8 files changed, 1283 insertions, 0 deletions
diff --git a/src/features/account-usage/index.ts b/src/features/account-usage/index.ts
new file mode 100644
index 0000000..76204dc
--- /dev/null
+++ b/src/features/account-usage/index.ts
@@ -0,0 +1,41 @@
+export type {
+  AccountUsageDailyCredits,
+  AccountUsageLimit,
+  AccountUsageProviderId,
+  AccountUsageReport,
+  AccountUsageResponse,
+  AccountUsageResult,
+  AccountUsageSettingsResult,
+  AccountUsageState,
+  LoadAccountUsage,
+  SaveAccountUsageSettings,
+  UpdateAccountUsageSettingsRequest,
+} from "./logic/types";
+export type {
+  BarTone,
+  DailyCreditsView,
+  ProviderCardView,
+  UsageBarView,
+} from "./logic/view-model";
+export {
+  anchorFromTimeOfDay,
+  elapsedFraction,
+  formatAge,
+  formatDuration,
+  normalizeAccountUsage,
+  normalizeAccountUsageReport,
+  parseAllowanceInput,
+  toLocalTimeOfDay,
+  viewProviderCard,
+  viewProviderCards,
+  viewUsageBar,
+} from "./logic/view-model";
+export { default as AccountUsageView } from "./ui/AccountUsageView.svelte";
+export { default as DailyCreditsSettings } from "./ui/DailyCreditsSettings.svelte";
+export { default as UsageBar } from "./ui/UsageBar.svelte";
+
+/** Public module manifest — aggregated by the shell's "Loaded Modules" view. */
+export const manifest = {
+  name: "account-usage",
+  description: "Claude + Codex + Hyper subscription usage bars with on-track pace markers",
+} as const;
diff --git a/src/features/account-usage/logic/types.ts b/src/features/account-usage/logic/types.ts
new file mode 100644
index 0000000..ff92590
--- /dev/null
+++ b/src/features/account-usage/logic/types.ts
@@ -0,0 +1,48 @@
+import type {
+  AccountUsageDailyCredits,
+  AccountUsageLimit,
+  AccountUsageProviderId,
+  AccountUsageReport,
+  AccountUsageResponse,
+  AccountUsageState,
+  UpdateAccountUsageSettingsRequest,
+} from "@dispatch/transport-contract";
+
+/**
+ * Pure core types for the account-usage feature — zero DOM, zero effects.
+ *
+ * The backend (`account-usage` extension, transport-contract 0.25.0) polls the
+ * Claude + Codex subscription usage endpoints and caches them (5 min TTL,
+ * failure cooldowns, last-good retention). The FE reads `GET /usage`; a manual
+ * refresh sends `?refresh=1`, which the server still rate-limits.
+ */
+export type {
+  AccountUsageDailyCredits,
+  AccountUsageLimit,
+  AccountUsageProviderId,
+  AccountUsageReport,
+  AccountUsageResponse,
+  AccountUsageState,
+  UpdateAccountUsageSettingsRequest,
+};
+
+/** Outcome of `GET /usage`. `unavailable` = the backend extension isn't loaded (503). */
+export type AccountUsageResult =
+  | { readonly ok: true; readonly usage: AccountUsageResponse }
+  | { readonly ok: false; readonly error: string; readonly unavailable?: boolean };
+
+/** Injected port: load the account usage (`refresh` asks the server to bypass its TTL). */
+export type LoadAccountUsage = (opts?: {
+  readonly refresh?: boolean;
+}) => Promise<AccountUsageResult>;
+
+/** Outcome of `PUT /usage/:provider/settings` — the provider's refreshed report. */
+export type AccountUsageSettingsResult =
+  | { readonly ok: true; readonly report: AccountUsageReport }
+  | { readonly ok: false; readonly error: string };
+
+/** Injected port: update a provider's usage settings (today only `hyper`). */
+export type SaveAccountUsageSettings = (
+  provider: AccountUsageProviderId,
+  settings: UpdateAccountUsageSettingsRequest,
+) => Promise<AccountUsageSettingsResult>;
diff --git a/src/features/account-usage/logic/view-model.test.ts b/src/features/account-usage/logic/view-model.test.ts
new file mode 100644
index 0000000..78390cf
--- /dev/null
+++ b/src/features/account-usage/logic/view-model.test.ts
@@ -0,0 +1,277 @@
+import type { AccountUsageLimit, AccountUsageReport } from "@dispatch/transport-contract";
+import { describe, expect, it } from "vitest";
+import {
+  anchorFromTimeOfDay,
+  elapsedFraction,
+  formatDuration,
+  normalizeAccountUsage,
+  parseAllowanceInput,
+  toLocalTimeOfDay,
+  viewProviderCard,
+  viewUsageBar,
+} from "./view-model";
+
+const HOUR = 3_600_000;
+const DAY = 24 * HOUR;
+const NOW = 1_760_000_000_000;
+
+function limit(over: Partial<AccountUsageLimit> = {}): AccountUsageLimit {
+  return {
+    id: "claude:5h",
+    label: "5 Hour",
+    kind: "window",
+    windowId: "5h",
+    shared: true,
+    tier: null,
+    durationMs: 5 * HOUR,
+    resetsAt: NOW + 2 * HOUR,
+    unit: "percent",
+    used: 40,
+    limit: 100,
+    remaining: 60,
+    usedFraction: 0.4,
+    remainingFraction: 0.6,
+    status: "ok",
+    ...over,
+  };
+}
+
+function report(over: Partial<AccountUsageReport> = {}): AccountUsageReport {
+  return {
+    provider: "claude",
+    label: "Claude",
+    state: "fresh",
+    account: { accountId: "a", email: "[email protected]", planType: "max" },
+    limits: [limit()],
+    limitReached: null,
+    canServe: null,
+    creditOverage: false,
+    credits: null,
+    dailyCredits: null,
+    fetchedAt: NOW - 3 * 60_000,
+    lastAttemptAt: NOW - 3 * 60_000,
+    nextRefreshAt: NOW + 2 * 60_000,
+    error: null,
+    ...over,
+  };
+}
+
+describe("pace marker (elapsedFraction)", () => {
+  it("is halfway two weeks into a four-week window", () => {
+    const resetsAt = NOW + 14 * DAY;
+    expect(elapsedFraction(28 * DAY, resetsAt, NOW)).toBeCloseTo(0.5);
+  });
+
+  it("clamps to 0..1 and is null when the window is unknown", () => {
+    expect(elapsedFraction(5 * HOUR, NOW + 10 * HOUR, NOW)).toBe(0);
+    expect(elapsedFraction(5 * HOUR, NOW - HOUR, NOW)).toBe(1);
+    expect(elapsedFraction(null, NOW, NOW)).toBeNull();
+    expect(elapsedFraction(5 * HOUR, null, NOW)).toBeNull();
+  });
+});
+
+describe("viewUsageBar", () => {
+  it("places the pace marker at elapsed % and labels ahead/under pace", () => {
+    // 5h window resetting in 2h ⇒ 3h elapsed ⇒ 60% pace; used 40% ⇒ 20% under.
+    const bar = viewUsageBar(limit(), NOW);
+    expect(bar.percent).toBe(40);
+    expect(bar.pacePercent).toBeCloseTo(60);
+    expect(bar.paceLabel).toBe("20% under pace");
+    expect(bar.aheadOfPace).toBe(false);
+    expect(bar.resetLabel).toBe("resets in 2h");
+    expect(bar.valueLabel).toBe("40%");
+    expect(bar.tone).toBe("success");
+
+    const ahead = viewUsageBar(limit({ used: 80, usedFraction: 0.8 }), NOW);
+    expect(ahead.paceLabel).toBe("20% ahead of pace");
+    expect(ahead.aheadOfPace).toBe(true);
+    expect(ahead.tone).toBe("warning");
+  });
+
+  it("has no pace marker for spend meters; formats dollars", () => {
+    const spend = viewUsageBar(
+      limit({
+        id: "claude:extra",
+        kind: "spend",
+        unit: "usd",
+        durationMs: null,
+        resetsAt: null,
+        used: 12.5,
+        limit: 50,
+        usedFraction: 0.25,
+      }),
+      NOW,
+    );
+    expect(spend.pacePercent).toBeNull();
+    expect(spend.valueLabel).toBe("$12.50 / $50.00");
+    const uncapped = viewUsageBar(
+      limit({
+        unit: "usd",
+        kind: "spend",
+        limit: null,
+        usedFraction: null,
+        used: 3,
+        durationMs: null,
+      }),
+      NOW,
+    );
+    expect(uncapped.valueLabel).toBe("$3.00 (no cap)");
+    expect(uncapped.percent).toBe(0);
+  });
+
+  it("exhausted → error tone", () => {
+    expect(viewUsageBar(limit({ used: 100, usedFraction: 1, status: "exhausted" }), NOW).tone).toBe(
+      "error",
+    );
+  });
+});
+
+describe("viewProviderCard", () => {
+  it("fresh card with subtitle and age", () => {
+    const c = viewProviderCard(report(), NOW);
+    expect(c.subtitle).toBe("Max · [email protected]");
+    expect(c.stateBadge).toBeNull();
+    expect(c.message).toBeNull();
+    expect(c.ageLabel).toBe("3m ago");
+    expect(c.bars).toHaveLength(1);
+  });
+
+  it("stale / not-configured / unsupported states", () => {
+    const stale = viewProviderCard(report({ state: "stale", error: "HTTP 429" }), NOW);
+    expect(stale.stateBadge).toBe("stale");
+    expect(stale.message).toContain("HTTP 429");
+    const nc = viewProviderCard(
+      report({
+        provider: "codex",
+        label: "Codex",
+        state: "not-configured",
+        limits: [],
+        account: null,
+      }),
+      NOW,
+    );
+    expect(nc.stateBadge).toBe("not configured");
+    expect(nc.message).toContain("Codex");
+    expect(nc.ageLabel).toBeNull();
+    const un = viewProviderCard(
+      report({ state: "unsupported", error: "api key", limits: [] }),
+      NOW,
+    );
+    expect(un.message).toBe("api key");
+  });
+
+  it("credit overage note", () => {
+    const c = viewProviderCard(
+      report({ creditOverage: true, limitReached: true, canServe: true }),
+      NOW,
+    );
+    expect(c.creditNote).toContain("credits");
+  });
+});
+
+describe("normalizeAccountUsage", () => {
+  it("coerces a well-formed body and drops malformed rows", () => {
+    const n = normalizeAccountUsage(
+      {
+        servedAt: 5,
+        providers: [
+          { ...report(), limits: [limit(), { id: "bad" }] },
+          { provider: "gemini" },
+          "junk",
+        ],
+      },
+      0,
+    );
+    expect(n.servedAt).toBe(5);
+    expect(n.providers).toHaveLength(1);
+    expect(n.providers[0]?.limits).toHaveLength(1);
+  });
+
+  it("malformed body → empty", () => {
+    expect(normalizeAccountUsage(null, 9)).toEqual({ providers: [], servedAt: 9 });
+  });
+});
+
+describe("formatDuration", () => {
+  it("formats", () => {
+    expect(formatDuration(30_000)).toBe("<1m");
+    expect(formatDuration(45 * 60_000)).toBe("45m");
+    expect(formatDuration(3 * HOUR + 12 * 60_000)).toBe("3h 12m");
+    expect(formatDuration(2 * DAY + 4 * HOUR)).toBe("2d 4h");
+  });
+});
+
+describe("hyper daily credits", () => {
+  const hyperLimit = limit({
+    id: "hyper:daily",
+    label: "Daily credits",
+    windowId: "1d",
+    unit: "credits",
+    durationMs: DAY,
+    resetsAt: NOW + 12 * HOUR,
+    used: 150,
+    limit: 250,
+    remaining: 100,
+    usedFraction: 0.6,
+  });
+
+  it("formats credits and places the pace marker halfway through the day", () => {
+    const bar = viewUsageBar(hyperLimit, NOW);
+    expect(bar.valueLabel).toBe("150 / 250");
+    expect(bar.pacePercent).toBeCloseTo(50);
+    expect(bar.paceLabel).toBe("10% ahead of pace");
+  });
+
+  it("card exposes balance + reset source", () => {
+    const c = viewProviderCard(
+      report({
+        provider: "hyper",
+        label: "Hyper",
+        account: { accountId: null, email: null, planType: null },
+        limits: [hyperLimit],
+        dailyCredits: { balance: 300, allowance: 250, resetAnchor: null, resetSource: null },
+      }),
+      NOW,
+    );
+    expect(c.daily).toMatchObject({
+      balanceLabel: "300 credits left (incl. bundles)",
+      allowance: 250,
+      resetTime: "",
+      resetSource: null,
+    });
+    expect(c.daily?.resetSourceLabel).toContain("unknown");
+  });
+
+  it("round-trips a local time of day into a past anchor", () => {
+    const now = new Date(2026, 9, 14, 15, 30).getTime();
+    const a = anchorFromTimeOfDay("09:00", now);
+    expect(a).toBe(new Date(2026, 9, 14, 9, 0).getTime());
+    expect(anchorFromTimeOfDay("17:00", now)).toBe(new Date(2026, 9, 13, 17, 0).getTime());
+    expect(toLocalTimeOfDay(a ?? 0)).toBe("09:00");
+    expect(anchorFromTimeOfDay("25:00", now)).toBeNull();
+    expect(anchorFromTimeOfDay("noon", now)).toBeNull();
+  });
+
+  it("parses the allowance input", () => {
+    expect(parseAllowanceInput(" 250 ")).toBe(250);
+    expect(parseAllowanceInput("0")).toBeNull();
+    expect(parseAllowanceInput("2.5")).toBeNull();
+  });
+
+  it("normalizes hyper reports + credit units", () => {
+    const n = normalizeAccountUsage(
+      {
+        providers: [
+          {
+            ...report({ provider: "hyper" }),
+            limits: [hyperLimit],
+            dailyCredits: { balance: 1, allowance: 250, resetAnchor: 5, resetSource: "manual" },
+          },
+        ],
+      },
+      0,
+    );
+    expect(n.providers[0]?.limits[0]?.unit).toBe("credits");
+    expect(n.providers[0]?.dailyCredits?.resetSource).toBe("manual");
+  });
+});
diff --git a/src/features/account-usage/logic/view-model.ts b/src/features/account-usage/logic/view-model.ts
new file mode 100644
index 0000000..17d37a6
--- /dev/null
+++ b/src/features/account-usage/logic/view-model.ts
@@ -0,0 +1,403 @@
+import type {
+  AccountUsageCredits,
+  AccountUsageDailyCredits,
+  AccountUsageLimit,
+  AccountUsageLimitStatus,
+  AccountUsageProviderId,
+  AccountUsageReport,
+  AccountUsageResponse,
+  AccountUsageState,
+} from "@dispatch/transport-contract";
+
+/**
+ * Pure view-models for the account-usage feature — zero DOM, zero effects,
+ * zero Svelte. Coerces the untyped `GET /usage` JSON, and shapes each limit
+ * into a bar: fill %, colour, and the PACE MARKER — where usage "should" be
+ * to use the whole allowance exactly by the reset (elapsed fraction of the
+ * window: 2 weeks into a 4-week window ⇒ 50%).
+ */
+
+// ── Normalization (network seam) ──────────────────────────────────────────────
+
+function isRecord(v: unknown): v is Record<string, unknown> {
+  return typeof v === "object" && v !== null && !Array.isArray(v);
+}
+function num(v: unknown): number | null {
+  return typeof v === "number" && Number.isFinite(v) ? v : null;
+}
+function str(v: unknown): string | null {
+  return typeof v === "string" ? v : null;
+}
+function bool(v: unknown): boolean | null {
+  return typeof v === "boolean" ? v : null;
+}
+
+const STATES: readonly AccountUsageState[] = [
+  "fresh",
+  "stale",
+  "unavailable",
+  "unsupported",
+  "not-configured",
+];
+const STATUSES: readonly AccountUsageLimitStatus[] = ["ok", "warning", "exhausted", "unknown"];
+
+function normalizeLimit(r: Record<string, unknown>): AccountUsageLimit | null {
+  const id = str(r.id);
+  const used = num(r.used);
+  if (id === null || used === null) return null;
+  const status = STATUSES.find((s) => s === r.status) ?? "unknown";
+  return {
+    id,
+    label: str(r.label) ?? id,
+    kind: r.kind === "spend" ? "spend" : "window",
+    windowId: str(r.windowId) ?? "",
+    shared: r.shared === true,
+    tier: str(r.tier),
+    durationMs: num(r.durationMs),
+    resetsAt: num(r.resetsAt),
+    unit: r.unit === "usd" ? "usd" : r.unit === "credits" ? "credits" : "percent",
+    used,
+    limit: num(r.limit),
+    remaining: num(r.remaining),
+    usedFraction: num(r.usedFraction),
+    remainingFraction: num(r.remainingFraction),
+    status,
+  };
+}
+
+function normalizeCredits(v: unknown): AccountUsageCredits | null {
+  if (!isRecord(v)) return null;
+  return {
+    hasCredits: bool(v.hasCredits),
+    unlimited: bool(v.unlimited),
+    overageLimitReached: bool(v.overageLimitReached),
+    balance: num(v.balance),
+    spendControlReached: bool(v.spendControlReached),
+  };
+}
+
+function normalizeDailyCredits(v: unknown): AccountUsageDailyCredits | null {
+  if (!isRecord(v)) return null;
+  const balance = num(v.balance);
+  const allowance = num(v.allowance);
+  if (balance === null || allowance === null) return null;
+  return {
+    balance,
+    allowance,
+    resetAnchor: num(v.resetAnchor),
+    resetSource: v.resetSource === "manual" || v.resetSource === "detected" ? v.resetSource : null,
+  };
+}
+
+const PROVIDER_LABELS: Record<AccountUsageProviderId, string> = {
+  claude: "Claude",
+  codex: "Codex",
+  hyper: "Hyper",
+};
+
+function normalizeReport(r: Record<string, unknown>): AccountUsageReport | null {
+  const provider: AccountUsageProviderId | null =
+    r.provider === "claude" || r.provider === "codex" || r.provider === "hyper" ? r.provider : null;
+  if (provider === null) return null;
+  const account = isRecord(r.account)
+    ? {
+        accountId: str(r.account.accountId),
+        email: str(r.account.email),
+        planType: str(r.account.planType),
+      }
+    : null;
+  const limits = Array.isArray(r.limits)
+    ? r.limits
+        .filter(isRecord)
+        .map(normalizeLimit)
+        .filter((l): l is AccountUsageLimit => l !== null)
+    : [];
+  return {
+    provider,
+    label: str(r.label) ?? PROVIDER_LABELS[provider],
+    state: STATES.find((s) => s === r.state) ?? "unavailable",
+    account,
+    limits,
+    limitReached: bool(r.limitReached),
+    canServe: bool(r.canServe),
+    creditOverage: r.creditOverage === true,
+    credits: normalizeCredits(r.credits),
+    dailyCredits: normalizeDailyCredits(r.dailyCredits),
+    fetchedAt: num(r.fetchedAt),
+    lastAttemptAt: num(r.lastAttemptAt),
+    nextRefreshAt: num(r.nextRefreshAt),
+    error: str(r.error),
+  };
+}
+
+/** Coerce one untyped report (e.g. the `PUT /usage/:provider/settings` body); null if malformed. */
+export function normalizeAccountUsageReport(data: unknown): AccountUsageReport | null {
+  return isRecord(data) ? normalizeReport(data) : null;
+}
+
+/** Coerce the untyped `GET /usage` body. Malformed → empty provider list. */
+export function normalizeAccountUsage(data: unknown, fallbackNow: number): AccountUsageResponse {
+  if (!isRecord(data)) return { providers: [], servedAt: fallbackNow };
+  const providers = Array.isArray(data.providers)
+    ? data.providers
+        .filter(isRecord)
+        .map(normalizeReport)
+        .filter((p): p is AccountUsageReport => p !== null)
+    : [];
+  return { providers, servedAt: num(data.servedAt) ?? fallbackNow };
+}
+
+// ── Formatting ────────────────────────────────────────────────────────────────
+
+/** "2d 4h" / "3h 12m" / "45m" / "<1m". */
+export function formatDuration(ms: number): string {
+  if (ms < 60_000) return "<1m";
+  const totalMin = Math.floor(ms / 60_000);
+  const d = Math.floor(totalMin / 1440);
+  const h = Math.floor((totalMin % 1440) / 60);
+  const m = totalMin % 60;
+  if (d > 0) return h > 0 ? `${d}d ${h}h` : `${d}d`;
+  if (h > 0) return m > 0 ? `${h}h ${m}m` : `${h}h`;
+  return `${m}m`;
+}
+
+/** "updated 3m ago" style age, or "just now". */
+export function formatAge(fetchedAt: number | null, now: number): string | null {
+  if (fetchedAt === null) return null;
+  const ms = now - fetchedAt;
+  return ms < 60_000 ? "just now" : `${formatDuration(ms)} ago`;
+}
+
+function formatUsd(v: number): string {
+  return `$${v.toFixed(2)}`;
+}
+
+/** Whole credits as-is, fractional ones to 1 decimal ("150", "12.5"). */
+function formatCredits(v: number): string {
+  return Number.isInteger(v) ? String(v) : v.toFixed(1);
+}
+
+// ── Bars ──────────────────────────────────────────────────────────────────────
+
+export type BarTone = "success" | "warning" | "error" | "neutral";
+
+export interface UsageBarView {
+  readonly id: string;
+  readonly label: string;
+  /** Fill 0..100 for the `<progress>` value. */
+  readonly percent: number;
+  /** "42%" or "$12.50 / $50.00". */
+  readonly valueLabel: string;
+  readonly tone: BarTone;
+  /**
+   * Pace marker position 0..100 (% of the window elapsed) — the usage level
+   * that would be "on track" to exactly use the allowance by the reset. Null
+   * when the window's start can't be determined (no duration/reset).
+   */
+  readonly pacePercent: number | null;
+  /** "+12% ahead of pace" / "8% under pace" / null. */
+  readonly paceLabel: string | null;
+  /** True when usage is ahead of the pace marker. */
+  readonly aheadOfPace: boolean;
+  /** "resets in 3h 12m" / null. */
+  readonly resetLabel: string | null;
+}
+
+/**
+ * Fraction (0..1) of the window elapsed at `now`. The window started at
+ * `resetsAt - durationMs`; returns null when either is unknown.
+ */
+export function elapsedFraction(
+  durationMs: number | null,
+  resetsAt: number | null,
+  now: number,
+): number | null {
+  if (durationMs === null || resetsAt === null || durationMs <= 0) return null;
+  const start = resetsAt - durationMs;
+  return Math.min(1, Math.max(0, (now - start) / durationMs));
+}
+
+function toneFor(status: AccountUsageLimitStatus, usedFraction: number | null): BarTone {
+  if (status === "exhausted") return "error";
+  if (status === "warning") return "warning";
+  if (status === "ok") return usedFraction !== null && usedFraction >= 0.75 ? "warning" : "success";
+  return "neutral";
+}
+
+export function viewUsageBar(limit: AccountUsageLimit, now: number): UsageBarView {
+  const fraction = limit.usedFraction;
+  const percent = fraction === null ? 0 : Math.min(100, Math.max(0, fraction * 100));
+  let valueLabel: string;
+  if (limit.unit === "usd") {
+    valueLabel =
+      limit.limit === null
+        ? `${formatUsd(limit.used)} (no cap)`
+        : `${formatUsd(limit.used)} / ${formatUsd(limit.limit)}`;
+  } else if (limit.unit === "credits") {
+    valueLabel =
+      limit.limit === null
+        ? `${formatCredits(limit.used)} used`
+        : `${formatCredits(limit.used)} / ${formatCredits(limit.limit)}`;
+  } else {
+    valueLabel = `${Math.round(limit.used)}%`;
+  }
+  const elapsed = elapsedFraction(limit.durationMs, limit.resetsAt, now);
+  const pacePercent = elapsed === null ? null : elapsed * 100;
+  let paceLabel: string | null = null;
+  let aheadOfPace = false;
+  if (pacePercent !== null && fraction !== null) {
+    const diff = Math.round(percent - pacePercent);
+    aheadOfPace = diff > 0;
+    paceLabel =
+      diff === 0 ? "on pace" : diff > 0 ? `${diff}% ahead of pace` : `${-diff}% under pace`;
+  }
+  const resetLabel =
+    limit.resetsAt === null
+      ? null
+      : limit.resetsAt <= now
+        ? "resetting"
+        : `resets in ${formatDuration(limit.resetsAt - now)}`;
+  return {
+    id: limit.id,
+    label: limit.label,
+    percent,
+    valueLabel,
+    tone: toneFor(limit.status, fraction),
+    pacePercent,
+    paceLabel,
+    aheadOfPace,
+    resetLabel,
+  };
+}
+
+// ── Provider cards ────────────────────────────────────────────────────────────
+
+export interface ProviderCardView {
+  readonly provider: AccountUsageProviderId;
+  readonly label: string;
+  /** "Pro · [email protected]" / null. */
+  readonly subtitle: string | null;
+  readonly state: AccountUsageState;
+  /** Badge text for non-fresh states ("stale", "unavailable", …) or null when fresh. */
+  readonly stateBadge: string | null;
+  /** Explanatory line for empty/non-fresh states, else null. */
+  readonly message: string | null;
+  readonly bars: readonly UsageBarView[];
+  /** "updated 3m ago" / null. */
+  readonly ageLabel: string | null;
+  /** Credit-overage note (Codex), or null. */
+  readonly creditNote: string | null;
+  /** Daily-credit details + editable settings (Hyper), or null. */
+  readonly daily: DailyCreditsView | null;
+}
+
+export interface DailyCreditsView {
+  /** "100 credits left" (+ " (incl. bundles)" when the balance exceeds the allowance). */
+  readonly balanceLabel: string;
+  readonly allowance: number;
+  /** The reset anchor as a local `HH:MM` (for a time input), or "" when unknown. */
+  readonly resetTime: string;
+  /** "set manually" / "detected from a refill (approx.)" / "unknown — set it to enable the pace marker". */
+  readonly resetSourceLabel: string;
+  readonly resetSource: "manual" | "detected" | null;
+}
+
+/** Local `HH:MM` of an epoch-ms instant (time-of-day only; resets recur daily). */
+export function toLocalTimeOfDay(epochMs: number): string {
+  const d = new Date(epochMs);
+  return `${String(d.getHours()).padStart(2, "0")}:${String(d.getMinutes()).padStart(2, "0")}`;
+}
+
+/**
+ * Parse a local `HH:MM` into a reset anchor: the most recent occurrence of that
+ * local time at or before `now` (any occurrence works — resets recur daily).
+ * Null for malformed input.
+ */
+export function anchorFromTimeOfDay(hhmm: string, now: number): number | null {
+  const m = /^(\d{1,2}):(\d{2})$/.exec(hhmm.trim());
+  if (!m) return null;
+  const h = Number(m[1]);
+  const min = Number(m[2]);
+  if (h > 23 || min > 59) return null;
+  const d = new Date(now);
+  d.setHours(h, min, 0, 0);
+  if (d.getTime() > now) d.setDate(d.getDate() - 1);
+  return d.getTime();
+}
+
+/** Parse a positive-integer allowance input; null when invalid. */
+export function parseAllowanceInput(raw: string): number | null {
+  const t = raw.trim();
+  if (!/^\d+$/.test(t)) return null;
+  const n = Number(t);
+  return n > 0 && n <= 1_000_000_000 ? n : null;
+}
+
+function viewDailyCredits(d: AccountUsageDailyCredits): DailyCreditsView {
+  return {
+    balanceLabel: `${formatCredits(d.balance)} credits left${d.balance > d.allowance ? " (incl. bundles)" : ""}`,
+    allowance: d.allowance,
+    resetTime: d.resetAnchor === null ? "" : toLocalTimeOfDay(d.resetAnchor),
+    resetSourceLabel:
+      d.resetSource === "manual"
+        ? "set manually"
+        : d.resetSource === "detected"
+          ? "detected from a refill (approx.)"
+          : "unknown — set it to enable the pace marker",
+    resetSource: d.resetSource,
+  };
+}
+
+function stateMessage(r: AccountUsageReport): string | null {
+  switch (r.state) {
+    case "fresh":
+      return r.limits.length === 0 ? "No quota windows reported." : null;
+    case "stale":
+      return `Showing last known usage — refresh failed${r.error ? ` (${r.error})` : ""}.`;
+    case "unavailable":
+      return `Usage unavailable${r.error ? `: ${r.error}` : "."}`;
+    case "unsupported":
+      return r.error ?? "This credential type can't report subscription usage.";
+    case "not-configured":
+      if (r.provider === "hyper") return "No Hyper API key configured (HYPER_API_KEY).";
+      return r.provider === "claude"
+        ? "Not signed in to Claude (no OAuth credentials)."
+        : "Not signed in to Codex (no ChatGPT OAuth credentials).";
+  }
+}
+
+function capitalize(s: string): string {
+  return s.length === 0 ? s : s[0]?.toUpperCase() + s.slice(1);
+}
+
+export function viewProviderCard(r: AccountUsageReport, now: number): ProviderCardView {
+  const parts = [
+    r.account?.planType ? capitalize(r.account.planType) : null,
+    r.account?.email ?? null,
+  ].filter((p): p is string => p !== null && p !== "");
+  let creditNote: string | null = null;
+  if (r.creditOverage) {
+    creditNote = "Plan allowance used — requests are being funded by credits.";
+  } else if (r.limitReached === true && r.canServe === false) {
+    creditNote = "Plan limit reached — requests are blocked until reset.";
+  }
+  return {
+    provider: r.provider,
+    label: r.label,
+    subtitle: parts.length > 0 ? parts.join(" · ") : null,
+    state: r.state,
+    stateBadge: r.state === "fresh" ? null : r.state.replace("-", " "),
+    message: stateMessage(r),
+    bars: r.limits.map((l) => viewUsageBar(l, now)),
+    ageLabel: r.state === "fresh" || r.state === "stale" ? formatAge(r.fetchedAt, now) : null,
+    creditNote,
+    daily: r.dailyCredits ? viewDailyCredits(r.dailyCredits) : null,
+  };
+}
+
+export function viewProviderCards(
+  usage: AccountUsageResponse,
+  now: number,
+): readonly ProviderCardView[] {
+  return usage.providers.map((p) => viewProviderCard(p, now));
+}
diff --git a/src/features/account-usage/ui/AccountUsageView.svelte b/src/features/account-usage/ui/AccountUsageView.svelte
new file mode 100644
index 0000000..2a7a589
--- /dev/null
+++ b/src/features/account-usage/ui/AccountUsageView.svelte
@@ -0,0 +1,155 @@
+<script lang="ts">
+  import { untrack } from "svelte";
+  import type {
+    AccountUsageReport,
+    AccountUsageResponse,
+    LoadAccountUsage,
+    SaveAccountUsageSettings,
+  } from "../logic/types";
+  import { viewProviderCards } from "../logic/view-model";
+  import DailyCreditsSettings from "./DailyCreditsSettings.svelte";
+  import UsageBar from "./UsageBar.svelte";
+
+  let {
+    load,
+    saveSettings,
+    now = () => Date.now(),
+    pollMs = 60_000,
+  }: {
+    load: LoadAccountUsage;
+    /** Save per-provider settings (Hyper allowance + reset time). */
+    saveSettings: SaveAccountUsageSettings;
+    /** Injected clock (tests). */
+    now?: () => number;
+    /** How often to re-read `GET /usage` (served from the backend cache). */
+    pollMs?: number;
+  } = $props();
+
+  let usage = $state<AccountUsageResponse | null>(null);
+  let error = $state<string | null>(null);
+  let refreshing = $state(false);
+  let inFlight = false;
+  /** Ticks so the pace marker + "resets in" labels advance between polls. */
+  let clock = $state(untrack(() => now()));
+
+  const cards = $derived(usage ? viewProviderCards(usage, clock) : []);
+
+  async function refresh(force: boolean): Promise<void> {
+    if (inFlight) return;
+    inFlight = true;
+    if (force) refreshing = true;
+    const result = await load(force ? { refresh: true } : undefined);
+    inFlight = false;
+    refreshing = false;
+    clock = now();
+    if (result.ok) {
+      usage = result.usage;
+      error = null;
+    } else {
+      error = result.unavailable
+        ? "Account usage is unavailable (backend extension not loaded)."
+        : result.error;
+    }
+  }
+
+  /** Splice a provider's refreshed report (from a settings save) into the view. */
+  function replaceReport(report: AccountUsageReport): void {
+    clock = now();
+    if (!usage) return;
+    usage = {
+      ...usage,
+      providers: usage.providers.map((p) => (p.provider === report.provider ? report : p)),
+    };
+  }
+
+  $effect(() => {
+    const interval = untrack(() => pollMs);
+    untrack(() => void refresh(false));
+    const poll = setInterval(() => void refresh(false), interval);
+    const tick = setInterval(() => {
+      clock = now();
+    }, 30_000);
+    return () => {
+      clearInterval(poll);
+      clearInterval(tick);
+    };
+  });
+</script>
+
+<div class="flex flex-col gap-3">
+  <div class="flex items-center justify-between gap-2">
+    <h3 class="text-xs font-semibold uppercase opacity-60">Subscription usage</h3>
+    <button
+      type="button"
+      class="btn btn-ghost btn-xs"
+      onclick={() => void refresh(true)}
+      disabled={refreshing}
+      aria-label="Refresh account usage"
+    >
+      {#if refreshing}<span class="loading loading-spinner loading-xs"></span>{/if}
+      Refresh
+    </button>
+  </div>
+
+  {#if error}
+    <p class="text-xs text-error">{error}</p>
+  {/if}
+
+  {#if usage === null && error === null}
+    <p class="text-xs opacity-60">Loading…</p>
+  {/if}
+
+  {#each cards as card (card.provider)}
+    <section class="flex flex-col gap-2 rounded-box bg-base-200 p-2" aria-label="{card.label} usage">
+      <div class="flex items-start justify-between gap-2">
+        <div class="flex min-w-0 flex-col">
+          <span class="text-sm font-semibold">{card.label}</span>
+          {#if card.subtitle}
+            <span class="truncate text-[11px] opacity-60">{card.subtitle}</span>
+          {/if}
+        </div>
+        <div class="flex shrink-0 flex-col items-end gap-0.5">
+          {#if card.stateBadge}
+            <span
+              class="badge badge-xs"
+              class:badge-warning={card.state === "stale"}
+              class:badge-error={card.state === "unavailable"}
+              class:badge-ghost={card.state === "unsupported" || card.state === "not-configured"}
+              >{card.stateBadge}</span
+            >
+          {/if}
+          {#if card.ageLabel}
+            <span class="text-[11px] opacity-50">updated {card.ageLabel}</span>
+          {/if}
+        </div>
+      </div>
+
+      {#if card.message}
+        <p class="text-xs opacity-70">{card.message}</p>
+      {/if}
+      {#if card.creditNote}
+        <p class="text-xs text-warning">{card.creditNote}</p>
+      {/if}
+
+      {#each card.bars as bar (bar.id)}
+        <UsageBar {bar} />
+      {/each}
+
+      {#if card.daily}
+        <DailyCreditsSettings
+          daily={card.daily}
+          save={saveSettings}
+          onSaved={replaceReport}
+          {now}
+        />
+      {/if}
+    </section>
+  {/each}
+
+  {#if cards.some((c) => c.bars.some((b) => b.pacePercent !== null))}
+    <p class="flex items-center gap-1.5 text-[11px] opacity-50">
+      <span class="inline-block size-2 rounded-full bg-base-content"></span>
+      on-track pace — usage that would exactly use the allowance by its reset
+    </p>
+  {/if}
+</div>
diff --git a/src/features/account-usage/ui/AccountUsageView.test.ts b/src/features/account-usage/ui/AccountUsageView.test.ts
new file mode 100644
index 0000000..ec1e51b
--- /dev/null
+++ b/src/features/account-usage/ui/AccountUsageView.test.ts
@@ -0,0 +1,184 @@
+import type { AccountUsageResponse } from "@dispatch/transport-contract";
+import { render, screen } from "@testing-library/svelte";
+import userEvent from "@testing-library/user-event";
+import { describe, expect, it } from "vitest";
+import type {
+  AccountUsageResult,
+  AccountUsageSettingsResult,
+  SaveAccountUsageSettings,
+} from "../logic/types";
+import AccountUsageView from "./AccountUsageView.svelte";
+
+const NOW = 1_760_000_000_000;
+
+const noSave: SaveAccountUsageSettings = async () => ({ ok: false, error: "unused" });
+const DAY = 86_400_000;
+
+const usage: AccountUsageResponse = {
+  servedAt: NOW,
+  providers: [
+    {
+      provider: "claude",
+      label: "Claude",
+      state: "fresh",
+      account: { accountId: "a", email: "[email protected]", planType: "max" },
+      limits: [
+        {
+          id: "claude:7d",
+          label: "7 Day",
+          kind: "window",
+          windowId: "7d",
+          shared: true,
+          tier: null,
+          durationMs: 28 * DAY,
+          resetsAt: NOW + 14 * DAY,
+          unit: "percent",
+          used: 30,
+          limit: 100,
+          remaining: 70,
+          usedFraction: 0.3,
+          remainingFraction: 0.7,
+          status: "ok",
+        },
+      ],
+      limitReached: null,
+      canServe: null,
+      creditOverage: false,
+      credits: null,
+      dailyCredits: null,
+      fetchedAt: NOW,
+      lastAttemptAt: NOW,
+      nextRefreshAt: NOW + 300_000,
+      error: null,
+    },
+    {
+      provider: "codex",
+      label: "Codex",
+      state: "not-configured",
+      account: null,
+      limits: [],
+      limitReached: null,
+      canServe: null,
+      creditOverage: false,
+      credits: null,
+      dailyCredits: null,
+      fetchedAt: null,
+      lastAttemptAt: NOW,
+      nextRefreshAt: NOW + 30_000,
+      error: "No Codex OAuth credentials",
+    },
+  ],
+};
+
+describe("AccountUsageView", () => {
+  it("renders a daisyUI progress bar with a pace marker at the elapsed position", async () => {
+    const calls: Array<{ refresh?: boolean } | undefined> = [];
+    const load = async (opts?: { refresh?: boolean }): Promise<AccountUsageResult> => {
+      calls.push(opts);
+      return { ok: true, usage };
+    };
+    render(AccountUsageView, { load, saveSettings: noSave, now: () => NOW });
+    const bar = await screen.findByLabelText("7 Day usage");
+    expect(bar.tagName).toBe("PROGRESS");
+    expect(bar.classList.contains("progress")).toBe(true);
+    expect(bar.getAttribute("value")).toBe("30");
+    const marker = screen.getByTestId("pace-marker");
+    expect(marker.getAttribute("style")).toContain("left: 50%");
+    expect(screen.getByText("20% under pace")).toBeTruthy();
+    expect(screen.getByText(/Not signed in to Codex/)).toBeTruthy();
+
+    await userEvent.click(screen.getByRole("button", { name: "Refresh account usage" }));
+    expect(calls.at(-1)).toEqual({ refresh: true });
+  });
+
+  it("shows the unavailable message on 503", async () => {
+    const load = async (): Promise<AccountUsageResult> => ({
+      ok: false,
+      error: "x",
+      unavailable: true,
+    });
+    render(AccountUsageView, { load, saveSettings: noSave, now: () => NOW });
+    expect(await screen.findByText(/backend extension not loaded/)).toBeTruthy();
+  });
+
+  it("edits the Hyper allowance + reset time and splices the saved report", async () => {
+    const hyper = {
+      provider: "hyper" as const,
+      label: "Hyper",
+      state: "fresh" as const,
+      account: { accountId: null, email: null, planType: null },
+      limits: [
+        {
+          id: "hyper:daily",
+          label: "Daily credits",
+          kind: "window" as const,
+          windowId: "1d",
+          shared: true,
+          tier: null,
+          durationMs: DAY,
+          resetsAt: null,
+          unit: "credits" as const,
+          used: 150,
+          limit: 250,
+          remaining: 100,
+          usedFraction: 0.6,
+          remainingFraction: 0.4,
+          status: "ok" as const,
+        },
+      ],
+      limitReached: null,
+      canServe: true,
+      creditOverage: false,
+      credits: null,
+      dailyCredits: { balance: 100, allowance: 250, resetAnchor: null, resetSource: null },
+      fetchedAt: NOW,
+      lastAttemptAt: NOW,
+      nextRefreshAt: NOW + 300_000,
+      error: null,
+    };
+    const load = async (): Promise<AccountUsageResult> => ({
+      ok: true,
+      usage: { servedAt: NOW, providers: [hyper] },
+    });
+    const saved: Array<Parameters<SaveAccountUsageSettings>[1]> = [];
+    const saveSettings: SaveAccountUsageSettings = async (_p, settings) => {
+      saved.push(settings);
+      const r: AccountUsageSettingsResult = {
+        ok: true,
+        report: {
+          ...hyper,
+          limits: [
+            {
+              ...(hyper.limits[0] as (typeof hyper.limits)[0]),
+              limit: 300,
+              resetsAt: NOW + DAY / 2,
+            },
+          ],
+          dailyCredits: {
+            balance: 100,
+            allowance: 300,
+            resetAnchor: NOW - DAY / 2,
+            resetSource: "manual",
+          },
+        },
+      };
+      return r;
+    };
+    render(AccountUsageView, { load, saveSettings, now: () => NOW });
+    expect(await screen.findByText("150 / 250")).toBeTruthy();
+    expect(screen.queryByTestId("pace-marker")).toBeNull();
+
+    await userEvent.click(screen.getByRole("button", { name: "Edit Hyper credit settings" }));
+    const allowance = screen.getByLabelText("Daily credit allowance");
+    await userEvent.clear(allowance);
+    await userEvent.type(allowance, "300");
+    const time = screen.getByLabelText("Daily credit reset time") as HTMLInputElement;
+    await userEvent.type(time, "09:00");
+    await userEvent.click(screen.getByRole("button", { name: "Save Hyper credit settings" }));
+
+    expect(saved[0]?.dailyAllowance).toBe(300);
+    expect(typeof saved[0]?.resetAnchor).toBe("number");
+    expect(await screen.findByText(/set manually/)).toBeTruthy();
+    expect(screen.getByTestId("pace-marker")).toBeTruthy();
+  });
+});
diff --git a/src/features/account-usage/ui/DailyCreditsSettings.svelte b/src/features/account-usage/ui/DailyCreditsSettings.svelte
new file mode 100644
index 0000000..7ed710a
--- /dev/null
+++ b/src/features/account-usage/ui/DailyCreditsSettings.svelte
@@ -0,0 +1,126 @@
+<script lang="ts">
+  import { untrack } from "svelte";
+  import type { AccountUsageReport, SaveAccountUsageSettings } from "../logic/types";
+  import {
+    anchorFromTimeOfDay,
+    type DailyCreditsView,
+    parseAllowanceInput,
+  } from "../logic/view-model";
+
+  let {
+    daily,
+    save,
+    onSaved,
+    now = () => Date.now(),
+  }: {
+    daily: DailyCreditsView;
+    save: SaveAccountUsageSettings;
+    /** Receives the refreshed report after a successful save. */
+    onSaved: (report: AccountUsageReport) => void;
+    now?: () => number;
+  } = $props();
+
+  let editing = $state(false);
+  let allowanceInput = $state("");
+  let timeInput = $state("");
+  let saving = $state(false);
+  let error = $state<string | null>(null);
+
+  const parsedAllowance = $derived(parseAllowanceInput(allowanceInput));
+  const timeValid = $derived(timeInput === "" || anchorFromTimeOfDay(timeInput, now()) !== null);
+
+  function startEdit(): void {
+    untrack(() => {
+      allowanceInput = String(daily.allowance);
+      timeInput = daily.resetTime;
+    });
+    error = null;
+    editing = true;
+  }
+
+  async function submit(): Promise<void> {
+    if (parsedAllowance === null || !timeValid) return;
+    saving = true;
+    error = null;
+    // Empty time clears a MANUAL anchor (a detected one may still apply).
+    const resetAnchor = timeInput === "" ? null : anchorFromTimeOfDay(timeInput, now());
+    const result = await save("hyper", { dailyAllowance: parsedAllowance, resetAnchor });
+    saving = false;
+    if (result.ok) {
+      editing = false;
+      onSaved(result.report);
+    } else {
+      error = result.error;
+    }
+  }
+</script>
+
+<div class="flex flex-col gap-1 text-[11px]">
+  <div class="flex items-center justify-between gap-2">
+    <span class="opacity-70">{daily.balanceLabel}</span>
+    {#if !editing}
+      <button
+        type="button"
+        class="btn btn-ghost btn-xs"
+        onclick={startEdit}
+        aria-label="Edit Hyper credit settings">Edit</button
+      >
+    {/if}
+  </div>
+  {#if !editing}
+    <span class="opacity-60">
+      Daily allowance {daily.allowance} · resets {daily.resetTime || "—"} ({daily.resetSourceLabel})
+    </span>
+  {:else}
+    <form
+      class="flex flex-col gap-1"
+      onsubmit={(e) => {
+        e.preventDefault();
+        void submit();
+      }}
+    >
+      <label class="flex items-center justify-between gap-2">
+        <span>Daily allowance</span>
+        <input
+          type="text"
+          inputmode="numeric"
+          class="input input-bordered input-xs w-20 font-mono"
+          class:input-error={parsedAllowance === null}
+          aria-label="Daily credit allowance"
+          bind:value={allowanceInput}
+          disabled={saving}
+        />
+      </label>
+      <label class="flex items-center justify-between gap-2">
+        <span>Reset time (local)</span>
+        <input
+          type="time"
+          class="input input-bordered input-xs w-24 font-mono"
+          class:input-error={!timeValid}
+          aria-label="Daily credit reset time"
+          bind:value={timeInput}
+          disabled={saving}
+        />
+      </label>
+      <span class="opacity-50">Leave the time empty to use the auto-detected refill time.</span>
+      {#if error}<span class="text-error">{error}</span>{/if}
+      <div class="flex justify-end gap-1">
+        <button
+          type="button"
+          class="btn btn-ghost btn-xs"
+          onclick={() => (editing = false)}
+          disabled={saving}>Cancel</button
+        >
+        <button
+          type="submit"
+          class="btn btn-primary btn-xs"
+          disabled={saving || parsedAllowance === null || !timeValid}
+          aria-label="Save Hyper credit settings"
+        >
+          {#if saving}<span class="loading loading-spinner loading-xs"></span>{/if}
+          Save
+        </button>
+      </div>
+    </form>
+  {/if}
+</div>
diff --git a/src/features/account-usage/ui/UsageBar.svelte b/src/features/account-usage/ui/UsageBar.svelte
new file mode 100644
index 0000000..f4298c1
--- /dev/null
+++ b/src/features/account-usage/ui/UsageBar.svelte
@@ -0,0 +1,49 @@
+<script lang="ts">
+  import type { UsageBarView } from "../logic/view-model";
+
+  let { bar }: { bar: UsageBarView } = $props();
+
+  const progressClass = $derived(
+    {
+      success: "progress-success",
+      warning: "progress-warning",
+      error: "progress-error",
+      neutral: "",
+    }[bar.tone],
+  );
+</script>
+
+<div class="flex flex-col gap-0.5" data-testid="usage-bar" data-limit-id={bar.id}>
+  <div class="flex items-baseline justify-between gap-2 text-xs">
+    <span class="truncate font-medium">{bar.label}</span>
+    <span class="shrink-0 font-mono tabular-nums">{bar.valueLabel}</span>
+  </div>
+  <div class="relative flex items-center">
+    <progress
+      class="progress h-2 w-full {progressClass}"
+      value={bar.percent}
+      max="100"
+      aria-label="{bar.label} usage"
+    ></progress>
+    {#if bar.pacePercent !== null}
+      <!-- Pace marker: where usage would be if spread evenly to the reset. -->
+      <span
+        class="pointer-events-none absolute top-1/2 size-2.5 -translate-x-1/2 -translate-y-1/2 rounded-full border-2 border-base-100 bg-base-content"
+        style="left: {bar.pacePercent}%"
+        data-testid="pace-marker"
+        title="On-track pace: {Math.round(bar.pacePercent)}%"
+        aria-hidden="true"
+      ></span>
+    {/if}
+  </div>
+  {#if bar.resetLabel || bar.paceLabel}
+    <div class="flex justify-between gap-2 text-[11px] opacity-60">
+      <span>{bar.resetLabel ?? ""}</span>
+      {#if bar.paceLabel}
+        <span class:text-warning={bar.aheadOfPace} class:opacity-100={bar.aheadOfPace}
+          >{bar.paceLabel}</span
+        >
+      {/if}
+    </div>
+  {/if}
+</div>