diff --git a/src/Purrse.Api/Services/ChatService.cs b/src/Purrse.Api/Services/ChatService.cs
index f9aae7e..3d3d685 100644
--- a/src/Purrse.Api/Services/ChatService.cs
+++ b/src/Purrse.Api/Services/ChatService.cs
@@ -525,10 +525,16 @@ public class ChatService : IChatService
             if (match != null) categoryId = match.Id;
         }
 
+        // When the AI passes a date-only end date (midnight), bump to end of day
+        // so "2026-02-11" means the entire day, not just midnight.
+        var endDate = ParseDateArg(args, "end_date");
+        if (endDate.HasValue && endDate.Value.TimeOfDay == TimeSpan.Zero)
+            endDate = endDate.Value.Date.AddDays(1).AddTicks(-1);
+
         var searchRequest = new TransactionSearchRequest(
             AccountId: null,
             StartDate: ParseDateArg(args, "start_date"),
-            EndDate: ParseDateArg(args, "end_date"),
+            EndDate: endDate,
             MinAmount: ParseDecimalArg(args, "min_amount"),
             MaxAmount: ParseDecimalArg(args, "max_amount"),
             PayeeName: ParseStringArg(args, "payee_name"),
@@ -555,6 +561,7 @@ public class ChatService : IChatService
     {
         var startDate = ParseDateArg(args, "start_date") ?? new DateTime(DateTime.UtcNow.Year, DateTime.UtcNow.Month, 1, 0, 0, 0, DateTimeKind.Utc);
         var endDate = ParseDateArg(args, "end_date") ?? DateTime.UtcNow;
+        if (endDate.TimeOfDay == TimeSpan.Zero) endDate = endDate.Date.AddDays(1).AddTicks(-1);
 
         var report = await _reportService.GetSpendingByCategoryAsync(userId, startDate, endDate);
 
@@ -572,6 +579,7 @@ public class ChatService : IChatService
     {
         var startDate = ParseDateArg(args, "start_date") ?? DateTime.UtcNow.AddMonths(-6);
         var endDate = ParseDateArg(args, "end_date") ?? DateTime.UtcNow;
+        if (endDate.TimeOfDay == TimeSpan.Zero) endDate = endDate.Date.AddDays(1).AddTicks(-1);
 
         var report = await _reportService.GetIncomeVsExpenseAsync(userId, startDate, endDate);