diff --git a/src/Budget.Client/src/components/DonutChart.tsx b/src/Budget.Client/src/components/DonutChart.tsx
new file mode 100644
index 0000000..0ce2a6c
--- /dev/null
+++ b/src/Budget.Client/src/components/DonutChart.tsx
@@ -0,0 +1,103 @@
+interface Segment {
+  label: string;
+  value: number;
+  color: string;
+}
+
+interface Props {
+  segments: Segment[];
+  centerLabel: string;
+  centerValue: string;
+  size?: number;
+}
+
+const STROKE_WIDTH = 30;
+const GAP = 2.5; // degrees of gap between segments
+
+export function DonutChart({ segments, centerLabel, centerValue, size = 220 }: Props) {
+  const cx = size / 2;
+  const cy = size / 2;
+  const r = (size - STROKE_WIDTH) / 2 - 4;
+  const circumference = 2 * Math.PI * r;
+
+  const total = segments.reduce((sum, s) => sum + s.value, 0);
+
+  // Build arc descriptors
+  let cursor = -90; // start at 12 o'clock
+  const arcs = segments.map(seg => {
+    const pct = total > 0 ? seg.value / total : 0;
+    const degrees = pct * 360;
+    const gapDeg = degrees > GAP * 2 ? GAP : 0;
+    const dashLen = Math.max(0, ((degrees - gapDeg) / 360) * circumference);
+    const startAngle = cursor + gapDeg / 2;
+    cursor += degrees;
+    return { ...seg, pct, dashLen, startAngle };
+  });
+
+  return (
+    <div style={{ display: 'flex', alignItems: 'center', gap: '1.5rem', flexWrap: 'wrap' }}>
+      {/* Donut SVG */}
+      <div style={{ position: 'relative', flexShrink: 0 }}>
+        <svg width={size} height={size} style={{ display: 'block' }}>
+          {/* Track ring */}
+          <circle
+            cx={cx} cy={cy} r={r}
+            fill="none"
+            stroke="var(--color-border)"
+            strokeWidth={STROKE_WIDTH}
+          />
+          {arcs.map((arc, i) => (
+            <circle
+              key={i}
+              cx={cx} cy={cy} r={r}
+              fill="none"
+              stroke={arc.color}
+              strokeWidth={STROKE_WIDTH}
+              strokeDasharray={`${arc.dashLen} ${circumference}`}
+              strokeLinecap="butt"
+              transform={`rotate(${arc.startAngle}, ${cx}, ${cy})`}
+              style={{ transition: 'stroke-dasharray 0.4s ease' }}
+            />
+          ))}
+        </svg>
+        {/* Center text */}
+        <div style={{
+          position: 'absolute',
+          inset: 0,
+          display: 'flex',
+          flexDirection: 'column',
+          alignItems: 'center',
+          justifyContent: 'center',
+          pointerEvents: 'none',
+        }}>
+          <div style={{ fontSize: '0.7rem', fontWeight: 600, color: 'var(--color-text-muted)', textTransform: 'uppercase', letterSpacing: '0.05em' }}>
+            {centerLabel}
+          </div>
+          <div style={{ fontSize: '1.1rem', fontWeight: 700, color: 'var(--color-heading)', fontFamily: 'var(--font-mono)' }}>
+            {centerValue}
+          </div>
+        </div>
+      </div>
+
+      {/* Legend */}
+      <div style={{ display: 'flex', flexDirection: 'column', gap: '0.625rem', minWidth: '160px' }}>
+        {arcs.map((arc, i) => (
+          <div key={i} style={{ display: 'flex', alignItems: 'center', gap: '0.5rem' }}>
+            <div style={{
+              width: 12, height: 12, borderRadius: '3px',
+              background: arc.color, flexShrink: 0,
+            }} />
+            <div style={{ flex: 1 }}>
+              <div style={{ fontSize: '0.8125rem', fontWeight: 600, color: 'var(--color-heading)' }}>
+                {arc.label}
+              </div>
+              <div style={{ fontSize: '0.75rem', color: 'var(--color-text-muted)', fontFamily: 'var(--font-mono)' }}>
+                {(arc.pct * 100).toFixed(1)}%
+              </div>
+            </div>
+          </div>
+        ))}
+      </div>
+    </div>
+  );
+}
diff --git a/src/Budget.Client/src/pages/SummaryPage.tsx b/src/Budget.Client/src/pages/SummaryPage.tsx
index 7c8a6d2..519cca3 100644
--- a/src/Budget.Client/src/pages/SummaryPage.tsx
+++ b/src/Budget.Client/src/pages/SummaryPage.tsx
@@ -1,14 +1,18 @@
-import { useEffect } from 'react';
 import { useParams } from 'react-router-dom';
-import { useForm } from 'react-hook-form';
-import { zodResolver } from '@hookform/resolvers/zod';
 import { MoneyDisplay } from '../components/MoneyDisplay';
 import { BudgetNav } from '../components/BudgetNav';
-import { useSummary, useUpdateTaxRate } from '../api/summary';
-import { updateTaxRateSchema, type UpdateTaxRateInput } from '../schemas/index';
+import { DonutChart } from '../components/DonutChart';
+import { useSummary } from '../api/summary';
 
 const fmt = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
 
+const SEGMENT_COLORS: Record<string, string> = {
+  Need:    '#f59e0b',
+  Want:    '#8b5cf6',
+  Save:    '#16a34a',
+  Unspent: '#9ca3af',
+};
+
 const TYPE_BADGE: Record<string, string> = {
   Need: 'badge badge-need',
   Want: 'badge badge-want',
@@ -18,30 +22,23 @@ const TYPE_BADGE: Record<string, string> = {
 export function SummaryPage() {
   const { id: budgetId } = useParams<{ id: string }>();
   const { data: summary } = useSummary(budgetId!);
-  const updateTaxRate = useUpdateTaxRate(budgetId!);
-
-  const { register, handleSubmit, reset, formState: { errors, isSubmitting } } = useForm<UpdateTaxRateInput>({
-    resolver: zodResolver(updateTaxRateSchema),
-    defaultValues: { effectiveTaxRate: 0 },
-  });
-
-  useEffect(() => {
-    if (summary) {
-      reset({ effectiveTaxRate: Math.round(summary.preTaxIncome.effectiveTaxRate * 100) });
-    }
-  }, [summary]); // eslint-disable-line react-hooks/exhaustive-deps
-
-  const onSaveTaxRate = async (data: UpdateTaxRateInput) => {
-    await updateTaxRate.mutateAsync(data.effectiveTaxRate / 100);
-  };
 
   if (!summary) return <><BudgetNav /><div className="loading-text">Loading…</div></>;
 
+  const monthlyFmt = fmt.format(summary.monthlyIncome);
+
+  const chartSegments = summary.breakdown.map(row => ({
+    label: row.type,
+    value: Math.max(0, row.total),
+    color: SEGMENT_COLORS[row.type] ?? '#d1d5db',
+  }));
+
   return (
     <div>
       <BudgetNav />
       <h1>Summary</h1>
 
+      {/* Income stats */}
       <div className="summary-stats">
         <div className="summary-stat">
           <div className="summary-stat-label">Monthly Income</div>
@@ -53,75 +50,61 @@ export function SummaryPage() {
         </div>
       </div>
 
-      <div className="table-wrapper">
-        <table>
-          <thead>
-            <tr>
-              <th>Type</th>
-              <th className="col-money">Monthly Total</th>
-              <th className="col-money">Annual Total</th>
-              <th className="col-pct">% of Income</th>
-              <th className="col-money">Max (target%)</th>
-              <th className="col-money">Remaining</th>
-            </tr>
-          </thead>
-          <tbody>
-            {summary.breakdown.map(row => (
-              <tr key={row.type}>
-                <td>
-                  <span className={TYPE_BADGE[row.type] ?? 'badge'}>
-                    {row.type}
-                    {row.targetPercent != null && ` (${row.targetPercent}%)`}
-                  </span>
-                </td>
-                <td className="col-money"><MoneyDisplay value={row.total} /></td>
-                <td className="col-money"><MoneyDisplay value={row.annually} /></td>
-                <td className="col-pct">{row.percent.toFixed(1)}%</td>
-                <td className="col-money">{row.maxAmount != null ? fmt.format(row.maxAmount) : '—'}</td>
-                <td className="col-money" style={{ color: row.remaining != null && row.remaining < 0 ? 'var(--color-negative)' : undefined }}>
-                  {row.remaining != null ? fmt.format(row.remaining) : '—'}
-                </td>
-              </tr>
-            ))}
-          </tbody>
-        </table>
-      </div>
+      {/* Chart + table */}
+      <div style={{ display: 'flex', gap: '2rem', alignItems: 'flex-start', flexWrap: 'wrap' }}>
 
-      <div className="card" style={{ maxWidth: '480px' }}>
-        <div className="section-title">Pre-Tax Income</div>
-        <form onSubmit={handleSubmit(onSaveTaxRate)} style={{ marginBottom: '0.875rem' }}>
-          <div style={{ display: 'flex', alignItems: 'center', gap: '0.5rem', flexWrap: 'wrap' }}>
-            <label htmlFor="tax-rate">Effective Tax Rate (%)</label>
-            <input
-              id="tax-rate"
-              type="number"
-              min="0"
-              max="99"
-              style={{ width: '72px' }}
-              {...register('effectiveTaxRate', { valueAsNumber: true })}
-            />
-            <button
-              type="submit"
-              className="btn btn-primary btn-sm"
-              disabled={isSubmitting || updateTaxRate.isPending}
-            >
-              {updateTaxRate.isPending ? 'Saving…' : 'Save'}
-            </button>
-          </div>
-          {errors.effectiveTaxRate && (
-            <span className="field-error">{errors.effectiveTaxRate.message}</span>
-          )}
-        </form>
-        <div style={{ display: 'flex', flexDirection: 'column', gap: '0.375rem', fontSize: '0.9rem' }}>
-          <div>
-            <span style={{ color: 'var(--color-text-muted)' }}>Minimum Annual Gross: </span>
-            <strong className="font-mono"><MoneyDisplay value={summary.preTaxIncome.minimumAnnualGross} /></strong>
-          </div>
-          <div>
-            <span style={{ color: 'var(--color-text-muted)' }}>Minimum Monthly Gross: </span>
-            <strong className="font-mono"><MoneyDisplay value={summary.preTaxIncome.minimumMonthlyGross} /></strong>
+        {/* Donut chart */}
+        <div className="card" style={{ flexShrink: 0 }}>
+          <div className="section-title">Budget Allocation</div>
+          <DonutChart
+            segments={chartSegments}
+            centerLabel="Monthly"
+            centerValue={monthlyFmt}
+          />
+        </div>
+
+        {/* Breakdown table */}
+        <div style={{ flex: '1 1 400px' }}>
+          <div className="table-wrapper">
+            <table>
+              <thead>
+                <tr>
+                  <th>Type</th>
+                  <th className="col-money">Monthly</th>
+                  <th className="col-money">Annually</th>
+                  <th className="col-pct">% of Income</th>
+                  <th className="col-money">Target Max</th>
+                  <th className="col-money">Remaining</th>
+                </tr>
+              </thead>
+              <tbody>
+                {summary.breakdown.map(row => (
+                  <tr key={row.type}>
+                    <td>
+                      <span className={TYPE_BADGE[row.type] ?? 'badge'}>
+                        {row.type}
+                        {row.targetPercent != null && ` (${row.targetPercent}%)`}
+                      </span>
+                    </td>
+                    <td className="col-money"><MoneyDisplay value={row.total} /></td>
+                    <td className="col-money"><MoneyDisplay value={row.annually} /></td>
+                    <td className="col-pct">{row.percent.toFixed(1)}%</td>
+                    <td className="col-money">
+                      {row.maxAmount != null ? fmt.format(row.maxAmount) : '—'}
+                    </td>
+                    <td
+                      className="col-money"
+                      style={{ color: row.remaining != null && row.remaining < 0 ? 'var(--color-negative)' : undefined }}
+                    >
+                      {row.remaining != null ? fmt.format(row.remaining) : '—'}
+                    </td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
           </div>
         </div>
+
       </div>
     </div>
   );