diff --git a/backend/src/modules/reports/reports.controller.ts b/backend/src/modules/reports/reports.controller.ts
index 6d49ff4..d427fe0 100644
--- a/backend/src/modules/reports/reports.controller.ts
+++ b/backend/src/modules/reports/reports.controller.ts
@@ -50,4 +50,14 @@ export class ReportsController {
   getDashboardKPIs() {
     return this.reportsService.getDashboardKPIs();
   }
+
+  @Get('cash-flow-forecast')
+  getCashFlowForecast(
+    @Query('startYear') startYear?: string,
+    @Query('months') months?: string,
+  ) {
+    const yr = parseInt(startYear || '') || new Date().getFullYear();
+    const mo = Math.min(parseInt(months || '') || 24, 48);
+    return this.reportsService.getCashFlowForecast(yr, mo);
+  }
 }
diff --git a/backend/src/modules/reports/reports.service.ts b/backend/src/modules/reports/reports.service.ts
index 45f7646..094f73c 100644
--- a/backend/src/modules/reports/reports.service.ts
+++ b/backend/src/modules/reports/reports.service.ts
@@ -493,4 +493,294 @@ export class ReportsService {
       recent_transactions: recentTx,
     };
   }
+
+  /**
+   * Cash Flow Forecast: monthly datapoints with actuals (historical) and projections (future).
+   * Each month has: operating_cash, operating_investments, reserve_cash, reserve_investments.
+   * Historical months use journal entry balances; future months project from budgets,
+   * assessment income schedules, capital project expenses, and investment maturities.
+   */
+  async getCashFlowForecast(startYear: number, months: number) {
+    const now = new Date();
+    const currentYear = now.getFullYear();
+    const currentMonth = now.getMonth() + 1; // 1-indexed
+    const monthNames = ['jan','feb','mar','apr','may','jun','jul','aug','sep','oct','nov','dec_amt'];
+    const monthLabels = ['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec'];
+
+    // ── 1) Get current balances as of now ──
+    // Operating cash (asset accounts with fund_type=operating)
+    const opCashRows = await this.tenant.query(`
+      SELECT COALESCE(SUM(sub.bal), 0) as total FROM (
+        SELECT COALESCE(SUM(jel.debit), 0) - COALESCE(SUM(jel.credit), 0) as bal
+        FROM accounts a
+        LEFT JOIN journal_entry_lines jel ON jel.account_id = a.id
+        LEFT JOIN journal_entries je ON je.id = jel.journal_entry_id AND je.is_posted = true AND je.is_void = false
+        WHERE a.account_type = 'asset' AND a.fund_type = 'operating' AND a.is_active = true
+        GROUP BY a.id
+      ) sub
+    `);
+    // Reserve cash (equity fund balance for reserve)
+    const resCashRows = await this.tenant.query(`
+      SELECT COALESCE(SUM(sub.bal), 0) as total FROM (
+        SELECT COALESCE(SUM(jel.credit), 0) - COALESCE(SUM(jel.debit), 0) as bal
+        FROM accounts a
+        LEFT JOIN journal_entry_lines jel ON jel.account_id = a.id
+        LEFT JOIN journal_entries je ON je.id = jel.journal_entry_id AND je.is_posted = true AND je.is_void = false
+        WHERE a.fund_type = 'reserve' AND a.account_type = 'equity' AND a.is_active = true
+        GROUP BY a.id
+      ) sub
+    `);
+    // Operating investments
+    const opInvRows = await this.tenant.query(`
+      SELECT COALESCE(SUM(current_value), 0) as total
+      FROM investment_accounts WHERE fund_type = 'operating' AND is_active = true
+    `);
+    // Reserve investments
+    const resInvRows = await this.tenant.query(`
+      SELECT COALESCE(SUM(current_value), 0) as total
+      FROM investment_accounts WHERE fund_type = 'reserve' AND is_active = true
+    `);
+
+    let opCash = parseFloat(opCashRows[0]?.total || '0');
+    let resCash = parseFloat(resCashRows[0]?.total || '0');
+    let opInv = parseFloat(opInvRows[0]?.total || '0');
+    let resInv = parseFloat(resInvRows[0]?.total || '0');
+
+    // ── 2) Get assessment income schedule ──
+    // Assessment groups define income frequency: monthly, quarterly (Jan/Apr/Jul/Oct), annual (Jan)
+    const assessmentGroups = await this.tenant.query(`
+      SELECT frequency, regular_assessment, special_assessment, unit_count
+      FROM assessment_groups WHERE is_active = true
+    `);
+
+    // Compute per-month income from assessments
+    const getAssessmentIncome = (month: number): { operating: number; reserve: number } => {
+      let operating = 0;
+      let reserve = 0;
+      for (const g of assessmentGroups) {
+        const units = parseInt(g.unit_count) || 0;
+        const regular = parseFloat(g.regular_assessment) || 0;
+        const special = parseFloat(g.special_assessment) || 0;
+        const freq = g.frequency || 'monthly';
+        let applies = false;
+        if (freq === 'monthly') applies = true;
+        else if (freq === 'quarterly') applies = [1,4,7,10].includes(month);
+        else if (freq === 'annual') applies = month === 1;
+        if (applies) {
+          operating += regular * units;
+          reserve += special * units;
+        }
+      }
+      return { operating, reserve };
+    };
+
+    // ── 3) Get budget expenses by month (for forecast months) ──
+    // We need budgets for startYear and startYear+1 to cover 24 months
+    const budgetsByYearMonth: Record<string, { opIncome: number; opExpense: number; resIncome: number; resExpense: number }> = {};
+
+    for (const yr of [startYear, startYear + 1, startYear + 2]) {
+      const budgetRows = await this.tenant.query(
+        `SELECT b.fund_type, a.account_type,
+          b.jan, b.feb, b.mar, b.apr, b.may, b.jun,
+          b.jul, b.aug, b.sep, b.oct, b.nov, b.dec_amt
+        FROM budgets b
+        JOIN accounts a ON a.id = b.account_id
+        WHERE b.fiscal_year = $1`, [yr],
+      );
+      for (let m = 0; m < 12; m++) {
+        const key = `${yr}-${m + 1}`;
+        if (!budgetsByYearMonth[key]) budgetsByYearMonth[key] = { opIncome: 0, opExpense: 0, resIncome: 0, resExpense: 0 };
+        for (const row of budgetRows) {
+          const amt = parseFloat(row[monthNames[m]]) || 0;
+          if (amt === 0) continue;
+          const isOp = row.fund_type === 'operating';
+          if (row.account_type === 'income') {
+            if (isOp) budgetsByYearMonth[key].opIncome += amt;
+            else budgetsByYearMonth[key].resIncome += amt;
+          } else if (row.account_type === 'expense') {
+            if (isOp) budgetsByYearMonth[key].opExpense += amt;
+            else budgetsByYearMonth[key].resExpense += amt;
+          }
+        }
+      }
+    }
+
+    // ── 4) Get historical monthly balances ──
+    // For months before current month, compute actual cash position at end of each month
+    const historicalCash = await this.tenant.query(`
+      SELECT
+        EXTRACT(YEAR FROM je.entry_date)::int as yr,
+        EXTRACT(MONTH FROM je.entry_date)::int as mo,
+        a.fund_type,
+        COALESCE(SUM(jel.debit), 0) - COALESCE(SUM(jel.credit), 0) as net_change
+      FROM journal_entry_lines jel
+      JOIN journal_entries je ON je.id = jel.journal_entry_id AND je.is_posted = true AND je.is_void = false
+      JOIN accounts a ON a.id = jel.account_id AND a.account_type = 'asset' AND a.is_active = true
+      WHERE je.entry_date >= $1::date
+      GROUP BY yr, mo, a.fund_type
+      ORDER BY yr, mo
+    `, [`${startYear}-01-01`]);
+
+    // ── 5) Get investment maturities (for forecast: when CDs mature, money returns to cash) ──
+    const maturities = await this.tenant.query(`
+      SELECT fund_type, current_value, maturity_date, interest_rate, purchase_date
+      FROM investment_accounts
+      WHERE is_active = true AND maturity_date IS NOT NULL AND maturity_date > CURRENT_DATE
+    `);
+
+    // ── 6) Get capital project planned expenses ──
+    const projectExpenses = await this.tenant.query(`
+      SELECT estimated_cost, target_year, target_month, fund_source
+      FROM projects
+      WHERE is_active = true AND status IN ('planned', 'in_progress')
+        AND target_year IS NOT NULL AND estimated_cost > 0
+    `);
+
+    // ── Build monthly datapoints ──
+    const datapoints: any[] = [];
+
+    // For historical months, compute cumulative balances from journal entries
+    // We'll track running balances
+    // First compute opening balance at start of startYear
+    const openingOp = await this.tenant.query(`
+      SELECT COALESCE(SUM(sub.bal), 0) as total FROM (
+        SELECT COALESCE(SUM(jel.debit), 0) - COALESCE(SUM(jel.credit), 0) as bal
+        FROM accounts a
+        LEFT JOIN journal_entry_lines jel ON jel.account_id = a.id
+        LEFT JOIN journal_entries je ON je.id = jel.journal_entry_id AND je.is_posted = true AND je.is_void = false
+          AND je.entry_date < $1::date
+        WHERE a.account_type = 'asset' AND a.fund_type = 'operating' AND a.is_active = true
+        GROUP BY a.id
+      ) sub
+    `, [`${startYear}-01-01`]);
+
+    const openingRes = await this.tenant.query(`
+      SELECT COALESCE(SUM(sub.bal), 0) as total FROM (
+        SELECT COALESCE(SUM(jel.credit), 0) - COALESCE(SUM(jel.debit), 0) as bal
+        FROM accounts a
+        LEFT JOIN journal_entry_lines jel ON jel.account_id = a.id
+        LEFT JOIN journal_entries je ON je.id = jel.journal_entry_id AND je.is_posted = true AND je.is_void = false
+          AND je.entry_date < $1::date
+        WHERE a.fund_type = 'reserve' AND a.account_type = 'equity' AND a.is_active = true
+        GROUP BY a.id
+      ) sub
+    `, [`${startYear}-01-01`]);
+
+    let runOpCash = parseFloat(openingOp[0]?.total || '0');
+    let runResCash = parseFloat(openingRes[0]?.total || '0');
+
+    // Index historical cash changes by year-month-fund
+    const histIndex: Record<string, number> = {};
+    for (const row of historicalCash) {
+      const key = `${row.yr}-${row.mo}-${row.fund_type}`;
+      histIndex[key] = parseFloat(row.net_change) || 0;
+    }
+
+    // Index maturities by year-month
+    const maturityIndex: Record<string, { operating: number; reserve: number }> = {};
+    for (const inv of maturities) {
+      const d = new Date(inv.maturity_date);
+      const key = `${d.getFullYear()}-${d.getMonth() + 1}`;
+      if (!maturityIndex[key]) maturityIndex[key] = { operating: 0, reserve: 0 };
+      // At maturity, investment value returns to cash
+      const val = parseFloat(inv.current_value) || 0;
+      // Estimate simple interest earned by maturity
+      const rate = parseFloat(inv.interest_rate) || 0;
+      const purchaseDate = inv.purchase_date ? new Date(inv.purchase_date) : new Date();
+      const matDate = new Date(inv.maturity_date);
+      const daysHeld = Math.max((matDate.getTime() - purchaseDate.getTime()) / 86400000, 1);
+      const interestEarned = val * (rate / 100) * (daysHeld / 365);
+      const maturityTotal = val + interestEarned;
+      if (inv.fund_type === 'operating') maturityIndex[key].operating += maturityTotal;
+      else maturityIndex[key].reserve += maturityTotal;
+    }
+
+    // Index project expenses by year-month
+    const projectIndex: Record<string, { operating: number; reserve: number }> = {};
+    for (const p of projectExpenses) {
+      const yr = parseInt(p.target_year);
+      const mo = parseInt(p.target_month) || 6; // default mid-year if no month
+      const key = `${yr}-${mo}`;
+      if (!projectIndex[key]) projectIndex[key] = { operating: 0, reserve: 0 };
+      const cost = parseFloat(p.estimated_cost) || 0;
+      if (p.fund_source === 'operating') projectIndex[key].operating += cost;
+      else projectIndex[key].reserve += cost;
+    }
+
+    // Investment opening balances at start of period (approximate: use current values)
+    let runOpInv = opInv;
+    let runResInv = resInv;
+
+    for (let i = 0; i < months; i++) {
+      const year = startYear + Math.floor(i / 12);
+      const month = (i % 12) + 1;
+      const key = `${year}-${month}`;
+      const isHistorical = year < currentYear || (year === currentYear && month <= currentMonth);
+      const label = `${monthLabels[month - 1]} ${year}`;
+
+      if (isHistorical) {
+        // Use actual journal entry changes
+        const opChange = histIndex[`${year}-${month}-operating`] || 0;
+        runOpCash += opChange;
+
+        // For reserve, we need the equity-based changes
+        const resEquityChange = await this.tenant.query(`
+          SELECT COALESCE(SUM(jel.credit - jel.debit), 0) as net
+          FROM journal_entry_lines jel
+          JOIN journal_entries je ON je.id = jel.journal_entry_id AND je.is_posted = true AND je.is_void = false
+          JOIN accounts a ON a.id = jel.account_id AND a.fund_type = 'reserve' AND a.account_type = 'equity'
+          WHERE EXTRACT(YEAR FROM je.entry_date) = $1 AND EXTRACT(MONTH FROM je.entry_date) = $2
+        `, [year, month]);
+        runResCash += parseFloat(resEquityChange[0]?.net || '0');
+
+        datapoints.push({
+          month: label,
+          year, monthNum: month,
+          is_forecast: false,
+          operating_cash: Math.round(runOpCash * 100) / 100,
+          operating_investments: Math.round(runOpInv * 100) / 100,
+          reserve_cash: Math.round(runResCash * 100) / 100,
+          reserve_investments: Math.round(runResInv * 100) / 100,
+        });
+      } else {
+        // Forecast: use budget + assessment data
+        const assessments = getAssessmentIncome(month);
+        const budget = budgetsByYearMonth[key] || { opIncome: 0, opExpense: 0, resIncome: 0, resExpense: 0 };
+        const maturity = maturityIndex[key] || { operating: 0, reserve: 0 };
+        const project = projectIndex[key] || { operating: 0, reserve: 0 };
+
+        // Use budget income if available, else assessment income
+        const opIncomeMonth = budget.opIncome > 0 ? budget.opIncome : assessments.operating;
+        const resIncomeMonth = budget.resIncome > 0 ? budget.resIncome : assessments.reserve;
+
+        // Net change: income - expenses - project costs + maturity returns
+        runOpCash += opIncomeMonth - budget.opExpense - project.operating + maturity.operating;
+        runResCash += resIncomeMonth - budget.resExpense - project.reserve + maturity.reserve;
+
+        // Subtract maturing investment values from investment balances
+        runOpInv -= maturity.operating > 0 ? (maturity.operating - (maturity.operating * 0.04 * 0.5)) : 0; // rough: subtract principal
+        runResInv -= maturity.reserve > 0 ? (maturity.reserve - (maturity.reserve * 0.04 * 0.5)) : 0;
+        // Floor at 0
+        if (runOpInv < 0) runOpInv = 0;
+        if (runResInv < 0) runResInv = 0;
+
+        datapoints.push({
+          month: label,
+          year, monthNum: month,
+          is_forecast: true,
+          operating_cash: Math.round(runOpCash * 100) / 100,
+          operating_investments: Math.round(runOpInv * 100) / 100,
+          reserve_cash: Math.round(runResCash * 100) / 100,
+          reserve_investments: Math.round(runResInv * 100) / 100,
+        });
+      }
+    }
+
+    return {
+      start_year: startYear,
+      months: months,
+      current_month: `${monthLabels[currentMonth - 1]} ${currentYear}`,
+      datapoints,
+    };
+  }
 }
diff --git a/frontend/src/App.tsx b/frontend/src/App.tsx
index 414cc7b..bb30982 100644
--- a/frontend/src/App.tsx
+++ b/frontend/src/App.tsx
@@ -25,6 +25,7 @@ import { YearEndPage } from './pages/reports/YearEndPage';
 import { SettingsPage } from './pages/settings/SettingsPage';
 import { AdminPage } from './pages/admin/AdminPage';
 import { AssessmentGroupsPage } from './pages/assessment-groups/AssessmentGroupsPage';
+import { CashFlowForecastPage } from './pages/cash-flow/CashFlowForecastPage';
 
 function ProtectedRoute({ children }: { children: React.ReactNode }) {
   const token = useAuthStore((s) => s.token);
@@ -114,6 +115,7 @@ export function App() {
         <Route path="investments" element={<InvestmentsPage />} />
         <Route path="capital-projects" element={<CapitalProjectsPage />} />
         <Route path="assessment-groups" element={<AssessmentGroupsPage />} />
+        <Route path="cash-flow" element={<CashFlowForecastPage />} />
         <Route path="reports/balance-sheet" element={<BalanceSheetPage />} />
         <Route path="reports/income-statement" element={<IncomeStatementPage />} />
         <Route path="reports/budget-vs-actual" element={<BudgetVsActualPage />} />
diff --git a/frontend/src/components/layout/Sidebar.tsx b/frontend/src/components/layout/Sidebar.tsx
index d62df7f..439c67d 100644
--- a/frontend/src/components/layout/Sidebar.tsx
+++ b/frontend/src/components/layout/Sidebar.tsx
@@ -15,6 +15,7 @@ import {
   IconSettings,
   IconCrown,
   IconCategory,
+  IconChartAreaLine,
 } from '@tabler/icons-react';
 import { useAuthStore } from '../../stores/authStore';
 
@@ -28,6 +29,7 @@ const navSections = [
     label: 'Financials',
     items: [
       { label: 'Accounts', icon: IconListDetails, path: '/accounts' },
+      { label: 'Cash Flow', icon: IconChartAreaLine, path: '/cash-flow' },
       { label: 'Budgets', icon: IconReportAnalytics, path: '/budgets/2026' },
     ],
   },
diff --git a/frontend/src/pages/cash-flow/CashFlowForecastPage.tsx b/frontend/src/pages/cash-flow/CashFlowForecastPage.tsx
new file mode 100644
index 0000000..fa70ebf
--- /dev/null
+++ b/frontend/src/pages/cash-flow/CashFlowForecastPage.tsx
@@ -0,0 +1,475 @@
+import { useState, useMemo } from 'react';
+import {
+  Title, Text, Stack, Card, Group, SimpleGrid, ThemeIcon,
+  SegmentedControl, Loader, Center, ActionIcon, Tooltip, Badge,
+} from '@mantine/core';
+import {
+  IconCash, IconBuildingBank, IconChartAreaLine,
+  IconArrowLeft, IconArrowRight, IconCalendar,
+} from '@tabler/icons-react';
+import { useQuery } from '@tanstack/react-query';
+import {
+  AreaChart, Area, XAxis, YAxis, CartesianGrid,
+  Tooltip as RechartsTooltip, ResponsiveContainer, Legend,
+  ReferenceLine,
+} from 'recharts';
+import api from '../../services/api';
+
+interface Datapoint {
+  month: string;
+  year: number;
+  monthNum: number;
+  is_forecast: boolean;
+  operating_cash: number;
+  operating_investments: number;
+  reserve_cash: number;
+  reserve_investments: number;
+}
+
+interface ForecastData {
+  start_year: number;
+  months: number;
+  current_month: string;
+  datapoints: Datapoint[];
+}
+
+const fmt = (v: number) =>
+  v.toLocaleString('en-US', { style: 'currency', currency: 'USD', maximumFractionDigits: 0 });
+
+const fmtAxis = (v: number) => {
+  if (Math.abs(v) >= 1000000) return `$${(v / 1000000).toFixed(1)}M`;
+  if (Math.abs(v) >= 1000) return `$${(v / 1000).toFixed(0)}K`;
+  return `$${v}`;
+};
+
+// Custom tooltip component
+function CustomTooltip({ active, payload, label }: any) {
+  if (!active || !payload?.length) return null;
+  const dp = payload[0]?.payload as Datapoint;
+  const isForecast = dp?.is_forecast;
+
+  return (
+    <Card shadow="md" p="sm" withBorder style={{ minWidth: 220 }}>
+      <Group gap="xs" mb={6}>
+        <Text fw={700} size="sm">{label}</Text>
+        {isForecast && (
+          <Badge size="xs" variant="light" color="orange">Forecast</Badge>
+        )}
+      </Group>
+      {payload.map((entry: any) => (
+        <Group key={entry.name} justify="space-between" gap="lg">
+          <Group gap={6}>
+            <div style={{ width: 10, height: 10, borderRadius: 2, backgroundColor: entry.color }} />
+            <Text size="xs">{entry.name}</Text>
+          </Group>
+          <Text size="xs" fw={600} ff="monospace">{fmt(entry.value)}</Text>
+        </Group>
+      ))}
+      <Group justify="space-between" mt={6} pt={6} style={{ borderTop: '1px solid var(--mantine-color-gray-3)' }}>
+        <Text size="xs" fw={700}>Total</Text>
+        <Text size="xs" fw={700} ff="monospace">
+          {fmt(payload.reduce((s: number, p: any) => s + p.value, 0))}
+        </Text>
+      </Group>
+    </Card>
+  );
+}
+
+export function CashFlowForecastPage() {
+  const now = new Date();
+  const currentYear = now.getFullYear();
+  const currentMonth = now.getMonth() + 1;
+
+  // Filter: All, Operating, Reserve
+  const [fundFilter, setFundFilter] = useState<string>('all');
+  // View window: which 12-month period to show
+  const [viewStartIndex, setViewStartIndex] = useState(0);
+
+  // Fetch 36 months of data starting from current fiscal year (Jan)
+  const { data, isLoading } = useQuery<ForecastData>({
+    queryKey: ['cash-flow-forecast', currentYear],
+    queryFn: async () => {
+      const { data } = await api.get(
+        `/reports/cash-flow-forecast?startYear=${currentYear}&months=36`,
+      );
+      return data;
+    },
+  });
+
+  const datapoints = data?.datapoints || [];
+
+  // Determine available view windows (12-month slices)
+  const maxStartIndex = Math.max(0, datapoints.length - 12);
+
+  // Compute the chart data based on the current view window
+  const viewData = useMemo(() => {
+    return datapoints.slice(viewStartIndex, viewStartIndex + 12);
+  }, [datapoints, viewStartIndex]);
+
+  // Compute summary stats for the current view
+  const summaryStats = useMemo(() => {
+    if (!viewData.length) return null;
+    const last = viewData[viewData.length - 1];
+    const first = viewData[0];
+
+    const totalOperating = last.operating_cash + last.operating_investments;
+    const totalReserve = last.reserve_cash + last.reserve_investments;
+    const totalAll = totalOperating + totalReserve;
+
+    const firstTotal = first.operating_cash + first.operating_investments +
+      first.reserve_cash + first.reserve_investments;
+    const netChange = totalAll - firstTotal;
+
+    return {
+      totalOperating,
+      totalReserve,
+      totalAll,
+      netChange,
+      periodStart: first.month,
+      periodEnd: last.month,
+    };
+  }, [viewData]);
+
+  // Determine the first forecast month index within the view
+  const forecastStartLabel = useMemo(() => {
+    const idx = viewData.findIndex((d) => d.is_forecast);
+    return idx >= 0 ? viewData[idx].month : null;
+  }, [viewData]);
+
+  // Transform data for chart based on filter
+  const chartData = useMemo(() => {
+    return viewData.map((d) => {
+      const base: any = { month: d.month, is_forecast: d.is_forecast };
+      if (fundFilter === 'all' || fundFilter === 'operating') {
+        base['Operating Cash'] = d.operating_cash;
+        base['Operating Investments'] = d.operating_investments;
+      }
+      if (fundFilter === 'all' || fundFilter === 'reserve') {
+        base['Reserve Cash'] = d.reserve_cash;
+        base['Reserve Investments'] = d.reserve_investments;
+      }
+      return base;
+    });
+  }, [viewData, fundFilter]);
+
+  // Determine view period label
+  const viewLabel = viewData.length > 0
+    ? `${viewData[0].month} - ${viewData[viewData.length - 1].month}`
+    : '';
+
+  if (isLoading) return <Center h={400}><Loader size="lg" /></Center>;
+
+  return (
+    <Stack>
+      <Group justify="space-between" align="flex-start">
+        <div>
+          <Title order={2}>Cash Flow</Title>
+          <Text c="dimmed" size="sm">
+            Cash and investment balances over time with forward projections
+          </Text>
+        </div>
+        <SegmentedControl
+          value={fundFilter}
+          onChange={setFundFilter}
+          data={[
+            { label: 'All Funds', value: 'all' },
+            { label: 'Operating', value: 'operating' },
+            { label: 'Reserve', value: 'reserve' },
+          ]}
+        />
+      </Group>
+
+      {/* Summary Cards */}
+      {summaryStats && (
+        <SimpleGrid cols={{ base: 1, sm: 2, lg: 4 }}>
+          <Card withBorder p="md">
+            <Group gap="xs" mb={4}>
+              <ThemeIcon variant="light" color="blue" size="sm">
+                <IconCash size={14} />
+              </ThemeIcon>
+              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Operating Total</Text>
+            </Group>
+            <Text fw={700} size="xl" ff="monospace">
+              {fmt(summaryStats.totalOperating)}
+            </Text>
+          </Card>
+          <Card withBorder p="md">
+            <Group gap="xs" mb={4}>
+              <ThemeIcon variant="light" color="violet" size="sm">
+                <IconBuildingBank size={14} />
+              </ThemeIcon>
+              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Reserve Total</Text>
+            </Group>
+            <Text fw={700} size="xl" ff="monospace">
+              {fmt(summaryStats.totalReserve)}
+            </Text>
+          </Card>
+          <Card withBorder p="md">
+            <Group gap="xs" mb={4}>
+              <ThemeIcon variant="light" color="teal" size="sm">
+                <IconChartAreaLine size={14} />
+              </ThemeIcon>
+              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Combined Total</Text>
+            </Group>
+            <Text fw={700} size="xl" ff="monospace">
+              {fmt(summaryStats.totalAll)}
+            </Text>
+          </Card>
+          <Card withBorder p="md">
+            <Group gap="xs" mb={4}>
+              <ThemeIcon
+                variant="light"
+                color={summaryStats.netChange >= 0 ? 'green' : 'red'}
+                size="sm"
+              >
+                <IconCash size={14} />
+              </ThemeIcon>
+              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Period Change</Text>
+            </Group>
+            <Text
+              fw={700}
+              size="xl"
+              ff="monospace"
+              c={summaryStats.netChange >= 0 ? 'green' : 'red'}
+            >
+              {fmt(summaryStats.netChange)}
+            </Text>
+          </Card>
+        </SimpleGrid>
+      )}
+
+      {/* Chart Navigation */}
+      <Card withBorder p="lg">
+        <Group justify="space-between" mb="md">
+          <Group gap="xs">
+            <Tooltip label="Previous 12 months">
+              <ActionIcon
+                variant="subtle"
+                disabled={viewStartIndex <= 0}
+                onClick={() => setViewStartIndex(Math.max(0, viewStartIndex - 12))}
+              >
+                <IconArrowLeft size={18} />
+              </ActionIcon>
+            </Tooltip>
+            <Group gap={6}>
+              <IconCalendar size={16} style={{ color: 'var(--mantine-color-dimmed)' }} />
+              <Text fw={600} size="sm">{viewLabel}</Text>
+            </Group>
+            <Tooltip label="Next 12 months">
+              <ActionIcon
+                variant="subtle"
+                disabled={viewStartIndex >= maxStartIndex}
+                onClick={() => setViewStartIndex(Math.min(maxStartIndex, viewStartIndex + 12))}
+              >
+                <IconArrowRight size={18} />
+              </ActionIcon>
+            </Tooltip>
+          </Group>
+          <Group gap="xs">
+            {forecastStartLabel && (
+              <Badge variant="light" color="orange" size="sm">
+                Forecast begins {forecastStartLabel}
+              </Badge>
+            )}
+            <Badge variant="light" color="blue" size="sm">
+              {viewData.filter((d) => !d.is_forecast).length} actual
+            </Badge>
+            <Badge variant="light" color="orange" size="sm">
+              {viewData.filter((d) => d.is_forecast).length} projected
+            </Badge>
+          </Group>
+        </Group>
+
+        {/* Stacked Area Chart */}
+        <ResponsiveContainer width="100%" height={420}>
+          <AreaChart data={chartData} margin={{ top: 10, right: 30, left: 10, bottom: 0 }}>
+            <defs>
+              <linearGradient id="opCash" x1="0" y1="0" x2="0" y2="1">
+                <stop offset="5%" stopColor="#339af0" stopOpacity={0.4} />
+                <stop offset="95%" stopColor="#339af0" stopOpacity={0.05} />
+              </linearGradient>
+              <linearGradient id="opInv" x1="0" y1="0" x2="0" y2="1">
+                <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.4} />
+                <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.05} />
+              </linearGradient>
+              <linearGradient id="resCash" x1="0" y1="0" x2="0" y2="1">
+                <stop offset="5%" stopColor="#7950f2" stopOpacity={0.4} />
+                <stop offset="95%" stopColor="#7950f2" stopOpacity={0.05} />
+              </linearGradient>
+              <linearGradient id="resInv" x1="0" y1="0" x2="0" y2="1">
+                <stop offset="5%" stopColor="#b197fc" stopOpacity={0.4} />
+                <stop offset="95%" stopColor="#b197fc" stopOpacity={0.05} />
+              </linearGradient>
+            </defs>
+            <CartesianGrid strokeDasharray="3 3" stroke="#e9ecef" />
+            <XAxis
+              dataKey="month"
+              tick={{ fontSize: 12 }}
+              tickLine={false}
+              axisLine={{ stroke: '#dee2e6' }}
+            />
+            <YAxis
+              tickFormatter={fmtAxis}
+              tick={{ fontSize: 12 }}
+              tickLine={false}
+              axisLine={{ stroke: '#dee2e6' }}
+              width={70}
+            />
+            <RechartsTooltip content={<CustomTooltip />} />
+            <Legend
+              verticalAlign="top"
+              height={36}
+              iconType="rect"
+              formatter={(value: string) => (
+                <span style={{ fontSize: 12, color: '#495057' }}>{value}</span>
+              )}
+            />
+
+            {/* Draw a reference line where forecast begins */}
+            {forecastStartLabel && (
+              <ReferenceLine
+                x={forecastStartLabel}
+                stroke="#fd7e14"
+                strokeDasharray="5 5"
+                strokeWidth={2}
+                label={{ value: 'Forecast', position: 'top', fill: '#fd7e14', fontSize: 11 }}
+              />
+            )}
+
+            {(fundFilter === 'all' || fundFilter === 'operating') && (
+              <>
+                <Area
+                  type="monotone"
+                  dataKey="Operating Cash"
+                  stackId="1"
+                  stroke="#339af0"
+                  fill="url(#opCash)"
+                  strokeWidth={2}
+                />
+                <Area
+                  type="monotone"
+                  dataKey="Operating Investments"
+                  stackId="1"
+                  stroke="#74c0fc"
+                  fill="url(#opInv)"
+                  strokeWidth={2}
+                />
+              </>
+            )}
+            {(fundFilter === 'all' || fundFilter === 'reserve') && (
+              <>
+                <Area
+                  type="monotone"
+                  dataKey="Reserve Cash"
+                  stackId="1"
+                  stroke="#7950f2"
+                  fill="url(#resCash)"
+                  strokeWidth={2}
+                />
+                <Area
+                  type="monotone"
+                  dataKey="Reserve Investments"
+                  stackId="1"
+                  stroke="#b197fc"
+                  fill="url(#resInv)"
+                  strokeWidth={2}
+                />
+              </>
+            )}
+          </AreaChart>
+        </ResponsiveContainer>
+      </Card>
+
+      {/* Data Table */}
+      <Card withBorder p="lg">
+        <Title order={4} mb="md">Monthly Detail</Title>
+        <div style={{ overflowX: 'auto' }}>
+          <table style={{ width: '100%', borderCollapse: 'collapse', fontSize: 13 }}>
+            <thead>
+              <tr style={{ borderBottom: '2px solid var(--mantine-color-gray-3)' }}>
+                <th style={{ textAlign: 'left', padding: '8px 12px' }}>Month</th>
+                <th style={{ textAlign: 'center', padding: '8px 12px', width: 70 }}>Type</th>
+                {(fundFilter === 'all' || fundFilter === 'operating') && (
+                  <>
+                    <th style={{ textAlign: 'right', padding: '8px 12px' }}>Op. Cash</th>
+                    <th style={{ textAlign: 'right', padding: '8px 12px' }}>Op. Investments</th>
+                    <th style={{ textAlign: 'right', padding: '8px 12px' }}>Op. Total</th>
+                  </>
+                )}
+                {(fundFilter === 'all' || fundFilter === 'reserve') && (
+                  <>
+                    <th style={{ textAlign: 'right', padding: '8px 12px' }}>Res. Cash</th>
+                    <th style={{ textAlign: 'right', padding: '8px 12px' }}>Res. Investments</th>
+                    <th style={{ textAlign: 'right', padding: '8px 12px' }}>Res. Total</th>
+                  </>
+                )}
+                <th style={{ textAlign: 'right', padding: '8px 12px', fontWeight: 700 }}>Grand Total</th>
+              </tr>
+            </thead>
+            <tbody>
+              {viewData.map((d, i) => {
+                const opTotal = d.operating_cash + d.operating_investments;
+                const resTotal = d.reserve_cash + d.reserve_investments;
+                const grandTotal =
+                  (fundFilter === 'all' ? opTotal + resTotal :
+                    fundFilter === 'operating' ? opTotal : resTotal);
+
+                return (
+                  <tr
+                    key={d.month}
+                    style={{
+                      borderBottom: '1px solid var(--mantine-color-gray-2)',
+                      backgroundColor: d.is_forecast
+                        ? 'var(--mantine-color-orange-0)'
+                        : i % 2 === 0 ? 'transparent' : 'var(--mantine-color-gray-0)',
+                    }}
+                  >
+                    <td style={{ padding: '6px 12px', fontWeight: 500 }}>{d.month}</td>
+                    <td style={{ textAlign: 'center', padding: '6px 12px' }}>
+                      <Badge
+                        size="xs"
+                        variant="light"
+                        color={d.is_forecast ? 'orange' : 'blue'}
+                      >
+                        {d.is_forecast ? 'Forecast' : 'Actual'}
+                      </Badge>
+                    </td>
+                    {(fundFilter === 'all' || fundFilter === 'operating') && (
+                      <>
+                        <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace' }}>
+                          {fmt(d.operating_cash)}
+                        </td>
+                        <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace' }}>
+                          {fmt(d.operating_investments)}
+                        </td>
+                        <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace', fontWeight: 600 }}>
+                          {fmt(opTotal)}
+                        </td>
+                      </>
+                    )}
+                    {(fundFilter === 'all' || fundFilter === 'reserve') && (
+                      <>
+                        <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace' }}>
+                          {fmt(d.reserve_cash)}
+                        </td>
+                        <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace' }}>
+                          {fmt(d.reserve_investments)}
+                        </td>
+                        <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace', fontWeight: 600 }}>
+                          {fmt(resTotal)}
+                        </td>
+                      </>
+                    )}
+                    <td style={{ textAlign: 'right', padding: '6px 12px', fontFamily: 'monospace', fontWeight: 700 }}>
+                      {fmt(grandTotal)}
+                    </td>
+                  </tr>
+                );
+              })}
+            </tbody>
+          </table>
+        </div>
+      </Card>
+    </Stack>
+  );
+}