diff --git a/app.js b/app.js
index 502e039..c7c0d40 100644
--- a/app.js
+++ b/app.js
@@ -34,12 +34,14 @@ const indexRouter = require('./routes/index');
 const adminRouter = require('./routes/admin');
 const apiRouter = require('./routes/api');
 const billingRouter = require('./routes/billing');
+const financeRouter = require('./routes/finance');
 const cron = require('node-cron');
 
 app.use('/', indexRouter);
 app.use('/admin', adminRouter);
 app.use('/api', apiRouter);
 app.use('/admin/billing', billingRouter);
+app.use('/admin/finance', financeRouter);
 
 // 404 Handler
 app.use((req, res) => {
diff --git a/public/css/style.css b/public/css/style.css
index 4d6a27a..aaac667 100644
--- a/public/css/style.css
+++ b/public/css/style.css
@@ -1169,3 +1169,82 @@ body:not(.admin-body) > * {
   top: 0;
   z-index: 1;
 }
+
+/* ================================================
+   FINANZÜBERSICHT
+   ================================================ */
+.finance-title { font-size:1.8rem; font-weight:800; margin-bottom:20px; }
+
+.finance-kpi-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
+  gap: 14px;
+  margin-bottom: 28px;
+}
+.kpi-card {
+  border-radius: 14px;
+  padding: 18px 20px;
+  border: 1.5px solid var(--border);
+  background: white;
+}
+.kpi-label { font-size:0.75rem; font-weight:700; text-transform:uppercase; letter-spacing:0.5px; margin-bottom:8px; }
+.kpi-value { font-size:1.7rem; font-weight:800; margin-bottom:4px; }
+.kpi-sub   { font-size:0.78rem; color:var(--text-muted); }
+.kpi-blue   .kpi-value { color: var(--primary); }
+.kpi-red    .kpi-value { color: var(--error); }
+.kpi-orange .kpi-value { color: var(--warning); }
+.kpi-purple .kpi-value { color: #7c3aed; }
+.kpi-green  .kpi-value { color: var(--success); }
+.kpi-yellow .kpi-value { color: #b45309; }
+
+/* Tabs */
+.finance-tabs {
+  display: flex;
+  gap: 4px;
+  border-bottom: 2px solid var(--border);
+  margin-bottom: 20px;
+  flex-wrap: wrap;
+}
+.ftab {
+  padding: 10px 16px;
+  background: none;
+  border: none;
+  border-bottom: 2px solid transparent;
+  margin-bottom: -2px;
+  font-family: 'Outfit', sans-serif;
+  font-size: 0.88rem;
+  font-weight: 600;
+  color: var(--text-muted);
+  cursor: pointer;
+  transition: all 0.15s;
+  white-space: nowrap;
+}
+.ftab:hover  { color: var(--text); }
+.ftab.active { color: var(--primary); border-bottom-color: var(--primary); }
+
+.ftab-content        { display: none; }
+.ftab-content.active { display: block; }
+
+.finance-card {
+  background: white;
+  border: 1.5px solid var(--border);
+  border-radius: 14px;
+  padding: 24px;
+  margin-bottom: 16px;
+}
+.finance-card h3 {
+  font-size: 1rem;
+  font-weight: 700;
+  margin-bottom: 16px;
+}
+
+/* Auslaufende Verträge */
+.expiry-badge {
+  padding: 3px 10px;
+  border-radius: 20px;
+  font-size: 0.8rem;
+  font-weight: 700;
+}
+.expiry-urgent  { background:#fee2e2; color:var(--error); }
+.expiry-warning { background:#fffbeb; color:var(--warning); }
+.expiry-normal  { background:#f0fdf4; color:var(--success); }
diff --git a/routes/finance.js b/routes/finance.js
new file mode 100644
index 0000000..db58ec6
--- /dev/null
+++ b/routes/finance.js
@@ -0,0 +1,243 @@
+const express = require('express');
+const router = express.Router();
+const db = require('../config/database');
+const { requireAdmin } = require('../middleware/auth');
+
+// ============================================
+// GET /admin/finance – Übersicht
+// ============================================
+router.get('/', requireAdmin, async (req, res) => {
+  try {
+    // Mahngebühr aus Einstellungen
+    const [settingRows] = await db.query("SELECT value FROM settings WHERE key_name='dunning_fee'");
+    const dunningFee = settingRows.length ? parseFloat(settingRows[0].value) : 7.50;
+
+    // Gesamtumsatz
+    const [totalRevenue] = await db.query(`
+      SELECT 
+        COALESCE(SUM(CASE WHEN status='paid' THEN amount ELSE 0 END), 0) as paid_total,
+        COALESCE(SUM(CASE WHEN status='open' THEN amount ELSE 0 END), 0) as open_total,
+        COALESCE(SUM(amount), 0) as gross_total,
+        COUNT(*) as invoice_count
+      FROM invoices
+    `);
+
+    // Monatlicher Umsatz (letzte 12 Monate)
+    const [monthlyRevenue] = await db.query(`
+      SELECT 
+        CONVERT(period USING utf8mb4) as period,
+        SUM(CASE WHEN status='paid' THEN amount ELSE 0 END) as paid,
+        SUM(CASE WHEN status='open' THEN amount ELSE 0 END) as open_amount,
+        SUM(amount) as total,
+        COUNT(*) as count
+      FROM invoices
+      GROUP BY CONVERT(period USING utf8mb4)
+      ORDER BY period DESC
+      LIMIT 12
+    `);
+
+    // Offene Posten
+    const [openInvoices] = await db.query(`
+      SELECT i.*, m.first_name, m.last_name, m.email, m.phone,
+             t.name as tariff_name
+      FROM invoices i
+      JOIN memberships m ON i.membership_id = m.id
+      LEFT JOIN tariffs t ON m.tariff_id = t.id
+      WHERE i.status = 'open'
+      ORDER BY i.period ASC, m.last_name ASC
+    `);
+
+    // Rückläufer
+    const [chargebacks] = await db.query(`
+      SELECT c.*, m.first_name, m.last_name, m.email
+      FROM chargebacks c
+      JOIN memberships m ON c.membership_id = m.id
+      ORDER BY c.chargeback_date DESC
+    `);
+
+    // Mahngebühren
+    const [dunnings] = await db.query(`
+      SELECT d.*, m.first_name, m.last_name, m.email
+      FROM dunning_fees d
+      JOIN memberships m ON d.membership_id = m.id
+      ORDER BY d.issued_date DESC
+    `);
+
+    // Mahngebühren Summen
+    const [dunningStats] = await db.query(`
+      SELECT 
+        COALESCE(SUM(CASE WHEN status='open' THEN amount ELSE 0 END), 0) as open_total,
+        COALESCE(SUM(CASE WHEN status='paid' THEN amount ELSE 0 END), 0) as paid_total,
+        COUNT(CASE WHEN status='open' THEN 1 END) as open_count
+      FROM dunning_fees
+    `);
+
+    // Rückläufer Summen
+    const [chargebackStats] = await db.query(`
+      SELECT 
+        COUNT(*) as total,
+        COUNT(CASE WHEN status='open' THEN 1 END) as open_count,
+        COALESCE(SUM(amount), 0) as total_amount
+      FROM chargebacks
+    `);
+
+    // Auslaufende Verträge (nächste 3 Monate)
+    const [expiringContracts] = await db.query(`
+      SELECT m.*, t.name as tariff_name, t.price_monthly
+      FROM memberships m
+      JOIN tariffs t ON m.tariff_id = t.id
+      WHERE m.status = 'active'
+        AND m.effective_end BETWEEN CURDATE() AND DATE_ADD(CURDATE(), INTERVAL 3 MONTH)
+      ORDER BY m.effective_end ASC
+    `);
+
+    // Alle Mitglieder für Dropdowns
+    const [members] = await db.query(`
+      SELECT m.id, m.first_name, m.last_name
+      FROM memberships m WHERE m.status IN ('active','paused','inactive')
+      ORDER BY m.last_name ASC
+    `);
+
+    // Offene Rechnungen für Dropdown
+    const [openInvoicesDropdown] = await db.query(`
+      SELECT i.id, i.period, i.amount, m.first_name, m.last_name
+      FROM invoices i JOIN memberships m ON i.membership_id = m.id
+      WHERE i.status = 'open'
+      ORDER BY i.period DESC, m.last_name ASC
+    `);
+
+    res.render('admin/finance', {
+      admin: req.session.adminUser,
+      dunningFee,
+      totalRevenue: totalRevenue[0],
+      monthlyRevenue: monthlyRevenue.reverse(), // aufsteigend für Chart
+      openInvoices,
+      chargebacks,
+      dunnings,
+      dunningStats: dunningStats[0],
+      chargebackStats: chargebackStats[0],
+      expiringContracts,
+      members,
+      openInvoicesDropdown,
+      success: req.query.success || null,
+      error: req.query.error || null
+    });
+  } catch (err) {
+    console.error(err);
+    res.redirect('/admin?error=Fehler+in+der+Finanzübersicht:+' + encodeURIComponent(err.message));
+  }
+});
+
+// ============================================
+// Einstellungen speichern
+// ============================================
+router.post('/settings', requireAdmin, async (req, res) => {
+  const { dunning_fee } = req.body;
+  try {
+    await db.query(
+      "INSERT INTO settings (key_name, value, label) VALUES ('dunning_fee', ?, 'Mahngebühr (€)') ON DUPLICATE KEY UPDATE value = ?",
+      [dunning_fee, dunning_fee]
+    );
+    res.redirect('/admin/finance?success=Einstellungen+gespeichert');
+  } catch (err) {
+    res.redirect('/admin/finance?error=Fehler+beim+Speichern');
+  }
+});
+
+// ============================================
+// Rückläufer eintragen
+// ============================================
+router.post('/chargebacks/add', requireAdmin, async (req, res) => {
+  const { membership_id, invoice_id, period, amount, reason, chargeback_date, notes } = req.body;
+  try {
+    await db.query(
+      'INSERT INTO chargebacks (membership_id, invoice_id, period, amount, reason, chargeback_date, notes) VALUES (?,?,?,?,?,?,?)',
+      [membership_id, invoice_id || null, period, amount, reason || 'SEPA Rücklastschrift', chargeback_date, notes || null]
+    );
+    // Rechnung wieder auf offen setzen
+    if (invoice_id) {
+      await db.query("UPDATE invoices SET status='open', paid_at=NULL WHERE id=?", [invoice_id]);
+    }
+    res.redirect('/admin/finance?success=Rückläufer+eingetragen');
+  } catch (err) {
+    console.error(err);
+    res.redirect('/admin/finance?error=Fehler+beim+Eintragen');
+  }
+});
+
+router.post('/chargebacks/:id/resolve', requireAdmin, async (req, res) => {
+  try {
+    await db.query("UPDATE chargebacks SET status='resolved' WHERE id=?", [req.params.id]);
+    res.redirect('/admin/finance?success=Rückläufer+als+erledigt+markiert');
+  } catch (err) {
+    res.redirect('/admin/finance?error=Fehler');
+  }
+});
+
+// CSV Import Rückläufer
+router.post('/chargebacks/import', requireAdmin, async (req, res) => {
+  const { csv_data } = req.body;
+  if (!csv_data || !csv_data.trim()) return res.redirect('/admin/finance?error=Keine+Daten+eingegeben');
+  try {
+    const lines = csv_data.trim().split('\n').filter(l => l.trim());
+    let imported = 0;
+    for (const line of lines) {
+      const cols = line.split(';').map(c => c.trim().replace(/"/g, ''));
+      if (cols.length < 3) continue;
+      const [iban, amount, date, reason] = cols;
+      const cleanIban = iban.replace(/\s/g, '');
+      // Mitglied anhand IBAN suchen
+      const [members] = await db.query(
+        "SELECT id FROM memberships WHERE REPLACE(iban,' ','') = ?", [cleanIban]
+      );
+      if (members.length === 0) continue;
+      const now = new Date();
+      const period = `${now.getFullYear()}-${String(now.getMonth()+1).padStart(2,'0')}`;
+      await db.query(
+        'INSERT INTO chargebacks (membership_id, period, amount, reason, chargeback_date) VALUES (?,?,?,?,?)',
+        [members[0].id, period, Math.abs(parseFloat(amount.replace(',','.'))), reason || 'SEPA Rücklastschrift', date || new Date().toISOString().split('T')[0]]
+      );
+      imported++;
+    }
+    res.redirect(`/admin/finance?success=${imported}+Rückläufer+importiert`);
+  } catch (err) {
+    console.error(err);
+    res.redirect('/admin/finance?error=Import+Fehler:+' + encodeURIComponent(err.message));
+  }
+});
+
+// ============================================
+// Mahngebühren
+// ============================================
+router.post('/dunning/add', requireAdmin, async (req, res) => {
+  const { membership_id, invoice_id, amount, reason, issued_date, notes } = req.body;
+  try {
+    await db.query(
+      'INSERT INTO dunning_fees (membership_id, invoice_id, amount, reason, issued_date, notes) VALUES (?,?,?,?,?,?)',
+      [membership_id, invoice_id || null, amount, reason || 'Mahngebühr', issued_date, notes || null]
+    );
+    res.redirect('/admin/finance?success=Mahngebühr+eingetragen');
+  } catch (err) {
+    res.redirect('/admin/finance?error=Fehler+beim+Eintragen');
+  }
+});
+
+router.post('/dunning/:id/paid', requireAdmin, async (req, res) => {
+  try {
+    await db.query("UPDATE dunning_fees SET status='paid', paid_at=NOW() WHERE id=?", [req.params.id]);
+    res.redirect('/admin/finance?success=Mahngebühr+als+bezahlt+markiert');
+  } catch (err) {
+    res.redirect('/admin/finance?error=Fehler');
+  }
+});
+
+router.post('/dunning/:id/cancel', requireAdmin, async (req, res) => {
+  try {
+    await db.query("UPDATE dunning_fees SET status='cancelled' WHERE id=?", [req.params.id]);
+    res.redirect('/admin/finance?success=Mahngebühr+storniert');
+  } catch (err) {
+    res.redirect('/admin/finance?error=Fehler');
+  }
+});
+
+module.exports = router;
diff --git a/views/admin/dashboard.ejs b/views/admin/dashboard.ejs
index 9472751..f7a2300 100644
--- a/views/admin/dashboard.ejs
+++ b/views/admin/dashboard.ejs
@@ -17,6 +17,7 @@
         <a href="#" class="nav-link" onclick="showSection('kategorien', this)">🏷️ Kategorien</a>
         <a href="#" class="nav-link" onclick="showSection('mitglieder', this)">👥 Mitglieder</a>
         <a href="/admin/billing" class="nav-link">💶 Abrechnung</a>
+        <a href="/admin/finance" class="nav-link">📊 Finanzen</a>
         <a href="#" class="nav-link" onclick="showSection('einstellungen', this)">⚙️ Einstellungen</a>
       </nav>
       <div class="sidebar-footer">
diff --git a/views/admin/finance.ejs b/views/admin/finance.ejs
new file mode 100644
index 0000000..eced953
--- /dev/null
+++ b/views/admin/finance.ejs
@@ -0,0 +1,485 @@
+<!DOCTYPE html>
+<html lang="de">
+<head>
+  <meta charset="UTF-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1.0">
+  <title>PlusFit24 – Finanzübersicht</title>
+  <link href="https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;600;700;800&display=swap" rel="stylesheet">
+  <link rel="stylesheet" href="/css/style.css">
+  <script src="https://cdn.jsdelivr.net/npm/chart.js@4.4.0/dist/chart.umd.min.js"></script>
+</head>
+<body class="admin-body">
+<div class="admin-layout">
+
+  <aside class="admin-sidebar">
+    <div class="logo admin-logo">Plusfit<span>24</span></div>
+    <nav class="admin-nav">
+      <a href="/admin" class="nav-link">📋 Tarife</a>
+      <a href="/admin#kategorien" class="nav-link">🏷️ Kategorien</a>
+      <a href="/admin#mitglieder" class="nav-link">👥 Mitglieder</a>
+      <a href="/admin/billing" class="nav-link">💶 Abrechnung</a>
+      <a href="/admin/finance" class="nav-link active">📊 Finanzen</a>
+      <a href="/admin#einstellungen" class="nav-link">⚙️ Einstellungen</a>
+    </nav>
+    <div class="sidebar-footer">
+      <span>👤 <%= admin %></span>
+      <a href="/admin/logout" class="logout-link">Abmelden</a>
+    </div>
+  </aside>
+
+  <main class="admin-main">
+    <h1 class="finance-title">📊 Finanzübersicht</h1>
+
+    <% if (success) { %><div class="alert alert-success"><%= success %></div><% } %>
+    <% if (error) { %><div class="alert alert-error"><%= error %></div><% } %>
+
+    <!-- ===== KPI KARTEN ===== -->
+    <div class="finance-kpi-grid">
+      <div class="kpi-card kpi-blue">
+        <div class="kpi-label">Gesamtumsatz (bezahlt)</div>
+        <div class="kpi-value"><%= Number(totalRevenue.paid_total).toFixed(2).replace('.', ',') %> €</div>
+        <div class="kpi-sub"><%= totalRevenue.invoice_count %> Rechnungen gesamt</div>
+      </div>
+      <div class="kpi-card kpi-red">
+        <div class="kpi-label">Offene Posten</div>
+        <div class="kpi-value"><%= Number(totalRevenue.open_total).toFixed(2).replace('.', ',') %> €</div>
+        <div class="kpi-sub"><%= openInvoices.length %> offene Rechnungen</div>
+      </div>
+      <div class="kpi-card kpi-orange">
+        <div class="kpi-label">Rückläufer (offen)</div>
+        <div class="kpi-value"><%= chargebackStats.open_count %></div>
+        <div class="kpi-sub"><%= Number(chargebackStats.total_amount).toFixed(2).replace('.', ',') %> € gesamt</div>
+      </div>
+      <div class="kpi-card kpi-purple">
+        <div class="kpi-label">Mahngebühren (offen)</div>
+        <div class="kpi-value"><%= Number(dunningStats.open_total).toFixed(2).replace('.', ',') %> €</div>
+        <div class="kpi-sub"><%= dunningStats.open_count %> offene Mahnungen</div>
+      </div>
+      <div class="kpi-card kpi-green">
+        <div class="kpi-label">Mahngebühren (bezahlt)</div>
+        <div class="kpi-value"><%= Number(dunningStats.paid_total).toFixed(2).replace('.', ',') %> €</div>
+        <div class="kpi-sub">Aktueller Satz: <%= Number(dunningFee).toFixed(2).replace('.', ',') %> €</div>
+      </div>
+      <div class="kpi-card kpi-yellow">
+        <div class="kpi-label">Auslaufende Verträge</div>
+        <div class="kpi-value"><%= expiringContracts.length %></div>
+        <div class="kpi-sub">In den nächsten 3 Monaten</div>
+      </div>
+    </div>
+
+    <!-- ===== TABS ===== -->
+    <div class="finance-tabs">
+      <button class="ftab active" onclick="showTab('chart')">📈 Umsatzverlauf</button>
+      <button class="ftab" onclick="showTab('open')">🔴 Offene Posten</button>
+      <button class="ftab" onclick="showTab('chargebacks')">↩️ Rückläufer</button>
+      <button class="ftab" onclick="showTab('dunning')">📬 Mahngebühren</button>
+      <button class="ftab" onclick="showTab('expiring')">⏳ Auslaufende Verträge</button>
+      <button class="ftab" onclick="showTab('settings')">⚙️ Einstellungen</button>
+    </div>
+
+    <!-- ===== TAB: UMSATZVERLAUF ===== -->
+    <div class="ftab-content active" id="tab-chart">
+      <div class="finance-card">
+        <h3>Monatlicher Umsatz (letzte 12 Monate)</h3>
+        <canvas id="revenueChart" height="80"></canvas>
+      </div>
+      <div class="table-wrap" style="margin-top:16px">
+        <table class="admin-table">
+          <thead><tr><th>Periode</th><th>Rechnungen</th><th>Bezahlt</th><th>Offen</th><th>Gesamt</th></tr></thead>
+          <tbody>
+            <% monthlyRevenue.slice().reverse().forEach(m => { %>
+              <tr>
+                <td><strong><%= m.period %></strong></td>
+                <td><%= m.count %></td>
+                <td style="color:var(--success)"><%= Number(m.paid).toFixed(2).replace('.', ',') %> €</td>
+                <td style="color:var(--error)"><%= Number(m.open_amount).toFixed(2).replace('.', ',') %> €</td>
+                <td><strong><%= Number(m.total).toFixed(2).replace('.', ',') %> €</strong></td>
+              </tr>
+            <% }) %>
+            <% if (monthlyRevenue.length === 0) { %>
+              <tr><td colspan="5" class="no-data">Noch keine Abrechnungsdaten.</td></tr>
+            <% } %>
+          </tbody>
+        </table>
+      </div>
+    </div>
+
+    <!-- ===== TAB: OFFENE POSTEN ===== -->
+    <div class="ftab-content" id="tab-open">
+      <div class="finance-card">
+        <div class="section-header">
+          <h3>Offene Posten (<%= openInvoices.length %>)</h3>
+        </div>
+        <% if (openInvoices.length === 0) { %>
+          <p class="karte-empty">✅ Keine offenen Posten!</p>
+        <% } else { %>
+        <div class="table-wrap">
+          <table class="admin-table">
+            <thead><tr><th>Mitglied</th><th>Tarif</th><th>Periode</th><th>Betrag</th><th>Rechnung Nr.</th><th>Aktion</th></tr></thead>
+            <tbody>
+              <% openInvoices.forEach(inv => { %>
+                <tr>
+                  <td>
+                    <strong><%= inv.last_name %>, <%= inv.first_name %></strong><br>
+                    <small class="text-muted"><%= inv.email %></small>
+                  </td>
+                  <td><%= inv.tariff_name || '–' %></td>
+                  <td><%= inv.period %></td>
+                  <td style="color:var(--error)"><strong><%= Number(inv.amount).toFixed(2).replace('.', ',') %> €</strong></td>
+                  <td class="invoice-nr">PF24-<%= String(inv.id).padStart(6,'0') %></td>
+                  <td>
+                    <a href="/admin/billing?period=<%= inv.period %>" class="btn btn-sm btn-outline">
+                      Zur Abrechnung
+                    </a>
+                  </td>
+                </tr>
+              <% }) %>
+            </tbody>
+          </table>
+        </div>
+        <% } %>
+      </div>
+    </div>
+
+    <!-- ===== TAB: RÜCKLÄUFER ===== -->
+    <div class="ftab-content" id="tab-chargebacks">
+      <div class="finance-card">
+        <div class="section-header">
+          <h3>Rückläufer</h3>
+          <div style="display:flex;gap:8px">
+            <button class="btn btn-outline btn-sm" onclick="toggleModal('addChargebackModal')">+ Manuell eintragen</button>
+            <button class="btn btn-outline btn-sm" onclick="toggleModal('importChargebackModal')">📥 CSV Import</button>
+          </div>
+        </div>
+        <% if (chargebacks.length === 0) { %>
+          <p class="karte-empty">Keine Rückläufer vorhanden.</p>
+        <% } else { %>
+        <div class="table-wrap">
+          <table class="admin-table">
+            <thead><tr><th>Datum</th><th>Mitglied</th><th>Periode</th><th>Betrag</th><th>Grund</th><th>Status</th><th>Aktion</th></tr></thead>
+            <tbody>
+              <% chargebacks.forEach(c => { %>
+                <tr>
+                  <td><%= new Date(c.chargeback_date).toLocaleDateString('de-DE') %></td>
+                  <td><strong><%= c.last_name %>, <%= c.first_name %></strong></td>
+                  <td><%= c.period %></td>
+                  <td style="color:var(--error)"><strong><%= Number(c.amount).toFixed(2).replace('.', ',') %> €</strong></td>
+                  <td><%= c.reason || '–' %></td>
+                  <td>
+                    <span class="invoice-status <%= c.status === 'resolved' ? 'paid' : 'open' %>">
+                      <%= c.status === 'resolved' ? '✅ Erledigt' : '🔴 Offen' %>
+                    </span>
+                  </td>
+                  <td>
+                    <% if (c.status === 'open') { %>
+                      <form method="POST" action="/admin/finance/chargebacks/<%= c.id %>/resolve" style="display:inline">
+                        <button type="submit" class="btn btn-sm btn-success">✅ Erledigt</button>
+                      </form>
+                    <% } %>
+                  </td>
+                </tr>
+              <% }) %>
+            </tbody>
+          </table>
+        </div>
+        <% } %>
+      </div>
+    </div>
+
+    <!-- ===== TAB: MAHNGEBÜHREN ===== -->
+    <div class="ftab-content" id="tab-dunning">
+      <div class="finance-card">
+        <div class="section-header">
+          <h3>Mahngebühren</h3>
+          <button class="btn btn-primary btn-sm" onclick="toggleModal('addDunningModal')">+ Mahngebühr eintragen</button>
+        </div>
+        <% if (dunnings.length === 0) { %>
+          <p class="karte-empty">Keine Mahngebühren eingetragen.</p>
+        <% } else { %>
+        <div class="table-wrap">
+          <table class="admin-table">
+            <thead><tr><th>Datum</th><th>Mitglied</th><th>Betrag</th><th>Grund</th><th>Status</th><th>Aktion</th></tr></thead>
+            <tbody>
+              <% dunnings.forEach(d => { %>
+                <tr>
+                  <td><%= new Date(d.issued_date).toLocaleDateString('de-DE') %></td>
+                  <td><strong><%= d.last_name %>, <%= d.first_name %></strong></td>
+                  <td><strong><%= Number(d.amount).toFixed(2).replace('.', ',') %> €</strong></td>
+                  <td><%= d.reason %></td>
+                  <td>
+                    <span class="invoice-status <%= d.status === 'paid' ? 'paid' : d.status === 'cancelled' ? 'cancelled' : 'open' %>">
+                      <%= d.status === 'paid' ? '✅ Bezahlt' : d.status === 'cancelled' ? '❌ Storniert' : '🔴 Offen' %>
+                    </span>
+                    <% if (d.paid_at) { %><br><small class="text-muted"><%= new Date(d.paid_at).toLocaleDateString('de-DE') %></small><% } %>
+                  </td>
+                  <td>
+                    <div style="display:flex;gap:6px">
+                      <% if (d.status === 'open') { %>
+                        <form method="POST" action="/admin/finance/dunning/<%= d.id %>/paid" style="display:inline">
+                          <button type="submit" class="btn btn-sm btn-success">✅</button>
+                        </form>
+                        <form method="POST" action="/admin/finance/dunning/<%= d.id %>/cancel" style="display:inline"
+                              onsubmit="return confirm('Mahngebühr stornieren?')">
+                          <button type="submit" class="btn btn-sm btn-danger">✕</button>
+                        </form>
+                      <% } %>
+                    </div>
+                  </td>
+                </tr>
+              <% }) %>
+            </tbody>
+          </table>
+        </div>
+        <% } %>
+      </div>
+    </div>
+
+    <!-- ===== TAB: AUSLAUFENDE VERTRÄGE ===== -->
+    <div class="ftab-content" id="tab-expiring">
+      <div class="finance-card">
+        <h3>Auslaufende Verträge – nächste 3 Monate (<%= expiringContracts.length %>)</h3>
+        <% if (expiringContracts.length === 0) { %>
+          <p class="karte-empty">Keine auslaufenden Verträge in den nächsten 3 Monaten.</p>
+        <% } else { %>
+        <div class="table-wrap">
+          <table class="admin-table">
+            <thead><tr><th>Mitglied</th><th>Tarif</th><th>Vertragsende</th><th>Restlaufzeit</th><th>Monatsbeitrag</th><th>Aktion</th></tr></thead>
+            <tbody>
+              <% expiringContracts.forEach(m => { %>
+                <%
+                  const endDate = new Date(m.effective_end);
+                  const today = new Date();
+                  const diffDays = Math.ceil((endDate - today) / (1000*60*60*24));
+                  const urgency = diffDays <= 30 ? 'urgent' : diffDays <= 60 ? 'warning' : 'normal';
+                %>
+                <tr>
+                  <td>
+                    <strong><%= m.last_name %>, <%= m.first_name %></strong><br>
+                    <small class="text-muted"><%= m.email %></small>
+                  </td>
+                  <td><%= m.tariff_name %></td>
+                  <td><strong><%= endDate.toLocaleDateString('de-DE') %></strong></td>
+                  <td>
+                    <span class="expiry-badge expiry-<%= urgency %>">
+                      noch <%= diffDays %> Tage
+                    </span>
+                  </td>
+                  <td><%= Number(m.price_monthly).toFixed(2).replace('.', ',') %> €</td>
+                  <td>
+                    <a href="/admin/members/<%= m.id %>" class="btn btn-sm btn-outline">Zur Karteikarte</a>
+                  </td>
+                </tr>
+              <% }) %>
+            </tbody>
+          </table>
+        </div>
+        <% } %>
+      </div>
+    </div>
+
+    <!-- ===== TAB: EINSTELLUNGEN ===== -->
+    <div class="ftab-content" id="tab-settings">
+      <div class="finance-card" style="max-width:400px">
+        <h3>Finanz-Einstellungen</h3>
+        <form method="POST" action="/admin/finance/settings">
+          <div class="form-group" style="margin-top:16px">
+            <label>Mahngebühr (€)</label>
+            <div class="input-wrap">
+              <input type="number" name="dunning_fee" step="0.01" min="0"
+                     value="<%= Number(dunningFee).toFixed(2) %>" class="form-control">
+            </div>
+          </div>
+          <button type="submit" class="btn btn-primary" style="margin-top:12px">💾 Speichern</button>
+        </form>
+      </div>
+    </div>
+
+  </main>
+</div>
+
+<!-- Modal: Rückläufer manuell -->
+<div class="modal-overlay hidden" id="addChargebackModal">
+  <div class="modal">
+    <div class="modal-header">
+      <h3>Rückläufer eintragen</h3>
+      <button onclick="toggleModal('addChargebackModal')" class="modal-close">✕</button>
+    </div>
+    <form method="POST" action="/admin/finance/chargebacks/add">
+      <div class="form-group">
+        <label>Mitglied *</label>
+        <select name="membership_id" class="form-control" required onchange="loadMemberInvoices(this.value)">
+          <option value="">– Mitglied wählen –</option>
+          <% members.forEach(m => { %>
+            <option value="<%= m.id %>"><%= m.last_name %>, <%= m.first_name %></option>
+          <% }) %>
+        </select>
+      </div>
+      <div class="form-group">
+        <label>Rechnung (optional)</label>
+        <select name="invoice_id" class="form-control" id="invoiceSelect">
+          <option value="">– Rechnung wählen –</option>
+          <% openInvoicesDropdown.forEach(i => { %>
+            <option value="<%= i.id %>" data-member="<%= i.membership_id %>">
+              <%= i.period %> – <%= Number(i.amount).toFixed(2).replace('.', ',') %> € (<%= i.last_name %>, <%= i.first_name %>)
+            </option>
+          <% }) %>
+        </select>
+      </div>
+      <div class="form-row">
+        <div class="form-group">
+          <label>Periode *</label>
+          <input type="month" name="period" class="form-control" required>
+        </div>
+        <div class="form-group">
+          <label>Betrag (€) *</label>
+          <input type="number" name="amount" step="0.01" min="0" class="form-control" required>
+        </div>
+      </div>
+      <div class="form-row">
+        <div class="form-group">
+          <label>Datum *</label>
+          <input type="date" name="chargeback_date" class="form-control" required
+                 value="<%= new Date().toISOString().split('T')[0] %>">
+        </div>
+        <div class="form-group">
+          <label>Grund</label>
+          <input type="text" name="reason" class="form-control" value="SEPA Rücklastschrift">
+        </div>
+      </div>
+      <div class="form-group">
+        <label>Notizen</label>
+        <textarea name="notes" class="form-control" rows="2"></textarea>
+      </div>
+      <div class="modal-footer">
+        <button type="button" onclick="toggleModal('addChargebackModal')" class="btn btn-outline">Abbrechen</button>
+        <button type="submit" class="btn btn-primary">Eintragen</button>
+      </div>
+    </form>
+  </div>
+</div>
+
+<!-- Modal: CSV Import Rückläufer -->
+<div class="modal-overlay hidden" id="importChargebackModal">
+  <div class="modal">
+    <div class="modal-header">
+      <h3>Rückläufer CSV Import</h3>
+      <button onclick="toggleModal('importChargebackModal')" class="modal-close">✕</button>
+    </div>
+    <form method="POST" action="/admin/finance/chargebacks/import">
+      <div class="form-group">
+        <label>CSV-Daten einfügen</label>
+        <p style="font-size:0.8rem;color:var(--text-muted);margin-bottom:8px">
+          Format pro Zeile: <code>IBAN;Betrag;Datum;Grund</code><br>
+          Beispiel: <code>DE89370400440532013000;29,95;2026-04-05;Rücklastschrift</code>
+        </p>
+        <textarea name="csv_data" class="form-control" rows="6"
+                  placeholder="IBAN;Betrag;Datum;Grund"></textarea>
+      </div>
+      <div class="modal-footer">
+        <button type="button" onclick="toggleModal('importChargebackModal')" class="btn btn-outline">Abbrechen</button>
+        <button type="submit" class="btn btn-primary">📥 Importieren</button>
+      </div>
+    </form>
+  </div>
+</div>
+
+<!-- Modal: Mahngebühr eintragen -->
+<div class="modal-overlay hidden" id="addDunningModal">
+  <div class="modal">
+    <div class="modal-header">
+      <h3>Mahngebühr eintragen</h3>
+      <button onclick="toggleModal('addDunningModal')" class="modal-close">✕</button>
+    </div>
+    <form method="POST" action="/admin/finance/dunning/add">
+      <div class="form-group">
+        <label>Mitglied *</label>
+        <select name="membership_id" class="form-control" required>
+          <option value="">– Mitglied wählen –</option>
+          <% members.forEach(m => { %>
+            <option value="<%= m.id %>"><%= m.last_name %>, <%= m.first_name %></option>
+          <% }) %>
+        </select>
+      </div>
+      <div class="form-group">
+        <label>Rechnung (optional)</label>
+        <select name="invoice_id" class="form-control">
+          <option value="">– Rechnung wählen –</option>
+          <% openInvoicesDropdown.forEach(i => { %>
+            <option value="<%= i.id %>">
+              <%= i.period %> – <%= Number(i.amount).toFixed(2).replace('.', ',') %> € (<%= i.last_name %>, <%= i.first_name %>)
+            </option>
+          <% }) %>
+        </select>
+      </div>
+      <div class="form-row">
+        <div class="form-group">
+          <label>Betrag (€) *</label>
+          <input type="number" name="amount" step="0.01" min="0"
+                 value="<%= Number(dunningFee).toFixed(2) %>" class="form-control" required>
+        </div>
+        <div class="form-group">
+          <label>Datum *</label>
+          <input type="date" name="issued_date" class="form-control" required
+                 value="<%= new Date().toISOString().split('T')[0] %>">
+        </div>
+      </div>
+      <div class="form-group">
+        <label>Grund</label>
+        <input type="text" name="reason" class="form-control" value="Mahngebühr">
+      </div>
+      <div class="form-group">
+        <label>Notizen</label>
+        <textarea name="notes" class="form-control" rows="2"></textarea>
+      </div>
+      <div class="modal-footer">
+        <button type="button" onclick="toggleModal('addDunningModal')" class="btn btn-outline">Abbrechen</button>
+        <button type="submit" class="btn btn-primary">Eintragen</button>
+      </div>
+    </form>
+  </div>
+</div>
+
+<script>
+// Chart
+const ctx = document.getElementById('revenueChart').getContext('2d');
+const chartData = <%- JSON.stringify(monthlyRevenue) %>;
+new Chart(ctx, {
+  type: 'bar',
+  data: {
+    labels: chartData.map(m => m.period),
+    datasets: [
+      {
+        label: 'Bezahlt (€)',
+        data: chartData.map(m => parseFloat(m.paid) || 0),
+        backgroundColor: 'rgba(22, 163, 74, 0.7)',
+        borderRadius: 6
+      },
+      {
+        label: 'Offen (€)',
+        data: chartData.map(m => parseFloat(m.open_amount) || 0),
+        backgroundColor: 'rgba(220, 38, 38, 0.5)',
+        borderRadius: 6
+      }
+    ]
+  },
+  options: {
+    responsive: true,
+    plugins: { legend: { position: 'top' } },
+    scales: { y: { beginAtZero: true, ticks: { callback: v => v + ' €' } } }
+  }
+});
+
+// Tabs
+function showTab(name) {
+  document.querySelectorAll('.ftab-content').forEach(t => t.classList.remove('active'));
+  document.querySelectorAll('.ftab').forEach(t => t.classList.remove('active'));
+  document.getElementById('tab-' + name).classList.add('active');
+  event.target.classList.add('active');
+}
+
+function toggleModal(id) {
+  document.getElementById(id).classList.toggle('hidden');
+}
+</script>
+</body>
+</html>