diff --git a/alembic/versions/cc60e7f73a1c_add_posting_ledger_drop_month_entry_.py b/alembic/versions/cc60e7f73a1c_add_posting_ledger_drop_month_entry_.py
new file mode 100644
index 0000000..d45c445
--- /dev/null
+++ b/alembic/versions/cc60e7f73a1c_add_posting_ledger_drop_month_entry_.py
@@ -0,0 +1,123 @@
+"""add posting ledger, drop month_entry.applied
+
+Revision ID: cc60e7f73a1c
+Revises: a4ec4f8f6e9f
+Create Date: 2026-04-17 17:25:53.487094
+
+Creates the posting table, seeds one "opening balance" posting per
+existing month_entry whose applied value is non-zero, and drops the
+applied column from month_entry. After this revision applied is
+computed as SUM(posting.amount) over the entry's postings.
+"""
+from datetime import datetime, timezone
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+revision: str = "cc60e7f73a1c"
+down_revision: Union[str, Sequence[str], None] = "a4ec4f8f6e9f"
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    # 1. Create posting table
+    op.create_table(
+        "posting",
+        sa.Column("id", sa.Integer(), nullable=False),
+        sa.Column("month_entry_id", sa.Integer(), nullable=False),
+        sa.Column("occurred_on", sa.Date(), nullable=False),
+        sa.Column("amount", sa.Numeric(precision=10, scale=2), nullable=False),
+        sa.Column("description", sa.String(length=256), nullable=True),
+        sa.Column("payee", sa.String(length=128), nullable=True),
+        sa.Column(
+            "created_at",
+            sa.DateTime(timezone=True),
+            server_default=sa.text("(CURRENT_TIMESTAMP)"),
+            nullable=False,
+        ),
+        sa.Column(
+            "updated_at",
+            sa.DateTime(timezone=True),
+            server_default=sa.text("(CURRENT_TIMESTAMP)"),
+            nullable=False,
+        ),
+        sa.ForeignKeyConstraint(
+            ["month_entry_id"], ["month_entry.id"], ondelete="CASCADE"
+        ),
+        sa.PrimaryKeyConstraint("id"),
+    )
+    with op.batch_alter_table("posting", schema=None) as batch_op:
+        batch_op.create_index(
+            batch_op.f("ix_posting_month_entry_id"),
+            ["month_entry_id"],
+            unique=False,
+        )
+
+    # 2. Seed opening-balance postings from the existing month_entry.applied
+    conn = op.get_bind()
+    rows = conn.execute(
+        sa.text(
+            "SELECT me.id, me.applied, m.activated_at, m.created_at "
+            "FROM month_entry me JOIN month m ON m.id = me.month_id "
+            "WHERE me.applied IS NOT NULL AND me.applied != 0"
+        )
+    ).fetchall()
+    now = datetime.now(timezone.utc).replace(tzinfo=None)
+    for row in rows:
+        me_id, applied, activated_at, created_at = row
+        occurred = activated_at or created_at
+        # Truncate the timestamp to a date for the DATE column
+        if hasattr(occurred, "date"):
+            occurred = occurred.date()
+        if isinstance(occurred, str):
+            # SQLite may give back an ISO string; take the date portion
+            occurred = occurred[:10]
+        conn.execute(
+            sa.text(
+                "INSERT INTO posting "
+                "(month_entry_id, occurred_on, amount, description, created_at, updated_at) "
+                "VALUES (:me_id, :occurred, :amount, :desc, :now, :now)"
+            ),
+            {
+                "me_id": me_id,
+                "occurred": occurred,
+                "amount": applied,
+                "desc": "opening balance",
+                "now": now,
+            },
+        )
+
+    # 3. Drop the applied column from month_entry
+    with op.batch_alter_table("month_entry", schema=None) as batch_op:
+        batch_op.drop_column("applied")
+
+
+def downgrade() -> None:
+    # Add the applied column back with a default of 0.00 for NOT NULL
+    with op.batch_alter_table("month_entry", schema=None) as batch_op:
+        batch_op.add_column(
+            sa.Column(
+                "applied",
+                sa.NUMERIC(precision=10, scale=2),
+                server_default=sa.text("'0.00'"),
+                nullable=False,
+            )
+        )
+
+    # Restore applied as SUM of postings
+    conn = op.get_bind()
+    conn.execute(
+        sa.text(
+            "UPDATE month_entry SET applied = ("
+            "SELECT COALESCE(SUM(amount), 0) FROM posting "
+            "WHERE posting.month_entry_id = month_entry.id"
+            ")"
+        )
+    )
+
+    with op.batch_alter_table("posting", schema=None) as batch_op:
+        batch_op.drop_index(batch_op.f("ix_posting_month_entry_id"))
+    op.drop_table("posting")
diff --git a/src/quartermaster/models.py b/src/quartermaster/models.py
index 6d8f25a..8c44d8f 100644
--- a/src/quartermaster/models.py
+++ b/src/quartermaster/models.py
@@ -1,11 +1,12 @@
 from __future__ import annotations
 
 import enum
-from datetime import datetime
+from datetime import date, datetime
 from decimal import Decimal
 
 from sqlalchemy import (
     CheckConstraint,
+    Date,
     DateTime,
     Enum,
     ForeignKey,
@@ -132,10 +133,6 @@ class MonthEntry(Base):
     )
     name: Mapped[str] = mapped_column(String(128), nullable=False)
     planned: Mapped[Decimal] = mapped_column(Numeric(10, 2), nullable=False)
-    applied: Mapped[Decimal] = mapped_column(
-        Numeric(10, 2), nullable=False, default=Decimal("0.00"),
-        server_default="0.00",
-    )
     notes: Mapped[str | None] = mapped_column(String(1024), nullable=True)
     origin_name: Mapped[str | None] = mapped_column(String(128), nullable=True)
     origin_planned: Mapped[Decimal | None] = mapped_column(
@@ -155,6 +152,18 @@ class MonthEntry(Base):
     )
 
     month: Mapped[Month] = relationship(back_populates="entries")
+    postings: Mapped[list["Posting"]] = relationship(
+        back_populates="entry",
+        cascade="all, delete-orphan",
+        order_by="Posting.occurred_on.desc(), Posting.id.desc()",
+        lazy="selectin",
+    )
+
+    @property
+    def applied(self) -> Decimal:
+        return sum((p.amount for p in self.postings), Decimal("0")).quantize(
+            Decimal("0.01")
+        )
 
 
 class MonthDebtTarget(Base):
@@ -177,3 +186,29 @@ class MonthDebtTarget(Base):
 
     month: Mapped[Month] = relationship(back_populates="target")
     entry: Mapped[MonthEntry | None] = relationship(MonthEntry, lazy="joined")
+
+
+class Posting(Base):
+    __tablename__ = "posting"
+
+    id: Mapped[int] = mapped_column(primary_key=True)
+    month_entry_id: Mapped[int] = mapped_column(
+        ForeignKey("month_entry.id", ondelete="CASCADE"),
+        nullable=False,
+        index=True,
+    )
+    occurred_on: Mapped[date] = mapped_column(Date, nullable=False)
+    amount: Mapped[Decimal] = mapped_column(Numeric(10, 2), nullable=False)
+    description: Mapped[str | None] = mapped_column(String(256), nullable=True)
+    payee: Mapped[str | None] = mapped_column(String(128), nullable=True)
+    created_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), nullable=False
+    )
+    updated_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True),
+        server_default=func.now(),
+        onupdate=func.now(),
+        nullable=False,
+    )
+
+    entry: Mapped[MonthEntry] = relationship(back_populates="postings")
diff --git a/src/quartermaster/month_service.py b/src/quartermaster/month_service.py
index 097adb1..9498345 100644
--- a/src/quartermaster/month_service.py
+++ b/src/quartermaster/month_service.py
@@ -3,7 +3,7 @@ from __future__ import annotations
 import re
 from dataclasses import dataclass
 from datetime import date, datetime, timezone
-from decimal import Decimal
+from decimal import Decimal, InvalidOperation
 from enum import Enum
 
 from sqlalchemy import select
@@ -24,6 +24,7 @@ from quartermaster.models import (
     MonthDebtTarget,
     MonthEntry,
     MonthState,
+    Posting,
     Section,
 )
 
@@ -125,7 +126,6 @@ def create_month(db: Session, year_month: str) -> Month:
             section=e.section,
             name=e.name,
             planned=e.amount,
-            applied=Decimal("0.00"),
             notes=e.notes,
             origin_name=e.name,
             origin_planned=e.amount,
@@ -238,7 +238,6 @@ def add_month_entry(
         section=section,
         name=name.strip(),
         planned=planned,
-        applied=Decimal("0.00"),
         notes=_clean_notes(notes),
         origin_name=None,
         origin_planned=None,
@@ -277,7 +276,6 @@ def update_month_entry(
     *,
     name: str | None = None,
     planned: Decimal | None = None,
-    applied: Decimal | None = None,
     notes: str | None | object = _NOTES_SENTINEL,
 ) -> MonthEntry | None:
     entry = get_month_entry(db, month, entry_id)
@@ -287,8 +285,6 @@ def update_month_entry(
         entry.name = name.strip()
     if planned is not None:
         entry.planned = planned
-    if applied is not None:
-        entry.applied = applied
     if notes is not _NOTES_SENTINEL:
         entry.notes = _clean_notes(notes)  # type: ignore[arg-type]
     db.commit()
@@ -296,6 +292,85 @@ def update_month_entry(
     return entry
 
 
+def add_posting(
+    db: Session,
+    month: Month,
+    entry_id: int,
+    occurred_on: date,
+    amount: Decimal,
+    description: str | None = None,
+    payee: str | None = None,
+) -> Posting | None:
+    entry = get_month_entry(db, month, entry_id)
+    if entry is None:
+        return None
+    posting = Posting(
+        month_entry_id=entry.id,
+        occurred_on=occurred_on,
+        amount=amount,
+        description=_clean_notes(description),
+        payee=_clean_notes(payee),
+    )
+    db.add(posting)
+    db.commit()
+    db.refresh(posting)
+    return posting
+
+
+def get_posting(
+    db: Session, month: Month, posting_id: int
+) -> Posting | None:
+    posting = db.get(Posting, posting_id)
+    if posting is None:
+        return None
+    # Ensure posting belongs to this month via its entry
+    if posting.entry is None or posting.entry.month_id != month.id:
+        return None
+    return posting
+
+
+_POSTING_SENTINEL = object()
+
+
+def update_posting(
+    db: Session,
+    month: Month,
+    posting_id: int,
+    *,
+    occurred_on: date | None = None,
+    amount: Decimal | None = None,
+    description: str | None | object = _POSTING_SENTINEL,
+    payee: str | None | object = _POSTING_SENTINEL,
+) -> Posting | None:
+    posting = get_posting(db, month, posting_id)
+    if posting is None:
+        return None
+    if occurred_on is not None:
+        posting.occurred_on = occurred_on
+    if amount is not None:
+        posting.amount = amount
+    if description is not _POSTING_SENTINEL:
+        posting.description = _clean_notes(description)  # type: ignore[arg-type]
+    if payee is not _POSTING_SENTINEL:
+        posting.payee = _clean_notes(payee)  # type: ignore[arg-type]
+    db.commit()
+    db.refresh(posting)
+    return posting
+
+
+def delete_posting(
+    db: Session, month: Month, posting_id: int
+) -> MonthEntry | None:
+    """Delete a posting; return the parent entry so callers can re-render its section."""
+    posting = get_posting(db, month, posting_id)
+    if posting is None:
+        return None
+    entry = posting.entry
+    db.delete(posting)
+    db.commit()
+    return entry
+
+
 def get_month_target(db: Session, month: Month) -> MonthDebtTarget:
     if month.target is not None:
         return month.target
diff --git a/src/quartermaster/routes_month.py b/src/quartermaster/routes_month.py
index e64fc75..8ff228b 100644
--- a/src/quartermaster/routes_month.py
+++ b/src/quartermaster/routes_month.py
@@ -1,5 +1,6 @@
 from __future__ import annotations
 
+from datetime import date
 from decimal import Decimal, InvalidOperation
 
 from fastapi import APIRouter, Depends, Form, HTTPException, Request
@@ -242,7 +243,6 @@ def update_month_entry(
     request: Request,
     name: str | None = Form(None),
     planned: str | None = Form(None),
-    applied: str | None = Form(None),
     notes: str | None = Form(None),
     db: Session = Depends(get_session),
 ) -> HTMLResponse:
@@ -253,11 +253,9 @@ def update_month_entry(
         if not clean_name:
             raise HTTPException(status_code=400, detail="name must not be empty")
     parsed_planned = _parse_amount(planned) if planned is not None else None
-    parsed_applied = _parse_amount(applied) if applied is not None else None
     kwargs: dict = dict(
         name=clean_name,
         planned=parsed_planned,
-        applied=parsed_applied,
     )
     if notes is not None:
         kwargs["notes"] = notes
@@ -320,6 +318,109 @@ def reopen_month(
     )
 
 
+def _parse_date(raw: str) -> date:
+    try:
+        return date.fromisoformat(raw.strip())
+    except (ValueError, AttributeError) as exc:
+        raise HTTPException(
+            status_code=400, detail="date must be YYYY-MM-DD"
+        ) from exc
+
+
+def _parse_signed_amount(raw: str) -> Decimal:
+    try:
+        amount = Decimal(raw.strip())
+    except (InvalidOperation, AttributeError) as exc:
+        raise HTTPException(
+            status_code=400, detail="amount must be numeric"
+        ) from exc
+    return amount.quantize(Decimal("0.01"))
+
+
+@router.post("/entries/{entry_id}/postings", response_class=HTMLResponse)
+def create_posting(
+    year_month: str,
+    entry_id: int,
+    request: Request,
+    occurred_on: str = Form(...),
+    amount: str = Form(...),
+    description: str | None = Form(None),
+    payee: str | None = Form(None),
+    db: Session = Depends(get_session),
+) -> HTMLResponse:
+    month = _require_editable_month(db, year_month)
+    posting = month_service.add_posting(
+        db,
+        month,
+        entry_id,
+        _parse_date(occurred_on),
+        _parse_signed_amount(amount),
+        description=description,
+        payee=payee,
+    )
+    if posting is None:
+        raise HTTPException(status_code=404, detail="entry not found")
+    db.refresh(month)
+    entry = month_service.get_month_entry(db, month, entry_id)
+    return _append_oob(
+        _render_section(request, month, entry.section),
+        _render_zero(request, month),
+        _render_group_totals(request, month),
+    )
+
+
+@router.post("/postings/{posting_id}", response_class=HTMLResponse)
+def update_posting(
+    year_month: str,
+    posting_id: int,
+    request: Request,
+    occurred_on: str | None = Form(None),
+    amount: str | None = Form(None),
+    description: str | None = Form(None),
+    payee: str | None = Form(None),
+    db: Session = Depends(get_session),
+) -> HTMLResponse:
+    month = _require_editable_month(db, year_month)
+    kwargs: dict = {}
+    if occurred_on is not None:
+        kwargs["occurred_on"] = _parse_date(occurred_on)
+    if amount is not None:
+        kwargs["amount"] = _parse_signed_amount(amount)
+    if description is not None:
+        kwargs["description"] = description
+    if payee is not None:
+        kwargs["payee"] = payee
+    updated = month_service.update_posting(db, month, posting_id, **kwargs)
+    if updated is None:
+        raise HTTPException(status_code=404, detail="posting not found")
+    db.refresh(month)
+    entry = updated.entry
+    return _append_oob(
+        _render_section(request, month, entry.section),
+        _render_zero(request, month),
+        _render_group_totals(request, month),
+    )
+
+
+@router.delete("/postings/{posting_id}", response_class=HTMLResponse)
+def delete_posting(
+    year_month: str,
+    posting_id: int,
+    request: Request,
+    db: Session = Depends(get_session),
+) -> HTMLResponse:
+    month = _require_editable_month(db, year_month)
+    entry = month_service.delete_posting(db, month, posting_id)
+    if entry is None:
+        raise HTTPException(status_code=404, detail="posting not found")
+    db.refresh(month)
+    return _append_oob(
+        _render_section(request, month, entry.section),
+        _render_zero(request, month),
+        _render_group_totals(request, month),
+    )
+
+
 @router.post("/target", response_class=HTMLResponse)
 def update_month_target(
     year_month: str,
diff --git a/src/quartermaster/static/app.css b/src/quartermaster/static/app.css
index 2574f91..328bbfe 100644
--- a/src/quartermaster/static/app.css
+++ b/src/quartermaster/static/app.css
@@ -421,6 +421,40 @@ tr.add-row td {
   display: block;
 }
 
+/* Add-entry disclosure: collapsed trigger, expanded form */
+details.add-entry { margin: 0; }
+details.add-entry > summary {
+  list-style: none;
+  cursor: pointer;
+  user-select: none;
+  display: inline-block;
+  padding: 0.1rem 0.25rem;
+}
+details.add-entry > summary::-webkit-details-marker { display: none; }
+details.add-entry .add-trigger {
+  font-family: var(--sans);
+  font-size: 0.78rem;
+  font-weight: 500;
+  color: var(--muted);
+  letter-spacing: 0.18em;
+  text-transform: uppercase;
+  border-bottom: 1px dashed transparent;
+  padding-bottom: 1px;
+  transition: color 0.12s ease, border-color 0.12s ease;
+}
+details.add-entry > summary:hover .add-trigger {
+  color: var(--ink);
+  border-bottom-color: var(--rule);
+}
+details.add-entry[open] > summary .add-trigger {
+  color: var(--ink);
+  border-bottom-color: var(--ink);
+}
+details.add-entry > .add-form,
+details.add-entry > .month-add-form {
+  margin-top: 0.45rem;
+}
+
 .entry-name {
   font-family: var(--sans);
   font-weight: 500;
@@ -523,11 +557,10 @@ tr.entry-notes-row input.notes-input::placeholder {
   color: var(--rule);
   font-style: italic;
 }
-tr.entry-notes-row:has(input:placeholder-shown) { display: none; }
-tr.entry:hover + tr.entry-notes-row:has(input:placeholder-shown) {
-  display: block;
-  opacity: 0.5;
-}
+/* Empty notes render subtly (placeholder only) so they stay clickable. */
+tr.entry-notes-row:has(input:placeholder-shown) { opacity: 0.55; }
+tr.entry-notes-row:hover,
+tr.entry-notes-row:has(input:focus) { opacity: 1; }
 
 .tag {
   font-family: var(--sans);
@@ -675,6 +708,300 @@ tr.entry:hover + tr.entry-notes-row:has(input:placeholder-shown) {
   padding: 0.15rem 0.4rem;
 }
 
+/* =============== MONTH ENTRIES — details-based layout =============== */
+
+.month-entries {
+  display: flex;
+  flex-direction: column;
+}
+
+.entry-block {
+  border-bottom: 1px dotted var(--rule);
+  margin: 0;
+}
+
+.entry-block > summary {
+  list-style: none;
+  cursor: pointer;
+  user-select: none;
+  display: grid;
+  grid-template-columns: 0.9rem minmax(0, 1fr) 5.5rem 9rem 1.2rem;
+  gap: 0.6rem;
+  align-items: baseline;
+  padding: 0.32rem 0.25rem 0.36rem;
+  position: relative;
+}
+.entry-block > summary::-webkit-details-marker { display: none; }
+.entry-block > summary:hover { background: var(--paper-stripe); }
+
+/* Progress bar on the summary row */
+.entry-block > summary::after {
+  content: "";
+  position: absolute;
+  left: 0; right: 0; bottom: -1px;
+  height: 2px;
+  background: var(--sage-soft);
+  width: min(100%, calc(var(--ratio, 1) * 100%));
+  transition: width 0.25s ease;
+  opacity: 0.7;
+}
+.entry-block > summary.state-edited::after { background: var(--accent); opacity: 0.85; }
+.entry-block > summary.state-new_in_month::after { background: var(--indigo); opacity: 0.55; }
+
+/* Caret: rotates on [open] */
+.entry-block .caret {
+  display: inline-block;
+  width: 0.7rem;
+  position: relative;
+  transform: rotate(0deg);
+  transition: transform 0.15s ease;
+  align-self: center;
+}
+.entry-block .caret::before {
+  content: "▸";
+  font-size: 0.7rem;
+  color: var(--muted);
+  display: inline-block;
+  line-height: 1;
+}
+.entry-block[open] > summary .caret { transform: rotate(90deg); }
+
+/* Entry row cells */
+.entry-block .entry-name {
+  font-weight: 500;
+  font-size: 1rem;
+  min-width: 0;
+  overflow: hidden;
+}
+.entry-block .entry-name input,
+.entry-block .entry-amount input {
+  font: inherit;
+  color: inherit;
+  background: transparent;
+  border: none;
+  border-bottom: 1px solid transparent;
+  padding: 0;
+  width: 100%;
+  outline: none;
+  transition: border-color 0.12s;
+}
+.entry-block .entry-name input:hover,
+.entry-block .entry-amount input:hover { border-bottom-color: var(--rule); }
+.entry-block .entry-name input:focus,
+.entry-block .entry-amount input:focus { border-bottom-color: var(--ink); }
+
+.entry-block .entry-amount {
+  font-weight: 500;
+  font-size: 1rem;
+  text-align: right;
+  font-feature-settings: "lnum" 1, "tnum" 1;
+  min-width: 0;
+}
+.entry-block .entry-amount input {
+  text-align: right;
+  font-variant-numeric: tabular-nums;
+}
+.entry-block .entry-amount.planned input { color: var(--muted); font-weight: 400; }
+
+.entry-block .applied-cell {
+  display: flex;
+  justify-content: flex-end;
+  align-items: baseline;
+  gap: 0.35rem;
+  white-space: nowrap;
+  flex-wrap: nowrap;
+}
+.entry-block .applied-cell .value {
+  font-weight: 500;
+  white-space: nowrap;
+}
+.entry-block .applied-cell .count {
+  font-family: var(--sans);
+  font-size: 0.66rem;
+  letter-spacing: 0.14em;
+  text-transform: lowercase;
+  color: var(--muted);
+  white-space: nowrap;
+}
+
+.entry-block .entry-actions button.delete {
+  font-size: 1.1rem;
+  line-height: 1;
+  color: var(--rule);
+  background: none;
+  border: none;
+  cursor: pointer;
+  padding: 0;
+  opacity: 0;
+  transition: color 0.12s ease, opacity 0.12s ease;
+  align-self: center;
+}
+.entry-block > summary:hover .entry-actions button.delete { opacity: 1; }
+.entry-block .entry-actions button.delete:hover { color: var(--accent); }
+
+/* Expanded body */
+.entry-block .entry-body {
+  padding: 0.5rem 1.6rem 0.75rem;
+  background: var(--paper-soft);
+  border-top: 1px solid var(--rule-soft);
+}
+
+.entry-block .entry-notes {
+  margin-bottom: 0.5rem;
+}
+.entry-block .entry-notes input {
+  font-family: var(--sans);
+  font-style: italic;
+  font-size: 0.85rem;
+  color: var(--ink);
+  width: 100%;
+  background: transparent;
+  border: none;
+  border-bottom: 1px dashed var(--rule);
+  padding: 0.15rem 0;
+  outline: none;
+}
+.entry-block .entry-notes input:focus { border-bottom-color: var(--ink); }
+.entry-block .entry-notes.readonly {
+  font-family: var(--sans);
+  font-style: italic;
+  font-size: 0.85rem;
+  color: var(--muted);
+}
+
+/* Transactions table */
+table.transactions {
+  width: 100%;
+  border-collapse: collapse;
+  font-family: var(--sans);
+  font-size: 0.88rem;
+  margin-bottom: 0.4rem;
+}
+table.transactions thead th {
+  text-align: left;
+  font-weight: 600;
+  font-size: 0.66rem;
+  letter-spacing: 0.22em;
+  text-transform: uppercase;
+  color: var(--muted);
+  padding: 0.2rem 0.3rem 0.25rem;
+  border-bottom: 1px solid var(--rule);
+}
+table.transactions th.col-amount,
+table.transactions td.col-amount { text-align: right; width: 5.5rem; }
+table.transactions th.col-date,
+table.transactions td.col-date { width: 7.5rem; }
+table.transactions th.col-actions,
+table.transactions td.col-actions { width: 1.2rem; }
+
+table.transactions td {
+  padding: 0.2rem 0.3rem;
+  border-bottom: 1px dotted var(--rule-soft);
+}
+table.transactions tr.posting:hover { background: var(--paper); }
+table.transactions input {
+  font: inherit;
+  color: inherit;
+  background: transparent;
+  border: none;
+  border-bottom: 1px solid transparent;
+  padding: 0;
+  width: 100%;
+  outline: none;
+  transition: border-color 0.12s;
+}
+table.transactions input:hover { border-bottom-color: var(--rule); }
+table.transactions input:focus { border-bottom-color: var(--ink); }
+table.transactions input[type="number"] {
+  text-align: right;
+  font-variant-numeric: tabular-nums;
+}
+table.transactions input[type="date"] {
+  font-family: var(--sans);
+  color: var(--muted);
+}
+table.transactions tr.empty td {
+  color: var(--muted);
+  font-style: italic;
+  text-align: center;
+  padding: 0.5rem;
+}
+
+table.transactions td .readonly {
+  color: var(--ink);
+}
+
+table.transactions button.delete {
+  font-size: 1rem;
+  color: var(--rule);
+  background: none;
+  border: none;
+  cursor: pointer;
+  padding: 0;
+  opacity: 0;
+  transition: color 0.12s ease, opacity 0.12s ease;
+}
+table.transactions tr:hover button.delete { opacity: 1; }
+table.transactions button.delete:hover { color: var(--accent); }
+
+/* Add-posting form */
+form.add-posting-form {
+  display: grid;
+  grid-template-columns: 7.5rem minmax(0, 1fr) minmax(0, 1fr) 5.5rem auto;
+  gap: 0.4rem;
+  align-items: center;
+  padding: 0.35rem 0.3rem 0.2rem;
+  border-top: 1px dashed var(--rule);
+}
+form.add-posting-form input {
+  font: inherit;
+  font-size: 0.88rem;
+  padding: 0.2rem 0.4rem;
+  border: 1px solid var(--rule);
+  background: var(--paper);
+  color: var(--ink);
+  outline: none;
+  transition: border-color 0.12s;
+}
+form.add-posting-form input[type="number"] { text-align: right; font-variant-numeric: tabular-nums; }
+form.add-posting-form input:focus { border-color: var(--ink); }
+form.add-posting-form button[type="submit"] {
+  font-family: var(--sans);
+  font-weight: 600;
+  font-size: 0.72rem;
+  padding: 0.25rem 0.75rem;
+  border: 1px solid var(--ink);
+  background: var(--paper-soft);
+  color: var(--ink);
+  letter-spacing: 0.12em;
+  text-transform: uppercase;
+  cursor: pointer;
+  transition: background 0.12s ease, color 0.12s ease;
+}
+form.add-posting-form button[type="submit"]:hover { background: var(--ink); color: var(--paper); }
+
+.empty-row {
+  padding: 0.5rem 0.5rem;
+  color: var(--muted);
+  font-style: italic;
+  font-size: 0.9rem;
+}
+
+@media (max-width: 640px) {
+  .entry-block > summary {
+    grid-template-columns: 0.9rem minmax(0, 1fr) 4.2rem 7rem 1rem;
+    gap: 0.4rem;
+  }
+  .entry-block .entry-body { padding: 0.5rem 0.75rem 0.6rem; }
+  .entry-block .applied-cell .count { font-size: 0.58rem; letter-spacing: 0.1em; }
+  form.add-posting-form {
+    grid-template-columns: 1fr 1fr;
+  }
+  form.add-posting-form input[type="date"],
+  form.add-posting-form input[type="number"],
+  form.add-posting-form button[type="submit"] { grid-column: 1 / -1; }
+}
+
 /* Disabled inputs (closed month) */
 input[disabled],
 select[disabled],
diff --git a/src/quartermaster/templates/partials/month_section.html b/src/quartermaster/templates/partials/month_section.html
index 8868b2c..4f1b3f0 100644
--- a/src/quartermaster/templates/partials/month_section.html
+++ b/src/quartermaster/templates/partials/month_section.html
@@ -2,68 +2,61 @@
   <div class="section-header">
     <h2>{{ section.label }}</h2>
     <span class="total" data-testid="total-{{ section.section.value }}">
-      <span class="applied">${{ '%.2f' | format(section.total_applied) }}</span>
+      <span class="applied">${{ '{:,.2f}'.format(section.total_applied) }}</span>
       <span class="divider">/</span>
-      <span class="planned">${{ '%.2f' | format(section.total_planned) }}</span>
+      <span class="planned">${{ '{:,.2f}'.format(section.total_planned) }}</span>
     </span>
   </div>
-  <table class="entries month-entries">
-    <thead>
-      <tr>
-        <th class="col-name">Name</th>
-        <th class="col-planned">Planned</th>
-        <th class="col-applied">Applied</th>
-        <th class="col-actions"></th>
-      </tr>
-    </thead>
-    <tbody>
-      {% for row in section.rows %}
-        <tr class="entry state-{{ row.state.value }}" data-entry-id="{{ row.entry.id }}">
-          <td class="entry-name">
-            <input
-              type="text"
-              name="name"
-              value="{{ row.entry.name }}"
-              {% if editable %}
+  <div class="entries month-entries">
+    {% for row in section.rows %}
+      {% set applied = row.entry.applied %}
+      <details class="entry-block" data-entry-id="{{ row.entry.id }}">
+        <summary class="entry-row state-{{ row.state.value }}" style="--ratio: {{ (applied / row.entry.planned)|round(4) if row.entry.planned > 0 else 0 }}">
+          <span class="caret" aria-hidden="true"></span>
+          <span class="entry-name">
+            {% if editable %}
+              <input
+                type="text"
+                name="name"
+                value="{{ row.entry.name }}"
                 hx-post="/month/{{ month.year_month }}/entries/{{ row.entry.id }}"
                 hx-trigger="change"
                 hx-target="#section-{{ section.section.value }}"
                 hx-swap="outerHTML"
-              {% else %}disabled{% endif %}
-            >
+                aria-label="Name"
+              >
+            {% else %}
+              <span class="readonly">{{ row.entry.name }}</span>
+            {% endif %}
             {% if row.state.value == 'edited' %}
               <span class="tag tag-edited">modified</span>
             {% elif row.state.value == 'new_in_month' %}
               <span class="tag tag-new">new this month</span>
             {% endif %}
-          </td>
-          <td class="entry-amount">
-            <input
-              type="number" step="0.01" min="0"
-              name="planned"
-              value="{{ '%.2f' | format(row.entry.planned) }}"
-              {% if editable %}
+          </span>
+          <span class="entry-amount planned">
+            {% if editable %}
+              <input
+                type="number" step="0.01" min="0"
+                name="planned"
+                value="{{ '%.2f' | format(row.entry.planned) }}"
                 hx-post="/month/{{ month.year_month }}/entries/{{ row.entry.id }}"
                 hx-trigger="change"
                 hx-target="#section-{{ section.section.value }}"
                 hx-swap="outerHTML"
-              {% else %}disabled{% endif %}
-            >
-          </td>
-          <td class="entry-amount">
-            <input
-              type="number" step="0.01" min="0"
-              name="applied"
-              value="{{ '%.2f' | format(row.entry.applied) }}"
-              {% if editable %}
-                hx-post="/month/{{ month.year_month }}/entries/{{ row.entry.id }}"
-                hx-trigger="change"
-                hx-target="#section-{{ section.section.value }}"
-                hx-swap="outerHTML"
-              {% else %}disabled{% endif %}
-            >
-          </td>
-          <td class="entry-actions">
+                aria-label="Planned"
+              >
+            {% else %}
+              <span class="readonly">${{ '{:,.2f}'.format(row.entry.planned) }}</span>
+            {% endif %}
+          </span>
+          <span class="entry-amount applied-cell" aria-label="Applied">
+            <span class="value">${{ '{:,.2f}'.format(applied) }}</span>
+            {% if row.entry.postings|length > 0 %}
+              <span class="count">· {{ row.entry.postings|length }} txn{% if row.entry.postings|length != 1 %}s{% endif %}</span>
+            {% endif %}
+          </span>
+          <span class="entry-actions">
             {% if editable %}
               <button
                 class="delete"
@@ -74,47 +67,158 @@
                 aria-label="Delete {{ row.entry.name }}"
               >&times;</button>
             {% endif %}
-          </td>
-        </tr>
-        <tr class="entry-notes-row">
-          <td colspan="4">
-            <input
-              class="notes-input"
-              type="text"
-              name="notes"
-              value="{{ row.entry.notes or '' }}"
-              placeholder="notes..."
-              {% if editable %}
+          </span>
+        </summary>
+        <div class="entry-body">
+          {% if editable %}
+            <div class="entry-notes">
+              <input
+                class="notes-input"
+                type="text"
+                name="notes"
+                value="{{ row.entry.notes or '' }}"
+                placeholder="notes for this entry..."
                 hx-post="/month/{{ month.year_month }}/entries/{{ row.entry.id }}"
                 hx-trigger="change"
                 hx-target="#section-{{ section.section.value }}"
                 hx-swap="outerHTML"
-                aria-label="Notes for {{ row.entry.name }}"
-              {% else %}disabled{% endif %}
-            >
-          </td>
-        </tr>
-      {% else %}
-        <tr class="empty"><td colspan="4">No entries.</td></tr>
-      {% endfor %}
-      {% if editable %}
-        <tr class="add-row">
-          <td colspan="4">
+                aria-label="Notes"
+              >
+            </div>
+          {% elif row.entry.notes %}
+            <div class="entry-notes readonly">{{ row.entry.notes }}</div>
+          {% endif %}
+          <table class="transactions">
+            <thead>
+              <tr>
+                <th class="col-date">Date</th>
+                <th class="col-desc">Description</th>
+                <th class="col-payee">Payee</th>
+                <th class="col-amount">Amount</th>
+                <th class="col-actions"></th>
+              </tr>
+            </thead>
+            <tbody>
+              {% for posting in row.entry.postings %}
+                <tr class="posting" data-posting-id="{{ posting.id }}">
+                  <td class="col-date">
+                    {% if editable %}
+                      <input
+                        type="date" name="occurred_on"
+                        value="{{ posting.occurred_on.isoformat() }}"
+                        hx-post="/month/{{ month.year_month }}/postings/{{ posting.id }}"
+                        hx-trigger="change"
+                        hx-target="#section-{{ section.section.value }}"
+                        hx-swap="outerHTML"
+                        aria-label="Date"
+                      >
+                    {% else %}
+                      <span class="readonly">{{ posting.occurred_on.isoformat() }}</span>
+                    {% endif %}
+                  </td>
+                  <td class="col-desc">
+                    {% if editable %}
+                      <input
+                        type="text" name="description"
+                        value="{{ posting.description or '' }}"
+                        placeholder="description"
+                        hx-post="/month/{{ month.year_month }}/postings/{{ posting.id }}"
+                        hx-trigger="change"
+                        hx-target="#section-{{ section.section.value }}"
+                        hx-swap="outerHTML"
+                        aria-label="Description"
+                      >
+                    {% else %}
+                      <span class="readonly">{{ posting.description or '' }}</span>
+                    {% endif %}
+                  </td>
+                  <td class="col-payee">
+                    {% if editable %}
+                      <input
+                        type="text" name="payee"
+                        value="{{ posting.payee or '' }}"
+                        placeholder="payee"
+                        hx-post="/month/{{ month.year_month }}/postings/{{ posting.id }}"
+                        hx-trigger="change"
+                        hx-target="#section-{{ section.section.value }}"
+                        hx-swap="outerHTML"
+                        aria-label="Payee"
+                      >
+                    {% else %}
+                      <span class="readonly">{{ posting.payee or '' }}</span>
+                    {% endif %}
+                  </td>
+                  <td class="col-amount">
+                    {% if editable %}
+                      <input
+                        type="number" step="0.01" name="amount"
+                        value="{{ '%.2f' | format(posting.amount) }}"
+                        hx-post="/month/{{ month.year_month }}/postings/{{ posting.id }}"
+                        hx-trigger="change"
+                        hx-target="#section-{{ section.section.value }}"
+                        hx-swap="outerHTML"
+                        aria-label="Amount"
+                      >
+                    {% else %}
+                      <span class="readonly">${{ '{:,.2f}'.format(posting.amount) }}</span>
+                    {% endif %}
+                  </td>
+                  <td class="col-actions">
+                    {% if editable %}
+                      <button
+                        class="delete"
+                        type="button"
+                        hx-delete="/month/{{ month.year_month }}/postings/{{ posting.id }}"
+                        hx-target="#section-{{ section.section.value }}"
+                        hx-swap="outerHTML"
+                        aria-label="Delete transaction"
+                      >&times;</button>
+                    {% endif %}
+                  </td>
+                </tr>
+              {% else %}
+                <tr class="empty"><td colspan="5">No transactions yet.</td></tr>
+              {% endfor %}
+            </tbody>
+          </table>
+          {% if editable %}
             <form
-              class="add-form month-add-form"
-              hx-post="/month/{{ month.year_month }}/sections/{{ section.section.value }}/entries"
+              class="add-posting-form"
+              hx-post="/month/{{ month.year_month }}/entries/{{ row.entry.id }}/postings"
               hx-target="#section-{{ section.section.value }}"
               hx-swap="outerHTML"
               hx-on::after-request="if(event.detail.successful) this.reset()"
             >
-              <input type="text" name="name" placeholder="Name" required>
-              <input type="number" name="planned" step="0.01" min="0" placeholder="Planned" required>
-              <button type="submit">Add</button>
-              <input class="notes-input add-notes" type="text" name="notes" placeholder="notes (optional)">
+              <input type="date" name="occurred_on" required value="{{ month.year_month }}-01" aria-label="Date">
+              <input type="text" name="description" placeholder="description" aria-label="Description">
+              <input type="text" name="payee" placeholder="payee" aria-label="Payee">
+              <input type="number" step="0.01" name="amount" placeholder="0.00" required aria-label="Amount">
+              <button type="submit">Add transaction</button>
             </form>
-          </td>
-        </tr>
-      {% endif %}
-    </tbody>
-  </table>
+          {% endif %}
+        </div>
+      </details>
+    {% else %}
+      <div class="empty-row">No entries.</div>
+    {% endfor %}
+    {% if editable %}
+      <div class="add-row">
+        <details class="add-entry">
+          <summary><span class="add-trigger">+ add {{ section.label|lower }}</span></summary>
+          <form
+            class="add-form month-add-form"
+            hx-post="/month/{{ month.year_month }}/sections/{{ section.section.value }}/entries"
+            hx-target="#section-{{ section.section.value }}"
+            hx-swap="outerHTML"
+            hx-on::after-request="if(event.detail.successful) this.reset()"
+          >
+            <input type="text" name="name" placeholder="Name" required>
+            <input type="number" name="planned" step="0.01" min="0" placeholder="Planned" required>
+            <button type="submit">Add</button>
+            <input class="notes-input add-notes" type="text" name="notes" placeholder="notes (optional)">
+          </form>
+        </details>
+      </div>
+    {% endif %}
+  </div>
 </section>
diff --git a/src/quartermaster/templates/partials/section.html b/src/quartermaster/templates/partials/section.html
index f39fda4..1b45f7d 100644
--- a/src/quartermaster/templates/partials/section.html
+++ b/src/quartermaster/templates/partials/section.html
@@ -44,18 +44,21 @@
       {% endfor %}
       <tr class="add-row">
         <td colspan="4">
-          <form
-            class="add-form"
-            hx-post="/sections/{{ section.section.value }}/entries"
-            hx-target="#section-{{ section.section.value }}"
-            hx-swap="outerHTML"
-            hx-on::after-request="if(event.detail.successful) this.reset()"
-          >
-            <input type="text" name="name" placeholder="Name" required>
-            <input type="number" name="amount" step="0.01" min="0" placeholder="0.00" required>
-            <button type="submit">Add</button>
-            <input class="notes-input add-notes" type="text" name="notes" placeholder="notes (optional)">
-          </form>
+          <details class="add-entry">
+            <summary><span class="add-trigger">+ add {{ section.label|lower }}</span></summary>
+            <form
+              class="add-form"
+              hx-post="/sections/{{ section.section.value }}/entries"
+              hx-target="#section-{{ section.section.value }}"
+              hx-swap="outerHTML"
+              hx-on::after-request="if(event.detail.successful) this.reset()"
+            >
+              <input type="text" name="name" placeholder="Name" required>
+              <input type="number" name="amount" step="0.01" min="0" placeholder="0.00" required>
+              <button type="submit">Add</button>
+              <input class="notes-input add-notes" type="text" name="notes" placeholder="notes (optional)">
+            </form>
+          </details>
         </td>
       </tr>
     </tbody>
diff --git a/tests/test_groups.py b/tests/test_groups.py
index d877f7a..7bf06bf 100644
--- a/tests/test_groups.py
+++ b/tests/test_groups.py
@@ -1,5 +1,6 @@
 from __future__ import annotations
 
+from datetime import date
 from decimal import Decimal
 
 from quartermaster import month_service, service
@@ -65,10 +66,10 @@ def test_month_group_views_planned_and_applied(db):
     service.add_entry(db, Section.fixed_bill, "Rent", Decimal("1200.00"))
     service.add_entry(db, Section.sinking_fund, "Emergency", Decimal("300.00"))
     month = month_service.create_month(db, "2026-04")
-    # seed applied values
+    # seed applied values via a posting
     rent = next(e for e in month.entries if e.origin_name == "Rent")
-    month_service.update_month_entry(
-        db, month, rent.id, applied=Decimal("1200.00")
+    month_service.add_posting(
+        db, month, rent.id, date.today(), Decimal("1200.00"), description="test"
     )
     db.refresh(month)
     views = {v.group: v for v in month_service.month_group_views(month)}
diff --git a/tests/test_month_lifecycle.py b/tests/test_month_lifecycle.py
index f75ee66..24589c3 100644
--- a/tests/test_month_lifecycle.py
+++ b/tests/test_month_lifecycle.py
@@ -1,5 +1,6 @@
 from __future__ import annotations
 
+from datetime import date
 from decimal import Decimal
 
 import pytest
@@ -16,10 +17,10 @@ def _seed(db, balance_to_zero=False):
     service.add_entry(db, Section.other, "Misc", Decimal("60.00"))
     month = month_service.create_month(db, "2026-04")
     if balance_to_zero:
-        # Apply income fully and distribute applied to match planned exactly
+        # Post one transaction per entry matching the planned amount
         for entry in month.entries:
-            month_service.update_month_entry(
-                db, month, entry.id, applied=entry.planned
+            month_service.add_posting(
+                db, month, entry.id, date.today(), entry.planned, description="seed"
             )
         db.refresh(month)
     return month
@@ -61,8 +62,8 @@ def test_close_requires_zero_balance(db):
     # applied zero is 0 - 0 = 0, but income applied is 0 so
     # (0 income - 0 others) == 0 actually. Force a non-zero by applying to food.
     food = next(e for e in month.entries if e.origin_name == "Groceries")
-    month_service.update_month_entry(
-        db, month, food.id, applied=Decimal("50.00")
+    month_service.add_posting(
+        db, month, food.id, date.today(), Decimal("50.00"), description="seed"
     )
     db.refresh(month)
     with pytest.raises(month_service.MonthLifecycleError) as exc:
@@ -128,13 +129,16 @@ def _seed_via_api(client, balance_to_zero=False):
     if balance_to_zero:
         # entry ids 1,2,3 in that order
         client.post(
-            "/month/2026-04/entries/1", data={"applied": "1000.00"}
+            "/month/2026-04/entries/1/postings",
+            data={"occurred_on": "2026-04-01", "amount": "1000.00"},
         )
         client.post(
-            "/month/2026-04/entries/2", data={"applied": "600.00"}
+            "/month/2026-04/entries/2/postings",
+            data={"occurred_on": "2026-04-01", "amount": "600.00"},
         )
         client.post(
-            "/month/2026-04/entries/3", data={"applied": "400.00"}
+            "/month/2026-04/entries/3/postings",
+            data={"occurred_on": "2026-04-15", "amount": "400.00"},
         )
 
 
@@ -148,8 +152,11 @@ def test_activate_route(client):
 def test_close_route_rejects_unbalanced(client):
     _seed_via_api(client)
     client.post("/month/2026-04/activate")
-    # apply some expense without income to produce an unbalanced state
-    client.post("/month/2026-04/entries/2", data={"applied": "100.00"})
+    # post an expense without income to produce an unbalanced state
+    client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "100.00"},
+    )
     response = client.post("/month/2026-04/close")
     assert response.status_code == 400
     assert "0.00" in response.json()["detail"]
@@ -182,7 +189,8 @@ def test_mutations_rejected_on_closed_month(client):
     )
     assert add_response.status_code == 400
     update_response = client.post(
-        "/month/2026-04/entries/1", data={"applied": "1200.00"}
+        "/month/2026-04/entries/1/postings",
+        data={"occurred_on": "2026-04-15", "amount": "50.00"},
     )
     assert update_response.status_code == 400
     delete_response = client.delete("/month/2026-04/entries/1")
@@ -201,8 +209,11 @@ def test_month_page_shows_planning_badge_and_activate_button(client):
 def test_month_page_shows_active_badge_with_disabled_close_when_unbalanced(client):
     _seed_via_api(client)
     client.post("/month/2026-04/activate")
-    # force imbalance
-    client.post("/month/2026-04/entries/2", data={"applied": "100.00"})
+    # force imbalance via a posting
+    client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "100.00"},
+    )
     response = client.get("/month/2026-04")
     assert response.status_code == 200
     assert "state-active" in response.text
@@ -237,7 +248,10 @@ def test_closed_month_inputs_are_disabled(client):
     client.post("/month/2026-04/activate")
     client.post("/month/2026-04/close")
     response = client.get("/month/2026-04")
-    # name inputs rendered with disabled
-    assert "disabled" in response.text
+    # Editable inputs are replaced by readonly spans on closed months,
+    # so the name/planned inputs should not appear.
+    assert 'name="planned"' not in response.text
+    assert 'name="name"' not in response.text
+    assert "class=\"readonly\"" in response.text
     # delete buttons not rendered
     assert "Delete Paycheck" not in response.text
diff --git a/tests/test_month_routes.py b/tests/test_month_routes.py
index a9b176d..75fc06d 100644
--- a/tests/test_month_routes.py
+++ b/tests/test_month_routes.py
@@ -38,23 +38,24 @@ def test_created_month_renders_snapshot(client):
     assert "Paycheck" in response.text
     assert "Rent" in response.text
     assert "Card A" in response.text
-    # totals: applied / planned
-    assert "$2500.00" in response.text
-    assert "$1200.00" in response.text
+    # totals: applied / planned rendered with thousands separators
+    assert "$2,500.00" in response.text
+    assert "$1,200.00" in response.text
 
 
 def test_applied_update_returns_section_partial(client):
     _seed_budget_via_api(client)
     client.post("/month/2026-04/create")
-    # fetch month page, identify rent month_entry id = 2 (after income id 1)
+    # rent is month_entry id=2 (after income id=1). Post a transaction so
+    # applied accumulates to 1200.
     response = client.post(
-        "/month/2026-04/entries/2", data={"applied": "1200.00"}
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1200.00"},
     )
     assert response.status_code == 200
     # rent is in fixed_bill section; total_applied should now include 1200
     assert 'id="section-fixed_bill"' in response.text
-    # two $1200.00 occurrences: total_applied and planned (same amount)
-    assert response.text.count("$1200.00") >= 2
+    assert "$1,200.00" in response.text or "$1200.00" in response.text
 
 
 def test_name_edit_flips_to_modified(client):
diff --git a/tests/test_month_service.py b/tests/test_month_service.py
index 11a69e0..837e6f2 100644
--- a/tests/test_month_service.py
+++ b/tests/test_month_service.py
@@ -1,5 +1,6 @@
 from __future__ import annotations
 
+from datetime import date
 from decimal import Decimal
 
 import pytest
@@ -8,6 +9,13 @@ from quartermaster import month_service, service
 from quartermaster.models import Section
 
 
+def _apply(db, month, entry_id, amount):
+    """Record an applied amount against a month entry by posting."""
+    return month_service.add_posting(
+        db, month, entry_id, date.today(), Decimal(str(amount)), description="test"
+    )
+
+
 def _seed_budget(db):
     income = service.add_entry(db, Section.income, "Paycheck", Decimal("2500.00"))
     rent = service.add_entry(
@@ -96,9 +104,8 @@ def test_applied_update_changes_totals(db):
     _seed_budget(db)
     month = month_service.create_month(db, "2026-04")
     rent = next(e for e in month.entries if e.origin_name == "Rent")
-    month_service.update_month_entry(
-        db, month, rent.id, applied=Decimal("1200.00")
-    )
+    _apply(db, month, rent.id, "1200.00")
+    db.refresh(month)
     view = month_service.section_view(month, Section.fixed_bill, "Fixed")
     assert view.total_applied == Decimal("1200.00")
     assert view.total_planned == Decimal("1200.00")
diff --git a/tests/test_notes.py b/tests/test_notes.py
index 498a526..e652528 100644
--- a/tests/test_notes.py
+++ b/tests/test_notes.py
@@ -155,5 +155,6 @@ def test_month_page_renders_notes_inputs(client):
     client.post("/month/2026-04/create")
     response = client.get("/month/2026-04")
     assert response.status_code == 200
-    assert "entry-notes-row" in response.text
+    # notes input lives inside the expandable entry body now
+    assert 'name="notes"' in response.text
     assert "auto-pay" in response.text
diff --git a/tests/test_postings.py b/tests/test_postings.py
new file mode 100644
index 0000000..20f021a
--- /dev/null
+++ b/tests/test_postings.py
@@ -0,0 +1,226 @@
+from __future__ import annotations
+
+from datetime import date
+from decimal import Decimal
+
+import pytest
+
+from quartermaster import month_service, service
+from quartermaster.models import Posting, Section
+
+
+def _seed_month(db, section=Section.fixed_bill, name="Rent", planned="1200"):
+    service.add_entry(db, Section.income, "Paycheck", Decimal("2500"))
+    service.add_entry(db, section, name, Decimal(planned))
+    return month_service.create_month(db, "2026-04")
+
+
+def test_add_posting_sums_into_applied(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    month_service.add_posting(
+        db, month, rent.id, date(2026, 4, 1), Decimal("600"), description="first half"
+    )
+    month_service.add_posting(
+        db, month, rent.id, date(2026, 4, 15), Decimal("600"), description="second half"
+    )
+    db.refresh(rent)
+    assert rent.applied == Decimal("1200.00")
+    assert len(rent.postings) == 2
+
+
+def test_empty_entry_applied_is_zero(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    assert rent.applied == Decimal("0.00")
+    assert rent.postings == []
+
+
+def test_negative_posting_allowed(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    month_service.add_posting(
+        db, month, rent.id, date(2026, 4, 1), Decimal("1200")
+    )
+    month_service.add_posting(
+        db, month, rent.id, date(2026, 4, 3), Decimal("-50"), description="refund"
+    )
+    db.refresh(rent)
+    assert rent.applied == Decimal("1150.00")
+
+
+def test_update_posting(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    posting = month_service.add_posting(
+        db, month, rent.id, date(2026, 4, 1), Decimal("1100")
+    )
+    month_service.update_posting(
+        db, month, posting.id,
+        amount=Decimal("1200"),
+        description="corrected",
+        occurred_on=date(2026, 4, 3),
+    )
+    db.refresh(rent)
+    assert rent.applied == Decimal("1200.00")
+    updated = rent.postings[0]
+    assert updated.description == "corrected"
+    assert updated.occurred_on == date(2026, 4, 3)
+
+
+def test_delete_posting(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    p1 = month_service.add_posting(db, month, rent.id, date.today(), Decimal("600"))
+    p2 = month_service.add_posting(db, month, rent.id, date.today(), Decimal("600"))
+    entry = month_service.delete_posting(db, month, p1.id)
+    db.refresh(rent)
+    assert entry.id == rent.id
+    assert rent.applied == Decimal("600.00")
+    assert len(rent.postings) == 1
+    assert rent.postings[0].id == p2.id
+
+
+def test_delete_entry_cascades_postings(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    month_service.add_posting(db, month, rent.id, date.today(), Decimal("600"))
+    month_service.add_posting(db, month, rent.id, date.today(), Decimal("600"))
+    # Postings count before deletion
+    all_postings = db.query(Posting).filter(Posting.month_entry_id == rent.id).count()
+    assert all_postings == 2
+    month_service.delete_month_entry(db, month, rent.id)
+    db.expire_all()
+    remaining = db.query(Posting).filter(Posting.month_entry_id == rent.id).count()
+    assert remaining == 0
+
+
+def test_postings_ordered_desc(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    month_service.add_posting(db, month, rent.id, date(2026, 4, 1), Decimal("100"))
+    month_service.add_posting(db, month, rent.id, date(2026, 4, 15), Decimal("200"))
+    month_service.add_posting(db, month, rent.id, date(2026, 4, 8), Decimal("150"))
+    db.refresh(rent)
+    dates = [p.occurred_on for p in rent.postings]
+    assert dates == [date(2026, 4, 15), date(2026, 4, 8), date(2026, 4, 1)]
+
+
+def test_update_month_entry_rejects_applied_kwarg(db):
+    month = _seed_month(db)
+    rent = next(e for e in month.entries if e.origin_name == "Rent")
+    with pytest.raises(TypeError):
+        month_service.update_month_entry(
+            db, month, rent.id, applied=Decimal("500")
+        )
+
+
+# ----- Route-level tests -----
+
+def _seed_via_api(client):
+    client.post(
+        "/sections/income/entries",
+        data={"name": "Paycheck", "amount": "2500"},
+    )
+    client.post(
+        "/sections/fixed_bill/entries",
+        data={"name": "Rent", "amount": "1200"},
+    )
+    client.post("/month/2026-04/create")
+
+
+def test_add_posting_route(client):
+    _seed_via_api(client)
+    response = client.post(
+        "/month/2026-04/entries/2/postings",
+        data={
+            "occurred_on": "2026-04-01",
+            "amount": "1200",
+            "description": "April rent",
+            "payee": "Landlord",
+        },
+    )
+    assert response.status_code == 200
+    assert "April rent" in response.text
+    assert "Landlord" in response.text
+
+
+def test_update_posting_route(client):
+    _seed_via_api(client)
+    client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1100"},
+    )
+    # posting id is 1 (first created)
+    response = client.post(
+        "/month/2026-04/postings/1",
+        data={"amount": "1200", "description": "fixed amount"},
+    )
+    assert response.status_code == 200
+    assert "fixed amount" in response.text
+
+
+def test_delete_posting_route(client):
+    _seed_via_api(client)
+    client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1200"},
+    )
+    response = client.delete("/month/2026-04/postings/1")
+    assert response.status_code == 200
+    # The section partial should render with no postings and applied back to $0
+    assert "$0.00" in response.text
+
+
+def test_posting_routes_reject_invalid_date(client):
+    _seed_via_api(client)
+    response = client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "not-a-date", "amount": "100"},
+    )
+    assert response.status_code == 400
+
+
+def test_posting_rejected_on_closed_month(client):
+    _seed_via_api(client)
+    # Post balancing transactions so the month can close
+    client.post(
+        "/month/2026-04/entries/1/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1200"},
+    )
+    client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1200"},
+    )
+    client.post("/month/2026-04/activate")
+    close = client.post("/month/2026-04/close")
+    assert close.status_code == 204
+    # Now try to add a new posting on the closed month
+    response = client.post(
+        "/month/2026-04/entries/1/postings",
+        data={"occurred_on": "2026-04-20", "amount": "1"},
+    )
+    assert response.status_code == 400
+
+
+def test_applied_update_via_posting_flips_zero_tone(client):
+    _seed_via_api(client)
+    response = client.post(
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1200"},
+    )
+    assert response.status_code == 200
+    # With only rent applied, applied zero = 0 - 1200 = -1200 -> negative
+    assert "tone-negative" in response.text
+
+
+def test_posting_count_badge_renders(client):
+    _seed_via_api(client)
+    for i in range(3):
+        client.post(
+            "/month/2026-04/entries/2/postings",
+            data={"occurred_on": "2026-04-01", "amount": "400"},
+        )
+    page = client.get("/month/2026-04")
+    assert page.status_code == 200
+    assert "3 txns" in page.text
diff --git a/tests/test_zero_amount.py b/tests/test_zero_amount.py
index 1c3d53e..fd4c90a 100644
--- a/tests/test_zero_amount.py
+++ b/tests/test_zero_amount.py
@@ -1,11 +1,18 @@
 from __future__ import annotations
 
+from datetime import date
 from decimal import Decimal
 
 from quartermaster import month_service, service
 from quartermaster.models import Section
 
 
+def _apply(db, month, entry_id, amount):
+    return month_service.add_posting(
+        db, month, entry_id, date.today(), Decimal(str(amount)), description="test"
+    )
+
+
 def test_zero_tone_classification():
     assert service.zero_tone(Decimal("0")) == "zero"
     assert service.zero_tone(Decimal("0.00")) == "zero"
@@ -66,12 +73,8 @@ def test_month_zero_reflects_applied_updates(db):
     month = month_service.create_month(db, "2026-04")
     income_entry = next(e for e in month.entries if e.origin_name == "Paycheck")
     rent_entry = next(e for e in month.entries if e.origin_name == "Rent")
-    month_service.update_month_entry(
-        db, month, income_entry.id, applied=Decimal("2500.00")
-    )
-    month_service.update_month_entry(
-        db, month, rent_entry.id, applied=Decimal("1200.00")
-    )
+    _apply(db, month, income_entry.id, "2500.00")
+    _apply(db, month, rent_entry.id, "1200.00")
     db.refresh(month)
     z = month_service.month_zero(month)
     # applied income 2500 - applied (1200 + 0) = 1300
@@ -117,9 +120,10 @@ def test_month_entry_update_returns_zero_widget_oob(client):
         data={"name": "Rent", "amount": "1200.00"},
     )
     client.post("/month/2026-04/create")
-    # updating rent applied should bring the month zero widget back with new values
+    # posting rent applied via the ledger should bring the month zero widget back with new values
     response = client.post(
-        "/month/2026-04/entries/2", data={"applied": "1200.00"}
+        "/month/2026-04/entries/2/postings",
+        data={"occurred_on": "2026-04-01", "amount": "1200.00"},
     )
     assert response.status_code == 200
     assert 'id="zero-widget"' in response.text