diff --git a/app/components/DS/menu.html.erb b/app/components/DS/menu.html.erb
index 07828a01c..d4297b901 100644
--- a/app/components/DS/menu.html.erb
+++ b/app/components/DS/menu.html.erb
@@ -7,7 +7,7 @@
 
   <div id="<%= menu_id %>" data-DS--menu-target="content" class="px-2 lg:px-0 max-w-full hidden z-50" role="menu">
     <%= tag.div class: "mx-auto min-w-[200px] shadow-border-lg bg-container rounded-lg", style: ("max-width: #{max_width}" if max_width) do %>
-      <%= tag.div class: class_names("py-1" => !no_padding) do %>
+      <%= tag.div class: class_names("py-1" => !no_padding, "overflow-y-auto" => max_height), style: ("max-height: #{max_height}" if max_height) do %>
         <% items.each do |item| %>
           <%= item %>
         <% end %>
diff --git a/app/components/DS/menu.rb b/app/components/DS/menu.rb
index 778d48702..0c63ae3eb 100644
--- a/app/components/DS/menu.rb
+++ b/app/components/DS/menu.rb
@@ -10,7 +10,7 @@
 # content? Use `DS::Popover` — `role="menu"` restricts AT users to
 # menuitem-only navigation and breaks anything that isn't an action.
 class DS::Menu < DesignSystemComponent
-  attr_reader :variant, :placement, :offset, :icon_vertical, :no_padding, :testid, :mobile_fullwidth, :max_width, :menu_id
+  attr_reader :variant, :placement, :offset, :icon_vertical, :no_padding, :testid, :mobile_fullwidth, :max_width, :max_height, :menu_id
 
   renders_one :button, ->(**button_options, &block) do
     options_with_target = button_options.deep_dup
@@ -33,7 +33,7 @@ class DS::Menu < DesignSystemComponent
 
   VARIANTS = %i[icon icon_sm button].freeze
 
-  def initialize(variant: "icon", placement: "bottom-end", offset: 12, icon_vertical: false, no_padding: false, testid: nil, mobile_fullwidth: true, max_width: nil)
+  def initialize(variant: "icon", placement: "bottom-end", offset: 12, icon_vertical: false, no_padding: false, testid: nil, mobile_fullwidth: true, max_width: nil, max_height: nil)
     @variant = variant.to_sym
     @placement = placement
     @offset = offset
@@ -42,6 +42,7 @@ class DS::Menu < DesignSystemComponent
     @testid = testid
     @mobile_fullwidth = mobile_fullwidth
     @max_width = max_width
+    @max_height = max_height
     @menu_id = "menu-#{SecureRandom.hex(4)}"
 
     raise ArgumentError, "Invalid variant: #{@variant}. DS::Menu is for action lists only; use DS::Popover for mixed content (forms, pickers, account dropdowns)." unless VARIANTS.include?(@variant)
diff --git a/app/controllers/pages_controller.rb b/app/controllers/pages_controller.rb
index e157dbba8..da4256065 100644
--- a/app/controllers/pages_controller.rb
+++ b/app/controllers/pages_controller.rb
@@ -14,12 +14,17 @@ class PagesController < ApplicationController
     # to fit beside it, and none is). Users who pair it manually can go half.
     "insights_feed"      => { col_span: "full",   grow: false, min_height: 0, width_toggle: true },
     "cashflow_sankey"    => { col_span: "full",   grow: false, min_height: 384, width_toggle: true },
+    "money_flow"         => { col_span: "single", grow: false, min_height: 0,   width_toggle: true },
     "outflows_donut"     => { col_span: "single", grow: false, min_height: 0 },
     "investment_summary" => { col_span: "single", grow: false, min_height: 0, width_toggle: true },
     "net_worth_chart"    => { col_span: "single", grow: true,  min_height: 208, width_toggle: true },
     "balance_sheet"      => { col_span: "single", grow: false, min_height: 0, width_toggle: true }
   }.freeze
 
+  # Number of consecutive months (ending at the selected month) shown as
+  # bars in the "money_flow" dashboard widget.
+  MONEY_FLOW_CHART_MONTHS = 6
+
   # Selectable height presets (px) for grow widgets.
   DASHBOARD_HEIGHT_PRESETS = { "compact" => 208, "auto" => 288, "tall" => 416 }.freeze
   DEFAULT_HEIGHT_PRESET = "auto"
@@ -48,6 +53,11 @@ class PagesController < ApplicationController
     @outflows_data = build_outflows_donut_data(net_totals)
     @feed_insights = Current.family.insights.visible.ordered.limit(3)
 
+    @money_flow_accounts = income_statement.eligible_accounts
+    @money_flow_month = money_flow_month_param
+    @money_flow_account_ids = money_flow_account_ids_param
+    @money_flow_data = build_money_flow_data(income_statement, @money_flow_month, @money_flow_account_ids)
+
     @dashboard_sections = build_dashboard_sections
 
     @breadcrumbs = [ [ t("breadcrumbs.home"), root_path ], [ t("breadcrumbs.dashboard"), nil ] ]
@@ -128,6 +138,15 @@ class PagesController < ApplicationController
           visible: @accounts.any?,
           collapsible: true
         },
+        {
+          key: "money_flow",
+          title: "pages.dashboard.money_flow.title",
+          partial: "pages/dashboard/money_flow",
+          layout: section_layout("money_flow"),
+          locals: { money_flow_data: @money_flow_data, accounts: @money_flow_accounts, col_span: section_layout("money_flow")[:col_span] },
+          visible: @accounts.any?,
+          collapsible: true
+        },
         {
           key: "outflows_donut",
           title: "pages.dashboard.outflows_donut.title",
@@ -400,6 +419,64 @@ class PagesController < ApplicationController
       { categories: categories, total: total.to_f.round(2), currency: net_totals.currency, currency_symbol: currency_symbol }
     end
 
+    def money_flow_month_param
+      current_month = Date.current.beginning_of_month
+      month = Date.strptime(params[:money_flow_month], "%Y-%m-%d").beginning_of_month
+      # Clamp future months: build_money_flow_data caps each bar's end_date at
+      # Date.current, which would otherwise be earlier than a future month's
+      # start_date and blow up Period.custom's date-range validation.
+      month > current_month ? current_month : month
+    rescue ArgumentError, TypeError
+      current_month
+    end
+
+    # nil means "all accessible accounts" (the widget's default, unfiltered state)
+    def money_flow_account_ids_param
+      ids = Array(params[:money_flow_account_ids]).reject(&:blank?)
+      eligible_ids = @money_flow_accounts.map { |a| a.id.to_s }
+      ids &= eligible_ids
+      ids.presence
+    end
+
+    def build_money_flow_data(income_statement, selected_month, account_ids)
+      months = (MONEY_FLOW_CHART_MONTHS - 1).downto(0).map { |i| selected_month - i.months }
+
+      selected_period = nil
+      selected_totals = nil
+
+      bars = months.map do |month_start|
+        # Cap at today so an in-progress month (most commonly the current one)
+        # doesn't report totals for its not-yet-arrived days.
+        end_date = [ month_start.end_of_month, Date.current ].min
+        period = Period.custom(start_date: month_start, end_date: end_date)
+        totals = income_statement.totals_for(period, account_ids: account_ids)
+
+        if month_start == selected_month
+          selected_period = period
+          selected_totals = totals
+        end
+
+        {
+          date: month_start,
+          label: I18n.l(month_start, format: :short_month_year),
+          income: totals.income_money.amount.to_f.round(2),
+          expense: totals.expense_money.amount.to_f.round(2),
+          highlighted: month_start == selected_month,
+          partial: end_date < month_start.end_of_month
+        }
+      end
+
+      {
+        bars: bars,
+        period: selected_period,
+        month: selected_month,
+        income: selected_totals.income_money,
+        expense: selected_totals.expense_money,
+        balance: selected_totals.income_money - selected_totals.expense_money,
+        account_ids: account_ids
+      }
+    end
+
     def ensure_intro_guest!
       return if Current.user&.guest?
 
diff --git a/app/javascript/controllers/bar_chart_controller.js b/app/javascript/controllers/bar_chart_controller.js
new file mode 100644
index 000000000..673030ad5
--- /dev/null
+++ b/app/javascript/controllers/bar_chart_controller.js
@@ -0,0 +1,159 @@
+import { Controller } from "@hotwired/stimulus";
+import * as d3 from "d3";
+import { CHART_TOOLTIP_CLASSES } from "utils/chart_tooltip";
+
+// Grouped bar chart used by the dashboard "money flow" widget — each month
+// shows an expense bar (red) and an income bar (green) side by side.
+// Modeled after time_series_chart_controller's lifecycle (install/teardown,
+// ResizeObserver, turbo:load reinstall, page-relative tooltip positioning)
+// but with scaleBand/scaleLinear instead of a line.
+export default class extends Controller {
+  static values = {
+    data: Array,
+    currency: { type: String, default: "USD" },
+    incomeLabel: { type: String, default: "Income" },
+    expenseLabel: { type: String, default: "Expenses" },
+  };
+
+  _resizeObserver = null;
+
+  connect() {
+    this._install();
+    document.addEventListener("turbo:load", this._reinstall);
+    this._resizeObserver = new ResizeObserver(() => this._reinstall());
+    this._resizeObserver.observe(this.element);
+  }
+
+  disconnect() {
+    this._teardown();
+    document.removeEventListener("turbo:load", this._reinstall);
+    this._resizeObserver?.disconnect();
+  }
+
+  _reinstall = () => {
+    this._teardown();
+    this._install();
+  };
+
+  _teardown() {
+    d3.select(this.element).selectAll("*").remove();
+  }
+
+  _install() {
+    const width = this.element.clientWidth;
+    const height = this.element.clientHeight;
+    const data = this.dataValue || [];
+
+    if (width < 50 || height < 50 || data.length === 0) return;
+
+    const margin = { top: 16, right: 4, bottom: 24, left: 4 };
+    const innerWidth = width - margin.left - margin.right;
+    const innerHeight = height - margin.top - margin.bottom;
+
+    const svg = d3
+      .select(this.element)
+      .append("svg")
+      .attr("width", width)
+      .attr("height", height)
+      .attr("viewBox", [0, 0, width, height]);
+
+    const group = svg
+      .append("g")
+      .attr("transform", `translate(${margin.left},${margin.top})`);
+
+    const series = ["income", "expense"];
+    const seriesColor = { expense: "var(--color-gray-400)", income: "var(--color-success)" };
+
+    const x0 = d3
+      .scaleBand()
+      .domain(data.map((d) => d.label))
+      .range([0, innerWidth])
+      .padding(0.3);
+
+    const x1 = d3.scaleBand().domain(series).range([0, x0.bandwidth()]).padding(0.15);
+
+    const maxValue = d3.max(data, (d) => Math.max(d.income, d.expense)) || 1;
+    const y = d3.scaleLinear().domain([0, maxValue * 1.1]).range([innerHeight, 0]);
+    // Floor tiny-but-nonzero bars (e.g. an in-progress month) at 2px so they stay visible.
+    const barHeight = (v) => (v > 0 ? Math.max(2, innerHeight - y(v)) : 0);
+
+    const tooltip = d3
+      .select(this.element)
+      .append("div")
+      .attr("class", `${CHART_TOOLTIP_CLASSES} opacity-0 top-0`);
+
+    const showTooltip = (event, month, key) => {
+      const estimatedTooltipWidth = 200;
+      const pageWidth = document.body.clientWidth;
+      const tooltipX = event.pageX + 10;
+      const overflowX = tooltipX + estimatedTooltipWidth - pageWidth;
+      const adjustedX = overflowX > 0 ? event.pageX - overflowX - 20 : tooltipX;
+
+      tooltip
+        .html(this._tooltipTemplate(month, key))
+        .style("opacity", 1)
+        .style("left", `${adjustedX}px`)
+        .style("top", `${event.pageY - 10}px`);
+    };
+
+    const hideTooltip = () => tooltip.style("opacity", 0);
+
+    const monthGroups = group
+      .selectAll("g.month")
+      .data(data)
+      .join("g")
+      .attr("class", "month")
+      .attr("transform", (d) => `translate(${x0(d.label)},0)`);
+
+    monthGroups
+      .selectAll("rect")
+      .data((d) => series.map((key) => ({ key, value: d[key], month: d })))
+      .join("rect")
+      .attr("x", (d) => x1(d.key))
+      .attr("y", (d) => innerHeight - barHeight(d.value))
+      .attr("width", x1.bandwidth())
+      .attr("height", (d) => barHeight(d.value))
+      .attr("rx", 3)
+      .attr("fill", (d) => seriesColor[d.key])
+      // In-progress month (period capped at today) reads as provisional.
+      .attr("fill-opacity", (d) => (d.month.partial ? 0.5 : 1))
+      .on("mousemove", (event, d) => showTooltip(event, d.month, d.key))
+      .on("mouseleave", hideTooltip);
+
+    group
+      .append("g")
+      .attr("transform", `translate(0,${innerHeight})`)
+      .call(d3.axisBottom(x0).tickSize(0))
+      .call((g) => g.select(".domain").remove())
+      .selectAll("text")
+      .attr("class", (_d, i) => (data[i].highlighted ? "text-primary fill-current" : "text-secondary fill-current"))
+      .style("font-size", "12px")
+      .style("font-weight", (_d, i) => (data[i].highlighted ? 600 : 500));
+  }
+
+  _tooltipTemplate(month, key) {
+    const label = key === "income" ? this.incomeLabelValue : this.expenseLabelValue;
+    // Match the bar/legend palette — expenses render gray, not destructive red.
+    const color = key === "income" ? "var(--color-success)" : "var(--color-gray-400)";
+
+    return `
+      <div class="text-xs text-secondary mb-1">${month.label}</div>
+      <div class="flex items-center gap-1.5 text-primary font-medium tabular-nums">
+        <span class="inline-block w-2 h-2 rounded-full" style="background-color: ${color};"></span>
+        ${label}: ${this._formatCurrency(month[key])}
+      </div>
+    `;
+  }
+
+  _formatCurrency(value) {
+    try {
+      return new Intl.NumberFormat(undefined, {
+        style: "currency",
+        currency: this.currencyValue,
+        maximumFractionDigits: 0,
+      }).format(value);
+    } catch {
+      return value;
+    }
+  }
+}
diff --git a/app/models/income_statement.rb b/app/models/income_statement.rb
index 1101df93e..e81bbf8b0 100644
--- a/app/models/income_statement.rb
+++ b/app/models/income_statement.rb
@@ -107,6 +107,34 @@ class IncomeStatement
     )
   end
 
+  # Income/expense totals for an arbitrary period, optionally scoped to a
+  # subset of accounts (e.g. a dashboard widget's account filter). Unlike
+  # `income_totals`/`expense_totals`, this isn't memoized per-period since
+  # callers (e.g. a monthly bar chart) typically query several distinct
+  # periods and account combinations in one request.
+  def totals_for(period, account_ids: nil)
+    scope = family.transactions.visible.excluding_pending.in_period(period)
+    scope = scope.where(entries: { account_id: account_ids }) if account_ids.present?
+
+    totals(transactions_scope: scope, date_range: period.date_range)
+  end
+
+  # Accounts actually reflected in totals/totals_for: visible, not excluded
+  # from reports, not tax-advantaged, and (when scoped to a user) included in
+  # that user's finances. Callers offering an account filter (e.g. a
+  # dashboard widget) should build their options from this, not a broader
+  # "accessible accounts" list, or selecting an ineligible account silently
+  # computes to zero instead of the totals it actually appears in elsewhere.
+  def eligible_accounts
+    @eligible_accounts ||= begin
+      scope = family.accounts.visible.included_in_reports
+      tax_advantaged_ids = family.tax_advantaged_account_ids
+      scope = scope.where.not(id: tax_advantaged_ids) if tax_advantaged_ids.present?
+      scope = scope.merge(Account.included_in_finances_for(user)) if user
+      scope
+    end
+  end
+
   def median_expense(interval: "month", category: nil)
     if category.present?
       category_stats(interval: interval).find { |stat| stat.classification == "expense" && stat.category_id == category.id }&.median || 0
diff --git a/app/views/pages/dashboard/_money_flow.html.erb b/app/views/pages/dashboard/_money_flow.html.erb
new file mode 100644
index 000000000..297df3225
--- /dev/null
+++ b/app/views/pages/dashboard/_money_flow.html.erb
@@ -0,0 +1,137 @@
+<%# locals: (money_flow_data:, accounts:, col_span: "single") %>
+<%
+  pill_button_class = "inline-flex items-center gap-1.5 bg-container border border-secondary font-medium rounded-lg pl-3 pr-2 py-2 text-sm cursor-pointer text-primary hover:bg-container-inset-hover focus:outline-hidden focus:ring-0 whitespace-nowrap"
+  selected_account_ids = money_flow_data[:account_ids] || accounts.map { |a| a.id.to_s }
+  all_accounts_selected = selected_account_ids.size == accounts.size
+  period = money_flow_data[:period]
+  # At full width the chart and summary sit side by side; at single/half width
+  # they stack so the chart gets the full column and the month labels don't crowd.
+  stacked = col_span != "full"
+%>
+<div id="money-flow-section" class="px-4 space-y-4">
+  <div class="flex flex-col lg:flex-row lg:items-start lg:justify-between gap-3">
+    <p class="text-sm text-secondary">
+      <%= t(".date_range", start_date: l(period.date_range.begin, format: :long), end_date: l(period.date_range.end, format: :long)) %>
+    </p>
+
+    <div class="flex items-center gap-2">
+      <%= render DS::Tooltip.new(text: t(".period_scope_hint"), placement: "top-start") %>
+
+      <%= render DS::Menu.new(variant: :button, placement: "bottom-end", max_height: "18rem") do |menu| %>
+        <% menu.with_button(type: "button", class: pill_button_class, aria: { label: t(".month_picker_aria_label") }) do %>
+          <span class="capitalize"><%= I18n.l(money_flow_data[:month], format: :month_year) %></span>
+          <%= icon("chevron-down", size: "sm") %>
+        <% end %>
+
+        <% (0..11).each do |i| %>
+          <% month = Date.current.beginning_of_month - i.months %>
+          <% menu.with_item(
+               variant: :link,
+               text: I18n.l(month, format: :month_year).capitalize,
+               href: root_path({ money_flow_month: month.iso8601, money_flow_account_ids: money_flow_data[:account_ids] }.compact),
+               frame: "dashboard_sections",
+               selected: month == money_flow_data[:month]
+             ) %>
+        <% end %>
+      <% end %>
+
+      <%= render DS::Popover.new(variant: :button, no_padding: true) do |popover| %>
+        <% popover.with_button(
+             type: "button",
+             text: all_accounts_selected ? t(".filter_accounts_all") : t(".filter_accounts", count: selected_account_ids.size),
+             variant: "outline",
+             icon: "list-filter"
+           ) %>
+
+        <% popover.with_custom_content do %>
+          <%= form_with url: root_path, method: :get, data: { turbo_frame: "dashboard_sections" }, class: "p-3 w-56 space-y-2" do %>
+            <%= hidden_field_tag :money_flow_month, money_flow_data[:month].iso8601 %>
+
+            <div data-controller="list-filter">
+              <%= render DS::SearchInput.new(
+                    variant: :embedded,
+                    placeholder: t(".search_accounts"),
+                    aria_label: t(".search_accounts"),
+                    data: { list_filter_target: "input", action: "input->list-filter#filter" }
+                  ) %>
+
+              <div class="my-2 max-h-64 overflow-y-auto space-y-1" data-list-filter-target="list">
+                <% accounts.each do |account| %>
+                  <label class="filterable-item flex items-center gap-2 p-1.5 rounded-md hover:bg-container-inset-hover cursor-pointer" data-filter-name="<%= account.name %>">
+                    <%= check_box_tag "money_flow_account_ids[]", account.id, selected_account_ids.include?(account.id.to_s), id: nil, class: "checkbox checkbox--light" %>
+                    <span class="text-sm text-primary truncate"><%= account.name %></span>
+                  </label>
+                <% end %>
+              </div>
+            </div>
+
+            <%= render DS::Button.new(type: "submit", text: t(".apply"), variant: "primary", full_width: true) %>
+          <% end %>
+        <% end %>
+      <% end %>
+    </div>
+  </div>
+
+  <div class="flex flex-col gap-6<%= " xl:flex-row" unless stacked %>">
+    <div class="w-full space-y-2<%= " xl:w-3/5" unless stacked %>">
+      <div class="flex items-center justify-between gap-4 px-1">
+        <div class="flex items-center gap-4">
+          <span class="flex items-center gap-1.5 text-xs text-secondary">
+            <span class="w-2 h-2 rounded-full bg-success"></span>
+            <%= t(".income") %>
+          </span>
+          <span class="flex items-center gap-1.5 text-xs text-secondary">
+            <span class="w-2 h-2 rounded-full bg-gray-400"></span>
+            <%= t(".expenses") %>
+          </span>
+        </div>
+        <span class="text-xs text-secondary"><%= t(".chart_span", count: money_flow_data[:bars].size) %></span>
+      </div>
+
+      <div class="w-full h-44 privacy-sensitive"
+        data-controller="bar-chart"
+        data-bar-chart-data-value="<%= money_flow_data[:bars].to_json %>"
+        data-bar-chart-currency-value="<%= Current.family.currency %>"
+        data-bar-chart-income-label-value="<%= t(".income") %>"
+        data-bar-chart-expense-label-value="<%= t(".expenses") %>">
+      </div>
+    </div>
+
+    <div class="w-full space-y-4<%= " xl:w-2/5" unless stacked %>">
+      <p class="text-sm font-medium text-primary capitalize"><%= I18n.l(money_flow_data[:month], format: :month_year) %></p>
+
+      <div class="flex items-center justify-between text-sm">
+        <span class="text-secondary"><%= t(".balance") %></span>
+        <span class="font-medium text-lg tabular-nums privacy-sensitive <%= money_flow_data[:balance].negative? ? "text-destructive" : (money_flow_data[:balance].zero? ? "text-primary" : "text-success") %>">
+          <%= format_money money_flow_data[:balance] %>
+        </span>
+      </div>
+
+      <%= link_to transactions_path(q: { types: [ "income" ], status: [ "confirmed" ], start_date: period.date_range.begin, end_date: period.date_range.end, account_ids: selected_account_ids }.compact),
+            class: "flex items-center justify-between p-3 border border-secondary rounded-lg hover:bg-container-inset-hover transition-colors group",
+            data: { turbo_frame: "_top" } do %>
+        <span class="flex items-center gap-2 text-sm text-primary">
+          <span class="w-2.5 h-2.5 rounded-full bg-success"></span>
+          <%= t(".income") %>
+        </span>
+        <span class="flex items-center gap-2">
+          <span class="font-medium tabular-nums text-success privacy-sensitive"><%= format_money money_flow_data[:income] %></span>
+          <%= icon("chevron-right", size: "sm", class: "text-secondary group-hover:text-primary transition-colors") %>
+        </span>
+      <% end %>
+
+      <%= link_to transactions_path(q: { types: [ "expense" ], status: [ "confirmed" ], start_date: period.date_range.begin, end_date: period.date_range.end, account_ids: selected_account_ids }.compact),
+            class: "flex items-center justify-between p-3 border border-secondary rounded-lg hover:bg-container-inset-hover transition-colors group",
+            data: { turbo_frame: "_top" } do %>
+        <span class="flex items-center gap-2 text-sm text-primary">
+          <span class="w-2.5 h-2.5 rounded-full bg-gray-400"></span>
+          <%= t(".expenses") %>
+        </span>
+        <span class="flex items-center gap-2">
+          <span class="font-medium tabular-nums text-primary privacy-sensitive"><%= format_money money_flow_data[:expense] %></span>
+          <%= icon("chevron-right", size: "sm", class: "text-secondary group-hover:text-primary transition-colors") %>
+        </span>
+      <% end %>
+    </div>
+  </div>
+</div>
diff --git a/config/locales/views/pages/en.yml b/config/locales/views/pages/en.yml
index 5b6e6aa74..6d5876284 100644
--- a/config/locales/views/pages/en.yml
+++ b/config/locales/views/pages/en.yml
@@ -105,3 +105,16 @@ en:
         trades: "Trades"
         no_investments: "No investment accounts"
         add_investment: "Add an investment account to track your portfolio"
+      money_flow:
+        title: "Money In / Out"
+        date_range: "%{start_date} to %{end_date}"
+        month_picker_aria_label: "Select month"
+        filter_accounts: "Filter accounts (%{count})"
+        filter_accounts_all: "All accounts"
+        period_scope_hint: "Shows the months you pick here — independent of the dashboard's time period at the top."
+        search_accounts: "Search accounts"
+        apply: "Apply"
+        balance: "Transaction balance"
+        chart_span: "Last %{count} months"
+        income: "Income"
+        expenses: "Expenses"
diff --git a/config/locales/views/pages/fr.yml b/config/locales/views/pages/fr.yml
index fed78fe87..480b74a05 100644
--- a/config/locales/views/pages/fr.yml
+++ b/config/locales/views/pages/fr.yml
@@ -40,6 +40,19 @@ fr:
         value: Valeur
         weight: Poids
         withdrawals: Retraits
+      money_flow:
+        apply: Appliquer
+        balance: Balance des opérations
+        chart_span: "%{count} derniers mois"
+        date_range: Du %{start_date} au %{end_date}
+        expenses: Sorties
+        filter_accounts: Filtrer les comptes (%{count})
+        filter_accounts_all: Tous les comptes
+        income: Entrées
+        month_picker_aria_label: Sélectionner un mois
+        period_scope_hint: Affiche les mois que vous sélectionnez ici — indépendant de la période du tableau de bord en haut.
+        search_accounts: Rechercher un compte
+        title: Entrées / sorties d'argent
       net_worth_chart:
         data_not_available: Données indisponibles pour la période sélectionnée
         title: Patrimoine net
diff --git a/test/controllers/pages_controller_test.rb b/test/controllers/pages_controller_test.rb
index cb3d451b4..0159730ed 100644
--- a/test/controllers/pages_controller_test.rb
+++ b/test/controllers/pages_controller_test.rb
@@ -124,6 +124,137 @@ class PagesControllerTest < ActionDispatch::IntegrationTest
     assert sankey_data.fetch("nodes").any? { |node| node.fetch("id").start_with?("expense_") }
   end
 
+  test "dashboard renders money flow widget" do
+    get root_path
+
+    assert_response :ok
+    assert_select "[data-controller='bar-chart']"
+  end
+
+  test "dashboard scopes money flow widget to selected month and accounts" do
+    # Dedicated account (rather than @family.accounts.first) so fixture
+    # transactions on other accounts can't skew the computed totals.
+    account = @family.accounts.create!(name: "Money Flow Test Checking", currency: @family.currency, balance: 0, accountable: Depository.new)
+    selected_month = 1.month.ago.beginning_of_month.to_date
+    create_transaction(account: account, name: "Groceries", amount: 50, date: selected_month + 1.day)
+    create_transaction(account: account, name: "Paycheck", amount: -200, date: selected_month + 2.days)
+
+    get root_path, params: {
+      money_flow_month: selected_month.iso8601,
+      money_flow_account_ids: [ account.id ]
+    }
+
+    assert_response :ok
+    bars = money_flow_bars
+
+    assert_equal 6, bars.size
+    highlighted = bars.find { |bar| bar["highlighted"] }
+    assert_equal selected_month.iso8601, highlighted["date"]
+    assert_equal 50.0, highlighted["expense"]
+    assert_equal 200.0, highlighted["income"]
+  end
+
+  test "dashboard money flow widget ignores account ids not accessible to the current user" do
+    other_family = Family.create!(name: "Other Family", currency: "USD")
+    other_account = other_family.accounts.create!(name: "Other Family Checking", currency: "USD", balance: 0, accountable: Depository.new)
+    create_transaction(account: other_account, name: "Not mine", amount: 999)
+
+    get root_path
+    default_bars = money_flow_bars
+
+    get root_path, params: { money_flow_account_ids: [ other_account.id ] }
+
+    assert_response :ok
+    filtered_bars = money_flow_bars
+
+    # An id outside the current user's accessible accounts is dropped entirely
+    # (money_flow_account_ids_param intersects against accessible ids), so the
+    # widget falls back to its unfiltered "all accessible accounts" state
+    # rather than scoping to a foreign account or erroring.
+    assert_equal default_bars, filtered_bars
+  end
+
+  test "dashboard money flow widget excludes accounts ineligible for cashflow totals from its account filter" do
+    excluded_account = @family.accounts.create!(
+      name: "Excluded From Reports",
+      currency: @family.currency,
+      balance: 0,
+      exclude_from_reports: true,
+      accountable: Depository.new
+    )
+
+    get root_path
+
+    assert_response :ok
+    assert_select "input[type='checkbox'][value=?]", excluded_account.id.to_s, count: 0
+  end
+
+  test "dashboard money flow widget ignores account ids excluded from cashflow totals" do
+    excluded_account = @family.accounts.create!(
+      name: "Excluded From Reports",
+      currency: @family.currency,
+      balance: 0,
+      exclude_from_reports: true,
+      accountable: Depository.new
+    )
+    create_transaction(account: excluded_account, name: "Not counted", amount: 999)
+
+    get root_path
+    default_bars = money_flow_bars
+
+    get root_path, params: { money_flow_account_ids: [ excluded_account.id ] }
+
+    assert_response :ok
+    filtered_bars = money_flow_bars
+
+    # An account excluded from reports is visible/accessible but not eligible
+    # for cashflow totals, so selecting only it must fall back to the
+    # unfiltered state instead of silently computing to zero.
+    assert_equal default_bars, filtered_bars
+  end
+
+  test "dashboard clamps a future money flow month instead of erroring" do
+    get root_path, params: { money_flow_month: 1.month.from_now.beginning_of_month.iso8601 }
+
+    assert_response :ok
+    bars = money_flow_bars
+
+    assert_equal Date.current.beginning_of_month.iso8601, bars.last["date"]
+  end
+
+  test "dashboard money flow income/expense links exclude pending transactions" do
+    get root_path
+
+    assert_response :ok
+    assert_select "a[href*='q%5Btypes%5D%5B%5D=income'][href*='q%5Bstatus%5D%5B%5D=confirmed']"
+    assert_select "a[href*='q%5Btypes%5D%5B%5D=expense'][href*='q%5Bstatus%5D%5B%5D=confirmed']"
+  end
+
+  test "dashboard money flow income/expense links stay scoped to eligible accounts by default" do
+    excluded_account = @family.accounts.create!(
+      name: "Excluded From Reports",
+      currency: @family.currency,
+      balance: 0,
+      exclude_from_reports: true,
+      accountable: Depository.new
+    )
+
+    get root_path
+
+    assert_response :ok
+    income_href = css_select("a[href*='q%5Btypes%5D%5B%5D=income']").first["href"]
+    expense_href = css_select("a[href*='q%5Btypes%5D%5B%5D=expense']").first["href"]
+
+    # The default (unfiltered) state must still pin the drill-down links to
+    # the eligible accounts backing the displayed totals, not the broader
+    # accessible-accounts set transactions_path defaults to when account_ids
+    # is absent.
+    assert_includes income_href, "q%5Baccount_ids%5D%5B%5D="
+    assert_not_includes income_href, excluded_account.id
+    assert_includes expense_href, "q%5Baccount_ids%5D%5B%5D="
+    assert_not_includes expense_href, excluded_account.id
+  end
+
   test "changelog" do
     VCR.use_cassette("git_repository_provider/fetch_latest_release_notes") do
       get changelog_path
@@ -161,4 +292,9 @@ class PagesControllerTest < ActionDispatch::IntegrationTest
     assert_select "h2", text: "Test Release"
     # Should not crash even with nil values
   end
+
+  private
+    def money_flow_bars
+      JSON.parse(css_select("[data-controller='bar-chart']").first["data-bar-chart-data-value"])
+    end
 end
diff --git a/test/models/income_statement_test.rb b/test/models/income_statement_test.rb
index 73feefc57..00c9ca9c8 100644
--- a/test/models/income_statement_test.rb
+++ b/test/models/income_statement_test.rb
@@ -76,6 +76,30 @@ class IncomeStatementTest < ActiveSupport::TestCase
     assert_equal expected_total_income, income_totals.category_totals.find { |ct| ct.category.id == @income_category.id }.total
   end
 
+  test "totals_for scopes totals to a period and optional account ids" do
+    income_statement = IncomeStatement.new(@family)
+    period = Period.last_30_days
+
+    all_totals = income_statement.totals_for(period)
+    assert_equal Money.new(1000, @family.currency), all_totals.income_money
+    assert_equal Money.new(200 + 300 + 400, @family.currency), all_totals.expense_money
+
+    checking_only_totals = income_statement.totals_for(period, account_ids: [ @checking_account.id ])
+    assert_equal Money.new(1000, @family.currency), checking_only_totals.income_money
+    assert_equal Money.new(200, @family.currency), checking_only_totals.expense_money
+  end
+
+  test "eligible_accounts excludes accounts not reflected in totals" do
+    tax_advantaged_account = @family.accounts.create! name: "401k", currency: @family.currency, balance: 10000, accountable: Investment.new(subtype: "401k")
+    excluded_account = @family.accounts.create! name: "Excluded", currency: @family.currency, balance: 0, exclude_from_reports: true, accountable: Depository.new
+
+    eligible_ids = IncomeStatement.new(@family).eligible_accounts.pluck(:id)
+
+    assert_includes eligible_ids, @checking_account.id
+    assert_not_includes eligible_ids, tax_advantaged_account.id
+    assert_not_includes eligible_ids, excluded_account.id
+  end
+
   test "calculates median expense" do
     income_statement = IncomeStatement.new(@family)
     assert_equal 200 + 300 + 400, income_statement.expense_totals(period: Period.last_30_days).total