diff --git a/.pre-commit-config.yaml b/.pre-commit-config.yaml
index 049c7c0..ce98666 100644
--- a/.pre-commit-config.yaml
+++ b/.pre-commit-config.yaml
@@ -29,7 +29,7 @@ repos:
       - id: test
         name: Run zig build test
         entry: zig
-        args: ["build", "coverage", "-Dcoverage-threshold=56"]
+        args: ["build", "coverage", "-Dcoverage-threshold=60"]
         language: system
         types: [file]
         pass_filenames: false
diff --git a/AGENTS.md b/AGENTS.md
index 84b63e1..8776ea8 100644
--- a/AGENTS.md
+++ b/AGENTS.md
@@ -7,7 +7,7 @@ zig build                    # build the zfin binary (output: zig-out/bin/zfin)
 zig build test               # run all tests (single binary, discovers all tests via refAllDeclsRecursive)
 zig build run -- <args>      # build and run CLI
 zig build docs               # generate library documentation
-zig build coverage -Dcoverage-threshold=56  # run tests with kcov coverage (Linux only)
+zig build coverage -Dcoverage-threshold=60  # run tests with kcov coverage (Linux only)
 ```
 
 **Tooling** (managed via `.mise.toml`):
@@ -123,6 +123,27 @@ Tests use `std.testing.allocator` (which detects leaks) and are structured as un
 2. Add the tab variant to `tui.Tab` enum
 3. Wire rendering in `tui.zig`'s draw and event handling
 
+### Command `run()` signatures — allocator as code smell
+
+A CLI command's `run()` function that takes `*DataService` and `*std.Io.Writer`
+usually doesn't also need an `std.mem.Allocator` parameter. `FetchResult(T)`
+carries its own allocator and self-deinits (see `src/service.zig`), so callers
+never need to wire up matching allocators for payload cleanup. The writer
+owns its own buffer.
+
+If a new `run()` signature still wants an allocator, ask whether the work
+it's funding is:
+
+- **Legitimate**: file I/O for a secondary config (portfolio load,
+  metadata), non-trivial intermediate computation, or an arena wrapping
+  view-layer allocations. Keep it.
+- **Suspicious**: freeing `FetchResult.data` manually instead of calling
+  `result.deinit()`, or duplicating strings that could be borrowed.
+  Drop the allocator and fix the leak-shaped helper.
+
+Not a hard rule — just a signal worth questioning when reviewing a new
+command.
+
 ## Gotchas
 
 - **Provider field naming is comptime-derived.** `DataService.getProvider(T)` finds the `?T` field by iterating struct fields at comptime, and the config key is derived by lowercasing the type name and appending `_key`. If you rename a provider struct, you must also rename the config field or the comptime logic breaks.
diff --git a/TODO.md b/TODO.md
index 5c947b0..f4cf6a5 100644
--- a/TODO.md
+++ b/TODO.md
@@ -22,6 +22,23 @@
   value and re-run `computePercentileBands` with that starting point, then plot
   actual values from later snapshots as a line overlaid on the bands.
 
+  `zfin projections --as-of <DATE>` already reruns the simulation
+  against a past snapshot (the prerequisite for this overlay). What's
+  missing is the overlay itself — loading multiple downstream snapshots
+  and plotting their net-worth trajectory on the same chart.
+
+  **Deferred to ~2027.** Needs a practical volume of real snapshots
+  (currently building up; meaningful backtest requires 12+ months).
+  Backfilling from git history is not viable — the lot-level state on
+  portfolio.srf at a past commit is insufficient to reconstruct the
+  full transaction+contribution picture. Revisit once there are 12+
+  months of continuous snapshot data.
+
+  Also consider: `metadata.srf` and `projections.srf` classifications /
+  assumptions drift over time. For back-dated runs we currently use
+  the current versions of both; historical git-tracked versions could
+  be checked out and loaded instead. Edge case for now.
+
 ## Analysis account/asset-class total mismatch
 
 The "By Account" and "By Tax Type" sections in the analysis command sum to slightly
diff --git a/src/commands/analysis.zig b/src/commands/analysis.zig
index fe7bf1c..007ba46 100644
--- a/src/commands/analysis.zig
+++ b/src/commands/analysis.zig
@@ -18,9 +18,9 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, file_path: []co
     for (positions) |pos| {
         if (pos.shares <= 0) continue;
         if (svc.getCachedCandles(pos.symbol)) |cs| {
-            defer allocator.free(cs);
-            if (cs.len > 0) {
-                try prices.put(pos.symbol, cs[cs.len - 1].close);
+            defer cs.deinit();
+            if (cs.data.len > 0) {
+                try prices.put(pos.symbol, cs.data[cs.data.len - 1].close);
             }
         }
     }
diff --git a/src/commands/common.zig b/src/commands/common.zig
index 1e083bc..88e562f 100644
--- a/src/commands/common.zig
+++ b/src/commands/common.zig
@@ -46,6 +46,64 @@ pub fn setStyleIntent(out: *std.Io.Writer, c: bool, intent: fmt.StyleIntent) !vo
     }
 }
 
+// ── Styled print helpers ─────────────────────────────────────
+//
+// Collapse the common `setX; print(...); reset` triple into a single
+// call. Every renderer used to spell out all three steps; these
+// helpers keep the "set → write → reset" boundary intact while
+// cutting line count roughly in half at the call site.
+
+/// Set a foreground color, print a formatted string, reset.
+pub fn printFg(
+    out: *std.Io.Writer,
+    c: bool,
+    rgb: [3]u8,
+    comptime fmt_str: []const u8,
+    args: anytype,
+) !void {
+    try setFg(out, c, rgb);
+    try out.print(fmt_str, args);
+    try reset(out, c);
+}
+
+/// Set a bold attribute, print a formatted string, reset.
+pub fn printBold(
+    out: *std.Io.Writer,
+    c: bool,
+    comptime fmt_str: []const u8,
+    args: anytype,
+) !void {
+    try setBold(out, c);
+    try out.print(fmt_str, args);
+    try reset(out, c);
+}
+
+/// Set a semantic-intent color, print a formatted string, reset.
+pub fn printIntent(
+    out: *std.Io.Writer,
+    c: bool,
+    intent: fmt.StyleIntent,
+    comptime fmt_str: []const u8,
+    args: anytype,
+) !void {
+    try setStyleIntent(out, c, intent);
+    try out.print(fmt_str, args);
+    try reset(out, c);
+}
+
+/// Set a sign-aware gain/loss color, print a formatted string, reset.
+pub fn printGainLoss(
+    out: *std.Io.Writer,
+    c: bool,
+    value: f64,
+    comptime fmt_str: []const u8,
+    args: anytype,
+) !void {
+    try setGainLoss(out, c, value);
+    try out.print(fmt_str, args);
+    try reset(out, c);
+}
+
 // ── Stderr helpers ───────────────────────────────────────────
 
 pub fn stderrPrint(msg: []const u8) !void {
@@ -357,7 +415,11 @@ pub fn buildPortfolioData(
     }
     for (syms) |sym| {
         if (svc.getCachedCandles(sym)) |cs| {
-            candle_map.put(sym, cs) catch {};
+            // cs.data is owned by svc.allocator(), which matches the
+            // caller's `allocator` in practice (they're wired to the
+            // same root). Store the raw slice; PortfolioData.deinit
+            // below frees via the caller's allocator.
+            candle_map.put(sym, cs.data) catch {};
         }
     }
 
@@ -375,6 +437,90 @@ pub fn buildPortfolioData(
     };
 }
 
+// ── As-of date parsing (shared by CLI --as-of and TUI date popup) ──
+
+pub const AsOfParseError = error{
+    InvalidFormat,
+    EmptyUnit,
+    UnknownUnit,
+    ZeroQuantity,
+};
+
+/// Parse a user-supplied as-of string into an optional `Date`.
+///
+/// Return value: `null` means live (today's portfolio); a non-null
+/// `Date` is the resolved absolute date the caller should look up in
+/// the snapshot directory. Relative forms (`1M`, `3Y`, ...) are
+/// converted here — callers receive the resolved date, not the
+/// shortcut string.
+///
+/// Accepted forms (case-insensitive for keywords and unit letters):
+///   - ""             → null      (empty = live)
+///   - "live" / "now" → null
+///   - "YYYY-MM-DD"   → explicit date
+///   - "N[WMQY]"      → today − N units; calendar arithmetic
+///
+/// Units:
+///   - W = weeks (subtract N * 7 days)
+///   - M = months (calendar; Mar 31 - 1M → Feb 28/29)
+///   - Q = quarters (3 months)
+///   - Y = years (calendar; Feb 29 - 1Y → Feb 28)
+///
+/// `today` is injected rather than read from the clock so tests are
+/// deterministic. In production call sites this is `fmt.todayDate()`.
+///
+/// Fractional forms like `1.5Y` are not accepted — keep the parser
+/// small and unambiguous.
+pub fn parseAsOfDate(input: []const u8, today: zfin.Date) AsOfParseError!?zfin.Date {
+    const s = std.mem.trim(u8, input, " \t\r\n");
+
+    if (s.len == 0) return null;
+
+    // Keyword forms.
+    if (std.ascii.eqlIgnoreCase(s, "live") or std.ascii.eqlIgnoreCase(s, "now")) {
+        return null;
+    }
+
+    // Explicit YYYY-MM-DD.
+    if (s.len == 10 and s[4] == '-' and s[7] == '-') {
+        return zfin.Date.parse(s) catch error.InvalidFormat;
+    }
+
+    // Relative: N[WMQY].
+    // Digits prefix then a single unit letter.
+    var i: usize = 0;
+    while (i < s.len and s[i] >= '0' and s[i] <= '9') : (i += 1) {}
+    if (i == 0) return error.InvalidFormat;
+    if (i >= s.len) return error.EmptyUnit;
+    if (i + 1 != s.len) return error.InvalidFormat;
+
+    // u16 is the widest quantity that all downstream ops (subtractYears,
+    // subtractMonths, addDays) accept without further narrowing.
+    const n = std.fmt.parseInt(u16, s[0..i], 10) catch return error.InvalidFormat;
+    if (n == 0) return error.ZeroQuantity;
+
+    const unit = std.ascii.toLower(s[i]);
+    return switch (unit) {
+        'w' => today.addDays(-@as(i32, n) * 7),
+        'm' => today.subtractMonths(n),
+        'q' => today.subtractMonths(n * 3),
+        'y' => today.subtractYears(n),
+        else => error.UnknownUnit,
+    };
+}
+
+/// Human-readable explanation of why a given string failed to parse.
+/// Caller-owned buffer; returns a slice. No trailing newline — the
+/// caller is responsible for formatting the surrounding message.
+pub fn fmtAsOfParseError(buf: []u8, input: []const u8, err: AsOfParseError) []const u8 {
+    return switch (err) {
+        error.InvalidFormat => std.fmt.bufPrint(buf, "Invalid as-of value: {s}. Expected YYYY-MM-DD, N[WMQY] (e.g. 1M, 3Q, 2Y), or 'live'.", .{input}) catch input,
+        error.EmptyUnit => std.fmt.bufPrint(buf, "As-of value {s} is missing a unit. Expected one of W, M, Q, Y.", .{input}) catch input,
+        error.UnknownUnit => std.fmt.bufPrint(buf, "As-of value {s} has an unknown unit. Expected one of W (weeks), M (months), Q (quarters), Y (years).", .{input}) catch input,
+        error.ZeroQuantity => std.fmt.bufPrint(buf, "As-of quantity must be at least 1 (got {s}).", .{input}) catch input,
+    };
+}
+
 // ── Watchlist loading ────────────────────────────────────────
 
 /// Load a watchlist SRF file containing symbol records.
@@ -498,3 +644,142 @@ test "setGainLoss treats zero as positive" {
     // Should use positive (green) color for zero
     try std.testing.expect(std.mem.indexOf(u8, out, "127") != null);
 }
+
+// ── parseAsOfDate tests ─────────────────────────────────────
+
+test "parseAsOfDate: empty string is live" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("", today);
+    try std.testing.expect(r == null);
+}
+
+test "parseAsOfDate: whitespace-only is live" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("   \t\n", today);
+    try std.testing.expect(r == null);
+}
+
+test "parseAsOfDate: literal 'live' and 'now' (case-insensitive)" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expect((try parseAsOfDate("live", today)) == null);
+    try std.testing.expect((try parseAsOfDate("LIVE", today)) == null);
+    try std.testing.expect((try parseAsOfDate("now", today)) == null);
+    try std.testing.expect((try parseAsOfDate("Now", today)) == null);
+}
+
+test "parseAsOfDate: explicit YYYY-MM-DD" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("2026-03-13", today);
+    try std.testing.expect(r != null);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2026, 3, 13)));
+}
+
+test "parseAsOfDate: weeks subtracts 7*N days" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("2W", today);
+    // 2026-04-02 - 14 days = 2026-03-19
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2026, 3, 19)));
+}
+
+test "parseAsOfDate: months uses calendar arithmetic" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("1M", today);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2026, 3, 2)));
+}
+
+test "parseAsOfDate: month-end clamping" {
+    // 2026-03-31 - 1 month = 2026-02-28 (non-leap)
+    const today = zfin.Date.fromYmd(2026, 3, 31);
+    const r = try parseAsOfDate("1M", today);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2026, 2, 28)));
+}
+
+test "parseAsOfDate: quarter = 3 months" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("1Q", today);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2026, 1, 2)));
+    const r2 = try parseAsOfDate("2Q", today);
+    try std.testing.expect(r2.?.eql(zfin.Date.fromYmd(2025, 10, 2)));
+}
+
+test "parseAsOfDate: years uses calendar arithmetic" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("3Y", today);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2023, 4, 2)));
+}
+
+test "parseAsOfDate: leap year clamping via years" {
+    const today = zfin.Date.fromYmd(2024, 2, 29);
+    const r = try parseAsOfDate("1Y", today);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(2023, 2, 28)));
+}
+
+test "parseAsOfDate: unit letter is case-insensitive" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r_lower = try parseAsOfDate("1m", today);
+    const r_upper = try parseAsOfDate("1M", today);
+    try std.testing.expect(r_lower.?.eql(r_upper.?));
+}
+
+test "parseAsOfDate: invalid date format" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.InvalidFormat, parseAsOfDate("2026/03/13", today));
+    // Digits-only with no unit falls through to the relative-form parser.
+    // It's technically 8 digits with no unit letter, so EmptyUnit is correct.
+    try std.testing.expectError(error.EmptyUnit, parseAsOfDate("20260313", today));
+}
+
+test "parseAsOfDate: missing unit" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.EmptyUnit, parseAsOfDate("3", today));
+}
+
+test "parseAsOfDate: unknown unit" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.UnknownUnit, parseAsOfDate("3X", today));
+    try std.testing.expectError(error.UnknownUnit, parseAsOfDate("3D", today));
+}
+
+test "parseAsOfDate: zero quantity rejected" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.ZeroQuantity, parseAsOfDate("0M", today));
+}
+
+test "parseAsOfDate: quantity that overflows u16 is InvalidFormat" {
+    // 70000 doesn't fit in u16; previously rejected via an arbitrary cap.
+    // Now the underlying parseInt call rejects it as a format error.
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.InvalidFormat, parseAsOfDate("70000Y", today));
+}
+
+test "parseAsOfDate: large-but-valid quantity accepted" {
+    // 100Y is silly but parses fine — no arbitrary cap.
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    const r = try parseAsOfDate("100Y", today);
+    try std.testing.expect(r.?.eql(zfin.Date.fromYmd(1926, 4, 2)));
+}
+
+test "parseAsOfDate: garbage after digits" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.InvalidFormat, parseAsOfDate("3MM", today));
+    try std.testing.expectError(error.InvalidFormat, parseAsOfDate("3 M", today));
+}
+
+test "parseAsOfDate: garbage before digits" {
+    const today = zfin.Date.fromYmd(2026, 4, 2);
+    try std.testing.expectError(error.InvalidFormat, parseAsOfDate("x3M", today));
+}
+
+test "fmtAsOfParseError: mentions the input and hint" {
+    var buf: [256]u8 = undefined;
+    const msg = fmtAsOfParseError(&buf, "2026/03/13", error.InvalidFormat);
+    try std.testing.expect(std.mem.indexOf(u8, msg, "2026/03/13") != null);
+    try std.testing.expect(std.mem.indexOf(u8, msg, "YYYY-MM-DD") != null);
+}
+
+test "fmtAsOfParseError: no trailing newline" {
+    var buf: [256]u8 = undefined;
+    const msg = fmtAsOfParseError(&buf, "bad", error.InvalidFormat);
+    try std.testing.expect(msg.len > 0);
+    try std.testing.expect(msg[msg.len - 1] != '\n');
+}
diff --git a/src/commands/compare.zig b/src/commands/compare.zig
index 8db48ec..4d7e92d 100644
--- a/src/commands/compare.zig
+++ b/src/commands/compare.zig
@@ -50,9 +50,11 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
 const Date = zfin.Date;
-const history_io = @import("../history.zig");
+const history = @import("../history.zig");
 const compare_core = @import("../compare.zig");
 const view = @import("../views/compare.zig");
+const view_hist = @import("../views/history.zig");
+const contributions_cmd = @import("contributions.zig");
 
 pub const Error = error{
     UnexpectedArg,
@@ -137,7 +139,7 @@ pub fn run(
     }
 
     // ── Resolve history dir ──────────────────────────────────
-    const hist_dir = try history_io.deriveHistoryDir(allocator, portfolio_path);
+    const hist_dir = try history.deriveHistoryDir(allocator, portfolio_path);
     defer allocator.free(hist_dir);
 
     // ── Load both sides ──────────────────────────────────────
@@ -159,18 +161,20 @@ pub fn run(
         var now_live = try LiveSide.load(allocator, svc, portfolio_path, color);
         defer now_live.deinit(allocator);
 
-        try renderFromParts(
-            out,
-            color,
-            then_date,
-            now_date,
-            true,
-            then_side.liquid,
-            now_live.liquid,
-            &then_side.map,
-            &now_live.map,
-            allocator,
-        );
+        // Attribution spans then_date → HEAD (or working copy if dirty).
+        // `computeAttribution` with until=null uses exactly that semantics.
+        const attribution = contributions_cmd.computeAttribution(allocator, svc, portfolio_path, then_date, null, color);
+
+        try renderFromParts(out, color, allocator, .{
+            .then_date = then_date,
+            .now_date = now_date,
+            .now_is_live = true,
+            .then_liquid = then_side.liquid,
+            .now_liquid = now_live.liquid,
+            .then_map = &then_side.map,
+            .now_map = &now_live.map,
+            .attribution = attribution,
+        });
     } else {
         var now_side = compare_core.loadSnapshotSide(allocator, hist_dir, now_date) catch |err| switch (err) {
             error.FileNotFound => {
@@ -181,27 +185,30 @@ pub fn run(
         };
         defer now_side.deinit(allocator);
 
-        try renderFromParts(
-            out,
-            color,
-            then_date,
-            now_date,
-            false,
-            then_side.liquid,
-            now_side.liquid,
-            &then_side.map,
-            &now_side.map,
-            allocator,
-        );
+        // Attribution spans the explicit then_date → now_date window.
+        const attribution = contributions_cmd.computeAttribution(allocator, svc, portfolio_path, then_date, now_date, color);
+
+        try renderFromParts(out, color, allocator, .{
+            .then_date = then_date,
+            .now_date = now_date,
+            .now_is_live = false,
+            .then_liquid = then_side.liquid,
+            .now_liquid = now_side.liquid,
+            .then_map = &then_side.map,
+            .now_map = &now_side.map,
+            .attribution = attribution,
+        });
     }
 }
 
-/// Build the view from two holdings maps + totals, then render.
-/// Factored out so both the live and snapshot "now" paths share a
-/// single call site.
-fn renderFromParts(
-    out: *std.Io.Writer,
-    color: bool,
+/// Inputs needed to build + render a `CompareView`. Bundled into a
+/// struct so `renderFromParts` stays one line of call-site noise
+/// instead of an 11-positional-arg parade.
+///
+/// `then_map` / `now_map` are borrowed pointers; the caller keeps the
+/// underlying maps alive through the render call. `attribution` is
+/// optional and folded into the view only when set.
+const RenderArgs = struct {
     then_date: Date,
     now_date: Date,
     now_is_live: bool,
@@ -209,20 +216,45 @@ fn renderFromParts(
     now_liquid: f64,
     then_map: *const view.HoldingMap,
     now_map: *const view.HoldingMap,
+    attribution: ?contributions_cmd.AttributionSummary,
+};
+
+/// Build the view from two holdings maps + totals, then render.
+/// Factored out so both the live and snapshot "now" paths share a
+/// single call site.
+///
+/// `args.attribution` is optional — when the contributions pipeline
+/// resolves cleanly against the portfolio's git history, the
+/// contributions-vs-gains split is surfaced in the rendered output.
+/// Null when git is unavailable or the window doesn't map to commits.
+fn renderFromParts(
+    out: *std.Io.Writer,
+    color: bool,
     allocator: std.mem.Allocator,
+    args: RenderArgs,
 ) !void {
     var cv = try view.buildCompareView(
         allocator,
-        then_date,
-        now_date,
-        now_is_live,
-        then_liquid,
-        now_liquid,
-        then_map,
-        now_map,
+        args.then_date,
+        args.now_date,
+        args.now_is_live,
+        args.then_liquid,
+        args.now_liquid,
+        args.then_map,
+        args.now_map,
     );
     defer cv.deinit(allocator);
 
+    // Wire the attribution into the view so the renderer can surface
+    // it. `total()` is the caller's numeric — gains are derived from
+    // the liquid delta.
+    if (args.attribution) |a| {
+        cv.attribution = .{
+            .contributions = a.total(),
+            .gains = cv.liquid.delta - a.total(),
+        };
+    }
+
     try renderCompare(out, color, cv);
 }
 
@@ -306,13 +338,13 @@ const LiveSide = struct {
 
 /// Print a "no snapshot for <date>" message plus the nearest earlier
 /// and later available dates to stderr. Wraps the pure
-/// `history_io.findNearestSnapshot` with CLI-specific output.
+/// `history.findNearestSnapshot` with CLI-specific output.
 fn suggestNearest(
     allocator: std.mem.Allocator,
     hist_dir: []const u8,
     target: Date,
 ) !void {
-    const nearest = history_io.findNearestSnapshot(hist_dir, target) catch |err| {
+    const nearest = history.findNearestSnapshot(hist_dir, target) catch |err| {
         try cli.stderrPrint("Error scanning history directory: ");
         try cli.stderrPrint(@errorName(err));
         try cli.stderrPrint("\n");
@@ -380,17 +412,21 @@ fn renderCompare(out: *std.Io.Writer, color: bool, cv: view.CompareView) !void {
 
     // Totals line — two-color: muted "then → now", intent-colored delta/pct.
     try renderTotalsLine(out, color, cv.liquid);
+
+    // Optional attribution line: breaks the liquid delta into
+    // contributions vs. market gains/losses. Only present when the
+    // `compare` CLI had a git repo to work with.
+    if (cv.attribution) |a| {
+        try renderAttributionLine(out, color, cv.liquid.delta, a);
+    }
+
     try out.print("\n", .{});
 
     // Per-symbol table
     if (cv.held_count == 0) {
-        try cli.setFg(out, color, cli.CLR_MUTED);
-        try out.print("No symbols held throughout this period.\n", .{});
-        try cli.reset(out, color);
+        try cli.printFg(out, color, cli.CLR_MUTED, "No symbols held throughout this period.\n", .{});
     } else {
-        try cli.setFg(out, color, cli.CLR_MUTED);
-        try out.print("Per-symbol price change ({d} held throughout)\n", .{cv.held_count});
-        try cli.reset(out, color);
+        try cli.printFg(out, color, cli.CLR_MUTED, "Per-symbol price change ({d} held throughout)\n", .{cv.held_count});
 
         for (cv.symbols) |s| {
             try renderSymbolRow(out, color, s);
@@ -400,13 +436,11 @@ fn renderCompare(out: *std.Io.Writer, color: bool, cv: view.CompareView) !void {
     // Hidden count
     if (cv.added_count > 0 or cv.removed_count > 0) {
         try out.print("\n", .{});
-        try cli.setFg(out, color, cli.CLR_MUTED);
-        try out.print("({d} added, {d} removed since {s} — hidden)\n", .{
+        try cli.printFg(out, color, cli.CLR_MUTED, "({d} added, {d} removed since {s} — hidden)\n", .{
             cv.added_count,
             cv.removed_count,
             then_str,
         });
-        try cli.reset(out, color);
     }
 }
 
@@ -419,14 +453,39 @@ fn renderTotalsLine(out: *std.Io.Writer, color: bool, t: view.TotalsRow) !void {
     const c = view.buildTotalsCells(t, &then_buf, &now_buf, &delta_buf, &pct_buf);
 
     try out.print("Liquid:  ", .{});
-    // "then → now" in muted color
-    try cli.setFg(out, color, cli.CLR_MUTED);
-    try out.print("{s}{s}{s}", .{ c.then, view.arrow, c.now });
-    try cli.reset(out, color);
-    // Delta + pct in intent color
-    try cli.setStyleIntent(out, color, c.style);
-    try out.print("    {s}   {s}\n", .{ c.delta, c.pct });
-    try cli.reset(out, color);
+    try cli.printFg(out, color, cli.CLR_MUTED, "{s}{s}{s}", .{ c.then, view.arrow, c.now });
+    try cli.printIntent(out, color, c.style, "    {s}   {s}\n", .{ c.delta, c.pct });
+}
+
+/// Render the contributions-vs-gains attribution line directly beneath
+/// the Liquid totals. Matches the email format:
+///
+///     Attribution:  +$30,148.02 delta = +$22,636.00 contributions + +$7,512.02 gains
+///
+/// All three amounts are signed: negative contributions (net
+/// withdrawal) and negative gains (market loss) both print with a
+/// leading `-`. Indent of the label column aligns with "Liquid:".
+fn renderAttributionLine(out: *std.Io.Writer, color: bool, delta: f64, attribution: view.Attribution) !void {
+    var delta_buf: [32]u8 = undefined;
+    var contrib_buf: [32]u8 = undefined;
+    var gains_buf: [32]u8 = undefined;
+    const delta_str = view_hist.fmtSignedMoneyBuf(&delta_buf, delta);
+    const contrib_str = view_hist.fmtSignedMoneyBuf(&contrib_buf, attribution.contributions);
+    const gains_str = view_hist.fmtSignedMoneyBuf(&gains_buf, attribution.gains);
+
+    // Sign-aware joiner between `contributions` and `gains`:
+    //   gains >= 0 → " + " (explicit addition).
+    //   gains < 0  → " " (the leading "-" on gains_str carries the sign;
+    //                     avoids visual clutter of "+$X + -$Y").
+    const joiner: []const u8 = if (attribution.gains >= 0) " + " else " ";
+
+    try cli.printFg(out, color, cli.CLR_MUTED, "Attribution:  ", .{});
+    try cli.printGainLoss(out, color, delta, "{s}", .{delta_str});
+    try cli.printFg(out, color, cli.CLR_MUTED, " delta = ", .{});
+    try cli.printGainLoss(out, color, attribution.contributions, "{s}", .{contrib_str});
+    try cli.printFg(out, color, cli.CLR_MUTED, " contributions{s}", .{joiner});
+    try cli.printGainLoss(out, color, attribution.gains, "{s}", .{gains_str});
+    try cli.printFg(out, color, cli.CLR_MUTED, " gains\n", .{});
 }
 
 fn renderSymbolRow(out: *std.Io.Writer, color: bool, s: view.SymbolChange) !void {
@@ -440,13 +499,9 @@ fn renderSymbolRow(out: *std.Io.Writer, color: bool, s: view.SymbolChange) !void
     // Leading indent + symbol in default color.
     try out.print("  " ++ view.symbol_fmt ++ " ", .{c.symbol});
     // "then → now" in muted color.
-    try cli.setFg(out, color, cli.CLR_MUTED);
-    try out.print(view.price_right_fmt ++ "{s}" ++ view.price_left_fmt, .{ c.price_then, view.arrow, c.price_now });
-    try cli.reset(out, color);
+    try cli.printFg(out, color, cli.CLR_MUTED, view.price_right_fmt ++ "{s}" ++ view.price_left_fmt, .{ c.price_then, view.arrow, c.price_now });
     // Delta/pct in intent color.
-    try cli.setStyleIntent(out, color, c.style);
-    try out.print("  " ++ view.pct_fmt ++ "  " ++ view.dollar_fmt ++ "\n", .{ c.pct, c.dollar });
-    try cli.reset(out, color);
+    try cli.printIntent(out, color, c.style, "  " ++ view.pct_fmt ++ "  " ++ view.dollar_fmt ++ "\n", .{ c.pct, c.dollar });
 }
 
 // ── Tests ────────────────────────────────────────────────────
@@ -617,6 +672,89 @@ test "renderCompare: negative totals delta" {
     try testing.expect(std.mem.indexOf(u8, out, "-10.00%") != null);
 }
 
+test "renderCompare: attribution line when attribution is set" {
+    const cv = view.CompareView{
+        .then_date = Date.fromYmd(2026, 3, 13),
+        .now_date = Date.fromYmd(2026, 4, 2),
+        .days_between = 20,
+        .now_is_live = true,
+        .liquid = view.buildTotalsRow(7_698_825.62, 7_728_973.64),
+        .symbols = &.{},
+        .held_count = 0,
+        .added_count = 0,
+        .removed_count = 0,
+        // Numbers match the real-world email example:
+        // +$30,148 delta = +$22,636 contributions + +$7,512 gains
+        .attribution = .{
+            .contributions = 22_636.00,
+            .gains = 7_512.02,
+        },
+    };
+
+    var buf: [4096]u8 = undefined;
+    var stream = std.Io.Writer.fixed(&buf);
+    try renderCompare(&stream, false, cv);
+    const out = stream.buffered();
+
+    try testing.expect(std.mem.indexOf(u8, out, "Attribution:") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "+$30,148.02") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "+$22,636.00") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "+$7,512.02") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "contributions") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "gains") != null);
+}
+
+test "renderCompare: no attribution line when attribution is null" {
+    const cv = view.CompareView{
+        .then_date = Date.fromYmd(2024, 1, 15),
+        .now_date = Date.fromYmd(2024, 3, 15),
+        .days_between = 60,
+        .now_is_live = false,
+        .liquid = view.buildTotalsRow(100, 110),
+        .symbols = &.{},
+        .held_count = 0,
+        .added_count = 0,
+        .removed_count = 0,
+        // attribution intentionally omitted (defaults to null)
+    };
+
+    var buf: [2048]u8 = undefined;
+    var stream = std.Io.Writer.fixed(&buf);
+    try renderCompare(&stream, false, cv);
+    const out = stream.buffered();
+
+    try testing.expect(std.mem.indexOf(u8, out, "Attribution:") == null);
+}
+
+test "renderCompare: attribution handles negative gains" {
+    // Window where contributions happened but market fell.
+    const cv = view.CompareView{
+        .then_date = Date.fromYmd(2026, 3, 13),
+        .now_date = Date.fromYmd(2026, 4, 2),
+        .days_between = 20,
+        .now_is_live = true,
+        // Liquid went UP (net), but only because contributions
+        // overcompensated for market losses.
+        .liquid = view.buildTotalsRow(1_000_000, 1_005_000),
+        .symbols = &.{},
+        .held_count = 0,
+        .added_count = 0,
+        .removed_count = 0,
+        .attribution = .{
+            .contributions = 15_000,
+            .gains = -10_000, // delta − contributions = 5000 − 15000 = −10k
+        },
+    };
+
+    var buf: [4096]u8 = undefined;
+    var stream = std.Io.Writer.fixed(&buf);
+    try renderCompare(&stream, false, cv);
+    const out = stream.buffered();
+
+    try testing.expect(std.mem.indexOf(u8, out, "+$15,000.00") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "-$10,000.00") != null);
+}
+
 // ── run() entry-point validation tests ─────────────────────────
 
 fn makeTestSvc() zfin.DataService {
diff --git a/src/commands/contributions.zig b/src/commands/contributions.zig
index 31a05cd..3777f31 100644
--- a/src/commands/contributions.zig
+++ b/src/commands/contributions.zig
@@ -1,9 +1,20 @@
 //! `zfin contributions` — show money added to the portfolio since the
 //! last recorded state in git.
 //!
-//! Compares two snapshots of portfolio.srf:
-//!   - dirty working tree:  HEAD  vs  working copy  (default case)
-//!   - clean working tree:  HEAD~1 vs HEAD           (review last commit)
+//! Four modes:
+//!   - No flags (default):
+//!       - dirty working tree:  HEAD  vs  working copy
+//!       - clean working tree:  HEAD~1 vs HEAD           (review last commit)
+//!   - `--since <DATE>`:        commit-at-or-before(DATE) vs HEAD (or working copy if dirty)
+//!   - `--since <D1> --until <D2>`: commit-at-or-before(D1) vs commit-at-or-before(D2)
+//!   - `--until <DATE>` alone:  rejected; window is ambiguous
+//!
+//! The `--since` / `--until` flags use `commitAtOrBeforeDate` in
+//! `src/git.zig`, which runs `git log --until=<DATE> -1 -- portfolio.srf`
+//! to pick the most recent commit at or before the requested date.
+//! Relative forms (1M, 3Q, 1Y) are also accepted — parsed by
+//! `cli.parseAsOfDate` and resolved to an absolute date before being
+//! passed in.
 //!
 //! Classifies each lot-level change as:
 //!   - New contribution     (new lot, or cash increase for a fresh cash line)
@@ -29,10 +40,20 @@ const LotType = @import("../models/portfolio.zig").LotType;
 
 // ── Public entry point ───────────────────────────────────────
 
+/// Resolved endpoints for the contributions diff: the before/after
+/// commit range (from `git.resolveCommitRange`) plus the
+/// human-readable label for the report header.
+const Endpoints = struct {
+    range: git.CommitRange,
+    label: []const u8,
+};
+
 pub fn run(
     allocator: std.mem.Allocator,
     svc: *zfin.DataService,
     portfolio_path: []const u8,
+    since: ?Date,
+    until: ?Date,
     color: bool,
     out: *std.Io.Writer,
 ) !void {
@@ -44,101 +65,352 @@ pub fn run(
     defer arena_state.deinit();
     const arena = arena_state.allocator();
 
-    // 1. Figure out the git repo and the portfolio's path inside it.
-    const repo = git.findRepo(arena, portfolio_path) catch |err| {
-        switch (err) {
-            error.NotInGitRepo => try cli.stderrPrint("Error: contributions requires portfolio.srf to be in a git repo.\n"),
-            error.GitUnavailable => try cli.stderrPrint("Error: could not run 'git'. Is git installed and on PATH?\n"),
-            else => try cli.stderrPrint("Error locating git repo.\n"),
-        }
+    // Enforce the "--until without --since is ambiguous" rule at the
+    // entry point so `resolveEndpoints`/`git.resolveCommitRange` can
+    // assume the invariant.
+    if (since == null and until != null) {
+        try cli.stderrPrint("Error: --until requires --since. Use `contributions --since <DATE>` or both.\n");
         return;
+    }
+
+    var ctx = prepareReport(allocator, arena, svc, portfolio_path, since, until, color, .verbose) catch return;
+    defer ctx.deinit();
+
+    try printReport(out, &ctx.report, ctx.endpoints.label, color);
+    try out.flush();
+}
+
+/// Shared pipeline context: everything `run` and `computeAttribution`
+/// both need from the git-backed diff.
+///
+/// Owned fields split across two allocators:
+///   - `before_pf` / `after_pf` use the base allocator (their own
+///     `deinit` frees internals).
+///   - `endpoints`, `report`, and the snapshot blobs live in the
+///     supplied arena; the arena's own `deinit` cleans them up.
+/// `deinit` releases only the base-allocator-owned pieces.
+const ReportContext = struct {
+    endpoints: Endpoints,
+    before_pf: zfin.Portfolio,
+    after_pf: zfin.Portfolio,
+    report: Report,
+
+    fn deinit(self: *ReportContext) void {
+        self.before_pf.deinit();
+        self.after_pf.deinit();
+    }
+};
+
+const PrepareError = error{PrepareFailed};
+
+/// Run the common pipeline — resolve endpoints, read both blobs,
+/// parse both portfolios, fetch prices, build the report.
+///
+/// Shared between `run` (prints the report) and
+/// `computeAttributionImpl` (aggregates totals). Centralizes the git
+/// plumbing and the price-loading step; callers own their output
+/// decisions.
+///
+/// Stderr output is gated by `verbosity`: `.verbose` is the `run`
+/// path (user sees why things failed); `.silent` is the attribution
+/// path (failure just means "no attribution line", don't nag).
+fn prepareReport(
+    allocator: std.mem.Allocator,
+    arena: std.mem.Allocator,
+    svc: *zfin.DataService,
+    portfolio_path: []const u8,
+    since: ?Date,
+    until: ?Date,
+    color: bool,
+    verbosity: Verbosity,
+) PrepareError!ReportContext {
+    const repo = git.findRepo(arena, portfolio_path) catch |err| {
+        if (verbosity == .verbose) {
+            switch (err) {
+                error.NotInGitRepo => cli.stderrPrint("Error: contributions requires portfolio.srf to be in a git repo.\n") catch {},
+                error.GitUnavailable => cli.stderrPrint("Error: could not run 'git'. Is git installed and on PATH?\n") catch {},
+                else => cli.stderrPrint("Error locating git repo.\n") catch {},
+            }
+        }
+        return error.PrepareFailed;
     };
 
-    // 2. Decide which snapshots to compare.
-    const status = try git.pathStatus(arena, repo.root, repo.rel_path);
+    const status = git.pathStatus(arena, repo.root, repo.rel_path) catch {
+        if (verbosity == .verbose) cli.stderrPrint("Error: could not determine git status of portfolio.srf.\n") catch {};
+        return error.PrepareFailed;
+    };
     if (status == .untracked) {
-        try cli.stderrPrint("Error: portfolio.srf is not tracked in git. Add and commit it first.\n");
-        return;
+        if (verbosity == .verbose) cli.stderrPrint("Error: portfolio.srf is not tracked in git. Add and commit it first.\n") catch {};
+        return error.PrepareFailed;
     }
     const dirty = status == .modified;
 
-    // 3. Pull both snapshots.
-    const before = if (dirty)
-        git.show(arena, repo.root, "HEAD", repo.rel_path) catch |err| {
-            switch (err) {
-                error.PathMissingInRev => try cli.stderrPrint("Error: portfolio.srf not present at HEAD.\n"),
-                else => try cli.stderrPrint("Error reading HEAD:portfolio.srf from git.\n"),
-            }
-            return;
-        }
-    else
-        git.show(arena, repo.root, "HEAD~1", repo.rel_path) catch |err| {
-            switch (err) {
-                error.PathMissingInRev => try cli.stderrPrint("Error: portfolio.srf not present at HEAD~1.\n"),
-                error.UnknownRevision => try cli.stderrPrint("Error: no prior commit to compare against (HEAD~1 does not exist).\n"),
-                else => try cli.stderrPrint("Error reading HEAD~1:portfolio.srf from git.\n"),
-            }
-            return;
-        };
+    const endpoints = resolveEndpoints(arena, repo, since, until, dirty, verbosity) catch return error.PrepareFailed;
 
-    const after = if (dirty)
-        std.fs.cwd().readFileAlloc(arena, portfolio_path, 10 * 1024 * 1024) catch {
-            try cli.stderrPrint("Error reading working-copy portfolio file.\n");
-            return;
+    // Pull both sides: before is always from git; after is either
+    // from git (at some revision) or from the working copy.
+    const before = git.show(arena, repo.root, endpoints.range.before_rev, repo.rel_path) catch |err| {
+        if (verbosity == .verbose) {
+            var buf: [256]u8 = undefined;
+            const msg = std.fmt.bufPrint(&buf, "Error reading {s}:portfolio.srf from git: {s}\n", .{ endpoints.range.before_rev, @errorName(err) }) catch "Error reading before-side portfolio.\n";
+            cli.stderrPrint(msg) catch {};
         }
-    else
-        git.show(arena, repo.root, "HEAD", repo.rel_path) catch {
-            try cli.stderrPrint("Error reading HEAD:portfolio.srf from git.\n");
-            return;
-        };
-
-    // 4. Parse both. Portfolio uses the base allocator; its own deinit frees
-    // its internals independently of the arena.
-    var before_pf = zfin.cache.deserializePortfolio(allocator, before) catch {
-        try cli.stderrPrint("Error parsing before-snapshot portfolio.\n");
-        return;
+        return error.PrepareFailed;
     };
-    defer before_pf.deinit();
+
+    const after = if (endpoints.range.after_rev) |rev|
+        git.show(arena, repo.root, rev, repo.rel_path) catch |err| {
+            if (verbosity == .verbose) {
+                var buf: [256]u8 = undefined;
+                const msg = std.fmt.bufPrint(&buf, "Error reading {s}:portfolio.srf from git: {s}\n", .{ rev, @errorName(err) }) catch "Error reading after-side portfolio.\n";
+                cli.stderrPrint(msg) catch {};
+            }
+            return error.PrepareFailed;
+        }
+    else
+        std.fs.cwd().readFileAlloc(arena, portfolio_path, 10 * 1024 * 1024) catch {
+            if (verbosity == .verbose) cli.stderrPrint("Error reading working-copy portfolio file.\n") catch {};
+            return error.PrepareFailed;
+        };
+
+    var before_pf = zfin.cache.deserializePortfolio(allocator, before) catch {
+        if (verbosity == .verbose) cli.stderrPrint("Error parsing before-snapshot portfolio.\n") catch {};
+        return error.PrepareFailed;
+    };
+    errdefer before_pf.deinit();
 
     var after_pf = zfin.cache.deserializePortfolio(allocator, after) catch {
-        try cli.stderrPrint("Error parsing after-snapshot portfolio.\n");
-        return;
+        if (verbosity == .verbose) cli.stderrPrint("Error parsing after-snapshot portfolio.\n") catch {};
+        return error.PrepareFailed;
     };
-    defer after_pf.deinit();
+    errdefer after_pf.deinit();
 
-    // 5. Fetch current prices (cache-hit preferred) for DRIP/share-delta valuation.
+    // Fetch current prices (cache-hit preferred) for DRIP/share-delta valuation.
     var prices = std.StringHashMap(f64).init(arena);
-    // Union of stock symbols from both snapshots.
     var sym_set = std.StringHashMap(void).init(arena);
     for (before_pf.lots) |l| {
         if (l.security_type == .stock and !(l.price != null and l.ticker == null)) {
-            try sym_set.put(l.priceSymbol(), {});
+            sym_set.put(l.priceSymbol(), {}) catch return error.PrepareFailed;
         }
     }
     for (after_pf.lots) |l| {
         if (l.security_type == .stock and !(l.price != null and l.ticker == null)) {
-            try sym_set.put(l.priceSymbol(), {});
+            sym_set.put(l.priceSymbol(), {}) catch return error.PrepareFailed;
         }
     }
     var syms: std.ArrayList([]const u8) = .empty;
     var sit = sym_set.keyIterator();
-    while (sit.next()) |k| try syms.append(arena, k.*);
+    while (sit.next()) |k| syms.append(arena, k.*) catch return error.PrepareFailed;
 
     if (syms.items.len > 0) {
         var load_result = cli.loadPortfolioPrices(svc, syms.items, &.{}, false, color);
         defer load_result.deinit();
         var pit = load_result.prices.iterator();
         while (pit.next()) |entry| {
-            try prices.put(entry.key_ptr.*, entry.value_ptr.*);
+            prices.put(entry.key_ptr.*, entry.value_ptr.*) catch return error.PrepareFailed;
         }
     }
 
-    // 6. Compute the diff and print the report. The Report's backing memory
-    // lives in the arena; no explicit deinit needed.
-    const report = try computeReport(arena, before_pf.lots, after_pf.lots, &prices, fmt.todayDate());
+    const report = computeReport(arena, before_pf.lots, after_pf.lots, &prices, fmt.todayDate()) catch {
+        if (verbosity == .verbose) cli.stderrPrint("Error computing contributions diff.\n") catch {};
+        return error.PrepareFailed;
+    };
 
-    try printReport(out, &report, dirty, color);
-    try out.flush();
+    return .{
+        .endpoints = endpoints,
+        .before_pf = before_pf,
+        .after_pf = after_pf,
+        .report = report,
+    };
+}
+
+/// Whether `resolveEndpoints` / `prepareReport` should print
+/// explanatory stderr messages when the window can't be resolved. The
+/// main `run` command uses `.verbose` so the user sees why the command
+/// failed; the internal `computeAttribution` helper uses `.silent`
+/// because a missing git window is an expected null-return case, not
+/// a hard error.
+const Verbosity = enum { verbose, silent };
+
+/// Resolve `since` / `until` flags plus dirty-working-tree state to
+/// the pair of git revisions to diff, along with a human-readable
+/// label for the report header.
+///
+/// Pure SHA-level resolution is delegated to `git.resolveCommitRange`;
+/// this wrapper adds:
+///   - Label formatting (CLI-level presentation concern).
+///   - Stderr messages on failure (respecting `verbosity`).
+///   - A friendly "resolved to the same commit" warning when
+///     `--since` and `--until` collapse.
+fn resolveEndpoints(
+    arena: std.mem.Allocator,
+    repo: git.RepoInfo,
+    since: ?Date,
+    until: ?Date,
+    dirty: bool,
+    verbosity: Verbosity,
+) !Endpoints {
+    const range = git.resolveCommitRange(arena, repo, since, until, dirty) catch |err| {
+        if (verbosity == .verbose) {
+            switch (err) {
+                error.NoCommitAtOrBefore => {
+                    // Report which flag triggered it. When both are set
+                    // we can't easily tell from here; message covers both.
+                    var since_buf: [10]u8 = undefined;
+                    const since_str = if (since) |s| s.format(&since_buf) else "(unset)";
+                    var msg_buf: [256]u8 = undefined;
+                    const msg = std.fmt.bufPrint(&msg_buf, "Error: no commit of {s} at or before {s}.\n", .{ repo.rel_path, since_str }) catch "Error: no commit at or before requested date.\n";
+                    try cli.stderrPrint(msg);
+                },
+                else => {
+                    try cli.stderrPrint("Error resolving commit range: ");
+                    try cli.stderrPrint(@errorName(err));
+                    try cli.stderrPrint("\n");
+                },
+            }
+        }
+        return error.ResolveFailed;
+    };
+
+    // Label the endpoints based on the resolution mode. Matches the
+    // legacy phrasing where possible so existing test assertions still
+    // pass.
+    const label = try buildLabel(arena, range, since, until, dirty);
+
+    // Same-commit warning for the two-date window case. Legit confusion
+    // trigger — the user asked for a diff between two dates that both
+    // snap to the same commit (e.g., no activity in the window).
+    if (since != null and until != null and verbosity == .verbose) {
+        if (range.after_rev) |after_rev| {
+            if (std.mem.eql(u8, range.before_rev, after_rev)) {
+                try cli.stderrPrint("Warning: --since and --until resolve to the same commit; no changes to report.\n");
+            }
+        }
+    }
+
+    return .{ .range = range, .label = label };
+}
+
+/// Build the human-readable header label for a resolved range.
+fn buildLabel(
+    arena: std.mem.Allocator,
+    range: git.CommitRange,
+    since: ?Date,
+    until: ?Date,
+    dirty: bool,
+) ![]const u8 {
+    // No date window → legacy labels, matches pre-since/--until wording.
+    if (since == null) {
+        return if (dirty)
+            "Comparing working copy against HEAD"
+        else
+            "Working tree clean — comparing HEAD~1 against HEAD";
+    }
+
+    var since_buf: [10]u8 = undefined;
+    const since_str = since.?.format(&since_buf);
+
+    if (until) |until_date| {
+        var until_buf: [10]u8 = undefined;
+        const until_str = until_date.format(&until_buf);
+        return std.fmt.allocPrint(arena, "Comparing {s} ({s}) against {s} ({s})", .{
+            short(range.before_rev),
+            since_str,
+            short(range.after_rev.?),
+            until_str,
+        });
+    }
+
+    // --since only: after side is HEAD or working copy.
+    return if (dirty)
+        std.fmt.allocPrint(arena, "Comparing {s} ({s}) against working copy", .{ short(range.before_rev), since_str })
+    else
+        std.fmt.allocPrint(arena, "Comparing {s} ({s}) against HEAD", .{ short(range.before_rev), since_str });
+}
+
+/// 7-char short SHA for display. Runtime behavior is already
+/// length-agnostic (accepts any `>= 7`), so this works for both SHA-1
+/// (40-char) and SHA-256 (64-char) repos without modification.
+/// Slices rather than reallocs.
+fn short(sha: []const u8) []const u8 {
+    return if (sha.len >= 7) sha[0..7] else sha;
+}
+
+// ── Attribution helper for compare ──────────────────────────
+
+/// Aggregated "money in" totals over a date window, produced by the
+/// contributions pipeline but distilled to the numbers needed for
+/// the compare-command attribution line.
+///
+/// "Contributions" in the plain-English sense (what the user wrote a
+/// check for or what got DRIP'd back in) = `new_contributions` +
+/// `drip`. CD face-value rollovers are *not* here — moving a maturing
+/// CD's face value back into cash isn't new money, and `new_cash`
+/// records during that transaction don't double-count because the
+/// pipeline separates cd_matured from cash_delta.
+pub const AttributionSummary = struct {
+    /// Fresh lots that represent outside money: 401k contributions,
+    /// DRIP-false stock purchases, CD openings, option opens, cash
+    /// top-ups. Matches the "New contributions / purchases" section
+    /// in the full report.
+    new_contributions: f64,
+    /// Dividend reinvestments: new `drip::true` lots + share increases
+    /// on same-key drip lots + rollup share deltas (ambiguous
+    /// contribution-vs-DRIP cases, treated as DRIP here to avoid
+    /// double-counting with cash contributions).
+    drip: f64,
+
+    pub fn total(self: AttributionSummary) f64 {
+        return self.new_contributions + self.drip;
+    }
+};
+
+/// Run the contributions pipeline over a date window and return the
+/// aggregated "money in" totals. Returns null on any failure —
+/// intended callers (e.g. `compare`) surface the attribution line
+/// opportunistically; a missing git repo or no resolvable commits
+/// shouldn't break the primary command.
+///
+/// Parameters mirror `run` but without the writer/color: no output
+/// is produced. Failures swallow silently via the shared
+/// `prepareReport` helper's `.silent` verbosity.
+pub fn computeAttribution(
+    allocator: std.mem.Allocator,
+    svc: *zfin.DataService,
+    portfolio_path: []const u8,
+    since: ?Date,
+    until: ?Date,
+    color: bool,
+) ?AttributionSummary {
+    // `--until` without `--since` is ambiguous; caller is expected to
+    // enforce this at the entry point, but guard here too — the
+    // prepareReport path sends it through `git.resolveCommitRange`
+    // which asserts the invariant.
+    if (since == null and until != null) return null;
+
+    var arena_state = std.heap.ArenaAllocator.init(allocator);
+    defer arena_state.deinit();
+    const arena = arena_state.allocator();
+
+    var ctx = prepareReport(allocator, arena, svc, portfolio_path, since, until, color, .silent) catch return null;
+    defer ctx.deinit();
+
+    // Aggregate. Classification logic matches the full-report sections:
+    //   - New contributions: new_stock + new_cash + new_cd + new_option
+    //   - DRIP: new_drip_lot + drip_confirmed + rollup_delta
+    // `rollup_delta` is the ambiguous "share increased on a drip::false
+    // lot" case. Lumping it with DRIP here matches the report's own
+    // visual grouping (both shown as positive, both under DRIP-ish
+    // headings) and prevents double-counting against cash_delta.
+    var new_contributions: f64 = 0;
+    var drip: f64 = 0;
+    for (ctx.report.changes) |c| switch (c.kind) {
+        .new_stock, .new_cash, .new_cd, .new_option => new_contributions += c.value(),
+        .new_drip_lot, .drip_confirmed, .rollup_delta => drip += c.value(),
+        else => {},
+    };
+
+    return .{ .new_contributions = new_contributions, .drip = drip };
 }
 
 // ── Git discovery / invocation ───────────────────────────────
@@ -448,7 +720,7 @@ fn computeReport(
 
 // ── Output ───────────────────────────────────────────────────
 
-fn printReport(out: *std.Io.Writer, report: *const Report, dirty: bool, color: bool) !void {
+fn printReport(out: *std.Io.Writer, report: *const Report, label: []const u8, color: bool) !void {
     const h_color = cli.CLR_HEADER;
     const pos_color = cli.CLR_POSITIVE;
     const mut_color = cli.CLR_MUTED;
@@ -460,11 +732,9 @@ fn printReport(out: *std.Io.Writer, report: *const Report, dirty: bool, color: b
     try out.writeAll("Portfolio contributions report\n");
     try cli.reset(out, color);
     try cli.setFg(out, color, mut_color);
-    if (dirty) {
-        try out.writeAll("  Comparing working copy against HEAD\n\n");
-    } else {
-        try out.writeAll("  Working tree clean — comparing HEAD~1 against HEAD\n\n");
-    }
+    try out.writeAll("  ");
+    try out.writeAll(label);
+    try out.writeAll("\n\n");
     try cli.reset(out, color);
 
     // If nothing changed at all, say so explicitly and return.
@@ -656,24 +926,16 @@ fn printReport(out: *std.Io.Writer, report: *const Report, dirty: bool, color: b
 
 fn printSection(out: *std.Io.Writer, title: []const u8, color: bool, hdr: [3]u8) !void {
     try cli.setBold(out, color);
-    try cli.setFg(out, color, hdr);
-    try out.writeAll("== ");
-    try out.writeAll(title);
-    try out.writeAll(" ==\n");
-    try cli.reset(out, color);
+    try cli.printFg(out, color, hdr, "== {s} ==\n", .{title});
 }
 
 fn printNone(out: *std.Io.Writer, color: bool, muted: [3]u8) !void {
-    try cli.setFg(out, color, muted);
-    try out.writeAll("  (none)\n");
-    try cli.reset(out, color);
+    try cli.printFg(out, color, muted, "  (none)\n", .{});
 }
 
 fn printTotalLine(out: *std.Io.Writer, label: []const u8, v: f64, color: bool, hdr: [3]u8) !void {
     var buf: [32]u8 = undefined;
-    try cli.setFg(out, color, hdr);
-    try out.print("  {s}: {s}\n", .{ label, fmt.fmtMoneyAbs(&buf, v) });
-    try cli.reset(out, color);
+    try cli.printFg(out, color, hdr, "  {s}: {s}\n", .{ label, fmt.fmtMoneyAbs(&buf, v) });
 }
 
 fn printChangeLine(out: *std.Io.Writer, c: Change, color: bool, pos: [3]u8) !void {
@@ -687,14 +949,10 @@ fn printChangeLine(out: *std.Io.Writer, c: Change, color: bool, pos: [3]u8) !voi
     const acct = if (c.account.len == 0) "(no account)" else c.account;
     try out.print("  {s:<14}{s:<24}", .{ c.symbol, acct });
     if (c.security_type == .cash) {
-        try cli.setFg(out, color, pos);
-        try out.print(" {s}", .{val_str});
-        try cli.reset(out, color);
+        try cli.printFg(out, color, pos, " {s}", .{val_str});
     } else {
         try out.print(" {s} shares × {s} = ", .{ share_str, price_str });
-        try cli.setFg(out, color, pos);
-        try out.print("{s}", .{val_str});
-        try cli.reset(out, color);
+        try cli.printFg(out, color, pos, "{s}", .{val_str});
     }
     try out.writeAll("\n");
 }
@@ -718,9 +976,7 @@ fn printCdLine(out: *std.Io.Writer, c: Change, implied_interest: ?f64, color: bo
     });
     if (implied_interest) |i| {
         var int_buf: [32]u8 = undefined;
-        try cli.setFg(out, color, cli.CLR_POSITIVE);
-        try out.print("  {s:<14}{s:<24} implied interest: {s}\n", .{ "", "", fmt.fmtMoneyAbs(&int_buf, i) });
-        try cli.reset(out, color);
+        try cli.printFg(out, color, cli.CLR_POSITIVE, "  {s:<14}{s:<24} implied interest: {s}\n", .{ "", "", fmt.fmtMoneyAbs(&int_buf, i) });
     }
 }
 
@@ -730,17 +986,13 @@ fn printCashDeltaLine(out: *std.Io.Writer, c: Change, report: *const Report, col
     const acct = if (c.account.len == 0) "(no account)" else c.account;
     const sign = if (v >= 0) "+" else "-";
     try out.print("  {s:<14}{s:<24} cash ", .{ c.symbol, acct });
-    try cli.setGainLoss(out, color, v);
-    try out.print("{s}{s}", .{ sign, fmt.fmtMoneyAbs(&val_buf, @abs(v)) });
-    try cli.reset(out, color);
+    try cli.printGainLoss(out, color, v, "{s}{s}", .{ sign, fmt.fmtMoneyAbs(&val_buf, @abs(v)) });
 
     // Hint if a CD matured in the same account.
     for (report.changes) |o| {
         if (o.kind == .cd_matured and std.mem.eql(u8, o.account, c.account)) {
             var face_buf: [32]u8 = undefined;
-            try cli.setFg(out, color, cli.CLR_MUTED);
-            try out.print("   (may include CD maturity of {s})", .{fmt.fmtMoneyAbs(&face_buf, o.face_value)});
-            try cli.reset(out, color);
+            try cli.printFg(out, color, cli.CLR_MUTED, "   (may include CD maturity of {s})", .{fmt.fmtMoneyAbs(&face_buf, o.face_value)});
             break;
         }
     }
@@ -751,14 +1003,12 @@ fn printPriceOnlyLine(out: *std.Io.Writer, c: Change, color: bool, muted: [3]u8)
     var old_buf: [32]u8 = undefined;
     var new_buf: [32]u8 = undefined;
     const acct = if (c.account.len == 0) "(no account)" else c.account;
-    try cli.setFg(out, color, muted);
-    try out.print("  {s:<14}{s:<24} price {s} → {s}\n", .{
+    try cli.printFg(out, color, muted, "  {s:<14}{s:<24} price {s} → {s}\n", .{
         c.symbol,
         acct,
         fmt.fmtMoneyAbs(&old_buf, c.old_price),
         fmt.fmtMoneyAbs(&new_buf, c.new_price),
     });
-    try cli.reset(out, color);
 }
 
 fn printFlaggedLine(out: *std.Io.Writer, c: Change, color: bool, warn: [3]u8) !void {
@@ -1102,3 +1352,51 @@ test "computeReport: per-account totals separate drip_confirmed from rollup" {
     try std.testing.expectApproxEqAbs(@as(f64, 195.8), t.rollup, 0.01);
     try std.testing.expectApproxEqAbs(@as(f64, 0), t.new_money, 0.01);
 }
+
+// ── resolveEndpoints tests ───────────────────────────────────
+//
+// Only the legacy (no-flags) and --since-only branches that don't
+// shell out to git can be unit-tested cheaply. The full flag paths
+// (`--since`, `--since`+`--until`) depend on `git log --until=<DATE>`,
+// which requires a real repo and is covered by `src/git.zig` tests
+// plus manual smoke-testing.
+
+test "resolveEndpoints: legacy dirty → HEAD vs working copy" {
+    var arena_state = std.heap.ArenaAllocator.init(std.testing.allocator);
+    defer arena_state.deinit();
+    const repo: git.RepoInfo = .{ .root = "/tmp", .rel_path = "portfolio.srf" };
+
+    const eps = try resolveEndpoints(arena_state.allocator(), repo, null, null, true, .verbose);
+    try std.testing.expectEqualStrings("HEAD", eps.range.before_rev);
+    try std.testing.expect(eps.range.after_rev == null);
+    try std.testing.expect(std.mem.indexOf(u8, eps.label, "working copy against HEAD") != null);
+}
+
+test "resolveEndpoints: legacy clean → HEAD~1 vs HEAD" {
+    var arena_state = std.heap.ArenaAllocator.init(std.testing.allocator);
+    defer arena_state.deinit();
+    const repo: git.RepoInfo = .{ .root = "/tmp", .rel_path = "portfolio.srf" };
+
+    const eps = try resolveEndpoints(arena_state.allocator(), repo, null, null, false, .verbose);
+    try std.testing.expectEqualStrings("HEAD~1", eps.range.before_rev);
+    try std.testing.expectEqualStrings("HEAD", eps.range.after_rev.?);
+    try std.testing.expect(std.mem.indexOf(u8, eps.label, "HEAD~1 against HEAD") != null);
+}
+
+test "short: long SHA truncates to 7 chars" {
+    // Works for both SHA-1 (40) and SHA-256 (64). Use a 40-char
+    // input as the common case; the function only cares that input
+    // is >= 7 chars.
+    const sha = "0123456789abcdef0123456789abcdef01234567";
+    try std.testing.expectEqualStrings("0123456", short(sha));
+}
+
+test "short: SHA-256 length also truncates to 7" {
+    // Forward-compat: same behavior regardless of hash algorithm.
+    const sha = "0123456789abcdef0123456789abcdef0123456789abcdef0123456789abcdef";
+    try std.testing.expectEqualStrings("0123456", short(sha));
+}
+
+test "short: short input returned as-is" {
+    try std.testing.expectEqualStrings("abc", short("abc"));
+}
diff --git a/src/commands/divs.zig b/src/commands/divs.zig
index 6a4164d..3c363ae 100644
--- a/src/commands/divs.zig
+++ b/src/commands/divs.zig
@@ -3,7 +3,7 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
 
-pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
+pub fn run(svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
     const result = svc.getDividends(symbol) catch |err| switch (err) {
         zfin.DataError.NoApiKey => {
             try cli.stderrPrint("Error: POLYGON_API_KEY not set. Get a free key at https://polygon.io\n");
@@ -14,7 +14,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const
             return;
         },
     };
-    defer zfin.Dividend.freeSlice(allocator, result.data);
+    defer result.deinit();
 
     if (result.source == .cached) try cli.stderrPrint("(using cached dividend data)\n");
 
diff --git a/src/commands/earnings.zig b/src/commands/earnings.zig
index 81970b1..2fd9f8d 100644
--- a/src/commands/earnings.zig
+++ b/src/commands/earnings.zig
@@ -3,7 +3,7 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
 
-pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
+pub fn run(svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
     const result = svc.getEarnings(symbol) catch |err| switch (err) {
         zfin.DataError.NoApiKey => {
             try cli.stderrPrint("Error: FMP_API_KEY not set. Get a free key at https://site.financialmodelingprep.com\n");
@@ -14,7 +14,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const
             return;
         },
     };
-    defer allocator.free(result.data);
+    defer result.deinit();
 
     // Sort newest-first — the first row is the most recent quarter, which
     // is the dominant query. Matches `git log` / `ls -lt` / `last` defaults
diff --git a/src/commands/etf.zig b/src/commands/etf.zig
index 170031f..241150e 100644
--- a/src/commands/etf.zig
+++ b/src/commands/etf.zig
@@ -3,7 +3,7 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
 
-pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
+pub fn run(svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
     const result = svc.getEtfProfile(symbol) catch |err| switch (err) {
         zfin.DataError.NoApiKey => {
             try cli.stderrPrint("Error: ALPHAVANTAGE_API_KEY not set. Get a free key at https://alphavantage.co\n");
@@ -16,19 +16,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const
     };
 
     const profile = result.data;
-    defer {
-        if (profile.holdings) |h| {
-            for (h) |holding| {
-                if (holding.symbol) |s| allocator.free(s);
-                allocator.free(holding.name);
-            }
-            allocator.free(h);
-        }
-        if (profile.sectors) |s| {
-            for (s) |sec| allocator.free(sec.name);
-            allocator.free(s);
-        }
-    }
+    defer result.deinit();
 
     if (result.source == .cached) try cli.stderrPrint("(using cached ETF profile)\n");
 
diff --git a/src/commands/history.zig b/src/commands/history.zig
index c2b8b45..eeea87d 100644
--- a/src/commands/history.zig
+++ b/src/commands/history.zig
@@ -34,7 +34,7 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const atomic = @import("../atomic.zig");
 const timeline = @import("../analytics/timeline.zig");
-const history_io = @import("../history.zig");
+const history = @import("../history.zig");
 const snapshot_model = @import("../models/snapshot.zig");
 const view = @import("../views/history.zig");
 const fmt = cli.fmt;
@@ -114,7 +114,7 @@ pub fn run(
     out: *std.Io.Writer,
 ) !void {
     if (args.len > 0 and args[0].len > 0 and args[0][0] != '-') {
-        try runSymbol(allocator, svc, args[0], color, out);
+        try runSymbol(svc, args[0], color, out);
         return;
     }
 
@@ -135,7 +135,6 @@ pub fn run(
 // ── Symbol mode (legacy) ─────────────────────────────────────
 
 fn runSymbol(
-    allocator: std.mem.Allocator,
     svc: *zfin.DataService,
     symbol: []const u8,
     color: bool,
@@ -151,7 +150,7 @@ fn runSymbol(
             return;
         },
     };
-    defer allocator.free(result.data);
+    defer result.deinit();
 
     if (result.source == .cached) try cli.stderrPrint("(using cached data)\n");
 
@@ -201,7 +200,7 @@ fn runPortfolio(
     color: bool,
     out: *std.Io.Writer,
 ) !void {
-    var tl = try history_io.loadTimeline(allocator, portfolio_path);
+    var tl = try history.loadTimeline(allocator, portfolio_path);
     defer tl.deinit();
 
     if (opts.rebuild_rollup) {
diff --git a/src/commands/options.zig b/src/commands/options.zig
index f4ab3f0..8b889ab 100644
--- a/src/commands/options.zig
+++ b/src/commands/options.zig
@@ -3,7 +3,7 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
 
-pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const u8, ntm: usize, color: bool, out: *std.Io.Writer) !void {
+pub fn run(svc: *zfin.DataService, symbol: []const u8, ntm: usize, color: bool, out: *std.Io.Writer) !void {
     const result = svc.getOptions(symbol) catch |err| switch (err) {
         zfin.DataError.FetchFailed => {
             try cli.stderrPrint("Error fetching options data from CBOE.\n");
@@ -15,14 +15,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const
         },
     };
     const ch = result.data;
-    defer {
-        for (ch) |chain| {
-            allocator.free(chain.underlying_symbol);
-            allocator.free(chain.calls);
-            allocator.free(chain.puts);
-        }
-        allocator.free(ch);
-    }
+    defer result.deinit();
 
     if (result.source == .cached) try cli.stderrPrint("(using cached options data)\n");
 
diff --git a/src/commands/projections.zig b/src/commands/projections.zig
index 66b8671..7645479 100644
--- a/src/commands/projections.zig
+++ b/src/commands/projections.zig
@@ -4,75 +4,160 @@
 ///   - Benchmark comparison table (SPY/AGG vs portfolio weighted returns)
 ///   - Conservative weighted return estimate
 ///   - Safe withdrawal amounts at multiple horizons and confidence levels
+///
+/// When `as_of` is non-null, the same output is produced against a
+/// historical snapshot instead of the live portfolio. See
+/// `src/views/projections.zig:loadProjectionContextAsOf`.
 const std = @import("std");
 const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
+const Date = zfin.Date;
 const performance = @import("../analytics/performance.zig");
 const projections = @import("../analytics/projections.zig");
 const benchmark = @import("../analytics/benchmark.zig");
 const valuation = @import("../analytics/valuation.zig");
 const view = @import("../views/projections.zig");
+const history = @import("../history.zig");
 
 /// Hardcoded benchmark symbols (configurable in a future version).
 const stock_benchmark = "SPY";
 const bond_benchmark = "AGG";
 
-pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, file_path: []const u8, events_enabled: bool, color: bool, out: *std.Io.Writer) !void {
-    var loaded = cli.loadPortfolio(allocator, file_path) orelse return;
-    defer loaded.deinit(allocator);
+/// How an as-of date resolved against the history directory. The CLI
+/// uses this to render a single header that tells the user what
+/// actually got loaded (exact hit, nearest-earlier, or straight-up
+/// "no snapshot available").
+const AsOfResolution = struct {
+    /// The requested date, as parsed by the caller.
+    requested: Date,
+    /// The date that was actually loaded. Differs from `requested`
+    /// when we auto-snapped to the nearest-earlier snapshot.
+    actual: Date,
+};
 
-    const portfolio = loaded.portfolio;
-    const positions = loaded.positions;
-    const syms = loaded.syms;
-
-    // Build prices from cache
-    var prices = std.StringHashMap(f64).init(allocator);
-    defer prices.deinit();
-    for (positions) |pos| {
-        if (pos.shares <= 0) continue;
-        if (svc.getCachedCandles(pos.symbol)) |cs| {
-            defer allocator.free(cs);
-            if (cs.len > 0) {
-                try prices.put(pos.symbol, cs[cs.len - 1].close);
-            }
-        }
-    }
-
-    // Build portfolio summary
-    var pf_data = cli.buildPortfolioData(allocator, portfolio, positions, syms, &prices, svc) catch |err| switch (err) {
-        error.NoAllocations, error.SummaryFailed => {
-            try cli.stderrPrint("Error computing portfolio summary.\n");
-            return;
-        },
-        else => return err,
-    };
-    defer pf_data.deinit(allocator);
-
-    // Build projection context (loads config, metadata, computes everything)
-    const dir_end = if (std.mem.lastIndexOfScalar(u8, file_path, std.fs.path.sep)) |idx| idx + 1 else 0;
+pub fn run(
+    allocator: std.mem.Allocator,
+    svc: *zfin.DataService,
+    file_path: []const u8,
+    events_enabled: bool,
+    as_of: ?Date,
+    color: bool,
+    out: *std.Io.Writer,
+) !void {
+    // Single arena for all view/render allocations. Same lifetime
+    // regardless of live vs. as-of path.
     var arena_state = std.heap.ArenaAllocator.init(allocator);
     defer arena_state.deinit();
     const va = arena_state.allocator();
 
-    const ctx = try view.loadProjectionContext(
-        va,
-        file_path[0..dir_end],
-        pf_data.summary.allocations,
-        pf_data.summary.total_value,
-        portfolio.totalCash(),
-        portfolio.totalCdFaceValue(),
-        svc,
-        events_enabled,
-    );
+    // portfolio_dir is the directory component of file_path, ending
+    // in a separator (for the downstream `{s}projections.srf` join).
+    const dir_end = if (std.mem.lastIndexOfScalar(u8, file_path, std.fs.path.sep)) |idx| idx + 1 else 0;
+    const portfolio_dir = file_path[0..dir_end];
+
+    // Build the context via either the live or as-of pipeline. Both
+    // produce a `ProjectionContext`; from that point on rendering is
+    // identical.
+    var ctx: view.ProjectionContext = undefined;
+    var resolution: ?AsOfResolution = null;
+    // Snapshot must outlive the context when on the as-of path because
+    // `ctx.allocations` borrow their symbol strings from the snapshot's
+    // backing buffer. Keep this declared at the outer scope so the
+    // defer runs at the end of `run`.
+    var snap_bundle: ?history.LoadedSnapshot = null;
+    defer if (snap_bundle) |*s| s.deinit(allocator);
+
+    if (as_of) |requested_date| {
+        resolution = resolveAsOfSnapshot(va, file_path, requested_date) catch |err| switch (err) {
+            error.NoSnapshot => return,
+            else => return err,
+        };
+        const hist_dir = try history.deriveHistoryDir(va, file_path);
+        snap_bundle = try history.loadSnapshotAt(allocator, hist_dir, resolution.?.actual);
+
+        ctx = try view.loadProjectionContextAsOf(
+            va,
+            portfolio_dir,
+            &snap_bundle.?.snap,
+            resolution.?.actual,
+            svc,
+            events_enabled,
+        );
+    } else {
+        var loaded = cli.loadPortfolio(allocator, file_path) orelse return;
+        defer loaded.deinit(allocator);
+        const portfolio = loaded.portfolio;
+        const positions = loaded.positions;
+        const syms = loaded.syms;
+
+        // Prices from cache — matches pre-as-of behavior exactly.
+        var prices = std.StringHashMap(f64).init(allocator);
+        defer prices.deinit();
+        for (positions) |pos| {
+            if (pos.shares <= 0) continue;
+            if (svc.getCachedCandles(pos.symbol)) |cs| {
+                defer cs.deinit();
+                if (cs.data.len > 0) {
+                    try prices.put(pos.symbol, cs.data[cs.data.len - 1].close);
+                }
+            }
+        }
+
+        var pf_data = cli.buildPortfolioData(allocator, portfolio, positions, syms, &prices, svc) catch |err| switch (err) {
+            error.NoAllocations, error.SummaryFailed => {
+                try cli.stderrPrint("Error computing portfolio summary.\n");
+                return;
+            },
+            else => return err,
+        };
+        defer pf_data.deinit(allocator);
+
+        ctx = try view.loadProjectionContext(
+            va,
+            portfolio_dir,
+            pf_data.summary.allocations,
+            pf_data.summary.total_value,
+            portfolio.totalCash(),
+            portfolio.totalCdFaceValue(),
+            svc,
+            events_enabled,
+        );
+    }
+
     const horizons = ctx.config.getHorizons();
     const confidence_levels = ctx.config.getConfidenceLevels();
     const comparison = ctx.comparison;
+
     try out.print("\n", .{});
     try cli.setBold(out, color);
-    try out.print("Projections ({s})\n", .{file_path});
+    if (resolution) |r| {
+        var buf: [10]u8 = undefined;
+        try out.print("Projections (as of {s})\n", .{r.actual.format(&buf)});
+    } else {
+        try out.print("Projections ({s})\n", .{file_path});
+    }
     try cli.reset(out, color);
-    try out.print("========================================\n\n", .{});
+    try out.print("========================================\n", .{});
+
+    // If auto-snapped, print a muted note so the user knows the
+    // requested date wasn't an exact hit.
+    if (resolution) |r| {
+        if (r.actual.days != r.requested.days) {
+            const diff = r.requested.days - r.actual.days;
+            var req_buf: [10]u8 = undefined;
+            var act_buf: [10]u8 = undefined;
+            try cli.setFg(out, color, cli.CLR_MUTED);
+            try out.print("(requested {s}; nearest snapshot: {s}, {d} day{s} earlier)\n", .{
+                r.requested.format(&req_buf),
+                r.actual.format(&act_buf),
+                diff,
+                fmt.dayPlural(diff),
+            });
+            try cli.reset(out, color);
+        }
+    }
+    try out.print("\n", .{});
 
     // Header row
     try cli.setFg(out, color, cli.CLR_MUTED);
@@ -215,11 +300,14 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, file_path: []co
         try cli.reset(out, color);
     }
 
-    // Life events summary
+    // Life events summary — as-of mode uses ages-as-of-as_of; live
+    // mode uses current ages. `currentAgesAsOf(today)` returns the
+    // current ages, so this unifies both paths.
     {
         const events = ctx.config.getEvents();
         if (events.len > 0) {
-            const ages = ctx.config.currentAges();
+            const ages_ref_date = if (resolution) |r| r.actual else fmt.todayDate();
+            const ages = ctx.config.currentAgesAsOf(ages_ref_date);
             try out.print("\n", .{});
             try cli.setBold(out, color);
             try out.print("Life Events\n", .{});
@@ -236,6 +324,56 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, file_path: []co
     try out.print("\n", .{});
 }
 
+/// Resolve the user's requested as-of date against the history directory.
+///
+/// Thin adapter over `history.resolveSnapshotDate` — the shared pure
+/// resolver owns exact-then-fallback logic. This wrapper maps the
+/// error set to `error.NoSnapshot` and surfaces user-visible stderr
+/// messages (including the "Earliest available (later than requested)"
+/// hint, which the TUI doesn't need).
+///
+/// Arena-allocates the intermediate `hist_dir` + filename strings;
+/// pass a short-lived arena as `va`.
+fn resolveAsOfSnapshot(
+    va: std.mem.Allocator,
+    file_path: []const u8,
+    requested: Date,
+) !AsOfResolution {
+    const hist_dir = try history.deriveHistoryDir(va, file_path);
+
+    const resolved = history.resolveSnapshotDate(va, hist_dir, requested) catch |err| switch (err) {
+        error.NoSnapshotAtOrBefore => {
+            var req_buf: [10]u8 = undefined;
+            const req_str = requested.format(&req_buf);
+            const msg = std.fmt.allocPrint(va, "No snapshot at or before {s}.\n", .{req_str}) catch "No snapshot at or before the requested date.\n";
+            try cli.stderrPrint(msg);
+            // Second look at the nearest table for the "later available"
+            // hint. Cheap (filesystem scan, same dir).
+            const nearest = history.findNearestSnapshot(hist_dir, requested) catch {
+                try cli.stderrPrint("No snapshots in history/ — run `zfin snapshot` to create one.\n");
+                return error.NoSnapshot;
+            };
+            if (nearest.later) |later| {
+                var later_buf: [10]u8 = undefined;
+                const later_str = later.format(&later_buf);
+                const later_msg = std.fmt.allocPrint(va, "Earliest available: {s} (later than requested).\n", .{later_str}) catch "A later snapshot exists but was not used.\n";
+                try cli.stderrPrint(later_msg);
+            } else {
+                try cli.stderrPrint("No snapshots in history/ — run `zfin snapshot` to create one.\n");
+            }
+            return error.NoSnapshot;
+        },
+        else => |e| {
+            try cli.stderrPrint("Error resolving snapshot: ");
+            try cli.stderrPrint(@errorName(e));
+            try cli.stderrPrint("\n");
+            return error.NoSnapshot;
+        },
+    };
+
+    return .{ .requested = resolved.requested, .actual = resolved.actual };
+}
+
 /// Write a return row using the view model, applying StyleIntent colors.
 fn writeReturnRow(out: *std.Io.Writer, color: bool, row: view.ReturnRow) !void {
     try out.print("{s: <32}", .{row.label});
@@ -257,3 +395,243 @@ fn writeCell(out: *std.Io.Writer, color: bool, cell: view.ReturnCell, width: usi
     }
     try cli.reset(out, color);
 }
+
+// ── Tests ────────────────────────────────────────────────────
+//
+// The projections simulation and rendering are covered by the
+// view-model tests in `src/views/projections.zig` and the analytics
+// tests in `src/analytics/`. These tests focus on the CLI-surface
+// behaviour that `run` is responsible for: as-of snapshot resolution,
+// exact/nearest/miss branching, and error reporting.
+
+const testing = std.testing;
+const snapshot_model = @import("../models/snapshot.zig");
+const snapshot_cmd = @import("snapshot.zig");
+
+fn makeTestSvc() zfin.DataService {
+    const config = zfin.Config{ .cache_dir = "/tmp" };
+    return zfin.DataService.init(testing.allocator, config);
+}
+
+fn writeFixtureSnapshot(
+    dir: std.fs.Dir,
+    allocator: std.mem.Allocator,
+    filename: []const u8,
+    as_of: Date,
+    liquid: f64,
+) !void {
+    const lots = [_]snapshot_model.LotRow{
+        .{
+            .kind = "lot",
+            .symbol = "VTI",
+            .lot_symbol = "VTI",
+            .account = "Roth",
+            .security_type = "Stock",
+            .shares = 100,
+            .open_price = 200,
+            .cost_basis = 20_000,
+            .value = liquid,
+            .price = liquid / 100,
+            .quote_date = as_of,
+        },
+    };
+    const totals = [_]snapshot_model.TotalRow{
+        .{ .kind = "total", .scope = "net_worth", .value = liquid },
+        .{ .kind = "total", .scope = "liquid", .value = liquid },
+        .{ .kind = "total", .scope = "illiquid", .value = 0 },
+    };
+    const snap: snapshot_model.Snapshot = .{
+        .meta = .{
+            .kind = "meta",
+            .snapshot_version = 1,
+            .as_of_date = as_of,
+            .captured_at = 1_745_222_400,
+            .zfin_version = "test",
+            .stale_count = 0,
+        },
+        .totals = @constCast(&totals),
+        .tax_types = &.{},
+        .accounts = &.{},
+        .lots = @constCast(&lots),
+    };
+    const rendered = try snapshot_cmd.renderSnapshot(allocator, snap);
+    defer allocator.free(rendered);
+    try dir.writeFile(.{ .sub_path = filename, .data = rendered });
+}
+
+/// Build a portfolio path inside `tmp` and return the joined string.
+/// Caller owns the returned buffer.
+fn makeTestPortfolioPath(tmp: *std.testing.TmpDir, allocator: std.mem.Allocator) ![]u8 {
+    const dir_path = try tmp.dir.realpathAlloc(allocator, ".");
+    defer allocator.free(dir_path);
+    return std.fs.path.join(allocator, &.{ dir_path, "portfolio.srf" });
+}
+
+test "resolveAsOfSnapshot: exact match returns actual == requested" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    try tmp.dir.makePath("history");
+    var hist_dir = try tmp.dir.openDir("history", .{});
+    defer hist_dir.close();
+
+    const d = Date.fromYmd(2026, 3, 13);
+    try writeFixtureSnapshot(hist_dir, testing.allocator, "2026-03-13-portfolio.srf", d, 1_000_000);
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const res = try resolveAsOfSnapshot(arena.allocator(), pf, d);
+    try testing.expect(res.actual.eql(d));
+    try testing.expect(res.requested.eql(d));
+}
+
+test "resolveAsOfSnapshot: no exact match snaps to earlier" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    try tmp.dir.makePath("history");
+    var hist_dir = try tmp.dir.openDir("history", .{});
+    defer hist_dir.close();
+
+    const earlier = Date.fromYmd(2026, 3, 12);
+    try writeFixtureSnapshot(hist_dir, testing.allocator, "2026-03-12-portfolio.srf", earlier, 1_000_000);
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const requested = Date.fromYmd(2026, 3, 13);
+    const res = try resolveAsOfSnapshot(arena.allocator(), pf, requested);
+    try testing.expect(res.actual.eql(earlier));
+    try testing.expect(res.requested.eql(requested));
+    try testing.expect(!res.actual.eql(res.requested));
+}
+
+test "resolveAsOfSnapshot: no earlier snapshot returns NoSnapshot" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    try tmp.dir.makePath("history");
+    var hist_dir = try tmp.dir.openDir("history", .{});
+    defer hist_dir.close();
+
+    // Only a later snapshot exists — can't satisfy an earlier request.
+    const later = Date.fromYmd(2026, 4, 1);
+    try writeFixtureSnapshot(hist_dir, testing.allocator, "2026-04-01-portfolio.srf", later, 1_000_000);
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const requested = Date.fromYmd(2026, 3, 13);
+    const result = resolveAsOfSnapshot(arena.allocator(), pf, requested);
+    try testing.expectError(error.NoSnapshot, result);
+}
+
+test "resolveAsOfSnapshot: empty history dir returns NoSnapshot" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    try tmp.dir.makePath("history");
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const requested = Date.fromYmd(2026, 3, 13);
+    const result = resolveAsOfSnapshot(arena.allocator(), pf, requested);
+    try testing.expectError(error.NoSnapshot, result);
+}
+
+test "run: as_of with no snapshots returns without error (stderr-only)" {
+    // No history dir at all. `run` prints a stderr hint via
+    // `resolveAsOfSnapshot` and returns — should NOT propagate the
+    // error to the caller (exit code stays 0 from the CLI dispatch).
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    var svc = makeTestSvc();
+    defer svc.deinit();
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var buf: [4096]u8 = undefined;
+    var stream = std.Io.Writer.fixed(&buf);
+
+    const d = Date.fromYmd(2026, 3, 13);
+    try run(testing.allocator, &svc, pf, false, d, false, &stream);
+
+    // No body output because the resolution failed — the stderr
+    // message is swallowed by `cli.stderrPrint` and doesn't land in
+    // `stream`. This guarantees the error-path returns cleanly.
+    const out = stream.buffered();
+    try testing.expectEqual(@as(usize, 0), out.len);
+}
+
+test "run: as_of with matching snapshot produces body output" {
+    // End-to-end smoke test. With no cached candles, benchmark rows
+    // will be `--` and portfolio returns will be empty, but the
+    // rendering pipeline should still produce a complete header +
+    // tables without panicking.
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    var svc = makeTestSvc();
+    defer svc.deinit();
+
+    try tmp.dir.makePath("history");
+    var hist_dir = try tmp.dir.openDir("history", .{});
+    defer hist_dir.close();
+
+    const d = Date.fromYmd(2026, 3, 13);
+    try writeFixtureSnapshot(hist_dir, testing.allocator, "2026-03-13-portfolio.srf", d, 1_000_000);
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var buf: [32_768]u8 = undefined;
+    var stream = std.Io.Writer.fixed(&buf);
+    try run(testing.allocator, &svc, pf, false, d, false, &stream);
+
+    const out = stream.buffered();
+    // Header should call out the as-of date explicitly.
+    try testing.expect(std.mem.indexOf(u8, out, "as of 2026-03-13") != null);
+    // Benchmark + withdrawal tables still render even with missing candles.
+    try testing.expect(std.mem.indexOf(u8, out, "Safe Withdrawal") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "Terminal Portfolio Value") != null);
+}
+
+test "run: as_of auto-snap surfaces muted 'nearest' note" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    var svc = makeTestSvc();
+    defer svc.deinit();
+
+    try tmp.dir.makePath("history");
+    var hist_dir = try tmp.dir.openDir("history", .{});
+    defer hist_dir.close();
+
+    const actual = Date.fromYmd(2026, 3, 12);
+    try writeFixtureSnapshot(hist_dir, testing.allocator, "2026-03-12-portfolio.srf", actual, 1_000_000);
+
+    const pf = try makeTestPortfolioPath(&tmp, testing.allocator);
+    defer testing.allocator.free(pf);
+
+    var buf: [32_768]u8 = undefined;
+    var stream = std.Io.Writer.fixed(&buf);
+
+    const requested = Date.fromYmd(2026, 3, 13);
+    try run(testing.allocator, &svc, pf, false, requested, false, &stream);
+
+    const out = stream.buffered();
+    try testing.expect(std.mem.indexOf(u8, out, "as of 2026-03-12") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "(requested 2026-03-13") != null);
+    try testing.expect(std.mem.indexOf(u8, out, "nearest snapshot: 2026-03-12") != null);
+    // 1 day earlier → singular "day", not "days"
+    try testing.expect(std.mem.indexOf(u8, out, "1 day earlier") != null);
+}
diff --git a/src/commands/quote.zig b/src/commands/quote.zig
index 36540df..2f13268 100644
--- a/src/commands/quote.zig
+++ b/src/commands/quote.zig
@@ -26,7 +26,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const
             return;
         },
     };
-    defer allocator.free(candle_result.data);
+    defer candle_result.deinit();
     const candles = candle_result.data;
 
     // Fetch real-time quote via DataService
diff --git a/src/commands/snapshot.zig b/src/commands/snapshot.zig
index 1a3a298..0c5b2de 100644
--- a/src/commands/snapshot.zig
+++ b/src/commands/snapshot.zig
@@ -210,7 +210,7 @@ pub fn run(
     //
     // Not applied in auto mode: auto mode's as_of already comes from
     // cache mode and is guaranteed to be a trading day.
-    if (as_of_override != null and !hasAnyTradingDayCandle(allocator, svc, syms, as_of)) {
+    if (as_of_override != null and !hasAnyTradingDayCandle(svc, syms, as_of)) {
         var date_buf: [10]u8 = undefined;
         var msg_buf: [256]u8 = undefined;
         const msg = std.fmt.bufPrint(
@@ -229,8 +229,8 @@ pub fn run(
 
     for (syms) |sym| {
         if (svc.getCachedCandles(sym)) |cs| {
-            defer allocator.free(cs);
-            if (zfin.valuation.candleCloseOnOrBefore(cs, as_of)) |cad| {
+            defer cs.deinit();
+            if (zfin.valuation.candleCloseOnOrBefore(cs.data, as_of)) |cad| {
                 try symbol_prices.put(sym, cad);
             }
         }
@@ -486,7 +486,6 @@ pub fn probeFreshAsOfDate(
 /// symbols. The absence of US equity candles across the board is what
 /// signals a non-trading day for our purposes.
 pub fn hasAnyTradingDayCandle(
-    allocator: std.mem.Allocator,
     svc: *zfin.DataService,
     symbols: []const []const u8,
     date: Date,
@@ -494,15 +493,15 @@ pub fn hasAnyTradingDayCandle(
     for (symbols) |sym| {
         if (portfolio_mod.isMoneyMarketSymbol(sym)) continue;
         const cs = svc.getCachedCandles(sym) orelse continue;
-        defer allocator.free(cs);
+        defer cs.deinit();
         // Linear scan from the end — recent dates are where `date` is
         // most likely to land for a backfill.
-        var i: usize = cs.len;
+        var i: usize = cs.data.len;
         while (i > 0) {
             i -= 1;
-            if (cs[i].date.eql(date)) return true;
+            if (cs.data[i].date.eql(date)) return true;
             // Candles are sorted ascending; bail early once we're past.
-            if (cs[i].date.lessThan(date)) break;
+            if (cs.data[i].date.lessThan(date)) break;
         }
     }
     return false;
@@ -523,8 +522,8 @@ pub fn collectQuoteDates(
         const is_mm = portfolio_mod.isMoneyMarketSymbol(sym);
         var last_date: ?Date = null;
         if (svc.getCachedCandles(sym)) |cs| {
-            defer allocator.free(cs);
-            if (cs.len > 0) last_date = cs[cs.len - 1].date;
+            defer cs.deinit();
+            if (cs.data.len > 0) last_date = cs.data[cs.data.len - 1].date;
         }
         list[idx] = .{ .symbol = sym, .last_date = last_date, .is_money_market = is_mm };
     }
diff --git a/src/commands/splits.zig b/src/commands/splits.zig
index 0ee5afc..b237d5e 100644
--- a/src/commands/splits.zig
+++ b/src/commands/splits.zig
@@ -3,7 +3,7 @@ const zfin = @import("../root.zig");
 const cli = @import("common.zig");
 const fmt = cli.fmt;
 
-pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
+pub fn run(svc: *zfin.DataService, symbol: []const u8, color: bool, out: *std.Io.Writer) !void {
     const result = svc.getSplits(symbol) catch |err| switch (err) {
         zfin.DataError.NoApiKey => {
             try cli.stderrPrint("Error: POLYGON_API_KEY not set. Get a free key at https://polygon.io\n");
@@ -14,7 +14,7 @@ pub fn run(allocator: std.mem.Allocator, svc: *zfin.DataService, symbol: []const
             return;
         },
     };
-    defer allocator.free(result.data);
+    defer result.deinit();
 
     if (result.source == .cached) try cli.stderrPrint("(using cached split data)\n");
 
diff --git a/src/compare.zig b/src/compare.zig
index b257389..47e3c05 100644
--- a/src/compare.zig
+++ b/src/compare.zig
@@ -2,14 +2,25 @@
 //!
 //! The CLI + TUI shared "compose two points in time" module. Loads a
 //! snapshot into a `SnapshotSide` (aggregated per-symbol holdings +
-//! liquid total), and provides the aggregation primitives that turn
+//! liquid total), and provides the aggregation primitive that turns
 //! either a parsed snapshot or the live portfolio into the
-//! `view.HoldingMap` shape the view model consumes.
+//! `view.HoldingMap` shape the compare view consumes.
 //!
 //! Responsibility split:
-//!   - `src/history.zig`          — snapshot IO (read file at a date)
-//!   - `src/compare.zig`          — semantic composition (snapshot →
-//!                                   aggregated side; live aggregation)
+//!   - `src/history.zig`          — snapshot IO + pure-domain
+//!                                   aggregation (`liquidFromSnapshot`,
+//!                                   `aggregateSnapshotAllocations` for
+//!                                   the projection view)
+//!   - `src/compare.zig`          — compare-feature-specific
+//!                                   composition: loads a snapshot into
+//!                                   a compare-shaped `SnapshotSide`
+//!                                   (`aggregateSnapshotStocks`),
+//!                                   plus a live-portfolio aggregation
+//!                                   mirroring the same shape.
+//!                                   Lives here (not in `history.zig`)
+//!                                   because its output type is the
+//!                                   compare view's `HoldingMap` —
+//!                                   moving it would invert layers.
 //!   - `src/views/compare.zig`    — pure view model (build CompareView
 //!                                   from two holdings maps + totals)
 //!   - `src/commands/compare.zig` — CLI dispatch + live-side pipeline
@@ -23,7 +34,7 @@
 
 const std = @import("std");
 const zfin = @import("root.zig");
-const history_io = @import("history.zig");
+const history = @import("history.zig");
 const snapshot_model = @import("models/snapshot.zig");
 const fmt = @import("format.zig");
 const view = @import("views/compare.zig");
@@ -41,7 +52,7 @@ pub const Date = zfin.Date;
 pub const SnapshotSide = struct {
     map: view.HoldingMap,
     liquid: f64,
-    loaded: history_io.LoadedSnapshot,
+    loaded: history.LoadedSnapshot,
 
     pub fn deinit(self: *SnapshotSide, allocator: std.mem.Allocator) void {
         self.map.deinit();
@@ -60,7 +71,7 @@ pub fn loadSnapshotSide(
     hist_dir: []const u8,
     date: Date,
 ) !SnapshotSide {
-    var loaded = try history_io.loadSnapshotAt(allocator, hist_dir, date);
+    var loaded = try history.loadSnapshotAt(allocator, hist_dir, date);
     errdefer loaded.deinit(allocator);
 
     var map: view.HoldingMap = .init(allocator);
@@ -69,18 +80,23 @@ pub fn loadSnapshotSide(
 
     return .{
         .map = map,
-        .liquid = liquidFromSnapshot(&loaded.snap),
+        .liquid = history.liquidFromSnapshot(&loaded.snap),
         .loaded = loaded,
     };
 }
 
-// ── Aggregation helpers ──────────────────────────────────────
+// ── Stock aggregation (compare-view shape) ───────────────────
 
 /// Walk a snapshot's lot rows, filter to `security_type == "Stock"`,
 /// and group by symbol into `out_map`. Shares are summed; price is
 /// taken from the first lot seen (all stock lots of a symbol share
 /// the same `price` field in a given snapshot).
 ///
+/// Lives here rather than in `history.zig` because it emits a
+/// `view.HoldingMap` — a compare-view-shaped type. The projection-
+/// shaped `aggregateSnapshotAllocations` (which emits the lower-level
+/// `valuation.Allocation`) lives in `history.zig`.
+///
 /// `out_map` keys borrow from the snapshot's backing byte buffer.
 /// Caller must keep the snapshot alive as long as the map is used.
 pub fn aggregateSnapshotStocks(
@@ -99,6 +115,8 @@ pub fn aggregateSnapshotStocks(
     }
 }
 
+// ── Live-portfolio aggregation ───────────────────────────────
+
 /// Walk the live portfolio's stock lots, group by `priceSymbol()`,
 /// and look up the current price from `prices`. Mirrors the snapshot
 /// aggregation so the two sides are apples-to-apples.
@@ -126,16 +144,6 @@ pub fn aggregateLiveStocks(
     }
 }
 
-/// Find the `scope=="liquid"` total in a snapshot. Returns 0.0 if not
-/// present (old snapshots from before the liquid/illiquid split —
-/// shouldn't happen in practice).
-pub fn liquidFromSnapshot(snap: *const snapshot_model.Snapshot) f64 {
-    for (snap.totals) |t| {
-        if (std.mem.eql(u8, t.scope, "liquid")) return t.value;
-    }
-    return 0.0;
-}
-
 // ── Tests ────────────────────────────────────────────────────
 
 const testing = std.testing;
@@ -218,48 +226,6 @@ test "aggregateSnapshotStocks: sums shares, filters non-stock, takes first price
     try testing.expectEqual(@as(f64, 25), (map.get("MSFT") orelse unreachable).shares);
 }
 
-test "liquidFromSnapshot: finds liquid scope" {
-    const totals = [_]snapshot_model.TotalRow{
-        .{ .scope = "net_worth", .value = 1100 },
-        .{ .scope = "liquid", .value = 1000 },
-        .{ .scope = "illiquid", .value = 100 },
-    };
-    const snap = snapshot_model.Snapshot{
-        .meta = .{
-            .snapshot_version = 1,
-            .as_of_date = Date.fromYmd(2024, 3, 15),
-            .captured_at = 0,
-            .zfin_version = "test",
-            .stale_count = 0,
-        },
-        .totals = @constCast(&totals),
-        .tax_types = &.{},
-        .accounts = &.{},
-        .lots = &.{},
-    };
-    try testing.expectEqual(@as(f64, 1000), liquidFromSnapshot(&snap));
-}
-
-test "liquidFromSnapshot: returns 0 when no liquid scope" {
-    const totals = [_]snapshot_model.TotalRow{
-        .{ .scope = "net_worth", .value = 1100 },
-    };
-    const snap = snapshot_model.Snapshot{
-        .meta = .{
-            .snapshot_version = 1,
-            .as_of_date = Date.fromYmd(2024, 3, 15),
-            .captured_at = 0,
-            .zfin_version = "test",
-            .stale_count = 0,
-        },
-        .totals = @constCast(&totals),
-        .tax_types = &.{},
-        .accounts = &.{},
-        .lots = &.{},
-    };
-    try testing.expectEqual(@as(f64, 0.0), liquidFromSnapshot(&snap));
-}
-
 test "loadSnapshotSide: happy path builds a SnapshotSide with aggregated holdings" {
     var tmp = std.testing.tmpDir(.{});
     defer tmp.cleanup();
diff --git a/src/format.zig b/src/format.zig
index e38f7d3..3f4486b 100644
--- a/src/format.zig
+++ b/src/format.zig
@@ -277,6 +277,13 @@ pub fn todayDate() Date {
     return .{ .days = days };
 }
 
+/// English pluralization for "(N day[s])" display suffixes. Returns
+/// `""` for `n == 1`, `"s"` otherwise. Used across the CLI and TUI
+/// anywhere a day-count is printed inline.
+pub fn dayPlural(n: i32) []const u8 {
+    return if (n == 1) "" else "s";
+}
+
 /// Return "LT" if held > 1 year from open_date to today, "ST" otherwise.
 pub fn capitalGainsIndicator(open_date: Date) []const u8 {
     const today = todayDate();
diff --git a/src/git.zig b/src/git.zig
index 64332fd..8760b57 100644
--- a/src/git.zig
+++ b/src/git.zig
@@ -15,6 +15,7 @@
 //! than inlining `std.process.Child.run` in the command module.
 
 const std = @import("std");
+const Date = @import("models/date.zig").Date;
 
 // ── Types ────────────────────────────────────────────────────
 
@@ -36,6 +37,9 @@ pub const Error = error{
     PathMissingInRev,
     /// `git log` returned non-zero.
     GitLogFailed,
+    /// `resolveCommitRange` was asked for a `since` date with no commit
+    /// at or before it — nothing to diff against.
+    NoCommitAtOrBefore,
     OutOfMemory,
 };
 
@@ -59,11 +63,23 @@ pub const PathStatus = enum {
 
 /// Wall-clock time a commit touched a given path.
 pub const CommitTouch = struct {
-    commit: []const u8, // 40-char SHA
+    commit: []const u8, // commit hash (40 chars for SHA-1, 64 for SHA-256)
     /// Committer timestamp (Unix epoch seconds).
     timestamp: i64,
 };
 
+/// A before/after pair of git revisions to diff.
+///
+/// `before_rev` is always a concrete revision (SHA or symbolic like
+/// `HEAD~1`). `after_rev` is null when the caller wants the working
+/// copy on the right-hand side; the caller reads the file directly
+/// rather than going through `git show`.
+pub const CommitRange = struct {
+    before_rev: []const u8,
+    /// null = working copy; non-null = a concrete git revision.
+    after_rev: ?[]const u8,
+};
+
 // ── Implementation ───────────────────────────────────────────
 
 /// Locate the git repository containing `path` and the path's position
@@ -299,6 +315,122 @@ pub fn lastCommitTimestampForPath(
     return std.fmt.parseInt(i64, trimmed, 10) catch return null;
 }
 
+/// Return the SHA of the most recent commit that touched `rel_path` at
+/// or before `date_iso` (YYYY-MM-DD, inclusive end-of-day semantics via
+/// `git log --until`).
+///
+/// Returns null if no commit before `date_iso` touched `rel_path`.
+/// Caller owns the returned string.
+///
+/// Used by `zfin contributions --since <DATE>` / `--until <DATE>` to
+/// resolve a date to the last commit that stamped a given snapshot of
+/// the portfolio file.
+pub fn commitAtOrBeforeDate(
+    allocator: std.mem.Allocator,
+    root: []const u8,
+    rel_path: []const u8,
+    date_iso: []const u8,
+) Error!?[]const u8 {
+    // `git log --until=DATE` uses the end of the given date as the
+    // inclusive upper bound. Adding a "T23:59:59" suffix isn't
+    // necessary — git already interprets bare dates as "end of day".
+    const until_arg = try std.fmt.allocPrint(allocator, "--until={s}", .{date_iso});
+    defer allocator.free(until_arg);
+
+    const result = std.process.Child.run(.{
+        .allocator = allocator,
+        .argv = &.{
+            "git",     "-C", root,
+            "log",     "-1", "--format=%H",
+            until_arg, "--", rel_path,
+        },
+        .max_output_bytes = 64 * 1024,
+    }) catch return error.GitUnavailable;
+    defer allocator.free(result.stdout);
+    defer allocator.free(result.stderr);
+
+    switch (result.term) {
+        .Exited => |code| if (code != 0) return error.GitLogFailed,
+        else => return error.GitLogFailed,
+    }
+
+    const trimmed = std.mem.trim(u8, result.stdout, " \t\r\n");
+    if (trimmed.len == 0) return null;
+    // Defensive: `git log --format=%H` emits the full commit hash and
+    // nothing else. Guard against stdout noise (e.g. a warning
+    // accidentally routed to stdout) by requiring the result to look
+    // like a hash — all hex, sensible length. SHA-1 is 40 chars,
+    // SHA-256 is 64; accept anything in that range or longer to stay
+    // forward-compatible with future git hash formats.
+    if (trimmed.len < 40) return error.GitLogFailed;
+    for (trimmed) |c| if (!std.ascii.isHex(c)) return error.GitLogFailed;
+    return try allocator.dupe(u8, trimmed);
+}
+
+/// Resolve a before/after commit range for diffing `repo.rel_path`.
+///
+/// Three modes selected by `since` / `until`:
+///
+///   - `since == null` (legacy): no date window.
+///     - `dirty == false`: before=`HEAD~1`, after=`HEAD` (review last commit).
+///     - `dirty == true`:  before=`HEAD`, after=working-copy.
+///   - `since != null, until == null`: single cutoff.
+///     - before = commit-at-or-before(since).
+///     - `dirty == false`: after=`HEAD`.
+///     - `dirty == true`:  after=working-copy.
+///   - `since != null, until != null`: date window between two commits.
+///     - before = commit-at-or-before(since).
+///     - after  = commit-at-or-before(until).
+///
+/// `until` without `since` is rejected via assertion — the window is
+/// ambiguous without a starting point. The caller is responsible for
+/// enforcing that at the argument-parsing layer.
+///
+/// Returns `error.NoCommitAtOrBefore` when `since` or `until` resolves
+/// to "no commit exists at or before this date". Callers decide how
+/// to surface that to the user.
+///
+/// Pure SHA-level output — no labels, no stderr side effects. All
+/// allocations use `arena`.
+pub fn resolveCommitRange(
+    arena: std.mem.Allocator,
+    repo: RepoInfo,
+    since: ?Date,
+    until: ?Date,
+    dirty: bool,
+) Error!CommitRange {
+    std.debug.assert(!(since == null and until != null));
+
+    // Legacy path: no date window. HEAD~1..HEAD (clean) or
+    // HEAD..working-copy (dirty). Returns the symbolic revisions
+    // verbatim — callers feed them directly to `git show`.
+    if (since == null) {
+        return if (dirty)
+            .{ .before_rev = "HEAD", .after_rev = null }
+        else
+            .{ .before_rev = "HEAD~1", .after_rev = "HEAD" };
+    }
+
+    var since_buf: [10]u8 = undefined;
+    const since_str = since.?.format(&since_buf);
+    const since_sha = (try commitAtOrBeforeDate(arena, repo.root, repo.rel_path, since_str)) orelse
+        return error.NoCommitAtOrBefore;
+
+    if (until) |until_date| {
+        var until_buf: [10]u8 = undefined;
+        const until_str = until_date.format(&until_buf);
+        const until_sha = (try commitAtOrBeforeDate(arena, repo.root, repo.rel_path, until_str)) orelse
+            return error.NoCommitAtOrBefore;
+        return .{ .before_rev = since_sha, .after_rev = until_sha };
+    }
+
+    // --since only: after side is HEAD (or working copy if dirty).
+    return if (dirty)
+        .{ .before_rev = since_sha, .after_rev = null }
+    else
+        .{ .before_rev = since_sha, .after_rev = "HEAD" };
+}
+
 // ── Tests ────────────────────────────────────────────────────
 //
 // These tests shell out to `git init` and friends in a tmp dir. They
@@ -330,3 +462,93 @@ test "listCommitsTouching returns at least one commit for build.zig" {
     // Timestamps are plausible (after 2020).
     try std.testing.expect(commits[0].timestamp > 1_577_836_800);
 }
+
+test "commitAtOrBeforeDate returns a SHA for a past date" {
+    const allocator = std.testing.allocator;
+    const info = findRepo(allocator, "build.zig") catch return;
+    defer allocator.free(info.root);
+    defer allocator.free(info.rel_path);
+
+    // Any date well after the repo's creation — commitAtOrBeforeDate
+    // should find the most recent commit touching build.zig.
+    const sha_opt = commitAtOrBeforeDate(allocator, info.root, info.rel_path, "2099-01-01") catch return;
+    try std.testing.expect(sha_opt != null);
+    const sha = sha_opt.?;
+    defer allocator.free(sha);
+    // Accept either SHA-1 (40) or SHA-256 (64) format. Git is
+    // gradually rolling out SHA-256; this test mustn't assume one.
+    try std.testing.expect(sha.len == 40 or sha.len == 64);
+    for (sha) |c| try std.testing.expect(std.ascii.isHex(c));
+}
+
+test "commitAtOrBeforeDate returns null for date before repo existed" {
+    const allocator = std.testing.allocator;
+    const info = findRepo(allocator, "build.zig") catch return;
+    defer allocator.free(info.root);
+    defer allocator.free(info.rel_path);
+
+    // Pre-git — before any sensible project history.
+    const sha_opt = commitAtOrBeforeDate(allocator, info.root, info.rel_path, "1970-01-02") catch return;
+    try std.testing.expect(sha_opt == null);
+}
+
+test "resolveCommitRange: legacy clean → HEAD~1..HEAD" {
+    var arena_state = std.heap.ArenaAllocator.init(std.testing.allocator);
+    defer arena_state.deinit();
+    const repo: RepoInfo = .{ .root = "/tmp", .rel_path = "portfolio.srf" };
+
+    const range = try resolveCommitRange(arena_state.allocator(), repo, null, null, false);
+    try std.testing.expectEqualStrings("HEAD~1", range.before_rev);
+    try std.testing.expectEqualStrings("HEAD", range.after_rev.?);
+}
+
+test "resolveCommitRange: legacy dirty → HEAD..working-copy" {
+    var arena_state = std.heap.ArenaAllocator.init(std.testing.allocator);
+    defer arena_state.deinit();
+    const repo: RepoInfo = .{ .root = "/tmp", .rel_path = "portfolio.srf" };
+
+    const range = try resolveCommitRange(arena_state.allocator(), repo, null, null, true);
+    try std.testing.expectEqualStrings("HEAD", range.before_rev);
+    try std.testing.expect(range.after_rev == null);
+}
+
+test "resolveCommitRange: --since resolves to SHA..HEAD for clean tree" {
+    const allocator = std.testing.allocator;
+    const info = findRepo(allocator, "build.zig") catch return;
+    defer allocator.free(info.root);
+    defer allocator.free(info.rel_path);
+
+    var arena_state = std.heap.ArenaAllocator.init(allocator);
+    defer arena_state.deinit();
+
+    // Any date well after project start — resolves to latest commit.
+    const range = resolveCommitRange(
+        arena_state.allocator(),
+        info,
+        Date.fromYmd(2099, 1, 1),
+        null,
+        false,
+    ) catch return;
+    try std.testing.expect(range.before_rev.len >= 40);
+    try std.testing.expectEqualStrings("HEAD", range.after_rev.?);
+}
+
+test "resolveCommitRange: --since with no earlier commit → NoCommitAtOrBefore" {
+    const allocator = std.testing.allocator;
+    const info = findRepo(allocator, "build.zig") catch return;
+    defer allocator.free(info.root);
+    defer allocator.free(info.rel_path);
+
+    var arena_state = std.heap.ArenaAllocator.init(allocator);
+    defer arena_state.deinit();
+
+    // Before any commit exists in this repo.
+    const result = resolveCommitRange(
+        arena_state.allocator(),
+        info,
+        Date.fromYmd(1970, 1, 2),
+        null,
+        false,
+    );
+    try std.testing.expectError(error.NoCommitAtOrBefore, result);
+}
diff --git a/src/history.zig b/src/history.zig
index 66e8d14..7c9bef8 100644
--- a/src/history.zig
+++ b/src/history.zig
@@ -1,7 +1,9 @@
 //! History IO — read `history/<date>-portfolio.srf` files produced by
-//! `zfin snapshot` back into typed `Snapshot` structs.
+//! `zfin snapshot` back into typed `Snapshot` structs. Also the
+//! pure-domain aggregation helpers that turn a parsed snapshot into
+//! the shapes downstream views consume.
 //!
-//! Two layers, both pure of rendering concerns:
+//! Three layers, all pure of rendering concerns:
 //!
 //! - `parseSnapshotBytes(bytes)` — parse an SRF blob into a `Snapshot`.
 //!   The snapshot's string fields slice directly into `bytes`, so the
@@ -9,6 +11,11 @@
 //! - `loadHistoryDir(dir)` — enumerate `*-portfolio.srf` in a directory
 //!   and parse each. The returned `LoadedHistory` owns both the
 //!   snapshots and their backing byte buffers as matched pairs.
+//! - `liquidFromSnapshot(snap)`, `aggregateSnapshotAllocations(...)` —
+//!   pure-domain transforms on a parsed snapshot, used by the
+//!   projection view. The compare-view-specific aggregator
+//!   (`aggregateSnapshotStocks`, producing a view-layer `HoldingMap`)
+//!   lives in `src/compare.zig` to avoid inverting the layer direction.
 //!
 //! The snapshot reader is discriminator-driven: every record must carry
 //! a `kind::<meta|total|tax_type|account|lot>` field. Records whose
@@ -26,7 +33,9 @@ const std = @import("std");
 const srf = @import("srf");
 const snapshot = @import("models/snapshot.zig");
 const Date = @import("models/date.zig").Date;
+const Candle = @import("models/candle.zig").Candle;
 const timeline = @import("analytics/timeline.zig");
+const valuation = @import("analytics/valuation.zig");
 
 pub const Error = error{
     /// The file didn't open a `#!srfv1` directive or couldn't be
@@ -363,6 +372,208 @@ pub fn findNearestSnapshot(
     return .{ .earlier = earlier, .later = later };
 }
 
+/// Result of resolving a requested snapshot date against the history
+/// directory. `exact` is true when the requested date had its own
+/// snapshot file; false when we auto-snapped to the nearest earlier.
+pub const ResolvedSnapshot = struct {
+    requested: Date,
+    actual: Date,
+    exact: bool,
+};
+
+pub const ResolveSnapshotError = error{
+    /// No snapshot file exists at or before the requested date.
+    NoSnapshotAtOrBefore,
+} || std.mem.Allocator.Error || std.fs.Dir.AccessError || std.fs.File.OpenError;
+
+/// Resolve a requested snapshot date against `hist_dir`:
+///   - If `hist_dir/<requested>-portfolio.srf` exists, return it as
+///     an exact match.
+///   - Otherwise, look up the nearest earlier snapshot via
+///     `findNearestSnapshot`. Return it as an inexact match.
+///   - If nothing exists at or before `requested`, return
+///     `error.NoSnapshotAtOrBefore` — the caller decides how to
+///     surface that to the user (CLI: stderr; TUI: status bar).
+///
+/// Shared between the CLI (`zfin projections --as-of <DATE>`) and TUI
+/// (projections tab date popup) to avoid duplicating the
+/// exact-then-fallback resolution logic.
+///
+/// Uses `arena` for the two small intermediate strings (filename,
+/// full path). Pass a short-lived arena; the returned struct has no
+/// borrowed references.
+pub fn resolveSnapshotDate(
+    arena: std.mem.Allocator,
+    hist_dir: []const u8,
+    requested: Date,
+) ResolveSnapshotError!ResolvedSnapshot {
+    var date_buf: [10]u8 = undefined;
+    const date_str = requested.format(&date_buf);
+    const filename = try std.fmt.allocPrint(arena, "{s}{s}", .{ date_str, snapshot_suffix });
+    const full_path = try std.fs.path.join(arena, &.{ hist_dir, filename });
+
+    std.fs.cwd().access(full_path, .{}) catch |err| switch (err) {
+        error.FileNotFound => {
+            const nearest = findNearestSnapshot(hist_dir, requested) catch |e| return e;
+            if (nearest.earlier) |earlier| {
+                return .{ .requested = requested, .actual = earlier, .exact = false };
+            }
+            return error.NoSnapshotAtOrBefore;
+        },
+        else => |e| return e,
+    };
+
+    return .{ .requested = requested, .actual = requested, .exact = true };
+}
+
+// ── Pure-domain aggregation ───────────────────────────────────
+
+/// Return the prefix of `candles` whose dates are `<= as_of`.
+///
+/// When `as_of` is null, returns the full slice unchanged (live mode
+/// pass-through). When set, binary-searches for the first index
+/// strictly after `as_of` and slices up to it. Zero-length slice
+/// when `as_of` precedes all cached candles.
+///
+/// Candles are assumed sorted by date ascending. Used to truncate
+/// benchmark and per-symbol price history for historical projections —
+/// `performance.trailingReturns` uses the last candle's date as the
+/// endpoint, so trimming the tail is equivalent to "compute as of
+/// that date".
+pub fn sliceCandlesAsOf(candles: []const Candle, as_of: ?Date) []const Candle {
+    const d = as_of orelse return candles;
+    if (candles.len == 0) return candles;
+    var lo: usize = 0;
+    var hi: usize = candles.len;
+    while (lo < hi) {
+        const mid = lo + (hi - lo) / 2;
+        const cd = candles[mid].date;
+        if (cd.lessThan(d) or cd.eql(d)) {
+            lo = mid + 1;
+        } else {
+            hi = mid;
+        }
+    }
+    return candles[0..lo];
+}
+
+/// Find the `scope=="liquid"` total in a snapshot. Returns 0.0 if not
+/// present (old snapshots from before the liquid/illiquid split —
+/// shouldn't happen in practice).
+pub fn liquidFromSnapshot(snap: *const snapshot.Snapshot) f64 {
+    for (snap.totals) |t| {
+        if (std.mem.eql(u8, t.scope, "liquid")) return t.value;
+    }
+    return 0.0;
+}
+
+/// Per-symbol allocations derived from a snapshot's lot rows, plus
+/// the totals needed to feed `benchmark.deriveAllocationSplit`.
+///
+/// String fields inside `allocations` (`symbol`, `display_symbol`)
+/// borrow from the snapshot's backing buffer. Keep the snapshot (and
+/// its bytes) alive for the lifetime of these allocations.
+pub const SnapshotAllocations = struct {
+    allocations: []valuation.Allocation,
+    total_value: f64,
+    cash_value: f64,
+    cd_value: f64,
+
+    /// Free the `allocations` slice. `alloc` MUST be the same allocator
+    /// passed to `aggregateSnapshotAllocations` — the slice is owned
+    /// by that allocator, not tracked internally.
+    pub fn deinit(self: *SnapshotAllocations, alloc: std.mem.Allocator) void {
+        alloc.free(self.allocations);
+    }
+};
+
+/// Aggregate a snapshot's `LotRow`s into per-symbol `Allocation`s.
+///
+/// Matches the lot aggregation that `valuation.portfolioSummary` does
+/// for live portfolios: sum `value` per `symbol`, compute weight
+/// against the snapshot's `liquid` total. Non-stock lots contribute
+/// to `cash_value` / `cd_value` instead of the allocation list.
+///
+/// Security-type strings come from `LotType.label()` in the snapshot
+/// writer — "Stock", "Cash", "CD", "Option", "Illiquid". Match is
+/// case-sensitive, consistent with `aggregateSnapshotStocks` in
+/// `src/compare.zig`.
+///
+/// The returned `Allocation`s only populate `symbol`, `display_symbol`,
+/// `market_value`, and `weight` — every other field is zero. This is
+/// enough for `deriveAllocationSplit` and the per-position trailing
+/// returns loop; nothing downstream reads cost basis or shares here.
+pub fn aggregateSnapshotAllocations(
+    alloc: std.mem.Allocator,
+    snap: *const snapshot.Snapshot,
+) !SnapshotAllocations {
+    const total_value = liquidFromSnapshot(snap);
+
+    var map = std.StringHashMap(f64).init(alloc);
+    defer map.deinit();
+    var cash_value: f64 = 0;
+    var cd_value: f64 = 0;
+
+    for (snap.lots) |lot| {
+        if (std.mem.eql(u8, lot.security_type, "Cash")) {
+            cash_value += lot.value;
+            continue;
+        }
+        if (std.mem.eql(u8, lot.security_type, "CD")) {
+            cd_value += lot.value;
+            continue;
+        }
+        if (std.mem.eql(u8, lot.security_type, "Illiquid")) {
+            // Illiquid lots aren't in the liquid total and don't feed
+            // benchmark projections. Skip.
+            continue;
+        }
+        // Stock + Option: aggregate by `symbol`. For stocks the
+        // snapshot writer stores `symbol = lot.priceSymbol()` (the
+        // pricing ticker used for cache lookups, e.g. "BRK-B"),
+        // distinct from `lot_symbol` which preserves the user's
+        // original form (e.g. "BRK.B"). For options, `symbol` is the
+        // contract identifier — options won't have candles in the
+        // cache, so they're silently dropped from the per-position
+        // trailing returns loop downstream; they still count toward
+        // total market value and allocation weight.
+        const gop = try map.getOrPut(lot.symbol);
+        if (gop.found_existing) {
+            gop.value_ptr.* += lot.value;
+        } else {
+            gop.value_ptr.* = lot.value;
+        }
+    }
+
+    var allocations = try alloc.alloc(valuation.Allocation, map.count());
+    errdefer alloc.free(allocations);
+
+    var i: usize = 0;
+    var it = map.iterator();
+    while (it.next()) |e| : (i += 1) {
+        const mv = e.value_ptr.*;
+        allocations[i] = .{
+            .symbol = e.key_ptr.*,
+            .display_symbol = e.key_ptr.*,
+            .shares = 0,
+            .avg_cost = 0,
+            .current_price = 0,
+            .market_value = mv,
+            .cost_basis = 0,
+            .weight = if (total_value > 0) mv / total_value else 0,
+            .unrealized_gain_loss = 0,
+            .unrealized_return = 0.0,
+        };
+    }
+
+    return .{
+        .allocations = allocations,
+        .total_value = total_value,
+        .cash_value = cash_value,
+        .cd_value = cd_value,
+    };
+}
+
 // ── Tests ────────────────────────────────────────────────────
 
 const testing = std.testing;
@@ -767,3 +978,384 @@ test "loadSnapshotAt: happy path loads and parses" {
     try testing.expectEqual(@as(i32, Date.fromYmd(2024, 3, 15).days), loaded.snap.meta.as_of_date.days);
     try testing.expectEqual(@as(usize, 3), loaded.snap.totals.len);
 }
+
+// ── Aggregation tests ─────────────────────────────────────────
+
+test "liquidFromSnapshot: finds liquid scope" {
+    const totals = [_]snapshot.TotalRow{
+        .{ .scope = "net_worth", .value = 1100 },
+        .{ .scope = "liquid", .value = 1000 },
+        .{ .scope = "illiquid", .value = 100 },
+    };
+    const snap = snapshot.Snapshot{
+        .meta = .{
+            .snapshot_version = 1,
+            .as_of_date = Date.fromYmd(2024, 3, 15),
+            .captured_at = 0,
+            .zfin_version = "test",
+            .stale_count = 0,
+        },
+        .totals = @constCast(&totals),
+        .tax_types = &.{},
+        .accounts = &.{},
+        .lots = &.{},
+    };
+    try testing.expectEqual(@as(f64, 1000), liquidFromSnapshot(&snap));
+}
+
+test "liquidFromSnapshot: returns 0 when no liquid scope" {
+    const totals = [_]snapshot.TotalRow{
+        .{ .scope = "net_worth", .value = 1100 },
+    };
+    const snap = snapshot.Snapshot{
+        .meta = .{
+            .snapshot_version = 1,
+            .as_of_date = Date.fromYmd(2024, 3, 15),
+            .captured_at = 0,
+            .zfin_version = "test",
+            .stale_count = 0,
+        },
+        .totals = @constCast(&totals),
+        .tax_types = &.{},
+        .accounts = &.{},
+        .lots = &.{},
+    };
+    try testing.expectEqual(@as(f64, 0.0), liquidFromSnapshot(&snap));
+}
+
+test "aggregateSnapshotAllocations: stocks grouped, cash and CD separated" {
+    var lots = [_]snapshot.LotRow{
+        .{
+            .kind = "lot",
+            .symbol = "AAPL",
+            .lot_symbol = "AAPL",
+            .account = "Brokerage",
+            .security_type = "Stock",
+            .shares = 100,
+            .open_price = 120,
+            .cost_basis = 12_000,
+            .value = 15_000,
+        },
+        .{
+            .kind = "lot",
+            .symbol = "AAPL",
+            .lot_symbol = "AAPL",
+            .account = "Roth",
+            .security_type = "Stock",
+            .shares = 50,
+            .open_price = 150,
+            .cost_basis = 7_500,
+            .value = 7_500,
+        },
+        .{
+            .kind = "lot",
+            .symbol = "CASH",
+            .lot_symbol = "CASH",
+            .account = "Brokerage",
+            .security_type = "Cash",
+            .shares = 10_000,
+            .open_price = 1,
+            .cost_basis = 10_000,
+            .value = 10_000,
+        },
+        .{
+            .kind = "lot",
+            .symbol = "CD-1Y",
+            .lot_symbol = "CD-1Y",
+            .account = "Roth",
+            .security_type = "CD",
+            .shares = 50_000,
+            .open_price = 1,
+            .cost_basis = 50_000,
+            .value = 50_000,
+        },
+        // Illiquid lots get skipped entirely — they aren't in the
+        // liquid total and don't affect benchmark projections.
+        .{
+            .kind = "lot",
+            .symbol = "House",
+            .lot_symbol = "House",
+            .account = "Joint",
+            .security_type = "Illiquid",
+            .shares = 1,
+            .open_price = 500_000,
+            .cost_basis = 500_000,
+            .value = 500_000,
+        },
+    };
+    var totals = [_]snapshot.TotalRow{
+        .{ .kind = "total", .scope = "liquid", .value = 82_500 },
+        .{ .kind = "total", .scope = "net_worth", .value = 582_500 },
+    };
+    const snap: snapshot.Snapshot = .{
+        .meta = .{
+            .kind = "meta",
+            .snapshot_version = 1,
+            .as_of_date = Date.fromYmd(2026, 4, 2),
+            .captured_at = 0,
+            .zfin_version = "test",
+            .stale_count = 0,
+        },
+        .totals = &totals,
+        .tax_types = &.{},
+        .accounts = &.{},
+        .lots = &lots,
+    };
+
+    var sa = try aggregateSnapshotAllocations(testing.allocator, &snap);
+    defer sa.deinit(testing.allocator);
+
+    // One aggregated AAPL row (two lots merged), no illiquid row.
+    try testing.expectEqual(@as(usize, 1), sa.allocations.len);
+    try testing.expectEqualStrings("AAPL", sa.allocations[0].symbol);
+    try testing.expectApproxEqAbs(@as(f64, 22_500), sa.allocations[0].market_value, 0.01);
+    // weight = 22,500 / 82,500 ≈ 0.2727
+    try testing.expectApproxEqAbs(@as(f64, 22_500.0 / 82_500.0), sa.allocations[0].weight, 0.0001);
+
+    try testing.expectApproxEqAbs(@as(f64, 82_500), sa.total_value, 0.01);
+    try testing.expectApproxEqAbs(@as(f64, 10_000), sa.cash_value, 0.01);
+    try testing.expectApproxEqAbs(@as(f64, 50_000), sa.cd_value, 0.01);
+}
+
+test "aggregateSnapshotAllocations: no liquid total defaults to zero weights" {
+    // If the snapshot somehow lacks a `liquid` row, the function
+    // should still succeed — weights just come out as 0.
+    var lots = [_]snapshot.LotRow{
+        .{
+            .kind = "lot",
+            .symbol = "AAPL",
+            .lot_symbol = "AAPL",
+            .account = "A",
+            .security_type = "Stock",
+            .shares = 1,
+            .open_price = 150,
+            .cost_basis = 150,
+            .value = 150,
+        },
+    };
+    const snap: snapshot.Snapshot = .{
+        .meta = .{
+            .kind = "meta",
+            .snapshot_version = 1,
+            .as_of_date = Date.fromYmd(2026, 4, 2),
+            .captured_at = 0,
+            .zfin_version = "test",
+            .stale_count = 0,
+        },
+        .totals = &.{},
+        .tax_types = &.{},
+        .accounts = &.{},
+        .lots = &lots,
+    };
+
+    var sa = try aggregateSnapshotAllocations(testing.allocator, &snap);
+    defer sa.deinit(testing.allocator);
+
+    try testing.expectEqual(@as(usize, 1), sa.allocations.len);
+    try testing.expectEqual(@as(f64, 0), sa.allocations[0].weight);
+    try testing.expectEqual(@as(f64, 0), sa.total_value);
+}
+
+test "aggregateSnapshotAllocations: aggregates by `symbol` (pricing), not `lot_symbol`" {
+    // Snapshot writer stores `symbol = priceSymbol()` (e.g. "BRK-B")
+    // and `lot_symbol = lot.symbol` (user's form, e.g. "BRK.B"). The
+    // candle cache is keyed by the pricing symbol, so aggregation
+    // must use `symbol` to match downstream `getCachedCandles` lookups.
+    //
+    // This test constructs two lots with the same `symbol` (pricing)
+    // but different `lot_symbol` values — they should collapse into a
+    // single allocation.
+    var lots = [_]snapshot.LotRow{
+        .{
+            .kind = "lot",
+            .symbol = "BRK-B",
+            .lot_symbol = "BRK.B",
+            .account = "Brokerage",
+            .security_type = "Stock",
+            .shares = 10,
+            .open_price = 400,
+            .cost_basis = 4_000,
+            .value = 4_500,
+        },
+        .{
+            .kind = "lot",
+            .symbol = "BRK-B",
+            .lot_symbol = "BRK-B",
+            .account = "Roth",
+            .security_type = "Stock",
+            .shares = 5,
+            .open_price = 430,
+            .cost_basis = 2_150,
+            .value = 2_250,
+        },
+    };
+    var totals = [_]snapshot.TotalRow{
+        .{ .kind = "total", .scope = "liquid", .value = 6_750 },
+    };
+    const snap: snapshot.Snapshot = .{
+        .meta = .{
+            .kind = "meta",
+            .snapshot_version = 1,
+            .as_of_date = Date.fromYmd(2026, 4, 2),
+            .captured_at = 0,
+            .zfin_version = "test",
+            .stale_count = 0,
+        },
+        .totals = &totals,
+        .tax_types = &.{},
+        .accounts = &.{},
+        .lots = &lots,
+    };
+
+    var sa = try aggregateSnapshotAllocations(testing.allocator, &snap);
+    defer sa.deinit(testing.allocator);
+
+    // Single entry — two lots merged by pricing symbol "BRK-B".
+    try testing.expectEqual(@as(usize, 1), sa.allocations.len);
+    try testing.expectEqualStrings("BRK-B", sa.allocations[0].symbol);
+    try testing.expectApproxEqAbs(@as(f64, 6_750), sa.allocations[0].market_value, 0.01);
+}
+
+// ── sliceCandlesAsOf tests ────────────────────────────────────
+
+fn makeTestCandle(y: i16, m: u8, d: u8, close: f64) Candle {
+    return .{
+        .date = Date.fromYmd(y, m, d),
+        .open = close,
+        .high = close,
+        .low = close,
+        .close = close,
+        .adj_close = close,
+        .volume = 0,
+    };
+}
+
+test "sliceCandlesAsOf: null as_of returns everything" {
+    const candles = [_]Candle{
+        makeTestCandle(2024, 1, 1, 100),
+        makeTestCandle(2024, 1, 2, 101),
+    };
+    const sliced = sliceCandlesAsOf(&candles, null);
+    try testing.expectEqual(@as(usize, 2), sliced.len);
+}
+
+test "sliceCandlesAsOf: empty input" {
+    const candles = [_]Candle{};
+    const sliced = sliceCandlesAsOf(&candles, Date.fromYmd(2024, 1, 1));
+    try testing.expectEqual(@as(usize, 0), sliced.len);
+}
+
+test "sliceCandlesAsOf: empty input with null as_of" {
+    const candles = [_]Candle{};
+    const sliced = sliceCandlesAsOf(&candles, null);
+    try testing.expectEqual(@as(usize, 0), sliced.len);
+}
+
+test "sliceCandlesAsOf: exact date match included" {
+    const candles = [_]Candle{
+        makeTestCandle(2024, 1, 1, 100),
+        makeTestCandle(2024, 1, 2, 101),
+        makeTestCandle(2024, 1, 3, 102),
+        makeTestCandle(2024, 1, 4, 103),
+    };
+    const sliced = sliceCandlesAsOf(&candles, Date.fromYmd(2024, 1, 2));
+    try testing.expectEqual(@as(usize, 2), sliced.len);
+    try testing.expectApproxEqAbs(@as(f64, 101), sliced[sliced.len - 1].close, 0.001);
+}
+
+test "sliceCandlesAsOf: no exact match snaps to earlier" {
+    const candles = [_]Candle{
+        makeTestCandle(2024, 1, 1, 100),
+        makeTestCandle(2024, 1, 3, 102), // gap — no candle on the 2nd
+        makeTestCandle(2024, 1, 4, 103),
+    };
+    // Asking for Jan 2 returns everything through Jan 1 (nothing at/after Jan 2).
+    const sliced = sliceCandlesAsOf(&candles, Date.fromYmd(2024, 1, 2));
+    try testing.expectEqual(@as(usize, 1), sliced.len);
+    try testing.expectApproxEqAbs(@as(f64, 100), sliced[0].close, 0.001);
+}
+
+test "sliceCandlesAsOf: as_of before all candles returns empty" {
+    const candles = [_]Candle{
+        makeTestCandle(2024, 1, 1, 100),
+        makeTestCandle(2024, 1, 2, 101),
+    };
+    const sliced = sliceCandlesAsOf(&candles, Date.fromYmd(2023, 12, 31));
+    try testing.expectEqual(@as(usize, 0), sliced.len);
+}
+
+test "sliceCandlesAsOf: as_of after all candles returns everything" {
+    const candles = [_]Candle{
+        makeTestCandle(2024, 1, 1, 100),
+        makeTestCandle(2024, 1, 2, 101),
+    };
+    const sliced = sliceCandlesAsOf(&candles, Date.fromYmd(2026, 1, 1));
+    try testing.expectEqual(@as(usize, 2), sliced.len);
+}
+
+// ── resolveSnapshotDate tests ─────────────────────────────────
+
+test "resolveSnapshotDate: exact match returns exact=true" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    try tmp.dir.writeFile(.{ .sub_path = "2024-03-15-portfolio.srf", .data = "" });
+
+    const hist_dir = try tmp.dir.realpathAlloc(testing.allocator, ".");
+    defer testing.allocator.free(hist_dir);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const resolved = try resolveSnapshotDate(arena.allocator(), hist_dir, Date.fromYmd(2024, 3, 15));
+    try testing.expect(resolved.exact);
+    try testing.expectEqual(Date.fromYmd(2024, 3, 15).days, resolved.actual.days);
+    try testing.expectEqual(Date.fromYmd(2024, 3, 15).days, resolved.requested.days);
+}
+
+test "resolveSnapshotDate: no exact match snaps to nearest earlier" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    try tmp.dir.writeFile(.{ .sub_path = "2024-03-10-portfolio.srf", .data = "" });
+    try tmp.dir.writeFile(.{ .sub_path = "2024-03-20-portfolio.srf", .data = "" });
+
+    const hist_dir = try tmp.dir.realpathAlloc(testing.allocator, ".");
+    defer testing.allocator.free(hist_dir);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const resolved = try resolveSnapshotDate(arena.allocator(), hist_dir, Date.fromYmd(2024, 3, 15));
+    try testing.expect(!resolved.exact);
+    try testing.expectEqual(Date.fromYmd(2024, 3, 10).days, resolved.actual.days);
+    try testing.expectEqual(Date.fromYmd(2024, 3, 15).days, resolved.requested.days);
+}
+
+test "resolveSnapshotDate: no earlier snapshot returns NoSnapshotAtOrBefore" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+    // Only a later snapshot — can't satisfy a request for an earlier date.
+    try tmp.dir.writeFile(.{ .sub_path = "2024-04-01-portfolio.srf", .data = "" });
+
+    const hist_dir = try tmp.dir.realpathAlloc(testing.allocator, ".");
+    defer testing.allocator.free(hist_dir);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const result = resolveSnapshotDate(arena.allocator(), hist_dir, Date.fromYmd(2024, 3, 15));
+    try testing.expectError(error.NoSnapshotAtOrBefore, result);
+}
+
+test "resolveSnapshotDate: empty history dir returns NoSnapshotAtOrBefore" {
+    var tmp = std.testing.tmpDir(.{});
+    defer tmp.cleanup();
+
+    const hist_dir = try tmp.dir.realpathAlloc(testing.allocator, ".");
+    defer testing.allocator.free(hist_dir);
+
+    var arena = std.heap.ArenaAllocator.init(testing.allocator);
+    defer arena.deinit();
+
+    const result = resolveSnapshotDate(arena.allocator(), hist_dir, Date.fromYmd(2024, 3, 15));
+    try testing.expectError(error.NoSnapshotAtOrBefore, result);
+}
diff --git a/src/main.zig b/src/main.zig
index 1577ba4..d4fc60b 100644
--- a/src/main.zig
+++ b/src/main.zig
@@ -18,13 +18,13 @@ const usage =
     \\  etf <SYMBOL>           Show ETF profile (holdings, sectors, expense ratio)
     \\  portfolio              Load and analyze the portfolio
     \\  analysis               Show portfolio analysis
-    \\  contributions          Show money added since last commit (git-based diff)
+    \\  contributions [opts]   Show money added since last commit (git-based diff)
     \\  snapshot [opts]        Write a daily portfolio snapshot to history/
     \\  compare <DATE> [<DATE>] Compare portfolio against snapshot (one date = vs today)
     \\  enrich <FILE|SYMBOL>   Bootstrap metadata.srf from Alpha Vantage (25 req/day limit)
     \\  lookup <CUSIP>         Look up CUSIP to ticker via OpenFIGI
     \\  audit [opts]           Reconcile portfolio against brokerage export
-    \\  projections            Retirement projections and benchmark comparison
+    \\  projections [opts]     Retirement projections and benchmark comparison
     \\  cache stats            Show cache statistics
     \\  cache clear            Clear all cached data
     \\  version [-v]           Show zfin version and build info
@@ -71,8 +71,21 @@ const usage =
     \\  Contributions additionally requires the portfolio file to be tracked
     \\  in a git repo; `git` must be on PATH.
     \\
+    \\Contributions command options:
+    \\  --since <DATE>           Compare against the portfolio at-or-before DATE
+    \\                           (accepts YYYY-MM-DD or relative like 1M, 3Q, 1Y).
+    \\                           Without --until, the "after" side is HEAD (or
+    \\                           working copy when dirty). Default: HEAD~1..HEAD.
+    \\  --until <DATE>           Upper bound. Pair with --since to diff two
+    \\                           commits within a date window.
+    \\
     \\Projections command options:
     \\  --no-events              Exclude life events from simulation (baseline view)
+    \\  --as-of <DATE|N[WMQY]>   Compute against a historical snapshot instead of
+    \\                           the live portfolio. Accepts YYYY-MM-DD, relative
+    \\                           shortcuts (1W, 1M, 3M, 1Q, 1Y, 3Y, 5Y), or 'live'.
+    \\                           Auto-snaps to nearest-earlier snapshot if the
+    \\                           exact date has no snapshot file.
     \\
     \\Environment Variables:
     \\  TWELVEDATA_API_KEY    Twelve Data API key (primary: prices)
@@ -335,13 +348,13 @@ fn runCli() !u8 {
             try cli.stderrPrint("Error: 'divs' requires a symbol argument\n");
             return 1;
         }
-        try commands.divs.run(allocator, &svc, cmd_args[0], color, out);
+        try commands.divs.run(&svc, cmd_args[0], color, out);
     } else if (std.mem.eql(u8, command, "splits")) {
         if (cmd_args.len < 1) {
             try cli.stderrPrint("Error: 'splits' requires a symbol argument\n");
             return 1;
         }
-        try commands.splits.run(allocator, &svc, cmd_args[0], color, out);
+        try commands.splits.run(&svc, cmd_args[0], color, out);
     } else if (std.mem.eql(u8, command, "options")) {
         if (cmd_args.len < 1) {
             try cli.stderrPrint("Error: 'options' requires a symbol argument\n");
@@ -356,19 +369,19 @@ fn runCli() !u8 {
                 ntm = std.fmt.parseInt(usize, cmd_args[ai], 10) catch 8;
             }
         }
-        try commands.options.run(allocator, &svc, cmd_args[0], ntm, color, out);
+        try commands.options.run(&svc, cmd_args[0], ntm, color, out);
     } else if (std.mem.eql(u8, command, "earnings")) {
         if (cmd_args.len < 1) {
             try cli.stderrPrint("Error: 'earnings' requires a symbol argument\n");
             return 1;
         }
-        try commands.earnings.run(allocator, &svc, cmd_args[0], color, out);
+        try commands.earnings.run(&svc, cmd_args[0], color, out);
     } else if (std.mem.eql(u8, command, "etf")) {
         if (cmd_args.len < 1) {
             try cli.stderrPrint("Error: 'etf' requires a symbol argument\n");
             return 1;
         }
-        try commands.etf.run(allocator, &svc, cmd_args[0], color, out);
+        try commands.etf.run(&svc, cmd_args[0], color, out);
     } else if (std.mem.eql(u8, command, "portfolio")) {
         // Parse --refresh flag; reject any other token (including old
         // positional FILE, which is now a global -p).
@@ -419,9 +432,35 @@ fn runCli() !u8 {
         try commands.analysis.run(allocator, &svc, pf.path, color, out);
     } else if (std.mem.eql(u8, command, "projections")) {
         var events_enabled = true;
-        for (cmd_args) |a| {
+        var as_of: ?zfin.Date = null;
+        var i: usize = 0;
+        while (i < cmd_args.len) : (i += 1) {
+            const a = cmd_args[i];
             if (std.mem.eql(u8, a, "--no-events")) {
                 events_enabled = false;
+            } else if (std.mem.eql(u8, a, "--as-of")) {
+                if (i + 1 >= cmd_args.len) {
+                    try cli.stderrPrint("Error: --as-of requires a value (YYYY-MM-DD, N[WMQY], or 'live').\n");
+                    return 1;
+                }
+                const value = cmd_args[i + 1];
+                const today = cli.fmt.todayDate();
+                const parsed = cli.parseAsOfDate(value, today) catch |err| {
+                    var buf: [256]u8 = undefined;
+                    const msg = cli.fmtAsOfParseError(&buf, value, err);
+                    try cli.stderrPrint(msg);
+                    try cli.stderrPrint("\n");
+                    return 1;
+                };
+                // null = live (leave as_of null); non-null = resolved date.
+                if (parsed) |d| {
+                    if (d.days > today.days) {
+                        try cli.stderrPrint("Error: --as-of date is in the future.\n");
+                        return 1;
+                    }
+                    as_of = d;
+                }
+                i += 1; // consume the value
             } else {
                 try reportUnexpectedArg("projections", a);
                 return 1;
@@ -429,15 +468,56 @@ fn runCli() !u8 {
         }
         const pf = resolveUserPath(allocator, config, globals.portfolio_path, zfin.Config.default_portfolio_filename);
         defer if (pf.resolved) |r| r.deinit(allocator);
-        try commands.projections.run(allocator, &svc, pf.path, events_enabled, color, out);
+        try commands.projections.run(allocator, &svc, pf.path, events_enabled, as_of, color, out);
     } else if (std.mem.eql(u8, command, "contributions")) {
-        for (cmd_args) |a| {
-            try reportUnexpectedArg("contributions", a);
+        var since: ?zfin.Date = null;
+        var until: ?zfin.Date = null;
+        var i: usize = 0;
+        while (i < cmd_args.len) : (i += 1) {
+            const a = cmd_args[i];
+            if (std.mem.eql(u8, a, "--since") or std.mem.eql(u8, a, "--until")) {
+                if (i + 1 >= cmd_args.len) {
+                    try cli.stderrPrint("Error: ");
+                    try cli.stderrPrint(a);
+                    try cli.stderrPrint(" requires a value (YYYY-MM-DD or N[WMQY]).\n");
+                    return 1;
+                }
+                const value = cmd_args[i + 1];
+                const today = cli.fmt.todayDate();
+                const parsed = cli.parseAsOfDate(value, today) catch |err| {
+                    var buf: [256]u8 = undefined;
+                    const msg = cli.fmtAsOfParseError(&buf, value, err);
+                    try cli.stderrPrint(msg);
+                    try cli.stderrPrint("\n");
+                    return 1;
+                };
+                // `parsed == null` means the user typed "live" or an
+                // empty string — meaningless for --since/--until, which
+                // require concrete dates.
+                const resolved = parsed orelse {
+                    try cli.stderrPrint("Error: ");
+                    try cli.stderrPrint(a);
+                    try cli.stderrPrint(" does not accept 'live'. Use an explicit date or relative offset.\n");
+                    return 1;
+                };
+                if (std.mem.eql(u8, a, "--since")) {
+                    since = resolved;
+                } else {
+                    until = resolved;
+                }
+                i += 1; // consume the value
+            } else {
+                try reportUnexpectedArg("contributions", a);
+                return 1;
+            }
+        }
+        if (since != null and until != null and since.?.days > until.?.days) {
+            try cli.stderrPrint("Error: --since must be on or before --until.\n");
             return 1;
         }
         const pf = resolveUserPath(allocator, config, globals.portfolio_path, zfin.Config.default_portfolio_filename);
         defer if (pf.resolved) |r| r.deinit(allocator);
-        try commands.contributions.run(allocator, &svc, pf.path, color, out);
+        try commands.contributions.run(allocator, &svc, pf.path, since, until, color, out);
     } else if (std.mem.eql(u8, command, "snapshot")) {
         const pf = resolveUserPath(allocator, config, globals.portfolio_path, zfin.Config.default_portfolio_filename);
         defer if (pf.resolved) |r| r.deinit(allocator);
diff --git a/src/models/etf_profile.zig b/src/models/etf_profile.zig
index fa45959..e1c42b2 100644
--- a/src/models/etf_profile.zig
+++ b/src/models/etf_profile.zig
@@ -50,6 +50,30 @@ pub const EtfProfile = struct {
             self.sectors != null or
             self.total_holdings != null;
     }
+
+    /// Free any owned fields on this profile.
+    ///
+    /// Matches the inline cleanup previously inlined in
+    /// `src/commands/etf.zig`. Only `holdings` and `sectors` are
+    /// freed here — the top-level optional strings (`name`,
+    /// `asset_class`, `category`, `description`) are borrowed from
+    /// the cache store's shared buffer in the provider-fetched path
+    /// and don't need freeing. If that changes (e.g., a provider
+    /// starts allocating each field separately), extend this
+    /// function accordingly.
+    pub fn deinit(self: EtfProfile, allocator: std.mem.Allocator) void {
+        if (self.holdings) |h| {
+            for (h) |holding| {
+                if (holding.symbol) |s| allocator.free(s);
+                allocator.free(holding.name);
+            }
+            allocator.free(h);
+        }
+        if (self.sectors) |s| {
+            for (s) |sec| allocator.free(sec.name);
+            allocator.free(s);
+        }
+    }
 };
 
 const std = @import("std");
diff --git a/src/models/option.zig b/src/models/option.zig
index 75a29c8..9231bcc 100644
--- a/src/models/option.zig
+++ b/src/models/option.zig
@@ -32,4 +32,21 @@ pub const OptionsChain = struct {
     expiration: Date,
     calls: []const OptionContract,
     puts: []const OptionContract,
+
+    /// Free any owned fields on this chain. Mirrors the pattern in
+    /// `Dividend.deinit` — callers who own a single chain can release
+    /// it directly; callers with a slice use `freeSlice` below.
+    pub fn deinit(self: OptionsChain, allocator: std.mem.Allocator) void {
+        allocator.free(self.underlying_symbol);
+        allocator.free(self.calls);
+        allocator.free(self.puts);
+    }
+
+    /// Free a slice of chains, calling `deinit` on each element first.
+    pub fn freeSlice(allocator: std.mem.Allocator, chains: []const OptionsChain) void {
+        for (chains) |c| c.deinit(allocator);
+        allocator.free(chains);
+    }
 };
+
+const std = @import("std");
diff --git a/src/service.zig b/src/service.zig
index 36c585e..d3ef632 100644
--- a/src/service.zig
+++ b/src/service.zig
@@ -62,11 +62,41 @@ pub const Source = enum {
 };
 
 /// Generic result type for all fetch operations: data payload + provenance metadata.
+///
+/// `data` is owned by `allocator` — call `result.deinit()` to release
+/// it (both the outer slice/struct and any nested owned fields). This
+/// replaces the earlier "caller frees with whatever allocator they
+/// happen to have" pattern, which was error-prone when the caller's
+/// allocator (e.g. an arena) differed from the service's allocator.
 pub fn FetchResult(comptime T: type) type {
     return struct {
         data: cache.Store.DataFor(T),
         source: Source,
         timestamp: i64,
+        /// Allocator that owns `data`. Populated by the service on
+        /// every return path; callers use it via `deinit` rather than
+        /// touching it directly.
+        allocator: std.mem.Allocator,
+
+        /// Free `data` and any nested owned fields.
+        ///
+        /// Dispatches at comptime:
+        ///   - If `T` has a `freeSlice` helper (Dividend, OptionsChain),
+        ///     call it — handles element deinit plus the outer slice.
+        ///   - Else if `data` is a slice (Candle, Split, EarningsEvent),
+        ///     do a simple slice free.
+        ///   - Else if `T` has a `deinit` method (EtfProfile), call it
+        ///     on the struct itself.
+        pub fn deinit(self: @This()) void {
+            const DT = @TypeOf(self.data);
+            if (@hasDecl(T, "freeSlice")) {
+                T.freeSlice(self.allocator, self.data);
+            } else if (@typeInfo(DT) == .pointer) {
+                self.allocator.free(self.data);
+            } else if (@hasDecl(T, "deinit")) {
+                self.data.deinit(self.allocator);
+            }
+        }
     };
 }
 
@@ -250,14 +280,14 @@ pub const DataService = struct {
 
         if (s.read(T, symbol, postProcess, .fresh_only)) |cached| {
             log.debug("{s}: {s} fresh in local cache", .{ symbol, @tagName(data_type) });
-            return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp };
+            return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp, .allocator = self.allocator() };
         }
 
         // Try server sync before hitting providers
         if (self.syncFromServer(symbol, data_type)) {
             if (s.read(T, symbol, postProcess, .fresh_only)) |cached| {
                 log.debug("{s}: {s} synced from server and fresh", .{ symbol, @tagName(data_type) });
-                return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp };
+                return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp, .allocator = self.allocator() };
             }
             log.debug("{s}: {s} synced from server but stale, falling through to provider", .{ symbol, @tagName(data_type) });
         }
@@ -271,14 +301,14 @@ pub const DataService = struct {
                     return DataError.FetchFailed;
                 };
                 s.write(T, symbol, retried, data_type.ttl());
-                return .{ .data = retried, .source = .fetched, .timestamp = std.time.timestamp() };
+                return .{ .data = retried, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
             }
             s.writeNegative(symbol, data_type);
             return DataError.FetchFailed;
         };
 
         s.write(T, symbol, fetched, data_type.ttl());
-        return .{ .data = fetched, .source = .fetched, .timestamp = std.time.timestamp() };
+        return .{ .data = fetched, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
     }
 
     /// Dispatch a fetch to the correct provider based on model type.
@@ -434,14 +464,14 @@ pub const DataService = struct {
                 // Fresh — deserialize candles and return
                 log.debug("{s}: candles fresh in local cache", .{symbol});
                 if (s.read(Candle, symbol, null, .any)) |r|
-                    return .{ .data = r.data, .source = .cached, .timestamp = mr.created };
+                    return .{ .data = r.data, .source = .cached, .timestamp = mr.created, .allocator = self.allocator() };
             } else {
                 // Stale — try server sync before incremental fetch
                 if (self.syncCandlesFromServer(symbol)) {
                     if (s.isCandleMetaFresh(symbol)) {
                         log.debug("{s}: candles synced from server and fresh", .{symbol});
                         if (s.read(Candle, symbol, null, .any)) |r|
-                            return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp() };
+                            return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
                     }
                     log.debug("{s}: candles synced from server but stale, falling through to incremental fetch", .{symbol});
                 }
@@ -453,7 +483,7 @@ pub const DataService = struct {
                 if (!fetch_from.lessThan(today)) {
                     s.updateCandleMeta(symbol, m.last_close, m.last_date, m.provider, m.fail_count);
                     if (s.read(Candle, symbol, null, .any)) |r|
-                        return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp() };
+                        return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
                 } else {
                     // Incremental fetch from day after last cached candle
                     const result = self.fetchCandlesFromProviders(symbol, fetch_from, today, m.provider) catch |err| {
@@ -467,13 +497,13 @@ pub const DataService = struct {
                             if (new_fail_count >= 3) {
                                 log.warn("{s}: degraded after {d} consecutive failures, returning stale data", .{ symbol, new_fail_count });
                                 if (s.read(Candle, symbol, null, .any)) |r|
-                                    return .{ .data = r.data, .source = .cached, .timestamp = mr.created };
+                                    return .{ .data = r.data, .source = .cached, .timestamp = mr.created, .allocator = self.allocator() };
                             }
                             return DataError.TransientError;
                         }
                         // Non-transient failure — return stale data if available
                         if (s.read(Candle, symbol, null, .any)) |r|
-                            return .{ .data = r.data, .source = .cached, .timestamp = mr.created };
+                            return .{ .data = r.data, .source = .cached, .timestamp = mr.created, .allocator = self.allocator() };
                         return DataError.FetchFailed;
                     };
                     const new_candles = result.candles;
@@ -483,15 +513,15 @@ pub const DataService = struct {
                         self.allocator().free(new_candles);
                         s.updateCandleMeta(symbol, m.last_close, m.last_date, result.provider, 0);
                         if (s.read(Candle, symbol, null, .any)) |r|
-                            return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp() };
+                            return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
                     } else {
                         // Append new candles to existing file + update meta, reset fail_count
                         s.appendCandles(symbol, new_candles, result.provider, 0);
                         if (s.read(Candle, symbol, null, .any)) |r| {
                             self.allocator().free(new_candles);
-                            return .{ .data = r.data, .source = .fetched, .timestamp = std.time.timestamp() };
+                            return .{ .data = r.data, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
                         }
-                        return .{ .data = new_candles, .source = .fetched, .timestamp = std.time.timestamp() };
+                        return .{ .data = new_candles, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
                     }
                 }
             }
@@ -502,7 +532,7 @@ pub const DataService = struct {
             if (s.isCandleMetaFresh(symbol)) {
                 log.debug("{s}: candles synced from server and fresh (no prior cache)", .{symbol});
                 if (s.read(Candle, symbol, null, .any)) |r|
-                    return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp() };
+                    return .{ .data = r.data, .source = .cached, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
             }
             log.debug("{s}: candles synced from server but stale, falling through to full fetch", .{symbol});
         }
@@ -528,7 +558,7 @@ pub const DataService = struct {
             s.cacheCandles(symbol, result.candles, result.provider, 0); // reset fail_count on success
         }
 
-        return .{ .data = result.candles, .source = .fetched, .timestamp = std.time.timestamp() };
+        return .{ .data = result.candles, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
     }
 
     /// Fetch dividend history for a symbol.
@@ -553,7 +583,7 @@ pub const DataService = struct {
     pub fn getEarnings(self: *DataService, symbol: []const u8) DataError!FetchResult(EarningsEvent) {
         // Mutual funds (5-letter tickers ending in X) don't have quarterly earnings.
         if (isMutualFund(symbol)) {
-            return .{ .data = &.{}, .source = .cached, .timestamp = std.time.timestamp() };
+            return .{ .data = &.{}, .source = .cached, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
         }
 
         var s = self.store();
@@ -568,7 +598,7 @@ pub const DataService = struct {
 
             if (!needs_refresh) {
                 log.debug("{s}: earnings fresh in local cache", .{symbol});
-                return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp };
+                return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp, .allocator = self.allocator() };
             }
             // Stale: free cached events and re-fetch below
             self.allocator().free(cached.data);
@@ -578,7 +608,7 @@ pub const DataService = struct {
         if (self.syncFromServer(symbol, .earnings)) {
             if (s.read(EarningsEvent, symbol, earningsPostProcess, .fresh_only)) |cached| {
                 log.debug("{s}: earnings synced from server and fresh", .{symbol});
-                return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp };
+                return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp, .allocator = self.allocator() };
             }
             log.debug("{s}: earnings synced from server but stale, falling through to provider", .{symbol});
         }
@@ -599,7 +629,7 @@ pub const DataService = struct {
 
         s.write(EarningsEvent, symbol, fetched, cache.Ttl.earnings);
 
-        return .{ .data = fetched, .source = .fetched, .timestamp = std.time.timestamp() };
+        return .{ .data = fetched, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
     }
 
     /// Fetch ETF profile for a symbol.
@@ -608,7 +638,7 @@ pub const DataService = struct {
         var s = self.store();
 
         if (s.read(EtfProfile, symbol, null, .fresh_only)) |cached|
-            return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp };
+            return .{ .data = cached.data, .source = .cached, .timestamp = cached.timestamp, .allocator = self.allocator() };
 
         var av = try self.getProvider(AlphaVantage);
         const fetched = av.fetchEtfProfile(self.allocator(), symbol) catch |err| blk: {
@@ -624,7 +654,7 @@ pub const DataService = struct {
 
         s.write(EtfProfile, symbol, fetched, cache.Ttl.etf_profile);
 
-        return .{ .data = fetched, .source = .fetched, .timestamp = std.time.timestamp() };
+        return .{ .data = fetched, .source = .fetched, .timestamp = std.time.timestamp(), .allocator = self.allocator() };
     }
 
     /// Fetch a real-time quote for a symbol.
@@ -745,11 +775,14 @@ pub const DataService = struct {
 
     /// Read candles from cache only (no network fetch). Used by TUI for display.
     /// Returns null if no cached data exists or if the entry is a negative cache (fetch_failed).
-    pub fn getCachedCandles(self: *DataService, symbol: []const u8) ?[]Candle {
+    ///
+    /// Returns a `FetchResult(Candle)` so the caller can `result.deinit()`
+    /// without needing to know the service's internal allocator.
+    pub fn getCachedCandles(self: *DataService, symbol: []const u8) ?FetchResult(Candle) {
         var s = self.store();
         if (s.isNegative(symbol, .candles_daily)) return null;
         const result = s.read(Candle, symbol, null, .any) orelse return null;
-        return result.data;
+        return .{ .data = result.data, .source = .cached, .timestamp = result.timestamp, .allocator = self.allocator() };
     }
 
     /// Read dividends from cache only (no network fetch).
@@ -1548,6 +1581,7 @@ test "FetchResult type construction" {
         .data = &.{},
         .source = .cached,
         .timestamp = 0,
+        .allocator = std.testing.allocator,
     };
     try std.testing.expect(candle_result.source == .cached);
 
@@ -1555,6 +1589,7 @@ test "FetchResult type construction" {
         .data = &.{},
         .source = .fetched,
         .timestamp = 12345,
+        .allocator = std.testing.allocator,
     };
     try std.testing.expect(div_result.source == .fetched);
     try std.testing.expectEqual(@as(i64, 12345), div_result.timestamp);
diff --git a/src/tui.zig b/src/tui.zig
index b459c7c..01fa9c5 100644
--- a/src/tui.zig
+++ b/src/tui.zig
@@ -15,7 +15,7 @@ const earnings_tab = @import("tui/earnings_tab.zig");
 const analysis_tab = @import("tui/analysis_tab.zig");
 const history_tab = @import("tui/history_tab.zig");
 const projections_tab = @import("tui/projections_tab.zig");
-const history_io = @import("history.zig");
+const history = @import("history.zig");
 const timeline = @import("analytics/timeline.zig");
 const compare_core = @import("compare.zig");
 const compare_view = @import("views/compare.zig");
@@ -106,6 +106,10 @@ pub const InputMode = enum {
     help,
     account_picker,
     account_search,
+    /// Mini popup on the projections tab for entering an as-of date.
+    /// Same input scaffolding as `symbol_input` (shared `input_buf`),
+    /// committed via `parseAsOfDate`.
+    date_input,
 };
 
 pub const StyledLine = struct {
@@ -408,7 +412,7 @@ pub const App = struct {
     // History tab state
     history_loaded: bool = false,
     history_disabled: bool = false, // true when no portfolio path (history requires it)
-    history_timeline: ?history_io.LoadedTimeline = null,
+    history_timeline: ?history.LoadedTimeline = null,
     // Cursor for the recent-snapshots table. 0 = newest row (live
     // pseudo-row if available, otherwise newest snapshot).
     history_cursor: usize = 0,
@@ -447,6 +451,17 @@ pub const App = struct {
     projections_events_enabled: bool = true,
     projections_value_min: f64 = 0,
     projections_value_max: f64 = 0,
+    /// When non-null, the projections tab renders against a historical
+    /// snapshot instead of the live portfolio. Set via the `d` popup
+    /// (parsed by `cli.parseAsOfDate`) and auto-snapped to the nearest
+    /// earlier available snapshot. Cleared by `D` or by committing
+    /// an empty / "live" input.
+    projections_as_of: ?zfin.Date = null,
+    /// When auto-snap kicked in, `projections_as_of` is the resolved
+    /// snapshot date but `projections_as_of_requested` remembers what
+    /// the user actually typed — surfaced in the tab header as a muted
+    /// "(requested X; snapped to Y, N days earlier)" note.
+    projections_as_of_requested: ?zfin.Date = null,
     // Default to `.liquid` — that's the metric most worth watching
     // day-to-day. Illiquid barely changes, net_worth is dominated by
     // liquid anyway, so "show me liquid" is the headline view.
@@ -480,6 +495,9 @@ pub const App = struct {
                 if (self.mode == .symbol_input) {
                     return self.handleInputKey(ctx, key);
                 }
+                if (self.mode == .date_input) {
+                    return self.handleDateInputKey(ctx, key);
+                }
                 if (self.mode == .account_picker) {
                     return self.handleAccountPickerKey(ctx, key);
                 }
@@ -669,48 +687,156 @@ pub const App = struct {
         }
     }
 
-    /// Handles keypresses in symbol_input mode (activated by `/`).
-    /// Mini text input for typing a ticker symbol (e.g. AAPL, BRK.B, ^GSPC).
-    fn handleInputKey(self: *App, ctx: *vaxis.vxfw.EventContext, key: vaxis.Key) void {
-        // Cancel input, return to normal mode
+    /// Outcome of a single keypress in an input-mode buffer (symbol
+    /// input, date input, etc.). Returned by `handleInputBuffer` so
+    /// the per-mode caller only needs to wire up the `committed`
+    /// branch with its own semantics; the shared scaffolding (Esc to
+    /// cancel, Backspace/Ctrl+U to edit, printable to append) is
+    /// handled once.
+    const InputBufferResult = enum {
+        /// Esc pressed. Caller should exit input mode; the shared
+        /// helper has already reset `input_len` and set mode back to
+        /// `.normal`.
+        cancelled,
+        /// Enter pressed. Caller reads `self.input_buf[0..self.input_len]`
+        /// to commit, then resets mode + length.
+        committed,
+        /// Character appended / removed / cleared. Caller should just
+        /// redraw; no further action.
+        edited,
+        /// Key didn't match any input-buffer semantic (e.g., a
+        /// function key). Caller may ignore or layer on its own
+        /// handling; the helper didn't consume the event.
+        ignored,
+    };
+
+    /// Shared input-buffer state machine. Handles Esc (cancel),
+    /// Backspace/Ctrl+U (edit), and printable-ASCII append. Returns
+    /// the outcome so the caller can wire up Enter and Esc/edit
+    /// side-effects on its own.
+    ///
+    /// Behavior on `cancelled`: resets `self.mode = .normal` and
+    /// `self.input_len = 0`. Caller typically sets a status message
+    /// and calls `ctx.consumeAndRedraw()`.
+    ///
+    /// Does not touch state on `committed` — caller owns the commit
+    /// (reading the buffer, dispatching to downstream, resetting
+    /// mode/length when done).
+    fn handleInputBuffer(self: *App, key: vaxis.Key) InputBufferResult {
         if (key.codepoint == vaxis.Key.escape) {
             self.mode = .normal;
             self.input_len = 0;
-            self.setStatus("Cancelled");
-            return ctx.consumeAndRedraw();
+            return .cancelled;
         }
-        // Commit: uppercase the input, set as active symbol, switch to quote tab
         if (key.codepoint == vaxis.Key.enter) {
-            if (self.input_len > 0) {
-                for (self.input_buf[0..self.input_len]) |*ch| ch.* = std.ascii.toUpper(ch.*);
-                @memcpy(self.symbol_buf[0..self.input_len], self.input_buf[0..self.input_len]);
-                self.symbol = self.symbol_buf[0..self.input_len];
-                self.symbol_owned = true;
-                self.has_explicit_symbol = true;
-                self.resetSymbolData();
-                self.active_tab = .quote;
-                self.loadTabData();
-                ctx.queueRefresh() catch {};
-            }
-            self.mode = .normal;
-            self.input_len = 0;
-            return ctx.consumeAndRedraw();
+            return .committed;
         }
-        // Delete last character
         if (key.codepoint == vaxis.Key.backspace) {
             if (self.input_len > 0) self.input_len -= 1;
-            return ctx.consumeAndRedraw();
+            return .edited;
         }
         // Ctrl+U: clear entire input (readline convention)
         if (key.matches('u', .{ .ctrl = true })) {
             self.input_len = 0;
-            return ctx.consumeAndRedraw();
+            return .edited;
         }
-        // Accept printable ASCII (letters, digits, dots, hyphens, carets for tickers)
+        // Accept printable ASCII (letters, digits, common punctuation).
         if (key.codepoint < std.math.maxInt(u7) and std.ascii.isPrint(@intCast(key.codepoint)) and self.input_len < self.input_buf.len) {
             self.input_buf[self.input_len] = @intCast(key.codepoint);
             self.input_len += 1;
-            return ctx.consumeAndRedraw();
+            return .edited;
+        }
+        return .ignored;
+    }
+
+    /// Handles keypresses in symbol_input mode (activated by `/`).
+    /// Mini text input for typing a ticker symbol (e.g. AAPL, BRK.B, ^GSPC).
+    fn handleInputKey(self: *App, ctx: *vaxis.vxfw.EventContext, key: vaxis.Key) void {
+        switch (self.handleInputBuffer(key)) {
+            .cancelled => {
+                self.setStatus("Cancelled");
+                return ctx.consumeAndRedraw();
+            },
+            .edited => return ctx.consumeAndRedraw(),
+            .ignored => {},
+            .committed => {
+                // Commit: uppercase the input, set as active symbol, switch to quote tab
+                if (self.input_len > 0) {
+                    for (self.input_buf[0..self.input_len]) |*ch| ch.* = std.ascii.toUpper(ch.*);
+                    @memcpy(self.symbol_buf[0..self.input_len], self.input_buf[0..self.input_len]);
+                    self.symbol = self.symbol_buf[0..self.input_len];
+                    self.symbol_owned = true;
+                    self.has_explicit_symbol = true;
+                    self.resetSymbolData();
+                    self.active_tab = .quote;
+                    self.loadTabData();
+                    ctx.queueRefresh() catch {};
+                }
+                self.mode = .normal;
+                self.input_len = 0;
+                return ctx.consumeAndRedraw();
+            },
+        }
+    }
+
+    /// Handles keypresses in date_input mode (activated by `d` on the
+    /// projections tab).
+    ///
+    /// Accepts the same input as the CLI `--as-of` flag — `YYYY-MM-DD`,
+    /// relative shortcuts (`1W`, `1M`, `3M`, `1Q`, `1Y`, `3Y`, `5Y`),
+    /// or `live` / empty for live state. Commit via Enter, cancel via
+    /// Esc.
+    fn handleDateInputKey(self: *App, ctx: *vaxis.vxfw.EventContext, key: vaxis.Key) void {
+        switch (self.handleInputBuffer(key)) {
+            .cancelled => {
+                self.setStatus("Cancelled");
+                return ctx.consumeAndRedraw();
+            },
+            .edited => return ctx.consumeAndRedraw(),
+            .ignored => {},
+            .committed => {
+                const input = self.input_buf[0..self.input_len];
+                const today = fmt.todayDate();
+                const parsed = cli.parseAsOfDate(input, today) catch |err| {
+                    var buf: [256]u8 = undefined;
+                    const msg = cli.fmtAsOfParseError(&buf, input, err);
+                    self.setStatus(msg);
+                    self.mode = .normal;
+                    self.input_len = 0;
+                    return ctx.consumeAndRedraw();
+                };
+
+                if (parsed) |d| {
+                    // Guard against future dates.
+                    if (d.days > today.days) {
+                        self.setStatus("As-of date is in the future");
+                        self.mode = .normal;
+                        self.input_len = 0;
+                        return ctx.consumeAndRedraw();
+                    }
+                    self.projections_as_of = d;
+                    self.projections_as_of_requested = null;
+                    var date_buf: [10]u8 = undefined;
+                    var status_buf: [64]u8 = undefined;
+                    const date_str = d.format(&date_buf);
+                    const msg = std.fmt.bufPrint(&status_buf, "As-of: {s}", .{date_str}) catch "As-of set";
+                    self.setStatus(msg);
+                } else {
+                    // `null` parse result = live.
+                    self.projections_as_of = null;
+                    self.projections_as_of_requested = null;
+                    self.setStatus("As-of cleared — showing live");
+                }
+
+                projections_tab.freeLoaded(self);
+                self.projections_loaded = false;
+                projections_tab.loadData(self);
+
+                self.mode = .normal;
+                self.input_len = 0;
+                ctx.queueRefresh() catch {};
+                return ctx.consumeAndRedraw();
+            },
         }
     }
 
@@ -952,7 +1078,8 @@ pub const App = struct {
             if (history_tab.handleCompareKey(self, ctx, key)) return;
         }
 
-        // Escape: clear account filter on portfolio tab, no-op otherwise
+        // Escape: clear account filter on portfolio tab, clear as-of
+        // on projections tab, no-op otherwise.
         if (key.codepoint == vaxis.Key.escape) {
             if (self.active_tab == .portfolio and self.account_filter != null) {
                 self.setAccountFilter(null);
@@ -962,6 +1089,15 @@ pub const App = struct {
                 self.setStatus("Filter cleared: showing all accounts");
                 return ctx.consumeAndRedraw();
             }
+            if (self.active_tab == .projections and self.projections_as_of != null) {
+                self.projections_as_of = null;
+                self.projections_as_of_requested = null;
+                projections_tab.freeLoaded(self);
+                self.projections_loaded = false;
+                projections_tab.loadData(self);
+                self.setStatus("As-of cleared — showing live");
+                return ctx.consumeAndRedraw();
+            }
             return;
         }
 
@@ -1194,6 +1330,18 @@ pub const App = struct {
                     return ctx.consumeAndRedraw();
                 }
             },
+            .projections_as_of_input => {
+                // Only meaningful on the projections tab. Other tabs
+                // let the same key flow to their own handlers (none
+                // currently bind plain 'd').
+                if (self.active_tab == .projections) {
+                    self.mode = .date_input;
+                    self.input_len = 0;
+                    // No setStatus — drawStatusBar replaces the whole
+                    // line with the prompt + hint when mode is .date_input.
+                    return ctx.consumeAndRedraw();
+                }
+            },
             // History-tab compare actions are normally intercepted in
             // `handleCompareKey` before `matchAction` runs (because the
             // default 's'/'c'/space/escape key bindings belong to other
@@ -1642,12 +1790,7 @@ pub const App = struct {
 
     pub fn freeOptions(self: *App) void {
         if (self.options_data) |chains| {
-            for (chains) |chain| {
-                self.allocator.free(chain.calls);
-                self.allocator.free(chain.puts);
-                self.allocator.free(chain.underlying_symbol);
-            }
-            self.allocator.free(chains);
+            zfin.OptionsChain.freeSlice(self.allocator, chains);
         }
         self.options_data = null;
     }
@@ -1878,36 +2021,45 @@ pub const App = struct {
         }
     }
 
+    /// Render a prompt + live input buffer + blinking cursor + right-
+    /// aligned hint into the status-bar cell buffer. Shared between
+    /// `.symbol_input` and `.date_input` modes — only the prompt and
+    /// hint text differ.
+    fn renderInputPrompt(self: *App, buf: []vaxis.Cell, width: u16, prompt: []const u8, hint: []const u8) void {
+        const t = self.theme;
+        const prompt_style = t.inputStyle();
+        @memset(buf, .{ .char = .{ .grapheme = " " }, .style = prompt_style });
+
+        for (0..@min(prompt.len, width)) |i| {
+            buf[i] = .{ .char = .{ .grapheme = glyph(prompt[i]) }, .style = prompt_style };
+        }
+        const input = self.input_buf[0..self.input_len];
+        for (0..@min(input.len, @as(usize, width) -| prompt.len)) |i| {
+            buf[prompt.len + i] = .{ .char = .{ .grapheme = glyph(input[i]) }, .style = prompt_style };
+        }
+        const cursor_pos = prompt.len + self.input_len;
+        if (cursor_pos < width) {
+            var cursor_style = prompt_style;
+            cursor_style.blink = true;
+            buf[cursor_pos] = .{ .char = .{ .grapheme = "_" }, .style = cursor_style };
+        }
+        if (width > hint.len + cursor_pos + 2) {
+            const hint_start = width - hint.len;
+            const hint_style = t.inputHintStyle();
+            for (0..hint.len) |i| {
+                buf[hint_start + i] = .{ .char = .{ .grapheme = glyph(hint[i]) }, .style = hint_style };
+            }
+        }
+    }
+
     fn drawStatusBar(self: *App, ctx: vaxis.vxfw.DrawContext, width: u16) !vaxis.vxfw.Surface {
         const t = self.theme;
         const buf = try ctx.arena.alloc(vaxis.Cell, width);
 
         if (self.mode == .symbol_input) {
-            const prompt_style = t.inputStyle();
-            @memset(buf, .{ .char = .{ .grapheme = " " }, .style = prompt_style });
-
-            const prompt = "Symbol: ";
-            for (0..@min(prompt.len, width)) |i| {
-                buf[i] = .{ .char = .{ .grapheme = glyph(prompt[i]) }, .style = prompt_style };
-            }
-            const input = self.input_buf[0..self.input_len];
-            for (0..@min(input.len, @as(usize, width) -| prompt.len)) |i| {
-                buf[prompt.len + i] = .{ .char = .{ .grapheme = glyph(input[i]) }, .style = prompt_style };
-            }
-            const cursor_pos = prompt.len + self.input_len;
-            if (cursor_pos < width) {
-                var cursor_style = prompt_style;
-                cursor_style.blink = true;
-                buf[cursor_pos] = .{ .char = .{ .grapheme = "_" }, .style = cursor_style };
-            }
-            const hint = " Enter=confirm  Esc=cancel ";
-            if (width > hint.len + cursor_pos + 2) {
-                const hint_start = width - hint.len;
-                const hint_style = t.inputHintStyle();
-                for (0..hint.len) |i| {
-                    buf[hint_start + i] = .{ .char = .{ .grapheme = glyph(hint[i]) }, .style = hint_style };
-                }
-            }
+            self.renderInputPrompt(buf, width, "Symbol: ", " Enter=confirm  Esc=cancel ");
+        } else if (self.mode == .date_input) {
+            self.renderInputPrompt(buf, width, "As-of: ", " YYYY-MM-DD | 1M | live  Enter=confirm ");
         } else if (self.mode == .account_picker) {
             const prompt_style = t.inputStyle();
             @memset(buf, .{ .char = .{ .grapheme = " " }, .style = prompt_style });
diff --git a/src/tui/history_tab.zig b/src/tui/history_tab.zig
index 5f6f253..0633fda 100644
--- a/src/tui/history_tab.zig
+++ b/src/tui/history_tab.zig
@@ -40,7 +40,7 @@ const zfin = @import("../root.zig");
 const fmt = @import("../format.zig");
 const theme = @import("theme.zig");
 const tui = @import("../tui.zig");
-const history_io = @import("../history.zig");
+const history = @import("../history.zig");
 const timeline = @import("../analytics/timeline.zig");
 const view = @import("../views/history.zig");
 const compare_core = @import("../compare.zig");
@@ -59,7 +59,7 @@ pub fn loadData(app: *App) void {
         return;
     };
 
-    app.history_timeline = history_io.loadTimeline(app.allocator, portfolio_path) catch {
+    app.history_timeline = history.loadTimeline(app.allocator, portfolio_path) catch {
         app.setStatus("Failed to read history/ directory");
         return;
     };
@@ -254,7 +254,7 @@ fn buildCompareFromSelections(app: *App, sel_a: usize, sel_b: usize) !void {
         app.setStatus("No portfolio loaded — can't build compare");
         return error.PortfolioLoadFailed;
     };
-    const hist_dir = try history_io.deriveHistoryDir(app.allocator, portfolio_path);
+    const hist_dir = try history.deriveHistoryDir(app.allocator, portfolio_path);
     defer app.allocator.free(hist_dir);
 
     // SAFETY: assigned in both branches of the `if (older.is_live)`
diff --git a/src/tui/keybinds.zig b/src/tui/keybinds.zig
index 5913fb9..9f1301b 100644
--- a/src/tui/keybinds.zig
+++ b/src/tui/keybinds.zig
@@ -58,6 +58,15 @@ pub const Action = enum {
     account_filter,
     toggle_chart,
     toggle_events,
+    /// Projections tab: open the as-of date input popup. Default: 'd'.
+    /// Accepts YYYY-MM-DD, N[WMQY] shortcuts (1W, 1M, 3M, 1Q, 1Y), or 'live'.
+    /// Empty input + Enter returns to live. See `parseAsOfDate` in
+    /// `src/commands/common.zig`.
+    ///
+    /// To return to live without opening the popup, press Esc on the
+    /// projections tab while an as-of date is active. That path is
+    /// intercepted directly in `tui.zig` — no separate keybind action.
+    projections_as_of_input,
 };
 
 pub const KeyCombo = struct {
@@ -157,6 +166,10 @@ const default_bindings = [_]Binding{
     .{ .action = .account_filter, .key = .{ .codepoint = 'a' } },
     .{ .action = .toggle_chart, .key = .{ .codepoint = 'v' } },
     .{ .action = .toggle_events, .key = .{ .codepoint = 'e' } },
+    // Projections-tab date-picker popup. `d` opens the popup; to
+    // clear an active as-of date, press Esc while on the projections
+    // tab (intercepted in `tui.zig` before `matchAction`).
+    .{ .action = .projections_as_of_input, .key = .{ .codepoint = 'd' } },
 };
 
 pub fn defaults() KeyMap {
diff --git a/src/tui/portfolio_tab.zig b/src/tui/portfolio_tab.zig
index 9695056..01b5133 100644
--- a/src/tui/portfolio_tab.zig
+++ b/src/tui/portfolio_tab.zig
@@ -111,7 +111,7 @@ pub fn loadPortfolioData(app: *App) void {
         if (app.watchlist) |wl| {
             for (wl) |sym| {
                 const result = app.svc.getCandles(sym) catch continue;
-                defer app.allocator.free(result.data);
+                defer result.deinit();
                 if (result.data.len > 0) {
                     wp.put(sym, result.data[result.data.len - 1].close) catch {};
                 }
@@ -121,7 +121,7 @@ pub fn loadPortfolioData(app: *App) void {
             if (lot.security_type == .watch) {
                 const sym = lot.priceSymbol();
                 const result = app.svc.getCandles(sym) catch continue;
-                defer app.allocator.free(result.data);
+                defer result.deinit();
                 if (result.data.len > 0) {
                     wp.put(sym, result.data[result.data.len - 1].close) catch {};
                 }
@@ -1253,10 +1253,10 @@ pub fn reloadPortfolioFile(app: *App) void {
         // Cache only — no network
         const candles_slice = app.svc.getCachedCandles(sym);
         if (candles_slice) |cs| {
-            defer app.allocator.free(cs);
-            if (cs.len > 0) {
-                prices.put(sym, cs[cs.len - 1].close) catch {};
-                const d = cs[cs.len - 1].date;
+            defer cs.deinit();
+            if (cs.data.len > 0) {
+                prices.put(sym, cs.data[cs.data.len - 1].close) catch {};
+                const d = cs.data[cs.data.len - 1].date;
                 if (latest_date == null or d.days > latest_date.?.days) latest_date = d;
             }
         } else {
diff --git a/src/tui/projections_tab.zig b/src/tui/projections_tab.zig
index d5c5af2..1500cbd 100644
--- a/src/tui/projections_tab.zig
+++ b/src/tui/projections_tab.zig
@@ -10,6 +10,14 @@
 //! Consumes `src/analytics/projections.zig` (simulation engine),
 //! `src/analytics/benchmark.zig` (weighted returns), and
 //! `src/views/projections.zig` (view model).
+//!
+//! ## As-of mode
+//!
+//! When `app.projections_as_of` is non-null, the tab renders against a
+//! historical snapshot instead of the live portfolio, using
+//! `view.loadProjectionContextAsOf`. The user toggles this via the `d`
+//! keybind (date popup) or `D` (return to live). Auto-snaps to the
+//! nearest earlier snapshot when the exact date isn't available.
 
 const std = @import("std");
 const vaxis = @import("vaxis");
@@ -24,6 +32,7 @@ const benchmark = @import("../analytics/benchmark.zig");
 const performance = @import("../analytics/performance.zig");
 const valuation = @import("../analytics/valuation.zig");
 const view = @import("../views/projections.zig");
+const history = @import("../history.zig");
 const App = tui.App;
 const StyledLine = tui.StyledLine;
 
@@ -38,17 +47,79 @@ pub fn loadData(app: *App) void {
         return;
     };
 
+    const dir_end = if (std.mem.lastIndexOfScalar(u8, portfolio_path, std.fs.path.sep)) |idx| idx + 1 else 0;
+    const portfolio_dir = portfolio_path[0..dir_end];
+
+    // As-of mode — load historical snapshot + ctx. This path is
+    // independent of `app.portfolio_summary` / `app.portfolio` because
+    // the snapshot's own totals and lot composition are the source of
+    // truth for the projection.
+    //
+    // On any failure (no snapshot at/before requested date, unreadable
+    // file, compute error) we clear the as-of state, leave a status
+    // message explaining why, and fall through to the live path so
+    // the tab still shows something rather than going blank.
+    as_of: {
+        const requested_date = app.projections_as_of orelse break :as_of;
+
+        const actual_date = resolveSnapshotDate(app, portfolio_path, requested_date) orelse {
+            // `setStatus` already called by resolveSnapshotDate.
+            app.projections_as_of = null;
+            app.projections_as_of_requested = null;
+            break :as_of;
+        };
+        app.projections_as_of = actual_date;
+        // Preserve requested for the header note; clear if it matches actual.
+        if (actual_date.eql(requested_date)) {
+            app.projections_as_of_requested = null;
+        }
+
+        const hist_dir = history.deriveHistoryDir(app.allocator, portfolio_path) catch {
+            app.setStatus("Failed to derive history dir — showing live");
+            app.projections_as_of = null;
+            app.projections_as_of_requested = null;
+            break :as_of;
+        };
+        defer app.allocator.free(hist_dir);
+
+        var loaded = history.loadSnapshotAt(app.allocator, hist_dir, actual_date) catch {
+            app.setStatus("Failed to load snapshot — showing live");
+            app.projections_as_of = null;
+            app.projections_as_of_requested = null;
+            break :as_of;
+        };
+        defer loaded.deinit(app.allocator);
+
+        const ctx = view.loadProjectionContextAsOf(
+            app.allocator,
+            portfolio_dir,
+            &loaded.snap,
+            actual_date,
+            app.svc,
+            app.projections_events_enabled,
+        ) catch {
+            app.setStatus("Failed to compute as-of projections — showing live");
+            app.projections_as_of = null;
+            app.projections_as_of_requested = null;
+            break :as_of;
+        };
+
+        app.projections_ctx = ctx;
+        return;
+    }
+
+    // Live path. Reached either because no as-of was requested OR the
+    // as-of branch above bailed and fell through after clearing state.
     const summary = app.portfolio_summary orelse {
         app.setStatus("No portfolio summary — visit Portfolio tab first");
         return;
     };
 
     const portfolio = app.portfolio orelse return;
-    const dir_end = if (std.mem.lastIndexOfScalar(u8, portfolio_path, std.fs.path.sep)) |idx| idx + 1 else 0;
 
     const ctx = view.loadProjectionContext(
         app.allocator,
-        portfolio_path[0..dir_end],
+        portfolio_dir,
         summary.allocations,
         summary.total_value,
         portfolio.totalCash(),
@@ -63,6 +134,50 @@ pub fn loadData(app: *App) void {
     app.projections_ctx = ctx;
 }
 
+/// Resolve the user's requested as-of date against the portfolio's
+/// history directory. Returns the actual date to load (exact match or
+/// nearest-earlier snapshot), or null with a status-bar message if
+/// no usable snapshot exists.
+///
+/// Thin adapter over `history.resolveSnapshotDate` — the shared pure
+/// resolver owns the exact/snap logic; this wrapper maps its errors
+/// to user-visible status-bar messages and handles the arena.
+fn resolveSnapshotDate(app: *App, portfolio_path: []const u8, requested: zfin.Date) ?zfin.Date {
+    var arena_state = std.heap.ArenaAllocator.init(app.allocator);
+    defer arena_state.deinit();
+    const arena = arena_state.allocator();
+
+    const hist_dir = history.deriveHistoryDir(arena, portfolio_path) catch {
+        app.setStatus("Failed to derive history dir");
+        return null;
+    };
+
+    const resolved = history.resolveSnapshotDate(arena, hist_dir, requested) catch |err| switch (err) {
+        error.NoSnapshotAtOrBefore => {
+            var date_buf: [10]u8 = undefined;
+            var status_buf: [128]u8 = undefined;
+            const date_str = requested.format(&date_buf);
+            const msg = std.fmt.bufPrint(&status_buf, "No snapshot at or before {s}", .{date_str}) catch "No snapshot at or before requested date";
+            app.setStatus(msg);
+            return null;
+        },
+        error.OutOfMemory => {
+            app.setStatus("Out of memory resolving snapshot");
+            return null;
+        },
+        else => {
+            app.setStatus("Error accessing snapshot");
+            return null;
+        },
+    };
+
+    if (!resolved.exact) {
+        // Remember the original request for the muted header note.
+        app.projections_as_of_requested = requested;
+    }
+    return resolved.actual;
+}
+
 pub fn freeLoaded(app: *App) void {
     if (app.projections_ctx) |ctx| {
         app.allocator.free(ctx.data.withdrawals);
@@ -509,6 +624,32 @@ pub fn buildStyledLines(app: *App, arena: std.mem.Allocator) ![]const StyledLine
     const config = ctx.config;
     const stock_pct = ctx.stock_pct;
 
+    // As-of indicator — only shown when the tab is displaying a
+    // historical snapshot. Muted header note so it doesn't compete
+    // with the main content. If the user asked for a date that had no
+    // exact snapshot, a second muted line explains the auto-snap.
+    if (app.projections_as_of) |actual| {
+        var actual_buf: [10]u8 = undefined;
+        const actual_str = actual.format(&actual_buf);
+        const header = try std.fmt.allocPrint(arena, "  As-of: {s}  (snapshot)", .{actual_str});
+        try lines.append(arena, .{ .text = header, .style = th.mutedStyle() });
+
+        if (app.projections_as_of_requested) |requested| {
+            if (!requested.eql(actual)) {
+                var req_buf: [10]u8 = undefined;
+                const req_str = requested.format(&req_buf);
+                const diff = requested.days - actual.days;
+                const note = try std.fmt.allocPrint(
+                    arena,
+                    "  (requested {s}; snapped back {d} day{s})",
+                    .{ req_str, diff, fmt.dayPlural(diff) },
+                );
+                try lines.append(arena, .{ .text = note, .style = th.mutedStyle() });
+            }
+        }
+        try lines.append(arena, .{ .text = "", .style = th.contentStyle() });
+    }
+
     // Header
     try lines.append(arena, .{
         .text = "  Benchmark Comparison",
diff --git a/src/views/compare.zig b/src/views/compare.zig
index 3c33db3..cb64b56 100644
--- a/src/views/compare.zig
+++ b/src/views/compare.zig
@@ -90,6 +90,27 @@ pub const TotalsRow = struct {
     style: StyleIntent,
 };
 
+/// Optional attribution breakdown of the liquid delta into
+/// contributions (money in) vs investment gains (market movement).
+///
+/// Populated in both single-date ("vs current") and two-date modes
+/// when the portfolio is git-tracked and both endpoints resolve to
+/// commits via `git.resolveCommitRange`. Silently null when the git
+/// lookup fails (missing repo, untracked file, no commits in range);
+/// the compare view falls back to just the totals + per-symbol table.
+///
+/// Math: `delta = contributions + gains`, so `gains = delta - contributions`.
+/// Signs are preserved: negative contributions (net withdrawal) and
+/// negative gains (market loss) both appear.
+pub const Attribution = struct {
+    /// Sum of new-money contributions plus DRIP reinvestments (what
+    /// `zfin contributions` reports as "money in").
+    contributions: f64,
+    /// `TotalsRow.delta - contributions`. The residual — what the
+    /// market actually did.
+    gains: f64,
+};
+
 /// Complete compare view. `symbols` is caller-owned; call `deinit()`.
 pub const CompareView = struct {
     then_date: Date,
@@ -116,6 +137,10 @@ pub const CompareView = struct {
     /// Symbols present in "then" but not "now" — position closed
     /// between the two dates. Never rendered as rows; shown as a count.
     removed_count: usize,
+    /// Optional contributions-vs-gains breakdown of `liquid.delta`.
+    /// Populated by the CLI from `computeAttribution` when a git repo
+    /// is available; always null in unit-tested / TUI flows.
+    attribution: ?Attribution = null,
 
     pub fn deinit(self: *CompareView, allocator: std.mem.Allocator) void {
         allocator.free(self.symbols);
@@ -575,10 +600,9 @@ pub fn nowLabel(cv: CompareView, buf: *[10]u8) []const u8 {
     return cv.now_date.format(buf);
 }
 
-/// English pluralization for the "(N day[s])" header suffix.
-pub fn dayPlural(n: i32) []const u8 {
-    return if (n == 1) "" else "s";
-}
+/// Re-export of `format.dayPlural` so callers keep a single import.
+/// The canonical implementation lives in `src/format.zig`.
+pub const dayPlural = fmt.dayPlural;
 
 test "buildSymbolRowCells: wires through the right formatters" {
     var p_then: [24]u8 = undefined;
diff --git a/src/views/projections.zig b/src/views/projections.zig
index b9b6438..9a77473 100644
--- a/src/views/projections.zig
+++ b/src/views/projections.zig
@@ -9,6 +9,9 @@ const benchmark = @import("../analytics/benchmark.zig");
 const projections = @import("../analytics/projections.zig");
 const valuation = @import("../analytics/valuation.zig");
 const zfin = @import("../root.zig");
+const snapshot_model = @import("../models/snapshot.zig");
+const history = @import("../history.zig");
+const Date = @import("../models/date.zig").Date;
 
 pub const StyleIntent = fmt.StyleIntent;
 
@@ -223,6 +226,104 @@ pub fn loadProjectionContext(
     cd_value: f64,
     svc: *zfin.DataService,
     events_enabled: bool,
+) !ProjectionContext {
+    return buildContextFromParts(
+        alloc,
+        portfolio_dir,
+        allocations,
+        total_value,
+        cash_value,
+        cd_value,
+        svc,
+        events_enabled,
+        null,
+    );
+}
+
+// ── As-of (historical) projection context ──────────────────────
+//
+// Retrospective projections. Builds a ProjectionContext as if it were
+// a past `as_of` date, using a stored snapshot for portfolio
+// composition and truncating benchmark candle history at `as_of` so
+// trailing returns reflect what was knowable at that moment.
+//
+// The snapshot→allocations aggregation (`SnapshotAllocations` and
+// `aggregateSnapshotAllocations`) lives in `src/history.zig` next to
+// the other snapshot-domain helpers. This module orchestrates the
+// full projection pipeline through `buildContextFromParts`.
+//
+// Known limitation: `projections.srf` and `metadata.srf` are still
+// loaded from the current working copy (git-tracked). This means
+// retirement ages, target allocation, confidence levels, and symbol
+// classifications are all "as of now", not as of the requested date.
+// Documented edge case; see TODO.md.
+
+/// Build a complete `ProjectionContext` as of a historical `as_of_date`.
+///
+/// Mirrors `loadProjectionContext` but sources portfolio composition
+/// from a snapshot instead of the live portfolio file:
+///   - Allocations derived from snapshot's lot rows
+///   - Total value / cash / CD taken from snapshot
+///   - Benchmark candles truncated to <= as_of_date
+///   - Per-symbol trailing returns truncated to <= as_of_date
+///   - Life events resolved against ages-as-of-as_of via
+///     `UserConfig.currentAgesAsOf`
+///
+/// Known as-of limitations (documented):
+///   - `metadata.srf` classifications are current, not historical.
+///     Symbols reclassified since the snapshot use the new class.
+///   - `projections.srf` config (retirement ages, horizons, target
+///     allocation) is current, not historical.
+///   - Per-symbol candles older than ~10yr may be missing from cache,
+///     causing null trailing returns for older windows.
+///
+/// Caller owns the returned context. `snap` must outlive the context
+/// (allocation symbol strings borrow from the snapshot's backing
+/// buffer — see `history.aggregateSnapshotAllocations`).
+pub fn loadProjectionContextAsOf(
+    alloc: std.mem.Allocator,
+    portfolio_dir: []const u8,
+    snap: *const snapshot_model.Snapshot,
+    as_of_date: Date,
+    svc: *zfin.DataService,
+    events_enabled: bool,
+) !ProjectionContext {
+    var snap_allocs = try history.aggregateSnapshotAllocations(alloc, snap);
+    defer snap_allocs.deinit(alloc);
+
+    return buildContextFromParts(
+        alloc,
+        portfolio_dir,
+        snap_allocs.allocations,
+        snap_allocs.total_value,
+        snap_allocs.cash_value,
+        snap_allocs.cd_value,
+        svc,
+        events_enabled,
+        as_of_date,
+    );
+}
+
+/// Shared core: build a `ProjectionContext` from pre-computed
+/// allocations and totals. Both `loadProjectionContext` (live) and
+/// `loadProjectionContextAsOf` (historical) delegate here.
+///
+/// `as_of` gates two behaviors:
+///   - `null` → live mode. Benchmark + per-symbol candles used as-is;
+///     events resolved against current ages (`resolveEvents()`).
+///   - `|d|`  → historical mode. Benchmark + per-symbol candles sliced
+///     to `<= d`; events resolved against ages-as-of-d
+///     (`resolveEventsWithAges(currentAgesAsOf(d))`).
+fn buildContextFromParts(
+    alloc: std.mem.Allocator,
+    portfolio_dir: []const u8,
+    allocations: []const valuation.Allocation,
+    total_value: f64,
+    cash_value: f64,
+    cd_value: f64,
+    svc: *zfin.DataService,
+    events_enabled: bool,
+    as_of: ?Date,
 ) !ProjectionContext {
     // Load projections.srf
     const proj_path = try std.fmt.allocPrint(alloc, "{s}projections.srf", .{portfolio_dir});
@@ -252,25 +353,37 @@ pub fn loadProjectionContext(
         cd_value,
     );
 
-    // Fetch benchmark candles (checks cache first)
+    // Fetch benchmark candles (checks cache first). In historical
+    // mode we slice to `<= as_of` — `performance.trailingReturns`
+    // anchors on the last candle's date, so trimming the tail gives
+    // returns "as of" that date for free.
     const spy_result = svc.getCandles("SPY") catch null;
-    const spy_candles = if (spy_result) |r| r.data else &.{};
-    defer if (spy_result) |r| alloc.free(r.data);
+    defer if (spy_result) |r| r.deinit();
+    const spy_candles = history.sliceCandlesAsOf(
+        if (spy_result) |r| r.data else &.{},
+        as_of,
+    );
+
     const agg_result = svc.getCandles("AGG") catch null;
-    const agg_candles = if (agg_result) |r| r.data else &.{};
-    defer if (agg_result) |r| alloc.free(r.data);
+    defer if (agg_result) |r| r.deinit();
+    const agg_candles = history.sliceCandlesAsOf(
+        if (agg_result) |r| r.data else &.{},
+        as_of,
+    );
 
     const spy_trailing = performance.trailingReturns(spy_candles);
     const agg_trailing = performance.trailingReturns(agg_candles);
     const spy_week = performance.weekReturn(spy_candles);
     const agg_week = performance.weekReturn(agg_candles);
 
-    // Build per-position trailing returns
+    // Build per-position trailing returns from cached candles, each
+    // optionally truncated to the as-of date.
     var pos_returns: std.ArrayListUnmanaged(benchmark.PositionReturn) = .empty;
     defer pos_returns.deinit(alloc);
     for (allocations) |a| {
-        const candles = svc.getCachedCandles(a.symbol) orelse continue;
-        defer alloc.free(candles);
+        const candles_res = svc.getCachedCandles(a.symbol) orelse continue;
+        defer candles_res.deinit();
+        const candles = history.sliceCandlesAsOf(candles_res.data, as_of);
         if (candles.len > 0) {
             try pos_returns.append(alloc, .{
                 .symbol = a.symbol,
@@ -290,11 +403,29 @@ pub fn loadProjectionContext(
         agg_week,
     );
 
-    // Resolve events to simulation years
-    const resolved = config.resolveEvents();
-    const resolved_events = resolved[0..config.event_count];
+    // Event resolution differs by mode:
+    //   - Live: current ages (resolveEvents uses config.currentAges()).
+    //   - As-of: ages-as-of the requested date, so an event at age 67
+    //     that's 17 years from today but 28 years from 2016 resolves
+    //     correctly against the historical reference frame.
+    const resolved_events = if (as_of) |d| blk: {
+        const ages = config.currentAgesAsOf(d);
+        const resolved = config.resolveEventsWithAges(&ages);
+        break :blk resolved[0..config.event_count];
+    } else blk: {
+        const resolved = config.resolveEvents();
+        break :blk resolved[0..config.event_count];
+    };
 
-    return buildProjectionContext(alloc, config, comparison, split.stock_pct, split.bond_pct, total_value, resolved_events);
+    return buildProjectionContext(
+        alloc,
+        config,
+        comparison,
+        split.stock_pct,
+        split.bond_pct,
+        total_value,
+        resolved_events,
+    );
 }
 
 // ── Table row builders (shared by CLI and TUI) ─────────────────