diff --git a/frontend/src/components/admin/AccountingProfileFields.tsx b/frontend/src/components/admin/AccountingProfileFields.tsx
deleted file mode 100644
index 943ffd0f..00000000
--- a/frontend/src/components/admin/AccountingProfileFields.tsx
+++ /dev/null
@@ -1,82 +0,0 @@
-/**
- * Business-profile financial fields surfaced on the Accounting tab: the
- * **VAT label** (printed on invoice/quote PDFs) and the **default hourly rate**
- * (install-wide fallback for hours logging). The values still live on
- * `business_profile`; this is a self-contained card with its own save (mirrors
- * VatCodesManager) so it can't clobber the rest of the business profile, and it
- * shares the `business-profile` query cache so both pages stay in sync.
- */
-import React, { useEffect, useState } from 'react';
-import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
-import { useTranslation } from 'react-i18next';
-import { toast } from 'react-toastify';
-import { Save } from 'lucide-react';
-import { Button, Card, CardContent, Input, Loading } from '../common';
-import { DecimalInput } from '../common/DecimalInput';
-import { businessProfileService } from '../../services/businessProfile.service';
-
-const labelCls = 'block text-sm font-medium text-neutral-700 dark:text-neutral-300 mb-1';
-const inputCls = 'w-full max-w-xs rounded-md border border-neutral-300 dark:border-neutral-600 bg-white dark:bg-neutral-800 px-3 py-2 text-sm';
-
-export const AccountingProfileFields: React.FC = () => {
-  const { t } = useTranslation();
-  const qc = useQueryClient();
-  const { data, isLoading } = useQuery({ queryKey: ['business-profile'], queryFn: () => businessProfileService.get() });
-
-  const [vatLabel, setVatLabel] = useState('');
-  const [hourlyMajor, setHourlyMajor] = useState<number>(NaN);
-  const currency = data?.profile?.defaultCurrency || 'CHF';
-
-  useEffect(() => {
-    if (data?.profile) {
-      setVatLabel(data.profile.vatLabel || '');
-      setHourlyMajor(data.profile.defaultHourlyRateMinor != null ? data.profile.defaultHourlyRateMinor / 100 : NaN);
-    }
-  }, [data]);
-
-  const save = useMutation({
-    mutationFn: () => businessProfileService.update({
-      vatLabel: vatLabel || '',
-      defaultHourlyRateMinor: Number.isFinite(hourlyMajor) ? Math.max(0, Math.round(hourlyMajor * 100)) : null,
-    }),
-    onSuccess: () => {
-      toast.success(t('settings.accounting.profileFields.savedToast', 'Saved.'));
-      qc.invalidateQueries({ queryKey: ['business-profile'] });
-    },
-    onError: (e: any) => toast.error(e?.response?.data?.error || e.message || 'Failed'),
-  });
-
-  if (isLoading) return <Loading />;
-
-  return (
-    <Card><CardContent className="p-5 space-y-4">
-      <h3 className="text-sm font-semibold uppercase tracking-wider text-neutral-500 dark:text-neutral-400">
-        {t('settings.accounting.profileFields.title', 'VAT label & hourly rate')}
-      </h3>
-
-      <div>
-        <label className={labelCls}>{t('settings.accounting.profileFields.vatLabel', 'VAT label (e.g. MwSt., VAT)')}</label>
-        <Input value={vatLabel} onChange={(e) => setVatLabel(e.target.value)} className={inputCls} />
-        <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.profileFields.vatLabelHint', 'Printed as the VAT-line label on invoice / quote PDFs. Leave blank to use the document language default.')}</p>
-      </div>
-
-      <div>
-        <label className={labelCls}>{t('settings.accounting.profileFields.hourlyRate', 'Default hourly rate')}</label>
-        <DecimalInput
-          value={hourlyMajor}
-          fractionDigits={2}
-          onChange={setHourlyMajor}
-          className={inputCls}
-          placeholder={t('settings.accounting.profileFields.hourlyRatePlaceholder', 'e.g. 120.00') as string}
-        />
-        <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">
-          {t('settings.accounting.profileFields.hourlyRateHint', 'Fallback used when a customer has no own rate. In {{currency}}, major units. Leave blank to require a per-customer or per-entry rate.', { currency })}
-        </p>
-      </div>
-
-      <Button onClick={() => save.mutate()} disabled={save.isPending}><Save className="w-4 h-4 mr-2" /> {save.isPending ? t('common.saving', 'Saving…') : t('common.save', 'Save')}</Button>
-    </CardContent></Card>
-  );
-};
-
-export default AccountingProfileFields;
diff --git a/frontend/src/features/settings/tabs/AccountingTab.tsx b/frontend/src/features/settings/tabs/AccountingTab.tsx
index dc2b588a..fafe7922 100644
--- a/frontend/src/features/settings/tabs/AccountingTab.tsx
+++ b/frontend/src/features/settings/tabs/AccountingTab.tsx
@@ -8,14 +8,14 @@ import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { useTranslation } from 'react-i18next';
 import { toast } from 'react-toastify';
 import { Save } from 'lucide-react';
-import { Button, Card, CardContent, Loading } from '../../../components/common';
+import { Button, Card, CardContent, Input, Loading } from '../../../components/common';
 import { DecimalInput } from '../../../components/common/DecimalInput';
 import { accountingService } from '../../../services/accounting.service';
+import { businessProfileService } from '../../../services/businessProfile.service';
 import { vatCodesService } from '../../../services/vatCodes.service';
 import { sortedCountryOptions } from '../../../constants/countries';
 import { VatCodesManager } from '../../../components/admin/VatCodesManager';
 import { ChartOfAccountsManager } from '../../../components/admin/ChartOfAccountsManager';
-import { AccountingProfileFields } from '../../../components/admin/AccountingProfileFields';
 
 const labelCls = 'block text-sm font-medium text-neutral-700 dark:text-neutral-300 mb-1';
 const inputCls = 'w-full max-w-xs rounded-md border border-neutral-300 dark:border-neutral-600 bg-white dark:bg-neutral-800 px-3 py-2 text-sm';
@@ -25,13 +25,18 @@ export const AccountingTab: React.FC = () => {
   const qc = useQueryClient();
   const { data, isLoading } = useQuery({ queryKey: ['accounting-settings'], queryFn: () => accountingService.getSettings() });
   const { data: outputVatCodes = [] } = useQuery({ queryKey: ['vat-codes', 'output'], queryFn: () => vatCodesService.listOutput() });
+  // VAT label + default hourly rate live on business_profile, surfaced here so
+  // all financial/VAT config sits in one tab (and one Save).
+  const { data: profileSnap } = useQuery({ queryKey: ['business-profile'], queryFn: () => businessProfileService.get() });
 
   const [kmMajor, setKmMajor] = useState<number>(NaN);
   const [perDiemMajor, setPerDiemMajor] = useState<number>(NaN);
+  const [hourlyMajor, setHourlyMajor] = useState<number>(NaN);
   const [requireProof, setRequireProof] = useState(false);
   const [vatRegistered, setVatRegistered] = useState(false);
   const [reclaimCountries, setReclaimCountries] = useState<string[]>([]);
   const [defaultOutputVatCode, setDefaultOutputVatCode] = useState('');
+  const [vatLabel, setVatLabel] = useState('');
 
   useEffect(() => {
     if (data) {
@@ -43,19 +48,38 @@ export const AccountingTab: React.FC = () => {
       setDefaultOutputVatCode(data.accounting_default_output_vat_code || '');
     }
   }, [data]);
+  useEffect(() => {
+    if (profileSnap?.profile) {
+      setVatLabel(profileSnap.profile.vatLabel || '');
+      setHourlyMajor(profileSnap.profile.defaultHourlyRateMinor != null ? profileSnap.profile.defaultHourlyRateMinor / 100 : NaN);
+    }
+  }, [profileSnap]);
 
   const countries = sortedCountryOptions(i18n.language);
+  const currency = profileSnap?.profile?.defaultCurrency || 'CHF';
 
+  // One Save persists BOTH the app_settings (rates/VAT/proof) and the two
+  // business_profile fields (VAT label + hourly rate).
   const save = useMutation({
-    mutationFn: () => accountingService.updateSettings({
-      accounting_km_rate_minor: Number.isFinite(kmMajor) ? Math.round(kmMajor * 100) : 0,
-      accounting_per_diem_rate_minor: Number.isFinite(perDiemMajor) ? Math.round(perDiemMajor * 100) : 0,
-      accounting_require_proof: requireProof,
-      accounting_vat_registered: vatRegistered,
-      accounting_vat_reclaim_countries: reclaimCountries,
-      accounting_default_output_vat_code: defaultOutputVatCode,
-    }),
-    onSuccess: () => { toast.success(t('settings.accounting.savedToast', 'Accounting settings saved.')); qc.invalidateQueries({ queryKey: ['accounting-settings'] }); },
+    mutationFn: async () => {
+      await accountingService.updateSettings({
+        accounting_km_rate_minor: Number.isFinite(kmMajor) ? Math.round(kmMajor * 100) : 0,
+        accounting_per_diem_rate_minor: Number.isFinite(perDiemMajor) ? Math.round(perDiemMajor * 100) : 0,
+        accounting_require_proof: requireProof,
+        accounting_vat_registered: vatRegistered,
+        accounting_vat_reclaim_countries: reclaimCountries,
+        accounting_default_output_vat_code: defaultOutputVatCode,
+      });
+      await businessProfileService.update({
+        vatLabel: vatLabel || '',
+        defaultHourlyRateMinor: Number.isFinite(hourlyMajor) ? Math.max(0, Math.round(hourlyMajor * 100)) : null,
+      });
+    },
+    onSuccess: () => {
+      toast.success(t('settings.accounting.savedToast', 'Accounting settings saved.'));
+      qc.invalidateQueries({ queryKey: ['accounting-settings'] });
+      qc.invalidateQueries({ queryKey: ['business-profile'] });
+    },
     onError: (e: any) => toast.error(e?.response?.data?.error || e.message || 'Failed'),
   });
 
@@ -75,9 +99,14 @@ export const AccountingTab: React.FC = () => {
           <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.kmRateHint', 'Default applied to mileage expenses; overridable per entry.')}</p>
         </div>
         <div>
-          <label className={labelCls}>{t('settings.accounting.perDiemRate', 'Per-diem rate (CHF / day)')}</label>
+          <label className={labelCls}>{t('settings.accounting.perDiemRate', 'Daily allowance (CHF / day)')}</label>
           <DecimalInput value={perDiemMajor} onChange={setPerDiemMajor} fractionDigits={2} className={inputCls} />
-          <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.perDiemRateHint', 'Default applied to per-diem expenses; overridable per entry.')}</p>
+          <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.perDiemRateHint', 'A flat daily allowance booked as an expense (not a client billing rate); overridable per entry.')}</p>
+        </div>
+        <div>
+          <label className={labelCls}>{t('settings.accounting.profileFields.hourlyRate', 'Default hourly rate')}</label>
+          <DecimalInput value={hourlyMajor} onChange={setHourlyMajor} fractionDigits={2} className={inputCls} placeholder={t('settings.accounting.profileFields.hourlyRatePlaceholder', 'e.g. 120.00') as string} />
+          <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.profileFields.hourlyRateHint', 'Billing fallback used when a customer has no own rate (hours logging). In {{currency}}, major units. Leave blank to require a per-customer or per-entry rate.', { currency })}</p>
         </div>
         <label className="flex items-center gap-2 text-sm text-neutral-800 dark:text-neutral-200">
           <input type="checkbox" checked={requireProof} onChange={(e) => setRequireProof(e.target.checked)} className="rounded border-neutral-300" />
@@ -91,7 +120,7 @@ export const AccountingTab: React.FC = () => {
           the tax report's VAT-payable). */}
       <Card><CardContent className="p-5 space-y-4">
         <h3 className="text-sm font-semibold uppercase tracking-wider text-neutral-500 dark:text-neutral-400">
-          {t('settings.accounting.vat.title', 'VAT registration & reclaim')}
+          {t('settings.accounting.vat.title', 'VAT')}
         </h3>
         <label className="flex items-start gap-2 text-sm text-neutral-800 dark:text-neutral-200">
           <input type="checkbox" checked={vatRegistered} onChange={(e) => setVatRegistered(e.target.checked)} className="mt-0.5 rounded border-neutral-300" />
@@ -127,17 +156,17 @@ export const AccountingTab: React.FC = () => {
           </select>
           <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.vat.defaultOutputCodeHint', 'New invoices and quotes start with this VAT code selected. Existing documents are unaffected.')}</p>
         </div>
+        <div>
+          <label className={labelCls}>{t('settings.accounting.profileFields.vatLabel', 'VAT label (e.g. MwSt., VAT)')}</label>
+          <Input value={vatLabel} onChange={(e) => setVatLabel(e.target.value)} className={inputCls} />
+          <p className="mt-1 text-xs text-neutral-500 dark:text-neutral-400">{t('settings.accounting.profileFields.vatLabelHint', 'Printed as the VAT-line label on invoice / quote PDFs. Leave blank to use the document language default.')}</p>
+        </div>
       </CardContent></Card>
 
       <div>
         <Button onClick={() => save.mutate()} disabled={save.isPending}><Save className="w-4 h-4 mr-2" /> {save.isPending ? t('common.saving', 'Saving…') : t('common.save', 'Save')}</Button>
       </div>
 
-      {/* VAT label + default hourly rate — moved here from Business profile so
-          all financial/VAT config lives in one place (storage stays on
-          business_profile; this card has its own save). */}
-      <AccountingProfileFields />
-
       {/* VAT codes + rate→code / treatment→code maps — relocated here from the
           Chart-of-accounts page so all VAT config lives in one place. */}
       <VatCodesManager />
diff --git a/frontend/src/i18n/locales/de.json b/frontend/src/i18n/locales/de.json
index ed02f635..f71f6aaf 100644
--- a/frontend/src/i18n/locales/de.json
+++ b/frontend/src/i18n/locales/de.json
@@ -1718,14 +1718,14 @@
     },
     "accounting": {
       "title": "Buchhaltung",
-      "subtitle": "Standardsätze für interne Aufwände und die Belegpflicht.",
+      "subtitle": "Standardsätze, MwSt-Einstellungen und die Belegpflicht.",
       "kmRate": "Kilometersatz (CHF / km)",
       "kmRateHint": "Standard für Kilometer-Aufwände; pro Eintrag überschreibbar.",
       "perDiemRate": "Spesenpauschale (CHF / Tag)",
-      "perDiemRateHint": "Standard für Pauschal-Aufwände; pro Eintrag überschreibbar.",
+      "perDiemRateHint": "Eine Tagespauschale, die als Aufwand gebucht wird (kein Kunden-Verrechnungssatz); pro Eintrag überschreibbar.",
       "requireProof": "Beleg für jeden Aufwand verlangen",
       "vat": {
-        "title": "MwSt-Registrierung & Vorsteuerabzug",
+        "title": "MwSt.",
         "registered": "MwSt-pflichtig (Umsatzsteuer berechnen + Vorsteuer abziehen)",
         "registeredHint": "Aus = Kleinunternehmen / unter der Schwelle: keine MwSt berechnet, Vorsteuer ist Aufwand (nicht abziehbar).",
         "reclaimCountries": "Länder mit abziehbarer Vorsteuer",
@@ -1742,7 +1742,7 @@
         "vatLabelHint": "Wird als Bezeichnung der MwSt-Zeile auf Rechnungs-/Angebots-PDFs gedruckt. Leer lassen, um die Standardbezeichnung der Dokumentsprache zu verwenden.",
         "hourlyRate": "Standard-Stundensatz",
         "hourlyRatePlaceholder": "z. B. 120.00",
-        "hourlyRateHint": "Fallback, wenn ein Kunde keinen eigenen Satz hat. In {{currency}}, in Hauptwährungseinheiten. Leer lassen, um einen Satz pro Kunde oder pro Eintrag zu verlangen.",
+        "hourlyRateHint": "Verrechnungs-Fallback, wenn ein Kunde keinen eigenen Satz hat (Stundenerfassung). In {{currency}}, in Hauptwährungseinheiten. Leer lassen, um einen Satz pro Kunde oder pro Eintrag zu verlangen.",
         "savedToast": "Gespeichert."
       }
     }
diff --git a/frontend/src/i18n/locales/en.json b/frontend/src/i18n/locales/en.json
index aa75abc3..e1d02ea1 100644
--- a/frontend/src/i18n/locales/en.json
+++ b/frontend/src/i18n/locales/en.json
@@ -1276,14 +1276,14 @@
     },
     "accounting": {
       "title": "Accounting",
-      "subtitle": "Default rates for internal expenses and the proof requirement.",
+      "subtitle": "Default rates, VAT settings and the proof requirement.",
       "kmRate": "Mileage rate (CHF / km)",
       "kmRateHint": "Default applied to mileage expenses; overridable per entry.",
-      "perDiemRate": "Per-diem rate (CHF / day)",
-      "perDiemRateHint": "Default applied to per-diem expenses; overridable per entry.",
+      "perDiemRate": "Daily allowance (CHF / day)",
+      "perDiemRateHint": "A flat daily allowance booked as an expense (not a client billing rate); overridable per entry.",
       "requireProof": "Require a proof file on every expense",
       "vat": {
-        "title": "VAT registration & reclaim",
+        "title": "VAT",
         "registered": "VAT-registered (charge output VAT + reclaim input VAT)",
         "registeredHint": "Off = small business / under threshold: no VAT charged, input VAT is a cost (not reclaimable).",
         "reclaimCountries": "Countries where input VAT is reclaimable",
@@ -1300,7 +1300,7 @@
         "vatLabelHint": "Printed as the VAT-line label on invoice / quote PDFs. Leave blank to use the document language default.",
         "hourlyRate": "Default hourly rate",
         "hourlyRatePlaceholder": "e.g. 120.00",
-        "hourlyRateHint": "Fallback used when a customer has no own rate. In {{currency}}, major units. Leave blank to require a per-customer or per-entry rate.",
+        "hourlyRateHint": "Billing fallback used when a customer has no own rate (hours logging). In {{currency}}, major units. Leave blank to require a per-customer or per-entry rate.",
         "savedToast": "Saved."
       }
     }
@@ -3639,7 +3639,7 @@
     "expenseKind": {
       "amount": "Amount",
       "mileage": "Mileage (km)",
-      "per_diem": "Per-diem"
+      "per_diem": "Daily allowance"
     },
     "category": {
       "infrastructure": "Infrastructure & rent",