Update file metadata in manifest.json and change MinIO image source in docker-compose.yml

.gitignore

@@ -17,6 +17,9 @@ eggs/
 .eggs/
 lib/
 lib64/
+# The frontend's runtime utilities live in a source directory named `lib`.
+!frontend/src/lib/
+!frontend/src/lib/**
 parts/
 sdist/
 var/
@@ -210,4 +213,4 @@ cost.json
 graphify-out/cache/
 
 examples/
-.playwright-mcp
+.playwright-mcp

.kilo/plans/1790055652854-savings-import-categories-blockers.md

@@ -0,0 +1,153 @@
+# Ближайший край: накопления, категории и блокировки бюджета
+
+## Цель и порядок
+
+Сначала ввести корректную доменную модель системных накоплений, затем использовать её в импорте Альфа-Банка и ручной разметке операций. После этого закрыть пользовательские разрывы в управлении категориями и разборе причин, мешающих закрыть месяц.
+
+Порядок реализации обязателен:
+
+1. Системный счёт и конверт «Накопления», корректировки и преобразование расходов.
+2. Автоматическая классификация «Копилки для сдачи» в Альфа debit.
+3. Полное управление пользовательскими категориями на странице бюджета.
+4. Человекочитаемые и сразу устранимые блокировки закрытия.
+
+## Что обнаружено
+
+- Альфа debit сейчас извлекает только направление, банковскую категорию и описание. Перевод создаётся лишь при совпадении двух импортированных операций на разных пользовательских счетах; технический счёт услуги «Копилка для сдачи» этому условию не соответствует.
+- Настоящий `transfer` обязан иметь два счёта и две противоположные проводки. Категория у переводов сейчас не используется бюджетом.
+- Остатки счетов производные и по принятому ADR не должны перезаписываться напрямую.
+- Backend уже имеет `POST /budget/categories` и сервисные функции переименования/архивации, но frontend их не вызывает, HTTP-контракт жизненного цикла неполон, архив скрыт.
+- Backend отдаёт коды `IMPORT_UNRESOLVED_HOLDS` и `BUDGET_UNCATEGORIZED_EXPENSES`, а локали содержат другие ключи в нижнем регистре, поэтому UI показывает enum. Endpoint разрешения HOLD уже есть, но frontend-действий для него нет.
+
+## Зафиксированные продуктовые решения
+
+- В каждом финансовом пространстве существует ровно один видимый системный счёт типа `savings` и один связанный системный `savings_envelope` с ключом `savings`.
+- Название локализуется как «Накопления» / “Savings”; системные счёт и категория не переименовываются, не архивируются и не удаляются.
+- Перевод с обычного счёта на системный счёт получает тип `transfer` и системную категорию «Накопления». Перевод обратно увеличивает общий пул.
+- Пользователь может преобразовать только подтверждённый расход в перевод на «Накопления» и отменить это преобразование. Доходы, возвраты и произвольные переводы не преобразуются этой командой.
+- Ручная смена остатка создаёт отдельную аудируемую `adjustment`-операцию на разницу. Она меняет активы и остаток конверта, но не доходы, расходы, cash flow или общий бюджетный пул.
+- Автоматически распознаётся только услуга Альфа-Банка «Копилка для сдачи». Снятие наличных, P2P-крипта и другие способы накопления размечаются пользователем вручную.
+- Категориями управляют внутри страницы «Бюджет»: создание, переименование, архивирование и восстановление. Системные категории показаны, но их действия заблокированы.
+- Причина блокировки содержит понятный текст, количество и действие, ведущее к месту исправления.
+
+## Обязательный дизайн-процесс
+
+- До изменения frontend-кода загрузить и применить `pen-dev`: проработать в существующем `design.pen` состояния управления категориями, корректировки накоплений, разметки операции и устранения бюджетных блокировок. `.pen` редактировать только Pencil-инструментами.
+- Затем применить `design-an-interface` (доступное имя скилла, соответствующее запросу `design-interfaces`) и сравнить минимум два заметно разных варианта структуры и interaction flow. Выбрать один вариант по числу шагов, ясности финансовых последствий, доступности и согласованности с текущим приложением, а не смешивать варианты.
+- Вёрстку выбранного варианта выполнять со скиллом `frontend-design`, сохраняя установленный визуальный язык проекта, существующие компоненты, типографику и плотность финансовых таблиц. Не вводить отдельный дизайн-язык или новый набор базовых UI-компонентов без необходимости.
+- После первой работающей вёрстки применить `impeccable` для критики и полировки UX-copy, визуальной иерархии, responsive-поведения, keyboard/focus flow, error/empty/loading states и доступности.
+- Для каждого затронутого flow проверить макет и реализацию в состояниях desktop и mobile, с данными, пустым списком, pending mutation, ошибкой, системной защищённой сущностью и архивной сущностью. Frontend-срез не считается законченным до browser screenshot review и устранения замечаний из `impeccable`.
+
+## 1. Доменная основа накоплений
+
+### Схема и миграция
+
+- В `backend/app/ledger/models.py` добавить тип счёта `savings`, nullable `Account.system_key` и уникальность `(space_id, system_key)` для системного счёта.
+- Добавить тип операции `adjustment`. Для отображения знака получать дельту из единственной проводки корректировки, не делать `amount_kopecks` знаковым.
+- Добавить к операции признак обратимого преобразования из расхода и ссылку на предыдущую категорию. Это позволит отличить размеченный расход от обычного вручную созданного перевода и точно восстановить категорию.
+- Добавить уникальность системной пары категории по `(space_id, system_key, linked_account_id)`; существующие резервы кредиток остаются допустимы.
+- Создать ревизию Alembic после `0002`: безопасно заменить check constraints типов, добавить поля/индексы и создать для каждого существующего пространства системный счёт с нулевым открывающим остатком и связанную категорию. Новые пространства получают ту же пару в `spaces.service.create_space`.
+- Не переиспользовать существующие пользовательские счета/категории с текстом «Накопления»: идентичность задаётся только `system_key`, совпавшие пользовательские имена сохраняются.
+- Обновить `docs/adr/0002-journal-and-budget-reserves.md`: корректировка является журнальной операцией с одной проводкой; системный конверт связан со счётом; прямое изменение stored balance по-прежнему запрещено.
+
+### Сервисы и API
+
+- Вынести идемпотентный `ensure_savings_resources(db, space_id)` и использовать его при создании пространства и в доменных командах накоплений.
+- Добавить `POST /accounts/{account_id}/adjust-balance` с `targetBalanceKopecks >= 0`, датой и обязательной причиной. Под блокировкой строки счёта вычислять дельту, запрещать нулевое изменение и закрытый месяц, создавать `adjustment` и одну signed posting, писать old/new/delta в audit.
+- Добавить явные команды `POST /operations/{id}/savings-transfer` и `POST /operations/{id}/savings-transfer/revert`.
+- Преобразование разрешать только для `confirmed expense` не на системном счёте и в открытом периоде: сохранить прежнюю категорию, сменить тип на `transfer`, назначить counter account и системную категорию, добавить положительную проводку на накопления, сохранив исходную отрицательную проводку, description, payee, request key и import provenance.
+- Обратная команда разрешена только для помеченного преобразования: удалить проводку накоплений, вернуть `expense`, убрать counter account и восстановить предыдущую категорию. Обе команды аудируются и остаются tenant-scoped.
+- Обычные expense/income/import endpoints не должны использовать системный счёт как внешний счёт. Ручной `create_transfer` может переводить в накопления и обратно; при участии системного счёта он автоматически назначает системную категорию.
+- В API счёта вернуть `systemKey`/`nameKey`; пользовательский create-account по-прежнему принимает только `cash | debit | credit`.
+
+### Бюджетная семантика
+
+- В `compute_period_state` считать переводы в накопления обеспечением системного конверта и вычитать их из общего пула; переводы из накоплений считать обратным движением и возвращать в пул.
+- Для системного конверта: `planned = 0`, `funded` показывает чистое движение переводов выбранного месяца, `spent = 0`, `available` равен остатку связанного счёта на конец выбранного месяца. Корректировки меняют только `available`.
+- Не включать `adjustment` в income/expense totals, category spend, plan/fact или cash-flow. В balances/net worth системный счёт включается как актив.
+- Закрытый период защищает преобразование, возврат преобразования и корректировку тем же правилом reopen-before-change.
+
+### Frontend
+
+- Расширить типы, форматирование и локали для `savings` и `adjustment`; не добавлять `adjustment` в форму создания обычной операции.
+- В `AccountsPage` показать системный счёт обычной строкой с системным badge, без archive, и действием «Скорректировать». Drawer/modal содержит текущий и новый остаток, дату, причину и явно сообщает, что это не доход/расход.
+- В `OperationsPage` у подтверждённого расхода добавить действие «В накопления» с подтверждением; у преобразованного перевода — «Вернуть в расходы». В строке отображать `исходный счёт → Накопления` и категорию «Накопления».
+- Исключить системный счёт из выбора счёта выписки и форм expense/income/refund; оставить его доступным в ручной форме transfer и фильтрах.
+
+## 2. Альфа debit: «Копилка для сдачи»
+
+- В `backend/app/imports/adapters/base.py` добавить к канонической `SourceRow` необязательную подсказку решения `savings_transfer`; сохранить её в source record как начальное review decision.
+- В `alfa_xlsx.py` распознавать нормализованную фразу `Перечисление средств в рамках услуги "Копилка для сдачи" со счета <20 цифр> на счет <20 цифр>`, проверять, что счёт-источник совпадает с номером счёта в заголовке выписки, и применять правило только к исходящей posted-строке. Не хардкодить пользовательские номера `408...`/`306...`; они служат контрактным примером, а не конфигурацией одного пользователя.
+- Поднять `ALFA_DEBIT_XLSX_VERSION`, так как канонический результат парсинга меняется.
+- Добавить решение `savings_transfer` в import DTO/UI как «Перевод в накопления». Оно не использует `DedupCandidate` и не смешивается с существующим решением `transfer`, которое объединяет две банковские стороны.
+- При confirm для `savings_transfer` создавать перевод со счёта привязанной выписки на системный счёт накоплений, назначать системную категорию и обычный source link. До подтверждения пользователь может сменить решение на `create` или `discard`.
+- Сохранить атомарные confirm/revert и provenance: отмена импорта удаляет созданный перевод; повторный parse даёт то же решение; существующая дедупликация по external id продолжает выигрывать у создания дубля.
+- Контрактные тесты покрывают точное совпадение, пробелы/регистр/кавычки, несовпавший source account, входящую строку, HOLD и похожее описание без полного шаблона. Использовать только sanitized synthetic fixture.
+
+## 3. Управление категориями
+
+### Backend-контракт
+
+- Оставить `GET /budget/categories?month=` для месячных вычисленных значений и добавить отдельный каталог определений `GET /budget/category-definitions?includeArchived=true`.
+- Каталог возвращает `id`, literal `name` либо чистый `nameKey` без префикса `category.`, `kind`, `systemKey`, `linkedAccountId`, `archived`.
+- `POST /budget/categories` возвращает полный definition DTO, trim-ит имя и создаёт только `monthly | savings_envelope`.
+- Добавить `PATCH /budget/category-definitions/{id}` с optional `name` и `archived`. Системные категории отклоняют оба изменения; `archived=false` восстанавливает пользовательскую категорию.
+- Архивирование запрещает новые назначения/обеспечение/категоризацию, но не удаляет историю. Расчёт бюджета обязан продолжать учитывать архивную категорию, если в выбранном периоде есть plan/funding/operations, чтобы расходы не исчезали из totals.
+- Унифицировать сериализацию `name/nameKey` в budgeting, ledger и analytics; frontend должен получать `savings`, а не `category.savings`.
+
+### Дизайн и вёрстка
+
+- В секции категорий `BudgetPage` сделать заголовок с действием «Управлять категориями». Не добавлять новый пункт глобальной навигации.
+- Использовать существующий drawer/modal visual language. Верхняя часть: компактная форма «Название + тип + Создать». Ниже: вкладки «Активные / Архив», плотный список с badge типа и inline-действиями rename/archive/restore.
+- Системные «Накопления» и резервы кредиток отмечать badge «Системная»; вместо действий показывать короткое объяснение защиты.
+- Пустое состояние должно вести к созданию первой категории, а не предлагать только копирование прошлого месяца.
+- На mobile drawer занимает viewport, действия не зависят от hover, все inputs имеют labels, confirm archive получает фокус и возвращает его инициатору.
+- Добавить API methods, TanStack mutations, точечную invalidation `budget/operations/analytics`, success/error toasts и RU/EN parity.
+
+## 4. Понятные и устранимые блокировки
+
+### Контракт и представление
+
+- Сделать `BudgetBlocker` discriminated union для известных кодов и данных: `count` для импортов/HOLD/расходов, `categories` для отрицательных конвертов. Машинный код остаётся в API и диагностике, но не является пользовательским текстом.
+- Вынести общий frontend-компонент/formatter для `BudgetPage` и `OverviewPage`; отказаться от динамического lookup, который при несовпадении показывает raw enum.
+- Показать отдельные строки причин с count и CTA:
+  - `IMPORTS_UNRESOLVED`: «Не завершены импорты выписок: N» → очередь разбора;
+  - `IMPORT_UNRESOLVED_HOLDS`: «Неподтверждённые операции без решения: N» → импорт(ы) с HOLD;
+  - `BUDGET_UNCATEGORIZED_EXPENSES`: «Расходы без категории: N» → очередь разбора выбранного месяца;
+  - `BUDGET_NEGATIVE_ENVELOPE`: перечислить категории → секция категорий.
+- Передавать выбранный месяц в ссылке `/review?month=YYYY-MM`; ReviewQueue использует его для date filters и категорий, а не всегда `currentMonth()`.
+
+### Разрешение HOLD на frontend
+
+- Расширить import summary агрегированным `unresolvedHoldCount`, с optional month filter для ReviewQueue, чтобы confirmed-импорты с HOLD не исчезали из списка работ.
+- Расширить `ImportRow` полями `bankStatus` и `holdResolution`. Для HOLD не показывать обычный select решения.
+- В confirmed import для нерешённого HOLD показать два действия существующего endpoint: «Операция списалась» (`confirm_as_posted`) и «Операция отменена» (`discard_as_cancelled`). Оба открывают modal с обязательной причиной; первый использует mapped account документа.
+- После разрешения инвалидировать import detail/list, operations, accounts, budget и review queue. Закрытый месяц возвращает понятную ошибку о необходимости reopen.
+
+## Отказы и граничные случаи
+
+- Любая команда проверяет пространство, активность счетов, статус операции и открытость периода до изменения проводок.
+- Нельзя получить отрицательный target balance накоплений; нулевая корректировка отклоняется как no-op.
+- Повторное создание системных ресурсов идемпотентно; конфликт/дубликат системного ключа приводит к явной ошибке, а не выбору случайной записи.
+- Неизвестный blocker получает нейтральный локализованный fallback и логируемый code, но raw enum не показывается вместо сообщения.
+- Авто-правило «Копилки» fails closed: при неполном совпадении остаётся обычный расход, который пользователь может вручную отправить в накопления.
+- Архивированные категории недоступны новым операциям, но продолжают отображаться в истории и участвовать в уже созданных фактах.
+
+## Проверка
+
+1. Backend domain/property tests: две проводки savings-transfer суммируются в ноль; adjustment имеет одну signed posting; convert/revert восстанавливает тип, категорию, баланс и provenance; closed period и cross-space операции отклоняются.
+2. Migration tests/manual check: upgrade существующей БД создаёт ровно одну пару на пространство; fresh install не дублирует её; пользовательские одноимённые записи не захватываются.
+3. Budget tests: перевод в накопления уменьшает pool и увеличивает system envelope; обратный перевод делает обратное; adjustment не меняет pool/cash-flow; archived history не исчезает; blockers содержат корректные counts.
+4. Import tests: Alfa parser contract и parser version, confirm/revert, idempotency/dedup, HOLD и near-miss cases.
+5. API tests: CSRF для новых mutations, OpenAPI critical paths, system-resource protection, category archive/restore и HOLD resolution.
+6. Frontend Vitest: account adjustment modal, expense convert/revert, category manager CRUD/archive, blocker text/count/links для RU/EN, month-aware ReviewQueue и HOLD modal.
+7. Обновить `frontend/openapi.local.json` и `frontend/src/api/generated/schema.d.ts`, затем выполнить `make backend-check`, `make frontend-check` и полный `make check`.
+8. По обязательному дизайн-процессу сверить реализацию с выбранными слоями в `design.pen`, затем со скиллом `impeccable` проверить в браузере desktop/mobile: Budget category drawer, Accounts adjustment, Operations actions, Budget/Overview blocker panel, ReviewQueue и confirmed ImportDetail; проверить keyboard flow, responsive states и отсутствие console errors.
+9. После исходных изменений выполнить `graphify update .`.
+
+## Вне этого края
+
+- Несколько системных счетов накоплений, цели со сроком/суммой, иерархия или split категорий.
+- Автоматические правила для банкоматов, P2P, криптовалют и произвольных описаний; для них остаётся ручная разметка расхода.
+- Преобразование income/refund в перевод и универсальный редактор типа любой операции.
+- Пересчёт или автоматическая мутация уже закрытой истории без явного reopen.

backend/alembic/versions/20260922_0003_savings_system.py

@@ -0,0 +1,194 @@
+"""Savings system resources, adjustments and reversible conversions."""
+
+import uuid
+
+import sqlalchemy as sa
+
+from alembic import op
+
+revision = "0003"
+down_revision = "0002"
+branch_labels = None
+depends_on = None
+
+OLD_ACCOUNT_KINDS = "kind IN ('cash', 'debit', 'credit')"
+NEW_ACCOUNT_KINDS = "kind IN ('cash', 'debit', 'credit', 'savings')"
+OLD_OPERATION_TYPES = "type IN ('expense', 'income', 'transfer', 'refund')"
+NEW_OPERATION_TYPES = "type IN ('expense', 'income', 'transfer', 'refund', 'adjustment')"
+
+
+def _has_column(bind, table: str, column: str) -> bool:
+    inspector = sa.inspect(bind)
+    return column in {item["name"] for item in inspector.get_columns(table)}
+
+
+def _check_constraints(bind, table: str) -> list[dict]:
+    inspector = sa.inspect(bind)
+    return inspector.get_check_constraints(table)
+
+
+def _has_unique_constraint(bind, table: str, name: str) -> bool:
+    inspector = sa.inspect(bind)
+    return any(
+        (item.get("name") or "") == name for item in inspector.get_unique_constraints(table)
+    )
+
+
+def _normalized_sqltext(expression: str) -> str:
+    return "".join(expression.lower().split()).strip("()")
+
+
+def _replace_check_constraint(bind, table: str, bare_name: str, expression: str) -> None:
+    """Swap a check constraint for a new value list, dialect-safely.
+
+    Fresh databases already carry the new constraint from revision 0001's
+    metadata materialization, so an exact (normalized) expression match is a
+    no-op. Otherwise the constraint is dropped and recreated by bare name and
+    the metadata naming convention expands it (batch mode re-applies the
+    ``ck_%(table_name)s_%(constraint_name)s`` template).
+    """
+    wanted = _normalized_sqltext(expression)
+    existing = next(
+        (
+            item
+            for item in _check_constraints(bind, table)
+            if (item.get("name") or "").endswith(bare_name)
+        ),
+        None,
+    )
+    if existing is not None and _normalized_sqltext(existing.get("sqltext") or "") == wanted:
+        return
+    with op.batch_alter_table(table) as batch_op:
+        if existing is not None:
+            batch_op.drop_constraint(bare_name, type_="check")
+        batch_op.create_check_constraint(bare_name, expression)
+
+
+def _space_ids(bind) -> list[str]:
+    return [str(row[0]) for row in bind.execute(sa.text("SELECT id FROM financial_spaces"))]
+
+
+def _has_row(bind, query: str) -> bool:
+    return bind.execute(sa.text(query)).first() is not None
+
+
+def upgrade() -> None:
+    bind = op.get_bind()
+    # Revision 0001 materializes the schema from live model metadata, so a
+    # database created fresh already carries these objects; guard every step.
+    if not _has_column(bind, "accounts", "system_key"):
+        op.add_column("accounts", sa.Column("system_key", sa.String(length=64), nullable=True))
+    if not _has_unique_constraint(bind, "accounts", "uq_accounts_space_system_key"):
+        with op.batch_alter_table("accounts") as batch_op:
+            batch_op.create_unique_constraint(
+                "uq_accounts_space_system_key", ["space_id", "system_key"]
+            )
+    _replace_check_constraint(bind, "accounts", "kind_valid", NEW_ACCOUNT_KINDS)
+
+    if not _has_column(bind, "operations", "converted_from_expense"):
+        op.add_column(
+            "operations",
+            sa.Column(
+                "converted_from_expense",
+                sa.Boolean(),
+                nullable=False,
+                server_default=sa.false(),
+            ),
+        )
+    if not _has_column(bind, "operations", "previous_category_id"):
+        op.add_column(
+            "operations", sa.Column("previous_category_id", sa.Uuid(), nullable=True)
+        )
+    _replace_check_constraint(bind, "operations", "type_valid", NEW_OPERATION_TYPES)
+
+    if not _has_unique_constraint(bind, "categories", "uq_categories_system_pair"):
+        with op.batch_alter_table("categories") as batch_op:
+            batch_op.create_unique_constraint(
+                "uq_categories_system_pair",
+                ["space_id", "system_key", "linked_account_id"],
+            )
+
+    # One system savings account + envelope per existing space. Fresh installs
+    # have no spaces at migration time and get the pair at space creation.
+    from sqlalchemy.orm import Session
+
+    from app.db.session import set_space_context
+    from app.ledger.savings import ensure_savings_resources
+
+    session = Session(bind=bind)
+    try:
+        for space_id in _space_ids(bind):
+            set_space_context(session, space_id)
+            ensure_savings_resources(session, space_id=uuid.UUID(hex=space_id))
+        session.flush()
+    finally:
+        session.close()
+
+
+def downgrade() -> None:
+    bind = op.get_bind()
+    inspector = sa.inspect(bind)
+    # Refuse before any mutation when 0002 cannot represent the current data.
+    # This prevents SQLite batch DDL from leaving a partially downgraded schema.
+    if inspector.has_table("accounts"):
+        incompatible_queries = {
+            "adjustment operations": "SELECT 1 FROM operations WHERE type = 'adjustment' LIMIT 1",
+            "converted expenses": (
+                "SELECT 1 FROM operations WHERE converted_from_expense = true LIMIT 1"
+            ),
+            "savings account operations": (
+                "SELECT 1 FROM operations o JOIN accounts a "
+                "ON a.id = o.account_id OR a.id = o.counter_account_id "
+                "WHERE a.system_key = 'savings' LIMIT 1"
+            ),
+            "savings account postings": (
+                "SELECT 1 FROM postings p JOIN accounts a ON a.id = p.account_id "
+                "WHERE a.system_key = 'savings' LIMIT 1"
+            ),
+            "savings category operations": (
+                "SELECT 1 FROM operations o JOIN categories c ON c.id = o.category_id "
+                "WHERE c.system_key = 'savings' LIMIT 1"
+            ),
+            "savings category funding": (
+                "SELECT 1 FROM funding_movements f JOIN categories c ON c.id = f.category_id "
+                "WHERE c.system_key = 'savings' LIMIT 1"
+            ),
+            "savings category plans": (
+                "SELECT 1 FROM plan_assignments p JOIN categories c ON c.id = p.category_id "
+                "WHERE c.system_key = 'savings' LIMIT 1"
+            ),
+            "non-system savings accounts": (
+                "SELECT 1 FROM accounts WHERE kind = 'savings' "
+                "AND (system_key IS NULL OR system_key <> 'savings') LIMIT 1"
+            ),
+        }
+        blocked_by = [
+            label for label, query in incompatible_queries.items() if _has_row(bind, query)
+        ]
+        if blocked_by:
+            raise RuntimeError(
+                "Cannot downgrade savings migration while incompatible data exists: "
+                + ", ".join(blocked_by)
+            )
+
+        # The preflight proved these system resources have no dependent history.
+        bind.execute(
+            sa.text("DELETE FROM categories WHERE system_key = 'savings'")
+        )
+        bind.execute(
+            sa.text("DELETE FROM accounts WHERE system_key = 'savings'")
+        )
+    if _has_unique_constraint(bind, "categories", "uq_categories_system_pair"):
+        with op.batch_alter_table("categories") as batch_op:
+            batch_op.drop_constraint("uq_categories_system_pair", type_="unique")
+    _replace_check_constraint(bind, "operations", "type_valid", OLD_OPERATION_TYPES)
+    if _has_column(bind, "operations", "previous_category_id"):
+        op.drop_column("operations", "previous_category_id")
+    if _has_column(bind, "operations", "converted_from_expense"):
+        op.drop_column("operations", "converted_from_expense")
+    _replace_check_constraint(bind, "accounts", "kind_valid", OLD_ACCOUNT_KINDS)
+    if _has_unique_constraint(bind, "accounts", "uq_accounts_space_system_key"):
+        with op.batch_alter_table("accounts") as batch_op:
+            batch_op.drop_constraint("uq_accounts_space_system_key", type_="unique")
+    if _has_column(bind, "accounts", "system_key"):
+        op.drop_column("accounts", "system_key")

backend/app/analytics/router.py

@@ -22,8 +22,8 @@ def category_spend(
     return [
         {
             "categoryId": row["category_id"],
-            "name": row["category"] if not row["category"].startswith("category.") else None,
+            "name": row["name"],
-            "nameKey": row["category"] if row["category"].startswith("category.") else None,
+            "nameKey": row["name_key"],
             "amountKopecks": row["amount_kopecks"],
         }
         for row in rows
@@ -75,8 +75,8 @@ def plan_fact(month: str, db: Db, context: Context) -> dict:
         "items": [
             {
                 "categoryId": row["category_id"],
-                "name": row["name"] if not str(row["name"]).startswith("category.") else None,
+                "name": row.get("name"),
-                "nameKey": row["name"] if str(row["name"]).startswith("category.") else None,
+                "nameKey": row.get("name_key"),
                 "plannedKopecks": row["planned"],
                 "actualKopecks": row["spent"],
             }

backend/app/analytics/service.py

@@ -7,7 +7,7 @@ from sqlalchemy.orm import Session
 
 from app.budgeting.models import PeriodClosure
 from app.budgeting.service import compute_period_state, get_or_create_period
-from app.categorization.service import resolve_category_name
+from app.categorization.service import resolve_category_name, resolve_category_name_key
 from app.ledger.models import Account, Category, Operation
 from app.ledger.service import account_balance
 
@@ -40,16 +40,21 @@ def category_spend(
         )
         totals[expense.category_id] += expense.amount_kopecks - int(refunded or 0)
     categories = {
-        item.id: resolve_category_name(item)
+        item.id: item
         for item in db.query(Category).filter_by(space_id=space_id).all()
     }
     return [
         {
             "category_id": category_id,
-            "category": (
+            "name": (
-                categories.get(category_id, "category.unnamed")
+                resolve_category_name(categories[category_id])
-                if category_id is not None
+                if category_id is not None and category_id in categories
-                else "category.uncategorized"
+                else None
+            ),
+            "name_key": (
+                resolve_category_name_key(categories[category_id])
+                if category_id is not None and category_id in categories
+                else "uncategorized"
             ),
             "amount_kopecks": amount,
         }
@@ -66,7 +71,7 @@ def cash_flow(db: Session, *, space_id: uuid.UUID, date_from: date, date_to: dat
     totals: dict[tuple[date, str], int] = defaultdict(int)
     for operation in operations:
         effective = operation.posted_on or operation.occurred_on
-        if not date_from <= effective <= date_to or operation.type == "transfer":
+        if not date_from <= effective <= date_to or operation.type in {"transfer", "adjustment"}:
             continue
         signed = (
             operation.amount_kopecks

backend/app/budgeting/router.py

@@ -1,11 +1,12 @@
 import uuid
 from datetime import date
-from typing import Literal
+from typing import Annotated, Literal
 
-from fastapi import APIRouter
+from fastapi import APIRouter, Query
 from pydantic import BaseModel, Field
 
 from app.budgeting import service
+from app.categorization import service as categorization
 from app.dependencies import Context, Csrf, Db
 
 router = APIRouter(prefix="/budget", tags=["budget"])
@@ -117,35 +118,78 @@ def categories(month: str, db: Db, context: Context) -> list[dict]:
     year, month_number = parse_month(month)
     period = period_for(db, context, year, month_number)
     state = service.compute_period_state(db, space_id=context.space.id, period=period)
-    rows = state["monthly_categories"] + [
+    rows = state["monthly_categories"] + state["envelopes"]
-        {
-            "category_id": row["category_id"],
-            "name": row["name"],
-            "planned": 0,
-            "funded": row["funded_total"],
-            "spent": row["funded_total"] - row["available"],
-            "available": row["available"],
-        }
-        for row in state["envelopes"]
-    ]
     category_by_id = {
-        str(item.id): item for item in service.list_categories(db, space_id=context.space.id)
+        str(item.id): item
+        for item in service.list_categories(db, space_id=context.space.id, include_archived=True)
     }
-    return [
+    result = []
-        {
+    for row in rows:
-            "id": row["category_id"],
+        category = category_by_id[row["category_id"]]
-            "name": row["name"] if not str(row["name"]).startswith("category.") else None,
+        result.append(
-            "nameKey": row["name"] if str(row["name"]).startswith("category.") else None,
+            {
-            "kind": category_by_id[row["category_id"]].kind,
+                "id": row["category_id"],
-            "archived": False,
+                "name": row["name"],
-            "creditAccountId": category_by_id[row["category_id"]].linked_account_id,
+                "nameKey": row["name_key"],
-            "plannedKopecks": row["planned"],
+                "kind": category.kind,
-            "fundedKopecks": row["funded"],
+                "system": row["system"],
-            "spentKopecks": row["spent"],
+                "archived": category.archived,
-            "availableKopecks": row["available"],
+                "creditAccountId": category.linked_account_id,
-        }
+                "plannedKopecks": row["planned"],
-        for row in rows
+                "fundedKopecks": row["funded"],
-    ]
+                "spentKopecks": row["spent"],
+                "availableKopecks": row["available"],
+            }
+        )
+    return result
+
+
+def category_definition_json(category) -> dict:
+    return {
+        "id": category.id,
+        "name": categorization.resolve_category_name(category),
+        "nameKey": categorization.resolve_category_name_key(category),
+        "kind": category.kind,
+        "systemKey": category.system_key,
+        "linkedAccountId": category.linked_account_id,
+        "archived": category.archived,
+    }
+
+
+@router.get("/category-definitions")
+def category_definitions(
+    db: Db,
+    context: Context,
+    include_archived: Annotated[bool, Query(alias="includeArchived")] = False,
+) -> list[dict]:
+    items = service.list_categories(
+        db, space_id=context.space.id, include_archived=include_archived
+    )
+    return [category_definition_json(item) for item in items]
+
+
+class CategoryDefinitionPatchBody(BaseModel):
+    name: str | None = Field(default=None, min_length=1, max_length=200)
+    archived: bool | None = None
+
+
+@router.patch("/category-definitions/{category_id}")
+def patch_category_definition(
+    category_id: uuid.UUID,
+    body: CategoryDefinitionPatchBody,
+    db: Db,
+    context: Context,
+    _csrf: Csrf,
+) -> dict:
+    category = service.update_category_definition(
+        db,
+        space_id=context.space.id,
+        user=context.user,
+        category_id=category_id,
+        name=body.name,
+        archived=body.archived,
+    )
+    return category_definition_json(category)
 
 
 @router.post("/categories", status_code=201)
@@ -157,7 +201,7 @@ def create_category(body: CategoryBody, db: Db, context: Context, _csrf: Csrf) -
         kind=body.kind,
         name=body.name,
     )
-    return {"id": category.id, "kind": category.kind, "name": body.name}
+    return category_definition_json(category)
 
 
 @router.patch("/categories/{category_id}")

backend/app/budgeting/service.py

@@ -19,7 +19,7 @@ from app.budgeting.models import (
 from app.categorization.service import resolve_category_name
 from app.errors import bad_request, conflict, not_found
 from app.identity.models import User
-from app.ledger.models import Account, Category, Operation
+from app.ledger.models import Account, Category, Operation, Posting
 from app.ledger.service import ensure_period_open_for_date as _ledger_guard  # noqa: F401
 
 
@@ -96,8 +96,6 @@ def _closure_snapshot(db: Session, *, space_id: uuid.UUID, year: int, month: int
 
 
 def _balance_until(db: Session, account: Account, end: date) -> int:
-    from app.ledger.models import Posting
-
     total = (
         db.query(func.coalesce(func.sum(Posting.amount_kopecks), 0))
         .join(Operation, Operation.id == Posting.operation_id)
@@ -125,6 +123,10 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
     - a refund on a credit card reduces debt and releases any surplus reserve;
     - a same-period refund restores the parent purchase's category; a refund on
       an uncategorized expense restores the pool;
+    - transfers into the system savings envelope are carved out of the pool as
+      its backing; transfers back out return to the pool;
+    - adjustments reconcile a stored balance through one signed posting and are
+      excluded from income/expense totals, category spend and cash flow;
     - monthly categories fold their residual into the pool at close; savings
       envelopes and credit reserves persist via all-time/ snapshot carries.
     """
@@ -132,7 +134,10 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
 
     accounts = db.query(Account).filter_by(space_id=space_id).all()
     account_by_id = {a.id: a for a in accounts}
-    categories = db.query(Category).filter_by(space_id=space_id, archived=False).all()
+    savings_account = next((a for a in accounts if a.system_key == "savings"), None)
+    # Archived categories stay in the computation: any plan/funding/operations
+    # history in the selected period must keep affecting totals.
+    categories = db.query(Category).filter_by(space_id=space_id).all()
 
     ops = (
         db.query(Operation)
@@ -155,6 +160,9 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
     payments_by_account: dict[Any, int] = defaultdict(int)
     refunds_to_credit_by_account: dict[Any, int] = defaultdict(int)
     refund_back_uncategorized_period = 0
+    # Net transfers into the system savings envelope for this month (+ into,
+    # - back out). Adjustments are excluded from every flow aggregate.
+    savings_net_period = 0
 
     for op in ops:
         if op.type == "income":
@@ -177,6 +185,11 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
             )
             if counter is not None and counter.kind == "credit":
                 payments_by_account[counter.id] += op.amount_kopecks
+            source = account_by_id.get(op.account_id)
+            if counter is not None and counter.system_key == "savings":
+                savings_net_period += op.amount_kopecks
+            if source is not None and source.system_key == "savings":
+                savings_net_period -= op.amount_kopecks
         elif op.type == "refund":
             parent_account = account_by_id.get(op.account_id)
             parent = db.get(Operation, op.parent_operation_id) if op.parent_operation_id else None
@@ -224,7 +237,7 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
 
     # All-time envelope consumption up to period end.
     for cat in categories:
-        if cat.kind != "savings_envelope":
+        if cat.kind != "savings_envelope" or cat.system_key == "savings":
             continue
         consumed = (
             db.query(func.coalesce(func.sum(Operation.amount_kopecks), 0))
@@ -323,6 +336,7 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
         - (payments_total - releases_payment_total)
         + surplus_release_total
         - funding_total
+        - savings_net_period
     )
 
     monthly_rows: list[dict[str, Any]] = []
@@ -336,22 +350,65 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
             {
                 "category_id": str(cat.id),
                 "name": resolve_category_name(cat),
+                "name_key": cat.system_key,
+                "archived": cat.archived,
                 "planned": 0,
                 "funded": funded_period[cat.id],
                 "spent": monthly_consumption[cat.id],
                 "available": available,
             }
         )
+    # All-time net transfer movement into the system savings account (+ in, - out).
+    savings_net_all_time = 0
+    if savings_account is not None:
+        savings_net_all_time = int(
+            db.query(func.coalesce(func.sum(Posting.amount_kopecks), 0))
+            .join(Operation, Operation.id == Posting.operation_id)
+            .filter(
+                Posting.account_id == savings_account.id,
+                Operation.status == "confirmed",
+                Operation.type == "transfer",
+            )
+            .scalar()
+            or 0
+        )
+
     envelope_rows: list[dict[str, Any]] = []
     for cat in categories:
         if cat.kind != "savings_envelope" or cat.system_key == "credit_reserve":
             continue
+        if cat.system_key == "savings":
+            # System savings envelope: funded shows the net transfer movement of
+            # the selected month, spent is always zero and available tracks the
+            # linked account balance at month end (adjustments included).
+            available = _balance_until(db, savings_account, end) if savings_account else 0
+            envelope_rows.append(
+                {
+                    "category_id": str(cat.id),
+                    "name": resolve_category_name(cat),
+                    "name_key": cat.system_key,
+                    "archived": cat.archived,
+                    "system": True,
+                    "funded_total": savings_net_all_time,
+                    "planned": 0,
+                    "funded": savings_net_period,
+                    "spent": 0,
+                    "available": available,
+                }
+            )
+            continue
         available = funded_all_time[cat.id] - envelope_consumption_total[cat.id]
         envelope_rows.append(
             {
                 "category_id": str(cat.id),
                 "name": resolve_category_name(cat),
+                "name_key": cat.system_key,
+                "archived": cat.archived,
+                "system": cat.system_key is not None,
                 "funded_total": funded_all_time[cat.id],
+                "planned": 0,
+                "funded": funded_period[cat.id],
+                "spent": funded_all_time[cat.id] - available,
                 "available": available,
             }
         )
@@ -376,7 +433,11 @@ def compute_period_state(db: Session, *, space_id: uuid.UUID, period: BudgetPeri
         matched_by_expected[m.expected_income_id] += m.amount_kopecks
 
     uncategorized_count = sum(1 for op in ops if op.type == "expense" and op.category_id is None)
-    negative_envelopes = [str(row["name"]) for row in envelope_rows if int(row["available"]) < 0]
+    negative_envelopes = [
+        str(row["name"] or row["name_key"] or row["category_id"])
+        for row in envelope_rows
+        if int(row["available"]) < 0
+    ]
 
     warnings = []
     if planned_total > carry_pool + expected_total:
@@ -508,7 +569,10 @@ def create_category(
 ) -> Category:
     if kind not in ("monthly", "savings_envelope"):
         raise bad_request("BUDGET_CATEGORY_KIND_INVALID", "Unknown category kind")
-    category = Category(space_id=space_id, kind=kind, custom_name=name)
+    trimmed = name.strip()
+    if not trimmed:
+        raise bad_request("BUDGET_CATEGORY_NAME_REQUIRED", "Category name is required")
+    category = Category(space_id=space_id, kind=kind, custom_name=trimmed[:200])
     db.add(category)
     db.flush()
     audit.record(
@@ -554,7 +618,7 @@ def archive_category(
     db: Session, *, space_id: uuid.UUID, user: User, category_id: uuid.UUID
 ) -> Category:
     category = get_category(db, space_id=space_id, category_id=category_id)
-    if category.system_key == "credit_reserve":
+    if category.system_key is not None:
         raise conflict("BUDGET_CATEGORY_SYSTEM", "System categories cannot be archived")
     category.archived = True
     audit.record(
@@ -567,21 +631,41 @@ def archive_category(
     return category
 
 
-def rename_category(
+def update_category_definition(
-    db: Session, *, space_id: uuid.UUID, user: User, category_id: uuid.UUID, name: str
+    db: Session,
+    *,
+    space_id: uuid.UUID,
+    user: User,
+    category_id: uuid.UUID,
+    name: str | None = None,
+    archived: bool | None = None,
 ) -> Category:
+    """Rename and/or archive/restore one user category definition.
+
+    System categories reject both changes; ``archived=False`` restores an
+    archived user category. History (plans, funding, operations) is preserved.
+    """
     category = get_category(db, space_id=space_id, category_id=category_id)
     if category.system_key is not None:
-        category.name_override = name
+        raise conflict("BUDGET_CATEGORY_SYSTEM", "System categories cannot be renamed or archived")
-    else:
+    changes: dict[str, bool | str] = {}
-        category.custom_name = name
+    if name is not None:
-    audit.record(
+        trimmed = name.strip()
-        db,
+        if not trimmed:
-        event_type="category.renamed",
+            raise bad_request("BUDGET_CATEGORY_NAME_REQUIRED", "Category name is required")
-        space_id=space_id,
+        category.custom_name = trimmed[:200]
-        user_id=user.id,
+        changes["renamed"] = True
-        detail={"category_id": str(category.id)},
+    if archived is not None:
-    )
+        category.archived = archived
+        changes["archived"] = archived
+    if changes:
+        audit.record(
+            db,
+            event_type="category.updated",
+            space_id=space_id,
+            user_id=user.id,
+            detail={"category_id": str(category.id), **changes},
+        )
     return category
 
 
@@ -597,6 +681,8 @@ def set_assignments(
     result = []
     for item in items:
         category = get_category(db, space_id=space_id, category_id=item["category_id"])
+        if category.system_key is not None:
+            raise conflict("BUDGET_CATEGORY_SYSTEM", "System categories cannot be planned")
         if category.archived:
             raise conflict("BUDGET_CATEGORY_ARCHIVED", "Category is archived")
         planned = item["planned_kopecks"]
@@ -713,7 +799,11 @@ def fund(
         raise bad_request("BUDGET_FUNDING_KIND_INVALID", "Unknown funding kind")
     if amount_kopecks <= 0:
         raise bad_request("MONEY_AMOUNT_MUST_BE_POSITIVE", "Amount must be positive")
-    get_category(db, space_id=space_id, category_id=category_id)
+    category = get_category(db, space_id=space_id, category_id=category_id)
+    if category.system_key is not None:
+        raise conflict("BUDGET_CATEGORY_SYSTEM", "System categories cannot be funded")
+    if category.archived:
+        raise conflict("BUDGET_CATEGORY_ARCHIVED", "Category is archived")
     movement = FundingMovement(
         space_id=space_id,
         period_id=period.id,

backend/app/categorization/service.py

@@ -5,15 +5,22 @@ from app.errors import conflict, not_found
 from app.ledger.models import Category
 
 
-def resolve_category_name(category: Category) -> str:
+def resolve_category_name(category: Category) -> str | None:
-    """Standard categories resolve to a translation key; overrides/customs are literal."""
+    """Literal display name, or None when the name localizes via the system key.
+
+    System categories serialize as a pure ``nameKey`` (for example ``savings``),
+    never as a ``category.*`` prefixed string.
+    """
     if category.custom_name is not None:
         return category.custom_name
     if category.name_override is not None:
         return category.name_override
-    if category.system_key is not None:
+    return None
-        return f"category.{category.system_key}"
+
-    return "category.unnamed"
+
+def resolve_category_name_key(category: Category) -> str | None:
+    """Pure localization key for system categories; None for user categories."""
+    return category.system_key
 
 
 def get_income_source(db: Session, *, space_id, income_source_id) -> IncomeSource:

backend/app/imports/adapters/alfa_xlsx.py

@@ -29,6 +29,40 @@ DESCRIPTION_HEADERS = ("описание", "назначение", "коммен
 CATEGORY_HEADERS = ("категория",)
 ACCOUNT_HEADERS = ("номер карты", "номер счёта", "карта")
 
+# Alfa «Копилка для сдачи» round-up service. The rule fails closed: only an
+# exact normalized phrase with a source account equal to the statement account
+# and an outgoing posted row produces the savings_transfer decision hint. The
+# account numbers in the pattern are part of the bank's phrasing contract and
+# are matched against the statement header, never hardcoded per user.
+SAVINGS_SERVICE_RE = re.compile(
+    r"перечисление средств в рамках услуги \"копилка для сдачи\" "
+    r"со счета (\d{20}) на счет (\d{20})"
+)
+
+
+def _savings_rule_text(value: str) -> str:
+    text = value.replace("\u00a0", " ").replace("ё", "е").replace("Ё", "Е").lower()
+    text = re.sub(r"[«»„“”\"']", '"', text)
+    return " ".join(text.split())
+
+
+def detect_savings_transfer(
+    description: str | None,
+    *,
+    direction: str,
+    bank_status: str,
+    statement_account: str,
+) -> bool:
+    if direction != DIRECTION_OUT or bank_status != BANK_STATUS_POSTED or not description:
+        return False
+    match = SAVINGS_SERVICE_RE.search(_savings_rule_text(description))
+    if match is None:
+        return False
+    statement_digits = re.sub(r"\D", "", statement_account or "")
+    if not statement_digits:
+        return False
+    return match.group(1) == statement_digits
+
 
 class AlfaXlsxAdapterBase:
     """Alfa statement contract: XLSX with a header row and bank marker 'Альфа'."""
@@ -277,7 +311,9 @@ class AlfaDebitXlsxAdapter:
         header_idx, columns = _debit_find_header(self, rows)
         meta = _debit_header_metadata(self, rows, header_idx)
         period_start, period_end = _debit_statement_period(self, rows, header_idx)
-        parsed = _debit_operation_rows(self, rows, header_idx, columns)
+        parsed = _debit_operation_rows(
+            self, rows, header_idx, columns, statement_account=meta["account"]
+        )
         if not parsed:
             raise UnsupportedStatementLayout("no operation rows found in Alfa statement")
         return StatementDraft(
@@ -413,6 +449,7 @@ def _debit_operation_rows(
     rows: list[tuple],
     header_idx: int,
     columns: dict[str, int],
+    statement_account: str = "",
 ) -> list[SourceRow]:
     parsed: list[SourceRow] = []
     separated_from_operations = False
@@ -475,6 +512,12 @@ def _debit_operation_rows(
                 row_ref=f"sheet0:row{offset}",
                 warnings=tuple(warnings),
                 bank_status=bank_status,
+                savings_transfer=detect_savings_transfer(
+                    description,
+                    direction=direction,
+                    bank_status=bank_status,
+                    statement_account=statement_account,
+                ),
             )
         )
         separated_from_operations = False

backend/app/imports/adapters/base.py

@@ -16,7 +16,7 @@ BANK_STATUSES = (BANK_STATUS_POSTED, BANK_STATUS_HOLD)
 PARSER_VERSION = "1"
 # Per-contract versions: bumped for the rewritten evidenced contracts so old
 # parse runs can never be confused with the new canonical output.
-ALFA_DEBIT_XLSX_VERSION = "2"
+ALFA_DEBIT_XLSX_VERSION = "3"
 OZON_DEBIT_PDF_VERSION = "2"
 ROCKETBANK_DEBIT_PDF_VERSION = "2"
 
@@ -35,6 +35,7 @@ class SourceRow:
     row_ref: str
     warnings: tuple[str, ...] = ()
     bank_status: str = BANK_STATUS_POSTED
+    savings_transfer: bool = False
 
     def __post_init__(self) -> None:
         if self.amount_kopecks < 0:

backend/app/imports/router.py

@@ -1,7 +1,7 @@
 import uuid
 from typing import Annotated, Any
 
-from fastapi import APIRouter, File, Form, UploadFile
+from fastapi import APIRouter, File, Form, Query, UploadFile
 from pydantic import BaseModel, ConfigDict, Field
 
 from app.dependencies import Context, Csrf, Db
@@ -41,7 +41,7 @@ class HoldResolveBody(BaseModel):
     account_id: uuid.UUID | None = Field(default=None, alias="accountId")
 
 
-def summary(document: Any) -> dict:
+def summary(document: Any, *, unresolved_hold_count: int = 0) -> dict:
     return {
         "id": document.id,
         "fileName": document.original_filename,
@@ -52,14 +52,33 @@ def summary(document: Any) -> dict:
         "periodFrom": None,
         "periodTo": None,
         "needsAccountMapping": document.needs_account_mapping,
+        "unresolvedHoldCount": unresolved_hold_count,
         "errorCode": document.error_code,
         "createdAt": document.created_at,
     }
 
 
 @router.get("")
-def imports(db: Db, context: Context) -> list[dict]:
+def imports(
-    return [summary(item) for item in service.list_documents(db, space_id=context.space.id)]
+    db: Db,
+    context: Context,
+    month: Annotated[str | None, Query()] = None,
+) -> list[dict]:
+    month_filter = service.parse_month_filter(month)
+    documents = service.list_documents(db, space_id=context.space.id)
+    hold_counts = service.unresolved_hold_counts(
+        db,
+        space_id=context.space.id,
+        document_ids=[item.id for item in documents],
+        month=month_filter,
+    )
+    result = []
+    for item in documents:
+        hold_count = hold_counts.get(item.id, 0)
+        if month_filter is not None and item.status == "confirmed" and hold_count == 0:
+            continue
+        result.append(summary(item, unresolved_hold_count=hold_count))
+    return result
 
 
 @router.post("", status_code=202)
@@ -106,7 +125,12 @@ async def upload(
 def detail(document_id: uuid.UUID, db: Db, context: Context) -> dict:
     raw = service.document_detail(db, space_id=context.space.id, document_id=document_id)
     document = service._document(db, space_id=context.space.id, document_id=document_id)
-    base = summary(document)
+    base = summary(
+        document,
+        unresolved_hold_count=len(
+            service.unresolved_holds(db, space_id=context.space.id, document=document)
+        ),
+    )
     reconciliation = raw.get("reconciliation") or {}
     rows = []
     pending_candidate_row_ids: set[uuid.UUID] = set()
@@ -204,6 +228,7 @@ def detail(document_id: uuid.UUID, db: Db, context: Context) -> dict:
             "discard": sum(row["decision"] == "discard" for row in rows),
             "duplicate": sum(row["decision"] == "duplicate" for row in rows),
             "transfer": sum(row["decision"] == "transfer" for row in rows),
+            "savingsTransfer": sum(row["decision"] == "savings_transfer" for row in rows),
             "pending": sum(row["decision"] == "pending" for row in rows),
         },
     }
@@ -217,7 +242,12 @@ def review(document_id: uuid.UUID, body: ReviewBody, db: Db, context: Context, _
         document_id=document_id,
         **body.model_dump(),
     )
-    return summary(document)
+    return summary(
+        document,
+        unresolved_hold_count=len(
+            service.unresolved_holds(db, space_id=context.space.id, document=document)
+        ),
+    )
 
 
 @router.patch("/{document_id}/rows/{row_id}")

backend/app/imports/service.py

@@ -5,6 +5,7 @@ from datetime import date, timedelta
 from pathlib import Path
 from typing import Any
 
+from sqlalchemy import func
 from sqlalchemy.orm import Session
 
 from app.audit import service as audit
@@ -164,6 +165,7 @@ def _source_from_row(
             or row.direction not in {"in", "out"}
         ),
         record_fp=record_fingerprint(row.occurred_on, abs(row.amount_kopecks), row.description),
+        review_decision="savings_transfer" if row.savings_transfer else "create",
     )
 
 
@@ -522,6 +524,72 @@ def list_documents(db: Session, *, space_id: uuid.UUID) -> list[StatementDocumen
     )
 
 
+def unresolved_holds(
+    db: Session, *, space_id: uuid.UUID, document: StatementDocument
+) -> list[SourceRecord]:
+    """Unresolved HOLD rows of the document's active parse run."""
+    if not document.active_parse_run_id:
+        return []
+    return (
+        db.query(SourceRecord)
+        .outerjoin(HoldResolution, HoldResolution.hold_source_record_id == SourceRecord.id)
+        .filter(
+            SourceRecord.space_id == space_id,
+            SourceRecord.parse_run_id == document.active_parse_run_id,
+            SourceRecord.bank_status == "hold",
+            HoldResolution.id.is_(None),
+        )
+        .all()
+    )
+
+
+def unresolved_hold_counts(
+    db: Session,
+    *,
+    space_id: uuid.UUID,
+    document_ids: list[uuid.UUID],
+    month: tuple[int, int] | None = None,
+) -> dict[uuid.UUID, int]:
+    """Count unresolved HOLD rows for active parse runs in one query."""
+
+    if not document_ids:
+        return {}
+    query = (
+        db.query(StatementDocument.id, func.count(SourceRecord.id))
+        .join(
+            SourceRecord,
+            (SourceRecord.document_id == StatementDocument.id)
+            & (SourceRecord.parse_run_id == StatementDocument.active_parse_run_id),
+        )
+        .outerjoin(HoldResolution, HoldResolution.hold_source_record_id == SourceRecord.id)
+        .filter(
+            StatementDocument.space_id == space_id,
+            StatementDocument.id.in_(document_ids),
+            SourceRecord.bank_status == "hold",
+            HoldResolution.id.is_(None),
+        )
+    )
+    if month is not None:
+        year, month_number = month
+        start = date(year, month_number, 1)
+        end = date(year + 1, 1, 1) if month_number == 12 else date(year, month_number + 1, 1)
+        query = query.filter(SourceRecord.occurred_on >= start, SourceRecord.occurred_on < end)
+    return {document_id: count for document_id, count in query.group_by(StatementDocument.id)}
+
+
+def parse_month_filter(value: str | None) -> tuple[int, int] | None:
+    if value is None:
+        return None
+    try:
+        year_text, month_text = value.split("-", 1)
+        year, month = int(year_text), int(month_text)
+    except (ValueError, AttributeError) as exc:
+        raise bad_request("IMPORT_MONTH_INVALID", "Month filter must use YYYY-MM") from exc
+    if not 1 <= month <= 12 or year < 2000:
+        raise bad_request("IMPORT_MONTH_INVALID", "Month filter must use YYYY-MM")
+    return year, month
+
+
 def document_detail(db: Session, *, space_id: uuid.UUID, document_id: uuid.UUID) -> dict:
     document = _document(db, space_id=space_id, document_id=document_id)
     records = []
@@ -622,8 +690,17 @@ def decide_source_record(
     )
     if source is None:
         raise not_found("IMPORT_SOURCE_RECORD_NOT_FOUND", "Import row not found")
-    if decision not in {"create", "discard", "duplicate", "transfer"}:
+    if decision not in {"create", "discard", "duplicate", "transfer", "savings_transfer"}:
         raise conflict("IMPORT_DECISION_INVALID", "Unsupported row decision")
+    if source.bank_status == "hold" and decision != "discard":
+        raise conflict("IMPORT_DECISION_INVALID", "HOLD rows are resolved via hold resolution")
+    if decision == "savings_transfer" and (
+        source.bank_status != "posted" or source.direction != "out"
+    ):
+        raise conflict(
+            "IMPORT_DECISION_INVALID",
+            "Only posted outflows can be transferred to savings",
+        )
     candidates = db.query(DedupCandidate).filter_by(source_record_id=source.id).all()
     matching = [item for item in candidates if item.candidate_kind == decision]
     if decision == "duplicate" and duplicate_operation_id is None and len(matching) == 1:
@@ -684,6 +761,11 @@ def set_review_confirmation(
     account = db.query(Account).filter_by(id=account_id, space_id=space_id).one_or_none()
     if account is None:
         raise not_found("LEDGER_ACCOUNT_NOT_FOUND", "Account not found")
+    if account.system_key is not None:
+        raise conflict(
+            "IMPORT_SYSTEM_ACCOUNT_INVALID",
+            "System accounts cannot be used as statement accounts",
+        )
     if confirmed_without_full_reconciliation and not reason:
         raise conflict("IMPORT_RECONCILIATION_REASON_REQUIRED", "A confirmation reason is required")
     document.account_id = account.id
@@ -988,6 +1070,39 @@ def confirm_document(
                 ]
             )
             continue
+        if source.review_decision == "savings_transfer":
+            from app.ledger.savings import ensure_savings_resources
+
+            savings_account, _savings_category = ensure_savings_resources(
+                db, space_id=space_id
+            )
+            if document.account_id == savings_account.id:
+                raise conflict(
+                    "IMPORT_SAVINGS_SOURCE_INVALID",
+                    "The mapped statement account cannot be the savings account itself",
+                )
+            assert source.occurred_on is not None
+            operation = create_transfer(
+                db,
+                space_id=space_id,
+                user=user,
+                source_account_id=document.account_id,
+                target_account_id=savings_account.id,
+                amount_kopecks=source.amount_kopecks,
+                occurred_on=source.occurred_on,
+                posted_on=source.posted_on,
+                description=source.description,
+                request_key=f"import-savings:{source.id}",
+            )
+            db.add(
+                SourceRecordLink(
+                    space_id=space_id,
+                    source_record_id=source.id,
+                    operation_id=operation.id,
+                    kind="created",
+                )
+            )
+            continue
         if source.review_decision == "duplicate" and source.duplicate_operation_id:
             duplicate_operation = (
                 db.query(Operation)

backend/app/ledger/models.py

@@ -17,9 +17,9 @@ from sqlalchemy.orm import Mapped, mapped_column
 
 from app.db.base import Base, PkMixin, TimestampMixin
 
-ACCOUNT_KINDS = ("cash", "debit", "credit")
+ACCOUNT_KINDS = ("cash", "debit", "credit", "savings")
 ACCOUNT_STATUSES = ("active", "archived")
-OPERATION_TYPES = ("expense", "income", "transfer", "refund")
+OPERATION_TYPES = ("expense", "income", "transfer", "refund", "adjustment")
 OPERATION_STATUSES = ("confirmed", "voided")
 
 
@@ -28,10 +28,13 @@ class Account(Base, PkMixin, TimestampMixin):
 
     __tablename__ = "accounts"
     __table_args__ = (
-        CheckConstraint("kind IN ('cash', 'debit', 'credit')", name="kind_valid"),
+        CheckConstraint(
+            "kind IN ('cash', 'debit', 'credit', 'savings')", name="kind_valid"
+        ),
         CheckConstraint("status IN ('active', 'archived')", name="status_valid"),
         CheckConstraint("currency = 'RUB'", name="currency_rub_only"),
         UniqueConstraint("space_id", "id", name="uq_accounts_space_id"),
+        UniqueConstraint("space_id", "system_key", name="uq_accounts_space_system_key"),
     )
 
     space_id: Mapped[uuid.UUID] = mapped_column(
@@ -45,6 +48,7 @@ class Account(Base, PkMixin, TimestampMixin):
     bank_code: Mapped[str | None] = mapped_column(String(32), nullable=True)
     masked_identifier: Mapped[str | None] = mapped_column(String(32), nullable=True)
     fingerprint: Mapped[str | None] = mapped_column(String(128), nullable=True)
+    system_key: Mapped[str | None] = mapped_column(String(64), nullable=True)
     status: Mapped[str] = mapped_column(String(16), nullable=False, default="active")
     version: Mapped[int] = mapped_column(Integer, nullable=False, default=1)
 
@@ -56,7 +60,10 @@ class Operation(Base, PkMixin, TimestampMixin):
 
     __tablename__ = "operations"
     __table_args__ = (
-        CheckConstraint("type IN ('expense', 'income', 'transfer', 'refund')", name="type_valid"),
+        CheckConstraint(
+            "type IN ('expense', 'income', 'transfer', 'refund', 'adjustment')",
+            name="type_valid",
+        ),
         CheckConstraint("status IN ('confirmed', 'voided')", name="status_valid"),
         CheckConstraint("amount_kopecks > 0", name="amount_positive"),
         CheckConstraint(
@@ -114,6 +121,8 @@ class Operation(Base, PkMixin, TimestampMixin):
     description: Mapped[str | None] = mapped_column(String(500), nullable=True)
     void_reason: Mapped[str | None] = mapped_column(String(500), nullable=True)
     request_key: Mapped[str | None] = mapped_column(String(120), nullable=True)
+    converted_from_expense: Mapped[bool] = mapped_column(Boolean, nullable=False, default=False)
+    previous_category_id: Mapped[uuid.UUID | None] = mapped_column(Uuid, nullable=True)
     created_by_user_id: Mapped[uuid.UUID | None] = mapped_column(
         Uuid, ForeignKey("users.id", ondelete="SET NULL"), nullable=True
     )
@@ -168,6 +177,9 @@ class Category(Base, PkMixin, TimestampMixin):
             name="fk_categories_linked_account_tenant",
         ),
         UniqueConstraint("space_id", "id", name="uq_categories_space_id"),
+        UniqueConstraint(
+            "space_id", "system_key", "linked_account_id", name="uq_categories_system_pair"
+        ),
     )
 
     space_id: Mapped[uuid.UUID] = mapped_column(

backend/app/ledger/router.py

@@ -52,6 +52,14 @@ class OperationPatchBody(BaseModel):
     category_id: uuid.UUID | None = Field(default=None, alias="categoryId")
 
 
+class AdjustBalanceBody(BaseModel):
+    model_config = ConfigDict(populate_by_name=True)
+
+    target_balance_kopecks: int = Field(ge=0, alias="targetBalanceKopecks")
+    occurred_on: date = Field(alias="occurredOn")
+    reason: str = Field(min_length=1, max_length=500)
+
+
 def account_json(db: Db, account: Any) -> dict:
     return {
         "id": account.id,
@@ -62,6 +70,8 @@ def account_json(db: Db, account: Any) -> dict:
         "openedOn": account.opened_on,
         "bankCode": account.bank_code,
         "maskedNumber": account.masked_identifier,
+        "systemKey": account.system_key,
+        "nameKey": f"account.{account.system_key}" if account.system_key else None,
         "status": account.status,
         "balanceKopecks": service.account_balance(db, account),
         "version": account.version,
@@ -91,6 +101,7 @@ def operation_json(db: Db, operation: Any) -> dict:
         "postedOn": operation.posted_on,
         "description": operation.description,
         "voidReason": operation.void_reason,
+        "convertedFromExpense": operation.converted_from_expense,
         "version": operation.version,
         "createdAt": operation.created_at,
     }
@@ -276,3 +287,46 @@ def patch_operation(
         category_id=body.category_id,
     )
     return operation_json(db, operation)
+
+
+@router.post("/accounts/{account_id}/adjust-balance")
+def adjust_balance(
+    account_id: uuid.UUID, body: AdjustBalanceBody, db: Db, context: Context, _csrf: Csrf
+) -> dict:
+    from app.ledger import savings
+
+    operation, old_balance, new_balance = savings.adjust_balance(
+        db,
+        space_id=context.space.id,
+        user=context.user,
+        account_id=account_id,
+        target_balance_kopecks=body.target_balance_kopecks,
+        occurred_on=body.occurred_on,
+        reason=body.reason,
+    )
+    payload = operation_json(db, operation)
+    payload["oldBalanceKopecks"] = old_balance
+    payload["newBalanceKopecks"] = new_balance
+    return payload
+
+
+@router.post("/operations/{operation_id}/savings-transfer")
+def savings_transfer(operation_id: uuid.UUID, db: Db, context: Context, _csrf: Csrf) -> dict:
+    from app.ledger import savings
+
+    operation = savings.convert_expense_to_savings(
+        db, space_id=context.space.id, user=context.user, operation_id=operation_id
+    )
+    return operation_json(db, operation)
+
+
+@router.post("/operations/{operation_id}/savings-transfer/revert")
+def savings_transfer_revert(
+    operation_id: uuid.UUID, db: Db, context: Context, _csrf: Csrf
+) -> dict:
+    from app.ledger import savings
+
+    operation = savings.revert_savings_conversion(
+        db, space_id=context.space.id, user=context.user, operation_id=operation_id
+    )
+    return operation_json(db, operation)

backend/app/ledger/savings.py

@@ -0,0 +1,334 @@
+"""System savings account/envelope, balance adjustments and reversible conversions.
+
+The savings "convert" identity is defined exclusively by ``system_key``:
+user-created accounts or categories that merely share the name «Накопления»
+are never captured. Every command is tenant-scoped, period-guarded and
+audited; balances stay derived (postings only, never stored mutations).
+"""
+
+import uuid
+from datetime import date
+
+from sqlalchemy.orm import Session
+
+from app.audit import service as audit
+from app.errors import bad_request, conflict, not_found
+from app.identity.models import User
+from app.ledger.models import Account, Category, Operation, Posting
+
+SAVINGS_SYSTEM_KEY = "savings"
+SAVINGS_ACCOUNT_NAME = "Накопления"
+
+
+def get_savings_account(db: Session, *, space_id: uuid.UUID) -> Account | None:
+    return (
+        db.query(Account)
+        .filter_by(space_id=space_id, system_key=SAVINGS_SYSTEM_KEY)
+        .one_or_none()
+    )
+
+
+def _savings_category(db: Session, *, space_id: uuid.UUID) -> Category | None:
+    return (
+        db.query(Category)
+        .filter_by(space_id=space_id, system_key=SAVINGS_SYSTEM_KEY)
+        .one_or_none()
+    )
+
+
+def ensure_savings_resources(db: Session, *, space_id: uuid.UUID) -> tuple[Account, Category]:
+    """Idempotently return the single system savings account and its envelope.
+
+    Any duplicate or inconsistent system pair is an explicit conflict, never a
+    random pick: identity is keyed by ``system_key`` only.
+    """
+    accounts = db.query(Account).filter_by(space_id=space_id, system_key=SAVINGS_SYSTEM_KEY).all()
+    if len(accounts) > 1:
+        raise conflict(
+            "LEDGER_SAVINGS_CONFLICT",
+            "Multiple system savings accounts exist in this space",
+        )
+    account: Account | None = accounts[0] if accounts else None
+    created = False
+    if account is None:
+        account = Account(
+            space_id=space_id,
+            name=SAVINGS_ACCOUNT_NAME,
+            kind="savings",
+            system_key=SAVINGS_SYSTEM_KEY,
+            opened_on=date.today(),
+            opening_amount_kopecks=0,
+        )
+        db.add(account)
+        db.flush()
+        created = True
+    categories = (
+        db.query(Category).filter_by(space_id=space_id, system_key=SAVINGS_SYSTEM_KEY).all()
+    )
+    if len(categories) > 1:
+        raise conflict(
+            "LEDGER_SAVINGS_CONFLICT",
+            "Multiple system savings categories exist in this space",
+        )
+    category: Category | None = categories[0] if categories else None
+    if category is not None and category.linked_account_id != account.id:
+        raise conflict(
+            "LEDGER_SAVINGS_CONFLICT",
+            "System savings category is linked to a different account",
+        )
+    if category is None:
+        category = Category(
+            space_id=space_id,
+            kind="savings_envelope",
+            system_key=SAVINGS_SYSTEM_KEY,
+            linked_account_id=account.id,
+        )
+        db.add(category)
+        db.flush()
+        created = True
+    if created:
+        audit.record(
+            db,
+            event_type="savings.resources_ensured",
+            space_id=space_id,
+            detail={
+                "account_id": str(account.id),
+                "category_id": str(category.id),
+            },
+        )
+    return account, category
+
+
+def transfer_category_for_accounts(
+    db: Session, *, space_id: uuid.UUID, source: Account, target: Account
+) -> Category | None:
+    """System category for a manual transfer touching the savings account."""
+    if SAVINGS_SYSTEM_KEY not in {source.system_key, target.system_key}:
+        return None
+    _, category = ensure_savings_resources(db, space_id=space_id)
+    return category
+
+
+def adjust_balance(
+    db: Session,
+    *,
+    space_id: uuid.UUID,
+    user: User,
+    account_id: uuid.UUID,
+    target_balance_kopecks: int,
+    occurred_on: date,
+    reason: str,
+) -> tuple[Operation, int, int]:
+    """Reconcile a derived balance with reality via one audited adjustment.
+
+    The operation carries one signed posting for the delta; ``amount_kopecks``
+    stays positive and the sign lives in the posting. Adjustments never touch
+    income/expense totals, category spend, cash flow or the budget pool.
+    """
+    if not reason.strip():
+        raise bad_request("LEDGER_ADJUST_REASON_REQUIRED", "An adjustment reason is required")
+    account = (
+        db.query(Account)
+        .filter_by(id=account_id, space_id=space_id)
+        .with_for_update()
+        .one_or_none()
+    )
+    if account is None:
+        raise not_found("LEDGER_ACCOUNT_NOT_FOUND", "Account not found")
+    if account.status != "active":
+        raise conflict("LEDGER_ACCOUNT_ARCHIVED", "Account is archived")
+    if account.kind == "credit":
+        raise conflict(
+            "LEDGER_ADJUST_CREDIT_UNSUPPORTED",
+            "Credit account balances cannot be adjusted with a non-negative target",
+        )
+    if target_balance_kopecks < 0:
+        raise bad_request(
+            "LEDGER_ADJUST_TARGET_NEGATIVE", "Target balance cannot be negative"
+        )
+    from app.ledger.service import account_balance, ensure_period_open_for_date
+
+    ensure_period_open_for_date(db, space_id=space_id, day=occurred_on)
+    old_balance = account_balance(db, account)
+    delta = target_balance_kopecks - old_balance
+    if delta == 0:
+        raise conflict(
+            "LEDGER_ADJUST_NOOP",
+            "Balance already equals the target; nothing to adjust",
+            details={"balance_kopecks": old_balance},
+        )
+    operation = Operation(
+        space_id=space_id,
+        type="adjustment",
+        amount_kopecks=abs(delta),
+        account_id=account.id,
+        occurred_on=occurred_on,
+        description=reason.strip(),
+        created_by_user_id=user.id,
+    )
+    db.add(operation)
+    db.flush()
+    db.add(
+        Posting(
+            space_id=space_id,
+            operation_id=operation.id,
+            account_id=account.id,
+            amount_kopecks=delta,
+        )
+    )
+    audit.record(
+        db,
+        event_type="account.balance_adjusted",
+        space_id=space_id,
+        user_id=user.id,
+        detail={
+            "account_id": str(account.id),
+            "operation_id": str(operation.id),
+            "old_balance_kopecks": old_balance,
+            "new_balance_kopecks": target_balance_kopecks,
+            "delta_kopecks": delta,
+            "reason": reason.strip(),
+        },
+    )
+    return operation, old_balance, target_balance_kopecks
+
+
+def convert_expense_to_savings(
+    db: Session, *, space_id: uuid.UUID, user: User, operation_id: uuid.UUID
+) -> Operation:
+    """Turn a confirmed expense into a transfer into the system savings account.
+
+    Keeps the original negative posting plus description, payee, request key
+    and import provenance; adds one positive posting on the savings account and
+    remembers the previous category for exact reversion.
+    """
+    operation = (
+        db.query(Operation)
+        .filter_by(id=operation_id, space_id=space_id)
+        .with_for_update()
+        .one_or_none()
+    )
+    if operation is None:
+        raise not_found("LEDGER_OPERATION_NOT_FOUND", "Operation not found")
+    if operation.status != "confirmed":
+        raise conflict(
+            "LEDGER_SAVINGS_CONVERT_INVALID",
+            "Only confirmed operations can be converted",
+        )
+    if operation.type != "expense":
+        raise conflict(
+            "LEDGER_SAVINGS_CONVERT_INVALID",
+            "Only expenses can be converted into savings transfers",
+        )
+    if operation.converted_from_expense:
+        raise conflict(
+            "LEDGER_SAVINGS_CONVERT_INVALID",
+            "Operation is already a savings transfer",
+        )
+    source_account = (
+        db.query(Account).filter_by(id=operation.account_id, space_id=space_id).one_or_none()
+    )
+    if source_account is None:
+        raise not_found("LEDGER_ACCOUNT_NOT_FOUND", "Account not found")
+    if source_account.system_key is not None:
+        raise conflict(
+            "LEDGER_SAVINGS_CONVERT_INVALID",
+            "Operations on system accounts cannot be converted",
+        )
+    confirmed_refund = (
+        db.query(Operation.id)
+        .filter_by(
+            space_id=space_id,
+            parent_operation_id=operation.id,
+            type="refund",
+            status="confirmed",
+        )
+        .first()
+    )
+    if confirmed_refund is not None:
+        raise conflict(
+            "LEDGER_SAVINGS_CONVERT_HAS_REFUNDS",
+            "Expenses with confirmed refunds cannot be converted into savings transfers",
+        )
+    from app.ledger.service import ensure_period_open_for_date
+
+    ensure_period_open_for_date(db, space_id=space_id, day=operation.occurred_on)
+    savings_account, savings_category = ensure_savings_resources(db, space_id=space_id)
+    previous_category_id = operation.category_id
+    operation.previous_category_id = previous_category_id
+    operation.converted_from_expense = True
+    operation.type = "transfer"
+    operation.counter_account_id = savings_account.id
+    operation.category_id = savings_category.id
+    db.add(
+        Posting(
+            space_id=space_id,
+            operation_id=operation.id,
+            account_id=savings_account.id,
+            amount_kopecks=operation.amount_kopecks,
+        )
+    )
+    audit.record(
+        db,
+        event_type="operation.savings_transfer",
+        space_id=space_id,
+        user_id=user.id,
+        detail={
+            "operation_id": str(operation.id),
+            "savings_account_id": str(savings_account.id),
+            "amount_kopecks": operation.amount_kopecks,
+            "previous_category_id": (
+                str(previous_category_id) if previous_category_id else None
+            ),
+        },
+    )
+    return operation
+
+
+def revert_savings_conversion(
+    db: Session, *, space_id: uuid.UUID, user: User, operation_id: uuid.UUID
+) -> Operation:
+    """Undo a marked conversion: restore the expense type, category and postings."""
+    operation = (
+        db.query(Operation)
+        .filter_by(id=operation_id, space_id=space_id)
+        .with_for_update()
+        .one_or_none()
+    )
+    if operation is None:
+        raise not_found("LEDGER_OPERATION_NOT_FOUND", "Operation not found")
+    if operation.status != "confirmed":
+        raise conflict(
+            "LEDGER_SAVINGS_REVERT_INVALID",
+            "Only confirmed operations can be reverted",
+        )
+    if operation.type != "transfer" or not operation.converted_from_expense:
+        raise conflict(
+            "LEDGER_SAVINGS_REVERT_INVALID",
+            "Only converted expenses can be reverted from savings",
+        )
+    from app.ledger.service import ensure_period_open_for_date
+
+    ensure_period_open_for_date(db, space_id=space_id, day=operation.occurred_on)
+    counter_account_id = operation.counter_account_id
+    if counter_account_id is not None:
+        savings_posting = (
+            db.query(Posting)
+            .filter_by(operation_id=operation.id, account_id=counter_account_id)
+            .one_or_none()
+        )
+        if savings_posting is not None:
+            db.delete(savings_posting)
+    operation.type = "expense"
+    operation.counter_account_id = None
+    operation.category_id = operation.previous_category_id
+    operation.converted_from_expense = False
+    operation.previous_category_id = None
+    audit.record(
+        db,
+        event_type="operation.savings_transfer_reverted",
+        space_id=space_id,
+        user_id=user.id,
+        detail={"operation_id": str(operation.id)},
+    )
+    return operation

backend/app/ledger/service.py

@@ -48,6 +48,15 @@ def _require_active_account(db: Session, *, space_id: uuid.UUID, account_id: uui
     return account
 
 
+def _reject_system_account(account: Account) -> None:
+    """System accounts (savings) are journal-internal and never statement-facing."""
+    if account.system_key is not None:
+        raise bad_request(
+            "LEDGER_SYSTEM_ACCOUNT_NOT_EXTERNAL",
+            "System accounts cannot host external income or expense operations",
+        )
+
+
 def _validate_category(db: Session, *, space_id: uuid.UUID, category_id: uuid.UUID | None) -> None:
     if category_id is None:
         return
@@ -58,6 +67,11 @@ def _validate_category(db: Session, *, space_id: uuid.UUID, category_id: uuid.UU
         raise not_found("BUDGET_CATEGORY_NOT_FOUND", "Category not found")
     if category.archived:
         raise conflict("BUDGET_CATEGORY_ARCHIVED", "Category is archived")
+    if category.system_key is not None:
+        raise conflict(
+            "BUDGET_CATEGORY_SYSTEM",
+            "System categories cannot be assigned to regular operations",
+        )
 
 
 def account_balance(db: Session, account: Account) -> int:
@@ -155,6 +169,7 @@ def create_expense(
     if existing is not None:
         return existing
     account = _require_active_account(db, space_id=space_id, account_id=account_id)
+    _reject_system_account(account)
     _validate_category(db, space_id=space_id, category_id=category_id)
     ensure_period_open_for_date(db, space_id=space_id, day=occurred_on)
     operation = Operation(
@@ -210,6 +225,7 @@ def create_income(
     if existing is not None:
         return existing
     account = _require_active_account(db, space_id=space_id, account_id=account_id)
+    _reject_system_account(account)
     if income_source_id is not None:
         categorization.get_income_source(db, space_id=space_id, income_source_id=income_source_id)
     ensure_period_open_for_date(db, space_id=space_id, day=occurred_on)
@@ -268,12 +284,16 @@ def create_transfer(
     source = _require_active_account(db, space_id=space_id, account_id=source_account_id)
     target = _require_active_account(db, space_id=space_id, account_id=target_account_id)
     ensure_period_open_for_date(db, space_id=space_id, day=occurred_on)
+    from app.ledger.savings import transfer_category_for_accounts
+
+    category = transfer_category_for_accounts(db, space_id=space_id, source=source, target=target)
     operation = Operation(
         space_id=space_id,
         type="transfer",
         amount_kopecks=amount_kopecks,
         account_id=source.id,
         counter_account_id=target.id,
+        category_id=category.id if category is not None else None,
         occurred_on=occurred_on,
         posted_on=posted_on,
         description=description,
@@ -463,6 +483,8 @@ def archive_account(
     db: Session, *, space_id: uuid.UUID, user: User, account_id: uuid.UUID
 ) -> Account:
     account = get_account(db, space_id=space_id, account_id=account_id)
+    if account.system_key is not None:
+        raise conflict("LEDGER_ACCOUNT_SYSTEM", "System accounts cannot be archived")
     if account.status == "archived":
         return account
     if account_balance(db, account) != 0:
@@ -483,6 +505,8 @@ def archive_account(
 
 def delete_account(db: Session, *, space_id: uuid.UUID, user: User, account_id: uuid.UUID) -> None:
     account = get_account(db, space_id=space_id, account_id=account_id)
+    if account.system_key is not None:
+        raise conflict("LEDGER_ACCOUNT_SYSTEM", "System accounts cannot be deleted")
     used = (
         db.query(Operation.id)
         .filter((Operation.account_id == account.id) | (Operation.counter_account_id == account.id))

backend/app/spaces/service.py

@@ -15,6 +15,9 @@ def create_space(db: Session, *, user: User, name: str) -> FinancialSpace:
     db.flush()
     set_space_context(db, space.id)
     db.add(Membership(space_id=space.id, user_id=user.id, role="owner"))
+    from app.ledger.savings import ensure_savings_resources
+
+    ensure_savings_resources(db, space_id=space.id)
     audit.record(db, event_type="space.created", space_id=space.id, user_id=user.id)
     return space
 

backend/tests/test_adapter_contracts.py

@@ -14,7 +14,11 @@ from openpyxl import Workbook
 from app.errors import AppError
 from app.imports.adapters import ADAPTERS, detect_adapter, magic_kind
 from app.imports.adapters import alfa_xlsx as alfa_module
-from app.imports.adapters.alfa_xlsx import AlfaCreditXlsxAdapter, AlfaDebitXlsxAdapter
+from app.imports.adapters.alfa_xlsx import (
+    AlfaCreditXlsxAdapter,
+    AlfaDebitXlsxAdapter,
+    detect_savings_transfer,
+)
 from app.imports.adapters.base import (
     ALFA_DEBIT_XLSX_VERSION,
     BANK_STATUS_HOLD,
@@ -89,7 +93,7 @@ class TestBaseContract:
 
     def test_per_contract_parser_versions(self) -> None:
         assert PARSER_VERSION == "1"
-        assert ALFA_DEBIT_XLSX_VERSION == "2"
+        assert ALFA_DEBIT_XLSX_VERSION == "3"
         assert OZON_DEBIT_PDF_VERSION == "2"
         assert ROCKETBANK_DEBIT_PDF_VERSION == "2"
         assert AlfaDebitXlsxAdapter.parser_version == ALFA_DEBIT_XLSX_VERSION
@@ -472,6 +476,122 @@ class TestAlfaDebitContract:
         assert "quota" in exc.value.message
 
 
+class TestAlfaSavingsRule:
+    """«Копилка для сдачи» contract: exact normalized phrase, statement-side
+    source account, outgoing posted rows only. Every input is synthetic."""
+
+    STATEMENT_ACCOUNT = "00000000000000000001"
+    SERVICE_ACCOUNT = "00000000000000000306"
+    PHRASE = (
+        'Перечисление средств в рамках услуги "Копилка для сдачи" '
+        "со счета {source} на счет {target}"
+    )
+
+    def rule(
+        self,
+        description: str | None,
+        *,
+        direction: str = "out",
+        bank_status: str = "posted",
+        statement_account: str = STATEMENT_ACCOUNT,
+    ) -> bool:
+        return detect_savings_transfer(
+            description,
+            direction=direction,
+            bank_status=bank_status,
+            statement_account=statement_account,
+        )
+
+    def test_exact_phrase_matches(self) -> None:
+        assert self.rule(
+            self.PHRASE.format(source=self.STATEMENT_ACCOUNT, target=self.SERVICE_ACCOUNT)
+        )
+
+    def test_spaces_case_and_quotes_are_normalized(self) -> None:
+        noisy = (
+            "  Перечисление\u00a0средств  в рамках услуги «КОПИЛКА ДЛЯ СДАЧИ» "
+            f"со   счёта {self.STATEMENT_ACCOUNT} на счет {self.SERVICE_ACCOUNT}  "
+        )
+        assert self.rule(noisy)
+
+    def test_mismatched_source_account_fails_closed(self) -> None:
+        assert not self.rule(
+            self.PHRASE.format(source="00000000000000000099", target=self.SERVICE_ACCOUNT)
+        )
+
+    def test_incoming_row_never_matches(self) -> None:
+        assert not self.rule(
+            self.PHRASE.format(source=self.STATEMENT_ACCOUNT, target=self.SERVICE_ACCOUNT),
+            direction="in",
+        )
+
+    def test_hold_row_never_matches(self) -> None:
+        assert not self.rule(
+            self.PHRASE.format(source=self.STATEMENT_ACCOUNT, target=self.SERVICE_ACCOUNT),
+            bank_status="hold",
+        )
+
+    def test_similar_description_without_full_pattern_fails_closed(self) -> None:
+        assert not self.rule("Копилка для сдачи: пополнение")
+        assert not self.rule(
+            'Перечисление в рамках услуги "Копилка для сдачи" со счета 123 на счет 306'
+        )
+
+    def test_masked_statement_account_fails_closed(self) -> None:
+        assert not self.rule(
+            self.PHRASE.format(source=self.STATEMENT_ACCOUNT, target=self.SERVICE_ACCOUNT),
+            statement_account="0000********0001",
+        )
+
+    def savings_statement_rows(self) -> list[list[object]]:
+        rows = [list(row) for row in synthetic_alfa_rows()]
+        rows[9] = [
+            None, None, None, None, None, None, None, None, None, None,
+            "Расходы", None, "416,90 RUR",
+        ]
+        savings_row = [
+            "03.09.2026",
+            "03.09.2026",
+            None,
+            "000000000000009",
+            "Переводы",
+            None,
+            None,
+            None,
+            None,
+            None,
+            None,
+            self.PHRASE.format(source=self.STATEMENT_ACCOUNT, target=self.SERVICE_ACCOUNT),
+            "-123,45",
+            "Выполнен",
+        ]
+        rows.insert(17, savings_row)
+        return rows
+
+    def test_parse_marks_savings_rows_and_bumps_version(self) -> None:
+        adapter = AlfaDebitXlsxAdapter()
+        raw = alfa_workbook_bytes(self.savings_statement_rows())
+        draft = adapter.parse(raw)
+        assert draft.parser_version == ALFA_DEBIT_XLSX_VERSION
+        by_code = {row.external_id: row for row in draft.rows}
+        assert len(draft.rows) == 6
+        marked = by_code["000000000000009"]
+        assert marked.savings_transfer is True
+        assert marked.direction == "out"
+        assert marked.bank_status == "posted"
+        assert marked.amount_kopecks == 12345
+        assert all(
+            row.savings_transfer is False
+            for code, row in by_code.items()
+            if code != "000000000000009"
+        )
+
+    def test_parse_leaves_plain_expenses_unmarked(self) -> None:
+        adapter = AlfaDebitXlsxAdapter()
+        draft = adapter.parse(alfa_workbook_bytes(synthetic_alfa_rows()))
+        assert all(not row.savings_transfer for row in draft.rows)
+
+
 def ozon_extracted() -> tuple[list[str], list[list[list[object]]]]:
     pages_text = [
         "\n".join(

backend/tests/test_budget_savings.py

@@ -0,0 +1,337 @@
+"""Budget semantics for savings transfers, adjustments and archived history."""
+
+from datetime import date
+from uuid import uuid4
+
+import pytest
+from sqlalchemy.orm import Session
+
+from app.budgeting.service import (
+    compute_period_state,
+    create_category,
+    fund,
+    get_or_create_period,
+    set_assignments,
+)
+from app.errors import AppError
+from app.identity.models import User
+from app.ledger.savings import adjust_balance, ensure_savings_resources
+from app.ledger.service import create_account, create_expense, create_income, create_transfer
+from app.spaces.service import create_space
+
+
+def seed(db: Session):
+    user = User(email=f"{uuid4().hex}@example.com", password_hash="unused")
+    db.add(user)
+    db.flush()
+    space = create_space(db, user=user, name="BudgetSavings")
+    account = create_account(
+        db,
+        space_id=space.id,
+        user=user,
+        name="Debit",
+        kind="debit",
+        opened_on=date(2026, 5, 1),
+        opening_amount_kopecks=1_000_000,
+    )
+    return user, space, account
+
+
+def savings_row(state: dict) -> dict:
+    return next(row for row in state["envelopes"] if row["name_key"] == "savings")
+
+
+def test_transfer_to_savings_moves_pool_into_envelope(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account, _ = ensure_savings_resources(db, space_id=space.id)
+    before = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    assert before["pool"] == 0
+    assert savings_row(before)["available"] == 0
+
+    create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=250_000,
+        occurred_on=date(2026, 5, 10),
+    )
+    after = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    row = savings_row(after)
+    assert after["pool"] == -250_000
+    assert row["funded"] == 250_000
+    assert row["spent"] == 0
+    assert row["available"] == 250_000
+    assert after["income_total"] == 0
+
+
+def test_transfer_back_from_savings_returns_pool(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account, _ = ensure_savings_resources(db, space_id=space.id)
+    create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=250_000,
+        occurred_on=date(2026, 5, 10),
+    )
+    create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=savings_account.id,
+        target_account_id=account.id,
+        amount_kopecks=100_000,
+        occurred_on=date(2026, 5, 12),
+    )
+    state = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    row = savings_row(state)
+    assert state["pool"] == -150_000
+    assert row["funded"] == 150_000
+    assert row["available"] == 150_000
+
+
+def test_adjustment_changes_only_envelope_available_not_pool(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account, _ = ensure_savings_resources(db, space_id=space.id)
+    create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=100_000,
+        occurred_on=date(2026, 5, 3),
+    )
+    adjust_balance(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=savings_account.id,
+        target_balance_kopecks=80_000,
+        occurred_on=date(2026, 5, 20),
+        reason="Процентная корректировка",
+    )
+    state = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    row = savings_row(state)
+    assert row["available"] == 80_000
+    assert row["funded"] == 100_000
+    assert state["income_total"] == 0
+    assert state["pool"] == -100_000
+
+
+def test_adjustment_on_regular_account_keeps_pool_and_totals(db: Session) -> None:
+    user, space, account = seed(db)
+    create_income(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=300_000,
+        occurred_on=date(2026, 5, 2),
+    )
+    adjust_balance(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        target_balance_kopecks=1_000_000,
+        occurred_on=date(2026, 5, 21),
+        reason="Списание банка не отразилось",
+    )
+    state = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    assert state["income_total"] == 300_000
+    # The adjustment reconciles the account but never enters the budget pool.
+    assert state["pool"] == 300_000
+    assert state["uncategorized_expenses"] == 0
+    assert state["monthly_categories"] == []
+
+
+def test_savings_envelope_available_uses_month_end_balance(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account, _ = ensure_savings_resources(db, space_id=space.id)
+    create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=50_000,
+        occurred_on=date(2026, 5, 28),
+    )
+    # A transfer in a later month must not affect the May envelope view.
+    create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=70_000,
+        occurred_on=date(2026, 6, 2),
+    )
+    may = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    june = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=6),
+    )
+    assert savings_row(may)["available"] == 50_000
+    assert savings_row(may)["funded"] == 50_000
+    assert savings_row(june)["available"] == 120_000
+    assert savings_row(june)["funded"] == 70_000
+
+
+def test_archived_category_history_stays_in_totals(db: Session) -> None:
+    user, space, account = seed(db)
+    category = create_category(db, space_id=space.id, user=user, kind="monthly", name="Transport")
+    set_assignments(
+        db,
+        space_id=space.id,
+        user=user,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+        items=[{"category_id": category.id, "planned_kopecks": 20_000}],
+    )
+    create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=5_000,
+        occurred_on=date(2026, 5, 6),
+        category_id=category.id,
+    )
+    category.archived = True
+    db.flush()
+    state = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    rows = [row for row in state["monthly_categories"] if row["category_id"] == str(category.id)]
+    assert len(rows) == 1
+    row = rows[0]
+    assert row["archived"] is True
+    assert row["spent"] == 5_000
+    assert row["planned"] == 20_000
+    # An archived category refuses new assignments...
+    try:
+        set_assignments(
+            db,
+            space_id=space.id,
+            user=user,
+            period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+            items=[{"category_id": category.id, "planned_kopecks": 1}],
+        )
+        raise AssertionError("archived assignment must fail")
+    except AppError as exc:
+        assert exc.code == "BUDGET_CATEGORY_ARCHIVED"
+    # ...but its history still counts in the funding/spent totals.
+    summary_funded = sum(row["funded"] for row in state["monthly_categories"])
+    assert summary_funded == 0
+
+
+def test_system_category_rejects_planning_funding_and_regular_expense(db: Session) -> None:
+    user, space, account = seed(db)
+    _, savings_category = ensure_savings_resources(db, space_id=space.id)
+    period = get_or_create_period(db, space_id=space.id, year=2026, month=5)
+
+    with pytest.raises(AppError) as exc:
+        set_assignments(
+            db,
+            space_id=space.id,
+            user=user,
+            period=period,
+            items=[{"category_id": savings_category.id, "planned_kopecks": 10_000}],
+        )
+    assert exc.value.code == "BUDGET_CATEGORY_SYSTEM"
+
+    with pytest.raises(AppError) as exc:
+        fund(
+            db,
+            space_id=space.id,
+            user=user,
+            period=period,
+            category_id=savings_category.id,
+            amount_kopecks=10_000,
+            kind="fund",
+        )
+    assert exc.value.code == "BUDGET_CATEGORY_SYSTEM"
+
+    with pytest.raises(AppError) as exc:
+        create_expense(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=account.id,
+            amount_kopecks=10_000,
+            occurred_on=date(2026, 5, 10),
+            category_id=savings_category.id,
+        )
+    assert exc.value.code == "BUDGET_CATEGORY_SYSTEM"
+
+
+def test_archived_category_rejects_new_funding(db: Session) -> None:
+    user, space, _ = seed(db)
+    category = create_category(db, space_id=space.id, user=user, kind="monthly", name="Old")
+    category.archived = True
+    period = get_or_create_period(db, space_id=space.id, year=2026, month=5)
+
+    with pytest.raises(AppError) as exc:
+        fund(
+            db,
+            space_id=space.id,
+            user=user,
+            period=period,
+            category_id=category.id,
+            amount_kopecks=1_000,
+            kind="fund",
+        )
+    assert exc.value.code == "BUDGET_CATEGORY_ARCHIVED"
+
+
+def test_blockers_carry_discriminated_data(db: Session) -> None:
+    user, space, account = seed(db)
+    create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=5_000,
+        occurred_on=date(2026, 5, 6),
+    )
+    state = compute_period_state(
+        db,
+        space_id=space.id,
+        period=get_or_create_period(db, space_id=space.id, year=2026, month=5),
+    )
+    by_code = {blocker["code"]: blocker for blocker in state["close_blockers"]}
+    assert by_code["BUDGET_UNCATEGORIZED_EXPENSES"]["count"] == 1
+    assert "IMPORTS_UNRESOLVED" not in by_code
+    assert "IMPORT_UNRESOLVED_HOLDS" not in by_code

backend/tests/test_category_definitions.py

@@ -0,0 +1,216 @@
+"""HTTP contract for category definitions, system protections and CSRF."""
+
+from fastapi.testclient import TestClient
+
+
+def bootstrap(client: TestClient) -> str:
+    invite = client.post(
+        "/api/v1/admin/invitations",
+        headers={"X-Admin-Token": "test-admin-token"},
+        json={"email": "categories@Example.com"},
+    )
+    assert invite.status_code == 201, invite.text
+    accepted = client.post(
+        "/api/v1/auth/invitations/accept",
+        json={
+            "token": invite.json()["token"],
+            "password": "a-long-password-for-tests",
+            "fullName": "Category Tester",
+            "locale": "en",
+        },
+    )
+    assert accepted.status_code == 201, accepted.text
+    return client.cookies["csrf_token"]
+
+
+def test_space_has_protected_savings_pair(client: TestClient) -> None:
+    csrf = bootstrap(client)
+    accounts = client.get("/api/v1/accounts").json()
+    savings = [item for item in accounts if item["systemKey"] == "savings"]
+    assert len(savings) == 1
+    assert savings[0]["type"] == "savings"
+    assert savings[0]["nameKey"] == "account.savings"
+    assert savings[0]["balanceKopecks"] == 0
+
+    definitions = client.get(
+        "/api/v1/budget/category-definitions", params={"includeArchived": "true"}
+    ).json()
+    savings_definitions = [item for item in definitions if item["systemKey"] == "savings"]
+    assert len(savings_definitions) == 1
+    assert savings_definitions[0]["nameKey"] == "savings"
+    assert savings_definitions[0]["name"] is None
+    assert savings_definitions[0]["archived"] is False
+    assert savings_definitions[0]["kind"] == "savings_envelope"
+    assert savings_definitions[0]["linkedAccountId"] == savings[0]["id"]
+
+    # CSRF is enforced on the new mutation endpoints.
+    denied = client.patch(
+        f"/api/v1/budget/category-definitions/{savings_definitions[0]['id']}",
+        json={"name": "My stash"},
+    )
+    assert denied.status_code == 403
+
+    # System categories reject rename and archive.
+    for payload in ({"name": "My stash"}, {"archived": True}):
+        rejected = client.patch(
+            f"/api/v1/budget/category-definitions/{savings_definitions[0]['id']}",
+            json=payload,
+            headers={"X-CSRF-Token": csrf},
+        )
+        assert rejected.status_code == 409, rejected.text
+
+    # System accounts reject archive and delete.
+    account_id = savings[0]["id"]
+    archive_response = client.post(
+        f"/api/v1/accounts/{account_id}/archive", headers={"X-CSRF-Token": csrf}
+    )
+    assert archive_response.status_code == 409
+    delete_response = client.delete(
+        f"/api/v1/accounts/{account_id}", headers={"X-CSRF-Token": csrf}
+    )
+    assert delete_response.status_code == 409
+
+
+def test_category_lifecycle_create_rename_archive_restore(client: TestClient) -> None:
+    csrf = bootstrap(client)
+    created = client.post(
+        "/api/v1/budget/categories",
+        headers={"X-CSRF-Token": csrf},
+        json={"name": "  Groceries  ", "kind": "monthly"},
+    )
+    assert created.status_code == 201, created.text
+    body = created.json()
+    assert body["name"] == "Groceries"
+    assert body["kind"] == "monthly"
+    assert body["systemKey"] is None
+    assert body["archived"] is False
+    category_id = body["id"]
+
+    renamed = client.patch(
+        f"/api/v1/budget/category-definitions/{category_id}",
+        headers={"X-CSRF-Token": csrf},
+        json={"name": "Food"},
+    )
+    assert renamed.status_code == 200, renamed.text
+    assert renamed.json()["name"] == "Food"
+
+    archived = client.patch(
+        f"/api/v1/budget/category-definitions/{category_id}",
+        headers={"X-CSRF-Token": csrf},
+        json={"archived": True},
+    )
+    assert archived.status_code == 200
+    assert archived.json()["archived"] is True
+
+    active_only = client.get("/api/v1/budget/category-definitions").json()
+    assert all(item["id"] != category_id for item in active_only)
+    with_archived = client.get(
+        "/api/v1/budget/category-definitions", params={"includeArchived": "true"}
+    ).json()
+    assert any(item["id"] == category_id and item["archived"] for item in with_archived)
+
+    restored = client.patch(
+        f"/api/v1/budget/category-definitions/{category_id}",
+        headers={"X-CSRF-Token": csrf},
+        json={"archived": False},
+    )
+    assert restored.status_code == 200
+    assert restored.json()["archived"] is False
+
+    # Empty names are rejected after trim.
+    empty = client.post(
+        "/api/v1/budget/categories",
+        headers={"X-CSRF-Token": csrf},
+        json={"name": "   ", "kind": "monthly"},
+    )
+    assert empty.status_code == 400
+    blank_rename = client.patch(
+        f"/api/v1/budget/category-definitions/{category_id}",
+        headers={"X-CSRF-Token": csrf},
+        json={"name": "   "},
+    )
+    assert blank_rename.status_code == 400
+
+
+def test_openapi_contains_new_contracts(client: TestClient) -> None:
+    bootstrap(client)
+    paths = client.get("/api/v1/openapi.json").json()["paths"]
+    assert "/api/v1/accounts/{account_id}/adjust-balance" in paths
+    assert "/api/v1/operations/{operation_id}/savings-transfer" in paths
+    assert "/api/v1/operations/{operation_id}/savings-transfer/revert" in paths
+    assert "/api/v1/budget/category-definitions" in paths
+    assert "/api/v1/budget/category-definitions/{category_id}" in paths
+    assert "/api/v1/imports/{document_id}/rows/{row_id}/resolve" in paths
+
+
+def test_adjust_and_savings_conversion_http_contracts(client: TestClient) -> None:
+    csrf = bootstrap(client)
+    account = client.post(
+        "/api/v1/accounts",
+        headers={"X-CSRF-Token": csrf},
+        json={
+            "name": "Debit",
+            "type": "debit",
+            "openedOn": "2026-09-01",
+            "openingBalanceKopecks": 100_000,
+        },
+    )
+    assert account.status_code == 201, account.text
+    account_id = account.json()["id"]
+
+    adjustment_body = {
+        "targetBalanceKopecks": 90_000,
+        "occurredOn": "2026-09-10",
+        "reason": "Statement reconciliation",
+    }
+    denied = client.post(
+        f"/api/v1/accounts/{account_id}/adjust-balance", json=adjustment_body
+    )
+    assert denied.status_code == 403
+    adjusted = client.post(
+        f"/api/v1/accounts/{account_id}/adjust-balance",
+        headers={"X-CSRF-Token": csrf},
+        json=adjustment_body,
+    )
+    assert adjusted.status_code == 200, adjusted.text
+    assert adjusted.json()["oldBalanceKopecks"] == 100_000
+    assert adjusted.json()["newBalanceKopecks"] == 90_000
+    assert adjusted.json()["kind"] == "adjustment"
+
+    category = client.post(
+        "/api/v1/budget/categories",
+        headers={"X-CSRF-Token": csrf},
+        json={"name": "Food", "kind": "monthly"},
+    )
+    assert category.status_code == 201, category.text
+    expense = client.post(
+        "/api/v1/operations",
+        headers={"X-CSRF-Token": csrf},
+        json={
+            "kind": "expense",
+            "amountKopecks": 5_000,
+            "accountId": account_id,
+            "categoryId": category.json()["id"],
+            "occurredOn": "2026-09-11",
+        },
+    )
+    assert expense.status_code == 201, expense.text
+    operation_id = expense.json()["id"]
+
+    denied = client.post(f"/api/v1/operations/{operation_id}/savings-transfer")
+    assert denied.status_code == 403
+    converted = client.post(
+        f"/api/v1/operations/{operation_id}/savings-transfer",
+        headers={"X-CSRF-Token": csrf},
+    )
+    assert converted.status_code == 200, converted.text
+    assert converted.json()["kind"] == "transfer"
+    assert converted.json()["convertedFromExpense"] is True
+
+    reverted = client.post(
+        f"/api/v1/operations/{operation_id}/savings-transfer/revert",
+        headers={"X-CSRF-Token": csrf},
+    )
+    assert reverted.status_code == 200, reverted.text
+    assert reverted.json()["kind"] == "expense"
+    assert reverted.json()["convertedFromExpense"] is False

backend/tests/test_import_savings.py

@@ -0,0 +1,386 @@
+"""Import contract for the «Копилка для сдачи» savings_transfer decision."""
+
+import uuid
+from datetime import date
+from types import SimpleNamespace
+
+import pytest
+from sqlalchemy.orm import Session
+
+from app.errors import AppError
+from app.identity.models import User
+from app.imports import router as imports_router
+from app.imports import service
+from app.imports.adapters.alfa_xlsx import detect_savings_transfer
+from app.imports.models import (
+    DedupCandidate,
+    ParseRun,
+    SourceRecord,
+    SourceRecordLink,
+    StatementDocument,
+)
+from app.ledger.models import Operation
+from app.ledger.savings import get_savings_account
+from app.ledger.service import create_account
+from app.spaces.service import create_space
+
+SAVINGS_PHRASE = (
+    'Перечисление средств в рамках услуги "Копилка для сдачи" '
+    "со счета 00000000000000000001 на счет 00000000000000000306"
+)
+
+
+def seed(db: Session):
+    user = User(email=f"{uuid.uuid4().hex}@example.com", password_hash="unused")
+    db.add(user)
+    db.flush()
+    space = create_space(db, user=user, name="ImportSavings")
+    account = create_account(
+        db,
+        space_id=space.id,
+        user=user,
+        name="Alfa Debit",
+        kind="debit",
+        opened_on=date(2026, 1, 1),
+    )
+    return user, space, account
+
+
+def make_document(db: Session, space, account, *, user: User) -> tuple[StatementDocument, ParseRun]:
+    document = StatementDocument(
+        space_id=space.id,
+        account_id=account.id,
+        original_filename=f"{uuid.uuid4().hex}.xlsx",
+        size_bytes=100,
+        content_sha256=uuid.uuid4().hex + uuid.uuid4().hex,
+        object_key=uuid.uuid4().hex,
+        status="ready",
+        reconciliation={"full": True, "matched": True},
+        uploaded_by_user_id=user.id,
+    )
+    db.add(document)
+    db.flush()
+    run = ParseRun(
+        space_id=space.id,
+        document_id=document.id,
+        adapter_id="alfa_debit_xlsx",
+        status="succeeded",
+    )
+    db.add(run)
+    db.flush()
+    document.active_parse_run_id = run.id
+    return document, run
+
+
+def add_record(
+    db: Session,
+    document: StatementDocument,
+    run: ParseRun,
+    *,
+    bank_status: str = "posted",
+    direction: str = "out",
+    external_id: str | None = None,
+    description: str | None = None,
+    occurred_on: date = date(2026, 5, 10),
+) -> SourceRecord:
+    source = SourceRecord(
+        space_id=document.space_id,
+        document_id=document.id,
+        parse_run_id=run.id,
+        external_id=external_id,
+        occurred_on=occurred_on,
+        amount_kopecks=12_345,
+        direction=direction,
+        bank_status=bank_status,
+        description=description,
+        row_ref=f"sheet0:row{uuid.uuid4().int % 1000}",
+        record_fp=uuid.uuid4().hex,
+        review_decision="savings_transfer"
+        if detect_savings_transfer(
+            description,
+            direction=direction,
+            bank_status=bank_status,
+            statement_account="00000000000000000001",
+        )
+        else "create",
+    )
+    db.add(source)
+    db.flush()
+    return source
+
+
+def test_parsed_savings_hint_becomes_initial_review_decision(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    source = add_record(db, document, run, description=SAVINGS_PHRASE)
+    assert source.review_decision == "savings_transfer"
+
+
+def test_confirm_creates_savings_transfer_with_system_category(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    source = add_record(
+        db,
+        document,
+        run,
+        external_id="ALFA-1",
+        description=SAVINGS_PHRASE,
+        occurred_on=date(2026, 5, 10),
+    )
+    assert source.review_decision == "savings_transfer"
+    service.confirm_document(db, space_id=space.id, document_id=document.id, user=user)
+    db.flush()
+
+    savings_account = get_savings_account(db, space_id=space.id)
+    operations = db.query(Operation).filter_by(space_id=space.id).all()
+    assert len(operations) == 1
+    transfer = operations[0]
+    assert transfer.type == "transfer"
+    assert transfer.account_id == account.id
+    assert transfer.counter_account_id == savings_account.id
+    from app.ledger.models import Category
+
+    category = db.get(Category, transfer.category_id)
+    assert category is not None
+    assert category.system_key == "savings"
+    assert transfer.request_key == f"import-savings:{source.id}"
+    assert transfer.description == SAVINGS_PHRASE
+    link = db.query(SourceRecordLink).filter_by(source_record_id=source.id).one()
+    assert link.operation_id == transfer.id
+    assert link.kind == "created"
+    assert document.status == "confirmed"
+
+
+def test_revert_removes_created_savings_transfer(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    add_record(db, document, run, description=SAVINGS_PHRASE)
+    service.confirm_document(db, space_id=space.id, document_id=document.id, user=user)
+    assert db.query(Operation).filter_by(space_id=space.id).count() == 1
+
+    service.revert_document(db, space_id=space.id, document_id=document.id, user=user)
+    db.flush()
+    assert db.query(Operation).filter_by(space_id=space.id).count() == 0
+    assert db.query(SourceRecordLink).filter_by(space_id=space.id).count() == 0
+    assert document.status == "ready"
+    source = (
+        db.query(SourceRecord).filter_by(parse_run_id=document.active_parse_run_id).one()
+    )
+    # Repeated parse gives the same decision: the hint survives revert.
+    assert source.review_decision == "savings_transfer"
+
+
+def test_user_can_switch_savings_decision_to_create(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    source = add_record(db, document, run, description=SAVINGS_PHRASE)
+    service.decide_source_record(
+        db,
+        space_id=space.id,
+        document_id=document.id,
+        source_record_id=source.id,
+        decision="create",
+        duplicate_operation_id=None,
+        user=user,
+    )
+    assert source.review_decision == "create"
+    service.confirm_document(db, space_id=space.id, document_id=document.id, user=user)
+    operations = db.query(Operation).filter_by(space_id=space.id).all()
+    assert len(operations) == 1
+    assert operations[0].type == "expense"
+
+
+def test_user_can_switch_savings_decision_to_discard(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    source = add_record(db, document, run, description=SAVINGS_PHRASE)
+    service.decide_source_record(
+        db,
+        space_id=space.id,
+        document_id=document.id,
+        source_record_id=source.id,
+        decision="discard",
+        duplicate_operation_id=None,
+        user=user,
+    )
+    assert source.review_decision == "discard"
+    service.confirm_document(db, space_id=space.id, document_id=document.id, user=user)
+    assert db.query(Operation).filter_by(space_id=space.id).count() == 0
+
+
+def test_savings_decision_rejects_incoming_rows(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    source = add_record(
+        db,
+        document,
+        run,
+        direction="in",
+        description="Incoming transfer",
+    )
+    with pytest.raises(AppError) as exc:
+        service.decide_source_record(
+            db,
+            space_id=space.id,
+            document_id=document.id,
+            source_record_id=source.id,
+            decision="savings_transfer",
+            duplicate_operation_id=None,
+            user=user,
+        )
+    assert exc.value.code == "IMPORT_DECISION_INVALID"
+
+
+def test_statement_mapping_rejects_system_account(db: Session) -> None:
+    user, space, account = seed(db)
+    document, _run = make_document(db, space, account, user=user)
+    savings_account = get_savings_account(db, space_id=space.id)
+
+    with pytest.raises(AppError) as exc:
+        service.set_review_confirmation(
+            db,
+            space_id=space.id,
+            document_id=document.id,
+            account_id=savings_account.id,
+            confirmed_without_full_reconciliation=True,
+            reason="invalid mapping",
+        )
+    assert exc.value.code == "IMPORT_SYSTEM_ACCOUNT_INVALID"
+
+
+def test_existing_dedup_wins_over_savings_creation(db: Session) -> None:
+    user, space, account = seed(db)
+    first, first_run = make_document(db, space, account, user=user)
+    external_id = "ALFA-DUP-1"
+    first_source = SourceRecord(
+        space_id=space.id,
+        document_id=first.id,
+        parse_run_id=first_run.id,
+        external_id=external_id,
+        occurred_on=date(2026, 5, 3),
+        amount_kopecks=12_345,
+        direction="out",
+        description="Groceries",
+        row_ref="sheet0:row3",
+        record_fp="fp-existing",
+    )
+    db.add(first_source)
+    db.flush()
+    service.confirm_document(db, space_id=space.id, document_id=first.id, user=user)
+    created = db.query(Operation).filter_by(space_id=space.id).one()
+
+    second, second_run = make_document(db, space, account, user=user)
+    duplicate = add_record(
+        db,
+        second,
+        second_run,
+        external_id=external_id,
+        description=SAVINGS_PHRASE,
+        occurred_on=date(2026, 5, 10),
+    )
+    assert service._build_candidates(db, document=second, run=second_run)
+    candidates = db.query(DedupCandidate).filter_by(source_record_id=duplicate.id).all()
+    assert len(candidates) == 1
+    assert candidates[0].candidate_kind == "duplicate"
+    assert candidates[0].existing_operation_id == created.id
+    service.decide_source_record(
+        db,
+        space_id=space.id,
+        document_id=second.id,
+        source_record_id=duplicate.id,
+        decision="duplicate",
+        duplicate_operation_id=created.id,
+        user=user,
+    )
+    service.confirm_document(db, space_id=space.id, document_id=second.id, user=user)
+    db.flush()
+    operations = db.query(Operation).filter_by(space_id=space.id).all()
+    assert len(operations) == 1
+    assert operations[0].id == created.id
+
+
+def test_savings_transfer_on_hold_row_never_matches(db: Session) -> None:
+    assert (
+        detect_savings_transfer(
+            SAVINGS_PHRASE,
+            direction="out",
+            bank_status="hold",
+            statement_account="00000000000000000001",
+        )
+        is False
+    )
+
+
+def test_unresolved_hold_counts_and_month_filter(db: Session) -> None:
+    user, space, account = seed(db)
+    document, run = make_document(db, space, account, user=user)
+    add_record(
+        db,
+        document,
+        run,
+        bank_status="hold",
+        description="Coffee shop",
+        occurred_on=date(2026, 5, 10),
+    )
+    add_record(
+        db,
+        document,
+        run,
+        bank_status="hold",
+        description="Train ticket",
+        occurred_on=date(2026, 6, 1),
+    )
+    resolved = add_record(
+        db,
+        document,
+        run,
+        bank_status="hold",
+        description="Resolved one",
+        occurred_on=date(2026, 5, 12),
+    )
+    db.add(
+        service.HoldResolution(
+            space_id=space.id,
+            hold_source_record_id=resolved.id,
+            resolution="confirmed_as_posted",
+            reason="verified",
+        )
+    )
+    db.flush()
+
+    unresolved = service.unresolved_holds(db, space_id=space.id, document=document)
+    assert len(unresolved) == 2
+    assert service.unresolved_hold_counts(
+        db, space_id=space.id, document_ids=[document.id]
+    ) == {document.id: 2}
+    may = service.parse_month_filter("2026-05")
+    assert may == (2026, 5)
+    may_holds = [h for h in unresolved if h.occurred_on and h.occurred_on.month == 5]
+    assert len(may_holds) == 1
+    assert service.unresolved_hold_counts(
+        db, space_id=space.id, document_ids=[document.id], month=may
+    ) == {document.id: 1}
+    context = SimpleNamespace(space=space)
+    july_items = imports_router.imports(db, context, month="2026-07")
+    assert july_items[0]["id"] == document.id
+    assert july_items[0]["unresolvedHoldCount"] == 0
+    document.status = "confirmed"
+    assert imports_router.imports(db, context, month="2026-07") == []
+    may_items = imports_router.imports(db, context, month="2026-05")
+    assert may_items[0]["id"] == document.id
+    assert may_items[0]["unresolvedHoldCount"] == 1
+    assert service.parse_month_filter(None) is None
+    with pytest.raises(AppError) as exc:
+        service.parse_month_filter("2026-13")
+    assert exc.value.code == "IMPORT_MONTH_INVALID"
+
+
+def test_confirm_savings_transfer_rejects_savings_statement_account(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account = get_savings_account(db, space_id=space.id)
+    document, run = make_document(db, space, savings_account, user=user)
+    document.account_id = savings_account.id
+    add_record(db, document, run, description=SAVINGS_PHRASE)
+    with pytest.raises(AppError) as exc:
+        service.confirm_document(db, space_id=space.id, document_id=document.id, user=user)
+    assert exc.value.code == "IMPORT_SAVINGS_SOURCE_INVALID"

backend/tests/test_savings.py

@@ -0,0 +1,495 @@
+"""Savings system resources, adjustments and convert/revert contracts."""
+
+from datetime import date
+from uuid import uuid4
+
+import pytest
+from sqlalchemy.orm import Session
+
+from app.audit.models import AuditEvent
+from app.budgeting.service import close_period, get_or_create_period
+from app.errors import AppError
+from app.identity.models import User
+from app.ledger.models import Account, Category, Operation, Posting
+from app.ledger.savings import (
+    adjust_balance,
+    convert_expense_to_savings,
+    ensure_savings_resources,
+    get_savings_account,
+    revert_savings_conversion,
+)
+from app.ledger.service import (
+    account_balance,
+    create_account,
+    create_expense,
+    create_income,
+    create_refund,
+    create_transfer,
+)
+from app.spaces.service import create_space
+
+
+def seed(db: Session):
+    user = User(email=f"{uuid4().hex}@example.com", password_hash="unused")
+    db.add(user)
+    db.flush()
+    space = create_space(db, user=user, name="Savings")
+    account = create_account(
+        db,
+        space_id=space.id,
+        user=user,
+        name="Debit",
+        kind="debit",
+        opened_on=date(2026, 3, 1),
+        opening_amount_kopecks=500_000,
+    )
+    return user, space, account
+
+
+def test_space_creation_builds_exactly_one_system_pair(db: Session) -> None:
+    user, space, _ = seed(db)
+    account, category = ensure_savings_resources(db, space_id=space.id)
+    assert account.kind == "savings"
+    assert account.system_key == "savings"
+    assert category.kind == "savings_envelope"
+    assert category.system_key == "savings"
+    assert category.linked_account_id == account.id
+    assert get_savings_account(db, space_id=space.id) is account
+    assert db.query(Account).filter_by(space_id=space.id, kind="savings").count() == 1
+    # Idempotent: repeated ensure returns the same pair and adds no rows.
+    again_account, again_category = ensure_savings_resources(db, space_id=space.id)
+    assert (again_account.id, again_category.id) == (account.id, category.id)
+    assert db.query(Account).filter_by(space_id=space.id).count() == 2
+    assert user is not None
+
+
+def test_same_named_user_account_is_not_captured(db: Session) -> None:
+    user, space, _ = seed(db)
+    impostor = create_account(
+        db,
+        space_id=space.id,
+        user=user,
+        name="Накопления",
+        kind="cash",
+        opened_on=date(2026, 3, 1),
+    )
+    system_account, category = ensure_savings_resources(db, space_id=space.id)
+    assert impostor.id != system_account.id
+    assert impostor.system_key is None
+    assert category.linked_account_id == system_account.id
+
+
+def test_adjust_balance_creates_single_signed_posting(db: Session) -> None:
+    user, space, account = seed(db)
+    operation, old_balance, new_balance = adjust_balance(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        target_balance_kopecks=475_000,
+        occurred_on=date(2026, 3, 15),
+        reason="Купюры пересчитаны вручную",
+    )
+    assert (old_balance, new_balance) == (500_000, 475_000)
+    assert operation.type == "adjustment"
+    assert operation.amount_kopecks == 25_000
+    postings = db.query(Posting).filter_by(operation_id=operation.id).all()
+    assert len(postings) == 1
+    assert postings[0].amount_kopecks == -25_000
+    assert account_balance(db, account) == 475_000
+    event = (
+        db.query(AuditEvent).filter_by(event_type="account.balance_adjusted").one()
+    )
+    assert event.detail["old_balance_kopecks"] == 500_000
+    assert event.detail["new_balance_kopecks"] == 475_000
+    assert event.detail["delta_kopecks"] == -25_000
+
+
+def test_adjust_balance_positive_delta_and_upward_adjustment(db: Session) -> None:
+    user, space, account = seed(db)
+    operation, _, _ = adjust_balance(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        target_balance_kopecks=510_000,
+        occurred_on=date(2026, 3, 15),
+        reason="Найдена купюра",
+    )
+    assert operation.amount_kopecks == 10_000
+    postings = db.query(Posting).filter_by(operation_id=operation.id).all()
+    assert postings[0].amount_kopecks == 10_000
+    assert account_balance(db, account) == 510_000
+
+
+def test_adjust_balance_rejects_credit_accounts(db: Session) -> None:
+    user, space, _ = seed(db)
+    credit = create_account(
+        db,
+        space_id=space.id,
+        user=user,
+        name="Credit",
+        kind="credit",
+        opened_on=date(2026, 3, 1),
+        opening_amount_kopecks=-500_000,
+    )
+    with pytest.raises(AppError) as exc:
+        adjust_balance(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=credit.id,
+            target_balance_kopecks=0,
+            occurred_on=date(2026, 3, 16),
+            reason="Invalid sign",
+        )
+    assert exc.value.code == "LEDGER_ADJUST_CREDIT_UNSUPPORTED"
+
+
+def test_adjust_balance_rejects_noop_negative_target_and_missing_reason(
+    db: Session,
+) -> None:
+    user, space, account = seed(db)
+    with pytest.raises(AppError) as exc:
+        adjust_balance(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=account.id,
+            target_balance_kopecks=500_000,
+            occurred_on=date(2026, 3, 15),
+            reason="same",
+        )
+    assert exc.value.code == "LEDGER_ADJUST_NOOP"
+    with pytest.raises(AppError) as exc:
+        adjust_balance(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=account.id,
+            target_balance_kopecks=-1,
+            occurred_on=date(2026, 3, 15),
+            reason="below zero",
+        )
+    assert exc.value.code == "LEDGER_ADJUST_TARGET_NEGATIVE"
+    with pytest.raises(AppError) as exc:
+        adjust_balance(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=account.id,
+            target_balance_kopecks=1,
+            occurred_on=date(2026, 3, 15),
+            reason="   ",
+        )
+    assert exc.value.code == "LEDGER_ADJUST_REASON_REQUIRED"
+
+
+def test_adjust_balance_protects_closed_period(db: Session) -> None:
+    user, space, account = seed(db)
+    period = get_or_create_period(db, space_id=space.id, year=2026, month=3)
+    close_period(db, space_id=space.id, user=user, period=period)
+    with pytest.raises(AppError) as exc:
+        adjust_balance(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=account.id,
+            target_balance_kopecks=1,
+            occurred_on=date(2026, 3, 20),
+            reason="late fix",
+        )
+    assert exc.value.code == "BUDGET_PERIOD_CLOSED"
+
+
+def test_convert_expense_to_savings_and_revert_roundtrip(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account, savings_category = ensure_savings_resources(db, space_id=space.id)
+    category = Category(space_id=space.id, kind="monthly", custom_name="Food")
+    db.add(category)
+    db.flush()
+    expense = create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=12_345,
+        occurred_on=date(2026, 3, 5),
+        category_id=category.id,
+        description="Groceries",
+        request_key="op-1",
+    )
+    converted = convert_expense_to_savings(
+        db, space_id=space.id, user=user, operation_id=expense.id
+    )
+    assert converted.type == "transfer"
+    assert converted.counter_account_id == savings_account.id
+    assert converted.category_id == savings_category.id
+    assert converted.converted_from_expense is True
+    assert converted.previous_category_id == category.id
+    assert converted.description == "Groceries"
+    assert converted.request_key == "op-1"
+    postings = db.query(Posting).filter_by(operation_id=converted.id).all()
+    assert len(postings) == 2
+    assert sum(item.amount_kopecks for item in postings) == 0
+    assert account_balance(db, account) == 500_000 - 12_345
+    assert account_balance(db, savings_account) == 12_345
+
+    reverted = revert_savings_conversion(
+        db, space_id=space.id, user=user, operation_id=expense.id
+    )
+    assert reverted.type == "expense"
+    assert reverted.counter_account_id is None
+    assert reverted.category_id == category.id
+    assert reverted.converted_from_expense is False
+    assert reverted.previous_category_id is None
+    postings_after = db.query(Posting).filter_by(operation_id=reverted.id).all()
+    assert len(postings_after) == 1
+    assert postings_after[0].amount_kopecks == -12_345
+    assert account_balance(db, account) == 500_000 - 12_345
+    assert account_balance(db, savings_account) == 0
+
+
+def test_convert_rejects_income_refund_transfer_and_double_conversion(
+    db: Session,
+) -> None:
+    user, space, account = seed(db)
+    income = create_income(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=1_000,
+        occurred_on=date(2026, 3, 2),
+    )
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=space.id, user=user, operation_id=income.id
+        )
+    assert exc.value.code == "LEDGER_SAVINGS_CONVERT_INVALID"
+
+    refundable_expense = create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=2_000,
+        occurred_on=date(2026, 3, 3),
+    )
+    refund = create_refund(
+        db,
+        space_id=space.id,
+        user=user,
+        parent_operation_id=refundable_expense.id,
+        amount_kopecks=500,
+        occurred_on=date(2026, 3, 4),
+    )
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=space.id, user=user, operation_id=refund.id
+        )
+    assert exc.value.code == "LEDGER_SAVINGS_CONVERT_INVALID"
+
+    expense = create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=2_000,
+        occurred_on=date(2026, 3, 5),
+    )
+    convert_expense_to_savings(db, space_id=space.id, user=user, operation_id=expense.id)
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=space.id, user=user, operation_id=expense.id
+        )
+    assert exc.value.code == "LEDGER_SAVINGS_CONVERT_INVALID"
+
+    transfer = create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=get_savings_account(db, space_id=space.id).id,
+        amount_kopecks=1_000,
+        occurred_on=date(2026, 3, 6),
+    )
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=space.id, user=user, operation_id=transfer.id
+        )
+    assert exc.value.code == "LEDGER_SAVINGS_CONVERT_INVALID"
+
+
+def test_convert_rejects_expense_with_confirmed_refund(db: Session) -> None:
+    user, space, account = seed(db)
+    expense = create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=2_000,
+        occurred_on=date(2026, 3, 3),
+    )
+    create_refund(
+        db,
+        space_id=space.id,
+        user=user,
+        parent_operation_id=expense.id,
+        amount_kopecks=500,
+        occurred_on=date(2026, 3, 4),
+    )
+
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=space.id, user=user, operation_id=expense.id
+        )
+    assert exc.value.code == "LEDGER_SAVINGS_CONVERT_HAS_REFUNDS"
+
+
+def test_convert_rejects_closed_period_and_cross_space_operation(db: Session) -> None:
+    user, space, account = seed(db)
+    other_space = create_space(db, user=user, name="Other")
+    category = Category(space_id=space.id, kind="monthly", custom_name="Food")
+    db.add(category)
+    db.flush()
+    expense = create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=3_000,
+        occurred_on=date(2026, 3, 7),
+        category_id=category.id,
+    )
+    period = get_or_create_period(db, space_id=space.id, year=2026, month=3)
+    close_period(db, space_id=space.id, user=user, period=period)
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=space.id, user=user, operation_id=expense.id
+        )
+    assert exc.value.code == "BUDGET_PERIOD_CLOSED"
+    with pytest.raises(AppError) as exc:
+        convert_expense_to_savings(
+            db, space_id=other_space.id, user=user, operation_id=expense.id
+        )
+    assert exc.value.code == "LEDGER_OPERATION_NOT_FOUND"
+
+
+def test_revert_rejects_plain_transfers_and_unknown_operations(db: Session) -> None:
+    user, space, account = seed(db)
+    savings_account, _ = ensure_savings_resources(db, space_id=space.id)
+    plain = create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=500,
+        occurred_on=date(2026, 3, 8),
+    )
+    with pytest.raises(AppError) as exc:
+        revert_savings_conversion(db, space_id=space.id, user=user, operation_id=plain.id)
+    assert exc.value.code == "LEDGER_SAVINGS_REVERT_INVALID"
+    with pytest.raises(AppError) as exc:
+        revert_savings_conversion(db, space_id=space.id, user=user, operation_id=uuid4())
+    assert exc.value.code == "LEDGER_OPERATION_NOT_FOUND"
+
+
+def test_system_account_rejects_external_operations(db: Session) -> None:
+    user, space, _ = seed(db)
+    savings_account, savings_category = ensure_savings_resources(db, space_id=space.id)
+    with pytest.raises(AppError) as exc:
+        create_expense(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=savings_account.id,
+            amount_kopecks=100,
+            occurred_on=date(2026, 3, 9),
+        )
+    assert exc.value.code == "LEDGER_SYSTEM_ACCOUNT_NOT_EXTERNAL"
+    with pytest.raises(AppError) as exc:
+        create_income(
+            db,
+            space_id=space.id,
+            user=user,
+            account_id=savings_account.id,
+            amount_kopecks=100,
+            occurred_on=date(2026, 3, 9),
+        )
+    assert exc.value.code == "LEDGER_SYSTEM_ACCOUNT_NOT_EXTERNAL"
+    assert savings_category is not None
+
+
+def test_manual_transfer_with_savings_gets_system_category(db: Session) -> None:
+    user, space, account = seed(db)
+    cash = create_account(
+        db,
+        space_id=space.id,
+        user=user,
+        name="Cash",
+        kind="cash",
+        opened_on=date(2026, 3, 1),
+    )
+    savings_account, savings_category = ensure_savings_resources(db, space_id=space.id)
+    into = create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=savings_account.id,
+        amount_kopecks=700,
+        occurred_on=date(2026, 3, 10),
+    )
+    assert into.category_id == savings_category.id
+    out_of = create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=savings_account.id,
+        target_account_id=cash.id,
+        amount_kopecks=200,
+        occurred_on=date(2026, 3, 11),
+    )
+    assert out_of.category_id == savings_category.id
+    regular = create_transfer(
+        db,
+        space_id=space.id,
+        user=user,
+        source_account_id=account.id,
+        target_account_id=cash.id,
+        amount_kopecks=300,
+        occurred_on=date(2026, 3, 12),
+    )
+    assert regular.category_id is None
+
+
+def test_system_account_cannot_be_archived_or_deleted(db: Session) -> None:
+    user, space, _ = seed(db)
+    savings_account, _ = ensure_savings_resources(db, space_id=space.id)
+    from app.ledger.service import archive_account, delete_account
+
+    with pytest.raises(AppError) as exc:
+        archive_account(db, space_id=space.id, user=user, account_id=savings_account.id)
+    assert exc.value.code == "LEDGER_ACCOUNT_SYSTEM"
+    with pytest.raises(AppError) as exc:
+        delete_account(db, space_id=space.id, user=user, account_id=savings_account.id)
+    assert exc.value.code == "LEDGER_ACCOUNT_SYSTEM"
+
+
+def test_operations_on_other_spaces_are_isolated(db: Session) -> None:
+    user, space, account = seed(db)
+    other_space = create_space(db, user=user, name="Elsewhere")
+    expense = create_expense(
+        db,
+        space_id=space.id,
+        user=user,
+        account_id=account.id,
+        amount_kopecks=1_500,
+        occurred_on=date(2026, 3, 14),
+    )
+    convert_expense_to_savings(db, space_id=space.id, user=user, operation_id=expense.id)
+    assert (
+        db.query(Operation).filter_by(space_id=other_space.id).count() == 0
+    )

backend/tests/test_savings_migration.py

@@ -0,0 +1,68 @@
+from datetime import date
+from pathlib import Path
+
+from alembic.config import Config
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session
+
+from alembic import command
+from app.config import get_settings
+from app.identity.models import User
+from app.ledger.models import Account, Category
+from app.spaces.models import FinancialSpace, Membership
+
+
+def test_upgrade_backfills_one_pair_without_claiming_same_named_rows(
+    tmp_path: Path, monkeypatch,
+) -> None:
+    database_url = f"sqlite:///{tmp_path / 'migration.db'}"
+    monkeypatch.setenv("DATABASE_URL", database_url)
+    get_settings.cache_clear()
+    config = Config(str(Path(__file__).parents[1] / "alembic.ini"))
+    config.set_main_option("script_location", str(Path(__file__).parents[1] / "alembic"))
+
+    try:
+        command.upgrade(config, "0002")
+        engine = create_engine(database_url)
+        with Session(engine) as db:
+            user = User(email="migration@example.com", password_hash="unused")
+            space = FinancialSpace(name="Legacy")
+            db.add_all([user, space])
+            db.flush()
+            db.add(Membership(space_id=space.id, user_id=user.id, role="owner"))
+            db.add(
+                Account(
+                    space_id=space.id,
+                    name="Savings",
+                    kind="debit",
+                    opened_on=date(2026, 1, 1),
+                )
+            )
+            db.add(
+                Category(
+                    space_id=space.id,
+                    name_override="Savings",
+                    kind="monthly",
+                )
+            )
+            db.commit()
+            space_id = space.id
+
+        command.upgrade(config, "head")
+        command.upgrade(config, "head")
+
+        with Session(engine) as db:
+            accounts = db.query(Account).filter_by(space_id=space_id).all()
+            categories = db.query(Category).filter_by(space_id=space_id).all()
+            system_account = [item for item in accounts if item.system_key == "savings"]
+            system_category = [item for item in categories if item.system_key == "savings"]
+            assert len(system_account) == 1
+            assert len(system_category) == 1
+            assert system_category[0].linked_account_id == system_account[0].id
+            assert any(item.name == "Savings" and item.system_key is None for item in accounts)
+            assert any(
+                item.name_override == "Savings" and item.system_key is None
+                for item in categories
+            )
+    finally:
+        get_settings.cache_clear()

docs/adr/0002-journal-and-budget-reserves.md

@@ -10,10 +10,13 @@ The product needs trustworthy account balances including credit-card debt, zero-
 
 ## Decision
 
-- The ledger is a journal of `operations` (`expense | income | transfer | refund`; `confirmed | voided`) and `postings` (one posting for external income/expense/refund; two equal and opposite postings for an internal transfer). Amounts are integer kopecks; no floats.
+- The ledger is a journal of `operations` (`expense | income | transfer | refund | adjustment`; `confirmed | voided`) and `postings` (one posting for external income/expense/refund; two equal and opposite postings for an internal transfer; exactly one signed posting for a balance adjustment). Amounts are integer kopecks; no floats.
 - Balances are derived, never mutated directly: opening position plus confirmed, non-voided postings. Credit debt follows one documented sign convention.
 - This is **not** event sourcing and **not** full double-entry against the external world: the journal is just enough structure to make balances reconstructable and voiding explicit.
 - Budgeting splits plan from funding: `plan_assignments` express intent, `funding_movements` move actually received money from the general pool. Monthly categories fold their remainder into the pool at close; savings envelopes carry balances forward; each credit card has a permanent reserve.
+- Every financial space has exactly one visible system `savings` account paired with one system `savings_envelope` category, joined by `system_key`. The pair is created idempotently (space creation, migration, domain commands), is protected from rename/archive/delete, and is identified only by `system_key` — same-named user entities are never captured. Transfers into the envelope are carved out of the general pool as its backing; transfers back out return to the pool.
+- A balance adjustment is a journal operation with a single signed posting for the delta (the operation amount stays positive; direction lives in the posting). It moves assets and the envelope balance but never income, expenses, cash flow or the budget pool, and every adjustment stores old/new/delta plus a mandatory reason in the audit log. Direct changes to stored balances remain forbidden.
+- Expenses can be converted into savings transfers and converted back; the conversion marks the operation and stores the previous category so reversion restores type, category and postings exactly. Closed periods protect conversions, reversions and adjustments with the same reopen-before-change rule as other mutations.
 - Period closure writes an immutable snapshot. Changing or voiding an operation in a closed month requires an explicit cascade reopen of all subsequent periods; late refunds after closure credit the current pool and never rewrite the closed fact.
 
 ## Consequences

frontend/pnpm-workspace.yaml

@@ -1,2 +1,5 @@
+packages:
+  - "."
+
 allowBuilds:
   esbuild@0.25.12: true

frontend/src/api/endpoints.ts

@@ -2,13 +2,17 @@ import { apiClient } from './client'
 import type {
   AcceptInvitePayload,
   Account,
+  AdjustBalancePayload,
+  AdjustBalanceResult,
   BalancesReport,
   BudgetCategory,
   BudgetSummary,
   CashFlowMonth,
+  CategoryDefinition,
   CategorySpendItem,
   ConfirmImportPayload,
   CreateAccountPayload,
+  CreateCategoryPayload,
   CreateOperationPayload,
   ExportInfo,
   ImportDetail,
@@ -17,8 +21,10 @@ import type {
   Operation,
   OperationFilters,
   Page,
+  PatchCategoryDefinitionPayload,
   PlanFactReport,
   PasswordResetPayload,
+  ResolveHoldPayload,
   SaveRowDecisionPayload,
   SpaceDeletionStatus,
   User,
@@ -42,6 +48,8 @@ export const api = {
       apiClient.post<Account>('/accounts', { json: payload }),
     archive: (id: string) =>
       apiClient.patch<Account>(`/accounts/${id}`, { json: { status: 'archived' } }),
+    adjustBalance: (id: string, payload: AdjustBalancePayload) =>
+      apiClient.post<AdjustBalanceResult>(`/accounts/${id}/adjust-balance`, { json: payload }),
   },
   operations: {
     list: (filters: OperationFilters) =>
@@ -52,6 +60,10 @@ export const api = {
       apiClient.post<Operation>(`/operations/${id}/void`, { json: { reason } }),
     categorize: (id: string, categoryId: string) =>
       apiClient.patch<Operation>(`/operations/${id}`, { json: { categoryId } }),
+    savingsTransfer: (id: string) =>
+      apiClient.post<Operation>(`/operations/${id}/savings-transfer`),
+    savingsTransferRevert: (id: string) =>
+      apiClient.post<Operation>(`/operations/${id}/savings-transfer/revert`),
   },
   budget: {
     summary: (month: string) =>
@@ -70,9 +82,18 @@ export const api = {
     reopen: (month: string) => apiClient.post<BudgetSummary>('/budget/reopen', { json: { month } }),
     copyPrevious: (month: string) =>
       apiClient.post<BudgetSummary>('/budget/copy-previous', { json: { month } }),
+    categoryDefinitions: (includeArchived: boolean) =>
+      apiClient.get<CategoryDefinition[]>('/budget/category-definitions', {
+        query: { includeArchived },
+      }),
+    createCategory: (payload: CreateCategoryPayload) =>
+      apiClient.post<CategoryDefinition>('/budget/categories', { json: payload }),
+    updateCategoryDefinition: (id: string, payload: PatchCategoryDefinitionPayload) =>
+      apiClient.patch<CategoryDefinition>(`/budget/category-definitions/${id}`, { json: payload }),
   },
   imports: {
-    list: () => apiClient.get<ImportSummary[]>('/imports'),
+    list: (month?: string) =>
+      apiClient.get<ImportSummary[]>('/imports', { query: { month } }),
     get: (id: string) => apiClient.get<ImportDetail>(`/imports/${id}`),
     upload: (file: File, accountId: string) => {
       const formData = new FormData()
@@ -82,6 +103,8 @@ export const api = {
     },
     saveRowDecision: (id: string, rowId: string, payload: SaveRowDecisionPayload) =>
       apiClient.patch<ImportDetail>(`/imports/${id}/rows/${rowId}`, { json: payload }),
+    resolveHold: (id: string, rowId: string, payload: ResolveHoldPayload) =>
+      apiClient.post<ImportDetail>(`/imports/${id}/rows/${rowId}/resolve`, { json: payload }),
     confirm: (id: string, payload: ConfirmImportPayload) =>
       apiClient.post<ImportDetail>(`/imports/${id}/confirm`, { json: payload }),
     reparse: (id: string) => apiClient.post<ImportDetail>(`/imports/${id}/reparse`),

frontend/src/api/generated/schema.d.ts

@@ -89,6 +89,40 @@ export interface paths {
         patch?: never;
         trace?: never;
     };
+    "/api/v1/auth/password-reset": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Request Password Reset */
+        post: operations["request_password_reset_api_v1_auth_password_reset_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
+    "/api/v1/auth/password-reset/confirm": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Confirm Password Reset */
+        post: operations["confirm_password_reset_api_v1_auth_password_reset_confirm_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
     "/api/v1/auth/me": {
         parameters: {
             query?: never;
@@ -140,6 +174,23 @@ export interface paths {
         patch?: never;
         trace?: never;
     };
+    "/api/v1/spaces/current/invitations": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Invite Member */
+        post: operations["invite_member_api_v1_spaces_current_invitations_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
     "/api/v1/spaces/current/deletion": {
         parameters: {
             query?: never;
@@ -264,6 +315,57 @@ export interface paths {
         patch: operations["patch_operation_api_v1_operations__operation_id__patch"];
         trace?: never;
     };
+    "/api/v1/accounts/{account_id}/adjust-balance": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Adjust Balance */
+        post: operations["adjust_balance_api_v1_accounts__account_id__adjust_balance_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
+    "/api/v1/operations/{operation_id}/savings-transfer": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Savings Transfer */
+        post: operations["savings_transfer_api_v1_operations__operation_id__savings_transfer_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
+    "/api/v1/operations/{operation_id}/savings-transfer/revert": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Savings Transfer Revert */
+        post: operations["savings_transfer_revert_api_v1_operations__operation_id__savings_transfer_revert_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
     "/api/v1/budget/summary": {
         parameters: {
             query?: never;
@@ -299,6 +401,40 @@ export interface paths {
         patch?: never;
         trace?: never;
     };
+    "/api/v1/budget/category-definitions": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        /** Category Definitions */
+        get: operations["category_definitions_api_v1_budget_category_definitions_get"];
+        put?: never;
+        post?: never;
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
+    "/api/v1/budget/category-definitions/{category_id}": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        post?: never;
+        delete?: never;
+        options?: never;
+        head?: never;
+        /** Patch Category Definition */
+        patch: operations["patch_category_definition_api_v1_budget_category_definitions__category_id__patch"];
+        trace?: never;
+    };
     "/api/v1/budget/categories/{category_id}": {
         parameters: {
             query?: never;
@@ -555,6 +691,23 @@ export interface paths {
         patch: operations["decide_row_api_v1_imports__document_id__rows__row_id__patch"];
         trace?: never;
     };
+    "/api/v1/imports/{document_id}/rows/{row_id}/resolve": {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        get?: never;
+        put?: never;
+        /** Resolve Hold */
+        post: operations["resolve_hold_api_v1_imports__document_id__rows__row_id__resolve_post"];
+        delete?: never;
+        options?: never;
+        head?: never;
+        patch?: never;
+        trace?: never;
+    };
     "/api/v1/imports/{document_id}/confirm": {
         parameters: {
             query?: never;
@@ -732,10 +885,10 @@ export interface paths {
             path?: never;
             cookie?: never;
         };
-        get?: never;
-        put?: never;
         /** Download */
-        post: operations["download_api_v1_exports__export_id__download_post"];
+        get: operations["download_api_v1_exports__export_id__download_get"];
+        put?: never;
+        post?: never;
         delete?: never;
         options?: never;
         head?: never;
@@ -790,6 +943,18 @@ export interface components {
             /** Maskednumber */
             maskedNumber?: string | null;
         };
+        /** AdjustBalanceBody */
+        AdjustBalanceBody: {
+            /** Targetbalancekopecks */
+            targetBalanceKopecks: number;
+            /**
+             * Occurredon
+             * Format: date
+             */
+            occurredOn: string;
+            /** Reason */
+            reason: string;
+        };
         /** AssignmentItem */
         AssignmentItem: {
             /**
@@ -823,6 +988,13 @@ export interface components {
              */
             kind: "monthly" | "savings_envelope";
         };
+        /** CategoryDefinitionPatchBody */
+        CategoryDefinitionPatchBody: {
+            /** Name */
+            name?: string | null;
+            /** Archived */
+            archived?: boolean | null;
+        };
         /** CategoryFundingBody */
         CategoryFundingBody: {
             /** Month */
@@ -889,6 +1061,15 @@ export interface components {
             /** Detail */
             detail?: components["schemas"]["ValidationError"][];
         };
+        /** HoldResolveBody */
+        HoldResolveBody: {
+            /** Action */
+            action: string;
+            /** Reason */
+            reason: string;
+            /** Accountid */
+            accountId?: string | null;
+        };
         /** InviteBody */
         InviteBody: {
             /**
@@ -907,6 +1088,14 @@ export interface components {
             /** Password */
             password: string;
         };
+        /** MemberInviteBody */
+        MemberInviteBody: {
+            /**
+             * Email
+             * Format: email
+             */
+            email: string;
+        };
         /** MonthBody */
         MonthBody: {
             /** Month */
@@ -957,6 +1146,21 @@ export interface components {
             /** Plannedkopecks */
             plannedKopecks: number;
         };
+        /** ResetBody */
+        ResetBody: {
+            /** Token */
+            token: string;
+            /** Password */
+            password: string;
+        };
+        /** ResetRequestBody */
+        ResetRequestBody: {
+            /**
+             * Email
+             * Format: email
+             */
+            email: string;
+        };
         /** ReviewBody */
         ReviewBody: {
             /**
@@ -1150,6 +1354,76 @@ export interface operations {
             };
         };
     };
+    request_password_reset_api_v1_auth_password_reset_post: {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        requestBody: {
+            content: {
+                "application/json": components["schemas"]["ResetRequestBody"];
+            };
+        };
+        responses: {
+            /** @description Successful Response */
+            202: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
+    confirm_password_reset_api_v1_auth_password_reset_confirm_post: {
+        parameters: {
+            query?: never;
+            header?: never;
+            path?: never;
+            cookie?: never;
+        };
+        requestBody: {
+            content: {
+                "application/json": components["schemas"]["ResetBody"];
+            };
+        };
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
     me_api_v1_auth_me_get: {
         parameters: {
             query?: never;
@@ -1245,6 +1519,45 @@ export interface operations {
             };
         };
     };
+    invite_member_api_v1_spaces_current_invitations_post: {
+        parameters: {
+            query?: never;
+            header?: {
+                "X-CSRF-Token"?: string | null;
+            };
+            path?: never;
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody: {
+            content: {
+                "application/json": components["schemas"]["MemberInviteBody"];
+            };
+        };
+        responses: {
+            /** @description Successful Response */
+            201: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
     deletion_status_api_v1_spaces_current_deletion_get: {
         parameters: {
             query?: never;
@@ -1541,6 +1854,7 @@ export interface operations {
                 occurredFrom?: string | null;
                 occurredTo?: string | null;
                 search?: string | null;
+                uncategorized?: boolean;
                 limit?: number;
                 cursor?: string | null;
             };
@@ -1696,6 +2010,121 @@ export interface operations {
             };
         };
     };
+    adjust_balance_api_v1_accounts__account_id__adjust_balance_post: {
+        parameters: {
+            query?: never;
+            header?: {
+                "X-CSRF-Token"?: string | null;
+            };
+            path: {
+                account_id: string;
+            };
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody: {
+            content: {
+                "application/json": components["schemas"]["AdjustBalanceBody"];
+            };
+        };
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
+    savings_transfer_api_v1_operations__operation_id__savings_transfer_post: {
+        parameters: {
+            query?: never;
+            header?: {
+                "X-CSRF-Token"?: string | null;
+            };
+            path: {
+                operation_id: string;
+            };
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody?: never;
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
+    savings_transfer_revert_api_v1_operations__operation_id__savings_transfer_revert_post: {
+        parameters: {
+            query?: never;
+            header?: {
+                "X-CSRF-Token"?: string | null;
+            };
+            path: {
+                operation_id: string;
+            };
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody?: never;
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
     summary_api_v1_budget_summary_get: {
         parameters: {
             query: {
@@ -1805,6 +2234,82 @@ export interface operations {
             };
         };
     };
+    category_definitions_api_v1_budget_category_definitions_get: {
+        parameters: {
+            query?: {
+                includeArchived?: boolean;
+            };
+            header?: never;
+            path?: never;
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody?: never;
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    }[];
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
+    patch_category_definition_api_v1_budget_category_definitions__category_id__patch: {
+        parameters: {
+            query?: never;
+            header?: {
+                "X-CSRF-Token"?: string | null;
+            };
+            path: {
+                category_id: string;
+            };
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody: {
+            content: {
+                "application/json": components["schemas"]["CategoryDefinitionPatchBody"];
+            };
+        };
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
     update_plan_api_v1_budget_categories__category_id__patch: {
         parameters: {
             query?: never;
@@ -2246,7 +2751,9 @@ export interface operations {
     };
     imports_api_v1_imports_get: {
         parameters: {
-            query?: never;
+            query?: {
+                month?: string | null;
+            };
             header?: never;
             path?: never;
             cookie?: {
@@ -2434,6 +2941,48 @@ export interface operations {
             };
         };
     };
+    resolve_hold_api_v1_imports__document_id__rows__row_id__resolve_post: {
+        parameters: {
+            query?: never;
+            header?: {
+                "X-CSRF-Token"?: string | null;
+            };
+            path: {
+                document_id: string;
+                row_id: string;
+            };
+            cookie?: {
+                fin_session?: string | null;
+            };
+        };
+        requestBody: {
+            content: {
+                "application/json": components["schemas"]["HoldResolveBody"];
+            };
+        };
+        responses: {
+            /** @description Successful Response */
+            200: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": {
+                        [key: string]: unknown;
+                    };
+                };
+            };
+            /** @description Validation Error */
+            422: {
+                headers: {
+                    [name: string]: unknown;
+                };
+                content: {
+                    "application/json": components["schemas"]["HTTPValidationError"];
+                };
+            };
+        };
+    };
     confirm_api_v1_imports__document_id__confirm_post: {
         parameters: {
             query?: never;
@@ -2796,12 +3345,10 @@ export interface operations {
             };
         };
     };
-    download_api_v1_exports__export_id__download_post: {
+    download_api_v1_exports__export_id__download_get: {
         parameters: {
             query?: never;
-            header?: {
+            header?: never;
-                "X-CSRF-Token"?: string | null;
-            };
             path: {
                 export_id: string;
             };

frontend/src/api/queryKeys.ts

@@ -23,8 +23,10 @@ export const queryKeys = {
   operations: (filters: OperationFilters) => [SPACE_ROOT, 'operations', filters] as const,
   budgetSummary: (month: string) => [SPACE_ROOT, 'budget', 'summary', month] as const,
   budgetCategories: (month: string) => [SPACE_ROOT, 'budget', 'categories', month] as const,
-  imports: () => [SPACE_ROOT, 'imports'] as const,
+  imports: (month?: string) =>
+    month ? ([SPACE_ROOT, 'imports', month] as const) : ([SPACE_ROOT, 'imports'] as const),
   import: (id: string) => [SPACE_ROOT, 'imports', id] as const,
+  budgetCategoryDefinitions: () => [SPACE_ROOT, 'budget', 'category-definitions'] as const,
   analyticsCategorySpend: (from: string, to: string) =>
     [SPACE_ROOT, 'analytics', 'category-spend', from, to] as const,
   analyticsPlanFact: (month: string) => [SPACE_ROOT, 'analytics', 'plan-fact', month] as const,

frontend/src/api/types.ts

@@ -8,7 +8,7 @@ export interface User {
   timezone: string
 }
 
-export type AccountType = 'cash' | 'debit' | 'credit'
+export type AccountType = 'cash' | 'debit' | 'credit' | 'savings'
 export type AccountStatus = 'active' | 'archived'
 
 export interface Account {
@@ -20,9 +20,15 @@ export interface Account {
   maskedNumber: string | null
   openedOn: string
   currency: 'RUB'
+  systemKey: string | null
+  nameKey: string | null
   balanceKopecks: number
 }
 
+export function isSystemAccount(account: Account): boolean {
+  return account.systemKey !== null
+}
+
 export interface CreateAccountPayload {
   name: string
   type: AccountType
@@ -32,7 +38,7 @@ export interface CreateAccountPayload {
   maskedNumber?: string
 }
 
-export type OperationKind = 'expense' | 'income' | 'transfer' | 'refund'
+export type OperationKind = 'expense' | 'income' | 'transfer' | 'refund' | 'adjustment'
 export type OperationStatus = 'confirmed' | 'voided'
 
 export interface Operation {
@@ -51,10 +57,22 @@ export interface Operation {
   incomeSourceName: string | null
   description: string | null
   parentOperationId: string | null
+  convertedFromExpense: boolean
   version: number
   createdAt: string
 }
 
+export interface AdjustBalancePayload {
+  targetBalanceKopecks: number
+  occurredOn: string
+  reason: string
+}
+
+export interface AdjustBalanceResult extends Operation {
+  oldBalanceKopecks: number
+  newBalanceKopecks: number
+}
+
 export type CreateOperationPayload =
   | {
       kind: 'expense'
@@ -131,11 +149,25 @@ export interface BudgetWarning {
   message?: string
 }
 
-export interface BudgetBlocker {
+export interface CountBlocker {
+  code: 'IMPORTS_UNRESOLVED' | 'IMPORT_UNRESOLVED_HOLDS' | 'BUDGET_UNCATEGORIZED_EXPENSES'
+  count: number
+  message?: string
+}
+
+export interface CategoriesBlocker {
+  code: 'BUDGET_NEGATIVE_ENVELOPE'
+  categories: string[]
+  message?: string
+}
+
+export interface UnknownBlocker {
   code: string
   message?: string
 }
 
+export type BudgetBlocker = CountBlocker | CategoriesBlocker | UnknownBlocker
+
 export type ExpectedIncomeStatus = 'expected' | 'partially_matched' | 'matched'
 
 export interface ExpectedIncome {
@@ -162,12 +194,14 @@ export interface BudgetSummary {
 }
 
 export type CategoryKind = 'monthly' | 'savings_envelope' | 'credit_reserve'
+export type CreatableCategoryKind = 'monthly' | 'savings_envelope'
 
 export interface BudgetCategory {
   id: string
   name: string | null
   nameKey: string | null
   kind: CategoryKind
+  system: boolean
   archived: boolean
   creditAccountId: string | null
   plannedKopecks: number
@@ -176,6 +210,26 @@ export interface BudgetCategory {
   availableKopecks: number
 }
 
+export interface CategoryDefinition {
+  id: string
+  name: string | null
+  nameKey: string | null
+  kind: CategoryKind
+  systemKey: string | null
+  linkedAccountId: string | null
+  archived: boolean
+}
+
+export interface CreateCategoryPayload {
+  name: string
+  kind: CreatableCategoryKind
+}
+
+export interface PatchCategoryDefinitionPayload {
+  name?: string
+  archived?: boolean
+}
+
 export type ImportStatus =
   | 'uploaded'
   | 'queued'
@@ -194,6 +248,7 @@ export interface ImportSummary {
   accountName: string | null
   periodFrom: string | null
   periodTo: string | null
+  unresolvedHoldCount: number
   createdAt: string
 }
 
@@ -213,7 +268,20 @@ export interface Reconciliation {
   reason: string | null
 }
 
-export type RowDecision = 'pending' | 'create' | 'discard' | 'duplicate' | 'transfer'
+export type RowDecision = 'pending' | 'create' | 'discard' | 'duplicate' | 'transfer' | 'savings_transfer'
+
+export type RowBankStatus = 'posted' | 'hold'
+
+export type HoldResolutionAction = 'confirm_as_posted' | 'discard_as_cancelled'
+
+export interface HoldResolution {
+  resolution: 'confirmed_as_posted' | 'discarded_as_cancelled'
+  resolvingSourceRecordId: string | null
+  operationId: string | null
+  resolvedByUserId: string | null
+  reason: string | null
+  resolvedAt: string | null
+}
 
 export interface ImportRow {
   id: string
@@ -221,11 +289,13 @@ export interface ImportRow {
   occurredOn: string
   amountKopecks: number
   direction: 'in' | 'out'
+  bankStatus: RowBankStatus
   description: string | null
   payeeHint: string | null
   warnings: string[]
   decision: RowDecision
   duplicateOfOperationId: string | null
+  holdResolution: HoldResolution | null
 }
 
 export interface ImportDetail extends ImportSummary {
@@ -240,6 +310,8 @@ export interface ImportDetail extends ImportSummary {
     discard: number
     duplicate: number
     transfer: number
+    savingsTransfer: number
+    pending: number
   }
 }
 
@@ -248,6 +320,12 @@ export interface SaveRowDecisionPayload {
   duplicateOfOperationId?: string
 }
 
+export interface ResolveHoldPayload {
+  action: HoldResolutionAction
+  reason: string
+  accountId?: string
+}
+
 export interface ConfirmImportPayload {
   confirmedWithoutFullReconciliation?: boolean
   reason?: string

frontend/src/components/budget/BudgetBlockers.tsx

@@ -0,0 +1,77 @@
+import { useTranslation } from 'react-i18next'
+import type { TFunction } from 'i18next'
+import { Link } from 'react-router-dom'
+import type { BudgetBlocker } from '@/api/types'
+
+interface Cta {
+  to: string
+  label: string
+}
+
+function blockerText(blocker: BudgetBlocker, t: TFunction): string {
+  if (blocker.code === 'IMPORTS_UNRESOLVED' && 'count' in blocker) {
+    return t('budget.blockers.IMPORTS_UNRESOLVED', { count: blocker.count })
+  }
+  if (blocker.code === 'IMPORT_UNRESOLVED_HOLDS' && 'count' in blocker) {
+    return t('budget.blockers.IMPORT_UNRESOLVED_HOLDS', { count: blocker.count })
+  }
+  if (blocker.code === 'BUDGET_UNCATEGORIZED_EXPENSES' && 'count' in blocker) {
+    return t('budget.blockers.BUDGET_UNCATEGORIZED_EXPENSES', { count: blocker.count })
+  }
+  if (blocker.code === 'BUDGET_NEGATIVE_ENVELOPE' && 'categories' in blocker) {
+    return t('budget.blockers.BUDGET_NEGATIVE_ENVELOPE', {
+      categories: blocker.categories.join(', '),
+    })
+  }
+  console.warn('[budget] unknown blocker code', blocker.code)
+  return t('budget.blockers.unknown')
+}
+
+function blockerCta(blocker: BudgetBlocker, month: string, t: TFunction): Cta | null {
+  if (
+    blocker.code === 'IMPORTS_UNRESOLVED' ||
+    blocker.code === 'IMPORT_UNRESOLVED_HOLDS' ||
+    blocker.code === 'BUDGET_UNCATEGORIZED_EXPENSES'
+  ) {
+    const ctaKey = {
+      IMPORTS_UNRESOLVED: 'budget.blockers.cta.imports',
+      IMPORT_UNRESOLVED_HOLDS: 'budget.blockers.cta.holds',
+      BUDGET_UNCATEGORIZED_EXPENSES: 'budget.blockers.cta.uncategorized',
+    } as const
+    const to =
+      blocker.code === 'IMPORT_UNRESOLVED_HOLDS'
+        ? `/review?month=${month}#holds`
+        : `/review?month=${month}`
+    return { to, label: t(ctaKey[blocker.code]) }
+  }
+  if (blocker.code === 'BUDGET_NEGATIVE_ENVELOPE') {
+    return { to: '/budget#categories', label: t('budget.blockers.cta.envelope') }
+  }
+  return null
+}
+
+interface BudgetBlockersProps {
+  blockers: readonly BudgetBlocker[]
+  month: string
+}
+
+export function BudgetBlockers({ blockers, month }: BudgetBlockersProps) {
+  const { t } = useTranslation()
+  return (
+    <ul className="blocker-list">
+      {blockers.map((blocker) => {
+        const cta = blockerCta(blocker, month, t)
+        return (
+          <li key={blocker.code} className="blocker-item">
+            <span>{blockerText(blocker, t)}</span>
+            {cta ? (
+              <Link className="blocker-link" to={cta.to}>
+                {cta.label}
+              </Link>
+            ) : null}
+          </li>
+        )
+      })}
+    </ul>
+  )
+}

frontend/src/components/budget/CategoryManagerModal.tsx

@@ -0,0 +1,222 @@
+import { useState } from 'react'
+import { zodResolver } from '@hookform/resolvers/zod'
+import { useForm } from 'react-hook-form'
+import { useTranslation } from 'react-i18next'
+import { z } from 'zod'
+import type { CategoryDefinition, CreatableCategoryKind } from '@/api/types'
+import { Badge } from '@/components/ui/Badge'
+import { Button } from '@/components/ui/Button'
+import { ConfirmDialog } from '@/components/ui/ConfirmDialog'
+import { SelectField, TextField } from '@/components/ui/fields'
+import { Modal } from '@/components/ui/Modal'
+import { QueryGate } from '@/components/ui/QueryGate'
+import {
+  useCategoryDefinitions,
+  useCreateCategory,
+  useUpdateCategoryDefinition,
+} from '@/hooks/useBudget'
+import { categoryLabel } from '@/lib/categoryLabel'
+
+const CREATE_KINDS: readonly CreatableCategoryKind[] = ['monthly', 'savings_envelope']
+
+function CreateCategoryForm() {
+  const { t } = useTranslation()
+  const create = useCreateCategory()
+  const schema = z.object({
+    name: z.string().trim().min(1, t('common.requiredField')),
+    kind: z.enum(['monthly', 'savings_envelope']),
+  })
+  type Values = z.infer<typeof schema>
+  const {
+    register,
+    handleSubmit,
+    reset,
+    formState: { errors },
+  } = useForm<Values>({
+    resolver: zodResolver(schema),
+    defaultValues: { name: '', kind: 'monthly' },
+  })
+
+  const submit = handleSubmit((values) => {
+    create.mutate(values, { onSuccess: () => reset({ name: '', kind: values.kind }) })
+  })
+
+  return (
+    <form className="manager-form" onSubmit={submit} noValidate>
+      <TextField
+        label={t('common.name')}
+        error={errors.name?.message}
+        {...register('name')}
+      />
+      <SelectField label={t('accounts.type')} error={errors.kind?.message} {...register('kind')}>
+        {CREATE_KINDS.map((kind) => (
+          <option key={kind} value={kind}>
+            {t(`budget.category.kind.${kind}`)}
+          </option>
+        ))}
+      </SelectField>
+      <Button type="submit" disabled={create.isPending}>
+        {create.isPending ? t('common.saving') : t('common.create')}
+      </Button>
+    </form>
+  )
+}
+
+function RenameModal({
+  definition,
+  onClose,
+}: {
+  definition: CategoryDefinition
+  onClose: () => void
+}) {
+  const { t } = useTranslation()
+  const update = useUpdateCategoryDefinition()
+  const schema = z.object({
+    name: z.string().trim().min(1, t('common.requiredField')),
+  })
+  type Values = z.infer<typeof schema>
+  const {
+    register,
+    handleSubmit,
+    formState: { errors },
+  } = useForm<Values>({
+    resolver: zodResolver(schema),
+    defaultValues: { name: definition.name ?? '' },
+  })
+
+  const submit = handleSubmit((values) => {
+    update.mutate(
+      { id: definition.id, payload: { name: values.name } },
+      { onSuccess: onClose },
+    )
+  })
+
+  return (
+    <Modal open onClose={onClose} title={t('budget.manager.renameTitle')}>
+      <form onSubmit={submit} noValidate className="form-grid">
+        <TextField label={t('common.name')} error={errors.name?.message} {...register('name')} />
+        <Button type="submit" disabled={update.isPending}>
+          {update.isPending ? t('common.saving') : t('common.save')}
+        </Button>
+      </form>
+    </Modal>
+  )
+}
+
+export function CategoryManagerModal({ onClose }: { onClose: () => void }) {
+  const { t } = useTranslation()
+  const definitions = useCategoryDefinitions()
+  const update = useUpdateCategoryDefinition()
+  const [tab, setTab] = useState<'active' | 'archived'>('active')
+  const [renameTarget, setRenameTarget] = useState<CategoryDefinition | null>(null)
+  const [archiveTarget, setArchiveTarget] = useState<CategoryDefinition | null>(null)
+  return (
+    <Modal open onClose={onClose} title={t('budget.manager.title')}>
+      <CreateCategoryForm />
+      <div className="manager-tabs" role="group" aria-label={t('budget.manager.tabsLabel')}>
+        <Button
+          variant={tab === 'active' ? 'primary' : 'subtle'}
+          aria-pressed={tab === 'active'}
+          onClick={() => setTab('active')}
+        >
+          {t('budget.manager.tabActive')}
+        </Button>
+        <Button
+          variant={tab === 'archived' ? 'primary' : 'subtle'}
+          aria-pressed={tab === 'archived'}
+          onClick={() => setTab('archived')}
+        >
+          {t('budget.manager.tabArchive')}
+        </Button>
+      </div>
+      <QueryGate query={definitions}>
+        {(all) => {
+          const list = all.filter((item) => (tab === 'active' ? !item.archived : item.archived))
+          if (list.length === 0) {
+            return (
+              <p className="muted">
+                {tab === 'active'
+                  ? t('budget.manager.emptyActive')
+                  : t('budget.manager.emptyArchive')}
+              </p>
+            )
+          }
+          return (
+            <ul className="manager-list">
+              {list.map((definition) => {
+                const isSystem = definition.systemKey !== null
+                return (
+                  <li key={definition.id} className="manager-row">
+                    <div className="manager-row-main">
+                      <span className="manager-row-name">
+                        {categoryLabel(definition, t)}
+                        {isSystem ? (
+                          <Badge tone="info">{t('budget.manager.systemBadge')}</Badge>
+                        ) : null}
+                        {definition.archived ? (
+                          <Badge tone="neutral">{t('accounts.status.archived')}</Badge>
+                        ) : null}
+                      </span>
+                      <span className="manager-row-meta">
+                        {t(`budget.category.kind.${definition.kind}`)}
+                        {isSystem ? ` · ${t('budget.manager.systemProtected')}` : ''}
+                      </span>
+                    </div>
+                    {!isSystem ? (
+                      <div className="inline-actions manager-row-actions">
+                        {!definition.archived ? (
+                          <>
+                            <Button
+                              variant="subtle"
+                              disabled={update.isPending}
+                              onClick={() => setRenameTarget(definition)}
+                            >
+                              {t('budget.manager.rename')}
+                            </Button>
+                            <Button
+                              variant="subtle"
+                              disabled={update.isPending}
+                              onClick={() => setArchiveTarget(definition)}
+                            >
+                              {t('budget.manager.archive')}
+                            </Button>
+                          </>
+                        ) : (
+                          <Button
+                            variant="subtle"
+                            disabled={update.isPending}
+                            onClick={() =>
+                              update.mutate({ id: definition.id, payload: { archived: false } })
+                            }
+                          >
+                            {t('budget.manager.restore')}
+                          </Button>
+                        )}
+                      </div>
+                    ) : null}
+                  </li>
+                )
+              })}
+            </ul>
+          )
+        }}
+      </QueryGate>
+      {renameTarget ? (
+        <RenameModal definition={renameTarget} onClose={() => setRenameTarget(null)} />
+      ) : null}
+      <ConfirmDialog
+        open={archiveTarget !== null}
+        danger
+        title={t('budget.manager.archiveTitle')}
+        body={t('budget.manager.archiveBody', { name: archiveTarget?.name ?? '' })}
+        confirmLabel={t('budget.manager.archive')}
+        onClose={() => setArchiveTarget(null)}
+        onConfirm={() => {
+          if (archiveTarget) {
+            update.mutate({ id: archiveTarget.id, payload: { archived: true } })
+          }
+        }}
+      />
+    </Modal>
+  )
+}

frontend/src/components/layout/AppLayout.tsx

@@ -16,7 +16,7 @@ const NAV_ITEMS = [
 ] as const
 
 const MOBILE_NAV_ITEMS = NAV_ITEMS.filter((item) =>
-  ['/', '/operations', '/imports', '/analytics', '/settings'].includes(item.to),
+  ['/', '/budget', '/operations', '/imports', '/review', '/accounts'].includes(item.to),
 )
 
 export function AppLayout() {

frontend/src/hooks/useAccounts.ts

@@ -1,7 +1,8 @@
 import { useMutation, useQuery, useQueryClient } from '@tanstack/react-query'
 import { api } from '@/api/endpoints'
 import { invalidationRoots, queryKeys } from '@/api/queryKeys'
-import type { CreateAccountPayload } from '@/api/types'
+import type { AdjustBalancePayload, CreateAccountPayload } from '@/api/types'
+import { isSystemAccount } from '@/api/types'
 import { useToast } from '@/components/ui/Toaster'
 import { useTranslation } from 'react-i18next'
 import { describeApiError } from '@/lib/apiErrors'
@@ -15,6 +16,13 @@ export function useActiveAccounts() {
   return { ...accounts, data: accounts.data?.filter((account) => account.status === 'active') }
 }
 
+/** Active non-system accounts: the savings system account is not a valid
+ * target for statements, expenses, incomes or refunds. */
+export function useUserAccounts() {
+  const accounts = useActiveAccounts()
+  return { ...accounts, data: accounts.data?.filter((account) => !isSystemAccount(account)) }
+}
+
 export function useCreateAccount() {
   const queryClient = useQueryClient()
   const { t } = useTranslation()
@@ -44,3 +52,21 @@ export function useArchiveAccount() {
     onError: (error) => toast.push('error', describeApiError(error, t)),
   })
 }
+
+export function useAdjustBalance() {
+  const queryClient = useQueryClient()
+  const { t } = useTranslation()
+  const toast = useToast()
+  return useMutation({
+    mutationFn: ({ id, payload }: { id: string; payload: AdjustBalancePayload }) =>
+      api.accounts.adjustBalance(id, payload),
+    onSuccess: () => {
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.accounts })
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.operations })
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.budget })
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.analytics })
+      toast.push('success', t('toast.balanceAdjusted'))
+    },
+    onError: (error) => toast.push('error', describeApiError(error, t)),
+  })
+}

frontend/src/hooks/useBudget.ts

@@ -1,6 +1,7 @@
 import { useMutation, useQuery, useQueryClient } from '@tanstack/react-query'
 import { api } from '@/api/endpoints'
 import { invalidationRoots, queryKeys } from '@/api/queryKeys'
+import type { CreateCategoryPayload, PatchCategoryDefinitionPayload } from '@/api/types'
 import { useToast } from '@/components/ui/Toaster'
 import { useTranslation } from 'react-i18next'
 import { describeApiError } from '@/lib/apiErrors'
@@ -16,6 +17,64 @@ export function useBudgetCategories(month: string) {
   })
 }
 
+export function useCategoryDefinitions() {
+  return useQuery({
+    queryKey: queryKeys.budgetCategoryDefinitions(),
+    queryFn: () => api.budget.categoryDefinitions(true),
+  })
+}
+
+function useCategoryDefinitionInvalidation() {
+  const queryClient = useQueryClient()
+  return () => {
+    void queryClient.invalidateQueries({ queryKey: invalidationRoots.budget })
+    void queryClient.invalidateQueries({ queryKey: invalidationRoots.operations })
+    void queryClient.invalidateQueries({ queryKey: invalidationRoots.analytics })
+  }
+}
+
+export function useCreateCategory() {
+  const invalidate = useCategoryDefinitionInvalidation()
+  const { t } = useTranslation()
+  const toast = useToast()
+  const onError = useBudgetErrorToaster()
+  return useMutation({
+    mutationFn: (payload: CreateCategoryPayload) => api.budget.createCategory(payload),
+    onSuccess: (definition) => {
+      invalidate()
+      toast.push('success', t('toast.categoryCreated', { name: definition.name ?? '' }))
+    },
+    onError,
+  })
+}
+
+export function useUpdateCategoryDefinition() {
+  const invalidate = useCategoryDefinitionInvalidation()
+  const { t } = useTranslation()
+  const toast = useToast()
+  const onError = useBudgetErrorToaster()
+  return useMutation({
+    mutationFn: ({
+      id,
+      payload,
+    }: {
+      id: string
+      payload: PatchCategoryDefinitionPayload
+    }) => api.budget.updateCategoryDefinition(id, payload),
+    onSuccess: (definition, variables) => {
+      invalidate()
+      if (variables.payload.archived === true) {
+        toast.push('success', t('toast.categoryArchived'))
+      } else if (variables.payload.archived === false) {
+        toast.push('success', t('toast.categoryRestored'))
+      } else {
+        toast.push('success', t('toast.categoryRenamed', { name: definition.name ?? '' }))
+      }
+    },
+    onError,
+  })
+}
+
 function useBudgetErrorToaster() {
   const { t } = useTranslation()
   const toast = useToast()

frontend/src/hooks/useImports.ts

@@ -4,6 +4,7 @@ import { invalidationRoots, queryKeys } from '@/api/queryKeys'
 import type {
   ConfirmImportPayload,
   ImportStatus,
+  ResolveHoldPayload,
   SaveRowDecisionPayload,
 } from '@/api/types'
 import { useToast } from '@/components/ui/Toaster'
@@ -11,10 +12,10 @@ import { useTranslation } from 'react-i18next'
 import { describeApiError } from '@/lib/apiErrors'
 import { importListPollInterval, importPollInterval } from '@/lib/importStatus'
 
-export function useImports() {
+export function useImports(month?: string) {
   return useQuery({
-    queryKey: queryKeys.imports(),
+    queryKey: queryKeys.imports(month),
-    queryFn: api.imports.list,
+    queryFn: () => api.imports.list(month),
     refetchInterval: (query) => {
       const statuses = query.state.data?.map((item) => item.status as ImportStatus)
       return importListPollInterval(statuses)
@@ -67,6 +68,25 @@ export function useSaveRowDecision(importId: string) {
   })
 }
 
+export function useResolveHold(importId: string) {
+  const queryClient = useQueryClient()
+  const { t } = useTranslation()
+  const toast = useToast()
+  return useMutation({
+    mutationFn: ({ rowId, payload }: { rowId: string; payload: ResolveHoldPayload }) =>
+      api.imports.resolveHold(importId, rowId, payload),
+    onSuccess: (updated) => {
+      queryClient.setQueryData(queryKeys.import(importId), updated)
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.imports })
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.operations })
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.accounts })
+      void queryClient.invalidateQueries({ queryKey: invalidationRoots.budget })
+      toast.push('success', t('toast.holdResolved'))
+    },
+    onError: (error) => toast.push('error', describeApiError(error, t)),
+  })
+}
+
 export function useConfirmImport(importId: string) {
   const queryClient = useQueryClient()
   const { t } = useTranslation()

frontend/src/hooks/useOperations.ts

@@ -55,3 +55,17 @@ export function useCategorizeOperation() {
     'toast.categoryAssigned',
   )
 }
+
+export function useConvertToSavings() {
+  return useLedgerMutation(
+    ({ id }: { id: string }) => api.operations.savingsTransfer(id),
+    'toast.convertedToSavings',
+  )
+}
+
+export function useRevertSavingsConversion() {
+  return useLedgerMutation(
+    ({ id }: { id: string }) => api.operations.savingsTransferRevert(id),
+    'toast.savingsConversionReverted',
+  )
+}

frontend/src/i18n/locales/en.json

@@ -88,7 +88,23 @@
     "validation_error": "Please check the form fields.",
     "conflict": "Data was changed elsewhere. Refresh and try again.",
     "rate_limited": "Too many attempts. Please wait a moment.",
-    "session_expired": "Your session has expired. Please sign in again."
+    "session_expired": "Your session has expired. Please sign in again.",
+    "LEDGER_ADJUST_NOOP": "The balance already equals the target — nothing to adjust.",
+    "LEDGER_ADJUST_TARGET_NEGATIVE": "The target balance cannot be negative.",
+    "LEDGER_ADJUST_REASON_REQUIRED": "An adjustment reason is required.",
+    "LEDGER_ACCOUNT_ARCHIVED": "The account is archived — restore it first.",
+    "LEDGER_SAVINGS_CONVERT_INVALID": "Only a confirmed expense in an open month can be converted to savings.",
+    "LEDGER_SAVINGS_REVERT_INVALID": "Only a previously converted transfer can be reverted to an expense.",
+    "LEDGER_SAVINGS_CONFLICT": "A system savings resource conflict was detected.",
+    "BUDGET_PERIOD_CLOSED": "The month is closed. Reopen it first.",
+    "BUDGET_CATEGORY_SYSTEM": "System categories cannot be renamed or archived.",
+    "BUDGET_CATEGORY_ARCHIVED": "The category is archived — restore it first.",
+    "BUDGET_CATEGORY_NAME_REQUIRED": "A category name is required.",
+    "BUDGET_CATEGORY_KIND_INVALID": "Unknown category kind.",
+    "IMPORT_HOLD_REASON_REQUIRED": "A resolution reason is required.",
+    "IMPORT_HOLD_ALREADY_RESOLVED": "This operation already has a resolution.",
+    "IMPORT_HOLD_DOCUMENT_NOT_CONFIRMED": "Holds can be resolved only after the import is applied.",
+    "IMPORT_HOLD_ACCOUNT_REQUIRED": "The statement account mapping is missing."
   },
   "auth": {
     "loginTitle": "Sign in",
@@ -120,7 +136,7 @@
   },
   "accounts": {
     "title": "Accounts",
-    "subtitle": "Debit, cash and credit accounts of the space.",
+    "subtitle": "Debit, cash, credit accounts and the system savings account.",
     "add": "Add account",
     "empty": "No accounts yet. Create your first account to start tracking.",
     "formTitle": "New account",
@@ -128,6 +144,8 @@
     "type.cash": "Cash",
     "type.debit": "Debit",
     "type.credit": "Credit card",
+    "type.savings": "Savings",
+    "systemBadge": "System",
     "bank": "Bank",
     "bankHint": "Optional, e.g. “alfa”",
     "maskedNumber": "Masked number",
@@ -143,7 +161,15 @@
     "archive": "Archive",
     "archiveBlockedHint": "Only an account with zero balance can be archived",
     "archiveConfirmTitle": "Archive account",
-    "archiveConfirmBody": "Account “{{name}}” will leave working lists but remain in history."
+    "archiveConfirmBody": "Account “{{name}}” will leave working lists but remain in history.",
+    "adjust": "Adjust",
+    "adjustTitle": "Adjust balance",
+    "adjustCurrentBalance": "Current balance",
+    "adjustTargetBalance": "New balance",
+    "adjustDate": "Adjustment date",
+    "adjustReason": "Reason",
+    "adjustReasonHint": "Required; kept in the audit journal",
+    "adjustNotice": "Adjusting changes the account balance directly: it is not income or expense. It never enters income, expenses, cash flow or the budget pool."
   },
   "operations": {
     "title": "Ledger",
@@ -162,6 +188,7 @@
     "kind.income": "Income",
     "kind.transfer": "Transfer",
     "kind.refund": "Refund",
+    "kind.adjustment": "Adjustment",
     "status.confirmed": "Confirmed",
     "status.voided": "Voided",
     "noCategory": "Uncategorized",
@@ -183,6 +210,12 @@
     "voidBody": "Operation of {{date}} for {{amount}} will be marked voided.",
     "voidReason": "Void reason",
     "voidReasonHint": "At least 3 characters",
+    "convert": "To savings",
+    "convertTitle": "Convert to savings",
+    "convertBody": "The expense of {{date}} for {{amount}} becomes a transfer to Savings: it leaves the month's expenses, grows the Savings account and reduces the common budget pool. You can revert this later.",
+    "revert": "Back to expense",
+    "revertTitle": "Revert to expense",
+    "revertBody": "The transfer of {{date}} for {{amount}} becomes a regular expense in the original category again; the common budget pool recalculates.",
     "prevPage": "Back",
     "nextPage": "Next"
   },
@@ -208,9 +241,27 @@
     "categories": "Categories",
     "reserves": "Credit reserves",
     "noCategories": "No categories this month yet. Copy the previous month or create a plan.",
+    "manageCategories": "Manage categories",
+    "savingsEnvelopeHint": "The Savings envelope is fed by transfers and account adjustments; it has no plan.",
     "category.kind.monthly": "Monthly",
     "category.kind.savings_envelope": "Envelope",
     "category.kind.credit_reserve": "Credit reserve",
+    "manager": {
+      "title": "Manage categories",
+      "tabsLabel": "Category lists",
+      "tabActive": "Active",
+      "tabArchive": "Archive",
+      "systemBadge": "System",
+      "systemProtected": "renaming and archiving are unavailable",
+      "rename": "Rename",
+      "archive": "Archive",
+      "restore": "Restore",
+      "renameTitle": "Rename category",
+      "archiveTitle": "Archive category",
+      "archiveBody": "Category “{{name}}” will leave new plans and categorization, history remains.",
+      "emptyActive": "No user categories yet — create the first one in the form above.",
+      "emptyArchive": "The category archive is empty."
+    },
     "planTitle": "Plan: {{name}}",
     "fundTitle": "Fund: {{name}}",
     "fund": "Fund",
@@ -223,13 +274,25 @@
     "income.status.partially_matched": "Partial",
     "income.status.matched": "Received",
     "blockersTitle": "Close is blocked",
-    "blockers.uncategorized_expenses": "There are expenses without a category.",
+    "blockers": {
-    "blockers.negative_envelope": "A savings envelope balance is negative.",
+      "IMPORTS_UNRESOLVED": "Statement imports are unfinished: {{count}}",
-    "blockers.unresolved_imports": "There are unfinished imports.",
+      "IMPORT_UNRESOLVED_HOLDS": "Unconfirmed operations without a resolution: {{count}}",
-    "blockers.open_decisions": "There are unresolved import decisions.",
+      "BUDGET_UNCATEGORIZED_EXPENSES": "Expenses without a category: {{count}}",
+      "BUDGET_NEGATIVE_ENVELOPE": "Negative envelope balance: {{categories}}",
+      "unknown": "Close is blocked by an unresolved reason.",
+      "cta": {
+        "imports": "Open review queue",
+        "holds": "Resolve operations",
+        "uncategorized": "Assign categories",
+        "envelope": "Open categories"
+      }
+    },
+    "warnings.plan_imbalance": "The plan exceeds the projected pool.",
     "warnings.plan_exceeds_pool": "The plan exceeds the projected pool.",
+    "warnings.underfunded_credit_debt": "Credit card debt is not fully funded.",
     "warnings.underfunded_credit": "Credit card debt is not fully funded.",
     "warnings.expected_income_variance": "Expected income deviates from actual.",
+    "warnings.unknown": "The month has another issue that needs review.",
     "close": "Close month",
     "closeConfirmTitle": "Close month",
     "closeConfirmBody": "{{month}} will be closed and monthly category leftovers will roll into the general pool.",
@@ -256,7 +319,13 @@
     "uploading": "Uploading…",
     "adapterHint": "Supported: Alfa debit/credit XLSX, Ozon debit/credit PDF, Rocketbank debit PDF.",
     "file": "Statement file",
+    "fileName": "Statement file",
     "targetAccount": "Target account",
+    "adapters.alfa_debit_xlsx": "Alfa debit",
+    "adapters.alfa_credit_xlsx": "Alfa credit",
+    "adapters.ozon_debit_pdf": "Ozon debit",
+    "adapters.ozon_credit_pdf": "Ozon credit",
+    "adapters.rocketbank_debit_pdf": "Rocketbank debit",
     "unassigned": "Unassigned",
     "empty": "No imports yet.",
     "bank": "Bank / contract",
@@ -289,6 +358,19 @@
     "blockers.unresolved_duplicate": "There are unresolved duplicates.",
     "blockers.unresolved_transfer": "There are unresolved transfers.",
     "blockers.account_conflict": "Account fingerprint conflicts with an existing one.",
+    "unresolvedHolds": "On hold",
+    "unresolvedHoldsBadge": "On-hold operations: {{count}}",
+    "holdBadge": "Hold",
+    "holdPosted": "Operation posted",
+    "holdPostedTitle": "Operation posted",
+    "holdPostedBody": "The held operation of {{date}} for {{amount}} will be posted to the statement account as a regular operation.",
+    "holdCancelled": "Operation cancelled",
+    "holdCancelledTitle": "Operation cancelled",
+    "holdCancelledBody": "The held operation of {{date}} for {{amount}} will be marked cancelled and never enters the ledger.",
+    "holdReason": "Resolution reason",
+    "holdReasonHint": "Required; kept in the audit journal",
+    "holdResolution.confirmed_as_posted": "Posted",
+    "holdResolution.discarded_as_cancelled": "Cancelled",
     "warnings": "Warnings ({{count}})",
     "warnings.amount_warning": "Unusual amount.",
     "warnings.date_warning": "Unusual date.",
@@ -303,7 +385,7 @@
     "reconciliation.mismatched": "Mismatched",
     "reconciliation.not_available": "Not available",
     "reconciliation.confirmed_without": "Confirmed without reconciliation",
-    "totals": "Rows: {{total}} · create: {{create}} · discard: {{discard}} · duplicates: {{duplicate}} · transfers: {{transfer}}",
+    "totals": "Rows: {{total}} · create: {{create}} · discard: {{discard}} · duplicates: {{duplicate}} · transfers: {{transfer}} · savings: {{savings}} · pending: {{pending}}",
     "rowsTitle": "Statement rows",
     "noRows": "No rows.",
     "rowWarnings": "Notes",
@@ -318,6 +400,7 @@
     "decision.discard": "Discard",
     "decision.duplicate": "Duplicate",
     "decision.transfer": "Transfer",
+    "decision.savings_transfer": "Savings transfer",
     "confirm": "Apply import",
     "confirmTitle": "Apply import",
     "confirmBody": "Operations will be created from the selected rows. Applying is atomic and can be reverted.",
@@ -372,9 +455,16 @@
   "toast": {
     "accountCreated": "Account “{{name}}” created",
     "accountArchived": "Account archived",
+    "balanceAdjusted": "Account balance adjusted",
     "operationCreated": "Operation created",
     "operationVoided": "Operation voided",
     "categoryAssigned": "Category assigned",
+    "convertedToSavings": "Expense converted to savings",
+    "savingsConversionReverted": "Transfer reverted to expense",
+    "categoryCreated": "Category “{{name}}” created",
+    "categoryRenamed": "Category renamed to “{{name}}”",
+    "categoryArchived": "Category archived",
+    "categoryRestored": "Category restored",
     "planUpdated": "Plan updated",
     "categoryFunded": "Category funded",
     "monthClosed": "Month closed",
@@ -383,6 +473,7 @@
     "importUploaded": "Statement uploaded, parsing started",
     "importConfirmed": "Import applied",
     "importReverted": "Import reverted",
+    "holdResolved": "Hold resolution saved",
     "reparseQueued": "Reparse queued",
     "exportQueued": "Export queued",
     "exportReady": "Export is ready to download",
@@ -394,7 +485,11 @@
     "subtitle": "This page does not exist. Check the address or go back to accounts.",
     "back": "To accounts"
   },
+  "account": {
+    "savings": "Savings"
+  },
   "categories": {
+    "uncategorized": "Uncategorized",
     "groceries": "Groceries",
     "transport": "Transport",
     "housing": "Housing",

frontend/src/i18n/locales/ru.json

@@ -88,7 +88,23 @@
     "validation_error": "Проверьте правильность заполнения полей.",
     "conflict": "Данные изменены кем-то другим. Обновите страницу и повторите.",
     "rate_limited": "Слишком много попыток. Подождите немного.",
-    "session_expired": "Сессия истекла. Войдите снова."
+    "session_expired": "Сессия истекла. Войдите снова.",
+    "LEDGER_ADJUST_NOOP": "Остаток уже равен целевому значению — менять нечего.",
+    "LEDGER_ADJUST_TARGET_NEGATIVE": "Целевой остаток не может быть отрицательным.",
+    "LEDGER_ADJUST_REASON_REQUIRED": "Укажите причину корректировки.",
+    "LEDGER_ACCOUNT_ARCHIVED": "Счёт в архиве — сначала восстановите его.",
+    "LEDGER_SAVINGS_CONVERT_INVALID": "Преобразовать в накопления можно только подтверждённый расход в открытом месяце.",
+    "LEDGER_SAVINGS_REVERT_INVALID": "Вернуть в расход можно только преобразованный ранее перевод.",
+    "LEDGER_SAVINGS_CONFLICT": "Обнаружен конфликт системных ресурсов накоплений.",
+    "BUDGET_PERIOD_CLOSED": "Месяц закрыт. Сначала откройте его заново.",
+    "BUDGET_CATEGORY_SYSTEM": "Системную категорию нельзя переименовать или архивировать.",
+    "BUDGET_CATEGORY_ARCHIVED": "Категория в архиве — сначала восстановите её.",
+    "BUDGET_CATEGORY_NAME_REQUIRED": "Укажите название категории.",
+    "BUDGET_CATEGORY_KIND_INVALID": "Неизвестный тип категории.",
+    "IMPORT_HOLD_REASON_REQUIRED": "Укажите причину решения по замороженной операции.",
+    "IMPORT_HOLD_ALREADY_RESOLVED": "По этой операции решение уже сохранено.",
+    "IMPORT_HOLD_DOCUMENT_NOT_CONFIRMED": "Решать замороженные операции можно только после применения импорта.",
+    "IMPORT_HOLD_ACCOUNT_REQUIRED": "Не указан счёт привязки выписки."
   },
   "auth": {
     "loginTitle": "Вход",
@@ -120,7 +136,7 @@
   },
   "accounts": {
     "title": "Счета",
-    "subtitle": "Дебетовые, наличные и кредитные счета пространства.",
+    "subtitle": "Дебетовые, наличные, кредитные и системный счёт накоплений.",
     "add": "Добавить счёт",
     "empty": "Счетов пока нет. Создайте первый счёт, чтобы начать учёт.",
     "formTitle": "Новый счёт",
@@ -128,6 +144,8 @@
     "type.cash": "Наличные",
     "type.debit": "Дебетовый",
     "type.credit": "Кредитная карта",
+    "type.savings": "Накопительный",
+    "systemBadge": "Системный",
     "bank": "Банк",
     "bankHint": "Необязательно, например «alfa»",
     "maskedNumber": "Маскированный номер",
@@ -143,7 +161,15 @@
     "archive": "В архив",
     "archiveBlockedHint": "Архивировать можно только счёт с нулевым остатком",
     "archiveConfirmTitle": "Архивировать счёт",
-    "archiveConfirmBody": "Счёт «{{name}}» скроется из рабочих списков, но останется в истории."
+    "archiveConfirmBody": "Счёт «{{name}}» скроется из рабочих списков, но останется в истории.",
+    "adjust": "Скорректировать",
+    "adjustTitle": "Корректировка остатка",
+    "adjustCurrentBalance": "Текущий остаток",
+    "adjustTargetBalance": "Новый остаток",
+    "adjustDate": "Дата корректировки",
+    "adjustReason": "Причина",
+    "adjustReasonHint": "Обязательно; попадёт в журнал аудита",
+    "adjustNotice": "Корректировка меняет остаток счёта напрямую: это не доход и не расход. Она не попадёт в доходы, расходы, денежный поток и общий пул бюджета."
   },
   "operations": {
     "title": "Гроссбух",
@@ -162,6 +188,7 @@
     "kind.income": "Доход",
     "kind.transfer": "Перевод",
     "kind.refund": "Возврат",
+    "kind.adjustment": "Корректировка",
     "status.confirmed": "Подтверждена",
     "status.voided": "Отменена",
     "noCategory": "Без категории",
@@ -183,6 +210,12 @@
     "voidBody": "Операция от {{date}} на {{amount}} будет помечена отменённой.",
     "voidReason": "Причина отмены",
     "voidReasonHint": "Минимум 3 символа",
+    "convert": "В накопления",
+    "convertTitle": "Перевести в накопления",
+    "convertBody": "Расход от {{date}} на {{amount}} станет переводом в «Накопления»: он уйдёт из расходов месяца, увеличит счёт «Накопления» и уменьшит общий бюджетный пул. Позже это можно вернуть.",
+    "revert": "Вернуть в расходы",
+    "revertTitle": "Вернуть в расходы",
+    "revertBody": "Перевод от {{date}} на {{amount}} снова станет обычным расходом исходной категории; общий бюджетный пул пересчитается.",
     "prevPage": "Назад",
     "nextPage": "Дальше"
   },
@@ -208,9 +241,27 @@
     "categories": "Категории",
     "reserves": "Резервы кредиток",
     "noCategories": "В этом месяце ещё нет категорий. Скопируйте прошлый месяц или создайте план.",
+    "manageCategories": "Управлять категориями",
+    "savingsEnvelopeHint": "Конверт «Накопления» наполняется переводами и корректировками счёта; план не задаётся.",
     "category.kind.monthly": "Месячная",
     "category.kind.savings_envelope": "Конверт",
     "category.kind.credit_reserve": "Резерв кредитки",
+    "manager": {
+      "title": "Управление категориями",
+      "tabsLabel": "Списки категорий",
+      "tabActive": "Активные",
+      "tabArchive": "Архив",
+      "systemBadge": "Системная",
+      "systemProtected": "переименование и архивирование недоступны",
+      "rename": "Переименовать",
+      "archive": "В архив",
+      "restore": "Восстановить",
+      "renameTitle": "Переименовать категорию",
+      "archiveTitle": "Архивировать категорию",
+      "archiveBody": "Категория «{{name}}» скроется из новых планов и разметки, но история останется.",
+      "emptyActive": "Пользовательских категорий пока нет — создайте первую в форме выше.",
+      "emptyArchive": "Архив категорий пуст."
+    },
     "planTitle": "План: {{name}}",
     "fundTitle": "Обеспечение: {{name}}",
     "fund": "Обеспечить",
@@ -223,13 +274,25 @@
     "income.status.partially_matched": "Частично",
     "income.status.matched": "Поступил",
     "blockersTitle": "Закрытие заблокировано",
-    "blockers.uncategorized_expenses": "Есть расходы без категории.",
+    "blockers": {
-    "blockers.negative_envelope": "Отрицательный баланс накопительного конверта.",
+      "IMPORTS_UNRESOLVED": "Не завершены импорты выписок: {{count}}",
-    "blockers.unresolved_imports": "Есть незавершённые импорты.",
+      "IMPORT_UNRESOLVED_HOLDS": "Неподтверждённые операции без решения: {{count}}",
-    "blockers.open_decisions": "Есть неразобранные решения по импорту.",
+      "BUDGET_UNCATEGORIZED_EXPENSES": "Расходы без категории: {{count}}",
+      "BUDGET_NEGATIVE_ENVELOPE": "Отрицательный остаток конверта: {{categories}}",
+      "unknown": "Закрытие заблокировано необработанной причиной.",
+      "cta": {
+        "imports": "Открыть очередь разбора",
+        "holds": "Разобрать операции",
+        "uncategorized": "Назначить категории",
+        "envelope": "Открыть категории"
+      }
+    },
+    "warnings.plan_imbalance": "План превышает прогнозный пул.",
     "warnings.plan_exceeds_pool": "План превышает прогнозный пул.",
+    "warnings.underfunded_credit_debt": "Долг по кредитке обеспечен не полностью.",
     "warnings.underfunded_credit": "Долг по кредитке обеспечен не полностью.",
     "warnings.expected_income_variance": "Ожидаемый доход расходится с фактическим.",
+    "warnings.unknown": "В месяце есть другая проблема, требующая проверки.",
     "close": "Закрыть месяц",
     "closeConfirmTitle": "Закрыть месяц",
     "closeConfirmBody": "Месяц {{month}} будет закрыт, остатки месячных категорий свернутся в общий пул.",
@@ -256,7 +319,13 @@
     "uploading": "Загрузка…",
     "adapterHint": "Поддерживаются: Альфа debit/credit XLSX, Ozon debit/credit PDF, Рокетбанк debit PDF.",
     "file": "Файл выписки",
+    "fileName": "Файл выписки",
     "targetAccount": "Счёт привязки",
+    "adapters.alfa_debit_xlsx": "Альфа debit",
+    "adapters.alfa_credit_xlsx": "Альфа credit",
+    "adapters.ozon_debit_pdf": "Ozon debit",
+    "adapters.ozon_credit_pdf": "Ozon credit",
+    "adapters.rocketbank_debit_pdf": "Рокетбанк debit",
     "unassigned": "Не привязан",
     "empty": "Импортов пока нет.",
     "bank": "Банк / контракт",
@@ -289,6 +358,19 @@
     "blockers.unresolved_duplicate": "Есть неразобранные дубликаты.",
     "blockers.unresolved_transfer": "Есть неразобранные переводы.",
     "blockers.account_conflict": "Отпечаток счёта конфликтует с существующим.",
+    "unresolvedHolds": "Замороженные",
+    "unresolvedHoldsBadge": "Замороженных операций: {{count}}",
+    "holdBadge": "Заморожена",
+    "holdPosted": "Операция списалась",
+    "holdPostedTitle": "Операция списалась",
+    "holdPostedBody": "Замороженная операция от {{date}} на {{amount}} будет проведена по счёту выписки как обычная операция.",
+    "holdCancelled": "Операция отменена",
+    "holdCancelledTitle": "Операция отменена",
+    "holdCancelledBody": "Замороженная операция от {{date}} на {{amount}} будет помечена отменённой и не попадёт в операции.",
+    "holdReason": "Причина решения",
+    "holdReasonHint": "Обязательно; попадёт в журнал аудита",
+    "holdResolution.confirmed_as_posted": "Проведена",
+    "holdResolution.discarded_as_cancelled": "Отменена",
     "warnings": "Предупреждения ({{count}})",
     "warnings.amount_warning": "Нестандартная сумма.",
     "warnings.date_warning": "Необычная дата.",
@@ -303,7 +385,7 @@
     "reconciliation.mismatched": "Расхождение",
     "reconciliation.not_available": "Данных для сверки нет",
     "reconciliation.confirmed_without": "Подтверждено без сверки",
-    "totals": "Строк: {{total}} · создать: {{create}} · пропустить: {{discard}} · дубликатов: {{duplicate}} · переводов: {{transfer}}",
+    "totals": "Строк: {{total}} · создать: {{create}} · пропустить: {{discard}} · дубликатов: {{duplicate}} · переводов: {{transfer}} · в накопления: {{savings}} · без решения: {{pending}}",
     "rowsTitle": "Строки выписки",
     "noRows": "Строк нет.",
     "rowWarnings": "Замечания",
@@ -318,6 +400,7 @@
     "decision.discard": "Пропустить",
     "decision.duplicate": "Это дубликат",
     "decision.transfer": "Это перевод",
+    "decision.savings_transfer": "Перевод в накопления",
     "confirm": "Применить импорт",
     "confirmTitle": "Применить импорт",
     "confirmBody": "Будут созданы операции по выбранным строкам. Применение атомарно, его можно отменить.",
@@ -374,9 +457,16 @@
   "toast": {
     "accountCreated": "Счёт «{{name}}» создан",
     "accountArchived": "Счёт отправлен в архив",
+    "balanceAdjusted": "Остаток счёта скорректирован",
     "operationCreated": "Операция создана",
     "operationVoided": "Операция отменена",
     "categoryAssigned": "Категория назначена",
+    "convertedToSavings": "Расход переведён в накопления",
+    "savingsConversionReverted": "Перевод возвращён в расходы",
+    "categoryCreated": "Категория «{{name}}» создана",
+    "categoryRenamed": "Категория переименована в «{{name}}»",
+    "categoryArchived": "Категория отправлена в архив",
+    "categoryRestored": "Категория восстановлена",
     "planUpdated": "План обновлён",
     "categoryFunded": "Категория обеспечена",
     "monthClosed": "Месяц закрыт",
@@ -385,6 +475,7 @@
     "importUploaded": "Выписка загружена, разбор запущен",
     "importConfirmed": "Импорт применён",
     "importReverted": "Импорт отменён",
+    "holdResolved": "Решение по замороженной операции сохранено",
     "reparseQueued": "Переразбор запущен",
     "exportQueued": "Экспорт поставлен в очередь",
     "exportReady": "Экспорт готов к скачиванию",
@@ -396,7 +487,11 @@
     "subtitle": "Такой страницы нет. Проверьте адрес или вернитесь к счетам.",
     "back": "К счетам"
   },
+  "account": {
+    "savings": "Накопления"
+  },
   "categories": {
+    "uncategorized": "Без категории",
     "groceries": "Продукты",
     "transport": "Транспорт",
     "housing": "Жильё",

frontend/src/lib/accountLabel.ts

@@ -0,0 +1,9 @@
+import type { TFunction } from 'i18next'
+import type { Account } from '@/api/types'
+
+export function accountLabel(account: Pick<Account, 'name' | 'nameKey'>, t: TFunction): string {
+  if (account.nameKey) {
+    return t(account.nameKey, { defaultValue: account.name })
+  }
+  return account.name
+}

frontend/src/lib/apiErrors.ts

@@ -0,0 +1,19 @@
+import { ApiError, isApiError } from '@/api/client'
+import { i18n } from '@/i18n'
+import type { TFunction } from 'i18next'
+
+export function describeApiError(error: unknown, t: TFunction): string {
+  if (isApiError(error)) {
+    const key = `errors.${error.code}`
+    if (i18n.exists(key)) return t(key)
+    if (error.detail) return error.detail
+    return t('errors.http', { status: error.status })
+  }
+  return t('errors.generic')
+}
+
+export function apiErrorCode(error: unknown): string | null {
+  return isApiError(error) ? error.code : null
+}
+
+export { ApiError, isApiError }

frontend/src/lib/categoryLabel.ts

@@ -0,0 +1,24 @@
+import type { TFunction } from 'i18next'
+
+interface NamedCategory {
+  name: string | null
+  nameKey: string | null
+}
+
+export function categoryLabel(category: NamedCategory, t: TFunction): string {
+  if (category.nameKey) {
+    return t(`categories.${category.nameKey}`, { defaultValue: category.name ?? category.nameKey })
+  }
+  return category.name ?? t('common.dash')
+}
+
+export function reportItemLabel(
+  name: string | null,
+  nameKey: string | null,
+  t: TFunction,
+): string {
+  if (nameKey) {
+    return t(`categories.${nameKey}`, { defaultValue: name ?? nameKey })
+  }
+  return name ?? t('analytics.unallocated')
+}

frontend/src/lib/dates.ts

@@ -0,0 +1,101 @@
+import type { Locale } from '@/api/types'
+
+const INTL_LOCALES: Record<Locale, string> = {
+  ru: 'ru-RU',
+  en: 'en-US',
+}
+
+const MONTH_RE = /^(\d{4})-(\d{2})$/
+
+function parseMonth(month: string): { year: number; monthIndex: number } | null {
+  const match = MONTH_RE.exec(month)
+  if (!match) return null
+  const year = Number(match[1])
+  const monthIndex = Number(match[2]) - 1
+  if (!Number.isInteger(year) || monthIndex < 0 || monthIndex > 11) return null
+  return { year, monthIndex }
+}
+
+export function todayISO(): string {
+  const now = new Date()
+  const year = String(now.getFullYear()).padStart(4, '0')
+  const month = String(now.getMonth() + 1).padStart(2, '0')
+  const day = String(now.getDate()).padStart(2, '0')
+  return `${year}-${month}-${day}`
+}
+
+export function monthOf(dateISO: string): string {
+  return dateISO.slice(0, 7)
+}
+
+export function currentMonth(): string {
+  return monthOf(todayISO())
+}
+
+export function shiftMonth(month: string, delta: number): string {
+  const parsed = parseMonth(month)
+  if (!parsed) return month
+  const date = new Date(Date.UTC(parsed.year, parsed.monthIndex + delta, 1))
+  const year = date.getUTCFullYear()
+  const m = String(date.getUTCMonth() + 1).padStart(2, '0')
+  return `${year}-${m}`
+}
+
+export function isValidMonth(month: string): boolean {
+  return parseMonth(month) !== null
+}
+
+export function formatMonth(month: string, locale: Locale): string {
+  const parsed = parseMonth(month)
+  if (!parsed) return month
+  const label = new Intl.DateTimeFormat(INTL_LOCALES[locale], {
+    month: 'long',
+    year: 'numeric',
+    timeZone: 'UTC',
+  }).format(new Date(Date.UTC(parsed.year, parsed.monthIndex, 1)))
+  return locale === 'ru' ? label.replace(' г.', '') : label
+}
+
+export function formatMonthShort(month: string, locale: Locale): string {
+  const parsed = parseMonth(month)
+  if (!parsed) return month
+  return new Intl.DateTimeFormat(INTL_LOCALES[locale], {
+    month: 'short',
+    timeZone: 'UTC',
+  }).format(new Date(Date.UTC(parsed.year, parsed.monthIndex, 1)))
+}
+
+export function formatDate(dateISO: string, locale: Locale): string {
+  const parsed = /^(\d{4})-(\d{2})-(\d{2})/.exec(dateISO)
+  if (!parsed) return dateISO
+  const date = new Date(Date.UTC(Number(parsed[1]), Number(parsed[2]) - 1, Number(parsed[3])))
+  return new Intl.DateTimeFormat(INTL_LOCALES[locale], {
+    day: 'numeric',
+    month: 'short',
+    year: '2-digit',
+    timeZone: 'UTC',
+  }).format(date)
+}
+
+export function formatDateTime(iso: string, locale: Locale): string {
+  const date = new Date(iso)
+  if (Number.isNaN(date.getTime())) return iso
+  return new Intl.DateTimeFormat(INTL_LOCALES[locale], {
+    dateStyle: 'short',
+    timeStyle: 'short',
+  }).format(date)
+}
+
+export function lastNMonths(count: number, endMonth = currentMonth()): string[] {
+  const months: string[] = []
+  for (let i = count - 1; i >= 0; i -= 1) months.push(shiftMonth(endMonth, -i))
+  return months
+}
+
+export function monthBounds(month: string): { start: string; end: string } {
+  const parsed = parseMonth(month)
+  if (!parsed) return { start: month, end: month }
+  const lastDay = new Date(Date.UTC(parsed.year, parsed.monthIndex + 1, 0)).getUTCDate()
+  const end = `${parsed.year}-${String(parsed.monthIndex + 1).padStart(2, '0')}-${String(lastDay).padStart(2, '0')}`
+  return { start: `${month}-01`, end }
+}

frontend/src/lib/importStatus.ts

@@ -0,0 +1,21 @@
+import type { ImportStatus } from '@/api/types'
+
+export const IMPORT_POLL_MS = 2000
+
+const ACTIVE_STATUSES = new Set<ImportStatus>(['uploaded', 'queued', 'processing'])
+
+export function isTerminalImportStatus(status: ImportStatus): boolean {
+  return !ACTIVE_STATUSES.has(status)
+}
+
+export function importPollInterval(status: ImportStatus | undefined): number | false {
+  if (!status || isTerminalImportStatus(status)) return false
+  return IMPORT_POLL_MS
+}
+
+export function importListPollInterval(
+  statuses: ImportStatus[] | undefined,
+): number | false {
+  if (!statuses) return false
+  return statuses.some((status) => !isTerminalImportStatus(status)) ? IMPORT_POLL_MS : false
+}

frontend/src/lib/locale.ts

@@ -0,0 +1,5 @@
+import type { Locale } from '@/api/types'
+
+export function currentLocale(language: string | undefined): Locale {
+  return language?.toLowerCase().startsWith('ru') ? 'ru' : 'en'
+}

frontend/src/lib/money.ts

@@ -0,0 +1,46 @@
+import type { Locale } from '@/api/types'
+
+const INTL_LOCALES: Record<Locale, string> = {
+  ru: 'ru-RU',
+  en: 'en-US',
+}
+
+export function formatMoney(kopecks: number, locale: Locale): string {
+  return new Intl.NumberFormat(INTL_LOCALES[locale], {
+    style: 'currency',
+    currency: 'RUB',
+    currencyDisplay: 'narrowSymbol',
+    maximumFractionDigits: 2,
+  }).format(kopecks / 100)
+}
+
+export function formatSignedMoney(kopecks: number, locale: Locale, sign: -1 | 1): string {
+  const formatted = formatMoney(Math.abs(kopecks), locale)
+  return sign === -1 ? `−${formatted}` : `+${formatted}`
+}
+
+export function kopecksToInput(kopecks: number): string {
+  const sign = kopecks < 0 ? '-' : ''
+  const abs = Math.abs(kopecks)
+  const rubles = Math.trunc(abs / 100)
+  const frac = String(abs % 100).padStart(2, '0')
+  return frac === '00' ? `${sign}${rubles}` : `${sign}${rubles}.${frac}`
+}
+
+export function parseAmountToKopecks(raw: string): number | null {
+  const cleaned = raw.replace(/[\s\u00A0\u202F']/g, '').replace(',', '.')
+  const match = /^([+-]?)(\d+)(?:\.(\d{1,2}))?$/.exec(cleaned)
+  if (!match) return null
+  const sign = match[1] ?? ''
+  const rubles = match[2] ?? '0'
+  const frac = match[3] ?? ''
+  const kopecks = Number(rubles) * 100 + (frac === '' ? 0 : Number(frac.padEnd(2, '0')))
+  if (!Number.isSafeInteger(kopecks)) return null
+  return sign === '-' ? -kopecks : kopecks
+}
+
+export function sumKopecks(values: Iterable<number>): number {
+  let total = 0
+  for (const value of values) total += value
+  return total
+}

frontend/src/lib/operationFormat.ts

@@ -0,0 +1,41 @@
+import type { Locale, Operation } from '@/api/types'
+import { formatMoney } from '@/lib/money'
+
+export interface OperationAmountView {
+  text: string
+  tone: 'neg' | 'pos' | 'transfer'
+}
+
+export function operationAmount(operation: Operation, locale: Locale): OperationAmountView {
+  const amount = formatMoney(operation.amountKopecks, locale)
+  switch (operation.kind) {
+    case 'expense':
+      return { text: `−${amount}`, tone: 'neg' }
+    case 'income':
+    case 'refund':
+      return { text: `+${amount}`, tone: 'pos' }
+    case 'transfer':
+    case 'adjustment':
+      // Transfers move money between own accounts and an adjustment carries the
+      // sign in its single posting, so both render without an income/expense sign.
+      return { text: amount, tone: 'transfer' }
+  }
+}
+
+export const OPERATION_KIND_TONES = {
+  expense: 'danger',
+  income: 'accent',
+  refund: 'info',
+  transfer: 'neutral',
+  adjustment: 'neutral',
+} as const
+
+export const IMPORT_STATUS_TONES = {
+  uploaded: 'info',
+  queued: 'info',
+  processing: 'info',
+  review_required: 'warn',
+  ready: 'accent',
+  confirmed: 'accent',
+  failed: 'danger',
+} as const

frontend/src/pages/AccountsPage.tsx

@@ -3,7 +3,8 @@ import { zodResolver } from '@hookform/resolvers/zod'
 import { useForm } from 'react-hook-form'
 import { useTranslation } from 'react-i18next'
 import { z } from 'zod'
-import type { Account, AccountType } from '@/api/types'
+import type { Account } from '@/api/types'
+import { isSystemAccount } from '@/api/types'
 import { Badge } from '@/components/ui/Badge'
 import { Button } from '@/components/ui/Button'
 import { ConfirmDialog } from '@/components/ui/ConfirmDialog'
@@ -12,14 +13,20 @@ import { MoneyField, SelectField, TextField } from '@/components/ui/fields'
 import { Modal } from '@/components/ui/Modal'
 import { PageHeader } from '@/components/ui/PageHeader'
 import { QueryGate } from '@/components/ui/QueryGate'
-import { useAccounts, useArchiveAccount, useCreateAccount } from '@/hooks/useAccounts'
+import {
-import { formatDate } from '@/lib/dates'
+  useAccounts,
-import { formatMoney, parseAmountToKopecks, sumKopecks } from '@/lib/money'
+  useAdjustBalance,
+  useArchiveAccount,
+  useCreateAccount,
+} from '@/hooks/useAccounts'
+import { accountLabel } from '@/lib/accountLabel'
+import { formatDate, todayISO } from '@/lib/dates'
+import { formatMoney, kopecksToInput, parseAmountToKopecks, sumKopecks } from '@/lib/money'
 import { currentLocale } from '@/lib/locale'
 
 interface AccountFormValues {
   name: string
-  type: AccountType
+  type: 'cash' | 'debit' | 'credit'
   openedOn: string
   openingBalance: string
   bankCode: string
@@ -113,6 +120,84 @@ function useMemoSchema() {
   })
 }
 
+function AdjustBalanceModal({
+  account,
+  onClose,
+}: {
+  account: Account
+  onClose: () => void
+}) {
+  const { t, i18n } = useTranslation()
+  const locale = currentLocale(i18n.language)
+  const adjust = useAdjustBalance()
+  const schema = z.object({
+    targetBalance: z
+      .string()
+      .refine((value) => (parseAmountToKopecks(value) ?? -1) >= 0, t('errors.badAmount')),
+    occurredOn: z.string().regex(/^\d{4}-\d{2}-\d{2}$/, t('common.requiredField')),
+    reason: z.string().trim().min(1, t('common.requiredField')),
+  })
+  type Values = z.infer<typeof schema>
+  const {
+    register,
+    handleSubmit,
+    formState: { errors },
+  } = useForm<Values>({
+    resolver: zodResolver(schema),
+    defaultValues: {
+      targetBalance: kopecksToInput(account.balanceKopecks),
+      occurredOn: todayISO(),
+      reason: '',
+    },
+  })
+
+  const submit = handleSubmit((values) => {
+    adjust.mutate(
+      {
+        id: account.id,
+        payload: {
+          targetBalanceKopecks: parseAmountToKopecks(values.targetBalance) ?? 0,
+          occurredOn: values.occurredOn,
+          reason: values.reason,
+        },
+      },
+      { onSuccess: onClose },
+    )
+  })
+
+  return (
+    <Modal open onClose={onClose} title={t('accounts.adjustTitle')}>
+      <form onSubmit={submit} noValidate className="form-grid">
+        <p className="adjust-notice">{t('accounts.adjustNotice')}</p>
+        <div className="adjust-current">
+          <span>{t('accounts.adjustCurrentBalance')}</span>
+          <strong className="num">{formatMoney(account.balanceKopecks, locale)}</strong>
+        </div>
+        <MoneyField
+          label={t('accounts.adjustTargetBalance')}
+          error={errors.targetBalance?.message}
+          {...register('targetBalance')}
+        />
+        <TextField
+          label={t('accounts.adjustDate')}
+          type="date"
+          error={errors.occurredOn?.message}
+          {...register('occurredOn')}
+        />
+        <TextField
+          label={t('accounts.adjustReason')}
+          hint={t('accounts.adjustReasonHint')}
+          error={errors.reason?.message}
+          {...register('reason')}
+        />
+        <Button type="submit" disabled={adjust.isPending}>
+          {adjust.isPending ? t('common.saving') : t('accounts.adjust')}
+        </Button>
+      </form>
+    </Modal>
+  )
+}
+
 export function AccountsPage() {
   const { t, i18n } = useTranslation()
   const locale = currentLocale(i18n.language)
@@ -126,6 +211,7 @@ export function AccountsPage() {
   const liabilities = sumKopecks(
     active.filter((a) => a.type === 'credit').map((a) => a.balanceKopecks),
   )
+  const [adjustTarget, setAdjustTarget] = useState<Account | null>(null)
 
   return (
     <>
@@ -174,52 +260,67 @@ export function AccountsPage() {
                 </tr>
               </thead>
               <tbody>
-                {list.map((account) => (
+                {list.map((account) => {
-                  <tr key={account.id}>
+                  const system = isSystemAccount(account)
-                    <th scope="row" data-label={t('common.name')}>
+                  return (
-                      {account.name}
+                    <tr key={account.id}>
-                      {account.maskedNumber ? (
+                      <th scope="row" data-label={t('common.name')}>
-                        <span className="muted"> · {account.maskedNumber}</span>
+                        {accountLabel(account, t)}
-                      ) : null}
+                        {system ? <Badge tone="info">{t('accounts.systemBadge')}</Badge> : null}
-                    </th>
+                        {account.maskedNumber ? (
-                    <td data-label={t('accounts.type')}>
+                          <span className="muted"> · {account.maskedNumber}</span>
-                      <Badge tone={account.type === 'credit' ? 'warn' : 'info'}>
+                        ) : null}
-                        {t(`accounts.type.${account.type}`)}
+                      </th>
-                      </Badge>
+                      <td data-label={t('accounts.type')}>
-                    </td>
+                        <Badge tone={account.type === 'credit' ? 'warn' : 'info'}>
-                    <td data-label={t('accounts.bank')}>{account.bankCode ?? '—'}</td>
+                          {t(`accounts.type.${account.type}`)}
-                    <td data-label={t('accounts.openedOn')}>
+                        </Badge>
-                      {formatDate(account.openedOn, locale)}
+                      </td>
-                    </td>
+                      <td data-label={t('accounts.bank')}>{account.bankCode ?? '—'}</td>
-                    <td data-label={t('common.status')}>
+                      <td data-label={t('accounts.openedOn')}>
-                      <Badge tone={account.status === 'active' ? 'accent' : 'neutral'}>
+                        {formatDate(account.openedOn, locale)}
-                        {t(`accounts.status.${account.status}`)}
+                      </td>
-                      </Badge>
+                      <td data-label={t('common.status')}>
-                    </td>
+                        <Badge tone={account.status === 'active' ? 'accent' : 'neutral'}>
-                    <td
+                          {t(`accounts.status.${account.status}`)}
-                      data-label={t('accounts.balance')}
+                        </Badge>
-                      className={`num ${account.type === 'credit' ? 'neg' : 'pos'}`}
+                      </td>
-                    >
+                      <td
-                      {formatMoney(account.balanceKopecks, locale)}
+                        data-label={t('accounts.balance')}
-                    </td>
+                        className={`num ${account.type === 'credit' ? 'neg' : 'pos'}`}
-                    <td data-label={t('common.actions')}>
+                      >
-                      {account.status === 'active' ? (
+                        {formatMoney(account.balanceKopecks, locale)}
-                        <Button
+                      </td>
-                          variant="subtle"
+                      <td data-label={t('common.actions')}>
-                          disabled={account.balanceKopecks !== 0}
+                        <span className="inline-actions">
-                          title={
+                          {account.status === 'active' ? (
-                            account.balanceKopecks !== 0
+                            <>
-                              ? t('accounts.archiveBlockedHint')
+                              {account.type !== 'credit' ? (
-                              : undefined
+                                <Button variant="subtle" onClick={() => setAdjustTarget(account)}>
-                          }
+                                  {t('accounts.adjust')}
-                          onClick={() => setArchiveTarget(account)}
+                                </Button>
-                        >
+                              ) : null}
-                          {t('accounts.archive')}
+                              {!system ? (
-                        </Button>
+                                <Button
-                      ) : null}
+                                  variant="subtle"
-                    </td>
+                                  disabled={account.balanceKopecks !== 0}
-                  </tr>
+                                  title={
-                ))}
+                                    account.balanceKopecks !== 0
+                                      ? t('accounts.archiveBlockedHint')
+                                      : undefined
+                                  }
+                                  onClick={() => setArchiveTarget(account)}
+                                >
+                                  {t('accounts.archive')}
+                                </Button>
+                              ) : null}
+                            </>
+                          ) : null}
+                        </span>
+                      </td>
+                    </tr>
+                  )
+                })}
               </tbody>
             </table>
           )}
@@ -228,6 +329,9 @@ export function AccountsPage() {
       <Modal open={createOpen} onClose={() => setCreateOpen(false)} title={t('accounts.formTitle')}>
         <AccountForm onDone={() => setCreateOpen(false)} />
       </Modal>
+      {adjustTarget ? (
+        <AdjustBalanceModal account={adjustTarget} onClose={() => setAdjustTarget(null)} />
+      ) : null}
       <ConfirmDialog
         open={archiveTarget !== null}
         danger

frontend/src/pages/BudgetPage.tsx

@@ -7,6 +7,8 @@ import type { BudgetCategory } from '@/api/types'
 import { Badge } from '@/components/ui/Badge'
 import { Button } from '@/components/ui/Button'
 import { ConfirmDialog } from '@/components/ui/ConfirmDialog'
+import { BudgetBlockers } from '@/components/budget/BudgetBlockers'
+import { CategoryManagerModal } from '@/components/budget/CategoryManagerModal'
 import { MoneyField } from '@/components/ui/fields'
 import { Modal } from '@/components/ui/Modal'
 import { MonthSwitcher } from '@/components/ui/MonthSwitcher'
@@ -26,6 +28,8 @@ import { formatDate, currentMonth, formatMonth } from '@/lib/dates'
 import { currentLocale } from '@/lib/locale'
 import { formatMoney, kopecksToInput, parseAmountToKopecks } from '@/lib/money'
 
+const BLOCKER_WARNING_CODES = new Set(['uncategorized_expenses', 'negative_envelopes'])
+
 function PlanModal({
   category,
   month,
@@ -134,6 +138,7 @@ export function BudgetPage() {
   const [fundTarget, setFundTarget] = useState<BudgetCategory | null>(null)
   const [closeConfirmOpen, setCloseConfirmOpen] = useState(false)
   const [reopenConfirmOpen, setReopenConfirmOpen] = useState(false)
+  const [managerOpen, setManagerOpen] = useState(false)
 
   const status = summary.data?.status
   const allCategories = categories.data ?? []
@@ -141,37 +146,62 @@ export function BudgetPage() {
     (category) => category.kind !== 'credit_reserve' && !category.archived,
   )
   const reserves = allCategories.filter((category) => category.kind === 'credit_reserve')
+  const supplementalWarnings =
+    summary.data?.warnings.filter((warning) => !BLOCKER_WARNING_CODES.has(warning.code)) ?? []
 
   const renderCategoryRows = (rows: BudgetCategory[]) =>
-    rows.map((category) => (
+    rows.map((category) => {
-      <tr key={category.id}>
+      const isSystemCategory = category.system
-        <th scope="row" data-label={t('common.name')}>
+      const systemHint =
-          {categoryLabel(category, t)}
+        category.nameKey === 'savings'
-          <Badge tone={category.kind === 'savings_envelope' ? 'info' : 'neutral'}>
+          ? t('budget.savingsEnvelopeHint')
-            {t(`budget.category.kind.${category.kind}`)}
+          : t('budget.manager.systemNote')
-          </Badge>
+      return (
-        </th>
+        <tr key={category.id}>
-        <td data-label={t('budget.planned')}>
+          <th scope="row" data-label={t('common.name')}>
-          <Button variant="subtle" onClick={() => setPlanTarget(category)}>
+            {categoryLabel(category, t)}
-            {formatMoney(category.plannedKopecks, locale)}
+            {isSystemCategory ? (
-          </Button>
+              <Badge tone="info">{t('budget.manager.systemBadge')}</Badge>
-        </td>
+            ) : (
-        <td data-label={t('budget.funded')}>
+              <Badge tone={category.kind === 'savings_envelope' ? 'info' : 'neutral'}>
-          <Button variant="subtle" onClick={() => setFundTarget(category)}>
+                {t(`budget.category.kind.${category.kind}`)}
-            {formatMoney(category.fundedKopecks, locale)}
+              </Badge>
-          </Button>
+            )}
-        </td>
+          </th>
-        <td data-label={t('budget.spent')} className="num">
+          <td data-label={t('budget.planned')}>
-          {formatMoney(category.spentKopecks, locale)}
+            {isSystemCategory ? (
-        </td>
+              <span className="num" title={systemHint}>
-        <td
+                {formatMoney(category.plannedKopecks, locale)}
-          data-label={t('budget.remaining')}
+              </span>
-          className={`num ${category.availableKopecks < 0 ? 'neg' : 'pos'}`}
+            ) : (
-        >
+              <Button variant="subtle" onClick={() => setPlanTarget(category)}>
-          {formatMoney(category.availableKopecks, locale)}
+                {formatMoney(category.plannedKopecks, locale)}
-        </td>
+              </Button>
-      </tr>
+            )}
-    ))
+          </td>
+          <td data-label={t('budget.funded')}>
+            {isSystemCategory ? (
+              <span className="num" title={systemHint}>
+                {formatMoney(category.fundedKopecks, locale)}
+              </span>
+            ) : (
+              <Button variant="subtle" onClick={() => setFundTarget(category)}>
+                {formatMoney(category.fundedKopecks, locale)}
+              </Button>
+            )}
+          </td>
+          <td data-label={t('budget.spent')} className="num">
+            {formatMoney(category.spentKopecks, locale)}
+          </td>
+          <td
+            data-label={t('budget.remaining')}
+            className={`num ${category.availableKopecks < 0 ? 'neg' : 'pos'}`}
+          >
+            {formatMoney(category.availableKopecks, locale)}
+          </td>
+        </tr>
+      )
+    })
 
   return (
     <>
@@ -217,21 +247,17 @@ export function BudgetPage() {
       {summary.data && summary.data.blockers.length > 0 ? (
         <div className="banner banner-danger" role="alert">
           <strong>{t('budget.blockersTitle')}</strong>
-          <ul>
+          <BudgetBlockers blockers={summary.data.blockers} month={month} />
-            {summary.data.blockers.map((blocker) => (
-              <li key={blocker.code}>
-                {t(`budget.blockers.${blocker.code}`, { defaultValue: blocker.message ?? blocker.code })}
-              </li>
-            ))}
-          </ul>
         </div>
       ) : null}
-      {summary.data && summary.data.warnings.length > 0 ? (
+      {supplementalWarnings.length > 0 ? (
         <div className="banner banner-warn">
           <ul>
-            {summary.data.warnings.map((warning) => (
+            {supplementalWarnings.map((warning) => (
               <li key={warning.code}>
-                {t(`budget.warnings.${warning.code}`, { defaultValue: warning.message ?? warning.code })}
+                {t(`budget.warnings.${warning.code}`, {
+                  defaultValue: t('budget.warnings.unknown'),
+                })}
               </li>
             ))}
           </ul>
@@ -308,8 +334,13 @@ export function BudgetPage() {
                 </table>
               </section>
             ) : null}
-            <section aria-label={t('budget.categories')}>
+            <section aria-label={t('budget.categories')} id="categories">
-              <h2 className="section-title">{t('budget.categories')}</h2>
+              <div className="section-heading categories-heading">
+                <h2 className="section-title">{t('budget.categories')}</h2>
+                <Button variant="subtle" onClick={() => setManagerOpen(true)}>
+                  {t('budget.manageCategories')}
+                </Button>
+              </div>
               {userCategories.length === 0 ? (
                 <p className="muted">{t('budget.noCategories')}</p>
               ) : (
@@ -355,6 +386,7 @@ export function BudgetPage() {
       {fundTarget ? (
         <FundModal category={fundTarget} month={month} onClose={() => setFundTarget(null)} />
       ) : null}
+      {managerOpen ? <CategoryManagerModal onClose={() => setManagerOpen(false)} /> : null}
       <ConfirmDialog
         open={closeConfirmOpen}
         danger

frontend/src/pages/ImportDetailPage.tsx

@@ -1,11 +1,14 @@
 import { useState } from 'react'
+import { zodResolver } from '@hookform/resolvers/zod'
+import { useForm } from 'react-hook-form'
 import { useTranslation } from 'react-i18next'
 import { Link, useParams } from 'react-router-dom'
-import type { RowDecision } from '@/api/types'
+import { z } from 'zod'
+import type { HoldResolutionAction, ImportRow, RowDecision } from '@/api/types'
 import { Badge } from '@/components/ui/Badge'
 import { Button } from '@/components/ui/Button'
 import { ConfirmDialog } from '@/components/ui/ConfirmDialog'
-import { TextField } from '@/components/ui/fields'
+import { TextareaField, TextField } from '@/components/ui/fields'
 import { Modal } from '@/components/ui/Modal'
 import { PageHeader } from '@/components/ui/PageHeader'
 import { QueryGate } from '@/components/ui/QueryGate'
@@ -13,6 +16,7 @@ import {
   useConfirmImport,
   useImport,
   useReparseImport,
+  useResolveHold,
   useRevertImport,
   useSaveRowDecision,
 } from '@/hooks/useImports'
@@ -26,6 +30,7 @@ const DECISIONS: readonly Exclude<RowDecision, 'pending'>[] = [
   'discard',
   'duplicate',
   'transfer',
+  'savings_transfer',
 ]
 
 const STEP_ORDER = ['uploaded', 'queued', 'processing', 'review_required', 'confirmed'] as const
@@ -37,6 +42,76 @@ function stepIndexFor(status: string): number {
   return index === -1 ? 0 : index
 }
 
+function HoldResolveModal({
+  importId,
+  row,
+  action,
+  onClose,
+}: {
+  importId: string
+  row: ImportRow
+  action: HoldResolutionAction
+  onClose: () => void
+}) {
+  const { t, i18n } = useTranslation()
+  const locale = currentLocale(i18n.language)
+  const resolve = useResolveHold(importId)
+  const schema = z.object({
+    reason: z.string().trim().min(1, t('common.requiredField')),
+  })
+  type Values = z.infer<typeof schema>
+  const {
+    register,
+    handleSubmit,
+    formState: { errors },
+  } = useForm<Values>({
+    resolver: zodResolver(schema),
+    defaultValues: { reason: '' },
+  })
+
+  const submit = handleSubmit((values) => {
+    resolve.mutate(
+      { rowId: row.id, payload: { action, reason: values.reason } },
+      { onSuccess: onClose },
+    )
+  })
+
+  return (
+    <Modal
+      open
+      onClose={onClose}
+      title={
+        action === 'confirm_as_posted'
+          ? t('imports.holdPostedTitle')
+          : t('imports.holdCancelledTitle')
+      }
+    >
+      <form onSubmit={submit} noValidate className="form-grid">
+        <p className="muted">
+          {action === 'confirm_as_posted'
+            ? t('imports.holdPostedBody', {
+                date: formatDate(row.occurredOn, locale),
+                amount: formatMoney(row.amountKopecks, locale),
+              })
+            : t('imports.holdCancelledBody', {
+                date: formatDate(row.occurredOn, locale),
+                amount: formatMoney(row.amountKopecks, locale),
+              })}
+        </p>
+        <TextareaField
+          label={t('imports.holdReason')}
+          hint={t('imports.holdReasonHint')}
+          error={errors.reason?.message}
+          {...register('reason')}
+        />
+        <Button type="submit" variant="primary" disabled={resolve.isPending}>
+          {resolve.isPending ? t('common.saving') : t('common.confirm')}
+        </Button>
+      </form>
+    </Modal>
+  )
+}
+
 function ConfirmModal({
   importId,
   needsConfirmation,
@@ -101,6 +176,7 @@ export function ImportDetailPage() {
 
   const [confirmOpen, setConfirmOpen] = useState(false)
   const [revertOpen, setRevertOpen] = useState(false)
+  const [holdTarget, setHoldTarget] = useState<{ row: ImportRow; action: HoldResolutionAction } | null>(null)
 
   const status = detail.data?.status
   const needsConfirmation =
@@ -134,6 +210,9 @@ export function ImportDetailPage() {
         }
       />
       {status ? <Badge tone={IMPORT_STATUS_TONES[status]}>{t(`imports.status.${status}`)}</Badge> : null}
+      {detail.data && detail.data.unresolvedHoldCount > 0 ? (
+        <Badge tone="warn">{t('imports.unresolvedHoldsBadge', { count: detail.data.unresolvedHoldCount })}</Badge>
+      ) : null}
       <QueryGate query={detail}>
         {(data) => (
           <>
@@ -225,6 +304,8 @@ export function ImportDetailPage() {
                   discard: data.totals.discard,
                   duplicate: data.totals.duplicate,
                   transfer: data.totals.transfer,
+                  savings: data.totals.savingsTransfer,
+                  pending: data.totals.pending,
                 })}
               </p>
             </section>
@@ -262,7 +343,9 @@ export function ImportDetailPage() {
                           {formatMoney(row.amountKopecks, locale)}
                         </td>
                         <td data-label={t('imports.rowWarnings')} className="statement-warnings">
-                          {row.warnings.length === 0 ? (
+                          {row.bankStatus === 'hold' ? (
+                            <span className="chip">{t('imports.holdBadge')}</span>
+                          ) : row.warnings.length === 0 ? (
                             '—'
                           ) : (
                             <ul className="chip-list">
@@ -275,26 +358,71 @@ export function ImportDetailPage() {
                           )}
                         </td>
                         <td data-label={t('imports.decision')} className="statement-decision">
-                          <select
+                          {row.bankStatus === 'hold' ? (
-                            className="input select"
+                            row.holdResolution ? (
-                            aria-label={t('imports.decision')}
+                              <div className="hold-history">
-                            value={row.decision === 'pending' ? '' : row.decision}
+                                <Badge
-                            onChange={(event) =>
+                                  tone={
-                              saveDecision.mutate({
+                                    row.holdResolution.resolution === 'confirmed_as_posted'
-                                rowId: row.id,
+                                      ? 'accent'
-                                payload: {
+                                      : 'neutral'
-                                  decision: event.target.value as Exclude<RowDecision, 'pending'>,
+                                  }
-                                },
+                                >
-                              })
+                                  {t(
-                            }
+                                    `imports.holdResolution.${row.holdResolution.resolution}`,
-                          >
+                                  )}
-                            <option value="">{t('imports.decision.pending')}</option>
+                                </Badge>
-                            {DECISIONS.map((decision) => (
+                                {row.holdResolution.reason ? (
-                              <option key={decision} value={decision}>
+                                  <span className="muted">{row.holdResolution.reason}</span>
-                                {t(`imports.decision.${decision}`)}
+                                ) : null}
-                              </option>
+                                {row.holdResolution.resolvedAt ? (
-                            ))}
+                                  <span className="muted">
-                          </select>
+                                    {formatDateTime(row.holdResolution.resolvedAt, locale)}
+                                  </span>
+                                ) : null}
+                              </div>
+                            ) : (
+                              <div className="inline-actions">
+                                <Button
+                                  variant="subtle"
+                                  onClick={() =>
+                                    setHoldTarget({ row, action: 'confirm_as_posted' })
+                                  }
+                                >
+                                  {t('imports.holdPosted')}
+                                </Button>
+                                <Button
+                                  variant="subtle"
+                                  onClick={() =>
+                                    setHoldTarget({ row, action: 'discard_as_cancelled' })
+                                  }
+                                >
+                                  {t('imports.holdCancelled')}
+                                </Button>
+                              </div>
+                            )
+                          ) : (
+                            <select
+                              className="input select"
+                              aria-label={t('imports.decision')}
+                              value={row.decision === 'pending' ? '' : row.decision}
+                              onChange={(event) =>
+                                saveDecision.mutate({
+                                  rowId: row.id,
+                                  payload: {
+                                    decision: event.target.value as Exclude<RowDecision, 'pending'>,
+                                  },
+                                })
+                              }
+                            >
+                              <option value="">{t('imports.decision.pending')}</option>
+                              {DECISIONS.map((decision) => (
+                                <option key={decision} value={decision}>
+                                  {t(`imports.decision.${decision}`)}
+                                </option>
+                              ))}
+                            </select>
+                          )}
                         </td>
                       </tr>
                     ))}
@@ -302,6 +430,14 @@ export function ImportDetailPage() {
                 </table>
               )}
             </section>
+            {holdTarget ? (
+              <HoldResolveModal
+                importId={data.id}
+                row={holdTarget.row}
+                action={holdTarget.action}
+                onClose={() => setHoldTarget(null)}
+              />
+            ) : null}
             {confirmOpen ? (
               <ConfirmModal
                 importId={data.id}

frontend/src/pages/ImportsPage.tsx

@@ -8,15 +8,16 @@ import { SelectField } from '@/components/ui/fields'
 import { Modal } from '@/components/ui/Modal'
 import { PageHeader } from '@/components/ui/PageHeader'
 import { QueryGate } from '@/components/ui/QueryGate'
-import { useActiveAccounts } from '@/hooks/useAccounts'
+import { useUserAccounts } from '@/hooks/useAccounts'
 import { useImports, useUploadImport } from '@/hooks/useImports'
+import { accountLabel } from '@/lib/accountLabel'
 import { formatDateTime } from '@/lib/dates'
 import { currentLocale } from '@/lib/locale'
 import { IMPORT_STATUS_TONES } from '@/lib/operationFormat'
 
 function UploadModal({ onClose }: { onClose: () => void }) {
   const { t } = useTranslation()
-  const accounts = useActiveAccounts()
+  const accounts = useUserAccounts()
   const upload = useUploadImport()
   const [accountId, setAccountId] = useState('')
   const [file, setFile] = useState<File | null>(null)
@@ -62,7 +63,7 @@ function UploadModal({ onClose }: { onClose: () => void }) {
           <option value="">{t('common.choose')}</option>
           {(accounts.data ?? []).map((account) => (
             <option key={account.id} value={account.id}>
-              {account.name}
+              {accountLabel(account, t)}
             </option>
           ))}
         </SelectField>

frontend/src/pages/OperationsPage.tsx

@@ -5,6 +5,7 @@ import { useTranslation } from 'react-i18next'
 import type { TFunction } from 'i18next'
 import { z } from 'zod'
 import type { Account, Operation, OperationFilters, OperationKind, OperationStatus } from '@/api/types'
+import { isSystemAccount } from '@/api/types'
 import { Badge } from '@/components/ui/Badge'
 import { Button } from '@/components/ui/Button'
 import { EmptyState } from '@/components/ui/EmptyState'
@@ -13,12 +14,15 @@ import { Modal } from '@/components/ui/Modal'
 import { PageHeader } from '@/components/ui/PageHeader'
 import { QueryGate } from '@/components/ui/QueryGate'
 import { useBudgetCategories } from '@/hooks/useBudget'
-import { useActiveAccounts } from '@/hooks/useAccounts'
+import { useActiveAccounts, useUserAccounts } from '@/hooks/useAccounts'
 import {
+  useConvertToSavings,
   useCreateOperation,
   useOperations,
+  useRevertSavingsConversion,
   useVoidOperation,
 } from '@/hooks/useOperations'
+import { accountLabel } from '@/lib/accountLabel'
 import { categoryLabel } from '@/lib/categoryLabel'
 import { currentMonth, formatDate, todayISO } from '@/lib/dates'
 import { currentLocale } from '@/lib/locale'
@@ -50,7 +54,7 @@ function AccountSelect({
       <option value="">{t('common.choose')}</option>
       {(accounts ?? []).map((account) => (
         <option key={account.id} value={account.id}>
-          {account.name}
+          {accountLabel(account, t)}
         </option>
       ))}
     </SelectField>
@@ -60,7 +64,7 @@ function AccountSelect({
 function ExpenseForm({ onDone }: { onDone: () => void }) {
   const { t } = useTranslation()
   const create = useCreateOperation()
-  const accounts = useActiveAccounts()
+  const accounts = useUserAccounts()
   const categories = useBudgetCategories(currentMonth())
   const schema = z.object({
     accountId: z.string().min(1, t('common.requiredField')),
@@ -143,7 +147,7 @@ function ExpenseForm({ onDone }: { onDone: () => void }) {
 function IncomeForm({ onDone }: { onDone: () => void }) {
   const { t } = useTranslation()
   const create = useCreateOperation()
-  const accounts = useActiveAccounts()
+  const accounts = useUserAccounts()
   const schema = z.object({
     accountId: z.string().min(1, t('common.requiredField')),
     amount: amountField(t),
@@ -297,7 +301,7 @@ function RefundForm({ onDone }: { onDone: () => void }) {
   const { t, i18n } = useTranslation()
   const locale = currentLocale(i18n.language)
   const create = useCreateOperation()
-  const accounts = useActiveAccounts()
+  const accounts = useUserAccounts()
   const recent = useOperations({ kind: 'expense', limit: 20 })
   const schema = z.object({
     accountId: z.string().min(1, t('common.requiredField')),
@@ -447,6 +451,76 @@ function VoidModal({ operation, onClose }: { operation: Operation; onClose: () =
 
 const PAGE_SIZE = 50
 
+function SavingsConvertModal({
+  operation,
+  onClose,
+}: {
+  operation: Operation
+  onClose: () => void
+}) {
+  const { t, i18n } = useTranslation()
+  const locale = currentLocale(i18n.language)
+  const convert = useConvertToSavings()
+  return (
+    <Modal open onClose={onClose} title={t('operations.convertTitle')}>
+      <div className="form-grid">
+        <p className="muted">
+          {t('operations.convertBody', {
+            date: formatDate(operation.occurredOn, locale),
+            amount: formatMoney(operation.amountKopecks, locale),
+          })}
+        </p>
+        <div className="modal-actions">
+          <Button variant="subtle" onClick={onClose}>
+            {t('common.cancel')}
+          </Button>
+          <Button
+            disabled={convert.isPending}
+            onClick={() => convert.mutate({ id: operation.id }, { onSuccess: onClose })}
+          >
+            {t('operations.convert')}
+          </Button>
+        </div>
+      </div>
+    </Modal>
+  )
+}
+
+function SavingsRevertModal({
+  operation,
+  onClose,
+}: {
+  operation: Operation
+  onClose: () => void
+}) {
+  const { t, i18n } = useTranslation()
+  const locale = currentLocale(i18n.language)
+  const revert = useRevertSavingsConversion()
+  return (
+    <Modal open onClose={onClose} title={t('operations.revertTitle')}>
+      <div className="form-grid">
+        <p className="muted">
+          {t('operations.revertBody', {
+            date: formatDate(operation.occurredOn, locale),
+            amount: formatMoney(operation.amountKopecks, locale),
+          })}
+        </p>
+        <div className="modal-actions">
+          <Button variant="subtle" onClick={onClose}>
+            {t('common.cancel')}
+          </Button>
+          <Button
+            disabled={revert.isPending}
+            onClick={() => revert.mutate({ id: operation.id }, { onSuccess: onClose })}
+          >
+            {t('operations.revert')}
+          </Button>
+        </div>
+      </div>
+    </Modal>
+  )
+}
+
 export function OperationsPage() {
   const { t, i18n } = useTranslation()
   const locale = currentLocale(i18n.language)
@@ -481,9 +555,13 @@ export function OperationsPage() {
   const operations = useOperations(filters)
   const [createOpen, setCreateOpen] = useState(false)
   const [voidTarget, setVoidTarget] = useState<Operation | null>(null)
+  const [convertTarget, setConvertTarget] = useState<Operation | null>(null)
+  const [revertTarget, setRevertTarget] = useState<Operation | null>(null)
 
-  const accountName = (id: string | null) =>
+  const accountName = (id: string | null) => {
-    accounts.data?.find((account) => account.id === id)?.name ?? '—'
+    const account = accounts.data?.find((item) => item.id === id)
+    return account ? accountLabel(account, t) : '—'
+  }
 
   const goNext = () => {
     const next = operations.data?.nextCursor
@@ -536,7 +614,7 @@ export function OperationsPage() {
           <option value="">{t('operations.filterAll')}</option>
           {(accounts.data ?? []).map((account) => (
             <option key={account.id} value={account.id}>
-              {account.name}
+              {accountLabel(account, t)}
             </option>
           ))}
         </SelectField>
@@ -618,6 +696,22 @@ export function OperationsPage() {
               <tbody>
                 {page.items.map((operation) => {
                   const amount = operationAmount(operation, locale)
+                  const isConvertedTransfer =
+                    operation.kind === 'transfer' && operation.convertedFromExpense
+                  const sourceAccount =
+                    accounts.data?.find((item) => item.id === operation.accountId) ?? null
+                  const canConvert =
+                    operation.kind === 'expense' &&
+                    operation.status === 'confirmed' &&
+                    !(sourceAccount && isSystemAccount(sourceAccount))
+                  const categoryText =
+                    operation.kind === 'adjustment'
+                      ? '—'
+                      : operation.categoryKey
+                        ? t(`categories.${operation.categoryKey}`, {
+                            defaultValue: operation.categoryName ?? operation.categoryKey,
+                          })
+                        : operation.categoryName ?? t('operations.noCategory')
                   return (
                     <tr
                       key={operation.id}
@@ -644,16 +738,34 @@ export function OperationsPage() {
                           : ''}
                       </td>
                       <td data-label={t('operations.category')} className="operation-category">
-                        {operation.categoryName ?? t('operations.noCategory')}
+                        {categoryText}
                       </td>
                       <td data-label={t('common.amount')} className={`operation-amount num ${amount.tone}`}>
                         {amount.text}
                       </td>
                       <td data-label={t('common.actions')} className="operation-actions">
                         {operation.status === 'confirmed' ? (
-                          <Button variant="subtle" onClick={() => setVoidTarget(operation)}>
+                          <span className="inline-actions">
-                            {t('operations.void')}
+                            {canConvert ? (
-                          </Button>
+                              <Button
+                                variant="subtle"
+                                onClick={() => setConvertTarget(operation)}
+                              >
+                                {t('operations.convert')}
+                              </Button>
+                            ) : null}
+                            {isConvertedTransfer ? (
+                              <Button
+                                variant="subtle"
+                                onClick={() => setRevertTarget(operation)}
+                              >
+                                {t('operations.revert')}
+                              </Button>
+                            ) : null}
+                            <Button variant="subtle" onClick={() => setVoidTarget(operation)}>
+                              {t('operations.void')}
+                            </Button>
+                          </span>
                         ) : null}
                       </td>
                     </tr>
@@ -676,6 +788,12 @@ export function OperationsPage() {
       {voidTarget ? (
         <VoidModal operation={voidTarget} onClose={() => setVoidTarget(null)} />
       ) : null}
+      {convertTarget ? (
+        <SavingsConvertModal operation={convertTarget} onClose={() => setConvertTarget(null)} />
+      ) : null}
+      {revertTarget ? (
+        <SavingsRevertModal operation={revertTarget} onClose={() => setRevertTarget(null)} />
+      ) : null}
     </>
   )
 }

frontend/src/pages/OverviewPage.tsx

@@ -1,5 +1,6 @@
 import { Link } from 'react-router-dom'
 import { useTranslation } from 'react-i18next'
+import { BudgetBlockers } from '@/components/budget/BudgetBlockers'
 import { PageHeader } from '@/components/ui/PageHeader'
 import { QueryGate } from '@/components/ui/QueryGate'
 import { useBudgetCategories, useBudgetSummary } from '@/hooks/useBudget'
@@ -61,7 +62,7 @@ export function OverviewPage() {
               <aside className="decision-panel">
                 <div className="section-heading"><h2>{t('overview.closeReadiness')}</h2><span>{data.blockers.length} {t('overview.blockers')}</span></div>
                 {data.blockers.length > 0 ? (
-                  <ul>{data.blockers.map((blocker) => <li key={blocker.code}>{t(`budget.blockers.${blocker.code}`, { defaultValue: blocker.message ?? blocker.code })}</li>)}</ul>
+                  <BudgetBlockers blockers={data.blockers} month={month} />
                 ) : <p>{t('overview.readyToClose')}</p>}
                 {attentionImports.length > 0 ? <p>{t('overview.importsNeedReview', { count: attentionImports.length })}</p> : null}
                 <Link className="btn btn-subtle" to="/review">{t('overview.reviewBlockers')}</Link>

frontend/src/pages/ReviewQueuePage.tsx

@@ -1,20 +1,25 @@
 import { useState } from 'react'
 import { useTranslation } from 'react-i18next'
-import { Link } from 'react-router-dom'
+import { Link, useSearchParams } from 'react-router-dom'
-import type { BudgetCategory, Operation } from '@/api/types'
+import type { BudgetCategory, ImportSummary, Operation } from '@/api/types'
 import { Badge } from '@/components/ui/Badge'
 import { Button } from '@/components/ui/Button'
 import { EmptyState } from '@/components/ui/EmptyState'
+import { MonthSwitcher } from '@/components/ui/MonthSwitcher'
 import { PageHeader } from '@/components/ui/PageHeader'
 import { QueryGate } from '@/components/ui/QueryGate'
 import { useBudgetCategories } from '@/hooks/useBudget'
 import { useCategorizeOperation, useOperations } from '@/hooks/useOperations'
 import { useImports } from '@/hooks/useImports'
 import { categoryLabel } from '@/lib/categoryLabel'
-import { currentMonth, formatDateTime } from '@/lib/dates'
+import { currentMonth, formatDateTime, isValidMonth, monthBounds } from '@/lib/dates'
 import { currentLocale } from '@/lib/locale'
 import { IMPORT_STATUS_TONES } from '@/lib/operationFormat'
 
+function needsAttention(item: ImportSummary): boolean {
+  return item.status === 'review_required' || item.status === 'failed' || item.unresolvedHoldCount > 0
+}
+
 function UncategorizedRow({
   operation,
   categories,
@@ -68,23 +73,41 @@ function UncategorizedRow({
 export function ReviewQueuePage() {
   const { t, i18n } = useTranslation()
   const locale = currentLocale(i18n.language)
-  const imports = useImports()
+  const [searchParams, setSearchParams] = useSearchParams()
-  const uncategorized = useOperations({ uncategorized: true, status: 'confirmed', limit: 50 })
-  const categories = useBudgetCategories(currentMonth())
 
-  const problematicImports = (imports.data ?? []).filter(
+  const monthParam = searchParams.get('month')
-    (item) => item.status === 'review_required' || item.status === 'failed',
+  const month = monthParam && isValidMonth(monthParam) ? monthParam : currentMonth()
-  )
+  const bounds = monthBounds(month)
+
+  const setMonth = (next: string) => {
+    setSearchParams(next === currentMonth() ? {} : { month: next })
+  }
+
+  const imports = useImports(month)
+  const uncategorized = useOperations({
+    uncategorized: true,
+    status: 'confirmed',
+    limit: 50,
+    occurredFrom: bounds.start,
+    occurredTo: bounds.end,
+  })
+  const categories = useBudgetCategories(month)
+
+  const problematicImports = (imports.data ?? []).filter(needsAttention)
   const hasWork = problematicImports.length > 0 || (uncategorized.data?.items.length ?? 0) > 0
 
   return (
     <>
-      <PageHeader title={t('review.title')} subtitle={t('review.subtitle')} />
+      <PageHeader
+        title={t('review.title')}
+        subtitle={t('review.subtitle')}
+        actions={<MonthSwitcher month={month} onChange={setMonth} />}
+      />
       {imports.isPending || uncategorized.isPending ? null : !hasWork ? (
         <EmptyState title={t('review.empty')} />
       ) : null}
       {problematicImports.length > 0 ? (
-        <section aria-label={t('review.sectionImports')}>
+        <section id="holds" aria-label={t('review.sectionImports')}>
           <h2 className="section-title">{t('review.sectionImports')}</h2>
           <table className="data-table">
             <caption className="visually-hidden">{t('review.sectionImports')}</caption>
@@ -93,6 +116,7 @@ export function ReviewQueuePage() {
                 <th scope="col">{t('imports.fileName')}</th>
                 <th scope="col">{t('imports.bank')}</th>
                 <th scope="col">{t('common.status')}</th>
+                <th scope="col">{t('imports.unresolvedHolds')}</th>
                 <th scope="col">{t('imports.createdAt')}</th>
                 <th scope="col">{t('common.actions')}</th>
               </tr>
@@ -103,12 +127,23 @@ export function ReviewQueuePage() {
                   <th scope="row" data-label={t('imports.fileName')}>
                     {item.fileName}
                   </th>
-                  <td data-label={t('imports.bank')}>{item.bankAdapter}</td>
+                  <td data-label={t('imports.bank')}>
+                    {t(`imports.adapters.${item.bankAdapter}`, {
+                      defaultValue: item.bankAdapter,
+                    })}
+                  </td>
                   <td data-label={t('common.status')}>
                     <Badge tone={IMPORT_STATUS_TONES[item.status]}>
                       {t(`imports.status.${item.status}`)}
                     </Badge>
                   </td>
+                  <td data-label={t('imports.unresolvedHolds')} className="num">
+                    {item.unresolvedHoldCount > 0 ? (
+                      <Badge tone="warn">{item.unresolvedHoldCount}</Badge>
+                    ) : (
+                      '0'
+                    )}
+                  </td>
                   <td data-label={t('imports.createdAt')}>
                     {formatDateTime(item.createdAt, locale)}
                   </td>

frontend/src/styles/global.css

@@ -545,6 +545,16 @@ input[type='file']::file-selector-button { min-height: 30px; margin-right: 10px;
 .banner-success { color: var(--green); background: var(--green-soft); border-color: #82c7a1; }
 .banner summary { cursor: pointer; font-weight: 600; }
 
+.blocker-list { display: grid; gap: 8px; margin: 8px 0 0; padding: 0; list-style: none; }
+.blocker-item { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
+.blocker-link { color: var(--blue); font-weight: 600; white-space: nowrap; }
+
+.adjust-notice { margin: 0; padding: 10px 12px; color: var(--amber); background: var(--amber-soft); border: 1px solid #e5c16a; font-size: 12px; }
+.adjust-current { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; color: #9d9d98; font-family: var(--font-data); font-size: 10px; text-transform: uppercase; }
+.adjust-current strong { color: var(--white); font-size: 20px; text-transform: none; }
+
+.hold-history { display: grid; gap: 4px; justify-items: start; font-size: 12px; }
+
 .modal {
   width: min(430px, 100vw);
   max-width: none;
@@ -580,6 +590,22 @@ input[type='file']::file-selector-button { min-height: 30px; margin-right: 10px;
 .month-switch { display: inline-flex; align-items: center; }
 .month-label { min-width: 145px; text-align: center; font-family: var(--font-data); font-size: 11px; font-weight: 600; }
 
+.categories-heading { margin: 34px 0 14px; }
+.categories-heading .section-title { margin: 0; }
+
+.manager-form { display: grid; grid-template-columns: minmax(0, 1fr) minmax(130px, auto) auto; gap: 10px; align-items: end; margin-bottom: 18px; }
+.manager-form .btn { min-height: 44px; }
+.manager-tabs { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; margin-bottom: 14px; border: 1px solid #3d3d3a; }
+.manager-tabs .btn { min-width: 0; color: #858580; border: 0; border-right: 1px solid #3d3d3a; font-family: var(--font-data); font-size: 10px; }
+.manager-tabs .btn:last-child { border-right: 0; }
+.manager-tabs .btn-primary { color: var(--white); background: var(--blue); }
+.manager-list { display: grid; gap: 0; margin: 0; padding: 0; list-style: none; border-top: 1px solid #3d3d3a; }
+.manager-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; padding: 10px 0; border-bottom: 1px solid #3d3d3a; }
+.manager-row-main { display: grid; gap: 3px; min-width: 0; }
+.manager-row-name { font-weight: 500; }
+.manager-row-meta { color: #858580; font-family: var(--font-data); font-size: 10px; }
+.manager-row-actions .btn { min-height: 30px; padding: 5px 8px; font-size: 11px; }
+
 .steps {
   display: grid;
   grid-template-columns: repeat(5, 1fr);
@@ -665,6 +691,7 @@ input[type='file']::file-selector-button { min-height: 30px; margin-right: 10px;
 .decision-panel li { padding: 10px 0; color: #d5d5d1; border-bottom: 1px solid #323230; font-size: 12px; }
 .decision-panel p { color: #b9b9b5; font-size: 12px; }
 .decision-panel .btn { width: 100%; color: #a8a8a3; background: #2e2e2c; border: 0; }
+.decision-panel .blocker-link { color: #a9c4ff; }
 .category-pulse { padding-top: 4px; }
 .pulse-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
 .pulse-item { display: grid; grid-template-columns: 1fr auto; gap: 5px 12px; min-width: 0; padding: 16px; background: var(--white); border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
@@ -727,7 +754,7 @@ input[type='file']::file-selector-button { min-height: 30px; margin-right: 10px;
     inset: auto 0 0;
     z-index: 50;
     display: grid;
-    grid-template-columns: repeat(5, 1fr);
+    grid-template-columns: repeat(6, 1fr);
     min-height: 62px;
     background: var(--white);
     border-top: 1px solid var(--line);
@@ -743,6 +770,11 @@ input[type='file']::file-selector-button { min-height: 30px; margin-right: 10px;
   .page-actions { justify-content: flex-end; }
   .page-actions-row { justify-content: flex-end; }
   .page-actions .btn { min-height: 34px; padding-inline: 10px; font-size: 11px; }
+  .view-budget .page-header,
+  .view-review .page-header { flex-direction: column; gap: 14px; }
+  .view-budget .page-actions,
+  .view-budget .page-actions-row,
+  .view-review .page-actions { width: 100%; justify-content: flex-start; }
   .stats { grid-template-columns: repeat(3, minmax(0, 1fr)); margin-inline: -14px; }
   .stat { padding: 14px 10px; }
   .stat:nth-child(n + 4) { display: none; }
@@ -765,6 +797,10 @@ input[type='file']::file-selector-button { min-height: 30px; margin-right: 10px;
   .decision-panel li { color: var(--ink); }
   .decision-panel li { border-color: #e0c57f; }
   .decision-panel .btn { color: var(--ink); background: transparent; border: 1px solid var(--ink); }
+  .decision-panel .blocker-link { color: var(--blue); }
+  .manager-form { grid-template-columns: 1fr; }
+  .manager-row-actions { width: 100%; }
+  .manager-row-actions .btn { flex: 1; }
   .pulse-grid { display: block; border: 0; }
   .pulse-item { padding: 13px 0; border-width: 0 0 1px; background: transparent; }
   .mobile-primary-action { position: fixed; right: 12px; bottom: 72px; z-index: 45; display: block; }

frontend/src/test/account-adjustment.test.tsx

@@ -0,0 +1,125 @@
+import { describe, expect, it, vi, beforeEach, afterEach } from 'vitest'
+import userEvent from '@testing-library/user-event'
+import { within } from '@testing-library/react'
+import { api } from '@/api/endpoints'
+import type { Account, AdjustBalanceResult } from '@/api/types'
+import { AccountsPage } from '@/pages/AccountsPage'
+import { renderWithProviders } from './helpers'
+
+vi.mock('@/api/endpoints', () => ({
+  api: {
+    accounts: {
+      list: vi.fn(),
+      create: vi.fn(),
+      archive: vi.fn(),
+      adjustBalance: vi.fn(),
+    },
+  },
+}))
+
+const listMock = vi.mocked(api.accounts.list)
+const adjustBalanceMock = vi.mocked(api.accounts.adjustBalance)
+
+function account(overrides: Partial<Account> = {}): Account {
+  return {
+    id: 'a1',
+    name: 'Alfa Card',
+    type: 'debit',
+    status: 'active',
+    bankCode: 'alfa',
+    maskedNumber: null,
+    openedOn: '2026-01-15',
+    currency: 'RUB',
+    systemKey: null,
+    nameKey: null,
+    balanceKopecks: 123456,
+    ...overrides,
+  }
+}
+
+describe('AccountsPage balance adjustment', () => {
+  beforeEach(() => {
+    listMock.mockResolvedValue([
+      account(),
+      account({
+        id: 'a-sys',
+        name: 'Накопления',
+        nameKey: 'account.savings',
+        type: 'savings',
+        systemKey: 'savings',
+        balanceKopecks: 4500000,
+      }),
+    ])
+  })
+
+  afterEach(() => {
+    vi.clearAllMocks()
+  })
+
+  it('renders the savings system account with a system badge and without archive', async () => {
+    const screen = renderWithProviders(<AccountsPage />)
+    const savingsNameCell = (
+      await screen.findAllByText('Savings')
+    ).find((element) => element.tagName === 'TH')
+    expect(savingsNameCell).toBeDefined()
+    expect(screen.getByText('System')).toBeInTheDocument()
+
+    const savingsRow = savingsNameCell?.closest('tr')
+    expect(savingsRow?.textContent).toContain('45,000.00')
+    const archiveButtons = screen.getAllByRole('button', { name: 'Archive' })
+    expect(archiveButtons).toHaveLength(1)
+  })
+
+  it('adjusts the balance through the drawer with kopeck conversion and reason', async () => {
+    adjustBalanceMock.mockResolvedValue({ id: 'op-1' } as unknown as AdjustBalanceResult)
+    const screen = renderWithProviders(<AccountsPage />)
+    const savingsNameCell = (
+      await screen.findAllByText('Savings')
+    ).find((element) => element.tagName === 'TH')
+    const savingsRow = savingsNameCell?.closest('tr')
+
+    const adjustButtonsInRow = Array.from(savingsRow?.querySelectorAll('button') ?? []).filter(
+      (button) => button.textContent === 'Adjust',
+    )
+    await userEvent.click(adjustButtonsInRow[0] as HTMLButtonElement)
+
+    const dialog = await screen.findByRole('dialog', { name: 'Adjust balance' })
+    expect(dialog).toBeInTheDocument()
+    expect(screen.getByText('Current balance')).toBeInTheDocument()
+    expect(screen.getByText(/not income or expense/i)).toBeInTheDocument()
+
+    const targetInput = screen.getByLabelText('New balance')
+    expect(targetInput).toHaveValue('45000')
+    await userEvent.clear(targetInput)
+    await userEvent.type(targetInput, '50000')
+    await userEvent.type(screen.getByLabelText('Reason'), 'Bank interest payout')
+
+    await userEvent.click(within(dialog).getByRole('button', { name: 'Adjust' }))
+
+    expect(adjustBalanceMock).toHaveBeenCalledTimes(1)
+    expect(adjustBalanceMock).toHaveBeenCalledWith('a-sys', {
+      targetBalanceKopecks: 5000000,
+      occurredOn: expect.stringMatching(/^\d{4}-\d{2}-\d{2}$/),
+      reason: 'Bank interest payout',
+    })
+    expect(await screen.findByText('Account balance adjusted')).toBeInTheDocument()
+  })
+
+  it('requires a non-empty reason before submitting', async () => {
+    const screen = renderWithProviders(<AccountsPage />)
+    const savingsNameCell = (
+      await screen.findAllByText('Savings')
+    ).find((element) => element.tagName === 'TH')
+    const savingsRow = savingsNameCell?.closest('tr')
+    const adjustButtonsInRow = Array.from(savingsRow?.querySelectorAll('button') ?? []).filter(
+      (button) => button.textContent === 'Adjust',
+    )
+    await userEvent.click(adjustButtonsInRow[0] as HTMLButtonElement)
+    const dialog = await screen.findByRole('dialog', { name: 'Adjust balance' })
+
+    await userEvent.click(within(dialog).getByRole('button', { name: 'Adjust' }))
+
+    expect(await screen.findByText('Required field')).toBeInTheDocument()
+    expect(adjustBalanceMock).not.toHaveBeenCalled()
+  })
+})

frontend/src/test/accounts-page.test.tsx

@@ -28,6 +28,8 @@ function account(overrides: Partial<Account> = {}): Account {
     maskedNumber: '•• 4021',
     openedOn: '2026-01-15',
     currency: 'RUB',
+    systemKey: null,
+    nameKey: null,
     balanceKopecks: 123456,
     ...overrides,
   }

frontend/src/test/budget-blockers.test.tsx

@@ -0,0 +1,64 @@
+import { describe, expect, it, vi, afterEach } from 'vitest'
+import { screen, within } from '@testing-library/react'
+import { i18n } from '@/i18n'
+import type { BudgetBlocker } from '@/api/types'
+import { BudgetBlockers } from '@/components/budget/BudgetBlockers'
+import { renderWithProviders } from './helpers'
+
+describe('BudgetBlockers rendering', () => {
+  afterEach(async () => {
+    await i18n.changeLanguage('en')
+    vi.restoreAllMocks()
+  })
+
+  it('renders known blockers with counts and targeted CTAs', () => {
+    const blockers: BudgetBlocker[] = [
+      { code: 'IMPORTS_UNRESOLVED', count: 2 },
+      { code: 'IMPORT_UNRESOLVED_HOLDS', count: 3 },
+      { code: 'BUDGET_UNCATEGORIZED_EXPENSES', count: 5 },
+      { code: 'BUDGET_NEGATIVE_ENVELOPE', categories: ['Savings', 'Car fund'] },
+    ]
+    renderWithProviders(<BudgetBlockers blockers={blockers} month="2026-02" />)
+
+    expect(
+      screen.getByText('Statement imports are unfinished: 2'),
+    ).toBeInTheDocument()
+    expect(
+      screen.getByText('Unconfirmed operations without a resolution: 3'),
+    ).toBeInTheDocument()
+    expect(screen.getByText('Expenses without a category: 5')).toBeInTheDocument()
+    expect(screen.getByText('Negative envelope balance: Savings, Car fund')).toBeInTheDocument()
+
+    const links = screen.getAllByRole('link')
+    expect(links.map((link) => link.getAttribute('href'))).toEqual([
+      '/review?month=2026-02',
+      '/review?month=2026-02#holds',
+      '/review?month=2026-02',
+      '/budget#categories',
+    ])
+    expect(links[0]).toHaveTextContent('Open review queue')
+    expect(links[1]).toHaveTextContent('Resolve operations')
+    expect(links[2]).toHaveTextContent('Assign categories')
+    expect(links[3]).toHaveTextContent('Open categories')
+  })
+
+  it('localizes unknown blocker codes instead of showing the raw enum', async () => {
+    const warnSpy = vi.spyOn(console, 'warn').mockImplementation(() => {})
+    renderWithProviders(
+      <BudgetBlockers blockers={[{ code: 'SOMETHING_NEW' }]} month="2026-02" />,
+    )
+
+    expect(screen.getByText('Close is blocked by an unresolved reason.')).toBeInTheDocument()
+    expect(screen.queryByText('SOMETHING_NEW')).not.toBeInTheDocument()
+    expect(screen.queryByRole('link')).not.toBeInTheDocument()
+    expect(warnSpy).toHaveBeenCalledWith('[budget] unknown blocker code', 'SOMETHING_NEW')
+
+    await i18n.changeLanguage('ru')
+    expect(
+      await screen.findByText('Закрытие заблокировано необработанной причиной.'),
+    ).toBeInTheDocument()
+    expect(
+      within(screen.getByRole('list')).queryByText(/SOMETHING_NEW/),
+    ).not.toBeInTheDocument()
+  })
+})

frontend/src/test/budget-plan.test.tsx

@@ -46,6 +46,7 @@ const categories: BudgetCategory[] = [
     name: null,
     nameKey: 'groceries',
     kind: 'monthly',
+    system: false,
     archived: false,
     creditAccountId: null,
     plannedKopecks: 200000,
@@ -58,6 +59,7 @@ const categories: BudgetCategory[] = [
     name: 'Buffer',
     nameKey: null,
     kind: 'savings_envelope',
+    system: false,
     archived: false,
     creditAccountId: null,
     plannedKopecks: 0,

frontend/src/test/category-manager.test.tsx

@@ -0,0 +1,191 @@
+import { describe, expect, it, vi, beforeEach, afterEach } from 'vitest'
+import userEvent from '@testing-library/user-event'
+import { within } from '@testing-library/react'
+import { api } from '@/api/endpoints'
+import type { BudgetCategory, BudgetSummary, CategoryDefinition } from '@/api/types'
+import { BudgetPage } from '@/pages/BudgetPage'
+import { currentMonth } from '@/lib/dates'
+import { renderWithProviders } from './helpers'
+
+vi.mock('@/api/endpoints', () => ({
+  api: {
+    accounts: {
+      list: vi.fn(),
+      create: vi.fn(),
+      archive: vi.fn(),
+      adjustBalance: vi.fn(),
+    },
+    operations: {
+      list: vi.fn(),
+      create: vi.fn(),
+      void: vi.fn(),
+      categorize: vi.fn(),
+      savingsTransfer: vi.fn(),
+      savingsTransferRevert: vi.fn(),
+    },
+    budget: {
+      summary: vi.fn(),
+      categories: vi.fn(),
+      updatePlan: vi.fn(),
+      fund: vi.fn(),
+      close: vi.fn(),
+      reopen: vi.fn(),
+      copyPrevious: vi.fn(),
+      categoryDefinitions: vi.fn(),
+      createCategory: vi.fn(),
+      updateCategoryDefinition: vi.fn(),
+    },
+  },
+}))
+
+const summaryMock = vi.mocked(api.budget.summary)
+const categoriesMock = vi.mocked(api.budget.categories)
+const definitionsMock = vi.mocked(api.budget.categoryDefinitions)
+const createCategoryMock = vi.mocked(api.budget.createCategory)
+const updateDefinitionMock = vi.mocked(api.budget.updateCategoryDefinition)
+
+const month = currentMonth()
+
+const summary: BudgetSummary = {
+  month,
+  status: 'open',
+  projectedPoolKopecks: 8000000,
+  actualPoolKopecks: 7000000,
+  plannedTotalKopecks: 5000000,
+  fundedTotalKopecks: 4000000,
+  spentTotalKopecks: 1200000,
+  availableKopecks: 3000000,
+  warnings: [],
+  blockers: [],
+  expectedIncomes: [],
+}
+
+const monthCategories: BudgetCategory[] = []
+
+const diningDefinition: CategoryDefinition = {
+  id: 'def-dining',
+  name: 'Dining',
+  nameKey: null,
+  kind: 'monthly',
+  systemKey: null,
+  linkedAccountId: null,
+  archived: false,
+}
+
+const definitions: CategoryDefinition[] = [
+  diningDefinition,
+  {
+    id: 'def-savings',
+    name: 'Накопления',
+    nameKey: 'savings',
+    kind: 'savings_envelope',
+    systemKey: 'savings',
+    linkedAccountId: 'a-sys',
+    archived: false,
+  },
+  {
+    id: 'def-old-gym',
+    name: 'Old Gym',
+    nameKey: null,
+    kind: 'monthly',
+    systemKey: null,
+    linkedAccountId: null,
+    archived: true,
+  },
+]
+
+function definition(overrides: Partial<CategoryDefinition>): CategoryDefinition {
+  return { ...diningDefinition, ...overrides }
+}
+
+describe('BudgetPage category manager lifecycle', () => {
+  beforeEach(() => {
+    summaryMock.mockResolvedValue(summary)
+    categoriesMock.mockResolvedValue(monthCategories)
+    definitionsMock.mockResolvedValue(definitions)
+  })
+
+  afterEach(() => {
+    vi.clearAllMocks()
+  })
+
+  async function openManager() {
+    const screen = renderWithProviders(<BudgetPage />)
+    await screen.findByText('Manage categories')
+    await userEvent.click(screen.getByRole('button', { name: 'Manage categories' }))
+    const dialog = await screen.findByRole('dialog', { name: 'Manage categories' })
+    return { screen, dialog }
+  }
+
+  it('creates a monthly category from the compact form', async () => {
+    createCategoryMock.mockResolvedValue(definition({ id: 'def-new', name: 'Dining' }))
+    const { screen, dialog } = await openManager()
+
+    await userEvent.type(within(dialog).getByLabelText('Name'), 'Dining')
+    await userEvent.click(within(dialog).getByRole('button', { name: 'Create' }))
+
+    expect(createCategoryMock).toHaveBeenCalledTimes(1)
+    expect(createCategoryMock).toHaveBeenCalledWith({ name: 'Dining', kind: 'monthly' })
+    expect(await screen.findByText('Category “Dining” created')).toBeInTheDocument()
+  })
+
+  it('renames and archives a user category through inline actions', async () => {
+    updateDefinitionMock.mockResolvedValue(definition({ name: 'Eating out' }))
+    const { screen, dialog } = await openManager()
+
+    const diningRow = (await within(dialog).findByText('Dining')).closest('li')
+    expect(diningRow).not.toBeNull()
+
+    await userEvent.click(
+      Array.from(diningRow?.querySelectorAll('button') ?? []).find(
+        (button) => button.textContent === 'Rename',
+      ) as HTMLButtonElement,
+    )
+    const renameDialog = await screen.findByRole('dialog', { name: 'Rename category' })
+    const nameInput = within(renameDialog).getByLabelText('Name')
+    await userEvent.clear(nameInput)
+    await userEvent.type(nameInput, 'Eating out')
+    await userEvent.click(within(renameDialog).getByRole('button', { name: 'Save' }))
+
+    expect(updateDefinitionMock).toHaveBeenCalledWith('def-dining', { name: 'Eating out' })
+
+    await userEvent.click(
+      Array.from(diningRow?.querySelectorAll('button') ?? []).find(
+        (button) => button.textContent === 'Archive',
+      ) as HTMLButtonElement,
+    )
+    const archiveDialog = await screen.findByRole('dialog', { name: 'Archive category' })
+    await userEvent.click(
+      Array.from(archiveDialog.querySelectorAll('button')).find(
+        (button) => button.textContent === 'Archive',
+      ) as HTMLButtonElement,
+    )
+    expect(updateDefinitionMock).toHaveBeenCalledWith('def-dining', { archived: true })
+    expect(await screen.findByText('Category archived')).toBeInTheDocument()
+  })
+
+  it('protects the system savings category and restores archived user categories', async () => {
+    updateDefinitionMock.mockResolvedValue(definition({ id: 'def-old-gym', archived: false }))
+    const { screen, dialog } = await openManager()
+
+    const savingsRow = (await within(dialog).findByText('Savings')).closest('li')
+    expect(savingsRow).not.toBeNull()
+    expect(savingsRow?.textContent).toContain('System')
+    expect(savingsRow?.textContent).toContain('renaming and archiving are unavailable')
+    expect(within(savingsRow as HTMLElement).queryByRole('button', { name: 'Rename' })).toBeNull()
+    expect(within(savingsRow as HTMLElement).queryByRole('button', { name: 'Archive' })).toBeNull()
+
+    const tabs = dialog.querySelector('.manager-tabs') as HTMLElement
+    await userEvent.click(within(tabs).getByRole('button', { name: 'Archive' }))
+    const oldGymRow = (await within(dialog).findByText('Old Gym')).closest('li')
+    expect(oldGymRow).not.toBeNull()
+
+    await userEvent.click(
+      Array.from(oldGymRow?.querySelectorAll('button') ?? []).find(
+        (button) => button.textContent === 'Restore',
+      ) as HTMLButtonElement,
+    )
+    expect(updateDefinitionMock).toHaveBeenCalledWith('def-old-gym', { archived: false })
+    expect(await screen.findByText('Category restored')).toBeInTheDocument()
+  })
+})

frontend/src/test/import-hold-resolution.test.tsx

@@ -0,0 +1,155 @@
+import { describe, expect, it, vi, beforeEach, afterEach } from 'vitest'
+import userEvent from '@testing-library/user-event'
+import { within } from '@testing-library/react'
+import { api } from '@/api/endpoints'
+import type { ImportDetail, ImportRow } from '@/api/types'
+import { ImportDetailPage } from '@/pages/ImportDetailPage'
+import { renderWithProviders } from './helpers'
+
+vi.mock('@/api/endpoints', () => ({
+  api: {
+    imports: {
+      list: vi.fn(),
+      get: vi.fn(),
+      upload: vi.fn(),
+      saveRowDecision: vi.fn(),
+      resolveHold: vi.fn(),
+      confirm: vi.fn(),
+      reparse: vi.fn(),
+      revert: vi.fn(),
+    },
+  },
+}))
+
+const getImportMock = vi.mocked(api.imports.get)
+const resolveHoldMock = vi.mocked(api.imports.resolveHold)
+
+function row(overrides: Partial<ImportRow>): ImportRow {
+  return {
+    id: 'row-1',
+    externalId: 'ext-1',
+    occurredOn: '2026-09-10',
+    amountKopecks: 150000,
+    direction: 'out',
+    bankStatus: 'posted',
+    description: 'Coffee beans',
+    payeeHint: null,
+    warnings: [],
+    decision: 'create',
+    duplicateOfOperationId: null,
+    holdResolution: null,
+    ...overrides,
+  }
+}
+
+const unresolvedHold = row({
+  id: 'row-hold',
+  bankStatus: 'hold',
+  decision: 'pending',
+  description: 'Card freeze at cafe',
+})
+
+const resolvedHold = row({
+  id: 'row-hold-done',
+  externalId: 'ext-2',
+  bankStatus: 'hold',
+  decision: 'pending',
+  description: 'Frozen taxi charge',
+  holdResolution: {
+    resolution: 'confirmed_as_posted',
+    resolvingSourceRecordId: null,
+    operationId: 'op-1',
+    resolvedByUserId: 'u1',
+    reason: 'Money left the account later',
+    resolvedAt: '2026-09-21T12:00:00Z',
+  },
+})
+
+function detailFixture(rows: ImportRow[]): ImportDetail {
+  return {
+    id: 'imp-1',
+    fileName: 'alfa.xlsx',
+    bankAdapter: 'alfa_debit_xlsx',
+    status: 'confirmed',
+    accountId: 'a1',
+    accountName: 'Alfa Card',
+    periodFrom: null,
+    periodTo: null,
+    unresolvedHoldCount: rows.filter((item) => item.bankStatus === 'hold' && !item.holdResolution)
+      .length,
+    createdAt: '2026-09-01T10:00:00Z',
+    failureReason: null,
+    blockers: [],
+    warnings: [],
+    reconciliation: {
+      status: 'matched',
+      openingBalanceKopecks: null,
+      closingBalanceKopecks: null,
+      computedClosingKopecks: null,
+      reason: null,
+    },
+    rows,
+    totals: {
+      total: rows.length,
+      create: 1,
+      discard: 0,
+      duplicate: 0,
+      transfer: 0,
+      savingsTransfer: 0,
+      pending: rows.filter((item) => item.decision === 'pending').length,
+    },
+  }
+}
+
+describe('ImportDetailPage HOLD resolution', () => {
+  beforeEach(() => {
+    getImportMock.mockResolvedValue(
+      detailFixture([row({}), unresolvedHold, resolvedHold]),
+    )
+  })
+
+  afterEach(() => {
+    vi.clearAllMocks()
+  })
+
+  it('shows resolution actions instead of the decision select for unresolved holds', async () => {
+    const screen = renderWithProviders(<ImportDetailPage />)
+    await screen.findByText('alfa.xlsx')
+
+    const selects = screen.getAllByRole('combobox')
+    expect(selects).toHaveLength(1)
+
+    expect(screen.getAllByText('Hold')).toHaveLength(2)
+    expect(screen.getByRole('button', { name: 'Operation posted' })).toBeInTheDocument()
+    expect(screen.getByRole('button', { name: 'Operation cancelled' })).toBeInTheDocument()
+  })
+
+  it('requires a reason and resolves a hold as posted', async () => {
+    resolveHoldMock.mockResolvedValue(detailFixture([row({}), resolvedHold]))
+    const screen = renderWithProviders(<ImportDetailPage />)
+    await screen.findByRole('button', { name: 'Operation posted' })
+
+    await userEvent.click(screen.getByRole('button', { name: 'Operation posted' }))
+    const dialog = await screen.findByRole('dialog', { name: 'Operation posted' })
+
+    await userEvent.click(within(dialog).getByRole('button', { name: 'Confirm' }))
+    expect(await screen.findByText('Required field')).toBeInTheDocument()
+    expect(resolveHoldMock).not.toHaveBeenCalled()
+
+    await userEvent.type(screen.getByLabelText('Resolution reason'), 'Charge cleared at the bank')
+    await userEvent.click(within(dialog).getByRole('button', { name: 'Confirm' }))
+
+    expect(resolveHoldMock).toHaveBeenCalledTimes(1)
+    expect(resolveHoldMock).toHaveBeenCalledWith('imp-1', 'row-hold', {
+      action: 'confirm_as_posted',
+      reason: 'Charge cleared at the bank',
+    })
+  })
+
+  it('displays the resolved history of settled holds', async () => {
+    const screen = renderWithProviders(<ImportDetailPage />)
+    const historyRow = (await screen.findByText('Money left the account later')).closest('tr')
+    expect(historyRow?.textContent).toContain('Posted')
+    expect(historyRow?.querySelectorAll('button')).toHaveLength(0)
+  })
+})

frontend/src/test/import-polling.test.tsx

@@ -32,6 +32,7 @@ function detail(status: ImportStatus): ImportDetail {
     accountName: 'Alfa Card',
     periodFrom: null,
     periodTo: null,
+    unresolvedHoldCount: 0,
     createdAt: '2026-09-01T10:00:00Z',
     failureReason: null,
     blockers: [],
@@ -44,7 +45,15 @@ function detail(status: ImportStatus): ImportDetail {
       reason: null,
     },
     rows: [],
-    totals: { total: 0, create: 0, discard: 0, duplicate: 0, transfer: 0 },
+    totals: {
+      total: 0,
+      create: 0,
+      discard: 0,
+      duplicate: 0,
+      transfer: 0,
+      savingsTransfer: 0,
+      pending: 0,
+    },
   }
 }
 

frontend/src/test/review-queue-month.test.tsx

@@ -0,0 +1,110 @@
+import { describe, expect, it, vi, beforeEach, afterEach } from 'vitest'
+import { api } from '@/api/endpoints'
+import type { BudgetCategory, ImportSummary, Page, Operation } from '@/api/types'
+import { ReviewQueuePage } from '@/pages/ReviewQueuePage'
+import { renderWithProviders } from './helpers'
+
+vi.mock('@/api/endpoints', () => ({
+  api: {
+    accounts: {
+      list: vi.fn(),
+      create: vi.fn(),
+      archive: vi.fn(),
+      adjustBalance: vi.fn(),
+    },
+    operations: {
+      list: vi.fn(),
+      create: vi.fn(),
+      void: vi.fn(),
+      categorize: vi.fn(),
+      savingsTransfer: vi.fn(),
+      savingsTransferRevert: vi.fn(),
+    },
+    budget: {
+      summary: vi.fn(),
+      categories: vi.fn(),
+      updatePlan: vi.fn(),
+      fund: vi.fn(),
+      close: vi.fn(),
+      reopen: vi.fn(),
+      copyPrevious: vi.fn(),
+      categoryDefinitions: vi.fn(),
+      createCategory: vi.fn(),
+      updateCategoryDefinition: vi.fn(),
+    },
+    imports: {
+      list: vi.fn(),
+      get: vi.fn(),
+      upload: vi.fn(),
+      saveRowDecision: vi.fn(),
+      resolveHold: vi.fn(),
+      confirm: vi.fn(),
+      reparse: vi.fn(),
+      revert: vi.fn(),
+    },
+  },
+}))
+
+const importsListMock = vi.mocked(api.imports.list)
+const operationsListMock = vi.mocked(api.operations.list)
+const categoriesMock = vi.mocked(api.budget.categories)
+
+const importSummary: ImportSummary = {
+  id: 'imp-hold',
+  fileName: 'alfa-february.xlsx',
+  bankAdapter: 'alfa_debit_xlsx',
+  status: 'confirmed',
+  accountId: 'a1',
+  accountName: 'Alfa Card',
+  periodFrom: null,
+  periodTo: null,
+  unresolvedHoldCount: 2,
+  createdAt: '2026-03-01T10:00:00Z',
+}
+
+describe('ReviewQueuePage month awareness', () => {
+  beforeEach(() => {
+    importsListMock.mockResolvedValue([importSummary])
+    operationsListMock.mockResolvedValue({ items: [], nextCursor: null } as Page<Operation>)
+    categoriesMock.mockResolvedValue([] as BudgetCategory[])
+  })
+
+  afterEach(() => {
+    vi.clearAllMocks()
+  })
+
+  it('scopes imports, categories and uncategorized operations to the ?month= param', async () => {
+    const screen = renderWithProviders(<ReviewQueuePage />, '/review?month=2026-02')
+
+    await screen.findByText('alfa-february.xlsx')
+
+    expect(importsListMock).toHaveBeenCalledWith('2026-02')
+    expect(categoriesMock).toHaveBeenCalledWith('2026-02')
+    expect(operationsListMock).toHaveBeenCalledWith(
+      expect.objectContaining({
+        uncategorized: true,
+        status: 'confirmed',
+        occurredFrom: '2026-02-01',
+        occurredTo: '2026-02-28',
+      }),
+    )
+  })
+
+  it('keeps confirmed imports with unresolved holds visible for the month', async () => {
+    const screen = renderWithProviders(<ReviewQueuePage />, '/review?month=2026-02')
+
+    const row = (await screen.findByText('alfa-february.xlsx')).closest('tr')
+    expect(row?.textContent).toContain('2')
+
+    const link = screen.getByRole('link', { name: 'Open import' })
+    expect(link).toHaveAttribute('href', '/imports/imp-hold')
+  })
+
+  it('falls back to the current month without a query param', async () => {
+    const screen = renderWithProviders(<ReviewQueuePage />)
+
+    await screen.findByText('alfa-february.xlsx')
+    expect(importsListMock).toHaveBeenCalledWith(expect.stringMatching(/^\d{4}-\d{2}$/))
+    expect(importsListMock.mock.calls[0]?.[0]).not.toBe('2026-02')
+  })
+})

frontend/src/test/savings-convert-revert.test.tsx

@@ -0,0 +1,183 @@
+import { describe, expect, it, vi, beforeEach, afterEach } from 'vitest'
+import userEvent from '@testing-library/user-event'
+import { api } from '@/api/endpoints'
+import type { Account, BudgetCategory, Operation } from '@/api/types'
+import { OperationsPage } from '@/pages/OperationsPage'
+import { renderWithProviders } from './helpers'
+
+vi.mock('@/api/endpoints', () => ({
+  api: {
+    accounts: {
+      list: vi.fn(),
+      create: vi.fn(),
+      archive: vi.fn(),
+      adjustBalance: vi.fn(),
+    },
+    operations: {
+      list: vi.fn(),
+      create: vi.fn(),
+      void: vi.fn(),
+      categorize: vi.fn(),
+      savingsTransfer: vi.fn(),
+      savingsTransferRevert: vi.fn(),
+    },
+    budget: {
+      summary: vi.fn(),
+      categories: vi.fn(),
+      updatePlan: vi.fn(),
+      fund: vi.fn(),
+      close: vi.fn(),
+      reopen: vi.fn(),
+      copyPrevious: vi.fn(),
+      categoryDefinitions: vi.fn(),
+      createCategory: vi.fn(),
+      updateCategoryDefinition: vi.fn(),
+    },
+  },
+}))
+
+const listAccountsMock = vi.mocked(api.accounts.list)
+const listOperationsMock = vi.mocked(api.operations.list)
+const savingsTransferMock = vi.mocked(api.operations.savingsTransfer)
+const revertMock = vi.mocked(api.operations.savingsTransferRevert)
+const budgetCategoriesMock = vi.mocked(api.budget.categories)
+
+function account(overrides: Partial<Account> = {}): Account {
+  return {
+    id: 'a1',
+    name: 'Alfa Card',
+    type: 'debit',
+    status: 'active',
+    bankCode: null,
+    maskedNumber: null,
+    openedOn: '2026-01-15',
+    currency: 'RUB',
+    systemKey: null,
+    nameKey: null,
+    balanceKopecks: 123456,
+    ...overrides,
+  }
+}
+
+function operation(overrides: Partial<Operation> & { id: string }): Operation {
+  return {
+    kind: 'expense',
+    status: 'confirmed',
+    amountKopecks: 500000,
+    occurredOn: '2026-09-05',
+    postedOn: null,
+    accountId: 'a1',
+    counterpartyAccountId: null,
+    categoryId: null,
+    categoryName: null,
+    categoryKey: null,
+    payeeName: 'Coffee shop',
+    incomeSourceName: null,
+    description: null,
+    parentOperationId: null,
+    convertedFromExpense: false,
+    version: 1,
+    createdAt: '2026-09-05T10:00:00Z',
+    ...overrides,
+  }
+}
+
+const operations: Operation[] = [
+  operation({ id: 'op-expense' }),
+  operation({
+    id: 'op-converted',
+    kind: 'transfer',
+    counterpartyAccountId: 'a-sys',
+    categoryKey: 'savings',
+    payeeName: null,
+    convertedFromExpense: true,
+  }),
+  operation({
+    id: 'op-adjust',
+    kind: 'adjustment',
+    amountKopecks: 25000,
+    payeeName: null,
+    description: 'Cash delivery',
+  }),
+]
+
+describe('OperationsPage savings convert/revert and adjustment rendering', () => {
+  beforeEach(() => {
+    listAccountsMock.mockResolvedValue([
+      account(),
+      account({
+        id: 'a-sys',
+        name: 'Накопления',
+        nameKey: 'account.savings',
+        type: 'savings',
+        systemKey: 'savings',
+        balanceKopecks: 0,
+      }),
+    ])
+    listOperationsMock.mockResolvedValue({ items: operations, nextCursor: null })
+    budgetCategoriesMock.mockResolvedValue([] as BudgetCategory[])
+  })
+
+  afterEach(() => {
+    vi.clearAllMocks()
+  })
+
+  it('converts a confirmed expense into a savings transfer after explicit confirmation', async () => {
+    savingsTransferMock.mockResolvedValue(operation({ id: 'op-expense', kind: 'transfer' }))
+    const screen = renderWithProviders(<OperationsPage />)
+    const row = (await screen.findByText('Coffee shop')).closest('tr') as HTMLTableRowElement
+    const convertButton = Array.from(row.querySelectorAll('button')).find(
+      (button) => button.textContent === 'To savings',
+    )
+    expect(convertButton).toBeDefined()
+
+    await userEvent.click(convertButton as HTMLButtonElement)
+    const dialog = await screen.findByRole('dialog', { name: 'Convert to savings' })
+    expect(dialog.textContent).toContain('leaves the month')
+    expect(dialog.textContent).toContain('grows the Savings account')
+
+    await userEvent.click(
+      withinDialogButton(dialog, 'To savings') as HTMLButtonElement,
+    )
+
+    expect(savingsTransferMock).toHaveBeenCalledTimes(1)
+    expect(savingsTransferMock).toHaveBeenCalledWith('op-expense')
+  })
+
+  it('reverts a converted savings transfer back to an expense', async () => {
+    revertMock.mockResolvedValue(operation({ id: 'op-converted', kind: 'expense' }))
+    const screen = renderWithProviders(<OperationsPage />)
+    expect(await screen.findByText('Coffee shop')).toBeInTheDocument()
+
+    const convertedRow = screen
+      .getAllByRole('row')
+      .find((row) => row.textContent?.includes('Savings →') || row.textContent?.includes('→ Savings'))
+    const revertButton = Array.from(convertedRow?.querySelectorAll('button') ?? []).find(
+      (button) => button.textContent === 'Back to expense',
+    )
+    expect(revertButton).toBeDefined()
+
+    await userEvent.click(revertButton as HTMLButtonElement)
+    const dialog = await screen.findByRole('dialog', { name: 'Revert to expense' })
+    await userEvent.click(withinDialogButton(dialog, 'Back to expense') as HTMLButtonElement)
+
+    expect(revertMock).toHaveBeenCalledTimes(1)
+    expect(revertMock).toHaveBeenCalledWith('op-converted')
+  })
+
+  it('renders adjustments with a neutral amount, adjustment badge and reason', async () => {
+    const screen = renderWithProviders(<OperationsPage />)
+    const row = (await screen.findByText('Cash delivery')).closest('tr') as HTMLTableRowElement
+    expect(row.textContent).toContain('Adjustment')
+    const amountCell = row.querySelector('.operation-amount')
+    expect(amountCell?.textContent).toBe('₽250.00')
+    expect(amountCell?.textContent?.startsWith('−')).toBe(false)
+    expect(amountCell?.textContent?.startsWith('+')).toBe(false)
+  })
+})
+
+function withinDialogButton(dialog: HTMLElement, label: string): HTMLElement | undefined {
+  return Array.from(dialog.querySelectorAll('button')).find(
+    (button) => button.textContent === label && !button.hasAttribute('aria-label'),
+  )
+}

frontend/src/test/system-account-picker.test.tsx

@@ -0,0 +1,134 @@
+import { describe, expect, it, vi, beforeEach, afterEach } from 'vitest'
+import userEvent from '@testing-library/user-event'
+import { within } from '@testing-library/react'
+import { api } from '@/api/endpoints'
+import type { Account, BudgetCategory, Page, Operation } from '@/api/types'
+import { ImportsPage } from '@/pages/ImportsPage'
+import { OperationsPage } from '@/pages/OperationsPage'
+import { renderWithProviders } from './helpers'
+
+vi.mock('@/api/endpoints', () => ({
+  api: {
+    accounts: {
+      list: vi.fn(),
+      create: vi.fn(),
+      archive: vi.fn(),
+      adjustBalance: vi.fn(),
+    },
+    operations: {
+      list: vi.fn(),
+      create: vi.fn(),
+      void: vi.fn(),
+      categorize: vi.fn(),
+      savingsTransfer: vi.fn(),
+      savingsTransferRevert: vi.fn(),
+    },
+    budget: {
+      summary: vi.fn(),
+      categories: vi.fn(),
+      updatePlan: vi.fn(),
+      fund: vi.fn(),
+      close: vi.fn(),
+      reopen: vi.fn(),
+      copyPrevious: vi.fn(),
+      categoryDefinitions: vi.fn(),
+      createCategory: vi.fn(),
+      updateCategoryDefinition: vi.fn(),
+    },
+    imports: {
+      list: vi.fn(),
+      get: vi.fn(),
+      upload: vi.fn(),
+      saveRowDecision: vi.fn(),
+      resolveHold: vi.fn(),
+      confirm: vi.fn(),
+      reparse: vi.fn(),
+      revert: vi.fn(),
+    },
+  },
+}))
+
+const listAccountsMock = vi.mocked(api.accounts.list)
+const operationsListMock = vi.mocked(api.operations.list)
+const budgetCategoriesMock = vi.mocked(api.budget.categories)
+const importsListMock = vi.mocked(api.imports.list)
+
+function account(overrides: Partial<Account> = {}): Account {
+  return {
+    id: 'a1',
+    name: 'Alfa Card',
+    type: 'debit',
+    status: 'active',
+    bankCode: null,
+    maskedNumber: null,
+    openedOn: '2026-01-15',
+    currency: 'RUB',
+    systemKey: null,
+    nameKey: null,
+    balanceKopecks: 123456,
+    ...overrides,
+  }
+}
+
+describe('system savings account picker exclusion', () => {
+  beforeEach(() => {
+    listAccountsMock.mockResolvedValue([
+      account(),
+      account({ id: 'a2', name: 'Cash wallet', type: 'cash' }),
+      account({
+        id: 'a-sys',
+        name: 'Накопления',
+        nameKey: 'account.savings',
+        type: 'savings',
+        systemKey: 'savings',
+        balanceKopecks: 0,
+      }),
+    ])
+    operationsListMock.mockResolvedValue({ items: [], nextCursor: null } as Page<Operation>)
+    budgetCategoriesMock.mockResolvedValue([] as BudgetCategory[])
+    importsListMock.mockResolvedValue([])
+  })
+
+  afterEach(() => {
+    vi.clearAllMocks()
+  })
+
+  it('hides the savings account in the expense form but keeps it in the transfer form and filters', async () => {
+    const screen = renderWithProviders(<OperationsPage />)
+
+    await userEvent.click(
+      await screen.findByRole('button', { name: '+ New operation' }),
+    )
+    const dialog = await screen.findByRole('dialog', { name: 'New operation' })
+
+    const expenseSelect = within(dialog).getByLabelText('Account') as HTMLSelectElement
+    const expenseOptions = Array.from(expenseSelect.options).map((option) => option.textContent)
+    expect(expenseOptions).toContain('Alfa Card')
+    expect(expenseOptions).not.toContain('Savings')
+
+    await userEvent.click(within(dialog).getByRole('button', { name: 'Transfer' }))
+    const transferSelects = within(dialog)
+      .getAllByRole('combobox')
+      .filter((select) => (select as HTMLSelectElement).options.length > 2) as HTMLSelectElement[]
+    const transferOptions = transferSelects.flatMap((select) =>
+      Array.from(select.options).map((option) => option.textContent),
+    )
+    expect(transferOptions).toContain('Savings')
+
+    const filterSelect = screen.getByLabelText('Account') as HTMLSelectElement
+    const filterOptions = Array.from(filterSelect.options).map((option) => option.textContent)
+    expect(filterOptions).toContain('Savings')
+  })
+
+  it('hides the savings account in the statement upload target selector', async () => {
+    const screen = renderWithProviders(<ImportsPage />)
+    await userEvent.click(await screen.findByRole('button', { name: '+ Upload statement' }))
+
+    const dialog = await screen.findByRole('dialog', { name: 'New import' })
+    const select = within(dialog).getByLabelText('Target account') as HTMLSelectElement
+    const options = Array.from(select.options).map((option) => option.textContent)
+    expect(options).toContain('Alfa Card')
+    expect(options).toContain('Cash wallet')
+    expect(options).not.toContain('Savings')
+  })
+})

graphify-out/.graphify_labels.json

@@ -2,28 +2,28 @@
   "0": "identity/service.py",
   "1": "budgeting/router.py",
   "2": "Base",
-  "3": "set_space_context",
+  "3": "exports/service.py",
   "4": "imports/service.py",
   "5": "alfa_xlsx.py",
-  "6": "index.ts",
+  "6": "system-account-picker.test.tsx",
   "7": "types.ts",
   "8": "router.tsx",
   "9": "ledger/router.py",
   "10": "@testing-library/jest-dom",
   "11": "compilerOptions",
-  "12": "AnalyticsPage.tsx",
+  "12": "BudgetPage.tsx",
   "13": "@testing-library/user-event",
   "14": "devDependencies",
   "15": "Session",
   "16": "dependencies",
   "17": "ImportDetailPage.tsx",
   "18": "OperationsPage.tsx",
-  "19": "SettingsPage.tsx",
+  "19": "useAccounts.ts",
-  "20": "Toaster.tsx",
+  "20": "index.ts",
   "21": "test_adapter_contracts.py",
-  "22": "BudgetPage.tsx",
+  "22": "AccountsPage.tsx",
   "23": "client.ts",
-  "24": "AccountsPage.tsx",
+  "24": "fields.tsx",
   "25": "Docker Compose Development Stack",
   "26": "Financial Space",
   "27": "scripts",
@@ -43,10 +43,13 @@
   "41": "test_api.py",
   "42": "i18n-parity.test.ts",
   "43": "Expected Income",
-  "44": "TestAlfaDebitContract",
+  "44": "helpers.tsx",
+  "45": "20260922_0003_savings_system.py",
+  "46": "category-manager.test.tsx",
   "47": "graphify",
   "48": "@types/react-dom",
   "49": "typescript-eslint",
+  "50": "Ближайший край: накопления, категории и блокировки бюджета",
   "51": "vitest",
   "52": "Favicon SVG (ledger lines icon)",
   "53": "init-app-role.sh",
@@ -54,7 +57,7 @@
   "55": "spaces/__init__.py",
   "56": "Payee",
   "57": "eslint.config.js",
-  "58": "money.test.ts",
+  "58": "spaces/router.py",
   "59": "vite-env.d.ts",
   "60": "vite.config.ts",
   "61": "finance-backend",
@@ -63,9 +66,22 @@
   "64": "Gitea CI and real statement imports",
   "65": "20260918_0002_hold_lifecycle.py",
   "66": "eslint-plugin-react-hooks",
+  "67": "main.py",
+  "68": "current_session",
+  "69": "TestAlfaDebitContract",
   "70": "vite",
-  "73": "AppError",
+  "71": "rocketbank_pdf.py",
+  "72": "TestAlfaSavingsRule",
+  "73": "savings-convert-revert.test.tsx",
+  "74": "api",
+  "75": "ColumnChart.tsx",
   "76": "get_settings",
   "77": "AGENTS.md",
-  "78": "graphify.js"
+  "78": "graphify.js",
+  "79": "dependencies.py",
+  "80": "test_category_definitions.py",
+  "81": "budget-plan.test.tsx",
+  "82": "import-hold-resolution.test.tsx",
+  "83": "test_postgres_and_s3.py",
+  "86": "test_import_holds.py"
 }

graphify-out/.graphify_labels.json.sig

@@ -1 +1 @@
-{"0": "6c063baf517f1eb6", "1": "a4f4a311e078675c", "2": "65ccdcb8bb230ca5", "3": "44b04b925819e26d", "4": "0d50b69f5218f11b", "5": "092f91ab80789a1d", "6": "22c5de371abd09fa", "7": "8bec3f9e493248dd", "8": "af34a2fe936fc26f", "9": "5ebc227112f367f4", "10": "0a5a0ba97778625e", "11": "f039d542469fefc7", "12": "29f9890d7a645660", "13": "8744084aeb65fbd3", "14": "b3e752fefc98c002", "15": "9a0c62b0c24bbbd9", "16": "8ef6cf9118db3195", "17": "f7ebad4765114795", "18": "77b2f7c0291aab31", "19": "792f137ff135bd4e", "20": "15859d93c4ace0e3", "21": "aaac3631365f21d3", "22": "e2e45bae8a909001", "23": "cf7c706bee4e29cc", "24": "345cd1b7ec82598d", "25": "f01c92b243645b4e", "26": "54c3380f579b6729", "27": "d8d767c824110809", "28": "8bc2e2fc5c336465", "29": "3147966ac3ee3b0f", "30": "2918b65a60e97b85", "31": "099ee7edfccfb30f", "32": "0778a13a682f0cbb", "33": "6be20de557b963e9", "34": "da7b9f31790187c3", "35": "17bba31989deabe4", "36": "267c43d4a566a343", "37": "cff206ec60c41144", "38": "c9cd0ce5f2cf7cba", "39": "0e87c765d5713ad6", "40": "ce680f01cc87ac2b", "41": "24380e4087fb70d5", "42": "c58209407d4237e8", "43": "54905c779f6306ec", "44": "b0793b63498bdb9d", "47": "2f8c667574e48967", "48": "08332675f638af21", "49": "4ed4ad08eaab7c1c", "51": "ba6724f5637cd5d9", "52": "fdf8b4d4bf2be849", "53": "66f8ffc9c3fbedf2", "54": "73723cec09ed2417", "55": "f9e8dac18e2e7bdf", "56": "86619fe91fc50452", "57": "8a3d1d863ddb4d2f", "58": "acee339eea91405a", "59": "99c0fcbdc4f53a0e", "60": "cd42295e6b9fcac1", "61": "3712295d0a11267c", "62": "f787d08450bb4ac6", "63": "9dac551857afb104", "64": "fa2cf116b4b9871b", "65": "f3a0edb87b006f25", "66": "a0aa708a9e56bca1", "70": "e049e07b5afc08cf", "73": "dd576fea95f2c4b2", "76": "ef6090e1505912ff", "77": "97ec841e4f367258", "78": "c9051bc3ad4170f1"}
+{"0": "c347d287a7f3a6ce", "1": "5b2b5135d389ebc4", "2": "3ff2ac44aa20ca83", "3": "51897f64f56621c8", "4": "2a70b0292e8ae169", "5": "8759229a1634c950", "6": "c854d88fbb83cb56", "7": "68e73285c0067f67", "8": "35d07c09aa48f345", "9": "09b32adce261b645", "10": "0a5a0ba97778625e", "11": "f039d542469fefc7", "12": "c745c877b713a2ce", "13": "8744084aeb65fbd3", "14": "b3e752fefc98c002", "15": "672078e1316fbdfd", "16": "8ef6cf9118db3195", "17": "717661b235a2b452", "18": "ba4f5f0de2481418", "19": "7cf5574993a70b4d", "20": "f544a0eb8929475b", "21": "0ae43a136d1c49b8", "22": "91216f82cff5baf2", "23": "f3004ec80ca9f448", "24": "0e1e4d3fb2a7b5c6", "25": "f01c92b243645b4e", "26": "54c3380f579b6729", "27": "d8d767c824110809", "28": "8bc2e2fc5c336465", "29": "3147966ac3ee3b0f", "30": "2918b65a60e97b85", "31": "099ee7edfccfb30f", "32": "0778a13a682f0cbb", "33": "6be20de557b963e9", "34": "da7b9f31790187c3", "35": "17bba31989deabe4", "36": "267c43d4a566a343", "37": "cff206ec60c41144", "38": "40e8d8816af26a7d", "39": "0e87c765d5713ad6", "40": "ce680f01cc87ac2b", "41": "24380e4087fb70d5", "42": "c58209407d4237e8", "43": "54905c779f6306ec", "44": "ffaa580c9703d37b", "45": "0e25b613a054fa87", "46": "28cda6a600d51f90", "47": "2f8c667574e48967", "48": "08332675f638af21", "49": "4ed4ad08eaab7c1c", "50": "39e65f28c37e0e46", "51": "ba6724f5637cd5d9", "52": "fdf8b4d4bf2be849", "53": "66f8ffc9c3fbedf2", "54": "73723cec09ed2417", "55": "f9e8dac18e2e7bdf", "56": "86619fe91fc50452", "57": "8a3d1d863ddb4d2f", "58": "ade19319347f3d3e", "59": "99c0fcbdc4f53a0e", "60": "cd42295e6b9fcac1", "61": "3712295d0a11267c", "62": "f787d08450bb4ac6", "63": "c70141073bf2394a", "64": "fa2cf116b4b9871b", "65": "f3a0edb87b006f25", "66": "a0aa708a9e56bca1", "67": "37f0b6f332e5305b", "68": "46974fbae1bedb4d", "69": "2b697108a93af879", "70": "e049e07b5afc08cf", "71": "dfd55e9d6c47182b", "72": "2b92b704e5454347", "73": "e404eb8a5c1d93eb", "74": "b422dafdddc8c8e8", "75": "c11d4d615ce6b927", "76": "f82d1ba2ab5e9425", "77": "97ec841e4f367258", "78": "c9051bc3ad4170f1", "79": "05b0f20d97232a3d", "80": "214c5c2b62d5e491", "81": "30a50b463d66a82d", "82": "eb03ce59893de6ca", "83": "9cb55d4b9082fb1b", "86": "4aee66a8f780c711"}

graphify-out/GRAPH_REPORT.md

@@ -1,16 +1,16 @@
-# Graph Report - finance  (2026-09-22)
+# Graph Report - finance  (2026-09-23)
 
 ## Corpus Check
-- 153 files · ~65,647 words
+- 178 files · ~83,334 words
 - Verdict: corpus is large enough that graph structure adds value.
 
 ## Summary
-- 1288 nodes · 3759 edges · 69 communities (47 shown, 15 thin omitted)
+- 1567 nodes · 4903 edges · 85 communities (62 shown, 17 thin omitted)
-- Extraction: 98% EXTRACTED · 2% INFERRED · 0% AMBIGUOUS · INFERRED: 71 edges (avg confidence: 0.93)
+- Extraction: 98% EXTRACTED · 2% INFERRED · 0% AMBIGUOUS · INFERRED: 91 edges (avg confidence: 0.93)
 - Token cost: 0 input · 0 output
 
 ## Graph Freshness
-- Built from commit: `30bd1b48`
+- Built from commit: `8c2b89c8`
 - Run `git rev-parse HEAD` and compare to check if the graph is stale.
 - Run `graphify update .` after code changes (no API cost).
 
@@ -18,28 +18,28 @@
 - identity/service.py
 - budgeting/router.py
 - Base
-- set_space_context
+- exports/service.py
 - imports/service.py
 - alfa_xlsx.py
-- index.ts
+- system-account-picker.test.tsx
 - types.ts
 - router.tsx
 - ledger/router.py
 - @testing-library/jest-dom
 - compilerOptions
-- AnalyticsPage.tsx
+- BudgetPage.tsx
 - @testing-library/user-event
 - devDependencies
 - Session
 - dependencies
 - ImportDetailPage.tsx
 - OperationsPage.tsx
-- SettingsPage.tsx
+- useAccounts.ts
-- Toaster.tsx
+- index.ts
 - test_adapter_contracts.py
-- BudgetPage.tsx
-- client.ts
 - AccountsPage.tsx
+- client.ts
+- fields.tsx
 - Docker Compose Development Stack
 - Financial Space
 - scripts
@@ -59,36 +59,53 @@
 - test_api.py
 - i18n-parity.test.ts
 - Expected Income
-- TestAlfaDebitContract
+- helpers.tsx
+- 20260922_0003_savings_system.py
+- category-manager.test.tsx
 - graphify
 - @types/react-dom
 - typescript-eslint
+- Ближайший край: накопления, категории и блокировки бюджета
 - vitest
 - Favicon SVG (ledger lines icon)
 - init-app-role.sh
 - Payee
+- spaces/router.py
 - finance-backend
 - LocalDirectoryBlobStore
 - TestOzonDebitContract
 - Gitea CI and real statement imports
 - 20260918_0002_hold_lifecycle.py
 - eslint-plugin-react-hooks
+- main.py
+- current_session
+- TestAlfaDebitContract
 - vite
-- AppError
+- rocketbank_pdf.py
+- TestAlfaSavingsRule
+- savings-convert-revert.test.tsx
+- api
+- ColumnChart.tsx
 - get_settings
 - AGENTS.md
+- dependencies.py
+- test_category_definitions.py
+- budget-plan.test.tsx
+- import-hold-resolution.test.tsx
+- test_postgres_and_s3.py
+- test_import_holds.py
 
 ## God Nodes (most connected - your core abstractions)
-1. `Session` - 146 edges
+1. `Session` - 198 edges
-2. `AppError` - 54 edges
+2. `AppError` - 73 edges
 3. `Base` - 47 edges
-4. `PkMixin` - 39 edges
+4. `conflict()` - 42 edges
-5. `get_settings()` - 38 edges
+5. `get_settings()` - 39 edges
-6. `TimestampMixin` - 38 edges
+6. `PkMixin` - 39 edges
-7. `conflict()` - 35 edges
+7. `record()` - 38 edges
-8. `record()` - 34 edges
+8. `TimestampMixin` - 38 edges
-9. `StatementDocument` - 32 edges
+9. `StatementDocument` - 36 edges
-10. `UnsupportedStatementLayout` - 30 edges
+10. `create_expense()` - 35 edges
 
 ## Surprising Connections (you probably didn't know these)
 - `Typed Same-Origin API Client` --conceptually_related_to--> `Same-Origin Reverse Proxy`  [INFERRED]
@@ -110,99 +127,99 @@
 - **Financial Space Tenancy Boundary** — context_financial_space, context_membership, docs_adr_0001_financial_space_ownership_and_rls_defense_in_depth_authorization, docs_adr_0001_financial_space_ownership_and_rls_transaction_local_rls, docs_adr_0001_financial_space_ownership_and_rls_cross_space_integrity [EXTRACTED 1.00]
 - **Safe Statement Import Flow** — context_statement_import, context_parse_run, context_source_record, docs_adr_0003_versioned_statement_imports_immutable_statement_document, docs_adr_0003_versioned_statement_imports_conservative_deduplication, docs_adr_0003_versioned_statement_imports_atomic_confirm_revert [EXTRACTED 1.00]
 
-## Communities (69 total, 15 thin omitted)
+## Communities (85 total, 17 thin omitted)
 
 ### Community 0 - "identity/service.py"
-Cohesion: 0.07
+Cohesion: 0.28
-Nodes (58): current_context(), current_session(), alias, Context, CurrentSession, Db, Header, User (+50 more)
+Nodes (18): unauthorized(), accept_invitation(), authenticate(), create_invitation(), create_password_reset(), create_session(), get_active_session(), normalize_email() (+10 more)
 
 ### Community 1 - "budgeting/router.py"
-Cohesion: 0.20
+Cohesion: 0.13
-Nodes (34): AssignmentItem, assignments(), AssignmentsBody, categories(), CategoryBody, CategoryFundingBody, close(), close_frontend() (+26 more)
+Nodes (48): balances(), cash_flow(), category_spend(), plan_fact(), Context, date, Db, get (+40 more)
 
 ### Community 2 - "Base"
 Cohesion: 0.07
-Nodes (67): downgrade(), upgrade(), balances(), cash_flow(), category_spend(), date, UUID, AuditEvent (+59 more)
+Nodes (73): downgrade(), upgrade(), AuditEvent, Append-only domain/security event. Never stores raw financial payloads., ExpectedIncome, ExpectedIncomeMatch, FundingMovement, PeriodClosure (+65 more)
 
-### Community 3 - "set_space_context"
+### Community 3 - "exports/service.py"
-Cohesion: 0.06
+Cohesion: 0.10
-Nodes (52): balances(), cash_flow(), category_spend(), plan_fact(), Context, date, Db, get (+44 more)
+Nodes (35): Any, Transactional scope for workers/endpoints that own the transaction lifecycle., session_scope(), download(), export_status(), Context, Csrf, Db (+27 more)
 
 ### Community 4 - "imports/service.py"
 Cohesion: 0.06
-Nodes (92): datetime, utcnow(), not_found(), normalize_description(), date, record_fingerprint(), magic_kind(), BlobStore (+84 more)
+Nodes (85): datetime, utcnow(), magic_kind(), StatementDocument, confirm(), ConfirmBody, decide_row(), DecisionBody (+77 more)
 
 ### Community 5 - "alfa_xlsx.py"
-Cohesion: 0.17
+Cohesion: 0.15
-Nodes (24): AlfaDebitXlsxAdapter, _AlfaHeaderMeta, AlfaXlsxAdapterBase, _cell_str(), _debit_find_header(), _debit_header_metadata(), _debit_header_value(), _debit_norm() (+16 more)
+Nodes (27): AlfaCreditXlsxAdapter, AlfaDebitXlsxAdapter, _AlfaHeaderMeta, AlfaXlsxAdapterBase, _cell_str(), _debit_find_header(), _debit_header_metadata(), _debit_header_value() (+19 more)
 
-### Community 6 - "index.ts"
+### Community 6 - "system-account-picker.test.tsx"
-Cohesion: 0.26
+Cohesion: 0.15
-Nodes (8): Locale, LangSwitcher(), createI18n(), detectLocale(), i18n, LOCALES, setLocale(), storedLocale()
+Nodes (12): AdjustBalanceResult, BudgetCategory, Operation, Page, categoriesMock, importsListMock, importSummary, operationsListMock (+4 more)
 
 ### Community 7 - "types.ts"
-Cohesion: 0.06
+Cohesion: 0.08
-Nodes (47): api, Account, AccountStatus, BalanceItem, BalancesReport, BudgetBlocker, BudgetCategory, BudgetStatus (+39 more)
+Nodes (35): AccountStatus, AccountType, BalanceItem, BalancesReport, BudgetStatus, BudgetWarning, CashFlowMonth, CategoriesBlocker (+27 more)
 
 ### Community 8 - "router.tsx"
-Cohesion: 0.10
+Cohesion: 0.07
-Nodes (33): AcceptInvitePayload, LoginPayload, PasswordResetPayload, AcceptInvitePage, BudgetPage, ImportDetailPage, LoginPage, OperationsPage (+25 more)
+Nodes (49): isApiError(), AcceptInvitePayload, LoginPayload, PasswordResetPayload, App(), queryClient, AcceptInvitePage, AccountsPage (+41 more)
 
 ### Community 9 - "ledger/router.py"
-Cohesion: 0.15
+Cohesion: 0.16
-Nodes (31): account_json(), AccountBody, accounts(), archive_account(), create_account(), create_operation(), delete_account(), operation_json() (+23 more)
+Nodes (35): account_json(), AccountBody, accounts(), adjust_balance(), AdjustBalanceBody, archive_account(), create_account(), create_operation() (+27 more)
 
 ### Community 11 - "compilerOptions"
 Cohesion: 0.07
 Nodes (28): compilerOptions, baseUrl, esModuleInterop, forceConsistentCasingInFileNames, isolatedModules, jsx, lib, module (+20 more)
 
-### Community 12 - "AnalyticsPage.tsx"
+### Community 12 - "BudgetPage.tsx"
-Cohesion: 0.12
+Cohesion: 0.08
-Nodes (19): AnalyticsPage, CashFlowColumn, ColumnChart(), ColumnChartProps, BarRow, HorizontalBars(), HorizontalBarsProps, PlanFactBars() (+11 more)
+Nodes (53): NotFoundPage, CategoryManagerModal(), CreateCategoryForm(), RenameModal(), PlanFactBars(), PlanFactBarsProps, PlanFactRow, MonthSwitcher() (+45 more)
 
 ### Community 14 - "devDependencies"
 Cohesion: 0.10
 Nodes (21): eslint, @eslint/js, eslint-plugin-jsx-a11y, devDependencies, eslint, @eslint/js, eslint-plugin-jsx-a11y, globals (+13 more)
 
 ### Community 15 - "Session"
-Cohesion: 0.07
+Cohesion: 0.05
-Nodes (122): plan_fact(), Any, record(), BudgetPeriod, Calendar month budget period in the space timezone (month granularity)., add_expected_income(), archive_category(), _balance_until() (+114 more)
+Nodes (165): balances(), cash_flow(), category_spend(), plan_fact(), date, UUID, Any, record() (+157 more)
 
 ### Community 16 - "dependencies"
 Cohesion: 0.09
 Nodes (23): @fontsource/funnel-sans, @fontsource/geist-mono, dependencies, @fontsource/funnel-sans, @fontsource/geist-mono, @hookform/resolvers, i18next, react (+15 more)
 
 ### Community 17 - "ImportDetailPage.tsx"
-Cohesion: 0.20
+Cohesion: 0.16
-Nodes (18): Button(), ConfirmDialog(), ConfirmDialogProps, Modal(), ModalProps, useToast(), useConfirmImport(), useImport() (+10 more)
+Nodes (23): HoldResolutionAction, ImportStatus, RowDecision, useToast(), useConfirmImport(), useImport(), useImportErrorToaster(), useReparseImport() (+15 more)
 
 ### Community 18 - "OperationsPage.tsx"
-Cohesion: 0.11
+Cohesion: 0.12
-Nodes (30): Operation, OperationKind, OperationStatus, ImportsPage, Badge(), BadgeTone, EmptyState(), EmptyStateProps (+22 more)
+Nodes (43): isSystemAccount(), Locale, useAccounts(), useActiveAccounts(), useUserAccounts(), useCategorizeOperation(), useConvertToSavings(), useCreateOperation() (+35 more)
 
-### Community 19 - "SettingsPage.tsx"
+### Community 19 - "useAccounts.ts"
 Cohesion: 0.16
-Nodes (16): invalidationRoots, queryKeys, SESSION_ROOT, sessionInvalidationRoot, SPACE_ROOT, spaceInvalidationRoot, OperationFilters, useCancelDeletion() (+8 more)
+Nodes (13): invalidationRoots, queryKeys, SESSION_ROOT, sessionInvalidationRoot, SPACE_ROOT, spaceInvalidationRoot, AdjustBalancePayload, CreateAccountPayload (+5 more)
 
-### Community 20 - "Toaster.tsx"
+### Community 20 - "index.ts"
-Cohesion: 0.18
+Cohesion: 0.16
-Nodes (10): App(), queryClient, AppRoutes(), ToastApi, ToastContext, ToastItem, ToastKind, ToastProvider() (+2 more)
+Nodes (13): BudgetBlocker, blockerCta(), blockerText(), BudgetBlockers(), BudgetBlockersProps, Cta, LangSwitcher(), createI18n() (+5 more)
 
 ### Community 21 - "test_adapter_contracts.py"
-Cohesion: 0.11
+Cohesion: 0.12
-Nodes (26): AlfaCreditXlsxAdapter, account_fingerprint(), amount_to_kopecks(), _mask_digits(), money_to_kopecks(), Parse statement money strings like '-1 234,56 RUR', '+ 500.00 ₽', '12 345'.…, SourceRow, StatementDraft (+18 more)
+Nodes (19): account_fingerprint(), amount_to_kopecks(), _mask_digits(), money_to_kopecks(), Parse statement money strings like '-1 234,56 RUR', '+ 500.00 ₽', '12 345'.…, SourceRow, StatementDraft, _first_page_text() (+11 more)
 
-### Community 22 - "BudgetPage.tsx"
+### Community 22 - "AccountsPage.tsx"
-Cohesion: 0.17
+Cohesion: 0.12
-Nodes (20): NotFoundPage, OverviewPage, PageHeader(), PageHeaderProps, useBudgetCategories(), useBudgetErrorToaster(), useBudgetSummary(), useCloseMonth() (+12 more)
+Nodes (23): Account, CREATE_KINDS, Badge(), BadgeTone, Button(), ButtonProps, Variant, ConfirmDialog() (+15 more)
 
 ### Community 23 - "client.ts"
-Cohesion: 0.23
+Cohesion: 0.26
 Nodes (10): apiClient, ApiError, buildUrl(), ErrorEnvelope, parseErrorEnvelope(), QueryValue, readCsrfToken(), request() (+2 more)
 
-### Community 24 - "AccountsPage.tsx"
+### Community 24 - "fields.tsx"
-Cohesion: 0.13
+Cohesion: 0.23
-Nodes (21): AccountType, CreateAccountPayload, AccountsPage, FieldChrome, InputProps, MoneyField(), MoneyFieldProps, SelectField() (+13 more)
+Nodes (10): FieldChrome, InputProps, MoneyField(), MoneyFieldProps, SelectFieldProps, SelectProps, TextareaField(), TextareaFieldProps (+2 more)
 
 ### Community 25 - "Docker Compose Development Stack"
 Cohesion: 0.29
@@ -253,8 +270,8 @@ Cohesion: 0.18
 Nodes (11): Audited Break-Glass Access, Cross-Space Referential Integrity, Defense-in-Depth Authorization, Financial Space Ownership, Transaction-Local RLS Context, Budget Invariants, Critical User Path, Financial Tracker MVP (+3 more)
 
 ### Community 38 - "TestRocketbankDebitContract"
-Cohesion: 0.24
+Cohesion: 0.13
-Nodes (3): same_page_rocket_lines(), synthetic_rocket_lines(), TestRocketbankDebitContract
+Nodes (7): minimal_pdf(), _QuotaSettings, Build a small valid single-font PDF with empty or ASCII-only pages., same_page_rocket_lines(), synthetic_rocket_lines(), TestRocketbankDebitContract, MonkeyPatch
 
 ### Community 39 - "generate-api.mjs"
 Cohesion: 0.40
@@ -268,22 +285,34 @@ Nodes (5): components, $defs, operations, paths, webhooks
 Cohesion: 0.67
 Nodes (3): TestClient, test_invite_login_and_authenticated_space(), test_openapi_contains_critical_paths()
 
-### Community 44 - "TestAlfaDebitContract"
+### Community 44 - "helpers.tsx"
-Cohesion: 0.08
+Cohesion: 0.16
-Nodes (23): Any, Reconcile parsed rows against declared bank controls with stable diagnostics.…, _reconciliation_summary(), alfa_workbook_bytes(), synthetic_alfa_rows(), TestAlfaDebitContract, _check(), _fail() (+15 more)
+Nodes (13): User, ToastApi, ToastContext, ToastItem, ToastKind, ToastProvider(), openManager(), createTestQueryClient() (+5 more)
+
+### Community 45 - "20260922_0003_savings_system.py"
+Cohesion: 0.32
+Nodes (11): _check_constraints(), downgrade(), _has_column(), _has_row(), _has_unique_constraint(), _normalized_sqltext(), Savings system resources, adjustments and reversible conversions., Swap a check constraint for a new value list, dialect-safely. Fresh databases… (+3 more)
+
+### Community 46 - "category-manager.test.tsx"
+Cohesion: 0.15
+Nodes (11): CategoryDefinition, categoriesMock, createCategoryMock, definitions, definitionsMock, diningDefinition, month, monthCategories (+3 more)
 
 ### Community 47 - "graphify"
 Cohesion: 0.17
 Nodes (11): command, enabled, timeout, type, mcp, graphify, plugin, $schema (+3 more)
 
+### Community 50 - "Ближайший край: накопления, категории и блокировки бюджета"
+Cohesion: 0.10
+Nodes (20): 1. Доменная основа накоплений, 2. Альфа debit: «Копилка для сдачи», 3. Управление категориями, 4. Понятные и устранимые блокировки, Backend-контракт, Frontend, Ближайший край: накопления, категории и блокировки бюджета, Бюджетная семантика (+12 more)
+
+### Community 58 - "spaces/router.py"
+Cohesion: 0.17
+Nodes (20): forbidden(), cancel_deletion(), cancel_deletion(), current(), deletion_status(), DeletionBody, invite_member(), MemberInviteBody (+12 more)
+
 ### Community 62 - "LocalDirectoryBlobStore"
 Cohesion: 0.39
 Nodes (3): LocalDirectoryBlobStore, Path, S3-neutral local store; production swaps in an S3-compatible client.
 
-### Community 63 - "TestOzonDebitContract"
-Cohesion: 0.16
-Nodes (6): minimal_pdf(), ozon_extracted(), _QuotaSettings, Build a small valid single-font PDF with empty or ASCII-only pages., TestOzonDebitContract, MonkeyPatch
-
 ### Community 64 - "Gitea CI and real statement imports"
 Cohesion: 0.29
 Nodes (6): Confirmed decisions, Gitea CI and real statement imports, Goal and constraints, Implementation plan, Principal risks, Validation and rollout
@@ -292,33 +321,81 @@ Nodes (6): Confirmed decisions, Gitea CI and real statement imports, Goal and co
 Cohesion: 0.80
 Nodes (4): downgrade(), _has_check_constraint(), _has_column(), upgrade()
 
-### Community 73 - "AppError"
+### Community 67 - "main.py"
-Cohesion: 0.21
+Cohesion: 0.13
-Nodes (11): AppError, Domain error rendered as a machine-readable JSON error payload., unprocessable(), decrypt_file(), encrypt_file(), EncryptedFile, Per-file random DEK; DEK wrapped with the KEK from the secret manager., Crypto-shred hook: deleting wrapped DEK rows in DB plus blobs removes access. (+3 more)
+Nodes (23): get_db(), get_engine(), get_session_factory(), sessionmaker, app_error_handler(), health(), healthz(), get (+15 more)
+
+### Community 68 - "current_session"
+Cohesion: 0.20
+Nodes (10): current_session(), alias, Context, Db, Header, User, require_csrf(), Cookie (+2 more)
+
+### Community 69 - "TestAlfaDebitContract"
+Cohesion: 0.18
+Nodes (3): alfa_workbook_bytes(), synthetic_alfa_rows(), TestAlfaDebitContract
+
+### Community 71 - "rocketbank_pdf.py"
+Cohesion: 0.24
+Nodes (7): _date_from(), _PendingRecord, date, Rocketbank debit statement contract, evidenced against the real document.…, RocketbankDebitPdfAdapter, open_pdf(), _quota_error()
+
+### Community 73 - "savings-convert-revert.test.tsx"
+Cohesion: 0.20
+Nodes (6): budgetCategoriesMock, listAccountsMock, listOperationsMock, operations, revertMock, savingsTransferMock
+
+### Community 74 - "api"
+Cohesion: 0.22
+Nodes (5): api, adjustBalanceMock, listMock, createMock, listMock
+
+### Community 75 - "ColumnChart.tsx"
+Cohesion: 0.24
+Nodes (7): CashFlowColumn, ColumnChart(), ColumnChartProps, BarRow, HorizontalBars(), HorizontalBarsProps, rows
 
 ### Community 76 - "get_settings"
 Cohesion: 0.12
-Nodes (30): get_settings(), Settings, send_token_email(), accept_invite(), AcceptInviteBody, confirm_password_reset(), create_invite(), InviteBody (+22 more)
+Nodes (31): get_settings(), Settings, send_token_email(), accept_invite(), AcceptInviteBody, confirm_password_reset(), create_invite(), InviteBody (+23 more)
+
+### Community 79 - "dependencies.py"
+Cohesion: 0.26
+Nodes (14): Transaction-local RLS context. No-op on SQLite (tests); fail-closed on…, set_space_context(), current_context(), CurrentSession, RequestContext, FinancialSpace, Membership, get_membership() (+6 more)
+
+### Community 80 - "test_category_definitions.py"
+Cohesion: 0.54
+Nodes (7): bootstrap(), TestClient, HTTP contract for category definitions, system protections and CSRF., test_adjust_and_savings_conversion_http_contracts(), test_category_lifecycle_create_rename_archive_restore(), test_openapi_contains_new_contracts(), test_space_has_protected_savings_pair()
+
+### Community 81 - "budget-plan.test.tsx"
+Cohesion: 0.25
+Nodes (7): BudgetSummary, categories, categoriesMock, month, summary, summaryMock, updatePlanMock
+
+### Community 82 - "import-hold-resolution.test.tsx"
+Cohesion: 0.25
+Nodes (5): ImportRow, getImportMock, resolvedHold, resolveHoldMock, unresolvedHold
+
+### Community 83 - "test_postgres_and_s3.py"
+Cohesion: 0.17
+Nodes (7): BlobStore, get_blob_store(), Protocol, S3BlobStore, test_postgres_rls_requires_matching_transaction_context(), test_s3_blob_round_trip(), skipif
+
+### Community 86 - "test_import_holds.py"
+Cohesion: 0.13
+Nodes (41): normalize_description(), date, record_fingerprint(), add_record(), _draft(), hold_document(), make_document(), date (+33 more)
 
 ## Knowledge Gaps
-- **190 isolated node(s):** `$schema`, `file:///home/k1nq/repos/finance/.kilo/plugins/graphify.js`, `type`, `/home/k1nq/.local/bin/graphify-mcp`, `/home/k1nq/repos/finance/graphify-out/graph.json` (+185 more)
+- **248 isolated node(s):** `$schema`, `file:///home/k1nq/repos/finance/.kilo/plugins/graphify.js`, `type`, `/home/k1nq/.local/bin/graphify-mcp`, `/home/k1nq/repos/finance/graphify-out/graph.json` (+243 more)
-  These have ≤1 connection - possible missing edges or undocumented components. (Counts symbols only; 343 node(s) total have ≤1 connection when file, concept and rationale nodes are included.)
+  These have ≤1 connection - possible missing edges or undocumented components. (Counts symbols only; 429 node(s) total have ≤1 connection when file, concept and rationale nodes are included.)
-- **15 thin communities (<3 nodes) omitted from report** — run `graphify query` to explore isolated nodes.
+- **17 thin communities (<3 nodes) omitted from report** — run `graphify query` to explore isolated nodes.
 
 ## Suggested Questions
 _Questions this graph is uniquely positioned to answer:_
 
-- **Why does `Session` connect `Session` to `identity/service.py`, `Base`, `set_space_context`, `imports/service.py`?**
+- **Why does `Session` connect `Session` to `identity/service.py`, `Base`, `exports/service.py`, `main.py`, `imports/service.py`, `20260922_0003_savings_system.py`, `dependencies.py`, `test_postgres_and_s3.py`, `test_import_holds.py`, `spaces/router.py`?**
-  _High betweenness centrality (0.082) - this node is a cross-community bridge._
+  _High betweenness centrality (0.063) - this node is a cross-community bridge._
-- **Why does `AppError` connect `AppError` to `identity/service.py`, `set_space_context`, `imports/service.py`, `alfa_xlsx.py`, `TestRocketbankDebitContract`, `get_settings`, `Session`, `test_adapter_contracts.py`, `TestOzonDebitContract`?**
+- **Why does `AppError` connect `Session` to `identity/service.py`, `Base`, `exports/service.py`, `imports/service.py`, `alfa_xlsx.py`, `main.py`, `rocketbank_pdf.py`, `TestRocketbankDebitContract`, `get_settings`, `test_adapter_contracts.py`, `test_import_holds.py`, `spaces/router.py`, `TestOzonDebitContract`?**
-  _High betweenness centrality (0.068) - this node is a cross-community bridge._
+  _High betweenness centrality (0.050) - this node is a cross-community bridge._
-- **Why does `bad_request()` connect `Session` to `identity/service.py`, `budgeting/router.py`, `imports/service.py`, `AppError`, `ledger/router.py`?**
+- **Why does `get_settings()` connect `get_settings` to `identity/service.py`, `Base`, `exports/service.py`, `main.py`, `alfa_xlsx.py`, `imports/service.py`, `rocketbank_pdf.py`, `dependencies.py`, `test_postgres_and_s3.py`?**
-  _High betweenness centrality (0.017) - this node is a cross-community bridge._
+  _High betweenness centrality (0.018) - this node is a cross-community bridge._
-- **Are the 2 inferred relationships involving `Session` (e.g. with `UTCDateTime` and `test_postgres_rls_requires_matching_transaction_context()`) actually correct?**
+- **Are the 3 inferred relationships involving `Session` (e.g. with `upgrade()` and `UTCDateTime`) actually correct?**
-  _`Session` has 2 INFERRED edges - model-reasoned connections that need verification._
+  _`Session` has 3 INFERRED edges - model-reasoned connections that need verification._
-- **Are the 24 inferred relationships involving `AppError` (e.g. with `request_export()` and `login()`) actually correct?**
+- **Are the 40 inferred relationships involving `AppError` (e.g. with `request_export()` and `login()`) actually correct?**
-  _`AppError` has 24 INFERRED edges - model-reasoned connections that need verification._
+  _`AppError` has 40 INFERRED edges - model-reasoned connections that need verification._
 - **Are the 3 inferred relationships involving `Base` (e.g. with `downgrade()` and `upgrade()`) actually correct?**
   _`Base` has 3 INFERRED edges - model-reasoned connections that need verification._
 - **What connects `$schema`, `file:///home/k1nq/repos/finance/.kilo/plugins/graphify.js`, `type` to the rest of the system?**
-  _190 weakly-connected nodes found - possible documentation gaps or missing edges._
+  _248 weakly-connected nodes found - possible documentation gaps or missing edges._

graphify-out/manifest.json

@@ -24,16 +24,16 @@
     "semantic_hash": "d41d8cd98f00b204e9800998ecf8427e"
   },
   "backend/app/analytics/router.py": {
-    "mtime": 1789129123.9786532,
+    "mtime": 1790061745.2630062,
-    "seen": 1789377303.0691855,
+    "seen": 1790096479.536423,
-    "ast_hash": "dc4d5f43d1e17ae77b21f774d37c1106",
+    "ast_hash": "6207eef3120bdd3ae7a9692f17e80134",
-    "semantic_hash": "dc4d5f43d1e17ae77b21f774d37c1106"
+    "semantic_hash": ""
   },
   "backend/app/analytics/service.py": {
-    "mtime": 1789129314.8210335,
+    "mtime": 1790061159.3943744,
-    "seen": 1789377303.0691862,
+    "seen": 1790096479.536424,
-    "ast_hash": "0385e76cccd5d140b8cc01af5b74821e",
+    "ast_hash": "58ac24a62b4cf8a986527f79d456127d",
-    "semantic_hash": "0385e76cccd5d140b8cc01af5b74821e"
+    "semantic_hash": ""
   },
   "backend/app/audit/__init__.py": {
     "mtime": 1789127312.3538313,
@@ -66,15 +66,15 @@
     "semantic_hash": "039081cab3d91704e8f8a7152a981304"
   },
   "backend/app/budgeting/router.py": {
-    "mtime": 1789129314.8240335,
+    "mtime": 1790097111.8510067,
-    "seen": 1789377303.0691917,
+    "seen": 1790129548.0529666,
-    "ast_hash": "c352243e4fb85ab49f9cf4532c11bd3f",
+    "ast_hash": "64e5050629404acc7877b8489944f28f",
-    "semantic_hash": "c352243e4fb85ab49f9cf4532c11bd3f"
+    "semantic_hash": ""
   },
   "backend/app/budgeting/service.py": {
-    "mtime": 1789730971.072982,
+    "mtime": 1790129321.9786477,
-    "seen": 1789735433.158112,
+    "seen": 1790129548.052968,
-    "ast_hash": "c30d4c58608f88b81ff05be63a314247",
+    "ast_hash": "9e7273a5b90092b3df2fc7eb89c7bde5",
     "semantic_hash": ""
   },
   "backend/app/categorization/__init__.py": {
@@ -90,10 +90,10 @@
     "semantic_hash": "922083067aa2a24d67954296844db8f0"
   },
   "backend/app/categorization/service.py": {
-    "mtime": 1789128297.7359908,
+    "mtime": 1790060937.0384295,
-    "seen": 1789377303.0691953,
+    "seen": 1790096479.536434,
-    "ast_hash": "9590b3c99e7c2b20b40d895d7495b5cf",
+    "ast_hash": "175c114e437a93f2c4deb76c7bd7df2c",
-    "semantic_hash": "9590b3c99e7c2b20b40d895d7495b5cf"
+    "semantic_hash": ""
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infra/docker-compose.yml

@@ -84,7 +84,7 @@ services:
     networks: [backend]
 
   minio:
-    image: minio/minio:latest
+    image: quay.io/minio/minio:latest
     restart: unless-stopped
     command: ["server", "/data", "--console-address", ":9001"]
     environment: