diff --git a/src/lib/money-tracker/MoneyChart.svelte b/src/lib/money-tracker/MoneyChart.svelte
index 82c35fc..975de43 100644
--- a/src/lib/money-tracker/MoneyChart.svelte
+++ b/src/lib/money-tracker/MoneyChart.svelte
@@ -1,16 +1,19 @@
 <script lang="ts">
-	import type { ChartPoint, ChartSeries } from './charts';
+	import { timeGrid, yearLabels, type ChartPoint, type ChartSeries, type GridMode } from './charts';
 
 	let {
 		series,
 		title,
 		unit = '€',
-		marker
+		marker,
+		grid
 	}: {
 		series: ChartSeries[];
 		title: string;
 		unit?: string;
 		marker?: { date: string; label: string };
+		/** Vertical gridlines: every month (1 January drawn stronger) or every year. */
+		grid?: GridMode;
 	} = $props();
 	let clientWidth = $state(800);
 	let width = $derived(Math.max(280, clientWidth));
@@ -26,6 +29,14 @@
 	let from = $derived(Math.min(...times));
 	let until = $derived(Math.max(...times));
 	let dateSpan = $derived(until - from || 1);
+	let gridLines = $derived(
+		grid && values.length ? timeGrid(isoDate(from), isoDate(until), grid) : []
+	);
+	let axisTicks = $derived(
+		grid === 'years'
+			? yearLabels(gridLines, Math.max(2, Math.floor((width - plot.left - plot.right) / 44)))
+			: ticks()
+	);
 	let snapDates = $derived(
 		[...new Set(series.flatMap((item) => item.points.map((point) => point.date)))].sort()
 	);
@@ -59,6 +70,9 @@
 		return { min, max, ticks };
 	}
 
+	function isoDate(ms: number) {
+		return new Date(ms).toISOString().slice(0, 10);
+	}
 	function time(date: string) {
 		return Date.parse(`${date}T12:00:00Z`);
 	}
@@ -108,6 +122,9 @@
 		}
 		return result;
 	}
+	function tickLabel(date: string) {
+		return grid === 'years' ? date.slice(0, 4) : dateLabel(date);
+	}
 	function dateLabel(date: string, withDay = false) {
 		return new Date(time(date)).toLocaleDateString('en-NL', {
 			day: withDay ? 'numeric' : undefined,
@@ -145,6 +162,16 @@
 				onpointerdown={hover}
 				onpointerleave={() => (hoverDate = null)}
 			>
+				{#each gridLines as line (line.date)}
+					<line
+						class="grid-x"
+						class:year={line.year && grid === 'months'}
+						x1={x(line.date)}
+						x2={x(line.date)}
+						y1={plot.top}
+						y2={height - plot.bottom}
+					/>
+				{/each}
 				{#each scale.ticks as value (value)}
 					<line
 						x1={plot.left}
@@ -162,13 +189,13 @@
 						font-size="11">{format(value)}</text
 					>
 				{/each}
-				{#each ticks() as tick (tick)}
+				{#each axisTicks as tick (tick)}
 					<text
 						x={x(tick)}
 						y={height - 8}
 						text-anchor="middle"
 						fill="var(--site-muted)"
-						font-size="11">{dateLabel(tick)}</text
+						font-size="11">{tickLabel(tick)}</text
 					>
 				{/each}
 				{#if marker && time(marker.date) >= from && time(marker.date) <= until}
@@ -294,6 +321,18 @@
 		overflow: visible;
 		user-select: none;
 	}
+	/* Vertical time gridlines: quieter than the value gridlines so the data stays in front. */
+	.grid-x {
+		stroke: var(--site-border);
+		stroke-width: 1;
+		stroke-opacity: 0.55;
+		shape-rendering: crispEdges;
+	}
+	.grid-x.year {
+		stroke: var(--site-muted);
+		stroke-width: 1.5;
+		stroke-opacity: 0.4;
+	}
 	.tooltip {
 		position: absolute;
 		top: 4px;
diff --git a/src/lib/money-tracker/charts.test.ts b/src/lib/money-tracker/charts.test.ts
index d1ad5b9..a2bbd8b 100644
--- a/src/lib/money-tracker/charts.test.ts
+++ b/src/lib/money-tracker/charts.test.ts
@@ -4,6 +4,9 @@ import {
 	accountColor,
 	balanceSeries,
 	forecastSeries,
+	parseHistoryRange,
+	timeGrid,
+	yearLabels,
 	utilityEstimate,
 	wealthProjection,
 	wealthTimeline
@@ -308,4 +311,42 @@ describe('history range', () => {
 		expect(byAccount.map((line) => line.label)).toEqual(['Bank', 'Parents', 'Total']);
 		expect(byAccount.at(-1)!.points[0].value).toBe(1000);
 	});
+
+	it('reads the history range from the URL, defaulting to one year', () => {
+		expect(parseHistoryRange('3y')).toBe('3y');
+		expect(parseHistoryRange('all')).toBe('all');
+		expect(parseHistoryRange('1y')).toBe('1y');
+		expect(parseHistoryRange('5y')).toBe('1y');
+		expect(parseHistoryRange(null)).toBe('1y');
+	});
+
+	it('puts a gridline on every month start and marks 1 January as a year line', () => {
+		const lines = timeGrid('2025-10-24', '2026-03-01', 'months');
+		expect(lines).toEqual([
+			{ date: '2025-11-01', year: false },
+			{ date: '2025-12-01', year: false },
+			{ date: '2026-01-01', year: true },
+			{ date: '2026-02-01', year: false },
+			{ date: '2026-03-01', year: false }
+		]);
+		expect(timeGrid('2025-01-01', '2025-02-15', 'months').map((line) => line.date)).toEqual([
+			'2025-01-01',
+			'2025-02-01'
+		]);
+	});
+
+	it('puts only year lines on the all-time grid and thins crowded year labels', () => {
+		const lines = timeGrid('2007-02-01', '2027-10-24', 'years');
+		expect(lines).toHaveLength(20);
+		expect(lines.every((line) => line.year && line.date.endsWith('-01-01'))).toBe(true);
+		expect(lines[0].date).toBe('2008-01-01');
+		expect(yearLabels(lines, 30)).toHaveLength(20);
+		expect(yearLabels(lines, 6).map((date) => date.slice(0, 4))).toEqual([
+			'2010',
+			'2015',
+			'2020',
+			'2025'
+		]);
+		expect(timeGrid('2026-01-02', '2026-01-01', 'months')).toEqual([]);
+	});
 });
diff --git a/src/lib/money-tracker/charts.ts b/src/lib/money-tracker/charts.ts
index e443c4f..4fd281f 100644
--- a/src/lib/money-tracker/charts.ts
+++ b/src/lib/money-tracker/charts.ts
@@ -360,3 +360,45 @@ export function clipSeries(series: ChartSeries[], from: string | null): ChartSer
 		return { ...line, points };
 	});
 }
+
+/** Reads a `?range=` value, falling back to one year for anything unknown. */
+export function parseHistoryRange(value: string | null | undefined): HistoryRange {
+	return value === '3y' || value === 'all' ? value : '1y';
+}
+
+export type GridMode = 'months' | 'years';
+export type GridLine = { date: string; year: boolean };
+
+/**
+ * Vertical gridlines between two dates (inclusive): the first of every month (`months`),
+ * or only 1 January (`years`). Lines on 1 January are flagged so they can be drawn stronger.
+ */
+export function timeGrid(from: string, until: string, mode: GridMode): GridLine[] {
+	const lines: GridLine[] = [];
+	if (!from || !until || from > until) return lines;
+	let year = Number(from.slice(0, 4));
+	let month = Number(from.slice(5, 7)) - 1;
+	if (from.slice(8) !== '01') month++;
+	for (let guard = 0; guard < 1200; guard++) {
+		if (month > 11) {
+			month = 0;
+			year++;
+		}
+		if (mode === 'years' && month !== 0) {
+			month = 12;
+			continue;
+		}
+		const date = `${year}-${String(month + 1).padStart(2, '0')}-01`;
+		if (date > until) break;
+		lines.push({ date, year: month === 0 });
+		month++;
+	}
+	return lines;
+}
+
+/** Year labels for the `years` grid, thinned to every 2nd/5th/10th year when crowded. */
+export function yearLabels(lines: GridLine[], maxLabels: number): string[] {
+	const years = lines.filter((line) => line.year).map((line) => line.date);
+	const step = [1, 2, 5, 10, 20].find((size) => Math.ceil(years.length / size) <= maxLabels) ?? 50;
+	return years.filter((date) => Number(date.slice(0, 4)) % step === 0);
+}
diff --git a/src/routes/projects/money-tracker/+page.svelte b/src/routes/projects/money-tracker/+page.svelte
index 7ab7156..a7b4d10 100644
--- a/src/routes/projects/money-tracker/+page.svelte
+++ b/src/routes/projects/money-tracker/+page.svelte
@@ -19,6 +19,8 @@
 	import QuickAdd from '#lib/money-tracker/QuickAdd.svelte';
 	import { Badge } from '#lib/components/ui/badge/index.js';
 	import { resolve } from '$app/paths';
+	import { page } from '$app/state';
+	import { replaceState } from '$app/navigation';
 	import { Button } from '#lib/components/ui/button/index.js';
 	import { Input } from '#lib/components/ui/input/index.js';
 	import * as Tabs from '#lib/components/ui/tabs/index.js';
@@ -28,6 +30,7 @@
 		clipSeries,
 		type HistoryRange,
 		historyStart,
+		parseHistoryRange,
 		monthlyCents,
 		type TimelineView,
 		utilityEstimate,
@@ -146,7 +149,15 @@
 		{ id: '3y', label: '3 years' },
 		{ id: 'all', label: 'All' }
 	];
-	let historyRange = $state<HistoryRange>('1y');
+	// The range lives in ?range= so it survives reloads; 1y is the default.
+	let historyRange = $state<HistoryRange>(parseHistoryRange(page.url.searchParams.get('range')));
+	function setHistoryRange(value: string) {
+		historyRange = parseHistoryRange(value);
+		const url = new URL(window.location.href);
+		url.searchParams.set('range', historyRange);
+		// Shallow routing: rewrites the current history entry without a load, reload or scroll.
+		replaceState(url, page.state);
+	}
 	let timeline = $derived(
 		clipSeries(
 			wealthTimeline(data.accounts, actualTransactions, projection, data.today, timelineView),
@@ -327,7 +338,7 @@
 							>{/each}</Tabs.List
 					></Tabs.Root
 				>
-				<Tabs.Root bind:value={historyRange} aria-label="History range"
+				<Tabs.Root value={historyRange} onValueChange={setHistoryRange} aria-label="History range"
 					><Tabs.List
 						>{#each historyRanges as item (item.id)}<Tabs.Trigger value={item.id}
 								>{item.label}</Tabs.Trigger
@@ -339,6 +350,7 @@
 				series={timeline}
 				title="Actual and projected wealth over time"
 				marker={{ date: data.today, label: 'Today' }}
+				grid={historyRange === 'all' ? 'years' : 'months'}
 			/>
 			<div class="projection-totals" aria-label="Projected balances at end of period">
 				<div>