diff --git a/apps/web/src/components/domain/charts.tsx b/apps/web/src/components/domain/charts.tsx
index 212641c..9f018ed 100644
--- a/apps/web/src/components/domain/charts.tsx
+++ b/apps/web/src/components/domain/charts.tsx
@@ -361,7 +361,9 @@ export function DashboardExpensesChart({
 
   const hasData = data.some((row) => row.amount > 0)
   const description =
-    mode === 'estimate' ? 'Оценка по активным VPS за текущий год' : 'Последние 12 мес'
+    mode === 'estimate'
+      ? 'Нет списаний в учёте — оценка тарифов за текущий месяц'
+      : 'Списания и платежи за VPS по месяцам'
 
   return (
     <Card className={className}>
diff --git a/apps/web/src/lib/chart-analytics.test.ts b/apps/web/src/lib/chart-analytics.test.ts
index d11b163..dce73d8 100644
--- a/apps/web/src/lib/chart-analytics.test.ts
+++ b/apps/web/src/lib/chart-analytics.test.ts
@@ -52,7 +52,7 @@ describe('chart-analytics', () => {
     expect(expenseOnly[2]?.amount).toBe(0)
   })
 
-  it('falls back to VPS burn estimate when no expense records exist', () => {
+  it('falls back to VPS burn estimate for current month only when no expense records', () => {
     const payments: Payment[] = [
       {
         id: 'p1',
@@ -71,12 +71,46 @@ describe('chart-analytics', () => {
       [],
       [activeVps],
       [],
-      2026,
+      new Date().getFullYear(),
       settings,
       null,
     )
 
     expect(mode).toBe('estimate')
-    expect(rows[2]?.amount).toBe(1500)
+    const currentMonth = new Date().getMonth()
+    expect(rows[currentMonth]?.amount).toBe(1500)
+    for (let i = 0; i < 12; i++) {
+      if (i === currentMonth) continue
+      expect(rows[i]?.amount).toBe(0)
+    }
+  })
+
+  it('uses actual expense payments when present', () => {
+    const payments: Payment[] = [
+      {
+        id: 'p1',
+        type: 'direct_vps_payment',
+        date: '2026-02-10',
+        amount: 2000,
+        currency: 'RUB',
+        providerAccountId: 'a1',
+        vpsId: 'v1',
+        note: '',
+      },
+    ]
+
+    const { rows, mode } = aggregateDashboardExpensesByMonthYear(
+      payments,
+      [],
+      [activeVps],
+      [],
+      2026,
+      settings,
+      null,
+    )
+
+    expect(mode).toBe('actual')
+    expect(rows[1]?.amount).toBe(2000)
+    expect(rows[2]?.amount).toBe(0)
   })
 })
diff --git a/apps/web/src/lib/chart-analytics.ts b/apps/web/src/lib/chart-analytics.ts
index ec318e3..ef6052b 100644
--- a/apps/web/src/lib/chart-analytics.ts
+++ b/apps/web/src/lib/chart-analytics.ts
@@ -168,6 +168,14 @@ export function aggregateEstimatedVpsBurnByMonthYear(
   ratesData: RatesData | null,
 ): { month: string; amount: number }[] {
   const providerById = providerByIdMap(providers)
+  const now = new Date()
+  const byMonth = Array.from({ length: 12 }, () => 0)
+
+  // Без факта списаний не выдумываем историю: оценка = текущий burn только в текущем месяце.
+  if (year !== now.getFullYear()) {
+    return bucketsToRows(byMonth)
+  }
+
   const monthlyBurn = vps
     .filter((item) => item.status === 'active')
     .reduce(
@@ -177,13 +185,8 @@ export function aggregateEstimatedVpsBurnByMonthYear(
       0,
     )
 
-  const now = new Date()
-  const rounded = Math.round(monthlyBurn)
-
-  return Array.from({ length: 12 }, (_, index) => ({
-    month: formatMonthShortRu(index),
-    amount: year === now.getFullYear() && index <= now.getMonth() ? rounded : 0,
-  }))
+  byMonth[now.getMonth()] = monthlyBurn
+  return bucketsToRows(byMonth)
 }
 
 export function aggregateDashboardExpensesByMonthYear(
diff --git a/apps/web/src/routes/_auth/dashboard.tsx b/apps/web/src/routes/_auth/dashboard.tsx
index cd3e07c..d89e7b6 100644
--- a/apps/web/src/routes/_auth/dashboard.tsx
+++ b/apps/web/src/routes/_auth/dashboard.tsx
@@ -35,7 +35,8 @@ import { cn } from '@cfdm/ui/lib/utils'
 
 import { computeInventoryHealth } from '@/lib/inventory-health'
 import { buildAtRiskAccounts, type AtRiskAccount } from '@/lib/account-health'
-import { formatInBaseCurrency, normalizeRatesPayload, vpsStatusLabel } from '@/lib/format'
+import { formatInBaseCurrency, normalizeRatesPayload, vpsStatusLabel, convertVpsMonthlyBurnToBase, formatCurrency } from '@/lib/format'
+import { providerByIdMap } from '@/lib/billmanager'
 import { exportActiveVpsCsv } from '@/lib/export-csv'
 import {
   ChartsGrid,
@@ -246,6 +247,18 @@ function DashboardPage() {
           const totalCount = stats?.totalVpsCount ?? snap.vps.length
           const expiringCount = stats?.expiringWithin7Days ?? 0
           const issuesCount = issues.length
+          const providerById = providerByIdMap(snap.providers)
+          const monthlyBurnBase = activeVps.reduce(
+            (sum, item) =>
+              sum +
+              convertVpsMonthlyBurnToBase(
+                item,
+                providerById.get(item.providerId),
+                snap.settings,
+                ratesData,
+              ),
+            0,
+          )
 
           const handleGoToIssues = () => {
             setActiveTab('issues')
@@ -272,12 +285,7 @@ function DashboardPage() {
             {
               id: 'burn',
               label: 'Расход в месяц',
-              value: formatInBaseCurrency(
-                stats?.monthlyBurnEstimate ?? 0,
-                baseCur,
-                snap.settings,
-                ratesData,
-              ),
+              value: formatCurrency(monthlyBurnBase, baseCur),
               icon: <TrendingUpIcon className="size-4" />,
               iconClassName: 'text-info',
               to: '/reports',