diff --git a/apps/web/src/routes/_auth/balance.tsx b/apps/web/src/routes/_auth/balance.tsx
index 4bb46ef..74dacd6 100644
--- a/apps/web/src/routes/_auth/balance.tsx
+++ b/apps/web/src/routes/_auth/balance.tsx
@@ -16,7 +16,7 @@ import {
 } from 'lucide-react'
 import { toast } from 'sonner'
 
-import { snapshotQueryOptions } from '@/queries/snapshot'
+import { snapshotQueryOptions, ratesQueryOptions } from '@/queries/snapshot'
 import { api, ApiError } from '@/lib/api-client'
 import { Button } from '@cfdm/ui/components/button'
 import { Badge } from '@cfdm/ui/components/badge'
@@ -25,12 +25,12 @@ import type { DataTableColumn } from '@/components/data-grid-types'
 import { dataGridCellStack } from '@/components/data-grid-cells'
 import { CrudListPage } from '@/components/crud-list-page'
 import { SectionCards } from '@/components/section-cards'
-import { TableSkeleton } from '@/components/skeletons'
+import { SectionCardsSkeleton, TableSkeleton } from '@/components/skeletons'
 import { ConfirmDialog } from '@/components/confirm-dialog'
 import { BalanceEntrySheet, balanceEntryFormDefaults } from '@/components/domain/balance-entry-sheet'
 import type { BalanceLedgerFormValues } from '@/lib/schemas'
 import type { BalanceLedgerRow } from '@/types/entities'
-import { formatCurrency } from '@/lib/format'
+import { formatCurrency, convertCurrency, normalizeRatesPayload, toIsoCurrency } from '@/lib/format'
 import { providerByIdMap, accountSelectLabel } from '@/lib/billmanager'
 
 export const Route = createFileRoute('/_auth/balance')({
@@ -42,6 +42,9 @@ export const Route = createFileRoute('/_auth/balance')({
 function BalancePage() {
   const queryClient = useQueryClient()
   const { data: snapshot, isLoading, isError, error, refetch } = useQuery(snapshotQueryOptions())
+  const settings = snapshot?.settings?.[0]
+  const { data: rawRates } = useQuery(ratesQueryOptions(settings?.ratesUrl))
+  const ratesData = normalizeRatesPayload(rawRates) ?? rawRates ?? null
   const [open, setOpen] = useState(false)
   const [formDefaults, setFormDefaults] = useState<BalanceLedgerFormValues>(balanceEntryFormDefaults())
 
@@ -145,8 +148,21 @@ function BalancePage() {
   ]
 
   const rows = [...(snapshot?.balanceLedger ?? [])].sort((a, b) => b.date.localeCompare(a.date))
-  const totalCredit = rows.filter((r) => r.direction === 'credit').reduce((acc, r) => acc + Number(r.amount || 0), 0)
-  const totalDebit = rows.filter((r) => r.direction === 'debit').reduce((acc, r) => acc + Number(r.amount || 0), 0)
+  const baseCurrency = (snapshot?.settings[0]?.baseCurrency ?? 'RUB').toUpperCase()
+  const totalCredit = rows
+    .filter((r) => r.direction === 'credit')
+    .reduce(
+      (acc, r) =>
+        acc + convertCurrency(Number(r.amount), toIsoCurrency(r.currency), baseCurrency, ratesData),
+      0,
+    )
+  const totalDebit = rows
+    .filter((r) => r.direction === 'debit')
+    .reduce(
+      (acc, r) =>
+        acc + convertCurrency(Number(r.amount), toIsoCurrency(r.currency), baseCurrency, ratesData),
+      0,
+    )
 
   return (
     <CrudListPage
@@ -163,7 +179,12 @@ function BalancePage() {
       isError={isError}
       error={error}
       onRetry={() => refetch()}
-      skeleton={<TableSkeleton />}
+      skeleton={
+        <div className="flex flex-col gap-4">
+          <SectionCardsSkeleton count={3} />
+          <TableSkeleton />
+        </div>
+      }
       empty={rows.length === 0}
       emptyTitle="Записей нет"
       emptyDescription="Добавьте движение по балансу аккаунта"
@@ -187,9 +208,7 @@ function BalancePage() {
         ) : null
       }
     >
-      {(snap) => {
-        const baseCurrency = snap.settings[0]?.baseCurrency ?? 'RUB'
-        return (
+      {() => (
           <div className="flex flex-col gap-4">
             <SectionCards
               items={[
@@ -233,8 +252,7 @@ function BalancePage() {
               }
             />
           </div>
-        )
-      }}
+        )}
     </CrudListPage>
   )
 }
diff --git a/apps/web/src/routes/_auth/payments.tsx b/apps/web/src/routes/_auth/payments.tsx
index 2cf651a..749c020 100644
--- a/apps/web/src/routes/_auth/payments.tsx
+++ b/apps/web/src/routes/_auth/payments.tsx
@@ -1,21 +1,31 @@
 import { createFileRoute } from '@tanstack/react-router'
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query'
 import { useState } from 'react'
-import { PlusIcon, CalendarIcon, UserRoundIcon, TagIcon, CoinsIcon, StickyNoteIcon } from 'lucide-react'
+import {
+  PlusIcon,
+  CalendarIcon,
+  UserRoundIcon,
+  TagIcon,
+  CoinsIcon,
+  StickyNoteIcon,
+  CreditCardIcon,
+} from 'lucide-react'
 import { toast } from 'sonner'
 
-import { snapshotQueryOptions } from '@/queries/snapshot'
+import { snapshotQueryOptions, ratesQueryOptions } from '@/queries/snapshot'
 import { api, ApiError } from '@/lib/api-client'
 import { Button } from '@cfdm/ui/components/button'
 import { DataGridCard, columnDefFromDataTable } from '@/components/data-grid-card'
 import type { DataTableColumn } from '@/components/data-grid-types'
 import { dataGridCellStack } from '@/components/data-grid-cells'
 import { CrudListPage } from '@/components/crud-list-page'
+import { SectionCards } from '@/components/section-cards'
+import { SectionCardsSkeleton, TableSkeleton } from '@/components/skeletons'
 import { RowActions } from '@/components/row-actions'
 import { PaymentEditSheet, paymentFormDefaults } from '@/components/domain/payment-edit-sheet'
 import type { PaymentFormValues } from '@/lib/schemas'
 import type { Payment } from '@/types/entities'
-import { paymentTypeLabel, formatCurrency } from '@/lib/format'
+import { paymentTypeLabel, formatCurrency, convertCurrency, normalizeRatesPayload, toIsoCurrency } from '@/lib/format'
 import { providerByIdMap, accountSelectLabel } from '@/lib/billmanager'
 
 export const Route = createFileRoute('/_auth/payments')({
@@ -27,6 +37,9 @@ export const Route = createFileRoute('/_auth/payments')({
 function PaymentsPage() {
   const queryClient = useQueryClient()
   const { data: snapshot, isLoading, isError, error, refetch } = useQuery(snapshotQueryOptions())
+  const settings = snapshot?.settings?.[0]
+  const { data: rawRates } = useQuery(ratesQueryOptions(settings?.ratesUrl))
+  const ratesData = normalizeRatesPayload(rawRates) ?? rawRates ?? null
   const [open, setOpen] = useState(false)
   const [formDefaults, setFormDefaults] = useState<PaymentFormValues>(
     paymentFormDefaults(null, snapshot?.providerAccounts[0]?.id ?? ''),
@@ -163,6 +176,12 @@ function PaymentsPage() {
       isError={isError}
       error={error}
       onRetry={() => refetch()}
+      skeleton={
+        <div className="flex flex-col gap-4">
+          <SectionCardsSkeleton count={3} />
+          <TableSkeleton />
+        </div>
+      }
       empty={snapshot?.payments.length === 0}
       emptyTitle="Платежей нет"
       emptyDescription="Добавьте первый платёж или дождитесь синхронизации"
@@ -187,25 +206,66 @@ function PaymentsPage() {
         ) : null
       }
     >
-      {() => (
-        <DataGridCard
-          columns={columnDefFromDataTable(columns)}
-          data={sorted}
-          rowId={(p) => p.id}
-          pinLastColumn
-          virtualization={sorted.length > 200}
-          height={560}
-          footerContent={
-            <div className="flex flex-wrap justify-end gap-6 px-3 py-2 text-sm tabular-nums">
-              {Object.entries(totalByCurrency).map(([cur, sum]) => (
-                <span key={cur}>
-                  Итого {cur}: <b className="text-foreground">{formatCurrency(sum, cur)}</b>
-                </span>
-              ))}
-            </div>
-          }
-        />
-      )}
+      {(snap) => {
+        const baseCurrency = (snap.settings[0]?.baseCurrency ?? 'RUB').toUpperCase()
+        const totalSum = snap.payments.reduce(
+          (acc, p) =>
+            acc + convertCurrency(Number(p.amount), toIsoCurrency(p.currency), baseCurrency, ratesData),
+          0,
+        )
+        const cutoff = new Date()
+        cutoff.setDate(cutoff.getDate() - 30)
+        const cutoffStr = cutoff.toISOString().slice(0, 10)
+        const recent = snap.payments.filter((p) => p.date >= cutoffStr)
+        const recentSum = recent.reduce(
+          (acc, p) =>
+            acc + convertCurrency(Number(p.amount), toIsoCurrency(p.currency), baseCurrency, ratesData),
+          0,
+        )
+
+        return (
+          <div className="flex flex-col gap-4">
+            <SectionCards
+              items={[
+                {
+                  label: 'Всего платежей',
+                  value: snap.payments.length,
+                  icon: <CreditCardIcon className="size-4" />,
+                },
+                {
+                  label: 'Общая сумма',
+                  value: formatCurrency(totalSum, baseCurrency),
+                  icon: <CoinsIcon className="size-4" />,
+                  hint: baseCurrency,
+                },
+                {
+                  label: 'За 30 дней',
+                  value: recent.length,
+                  icon: <CalendarIcon className="size-4" />,
+                  hint: formatCurrency(recentSum, baseCurrency),
+                },
+              ]}
+            />
+            <DataGridCard
+              columns={columnDefFromDataTable(columns)}
+              data={sorted}
+              rowId={(p) => p.id}
+              pinLastColumn
+              virtualization={sorted.length > 200}
+              height={560}
+              footerContent={
+                <div className="flex flex-wrap justify-end gap-6 px-3 py-2 text-sm tabular-nums">
+                  {Object.entries(totalByCurrency).map(([cur, sum]) => (
+                    <span key={cur}>
+                      Итого {cur}: <b className="text-foreground">{formatCurrency(sum, cur)}</b>
+                    </span>
+                  ))}
+                </div>
+              }
+            />
+          </div>
+        )
+      }}
     </CrudListPage>
   )
 }
diff --git a/apps/web/src/routes/_auth/renewals.tsx b/apps/web/src/routes/_auth/renewals.tsx
index c7b4a1d..dc9abc0 100644
--- a/apps/web/src/routes/_auth/renewals.tsx
+++ b/apps/web/src/routes/_auth/renewals.tsx
@@ -1,18 +1,21 @@
 import { createFileRoute, Link } from '@tanstack/react-router'
 import { useQuery } from '@tanstack/react-query'
 import { useMemo, useState } from 'react'
-import { CalendarIcon } from 'lucide-react'
+import { CalendarIcon, AlertTriangleIcon, ServerIcon, CoinsIcon } from 'lucide-react'
 
-import { snapshotQueryOptions } from '@/queries/snapshot'
+import { snapshotQueryOptions, ratesQueryOptions } from '@/queries/snapshot'
 import { PageShell } from '@/components/page-shell'
 import { PageHeader } from '@/components/page-header'
 import { QueryState } from '@/components/query-state'
+import { SectionCards } from '@/components/section-cards'
+import { SectionCardsSkeleton } from '@/components/skeletons'
 import { Card, CardContent, CardHeader, CardTitle } from '@cfdm/ui/components/card'
 import { Badge } from '@cfdm/ui/components/badge'
 import { Button } from '@cfdm/ui/components/button'
 import { SelectField } from '@/components/select-field'
 import { getPaidUntilDate } from '@/lib/paid-until'
 import { providerByIdMap } from '@/lib/billmanager'
+import { convertCurrency, formatCurrency, normalizeRatesPayload, toIsoCurrency } from '@/lib/format'
 
 export const Route = createFileRoute('/_auth/renewals')({
   loader: ({ context: { queryClient } }) =>
@@ -34,6 +37,10 @@ interface RenewalItem {
 function RenewalsPage() {
   const [horizon, setHorizon] = useState<Horizon>('30')
   const { data: snapshot, isLoading, isError, error, refetch } = useQuery(snapshotQueryOptions())
+  const settings = snapshot?.settings?.[0]
+  const { data: rawRates } = useQuery(ratesQueryOptions(settings?.ratesUrl))
+  const ratesData = normalizeRatesPayload(rawRates) ?? rawRates ?? null
+  const baseCurrency = (settings?.baseCurrency ?? 'RUB').toUpperCase()
 
   const items = useMemo(() => {
     if (!snapshot) return []
@@ -70,6 +77,20 @@ function RenewalsPage() {
     return list.sort((a, b) => a.date.getTime() - b.date.getTime())
   }, [snapshot, horizon])
 
+  const overdueCount = items.filter((i) => i.overdue).length
+
+  const renewalCost = useMemo(() => {
+    if (!snapshot) return 0
+    const vpsById = new Map(snapshot.vps.map((v) => [v.id, v]))
+    return items.reduce((acc, item) => {
+      const v = vpsById.get(item.id)
+      if (!v) return acc
+      const burn =
+        v.tariffType === 'daily' ? Number(v.dailyRate || 0) * 30 : Number(v.monthlyRate || 0)
+      return acc + convertCurrency(burn, toIsoCurrency(v.currency), baseCurrency, ratesData)
+    }, 0)
+  }, [snapshot, items, baseCurrency, ratesData])
+
   const grouped = useMemo(() => {
     const map = new Map<string, RenewalItem[]>()
     for (const item of items) {
@@ -106,12 +127,35 @@ function RenewalsPage() {
         isError={isError}
         error={error}
         onRetry={() => refetch()}
+        skeleton={<SectionCardsSkeleton count={3} />}
         empty={items.length === 0}
         emptyTitle="Нет продлений в выбранном периоде"
         emptyDescription="Активные VPS с расчётной датой оплаты не найдены"
       >
         {() => (
           <div className="flex flex-col gap-4">
+            <SectionCards
+              items={[
+                {
+                  label: 'Просрочено',
+                  value: overdueCount,
+                  icon: <AlertTriangleIcon className="size-4" />,
+                  variant: overdueCount > 0 ? 'destructive' : 'default',
+                },
+                {
+                  label: 'В периоде',
+                  value: items.length,
+                  icon: <ServerIcon className="size-4" />,
+                  hint: `за ${horizon} дн`,
+                },
+                {
+                  label: 'Стоимость продлений',
+                  value: formatCurrency(renewalCost, baseCurrency),
+                  icon: <CoinsIcon className="size-4" />,
+                  hint: baseCurrency,
+                },
+              ]}
+            />
             {grouped.map(([weekLabel, weekItems]) => (
               <Card key={weekLabel}>
                 <CardHeader>