diff --git a/frontend/src/components/Layout.tsx b/frontend/src/components/Layout.tsx
index 5845592..84beb86 100644
--- a/frontend/src/components/Layout.tsx
+++ b/frontend/src/components/Layout.tsx
@@ -72,16 +72,16 @@ export function Layout({ children, onSettingsClick }: LayoutProps) {
   return (
     <div className="min-h-screen">
       <header className="sticky top-0 z-40 bg-sand-50/80 dark:bg-charcoal-950/80 backdrop-blur-md border-b border-sand-200 dark:border-charcoal-800">
-        <div className="max-w-6xl mx-auto px-4 py-4 flex items-center justify-between">
-          <span className="text-xl font-semibold tracking-tight text-charcoal-800 dark:text-sand-100">
+        <div className="max-w-6xl mx-auto px-4 py-3 sm:py-4 flex items-center justify-between">
+          <span className="text-lg sm:text-xl font-semibold tracking-tight text-charcoal-800 dark:text-sand-100">
             payme
           </span>
           {user && (
-            <span className="text-sm text-charcoal-600 dark:text-charcoal-300">
+            <span className="hidden sm:inline text-sm text-charcoal-600 dark:text-charcoal-300">
               Welcome, {user.username}
             </span>
           )}
-          <div className="flex items-center gap-2">
+          <div className="flex items-center gap-1 sm:gap-2">
             {user && (
               <>
                 <input
@@ -93,15 +93,17 @@ export function Layout({ children, onSettingsClick }: LayoutProps) {
                 />
                 <button
                   onClick={handleImportClick}
-                  className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer"
+                  className="p-2 sm:p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer touch-manipulation"
                   title="Import data"
+                  aria-label="Import data"
                 >
                   <Upload size={18} />
                 </button>
                 <button
                   onClick={handleExport}
-                  className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer"
+                  className="p-2 sm:p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer touch-manipulation"
                   title="Export data"
+                  aria-label="Export data"
                 >
                   <Download size={18} />
                 </button>
@@ -109,15 +111,17 @@ export function Layout({ children, onSettingsClick }: LayoutProps) {
             )}
             <button
               onClick={toggle}
-              className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer"
+              className="p-2 sm:p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer touch-manipulation"
+              aria-label="Toggle theme"
             >
               {isDark ? <Sun size={18} /> : <Moon size={18} />}
             </button>
             {user && onSettingsClick && (
               <button
                 onClick={onSettingsClick}
-                className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer"
+                className="p-2 sm:p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer touch-manipulation"
                 title="Settings"
+                aria-label="Settings"
               >
                 <Settings size={18} />
               </button>
@@ -125,7 +129,8 @@ export function Layout({ children, onSettingsClick }: LayoutProps) {
             {user && (
               <button
                 onClick={logout}
-                className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer"
+                className="p-2 sm:p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 transition-colors cursor-pointer touch-manipulation"
+                aria-label="Logout"
               >
                 <LogOut size={18} />
               </button>
@@ -133,7 +138,7 @@ export function Layout({ children, onSettingsClick }: LayoutProps) {
           </div>
         </div>
       </header>
-      <main className="max-w-6xl mx-auto px-4 py-8">{children}</main>
+      <main className="max-w-6xl mx-auto px-4 py-4 sm:py-8">{children}</main>
 
       <Modal isOpen={showImportConfirm} onClose={() => setShowImportConfirm(false)} title="Import Data">
         <div className="space-y-4">
@@ -147,11 +152,11 @@ export function Layout({ children, onSettingsClick }: LayoutProps) {
               <div>{pendingImport.months.length} months</div>
             </div>
           )}
-          <div className="flex gap-2">
-            <Button onClick={confirmImport} disabled={importing}>
+          <div className="flex flex-col sm:flex-row gap-2">
+            <Button onClick={confirmImport} disabled={importing} className="w-full sm:w-auto">
               {importing ? "Importing..." : "Replace My Data"}
             </Button>
-            <Button variant="ghost" onClick={() => setShowImportConfirm(false)}>
+            <Button variant="ghost" onClick={() => setShowImportConfirm(false)} className="w-full sm:w-auto">
               Cancel
             </Button>
           </div>
diff --git a/frontend/src/components/MonthNav.tsx b/frontend/src/components/MonthNav.tsx
index 57e19fc..99d1cdf 100644
--- a/frontend/src/components/MonthNav.tsx
+++ b/frontend/src/components/MonthNav.tsx
@@ -47,17 +47,18 @@ export function MonthNav({
   if (!selectedMonth) return null;
 
   return (
-    <div className="flex items-center justify-between mb-8">
-      <div className="flex items-center gap-4">
+    <div className="flex flex-col sm:flex-row items-start sm:items-center justify-between gap-4 mb-6 sm:mb-8">
+      <div className="flex items-center gap-2 sm:gap-4">
         <button
           onClick={goPrev}
           disabled={currentIndex >= months.length - 1}
-          className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 disabled:opacity-30 transition-colors"
+          className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 disabled:opacity-30 transition-colors touch-manipulation"
+          aria-label="Previous month"
         >
           <ChevronLeft size={20} />
         </button>
         <div className="text-center">
-          <div className="text-2xl font-semibold text-charcoal-900 dark:text-sand-50">
+          <div className="text-xl sm:text-2xl font-semibold text-charcoal-900 dark:text-sand-50">
             {MONTH_NAMES[selectedMonth.month - 1]} {selectedMonth.year}
           </div>
           <div className="text-xs text-charcoal-500 dark:text-charcoal-400 flex items-center justify-center gap-1">
@@ -74,21 +75,22 @@ export function MonthNav({
         <button
           onClick={goNext}
           disabled={currentIndex <= 0}
-          className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 disabled:opacity-30 transition-colors"
+          className="p-2 hover:bg-sand-200 dark:hover:bg-charcoal-800 disabled:opacity-30 transition-colors touch-manipulation"
+          aria-label="Next month"
         >
           <ChevronRight size={20} />
         </button>
       </div>
 
-      <div className="flex items-center gap-2">
+      <div className="flex items-center gap-2 w-full sm:w-auto">
         {selectedMonth.is_closed && (
-          <Button variant="ghost" size="sm" onClick={onDownloadPdf}>
+          <Button variant="ghost" size="sm" onClick={onDownloadPdf} className="flex-1 sm:flex-none">
             <FileDown size={16} className="mr-2" />
             PDF
           </Button>
         )}
         {canClose && (
-          <Button variant="primary" size="sm" onClick={onClose}>
+          <Button variant="primary" size="sm" onClick={onClose} className="flex-1 sm:flex-none">
             Close Month
           </Button>
         )}
diff --git a/frontend/src/components/Summary.tsx b/frontend/src/components/Summary.tsx
index f5f0fa9..62b16ae 100644
--- a/frontend/src/components/Summary.tsx
+++ b/frontend/src/components/Summary.tsx
@@ -52,20 +52,20 @@ export function Summary({ totalIncome, totalFixed, totalSpent, remaining, extraC
           <div className="text-xs text-charcoal-500 dark:text-charcoal-400 mb-1">
             {item.label}
           </div>
-          <div className={`text-xl font-semibold ${item.color}`}>
+          <div className={`text-lg sm:text-xl font-semibold ${item.color}`}>
             ${Math.abs(item.value).toFixed(2)}
             {item.label === "Remaining" && item.value < 0 && (
               <span className="text-xs ml-1">deficit</span>
             )}
           </div>
         </div>
-        <item.icon size={20} className={item.color} />
+        <item.icon size={18} className={`${item.color} sm:w-5 sm:h-5`} />
       </div>
     </Card>
   );
 
   return (
-    <div className={`grid grid-cols-2 gap-4 ${extraCard ? "lg:grid-cols-5" : "lg:grid-cols-4"}`}>
+    <div className={`grid grid-cols-2 gap-3 sm:gap-4 ${extraCard ? "lg:grid-cols-5" : "lg:grid-cols-4"}`}>
       {items.map(renderCard)}
       {extraCard}
       {itemsAfter.map(renderCard)}
diff --git a/frontend/src/pages/Dashboard.tsx b/frontend/src/pages/Dashboard.tsx
index 7ddb0e7..def0566 100644
--- a/frontend/src/pages/Dashboard.tsx
+++ b/frontend/src/pages/Dashboard.tsx
@@ -61,27 +61,31 @@ export function Dashboard({ onSettingsClick }: DashboardProps) {
 
   return (
     <Layout onSettingsClick={onSettingsClick}>
-      <div className="flex items-center justify-between mb-4">
-        <div className="flex items-center gap-4">
-          <MonthNav
-            months={months}
-            selectedMonthId={selectedMonthId}
-            onSelect={selectMonth}
-            onClose={closeMonth}
-            onDownloadPdf={downloadPdf}
-          />
-          <div className="w-36">
-            <SavingsCard onSavingsChange={handleSavingsChange} />
+      <div className="space-y-4 mb-4">
+        <MonthNav
+          months={months}
+          selectedMonthId={selectedMonthId}
+          onSelect={selectMonth}
+          onClose={closeMonth}
+          onDownloadPdf={downloadPdf}
+        />
+        <div className="flex flex-col sm:flex-row items-stretch sm:items-center justify-between gap-4">
+          <div className="flex flex-col sm:flex-row gap-3 sm:gap-4 w-full sm:w-auto">
+            <div className="w-full sm:w-36">
+              <SavingsCard onSavingsChange={handleSavingsChange} />
+            </div>
+            <div className="w-full sm:w-36">
+              <ProjectedSavingsCard
+                savings={savings}
+                remaining={summary.remaining}
+                onAnalyzeClick={() => setShowVarianceModal(true)}
+              />
+            </div>
           </div>
-          <div className="w-36">
-            <ProjectedSavingsCard
-              savings={savings}
-              remaining={summary.remaining}
-              onAnalyzeClick={() => setShowVarianceModal(true)}
-            />
+          <div className="hidden lg:block">
+            <Stats />
           </div>
         </div>
-        <Stats />
       </div>
 
       <div className="space-y-6">
diff --git a/frontend/src/pages/Settings.tsx b/frontend/src/pages/Settings.tsx
index b1eac39..2919f6a 100644
--- a/frontend/src/pages/Settings.tsx
+++ b/frontend/src/pages/Settings.tsx
@@ -104,19 +104,19 @@ export function Settings({ onBack }: SettingsProps) {
       <div className="max-w-2xl mx-auto">
         <button
           onClick={onBack}
-          className="mb-6 flex items-center gap-2 text-sm text-charcoal-600 dark:text-charcoal-400 hover:text-charcoal-900 dark:hover:text-sand-100 transition-colors"
+          className="mb-4 sm:mb-6 flex items-center gap-2 text-sm text-charcoal-600 dark:text-charcoal-400 hover:text-charcoal-900 dark:hover:text-sand-100 transition-colors touch-manipulation"
         >
           <ArrowLeft size={16} />
           Back to Dashboard
         </button>
 
-        <h1 className="text-2xl font-semibold mb-8 text-charcoal-800 dark:text-sand-100">
+        <h1 className="text-xl sm:text-2xl font-semibold mb-6 sm:mb-8 text-charcoal-800 dark:text-sand-100">
           Settings
         </h1>
 
-        <div className="space-y-8">
-          <div className="bg-sand-100 dark:bg-charcoal-900 p-6 border border-sand-200 dark:border-charcoal-800">
-            <h2 className="text-lg font-medium mb-4 text-charcoal-800 dark:text-sand-100">
+        <div className="space-y-6 sm:space-y-8">
+          <div className="bg-sand-100 dark:bg-charcoal-900 p-4 sm:p-6 border border-sand-200 dark:border-charcoal-800">
+            <h2 className="text-base sm:text-lg font-medium mb-4 text-charcoal-800 dark:text-sand-100">
               Change Username
             </h2>
             <form onSubmit={handleChangeUsername} className="space-y-4">
@@ -140,8 +140,8 @@ export function Settings({ onBack }: SettingsProps) {
             </form>
           </div>
 
-          <div className="bg-sand-100 dark:bg-charcoal-900 p-6 border border-sand-200 dark:border-charcoal-800">
-            <h2 className="text-lg font-medium mb-4 text-charcoal-800 dark:text-sand-100">
+          <div className="bg-sand-100 dark:bg-charcoal-900 p-4 sm:p-6 border border-sand-200 dark:border-charcoal-800">
+            <h2 className="text-base sm:text-lg font-medium mb-4 text-charcoal-800 dark:text-sand-100">
               Change Password
             </h2>
             <form onSubmit={handleChangePassword} className="space-y-4">
@@ -181,8 +181,8 @@ export function Settings({ onBack }: SettingsProps) {
             </form>
           </div>
 
-          <div className="bg-terracotta-50 dark:bg-charcoal-900 p-6 border-2 border-terracotta-300 dark:border-terracotta-800">
-            <h2 className="text-lg font-medium mb-2 text-terracotta-800 dark:text-terracotta-300">
+          <div className="bg-terracotta-50 dark:bg-charcoal-900 p-4 sm:p-6 border-2 border-terracotta-300 dark:border-terracotta-800">
+            <h2 className="text-base sm:text-lg font-medium mb-2 text-terracotta-800 dark:text-terracotta-300">
               Danger Zone
             </h2>
             <p className="text-sm text-charcoal-600 dark:text-charcoal-400 mb-4">
@@ -229,8 +229,8 @@ export function Settings({ onBack }: SettingsProps) {
           {deleteError && (
             <p className="text-sm text-terracotta-600">{deleteError}</p>
           )}
-          <div className="flex gap-2">
-            <Button variant="danger" onClick={handleClearData} disabled={deleteLoading}>
+          <div className="flex flex-col sm:flex-row gap-2">
+            <Button variant="danger" onClick={handleClearData} disabled={deleteLoading} className="w-full sm:w-auto">
               {deleteLoading ? "Deleting..." : "Yes, Delete Everything"}
             </Button>
             <Button
@@ -241,6 +241,7 @@ export function Settings({ onBack }: SettingsProps) {
                 setDeleteError("");
               }}
               disabled={deleteLoading}
+              className="w-full sm:w-auto"
             >
               Cancel
             </Button>