diff --git a/web/dashboard.css b/web/dashboard.css
index 50f4f6e..61e1c66 100644
--- a/web/dashboard.css
+++ b/web/dashboard.css
@@ -193,3 +193,23 @@
 /* net pill */
 .net-pos { color: var(--c-income); }
 .net-neg { color: var(--c-spend); }
+
+/* ---- category breakdown accordion ---- */
+.bk-section { border-bottom: 1px solid var(--line); }
+.bk-section:last-child { border-bottom: 0; }
+.bk-header { display: flex; align-items: center; gap: 10px; padding: 11px 14px; cursor: pointer; user-select: none; }
+.bk-header:hover { background: rgba(255,255,255,0.025); }
+.bk-toggle { font-size: 9px; color: var(--ink-dim); width: 10px; flex-shrink: 0; }
+.bk-dot { width: 9px; height: 9px; border-radius: 3px; flex-shrink: 0; }
+.bk-name { flex: 1; font-size: 13.5px; color: var(--ink); }
+.bk-meta { font-size: 11px; color: var(--ink-dim); font-family: var(--font-num); }
+.bk-pct { font-size: 11px; color: var(--ink-dim); font-family: var(--font-num); width: 30px; text-align: right; }
+.bk-amt { font-size: 13px; font-family: var(--font-num); color: var(--ink); min-width: 72px; text-align: right; }
+.bk-rows { padding: 2px 14px 10px; border-top: 1px solid var(--line); background: rgba(0,0,0,0.18); }
+.bk-row { display: grid; grid-template-columns: 1fr 34px 34px 80px; gap: 10px; align-items: baseline; padding: 6px 0; border-bottom: 1px solid rgba(255,255,255,0.04); }
+.bk-row:last-child { border-bottom: 0; }
+.bk-row-desc { font-size: 12px; color: var(--ink-mute); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; padding-left: 19px; font-family: var(--font-num); }
+.bk-row-cnt { font-size: 11px; color: var(--ink-dim); font-family: var(--font-num); text-align: right; }
+.bk-row-pct { font-size: 11px; color: var(--ink-dim); font-family: var(--font-num); text-align: right; }
+.bk-row-amt { font-size: 12px; color: var(--ink); font-family: var(--font-num); text-align: right; }
+.bk-more { font-size: 11px; color: var(--ink-dim); padding: 7px 0 3px 19px; }
diff --git a/web/dashboard.js b/web/dashboard.js
index cc5d147..a3ebe7a 100644
--- a/web/dashboard.js
+++ b/web/dashboard.js
@@ -148,6 +148,7 @@
         <div class="card"><h3>Top merchants<span class="pill">single payees</span></h3><div class="mlist" id="sp-merch"></div></div>
       </div>
       <div class="card" style="margin-top:16px;"><h3>Spending by month<span class="pill">CLP / month</span></h3><div class="chart-host" id="sp-month"></div></div>
+      <div class="card" style="margin-top:16px;"><h3>Categories &amp; merchants<span class="pill">click to expand</span></h3><div id="sp-breakdown"></div></div>
     `;
     C.hbars($('#sp-cats'), cats.map(([label, d], i) => ({
       label, value: d.value, color: catColor(i), sub: d.txns.length + ' txns · ' + Math.round(d.value / total * 100) + '%',
@@ -163,6 +164,50 @@
       ml.appendChild(row);
     });
     C.monthlyBars($('#sp-month'), months, [{ key: 'sp', label: 'Spending', color: col.spend(), values: spendByM }], { height: 200 });
+    renderCategoryBreakdown($('#sp-breakdown'), cats, catColor, total);
+  }
+
+  function renderCategoryBreakdown(host, cats, catColor, total) {
+    const MT = window.MT;
+    host.innerHTML = '';
+    cats.forEach(([catName, catData], i) => {
+      const color = catColor(i);
+      const byDesc = groupSum(catData.txns, t => MT.cleanDesc(t.description) || t.description || '—');
+      const descs = sortEntries(byDesc);
+      const pct = Math.round(catData.value / total * 100);
+      const section = document.createElement('div');
+      section.className = 'bk-section';
+      const rowsHtml = descs.slice(0, 30).map(([desc, d]) => {
+        const cpct = Math.round(d.value / catData.value * 100);
+        return `<div class="bk-row">
+          <span class="bk-row-desc">${esc(desc)}</span>
+          <span class="bk-row-cnt">${d.txns.length}×</span>
+          <span class="bk-row-pct">${cpct}%</span>
+          <span class="bk-row-amt">${MT.CLPk(d.value)}</span>
+        </div>`;
+      }).join('') + (descs.length > 30 ? `<div class="bk-more">+${descs.length - 30} more descriptions</div>` : '');
+      section.innerHTML = `
+        <div class="bk-header">
+          <span class="bk-toggle">▶</span>
+          <span class="bk-dot" style="background:${color}"></span>
+          <span class="bk-name">${esc(catName)}</span>
+          <span class="bk-meta">${catData.txns.length} txns</span>
+          <span class="bk-pct">${pct}%</span>
+          <span class="bk-amt">${MT.CLPk(catData.value)}</span>
+        </div>
+        <div class="bk-rows" hidden>${rowsHtml}</div>`;
+      const header = section.querySelector('.bk-header');
+      const rows = section.querySelector('.bk-rows');
+      const toggle = section.querySelector('.bk-toggle');
+      header.addEventListener('click', () => {
+        const open = !rows.hidden;
+        rows.hidden = open;
+        toggle.textContent = open ? '▶' : '▼';
+      });
+      // expand biggest category by default
+      if (i === 0) { rows.hidden = false; toggle.textContent = '▼'; }
+      host.appendChild(section);
+    });
   }
 
   // ============================================================ TAB 3: INCOME