diff --git a/src/Budget.Client/src/pages/BudgetsPage.tsx b/src/Budget.Client/src/pages/BudgetsPage.tsx
index 13dfb11..2e89cf9 100644
--- a/src/Budget.Client/src/pages/BudgetsPage.tsx
+++ b/src/Budget.Client/src/pages/BudgetsPage.tsx
@@ -1,3 +1,47 @@
+import { useEffect, useState } from 'react';
+import { useNavigate } from 'react-router-dom';
+import type { BudgetDto } from '../types';
+import { api } from '../api/client';
+
 export function BudgetsPage() {
-  return <div>Budgets — coming soon</div>;
+  const [budgets, setBudgets] = useState<BudgetDto[]>([]);
+  const [newName, setNewName] = useState('');
+  const navigate = useNavigate();
+
+  useEffect(() => {
+    api.get<BudgetDto[]>('/api/budgets').then(setBudgets);
+  }, []);
+
+  const handleCreate = async () => {
+    if (!newName.trim()) return;
+    const created = await api.post<BudgetDto>('/api/budgets', { name: newName.trim() });
+    setBudgets(prev => [...prev, created]);
+    setNewName('');
+    navigate(`/budgets/${created.id}/income`);
+  };
+
+  return (
+    <div>
+      <h1>My Budgets</h1>
+      {budgets.length === 0 && <p>No budgets yet. Create one below.</p>}
+      <ul>
+        {budgets.map(b => (
+          <li key={b.id}>
+            <button onClick={() => navigate(`/budgets/${b.id}/income`)}>
+              {b.name}
+            </button>
+          </li>
+        ))}
+      </ul>
+      <div style={{ marginTop: '1rem' }}>
+        <input
+          placeholder="Budget name"
+          value={newName}
+          onChange={e => setNewName(e.target.value)}
+          onKeyDown={e => e.key === 'Enter' && handleCreate()}
+        />
+        <button onClick={handleCreate} style={{ marginLeft: '8px' }}>Create</button>
+      </div>
+    </div>
+  );
 }
diff --git a/src/Budget.Client/src/pages/SettingsPage.tsx b/src/Budget.Client/src/pages/SettingsPage.tsx
index 434454b..41da328 100644
--- a/src/Budget.Client/src/pages/SettingsPage.tsx
+++ b/src/Budget.Client/src/pages/SettingsPage.tsx
@@ -1,3 +1,142 @@
+import { useEffect, useState } from 'react';
+import { useParams } from 'react-router-dom';
+import type { BudgetDto, ShareDto, SharePermission } from '../types';
+import { api } from '../api/client';
+import { BudgetNav } from '../components/BudgetNav';
+
 export function SettingsPage() {
-  return <div>Settings — coming soon</div>;
+  const { id: budgetId } = useParams<{ id: string }>();
+  const [budget, setBudget] = useState<BudgetDto | null>(null);
+  const [shares, setShares] = useState<ShareDto[]>([]);
+  const [nameInput, setNameInput] = useState('');
+  const [taxInput, setTaxInput] = useState('');
+  const [shareEmail, setShareEmail] = useState('');
+  const [sharePermission, setSharePermission] = useState<SharePermission>('View');
+  const [saving, setSaving] = useState(false);
+
+  useEffect(() => {
+    if (!budgetId) return;
+    api.get<BudgetDto>(`/api/budgets/${budgetId}`).then(b => {
+      setBudget(b);
+      setNameInput(b.name);
+      setTaxInput(String(Math.round(b.effectiveTaxRate * 100)));
+    });
+    api.get<ShareDto[]>(`/api/budgets/${budgetId}/shares`).then(setShares);
+  }, [budgetId]);
+
+  const saveName = async () => {
+    if (!budgetId || !nameInput.trim()) return;
+    setSaving(true);
+    const updated = await api.put<BudgetDto>(`/api/budgets/${budgetId}`, { name: nameInput.trim() });
+    setBudget(updated);
+    setSaving(false);
+  };
+
+  const saveTaxRate = async () => {
+    if (!budgetId) return;
+    setSaving(true);
+    const rate = parseFloat(taxInput) / 100;
+    await api.put(`/api/budgets/${budgetId}/summary/tax-rate`, { effectiveTaxRate: rate });
+    const updated = await api.get<BudgetDto>(`/api/budgets/${budgetId}`);
+    setBudget(updated);
+    setSaving(false);
+  };
+
+  const addShare = async () => {
+    if (!budgetId || !shareEmail.trim()) return;
+    const share = await api.post<ShareDto>(`/api/budgets/${budgetId}/shares`, {
+      email: shareEmail.trim(),
+      permission: sharePermission,
+    });
+    setShares(prev => [...prev, share]);
+    setShareEmail('');
+  };
+
+  const updatePermission = async (shareId: string, permission: SharePermission) => {
+    if (!budgetId) return;
+    const updated = await api.put<ShareDto>(`/api/budgets/${budgetId}/shares/${shareId}`, { permission });
+    setShares(prev => prev.map(s => s.id === shareId ? updated : s));
+  };
+
+  const revokeShare = async (shareId: string) => {
+    if (!budgetId) return;
+    await api.delete(`/api/budgets/${budgetId}/shares/${shareId}`);
+    setShares(prev => prev.filter(s => s.id !== shareId));
+  };
+
+  if (!budget) return <div>Loading...</div>;
+
+  return (
+    <div>
+      <BudgetNav />
+      <h1>Settings</h1>
+
+      <section style={{ marginBottom: '2rem' }}>
+        <h2>Rename Budget</h2>
+        <input value={nameInput} onChange={e => setNameInput(e.target.value)} />
+        <button onClick={saveName} disabled={saving} style={{ marginLeft: '8px' }}>Save</button>
+      </section>
+
+      <section style={{ marginBottom: '2rem' }}>
+        <h2>Effective Tax Rate</h2>
+        <label>
+          Rate (%){' '}
+          <input
+            type="number"
+            min="0"
+            max="100"
+            value={taxInput}
+            onChange={e => setTaxInput(e.target.value)}
+            style={{ width: '60px' }}
+          />
+          <button onClick={saveTaxRate} disabled={saving} style={{ marginLeft: '8px' }}>Save</button>
+        </label>
+      </section>
+
+      <section>
+        <h2>Sharing</h2>
+        <table>
+          <thead>
+            <tr>
+              <th>Email</th>
+              <th>Permission</th>
+              <th>Status</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            {shares.map(s => (
+              <tr key={s.id}>
+                <td>{s.sharedWithEmail}</td>
+                <td>
+                  <select
+                    value={s.permission}
+                    onChange={e => updatePermission(s.id, e.target.value as SharePermission)}
+                  >
+                    <option value="View">View</option>
+                    <option value="Edit">Edit</option>
+                  </select>
+                </td>
+                <td>{s.isPending ? <em>Pending</em> : 'Active'}</td>
+                <td><button onClick={() => revokeShare(s.id)}>Revoke</button></td>
+              </tr>
+            ))}
+          </tbody>
+        </table>
+
+        <div style={{ marginTop: '1rem', display: 'flex', gap: '8px', alignItems: 'center' }}>
+          <input
+            placeholder="Email address"
+            value={shareEmail}
+            onChange={e => setShareEmail(e.target.value)}
+          />
+          <select value={sharePermission} onChange={e => setSharePermission(e.target.value as SharePermission)}>
+            <option value="View">View</option>
+            <option value="Edit">Edit</option>
+          </select>
+          <button onClick={addShare}>Add Share</button>
+        </div>
+      </section>
+    </div>
+  );
 }