diff --git a/src/main.zig b/src/main.zig
index f8ad78b..f68506e 100644
--- a/src/main.zig
+++ b/src/main.zig
@@ -501,7 +501,7 @@ fn runCli(init: std.process.Init) !u8 {
         // loader resolve + union-merge the same way the CLI does.
         // This is the load-bearing fix for "CLI and TUI report
         // different totals" - there's exactly one code path now.
-        tui.run(io, gpa_alloc, tui_config, globals.portfolio_patterns, globals.watchlist_path, resolved_theme, cmd_args, today) catch |err| switch (err) {
+        tui.run(io, gpa_alloc, tui_config, globals.portfolio_patterns, globals.watchlist_path, resolved_theme, cmd_args, today, globals.refresh_policy) catch |err| switch (err) {
             // tui.run already printed an actionable stderr message
             // for invalid CLI args; surface as exit 1 without a
             // panic / stack trace.
diff --git a/src/tui.zig b/src/tui.zig
index a5d8006..4fce302 100644
--- a/src/tui.zig
+++ b/src/tui.zig
@@ -502,6 +502,12 @@ pub const App = struct {
     local_tz: zfin.market.TimeZone,
     config: zfin.Config,
     svc: *zfin.DataService,
+    /// Cache-vs-network policy from the global `--refresh-data` flag,
+    /// mapped once at init. Threaded into every automatic data fetch
+    /// (the initial `portfolio.load` and each tab's `loadData`) so the
+    /// TUI honors `--refresh-data=never` (offline) and `=force` the same
+    /// way the CLI commands do. Default `.{}` is auto (respect TTL).
+    fetch_options: zfin.FetchOptions = .{},
     keymap: keybinds.KeyMap,
     theme: theme.Theme,
     active_tab: Tab = .portfolio,
@@ -2510,6 +2516,7 @@ pub fn run(
     app_theme: theme.Theme,
     args: []const []const u8,
     today: zfin.Date,
+    refresh_policy: framework.RefreshPolicy,
 ) !void {
     const watchlist_path: ?[]const u8 = global_watchlist_path;
 
@@ -2593,6 +2600,7 @@ pub fn run(
         .local_tz = local_tz,
         .config = config,
         .svc = svc,
+        .fetch_options = cli.fetchOptionsFromPolicy(refresh_policy),
         .keymap = keymap,
         .theme = app_theme,
         .symbol = symbol,
@@ -2684,6 +2692,8 @@ pub fn run(
             .progress = symbol_progress.callback(),
             .aggregate_progress = aggregate_progress.callback(),
             .watchlist_syms = watch_syms.items,
+            .force_refresh = app_inst.fetch_options.force_refresh,
+            .skip_network = app_inst.fetch_options.skip_network,
         }) catch |err| blk: {
             std.log.scoped(.tui).warn("portfolio load failed: {t}", .{err});
             break :blk null;
diff --git a/src/tui/earnings_tab.zig b/src/tui/earnings_tab.zig
index 15b498d..c85e894 100644
--- a/src/tui/earnings_tab.zig
+++ b/src/tui/earnings_tab.zig
@@ -87,7 +87,10 @@ pub const tab = struct {
     /// frees current payload, clears flags, and re-runs the
     /// fetch path.
     pub fn reload(state: *State, app: *App) !void {
-        if (app.symbol.len > 0) {
+        // Offline mode (--refresh-data=never): skip cache invalidation.
+        // loadData can't re-fetch, so dropping the entry would just blank
+        // the tab; instead re-render from the cached entry.
+        if (app.symbol.len > 0 and !app.fetch_options.skip_network) {
             app.svc.invalidate(app.symbol, .earnings);
         }
         // Clear every flag so loadData has the same starting
@@ -135,7 +138,7 @@ fn loadData(state: *State, app: *App) void {
     state.loaded = true;
     state.error_msg = null;
 
-    const result = app.svc.getEarnings(app.symbol, .{}) catch |err| {
+    const result = app.svc.getEarnings(app.symbol, app.fetch_options) catch |err| {
         switch (err) {
             zfin.DataError.NoApiKey => {
                 state.error_msg = "No API key. Set FMP_API_KEY (free at financialmodelingprep.com)";
diff --git a/src/tui/options_tab.zig b/src/tui/options_tab.zig
index d2ada4b..70e5012 100644
--- a/src/tui/options_tab.zig
+++ b/src/tui/options_tab.zig
@@ -143,7 +143,10 @@ pub const tab = struct {
     pub const deactivate = framework.noopDeactivate(State);
 
     pub fn reload(state: *State, app: *App) !void {
-        if (app.symbol.len > 0) {
+        // Offline mode (--refresh-data=never): skip cache invalidation.
+        // loadData can't re-fetch, so dropping the entry would just blank
+        // the tab; instead re-render from the cached entry.
+        if (app.symbol.len > 0 and !app.fetch_options.skip_network) {
             app.svc.invalidate(app.symbol, .options);
         }
         // Drop chains first so loadData starts clean.
@@ -298,7 +301,7 @@ fn loadData(state: *State, app: *App) void {
     }
     state.chains = null;
 
-    const result = app.svc.getOptions(app.symbol, .{}) catch |err| {
+    const result = app.svc.getOptions(app.symbol, app.fetch_options) catch |err| {
         switch (err) {
             zfin.DataError.FetchFailed => app.setStatus("CBOE fetch failed (network error)"),
             else => app.setStatus("Error loading options"),
diff --git a/src/tui/performance_tab.zig b/src/tui/performance_tab.zig
index bc10ab6..6772c7b 100644
--- a/src/tui/performance_tab.zig
+++ b/src/tui/performance_tab.zig
@@ -119,7 +119,7 @@ fn loadData(state: *State, app: *App) void {
     app.symbol_data.trailing_me_price = null;
     app.symbol_data.trailing_me_total = null;
 
-    const result = app.svc.getTrailingReturns(app.symbol, .{}) catch |err| {
+    const result = app.svc.getTrailingReturns(app.symbol, app.fetch_options) catch |err| {
         switch (err) {
             zfin.DataError.NoApiKey => app.setStatus("No API key. Set TIINGO_API_KEY"),
             zfin.DataError.FetchFailed => app.setStatus("Fetch failed (network error or rate limit)"),
@@ -155,7 +155,7 @@ fn loadData(state: *State, app: *App) void {
     // Try to load ETF profile (non-fatal, won't show for non-ETFs)
     if (!app.symbol_data.etf_loaded) {
         app.symbol_data.etf_loaded = true;
-        if (app.svc.getEtfProfile(app.symbol, .{})) |etf_result| {
+        if (app.svc.getEtfProfile(app.symbol, app.fetch_options)) |etf_result| {
             if (etf_result.data.isEtf()) {
                 // Take ownership of the EtfProfile data. We
                 // deliberately don't call etf_result.deinit
diff --git a/src/tui/quote_tab.zig b/src/tui/quote_tab.zig
index 2056473..89b7957 100644
--- a/src/tui/quote_tab.zig
+++ b/src/tui/quote_tab.zig
@@ -174,7 +174,7 @@ fn refreshLiveQuote(state: *State, app: *App, force: bool) void {
     // "refreshed Xs ago" header timestamp.
     const now_s = std.Io.Timestamp.now(app.io, .real).toSeconds();
     if (!force and !shouldFetchLiveQuote(market.marketSession(now_s), state.live != null, now_s - state.timestamp)) return;
-    if (app.svc.getQuote(app.symbol, .{})) |q| {
+    if (app.svc.getQuote(app.symbol, app.fetch_options)) |q| {
         state.live = q;
         state.timestamp = now_s;
     } else |err| std.log.scoped(.quote_tab).debug("{s}: live-quote fetch failed: {t}", .{ app.symbol, err });