diff --git a/src/data/mockStore.jsx b/src/data/mockStore.jsx
index 0382e58..f10e536 100644
--- a/src/data/mockStore.jsx
+++ b/src/data/mockStore.jsx
@@ -2011,6 +2011,8 @@ const MOCK_PROJECTS = [
         spent: 22500,
         variancePercent: -50.0,
         margin: 0.40,
+        commission: 4500,
+        additionalExpenses: 1200,
         startDate: '2026-01-20',
         endDate: '2026-03-05',
         completionPercentage: 55,
@@ -2084,6 +2086,8 @@ const MOCK_PROJECTS = [
         spent: 8500,
         variancePercent: 0,
         margin: 0.35,
+        commission: 850,
+        additionalExpenses: 350,
         startDate: '2025-11-15',
         endDate: '2025-12-10',
         completionPercentage: 100,
@@ -2130,6 +2134,8 @@ const MOCK_PROJECTS = [
         spent: 18400,
         variancePercent: -42.5,
         margin: 0.30,
+        commission: 3200,
+        additionalExpenses: 900,
         startDate: '2026-01-06',
         endDate: '2026-02-28',
         completionPercentage: 42,
@@ -2202,6 +2208,8 @@ const MOCK_PROJECTS = [
         spent: 62300,
         variancePercent: 13.3,
         margin: -0.13,
+        commission: 5500,
+        additionalExpenses: 3800,
         startDate: '2025-12-01',
         endDate: '2026-02-28',
         completionPercentage: 78,
@@ -2285,6 +2293,8 @@ const MOCK_PROJECTS = [
         spent: 14200,
         variancePercent: -49.3,
         margin: 0.25,
+        commission: 2800,
+        additionalExpenses: 600,
         startDate: '2026-01-06',
         endDate: '2026-02-20',
         completionPercentage: 38,
@@ -2355,6 +2365,8 @@ const MOCK_PROJECTS = [
         spent: 5600,
         variancePercent: -69.7,
         margin: 0.38,
+        commission: 1850,
+        additionalExpenses: 450,
         startDate: '2026-02-03',
         endDate: '2026-03-15',
         completionPercentage: 22,
@@ -2404,6 +2416,8 @@ const MOCK_PROJECTS = [
         spent: 48000,
         variancePercent: -61.6,
         margin: 0.35,
+        commission: 12500,
+        additionalExpenses: 2800,
         startDate: '2026-01-27',
         endDate: '2026-04-15',
         completionPercentage: 32,
@@ -2495,6 +2509,8 @@ const MOCK_PROJECTS = [
         spent: 91500,
         variancePercent: 22.0,
         margin: -0.22,
+        commission: 7500,
+        additionalExpenses: 4200,
         startDate: '2025-11-18',
         endDate: '2026-02-28',
         completionPercentage: 88,
@@ -2542,6 +2558,8 @@ const MOCK_PROJECTS = [
         budget: 42000,
         spent: 25800,
         margin: 0.28,
+        commission: 4200,
+        additionalExpenses: 1100,
         startDate: '2026-01-13',
         endDate: '2026-03-10',
         completionPercentage: 50,
@@ -2587,6 +2605,8 @@ const MOCK_PROJECTS = [
         budget: 35000,
         spent: 35000,
         margin: 0.30,
+        commission: 3500,
+        additionalExpenses: 800,
         startDate: '2025-09-15',
         endDate: '2025-10-28',
         completionPercentage: 100,
@@ -2632,6 +2652,8 @@ const MOCK_PROJECTS = [
         budget: 95000,
         spent: 68400,
         margin: 0.20,
+        commission: 9500,
+        additionalExpenses: 5200,
         startDate: '2025-12-08',
         endDate: '2026-03-20',
         completionPercentage: 62,
@@ -2685,6 +2707,8 @@ const MOCK_PROJECTS = [
         budget: 58000,
         spent: 22600,
         margin: 0.32,
+        commission: 5800,
+        additionalExpenses: 1500,
         startDate: '2026-01-13',
         endDate: '2026-04-01',
         completionPercentage: 28,
diff --git a/src/pages/owner/OwnerProjectDetail.jsx b/src/pages/owner/OwnerProjectDetail.jsx
index 1a61d7d..2f52522 100644
--- a/src/pages/owner/OwnerProjectDetail.jsx
+++ b/src/pages/owner/OwnerProjectDetail.jsx
@@ -12,7 +12,7 @@ import {
     ArrowLeft, CheckCircle, Clock, AlertTriangle, PauseCircle, ShieldAlert,
     FileText, DollarSign, GitPullRequest, AlertCircle, Activity, Milestone,
     Shield, ChevronRight, Phone, MessageSquare, Mail, AlertOctagon, TrendingUp, Key, Zap, Camera, Plus, Map, User, Crosshair, Image as ImageIcon, MapPin,
-    Upload, Trash2, Eye, Pencil, X as XIcon, FolderOpen, Download, File, StickyNote, Banknote, ChevronLeft, ChevronDown as ChevronDownIcon
+    Upload, Trash2, Eye, Pencil, X as XIcon, FolderOpen, Download, File, StickyNote, Banknote, ChevronLeft, ChevronDown as ChevronDownIcon, Info
 } from 'lucide-react';
 import ChangeOrderDrawer from '../../components/owner/ChangeOrderDrawer';
 import InvoiceDetailModal from '../../components/owner/InvoiceDetailModal';
@@ -220,6 +220,18 @@ const OwnerProjectDetail = () => {
         projects.find(p => p.id === projectId && p.ownerId === user?.id)
         , [projects, projectId, user]);
 
+    const profitMetrics = useMemo(() => {
+        if (!project) return { totalCosts: 0, commission: 0, additionalExp: 0, grossProfit: 0, netProfit: 0, grossMargin: 0, netMargin: 0 };
+        const totalCosts = Number(project.actualCost ?? project.spent) || 0;
+        const commission = Number(project.commission) || 0;
+        const additionalExp = Number(project.additionalExpenses) || 0;
+        const gross = totalReceived - totalCosts;
+        const net = gross - commission - additionalExp;
+        const grossMargin = totalReceived > 0 ? (gross / totalReceived) * 100 : 0;
+        const netMargin = totalReceived > 0 ? (net / totalReceived) * 100 : 0;
+        return { totalCosts, commission, additionalExp, grossProfit: gross, netProfit: net, grossMargin, netMargin };
+    }, [project, totalReceived]);
+
     if (!project) {
         return (
             <div className="min-h-full bg-zinc-50 dark:bg-[#09090b] flex items-center justify-center text-zinc-500">
@@ -905,22 +917,99 @@ const OwnerProjectDetail = () => {
                     {/* PAYMENTS TAB */}
                     {activeTab === 'payments' && (
                         <div className="space-y-6 max-w-7xl mx-auto">
-                            {/* Summary Row */}
-                            <div className="grid grid-cols-1 sm:grid-cols-3 gap-4">
+                            {/* Financial Summary Row */}
+                            <div className="grid grid-cols-2 sm:grid-cols-4 gap-4">
                                 <SpotlightCard className="p-4">
                                     <div className={`text-xl font-extrabold ${NEON_GREEN}`}>{formatCurrency(totalReceived)}</div>
                                     <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Total Received</div>
                                 </SpotlightCard>
                                 <SpotlightCard className="p-4">
-                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white">{payments.length}</div>
-                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Payments</div>
+                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white">{formatCurrency(profitMetrics.totalCosts)}</div>
+                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Total Costs</div>
                                 </SpotlightCard>
                                 <SpotlightCard className="p-4">
-                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white font-mono">
-                                        {payments.length > 0 ? [...payments].sort((a, b) => b.date.localeCompare(a.date))[0].date : '—'}
-                                    </div>
-                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Latest Payment</div>
+                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white">{formatCurrency(profitMetrics.commission)}</div>
+                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Commission</div>
                                 </SpotlightCard>
+                                <SpotlightCard className="p-4">
+                                    <div className="text-xl font-extrabold text-zinc-900 dark:text-white">{formatCurrency(profitMetrics.additionalExp)}</div>
+                                    <div className="text-[10px] uppercase font-bold tracking-wider text-zinc-500 mt-1">Addl. Expenses</div>
+                                </SpotlightCard>
+                            </div>
+
+                            {/* Profit Summary Cards */}
+                            <div className="grid grid-cols-1 sm:grid-cols-2 gap-4">
+                                {/* Gross Profit */}
+                                <NeoCard
+                                    spotlightColor={profitMetrics.grossProfit >= 0 ? "rgba(57, 255, 20, 0.12)" : "rgba(255, 0, 60, 0.12)"}
+                                    innerClassName="!p-5"
+                                >
+                                    <div className="flex items-start justify-between mb-3">
+                                        <div className="flex items-center gap-2">
+                                            <TrendingUp size={18} className={profitMetrics.grossProfit >= 0 ? NEON_GREEN : NEON_RED} />
+                                            <h4 className="text-xs font-mono font-bold text-zinc-500 dark:text-zinc-400 uppercase tracking-widest">Gross Profit</h4>
+                                        </div>
+                                        <div className="relative group">
+                                            <Info size={14} className="text-zinc-400 dark:text-zinc-500 cursor-help" />
+                                            <div className="absolute right-0 top-6 z-30 w-64 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300 opacity-0 invisible group-hover:opacity-100 group-hover:visible transition-all pointer-events-none">
+                                                <p className="font-bold text-zinc-900 dark:text-white mb-1">Gross Profit Formula</p>
+                                                <p className="font-mono text-[11px]">Total Received − Total Actual Costs</p>
+                                                <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5 space-y-1">
+                                                    <p>{formatCurrency(totalReceived)} − {formatCurrency(profitMetrics.totalCosts)}</p>
+                                                    <p className="font-bold">= {formatCurrency(profitMetrics.grossProfit)}</p>
+                                                </div>
+                                            </div>
+                                        </div>
+                                    </div>
+                                    <div className={`text-3xl sm:text-4xl font-black font-mono tracking-tight ${profitMetrics.grossProfit >= 0 ? NEON_GREEN : NEON_RED}`}>
+                                        {profitMetrics.grossProfit >= 0 ? '+' : ''}{formatCurrency(profitMetrics.grossProfit)}
+                                    </div>
+                                    <div className="flex items-center gap-2 mt-2">
+                                        <span className={`text-xs font-bold px-2 py-0.5 rounded-full ${
+                                            profitMetrics.grossMargin >= 0
+                                                ? 'text-green-600 dark:text-[#39ff14] bg-green-50 dark:bg-[#39ff14]/10 border border-green-200 dark:border-[#39ff14]/20'
+                                                : 'text-red-600 dark:text-[#ff003c] bg-red-50 dark:bg-[#ff003c]/10 border border-red-200 dark:border-[#ff003c]/20'
+                                        }`}>
+                                            {profitMetrics.grossMargin >= 0 ? '+' : ''}{profitMetrics.grossMargin.toFixed(1)}% margin
+                                        </span>
+                                    </div>
+                                </NeoCard>
+
+                                {/* Net Profit */}
+                                <NeoCard
+                                    spotlightColor={profitMetrics.netProfit >= 0 ? "rgba(57, 255, 20, 0.12)" : "rgba(255, 0, 60, 0.12)"}
+                                    innerClassName="!p-5"
+                                >
+                                    <div className="flex items-start justify-between mb-3">
+                                        <div className="flex items-center gap-2">
+                                            <DollarSign size={18} className={profitMetrics.netProfit >= 0 ? NEON_GREEN : NEON_RED} />
+                                            <h4 className="text-xs font-mono font-bold text-zinc-500 dark:text-zinc-400 uppercase tracking-widest">Net Profit</h4>
+                                        </div>
+                                        <div className="relative group">
+                                            <Info size={14} className="text-zinc-400 dark:text-zinc-500 cursor-help" />
+                                            <div className="absolute right-0 top-6 z-50 w-64 p-3 rounded-xl bg-white dark:bg-zinc-800 border border-zinc-200 dark:border-white/10 shadow-xl text-xs text-zinc-600 dark:text-zinc-300 opacity-0 invisible group-hover:opacity-100 group-hover:visible transition-all pointer-events-none">
+                                                <p className="font-bold text-zinc-900 dark:text-white mb-1">Net Profit Formula</p>
+                                                <p className="font-mono text-[11px]">Gross Profit − Commission − Addl. Expenses</p>
+                                                <div className="mt-2 pt-2 border-t border-zinc-100 dark:border-white/5 space-y-1">
+                                                    <p>{formatCurrency(profitMetrics.grossProfit)} − {formatCurrency(profitMetrics.commission)} − {formatCurrency(profitMetrics.additionalExp)}</p>
+                                                    <p className="font-bold">= {formatCurrency(profitMetrics.netProfit)}</p>
+                                                </div>
+                                            </div>
+                                        </div>
+                                    </div>
+                                    <div className={`text-3xl sm:text-4xl font-black font-mono tracking-tight ${profitMetrics.netProfit >= 0 ? NEON_GREEN : NEON_RED}`}>
+                                        {profitMetrics.netProfit >= 0 ? '+' : ''}{formatCurrency(profitMetrics.netProfit)}
+                                    </div>
+                                    <div className="flex items-center gap-2 mt-2">
+                                        <span className={`text-xs font-bold px-2 py-0.5 rounded-full ${
+                                            profitMetrics.netMargin >= 0
+                                                ? 'text-green-600 dark:text-[#39ff14] bg-green-50 dark:bg-[#39ff14]/10 border border-green-200 dark:border-[#39ff14]/20'
+                                                : 'text-red-600 dark:text-[#ff003c] bg-red-50 dark:bg-[#ff003c]/10 border border-red-200 dark:border-[#ff003c]/20'
+                                        }`}>
+                                            {profitMetrics.netMargin >= 0 ? '+' : ''}{profitMetrics.netMargin.toFixed(1)}% margin
+                                        </span>
+                                    </div>
+                                </NeoCard>
                             </div>
 
                             {/* Payments Table */}