diff --git a/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/component/Refresh.kt b/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/component/Refresh.kt
new file mode 100644
index 0000000..403ffdd
--- /dev/null
+++ b/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/component/Refresh.kt
@@ -0,0 +1,131 @@
+package se.hagstedt.kvitt.design.component
+
+import androidx.compose.animation.core.animateFloatAsState
+import androidx.compose.foundation.layout.BoxScope
+import androidx.compose.foundation.layout.size
+import androidx.compose.material3.CircularProgressIndicator
+import androidx.compose.material3.ExperimentalMaterial3Api
+import androidx.compose.material3.MaterialTheme
+import androidx.compose.material3.pulltorefresh.PullToRefreshBox
+import androidx.compose.material3.pulltorefresh.PullToRefreshDefaults
+import androidx.compose.material3.pulltorefresh.PullToRefreshState
+import androidx.compose.material3.pulltorefresh.rememberPullToRefreshState
+import androidx.compose.runtime.Composable
+import androidx.compose.runtime.LaunchedEffect
+import androidx.compose.runtime.derivedStateOf
+import androidx.compose.runtime.getValue
+import androidx.compose.runtime.remember
+import androidx.compose.runtime.rememberUpdatedState
+import androidx.compose.ui.Alignment
+import androidx.compose.ui.Modifier
+import androidx.compose.ui.graphics.Color
+import androidx.compose.ui.graphics.StrokeCap
+import androidx.compose.ui.graphics.graphicsLayer
+import androidx.compose.ui.hapticfeedback.HapticFeedbackType
+import androidx.compose.ui.platform.LocalHapticFeedback
+import androidx.compose.ui.res.stringResource
+import androidx.compose.ui.semantics.LiveRegionMode
+import androidx.compose.ui.semantics.clearAndSetSemantics
+import androidx.compose.ui.semantics.contentDescription
+import androidx.compose.ui.semantics.liveRegion
+import se.hagstedt.kvitt.core.design.R
+import se.hagstedt.kvitt.design.KvittTheme
+import se.hagstedt.kvitt.design.icon.KvittIcon
+import se.hagstedt.kvitt.design.theme.KvittDimens
+import se.hagstedt.kvitt.design.theme.KvittMotion
+
+// Pull-to-refresh of Home (S-4) and account detail (S-5), D-127: pulling down at the top of the list runs a sync now.
+//
+// Material 3 1.4.0 has `PullToRefreshBox` (stable) but neither `LoadingIndicator` / `ContainedLoadingIndicator` nor
+// `LinearWavyProgressIndicator` (Expressive, not in the 1.4.0 release), and `PullToRefreshDefaults.IndicatorBox` is
+// still experimental there. The indicator is therefore Kvitt's own content in `IndicatorBox`, drawn like the hero's
+// first-sync tile (design-spec §3.6 `Loading`: `primary-container` tile, Cookie9 shape with its circle fallback): the
+// `sync` icon of the sync pill and "Synka nu" in `on-primary-container`, with a `primary` ring. The swap to
+// `ContainedLoadingIndicator` happens here and nowhere else (design-spec §3.1).
+
+/**
+ * Pull-to-refresh around a screen's scrolling [content] (D-127). Pulling past the threshold gives a haptic tick and
+ * calls [onRefresh]; the indicator stays while [refreshing] is true and slides away when it turns false, whether the
+ * sync succeeded or not (the sync pill reports a failure, design-spec §3.6). TalkBack users keep the existing paths
+ * (S-16 "Synka nu"); while refreshing the indicator reads "Synkar…" as a polite live region.
+ */
+@OptIn(ExperimentalMaterial3Api::class)
+@Composable
+fun KvittPullToRefresh(
+    refreshing: Boolean,
+    onRefresh: () -> Unit,
+    modifier: Modifier = Modifier,
+    content: @Composable BoxScope.() -> Unit,
+) {
+    val state = rememberPullToRefreshState()
+    PullToRefreshBox(
+        isRefreshing = refreshing,
+        onRefresh = onRefresh,
+        modifier = modifier,
+        state = state,
+        indicator = { KvittRefreshIndicator(state, refreshing, Modifier.align(Alignment.TopCenter)) },
+        content = content,
+    )
+}
+
+/**
+ * The indicator: while pulling, the `sync` icon (at 80 %) winds with the finger and a `primary` arc fills towards the
+ * threshold; at the threshold the icon pops to full size (spatial fast, design-spec §2.11) with
+ * [HapticFeedbackType.GestureThresholdActivate]; while refreshing the arc becomes an indeterminate ring.
+ */
+@OptIn(ExperimentalMaterial3Api::class)
+@Composable
+private fun KvittRefreshIndicator(state: PullToRefreshState, refreshing: Boolean, modifier: Modifier) {
+    val scheme = MaterialTheme.colorScheme
+    val haptics = LocalHapticFeedback.current
+    val armed by remember(state) { derivedStateOf { state.distanceFraction >= 1f } }
+    val isRefreshing by rememberUpdatedState(refreshing)
+    LaunchedEffect(armed) {
+        if (armed && !isRefreshing) haptics.performHapticFeedback(HapticFeedbackType.GestureThresholdActivate)
+    }
+    val scale by animateFloatAsState(
+        if (armed || refreshing) 1f else KvittDimens.PULL_ICON_REST_SCALE,
+        KvittMotion.spatialFast(),
+        label = "pull icon",
+    )
+    val spoken = stringResource(R.string.sync_syncing)
+    PullToRefreshDefaults.IndicatorBox(
+        state = state,
+        isRefreshing = refreshing,
+        modifier = modifier
+            .size(KvittDimens.pullTile)
+            .clearAndSetSemantics {
+                if (refreshing) {
+                    contentDescription = spoken
+                    liveRegion = LiveRegionMode.Polite
+                }
+            },
+        shape = KvittTheme.shapes.illustration,
+        containerColor = scheme.primaryContainer,
+    ) {
+        val ring = Modifier.size(KvittDimens.pullRing)
+        if (refreshing) {
+            CircularProgressIndicator(ring, color = scheme.primary, strokeWidth = KvittDimens.pullRingStroke, trackColor = Color.Transparent, strokeCap = StrokeCap.Round)
+        } else {
+            CircularProgressIndicator(
+                progress = { state.distanceFraction.coerceIn(0f, 1f) },
+                modifier = ring,
+                color = scheme.primary,
+                strokeWidth = KvittDimens.pullRingStroke,
+                trackColor = scheme.primary.copy(alpha = KvittDimens.PULL_TRACK_ALPHA),
+                strokeCap = StrokeCap.Round,
+            )
+        }
+        KvittIconImage(
+            KvittIcon.Sync,
+            null,
+            Modifier.graphicsLayer {
+                rotationZ = state.distanceFraction.coerceAtLeast(0f) * KvittDimens.PULL_ICON_TURN_DEGREES
+                scaleX = scale
+                scaleY = scale
+            },
+            size = KvittDimens.pullIcon,
+            tint = scheme.onPrimaryContainer,
+        )
+    }
+}
diff --git a/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittDimens.kt b/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittDimens.kt
index 142797a..6c3f298 100644
--- a/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittDimens.kt
+++ b/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittDimens.kt
@@ -99,6 +99,16 @@ object KvittDimens {
     val bannerGap = 6.dp
     val hintVertical = 4.dp
 
+    // Pull-to-refresh on S-4 and S-5 (D-127): a 48 dp tile with a 32 dp ring (stroke 3) around the 18 dp `sync` icon.
+    val pullTile = 48.dp
+    val pullRing = 32.dp
+    val pullRingStroke = 3.dp
+    val pullIcon = 18.dp
+    /** The icon grows from 80 % to full size as the pull reaches its threshold, and turns 270° on the way. */
+    const val PULL_ICON_REST_SCALE = 0.8f
+    const val PULL_ICON_TURN_DEGREES = 270f
+    const val PULL_TRACK_ALPHA = 0.24f
+
     // Editor fields (§3.7).
     val amountTop = 10.dp
     val amountBottom = 6.dp
diff --git a/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittMotion.kt b/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittMotion.kt
index 6d417d7..2e8d870 100644
--- a/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittMotion.kt
+++ b/android/core/design/src/main/kotlin/se/hagstedt/kvitt/design/theme/KvittMotion.kt
@@ -18,4 +18,10 @@ object KvittMotion {
     const val SEESAW_STIFFNESS = 300f
 
     fun <T> seesaw(): FiniteAnimationSpec<T> = spring(SEESAW_DAMPING, SEESAW_STIFFNESS)
+
+    /** Spatial fast: chip and tile selection, check badge pop, the pull-to-refresh icon at its threshold (D-127). */
+    const val SPATIAL_FAST_DAMPING = 0.6f
+    const val SPATIAL_FAST_STIFFNESS = 800f
+
+    fun <T> spatialFast(): FiniteAnimationSpec<T> = spring(SPATIAL_FAST_DAMPING, SPATIAL_FAST_STIFFNESS)
 }
diff --git a/android/core/design/src/testFixtures/kotlin/se/hagstedt/kvitt/design/testing/GatedSyncRepository.kt b/android/core/design/src/testFixtures/kotlin/se/hagstedt/kvitt/design/testing/GatedSyncRepository.kt
new file mode 100644
index 0000000..3a3ec0b
--- /dev/null
+++ b/android/core/design/src/testFixtures/kotlin/se/hagstedt/kvitt/design/testing/GatedSyncRepository.kt
@@ -0,0 +1,27 @@
+package se.hagstedt.kvitt.design.testing
+
+import kotlinx.coroutines.CompletableDeferred
+import se.hagstedt.kvitt.model.SyncRepository
+
+/**
+ * A [SyncRepository] whose `syncNow()` waits until the test calls [finish], then runs [delegate]'s; it counts the
+ * calls. Lets a test see a screen while its sync is still running (pull-to-refresh, D-127); no mocking library.
+ */
+class GatedSyncRepository(private val delegate: SyncRepository) : SyncRepository by delegate {
+    private val gate = CompletableDeferred<Unit>()
+
+    /** How many times `syncNow()` was called. */
+    var calls: Int = 0
+        private set
+
+    override suspend fun syncNow() {
+        calls += 1
+        gate.await()
+        delegate.syncNow()
+    }
+
+    /** Lets every waiting and later `syncNow()` run to its end. */
+    fun finish() {
+        gate.complete(Unit)
+    }
+}
diff --git a/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailScreen.kt b/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailScreen.kt
index 26c3fe7..9ff7074 100644
--- a/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailScreen.kt
+++ b/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailScreen.kt
@@ -37,6 +37,7 @@ import se.hagstedt.kvitt.design.component.EmptyState
 import se.hagstedt.kvitt.design.component.KvittIconImage
 import se.hagstedt.kvitt.design.component.KvittMenuContent
 import se.hagstedt.kvitt.design.component.KvittMenuItem
+import se.hagstedt.kvitt.design.component.KvittPullToRefresh
 import se.hagstedt.kvitt.design.component.KvittScaffold
 import se.hagstedt.kvitt.design.component.KvittTopAppBar
 import se.hagstedt.kvitt.design.component.LedgerMonthGroup
@@ -69,6 +70,7 @@ data class AccountDetailActions(
     val onDismissDelete: () -> Unit = {},
     val onRetry: (AccountAction) -> Unit = {},
     val onMessageShown: () -> Unit = {},
+    val onRefresh: () -> Unit = {},
 )
 
 /**
@@ -120,6 +122,7 @@ fun AccountDetailScreen(
         onDismissDelete = viewModel::dismissDelete,
         onRetry = viewModel::retry,
         onMessageShown = viewModel::messageShown,
+        onRefresh = viewModel::refresh,
     )
     AccountDetailContent(ui, actions, modifier, snackbarHostState = snackbarHostState)
 }
@@ -174,30 +177,33 @@ private fun AccountList(ui: AccountDetailUi.Ready, actions: AccountDetailActions
         unarchive = stringResource(R.string.account_unarchive),
     )
     val typeLabel = stringResource(DesignR.string.ledger_settlement_label)
-    LazyColumn(
-        Modifier.fillMaxSize().padding(padding),
-        state = listState,
-        contentPadding = PaddingValues(start = spacing.gutter, end = spacing.gutter, top = spacing.s1, bottom = spacing.fabClearance),
-        verticalArrangement = Arrangement.spacedBy(spacing.sectionGap),
-    ) {
-        item(key = "header") {
-            AccountBalanceHeader(ui.detail, ui.colorIndex, ui.viewerPercent, words, { actions.onSettle(account.id) }, actions.onUnarchive)
-        }
-        if (ui.detail.months.isEmpty()) {
-            item(key = "empty") {
-                EmptyState(stringResource(R.string.account_empty_title), stringResource(R.string.account_empty_body, account.name))
+    // Pull-to-refresh runs a sync now (D-127).
+    KvittPullToRefresh(ui.refreshing, actions.onRefresh, Modifier.fillMaxSize().padding(padding)) {
+        LazyColumn(
+            Modifier.fillMaxSize(),
+            state = listState,
+            contentPadding = PaddingValues(start = spacing.gutter, end = spacing.gutter, top = spacing.s1, bottom = spacing.fabClearance),
+            verticalArrangement = Arrangement.spacedBy(spacing.sectionGap),
+        ) {
+            item(key = "header") {
+                AccountBalanceHeader(ui.detail, ui.colorIndex, ui.viewerPercent, words, { actions.onSettle(account.id) }, actions.onUnarchive)
             }
-        }
-        ui.detail.months.forEach { month ->
-            item(key = month.period) {
-                LedgerMonthGroup(
-                    month.period,
-                    month.householdSpendOre,
-                    month.rows,
-                    typeLabel,
-                    onExpense = { actions.onOpenExpense(it.id) },
-                    onSettlement = { actions.onOpenSettlement(it.id) },
-                )
+            if (ui.detail.months.isEmpty()) {
+                item(key = "empty") {
+                    EmptyState(stringResource(R.string.account_empty_title), stringResource(R.string.account_empty_body, account.name))
+                }
+            }
+            ui.detail.months.forEach { month ->
+                item(key = month.period) {
+                    LedgerMonthGroup(
+                        month.period,
+                        month.householdSpendOre,
+                        month.rows,
+                        typeLabel,
+                        onExpense = { actions.onOpenExpense(it.id) },
+                        onSettlement = { actions.onOpenSettlement(it.id) },
+                    )
+                }
             }
         }
     }
diff --git a/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailViewModel.kt b/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailViewModel.kt
index 68d9aaa..9b6cb4a 100644
--- a/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailViewModel.kt
+++ b/android/feature/account/src/main/kotlin/se/hagstedt/kvitt/feature/account/AccountDetailViewModel.kt
@@ -8,6 +8,7 @@ import kotlinx.coroutines.flow.MutableStateFlow
 import kotlinx.coroutines.flow.SharingStarted
 import kotlinx.coroutines.flow.StateFlow
 import kotlinx.coroutines.flow.combine
+import kotlinx.coroutines.flow.first
 import kotlinx.coroutines.flow.stateIn
 import kotlinx.coroutines.flow.update
 import kotlinx.coroutines.launch
@@ -17,6 +18,7 @@ import se.hagstedt.kvitt.model.AccountId
 import se.hagstedt.kvitt.model.AccountRepository
 import se.hagstedt.kvitt.model.ConnectivityRepository
 import se.hagstedt.kvitt.model.OnlineResult
+import se.hagstedt.kvitt.model.SyncRepository
 import se.hagstedt.kvitt.model.User
 import javax.inject.Inject
 
@@ -57,6 +59,7 @@ sealed interface AccountEvent {
 sealed interface AccountDetailUi {
     data object Starting : AccountDetailUi
 
+    /** [refreshing]: a pull-to-refresh sync is running; the indicator stays until it ends (D-127). */
     data class Ready(
         val detail: AccountDetailState,
         val online: Boolean,
@@ -66,6 +69,7 @@ sealed interface AccountDetailUi {
         val busy: Boolean = false,
         val message: AccountMessage? = null,
         val event: AccountEvent? = null,
+        val refreshing: Boolean = false,
     ) : AccountDetailUi {
         val partner: User get() = detail.balance.partner
         val me: User get() = detail.users.firstOrNull { it.id != partner.id } ?: partner
@@ -90,6 +94,7 @@ private data class AccountLocal(
     val busy: Boolean = false,
     val message: AccountMessage? = null,
     val event: AccountEvent? = null,
+    val refreshing: Boolean = false,
 )
 
 internal const val HALF_BP = 5_000
@@ -100,7 +105,8 @@ internal const val BP_PER_PERCENT = 100f
 class AccountDetailViewModel @Inject constructor(
     savedState: SavedStateHandle,
     private val accounts: AccountRepository,
-    connectivity: ConnectivityRepository,
+    private val connectivity: ConnectivityRepository,
+    private val sync: SyncRepository,
 ) : ViewModel() {
     val id = AccountId(checkNotNull(savedState.get<String>(ARG_ACCOUNT_ID)) { "missing $ARG_ACCOUNT_ID" })
     private val local = MutableStateFlow(AccountLocal())
@@ -118,12 +124,29 @@ class AccountDetailViewModel @Inject constructor(
                 busy = l.busy,
                 message = l.message,
                 event = l.event,
+                refreshing = l.refreshing,
             )
         }
     }.stateIn(viewModelScope, SharingStarted.Eagerly, AccountDetailUi.Starting)
 
     fun setMenuOpen(open: Boolean) = local.update { it.copy(menuOpen = open) }
 
+    /**
+     * Pull-to-refresh (D-127): a sync now, the same call as S-16's "Synka nu"; the indicator stays until it returns,
+     * success or failure. Offline there is nothing to sync and the pull ends at once (§9.9).
+     */
+    fun refresh() {
+        if (local.value.refreshing) return
+        local.update { it.copy(refreshing = true) }
+        viewModelScope.launch {
+            try {
+                if (connectivity.online.first()) sync.syncNow()
+            } finally {
+                local.update { it.copy(refreshing = false) }
+            }
+        }
+    }
+
     fun archive() = run(AccountAction.Archive)
 
     fun unarchive() = run(AccountAction.Unarchive)
diff --git a/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountScreenshotTest.kt b/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountScreenshotTest.kt
index 8ab22a8..2442c4a 100644
--- a/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountScreenshotTest.kt
+++ b/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountScreenshotTest.kt
@@ -31,6 +31,7 @@ val accountStates: List<ScreenState> = listOf(
     detail("S-5-account-offline", AccountScenarios.offline, AccountScenarios.vardag) { it.setMenuOpen(true) },
     detail("S-5-account-error", AccountScenarios.loaded, AccountScenarios.vardag, failWith = FAILURE_NETWORK) { it.archive() },
     detail("S-5-account-long", AccountScenarios.long, AccountScenarios.longAccount, largeFont = true),
+    refreshing("S-5-account-refreshing", AccountScenarios.loaded, AccountScenarios.vardag),
     editor("S-6-account-editor-create", AccountScenarios.editor),
     editor("S-6-account-editor", AccountScenarios.editor, largeFont = true) { it.onName("Sommarstugan"); it.onViewerPercent(60) },
     editor("S-6-account-editor-edit", AccountScenarios.editor, id = AccountScenarios.huset),
@@ -52,6 +53,12 @@ private fun detail(name: String, scenario: FakeScenario, id: AccountId, failWith
     return ScreenState(name, largeFont) { AccountDetailContent(ui, AccountDetailActions()) }
 }
 
+/** The account screen while a pull-to-refresh sync runs (D-127): the indicator is held at its resting place. */
+private fun refreshing(name: String, scenario: FakeScenario, id: AccountId): ScreenState {
+    val ui = (detailState(scenario, id) as AccountDetailUi.Ready).copy(refreshing = true)
+    return ScreenState(name) { AccountDetailContent(ui, AccountDetailActions()) }
+}
+
 private fun editor(name: String, scenario: FakeScenario, id: AccountId? = null, failWith: String? = null, largeFont: Boolean = false, act: (AccountEditorViewModel) -> Unit = {}): ScreenState {
     val ui = editorState(scenario, id, failWith, act = act)
     return ScreenState(name, largeFont) { AccountEditorContent(ui, AccountEditorActions()) }
@@ -80,6 +87,7 @@ class AccountScreenshotTest(private val state: String) {
         fun states(): List<Array<Any>> = listOf(
             "S-5-account", "S-5-account-negative", "S-5-account-archived", "S-5-account-menu", "S-5-account-menu-deletable",
             "S-5-account-delete-confirm", "S-5-account-empty", "S-5-account-offline", "S-5-account-error", "S-5-account-long",
+            "S-5-account-refreshing",
             "S-6-account-editor-create", "S-6-account-editor", "S-6-account-editor-edit", "S-6-account-editor-decimals",
             "S-6-account-editor-error", "S-6-account-editor-validation", "S-6-account-editor-network", "S-6-account-editor-offline",
             "S-6-account-editor-saving",
diff --git a/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountStates.kt b/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountStates.kt
index 670f4f4..186fc91 100644
--- a/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountStates.kt
+++ b/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountStates.kt
@@ -23,7 +23,7 @@ fun args(id: AccountId?): SavedStateHandle = SavedStateHandle(if (id == null) em
 fun detailState(scenario: FakeScenario, id: AccountId, failWith: String? = null, act: (AccountDetailViewModel) -> Unit = {}): AccountDetailUi = withMain {
     val fakes = FakeRepositories(scenario)
     val accounts = if (failWith == null) fakes.accounts else FailingAccounts(fakes.accounts, failWith)
-    val vm = AccountDetailViewModel(args(id), accounts, fakes.connectivity)
+    val vm = AccountDetailViewModel(args(id), accounts, fakes.connectivity, fakes.sync)
     act(vm)
     vm.ui.value
 }
diff --git a/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountViewModelTest.kt b/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountViewModelTest.kt
index cd5ad72..caad181 100644
--- a/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountViewModelTest.kt
+++ b/android/feature/account/src/test/kotlin/se/hagstedt/kvitt/feature/account/AccountViewModelTest.kt
@@ -10,7 +10,10 @@ import se.hagstedt.kvitt.fakes.FakeRepositories
 import se.hagstedt.kvitt.fakes.FakeScenarios
 import se.hagstedt.kvitt.fakes.account.AccountScenarios
 import se.hagstedt.kvitt.model.AccountId
+import se.hagstedt.kvitt.design.testing.GatedSyncRepository
 import se.hagstedt.kvitt.design.testing.withMain
+import se.hagstedt.kvitt.fakes.FakeScenario
+import se.hagstedt.kvitt.model.LedgerRow
 
 class AccountDetailViewModelTest {
     private fun ready(ui: AccountDetailUi) = ui as AccountDetailUi.Ready
@@ -102,6 +105,40 @@ class AccountDetailViewModelTest {
         assertEquals(AccountMessage.Failed("forbidden"), ui.message)
     }
 
+    /** S-5 for Vardag in [scenario] whose sync waits for the test (pull-to-refresh, D-127); runs [block] with Main set. */
+    private fun withGatedSync(scenario: FakeScenario, block: (AccountDetailViewModel, GatedSyncRepository) -> Unit) = withMain {
+        val fakes = FakeRepositories(scenario)
+        val sync = GatedSyncRepository(fakes.sync)
+        block(AccountDetailViewModel(args(AccountScenarios.vardag), fakes.accounts, fakes.connectivity, sync), sync)
+    }
+
+    private fun AccountDetailUi.Ready.pendingRows(): Int = detail.months.flatMap { it.rows }.count {
+        when (it) {
+            is LedgerRow.ExpenseRow -> it.pending
+            is LedgerRow.SettlementRow -> it.pending
+        }
+    }
+
+    @Test
+    fun pullToRefreshSyncsAndStaysUntilTheSyncEnds() = withGatedSync(AccountScenarios.loaded) { vm, sync ->
+        assertTrue(ready(vm.ui.value).pendingRows() > 0)
+        vm.refresh()
+        assertTrue(ready(vm.ui.value).refreshing)
+        vm.refresh()
+        assertEquals(1, sync.calls)
+        sync.finish()
+        val ui = ready(vm.ui.value)
+        assertFalse(ui.refreshing)
+        assertEquals(0, ui.pendingRows())
+    }
+
+    @Test
+    fun pullToRefreshOfflineEndsAtOnceWithoutSyncing() = withGatedSync(AccountScenarios.offline) { vm, sync ->
+        vm.refresh()
+        assertFalse(ready(vm.ui.value).refreshing)
+        assertEquals(0, sync.calls)
+    }
+
     @Test
     fun unknownAccountIsGone() {
         assertEquals(AccountDetailUi.Gone(AccountEvent.Gone), detailState(AccountScenarios.loaded, AccountId("missing")))
diff --git a/android/feature/account/src/test/screenshots/S-5-account-refreshing_en_light.png b/android/feature/account/src/test/screenshots/S-5-account-refreshing_en_light.png
new file mode 100644
index 0000000..e23e7b5
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diff --git a/android/feature/account/src/test/screenshots/S-5-account-refreshing_sv_dark.png b/android/feature/account/src/test/screenshots/S-5-account-refreshing_sv_dark.png
new file mode 100644
index 0000000..b365e97
Binary files /dev/null and b/android/feature/account/src/test/screenshots/S-5-account-refreshing_sv_dark.png differ
diff --git a/android/feature/account/src/test/screenshots/S-5-account-refreshing_sv_light.png b/android/feature/account/src/test/screenshots/S-5-account-refreshing_sv_light.png
new file mode 100644
index 0000000..c9fee50
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diff --git a/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeScreen.kt b/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeScreen.kt
index d42a247..6213c08 100644
--- a/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeScreen.kt
+++ b/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeScreen.kt
@@ -43,6 +43,7 @@ import se.hagstedt.kvitt.design.component.HeroWords
 import se.hagstedt.kvitt.design.component.KvittCard
 import se.hagstedt.kvitt.design.component.KvittDestination
 import se.hagstedt.kvitt.design.component.KvittNavigationBar
+import se.hagstedt.kvitt.design.component.KvittPullToRefresh
 import se.hagstedt.kvitt.design.component.KvittScaffold
 import se.hagstedt.kvitt.design.component.KvittTopAppBar
 import se.hagstedt.kvitt.design.component.LocalKvittClock
@@ -76,6 +77,7 @@ data class HomeActions(
     val onUpdateRetry: () -> Unit = {},
     val onInstallContinue: () -> Unit = {},
     val onInstallDismiss: () -> Unit = {},
+    val onRefresh: () -> Unit = {},
 )
 
 /**
@@ -117,6 +119,7 @@ fun HomeScreen(
         onUpdateRetry = viewModel::onRetry,
         onInstallContinue = viewModel::onInstallDialogContinue,
         onInstallDismiss = viewModel::onInstallDialogDismiss,
+        onRefresh = viewModel::refresh,
     )
     HomeContent(ui, actions, modifier, snackbarHostState, minute)
 }
@@ -157,15 +160,23 @@ fun HomeContent(
 
 @Composable
 private fun HomeList(ui: HomeUi.Ready, partner: User, actions: HomeActions, padding: PaddingValues, tick: Int, listState: LazyListState) {
-    val spacing = KvittTheme.spacing
     val words = HeroWords(
         settleUp = stringResource(R.string.home_settle_up),
         loadingTitle = stringResource(R.string.home_loading),
         loadingBody = stringResource(R.string.home_loading_body),
     )
     val colorIndex = ui.colorIndex
+    // Pull-to-refresh runs a sync now (D-127); the list keeps its own states (loading, empty, loaded) inside it.
+    KvittPullToRefresh(ui.refreshing, actions.onRefresh, Modifier.fillMaxSize().padding(padding)) {
+        HomeItems(ui, partner, actions, tick, listState, words, colorIndex)
+    }
+}
+
+@Composable
+private fun HomeItems(ui: HomeUi.Ready, partner: User, actions: HomeActions, tick: Int, listState: LazyListState, words: HeroWords, colorIndex: Map<String, Int>) {
+    val spacing = KvittTheme.spacing
     LazyColumn(
-        Modifier.fillMaxSize().padding(padding),
+        Modifier.fillMaxSize(),
         state = listState,
         contentPadding = PaddingValues(start = spacing.gutter, end = spacing.gutter, top = spacing.s1, bottom = spacing.fabClearance),
         verticalArrangement = Arrangement.spacedBy(spacing.sectionGap),
diff --git a/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModel.kt b/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModel.kt
index 1421c4f..589f809 100644
--- a/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModel.kt
+++ b/android/feature/home/src/main/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModel.kt
@@ -7,6 +7,7 @@ import kotlinx.coroutines.flow.MutableStateFlow
 import kotlinx.coroutines.flow.SharingStarted
 import kotlinx.coroutines.flow.StateFlow
 import kotlinx.coroutines.flow.combine
+import kotlinx.coroutines.flow.first
 import kotlinx.coroutines.flow.map
 import kotlinx.coroutines.flow.stateIn
 import kotlinx.coroutines.flow.update
@@ -18,6 +19,7 @@ import se.hagstedt.kvitt.model.DefaultCategoryKey
 import se.hagstedt.kvitt.model.ConnectivityRepository
 import se.hagstedt.kvitt.model.HomeRepository
 import se.hagstedt.kvitt.model.HomeState
+import se.hagstedt.kvitt.model.SyncRepository
 import se.hagstedt.kvitt.model.UpdateRepository
 import se.hagstedt.kvitt.model.UpdateState
 import javax.inject.Inject
@@ -33,6 +35,7 @@ sealed interface HomeUi {
      * @property update the update banner's state, [UpdateState.None] while hidden ("Senare" until the next cold start).
      * @property installDialog the "Tillåt installation" dialog is open (S-17).
      * @property illustration the three tiles of the empty state (groceries, travel, restaurants; design-spec S-4).
+     * @property refreshing a pull-to-refresh sync is running: the indicator stays until it ends (D-127).
      */
     data class Ready(
         val home: HomeState,
@@ -42,6 +45,7 @@ sealed interface HomeUi {
         val installDialog: Boolean,
         val loading: Boolean,
         val illustration: List<Category> = emptyList(),
+        val refreshing: Boolean = false,
     ) : HomeUi {
         /** No account at all: the empty state, no sync pill, no FAB (AC-8.6 needs an account). */
         val empty: Boolean get() = !loading && home.active.isEmpty() && home.archived.isEmpty()
@@ -64,16 +68,22 @@ sealed interface HomeUi {
     }
 }
 
-/** Session-scoped choices on Home: the archived section, a hidden update banner, the install dialog. */
-private data class HomeLocal(val archivedExpanded: Boolean = false, val updateHidden: Boolean = false, val installDialog: Boolean = false)
+/** Session-scoped choices on Home: the archived section, a hidden update banner, the install dialog, a running pull. */
+private data class HomeLocal(
+    val archivedExpanded: Boolean = false,
+    val updateHidden: Boolean = false,
+    val installDialog: Boolean = false,
+    val refreshing: Boolean = false,
+)
 
 /** State holder of Home (S-4) and its update banner and dialog (S-17). */
 @HiltViewModel
 class HomeViewModel @Inject constructor(
     home: HomeRepository,
-    connectivity: ConnectivityRepository,
+    private val connectivity: ConnectivityRepository,
     private val updates: UpdateRepository,
     categories: CategoryRepository,
+    private val sync: SyncRepository,
 ) : ViewModel() {
     private val local = MutableStateFlow(HomeLocal())
 
@@ -90,11 +100,28 @@ class HomeViewModel @Inject constructor(
             installDialog = l.installDialog && update is UpdateState.NeedsInstallPermission,
             loading = state.sync.lastSuccessAt == null,
             illustration = tiles,
+            refreshing = l.refreshing,
         )
     }.stateIn(viewModelScope, SharingStarted.Eagerly, HomeUi.Starting)
 
     fun toggleArchived() = local.update { it.copy(archivedExpanded = !it.archivedExpanded) }
 
+    /**
+     * Pull-to-refresh (D-127): a sync now, the same call as S-16's "Synka nu"; the indicator stays until it returns,
+     * success or failure. Offline there is nothing to sync and the pull ends at once (§9.9).
+     */
+    fun refresh() {
+        if (local.value.refreshing) return
+        local.update { it.copy(refreshing = true) }
+        viewModelScope.launch {
+            try {
+                if (connectivity.online.first()) sync.syncNow()
+            } finally {
+                local.update { it.copy(refreshing = false) }
+            }
+        }
+    }
+
     /** "Uppdatera": the first time the explanation dialog (AC-16.3), otherwise the download and install. */
     fun onUpdate() {
         val current = (ui.value as? HomeUi.Ready)?.update
diff --git a/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeScreenshotTest.kt b/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeScreenshotTest.kt
index 53f37b7..c1efa49 100644
--- a/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeScreenshotTest.kt
+++ b/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeScreenshotTest.kt
@@ -20,7 +20,7 @@ class ScreenState(val name: String, val largeFont: Boolean = false, val content:
 /** Home with [scenario] after [act] on its ViewModel. */
 fun homeState(scenario: FakeScenario, act: (HomeViewModel) -> Unit = {}): HomeUi = withMain {
     val fakes = FakeRepositories(scenario)
-    val vm = HomeViewModel(fakes.home, fakes.connectivity, fakes.update, fakes.categories)
+    val vm = HomeViewModel(fakes.home, fakes.connectivity, fakes.update, fakes.categories, fakes.sync)
     act(vm)
     vm.ui.value
 }
@@ -47,6 +47,7 @@ val homeStates: List<ScreenState> = listOf(
     home("S-4-home-offline", HomeScenarios.offline),
     home("S-4-home-only-archived", HomeScenarios.onlyArchived),
     home("S-4-home-long", HomeScenarios.long, largeFont = true),
+    refreshing("S-4-home-refreshing", HomeScenarios.pending),
     home("S-17-update-banner", HomeScenarios.updateAvailable),
     home("S-17-update-permission", HomeScenarios.updateNeedsPermission),
     home("S-17-update", HomeScenarios.updateNeedsPermission) { it.onUpdate() },
@@ -70,6 +71,12 @@ private fun home(name: String, scenario: FakeScenario, largeFont: Boolean = fals
     return ScreenState(name, largeFont) { HomeContent(ui, HomeActions()) }
 }
 
+/** Home while a pull-to-refresh sync runs (D-127): the indicator is held at its resting place. */
+private fun refreshing(name: String, scenario: FakeScenario): ScreenState {
+    val ui = (homeState(scenario) as HomeUi.Ready).copy(refreshing = true)
+    return ScreenState(name) { HomeContent(ui, HomeActions()) }
+}
+
 private fun sync(name: String, scenario: FakeScenario, largeFont: Boolean = false, act: (SyncStatusViewModel) -> Unit = {}): ScreenState {
     val ui = syncState(scenario, act)
     return ScreenState(name, largeFont) { SyncStatusContent(ui, SyncStatusActions()) }
@@ -98,6 +105,7 @@ class HomeScreenshotTest(private val state: String) {
         fun states(): List<Array<Any>> = listOf(
             "S-4-home", "S-4-home-owes-you", "S-4-home-settled", "S-4-home-pending", "S-4-home-rejected", "S-4-home-clock",
             "S-4-home-syncing", "S-4-home-empty", "S-4-home-loading", "S-4-home-offline", "S-4-home-only-archived", "S-4-home-long",
+            "S-4-home-refreshing",
             "S-17-update-banner", "S-17-update-permission", "S-17-update", "S-17-update-progress", "S-17-update-failed",
             "S-16-sync", "S-16-sync-empty", "S-16-sync-rejections", "S-16-sync-clock", "S-16-sync-running", "S-16-sync-error",
             "S-16-sync-offline", "S-16-sync-long", "S-16-sync-lost", "S-16-sync-lost-payment", "S-16-sync-lost-deleted",
diff --git a/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModelTest.kt b/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModelTest.kt
index 0a7ab88..32cb98a 100644
--- a/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModelTest.kt
+++ b/android/feature/home/src/test/kotlin/se/hagstedt/kvitt/feature/home/HomeViewModelTest.kt
@@ -14,6 +14,7 @@ import se.hagstedt.kvitt.model.SyncRejectionReason
 import se.hagstedt.kvitt.model.UpdateCheck
 import se.hagstedt.kvitt.model.UpdateRepository
 import se.hagstedt.kvitt.model.UpdateState
+import se.hagstedt.kvitt.design.testing.GatedSyncRepository
 import se.hagstedt.kvitt.design.testing.withMain
 
 /** Records `install()` calls; the update state is set by the test (no mocking library, CLAUDE.md). */
@@ -32,7 +33,7 @@ class HomeViewModelTest {
 
     private fun vm(scenario: FakeScenario, updates: UpdateRepository): HomeViewModel = withMain {
         val fakes = FakeRepositories(scenario)
-        HomeViewModel(fakes.home, fakes.connectivity, updates, fakes.categories)
+        HomeViewModel(fakes.home, fakes.connectivity, updates, fakes.categories, fakes.sync)
     }
 
     @Test
@@ -122,6 +123,43 @@ class HomeViewModelTest {
         assertEquals(2, updates.installs)
     }
 
+    /** Home over [scenario] whose sync waits for the test (pull-to-refresh, D-127); runs [block] with Main set. */
+    private fun withGatedSync(scenario: FakeScenario, block: (HomeViewModel, GatedSyncRepository) -> Unit) = withMain {
+        val fakes = FakeRepositories(scenario)
+        val sync = GatedSyncRepository(fakes.sync)
+        block(HomeViewModel(fakes.home, fakes.connectivity, fakes.update, fakes.categories, sync), sync)
+    }
+
+    @Test
+    fun pullToRefreshSyncsAndStaysUntilTheSyncEnds() = withGatedSync(HomeScenarios.pending) { vm, sync ->
+        assertEquals(2, (vm.ui.value as HomeUi.Ready).home.sync.pendingCount)
+        vm.refresh()
+        assertTrue((vm.ui.value as HomeUi.Ready).refreshing)
+        vm.refresh()
+        assertEquals(1, sync.calls)
+        sync.finish()
+        val ui = vm.ui.value as HomeUi.Ready
+        assertFalse(ui.refreshing)
+        assertEquals(0, ui.home.sync.pendingCount)
+    }
+
+    @Test
+    fun pullToRefreshEndsWhenTheSyncFails() = withGatedSync(HomeScenarios.clockSkew) { vm, sync ->
+        vm.refresh()
+        assertTrue((vm.ui.value as HomeUi.Ready).refreshing)
+        sync.finish()
+        val ui = vm.ui.value as HomeUi.Ready
+        assertFalse(ui.refreshing)
+        assertEquals(2, ui.home.sync.pendingCount)
+    }
+
+    @Test
+    fun pullToRefreshOfflineEndsAtOnceWithoutSyncing() = withGatedSync(HomeScenarios.offline) { vm, sync ->
+        vm.refresh()
+        assertFalse((vm.ui.value as HomeUi.Ready).refreshing)
+        assertEquals(0, sync.calls)
+    }
+
     @Test
     fun dialogDismissKeepsTheBanner() {
         val ui = ready(HomeScenarios.updateNeedsPermission) { it.onUpdate(); it.onInstallDialogDismiss() }
diff --git a/android/feature/home/src/test/screenshots/S-4-home-refreshing_en_light.png b/android/feature/home/src/test/screenshots/S-4-home-refreshing_en_light.png
new file mode 100644
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diff --git a/android/feature/home/src/test/screenshots/S-4-home-refreshing_sv_dark.png b/android/feature/home/src/test/screenshots/S-4-home-refreshing_sv_dark.png
new file mode 100644
index 0000000..20e46a4
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diff --git a/android/feature/home/src/test/screenshots/S-4-home-refreshing_sv_light.png b/android/feature/home/src/test/screenshots/S-4-home-refreshing_sv_light.png
new file mode 100644
index 0000000..ad873a3
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