diff --git a/src/lib/ledger.ts b/src/lib/ledger.ts
index a937f60..3ff132c 100644
--- a/src/lib/ledger.ts
+++ b/src/lib/ledger.ts
@@ -1,13 +1,13 @@
-// Priority order for payment allocation: Bank → Interest → Late → Legal → Admin → Violations → Assessments
-export const BUCKETS = ["bank", "interest", "late", "legal", "admin", "viol", "assess"] as const;
+// Priority order for payment allocation: Bank → Interest → Late → Admin → Legal → Violations → Assessments
+export const BUCKETS = ["bank", "interest", "late", "admin", "legal", "viol", "assess"] as const;
 export type Bucket = (typeof BUCKETS)[number];
 
 export const BUCKET_LABEL: Record<Bucket, string> = {
   bank: "Bank Fees",
   interest: "Interest",
   late: "Late Fees",
-  legal: "Legal Fees",
   admin: "Admin Fees",
+  legal: "Legal Fees",
   viol: "Violations",
   assess: "Assessments",
 };
@@ -16,8 +16,8 @@ export const BUCKET_SHORT: Record<Bucket, string> = {
   bank: "Bank",
   interest: "Int",
   late: "Late",
-  legal: "Legal",
   admin: "Admin",
+  legal: "Legal",
   viol: "Viol",
   assess: "Assess",
 };
@@ -93,3 +93,53 @@ export function withRunningBalance(entries: LedgerEntry[], opening = 0) {
     return { ...e, runningBalance: bal };
   });
 }
+
+/**
+ * For each row, compute:
+ *  - runningBalance (overall)
+ *  - allocations: Record<Bucket, number> — how much of THIS row's payment was
+ *    applied to each bucket (in priority order). Empty / zero for non-payment rows.
+ *  - bucketBalancesAfter: per-bucket remaining balance after this row.
+ */
+export function withAllocations(entries: LedgerEntry[], opening = 0) {
+  const bal: Record<Bucket, number> = {
+    bank: 0, interest: 0, late: 0, admin: 0, legal: 0, viol: 0, assess: 0,
+  };
+  bal.assess += opening;
+  let running = opening;
+
+  return entries.map((e) => {
+    // First add this row's charges
+    BUCKETS.forEach((b) => { bal[b] += num((e as any)[b]); });
+    running += rowCharges(e);
+
+    // Then allocate this row's payment in priority order
+    const allocations: Record<Bucket, number> = {
+      bank: 0, interest: 0, late: 0, admin: 0, legal: 0, viol: 0, assess: 0,
+    };
+    let pay = num(e.payment);
+    if (pay > 0) {
+      for (const b of BUCKETS) {
+        if (pay <= 0) break;
+        if (bal[b] <= 0) continue;
+        const take = Math.min(bal[b], pay);
+        bal[b] -= take;
+        allocations[b] += take;
+        pay -= take;
+      }
+      // leftover overpayment → reduce assess (creates credit)
+      if (pay > 0) {
+        bal.assess -= pay;
+        allocations.assess += pay;
+      }
+      running -= num(e.payment);
+    }
+
+    return {
+      ...e,
+      runningBalance: running,
+      allocations,
+      bucketBalancesAfter: { ...bal },
+    };
+  });
+}