diff --git a/client/components/tracker/DriftInsightPanel.tsx b/client/components/tracker/DriftInsightPanel.tsx
index 6ad6943..70a7534 100644
--- a/client/components/tracker/DriftInsightPanel.tsx
+++ b/client/components/tracker/DriftInsightPanel.tsx
@@ -1,5 +1,5 @@
 import { useState } from 'react';
-import { TrendingUp, TrendingDown, ChevronDown } from 'lucide-react';
+import { TrendingUp, TrendingDown, ChevronDown, ChevronUp, EyeOff } from 'lucide-react';
 import { toast } from 'sonner';
 import { api } from '@/api';
 import { cn, fmt } from '@/lib/utils';
@@ -133,8 +133,24 @@ function DriftRow({ row, refresh }: { row: DriftBill; refresh: () => void }) {
   );
 }
 
-export default function DriftInsightPanel({ driftBills, refresh }: { driftBills?: DriftBill[]; refresh: () => void }) {
-  const [isOpen, setIsOpen] = useState(true);
+interface DriftInsightPanelProps {
+  driftBills?: DriftBill[];
+  refresh: () => void;
+  // Controlled + persisted collapse state (falls back to local state when omitted).
+  collapsed?: boolean;
+  onCollapsedChange?: (collapsed: boolean) => void;
+  // Fully hide the panel (writes the tracker_show_* setting on the page).
+  onHide?: () => void;
+}
+
+export default function DriftInsightPanel({ driftBills, refresh, collapsed, onCollapsedChange, onHide }: DriftInsightPanelProps) {
+  const [localOpen, setLocalOpen] = useState(true);
+  const isControlled = collapsed !== undefined;
+  const isOpen = isControlled ? !collapsed : localOpen;
+  const setOpen = (open: boolean) => {
+    if (isControlled) onCollapsedChange?.(!open);
+    else setLocalOpen(open);
+  };
 
   if (!driftBills?.length) return null;
 
@@ -143,14 +159,20 @@ export default function DriftInsightPanel({ driftBills, refresh }: { driftBills?
   const netColor = totalNetDelta >= 0 ? 'text-amber-500 dark:text-amber-400' : 'text-teal-500 dark:text-teal-400';
   const hasIncrease = driftBills.some(b => b.direction === 'up');
 
+  const ToggleIcon = isOpen ? ChevronDown : ChevronUp;
+
   return (
-    <Collapsible open={isOpen} onOpenChange={setIsOpen}>
+    <Collapsible open={isOpen} onOpenChange={setOpen}>
       <div className="rounded-xl border border-amber-400/30 bg-amber-500/[0.06] shadow-sm overflow-hidden dark:bg-amber-400/[0.05]">
 
         {/* Header */}
-        <CollapsibleTrigger asChild>
-          <button className="flex w-full items-center justify-between px-4 py-3 transition-colors hover:bg-amber-500/[0.04] focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-amber-400/40 focus-visible:ring-inset">
-            <div className="flex items-center gap-2.5">
+        <div className="flex items-center gap-2 px-4 py-3">
+          <CollapsibleTrigger asChild>
+            <button
+              type="button"
+              aria-expanded={isOpen}
+              className="group flex min-w-0 flex-1 items-center gap-2.5 rounded-md text-left transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-amber-400/40"
+            >
               {hasIncrease
                 ? <TrendingUp className="h-4 w-4 shrink-0 text-amber-400" />
                 : <TrendingDown className="h-4 w-4 shrink-0 text-teal-400" />
@@ -163,15 +185,23 @@ export default function DriftInsightPanel({ driftBills, refresh }: { driftBills?
               <span className={cn('font-mono text-sm', netColor)}>
                 {sign}{fmt(asDollars(Math.abs(totalNetDelta)))}/mo net
               </span>
-            </div>
-            <ChevronDown
-              className={cn(
-                'h-4 w-4 text-muted-foreground transition-transform duration-200',
-                isOpen && 'rotate-180'
-              )}
-            />
-          </button>
-        </CollapsibleTrigger>
+              <ToggleIcon className="ml-auto h-4 w-4 shrink-0 text-muted-foreground transition-colors group-hover:text-foreground" />
+            </button>
+          </CollapsibleTrigger>
+          {onHide && (
+            <Button
+              type="button"
+              size="sm"
+              variant="ghost"
+              onClick={onHide}
+              className="h-8 shrink-0 gap-1.5 px-2.5 text-xs text-muted-foreground hover:text-foreground"
+              aria-label="Hide price-change insights"
+            >
+              <EyeOff className="h-3.5 w-3.5" />
+              <span className="hidden sm:inline">Hide</span>
+            </Button>
+          )}
+        </div>
 
         {/* Bill rows */}
         <CollapsibleContent>
diff --git a/client/components/tracker/OverdueCommandCenter.tsx b/client/components/tracker/OverdueCommandCenter.tsx
index 01ccb48..2b27395 100644
--- a/client/components/tracker/OverdueCommandCenter.tsx
+++ b/client/components/tracker/OverdueCommandCenter.tsx
@@ -1,5 +1,5 @@
 import { useState } from 'react';
-import { AlertCircle, ChevronDown, BellOff, SkipForward, CreditCard } from 'lucide-react';
+import { AlertCircle, ChevronDown, ChevronUp, BellOff, SkipForward, CreditCard, EyeOff } from 'lucide-react';
 import { toast } from 'sonner';
 import { api } from '@/api';
 import { cn, fmt, localDateString } from '@/lib/utils';
@@ -157,11 +157,22 @@ interface OverdueCommandCenterProps {
   month: number;
   refresh: () => void;
   onPayNow: (row: TrackerRow) => void;
+  // Controlled + persisted collapse state (falls back to local state when omitted).
+  collapsed?: boolean;
+  onCollapsedChange?: (collapsed: boolean) => void;
+  // Fully hide the panel (writes the tracker_show_* setting on the page).
+  onHide?: () => void;
 }
 
-export default function OverdueCommandCenter({ rows, year, month, refresh, onPayNow }: OverdueCommandCenterProps) {
+export default function OverdueCommandCenter({ rows, year, month, refresh, onPayNow, collapsed, onCollapsedChange, onHide }: OverdueCommandCenterProps) {
   const todayStr = localDateString();
-  const [isOpen, setIsOpen] = useState(true);
+  const [localOpen, setLocalOpen] = useState(true);
+  const isControlled = collapsed !== undefined;
+  const isOpen = isControlled ? !collapsed : localOpen;
+  const setOpen = (open: boolean) => {
+    if (isControlled) onCollapsedChange?.(!open);
+    else setLocalOpen(open);
+  };
 
   const overdueRows = rows.filter(r =>
     (r.status === 'late' || r.status === 'missed') &&
@@ -183,14 +194,20 @@ export default function OverdueCommandCenter({ rows, year, month, refresh, onPay
     return sum + Math.max(0, threshold - paid);
   }, 0);
 
+  const ToggleIcon = isOpen ? ChevronDown : ChevronUp;
+
   return (
-    <Collapsible open={isOpen} onOpenChange={setIsOpen}>
+    <Collapsible open={isOpen} onOpenChange={setOpen}>
       <div className="surface-premium overflow-hidden border-rose-500/30 bg-rose-500/[0.055] dark:border-rose-300/25 dark:bg-rose-400/[0.05]">
 
         {/* Header */}
-        <CollapsibleTrigger asChild>
-          <button className="flex w-full items-center justify-between px-4 py-3 transition-colors hover:bg-rose-500/[0.04] focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-rose-400/40 focus-visible:ring-inset">
-            <div className="flex items-center gap-2.5">
+        <div className="flex items-center gap-2 px-4 py-3">
+          <CollapsibleTrigger asChild>
+            <button
+              type="button"
+              aria-expanded={isOpen}
+              className="group flex min-w-0 flex-1 items-center gap-2.5 rounded-md text-left transition-colors focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-rose-400/40"
+            >
               <AlertCircle className="h-4 w-4 shrink-0 text-rose-600 dark:text-rose-300" />
               <span className="text-sm font-semibold text-foreground">
                 {`${overdueRows.length} overdue ${overdueRows.length === 1 ? 'bill' : 'bills'}`}
@@ -198,22 +215,28 @@ export default function OverdueCommandCenter({ rows, year, month, refresh, onPay
               <span className="font-mono text-sm font-semibold text-rose-600 dark:text-rose-300">
                 {fmt(asDollars(totalOverdue))}
               </span>
-            </div>
-            <div className="flex items-center gap-3">
               {snoozedRows.length > 0 && (
                 <span className="text-xs text-muted-foreground">
                   ({snoozedRows.length} snoozed)
                 </span>
               )}
-              <ChevronDown
-                className={cn(
-                  'h-4 w-4 text-muted-foreground transition-transform duration-200',
-                  isOpen && 'rotate-180'
-                )}
-              />
-            </div>
-          </button>
-        </CollapsibleTrigger>
+              <ToggleIcon className="ml-auto h-4 w-4 shrink-0 text-muted-foreground transition-colors group-hover:text-foreground" />
+            </button>
+          </CollapsibleTrigger>
+          {onHide && (
+            <Button
+              type="button"
+              size="sm"
+              variant="ghost"
+              onClick={onHide}
+              className="h-8 shrink-0 gap-1.5 px-2.5 text-xs text-muted-foreground hover:text-foreground"
+              aria-label="Hide overdue panel"
+            >
+              <EyeOff className="h-3.5 w-3.5" />
+              <span className="hidden sm:inline">Hide</span>
+            </Button>
+          )}
+        </div>
 
         {/* Bill rows */}
         <CollapsibleContent>
diff --git a/client/pages/TrackerPage.tsx b/client/pages/TrackerPage.tsx
index d314a95..fcf809a 100644
--- a/client/pages/TrackerPage.tsx
+++ b/client/pages/TrackerPage.tsx
@@ -260,6 +260,8 @@ const TRACKER_SETTING_DEFAULTS: Record<string, string> = {
   tracker_show_safe_to_spend: 'true',
   tracker_show_overdue_command_center: 'true',
   tracker_show_drift_insights: 'true',
+  tracker_overdue_collapsed: 'false',
+  tracker_drift_collapsed: 'false',
   tracker_table_columns: '["due","expected","previous","paid","paid_date","status","action","notes"]',
 };
 
@@ -589,6 +591,9 @@ export default function TrackerPage() {
   const showOverdueCommandCenter = settingEnabled(trackerSettings.tracker_show_overdue_command_center);
   const showSafeToSpend = settingEnabled(trackerSettings.tracker_show_safe_to_spend);
   const showDriftInsights = settingEnabled(trackerSettings.tracker_show_drift_insights);
+  // Collapse state for the Overdue / Drift panels is remembered per-user (default expanded).
+  const overdueCollapsed = settingEnabled(trackerSettings.tracker_overdue_collapsed, false);
+  const driftCollapsed = settingEnabled(trackerSettings.tracker_drift_collapsed, false);
   const showBankProjectionBanner = settingEnabled(trackerSettings.tracker_show_bank_projection_banner) &&
     (!bannerSnoozedUntil || bannerSnoozedUntil <= today);
   const visibleTableColumns = useMemo(
@@ -637,6 +642,20 @@ export default function TrackerPage() {
     });
   }
 
+  function hideOverduePanel() {
+    saveTrackerSettings({ tracker_show_overdue_command_center: 'false' });
+    toast('Overdue panel hidden.', {
+      action: { label: 'Undo', onClick: () => saveTrackerSettings({ tracker_show_overdue_command_center: 'true' }) },
+    });
+  }
+
+  function hideDriftPanel() {
+    saveTrackerSettings({ tracker_show_drift_insights: 'false' });
+    toast('Price-change insights hidden.', {
+      action: { label: 'Undo', onClick: () => saveTrackerSettings({ tracker_show_drift_insights: 'true' }) },
+    });
+  }
+
   const toggleFilter = (key: BoolFilterKey) => {
     const paramMap: Record<BoolFilterKey, string> = { autopay: 'ap', firstBucket: 'b1', fifteenthBucket: 'b2', unpaid: 'un', overdue: 'ov', debt: 'de' };
     updateParams({ [paramMap[key]]: !filters[key] });
@@ -1166,6 +1185,9 @@ export default function TrackerPage() {
           month={month}
           refresh={invalidateData}
           onPayNow={(row) => setCommandCenterPayRow(row)}
+          collapsed={overdueCollapsed}
+          onCollapsedChange={(c) => saveTrackerSettings({ tracker_overdue_collapsed: c ? 'true' : 'false' })}
+          onHide={hideOverduePanel}
         />
       )}
 
@@ -1184,6 +1206,9 @@ export default function TrackerPage() {
         <DriftInsightPanel
           driftBills={driftData?.bills || []}
           refresh={invalidateData}
+          collapsed={driftCollapsed}
+          onCollapsedChange={(c) => saveTrackerSettings({ tracker_drift_collapsed: c ? 'true' : 'false' })}
+          onHide={hideDriftPanel}
         />
       )}
 
diff --git a/services/userSettings.js b/services/userSettings.js
index 8e7a93d..39adee7 100644
--- a/services/userSettings.js
+++ b/services/userSettings.js
@@ -23,6 +23,8 @@ const USER_SETTING_KEYS = [
   'tracker_show_safe_to_spend',
   'tracker_show_overdue_command_center',
   'tracker_show_drift_insights',
+  'tracker_overdue_collapsed',
+  'tracker_drift_collapsed',
   'tracker_table_columns',
   'bank_auto_categorize_merchants',
   'spending_show_ready_to_assign',
@@ -44,6 +46,8 @@ const USER_SETTING_DEFAULTS = {
   tracker_show_safe_to_spend: 'true',
   tracker_show_overdue_command_center: 'true',
   tracker_show_drift_insights: 'true',
+  tracker_overdue_collapsed: 'false',
+  tracker_drift_collapsed: 'false',
   tracker_table_columns: '["due","expected","previous","paid","paid_date","status","action","notes"]',
   spending_show_ready_to_assign: 'true',
   spending_show_avg: 'true',