diff --git a/ui/src/components/FinancialEventEntry.test.tsx b/ui/src/components/FinancialEventEntry.test.tsx
index 55751ec06cd..c14ce1323c4 100644
--- a/ui/src/components/FinancialEventEntry.test.tsx
+++ b/ui/src/components/FinancialEventEntry.test.tsx
@@ -3,6 +3,7 @@ import { act } from "react";
 import { createRoot } from "react-dom/client";
 import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
 import { afterEach, beforeEach, describe, expect, it, vi } from "vitest";
+import { ApiError } from "../api/client";
 import { FinancialEventEntry } from "./FinancialEventEntry";
 const mocks = vi.hoisted(() => ({
   create: vi.fn(),
@@ -154,6 +155,34 @@ describe("financial event entry", () => {
     expect(mocks.create.mock.calls[2][1].idempotencyKey).not.toBe(original[1].idempotencyKey);
   });
 
+  it.each([400, 401, 403, 404, 422])("unlocks a charge rejected with %s so it can be edited or abandoned", async (status) => {
+    await render(); await click("Record or import charges");
+    await fill("Provider or biller", "anthropic"); await fill("Amount (USD)", "2");
+    mocks.create.mockRejectedValueOnce(new ApiError("Private rejection detail", status, {}));
+    await submit();
+    const original = mocks.create.mock.calls[0][1];
+    expect(document.body.textContent).not.toContain("This charge may already be saved");
+    expect(document.body.textContent).not.toContain("Private rejection detail");
+    expect([...document.querySelectorAll<HTMLInputElement>("form input")].every(input => !input.disabled)).toBe(true);
+    await click("Cancel"); await click("Record or import charges");
+    await click("Import invoice");
+    expect(document.querySelector('[aria-label="Financial invoice JSON"]')).not.toBeNull();
+    await click("Record charge"); await fill("Amount (USD)", "3"); await submit();
+    expect(mocks.create.mock.calls[1][1]).toMatchObject({ amountCents: "300.0000000", idempotencyKey: original.idempotencyKey });
+  });
+
+  it.each([409, 500, 502])("keeps a charge with uncertain %s outcome immutable", async (status) => {
+    await render(); await click("Record or import charges");
+    await fill("Provider or biller", "anthropic"); await fill("Amount (USD)", "2");
+    mocks.create.mockRejectedValueOnce(new ApiError("Uncertain response", status, {}));
+    await submit();
+    const original = mocks.create.mock.calls[0];
+    expect(document.body.textContent).toContain("Confirm original charge");
+    expect([...document.querySelectorAll<HTMLInputElement>("form input")].every(input => input.disabled)).toBe(true);
+    await click("Confirm original charge");
+    expect(mocks.create.mock.calls[1]).toEqual(original);
+  });
+
   it("validates invoice input and sends the normalized invoice to the current company", async () => {
     await render();
     await click("Record or import charges");
diff --git a/ui/src/components/FinancialEventEntry.tsx b/ui/src/components/FinancialEventEntry.tsx
index e8463567d24..24059bfb086 100644
--- a/ui/src/components/FinancialEventEntry.tsx
+++ b/ui/src/components/FinancialEventEntry.tsx
@@ -9,6 +9,7 @@ import {
   usdToCents,
 } from "@paperclipai/shared";
 import { costsApi } from "../api/costs";
+import { ApiError } from "../api/client";
 import { accountingApi } from "../api/accounting";
 import { Button } from "./ui/button";
 import { Input } from "./ui/input";
@@ -110,6 +111,13 @@ function Entry({ companyId }: { companyId: string }) {
       }
       return true;
     },
+    onError: (error) => {
+      // These responses reject the request before it can save. Lost responses,
+      // server failures and idempotency conflicts must retain the original.
+      if (error instanceof ApiError && [400, 401, 403, 404, 422].includes(error.status)) {
+        setSubmittedCharge(null);
+      }
+    },
     onSuccess: async (saved) => {
       if (!saved) return;
       setOpen(false);
diff --git a/ui/src/pages/Costs.refresh.test.tsx b/ui/src/pages/Costs.refresh.test.tsx
index 9ed062676ca..57317a3e511 100644
--- a/ui/src/pages/Costs.refresh.test.tsx
+++ b/ui/src/pages/Costs.refresh.test.tsx
@@ -135,6 +135,24 @@ describe.each([
     expect(client.getQueryCache().getAll().map(q => q.queryHash).sort()).toEqual(keys);
   });
 
+  it.each([
+    ["Month to Date (UTC)", "2026-09-30T23:59:50Z"],
+    ["Year to Date", "2026-12-31T23:59:50Z"],
+  ])("starts a new %s report at its UTC boundary", async (period, boundary) => {
+    vi.setSystemTime(new Date(boundary));
+    await render(); await click(period);
+    expect(container.textContent).toContain("$402.88");
+    const previousFrom = api.summary.mock.calls.at(-1)![1];
+    api.summary.mockRejectedValue(new Error("private failure"));
+    api.financeEvents.mockRejectedValue(new Error("private failure"));
+    await act(async () => { await vi.advanceTimersByTimeAsync(10_000); }); await settle();
+    expect(api.summary.mock.calls.at(-1)![1]).not.toBe(previousFrom);
+    expect(container.textContent).not.toContain("$402.88");
+    expect(container.textContent).not.toContain("Bender");
+    expect(container.textContent).toContain("Cost data could not be loaded");
+    expect(container.textContent).not.toContain("private failure");
+  });
+
   it("does not reuse another company's or selected period's data after a failed initial load", async () => {
     await render();
     api.summary.mockRejectedValue(new Error("database detail must stay private"));
diff --git a/ui/src/pages/Costs.tsx b/ui/src/pages/Costs.tsx
index 07e71f5c6e4..20eb0d80eff 100644
--- a/ui/src/pages/Costs.tsx
+++ b/ui/src/pages/Costs.tsx
@@ -219,7 +219,9 @@ export function Costs({
   // The clock advances the request bounds, not the identity of the report.
   // Keep successful data visible during polling; a different company or selected
   // period still gets its own cache entry and initial loading state.
-  const reportQueryFrom = preset === "custom" ? from || undefined : undefined;
+  // Month/year-to-date become a different reporting period at their UTC
+  // boundary. Rolling windows retain identity as their lower bound advances.
+  const reportQueryFrom = ["custom", "mtd", "ytd"].includes(preset) ? from || undefined : undefined;
   const reportQueryTo = preset === "custom" ? to || undefined : preset;
 
   const { data: budgetData, isLoading: budgetLoading, error: budgetError } = useQuery({