diff --git a/CLAUDE.md b/CLAUDE.md
new file mode 100644
index 0000000..e0c1a1e
--- /dev/null
+++ b/CLAUDE.md
@@ -0,0 +1,16 @@
+# CLAUDE.md
+
+This file provides guidance to Claude Code (claude.ai/code) when working with code in this repository.
+
+## Project Overview
+
+SpendingAnalysis is a Python application that ingests data from various sources to analyze spending habits. The project is in early development.
+
+## Repository
+
+- Remote: https://gitea.conlon.fun/andy/SpendingAnalysis.git
+- Branch: main
+
+## Development Setup
+
+Python project — no build system, dependencies, or test framework configured yet. Standard Python .gitignore is in place covering common tooling (pytest, mypy, ruff, venv, etc.).
diff --git a/src/main.py b/src/main.py
new file mode 100644
index 0000000..94ff045
--- /dev/null
+++ b/src/main.py
@@ -0,0 +1,19 @@
+import sys
+from PySide6.QtWidgets import QApplication
+from src.db import get_session
+from src.seed import seed_categories
+from src.ui.main_window import MainWindow
+
+
+def main():
+    session = get_session()
+    seed_categories(session)
+
+    app = QApplication(sys.argv)
+    window = MainWindow(session)
+    window.show()
+    sys.exit(app.exec())
+
+
+if __name__ == "__main__":
+    main()
diff --git a/src/services/analysis.py b/src/services/analysis.py
new file mode 100644
index 0000000..b413a2b
--- /dev/null
+++ b/src/services/analysis.py
@@ -0,0 +1,83 @@
+# src/services/analysis.py
+import datetime
+from sqlalchemy import func
+from sqlalchemy.orm import Session
+
+from src.models.transaction import Transaction
+from src.models.category import Category
+
+
+class AnalysisService:
+    def __init__(self, session: Session):
+        self.session = session
+
+    def _base_query(self, start=None, end=None, person_id=None, account_id=None, category_id=None):
+        q = self.session.query(Transaction).filter(Transaction.is_transfer == False)
+        if start:
+            q = q.filter(Transaction.date >= start)
+        if end:
+            q = q.filter(Transaction.date <= end)
+        if person_id:
+            q = q.filter(Transaction.attributed_to_id == person_id)
+        if account_id:
+            q = q.filter(Transaction.account_id == account_id)
+        if category_id:
+            q = q.filter(Transaction.category_id == category_id)
+        return q
+
+    def spending_by_period(self, period: str = "month", **filters) -> list[dict]:
+        q = self._base_query(**filters)
+        if period == "month":
+            q = (
+                q.with_entities(
+                    func.strftime("%Y-%m", Transaction.date).label("period"),
+                    func.sum(Transaction.amount).label("total"),
+                )
+                .group_by("period")
+                .order_by("period")
+            )
+        elif period == "week":
+            q = (
+                q.with_entities(
+                    func.strftime("%Y-W%W", Transaction.date).label("period"),
+                    func.sum(Transaction.amount).label("total"),
+                )
+                .group_by("period")
+                .order_by("period")
+            )
+        elif period == "day":
+            q = (
+                q.with_entities(
+                    func.strftime("%Y-%m-%d", Transaction.date).label("period"),
+                    func.sum(Transaction.amount).label("total"),
+                )
+                .group_by("period")
+                .order_by("period")
+            )
+        return [{"period": r.period, "total": float(r.total)} for r in q.all()]
+
+    def spending_by_category(self, start=None, end=None, **filters) -> list[dict]:
+        q = self._base_query(start=start, end=end, **filters)
+        q = (
+            q.join(Category, Transaction.category_id == Category.id, isouter=True)
+            .with_entities(
+                func.coalesce(Category.name, "Uncategorized").label("category"),
+                func.sum(Transaction.amount).label("total"),
+                func.count(Transaction.id).label("count"),
+            )
+            .group_by("category")
+            .order_by(func.sum(Transaction.amount))
+        )
+        return [{"category": r.category, "total": float(r.total), "count": r.count} for r in q.all()]
+
+    def spending_by_tag(self, start=None, end=None, **filters) -> list[dict]:
+        q = self._base_query(start=start, end=end, **filters)
+        q = (
+            q.with_entities(
+                func.coalesce(Transaction.tag, "untagged").label("tag"),
+                func.sum(Transaction.amount).label("total"),
+            )
+            .group_by("tag")
+            .order_by(func.sum(Transaction.amount))
+        )
+        return [{"tag": r.tag, "total": float(r.total)} for r in q.all()]
diff --git a/src/services/csv_reader.py b/src/services/csv_reader.py
new file mode 100644
index 0000000..4d50db6
--- /dev/null
+++ b/src/services/csv_reader.py
@@ -0,0 +1,111 @@
+import csv
+import re
+from pathlib import Path
+
+
+def _looks_like_data(row: list[str]) -> bool:
+    """Check if a row looks like data rather than headers.
+
+    Returns True if any cell in the row matches a date pattern or is a
+    pure numeric value, which strongly suggests it's a data row.
+    """
+    date_pattern = re.compile(r"^\d{1,2}/\d{1,2}/\d{2,4}$")
+    for cell in row:
+        cell = cell.strip()
+        if date_pattern.match(cell):
+            return True
+        try:
+            float(cell)
+            return True
+        except ValueError:
+            pass
+    return False
+
+
+def detect_format(file_path: Path) -> dict:
+    """Detect the format of a CSV file.
+
+    Returns a dict with keys:
+        - delimiter: the field delimiter character
+        - has_headers: whether the first row is a header row
+        - file_path: string path to the file
+        - headers: list of header names (only if has_headers is True)
+        - column_count: number of columns (only if has_headers is False)
+        - row_count: number of data rows (excluding header if present)
+        - preview: first 5 data rows as lists of strings
+    """
+    with open(file_path, "r", encoding="utf-8-sig") as f:
+        sample = f.read(8192)
+
+    dialect = csv.Sniffer().sniff(sample)
+    has_headers = csv.Sniffer().has_header(sample)
+
+    with open(file_path, "r", encoding="utf-8-sig") as f:
+        reader = csv.reader(f, dialect)
+        all_rows = list(reader)
+
+    # Filter empty rows
+    all_rows = [r for r in all_rows if any(cell.strip() for cell in r)]
+
+    # Guard against Sniffer incorrectly detecting headers when the first
+    # row is actually data (e.g. Wells Fargo checking CSVs with no headers).
+    if has_headers and all_rows and _looks_like_data(all_rows[0]):
+        has_headers = False
+
+    result = {
+        "delimiter": dialect.delimiter,
+        "has_headers": has_headers,
+        "file_path": str(file_path),
+    }
+
+    if has_headers:
+        result["headers"] = all_rows[0]
+        data_rows = all_rows[1:]
+    else:
+        result["column_count"] = len(all_rows[0]) if all_rows else 0
+        data_rows = all_rows
+
+    result["row_count"] = len(data_rows)
+    result["preview"] = data_rows[:5]
+
+    return result
+
+
+def read_csv(file_path: Path) -> list[dict]:
+    """Read a CSV file and return a list of row dicts.
+
+    If the file has headers, each dict is keyed by header name.
+    If the file has no headers, each dict is keyed by column index (int).
+    """
+    with open(file_path, "r", encoding="utf-8-sig") as f:
+        sample = f.read(8192)
+
+    dialect = csv.Sniffer().sniff(sample)
+    has_headers = csv.Sniffer().has_header(sample)
+
+    with open(file_path, "r", encoding="utf-8-sig") as f:
+        if has_headers:
+            # Peek at the first row to verify it really is a header
+            reader = csv.reader(f, dialect)
+            first_row = next(reader, None)
+
+            if first_row and _looks_like_data(first_row):
+                # First row is data, not headers -- read as headerless
+                rows = []
+                rows.append({i: cell for i, cell in enumerate(first_row)})
+                for row in reader:
+                    if any(cell.strip() for cell in row):
+                        rows.append({i: cell for i, cell in enumerate(row)})
+                return rows
+
+            # Rewind and use DictReader
+            f.seek(0)
+            reader = csv.DictReader(f, dialect=dialect)
+            return [dict(row) for row in reader if any(v.strip() for v in row.values())]
+        else:
+            reader = csv.reader(f, dialect)
+            rows = []
+            for row in reader:
+                if any(cell.strip() for cell in row):
+                    rows.append({i: cell for i, cell in enumerate(row)})
+            return rows
diff --git a/src/services/forecasting.py b/src/services/forecasting.py
new file mode 100644
index 0000000..c74de10
--- /dev/null
+++ b/src/services/forecasting.py
@@ -0,0 +1,66 @@
+# src/services/forecasting.py
+import datetime
+from collections import defaultdict
+from sqlalchemy import func
+from sqlalchemy.orm import Session
+
+from src.models.transaction import Transaction
+from src.models.category import Category
+
+
+class ForecastingService:
+    def __init__(self, session: Session):
+        self.session = session
+
+    def _get_monthly_by_category(self, months_back: int = 6, exclude_descriptions: list[str] | None = None) -> dict[str, list[float]]:
+        cutoff = datetime.date.today() - datetime.timedelta(days=months_back * 31)
+        q = (
+            self.session.query(
+                func.strftime("%Y-%m", Transaction.date).label("month"),
+                func.coalesce(Category.name, "Uncategorized").label("category"),
+                func.sum(Transaction.amount).label("total"),
+            )
+            .join(Category, Transaction.category_id == Category.id, isouter=True)
+            .filter(Transaction.date >= cutoff)
+            .filter(Transaction.is_transfer == False)
+            .filter(Transaction.amount < 0)
+        )
+        if exclude_descriptions:
+            for desc in exclude_descriptions:
+                q = q.filter(~Transaction.description.contains(desc))
+
+        rows = q.group_by("month", "category").all()
+
+        by_cat: dict[str, list[float]] = defaultdict(list)
+        for row in rows:
+            by_cat[row.category].append(float(row.total))
+        return by_cat
+
+    def _weighted_average(self, values: list[float]) -> float:
+        if not values:
+            return 0.0
+        weights = list(range(1, len(values) + 1))
+        total_weight = sum(weights)
+        return sum(v * w for v, w in zip(values, weights)) / total_weight
+
+    def forecast_month(self, exclude_descriptions: list[str] | None = None) -> list[dict]:
+        by_cat = self._get_monthly_by_category(exclude_descriptions=exclude_descriptions)
+
+        results = []
+        for cat, monthly_totals in by_cat.items():
+            projected = self._weighted_average(monthly_totals)
+            results.append({
+                "category": cat,
+                "projected": round(projected, 2),
+                "confidence": "high" if len(monthly_totals) >= 3 else "low",
+            })
+
+        results.sort(key=lambda r: r["projected"])
+        return results
+
+    def forecast_year(self, exclude_descriptions: list[str] | None = None) -> list[dict]:
+        monthly = self.forecast_month(exclude_descriptions=exclude_descriptions)
+        return [
+            {**f, "projected": round(f["projected"] * 12, 2)}
+            for f in monthly
+        ]
diff --git a/src/services/normalizer.py b/src/services/normalizer.py
new file mode 100644
index 0000000..c9880bf
--- /dev/null
+++ b/src/services/normalizer.py
@@ -0,0 +1,32 @@
+import re
+import html
+
+
+def normalize_description(raw: str) -> str:
+    desc = html.unescape(raw.strip())
+
+    # Strip "PURCHASE AUTHORIZED ON MM/DD" or "RECURRING PAYMENT AUTHORIZED ON MM/DD"
+    desc = re.sub(r"^(PURCHASE|RECURRING PAYMENT|RECURRING TRANSFER)\s+AUTHORIZED ON \d{2}/\d{2}\s+", "", desc)
+
+    # Strip "CARD XXXX" at end
+    desc = re.sub(r"\s+CARD\s+\d{4}\s*$", "", desc)
+
+    # Strip long alphanumeric transaction/reference codes (10+ chars, mixed letters/digits)
+    desc = re.sub(r"\s+[A-Z0-9]{10,}\b", "", desc)
+
+    # Strip "REF #..." references
+    desc = re.sub(r"\s+REF\s+#\S+", "", desc)
+
+    # Strip masked account numbers
+    desc = re.sub(r"\s+X{4,}\d+", "", desc)
+
+    # Strip phone numbers
+    desc = re.sub(r"\s+\d{3}-\d{3}-\d{4}", "", desc)
+
+    # Strip trailing state abbreviations + zip that follow addresses
+    desc = re.sub(r"\s+[A-Z]{2}\s+\d{5}(?:-\d{4})?\s*$", "", desc)
+
+    # Clean up multiple spaces
+    desc = re.sub(r"\s{2,}", " ", desc).strip()
+
+    return desc
diff --git a/src/services/recurring.py b/src/services/recurring.py
new file mode 100644
index 0000000..02bd652
--- /dev/null
+++ b/src/services/recurring.py
@@ -0,0 +1,69 @@
+# src/services/recurring.py
+from collections import defaultdict
+from sqlalchemy.orm import Session
+
+from src.models.transaction import Transaction
+
+
+class RecurringDetector:
+    def __init__(self, session: Session):
+        self.session = session
+
+    def detect(self, amount_tolerance: float = 0.10) -> list[dict]:
+        txns = (
+            self.session.query(Transaction)
+            .filter(Transaction.amount < 0)
+            .filter(Transaction.is_transfer == False)
+            .order_by(Transaction.date)
+            .all()
+        )
+
+        groups: dict[str, list[Transaction]] = defaultdict(list)
+        for txn in txns:
+            groups[txn.description].append(txn)
+
+        results = []
+        for desc, group in groups.items():
+            if len(group) < 2:
+                continue
+
+            amounts = [abs(float(t.amount)) for t in group]
+            avg_amount = sum(amounts) / len(amounts)
+
+            if any(abs(a - avg_amount) / avg_amount > amount_tolerance for a in amounts):
+                continue
+
+            dates = sorted(t.date for t in group)
+            intervals = [(dates[i + 1] - dates[i]).days for i in range(len(dates) - 1)]
+            avg_interval = sum(intervals) / len(intervals)
+
+            frequency = self._classify_frequency(avg_interval)
+            if frequency is None:
+                continue
+
+            annual_multiplier = {"weekly": 52, "biweekly": 26, "monthly": 12, "quarterly": 4, "annual": 1}
+
+            results.append({
+                "description": desc,
+                "typical_amount": round(avg_amount, 2),
+                "frequency": frequency,
+                "annual_cost": round(avg_amount * annual_multiplier[frequency], 2),
+                "occurrences": len(group),
+                "last_date": max(dates),
+            })
+
+        results.sort(key=lambda r: r["annual_cost"], reverse=True)
+        return results
+
+    def _classify_frequency(self, avg_days: float) -> str | None:
+        if 5 <= avg_days <= 9:
+            return "weekly"
+        elif 12 <= avg_days <= 16:
+            return "biweekly"
+        elif 25 <= avg_days <= 35:
+            return "monthly"
+        elif 80 <= avg_days <= 100:
+            return "quarterly"
+        elif 350 <= avg_days <= 380:
+            return "annual"
+        return None
diff --git a/src/ui/recurring_view.py b/src/ui/recurring_view.py
new file mode 100644
index 0000000..b19cfb9
--- /dev/null
+++ b/src/ui/recurring_view.py
@@ -0,0 +1,144 @@
+from PySide6.QtWidgets import (
+    QWidget, QVBoxLayout, QHBoxLayout, QLabel, QTableWidget,
+    QTableWidgetItem, QPushButton, QHeaderView, QFrame, QAbstractItemView,
+)
+from PySide6.QtCore import Qt
+from sqlalchemy.orm import Session
+
+from src.services.recurring import RecurringDetector
+
+
+class RecurringView(QWidget):
+    """View showing detected recurring charges with confirm/dismiss controls."""
+
+    STATUS_CONFIRMED = "Confirmed"
+    STATUS_PENDING = "Pending"
+    STATUS_DISMISSED = "Dismissed"
+
+    def __init__(self, session: Session, parent: QWidget | None = None):
+        super().__init__(parent)
+        self.session = session
+        self._statuses: dict[str, str] = {}
+        self._items: list[dict] = []
+
+        self._build_ui()
+        self._run_scan()
+
+    # ── UI construction ──────────────────────────────────────────────
+
+    def _build_ui(self):
+        root = QVBoxLayout(self)
+        root.setContentsMargins(24, 24, 24, 24)
+        root.setSpacing(16)
+
+        # -- summary cards --
+        cards_layout = QHBoxLayout()
+        cards_layout.setSpacing(16)
+
+        self._monthly_label = self._make_card("Total Monthly Cost", "$0.00")
+        self._annual_label = self._make_card("Total Annual Cost", "$0.00")
+        cards_layout.addWidget(self._monthly_label)
+        cards_layout.addWidget(self._annual_label)
+        cards_layout.addStretch()
+        root.addLayout(cards_layout)
+
+        # -- toolbar --
+        toolbar = QHBoxLayout()
+        rescan_btn = QPushButton("Re-scan")
+        rescan_btn.clicked.connect(self._run_scan)
+        toolbar.addStretch()
+        toolbar.addWidget(rescan_btn)
+        root.addLayout(toolbar)
+
+        # -- table --
+        self.table = QTableWidget(0, 8)
+        self.table.setHorizontalHeaderLabels([
+            "Description", "Amount", "Frequency",
+            "Annual Cost", "Last Date", "Status",
+            "", "",
+        ])
+        self.table.horizontalHeader().setSectionResizeMode(
+            0, QHeaderView.ResizeMode.Stretch,
+        )
+        self.table.setEditTriggers(QAbstractItemView.EditTrigger.NoEditTriggers)
+        self.table.setSelectionBehavior(QAbstractItemView.SelectionBehavior.SelectRows)
+        self.table.verticalHeader().setVisible(False)
+        root.addWidget(self.table, stretch=1)
+
+    def _make_card(self, title: str, value: str) -> QFrame:
+        """Return a small card widget with a title and a value label."""
+        frame = QFrame()
+        frame.setFrameShape(QFrame.Shape.StyledPanel)
+        frame.setMinimumWidth(220)
+        layout = QVBoxLayout(frame)
+        layout.setContentsMargins(16, 12, 16, 12)
+
+        title_lbl = QLabel(title)
+        title_lbl.setStyleSheet("font-size: 12px; color: #888;")
+        layout.addWidget(title_lbl)
+
+        value_lbl = QLabel(value)
+        value_lbl.setObjectName("card_value")
+        value_lbl.setStyleSheet("font-size: 22px; font-weight: bold;")
+        layout.addWidget(value_lbl)
+
+        return frame
+
+    # ── scanning / data ──────────────────────────────────────────────
+
+    def _run_scan(self):
+        """Run the recurring-charge detector and refresh the table."""
+        detector = RecurringDetector(self.session)
+        self._items = detector.detect()
+
+        # Assign default status for new descriptions; keep existing statuses
+        for item in self._items:
+            desc = item["description"]
+            if desc not in self._statuses:
+                self._statuses[desc] = self.STATUS_PENDING
+
+        self._populate_table()
+        self._update_summary()
+
+    def _populate_table(self):
+        self.table.setRowCount(0)
+        self.table.setRowCount(len(self._items))
+
+        for row, item in enumerate(self._items):
+            desc = item["description"]
+            status = self._statuses.get(desc, self.STATUS_PENDING)
+
+            self.table.setItem(row, 0, QTableWidgetItem(desc))
+            self.table.setItem(row, 1, QTableWidgetItem(f"${item['typical_amount']:.2f}"))
+            self.table.setItem(row, 2, QTableWidgetItem(item["frequency"].title()))
+            self.table.setItem(row, 3, QTableWidgetItem(f"${item['annual_cost']:.2f}"))
+            self.table.setItem(row, 4, QTableWidgetItem(str(item["last_date"])))
+            self.table.setItem(row, 5, QTableWidgetItem(status))
+
+            confirm_btn = QPushButton("Confirm")
+            confirm_btn.clicked.connect(lambda _checked, d=desc: self._set_status(d, self.STATUS_CONFIRMED))
+            self.table.setCellWidget(row, 6, confirm_btn)
+
+            dismiss_btn = QPushButton("Dismiss")
+            dismiss_btn.clicked.connect(lambda _checked, d=desc: self._set_status(d, self.STATUS_DISMISSED))
+            self.table.setCellWidget(row, 7, dismiss_btn)
+
+    def _set_status(self, description: str, status: str):
+        self._statuses[description] = status
+        self._populate_table()
+        self._update_summary()
+
+    def _update_summary(self):
+        total_annual = sum(
+            item["annual_cost"]
+            for item in self._items
+            if self._statuses.get(item["description"]) != self.STATUS_DISMISSED
+        )
+        total_monthly = total_annual / 12.0
+
+        monthly_lbl: QLabel = self._monthly_label.findChild(QLabel, "card_value")
+        annual_lbl: QLabel = self._annual_label.findChild(QLabel, "card_value")
+        if monthly_lbl:
+            monthly_lbl.setText(f"${total_monthly:,.2f}")
+        if annual_lbl:
+            annual_lbl.setText(f"${total_annual:,.2f}")
diff --git a/src/ui/settings_view.py b/src/ui/settings_view.py
new file mode 100644
index 0000000..92a83cc
--- /dev/null
+++ b/src/ui/settings_view.py
@@ -0,0 +1,475 @@
+from __future__ import annotations
+
+from PySide6.QtWidgets import (
+    QWidget, QVBoxLayout, QHBoxLayout, QTabWidget, QTableWidget,
+    QTableWidgetItem, QPushButton, QHeaderView, QDialog, QFormLayout,
+    QLineEdit, QSpinBox, QComboBox, QCheckBox, QDialogButtonBox,
+    QAbstractItemView, QMessageBox, QLabel,
+)
+from PySide6.QtCore import Qt
+from sqlalchemy.orm import Session
+
+from src.models import (
+    Category,
+    CategorizationRule,
+    HouseholdMember,
+    Account,
+    CsvMapping,
+)
+
+
+class SettingsView(QWidget):
+    """Tabbed settings panel for managing categories, rules, household, accounts, and CSV mappings."""
+
+    def __init__(self, session: Session, parent: QWidget | None = None):
+        super().__init__(parent)
+        self.session = session
+
+        root = QVBoxLayout(self)
+        root.setContentsMargins(24, 24, 24, 24)
+
+        self.tabs = QTabWidget()
+        root.addWidget(self.tabs)
+
+        # Build each tab
+        self._build_categories_tab()
+        self._build_rules_tab()
+        self._build_household_tab()
+        self._build_accounts_tab()
+        self._build_csv_mappings_tab()
+
+        # Initial data load
+        self._load_categories()
+        self._load_rules()
+        self._load_household()
+        self._load_accounts()
+        self._load_csv_mappings()
+
+    # ================================================================
+    # Categories tab
+    # ================================================================
+
+    def _build_categories_tab(self):
+        page = QWidget()
+        layout = QVBoxLayout(page)
+
+        toolbar = QHBoxLayout()
+        add_btn = QPushButton("Add")
+        add_btn.clicked.connect(self._add_category)
+        delete_btn = QPushButton("Delete")
+        delete_btn.clicked.connect(self._delete_category)
+        toolbar.addStretch()
+        toolbar.addWidget(add_btn)
+        toolbar.addWidget(delete_btn)
+        layout.addLayout(toolbar)
+
+        self.cat_table = QTableWidget(0, 2)
+        self.cat_table.setHorizontalHeaderLabels(["Name", "Default Tag"])
+        self.cat_table.horizontalHeader().setSectionResizeMode(0, QHeaderView.ResizeMode.Stretch)
+        self.cat_table.setSelectionBehavior(QAbstractItemView.SelectionBehavior.SelectRows)
+        self.cat_table.verticalHeader().setVisible(False)
+        self.cat_table.cellChanged.connect(self._on_category_edited)
+        layout.addWidget(self.cat_table)
+
+        self.tabs.addTab(page, "Categories")
+
+    def _load_categories(self):
+        self.cat_table.blockSignals(True)
+        cats = self.session.query(Category).order_by(Category.name).all()
+        self.cat_table.setRowCount(len(cats))
+        for row, cat in enumerate(cats):
+            name_item = QTableWidgetItem(cat.name)
+            name_item.setData(Qt.ItemDataRole.UserRole, cat.id)
+            self.cat_table.setItem(row, 0, name_item)
+            self.cat_table.setItem(row, 1, QTableWidgetItem(cat.default_tag or ""))
+        self.cat_table.blockSignals(False)
+
+    def _add_category(self):
+        dlg = QDialog(self)
+        dlg.setWindowTitle("Add Category")
+        form = QFormLayout(dlg)
+        name_edit = QLineEdit()
+        tag_edit = QLineEdit()
+        form.addRow("Name:", name_edit)
+        form.addRow("Default Tag:", tag_edit)
+        buttons = QDialogButtonBox(QDialogButtonBox.StandardButton.Ok | QDialogButtonBox.StandardButton.Cancel)
+        buttons.accepted.connect(dlg.accept)
+        buttons.rejected.connect(dlg.reject)
+        form.addRow(buttons)
+
+        if dlg.exec() == QDialog.DialogCode.Accepted and name_edit.text().strip():
+            cat = Category(name=name_edit.text().strip(), default_tag=tag_edit.text().strip() or None)
+            self.session.add(cat)
+            self.session.commit()
+            self._load_categories()
+
+    def _delete_category(self):
+        row = self.cat_table.currentRow()
+        if row < 0:
+            return
+        item = self.cat_table.item(row, 0)
+        cat_id = item.data(Qt.ItemDataRole.UserRole)
+        cat = self.session.get(Category, cat_id)
+        if cat:
+            self.session.delete(cat)
+            self.session.commit()
+            self._load_categories()
+
+    def _on_category_edited(self, row: int, col: int):
+        item = self.cat_table.item(row, 0)
+        if item is None:
+            return
+        cat_id = item.data(Qt.ItemDataRole.UserRole)
+        cat = self.session.get(Category, cat_id)
+        if cat is None:
+            return
+        if col == 0:
+            cat.name = item.text()
+        elif col == 1:
+            tag_item = self.cat_table.item(row, 1)
+            cat.default_tag = tag_item.text() if tag_item else None
+        self.session.commit()
+
+    # ================================================================
+    # Rules tab
+    # ================================================================
+
+    def _build_rules_tab(self):
+        page = QWidget()
+        layout = QVBoxLayout(page)
+
+        toolbar = QHBoxLayout()
+        add_btn = QPushButton("Add")
+        add_btn.clicked.connect(self._add_rule)
+        edit_btn = QPushButton("Edit")
+        edit_btn.clicked.connect(self._edit_rule)
+        delete_btn = QPushButton("Delete")
+        delete_btn.clicked.connect(self._delete_rule)
+        toolbar.addStretch()
+        toolbar.addWidget(add_btn)
+        toolbar.addWidget(edit_btn)
+        toolbar.addWidget(delete_btn)
+        layout.addLayout(toolbar)
+
+        self.rule_table = QTableWidget(0, 5)
+        self.rule_table.setHorizontalHeaderLabels(["Pattern", "Category", "Tag Override", "Person", "Priority"])
+        self.rule_table.horizontalHeader().setSectionResizeMode(0, QHeaderView.ResizeMode.Stretch)
+        self.rule_table.setEditTriggers(QAbstractItemView.EditTrigger.NoEditTriggers)
+        self.rule_table.setSelectionBehavior(QAbstractItemView.SelectionBehavior.SelectRows)
+        self.rule_table.verticalHeader().setVisible(False)
+        layout.addWidget(self.rule_table)
+
+        self.tabs.addTab(page, "Rules")
+
+    def _load_rules(self):
+        rules = (
+            self.session.query(CategorizationRule)
+            .order_by(CategorizationRule.priority.desc())
+            .all()
+        )
+        self.rule_table.setRowCount(len(rules))
+        for row, rule in enumerate(rules):
+            pattern_item = QTableWidgetItem(rule.pattern)
+            pattern_item.setData(Qt.ItemDataRole.UserRole, rule.id)
+            self.rule_table.setItem(row, 0, pattern_item)
+            self.rule_table.setItem(row, 1, QTableWidgetItem(rule.category.name if rule.category else ""))
+            self.rule_table.setItem(row, 2, QTableWidgetItem(rule.tag_override or ""))
+            self.rule_table.setItem(row, 3, QTableWidgetItem(
+                rule.attributed_to.name if rule.attributed_to else "",
+            ))
+            self.rule_table.setItem(row, 4, QTableWidgetItem(str(rule.priority)))
+
+    def _rule_dialog(self, title: str, rule: CategorizationRule | None = None) -> dict | None:
+        """Show a dialog for add/edit of a categorization rule. Returns field dict or None."""
+        dlg = QDialog(self)
+        dlg.setWindowTitle(title)
+        form = QFormLayout(dlg)
+
+        pattern_edit = QLineEdit(rule.pattern if rule else "")
+        form.addRow("Pattern:", pattern_edit)
+
+        cat_combo = QComboBox()
+        categories = self.session.query(Category).order_by(Category.name).all()
+        cat_combo.addItem("", None)
+        for cat in categories:
+            cat_combo.addItem(cat.name, cat.id)
+        if rule and rule.category_id:
+            idx = cat_combo.findData(rule.category_id)
+            if idx >= 0:
+                cat_combo.setCurrentIndex(idx)
+        form.addRow("Category:", cat_combo)
+
+        tag_edit = QLineEdit(rule.tag_override if rule else "")
+        form.addRow("Tag Override:", tag_edit)
+
+        person_combo = QComboBox()
+        members = self.session.query(HouseholdMember).order_by(HouseholdMember.name).all()
+        person_combo.addItem("", None)
+        for m in members:
+            person_combo.addItem(m.name, m.id)
+        if rule and rule.attributed_to_id:
+            idx = person_combo.findData(rule.attributed_to_id)
+            if idx >= 0:
+                person_combo.setCurrentIndex(idx)
+        form.addRow("Person:", person_combo)
+
+        priority_spin = QSpinBox()
+        priority_spin.setRange(0, 9999)
+        priority_spin.setValue(rule.priority if rule else 0)
+        form.addRow("Priority:", priority_spin)
+
+        buttons = QDialogButtonBox(QDialogButtonBox.StandardButton.Ok | QDialogButtonBox.StandardButton.Cancel)
+        buttons.accepted.connect(dlg.accept)
+        buttons.rejected.connect(dlg.reject)
+        form.addRow(buttons)
+
+        if dlg.exec() != QDialog.DialogCode.Accepted:
+            return None
+        if not pattern_edit.text().strip():
+            return None
+
+        return {
+            "pattern": pattern_edit.text().strip(),
+            "category_id": cat_combo.currentData(),
+            "tag_override": tag_edit.text().strip() or None,
+            "attributed_to_id": person_combo.currentData(),
+            "priority": priority_spin.value(),
+        }
+
+    def _add_rule(self):
+        data = self._rule_dialog("Add Rule")
+        if data is None or data["category_id"] is None:
+            return
+        rule = CategorizationRule(**data)
+        self.session.add(rule)
+        self.session.commit()
+        self._load_rules()
+
+    def _edit_rule(self):
+        row = self.rule_table.currentRow()
+        if row < 0:
+            return
+        rule_id = self.rule_table.item(row, 0).data(Qt.ItemDataRole.UserRole)
+        rule = self.session.get(CategorizationRule, rule_id)
+        if rule is None:
+            return
+        data = self._rule_dialog("Edit Rule", rule)
+        if data is None:
+            return
+        for key, value in data.items():
+            setattr(rule, key, value)
+        self.session.commit()
+        self._load_rules()
+
+    def _delete_rule(self):
+        row = self.rule_table.currentRow()
+        if row < 0:
+            return
+        rule_id = self.rule_table.item(row, 0).data(Qt.ItemDataRole.UserRole)
+        rule = self.session.get(CategorizationRule, rule_id)
+        if rule:
+            self.session.delete(rule)
+            self.session.commit()
+            self._load_rules()
+
+    # ================================================================
+    # Household tab
+    # ================================================================
+
+    def _build_household_tab(self):
+        page = QWidget()
+        layout = QVBoxLayout(page)
+
+        toolbar = QHBoxLayout()
+        add_btn = QPushButton("Add")
+        add_btn.clicked.connect(self._add_member)
+        delete_btn = QPushButton("Delete")
+        delete_btn.clicked.connect(self._delete_member)
+        toolbar.addStretch()
+        toolbar.addWidget(add_btn)
+        toolbar.addWidget(delete_btn)
+        layout.addLayout(toolbar)
+
+        self.member_table = QTableWidget(0, 2)
+        self.member_table.setHorizontalHeaderLabels(["Name", "Relationship"])
+        self.member_table.horizontalHeader().setSectionResizeMode(0, QHeaderView.ResizeMode.Stretch)
+        self.member_table.setEditTriggers(QAbstractItemView.EditTrigger.NoEditTriggers)
+        self.member_table.setSelectionBehavior(QAbstractItemView.SelectionBehavior.SelectRows)
+        self.member_table.verticalHeader().setVisible(False)
+        layout.addWidget(self.member_table)
+
+        self.tabs.addTab(page, "Household")
+
+    def _load_household(self):
+        members = self.session.query(HouseholdMember).order_by(HouseholdMember.name).all()
+        self.member_table.setRowCount(len(members))
+        for row, m in enumerate(members):
+            name_item = QTableWidgetItem(m.name)
+            name_item.setData(Qt.ItemDataRole.UserRole, m.id)
+            self.member_table.setItem(row, 0, name_item)
+            self.member_table.setItem(row, 1, QTableWidgetItem(m.relationship))
+
+    def _add_member(self):
+        dlg = QDialog(self)
+        dlg.setWindowTitle("Add Household Member")
+        form = QFormLayout(dlg)
+        name_edit = QLineEdit()
+        rel_edit = QLineEdit()
+        form.addRow("Name:", name_edit)
+        form.addRow("Relationship:", rel_edit)
+        buttons = QDialogButtonBox(QDialogButtonBox.StandardButton.Ok | QDialogButtonBox.StandardButton.Cancel)
+        buttons.accepted.connect(dlg.accept)
+        buttons.rejected.connect(dlg.reject)
+        form.addRow(buttons)
+
+        if dlg.exec() == QDialog.DialogCode.Accepted and name_edit.text().strip():
+            member = HouseholdMember(
+                name=name_edit.text().strip(),
+                relationship=rel_edit.text().strip(),
+            )
+            self.session.add(member)
+            self.session.commit()
+            self._load_household()
+
+    def _delete_member(self):
+        row = self.member_table.currentRow()
+        if row < 0:
+            return
+        member_id = self.member_table.item(row, 0).data(Qt.ItemDataRole.UserRole)
+        member = self.session.get(HouseholdMember, member_id)
+        if member:
+            self.session.delete(member)
+            self.session.commit()
+            self._load_household()
+
+    # ================================================================
+    # Accounts tab
+    # ================================================================
+
+    def _build_accounts_tab(self):
+        page = QWidget()
+        layout = QVBoxLayout(page)
+
+        toolbar = QHBoxLayout()
+        edit_btn = QPushButton("Edit")
+        edit_btn.clicked.connect(self._edit_account)
+        toolbar.addStretch()
+        toolbar.addWidget(edit_btn)
+        layout.addLayout(toolbar)
+
+        self.acct_table = QTableWidget(0, 5)
+        self.acct_table.setHorizontalHeaderLabels(["Name", "Institution", "Type", "Owner", "Shared"])
+        self.acct_table.horizontalHeader().setSectionResizeMode(0, QHeaderView.ResizeMode.Stretch)
+        self.acct_table.setEditTriggers(QAbstractItemView.EditTrigger.NoEditTriggers)
+        self.acct_table.setSelectionBehavior(QAbstractItemView.SelectionBehavior.SelectRows)
+        self.acct_table.verticalHeader().setVisible(False)
+        layout.addWidget(self.acct_table)
+
+        self.tabs.addTab(page, "Accounts")
+
+    def _load_accounts(self):
+        accounts = self.session.query(Account).order_by(Account.name).all()
+        self.acct_table.setRowCount(len(accounts))
+        for row, acct in enumerate(accounts):
+            name_item = QTableWidgetItem(acct.name)
+            name_item.setData(Qt.ItemDataRole.UserRole, acct.id)
+            self.acct_table.setItem(row, 0, name_item)
+            self.acct_table.setItem(row, 1, QTableWidgetItem(acct.institution))
+            self.acct_table.setItem(row, 2, QTableWidgetItem(acct.account_type))
+            self.acct_table.setItem(row, 3, QTableWidgetItem(acct.owner.name if acct.owner else ""))
+            self.acct_table.setItem(row, 4, QTableWidgetItem("Yes" if acct.is_shared else "No"))
+
+    def _edit_account(self):
+        row = self.acct_table.currentRow()
+        if row < 0:
+            return
+        acct_id = self.acct_table.item(row, 0).data(Qt.ItemDataRole.UserRole)
+        acct = self.session.get(Account, acct_id)
+        if acct is None:
+            return
+
+        dlg = QDialog(self)
+        dlg.setWindowTitle("Edit Account")
+        form = QFormLayout(dlg)
+
+        name_edit = QLineEdit(acct.name)
+        inst_edit = QLineEdit(acct.institution)
+        type_edit = QLineEdit(acct.account_type)
+        form.addRow("Name:", name_edit)
+        form.addRow("Institution:", inst_edit)
+        form.addRow("Type:", type_edit)
+
+        owner_combo = QComboBox()
+        members = self.session.query(HouseholdMember).order_by(HouseholdMember.name).all()
+        owner_combo.addItem("", None)
+        for m in members:
+            owner_combo.addItem(m.name, m.id)
+        if acct.owner_id:
+            idx = owner_combo.findData(acct.owner_id)
+            if idx >= 0:
+                owner_combo.setCurrentIndex(idx)
+        form.addRow("Owner:", owner_combo)
+
+        shared_check = QCheckBox()
+        shared_check.setChecked(acct.is_shared)
+        form.addRow("Shared:", shared_check)
+
+        buttons = QDialogButtonBox(QDialogButtonBox.StandardButton.Ok | QDialogButtonBox.StandardButton.Cancel)
+        buttons.accepted.connect(dlg.accept)
+        buttons.rejected.connect(dlg.reject)
+        form.addRow(buttons)
+
+        if dlg.exec() == QDialog.DialogCode.Accepted:
+            acct.name = name_edit.text().strip() or acct.name
+            acct.institution = inst_edit.text().strip() or acct.institution
+            acct.account_type = type_edit.text().strip() or acct.account_type
+            acct.owner_id = owner_combo.currentData()
+            acct.is_shared = shared_check.isChecked()
+            self.session.commit()
+            self._load_accounts()
+
+    # ================================================================
+    # CSV Mappings tab
+    # ================================================================
+
+    def _build_csv_mappings_tab(self):
+        page = QWidget()
+        layout = QVBoxLayout(page)
+
+        toolbar = QHBoxLayout()
+        delete_btn = QPushButton("Delete")
+        delete_btn.clicked.connect(self._delete_csv_mapping)
+        toolbar.addStretch()
+        toolbar.addWidget(delete_btn)
+        layout.addLayout(toolbar)
+
+        self.csv_table = QTableWidget(0, 3)
+        self.csv_table.setHorizontalHeaderLabels(["Name", "Account", "Fingerprint"])
+        self.csv_table.horizontalHeader().setSectionResizeMode(0, QHeaderView.ResizeMode.Stretch)
+        self.csv_table.setEditTriggers(QAbstractItemView.EditTrigger.NoEditTriggers)
+        self.csv_table.setSelectionBehavior(QAbstractItemView.SelectionBehavior.SelectRows)
+        self.csv_table.verticalHeader().setVisible(False)
+        layout.addWidget(self.csv_table)
+
+        self.tabs.addTab(page, "CSV Mappings")
+
+    def _load_csv_mappings(self):
+        mappings = self.session.query(CsvMapping).order_by(CsvMapping.name).all()
+        self.csv_table.setRowCount(len(mappings))
+        for row, m in enumerate(mappings):
+            name_item = QTableWidgetItem(m.name)
+            name_item.setData(Qt.ItemDataRole.UserRole, m.id)
+            self.csv_table.setItem(row, 0, name_item)
+            self.csv_table.setItem(row, 1, QTableWidgetItem(m.account.name if m.account else ""))
+            self.csv_table.setItem(row, 2, QTableWidgetItem(m.fingerprint))
+
+    def _delete_csv_mapping(self):
+        row = self.csv_table.currentRow()
+        if row < 0:
+            return
+        mapping_id = self.csv_table.item(row, 0).data(Qt.ItemDataRole.UserRole)
+        mapping = self.session.get(CsvMapping, mapping_id)
+        if mapping:
+            self.session.delete(mapping)
+            self.session.commit()
+            self._load_csv_mappings()
diff --git a/src/ui/sidebar.py b/src/ui/sidebar.py
new file mode 100644
index 0000000..842087b
--- /dev/null
+++ b/src/ui/sidebar.py
@@ -0,0 +1,55 @@
+from PySide6.QtWidgets import QWidget, QVBoxLayout, QPushButton, QFrame
+from PySide6.QtCore import Signal
+
+
+class Sidebar(QFrame):
+    view_changed = Signal(str)
+    theme_toggled = Signal(str)
+
+    VIEWS = [
+        ("Import", "import"),
+        ("Transactions", "transactions"),
+        ("Analysis", "analysis"),
+        ("Recurring", "recurring"),
+        ("Settings", "settings"),
+    ]
+
+    def __init__(self, parent=None):
+        super().__init__(parent)
+        self.setObjectName("sidebar")
+        self.setFixedWidth(200)
+        layout = QVBoxLayout(self)
+        layout.setContentsMargins(0, 10, 0, 10)
+
+        self._buttons: dict[str, QPushButton] = {}
+        for label, key in self.VIEWS:
+            btn = QPushButton(label)
+            btn.setObjectName(f"sidebar-{key}")
+            btn.setCheckable(True)
+            btn.clicked.connect(lambda checked, k=key: self._on_click(k))
+            layout.addWidget(btn)
+            self._buttons[key] = btn
+
+        layout.addStretch()
+
+        self._current_theme = "dark"
+        self._theme_btn = QPushButton("Light Theme")
+        self._theme_btn.setObjectName("theme-toggle")
+        self._theme_btn.clicked.connect(self._on_theme_toggle)
+        layout.addWidget(self._theme_btn)
+
+        self._buttons["import"].setChecked(True)
+
+    def _on_click(self, key: str):
+        for k, btn in self._buttons.items():
+            btn.setChecked(k == key)
+        self.view_changed.emit(key)
+
+    def _on_theme_toggle(self):
+        if self._current_theme == "dark":
+            self._current_theme = "light"
+            self._theme_btn.setText("Dark Theme")
+        else:
+            self._current_theme = "dark"
+            self._theme_btn.setText("Light Theme")
+        self.theme_toggled.emit(self._current_theme)
diff --git a/src/ui/themes/__init__.py b/src/ui/themes/__init__.py
new file mode 100644
index 0000000..e69de29
diff --git a/src/ui/themes/dark.qss b/src/ui/themes/dark.qss
new file mode 100644
index 0000000..2014340
--- /dev/null
+++ b/src/ui/themes/dark.qss
@@ -0,0 +1,402 @@
+/* ===== Dark Theme ===== */
+/* Background: #1e1e2e  Surface: #2a2a3c  Text: #cdd6f4
+   Accent: #89b4fa  Border: #45475a
+   Success/Income: #a6e3a1  Error/Expense: #f38ba8 */
+
+/* ---------- Base Widgets ---------- */
+QMainWindow, QWidget {
+    background-color: #1e1e2e;
+    color: #cdd6f4;
+    font-family: "Segoe UI", "Roboto", sans-serif;
+    font-size: 14px;
+}
+
+QLabel {
+    color: #cdd6f4;
+    background: transparent;
+}
+
+/* ---------- Sidebar ---------- */
+#sidebar {
+    background-color: #2a2a3c;
+    border-right: 1px solid #45475a;
+}
+
+#sidebar QPushButton {
+    background-color: transparent;
+    color: #cdd6f4;
+    border: none;
+    border-radius: 6px;
+    padding: 10px 16px;
+    text-align: left;
+    font-size: 14px;
+    margin: 2px 8px;
+}
+
+#sidebar QPushButton:hover {
+    background-color: #45475a;
+}
+
+#sidebar QPushButton:checked {
+    background-color: #89b4fa;
+    color: #1e1e2e;
+    font-weight: bold;
+}
+
+#sidebar QPushButton#theme-toggle {
+    background-color: #45475a;
+    color: #cdd6f4;
+    border-radius: 6px;
+    padding: 8px 16px;
+    margin: 8px;
+    text-align: center;
+    font-size: 13px;
+}
+
+#sidebar QPushButton#theme-toggle:hover {
+    background-color: #585b70;
+}
+
+/* ---------- QPushButton (general) ---------- */
+QPushButton {
+    background-color: #89b4fa;
+    color: #1e1e2e;
+    border: none;
+    border-radius: 6px;
+    padding: 8px 16px;
+    font-weight: bold;
+    font-size: 14px;
+}
+
+QPushButton:hover {
+    background-color: #74a8fc;
+}
+
+QPushButton:pressed {
+    background-color: #5b96f7;
+}
+
+QPushButton:disabled {
+    background-color: #45475a;
+    color: #6c7086;
+}
+
+/* ---------- QTableView / QTableWidget ---------- */
+QTableView, QTableWidget {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    gridline-color: #45475a;
+    border: 1px solid #45475a;
+    border-radius: 4px;
+    selection-background-color: #89b4fa;
+    selection-color: #1e1e2e;
+    alternate-background-color: #313244;
+}
+
+QTableView::item, QTableWidget::item {
+    padding: 6px 8px;
+}
+
+QTableView::item:hover, QTableWidget::item:hover {
+    background-color: #45475a;
+}
+
+/* ---------- QHeaderView ---------- */
+QHeaderView::section {
+    background-color: #313244;
+    color: #cdd6f4;
+    padding: 6px 10px;
+    border: none;
+    border-bottom: 2px solid #45475a;
+    border-right: 1px solid #45475a;
+    font-weight: bold;
+}
+
+QHeaderView::section:hover {
+    background-color: #45475a;
+}
+
+/* ---------- QComboBox ---------- */
+QComboBox {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-radius: 6px;
+    padding: 6px 10px;
+    min-width: 100px;
+}
+
+QComboBox:hover {
+    border-color: #89b4fa;
+}
+
+QComboBox::drop-down {
+    subcontrol-origin: padding;
+    subcontrol-position: top right;
+    width: 24px;
+    border-left: 1px solid #45475a;
+    border-top-right-radius: 6px;
+    border-bottom-right-radius: 6px;
+}
+
+QComboBox QAbstractItemView {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    selection-background-color: #89b4fa;
+    selection-color: #1e1e2e;
+}
+
+/* ---------- QLineEdit ---------- */
+QLineEdit {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-radius: 6px;
+    padding: 6px 10px;
+}
+
+QLineEdit:focus {
+    border-color: #89b4fa;
+}
+
+QLineEdit:disabled {
+    background-color: #313244;
+    color: #6c7086;
+}
+
+/* ---------- QDateEdit ---------- */
+QDateEdit {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-radius: 6px;
+    padding: 6px 10px;
+}
+
+QDateEdit:focus {
+    border-color: #89b4fa;
+}
+
+QDateEdit::drop-down {
+    subcontrol-origin: padding;
+    subcontrol-position: top right;
+    width: 24px;
+    border-left: 1px solid #45475a;
+}
+
+/* ---------- QTabWidget / QTabBar ---------- */
+QTabWidget::pane {
+    background-color: #2a2a3c;
+    border: 1px solid #45475a;
+    border-radius: 4px;
+    top: -1px;
+}
+
+QTabBar::tab {
+    background-color: #313244;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-bottom: none;
+    border-top-left-radius: 6px;
+    border-top-right-radius: 6px;
+    padding: 8px 16px;
+    margin-right: 2px;
+}
+
+QTabBar::tab:hover {
+    background-color: #45475a;
+}
+
+QTabBar::tab:selected {
+    background-color: #89b4fa;
+    color: #1e1e2e;
+    font-weight: bold;
+}
+
+/* ---------- QScrollBar (vertical) ---------- */
+QScrollBar:vertical {
+    background-color: #1e1e2e;
+    width: 10px;
+    margin: 0;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:vertical {
+    background-color: #45475a;
+    min-height: 30px;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:vertical:hover {
+    background-color: #585b70;
+}
+
+QScrollBar::add-line:vertical, QScrollBar::sub-line:vertical {
+    height: 0;
+}
+
+QScrollBar::add-page:vertical, QScrollBar::sub-page:vertical {
+    background: none;
+}
+
+/* ---------- QScrollBar (horizontal) ---------- */
+QScrollBar:horizontal {
+    background-color: #1e1e2e;
+    height: 10px;
+    margin: 0;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:horizontal {
+    background-color: #45475a;
+    min-width: 30px;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:horizontal:hover {
+    background-color: #585b70;
+}
+
+QScrollBar::add-line:horizontal, QScrollBar::sub-line:horizontal {
+    width: 0;
+}
+
+QScrollBar::add-page:horizontal, QScrollBar::sub-page:horizontal {
+    background: none;
+}
+
+/* ---------- QMessageBox ---------- */
+QMessageBox {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+}
+
+QMessageBox QLabel {
+    color: #cdd6f4;
+}
+
+QMessageBox QPushButton {
+    min-width: 80px;
+}
+
+/* ---------- QToolTip ---------- */
+QToolTip {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    padding: 4px 8px;
+    border-radius: 4px;
+}
+
+/* ---------- QGroupBox ---------- */
+QGroupBox {
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-radius: 6px;
+    margin-top: 8px;
+    padding-top: 16px;
+    font-weight: bold;
+}
+
+QGroupBox::title {
+    subcontrol-origin: margin;
+    subcontrol-position: top left;
+    padding: 0 6px;
+    color: #89b4fa;
+}
+
+/* ---------- QProgressBar ---------- */
+QProgressBar {
+    background-color: #313244;
+    border: 1px solid #45475a;
+    border-radius: 6px;
+    text-align: center;
+    color: #cdd6f4;
+    height: 20px;
+}
+
+QProgressBar::chunk {
+    background-color: #89b4fa;
+    border-radius: 5px;
+}
+
+/* ---------- QMenu ---------- */
+QMenu {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-radius: 4px;
+    padding: 4px;
+}
+
+QMenu::item {
+    padding: 6px 24px;
+    border-radius: 4px;
+}
+
+QMenu::item:selected {
+    background-color: #89b4fa;
+    color: #1e1e2e;
+}
+
+QMenu::separator {
+    height: 1px;
+    background-color: #45475a;
+    margin: 4px 8px;
+}
+
+/* ---------- QStatusBar ---------- */
+QStatusBar {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border-top: 1px solid #45475a;
+}
+
+/* ---------- QCheckBox / QRadioButton ---------- */
+QCheckBox, QRadioButton {
+    color: #cdd6f4;
+    spacing: 8px;
+}
+
+QCheckBox::indicator, QRadioButton::indicator {
+    width: 18px;
+    height: 18px;
+    border: 2px solid #45475a;
+    background-color: #2a2a3c;
+}
+
+QCheckBox::indicator {
+    border-radius: 4px;
+}
+
+QRadioButton::indicator {
+    border-radius: 10px;
+}
+
+QCheckBox::indicator:checked, QRadioButton::indicator:checked {
+    background-color: #89b4fa;
+    border-color: #89b4fa;
+}
+
+/* ---------- QSpinBox / QDoubleSpinBox ---------- */
+QSpinBox, QDoubleSpinBox {
+    background-color: #2a2a3c;
+    color: #cdd6f4;
+    border: 1px solid #45475a;
+    border-radius: 6px;
+    padding: 4px 8px;
+}
+
+QSpinBox:focus, QDoubleSpinBox:focus {
+    border-color: #89b4fa;
+}
+
+/* ---------- Semantic Colors (via properties or classes) ---------- */
+QLabel[cssClass="income"] {
+    color: #a6e3a1;
+}
+
+QLabel[cssClass="expense"] {
+    color: #f38ba8;
+}
diff --git a/src/ui/themes/light.qss b/src/ui/themes/light.qss
new file mode 100644
index 0000000..11e3cd3
--- /dev/null
+++ b/src/ui/themes/light.qss
@@ -0,0 +1,402 @@
+/* ===== Light Theme ===== */
+/* Background: #eff1f5  Surface: #ffffff  Text: #4c4f69
+   Accent: #1e66f5  Border: #ccd0da
+   Success/Income: #40a02b  Error/Expense: #d20f39 */
+
+/* ---------- Base Widgets ---------- */
+QMainWindow, QWidget {
+    background-color: #eff1f5;
+    color: #4c4f69;
+    font-family: "Segoe UI", "Roboto", sans-serif;
+    font-size: 14px;
+}
+
+QLabel {
+    color: #4c4f69;
+    background: transparent;
+}
+
+/* ---------- Sidebar ---------- */
+#sidebar {
+    background-color: #ffffff;
+    border-right: 1px solid #ccd0da;
+}
+
+#sidebar QPushButton {
+    background-color: transparent;
+    color: #4c4f69;
+    border: none;
+    border-radius: 6px;
+    padding: 10px 16px;
+    text-align: left;
+    font-size: 14px;
+    margin: 2px 8px;
+}
+
+#sidebar QPushButton:hover {
+    background-color: #e6e9ef;
+}
+
+#sidebar QPushButton:checked {
+    background-color: #1e66f5;
+    color: #ffffff;
+    font-weight: bold;
+}
+
+#sidebar QPushButton#theme-toggle {
+    background-color: #e6e9ef;
+    color: #4c4f69;
+    border-radius: 6px;
+    padding: 8px 16px;
+    margin: 8px;
+    text-align: center;
+    font-size: 13px;
+}
+
+#sidebar QPushButton#theme-toggle:hover {
+    background-color: #ccd0da;
+}
+
+/* ---------- QPushButton (general) ---------- */
+QPushButton {
+    background-color: #1e66f5;
+    color: #ffffff;
+    border: none;
+    border-radius: 6px;
+    padding: 8px 16px;
+    font-weight: bold;
+    font-size: 14px;
+}
+
+QPushButton:hover {
+    background-color: #1a5be0;
+}
+
+QPushButton:pressed {
+    background-color: #1650c8;
+}
+
+QPushButton:disabled {
+    background-color: #ccd0da;
+    color: #9ca0b0;
+}
+
+/* ---------- QTableView / QTableWidget ---------- */
+QTableView, QTableWidget {
+    background-color: #ffffff;
+    color: #4c4f69;
+    gridline-color: #ccd0da;
+    border: 1px solid #ccd0da;
+    border-radius: 4px;
+    selection-background-color: #1e66f5;
+    selection-color: #ffffff;
+    alternate-background-color: #eff1f5;
+}
+
+QTableView::item, QTableWidget::item {
+    padding: 6px 8px;
+}
+
+QTableView::item:hover, QTableWidget::item:hover {
+    background-color: #e6e9ef;
+}
+
+/* ---------- QHeaderView ---------- */
+QHeaderView::section {
+    background-color: #e6e9ef;
+    color: #4c4f69;
+    padding: 6px 10px;
+    border: none;
+    border-bottom: 2px solid #ccd0da;
+    border-right: 1px solid #ccd0da;
+    font-weight: bold;
+}
+
+QHeaderView::section:hover {
+    background-color: #ccd0da;
+}
+
+/* ---------- QComboBox ---------- */
+QComboBox {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-radius: 6px;
+    padding: 6px 10px;
+    min-width: 100px;
+}
+
+QComboBox:hover {
+    border-color: #1e66f5;
+}
+
+QComboBox::drop-down {
+    subcontrol-origin: padding;
+    subcontrol-position: top right;
+    width: 24px;
+    border-left: 1px solid #ccd0da;
+    border-top-right-radius: 6px;
+    border-bottom-right-radius: 6px;
+}
+
+QComboBox QAbstractItemView {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    selection-background-color: #1e66f5;
+    selection-color: #ffffff;
+}
+
+/* ---------- QLineEdit ---------- */
+QLineEdit {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-radius: 6px;
+    padding: 6px 10px;
+}
+
+QLineEdit:focus {
+    border-color: #1e66f5;
+}
+
+QLineEdit:disabled {
+    background-color: #eff1f5;
+    color: #9ca0b0;
+}
+
+/* ---------- QDateEdit ---------- */
+QDateEdit {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-radius: 6px;
+    padding: 6px 10px;
+}
+
+QDateEdit:focus {
+    border-color: #1e66f5;
+}
+
+QDateEdit::drop-down {
+    subcontrol-origin: padding;
+    subcontrol-position: top right;
+    width: 24px;
+    border-left: 1px solid #ccd0da;
+}
+
+/* ---------- QTabWidget / QTabBar ---------- */
+QTabWidget::pane {
+    background-color: #ffffff;
+    border: 1px solid #ccd0da;
+    border-radius: 4px;
+    top: -1px;
+}
+
+QTabBar::tab {
+    background-color: #e6e9ef;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-bottom: none;
+    border-top-left-radius: 6px;
+    border-top-right-radius: 6px;
+    padding: 8px 16px;
+    margin-right: 2px;
+}
+
+QTabBar::tab:hover {
+    background-color: #ccd0da;
+}
+
+QTabBar::tab:selected {
+    background-color: #1e66f5;
+    color: #ffffff;
+    font-weight: bold;
+}
+
+/* ---------- QScrollBar (vertical) ---------- */
+QScrollBar:vertical {
+    background-color: #eff1f5;
+    width: 10px;
+    margin: 0;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:vertical {
+    background-color: #ccd0da;
+    min-height: 30px;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:vertical:hover {
+    background-color: #acb0be;
+}
+
+QScrollBar::add-line:vertical, QScrollBar::sub-line:vertical {
+    height: 0;
+}
+
+QScrollBar::add-page:vertical, QScrollBar::sub-page:vertical {
+    background: none;
+}
+
+/* ---------- QScrollBar (horizontal) ---------- */
+QScrollBar:horizontal {
+    background-color: #eff1f5;
+    height: 10px;
+    margin: 0;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:horizontal {
+    background-color: #ccd0da;
+    min-width: 30px;
+    border-radius: 5px;
+}
+
+QScrollBar::handle:horizontal:hover {
+    background-color: #acb0be;
+}
+
+QScrollBar::add-line:horizontal, QScrollBar::sub-line:horizontal {
+    width: 0;
+}
+
+QScrollBar::add-page:horizontal, QScrollBar::sub-page:horizontal {
+    background: none;
+}
+
+/* ---------- QMessageBox ---------- */
+QMessageBox {
+    background-color: #ffffff;
+    color: #4c4f69;
+}
+
+QMessageBox QLabel {
+    color: #4c4f69;
+}
+
+QMessageBox QPushButton {
+    min-width: 80px;
+}
+
+/* ---------- QToolTip ---------- */
+QToolTip {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    padding: 4px 8px;
+    border-radius: 4px;
+}
+
+/* ---------- QGroupBox ---------- */
+QGroupBox {
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-radius: 6px;
+    margin-top: 8px;
+    padding-top: 16px;
+    font-weight: bold;
+}
+
+QGroupBox::title {
+    subcontrol-origin: margin;
+    subcontrol-position: top left;
+    padding: 0 6px;
+    color: #1e66f5;
+}
+
+/* ---------- QProgressBar ---------- */
+QProgressBar {
+    background-color: #e6e9ef;
+    border: 1px solid #ccd0da;
+    border-radius: 6px;
+    text-align: center;
+    color: #4c4f69;
+    height: 20px;
+}
+
+QProgressBar::chunk {
+    background-color: #1e66f5;
+    border-radius: 5px;
+}
+
+/* ---------- QMenu ---------- */
+QMenu {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-radius: 4px;
+    padding: 4px;
+}
+
+QMenu::item {
+    padding: 6px 24px;
+    border-radius: 4px;
+}
+
+QMenu::item:selected {
+    background-color: #1e66f5;
+    color: #ffffff;
+}
+
+QMenu::separator {
+    height: 1px;
+    background-color: #ccd0da;
+    margin: 4px 8px;
+}
+
+/* ---------- QStatusBar ---------- */
+QStatusBar {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border-top: 1px solid #ccd0da;
+}
+
+/* ---------- QCheckBox / QRadioButton ---------- */
+QCheckBox, QRadioButton {
+    color: #4c4f69;
+    spacing: 8px;
+}
+
+QCheckBox::indicator, QRadioButton::indicator {
+    width: 18px;
+    height: 18px;
+    border: 2px solid #ccd0da;
+    background-color: #ffffff;
+}
+
+QCheckBox::indicator {
+    border-radius: 4px;
+}
+
+QRadioButton::indicator {
+    border-radius: 10px;
+}
+
+QCheckBox::indicator:checked, QRadioButton::indicator:checked {
+    background-color: #1e66f5;
+    border-color: #1e66f5;
+}
+
+/* ---------- QSpinBox / QDoubleSpinBox ---------- */
+QSpinBox, QDoubleSpinBox {
+    background-color: #ffffff;
+    color: #4c4f69;
+    border: 1px solid #ccd0da;
+    border-radius: 6px;
+    padding: 4px 8px;
+}
+
+QSpinBox:focus, QDoubleSpinBox:focus {
+    border-color: #1e66f5;
+}
+
+/* ---------- Semantic Colors (via properties or classes) ---------- */
+QLabel[cssClass="income"] {
+    color: #40a02b;
+}
+
+QLabel[cssClass="expense"] {
+    color: #d20f39;
+}
diff --git a/tests/services/test_analysis.py b/tests/services/test_analysis.py
new file mode 100644
index 0000000..f00acf7
--- /dev/null
+++ b/tests/services/test_analysis.py
@@ -0,0 +1,92 @@
+# tests/services/test_analysis.py
+import datetime
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session
+
+from src.db import Base
+from src.models import *
+from src.seed import seed_categories
+from src.services.analysis import AnalysisService
+
+
+def make_session():
+    engine = create_engine("sqlite:///:memory:")
+    Base.metadata.create_all(engine)
+    return Session(engine)
+
+
+def make_test_data(session):
+    seed_categories(session)
+    member = HouseholdMember(name="Andrew", relationship="self")
+    session.add(member)
+    session.flush()
+    account = Account(name="Chase", institution="Chase", account_type="credit", owner_id=member.id)
+    session.add(account)
+    session.flush()
+    groceries = session.query(Category).filter_by(name="Groceries").one()
+    dining = session.query(Category).filter_by(name="Dining Out").one()
+
+    txns = [
+        Transaction(date=datetime.date(2026, 1, 5), amount=-50.0, description="PUBLIX", account_id=account.id, category_id=groceries.id, tag="needs"),
+        Transaction(date=datetime.date(2026, 1, 12), amount=-30.0, description="ALDI", account_id=account.id, category_id=groceries.id, tag="needs"),
+        Transaction(date=datetime.date(2026, 1, 20), amount=-15.0, description="CHICK-FIL-A", account_id=account.id, category_id=dining.id, tag="wants"),
+        Transaction(date=datetime.date(2026, 2, 3), amount=-60.0, description="PUBLIX", account_id=account.id, category_id=groceries.id, tag="needs"),
+        Transaction(date=datetime.date(2026, 2, 7), amount=-25.0, description="KFC", account_id=account.id, category_id=dining.id, tag="wants"),
+    ]
+    session.add_all(txns)
+    session.commit()
+    return account, member
+
+
+def test_spending_by_month():
+    session = make_session()
+    make_test_data(session)
+    svc = AnalysisService(session)
+    result = svc.spending_by_period("month")
+    assert len(result) == 2
+    jan = [r for r in result if r["period"] == "2026-01"][0]
+    assert jan["total"] == -95.0
+
+
+def test_spending_by_category():
+    session = make_session()
+    make_test_data(session)
+    svc = AnalysisService(session)
+    result = svc.spending_by_category(
+        start=datetime.date(2026, 1, 1),
+        end=datetime.date(2026, 2, 28),
+    )
+    groceries_row = [r for r in result if r["category"] == "Groceries"][0]
+    assert groceries_row["total"] == -140.0
+
+
+def test_spending_by_tag():
+    session = make_session()
+    make_test_data(session)
+    svc = AnalysisService(session)
+    result = svc.spending_by_tag(
+        start=datetime.date(2026, 1, 1),
+        end=datetime.date(2026, 2, 28),
+    )
+    needs = [r for r in result if r["tag"] == "needs"][0]
+    wants = [r for r in result if r["tag"] == "wants"][0]
+    assert needs["total"] == -140.0
+    assert wants["total"] == -40.0
+
+
+def test_spending_filtered_by_person():
+    session = make_session()
+    account, member = make_test_data(session)
+    txns = session.query(Transaction).all()
+    for t in txns:
+        t.attributed_to_id = member.id
+    session.commit()
+
+    svc = AnalysisService(session)
+    result = svc.spending_by_category(
+        start=datetime.date(2026, 1, 1),
+        end=datetime.date(2026, 2, 28),
+        person_id=member.id,
+    )
+    total = sum(r["total"] for r in result)
+    assert total == -180.0
diff --git a/tests/services/test_csv_reader.py b/tests/services/test_csv_reader.py
new file mode 100644
index 0000000..3537dab
--- /dev/null
+++ b/tests/services/test_csv_reader.py
@@ -0,0 +1,42 @@
+from pathlib import Path
+from src.services.csv_reader import read_csv, detect_format
+
+RAWDATA = Path(__file__).parent.parent.parent / "rawdata"
+
+
+def test_detect_chase_format():
+    result = detect_format(RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV")
+    assert result["has_headers"] is True
+    assert "Transaction Date" in result["headers"]
+    assert result["delimiter"] == ","
+    assert result["row_count"] > 0
+
+
+def test_detect_checking_format():
+    result = detect_format(RAWDATA / "Checking1.csv")
+    assert result["has_headers"] is False
+    assert result["column_count"] == 5
+    assert result["row_count"] > 0
+
+
+def test_read_chase_csv():
+    rows = read_csv(RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV")
+    assert len(rows) > 100
+    first = rows[0]
+    assert "Transaction Date" in first
+    assert "Amount" in first
+    assert "Description" in first
+
+
+def test_read_headerless_csv():
+    rows = read_csv(RAWDATA / "Checking1.csv")
+    assert len(rows) > 50
+    first = rows[0]
+    # Headerless: keys should be column indices (integers)
+    assert 0 in first or "0" in first
+
+
+def test_preview_rows():
+    result = detect_format(RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV")
+    assert "preview" in result
+    assert len(result["preview"]) <= 5
diff --git a/tests/services/test_forecasting.py b/tests/services/test_forecasting.py
new file mode 100644
index 0000000..0ac881a
--- /dev/null
+++ b/tests/services/test_forecasting.py
@@ -0,0 +1,70 @@
+# tests/services/test_forecasting.py
+import datetime
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session
+
+from src.db import Base
+from src.models import *
+from src.seed import seed_categories
+from src.services.forecasting import ForecastingService
+
+
+def make_session():
+    engine = create_engine("sqlite:///:memory:")
+    Base.metadata.create_all(engine)
+    return Session(engine)
+
+
+def make_forecast_data(session):
+    seed_categories(session)
+    member = HouseholdMember(name="Andrew", relationship="self")
+    session.add(member)
+    session.flush()
+    account = Account(name="Chase", institution="Chase", account_type="credit", owner_id=member.id)
+    session.add(account)
+    session.flush()
+    groceries = session.query(Category).filter_by(name="Groceries").one()
+
+    # 3 months of grocery spending: $500, $600, $700 (trending up)
+    for month, total in [(10, 500), (11, 600), (12, 700)]:
+        session.add(Transaction(
+            date=datetime.date(2025, month, 15),
+            amount=-total,
+            description="GROCERIES",
+            account_id=account.id,
+            category_id=groceries.id,
+            tag="needs",
+        ))
+    session.commit()
+    return account
+
+
+def test_monthly_forecast():
+    session = make_session()
+    make_forecast_data(session)
+    svc = ForecastingService(session)
+    forecast = svc.forecast_month()
+    groceries = [f for f in forecast if f["category"] == "Groceries"]
+    assert len(groceries) == 1
+    assert groceries[0]["projected"] < 0
+
+
+def test_annual_forecast():
+    session = make_session()
+    make_forecast_data(session)
+    svc = ForecastingService(session)
+    forecast = svc.forecast_year()
+    assert len(forecast) > 0
+    total = sum(f["projected"] for f in forecast)
+    assert total < 0
+
+
+def test_what_if_removes_recurring():
+    session = make_session()
+    make_forecast_data(session)
+    svc = ForecastingService(session)
+    base = svc.forecast_month()
+    adjusted = svc.forecast_month(exclude_descriptions=["GROCERIES"])
+    base_total = sum(f["projected"] for f in base)
+    adj_total = sum(f["projected"] for f in adjusted)
+    assert adj_total > base_total  # Less spending when we exclude
diff --git a/tests/services/test_import_categorize.py b/tests/services/test_import_categorize.py
new file mode 100644
index 0000000..5d847fe
--- /dev/null
+++ b/tests/services/test_import_categorize.py
@@ -0,0 +1,71 @@
+# tests/services/test_import_categorize.py
+from pathlib import Path
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session
+
+from src.db import Base
+from src.models import *
+from src.seed import seed_categories
+from src.services.importer import ImportService
+
+RAWDATA = Path(__file__).parent.parent.parent / "rawdata"
+
+
+def make_session():
+    engine = create_engine("sqlite:///:memory:")
+    Base.metadata.create_all(engine)
+    return Session(engine)
+
+
+def test_import_applies_categorization_rules():
+    session = make_session()
+    seed_categories(session)
+    member = HouseholdMember(name="Andrew", relationship="self")
+    session.add(member)
+    session.flush()
+    account = Account(name="Chase", institution="Chase", account_type="credit", owner_id=member.id)
+    session.add(account)
+    session.flush()
+
+    groceries = session.query(Category).filter_by(name="Groceries").one()
+    rule = CategorizationRule(pattern="PUBLIX", category_id=groceries.id, priority=10)
+    session.add(rule)
+    session.commit()
+
+    svc = ImportService(session)
+    svc.import_csv(
+        RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV",
+        account_id=account.id,
+        column_map={"date": "Transaction Date", "amount": "Amount", "description": "Description"},
+        amount_logic="signed",
+    )
+
+    publix_txns = session.query(Transaction).filter(Transaction.description.contains("PUBLIX")).all()
+    assert len(publix_txns) > 0
+    for txn in publix_txns:
+        assert txn.category_id == groceries.id
+        assert txn.tag == "needs"
+
+
+def test_uncategorized_transactions_have_no_category():
+    session = make_session()
+    seed_categories(session)
+    member = HouseholdMember(name="Andrew", relationship="self")
+    session.add(member)
+    session.flush()
+    account = Account(name="Chase", institution="Chase", account_type="credit", owner_id=member.id)
+    session.add(account)
+    session.flush()
+
+    # No rules defined
+    svc = ImportService(session)
+    svc.import_csv(
+        RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV",
+        account_id=account.id,
+        column_map={"date": "Transaction Date", "amount": "Amount", "description": "Description"},
+        amount_logic="signed",
+    )
+
+    uncategorized = session.query(Transaction).filter(Transaction.category_id.is_(None)).count()
+    total = session.query(Transaction).count()
+    assert uncategorized == total
diff --git a/tests/services/test_normalizer.py b/tests/services/test_normalizer.py
new file mode 100644
index 0000000..6879e11
--- /dev/null
+++ b/tests/services/test_normalizer.py
@@ -0,0 +1,58 @@
+from src.services.normalizer import normalize_description
+
+
+def test_strip_authorization_prefix():
+    raw = "PURCHASE AUTHORIZED ON 02/06 WALMART.COM 8009256278 BENTONVILLE AR P000000089502338 CARD 5360"
+    result = normalize_description(raw)
+    assert "AUTHORIZED ON" not in result
+    assert "CARD 5360" not in result
+    assert "WALMART.COM" in result
+
+
+def test_strip_recurring_prefix():
+    raw = "RECURRING PAYMENT AUTHORIZED ON 02/05 HELLOFRESH 646-846-3663 NY S356036316425851 CARD 5360"
+    result = normalize_description(raw)
+    assert "AUTHORIZED ON" not in result
+    assert "HELLOFRESH" in result
+
+
+def test_strip_reference_ids():
+    raw = "RECURRING TRANSFER TO CONLON A WAY2SAVE SAVINGS REF #OP0WS99NKQ XXXXXX6065"
+    result = normalize_description(raw)
+    assert "REF #" not in result
+    assert "XXXXXX" not in result
+    assert "WAY2SAVE SAVINGS" in result
+
+
+def test_strip_card_number():
+    raw = "PURCHASE AUTHORIZED ON 01/08 MRS B COMPANY LLC PORT ROYAL SC S386008692282379 CARD 5360"
+    result = normalize_description(raw)
+    assert "CARD 5360" not in result
+    assert "MRS B COMPANY LLC" in result
+
+
+def test_strip_transaction_codes():
+    raw = "OASISBATCH PAYROLL 260109 MP027126352 DONNA CONLON"
+    result = normalize_description(raw)
+    assert "OASISBATCH PAYROLL" in result
+    assert "DONNA CONLON" in result
+
+
+def test_clean_chase_description():
+    """Chase descriptions are already clean, should pass through mostly unchanged."""
+    raw = "PUBLIX #1716"
+    result = normalize_description(raw)
+    assert result == "PUBLIX #1716"
+
+
+def test_check_number():
+    raw = "CHECK # 104"
+    result = normalize_description(raw)
+    assert "CHECK" in result
+
+
+def test_strip_html_entities():
+    raw = "TST*PONCHOS TACOS &amp; BEE"
+    result = normalize_description(raw)
+    assert "&amp;" not in result
+    assert "&" in result
diff --git a/tests/services/test_recurring.py b/tests/services/test_recurring.py
new file mode 100644
index 0000000..d3795dc
--- /dev/null
+++ b/tests/services/test_recurring.py
@@ -0,0 +1,85 @@
+# tests/services/test_recurring.py
+import datetime
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session
+
+from src.db import Base
+from src.models import *
+from src.services.recurring import RecurringDetector
+
+
+def make_session():
+    engine = create_engine("sqlite:///:memory:")
+    Base.metadata.create_all(engine)
+    return Session(engine)
+
+
+def make_recurring_data(session):
+    member = HouseholdMember(name="Andrew", relationship="self")
+    session.add(member)
+    session.flush()
+    account = Account(name="Checking", institution="WF", account_type="checking", owner_id=member.id)
+    session.add(account)
+    session.flush()
+
+    # Netflix monthly: ~$19.07 on 3rd/4th of month
+    for month in [1, 2]:
+        session.add(Transaction(
+            date=datetime.date(2026, month, 4),
+            amount=-19.07, description="Netflix.com", account_id=account.id,
+        ))
+
+    # HelloFresh weekly: ~$142.87
+    for day in [1, 8, 15, 22, 29]:
+        session.add(Transaction(
+            date=datetime.date(2026, 1, day),
+            amount=-142.87, description="HELLOFRESH", account_id=account.id,
+        ))
+
+    # Random one-off purchase
+    session.add(Transaction(
+        date=datetime.date(2026, 1, 10),
+        amount=-95.38, description="CARL'S GOLFLAND INC", account_id=account.id,
+    ))
+
+    session.commit()
+    return account
+
+
+def test_detect_monthly_recurring():
+    session = make_session()
+    make_recurring_data(session)
+    detector = RecurringDetector(session)
+    results = detector.detect()
+    netflix = [r for r in results if "Netflix" in r["description"]]
+    assert len(netflix) == 1
+    assert netflix[0]["frequency"] == "monthly"
+    assert abs(netflix[0]["typical_amount"] - 19.07) < 0.01
+
+
+def test_detect_weekly_recurring():
+    session = make_session()
+    make_recurring_data(session)
+    detector = RecurringDetector(session)
+    results = detector.detect()
+    hello = [r for r in results if "HELLOFRESH" in r["description"]]
+    assert len(hello) == 1
+    assert hello[0]["frequency"] == "weekly"
+
+
+def test_one_off_not_detected():
+    session = make_session()
+    make_recurring_data(session)
+    detector = RecurringDetector(session)
+    results = detector.detect()
+    golf = [r for r in results if "GOLFLAND" in r["description"]]
+    assert len(golf) == 0
+
+
+def test_annual_cost_calculation():
+    session = make_session()
+    make_recurring_data(session)
+    detector = RecurringDetector(session)
+    results = detector.detect()
+    netflix = [r for r in results if "Netflix" in r["description"]][0]
+    assert abs(netflix["annual_cost"] - 19.07 * 12) < 1.0
diff --git a/tests/test_integration.py b/tests/test_integration.py
new file mode 100644
index 0000000..1c47d4d
--- /dev/null
+++ b/tests/test_integration.py
@@ -0,0 +1,99 @@
+# tests/test_integration.py
+from pathlib import Path
+from sqlalchemy import create_engine
+from sqlalchemy.orm import Session
+
+from src.db import Base
+from src.models import *
+from src.seed import seed_categories, seed_household, seed_default_rules
+from src.services.importer import ImportService
+from src.services.analysis import AnalysisService
+from src.services.recurring import RecurringDetector
+
+RAWDATA = Path(__file__).parent.parent / "rawdata"
+
+
+def test_full_pipeline():
+    engine = create_engine("sqlite:///:memory:")
+    Base.metadata.create_all(engine)
+    session = Session(engine)
+
+    # Setup
+    seed_categories(session)
+    andrew = seed_household(session, "Andrew", "self")
+    donna = seed_household(session, "Donna", "wife")
+    seed_default_rules(session)
+
+    # Create accounts
+    chase = Account(name="Chase Freedom", institution="Chase", account_type="credit", owner_id=andrew.id)
+    checking = Account(name="WF Checking", institution="Wells Fargo", account_type="checking", owner_id=andrew.id, is_shared=True)
+    session.add_all([chase, checking])
+    session.flush()
+
+    svc = ImportService(session)
+
+    # Import Chase CSV
+    r1 = svc.import_csv(
+        RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV",
+        account_id=chase.id,
+        column_map={"date": "Transaction Date", "amount": "Amount", "description": "Description", "source_category": "Category"},
+        amount_logic="signed",
+    )
+    assert r1["imported"] > 100
+
+    # Import Checking CSV
+    r2 = svc.import_csv(
+        RAWDATA / "Checking1.csv",
+        account_id=checking.id,
+        column_map={"date": 0, "amount": 1, "description": 4},
+        amount_logic="signed",
+    )
+    assert r2["imported"] > 50
+
+    # Verify some transactions got auto-categorized
+    categorized = session.query(Transaction).filter(Transaction.category_id.isnot(None)).count()
+    total = session.query(Transaction).count()
+    assert categorized > 0, "Expected some transactions to be auto-categorized"
+    print(f"Categorized {categorized}/{total} transactions")
+
+    # Verify income attributed to correct people
+    income_cat = session.query(Category).filter_by(name="Income").first()
+    if income_cat:
+        andrew_income = session.query(Transaction).filter(
+            Transaction.category_id == income_cat.id,
+            Transaction.attributed_to_id == andrew.id,
+        ).count()
+        donna_income = session.query(Transaction).filter(
+            Transaction.category_id == income_cat.id,
+            Transaction.attributed_to_id == donna.id,
+        ).count()
+        print(f"Andrew income transactions: {andrew_income}")
+        print(f"Donna income transactions: {donna_income}")
+
+    # Analysis works
+    analysis = AnalysisService(session)
+    monthly = analysis.spending_by_period("month")
+    assert len(monthly) >= 1, "Expected at least one month of data"
+
+    by_cat = analysis.spending_by_category()
+    assert len(by_cat) >= 1, "Expected at least one category"
+
+    by_tag = analysis.spending_by_tag()
+    assert len(by_tag) >= 1, "Expected at least one tag"
+
+    # Recurring detection works
+    detector = RecurringDetector(session)
+    recurring = detector.detect()
+    # Print what was found for debugging
+    for r in recurring:
+        print(f"Recurring: {r['description']} - ${r['typical_amount']:.2f} {r['frequency']} (${r['annual_cost']:.2f}/yr)")
+
+    # Verify no duplicate imports
+    r3 = svc.import_csv(
+        RAWDATA / "Chase0372_Activity20260101_20260210_20260210.CSV",
+        account_id=chase.id,
+        column_map={"date": "Transaction Date", "amount": "Amount", "description": "Description"},
+        amount_logic="signed",
+    )
+    assert r3["imported"] == 0, "Re-import should detect all duplicates"
+    assert r3["duplicates"] == r1["imported"]