diff --git a/frontend/src/components/layout/AppLayout.vue b/frontend/src/components/layout/AppLayout.vue
index 5fe39ee..33aa024 100644
--- a/frontend/src/components/layout/AppLayout.vue
+++ b/frontend/src/components/layout/AppLayout.vue
@@ -122,15 +122,16 @@
     </v-container>
   </v-main>
 
-  <ChatPanel />
+  <ChatPanel v-if="isChatEnabled" />
 </template>
 
 <script setup lang="ts">
-import { ref, computed } from 'vue'
+import { ref, computed, onMounted } from 'vue'
 import { useRoute, useRouter } from 'vue-router'
 import { useTheme } from 'vuetify'
 import { useAuthStore } from '@/stores/auth'
 import { useNotifications } from '@/composables/useNotifications'
+import { aiCategorizationApi } from '@/services/aiCategorization'
 import ChatPanel from '@/components/chat/ChatPanel.vue'
 import type { AppNotification } from '@/types'
 
@@ -143,6 +144,17 @@ const authStore = useAuthStore()
 
 const { notifications, unreadCount, markAllAsRead, markAsRead } = useNotifications()
 
+const isChatEnabled = ref(false)
+
+onMounted(async () => {
+  try {
+    const { data } = await aiCategorizationApi.getSettings()
+    isChatEnabled.value = data.isChatEnabled
+  } catch {
+    // Settings not configured — chat stays disabled
+  }
+})
+
 const isDark = computed(() => theme.global.current.value.dark)
 
 const navGroups = [
diff --git a/frontend/src/types/index.ts b/frontend/src/types/index.ts
index 3d6c63e..e206b61 100644
--- a/frontend/src/types/index.ts
+++ b/frontend/src/types/index.ts
@@ -541,6 +541,7 @@ export interface AiCategorizationSettings {
   confidenceThreshold: number
   timeoutSeconds: number
   updatePayeeDefaults: boolean
+  isChatEnabled: boolean
   systemPrompt: string | null
   userPromptTemplate: string | null
   chatContextSize: number
diff --git a/frontend/src/views/settings/SettingsView.vue b/frontend/src/views/settings/SettingsView.vue
index c588958..64ba15d 100644
--- a/frontend/src/views/settings/SettingsView.vue
+++ b/frontend/src/views/settings/SettingsView.vue
@@ -4,7 +4,7 @@
       <v-tab value="profile">Profile</v-tab>
       <v-tab value="connections">Bank Connections</v-tab>
       <v-tab value="history">Sync History</v-tab>
-      <v-tab value="ai">AI Categorization</v-tab>
+      <v-tab value="ai">AI</v-tab>
     </v-tabs>
 
     <v-tabs-window v-model="activeTab" class="mt-4">
@@ -616,24 +616,16 @@
         </v-card>
       </v-tabs-window-item>
 
-      <!-- Tab 4: AI Categorization -->
+      <!-- Tab 4: AI -->
       <v-tabs-window-item value="ai">
         <v-alert type="info" variant="tonal" class="mb-4">
-          AI Categorization uses a local Ollama LLM to automatically categorize transactions when payee matching doesn't produce a category.
-          Ollama runs locally on your machine — no data is sent to external services.
+          AI features use a local Ollama LLM. Ollama runs locally on your machine — no data is sent to external services.
         </v-alert>
 
-        <v-card>
-          <v-card-title>AI Categorization Settings</v-card-title>
+        <!-- Card 1: AI Configuration -->
+        <v-card class="mb-4">
+          <v-card-title>AI Configuration</v-card-title>
           <v-card-text>
-            <v-switch
-              v-model="aiSettings.isEnabled"
-              label="Enable AI Categorization"
-              color="primary"
-              hide-details
-              class="mb-4"
-            />
-
             <v-row dense>
               <v-col cols="12" sm="6">
                 <v-text-field
@@ -656,6 +648,50 @@
               </v-col>
             </v-row>
 
+            <v-btn
+              variant="tonal"
+              color="secondary"
+              :loading="aiTesting"
+              @click="testAiConnection"
+            >
+              Test Connection
+            </v-btn>
+
+            <v-alert
+              v-if="aiTestResult"
+              :type="aiTestResult.success ? 'success' : 'error'"
+              variant="tonal"
+              class="mt-4"
+              closable
+              @click:close="aiTestResult = null"
+            >
+              <template v-if="aiTestResult.success">
+                Connected to Ollama. Available models: {{ aiTestResult.availableModels?.join(', ') || 'none' }}
+              </template>
+              <template v-else>
+                Connection failed: {{ aiTestResult.errorMessage }}
+              </template>
+            </v-alert>
+          </v-card-text>
+        </v-card>
+
+        <!-- Card 2: AI Categorization -->
+        <v-card class="mb-4">
+          <v-card-title>AI Categorization</v-card-title>
+          <v-card-text>
+            <v-switch
+              v-model="aiSettings.isEnabled"
+              label="Enable AI Categorization"
+              color="primary"
+              hide-details
+              class="mb-4"
+              :disabled="!isOllamaConfigured"
+            />
+
+            <v-alert v-if="!isOllamaConfigured" type="warning" variant="tonal" class="mb-4">
+              Configure Ollama connection above to enable AI features
+            </v-alert>
+
             <v-row dense>
               <v-col cols="12" sm="6">
                 <div class="text-body-2 mb-1">Confidence Threshold: {{ aiSettings.confidenceThreshold.toFixed(2) }}</div>
@@ -690,45 +726,9 @@
               class="mb-4"
             />
 
-            <div class="d-flex ga-2">
-              <v-btn
-                color="primary"
-                :loading="aiSaving"
-                @click="saveAiSettings"
-              >
-                Save
-              </v-btn>
-              <v-btn
-                variant="tonal"
-                color="secondary"
-                :loading="aiTesting"
-                @click="testAiConnection"
-              >
-                Test Connection
-              </v-btn>
-            </div>
+            <v-divider class="mb-4" />
 
-            <v-alert
-              v-if="aiTestResult"
-              :type="aiTestResult.success ? 'success' : 'error'"
-              variant="tonal"
-              class="mt-4"
-              closable
-              @click:close="aiTestResult = null"
-            >
-              <template v-if="aiTestResult.success">
-                Connected to Ollama. Available models: {{ aiTestResult.availableModels?.join(', ') || 'none' }}
-              </template>
-              <template v-else>
-                Connection failed: {{ aiTestResult.errorMessage }}
-              </template>
-            </v-alert>
-          </v-card-text>
-        </v-card>
-
-        <v-card class="mt-4">
-          <v-card-title>Prompt Templates</v-card-title>
-          <v-card-text>
+            <div class="text-subtitle-2 mb-2">Prompt Templates</div>
             <p class="text-body-2 text-medium-emphasis mb-4">
               Customize the prompts sent to the AI model. Use placeholders to control where dynamic data is inserted:
               <strong>{categories}</strong> = category list,
@@ -762,9 +762,23 @@
           </v-card-text>
         </v-card>
 
-        <v-card class="mt-4">
-          <v-card-title>AI Chat Settings</v-card-title>
+        <!-- Card 3: AI Chat -->
+        <v-card class="mb-4">
+          <v-card-title>AI Chat</v-card-title>
           <v-card-text>
+            <v-switch
+              v-model="aiSettings.isChatEnabled"
+              label="Enable AI Chat"
+              color="primary"
+              hide-details
+              class="mb-4"
+              :disabled="!isOllamaConfigured"
+            />
+
+            <v-alert v-if="!isOllamaConfigured" type="warning" variant="tonal" class="mb-4">
+              Configure Ollama connection above to enable AI features
+            </v-alert>
+
             <div class="text-body-2 mb-1">Context Size: {{ aiSettings.chatContextSize.toLocaleString() }} tokens</div>
             <v-slider
               v-model="aiSettings.chatContextSize"
@@ -793,8 +807,16 @@
           </v-card-text>
         </v-card>
 
+        <v-btn
+          color="primary"
+          :loading="aiSaving"
+          @click="saveAiSettings"
+        >
+          Save AI Settings
+        </v-btn>
+
         <v-snackbar v-model="showAiSuccess" :timeout="4000" color="success">
-          AI categorization settings saved
+          AI settings saved successfully
         </v-snackbar>
         <v-snackbar v-model="showAiError" :timeout="6000" color="error">
           {{ aiErrorMessage }}
@@ -1335,11 +1357,16 @@ const aiSettings = reactive<AiCategorizationSettings>({
   confidenceThreshold: 0.7,
   timeoutSeconds: 30,
   updatePayeeDefaults: true,
+  isChatEnabled: false,
   systemPrompt: null,
   userPromptTemplate: null,
   chatContextSize: 16384,
   chatBotName: null
 })
+
+const isOllamaConfigured = computed(() =>
+  !!aiSettings.ollamaUrl?.trim() && !!aiSettings.modelName?.trim()
+)
 const aiSaving = ref(false)
 const aiTesting = ref(false)
 const aiTestResult = ref<OllamaConnectionTestResult | null>(null)
diff --git a/src/Purrse.Api/Services/AiCategorizationService.cs b/src/Purrse.Api/Services/AiCategorizationService.cs
index 6d55804..f449bc8 100644
--- a/src/Purrse.Api/Services/AiCategorizationService.cs
+++ b/src/Purrse.Api/Services/AiCategorizationService.cs
@@ -67,13 +67,13 @@ public class AiCategorizationService : IAiCategorizationService
         if (settings == null)
         {
             return new AiCategorizationSettingsResponse(
-                false, "http://localhost:11434", "llama3.1:8b", 0.7, 30, true, null, null, 16384, null);
+                false, "http://localhost:11434", "llama3.1:8b", 0.7, 30, true, false, null, null, 16384, null);
         }
 
         return new AiCategorizationSettingsResponse(
             settings.IsEnabled, settings.OllamaUrl, settings.ModelName,
             settings.ConfidenceThreshold, settings.TimeoutSeconds, settings.UpdatePayeeDefaults,
-            settings.SystemPrompt, settings.UserPromptTemplate,
+            settings.IsChatEnabled, settings.SystemPrompt, settings.UserPromptTemplate,
             settings.ChatContextSize, settings.ChatBotName);
     }
 
@@ -97,6 +97,7 @@ public class AiCategorizationService : IAiCategorizationService
         settings.ConfidenceThreshold = request.ConfidenceThreshold;
         settings.TimeoutSeconds = request.TimeoutSeconds;
         settings.UpdatePayeeDefaults = request.UpdatePayeeDefaults;
+        settings.IsChatEnabled = request.IsChatEnabled;
         settings.SystemPrompt = string.IsNullOrWhiteSpace(request.SystemPrompt) ? null : request.SystemPrompt;
         settings.UserPromptTemplate = string.IsNullOrWhiteSpace(request.UserPromptTemplate) ? null : request.UserPromptTemplate;
         settings.ChatContextSize = request.ChatContextSize;
@@ -108,7 +109,7 @@ public class AiCategorizationService : IAiCategorizationService
         return new AiCategorizationSettingsResponse(
             settings.IsEnabled, settings.OllamaUrl, settings.ModelName,
             settings.ConfidenceThreshold, settings.TimeoutSeconds, settings.UpdatePayeeDefaults,
-            settings.SystemPrompt, settings.UserPromptTemplate,
+            settings.IsChatEnabled, settings.SystemPrompt, settings.UserPromptTemplate,
             settings.ChatContextSize, settings.ChatBotName);
     }
 
diff --git a/src/Purrse.Core/DTOs/AiCategorizationDtos.cs b/src/Purrse.Core/DTOs/AiCategorizationDtos.cs
index 4a45702..36c6e9d 100644
--- a/src/Purrse.Core/DTOs/AiCategorizationDtos.cs
+++ b/src/Purrse.Core/DTOs/AiCategorizationDtos.cs
@@ -10,6 +10,7 @@ public record AiCategorizationSettingsResponse(
     double ConfidenceThreshold,
     int TimeoutSeconds,
     bool UpdatePayeeDefaults,
+    bool IsChatEnabled,
     string? SystemPrompt,
     string? UserPromptTemplate,
     int ChatContextSize,
@@ -22,6 +23,7 @@ public record UpdateAiCategorizationSettingsRequest(
     double ConfidenceThreshold,
     int TimeoutSeconds,
     bool UpdatePayeeDefaults,
+    bool IsChatEnabled,
     string? SystemPrompt,
     string? UserPromptTemplate,
     int ChatContextSize,
diff --git a/src/Purrse.Core/Models/AiCategorizationSettings.cs b/src/Purrse.Core/Models/AiCategorizationSettings.cs
index 5f74ec0..13ca0dc 100644
--- a/src/Purrse.Core/Models/AiCategorizationSettings.cs
+++ b/src/Purrse.Core/Models/AiCategorizationSettings.cs
@@ -10,6 +10,7 @@ public class AiCategorizationSettings
     public double ConfidenceThreshold { get; set; } = 0.7;
     public int TimeoutSeconds { get; set; } = 30;
     public bool UpdatePayeeDefaults { get; set; } = true;
+    public bool IsChatEnabled { get; set; }
     public string? SystemPrompt { get; set; }
     public string? UserPromptTemplate { get; set; }
     public int ChatContextSize { get; set; } = 16384;
diff --git a/src/Purrse.Data/Migrations/20260216044806_AddIsChatEnabled.Designer.cs b/src/Purrse.Data/Migrations/20260216044806_AddIsChatEnabled.Designer.cs
new file mode 100644
index 0000000..07f3fe6
--- /dev/null
+++ b/src/Purrse.Data/Migrations/20260216044806_AddIsChatEnabled.Designer.cs
@@ -0,0 +1,1573 @@
+// <auto-generated />
+using System;
+using Microsoft.EntityFrameworkCore;
+using Microsoft.EntityFrameworkCore.Infrastructure;
+using Microsoft.EntityFrameworkCore.Migrations;
+using Microsoft.EntityFrameworkCore.Storage.ValueConversion;
+using Npgsql.EntityFrameworkCore.PostgreSQL.Metadata;
+using Purrse.Data;
+
+#nullable disable
+
+namespace Purrse.Data.Migrations
+{
+    [DbContext(typeof(PurrseDbContext))]
+    [Migration("20260216044806_AddIsChatEnabled")]
+    partial class AddIsChatEnabled
+    {
+        /// <inheritdoc />
+        protected override void BuildTargetModel(ModelBuilder modelBuilder)
+        {
+#pragma warning disable 612, 618
+            modelBuilder
+                .HasAnnotation("ProductVersion", "9.0.6")
+                .HasAnnotation("Relational:MaxIdentifierLength", 63);
+
+            NpgsqlModelBuilderExtensions.UseIdentityByDefaultColumns(modelBuilder);
+
+            modelBuilder.Entity("Purrse.Core.Models.Account", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("AccountNumber")
+                        .HasMaxLength(50)
+                        .HasColumnType("character varying(50)");
+
+                    b.Property<decimal>("Balance")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<decimal?>("CreditLimit")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<string>("Institution")
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<decimal?>("InterestRate")
+                        .HasPrecision(8, 4)
+                        .HasColumnType("numeric(8,4)");
+
+                    b.Property<bool>("IsActive")
+                        .HasColumnType("boolean");
+
+                    b.Property<bool>("IsClosed")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("Name")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<string>("Notes")
+                        .HasMaxLength(1000)
+                        .HasColumnType("character varying(1000)");
+
+                    b.Property<int>("SortOrder")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("Type")
+                        .HasColumnType("integer");
+
+                    b.Property<DateTime>("UpdatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("UserId");
+
+                    b.ToTable("accounts", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.AiCategorizationSettings", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("ChatBotName")
+                        .HasMaxLength(100)
+                        .HasColumnType("character varying(100)");
+
+                    b.Property<int>("ChatContextSize")
+                        .HasColumnType("integer");
+
+                    b.Property<double>("ConfidenceThreshold")
+                        .HasColumnType("double precision");
+
+                    b.Property<bool>("IsChatEnabled")
+                        .HasColumnType("boolean");
+
+                    b.Property<bool>("IsEnabled")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("ModelName")
+                        .IsRequired()
+                        .HasMaxLength(100)
+                        .HasColumnType("character varying(100)");
+
+                    b.Property<string>("OllamaUrl")
+                        .IsRequired()
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<string>("SystemPrompt")
+                        .HasMaxLength(4000)
+                        .HasColumnType("character varying(4000)");
+
+                    b.Property<int>("TimeoutSeconds")
+                        .HasColumnType("integer");
+
+                    b.Property<bool>("UpdatePayeeDefaults")
+                        .HasColumnType("boolean");
+
+                    b.Property<DateTime>("UpdatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("UserPromptTemplate")
+                        .HasMaxLength(4000)
+                        .HasColumnType("character varying(4000)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("UserId")
+                        .IsUnique();
+
+                    b.ToTable("ai_categorization_settings", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.AmortizationEntry", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal?>("EscrowAmount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<decimal>("InterestAmount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<Guid>("LoanDetailId")
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal>("PaymentAmount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<DateTime>("PaymentDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<int>("PaymentNumber")
+                        .HasColumnType("integer");
+
+                    b.Property<decimal>("PrincipalAmount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<decimal>("RemainingBalance")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("LoanDetailId");
+
+                    b.ToTable("amortization_entries", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.BankSyncSettings", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("EncryptedPlaidClientId")
+                        .HasColumnType("text");
+
+                    b.Property<string>("EncryptedPlaidSecret")
+                        .HasColumnType("text");
+
+                    b.Property<string>("PlaidEnvironment")
+                        .IsRequired()
+                        .HasMaxLength(20)
+                        .HasColumnType("character varying(20)");
+
+                    b.Property<DateTime>("UpdatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("UserId")
+                        .IsUnique();
+
+                    b.ToTable("bank_sync_settings", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Budget", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<int>("Month")
+                        .HasColumnType("integer");
+
+                    b.Property<string>("Notes")
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.Property<int>("Year")
+                        .HasColumnType("integer");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("UserId", "Year", "Month")
+                        .IsUnique();
+
+                    b.ToTable("budgets", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.BudgetItem", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("BudgetId")
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal>("BudgetedAmount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<Guid>("CategoryId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("BudgetId");
+
+                    b.HasIndex("CategoryId");
+
+                    b.ToTable("budget_items", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Category", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<bool>("IsActive")
+                        .HasColumnType("boolean");
+
+                    b.Property<bool>("IsSystem")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("Name")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<Guid?>("ParentId")
+                        .HasColumnType("uuid");
+
+                    b.Property<int>("SortOrder")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("Type")
+                        .HasColumnType("integer");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("ParentId");
+
+                    b.HasIndex("UserId", "Name", "ParentId")
+                        .IsUnique();
+
+                    b.ToTable("categories", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ChatConversation", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("Title")
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<DateTime>("UpdatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("UserId");
+
+                    b.ToTable("chat_conversations", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ChatMessage", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("Content")
+                        .IsRequired()
+                        .HasColumnType("text");
+
+                    b.Property<Guid>("ConversationId")
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("Role")
+                        .IsRequired()
+                        .HasMaxLength(20)
+                        .HasColumnType("character varying(20)");
+
+                    b.Property<string>("ToolCallsJson")
+                        .HasColumnType("text");
+
+                    b.Property<string>("ToolResultJson")
+                        .HasColumnType("text");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("ConversationId");
+
+                    b.ToTable("chat_messages", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ImportBatch", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<int>("DuplicateCount")
+                        .HasColumnType("integer");
+
+                    b.Property<string>("FileName")
+                        .IsRequired()
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<string>("FileType")
+                        .IsRequired()
+                        .HasMaxLength(50)
+                        .HasColumnType("character varying(50)");
+
+                    b.Property<DateTime>("ImportedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<int>("ImportedCount")
+                        .HasColumnType("integer");
+
+                    b.Property<string>("ParsedDataJson")
+                        .HasColumnType("text");
+
+                    b.Property<int>("SkippedCount")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("Status")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("TotalCount")
+                        .HasColumnType("integer");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId");
+
+                    b.HasIndex("UserId");
+
+                    b.ToTable("import_batches", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.InvestmentHolding", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("AsOfDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<decimal>("CostBasis")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<Guid>("SecurityId")
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal>("Shares")
+                        .HasPrecision(18, 6)
+                        .HasColumnType("numeric(18,6)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId");
+
+                    b.HasIndex("SecurityId");
+
+                    b.ToTable("investment_holdings", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.LinkedAccount", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid?>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("ExternalAccountId")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<string>("ExternalAccountMask")
+                        .HasMaxLength(20)
+                        .HasColumnType("character varying(20)");
+
+                    b.Property<string>("ExternalAccountName")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<string>("ExternalAccountType")
+                        .HasMaxLength(50)
+                        .HasColumnType("character varying(50)");
+
+                    b.Property<bool>("IsEnabled")
+                        .HasColumnType("boolean");
+
+                    b.Property<decimal?>("LastKnownBalance")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<DateTime?>("LastSyncAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid>("SyncConnectionId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId");
+
+                    b.HasIndex("SyncConnectionId", "ExternalAccountId")
+                        .IsUnique();
+
+                    b.ToTable("linked_accounts", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.LoanDetail", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal?>("EscrowAmount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<decimal?>("ExtraPayment")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<decimal>("InterestRate")
+                        .HasPrecision(8, 4)
+                        .HasColumnType("numeric(8,4)");
+
+                    b.Property<DateTime>("MaturityDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<decimal>("MonthlyPayment")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<decimal>("OriginalBalance")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<DateTime>("OriginationDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<int>("TermMonths")
+                        .HasColumnType("integer");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId")
+                        .IsUnique();
+
+                    b.ToTable("loan_details", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Payee", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid?>("DefaultCategoryId")
+                        .HasColumnType("uuid");
+
+                    b.Property<bool>("IsActive")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("Name")
+                        .IsRequired()
+                        .HasMaxLength(300)
+                        .HasColumnType("character varying(300)");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("DefaultCategoryId");
+
+                    b.HasIndex("UserId", "Name")
+                        .IsUnique();
+
+                    b.ToTable("payees", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.PayeeAlias", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("Alias")
+                        .IsRequired()
+                        .HasMaxLength(300)
+                        .HasColumnType("character varying(300)");
+
+                    b.Property<Guid>("PayeeId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("Alias");
+
+                    b.HasIndex("PayeeId");
+
+                    b.ToTable("payee_aliases", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.PluginConfiguration", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("Key")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<Guid>("PluginRegistrationId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("Value")
+                        .IsRequired()
+                        .HasMaxLength(2000)
+                        .HasColumnType("character varying(2000)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("PluginRegistrationId", "Key")
+                        .IsUnique();
+
+                    b.ToTable("plugin_configurations", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.PluginRegistration", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("EntryAssembly")
+                        .IsRequired()
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<string>("EntryType")
+                        .IsRequired()
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<DateTime>("InstalledAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<bool>("IsEnabled")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("Name")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<string>("PluginId")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<string>("Version")
+                        .IsRequired()
+                        .HasMaxLength(50)
+                        .HasColumnType("character varying(50)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("PluginId")
+                        .IsUnique();
+
+                    b.ToTable("plugin_registrations", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Reconciliation", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime?>("CompletedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<bool>("IsCompleted")
+                        .HasColumnType("boolean");
+
+                    b.Property<decimal>("StatementBalance")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<DateTime>("StatementDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId");
+
+                    b.ToTable("reconciliations", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ScheduledTransaction", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal>("Amount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<bool>("AutoPost")
+                        .HasColumnType("boolean");
+
+                    b.Property<Guid?>("CategoryId")
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<DateTime?>("EndDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<int>("Frequency")
+                        .HasColumnType("integer");
+
+                    b.Property<bool>("IsActive")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("Memo")
+                        .HasMaxLength(1000)
+                        .HasColumnType("character varying(1000)");
+
+                    b.Property<DateTime>("NextDueDate")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid?>("PayeeId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("PayeeName")
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<int>("ReminderDaysBefore")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("Type")
+                        .HasColumnType("integer");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId");
+
+                    b.HasIndex("CategoryId");
+
+                    b.HasIndex("PayeeId");
+
+                    b.HasIndex("UserId");
+
+                    b.ToTable("scheduled_transactions", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Security", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("Name")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<string>("SecurityType")
+                        .HasMaxLength(50)
+                        .HasColumnType("character varying(50)");
+
+                    b.Property<string>("Symbol")
+                        .IsRequired()
+                        .HasMaxLength(20)
+                        .HasColumnType("character varying(20)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("Symbol")
+                        .IsUnique();
+
+                    b.ToTable("securities", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SecurityPrice", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("Date")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<decimal>("Price")
+                        .HasPrecision(18, 4)
+                        .HasColumnType("numeric(18,4)");
+
+                    b.Property<Guid>("SecurityId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("SecurityId", "Date")
+                        .IsUnique();
+
+                    b.ToTable("security_prices", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SyncConnection", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("EncryptedAccessToken")
+                        .IsRequired()
+                        .HasColumnType("text");
+
+                    b.Property<string>("InstitutionId")
+                        .HasMaxLength(100)
+                        .HasColumnType("character varying(100)");
+
+                    b.Property<string>("InstitutionName")
+                        .IsRequired()
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<bool>("IsActive")
+                        .HasColumnType("boolean");
+
+                    b.Property<DateTime?>("LastSyncAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("LastSyncError")
+                        .HasMaxLength(2000)
+                        .HasColumnType("character varying(2000)");
+
+                    b.Property<string>("PlaidItemId")
+                        .HasMaxLength(200)
+                        .HasColumnType("character varying(200)");
+
+                    b.Property<int>("Provider")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("SyncIntervalMinutes")
+                        .HasColumnType("integer");
+
+                    b.Property<DateTime>("UpdatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<Guid>("UserId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("PlaidItemId");
+
+                    b.HasIndex("UserId");
+
+                    b.ToTable("sync_connections", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SyncLog", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime?>("CompletedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<TimeSpan?>("Duration")
+                        .HasColumnType("interval");
+
+                    b.Property<string>("ErrorMessage")
+                        .HasMaxLength(2000)
+                        .HasColumnType("character varying(2000)");
+
+                    b.Property<Guid?>("LinkedAccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("StartedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<int>("Status")
+                        .HasColumnType("integer");
+
+                    b.Property<Guid>("SyncConnectionId")
+                        .HasColumnType("uuid");
+
+                    b.Property<int>("TransactionsFetched")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("TransactionsImported")
+                        .HasColumnType("integer");
+
+                    b.Property<int>("TransactionsSkipped")
+                        .HasColumnType("integer");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("LinkedAccountId");
+
+                    b.HasIndex("StartedAt");
+
+                    b.HasIndex("SyncConnectionId");
+
+                    b.ToTable("sync_logs", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Transaction", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<Guid>("AccountId")
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal>("Amount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<Guid?>("CategoryId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("CheckNumber")
+                        .HasMaxLength(20)
+                        .HasColumnType("character varying(20)");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<DateTime>("Date")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("Fingerprint")
+                        .HasMaxLength(64)
+                        .HasColumnType("character varying(64)");
+
+                    b.Property<string>("FitId")
+                        .HasMaxLength(255)
+                        .HasColumnType("character varying(255)");
+
+                    b.Property<Guid?>("ImportBatchId")
+                        .HasColumnType("uuid");
+
+                    b.Property<bool>("IsVoid")
+                        .HasColumnType("boolean");
+
+                    b.Property<string>("Memo")
+                        .HasMaxLength(1000)
+                        .HasColumnType("character varying(1000)");
+
+                    b.Property<Guid?>("PayeeId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("PayeeName")
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<Guid?>("ReconciliationId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("ReferenceNumber")
+                        .HasMaxLength(100)
+                        .HasColumnType("character varying(100)");
+
+                    b.Property<int>("Status")
+                        .HasColumnType("integer");
+
+                    b.Property<Guid?>("TransferTransactionId")
+                        .HasColumnType("uuid");
+
+                    b.Property<int>("Type")
+                        .HasColumnType("integer");
+
+                    b.Property<DateTime>("UpdatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("AccountId");
+
+                    b.HasIndex("CategoryId");
+
+                    b.HasIndex("Date");
+
+                    b.HasIndex("Fingerprint");
+
+                    b.HasIndex("FitId");
+
+                    b.HasIndex("ImportBatchId");
+
+                    b.HasIndex("PayeeId");
+
+                    b.HasIndex("ReconciliationId");
+
+                    b.HasIndex("TransferTransactionId")
+                        .IsUnique();
+
+                    b.ToTable("transactions", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.TransactionSplit", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<decimal>("Amount")
+                        .HasPrecision(18, 2)
+                        .HasColumnType("numeric(18,2)");
+
+                    b.Property<Guid?>("CategoryId")
+                        .HasColumnType("uuid");
+
+                    b.Property<string>("Memo")
+                        .HasMaxLength(500)
+                        .HasColumnType("character varying(500)");
+
+                    b.Property<Guid>("TransactionId")
+                        .HasColumnType("uuid");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("CategoryId");
+
+                    b.HasIndex("TransactionId");
+
+                    b.ToTable("transaction_splits", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.User", b =>
+                {
+                    b.Property<Guid>("Id")
+                        .ValueGeneratedOnAdd()
+                        .HasColumnType("uuid");
+
+                    b.Property<DateTime>("CreatedAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("DisplayName")
+                        .HasMaxLength(100)
+                        .HasColumnType("character varying(100)");
+
+                    b.Property<string>("Email")
+                        .IsRequired()
+                        .HasMaxLength(255)
+                        .HasColumnType("character varying(255)");
+
+                    b.Property<DateTime?>("LastLoginAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("PasswordHash")
+                        .IsRequired()
+                        .HasMaxLength(255)
+                        .HasColumnType("character varying(255)");
+
+                    b.Property<string>("RefreshToken")
+                        .HasColumnType("text");
+
+                    b.Property<DateTime?>("RefreshTokenExpiresAt")
+                        .HasColumnType("timestamp with time zone");
+
+                    b.Property<string>("Username")
+                        .IsRequired()
+                        .HasMaxLength(100)
+                        .HasColumnType("character varying(100)");
+
+                    b.HasKey("Id");
+
+                    b.HasIndex("Email")
+                        .IsUnique();
+
+                    b.HasIndex("Username")
+                        .IsUnique();
+
+                    b.ToTable("users", (string)null);
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Account", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany("Accounts")
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.AiCategorizationSettings", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithOne("AiCategorizationSettings")
+                        .HasForeignKey("Purrse.Core.Models.AiCategorizationSettings", "UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.AmortizationEntry", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.LoanDetail", "LoanDetail")
+                        .WithMany("AmortizationEntries")
+                        .HasForeignKey("LoanDetailId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("LoanDetail");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.BankSyncSettings", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithOne("BankSyncSettings")
+                        .HasForeignKey("Purrse.Core.Models.BankSyncSettings", "UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Budget", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany()
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.BudgetItem", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Budget", "Budget")
+                        .WithMany("Items")
+                        .HasForeignKey("BudgetId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.HasOne("Purrse.Core.Models.Category", "Category")
+                        .WithMany("BudgetItems")
+                        .HasForeignKey("CategoryId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Budget");
+
+                    b.Navigation("Category");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Category", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Category", "Parent")
+                        .WithMany("Children")
+                        .HasForeignKey("ParentId")
+                        .OnDelete(DeleteBehavior.Restrict);
+
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany()
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Parent");
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ChatConversation", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany()
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ChatMessage", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.ChatConversation", "Conversation")
+                        .WithMany("Messages")
+                        .HasForeignKey("ConversationId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Conversation");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ImportBatch", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithMany()
+                        .HasForeignKey("AccountId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany()
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Account");
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.InvestmentHolding", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithMany("InvestmentHoldings")
+                        .HasForeignKey("AccountId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.HasOne("Purrse.Core.Models.Security", "Security")
+                        .WithMany("Holdings")
+                        .HasForeignKey("SecurityId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Account");
+
+                    b.Navigation("Security");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.LinkedAccount", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithMany("LinkedAccounts")
+                        .HasForeignKey("AccountId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.SyncConnection", "SyncConnection")
+                        .WithMany("LinkedAccounts")
+                        .HasForeignKey("SyncConnectionId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Account");
+
+                    b.Navigation("SyncConnection");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.LoanDetail", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithOne("LoanDetail")
+                        .HasForeignKey("Purrse.Core.Models.LoanDetail", "AccountId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Account");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Payee", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Category", "DefaultCategory")
+                        .WithMany()
+                        .HasForeignKey("DefaultCategoryId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany()
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("DefaultCategory");
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.PayeeAlias", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Payee", "Payee")
+                        .WithMany("Aliases")
+                        .HasForeignKey("PayeeId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Payee");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.PluginConfiguration", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.PluginRegistration", "PluginRegistration")
+                        .WithMany("Configurations")
+                        .HasForeignKey("PluginRegistrationId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("PluginRegistration");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Reconciliation", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithMany("Reconciliations")
+                        .HasForeignKey("AccountId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Account");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ScheduledTransaction", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithMany()
+                        .HasForeignKey("AccountId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.HasOne("Purrse.Core.Models.Category", "Category")
+                        .WithMany()
+                        .HasForeignKey("CategoryId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.Payee", "Payee")
+                        .WithMany()
+                        .HasForeignKey("PayeeId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany()
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Account");
+
+                    b.Navigation("Category");
+
+                    b.Navigation("Payee");
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SecurityPrice", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Security", "Security")
+                        .WithMany("Prices")
+                        .HasForeignKey("SecurityId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Security");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SyncConnection", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.User", "User")
+                        .WithMany("SyncConnections")
+                        .HasForeignKey("UserId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("User");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SyncLog", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.LinkedAccount", "LinkedAccount")
+                        .WithMany()
+                        .HasForeignKey("LinkedAccountId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.SyncConnection", "SyncConnection")
+                        .WithMany("SyncLogs")
+                        .HasForeignKey("SyncConnectionId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("LinkedAccount");
+
+                    b.Navigation("SyncConnection");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Transaction", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Account", "Account")
+                        .WithMany("Transactions")
+                        .HasForeignKey("AccountId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.HasOne("Purrse.Core.Models.Category", "Category")
+                        .WithMany("Transactions")
+                        .HasForeignKey("CategoryId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.ImportBatch", "ImportBatch")
+                        .WithMany("Transactions")
+                        .HasForeignKey("ImportBatchId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.Payee", "Payee")
+                        .WithMany("Transactions")
+                        .HasForeignKey("PayeeId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.Reconciliation", "Reconciliation")
+                        .WithMany("Transactions")
+                        .HasForeignKey("ReconciliationId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.Transaction", "TransferTransaction")
+                        .WithOne()
+                        .HasForeignKey("Purrse.Core.Models.Transaction", "TransferTransactionId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.Navigation("Account");
+
+                    b.Navigation("Category");
+
+                    b.Navigation("ImportBatch");
+
+                    b.Navigation("Payee");
+
+                    b.Navigation("Reconciliation");
+
+                    b.Navigation("TransferTransaction");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.TransactionSplit", b =>
+                {
+                    b.HasOne("Purrse.Core.Models.Category", "Category")
+                        .WithMany()
+                        .HasForeignKey("CategoryId")
+                        .OnDelete(DeleteBehavior.SetNull);
+
+                    b.HasOne("Purrse.Core.Models.Transaction", "Transaction")
+                        .WithMany("Splits")
+                        .HasForeignKey("TransactionId")
+                        .OnDelete(DeleteBehavior.Cascade)
+                        .IsRequired();
+
+                    b.Navigation("Category");
+
+                    b.Navigation("Transaction");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Account", b =>
+                {
+                    b.Navigation("InvestmentHoldings");
+
+                    b.Navigation("LinkedAccounts");
+
+                    b.Navigation("LoanDetail");
+
+                    b.Navigation("Reconciliations");
+
+                    b.Navigation("Transactions");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Budget", b =>
+                {
+                    b.Navigation("Items");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Category", b =>
+                {
+                    b.Navigation("BudgetItems");
+
+                    b.Navigation("Children");
+
+                    b.Navigation("Transactions");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ChatConversation", b =>
+                {
+                    b.Navigation("Messages");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.ImportBatch", b =>
+                {
+                    b.Navigation("Transactions");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.LoanDetail", b =>
+                {
+                    b.Navigation("AmortizationEntries");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Payee", b =>
+                {
+                    b.Navigation("Aliases");
+
+                    b.Navigation("Transactions");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.PluginRegistration", b =>
+                {
+                    b.Navigation("Configurations");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Reconciliation", b =>
+                {
+                    b.Navigation("Transactions");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Security", b =>
+                {
+                    b.Navigation("Holdings");
+
+                    b.Navigation("Prices");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.SyncConnection", b =>
+                {
+                    b.Navigation("LinkedAccounts");
+
+                    b.Navigation("SyncLogs");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.Transaction", b =>
+                {
+                    b.Navigation("Splits");
+                });
+
+            modelBuilder.Entity("Purrse.Core.Models.User", b =>
+                {
+                    b.Navigation("Accounts");
+
+                    b.Navigation("AiCategorizationSettings");
+
+                    b.Navigation("BankSyncSettings");
+
+                    b.Navigation("SyncConnections");
+                });
+#pragma warning restore 612, 618
+        }
+    }
+}
diff --git a/src/Purrse.Data/Migrations/20260216044806_AddIsChatEnabled.cs b/src/Purrse.Data/Migrations/20260216044806_AddIsChatEnabled.cs
new file mode 100644
index 0000000..d4514d6
--- /dev/null
+++ b/src/Purrse.Data/Migrations/20260216044806_AddIsChatEnabled.cs
@@ -0,0 +1,29 @@
+using Microsoft.EntityFrameworkCore.Migrations;
+
+#nullable disable
+
+namespace Purrse.Data.Migrations
+{
+    /// <inheritdoc />
+    public partial class AddIsChatEnabled : Migration
+    {
+        /// <inheritdoc />
+        protected override void Up(MigrationBuilder migrationBuilder)
+        {
+            migrationBuilder.AddColumn<bool>(
+                name: "IsChatEnabled",
+                table: "ai_categorization_settings",
+                type: "boolean",
+                nullable: false,
+                defaultValue: false);
+        }
+
+        /// <inheritdoc />
+        protected override void Down(MigrationBuilder migrationBuilder)
+        {
+            migrationBuilder.DropColumn(
+                name: "IsChatEnabled",
+                table: "ai_categorization_settings");
+        }
+    }
+}
diff --git a/src/Purrse.Data/Migrations/PurrseDbContextModelSnapshot.cs b/src/Purrse.Data/Migrations/PurrseDbContextModelSnapshot.cs
index ebfed8a..6a98c3d 100644
--- a/src/Purrse.Data/Migrations/PurrseDbContextModelSnapshot.cs
+++ b/src/Purrse.Data/Migrations/PurrseDbContextModelSnapshot.cs
@@ -101,6 +101,9 @@ namespace Purrse.Data.Migrations
                     b.Property<double>("ConfidenceThreshold")
                         .HasColumnType("double precision");
 
+                    b.Property<bool>("IsChatEnabled")
+                        .HasColumnType("boolean");
+
                     b.Property<bool>("IsEnabled")
                         .HasColumnType("boolean");