diff --git a/api/src/server.ts b/api/src/server.ts
index 9ca3321..c059feb 100644
--- a/api/src/server.ts
+++ b/api/src/server.ts
@@ -3355,6 +3355,7 @@ const ManualRebalanceBody = z.object({
     })
   ),
   forceLowerSavings: z.boolean().optional(),
+  confirmOver80: z.boolean().optional(),
 });
 
 async function assertPercentTotal(
@@ -3606,8 +3607,13 @@ app.post("/variable-categories/manual-rebalance", async (req, reply) => {
       .send({ ok: false, code: "SUM_MISMATCH", message: `Targets must sum to available (${availableCents}).` });
   }
   const maxAllowed = Math.floor(availableCents * 0.8);
-  if (availableCents > 0 && targets.some((t) => t.target > maxAllowed)) {
-    return reply.code(400).send({ ok: false, code: "OVER_80_PERCENT", message: "No category can exceed 80% of available." });
+  const over80 = availableCents > 0 && targets.some((t) => t.target > maxAllowed);
+  if (over80 && !parsed.data.confirmOver80) {
+    return reply.code(400).send({
+      ok: false,
+      code: "OVER_80_CONFIRM_REQUIRED",
+      message: "A category exceeds 80% of available. Confirm to proceed.",
+    });
   }
   const totalSavingsBefore = targets.filter((t) => t.isSavings).reduce((s, t) => s + t.currentBalance, 0);
   const totalSavingsAfter = targets.filter((t) => t.isSavings).reduce((s, t) => s + t.target, 0);
diff --git a/web/src/api/rebalance.ts b/web/src/api/rebalance.ts
index 62048cd..3e8d25d 100644
--- a/web/src/api/rebalance.ts
+++ b/web/src/api/rebalance.ts
@@ -17,6 +17,7 @@ export type RebalanceInfo = {
 export type ManualRebalanceBody = {
   targets: Array<{ id: string; targetCents: number }>;
   forceLowerSavings?: boolean;
+  confirmOver80?: boolean;
 };
 
 export const rebalanceApi = {
diff --git a/web/src/pages/settings/RebalancePage.tsx b/web/src/pages/settings/RebalancePage.tsx
index 131aa1e..05bf1ab 100644
--- a/web/src/pages/settings/RebalancePage.tsx
+++ b/web/src/pages/settings/RebalancePage.tsx
@@ -8,6 +8,38 @@ function sum(values: number[]) {
   return values.reduce((s, v) => s + (Number.isFinite(v) ? v : 0), 0);
 }
 
+function normalizeTargetsToAvailable(
+  rows: Array<RebalanceCategory & { targetCents: number }>,
+  available: number
+) {
+  const next = rows.map((r) => ({ ...r, targetCents: Math.max(0, Math.floor(r.targetCents || 0)) }));
+  const total = sum(next.map((r) => r.targetCents));
+  const diff = available - total;
+  if (diff === 0) return next;
+
+  if (diff > 0) {
+    const idx = next
+      .map((r, i) => ({ i, p: r.percent, t: r.targetCents }))
+      .sort((a, b) => b.p - a.p || b.t - a.t)[0]?.i;
+    if (idx === undefined) return null;
+    next[idx].targetCents += diff;
+    return next;
+  }
+
+  let needed = -diff;
+  const order = next
+    .map((r, i) => ({ i, t: r.targetCents }))
+    .sort((a, b) => b.t - a.t);
+  for (const o of order) {
+    if (needed <= 0) break;
+    const take = Math.min(next[o.i].targetCents, needed);
+    next[o.i].targetCents -= take;
+    needed -= take;
+  }
+  if (needed > 0) return null;
+  return next;
+}
+
 export default function RebalancePage() {
   const { push } = useToast();
   const qc = useQueryClient();
@@ -17,9 +49,9 @@ export default function RebalancePage() {
   });
 
   const [rows, setRows] = useState<Array<RebalanceCategory & { targetCents: number }>>([]);
-  const [forceSavings, setForceSavings] = useState(false);
   const [adjustId, setAdjustId] = useState<string>("");
   const [adjustValue, setAdjustValue] = useState<string>("");
+  const [confirmOpen, setConfirmOpen] = useState(false);
 
   useEffect(() => {
     if (data?.categories) {
@@ -42,16 +74,19 @@ export default function RebalancePage() {
   const savingsFloor = Math.floor(available * 0.2);
   const maxSingle = Math.floor(available * 0.8);
 
+  const hasNegative = rows.some((r) => r.targetCents < 0);
+  const over80Crossed = available > 0 && rows.some((r) => r.targetCents > maxSingle);
+  const sumMismatch = total !== available;
+  const savingsCrossed = savingsTotal < savingsBefore || savingsTotal < savingsFloor;
+
   const errors: string[] = [];
   const warnings: string[] = [];
-  if (rows.some((r) => r.targetCents < 0)) errors.push("No category can be negative.");
-  if (available > 0 && rows.some((r) => r.targetCents > maxSingle))
-    warnings.push("A category exceeds 80% of available.");
-  if (total !== available) warnings.push(`Totals differ from available ($${(available / 100).toFixed(2)}).`);
-  if ((savingsTotal < savingsBefore || savingsTotal < savingsFloor) && !forceSavings)
-    errors.push("Confirm lowering savings / below 20% floor.");
+  if (hasNegative) errors.push("No category can be negative.");
+  if (over80Crossed) warnings.push("A category exceeds 80% of available.");
+  if (sumMismatch) warnings.push(`Totals differ from available ($${(available / 100).toFixed(2)}).`);
+  if (savingsCrossed) warnings.push("Savings decreased and/or fell below the 20% floor.");
 
-  const canSubmit = errors.length === 0;
+  const canSubmit = !hasNegative;
 
   const applyAdjustOne = () => {
     if (!adjustId) return;
@@ -101,22 +136,62 @@ export default function RebalancePage() {
     setRows(next);
   };
 
+  const submitRebalance = async (
+    sourceRows: Array<RebalanceCategory & { targetCents: number }>,
+    opts?: { forceLowerSavings?: boolean; confirmOver80?: boolean }
+  ) => {
+    const payload = {
+      targets: sourceRows.map((r) => ({ id: r.id, targetCents: r.targetCents })),
+      forceLowerSavings: opts?.forceLowerSavings,
+      confirmOver80: opts?.confirmOver80,
+    };
+    await rebalanceApi.submit(payload);
+    push("ok", "Rebalance applied");
+    setAdjustValue("");
+    await qc.invalidateQueries({ queryKey: ["rebalance", "info"] });
+    const refreshed = await refetch();
+    if (refreshed.data?.categories) {
+      setRows(refreshed.data.categories.map((c) => ({ ...c, targetCents: c.balanceCents })));
+      setAdjustId(refreshed.data.categories[0]?.id ?? "");
+    }
+  };
+
   const submit = async () => {
-    if (!canSubmit) {
-      push("err", errors[0] ?? "Fix validation errors first");
+    if (hasNegative) {
+      push("err", "No category can be negative.");
       return;
     }
-    const payload = {
-      targets: rows.map((r) => ({ id: r.id, targetCents: r.targetCents })),
-      forceLowerSavings: forceSavings,
-    };
+
+    if (over80Crossed || savingsCrossed || sumMismatch) {
+      setConfirmOpen(true);
+      return;
+    }
+
     try {
-      await rebalanceApi.submit(payload);
-      push("ok", "Rebalance applied");
-      setForceSavings(false);
-      setAdjustValue("");
-      await qc.invalidateQueries({ queryKey: ["rebalance", "info"] });
-      await refetch();
+      await submitRebalance(rows);
+    } catch (err: any) {
+      const msg = err?.body?.message || err?.message || "Rebalance failed";
+      push("err", msg);
+    }
+  };
+
+  const confirmAndApply = async () => {
+    try {
+      let targetRows = rows;
+      if (sumMismatch) {
+        const normalized = normalizeTargetsToAvailable(rows, available);
+        if (!normalized) {
+          push("err", "Could not auto-balance totals to available.");
+          return;
+        }
+        targetRows = normalized;
+        setRows(normalized);
+      }
+      await submitRebalance(targetRows, {
+        forceLowerSavings: savingsCrossed,
+        confirmOver80: over80Crossed,
+      });
+      setConfirmOpen(false);
     } catch (err: any) {
       const msg = err?.body?.message || err?.message || "Rebalance failed";
       push("err", msg);
@@ -134,7 +209,7 @@ export default function RebalancePage() {
         </p>
       </header>
 
-      <div className="card glass p-5 flex flex-wrap gap-6 items-center justify-between">
+      <div className="card glass p-5 grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-6 items-center">
         <div className="space-y-1">
           <div className="text-xs uppercase tracking-wide muted">Available</div>
           <div className="text-2xl font-mono font-semibold">${(available / 100).toFixed(2)}</div>
@@ -149,14 +224,6 @@ export default function RebalancePage() {
           <div className="text-xs uppercase tracking-wide muted">Savings total</div>
           <div className="text-sm font-mono">${(savingsTotal / 100).toFixed(2)}</div>
         </div>
-        <label className="flex items-center gap-2 text-sm">
-          <input
-            type="checkbox"
-            checked={forceSavings}
-            onChange={(e) => setForceSavings(e.target.checked)}
-          />
-          <span>Confirm lowering savings / below 20% floor</span>
-        </label>
       </div>
 
       <div className="card p-5 space-y-4">
@@ -253,7 +320,7 @@ export default function RebalancePage() {
           className="btn ghost"
           type="button"
           onClick={async () => {
-            setForceSavings(false);
+            setConfirmOpen(false);
             setAdjustValue("");
             const refreshed = await refetch();
             if (refreshed.data?.categories) {
@@ -265,6 +332,32 @@ export default function RebalancePage() {
           Reset
         </button>
       </div>
+
+      {confirmOpen && (
+        <div className="fixed inset-0 bg-black/50 flex items-center justify-center z-50">
+          <div className="card p-6 max-w-lg w-[92vw] space-y-4">
+            <h3 className="text-lg font-semibold">Confirm safeguard overrides</h3>
+            <p className="text-sm muted">
+              You crossed one or more safeguards. Confirm to apply these changes.
+            </p>
+            <div className="text-sm space-y-1">
+              {over80Crossed && <div>- A category exceeds 80% of available.</div>}
+              {savingsCrossed && <div>- Savings decreased and/or is below 20% floor.</div>}
+              {sumMismatch && (
+                <div>- Totals do not match available; remaining difference will be auto-balanced.</div>
+              )}
+            </div>
+            <div className="flex gap-3 justify-end">
+              <button className="btn" onClick={() => setConfirmOpen(false)}>
+                Cancel
+              </button>
+              <button className="btn primary" onClick={confirmAndApply}>
+                Confirm and apply
+              </button>
+            </div>
+          </div>
+        </div>
+      )}
     </div>
   );
 }