diff --git a/src/commands/analysis.zig b/src/commands/analysis.zig
index 46a8e3e..c608da9 100644
--- a/src/commands/analysis.zig
+++ b/src/commands/analysis.zig
@@ -65,15 +65,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, file_path: []co
     defer cm.deinit();
 
     // Load account tax type metadata (optional)
-    const acct_path = std.fmt.allocPrint(allocator, "{s}accounts.srf", .{file_path[0..dir_end]}) catch return;
-    defer allocator.free(acct_path);
-
-    var acct_map_opt: ?zfin.analysis.AccountMap = null;
-    const acct_data = std.fs.cwd().readFileAlloc(allocator, acct_path, 1024 * 1024) catch null;
-    if (acct_data) |ad| {
-        defer allocator.free(ad);
-        acct_map_opt = zfin.analysis.parseAccountsFile(allocator, ad) catch null;
-    }
+    var acct_map_opt: ?zfin.analysis.AccountMap = svc.loadAccountMap(file_path);
     defer if (acct_map_opt) |*am| am.deinit();
 
     var result = zfin.analysis.analyzePortfolio(
diff --git a/src/commands/audit.zig b/src/commands/audit.zig
index 459dbc0..7e5111c 100644
--- a/src/commands/audit.zig
+++ b/src/commands/audit.zig
@@ -1155,18 +1155,8 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, args: []const [
     defer portfolio.deinit();
 
     // Load accounts.srf
-    const dir_end = if (std.mem.lastIndexOfScalar(u8, portfolio_path, std.fs.path.sep)) |idx| idx + 1 else 0;
-    const acct_path = std.fmt.allocPrint(allocator, "{s}accounts.srf", .{portfolio_path[0..dir_end]}) catch return;
-    defer allocator.free(acct_path);
-
-    const acct_data = std.fs.cwd().readFileAlloc(allocator, acct_path, 1024 * 1024) catch {
-        try cli.stderrPrint("Error: Cannot read accounts.srf (needed for account number mapping)\n");
-        return;
-    };
-    defer allocator.free(acct_data);
-
-    var account_map = analysis.parseAccountsFile(allocator, acct_data) catch {
-        try cli.stderrPrint("Error: Cannot parse accounts.srf\n");
+    var account_map = svc.loadAccountMap(portfolio_path) orelse {
+        try cli.stderrPrint("Error: Cannot read/parse accounts.srf (needed for account number mapping)\n");
         return;
     };
     defer account_map.deinit();
diff --git a/src/service.zig b/src/service.zig
index 7489705..b0db727 100644
--- a/src/service.zig
+++ b/src/service.zig
@@ -20,6 +20,7 @@ const EtfProfile = @import("models/etf_profile.zig").EtfProfile;
 const Config = @import("config.zig").Config;
 const cache = @import("cache/store.zig");
 const srf = @import("srf");
+const analysis = @import("analytics/analysis.zig");
 const TwelveData = @import("providers/twelvedata.zig").TwelveData;
 const Polygon = @import("providers/polygon.zig").Polygon;
 const Finnhub = @import("providers/finnhub.zig").Finnhub;
@@ -1334,6 +1335,22 @@ pub const DataService = struct {
     fn isMutualFund(symbol: []const u8) bool {
         return symbol.len == 5 and symbol[4] == 'X';
     }
+
+    // ── User config files ─────────────────────────────────────────
+
+    /// Load and parse accounts.srf from the same directory as the given portfolio path.
+    /// Returns null if the file doesn't exist or can't be parsed.
+    /// Caller owns the returned AccountMap and must call deinit().
+    pub fn loadAccountMap(self: *DataService, portfolio_path: []const u8) ?analysis.AccountMap {
+        const dir_end = if (std.mem.lastIndexOfScalar(u8, portfolio_path, std.fs.path.sep)) |idx| idx + 1 else 0;
+        const acct_path = std.fmt.allocPrint(self.allocator, "{s}accounts.srf", .{portfolio_path[0..dir_end]}) catch return null;
+        defer self.allocator.free(acct_path);
+
+        const data = std.fs.cwd().readFileAlloc(self.allocator, acct_path, 1024 * 1024) catch return null;
+        defer self.allocator.free(data);
+
+        return analysis.parseAccountsFile(self.allocator, data) catch null;
+    }
 };
 
 // ── Tests ─────────────────────────────────────────────────────────
diff --git a/src/tui.zig b/src/tui.zig
index 908c51b..18cb345 100644
--- a/src/tui.zig
+++ b/src/tui.zig
@@ -827,14 +827,7 @@ pub const App = struct {
     pub fn ensureAccountMap(self: *App) void {
         if (self.account_map != null) return;
         const ppath = self.portfolio_path orelse return;
-        const dir_end = if (std.mem.lastIndexOfScalar(u8, ppath, std.fs.path.sep)) |idx| idx + 1 else 0;
-        const acct_path = std.fmt.allocPrint(self.allocator, "{s}accounts.srf", .{ppath[0..dir_end]}) catch return;
-        defer self.allocator.free(acct_path);
-
-        if (std.fs.cwd().readFileAlloc(self.allocator, acct_path, 1024 * 1024)) |acct_data| {
-            defer self.allocator.free(acct_data);
-            self.account_map = zfin.analysis.parseAccountsFile(self.allocator, acct_data) catch null;
-        } else |_| {}
+        self.account_map = self.svc.loadAccountMap(ppath);
     }
 
     /// Set or clear the account filter. Owns the string via allocator.