diff --git a/src/export/json.test.ts b/src/export/json.test.ts
index cd8b2ef..ce223e3 100644
--- a/src/export/json.test.ts
+++ b/src/export/json.test.ts
@@ -563,3 +563,79 @@ describe("purchase splits validation", () => {
     expect(parseDatasetJson(exportDatasetJson(data)).purchases.length).toBe(1);
   });
 });
+
+describe("the occurrenceDate / anchoring pairing", () => {
+  function withCostAndCharge(anchoring: string, source: any): string {
+    const data: any = createSeedDataset("2026-09");
+    data.posts[0].id = "housing";
+    data.recurring = [{
+      id: "r1", name: "Bill", order: 0, archived: false,
+      amount: { amount: 300, currency: "DKK" },
+      startDate: anchoring === "lastCharge" ? "2026-09-01" : "2026-09",
+      recurrence: { kind: "everyNMonths", n: 1 },
+      anchoring, splitMode: "percent",
+      splits: [{ postId: "housing", value: 100, absorbsRemainder: true }],
+    }];
+    data.purchases = [{
+      id: "p1", date: "2026-09-20", description: "Bill",
+      total: { amount: 300, currency: "DKK" }, splitMode: "percent",
+      splits: [{ postId: "housing", value: 100, absorbsRemainder: true }],
+      schedule: null, source,
+    }];
+    return JSON.stringify(data);
+  }
+
+  test("a calendar charge REQUIRES occurrenceDate", () => {
+    expect(() => parseDatasetJson(withCostAndCharge("calendar", { recurringId: "r1" })))
+      .toThrow(/occurrence date/i);
+  });
+
+  test("a calendar charge with occurrenceDate is accepted", () => {
+    expect(() =>
+      parseDatasetJson(withCostAndCharge("calendar", { recurringId: "r1", occurrenceDate: "2026-09" })),
+    ).not.toThrow();
+  });
+
+  test("an anchored charge FORBIDS occurrenceDate", () => {
+    // Its presence describes a schedule the app will not compute.
+    expect(() =>
+      parseDatasetJson(withCostAndCharge("lastCharge", { recurringId: "r1", occurrenceDate: "2026-09" })),
+    ).toThrow(/does not settle a slot|no slots|anchored/i);
+  });
+
+  test("an anchored charge without occurrenceDate is accepted", () => {
+    expect(() => parseDatasetJson(withCostAndCharge("lastCharge", { recurringId: "r1" }))).not.toThrow();
+  });
+});
+
+describe("startDate granularity under the anchored model", () => {
+  function withCost(anchoring: string, kind: string, startDate: string): string {
+    const data: any = createSeedDataset("2026-09");
+    data.posts[0].id = "housing";
+    data.recurring = [{
+      id: "r1", name: "Bill", order: 0, archived: false,
+      amount: { amount: 300, currency: "DKK" },
+      startDate, recurrence: kind === "everyNMonths" ? { kind, n: 1 } : { kind, n: 30 },
+      anchoring, splitMode: "percent",
+      splits: [{ postId: "housing", value: 100, absorbsRemainder: true }],
+    }];
+    data.purchases = [];
+    return JSON.stringify(data);
+  }
+
+  test("anchored + everyNMonths now needs a DAY", () => {
+    expect(() => parseDatasetJson(withCost("lastCharge", "everyNMonths", "2026-09"))).toThrow(/day-granular/);
+  });
+
+  test("calendar + everyNMonths still accepts a month", () => {
+    expect(() => parseDatasetJson(withCost("calendar", "everyNMonths", "2026-09"))).not.toThrow();
+  });
+
+  test("calendar + everyNMonths still accepts a day", () => {
+    expect(() => parseDatasetJson(withCost("calendar", "everyNMonths", "2026-09-20"))).not.toThrow();
+  });
+
+  test("a calendar-impossible date is still refused", () => {
+    expect(() => parseDatasetJson(withCost("lastCharge", "everyNMonths", "2026-09-31"))).toThrow(/impossible/i);
+  });
+});
diff --git a/src/export/json.ts b/src/export/json.ts
index c0767de..0fed439 100644
--- a/src/export/json.ts
+++ b/src/export/json.ts
@@ -322,10 +322,6 @@ export function parseDatasetJson(text: string): Dataset {
 
   const recurring = requireArray(data, "recurring") as any[];
   dataset.recurring = recurring;
-  // Optional chaining, not `.id` directly: a null/non-object entry must fall
-  // through to the loop below and fail there with an ImportValidationError,
-  // not throw a raw TypeError here while merely collecting ids.
-  const recurringIds = new Set(recurring.map((cost: any) => cost?.id));
 
   for (const cost of recurring) {
     if (!cost || typeof cost !== "object") {
@@ -336,6 +332,16 @@ export function parseDatasetJson(text: string): Dataset {
     const label = `Recurring cost "${cost.name}"`;
     requireCurrency(cost.amount?.currency, label, defined);
 
+    // Validated before the startDate/granularity checks below, because the
+    // granularity rule for `everyNMonths` now depends on which anchoring the
+    // cost carries — read it here rather than deferring, so a malformed
+    // anchoring string does not silently read as "calendar" a few lines down.
+    if (!ANCHORINGS.has(cost.anchoring)) {
+      throw new ImportValidationError(
+        `${label} has an unknown anchoring "${String(cost.anchoring)}"`,
+      );
+    }
+
     if (!PURCHASE_DATE.test(cost.startDate)) {
       throw new ImportValidationError(`${label} has an invalid start date "${cost.startDate}"`);
     }
@@ -343,14 +349,19 @@ export function parseDatasetJson(text: string): Dataset {
       throw new ImportValidationError(`${label} has an invalid ended-from date "${cost.endedFrom}"`);
     }
     requireRecurrence(cost.recurrence, label);
-    // `everyNMonths` walks through `monthOf`, which accepts either
-    // granularity; the other two kinds reach `addDays` and need a
-    // day-granular startDate specifically. `endedFrom` needs no such check —
+    // `everyNMonths` walks through `monthOf` under `calendar` anchoring, which
+    // accepts either granularity — rent occurs IN a month. Under `lastCharge`
+    // the same kind is computed day-precisely from a real charge date
+    // (`stepFrom`'s `addMonthsToDate` branch), so it needs a real day too.
+    // `everyNDays`/`everyNWeeks` reach `addDays` regardless of anchoring and
+    // always need a day-granular startDate. `endedFrom` needs no such check —
     // it is only ever compared lexicographically, never fed to `addDays`.
     const dayGranular = DAY_GRANULAR_DATE.test(cost.startDate);
-    if (cost.recurrence.kind !== "everyNMonths" && !dayGranular) {
+    const needsDay = cost.recurrence.kind !== "everyNMonths" || cost.anchoring === "lastCharge";
+    if (needsDay && !dayGranular) {
       throw new ImportValidationError(
-        `${label} has a "${cost.recurrence.kind}" recurrence but a month-only start date "${cost.startDate}"; it needs "YYYY-MM-DD"`,
+        `${label} has a "${cost.recurrence.kind}" recurrence anchored to "${cost.anchoring}" with a ` +
+          `month-only start date "${cost.startDate}"; it needs a day-granular startDate ("YYYY-MM-DD")`,
       );
     }
     // Shape and range (checked above by PURCHASE_DATE/DAY_GRANULAR_DATE) still
@@ -381,11 +392,6 @@ export function parseDatasetJson(text: string): Dataset {
       }
     }
 
-    if (!ANCHORINGS.has(cost.anchoring)) {
-      throw new ImportValidationError(
-        `${label} has an unknown anchoring "${String(cost.anchoring)}"`,
-      );
-    }
     requireSplits(cost.splits, cost.splitMode, label, postIds);
   }
 
@@ -419,24 +425,36 @@ export function parseDatasetJson(text: string): Dataset {
       // TypeError. `schedule?.slices ?? []` two blocks up is the same
       // defensive style applied to a sibling field that IS legitimately null.
       if (!purchase.source || typeof purchase.source !== "object") {
+        throw new ImportValidationError(`${label} has a source that is not an object`);
+      }
+      // Captured into a local: narrowing `purchase.source` above does not
+      // survive into the `find` callback below, which TypeScript treats as a
+      // fresh closure over a possibly-reassigned property.
+      const source = purchase.source;
+      const cost = recurring.find((c: any) => c?.id === source.recurringId);
+      if (!cost) {
         throw new ImportValidationError(
-          `${label} has a source that is not an object: ${JSON.stringify(purchase.source)}`,
+          `${label} names unknown recurring cost "${source.recurringId}"`,
         );
       }
-      if (!recurringIds.has(purchase.source.recurringId)) {
-        throw new ImportValidationError(
-          `${label} names unknown recurring cost "${purchase.source.recurringId}"`,
-        );
-      }
-      // occurrenceDate is absent for a lastCharge purchase — Task 6 rewrites
-      // this to check that against the cost's own anchoring.
-      if (
-        purchase.source.occurrenceDate !== undefined && // rewritten in Task 6
-        !PURCHASE_DATE.test(purchase.source.occurrenceDate)
-      ) {
-        throw new ImportValidationError(
-          `${label} has an invalid occurrence date "${purchase.source.occurrenceDate}"`,
-        );
+      // A calendar cost has a grid, and a charge against it settles one slot,
+      // so it must name that slot. An anchored (lastCharge) cost has no grid
+      // at all — its next due date comes from the charge's OWN date, not from
+      // any slot — so an occurrence date there describes a schedule this app
+      // will not compute; refuse it rather than silently ignore it.
+      if (cost.anchoring === "lastCharge") {
+        if (source.occurrenceDate !== undefined) {
+          throw new ImportValidationError(
+            `${label} carries an occurrence date, but "${cost.name}" is anchored to its last ` +
+              `charge and has no slots to settle`,
+          );
+        }
+      } else {
+        if (!PURCHASE_DATE.test(source.occurrenceDate as string)) {
+          throw new ImportValidationError(
+            `${label} has an invalid occurrence date "${String(source.occurrenceDate)}"`,
+          );
+        }
       }
     }
   }
diff --git a/src/store/actions.test.ts b/src/store/actions.test.ts
index 63fd846..596fbeb 100644
--- a/src/store/actions.test.ts
+++ b/src/store/actions.test.ts
@@ -886,3 +886,64 @@ describe("editing a charge's date backwards re-anchors instead of throwing", ()
     expect(dates[0]).toBe("2026-09-19"); // 2026-08-20 + 30 days
   });
 });
+
+describe("anchoring cannot change once a cost has charges", () => {
+  function seeded(anchoring: "calendar" | "lastCharge") {
+    const d = createSeedDataset("2026-09");
+    const post = d.posts[0]!;
+    const cost = actions.addRecurringCost(d, {
+      name: "Bill", archived: false,
+      amount: { amount: 300, currency: "DKK" },
+      startDate: anchoring === "lastCharge" ? "2026-09-01" : "2026-09",
+      recurrence: { kind: "everyNMonths", n: 1 },
+      anchoring, splitMode: "percent",
+      splits: [{ postId: post.id, value: 100, absorbsRemainder: true }],
+    });
+    return { d, cost };
+  }
+
+  test("changing anchoring is allowed while the cost has no charges", () => {
+    const { d, cost } = seeded("calendar");
+    actions.updateRecurringCost(d, cost.id, { anchoring: "lastCharge", startDate: "2026-09-01" });
+    expect(d.recurring[0]!.anchoring).toBe("lastCharge");
+  });
+
+  test("changing anchoring is REFUSED once a charge exists", () => {
+    // There is no honest way to invent which slot each existing charge
+    // settled, and guessing would leave real money settling nothing.
+    const { d, cost } = seeded("lastCharge");
+    actions.confirmOccurrence(d, cost.id, "2026-09-01", {});
+    expect(() => actions.updateRecurringCost(d, cost.id, { anchoring: "calendar" }))
+      .toThrow(/charge/i);
+  });
+
+  test("other fields are still editable on a cost with charges", () => {
+    const { d, cost } = seeded("lastCharge");
+    actions.confirmOccurrence(d, cost.id, "2026-09-01", {});
+    actions.updateRecurringCost(d, cost.id, { name: "Renamed" });
+    expect(d.recurring[0]!.name).toBe("Renamed");
+  });
+
+  test("setting anchoring to its CURRENT value is not a change", () => {
+    const { d, cost } = seeded("lastCharge");
+    actions.confirmOccurrence(d, cost.id, "2026-09-01", {});
+    expect(() => actions.updateRecurringCost(d, cost.id, { anchoring: "lastCharge" })).not.toThrow();
+  });
+});
+
+describe("confirmOccurrence by anchoring", () => {
+  test("an anchored confirmation records NO occurrenceDate", () => {
+    const d = createSeedDataset("2026-09");
+    const post = d.posts[0]!;
+    const cost = actions.addRecurringCost(d, {
+      name: "Phone", archived: false,
+      amount: { amount: 300, currency: "DKK" }, startDate: "2026-09-01",
+      recurrence: { kind: "everyNMonths", n: 1 }, anchoring: "lastCharge",
+      splitMode: "percent",
+      splits: [{ postId: post.id, value: 100, absorbsRemainder: true }],
+    });
+    const p = actions.confirmOccurrence(d, cost.id, "2026-09-01", {});
+    expect(p.source).toEqual({ recurringId: cost.id });
+    expect(p.date).toBe("2026-09-01");
+  });
+});
diff --git a/src/store/actions.ts b/src/store/actions.ts
index c117c63..27414ab 100755
--- a/src/store/actions.ts
+++ b/src/store/actions.ts
@@ -4,6 +4,7 @@ import { toDayOrdinal } from "../domain/days.ts";
 import { roundMoney } from "../domain/money.ts";
 import { currencyUsage, normalizeCurrencyCode } from "../domain/currencies.ts";
 import type {
+  Anchoring,
   Currency,
   CurrencyDef,
   Dataset,
@@ -398,11 +399,15 @@ function requireRecurrence(recurrence: Recurrence): Recurrence {
 const DAY_GRANULAR_DATE = /^\d{4}-\d{2}-\d{2}$/;
 
 /**
- * `everyNMonths` walks the cursor through `monthOf`, so it tolerates either
- * granularity of `startDate`. `everyNDays` and `everyNWeeks` hand it straight
- * to `addDays`, which throws on a month-only date — so those kinds require a
- * day-granular `startDate` here, at the boundary, rather than three months
- * later when a fold walks off the end of it.
+ * `everyNMonths` walks the cursor through `monthOf` under `calendar`
+ * anchoring, so a month-only `startDate` is fine there — rent occurs IN a
+ * month. Under `lastCharge` anchoring the SAME kind walks day-precisely
+ * (`stepFrom`'s `addMonthsToDate` branch), because the next due date is
+ * computed from a real charge date, so it needs a real day to carry forward.
+ * `everyNDays` and `everyNWeeks` hand `startDate` straight to `addDays`
+ * regardless of anchoring, which throws on a month-only date — so those two
+ * kinds always require a day-granular `startDate` here, at the boundary,
+ * rather than three months later when a fold walks off the end of it.
  *
  * Shape alone is not enough: "2026-09-31" is day-SHAPED but calendar-
  * impossible (September has 30 days), and would otherwise reach `addDays` (or
@@ -411,11 +416,16 @@ const DAY_GRANULAR_DATE = /^\d{4}-\d{2}-\d{2}$/;
  * a month-granular one through `monthOf` — both already throw on exactly
  * that — and translate whatever they throw into this file's own error style.
  */
-function requireStartDateGranularity(recurrence: Recurrence, startDate: IsoDate): void {
+function requireStartDateGranularity(
+  recurrence: Recurrence,
+  startDate: IsoDate,
+  anchoring: Anchoring,
+): void {
   const dayGranular = DAY_GRANULAR_DATE.test(startDate);
-  if (recurrence.kind !== "everyNMonths" && !dayGranular) {
+  const needsDay = recurrence.kind !== "everyNMonths" || anchoring === "lastCharge";
+  if (needsDay && !dayGranular) {
     throw new Error(
-      `A "${recurrence.kind}" recurrence needs a day-granular startDate ("YYYY-MM-DD"), not "${startDate}"`,
+      `A "${recurrence.kind}" recurrence anchored to ${anchoring} needs a day-granular startDate ("YYYY-MM-DD"), not "${startDate}"`,
     );
   }
   try {
@@ -433,7 +443,7 @@ export function addRecurringCost(
   cost: Omit<RecurringCost, "id" | "order">,
 ): RecurringCost {
   const recurrence = requireRecurrence(cost.recurrence);
-  requireStartDateGranularity(recurrence, cost.startDate);
+  requireStartDateGranularity(recurrence, cost.startDate, cost.anchoring);
   const created: RecurringCost = {
     ...cost,
     id: newId(),
@@ -468,11 +478,30 @@ export function updateRecurringCost(
   }
   // Runs on every update, not just one that touches recurrence or startDate:
   // either field alone can break the pairing (a kind flip against an
-  // untouched month-only startDate is exactly how this bug was reached).
+  // untouched month-only startDate is exactly how this bug was reached), and
+  // an anchoring flip against an untouched month-only startDate is the same
+  // shape of bug one level up.
   requireStartDateGranularity(
     resolved.recurrence ?? cost.recurrence,
     resolved.startDate ?? cost.startDate,
+    changes.anchoring ?? cost.anchoring,
   );
+
+  if (changes.anchoring && changes.anchoring !== cost.anchoring) {
+    // Switching calendar -> lastCharge could strip the now-forbidden slot ids
+    // mechanically, but the reverse cannot: there is no honest way to invent
+    // which slot each existing charge settled, and guessing would leave real
+    // money claiming slots that are not on the new grid. Ending the cost and
+    // creating a new one keeps the history and states the change plainly.
+    const charged = draft.purchases.some((p) => p.source?.recurringId === cost.id);
+    if (charged) {
+      throw new Error(
+        `"${cost.name}" already has charges recorded, so its anchoring cannot change. ` +
+          `End this cost and create a new one with the anchoring you want — its history stays intact.`,
+      );
+    }
+  }
+
   if (changes.amount) {
     resolved.amount = roundMoneyValue(draft, changes.amount);
   }
@@ -558,6 +587,12 @@ export function restoreRecurringCost(draft: Dataset, id: RecurringCostId): void
  * anchoring it is the latter that rebases the series — which is the whole of
  * the phone-bill behaviour.
  *
+ * A `lastCharge` cost has no grid, so its charge names no slot: `source`
+ * carries `recurringId` alone, and `occurrenceDate` — the caller's projected
+ * cursor, not a real slot — is dropped rather than stored. Recording it would
+ * describe a schedule the app will not compute (`confirmationsFor` in
+ * `occurrences.ts` is calendar-only and throws on exactly this shape).
+ *
  * Deleting the purchase later un-confirms the slot, with nothing to reconcile.
  */
 export function confirmOccurrence(
@@ -576,6 +611,9 @@ export function confirmOccurrence(
     // cost's, and `mutate` clones the draft rather than deep-freezing it.
     splits: cost.splits.map((split) => ({ ...split })),
     schedule: null,
-    source: { recurringId, occurrenceDate },
+    source:
+      cost.anchoring === "lastCharge"
+        ? { recurringId }
+        : { recurringId, occurrenceDate },
   });
 }