diff --git a/client/src/components/Budget/CostsPanel.helpers.test.ts b/client/src/components/Budget/CostsPanel.helpers.test.ts
index b9c14a703..093ee2ae6 100644
--- a/client/src/components/Budget/CostsPanel.helpers.test.ts
+++ b/client/src/components/Budget/CostsPanel.helpers.test.ts
@@ -1,5 +1,5 @@
 import { describe, it, expect } from 'vitest'
-import { calculateTicketShares, hasTicketSplit, payerSum, payersBalanced, readTicketItems, readUserNote, rebalancePayers, settlementDate, splitCents, splitEqualShares, writeTicketItems, type TicketItem } from './CostsPanel.helpers'
+import { calculateTicketShares, finalBudgetFor, finalBudgetSources, hasTicketSplit, paidByUser, payerSum, payersBalanced, readTicketItems, readUserNote, rebalancePayers, settlementDate, splitCents, splitEqualShares, writeTicketItems, type TicketItem } from './CostsPanel.helpers'
 
 describe('splitCents', () => {
   it('splits evenly when it divides cleanly', () => {
@@ -246,3 +246,63 @@ describe('calculateTicketShares', () => {
     expect(calculateTicketShares([])).toEqual({ shares: {}, total: 0 })
   })
 })
+
+describe('paidByUser', () => {
+  it('adds up what one participant fronted and ignores the other payers', () => {
+    const item = { payers: [{ user_id: 1, amount: 30 }, { user_id: 2, amount: 70 }, { user_id: 1, amount: 5 }] }
+    expect(paidByUser(item, 1)).toBe(35)
+    expect(paidByUser(item, 2)).toBe(70)
+    expect(paidByUser(item, 3)).toBe(0)
+  })
+
+  it('is zero for an expense with no payer list', () => {
+    expect(paidByUser({ payers: null }, 1)).toBe(0)
+    expect(paidByUser({}, 1)).toBe(0)
+  })
+})
+
+describe('finalBudgetFor', () => {
+  const finals = [{ user_id: 1, username: 'alice', avatar_url: null, expenses: 100, reimbursed: 50, pending: 0, final: 50 }]
+
+  it("returns the server's row for a participant in the ledger", () => {
+    expect(finalBudgetFor(finals, { id: 1, username: 'alice' })).toBe(finals[0])
+  })
+
+  it('reads a participant the ledger left out as costing nothing', () => {
+    expect(finalBudgetFor(finals, { id: 2, username: 'bob' }))
+      .toEqual({ user_id: 2, username: 'bob', avatar_url: null, expenses: 0, reimbursed: 0, pending: 0, final: 0 })
+  })
+})
+
+describe('finalBudgetSources', () => {
+  const items = [
+    { id: 1, payers: [{ user_id: 1, amount: 60 }] },
+    { id: 2, payers: [{ user_id: 2, amount: 40 }] },
+    { id: 3, payers: [{ user_id: 1, amount: -10 }] },
+  ]
+  const settlements = [
+    { id: 1, from_user_id: 2, to_user_id: 1 },
+    { id: 2, from_user_id: 1, to_user_id: 3 },
+    { id: 3, from_user_id: 2, to_user_id: 3 },
+  ]
+  const flows = [
+    { from: { user_id: 3 }, to: { user_id: 1 }, amount: 5 },
+    { from: { user_id: 3 }, to: { user_id: 2 }, amount: 7 },
+  ]
+
+  it('keeps what the participant fronted, a refund they received included', () => {
+    const { fronted } = finalBudgetSources(1, items, settlements, flows, i => paidByUser(i, 1))
+    expect(fronted.map(f => [f.item.id, f.amount])).toEqual([[1, 60], [3, -10]])
+  })
+
+  it('keeps transfers and open flows on either side of the participant, and nobody else\'s', () => {
+    const { moved, outstanding } = finalBudgetSources(1, items, settlements, flows, i => paidByUser(i, 1))
+    expect(moved.map(s => s.id)).toEqual([1, 2])
+    expect(outstanding).toEqual([flows[0]])
+  })
+
+  it('finds nothing for a participant with no activity', () => {
+    expect(finalBudgetSources(9, items, settlements, flows, i => paidByUser(i, 9)))
+      .toEqual({ fronted: [], moved: [], outstanding: [] })
+  })
+})
diff --git a/client/src/components/Budget/CostsPanel.helpers.ts b/client/src/components/Budget/CostsPanel.helpers.ts
index 8ea99177f..85700ccd0 100644
--- a/client/src/components/Budget/CostsPanel.helpers.ts
+++ b/client/src/components/Budget/CostsPanel.helpers.ts
@@ -45,6 +45,52 @@ export function settlementDate(s: { settled_at?: string | null; created_at?: str
   return (s.settled_at || s.created_at || '').slice(0, 10)
 }
 
+/**
+ * What one participant fronted for an expense, in the expense's own currency.
+ *
+ * Several payers can share one bill, and the same person can appear only once,
+ * but the reduce covers a row that somehow carries them twice rather than
+ * picking one of the two. The caller converts the result — this file never
+ * touches exchange rates.
+ */
+export function paidByUser(
+  item: { payers?: { user_id: number; amount: number }[] | null },
+  userId: number,
+): number {
+  return (item.payers || []).filter(p => p.user_id === userId).reduce((a, p) => a + p.amount, 0)
+}
+
+/** The figures a final budget is made of, for someone the server left out of the ledger. */
+export function finalBudgetFor<F extends { user_id: number }>(
+  finals: F[],
+  member: { id: number; username: string },
+): F | { user_id: number; username: string; avatar_url: null; expenses: number; reimbursed: number; pending: number; final: number } {
+  // Absent means they neither fronted anything nor were split into an expense:
+  // the trip has cost them nothing, which is worth a row of its own.
+  return finals.find(f => f.user_id === member.id)
+    || { user_id: member.id, username: member.username, avatar_url: null, expenses: 0, reimbursed: 0, pending: 0, final: 0 }
+}
+
+/**
+ * The rows behind one traveler's final budget: the expenses they fronted, the
+ * transfers already recorded on their side, and the flows still open on it.
+ * `paidOf` converts what they fronted into the display currency — the shells
+ * each own their exchange rates, so this stays free of them.
+ */
+export function finalBudgetSources<I, S extends { from_user_id: number; to_user_id: number }, F extends { from: { user_id: number }; to: { user_id: number } }>(
+  userId: number,
+  items: I[],
+  settlements: S[],
+  flows: F[],
+  paidOf: (item: I) => number,
+): { fronted: { item: I; amount: number }[]; moved: S[]; outstanding: F[] } {
+  return {
+    fronted: items.map(item => ({ item, amount: paidOf(item) })).filter(x => x.amount !== 0),
+    moved: settlements.filter(s => s.from_user_id === userId || s.to_user_id === userId),
+    outstanding: flows.filter(f => f.from.user_id === userId || f.to.user_id === userId),
+  }
+}
+
 /** Sum the amounts of the selected payers. */
 export function payerSum(amounts: Record<number, string>, ids: Set<number>): number {
   return [...ids].reduce((a, id) => a + (Number.parseFloat(amounts[id]) || 0), 0)
diff --git a/client/src/components/Budget/CostsPanel.test.tsx b/client/src/components/Budget/CostsPanel.test.tsx
index 71613bcc7..a83360a70 100644
--- a/client/src/components/Budget/CostsPanel.test.tsx
+++ b/client/src/components/Budget/CostsPanel.test.tsx
@@ -11,6 +11,7 @@ import { usePermissionsStore } from '../../store/permissionsStore'
 import { clearExchangeRateCache } from '../../hooks/useExchangeRates'
 import { resetAllStores, seedStore } from '../../../tests/helpers/store'
 import { buildUser, buildTrip, buildBudgetItem, buildSettings } from '../../../tests/helpers/factories'
+import type { BudgetParticipantFinal } from '@trek/shared'
 import type { BudgetItem } from '../../types'
 import CostsPanel, { ExpenseModal } from './CostsPanel'
 import { splitEqualShares, calculateTicketShares, type TicketItem } from './CostsPanel.helpers'
@@ -20,6 +21,9 @@ const tripMembers = [
   { id: 2, username: 'bob', avatar_url: null },
 ]
 
+/** Bob's buttons in the expense form — his final-budget row in the sidebar answers to his name too. */
+const bobInForm = () => screen.getAllByRole('button', { name: /bob/i }).filter(b => !b.hasAttribute('aria-expanded'))
+
 beforeEach(() => {
   resetAllStores()
   seedStore(useAuthStore, { user: buildUser(), isAuthenticated: true })
@@ -610,7 +614,7 @@ describe('CostsPanel — settlements in the ledger', () => {
 
     await user.type(itemNames[1], 'chocolate cake')
     await user.type(itemPrices[2], '50')
-    const bobButtons = screen.getAllByRole('button', { name: /bob/i })
+    const bobButtons = bobInForm()
     await user.click(bobButtons[1])
 
     await user.type(itemNames[2], 'Milk')
@@ -749,7 +753,7 @@ const expense = (over: Partial<Omit<BudgetItem, 'members'>> & { members?: Member
 
 function mount(
   items: BudgetItem[],
-  settlement: { balances?: Balance[]; flows?: Flow[]; settlements?: Payment[] } = {},
+  settlement: { balances?: Balance[]; flows?: Flow[]; settlements?: Payment[]; finalBudgets?: BudgetParticipantFinal[] } = {},
   entries?: string[],
 ) {
   server.use(
@@ -826,8 +830,49 @@ describe('CostsPanel — overview', () => {
     mount([], { balances: [{ user_id: 1, username: 'alice', avatar_url: null, balance: 0 }] })
 
     // Both travellers appear; neither has a signed amount.
-    await screen.findByText('Balances')
-    expect(screen.getAllByText('0,00 €')).toHaveLength(2)
+    const balances = (await screen.findByText('Balances')).parentElement as HTMLElement
+    expect(within(balances).getAllByText('0,00 €')).toHaveLength(2)
+  })
+
+  it('FE-W5COSTS-004b: the final budget gives one amount per traveler and its arithmetic on click', async () => {
+    // Dinner 90 fronted by Alice, taxi 30 by Bob, both split evenly: the trip costs
+    // each of them 60. Bob has already sent 15 of the 30 he owes, 15 is still open.
+    const user = userEvent.setup()
+    mount([dinner(), taxi()], {
+      balances: [
+        { user_id: 1, username: 'alice', avatar_url: null, balance: 15 },
+        { user_id: 2, username: 'bob', avatar_url: null, balance: -15 },
+      ],
+      flows: [{ from: { user_id: 2, username: 'bob' }, to: { user_id: 1, username: 'alice' }, amount: 15 }],
+      settlements: [{ id: 9, from_user_id: 2, to_user_id: 1, amount: 15, currency: 'EUR', created_at: '2025-06-17 10:00:00' }],
+      finalBudgets: [
+        { user_id: 1, username: 'alice', avatar_url: null, expenses: 90, reimbursed: 15, pending: 15, final: 60 },
+        { user_id: 2, username: 'bob', avatar_url: null, expenses: 30, reimbursed: -15, pending: -15, final: 60 },
+      ],
+    })
+
+    const card = (await screen.findByText('Final budget')).parentElement as HTMLElement
+    await waitFor(() => expect(within(card).getAllByText('60,00 €')).toHaveLength(2))
+    // The main view stays one figure per person until someone asks for more.
+    expect(within(card).queryByText('Expenses paid')).toBeNull()
+
+    const alice = within(card).getByRole('button', { name: /You/ })
+    await user.click(alice)
+    expect(alice).toHaveAttribute('aria-expanded', 'true')
+    expect(within(card).getByText('+90,00 €')).toBeInTheDocument()
+    // Received and still pending both lower her cost.
+    expect(within(card).getAllByText('−15,00 €')).toHaveLength(2)
+    expect(within(card).getByText('Dinner')).toBeInTheDocument()
+    expect(within(card).queryByText('Taxi')).toBeNull()
+    expect(within(card).getAllByText(/^bob → /)).toHaveLength(2)
+
+    // Opening Bob closes Alice: what he sent back and what he still owes raise his.
+    await user.click(within(card).getByRole('button', { name: /bob/ }))
+    expect(alice).toHaveAttribute('aria-expanded', 'false')
+    expect(within(card).getByText('+30,00 €')).toBeInTheDocument()
+    expect(within(card).getAllByText('+15,00 €')).toHaveLength(2)
+    expect(within(card).getByText('Taxi')).toBeInTheDocument()
+    expect(within(card).queryByText('Dinner')).toBeNull()
   })
 
   it('FE-W5COSTS-005: the category breakdown ranks categories by spend', async () => {
@@ -980,8 +1025,8 @@ describe('CostsPanel — settle up', () => {
     render(<CostsPanel tripId={1} tripMembers={tripMembers} />)
 
     await screen.findByText('Balances')
-    // Settle up and Balances both hang off the one failed request.
-    await waitFor(() => expect(screen.getAllByText('Unknown error')).toHaveLength(2))
+    // Settle up, Balances and Final budget all hang off the one failed request.
+    await waitFor(() => expect(screen.getAllByText('Unknown error')).toHaveLength(3))
     expect(screen.queryByText("Everyone's square")).toBeNull()
   })
 
@@ -1360,7 +1405,7 @@ describe('CostsPanel — expense modal', () => {
     const rows = screen.getAllByPlaceholderText('Item name')
     await user.click(rows[1].parentElement!.parentElement!.querySelectorAll('button')[0])
     expect(screen.queryByDisplayValue('Cake')).not.toBeInTheDocument()
-    await user.click(screen.getAllByRole('button', { name: /bob/i })[0])
+    await user.click(bobInForm()[0])
 
     await user.click(screen.getByRole('button', { name: 'Save' }))
     await waitFor(() => expect(put).toBeTruthy())
@@ -1401,7 +1446,8 @@ describe('CostsPanel — expense modal', () => {
     expect(screen.getByDisplayValue('30,00')).toBeInTheDocument()
 
     // Excluding Bob drops his amount; the split no longer matches the total.
-    await user.click(screen.getByRole('button', { name: /bob/i }))
+    expect(bobInForm()).toHaveLength(1)
+    await user.click(bobInForm()[0])
     expect(screen.getByText(/Sum of splits/)).toBeInTheDocument()
     expect(screen.getByRole('button', { name: 'Save' })).toBeDisabled()
 
diff --git a/client/src/components/Budget/CostsPanel.tsx b/client/src/components/Budget/CostsPanel.tsx
index bf11bc6aa..009859659 100644
--- a/client/src/components/Budget/CostsPanel.tsx
+++ b/client/src/components/Budget/CostsPanel.tsx
@@ -18,9 +18,10 @@ import CustomSelect from '../shared/CustomSelect'
 import { CustomDatePicker } from '../shared/CustomDateTimePicker'
 import { localToday } from '../Planner/today'
 import { SYMBOLS, currenciesWith, SPLIT_COLORS } from './BudgetPanel.constants'
-import { amountPattern, calculateTicketShares, hasTicketSplit, NOTE_MAX, payersBalanced, readTicketItems, readUserNote, rebalancePayers, settlementDate, splitEqualShares, writeTicketItems, type TicketItem } from './CostsPanel.helpers'
+import { amountPattern, calculateTicketShares, finalBudgetFor, finalBudgetSources, hasTicketSplit, NOTE_MAX, paidByUser, payersBalanced, readTicketItems, readUserNote, rebalancePayers, settlementDate, splitEqualShares, writeTicketItems, type TicketItem } from './CostsPanel.helpers'
 import { COST_CATEGORY_LIST, catMeta } from './costsCategories'
 import { ReceiptPreviewModal } from './ReceiptPreviewModal'
+import type { BudgetParticipantFinal } from '@trek/shared'
 import type { BudgetItem, BudgetItemReceipt } from '../../types'
 import type { TripMember } from './BudgetPanelMemberChips'
 import GuestBadge from '../shared/GuestBadge'
@@ -52,6 +53,9 @@ interface SettlementData {
   balances: { user_id: number; username: string; avatar_url: string | null; balance: number }[]
   flows: { from: { user_id: number; username: string }; to: { user_id: number; username: string }; amount: number }[]
   settlements: Settlement[]
+  // What the trip ends up costing each participant. Computed server-side off the
+  // same ledger as the balances, so the breakdown can't contradict them.
+  finalBudgets: BudgetParticipantFinal[]
 }
 
 // One row in the unified Costs ledger — either an expense or a settle-up payment,
@@ -94,6 +98,9 @@ export default function CostsPanel({ tripId, tripMembers = [] }: CostsPanelProps
   // One note open at a time: two expanded rows next to each other read as a mess,
   // and the point of the collapse is that the list stays scannable.
   const [expandedNoteId, setExpandedNoteId] = useState<number | null>(null)
+  // One open final-budget breakdown at a time, for the same reason a single note
+  // is expanded at a time: the card is a sidebar, not a report.
+  const [expandedFinalId, setExpandedFinalId] = useState<number | null>(null)
   const [editingSettlement, setEditingSettlement] = useState<Settlement | null>(null)
   const [addingPayment, setAddingPayment] = useState(false)
 
@@ -129,7 +136,8 @@ export default function CostsPanel({ tripId, tripMembers = [] }: CostsPanelProps
 
   // ── derived expense maths (everything converted to the base currency) ────
   const baseTotal = (e: BudgetItem) => convert(e.total_price || 0, curOf(e))
-  const myPaidOf = (e: BudgetItem) => (e.payers || []).filter(p => p.user_id === me).reduce((a, p) => a + convert(p.amount, curOf(e)), 0)
+  const paidByOf = (e: BudgetItem, userId: number) => convert(paidByUser(e, userId), curOf(e))
+  const myPaidOf = (e: BudgetItem) => paidByOf(e, me)
   // "Unfinished": a recorded total nobody has paid yet — counts toward the trip
   // total but stays out of settlements until who-paid is filled in. A negative
   // total (a refund, #2176) is just as unfinished until its recipient is named.
@@ -478,6 +486,12 @@ export default function CostsPanel({ tripId, tripMembers = [] }: CostsPanelProps
             {BalancesList({ balances: settlement?.balances || [] })}
           </div>
 
+          {/* final budget */}
+          <div className={cardCls} style={{ borderRadius: 22, padding: '22px 24px' }}>
+            <div className={labelCls} style={{ marginBottom: 14 }}>{t('costs.finalBudget')}</div>
+            {FinalBudgetList()}
+          </div>
+
           {/* by category */}
           <div className={cardCls} style={{ borderRadius: 22, padding: '22px 24px' }}>
             <div className={labelCls} style={{ marginBottom: 14 }}>{t('costs.byCategory')}</div>
@@ -698,6 +712,12 @@ export default function CostsPanel({ tripId, tripMembers = [] }: CostsPanelProps
           {BalancesList({ balances: settlement?.balances || [] })}
         </div>
 
+        {/* Final budget */}
+        <div className={cardCls} style={{ borderRadius: 18, padding: 16 }}>
+          <div className={labelCls} style={{ marginBottom: 14 }}>{t('costs.finalBudget')}</div>
+          {FinalBudgetList()}
+        </div>
+
         {/* By category */}
         <div className={cardCls} style={{ borderRadius: 18, padding: 16 }}>
           <div className={labelCls} style={{ marginBottom: 14 }}>{t('costs.byCategory')}</div>
@@ -922,6 +942,111 @@ export default function CostsPanel({ tripId, tripMembers = [] }: CostsPanelProps
     )
   }
 
+  /**
+   * What the trip actually costs each traveler — one amount per person, with the
+   * arithmetic behind it a click away.
+   *
+   * The four figures come from the settlement response, not from a second pass
+   * over the expenses here: the server nets them in the same integer cents as
+   * the balances, so `expenses − reimbursed − pending` always lands on the total
+   * printed beside the name. The lists under the breakdown are the rows those
+   * figures came from, which is what makes an unexpected total explainable.
+   */
+  function FinalBudgetList() {
+    if (settlementError) return loadFailed()
+    const finals = settlement?.finalBudgets || []
+    const rows = people.map(p => finalBudgetFor(finals, p))
+    return (
+      <div style={{ display: 'flex', flexDirection: 'column', gap: 2 }}>
+        {rows.map(r => {
+          const open = expandedFinalId === r.user_id
+          return (
+            <div key={r.user_id}>
+              <button type="button" onClick={() => setExpandedFinalId(open ? null : r.user_id)} aria-expanded={open}
+                className="text-content"
+                style={{ display: 'grid', gridTemplateColumns: '28px 1fr auto 14px', gap: 10, alignItems: 'center', width: '100%', padding: '7px 0', background: 'none', border: 0, cursor: 'pointer', fontFamily: 'inherit', textAlign: 'left' }}>
+                <Avatar id={r.user_id} size={28} />
+                <span style={{ fontSize: 'calc(13px * var(--fs-scale-body, 1))', fontWeight: 600, minWidth: 0, overflow: 'hidden', textOverflow: 'ellipsis', whiteSpace: 'nowrap' }}>{personName(r.user_id)}</span>
+                <span style={{ fontSize: 'calc(13px * var(--fs-scale-body, 1))', fontWeight: 700 }}>{fmt(r.final)}</span>
+                <ChevronDown size={14} className="text-content-faint" style={{ transform: open ? 'rotate(180deg)' : 'none', transition: 'transform 0.15s' }} />
+              </button>
+              {open && FinalBudgetBreakdown({ row: r })}
+            </div>
+          )
+        })}
+      </div>
+    )
+  }
+
+  /** The three lines behind one traveler's final budget, and the rows they add up from. */
+  function FinalBudgetBreakdown({ row }: { row: Pick<BudgetParticipantFinal, 'user_id' | 'expenses' | 'reimbursed' | 'pending'> }) {
+    // Each line is signed by what it does to the final, so the column reads as the
+    // subtraction it is: a reimbursement this traveler *sent* raises their cost and
+    // shows as a plus, which "received: −50" could never say.
+    const signed = (v: number) => (v < 0 ? '−' : '+') + fmt(Math.abs(v))
+    const { fronted, moved, outstanding } = finalBudgetSources(
+      row.user_id, budgetItems, settlement?.settlements || [], settlement?.flows || [], e => paidByOf(e, row.user_id))
+    const lineCls = { display: 'flex', alignItems: 'baseline', gap: 10, fontSize: 'calc(12px * var(--fs-scale-body, 1))' } as const
+    const detail = (label: string, value: string) => (
+      <div style={lineCls}>
+        <span className="text-content-muted" style={{ minWidth: 0, flex: 1 }}>{label}</span>
+        <span className="text-content" style={{ fontWeight: 600, whiteSpace: 'nowrap' }}>{value}</span>
+      </div>
+    )
+    const transferLabel = (fromId: number, toId: number) => `${personName(fromId)} → ${toId === me ? t('costs.youLower') : personName(toId)}`
+    // Capped and scrollable: a long trip's expense list would otherwise push the
+    // rest of the sidebar off the screen every time a name is tapped.
+    const listCls = { display: 'flex', flexDirection: 'column', gap: 5, marginTop: 6, maxHeight: 180, overflowY: 'auto' } as const
+    return (
+      <div className="bg-surface-secondary" style={{ borderRadius: 12, padding: '11px 12px', margin: '2px 0 8px', display: 'flex', flexDirection: 'column', gap: 10 }}>
+        <div style={{ display: 'flex', flexDirection: 'column', gap: 6 }}>
+          {detail(t('costs.finalExpenses'), signed(row.expenses))}
+          {detail(t('costs.finalReimbursed'), signed(-row.reimbursed))}
+          {detail(t('costs.finalPending'), signed(-row.pending))}
+        </div>
+        {fronted.length > 0 && (
+          <div>
+            <div className={labelCls}>{t('costs.finalExpenses')}</div>
+            <div style={listCls}>
+              {fronted.map(({ item, amount }) => (
+                <div key={item.id} style={lineCls}>
+                  <span className="text-content-muted" style={{ minWidth: 0, flex: 1, overflow: 'hidden', textOverflow: 'ellipsis', whiteSpace: 'nowrap' }}>{item.name}</span>
+                  <span className="text-content" style={{ whiteSpace: 'nowrap' }}>{fmt(amount)}</span>
+                </div>
+              ))}
+            </div>
+          </div>
+        )}
+        {moved.length > 0 && (
+          <div>
+            <div className={labelCls}>{t('costs.finalReimbursed')}</div>
+            <div style={listCls}>
+              {moved.map(s => (
+                <div key={s.id} style={lineCls}>
+                  <span className="text-content-muted" style={{ minWidth: 0, flex: 1, overflow: 'hidden', textOverflow: 'ellipsis', whiteSpace: 'nowrap' }}>{transferLabel(s.from_user_id, s.to_user_id)}</span>
+                  <span className="text-content" style={{ whiteSpace: 'nowrap' }}>{fmt(convert(s.amount, (s.currency || base).toUpperCase()))}</span>
+                </div>
+              ))}
+            </div>
+          </div>
+        )}
+        {outstanding.length > 0 && (
+          <div>
+            <div className={labelCls}>{t('costs.finalPending')}</div>
+            <div style={listCls}>
+              {outstanding.map((f, i) => (
+                <div key={i} style={lineCls}>
+                  <span className="text-content-muted" style={{ minWidth: 0, flex: 1, overflow: 'hidden', textOverflow: 'ellipsis', whiteSpace: 'nowrap' }}>{transferLabel(f.from.user_id, f.to.user_id)}</span>
+                  <span className="text-content" style={{ whiteSpace: 'nowrap' }}>{fmt(f.amount)}</span>
+                </div>
+              ))}
+            </div>
+          </div>
+        )}
+      </div>
+    )
+  }
+
   function CategoryBreakdown() {
     // Categories net refunds against spend (#2176): a negative entry lowers its
     // category's sum, and a category that nets negative keeps its own row —
diff --git a/client/src/mobile/screens/trip/tabs/MCostsTab.tsx b/client/src/mobile/screens/trip/tabs/MCostsTab.tsx
index 4c3db1035..30a94fd19 100644
--- a/client/src/mobile/screens/trip/tabs/MCostsTab.tsx
+++ b/client/src/mobile/screens/trip/tabs/MCostsTab.tsx
@@ -1,4 +1,4 @@
-import { useCallback, useEffect, useMemo, useRef, useState } from 'react'
+import { useCallback, useEffect, useMemo, useRef, useState, type ReactNode } from 'react'
 import {
   AlertCircle, ArrowDown, ArrowLeftRight, ArrowRight, ArrowUp, Check, ChevronDown, ChevronUp,
   Layers, Pencil, Plus, RotateCcw, StickyNote, Trash2, Receipt,
@@ -13,7 +13,7 @@ import { downloadBlob, openFile } from '../../../../utils/fileDownload'
 import { budgetApi } from '../../../../api/client'
 import MCostSheet from '../sheets/MCostSheet'
 import { ReceiptPreviewModal } from '../../../../components/Budget/ReceiptPreviewModal'
-import { readUserNote, settlementDate } from '../../../../components/Budget/CostsPanel.helpers'
+import { finalBudgetFor, finalBudgetSources, readUserNote, settlementDate } from '../../../../components/Budget/CostsPanel.helpers'
 import { catMeta, COST_CAT_META } from '../../../../components/Budget/costsCategories'
 import CustomSelect from '../../../../components/shared/CustomSelect'
 import { CustomDatePicker } from '../../../../components/shared/CustomDateTimePicker'
@@ -27,7 +27,7 @@ import { CountPill, TabScroller } from './tabChrome'
 import { STATUS_COLOR, type MTabScreenProps } from './tabModel'
 import {
   baseTotal, buildCostsCsv, categoryBreakdown, categoryFilterKeys, computeTotals, currencyOf,
-  dayFilterKeys, filterBudgetItems, filterSettlements, groupLedgerByDay, isUnfinished, memberShareOf, tint,
+  dayFilterKeys, filterBudgetItems, filterSettlements, groupLedgerByDay, isUnfinished, memberShareOf, paidByOf, tint,
   type CostsCtx, type CostsSegment, type CostsSettlement, type CostsSettlementResponse,
 } from './costsModel'
 import type { BudgetItem, BudgetItemReceipt, TripMember } from '../../../../types'
@@ -79,6 +79,8 @@ export default function MCostsTab({ planner, shell }: MTabScreenProps) {
   const [catOpen, setCatOpen] = useState(false)
   const [dayOpen, setDayOpen] = useState(false)
   const [settleOpen, setSettleOpen] = useState(true)
+  // One traveler's final-budget breakdown open at a time; the list stays scannable.
+  const [expandedFinalId, setExpandedFinalId] = useState<number | null>(null)
   const [addPaymentOpen, setAddPaymentOpen] = useState(false)
   const [editingSettlement, setEditingSettlement] = useState<CostsSettlement | null>(null)
   const [expenseModalOpen, setExpenseModalOpen] = useState(false)
@@ -306,6 +308,35 @@ export default function MCostsTab({ planner, shell }: MTabScreenProps) {
         )}
       </div>
 
+      {/* Final budget — what the trip costs each traveler; the arithmetic opens on tap */}
+      <div className="mt-2 rounded-2xl border border-[color:var(--m-rowbr)] bg-m-card p-[13px]">
+        <div className="font-geist text-[0.625rem] font-bold uppercase tracking-[.09em] text-m-faint">{t('costs.finalBudget')}</div>
+        {tripMembers.map(p => {
+          const row = finalBudgetFor(settlement?.finalBudgets || [], p)
+          const open = expandedFinalId === p.id
+          return (
+            <div key={p.id} className="border-b border-[color:var(--m-rowbr)] last:border-b-0">
+              <button
+                type="button"
+                aria-expanded={open}
+                onClick={() => setExpandedFinalId(open ? null : p.id)}
+                className="flex w-full items-center gap-[9px] py-[7px] text-left font-[inherit]"
+              >
+                <MemberAvatar name={p.username} avatarUrl={p.avatar_url} isMe={p.id === me} variant="neutral" size={24} t={t} />
+                <span className="min-w-0 flex-1 truncate text-[0.78125rem] font-semibold text-m-ink">{personName(p.id)}</span>
+                <span className="ml-auto flex-none font-geist text-[0.75rem] font-extrabold tabular-nums text-m-ink">{formatMoney(row.final, base, locale)}</span>
+                {open
+                  ? <ChevronUp size={13} strokeWidth={2.2} className="flex-none text-m-faint" />
+                  : <ChevronDown size={13} strokeWidth={2.2} className="flex-none text-m-faint" />}
+              </button>
+              {open && (
+                <FinalBudgetBreakdown row={row} items={budgetItems} settlement={settlement} ctx={ctx} base={base} locale={locale} t={t} personName={personName} />
+              )}
+            </div>
+          )
+        })}
+      </div>
+
       {/* By category (spec §3.5) */}
       <div className="mt-2 rounded-2xl border border-[color:var(--m-rowbr)] bg-m-card p-[13px]">
         <div className="font-geist text-[0.625rem] font-bold uppercase tracking-[.09em] text-m-faint">{t('costs.byCategory')}</div>
@@ -753,6 +784,54 @@ function PaymentRow({ settlement, ctx, base, locale, t, personName, canEdit, onE
 }
 
 /** Avatar or initials circle; `variant` picks the accent (member chips) or neutral (balances) tone. */
+/**
+ * The three lines behind one traveler's final budget, then the rows they come
+ * from. The figures are the server's — netted with the balances — and each line
+ * is signed by what it does to the final, so the column reads as a subtraction.
+ */
+function FinalBudgetBreakdown({ row, items, settlement, ctx, base, locale, t, personName }: {
+  row: { user_id: number; expenses: number; reimbursed: number; pending: number }
+  items: BudgetItem[]
+  settlement: CostsSettlementResponse | null
+  ctx: CostsCtx
+  base: string
+  locale: string
+  t: TFn
+  personName: (id: number) => string
+}) {
+  const money = (v: number) => formatMoney(v, base, locale)
+  const signed = (v: number) => (v < 0 ? '−' : '+') + money(Math.abs(v))
+  const { fronted, moved, outstanding } = finalBudgetSources(
+    row.user_id, items, settlement?.settlements || [], settlement?.flows || [], e => paidByOf(e, row.user_id, ctx))
+  const line = (key: string, label: string, value: string) => (
+    <div key={key} className="flex items-baseline gap-2 py-[2px] font-geist text-[0.6875rem]">
+      <span className="min-w-0 flex-1 truncate text-m-muted">{label}</span>
+      <span className="flex-none font-semibold tabular-nums text-m-ink">{value}</span>
+    </div>
+  )
+  // Capped and scrollable so a long trip's list can't push the page away.
+  const section = (title: string, rows: ReactNode[]) => rows.length > 0 && (
+    <div className="mt-2">
+      <div className="font-geist text-[0.5625rem] font-bold uppercase tracking-[.09em] text-m-faint">{title}</div>
+      <div className="mt-1 max-h-[160px] overflow-y-auto">{rows}</div>
+    </div>
+  )
+  return (
+    <div className="mb-2 rounded-xl bg-[color:var(--m-ic)] px-[11px] py-[9px]">
+      {line('expenses', t('costs.finalExpenses'), signed(row.expenses))}
+      {line('reimbursed', t('costs.finalReimbursed'), signed(-row.reimbursed))}
+      {line('pending', t('costs.finalPending'), signed(-row.pending))}
+      {section(t('costs.finalExpenses'), fronted.map(({ item, amount }) => line(`e${item.id}`, item.name, money(amount))))}
+      {section(t('costs.finalReimbursed'), moved.map(s => line(
+        `s${s.id}`, `${personName(s.from_user_id)} → ${personName(s.to_user_id)}`, money(ctx.convert(s.amount, (s.currency || base).toUpperCase())),
+      )))}
+      {section(t('costs.finalPending'), outstanding.map((f, i) => line(
+        `f${i}`, `${personName(f.from.user_id)} → ${personName(f.to.user_id)}`, money(f.amount),
+      )))}
+    </div>
+  )
+}
+
 function MemberAvatar({ name, avatarUrl, isMe, variant, size, t }: {
   name: string
   avatarUrl?: string | null
diff --git a/client/src/mobile/screens/trip/tabs/costsModel.ts b/client/src/mobile/screens/trip/tabs/costsModel.ts
index 11dc955a9..c8594c5e8 100644
--- a/client/src/mobile/screens/trip/tabs/costsModel.ts
+++ b/client/src/mobile/screens/trip/tabs/costsModel.ts
@@ -1,5 +1,5 @@
-import type { CostCategory } from '@trek/shared'
-import { readUserNote, settlementDate, splitEqualShares } from '../../../../components/Budget/CostsPanel.helpers'
+import type { BudgetParticipantFinal, CostCategory } from '@trek/shared'
+import { paidByUser, readUserNote, settlementDate, splitEqualShares } from '../../../../components/Budget/CostsPanel.helpers'
 import { catMeta, COST_CATEGORY_LIST } from '../../../../components/Budget/costsCategories'
 import { currencyDecimals } from '../../../../utils/formatters'
 import type { BudgetItem } from '../../../../types'
@@ -31,11 +31,14 @@ export function baseTotal(e: BudgetItem, ctx: CostsCtx): number {
   return ctx.convert(e.total_price || 0, currencyOf(e, ctx))
 }
 
+/** How much a given participant fronted for this expense, in the base currency. */
+export function paidByOf(e: BudgetItem, userId: number, ctx: CostsCtx): number {
+  return ctx.convert(paidByUser(e, userId), currencyOf(e, ctx))
+}
+
 /** How much `ctx.me` personally fronted for this expense, in the base currency. */
 export function myPaidOf(e: BudgetItem, ctx: CostsCtx): number {
-  return (e.payers || [])
-    .filter(p => p.user_id === ctx.me)
-    .reduce((a, p) => a + ctx.convert(p.amount, currencyOf(e, ctx)), 0)
+  return paidByOf(e, ctx.me, ctx)
 }
 
 /** A given member's share of this expense (explicit custom amount, else equal split), base currency. */
@@ -96,6 +99,8 @@ export interface CostsSettlementResponse {
   balances: CostsBalance[]
   flows: CostsSettlementFlow[]
   settlements: CostsSettlement[]
+  /** What the trip ends up costing each participant — netted server-side off the same ledger as `balances`. */
+  finalBudgets: BudgetParticipantFinal[]
 }
 
 // ── hero / tile totals (spec §3.1-§3.3) ────────────────────────────────────
diff --git a/client/tests/unit/mobile/trip/MCostsTab.test.tsx b/client/tests/unit/mobile/trip/MCostsTab.test.tsx
index 5a602c501..3e1f3176f 100644
--- a/client/tests/unit/mobile/trip/MCostsTab.test.tsx
+++ b/client/tests/unit/mobile/trip/MCostsTab.test.tsx
@@ -580,6 +580,43 @@ describe('MCostsTab', () => {
     expect(within(row).getByText('$15.00')).toBeInTheDocument()
   })
 
+  it('FE-MOB-COSTT-041: shows what the trip costs each traveler and opens the arithmetic on tap', async () => {
+    serveSettlement({
+      ...SETTLEMENT,
+      settlements: [{ id: 5, from_user_id: 3, to_user_id: 1, amount: 15, currency: 'USD', created_at: '2026-05-02 10:00:00' }],
+      finalBudgets: [
+        { user_id: 1, username: 'Me', avatar_url: null, expenses: 100, reimbursed: 15, pending: 12.5, final: 72.5 },
+      ],
+    })
+    await renderTab()
+    const card = up(screen.getByText('costs.finalBudget'), 1)
+
+    // One amount per traveler; the two the ledger left out cost nothing.
+    expect(within(card).getByText('$72.50')).toBeInTheDocument()
+    expect(within(card).getAllByText('$0.00')).toHaveLength(2)
+    expect(within(card).queryByText('costs.finalPending')).not.toBeInTheDocument()
+
+    const mine = within(card).getByRole('button', { name: /\$72\.50/ })
+    fireEvent.click(mine)
+    expect(mine).toHaveAttribute('aria-expanded', 'true')
+    // Each line signed by what it does to the final.
+    expect(within(card).getByText('+$100.00')).toBeInTheDocument()
+    expect(within(card).getByText('−$15.00')).toBeInTheDocument()
+    expect(within(card).getByText('−$12.50')).toBeInTheDocument()
+    // The rows behind it: only the expenses I fronted, the transfer I received,
+    // and the flows still open on my side.
+    expect(within(card).getByText('Ramen')).toBeInTheDocument()
+    expect(within(card).getByText('Taxi')).toBeInTheDocument()
+    expect(within(card).queryByText('Museum')).not.toBeInTheDocument()
+    expect(within(card).getAllByText('Bob → costs.you')).toHaveLength(2)
+    expect(within(card).getByText('costs.you → Ada')).toBeInTheDocument()
+    expect(within(card).queryByText('? → Bob')).not.toBeInTheDocument()
+
+    fireEvent.click(mine)
+    expect(mine).toHaveAttribute('aria-expanded', 'false')
+    expect(within(card).queryByText('+$100.00')).not.toBeInTheDocument()
+  })
+
   it('FE-MOB-COSTT-040: the expense filters apply to payments the same way they do on desktop', async () => {
     const mine = { id: 503, from_user_id: 1, to_user_id: 2, amount: 8, currency: 'USD', created_at: '2026-05-02T09:00:00Z' }
     const others = { id: 504, from_user_id: 2, to_user_id: 3, amount: 9, currency: 'USD', created_at: '2026-05-02T09:00:00Z' }
diff --git a/server/src/nest/budget/budget.mcp.ts b/server/src/nest/budget/budget.mcp.ts
index 54cc3950a..c286497d3 100644
--- a/server/src/nest/budget/budget.mcp.ts
+++ b/server/src/nest/budget/budget.mcp.ts
@@ -390,7 +390,7 @@ export class BudgetMcp {
 
   @Tool({
     name: 'get_settlement_summary',
-    description: "See each member's net balance and the suggested payments to settle shared expenses. Amounts are in the trip's base currency. Call this before recording a settlement so you know who should pay whom and how much.",
+    description: "See each member's net balance, the suggested payments to settle shared expenses, and what the trip finally costs each member once every reimbursement is accounted for (`finalBudgets`). Amounts are in the trip's base currency. Call this before recording a settlement so you know who should pay whom and how much.",
     inputSchema: {
       tripId: z.number().int().positive(),
       base: z.string().max(10).optional().describe('ISO currency code to compute balances in; defaults to the trip currency'),
diff --git a/server/src/nest/budget/budget.service.ts b/server/src/nest/budget/budget.service.ts
index 4bdeb3858..e3fcc951d 100644
--- a/server/src/nest/budget/budget.service.ts
+++ b/server/src/nest/budget/budget.service.ts
@@ -1,6 +1,6 @@
 import { Injectable } from '@nestjs/common';
 import { DatabaseService, type TripAccess } from '../database/database.service';
-import type { TrekWsPayload, TrekWsTripEventName } from '@trek/shared';
+import type { BudgetParticipantFinal, TrekWsPayload, TrekWsTripEventName } from '@trek/shared';
 import { RealtimeService } from '../realtime/realtime.service';
 import { PermissionsService } from '../permissions/permissions.service';
 import { avatarUrl } from '../common/avatarUrl';
@@ -847,6 +847,18 @@ export class BudgetService {
     return shares;
   }
 
+  /**
+   * Who owes whom (`balances` + the simplified `flows`), the recorded transfers
+   * (`settlements`), and what the trip ends up costing each participant
+   * (`finalBudgets`).
+   *
+   * The final budget is the same ledger read from the other end. The balances
+   * answer "who still has to pay whom"; `finalBudgets` answers "what did the trip
+   * cost me", which no other figure on the Costs screen gives: a participant's
+   * gross outlay minus the reimbursements already recorded minus the ones still
+   * to come. It is derived from the same integer cents rather than recomputed, so
+   * a breakdown can never contradict the balance printed next to it.
+   */
   calculateSettlement(
     tripId: string | number,
     opts: { base?: string; rates?: Record<string, number> | null; tripCurrency?: string } = {},
@@ -930,6 +942,13 @@ export class BudgetService {
       if (!balances[id]) balances[id] = { user_id: id, username: src.username || '', avatar_url: avatarUrl(src), cents: 0 };
       return balances[id];
     };
+    // The two halves of the balance, kept apart so the per-person final budget can
+    // show its own arithmetic: what each person fronted, and what the recorded
+    // transfers have already moved back. Same trip cents as `balances`, filled by
+    // the same two loops, so the three figures cannot drift from the balance they
+    // are derived from.
+    const frontedCents: Record<number, number> = {};
+    const reimbursedCents: Record<number, number> = {};
 
     for (const item of items) {
       const members = allMembers.filter(m => m.budget_item_id === item.id);
@@ -961,6 +980,7 @@ export class BudgetService {
       for (const p of payers) {
         const paid = toTripCents(p.amount, item.currency, item.exchange_rate);
         ensure(p.user_id, p).cents += paid;
+        frontedCents[p.user_id] = (frontedCents[p.user_id] || 0) + paid;
         creditCents += paid;
       }
       // …and each split participant owes their share — a custom per-member amount
@@ -1000,6 +1020,11 @@ export class BudgetService {
       const inTrip = Math.round(settleToTrip(s.amount, s.currency, s.exchange_rate) * 100);
       ensureSettled(s.from_user_id, s.from_username, s.from_avatar_url).cents += inTrip;
       ensureSettled(s.to_user_id, s.to_username, s.to_avatar_url).cents -= inTrip;
+      // Net of the transfers in both directions: sending one back is a reimbursement
+      // received in reverse, and netting them is what keeps the final budget's
+      // subtraction equal to the balance it is taken from.
+      reimbursedCents[s.to_user_id] = (reimbursedCents[s.to_user_id] || 0) + inTrip;
+      reimbursedCents[s.from_user_id] = (reimbursedCents[s.from_user_id] || 0) - inTrip;
     }
 
     // Into the display currency as one set, then simplify — balances and flows are
@@ -1007,6 +1032,14 @@ export class BudgetService {
     // what "Settle up" offers to move, down to the last cent (#1382).
     const ledger = Object.values(balances);
     const displayCents = allocateDisplayCents(ledger.map(b => b.cents), displayFactor);
+    // Each component of the final budget is re-denominated as its own set, for the
+    // same reason the balances are: rounding one person at a time lets the column
+    // drift away from the figure it converted from. The final itself is then
+    // subtracted in display cents rather than converted separately, so the three
+    // lines the breakdown shows always add up to the total beside them, whatever
+    // currency the viewer picked.
+    const frontedDisplayCents = allocateDisplayCents(ledger.map(b => frontedCents[b.user_id] || 0), displayFactor);
+    const reimbursedDisplayCents = allocateDisplayCents(ledger.map(b => reimbursedCents[b.user_id] || 0), displayFactor);
 
     // Calculate optimized payment flows (greedy algorithm)
     const people = ledger
@@ -1042,6 +1075,13 @@ export class BudgetService {
       })),
       flows,
       settlements,
+      finalBudgets: ledger.map((b, i) => ({
+        user_id: b.user_id, username: b.username, avatar_url: b.avatar_url,
+        expenses: frontedDisplayCents[i] / 100,
+        reimbursed: reimbursedDisplayCents[i] / 100,
+        pending: displayCents[i] / 100,
+        final: (frontedDisplayCents[i] - reimbursedDisplayCents[i] - displayCents[i]) / 100,
+      })) satisfies BudgetParticipantFinal[],
     };
   }
 
diff --git a/server/tests/unit/nest/budget.service.calc.test.ts b/server/tests/unit/nest/budget.service.calc.test.ts
index 9b53a5d52..fbf84049f 100644
--- a/server/tests/unit/nest/budget.service.calc.test.ts
+++ b/server/tests/unit/nest/budget.service.calc.test.ts
@@ -520,6 +520,156 @@ const SHARE_PARITY_FIXTURE: { totalCents: number; users: number[]; itemId: numbe
   { totalCents: -1, users: [1, 2, 3], itemId: 0, expected: { 1: 0, 2: 0, 3: -1 } },
 ];
 
+// ── Final budget per participant ──────────────────────────────────────────
+
+describe('calculateSettlement — finalBudgets', () => {
+  /**
+   * The whole point of the figure: gross outlay minus what came back minus what
+   * still has to. It is the same ledger the balances come from, read from the
+   * other end, so every case here also pins that the subtraction the UI prints
+   * lands on the number beside it.
+   */
+  const checkIdentity = (rows: { expenses: number; reimbursed: number; pending: number; final: number }[]) => {
+    for (const r of rows) {
+      expect(Math.round(r.final * 100))
+        .toBe(Math.round(r.expenses * 100) - Math.round(r.reimbursed * 100) - Math.round(r.pending * 100));
+    }
+  };
+
+  it('charges each participant their share of what the payer fronted', () => {
+    // Alice fronts 100 for the two of them. Nothing has been paid back yet, so the
+    // trip costs each of them 50: Alice is out 100 with 50 still coming, Bob is out
+    // nothing with 50 still to pay.
+    setupDb(
+      [makeItem(1, 100)],
+      [makeMember(1, 1, 'alice'), makeMember(1, 2, 'bob')],
+      [makePayer(1, 1, 100, 'alice')],
+    );
+    const result = budget.calculateSettlement(1);
+
+    const alice = result.finalBudgets.find(f => f.user_id === 1)!;
+    const bob = result.finalBudgets.find(f => f.user_id === 2)!;
+    expect(alice).toMatchObject({ expenses: 100, reimbursed: 0, pending: 50, final: 50 });
+    expect(bob).toMatchObject({ expenses: 0, reimbursed: 0, pending: -50, final: 50 });
+    checkIdentity(result.finalBudgets);
+  });
+
+  it('a recorded transfer moves out of pending and into reimbursed, leaving the final alone', () => {
+    // Bob pays his 50 back. What the trip costs either of them cannot change — only
+    // which of the two lines under it the 50 now sits on.
+    setupDb(
+      [makeItem(1, 100)],
+      [makeMember(1, 1, 'alice'), makeMember(1, 2, 'bob')],
+      [makePayer(1, 1, 100, 'alice')],
+      [makeSettlementRow(1, 2, 1, 50)],
+    );
+    const result = budget.calculateSettlement(1);
+
+    const alice = result.finalBudgets.find(f => f.user_id === 1)!;
+    const bob = result.finalBudgets.find(f => f.user_id === 2)!;
+    expect(alice).toMatchObject({ expenses: 100, reimbursed: 50, pending: 0, final: 50 });
+    expect(bob).toMatchObject({ expenses: 0, reimbursed: -50, pending: 0, final: 50 });
+    checkIdentity(result.finalBudgets);
+  });
+
+  it('sums the finals to what the trip actually spent', () => {
+    // 90 + 60 across three people, fronted by two of them. However the debts are
+    // arranged, the trip cost the group exactly what it spent.
+    setupDb(
+      [makeItem(1, 90), makeItem(2, 60)],
+      [
+        makeMember(1, 1, 'alice'), makeMember(1, 2, 'bob'), makeMember(1, 3, 'carol'),
+        makeMember(2, 2, 'bob'), makeMember(2, 3, 'carol'),
+      ],
+      [makePayer(1, 1, 90, 'alice'), makePayer(2, 2, 60, 'bob')],
+    );
+    const result = budget.calculateSettlement(1);
+
+    expect(centSum(result.finalBudgets.map(f => f.final))).toBe(15000);
+    expect(result.finalBudgets.find(f => f.user_id === 1)!.final).toBe(30);
+    expect(result.finalBudgets.find(f => f.user_id === 2)!.final).toBe(60);
+    expect(result.finalBudgets.find(f => f.user_id === 3)!.final).toBe(60);
+    checkIdentity(result.finalBudgets);
+  });
+
+  it('follows a custom split rather than an equal one', () => {
+    // Alice fronts 100 but only owes 20 of it — the split says so.
+    setupDb(
+      [makeItem(1, 100)],
+      [
+        { ...makeMember(1, 1, 'alice'), amount: 20 },
+        { ...makeMember(1, 2, 'bob'), amount: 80 },
+      ],
+      [makePayer(1, 1, 100, 'alice')],
+    );
+    const result = budget.calculateSettlement(1);
+
+    expect(result.finalBudgets.find(f => f.user_id === 1)!.final).toBe(20);
+    expect(result.finalBudgets.find(f => f.user_id === 2)!.final).toBe(80);
+    checkIdentity(result.finalBudgets);
+  });
+
+  it('leaves an expense nobody paid out of the final budget (#2225)', () => {
+    // The unpaid row stays out of the ledger, so it cannot charge anybody either.
+    setupDb(
+      [makeItem(1, 90)],
+      [makeMember(1, 1, 'alice'), makeMember(1, 2, 'bob'), makeMember(1, 3, 'carol')],
+      [],
+    );
+    const result = budget.calculateSettlement(1);
+
+    expect(result.finalBudgets).toEqual([]);
+  });
+
+  it('gives a refund back to whoever was charged for it (#2176)', () => {
+    // A 30 refund Alice received, split between the two of them: each is 15 better
+    // off, so the trip costs them -15 on this row alone.
+    setupDb(
+      [makeItem(1, -30)],
+      [makeMember(1, 1, 'alice'), makeMember(1, 2, 'bob')],
+      [makePayer(1, 1, -30, 'alice')],
+    );
+    const result = budget.calculateSettlement(1);
+
+    expect(result.finalBudgets.find(f => f.user_id === 1)!).toMatchObject({ expenses: -30, final: -15 });
+    expect(result.finalBudgets.find(f => f.user_id === 2)!.final).toBe(-15);
+    checkIdentity(result.finalBudgets);
+  });
+
+  it('keeps the breakdown adding up in a display currency of its own', () => {
+    // The three lines are converted as their own sets, like the balances are, and
+    // the final is subtracted afterwards — so what the breakdown prints adds up in
+    // whatever currency the viewer picked, at whatever the live rate happens to be.
+    setupDb(
+      [makeItem(1, 100)],
+      [makeMember(1, 1, 'alice'), makeMember(1, 2, 'bob'), makeMember(1, 3, 'carol')],
+      [makePayer(1, 1, 100, 'alice')],
+      [makeSettlementRow(1, 2, 1, 33.33)],
+    );
+    for (const eurPerUsd of [0.855, 0.9312, 0.94]) {
+      const result = budget.calculateSettlement(1, { base: 'USD', tripCurrency: 'EUR', rates: { USD: 1, EUR: eurPerUsd } });
+
+      checkIdentity(result.finalBudgets);
+      // And the pending line is the balance itself, not a second opinion on it.
+      for (const f of result.finalBudgets) {
+        expect(f.pending).toBe(result.balances.find(b => b.user_id === f.user_id)!.balance);
+      }
+    }
+  });
+
+  it('costs nobody anything when a transfer has no expense behind it', () => {
+    // Bob handed Alice 40 with no expense on the trip to justify it. Alice has the
+    // 40 but owes it straight back, so the trip has cost neither of them anything —
+    // the transfer shows up as reimbursed on one line and outstanding on the next.
+    setupDb([], [], [], [makeSettlementRow(1, 2, 1, 40)]);
+    const result = budget.calculateSettlement(1);
+
+    expect(result.finalBudgets.find(f => f.user_id === 1)!).toMatchObject({ expenses: 0, reimbursed: 40, pending: -40, final: 0 });
+    expect(result.finalBudgets.find(f => f.user_id === 2)!).toMatchObject({ expenses: 0, reimbursed: -40, pending: 40, final: 0 });
+    checkIdentity(result.finalBudgets);
+  });
+});
+
 describe('splitEqualShares — client parity (#2176)', () => {
   // Private on purpose (only the settlement calls it); the parity pin reaches
   // through so the fixture exercises the real implementation, not a re-model.
diff --git a/shared/src/budget/budget.schema.ts b/shared/src/budget/budget.schema.ts
index 895bf2768..36169f8e6 100644
--- a/shared/src/budget/budget.schema.ts
+++ b/shared/src/budget/budget.schema.ts
@@ -256,6 +256,35 @@ export const budgetUpdateSettlementRequestSchema = z.object({
 });
 export type BudgetUpdateSettlementRequest = z.infer<typeof budgetUpdateSettlementRequestSchema>;
 
+/**
+ * What the trip actually costs one participant, as GET …/budget/settlement
+ * returns it alongside the balances and the suggested flows.
+ *
+ * `final = expenses - reimbursed - pending`, and the identity holds to the cent
+ * in whatever display currency was asked for: the server derives all four
+ * figures from the one integer-cent ledger the balances come from, so a
+ * breakdown can never disagree with the balance shown next to it. Every amount
+ * is in that display currency.
+ *
+ * A participant who fronted nothing and owes nothing is absent, exactly like
+ * they are from `balances` — a client listing the trip's roster fills the gap
+ * with zeroes rather than expecting a row per member.
+ */
+export const budgetParticipantFinalSchema = z.object({
+  user_id: z.number(),
+  username: z.string(),
+  avatar_url: z.string().nullable(),
+  /** Gross outlay: what this participant fronted as a payer on split expenses. */
+  expenses: z.number(),
+  /** Recorded settle-up transfers, netted: received minus sent. */
+  reimbursed: z.number(),
+  /** Still to be squared up — the participant's current balance, positive when owed. */
+  pending: z.number(),
+  /** What the trip leaves them out of pocket once everything has been settled. */
+  final: z.number(),
+});
+export type BudgetParticipantFinal = z.infer<typeof budgetParticipantFinalSchema>;
+
 export const budgetUpdateMembersRequestSchema = z.object({
   user_ids: z.array(z.number()),
 });
diff --git a/shared/src/i18n/ar/budget.ts b/shared/src/i18n/ar/budget.ts
index dcf542afc..90a4926b0 100644
--- a/shared/src/i18n/ar/budget.ts
+++ b/shared/src/i18n/ar/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'يدفع',
   'costs.settle': 'تسوية',
   'costs.balances': 'الأرصدة',
+  'costs.finalBudget': 'الميزانية النهائية',
+  'costs.finalExpenses': 'المصاريف المدفوعة',
+  'costs.finalReimbursed': 'المبالغ المستردة المستلمة',
+  'costs.finalPending': 'المبالغ المستردة المعلقة',
   'costs.byCategory': 'حسب الفئة',
   'costs.noCategories': 'لا توجد مصروفات بعد.',
   'costs.settleHistory': 'سجل التسويات',
diff --git a/shared/src/i18n/br/budget.ts b/shared/src/i18n/br/budget.ts
index 9f53e2188..d5717727d 100644
--- a/shared/src/i18n/br/budget.ts
+++ b/shared/src/i18n/br/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'paga',
   'costs.settle': 'Acertar',
   'costs.balances': 'Saldos',
+  'costs.finalBudget': 'Orçamento final',
+  'costs.finalExpenses': 'Despesas pagas',
+  'costs.finalReimbursed': 'Reembolsos recebidos',
+  'costs.finalPending': 'Reembolsos pendentes',
   'costs.byCategory': 'Por categoria',
   'costs.noCategories': 'Nenhuma despesa ainda.',
   'costs.settleHistory': 'Histórico de acertos',
diff --git a/shared/src/i18n/ca/budget.ts b/shared/src/i18n/ca/budget.ts
index 19dbce180..fe83bc19b 100644
--- a/shared/src/i18n/ca/budget.ts
+++ b/shared/src/i18n/ca/budget.ts
@@ -78,6 +78,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'paga',
   'costs.settle': 'Liquidar',
   'costs.balances': 'Balanços',
+  'costs.finalBudget': 'Pressupost final',
+  'costs.finalExpenses': 'Despeses pagades',
+  'costs.finalReimbursed': 'Reemborsaments rebuts',
+  'costs.finalPending': 'Reemborsaments pendents',
   'costs.byCategory': 'Per categoria',
   'costs.noCategories': 'Encara no hi ha despeses.',
   'costs.settleHistory': 'Historial de liquidacions',
diff --git a/shared/src/i18n/cs/budget.ts b/shared/src/i18n/cs/budget.ts
index 472a2d4da..efb48cede 100644
--- a/shared/src/i18n/cs/budget.ts
+++ b/shared/src/i18n/cs/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'zaplatí',
   'costs.settle': 'Vyrovnat',
   'costs.balances': 'Zůstatky',
+  'costs.finalBudget': 'Konečný rozpočet',
+  'costs.finalExpenses': 'Zaplacené výdaje',
+  'costs.finalReimbursed': 'Přijaté náhrady',
+  'costs.finalPending': 'Nevyřízené náhrady',
   'costs.byCategory': 'Podle kategorie',
   'costs.noCategories': 'Zatím žádné výdaje.',
   'costs.settleHistory': 'Historie vyrovnání',
diff --git a/shared/src/i18n/de/budget.ts b/shared/src/i18n/de/budget.ts
index f96cff5be..8c78a5d41 100644
--- a/shared/src/i18n/de/budget.ts
+++ b/shared/src/i18n/de/budget.ts
@@ -83,6 +83,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'zahlt',
   'costs.settle': 'Ausgleichen',
   'costs.balances': 'Salden',
+  'costs.finalBudget': 'Endbudget',
+  'costs.finalExpenses': 'Bezahlte Ausgaben',
+  'costs.finalReimbursed': 'Erhaltene Rückzahlungen',
+  'costs.finalPending': 'Ausstehende Rückzahlungen',
   'costs.byCategory': 'Nach Kategorie',
   'costs.noCategories': 'Noch keine Ausgaben.',
   'costs.settleHistory': 'Ausgleichs-Verlauf',
diff --git a/shared/src/i18n/en/budget.ts b/shared/src/i18n/en/budget.ts
index 3a4e8b44a..f52d761d1 100644
--- a/shared/src/i18n/en/budget.ts
+++ b/shared/src/i18n/en/budget.ts
@@ -83,6 +83,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'pays',
   'costs.settle': 'Settle',
   'costs.balances': 'Balances',
+  'costs.finalBudget': 'Final budget',
+  'costs.finalExpenses': 'Expenses paid',
+  'costs.finalReimbursed': 'Reimbursements received',
+  'costs.finalPending': 'Pending reimbursements',
   'costs.byCategory': 'By category',
   'costs.noCategories': 'No expenses yet.',
   'costs.settleHistory': 'Settle history',
diff --git a/shared/src/i18n/es/budget.ts b/shared/src/i18n/es/budget.ts
index 683da7c73..9bcb96b36 100644
--- a/shared/src/i18n/es/budget.ts
+++ b/shared/src/i18n/es/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'paga',
   'costs.settle': 'Saldar',
   'costs.balances': 'Saldos',
+  'costs.finalBudget': 'Presupuesto final',
+  'costs.finalExpenses': 'Gastos pagados',
+  'costs.finalReimbursed': 'Reembolsos recibidos',
+  'costs.finalPending': 'Reembolsos pendientes',
   'costs.byCategory': 'Por categoría',
   'costs.noCategories': 'Aún no hay gastos.',
   'costs.settleHistory': 'Historial de pagos',
diff --git a/shared/src/i18n/fr/budget.ts b/shared/src/i18n/fr/budget.ts
index 00d50fda6..ed5874f9f 100644
--- a/shared/src/i18n/fr/budget.ts
+++ b/shared/src/i18n/fr/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'paie',
   'costs.settle': 'Régler',
   'costs.balances': 'Soldes',
+  'costs.finalBudget': 'Budget final',
+  'costs.finalExpenses': 'Dépenses payées',
+  'costs.finalReimbursed': 'Remboursements reçus',
+  'costs.finalPending': 'Remboursements en attente',
   'costs.byCategory': 'Par catégorie',
   'costs.noCategories': 'Aucune dépense pour le moment.',
   'costs.settleHistory': 'Historique des règlements',
diff --git a/shared/src/i18n/gr/budget.ts b/shared/src/i18n/gr/budget.ts
index 2c38250f1..0a8d00cbc 100644
--- a/shared/src/i18n/gr/budget.ts
+++ b/shared/src/i18n/gr/budget.ts
@@ -81,6 +81,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'πληρώνει',
   'costs.settle': 'Εξόφληση',
   'costs.balances': 'Υπόλοιπα',
+  'costs.finalBudget': 'Τελικός προϋπολογισμός',
+  'costs.finalExpenses': 'Πληρωμένα έξοδα',
+  'costs.finalReimbursed': 'Επιστροφές που ελήφθησαν',
+  'costs.finalPending': 'Εκκρεμείς επιστροφές',
   'costs.byCategory': 'Ανά κατηγορία',
   'costs.noCategories': 'Δεν υπάρχουν έξοδα ακόμη.',
   'costs.settleHistory': 'Ιστορικό εξοφλήσεων',
diff --git a/shared/src/i18n/hu/budget.ts b/shared/src/i18n/hu/budget.ts
index c7587e62c..17db51c08 100644
--- a/shared/src/i18n/hu/budget.ts
+++ b/shared/src/i18n/hu/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'fizet',
   'costs.settle': 'Elszámol',
   'costs.balances': 'Egyenlegek',
+  'costs.finalBudget': 'Végső költségvetés',
+  'costs.finalExpenses': 'Kifizetett kiadások',
+  'costs.finalReimbursed': 'Kapott visszatérítések',
+  'costs.finalPending': 'Függőben lévő visszatérítések',
   'costs.byCategory': 'Kategóriánként',
   'costs.noCategories': 'Még nincs költség.',
   'costs.settleHistory': 'Elszámolási előzmények',
diff --git a/shared/src/i18n/id/budget.ts b/shared/src/i18n/id/budget.ts
index 8e50c7a57..eae63f69a 100644
--- a/shared/src/i18n/id/budget.ts
+++ b/shared/src/i18n/id/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'membayar',
   'costs.settle': 'Lunasi',
   'costs.balances': 'Saldo',
+  'costs.finalBudget': 'Anggaran akhir',
+  'costs.finalExpenses': 'Pengeluaran yang dibayar',
+  'costs.finalReimbursed': 'Penggantian diterima',
+  'costs.finalPending': 'Penggantian tertunda',
   'costs.byCategory': 'Per kategori',
   'costs.noCategories': 'Belum ada pengeluaran.',
   'costs.settleHistory': 'Riwayat pelunasan',
diff --git a/shared/src/i18n/it/budget.ts b/shared/src/i18n/it/budget.ts
index a43b2c4d1..4baa8b520 100644
--- a/shared/src/i18n/it/budget.ts
+++ b/shared/src/i18n/it/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'paga',
   'costs.settle': 'Salda',
   'costs.balances': 'Saldi',
+  'costs.finalBudget': 'Budget finale',
+  'costs.finalExpenses': 'Spese pagate',
+  'costs.finalReimbursed': 'Rimborsi ricevuti',
+  'costs.finalPending': 'Rimborsi in sospeso',
   'costs.byCategory': 'Per categoria',
   'costs.noCategories': 'Ancora nessuna spesa.',
   'costs.settleHistory': 'Cronologia saldi',
diff --git a/shared/src/i18n/ja/budget.ts b/shared/src/i18n/ja/budget.ts
index 99232c5aa..9e71a3351 100644
--- a/shared/src/i18n/ja/budget.ts
+++ b/shared/src/i18n/ja/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': '支払う',
   'costs.settle': '精算',
   'costs.balances': '残高',
+  'costs.finalBudget': '最終負担額',
+  'costs.finalExpenses': '支払った費用',
+  'costs.finalReimbursed': '受け取った精算',
+  'costs.finalPending': '未精算の金額',
   'costs.byCategory': 'カテゴリ別',
   'costs.noCategories': '支出はまだありません。',
   'costs.settleHistory': '精算履歴',
diff --git a/shared/src/i18n/ko/budget.ts b/shared/src/i18n/ko/budget.ts
index bdce041bf..0daa3514d 100644
--- a/shared/src/i18n/ko/budget.ts
+++ b/shared/src/i18n/ko/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': '지불',
   'costs.settle': '정산',
   'costs.balances': '잔액',
+  'costs.finalBudget': '최종 부담액',
+  'costs.finalExpenses': '지불한 지출',
+  'costs.finalReimbursed': '받은 정산',
+  'costs.finalPending': '미정산 금액',
   'costs.byCategory': '카테고리별',
   'costs.noCategories': '아직 지출이 없습니다.',
   'costs.settleHistory': '정산 내역',
diff --git a/shared/src/i18n/nl/budget.ts b/shared/src/i18n/nl/budget.ts
index b4d848075..37d958a6c 100644
--- a/shared/src/i18n/nl/budget.ts
+++ b/shared/src/i18n/nl/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'betaalt',
   'costs.settle': 'Afrekenen',
   'costs.balances': 'Saldi',
+  'costs.finalBudget': 'Eindbudget',
+  'costs.finalExpenses': 'Betaalde uitgaven',
+  'costs.finalReimbursed': 'Ontvangen terugbetalingen',
+  'costs.finalPending': 'Openstaande terugbetalingen',
   'costs.byCategory': 'Per categorie',
   'costs.noCategories': 'Nog geen uitgaven.',
   'costs.settleHistory': 'Afrekengeschiedenis',
diff --git a/shared/src/i18n/pl/budget.ts b/shared/src/i18n/pl/budget.ts
index e6057ddde..675e92dcb 100644
--- a/shared/src/i18n/pl/budget.ts
+++ b/shared/src/i18n/pl/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'płaci',
   'costs.settle': 'Rozlicz',
   'costs.balances': 'Salda',
+  'costs.finalBudget': 'Budżet końcowy',
+  'costs.finalExpenses': 'Zapłacone wydatki',
+  'costs.finalReimbursed': 'Otrzymane zwroty',
+  'costs.finalPending': 'Oczekujące zwroty',
   'costs.byCategory': 'Według kategorii',
   'costs.noCategories': 'Brak wydatków.',
   'costs.settleHistory': 'Historia rozliczeń',
diff --git a/shared/src/i18n/ru/budget.ts b/shared/src/i18n/ru/budget.ts
index d9b692e70..e248f47d7 100644
--- a/shared/src/i18n/ru/budget.ts
+++ b/shared/src/i18n/ru/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'платит',
   'costs.settle': 'Рассчитать',
   'costs.balances': 'Балансы',
+  'costs.finalBudget': 'Итоговый бюджет',
+  'costs.finalExpenses': 'Оплаченные расходы',
+  'costs.finalReimbursed': 'Полученные возмещения',
+  'costs.finalPending': 'Ожидаемые возмещения',
   'costs.byCategory': 'По категориям',
   'costs.noCategories': 'Расходов пока нет.',
   'costs.settleHistory': 'История расчётов',
diff --git a/shared/src/i18n/sv/budget.ts b/shared/src/i18n/sv/budget.ts
index 2be809959..2e47db018 100644
--- a/shared/src/i18n/sv/budget.ts
+++ b/shared/src/i18n/sv/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'betalar',
   'costs.settle': 'Lösa',
   'costs.balances': 'Balanser',
+  'costs.finalBudget': 'Slutlig budget',
+  'costs.finalExpenses': 'Betalda utgifter',
+  'costs.finalReimbursed': 'Mottagna återbetalningar',
+  'costs.finalPending': 'Väntande återbetalningar',
   'costs.byCategory': 'Via kategori',
   'costs.noCategories': 'Inga utgifter än.',
   'costs.settleHistory': 'Historik över reglering',
diff --git a/shared/src/i18n/tr/budget.ts b/shared/src/i18n/tr/budget.ts
index 36630158c..1f0d2c5b8 100644
--- a/shared/src/i18n/tr/budget.ts
+++ b/shared/src/i18n/tr/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'ödüyor',
   'costs.settle': 'Hesaplaş',
   'costs.balances': 'Bakiyeler',
+  'costs.finalBudget': 'Nihai bütçe',
+  'costs.finalExpenses': 'Ödenen harcamalar',
+  'costs.finalReimbursed': 'Alınan geri ödemeler',
+  'costs.finalPending': 'Bekleyen geri ödemeler',
   'costs.byCategory': 'Kategoriye göre',
   'costs.noCategories': 'Henüz harcama yok.',
   'costs.settleHistory': 'Hesaplaşma geçmişi',
diff --git a/shared/src/i18n/uk/budget.ts b/shared/src/i18n/uk/budget.ts
index 875c180b7..8f714b1bc 100644
--- a/shared/src/i18n/uk/budget.ts
+++ b/shared/src/i18n/uk/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'платить',
   'costs.settle': 'Розрахувати',
   'costs.balances': 'Баланси',
+  'costs.finalBudget': 'Підсумковий бюджет',
+  'costs.finalExpenses': 'Оплачені витрати',
+  'costs.finalReimbursed': 'Отримані відшкодування',
+  'costs.finalPending': 'Очікувані відшкодування',
   'costs.byCategory': 'За категоріями',
   'costs.noCategories': 'Витрат ще немає.',
   'costs.settleHistory': 'Історія розрахунків',
diff --git a/shared/src/i18n/vi/budget.ts b/shared/src/i18n/vi/budget.ts
index 45b17c136..2007c1ff7 100644
--- a/shared/src/i18n/vi/budget.ts
+++ b/shared/src/i18n/vi/budget.ts
@@ -80,6 +80,10 @@ const budget: TranslationStrings = {
   'costs.pays': 'trả tiền',
   'costs.settle': 'Thanh toán',
   'costs.balances': 'Số dư',
+  'costs.finalBudget': 'Ngân sách cuối cùng',
+  'costs.finalExpenses': 'Chi phí đã trả',
+  'costs.finalReimbursed': 'Khoản hoàn trả đã nhận',
+  'costs.finalPending': 'Khoản hoàn trả đang chờ',
   'costs.byCategory': 'Theo danh mục',
   'costs.noCategories': 'Chưa có chi phí nào.',
   'costs.settleHistory': 'Lịch sử thanh toán',
diff --git a/shared/src/i18n/zh-TW/budget.ts b/shared/src/i18n/zh-TW/budget.ts
index b7c2cf1f0..b8a166e7e 100644
--- a/shared/src/i18n/zh-TW/budget.ts
+++ b/shared/src/i18n/zh-TW/budget.ts
@@ -79,6 +79,10 @@ const budget: TranslationStrings = {
   'costs.pays': '支付',
   'costs.settle': '結算',
   'costs.balances': '餘額',
+  'costs.finalBudget': '最終花費',
+  'costs.finalExpenses': '已支付的支出',
+  'costs.finalReimbursed': '已收到的還款',
+  'costs.finalPending': '待還款項',
   'costs.byCategory': '按分類',
   'costs.noCategories': '尚無支出。',
   'costs.settleHistory': '結算紀錄',
diff --git a/shared/src/i18n/zh/budget.ts b/shared/src/i18n/zh/budget.ts
index 83eca4be1..c31b973de 100644
--- a/shared/src/i18n/zh/budget.ts
+++ b/shared/src/i18n/zh/budget.ts
@@ -79,6 +79,10 @@ const budget: TranslationStrings = {
   'costs.pays': '支付',
   'costs.settle': '结算',
   'costs.balances': '余额',
+  'costs.finalBudget': '最终花费',
+  'costs.finalExpenses': '已支付的支出',
+  'costs.finalReimbursed': '已收到的还款',
+  'costs.finalPending': '待还款项',
   'costs.byCategory': '按分类',
   'costs.noCategories': '暂无支出。',
   'costs.settleHistory': '结算历史',
diff --git a/wiki/Budget-Tracking.md b/wiki/Budget-Tracking.md
index 0ded1d389..520d7bd09 100644
--- a/wiki/Budget-Tracking.md
+++ b/wiki/Budget-Tracking.md
@@ -83,10 +83,13 @@ An expense with no payer is flagged **Unfinished** on its row and counted into t
 
 ## Settlement calculator
 
-Costs works out the minimum number of transfers needed to settle all debts (using a greedy matching algorithm) and keeps the answer in the right-hand column, split across two cards:
+Costs works out the minimum number of transfers needed to settle all debts (using a greedy matching algorithm) and keeps the answer in the right-hand column, split across three cards:
 
 - **Settle up** — the transfer flows: who pays whom and how much. The number of open flows sits in the card header, and each flow has a **Settle** button that records it as done.
 - **Balances** — net balances: each member's overall surplus or deficit.
+- **Final budget** — what the trip costs each member once every reimbursement is accounted for: **expenses paid − reimbursements received − pending reimbursements**. Clicking a name opens that breakdown, with the expenses the member paid, the payments already recorded and the transfers still open on their side.
+
+The final budget equals each member's share of the paid expenses, so recording a payment moves an amount from *pending* to *received* without changing it. An expense nobody has paid yet stays out of it, as it stays out of the balances.
 
 **Settle up** in the panel header records every open flow at once. **Add payment** on the card records a single transfer by hand, for a repayment that did not follow a suggested flow. Recorded payments then appear in the expense ledger as their own rows, with edit and undo beside them.
 
diff --git a/wiki/MCP-Tools-and-Resources.md b/wiki/MCP-Tools-and-Resources.md
index f1be75936..9baffb31e 100644
--- a/wiki/MCP-Tools-and-Resources.md
+++ b/wiki/MCP-Tools-and-Resources.md
@@ -146,7 +146,7 @@ Requires `budget:read` or `budget:write` scope. Budget addon must be enabled.
 | `delete_budget_item` | Remove a budget item. |
 | `set_budget_item_members` | Set which members are splitting a budget item (replaces current list). |
 | `toggle_budget_member_paid` | Mark or unmark a member as having paid their share. |
-| `get_settlement_summary` | Each member's net balance and the suggested payments to settle shared expenses, in the trip's base currency. Call this before recording a settlement. |
+| `get_settlement_summary` | Each member's net balance, the suggested payments to settle shared expenses, and each member's final budget (`finalBudgets`: expenses paid, reimbursements received, reimbursements pending, final cost), in the trip's base currency. Call this before recording a settlement. |
 | `list_settlements` | List the recorded settle-up payments for a trip — who paid whom, how much, and when. |
 | `create_settlement` | Record a settle-up payment: one member paid another the given amount, with the payment's currency and the day it happened. |
 | `update_settlement` | Update a recorded settle-up payment (payer, recipient, amount, currency and the day it happened). |