diff --git a/web/src/pages/DashboardPage.tsx b/web/src/pages/DashboardPage.tsx
index 18f9765..008d619 100644
--- a/web/src/pages/DashboardPage.tsx
+++ b/web/src/pages/DashboardPage.tsx
@@ -354,33 +354,32 @@ export default function DashboardPage() {
     return dateStringToUTCMidnight(nextDateStr, userTimezone);
   }
 
-  // Detect if any fixed plan is due today; show overlay to confirm due date and pay-now
+  // Detect if any fixed plan is due/overdue and needs user payment confirmation.
+  // Include fully funded overdue plans so missed-day confirmations still surface.
   useEffect(() => {
     let cancelled = false;
     async function checkDueToday() {
       if (!data || !shouldLoadDashboard || hasCheckedDueToday) return;
       try {
         const res = await fixedPlansApi.due({ daysAhead: 0 });
-        const items = (res.items || []).filter((x) => x.isDue && !x.isOverdue);
+        const items = (res.items || [])
+          .filter((x) => x.isDue && (!x.isOverdue || x.remainingCents <= 0))
+          .filter((x) => {
+            const dismissedUntilStr = localStorage.getItem(`overdue-dismissed-${x.id}`);
+            if (!dismissedUntilStr) return true;
+            const dismissedUntil = parseInt(dismissedUntilStr, 10);
+            if (!Number.isFinite(dismissedUntil) || Date.now() >= dismissedUntil) {
+              localStorage.removeItem(`overdue-dismissed-${x.id}`);
+              return true;
+            }
+            return false;
+          });
         if (!cancelled && items.length > 0) {
           setHasCheckedDueToday(true);
           const first = items[0];
-          
-          // Check if user has dismissed this overdue prompt recently
-          const dismissedUntilStr = localStorage.getItem(`overdue-dismissed-${first.id}`);
-          if (dismissedUntilStr) {
-            const dismissedUntil = parseInt(dismissedUntilStr, 10);
-            if (Date.now() < dismissedUntil) {
-              // Still within the "remind me later" window - skip this prompt
-              return;
-            } else {
-              // Expired - remove it
-              localStorage.removeItem(`overdue-dismissed-${first.id}`);
-            }
-          }
-          
+
           await openDueItem(first);
-          
+
           // Store queue for potential future bills
           setDueQueue(items.map((i) => ({
             id: i.id,