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diff --git a/Monzo/main.py b/Monzo/main.py
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+++ b/Monzo/main.py
@@ -0,0 +1,749 @@
+#!/usr/bin/env python3
+"""
+Monzo Bank Statement Generator
+Pixel-perfect replica with editable fields and transaction management
+"""
+
+import sys
+import os
+from datetime import datetime, date
+from PyQt6.QtWidgets import (
+    QApplication, QMainWindow, QWidget, QVBoxLayout, QHBoxLayout,
+    QLabel, QLineEdit, QPushButton, QTableWidget, QTableWidgetItem,
+    QFileDialog, QMessageBox, QGroupBox, QDateEdit, QDateTimeEdit,
+    QHeaderView, QComboBox, QFrame, QScrollArea, QSplitter, QSpinBox,
+    QDoubleSpinBox
+)
+from PyQt6.QtCore import Qt, QDate, QDateTime
+from PyQt6.QtGui import QFont, QColor, QPalette
+
+from reportlab.lib.pagesizes import letter
+from reportlab.pdfgen import canvas
+from reportlab.lib.utils import ImageReader
+from reportlab.pdfbase import pdfmetrics
+from reportlab.pdfbase.ttfonts import TTFont
+import io
+
+# ── PDF page dimensions (points, same as original) ──────────────────────────
+PAGE_W, PAGE_H = 612, 792
+
+LOGO_PATH = os.path.join(os.path.dirname(os.path.abspath(__file__)), "monzo_logo.png")
+
+
+def hex2rgb(h):
+    h = h.lstrip("#")
+    return tuple(int(h[i:i+2], 16) / 255 for i in (0, 2, 4))
+
+
+# ── Font registration ─────────────────────────────────────────────────────────
+def _register_fonts():
+    from reportlab.pdfbase import pdfmetrics
+    from reportlab.pdfbase.ttfonts import TTFont
+
+    # Script directory — fonts are bundled alongside the .py file
+    BASE = os.path.dirname(os.path.abspath(__file__))
+
+    # Prefer bundled fonts (work on all platforms)
+    # Fall back to system paths on Linux/macOS if bundles are missing
+    candidates = {
+        "CarlitoBold": [
+            os.path.join(BASE, "Carlito-Bold.ttf"),
+            "/usr/share/fonts/truetype/crosextra/Carlito-Bold.ttf",
+        ],
+        "Carlito": [
+            os.path.join(BASE, "Carlito-Regular.ttf"),
+            "/usr/share/fonts/truetype/crosextra/Carlito-Regular.ttf",
+        ],
+        "LibSans": [
+            os.path.join(BASE, "LiberationSans-Regular.ttf"),
+            "/usr/share/fonts/truetype/liberation/LiberationSans-Regular.ttf",
+        ],
+        "LibSansBold": [
+            os.path.join(BASE, "LiberationSans-Bold.ttf"),
+            "/usr/share/fonts/truetype/liberation/LiberationSans-Bold.ttf",
+        ],
+    }
+    for name, paths in candidates.items():
+        for path in paths:
+            if os.path.exists(path):
+                pdfmetrics.registerFont(TTFont(name, path))
+                break
+        else:
+            raise FileNotFoundError(
+                f"Font '{name}' not found. Please place the .ttf files "
+                f"in the same folder as this script:\n"
+                f"  Carlito-Bold.ttf, Carlito-Regular.ttf,\n"
+                f"  LiberationSans-Bold.ttf, LiberationSans-Regular.ttf"
+            )
+
+_register_fonts()
+
+
+# ── PDF Generation ───────────────────────────────────────────────────────────
+def generate_pdf(data: dict, output_path: str):
+    """Generate a pixel-perfect Monzo statement PDF."""
+    from reportlab.lib.utils import simpleSplit
+
+    c = canvas.Canvas(output_path, pagesize=(PAGE_W, PAGE_H))
+
+    # Helper: convert pdfplumber 'top' coord to ReportLab y
+    def y(top): return PAGE_H - top
+
+    # ── Logo ──────────────────────────────────────────────────────────────────
+    # Original: x0=59, top=60.35, width=155.25, height=34.7
+    if os.path.exists(LOGO_PATH):
+        c.drawImage(LOGO_PATH, 59, y(95.05), width=155.25, height=34.7,
+                    preserveAspectRatio=True)
+
+    # ── "Statement" — Carlito-Bold 18pt, baseline at top=67.0 ────────────────
+    c.setFont("CarlitoBold", 18)
+    c.setFillColorRGB(0, 0, 0)
+    c.drawRightString(552.6, y(85.0), "Statement")
+
+    # ── Date range — LiberationSans-Bold 12pt, top=93.7 ──────────────────────
+    c.setFont("LibSansBold", 12)
+    c.setFillColorRGB(0, 0, 0)
+    c.drawRightString(552.6, y(105.7), f"{data['date_from']} - {data['date_to']}")
+
+    # ── Name — LiberationSans-Bold 10pt, top=121.1 ───────────────────────────
+    c.setFont("LibSansBold", 10)
+    c.drawString(59.5, y(131.1), data['name'].upper())
+
+    # ── Address — LiberationSans 10pt, first line top=134.6, leading=11.5 ────
+    c.setFont("LibSans", 10)
+    addr_lines = data['address'].split('\n')
+    addr_top = 134.6
+    for line in addr_lines:
+        c.drawString(59.5, y(addr_top + 10), line)
+        addr_top += 11.5
+
+    # ── Right col: £420.75 (total balance) — LibSansBold 10pt, top=121.1 ────
+    total_balance = data['total_balance']
+    c.setFont("LibSansBold", 10)
+    c.drawRightString(552.6, y(131.1), f"\xa3{total_balance:.2f}")
+
+    # "Total balance" — LibSans 10pt, top=134.6
+    c.setFont("LibSans", 10)
+    c.setFillColorRGB(0, 0, 0)
+    c.drawRightString(552.6, y(144.6), "Total balance")
+
+    # "(Including pots)" — LibSans 7pt, top=148.2, gray
+    c.setFont("LibSans", 7)
+    c.setFillColorRGB(0.6, 0.6, 0.6)
+    c.drawRightString(552.6, y(155.2), "(Including pots)")
+    c.setFillColorRGB(0, 0, 0)
+
+    # ── £420.75 (balance held with Monzo) — LibSansBold 10pt, top=182.5 ─────
+    c.setFont("LibSansBold", 10)
+    c.drawRightString(552.6, y(192.5), f"\xa3{total_balance:.2f}")
+
+    # "Balance held with Monzo" — LibSans 7pt, top=196.2
+    c.setFont("LibSans", 7)
+    c.drawRightString(552.6, y(203.2), "Balance held with Monzo")
+
+    # ── -£273.75 — LiberationSans 14pt, top=222.6 ────────────────────────────
+    c.setFont("LibSans", 14)
+    c.drawRightString(552.6, y(236.6), f"-\xa3{abs(data['total_outgoings']):.2f}")
+
+    # "Total outgoings" — LibSans 10pt, top=239.0
+    c.setFont("LibSans", 10)
+    c.drawRightString(552.6, y(249.0), "Total outgoings")
+
+    # ── +£206.09 — Carlito (regular) 14pt, top=266.1 ─────────────────────────
+    c.setFont("Carlito", 14)
+    c.drawRightString(552.6, y(280.1), f"+\xa3{abs(data['total_incomes']):.2f}")
+
+    # "Total incomes" — LibSans 10pt, top=283.0
+    c.setFont("LibSans", 10)
+    c.drawRightString(552.6, y(293.0), "Total incomes")
+
+    # ── "Issued on:" — Carlito-Bold 11pt, top=310.2 ──────────────────────────
+    c.setFont("CarlitoBold", 11)
+    c.setFillColorRGB(0, 0, 0)
+    c.drawRightString(552.6, y(321.2), f"Issued on: {data['issued_on']}")
+
+    # ── Separator line — light gray 1.5pt, top=338.15 ────────────────────────
+    c.setStrokeColorRGB(0.851, 0.851, 0.851)
+    c.setLineWidth(1.5)
+    c.line(54, y(338.15), 558, y(338.15))
+
+    # ── Table header — Carlito-Bold 11pt ─────────────────────────────────────
+    # "Date" and "Description" sit on the bottom line (top=378.9)
+    # "(GBP)" sits on a line above (top≈368), "Amount"/"Balance" on bottom line
+    c.setFont("CarlitoBold", 11)
+    c.setFillColorRGB(0, 0, 0)
+    c.drawString(59.5,  y(389.9), "Date")
+    c.drawString(149.5, y(389.9), "Description")
+    # "(GBP)" label on the line above
+    c.drawRightString(449.3, y(378.4), "(GBP)")
+    c.drawRightString(552.6, y(378.4), "(GBP)")
+    # "Amount" / "Balance" on the bottom line
+    c.drawRightString(449.3, y(389.9), "Amount")
+    c.drawRightString(552.6, y(389.9), "Balance")
+
+    # Header underline — medium gray 1.5pt, top=393.45
+    c.setStrokeColorRGB(0.502, 0.502, 0.502)
+    c.setLineWidth(1.5)
+    c.line(54, y(393.45), 558, y(393.45))
+
+    # ── Transaction rows ──────────────────────────────────────────────────────
+    # Exact row baseline tops from pdfplumber:
+    # date col: 400.3, 427.1, 453.9, 480.7  (LibSans 11pt)
+    # desc col: 399.6, 426.5, 453.3, 480.1  (LibSans 12pt)
+    # amount col: 399.6/425.2, ...           (LibSans 12pt / Carlito 14pt for positives)
+    # balance col: 399.6, 426.5, ...         (LibSans 12pt)
+    # Row baseline for date: top=400.3, step=26.8
+    DATE_TOP   = 400.3
+    DESC_TOP   = 399.6
+    ROW_STEP   = 26.8
+
+    transactions = data['transactions']
+    for i, txn in enumerate(transactions):
+        date_y = y(DATE_TOP + i * ROW_STEP + 11)
+        desc_y = y(DESC_TOP + i * ROW_STEP + 12)
+
+        # Date — LibSans 11pt
+        c.setFont("LibSans", 11)
+        c.setFillColorRGB(0, 0, 0)
+        c.drawString(59.5, date_y, txn['date'])
+
+        # Description — LibSans 12pt
+        c.setFont("LibSans", 12)
+        c.drawString(149.5, desc_y, txn['description'])
+
+        # Amount — LibSans 12pt for negatives, Carlito 14pt for positives
+        amount = txn['amount']
+        if amount < 0:
+            amt_str = f"-{abs(amount):.2f}"
+            c.setFont("LibSans", 12)
+            c.drawRightString(449.3, desc_y, amt_str)
+        else:
+            amt_str = f"{amount:.2f}"
+            # Carlito 14pt sits slightly higher — match original top=425.2 offset
+            carlito_y = y(DESC_TOP + i * ROW_STEP + 14)
+            c.setFont("Carlito", 14)
+            c.drawRightString(449.3, carlito_y, amt_str)
+
+        # Balance — LibSans 12pt
+        c.setFont("LibSans", 12)
+        c.drawRightString(552.6, desc_y, f"{txn['balance']:.2f}")
+
+        # Dashed separator — placed at DESC_TOP + i*26.88 + 20.88 (exact from original)
+        sep_pt = DESC_TOP + i * ROW_STEP + 20.88
+        c.setStrokeColorRGB(0.749, 0.749, 0.749)
+        c.setLineWidth(0.5)
+        c.setDash([0.5, 1], 0)
+        c.line(54, y(sep_pt), 558, y(sep_pt))
+        c.setDash([], 0)
+
+    # Extra separator after last row at DESC_TOP + n*26.88 + 20.88
+    extra_sep = DESC_TOP + len(transactions) * ROW_STEP + 20.88
+    c.setStrokeColorRGB(0.749, 0.749, 0.749)
+    c.setLineWidth(0.5)
+    c.setDash([0.5, 1], 0)
+    c.line(54, y(extra_sep), 558, y(extra_sep))
+    c.setDash([], 0)
+
+    # ── Disclaimer — LibSans 9pt, first line top=518.5, leading=10.4 ─────────
+    disclaimer = (
+        "Monzo Bank Limited (https://monzo.com) is a company registered in England "
+        "No. 9446231. Registered Office: 38 Finsbury Square, London, EC 2A 1PX. "
+        "Monzo Bank Ltd is authorized by the Prudential Regulation Authority and "
+        "regulated by the Financial Conduct Authority and the Prudential Regulation "
+        "Authority. Our Financial Services Register number is 730427."
+    )
+    c.setFont("LibSans", 9)
+    c.setFillColorRGB(0, 0, 0)
+    # Use the exact line-break positions from the original (width=499pt)
+    disc_lines = simpleSplit(disclaimer, "LibSans", 9, 499)
+    disc_y = y(518.5 + 9)   # baseline = top + font_size
+    for line in disc_lines:
+        c.drawString(59.5, disc_y, line)
+        disc_y -= 10.4
+
+    # ── Page footer — LibSans 9pt, top=702.9 ─────────────────────────────────
+    c.setFont("LibSans", 9)
+    c.drawRightString(553.4, y(711.9), "Page 1 of 1")
+
+    c.save()
+
+    # ── Patch PDF metadata (CreationDate / ModDate) via pypdf ────────────────
+    if data.get('creation_datetime'):
+        from pypdf import PdfReader, PdfWriter
+        from pypdf.generic import NameObject, create_string_object
+        dt = data['creation_datetime']
+        tz_offset = dt.utcoffset()
+        if tz_offset is None:
+            tz_str = "Z"
+        else:
+            total_secs = int(tz_offset.total_seconds())
+            sign = "+" if total_secs >= 0 else "-"
+            total_secs = abs(total_secs)
+            tz_str = f"{sign}{total_secs//3600:02d}'{(total_secs%3600)//60:02d}'"
+        pdf_date = dt.strftime("D:%Y%m%d%H%M%S") + tz_str
+
+        reader = PdfReader(output_path)
+        writer = PdfWriter()
+        writer.append(reader)
+        writer.add_metadata({
+            "/CreationDate": pdf_date,
+            "/Creator": "Monzo Bank Limited",
+            "/Producer": "Monzo Bank Limited",
+        })
+        # Explicitly remove ModDate so it doesn't appear in file properties
+        info = writer._info
+        if info and "/ModDate" in info:
+            del info.indirect_reference.pdf.objects[info.indirect_reference]
+        # Safer approach: overwrite info dict directly
+        from pypdf.generic import DictionaryObject, NameObject, create_string_object
+        new_info = DictionaryObject()
+        new_info[NameObject("/CreationDate")] = create_string_object(pdf_date)
+        new_info[NameObject("/Creator")]      = create_string_object("Monzo Bank Limited")
+        new_info[NameObject("/Producer")]     = create_string_object("Monzo Bank Limited")
+        writer._info = writer._add_object(new_info)
+        import tempfile, shutil
+        tmp = output_path + ".tmp"
+        with open(tmp, "wb") as f:
+            writer.write(f)
+        shutil.move(tmp, output_path)
+
+
+# ── UI ────────────────────────────────────────────────────────────────────────
+STYLE = """
+QMainWindow { background: #f5f5f5; }
+QGroupBox {
+    font-weight: bold;
+    font-size: 12px;
+    border: 1px solid #ddd;
+    border-radius: 6px;
+    margin-top: 8px;
+    padding-top: 8px;
+    background: white;
+}
+QGroupBox::title {
+    subcontrol-origin: margin;
+    left: 10px;
+    padding: 0 4px;
+    color: #333;
+}
+QLineEdit, QDateEdit, QDoubleSpinBox, QTextEdit {
+    border: 1px solid #ccc;
+    border-radius: 4px;
+    padding: 4px 8px;
+    font-size: 12px;
+    background: white;
+}
+QLineEdit:focus, QDateEdit:focus, QDoubleSpinBox:focus, QTextEdit:focus {
+    border-color: #e85d2a;
+}
+QPushButton {
+    border-radius: 4px;
+    padding: 6px 16px;
+    font-size: 12px;
+    font-weight: bold;
+}
+QPushButton#primary {
+    background: #e85d2a;
+    color: white;
+    border: none;
+}
+QPushButton#primary:hover { background: #d04e1f; }
+QPushButton#secondary {
+    background: #f0f0f0;
+    color: #333;
+    border: 1px solid #ccc;
+}
+QPushButton#secondary:hover { background: #e0e0e0; }
+QPushButton#danger {
+    background: #fff0f0;
+    color: #cc0000;
+    border: 1px solid #ffcccc;
+}
+QPushButton#danger:hover { background: #ffe0e0; }
+QTableWidget {
+    border: 1px solid #ddd;
+    border-radius: 4px;
+    font-size: 12px;
+    background: white;
+    gridline-color: #eee;
+}
+QTableWidget::item { padding: 4px 8px; }
+QHeaderView::section {
+    background: #f8f8f8;
+    border: none;
+    border-bottom: 1px solid #ddd;
+    padding: 6px 8px;
+    font-weight: bold;
+    font-size: 11px;
+}
+QLabel#sectionLabel {
+    font-size: 11px;
+    color: #666;
+}
+"""
+
+
+class MonzoGenerator(QMainWindow):
+    def __init__(self):
+        super().__init__()
+        self.setWindowTitle("Monzo Statement Generator")
+        self.setMinimumSize(860, 700)
+        self.resize(960, 780)
+        self.setStyleSheet(STYLE)
+        self._build_ui()
+        self._load_defaults()
+
+    def _build_ui(self):
+        central = QWidget()
+        self.setCentralWidget(central)
+        root = QVBoxLayout(central)
+        root.setContentsMargins(16, 16, 16, 16)
+        root.setSpacing(12)
+
+        # Title bar
+        title_row = QHBoxLayout()
+        icon_lbl = QLabel("🏦")
+        icon_lbl.setFont(QFont("", 20))
+        title_lbl = QLabel("Monzo Statement Generator")
+        title_lbl.setFont(QFont("", 16, QFont.Weight.Bold))
+        title_row.addWidget(icon_lbl)
+        title_row.addWidget(title_lbl)
+        title_row.addStretch()
+        gen_btn = QPushButton("⬇  Generate PDF")
+        gen_btn.setObjectName("primary")
+        gen_btn.setFixedHeight(36)
+        gen_btn.clicked.connect(self._generate)
+        title_row.addWidget(gen_btn)
+        root.addLayout(title_row)
+
+        # Two-column layout
+        splitter = QSplitter(Qt.Orientation.Horizontal)
+        root.addWidget(splitter)
+
+        # Left panel
+        left = QWidget()
+        left_layout = QVBoxLayout(left)
+        left_layout.setContentsMargins(0, 0, 8, 0)
+        left_layout.setSpacing(10)
+        splitter.addWidget(left)
+
+        # ── Personal Info ────────────────────────────────────────────────────
+        info_box = QGroupBox("Personal Information")
+        info_form = QVBoxLayout(info_box)
+        info_form.setSpacing(8)
+
+        def field_row(label, widget):
+            row = QHBoxLayout()
+            lbl = QLabel(label)
+            lbl.setObjectName("sectionLabel")
+            lbl.setFixedWidth(90)
+            row.addWidget(lbl)
+            row.addWidget(widget)
+            return row
+
+        self.name_edit = QLineEdit()
+        self.name_edit.setPlaceholderText("e.g. JOHN SMITH")
+        info_form.addLayout(field_row("Full Name:", self.name_edit))
+
+        # Multi-line address — press Enter for each new line
+        addr_row = QHBoxLayout()
+        addr_lbl = QLabel("Address:")
+        addr_lbl.setObjectName("sectionLabel")
+        addr_lbl.setFixedWidth(90)
+        addr_lbl.setAlignment(Qt.AlignmentFlag.AlignTop)
+        addr_lbl.setContentsMargins(0, 4, 0, 0)
+        from PyQt6.QtWidgets import QTextEdit
+        self.address_edit = QTextEdit()
+        self.address_edit.setPlaceholderText(
+            "One line per row, e.g.:\n123 High Street\nLondon, EC1A 1BB\nUnited Kingdom"
+        )
+        self.address_edit.setFixedHeight(80)
+        self.address_edit.setAcceptRichText(False)
+        addr_row.addWidget(addr_lbl)
+        addr_row.addWidget(self.address_edit)
+        info_form.addLayout(addr_row)
+
+        left_layout.addWidget(info_box)
+
+        # ── Date Info ────────────────────────────────────────────────────────
+        date_box = QGroupBox("Statement Dates")
+        date_form = QVBoxLayout(date_box)
+        date_form.setSpacing(8)
+
+        self.date_from = QDateEdit()
+        self.date_from.setCalendarPopup(True)
+        self.date_from.setDisplayFormat("MMM d, yyyy")
+        date_form.addLayout(field_row("From:", self.date_from))
+
+        self.date_to = QDateEdit()
+        self.date_to.setCalendarPopup(True)
+        self.date_to.setDisplayFormat("MMM d, yyyy")
+        date_form.addLayout(field_row("To:", self.date_to))
+
+        self.issued_on = QDateEdit()
+        self.issued_on.setCalendarPopup(True)
+        self.issued_on.setDisplayFormat("MMM d, yyyy")
+        date_form.addLayout(field_row("Issued On:", self.issued_on))
+
+        # PDF metadata CreationDate
+        sep = QFrame()
+        sep.setFrameShape(QFrame.Shape.HLine)
+        sep.setStyleSheet("color: #eee;")
+        date_form.addWidget(sep)
+
+        meta_lbl = QLabel("PDF File Metadata")
+        meta_lbl.setObjectName("sectionLabel")
+        meta_lbl.setStyleSheet("font-weight: bold; color: #555; padding: 2px 0;")
+        date_form.addWidget(meta_lbl)
+
+        self.creation_datetime = QDateTimeEdit()
+        self.creation_datetime.setCalendarPopup(True)
+        self.creation_datetime.setDisplayFormat("yyyy-MM-dd  HH:mm:ss")
+        self.creation_datetime.setDateTime(QDateTime.currentDateTime())
+        date_form.addLayout(field_row("CreationDate:", self.creation_datetime))
+
+        left_layout.addWidget(date_box)
+
+        # ── Summary figures (auto or override) ───────────────────────────────
+        summary_box = QGroupBox("Statement Summary (auto-calculated)")
+        summary_layout = QVBoxLayout(summary_box)
+        summary_layout.setSpacing(8)
+
+        self.lbl_total_balance = QLabel("Total Balance (incl. pots): £0.00")
+        self.lbl_total_balance.setFont(QFont("", 11, QFont.Weight.Bold))
+        self.lbl_outgoings = QLabel("Total Outgoings: £0.00")
+        self.lbl_incomes = QLabel("Total Incomes: £0.00")
+        summary_layout.addWidget(self.lbl_total_balance)
+        summary_layout.addWidget(self.lbl_outgoings)
+        summary_layout.addWidget(self.lbl_incomes)
+
+        note = QLabel("ℹ  Balance is calculated by replaying transactions from opening balance.")
+        note.setObjectName("sectionLabel")
+        note.setWordWrap(True)
+        summary_layout.addWidget(note)
+
+        self.opening_balance = QDoubleSpinBox()
+        self.opening_balance.setRange(-999999, 999999)
+        self.opening_balance.setDecimals(2)
+        self.opening_balance.setPrefix("£")
+        self.opening_balance.valueChanged.connect(self._recalculate)
+        summary_layout.addLayout(field_row("Opening Bal.:", self.opening_balance))
+
+        left_layout.addWidget(summary_box)
+        left_layout.addStretch()
+
+        # Right panel – Transactions
+        right = QWidget()
+        right_layout = QVBoxLayout(right)
+        right_layout.setContentsMargins(8, 0, 0, 0)
+        right_layout.setSpacing(8)
+        splitter.addWidget(right)
+
+        txn_label = QLabel("Transactions")
+        txn_label.setFont(QFont("", 13, QFont.Weight.Bold))
+        right_layout.addWidget(txn_label)
+
+        # Toolbar
+        toolbar = QHBoxLayout()
+        add_btn = QPushButton("＋ Add Row")
+        add_btn.setObjectName("secondary")
+        add_btn.clicked.connect(self._add_row)
+        del_btn = QPushButton("✕ Delete Selected")
+        del_btn.setObjectName("danger")
+        del_btn.clicked.connect(self._delete_selected)
+        up_btn = QPushButton("▲")
+        up_btn.setObjectName("secondary")
+        up_btn.setFixedWidth(36)
+        up_btn.clicked.connect(self._move_up)
+        dn_btn = QPushButton("▼")
+        dn_btn.setObjectName("secondary")
+        dn_btn.setFixedWidth(36)
+        dn_btn.clicked.connect(self._move_down)
+        toolbar.addWidget(add_btn)
+        toolbar.addWidget(del_btn)
+        toolbar.addWidget(up_btn)
+        toolbar.addWidget(dn_btn)
+        toolbar.addStretch()
+        right_layout.addLayout(toolbar)
+
+        # Table
+        self.table = QTableWidget(0, 3)
+        self.table.setHorizontalHeaderLabels(["Date", "Description", "Amount (£)"])
+        self.table.horizontalHeader().setSectionResizeMode(0, QHeaderView.ResizeMode.ResizeToContents)
+        self.table.horizontalHeader().setSectionResizeMode(1, QHeaderView.ResizeMode.Stretch)
+        self.table.horizontalHeader().setSectionResizeMode(2, QHeaderView.ResizeMode.ResizeToContents)
+        self.table.setSelectionBehavior(QTableWidget.SelectionBehavior.SelectRows)
+        self.table.setAlternatingRowColors(True)
+        self.table.itemChanged.connect(self._recalculate)
+        right_layout.addWidget(self.table)
+
+        hint = QLabel("Amount: positive = income (e.g. 71.70), negative = outgoing (e.g. -134.03)")
+        hint.setObjectName("sectionLabel")
+        right_layout.addWidget(hint)
+
+        splitter.setSizes([340, 580])
+
+    def _load_defaults(self):
+        self.name_edit.setText("John Smith")
+        self.address_edit.setPlainText("2 Upper Gilmore Terrace\nEdinburgh\nEH3 9NN\nUnited Kingdom")
+        self.date_from.setDate(QDate(2026, 5, 1))
+        self.date_to.setDate(QDate(2026, 5, 31))
+        self.issued_on.setDate(QDate(2026, 5, 31))
+        self.creation_datetime.setDateTime(QDateTime(QDate(2026, 5, 31), self.creation_datetime.time()))
+
+        self.opening_balance.setValue(488.41)
+
+        default_txns = [
+            ("16/05/2026", "Transfer to Savings Pot", -134.03),
+            ("19/05/2026", "Transfer from Savings Pot", 71.70),
+            ("21/05/2026", "Transfer from Savings Pot", 134.39),
+            ("24/05/2026", "Transfer to Savings Pot", -139.72),
+        ]
+        for d, desc, amt in default_txns:
+            self._add_row(d, desc, str(amt))
+        self._recalculate()
+
+    def _add_row(self, date="", desc="", amount=""):
+        row = self.table.rowCount()
+        self.table.insertRow(row)
+        self.table.setItem(row, 0, QTableWidgetItem(date or "01/06/2026"))
+        self.table.setItem(row, 1, QTableWidgetItem(desc or "Transfer"))
+        self.table.setItem(row, 2, QTableWidgetItem(amount or "0.00"))
+        self.table.scrollToBottom()
+
+    def _delete_selected(self):
+        rows = sorted(set(i.row() for i in self.table.selectedItems()), reverse=True)
+        for row in rows:
+            self.table.removeRow(row)
+        self._recalculate()
+
+    def _move_up(self):
+        row = self.table.currentRow()
+        if row > 0:
+            self._swap_rows(row, row - 1)
+            self.table.selectRow(row - 1)
+
+    def _move_down(self):
+        row = self.table.currentRow()
+        if row < self.table.rowCount() - 1:
+            self._swap_rows(row, row + 1)
+            self.table.selectRow(row + 1)
+
+    def _swap_rows(self, r1, r2):
+        for col in range(3):
+            a = self.table.item(r1, col)
+            b = self.table.item(r2, col)
+            ta = a.text() if a else ""
+            tb = b.text() if b else ""
+            self.table.setItem(r1, col, QTableWidgetItem(tb))
+            self.table.setItem(r2, col, QTableWidgetItem(ta))
+        self._recalculate()
+
+    def _recalculate(self):
+        opening = self.opening_balance.value()
+        balance = opening
+        total_in = 0.0
+        total_out = 0.0
+
+        for row in range(self.table.rowCount()):
+            item = self.table.item(row, 2)
+            try:
+                amt = float(item.text()) if item else 0.0
+            except ValueError:
+                amt = 0.0
+            balance += amt
+            if amt >= 0:
+                total_in += amt
+            else:
+                total_out += abs(amt)
+
+        self.lbl_total_balance.setText(f"Total Balance (incl. pots): £{balance:.2f}")
+        self.lbl_outgoings.setText(f"Total Outgoings: £{total_out:.2f}")
+        self.lbl_incomes.setText(f"Total Incomes: £{total_in:.2f}")
+
+    def _get_data(self):
+        opening = self.opening_balance.value()
+        balance = opening
+        total_in = 0.0
+        total_out = 0.0
+        transactions = []
+
+        for row in range(self.table.rowCount()):
+            date_item = self.table.item(row, 0)
+            desc_item = self.table.item(row, 1)
+            amt_item = self.table.item(row, 2)
+            date_str = date_item.text() if date_item else ""
+            desc_str = desc_item.text() if desc_item else ""
+            try:
+                amt = float(amt_item.text()) if amt_item else 0.0
+            except ValueError:
+                amt = 0.0
+            balance += amt
+            if amt >= 0:
+                total_in += amt
+            else:
+                total_out += abs(amt)
+            transactions.append({"date": date_str, "description": desc_str,
+                                  "amount": amt, "balance": round(balance, 2)})
+
+        def fmt_date_numeric(qd: QDate):
+            # DD/MM/YYYY for the statement date range header
+            d = qd.toPyDate()
+            return d.strftime("%d/%m/%Y")
+
+        def fmt_date_text(qd: QDate):
+            # "Jul 31, 2026" for "Issued on:" line
+            d = qd.toPyDate()
+            return d.strftime("%b ") + str(d.day) + d.strftime(", %Y")
+
+        address = self.address_edit.toPlainText().strip()
+
+        return {
+            "name": self.name_edit.text().strip() or "UNKNOWN",
+            "address": address,
+            "date_from": fmt_date_numeric(self.date_from.date()),
+            "date_to": fmt_date_numeric(self.date_to.date()),
+            "issued_on": fmt_date_text(self.issued_on.date()),
+            "total_balance": round(balance, 2),
+            "total_outgoings": round(total_out, 2),
+            "total_incomes": round(total_in, 2),
+            "transactions": transactions,
+            "creation_datetime": self.creation_datetime.dateTime().toPyDateTime(),
+        }
+
+    def _generate(self):
+        if self.table.rowCount() == 0:
+            QMessageBox.warning(self, "No Transactions", "Please add at least one transaction.")
+            return
+
+        # Default save location: user's Desktop (works on Windows/Linux/macOS)
+        import pathlib
+        default_dir = str(pathlib.Path.home() / "Desktop")
+        default_path = os.path.join(default_dir, "Monzo_Statement.pdf")
+
+        path, _ = QFileDialog.getSaveFileName(
+            self, "Save PDF", default_path, "PDF Files (*.pdf)"
+        )
+        if not path:
+            return
+
+        try:
+            data = self._get_data()
+            generate_pdf(data, path)
+            QMessageBox.information(self, "Success",
+                                    f"Statement saved to:\n{path}")
+        except PermissionError:
+            QMessageBox.critical(self, "Permission Denied",
+                                 f"Cannot write to:\n{path}\n\n"
+                                 f"Please choose a different location (e.g. Desktop or Documents).")
+        except Exception as e:
+            QMessageBox.critical(self, "Error", f"Failed to generate PDF:\n{e}")
+            raise
+
+
+if __name__ == "__main__":
+    app = QApplication(sys.argv)
+    app.setStyle("Fusion")
+    win = MonzoGenerator()
+    win.show()
+    sys.exit(app.exec())
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