diff --git a/backend/src/routes/adminDashboard.js b/backend/src/routes/adminDashboard.js
index bc5aa379..6a67b771 100644
--- a/backend/src/routes/adminDashboard.js
+++ b/backend/src/routes/adminDashboard.js
@@ -439,6 +439,10 @@ router.get('/crm-stats', adminAuth, async (req, res) => {
     const monthCutoff   = new Date(now -  30 * DAY);
     const quarterCutoff = new Date(now -  90 * DAY);
     const yearCutoff    = new Date(now - 365 * DAY);
+    // Calendar year-to-date (Jan 1 of the current year, local time) —
+    // the dashboard's revenue "year" tile can toggle between this and
+    // the trailing-365-day window.
+    const calendarYearCutoff = new Date(new Date(now).getFullYear(), 0, 1);
 
     // ---- quotes: counts by status ---------------------------------
     let quoteCounts = { draft: 0, sent: 0, accepted: 0, declined: 0, expired: 0, converted: 0 };
@@ -459,6 +463,7 @@ router.get('/crm-stats', adminAuth, async (req, res) => {
     let revenueMonthMinor = 0;
     let revenueQuarterMinor = 0;
     let revenueYearMinor = 0;
+    let revenueCalendarYearMinor = 0;
     let outstandingTotalMinor = 0;
     let outstandingCount = 0;
 
@@ -504,9 +509,10 @@ router.get('/crm-stats', adminAuth, async (req, res) => {
             .first();
           return Number(row?.total || 0);
         };
-        revenueMonthMinor   = await winSum(monthCutoff);
-        revenueQuarterMinor = await winSum(quarterCutoff);
-        revenueYearMinor    = await winSum(yearCutoff);
+        revenueMonthMinor        = await winSum(monthCutoff);
+        revenueQuarterMinor      = await winSum(quarterCutoff);
+        revenueYearMinor         = await winSum(yearCutoff);
+        revenueCalendarYearMinor = await winSum(calendarYearCutoff);
 
         // Outstanding: every invoice that's been sent but not fully
         // paid (sent + overdue). Outstanding = total - paid. We sum
@@ -568,9 +574,10 @@ router.get('/crm-stats', adminAuth, async (req, res) => {
       quotes: quoteCounts,
       invoices: invoiceCounts,
       revenue: {
-        monthMinor:   revenueMonthMinor,
-        quarterMinor: revenueQuarterMinor,
-        yearMinor:    revenueYearMinor,
+        monthMinor:        revenueMonthMinor,
+        quarterMinor:      revenueQuarterMinor,
+        yearMinor:         revenueYearMinor,
+        calendarYearMinor: revenueCalendarYearMinor,
       },
       outstanding: {
         totalMinor: outstandingTotalMinor,
diff --git a/backend/src/routes/adminInvoices.js b/backend/src/routes/adminInvoices.js
index 997d7366..fac20bd9 100644
--- a/backend/src/routes/adminInvoices.js
+++ b/backend/src/routes/adminInvoices.js
@@ -342,6 +342,7 @@ router.get(
     query('customerAccountId').optional({ values: 'falsy' }).isInt({ min: 1 }),
     query('sourceQuoteId').optional({ values: 'falsy' }).isInt({ min: 1 }),
     query('unpaidOnly').optional({ values: 'falsy' }).isBoolean(),
+    query('includeDrafts').optional({ values: 'falsy' }).isBoolean(),
     query('q').optional({ values: 'falsy' }).isString().isLength({ max: 255 }),
     query('sort').optional({ values: 'falsy' }).isIn(['newest', 'oldest', 'issue_asc', 'issue_desc', 'due_asc', 'due_desc', 'value_asc', 'value_desc', 'customer_asc', 'customer_desc']),
     query('page').optional({ values: 'falsy' }).isInt({ min: 1 }),
@@ -358,6 +359,9 @@ router.get(
         customerAccountId: req.query.customerAccountId ? parseInt(req.query.customerAccountId, 10) : null,
         sourceQuoteId: req.query.sourceQuoteId ? parseInt(req.query.sourceQuoteId, 10) : null,
         unpaidOnly: req.query.unpaidOnly === 'true' || req.query.unpaidOnly === true,
+        // Surface running monthly/manual accumulator drafts (hidden by
+        // default per migration 128) when the Bills list explicitly asks.
+        includeMonthlyDrafts: req.query.includeDrafts === 'true' || req.query.includeDrafts === true,
         q: req.query.q,
       },
       sort: req.query.sort || 'issue_desc',
diff --git a/backend/src/services/eventReminderService.js b/backend/src/services/eventReminderService.js
index 6d46d769..ed6c7891 100644
--- a/backend/src/services/eventReminderService.js
+++ b/backend/src/services/eventReminderService.js
@@ -55,6 +55,7 @@
 
 const { db } = require('../database/db');
 const emailProcessor = require('./emailProcessor');
+const { formatBoolean } = require('../utils/dbCompat');
 const { getAppSetting } = require('../utils/appSettings');
 const { hasColumnCached } = require('../utils/schemaCache');
 const logger = require('../utils/logger');
@@ -176,9 +177,9 @@ async function runEventReminderPass() {
   const now = new Date();
   const rows = await db('events')
     .whereNotNull('events.event_date')
-    .where('events.is_active', true)
-    .where('events.is_archived', false)
-    .where('events.event_reminder_disabled', false)
+    .where('events.is_active', formatBoolean(true))
+    .where('events.is_archived', formatBoolean(false))
+    .where('events.event_reminder_disabled', formatBoolean(false))
     .whereNull('events.event_reminder_sent_at')
     .where('events.event_date', '>=', now.toISOString().slice(0, 10))
     .select('events.*');
@@ -328,7 +329,7 @@ async function resolveReminderRecipients(eventRow) {
   const assigned = await db('event_customer_assignments as a')
     .join('customer_accounts as c', 'c.id', 'a.customer_account_id')
     .where('a.event_id', eventRow.id)
-    .where('c.is_active', true)
+    .where('c.is_active', formatBoolean(true))
     .whereNotNull('c.email')
     .select('c.email');
   // De-dup emails defensively (a customer assigned twice, etc.).
diff --git a/frontend/src/components/admin/CrmOverviewSection.tsx b/frontend/src/components/admin/CrmOverviewSection.tsx
index 88f7ea7d..34a17978 100644
--- a/frontend/src/components/admin/CrmOverviewSection.tsx
+++ b/frontend/src/components/admin/CrmOverviewSection.tsx
@@ -50,6 +50,10 @@ export const CrmOverviewSection: React.FC = () => {
   // publicSettings finishes loading — shows everything, then settles.
   const showRevenue     = publicSettings?.crm_overview_show_revenue !== false;
   const showOutstanding = publicSettings?.crm_overview_show_outstanding !== false;
+  // Revenue "year" tile toggles in place between the trailing-365-day
+  // window and calendar year-to-date — keeps the dashboard to four
+  // tiles instead of adding a fifth.
+  const [revYearMode, setRevYearMode] = React.useState<'rolling' | 'calendar'>('rolling');
   const showQuotes      = publicSettings?.crm_overview_show_quotes !== false;
   const showInvoices    = publicSettings?.crm_overview_show_invoices !== false;
   // Compute which sub-sections actually render so we can skip the
@@ -121,8 +125,15 @@ export const CrmOverviewSection: React.FC = () => {
               />
               <StatCard
                 icon={<TrendingUp className="w-5 h-5" />}
-                label={t('crmOverview.revenue.year', 'Revenue · last 365 days')}
-                value={formatMoney(d.revenue.yearMinor, cur)}
+                label={revYearMode === 'calendar'
+                  ? t('crmOverview.revenue.yearCalendar', 'Revenue · this year')
+                  : t('crmOverview.revenue.year', 'Revenue · last 365 days')}
+                value={formatMoney(
+                  revYearMode === 'calendar' ? d.revenue.calendarYearMinor : d.revenue.yearMinor,
+                  cur,
+                )}
+                sub={t('crmOverview.revenue.toggleHint', 'Tap to switch window')}
+                onClick={() => setRevYearMode((m) => (m === 'rolling' ? 'calendar' : 'rolling'))}
               />
             </>
           )}
@@ -249,8 +260,11 @@ interface StatCardProps {
   value: string | number;
   sub?: string;
   to?: string;
+  /** Makes the whole tile a button (mutually exclusive with `to`).
+   *  Used by the revenue tile to toggle its window in place. */
+  onClick?: () => void;
 }
-const StatCard: React.FC<StatCardProps> = ({ icon, label, value, sub, to }) => {
+const StatCard: React.FC<StatCardProps> = ({ icon, label, value, sub, to, onClick }) => {
   const inner = (
     <Card padding="md" className="h-full">
       <div className="flex items-start gap-3">
@@ -266,6 +280,13 @@ const StatCard: React.FC<StatCardProps> = ({ icon, label, value, sub, to }) => {
   if (to) {
     return <Link to={to} className="block hover:opacity-90 transition-opacity">{inner}</Link>;
   }
+  if (onClick) {
+    return (
+      <button type="button" onClick={onClick} className="block w-full text-left hover:opacity-90 transition-opacity">
+        {inner}
+      </button>
+    );
+  }
   return inner;
 };
 
diff --git a/frontend/src/components/admin/CustomerCrmPanels.tsx b/frontend/src/components/admin/CustomerCrmPanels.tsx
index bc5c3109..6be7b409 100644
--- a/frontend/src/components/admin/CustomerCrmPanels.tsx
+++ b/frontend/src/components/admin/CustomerCrmPanels.tsx
@@ -19,7 +19,7 @@ import { FileText, Plus, Receipt, ScrollText } from 'lucide-react';
 import { Card, Button, Loading } from '../common';
 import { useFeatureFlags } from '../../contexts/FeatureFlagsContext';
 import { quotesService } from '../../services/quotes.service';
-import { billsService } from '../../services/bills.service';
+import { billsService, isDraftInvoice } from '../../services/bills.service';
 import { contractsService } from '../../services/contracts.service';
 import { formatMoney } from './LineItemsTable';
 import { useLocalizedDate } from '../../hooks/useLocalizedDate';
@@ -204,14 +204,20 @@ const InvoicesPanel: React.FC<Props> = ({ customerAccountId }) => {
                 </span>
               </div>
               <span className="text-sm tabular-nums">{formatMoney(Number(inv.totalAmountMinor) / 100, inv.currency)}</span>
-              <span className={`px-2 py-0.5 rounded text-xs font-medium ${
-                inv.status === 'paid' ? 'bg-green-100 text-green-800'
-                  : inv.status === 'overdue' ? 'bg-red-100 text-red-800'
-                  : inv.status === 'sent' ? 'bg-blue-100 text-blue-800'
-                  : inv.status === 'cancelled' ? 'bg-neutral-200 text-neutral-600'
-                  : inv.status === 'skipped' ? 'bg-neutral-100 text-neutral-500 italic'
-                  : 'bg-amber-100 text-amber-800'
-              }`}>{t(`bills.status.${inv.status}`, inv.status)}</span>
+              {isDraftInvoice(inv) ? (
+                <span className="px-2 py-0.5 rounded text-xs font-medium bg-purple-100 text-purple-800 dark:bg-purple-900/40 dark:text-purple-200">
+                  {t('bills.status.draft', 'Draft')}
+                </span>
+              ) : (
+                <span className={`px-2 py-0.5 rounded text-xs font-medium ${
+                  inv.status === 'paid' ? 'bg-green-100 text-green-800'
+                    : inv.status === 'overdue' ? 'bg-red-100 text-red-800'
+                    : inv.status === 'sent' ? 'bg-blue-100 text-blue-800'
+                    : inv.status === 'cancelled' ? 'bg-neutral-200 text-neutral-600'
+                    : inv.status === 'skipped' ? 'bg-neutral-100 text-neutral-500 italic'
+                    : 'bg-amber-100 text-amber-800'
+                }`}>{t(`bills.status.${inv.status}`, inv.status)}</span>
+              )}
             </li>
           ))}
         </ul>
diff --git a/frontend/src/components/admin/HoursSection.tsx b/frontend/src/components/admin/HoursSection.tsx
index b871bf0e..fb0dd906 100644
--- a/frontend/src/components/admin/HoursSection.tsx
+++ b/frontend/src/components/admin/HoursSection.tsx
@@ -448,12 +448,24 @@ export const HoursSection: React.FC<HoursSectionProps> = ({
                     </td>
                     <td className="py-1.5 pr-3">
                       {e.status === 'billed' ? (
-                        <span className="text-xs text-green-700 dark:text-green-300">
-                          {e.invoiceNumber
-                            ? t('customers.hours.status.billedOn',
-                              'Billed: {{number}}', { number: e.invoiceNumber })
-                            : t('customers.hours.status.billed', 'Billed')}
-                        </span>
+                        e.invoiceId ? (
+                          // Link straight to the invoice so a "Billed: R-…" entry
+                          // is one click from its (possibly draft) invoice.
+                          <Link
+                            to={`/admin/clients/bills/${e.invoiceId}`}
+                            className="text-xs text-green-700 dark:text-green-300 underline hover:no-underline"
+                          >
+                            {e.invoiceNumber
+                              ? t('customers.hours.status.billedOn', 'Billed: {{number}}', { number: e.invoiceNumber })
+                              : t('customers.hours.status.billed', 'Billed')}
+                          </Link>
+                        ) : (
+                          <span className="text-xs text-green-700 dark:text-green-300">
+                            {e.invoiceNumber
+                              ? t('customers.hours.status.billedOn', 'Billed: {{number}}', { number: e.invoiceNumber })
+                              : t('customers.hours.status.billed', 'Billed')}
+                          </span>
+                        )
                       ) : (
                         <span className="text-xs text-amber-700 dark:text-amber-300">
                           {t('customers.hours.status.unbilled', 'Unbilled')}
diff --git a/frontend/src/i18n/locales/de.json b/frontend/src/i18n/locales/de.json
index 7f7c8a7d..0a91dd84 100644
--- a/frontend/src/i18n/locales/de.json
+++ b/frontend/src/i18n/locales/de.json
@@ -4666,6 +4666,7 @@
   "bills": {
     "status": {
       "scheduled": "Geplant",
+      "draft": "Entwurf",
       "pending_delivery": "Wartet auf Lieferung",
       "sent": "Gesendet",
       "paid": "Bezahlt",
@@ -4800,6 +4801,7 @@
       "notes": "Notizen",
       "methodPlaceholder": "Methode wählen…",
       "methods": {
+        "bankTransfer": "Überweisung",
         "card": "Karte",
         "cash": "Bar",
         "paypal": "PayPal",
diff --git a/frontend/src/i18n/locales/en.json b/frontend/src/i18n/locales/en.json
index 45d9e8a4..95422e5c 100644
--- a/frontend/src/i18n/locales/en.json
+++ b/frontend/src/i18n/locales/en.json
@@ -4789,6 +4789,7 @@
       "notes": "Notes",
       "methodPlaceholder": "Select method…",
       "methods": {
+        "bankTransfer": "Bank transfer",
         "card": "Card",
         "cash": "Cash",
         "paypal": "PayPal",
@@ -4810,6 +4811,7 @@
     },
     "status": {
       "scheduled": "Scheduled",
+      "draft": "Draft",
       "pending_delivery": "Awaiting delivery",
       "sent": "Sent",
       "paid": "Paid",
diff --git a/frontend/src/pages/admin/bills/BillDetailPage.tsx b/frontend/src/pages/admin/bills/BillDetailPage.tsx
index 0e60ec73..d937c816 100644
--- a/frontend/src/pages/admin/bills/BillDetailPage.tsx
+++ b/frontend/src/pages/admin/bills/BillDetailPage.tsx
@@ -10,7 +10,7 @@ import { useQuery, useQueryClient } from '@tanstack/react-query';
 import { ArrowLeft, Eye, Send, CheckCircle, BellRing, XCircle, Truck, Edit2, RefreshCw } from 'lucide-react';
 import { Button, Card, Loading, Input, LocalizedDateInput } from '../../../components/common';
 import { DocumentLineageCard } from '../../../components/admin/DocumentLineageCard';
-import { billsService } from '../../../services/bills.service';
+import { billsService, isDraftInvoice } from '../../../services/bills.service';
 import { formatMoney } from '../../../components/admin/LineItemsTable';
 import { useLocalizedDate } from '../../../hooks/useLocalizedDate';
 import { toast } from 'react-toastify';
@@ -264,7 +264,10 @@ export const BillDetailPage: React.FC = () => {
               </span>
             )}
             <span className="ml-2 text-xs font-medium px-2 py-0.5 rounded bg-neutral-100 text-neutral-700">
-              {t(`bills.status.${inv.status}`, inv.status)}
+              {/* Held invoice ('scheduled' with no send date, incl. the
+                  monthly/manual accumulator) never auto-ships — read it as
+                  "Draft", matching the Bills list. */}
+              {isDraftInvoice(inv) ? t('bills.status.draft', 'Draft') : t(`bills.status.${inv.status}`, inv.status)}
             </span>
           </h2>
           <p className="text-sm text-neutral-600 dark:text-neutral-400">
@@ -523,6 +526,7 @@ export const BillDetailPage: React.FC = () => {
                   className="w-full px-3 py-2 rounded-md border border-neutral-300 dark:border-neutral-600 bg-white dark:bg-neutral-800 text-sm focus:outline-none focus:ring-2 focus:ring-primary-500 focus:border-accent-dark"
                 >
                   <option value="">{t('bills.payment.methodPlaceholder', 'Select method…')}</option>
+                  <option value="bank_transfer">{t('bills.payment.methods.bankTransfer', 'Bank transfer')}</option>
                   <option value="cash">{t('bills.payment.methods.cash', 'Cash')}</option>
                   <option value="card">{t('bills.payment.methods.card', 'Card')}</option>
                   <option value="paypal">{t('bills.payment.methods.paypal', 'PayPal')}</option>
diff --git a/frontend/src/pages/admin/bills/BillsListPage.tsx b/frontend/src/pages/admin/bills/BillsListPage.tsx
index 346b010f..192886c8 100644
--- a/frontend/src/pages/admin/bills/BillsListPage.tsx
+++ b/frontend/src/pages/admin/bills/BillsListPage.tsx
@@ -7,7 +7,7 @@ import { useTranslation } from 'react-i18next';
 import { Link, useNavigate } from 'react-router-dom';
 import { useQuery, useQueryClient } from '@tanstack/react-query';
 import { Plus, Search, Upload, X } from 'lucide-react';
-import { billsService, type InvoiceStatus, type InvoiceSort } from '../../../services/bills.service';
+import { billsService, isDraftInvoice, type InvoiceStatus, type InvoiceSort } from '../../../services/bills.service';
 import { Button, Card, Input, Loading, LocalizedDateInput, SortableHeader, useColumnSort, type SortColumnMap } from '../../../components/common';
 import { formatMoney } from '../../../components/admin/LineItemsTable';
 import { customerAdminService } from '../../../services/customerAdmin.service';
@@ -47,6 +47,9 @@ export const BillsListPage: React.FC = () => {
       q: search || undefined,
       status: statusFilter.length ? statusFilter : undefined,
       unpaidOnly,
+      // Surface the running monthly/manual accumulator drafts here (they're
+      // badged "Draft"); they're hidden from pickers/sub-lists by default.
+      includeDrafts: true,
       sort, page, pageSize: 25,
     }),
   });
@@ -186,14 +189,23 @@ export const BillsListPage: React.FC = () => {
                           {formatMoney(Number(inv.totalAmountMinor) / 100, inv.currency)}
                         </td>
                         <td className="px-3 py-2">
-                          <span className={`px-2 py-0.5 rounded text-xs font-medium ${
-                            inv.status === 'paid' ? 'bg-green-100 text-green-800'
-                              : inv.status === 'overdue' ? 'bg-red-100 text-red-800'
-                              : inv.status === 'sent' ? 'bg-blue-100 text-blue-800'
-                              : inv.status === 'cancelled' ? 'bg-neutral-200 text-neutral-600'
-                              : inv.status === 'skipped' ? 'bg-neutral-100 text-neutral-500 italic'
-                              : 'bg-amber-100 text-amber-800'
-                          }`}>{t(`bills.status.${inv.status}`, inv.status)}</span>
+                          {isDraftInvoice(inv) ? (
+                            // Held invoice: 'scheduled' with no send date (incl. the
+                            // monthly/manual accumulator) never auto-ships, so badge it
+                            // honestly as "Draft" rather than "Scheduled".
+                            <span className="px-2 py-0.5 rounded text-xs font-medium bg-purple-100 text-purple-800 dark:bg-purple-900/40 dark:text-purple-200">
+                              {t('bills.status.draft', 'Draft')}
+                            </span>
+                          ) : (
+                            <span className={`px-2 py-0.5 rounded text-xs font-medium ${
+                              inv.status === 'paid' ? 'bg-green-100 text-green-800'
+                                : inv.status === 'overdue' ? 'bg-red-100 text-red-800'
+                                : inv.status === 'sent' ? 'bg-blue-100 text-blue-800'
+                                : inv.status === 'cancelled' ? 'bg-neutral-200 text-neutral-600'
+                                : inv.status === 'skipped' ? 'bg-neutral-100 text-neutral-500 italic'
+                                : 'bg-amber-100 text-amber-800'
+                            }`}>{t(`bills.status.${inv.status}`, inv.status)}</span>
+                          )}
                         </td>
                       </tr>
                     ))}
diff --git a/frontend/src/services/bills.service.ts b/frontend/src/services/bills.service.ts
index ca5f0a9c..7716f57c 100644
--- a/frontend/src/services/bills.service.ts
+++ b/frontend/src/services/bills.service.ts
@@ -92,6 +92,24 @@ export interface InvoiceSummary {
    *  (migration 111). Hide line-item editing on these rows; the
    *  uploaded PDF is the source of truth. */
   isImported?: boolean;
+  /** True for the running monthly/manual accumulator draft
+   *  (migration 128). Carries status 'scheduled' but never auto-sends
+   *  (manual) — shown with a "Draft" badge in the list. */
+  isMonthlyDraft?: boolean;
+}
+
+/**
+ * A "scheduled" invoice with no send date is HELD — the scheduler only
+ * picks up rows whose `scheduled_send_at <= now`, so a null send date
+ * means it never auto-ships and is waiting on the admin (Send now /
+ * Trigger invoice now). Those, plus monthly/manual accumulators, read as
+ * "Draft" everywhere instead of the misleading "Scheduled". A scheduled
+ * invoice WITH a future send date is genuinely scheduled and keeps that
+ * label.
+ */
+export function isDraftInvoice(inv: Pick<InvoiceSummary, 'status' | 'scheduledSendAt' | 'isMonthlyDraft'>): boolean {
+  if (inv.isMonthlyDraft) return true;
+  return inv.status === 'scheduled' && !inv.scheduledSendAt;
 }
 
 export interface InvoiceDetail extends InvoiceSummary {
@@ -225,6 +243,10 @@ export const billsService = {
     sort?: InvoiceSort;
     page?: number;
     pageSize?: number;
+    /** Include the running monthly/manual accumulator drafts that the
+     *  main list hides by default (migration 128). Only the Bills list
+     *  opts in; pickers/sub-lists leave it off. */
+    includeDrafts?: boolean;
   } = {}): Promise<InvoiceListResponse> {
     const { data } = await api.get('/admin/invoices', {
       params: {
@@ -378,6 +400,9 @@ export interface CrmOverviewStats {
     monthMinor: number;
     quarterMinor: number;
     yearMinor: number;
+    /** Revenue since Jan 1 of the current year (calendar YTD). The
+     *  dashboard's "year" tile toggles between this and yearMinor. */
+    calendarYearMinor: number;
   };
   outstanding: {
     totalMinor: number;