProfiles</key>
+  <dict>
+    <key>com.alexandrevazquez.PortfolioJournal</key>
+    <string>porfoliojournal</string>
+    <key>com.alexandrevazquez.PortfolioJournal.PortfolioJournalWidget</key>
+    <string>Portfolio Journalwidget</string>
+    <key>com.alexandrevazquez.PortfolioJournal.QuickUpdate</key>
+    <string>PortfolioJournal QuickUpdate AppStore</string>
+  </dict>
   <key>stripSwiftSymbols</key>
   <true/>
   <key>teamID</key>

Scripts/aso/frame_panorama.py

@@ -92,7 +92,8 @@ def with_shadow(rgba: Image.Image, blur: int, alpha: float, off=(0, 40)) -> Imag
     canvas = Image.new("RGBA", (rgba.width + pad * 2, rgba.height + pad * 2), (0, 0, 0, 0))
     sh = Image.new("RGBA", rgba.size, (0, 0, 0, 0))
     sh.putalpha(rgba.split()[3].point(lambda p: int(p * alpha)))
-    dark = Image.new("RGBA", rgba.size, (10, 20, 40, 255))
+    # cool light glow (not a dark drop-shadow) so the device lifts off the dark bg
+    dark = Image.new("RGBA", rgba.size, (78, 110, 180, 255))
     dark.putalpha(sh.split()[3])
     canvas.alpha_composite(dark, (pad + off[0], pad + off[1]))
     canvas = canvas.filter(ImageFilter.GaussianBlur(blur))
@@ -107,9 +108,9 @@ def _blob(W, H, cx, cy, r, a):
 
 
 def make_bg(W, H, accent, accent2, n=1):
-    """Light, premium background: near-white vertical wash + large soft brand-color
-    blobs (blue + green) for depth. `n` = number of panels (for even blob spread)."""
-    top, bottom = (251, 252, 254), (238, 242, 248)
+    """Dark premium background: near-black vertical wash (slate-900 -> near black)
+    + large soft brand-color glow blobs for subtle depth. `n` = number of panels."""
+    top, bottom = (15, 23, 42), (2, 6, 23)  # #0F172A -> #020617
     # fast vertical gradient: build a 1px-wide column then stretch to full width
     col = Image.new("RGB", (1, H))
     cp = col.load()
@@ -120,11 +121,12 @@ def make_bg(W, H, accent, accent2, n=1):
     for i in range(n):
         col = accent if i % 2 == 0 else accent2
         cx = pw * (i + 0.5)
+        # low-alpha glows so the dark stays premium, not garish
         base = Image.composite(Image.new("RGBA", (W, H), col + (255,)), base,
-                               _blob(W, H, cx, H * 0.20, pw * 0.42, 60).point(lambda p: int(p * 0.55)))
+                               _blob(W, H, cx, H * 0.16, pw * 0.5, 60).point(lambda p: int(p * 0.26)))
         col2 = accent2 if i % 2 == 0 else accent
         base = Image.composite(Image.new("RGBA", (W, H), col2 + (255,)), base,
-                               _blob(W, H, cx, H * 0.86, pw * 0.5, 45).point(lambda p: int(p * 0.5)))
+                               _blob(W, H, cx, H * 0.90, pw * 0.55, 45).point(lambda p: int(p * 0.22)))
     return base
 
 
@@ -146,16 +148,23 @@ def draw_headline(canvas, text, cx, top_y, panel_w, color, max_lines=2):
     `max_lines` lines within the panel margins (never clips). Returns the y
     coordinate just below the headline block."""
     d = ImageDraw.Draw(canvas)
-    maxw = int(panel_w * 0.82)
-    size = int(panel_w * 0.074)
+    # keep the block well inside the panel so nothing spills into the neighbour
+    maxw = int(panel_w * 0.78)
+    size = int(panel_w * 0.078)
     fnt = font(size, text)
     lines = wrap(d, text, fnt, maxw)
-    while size > int(panel_w * 0.042):
+    floor = int(panel_w * 0.034)
+    while size > floor:
         fnt = font(size, text)
         lines = wrap(d, text, fnt, maxw)
         if len(lines) <= max_lines and max(d.textlength(ln, font=fnt) for ln in lines) <= maxw:
             break
         size -= 3
+    # hard safety: shrink until every line truly fits, even below the floor
+    while size > 14 and max(d.textlength(ln, font=fnt) for ln in lines) > maxw:
+        size -= 2
+        fnt = font(size, text)
+        lines = wrap(d, text, fnt, maxw)
     asc, desc = fnt.getmetrics()
     lh = int((asc + desc) * 1.06)
     for i, ln in enumerate(lines):
@@ -189,8 +198,8 @@ def main():
     accent, accent2 = hexrgb(a.accent), hexrgb(a.accent2)
     canvas = make_bg(W * n, H, accent, accent2, n=n)
 
-    text_color = (13, 22, 38)
-    sub_color = (90, 102, 120)
+    text_color = (248, 250, 252)  # near-white on dark
+    sub_color = (148, 163, 184)   # slate-400
     dev_w = int(W * a.device_scale)
     angles = [-6, 5, -5, 6, -5, 5]
     y_off = [0.0, 0.05, 0.0, 0.05, 0.0, 0.05]
@@ -205,13 +214,15 @@ def main():
             lines = wrap(d, sub, sf, int(W * 0.78))
             asc, desc = sf.getmetrics(); lh = int((asc + desc) * 1.05)
             sy = hy + int(H * 0.012)
+            # positive/stat sublines (▲ ↑ +) pop in green; the rest stay muted
+            sub_fill = accent2 if sub.strip()[:1] in "▲↑+" else sub_color
             for j, ln in enumerate(lines):
                 w = d.textlength(ln, font=sf)
-                d.text((panel_cx - w / 2, sy + j * lh), ln, font=sf, fill=sub_color)
+                d.text((panel_cx - w / 2, sy + j * lh), ln, font=sf, fill=sub_fill)
 
         shot = Image.open(path).convert("RGB")
         dev = build_device(shot, dev_w)
-        dev = with_shadow(dev, blur=int(W * 0.04), alpha=0.34, off=(0, 46))
+        dev = with_shadow(dev, blur=int(W * 0.05), alpha=0.30, off=(0, 18))
         ang = angles[i % len(angles)]
         dev = dev.rotate(ang, expand=True, resample=Image.BICUBIC)
         # nudge horizontally so adjacent devices overlap across the panel border

Scripts/aso/frame_panorama_codex.py

@@ -0,0 +1,522 @@
+#!/usr/bin/env python3
+"""Render the high-impact Portfolio Journal App Store panorama.
+
+The output is one continuous 5 x 1320 scene sliced into App Store panels.
+Run with Scripts/aso/.venv/bin/python.
+"""
+from __future__ import annotations
+
+import math
+from pathlib import Path
+
+from PIL import Image, ImageDraw, ImageFilter, ImageFont
+
+
+ROOT = Path(__file__).resolve().parents[2]
+RAW = ROOT / "build/screenshots/src_raw"
+
+PANEL_W = 1320
+HEIGHT = 2868
+PANELS = 5
+WIDTH = PANEL_W * PANELS
+
+INK = (244, 248, 255)
+MUTED = (155, 169, 191)
+GREEN = (16, 185, 129)
+BLUE = (48, 132, 255)
+NAVY = (3, 9, 22)
+
+DISPLAY_FONT = "/System/Library/Fonts/Supplemental/Impact.ttf"
+TEXT_FONT = "/System/Library/Fonts/Avenir Next.ttc"
+CONDENSED_FONT = "/System/Library/Fonts/Avenir Next Condensed.ttc"
+JAPANESE_FONT_CANDIDATES = (
+    "/System/Library/Fonts/ヒラギノ角ゴシック W8.ttc",
+    "/System/Library/Fonts/ヒラギノ角ゴシック W9.ttc",
+    "/System/Library/Fonts/Hiragino Sans GB.ttc",
+)
+
+LOCALIZED_SPECS = {
+    "es-ES": [
+        {
+            "eyebrow": "TU PATRIMONIO",
+            "headline": ("CONOCE TU", "PATRIMONIO."),
+            "body": "Todo lo que tienes, de un vistazo.",
+        },
+        {
+            "eyebrow": "CRECIMIENTO REAL",
+            "headline": ("MÍRALO", "AUMENTAR."),
+            "stat": "+22.7%",
+            "body": "Desde el inicio. Y sigue subiendo.",
+        },
+        {
+            "eyebrow": "TODA TU CARTERA",
+            "headline": ("TODO LO", "QUE TIENES."),
+            "body": "Acciones, inmuebles, cripto y efectivo.",
+        },
+        {
+            "eyebrow": "DECIDE CON DATOS",
+            "headline": ("DESCUBRE TUS", "GANADORES."),
+            "body": "Rentabilidad real. Sin suposiciones.",
+        },
+        {
+            "eyebrow": "PRIVADO DE SERIE",
+            "headline": ("SIN CLAVES", "BANCARIAS."),
+            "body": "Tus datos nunca salen de tu iPhone.",
+        },
+    ],
+    "de": [
+        {
+            "eyebrow": "DEIN VERMÖGEN",
+            "headline": ("KENN DEIN", "VERMÖGEN."),
+            "body": "Alles, was dir gehört — auf einen Blick.",
+        },
+        {
+            "eyebrow": "ECHTES VERMÖGEN. ECHTER SCHWUNG.",
+            "headline": ("SIEH ES", "WACHSEN."),
+            "stat": "+22.7%",
+            "body": "Seit Beginn — und weiter aufwärts.",
+        },
+        {
+            "eyebrow": "DAS GANZE PORTFOLIO",
+            "headline": ("ALLES, WAS", "DIR GEHÖRT."),
+            "body": "Aktien · Immobilien · Krypto · Cash",
+        },
+        {
+            "eyebrow": "KLARHEIT SCHAFFT ÜBERZEUGUNG",
+            "headline": ("FINDE DEINE", "GEWINNER."),
+            "body": "Echter CAGR. Kein Rätselraten.",
+        },
+        {
+            "eyebrow": "PRIVAT. VON GRUND AUF.",
+            "headline": ("KEINE BANK-", "LOGINS. NIE."),
+            "body": "Deine Zahlen bleiben auf deinem iPhone.",
+        },
+    ],
+    "fr": [
+        {
+            "eyebrow": "VOTRE PATRIMOINE",
+            "headline": ("CONNAIS TON", "PATRIMOINE."),
+            "body": "Tout ce que tu possèdes, d’un coup d’œil.",
+        },
+        {
+            "eyebrow": "VRAIE RICHESSE. VRAI ÉLAN.",
+            "headline": ("REGARDE-LE", "FRUCTIFIER."),
+            "stat": "+22.7%",
+            "body": "Depuis le début — et ça continue.",
+        },
+        {
+            "eyebrow": "TOUT LE PORTEFEUILLE",
+            "headline": ("TOUT CE QUE", "TU POSSÈDES."),
+            "body": "Actions · immobilier · crypto · liquidités",
+        },
+        {
+            "eyebrow": "LA CLARTÉ CRÉE LA CONVICTION",
+            "headline": ("REPÈRE TES", "GAGNANTS."),
+            "body": "CAGR réel. Zéro approximation.",
+        },
+        {
+            "eyebrow": "CONFIDENTIEL PAR CONCEPTION",
+            "headline": ("AUCUN ACCÈS", "BANCAIRE. JAMAIS."),
+            "body": "Tes chiffres ne quittent jamais ton iPhone.",
+        },
+    ],
+    "it": [
+        {
+            "eyebrow": "IL TUO PATRIMONIO",
+            "headline": ("CONOSCI IL TUO", "PATRIMONIO."),
+            "body": "Tutto ciò che hai, in un colpo d’occhio.",
+        },
+        {
+            "eyebrow": "PATRIMONIO REALE. SLANCIO REALE.",
+            "headline": ("GUARDALO", "CRESCERE."),
+            "stat": "+22.7%",
+            "body": "Dall’inizio — e continua a salire.",
+        },
+        {
+            "eyebrow": "TUTTO IL PORTAFOGLIO",
+            "headline": ("TUTTO CIÒ", "CHE POSSIEDI."),
+            "body": "Azioni · immobili · crypto · liquidità",
+        },
+        {
+            "eyebrow": "LA CHIAREZZA CREA CONVINZIONE",
+            "headline": ("SCOPRI I TUOI", "VINCENTI."),
+            "body": "CAGR reale. Zero ipotesi.",
+        },
+        {
+            "eyebrow": "PRIVATO PER NATURA",
+            "headline": ("NESSUN LOGIN", "BANCARIO. MAI."),
+            "body": "I tuoi numeri restano sul tuo iPhone.",
+        },
+    ],
+    "ja": [
+        {
+            "eyebrow": "資産管理",
+            "headline": ("純資産を", "ひと目で。"),
+            "body": "持っている資産のすべてを。",
+        },
+        {
+            "eyebrow": "着実な成長",
+            "headline": ("資産が", "増えていく。"),
+            "stat": "+22.7%",
+            "body": "運用開始から、今も上昇中。",
+        },
+        {
+            "eyebrow": "ポートフォリオのすべて",
+            "headline": ("所有資産を", "すべて。"),
+            "body": "株式・不動産・暗号資産・現金",
+        },
+        {
+            "eyebrow": "明確さが確信を生む",
+            "headline": ("勝ち筋を", "見極める。"),
+            "body": "本当のCAGR。勘に頼らない。",
+        },
+        {
+            "eyebrow": "プライバシーを最優先",
+            "headline": ("銀行ログインは", "一切不要。"),
+            "body": "あなたの数字はiPhoneの外に出ません。",
+        },
+    ],
+    "pt-BR": [
+        {
+            "eyebrow": "SEU PATRIMÔNIO",
+            "headline": ("CONHEÇA SEU", "PATRIMÔNIO."),
+            "body": "Tudo o que é seu, num relance.",
+        },
+        {
+            "eyebrow": "PATRIMÔNIO REAL. IMPULSO REAL.",
+            "headline": ("VEJA-O", "CRESCER."),
+            "stat": "+22.7%",
+            "body": "Desde o início — e ainda subindo.",
+        },
+        {
+            "eyebrow": "A CARTEIRA COMPLETA",
+            "headline": ("TUDO QUE", "É SEU."),
+            "body": "Ações · imóveis · cripto · dinheiro",
+        },
+        {
+            "eyebrow": "CLAREZA GERA CONVICÇÃO",
+            "headline": ("ACHE SEUS", "VENCEDORES."),
+            "body": "CAGR real. Zero achismo.",
+        },
+        {
+            "eyebrow": "PRIVADO POR NATUREZA",
+            "headline": ("SEM LOGIN", "BANCÁRIO. NUNCA."),
+            "body": "Seus números nunca saem do seu iPhone.",
+        },
+    ],
+}
+
+
+def font(path: str, size: int, index: int = 0) -> ImageFont.FreeTypeFont:
+    return ImageFont.truetype(path, size=size, index=index)
+
+
+def contains_cjk(text: str) -> bool:
+    return any(
+        "\u3040" <= char <= "\u30ff" or "\u3400" <= char <= "\u9fff"
+        for char in text
+    )
+
+
+def japanese_font_path() -> str:
+    for path in JAPANESE_FONT_CANDIDATES:
+        try:
+            font(path, 20)
+            return path
+        except OSError:
+            continue
+    raise RuntimeError("No supported heavy Japanese font could be loaded")
+
+
+def face_for(text: str, latin_path: str, size: int, index: int = 0) -> ImageFont.FreeTypeFont:
+    if contains_cjk(text):
+        return font(japanese_font_path(), size)
+    return font(latin_path, size, index)
+
+
+def gradient_background() -> Image.Image:
+    """Near-black navy base with a continuous blue/green atmospheric wash."""
+    column = Image.new("RGB", (1, HEIGHT))
+    px = column.load()
+    for y in range(HEIGHT):
+        t = y / (HEIGHT - 1)
+        px[0, y] = (
+            int(10 - 7 * t),
+            int(21 - 12 * t),
+            int(42 - 20 * t),
+        )
+    bg = column.resize((WIDTH, HEIGHT)).convert("RGBA")
+
+    glows = [
+        (460, 610, 920, BLUE, 58),
+        (1670, 1150, 870, GREEN, 42),
+        (2890, 520, 760, BLUE, 40),
+        (4130, 1240, 950, GREEN, 36),
+        (5720, 600, 940, BLUE, 44),
+        (6280, 2350, 980, GREEN, 28),
+    ]
+    for cx, cy, radius, color, alpha in glows:
+        mask = Image.new("L", (WIDTH, HEIGHT), 0)
+        md = ImageDraw.Draw(mask)
+        md.ellipse((cx - radius, cy - radius, cx + radius, cy + radius), fill=alpha)
+        mask = mask.filter(ImageFilter.GaussianBlur(radius // 2))
+        wash = Image.new("RGBA", bg.size, color + (255,))
+        bg = Image.composite(wash, bg, mask)
+
+    # Subtle technical grid keeps the background dimensional without looking busy.
+    grid = Image.new("RGBA", bg.size, (0, 0, 0, 0))
+    gd = ImageDraw.Draw(grid)
+    for x in range(0, WIDTH, 132):
+        gd.line((x, 0, x, HEIGHT), fill=(93, 132, 181, 11), width=1)
+    for y in range(0, HEIGHT, 132):
+        gd.line((0, y, WIDTH, y), fill=(93, 132, 181, 9), width=1)
+    bg.alpha_composite(grid)
+    return bg
+
+
+def rounded_mask(size: tuple[int, int], radius: int) -> Image.Image:
+    mask = Image.new("L", size, 0)
+    ImageDraw.Draw(mask).rounded_rectangle(
+        (0, 0, size[0] - 1, size[1] - 1), radius=radius, fill=255
+    )
+    return mask
+
+
+def build_iphone(shot: Image.Image, target_w: int) -> Image.Image:
+    """Realistic titanium iPhone frame with bezel, screen and Dynamic Island."""
+    outer = max(18, int(target_w * 0.032))
+    inner = max(6, int(target_w * 0.009))
+    screen_w = target_w - 2 * (outer + inner)
+    screen_h = round(screen_w * shot.height / shot.width)
+    total_h = screen_h + 2 * (outer + inner)
+    corner = int(target_w * 0.126)
+
+    phone = Image.new("RGBA", (target_w, total_h), (0, 0, 0, 0))
+    d = ImageDraw.Draw(phone)
+    d.rounded_rectangle(
+        (0, 0, target_w - 1, total_h - 1),
+        radius=corner + outer,
+        fill=(26, 29, 35, 255),
+        outline=(147, 154, 166, 255),
+        width=max(4, target_w // 180),
+    )
+    d.rounded_rectangle(
+        (outer, outer, target_w - outer - 1, total_h - outer - 1),
+        radius=corner,
+        fill=(2, 3, 5, 255),
+        outline=(79, 84, 94, 255),
+        width=max(3, target_w // 240),
+    )
+
+    screen = shot.convert("RGB").resize((screen_w, screen_h), Image.Resampling.LANCZOS)
+    screen_radius = int(screen_w * 0.105)
+    inset = outer + inner
+    phone.paste(screen, (inset, inset), rounded_mask(screen.size, screen_radius))
+
+    # The source shots already contain a Dynamic Island when captured on-device.
+    # Repainting it ensures the one older settings capture matches the same hardware.
+    island_w = int(screen_w * 0.315)
+    island_h = int(screen_w * 0.084)
+    island_x = inset + (screen_w - island_w) // 2
+    island_y = inset + int(screen_w * 0.022)
+    d.rounded_rectangle(
+        (island_x, island_y, island_x + island_w, island_y + island_h),
+        radius=island_h // 2,
+        fill=(0, 0, 0, 255),
+    )
+
+    # Hardware controls sell the silhouette as a physical iPhone.
+    button = (70, 74, 82, 255)
+    d.rounded_rectangle((-4, total_h * 0.22, 7, total_h * 0.31), radius=5, fill=button)
+    d.rounded_rectangle((-4, total_h * 0.34, 7, total_h * 0.43), radius=5, fill=button)
+    d.rounded_rectangle(
+        (target_w - 7, total_h * 0.29, target_w + 4, total_h * 0.43),
+        radius=5,
+        fill=button,
+    )
+    return phone
+
+
+def elevated(phone: Image.Image, angle: float, glow: tuple[int, int, int]) -> Image.Image:
+    rotated = phone.rotate(
+        angle, expand=True, resample=Image.Resampling.BICUBIC
+    )
+    pad = 160
+    stage = Image.new(
+        "RGBA", (rotated.width + pad * 2, rotated.height + pad * 2), (0, 0, 0, 0)
+    )
+    alpha = rotated.getchannel("A")
+
+    shadow = Image.new("RGBA", rotated.size, (0, 0, 0, 0))
+    shadow.putalpha(alpha.point(lambda a: int(a * 0.68)))
+    black = Image.new("RGBA", rotated.size, (0, 0, 0, 255))
+    black.putalpha(shadow.getchannel("A"))
+    stage.alpha_composite(black, (pad + 18, pad + 74))
+    stage = stage.filter(ImageFilter.GaussianBlur(70))
+
+    halo = Image.new("RGBA", rotated.size, glow + (255,))
+    halo.putalpha(alpha.point(lambda a: int(a * 0.24)))
+    stage.alpha_composite(halo, (pad - 8, pad + 16))
+    stage.alpha_composite(rotated, (pad, pad))
+    return stage
+
+
+def text_width(draw: ImageDraw.ImageDraw, text: str, face: ImageFont.FreeTypeFont) -> float:
+    return draw.textlength(text, font=face)
+
+
+def draw_tracking_text(
+    draw: ImageDraw.ImageDraw,
+    xy: tuple[int, int],
+    text: str,
+    face: ImageFont.FreeTypeFont,
+    fill: tuple[int, int, int],
+    tracking: int,
+) -> None:
+    x, y = xy
+    for char in text:
+        draw.text((x, y), char, font=face, fill=fill)
+        x += text_width(draw, char, face) + tracking
+
+
+def fit_display(draw: ImageDraw.ImageDraw, lines: tuple[str, ...], max_width: int) -> ImageFont.FreeTypeFont:
+    size = 206
+    display_path = japanese_font_path() if any(contains_cjk(line) for line in lines) else DISPLAY_FONT
+    while size > 110:
+        face = font(display_path, size)
+        if max(text_width(draw, line, face) for line in lines) <= max_width:
+            return face
+        size -= 4
+    return font(display_path, size)
+
+
+def fit_body(draw: ImageDraw.ImageDraw, text: str, max_width: int) -> ImageFont.FreeTypeFont:
+    size = 39
+    while size > 29:
+        face = face_for(text, TEXT_FONT, size)
+        if text_width(draw, text, face) <= max_width:
+            return face
+        size -= 1
+    return face_for(text, TEXT_FONT, size)
+
+
+def draw_campaign_copy(canvas: Image.Image, panel: int, spec: dict) -> None:
+    d = ImageDraw.Draw(canvas)
+    left = panel * PANEL_W + 92
+    right = (panel + 1) * PANEL_W - 92
+    top = 78
+
+    eyebrow = face_for(spec["eyebrow"], CONDENSED_FONT, 33, 0)
+    draw_tracking_text(d, (left, top), spec["eyebrow"], eyebrow, GREEN, 5)
+
+    index = font(CONDENSED_FONT, 31, 0)
+    index_text = f"0{panel + 1} / 05"
+    d.text(
+        (right - text_width(d, index_text, index), top),
+        index_text,
+        font=index,
+        fill=(100, 118, 145),
+    )
+    d.rounded_rectangle((left, 139, right, 147), radius=4, fill=(38, 57, 82))
+    d.rounded_rectangle((left, 139, left + 120, 147), radius=4, fill=GREEN)
+
+    lines = tuple(spec["headline"])
+    display = fit_display(d, lines, PANEL_W - 184)
+    line_h = int(display.size * (1.02 if any(contains_cjk(line) for line in lines) else 0.88))
+    y = 190
+    for line in lines:
+        # A restrained blue offset gives the letterforms extra physical punch.
+        d.text((left + 6, y + 9), line, font=display, fill=(23, 68, 127))
+        d.text((left, y), line, font=display, fill=INK)
+        y += line_h
+    y += 34
+
+    if spec.get("stat"):
+        stat = font(DISPLAY_FONT, 110)
+        d.text((left, y + 8), spec["stat"], font=stat, fill=GREEN)
+        y += 139
+
+    body = fit_body(d, spec["body"], PANEL_W - 184)
+    d.text((left, y + 18), spec["body"], font=body, fill=MUTED)
+
+
+def draw_growth_thread(canvas: Image.Image) -> None:
+    """Continuous electric growth curve tying all five gallery panels together."""
+    overlay = Image.new("RGBA", canvas.size, (0, 0, 0, 0))
+    points = [
+        (0, 1370),
+        (600, 1330),
+        (1210, 1380),
+        (1770, 1160),
+        (2380, 1215),
+        (2970, 1030),
+        (3590, 1080),
+        (4210, 890),
+        (4820, 960),
+        (5420, 750),
+        (6040, 820),
+        (6600, 650),
+    ]
+    glow = Image.new("RGBA", canvas.size, (0, 0, 0, 0))
+    gd = ImageDraw.Draw(glow)
+    gd.line(points, fill=BLUE + (80,), width=38, joint="curve")
+    glow = glow.filter(ImageFilter.GaussianBlur(30))
+    overlay.alpha_composite(glow)
+    od = ImageDraw.Draw(overlay)
+    od.line(points, fill=BLUE + (135,), width=5, joint="curve")
+    for x, y in points[1:-1]:
+        od.ellipse((x - 9, y - 9, x + 9, y + 9), fill=GREEN + (190,))
+    canvas.alpha_composite(overlay)
+
+
+def render(specs: list[dict], output_dir: Path) -> list[Path]:
+    output_dir.mkdir(parents=True, exist_ok=True)
+    canvas = gradient_background()
+    draw_growth_thread(canvas)
+
+    for i, spec in enumerate(specs):
+        draw_campaign_copy(canvas, i, spec)
+
+    # One FULL iPhone per panel — sized + centered so nothing is clipped at the
+    # panel borders even after the tilt + halo padding. Panel centers are at
+    # 660, 1980, 3300, 4620, 5940 (PANEL_W = 1320). Widths kept small enough that
+    # rotated_width + halo stays inside the panel; top_y leaves the device fully
+    # visible (only a small, tasteful bottom bleed).
+    placements = [
+        # source, width, angle, center x, top y, halo color
+        ("01_home.png", 860, -4.5, 660, 900, BLUE),
+        ("02_evolution.png", 860, 4.5, 1980, 960, GREEN),
+        ("03_allocation.png", 860, -3.6, 3300, 910, BLUE),
+        ("04_performance.png", 860, 4.0, 4620, 950, GREEN),
+        ("05_settings.png", 860, -4.0, 5940, 895, BLUE),
+    ]
+    for source, width, angle, center_x, top_y, halo in placements:
+        shot = Image.open(RAW / source)
+        phone = elevated(build_iphone(shot, width), angle, halo)
+        canvas.alpha_composite(phone, (center_x - phone.width // 2, top_y))
+
+    rgb = canvas.convert("RGB")
+    outputs: list[Path] = []
+    for i in range(PANELS):
+        path = output_dir / f"portfolio_journal_{i + 1:02d}.png"
+        panel = rgb.crop((i * PANEL_W, 0, (i + 1) * PANEL_W, HEIGHT))
+        panel.save(path, "PNG", optimize=True)
+        outputs.append(path)
+
+    preview = output_dir / "_preview.png"
+    preview_w = 1980
+    preview_h = round(HEIGHT * preview_w / WIDTH)
+    rgb.resize((preview_w, preview_h), Image.Resampling.LANCZOS).save(
+        preview, "PNG", optimize=True
+    )
+    outputs.append(preview)
+    return outputs
+
+
+if __name__ == "__main__":
+    for locale, localized_specs in LOCALIZED_SPECS.items():
+        output_dir = ROOT / "build/screenshots" / f"pano_codex_{locale}"
+        rendered = render(localized_specs, output_dir)
+        for output in rendered:
+            with Image.open(output) as image:
+                print(f"{output}  {image.width}x{image.height}")

Scripts/aso/frame_panorama_codex_ipad.py

@@ -0,0 +1,431 @@
+#!/usr/bin/env python3
+"""Render the approved Portfolio Journal panorama for 12.9-inch iPad.
+
+Each App Store panel is exactly 2732 x 2048 (APP_IPAD_PRO_3GEN_129).
+Run with Scripts/aso/.venv/bin/python.
+"""
+from __future__ import annotations
+
+import math
+from pathlib import Path
+
+from PIL import Image, ImageDraw, ImageFilter, ImageFont
+
+import frame_panorama_codex as iphone_panorama
+
+
+ROOT = Path(__file__).resolve().parents[2]
+RAW = ROOT / "build/screenshots/src_raw_ipad"
+
+PANEL_W = 2732
+HEIGHT = 2048
+PANELS = 5
+WIDTH = PANEL_W * PANELS
+
+INK = iphone_panorama.INK
+MUTED = iphone_panorama.MUTED
+GREEN = iphone_panorama.GREEN
+BLUE = iphone_panorama.BLUE
+NAVY = iphone_panorama.NAVY
+
+DISPLAY_FONT = iphone_panorama.DISPLAY_FONT
+TEXT_FONT = iphone_panorama.TEXT_FONT
+CONDENSED_FONT = iphone_panorama.CONDENSED_FONT
+LOCALIZED_SPECS = iphone_panorama.LOCALIZED_SPECS
+
+# The final iPhone module currently exposes the localized specs but not its
+# English list as a named constant. These are the matching source strings from
+# which that localization set was written. If the shared renderer later exports
+# its English specs, this script automatically uses them instead.
+_ENGLISH_FALLBACK = [
+    {
+        "eyebrow": "YOUR NET WORTH",
+        "headline": ("KNOW YOUR", "NET WORTH."),
+        "body": "Everything you own, at a glance.",
+    },
+    {
+        "eyebrow": "REAL WEALTH. REAL MOMENTUM.",
+        "headline": ("WATCH IT", "GROW."),
+        "stat": "+22.7%",
+        "body": "Since day one — and still climbing.",
+    },
+    {
+        "eyebrow": "THE WHOLE PORTFOLIO",
+        "headline": ("EVERYTHING", "YOU OWN."),
+        "body": "Stocks · property · crypto · cash",
+    },
+    {
+        "eyebrow": "CLARITY BUILDS CONVICTION",
+        "headline": ("FIND YOUR", "WINNERS."),
+        "body": "Real CAGR. Zero guesswork.",
+    },
+    {
+        "eyebrow": "PRIVATE BY DESIGN",
+        "headline": ("NO BANK", "LOGINS. EVER."),
+        "body": "Your numbers never leave your iPhone.",
+    },
+]
+DEFAULT_ENGLISH_SPECS = getattr(
+    iphone_panorama,
+    "DEFAULT_ENGLISH_SPECS",
+    getattr(iphone_panorama, "ENGLISH_SPECS", _ENGLISH_FALLBACK),
+)
+
+
+def font(path: str, size: int, index: int = 0) -> ImageFont.FreeTypeFont:
+    return ImageFont.truetype(path, size=size, index=index)
+
+
+def contains_cjk(text: str) -> bool:
+    return iphone_panorama.contains_cjk(text)
+
+
+def japanese_font_path() -> str:
+    return iphone_panorama.japanese_font_path()
+
+
+def face_for(
+    text: str, latin_path: str, size: int, index: int = 0
+) -> ImageFont.FreeTypeFont:
+    if contains_cjk(text):
+        return font(japanese_font_path(), size)
+    return font(latin_path, size, index)
+
+
+def rounded_mask(size: tuple[int, int], radius: int) -> Image.Image:
+    mask = Image.new("L", size, 0)
+    ImageDraw.Draw(mask).rounded_rectangle(
+        (0, 0, size[0] - 1, size[1] - 1), radius=radius, fill=255
+    )
+    return mask
+
+
+def gradient_background() -> Image.Image:
+    """Near-black navy canvas with continuous atmospheric blue/green light."""
+    column = Image.new("RGB", (1, HEIGHT))
+    pixels = column.load()
+    for y in range(HEIGHT):
+        t = y / (HEIGHT - 1)
+        pixels[0, y] = (
+            round(10 - 7 * t),
+            round(21 - 12 * t),
+            round(42 - 20 * t),
+        )
+    background = column.resize((WIDTH, HEIGHT)).convert("RGBA")
+
+    glow_layer = Image.new("RGBA", background.size, (0, 0, 0, 0))
+    glow_draw = ImageDraw.Draw(glow_layer)
+    glows = [
+        (680, 570, 940, BLUE, 56),
+        (2950, 1390, 930, GREEN, 38),
+        (5350, 510, 880, BLUE, 42),
+        (7770, 1350, 980, GREEN, 34),
+        (10350, 500, 920, BLUE, 43),
+        (12900, 1370, 980, GREEN, 32),
+    ]
+    for cx, cy, radius, color, alpha in glows:
+        glow_draw.ellipse(
+            (cx - radius, cy - radius, cx + radius, cy + radius),
+            fill=color + (alpha,),
+        )
+    glow_layer = glow_layer.filter(ImageFilter.GaussianBlur(330))
+    background.alpha_composite(glow_layer)
+
+    grid = Image.new("RGBA", background.size, (0, 0, 0, 0))
+    grid_draw = ImageDraw.Draw(grid)
+    for x in range(0, WIDTH, 160):
+        grid_draw.line((x, 0, x, HEIGHT), fill=(93, 132, 181, 11), width=1)
+    for y in range(0, HEIGHT, 160):
+        grid_draw.line((0, y, WIDTH, y), fill=(93, 132, 181, 9), width=1)
+    background.alpha_composite(grid)
+    return background
+
+
+def draw_growth_thread(canvas: Image.Image) -> None:
+    """Run one electric rising line continuously through all five panels."""
+    points: list[tuple[int, int]] = []
+    anchors = [
+        1460,
+        1420,
+        1470,
+        1310,
+        1360,
+        1180,
+        1240,
+        1030,
+        1090,
+        880,
+        940,
+        750,
+        820,
+        650,
+        710,
+        560,
+    ]
+    for i, y in enumerate(anchors):
+        points.append((round(i * WIDTH / (len(anchors) - 1)), y))
+
+    glow = Image.new("RGBA", canvas.size, (0, 0, 0, 0))
+    gd = ImageDraw.Draw(glow)
+    gd.line(points, fill=BLUE + (78,), width=42, joint="curve")
+    glow = glow.filter(ImageFilter.GaussianBlur(34))
+    canvas.alpha_composite(glow)
+
+    line = Image.new("RGBA", canvas.size, (0, 0, 0, 0))
+    ld = ImageDraw.Draw(line)
+    ld.line(points, fill=BLUE + (138,), width=6, joint="curve")
+    for x, y in points[1:-1]:
+        ld.ellipse((x - 9, y - 9, x + 9, y + 9), fill=GREEN + (188,))
+    canvas.alpha_composite(line)
+
+
+def text_width(
+    draw: ImageDraw.ImageDraw, text: str, face: ImageFont.FreeTypeFont
+) -> float:
+    return draw.textlength(text, font=face)
+
+
+def draw_tracking_text(
+    draw: ImageDraw.ImageDraw,
+    xy: tuple[int, int],
+    text: str,
+    face: ImageFont.FreeTypeFont,
+    fill: tuple[int, int, int],
+    tracking: int,
+) -> None:
+    x, y = xy
+    for char in text:
+        draw.text((x, y), char, font=face, fill=fill)
+        x += text_width(draw, char, face) + tracking
+
+
+def fit_display(
+    draw: ImageDraw.ImageDraw, lines: tuple[str, ...], max_width: int
+) -> ImageFont.FreeTypeFont:
+    is_cjk = any(contains_cjk(line) for line in lines)
+    display_path = japanese_font_path() if is_cjk else DISPLAY_FONT
+    size = 166 if is_cjk else 184
+    while size > 126:
+        face = font(display_path, size)
+        if max(text_width(draw, line, face) for line in lines) <= max_width:
+            return face
+        size -= 4
+    return font(display_path, size)
+
+
+def fit_body(
+    draw: ImageDraw.ImageDraw, text: str, max_width: int
+) -> ImageFont.FreeTypeFont:
+    size = 40
+    while size > 30:
+        face = face_for(text, TEXT_FONT, size)
+        if text_width(draw, text, face) <= max_width:
+            return face
+        size -= 1
+    return face_for(text, TEXT_FONT, size)
+
+
+def draw_campaign_copy(canvas: Image.Image, panel: int, spec: dict) -> None:
+    draw = ImageDraw.Draw(canvas)
+    left = panel * PANEL_W + 150
+    right = (panel + 1) * PANEL_W - 150
+    top = 76
+
+    eyebrow = face_for(spec["eyebrow"], CONDENSED_FONT, 34)
+    draw_tracking_text(draw, (left, top), spec["eyebrow"], eyebrow, GREEN, 5)
+
+    index = font(CONDENSED_FONT, 32)
+    index_text = f"0{panel + 1} / 05"
+    draw.text(
+        (right - text_width(draw, index_text, index), top),
+        index_text,
+        font=index,
+        fill=(100, 118, 145),
+    )
+    draw.rounded_rectangle((left, 139, right, 147), radius=4, fill=(38, 57, 82))
+    draw.rounded_rectangle((left, 139, left + 165, 147), radius=4, fill=GREEN)
+
+    lines = tuple(spec["headline"])
+    display = fit_display(draw, lines, 1640)
+    line_h = round(
+        display.size * (1.04 if any(contains_cjk(line) for line in lines) else 0.86)
+    )
+    y = 171
+    headline_bottom = y
+    for line in lines:
+        draw.text((left + 6, y + 9), line, font=display, fill=(23, 68, 127))
+        draw.text((left, y), line, font=display, fill=INK)
+        headline_bottom = max(
+            headline_bottom,
+            draw.textbbox((left, y), line, font=display)[3],
+        )
+        y += line_h
+
+    body = fit_body(draw, spec["body"], 1060)
+    body_y = headline_bottom + 18
+    draw.text((left, body_y), spec["body"], font=body, fill=MUTED)
+
+    if spec.get("stat"):
+        stat = font(DISPLAY_FONT, 112)
+        stat_x = right - text_width(draw, spec["stat"], stat)
+        draw.text((stat_x, 457), spec["stat"], font=stat, fill=GREEN)
+
+
+def build_ipad(shot: Image.Image, target_w: int) -> Image.Image:
+    """Build a slim, uniform titanium landscape iPad frame."""
+    outer = max(22, round(target_w * 0.016))
+    bezel = max(20, round(target_w * 0.014))
+    screen_w = target_w - 2 * (outer + bezel)
+    screen_h = round(screen_w * shot.height / shot.width)
+    total_h = screen_h + 2 * (outer + bezel)
+    outer_radius = round(target_w * 0.036)
+
+    ipad = Image.new("RGBA", (target_w, total_h), (0, 0, 0, 0))
+    draw = ImageDraw.Draw(ipad)
+    draw.rounded_rectangle(
+        (0, 0, target_w - 1, total_h - 1),
+        radius=outer_radius,
+        fill=(43, 46, 52, 255),
+        outline=(173, 179, 189, 255),
+        width=max(3, target_w // 420),
+    )
+    draw.rounded_rectangle(
+        (outer, outer, target_w - outer - 1, total_h - outer - 1),
+        radius=outer_radius - outer // 3,
+        fill=(3, 4, 7, 255),
+        outline=(79, 84, 94, 255),
+        width=max(2, target_w // 600),
+    )
+
+    screen = shot.convert("RGB").resize((screen_w, screen_h), Image.Resampling.LANCZOS)
+    inset = outer + bezel
+    screen_radius = round(target_w * 0.020)
+    ipad.paste(screen, (inset, inset), rounded_mask(screen.size, screen_radius))
+
+    # A landscape iPad has a small camera on the center of the long top edge,
+    # never an iPhone-style Dynamic Island.
+    camera_r = max(5, round(target_w * 0.0042))
+    camera_x = target_w // 2
+    camera_y = outer + bezel // 2
+    draw.ellipse(
+        (
+            camera_x - camera_r,
+            camera_y - camera_r,
+            camera_x + camera_r,
+            camera_y + camera_r,
+        ),
+        fill=(5, 8, 13, 255),
+        outline=(32, 52, 75, 255),
+        width=2,
+    )
+    draw.ellipse(
+        (
+            camera_x - camera_r // 3,
+            camera_y - camera_r // 3,
+            camera_x + camera_r // 3,
+            camera_y + camera_r // 3,
+        ),
+        fill=(31, 60, 83, 255),
+    )
+    return ipad
+
+
+def elevated(
+    ipad: Image.Image, angle: float, glow_color: tuple[int, int, int]
+) -> Image.Image:
+    rotated = ipad.rotate(angle, expand=True, resample=Image.Resampling.BICUBIC)
+    pad = 68
+    stage = Image.new(
+        "RGBA",
+        (rotated.width + pad * 2, rotated.height + pad * 2),
+        (0, 0, 0, 0),
+    )
+    alpha = rotated.getchannel("A")
+
+    shadow = Image.new("RGBA", rotated.size, (0, 0, 0, 255))
+    shadow.putalpha(alpha.point(lambda value: round(value * 0.66)))
+    stage.alpha_composite(shadow, (pad + 12, pad + 36))
+    stage = stage.filter(ImageFilter.GaussianBlur(34))
+
+    halo = Image.new("RGBA", rotated.size, glow_color + (255,))
+    halo.putalpha(alpha.point(lambda value: round(value * 0.20)))
+    stage.alpha_composite(halo, (pad - 4, pad + 8))
+    stage.alpha_composite(rotated, (pad, pad))
+    return stage
+
+
+PLACEMENTS = [
+    ("01_home.png", 1690, -2.2, BLUE),
+    ("02_evolution.png", 1690, 2.2, GREEN),
+    ("03_allocation.png", 1690, -1.8, BLUE),
+    ("04_performance.png", 1690, 2.0, GREEN),
+    ("05_settings.png", 1690, -2.0, BLUE),
+]
+
+
+def render(
+    specs: list[dict], output_dir: Path, base_scene: Image.Image
+) -> list[Path]:
+    output_dir.mkdir(parents=True, exist_ok=True)
+    canvas = base_scene.copy()
+
+    for panel, spec in enumerate(specs):
+        draw_campaign_copy(canvas, panel, spec)
+
+    for panel, (source, target_w, angle, halo) in enumerate(PLACEMENTS):
+        with Image.open(RAW / source) as shot:
+            staged_ipad = elevated(build_ipad(shot, target_w), angle, halo)
+        panel_left = panel * PANEL_W
+        x = panel_left + (PANEL_W - staged_ipad.width) // 2
+        y = HEIGHT - staged_ipad.height - 14
+        if x < panel_left or x + staged_ipad.width > panel_left + PANEL_W or y < 0:
+            raise RuntimeError(f"iPad placement escapes panel {panel + 1}")
+        canvas.alpha_composite(staged_ipad, (x, y))
+
+    rgb = canvas.convert("RGB")
+    outputs: list[Path] = []
+    for panel in range(PANELS):
+        path = output_dir / f"portfolio_journal_{panel + 1:02d}.png"
+        image = rgb.crop(
+            (panel * PANEL_W, 0, (panel + 1) * PANEL_W, HEIGHT)
+        )
+        image.save(path, "PNG", optimize=True)
+        outputs.append(path)
+
+    preview = output_dir / "_preview.png"
+    preview_w = PANEL_W
+    preview_h = round(HEIGHT * preview_w / WIDTH)
+    rgb.resize((preview_w, preview_h), Image.Resampling.LANCZOS).save(
+        preview, "PNG", optimize=True
+    )
+    outputs.append(preview)
+    return outputs
+
+
+def verify(outputs: list[Path]) -> None:
+    for path in outputs:
+        with Image.open(path) as image:
+            image.load()
+            expected = (
+                (PANEL_W, HEIGHT)
+                if path.name != "_preview.png"
+                else (PANEL_W, round(HEIGHT * PANEL_W / WIDTH))
+            )
+            if image.size != expected:
+                raise RuntimeError(f"{path}: expected {expected}, got {image.size}")
+            print(f"{path}  {image.width}x{image.height}")
+
+
+def main() -> None:
+    base_scene = gradient_background()
+    draw_growth_thread(base_scene)
+
+    locale_specs = [("en", DEFAULT_ENGLISH_SPECS), *LOCALIZED_SPECS.items()]
+    for locale, specs in locale_specs:
+        suffix = "" if locale == "en" else f"_{locale}"
+        output_dir = ROOT / "build/screenshots" / f"pano_codex_ipad{suffix}"
+        verify(render(specs, output_dir, base_scene))
+
+
+if __name__ == "__main__":
+    main()

Scripts/aso/frame_screenshot.py

@@ -23,6 +23,13 @@ DEFAULT_GRAD_TOP = "#0B5FFF"
 DEFAULT_GRAD_BOTTOM = "#00C2A8"
 HEX_RE = re.compile(r"#[0-9A-Fa-f]{6}\b")
 
+# --- Dark premium / fintech theme -----------------------------------------
+DARK_GRAD_TOP = "#0F172A"       # slate-900
+DARK_GRAD_BOTTOM = "#020617"    # near black
+HEADLINE_COLOR = (248, 250, 252)   # #F8FAFC near-white
+ACCENT_COLOR = (52, 211, 153)      # #34D399 vibrant green
+MUTED_COLOR = (148, 163, 184)      # #94A3B8 muted slate
+
 
 FONT_CANDIDATES = (
     # CJK-capable macOS fonts first.
@@ -38,6 +45,24 @@ FONT_CANDIDATES = (
     "/System/Library/Fonts/SFNS.ttf",
 )
 
+# Bold-weight candidates for headline / stat callout.
+BOLD_FONT_CANDIDATES = (
+    "/System/Library/Fonts/ヒラギノ角ゴシック W7.ttc",
+    "/System/Library/Fonts/ヒラギノ角ゴシック W6.ttc",
+    "/System/Library/Fonts/Supplemental/Arial Bold.ttf",
+    "/System/Library/Fonts/SFNS.ttf",
+    "/System/Library/Fonts/Supplemental/Arial.ttf",
+)
+
+# Regular-weight candidates for secondary / substat text.
+REGULAR_FONT_CANDIDATES = (
+    "/System/Library/Fonts/ヒラギノ角ゴシック W4.ttc",
+    "/System/Library/Fonts/ヒラギノ角ゴシック W5.ttc",
+    "/System/Library/Fonts/Supplemental/Arial.ttf",
+    "/System/Library/Fonts/SFNS.ttf",
+    "/System/Library/Fonts/Supplemental/Arial Unicode.ttf",
+)
+
 
 def parse_hex_color(value: str) -> tuple[int, int, int]:
     """Return an RGB tuple from #RRGGBB."""
@@ -140,8 +165,11 @@ def make_vertical_gradient(size: tuple[int, int], top: str, bottom: str) -> Imag
     return gradient.convert("RGBA")
 
 
-def load_font(size: int) -> ImageFont.ImageFont:
-    for font_path in FONT_CANDIDATES:
+def load_font(
+    size: int,
+    candidates: Sequence[str] = FONT_CANDIDATES,
+) -> ImageFont.ImageFont:
+    for font_path in candidates:
         path = Path(font_path)
         if not path.exists():
             continue
@@ -158,6 +186,14 @@ def load_font(size: int) -> ImageFont.ImageFont:
     return ImageFont.load_default()
 
 
+def load_bold_font(size: int) -> ImageFont.ImageFont:
+    return load_font(size, BOLD_FONT_CANDIDATES)
+
+
+def load_regular_font(size: int) -> ImageFont.ImageFont:
+    return load_font(size, REGULAR_FONT_CANDIDATES)
+
+
 def text_bbox(draw: ImageDraw.ImageDraw, text: str, font: ImageFont.ImageFont) -> tuple[int, int]:
     if not text:
         return 0, 0
@@ -244,19 +280,21 @@ def fit_headline(
     max_width: int,
     max_height: int,
     draw: ImageDraw.ImageDraw,
+    max_scale: float = 0.052,
+    font_loader=load_font,
 ) -> tuple[str, ImageFont.ImageFont, int, int]:
     _, height = canvas_size
-    max_size = max(34, round(height * 0.052))
+    max_size = max(34, round(height * max_scale))
     min_size = 28
 
     for size in range(max_size, min_size - 1, -2):
-        font = load_font(size)
+        font = font_loader(size)
         wrapped = wrap_headline(headline, font, max_width, draw)
         text_width, text_height = text_bbox(draw, wrapped, font)
         if text_width <= max_width and text_height <= max_height:
             return wrapped, font, text_width, text_height
 
-    font = load_font(min_size)
+    font = font_loader(min_size)
     wrapped = wrap_headline(headline, font, max_width, draw)
     text_width, text_height = text_bbox(draw, wrapped, font)
     return wrapped, font, text_width, text_height
@@ -276,12 +314,32 @@ def paste_with_shadow(
     screenshot: Image.Image,
     position: tuple[int, int],
     radius: int,
+    glow: bool = False,
 ) -> None:
     x, y = position
     shadow_offset = max(10, round(canvas.width * 0.014))
     shadow_blur = max(18, round(canvas.width * 0.025))
     shadow_opacity = 105
 
+    if glow:
+        # Soft light halo so the device lifts off the dark background.
+        halo_blur = max(28, round(canvas.width * 0.05))
+        halo_pad = max(24, round(canvas.width * 0.03))
+        halo_size = (screenshot.width + halo_pad * 2, screenshot.height + halo_pad * 2)
+        halo = Image.new("RGBA", halo_size, (0, 0, 0, 0))
+        halo_mask = Image.new("L", halo_size, 0)
+        ImageDraw.Draw(halo_mask).rounded_rectangle(
+            (halo_pad, halo_pad, halo_pad + screenshot.width, halo_pad + screenshot.height),
+            radius=radius,
+            fill=70,
+        )
+        halo.putalpha(halo_mask)
+        # Tint the halo toward a cool light so it reads as premium elevation.
+        halo_rgb = Image.new("RGBA", halo_size, (148, 197, 255, 0))
+        halo_rgb.putalpha(halo.getchannel("A"))
+        halo_rgb = halo_rgb.filter(ImageFilter.GaussianBlur(halo_blur))
+        canvas.alpha_composite(halo_rgb, (x - halo_pad, y - halo_pad))
+
     shadow = Image.new("RGBA", screenshot.size, (0, 0, 0, 0))
     mask = Image.new("L", screenshot.size, 0)
     ImageDraw.Draw(mask).rounded_rectangle((0, 0, screenshot.width, screenshot.height), radius=radius, fill=shadow_opacity)
@@ -292,9 +350,17 @@ def paste_with_shadow(
     canvas.alpha_composite(rounded_image(screenshot, radius), position)
 
 
-def resize_screenshot(image: Image.Image, canvas_width: int, canvas_height: int) -> Image.Image:
-    target_width = round(canvas_width * 0.78)
+def resize_screenshot(
+    image: Image.Image,
+    canvas_width: int,
+    canvas_height: int,
+    width_frac: float = 0.78,
+    max_height_px: int | None = None,
+) -> Image.Image:
+    target_width = round(canvas_width * width_frac)
     target_height = round(canvas_height * 0.72)
+    if max_height_px is not None:
+        target_height = min(target_height, max_height_px)
     scale = min(target_width / image.width, target_height / image.height, 1.0)
     new_size = (max(1, round(image.width * scale)), max(1, round(image.height * scale)))
     if new_size == image.size:
@@ -311,8 +377,18 @@ def frame_screenshot(
     grad_top: str,
     grad_bottom: str,
     device: str | None = None,
+    theme: str = "light",
+    stat: str | None = None,
+    substat: str | None = None,
 ) -> None:
     del device  # Reserved for future per-device tuning.
+    if theme == "dark":
+        frame_screenshot_dark(
+            input_path, output_path, width, height,
+            headline, grad_top, grad_bottom, stat, substat,
+        )
+        return
+
     canvas = make_vertical_gradient((width, height), grad_top, grad_bottom)
     draw = ImageDraw.Draw(canvas)
 
@@ -353,6 +429,133 @@ def frame_screenshot(
     canvas.convert("RGB").save(output_path, "PNG")
 
 
+def frame_screenshot_dark(
+    input_path: Path,
+    output_path: Path,
+    width: int,
+    height: int,
+    headline: str,
+    grad_top: str,
+    grad_bottom: str,
+    stat: str | None,
+    substat: str | None,
+) -> None:
+    """Dark premium / fintech framing: near-black gradient, near-white bold
+    headline, optional big green stat callout, and a device shot lifted off the
+    background with a subtle light glow."""
+    canvas = make_vertical_gradient((width, height), grad_top, grad_bottom)
+    draw = ImageDraw.Draw(canvas)
+
+    horizontal_margin = round(width * 0.08)
+    top_margin = round(height * 0.055)
+    max_text_width = width - horizontal_margin * 2
+    line_spacing = max(8, round(height * 0.006))
+
+    # --- Headline: bold, near-white, slightly tighter/smaller than the light
+    # theme so it reads premium rather than shouty.
+    headline_area_height = round(height * 0.11)
+    wrapped, headline_font, _, headline_h = fit_headline(
+        headline,
+        (width, height),
+        max_text_width,
+        headline_area_height,
+        draw,
+        max_scale=0.044,
+        font_loader=load_bold_font,
+    )
+
+    cursor_y = top_margin
+    draw.multiline_text(
+        (width // 2, cursor_y),
+        wrapped,
+        font=headline_font,
+        fill=HEADLINE_COLOR + (255,),
+        anchor="ma",
+        align="center",
+        spacing=line_spacing,
+    )
+    cursor_y += headline_h
+
+    # --- Optional stat callout: big vibrant-green number + muted secondary.
+    if stat:
+        cursor_y += round(height * 0.022)
+        stat_size = max(48, round(height * 0.062))
+        stat_font = load_bold_font(stat_size)
+        # Shrink to fit width if the number is long.
+        while stat_size > 40:
+            if text_bbox(draw, stat, stat_font)[0] <= max_text_width:
+                break
+            stat_size -= 2
+            stat_font = load_bold_font(stat_size)
+        _, stat_h = text_bbox(draw, stat, stat_font)
+        draw.text(
+            (width // 2, cursor_y),
+            stat,
+            font=stat_font,
+            fill=ACCENT_COLOR + (255,),
+            anchor="ma",
+        )
+        cursor_y += stat_h
+
+        if substat:
+            cursor_y += round(height * 0.010)
+            sub_size = max(26, round(height * 0.026))
+            sub_font = load_regular_font(sub_size)
+            sub_wrapped = wrap_headline(substat, sub_font, max_text_width, draw)
+            _, sub_h = text_bbox(draw, sub_wrapped, sub_font)
+            # A leading "▲" (or up-arrow) is a positive signal -> green.
+            sub_color = ACCENT_COLOR if substat.strip().startswith(("▲", "↑", "+")) else MUTED_COLOR
+            draw.multiline_text(
+                (width // 2, cursor_y),
+                sub_wrapped,
+                font=sub_font,
+                fill=sub_color + (255,),
+                anchor="ma",
+                align="center",
+                spacing=line_spacing,
+            )
+            cursor_y += sub_h
+    elif substat:
+        # substat without a big stat -> supporting line. Positive-signal
+        # prefixes (▲ ↑ +) get the green accent; otherwise muted slate.
+        cursor_y += round(height * 0.014)
+        sub_size = max(26, round(height * 0.030))
+        sub_font = load_bold_font(sub_size)
+        sub_wrapped = wrap_headline(substat, sub_font, max_text_width, draw)
+        _, sub_h = text_bbox(draw, sub_wrapped, sub_font)
+        sub_color = ACCENT_COLOR if substat.strip().startswith(("▲", "↑", "+")) else MUTED_COLOR
+        draw.multiline_text(
+            (width // 2, cursor_y),
+            sub_wrapped,
+            font=sub_font,
+            fill=sub_color + (255,),
+            anchor="ma",
+            align="center",
+            spacing=line_spacing,
+        )
+        cursor_y += sub_h
+
+    # --- Device shot below the text block, with glow + shadow.
+    # The device top is pinned just under the text block; it is scaled down so
+    # it always fits the remaining space and never overlaps the copy.
+    screenshot_y = cursor_y + round(height * 0.05)
+    available_bottom = height - round(height * 0.045)
+    max_device_height = available_bottom - screenshot_y
+    screenshot = resize_screenshot(
+        Image.open(input_path), width, height, max_height_px=max_device_height
+    )
+    screenshot_x = (width - screenshot.width) // 2
+    # Center the device within the space left below the text for balance.
+    slack = max(0, (available_bottom - screenshot_y) - screenshot.height)
+    screenshot_y += slack // 2
+
+    radius = max(24, round(width * 0.03))
+    paste_with_shadow(canvas, screenshot, (screenshot_x, screenshot_y), radius, glow=True)
+
+    output_path.parent.mkdir(parents=True, exist_ok=True)
+    canvas.convert("RGB").save(output_path, "PNG")
+
+
 def positive_int(value: str) -> int:
     number = int(value)
     if number <= 0:
@@ -378,8 +581,28 @@ def build_parser() -> argparse.ArgumentParser:
     parser.add_argument("--width", required=True, type=positive_int, help="Final canvas width.")
     parser.add_argument("--height", required=True, type=positive_int, help="Final canvas height.")
     parser.add_argument("--headline", required=True, help="Localized headline text.")
-    parser.add_argument("--grad-top", required=True, help="Top gradient color as #RRGGBB.")
-    parser.add_argument("--grad-bottom", required=True, help="Bottom gradient color as #RRGGBB.")
+    parser.add_argument(
+        "--grad-top",
+        help="Top gradient color as #RRGGBB (defaults per theme).",
+    )
+    parser.add_argument(
+        "--grad-bottom",
+        help="Bottom gradient color as #RRGGBB (defaults per theme).",
+    )
+    parser.add_argument(
+        "--theme",
+        choices=("light", "dark"),
+        default="light",
+        help="Framing theme. 'dark' = dark premium / fintech look.",
+    )
+    parser.add_argument(
+        "--stat",
+        help="Optional big accent stat callout, e.g. '€717,382' (dark theme).",
+    )
+    parser.add_argument(
+        "--substat",
+        help="Optional smaller secondary line, e.g. '▲ +9.4% since last check-in'.",
+    )
     parser.add_argument("--device", choices=("iphone", "ipad"), help="Optional device family hint.")
     return parser
 
@@ -388,8 +611,15 @@ def main(argv: Sequence[str] | None = None) -> int:
     parser = build_parser()
     args = parser.parse_args(argv)
 
-    parse_hex_color(args.grad_top)
-    parse_hex_color(args.grad_bottom)
+    if args.theme == "dark":
+        grad_top = args.grad_top or DARK_GRAD_TOP
+        grad_bottom = args.grad_bottom or DARK_GRAD_BOTTOM
+    else:
+        grad_top = args.grad_top or DEFAULT_GRAD_TOP
+        grad_bottom = args.grad_bottom or DEFAULT_GRAD_BOTTOM
+
+    parse_hex_color(grad_top)
+    parse_hex_color(grad_bottom)
     print_brand_colors(find_repo_root(Path(__file__).resolve()))
 
     frame_screenshot(
@@ -398,9 +628,12 @@ def main(argv: Sequence[str] | None = None) -> int:
         width=args.width,
         height=args.height,
         headline=args.headline,
-        grad_top=args.grad_top,
-        grad_bottom=args.grad_bottom,
+        grad_top=grad_top,
+        grad_bottom=grad_bottom,
         device=args.device,
+        theme=args.theme,
+        stat=args.stat,
+        substat=args.substat,
     )
     print(f"Wrote {args.output} ({args.width}x{args.height})")
     return 0