diff --git a/web/admin.html b/web/admin.html
index 27604be..d390aea 100644
--- a/web/admin.html
+++ b/web/admin.html
@@ -99,28 +99,6 @@
                     </div>
                 </div>
 
-                <!-- Stats row -->
-                <div class="row g-3 mb-3">
-                    <div class="col-4">
-                        <div class="stat-card">
-                            <div class="stat-label">Real Sends</div>
-                            <div class="stat-value" id="stat-real" style="color:#4ade80;">—</div>
-                        </div>
-                    </div>
-                    <div class="col-4">
-                        <div class="stat-card">
-                            <div class="stat-label">Sandbox Sends</div>
-                            <div class="stat-value" id="stat-sandbox" style="color:var(--text-muted);">—</div>
-                        </div>
-                    </div>
-                    <div class="col-4">
-                        <div class="stat-card">
-                            <div class="stat-label">Total Logged</div>
-                            <div class="stat-value" id="stat-total">—</div>
-                        </div>
-                    </div>
-                </div>
-
                 <button class="btn btn-sm btn-secondary" onclick="markAllSandbox()">
                     <i class="fa-solid fa-flask me-1"></i>
                     Mark all existing sends as sandbox
@@ -227,10 +205,6 @@
                 document.getElementById('sandboxToggle').checked = data.sandbox_mode;
                 document.getElementById('sandboxBanner').style.display = data.sandbox_mode ? '' : 'none';
 
-                document.getElementById('stat-real').textContent = data.delivery_log_real_sent ?? '—';
-                document.getElementById('stat-sandbox').textContent = data.delivery_log_sandbox ?? '—';
-                document.getElementById('stat-total').textContent = data.delivery_log_total ?? '—';
-
                 document.getElementById('count-log').textContent = data.delivery_log_total ?? '—';
                 document.getElementById('count-attendees').textContent = data.attendees ?? '—';
                 document.getElementById('count-templates').textContent = data.templates ?? '—';
diff --git a/web/api/balance.php b/web/api/balance.php
new file mode 100644
index 0000000..7bd2e9d
--- /dev/null
+++ b/web/api/balance.php
@@ -0,0 +1,62 @@
+<?php
+declare(strict_types=1);
+
+require_once __DIR__ . '/db.php';
+
+if ($_SERVER['REQUEST_METHOD'] !== 'GET') {
+    error_out('Method not allowed', 405);
+}
+
+$db  = db();
+$row = $db->query(
+    "SELECT setting_value FROM `system` WHERE setting_name = 'clickatell_api_key'"
+)->fetch();
+
+$api_key = $row['setting_value'] ?? '';
+if ($api_key === '') {
+    json_out(['error' => 'API key not configured', 'balance' => null]);
+}
+
+$ch = curl_init('https://platform.clickatell.com/public-client/balance');
+curl_setopt_array($ch, [
+    CURLOPT_RETURNTRANSFER => true,
+    CURLOPT_TIMEOUT        => 10,
+    CURLOPT_HTTPHEADER     => [
+        'Authorization: ' . $api_key,
+        'Accept: application/json',
+        'Content-Type: application/json',
+    ],
+]);
+
+$body    = curl_exec($ch);
+$status  = curl_getinfo($ch, CURLINFO_HTTP_CODE);
+$err     = curl_error($ch);
+curl_close($ch);
+
+if ($err !== '') {
+    json_out(['error' => 'Request failed: ' . $err, 'balance' => null]);
+}
+
+$data = json_decode($body ?: '', true);
+
+if ($status !== 200 || $data === null) {
+    json_out(['error' => 'Unexpected response (HTTP ' . $status . ')', 'balance' => null, 'raw' => $body]);
+}
+
+$credit = null;
+$currency = $data['currency'] ?? null;
+
+if (isset($data['balance']) && is_numeric($data['balance'])) {
+    // Flat format: {"balance": 89.99, "currency": "GBP"}
+    $credit = $data['balance'];
+} elseif (isset($data['balance']) && is_array($data['balance']) && isset($data['balance'][0]['credit'])) {
+    // Array format: {"balance": [{"credit": "99.50", ...}]}
+    $credit = $data['balance'][0]['credit'];
+    $currency = $currency ?? ($data['balance'][0]['currency'] ?? null);
+} elseif (isset($data['credit'])) {
+    $credit = $data['credit'];
+} elseif (isset($data['data']['credit'])) {
+    $credit = $data['data']['credit'];
+}
+
+json_out(['balance' => $credit, 'currency' => $currency]);
diff --git a/web/index.html b/web/index.html
index cf22e47..25c2ea1 100644
--- a/web/index.html
+++ b/web/index.html
@@ -92,9 +92,9 @@
           </div>
         </div>
         <div class="col-6 col-sm-3">
-          <div class="stat-card border-0">
-            <div class="stat-label">Estimated Cost</div>
-            <div class="stat-value" id="stat-cost">—</div>
+          <div class="stat-card border-0" id="spendCard" role="button" tabindex="0" style="cursor:pointer;">
+            <div class="stat-label" id="stat-spend-label">Balance</div>
+            <div class="stat-value" id="stat-spend">—</div>
           </div>
         </div>
       </div>
@@ -280,23 +280,67 @@
       }
     }
 
+    let spendView = 'balance';
+    let spendData = { balance: null, currency: null, estimatedCost: null };
+
+    function formatCurrency(amount, currency) {
+      if (amount == null || Number.isNaN(Number(amount))) return '—';
+      const sym = currency === 'GBP' ? '£' : currency === 'USD' ? '$' : currency === 'EUR' ? '€' : (currency ?? '');
+      return sym + Number(amount).toFixed(2);
+    }
+
+    function renderSpendCard() {
+      const labelEl = document.getElementById('stat-spend-label');
+      const valueEl = document.getElementById('stat-spend');
+      if (!labelEl || !valueEl) return;
+
+      if (spendView === 'cost') {
+        labelEl.textContent = 'EST. COST';
+        valueEl.textContent = formatCurrency(spendData.estimatedCost, spendData.currency);
+        return;
+      }
+
+      labelEl.textContent = 'Balance';
+      valueEl.textContent = formatCurrency(spendData.balance, spendData.currency);
+    }
+
+    function toggleSpendCard() {
+      spendView = spendView === 'balance' ? 'cost' : 'balance';
+      renderSpendCard();
+    }
+
     async function loadStats() {
       try {
-        const [att, log] = await Promise.all([
+        const [att, log, bal, cost, admin] = await Promise.all([
           fetch('/api/attendees.php').then(r => r.json()),
           fetch('/api/delivery-log.php').then(r => r.json()),
+          fetch('/api/balance.php').then(r => r.json()),
+          fetch('/api/settings.php?key=clickatell_cost_per_sms').then(r => r.json()),
+          fetch('/api/admin.php').then(r => r.json()),
         ]);
         document.getElementById('stat-attendees').textContent = att.total ?? '—';
         document.getElementById('stat-sent').textContent = log.stats?.total_sent ?? '—';
         const rate = log.stats?.success_rate;
         document.getElementById('stat-rate').textContent = rate != null ? rate + '%' : '—';
-        const sent = log.stats?.total_sent;
-        const costPerSms = parseFloat((await fetch('/api/settings.php?key=clickatell_cost_per_sms').then(r => r.json())).value ?? '0.04849');
-        document.getElementById('stat-cost').textContent = sent != null
-          ? '£' + (sent * costPerSms).toFixed(2)
-          : '—';
+        spendData.balance = bal.balance != null ? Number(bal.balance) : null;
+        spendData.currency = bal.currency ?? 'GBP';
+
+        const realSent = Number(admin.delivery_log_real_sent);
+        const costPerSms = Number(cost.value);
+        spendData.estimatedCost = Number.isFinite(realSent) && Number.isFinite(costPerSms)
+          ? realSent * costPerSms
+          : null;
+
+        renderSpendCard();
       } catch { /* DB unavailable — stats stay as dashes */ }
     }
+    document.getElementById('spendCard')?.addEventListener('click', toggleSpendCard);
+    document.getElementById('spendCard')?.addEventListener('keydown', e => {
+      if (e.key === 'Enter' || e.key === ' ') {
+        e.preventDefault();
+        toggleSpendCard();
+      }
+    });
     loadStats();
     setInterval(() => loadStats(), 10_000);
   </script>