diff --git a/app/lib/features/accounts/accounts_page.dart b/app/lib/features/accounts/accounts_page.dart
index 4cc636b..15b5cbf 100644
--- a/app/lib/features/accounts/accounts_page.dart
+++ b/app/lib/features/accounts/accounts_page.dart
@@ -5,9 +5,11 @@ import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
 import '../../core/auth/auth_controller.dart';
+import '../../core/cache/cached.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
 import '../../core/widgets/money_text.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'providers.dart';
 
 const _roleOrder = [AccountRole.liquid, AccountRole.savings, AccountRole.investment, AccountRole.debt];
@@ -42,6 +44,7 @@ class AccountsPage extends ConsumerWidget {
   @override
   Widget build(BuildContext context, WidgetRef ref) {
     final accounts = ref.watch(accountsProvider);
+    final stale = oldestFetch([accounts.valueOrNull?.fetchedAt]);
 
     return Scaffold(
       appBar: AppBar(title: const Text('Счета')),
@@ -50,7 +53,8 @@ class AccountsPage extends ConsumerWidget {
         child: AsyncValueView(
           value: accounts,
           onRetry: () => ref.invalidate(accountsProvider),
-          data: (rows) {
+          data: (cached) {
+            final rows = cached.data;
             if (rows.isEmpty) {
               return ListView(
                 children: const [
@@ -66,6 +70,7 @@ class AccountsPage extends ConsumerWidget {
             return ListView(
               padding: const EdgeInsets.all(16),
               children: [
+                if (stale != null) StaleBanner(fetchedAt: stale),
                 for (final role in _roleOrder)
                   if (active.any((a) => a.role == role))
                     _RoleSection(
diff --git a/app/lib/features/accounts/providers.dart b/app/lib/features/accounts/providers.dart
index 1f2e25f..0b83968 100644
--- a/app/lib/features/accounts/providers.dart
+++ b/app/lib/features/accounts/providers.dart
@@ -2,15 +2,18 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 
-/// Every account, archived included — screens decide what to show.
-final accountsProvider = FutureProvider.autoDispose<List<AccountOut>>((ref) async {
+/// Every account, archived included — screens decide what to show. See
+/// `docs/ai/offline-cache.md`: Счета reads `.data` and shows the offline banner;
+/// `accountNamesProvider` and the other consumers (Транзакции, События) just unwrap `.data`.
+final accountsProvider = FutureProvider.autoDispose<Cached<List<AccountOut>>>((ref) async {
   final r = await ref.watch(apiProvider).getAccountsApi().accountsList();
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
 /// `account_id -> name`, for screens that only carry the id (transactions, rules).
 final accountNamesProvider = Provider.autoDispose<Map<int, String>>((ref) {
-  final accounts = ref.watch(accountsProvider).valueOrNull ?? const [];
+  final accounts = ref.watch(accountsProvider).valueOrNull?.data ?? const [];
   return {for (final a in accounts) a.id: a.name};
 });
diff --git a/app/lib/features/cashflow/cashflow_page.dart b/app/lib/features/cashflow/cashflow_page.dart
index 472c9a3..f0d2438 100644
--- a/app/lib/features/cashflow/cashflow_page.dart
+++ b/app/lib/features/cashflow/cashflow_page.dart
@@ -5,11 +5,13 @@ import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 import 'package:go_router/go_router.dart';
 
+import '../../core/cache/cached.dart';
 import '../../core/theme/chart_colors.dart';
 import '../../core/utils/ru_date.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
 import '../../core/widgets/money_text.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'providers.dart';
 
 const _incomeColor = ChartColors.income;
@@ -26,6 +28,7 @@ class CashflowPage extends ConsumerWidget {
   @override
   Widget build(BuildContext context, WidgetRef ref) {
     final monthly = ref.watch(cashflowMonthly24Provider);
+    final stale = oldestFetch([monthly.valueOrNull?.fetchedAt]);
 
     return Scaffold(
       appBar: AppBar(title: const Text('Потоки')),
@@ -34,7 +37,8 @@ class CashflowPage extends ConsumerWidget {
         child: AsyncValueView(
           value: monthly,
           onRetry: () => ref.invalidate(cashflowMonthly24Provider),
-          data: (rows) {
+          data: (cached) {
+            final rows = cached.data;
             if (rows.isEmpty) {
               return ListView(
                 children: const [
@@ -48,6 +52,7 @@ class CashflowPage extends ConsumerWidget {
             return ListView(
               padding: const EdgeInsets.all(16),
               children: [
+                if (stale != null) StaleBanner(fetchedAt: stale),
                 const _Legend(),
                 const SizedBox(height: 8),
                 SizedBox(
diff --git a/app/lib/features/cashflow/providers.dart b/app/lib/features/cashflow/providers.dart
index 4d8a068..7b5d27d 100644
--- a/app/lib/features/cashflow/providers.dart
+++ b/app/lib/features/cashflow/providers.dart
@@ -2,9 +2,10 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 
-/// The last 24 months, oldest first (as the API returns them).
-final cashflowMonthly24Provider = FutureProvider.autoDispose<List<CashFlowMonth>>((ref) async {
+/// The last 24 months, oldest first (as the API returns them). See `docs/ai/offline-cache.md`.
+final cashflowMonthly24Provider = FutureProvider.autoDispose<Cached<List<CashFlowMonth>>>((ref) async {
   final r = await ref.watch(apiProvider).getCashflowApi().cashflowMonthly(months: 24);
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
diff --git a/app/lib/features/categories/categories_page.dart b/app/lib/features/categories/categories_page.dart
index 6cf057a..121373c 100644
--- a/app/lib/features/categories/categories_page.dart
+++ b/app/lib/features/categories/categories_page.dart
@@ -3,11 +3,13 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
+import '../../core/cache/cached.dart';
 import '../../core/theme/chart_colors.dart';
 import '../../core/utils/ru_date.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
 import '../../core/widgets/money_text.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'providers.dart';
 
 class _Group {
@@ -79,6 +81,7 @@ class _CategoriesPageState extends ConsumerState<CategoriesPage> {
   Widget build(BuildContext context) {
     final month = ref.watch(selectedSpendingMonthProvider);
     final spending = ref.watch(spendingProvider(month));
+    final stale = oldestFetch([spending.valueOrNull?.fetchedAt]);
 
     return Scaffold(
       appBar: AppBar(title: const Text('Категории')),
@@ -108,10 +111,12 @@ class _CategoriesPageState extends ConsumerState<CategoriesPage> {
               ],
             ),
             const SizedBox(height: 8),
+            if (stale != null) StaleBanner(fetchedAt: stale),
             AsyncValueView(
               value: spending,
               onRetry: () => ref.invalidate(spendingProvider(month)),
-              data: (rows) {
+              data: (cached) {
+                final rows = cached.data;
                 if (rows.isEmpty) {
                   return const EmptyState(
                     icon: Icons.donut_small_outlined,
diff --git a/app/lib/features/categories/providers.dart b/app/lib/features/categories/providers.dart
index 1730378..29fda27 100644
--- a/app/lib/features/categories/providers.dart
+++ b/app/lib/features/categories/providers.dart
@@ -2,9 +2,11 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import '../../core/utils/ru_date.dart';
 
-/// Flat ZenMoney tag tree — the client nests it by `parent_id` where needed.
+/// Flat ZenMoney tag tree — the client nests it by `parent_id` where needed. Shared with
+/// Транзакции; not wrapped in `Cached` since it is a lookup, not a screen's own primary read.
 final categoriesListProvider = FutureProvider.autoDispose<List<CategoryOut>>((ref) async {
   final r = await ref.watch(apiProvider).getCategoriesApi().categoriesList();
   return r.data ?? const [];
@@ -16,11 +18,12 @@ final categoryNamesProvider = Provider.autoDispose<Map<int, String>>((ref) {
   return {for (final c in categories) c.id: c.name};
 });
 
-/// Spending by category for one month (`YYYY-MM`); null means "the latest month".
+/// Spending by category for one month (`YYYY-MM`); null means "the latest month". See
+/// `docs/ai/offline-cache.md`.
 final spendingProvider =
-    FutureProvider.autoDispose.family<List<SpendingRow>, String?>((ref, month) async {
+    FutureProvider.autoDispose.family<Cached<List<SpendingRow>>, String?>((ref, month) async {
   final r = await ref.watch(apiProvider).getCashflowApi().cashflowSpending(month: month);
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
 /// The month currently selected on the Категории screen, `YYYY-MM`.
diff --git a/app/lib/features/events/events_page.dart b/app/lib/features/events/events_page.dart
index e2e3e14..024a912 100644
--- a/app/lib/features/events/events_page.dart
+++ b/app/lib/features/events/events_page.dart
@@ -97,7 +97,7 @@ class _EventsPageState extends ConsumerState<EventsPage> {
     final state = ref.watch(eventsControllerProvider);
     final filter = ref.watch(eventsControllerProvider.notifier).filter;
     final accountNames = ref.watch(accountNamesProvider);
-    final accounts = ref.watch(accountsProvider).valueOrNull ?? const <AccountOut>[];
+    final accounts = ref.watch(accountsProvider).valueOrNull?.data ?? const <AccountOut>[];
 
     return Scaffold(
       appBar: AppBar(
diff --git a/app/lib/features/goals/data/goals_api.dart b/app/lib/features/goals/data/goals_api.dart
index 208347b..1c2083d 100644
--- a/app/lib/features/goals/data/goals_api.dart
+++ b/app/lib/features/goals/data/goals_api.dart
@@ -11,6 +11,7 @@ library;
 
 import 'package:dio/dio.dart';
 
+import '../../../core/cache/cached.dart';
 import '../../../core/utils/json.dart';
 
 class Goal {
@@ -125,11 +126,14 @@ class GoalsApi {
 
   static const _base = '/api/v1/goals';
 
-  Future<List<Goal>> list() async {
+  /// See `docs/ai/offline-cache.md`: this hand-written client returns `Cached<T>` directly
+  /// (there is no generated `Response<T>` for `GoalsPage` to unwrap `r.cached` from).
+  Future<Cached<List<Goal>>> list() async {
     final r = await _dio.get<List<dynamic>>(_base);
-    return (r.data ?? const [])
+    final goals = (r.data ?? const [])
         .map((e) => Goal.fromJson(Map<String, dynamic>.from(e as Map)))
         .toList();
+    return Cached(goals, fetchedAt: r.extra['fetchedAt'] as DateTime?);
   }
 
   Future<Goal> create(Goal goal) async {
@@ -144,8 +148,11 @@ class GoalsApi {
 
   Future<void> delete(int id) => _dio.delete<void>('$_base/$id');
 
-  Future<GoalProgress> progress(int id) async {
+  Future<Cached<GoalProgress>> progress(int id) async {
     final r = await _dio.get<Map<String, dynamic>>('$_base/$id/progress');
-    return GoalProgress.fromJson(r.data ?? const {});
+    return Cached(
+      GoalProgress.fromJson(r.data ?? const {}),
+      fetchedAt: r.extra['fetchedAt'] as DateTime?,
+    );
   }
 }
diff --git a/app/lib/features/goals/goal_card.dart b/app/lib/features/goals/goal_card.dart
index a925f4a..fc8b7bf 100644
--- a/app/lib/features/goals/goal_card.dart
+++ b/app/lib/features/goals/goal_card.dart
@@ -86,7 +86,7 @@ class GoalCard extends ConsumerWidget {
             AsyncValueView(
               value: progress,
               onRetry: () => ref.invalidate(goalProgressProvider(goal.id)),
-              data: (p) => GoalProgressView(goal: goal, progress: p),
+              data: (cached) => GoalProgressView(goal: goal, progress: cached.data),
             ),
           ],
         ),
diff --git a/app/lib/features/goals/goals_page.dart b/app/lib/features/goals/goals_page.dart
index 5448d3f..892971f 100644
--- a/app/lib/features/goals/goals_page.dart
+++ b/app/lib/features/goals/goals_page.dart
@@ -1,9 +1,11 @@
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
+import '../../core/cache/cached.dart';
 import '../../core/utils/json.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'data/goals_api.dart';
 import 'goal_card.dart';
 import 'goal_edit_dialog.dart';
@@ -78,6 +80,13 @@ class _GoalsPageState extends ConsumerState<GoalsPage> {
   @override
   Widget build(BuildContext context) {
     final goals = ref.watch(goalsProvider);
+    // Every card's own progress fetch counts toward the one banner too — a fresh list with a
+    // stale progress card is still an offline dashboard, just not a visibly empty one.
+    final goalIds = [for (final g in goals.valueOrNull?.data ?? const <Goal>[]) g.id];
+    final stale = oldestFetch([
+      goals.valueOrNull?.fetchedAt,
+      for (final id in goalIds) ref.watch(goalProgressProvider(id)).valueOrNull?.fetchedAt,
+    ]);
 
     return Scaffold(
       appBar: AppBar(
@@ -105,12 +114,14 @@ class _GoalsPageState extends ConsumerState<GoalsPage> {
         child: AsyncValueView(
           value: goals,
           onRetry: () => ref.invalidate(goalsProvider),
-          data: (all) {
+          data: (cached) {
+            final all = cached.data;
             final rows = _showArchived ? all : all.where((g) => !g.archived).toList();
             if (rows.isEmpty) {
               return ListView(
                 padding: const EdgeInsets.all(16),
                 children: [
+                  if (stale != null) StaleBanner(fetchedAt: stale),
                   const SizedBox(height: 48),
                   EmptyState(
                     icon: Icons.flag_outlined,
@@ -125,6 +136,7 @@ class _GoalsPageState extends ConsumerState<GoalsPage> {
             return ListView(
               padding: const EdgeInsets.fromLTRB(16, 16, 16, 88),
               children: [
+                if (stale != null) StaleBanner(fetchedAt: stale),
                 for (final g in rows)
                   Padding(
                     padding: const EdgeInsets.only(bottom: 12),
diff --git a/app/lib/features/goals/providers.dart b/app/lib/features/goals/providers.dart
index 878bd6f..6e3f006 100644
--- a/app/lib/features/goals/providers.dart
+++ b/app/lib/features/goals/providers.dart
@@ -1,17 +1,19 @@
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import 'data/goals_api.dart';
 
 final goalsApiProvider = Provider<GoalsApi>((ref) => GoalsApi(ref.watch(apiProvider).dio));
 
+/// See `docs/ai/offline-cache.md`.
 final goalsProvider =
-    FutureProvider.autoDispose<List<Goal>>((ref) => ref.watch(goalsApiProvider).list());
+    FutureProvider.autoDispose<Cached<List<Goal>>>((ref) => ref.watch(goalsApiProvider).list());
 
 /// Progress is computed server-side and refetched per goal — the client never projects
 /// anything itself.
 final goalProgressProvider =
-    FutureProvider.autoDispose.family<GoalProgress, int>((ref, id) async {
+    FutureProvider.autoDispose.family<Cached<GoalProgress>, int>((ref, id) async {
   return ref.watch(goalsApiProvider).progress(id);
 });
 
diff --git a/app/lib/features/income/calendar_tab.dart b/app/lib/features/income/calendar_tab.dart
index c9ced33..7cfeaa9 100644
--- a/app/lib/features/income/calendar_tab.dart
+++ b/app/lib/features/income/calendar_tab.dart
@@ -29,30 +29,33 @@ class IncomeCalendarTab extends ConsumerWidget {
       child: AsyncValueView(
         value: calendar,
         onRetry: () => ref.invalidate(incomeCalendarProvider),
-        data: (data) => ListView(
-          padding: const EdgeInsets.all(16),
-          children: [
-            const _CalendarControls(),
-            const SizedBox(height: 12),
-            _Totals(data: data),
-            const SizedBox(height: 16),
-            if (data.entries.isEmpty)
-              const Padding(
-                padding: EdgeInsets.only(top: 48),
-                child: EmptyState(
-                  icon: Icons.event_available_outlined,
-                  message: 'Ожидаемых выплат в этом окне нет.\n'
-                      'Либо по бумагам нет объявленных выплат и истории, либо портфель пуст.',
-                ),
-              )
-            else
-              for (final group in _groupByMonth(data.entries))
-                Padding(
-                  padding: const EdgeInsets.only(bottom: 12),
-                  child: _MonthCard(month: group.key, entries: group.value),
-                ),
-          ],
-        ),
+        data: (cached) {
+          final data = cached.data;
+          return ListView(
+            padding: const EdgeInsets.all(16),
+            children: [
+              const _CalendarControls(),
+              const SizedBox(height: 12),
+              _Totals(data: data),
+              const SizedBox(height: 16),
+              if (data.entries.isEmpty)
+                const Padding(
+                  padding: EdgeInsets.only(top: 48),
+                  child: EmptyState(
+                    icon: Icons.event_available_outlined,
+                    message: 'Ожидаемых выплат в этом окне нет.\n'
+                        'Либо по бумагам нет объявленных выплат и истории, либо портфель пуст.',
+                  ),
+                )
+              else
+                for (final group in _groupByMonth(data.entries))
+                  Padding(
+                    padding: const EdgeInsets.only(bottom: 12),
+                    child: _MonthCard(month: group.key, entries: group.value),
+                  ),
+            ],
+          );
+        },
       ),
     );
   }
diff --git a/app/lib/features/income/data/income_api.dart b/app/lib/features/income/data/income_api.dart
index 1a976db..b509a99 100644
--- a/app/lib/features/income/data/income_api.dart
+++ b/app/lib/features/income/data/income_api.dart
@@ -11,6 +11,7 @@ library;
 
 import 'package:dio/dio.dart';
 
+import '../../../core/cache/cached.dart';
 import '../../../core/utils/json.dart';
 
 /// One expected (or already paid) payment.
@@ -205,7 +206,9 @@ class IncomeApi {
 
   static const _base = '/api/v1/income';
 
-  Future<IncomeCalendar> calendar({
+  /// See `docs/ai/offline-cache.md`: this hand-written client returns `Cached<T>` directly
+  /// (there is no generated `Response<T>` for the screen to unwrap `r.cached` from).
+  Future<Cached<IncomeCalendar>> calendar({
     String scope = 'all',
     DateTime? dateFrom,
     DateTime? dateTo,
@@ -217,10 +220,13 @@ class IncomeApi {
       'date_to': ?_isoDate(dateTo),
       'include_paid': includePaid,
     });
-    return IncomeCalendar.fromJson(r.data ?? const {});
+    return Cached(
+      IncomeCalendar.fromJson(r.data ?? const {}),
+      fetchedAt: r.extra['fetchedAt'] as DateTime?,
+    );
   }
 
-  Future<IncomeHistory> history({
+  Future<Cached<IncomeHistory>> history({
     String scope = 'all',
     String group = 'month',
     DateTime? dateFrom,
@@ -234,15 +240,21 @@ class IncomeApi {
       'date_to': ?_isoDate(dateTo),
       'kind': ?kind,
     });
-    return IncomeHistory.fromJson(r.data ?? const {});
+    return Cached(
+      IncomeHistory.fromJson(r.data ?? const {}),
+      fetchedAt: r.extra['fetchedAt'] as DateTime?,
+    );
   }
 
-  Future<IncomeForecast> forecast({String scope = 'all', int months = 12}) async {
+  Future<Cached<IncomeForecast>> forecast({String scope = 'all', int months = 12}) async {
     final r = await _dio.get<Map<String, dynamic>>('$_base/forecast', queryParameters: {
       'scope': scope,
       'months': months,
     });
-    return IncomeForecast.fromJson(r.data ?? const {});
+    return Cached(
+      IncomeForecast.fromJson(r.data ?? const {}),
+      fetchedAt: r.extra['fetchedAt'] as DateTime?,
+    );
   }
 
   /// `format: date` on the wire. `DateQueryInterceptor` does this for the generated client;
diff --git a/app/lib/features/income/forecast_tab.dart b/app/lib/features/income/forecast_tab.dart
index 0839304..70e9472 100644
--- a/app/lib/features/income/forecast_tab.dart
+++ b/app/lib/features/income/forecast_tab.dart
@@ -30,7 +30,8 @@ class IncomeForecastTab extends ConsumerWidget {
       child: AsyncValueView(
         value: forecast,
         onRetry: () => ref.invalidate(incomeForecastProvider),
-        data: (data) {
+        data: (cached) {
+          final data = cached.data;
           final bases = data.bases;
           return ListView(
             padding: const EdgeInsets.all(16),
diff --git a/app/lib/features/income/history_tab.dart b/app/lib/features/income/history_tab.dart
index 3cf32e4..5a0b354 100644
--- a/app/lib/features/income/history_tab.dart
+++ b/app/lib/features/income/history_tab.dart
@@ -26,7 +26,8 @@ class IncomeHistoryTab extends ConsumerWidget {
       child: AsyncValueView(
         value: history,
         onRetry: () => ref.invalidate(incomeHistoryProvider),
-        data: (data) {
+        data: (cached) {
+          final data = cached.data;
           if (data.rows.isEmpty) {
             return ListView(
               padding: const EdgeInsets.all(16),
diff --git a/app/lib/features/income/income_page.dart b/app/lib/features/income/income_page.dart
index 2485441..23ee364 100644
--- a/app/lib/features/income/income_page.dart
+++ b/app/lib/features/income/income_page.dart
@@ -1,7 +1,9 @@
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
+import '../../core/cache/cached.dart';
 import '../../core/widgets/scope_selector.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'calendar_tab.dart';
 import 'forecast_tab.dart';
 import 'history_tab.dart';
@@ -9,11 +11,21 @@ import 'providers.dart';
 
 /// Доходы: the dividend/coupon calendar, the paid history and the forecast — three views of
 /// one question, so three tabs of one screen rather than three navigation destinations.
+///
+/// One offline banner covers all three tabs (`docs/ai/offline-cache.md`): they share a
+/// scope and `TabBarView` builds all of them eagerly anyway, so watching all three
+/// providers here to compute it costs nothing extra.
 class IncomePage extends ConsumerWidget {
   const IncomePage({super.key});
 
   @override
   Widget build(BuildContext context, WidgetRef ref) {
+    final stale = oldestFetch([
+      ref.watch(incomeCalendarProvider).valueOrNull?.fetchedAt,
+      ref.watch(incomeHistoryProvider).valueOrNull?.fetchedAt,
+      ref.watch(incomeForecastProvider).valueOrNull?.fetchedAt,
+    ]);
+
     return DefaultTabController(
       length: 3,
       child: Scaffold(
@@ -31,8 +43,19 @@ class IncomePage extends ConsumerWidget {
             tabs: [Tab(text: 'Календарь'), Tab(text: 'История'), Tab(text: 'Прогноз')],
           ),
         ),
-        body: const TabBarView(
-          children: [IncomeCalendarTab(), IncomeHistoryTab(), IncomeForecastTab()],
+        body: Column(
+          children: [
+            if (stale != null)
+              Padding(
+                padding: const EdgeInsets.fromLTRB(16, 12, 16, 0),
+                child: StaleBanner(fetchedAt: stale),
+              ),
+            const Expanded(
+              child: TabBarView(
+                children: [IncomeCalendarTab(), IncomeHistoryTab(), IncomeForecastTab()],
+              ),
+            ),
+          ],
         ),
       ),
     );
diff --git a/app/lib/features/income/providers.dart b/app/lib/features/income/providers.dart
index 6cdafa7..bb53902 100644
--- a/app/lib/features/income/providers.dart
+++ b/app/lib/features/income/providers.dart
@@ -1,6 +1,7 @@
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import '../portfolio/providers.dart' show scopeProvider;
 import 'data/income_api.dart';
 
@@ -12,8 +13,8 @@ final calendarMonthsProvider = StateProvider<int>((ref) => 12);
 final calendarIncludePaidProvider = StateProvider<bool>((ref) => false);
 
 /// Доходы shares the portfolio-wide [scopeProvider]: switching the scope on Портфель must
-/// not leave the income calendar showing a different portfolio.
-final incomeCalendarProvider = FutureProvider.autoDispose<IncomeCalendar>((ref) async {
+/// not leave the income calendar showing a different portfolio. See `docs/ai/offline-cache.md`.
+final incomeCalendarProvider = FutureProvider.autoDispose<Cached<IncomeCalendar>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final months = ref.watch(calendarMonthsProvider);
   final includePaid = ref.watch(calendarIncludePaidProvider);
@@ -29,7 +30,7 @@ final incomeCalendarProvider = FutureProvider.autoDispose<IncomeCalendar>((ref)
 /// How far the history goes back, in months.
 final historyMonthsProvider = StateProvider<int>((ref) => 24);
 
-final incomeHistoryProvider = FutureProvider.autoDispose<IncomeHistory>((ref) async {
+final incomeHistoryProvider = FutureProvider.autoDispose<Cached<IncomeHistory>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final months = ref.watch(historyMonthsProvider);
   final now = DateTime.now();
@@ -42,7 +43,7 @@ final incomeHistoryProvider = FutureProvider.autoDispose<IncomeHistory>((ref) as
 
 final forecastMonthsProvider = StateProvider<int>((ref) => 12);
 
-final incomeForecastProvider = FutureProvider.autoDispose<IncomeForecast>((ref) async {
+final incomeForecastProvider = FutureProvider.autoDispose<Cached<IncomeForecast>>((ref) async {
   final scope = ref.watch(scopeProvider);
   return ref
       .watch(incomeApiProvider)
diff --git a/app/lib/features/portfolio/allocation_tab.dart b/app/lib/features/portfolio/allocation_tab.dart
index 86f53a2..94ed9eb 100644
--- a/app/lib/features/portfolio/allocation_tab.dart
+++ b/app/lib/features/portfolio/allocation_tab.dart
@@ -36,7 +36,8 @@ class AllocationTab extends ConsumerWidget {
       child: AsyncValueView(
         value: allocation,
         onRetry: () => ref.invalidate(allocationProvider),
-        data: (rows) {
+        data: (cached) {
+          final rows = cached.data;
           if (rows.isEmpty) {
             return ListView(
               children: const [
diff --git a/app/lib/features/portfolio/benchmarks_card.dart b/app/lib/features/portfolio/benchmarks_card.dart
index b99560d..cf9cf68 100644
--- a/app/lib/features/portfolio/benchmarks_card.dart
+++ b/app/lib/features/portfolio/benchmarks_card.dart
@@ -2,6 +2,7 @@ import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import '../../core/utils/ru_date.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
@@ -13,8 +14,9 @@ final benchmarksApiProvider =
     Provider<BenchmarksApi>((ref) => BenchmarksApi(ref.watch(apiProvider).dio));
 
 /// Benchmark comparison for the current scope. Part of Портфель, not a screen of its own:
-/// «на сколько я обогнал индекс» is a property of the portfolio, not a separate subject.
-final benchmarkRowsProvider = FutureProvider.autoDispose<List<BenchmarkRow>>((ref) async {
+/// «на сколько я обогнал индекс» is a property of the portfolio, not a separate subject. See
+/// `docs/ai/offline-cache.md`.
+final benchmarkRowsProvider = FutureProvider.autoDispose<Cached<List<BenchmarkRow>>>((ref) async {
   final scope = ref.watch(scopeProvider);
   return ref.watch(benchmarksApiProvider).compare(scope: scope);
 });
@@ -34,7 +36,7 @@ class BenchmarksCard extends ConsumerWidget {
     return AsyncValueView(
       value: rows,
       onRetry: () => ref.invalidate(benchmarkRowsProvider),
-      data: (data) => data.isEmpty
+      data: (cached) => cached.data.isEmpty
           ? const EmptyState(
               icon: Icons.compare_arrows,
               message: 'Бенчмарки не настроены — сравнивать не с чем.',
@@ -42,7 +44,7 @@ class BenchmarksCard extends ConsumerWidget {
           : Column(
               crossAxisAlignment: CrossAxisAlignment.start,
               children: [
-                for (final row in data)
+                for (final row in cached.data)
                   Padding(
                     padding: const EdgeInsets.only(bottom: 12),
                     child: _PeriodBlock(row: row),
diff --git a/app/lib/features/portfolio/data/benchmarks_api.dart b/app/lib/features/portfolio/data/benchmarks_api.dart
index f82a066..04e1bed 100644
--- a/app/lib/features/portfolio/data/benchmarks_api.dart
+++ b/app/lib/features/portfolio/data/benchmarks_api.dart
@@ -10,6 +10,7 @@ library;
 
 import 'package:dio/dio.dart';
 
+import '../../../core/cache/cached.dart';
 import '../../../core/utils/json.dart';
 
 /// One benchmark inside one period row.
@@ -92,7 +93,9 @@ class BenchmarksApi {
 
   final Dio _dio;
 
-  Future<List<BenchmarkRow>> compare({
+  /// See `docs/ai/offline-cache.md`: this hand-written client returns `Cached<T>` directly
+  /// (there is no generated `Response<T>` for `BenchmarksCard` to unwrap `r.cached` from).
+  Future<Cached<List<BenchmarkRow>>> compare({
     String scope = 'all',
     List<String> periods = const ['1m', 'ytd', '1y', 'all'],
   }) async {
@@ -101,6 +104,7 @@ class BenchmarksApi {
       // `period` is repeatable; Dio serialises a list as repeated query parameters.
       queryParameters: {'scope': scope, 'period': periods},
     );
-    return asObjects((r.data ?? const {})['rows']).map(BenchmarkRow.fromJson).toList();
+    final rows = asObjects((r.data ?? const {})['rows']).map(BenchmarkRow.fromJson).toList();
+    return Cached(rows, fetchedAt: r.extra['fetchedAt'] as DateTime?);
   }
 }
diff --git a/app/lib/features/portfolio/holdings_tab.dart b/app/lib/features/portfolio/holdings_tab.dart
index 6ca1bf0..9936589 100644
--- a/app/lib/features/portfolio/holdings_tab.dart
+++ b/app/lib/features/portfolio/holdings_tab.dart
@@ -35,7 +35,7 @@ class HoldingsTab extends ConsumerWidget {
           AsyncValueView(
             value: summary,
             onRetry: () => ref.invalidate(portfolioSummaryProvider),
-            data: (s) => _SummaryTiles(summary: s),
+            data: (cached) => _SummaryTiles(summary: cached.data),
           ),
           const SizedBox(height: 20),
           _Card(
@@ -43,9 +43,9 @@ class HoldingsTab extends ConsumerWidget {
             child: AsyncValueView(
               value: series,
               onRetry: () => ref.invalidate(valueSeriesProvider),
-              data: (rows) => rows.isEmpty
+              data: (cached) => cached.data.isEmpty
                   ? const EmptyState(icon: Icons.show_chart, message: 'Пока нет данных.')
-                  : _ValueChart(rows: rows),
+                  : _ValueChart(rows: cached.data),
             ),
           ),
           const SizedBox(height: 16),
@@ -54,9 +54,9 @@ class HoldingsTab extends ConsumerWidget {
             child: AsyncValueView(
               value: returns,
               onRetry: () => ref.invalidate(portfolioReturnsProvider),
-              data: (rows) => rows.isEmpty
+              data: (cached) => cached.data.isEmpty
                   ? const EmptyState(icon: Icons.percent, message: 'Пока нечего считать.')
-                  : _ReturnsTable(rows: rows),
+                  : _ReturnsTable(rows: cached.data),
             ),
           ),
           const SizedBox(height: 16),
@@ -70,12 +70,12 @@ class HoldingsTab extends ConsumerWidget {
             child: AsyncValueView(
               value: holdings,
               onRetry: () => ref.invalidate(holdingsProvider),
-              data: (rows) => rows.isEmpty
+              data: (cached) => cached.data.isEmpty
                   ? const EmptyState(
                       icon: Icons.inventory_2_outlined,
                       message: 'Открытых позиций нет — нужна синхронизация брокера.',
                     )
-                  : _HoldingsTable(rows: rows),
+                  : _HoldingsTable(rows: cached.data),
             ),
           ),
         ],
diff --git a/app/lib/features/portfolio/instrument_page.dart b/app/lib/features/portfolio/instrument_page.dart
index 5f1ce1f..51d4985 100644
--- a/app/lib/features/portfolio/instrument_page.dart
+++ b/app/lib/features/portfolio/instrument_page.dart
@@ -9,6 +9,7 @@ import '../../core/utils/ru_date.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
 import '../../core/widgets/money_text.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'labels.dart';
 import 'providers.dart';
 
@@ -28,43 +29,47 @@ class InstrumentPage extends ConsumerWidget {
 
     return Scaffold(
       appBar: AppBar(
-        title: Text(detail.valueOrNull?.instrument.ticker ??
-            detail.valueOrNull?.instrument.name ??
+        title: Text(detail.valueOrNull?.data.instrument.ticker ??
+            detail.valueOrNull?.data.instrument.name ??
             'Инструмент'),
       ),
       body: AsyncValueView(
         value: detail,
         onRetry: () => ref.invalidate(instrumentProvider(instrumentId)),
-        data: (d) => ListView(
-          padding: const EdgeInsets.all(16),
-          children: [
-            _Header(instrument: d.instrument, holding: d.holding),
-            const SizedBox(height: 16),
-            _Section(
-              title: 'Цена',
-              child: d.prices.isEmpty
-                  ? const EmptyState(
-                      icon: Icons.show_chart,
-                      message: 'Цен нет — стоимость позиции неизвестна.',
-                    )
-                  : _PriceChart(prices: d.prices),
-            ),
-            const SizedBox(height: 16),
-            _Section(
-              title: 'Лоты',
-              child: d.lots.isEmpty
-                  ? const EmptyState(icon: Icons.layers_outlined, message: 'Лотов нет.')
-                  : _LotsTable(lots: d.lots),
-            ),
-            const SizedBox(height: 16),
-            _Section(
-              title: 'События',
-              child: d.events.isEmpty
-                  ? const EmptyState(icon: Icons.receipt_long, message: 'Событий нет.')
-                  : _EventsTable(events: d.events),
-            ),
-          ],
-        ),
+        data: (cached) {
+          final d = cached.data;
+          return ListView(
+            padding: const EdgeInsets.all(16),
+            children: [
+              if (cached.fetchedAt != null) StaleBanner(fetchedAt: cached.fetchedAt!),
+              _Header(instrument: d.instrument, holding: d.holding),
+              const SizedBox(height: 16),
+              _Section(
+                title: 'Цена',
+                child: d.prices.isEmpty
+                    ? const EmptyState(
+                        icon: Icons.show_chart,
+                        message: 'Цен нет — стоимость позиции неизвестна.',
+                      )
+                    : _PriceChart(prices: d.prices),
+              ),
+              const SizedBox(height: 16),
+              _Section(
+                title: 'Лоты',
+                child: d.lots.isEmpty
+                    ? const EmptyState(icon: Icons.layers_outlined, message: 'Лотов нет.')
+                    : _LotsTable(lots: d.lots),
+              ),
+              const SizedBox(height: 16),
+              _Section(
+                title: 'События',
+                child: d.events.isEmpty
+                    ? const EmptyState(icon: Icons.receipt_long, message: 'Событий нет.')
+                    : _EventsTable(events: d.events),
+              ),
+            ],
+          );
+        },
       ),
     );
   }
diff --git a/app/lib/features/portfolio/portfolio_page.dart b/app/lib/features/portfolio/portfolio_page.dart
index 7a87036..d5620e2 100644
--- a/app/lib/features/portfolio/portfolio_page.dart
+++ b/app/lib/features/portfolio/portfolio_page.dart
@@ -2,8 +2,11 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
+import '../../core/cache/cached.dart';
 import '../../core/widgets/async_value_view.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'allocation_tab.dart';
+import 'benchmarks_card.dart';
 import 'holdings_tab.dart';
 import 'providers.dart';
 
@@ -12,11 +15,23 @@ import 'providers.dart';
 /// They are tabs rather than two navigation destinations because they answer two halves of
 /// the same question, and because a tenth item in the bottom bar would leave 40 px per
 /// label on a phone.
+///
+/// One offline banner covers both tabs (`docs/ai/offline-cache.md`) — `TabBarView` builds
+/// both eagerly anyway, so watching every provider here to compute it costs nothing extra.
 class PortfolioPage extends ConsumerWidget {
   const PortfolioPage({super.key});
 
   @override
   Widget build(BuildContext context, WidgetRef ref) {
+    final stale = oldestFetch([
+      ref.watch(portfolioSummaryProvider).valueOrNull?.fetchedAt,
+      ref.watch(holdingsProvider).valueOrNull?.fetchedAt,
+      ref.watch(valueSeriesProvider).valueOrNull?.fetchedAt,
+      ref.watch(portfolioReturnsProvider).valueOrNull?.fetchedAt,
+      ref.watch(benchmarkRowsProvider).valueOrNull?.fetchedAt,
+      ref.watch(allocationProvider).valueOrNull?.fetchedAt,
+    ]);
+
     return DefaultTabController(
       length: 2,
       child: Scaffold(
@@ -27,7 +42,18 @@ class PortfolioPage extends ConsumerWidget {
             tabs: [Tab(text: 'Позиции'), Tab(text: 'Аллокация')],
           ),
         ),
-        body: const TabBarView(children: [HoldingsTab(), AllocationTab()]),
+        body: Column(
+          children: [
+            if (stale != null)
+              Padding(
+                padding: const EdgeInsets.fromLTRB(16, 12, 16, 0),
+                child: StaleBanner(fetchedAt: stale),
+              ),
+            const Expanded(
+              child: TabBarView(children: [HoldingsTab(), AllocationTab()]),
+            ),
+          ],
+        ),
       ),
     );
   }
diff --git a/app/lib/features/portfolio/providers.dart b/app/lib/features/portfolio/providers.dart
index d3eeade..3cf265e 100644
--- a/app/lib/features/portfolio/providers.dart
+++ b/app/lib/features/portfolio/providers.dart
@@ -2,6 +2,7 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import 'benchmarks_card.dart' show benchmarkRowsProvider;
 
 /// The reporting unit every portfolio screen is scoped to: `all`, `account:<id>` or
@@ -9,37 +10,42 @@ import 'benchmarks_card.dart' show benchmarkRowsProvider;
 /// and the instrument card — three screens showing different scopes would be a trap.
 final scopeProvider = StateProvider<String>((ref) => 'all');
 
+/// A small cross-screen selector (Портфель, Доходы, Налоги, the goal dialog), not a screen's
+/// own primary read — left un-cached per `docs/ai/offline-cache.md`. The underlying `GET`
+/// still gets served from the shared cache transparently on a network failure; this provider
+/// just does not surface `fetchedAt` for a banner.
 final scopesProvider = FutureProvider.autoDispose<List<ScopeOut>>((ref) async {
   final r = await ref.watch(apiProvider).getAnalyticsApi().analyticsScopes();
   return r.data ?? const [];
 });
 
-final portfolioSummaryProvider = FutureProvider.autoDispose<SummaryOut>((ref) async {
+/// See `docs/ai/offline-cache.md`.
+final portfolioSummaryProvider = FutureProvider.autoDispose<Cached<SummaryOut>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final r = await ref.watch(apiProvider).getAnalyticsApi().analyticsSummary(scope: scope);
-  return r.data!;
+  return r.cached;
 });
 
-final holdingsProvider = FutureProvider.autoDispose<List<HoldingOut>>((ref) async {
+final holdingsProvider = FutureProvider.autoDispose<Cached<List<HoldingOut>>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final r = await ref.watch(apiProvider).getAnalyticsApi().analyticsHoldings(scope: scope);
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
-final portfolioReturnsProvider = FutureProvider.autoDispose<List<ReturnsOut>>((ref) async {
+final portfolioReturnsProvider = FutureProvider.autoDispose<Cached<List<ReturnsOut>>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final r = await ref.watch(apiProvider).getAnalyticsApi().analyticsReturns(scope: scope);
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
-final allocationProvider = FutureProvider.autoDispose<List<AllocationBucket>>((ref) async {
+final allocationProvider = FutureProvider.autoDispose<Cached<List<AllocationBucket>>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final r = await ref.watch(apiProvider).getAnalyticsApi().analyticsAllocation(scope: scope);
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
 /// Daily portfolio value for the last year, for the chart on Позиции.
-final valueSeriesProvider = FutureProvider.autoDispose<List<ValueDay>>((ref) async {
+final valueSeriesProvider = FutureProvider.autoDispose<Cached<List<ValueDay>>>((ref) async {
   final scope = ref.watch(scopeProvider);
   final now = DateTime.now();
   final r = await ref.watch(apiProvider).getAnalyticsApi().analyticsValueSeries(
@@ -47,17 +53,17 @@ final valueSeriesProvider = FutureProvider.autoDispose<List<ValueDay>>((ref) asy
         from: now.subtract(const Duration(days: 365)),
         to: now,
       );
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
 final instrumentProvider =
-    FutureProvider.autoDispose.family<InstrumentDetail, int>((ref, instrumentId) async {
+    FutureProvider.autoDispose.family<Cached<InstrumentDetail>, int>((ref, instrumentId) async {
   final scope = ref.watch(scopeProvider);
   final r = await ref
       .watch(apiProvider)
       .getInstrumentsApi()
       .instrumentsGet(instrumentId: instrumentId, scope: scope);
-  return r.data!;
+  return r.cached;
 });
 
 /// Every portfolio provider, refreshed together after a metrics rebuild or a pull-to-refresh.
diff --git a/app/lib/features/rebalance/data/rebalance_api.dart b/app/lib/features/rebalance/data/rebalance_api.dart
index a605c38..8f50352 100644
--- a/app/lib/features/rebalance/data/rebalance_api.dart
+++ b/app/lib/features/rebalance/data/rebalance_api.dart
@@ -12,6 +12,7 @@ library;
 import 'package:decimal/decimal.dart';
 import 'package:dio/dio.dart';
 
+import '../../../core/cache/cached.dart';
 import '../../../core/utils/json.dart';
 
 /// The dimensions targets can be set along, as wire strings (`AssetClass` is never exposed
@@ -214,12 +215,14 @@ class RebalanceApi {
   /// is per-dimension, so the set has to be addressable per-dimension as well. Sending
   /// `dimension` is harmless for a server that ignores it and necessary for one that does
   /// not — revisit once the route is in the spec.
-  Future<TargetSet> getTargets(int portfolioId, {String dimension = 'asset_class'}) async {
+  /// See `docs/ai/offline-cache.md`: this hand-written client returns `Cached<T>` directly
+  /// (there is no generated `Response<T>` for the screen to unwrap `r.cached` from).
+  Future<Cached<TargetSet>> getTargets(int portfolioId, {String dimension = 'asset_class'}) async {
     final r = await _dio.get<Map<String, dynamic>>(
       '$_base/$portfolioId/targets',
       queryParameters: {'dimension': dimension},
     );
-    return TargetSet.fromJson(r.data ?? const {});
+    return Cached(TargetSet.fromJson(r.data ?? const {}), fetchedAt: r.extra['fetchedAt'] as DateTime?);
   }
 
   /// Full replacement of one dimension — partial updates are not supported by the contract.
@@ -231,7 +234,7 @@ class RebalanceApi {
     return TargetSet.fromJson(r.data ?? const {});
   }
 
-  Future<RebalancePlan> plan(
+  Future<Cached<RebalancePlan>> plan(
     int portfolioId, {
     String dimension = 'asset_class',
     String? cashAvailable,
@@ -240,6 +243,9 @@ class RebalanceApi {
       '$_base/$portfolioId/rebalance',
       queryParameters: {'dimension': dimension, 'cash_available': ?cashAvailable},
     );
-    return RebalancePlan.fromJson(r.data ?? const {});
+    return Cached(
+      RebalancePlan.fromJson(r.data ?? const {}),
+      fetchedAt: r.extra['fetchedAt'] as DateTime?,
+    );
   }
 }
diff --git a/app/lib/features/rebalance/plan_tab.dart b/app/lib/features/rebalance/plan_tab.dart
index edf4086..6a57607 100644
--- a/app/lib/features/rebalance/plan_tab.dart
+++ b/app/lib/features/rebalance/plan_tab.dart
@@ -31,7 +31,8 @@ class RebalancePlanTab extends ConsumerWidget {
       child: AsyncValueView(
         value: plan,
         onRetry: () => ref.invalidate(rebalancePlanProvider),
-        data: (data) {
+        data: (cached) {
+          final data = cached.data;
           if (data == null) {
             return const EmptyState(
               icon: Icons.balance,
diff --git a/app/lib/features/rebalance/providers.dart b/app/lib/features/rebalance/providers.dart
index bec6ba7..44eba70 100644
--- a/app/lib/features/rebalance/providers.dart
+++ b/app/lib/features/rebalance/providers.dart
@@ -1,6 +1,7 @@
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import '../portfolio/providers.dart' show scopeProvider, scopesProvider;
 import 'data/rebalance_api.dart';
 
@@ -38,18 +39,20 @@ final targetDimensionProvider = StateProvider<String>((ref) => 'asset_class');
 /// What-if cash for the recommendations, as a decimal string. Null = use the real balance.
 final whatIfCashProvider = StateProvider<String?>((ref) => null);
 
-final targetsProvider = FutureProvider.autoDispose<TargetSet>((ref) async {
+/// See `docs/ai/offline-cache.md`. No portfolio selected yet is a live, empty answer — not a
+/// stale one — so it is wrapped with `fetchedAt: null` rather than left unwrapped.
+final targetsProvider = FutureProvider.autoDispose<Cached<TargetSet>>((ref) async {
   final id = ref.watch(selectedPortfolioProvider);
   final dimension = ref.watch(targetDimensionProvider);
-  if (id == null) return TargetSet(dimension: dimension);
+  if (id == null) return Cached(TargetSet(dimension: dimension));
   return ref.watch(rebalanceApiProvider).getTargets(id, dimension: dimension);
 });
 
-final rebalancePlanProvider = FutureProvider.autoDispose<RebalancePlan?>((ref) async {
+final rebalancePlanProvider = FutureProvider.autoDispose<Cached<RebalancePlan?>>((ref) async {
   final id = ref.watch(selectedPortfolioProvider);
   final dimension = ref.watch(targetDimensionProvider);
   final cash = ref.watch(whatIfCashProvider);
-  if (id == null) return null;
+  if (id == null) return const Cached(null);
   return ref.watch(rebalanceApiProvider).plan(id, dimension: dimension, cashAvailable: cash);
 });
 
diff --git a/app/lib/features/rebalance/rebalance_page.dart b/app/lib/features/rebalance/rebalance_page.dart
index d51980b..77b3221 100644
--- a/app/lib/features/rebalance/rebalance_page.dart
+++ b/app/lib/features/rebalance/rebalance_page.dart
@@ -1,8 +1,10 @@
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
+import '../../core/cache/cached.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
+import '../../core/widgets/stale_banner.dart';
 import '../portfolio/labels.dart' show dimensionLabels;
 import 'data/rebalance_api.dart';
 import 'plan_tab.dart';
@@ -12,12 +14,21 @@ import 'targets_tab.dart';
 /// Ребалансировка: the target weights on one tab, the resulting recommendations on the
 /// other. Both are per portfolio and per dimension, so the pickers live in the app bar and
 /// drive both tabs at once.
+///
+/// One offline banner covers both tabs (`docs/ai/offline-cache.md`) — both providers are
+/// already watched by their own tab, so watching them again here to compute it costs
+/// nothing extra. `portfoliosProvider` itself is a selector derived from the un-cached
+/// `scopesProvider` (see `portfolio/providers.dart`) and does not contribute a `fetchedAt`.
 class RebalancePage extends ConsumerWidget {
   const RebalancePage({super.key});
 
   @override
   Widget build(BuildContext context, WidgetRef ref) {
     final portfolios = ref.watch(portfoliosProvider);
+    final stale = oldestFetch([
+      ref.watch(targetsProvider).valueOrNull?.fetchedAt,
+      ref.watch(rebalancePlanProvider).valueOrNull?.fetchedAt,
+    ]);
 
     return DefaultTabController(
       length: 2,
@@ -37,27 +48,38 @@ class RebalancePage extends ConsumerWidget {
             tabs: [Tab(text: 'Целевые веса'), Tab(text: 'Рекомендации')],
           ),
         ),
-        body: AsyncValueView(
-          value: portfolios,
-          onRetry: () => ref.invalidate(portfoliosProvider),
-          data: (list) {
-            if (list.isEmpty) {
-              return const EmptyState(
-                icon: Icons.pie_chart_outline,
-                message: 'Портфелей пока нет.\n'
-                    'Ребалансировка считается по портфелю: заведите его в настройках счетов.',
-              );
-            }
-            final selected = ref.watch(selectedPortfolioProvider);
-            if (selected == null || !list.any((p) => p.id == selected)) {
-              // pick the first portfolio once, after the list is known
-              WidgetsBinding.instance.addPostFrameCallback((_) {
-                ref.read(selectedPortfolioProvider.notifier).state = list.first.id;
-              });
-              return const Center(child: CircularProgressIndicator());
-            }
-            return const TabBarView(children: [TargetsTab(), RebalancePlanTab()]);
-          },
+        body: Column(
+          children: [
+            if (stale != null)
+              Padding(
+                padding: const EdgeInsets.fromLTRB(16, 12, 16, 0),
+                child: StaleBanner(fetchedAt: stale),
+              ),
+            Expanded(
+              child: AsyncValueView(
+                value: portfolios,
+                onRetry: () => ref.invalidate(portfoliosProvider),
+                data: (list) {
+                  if (list.isEmpty) {
+                    return const EmptyState(
+                      icon: Icons.pie_chart_outline,
+                      message: 'Портфелей пока нет.\n'
+                          'Ребалансировка считается по портфелю: заведите его в настройках счетов.',
+                    );
+                  }
+                  final selected = ref.watch(selectedPortfolioProvider);
+                  if (selected == null || !list.any((p) => p.id == selected)) {
+                    // pick the first portfolio once, after the list is known
+                    WidgetsBinding.instance.addPostFrameCallback((_) {
+                      ref.read(selectedPortfolioProvider.notifier).state = list.first.id;
+                    });
+                    return const Center(child: CircularProgressIndicator());
+                  }
+                  return const TabBarView(children: [TargetsTab(), RebalancePlanTab()]);
+                },
+              ),
+            ),
+          ],
         ),
       ),
     );
diff --git a/app/lib/features/rebalance/targets_tab.dart b/app/lib/features/rebalance/targets_tab.dart
index f21bdc7..a9277d1 100644
--- a/app/lib/features/rebalance/targets_tab.dart
+++ b/app/lib/features/rebalance/targets_tab.dart
@@ -77,7 +77,8 @@ class _TargetsTabState extends ConsumerState<TargetsTab> {
     return AsyncValueView(
       value: targets,
       onRetry: () => ref.invalidate(targetsProvider),
-      data: (set) {
+      data: (cached) {
+        final set = cached.data;
         _seed(set, '$portfolioId/$dimension');
         final draft = _draft ?? const <TargetWeight>[];
         return ListView(
diff --git a/app/lib/features/rules/providers.dart b/app/lib/features/rules/providers.dart
index 688f6cb..aece13b 100644
--- a/app/lib/features/rules/providers.dart
+++ b/app/lib/features/rules/providers.dart
@@ -2,19 +2,23 @@ import 'package:fintracker_api/fintracker_api.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 
-final rulesListProvider = FutureProvider.autoDispose<List<RuleOut>>((ref) async {
+/// See `docs/ai/offline-cache.md`.
+final rulesListProvider = FutureProvider.autoDispose<Cached<List<RuleOut>>>((ref) async {
   final r = await ref.watch(apiProvider).getRulesApi().rulesList();
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
-/// Enabled rules that matched nothing in the latest refresh.
-final rulesStaleProvider = FutureProvider.autoDispose<List<RuleOut>>((ref) async {
+/// Enabled rules that matched nothing in the latest refresh — «устарело» here is a business
+/// concept (the rule looks dead), unrelated to the offline-cache staleness this file also
+/// tracks; both happen to be named "stale" in their own domains.
+final rulesStaleProvider = FutureProvider.autoDispose<Cached<List<RuleOut>>>((ref) async {
   final r = await ref.watch(apiProvider).getRulesApi().rulesStale();
-  return r.data ?? const [];
+  return Cached(r.data ?? const [], fetchedAt: r.extra['fetchedAt'] as DateTime?);
 });
 
 final staleRuleIdsProvider = Provider.autoDispose<Set<int>>((ref) {
-  final stale = ref.watch(rulesStaleProvider).valueOrNull ?? const [];
+  final stale = ref.watch(rulesStaleProvider).valueOrNull?.data ?? const [];
   return {for (final r in stale) r.id};
 });
diff --git a/app/lib/features/rules/rules_page.dart b/app/lib/features/rules/rules_page.dart
index 9bc39ea..795a4cb 100644
--- a/app/lib/features/rules/rules_page.dart
+++ b/app/lib/features/rules/rules_page.dart
@@ -5,9 +5,11 @@ import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
 import '../../core/auth/auth_controller.dart';
+import '../../core/cache/cached.dart';
 import '../../core/utils/ru_date.dart';
 import '../../core/widgets/async_value_view.dart';
 import '../../core/widgets/empty_state.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'providers.dart';
 
 String ruleKindLabel(RuleKind k) => switch (k) {
@@ -77,6 +79,10 @@ class RulesPage extends ConsumerWidget {
   Widget build(BuildContext context, WidgetRef ref) {
     final rules = ref.watch(rulesListProvider);
     final staleIds = ref.watch(staleRuleIdsProvider);
+    final stale = oldestFetch([
+      rules.valueOrNull?.fetchedAt,
+      ref.watch(rulesStaleProvider).valueOrNull?.fetchedAt,
+    ]);
 
     return Scaffold(
       appBar: AppBar(
@@ -101,11 +107,13 @@ class RulesPage extends ConsumerWidget {
         child: AsyncValueView(
           value: rules,
           onRetry: () => ref.invalidate(rulesListProvider),
-          data: (rows) {
+          data: (cached) {
+            final rows = cached.data;
             if (rows.isEmpty) {
               return ListView(
-                children: const [
-                  EmptyState(icon: Icons.rule_folder_outlined, message: 'Правил ещё нет.'),
+                children: [
+                  if (stale != null) StaleBanner(fetchedAt: stale),
+                  const EmptyState(icon: Icons.rule_folder_outlined, message: 'Правил ещё нет.'),
                 ],
               );
             }
@@ -113,6 +121,7 @@ class RulesPage extends ConsumerWidget {
             return ListView(
               padding: const EdgeInsets.all(16),
               children: [
+                if (stale != null) StaleBanner(fetchedAt: stale),
                 for (final rule in sorted)
                   _RuleTile(
                     rule: rule,
diff --git a/app/lib/features/tax/data/tax_api.dart b/app/lib/features/tax/data/tax_api.dart
index e3254a2..3941dd6 100644
--- a/app/lib/features/tax/data/tax_api.dart
+++ b/app/lib/features/tax/data/tax_api.dart
@@ -11,6 +11,7 @@ library;
 
 import 'package:dio/dio.dart';
 
+import '../../../core/cache/cached.dart';
 import '../../../core/utils/json.dart';
 
 /// Per-account (or total) tax figures for a year. Every number is an **estimate**: the tax
@@ -153,19 +154,22 @@ class TaxApi {
 
   static const _base = '/api/v1/tax';
 
-  Future<TaxSummary> summary({required int year, int? accountId}) async {
+  /// See `docs/ai/offline-cache.md`: this hand-written client returns `Cached<T>` directly
+  /// (there is no generated `Response<T>` for the screen to unwrap `r.cached` from).
+  Future<Cached<TaxSummary>> summary({required int year, int? accountId}) async {
     final r = await _dio.get<Map<String, dynamic>>(
       _base,
       queryParameters: {'year': year, 'account_id': ?accountId},
     );
-    return TaxSummary.fromJson(r.data ?? const {});
+    return Cached(TaxSummary.fromJson(r.data ?? const {}), fetchedAt: r.extra['fetchedAt'] as DateTime?);
   }
 
-  Future<List<TaxLot>> lots({required int year, int? accountId}) async {
+  Future<Cached<List<TaxLot>>> lots({required int year, int? accountId}) async {
     final r = await _dio.get<Map<String, dynamic>>(
       '$_base/lots',
       queryParameters: {'year': year, 'account_id': ?accountId},
     );
-    return asObjects((r.data ?? const {})['lots']).map(TaxLot.fromJson).toList();
+    final lots = asObjects((r.data ?? const {})['lots']).map(TaxLot.fromJson).toList();
+    return Cached(lots, fetchedAt: r.extra['fetchedAt'] as DateTime?);
   }
 }
diff --git a/app/lib/features/tax/lots_tab.dart b/app/lib/features/tax/lots_tab.dart
index 995be73..3c8b435 100644
--- a/app/lib/features/tax/lots_tab.dart
+++ b/app/lib/features/tax/lots_tab.dart
@@ -35,7 +35,8 @@ class _TaxLotsTabState extends ConsumerState<TaxLotsTab> {
       child: AsyncValueView(
         value: lots,
         onRetry: () => ref.invalidate(taxLotsProvider),
-        data: (all) {
+        data: (cached) {
+          final all = cached.data;
           final near = all.where((l) => l.nearLdv).toList();
           // a copy: the provider's list must not be reordered under other watchers
           final rows = [...(_onlyNearLdv ? near : all)];
diff --git a/app/lib/features/tax/providers.dart b/app/lib/features/tax/providers.dart
index 6ab881b..f780f74 100644
--- a/app/lib/features/tax/providers.dart
+++ b/app/lib/features/tax/providers.dart
@@ -1,6 +1,7 @@
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
 import '../../core/api/api_client.dart';
+import '../../core/cache/cached.dart';
 import 'data/tax_api.dart';
 
 final taxApiProvider = Provider<TaxApi>((ref) => TaxApi(ref.watch(apiProvider).dio));
@@ -10,14 +11,15 @@ final taxYearProvider = StateProvider<int>((ref) => DateTime.now().year);
 /// Optional account filter; null = all accounts.
 final taxAccountProvider = StateProvider<int?>((ref) => null);
 
-final taxSummaryProvider = FutureProvider.autoDispose<TaxSummary>((ref) async {
+/// See `docs/ai/offline-cache.md`.
+final taxSummaryProvider = FutureProvider.autoDispose<Cached<TaxSummary>>((ref) async {
   return ref.watch(taxApiProvider).summary(
         year: ref.watch(taxYearProvider),
         accountId: ref.watch(taxAccountProvider),
       );
 });
 
-final taxLotsProvider = FutureProvider.autoDispose<List<TaxLot>>((ref) async {
+final taxLotsProvider = FutureProvider.autoDispose<Cached<List<TaxLot>>>((ref) async {
   return ref.watch(taxApiProvider).lots(
         year: ref.watch(taxYearProvider),
         accountId: ref.watch(taxAccountProvider),
diff --git a/app/lib/features/tax/summary_tab.dart b/app/lib/features/tax/summary_tab.dart
index aac1833..bb25dbc 100644
--- a/app/lib/features/tax/summary_tab.dart
+++ b/app/lib/features/tax/summary_tab.dart
@@ -22,7 +22,8 @@ class TaxSummaryTab extends ConsumerWidget {
       child: AsyncValueView(
         value: summary,
         onRetry: () => ref.invalidate(taxSummaryProvider),
-        data: (data) {
+        data: (cached) {
+          final data = cached.data;
           final totals = data.totals;
           return ListView(
             padding: const EdgeInsets.all(16),
diff --git a/app/lib/features/tax/tax_page.dart b/app/lib/features/tax/tax_page.dart
index 5ee3a78..fa1c322 100644
--- a/app/lib/features/tax/tax_page.dart
+++ b/app/lib/features/tax/tax_page.dart
@@ -1,6 +1,8 @@
 import 'package:flutter/material.dart';
 import 'package:flutter_riverpod/flutter_riverpod.dart';
 
+import '../../core/cache/cached.dart';
+import '../../core/widgets/stale_banner.dart';
 import 'data/tax_api.dart';
 import 'lots_tab.dart';
 import 'providers.dart';
@@ -16,6 +18,11 @@ class TaxPage extends ConsumerWidget {
 
   @override
   Widget build(BuildContext context, WidgetRef ref) {
+    final stale = oldestFetch([
+      ref.watch(taxSummaryProvider).valueOrNull?.fetchedAt,
+      ref.watch(taxLotsProvider).valueOrNull?.fetchedAt,
+    ]);
+
     return DefaultTabController(
       length: 2,
       child: Scaffold(
@@ -33,10 +40,15 @@ class TaxPage extends ConsumerWidget {
             tabs: [Tab(text: 'Сводка за год'), Tab(text: 'Лоты и ЛДВ')],
           ),
         ),
-        body: const Column(
+        body: Column(
           children: [
-            EstimateBanner(),
-            Expanded(child: TabBarView(children: [TaxSummaryTab(), TaxLotsTab()])),
+            const EstimateBanner(),
+            if (stale != null)
+              Padding(
+                padding: const EdgeInsets.fromLTRB(16, 0, 16, 12),
+                child: StaleBanner(fetchedAt: stale),
+              ),
+            const Expanded(child: TabBarView(children: [TaxSummaryTab(), TaxLotsTab()])),
           ],
         ),
       ),
@@ -50,7 +62,7 @@ class EstimateBanner extends ConsumerWidget {
 
   @override
   Widget build(BuildContext context, WidgetRef ref) {
-    final summary = ref.watch(taxSummaryProvider).valueOrNull;
+    final summary = ref.watch(taxSummaryProvider).valueOrNull?.data;
     final scheme = Theme.of(context).colorScheme;
     final text = summary?.disclaimer ?? TaxSummary.defaultDisclaimer;
 
diff --git a/app/lib/features/transactions/transactions_page.dart b/app/lib/features/transactions/transactions_page.dart
index f2b952f..f5742a2 100644
--- a/app/lib/features/transactions/transactions_page.dart
+++ b/app/lib/features/transactions/transactions_page.dart
@@ -118,7 +118,7 @@ class _TransactionsPageState extends ConsumerState<TransactionsPage> {
     final state = ref.watch(transactionsControllerProvider);
     final controllerFilter = ref.watch(transactionsControllerProvider.notifier).filter;
     final categoryNames = ref.watch(categoryNamesProvider);
-    final accounts = ref.watch(accountsProvider).valueOrNull ?? const <AccountOut>[];
+    final accounts = ref.watch(accountsProvider).valueOrNull?.data ?? const <AccountOut>[];
     final categories = ref.watch(categoriesListProvider).valueOrNull ?? const <CategoryOut>[];
 
     return Scaffold(
diff --git a/app/test/portfolio_test.dart b/app/test/portfolio_test.dart
index d46f221..6a073e4 100644
--- a/app/test/portfolio_test.dart
+++ b/app/test/portfolio_test.dart
@@ -1,6 +1,9 @@
 import 'package:fintracker_api/fintracker_api.dart';
+import 'package:fintracker_app/core/cache/cached.dart';
 import 'package:fintracker_app/core/widgets/money_text.dart';
 import 'package:fintracker_app/features/portfolio/allocation_tab.dart';
+import 'package:fintracker_app/features/portfolio/benchmarks_card.dart';
+import 'package:fintracker_app/features/portfolio/data/benchmarks_api.dart';
 import 'package:fintracker_app/features/portfolio/holdings_tab.dart';
 import 'package:fintracker_app/features/portfolio/labels.dart';
 import 'package:fintracker_app/features/portfolio/providers.dart';
@@ -82,13 +85,16 @@ void main() {
     await pumpTall(tester, _wrap(
       const HoldingsTab(),
       [
-        portfolioSummaryProvider.overrideWith((ref) => summary()),
-        valueSeriesProvider.overrideWith((ref) => const <ValueDay>[]),
-        portfolioReturnsProvider.overrideWith((ref) => const <ReturnsOut>[]),
-        holdingsProvider.overrideWith((ref) => [
+        portfolioSummaryProvider.overrideWith((ref) => Cached(summary())),
+        valueSeriesProvider.overrideWith((ref) => const Cached(<ValueDay>[])),
+        portfolioReturnsProvider.overrideWith((ref) => const Cached(<ReturnsOut>[])),
+        holdingsProvider.overrideWith((ref) => Cached([
               holding(id: 1, ticker: 'GAZP', valueRub: '11000', weight: '1'),
               holding(id: 2, ticker: 'SIBN6P4', priceStatus: 'missing'),
-            ]),
+            ])),
+        // HoldingsTab embeds BenchmarksCard, which watches this too — leaving it out would
+        // fall through to the real apiProvider (see docs/ai/offline-cache.md).
+        benchmarkRowsProvider.overrideWith((ref) => const Cached(<BenchmarkRow>[])),
       ],
     ));
 
@@ -105,10 +111,11 @@ void main() {
     await pumpTall(tester, _wrap(
       const HoldingsTab(),
       [
-        portfolioSummaryProvider.overrideWith((ref) => summary()),
-        valueSeriesProvider.overrideWith((ref) => const <ValueDay>[]),
-        portfolioReturnsProvider.overrideWith((ref) => const <ReturnsOut>[]),
-        holdingsProvider.overrideWith((ref) => const <HoldingOut>[]),
+        portfolioSummaryProvider.overrideWith((ref) => Cached(summary())),
+        valueSeriesProvider.overrideWith((ref) => const Cached(<ValueDay>[])),
+        portfolioReturnsProvider.overrideWith((ref) => const Cached(<ReturnsOut>[])),
+        holdingsProvider.overrideWith((ref) => const Cached(<HoldingOut>[])),
+        benchmarkRowsProvider.overrideWith((ref) => const Cached(<BenchmarkRow>[])),
       ],
     ));
 
@@ -120,7 +127,7 @@ void main() {
     await pumpTall(tester, _wrap(
       const AllocationTab(),
       [
-        allocationProvider.overrideWith((ref) => [
+        allocationProvider.overrideWith((ref) => Cached([
               AllocationBucket(
                 bucket: 'share',
                 dimension: AllocationDimension.assetClass,
@@ -135,7 +142,7 @@ void main() {
                 valueRub: '5700',
                 weight: '0.3413',
               ),
-            ]),
+            ])),
       ],
     ));
 
diff --git a/app/test/rules_page_test.dart b/app/test/rules_page_test.dart
index 47038c8..e8a48ee 100644
--- a/app/test/rules_page_test.dart
+++ b/app/test/rules_page_test.dart
@@ -1,4 +1,5 @@
 import 'package:fintracker_api/fintracker_api.dart';
+import 'package:fintracker_app/core/cache/cached.dart';
 import 'package:fintracker_app/features/rules/providers.dart';
 import 'package:fintracker_app/features/rules/rules_page.dart';
 import 'package:flutter/material.dart';
@@ -10,8 +11,8 @@ void main() {
     await tester.pumpWidget(
       ProviderScope(
         overrides: [
-          rulesListProvider.overrideWith((ref) => const <RuleOut>[]),
-          rulesStaleProvider.overrideWith((ref) => const <RuleOut>[]),
+          rulesListProvider.overrideWith((ref) => const Cached(<RuleOut>[])),
+          rulesStaleProvider.overrideWith((ref) => const Cached(<RuleOut>[])),
         ],
         child: const MaterialApp(home: RulesPage()),
       ),