diff --git a/src/pages/BudgetWorkbookPage.tsx b/src/pages/BudgetWorkbookPage.tsx
index 35de4f4..0d27945 100644
--- a/src/pages/BudgetWorkbookPage.tsx
+++ b/src/pages/BudgetWorkbookPage.tsx
@@ -2,7 +2,7 @@ import { useEffect, useMemo, useState } from "react";
 import { useQuery, useQueryClient } from "@tanstack/react-query";
 import jsPDF from "jspdf";
 import autoTable from "jspdf-autotable";
-import { Building2, RefreshCw, Save, Upload, Download, FileText, Loader2, RotateCcw, ChevronLeft, ChevronRight } from "lucide-react";
+import { Building2, RefreshCw, Save, Upload, Download, FileText, Loader2, RotateCcw, ChevronLeft, ChevronRight, CheckCircle2 } from "lucide-react";
 import { toast } from "sonner";
 import { useAssociation } from "@/contexts/AssociationContext";
 import { supabase } from "@/integrations/supabase/client";
@@ -59,6 +59,9 @@ export default function BudgetWorkbookPage() {
   const [unitOv, setUnitOv] = useState(""); // "" = use the live unit count
   const [saving, setSaving] = useState(false);
   const [pushing, setPushing] = useState(false);
+  const [certifying, setCertifying] = useState(false);
+  const [certified, setCertified] = useState(false);
+  const [certifiedAt, setCertifiedAt] = useState<string | null>(null);
 
   const sortedAssoc = useMemo(
     () => [...(associations ?? [])].sort((a: any, b: any) => a.name.localeCompare(b.name)),
@@ -126,8 +129,41 @@ export default function BudgetWorkbookPage() {
     setYtdOv(y); setInfl(i); setProjOv(p);
     if ((workbook.head as any)?.through_month) setThrough((workbook.head as any).through_month);
     setUnitOv((workbook.head as any)?.unit_override != null ? String((workbook.head as any).unit_override) : "");
+    setCertified(!!(workbook.head as any)?.certified);
+    setCertifiedAt((workbook.head as any)?.certified_at ?? null);
   }, [workbook]);
 
+  // Certify the workbook as the board-approved budget (or revert to preliminary).
+  const toggleCertify = async () => {
+    if (!cid) return;
+    const next = !certified;
+    if (next && !confirm(`Certify the FY${fy} budget as approved? This marks the projections as the board-approved budget and removes the preliminary disclaimer.`)) return;
+    setCertifying(true);
+    try {
+      const { data: u } = await supabase.auth.getUser();
+      const { error } = await accounting.from("budget_workbooks")
+        .upsert({
+          company_id: cid, fiscal_year: fy, through_month: through,
+          unit_override: unitOv.trim() ? Math.round(Number(unitOv)) : null,
+          certified: next,
+          certified_at: next ? new Date().toISOString() : null,
+          certified_by: next ? (u?.user?.id ?? null) : null,
+          updated_at: new Date().toISOString(),
+        }, { onConflict: "company_id,fiscal_year" });
+      if (error) throw new Error(error.message);
+      setCertified(next);
+      setCertifiedAt(next ? new Date().toISOString() : null);
+      toast.success(next ? "Budget certified as approved" : "Reverted to preliminary");
+      qc.invalidateQueries({ queryKey: ["wb-state", cid, fy] });
+    } catch (e: any) {
+      toast.error(e.message || "Failed to update certification");
+    } finally {
+      setCertifying(false);
+    }
+  };
+
+  const PRELIM_NOTE = "These projections are for preliminary purposes only and are not subject to annual increases or inflation.";
+
   // Computed YTD actual per account from the GL
   const ytdComputed = useMemo(() => {
     const typeById = new Map<string, string>((accounts as any[]).map((a) => [a.id, a.type]));
@@ -267,6 +303,23 @@ export default function BudgetWorkbookPage() {
 
     let y = 100;
 
+    // Certification status: bold red preliminary disclaimer until approved.
+    if (certified) {
+      doc.setTextColor(22, 101, 52);
+      doc.setFontSize(10);
+      doc.setFont("helvetica", "bold");
+      doc.text(`APPROVED BUDGET${certifiedAt ? ` — Certified ${new Date(certifiedAt).toLocaleDateString("en-US", { year: "numeric", month: "long", day: "numeric" })}` : ""}`, margin, y);
+      y += 22;
+    } else {
+      doc.setTextColor(220, 38, 38);
+      doc.setFontSize(9.5);
+      doc.setFont("helvetica", "bold");
+      const lines = doc.splitTextToSize(PRELIM_NOTE, contentW);
+      doc.text(lines, margin, y);
+      y += lines.length * 13 + 10;
+    }
+    doc.setTextColor(30, 30, 30);
+
     const sectionTable = (title: string, rows: any[], total: number) => {
       autoTable(doc, {
         startY: y,
@@ -477,10 +530,25 @@ export default function BudgetWorkbookPage() {
                 <Button variant="outline" size="sm" onClick={exportPdf}><FileText className="h-4 w-4 mr-1" /> PDF</Button>
                 <Button variant="outline" size="sm" onClick={saveWorkbook} disabled={saving}><Save className="h-4 w-4 mr-1" /> {saving ? "Saving…" : "Save"}</Button>
                 <Button size="sm" onClick={pushToBudget} disabled={pushing}><Upload className="h-4 w-4 mr-1" /> {pushing ? "Pushing…" : "Push to Budget"}</Button>
+                <Button size="sm" variant={certified ? "outline" : "default"} onClick={toggleCertify} disabled={certifying}
+                  className={certified ? "" : "bg-emerald-600 hover:bg-emerald-700"}>
+                  <CheckCircle2 className="h-4 w-4 mr-1" /> {certifying ? "Saving…" : certified ? "Certified ✓" : "Certify as Approved"}
+                </Button>
               </div>
             </CardContent>
           </Card>
 
+          {certified ? (
+            <div className="rounded-md border border-emerald-300 bg-emerald-50 px-4 py-2.5 text-sm text-emerald-800 flex items-center gap-2">
+              <CheckCircle2 className="h-4 w-4 shrink-0" />
+              <span><strong>Approved budget.</strong> Certified{certifiedAt ? ` on ${new Date(certifiedAt).toLocaleDateString("en-US", { year: "numeric", month: "long", day: "numeric" })}` : ""}.</span>
+            </div>
+          ) : (
+            <div className="rounded-md border-2 border-red-500 bg-red-50 px-4 py-3 text-center">
+              <p className="font-bold text-red-600">{PRELIM_NOTE}</p>
+            </div>
+          )}
+
           {/* Summary */}
           <div className="grid gap-3 sm:grid-cols-2 lg:grid-cols-4">
             <Card><CardContent className="p-4"><div className="text-xs text-muted-foreground uppercase tracking-wide">Annual Budget (Expenses)</div><div className="text-xl font-semibold mt-1 tabular-nums">{money(expenseAnnual)}</div></CardContent></Card>