diff --git a/packages/backend/app/routes/__init__.py b/packages/backend/app/routes/__init__.py
index f13b0f8..f1fe616 100644
--- a/packages/backend/app/routes/__init__.py
+++ b/packages/backend/app/routes/__init__.py
@@ -7,6 +7,7 @@
 from .categories import bp as categories_bp
 from .docs import bp as docs_bp
 from .dashboard import bp as dashboard_bp
+from .accounts import bp as accounts_bp
 
 
 def register_routes(app: Flask):
@@ -18,3 +19,4 @@ def register_routes(app: Flask):
     app.register_blueprint(categories_bp, url_prefix="/categories")
     app.register_blueprint(docs_bp, url_prefix="/docs")
     app.register_blueprint(dashboard_bp, url_prefix="/dashboard")
+    app.register_blueprint(accounts_bp, url_prefix="/accounts")
diff --git a/packages/backend/app/routes/accounts.py b/packages/backend/app/routes/accounts.py
new file mode 100644
index 0000000..ec67954
--- /dev/null
+++ b/packages/backend/app/routes/accounts.py
@@ -0,0 +1,76 @@
+from flask import Blueprint, jsonify, request
+from flask_jwt_extended import jwt_required, get_jwt_identity
+from ..services.accounts import (
+    create_account, list_accounts, get_account,
+    update_account, delete_account, overview,
+)
+import logging
+
+bp = Blueprint("accounts", __name__)
+logger = logging.getLogger("finmind.accounts")
+
+
+@bp.post("")
+@jwt_required()
+def create():
+    uid = int(get_jwt_identity())
+    data = request.get_json() or {}
+    name = data.get("name", "").strip()
+    acct_type = data.get("account_type", "").strip()
+    if not name or not acct_type:
+        return jsonify({"error": "name and account_type are required"}), 400
+    try:
+        result = create_account(
+            uid, name, acct_type,
+            currency=data.get("currency", "INR"),
+            balance=float(data.get("balance", 0)),
+        )
+        logger.info("Account created id=%s user=%s", result["id"], uid)
+        return jsonify(result), 201
+    except ValueError as e:
+        return jsonify({"error": str(e)}), 400
+
+
+@bp.get("")
+@jwt_required()
+def list_all():
+    uid = int(get_jwt_identity())
+    return jsonify(list_accounts(uid))
+
+
+@bp.get("/overview")
+@jwt_required()
+def get_overview():
+    uid = int(get_jwt_identity())
+    return jsonify(overview(uid))
+
+
+@bp.get("/<int:aid>")
+@jwt_required()
+def detail(aid):
+    uid = int(get_jwt_identity())
+    acct = get_account(uid, aid)
+    if not acct:
+        return jsonify({"error": "Account not found"}), 404
+    return jsonify(acct)
+
+
+@bp.patch("/<int:aid>")
+@jwt_required()
+def update(aid):
+    uid = int(get_jwt_identity())
+    data = request.get_json() or {}
+    try:
+        result = update_account(uid, aid, **data)
+        return jsonify(result)
+    except ValueError as e:
+        return jsonify({"error": str(e)}), 400
+
+
+@bp.delete("/<int:aid>")
+@jwt_required()
+def delete(aid):
+    uid = int(get_jwt_identity())
+    if delete_account(uid, aid):
+        return jsonify({"deleted": True})
+    return jsonify({"error": "Account not found"}), 404
diff --git a/packages/backend/app/services/accounts.py b/packages/backend/app/services/accounts.py
new file mode 100644
index 0000000..26e2274
--- /dev/null
+++ b/packages/backend/app/services/accounts.py
@@ -0,0 +1,103 @@
+"""Multi-account financial overview service.
+
+Allows users to manage multiple financial accounts and view
+an aggregated dashboard across all accounts.
+"""
+
+from datetime import datetime, date
+
+from sqlalchemy import extract, func
+
+from ..extensions import db
+from ..models import Expense
+
+
+class FinancialAccount(db.Model):
+    __tablename__ = "financial_accounts"
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey("users.id"), nullable=False)
+    name = db.Column(db.String(200), nullable=False)
+    account_type = db.Column(db.String(50), nullable=False)  # checking/savings/credit/cash
+    currency = db.Column(db.String(10), default="INR", nullable=False)
+    balance = db.Column(db.Numeric(12, 2), default=0, nullable=False)
+    is_active = db.Column(db.Boolean, default=True, nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.utcnow, nullable=False)
+
+
+VALID_TYPES = {"checking", "savings", "credit", "cash", "investment"}
+
+
+def _acct_to_dict(a: FinancialAccount) -> dict:
+    return {
+        "id": a.id,
+        "name": a.name,
+        "account_type": a.account_type,
+        "currency": a.currency,
+        "balance": float(a.balance),
+        "is_active": a.is_active,
+    }
+
+
+def create_account(user_id: int, name: str, account_type: str,
+                    currency: str = "INR", balance: float = 0) -> dict:
+    if account_type not in VALID_TYPES:
+        raise ValueError(f"Invalid type. Must be one of: {', '.join(VALID_TYPES)}")
+    a = FinancialAccount(
+        user_id=user_id, name=name, account_type=account_type,
+        currency=currency, balance=balance,
+    )
+    db.session.add(a)
+    db.session.commit()
+    return _acct_to_dict(a)
+
+
+def list_accounts(user_id: int) -> list[dict]:
+    accts = FinancialAccount.query.filter_by(user_id=user_id).order_by(
+        FinancialAccount.created_at.desc()
+    ).all()
+    return [_acct_to_dict(a) for a in accts]
+
+
+def get_account(user_id: int, acct_id: int) -> dict | None:
+    a = FinancialAccount.query.filter_by(id=acct_id, user_id=user_id).first()
+    return _acct_to_dict(a) if a else None
+
+
+def update_account(user_id: int, acct_id: int, **kwargs) -> dict:
+    a = FinancialAccount.query.filter_by(id=acct_id, user_id=user_id).first()
+    if not a:
+        raise ValueError("Account not found.")
+    for field in ("name", "account_type", "currency", "balance", "is_active"):
+        if field in kwargs and kwargs[field] is not None:
+            if field == "account_type" and kwargs[field] not in VALID_TYPES:
+                raise ValueError(f"Invalid type. Must be one of: {', '.join(VALID_TYPES)}")
+            setattr(a, field, kwargs[field])
+    db.session.commit()
+    return _acct_to_dict(a)
+
+
+def delete_account(user_id: int, acct_id: int) -> bool:
+    a = FinancialAccount.query.filter_by(id=acct_id, user_id=user_id).first()
+    if not a:
+        return False
+    db.session.delete(a)
+    db.session.commit()
+    return True
+
+
+def overview(user_id: int) -> dict:
+    """Aggregated overview across all active accounts."""
+    accts = FinancialAccount.query.filter_by(user_id=user_id, is_active=True).all()
+    total_balance = sum(float(a.balance) for a in accts)
+    by_type = {}
+    for a in accts:
+        by_type.setdefault(a.account_type, 0)
+        by_type[a.account_type] += float(a.balance)
+    by_type = {k: round(v, 2) for k, v in by_type.items()}
+
+    return {
+        "total_balance": round(total_balance, 2),
+        "account_count": len(accts),
+        "by_type": by_type,
+        "accounts": [_acct_to_dict(a) for a in accts],
+    }
diff --git a/packages/backend/tests/test_accounts.py b/packages/backend/tests/test_accounts.py
new file mode 100644
index 0000000..79612d2
--- /dev/null
+++ b/packages/backend/tests/test_accounts.py
@@ -0,0 +1,92 @@
+def test_create_account(client, auth_header):
+    r = client.post("/accounts", json={
+        "name": "Main Checking", "account_type": "checking", "balance": 5000,
+    }, headers=auth_header)
+    assert r.status_code == 201
+    data = r.get_json()
+    assert data["name"] == "Main Checking"
+    assert data["balance"] == 5000
+
+
+def test_create_invalid_type(client, auth_header):
+    r = client.post("/accounts", json={
+        "name": "Bad", "account_type": "crypto",
+    }, headers=auth_header)
+    assert r.status_code == 400
+
+
+def test_create_missing_fields(client, auth_header):
+    r = client.post("/accounts", json={"name": "No Type"}, headers=auth_header)
+    assert r.status_code == 400
+
+
+def test_list_accounts(client, auth_header):
+    client.post("/accounts", json={
+        "name": "A1", "account_type": "checking",
+    }, headers=auth_header)
+    client.post("/accounts", json={
+        "name": "A2", "account_type": "savings",
+    }, headers=auth_header)
+    r = client.get("/accounts", headers=auth_header)
+    assert r.status_code == 200
+    assert len(r.get_json()) >= 2
+
+
+def test_get_account_detail(client, auth_header):
+    r = client.post("/accounts", json={
+        "name": "Detail", "account_type": "cash", "balance": 100,
+    }, headers=auth_header)
+    aid = r.get_json()["id"]
+    r = client.get(f"/accounts/{aid}", headers=auth_header)
+    assert r.status_code == 200
+    assert r.get_json()["name"] == "Detail"
+
+
+def test_update_account(client, auth_header):
+    r = client.post("/accounts", json={
+        "name": "Old", "account_type": "checking",
+    }, headers=auth_header)
+    aid = r.get_json()["id"]
+    r = client.patch(f"/accounts/{aid}", json={
+        "name": "Updated", "balance": 999,
+    }, headers=auth_header)
+    assert r.status_code == 200
+    assert r.get_json()["name"] == "Updated"
+    assert r.get_json()["balance"] == 999
+
+
+def test_delete_account(client, auth_header):
+    r = client.post("/accounts", json={
+        "name": "Delete Me", "account_type": "cash",
+    }, headers=auth_header)
+    aid = r.get_json()["id"]
+    r = client.delete(f"/accounts/{aid}", headers=auth_header)
+    assert r.status_code == 200
+    r = client.get(f"/accounts/{aid}", headers=auth_header)
+    assert r.status_code == 404
+
+
+def test_overview(client, auth_header):
+    client.post("/accounts", json={
+        "name": "Check", "account_type": "checking", "balance": 3000,
+    }, headers=auth_header)
+    client.post("/accounts", json={
+        "name": "Save", "account_type": "savings", "balance": 2000,
+    }, headers=auth_header)
+    r = client.get("/accounts/overview", headers=auth_header)
+    assert r.status_code == 200
+    data = r.get_json()
+    assert data["total_balance"] == 5000
+    assert data["account_count"] == 2
+    assert "checking" in data["by_type"]
+    assert "savings" in data["by_type"]
+
+
+def test_not_found(client, auth_header):
+    r = client.get("/accounts/99999", headers=auth_header)
+    assert r.status_code == 404
+
+
+def test_requires_auth(client):
+    r = client.get("/accounts")
+    assert r.status_code == 401