diff --git a/app/controllers/recurring_transactions_controller.rb b/app/controllers/recurring_transactions_controller.rb
index d6b6691d1ec..0f06b52fb97 100644
--- a/app/controllers/recurring_transactions_controller.rb
+++ b/app/controllers/recurring_transactions_controller.rb
@@ -5,10 +5,22 @@ def index
     @recurring_transactions = Current.family.recurring_transactions
                                     .includes(:merchant)
                                     .order(status: :asc, next_expected_date: :asc)
+    @family = Current.family
+  end
+
+  def update_settings
+    Current.family.update!(recurring_settings_params)
+
+    respond_to do |format|
+      format.html do
+        flash[:notice] = t("recurring_transactions.settings_updated")
+        redirect_to recurring_transactions_path
+      end
+    end
   end
 
   def identify
-    count = RecurringTransaction.identify_patterns_for(Current.family)
+    count = RecurringTransaction.identify_patterns_for!(Current.family)
 
     respond_to do |format|
       format.html do
@@ -55,4 +67,10 @@ def destroy
     flash[:notice] = t("recurring_transactions.deleted")
     redirect_to recurring_transactions_path
   end
+
+  private
+
+    def recurring_settings_params
+      { recurring_transactions_disabled: params[:recurring_transactions_disabled] == "true" }
+    end
 end
diff --git a/app/controllers/transactions_controller.rb b/app/controllers/transactions_controller.rb
index aec15157b58..07e829ebdc4 100644
--- a/app/controllers/transactions_controller.rb
+++ b/app/controllers/transactions_controller.rb
@@ -159,6 +159,13 @@ def mark_as_recurring
     end
   end
 
+  def update_preferences
+    Current.user.update_transactions_preferences(preferences_params)
+    head :ok
+  rescue ActiveRecord::RecordInvalid, ActiveRecord::RecordNotSaved
+    head :unprocessable_entity
+  end
+
   private
     def per_page
       params[:per_page].to_i.positive? ? params[:per_page].to_i : 20
@@ -236,4 +243,8 @@ def should_restore_params?
     def stored_params
       Current.session.prev_transaction_page_params
     end
+
+    def preferences_params
+      params.require(:preferences).permit(collapsed_sections: {})
+    end
 end
diff --git a/app/javascript/controllers/transactions_section_controller.js b/app/javascript/controllers/transactions_section_controller.js
new file mode 100644
index 00000000000..ef2f7391c29
--- /dev/null
+++ b/app/javascript/controllers/transactions_section_controller.js
@@ -0,0 +1,96 @@
+import { Controller } from "@hotwired/stimulus";
+
+export default class extends Controller {
+  static targets = ["content", "chevron", "button"];
+  static values = {
+    sectionKey: String,
+    collapsed: Boolean,
+  };
+
+  connect() {
+    if (this.collapsedValue) {
+      this.collapse(false);
+    }
+  }
+
+  toggle(event) {
+    event.preventDefault();
+    if (this.collapsedValue) {
+      this.expand();
+    } else {
+      this.collapse();
+    }
+  }
+
+  handleToggleKeydown(event) {
+    // Handle Enter and Space keys for keyboard accessibility
+    if (event.key === "Enter" || event.key === " ") {
+      event.preventDefault();
+      event.stopPropagation();
+      this.toggle(event);
+    }
+  }
+
+  collapse(persist = true) {
+    this.contentTarget.classList.add("hidden");
+    this.chevronTarget.classList.add("rotate-180");
+    this.collapsedValue = true;
+    if (this.hasButtonTarget) {
+      this.buttonTarget.setAttribute("aria-expanded", "false");
+    }
+    if (persist) {
+      this.savePreference(true);
+    }
+  }
+
+  expand() {
+    this.contentTarget.classList.remove("hidden");
+    this.chevronTarget.classList.remove("rotate-180");
+    this.collapsedValue = false;
+    if (this.hasButtonTarget) {
+      this.buttonTarget.setAttribute("aria-expanded", "true");
+    }
+    this.savePreference(false);
+  }
+
+  async savePreference(collapsed) {
+    const preferences = {
+      collapsed_sections: {
+        [this.sectionKeyValue]: collapsed,
+      },
+    };
+
+    const csrfToken = document.querySelector('meta[name="csrf-token"]');
+    if (!csrfToken) {
+      console.error(
+        "[Transactions Section] CSRF token not found. Cannot save preferences.",
+      );
+      return;
+    }
+
+    try {
+      const response = await fetch("/transactions/update_preferences", {
+        method: "PATCH",
+        headers: {
+          "Content-Type": "application/json",
+          "X-CSRF-Token": csrfToken.content,
+        },
+        body: JSON.stringify({ preferences }),
+      });
+
+      if (!response.ok) {
+        const errorData = await response.json().catch(() => ({}));
+        console.error(
+          "[Transactions Section] Failed to save preferences:",
+          response.status,
+          errorData,
+        );
+      }
+    } catch (error) {
+      console.error(
+        "[Transactions Section] Network error saving preferences:",
+        error,
+      );
+    }
+  }
+}
diff --git a/app/jobs/identify_recurring_transactions_job.rb b/app/jobs/identify_recurring_transactions_job.rb
new file mode 100644
index 00000000000..92e1e9151f6
--- /dev/null
+++ b/app/jobs/identify_recurring_transactions_job.rb
@@ -0,0 +1,83 @@
+class IdentifyRecurringTransactionsJob < ApplicationJob
+  queue_as :default
+
+  # Debounce: if called multiple times within the delay window,
+  # only the last scheduled job will actually run
+  DEBOUNCE_DELAY = 30.seconds
+
+  def perform(family_id, scheduled_at)
+    family = Family.find_by(id: family_id)
+    return unless family
+    return if family.recurring_transactions_disabled?
+
+    # Check if this job is stale (a newer one was scheduled)
+    latest_scheduled = Rails.cache.read(cache_key(family_id))
+    return if latest_scheduled && latest_scheduled > scheduled_at
+
+    # Check if there are still incomplete syncs - if so, skip and let the last sync trigger it
+    return if family_has_incomplete_syncs?(family)
+
+    # Use advisory lock as final safety net against concurrent execution
+    with_advisory_lock(family_id) do
+      RecurringTransaction::Identifier.new(family).identify_recurring_patterns
+    end
+  end
+
+  def self.schedule_for(family)
+    return if family.recurring_transactions_disabled?
+
+    scheduled_at = Time.current.to_f
+    cache_key = "recurring_transaction_identify:#{family.id}"
+
+    # Store the latest scheduled time
+    Rails.cache.write(cache_key, scheduled_at, expires_in: DEBOUNCE_DELAY + 10.seconds)
+
+    # Schedule the job with delay
+    set(wait: DEBOUNCE_DELAY).perform_later(family.id, scheduled_at)
+  end
+
+  private
+
+    def cache_key(family_id)
+      "recurring_transaction_identify:#{family_id}"
+    end
+
+    def family_has_incomplete_syncs?(family)
+      # Check family's own syncs
+      return true if family.syncs.incomplete.exists?
+
+      # Check all provider items' syncs
+      return true if family.plaid_items.joins(:syncs).merge(Sync.incomplete).exists? if family.respond_to?(:plaid_items)
+      return true if family.simplefin_items.joins(:syncs).merge(Sync.incomplete).exists? if family.respond_to?(:simplefin_items)
+      return true if family.lunchflow_items.joins(:syncs).merge(Sync.incomplete).exists? if family.respond_to?(:lunchflow_items)
+      return true if family.enable_banking_items.joins(:syncs).merge(Sync.incomplete).exists? if family.respond_to?(:enable_banking_items)
+
+      # Check accounts' syncs
+      return true if family.accounts.joins(:syncs).merge(Sync.incomplete).exists?
+
+      false
+    end
+
+    def with_advisory_lock(family_id)
+      lock_key = advisory_lock_key(family_id)
+      acquired = ActiveRecord::Base.connection.select_value(
+        ActiveRecord::Base.sanitize_sql_array([ "SELECT pg_try_advisory_lock(?)", lock_key ])
+      )
+
+      return unless acquired
+
+      begin
+        yield
+      ensure
+        ActiveRecord::Base.connection.execute(
+          ActiveRecord::Base.sanitize_sql_array([ "SELECT pg_advisory_unlock(?)", lock_key ])
+        )
+      end
+    end
+
+    def advisory_lock_key(family_id)
+      # Generate a stable integer key from the family ID for PostgreSQL advisory lock
+      # Advisory locks require a bigint key
+      Digest::MD5.hexdigest("recurring_transaction_identify:#{family_id}").to_i(16) % (2**31)
+    end
+end
diff --git a/app/models/family/sync_complete_event.rb b/app/models/family/sync_complete_event.rb
index c0022607236..92538460560 100644
--- a/app/models/family/sync_complete_event.rb
+++ b/app/models/family/sync_complete_event.rb
@@ -29,7 +29,7 @@ def broadcast
       Rails.logger.error("Family::SyncCompleteEvent net_worth_chart broadcast failed: #{e.message}\n#{e.backtrace&.join("\n")}")
     end
 
-    # Identify recurring transaction patterns after sync
+    # Schedule recurring transaction pattern identification (debounced to run after all syncs complete)
     begin
       RecurringTransaction.identify_patterns_for(family)
     rescue => e
diff --git a/app/models/recurring_transaction.rb b/app/models/recurring_transaction.rb
index 069440725b6..bc8b2e8b3bc 100644
--- a/app/models/recurring_transaction.rb
+++ b/app/models/recurring_transaction.rb
@@ -37,7 +37,14 @@ def amount_variance_consistency
   scope :expected_soon, -> { active.where("next_expected_date <= ?", 1.month.from_now) }
 
   # Class methods for identification and cleanup
+  # Schedules pattern identification with debounce to run after all syncs complete
   def self.identify_patterns_for(family)
+    IdentifyRecurringTransactionsJob.schedule_for(family)
+    0 # Return immediately, actual count will be determined by the job
+  end
+
+  # Synchronous pattern identification (for manual triggers from UI)
+  def self.identify_patterns_for!(family)
     Identifier.new(family).identify_recurring_patterns
   end
 
diff --git a/app/models/recurring_transaction/identifier.rb b/app/models/recurring_transaction/identifier.rb
index 86cc6a55896..916b77483ac 100644
--- a/app/models/recurring_transaction/identifier.rb
+++ b/app/models/recurring_transaction/identifier.rb
@@ -81,35 +81,55 @@ def identify_recurring_patterns
           find_conditions[:merchant_id] = nil
         end
 
-        recurring_transaction = family.recurring_transactions.find_or_initialize_by(find_conditions)
+        begin
+          recurring_transaction = family.recurring_transactions.find_or_initialize_by(find_conditions)
 
-        # Handle manual recurring transactions specially
-        if recurring_transaction.persisted? && recurring_transaction.manual?
-          # Update variance for manual recurring transactions
-          update_manual_recurring_variance(recurring_transaction, pattern)
-          next
-        end
+          # Handle manual recurring transactions specially
+          if recurring_transaction.persisted? && recurring_transaction.manual?
+            # Update variance for manual recurring transactions
+            update_manual_recurring_variance(recurring_transaction, pattern)
+            next
+          end
 
-        # Set the name or merchant_id on new records
-        if recurring_transaction.new_record?
-          if pattern[:merchant_id].present?
-            recurring_transaction.merchant_id = pattern[:merchant_id]
-          else
-            recurring_transaction.name = pattern[:name]
+          # Set the name or merchant_id on new records
+          if recurring_transaction.new_record?
+            if pattern[:merchant_id].present?
+              recurring_transaction.merchant_id = pattern[:merchant_id]
+            else
+              recurring_transaction.name = pattern[:name]
+            end
+            # New auto-detected recurring transactions are not manual
+            recurring_transaction.manual = false
           end
-          # New auto-detected recurring transactions are not manual
-          recurring_transaction.manual = false
-        end
 
-        recurring_transaction.assign_attributes(
-          expected_day_of_month: pattern[:expected_day_of_month],
-          last_occurrence_date: pattern[:last_occurrence_date],
-          next_expected_date: calculate_next_expected_date(pattern[:last_occurrence_date], pattern[:expected_day_of_month]),
-          occurrence_count: pattern[:occurrence_count],
-          status: recurring_transaction.new_record? ? "active" : recurring_transaction.status
-        )
+          recurring_transaction.assign_attributes(
+            expected_day_of_month: pattern[:expected_day_of_month],
+            last_occurrence_date: pattern[:last_occurrence_date],
+            next_expected_date: calculate_next_expected_date(pattern[:last_occurrence_date], pattern[:expected_day_of_month]),
+            occurrence_count: pattern[:occurrence_count],
+            status: recurring_transaction.new_record? ? "active" : recurring_transaction.status
+          )
+
+          recurring_transaction.save!
+        rescue ActiveRecord::RecordNotUnique
+          # Race condition: another process created the same record between find and save.
+          # Retry with find to get the existing record and update it.
+          recurring_transaction = family.recurring_transactions.find_by(find_conditions)
+          next unless recurring_transaction
+
+          # Skip manual recurring transactions
+          if recurring_transaction.manual?
+            update_manual_recurring_variance(recurring_transaction, pattern)
+            next
+          end
 
-        recurring_transaction.save!
+          recurring_transaction.update!(
+            expected_day_of_month: pattern[:expected_day_of_month],
+            last_occurrence_date: pattern[:last_occurrence_date],
+            next_expected_date: calculate_next_expected_date(pattern[:last_occurrence_date], pattern[:expected_day_of_month]),
+            occurrence_count: pattern[:occurrence_count]
+          )
+        end
       end
 
       # Also check for manual recurring transactions that might need variance updates
diff --git a/app/models/user.rb b/app/models/user.rb
index 57e57ac0433..8f1b6e2b78c 100644
--- a/app/models/user.rb
+++ b/app/models/user.rb
@@ -234,6 +234,29 @@ def update_reports_preferences(prefs)
     end
   end
 
+  # Transactions preferences management
+  def transactions_section_collapsed?(section_key)
+    preferences&.dig("transactions_collapsed_sections", section_key) == true
+  end
+
+  def update_transactions_preferences(prefs)
+    transaction do
+      lock!
+
+      updated_prefs = (preferences || {}).deep_dup
+      prefs.each do |key, value|
+        if value.is_a?(Hash)
+          updated_prefs["transactions_#{key}"] ||= {}
+          updated_prefs["transactions_#{key}"] = updated_prefs["transactions_#{key}"].merge(value)
+        else
+          updated_prefs["transactions_#{key}"] = value
+        end
+      end
+
+      update!(preferences: updated_prefs)
+    end
+  end
+
   private
     def default_dashboard_section_order
       %w[cashflow_sankey outflows_donut net_worth_chart balance_sheet]
diff --git a/app/views/recurring_transactions/index.html.erb b/app/views/recurring_transactions/index.html.erb
index 1917a9624bd..2fc7c7ecfe9 100644
--- a/app/views/recurring_transactions/index.html.erb
+++ b/app/views/recurring_transactions/index.html.erb
@@ -2,56 +2,77 @@
   <header class="flex justify-between items-center text-primary font-medium">
     <h1 class="text-xl"><%= t("recurring_transactions.title") %></h1>
     <div class="flex items-center gap-2">
-      <%= render DS::Link.new(
-        text: t("recurring_transactions.identify_patterns"),
-        icon: "search",
-        variant: "outline",
-        href: identify_recurring_transactions_path,
-        method: :post
-      ) %>
-      <%= render DS::Link.new(
-        text: t("recurring_transactions.cleanup_stale"),
-        icon: "trash-2",
-        variant: "outline",
-        href: cleanup_recurring_transactions_path,
-        method: :post
-      ) %>
+      <% unless @family.recurring_transactions_disabled? %>
+        <%= render DS::Link.new(
+          text: t("recurring_transactions.identify_patterns"),
+          icon: "search",
+          variant: "outline",
+          href: identify_recurring_transactions_path,
+          method: :post
+        ) %>
+        <%= render DS::Link.new(
+          text: t("recurring_transactions.cleanup_stale"),
+          icon: "trash-2",
+          variant: "outline",
+          href: cleanup_recurring_transactions_path,
+          method: :post
+        ) %>
+      <% end %>
     </div>
   </header>
 
-  <div class="p-4 bg-container-inset border border-secondary rounded-lg">
-    <div class="flex items-start gap-2">
-      <%= icon "info", class: "w-5 h-5 text-link mt-0.5 flex-shrink-0" %>
+  <div class="bg-container rounded-xl shadow-border-xs p-4">
+    <div class="flex items-center justify-between">
       <div>
-        <p class="text-sm font-medium text-primary mb-2"><%= t("recurring_transactions.info.title") %></p>
-        <p class="text-xs text-secondary mb-2"><%= t("recurring_transactions.info.manual_description") %></p>
-        <p class="text-xs text-secondary mb-1"><%= t("recurring_transactions.info.automatic_description") %></p>
-        <ul class="list-disc list-inside text-xs text-secondary space-y-0.5 ml-2">
-          <% t("recurring_transactions.info.triggers").each do |trigger| %>
-            <li><%= trigger %></li>
-          <% end %>
-        </ul>
+        <p class="text-sm font-medium text-primary"><%= t("recurring_transactions.settings.enable_label") %></p>
+        <p class="text-xs text-secondary"><%= t("recurring_transactions.settings.enable_description") %></p>
       </div>
+      <%= form_with url: update_settings_recurring_transactions_path, method: :patch, data: { turbo_frame: "_top", controller: "auto-submit-form" } do |f| %>
+        <%= f.hidden_field :recurring_transactions_disabled, value: @family.recurring_transactions_disabled? ? "false" : "true" %>
+        <%= render DS::Toggle.new(
+          id: "recurring_transactions_enabled",
+          name: "toggle_display",
+          checked: !@family.recurring_transactions_disabled?,
+          data: { auto_submit_form_target: "auto" }
+        ) %>
+      <% end %>
     </div>
   </div>
 
-  <div class="bg-container rounded-xl shadow-border-xs p-4">
-    <% if @recurring_transactions.empty? %>
-      <div class="text-center py-12">
-        <div class="text-secondary mb-4">
-          <%= icon "repeat", size: "xl" %>
+  <% unless @family.recurring_transactions_disabled? %>
+    <div class="p-4 bg-container-inset border border-secondary rounded-lg">
+      <div class="flex items-start gap-2">
+        <%= icon "info", class: "w-5 h-5 text-link mt-0.5 flex-shrink-0" %>
+        <div>
+          <p class="text-sm font-medium text-primary mb-2"><%= t("recurring_transactions.info.title") %></p>
+          <p class="text-xs text-secondary mb-2"><%= t("recurring_transactions.info.manual_description") %></p>
+          <p class="text-xs text-secondary mb-1"><%= t("recurring_transactions.info.automatic_description") %></p>
+          <ul class="list-disc list-inside text-xs text-secondary space-y-0.5 ml-2">
+            <% t("recurring_transactions.info.triggers").each do |trigger| %>
+              <li><%= trigger %></li>
+            <% end %>
+          </ul>
         </div>
-        <p class="text-primary font-medium mb-2"><%= t("recurring_transactions.empty.title") %></p>
-        <p class="text-secondary text-sm mb-4"><%= t("recurring_transactions.empty.description") %></p>
-        <%= render DS::Link.new(
-          text: t("recurring_transactions.identify_patterns"),
-          icon: "search",
-          variant: "primary",
-          href: identify_recurring_transactions_path,
-          method: :post
-        ) %>
       </div>
-    <% else %>
+    </div>
+
+    <div class="bg-container rounded-xl shadow-border-xs p-4">
+      <% if @recurring_transactions.empty? %>
+        <div class="text-center py-12">
+          <div class="text-secondary mb-4">
+            <%= icon "repeat", size: "xl" %>
+          </div>
+          <p class="text-primary font-medium mb-2"><%= t("recurring_transactions.empty.title") %></p>
+          <p class="text-secondary text-sm mb-4"><%= t("recurring_transactions.empty.description") %></p>
+          <%= render DS::Link.new(
+            text: t("recurring_transactions.identify_patterns"),
+            icon: "search",
+            variant: "primary",
+            href: identify_recurring_transactions_path,
+            method: :post
+          ) %>
+        </div>
+      <% else %>
       <div class="rounded-xl bg-container-inset space-y-1 p-1">
         <div class="flex items-center gap-1.5 px-4 py-2 text-xs font-medium text-secondary uppercase">
           <p><%= t("recurring_transactions.title") %></p>
@@ -109,7 +130,7 @@
                 </td>
                 <td class="py-3 px-2 text-sm font-medium <%= recurring_transaction.amount.negative? ? "text-success" : "text-primary" %>">
                   <% if recurring_transaction.manual? && recurring_transaction.has_amount_variance? %>
-                    <div class="inline-flex items-center gap-1 cursor-help group" title="<%= t('recurring_transactions.amount_range', min: format_money(-recurring_transaction.expected_amount_min_money), max: format_money(-recurring_transaction.expected_amount_max_money)) %>">
+                    <div class="inline-flex items-center gap-1 cursor-help group" title="<%= t("recurring_transactions.amount_range", min: format_money(-recurring_transaction.expected_amount_min_money), max: format_money(-recurring_transaction.expected_amount_max_money)) %>">
                       <span class="text-xs text-secondary group-hover:text-primary transition-colors">~</span>
                       <span class="border-b border-dashed border-subdued group-hover:border-primary transition-colors"><%= format_money(-recurring_transaction.expected_amount_avg_money) %></span>
                     </div>
@@ -158,5 +179,6 @@
         </div>
       </div>
     <% end %>
-  </div>
+    </div>
+  <% end %>
 </div>
diff --git a/app/views/transactions/index.html.erb b/app/views/transactions/index.html.erb
index 47eb8ec81fd..59ab9eb18ca 100644
--- a/app/views/transactions/index.html.erb
+++ b/app/views/transactions/index.html.erb
@@ -74,16 +74,33 @@
 
         <div class="space-y-6">
           <% if @projected_recurring.any? && @q.blank? %>
-            <div class="space-y-2">
-              <h3 class="text-xs uppercase font-medium text-secondary px-2"><%= t("recurring_transactions.upcoming") %></h3>
-              <% @projected_recurring.group_by(&:next_expected_date).sort.each do |date, transactions| %>
-                <div class="space-y-2">
-                  <div class="text-xs text-secondary px-2 pt-2"><%= l(date, format: :long) %></div>
-                  <% transactions.each do |recurring_transaction| %>
-                    <%= render "recurring_transactions/projected_transaction", recurring_transaction: recurring_transaction %>
-                  <% end %>
-                </div>
-              <% end %>
+            <div
+              class="space-y-2"
+              data-controller="transactions-section"
+              data-transactions-section-section-key-value="upcoming_recurring"
+              data-transactions-section-collapsed-value="<%= Current.user.transactions_section_collapsed?("upcoming_recurring") %>">
+              <div class="flex items-center gap-2 px-2">
+                <button
+                  type="button"
+                  class="text-secondary hover:text-primary transition-colors p-0.5"
+                  data-action="click->transactions-section#toggle keydown->transactions-section#handleToggleKeydown"
+                  data-transactions-section-target="button"
+                  aria-label="<%= t("transactions.toggle_recurring_section") %>"
+                  aria-expanded="<%= !Current.user.transactions_section_collapsed?("upcoming_recurring") %>">
+                  <%= icon("chevron-down", size: "sm", class: "transition-transform", data: { transactions_section_target: "chevron" }) %>
+                </button>
+                <h3 class="text-xs uppercase font-medium text-secondary"><%= t("recurring_transactions.upcoming") %></h3>
+              </div>
+              <div data-transactions-section-target="content">
+                <% @projected_recurring.group_by(&:next_expected_date).sort.each do |date, transactions| %>
+                  <div class="space-y-2">
+                    <div class="text-xs text-secondary px-2 pt-2"><%= l(date, format: :long) %></div>
+                    <% transactions.each do |recurring_transaction| %>
+                      <%= render "recurring_transactions/projected_transaction", recurring_transaction: recurring_transaction %>
+                    <% end %>
+                  </div>
+                <% end %>
+              </div>
             </div>
           <% end %>
 
diff --git a/config/locales/views/recurring_transactions/en.yml b/config/locales/views/recurring_transactions/en.yml
index 7541c1f169c..34749bc71dd 100644
--- a/config/locales/views/recurring_transactions/en.yml
+++ b/config/locales/views/recurring_transactions/en.yml
@@ -9,6 +9,10 @@ en:
     day_of_month: Day %{day} of month
     identify_patterns: Identify Patterns
     cleanup_stale: Clean Up Stale
+    settings:
+      enable_label: Enable Recurring Transactions
+      enable_description: Automatically detect recurring transaction patterns and show upcoming projected transactions.
+    settings_updated: Recurring transactions settings updated
     info:
       title: Automatic Pattern Detection
       manual_description: You can manually identify patterns or clean up stale recurring transactions using the buttons above.
diff --git a/config/locales/views/transactions/en.yml b/config/locales/views/transactions/en.yml
index c5362457c60..012ccd190d2 100644
--- a/config/locales/views/transactions/en.yml
+++ b/config/locales/views/transactions/en.yml
@@ -52,6 +52,8 @@ en:
     index:
       transaction: transaction
       transactions: transactions
+      import: Import
+    toggle_recurring_section: Toggle upcoming recurring transactions
     searches:
       filters:
         amount_filter:
diff --git a/config/routes.rb b/config/routes.rb
index 4a24e84a5b5..4e85b1c36be 100644
--- a/config/routes.rb
+++ b/config/routes.rb
@@ -171,6 +171,7 @@
 
     collection do
       delete :clear_filter
+      patch :update_preferences
     end
 
     member do
@@ -182,6 +183,7 @@
     collection do
       match :identify, via: [ :get, :post ]
       match :cleanup, via: [ :get, :post ]
+      patch :update_settings
     end
 
     member do
diff --git a/db/migrate/20251215100443_add_recurring_transactions_disabled_to_families.rb b/db/migrate/20251215100443_add_recurring_transactions_disabled_to_families.rb
new file mode 100644
index 00000000000..62d1a5b9d1c
--- /dev/null
+++ b/db/migrate/20251215100443_add_recurring_transactions_disabled_to_families.rb
@@ -0,0 +1,5 @@
+class AddRecurringTransactionsDisabledToFamilies < ActiveRecord::Migration[7.2]
+  def change
+    add_column :families, :recurring_transactions_disabled, :boolean, default: false, null: false
+  end
+end
diff --git a/db/schema.rb b/db/schema.rb
index ae5445cdf01..6861315966c 100644
--- a/db/schema.rb
+++ b/db/schema.rb
@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.2].define(version: 2025_12_06_131244) do
+ActiveRecord::Schema[7.2].define(version: 2025_12_15_100443) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "pgcrypto"
   enable_extension "plpgsql"
@@ -408,6 +408,7 @@
     t.boolean "auto_sync_on_login", default: true, null: false
     t.datetime "latest_sync_activity_at", default: -> { "CURRENT_TIMESTAMP" }
     t.datetime "latest_sync_completed_at", default: -> { "CURRENT_TIMESTAMP" }
+    t.boolean "recurring_transactions_disabled", default: false, null: false
   end
 
   create_table "family_exports", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
@@ -889,24 +890,6 @@
     t.index ["family_id"], name: "index_rules_on_family_id"
   end
 
-  create_table "rule_runs", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
-    t.uuid "rule_id", null: false
-    t.string "rule_name"
-    t.string "execution_type", null: false
-    t.string "status", null: false
-    t.integer "transactions_queued", default: 0, null: false
-    t.integer "transactions_processed", default: 0, null: false
-    t.integer "transactions_modified", default: 0, null: false
-    t.integer "pending_jobs_count", default: 0, null: false
-    t.datetime "executed_at", null: false
-    t.text "error_message"
-    t.datetime "created_at", null: false
-    t.datetime "updated_at", null: false
-    t.index ["executed_at"], name: "index_rule_runs_on_executed_at"
-    t.index ["rule_id", "executed_at"], name: "index_rule_runs_on_rule_id_and_executed_at"
-    t.index ["rule_id"], name: "index_rule_runs_on_rule_id"
-  end
-
   create_table "securities", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.string "ticker", null: false
     t.string "name"
diff --git a/test/models/recurring_transaction_test.rb b/test/models/recurring_transaction_test.rb
index d16f147fb56..a7f638c3c09 100644
--- a/test/models/recurring_transaction_test.rb
+++ b/test/models/recurring_transaction_test.rb
@@ -27,7 +27,7 @@ def setup
     end
 
     assert_difference "@family.recurring_transactions.count", 1 do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
 
     recurring = @family.recurring_transactions.last
@@ -56,7 +56,7 @@ def setup
     end
 
     assert_no_difference "@family.recurring_transactions.count" do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
   end
 
@@ -159,7 +159,7 @@ def setup
     end
 
     assert_difference "@family.recurring_transactions.count", 1 do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
 
     recurring = @family.recurring_transactions.last
@@ -187,7 +187,7 @@ def setup
     end
 
     assert_difference "@family.recurring_transactions.count", 1 do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
 
     recurring = @family.recurring_transactions.last
@@ -235,7 +235,7 @@ def setup
 
     # Should create 2 patterns - one for each amount
     assert_difference "@family.recurring_transactions.count", 2 do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
   end
 
@@ -261,7 +261,7 @@ def setup
       )
     end
 
-    RecurringTransaction.identify_patterns_for(@family)
+    RecurringTransaction.identify_patterns_for!(@family)
     recurring = @family.recurring_transactions.last
 
     # Verify matching transactions finds the correct entries
@@ -320,7 +320,7 @@ def setup
     end
 
     assert_difference "@family.recurring_transactions.count", 2 do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
 
     # Verify both types exist
@@ -563,7 +563,7 @@ def setup
 
     # Run pattern identification
     assert_no_difference "@family.recurring_transactions.count" do
-      RecurringTransaction.identify_patterns_for(@family)
+      RecurringTransaction.identify_patterns_for!(@family)
     end
 
     # Manual recurring should be updated with new variance