diff --git a/src/tbank/brokerage-operations.service.spec.ts b/src/tbank/brokerage-operations.service.spec.ts
index 3495f8a..b22ff5a 100644
--- a/src/tbank/brokerage-operations.service.spec.ts
+++ b/src/tbank/brokerage-operations.service.spec.ts
@@ -254,6 +254,50 @@ describe('BrokerageOperationsService', () => {
     expect(tbank.getOperationsByCursor).toHaveBeenCalledTimes(1);
   });
 
+  it('collects every cursor page and rejects a malformed continuation cursor', async () => {
+    tbank.getOperationsByCursor
+      .mockResolvedValueOnce({ hasNext: true, nextCursor: 'next', items: [] })
+      .mockResolvedValueOnce({ hasNext: false, items: [] });
+
+    await expect(
+      service.collectRanges('user', 'account', [
+        { from: '2026-01-01', to: '2026-01-31' },
+      ]),
+    ).resolves.toMatchObject({
+      pages: [[{ hasNext: true }, { hasNext: false }]],
+    });
+
+    tbank.getOperationsByCursor.mockReset();
+    tbank.getOperationsByCursor.mockResolvedValue({
+      hasNext: true,
+      nextCursor: 'same',
+      items: [],
+    });
+    await expect(
+      service.collectRanges('user', 'account', [
+        { from: '2026-02-01', to: '2026-02-28' },
+      ]),
+    ).rejects.toMatchObject({ response: { code: 'TBANK_UNAVAILABLE' } });
+  });
+
+  it('collects an in-progress Moscow day only through the current instant', async () => {
+    jest.useFakeTimers();
+    jest.setSystemTime(new Date('2026-08-27T21:44:18.510Z'));
+
+    await service.collectRanges('user', 'account', [
+      { from: '2026-08-01', to: '2026-08-28' },
+    ]);
+
+    expect(tbank.getOperationsByCursor).toHaveBeenCalledWith(
+      'token',
+      expect.objectContaining({
+        from: { seconds: '1785531600' },
+        to: { seconds: '1787867058' },
+        limit: 1000,
+      }),
+    );
+  });
+
   it('evicts the least recently used ledger page after one hundred entries', async () => {
     for (let index = 0; index < 100; index += 1)
       await service.get('user', 'account', { cursor: String(index) });
diff --git a/src/tbank/brokerage-operations.service.ts b/src/tbank/brokerage-operations.service.ts
index ff8011b..e132044 100644
--- a/src/tbank/brokerage-operations.service.ts
+++ b/src/tbank/brokerage-operations.service.ts
@@ -1,4 +1,4 @@
-import { Injectable } from '@nestjs/common';
+import { Injectable, ServiceUnavailableException } from '@nestjs/common';
 import { LRUCache } from 'lru-cache';
 import { RequestContextService } from '../common/logging/request-context.service';
 import {
@@ -12,6 +12,7 @@ import {
 import { InstrumentMetadataService } from './instrument-metadata.service';
 import { TbankAccessService } from './tbank-access.service';
 import { TbankClient } from './tbank.client';
+import { DateOnlyRange, dateOnlyBounds } from './income-period';
 
 const freshForMs = 30_000;
 const maxCachedPages = 100;
@@ -39,51 +40,123 @@ export class BrokerageOperationsService {
     this.requestContext.set({ userId, brokerageAccountId: accountId });
     const range = this.range(query);
 
-    return this.access.withAccount(userId, accountId, async ({ token }) => {
-      const key = cacheKey(userId, accountId, query, range);
-      const cached = this.pages.get(key);
-      if (cached) return cached;
+    return this.access.withAccount(userId, accountId, ({ token }) =>
+      this.page(token, userId, accountId, query, range),
+    );
+  }
 
-      if (range.from > range.to) {
-        const page = emptyPage(accountId);
-        this.pages.set(key, page);
-        return page;
-      }
-
-      const response = await this.tbank.getOperationsByCursor(token, {
-        accountId,
-        from: seconds(range.from),
-        to: seconds(range.to, /^\d{4}-\d{2}-\d{2}$/.test(query.to ?? '')),
-        cursor: query.cursor,
-        limit: query.limit ?? 100,
-        state: 'OPERATION_STATE_EXECUTED',
-      });
-      const items = (response.items ?? []).filter(
-        (item) =>
-          !query.categories?.length ||
-          query.categories.includes(operationCategory(item.type)),
-      );
-      const logoNames = new Map<string, Promise<string | null>>();
-      const page = {
-        accountId,
-        items: await Promise.all(
-          items.map(async (item) => ({
-            ...mapBrokerageOperation(item),
-            logoName: await this.logoName(
-              token,
-              item.instrumentUid,
-              item.figi,
-              logoNames,
+  async collectRanges(
+    userId: string,
+    accountId: string,
+    ranges:
+      | DateOnlyRange[]
+      | ((accountOpenedAt: Date | undefined) => DateOnlyRange[]),
+  ): Promise<{
+    accountOpenedAt: Date | undefined;
+    pages: BrokerageOperationsPageDto[][];
+  }> {
+    this.requestContext.set({ userId, brokerageAccountId: accountId });
+    return this.access.withAccount(
+      userId,
+      accountId,
+      async ({ token, account }) => {
+        const accountOpenedAt = account.openedDate?.seconds
+          ? new Date(Number(account.openedDate.seconds) * 1000)
+          : undefined;
+        const selected =
+          typeof ranges === 'function' ? ranges(accountOpenedAt) : ranges;
+        return {
+          accountOpenedAt,
+          pages: await Promise.all(
+            selected.map((range) =>
+              this.collectRange(token, userId, accountId, range),
             ),
-          })),
-        ),
-        nextCursor: response.nextCursor || null,
-        hasNext: Boolean(response.hasNext),
-        observedAt: new Date().toISOString(),
-      };
+          ),
+        };
+      },
+    );
+  }
+
+  private async collectRange(
+    token: string,
+    userId: string,
+    accountId: string,
+    range: DateOnlyRange,
+  ): Promise<BrokerageOperationsPageDto[]> {
+    const pages: BrokerageOperationsPageDto[] = [];
+    const seen = new Set<string>();
+    let cursor: string | undefined;
+    do {
+      const page = await this.page(
+        token,
+        userId,
+        accountId,
+        {
+          from: range.from,
+          cursor,
+          limit: 1000,
+          categories: ['income'],
+        },
+        dateOnlyBounds(range),
+      );
+      pages.push(page);
+      if (!page.hasNext) return pages;
+      if (!page.nextCursor || seen.has(page.nextCursor))
+        throw new ServiceUnavailableException({ code: 'TBANK_UNAVAILABLE' });
+      seen.add(page.nextCursor);
+      cursor = page.nextCursor;
+    } while (cursor);
+    return pages;
+  }
+
+  private async page(
+    token: string,
+    userId: string,
+    accountId: string,
+    query: BrokerageOperationsQueryDto,
+    range: { from: Date; to: Date },
+  ): Promise<BrokerageOperationsPageDto> {
+    const key = cacheKey(userId, accountId, query, range);
+    const cached = this.pages.get(key);
+    if (cached) return cached;
+    if (range.from > range.to) {
+      const page = emptyPage(accountId);
       this.pages.set(key, page);
       return page;
+    }
+    const response = await this.tbank.getOperationsByCursor(token, {
+      accountId,
+      from: seconds(range.from),
+      to: seconds(range.to, /^\d{4}-\d{2}-\d{2}$/.test(query.to ?? '')),
+      cursor: query.cursor,
+      limit: query.limit ?? 100,
+      state: 'OPERATION_STATE_EXECUTED',
     });
+    const items = (response.items ?? []).filter(
+      (item) =>
+        !query.categories?.length ||
+        query.categories.includes(operationCategory(item.type)),
+    );
+    const logoNames = new Map<string, Promise<string | null>>();
+    const page = {
+      accountId,
+      items: await Promise.all(
+        items.map(async (item) => ({
+          ...mapBrokerageOperation(item),
+          logoName: await this.logoName(
+            token,
+            item.instrumentUid,
+            item.figi,
+            logoNames,
+          ),
+        })),
+      ),
+      nextCursor: response.nextCursor || null,
+      hasNext: Boolean(response.hasNext),
+      observedAt: new Date().toISOString(),
+    };
+    this.pages.set(key, page);
+    return page;
   }
 
   private range(query: BrokerageOperationsQueryDto) {
diff --git a/src/tbank/decimal.ts b/src/tbank/decimal.ts
index f2c952c..dd6236a 100644
--- a/src/tbank/decimal.ts
+++ b/src/tbank/decimal.ts
@@ -3,6 +3,17 @@ const NANO = 1_000_000_000n;
 export type ProtoDecimal = { units?: string | number; nano?: string | number };
 export type Decimal = { value: bigint; scale: number };
 
+export function decimalFromString(value: string): Decimal {
+  if (!/^-?(?:0|[1-9]\d*)(?:\.\d+)?$/.test(value))
+    throw new Error('Invalid decimal string');
+  const negative = value.startsWith('-');
+  const [whole, fraction = ''] = (negative ? value.slice(1) : value).split('.');
+  return {
+    value: (negative ? -1n : 1n) * BigInt(`${whole}${fraction}`),
+    scale: fraction.length,
+  };
+}
+
 export function decimal(value: ProtoDecimal): Decimal {
   return {
     value: BigInt(value.units ?? 0) * NANO + BigInt(value.nano ?? 0),
@@ -32,9 +43,15 @@ export function isZero(value: Decimal): boolean {
   return value.value === 0n;
 }
 
+export function compare(left: Decimal, right: Decimal): number {
+  const difference = subtract(left, right).value;
+  return difference === 0n ? 0 : difference > 0n ? 1 : -1;
+}
+
 export function formatDecimal({ value, scale }: Decimal): string {
   if (value === 0n) return '0';
   const sign = value < 0n ? '-' : '';
+  if (scale === 0) return `${sign}${value < 0n ? -value : value}`;
   const digits = (value < 0n ? -value : value)
     .toString()
     .padStart(scale + 1, '0');
diff --git a/src/tbank/income-analytics.controller.ts b/src/tbank/income-analytics.controller.ts
new file mode 100644
index 0000000..e8744a5
--- /dev/null
+++ b/src/tbank/income-analytics.controller.ts
@@ -0,0 +1,45 @@
+import { Controller, Get, Param, Query, Req, UseGuards } from '@nestjs/common';
+import { ApiBearerAuth, ApiOkResponse, ApiTags } from '@nestjs/swagger';
+import type { Request } from 'express';
+import { AccessPayload } from '../auth/auth.types';
+import { JwtAuthGuard } from '../auth/jwt-auth.guard';
+import { ApiProblemResponses } from '../common/decorators/api-safe-error-response.decorator';
+import {
+  IncomeAnalyticsDto,
+  IncomeAnalyticsQueryDto,
+  IncomeSummaryDto,
+} from './income-analytics.dto';
+import { IncomeAnalyticsService } from './income-analytics.service';
+
+@ApiTags('brokerage-accounts')
+@ApiProblemResponses()
+@ApiBearerAuth()
+@UseGuards(JwtAuthGuard)
+@Controller('brokerage-accounts')
+export class IncomeAnalyticsController {
+  constructor(private readonly income: IncomeAnalyticsService) {}
+
+  @Get(':accountId/income-summary')
+  @ApiOkResponse({ type: IncomeSummaryDto })
+  summary(
+    @Req() request: Request & { user: AccessPayload },
+    @Param('accountId') accountId: string,
+  ) {
+    return this.income.summary(request.user.sub, accountId);
+  }
+
+  @Get(':accountId/income-analytics')
+  @ApiOkResponse({ type: IncomeAnalyticsDto })
+  analytics(
+    @Req() request: Request & { user: AccessPayload },
+    @Param('accountId') accountId: string,
+    @Query() query: IncomeAnalyticsQueryDto,
+  ) {
+    return this.income.analytics(
+      request.user.sub,
+      accountId,
+      query.from,
+      query.to,
+    );
+  }
+}
diff --git a/src/tbank/income-analytics.dto.ts b/src/tbank/income-analytics.dto.ts
new file mode 100644
index 0000000..60a8c8e
--- /dev/null
+++ b/src/tbank/income-analytics.dto.ts
@@ -0,0 +1,136 @@
+import { ApiProperty, ApiPropertyOptional } from '@nestjs/swagger';
+import { IsOptional, Matches } from 'class-validator';
+import { BrokerageOperationDto } from './brokerage-operation.dto';
+import { MoneyDto } from './portfolio.dto';
+
+const dateOnly = /^\d{4}-\d{2}-\d{2}$/;
+
+export class IncomeAnalyticsQueryDto {
+  @ApiPropertyOptional({ format: 'date' })
+  @IsOptional()
+  @Matches(dateOnly)
+  from?: string;
+
+  @ApiPropertyOptional({ format: 'date' })
+  @IsOptional()
+  @Matches(dateOnly)
+  to?: string;
+}
+
+export class IncomePeriodDto {
+  @ApiProperty({ format: 'date' })
+  from: string;
+
+  @ApiProperty({ format: 'date' })
+  to: string;
+}
+
+export class IncomeCurrencySummaryDto {
+  @ApiProperty()
+  currency: string;
+
+  @ApiProperty({ type: MoneyDto })
+  coupon: MoneyDto;
+
+  @ApiProperty({ type: MoneyDto })
+  dividend: MoneyDto;
+
+  @ApiProperty({ type: MoneyDto })
+  total: MoneyDto;
+}
+
+export class IncomeSummaryDto {
+  @ApiProperty()
+  accountId: string;
+
+  @ApiProperty({ type: IncomePeriodDto })
+  period: IncomePeriodDto;
+
+  @ApiProperty({ type: IncomeCurrencySummaryDto, isArray: true })
+  totalsByCurrency: IncomeCurrencySummaryDto[];
+
+  @ApiProperty({ format: 'date-time' })
+  calculatedAt: string;
+}
+
+export class IncomeComparisonCurrencyDto {
+  @ApiProperty()
+  currency: string;
+
+  @ApiProperty({ type: IncomeCurrencySummaryDto })
+  selected: IncomeCurrencySummaryDto;
+
+  @ApiProperty({ type: IncomeCurrencySummaryDto })
+  compared: IncomeCurrencySummaryDto;
+
+  @ApiProperty({ type: IncomeCurrencySummaryDto })
+  difference: IncomeCurrencySummaryDto;
+}
+
+export class IncomeComparisonDto {
+  @ApiProperty({ type: IncomePeriodDto })
+  period: IncomePeriodDto;
+
+  @ApiProperty({ type: IncomeComparisonCurrencyDto, isArray: true })
+  totalsByCurrency: IncomeComparisonCurrencyDto[];
+}
+
+export class IncomeBucketDto {
+  @ApiProperty({ type: IncomePeriodDto })
+  period: IncomePeriodDto;
+
+  @ApiProperty({ type: IncomeCurrencySummaryDto, isArray: true })
+  totalsByCurrency: IncomeCurrencySummaryDto[];
+}
+
+export class IncomeInstrumentDto {
+  @ApiProperty()
+  key: string;
+
+  @ApiProperty({ type: String, nullable: true })
+  figi: string | null;
+
+  @ApiProperty({ type: String, nullable: true })
+  instrumentUid: string | null;
+
+  @ApiProperty({ type: String, nullable: true })
+  ticker: string | null;
+
+  @ApiProperty({ type: String, nullable: true })
+  instrumentType: string | null;
+
+  @ApiProperty()
+  displayName: string;
+
+  @ApiProperty({ type: MoneyDto })
+  coupon: MoneyDto;
+
+  @ApiProperty({ type: MoneyDto })
+  dividend: MoneyDto;
+
+  @ApiProperty({ type: MoneyDto })
+  total: MoneyDto;
+
+  @ApiProperty()
+  receiptCount: number;
+}
+
+export class IncomeAnalyticsDto extends IncomeSummaryDto {
+  @ApiProperty({ type: IncomeComparisonDto })
+  previous: IncomeComparisonDto;
+
+  @ApiProperty({ type: IncomeComparisonDto, nullable: true })
+  yearComparison: IncomeComparisonDto | null;
+
+  @ApiProperty({ enum: ['day', 'week', 'month'] })
+  bucketGranularity: 'day' | 'week' | 'month';
+
+  @ApiProperty({ type: IncomeBucketDto, isArray: true })
+  buckets: IncomeBucketDto[];
+
+  @ApiProperty({ type: IncomeInstrumentDto, isArray: true })
+  instruments: IncomeInstrumentDto[];
+
+  @ApiProperty({ type: BrokerageOperationDto, isArray: true })
+  entries: BrokerageOperationDto[];
+}
diff --git a/src/tbank/income-analytics.service.spec.ts b/src/tbank/income-analytics.service.spec.ts
new file mode 100644
index 0000000..fdd0861
--- /dev/null
+++ b/src/tbank/income-analytics.service.spec.ts
@@ -0,0 +1,91 @@
+jest.mock('./brokerage-operations.service', () => ({
+  BrokerageOperationsService: class BrokerageOperationsService {},
+}));
+
+import { IncomeAnalyticsService } from './income-analytics.service';
+
+describe('IncomeAnalyticsService', () => {
+  const operations = { collectRanges: jest.fn() };
+  const service = new IncomeAnalyticsService(operations as never);
+
+  beforeEach(() => jest.clearAllMocks());
+
+  it('aggregates only exact coupon and dividend payments by source currency', async () => {
+    operations.collectRanges.mockImplementation(
+      (
+        _user: string,
+        _account: string,
+        build: (opened?: Date) => unknown[],
+      ) => {
+        build(undefined);
+        return {
+          pages: [
+            [
+              {
+                items: [
+                  entry('coupon', 'OPERATION_TYPE_COUPON', '10.25', 'RUB'),
+                  entry('dividend', 'OPERATION_TYPE_DIVIDEND', '-2.5', 'RUB'),
+                  entry(
+                    'transfer',
+                    'OPERATION_TYPE_DIVIDEND_TRANSFER',
+                    '99',
+                    'RUB',
+                  ),
+                  entry('usd', 'OPERATION_TYPE_COUPON', '1', 'USD'),
+                ],
+              },
+            ],
+            [{ items: [] }],
+            [{ items: [] }],
+          ],
+        };
+      },
+    );
+
+    const result = await service.analytics(
+      'user',
+      'account',
+      '2026-01-01',
+      '2026-01-31',
+    );
+
+    expect(result.totalsByCurrency).toEqual([
+      expect.objectContaining({
+        currency: 'RUB',
+        coupon: { currency: 'RUB', value: '10.25' },
+        dividend: { currency: 'RUB', value: '-2.5' },
+        total: { currency: 'RUB', value: '7.75' },
+      }),
+      expect.objectContaining({
+        currency: 'USD',
+        total: { currency: 'USD', value: '1' },
+      }),
+    ]);
+    expect(result.entries.map((entry) => entry.id)).toEqual([
+      'coupon',
+      'dividend',
+      'usd',
+    ]);
+    expect(result.buckets).toHaveLength(31);
+  });
+});
+
+function entry(id: string, type: string, value: string, currency: string) {
+  return {
+    id,
+    occurredAt: '2026-01-15T12:00:00.000Z',
+    type,
+    category: 'income',
+    description: id,
+    figi: null,
+    instrumentUid: null,
+    ticker: id,
+    instrumentType: null,
+    logoName: null,
+    payment: { currency, value },
+    quantity: null,
+    price: null,
+    accruedInterest: null,
+    commission: null,
+  };
+}
diff --git a/src/tbank/income-analytics.service.ts b/src/tbank/income-analytics.service.ts
new file mode 100644
index 0000000..7d697a5
--- /dev/null
+++ b/src/tbank/income-analytics.service.ts
@@ -0,0 +1,258 @@
+import { Injectable } from '@nestjs/common';
+import { BrokerageOperationDto } from './brokerage-operation.dto';
+import { BrokerageOperationsService } from './brokerage-operations.service';
+import {
+  add,
+  compare,
+  decimalFromString,
+  formatDecimal,
+  subtract,
+} from './decimal';
+import {
+  DateOnlyRange,
+  IncomeBucketGranularity,
+  moscowDate,
+  planIncomePeriod,
+  rangeBuckets,
+} from './income-period';
+import {
+  IncomeAnalyticsDto,
+  IncomeComparisonDto,
+  IncomeCurrencySummaryDto,
+  IncomeInstrumentDto,
+  IncomeSummaryDto,
+} from './income-analytics.dto';
+
+type Total = {
+  coupon: ReturnType<typeof decimalFromString>;
+  dividend: ReturnType<typeof decimalFromString>;
+};
+
+@Injectable()
+export class IncomeAnalyticsService {
+  constructor(private readonly operations: BrokerageOperationsService) {}
+
+  async summary(userId: string, accountId: string): Promise<IncomeSummaryDto> {
+    let plan: ReturnType<typeof planIncomePeriod> | undefined;
+    const collected = await this.operations.collectRanges(
+      userId,
+      accountId,
+      (openedAt) => {
+        const planned = planIncomePeriod(undefined, undefined, openedAt);
+        plan = planned;
+        return [planned.selected];
+      },
+    );
+    if (!plan) throw new Error('Income period was not planned');
+    return summaryResponse(
+      accountId,
+      plan.selected,
+      qualifying(collected.pages[0].flatMap((page) => page.items)),
+      new Date().toISOString(),
+    );
+  }
+
+  async analytics(
+    userId: string,
+    accountId: string,
+    from: string | undefined,
+    to: string | undefined,
+  ): Promise<IncomeAnalyticsDto> {
+    let plan: ReturnType<typeof planIncomePeriod> | undefined;
+    const collected = await this.operations.collectRanges(
+      userId,
+      accountId,
+      (openedAt) => {
+        const planned = planIncomePeriod(from, to, openedAt);
+        plan = planned;
+        return [
+          planned.selected,
+          planned.previous,
+          ...(planned.yearAgo ? [planned.yearAgo] : []),
+        ];
+      },
+    );
+    if (!plan) throw new Error('Income period was not planned');
+    const selected = qualifying(
+      collected.pages[0].flatMap((page) => page.items),
+    );
+    const previous = qualifying(
+      collected.pages[1].flatMap((page) => page.items),
+    );
+    const yearAgo = plan.yearAgo
+      ? qualifying(collected.pages[2].flatMap((page) => page.items))
+      : null;
+    const calculatedAt = new Date().toISOString();
+    const base = summaryResponse(
+      accountId,
+      plan.selected,
+      selected,
+      calculatedAt,
+    );
+    return {
+      ...base,
+      previous: comparison(selected, plan.previous, previous),
+      yearComparison:
+        plan.yearAgo && yearAgo
+          ? comparison(selected, plan.yearAgo, yearAgo)
+          : null,
+      bucketGranularity: plan.granularity,
+      buckets: buckets(plan.selected, plan.granularity, selected),
+      instruments: instruments(selected),
+      entries: selected,
+    };
+  }
+}
+
+function qualifying(entries: BrokerageOperationDto[]): BrokerageOperationDto[] {
+  return entries.filter(
+    (entry) =>
+      Boolean(entry.payment) &&
+      ['OPERATION_TYPE_COUPON', 'OPERATION_TYPE_DIVIDEND'].includes(entry.type),
+  );
+}
+
+function summaryResponse(
+  accountId: string,
+  period: DateOnlyRange,
+  entries: BrokerageOperationDto[],
+  calculatedAt: string,
+): IncomeSummaryDto {
+  return { accountId, period, totalsByCurrency: totals(entries), calculatedAt };
+}
+
+function totals(entries: BrokerageOperationDto[]): IncomeCurrencySummaryDto[] {
+  const values = new Map<string, Total>();
+  for (const entry of entries) {
+    if (!entry.payment) continue;
+    const total = values.get(entry.payment.currency) ?? zeroTotal();
+    const value = decimalFromString(entry.payment.value);
+    if (entry.type === 'OPERATION_TYPE_COUPON')
+      total.coupon = add(total.coupon, value);
+    else total.dividend = add(total.dividend, value);
+    values.set(entry.payment.currency, total);
+  }
+  return [...values]
+    .sort(([left], [right]) => left.localeCompare(right))
+    .map(([currency, total]) => presentTotal(currency, total));
+}
+
+function comparison(
+  selectedEntries: BrokerageOperationDto[],
+  comparedPeriod: DateOnlyRange,
+  comparedEntries: BrokerageOperationDto[],
+): IncomeComparisonDto {
+  const selected = new Map(
+    totals(selectedEntries).map((total) => [total.currency, total]),
+  );
+  const compared = new Map(
+    totals(comparedEntries).map((total) => [total.currency, total]),
+  );
+  const currencies = [
+    ...new Set([...selected.keys(), ...compared.keys()]),
+  ].sort();
+  return {
+    period: comparedPeriod,
+    totalsByCurrency: currencies.map((currency) => {
+      const current =
+        selected.get(currency) ?? presentTotal(currency, zeroTotal());
+      const prior =
+        compared.get(currency) ?? presentTotal(currency, zeroTotal());
+      return {
+        currency,
+        selected: current,
+        compared: prior,
+        difference: difference(current, prior),
+      };
+    }),
+  };
+}
+
+function buckets(
+  range: DateOnlyRange,
+  granularity: IncomeBucketGranularity,
+  entries: BrokerageOperationDto[],
+) {
+  return rangeBuckets(range, granularity).map((period) => ({
+    period,
+    totalsByCurrency: totals(
+      entries.filter((entry) => {
+        const date = moscowDate(new Date(entry.occurredAt));
+        return date >= period.from && date <= period.to;
+      }),
+    ),
+  }));
+}
+
+function instruments(entries: BrokerageOperationDto[]): IncomeInstrumentDto[] {
+  const groups = new Map<string, BrokerageOperationDto[]>();
+  for (const entry of entries) {
+    const key = `${instrumentKey(entry)}:${entry.payment?.currency ?? ''}`;
+    groups.set(key, [...(groups.get(key) ?? []), entry]);
+  }
+  return [...groups]
+    .map(([key, group]) => {
+      const first = group[0];
+      const [total] = totals(group);
+      return {
+        key,
+        figi: first.figi,
+        instrumentUid: first.instrumentUid,
+        ticker: first.ticker,
+        instrumentType: first.instrumentType,
+        displayName: first.ticker ?? (first.description || first.type),
+        coupon: total.coupon,
+        dividend: total.dividend,
+        total: total.total,
+        receiptCount: group.length,
+      };
+    })
+    .sort(
+      (left, right) =>
+        compare(
+          decimalFromString(right.total.value),
+          decimalFromString(left.total.value),
+        ) || left.key.localeCompare(right.key),
+    );
+}
+
+function instrumentKey(entry: BrokerageOperationDto): string {
+  if (entry.instrumentUid) return `uid:${entry.instrumentUid}`;
+  if (entry.figi) return `figi:${entry.figi}`;
+  if (entry.ticker || entry.instrumentType)
+    return `ticker:${entry.ticker ?? ''}:${entry.instrumentType ?? ''}`;
+  return `operation:${entry.id}`;
+}
+
+function difference(
+  left: IncomeCurrencySummaryDto,
+  right: IncomeCurrencySummaryDto,
+): IncomeCurrencySummaryDto {
+  return presentTotal(left.currency, {
+    coupon: subtract(
+      decimalFromString(left.coupon.value),
+      decimalFromString(right.coupon.value),
+    ),
+    dividend: subtract(
+      decimalFromString(left.dividend.value),
+      decimalFromString(right.dividend.value),
+    ),
+  });
+}
+
+function zeroTotal(): Total {
+  return { coupon: { value: 0n, scale: 0 }, dividend: { value: 0n, scale: 0 } };
+}
+
+function presentTotal(
+  currency: string,
+  value: Total,
+): IncomeCurrencySummaryDto {
+  const total = add(value.coupon, value.dividend);
+  return {
+    currency,
+    coupon: { currency, value: formatDecimal(value.coupon) },
+    dividend: { currency, value: formatDecimal(value.dividend) },
+    total: { currency, value: formatDecimal(total) },
+  };
+}
diff --git a/src/tbank/income-period.spec.ts b/src/tbank/income-period.spec.ts
new file mode 100644
index 0000000..bc15d38
--- /dev/null
+++ b/src/tbank/income-period.spec.ts
@@ -0,0 +1,48 @@
+import { BadRequestException } from '@nestjs/common';
+import {
+  dateOnlyBounds,
+  planIncomePeriod,
+  rangeBuckets,
+} from './income-period';
+
+describe('income period planning', () => {
+  afterEach(() => jest.useRealTimers());
+
+  it('uses the Moscow current month and validates strict inclusive ranges', () => {
+    jest.useFakeTimers();
+    jest.setSystemTime(new Date('2026-01-31T22:30:00.000Z'));
+
+    expect(planIncomePeriod(undefined, undefined)).toMatchObject({
+      selected: { from: '2026-02-01', to: '2026-02-01' },
+    });
+    for (const [from, to] of [
+      ['2026-02-30', '2026-03-01'],
+      ['2026-03-02', '2026-03-01'],
+      ['2026-01-01', '2027-01-02'],
+      ['2026-01-01', '2026-04-01'],
+    ])
+      expect(() => planIncomePeriod(from, to)).toThrow(BadRequestException);
+  });
+
+  it('uses a full previous month, skips impossible year-ago dates, and keeps empty buckets', () => {
+    const fullMonth = planIncomePeriod('2026-03-01', '2026-03-31');
+    expect(fullMonth.previous).toEqual({
+      from: '2026-02-01',
+      to: '2026-02-28',
+    });
+    expect(planIncomePeriod('2024-02-29', '2024-02-29').yearAgo).toBeNull();
+    expect(
+      rangeBuckets({ from: '2026-01-01', to: '2026-02-15' }, 'week'),
+    ).toHaveLength(7);
+  });
+
+  it('does not send the unfinished Moscow day as a future instant', () => {
+    jest.useFakeTimers();
+    jest.setSystemTime(new Date('2026-08-27T21:44:18.510Z'));
+
+    expect(dateOnlyBounds({ from: '2026-08-01', to: '2026-08-28' })).toEqual({
+      from: new Date('2026-07-31T21:00:00.000Z'),
+      to: new Date('2026-08-27T21:44:18.510Z'),
+    });
+  });
+});
diff --git a/src/tbank/income-period.ts b/src/tbank/income-period.ts
new file mode 100644
index 0000000..59a06f0
--- /dev/null
+++ b/src/tbank/income-period.ts
@@ -0,0 +1,181 @@
+import { BadRequestException } from '@nestjs/common';
+
+export type DateOnlyRange = { from: string; to: string };
+export type IncomeBucketGranularity = 'day' | 'week' | 'month';
+
+const moscow = 'Europe/Moscow';
+
+export function planIncomePeriod(
+  from: string | undefined,
+  to: string | undefined,
+  openedDate?: Date,
+): {
+  selected: DateOnlyRange;
+  previous: DateOnlyRange;
+  yearAgo: DateOnlyRange | null;
+  granularity: IncomeBucketGranularity;
+} {
+  if (Boolean(from) !== Boolean(to)) throw invalidPeriod();
+  const today = moscowDate(new Date());
+  const selected =
+    from && to ? { from, to } : { from: firstOfMonth(today), to: today };
+  assertRange(selected, today);
+  const previous = isFullMonth(selected)
+    ? previousMonth(selected.from)
+    : shiftDays(selected, -rangeDays(selected));
+  const candidate = yearAgo(selected);
+  const yearAgoRange =
+    candidate && (!openedDate || candidate.from >= moscowDate(openedDate))
+      ? candidate
+      : null;
+  return {
+    selected,
+    previous,
+    yearAgo: yearAgoRange,
+    granularity:
+      rangeDays(selected) <= 45
+        ? 'day'
+        : rangeDays(selected) <= 180
+          ? 'week'
+          : 'month',
+  };
+}
+
+export function moscowDate(value: Date): string {
+  const parts = new Intl.DateTimeFormat('en-CA', {
+    timeZone: moscow,
+    year: 'numeric',
+    month: '2-digit',
+    day: '2-digit',
+  }).formatToParts(value);
+  const get = (type: string) => parts.find((part) => part.type === type)?.value;
+  return `${get('year')}-${get('month')}-${get('day')}`;
+}
+
+export function dateOnlyBounds(range: DateOnlyRange): { from: Date; to: Date } {
+  const from = dateParts(range.from);
+  const end = dateParts(range.to);
+  const to = new Date(Date.UTC(end[0], end[1] - 1, end[2], 20, 59, 59, 999));
+  return {
+    from: new Date(Date.UTC(from[0], from[1] - 1, from[2], -3)),
+    to: to > new Date() ? new Date() : to,
+  };
+}
+
+export function rangeBuckets(
+  range: DateOnlyRange,
+  granularity: IncomeBucketGranularity,
+): DateOnlyRange[] {
+  if (granularity === 'day')
+    return dates(range).map((date) => ({ from: date, to: date }));
+  const buckets: DateOnlyRange[] = [];
+  let cursor =
+    granularity === 'week'
+      ? addDays(range.from, -((utcDate(range.from).getUTCDay() + 6) % 7))
+      : `${range.from.slice(0, 7)}-01`;
+  while (cursor <= range.to) {
+    const end =
+      granularity === 'week' ? addDays(cursor, 6) : endOfMonth(cursor);
+    buckets.push({
+      from: cursor < range.from ? range.from : cursor,
+      to: end > range.to ? range.to : end,
+    });
+    cursor = addDays(end, 1);
+  }
+  return buckets;
+}
+
+export function rangeDays(range: DateOnlyRange): number {
+  return (
+    Math.round(
+      (utcDate(range.to).valueOf() - utcDate(range.from).valueOf()) /
+        86_400_000,
+    ) + 1
+  );
+}
+
+function assertRange(range: DateOnlyRange, today: string): void {
+  try {
+    dateParts(range.from);
+    dateParts(range.to);
+  } catch {
+    throw invalidPeriod();
+  }
+  if (range.from > range.to || range.to > today || rangeDays(range) > 366)
+    throw invalidPeriod();
+}
+
+function dateParts(value: string): [number, number, number] {
+  const match = /^(\d{4})-(\d{2})-(\d{2})$/.exec(value);
+  if (!match) throw new Error('Invalid date');
+  const parts = [Number(match[1]), Number(match[2]), Number(match[3])] as [
+    number,
+    number,
+    number,
+  ];
+  if (utcDate(value).toISOString().slice(0, 10) !== value)
+    throw new Error('Invalid date');
+  return parts;
+}
+
+function utcDate(value: string): Date {
+  const match = /^(\d{4})-(\d{2})-(\d{2})$/.exec(value);
+  if (!match) return new Date(NaN);
+  return new Date(
+    Date.UTC(Number(match[1]), Number(match[2]) - 1, Number(match[3])),
+  );
+}
+
+function addDays(value: string, days: number): string {
+  const date = utcDate(value);
+  date.setUTCDate(date.getUTCDate() + days);
+  return date.toISOString().slice(0, 10);
+}
+
+function dates(range: DateOnlyRange): string[] {
+  const result: string[] = [];
+  for (let date = range.from; date <= range.to; date = addDays(date, 1))
+    result.push(date);
+  return result;
+}
+
+function firstOfMonth(value: string): string {
+  return `${value.slice(0, 7)}-01`;
+}
+
+function endOfMonth(value: string): string {
+  const [year, month] = dateParts(firstOfMonth(value));
+  return new Date(Date.UTC(year, month, 0)).toISOString().slice(0, 10);
+}
+
+function isFullMonth(range: DateOnlyRange): boolean {
+  return (
+    range.from === firstOfMonth(range.from) && range.to === endOfMonth(range.to)
+  );
+}
+
+function previousMonth(from: string): DateOnlyRange {
+  const last = addDays(firstOfMonth(from), -1);
+  return { from: firstOfMonth(last), to: last };
+}
+
+function shiftDays(range: DateOnlyRange, days: number): DateOnlyRange {
+  return { from: addDays(range.from, days), to: addDays(range.to, days) };
+}
+
+function yearAgo(range: DateOnlyRange): DateOnlyRange | null {
+  const shift = (value: string) => {
+    const [year, month, day] = dateParts(value);
+    const result = `${String(year - 1).padStart(4, '0')}-${String(month).padStart(2, '0')}-${String(day).padStart(2, '0')}`;
+    return utcDate(result).toISOString().slice(0, 10) === result
+      ? result
+      : null;
+  };
+  const from = shift(range.from);
+  const to = shift(range.to);
+  return from && to ? { from, to } : null;
+}
+
+function invalidPeriod(): BadRequestException {
+  return new BadRequestException({ code: 'INVALID_INCOME_PERIOD' });
+}
diff --git a/src/tbank/tbank-connection.module.ts b/src/tbank/tbank-connection.module.ts
index 4757a82..68bb029 100644
--- a/src/tbank/tbank-connection.module.ts
+++ b/src/tbank/tbank-connection.module.ts
@@ -14,6 +14,8 @@ import { TbankConnectionService } from './tbank-connection.service';
 import { TbankTokenService } from './tbank-token.service';
 import { UpcomingEventsController } from './upcoming-events.controller';
 import { UpcomingEventsService } from './upcoming-events.service';
+import { IncomeAnalyticsController } from './income-analytics.controller';
+import { IncomeAnalyticsService } from './income-analytics.service';
 
 @Module({
   controllers: [
@@ -22,6 +24,7 @@ import { UpcomingEventsService } from './upcoming-events.service';
     BrokerageOperationsController,
     PortfolioController,
     UpcomingEventsController,
+    IncomeAnalyticsController,
   ],
   providers: [
     TbankClient,
@@ -34,6 +37,7 @@ import { UpcomingEventsService } from './upcoming-events.service';
     UpcomingEventsService,
     TbankTokenService,
     TbankAccessService,
+    IncomeAnalyticsService,
   ],
 })
 export class TbankConnectionModule {}
diff --git a/src/tbank/upcoming-events.dto.ts b/src/tbank/upcoming-events.dto.ts
index 0f04e13..5360561 100644
--- a/src/tbank/upcoming-events.dto.ts
+++ b/src/tbank/upcoming-events.dto.ts
@@ -36,4 +36,7 @@ export class UpcomingEventsDto {
 
   @ApiProperty({ type: UpcomingEventDto, isArray: true })
   events: UpcomingEventDto[];
+
+  @ApiProperty({ type: MoneyDto, isArray: true })
+  incomeTotalsByCurrency: MoneyDto[];
 }
diff --git a/src/tbank/upcoming-events.service.spec.ts b/src/tbank/upcoming-events.service.spec.ts
index 97be051..3a8e49b 100644
--- a/src/tbank/upcoming-events.service.spec.ts
+++ b/src/tbank/upcoming-events.service.spec.ts
@@ -216,6 +216,36 @@ describe('UpcomingEventsService', () => {
     });
   });
 
+  it('adds exact source-currency income totals without changing the events list', async () => {
+    const today = new Date().toISOString().slice(0, 10);
+    tbank.getPortfolio.mockResolvedValue({
+      positions: [
+        {
+          figi: 'B',
+          ticker: 'BOND',
+          instrumentType: 'bond',
+          quantity: { units: 1 },
+        },
+      ],
+    });
+    moex.bondEvents.mockResolvedValue([
+      { type: 'coupon', date: today, value: '1.25', currency: 'RUB' },
+      { type: 'maturity', date: today, value: '100', currency: 'RUB' },
+      { type: 'offer', date: today },
+    ]);
+
+    const result = await service.get('user', 'account');
+    expect(result.incomeTotalsByCurrency).toEqual([
+      { currency: 'RUB', value: '1.25' },
+    ]);
+    expect(result.events).toEqual(
+      expect.arrayContaining([
+        expect.objectContaining({ type: 'maturity' }),
+        expect.objectContaining({ type: 'offer' }),
+      ]),
+    );
+  });
+
   it('reuses upstream results within the cache TTL across requests', async () => {
     const today = new Date().toISOString().slice(0, 10);
     tbank.getPortfolio.mockResolvedValue({
diff --git a/src/tbank/upcoming-events.service.ts b/src/tbank/upcoming-events.service.ts
index b21f40f..229a112 100644
--- a/src/tbank/upcoming-events.service.ts
+++ b/src/tbank/upcoming-events.service.ts
@@ -1,7 +1,14 @@
 import { Injectable } from '@nestjs/common';
 import { RequestContextService } from '../common/logging/request-context.service';
 import { StructuredLogger } from '../common/logging/structured-logger.service';
-import { decimal, formatDecimal, isZero, multiply } from './decimal';
+import {
+  add,
+  decimal,
+  decimalFromString,
+  formatDecimal,
+  isZero,
+  multiply,
+} from './decimal';
 import { MoexBondEvent, MoexClient } from './moex.client';
 import { MoneyDto } from './portfolio.dto';
 import { TbankAccessService } from './tbank-access.service';
@@ -78,6 +85,7 @@ export class UpcomingEventsService {
             left.type.localeCompare(right.type) ||
             left.ticker.localeCompare(right.ticker),
         ),
+        incomeTotalsByCurrency: incomeTotals(projected),
       };
     });
   }
@@ -245,11 +253,21 @@ function projectedMoney(
   };
 }
 
-function decimalFromString(value: string) {
-  const negative = value.startsWith('-');
-  const [whole, fraction = ''] = (negative ? value.slice(1) : value).split('.');
-  return {
-    value: (negative ? -1n : 1n) * BigInt(`${whole}${fraction}`),
-    scale: fraction.length,
-  };
+function incomeTotals(events: UpcomingEventDto[]): MoneyDto[] {
+  const totals = new Map<string, ReturnType<typeof decimal>>();
+  for (const event of events) {
+    if (!['coupon', 'dividend'].includes(event.type) || !event.projectedAmount)
+      continue;
+    const current = totals.get(event.projectedAmount.currency) ?? {
+      value: 0n,
+      scale: 0,
+    };
+    totals.set(
+      event.projectedAmount.currency,
+      add(current, decimalFromString(event.projectedAmount.value)),
+    );
+  }
+  return [...totals]
+    .sort(([left], [right]) => left.localeCompare(right))
+    .map(([currency, value]) => ({ currency, value: formatDecimal(value) }));
 }