feat(go): scheduled bank sync (Go only)

The Go server now runs sync -> infer -> flush-cache by itself at the
times in SYNC_SCHEDULE (comma-separated HH:MM, default 04:00, "off"
disables), read in SYNC_TZ (default Europe/Prague). Nothing runs at
startup; an invalid value stops the server with an error.

- internal/scheduler: time-of-day parsing, Next, and the run loop
- banksync.Runner: one lock shared by /sync-bank and the scheduler so
  runs never overlap, plus the status of the last run
- footer shows the last sync since start and the next scheduled run
- binary embeds time/tzdata because the Alpine image has no zone data

Deliberately not implemented in the legacy Python app, which is being
phased out; recorded in CLAUDE.md under "Deliberately Go-only features".

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

CHANGELOG.md

@@ -1,5 +1,14 @@
 # Changelog
 
+## 2026-10-08 12:16 CEST — feat(go): scheduled bank sync (Go only)
+
+- The Go server now runs the bank sync (sync → infer → flush cache) by itself at the times in `SYNC_SCHEDULE` (comma-separated `HH:MM`, default `04:00`, `off` disables), read in `SYNC_TZ` (default `Europe/Prague`). Nothing runs at startup; an invalid value stops the server at startup with an error.
+- Manual `/sync-bank` and scheduled runs share one lock, so two syncs can no longer overlap; a second request gets "a sync is already running".
+- The page footer shows the last sync since start (time, trigger, ok/FAILED) and the next scheduled run.
+- The binary embeds the time zone database (`time/tzdata`), since the Alpine image has none.
+- Deliberately not implemented in the legacy Python app, which is being phased out; recorded in `CLAUDE.md` under "Deliberately Go-only features".
+- Key files: `go/internal/scheduler/`, `go/internal/services/banksync/runner.go`, `go/cmd/fuj/main.go`, `go/internal/config/config.go`, `go/internal/web/`.
+
 ## 2026-10-08 12:04 CEST — fix(sync): dashboard sync covers the current year plus Nov–Dec of the previous one
 
 - `/sync-bank` now uses one shared default window in both implementations: 1 November of the previous year to 31 December of the current year. Payments dated around New Year are picked up in January; duplicates are still filtered by Sync ID.

CLAUDE.md

@@ -20,6 +20,12 @@ Until the Python version is retired, **every new feature and every behaviour cha
 
 Go-only or Python-only changes are fine for things that exist on one side only (build, tooling, HTML/CSS/JS, refactors with no behaviour change).
 
+### Deliberately Go-only features
+
+These exist only in the Go app on purpose. Do not port them to the legacy Python app, which is being phased out:
+
+- **Scheduled bank sync** — the Go server runs sync → infer → flush-cache by itself at the times in `SYNC_SCHEDULE`. Python's multi-worker gunicorn setup would need a cross-process lock for this, which is not worth building in code that is going away. In Python the sync still runs only from `/sync-bank` or the CLI.
+
 ## Key Constraints
 
 - **PII separation**: Member data (names, emails, payment info) must never be committed to git. Enforce config/data separation from day one.
@@ -104,10 +110,11 @@ Fio Bank API               ──► bank sync ──► Google Sheets (payments
 
 - `go/cmd/fuj` — CLI entry point; subcommands `server`, `fees`, `reconcile`, `sync`, `infer`, `version`.
 - `go/cmd/parity` — diffs the JSON API of the Go and Python servers.
-- `go/internal/config` — sheet IDs, bank accounts, env-driven settings (`CREDENTIALS_PATH`, `CACHE_DIR`, `CACHE_TTL_SECONDS`, `CACHE_API_CHECK_TTL_SECONDS`, `MONTHS_TO_SHOW`, `SERVER_ADDR`, `LOG_LEVEL`, `FIO_API_TOKEN_NEW` / `FIO_API_TOKEN_OLD`).
+- `go/internal/config` — sheet IDs, bank accounts, env-driven settings (`CREDENTIALS_PATH`, `CACHE_DIR`, `CACHE_TTL_SECONDS`, `CACHE_API_CHECK_TTL_SECONDS`, `MONTHS_TO_SHOW`, `SERVER_ADDR`, `LOG_LEVEL`, `FIO_API_TOKEN_NEW` / `FIO_API_TOKEN_OLD`, `SYNC_SCHEDULE`, `SYNC_TZ`).
 - `go/internal/domain` — pure logic: `fees` (rates, `CalculateFee`, `CalculateJuniorFee`), `reconcile`, `matching` (name matching, inference), `czech` (normalize, month parsing), `money`, `synch` (sync IDs).
 - `go/internal/io` — external systems: `attendance` (CSV export), `sheets`, `drive`, `fio` (API + transparent-page scraper), `cache` (file cache). Each has a fake for tests.
-- `go/internal/services` — `membership` (loading, merged months, fee and reconcile reports) and `banksync` (Fio sync + inference).
+- `go/internal/services` — `membership` (loading, merged months, fee and reconcile reports) and `banksync` (Fio sync + inference; `Runner` serialises manual and scheduled runs).
+- `go/internal/scheduler` — runs a job at fixed times of day; used by `fuj server` for the scheduled bank sync.
 - `go/internal/web` — routes for `/adults`, `/juniors`, `/payments`, `/sync-bank`, `/flush-cache`, `/qr`, `/version`, `/api/*`; `templates/` and `static/` are embedded.
 - `go/tests` — parity tests and the scrubbed fixture corpus captured from Python.
 
@@ -144,6 +151,13 @@ Tiers are set in column B of the attendance sheet:
 
 Both implementations check the Drive API `modifiedTime` and serve a cached JSON file when the sheet hasn't changed, falling back to 5-minute TTL buckets when the Drive API is unavailable. Go: `go/internal/io/cache`, files in `tmp/go/` (`CACHE_DIR`). Python: `get_cached_data()` in `legacy/app.py`, files in `legacy/tmp/`, warmed up at startup (`warmup_cache()`). Flush via `/flush-cache` (POST).
 
+### Bank sync
+
+- Manual: open `/sync-bank` (both apps) or run `fuj sync` + `fuj infer` / `make sync-year` + `make infer`.
+- Scheduled (Go server only): at each time in `SYNC_SCHEDULE` (comma-separated `HH:MM`, default `04:00`; `off` disables) read in `SYNC_TZ` (default `Europe/Prague`). Nothing runs at startup. Manual and scheduled runs share one lock and never overlap. The page footer shows the last run since start and the next one.
+- Both use the same window: 1 November of the previous year to 31 December of the current year; rows are de-duplicated by Sync ID.
+- The schedule runs per process: keep the deployment at one replica, and note that a local `make web-go` with real credentials also syncs at the scheduled time unless `SYNC_SCHEDULE=off`.
+
 ### Payments sheet columns
 
 `Date | Amount | manual fix | Person | Purpose | Inferred Amount | Sender | VS | Message | Bank ID | Sync ID`

docs/plans/2026-10-08-1026-pre-feature-cleanup-tasks.md

@@ -136,7 +136,9 @@ before new feature work starts. Companion to the Go rewrite tracker,
   - `warmup_cache()` runs at import of `app.py`, so `make test` makes real
     Drive and Sheets read calls and needs the credentials file.
   - Moot if Python is retired.
-- [ ] **T18** Set the time zone in the Go container.
+- [ ] **T18** Set the time zone in the Go container. Partly addressed
+  2026-10-08: the binary now embeds the zone database and the scheduled sync
+  uses `SYNC_TZ`; the "current month" logic below is still open.
   - The image has no time zone configured, so `time.Now()` is UTC and the
     "current month" flips one to two hours late at month boundaries.
   - The Python image sets `Europe/Prague`.
@@ -161,6 +163,12 @@ Plan: [2026-10-08-1103-api-parity-vs-months-to-show.md](2026-10-08-1103-api-pari
   dropped leading zeros. New rows now carry a text marker; existing rows are
   left as they are and are read correctly either way.
 
+## Features added since the audit
+
+- 2026-10-08 — Scheduled bank sync in the Go server, deliberately Go-only.
+  Plan: [2026-10-08-1216-scheduled-bank-sync.md](2026-10-08-1216-scheduled-bank-sync.md).
+  It also added a lock so two syncs cannot overlap (relevant to T8).
+
 ## Notes & decisions
 
 (Add entries as you go. Format: `YYYY-MM-DD — short note`.)

docs/plans/2026-10-08-1216-scheduled-bank-sync.md

@@ -0,0 +1,134 @@
+# Scheduled bank sync in the Go server (Go only)
+
+## Context
+
+Bank synchronization only runs when someone opens `/sync-bank`; the payments
+sheet is as fresh as the last click. The Go server should run the same
+sync → infer → flush-cache sequence by itself on a configured schedule,
+defaulting to once a day.
+
+Decisions already made:
+
+- **Go only.** Deliberately not implemented in the legacy Python app, which is
+  being phased out (gunicorn's multi-worker model would also need a
+  cross-process lock). This is recorded as an explicit exception to the dual
+  implementation rule.
+- **Schedule format:** one or more times of day. On by default, once a day.
+
+## Behaviour
+
+- `SYNC_SCHEDULE` — comma-separated `HH:MM` times, default `04:00`.
+  `off` disables the scheduler. An invalid value makes `fuj server` exit at
+  startup with a clear error.
+- `SYNC_TZ` — IANA zone the times are read in, default `Europe/Prague`.
+  The binary embeds the zone database (`import _ "time/tzdata"`), because the
+  Alpine image has none.
+- At each scheduled time the server runs exactly what `/sync-bank` runs
+  (`banksync.DefaultWindow`, `SyncToSheets`, `InferPayments`, cache flush),
+  with a 10-minute timeout, and logs start, result and row counts via `slog`.
+- Nothing runs at startup; a restart only recomputes the next run time.
+- A scheduled run and a manual `/sync-bank` can no longer overlap: both go
+  through one mutex. If a sync is already running, the manual page shows
+  "a sync is already running" and a scheduled run is skipped with a log line.
+  (This also closes today's gap where two overlapping manual runs could append
+  the same rows.)
+- The footer of every page shows the last sync since the server started:
+  time, trigger (scheduled / manual), ok or failed, and the next scheduled
+  run. Status is in memory only and resets on restart.
+
+## Implementation
+
+Branch `feat/scheduled-bank-sync` off `main`; MR via `tea`.
+
+1. **Config** — `go/internal/config/config.go`
+   - Add `SyncSchedule []TimeOfDay` and `SyncLocation *time.Location` to
+     `Config`.
+   - Add `ParseSyncSchedule(s string) ([]TimeOfDay, error)` (`"off"` → empty,
+     sorted, de-duplicated, rejects anything not `HH:MM`) and a
+     `LoadSyncSchedule() (…, error)` reading `SYNC_SCHEDULE` / `SYNC_TZ`.
+     `Load()` keeps its signature; `serverCmd` calls the new loader and exits
+     on error.
+   - New `config_test.go` for the parser (first tests in this package).
+
+2. **Scheduler** — new package `go/internal/scheduler`
+   - `Next(now time.Time, times []TimeOfDay, loc *time.Location) time.Time` —
+     pure; builds candidates with `time.Date` in `loc` for today and tomorrow
+     and returns the earliest one strictly after `now` (handles DST days).
+   - `Run(ctx, times, loc, logger, job func(context.Context))` — loop:
+     compute `Next`, wait on a timer or `ctx.Done()`, call `job`.
+   - Tests: `Next` table test (before/after today's time, multiple times,
+     midnight rollover, the two DST switch days in Europe/Prague); `Run` with
+     a cancelled context returns.
+
+3. **Sync runner with lock and status** — new
+   `go/internal/services/banksync/runner.go`
+   - `Runner` wraps the existing sync+infer function (moved out of the
+     closure in `go/cmd/fuj/main.go`) with a `sync.Mutex` (`TryLock`) and
+     records `Status{Started, Finished, Trigger, Err}`.
+   - `Run(ctx, trigger string, out io.Writer) error` returns `ErrBusy` when a
+     run is in progress. `Last() (Status, bool)` for display.
+   - Tests with a fake job: status recorded, error recorded, second
+     concurrent call gets `ErrBusy`.
+
+4. **Wiring** — `go/cmd/fuj/main.go`
+   - Add `import _ "time/tzdata"`.
+   - Build one `Runner`; `ActionHandlers.BankSync` calls
+     `runner.Run(ctx, "manual", out)` (signature unchanged, so
+     `TestServeSync` keeps working).
+   - If the schedule is non-empty, start `go scheduler.Run(...)` whose job
+     calls `runner.Run(ctx, "scheduled", &buf)` with a 10-minute timeout, then
+     `sources.FlushCache()`, and logs the outcome. Log the schedule and next
+     run at startup, or "scheduled sync disabled".
+
+5. **Display** — `go/internal/web`
+   - `ActionHandlers` gains optional `SyncInfo func() string` (last + next run
+     as one line). `PageData` gains `SyncInfo string`; add a small
+     `h.page(active)` helper in `html_handler.go` and use it where
+     `PageData{Active: …, Build: h.build}` is built today.
+   - `templates/partials/footer.tmpl`: append the line when non-empty.
+   - `templates/sync.tmpl`: fix the description, which still says "current
+     year" (stale since the window change).
+   - Extend `html_handler_test.go`: footer shows the info when provided,
+     nothing extra when not.
+
+6. **Docs and notes**
+   - `CLAUDE.md`: document `SYNC_SCHEDULE` / `SYNC_TZ` under the Go config
+     list and the commands/architecture text; under "Dual implementation
+     rule" add a "Deliberately Go-only" list with this feature and the reason.
+   - `legacy/app.py`: one comment above `sync_bank()` stating that scheduled
+     sync exists only in Go, on purpose.
+   - `CHANGELOG.md` entry; copy this plan to
+     `docs/plans/2026-10-08-HHMM-scheduled-bank-sync.md`.
+   - Add a note to the cleanup task list: T18 (time zone) is addressed for
+     the scheduler only; the "current month" logic still uses the process
+     clock.
+
+No new dependencies. No Dockerfile change. No change to parity fixtures or
+the JSON API.
+
+## Deployment notes (for the MR description)
+
+- On by default at 04:00 Europe/Prague. Set `SYNC_SCHEDULE=off` to disable.
+- A locally running `make web-go` with real credentials will also sync at
+  that time.
+- With more than one replica each pod would run its own schedule; the
+  deployment must stay at one replica (or disable the schedule on extras).
+- Without `FIO_API_TOKEN_*` the sync scrapes the transparent-account pages,
+  as today.
+
+## Verification
+
+1. `make go-test-all` and `make go-lint` equivalent (`go vet`, `gofmt -l`);
+   `make test` to confirm Python is untouched.
+2. Start `fuj server` with `SYNC_SCHEDULE=off` → log says disabled, footer
+   shows no schedule.
+3. Start with an invalid value (`SYNC_SCHEDULE=25:00`) → exits with an error.
+4. Live check: start with `SYNC_SCHEDULE` set two minutes ahead and watch the
+   log for the scheduled run and the footer for the status line. **This
+   performs one real sync** against the payments sheet (currently one pending
+   transaction would be appended) — the same thing a click on `/sync-bank`
+   does.
+5. While that run is in progress, or with a test job, confirm a second
+   trigger reports "already running".
+6. Build the Go image and confirm the schedule log line shows the Prague
+   zone inside the container (proves the embedded zone data works).

go/cmd/fuj/main.go

@@ -1,20 +1,25 @@
 package main
 
 import (
+	"bytes"
 	"context"
+	"errors"
 	"flag"
 	"fmt"
 	"fuj-management/go/internal/config"
 	"fuj-management/go/internal/io/fio"
 	"fuj-management/go/internal/io/sheets"
 	"fuj-management/go/internal/logging"
+	"fuj-management/go/internal/scheduler"
 	"fuj-management/go/internal/services/banksync"
 	"fuj-management/go/internal/services/membership"
 	"fuj-management/go/internal/web"
 	"io"
 	"log/slog"
 	"os"
+	"strings"
 	"time"
+	_ "time/tzdata" // the container image has no zone database; SYNC_TZ needs one
 )
 
 // Injected at build time via -ldflags "-X main.version=... -X main.commit=... -X main.buildDate=..."
@@ -90,8 +95,16 @@ func serverCmd(args []string) {
 	}
 	fioClients := buildFioClients(cfg)
 
-	actions := web.ActionHandlers{
+	syncTimes, syncLoc, err := config.LoadSyncSchedule()
-		BankSync: func(ctx context.Context, out io.Writer) error {
+	if err != nil {
+		fmt.Fprintf(os.Stderr, "fuj server: %v\n", err)
+		os.Exit(2)
+	}
+
+	// One runner serves both the /sync-bank page and the scheduler, so the two
+	// can never run at the same time.
+	runner := banksync.NewRunner(
+		func(ctx context.Context, out io.Writer) error {
 			from, to := banksync.DefaultWindow(time.Now())
 
 			fmt.Fprintln(out, "=== Sync Fio Transactions ===")
@@ -110,6 +123,22 @@ func serverCmd(args []string) {
 			fmt.Fprintf(out, "Inferred %d row(s).\n", n)
 			return nil
 		},
+	)
+
+	actions := web.ActionHandlers{
+		BankSync: func(ctx context.Context, out io.Writer) error {
+			return runner.Run(ctx, "manual", out)
+		},
+		SyncInfo: func() string { return syncInfo(runner, syncTimes, syncLoc, time.Now()) },
+	}
+
+	if len(syncTimes) == 0 {
+		logger.Info("scheduled bank sync disabled (SYNC_SCHEDULE=off)")
+	} else {
+		logger.Info("scheduled bank sync enabled", "times", fmt.Sprint(syncTimes), "tz", syncLoc.String())
+		go scheduler.Run(ctx, syncTimes, syncLoc, logger, func(ctx context.Context) {
+			scheduledSync(ctx, logger, runner, sources)
+		})
 	}
 
 	build := web.BuildInfo{Version: version, Commit: commit, BuildDate: buildDate}
@@ -120,6 +149,55 @@ func serverCmd(args []string) {
 	}
 }
 
+// scheduledSyncTimeout bounds one scheduled run (two bank fetches plus sheet writes).
+const scheduledSyncTimeout = 10 * time.Minute
+
+// scheduledSync is the scheduler's job: the same sync → infer → flush-cache
+// sequence as the /sync-bank page, with the outcome written to the log.
+func scheduledSync(ctx context.Context, logger *slog.Logger, runner *banksync.Runner, sources membership.Sources) {
+	ctx, cancel := context.WithTimeout(ctx, scheduledSyncTimeout)
+	defer cancel()
+
+	logger.Info("scheduled bank sync starting")
+	var buf bytes.Buffer
+	err := runner.Run(ctx, "scheduled", &buf)
+	if errors.Is(err, banksync.ErrBusy) {
+		logger.Warn("scheduled bank sync skipped: a sync is already running")
+		return
+	}
+	output := strings.Join(strings.Fields(buf.String()), " ")
+	if _, ferr := sources.FlushCache(); ferr != nil {
+		logger.Error("scheduled bank sync: cache flush failed", "err", ferr)
+	}
+	if err != nil {
+		logger.Error("scheduled bank sync failed", "err", err, "output", output)
+		return
+	}
+	logger.Info("scheduled bank sync finished", "output", output)
+}
+
+// syncInfo renders the footer line: the last run since the server started
+// and the next scheduled one.
+func syncInfo(runner *banksync.Runner, times []scheduler.TimeOfDay, loc *time.Location, now time.Time) string {
+	const layout = "2006-01-02 15:04"
+	var parts []string
+	if st, ok := runner.Last(); ok {
+		result := "ok"
+		if st.Err != nil {
+			result = "FAILED"
+		}
+		parts = append(parts, fmt.Sprintf("last sync %s (%s) %s", st.Finished.In(loc).Format(layout), st.Trigger, result))
+	} else {
+		parts = append(parts, "no sync since start")
+	}
+	if next := scheduler.Next(now, times, loc); !next.IsZero() {
+		parts = append(parts, "next "+next.Format(layout))
+	} else {
+		parts = append(parts, "scheduled sync off")
+	}
+	return strings.Join(parts, " | ")
+}
+
 func feesCmd(args []string) {
 	fs := flag.NewFlagSet("fees", flag.ExitOnError)
 	fs.Usage = func() {

go/cmd/fuj/main_test.go

@@ -0,0 +1,35 @@
+package main
+
+import (
+	"context"
+	"errors"
+	"fuj-management/go/internal/scheduler"
+	"fuj-management/go/internal/services/banksync"
+	"io"
+	"strings"
+	"testing"
+	"time"
+)
+
+func TestSyncInfo(t *testing.T) {
+	now := time.Date(2026, 10, 8, 12, 0, 0, 0, time.UTC)
+	four := []scheduler.TimeOfDay{{Hour: 4}}
+
+	ok := banksync.NewRunner(func(context.Context, io.Writer) error { return nil })
+	if got := syncInfo(ok, four, time.UTC, now); got != "no sync since start | next 2026-10-09 04:00" {
+		t.Errorf("before any run: %q", got)
+	}
+	if err := ok.Run(context.Background(), "scheduled", io.Discard); err != nil {
+		t.Fatal(err)
+	}
+	got := syncInfo(ok, nil, time.UTC, now)
+	if !strings.HasPrefix(got, "last sync ") || !strings.HasSuffix(got, "(scheduled) ok | scheduled sync off") {
+		t.Errorf("after ok run, schedule off: %q", got)
+	}
+
+	bad := banksync.NewRunner(func(context.Context, io.Writer) error { return errors.New("boom") })
+	_ = bad.Run(context.Background(), "manual", io.Discard)
+	if got := syncInfo(bad, four, time.UTC, now); !strings.Contains(got, "(manual) FAILED | next 2026-10-09 04:00") {
+		t.Errorf("after failed run: %q", got)
+	}
+}

go/internal/config/config.go

@@ -1,6 +1,8 @@
 package config
 
 import (
+	"fmt"
+	"fuj-management/go/internal/scheduler"
 	"os"
 	"strconv"
 	"strings"
@@ -92,6 +94,28 @@ func Load() Config {
 	}
 }
 
+// Scheduled bank sync defaults (Go server only; the legacy Python app has no scheduler).
+const (
+	DefaultSyncSchedule = "04:00"         // SYNC_SCHEDULE: comma-separated HH:MM times, or "off"
+	DefaultSyncTimezone = "Europe/Prague" // SYNC_TZ: IANA zone the schedule is read in
+)
+
+// LoadSyncSchedule reads SYNC_SCHEDULE and SYNC_TZ. An empty schedule means
+// the scheduled sync is disabled. Resolving the zone needs a zone database:
+// the server binary embeds one via time/tzdata.
+func LoadSyncSchedule() ([]scheduler.TimeOfDay, *time.Location, error) {
+	times, err := scheduler.ParseTimes(env("SYNC_SCHEDULE", DefaultSyncSchedule))
+	if err != nil {
+		return nil, nil, fmt.Errorf("SYNC_SCHEDULE: %w", err)
+	}
+	tz := env("SYNC_TZ", DefaultSyncTimezone)
+	loc, err := time.LoadLocation(tz)
+	if err != nil {
+		return nil, nil, fmt.Errorf("SYNC_TZ: unknown time zone %q", tz)
+	}
+	return times, loc, nil
+}
+
 // IBANAccountNum extracts the bare account number from a Czech IBAN.
 // "CZ8520100000002800359168" → "2800359168"
 // Structure: CZ(2 check)(4 bank code)(16 zero-padded account).

go/internal/config/config_test.go

@@ -0,0 +1,45 @@
+package config
+
+import (
+	"testing"
+)
+
+func TestLoadSyncSchedule(t *testing.T) {
+	cases := []struct {
+		name, schedule, tz string
+		wantTimes          int
+		wantZone           string
+		wantErr            bool
+	}{
+		{"defaults", "", "", 1, "Europe/Prague", false},
+		{"two times", "06:00,18:00", "", 2, "Europe/Prague", false},
+		{"off", "off", "", 0, "Europe/Prague", false},
+		{"other zone", "04:00", "UTC", 1, "UTC", false},
+		{"bad time", "25:00", "", 0, "", true},
+		{"bad zone", "04:00", "Mars/Olympus", 0, "", true},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			t.Setenv("SYNC_SCHEDULE", tc.schedule)
+			t.Setenv("SYNC_TZ", tc.tz)
+			times, loc, err := LoadSyncSchedule()
+			if (err != nil) != tc.wantErr {
+				t.Fatalf("err = %v, wantErr %v", err, tc.wantErr)
+			}
+			if tc.wantErr {
+				return
+			}
+			if len(times) != tc.wantTimes {
+				t.Errorf("times = %v, want %d entries", times, tc.wantTimes)
+			}
+			if loc.String() != tc.wantZone {
+				t.Errorf("zone = %s, want %s", loc, tc.wantZone)
+			}
+		})
+	}
+	t.Setenv("SYNC_SCHEDULE", "")
+	t.Setenv("SYNC_TZ", "")
+	if times, _, _ := LoadSyncSchedule(); len(times) != 1 || times[0].String() != DefaultSyncSchedule {
+		t.Errorf("default schedule = %v, want [%s]", times, DefaultSyncSchedule)
+	}
+}

go/internal/scheduler/scheduler.go

@@ -0,0 +1,95 @@
+// Package scheduler runs a job at fixed times of day.
+package scheduler
+
+import (
+	"context"
+	"fmt"
+	"log/slog"
+	"sort"
+	"strings"
+	"time"
+)
+
+// TimeOfDay is a wall-clock time without a date.
+type TimeOfDay struct {
+	Hour, Minute int
+}
+
+func (t TimeOfDay) String() string { return fmt.Sprintf("%02d:%02d", t.Hour, t.Minute) }
+
+// ParseTimes parses a comma-separated list of HH:MM times, e.g. "04:00" or
+// "06:00,18:00". "off" yields an empty schedule. The result is sorted and
+// de-duplicated.
+func ParseTimes(s string) ([]TimeOfDay, error) {
+	s = strings.TrimSpace(s)
+	if strings.EqualFold(s, "off") {
+		return nil, nil
+	}
+	seen := map[TimeOfDay]bool{}
+	var times []TimeOfDay
+	for _, part := range strings.Split(s, ",") {
+		part = strings.TrimSpace(part)
+		parsed, err := time.Parse("15:04", part)
+		if err != nil {
+			return nil, fmt.Errorf("invalid time %q: want HH:MM, a comma-separated list of them, or \"off\"", part)
+		}
+		t := TimeOfDay{Hour: parsed.Hour(), Minute: parsed.Minute()}
+		if !seen[t] {
+			seen[t] = true
+			times = append(times, t)
+		}
+	}
+	sort.Slice(times, func(i, j int) bool {
+		if times[i].Hour != times[j].Hour {
+			return times[i].Hour < times[j].Hour
+		}
+		return times[i].Minute < times[j].Minute
+	})
+	return times, nil
+}
+
+// Next returns the earliest scheduled instant strictly after now, with the
+// times read in loc. It returns the zero time when times is empty.
+func Next(now time.Time, times []TimeOfDay, loc *time.Location) time.Time {
+	local := now.In(loc)
+	var best time.Time
+	for dayOffset := 0; dayOffset <= 1; dayOffset++ {
+		for _, t := range times {
+			c := time.Date(local.Year(), local.Month(), local.Day()+dayOffset, t.Hour, t.Minute, 0, 0, loc)
+			if c.After(now) && (best.IsZero() || c.Before(best)) {
+				best = c
+			}
+		}
+	}
+	return best
+}
+
+// pollInterval bounds each wait so the loop follows the wall clock across
+// clock adjustments and host suspend instead of relying on one long timer.
+const pollInterval = time.Minute
+
+// Run calls job at every scheduled time until ctx is cancelled. Nothing runs
+// at startup. Runs do not overlap: the next time is computed after job returns.
+func Run(ctx context.Context, times []TimeOfDay, loc *time.Location, logger *slog.Logger, job func(context.Context)) {
+	for {
+		next := Next(time.Now(), times, loc)
+		if next.IsZero() {
+			return
+		}
+		logger.Info("next scheduled run", "at", next.Format(time.RFC3339))
+		for {
+			wait := time.Until(next)
+			if wait <= 0 {
+				break
+			}
+			timer := time.NewTimer(min(wait, pollInterval))
+			select {
+			case <-ctx.Done():
+				timer.Stop()
+				return
+			case <-timer.C:
+			}
+		}
+		job(ctx)
+	}
+}

go/internal/scheduler/scheduler_test.go

@@ -0,0 +1,115 @@
+package scheduler
+
+import (
+	"context"
+	"io"
+	"log/slog"
+	"reflect"
+	"testing"
+	"time"
+)
+
+func TestParseTimes(t *testing.T) {
+	cases := []struct {
+		in      string
+		want    []TimeOfDay
+		wantErr bool
+	}{
+		{"04:00", []TimeOfDay{{4, 0}}, false},
+		{" 18:30 , 06:00,06:00 ", []TimeOfDay{{6, 0}, {18, 30}}, false},
+		{"off", nil, false},
+		{"OFF", nil, false},
+		{"", nil, true},
+		{"25:00", nil, true},
+		{"04:60", nil, true},
+		{"daily", nil, true},
+		{"04:00,", nil, true},
+	}
+	for _, tc := range cases {
+		got, err := ParseTimes(tc.in)
+		if (err != nil) != tc.wantErr {
+			t.Errorf("ParseTimes(%q): err = %v, wantErr %v", tc.in, err, tc.wantErr)
+			continue
+		}
+		if !reflect.DeepEqual(got, tc.want) {
+			t.Errorf("ParseTimes(%q) = %v, want %v", tc.in, got, tc.want)
+		}
+	}
+}
+
+func TestNext(t *testing.T) {
+	prague, err := time.LoadLocation("Europe/Prague")
+	if err != nil {
+		t.Fatal(err)
+	}
+	at := func(s string) time.Time {
+		v, err := time.ParseInLocation("2006-01-02 15:04:05", s, prague)
+		if err != nil {
+			t.Fatal(err)
+		}
+		return v
+	}
+	four := []TimeOfDay{{4, 0}}
+	cases := []struct {
+		name  string
+		now   time.Time
+		times []TimeOfDay
+		want  time.Time
+	}{
+		{"before today's time", at("2026-10-08 03:59:59"), four, at("2026-10-08 04:00:00")},
+		{"exactly at the time moves to tomorrow", at("2026-10-08 04:00:00"), four, at("2026-10-09 04:00:00")},
+		{"after today's time", at("2026-10-08 12:00:00"), four, at("2026-10-09 04:00:00")},
+		{"picks the next of several", at("2026-10-08 12:00:00"), []TimeOfDay{{6, 0}, {18, 0}}, at("2026-10-08 18:00:00")},
+		{"year rollover", at("2026-12-31 23:00:00"), four, at("2027-01-01 04:00:00")},
+		{"now given in UTC", at("2026-10-08 03:00:00").UTC(), four, at("2026-10-08 04:00:00")},
+		// Spring forward (2026-03-29 02:00 → 03:00): still 04:00 local, 23h after the previous run.
+		{"spring forward", at("2026-03-28 04:00:00"), four, at("2026-03-29 04:00:00")},
+		// Fall back (2026-10-25 03:00 → 02:00): still 04:00 local, 25h after the previous run.
+		{"fall back", at("2026-10-24 04:00:00"), four, at("2026-10-25 04:00:00")},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			got := Next(tc.now, tc.times, prague)
+			if !got.Equal(tc.want) {
+				t.Errorf("Next = %s, want %s", got, tc.want)
+			}
+		})
+	}
+	if got := Next(at("2026-10-08 12:00:00"), nil, prague); !got.IsZero() {
+		t.Errorf("Next with empty schedule = %s, want zero", got)
+	}
+	if d := at("2026-03-29 04:00:00").Sub(at("2026-03-28 04:00:00")); d != 23*time.Hour {
+		t.Errorf("spring-forward gap = %s, want 23h", d)
+	}
+}
+
+func TestRunStopsOnCancelAndEmptySchedule(t *testing.T) {
+	logger := slog.New(slog.NewTextHandler(io.Discard, nil))
+	called := false
+	job := func(context.Context) { called = true }
+
+	done := make(chan struct{})
+	go func() { Run(context.Background(), nil, time.UTC, logger, job); close(done) }()
+	select {
+	case <-done:
+	case <-time.After(2 * time.Second):
+		t.Fatal("Run with empty schedule did not return")
+	}
+
+	ctx, cancel := context.WithCancel(context.Background())
+	done = make(chan struct{})
+	far := time.Now().UTC().Add(12 * time.Hour)
+	go func() {
+		Run(ctx, []TimeOfDay{{far.Hour(), far.Minute()}}, time.UTC, logger, job)
+		close(done)
+	}()
+	cancel()
+	select {
+	case <-done:
+	case <-time.After(2 * time.Second):
+		t.Fatal("Run did not return after cancel")
+	}
+	if called {
+		t.Error("job must not run before its scheduled time")
+	}
+}

go/internal/services/banksync/runner.go

@@ -0,0 +1,63 @@
+package banksync
+
+import (
+	"context"
+	"errors"
+	"io"
+	"sync"
+	"time"
+)
+
+// ErrBusy is returned by Runner.Run when another run is still in progress.
+var ErrBusy = errors.New("a sync is already running")
+
+// RunStatus describes one finished run of a Runner.
+type RunStatus struct {
+	Started, Finished time.Time
+	Trigger           string // "manual" or "scheduled"
+	Err               error
+}
+
+// Runner serialises bank sync runs so a scheduled run and a manual one never
+// overlap (overlapping runs could append the same rows twice), and remembers
+// the outcome of the last run for display.
+type Runner struct {
+	job func(ctx context.Context, out io.Writer) error
+
+	running sync.Mutex
+
+	mu      sync.Mutex
+	last    RunStatus
+	hasLast bool
+}
+
+// NewRunner wraps job, which performs one full sync and writes a
+// human-readable log to out.
+func NewRunner(job func(ctx context.Context, out io.Writer) error) *Runner {
+	return &Runner{job: job}
+}
+
+// Run executes the job unless one is already running, in which case it
+// returns ErrBusy without waiting.
+func (r *Runner) Run(ctx context.Context, trigger string, out io.Writer) error {
+	if !r.running.TryLock() {
+		return ErrBusy
+	}
+	defer r.running.Unlock()
+
+	st := RunStatus{Started: time.Now(), Trigger: trigger}
+	st.Err = r.job(ctx, out)
+	st.Finished = time.Now()
+
+	r.mu.Lock()
+	r.last, r.hasLast = st, true
+	r.mu.Unlock()
+	return st.Err
+}
+
+// Last returns the outcome of the most recent finished run, if any.
+func (r *Runner) Last() (RunStatus, bool) {
+	r.mu.Lock()
+	defer r.mu.Unlock()
+	return r.last, r.hasLast
+}

go/internal/services/banksync/runner_test.go

@@ -0,0 +1,65 @@
+package banksync
+
+import (
+	"context"
+	"errors"
+	"io"
+	"testing"
+)
+
+func TestRunner_RecordsStatus(t *testing.T) {
+	r := NewRunner(func(context.Context, io.Writer) error { return nil })
+	if _, ok := r.Last(); ok {
+		t.Fatal("Last before any run: want ok=false")
+	}
+	if err := r.Run(context.Background(), "scheduled", io.Discard); err != nil {
+		t.Fatal(err)
+	}
+	st, ok := r.Last()
+	if !ok || st.Trigger != "scheduled" || st.Err != nil || st.Finished.Before(st.Started) {
+		t.Errorf("unexpected status %+v ok=%v", st, ok)
+	}
+}
+
+func TestRunner_RecordsError(t *testing.T) {
+	boom := errors.New("boom")
+	r := NewRunner(func(context.Context, io.Writer) error { return boom })
+	if err := r.Run(context.Background(), "manual", io.Discard); !errors.Is(err, boom) {
+		t.Fatalf("Run err = %v, want boom", err)
+	}
+	if st, _ := r.Last(); !errors.Is(st.Err, boom) || st.Trigger != "manual" {
+		t.Errorf("unexpected status %+v", st)
+	}
+}
+
+func TestRunner_BusyWhileRunning(t *testing.T) {
+	started := make(chan struct{})
+	release := make(chan struct{})
+	first := true
+	r := NewRunner(func(context.Context, io.Writer) error {
+		if first { // runs are serialised by Runner, so no extra locking is needed
+			first = false
+			close(started)
+			<-release
+		}
+		return nil
+	})
+	done := make(chan error, 1)
+	go func() { done <- r.Run(context.Background(), "scheduled", io.Discard) }()
+	<-started
+
+	if err := r.Run(context.Background(), "manual", io.Discard); !errors.Is(err, ErrBusy) {
+		t.Errorf("second Run err = %v, want ErrBusy", err)
+	}
+	close(release)
+	if err := <-done; err != nil {
+		t.Fatal(err)
+	}
+	// The skipped run must not overwrite the status of the real one.
+	if st, _ := r.Last(); st.Trigger != "scheduled" {
+		t.Errorf("Last trigger = %q, want scheduled", st.Trigger)
+	}
+	if err := r.Run(context.Background(), "manual", io.Discard); err != nil {
+		t.Errorf("Run after release: %v", err)
+	}
+}

go/internal/web/html_handler.go

@@ -21,17 +21,26 @@ func NewHTMLHandler(r *Renderer, b BuildInfo, ah *api.Handler, actions ActionHan
 	return &HTMLHandler{renderer: r, build: b, apiHandler: ah, actions: actions}
 }
 
+// page builds the data shared by every page (nav highlight, build info, sync summary).
+func (h *HTMLHandler) page(active string) PageData {
+	pd := PageData{Active: active, Build: h.build}
+	if h.actions.SyncInfo != nil {
+		pd.SyncInfo = h.actions.SyncInfo()
+	}
+	return pd
+}
+
 func (h *HTMLHandler) ServeAdults(w http.ResponseWriter, r *http.Request) {
 	data, err := h.apiHandler.AssembleAdults(r.Context())
 	if err != nil {
 		h.renderer.Render(w, "adults", AdultsPageData{
-			PageData: PageData{Active: "adults", Build: h.build},
+			PageData: h.page("adults"),
 			Error:    err.Error(),
 		})
 		return
 	}
 	h.renderer.Render(w, "adults", AdultsPageData{
-		PageData: PageData{Active: "adults", Build: h.build},
+		PageData: h.page("adults"),
 		Data:     data,
 	})
 }
@@ -40,13 +49,13 @@ func (h *HTMLHandler) ServeJuniors(w http.ResponseWriter, r *http.Request) {
 	data, err := h.apiHandler.AssembleJuniors(r.Context())
 	if err != nil {
 		h.renderer.Render(w, "juniors", JuniorsPageData{
-			PageData: PageData{Active: "juniors", Build: h.build},
+			PageData: h.page("juniors"),
 			Error:    err.Error(),
 		})
 		return
 	}
 	h.renderer.Render(w, "juniors", JuniorsPageData{
-		PageData: PageData{Active: "juniors", Build: h.build},
+		PageData: h.page("juniors"),
 		Data:     data,
 	})
 }
@@ -55,20 +64,20 @@ func (h *HTMLHandler) ServePayments(w http.ResponseWriter, r *http.Request) {
 	data, err := h.apiHandler.AssemblePayments(r.Context())
 	if err != nil {
 		h.renderer.Render(w, "payments", PaymentsPageData{
-			PageData: PageData{Active: "payments", Build: h.build},
+			PageData: h.page("payments"),
 			Error:    err.Error(),
 		})
 		return
 	}
 	h.renderer.Render(w, "payments", PaymentsPageData{
-		PageData: PageData{Active: "payments", Build: h.build},
+		PageData: h.page("payments"),
 		Data:     data,
 	})
 }
 
 // ServeSync handles GET /sync-bank: runs sync+infer+flush then renders the result.
 func (h *HTMLHandler) ServeSync(w http.ResponseWriter, r *http.Request) {
-	pd := PageData{Active: "sync", Build: h.build}
+	pd := h.page("sync")
 
 	if h.actions.BankSync == nil {
 		h.renderer.Render(w, "sync", SyncPageData{
@@ -96,7 +105,7 @@ func (h *HTMLHandler) ServeSync(w http.ResponseWriter, r *http.Request) {
 	}
 
 	h.renderer.Render(w, "sync", SyncPageData{
-		PageData: pd,
+		PageData: h.page("sync"), // rebuilt so the footer reflects this run
 		Output:   buf.String(),
 		Success:  success,
 	})
@@ -105,7 +114,7 @@ func (h *HTMLHandler) ServeSync(w http.ResponseWriter, r *http.Request) {
 // ServeFlushCacheGET handles GET /flush-cache: renders the confirmation form.
 func (h *HTMLHandler) ServeFlushCacheGET(w http.ResponseWriter, r *http.Request) {
 	h.renderer.Render(w, "flush_cache", FlushPageData{
-		PageData: PageData{Active: "flush", Build: h.build},
+		PageData: h.page("flush"),
 	})
 }
 
@@ -113,7 +122,7 @@ func (h *HTMLHandler) ServeFlushCacheGET(w http.ResponseWriter, r *http.Request)
 func (h *HTMLHandler) ServeFlushCachePOST(w http.ResponseWriter, r *http.Request) {
 	n, _ := h.apiHandler.FlushCache()
 	h.renderer.Render(w, "flush_cache", FlushPageData{
-		PageData: PageData{Active: "flush", Build: h.build},
+		PageData: h.page("flush"),
 		Flushed:  true,
 		Deleted:  n,
 	})

go/internal/web/html_handler_test.go

@@ -314,6 +314,28 @@ func TestServeSync(t *testing.T) {
 	}
 }
 
+func TestFooterSyncInfo(t *testing.T) {
+	renderer, err := web.NewRenderer()
+	if err != nil {
+		t.Fatalf("NewRenderer: %v", err)
+	}
+	b := web.BuildInfo{Version: "v0", Commit: "abc1234", BuildDate: "2026-01-01"}
+	get := func(actions web.ActionHandlers) string {
+		h := web.NewHTMLHandler(renderer, b, fixtureHandler(t), actions)
+		w := httptest.NewRecorder()
+		h.ServeFlushCacheGET(w, httptest.NewRequest(http.MethodGet, "/flush-cache", nil))
+		return w.Body.String()
+	}
+
+	const info = "last sync 2026-10-08 04:00 (scheduled) ok"
+	if body := get(web.ActionHandlers{SyncInfo: func() string { return info }}); !strings.Contains(body, "| "+info) {
+		t.Errorf("footer missing sync info %q", info)
+	}
+	if body := get(web.ActionHandlers{}); strings.Contains(body, "last sync") {
+		t.Errorf("footer shows sync info although none was provided")
+	}
+}
+
 func TestPaymentQRMarkup(t *testing.T) {
 	renderer, err := web.NewRenderer()
 	if err != nil {

go/internal/web/render.go

@@ -12,6 +12,7 @@ import (
 type PageData struct {
 	Active   string
 	Build    BuildInfo
+	SyncInfo string // last/next bank sync summary shown in the footer; empty hides it
 }
 
 // AdultsPageData is the view model for the /adults HTML page.

go/internal/web/server.go

@@ -26,6 +26,9 @@ type ActionHandlers struct {
 	// BankSync runs sync+infer and writes a human-readable log to out.
 	// nil disables the /sync-bank action (renders an error instead).
 	BankSync func(ctx context.Context, out io.Writer) error
+	// SyncInfo returns a one-line summary of the last and next bank sync for
+	// the page footer. nil or an empty result shows nothing.
+	SyncInfo func() string
 }
 
 // Run registers routes and starts the HTTP server on addr.

go/internal/web/templates/partials/footer.tmpl

@@ -1,3 +1,3 @@
 {{define "footer"}}
-<div class="footer">{{.Build.Version}}@{{.Build.Commit}} | built {{.Build.BuildDate}}</div>
+<div class="footer">{{.Build.Version}}@{{.Build.Commit}} | built {{.Build.BuildDate}}{{if .SyncInfo}} | {{.SyncInfo}}{{end}}</div>
 {{end}}

go/internal/web/templates/sync.tmpl

@@ -9,7 +9,7 @@
   {{end}}
   <pre class="sync-log{{if not .Success}} sync-log--error{{end}}">{{.Output}}</pre>
 {{else}}
-  <p class="description">Fetches Fio transactions for the current year, infers payment details, and flushes the cache.</p>
+  <p class="description">Fetches Fio transactions for the current year and the last two months of the previous one, infers payment details, and flushes the cache.</p>
 {{end}}
 <p><a href="/sync-bank" class="btn">{{if .Output}}Run Again{{else}}Run Sync{{end}}</a></p>
 {{end}}

legacy/app.py

@@ -121,6 +121,8 @@ def flush_cache_endpoint():
     deleted = flush_cache()
     return render_template("flush-cache.html", flushed=True, deleted=deleted)
 
+# Scheduled (daily) bank sync exists only in the Go server, on purpose: this
+# app is legacy and being phased out. Here the sync runs only on request.
 @app.route("/sync-bank")
 def sync_bank():
     import contextlib